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Domestic service

Chapter 23: TABLE XIV Average Weekly Wages by Occupations
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About This Book

A systematic study of household employment based on questionnaires from employers and employees, presenting statistical tables and summaries of wages, tenure, hours, and working conditions. It examines geographic and demographic patterns and institutional supports such as exchanges and training in household skills. Employer and employee viewpoints are compared to reveal sources of dissatisfaction and turnover. The author evaluates pay relative to other occupations, surveys European practices, and offers practical recommendations and social reforms aimed at improving the organization, training, and standing of domestic labor.

CHAPTER V
ECONOMIC PHASES OF DOMESTIC SERVICE[185]

The attempt has been made in the foregoing chapters to indicate the extent to which domestic employments and domestic service have been influenced by industrial and political events arising outside of the household, and apparently having little or no connection with it. That domestic service is amenable to some of the general economic laws and conditions which affect other occupations and that it is also governed by economic laws developed within itself will perhaps be evident from an examination of a few of these economic conditions and principles. These may be stated for the sake of brevity in the form of propositions.

The first group of propositions to be suggested concerns the number and distribution of persons of foreign birth engaged in domestic service.

(1) A large proportion of the domestic employees in the United States are of foreign birth. This is evident from the following table prepared from the schedules sent out:[186]

TABLE I
Place of Birth of Employees

Person Reporting Number Per Cent
Native born Foreign born Not given Native born Foreign born Not given
Employer 922 1,212 411 36.23 47.62 16.15
Employee 324 395 45.06 54.94

The statement may be more fully illustrated from the Eleventh Census, which shows that the number of foreign born in domestic service is 30.86 per cent of the entire number.[187] The geographical distribution of the different classes of domestic employees is seen from Table II on the following page.

Another illustration of the same point is found by an examination of the relative number of native born and foreign born domestic employees in the individual states and territories. In nine states and territories the number of foreign born domestic employees exceeds the number of native born white employees,[188] in sixteen about one half of the white domestic employees are of foreign birth,[189] in twenty-four states and territories the number of native born white employees largely exceeds the foreign born,[190] while in fifteen states colored employees are in excess.[191] It will be seen that the states in which the number of native born white domestic employees exceeds the number of the foreign born are those states having relatively a small number of foreign born residents.[192] A still more specific illustration is found in the experience of one state. In Massachusetts in 1885, the foreign born domestic servants formed 60.24 per cent of the entire number.[193]

TABLE II
Domestic Employees in the United States, 1890

Geographical Section Number Per Cent
Total Native white Foreign white Colored Native white Foreign white Colored
Pacific Coast[194] 78,700 29,576 28,198 20,926 37.58 35.83 26.59
Eastern[195] 134,016 52,419 74,004 7,593 39.11 55.22 5.67
Middle[196] 394,062 176,194 175,819 42,049 44.71 44.62 10.67
Western[197] 388,920 233,274 128,761 26,885 59.98 33.11 6.91
Border[198] 251,544 79,611 16,649 155,284 31.65 6.62 61.73
Southern[199] 207,549 34,812 6,432 166,305 16.77 3.10 80.13
United States 1,454,791 605,886 429,863 419,042 41.65 29.55 28.80

These different illustrations seem to show the truth of the proposition stated.

(2) The converse of the preceding proposition is also true—the concentration of women of foreign birth engaged in remunerative occupations is on domestic service.

The Eleventh Census shows that, in 1890, 59.37 per cent of all foreign white women at work were engaged in domestic and personal service. This leaves only 40.63 per cent to be distributed among all other gainful occupations.[200] A specific illustration in the case of an individual state is seen in Massachusetts. Here the percentage of the foreign born in the entire population is 27.13, while, as stated above, the number of foreign born women in domestic service is 60.24 per cent.[201]

(3) The foreign born population as a class seek the large cities.

