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Insurance Company of New York

RICHARD A. MCCURDY, President

is now fifty-nine years old. It has seen two complete generations of men pass away. There is no guess-work as to its methods, there is no doubt as to its results—both have been proved.

Under the Policies of this Company you can provide
FOR YOUR DAUGHTERS,

FOR YOURSELF. An immediate income for life.

An Endowment for early retirement.
A pension for old age..

FOR YOUR WIFE. A definite amount at your death, and
fixed payments for her life.

FOR YOUR SONS. Money to start in a business or

profession.

A fund which cannot be touched and
from which an income is assured.

Marriage settlement money, or

an ample income for life.

FOR YOUR BUSINESS. Additional capital at your own
or partner's death.
Instant cash when most needed.

FOR ANY CHARITY. Such a sum as you would care to leave it

The history of the Company has been an unbroken record of progress.

INCOME IN 1901,

1902

ASSETS JANUARY 1st, 1902

$65,624,305.51 $352,838,971.67

The Mutual is the largest, strongest, most progressive life insurance company in the world. It writes the most liberal polleles for men o women. It gives the highest guarantees. Its rates are lower than those of any of the other great companies. The Mutual Lite has returned to policy holders the enormous sum of

$569,159,480.34

For further information as to plans, rates, etc., call on or address

WILLIAM B. CARLILE, Manager

Telephone Central 2007

Tribune Building, CHICAGO

Swift's

Premium Hams and Bacon

Their quality is not surpassed, and their flavor is mild,
delicate and appetizing. Ask your dealer for them.

Swift's Silver Leaf Lard
never varies in quality. It is America's Standard.
All Swift's Products are U. S. Government Inspected.

Swift and Company

Packing Plants at Chicago, Kansas City, Omaha, St. Louis, St. Joseph, and St. Paul
Over Two Hundred and Fifty Branch Houses in the United States

We Advocate the Establishment of a Juvenile Court Law for Every State in the Union.

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The Stock Investment Trading Company

269 Dearborn Street, CHICAGO

Incorporated and organized for the purpose of buying and selling active investment securities listed on the New York Stock Exchange

DO NOT risk Margins in Speculation.

BUY SHARES

in the Stock Investment and Trading Company and reap the benefits resulting through trading in Active Stocks, and at the same time enjoy the security afforded investors. Shares $10.00 each. Correspondence solicited.

Address

The Stock Investment Trading Company

269 Dearborn Street, CHICAGO

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New York Office 33 W. 24th Street.

VOL. III.

Published by the Visitation and Aid Society, 79 Dearborn Street, Chicago, III.

SUMMER NUMBER, AUGUST, 1902.

Keep the Bright Side Out.

The world is full of shadows,
We see them everywhere;
So many hearts are aching
And fainting with despair.
They see so little sunshine,

They're troubled sore with doubt,

So let us, fellow-pilgrims,

Just keep the bright side out.

So many hearts are weary

And fainting by the way;

A look or accent cheery

Would lift them up to-day,

And though the dark'ning shadows
Have found our lives, no doubt,

Let us, my fellow-pilgrims,

Just keep the bright side out.

No cloud so dark and threatening,
But may a rainbow hide;

No trouble is so bitter,

But has its shining side.

Help lift another's burden,

Smile if you cannot shout; Let us, my fellow-pilgrims,

Just keep the bright side out."

-Anna L. Dreyer.

CHARITY NOTES.

A $30,000 orphans' home will be erected by the Odd Fellows near Sunbury, Penn. The organization has a 187-acre piece of property and will erect a four-story fireproof structure.

In order to impress upon the public the iniquity of child labor, the organized labor bodies of New Jersey will, according to dispatches from Trenton, exhibit through the state twelve children whose ages range from 8 to 10 years, taken from the glass factories at Minatola.

A new building for the Colorado State Industrial Home for Girls, which has been formally accepted by the governor and the Board of Control, cost about $25,000 without the furniture. It is to be used chiefly for a dormitory, but there are sewing rooms, and other apartments.

