the champions - enterprise...

1942 Utah

* 1944

Saskatchewan

The Champions

1946, BRITISH £0LUMBIA

1943

Alberta

* 1945

Albe1•ta

June, 1947 - B.C. CREDIT UNIONIST

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s.C. CREDIT UNIONIST - June, 1947

TH1'1PT

Official Organ of the B.C. CREDIT UNION LEAGUE Inc.

Editor: G EORGE GALLAGHER

Also date Edilon:

Managing Director: J. W. BURNS

Circulation: w. ELLIS JEAN AfCHIBALD BREEN MELVIN

j1M GAUNT Exchange Editor: Advertising

DAVB SMITH R . l... RAYCRAFT Phone MArine 1727 (Advertising Only)

Lrag"Ue Officers: Pwiden t .......................................................... A. GORDON BUTCHER

first Vice-President .................................... R. F. (Boe) WILLIAMS

Second Vict-Pmidwt ................................ G. W. (BILL) RA:MSELL

$tertiary ............................................................ F. G. (D1cK) LuCAS Trtas11rer .................................. .............................. W. D. McINTOSH

Supplies Man11ger ............................................................ A. W. COPP

Phone: PAcific 2744

the movement as those other rigid and microscopic inve~tories are to all business, large, medium and small. That the League Meetings have their social and enjoyable side is merely incidental, and has no bearing on the real purpose of such gatherings, which is, and always will be, a ruthless and detailed effort to :find out what we've got, how did we get it, what chances did we pass up or only partially grasp, what are the conditions facing us within the coming year, and how do we stand in relation to the competition

we will have to face? The statistical information so necessary for

compiling a true factual picture to be presented to the coni.ing B.C. Convention of credit unions can only come from one source, and that is the unions themselves. Most unions have sent in this vital information to the League, but there are others who have not done so, with the obvious result of hamstringing the League officers and League Manager in their really sincere efforts to present the fullest possible p;cture to the Annual Convention.

Unfair as this is to the League, it is really more unfair to the members of the unions whose officers have not seen fit to present the information to the proper quarters. In the last analysis the fault lies

League, Publication and Advertising Office 310 DOMINION BUtlLDING

©u~ Vancouver, B.C.

Authorized 11s second class mail, Post Office Departnirnt, Ottawa

with the supervisory committees of such unions, and it is hoped that the information, which is indispensable, will be forthcoming before Conventio_n

We,come On behalf of the League officers and League staff,

of all departments and affiliates, may we extend to the visiting delegates, and to their relatives and friends, a hearty and sincere welcome to Vancouver.

We know that many delegates will have their noses to the committee grindstone during convention, but in spite of all this, and maybe because of it, they will enjoy all the more the co-mingling with other enthusiasts from all parts of B.C.

May your efforts bring forth good fruit for the ever-growing credit union family.

Ta king Stock

opens. From our present store of facts we glean that

the assets of all B.C. unions are now round or over the three million dollars mark, which with an estimated membership of 30,000 shows the average

account as $100. Loans made are in the neighborhood of six mil-

lion dollars, which, considering the youth of the movement and the fact that many unions are just beginning is in some ways satisfactory. We have one union that has reached, or is very near to having loaned one million dollars to its members, another that has passed the half million mark, a few over the quarter million, and many over the $100,000

mark. While these figures may be impressive, what is

Every body of people engaged in business know that they must take stock of their holdings at regular intervals, and that these intervals must not be too w idespread. They realize that this is not something that can be postponed till they feel like doing it, for to follow such a lackadaisical, haphazard system is to invite certain ruin in this highly competitive day and age. If they are to stay in business, then they MUST take stock often and thoroughly .

The annual meetings or conventions of credit union leal?ues throughout the world are just such stock-taking, and are as necessary to the welfare of

of more in1portance is that the multitude of small unions scattered over this vast semi-continent which is B.C., are filling a need in the credit field which is reacting ro the welfare of their relatively few but

highly important members. If the assembled delegates grasp and take back

to their unions two most important facts then the Annual Convention of B.C. credit unions will have

justified itself. Th~se two facts are ( 1) that credit unions have en:ered a highly competitive field, and (2) that only those will survive who subject themselves to the most frequent, rigid and detailed cross examina-tion in the way of stock-taking.

Is This Your Trouble, Too?

Dear Fellow Member:

THIS is a personal letter from the people whom you elected to oper

ate your Credit Union for the year 1947. Each member has the right to be informed at regular intervals in respect to the business in which he or she is a shareholder. Briefly, this is such a report.

During this year your Credit Union has experienced unprecedented growth in membership, having acquired over 5 00 new members (quite a credit union in itself), and each one of us can take considerable pride in a record of achievement.

However, the rapidly expanding membership brings with it a number of problems. The most serious problem arises from the sudden increase in demand for loans. It is sensible Credit Union policy to lend out funds just as fast as they come in, with the reservation that sufficient money is set aside to meet withdrawals and other emergencies. When a sudden influx of new members occurs, however, particularly when the majority of those new members are young people starting out in life, the money begins to go out faster than it comes in. The only solutions to this problem are either to restrict the number of loans, or to acquire more money.

The most sensible answer,' of course, is to acquire more money, and this is accomplished by increased savings.

Saving mon ey in .your Credit Union is doubly attractive. The rate of interest paid is higher than in established banks, and in addition there is the free insur:ince. Knowing these things, and knowing also the real demand for money, it is difficult to understand why many members save their nickels and dimes in the Credit Union and save their dollars elsewhere. It is also difficult to understand why some members repay loans

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Announcement The B.C. CREDIT UNION LEAGUE

wishes to remind all interested of the following two new services:

THE C.U. & C. HEALTH SERVICES SOCIETY

Ilncorporated to serve the members of all Credit Unions and Co-operatives. A complete low cost medical and hospital plan operated on co-operative lines.

For further information see the Secretary or Treasurer of you r Credit Union or Co-operative.

THE VANCOUVER CITY SAVINGS CREDIT UNION

Chartered to serve the residents of Vancouver City not eligible for present established Credit Unions, and for the purpose of dual membership.

A safe place to save money and a convenient and confidential place to secure small foans.

Registered Offices: 3 10 Dominion Bldg.

207 West Hastings St., Vancouver, B.C. Phone: PA. 2744.

and then "never darken our doors again."

It is probable that none of these remarks apply to you, but please remember that your savings belong in your Credit Union, which in actual competition has proven to be one -of the finest in North America.

Best wishes, PRESIDENT.

Best Wishes!

CHIEF

A. E. CONDON FIRE DEPARTMENT

VANCOUVER, B. C.

Credit Union and Co-·op Health Plan

The C.U. & C. Health Services Society received B.C. Government Charter No. 3103 dated October 3, 1946. It was organized to promote the health and social welfare of its members and their dependents, and to provide medical surgical and/ or hospital services to tb~ membership.

This service is made available to all members of Credit Unions and Cooperatives, or employees of same, chartered in the Province of British Columbia.

The Society's officers are: J. R. Hunter, President. J. B. Gaunt, Vice-President. William West, Sec'y-Treasurer. A. G. Butcher, General Manager.

Vancouver City Savings Credit Union

General Meeting The first General Meeting of the

members was held in the Flack Bldg., 163 W. Hastings St., Vancouver, Thursday evening, April 17, 1947.

John Hunter, Evan Roberts, Gordon Butcher, R. S. Perry, T. W. Young, O. I. Whitney, Harcourt Green, N. McLean and Geo. Payton were elected Directors.

Officers for the ensuing year are: President, Evan Roberts. Vice-President, Gordon Butcher. Treasurer, W. D. Mcintosh. Sec. and Asst.-Treas., M. Makovichuk. Supervisory Committee: H. G. Pocock, C. P. Crad, H. J.

Routley. Credit Committee: J. W. Burns, L. Piett, G . W. Ramsell. The Credit Union C harter was issued

Octoher 11, 1946, and operations were started immediately. Residents of Vancouver who, at present, are not eligible to join another Credit Union, may join the Vancouver City Savings Credit Union. Also members of existing Credit Unions may join the new group for the purpose of dual membership at the League Office, 3 I 0 Doiriinion Building.

Welcome! to the

Annual Convention

BOB McMASTER

4


Cuna Supply Co-op Annual Membership Meeting, Friday, May 9th, 1947

By A.G. BUTCHER

THE Annual Meeting of the Cuna Suppy Co-op was called to order

3t 3: 3 O p._m., approximately thirty minutes late. However, due to able handling by President Karl Little of Utah, the meeting was completed shortly after 6 p.m.

There were no controversial issues raised at this meeting, apparently the question of the dissolution of the Coop, defeated last year, has not again risen. I was appointed to the Resolutions Committee, but, there being no resolutions, I had no committee work co do. This was somewhat of a change co our B.C. meetings.

The reports presented outlined a 11•ell-managed and properly administered organization, which acquired a surplus for the year of $17 ,201.'16 from supplies and $3,234.03 from the building account. Most of their problems are similar to those besetting the B.C. Supply department, namely, lack of space, scarcity of materials and equipment and increasing costs of those materials procurable. However, the position of Cuna Supply Co-op, all things considered, is good.

The budget adopted was predicated

upon a sale of supplies to the extent

of $145 ,000.00 which is reasonable in

view of the total sales for 1946 of

$144,187.78, an increase of approxi

mately 7 5 percent over 194 5. One new

item in the budget is the appropria

tion of $ 5 ,000 to develop Credit Union

advertising materials, particuarly peri

odical poster service on a subscription basis.

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Several amendments to the Articles of Incorporation and By-laws were en~ctcd. Most of these, in deference to Leagues outside of the United States, elirninatd th word "State." Two others, one applying to the Articles and the other to the By-laws were enacted to bring these items in line with the Wisconsin State Law, with respect to amendments. The final amendment was designed on instructions from last year's meeting to provide for a Director from the seventh vice-presidential district, Canada, with only two Directors elected n large.

