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water rents and repairs 8.7 per cent. of total earnings; 31.2 being the possible per cent, savings of earnings.

The 15 employés reported as paying rent made annual earnings of $698.53 per family; the total annual cost of living was $649.59 per family; the cost of living (exclusive of amount paid for rent) was 73.6 per cent., the rent 19.4 per cent. ; and the possible savings 7 per cent, of earnings.

GROUP 4. - Is made up of 3 stone masons, i annealer, 1 japanner, 4 dippers, 3 weavers, 2 firemen, 2 teamsters, I watchman, 2 motormen, and 6 metal workers, of the average age of 39.7 years; 11 were native and 14 foreign born ; average number in family, 3.4; average weekly hours of labor, 56.68 ; average weeks employed at regular occupation during the year, 43.76 ; and the average weekly earnings, $12.13 ; 8 own their own homes, í being free of incumbrance and 7 mortgaged ; 13 reported as being rent-payers, the average monthly rental being $8.12, and 4 paying no interest, taxes or rent.

The 8 houseowners report the total annual cost of living as being $576.75, and the total annual earnings $762.90 per family; the per cent. cost of living of earnings (exclusive of interest, taxes, &c.) was 63.3, and the expense for interest, taxes, water rents and repairs 12.3 per cent of the total earnings ; and the possible savings of earnings 24.4 per cent.

The 13 individuals reported as paying rent show total annual earnings of $525.28 per family, the total cost of living being $460.00 per family; the cost of living (exclusive of amount paid for rent) was 69 per cent., the rent 18.6 per cent., and the possible savings 12.4 per cent. of earnings.

Four employés, paying no rent, interest or taxes show annual cost of living to have been $453.50, and the annual earnings $572.77 per person ; the per cent, cost of living of earnings was 79.2, and the possible savings 20,8 per cent. of earnings.

Group 5.—Consists of 50 workingmen employed as shop, quarry and street laborers, of the average age of 37.1 years, 9 being native and 41 foreign born; average number in family, 3.5 ; average weekly hours of labor, 57.16 ; average weeks em. ployed at regular occupation during the year, 38.34 ; and the average weekly earnings, $8.57; 5 own their own homes, all being incumbered ; 42 were rent-payers, the average monthly rental being $5.48, and 3 paying no interest, taxes or rent.

The 5 houseowners report the total annual earnings as being $475.12, and the total cost of living $395.88 per family; the per cent. cost of living of earnings (exclusive of interest, taxes, &c.) was 67.1, and the expense for interest, taxes, water rents and repairs 16.2 per cent. of total earnings, and the possible sav. ings of earnings 16.7 per cent.

The 42 employés reported as rent-payers show total annual earnings of $387.68 per family, the total annual living expenses being $387.56 per family ; the cost of living (exclusive of amount paid for rent) was 79.78 per cent., the rent 20.19 per cent., and the possible savings .03 per cent. of earnings.

Three employés, paying no rent, interest or taxes show annual cost of living to have been $341.67, and the annual earnings $417.50 per person ; the per cent, cost of living of earnings being 81.8, and the possible savings 18.2 per cent. of earnings.

Group 6.—Consists of 25 individuals engaged in miscellaneous occupations, of the average age of 40.7 years, 19 being native and 6 foreign born ; average number in family, 3.8 ; average weekly hours of labor, 57.6 ; average weeks employed at regular occupation during the year, 47.32 ; and the average weekly earnings, $16.86 ; 8 own their own homes, 5 being incumbered and 3 free of debt ; 2 houseowners, however, being also rentpayers by reason of the fact that the houses are located elsewhere than place of residence, will be classified as rent-payers in this analysis; 17 reported as rent-payers (including the two houseowners mentioned above), the average monthly rental being $11.08; 2 paying no interest, taxes or rent.

The 6 houseowners report the total annual earnings as being $961.67, and the total cost of living of earnings (exclusive of interest, taxes, &c.) was 50 per cent.; and the expense for interest, taxes, water rents and repairs 14.6 per cent. of total earnings, and the possible savings of earnings 35.4 per cent.

The 17 employés reported as rent-payers show total annual earnings of $819.66 per family, the total annual living expenses being $698.48 per family; the cost of living (exclusive of amount paid for rent) was 66.3 per cent., the rent 18.9 per cent., and the possible savings 14.8 per cent. of earnings.

Two individuals, paying no rent, interest or taxes show

annual cost of living to have been $615.00, and the annual earnings $840.00 per person ; the per cent. cost of living of earnings being 73.2, and the possible savings 26.8 per cent. of earnings.

Group 7.—Consists of 25 individuals employed in the hatting industry, of the average age of 39.2 years, 14 being of native and II of foreign birth ; average number in family, 3.2; average weekly hours of labor, 42.48; average weeks employed at regular occupation during the year, 42.92 ; and the average weekly earnings, $10.72; 4 own their own homes, 3 of which were incumbered ; 16 reported as being rent-payers, the average monthly rental being $9.50; 5 paying no interest, taxes or rent.

The 4 houseowners report the total annual living expenses to have been $632.25, and the total annual earnings $766.12 per family; the per cent, cost of living of earnings (exclusive of interest, taxes, &c.) was 71 per cent.; and the expense for interest, taxes, water rents and repairs 11.5 per cent. of earnings, the possible savings of earnings being 17.5 per cent.

The 16 employés reported as rent-payers show total annual earnings of $536.94 per family, the total annual living expenses being $498.37 per family; the cost of living (exclusive of amount paid for rent) was 71.6 per cent., the rent 21.2 per cent., and the possible savings 7.2 per cent. of earnings.

Five individuals, paying no rent, interest or taxes show annual cost of living to have been $345.00, and the annual earnings $433.30 per person; the per cent, cost of living of earnings being 79.6, and the possible savings 20.4 per cent. of earnings.

SUMMARY

A summary of the following tables show that of the 200 individuals reporting 47 were houseowners, 34 of which were incumbered by mortgages. The amount paid in interest, taxes, water rents and repairs was $4,388.50. One hundred and twenty-five were rent-payers, the annual expenditure for rent being $14,392.00, the average monthly rental, therefore, being $9.60. Twenty-eight employés report having paid no interest, water rents, taxes or house rent. The annual living expenses of the entire number of employés reporting (exclusive of amount paid for interest, water rents, taxes or house rent) was $88,094.07, the total living expenses being $106,874.57 ; the total earnings, $128,684.58; and the net savings, $21,810.01.

INDIVIDUAL EMPLOYÉS.

Group 1.—Consisting of Foremen, Accountants, En

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*Unmarried.

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