Omaha daily bee. (Omaha [Neb.]) 187?-1922, May 22, 1910, WOMEN, Page 5, Image 42
TIIE OMAHA'. SUNDAY- BEE: -MAT 22. 1910. Uome-Building: for the Industrious Wage Worker P!- iff v U '- v.. - j brzHm V L .u..:...-;"' k V cM RE you otie of the great wage earning army one of the bread winners who pay tribute to the landlord, reckoning the while that of your modest pay en velope it Is beyond tho range of possibilities for you to pay for a home from your savings? If so, pause right now nd suspend Judgment while you read and tudy this story wherein la set .forth tho evolution of a wags earner's cottage. I dinners who pay tribute to the t-rs erected. At these primitive hearth- 1 IWvFSi& IL 1 W -v A-AA" 1 1 ' laying for a home out of a moderate ,l lry thc days of high prices fur lounehold supplies may seem liko the ta.k of shoveling back tho sea with a pitchfork ; or tunneling the Rocky mountains with a I gimlet-but, listen to the story of T. J. ! Fltimorris. ji old-timer In the service of I The Omaha Cce, and you will readily agree that the example he has set in home-owning Is well worthy of emulation. Mr. Fitzmorrls has Just been awarded a ; prise by the Chicago Tribune for tho best article on ihe subject: "Mow We j Built Our Home." In that article, he tells In a concise manner Just how ho proceeded to make the start, and in con clusion he asserts, most emphatically that it does pay. Grlt, economy and Industry these form an Indispensable trinity, and In this age of building and loan atisociatlons und easy payment plans of lot selling, any salaried man of ordinary earning capacity may. If ''f" ipossesses this trinity, buy and occupy Siid eventually own a home. For many years Mr. Fltxmorris has been exchange editor of The Bee, but he begun ire as a printer. In those early days It was the custom of printers to take life as a Joke, and the pay envelope found Its way with unerring swiftness, as a rule, Into tho cash drawer of some near-by groggery. Mr. Fitzmorrls, however, was an exception to the rule, and at a time when his maximum earning power was about $100 per month, he laid the founda tion for his future achievement as a home builder. The prize essay on home owning, written by Mr. Fitzmorrls for the Chicago Tribune, Is as follows: "My father came to the United States in the early 60s, seeking liberty, opportunity, and a home. In Buffalo, N. V., where the family first settled, and later In Omaha, BONNETS FOR THE BABIES Demure Quaintness Their Character istic Now. -V SUMMER COATS ARE PRETTY, ALSO laanti Hradwear for Little Folk Particularly harming- This Year . Made of Lave, Lingerie and Delicate Straw. NEW YORK, May 21. The summer bon- neta for little folk are particularly baby ish and charming this year, and whether one wants to spend much or little money re Is really no excuse for buying an ly or unbecoming baby bonnet. The hugo ornate creations are things of the past, and a demure quaintness character lies the bonnets and hats designed for babies and wee women. For the very small girls the tiny close fitting caps are, of course, the thing, and auch delightful little caps there are; In surprising variety, too, when vne considers the small scope allowed to the designer, Borne of the prettiest aro made entirely of narrow real Valenciennes Insertion I set together by hand, bordered around the face by little frills of Valenciennes, lined with soft silk of very delicate pink :snjLt1ramed with little bows of narrow : plait liberty, matching the ties. Others are made of mull or other fine heer lingerie material In minute shirred tucks alternating with frills of the nar rowest real Valenciennes, while a two-Inch . b(,1(-r all around the face Is entirely 1 of closely set lace frills. Then there are the exquisite hand embroidered lingerie ', capa with lace merely around the edge. Some of the prettiest of these have an embroidered piece or flap turned back I flat over, the cap, Its scalloped and em broidered edge meeting the slightly fulled crown. Even after the first baby stage is past the round close caps may be worn, but ffor the babies of 3 or S year and' from that age to years there is much variety In the line of headwear. The close bonnets take on Normandy "towns or other piquant crown shapes itead of fitting the head closely and though some of the brims are snug and relieved only by a narrow softening frill of lace many models have broad full frills or poke brims. Ucwitchingly quaint and old fashioned some of these models are. seeming like Lilliputian rep licas of bonnets worn by our grand mothers. Diminutive coal scuttle shapes of white linen or mull finely corded are made be coming by soft lace frills Inside tho brim Mud brightened by knots and ties of ribbon. 