[Illustration:

  OCTAVIA HILL _From a Painting by Sargent_
]




                         GOOD HOUSING THAT PAYS
           A STUDY OF THE AIMS AND THE ACCOMPLISHMENT OF THE
                        OCTAVIA HILL ASSOCIATION
                               1896–1917


                                  _By_
                           FULLERTON L. WALDO


                             PHILADELPHIA:
                            THE HARPER PRESS
                       1012–20 CHANCELLOR STREET

                                  1917




                             COPYRIGHT 1917
                                   BY
                        HARPER PRINTING COMPANY


                      PRINTED IN THE UNITED STATES




                           TABLE OF CONTENTS


                                   I
                                           PAGE
                        FOREWORD              7

                                  II
                        OCTAVIA HILL         11

                                  III
                        THE ASSOCIATION      21

                                  IV
                        DAYS AFIELD          77

                                   V
                        DOES IT PAY?        103

                                  VI
                        APPENDICES      111–121

                        INDEX               123




                         LIST OF ILLUSTRATIONS


                                                                    PAGE

 Portrait of Octavia Hill                                   Frontispiece

 A court improved                                                     20

 Calling for a change                                                 23

 Montrose Street                                                      29

 Casa Ravello                                                         35

 Monroe Street                                                        41

 Workman Place                                                        45

 Workman Place—Interior view of yard                                  47

 Interior view of Workman Place                                       49

 East Rittenhouse St., Germantown                                     53

 East Rittenhouse St., rear, after improvement                        55

 New Houses—East Rittenhouse St. property                             57

 Plan of dwellings for the Philadelphia Model Homes Company           61

 Plans of Richmond Houses                                          62–64

 Houses of the Richmond Group—Playground in the rear                  67

 Gaul St. houses, Richmond Group                                      69

 Chart showing the increase in the number of properties
   owned by the Octavia Hill Association from 1896 to 1915            73

 Philadelphia homes altered to tenement houses                        79

 Franklin Court before renovation                                     87

 Franklin Court after renovation                                      89

 Court of North Third St. property before renovation                  97

 Court of North Third St. property after renovation                   99




                                   I
                                FOREWORD


Philadelphia is called the City of Homes with good reason. Come into her
ample confines from any point you please and you see row upon row of
little two-story, stone-stepped houses of red brick, perhaps with a
grass-plot front or rear, shade trees in a singular variety, and a
certain distinctive contentment and prosperity in the very air above the
myriad simmering chimneys.

For all her malodorous misgovernment of time past, whose survivals are
being eradicated step by step, with a long stride forward for each
disheartening setback, it is a crowning glory of Philadelphia that
thousands upon thousands of these little houses have held their own all
these years, instead of the teeming, noisome rookeries that are the bane
of many another metropolis.

A million people—more than half the population—live in single dwellings.

There are tenements, of recent origin: there is in prospect a tenement
problem. But the satisfaction of the developed instinct of the
home-builders and housekeepers of Philadelphia does not lie in the
direction of the sky-scraping multiple dwelling, which replaces a front
porch with a fire-escape, makes a box of geraniums or a rubber-plant do
duty for a garden, festoons the vista between towering walls with “the
short and simple flannels of the poor,” and suspends the growing child
like Mahomet’s coffin half-way between a clouded heaven of grimy
skylight or gravelled roof and the cluttered inferno of the pavement far
below.

Philadelphia families, accustomed to think of health and comfort largely
in terms of the upgrowing generation, prefer privacy to promiscuity, and
love their own vine and fig-tree, rising from the ground level, with the
tenacious affection that attaches to a patriarchal inheritance. Where
the individual home is an impossible luxury, the multiple dwelling that
is reared must recognize the right of the family to every procurable
blessing and convenience of the single house.

The pages that follow describe the effort of a thoughtful group of
Philadelphians to provide cleanly homes and a healthy environment for
families in modest circumstances or in self-respecting poverty. This
effort—now twenty-one years old—has outgrown the stage of experiment,
but it never will deny new light nor wholly abandon, however it may
adapt, the ideals that are Octavia Hill’s own spiritual legacy. Who this
great and good woman was and what she did for humanity are explained in
the opening chapter. The life-story of the work in Philadelphia that
perpetuates her name and her influence is next set forth. The reader is
then taken into the places where the Association has labored to clean
out and to build up in order that sun and air and running water may
perform their medicinal offices for body and soul together; that germs
and vermin may be routed with the dirt that breeds them; that babies may
have a chance to grow into decent and useful citizens; that a sense of
neighborliness and interdependence may be fostered even among those
whose nationality, religion and language are diverse.

From first to last this is an enterprise of business, and not of
charitable dole. We therefore are given to see the “friendly
rent-collector” going from door to door, gently but firmly insisting
upon payment when the stipulated sum falls due. We find her lending an
ear as “guide, philosopher and friend” to a wide category of troubles
great and small—none too large and none too minute for her fearless and
sympathetic consideration. She does not give alms. She makes no vague
and lavish promises of benefits to fall like manna from the skies. She
bestows aid upon those who help themselves. She is a walking delegate,
not of insurrection and discontent but of courage and self-respect, and
the inculcation of thrift and cleanliness and personal responsibility.

We are taken on his rounds with the Superintendent, whose function is
the oversight of the work of tearing down and building up, of
constructing and of reconstructing, in all its phases. We see that a
great deal of the effort of the bricklayer and the carpenter, the
plasterer and the plumber, under this shrewd and constant oversight goes
to the rebuilding of old houses, and the adaptation of decadent
dwellings to the modern advantage of those who have suffered under
conscienceless and grinding owners, mindful of profit only.

The work of the Association in the capacity of agent for properties it
does not hold is set forth, and the question of the worth-whileness of
the undertaking is finally considered.

The writer has been aided without stint at every turn by those whose
names appear in the text, and whose self-effacement precludes a proper
acknowledgment of their help. He will remember always the mothers and
fathers and children met in the course of his social exploration from
house to house. He has merely written this little book: they have been
the making of it.

 PHILADELPHIA,
     September 1, 1917




                                   II
                              OCTAVIA HILL

                   December 3, 1838–August 13, 1912.

              “Let us be gentle, because we know so little.”

                                     —Letter to my Fellow-Workers, 1879.

  “But, if you let one touch of terror dim your sight, and flinch before
  the most terrible upheaval of rampant force, or threat; if, for
  popular favor, or seat at board, or success on platform, you hesitate
  to speak what you know to be true, then shall your cowardice and your
  ambition be indeed answerable for consequences which you little dream
  of.”

                                                            —Ibid, 1889.


Many a Browning Society has little to do with Browning, and many a
reading circle takes Shakespeare’s name in vain: but in the case of the
Octavia Hill Association there is so close a correspondence between the
work and the practical idealism of the woman whose name it bears that a
study of her career of service to humanity in England and thus
throughout the world sheds light upon the organized and incorporated
effort in Philadelphia.

Octavia Hill was the eighth daughter among eleven children of James Hill
of Peterborough. Her mother was the third wife of Mr. Hill, who
inherited his father’s successful business as corn-merchant and upon the
proceeds came to grief as a banker. Altruist, reformer and book-lover,
the financial panics of 1825 and 1840 were too much for him. Upon his
mental and physical collapse, Octavia’s mother took her daughters to a
cottage at Finchley, provided by her father, Dr. Southwood Smith, the
noted sanitarian.

When Octavia was thirteen, her mother removed to London to become
manager of a Guild for the employment of women. One of the workers at
the Guild lent Octavia books and pamphlets on the life of the poor,
which so greatly depressed her that “she began to think that all
laughter or amusement was wicked.”

But she was cured of that delusion when she was given an active part in
the work of the Guild, and found how necessary fun and frolic are to
relieve the monotony of working lives.

The little Octavia was put in charge of a work-room in which girls of
about her own age made toys. Since she was poor herself, she realized to
the full their lives of drudgery and hardship, and she did all she could
to make them happy. Some years later she wrote of this period: “We were
so very, very poor, and home was like a little raft in a dark storm,
where the wonder every day was whether we could live through it; and now
the sea looks calm, even if there are waves; and we have leisure to look
at the little boat in which we sail. I wonder if it will ever be painted
with high colors.”

It was at about this time that Octavia asked Ruskin to teach her
drawing; and his assent brought a new and a constraining influence to
bear on all her life. “I would give years,” she wrote after the meeting,
“if I could bring to Ruskin ‘the peace which passeth all
understanding.’” Ruskin told her she was “far more accurate” than any of
his college pupils. No wonder Ruskin, the artist and ameliorist at once,
found her an apt pupil, taking fire from the gleam of his own restless
inspiration.

An address by Kingsley, delivered before an association of women created
to promote sanitary reform, helped Octavia, at twenty, to visualize her
objective. Kingsley adverted to the fact that small houses were passing
more and more into the possession of individuals, and declared that
legislation must recognize the fact. “He was not going into the question
here; it would have to be attended to, but it seemed a great way off.
Therefore he hoped women would go, not only to the occupiers, but to the
possessors of the house, and influence people of ‘our own class.’”

In this, her summary of the speaker’s somewhat vague and not
over-optimistic conclusions with regard to the possibility of
legislative action, Octavia seems to be feeling a challenge to the
deepest in her nature, and to a maturing if not a finally fixed
conviction.

At the end of 1860, just after Octavia’s twenty-second birthday, came an
event of moment—one of the great crises in her life, her biographer
styles it—in the removal to 14 Nottingham Place. She arranged to have
poor women come to the house weekly to sew. One night a woman fainted,
and Miss Hill’s sympathetic inquiry elicited the fact that she had not
slept the previous night; she had been washing clothes and rocking the
baby’s cradle at the same time with her foot.

Miss Hill called at the poor woman’s home next day, and found that it
was a damp, unsanitary kitchen.

She then tried to find other and better quarters, but there was no place
where they would take the children. She was given in her quest to
realize that at her very door there were squalid, teeming homes like
those from which the little toy-workers came; and she brooded upon the
sorrowful fact.

Under the cloud she came to Ruskin to bring him some of her drawings.
She found him in a pessimistic frame of mind.

“I paint, take my mother for a drive, dine with friends, or answer these
correspondents,” he said, as he pulled out some letters from his pocket,
“but one longs to be doing something more satisfying.”

“Most of us feel like that at times,” ventured the devoted pupil.

“Well, what would you like to be doing?” was Ruskin’s reply.

“Something to provide better homes for the poor,” was the girl’s answer.

Ruskin wheeled sharply about in his chair.

“Have you a business plan?” was his challenge.

Then and there Octavia Hill’s life-work was born.

Ruskin told her he had no time to attend to the details of management as
landlord, but he said he would buy a tenement house if she would run it
for him.

He wanted five per cent. on his investment. He didn’t care for the
money, he said, but he thought others would be far more likely to follow
the example set if the enterprise were put on a business basis from the
start.

“Who will ever hear of what I do?” exclaimed Octavia.

But she entered whole-heartedly into the fulfilment of the suggestion,
and said she would do her best to make the scheme pay.

Then began the long, long search for a house, with a garden, where she
might create modest and wholesome apartments for the poor. Landlords and
agents as soon as they learned what she was after interposed all manner
of objections.

In answer to one of these heartless rebuffs Octavia exclaimed: “Where,
then, _are_ the poor to live?”

“I don’t know,” said the agent. “I only know they’ve got to keep away
from the St. John’s Wood Estate.”

In the spring of 1865, she was able to announce triumphantly that Ruskin
had bought for her, for a term of fifty-six years, three houses in a
court close by. The tenants came with the houses. She had schemes for
the recreation of the children, and she meant to secure a playground for
them. “The plan promises to pay; but of this I say very little; so very
much depends on management, and the possibility of avoiding bad debts.”
To Mrs. Shaen, wife of the lawyer who negotiated the sale, she wrote
presently: “The money part is very regular and simple, just so much paid
into Ruskin’s bank each quarter; but to me the work is of engrossing
interest. We have three houses, each with six rooms; and we have managed
gradually to get the people to take two rooms, in many cases.” The
garden had come with Ruskin’s enthusiastic purchase of six more houses;
and the cup of the busy landlady’s satisfaction is filled to
overflowing. “The children seem to have so few joys, and they spring to
meet any suggestion of employment with such eagerness, instead of
fighting and sitting in the gutter, with dirty faces and listless,
vacant expression. I found an eager little crowd threading beads last
time I was in the playground. We hope to get some tiny gardens there;
and Ruskin has promised some seats. I hope to teach them to draw a
little; singing we have already introduced. On the whole, I am so
thankful, so glad, so hopeful in it all; and, when I remember the old
days when I seemed so powerless, I am almost awed.”

Here we see in embryo several present day social movements of wide
outreach, all at once:—the suggestion and direction of children’s games;
the cultivation of home and school gardens; community singing.

The new owner found the houses occupied—to quote her own words—“by a
desperate and forlorn set of people; wild, dirty, violent, ignorant as
ever I have seen.”

“I worked on quite alone about it,” she tells us, “preferring power and
responsibility and work, to committees, and their slow, dull movements.”

But as soon as she let her friends know what she was doing, they rallied
in force to her assistance.