In 1890 the persons of foreign birth in the United States formed 14.77 per cent of the entire population. But of the total foreign population, 44.13 per cent was found in the one hundred and twenty-four cities having a population of twenty-five thousand or more.[202]

(4) The foreign countries having the largest absolute representation in the largest cities are Ireland, Germany, Great Britain, Sweden, and Canada and Newfoundland. The following table shows the relative number of persons born in these countries who are found in the United States as a whole, and in the large cities:

TABLE III
Proportion of Persons of Foreign Birth in the United States

Country of Birth United States Number in principal cities Per cent in principal cities
Ireland 1,871,509 1,047,432 55.97
Germany 2,784,894 1,328,675 47.71
Great Britain 909,092 369,979 40.70
Canada and Newfoundland 980,938 307,660 31.36
Sweden and Norway 800,706 219,112 27.36

(5) The foreign countries having the largest absolute and relative representation in domestic service are, in order, Ireland, Germany, Sweden and Norway, Great Britain, and Canada and Newfoundland. This will be evident from the following table, which indicates the place of birth of all persons of foreign birth engaged in domestic service and the per cent of each nationality so engaged:

TABLE IV
Place of Birth of Domestic Employees

Country of Birth Number of foreign born persons, 10 years of age and over, in domestic service Per cent of foreign born persons, 10 years of age and over, in domestic service
Ireland 168,993 37.64
Germany 95,007 21.16
Sweden and Norway 58,049 12.93
Great Britain 34,537 7.69
Canada and Newfoundland 31,213 6.95
Other countries 61,195 13.63

Similar results were reached through individual schedules sent out. The returns as made by employers and employees show that the place of birth of foreign born employees and the relative percentages are as follows:

TABLE V
Number of Foreign Born in Domestic Service

Place of Birth Person reporting
Employer Employee
Number Per cent Number Per cent
Ireland 653 53.88 217 54.94
Sweden and Norway 147 12.13 50 12.66
Germany 128 10.56 37 9.37
Great Britain 122 10.07 32 8.10
British America 104 8.58 42 10.63
Other countries 58 4.78 17 4.30
Total 1,212 100.00 395 100.00

This group of five propositions in regard to the number and distribution of the foreign born engaged in domestic service seems to indicate that in this country, with the exception of the sections employing colored servants, domestic service is as a rule performed by persons of foreign birth belonging to a few well-defined classes as regards nationality, who prefer city to country life. The facts given are an understatement of the influence exerted on domestic service by persons of foreign extraction, since they do not take into consideration the factor of foreign parentage.

A second group of propositions may be suggested in regard to the general distribution of domestic employees.

(1) The number of domestic servants is absolutely and relatively small in agricultural and sparsely settled states.

This will be evident by the reference to the accompanying chart, which shows the number of persons to each domestic servant in each of the states. The states last in the list, where the smallest relative number of servants is employed, are all large in area, and as a rule have the smallest population in proportion to the area of settlement. This condition is probably due to the two facts that all housework is as a rule performed without remuneration by housewives, since they are more free from social and other interruptions than are women in cities, and also to the aversion of domestics as a class to country life.

(2) The number of domestic servants is absolutely and relatively large in those states containing a large urban population.

Chart showing the Number of Persons to each Domestic Employee in the Various States and Territories and the District of Columbia

This is also made evident by the diagram. Forty-nine of the fifty largest cities in the United States are found in the first thirty-four states in the list; only one of the fifty is found in the last fifteen states. The fact is apparently most clearly shown in the case of the District of Columbia, which has an almost exclusively urban population and ranks first with reference to the number of servants employed. The condition here, however, is due not so much to its urban character as to the employment of colored help and the fact that the city contains an abnormally large number of temporary residents requiring a disproportionate amount of service. The truth of the proposition is better indicated by the examples of New York, Massachusetts, and New Jersey, which stand nearly at the head of the list and contain seventeen of the fifty largest cities.

(3) The aggregate wealth of a state has little appreciable effect on the relative number of domestic servants employed.

This is evident from a study of the relative true and assessed valuation of real and personal property in the different states.[203] In more than one half the states it has no apparent connection whatever with the relative number of servants.

(4) The per capita wealth of a state has, with the exception of the Southern states as a class, a somewhat important bearing on the relative number of servants employed.

This will be seen from an examination of the per capita assessed valuations of real and personal property in the various states.[204] The rank of each state in the class of per capita wealth and in the relative number of domestic servants employed, with the exception named, does not vary materially. The variation in the Southern states is due to the presence of negro employees. The extremely low wages paid by employers enables them to command the services of a larger number of persons for the same expenditure of money than is possible at the North.

These facts may be considered as indicative in a general way of the truth of the current opinion that an increase in income generally shows itself first in the employment of additional service. They prove nothing absolutely on this point, however, as they are too general in character.

(5) Domestic employees are found in the largest numbers, relatively and absolutely, in the large cities. The fifty largest cities in the United States contain 18.04 per cent of the total population of the country. They have, however, 32.32 per cent of the total number of domestic servants. To put the same fact in another way, domestic servants constitute 2.32 per cent of the total population, but 4.07 per cent of the population of the fifty largest cities. The force of gravity exerted, therefore, by the large cities seems to act with nearly twice the power on the class of domestic employees that it does on the population as a whole.

The conclusion seems to follow that in general employers in large cities have less difficulty in securing servants than have persons living elsewhere, but that they are practically restricted in their choice to those of foreign birth. The conclusion does not follow that these employers have less difficulty than have others in dealing with the question of domestic service, since the facts given concern only the number of servants, not the quality of service.

(6) The proportion of persons engaged in domestic service varies with geographical location and prevailing industry.

This fact is indicated by the chart, which shows that in Southern cities, where the colored population is large, and in New York and Boston, which are ports of entry and therefore able to secure a large number of foreign born servants, the proportion of servants to the total population is large. In cities where the leading occupation is manufacturing, as Lowell, Paterson, and Fall River, the proportion of servants is small. In cities where the industrial conditions are similar the proportions are similar.

Chart showing the Number of Persons to each Domestic Employee in the Fifty Largest Cities

The same fact may be illustrated in two other ways. In Washington, Richmond, Atlanta, Memphis, and Nashville,—the five cities having the largest number of domestic employees in proportion to the population,—the domestic employees constitute in each city more than fourteen per cent of the entire number of persons engaged in all gainful occupations. In these five cities more than one third of all women engaged in remunerative occupations are in domestic service. On the other hand, in Camden, Trenton, Lowell, Paterson, and Fall River,—the five cities having the smallest number of domestic employees in proportion to the population,—the per cent of domestic employees with reference to the total number of persons engaged in all gainful occupations is less than seven, while in Lowell and Paterson only ten per cent and in Fall River only seven per cent of all women engaged in remunerative occupations are in domestic service. The following table will show these contrasts:

TABLE VI
Domestic Servants and Women compared with those in Gainful Occupations

Cities Per cent of domestic servants as compared with the total number of persons in all gainful occupations Per cent of women in domestic service as compared with the total number of women in all gainful occupations
Washington 17.10 40.46
Richmond 16.66 40.36
Atlanta 5.43 36.72
Memphis 5.21 39.07
Nashville 4.61 38.69
Camden 5.89 26.13
Trenton 6.13 26.07
Lowell 4.48 10.29
Paterson 3.34 10.84
Fall River 2.82 6.98

(7) Neither per capita wealth nor aggregate wealth has an appreciable influence in determining the number of servants in cities.

Three illustrations of this are seen: (1) Washington, Richmond, Atlanta, Memphis, and Nashville rank respectively as regards per capita wealth, 13, 27, 19, 24, and 41, although they are the five cities that head the list in the proportion of servants to the total population; (2) Lowell and Fall River are at the foot of the list as regards the proportion of servants, but rank 10 and 12 in per capita wealth; (3) Nashville ranks fifth in the number of servants and Paterson forty-ninth, while both rank nearly the same in point of wealth.[205] There are indeed many instances where there is apparent connection between these two conditions, but they seem rather to be illustrations of the following point:

(8) The prevailing industry of a city, rather than its population or wealth, determines the number of domestic employees.

This conclusion seems to follow naturally as a result of the two previous propositions, but a few other facts in support of it may be mentioned. In eleven of the fifty principal cities the proportion of domestic servants to the total population is smaller than is the proportion in the states in which they are severally located.[206] The leading occupation in each of these cities is some form of manufacturing, and in each of them the proportion of persons engaged in manufacturing processes is larger than, with few exceptions, in the other cities. This fact explains the apparent contradiction between this statement and the one that domestic servants are found in the largest proportions in the largest cities.

That manufacturing industries tend to decrease the number of domestic employees in a city is both a cause and a result. The competition in industry draws women from domestic service, and at the same time a large part of the population in a manufacturing city is unable or does not care to employ large numbers of servants. It has been seen, however, that several of the manufacturing cities rank comparatively high in per capita wealth.

It seems possible in view of the facts stated in this second group of propositions to draw these conclusions. In states containing a relatively high urban population it is possible for wealth to command the services of a large proportion of persons for work in domestic service. But in cities where wealth comes into competition with manufacturing industries the proportion of domestic servants is small. Where such competition does not exist the proportion is large. In other words, persons are willing to enter domestic service for a consideration in cities where no other avenues of work are open to them with the qualifications they possess. They are unwilling to do so where such openings do exist.

A third group of propositions remains to be considered concerning the subject of wages. They may be thus stated:

(1) Wages in domestic service vary in different sections according to the economic conditions of the several localities.

TABLE VII
Average Weekly Wages by Geographical Section

Geographical Section Average Weekly Wages
Men Women
Pacific coast $7.57 $4.57
Eastern section 8.68 3.60
Middle section 7.62 3.21
Western section 6.69 3.00
Border section 4.86 2.55
Southern section 3.95 2.22
United States $7.18 $3.23

This principle is illustrated by Table VII on the preceding page based on a classification of the returns received through individual schedules relating to 2,545 employees.

The difference indicated apparently conforms to the general variation in wages in different sections indicated by the Fourth Annual Report of the Commissioner of Labor,[207] and by examination of a considerable number of reports of various state bureaus of labor. The slight exception in the case of the wages of men on the Pacific coast is accidental, owing to the small number of returns.

(2) Skilled labor commands higher wages than unskilled labor.

This will be evident from Table VIII on the following page based on the schedules received from employers and employees and the returns from a Boston employment bureau.

In every instance it is seen that it is the skilled laborer—the cook—who commands the highest wages. The general servant who is expected to unite in herself all the functions of all the other employees named in the list becomes, on account of this fact, an unskilled worker, and, therefore, receives the lowest wages. The same principle holds true in the case of the seamstress and the laundress, the gardener and the choreman. It is difficult to make a deduction in the case of men employed in household service, since no universal custom prevails, as with women employees, in regard to adding to the wages paid in money, board, lodging, and other personal expenses.

TABLE VIII
Average Weekly and Daily Wages by Occupations

Occupation Weekly Wages
General schedule of Boston
employment
bureau
Employer Employee
Women
Cooks $3.80 $3.64 $4.45
Parlor maids 3.94
Cooks and laundresses 3.50 3.27
Chambermaids 3.31 3.47 3.86
Waitresses 3.23 3.15 3.76
Second girls 3.04 3.27 3.34
Chambermaids and waitresses 2.99 3.21
General servants 2.94 2.88 3.16
Men
Coachmen 7.84
Coachmen and gardeners 6.54
Butlers 6.11
Cooks 6.08
Daily Wages
Women
Seamstresses $1.01
Laundresses .82
Men
Gardeners 1.33
Choremen .87

A corollary to the proposition may be added. The skilled laborer is a better workman than the unskilled laborer. The question was asked of employers, “What is the nature of the service rendered? Is it ‘excellent,’ ‘good,’ ‘fair,’ or ‘poor’?” The replies show that in proportion to the number of answers the largest percentage of service characterized as “excellent” is rendered by cooks, while the largest percentage characterized as “poor” is given by the general servants. These are, it is true, matters of opinion; and without a fixed standard, which it is impossible to secure, such judgments can have no absolute value. But the fact is of interest as showing the opinion of a large number of housekeepers. The following table will show the results in regard to these two classes of employees:

TABLE IX
Nature of Service rendered

Occupation Total number of replies Not answered Kind of Service rendered
Excellent Good Fair Poor
Number Per cent Number Per cent Number Per cent Number Per cent
Cooks 262 30 83 32 113 43 58 22 8 3
General servants 585 53 151 26 221 38 177 30 36 6

(3) The foreign born in domestic service receive higher wages than the native born.

This was found to be true in every class of occupations, in every section, in the case of both men and women, and in the returns made by both employers and employees. But two trifling exceptions were found, both accidental. The principle cannot of course be stated absolutely as the facts at command are far from exhaustive, but so striking a uniformity cannot be considered purely accidental. An explanation is found in three facts: (1) the preference of the foreign born for the large cities, where wages in domestic service are higher than in the country; (2) the large proportion of negroes among the native born; (3) the relatively better class of foreign born than of native born women who enter domestic service. This statement must be made somewhat dogmatically here, since its proof demands a discussion of the entire subject of the unwillingness of native born women to enter domestic service.

(4) The wages of men engaged in domestic service are higher than the wages of women.

This will be evident by reference to Table VII and to Table VIII. Two things, however, must be borne in mind: first, that nearly all the men classified as cooks are employed on the Pacific coast, where wages are relatively high; second, that forty per cent of the men in domestic service do not receive board and lodging in addition to wages in money, while only two per cent of women so employed, principally laundresses, do not receive board and lodging. But although these facts modify the discrepancy between the wages of men and women, they do not wholly remove it. Whether the difference is as great as in other occupations cannot be stated.

(5) A tendency is found towards an increase in wages paid by employers, as is seen in Table X on the following page.

An interesting historical illustration of the same fact is given in a summary of wages and prices in Massachusetts from 1752 to 1860. In 1815, the first time the work of women is mentioned specifically, domestic servants received with board $.50 per week, while at the same time women were able to earn as papermakers $6.50 a week.[208]

TABLE X
Comparison of Wages paid

Wages paid Number Per Cent
Men Women Total Men Women Total
Same as last year 414 1638 2052 87.72 79.02 80.63
More than last year 54 368 422 11.44 17.75 16.58
Less than last year 4 67 71 .84 3.23 2.79

(6) The wages received in domestic service are relatively and sometimes absolutely higher than the average wages received in other wage-earning occupations open to women.

A comparison may be made between the wages received by domestic employees and by two other classes—teachers in representative city schools and the wage-earning women included in the investigations made by the Commissioner of Labor. As illustrating the wages received in domestic service, the following tables are given, showing (1) the classified weekly and daily wages received and (2) the average weekly and daily wages with the percentages receiving more or less than the average. These facts are taken from the general schedules. Similar tables are given showing a somewhat higher rate of wages in all domestic occupations in the special city of Boston.

TABLE XI
Classified Daily and Weekly Wages by Occupations

Occupation Under $1 $1, but under $2 $2, but under $3 $3, but under $4 $4, but under $5 $5, but under $6 $6, but under $7 $7, but under $8 $8, but under $9 $9, but under $10 $10, but under $11 $11, but under $12 $12, but under $13 $13, but under $14 Over $14 Total
Schedule of Employers Earning Weekly
Women
General servants 1 33 251 276 39 5 1 606
Second girls 17 50 76 18 4 1 4 170
Cooks and laundresses 4 21 70 41 5 141
Cooks 4 6 38 104 86 31 7 3 1 280
Chambermaids and waitresses 2 9 44 69 7 2 133
Chambermaids 1 6 18 45 18 4 92
Waitresses 3 43 32 23 2 103
Nurses 1 11 30 46 18 9 6 4 125
Housekeepers 1 2 1 4
Total 9 89 495 619 252 62 8 11 1 3 5 1,654
Men
Butlers 3 2 5 3 8 6 4 3 6 2 1 1 44
Coachmen and gardeners 2 7 11 18 22 21 3 12 10 11 4 1 1 123
Coachmen 1 5 8 10 14 17 3 9 12 7 11 3 6 3 109
Cooks 1 1 3 2 3 3 1 3 17
Total 7 14 25 34 46 47 13 25 31 20 16 4 8 3 293
Schedule of Employers Earning Daily
Women
Laundresses 123 121 244
Seamstresses 48 51 6 105
Total 171 172 6 349
Men
Gardeners 26 87 8 1
Choremen 24 14 1
Total 50 101 9 1 161
Schedule of Employees Earning Weekly
General servants 1 16 152 187 24 3 383
Second girls 11 18 10 39
Cooks and laundresses 4 6 22 13 45
Cooks 1 3 20 39 23 11 3 1 101
Chambermaids and waitresses 6 15 1 1 23
Chambermaids 1 7 9 6 1 1 25
Waitresses 2 14 16 1 2 1 36
Nurses 1 5 10 1 1 18
Housekeepers 2 1 1 4
Total 2 27 221 318 80 19 4 1 1 1 674

TABLE XII[209]
Average Weekly and Daily Wages by Occupations

Occupation Person replying
Employer Employee
Average weekly wages Per cent receiving more than average Per cent receiving the same or less than the average Average weekly wages Per cent receiving more than average Per cent receiving the same or less than the average
Women
General servants $2.94 52.97 47.03 $2.88 55.87 43.13
Second girls 3.04 40.00 60.00 3.27 53.85 46.15
Cooks and laundresses 3.50 43.97 56.03 3.27 53.33 46.67
Cooks 3.80 45.71 54.29 3.64 43.56 56.44
Chambermaids and waitresses 2.99 58.65 41.35 3.21 52.17 47.83
Chambermaids 3.31 47.83 52.17 3.47 32.00 68.00
Waitresses 3.23 43.69 56.31 3.15 44.44 55.56
Nurses 3.53 36.00 64.00 3.03 33.33 66.67
Housekeepers 5.15 25.00 75.00 5.15 25.00 75.00
Total $3.23 47.88 52.12 $3.11 50.95 49.05
Men
Butlers $6.11 50.00 50.00
Coachmen and gardeners 6.54 44.72 55.28
Coachmen 7.84 46.79 53.21
Cooks 6.09 47.06 52.94
Total $6.93 46.42 53.58
Average daily wages
Women
Laundresses $0.82 53.28 46.72
Seamstresses 1.01 39.05 60.95
Total $0.90 49.00 51.00
Men
Gardeners $1.33 56.56 43.44
Choremen .87 43.59 56.41
Total $1.29 53.42 46.58

The following tables show the classified and average wages paid in the principal occupations as reported by a Boston employment bureau:

TABLE XIII
Classified Weekly Wages by Occupations

Occupation Earning Weekly
$1, but under $2 $2, but under $3 $3, but under $4 $4, but under $5 $5, but under $6 $6, but under $7 $7, but under $8 $8, but under $9 $9, but under $10 $10, but under $11 Total
General servants 8 183 577 143 3 914
Second girls 2 41 363 69 475
Cooks 1 3 39 347 145 28 4 3 4 574
Chambermaids 3 40 37 2 82
Waitresses 4 29 16 1 50
Parlor maids 11 45 1 57
Nursery maids 7 45 119 57 3 1 1 233
Laundresses 1 9 27 15 1 53
Total 18 280 1,187 741 170 30 5 3 4 2,438

TABLE XIV
Average Weekly Wages by Occupations

Occupation Average weekly wages Per cent receiving more than the average Per cent receiving the same or less than the average Highest wages received Lowest wages received Total number
General servants $3.16 40.5 59.5 $5.00 $1.50 914
Second girls 3.34 62.2 37.8 4.50 1.50 475
Cooks 4.45 50.0 50.0 10.50 1.00 574
Chambermaids 3.86 57.4 42.6 5.00 3.00 82
Waitresses 3.76 48.4 51.6 5.00 2.50 50
Parlor maids 3.94 80.4 19.6 5.00 3.50 57
Nursery maids 3.26 51.3 48.7 7.00 1.00 233
Laundresses 4.44 44.4 55.6 6.00 2.00 53
Total 2,438

It is seen from Table XII that the average weekly wages in domestic service are $3.23—a fair average in this case, since forty-eight per cent receive more than the average and fifty-two per cent the same or less than the average. The average domestic employee, therefore, is able to earn in money during the year $167.96—a fair estimate, since in seventy-five cases out of every hundred the vacation granted women employees during the year is given without loss of wages.[210] This forms, however, but a part of the annual earnings. To this sum must be added board and lodging, fuel and light. For the equivalent in quality and quantity to that furnished by the employer the employee would in general be obliged to pay for board, lodging, and other incidental expenses at a reasonable estimate five dollars per week, or $250 annually, deducting board for two weeks’ vacation. The total annual earnings of a domestic employee, therefore, amount to nearly $420. To this the negative facts must be added that there is no expense for laundry work, and that the work involves few personal expenses in the way of clothing, and that these necessary expenses are often partially met through gifts from the employer. Again, the position entails no expenditures for car fares in going to and from work, or other demands such as are made in a business way by other occupations, and it involves no outlay for appliances for work, as a sewing-machine, type-writer, text-books, etc. Moreover, no investment of capital is necessary in learning the principles of the work, since employers have thus far been willing to make of their own homes training-schools for employees. The domestic employee is therefore never obliged to pay back either the capital invested in preparing for her work or the interest on that amount. It thus seems possible for the average household employee to save annually nearly $150 in an occupation involving no outlay or investment of capital in any way, and few personal expenses.