Attorney-General Sheets of Ohio has framed an opinion to the effect that the inmates of a children's home may attend the public I school in the district in which they live. The trustees of one of the county houses had ruled that the children in the institution must attend the classes in the building.

Mr. Lutton, steward of the Boys' Industrial School, of Lancaster, Ohio, tendered his resignation to take effect July 15. Captain Will N. Hilles, of Columbus, a brother of former Superintendent C. D. Hilles, succeeds him. Captain Hilles served during the Spanish-American war as a sergeant of Troop "D," First Ohio Cavalry. Since that time he has been an officer in the Fourth Regiment.

The children of Cleveland, O., who receive summer outings are sent by the Fresh Air Camp, and are directly under the management of Director Lucius F. Mellen. Mr. Mellen this season has taken sixteen little folks to Edison, a party of twenty-eight to New London and ten children placed with farmers in Perry and Madison. Fifty shouting, merry "dressed up" boys and girls were taken to Bellefontaine, near Sharon, Pa., where the homes of forty farmers have been opened to the eager children.

"The Juvenile Court of Cleveland is not endangered by the Supreme Court's decisions," said Judge Callaghan, of the In

Western Office. Portland, Oregon

NUMBER 7.

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solvency Court. "The Supreme Court, Dec. 3, 1901, declared the Insolvency Court constitutional, as section 1, article 4, of the constitution provides that the general assembly may establish special courts in addition to the regular courts. At the same time, the court said that additional jurisdiction could be granted to the Insolvency Court. The Juvenile Court is just additional jurisdiction."

Abraham Slimmer of Waverly, Ia., who is reported to be worth $10,000,000, intends to retire to his woodshed, where he is fitting up an office, and spend the rest of his days in giving away his wealth. At the age of 73 Mr. Slimmer believes he has found the best method of beneficence and sharply criticizes the ways of Rockefeller and Carnegie. In the last few years this philanthropist has given many thousands for hospitals and homes for the aged. He has hospitals all over the Middle West, and rarely does he permit it to be known that he is the donor.

Residents of the aristocratic section of Mount Holly, N. J., made successful fight against the establishing of a colored industrial home on Main street of that city. The Philadelphia Industrial Bureau contemplated establishing an institution for improving the moral, intellectual and industrial condition of the negro. The property owners went to the extreme of transfering all the property for several blocks on both sides of the street to a trust company with the understanding that it be returned to its oiginal owners when the efforts of the charitably inclined persons to secure a site had been discouraged.

The regular two weeks' summer outings for mothers and children of Chicago under the auspices of the charitable organizations has begun. Last year over 1,500 country homes in small towns and farming neighborhoods within 100 miles of Chicago received more than 9,000 Chicago mothers and children. The principal camps near Chicago are: Camp Good Will, near Evanston, 100 mothers and babies; Dixon, Ill., 40 boys; Genesco, Ill., 64; Camp Commons, near Elgin, 50; Buena Park, 60; Rogers Park, 50; Bushnell, Ill., 65; Macomb, Ill., 170; Sag Bridge, near Evanston, 100; Ravina, thirty-five, and Dayton, near Ottawa, 35 boys.

NEW YORK
YORK WORK.

PHASES OF INSTITUTIONAL AND FAMILY CHARITY.

Homer Folks, commissioner of charities for New York, advocates, in general, placing out of younger children and institutional care for older children or those who have proven unfit for the former treatment or are left dependent at the age of 10 or 12 years. In a recent address before the summer school in philanthropic work, he said:

"The question is still a debated one, and we have not reached the progress toward its settlement which has been attained in other lines. For instance, an application is made to one society on one floor of the Charities building and the orphan is sent to a western farm, to take his chances in agricultural life. An application is made to another society on another floor and he is placed in a large institution in New York, indentured later on, and grows up amid the competitive conditions of city life. It seems hardly creditable that after working at the problem fifty or a hundred years so much should still depend upon the accident of application.