= DAIRY PRODUCTS:

The election of Directors resulted in only one change on the Board. W. 0 . Knight, Jr., of South Dakota, replaces W. G. Graham of Kansas. The Canadian Director was again J. D'. N . McDonald of Nova Scotia.

Cuna Supply Co-op The officers eiected at the Directors

meeting followed the Annual meeting 11·erc as follows:

Karl S. Little, President, Utah. Marion Gregory, Vice-President,

Tllinois. M. A. P:ittinger, Secretary, Penn

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C.U. DIRECTORY EXPLANATORY NOTE: To save valuable space, the items are abbreviated, con

sistent with clarity, and should be read in the following order. Name; Ch~rter Nu~ber; Treasurer or Secretary; Common bond, with any necessary explanation of this or the name in following brackets.

Common bond abbr eviations are: "Com."-community; "Emp."-employees; "Fin ." - financial ; "Rel."-religious; "Org."-organizational; "Fra."- fraternal; "Ind."-industrial.

For obvious reasons the words "Credit Union" and "B.C." have been left out. These should be inserted, of course, in all postal communications to the unions listed here.

"Non." indicates non-member of League. (A)

A.C.S. of C. (New Westminster) No. 43, Amalgamated Civil Servants of Canada. E. A. Magee, 320 9th St, New Westminster. Org.

Aeronautical and Automotive Machinists No. 104. E. I. Wilson, 310 Dominion Bldg., Vancouver. Ind.

Alert Bay, No. 46. R. Shuker, Albert Bay. Com.

Amalgamate d Electrical No. 86. W. D. Mcintosh, 310 Dominion Bldg., Vancouver. Ind.

Armstrong & Spallumcheen No. 68. E. J . Hawes, c/ o Township of Spallumcheen, Armstrong. Com.

(B) B.C. Central , No. 120. H. H. Brown,

Room 310, 207 W. Hastings, Vancouver. F in.

B.C. Motor Transportation Emp. No, 6. M. H. Miller, 570 Dunsmuir St., Vancouver. Ind. Non.

B.C. Projectionists, No. 33. A. G. Pollock, 478 East 12th, Vancouver. Ind.

B.C.W. No. 26, Brighouse, Cambie & Woodwa rds. F. Trueman, 568 Railway Ave., Steveston. Ind.

Bella Coola Valley, No. 52. Helmer Pederson, Bella Coola. Com.

Buckerfields Emp. No. 74. W. G. Forste r, foot of Rogers St., Vancouver. Ind.

Bulkley Valley, No. 50. Ray Culton, Box 125, Bulk ley Valley. Com.

Burns Shamrock, No 57. L. S. Baxter, foot of Woodland Drive, Vancouver. Ind.

(C) Campbell River, No. 11 . Carrol S.

Spiers, Campbell River. Com. Canco, No. 45, American Can Co. D.

MacDugald Box 68, Vancouver. Ind. Cee Pee: No. 148, Canadian Pacific,

Victoria. H. G. Vaio, 210 Dundas St., Victoria. Ind.

C.E.R. & S. No. 153, Canadian Express, Railway and Steamship. W. Austin , c/ o C.P. Express Office, C.P.R. Depot, Vancouver. Ind.

C.G., No. 3, Common Good. R. V. Vallance, 562 15th Ave., New Westminster. Com.

C.E.F.U . No. 28, No. 119, Civic Employees Federal Union No. 28. H. Wilkinson, 166 East 53rd, Vancouver. Org.

Churchman's Club of St. John the Divine, No. 39. T. E. Ladner, 2724 Wil-1 ingdon Av.e., Burnaby. Rel.

C.N.R.E. No. 85, Canadian National Railway Employees. R. E. Arduini , 1805 7th Ave., New Westminster. Ind.

Courtenay, No. 23. A. Welles, Courtenay. Com.

C.S.F. No. 103, Civil Service Federation. Norman Lord, 543 Granville St., Vancouver. Org.

Cordage, No. 169. Miss C. R. Ca~pbell, 1103 Hamilton St., New Westminster. Ind.

Canadian Legion Br. No. 2, No. 164. E.

F. Burrows, 1024 6th Ave., New Westmin ister. Org.

(D) Dairyland Emp. No. 97, Fraser Valley

Dairies Ltd. J . R. Robinson, 405 W. 8th Ave., Vancouver. Ind. .

District of Coquitlam. Mrs. Thrift, Municipal Hall, 1111 Brunette St., New Westminster. Com.

( E) Edelweis, No. 109. M. Bach, 7874 Vic

toria Drive, Vancouver. Com. Elco, No. 73, B.C. Electric Office Em

ployees. K. W. Marshall , 425 Carrall St., Vancouver. Ind.

Equitable, No. 25. H. Sutherland, 1962 East 3rd Ave., Vancouver. Com.

Egmont and District, No. 149. I. E. Beamish, Egmont. Com.

( F) Fanny Bay No. 81. W. L. Phillips, c/ o

Co-operative Store, Fanny Bay. Com. Field, No. 83. Miss C. Hunter, Field.

Com. Fraternal Councils, No. 76. F. T . Ever

son, 3149 W. 7th Ave., Vancouver. Fra. Non.

Fruitvale Progressive, No. 89. J . Wood, Fruitvale. Com.

(G) G.B. Emp. No. 112, Gilley Bros. Em

ployees. W. H. Orr, 902 Columbia St., New Westminster. Ind.

Graphic Arts, No. 88. S. V. J~nki~s, Turner Building, 630 Fort St, Victoria . Ind.

Grindrod and District, No 140. F. Crandle mire, Grindrod. Com.

Grimmet District, No. 77. F. Everett, 115 E. 49th, Vancouver. Com.

(H) Heaps Emp., No. 136. U. G. Gilroy, c/ o

Heaps Engineering Works, Ewen Ave., New Westminster. Ind.

Hillcrest, No. 70. Miss H. M. Erickson, 2589 Franklin St., Vancouver. Com.

Hornby Island, No. 62. Mrs. H. Brown, Hornby Island. Com.

(I) loco and District, No: 54. C. W. Tait,

loco. Com. lovan, No. 132, Imperial Oil Office

Staff. S. Chatwin, 234 Smithe St., Vancouver. Ind.

l.W.A., No. 117, International Woodworkers of America, New Westminster. p , Harris, 533 Clarkson St., New Westminster. Ind.

(J) J.B.H. & Co., No. 147, Journeymen

Barners and Hairdressers. F. W. Gust, Room 304, 529 Beatty St., Vancouver. Ind.

(K) Ka ien Consumers Co-op, No. 139. Mrs.

M. Berg, 3rd Ave., Prince Rupert. Com. Kamloops Public Services, No. 80. V.

H. Mott, 521 Seymour St., Kamloops. Org.

6

TREASURERS AND OTHERS PLEASE NOTE

The New Phone Number of the Supplies Department is

FAirmont 7275

Kelowna, No. 4. H. M. Willett, Room 7, Casorso Block, P.O. Box 596, Kelowna. Com.

Keremeos, No. 128. G. Guido, Kere. meos. Com.

Kimberley, No. 134. W. Forrest, Kim. berley. Cob.

Kits\ila,no Consumers, No. 38. Mr$. Beaddie, 106, 2224 Albert St., Vancouver, Com.

Kyoquot Trollers, No. 133. Miss M. Hallet, 1140 Government St., Victoria. Ind.

(L) Ladysmith and District, No. 116. E.

Linder, -Ladysmith. Com. Lakehill , No. 78. J. D. Magee, 3150

Boundary S t., Victoria. Com. Lakeview, No. 101. G. M. Mortensen,

Box 570, Dawson Creek. Com. Lower Fraser Fishermen, No. 35. 0.

Bentley, P.O. Box 767, Vancouver. Ind. Ladner Fishermen, No. 150. J . W. Read,

Savoy Ave., Ladner. Ind. Langley Emp., No. 144. B. L. Tomlin,

Murrayville. Ind. (M)

Mount Lehman, No. 84. J . P. Carr, Mount Lehman. Com.

M.P.W., No. 145, Swift Canadian, New Westminster, Meat Packing Workers. O. C. Winslade, 315 Brunette, New West· minster. Ind.

Maple Ridge Communit, No. 170. Mrs. E. M. Hamilton, 129 5th Ave., Haney. Com.

M.S.A., No. 158, Master Shoemakers Assn. w. Campbell , 3425 Regent St., New Westminster. Org.

Mt. Pleasant Br. Savings, No. 159. L. Powers, 2214 Main St., Vancouver. Org.

Meridian Saving, No. 163. Mrs. R. Suf· folk, Coast Meridian Rd., Port Coquitlam. Com.

(N) Navyciv, No. 96. Miss M. Holyoai<e,

Treasury Building, Navy Dockyard, Esquimalt. Ind.

Nanaimo and District, No. 152. G. Wal· ford, 143 Bastion St., Nanaimo. Com.

Nelson Railway Emp., No. 129. G. C. Burns, 820 Third St., Nelson. Org.

Nepro, No. 99. Mrs. A. L. Nicholas. 260 Terminal Ave., Vancouver. Ind.

(Continued on Page 7)

Peter D. Corr, D.C. P11lmtr GraJ1111lt

CHIROPRACTOR X -Ray and N .C.M. Analysis

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~~~~~~~~~~~~~~~-

B.C. CREDIT UNIONIST - June, 1947

DIRECTORY (Continued from Page 6)

New Massett, No. 12. Mrs. Nora Burton New Massett. Com.

North Kamloops and District, No. 58. J. G. Donaldson, North Kamloops. Com.

North Shore Com., No. 53. T. C. Dearlove, 2028 Chesterfield Av.e., North Vancouver. Com.

Notre Dame De Lourdes, No. 154. V. Muller, 100 Nelson Road, Maillardville. Rel.

N.W.C.E., No. 105, New Westmins ter Civic Employees. E. L. V. Insley, 1209 Hamilton St., New Westminster. Ind.

