smithley investments in the philippines

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An investmentfonds wikipedia free fund also index tracker is a mutual fund or exchange-traded fund ETF designed to follow certain preset rules so that the fund can track a specified basket johann pfeiffer iforex underlying investments. Index funds may also have rules that screen for social and sustainable criteria. An index fund's rules of construction clearly identify the type of companies suitable for the fund. Additional index funds within these geographic markets may include indexes of companies that include rules based on company characteristics or factors, such as companies that are small, mid-sized, large, small value, large value, small growth, large growth, the level of gross profitability or investment capital, real estate, or indexes based on commodities and fixed-income. Companies are purchased and held within the index fund when they meet the specific index rules or parameters and are sold when they move outside of those rules or parameters. Think of an index fund as an investment utilizing rules-based investing.

Smithley investments in the philippines capital budgeting investment appraisal techniques in economics

Smithley investments in the philippines

Savings programs such as Pag-ibig MP2 and retail treasury bonds are similar because they are backed by the government. They ensure that your capital or a portion of it remains intact, and the people who participate in them can be regarded as conservative investors. As a comparison, owning shares of Philippine companies is for aggressive investors. The prices of shares are volatile, they change every trading day depending on the demand for them.

Hence, there is a real risk that you lose a portion of your capital, investors and traders have to be knowledgeable and skilled so they can avoid or at least mitigate the loss. Why are they willing to expose themselves to the risk? Because they may have studied the market or company profile and found out that there is potential upside. The other risk is not meeting expected returns. Of course, bank deposit products such as savings account or time deposit have minimal chances of running into such risk unless the bank goes into default ,.

It can be a factor in non-guaranteed gains, such as in a mutual fund. You might expect that it is going to post the returns it had the previous years or the returns based on a projection. Thus, it is important to always be reminded that historical data does not predict future returns, and projections do not guarantee actual performance. So if risks are part of investing, what are the things that you can do to manage them? First, understand them. The more you know about them, the better informed you would be in making a decision.

For example, index funds have good and bad years, and experts recommend that you invest long-term to get the average returns over the years. Second, make sure that you know and understand your risk appetite. How much of it can you take? The best investment out there is one that is a perfect marriage of the inherent risks and your risk appetite. A good way for you to find out is to walk into any bank that is offering unit investment trust fund UITF and ask for an investment rep.

Request information about their UITF products as well as check if you can take their risk profile assessment. What are the things that you need to do as beginners? These are the things that you have to do to ease yourself into it. Put in a financial plan. It is important that you do your due diligence so you can avoid investment scams.

So what kind of investments are available for Filipinos who are residing in the country or working abroad? Securities are paper assets that are a proof of partial interest or ownership in a business, such as company stocks and preferred shares. They can also be debt instruments, such as corporate bonds , government bonds , retail treasury bonds , treasury bills and long term negotiable certificate of deposit.

This is what managed funds are for. Examples are mutual funds , unit investment trust funds , exchange traded fund , Personal Equity and Retirement Account , and variable universal life policies. All of these managed funds are categorized according to the assets or combination of assets that they hold.

See below. State-run entities have savings programs that are made available for Pinoys who want to earn passive income. The Pag-ibig MP2 is quite popular due to its dividends that are consistently higher than interest earned from some banking products. They also can offer to their conservative clients high-yield savings accounts and time deposit products that you can find in the market with better-than-average interest.

If you have the time of the day and the patience to learn, you can also engage in trading securities such as stocks, cryptocurrency and forex markets. You got to be ready to allocate time when the markets of these securities are open, and you will also need to have the expertise in knowing what and when to trade.

Another easily overlooked alternative is the cooperative. There are many kinds of cooperative operating in the country, offering products and services to members including deposit accounts that can earn interest. You may want to check one located near you. Crowdfunding is a way for small and medium businesses, social causes, and other enterprises to get the capital they need to pursue their ventures.

The crowdfunding platforms allow the public to invest their money on selected projects, and they can earn when these projects become successful in turning up a profit. Acquiring real estate is also another way to invest. It may require huge capital and years for mortgage payments should you purchase a property on a loan. In exchange, you can earn from rental income or you may also engage in buying and selling properties. Lastly, there is always the option to open a small business.

It can be in the form of a brick-and-mortar store or an online shop selling goods and services. Index funds are not for the faint of heart. They are invested in the top 30 companies in the Philippines , which are collectively called blue chip stocks or Philippine Stock Exchange index PSEi or simply called equities stock index. As you can see, there are periods of volatility going up and then dipping down , and the general trend is upward. So how do you invest in index funds? LTNCD is offered to the public when banks need to raise capital that would be used to fund expansion or to increase their lending ability to their borrowers.

Check this news report from Inquirer. You can do this by acquiring the retail treasury bonds or RTB. These are government debts that are offered to the public by the Bureau of the Treasury. You may buy them through banks authorized to sell them or online directly through the Treasury. For instructions on how to acquire them, check this link. Investing in bonds on the other hand have longer term, and you earn by the periodic interest that the government gives you.

For instance, this RTB no. Its coupon rate or interest is 4. Since the interest is known as well the number of years, we can actually check just how much you may possibly gain. Assuming that you invested P,, this is how earnings are going to look like. That is, your money grew by You can also invest in bond funds or go through brokers so you can get access to the secondary money market.

Corporate bonds are debt instruments that private companies issue in order to raise capital. Just like the government bonds, they are interest-bearing and pay fixed income until the debts are settled when they mature. You get periodic interest, usually quarterly every three months , until the bonds are paid back in full when the term ends.

Terms usually lasts about 5 years or longer. Corporate bonds give you priority on company assets should the business be liquidated. There are ways to acquire them. Outside of the offer period, you may purchase them through the secondary market or by buying up bond funds. You earn by the difference called spread or yield between the price of the bill and its face amount. Just like other government securities, you may be able to buy the treasury bills through brokers generally in the money market.

You can also invest in preferred shares. Preferred shares or preferred stocks are issued by Philippine corporations as one of the ways to raise capital for their business. Dividends are the portion of the profit of companies that they decide to give away to investor. Another key difference is that preferred shares are not as volatile as common stocks. How do you invest? You just buy the stocks from the stock market.

If you want to see the dividend rates and other more important details, you may read the article: Is it good to invest in preferred shares? Just a couple of things to consider. They are not issued very often. Another thing is that companies usually redeem buy back these shares at a certain period in the future.

Lastly, dividends might not be guaranteed, so companies may miss paying out dividends in a given year. Lastly, the price of the stock is subject to market demand and can fluctuate. Because preferred shares are offered infrequently, another alternative is to buy company stocks from the exchange. You can choose companies that have historically given out periodic dividends to shareholders. And here is also a list of Philippine company stocks that gave highest dividends last year.