Presently in the crowding multiplicity of detail her life became, she
tells us, “a fight for mere existence. References, notices, rents,
repairs, the dry necessary matters of business, take up almost all time
and thought; only”—and here comes the saving clause—“as, after all, we
are human beings, and not machines, people round, and all we see and
hear, leave a kind of mark on us; an impression of awe, or pity and
wonder, or sometimes love.”

“Here I am,” she writes in another letter of about the same date, “head
and ears deep in notices about dustmen, requests for lawyers to send
accounts, etc., etc.... I’ve just come in from a round of visits to the
nine houses; and somehow it’s been a day of small worries about all
sorts of repairs, and things of that kind. It is only when the detail is
really managed on as great principles as the whole plan, that a work
becomes really good.” That last sentence holds the vital germ of Octavia
Hill’s own philosophy, living on in the work of the Association that
bears her name.

Instead of giving alms she gave herself. The student of her work cannot
fail to note how sedulously she refrained from handing out money when
that would have been the easiest thing to do. In 1869 she had read a
paper before the Social Science Association on “The Importance of Aiding
the Poor Without Alms-giving,” and on this point she was obdurate. Even
her strong champion Ruskin was unwilling to go all the way with her in
this policy, and he shrank from contact with the ugliness that she met
to give it battle day after day.

The Artisans’ Dwelling Act in 1875 was a great parliamentary victory for
housing reform, and it was in large part Miss Hill’s victory. Moreover,
the Committee which investigated the operation of the Act five years
later owed much to Miss Hill’s continued cooperation. This is the period
of the specialized effort of Miss Hill in behalf of Open Spaces. When
the bill for the artisans’ houses came up for its second reading in the
House Miss Hill was present, tremulously eager of course to behold its
reception and to know its fate. Suddenly, to her intense gratification,
a speaker brought forward an article she had written for Macmillan’s
Magazine.

“Instead of quoting dry facts and figures, he read aloud from it the
description of the wonderful delight it gave me to see the courts laid
open to the light and air.”

It may be remarked that no compilation of facts and figures will ever
convey a fair idea of the work of Miss Hill or the work of the Octavia
Hill Association.

By 1877 Miss Hill’s work had grown till it concerned the welfare of
3,500 tenants and the prudent husbandry of some $200,000 in trust funds.
Lord Pembroke gave Miss Hill $30,000 to buy houses, and paid a worker.
Then she had to go away to rest, and the years from 1878 to 1880 were
spent chiefly in travel, that took her to the Levant, though she kept in
contact with her ruling passion by intimate and affectionate
correspondence.

Upon her final return she was asked by the Ecclesiastical Commissioners
to undertake the management of much of their property in Southwark. She
accepted the charge. She began the successful movement which lasted six
years, from 1883 to 1889, to add Parliament Hill, and a tract adjoining,
to Hampstead Heath. This achievement must stand among her greatest
benefactions to humanity. It meant obtaining $1,500,000 by private gift
and municipal appropriation, and not merely saving a great playground of
the poor but doubling its area.

She took charge of forty-eight houses in Deptford, in South London, in
1884, and in 1885 accepted the responsibility for seventy-eight more in
the same region. In 1887 the number of tenants had increased to 5,000.
The Red Cross Cottages and Garden in Southwark opened in June of this
year are salient examples of Miss Hill’s magic wand in ousting ugliness
and creating graciousness and beauty in its place. The hall, designed
for music and other neighborhood entertainment, has unusual decorations
by Walter Crane, representing just such actions of peaceful heroism as
any one of us, at any time, might be called on to perform. The first
picture was that of Alice Ayres, a servant girl, who saved children from
a fire in Southwark. Since the heroine came from their own walk in life,
and was known to some of them, the tenants felt a living link of
interest with the painting.

The burden of the Deptford Cottages was progressively taken over by an
enlarging number of assistants. Though many of these were volunteers,
since Miss Hill never surrendered her belief in the system that brought
women of refinement and leisure into contact with those whose lot was
toiling poverty, the desirability of the service of professional
supervisors was recognized, and over each group of houses as served by
the volunteer assistants there was set a paid worker to direct the
collection of the rents and all the diversified effort for the welfare
of the tenants.

After a time these head women and their charges, while they never ceased
to look to Miss Hill for guidance and inspiration, became more and more
independent of her actual oversight, and as they gained confidence and
knowledge the work became progressively decentralized.

Miss Hill was one of the pillars of the Kyrle Society, created by her
sister Miranda, which sought to bring beauty into the lives of the poor,
to secure open spaces, and to convert city burial grounds in congested
areas to the uses of the living. She was a prime mover in the Charity
Organization Society, earnestly striving to keep before that body the
paramount importance of personality in charity, and the influence of
enthusiastic and warmhearted individual effort for individuals. She was
a member of the Women’s University Settlement in Blackfriars’ Road. She
was one of the founders of the National Trust for Places of Historic
Interest or Natural Beauty. She was a member of the Royal Commission on
the Poor Laws. She saved land along the banks of the River Wandle from
desecration, for the perennial joy of the poor. After her “Homes of the
London Poor” had been translated into German by Princess Alice, the
Octavia Hill Verein was formed in Berlin. Edinburgh, Glasgow and Dundee
took counsel with her, and installed her methods in groups of houses
municipally controlled. The housing system in Amsterdam was influenced
by her work, and traces of it are to be found in Sweden. Students of her
methods came from near and far to be instructed. The effort of such
women as Ellen Collins and Josephine Shaw Lowell in New York gladly
acknowledged the impress of Miss Hill’s ideals.

Aside from her personal correspondence, the record of beneficent
activity is to be found in her two volumes, “Homes of the London Poor,”
and “Our Common Land,” and in the series of annual “Letters to My
Fellow-workers,” privately circulated, which began in 1873 and continued
until December, 1911.

“The main tone of action,” she affirms, in “Homes of the London Poor,”
“must be severe. There is much of rebuke and repression needed, although
a deep and silent under-current of sympathy and pity may flow beneath.
If the rent is not ready, notice to quit must be served.”

An all-important factor is the “friendly rent-collector” who, while firm
in her insistence upon prompt payment of the rent, forms a living link
of sympathy and perception between the landlord or landlady and the
tenant, and among the tenants themselves. The thorough training of this
collector is essential, and for this training Miss Hill left minute
prescriptions.

In her Letter for 1879, Miss Hill says,—and she repeats the passage in
the Letter for 1896,—“All the smoky chimneys, broken water-pipes,
tiresome neighbors, drunken husbands, death, disease, poverty, sin, call
not only for your sympathy but for your action.”

“You cannot deal with the people and their houses separately. The
principle on which the whole work rests, is that the inhabitants and
their surroundings must be improved together,” she writes in “Homes of
the London Poor.”

Miss Hill wanted trees planted and vines trained against the houses, and
gardens wherever possible. She cites with approval the example of
children who thrust flowers in a crevice in the wall, to make it, as
they said, “like it was the day we had the May-pole.” “A bunch of
flowers brought on purpose,” is mentioned among the gifts that are not
destructive of independence, and that assist what she beautifully calls
the “return to the old fellowship between rich and poor.” “She takes
them flowers” is part of her commendation of one of her friends who went
tactfully among her people. In a touching Letter she speaks of widows
who came home from a country outing with wild flowers to surprise the
children when they woke in the morning.

She pleads for organized, directed play, in behalf of children “wholly
ignorant of games,” who “have hardly self-control enough to play at any
which have an object or require effort.” She holds that there must be
play supervisors for a playground she has started, and “these I hope to
find more and more.”

In one of the Letters she asks for public music definitely planned and
schooled. “I hope that we may have a more organized body of singers, led
by a conductor whom they know, and ready to sing in out-of-the-way
places.” In another Letter she refers to the value of uplifting music on
Sundays, and of a violin class.

Of a cadet corps for the boys she heartily approved. “There is no
organization which I have found influence so powerfully for good the
boys in such a neighborhood.” The Boy Scouts of today would have been to
her a cause for devout thanksgiving.

In the Letter for 1907 she gives it as her belief that the work of
agency in the management of properties for others is destined to expand
significantly. This, of course, has become a most important part of the
work of the Octavia Hill Association.

With each of the Letters there appears a financial balancesheet reduced
to simplest terms of receipts and expenditure. Behind these items, she
declares, are “trembling hopes and fears about each individual.”

The book “Our Common Land” sets forth chiefly Miss Hill’s views on the
vital issue of open spaces,—“open air sitting-rooms” she called them.
She yearns to bring the people at large into the air and the light of
day. The two great wants in the life of the poor are the want of space
and the want of beauty. She has much to say of the mortmain of the city
graveyard that keeps the living out of an available breathing space.

The last decade of Miss Hill’s life saw the fruition of the years of
anxiety and uncertainty, but there was no cessation of labor. “Up to
within three days of her death,” writes her biographer, “she continued
to see her friends and fellow-workers, using to the utmost her failing
strength, and endeavoring to arrange for the efficient carrying on of
the many works in which she took such a keen interest.” When they told
her that the end must be, she said, thinking only of her work, “I might
have given it a few more touches, but I think it is nearly all planned
now, very well.” On the night of August 13, 1912, in the words of her
beloved Chaucer, her “spirit changed house.”

          “O human soul! as long as thou canst so
          Set up a mark of everlasting light
          Above the howling senses’ ebb and flow,
          To cheer thee, and to right thee if thou roam—
          Not with lost toil thou labourest through the night!
          Thou mak’st the heaven thou hop’st indeed thy home.”

[Illustration:

  A COURT IMPROVED.
]




                                  III
                            THE ASSOCIATION


Any enterprise of social amelioration has its doubting Thomases and its
Job’s comforters to contend with at the beginning, and the Octavia Hill
Association has not been exempt from the need of explaining why it
should exist, and why good citizens should uphold its ministration.

There are terrible homes for the underworld of Vienna called
“Massenhotels.” It is a common experience to find twenty or thirty
people of both sexes living in one room, each occupant paying ten cents
a week for a quarter of a bed. Sometimes the room is windowless. Disease
is rife, and the stench of the filthy bodies and the filthy clothing
that clutters the rotting walls is intolerable.

“Thank God we have nothing like that here in Philadelphia!” exclaimed a
good woman, throwing up her hands at this description. “It’s too bad
that they can’t have the Octavia Hill Association in cities that need it
more.”

But these festering, sweltering Poles, Jews, Slovaks and Croats of
darkest Vienna are the submerged ones of a capital whose municipal motto
is “On with the Dance;” whose name is the synonym of gayety and folly.
These miserable folk, who call a little thin potato soup and a
thimbleful of bad brandy a square meal, may have reached a lower stratum
of existence than most Americans have seen. Does that excuse a
complacency that takes it for granted that whatever is out of sight
under the lid in Philadelphia, San Francisco, Chicago or New Orleans is
all right?

Philadelphia has a Civic Club that has been a blessing to the city in
its work for the reign of law, through the virtuous energizing of good
women. It has battled for everything that makes for better conditions of
housing and of living in a city. The list of good works it has brought
out of dreamland into the light of common day is as diversified as the
life of the great city which the persistent effort of this Club has
sweetened and ennobled. It was but natural that the Octavia Hill
Association should have its genesis among friends in council who met in
the hospitable quarters of the Club in the winter and spring of 1895–96
to study the large and many-angled problem of fair play for the
metropolitan poor.

There had been previous efforts, such as that of the Benevolent Building
Association of 1865, to provide bright and cleanly dwellings for
families of limited earning capacity. In 1885 a lending library for
children, in the heart of a negro district at Seventh and St. Mary
Streets, brought home to its benevolent promoters the need of a new and
improved order of living in the hovels where the books were circulated.
It was plain that a transformation was not to be wrought merely by the
magic of good books. People must take hold of people; life must come
into stimulating contact with life; the socially uplifted must discover
that the economically downtrodden were their neighbors. Mr. Theodore
Starr had already made an inspiring beginning near at hand. He had
bought and razed horrid eyesores of dwellings and had put up in their
place rows of well-built houses that appealed to a better class of
tenants. The result of his enterprise was felt throughout the region.
With the name of Theodore Starr, honoris causa, must be associated those
of Edith Wright Gifford and Hannah Fox. The latter not merely bought and
improved dwellings in this St. Mary Street district but personally
undertook their management upon the successful plan of Octavia Hill
which she so intimately understood. When she had studied the local
problem in its practical aspects for several years, she met the beloved,
untiring altruist, Mrs. William F. Jenks and others in the conferences
mentioned, and in these sessions a report was discussed and prepared.
They then went before the Civic Club with the report, and asked for its
sanction and its furtherance. The Civic Club responded instantly and
whole-heartedly, and the Octavia Hill Association was formed as an
independent organization, to have for its specialized concern the
provision of homes of the right sort, for families of modest means.

[Illustration:

  CALLING FOR A CHANGE.
]

Cooperation became corporation, under the laws of Pennsylvania, June 25,
1896. Nathaniel B. Crenshaw was the first President; Frank H. Taylor was
chosen Treasurer, and Mrs. Thomas S. Kirkbride became Secretary. The
original Board of Directors comprised Miss Fox, Mr. Crenshaw, Mrs.
Jenks, Mrs. Kirkbride, and Mr. Taylor.