4of much the same shape are other models such as the one sketched here, with wide frills of lace covering the brim and crown of shirring and lace. A lingerie bonnet with full wn delicately embroidered has a very ep frill brim, also embroidered, fall ing over and equally deep frill of lace. Adorable little aunbonnels are made of dalmlfc' sprigged dimity, the prettiest having a design of minute prim single blossoms in pink on a white barred ground. The bonnet may have a full Nor mandy crown or may be of ordinary sun bonnet shape, but with a wide flap folding back flat over the brim and bordered by little scallops buttouhcled in pink. The ripe of .the bonnet Is also scalloped and ft .ttonholed and . little pink ribbons tie 'across the back and form the strings. Attractive bonnet models In fine lingerie material have round crowns entirely tucked os shtrred and deep pointed flaps turning tack At uton the bonnet just over the eaJjfcJTnete flaps we beautifully a soon as family finances permitted, ground was secured and little family shel ters erected. At these primitive hearth stones the writer was taught the principles of home ownership, which he has prac ticed, encouraged, and advocated through out his mature years. "I have become a home owner by the old reliable route of working and saving. As a journeyman printer my wages averaged about 100 a month. A lot was purchased for 1000 on the Installment plan. The debt becamo a stimulus for greater effort, for fewer holidays, and the cutting out of youthful gayeties. In two years $700 of the debt wus paid off. "A new loan for $1,000 was negotiated at 10 per cent, with which the bulimce of the old loan was paid and the reiiiuining $S00 u?ed in building a single story cottage, :0(j36 feet, divided into five rooms. The building of this little snuggery wus In anticipation of marriage, and when we moved into It on our wedding day a mort gage of $300 was forgotten in the happiness of beginning married life In our own home. "Our income remained at the Bame wage figure. Various unforeseen expenses of family life stretched the payment of the mortgage over six years. When that was disposed of we began new plans. Our suc cess in paying off the debt ftrengthened confidence In our ability to ii a tulle a larger one. Our little house was regarded as a shelter, now we would build a 'real home.' "A competent and trustworthy architect was employed to draw plans for a two story frame dwelling of eight rooms and bath, full cellar, front and kitchen porches, and furnace heat. It Is cruciform in de sign, twenty-five feet wide in center with a depth of forty-eight feet. The contract price was $3,200. Furnace, fixtures, side walks, and other Incidentals ran the total up to $3,500. "The problem of financing the enterprise entailed much thought and investigation. Our cash resources were about $000, hence a $3,000 loan was necessary. A straight five year loan at 6 per cent could have been obtained, but no payment on the principal was permissible for two years, and In the succeeding years only on semi-annual in terest payment dates. "The straight loan, while attractive In hand embroidered and edged with narrow Valenciennes. ' ' .. Little clusters of artificial flowers or ribbon flowers appear upon some-of. the bonnets, chiefly upon those made of chif fon, silk mousseline and lace, and certain flowers have a babyish air, but many mothers oppose artificial flowers for baby wear despite the French designers' sanction of the association. Forget-me-nots, tiny rose buds or button rose, and pink-tipped English daisies are the favorite baby flowers when flowers are used at all and though other blossoms are seen Vipon French bonnets and hats none seems as appropriate as these three. BaDy Irish lace enters Into tho composi tion of some of the baby bonnets, and pretty, close fitting models are made with the round back or crown formed entirely of the finest real baby Irish laco made for the purpose, while the rest of the bonnet Is formed of soft frills of narrow Valenciennes. When the sn.all zrl is promoted to hats new possibilities open up before her. Lin gerie hats there are galore, many with the familiar full crown and shirred, coruod frilled or plain drooping brim, others made more on mushroom lines. Some of the latter In hand embroidered linen, made over a corded frame and trimmed In knots of ribbon and garlands of tiny flowers, are as dainty and charming as anything of fered, and the more usual full crown shape attains great variety through clever origin ality of detail. Some sweet simple little models in this class are made of swisx or lliun dotted in pink or light blue. The full crown Id un trlmmed, the brim Is scalloped and button holed In the color of the hat nnd falls over a frill of laco and liberty iu tho color of the dots Is folded round tho crown and knotted at the side. The Bimple hats In straw with bowl crown and brim that can ba turned down or rolled up sharply