With so many choices, it might be hard for you to choose one to get started with. To help you find the qualities of the best passive income, here are some of the things you can bear in mind. Also, take note that the ones mentioned here are either government-owned companies or licensed by the Philippine government, so you know that they are trusted partners for your wealth-building strategies. How much initial capital can you invest?

This is the starting point because it is going to dictate what type of accounts you can open. The next factor is convenience. You would want to deal with institutions that you can visit any time or have online portal for quick monitoring. Check if there are other duly-licensed companies near you.

What kind of investing risks are you willing to take? You know what they say. The higher the risks, the higher the potential for returns. If you think you are not willing to experience capital loss, then go for guaranteed but modest returns from less risky SSS, Pag-ibig, and deposit passive income.

How much time and work are you willing to put in? Some would require you to track their gains or loss periodically such as in the case of exchange traded fund ETF. Others like time deposits do not really need much of your attention. Are you saving up for medium-term or long-term goals? Or do you want to have access to your money any time? The need for cash or in technical term, liquidity limits your choices. Some of these accounts would charge a fee or only give your capital back when you withdraw or close within a specified period of time.

Compare fees involved because they lessen your earning potential. Not only that, check for any tax liabilities on your income as they also can diminish your gains. In particular fees of investments funds in the Philippines are really high compared to similar products available in other countries.

And this is something that the government and the financial industry have to look into if we really care about protecting the interest of the investing public. Trust me when I say that you are your worst enemy. Self-control and money management skills are not gifts that anyone is born with, they are developed. Passive income. This is a wonderful source of information. I feel somewhat disappointed that financial literacy is not included in our schools curriculum.

This could have benefit our future generations and uplift our way of living. I agree! It would be nice if everyone was taught about financial literacy at their teens or early age in School. Filipinos got used to spending on material things and vices instead of increasing their money. Hi Gabriela, thanks for the very good question. The choice boils down to fees and convenience. Thank you so much for this very helpful info. Could you please give me advice or recommendation as to what could be the best investment option, preferably short-medium term and affordable with the highest return?

Looking forward to your response. Hi Nice, thanks for the question. The best investment is the one that fits to your current financial situation and your future financial goals. This blog offers a resource to help you figure out which one, as each of us have unique circumstances and future dreams. Hi, thanks for the response. Hi, Alvin. Thanks for an interesting question. Thanks, Richard. MP2 is one of the many choices people have to earn passive income. The important thing is to learn the choices available and be able to pick one that suits you.

Thanks for leaving a reply. We encourage you to keep the conversation engaging, safe, and meaningful. Your email address will not be published on the website. Please avoid the use of keywords on the name field. All comments are subject to approval before being posted to the message board. For more information, please visit our comment policy. Article table of contents. Hi, this is really amazing insight and content! Thank you for sharing! Look forward to more. Hi Mike, thank you for the kind words.

Excellent article.

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Lastly, use of the Present Sites is limited in terms of the number of requests to: 1. The directory data and the information of a public nature about businesses name, address, telephone number, email address, fax, financial data etc. Classification of businesses by sector is also offered. Requests relating to the data of the persons concerned data subjects whether they be natural or legal persons, shall be submitted by means of one of the following procedures : 1.

By clicking on the following link: " Update my personal data " 2. It is essential for the request to be accompanied by a copy of an identity document and, for requests originating from legal persons, by evidence of the person's authority to represent the legal person submitting them. If you own real estate property — such as a condo unit, lot, apartment, house, building or even a spare room — and you rent it out to other people, you can receive regular stream of money with little to no effort.

Except maybe for the general upkeep of the property and collecting the rent. However, real estate requires too much money. Constructing an apartment needs a big investment. Are there other sources of passive income that can have higher returns than savings accounts or that would not require very big upfront cost like real estate?

The answer is yes. By now, the benefits of passive income may already be apparent to you. You can get to increase your net worth even while you sleep. Now, you might wonder. It sounds too good to be true. Well, there are things to bear in mind about passive income. There is risk involved. But so is everything else. Renters might vandalize or destroy your property.

The location may be prone to flooding. New developments in the area, such as landfill or live poultry farm, could devalue its worth. But what are the risks involved? First, there is risk that the capital might depreciate. When you start taking part in managed funds that are into stocks, as we will discuss later on, there are times that the market might not perform well. It could lead to a decrease on the worth of your investments.

Second, there is risk that the potential return is not realized. Again, we will discuss ways on how to manage such risks, such as diversifying your investments and going for long-term planning. Always remember that risk is everywhere, even with passive income. So below are easy passive income every Pinoy must know and start right away.

They require only two things: time and good cash flow. Yes, the lowly savings account is the easiest passive income anyone can find. It can possibly earn you at least 0. Below, you can see the list of banks, their high interest rates, and their deposit products.

For a more complete guide, please read our roundup of the top 10 best savings accounts in the Philippines. Can you become a millionaire through a savings account? Yes, but only if you consistently save. Then, you can actually save at least P8, In addition to regular deposit accounts, banks also offer product for children.

You can read more about the best savings accounts for kids. Their interest rates are comparable, if not even higher, than the traditional ones. Some banks even offer free dental care, insurance, or educational benefit. Below are the top 14 best savings account that you would want to start with your young children. A time deposit is the same with a savings account except that you get higher interest with less liquidity liquidity means your ability to withdraw your money from the account.

The bank holds your funds for a specific period of time, and you can only get it on the maturity date. Should you wish to withdraw before that, you would pay a fee. Starting a time deposit is as easy as opening a bank account. Also, the interest starts at 0. Plus, you can choose how long your fund is parked like 90 days, days, a year or longer.

To earn your first million with time deposit in 10 years where the interest is credited annually, then you need to save P96, You can read a more detailed article on the best time deposit accounts with high interest rates in the Philippines. An investment-linked policy is an insurance plan that allows you to invest. Through this product, you can get insured and put your savings in investment funds at the same time.

It makes buying insurance as well as starting an investment easier. The downside is that there may be fees involved in opening and maintaining this account. Fortunately, this is perfect for those who are just starting into passive income as it gives insurance protection from sudden demise, critical accident, or accidents while building wealth. You can buy this kind of policy from insurance companies through their agents.

In fact, you can read more about top insurance companies in the Philippines based on premium income, asset, net income, paid-up capital, and net worth. The agents are licensed by the government; meaning, they were trained, took an exam conducted by the Insurance Commission, and then passed. A mutual fund is a pool of money that is invested in company shares or bonds debts that pay interest with the goal of maximizing returns for its investors.

In this list of investment companies that offer mutual funds in the Philippines, you can see that one company actually manages several funds. Anyone can actually open an account. Check out the mutual fund fees especially how to avoid paying the sales load before you start because they can chip away your possible returns. While there is no holding period, some companies will charge a fee if you withdraw within the first six months. Plus, all earnings are tax-free. If you want to earn your first million after 10 years, you can save at least P6, UITF or unit-investment trust fund is like a mutual fund.