N.W.T., No. 110, New Westminster Teachers. Van P. Copeland, 508 First st., New Westminster. Ind.

North Peace Saving, No. 167. H. G. Jarvis, Fort St. John. Com.

Needle Tr ades Saving, No. 171 . C. C. Carr, 307 W. Pender St., Vancouver. Ind.

( 0) Ocean Falls, No. 160, c/ o J , McDonald,

Box 149, Ocean Falls. Com. Oak Bay, No. 155. W. H. Brown, 2479

McNeil! Ave., Victoria. Com. Okanagan Falls and District, No. 75.

Mrs. !. B. Vader, Okanagan Falls. Com. 01 iver, No. 7. L. J . Ball, Box 203,

Oliver. Com. Otter District, No. 31. Mrs. M. Conder,

901 Berry Rd., Langley Prairie. Com. Osoyoos, No. 151. H. H. Hesketh,

Osoyoos. Com. ( P)

Penitentiary Emp., No. 82. J. H. Urch, P.O. Box M, New Westminster. Ind.

Perpetua l Help, No. 8. G. W. LaCroix, 740 View St., Victoria. Rel .

P.H.M.E., No. 79, Provincial Mental Hospital Employees. Len Fox, Essondale. Ind.

Port Alberni Res idents, No. 49. J. W. Ainsley, 11 5 3rd Ave. N., Port Alberni. Com.

Powell River, No. 1. Miss M. Sherbino, Box 634, Powell River. Ind.

Prem ier, No. 19. D. Newell, 1203 Yukon St., Victoria. Com.

Prince Rupert Fisherme n's, No. 14. A. Sinclai r, Box 264, Prince Rupert. Ind.

P. & S. Savings, No. 115, Plumbers and Steamfitters. W. D. Mcintosh, 310 Dominion Bldg., Vancouver. Ind.

Penticton and District, No. 166. T. Mills, Mac & Mac St ores, Penticton. Com.

Pender Harbour, No. 168. B. W. Sinclair, Irvine's Landing, Pender Harbour. Com.

Prince George and District, No. 162. Fred C. Saunde rs, Box 634, P rince George . Com. Non.

( Q ) Q.C.l. Central , No. 13, Queen Char

lotte Islands. Mrs. G. Leary, Port Clements. Com.

Quadra, No. 44. S. Bayer, Quathiaski Cove. Com.

( R) Ridgedale, No. 1 I. A. C. Kelleher,

Matsqui. Com. Roberts Creek, No. 66. Mrs. Leah Cot

ton, Wilson Creek P.O. Com. Rosary, Na. 21. F. Filgiano, 650 Rich

ards St., Va ncouver. Rel. Rossland, No. 65. B. W. Littley, Box

1174, Ross land. Com. Rutla nd, No. 125. F. Stockley, Rutland

P.o. Com.

(Continued) (S)

Saanich Ward I and 3, No. 27. C. P. Walker, 1880 Roby St., Victoria. Com.

Skidegate Inlet, No. 15. Mrs. S . de Buey, Queen Charlotte. Com.

S.H.C., No. 123, South Hill Churches. G. Foster, 5551 Chester St., Vancouver. Rel.

S.M.W.l .A., No. 130, Sheet Metal Workers Industrial Association. Mrs. M. M. Dougan, Room 308, 529 Beatty .st., Vancouver. Ind.

Squamish, No. 121. Mrs. C. R. Lamport, Squamish. Com.

Stanovan, No. 9. J. A. McMaster, 906 Marine Bldg., Vancouver. Ind. Non.

St. Andrews, No. 142. F. Ouston, 6328 Windsor St., Vancouver. Rel .

St. Helen's Parish, No. 29. Mrs. B. Durande, 4140 Pandora St., Vancouver. Rel.

St. Patrick's No. 61. A. S. Corra, 849 East 14th Ave., Vancouver. Rel.

Stry No. 17. B.C. Electric Street Railwaymen. J. C. Chausse, 175 E. Broadway, Vancouver. Ind.

Sullivan Concentrator Emp. No. 67. T . S. Wilson, Oughtred Hall , Chapman Camp. Ind.

Summerland & District No. 127. Mrs. Edna Booth, West Summerland. Com.

Salmon Arm Savings No. 157. D. L. Murchison, Strudwick Building, Salmon Arm. Com.

Surrey No. 172. H. H. Snyder, P.O. Box 8, Cloverdale. Org.

(T ) Thirty No. 40. C. H. Jorgeson, 2001

West 15th Ave., Vancouver. Ind. Trail No. 87. P. 0. Johnson, Bergenon

Block, 1460 Bay Ave., Trail. Ind. Terrace & Community No. 143. Miss

Emma C. Campbell, Terrace. Com. ( U)

Upholsterers & Furniture Workers No. 71. D. Harrison, 6919 Prince Edward

St., Vancouver. Ind. Union Bay No. 114. C. P. J. Ovans,

Un ion Bay. Com. United Savings Association No. 165.

J . Allman, U.D.L. 8900 Shaughnessy St., Vancouver. Ind. Non.

(V) Vancouver Converters No. 42. Pacific


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" WHAT cooks in the Credit Union Movement?" Mary asked me re

cently. I haven't seen much of Mary for some time.

Mary is the one who used to swoon over the attractive officers, the men who stood up and gave speeches at banquets, and put her heart aflutter. She deplored the fact that they were all married.

Having been out of circulation for some time herself now, any interest she t1kes in the movement is purely platonic.

I've tried to sell Mary on the idea of joining a Credit Union. I'm not a good salesman- she hasn't joined.

Benefits for Mar)i

Mary's husband took his re-establishment credits in a course. A small furnished room has been their home since t hey got married. They both hope the husband will get work out of town where living quarters are provided.

\\7hen the work comes up, they will have to leayc town right away, and furnish a place. With re-establishment credit gone, the business of getting furniture will be a headache. If Mary belonged to a Credit Union, it would be easy to negotiate a loan, and then be able to get better furniture for cash, The loan being insured, would be protected until it was paid.

If Mary had put a dollar a week into a credi t union, when I first talked about it, she would have two hundred dollars in shares now. Her two hundred dollars would be covered by life insurance, giving double securit y-two hundred


dollars would be ample guarantee for any loan she might want for furniture.

Contrary Mary! Her argument seemed good to her. She said "She couldn't afford it!"

I'm afraid the loan sharks will get Mary-'ef she don' watch out.'

Plan Number Ninety-eight Every time one opens the League office

door now, there is another plan under

discussion for the new building-that treasured dream of League directors, which is now to _become a reality.

Current now, is what is jokingly called "Plan Number Ninety-eight." I hope it clicks. Getting the League into new quarters is like making with a house. It is not the first cost, not the problem of getting ownership of a place, but getting it established, getting into it, and then getting settled.

I hope there will be a house-warming, or would you call it a League-warming?

Theatre Under the Stars

Our Theatre Under the Stars will be in full swing shortly. What a pleasure it is to tourists to enjoy operettas and musical comedies, under the trees, with boat whistles hooting elfishly in the distance!

For the moment when the moon peers over the tip of the pines behind the Bowl I would cheerfully pay quite a bit. The astronomical figures season memberships assume this year have me stumped. Profits have always been good from the Vancouver showings. Grant that the shows don't make money in the long run. It is the beating they take across the line each year that pulls up the cost.

8

Why jump our season tickets to make up for that loss?

It looks as if the tickets will have to be financed by t he Credit Unions if one plans on having a whole family attend.

Fashion Note Have skirts lengthened so much in

the past year? Have dresses shrunk? Notice how many people have been letting down their skirt hems, and try to figure it out.

The new stockings in pastel shades teased money out of my pocket recently. I fell for the apple-green. Clad in them I look like the understudy for the deceased wife in Blithe Spirit. They give an un-natural deathlike appearance to my legs.

Their life span will be lived out in my dresser drawer.

June Tunes This is the time of year when conven

tions are in the air - when students brood over books- when housewives pray for more canning sugar than they expect to receive.

This is the time when holiday plans

(Continued on Page 1 5)

CHILDREN'S WEAR

You can get almost anything for children from babies to six years at HILKER'S. Over $7,000 worth to choose from. One of the largest selections in town.

Shop at

HILKE R'S Baby Department

2425 Main St. FAir. 0200

l Open Saturday until 9 p.m.

-~-___..

HOLIDAY SPORTSWEAR ! ! Slacks for Slack Hours ! !

be prepared to enjoy your LEISURE! SLACKS are the answer. Sizes 14-20.

• SEPARATE SLACKS 3.95 to 9.25 SLACK SUITS

Eisenhower Style 10.95 to 12.95

Also 3-PCE. SLACK SUITS 17.95

Blue Bird HAT AND GOWN SHOP

E. R. McLENAGHEN FAir. 4819. 2517 Main St.


Information Please DIRECTORY (Continued) By THE EDITOR

Loan Delttge

THE letter sent out by a prominent B.C. credit union to its members

aod which is published in this issue, reflects a situation that gives rise to much thought the more one examines

ic. The main burden of the letter to the

members is that the union is experiencing a phenomenal demand for loans and that the union is wondering how it can best cope with this demand. Every union may not be affected to a disturbing extent by this phase, but this upsurge of loan application s is becoming more rampant as the days go by. _

Such things have a cause, and if the credit unions affected by what amounts to a major test are to come through strengthened and not weakened, then a cure must be found.

All loaning agencies, credit unions included are aware of the cause. Milions of couples the world over, married yet separated during the war, all want to start housekeeping; which means a house in each case and things to put in it. Other loaning agencies have been preparing for this expected development,

(Continued on Page 1 8)

I

(Continued from Page 7)

Mills Ltd M. G . MacKenzie, c/o Pacific Mills Ltd, foot Campbell Ave., Vancouver. Ind. Non.

Vancouver and District Danish No. 28. P. Jorgenson, 2496 West 7th Ave., Vancouv.er. Com.

Vancouver Fed. Emp. No. 2. H. G. Pocock, 14-423 Hamilton St., Vancouver. Org.