are In evidence again and are still among tho best of the simple Btiaw shapes. They are made, too. In cordtd lingerie with scarf bands of liberty or of gay Human stripe ribbon. Pretty little hat of this and other sim ple shapes aro mado up In supple, course straw braids, combining pink and white or light blue and white and are trimmed In ribbon and flowers matching the color in the ' straw. The gauze ttraws. light, fine and supple, as their name Implies, and almost aa easy to drape and handle as gaue Itself, are drup.d into full crowns for hats and bonnets and used mure plainly fur the brims, and these braid uro combined freely with chlflon, silk lnoubiiellno or lace. Some of the fine, lacy Tuscan braids are made up with' chiffon or mousseline i for the small irl' wear, and ior the girls of I or 7 years or mure are piquant bonnets or hats, dish-shaped, coming down close over the head and around the face, like many uf the bizarre small hats for grown-ups, and turned up at the bottom In the back so s to fit the back uf the luck comfortably. Two small girls on the avenue the other day wore such bonnets in rough, shiny, dark blue straw. From the edge of the brim a flat band of antique pruned , cotton lu soft,x dull blues and ruaa tones aiid white extended back upon the bonnet for at least five Inches, and at the back the bottom of the bonnet rolled up flat against the crown for a few inches and was facd with dull blue. The description doe not convey any Idea of the charm of the quaint little bon nets, and fddly enough the effect was ex tremely childish. bummer coals for baby girls come lu embroidered pique, embroidered linen and In many silk stuffs and light weight wool tns. Charming coals are made up In the corded silks and In light cloths of soft coloring, but the pique coat or the em broidered lingerie coat with silk slip is the daintiest thing for a first short coat. 7 ft Thos.cS.ribzmoppis : s3J I HI J I I r-- iLH J jrsiiiiiiiiii iiiiiinr'v 2IT interest rate, Imposed conditions as to pay ments which tend to discourage the payday thrift of the borrower. We chose instead a loan from a co-operative savings and loan association, an obligation calling for regular monthly payments of principal and Interest. The current interest rate of these associations in Omaha is 60 cents a month for each $100 borrowed, or 7.2 per cent a year, payable monthly. Our loan of $3,000 calls for an ' Interest payment of $18 a month. In addition we pay $15 a month on the thirty shares pledged for the loan. We may pay as much more as our means will permit. Payments of $100 or multiples of that sum may be made at any time, In terest ceasing with tho payment, and the whole debt may be canceled at any time the borrower turns In the cash. Such, TRIALS OF HANDSOmc HUBBY One of the Tribe Insinuates that v v ' the' "Homely Alone Are Happy. Ihe man who said lie mad discovered "how to be happy though marrled"dtd not tako into consideration the trials and trib ulations of the handsome husband. He fs "up against" some conditions and' circum stances which perjure his domestic happi ness 'and the peace of mind of his wife. For the handsome man Is bound to attract the attentions of other women and he is only a man, for the matter of that! People always look upon the - handsome man as the man who welcomes the attentions of women, and nine women out of ten will say : "Do look at- that handsome man on the platform,' Mabel. Isn't he a dear?" "He's married, though," says Mabel, with a curl of the Up and a sigh. "He isn't either!" comes the retort. "He's too swell looking for that." inui me man wim tne good looks, a good appearance and pleasing manners is the subject of much attention within the minds of romantic young girls who refuse to believe he is married because of his looks. Statistics have amply proven that the ugly man enjoys more domestic happiness than the handsome man. ' Divorce courts prove this beyond any doubt The aver age handsome man is fond of the society of women, but he seldom marries. He will talk optimistically on the subject of matrimony, he will praise the state of conjugal happiness, but when It comes to following the advice he has so freely given he will balk and refuse to listen to this form of "madness." Get married? Nit! Not for me! , On the other hand look about you and see that the men who seem to enjoy mar ried life are those whose personal ap pearance would scarcely get them Into any scrapes. Tho homely mun goes on his quiet way unmolested. His wife respects him highly, pcrhape is perfectly con tented with him; but Bhe has not the continued fear preying upon her mind that his elegant, wavy hair, the classic profile, his black eyes or his slender hands are drawing the attention of other eyes than her own. Therefore, domestic peace reigns supreme. True, the warmth of love In the