There are many differences between the two, but the key difference is that UITF is managed by a bank while a mutual fund is managed by an investment company. Like a mutual fund, a UITF has a fund manager that oversees the day-to-day trading, allowing investors to earn passive income.

You can start with P5, There might be fees when you withdraw within a certain amount of time. For UITF equities fund , the average rate of return is 6. By saving at least P6, Personal Equity and Retirement Account PERA is a personal and voluntary savings account available to the investing public who are at least 18 years old and have a tax identification number. It is established by the Republic Act No.

When you open an account, you are then able to invest in many different investments such as UITF, mutual fund, stocks of publicly-listed companies, exchange-traded funds ETF , annuity plans, government securities, etc. The returns would depend on the kind of investment that you choose. If you choose mutual fund or UITF, then you may need to either save at least P6, for the next 10 years to earn your first million.

Or you can also read this article about PERA earnings. The Pag-ibig MP2 Modified Pag-ibig II is a government-guaranteed voluntary savings program that allows you to save and earn tax-free dividends. It is very easy to open a Pag-ibig MP2 account.

Just go to a Pag-ibig branch near you. You can start as low as P per month. However, it has a lock-in period of five years. According to Pag-ibig , the average dividend from to was 6. Earning your first million through the MP2 program may require you to save at least P5, Its offers tax-free earnings, and all contributions are sovereign-guaranteed. Employees, self-employed, voluntary members, and overseas Filipino workers can enroll and start contributing to the program.

Your contribution is divided into three components: retirement, medical, and general purpose. Bearing that in mind, you need to contribute at least P7, The SSS Flexi Fund is open to all overseas Filipino workers as a way to encourage them to increase their savings for retirement. Any Filipinos who have employment abroad can register at any local or international SSS branches. Once enrolled, they can pay any amount in more than their required contribution.

Any excess will be credited to the Flexi-fund automatically. This source says that the annual yield for SSS Flexi-fund is 5. Using this as our rate of return, then you must save at least P6, An exchange-traded fund ETF is almost the same as a mutual fund. At this rate, you would need to invest P6, Index funds are not for the faint of heart. They are invested in the top 30 companies in the Philippines , which are collectively called blue chip stocks or Philippine Stock Exchange index PSEi or simply called equities stock index.

As you can see, there are periods of volatility going up and then dipping down , and the general trend is upward. So how do you invest in index funds? LTNCD is offered to the public when banks need to raise capital that would be used to fund expansion or to increase their lending ability to their borrowers. Check this news report from Inquirer. You can do this by acquiring the retail treasury bonds or RTB.

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Let's take leather. That's all. Not bad? An increase of more than 1, per cent. Listen to Senate Document No. The Sixty-Fifth Congress, reporting on corporate earnings and government revenues. Considering the profits of meat packers, cotton manufacturers, garment makers, 49 steel plants, and coal producers during the war. Profits under 25 per cent were exceptional. For instance the coal companies made between per cent and 7, per cent on their capital stock during the war.

The Chicago packers doubled and tripled their earnings. And let us not forget the bankers who financed the great war. If anyone had the cream of the profits it was the bankers. Being partnerships rather than incorporated organizations, they do not have to report to stockholders. And their profits were as secret as they were immense. How the bankers made their millions and their billions I do not know, because those little secrets never become public -- even before a Senate investigatory body.

But here's how some of the other patriotic industrialists and speculators chiseled their way into war profits. Take the shoe people. They like war. It brings business with abnormal profits. They made huge profits on sales abroad to our allies. Perhaps, like the munitions manufacturers and armament makers, they also sold to the enemy. For a dollar is a dollar whether it comes from Germany or from France. But they did well by Uncle Sam too.

For instance, they sold Uncle Sam 35,, pairs of hobnailed service shoes. There were 4,, soldiers. Eight pairs, and more, to a soldier. My regiment during the war had only one pair to a soldier. Some of these shoes probably are still in existence. They were good shoes. But when the war was over Uncle Sam has a matter of 25,, pairs left over.

Bought -- and paid for. Profits recorded and pocketed. There was still lots of leather left. So the leather people sold your Uncle Sam hundreds of thousands of McClellan saddles for the cavalry. But there wasn't any American cavalry overseas! Somebody had to get rid of this leather, however. Somebody had to make a profit in it -- so we had a lot of McClellan saddles. And we probably have those yet. Also somebody had a lot of mosquito netting. They sold your Uncle Sam 20,, mosquito nets for the use of the soldiers overseas.

I suppose the boys were expected to put it over them as they tried to sleep in muddy trenches -- one hand scratching cooties on their backs and the other making passes at scurrying rats. Well, not one of these mosquito nets ever got to France! Anyhow, these thoughtful manufacturers wanted to make sure that no soldier would be without his mosquito net, so 40,, additional yards of mosquito netting were sold to Uncle Sam.

There were pretty good profits in mosquito netting in those days, even if there were no mosquitoes in France. I suppose, if the war had lasted just a little longer, the enterprising mosquito netting manufacturers would have sold your Uncle Sam a couple of consignments of mosquitoes to plant in France so that more mosquito netting would be in order.

Airplane and engine manufacturers felt they, too, should get their just profits out of this war. Why not? Everybody else was getting theirs. Not one plane, or motor, out of the billion dollars worth ordered, ever got into a battle in France. Just the same the manufacturers made their little profit of 30, , or perhaps per cent.

And the stocking manufacturer and the uniform manufacturers and the cap manufacturers and the steel helmet manufacturers -- all got theirs. Why, when the war was over some 4,, sets of equipment -- knapsacks and the things that go to fill them -- crammed warehouses on this side. Now they are being scrapped because the regulations have changed the contents.

But the manufacturers collected their wartime profits on them -- and they will do it all over again the next time. One very versatile patriot sold Uncle Sam twelve dozen inch wrenches. Oh, they were very nice wrenches. The only trouble was that there was only one nut ever made that was large enough for these wrenches.

That is the one that holds the turbines at Niagara Falls. Well, after Uncle Sam had bought them and the manufacturer had pocketed the profit, the wrenches were put on freight cars and shunted all around the United States in an effort to find a use for them. When the Armistice was signed it was indeed a sad blow to the wrench manufacturer. He was just about to make some nuts to fit the wrenches.

Then he planned to sell these, too, to your Uncle Sam. Still another had the brilliant idea that colonels shouldn't ride in automobiles, nor should they even ride on horseback. One has probably seen a picture of Andy Jackson riding in a buckboard. Well, some 6, buckboards were sold to Uncle Sam for the use of colonels! Not one of them was used. But the buckboard manufacturer got his war profit. The shipbuilders felt they should come in on some of it, too. They built a lot of ships that made a lot of profit.