Vancouver Firefighters No. 37. H. C. Hunter, No. 3 Fire Hall, 12th Ave. and Quebec, Vancouver. Ind.

Vancouver Provincial Civil Servants No. 22. Mrs. Pool, Courthouse, Vancouver. Org.

Vancouver School Teachers No. 72. E. J . S impson, 3230 W. 31st Ave., Vancouv.er. Org.

Van-Pro No. 146. Vancouver Dai ly Prov., F. J . Copeland, Province Building, Vancouver. Ind.

Van-Tel No. 32. B. C. Telephone Co. Leo. T. Morris, Room 306-543 Granville, Ind.

Vernon and District No. 126. R. Stark, Box 13, Vernon. Ind.

Victoria Consumers No. 34. Miss E. M. Fallick, 1318 Government St., Victoria. Co-op.

Vic-Dom-Emp No. 141 , Victoria DoVictoria. Ind.

Victor.ia Provincial Govt. Emp. No. 141, minion Government Employees, F. G. Greenway, 963 Wilmer St., Victoria. Org. toria. o, F. Tyson, 611-1405 Douglas St.,

V.N.G. No. 100. Vancouver Newsp·aper

i I

shop at

stores in Vancouver,

Victoria, New Westminster

Chilliwack, Nanaimo,

Courtenay and Duncan

DAVID SPENCER LIMITED

Guild, G. F. Farmer, 500 Beatty St., Vancouver. Ind.

V.P. No. 135. Vancouver Police. C. W. MacKay, 236 E. Cordova St., Vancouver. Org.

V.S.B. No. 92. Vancouver School Board Employees, J . L. Enefer, 590 Hamilton St., Vancouver. Org.

V.R. No. 93. C.P.R. Telegraphs P . S. Duncan, 428 W Hastings St., Vancouver. Org.

Viv ian Emp. No. 102. J. A. Bellerby, 1660 Station St., Vancouver. Ind.

Vancouver City Savings No. 161. W. D. Mcintosh, 310 Dominion Bldg., Vancouver. Com.

(W)

West End Community No. 51. J. 0. R. Neroman, 1451 Comox St., Vancouver. Com.

Westminster Paper Emp. No. 30. L. L. Wilson, Westminster Paper Co., New Westminster. Ind.

West Vancouver No. 122. R. A. Thompson foot of 14th St. Hollyburn. Org.

Westminster No. 131. Miss E. Musa, 813 6th St., New Westminster. Com.

LEAGUE SERVICES

WHAT does the Credit Union

League do for the credit union movement? Some of the League services are: Organizes new credit unions. Assists operating credit unions with any

problems. Co-operates with the Credit Union Na

tional Association by financial support of its activities throughout the United States and Canada.

Protects your credit union against attacks which require co-ordinated effort.

Seeks beneficial legislation under the Provincial and Federal laws.

Provides supplies for use by your credit union at reasonable cost. (CUNA Supply and League Supply) .

Presents educational and informational help through "Bridge," the national magazine, The B.C. Credit Unionist'', and bulletins published by the League.

Furnishes advice on all matters pertaining to the conduct of your credit union business.

Assists credit unions who need funds by stimulating inter-lending.

Development of advertising forms and ideas for use by your credit union.

Our field represent ative visits credit unions throughout the Province to render assistance with any credit union problem. Your League is Organized for Ser

vice-Use your League by asking for our help.

-~~~-01~----

Support your advertisers -they support you.


League Highlights By JIM GAUNT

SUMMER has dropped in a trifle early this year. The weather during the

month of May should be pleasant, but we are not altogether accustomed to being parboiled in a sort of Junior Heat \Vave at this season of the year. League Directors gathered for their monthly conclave thought the weather a trifle stifling, and casting official dignity into the waste paper basket they conducted the meeting in shirt sleeves.

Incorporations and Affiliations A new Credit Union has now com

menced operation under the name of Surrey Community Credit Union. The usual good wishes go out to our friends in Surrey, along with the usual words of advice. Make sure that each individual officer, and each individual committee does the job to which it was elected right from the first day of operation of your Credit Union. With proper care and attention your Credit Union could become as others have, the backbone of the community. Without the proper care it can become an awful headache.

Maple Ridge Community Credit Union is the latest to join the fold and affiliate with the B.C. League.

Invitation from Washing ton The Washington State Credit Union

League is planning to hold its annual convention in Yakima, June 13 and 14. Our neighbors to the south are anxious to receive a delegation from British Columbia this year at their annual gathering. The intention of the Board of Directors is that someone should be sent to officially represent the League and to exchange any items of information which might be of value. The accomplishments of Credit Unionists in British Columbia have recently been catching the eye of people in the movement all over the continent, and such exchanges of delegations can prove to be of great benefit to all concerned.

HOW MUCH DOES AN INfE

RIOR SUPER VISOR Y COMMITTEE COST?

Wherever and whenever Credit Union literature is produced, the same old theme recurs with rather tiresome regularity. This theme is usually entitled, "Make sure your Supervisory Committee Supervises" or, "How to operate a Supervisory Commmittee." The urgency of faithful operation of this all impor-

tant committee is repeated and repeated until it is difficult to conceive of any Credit Union failing to realize that there must be something behind all these sombre warnings. In spite of the repeated admonitions however, Credit Union officers still turn up at the League office bearing volumes of Credit Union books which have become hopelessly entangled as a result of the failure of the Supervisory Committee to perform the audits which they undertook to perform by virtue of their election to that office. A recent case required nine days of work to completely reorganize and balance the Credit Union records. All of this work costs money, and the cost is borne by the Credit Union concerned. The Inspector has now ruled that such costs are to be charged as operating costs by such Credit Unions. It is quite feasible that an entire year's surplus can be eaten up by charges of this kind, and the point to remember is that if the Supervisory Committee had functioned practically all of the entanglements would have been adjusted quite simply at the time that they occurred. All Credit Union offi-cers should take note of this matter and see that the misfortune of other Credit Unions is not visited upon their own.

Business Departments Show Progress Reports indicate that the fiscal year

has been the greatest on record in regard to the progress shown by the Supplies Department and the Publication Department. Sales of Supplies are showing an increasing figure and it is pointed out that while printed supplies generally have shown marked increases in price during the past year, no increase in price has been made by the League Supplies Department.

The magazine continues to sell subscriptions at a rate previously undreamed of. About two hundred and fifty being turned in during April. Much of this progress is attributed to a number of Credit Unions who are placing a subscription in the hands of each new member.

Delegates Report of National Meeting League President Butcher, and Man

aging Director Burns, the two National Directors from British Columbia have returned from the annual gathering of the National Association. Several items of interest come out of their report.

The- Canadian Federation of Credit Unions proved to be an unwieldly type

10

of organization, and has therefore passed out of existence. In its place are two Canadian Districts, Manitoba and West and Ontario and East. A possible third section may be added in the event that Newfoundland joins the Dominion, this would probably include Newfoundland and the Maritimes. Each District will hold a caucus and will send a representative to a Canadian caucus to develop Canadian plans for presentation at the annual meeting of the National Association.

British Columbia Wins Challenge Trophy

It is no doubt old news to most of our readers that B.C. won the annual challenge trophy for the formation of Credit Unions during the past year. The delegates report that they were pleased to be presented with the trophy at the National meeting. The only thing that gave them any misgiving in accepting the presentation was the fact that whereas many of the States had made a concerted drive to form Credit Unions and had failed to pick up the award, B.C. had taken the honor in the course of normal growth. No unusual effort was made to start new Credit Unions during the year. National Director Burns reports an off-the-record remark that it might be a good idea to make two awards, one for Canada and one for the United States. Since the trophy was originated it remained in the United States for only one year, and since then has been held in turn by several Canadian Provinces.

The Last Roundup The next meeting of the Board is to

be held on June 23rd. This will be just two days before the commencement of the Annual Convention. What a meeting that will be!

The meeting for the month of May failed to reach the four-hour mark, the boys were sent home at 11 :40 p.m.

R. HOFFMEISTER ELECTRICAL ENGINEER

onrl CONTRACTOR

• COMMERCIAL MOTOR

AND LIGHTING INSTALLATION and REPAIRS

• 1271 Granville St. MAr. 7624 .

s.C. CREDIT' UNIONIST - June, 1947

VANCOUVER CHAPTER ANNUAL

ADOPTION of the new standardized by-laws for Chapters drawn up

by the League Educational Committee, and election of officers, was the main business before the Vancouver Chapter at rheir annual meeting, held June 6th, at 3009 West Broadway.

Mr. Nicholas, in the chair, reporting on rbe activities for the year expressed his pleasure at the interest shown the past few months, and hoped that prouress would be better in the coming " year. He proposed to donate a cup for competition in the Vancouver Bowling League, to be known as the President's cup. Thanking directors and members

RE AD .. . (.

Out of Your Pocket L (.

(.

By DAREL McCONKEY (.

(,

L

The Story of Cartel (.

Operations-$1.00 (,

(.

*Books and Literature on the Co-operative and Labor Move-men ts.

*Magazines and Periodicals. (,

T H E (.

PEOPLE'S CO-OPERATIVE (.

(.

BOOKSTORE (.

' (.

, 337 West Pender Street (.

(. , VANCOUVER, B.C. Phone MArine 5836

MEETING

of .committees he expressed particular appreciation to Mr. Roth Gordon for the use of his hall.

The Treasurer's report, with an encouraging financial balance (most of which was ear-marked for the convention) was put on record.

An ambitious scheme, brought forward by Ways and Means committee for increased dues, had to be shelved for the present until such time as delegates could discuss it with their credit umons.

The new constitution being adopted unanimously, election of officers under the by-laws was as follows:

President: Mr. A. D . Baillie. Vice President: Mr. Len Stride. Secretary: Mrs. R . Parks. Treasurer : Mr. Dick Lucas. Executive C01nmittee: Mr. McDonald,

Mr. Nicholas and Mrs. T. Anderson.