home of the more handsome man may be missing, but the divorce court Is not staring tho latter In the face a few years after he has settled down. It was eald not long ago by a New York woman that the would not allow her daughters to marry handsome men. - "They are the ones that fill the divorce courts," she said. And all New York took up the matter. Many mothers have seen l the wisdom of the same theory. The ugly man who has a good character to day makes the best husband in the minds Cultivating Sllmness Fat women must take this Injunction to heart If they want to. be In style for the new modes will not drape over a fat figure. The fat has got to come off quickly, but without harm, of course, and this means only one thing can be depended upon. Ex ercising or dieting are too slow. The fat woman who wants to wear a form cling ing gown must make an Immediate trip to her druggist and get a case uf Marinola Prescription Tablets, which will cost her about 75 cents. Taking one of these after each meal and at bedtime olijuld lr euiiugli to bring her to the "loslng-a-pound-a-day" stage before even the first case Is uaed up. It is hardly believable that auch delightful re sults can be obtained without barm and for such a mall sum of money, but then fact Is stranger than fiction. Test the effect of these tablets by get ting a case yourself, either from the Mar inola Co., 633 Fanner Bldg . Detroit, Mich or from any druggist. They are made In exact accordance with the famous Mar. mola Prescription and consequently can not hav any M effect. Adv. loan conditions best meet the needs of a wage earner, being adjustable alike to prosperity and a pinch. "Consider now ihe hard, practical bene fits of home ownership on the terms out- lined, with home sentiment out of the reckoning. Our home would rent for $:io a month. If I were a renter $30 a month would be about my limit. Taking that fig ure as an Illustration, shelter hired from a landlord would cost us $360 a year. Our obligation to the loan association calls for $396, or $36 a year more than the rent would be. By keeping up the monthly pay ment of $33 without any Increase other than the association dividend of 6 per cent, the loan will be paid off in about eleven years, and 'the cos, of the loan, over what wo would pay as rent, would be $396. of hundreds of mothers. ' Wot that ugly men have better characters than their less fortunate brothers, but because they do not prove magnets to the quota of "vampires" who ply their trade In all American cities in greater or less num bers. A handsome man can scarcely make himself ugly; an ' ugly ' man can scarcely be "made over" Into " the Adonis class. sun n For further 1&90 "To this should be added the excesa cost over the loan, $500. and the home stands to cost us $S96 ov-r what we would have paid a landlord In eleven years for less satisfactory quarters. No account Is taken of homo expenses Insurance, taxes, repairs, etc., for the reason that Increasing value of the property offsets these Items. The little house we have enlarged at an expense of $500 and rents for $31 a month. The now home Is good for $35 if we desired to rent It. Both together, considered a an Investment, will pay 7 per cent per annum on S,000 and leave iiw a year lor taxes, repairs and Insurance. Total first cost of enterprise, $5,700. "Does home ownership pay? Emphatic ally, yes In financial returns, In family comfort, in elbowroom and Independence." But the foregoing summary does not tell all of the story. It simply deals with two houses, while, as a miner of fact, Mr. Fitzmorrls has Just completed his third house an elegant home costing $5,000 at Fortieth and California streets. This done, he has the two houses mentioned in the Chicago Tribune article, for rent. From these he derives something like $t per month, living with his family the while In his new home on California and Fortieth streets. Some day when you feel like taking a street car ride. Journey out on California street and look at the new Fitzmorrls home. Then take Into consideration that every dollar of the money that built has vacated. Then take into consideration that every dollar of the money that built these houses came not as a legacy from ancestors, not as the fruits of speculation, not by any brilliant stroke of easy money getting, but out of the hired man's pay envelope, and you will find In such reflec tion an example worth the earnest consid eration of every wage earner In this country. The handsome man lives in a different at mosphere from the . ugly; man. He will be found filling the chairs of the clubs, In the boxes at the theaters, In the fash lonablo drawing rooms where society holds forth. The ugly man will be found In theolid, substantial' residence district of . the city, a child bouncing on each knee, an amiable wife In the rocker stitch