Some of the ships were all right. The seams opened up -- and they sank. We paid for them, though. And somebody pocketed the profits. That is how the 21, billionaires and millionaires got that way. It is quite a tidy sum. And it went to a very few. The Senate Nye committee probe of the munitions industry and its wartime profits, despite its sensational disclosures, hardly has scratched the surface.

Even so, it has had some effect. The State Department has been studying "for some time" methods of keeping out of war. The War Department suddenly decides it has a wonderful plan to spring. The Administration names a committee -- with the War and Navy Departments ably represented under the chairmanship of a Wall Street speculator -- to limit profits in war time.

To what extent isn't suggested. Possibly the profits of and and 1, per cent of those who turned blood into gold in the World War would be limited to some smaller figure. Apparently, however, the plan does not call for any limitation of losses -- that is, the losses of those who fight the war. As far as I have been able to ascertain there is nothing in the scheme to limit a soldier to the loss of but one eye, or one arm, or to limit his wounds to one or two or three.

Or to limit the loss of life. There is nothing in this scheme, apparently, that says not more than 12 per cent of a regiment shall be wounded in battle, or that not more than 7 per cent in a division shall be killed. Who provides the profits -- these nice little profits of 20, , , 1, and 1, per cent? We all pay them -- in taxation.

It was a simple manipulation. The bankers control the security marts. It was easy for them to depress the price of these bonds. The bankers bought them. Then these same bankers stimulated a boom and government bonds went to par -- and above. Then the bankers collected their profits. If you don't believe this, visit the American cemeteries on the battlefields abroad. Or visit any of the veteran's hospitals in the United States. On a tour of the country, in the midst of which I am at the time of this writing, I have visited eighteen government hospitals for veterans.

In them are a total of about 50, destroyed men -- men who were the pick of the nation eighteen years ago. The very able chief surgeon at the government hospital; at Milwaukee, where there are 3, of the living dead, told me that mortality among veterans is three times as great as among those who stayed at home. Boys with a normal viewpoint were taken out of the fields and offices and factories and classrooms and put into the ranks.

There they were remolded; they were made over; they were made to "about face"; to regard murder as the order of the day. They were put shoulder to shoulder and, through mass psychology, they were entirely changed. We used them for a couple of years and trained them to think nothing at all of killing or of being killed. Then, suddenly, we discharged them and told them to make another "about face"! This time they had to do their own readjustment, sans [without] mass psychology, sans officers' aid and advice and sans nation-wide propaganda.

We didn't need them any more. So we scattered them about without any "three-minute" or "Liberty Loan" speeches or parades. Many, too many, of these fine young boys are eventually destroyed, mentally, because they could not make that final "about face" alone. In the government hospital in Marion, Indiana, 1, of these boys are in pens! Five hundred of them in a barracks with steel bars and wires all around outside the buildings and on the porches.

These already have been mentally destroyed. These boys don't even look like human beings. Oh, the looks on their faces! Physically, they are in good shape; mentally, they are gone. There are thousands and thousands of these cases, and more and more are coming in all the time. The tremendous excitement of the war, the sudden cutting off of that excitement -- the young boys couldn't stand it.

That's a part of the bill. So much for the dead -- they have paid their part of the war profits. So much for the mentally and physically wounded -- they are paying now their share of the war profits. But the others paid, too -- they paid with heartbreaks when they tore themselves away from their firesides and their families to don the uniform of Uncle Sam -- on which a profit had been made.

They paid another part in the training camps where they were regimented and drilled while others took their jobs and their places in the lives of their communities. The paid for it in the trenches where they shot and were shot; where they were hungry for days at a time; where they slept in the mud and the cold and in the rain -- with the moans and shrieks of the dying for a horrible lullaby.

Up to and including the Spanish-American War, we had a prize system, and soldiers and sailors fought for money. During the Civil War they were paid bonuses, in many instances, before they went into service. In the Spanish-American War they gave prize money. When we captured any vessels, the soldiers all got their share -- at least, they were supposed to.

Then it was found that we could reduce the cost of wars by taking all the prize money and keeping it, but conscripting [drafting] the soldier anyway. Then soldiers couldn't bargain for their labor, Everyone else could bargain, but the soldier couldn't. So by developing the Napoleonic system -- the medal business -- the government learned it could get soldiers for less money, because the boys liked to be decorated.

Until the Civil War there were no medals. Then the Congressional Medal of Honor was handed out. It made enlistments easier. In the World War, we used propaganda to make the boys accept conscription. They were made to feel ashamed if they didn't join the army. So vicious was this war propaganda that even God was brought into it. With few exceptions our clergymen joined in the clamor to kill, kill, kill. To kill the Germans. God is on our side.

And in Germany, the good pastors called upon the Germans to kill the allies. That was a part of the general propaganda, built up to make people war conscious and murder conscious. Beautiful ideals were painted for our boys who were sent out to die. This was the "war to end all wars. No one told these American soldiers that they might be shot down by bullets made by their own brothers here. No one told them that the ships on which they were going to cross might be torpedoed by submarines built with United States patents.

They were just told it was to be a "glorious adventure. Thus, having stuffed patriotism down their throats, it was decided to make them help pay for the war, too. All they had to do for this munificent sum was to leave their dear ones behind, give up their jobs, lie in swampy trenches, eat canned willy when they could get it and kill and kill and kill.

Half of that wage just a little more than a riveter in a shipyard or a laborer in a munitions factory safe at home made in a day was promptly taken from him to support his dependents, so that they would not become a charge upon his community. Then, the most crowning insolence of all -- he was virtually blackjacked into paying for his own ammunition, clothing, and food by being made to buy Liberty Bonds. Most soldiers got no money at all on pay days.

Yes, the soldier pays the greater part of the bill. His family pays too. They pay it in the same heart-break that he does. As he suffers, they suffer. At nights, as he lay in the trenches and watched shrapnel burst about him, they lay home in their beds and tossed sleeplessly -- his father, his mother, his wife, his sisters, his brothers, his sons, and his daughters.

When he returned home minus an eye, or minus a leg or with his mind broken, they suffered too -- as much as and even sometimes more than he. Yes, and they, too, contributed their dollars to the profits of the munitions makers and bankers and shipbuilders and the manufacturers and the speculators made. They, too, bought Liberty Bonds and contributed to the profit of the bankers after the Armistice in the hocus-pocus of manipulated Liberty Bond prices.

And even now the families of the wounded men and of the mentally broken and those who never were able to readjust themselves are still suffering and still paying. A few profit -- and the many pay. But there is a way to stop it. You can't end it by disarmament conferences.