Delegates to the League Educational Committee: Mr. Johnson and Mr. ].

E. Hassell. Delegate to the League: Mrs. R. Parks. The program scheduled for the com

ing year tor the Chapter, calling for meetings held at various Credit Unions, stressing the social and educational meaning of the Chapter, brings promise of greater activity.

Compliments of

Westminster Iron Works Co. Ltd.

Machinists - Engineers - I ronworkers

66 TENTH STREET

Phone: N.W. 3066 New Westminster, B.C.

11

Con vcnlion Fund Donal io11 s Previously acknowledged .... $203.00 Kitsilano Con. Co-op.......... 5 .00 Rosary Credit Union .......... 5.00 Elco Credit Union .......... .... 10.00 Vancouver School Board .... 1 5. 0 0 St. Patrick's Credit Union.. 5.00

$243.00

Office: MAr. 0710 Res.: AL ma 15 84-M

John Nelson Hudson

CHIROPRACTOR

202 Lyric Theatre Bldg. 751 Granville St. - Vancouver, B.C.

---~~~~~~~~~~~~~~~~-~ Use

LEXOL LEATHER CONDITIONER

on Shoes and Baggage

Sold by Shoe & Hardware Dealers

N. D. McDiarmid BARRISTER - SOLICITOR

PATENT ATTORNEY (Regi stered in Canada • U.S.A.)

60 1 Rogers Bldg. PAc. 6721

-Everything in Metal-

McDonell Metal Manufacturing Co. Ltd.

engineers, Machinists, 1 ool and Die Makers - Iron Moulders

Steam and. Hot Water Convectors, Cabmets and Fronts

- Gas Unit Heaters -

FAir. 1257 75 W. Jrd Ave.

S. Bowell & Son Distinctive

Funeral Service

• 66 Sixth Street Phone N.W. 2656

New Westminster

Cloverdale Branch - Phone 193

• SUN CLOTHES

SWEATERS

• Wherever you find the Jantzen label-you have found the best design, in tailoring and fit. Look for the Red Diving Girl, your assurance of quality.

• JANTZEN KNITTING MILLS

OF CANADA LIMITED

v A ::::::~~:::-· • • c I J' ........ rh!'.•J'J'.W.-tl'a•••JY'r/Y'J'.Ya'YYrl't

Thos. F. Hurley BARRISTER and

SOLICITOR

•

510 West Hastings MAr. 7434 Vancouver

Colonie and Phsyiotherapy

Centre Up-To-Date Scientific Treatments

Colonic Irrigations, Electrical Treatments, Massage, Special medication beneficial in cases of rheum atoid, arthritis, rheumati.sm, neuritis, varicose velns, varicose ulcers. Sream illaths and Showers. Medical and Swedish Massage.

Visit Your Doctor Twice a Year!

STAFF OF GRADUATE NURSES Superfale11dent :

E. M. LEONARD, R.N. Post Graduate Mayo Bros.

MArine 3723 1119 Vancouver Block - Vancouver


National Association Meeting By A. G. BUTCHER and J. W. BURNS

May 11th and 12t h, 1947

T HE meeting was started close to time with 115 Natiorial Directors

present. The usual opening ceremonies took place followed by the Filene Ceremony.

The report of the President showed a much brighter picture than many of the previous war years, with the new member drive obtaining the objective and the new Credit Union drive past the half way mark. Credit Unions all over the United States showed an upward trend in money out on loans.

The budget recommended for the new year by the executive committee was approved. This budget called for $124,800, an increase of over $19,000 over last year's expenditures.

Dues were set at six cents per member of Credit Unions belonging to the Leagues with a maximum of $7,000 for any one league. The Special Dues Committee recommended that for the year 1949 dues be charged on a percentage of the gross income of Credit Unions. This was referred to the member leagues to study and report back next year, and the executive committee was instructed to prepare by-law changes for submissions to allow the change in dues assessment.

At this time considerable discussion took place on whether Cuna Mutual should be charged more of the operating costs of the National Association. We maintained that if this were to be done, then the Leagues who support Cuna Mutual should receive the benefit in a lessening of dues, rather than as a flat charge by the National, giving Leagues who do not support thte Cuna Mutual increased National services at a lesser cost to them.

It was recommended that a contest be held and prizes offered for the best name to replace that of "Bridge," the National's magazine.

Arising out of the report of the Auto Insurance Committee was a recommendation that the executive study ways to set up Cuna's own Casualty Company.

B.C. was presented with the Plaque for its organization achievement during the past year. A new Credit Union drive was approved for the year ending April 30, 1948. A recommendation to set up Vice-Presidential districts by geography rather than by number of

12

Credit Unions was approved. This was

for the purpose of facilitating district meetings.

A committee set up to study Central Credit Unions reported favorably on

them, but pointed out it was a long range program and hoped to have the

mechanics for their operations ·worked out in a few years.

The meeting approved the holding of the next meeting in Dallas, Texas, and

recommended this to tbe Executive.

Considerable discussion took place on

a recommendation to reduce the Na

tion al Board. The basis of representa

tion at present is one Director for each 15 ,000 C redit Union members or a frac

tion thereof, with a maximum of 5

from any one League. The first motion

to change the basis from one for each 15 ,000 to 20,000 was approved. We spoke in favor of this as the necessit) of cutting down die costly National

Meeting expense is obvious.

The second motion to make an Jd

dition to the representative one on 3

major fraction of 20,000, was defeated

and we also spoke in favor of this mo

tion even though it meant losing one of our two directors.

National Association Meeting During the meeting the Canadian

Delegation presented to rhe National Association a Canadian flag and our national anthem was sung by all delegates.

The election for President was con· tested by Gurden P. Farr and J. Eidam, both vice-presidents, with Gurden P. Farr elected succeeding Doc. West who declined nomination. Treasurer elected was W. P. Mallard for a second term. contested by Paul H . Mulins. Secretary elected was W. A. Dunkin, unopposed, for a second term. Executive members elected were: Mr. Eidam, H. Moses, L. R. Nixon, Arbie B. Dale, Mr. Parlett, M. Gregory, and for Canada A. C. Savage. C. G. Hyland was re-elected comptroller and the Executive Committee re· elected Thomas Doig as managing direc· tor. The meeting voted to make the


a.C. CREDIT UNIONIST - June, 1947

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13

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Co-op Digest By A. L. NICHOLAS

Canadian Co-ops Lost Valuable Leader. Ottawa (C.N.C.)

David E. Smeaton, for nine years manager of the Co-operative Wholesale, died recently at his home in Edmonton. Co-operators in Canada will join in extending to his family their heartfelt sympathy, and the Co-operative MQvement has lost one of its greatest workers.

Co-ops in the Press. " Co-ops did a smart thing for them

selves when they hired Jerry Voorhis," says Printers Ink, leading advertising journal. "With him on the job, t he National Tax Equality Association is due for some real trouble in its efforts to curb the growth of co-operatives."

Co-ops Grow Faster Than Trade Unions. London (C.N.S.)


BANK ·OF M10NTREAL Working with Canadians in Every Walk of Life

Since 1817.

47 BRANCHES IN BRITISH COLUMBIA

84 STORES TO SERVE YOU IN B.C.

Consolidated Grocers' Co-operative Ass'n of BRITISH COLUMBIA

MT~ PLEASANT UNDERTAKING CO. . LIMITED

Kindliness - Understand ing

Kingsway at 11th Avenue

Depe ndability

F Airmont 0058 - 0059

The Co - operative Movement has grown faster and now has more members than the Trade Unions in England, according to the recently published figures covering the years 1913 to 1945. Between 1926 and 1931, Co-op membership surpassed Trade Union membership. It rose from 4,000,000 after ~~~~~~~~~~~~~~~~~~~;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; World War I to 8,000,000 in the early ii 30's. In 1945 the two stood at 7,803,000 for Trade Unions as against 9,400,000 for Co-operatives.

Canadian Fishermen Elect Adams. Massett, B.C. (C.N.S.)

Oliver Adams, who has been working to promote co-operative development among Indians and Whites on the British Columbia coast, was chosen as t reasurer of the Native Brotherhood of B.C. at the organization's 17th Annual Meeting recently.

The Brotherhood is a Fishermen's Cooperative organized by Indian salmon fishers among whom Adams, son of a previous chief, is recognized as a leader. His election by the Brotherhood is expected to lead to closer co-operation between Indian and White fishermen.

C.W.S. Sets 1946 Record. (London) (C.N.S.)

Sales of the British Co-operative Wholesale Society were over £200,000,-000 ( $8 00,000,000) for the first time in 1946.

Volume increased 12 Ys percent over 1945.

Largest increases were in clothing, textile and hardware departments, which totalled about 30 percent.

CO-OPS ARE ON THE MARCH!

=

Mlelcome! While in Vancouver pick up a Box of

DEBRE'TT'S FAMOUS CHOCOLATES

at 850 ROBSON STREET (across from the Court House)

Economy Sausage Co.

SOLD AT

rry he sausage that made little pigs fanious"

ALL GOOD FOOD


Women's Point of View (Co11tinuecl from )

wd booklets occupy the fore, and bathing suits and sun-tan lotion come out in rhe open. Budgets strain to the breaking point under optimistic schedules. Salads are featured on the table. Here is a dressing that is easy to make, smooth and lush on green salads, and acceptable with fruit .

Sou,r Cream Salad Dressing

Mix ¥4 cup of sugar (this is optir.uscic and calls for a sweet tooth, personally I prefer less sugar-but this is what rhe recipe asks for) salt, two heaping tablespoons of flour, 1 Yi t ablespoons of mustard, mixed together real well. Add nvo eggs and stir thoroughly. Add this co one pint, or two cups of sour cream, chen add gradually two or three tablespoons of vinegar. Cook in double boiler until thick.

This is a well-behaved refined dressing. For my money, I add a dash of powdered garlic, go heavy on the vinegar, light on the sugar, blend the whole with a spot of celery salt. Thus I create a vaguely exotic mixture which bears little resemblance to the original recipe, except that it is smooth and· easy to take.