"Physically, family care is usually much preferable with very young children. With older children the advantages are about equal. Mental training before six or seven is largely a matter of imitation, and development in a family is much more rapid, normal and all around. When we deal with children from fourteen to seventeen there is often a distinct advantage in the more or less exceptional facilities for training to be had in institutions.

"The old idea was to put a child in an institution as early as you like, but get him out by fourteen, or a little older. Now, we do not want to put him in when he is young, if we can help it-we want to graft him onto some good family. If we fail in that or he gets adrift later, the thing to do is to send him to an institution and keep him there longer. The important factor in all this, however, is the men who are behind the institutions and make them what they are."

Mrs. Glendower Evans of Boston, in an address before the same school, called attention to what she termed "the critical period" in the institutional care of children, immediately after they leave the institution.

"Every institution," said she, "is preparatory to life, except hospitals for incurables or homes for the aged. The years when a child goes back to a community, to a new or an old home, which for some reason earlier proved a failure, are the decisive ones. No institution can get along without affiliating with some placing-out agency that will follow up the child and retain a supervision over him, or, better still, run such an agency itself. "Before 1892 the Lyman School left this in the hands of agents of the State Board of Charities. They reported as high as 90 per cent of our children doing well after they had left our school -a per cent similar to that claimed by many institutions to-day. It is more often the per cent of children which they know anything about.

"Upon independent investigation, in the case of children who attained their majority, we could learn of only 42 per cent who were doing well, 35 per cent had been in other reformatory institutions since leaving the school; of 23 per cent nothing could be heard. Those figures made a revolution in the methods of the Lyman School. They should carry home to institutions which retain no supervision whatever over the children which they have placed out. We were a reformatory institution and we asked ourselves what we had accomplished.

"To-day, the responsibility of our trustees covers the entire minority of boys committed to our charge. You cannot tell what you are doing when you are cutting the work in half, knowing the boys only when they are in the school and resting on good

wishes for the years they are out. You should say, 'This is my job and I'll be responsible for it.' If your investigations tell you you have failed, you had better go to digging trenches or doing fancy work."

The thiteen vacation schools and seventeen public playgrounds in Brooklyn are overcrowded and there are long waiting lists for privileges at both. Between 60,000 and 70,000 children wish to avail themselves of the opportunities offered by the summer schools. The piers, parks, swimming baths and roof playgrounds are also taxed to their limit. Boys in schools are taught basketry, weaving, chair caning, whittling, fretsawing, leather and Venetian iron work, cardboard construction or brush work. The girls are allowed to take up kindergarten work or domestic science, millinery, sewing, embroidery, knitting and crocheting. In Chicago where the schools are supported by voluntary contributions, $7,500 has been collected. This is sufficient to maintain only five schools and while there are more than 5,000 children clamoring for admission, there are accommodations for only 3,000 In Dayton, O., more than half the regular school enrollment attends the vacation school in certain districts. Instructors are needed in several branches, but some of the public schools teachers and others give several half days each week, paying their own expenses, and thus keeping up the schools.

The Board of Estimate of New York City has ratified the proposed salary schedule for the Children's Court and that court can now be organized and opened as soon as the building is ready. The building at Third avenue and 11th street, owned by the city, is being remodeled for the use of this court. The work is to be completed by Aug. 1.

Plans for a model children's village, similar to the George J. Republic and Allendale, overlooking the Hudson and promising to be one of the unique communities in America, have been made by the directors of the New York Juvenile Asylum. A tract of 268 acres of farm land near Dobbs Ferry has been purchased for the site. The plan is for a village on a farm land plateau on the east bank of the Hudson, and to include church, gymnasium, swimming pool, conservatory, power plant, schoolhouse, electric light plant, local water and sewer, apparatus, an office building, athletic field and cottages, one for each group of 20 boys and one for each group of 15 girls.

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