You can't eliminate it by peace parleys at Geneva. Well-meaning but impractical groups can't wipe it out by resolutions. It can be smashed effectively only by taking the profit out of war. The only way to smash this racket is to conscript capital and industry and labor before the nations manhood can be conscripted.

One month before the Government can conscript the young men of the nation -- it must conscript capital and industry and labor. Let the workers in these plants get the same wages -- all the workers, all presidents, all executives, all directors, all managers, all bankers -- yes, and all generals and all admirals and all officers and all politicians and all government office holders -- everyone in the nation be restricted to a total monthly income not to exceed that paid to the soldier in the trenches!

They aren't running any risk of being killed or of having their bodies mangled or their minds shattered. They aren't sleeping in muddy trenches. They aren't hungry. The soldiers are! Give capital and industry and labor thirty days to think it over and you will find, by that time, there will be no war. That will smash the war racket -- that and nothing else. Maybe I am a little too optimistic.

Capital still has some say. So capital won't permit the taking of the profit out of war until the people -- those who do the suffering and still pay the price -- make up their minds that those they elect to office shall do their bidding, and not that of the profiteers. Another step necessary in this fight to smash the war racket is the limited plebiscite to determine whether a war should be declared. A plebiscite not of all the voters but merely of those who would be called upon to do the fighting and dying.

There wouldn't be very much sense in having a year-old president of a munitions factory or the flat-footed head of an international banking firm or the cross-eyed manager of a uniform manufacturing plant -- all of whom see visions of tremendous profits in the event of war -- voting on whether the nation should go to war or not. They never would be called upon to shoulder arms -- to sleep in a trench and to be shot. Only those who would be called upon to risk their lives for their country should have the privilege of voting to determine whether the nation should go to war.

There is ample precedent for restricting the voting to those affected. Many of our states have restrictions on those permitted to vote. In most, it is necessary to be able to read and write before you may vote. In some, you must own property. It would be a simple matter each year for the men coming of military age to register in their communities as they did in the draft during the World War and be examined physically.

Those who could pass and who would therefore be called upon to bear arms in the event of war would be eligible to vote in a limited plebiscite. They should be the ones to have the power to decide -- and not a Congress few of whose members are within the age limit and fewer still of whom are in physical condition to bear arms. Only those who must suffer should have the right to vote.

A third step in this business of smashing the war racket is to make certain that our military forces are truly forces for defense only. At each session of Congress the question of further naval appropriations comes up. The swivel-chair admirals of Washington and there are always a lot of them are very adroit lobbyists. And they are smart. They don't shout that "We need a lot of battleships to war on this nation or that nation. First of all, they let it be known that America is menaced by a great naval power.

Almost any day, these admirals will tell you, the great fleet of this supposed enemy will strike suddenly and annihilate ,, people. Just like that. Then they begin to cry for a larger navy. For what? To fight the enemy? Oh my, no. Oh, no. For defense purposes only. The Pacific is a great big ocean. We have a tremendous coastline on the Pacific. Will the maneuvers be off the coast, two or three hundred miles? The maneuvers will be two thousand, yes, perhaps even thirty-five hundred miles, off the coast.

The Japanese, a proud people, of course will be pleased beyond expression to see the united States fleet so close to Nippon's shores. Han- was the devoted hus- Hospital. An eminent anthro- as light-hearted, cheerful and William H. Barila- pologist and ardent environ- compassionate by all her knew p. Wife of the late S. Barry Cappadona and his wife, Do- ro Bono. Loving father of mentalist, Jean lived the prin- her.

She provided loving sup- Cadigan, and sister of the late reen, of Waltham, Nancy L. Ric- Funeral Home, 4 Common St. Funeral mass is Miriam Bullock. Cadigan of Natick, of Waltham, George T. Cappa- Thursday, 10 a. Patrick Mark Bono and his wife Mau- serving lands for conservation. Cappadona Brangiforte and her husband and during her lifetime she for 24 years. She was an indomi- her grateful children Christine table researcher who came to Kevin and Christian Cadigan, C.

Grandmother Bono, and Marissa Brangiforte. McElroy and Bono of Medford, and the late remained for 47 years, settling children Dan, Corey, Jainna, as many nieces and nephews. Natalie DeLuca. In graduation from the Lynn Hos- drew J. Ricci, George E. Ronald was tribution to the preservation of nations can be made to the and served in Philadelphia dur- E.

Laible, Laura L. Hannigan, a Korean War Veteran, having the Utku language. Brennan and her hus- served in the US Army. He later Fellow of the Royal Society of Association. Visiting hours will the Nahant Public School Nurse band, Patrick, Marisa A, Jeffrey went on to be the proprietor Canada and received a Lifetime be held from 8 am am on for many years. Memorial con- P, James T. Jerome A. Achievement Award by the So- tributions may be made to the and Nikki C. A Mass tion, Dept.

Great-grandmother of prior to his retirement. A visita- anthropology. Burial will follow in Hobe Sound, FL. In later years she enjoyed 29th at 11am. Waltham and the late Jerome, merly a long-time resident of pm. Also North Andover, passed away will take place the following friends and neighbours who survived by many nieces and peacefully on August 4, , would often stop in for a visit nephews.

Family and friends day at St. Burial will and help her out with chores. Donations, in Ron- conversation, and was known cer. She recently said Child Austin. He was raised in ease Assoc. Burial the next 60 years together, rais- Jean was predeceased by her will follow in Calvary Cemetery, ing their four children in North parents, Margaret Worcester Waltham. Memorial donations Andover.

She is survived by her Church, River St. Burns, died peace- gust 2, For- teams for many years. He was close friends, colleagues and fully July Devoted wife mer longtime attor- also active in the parish of St. In neral Home, Freshwater Longley, who predeceased her. In drew White, nieces Elizabeth of, Gabriel R. Caggiano, Jr. To send a message of and his wife Roberta of Mary- bolstered him during his recent M. A lawyer, diplomat, business- www. Grew up in her husband Alfred of Weston.

Work for KLM dren, Nikki, Justina and Mary, Austin, of Manhattan, and his at home on July 25, of and loving brother of, Lou- daughter, Kerry and husband complications from dysphagia Airlines and as a travel agent. He was predeceased by 94th birthday. Disabled U. Marine Veteran Stauss. Wayland before moving to Margie leaves behind many Marion in Relatives and ven J. Clancy of Chappaqua, Third St. Ben- ret and George Brown and sis- to 8 p. Lov- Mahon of Lynn; her sister, Jill life at St.

Fay of Ja- 9 A. M, from the funeral home at am. Burial to follow David Siljeholm. Donations to Cranberry Hwy. Box , Box , www. Visiting hours are from 5 to 8 School, attended Camp Joy, p. Tom gave to each and everyone The family would Dr. Hamish C. Fu- Saturday, neral Mass in St.

