VOL. II, No. 3 FEBRUARY, Vancouver's First City Fathers Courtesy D.C. Publiclty :Cuteau OFFICIAL PUBLICATION AF F I L I ATE D W I T H C. U N. A.

Transcription

1 B.C.! VOL., No. 3 * FEBRUARY, 1943 Vancouver's Frst Cty Fathers Courtesy D.C. Publclty :Cuteau OFFCAL PUBLCATON OF THE 13.C. CV~UT U~()~ L~A.f3U~ AF F L ATE D W T H C. U N. A.

2 Eye Effcency and the War Effort Have Your Eyes Examned! Today's n eeds requre m en and women wth perfect vson. neffcency n eye-sght should not be tolerated wh ether t be n fact ory, offce or home. THE BETTE R YOU SEE, THE BETTER YOU WORK D. J. SNELL 34 East ~astngs Vancouver, B.C. "The.~f t 011/y YOU can gve' Phone P Acfc 9722 Today - for )011r appontment - P H 0 T 0 G R A P H S - by - BRDGMAN'S 413 Granvlle Street Vancouver, B. C. Beauty Blended Wth Dgnty nteror of Recepton Hall "Beauty wth Dgnty, Prvacy and Convenence" s the phrase that best descrbes ths lovely Funer al Home. Barron Bros. Ltd. FUNERAL DRECTORS C. E. ATCHSON, MGR. 55 EAST 10th A VENUE - - Also at WEST 6th STREET, North Vancouver 18th and MARNE DRVE, West Vancouver B.C. CREDT UNONST, February, 1943 FAr North 134 West 134 REGENT TALORS For Good UNON MADE CLOTHES POPULAR PRCES R eady-made or Talored-to-Mea sure A large stock of B lue Serge on hand at all tmes. 324 West Hastngs St. P Acfc 8456 "Nothng Matters Now But VCTORY!" DO YOUR BT! Buy More War Savngs Certflcates and Stamps Ths message publsh ed by a Credt Unonst. WE SELL FOR LESS Our huge Mal Order a nd FVE bg Department Stores throughout Western Canada enable us to b uy at lowest market prces and pass the savngs on to you. ARMY & NAVY DEPT. STORES Vancouver and Westmnster t _.._,, _ + j 1 HERBS j T h r N a for al Way to Heal th j Regan vm and vgor wth Bshop's ' Lqud H erbs and L qud P urfed ". Sulphur. BSHOP! ; 1 D. ~ 1 H crb11/st Expert!! 1498 W. P ender Vancouver , B.C. CREDT UNONST, February, 1943 Tandem THE oldest credt unons n our provnce are not yet four years old; n ot tll July of ths year w ll any of them reach that rpe old age. n that short span of tme much work has been done, mstakes have been made, and experence ganed. Out of that experence there emerges one fact that overshadows all others. T hat s, that the enthusasm for the credt unon dea s so far ahead of the knowledge of how to run a credt unon on sound lnes that (n far too many cases).the two are not wthn halng dstance of each other. nstances of ths are all ar ound us, and need not be dwelt upon. n our humble opnon, that should not be. What shou ld obtan s that the two, enthusasm and workng knowledge, should be a tandem team, marchng along together n perfect harmony strde for strde. The remedy s, of course, not to curb enthusasm, but to enthuse, ntensfy and broaden workng knowledge, and brng t nto lne wth ts tandem partner. t may be argued that the short lfe of most unons does not make ths possble; that enthusasm s somethng that can be, and s acqured overnght, but that workng knowledge s somethng that has to be fought for nch by nch through hard study and ploddn g work, mostly of the tral and error method. A ll of whch s qute true, but at the same tme shows more than ever the dre need of acqurng thorough workng knowledge of our credt unon machne. We must be more than enthusasts, we must m ake ourselves mghty good mechancs, for cnly by so dong can we make the most of the glorous opportunty of helpng to buld that better world of whch we hear so much these days. Many pedple are talkng of such a world, but we, as credt unonsts, must be workng at t. A nd we can only do that by knowng our machne part by part, and the capacty of each part. For ths s the only way of arrvng at a full apprecaton of the tremendous possbltes of our credt unon machne. The :fnancal system of the past and present bore wthn tself the seeds of war, want, depressons and msery for many, and Tme has hatched them progressvely for us. n drect cont rast, the credt unon dea of fnance holds wthn tself the seeds of cooperaton, self-help and helo for our neghbor, and as such s worth workng for. And we h ave no tme to lose C. Cl2~[)1T U~l()~l T Offcal Organ of the B.C. CREDT UNON LEAGUE PrcsdL'llt... A. L. Nchu/,,, l'rst Vcc-Presdwl... JZ. l'. Wlla'fllS Second Vcc-Presdcut... J. W. Burm Treasurer... W. F. Edmonds Secretary... H. G. Pocock. Snpples Manager... W. W. Lockyer Educato11al Drectors... A. /. \Vrck., E. Ledrrrv D1RCCTORS: For Thrrc-Y cr T erm : R. F. \Yl //a1111, F. G. Cook., F. B. Dck.rtson, J. W. Bu rns, F. G. Lncas, H. E. Grffths. For T wo -Year Term: M rs. J. B. Savage, R. Bell, E. LeD rerv, C. H anek., Mrs. M. f. Parkns. For 011e-Yrar Term: M rs. E. Maero, R. H. Humphrey, R. Mlner, Mu Mary O 'Dought rly, Mss E. \'(1/so11, A. L. Ncholas. CONTROL B OARD OP T l'e "B.C. CREDT UNONST": Busness Manager... C. B. \V bte Suretary-Trcasurrr... W. F. EdmollC{s S11bscrpton Manage1... J. \V. Du.ms Assstant S 11bsc rpto11 Ma11 age1... Mss M. O ' Do1tgherly Edtor... G. Gallagher Adt'e1 tsllg Ma1wge... R. L. Ra)1c raft J.cag 11r, Et!tor11/ a11d Advertsng Offce: ROOM 20, 5 5 GRANVLLE STREET Pho ne, M A R NE 1727 VANCOUVER, 13.C. ~ FEBRUARY, 1943 VOL.. No. 3 CONTBNT Edtorals The Graveyard Shft Gettng Around the Unons "Educatonal Forum Lower Fraser Fshermen's Credt Unon Thrd Annual Meetng Letter Bag Vctel C redt Unon Perpetual Help Credt U non A R ural Credt Un on Fne Report From C.G. - Jottngs From the Vctora Chapter Upholsterers' and Furnture Workers' Credt U non Feld's Good Showng Further News of Massett N ews Grmmett Goes To Town Roberts C reek Progress Presdent's Message Correspondence Page

3 .. r,. r s OME m aker of bon m ots h as sad, "One half of the world knows nothng of the way the other half lve." \o/hoever t was that sad that, should lve -here n Vancouver today and go abroad among the cty streets just before mdnght durng t he nghtly tangle of vast mobs of war workers as the afternoon shft :fghts ther way homeward, whle the graveyard gang grd up ther lons and prepare to carry the burden of tol untl mornng. There have always been certan workers who by necessty have been compelled to labor whle more lucky folks pounded ther ear n drowsy comfort. These were but a handful of the populaton of a cty the sze of Vancouver, but today thousands have been forced to turn nght nto day and have almost forgotten what sunshne looks lke. Ralroad men know what nght work means, swtchng goes on n the yards, trans rush as swftly through the nght as durng the day, shps plow the seas full speed ahead, borng nto Stygan darkness wth never a quver of apprehenson over thoughts of t he terrble hazards clutchng at them from every sde - reefs, tde rps, half-submerged logs, enemes on every sde. Shps do not smle at t hese t hngs, net her do skppers nor quartermasters; no, they don't smle nor do they grumble. That's nght work. r.. c GRj.\ VEY ).