What reputation I have won, a poor thing at best, as a cook has been mainly based on the murder I commit on wellknown recipes. All you need to do is give me a good standard recipe, and I'll substitute anything in it .

H ere are some of the slightly mad variations which can be made to give some variety to life.

Do you like cinnamon rolls, but hate bothering with a yeast dough? Try making an ordinary biscuit dough, rnlling it thinner than usual, and spreading it with a mixture of cinnamon, brown sugar, butter (you lucky person- you ) and a few raisins, then roll it up like a jelly roll, cut in slices, pop it into a pan and bake.

Do you get stuck with stale cake, and company at the same time?

Try crumbling up your cake, mz.ke a thinner icing than usual, pour it over the crumbs, and mould into balls, leav ing it a while to set. I defy any guest to guess it is stale cake.

Try adding powdered garlic to soup - not _a lot, just a few grains, miserly shaken into the hot mixture just before serving~ A whiff of garlic brings out flavors without intruding its own insidious breath into hot dishes. Naturally if you shake it in like salt you'll know

it 1s there. You can always add more, but try to take it out! I t can't be done!

It's All in How ¥01~ Read It

A friend of mine, checking her grocery bill, found this icem: "One tomca t- 15 c." She telephoned the grocer andd asked what it meant.

"Oh don' t worry about that," he assured her. That's just my abbreviation for 'tomato catsup.'"

SWITZER'S MUSIC SHOP

R.C.A. Victor and StrombergCarlson Radio Dealers

Repairs Hohner Harmonicas & Aceordeons

1007 Granville Phone PA 6421

Support Your Advertisers!

Hearty Congratulations

to the British Columbia Credit Union League on the success which has attended its operations since June, 1939.

To have gained in that relatively short period a membership of 38,000 is a notable accomplishment; to have assisted them to save through their Unions the sum of $3,120,000 is an outstanding service to the people and to the Province.

A «friend in need," a stout buckler in times of sickness and distress, the Credit Union is an institution worthy of every support and encouragement. The principles which it inculcates of thrift and providence are of inestimable value at all times.

They are especially valuable in times like the present, with the uncertainty and unrest which invariably follows a major upheaval, and when the country is in process of the economic readjustment which must take place before stability and lasting

prosperity can be achieved.

We extend our Best Wishes for the success of the Eighth Annual Convention, and feel sure that it will be productive of many 'constructive suggestions and a free exchange of ideas which cannot

but be beneficial.

15

THE GOVERNMENT OF THE PROVINCE

OF BRITISH COLUMBIA


Ca.nadian Federation of Credit Unions

No.va Scotia, Morris, New Brunswick, ELl1 ott, Q uebec, Savage and Wats 0 · R · b on, ntano, euncr, Manito a, Mooney and MacKay, Saskatchewan, Munro, Alberta Burns and Butcher, B.C., together with G. Smith, Tom Malloy and A. Rernilard. Also guests at this luncheon w

By J. W. BURNS and A. G. BUTCHER P 'd m res1 ent West of the Credit Uni N

. l on at1011a Association and T. S. Benson THE 1~eetings of :he C~nadian Fed-

crac10n of Cred1c Umons and che caucus of Canadian National Directors were intermingled :ind were in three major sessions. The first was held at 9 a.m., May 9th, the second in the noon hour period of the same day, and the third, a luncheon meeting on May 10th.

A. C. Savage of Ontario acted as chairman and the first subject on the agenda was the seleccion of the Canadian vice-president. It was agreed, however, co defer this matter until the New Brunswick application for membership had been dealt with. J. F. Morris then outlined the position of the Brunswick Federation of Credit Unions :111d it was chen unanimously voted to approve and recommend the application by the Brunswick Federation be accepted by Cuna.

A committee of three, comprised of A. C. Savage, T . Malloy and J. D . N . MacDonald was then set up to meet with the joint board of Cuna and clarify the position of New Brunswick, particuarly with regard to Credit Unions not members of the Federation who were now insuring through Cuna Mutual. A tentative agreement was subsequently reached with said board, regarding the Brunswick application and a twelve month grace penod for nonmembers.

The meeting then took on the guise of the Canadian Credit Union Federation with J. D .N. MacDonald in the chair. On acceptance of the minutes of the b st meeting (May, 1946), a discussion arose on supplies, Cuna banks and book matches. It was reported that a preliminary survey of Canadian Leagues had been made by Gordon Smith and a final report would be made after visits to Nova Scotia and British Columbia. A committee of Burns, Hill and Smith were appointed to study the question of supplies. This committee did not report back to the meeting.

Considerable discussion then rook place regarding the future of the Canadian Federation and while it was agreed there was some duplication of effort with the Cuna vice-presidential district, it was appreciated that a Canadian entity was essential. The meeting then recessed until noon when J. D. N. MacDonald was selected as a Director on the

Cuna Supply Co-op Board. A committ ee of Elliott, Hill and Burns, was also

appointed to prepare resolutions with regard to the future of the Canadian body. It was agreed that they would report back to the luncheon meerin <> the following noon. - <>

of Cuna Mutual. It was voted to confirm the action

of A. C. Savage in purchasing a Can~dian !lag for presentation to Cuna and to defray the expense from the Federation surplu s.

At this time Savage reported chat executives committees of Cuna would meet in Toronto in August and also

The luncheon meeting was attended by all the Canadian National Directors Dennis, P .E.I., MacDonald and Hill: (Continued on Page 17)

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11'

a.C. CREDIT UNIONIST - June, 1947

Mutual Meetina Cuna Friday, May 9th, 1947

THE meeting of the Cuna Mutual

was as usual a rather dry affair. Conducted under insurance regulati~ns it leaves very little, if any, opportumty {or the delegates present to change anything. By-law and constitutional chan~es are voted on by ballot and new bus1-

At the Cuna Mutual Directors meeting the approval to the appointment of John A. Colby, formerly of the Cuna Field Force, to the position of assistant to the managing director was passed.

and we request his expenses be paid by Cuna. These meetings to be arranged by each section to

allow the Canadian Office manager to be in attendance.

It was agreed that the delegates to the sectional meetings be the National Director, National Director elect or their alternates; that the representatives to the joint meeting be the sectional chairmen or their alternates. It was also agreed that the representation from each section shall be one unless an agreement to add can be secured in advance.

Canadian Federation (Continued from page 16)

ess is in the nature of recommenda-

n f . tions to the executive for uture acuon.

Nominations for office must bear the signature of 100 policy holders in the tirne stipulated by the Insurance laws, unless the present office holders do the nominating. Terms of office are for a four year period, which assures very little turnover of officers. These regulations are made to safegu ard the stability of the organization.

advanced the suggestion that the Nat ional Board be invited to meet at Banff, Alberta. This was agreed upon.

The committee on the future of the Canadian Federation then presented three resolutions, all of which were

The election of the Canadian Vit:e,President then took place. J . W. Burns was nominated by A. Munro and I. Wat

. son nominated A. C. Savage. There passed.

That the funds of the Canadian Federation be returned to the Provincial Leagues on an equitable basis.

were no further nominations and a ballot resulted in the election of • A. C. Savage 7 to 6.

The report of the President showed rapid growth during the past year, and che fact that Canada is playing a leading role. In recognition of this, a director from Canada, Mr. T . Molloy, was nominated for t he vacancy created by Mr. G. Feller, a retiring executive

member. On its last year's business a straight

across the board premium rebate of 10 percent was paid to policy holders.

It was reported that the amount to be covered by Loan Protection would be raised from five to ten thousand and from ten to twenty years.

Under new business the extending of coverage of life savings from one to two thousand was raised and referred to the executive for study. The managing directors meeting also forwarded a recommendation that saving balances be insured immediately rather than at the end of the month.

The sending out of explanatory material to accompany By-law and Constitutional changes was approved. The quarterly reports of executive meetings will also be forwarded to Leagues for distribution to chapters.

Following the Convention your delegates visited the Cuna Mutual offices in Madison for informative reasons and will now be in a position to make some timely recommendations to the Cuna Mutual executive on what we consider inequalities between Life Savings and Loan Protection contracts.

The election of officers returned J. S. D'e-Ramus, managing director of the Illinois League, as president, W. W. Pratt, managing director of the Pennsylvania League as vice-president, · H. C. Lash, treasurer, G. D. Farr, secretary. Directors elected were E. L. Shanney, John L. Moore, Moses C. Davis, William Reid and H. Moses.

( 1)

( 2) That the Canadian Federation be disbanded.

Your Fortune Though I may never read your palm

Or scan vour tea cup's dregs, Or touch ;he shiny silver coin·

A gypsy always begs.

· \'<fithout these necromantic aids I'll cast your horoscope

And let you be interpreter For bitterness or hope.

For it is love that fosters loveAs hate engenders hate,

And each within his owl) heart weaves T he pattern of his fate.

And w hen they reach their common goal-

The fool, the saint, the knaveEach learns that he received from life

Exactly what he gave.

MARJI HOUSER, Powell Credit Union.

( 3) That our Canadian Vice-Presidential District be called the Canadian District of Credit Unions and be divided into an east and west section or not more than three sections in · all with conferences in each section to be held annually. The activities of these sections to be the standardizing of acts, accounting forms' and other Credit Union and Cooperative activities. The delegates elected by the sectional meetings should meet at least sixty days prior to the Credit Union National Meeting and the expense of these meetings to be the responsibility of each section. The Canadian vice - president should be the chairman of the Joint meeting of cast and west

~;::;;;;:;:.;~:=1 Banquet and Floor Show ~

HOTEL VANCOUVER § Friday,June27, 1947-6:30p.m~ i

TICKETS-$2.00 ~ Tickets to be obtained from your Secretary, League Office ~

or at Door. ~ ~ Number Limited Book Early Informal J'. ~ ....... ._ ............... ._._..__._. ............ ;.; ..-.•N'a._._._ ...... ._ ................. ,. --~~------~ • .,.~ .~,.,.~-· • • • • • m .,. • • .,.~ .,.