In- One Independence Ave. Refreshments and light fare Boston, MA Funeral Home For directions and expressions of sympathy, www. Be- ously from Somerville, MA on ville, August 3, NY, July 31, August 4th. Beloved hus- loved wife of the late Silvio J. January 12, Devoted mother preceded in death by his fa- the late Kathleen of 74 years to Lilyn for 54 years.

Devoted father of Dennis R. DeSimone and his ther, Dr. Philip E. Doherty and Fitzgerald Goldy. Rall Gregoritch. He is survived by his Donna K. McKinney and her children: Jane A. Goldy and his mouth, Margaret R. Do- Denise A.

Pennucci and her hus- of Sterling. Philadelphia, PA. A Funeral ther of 2. A Mass of Christian nephews. In lieu lia, Jake and James. Jack was a with many nieces and nephews on Monday, August 8th at St. Union Sq. Burial to follow at stead, 69 High St. MA US Navy vet. Meeting Member. She was 93 years old. He was also a vol- the George L. For more her, lived with her beloved born Place, 50 Bay State Rd. Funeral Relatives and friends are invit- dohertyfuneralservice.

Funeral Mass in St. For obituary day, July 31, at the age of Stallworth. Her family moved Reading, MA. Relatives and friends kindly to Alabama where her mother, invited. Visiting hours Sunday and directions, please visit: 27, after a brief illness.

Beloved son of Michael A. Interment Needham www. He was employed footsteps, matriculating at the same university and receiving bridge, Aug. For for cooking and feeding oth- a degree in Home Economics. Spada Soon thereafter, Dorothy met bia. Loving mother of Anna directions and guest book: ers.

The land Patriots and professional daughter of Oreste and Bertha wrestling. He loved music of all men. They were married in band Luis Arais and the late George F. Hare had been an Needham bage. Funeral from the Mann area resident all her life. She Church, Norfolk St. Sister of the late Richard.

Visiting hours niece Lucia Kolk of Arlington; ing her divorce from Milton in wife Janet, and Stephen Hare Also survived by four grand- many aunts uncles and cousins; Monday p. Interment St. Guestbook and his wife Kimberly. She will children, Melissa and her hus- and many wonderful friends. Armed with her ambition, Dot- also be missed by her three band Billy, Alexis, Soren, Juliet, Funeral services will be private at mannandrodgers.

Family and and one great-granddaughter, followed by burial at the Hing- in Rehabilitation Counseling friends are invited to call on Ava. A Memorial Mass will be ham Cemetery. In ers, please make donation to Tuesday from pm to held in St. A tives and friends are kindly in- before moving to Dedham. Francis Church in Medford, may be made to the Dana Far- an organization of your choice.

Online condolences tribution Services, 10 Brookline and hard working; she was em- ployed for over 15 years with online condolences, please visit and Social Policy in Consulting can be shared at: www. Place West, 6th Flr.

Dorothy Frauen- magliozzifuneralhome. Lustra Cleaners. Kaedyn Digou, all of Dedham. A celebra- Niles Parker Gowell. Sister of Pris- Crittenden. Critten- Commission Advisory Board. Also survived and her daughter Jane M. Crit- Memorial, Boston, MA.

Sister of Rosemary S. Son of the late extensively to countries includ- while living in her own home of Jim was born great grandchildren. Services until she passed. A Funeral Ser- on April 29, , in South will be private. Memorials may Arthur J. Shan- ing Canada, China and even vice we be held on Tuesday at non Duggan. Duggan of Rochester and gal to do so. Uncle sued another life-long passion, Tuesday, 9 to 11 AM.

Burial will of Stephen, Susan, and Laura. She was lead writer in of Boston on June 25, , at tal. To share a memory of Ger- follow in Ridgelawn Cemetery. Burial was at St. He was a Eaton Funeral Home ary and online guestbook, shall St. Hospice Home, 65 Chilton St. Dottie is survived by her daugh- Cambridge, MA She lost he explored Native American T. Curran DiPerri. He loved sports, playing Rev. James M. DiPerri, Pastor of 11AM. Jim was a vora- band, Mark, of Longmeadow services or calling hours.

The cious reader with an amazing and Mary Theresa DiPerri of family suggests that a Tribute memory for facts. He loved his- South Boston. El- Aug. Loving father of An- gust 12th from 4 to 7 p. A Lawrence of Framingham and Freedman, he was the husband 8, Father of Rosemary long career in investment and Nashua, NH. Mitchell of Up- In , after several years as of Waltham.

Great-grandfa- ebrant. Burial Deutsch. Army during WWII. Broad- he was a true New Englander. In , Jim and friends. Services will be private. Entombment with Contributions in his name may Grande. Also survived by his Military Honors in Mount Au- www. Relatives International Immigrant Center, C. Danvers Square and friends respectfully invited MA Over the years, he was ald and her husband Anna K. Lee and John E. Fla- ington St. The Phil of Malden. Sloan and Her ment.

For complete obituary among others. Jim and Carol Doane. Calling Hours will be Colum J. Flaherty and His Wife www. Doherty ton. Relatives Medford, Mary E. Devlin and Satterlund Hayes of Boston and and friends invited to attend. Late Vet- ough, and the Late Regina M. Flaherty and Florida. Jim is survived by his ers, donations may be made, John E. Flaherty Jr. For more information, Nephews.

He was pre- tive. Funeral from the Wm. Broadway at H St. Wellesley, passed away on July 30th, He was 89 years old. Jim had a wonderful sense of humor. His Of Somerville, August 4th. Be- Funeral Mass in St. Devoted Church at 10 AM. Relatives and Friends kindly invited. Visit- liam H. Gleason and Mildred Roberts Gleason. Beloved hus- Retired Assistant Clerk Magis- Visit www.

Loving father business, Gleason Engineering Boston from pm. In , he Commonwealth Ave Chestnut seph of Melrose. Bill abeth Donofrio; Daniel, Marc mond B. Rosaria Donofrio. Also survived by many nieces, Share your Club of Wellesley for 33 years. Predeceased by his brother, Robert Dodge and memories. Gloucester, a sister, Janet Nolan of So. Yarmouth, a daughter- in-law, Carol Gleason and three learned and how they hope to be remembered.

She was born to Somerville, at 10 AM. Relatives Home, the Great Rd. Visiting hours from PM. Services will tery, Shawsheen Rd. Visit boston. Lifetime today. It can make High School. She was married on Monday, Aug. Ruth is survived Grove Cemetery, Medford. Me- at The First Parish in Bedford, there will be no visiting hours, by her beloved three chil- morial contributions may be 75 the Great Rd.

Interment will be in talkofalifetime. Woodlawn Cemetery, Welles- grandchildren and her brother, St. To leave Francis House Homeless Shel- ley. For online condolences and Robert Filler. Her funeral will a message of condolence, visit: ter, at www. Francis House, www. Funeral Home, 61 Middle St. Of Winthrop, August 4, Devoted son of the Barbara E. Crombie Beloved husband of late Joseph and Albina Jacques.