ing his socks. Tho ugly man has for- The OS All I united via Bir The Safe Road" Train Electic Lighted Throughout Electric Block Signals Dustless Perfect Track Dining Car Meals and Service "Best in the World" Watch for Later Announcement Giving the Time Train Will Leave Omaha information call or address, CITY TICKET OFFICE, 1324 FARNAM STREET, OMAHA, NEBRASKA. Phones Douglas 1828 and Indepeneht A-3231 zzzzr" rrr gotten how to whisper sweet nothings Into fair ears. If, indeed, he ever knew how. The handsome man looks approv ingly pehaps a bit enviously upon the ugly man's domestic Miss, but ho says: ' Not for nie." The question would arise: iVhu makes the best citizen? Nine icipte out of ten would answer the homeniaker. The handsome man Is paradoxically referred to as the "homebreaker." Hut there are lots of handsome men who are neither horaebreakers nor homemakers. When a girl Is at the romantic age she prefers the handsome man. When she wants a good home when she wants to enjoy the bliss of peace of mind and happiness she prefers tho ugly man. Though she looks back with pleasure upon the days when she was courted by the handsome man. she casts here eyes upon the ugly man, now her husband, and she says, "I am satisfied." "I do not go to tho seaside any more," said a woman of wealth recently, "be cause my husband Is In too much dan ger." Consequently the family spend their summers In the heat of the city, though they have ample means to do so. Hundreds of women have foresworn all pleasure and social obligations In order to protect their Adonis husband from the wiles of other women. When once the ideas and suspicions of a woman married to a handsome man be come aroused she forges ahead by leaps and bounds. Every move he makes Is fraught with some terrible meaning. She will visit his office In order to watch over hlm. Imagining that he is paying atten tion to other women while she remains at home. The lives of more women have been marred and ruined In this way than In any other. More than one business man will not allow his wife In his office be cause of his disgust for her absurd sus picion, Chicago Inter-Ocean. PRAISE FOR POLICE MATRONS "A Heart Welkins Around with Out stretched Arms to Help Them aa Kreds Help." It seems as If there must nave been police matrons always, und yet the first woman In America to hold such a position died in Philadelphia last t-aturday and it wasn't from old age, either. Her name was Kate Kalbach, and she brought to her duties so much 6f loving enthusiasm, so big a heart, and so hopeful a disposition, that. In earlier days, she might have been canon ized. Certainly, she was regarded as a saint by her associates, and tho story Is told of the reply which a policeman made when a visitor pointed out Mrs. Kalbach at the station house and asked, "Who is that woman?" "That ain't no woman,' waa the answer, "that's Just a heart walking around with outstretched arms to help them as needs help." A finer epitaph could not be found to carve on i er tombstone, but It lives in the memory of her associates, and In the hearts of the thousands of women she had befriended, and perhaps that is the better and more lasting place. Like praise could be given ' police mat rons as a class, according to those who know, for while men grow stern and cal lousedcynical, too, in their sad experi encesthe women of the police service never seem to lose their sympathies or their sisterly hopefulness. i And yet, as anyone knows who has even circled round the outskirts of crime, there Is more to be looked for in the way of regeneration on the part of men who have become criminals than can be hoped for from women. They have greater chances to , become straight and stay so; society doesn't hedge them In so impenetrably; their own sex and women, as well, are kinder and more helpful to them than to women. A woman, though, who has stepped aside, finds it harder to return, and largely through the social conditions which force ClfflC - - ". . . her lsteis to stand aloof from her or even to take a more aggressive stand. In spite of this, hoaever; In spite, too, of all the disheartening experiences with women criminal themselves, the police matrons hold tight to their optimism, be lieve In the uplift of Ihe feminine fallen, and never stop working for 11. Cleveland, 1 .carter. I Forty-Kite tear In One College. j Mrs. Margaret SUmson has Just com- I plet d her forty-fifth year of service at the Institute of Technology. Boston. She was appointed In 1MB by President Rogers to take charge of the chemical apparatus I used by students. She Is still In active service and Is said to remember the names and personality of more men who have attended -classes In the Institute of Tech- i nology than any other person connected with the Institution. 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