New Homes for Old Part 6

When the first hard times are past and the members of the immediate family are reunited, there comes the reaction to the experience of depending on the money wage. There arises the fear of disaster growing out of interruption of the income, or misfortune involving especially heavy expenditure.

The United States Treasury Department in its "Thrift" campaign lays down the doctrine _save first_ and _spend afterward_.[21] This is what the members of the foreign-born groups have long been doing, and probably this policy is the only possible basis for a rational use of one's resources. Yet doing this gives rise to comment on the "low standard of life." And thrift often seems to border on miserliness.

Indeed, the problem is by no means so simple as the use of the categorical imperative would indicate. The whole question of deciding between the claims of the present and of the future is a very difficult one. The economist gives us little definite help. He lays down the so-called "rule of uses" and tells the housewife so to apply her resources that the utility extracted from any unit may be at least as great as if that unit were applied elsewhere. Now the foreign-born housewife, like other housewives, has certain resources of money and time and strength, and these she wishes to distribute wisely. But she labors under many disadvantages, of which it is only fair to take notice.

UNFAMILIARITY WITH MONEY

In the first place, her income is in an unfamiliar form. There is first the fact that the money units are strange to her. A woman who recently came over, being called on to make an unexpected payment, handed her purse to a fellow traveler, asking that the required amount be taken out. In the second place, for many there is the difficulty growing out of the exclusive dependence upon money payments, when before there were both money and the products of the land.

The fact should always be kept in mind that, to the extent to which the foreign born are from rural districts, they have the difficulty experienced by all who are forced to adjust themselves to an economy built on money, as distinguished from an economy built on kind. In the country where things are grown, there is little opportunity for acquiring a sense of money values.

It is then peculiarly difficult to value in terms of the new measure those articles with which one has been especially familiar under the old economy. For example, when vegetables and fruits have been enjoyed without estimating their value, it is difficult to judge their value in money. While meat was before thought out of reach, it may be purchased at exorbitant rates under the new circ.u.mstances, because one has no idea of how much it should cost. Evidence as to this kind of difficulty is found among all groups. It takes the form, sometimes, of apparent parsimony, sometimes of reckless and wasteful buying.

The Lithuanians seem, for example, to experience difficulties of this kind everywhere. The small farmer in Lithuania was accustomed to an irregular cash income at harvest time. Sometimes it carried over from one year to another, while young stock was growing. He had little need of money except for extraordinary expenses, such as those for farm machinery, or building. The local store, which was usually co-operative, carried only such imported articles as salt, sugar, spices, tea, and coffee. All other foods were produced at home or secured through neighborly exchange. All the clothing for the family was of home manufacture, even to the cloth. If a boy were sent to school in the nearest large town, his board was paid with poultry and dairy products.

The tenant laborer had house rent free, a garden, a cow, a few pigs, and all the poultry he cared to raise, in addition to the yearly wage of from 125 to 150 rubles a year.

Other farm laborers had board and clothing in addition to their wage of 25 rubles a year. Women received 3 rubles a year for farm labor, in addition to board and all ordinary clothing. The food provided by the farmers was coa.r.s.e and monotonous, but it was plentiful and nourishing. Laborers were housed in two-room log or board houses, with thatched roofs; farm workers without families slept in the farmer's granaries and ate at a common table.

To the inexperienced peasant the daily wage of $1.50 and $2 in the United States seemed ample, but it was not long after the family arrived before it was found inadequate. The situation becomes still more confusing if employment is seasonal and irregular. In Lithuania, contracts were made by the year and unemployment was unknown. Through apprehension they begin to adopt a low standard of living in order to economize, a practice now common in many Lithuanian communities in this country. They have never paid rent in their native country, so one of their first instincts is to economize at that point in the new country by taking lodgers.

Among other national groups there are evidences of the same difficulties. Bohemian women, it is said, buy recklessly at first, spending money for jewelry and all sorts of things they see for sale in the neighborhood stores. Ukrainian women control the expenditure of the family income here, but in the village life in Galicia they never had much money to spend; the table was supplied from the farm, clothing was of home manufacture, furniture was seldom bought. They are, therefore, when they first come, little fitted by previous experience for wise expenditure of the family income.

IRREGULARITY OF INCOME

To these difficulties are added those connected with the uncertainty and irregularity of wage payments and with the length of intervals recurring between these payments. The ways in which periods of unemployment and consequent cessation of income are met are ill.u.s.trated by the following experiences described by those with whom we have conferred.

The story of how the mother or children have gone out to work, of how boarders have been taken into the home, savings have been spent, money has been borrowed from friends, or charity has been accepted, occurs over and over in the experience of all the national groups. A Ukrainian mother tells how she and the older children at various times have worked during the father's unemployment. A few years ago, when it lasted for two years, she was no longer strong enough to work, and they sold their home in order to keep the children in school.

