Part 7

Industrial insurance provides a safer method than either of these, but it presents a number of other disadvantages.[25] The policies are usually small, sufficient only for burial expenses, and the rates are relatively high because of the bad risk among the wage earners, and especially because of the expense of weekly collections. Here, as everywhere, the poor who must buy in small quantities get relatively less for what they pay.

It is often urged against industrial insurance that it makes no real provision for dependents, and merely pays for a somewhat elaborate funeral. It must be borne in mind that the funeral, however modest, is an expense that often places the family in debt, and that even the thriftless will try to make some provision for it. The following expense account of the funeral of a Polish man is typical of the accounts received during this inquiry, and exhibits no unusual expenditure when compared with American customs:

Embalming $ 11.00 Casket 65.00 Crape and gloves 2.50 Candles 3.00 Hearse 11.00 Carriage 9.00 Grave 12.00 Outside box 6.00

Total $119.50

It is a matter of common knowledge that unscrupulous undertakers often obtain possession of the insurance policy and make the charge for the funeral equal to the whole amount. This may, in part, explain the criticism that the funerals in foreign-born families are often unnecessarily expensive. An Italian woman interviewed, the president of one benefit society and a member of four others, speaks of going to buy a casket at the time of the death of a friend during the influenza epidemic. The cheap, wooden casket cost $150. The next day, when she went with another friend to the same undertaker, the casket which had been $150 cost $175. She could not understand how such prices could be allowed, and exclaimed, "The government regulates prices of flour and sugar, and why not such things as the cost of coffins in times like these!"

There may also be expenses connected with the service itself. In some churches the tolling of the bells must be paid for by the mourners, and sometimes it is the poorest who will insist that the bells be tolled the longest. In a church in South Chicago it is said that the parishioners paid for the chimes with the definite understanding that the bell-tolling at funerals should no longer be a special charge. The need of provision against sickness and death is keenly felt in every immigrant community. One of the older women, who had been frequently called into the homes in cases of sickness and death, said that in sickness there was never money for the doctor, or night clothes, or bedding, and in case of death never enough of anything.

THE COST OF WEDDINGS

After providing for sickness and death, a family must lay aside the sum necessary to secure an advantageous marriage for the daughter, and to meet her family's share of the wedding. Similarly, the young man anticipates marriage as a natural development in his life. It is interesting to consider the share of the cost borne by the girl's family and that borne by the young man, and to notice also certain customs connected with the wedding itself that contribute toward the expense.

The customs connected with weddings which have grown up in the old country may, when transplanted, mean an expense which seems entirely out of proportion to the family's economic status, especially when American customs are added to those of the native country. An Italian woman says that weddings were, as a rule, much simpler in Italy than in the United States. There a maid of honor and "other frills," such as automobiles, flowers, and jewelry, were unknown. A large feast, usually of two days' duration, was customary, and is continued here, even in a city. A hall must be rented for the dance, and when food prices are high the cost is enormous.

To avoid the expense of renting a hall which would cost $100 for six hours, a recent Italian wedding reception in Chicago was held in the butcher shop owned by a cousin of the bridegroom. The living rooms in the rear were used for the dinner, and the shop itself became the ballroom. The floor was crowded, and the children had to be turned out into the street to play, but the enjoyment of the party was evidently not at all lessened by the somewhat incongruous surroundings. The fact that there is near by not only a great settlement where a comfortable hall might have been available, but likewise a park house similarly equipped, is perhaps indicative of a failure of these institutions to meet the very needs of the neighborhood they are designed to serve.

It is an Italian custom for the father of the bride and the father of the bridegroom to share the expense of the feast, although the bridegroom sometimes pays for the music and the hall, and the bride's family furnish the food. An Italian pastry dealer says that the amount spent for pastries varies from $15 to $120, and an equal amount is spent in home baking. For well-to-do families the expenditures may be much larger; for example, one family recently spent $200 for pastry alone.

There is, however, a feature of the wedding feast which reduces the cost to the family. It is customary, when the party is assembled after the wedding, for the bride to be placed on a "throne," and the guests place their presents of money in her lap. Money is usually given, although useful articles for the home are sometimes included. The greater the number of guests invited perhaps the lower the net cost of the ceremony.

The other principal expense of the Italian bride's family is for the bridal linen and the girl's underwear. These, of course, vary with the circumstances of the family. These articles are usually the accumulation of several years.