17

June, - 1947 - B.C. CREDIT UNIONIST

Sonvention Social Activities T E Convention Committee of the will b f .

A woman had hired a new maid b h d · · ' Ut a not mvest1gated her capabili't ' 1es to any extent. When she started to I Vancouver Chapter has been bus e g~~te ully received.

since the early months of th' y In additJon to the above, it has been d. PQ

a mner party she decided to mak

k. is year, suggested that the b · f ma mg preparations for the entertain - "" ' re c an in ormal ment of delegates to the An I C oe.-together luncheon at the Hotel Van-

. . e SCJrne enquiries.

. nua on- couver on Thursd J vent1on which is now very close upon d' h' . ay, une 26. Notices

"Can you serve company?" she asked. "Yes mum, both ways."

us. Here is what they have planned · rega~ tngH t is will be posted at Con-0 F 'd · vent1on eadquarters

n . n ay afternoon, June 27th, · "What do you mean, 'both ways'?"

"Well mum, so they'll come again there will be a visit to Dairyland, 40 5 M. NICHOLAS, \\7es~ 8th .Avenue, at 1 :45 p.m., where Chairman, Convention Committee so t hey'll stay away." ' or

movmg pictures of the dairy industry Vancouver Chapter wi · e s own, followed by refresh- r. 11 b h f==================================================~'~'T~h=e~S=h~o=w:b:o:o~k~.'~'~ ~en ts . . We beli~ve this to be a very rr_iteresung and informative demonstration, taking up about one and a half hours. Offers of transportation from Hotel . Vancouver to Dairyland will be appreciated. Limit of accommodation-45.

.on Friday evening, same date, there will be a Banquet and Floor Show at Hotel yancou ver, commencing at 6:30 p.m. Ttckets for sale to local members ha~e been sent to Vancouver Credit Unions. Additional tickets are available at the League office.

On Saturday afternoon the 28th t~~r~ will . be a sightseei~g tour fo; v1smn~ ladies, either by private transportation or chartered bus ( deiending on the number )' followed by a Garden Party and Tea at the home of Mrs R. P. Steeves, 60 15 Alma Road wh~ has kindly offered her grounds f~r t his purpose. Offers to assist in serving tea

INFORMATION PLEASE (Continued f rom Pcige 9)

but . ~ow far c.u.'s have realized it, and r ealizmg it have been able t f

. . o prepare or 1t, 1s rather a moot point.

As for the cure, the letter referred to suggests one way out, and if anyone has any other cures or palliatives then they would be doing a service to the movement at large if they would send them on to u s. We would be delighted to rela.y the?1 to other credit u nions who are bemg hit by this avalanche of loan demands. Plaques

Two plaques now grace the League office walls. One will go to some credit union office after Convention to be a to~en . of the most exemplary credit uruon m B.C.

The ot?er shows the Cuna winners. A reproduct10n of the CUNA Plaque is on our ~ro~t cover this month, but with a vana t1on from the plaque itself. The names of the winners given on the side as per cover are really hung in bars from rhe botton~ of the m ain body of tI:e plaque, m~k1ng. quite an imposing display of credit union champions.

Goodwill Message for B.C. Credit Unionist in their

1947 Anniversary and Convention Edition

QN the occasion of its 1947 .Anniversary, the Powell River Company Limited

congratulates the B.C. Credit Union on the sound operating policies which have featured its activities over the years.

The first Credit Union Branch in British Co~umbia was organized by Powell River residents, most of whom were company employ~es-and by its encouragement of the habits of thrift and saving, it has been a real asset to the community.

We wish the Credit Union continued cess in the years ahead.

sue-

Powell River Company Limited

Vancouver, B.C.,

May 22nd, 1947.

18


THE HOUSE A Vancouver Vignette By HECTOR

How he came to be shown to my office I never did find out , but

looking up from my desk I saw himhesitating, apologetic, his whole demeanor exuding humility. I rose, offered him a chair, and waited.

"I have a house . .. " he began. His voice was low though clear ; he spoke slowly, enunciating with difficulty, like a man not used to conversing; a man who had lived alone too long. Then and there I should have told him that he was in the wrong department, but, looking at the spare frame, the rather large head with the shaggy mane of white h:iir, the 'young-old' face so deeply lined, t he tremulous lips and the ti.red eyes with their world of appeal, I decided that io might relieve him to tell his troubles to someone.

"I have a house," he began again, "a good house; I built it myself a long time ago. Twenty-six years ago to be exact ... Do you mind if I go back that far and tell you about it . . . It was after the ·Great War. After four years of it I came home, got married, and was looking forward to a decent life; a home, a family; you understand, all the things that those four years of war had made me yearn for. We built the house, my wife and I. A lot of thought, a lot of work, aye, and a lot of love went into that house, for you see, it was to be our Home, our children's Home. Seven rooms, a stairway open to the living room, so tha t the children could call "Goodnight" when going reluctantly to bed. Yes, it was a good house, and life seemed pretty good right then. We had a great deal to be thankful for, and were looking forward to a life of happiness. Especially when we knew a baby was coming . . . our life was beginning to round out, everybody was happyeven the house itself seemed brighter. I like to think tha t a house is just a house, t ill children come; then it becomes a Home."

He hesitated and looked at me closely, seemingly weighing my reactions. Apparently reassured, he proceeded : "After it was all over I found myself a father, but . .. I had lost my wife."

His eyes mirrored the sorrow that must have engulfed him when the tragedy occurred so many years ago.

"A son-but how was I to raise him? So I let h im go to his mother's folks. 1 stayed on in the house .. . The years that followed were lonely ones, for me

-for the house. The rooms we had planned for the children stood emptythe staircase had never been caressed by tiny feet-the walls that had never resounded to the glad cries of children at play seemed downcast . .. I tell you I felt this, felt that house becoming more lonely day by day ....

When he was sixteen my son came to live with me. It brightened the house a little, but somehow it wasn't the same as having children around.

He was almost a man; tall and strong ; his every action and thought betraying his manhood . . . Of course he found a sweetheart . Brought her round occasionally in the evening. It was pleasant · to daydream-to hurry along the years to the time when he would marry ... I would give him the house and then, maybe there would be children. I would at last see the house which we had built become a Home. The patter of little feet would chase away the gloom that had grown about the house and me.

"Time passed and my dreams were about to come true, when things started to happen again in Europe ... It was no good me trying to stop him; not that I wanted to; but my heart though filled with pride was also heavy with dread.

"They were married before he went away, and his young wife came to live with me. It lightened my days a little but I'm afraid I got very lonely, and even the house seemed to become more dejected than ever, as if it, too, was getting, not only lonely but too old to care.

" Those horrible years passed, and when the end came I was cheered to think that now he would soon be home ... and like myself so many years ago he would. begin to live a decent life; there would he children, happiness, and at long last the house would indeed become Home.

'Then the telegram . . . . four days after the end of the war . . . " Again the old man looked at me quizzically, pathetically . . . .

"He wasn't coming home." And for the first time a distinct tremor was in his voice.

" He crashed the day peace was declared . .. '

For what seemed a long time the old man was silent and then : " My daughter in-law left me shortly after that; went back to her own folks. Since then I've been living in the house; alone."

Silence followed, for though I wanted

19

to say something I knew this was no occasion for platitudes. This old chap had suffered, had been lonely, and worst of all, would be lonely for ever. So I waited ... What he said then surprised me; and I could not at that time, nor have I since been able to decide whether he was thinking of the house or of himself.

"The reason I came to see you," he said, "is that I feel sure there must be somebody, some service man with a wife and small children . . . they must have children , young ones . . . who would want to live in the house. I would like to stay there for a little while, just to find out how the house feels with children in it ; then I would find a small place for myself."

His eyes glowed for a moment as he continued, "I bet that old house will be proud of itself . . . do it good to have children in there ... a house .. . ummph ... never did want a house ... always wanted a Home."

So that was it. He wanted to rent his house. I explained to him that this did not happen to be the right department, and led him down the hall to the young lady who took care of such things. As I left the room I glanced back. He was gazing across at the young lady with a mixed expression on his face, and I wondered if he found sufficient encouragement there to tell the story he had told me.

Then, as I closed the door, I heard these words:

"I have a house .. . . "

Thomas A. Dohm •

BARRISTER and SOLICITOR

678 Howe Street MAr. 7525

•

Bill Henderson Sam Montgomery

Vancouver

HAst. 4377 Stev. 63

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I ,

Association Meeting (Continued from page 13)

immediate past president a member of the executive without vote. They also confirmed the lifetime title of managing director emeritus on Mr. Bergengren.

The Cuna Retirement Savings Plan was extended to include those employees of from two to ten years instead of after ten years. It was reported that a number of Leagues are now participating in the plan. The trustees for the plan are representative of all groups, R. A. West, 'X:· W. Pratt, Karl S. Little, George Tmnes and Thomas Doig.

At the inauguration ceremony, the gavel, one of a tremendous size, was turned over to the new president, and a si.lver one presented to the retiring president. The assembled directors were loud in their praise of the splendid job done by Doc West, the retiring president, and wholeheartedly pledged their support to G. P. Farr, the incoming president.

Mr. Farr has a long record in the Credit Union movement, having been Treasurer of the. Detroit Postal Group for 23 years and President of the Michigan League at this time.

So concluded the twelfth Annual Meeting of the National Association.

Rcspectfuly submi tted by

A. G. BUTCHER,

]. W. BuRNs.

THRIVO POULTRY and DAIRY FEEDS

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INSURANCE and INVESTMENTS I

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The Beller Yo" Sec-The Beller Yo" W'orl<.1

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for your empty

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You will receive 25c per dozen for empty beer bottles when you deliver them to any of the following addresses listed below.