Mrs. Kirkbride—a tower of strength and of consecrated purpose in this
work as in all movements for the greater good of the greater number in
Philadelphia—expressed so perfectly the purpose of the new organization
in her first report as secretary, (January 1, 1897) that we cannot do
better than to use her statement here:

“The object of the Civic Club,” she wrote, “is ‘to promote by education
and active cooperation a higher public spirit and a better social
order.’ The Octavia Hill Association, although an independent
organization, works for the same higher spirit and better order, on its
own definite and restricted, but most important, lines. It sees in
insanitary, dilapidated, and overcrowded dwellings, influences which
lower the moral and the physical health of Philadelphia. Against these
evil influences it aims to enlist the cooperation of citizens who, well
housed themselves, desire the same advantage for less fortunate
Philadelphians. This cooperation is solicited on strict business
conditions, and it is believed that a safe investment of capital and a
fair rate of interest are offered.”

This first report announced that the modus operandi of the Association
would be “to refit old properties and small houses, first of all putting
in modern plumbing and so far as possible removing all unhealthful
surroundings.” The report then described that ideal of the community of
interest between landlord and tenant, realized through the friendly
rent-collector as the intermediary, which is the central and the most
inspiring feature of the personal phase of the undertaking. It was also
announced that the Association stood ready to assume the kindly
oversight of private property, to buy houses offered at a figure which
would not be prohibitive of moderately profitable purchase and
renovation, and to issue stock to subscribers. “The Association’s
strongest claim upon the confidence of the community,” it was declared,
“lies in the fact that its philanthropic interests are founded on true
business principles; its business interests upon the principles of a
sound philanthropy.”

Upon this platform devised twenty-one years ago, the Association has
stood, and continues to stand.

The stock company, empowered by its charter to hold, sell and lease real
estate, fixed the par value of the stock at the low figure of $25, so
that a great many persons might have a share and an active sustaining
interest therewith. The distribution of profits would thus be effected
easily, in the form of dividends on the capital stock. These dividends
for the first two years were 4½ per cent. per annum; the annual dividend
since that time has been 4 per cent. At the end of 1916 the outstanding
capital stock was $221,475, with an authorized capital of $300,000.
There was a surplus of about $16,000, and the usual dividend of 4 per
cent. was declared, payable February 1, 1917.

At the time of its incorporation as a stock company, the Association had
a capital of $20,000. Many of the original group of stockholders were
members of the Civic Club, who not merely subscribed but induced their
friends to subscribe, thus giving an effectual assistance in the
expansion of the Association that is beyond evaluation. At a special
meeting in November, 1898, it was voted to increase the capital stock to
$50,000. At the same meeting the number of directors was enlarged from
five to seven, and Miss Helen L. Parrish and R. Francis Wood were added
to the Board. In 1911, Miss Parrish became the secretary. She had
studied the work of Miss Hill in London at first hand for some months,
so that her experience has created a personal link across the seas
between the work of the altruist in London and that of the Association
here.

Again and again, since the original purchases were made, individual
members of the Board of Directors have assumed the management of
properties, and have found a keen personal satisfaction in collecting
the rents themselves and thus obtaining a first hand insight into the
work that could be obtained in no other way. They have accordingly
brought to the council-table a practical and detailed knowledge such as
few philanthropic administrators have gained from within. Each of the
directors is in active service on one of the Committees, which are those
of finance, new property, office-administration and rent-collecting,
construction, inspection. As the work grew out of the day of small
things, the increasing burden of executive supervision demanded the
whole time of a personal representative of the Board, and in 1908 a
superintendent was employed. Frederick C. Feld, a man of tact,
enthusiasm and technical knowledge, now fills this all-important office.
Miss Garrison, the chief rent-collector, has two regular and several
volunteer assistants, and brings to her work a rare combination of
sympathetic interest and the requisite firmness with the saving sense of
humor wherein philanthropists and reformers are so often—rightly or
wrongly—declared deficient.

The Association gladly accepts intelligent volunteer assistance, but it
believes also in the engagement of salaried employees who follow the
assured routine of professional occupation. There are a bookkeeper, a
stenographer, who has charge of the office, and a varying number of
mechanics in the jurisdiction of the superintendent. When the
Association began its work, the collectors depended for their stipend
upon a commission of 5 per cent. from the rents collected. The clerical
work was distributed among the directors and the treasurer’s office. The
first salaried employee was engaged in 1901; the employment of the
bookkeeper dates from 1907. It will be seen that the business affairs of
the Association rest upon a foundation not dependent on the continued
proffer of unremunerated aid. This is the basis which seems best, if the
system is to be universally applied and standardized. The problems of
housing and sanitation are day-in and day-out problems that require a
constant vigilance and not a divided interest or a sporadic enthusiasm
that can detach itself at pleasure from the object of its concern. The
work of volunteers is by no means undervalued in its unselfish service
to this Association. They have done, and are doing, admirable work. It
is a great relief to these volunteers themselves to feel that if they
must miss certain times and seasons, or withdraw altogether, the bottom
will not fall out of the beneficent enterprise with which they have been
identified.

Furthermore, if the Association is understood to be an honest and
legitimate competitor in the open market with other real estate
operators whose business is plain business, with no tincture of
philanthropy, it does not seem expedient to rely upon gratuitous service
in work for which the ordinary operator must carry a pay-roll. Such a
procedure, if the influence of an object-lesson is sought, does not
convince the dealer who is without philanthropic assistance that he can
live up to the standards of decency, comfort, and cheapness his
benevolent rival sets and still make a satisfactory profit.

It does not fall within the scope of this discussion to follow from
street to street or from one congested area to another each of the
separate acquisitions in the long list of purchases and leases which the
Association in the twenty-one years of its history has made, or to
recapitulate all the managerial responsibilities which, to the
gratification of the owners, it has from time to time assumed. But to
the acquisition and development of certain typical properties we may
profitably devote our attention, as symptomatic of what has taken place
with the entire number. We must bear in mind, moreover, the wise
principles of selection that have guided the Association in deciding
where to employ its little army of busy hands in tearing down and
building up, in redeeming foulness to fairness, in letting air and light
enter where these had long been strangers.

The Association has stipulated that the properties it took over should
be in need of reconstruction and improvement; that the price should be
sufficiently low to allow of the necessary repairs and still leave a
fair return on the sum invested; that the group dealt with should be
large enough to present a conspicuous object-lesson to the community.
Many a neighborhood must be—and is—a little ashamed to look itself in
the face, after regarding the spick-and-span aspect of the Association
improvement adjoining its unseemliness.

In the properties acquired by the Association in the older parts of the
city, these three types, speaking generally, are to be distinguished—the
house that was built for one family and is now occupied by several
families; the small, one family house on the narrow street or alley,
having a yard of its own; the three-room rear dwelling, set in rows of
from two to perhaps ten houses behind a house fronting upon a recognized
thoroughfare. With the latter type there may be two facing rows, at the
rear of two or three front lots. Or there may be a courtyard built round
three sides. In the control of the Association as agent are several
model tenements. It has erected a few small new houses, and will build
more of these in future, to an indeterminate extent. It has built one
large group of model houses for one or two families.

[Illustration:

  MONTROSE STREET. TYPICAL GROUP IN CONGESTED ITALIAN QUARTER. BRICK
    HOUSES IN FRONT REPLACED FRAME HOUSES BEYOND REPAIR. BEFORE
    RENOVATION TENANTS WERE DEPENDENT ON OPEN PRIVY VAULTS WITH
    INSUFFICIENT WATER SUPPLY AND THE EXTREME CONDITIONS OF NEGLECT AND
    DISREPUTE.
]

If the people living in an old house acquired by the Association are
law-abiding and respectable they are not disturbed. Sometimes it is
necessary to oust occupants whose room proves better than their company.

In July, 1896, title was taken to the first of its properties by the
Association—five houses near Seventh and South Streets. Four were small
houses, one was a several-family dwelling. These properties, after being
set in order, were profitably managed, and it would have been possible
to pay a dividend, but it was decided that it was better business for
the first year to establish a surplus with the proceeds.

In May, 1897, eight small houses on Fairhill Street and one on Lombard
were added to the Association’s property. The Fairhill Street houses
were in a colored neighborhood. In February, 1899, seventeen houses on
League Street came into the possession of the Association. These houses
needed and promptly received new plaster, new woodwork and paint. The
Association had League Street put on the city plan, and obtained the
introduction of an ordinance to secure proper drainage. As a result of
its purchase a kindergarten was started, with an average attendance of
thirty pupils, for the swarms of children in the neighborhood. It was
conducted by the Social Science Department of the Civic Club, with which
the name of Mrs. Edward Longstreth, a devoted servant of the public
weal, will ever be associated. Fairhill Street was repaved in 1899, no
doubt to keep pace with the new and progressive ownership of the eight
houses, and the water supply was increased by new pipe lines. Ten houses
of the Theodore Starr Estate—one a large dwelling with eight two-room
apartments—were put under Association management in this year.

Miss Parrish has made a study, “The Improvement of a Street,” published
as a tract by the Association, which describes the League Street
development. League Street formerly bore the somewhat significant name
of Reckless Street. It is between Front and Water Streets, and many of
the men—largely Irish—are boatmen, fishermen on the Delaware, or
longshoremen on the wharves. They have long slack seasons when they are
exposed to the loafer’s temptation of the gin-mill. In this neighborhood
the beautiful little Old Swedes’ Church, built in 1900 on the site of an
earlier block-house, is a landmark. In the green God’s acre of the
Episcopal sanctuary, with its quaint old parish buildings and the
sexton’s house, Alexander Wilson the famous ornithologist lies buried.

But ancient history or present picturesqueness meant little to the
brawling population outside the gate of the churchyard, where
switching-engines chugged along the docks and factory chimneys clogged
the air and iridescent surface drainage meandered from yard to yard and
made alleys pestilential. Foul privy-wells undermined the yards and the
foundations of the houses; the rafters had in many places rotted away;
the cellars were repositories of rubbish.

There was fine raw material here among the boys and men for a hand of
guidance and an inspiring personal presence—but most of it was very raw
indeed. The drink wrought mischief among the womenfolk too; the children
ran at large; the gangs of hoodlum boys played hide-and-seek with the
policemen to steal lead pipe, to shatter windows, to break into the
vacant houses and despoil them. Six of the houses taken by the
Association were unoccupied. Each house was in a deplorable condition.

The expenditure on these houses by the Association averaged $186.

The brickwork had to be painted; plumbing, painting, carpentering and
plastering were necessary. At first the tenants were often unruly and
irresponsible; fights were of frequent occurrence. Though the rents were
low—$6.50 to $10.00 a month—the tenants often fell behind in payment,
and there were many unprofitable “unlets.”

But with unwearied patience the Association strove to create among the
people in its houses a sense of thrift, of honor, of self-respect, even
of community spirit. It did not permit itself to be discouraged by
backsliding or ungratefulness. It fought on for the sake of the
regeneration not merely of seventeen houses but of a community, and in
1905 it was able to offer the remarkable result of $1432.00 paid in
rents out of $1445.50 due, with a return of 7½ per cent. on the
investment, after paying to the Association a commission of the same
percentage on the rents collected. A constant demand was created for the
houses. The average period of occupancy of the present tenants is seven
years and five months. The average net revenue has been nearly 6 per
cent. The result is as forceful evidence as could be presented of the
influence of the regular visits of the friendly rent-collectors. The
Southwark Settlement—a fine and flourishing organization doing a
splendid work near by—grew out of a play room and a Mother’s Club of the
Octavia Hill Association. In 1916 the Association bought, under-drained
and repaired the five remaining houses of the street.

But the Association did not confine its work within four walls. It took
a bare, depressing, ash-heap area 20 by 80 feet, added to it the site of
a house pulled down, and filled the vacancy—now known as the Hector
McIntosh Playground—with swings, games and a sandpile. An ice-water
fountain was placed on the sidewalk. The women said that pitchers which
once went out for beer came back after that filled with ice-water
instead.

One example of this kind is worth no end of homily. It is an epitome of
the successful effort of the Association.

From year to year the list of properties owned, or managed by agency,
has lengthened. The Casa Ravello, owned by Dr. George Woodward and
operated by the Association, was opened in 1903 for the special benefit
of Italians. It stands at the corner of Seventh and Catharine Streets,
and right on the corner, in a store-space that could be rented for $40 a
month, is a most valuable outpost of the Starr Centre Association which
shows poor mothers what to do for their babies. In June, 1917, 219
different babies under two years of age were brought here for
consultation. Nearly all were Italians. There were a few Jews and one
colored child. “History cards” are kept, and the fluctuation of weight
is traced by a graphic curve. There are home visits by nurses, and two
doctors keep office-hours.

The Casa Ravello has four stories of brick, the windows made attractive
by their gay boxes of geraniums, and air and light are at every window
through the liberal space the courtyard leaves. The iron stairways come
up through fire-towers, and there are netted verandahs safe and roomy
for the youngsters of the family and the mothers resting or at work. On
the roof in July and August is a playground, and a summer school for the
children. Of these there are 79 in the building, and in midsummer, 1917,
there was an average attendance of 45 in the school. They wear little
red tags with their names, that the stranger may distinguish tiny
black-eyed Domenico from the toddling frolicsome Bettina.

The mothers use the roof too—for gossiping, embroidery, for hanging
clothes, for the baby’s nap in a preferred location of the hammock.
There is a swing for larger children, and—safely shut away
between-whiles in a cement-floored bin—there is a piano for the
dance-lovers of Italy, great and small. All this for thirty-four
families, at a rate which at its maximum is $14 for one of the three
four-roomed apartments that boast a bath-tub.

On September 22, 1903, Emily W. Dinwiddie, who had been a City Inspector
of the Tenement House Department of New York, began an investigation in
behalf of the Association and under its direction,—an investigation that
lasted nearly a year. The cost was defrayed by special contributions. It
resulted in a report which is in all ways a model for the emulation of
others engaged in social research. The Bureau of Building Inspection and
the Board of Health granted her every facility and permitted her freely
to accompany their inspectors. Her report, entitled “Housing Conditions
in Philadelphia,” embraced the results of her thorough personal
examination of 600 houses. For every dwelling-place investigated a card
of minutely particularized details was filled out, of which facsimiles
are presented, together with telling pictures, maps, and tables of
simple and explicit arrangement giving according to nationality the
statistics of every phase of the living conditions ascertained.

Miss Hannah Fox was chairman of the directing and assisting committee of
the Association; the other members were Dr. Frances C. Van Gasken, Helen
L. Parrish, Robert P. Shick, Dr. George Woodward, E. Spencer Miller.
Lawrence Veiller of New York, with his wide official experience of
tenement problems, was of much assistance.

[Illustration:

  ITALIAN TENEMENT KNOWN AS CASA RAVELLO. THIRTY APARTMENTS OF TWO AND
    FOUR ROOMS EACH. FIRST FLOOR ARRANGED FOR STORES.
]

The three areas studied were distributed and representative. One was the
block between Eighth and Ninth Streets, Carpenter and Christian. A
second was the segment of North American and of Newmarket Streets lying
between Vine and Callowhill. The third took in the block bounded by
Sixteenth, Eighteenth, Lombard and Rodman Streets.

Here are some of the things Miss Dinwiddie found:—

“One tenement visited was a three story house, without fire-escapes,
containing a grocery store, a fish stand and a meat shop on the first
floor. Above in the seventeen living rooms of all kinds—kitchens,
bed-rooms and dining rooms—were eight families, consisting of
thirty-three persons. A goat was kept in the room back of the grocery,
and three dogs upstairs.

“A row of houses faced on an alley whose width varied from three feet
two inches to three feet eleven and a half inches.

“Five houses on one court, of which four were occupied, had cellars
flooded with sewage from a leaking soil pipe, the foul water standing
about a foot deep in all but one of the buildings.... Beds and bedding,
said to have been cast aside because someone had died upon them, and it
was ‘bad luck’ to use them again, were not infrequently found in
cellars.”

In a certain alley “one hydrant was the only fixture for eleven families
in ten houses.” A colored woman in one of the foul courts said: “I’m
sorry to have you see my house lookin’ dis way, lady, but ’tain’ no use
tryin’ to be clean; we ain’t got but one hydrant for dese yere five
houses, an’ we ain’ had no water for a week, since de pump busted.”

Animals kept on the premises are a serious evil. In a tenement visited,
“two rooms on the top floor were given up to the raising of fowls, and
the floors and parts of the walls were covered with filth; in another
house the door from the inside cellar stairs was pushed open during an
inspection and a goat stalked in; in yet another, chickens were kept in
a fenced-up corner of a third story room, used at the same time as a
kitchen and a bedroom. Under a shop in one dwelling-house, white mice
and rats, guinea pigs, rabbits, and dogs were kept for sale. At about
the time of the festival of Yom Kippur, many yards and shed rooms in the
Russian-Jewish neighborhoods were seen covered with blood and refuse of
slaughtered fowls. The worst case found was that of a slaughter house
and dwelling in one building. About thirty sheep were kept in the second
story, which was reached by an inclined runway from the narrow side
alley, giving entrance from the street to the rear of the house. Down
stairs a room was used for slaughtering, and from 30 to 100 sheep were
killed daily. The butcher and his family lived in the house, having a
kitchen on the ground floor and attractively furnished rooms upstairs at
the front. There were also dwellings adjoining on every side.”

Travellers in Tibet have described the ridges of filth that accumulate
in the middle of village streets and freeze in winter. Tibet is on the
other side of the world, and those whose complacency is not to be
disturbed like to believe that we have nothing so abhorrent here. But
listen to Miss Dinwiddie. “The condition of the sidewalk varies with the
seasons. In winter the alleys and parts of the sidewalk are often
covered with frozen refuse of various kinds and ice from surface
drainage. The writer has seen the occupants of an alley obliged, for
several weeks, to climb over a hard frozen mass about two feet high,
blocking up the entire outer end of the court. In summer, on the other
hand, garbage accumulates rapidly, and the odors from the decomposition
of such matter and from the pools of drainage water are offensive. As a
visitor from ‘uptown’ remarked while taking an alley picture, ‘If one
could photograph the smells, it might be possible to give an idea of
this place.’”

Among the heads of the 843 families, there was represented every
occupation from that of card-sharp to that of minister or rabbi; in the
social strata rag-pickers, scrub-women and organ-grinders were at the
bottom, while opticians, pharmacists and machinists stood at the top. Of
unskilled laborers the total number showed 39 per cent., and there was
an equal proportion of skilled laborers. Commercial pursuits were
represented by 16 per cent., and the remaining 6 per cent. followed
special occupations. The bankers, musicians, organ-grinders, street
cleaners, candy makers and boot-blacks were in all cases Italians; of
the 37 fruit, candy and fish dealers and rag-pickers all but two were
Italians. The worst instance of the sweating evil was found in an
Italian tailor shop. Laundry work at home was confined to the colored
district. Rag-picking (among Italians only), dress making, tailoring,
cobbling, cigar making, fish cake making, herb brewing, plain sewing,
scissors sharpening and umbrella mending were the other occupations
carried on in living rooms. Fruit, vegetables and candy sold by
trucksters were often stored in living rooms over night. The fire risk
does not need to be emphasized in the case of one house, occupied by two
families, in which a marionette show took place nightly on the ground
floor, where smoking was permitted. Fish stores, bakeries and dance
halls were adjuncts of other crowded dwelling-places.

The families living in apartments paid on the average $5.63 a month for
rent; those in one family dwellings paid $10.36—almost twice as much.

In her full and simple suggestions for remedial action, Miss Dinwiddie
urged virtually the program of the Octavia Hill Association. There
should be strictly enforced regulations concerning congestion, water
supply and toilet accommodations, air and light. Cellars and basements
must not be used for sleeping purposes, nor should animals be kept and
slaughtered on the premises. Ignorance and indifference on the part of
landlord and tenant alike, the investigator held, is the great obstacle
in the way of reform. The personal worker who will see clearly and
report frankly and fearlessly is indispensable. Such workers, it is
clear, are provided by the superintendence and the friendly
rent-collection of the Octavia Hill Association.

The fruit of Miss Dinwiddie’s long and conscientious labor with the
Committee’s cooperation was a comprehensive legislative measure
embodying the ten years’ experience of the Association and dealing with
the adaptation to the purposes of three or more families of houses
originally built for one. An earlier law, of 1895, made the building of
tenement houses, as such, so costly that few since that time have been
built for families of small incomes. Its present day application is
almost wholly to the erection of high-class apartment houses. The new
measure prepared and backed by the Association came before the
legislature of 1905, and the selfish interests that would have suffered
by its passage fought it tooth and nail. Undismayed, the Association and
its friends rallied and returned to the attack, and in 1907, to their
great satisfaction, it became a law. In the meantime, in 1906, two
ordinances were put before the city Councils by the Association through
its Committee: one providing for underdrainage where a sewer connection
was feasible; the other prescribing improved water facilities, for court
and alley houses in particular. These ordinances did not pass, but in
the agitation of the matters upon which they focussed the attention of
the City Fathers and to some extent of the public at large, a useful
educational result was reached, for models illustrating the conditions
the Association sought to remedy were put on view at Horticultural Hall,
meetings were held, and the councilmen were taken to see how the other
half lived and to be impressed by the necessity for drastic changes.

When in 1907 the act providing for the licensing and inspection of
tenement houses was passed, the Director of Public Health and Charities
asked the Association to help him frame the rules to govern the work of
the new division of tenement house inspection. The aid of the
Association was given without stint, and upon the Committee’s
recommendation Miss Caroline Manning was appointed as the first
inspector.

It thus appears that the Association was prime mover in bringing the
municipal administration to take action for the systematic examination
and regulation of living conditions to ensure the health and comfort of
the occupants of houses in hitherto neglected areas. Out of this
instigation grew, as an arc of an ever-widening circle, the specialized
activity of the Philadelphia Housing Commission, now known as the
Housing Association.

Delegates from forty social and philanthropic agencies met in the
Mayor’s reception room September 9, 1909, and organized the Commission.
A particular function of the organization has been to obtain and enforce
enlightened and equitable laws, and, with that end in view, to appraise
the public of its effort and secure a distributive popular support. The
Housing Association is performing a service of inestimable usefulness in
its study of the direct relation between an evil domestic environment
and the character and physical condition of those who are constantly
exposed to it. It receives and acts upon thousands of complaints each
year, and carries on extensive and intensive campaigns of public
education by literature, illustrated lectures, and exhibits.

[Illustration:

  MONROE STREET. A TYPICAL COURT AFTER RENOVATION. THREE-ROOM HOUSES
    WITH CELLAR AND SEPARATE TOILET. RUNNING WATER IN KITCHENS. RENT
    $8.00 PER MONTH.
]

Resuming our examination of typical properties in the care of the
Octavia Hill Association, we find one of the most inspiring examples in
the group of houses at Workman Place.

This large and picturesque court is situated on Front street between
Pemberton and Fitzwater. In Colonial days several of the houses belonged
to the Mifflin family; later they became part of the Workman estate, and
finally Mr. and Mrs. E. W. Clark acquired the group by instalments and
turned it over to the Association to manage.

There are twenty-two houses in all, built of red brick. Five of these
face on Front Street, and these, with one on Pemberton Street, have
several occupants each. Behind the Front Street dwellings, surrounding
the ample open space of what was once a large garden, are the remaining
houses, in groups, conveying a delightful impression of an island of
peace and privacy in the midst of the sweltering sea of humanity in this
loud and crowded foreign quarter. In the houses that face on Front
Street there are wainscotted halls, carved balustrades and mantelpieces
with elaborate designs of ships and grapes and fluting that bespeak the
past glories of the more deliberate day of minuet and sedanchair and the
soft light of candles. Even the ancient windowpulleys were made of
mahogany. One has only to read the itemized list of the household goods
owned in 1754 by George Mifflin, Jr., as given in the Pennsylvania
Historical Magazine, to realize the difference between that day and the
present, wherein the Polish seamstress bends above her work in a room
still haunted by the ancestral presences of those who were as deft in
turning the heel of a stocking as in pouring tea. In the smaller houses
there will be found Irish tenants who survive the Polish invasion of the
neighborhood.

On Pemberton Street there are two small vine-clad cottages with “G. M.
1748” set out in black bricks against the red, betokening George
Mifflin’s ownership. These houses were doubtless occupied by his
servants. They are not unlike the little “Letitia Cottage” of Penn in
Fairmount Park. The Association set above windows and doorways slight
projections that enhance the aspect. Betwixt these cottages an iron
gateway admits to the large enclosure shaded by great trees, on which
all the tiny gardens of the houses surrounding abut. The base of each
tree is rimmed by a seat. There is abundant room for clothes-lines, not
infringing on the space for the children’s play. A pavilion is at one
side. On the Fitzwater Street exposure is a temporary shelter to impound
homeless animals till the S. P. C. A. wagon comes to claim them.

At the corner of Front and Fitzwater Streets, through the generous
initiative of a daughter of Mr. and Mrs. Clark, is Workman Place House,
a Settlement of such demonstrated value to the region round about that
it deserves more than passing mention.

It is conducted by the Alpha Pi Fraternity of young women alumnæ of the
Agnes Irwin School. The Matron has taken hundreds of mothers and
children of the neighborhood during the summer into the country, which
is as novel and startling to many of these people as America was to the
sailors of Columbus. The great fact of Fairmount Park itself is news to
an incredible number. University of Pennsylvania students have taken the
boys to summer camps. There has been supervised play in summer, and in
the winter months there is a carefully scheduled and well-attended
routine of classes and meetings for young and old. All these people have
a racial affiliation with the dance, and even after the Mothers’
meetings in the Good Neighbors’ Club, dancing to the pianola is an
exuberantly joyful exercise. Christmas parties are red-letter events.
The entire admirable enterprise is sustained by bazaars, sales of old
clothing, and gifts in cash and in kind.

The little vegetable and flower gardens at the rear or in the forecourt
of each of the Workman Place houses are sources of not inconsiderable
pride to the occupants. Anyone who saw the central area before the
Association took hold here must be amazed at the transformation. The
solid board fences that dissected the space in all directions have been
removed, the rubbish has been carted away, wells and cesspools have been
filled, and the houses themselves—in a deplorably decrepit state—have
been renovated from top to bottom. The generous owners have not sought
an income from the property. Any returns have been left in the hands of
the Association, as the contracting agency, for improvements or for the
acquisition of other houses.

[Illustration:

  WORKMAN PLACE. STREET SIDE OF SMALL HOUSES. BUILT 1748. SUPPOSED TO
    HAVE BEEN SERVANTS’ QUARTERS OF THE MIFFLIN MANSION.
]

[Illustration:

  WORKMAN PLACE. INTERIOR VIEW OF YARDS NOW ARRANGED IN ONE LARGE OPEN
    SPACE WITH PLAYGROUND, SAND PILES, SWINGS, ETC.
]

[Illustration:

  INTERIOR VIEW OF WORKMAN PLACE, SHOWING SHELTER HOUSE AND PLAYGROUND.
]

A heartening example of the civic spirit generated in this region by the
presence of this great object-lesson of Workman Place under the wise and
watchful rule of the Association was the flag-raising that occurred in
midsummer, 1917, on the Fitzwater Street side of the courtyard. Benjamin
Barton, a resident of the block, went from house to house inducing his
neighbors to scrub the steps and the cobbles till they shone with the
lustrousness of Spotless Town; then they all, at his suggestion, hung
out brave new flags, the eagles of Poland on their red and white field
prominent among them. Little Maria Barton, dressed as the Goddess of
Liberty, stood on the rear seat of the hard-working Ford car belonging
to the Association and released the Star-Spangled Banner over the
street, midway of the block. Mr. Barton and others made speeches, and
Fitzwater Street is still talking of its great day.

The playground at Workman Place, the use of the roof of the Casa
Ravello, the Hector McIntosh Playground at Front and League Streets and
playgrounds in Richmond and Germantown in connection with properties
about to be described, are noteworthy examples of the manner in which
the Association is realizing Octavia Hill’s own insistent prescription
of open spaces. The Hector McIntosh Playground, to which we have already
referred, carries the name of the devoted second President of the
Association. It dates from 1902, when two friends of the Association
gave the land. Small as it is, even after the addition of the site of
957 South Front Street, it has played a most useful part in the lives of
its patrons, young and old. Stockholders have generously subscribed
funds for its maintenance, and during certain summers, in addition to
the fun of the swings and games and sandpile, and the work of the
morning kindergarten, there has been a series of seven or eight concerts
of harp and violin costing a dollar apiece on the average, and bringing
out a delighted throng to sing and to dance with the diminutive
orchestra. The Board of Recreation and the Playground Association,
always in sympathy with the objects of the Octavia Hill Association,
have liberally cooperated in this work, in such ways as planting trees
or providing a teacher.

In January, 1911, the Association was requested by a physician to turn a
noisome group of houses, breeding-places of pestilence and notorious
hospital-feeders, on East Rittenhouse Street in Germantown, into
something that would not be a standing rebuke to the community and the
worst possible advertisement of the thriving and progressive suburb.
After a meeting at the house of Mrs. Elizabeth Lean Head, residents of
Germantown subscribed for stock in the Association to the amount of
$20,825, on the understanding that the fund would be wholly devoted to
the purpose specified.

The Association thereupon acquired Nos. 523 and 531 to 551 inclusive,
with a total frontage of 210 feet on East Rittenhouse Street and a depth
of 165 feet. The houses, near the Reading Railroad, were occupied by
Italians. There were 25 houses, some of them run-down and filthy beyond
the power of words to portray. There was no underdrainage and two
hydrants provided all the water there was. Externally there were
gaptoothed sections of picket fence flat on the ground or sagging
drunkenly; smashed boxes and wrecked barrels were the least, repulsive
feature of the promiscuous clutter under the heavyladen clothes-lines.
One building, a mere outhouse, rented for 50 cents a month, and its
wretched occupant had just been removed in a dying condition from
tuberculosis. Within were the old, familiar features of ruin and decay
and smells unholy. Three houses were at once torn down. Others were
renovated from attic skylight to cellar floor, with the installation of
modern toilet facilities; and two new brick buildings—two stories high,
well lighted and well ventilated—were built with apartments for 14
families. The two-room apartments rent for $6.50 per month, and the
four-room apartments for $11.00. In the entire operation there are
quarters for 35 families, and at the rear is a large space available for
a general playground and for tenants’ gardens. There was much
stone-work, and the difficult site necessitated a great deal of blasting
in the solid rock.

[Illustration:

  EAST RITTENHOUSE STREET, GERMANTOWN.

  NO SUPERVISION ON THE PART OF OWNERS OR AGENTS PRODUCES THESE
    CONDITIONS.
]

[Illustration:

  EAST RITTENHOUSE STREET, REAR, AFTER IMPROVEMENT.
]

[Illustration:

  NEW HOUSES, EAST RITTENHOUSE STREET PROPERTY, GERMANTOWN.

  HOUSING SEVEN FAMILIES. RENTAL, $6.50 FOR 2–ROOM FLAT, $9.00 FOR
    3–ROOM FLAT, $11.50 FOR A 4–ROOM HOUSE. SEPARATE ENTRANCE, TOILET,
    CELLAR, WATER SUPPLY FOR EACH FAMILY.
]

It has not been a triumphant progress from strength to strength with
these Germantown houses and their untrained and ignorant Neapolitan and
Sicilian occupants. Many of the men are unskilled laborers for the city,
content to earn a little and spend the money in long seasons of
idleness. Two volunteer rent-collectors, speaking Italian, have been of
great assistance, and the summer playground, a visiting nurse, and
garden allotments have strengthened the hold of the Association upon the
tenants.

The transformation wrought by the summer of 1917 was truly wonderful. In
place of the abomination of desolation described in the front yards of
1911, corn waved, and beanvines flourished. Besides the gardens
thriftily cultivated by each householder where lettuce, celery and
tomatoes grew in abundance, there was a large community garden with a
square plot for each tenant, kept carefully weeded. From the windows
giving upon the street the flag of Italy flew, and on the steps the
mothers of little Italy sewed and gossiped and watched their bambini at
play. In the pavilion of the ample central yard were happy families
enjoying the shade, the children playing games, the babies napping in
their tiny hammocks swung from the eaves. The whole offered as charming
a picture of contentment in a congenial environment as one would care to
see.

A group of new houses in the district known as Richmond, an entire block
of model dwellings for workingmen, represent a distinct departure from
the policy to which the Association adhered for many years. But the
enterprise, to which the Board gave most of its time and thought in
1914, recommended itself to the deliberate judgment of the members for
two leading reasons—first, that it was becoming constantly harder to
find old downtown houses for renovation which could be bought and
altered at a cost permissive of a dividend, and, second, that the demand
is waxing day by day for carefully designed and suitably equipped
low-priced dwellings, since the operative builder is unaffected by
philanthropy, and is building to sell or else to rent his houses for at
least $15 a month.

The Property Committee of the Board obtained an option on a tract in
Richmond and was about to close the bargain when the rude hand of war,
that has paralyzed so many efforts for the world’s good, descended on
the market and made it prudent to defer action until the spring of 1915.
Then the more cheerful financial prospect seemed to justify a resumption
of the task. A lot adjoining the one originally chosen, measuring 212 by
165 feet and fronting on Cambria Street, was obtained. The total cost of
the land and the dwellings that were put on it was $63,000.

“The Philadelphia Model Homes Company” was created by the Board as a
separate corporation to finance the undertaking, to own and operate the
dwellings, and to continue its work in the future for any similar group
it might be deemed wise to create if the first venture justified itself.

The new corporation started with a nominal capital of $2,000. This sum
was presently raised to $20,000; and the capital stock was entirely
taken by the Octavia Hill Association, which named the directors and
entered into absolute control. The rest of the cost of the
operation—$43,500, or about two-thirds of the whole—was obtained by the
sale of first mortgages, each secured on a particular lot and dwelling,
and yielding 4.4 per cent. interest. The Finance Committee devised the
scheme because, in the first place, it would limit the financial
liability of the Association to the $20,000 of its actual investment,
and in the second place the first mortgages at fixed interest on
specific properties would more readily secure takers than dividends on
the stock of the corporation.

The block comprises sixteen one family and sixteen two-family houses.
Their appearance is very attractive. On the west and the north is a new,
wide city playground, giving a clean sweep of sun and breeze. The houses
surround on three sides a large gravelled central area which creates a
private playground—an obvious advantage for the little ones who would be
out of place in the big, public playground designed for older and more
active children. At one end is a play pavilion, and the gardens with
open fences reach to the playground at the rear of the houses. The
central courtyard is entered by a driveway that permits of the
collection of ashes and garbage without littering the sidewalk in front
of the houses.

An easy question is, why couldn’t these houses have front verandahs on
both stories? The equally easy answer is that such verandahs add to the
first cost and to the subsequent rental. There are balconies at the
rear.

[Illustration: DWELLINGS for the PHILADELPHIA MODEL HOMES COMPANY John
Irwin Bright Architect]

[Illustration:

  PLANS OF RICHMOND HOUSES.
]

[Illustration:

  PLANS OF RICHMOND HOUSES.
]

[Illustration:

  DIAGRAM SHOWING ARRANGEMENT OF RICHMOND HOUSES.
]

Work was begun in the summer of 1915, and in December the houses were
completed and occupied. The work was done under Mr. Feld’s daily
supervision, and done well, without a general contract. Thus a
substantial saving was effected, and the construction is abreast of the
standard set in work carried out on the usual plan.

In each case a tenant was ready for the house when it was ready for him.
The rental is $8.50 per month for an apartment of two rooms and bath,
with a pantry having wash-tubs and a range in one of the rooms. Each of
the two families in an apartment house has a partitioned share of the
cellar. An apartment of two rooms, kitchen and bath is to be had for
$10.50. The rental is $13.50 for the one family houses, which give the
tenant five rooms, with bath and furnace. There is at all times a
waiting-list for these eminently delightful and desirable little homes
close to a particularly busy center of diversified manufacturing
enterprise.

At the end of the eleven months to November, 1916, the rent amounted to
$5,517.65 out of a possible $5,676,—the difference being due to the fact
that periods of occupancy did not precisely overlap. After deducting
expenses and interest paid on mortgages the Model Homes Company was able
to show a profit of $1,873.19; of this sum it set aside $400 for a
depreciation account; and it paid to the Association $1,400, which was a
seven per cent. return on the $20,000 invested by the Association. (See
page 121.)

A rebate of one-half of one month’s rent was made to tenants who had
lived in an apartment or a house a year and done no careless damage
requiring repairs. Trees were planted in the yard and before the houses,
and the occupants have always evinced a lively interest in their little
garden-plots. The nationality census is interesting. In the first year
there were these families: Scotch, 3, German, 5, French, 2, Norwegian,
5, Swedish, 1, Italian, 1, American-born, 31 (18 of Irish extraction),—a
total of 48.

In 1914–15 the Association shared the gratitude of certain poor families
which had no work in sight for the bread-winner, by arranging with the
Emergency Aid Committee to supply the necessary materials and
supervision if the Committee would provide the wages of laborers and
mechanics engaged in repair work on the properties. Nine men began work
on this basis in February, and fifty at one time were finally employed.
The work was continued until July, when funds were no longer available.
In all, eighty men benefited by the arrangement: seventeen painters,
eight carpenters, fifty-five laborers. From the Emergency Aid Committee
$4,000 was received, and was disbursed for wages, tools, car-fare and
incidental expenses. Two hundred houses were completely put in order and
painted, yards were repaved, fences were rebuilt, grading was done, and
a vacant area was prepared for gardening purposes. Moreover, men who
knew nothing of plastering or cement work learned how to do it, and thus
acquired a new accomplishment of market value. They put down floors,
relaid walks, whitewashed cellars, and concreted walls where dampness
had exuded. Some of these men who came as utterly green hands still
remain in the employ of the Association.

In 1916 the Whittier Centre, with whose purposes the Association is
wholly in sympathy, carried out a plan for improved housing facilities
for the negro population. The Centre is organized for the study of this
problem, and for practical measures devised as the outcome thereof. It
formed the Whittier Centre Housing Company, with a capital of $25,000,
which took title to property at Dickinson and Opal Streets. The planning
and construction of the first group of houses was put in the hands of
the Association, and Mr. Feld supervised the building of seven
two-family dwellings with apartments of three rooms and bath, at a
rental of $3.00 and $3.50 a week. As an indication of the lively demand
for such cleanly and attractive quarters, it should be noted that there
were two hundred applications for the fourteen apartments available.

That this enterprise pays is shown by the fact that in midsummer of 1917
a dividend of 5 per cent. was paid.

[Illustration:

  CAMBRIA STREET HOUSES OF THE RICHMOND GROUP. PLAYGROUND IN THE REAR,
    BETWEEN THE SIDE ROWS OF HOUSES. ONE FAMILY HOUSES. 5 ROOMS, BATH,
    AND HEATER IN EACH. RENT, $13.50 PER MONTH.
]

[Illustration:

  GAUL STREET HOUSES, RICHMOND GROUP. FIRST AND LAST FOUR HOUSES ARE
    TWO-FAMILY HOUSES, WITH 3 ROOMS AND BATH ON EACH FLOOR. RENT $10.50
    PER MONTH PER APARTMENT. THE HOUSES IN THE CENTER OF THE GROUP ARE 5
    ROOM DWELLINGS. RENT $13.50 PER MONTH.
]

As for houses for negro tenants owned by the Association, an interesting
group will be found along Naudain Street between Seventh and Eighth, and
in the vicinity. Here simple rooms may be had for a couple at the low
figure of 80 cents a week, or $1.00 for larger rooms. The standard of
self-respect and cleanliness among the tenants is high. Many of the
houses were formerly dens of the lowest order, and the Association does
not relax its vigil to prevent a recurrence to former conditions. In all
there were, in 1917, 125 colored families in houses owned or controlled
by the Association. It is probable that in the near future the
Association will take over other properties west of Broad Street and
south of Lombard in the district into which negroes are moving. The
Association is hopeful of doing much more in the future to help the
negroes find good homes.

The number of houses owned by the Association at the beginning of 1917
was 179; the number of families in these houses was 244. The agency
properties in charge of the Association numbered 224, and there were 460
families housed in them. This gives a total of 704 families in 403
dwellings.

Agency properties have been handled by the Association, to the expressed
satisfaction of owners, since it was in the second year of its
existence.

The Association charges 7½ per cent. for its management; a charge fully
justified by the quantity and the quality of its executive supervision.

The properties handled for others may be thus classified: first, houses
received from owners who built with an intent frankly philanthropic, and
who realized that the Association was qualified by experience to run
these properties to the greater advantage of owner and tenant; second,
houses bought at the suggestion of the Association and left in its hands
for reconstruction and management; third, houses held as ordinary
business investments, and committed to the oversight of the Association
for the sake of an assured lucrative result; fourth, houses received
from trust companies or estates; fifth, houses turned over by charitable
or philanthropic institutions which have received them as bequests.

In the last connection, it is to be observed that the legacy is made to
perform a twofold service. Low-wage families are assured a good home at
a small cost; and the legatee receives a return which may be put to
philanthropic uses. Of course in some cases there is so much to be done
to rehabilitate the property bequeathed that for a time there is no
income from it. But the possible dual objective of a legacy is worth the
thoughtful consideration of those who would have a bequest mean as much
as possible to those who come after them.

It is seen from this brief review of the impersonal side of the business
operations of the Association that in certain particulars the procedure
of Miss Hill has been modified. Miss Hill relied largely on volunteer
collectors. The Association in addition to its unpaid collectors employs
several who are paid. Miss Hill obtained purchasers for houses which she
desired to improve. The Association, as a stock company, has purchased
outright a number of houses. It has realized that whereas certain
landlords on a grand scale in London controlled vast areas, in
Philadelphia, aside from the Girard Estate, with its admirable model
homes for persons who can afford them, there are very few owners of
large, undivided tracts where blocks of model houses might be created.
So it has been accustomed to purchase its groups piecemeal from a number
of owners.

It is probable that in the future the Association will undertake to an
increasing extent the construction of new dwellings. For a long time to
come, if not always, it will continue to renovate old dwellings, for the
old dwellings, situated in the congested areas, are the abodes of most
of the poor, who are traditionally averse to uprooting; and often the
poor feel much more at home in an old house “fixed up” than in a new
house to which the adjustment only comes by the slow stages of a social
education. Of course a point is reached, especially on a soaring market
for all building materials, when it pays better to build anew than to
make over the old. The philanthropic side of the Association’s endeavor
will cling to the old houses. The sheer business astuteness of the
enterprise will erect new dwellings. The problem is to keep the due
proportion between the business and the philanthropy.

[Illustration: CHART SHOWING INCREASE IN NUMBER OF PROPERTIES OWNED BY
THE OCTAVIA MILL ASSOCIATION FROM 1896 TO 1915]

The tenants of the Association are not allowed to sublet or to take in
lodgers without explicit authorization. That this regulation is sensible
is obvious. Any other course would lead to all the evils of overcrowding
and of positive immorality which the organization was created in large
part to fight. The housing of the single man is not attempted. The
Association is aware of the importance of the bachelor’s problem. It is
a matter that the munition-factories and other industrial plants in
quest of shelter for their employes are daily called upon to consider.
Were its means and its executive facilities less limited, there is no
doubt that the Association would grapple as courageously and as
successfully with this issue of the housing of the single man as with
the problem of the housing of families.

Charles H. Ludington, President of the Association, says in his report
for the year 1916: “It is also the desire of the Board to give as much
publicity as possible to the special lines of service which the
Association is now prepared and equipped to offer—(1) Advice with regard
to the restoration to approved standards, and the altering for
profitable use of old or unsanitary dwellings. (2) Undertaking, after
submitting estimates, the entire carrying out of such improvements and
the future supervision and management of the property for the owners if
desired. (3) The management of residential properties held by
institutions or corporations, insuring for them the maintenance of
sanitary and proper conditions, together with the social service offered
to the tenants by the Association through rent-collectors trained in our
methods. We have frequently been able to render valuable assistance of
this kind both to individual owners and to institutions owning real
estate of this character, which, through neglect or merely formal
management, has deteriorated. Instances have been brought to our
attention where, entirely without the knowledge of the owners,
conditions have existed not merely unsanitary but also otherwise highly
objectionable and which would have subjected the owners to just
criticism. This the standards of management of our Association will
absolutely prevent. (4) Industrial housing by employers for their
employees. The interest in this subject is showing marked increase, and
the Association is ready to place its experience and facilities at the
disposal of corporations or firms considering the matter, and to prepare
plans, procure estimates and supervise construction, and if desired to
undertake the management of such properties in and about Philadelphia.
(5) Improved housing for wage earners. The experience and information
which the Association has gathered, especially in recent years,
qualifies it in the judgment of the Board in tendering its services as
an expert to anyone who may be ready to consider this character of
investment. There is unquestionably in our judgment a need in
Philadelphia for new building of this kind, i. e., for dwellings that
will rent for under $15.00 per month. The operating builder is supplying
only houses of a more expensive grade and for quick sale, because there
is more profit in this for him. That sanitary, durable and comfortable
dwellings can be built for rental at less than $15.00 per month, and
made to yield under proper management a return of 5 per cent. has been
repeatedly demonstrated in this and other cities. To any interest that
is willing to consider such investment with the further view of meeting
a community need, we should offer our services. From our own actual
experience in this field and our knowledge of similar undertakings
elsewhere, our organization can, we believe, render valuable help in the
planning and execution of such projects.”




                                   IV
                              DAYS AFIELD


To read of the work of the “friendly rent-collector” in cold print is
one thing; to feel the pulse of it by personal contact is another
matter.

Dr. E. R. L. Gould, in a report that he made to the Commissioner of
Labor in 1895 on “The Housing of the Working People,” described at
length Miss Hill’s system of rent-collecting, which made the process so
much more than a soulless, impersonal proceeding.

He said, “There are abundant testimonies to the efficiency of
rent-collecting as practised by Miss Hill. Her system has been adapted
with uniform success in many large cities in Europe and to a smaller
extent in this country.... The moral influence of Miss Hill’s system has
been to admit women to a greater extent into the management of housing
companies, a practice which has undoubted advantages. Several of the
large London dwelling companies acknowledge that their success,
financially and morally, only began with the introduction of
rent-collecting through lady volunteers.”

A bad tenant is not turned into a good one merely by a periodic demand
for money. If all tenants were always in comfortable circumstances, if
they never suffered from lack of employment, if protracted illness
disabling the bread-winner of the family never spelt acute privation for
the rest, if every poor and ignorant foreigner understood from the first
his relation to the community and to society at large, and scrupulously
maintained this relation for his part, the “friendly rent-collector”
might be superfluous. But as conditions stand, the very soul of the
Octavia Hill system is this personal contact which has the business
transaction for its immediate warrant; and by the acid test of business
results its efficacy is demonstrated.

In the great majority of cases the rent-collector does not have to ask a
leading question: the tenants are ready enough to flock round her and
pour their woes into her ear. Her appearance is often the signal for a
fusillade of questions, petitions, and complaints.

“Am I going to get that paint for my stairway, please ma’am?” “The rain
last week leaked into the cellar something terrible.” “The water in the
backyard won’t drain off. The bricks around the hydrant has all sunk
down.” “It’s been four days since the man was here to take away the
garbage.” “The neighbors keeps puttin’ ashes in the garbage can, and
garbage with the ashes. Sure I dunno who’s been doin’ it.”

Such are the petty complaints that all the rent-collectors hear on all
their rounds. These matters might be considered to be wholly within the
domain of the superintendent and his mechanics. But the tenants do not
differentiate. Their appeal is to anyone who may be supposed to be
connected with the Association. Sometimes they ask modestly, meekly.
Sometimes they ask in accents of more or less defiant challenge. Miss
Hill herself describes how she was locked into a room by an irate woman
who said she wouldn’t pay the rent till the mantel was repaired, in a
house so recently taken over by the new landlady that there had not been
an opportunity to attend to the matter.

The friendly rent-collector bides her time, keeps her tongue behind her
teeth, and makes allowances for the previous condition of servitude to
low ideals and to grasping landlords, which has been that of many of her
charges.

The real reward of the work to the right sort of worker is in this
lively, daily chance to meet the people and to help them in their
problems by the service that is better than the outright gift of money.

Here, for a trivial instance, we come to a humble door where the rent is
due, and a poor man has great boxes of laces which he means to move
upstairs and store where he lives. There is really no space for the
stuff in the one room that he shares with wife and baby. He plans to
sell his wares from his cart beside the curbstone on the morrow. The
boxes are nearly as big as an upright piano. He cannot afford another
place for storage. That is his problem. To you and to me, living in a
whole house, the advent of such boxes would be nothing to worry about.
But if this vendor can’t secure from the friendly rent-collector a
suspension of the unwritten rule against overcrowding his small space,
he is in a grievous predicament.

[Illustration:

  ONCE THE HOMES OF PHILADELPHIA’S MERCHANTS AND BUSINESS MEN. CHANGING
    NEIGHBORHOOD CONDITIONS MADE IT NECESSARY TO ALTER THESE HOUSES FOR
    TENEMENTS. EACH HOUSE HAS 5 APARTMENTS, 2 TO 3 ROOMS EACH. RENT,
    $5.50 TO $13.00 PER MONTH.
]

A few minutes later we find a whole court in an uproar over an incident
that would mean little to those of us who have gardens of size and
gardeners of skill. One of the fathers living in the court—a one-armed
man—has spent a blistering Sunday afternoon inducing morning-glories to
cling to the strings he has put up against the high board fence. The
little plot of ground on which his plants grew was perhaps thirty feet
long, and a foot and a half wide. He took pride in the result, and his
neighbors praised it. When his back was turned a little Polish child of
two, living next door, came trotting along, pulled down the wire netting
he had arranged in front, and tore off the vines that he had laboriously
twisted round the strings.

The indignant neighbors insist, in conclave, that the mother stood in
the doorway laughing while the child wrought this mischief. To the
friendly rent-collector the mother, with small English but with a
profusion of gesture, explains her injured innocence. After long and
excited parley, in which everyone who is at home in the court takes
part, peace is restored, and the tactful mediator leaves behind her
smiles and good humor in place of sullen resentment.

In this case the chief complaint the neighbors brought was that the
mother—who was supposed to know so little of our tongue—had used such
AWFUL language!

“I didn’t use to be a good woman myself,” said another mother in this
court. “My mother didn’t use to be a good woman, either. But now my
daughter’s comin’ on, and I want her to be different. I want her to be a
Christian. She sings hymns somethin’ lovely.”

In an Italian yard near by are old railway-ties high piled, to be
chopped into kindling. In their enthusiasm for saving money, the
householders are likely to fill the court as high as the roofs with the
beams, if not restrained by the rent-collector’s timely warning that
they must leave some room for other purposes.

One of the houses shows menacing patches of brown specks on the
plastering of a tiny bedroom—that means the larvæ of vermin. In a hole
in the midst of each patch are the live insects. The friendly
rent-collector makes a careful note of the fact. There is an evil day in
store for this common pest of the tenants in old houses, when the
Association shall bring its batteries of formidable disinfectants to
bear. The Association is not fond of spreading wall-paper over the
surfaces where insects live and thrive.

Here is a young man with a moral inheritance that the friendly
rent-collector knows by heart. He has a job slicing bacon with a
meat-packing concern. Today is a holiday, he explains. Query: will he
hold down the job, or go on drifting? The fever of the wandering
ne’er-do-weel burns in his veins. His father is a dipsomaniac, who runs
amuck periodically with a carving-knife and finds his foes in his own
household. He once killed a man and escaped to an adjoining State.
Detectives caught him and he was lodged in the “Pen.” He blamed his wife
for it, and sent her letters demanding $80 for a shyster lawyer to get
him out. He sent her pictures of caskets, as portents of her fate when
he should finally emerge from durance vile.

At last she raised the money and got him out. He wept on the
doorstep—the neighbors, whose heads were at all the windows, said he
shed buckets—and she took pity on him and abandoned her design of
procuring a separation. He has been home for a few days, and on this
particular day husband and wife are off on a picnic together. The son
knows all the story. How long is the peace to last? Will the boy in time
follow in the erratic footsteps of the father?

Here is another sinister family history that faces the visitor. The
mother is feeble-minded. There are five children. Two of the boys and
two of the girls inherit the maternal defect. The other child, a girl,
is normal. The father works by fits and starts. A former source of
income to the family was a woman boarder of bad character. The Society
for Organizing Charity and the Society for the Prevention of Cruelty to
Children have interested themselves in these derelicts, and the Octavia
Hill Association is trying to help.

Another kind of trouble constantly cropping up is that of the victims of
rascally insurance-agents. They turned over their books to the agents to
keep. The agents took the money and either did not enter the sums or
recorded them incorrectly. In some cases those who expected an old-age
pension or at least their burial expenses will not get a cent.

“But,” someone may ask, “what has this humanitarian effort to do with
rents and dividends? Couldn’t the money be obtained and no questions
asked, no advice given, no ‘hard-luck stories’ heard? Business is
business. Let the charitable societies, the soup kitchens, the Salvation
Army or what you will, look out for the other side of the matter.”

The answer to this contention is that a conscientious landlord can
hardly be satisfied to accept money from any sort of house without
knowing or caring how it is obtained. Several times in the experience of
the Association the owners of houses which had descended to base uses
were shocked and grieved inexpressibly to learn of it. In one instance a
good lady residing in England who had never seen the property managed by
her agents in Philadelphia couldn’t believe the tales that were told her
concerning its condition. The agents themselves were unaware of the
facts until the Association reported to them the lively horrors. Owner
and agents alike were glad to have the houses pass into the control of
the Association, which at once converted them into dwellings which no
longer were a blot on the ’scutcheon of the City of Homes.

The question of repairs, when the tenants make their requests or the
rent-collector’s inspection discovers places where they may be needed,
is a matter determined by urgency, and by the amount of money already
expended on the property, and by the evinced cooperative spirit of the
tenant. It stands to reason that slovenly and destructive occupants are
not accorded the same attention that is given to the representatives of
those who are clean and careful and prompt in their payments. What a
difference there may be on opposite sides of a thin partition-wall! On
this side of the wall is a family inclined to dirt and disorder, because
of its unperfected social education. On the other side of the wall, only
a few inches away, the floor, neatly carpeted, is spotless. The
center-table holds a gaudy lamp, or a vase of dried grasses, or lurid
paper flowers. There are pictures on the walls, of saints or landscapes
or the family, in crayon,—perhaps the bridal couple arm-in-arm, or the
head of the house in the gorgeous uniform of a Polish benefit
association.

One may find the bureau turned into a shrine, with a crucifix and
candles; or perhaps the royal family of Italy is a prized possession in
a glorious flamboyancy of colors.

The rent-collector refers all-important questions of improvements to the
superintendent for his decision. Part of her special care it is to see
that the plumbing is in good order. The Octavia Hill Association is
largely responsible for the considerable reduction of the number of
cases in which six or eight or a dozen families in a court live off the
same hydrant. In one court visited, a pet dog had been giving
considerable trouble, since he had learned to turn on the water himself,
and would leave it running.

Garbage and ashes come under the rent-collector’s supervision, too. When
the former is thrown where the latter should be, it becomes necessary to
inquire more particularly who had watermelon for dinner, who had
chicken, and who had corn-ears—perhaps at a dollar a dozen. In one case
where an orthodox Jewish family was blamed by neighbors, the supposed
culprits were exonerated by the discovery of a ham-bone in the can when
the lid was lifted.

Just as the work of a Red Cross nurse in a war-hospital is a different
matter from a debutante’s dream of it, so the inspection by the
rent-collector may become a very plain and prosaic, undecorative
business indeed. She has to see, to think, to know. Nothing is too small
for her attention.

The “Conditions of Tenancy” printed in the monthly rent book which the
collector carries for receipts, gives the rules she must enforce. All
rents must be paid promptly in advance. The tenant will be required to
pay for any damage due to his or her own carelessness. The tenant must
replace glass broken in the windows, if it is the tenant’s fault.
Lodgers must not be taken nor rooms sublet without the collector’s
written permission. Cellars and yards are to be kept free from rubbish,
and no animals are allowed in the premises. Garbage and ashes must be
kept separate, and rubbish and paper must have their own receptacles.
Tenants must keep the sidewalk clean and free from obstruction, and must
attend to the removal of ice and snow. Nails or hooks must not be driven
in the woodwork without permission, and nothing is to be built in the
yard. Each tenant is responsible for a set of keys, which must be
surrendered upon vacating. In tenement houses each tenant must do his or
her share in cleaning halls, stairs and yards.

There are also explicit suggestions for the care of bathrooms, kitchens,
plumbing and garbage cans. There is a brief direction printed on the
inside of the cover for the collector’s ready reference, giving the
addresses and the office-hours of various dispensaries, hospitals and
other institutions which may be a present help in time of need to the
tenants.

A colored woman on her knees scrubbing a floor that already seemed
clean, explained that one couldn’t be too “pertickler about them germs.”
The germs, she explained, were so small you couldn’t see them, but they
certainly could raise a dreadful rumpus inside a person or a home. She
did not know of Metchnikoff or Pasteur or Lister, but she grasped the
important idea.

A janitor for a house or a group of houses may be appointed by the
Association from among the tenants, at a nominal fee—taking the form,
perhaps, of a dollar a month subtracted from the rent. The janitor takes
charge of the garbage and the ashcans, and cleans out the houses that
are to be rented. She sees to it that the tenants sweep their rooms and
hallways and stairs, each doing a part of the premises used in common.
The janitor is encouraged to consider herself a working partner of the
Association, and she is usually proud of her post.

An important part of the collector’s duty is to ascertain and report
damage done to plumbing. The plumber also notifies the Association of
any damage that is to be traced to the tenant, and the latter defrays
part of the cost of repairs by instalments till the whole amount has
been paid.

Careful calculation showed that in a group of 140 families, for one
year, the cost of repairs for plumbing due to the tenants’ carelessness
was $32. The real estate officer of a large trust company declared this
an excellent record.

As the rent-collector of tact and insight makes her rounds the
mechanical transaction of requesting and receipting for the rent is
accomplished frictionlessly and with dispatch in the great majority of
instances. The services of the constable, at a cost of $2.00, to
dispossess a family are rarely and very regretfully called into
requisition. But the Association stands for no shillyshallying. It
requires prompt payment. It insists that those who occupy its houses
shall fulfil the few simple regulations it has established. It does not
hesitate to invoke the arm of the law when the need arises, and the
tenants soon become aware of the fact. Most of them, happy to be under a
fair and considerate landlord, are punctual, peaceful and contented.
“I’ll never get another landlord like you,” said an old Jew, compelled
for reasons of his own to move, as he trudged dolefully away wagging his
beard.

The cases in which the Association has to proceed to the extreme penalty
of eviction may be similar to that of the woman who represented herself
as a widow with four children. The children were mythical. She took in
four male boarders, in flagrant defiance of the strict rule that forbids
taking boarders or subletting without the Association’s consent. There
was nothing to do but to put her out, inexorably.

The rent-collector takes with her wherever she goes her moneybag,
containing a small card-catalogue to check off payments, which are
entered in the office ledgers, receipt-books, blank forms for leases,
and paper for memoranda. Sometimes tenants who fail to have the sum
ready when the call is made promise to bring it to the office, and
rarely do they fail to keep their word. Italians are particularly
punctilious in their payments. The man who after an absence of two
months came back and paid up for the whole time, though there were a few
days he was not, bound to pay for, saying proudly, “I am an honorable
gentleman,” was merely typical of his compatriots.

[Illustration:

  FRANKLIN COURT. YARD CONDITIONS WHEN PROPERTY WAS BOUGHT, FOR FIVE
    FRONT AND THIRTEEN REAR BACK-TO-BACK HOUSES, HUDDLED TOGETHER ON
    ADJOINING ALLEYS.
]

[Illustration:

  FRANKLIN COURT AFTER RENOVATION. THE REAR HOUSES THROWN TOGETHER AND
    NOW RENTED IN SETS OF ONE, TWO OR THREE ROOMS. SUGGESTIVE OF WHAT
    MAY BE DONE TO GIVE BETTER LIGHT AND AIR AND SANITARY CONDITIONS IN
    SIMILAR HOUSES.
]

Ordinarily it is not the great crises of life and death that confront
the sympathetic rent-collector. But she never can tell what will meet
her round the corner. Here sits a man who was for years a baker, and he
is utterly forlorn. His sister bustles cheerfully about the room, making
as brave a pretence of keeping a home as she can with some sorry sticks
of furniture and a few cracked dishes. The ailing brother has just come
back from the hospital, and there is a package wrapped in a bit of
Polish newspaper on the table before him. The rent-collector unwraps
from it a brown bottle of medicine bearing the label of the Polish
doctor to whom he had gone straight from the contrary hospital advice,
to secure a nostrum for his heart-trouble. He insists that he never will
return to that hospital which kept him in bed so long and did nothing
for him. He will never be able to work again, he reiterates
monotonously.

Those who have labored in France among soldiers blinded in war, to
restore a hopeful mood in which a man takes hold on life again, know
what means a wise, kind woman will use with a discouraged man who finds
his cross too heavy to carry and has succumbed to a melancholy
listlessness. She brings him round by degrees to a more rational frame
of mind, and in place of the closed door she shows him an open window.
Was not the result worth tarrying for, a few minutes? Even from the
commercial point of view is anything gained by having tenants who are at
odds with destiny, or anæmic, if not acutely ill, from bad air, bad
smells, foul vaults and cellars, surface drainage and contaminated food?
Was not Miss Hill entirely right when she declared that tenants and
their surroundings must be improved together?

Here was another trouble to be adjusted by the patient universal
arbiter. Italian children sat on Polish steps and refused to be
dislodged. Out of a cloud no bigger than a child’s uplifted hand came a
storm that threatened to destroy the peace of the street. Five nations
presently swept into the melee. No great matter, you say—but even so the
world-war started.

Wagon drivers for the meat packers’ distributing houses struck for a
dollar a week more. A little butcher couldn’t afford to let his chopping
block stay idle. He borrowed a push-cart and a neighbor helped him and
he fetched the meat himself, running the gauntlet of the angry
teamsters. But that is the reason, if you please, that he hasn’t the
rent today. There is so often the slenderest margin between a
sufficiency and dire distress in the case of the poor. To most of us a
strike is in the newspapers. To them a strike is in their lives—it may
come like a bolt of lightning crashing through the roof to disrupt a
home.

Perhaps the reckless joy-rider or motor-truck driver will never know how
many little children are kept within doors by their mothers for fear
they will be run over if they play in the street. But the rent-collector
knows. There are so many children shrieking and sprawling over the
cobbles already that it doesn’t seem as though there could be any left
in any of the houses. But there are always plenty more. Here are some,
too tiny to be allowed to go to the city swimming-baths. In the heat of
summer they wear scarcely any clothes, and their puny limbs stick out
from their tattered garments like twigs from a bird’s nest. They sit
here in the darkened room where their mother is sewing on trousers which
she “finishes” at nine cents a pair. The mother explains that she
doesn’t dare let them go out into the street—they might get run over. So
here they sit, listless, pale, forlorn. They laugh outright when you
play a child’s game on your fingers for them, and are loath to have you
go.

In another house sits a fair-haired girl with blue eyes, one of them
sadly atwist, and a scrofulous disfigurement marking what is almost a
pretty face. She is perhaps fourteen years old. You start to talk to her
and you find she is deaf and dumb. She has been at a school for such
unfortunates, the rent-collector explains, and this is her summer
vacation. It is certainly vacant enough.

Here are houses just about to be transferred to the Association.
Italians, mostly, occupy them. Notice the English sparrow that flutters
into a crevice of the bricks, where it wholly disappears as it finds its
nest. There is the common phenomenon of one hydrant outside, for
half-a-dozen families. In a dark angle of a yard, behind a woodshed
cluttered and foul, there is a pool of stinking black water out of which
you can fish rotten burlap and odds and ends of the social history of
all the houses. The curious children have turned pale green, like
sprouts in a cellar, and their arms are thin as pipestems. The stench
that emanates from the pool seems to have something to do with it. The
mother says—somewhat proudly—that a doctor has said that her children
have sluggish livers. She looks at you with a furrowed brow as she wipes
her hands in her apron. She is wondering whether there is any hope of
anything better in the way you are looking at her. “The landlord,” she
says, not knowing of the change to another regime that is imminent,
“never does nothin’ to the place but just collect the rent.”