The bridegroom pays the other costs. He buys not only the household furniture and his clothing, but the wedding ring, earrings, a gift for the bride, and some of her clothing. If the girl is poor he may even buy her underwear and the linens. It is said that these things often cost all the bridegroom's savings, and that the couple start married life with nothing saved for emergencies. The expense of the bridegroom in a recent Italian wedding in Chicago was $2,000.

It is the custom for the man to buy for the bride a complete costume for two days--the wedding day and the eighth day--when the newly married couple return the calls of the wedding guests. An Italian saleslady in a store in the Italian district says that the amount usually spent on the bride's clothes is $200 or $250. The very least spent in these days is $100, and the outfit may cost as much as $500. When the family is a recently arrived one, the man usually accompanies the girl or her mother to the store and pays the bills on the spot.

Among other groups as well as among the Italians it seems to be customary for the bridegroom to bear part of the expense of the wedding and of the bride's outfit. The Polish bridegroom often gives $50 to the bride, and she buys her clothes, linens, and the food for the feast. The Russian girl gives a white handkerchief to the groom, and he pays for her dress.

Another item in the expenses of a wedding is the cost of photographs. It is the custom in most foreign-born groups to have large photographs, not only of the bride and groom, but of the whole wedding party. The Polish people also have another picture of the bridesmaid taken with the best man. These photographs cost as much as $30 a dozen and at a higher rate if less than a dozen are ordered. The number ordered depends on the economic condition of the family, but the minimum is six of each. The pictures of the bridal party are the largest and most expensive and are usually given only to the immediate family and the attendants. The smaller pictures of the bride and groom are given to all the friends and relatives, especially those in the old country. This is an important means of keeping up the connection with those at home. An enlarged and colored copy framed in an ornate gilt frame is usually ordered for the newly married couple, and is an added expense.

The cost of automobiles is also important. The bridal party, and sometimes the guests whom it is desired to honor, are taken to the church, then to the photographer's, and then to the hall where the feast and dance are held. Sometimes as many as six automobiles are observed drawn up in front of one of the little photographers' shops in an immigrant district.

Many people seem to think that the festivities among the foreign born are becoming simpler. The extravagance is perhaps again a question of the transition to a money economy. The ceremony in the old country was an occasion for great celebration, with feasting and dancing for several days, but was perhaps not expensive when the necessary articles were produced at home or received in exchange for home products. Here the immigrant family does not at first realize the real value of the money which seems so plentiful, and the old customs are not only carried out, but elaborated because of the added feeling of prosperity.

In many ways the old customs are now being modified. Among the Polish, for instance, the guests used to give presents of money, practically buying a dance with the bride. The custom has been frequently abused here, as the men have divided their gifts into small parts and demanded many dances with the bride, often causing her to dance so much as to cause serious fatigue. For this reason we heard of one bride who simply "walked with the plate" instead of dancing. Another story is told of a wedding in a Polish community, at which the men threw dollars at a plate. The one who was successful in breaking the plate might dance with the bride.

This Polish custom of giving money gifts offsets to a large extent the cost of the wedding. Among three Polish families visited, one whose wedding cost $200 collected $60; another spent $150 and collected $160; and a third spent $200 and collected $300. But this custom, too, tends to disappear in the second generation. A young Russian couple, for instance, were opposed to a regular collection, but the parents, who consider it the blessing to their daughter, could not resist each leaving a ten-dollar bill as they left. The young people were embarrassed, but the other guests quickly followed the suggestion, and $100 was collected.

CHRISTENINGS AND FÊTE DAYS

This naïve solicitation of gifts is also practiced on the occasion of the christening of the infant. An unmarried godmother may be preferred because, having no children of her own, she is more able to make handsome gifts at the time and to continue her contributions. One young Russian girl, whose marriage with the father of her unborn child was arranged by a social worker, asked the new friend to serve as godmother, and then expected an outfit for the infant in christening robes, little veils, and other articles, costing about $75.

Observers interested in customs in immigrant districts say that the custom of soliciting gifts at christenings was modified during the war. Among Polish families, for example, each guest used to make a present in money to the child who was christened. During the last few years it has become more and more customary for the collection to be taken for the benefit of Polish war orphans. The amount collected is then announced in the paper and serves as a source of prestige to the family.

There are also numerous fête days and religious celebrations which call for special expenditure. It is impossible to consider all these here, but attention should be called to an important event in the religious life; namely, the occasion of the first communion. The expenses for the confirmation of a boy are not great. He usually has a new suit and wears a flower in his buttonhole. He must have beads, prayer book, and, if he is Polish, a candle.