Another Ukrainian family has of late depended upon the earnings of the children and savings, but there have been times when they had nothing in the house but water, and could not buy food. A Polish mother borrowed money of the Jewish grocer when her savings were gone and her earnings insufficient. One Bohemian family had to draw on their savings in the building and loan a.s.sociation during a year of unemployment.

RESERVES FOR MISFORTUNES

It is easy, then, to understand how out of the most meager present income some provision for possible disasters will be attempted. The urgency of this claim of the future explains the fact that the possession of a balance at the end of the year const.i.tutes no evidence that the income for the year has either been adequate or been regarded as adequate. The social investigator has found savings taken from the most inadequate incomes; and judgment has been sometimes pa.s.sed on the "low standard of life" of the immigrant, when a moment's sympathetic consideration of the problem would have discovered the explanation in the ever-present fear of being caught unprepared.

The occasions for which this provision is made are, to be sure, not all of the nature of an unexpected disaster; they are, often, the ordinary events of life. There is, first, the constant possibility of sickness and of death. After the establishment of the family group, these perhaps make the first claim on the family's savings. The fear of these events may be so great that even the well-being of the children in the present may be sacrificed. For example, a Polish widow with two children, who was being supported by the United Charities in Chicago, was found to have a bank account of $192.57 which she had saved from her allowance of $3 a week in addition to her rent. When the visitor talked with her about it, she explained that she was afraid of dying and leaving her children unprovided for, and that her husband had always told her to put away part of her income.

While the need for providing for dependents is thus felt, most wage earners realize that they cannot during their own lifetime lay aside enough money to provide for their children. The most that they can do is to provide some life insurance. Even this, in most cases, must be entirely inadequate, since the premiums mean a great drain on the family's resources.

In a study of 3,048 families in Chicago, the Illinois Health Insurance Commission found that 81.9 per cent of all the families carried some kind of life insurance. The average amount of the policy, however, was only $419.24. The following table shows for the various nationalities in the group the per cent carrying insurance and the average amount of the policy.[22]

TABLE I

NUMBER AND PER CENT OF FAMILIES CARRYING LIFE INSURANCE, AND AVERAGE AMOUNT OF POLICY ACCORDING TO NATIVITY OF HEAD OF FAMILY

================================================================= TOTAL PER CENT AVERAGE NATIVITY OR RACE OF HEAD OF NUMBER OF WITH LIFE AMOUNT FAMILY FAMILIES INSURANCE OF POLICY ----------------------------- ----------- ----------- ----------- All families 3,048 81.9 $419.24 United States, colored 274 93.8 201.48 Bohemian 243 88.9 577.58 Polish 522 88.5 353.48 Irish 129 88.4 510.72 United States, white 644 85.2 535.56 German 240 85.0 416.49 Lithuanian 117 79.5 170.38 Scandinavian 232 75.4 401.58 Other 225 75.1 410.96 Jewish 218 63.8 465.09 Italian 204 57.8 403.94 =================================================================

It is interesting to note that the Bohemians are among the national groups showing the largest per cent (88.9) of families having life-insurance policies. They also show the largest average policy ($577.58) of any national groups, including the native-born white.

The method by which this particular provision is made is often through the fraternal order, the benefit society, and the form of commercial insurance known as industrial insurance. The fraternal orders that are used by foreign-born groups are usually societies of their own national group, such as the Polish National Alliance, the Croatian League of Illinois, the Lithuanian National Alliance. They differ from the benefit societies, such as the Czecho-Slav Workingman, the Znanie Russian Club, and the Congrega di Maria Virgine del Monte Carmelo, in that the fraternal orders are organized under the state laws governing fraternal insurance societies, are incorporated, and usually have a more than local membership. Most of the benefit societies are small local societies without national affiliation, often not observing good insurance principles and without the needed succession of young lives.

These types of insurance were made the subject of special study by the Illinois Health Insurance Commission of 1919. The judgment of the Health Commission as to the value of these organizations is, that the fraternal societies, although they are democratic, co-operative, and nonprofit-seeking organizations, thus being particularly attractive to wage earners, are often not on an actuarially sound basis.[23] The benefit societies of the foreign born present an even more precarious means of providing for future needs.[24] Sooner or later they find that the dues must be increased, their membership declines, and the period of decay sets in.

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 quant.i.ties 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 c.r.a.pe and gloves 2.50 Candles 3.00 Hea.r.s.e 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 antic.i.p.ates 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 inst.i.tutions 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 a.s.sembled 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 princ.i.p.al expense of the Italian bride's family is for the bridal linen and the girl's underwear. These, of course, vary with the circ.u.mstances of the family. These articles are usually the acc.u.mulation 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.