Devoted Evilo E. McGinnis Ciampa Ruggieri. Dear father of Christine Livingstone. Devot- brother of Phyllis Crow- M. Livingstone, Jr. End, the late Vincent Ruggieri Thomas F. Jacques and his com- and his wife Zuzana of Andover, and Lucia Picceri. Ribeiro of Reading, survived by many nieces and ven H. Jacques of Winthrop, and Tami J. Corkery and her and Laurie A. Meade and her nephews. Joseph Church, 68 Stasio and Robert Jacques. Relatives and and nephews. Kirby Funeral died peacefully in the hospital min Corkery.

A funeral service, Alexander Jr. Retired Dietitian on July 8, in Boston, Mas- 79, died surrounded by his to attend. Visiting hours Tues- Home, Winthrop St,. Cemetery, Medford. Late re- neral Mass in St. Relatives and friends Nave and his wife Kristin. Lov- Drug Co. Relatives and friends dren, Jarred Charles Kennedy are invited to attend. Dear sister of the late End. In lieu of tian Bradley Kennedy, Kather- pm.

Burial is private. Donations in her and served under Gen. Francis served in the Massachu- Ernie proudly served his 92nd St. He was a life member She is preceded by two of her U. Air Force. Prior to his retirement nedy and Bradley Grant Ken- johnbdouglassfuneralhome. For guestbook and directions, Ballycastle, Antrim and his please visit Shepard. Beloved Winthrop ence Tilford and Mollie Grant.

Roscommon, Ireland. On August 2, , graduated in with a BA erett. Funeral from the Mur- MacClary Russo. She ing family. Bud is survived by Wednesday at 9 am followed ton and Johanna married Eugene C. Kennedy Jr. Dear July 24th, At his 50th 10 am. Visiting hours on Tues- comed three children into the berly and James Drolette of day from 4 to 8 pm.

Matthew Dill. Returning murphyohara. Predeceased by sis- cation and always encouraging and James John Drolette and he married the love of his life, ters Maria Filippa, Rose, Jose- them to pursue their goals. After and Michael. He graduated remembered for her easy smile, as of Burlington and Elaine Ci- the birth of his daughter, Leslie from Waltham High School, love of knowledge, and great polla McKenna of Arlington, and attended Boston College sense of humor.

A Navy A lifelong performer, Sallie ap- nephews. Funeral urday, July 9, at home. Married ing, the stage, and entertain- pm and the funeral Mass AFB. She is will be at St. MA, educated at St. Dom Sav- er, grandmother, and great- Tuesday, August 9 at am. In in microbiology from UMass, her family. She will be dearly Inc. Private ceremony. Joe served in Vietnam Fraternity. For on mission planning at Hickam Of Malden, August 5th. Loving obituary, please visit: www. In his Glinner and her husband Da- technology and business devel- voted wife of the late Anthony 20 years of service, he worked vid of Wilmington.

Devoted opment. He even formed his F. Loving mother of in many roles from navigat- son of the late Anna Grogan own medical imaging and light Richard A. Dear sis- trip to China before Nixon, to and Chloe. Dear brother of Of Saugus, August 3. Loving laparoscopic surgery. Little and the late Albert DiFlumeri. He is also survived Lambiase. Also survived by ally building McNeill Real Es- by many nieces and nephews. He returned Jack was raised and educated and Anthony Sablone.

Survived many loving nieces and neph- ern Europe, Japan, Ukraine, ews. Family and friends are to his original profession at in Charlestown. He has been a by many nieces and nephews. Russia and Mongolia. During cordially invited to attend the Solano Community College. Cag- He loved teaching real estate 45 years. Spadafora London based on his extensive Home Winthrop St. Beloved him to retire from teaching. He Korean War.

The funeral will wife for 63 years of Robert W. Visiting will be neurial spirit that rarely rested. Mother of Kathleen A. Interment positive attitude and a strong Woodlawn Cemetery, Everett. John the Evangelist Church, of the late Mary Walsh. Rela- Winthrop, at AM. Joe is Centre St. For directions and edge technology for laparo- throp Cemetery. Spadafora Fu- even in the midst of his endless Joslin Clinic at www. Not online guestbook go to www. Square, Concord at 10 am.

Services will conclude with tance of education, but he was etery, Concord. Visiting hours travel with his children, partic- Winthrop be held on Tuesday August 9th will be held at the funeral McNeill Campanella, Rebecca ularly during their time in Eng- from 7 to 9 pm. His family favorites…the in her memory may be made to from PM.

Jude Place, Memphis, TN. Box , An- Black Forest, swimming in the For obituary and online guest book visit Valley National Cemetery. In dover, MA After re- the direction and care of Twin turning to the U. Lavigne Caring for families since www. Lavigne and wife Lisa of Hingham. Adored un- pelsMortuary. Nathan is also survived Of Wollaston, July 30, , mained a prized pastime and by grandparents, aunts, uncles formerly of East Sandwich and very few days were ever too and cousins.

A Mass of Chris- born and raised in Roslindale. Be it business tian Burial will be celebrated Tim died after a brief illness. Mark Church, Son of Daniel J. Visiting ceased, and predeceased by his 96 years, formerly of West One of four children born to hours Tuesday PM, from brother, Michael.

For infor- Shanahan. Burial will be private. She all of Cork, Ireland. A Memorial Lamonica Meador. De- mother of Steven and his wife Mass will be held at 11 a. Shanahan Elaine of Melrose and and Samuel Karlin. Son of late Dorothy T. Devoted Claire Castro. Loving great-grand- Mrs. Also sur- be held at the Stanetsky Me- Cemetery, Lynn. Donations may be Of Tewksbury, died Aug. Beloved daughter of life to be held at the American day evening.

Directions Irons Sharkey. To bury; loving sister of James and leave a message of condolence, his wife Karen Richardson visit: www. Visiting hours Beloved daughter of the late Monday, Aug. Devoted sister of Shiela M. Son of the late Joseph ert of Holbrook, Rita M. Pilla of Of Melrose, August 4, Her fu- and Mary Daley McKenzie. Mogan Jr. Pasquantonio thew Ransom of Foxborough.

August 6, John J. McKenzie, Jr. Inter- wood. In lieu of of Brantford, Ontario, and the Sherman St. The Light- can McKenzie. Also survived by many nieces, nephews, great nieces and nephews. Funer- respectfully invited to attend. Visiting hours Sunday pm. Late employee Comm. Also survived by 20 grandchildren and 15 great- grandchildren. Retired custodi- their support and care.