One little Polish girl who made her first communion in the summer of 1919 had an outfit that cost her $30. This did not represent the entire cost, as she had several parts of the outfit given to her; her godmother made the dress, although the little girl herself furnished the material; the veil with the wreath of flowers was given her by a nun who had taken an interest in her, and the candle, which it is still customary in Polish churches to carry, was given by a cousin who is a nun. She had to buy the material for her dress, white slippers, stockings, and long white gloves, beads, flowers, and photographs. If she had herself borne all the expense, a minimum estimate of the cost would be $50.

BUYING PROPERTY

A third motive for saving is the desire for home ownership or for acquiring land. There is no doubt that to own a home of their own is the desire of most immigrant families. Many of them come from countries where the ownership of land carries with it a degree of social prestige that is unknown in more highly developed communities of the modern industrial civilization.

Representatives of the Bohemians, Lithuanians, Poles, and Italians have all emphasized the fact that their people want to own their own homes, and bend every energy toward this end, so that the whole family often works in order that first payments may be made or later payments kept up. The Croatians, Slovaks, Hungarians, and Slovenians are also said to be buying houses, although, as they are newer groups, they have not yet done so to the same extent as the other groups. The Serbians, Rumanians, Bulgarians, and Russians in Chicago are, on the other hand, said to be planning to return in large numbers to the old homes in Europe, and hence are not interested in buying property in this country. Their feeling for the land and their desire to own their homes in the country in which they decide to settle is said to be as strong as in the other groups.

The longing for home ownership was apparent in the family schedules we obtained, and in studies of housing conditions[26] in certain districts of Chicago we find additional evidence of the immigrants' desire to own their own homes, and the way in which this desire leads many to buy, even in the congested districts of the city. The following table gives the number and the percentage of home owners in eight selected districts. It will be noted that the percentage of owners varied from eight in one of the most congested Italian districts known as "Little Sicily," to twenty-four in the Lithuanian district.

The strength of the desire for homes can also be measured by the sacrifices which many of the families make to enable them to acquire property. It means in some cases the sacrifice of the children's education, the crowding of the home with lodgers, or the mother's going out to work. In fact, immigrant leaders interviewed seem to think that women's entrance into industry during the war was largely due to the desire to own their own homes. After the title to the house is acquired, it is often crowded with other tenants to help finish the payments.

TABLE II

NUMBER AND PER CENT OF IMMIGRANT HOME OWNERS IN DIFFERENT CHICAGO DISTRICTS

================================================================ | | NUMBER | DISTRICT | TOTAL | OF | PER |FAMILIES| OWNERS | CENT --------------------------------------|--------|--------|------- Bohemians--10th Ward | 295 | 36 | 12 Polish--16th Ward | 2,785 | 355 | 13 Italian--"Lower North" Side | 1,462 | 119 | 8 Italian--19th Ward | 1,936 | 208 | 9 Polish and other Slav--South Chicago | 545 | 100 | 18 Lithuanian--4th Ward | 1,009 | 241 | 24 Slovak--20th Ward | 869 | 148 | 17 Polish, Lithuanian, other Slavic--29th| | | Ward, Stockyards District | 1,616 | 298 | 18 ================================================================

The housing studies in Chicago furnish many illustrations of this sacrifice.[27] For example, among the Lithuanians in the Fourth Ward, there was a landlord who lived in three cellar rooms so low that a person more than five feet eight inches tall could not stand upright in them. The kitchen, a fair-sized room with windows on the street--though its gray-painted wooden walls and ceiling served well to accentuate the absence of sunlight, was merely gloomy, but the other two rooms were both small and dark, with tiny lot-line windows only four square feet in area. In one of these rooms, 564 cubic feet in contents, the father and one child slept; the other, which contained only 443 cubic feet, was the bedroom of the mother and two children. One of the highly colored holy pictures common among the Lithuanians and Poles, though it hung right by the window, was an indistinguishable blur.

The agency through which the purchase is made may be either the real-estate dealer of the same national group, or, more commonly, the building and loan association. The real-estate agents to whom the foreign-speaking immigrants go are like the steamship agents, the immigrant bankers, the keepers of special shops. Those who are honest and intelligent render invaluable services; those who wish to exploit have the same opportunity of doing so that is taken advantage of by the shyster lawyer, the quack doctor, the sharp dealer of any kind who speaks the language and preys upon his fellow countrymen. Reference has been made in an earlier chapter to the services rendered by the building and loan associations in enabling the foreign born to obtain homes. They also render services in providing the means for safe investment for those with only small sums to invest.