\RD By ALBERT FooTE lved n a ralroad town when was a boy. There were but few telephones n use n those days, and tran crews had to be called to work by a call boy who plowed through deep snow drfts n the wnter and took a dabolcal delght n roustng a poor brakeman out of hs warm bed, sendng hm shverng down to the yards and out nto the nght perched precarously on the deck of a swayng box car. The call boy delghted n all ths, the brakeman dd not, but he grnned a sckly grn and dd hs stuff. t was all n the game. The lfe of a street car m an n these hectc tmes s not a bed of roses, crowds jam hs vehcle and all but press the very breath out of hm as they crowd and crowd untl not another soul could be squeezed nto the car wthout the use of a shoehorn. For the motorman nght drvng s a nghtmare, for the traffc dangers are ncreased tenfold.. The conductor s n a worse spot, for t s he who has to stand all the abuse. These men take ther socks on the chn for the smple reason that they are men. t's not funny for cty fremen to hurtle through the nght -a cuttng nght ar eatng down nto the very marrow of ther hones, but they do t; and a mghty lucky thng for comfortable p roperty - owners snorng away n ther beds that these heroes stand watch and guard for them all through the long dreary nghts. These, too, take ther medcne lke men, standng up. Polcemen, those w ho walk a beat, " harness bulls" they are often called, - well, they too know the drag of dreary nght hours, forcng ther weary twohun,dred-pound frames over lonely, dark streets, peerng nro lanes, tryng door locks - a prosac, unnterestng busness, you mght say, but they never know just when a spurt of orange-colored flame wll flash from the gun of some dope-flled crook and hot lead wll sear ts way nto ther vtals. These too take t all as a B.C. CREDT UNONST, February, 1943 ' matter of course, all n a nght's work. Muscans, often workng for dances, sawng or tootng away h alf the nght, the bass :fddler wobblng hs way homeward just before dawn packng hs doghouse on hs back, he also serves; for man cannot l ve by bread alone, and young folks requre a bt of dverson of ths nature. When the dance s over the rest of the m uscans are :fnshed wth hard labor for the nght, but the poor, unfortunate bass fddler s compelled to shoulder hs nstrument and do a lot of dray horse work before he can crawl nto bed. Those of you w ho are able to enjoy your beds at nght should take a nght off and wander about among the war ndustres whch carry on twenty-four hours of the day. Perhaps t would astonsh you to see young, slack-clad gals who look lke move queens, workng n saw-mlls, handlng heavy lumber. These too arc dong ther duty. We are proud of them. GETTNG AROUND THE UNONS THE man that gets around most among our B.C. Credt Unons s that amable gentleman, Assstant nspector Tom Swtzer. H e examned the books of 14 unons durng January, and has to do t he rest of them before March 31. How he s gong to do t he doesn't qute know, but f he does not get around to all of them t won't be for lack of tryng. He s hghly pleased wth the enthusasm and adaptablty of some unons that he has contacted, notably Grmmett and t he Upholsterers. T hs latter 4 unon s composed of practcally all young folks bet ween the ages of 20 and 30. They send n reports to THE B.C. CREDT UNON ST of all ther actvtes, whch pleases both Mr. Swtzer and the edtor. Other credt unons, however, have shown a defnte lack of knowledge of many elementary facts concernng credt unon procedure, and Mr. Swtzer's advce to them s that they get a copy of the B.C. Credt Unons Act and dgest t t horoughly; not just skm through t and lay t asde. B.C. CREDT UNONST, February, 1943 Educatonal Forum HE subject for dscusson ths month T s "The Cuna Mutual nsurance Socety." We suggest 1:he followng procedure for your group: Gve one of the questons to each of seven members of your group and ask them to dscuss t for three mnutes and then nvte all present to partcpate n open dscusson for fve mnutes on each queston. Have someone to make notes of the :fndngs and co-ordnate the fndngs, and compare wth the answers submtted n ths artcle. Wrte to the League Educatonal Commttee for any addtonal nformaton you may requre. ::- ::- Cuna Mutual nsurance Socety. Queston No. 1-What s the CUNA Mutual nsurance Socety? Queston No. 2 - Arc these servces avalable to everybody? Queston No. 3-What prncpal servces does the Socety offer to credt unons? Queston No. 4-What are some of the specfc advantages n havng loan protecton coverage? Queston No. 5- What are some of the specfc advantages n havng lfe savngs coverage? Queston No. 6 - How much addtonal coverage and protecton s afforded the credt unon by vrtue of the fact that there are no war clauses n t he contracts of the CUNA Mutual. nsurance Socety? Queston No. 7-What are the total assets and surplus of the CUNA Mutual nsurance Socety; how much s captal; how much surplus; how much reserves? ANSWERS BY ToM D01c Answer No.. The CUNA Mutual nsurance Socety s an old-lne Legal Reserve lfe nsurance company organzed under the mutual nsurance laws of the State of Wsconsn by the Credt Unon Natonal Assocaton, nc. t s owned, controlled and operated by ts polcyholders for ther own beneft. r Answer No. 2. The servces offered by the CUNA Mutual nsrance Socety are avalable only to those credt unons and credt unon members afflated wth the Credt Unon Natonal Assocaton, nc. Answer No. 3. Although orgnally organzed to wrte loan protecton nsurance, whch nsures the lfe of a borrower from a credt unon n the amount of hs loan balance, and although ths s stll the great bulk of the busness on the hooks of the company, t also offers to afflated credt unons and ther members: Lfe savngs nsurance; Ordnary lfe nsurance'' ; Term lfe nsurance'' ; ( '' These two tems are temporarly held up untl the annual meetng of the Natonal Assocaton n May of 1943). Answer No. 4. Loan protecton nsurance may be wrtten wth a dsablty clause or wthout ths clause. f wrtten wthout the dsablty clause the cost s 6 cents per month for each hundred dollars the credt unon has outstandng n loans and guarantees payment of the unpad balance of any loan upon death of the borrower. f wrtten wth the dsablty clause the cost s 7 Y cents per month on each hundred dollars the credt unon has outstandng n loans and guarantees payment of the unpad balance of any loan ether upon the death or total and permanent dsablty of the borrower. The specfc advantages ganed through carryng ths nsurance are: (a) Greater securty of loan balances. ( b) Elmnaton of necessty of collectng from the estate of the deceased or from hs wdow. ( c) Smplfyng for ts borrowers the process of obtanng co-sgners nasmuch as the co-sgners are assured the loan wll be pad by the CUNA Muutal nsurance Socety n case of death or dsablty of the borrower, thus makng more loans possble. ( d) Assurng the borrower that n case of death or total and permanent dsablty hs loan wll be pad n full by the CUNA Mutual nsurance Socet y. (e) An opportunty for greater lberalty on the part of the credt commttee because of ths added securty. Answer No. 5. Lfe sav ngs nsurance (sometmes referred to as share nsurance) guarantees payment to the credt unon (for the beneft of the deceased) upon death of one of ts members of a sum equal to the accumulated savngs of the deceased, thus encouragng thrft by gvng to the member one dollar of lfe nsurance for each dollar he saves, except that ths sum shall never exceed one thousand dollars, and wth t he further excepton that E>tabllsted 1910 FURNTURE HOME FURNSHNGS LADES' READY-TO-WEAR SEYMOUR ST. VTMA~ Vancouver's Leadng BUSNESS COLLEGE ndvdual Attenton ENROLL NOW! DAY AND NGHT CLASSES Tnlens11e Refresher Coursrs R. J. G. Rchards, Presdent Lllan E. Major, P rncpal Granvlle at Broadway Vancouver, B.C. Phone BAy , P ~,,; FLORAL DESGN,; ; Specalsts ;.JC,, ~ Broadway. ~ ~ Florsts ;,, ' Frank G. Robnson, Prop. ' ', ; Phone F Armont 0316 ; ; - Day or Nght - :,' 691 WEST BROADWAY, ~ ~ ~ - Nl-M 1-11-t-U Hj-ll'll-lll-1t11-k+. j M ary F ranees! j f WAXLESS CREAMS 1 Correct Blockheads ond Enlarged Pores l j FREE DEMONSTRATON FACAL! Wrte for Prce Lst f! f 751 G1 anvlle MAr j