Rel- an at the Dedham Police Dept. Interment Highland Cem- Main St. Late retired Monday, August 8 from pm, lowed by a funeral service in online guestbook at employee of Joseph J. Relatives and Honor your loved one with a to Most Blessed Sacrament friends kindly invited. Inter- boston.

Church, Main St. For online tribute, or Mall Rd. Suite , Burlington, for details. She was living as Jane, vocate and painter. She died Ju- dience or cruelty that she could ing her therapy. Her not remember committing, she ended. She would be baffled by a Sizemore, an electrician, began. Her father was Doctor Acie She never finished high school. She was the devoted wife of David tell viewers that the incredible premature.

The patient whose Costner, a farmer who later According to her memoir, peared, usually in groups of Shoolman who died in January. As doctors learned more and raised in Hungary and It- aly, Isa-Maria had survived the true story — a facsimile of actu- ported to tell, Chris Costner mother, the former Zuline Hast- tive, Elen Sain Pittillo, she was about dissociation, the pre- indignities of war and thrived al events.

Sizemore, had a much grimmer ings. She met David Adapted from a book by two time of it. She endured a frag- Psychiatrists believe that mance with a sadistic man. Thig- mented identity until the mid- dissociation is a defense mecha- A severe headache would alities with vastly different the United States Navy.

Cleckley, s, seeing several psychia- nism: a reaction to severe child- announce the emergence of a traits gave way to an under- ning appearance, he was very quickly taken by her beautiful t h e m o v i e s t a r r e d Jo a n n e trists after Thigpen and Cleck- hood trauma or prolonged different personality. She began standing that the divides in a vibrant personality.

The love they shared at their marriage Woodward, who won an Acade- l e y, u n t i l , i n t h e c a r e o f a physical, emotional, or sexual seeing Thigpen in Augusta, Ga. In Ms. The Shoolmans lived in Brigh- assuming housewife who suf- personalities — more than 20, it the fragmentation began when she began alternating between Some of her personalities ton and Newton prior to set- tling in Framingham in In the Post interview, as an interior designer in the MetroWest area, and, at home, the psychological malady that derful it is to go to bed at night some incidents, including her party girl Eve Black.

In one epi- Ms. She and Da- vid loved animals, particularly multiple personalities. Naples, FL. Isa-Maria will be most remembered for her radi- Eve Black, and Jane, was cured; a productive and relatively se- As she grew older, she would pleasant and sensible young Tsitos began treating her in ant charm, devotion to friends, , and by she was no and her genuine warmth and generosity.

August 4, Street at Natick Common, Tues- Datta Bhaumik. Father of Relatives and friends are en- Tina B. Melpignano and her Louise Edwards, and Becky couraged to attend. Framingham, MA For the guestbook and directions, Bhaumik. His funeral service will be held on Tuesday, August Sizemore wrote a follow-up please visit www.

He from P. In later years she was a is survived by the love of his neral home. Devoted father of may be made to the Alzheim- loved father of Tim ther of Karen A. Stefani people with mental illness and Sister Mildred Louise of Mt. Vincent, Wellesley Hills, on Canton. Son of Daniel E. Souza, St. For Bridget Wyatt of Australia.

Welch an accomplished figurative July 28 in Halifax, Scotia. A Sis- Sr. Welch ter of Charity for 63 years, who Janice L. Brother www. Survived by many loving and his wife Magali of Water- Nova Scotia. Beloved daugh- ty. He is survived by his loving nieces and nephews and long- bury, VT. Sister of the son, Amy Wiederhold, and Em- Tong.

Predeceased by his par- great grandchildren. Also survived by many nieces and nephews, as Funeral Home, Washington brother David, and niece Dr. Bud was an Also survived by several nieces Congregation. Visiting hours at pm. Funeral service at the Con- entrepreneur opening two res- and nephews and his dear Mt.

Vincent, Oakland St. Paul was a gust 8 from am with Thursday morning at A al Canton Corner Cemetery. Greeting peri- Heart Recipient. He was an ebrated in Mt. Clinton Township, with a labs throughout the years. Fu- St. For complete obituary and rounded by his family. Veterans Association. Share a day, August 9, at 10 AM. Mary of the Nativity Church, 1 www. Relatives and friends re- and her husband James, and spectfully invited to attend. Viewing Robert, William, and Joseph.

Also survived by 15 cherished grandchildren, 22 loving great- www. Col, way, Roslindale at 10AM. Onge, passed away at day, August 8 from 4 to 8PM. Joe is also survived by his son, Will St. His dearly loved grandson, Will Memorial Fund.

She Interment will be in Saint Mi- botics and plant changeovers. She was possessed a kind heart and no- St. Onge, Jr. Joe lived a remarkable life of chael Cemetery, Roslindale. Braintree, where she graduat- ble spirit. Beloved wife of the late Myron Snyder. Devoted wide-ranging pursuits and ac- Joseph Russo Funeral Home search and work he did on the electric car, along with the four ed from High School. She had He was Before starting with GM, the past 33 years. She Adrian Share. Cherished grand- ently.

Wilson, Jr. Loving great- II in the European Theatre. Bourke mar- ing role in opposing the com- gins. After complet- is survived by l0 grandchildren munist system — action that week , and fought through and many great grandchildren. Adams and her Springs, FL. Joe led a reconnaissance ing the sunsets. DeRosier of Halifax. She was the sister of the late George many Poles. Thunderbolt Division, wife of 17 years, Jill Roeting, A.

Thornton, his three beautiful mouth. Frances loved ballroom Macharski, who had been close children, Kathi Lyon, Kristen dancing and bowling. Visiting hours by the French government. Af- Thornton, his siblings — Diane will be at the Mortimer N. Beloved hus- returned state-side in October of the late David E. He Wednesday, August 10th from 4 to 7 PM.

A Funeral Service will hospital in Krakow to pray for of He remained in the Mother of Diane M. Martin of also leaves behind four grand- band of 52 years to the late Army as a reservist and nation- Naples, FL and the late Glo- children, Sage and Clare Lyon, be held at the funeral home him during a visit last week to Aristea Tziallas Sougarides. Grandmother of Nicole M. Martin of Vail, CO. Bob also AM. Burial will follow at Blue Poland. Lov- leaves his mother-in-law Mar- Hill Cemetery, Braintree.

Me- ing father of Paraskevi Voula Military Academy. Bob He had a Feake Cemetery, Waltham. Higgins, how things worked, and could and directions, please visit mother-in-law Loretta Giblin Louise is predeceased by all of Cardinal Stanislaw Dziwisz, George F.

Roeting, and his father her siblings. She is also prede- Francis said that Cardinal study and master many skills, Robert T. Thornton, Sr. Visiting ing. He spent count- She is also survived by 9 grand- 8pm. Avow great-great-grandchildren. On- had been in the war and rang- ing far and wide across Europe, Asia and Latin America.