20

1445 Powell St. 1040 Hamilton St. 2700 Yew Street 755 Hom er Street 115 East Second Ave.

6 East Second Ave. 608 Main Street


Akording to Archie What Price Democracy?

D.ERE Boss:

IIEAR we arr in the munth of June. I repose that you wil be diverting

che currant issew enticrly to Konvulshion matturs, but strainge to relait my masterpeece for this munth decls with a diffident subjekt. My kolum wil deel with the triels and tributarys of buying a howse.

Trubbles of a Grate Finansewer. .. After several yercs of renting rooms,

sweets, and appartments, I finerly maid up my mined to bekum a landownur. Seeing a grate landownur brings with it a few problums. The furst problum is how to pay for the proppity. This is akkompliced by givving all yore life savings to a Reel Estait Ajent, and then sining a dokkument nown as a mortgage in witch yew promise to pay him any munny that yew may save for the resst of yore life. I wass sumwat intreeged by the dokkument nown as a mortgage so I tooke the libberty of chequing in the dicshunary to see wat it means. The dikshunerry says ... Mortgage ... from French ... a dead pledge. I was stil a littel confewsed on the matter of the wurd pledge, it seems to me that it shud be spelld "fledge," witch the dicksuoiry says meens " to fernish with £ethers." Now the wurd maiks sens Mortgage .. . a dead fledge ... Wunce you sine this yew are a dead pidjon, or duck.

Hears M11.d in Yore Eye . .. The furst time I went to sea my lot

I had a terruble shok. lnsted of akers and akers of good old terror firmer I cud sea nothing but a see of mud. Wile eggsamining the plaice where owcr livv.ing room is to be lokated I sank prakt1cally owt of site in the slimey stuff. The ajent was kwite chereful abowt the hole bisnei6, and as he joyfully skraped figments of mud and the od tadpole owt of my hare and ears he sed, "Isn't the veew wunderful." I cu'not sea the veew bekors my eyes were full of mud.

Blew Print Blews ... Tai.king home a set of blew prints is

an invittatshun to Sivvil War. It seems that no mattur whare the rooms ar lok~ted, thay ar bownd to be in the rong P~a1ce . Eech wun of yore rilations suddmly bekums an eggspurt in the sience of Arkitekture. Rooms ar mooved arownd until eeven the walls ar dizzi. ~he o~ly wun woo seams to bee angerrd Y this skeem is a kurius individjewel

nown as the Constrictor. Each tyme Yew taik bak the plans with anuther chainj, he blows anuther gasket. Con-

strictors ar sertinly kwaint fellows boss. I herd moar norty wurds from the constrictor constricting my howse, than I hav herd even on the golf corse.

Crest/ allen Manor ... No mattur how yew looke at it boss,

my hows is going to be sumwat uneek. If the mud sitewation prcvales, it wil end up b y bceing a hows-bote, and I wil paddel to the strete kar in my kanoo. If the mud is dryed up and things go akkording to skcdule it will end up as a hows, but I will nevur rememburr witch set of blew prints wcrr finerly used. In all probibillity I wil spend the furst threee yeres sleeping on the spot that shud hav bean the lorndry, and wil waik up eech morning foaling all washed owt. (·joak boss) .

Thats orl abowt my nu hows boss. Sea yew at the Convulshion.

Yore Ase ripporter.

(Archie).

One nice thing about a one-way street is that you know from what direction you are going to be knocked down.

-"The Showbook."

What is wrong with democracy? Absolutely nothing, according to Justice Douglas L. Edmonds of the California State Supreme Court.

Addressing the St. Louis Chamber of Commerce, Justice Edmonds observed that men who damn the Government in all its functions arc in reality condemning themselves for failure to assume a full measure of civic responsibility.

Convincingly, the eminent 1unst pointed to the voting record of last November's Congressional election, in which approximately 5 5 % of the electorate failed to go to the polls. In the 5 5 'fo , he declared, democracy's severest critics undoubtedly will be found.

Justice Edmonds drew a signifiicant analogy from the Book of Proverbs: "Drowsiness shall clothe a man with rags."

Public apathy is the "drowsiness" that

would clothe our democratic institutions

in rags. There is nothing wrong with

democracy that all of us who make up

that democracy can't remedy by should

ering our share of freedom's responsi

bilities.

Ill f COAL }

21

COM OX WELLINGTON McLEOD

• Complete Stocks Prompt Delivery


Managing Director's Column dollars could be made available in times of em ergency. What is equally as irn. portant is that we encourage our mern. hers to save more money and at the s3rnc rime ease up on the long term loans. If you have too much cash on hand, deposit it in the B.C. Central.

By JACK BURNS

THIS month's column will be devoted to Mortgage Loans. At the pres

ent time every indication points to a levelling in real estate values. While I feel sure we never again will sec real estate at pre-war levels, we can and should be ready for decreases far below t he present inflat~J market values.

Many of our member groups have gone in for mortgage loans, some fairly heavy. While I am not too worried about ~his type of security for loans, some consideration should be given to any future business of this kind. At our 1943 convention in Victoria the question of Real Estate Loans was up for discussion. At t hat time I introduced a motion to the effect t hat the con vention should recommend the percentage to be loaned on the market value of homes. This was voted down because the delegates considered t he league would be interfering with t he local autonomy of its members. This may have been the right thing to do, but not enough discussion for informative purposes h as ever taken place since.

In the granting of real estate lo:ins many groups are too prone to pay out funds before the mortgage is completed. Some, in fact, have paid out the entire amount before they knew w hether or not a clear tide can be obtained. Some of the mortgages were granted without sufficient investigation as to the property value.

In the future I would recomm~nd that all real estate loans be on the basis of assessment values and that the draw-

Central has raised the rates to discourage credit unions borrowing to make real estate loans. At the same time they have raised the amount they pay on deposits, to encourage the depositing of its member groups' surpluses.

Each credit union can do it> part by placing its surplus funds in the Cenrral, even if they are only able to do so for a period of weeks.

If you all did that, and included your guaran tee fund, many thousands of

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I I I I I I I I I I I I I I I I I I I I I I I I

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11111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 Ill

= = = Howard Scott -

Director-in-Chief --= ---ing up of the mortgages be by a lawyer. Another point worthy of mention is that, : the fire insurance should be at least sufficient to cover the loan and m ade pay-

TECHNOCRACY INC. will speak at

THE FORUM. HASTINGS PARK ¥

--------able to the Credit U nion. The cost of the drawing up of a mortgage, if done by our league lawyer, is not excessive, and the costs should be borne by the borrowing member.

At the same time we should all give serious thought to the advisability of setting a percentage on our capital to be loaned on long terms. The general picture all over the provin~e at t.he present time is that all credit unions are finding it hard ro meet the demand from its borrowing members.

Our central credit union has done its best to help out, but it too is finding i tscl f h:trd pressed for ready cash. In order to stabilize its present position the

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E s tablis h e d 191 2

KADI.A.TOR SPECIALISTS Radl4tora JtJade to Order Repair• Recore•

AUTO RADIATOR & LAMP CO. LTD. A. CLEMENTS, Mgr.

MArine 6945 • Agents for Harrison Radiator Cores • 1025 Seymour St.

WE SELL FOR LESS

Our huge Mall Order and :Ji'IVE big Department Stores throughout Western Canada enable us to buy at lowest market prices and pass the savings on to you.

ARMY & NAVY DEPT. STORES

Vancouver and Westminster

JOHNSON'S HAND-MADE " First Qua I ity"

Work Boots and Hikers Special Attention to Mail Orders

$8.50 to $11.45 Phone MArine 7612

A. W. JOHNSON LIMITED 63 WEST CORDOVA ST.

!Between Carrall and Abbott)

BARRETT Roofings btlwun lht worlJ uJ the wulb<r

sina 1114 !

ASPHALT SHINGLES INSULATED Brick Type SIDING

for every type of home

Allr•clivt Duigns ,,,J Colors

Frtt Eslim1/t1 Easy Terms

PENFOLD ROOFING co. I 604 Homer St. MArine 6620

• .................. r!Y'-•••••• ,,. ... v.v.-.·.-.•.•...-r1

Success to your

Convention!

BILL COUPER

724 Seymour St.

....

The Bear Cat garden tractor will do the work of a horse,

-plow, harrow, cultivate, etc. Works 4 to 6 hrs. on one gal. of gasoline. Come in and see it. We sell hand and power mowers. Milorganite organic fertilizer.

Call, Phone or Write

WILLARD EQUIPMENT

LIMITED

860 Beach Ave. MAr. 3231 Vancouver, B.C.

lr-J-G-~-~--~~----E-'S-L T_D_._.,

STATIONERS - PR I NT ER S

• Office Supplies Blank Books Fountain Pens Leather Goods Art Supplies

•

Letterheads Business Forms Programmes Wedding and Greeting Cards

566 Seymour St., Vancouver

Telephone PA. 0172

QUALITY BREAD I CAKES and COOKIES, FRESH DAILY

CANADIAN BAKERIES LIMITED


OFFICE FILING EQUIPMENT RUBBER

STAMP MAKERS MIMEOGRAPH MACHINES

and SUPPLIES

CLARKE & STUART CO. LTD. STATIONERS . . . PRINTERS . . . BOOKBINDERS

550 Seymour Street, Vancouver, B.C. PAcific 7311

Tune In The Weekly Labor Newscast

''GREEN- GOLD'' STATION CJOR -- 600 Kilocycles

Every Wednesday, 6:30 p.m. Sponsored by the

International Woodworkers of America (CIO) In Co-operation with Army & Navy Dept.

·store Ltd.

............................ F ................... . i BUY YOUR FIREWOOD 1• Compliments of .. . : Direct from the Mill

i All. Fir i -i - .

MillRunWood : F" $7mSO"th" I Economy

FOR !:CORDS 1 l·Stores Limited

Co. Ltd. Foot of Manitoba

............. 9~······••++•++ ......................... ...

Win family applause by serving

DELNOR FRESH frozen FRUITS and VEGETABLES often!

the champions - enterprise...

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