4 f the accumulatons were deposted n the credt unon after member reached the age of ffty-fve years, the benefts are restrcted as follows: 7 5 percent of the amount deposted between the ages of 5 5 and 5 9 nclusve; 5 0 percent of the amount deposted between the ages of 60 and 64 nclusve; 2 5 percent of the amount deposted between the ages of 6 5 and 69 nclusve; No coverage shall be afforded on savngs deposted after the member reaches the age of 70. Answer No. 6. There are several more or less standard war clauses whch are n general use by nsurance companes. One clause restrcts the company's lablty to the 'mount of premums pad n the event that death of the nsured s caused by an act of war whle the nsured s servng n the armed forces of hs country. Another war clause lmts the company's lablty to the amount of legal reserve whch has been set up aganst the polcy. Companes whch wrte term nsurance, n whch class loan protecton. and lfe savngs nsurance fall, completely exclude coverage on ndvduals who are n the armed forces, thereby makng t mpossble to renew term nsurance on the lfe of an ndvdual after he has entered the armed forces. Some companes wrte a specal form of coverage for men n the servce, and n one case an ndvdual company wrtng loan protecton nsurance has a flat rate of $ 5 per $1,000 per month or $60 per $1,000 per year of outstandng loans to cover so-called mltary loans. Ths s comparable to the Socety's base rate of $7.20 per $1,000 per year. The CUNA Mutual nsurance has no war clauses and, therefore, places no restrctons on loans whch may be granted to a borrower who subsequently enters the armed servces. Nether does t exclude loans whch may actually be granted to borrowers at the tme that t hey are already servng n the armed forces. By comparson, t s easy to see the many advantages and the addtonal protecton whch s afforded by a contract whch makes no dscrmnaton n ths regard. There s a dstnct savng of both tme and money to credt unons chat are members of the Socety. (a) t s not necessary to segregate mltary loans and. nsure them under a separate hgh-rate polc)' ( b) All of the loans and therefore the lves of all borrowng members of the credt unon are automatcally nsured under one contract at a very low ra cc. ( r) Complete protecton s gven the credt unon and thereby the members at all tmes wthout t he possblty of overlookng a partcular 10:1n :rnd when the loss occurs fnd that through oversght there was no protecton. Answer No. 7. As of the present tme t he total assets of the Socety amount to approxmately three-quarters of a mllon dollars; $ 500,- 000 s n Unassgned Surplus, whch ncludes $80,000 whch w ll be used to pay a 10 percent dvdend on 1942 AA, AA-WD, and Lfe Savngs contracts to credt unnos that are members of the Socety. Legal reserves and addtonal reserves co pay losses whch have already been ncurred amount to approxmately $235,000, and the balance of approxmately $15,000 s made up of current accounts payable, and accrued taxes whch are due and payable n The Socety has already pad over 13,500 clams totallng nearly $2,000,000 and at the present tme s payng more than 300 clams per month totallng n excess of $40,000 monthly. Ths ndcates very strongly the value of loan protecton nsurance to credt unons and credt unon members, and the above fgures show chat the Socety s n a very strong fnancal condton, well able to meet ts labltes. T he Unassgned Surplus whch s an addtonal guaranty to polcyholders affords two addtonal dollars for each dollar of requred reserve to meet future losses. The Socety s a Legal R eserve mutual and may not ssue any contracts that would call for assessments from ts members. The Socety s requred by law to set up suffcent reserves to cover loss contngences. 6 B.C. CREDT UNONST, February, t11-1-1M ! ~~\,\\lus HEAR/Ne f! '\~~ TELEPHONE 4/Q$ ' ~~ A> t- : ~~ ~ ~~ (<'~ AUDPHONf L'~~! -y~ ~ v! ~,ca~~~ r ~;..E"t...! rresrer11 LJ't!CfrlC j Smd for a Copy of j j "YouR KEY TO H:ARNC HAt>rNESS" Wallace Electrc Ltd. 427 Seymour St. Vancouver M Ml- H Traders' Transport Servce Ltd. Bonded Carrers CARTAGE - STORAGE DSTRBUTNG 339 Ralway Street PAc l've GOT A JOB TO DO You bet hove and 1'111 gong to do t rght! Ths war s gong to be won but we oll have to be n good health O we con do our port and that means eyes, too., B.C. CREDT UNONST, February, 1943 LOWER FRASER FSHERMEN'S CREDT UNON. Thrd Annual Meetng O N Saturday afternoon, Jan. 16, the Lower Fraser Fshermen's Credt Unon held ther annual meetng m the hall of the Unted Fshermen's Federal Unon. The meetng was well attended and reports of the drectors and other offcers ndcated that 1942 had been a most successful year. The drectors ponted out that 23 loans had been. made as compared wth 11 n The amount of these loans totalled $876, ther average sze beng $38. The largest loans made by,the credt unon snce ts ncepton were for $7 5. The drectors also ponted out that there had been a noteworthy mprovement n che rate of ncrease of share c;aptal. At the end of 1941 the organzaton had only $3 63 n shares. By August 3 lst of the followng year ths sum had been ncreased to $ n the last four months of the year another $ was added to ~he members' savngs, so that share captal at the end of 1942 amounted to $1,004. Ths ncreased rate of savng was largely due to an energetc drve for funds sponsored by the board of drectors. The report of Treasurer vy Bale ndcated that a net proft of $16.13 had been accumulated n The balance sheet of the organzaton on Dec. 31 appeared as follows: Balance Sheet, Dec. 31, 1942 Assets- Cash - - $ Loans to 10 borrowers $1, Labltes- Shares -- $1, Undvded proft proft $ defct $1, C. HARDWOOD FLOOR.CO. LTD. / 11cor po rated J MANUFACTURERS and FLOOR LAYERS BAy West 11th Ave. Vancouver The credt commttee ponted out chat loans had been made chefly for the purchase of :fshng gear, but that some loans had been made for the purchase of consumer goods, ncludng a small house on the Fraser Rver. The report of the supervsory commttee ~ dcated that the accounts of the credt unon had bee~ kept n a thoroughly satsfactory manner. Mr. Mark Galway gave a bref report on che conventon of the B.C. Cred.t Unon League, held last June. t was decded to transfer co the reserve fund for bad debts a sum equal to che legal mnmum prescrbed by the Act. A dvdend of 2 percent amountng co $ was dclared payable on Feb. 15. A small sum was placed n an educatonal reserve fund, the balance of the 1942 proft gong to the surplus account. Other motons ncluded authorzaton of che Board of Drectors to obtan Loan Protecton and Lfe Savngs nsurance, f they deem t adv sable. A commttee was set up to look nto the possbltes of organzng a scheme for cooperatve marketng of Fraser Rver salmon. Such a scheme would be put nto effect by the Unted Fshermen's Co-. operatve Socety. A vote of thanks was gven to the Extenson Department of the Unversty for assstance durng the past yea r. Mrs. vy Bale, treasurer of the organzaton, was. presented wth a very approprate gft n recognton of her servces snce the credt unon's ncepton. A presentaton was also made to Mr. Arthur J. Wrck of the U.B.C. Extenson Department. Presdent W. J. Barclay occuped the char ac the meetng. He expressed hs convcton t hat the credt unon would make vastly greater gans durng 1943 f the members contnued to gve t the same actve support chey had dsplayed n the past year. The electon of drectors had the fol - lowng results: \'V'. J. Barcley, Mark Galway, Robert \Vulff, Percy Sabn, Peter Peterson, Walter Emerson, Wllam Oja, Mrs. vy Bale. The credt commttee for 1943 s as follows: Fred Barclay, Ed Bale, Mrs. Agnes Sabn. T he new supervsory commttee conssts of Dan Marcn, Harold Peterson, Lynas McBrde. 7 +N-1t11- J tt1-lljl- " t t -! 1 Organo-Therapy j nsttute! MODERN, FULLY EQUPPED j! NSTTUTON j! Physo-Therapy, Hydrotherapy, Colonc j! rrgatons, Cleansng Baths, Steam Vapor :! Baths, Massage, Color and Lght Therapy, Detng and Fastng Regmes. 1!.! 5 McMllan Bldg., 411 W. Hastngs j t P.O. Box 935 Vancouver, B.C n1- n- 11-r N tt-ttK-M- 11M-11"- ~l-1hl-tt ll- llll- 11~-111-1t -! H. M. NUGENT f'- CO. \7 1. Manufacturers of :! SALS - TENTS - AWNNGS. 1! '.raqm.ulns a Specalty f ' t PAc Water St H-N-" Com ~lmeuls of ;Economy Stores Lmted GROCERES FRUTS AND VEGETABLES BRANCHES Va11 ~ ouver New Westmnster Clo' erdale Ladner Brghouse ~-~ K N ~ K-11+. DELNOR l f.. FROZEN! FOODS j.! always n oeason :... every season. j! H-lltll llt- 1"1-P'l-+