BUILDING AND LOAN ASSOCIATIONS

These societies are frequently organized along national lines. For example, among those listed in 1893 by the United States Commissioner of Labor[28] are the Bohemian Building and Loan, organized February 1, 1886; the Bohemian California Homestead (February 15, 1892); the Bohemian National Building Loan and Homestead (January 30, 1888); the Bohemian Workingmen's Loan and Homestead (April 20, 1890); the Ceska Koruna Homestead (May 6, 1892); the King Kazimer the Great Building and Loan (January 27, 1886); the King Mieczyslaus the First National Building Loan and Savings Bank (June 3, 1889); King Zigsmund the First Building and Loan (April 15, 1891). December 1, 1918, there were 681 such organizations in Illinois; 255 of these were in Chicago and the majority were conducted and patronized by the foreign born.

The following is briefly the method by which the building and loan associations perform the two services of providing for investment and lending money on homes:[29]

The stockholder or member pays a stipulated minimum sum, say one dollar, when he takes his membership, and buys a share of stock. He then continues to pay a like sum each month until the aggregate of sums paid, augmented by the profits, amounts to the maturing value of the stock, usually $200, and at this time the stockholder is entitled to the full maturing value of the share, and surrenders the same.

A shareholder who desires to build a house and has secured a lot for that purpose, may borrow money from the association of which he is a member. Suppose a man who has secured his lot wishes to borrow $1,000 for the erection of a house. He must be the holder of five shares in his association, each share having as its maturing value $200. His five shares, therefore, when matured, would be worth $1,000, the amount of money which he desires to borrow.... In a building and loan association the money is put up at auction, usually in open meeting on the night or at the time of the payment of dues. Those who wish to borrow bid a premium above the regular rate of interest charged, and the one who bids the highest premium is awarded the loan. The man who wishes to build his house, therefore, and desires to borrow $1,000, must have five shares of stock in his association, must bid the highest premium, and then the $1,000 will be loaned to him. To secure this $1,000 he gives the association a mortgage on his property and pledges his five shares of stock. To cancel this debt he is constantly paying his monthly or semimonthly dues, until such time as the constant payment of dues, plus the accumulation of profits through compounded interest, matures the shares at $200 each. At this time, then, he surrenders his shares, and the debt upon his property is canceled.

In some cases the sums paid are fifty or even twenty-five cents a week, and the shares may be $100 instead of $200. Among some groups shares are taken in the name of each of the children, and the investment constitutes an educational fund. There are those, however, for whom the building and loan has not provided adequate opportunity for deposit and safe investment. It is probable that the building and loan has proved most efficient for the income group $1,500-$1,800. For the group below that, home ownership is for the time impossible. As a device for saving, for both the lower and higher income groups, who come from countries familiar with similar devices, the postal savings banks are supposed to offer efficient, honest, and convenient service.

POSTAL SAVINGS BANKS

These banks were established under an act that went into effect June 25, 1910. Under this law, as amended May 18, 1916, persons over ten years of age may deposit any amount, providing the balance to the credit of one depositor does not exceed $1,000. Two per cent interest is paid on deposits, and there is provision for exchange of deposits for United States bonds of small denominations.

The facilities thus provided were immediately taken advantage of by the foreign-born groups, and the postal savings banks became almost banks for the foreign born. That is, in September, 1916, 375,000, or 80 per cent, of the total number of depositors were persons of foreign birth, and they owned 75 per cent of the deposits. In proportion to population the deposits were in 1916 about eleven times as great as those of the native born (due allowance being made for the age of the two population groups). The Greeks, Italians, Russians, and Hungarians, all coming from countries in which there are postal savings arrangements, found it especially easy to make use of them.

The department felt, however, that the facilities could be greatly extended, even among the foreign born. Therefore, circulars describing the organization, methods, and advantages were distributed. They were written in the following languages: English, Bohemian, Bulgarian, Chinese, Croatian, Danish, Finnish, French, German, Greek, Hungarian, Italian, Japanese, Lithuanian, Norwegian, Polish, Portuguese, Russian, Ruthenian, Serbian, Slovak, Slovenian, Spanish, Swedish, and Yiddish.

In spite of the fact that this system is characterized not only by security, but also by certain democratic and convenient features especially serviceable to many foreign born, there are certain limitations to which Professor Kemmerer has called attention in the following statement: