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mg and borrowing from loan companies were criticized â€" it was conceded that if a farmer needed credit it was better to try to arrange a loan through his bank manager; and that the banker liked to know something of both wife and husband applying for a loan. While the trend of the discussion was strongly in favour of thrift one member of the panel felt that every family had a right to some spending for luxuries. One member said that she and her husband are fond of music and that they occa- sionally bought a long playing record; they were also accumulating some books. Another family were saving for a camping outfit. The panel members being youngish people, most of them had their savings going to pay for the farm, to buy stock and so on. Members who were parents had turned family allowances into endowment insurance to help their children pay for their education later. Buying bonds through the bank was rated an excellent way for the young wage earner to develop the saving habit. On the question of giving, the panel stressed the importance of budgeting the income, how- ever large or small, to contribute to the support of the church. One suggested the need of setting aside something for certain charities that make an annual appeal in the community. One purpose of having this panel on the proâ€" gramme was that it might stimulate a study of money management in the Junior Institutes. F.W.I.O. President Speaks Mrs. Lymburner. President of the Feder- ated Women‘s Institutes of Ontario, brought greetings and expressed the hope that out of the Junior Institutes would come many members for the Women's Institutes. She said: “We need the fresh ideas and the enthusiasm of young people. Also, when you come into the Women‘s Institute you know our ways. And I hope you know that we are interested in you and are anxious to do anything we can to help.” Mrs. Lymburner spoke of the advantages of growing up in the country. She remembered that when she, as a child, had spent her summer holi- days on the farm with her grandparents, there had been so much of interest that she had never had to ask “What can I do now?” She said “You are going to remember the interesting things in your childhood and the interesting things you’re doing now and your association with other people. But we can‘t go back. ‘Four things come not back: the spent arrow, the spoken word, the neglected opportunity and time past.’ We come to the stage where we must assume responsibility, and until we assume responsibility we do not become whole persons." A point that Mrs. Lymburner stressed parti- cularly was the importance of learning to be oneself. not an imitation of someone else. She said. “Each one of us has a talent unlike the talents of any other person; but often we’re so busy imitating someone else that we never polish up. or develop our own talent. We may be inâ€" spired by other people. but we should try to be ourselves.“ The speaker referred to a Chinese fable about a man who wanted to go from No- where to Somewhere and who found three pieces of equipment necessary for the journey. “You, 23 too. will find these necessary if you want [0 make the same jOurncy,” said Mrs. Lymburner “They are ‘the picture in your eye‘ (your mun, ‘the voice in your ear‘ (your urge or mauve; ‘the sword in your hand' (education, Wham i; comes out of books or daily living or, hope, both.)” Mrs. Lymburner emphasized the need of w. going people who make their contribution t-mth in family life and in the community; wh. ,re “the salt of the earth" and who get things fine and she quoted this philosophy of living: ' “To graduate from the school of life r- cl, carrying a difficult course with plenty of i.- .m. work. Its curriculum is made up of man‘. as. jects: happiness, understanding, boredom, not pain and despair. Its teachers are faith, exp; " ll‘i US we and false pride. Its averages for passing ; it“ are tolerance and hard work. Its diploma in . we of mind and strength of character." Mrs. Lymburner appealed to the girls it .i,. sistance in the home safety project which F.“ "l hopes to announce following its spring .nj meeting. She felt that girls who had tak .ic club project “The Club Girl Stands On (. t‘ would be equipped to give special help. Juniors on F.W.I.O. Board Mrs. Janet Oliver, nee Janet Laidlaw. i»; term of office as a Junior Director t» Etc F.W.I.O. Board expires this spring, gave .. i»; interesting report of her experience on the I d. She stressed particularly the educational «- tunity of being a member of the Board :t. plained that while the two junior membel there to represent junior interests, they I: "i: right and were made to feel free, to spr. «j vote on any question coming up for discussit When Janet retires from the Board in M. ,m will be replaced by Miss Doreen Brock of ‘A : sex county, now the junior of the two in ‘VTt the Board. The second junior representm. ~- Pointed at the conference was Miss Floreni ter of Perth county. Affiliations, From Branch to Internatim» Mrs. R. J. Penney, a past member lie F.W.I.O. Board, and a delegate to up Ht A.C.W.W. Conference, explained the aft‘i! lof various levels of the Women's Institute x n- zation from the Branch Institute, whether wt or Senior, through the District, the Corr -'n Area, the Provincial organization (F.W.I.l HG National organization (F.W.I.C. or Fer: :‘il Women's Institutes of Canada); and the l m- tional (A.C.W.W. or Associated Country ‘ m of the World). Mrs. Penney referred to the Mt Institutes‘ affiliation with the Junior F -> Association of Ontario, and how this relic} the Junior Institute branches of paying 1: [0 F.W.I.O., F.W.I.C. and A.C.W.W., becau; lm' 133V fees to the Junior Farmers‘ Associatw‘ 1nd the Junior Farmers” Association pays a “‘1 sum to F.W.I.O. to cover Junior Institute feet Mrs. Penney is a member of the Hand wok Committee and her talk should stimulate 'n' terest in the study of this book when it 1- .‘Ub' lished later in the year. Her report ("I “‘5 A.C.W.W. Conference with coloured slides .m entertaining feature of the conference. HOME AND COUNTRY