5 .Eear;ue Pl/.ed.deut <'/o Vud (j~ Letter Bag Mr. A. L. Ncholas, Presdent, B.C.C.U.L. B.C. CREDT UNONST, February, 1943 THE Oregon State Credt Unon Dear Mr. Ncholas,- As secretary of League s to hold ts annual meetng on Satur day, Feb. 20, at Portland, you for some detals on your newly or the Vctora Chapter was asked to wrte LMTED Oregon. f at all possble, Presdent ganzed Fuel Co-op. Ncholas wll attend as fraternal delegate from B.C. buyng pool and wsh to get all neces for WOMEN'S WEAR We are consderng formng a smlar When the Oregon League honored our sary data beforehand. SPORTS, DAYTME & EVENNG last B.C. conventon by sendng us ther f t s at all possble at ths late date, charmng and competent secretarytreasurer, Mss Geneveve Thomas, we tme for Monday's Chapter meetng. could you send me some nformaton n promsed we would accept ther standng nvtaton for us to be present at expedte t! hope the censor wll have a heart and the,r meetngs. We had a wonderful annual meetng Hence the ntended trp of our league and Vctora people are really wakng :... for every member of the : presdent. up to the possbltes of ths movement, ' famly from 15 to 55 years of ' We take ths opportunty of wshng both sprtual and materal. : age... from loss of lfe from ': the Oregon State League much success have been wrtng a seres of artcles n ther forthcomng delberatons, and for the Catholc Young People's paper,: any cause, at ACTUAL COST.,: hope that these wll be frutful of much and they are beng well receved. good to themselves and the movement,, The Chapter s gettng bgger and n general. better. We take t for granted that our presdent wll renew, on behalf of all of us, Yours very sncerely, ~ PROVDENT ~ the genune frendshp that has arsen MARY H. O'BREN., Mutual Beneft Ass'n, between B.C. Credt Unonsts and our Perpetual Help Credt Unon, ' 736 Granvlle St. ' : MArne 6615 Vancouver, B.C~ : Oregon brothers and ssters. Vctora, B.C.... AAMAAAAMA ~ ~... f' PA HOTEL GEORGA Anne Moloney, ~ ~, ~ PROTECTON ~,,,, ' 1/V.-fc for hzformato11:, of the W e.c. CREDT UNON LEAGUE!JN~ "':tr.~ DY (t Hudson's Bay Dnng Room D ~ SATURDAY, FEB. 27 " 7:00 P.M. ~ lt Guest Speakers tj:; ~": REV. GERALD G. SWTZER E. K. DE BECK, K.C..~.,t : ARCHBSHOP w. --M. DUKE nspector of Credt Unons ~ BSHOP F. HEATHCOTE MRS. DOROTHY STEEVES, M.L.A. (t Come and hear the story of Co-ops and Credt Unons! t (j"~ TCKETS obtanable from any Credt Unon Secretary TCKETS ~1.25 ~:;>t :... or at the Door ~ -~~~~~~~ 8 B.C. CREDT UNONST, February, 1943 THE Street Ralwaymen's Credt Unon (Stry) have bought a multlth machne whch they ntend usng to produce a good deal of ther statonery. bearng t her own specal credt unon headngs. The range covered by the machne s wde and vared. Letterheads, depost slps, cheques, ballot papers, meetng notces- n fact, almost every tem of statonery can be run off from t. The advantages of ths are obvous, and any credt unon wshng to take such advantage can be accommodated at a nomnal cost. Unons nterested are asked, however, not to communcate wth Stry drectly, but to put ther multlth busness through the League. The League wll be usng the machne as much as possble, and an arrangement between them and Stry s n the makng. Specmens of the work done on the machne wll be on vew at the League offce n the near future, so that credt unon executves can see what they are contractng for before they apply for multlth servce. The seres of lectures on credt unon bookkeepng gven last fall by Mr. Freth Edmonds s now ready to be produced by the Unversty of B.C. Extenson Department, and these lectures wll probably be run off on the new machne. Negotatons for ths are now n progress, and ths producton wll gve a further nsght of the posspltes of the new venture. t wll certanly pay local unons, n fact all B.C. unons, to nvestgate t he proposton outlned above. ON Jan. 28, 1943, the thrd annual meetng and banquet of the Vctel Credt Unon was held at Terry's Dnng Room. The presdent, Mr. R. F. Wllams, read the drectors report for the fscal year endng Dec. 31, The hghlghts of the report heng the contnued and steady growth of the membershp and also the outstandng volume of busness transacted durng the year. The electon of new offcers and commttees for t he year was then taken care of, those elected to offce beng Mr. R. F. W llams for presdent, D. A. J. MacLoud, vce-presdent; W. H. Sturrock, treasurer; G. R. Ard, assstant treasurer; Mss B. E. Hoffmester, secretary; and drectors, A. C. Bull, K. R. Fndler, Mss. Crawford and Mss L. Benson. The supervsory commttee elected were: Mss M. Brnkman, Messrs. 0. G. Jones and D. R. Flynn. The credt HE annual meetng of Per~etual T Help Credt Unon was held m the parsh hall of St. Andrew's Cathedral on Monday, Feb. 1. A large and enthusastc group of members and frends were present. Hs Excellency Bshop John C. Cody and Monsgnor A. G. Baker, both men. bers of the credt unon, as are most of the local clergy, spoke, prasng the work beng done, and urgng all not to forget the sprtual deals whch must be ever present n the movement, f t s not to degenerate nto a mere bankng nsttuton. Mr. J. L. Colbert, formerly of the supervsory commttee and now treasurer, gave a detaled account of fnances, and was accorded a hearty vote of thanks for hs servces. Trbute was pad to the work of Mr. H. G. Hnton, C.A., former treasurer, and Mr. E. J. Constable, hs assstant. Excellent reports were also gven by members of the varous commttees. Mrs. J. J. O'Bren gvng her thrd annual report, stressed the sold progress acheved, and thanked all members of the Board for ther splendd cooperaton, remarkng that an advantage of havng a woman presdent lay n the fact that women beng dumb, anyway, requred double the amount of help from the men, and got t. One eager lttle boy member dutfully seconded and thrded every moton, and congratulatng the presdent afterwards on re-electon, remarked, " thnk we had better keep you there for another year or two." The followng slate of offcers were elected: Presdent, Mrs. J. J. O'Bren; vcepresdent, Mr. James Grant; treasurer, Mr. J. L. Colbert; secretary, Mrs. R. L. Haley. Drectors: Mrs. T. Belton, Mr. E. J. Constable, Mr. Pollard. Supervsory Commttee: Mr. J. D. Kssnger, Mss J. M. Clay, Mr. E. J. Kenny. Credt Commttee: Mr. F. X. O'Nel, Mrs. J. De Blaquere, Mrs. A. Grant, Mr. C. J. Collns and Mr. W. C. Pollard. commttee elected were: Mss E. Ross, and Messrs. D. F. Tyson and F. C. Cavers. For the publcty commttee the followng member were apponted: D. A. J. MacLoud, M. P. Hoffmester and Mss M. J. Johnston. n closng, the presdent thanked the retrng offcers and commttees for ther cooperaton and also for the splendd way n whch they had handled the supervson and busness of the credt unon durng the past year. 9 r--~~~rth AVENUE ll HEAT 1 NG & PLUMBNG WORKS PLUMBNG and SHEET METAL BAy Use the Best 2008 w. 4th Wld Rose CAKE and PASTRY FLOUR BOYLES BROS. DRLLNG CO. Ltd. DAMOND DRLLNG CONTRACTORS and MANUFACTURERS 1291 Parker St. Vancouver FRASEA FARMS Ltd. Famous Grauer Herd MLK from PEDGREE COWS LAngara 0332 COLUMBA TRALER CO.LTD. Loggng Tralers 640 Drake St. Vancouver

6 B.C. CREDT UNONST, February, 1943 B.C. CREDT UNONST, Februa-y, 1943 By A. ]. WRCK Extenson Dept., Un versty of B.C. DURNG the past few years part of my work has ncluded the promoton of credt unons among fshermen of the B.C. coast. have met wth a consderable degree of success and many of the fshermen are thoroughly convnced of the value of ths type of cooperatve organzaton. Nevertheless, one of the most frequent objectons have encountered runs somewhat as follows: "Credt unons arc a fne thng for men and women regularly employed, who receve a fxed wage every month, or every two weeks. They can save easly and frequently, but people lke us-and farmers, too, for that matterwho obtan most of ther ncome durng one or two short ntervals each year, have no opportunty to practce regular savng. The credt unon won't work wth us!" have usually met ths argument by pontng out that there s no good reason why such occupatonal groups should not save just as much as regular employees n other ndustres. Ttue, they cannot save as frequently, but they can save once or twce each year n much larger sums. have also told them that many rural credt unons are operatng qute successfully among farmng groups n Canada and the Unted States. Ths last summer, however, had an opportunty to see a credt unon whch actually strengthened my convcton. Ths s an organzaton known as the La Fleche Communty Savngs and Credt Unon, Lmted. t operates n a small farmng town of the same name n Saskatchewan. La Fleche s typcal of many another rural centre n southern Saskatchewan. Located n the "dred-out" area, t suffered very serously from a seres of crop falures whch occurred between 1932 and Farmers of the surroundng area experenced seven crop falures n the past ten years. Snce the agrculture of the dstrct s almost exclusvely devoted to wheat, farm ncome beng entrely derved from ths source, most farms are heavly mortgaged. Fgures gven to me by the treasurer of the credt unon ndcated that the average annual gross cash ncome per farm was n the vcnty of $3,200. From ths sum t s necessary to take approxmately $1,100 for mortgage payments and, n addton, all of the farm operatng expenses n order to arrve at an estmate of the net ncome whch a farm household would receve n cash. The fgures would obvously not be large. La Fleche, n other words, has not receved any specal blessngs n the last 10 years. The success of the local credt unon s, therefore, an ndcaton of what can be done by determned effort. The La Fleche organzaton was ncorporated n Aprl, At the tme that was. n touch wth t t had been operatng for about 4 Y years. prnt ts balance sheet below, as of June 30, 1942: Balance Sheet, June 30, 1942 Assets- Cash on hand... $ Cash n banks.... Loans outstandng.... nvestment: S.C.C.S..... Accrued nterest ncome.... 2, , , Total... $37, Labltes- Accounts payable... $ 4, Net worth- Shares... 24, Deposts (63 depostors) 8, Entrance fees reserve for bad loans Educatonal fund.... Proft and loss Total... $37, ts membershp has grown steadly. At the end of 8 months, t hat s, n December, 19 38, t had 124 members. At the end of last June t had 417. t s worth notng the fact that farmers, or members of farmers' famles, represented 69.6 percent of ths membershp. Share captal at the end of 1938 stood at $1,290. At the end of June, 1942, t had reached a total of $24,144. Of ths sum the farm group-comprsng, you wll remember, only 69 percent of the membershp-had contrbuted 7 5 percent. t s obvous, therefore, that, although the membershp s not lmted t_o farmers, the latter have done more proportonately n buldng up share captal than any other group. The record of loans made by ths credt unon s equally mpressve. A total of 1,058 have been made, amountng to $13 1,000. The farm group, agan, has receved only 66 percent of the total number of loans granted, and have taken only 52 percent of the total amount granted. t s clear, therefore, that the farmers have not been "rdng on the backs" of the town resdents. They have contrbuted share captal proportonately greater than ther membershp, yet have borrowed an amount proportonately less. These farmers, dependng for ther 10 lvng entrely on the sale of wheat, naturally receve ther ncome n the fall of the year, yet they have clearly estab!shed the possblty of a successful savmgs programme. They have been able to make good use of ther savngs. Durng 1941, for example, 23 5 loans were granted_ to farm famles amountng to $26,000. They used ths money for the followng purposes: No. Amount Farm machnery and repars $13,066 Fuel for tractors ,085 Lvestock ,265 Autos and trucks repars ,979 Medcal, dental and hosptal Consoldaton of debts nvestments n land.. 1 1,400 Mscellaneous ,099 There s no need to comment further on the evdence have submtted. Farmers and fshermen alke, regardless of whether or not ther ncome s frequent and regular, can save effectvely, can borrow provdentally from a credt unon. All that s necessary s the convcton, the loyalty, and the ambton and ntatve! Swtzer's Musc Shop R.C.A. Vctor and Rogers Rado Dealers - Repars 1007 GranvlUe Phone PA 001 A. W. GOODRCH Co. Ltd. NSURANCE and REAL ESTATE 235 East Broadway FAr Vancouver Vancouver Fumgatng Co. FUMGATON Vessels, Houses, Apartments, Warehouses, by H.C.N. Methods - also Chamber Fumgaton for Furncure, Clothng, etc. Prces 011 Applcalo Dstrbutors of BLUE CLEANER for all Household Uses 325 HOWE ST. MAr THE ANNUAL MEETNG of the C. G. Credt Unon was held at the Edmonds Communty Hall on W ednesday, February 3, at 7:45 p.m. The presdent, Mr. Fred Roberts, occuped rhe char. The meetng was addressed brefly by A. L. Ncholas, presdent of the B.C. Credt Unon League, who outlned the three-fold duty of credt unons: to our country, n her hour of stress; to our members, accordng to ther need; and to posterty n layng the foundaton of a new lfe, based on co-operaton. Vstors from the followng credt unons were ntroduced to the meetng: New Westmnster Paper Employees, P.M.H.E., Pententary Employees, C.N. R.E., and A.C.S.of C. (Vancouver). The League Educaton Commttee was represented by Mrs. H. G. Pocock, who apologzed for the unavodable absence of her husband, the League secretary. Sutable solos were rendered by Mr. Dey, ably accompaned by Mrs. Dey. T hese were very much enjoyed by the audence. Mr. Sutton then presented several delghtful flms, w hch were met wth a hearty response. The drectors reported a year of real progress. The credt unon, whch s the poneer credt unon of Brtsh Columba, was started n the summer of 19 36, under the name of B.C. Credt Unt. Of ts frst eght members, sx were on relef, one was a pensoner, and the eghth was workng for hs board. The C.G. Credt Unon was chartered n 1939, and durng that year and the two followng years there was a slow but steady growth. Durng the year 1942, membershp was ncreased from 82 to 121-an ncrease of percent. The loans ssued durng the year ($4,357.00) are more than the combned rota! for the years ($3,260.60)-an ncrease of percent. The roral members' savngs have shown a remarkable ncrease, from $ to $2, percent. Delnquent loans are rare; the secretary has dlgently taken necessary acton to check up on delnquents, wth the result that there are no serous delnquent loans on our books, and we have no experence of loss from bad debts. An analyss of the members' savngs dsplays an nterestng pcture, the am / of each member's savng beng rcla- Fne Report From C. G. tvely unmportant as compared to the regularty of that savng. The strength of a credt unon depends, not on those who mght put n $100 and forget t, but on those members who fathfully and regularly put n ther 5 Oc, $1.00 or $ 5.00 each month. Of our 121 members there are only 14 nactve accounts. A real accomplshment ths year has been the edtng and publshng of our pamphlet, An Epc n Home Bank.fog. Ths pamphlet has been acclamed by all authortes as a true and accurate pcture of credt unons. Another accomplshment has been the ssung of a very attractve calendar, whch we hope every member of the credt unon wll secure. On December 31, 1942, our surplus amounted to $9 1.77, $3.00 of whch represents regstraton fees receved from October 1 whch the board ruled to be transferred to our specal account for the pamphlet expense; 20 percent of the balance ( $ 88.77) has been transferred to the reserve account, and 5 percent for the educatonal fund. A 6 percent dvdend could be declared, but, nasmuch as our Domnon government's rate of nterest on nvestment for the prosec1tton of the war s 3 ~ percent, we would recommend that no hgher dvdend be declared. The board of drectors for the ensung year are: L. LeVor, Geo. Nchols, E. S. Whttaker, F. T. Roberts, Duncan Russell, and J. Dan Scott. Credt Commttee: Marshall Baldwn, Herbert Peden, H. Peterson, John Mac Donald, Mrs. H. Dunlap and Mrs. Geo. Nchols. Supervsory Commttee: Mrs. E. J. Macleod and Mr. Clarles F. Armstrong. Members' Actvtes. An nterestng experment s beng carred on under the convenershp of Mrs. Geo. N chols, West Sde, and Mrs. M. J. Beaton, East Sdt;, n plannng teams for a membershp drve. Members felt that an annual and sem-annual meetng dd not provde suffcent partcpaton n the credt unon. They decded to form a club, meetng nformally n varous members' homes. The objectve s 34 new members per month for Credt Commttee. n cold fgures the report of ths commttee s that 43 loans were granted n 1942, totallng $4, T here was one case where a member had a $ mortgage on hs property. The mortgagor suddenly joned the Ar Force and had to leave for Toronto n 11 three days. The member was offered a clear deed f he could pay $ the next day. A quck C.G. loan dd the trck, and he got the deed. t s sgn~fcant to note that-seven of the loans were for hosptal and medcal expenses, several maternty casesreal C.G. babes. Also note that eght loans were to consoldate small debts. Ths purpose of loan s outstandng-one of the most benefcal. By a loan of ths type a member s put on hs feet fnancally, and can budget hs expendtures and lve wthn hs means, wth hs mnd at ease. Reports such as these remnds one of a remark of Horace Mann - " have never heard anythng about the resolutons of the Apostles, but a great deal about ther Acts.'' Jottngs From The Vctora Chapter By M. H. O'BREN HAD the prvlege of attendng the annual meetng of Vctel Credt Unon held on Jan. 28, at Terry's Cafe, Douglas St. The meetng was preceded by a dnner attended by almost ffty percent of the members. The presdent, Mr. R. F. Wllams, conducted the meetng n hs usual smooth and effcent manner. A past master n the art of compromse, 'Bob,' as he s known to the boys, would be an deal M.L.A. Perhaps we can send hm to t he House one of these days. The report of Treasurer W. F. "Wlf" Sturrock showed an amazng record of frst-class accountng, and a total busness approachng the twenty-thousanddollar mark. could not help feelng that there s a brght future ahead of any credt unon wt h such accountants as Mr. Sturrock, and hs able assstant Mr. Russel Ard, avalable. Reports of all commttees showed unformly good work done, and the comments and suggestons of the members were excellent, showng a hghly ntellgent understandng and apprecaton of what was beng accomplshed by ther offcers. One could not help but have a feelng of hope and confdence for the future of our country, when groups such as the members of the credt unon work together wth such harmony for the common good of ther fellow men.

7 Upholsterers, Furnture Workers Credt Unon THE annual meetng of the Upholsterers' and Furnture Workers' Credt Unon took place on Thursday, January 28, at the Y.M.C.A. Buldng wth Presdent Walter Blumm n the char. After a very excellent supper whch was enjoyed by a large turnout of the membershp, the guests settled down to lsten to the honored guests of the evenng, Mr. Tom Swtzer and Mr. H. G. Pocock. Both these gentlemen gave very nterestng addresses to the audence upon the benefts of credt unons, and complmented the unon on ts excellent fnancal showng as well as ts gradually ncreasng membershp, an ncdent well deserved because of the sncere and hard work of ts offcers and the membershp. Joval Tom Swtzer made all merry wth hs ready wt and poetcal mastery as he made the bet of a new hat to Manager Tom Whtmore f the mell}bershp doubled, as he knew t would, by ths tme next year. Several of the lades pleaded for new slk stockngs, too, but he was not lstenng. Mr. Pocock receved specal prase for hs untrng work n behalf of credt unons; no labor s too great or tme too mportant for ths 'gentleman so long as he sees the organzatons whch he s helpng n varous ways, go ahead. Offcers elected were: Presdent, Walter Blumm; vce-presdent, Claude Harrson; treasurer and manager, Tom Whtmore. Drectors: Tom Baymon, Claude Harrson, Walter Blumm, Mss Dorothy Mc Kay. Credt Commttee: Mss Dorothy Mc Kay, Claude Harrson, James Vanstone. Supervsory Commttee: Frederck T. Harrson, Rchard Garsde, Thomas Dashner. We thank the edtor of THE B.C. CREDT UNONST for gvng us space n ther excellent magazne for our press contrbutons, whch we deeply apprecate. We have not been pleased wth the way that the local newspapers have treated our copy so far, nasmuch as they have slaughtered what news we have sent n dealng wth our meetngs. But perhaps the edtors frown upon credt unons. t just goes to show that credt unonsts should go all-out for ther own magazne by supportng t because of ts wllngness to publsh our news and vews. Yours for vctory, F. T. HARRSON, Publcty. Further News LAST August ths magazne carred an artcle by A. J. Wrck of t he Unversty Extenson Department m whch he dealt wth the remarkable cooperatve achevements takng place at Massett, a small fshng communty on the Queen Charlotte slands. The resdents, ncludng both natves and whtes, had banded together to organze the Massett Co-operatve Assocaton, ts ntal object beng to process, can and market razor-back clams from the beaches n the vcnty of nearby Towhll. Mr. Wrck now nforms us that the past season was an outstandng success. Despte numerous dffcultes n ts frst year of operaton, the Co-op ob- Feld's Good Showng THE credt unon at Feld, B.C., has made sound progress snce ts ncorporaton last July. Mr. D. J. McDonald, who was very act ve n the early credt unon struggles n B.C. has been the nstgator of the Feld unon, and he reports that n the short term of operaton they have acheved a share captal of over $600, made loans of over $800 and have a membershp of sxty. He states that they have been fortunate n havng some exceedngly good offcers who have done outstandng work for the unon. Enthusasm contnues at a hgh level and many more members are n sght for the near future. Mr. McDonald s the former busness manager of THE B.C. CREDT UNONST and when on the coast was attached to the C. G. Cr~dt Unon n South Burnaby and New Westmnster. All Frms advertsng n the B.C. Credt Unonst B.C. CREDT UNONST, February, 1943 Of Massett taned a substantal surplus. Problems encountered ncluded, for example, a scarcty of workng captal, whch became partcularly acute when a government order temporarly "froze" the clam pack. Ths order resulted from the dscovery of certan posonous clams on another part of the coast. Despte these dffcultes 11,000 cases of clams were sold for $ 51,000, and approxmately $30,000 was dstrbuted 01-mong the worker-members of the organzaton. A surplus of $ 2,679 was obtaned. The Massett Co-op s a genune producer's organzaton nasmuch as the whole process, from the tme the clams are extracted from the beaches untl ther fnal dsposal, s controlled by the Co-op. The development of the clam beaches offers a new hope and provdes a new vson to the people of ths northern communty. Who s responsble for ths economc revval? Mr.. Wrck's answer, based upon several vsts to Massett, s "no one!" That s to say, no one person, no organzaton or nsttuton, ether n Massett or elsewhere. For the Massett Co-op, he ponts out, s "the people's busness." t s operated by the people of Massett, and t s operated for them; to them also goes the credt for ts brth. The resdents of ths coast outpost have worked for many fshng establshments n the past. Ths s one- the frst one, n fact-that they themselves own. They have come to recognze the mportance of ths fact, and already plans are beng formulated for enterng other lnes of producton and marketng. There s a strong possblty that salmon may be canned at Massett durng the comng year. THE B.C. CREDT UNONST offers ts sncere congratulatons to Massett. We have every confdence that t wll prosper and expand n the comng years. GUARANTEE the1 SERVCE and MERCHANDSE to be as ADVERTSED! 12 T B.C. CREDT UNONST, February, 1943 F NEWS By THE EDTOR ROM tme to tme - n fact some people say all the tme - we have sent forth plea after plea for news. News that would be of nterest to credt unon~ sts all over our far and mld (?) provmce. And what do we fnd? The general consensus of op1mon 1s ths, "Nothng ever happens." Annual meetngs of credt unons are not news, accordng to those who arrange them, conduct them, get headaches from them -both before and after. Problems met and solved are not news, accordng to those who have done the solvng. Problems that have been met and found too stubborn for soluton are not news, accordng to those who have butted ther heads aganst them. The fact that the problems stll reman unsolved and that the net result from the head-buttng s a large-sze headache s not news - accordng to those who suffer from ths frutless pastme of head-buttng. After a year of appealng for news we are just begnnng to realze that most credt unonsts smply don't know what we have been ravng about ths last ffteen months. Sad but true. So now we start r.ght from the begnnng. Please note! When you form a credt unon THAT S NEWS. When your credt un10n meets THAT S NEWS. When your credt unon does not m.eet - THAT S N EWS, becauses t should be meetng. \'V'hen your credt unon gves good scrvce-tha T S NEWS. \'V'hen your credt unon s not gvng good servce-that S NEWS, be ca use t should be gvng t. f your offcers do not know how to gve ncreasngly good servce - THAT S NEWS. for they should know. Facltes for fndng out how to gve t are avalable by applyng to the B.C. Credt Unon League. n fact, that s the major reason for the League' s exstence, whch s no doubt NEWS TO MANY OF YOU. \Vhen you run up aganst a problem and solve t, THAT S NEWS of the most vtal knd. For other credt unons want to know how you arrved at your soluton. When you run up aganst a problem that has you lcked, THAT ALSO S NEWS of the most vtal knd; for other credt unons may have solved the problem that stumoed you. and would be delghted to help you wth ther soluton. \Vhen you have a pecular case wth legal angles, THAT TS NEWS; for we have legal experts wthn the League who are thrstng for the chance to get ther credt unon teeth nto just such cases. When you have done a specally good job of helpng a member from a serous entanglement, THAT S NEWS. That s the knd of thng that credt unons thrve on, because such cases are the very lfe-blood and justfcaton of our move- 1nent. When you fnd yourselves able to pay 6 percent or over, THAT S NEWS. Because, n order to do that, you must have had all your money workng all the tme, and have turned over every dollar about three t mes wthn the year. Other unons want to know how you do t. When, after a full year's workng, you fnd yourselves unable to pay more than 2 percent, THAT S NEWS. For ths denotes a few cogs out somewhere; or you are not httng on all sx cylnders. There s a remedy for ths state of affars, and probably other credt unons can tell you how to fnd the remedy. When you hold a socal get-together, THAT S NEWS. Because there are socals and socals, you know; and you may have an dea that other unons would lke to know of and put nto practce. Also, John Colby, the feld representatve of Cuna n Ontaro, says that credt unons should be 51 percent socal and 49 percent operatonal. So f you are not holdng socals and get-togethers, then THAT TS NEWS, because you should be holdng them. Every actvty of a credt unon s NE\'V'S, and every nactvty of a unon s NEWS. So now you know! Snng m the League offce the other afternoon, who should drop n but our worthy Assstant nspector. After some strenuous pumpng on our part, we gouged from hm a whole hatful of news, whch we prnt n ths ssue. He dd not thnk t was news untl we ponted t out to hm rather forcbly. So maybe there s some excuse for you not knowng what news s made of, f the Assstant nspector was hazy on the subject. But from now on there s no excuse for anybody beng unable to recognze news whm he or she sees t, hears of t, or has a hand n makng t. From ths day forward, f you have news, say t wth letters. Words don't mean a thng to us. We must have t n wrtng. Remember the dctum of Stephen Leacock. "The art of wrtng," he says, "conssts of a frm applcaton of the seat of the pants to the seat of the char;'' So st down, folks, and say t wth 1-::tters. \'V'c need t n our busness! 13 Grmmett Goes to Town GRMMETT CREDT UNON, operatng n the South Vancouver area, s only about sx months old, and has an envable record so far. Havng only 22 members there was not very much that could be done, seemngly, but the unon has bought about $20 worth of supples, and have ther heads above water n the fnancal sense. Whle they have not pad dvdends, ther supples assets show that they have really made money. But the way they made t shows enthusasm and a determnaton to get ahead wth ther cl'edt unon dea. T hey put on a turkey raffle, and wth the proceeds are now all set w th supples to last them for qute a whle. Ths unon should go places. Don't Let the Bo')Js Down! BUY WAR SAVNGS STAMPS and CERTFCATES Ths space 11J.ade possble by Krk Coal Co. (Vancouver) Ltd. You'll Enjoy DEBRETT Fne Choeolates 850 Robson St. Vancouver Ptkethly Bros. BULDNG MATERALS 8609 Angus Drve KErr Nght, FRas, ~ m

8 THE second annual meetng of the Roberts Creek Credt Unon was held n the Roberts Creek Hall on the evenng of Monday, January 18. n spte of the weather there was a far turnout, although we. regret that our Gbson Landng members were kept home by the snow. Our able presdent was n the char and the meetng opened wth the roll call of 7 3 members. Our effcent secretary, Mrs. Cotton, read the mnutes and gave her report, whch showed steady progress throughout the year. A year ago our share captal was $283, and now t s over $1, 100. The credt commttee was able to report $2,100 loaned out durng the year. One neghbor now has a horse, another bought land, one pad' for dentstry, one got started n the wood busness, another fxed up hs home, and so on. n all, 28 loans were made for "provdent and productve purposes" and not one delnquent. A two percent dvdend was declared. t was very satsfyng to know that after only a year and a half of operaton our credt unon has made such a good start, and we realze that n the matter of membershp the surface has scarcely been scratched. One of our problems s to get all our members to become actve-depostng an amount, no matter how small, regularly. Probably the most mportant gan of all s the actual, frst-hand proof that plan, everyday Canadans, workng together, frustng and relyng on the other fellow's decency, can help others as they help themselves, can make progress along wth, and not n spte of, ther neghbors. To Credt Unon Secretares: W ANN WNTER EVANS. THE SUPPLES MANAGER SAYS.... HEN orderng pass books you ' wll probably fnd that when your order arrved have ncluded an equvalent number of FoRM B.C. 1. (pass book certfcates). The credt unon Act requres that every pass book have one of these pass book certfcates pasted on the nsde cover. So f you have any of these certfcates on hand, please note same ot your order. Otherwse they wll be ncluded n your order. B.C. CREDT UNONST, February, 1943 PATHOS and HUMOR W HO would want to re-lve the ex. perence of walkng peacefully home n the early evenng hours on a quet West End street-suddenly feelng a lght touch on your arm, as of a fallng twg-then a sound of runnng feetyour throat closng as n a. nghtmare, as you see a young lad wth your very own purs~ danglng from hs hand as he gans speed. Your throat opens and you yell, "Purse! Polce!" A couple on the corner take up the chase and soon the block s sprnkled wth human bengs nte~t on catchng the rogue. A lady stops your dash and sympathetcally says, "Don't worry. Clarence s a good runner and s sure to get hm." But Clarence dd not get hs man. You saw hm dsappearng n the foggy lane. The frendly prowler car takes up the chase, but the suspense contnues for three more days. Then a knock at your door and behold! The purse ted up wth a chld's gay har rbbon danglng as before from the arms of two young fellows ths tme-found where do you suppose-mles away from the orgnal scene besde a post offce box. You open t wth some expectancy, but alas! the money has v anshed and also your moral support - your beauty kt. But joy of joys, your raton book s ntact and you can agan eat butter on your sandwches tomorrow.-m.c.b. Glmpses of Humanty At Marpole on Sunday we saw a pnvate car chuggng along wth a traler full of logs ready for the freplace. What a thrll to arrve just n tme to dlate one's nostrls wth expectatons of a steamng repast-wth such an offerng! ::- :: ::- Carelessness n Rest Rooms \\;/ho can check the rsng tde of carelessness n publc rest rooms? f the offender could only thnk of the one who comes. after, what a dfference to the eye and to the propretor who so kndly provdes us wth ths most neccssa~y convenence. Could we not show our courtesy by remem bcr.ng? Move Along the Asle, Fellow Passenger! \\;/hat s more maddenng than to stand on Hasthgs Street n a gallopng gale and see street cars n successon passng by wth a vacuum n front and the rear packed wth human sardnes? Who can nvent a way to make these selfsh creatures thnk of ther wearv onlookers ~hle they merrly go on,ther homeward way?-m.c.b. 14 Where to Buy l..--colon~-a-n_d l Post Physotherapy Centre Medoal a.: Redudng Massage Sup t. Edth M. Leonard R.N. Graduate, Mayo Bros Vancouver Block MAr l... To Our Customers: Your coal orders delvered as soon as possble, subject to supply of labor to fll them. To save rubber, gasolne and help, we are groupng orders as to dstrcts. NANAMO - COMOX ard McLEOD RVER (Alberta Hard Coal) STOKER COAL ("Specal" Mxture) MARPOLE COAL COMPANY LTD Man St. MAr McNTOSH and DUNKN.JOHN DUNKN OPTOMETRST 923 Brks Bldg. MA. 0822!l- -" ~ N-M ~ ~u-11 ~1-11~-~H-1+! j CREDT UNONSTS! ~ Satsfacton guaranteed when! j your shoes are rebult by l = f CAMPBELL BROS.! j Shoe Renew l j 731 West P ender St. PAc l n n-11r-h u-n h 11- ~ ~-\-"+ B.C. CREDT UNONST, February, PRESDENT'S MESSAGE L~~~~~~~~~~~~~~~~~ REETNGS! By the tme ths goes G to press, most of you wll have held your annual meetngs and wll be well embarked upon your new year's endeavors. The;e wll be some new blood on many drectorates and should lke to address my message ths month to those who have just accepted the responsbltes of offce. The measure of success of your credt unon durng the comng year s n the hands of the drectors. t s a bg responsblty and one that should hav e your wholehearted nterest and attenton. Too often the busness of runnng an organzaton s left n the hands of one or two enthusastc offcers and t s everlastngly to ther credt that they usually rse to the occason, but ths s not a healthy stuaton because the. credt unon seeks to educate ts members and make them realze that they are truly a workng part of the organzaton. Part of the machnery of credt unon educaton s a drectorate that knows ts busness and attends to t. War condtons brng dffcultes n the operaton of a credt unon whch make necessary the exercse of ntatve and magnaton n order to gve the fullest servce possble to your membershp. t s very necessary to sell your credt unon to your members to acquant them wth the benefts of makng the fullest use of the facltes avalable. Your League stands always reeady to gve every assstance possble and a letter wll brng the latest and best advce and nformaton on your problem. Let me take the opportunty of congratulatng you on your electon and wshng you and your credt unon success and prosperty n your endeavors durng the ensung year. A. L. NCHOLAS. A Thn Person ~HE remnded me of a tree standng U> alone n the dreary wntry woodsstrpped of all ts leaves and color. Her arms outstretched were lke ts branches, droopng and forlorn. Her skn was stretched lke the bark, dry and taut. Her form, even as the once leafy nhabtants of the forest, was bereft of all ts graceful beauty. She stood as f watng for the advent of sprng to fll her vens wth the zest of ts new warmth and lfe, even as the patent tree wats through the long wnter for the sao to course upwards to gve t color and vtalty agan.-m.c.b. Edtor, B.C. Credt Unonst: Sr,- have just been readng through your ssue of January, 1943, and was mpressed by the artcle, "Educatonal Forum." Three months ago joned the unon, but was approached wth a vew to securng me as a member three years ago and ths letter s to tell you why dd not jon then. was approached by a man n whom have great fath and n the course of hs remarks he stated that the rate of nterest worked out on loans at slghtly over 6 percent. Beng a hound for fgures, quckly asked for a sample case of a loan and found that the nte of nterest on money owng was 12 percent per annum. Our argument got a lttle hectc and the man pont of my becomng a member was lost n the dscusson. Both of us mantaned we were rght and there the matter ended. Credt unonsm was never dscussed agan between us. However, a few months ago requred some money quckly; one of the many sde ssues of ths war caught me and ddn't know what to do. The anxety t caused must have regstered tself on my face, for another man n whom also have great fath asked me what the trouble was, so up and explaned t to hm, and hs frst remarks were, "Pty you dd not jon the credt unon when you frst came here to work." t was a surprse to me that he knew anythng about credt unons and told hm so. " Oh," he sad, "let's have a chat." We had that chat-at least he chatted and lstened, and wthn an hour my frst subscrpton was pad. He dd not talk about the loans could get but nstead he talked of how the credt unon helped a person to stand on hs own feet and f the way dd. get a bt rocky the credt unon was there ready to help one over. There are others lke me, so through vour educatonal forum "go out nto the hghways and byways and the hedges and bcl [1 the w_anderers to come n." Yours wth best wshes, J. H. HEAN. P.S.-T dd not apply for a loan from the unon, as the matter cleared tself up.-h. League Moves Agan On and after March 1, 1943, the B.C. Credt Unon League headquarters wll be at the Bower Bldg., 543 Granvlle Street, Vancouver, B.C. Credt Unons wll govern themselves accordngly u- 1+1-uu-u tl-~h-11~ tU Mu-1u1-11+ The BLUE BRD SHOP f E. R. Mc LENAGQl:N, Prop. j "SPRNG TOGS?" j j - SEE US - j COATS-Talored and Dressy ~ SUTS-Talored and Dressmaker DRESSES- One and Two-pece j j SKRTS and BLOUSES j SMART MLLNERY - j SUPERSLK HOSERY j HANDBAGS f l CREDT F DESRED f 2517 Man St. FAr m1-~1-n n- 11t ~-n-gn-11 1-u H ""-u ~- 11~-"1l- "- 11~-11H-11 ~-1m- 1 + Specalzng ;,, WATCH AND JEWELRY REPARNG j Only Frst Class Workmen j Employed l All Wark Guaranteed!. t f C. P. ERWN! JEWELER!' j 783 GRANVLLE ST. j (at Robson) r + K-R "- u-lll-h ~-"H-llH-11 -Hw H~ BALLROOM PHYSOTHERAPY CLNC Fully Equpped wth the Most Modern Apparatus Short wave dathermy, chrono wave, nfra-red rays, colonc rrgaton, whrlpool baths, medcal massage and gymnastcs. J. McP. CAMPBELL P Acfc 6930 Drector 825 Granvlle DANCE EMBASSY BALLROOM Dave at Burrard St. WHTE ROSE 1236 West Broadway. Al~r~ad!~?2!my Phone PAcfc 0011

9 Mr. N. Russell, Dect McGl:l St., Vancouver, B. C B.C. CREDT UNONST, February, CONVERT to a MASTER COAL STOKER and Save Fuel the Modern Way! \Ve are Pleased lo A ce the Co11tn11ed A ssembl11g of 011r Master Automatc Coal Stoker OWER NO\V AND ENSURE DELVERY! CANADAN MASTER STOKER CO. Our New Locaton West 5th Avenue - FAr Baley Cedar Co. Ltd. Mamtf acturers of CEDAR LUMBER RCHARDSON JARMAN LMTED FASHON -CRAFT CLOTHES A11 l 1n-es/111enl n Good Appearance l -- ESTABLSHED 1912 ==:"f MArne Granvlle Vancouver Radator Specalsts AUTO RADATOR, &. LAMP COa LTD. A. CLEMENTS, Mgr. Radators m ade to order Repars Recores Phone: FRaser 2829 Foot of Crompton Street VANCOUVER, B.C. MAr Seymour St. A-1 STEEL & RON FOUNDRY Ltd. 29 West 3rd Avenue - FAr A-1 PATTERN & BRASS FOUNDRY Ltd. The Only Local Foundry wth Facltes to Manufacture Steel - Bronze - ron - Alumnum CASTNGS rr W o r k n g F o r V c t o r y " Swedsh Massage for Health Every Dseased Condton s Related to the Blood Stream SUPEROR SERVCE Our operators are chosen for ther skll, personalty and appearance. Separate floors consstng of eght modern, comfortable t reatng rooms. Colonc rrgatons Medcal Gym Vapor Steam Cabnet Baths Lght Therapy Specal Reducng Treatments Chase away that "tred feelng." F eel fresh and vgorous and full of PEP! We a r e experts at Massage and know how to make those achng muscles a nd jangled nerves R ELAX. Complete "Head to Toe" Servce NURSE ADELE 1 S MASSAGE CLNC 3151 Granvlle St. OPEN EVENNGS BAyvew 0785 Geo. RAPP CERTFED SWSS WATCHMAKER 12 Years Servng Vancouver Expert Reparng - New Watches Sold -.Prompt Mal Servce.,: 705 DUNSMUR STREET (6 s teps West of Granvlle) Broadway Prnters Lmted Prnters and Publshers FAr E. 8th Ave. Vancouver