133.
Sanitation, improved, 96.
Saving, 35, 111, 119-125; unthrifty forms of, 110-111; savings
banks, 118-119, 123; beginnings of, 119; for burial, 119-121;
for sickness, 122; stamp, 123-124; collections, 124; for fuel, 124.
School-teachers, 79-80
Scott, 2.
Seasonal occupations, 36.
Self-help, resources for, 190.
Self-sustaining families, 193.
Sentimental charity, 4.
Settlements, 5, 8, 108.
Shaftesbury, Lord, 10.
Sham homes, 46.
Sick benefits, 122.
Sickness, as a cause of poverty, 95-96; outside hospitals, 103-104;
facts needed in helping, 186-188.
Smith, Miss Frances, 181.
Smith, Miss Zilpha D., 36, 58, 79, 142.
Social classes, 10-12.
Social history of family, facts needed in, 187.
Social service, 5.
Soup kitchens, 148-149.
Sources of relief, natural, 149-150; relief societies, 150; public
outdoor relief, 151; multiplication of, 152-153.
Spasmodic charity, 191,
Spencer, Mrs. Anna Garlin, 81.
Spending, 111, 112, 125,
Stamp savings, 123-124.
Strikes, 31-32.
Study, supplementary to experience, 15; of charity in theological
seminaries, 178.
Suggestion, power of, 18, 71-72.
Suggestions about visiting not all applicable to one family, 179.
Summer visiting, 185.
Sunday-schools, multiplication of, 87-88, 168, 177.
Sympathy and sentimentality, 71.

Tact, 14.
Tammany Hall's charity, 20.
Tenements, unsanitary, 96.
Thanet, Octave, 3.
Theological seminaries, course of charitable instruction in, 178.
Thomas, Theodore, 135-137.
Thrift, 108-112; and wages, 109; includes spending, 110-111;
divides the poor into three classes, 111-112.
Thriftless, the, 109-110, 156.
Trade-unions, 30, 32.
Training of charity workers, life the best school for the, 14, 145,
181-182; common sense in, 187; economic questions in, 29.

Undertakers and industrial insurance, 121.
Unemployed, in place of strikers, 31-32; number of, 33; treatment
of, 34.
Unemployment, causes of, 33-40.
University extension, 137.
Unsanitary surroundings, 96-97; tenements, 96.
Unthrifty forms of saving, 110-111.
Unworthy not a descriptive term as applied to the poor, 154.
Usury, 115-118.

Vagabonds, married, 47-57, 93, 146, 158, 164, 202-215.
Ventilation, 97-98.
Visiting, continuous, 182-185; illustrations of continuous, 197-215;
patience in, 182-183, 200; illustrations of successful, 197-202,
207-215; in summer,