A few years ago behind the rear wall of a large church there was a
pocket that those who praised God on the other side of the wall knew
nothing about. It adjoined a court of nine houses which the Octavia Hill
Association had acquired and improved. Through the court the inmates of
the four evil and invisible dwellings made their hasty escape to the
street when the law was on the trail that the gospel never found. The
owner was a well-to-do negro, who was content to take his money from an
agent and ask no questions. The agent was appealed to, again and again,
to put an end to the bedlam of drink and gambling, of fighting and
obscenity that made night hideous on the premises. Providentially the
owner died and the houses were bought by a friend of the Association who
turned them over to its care. There was nothing to do but to evict the
tenants. Polish immigrants of the poorest were put in. In the first year
after the change the rent-collector was able to show every cent
collected. In the second year the result was the same. In the meantime
the Association received its usual 7½ per cent. commission for
collecting the rents and the owners received in the first year 6.4 per
cent. and in the second year 6.5 per cent. on the investment.

Another striking object-lesson among many that might be cited as to the
value of the quiet influence of the rent-collector—an influence that
permeates as subtly as yeast—is to be seen in the group of houses for
the negro population on Naudain Street near the offices of the
Association, to which reference has already been made. One of these
houses, since it is given over to single old women, has come to be
called the “Old Ladies’ Home.” Would one find exemplary contentment let
him talk with an old crippled, blind woman who lives on the top floor.
“She is able to iron a shirt-waist without a wrinkle,” says the friendly
rent-collector. The order and the cleanliness of these rooms is
remarkable. There are stories of the plantation-life to be heard at the
lips of the old-time “Mammy” of Dixieland. There are the manners of the
great houses that have become historic landmarks, and of the days before
“Uncle Tom’s Cabin” was written. The whole House of Bishops of the A. M.
E. Church has to find room on the walls somewhere, and you will discover
that devout communicants are on their knees every night for the younger
generation who may fall a prey to the lures of the Devil along the Great
Black Way of South Street.

As for the all-important role of the Superintendent, it is hard to see
where his work begins or ends. There are just as many troubles as he
will give ear to. Here is a Jewish woman who turns loose a flood of
appeal and interrogation and never stops, when either the rent-collector
or the superintendent comes in sight. All she wants is all there is to
want; only a “blue sky” concession would satisfy her claims. But behind
all this importunity is maternal ambition. A piano in the house, and the
daughter’s lessons, mean stinting for all the rest, as in the case of a
home—not controlled by the Association—where a druggist’s clerk lives
and we find the kitchen range, the dinner-table and a Steinway
baby-grand crowded together in one small room.

The Association has its own force of mechanics, for work old and new,
and the superintendent is their “boss.” They have a repair shop in the
basement of the office at 613–15 Lombard Street for any work that is not
to be done on the premises. There they keep supplies of small hardware,
paint and lumber to be used as the call comes.

These mechanics attend to everything except the plumbing, the
roof-repairs, and the larger operations that involve considerable
plastering and brickwork. The plumbing is always as simple as it can be,
and when it is once installed the maintenance chiefly means keeping the
drains to the sinks and toilets in working order.

When houses are taken over for alteration, galvanized sinks with slate
backs are put in, except that in the better houses one-piece enameled
iron sinks are used. The water supply, run through galvanized pipe,
issues at brass spigots. Not much lead pipe is used—it is tempting to
thieves. The sink taps are iron.

One of the first things to do to an old house toward its rehabilitation
is to scrape off the paper. The Association has no love of many
thicknesses of paper concealing long neglect and the insidious lairs of
insects, and it generally applies paint or calcimine instead. Ten or
twelve coats of paper are common, and as many as twenty-seven have been
removed from the walls of one room. When the walls are scraped the
breaks in the plaster are likely to be alive with the vermin. The walls
are painted or calcimined in light tones that make an agreeable contrast
with the woodwork. Many tenants want paper, but they can be taught in
time the sanitary advantage of the alternative.

The exterior brickwork, frequently buckling and crumbling, requires much
attention, and often many feet of new wall must be built, or a wall
entirely replaced. Broken doors and rotting window-frames and sashes are
frequent items of expense. It is a mistake to renew glass in a sash too
weak to hold it. A new sash is a truer economy in the long run than one
that is patched up “to do.”

It might look as though in the case of a wrecked window-blind (usually
blinds are not found on Association houses) or a worn-out washer for a
spigot the tenant might display sufficient initiative to attend to the
necessary repairs himself; but there are so many ways of doing things
wrong and of damaging Association property that the Superintendent
actually prefers to have the tenants let things alone till he and his
own men can come.

A three story house at 1326 Kenilworth Street might be chosen as an apt
example of the superintendent’s reconstructive work. The rental of the
house before the Association took charge was $16 a month. It was sublet
to negro tenants who paid in all about $50 a month for their quarters.

It is now being rearranged for two-room apartments, one on each floor,
which will rent for eight dollars a floor per month, the rent payable in
weekly instalments. There is a toilet on each floor, and there is a sink
in each kitchen. Superfluous partitions that prevented the free
circulation of light and air have been taken out. A gesture of the
superintendent’s arms, as though he were lashing out in a gymnastic
exercise, told one more than his words. “I must get light and air,” he
said; and one thought of Octavia Hill’s insistence on this point.

One of a row of little houses in the rear is $8 a month. The former
owner put in a few cheap articles of furniture and collected $20 a
month. Under the Association the furniture is that of the tenants.
Improvements now being installed will add a dollar a month to the rent.
These little houses are called “one, two, three houses,” because they
are of three rooms only, one over another.

What an oasis we find here, as we look from the upper windows! The
houses round about—not Association property—have ruinous shacks at the
rear that hold broken boxes and barrels, superannuated chairs and
bedding and broken-down baby carriages. There is no clear space to sit
under a shade-tree, or plant morning-glories, or put a sandpile. One
longs to see the workmen who are paving the Octavia Hill courtyard below
turn their attention to the whole vicinity.

In the case of the property at 948–952 North Third Street, from six
privy-wells in the court, which extended partly under the kitchens, one
hundred barrels of filth in each case were taken. From another well, ten
feet in diameter and twenty-five in depth, 275 barrels were taken. The
figures convey some slight idea of the superintendent’s task as sanitary
engineer. The men, overcome by the stench of these vaults which had not
been thoroughly cleaned—it is said—in eighty years, worked in relays to
obtain the necessary breathing-spells.

There were disreputable tenants when the Association came to this court;
tenants who had influence with powers political and defied the new
administration to oust them. A law unto themselves, they made night both
hideous and dangerous to respectable neighbors. The drinking, brawling,
immoral occupants had to go, and today’s tenants are a very different
sort.

A Serb who inhabits one of the houses in the cement-paved court at the
rear is secretary of his lodge, and describes with pride the school for
thirty Serbian children which he and his countrymen have started at
Third and Brown Streets near by. In another house a woman is making some
embroidery to be sold for her church. She has been working on stems for
artificial leaves to trim hats, and she has made $3.50 to $5.00 a week
laboring from dawn to dark, at two cents and a half for a gross of
stems. But she is happy because she has a good husband, and this is
pin-money. The children of another house have taken a cast-iron bath-tub
and made for themselves a joyous swimmingpool with a few feet of hose
provided by their father. No wonder is it that former residents who
recently returned to the court to visit failed to recognize the place,
and were about to retreat abashed as trespassers. At the back of the
court is a good example of the wire fence installed in many places in
place of the solid board fence, to permit of the free circulation of
air. It should be noted that the solid blinds of old-time Philadelphia
dwellings are similar undesirable barriers to the medicinal
out-of-doors. So many tenants need to be taught the therapeutic virtues
of fresh air!

[Illustration:

  COURT OF 948–952 NORTH THIRD STREET PROPERTY, BEFORE ALTERATIONS.
    SURFACE DRAINAGE, ONE HYDRANT FOR SIX FAMILIES. TOILET NOT
    UNDERDRAINED AND OVERFLOWING AT TIME OF PURCHASE.
]

[Illustration:

  COURT OF 948–952 NORTH THIRD STREET PROPERTY, AFTER ALTERATIONS. EACH
    HOUSE HAS 4 ROOMS, WATER IN KITCHEN, GAS, TOILET. RENT, $8.50 PER
    MONTH.
]

Damp walls constitute a serious problem for the superintendent. Tenants
constantly complain of leakage into cellars. Often the water collecting
against the sashes of cellar windows or seeping under them rots the
sashes. If plastering is done directly on brick walls, the dampness will
come through in cold weather and appear in the form of “sweating” on the
inside. Much experimentation has developed the fact that the cheapest
and most satisfactory procedure is to give the walls several
applications of the substance known as tunlin. In some places this has
been in use three years on the walls and still keeps the moisture from
coming through.

By paying cash or by discounting its bills the Association has become a
desired customer, and the superintendent keeps his eye out for a rise in
prices or the possibility of a good bargain.

For instance, in the Kenilworth Street houses we note that the new
window-sashes are of bass wood, a good-looking and easily-handled
material. It now costs considerable more than it did a little while ago.
We find that the superintendent, before the price soared, bought a
quantity for $15 that would now cost $200 at least. It is, he explains,
soft enough to work in, old enough to have dried out, and the best
possible material for satisfactory mitre-joints.

We find that he bought twenty-five kegs of nails, in anticipation of the
rise, two days before there was an advance in price of 40 cents a keg.
When it is necessary in all ways to keep down prices for the sake of low
rents, and the dividing-line between profit and loss is so precisely
drawn, a saving of $10 on one such transaction is no trifling affair.

Nor does the Association save by cheating its tenants as the former
landlord did in the house where the twenty-seven thicknesses of
wall-paper were removed. It was found that this particular miscreant had
used manure instead of hair as a binder for the plaster.

By standardizing the various minor hardware a further saving is
effected. There are rim locks of uniform pattern for the outside of the
door, mortise locks of one type for the inside.

The paint is of much the same color. That means a match is readily
obtainable without making a special mixture.

All houses are fitted up for gas, an inexpressible relief to the
housekeeper who must otherwise face the hot range in summer.

Every effort is made to conserve the backyard trees, and it is the
superintendent’s favorite theory that these trees are meant to be sat
under and played under, as well as to shade the windows and the courts.

The Association in its office-building at 613–15 Lombard Street utilizes
the first floor for its own purposes, and rents the two upper floors to
careful tenants. The repair shop in the basement has been mentioned. All
day long the tenants of every race, and condition come to pay the rent
or to seek light upon the wide range of personal and social problems
indicated in the preceding pages. They are given to feel that the office
is their office, and that a deaf ear will never be turned to anyone who
really needs and honestly deserves counsel. They are receiving free of
charge—though they may be unaware of the fact—a business and a social
education. They find the data bearing on their individual cases
card-catalogued, and if they should be guilty of evasion, an accurate
system of book-keeping will bring them to confusion. No record of a
transaction in the business of the Association depends upon haphazard
recollection or mere say-so. The office-hours are conducted without fuss
or flurry, the floors are spotless, the desks are cleared for action.
Waste motion is eliminated, the virtues of thrift and of system are
illustrated, and still there is heart and human feeling in the
enterprise. It is not possible to visit the headquarters without
realizing at once the atmosphere of sincerity and diligence and
practical success that surrounds the work. It is philanthropy; and it is
business.




                                   V
                              DOES IT PAY?


Now we come to the question—does it pay? Obviously there are two sides
to the answer, one the material, the other the spiritual. Let us
consider, in the first place, the actual cash return.

We have already cited the satisfactory financial results in the case of
a few typical properties. It is a postulate that those who are looking
for the largest possible dividend on an investment without regard to any
other consideration will scarcely be satisfied with the 4 per cent.
which the Association is paying. The stockholders of the Association and
the directors as a rule are glad to realize that their investment is
providing good homes for the poor at low cost, and they are content to
forego the somewhat higher profits that might accrue if nobody cared how
the tenants lived.

A trust company, in behalf of an estate, had charge of a group of small
houses erected as model homes for the poor. Under the trust company’s
management, the average gross income from these houses for three years
was $72 per month and the net income was $14.34 per month. The property
came under the control of the Association. During the first two years
under the new order the gross income was $148, and the net income was
$70. The trust company, far from the scene, sent a clerk or depended on
the services of a local real estate agent. Neither personally interested
himself in the welfare of a tenant. The Association sent the friendly
rent-collector who immediately reported the need of repairs, watched the
workmen, stood at all times in the closest personal relation to the
living problem of the householder, and obtained good tenants as soon as
vacancies occurred, thus reducing to a minimum the losses due to unlets.

We see that under the system of absentee landlordism the net returns
were about a fifth of the gross receipts, while under the system of
constant personal vigilance the net returns were about one-half of the
gross income.

The inherent possibilities of the Association’s system extended to
Chambers of Commerce or Boards of Trade or Women’s Clubs are almost
infinite. One of the best rent-collectors the Association has had says
that the essential things are “to know the value of money and of
punctuality, a little housekeeping, a little home-making—the rest will
come in the doing.” Collectors of this type, in the employ of the
Association, could give invaluable aid as agents to trust companies and
other organizations that occupy a fiduciary relation toward the owners
of property in the congested areas.

The organization and operation of the Model Homes Company, formed to
build the group of houses in the Richmond district, have been described.
To show how closely, from long experience, the Association figures on
the cost of repairs and other expenses, a leaf may be taken from the
account books of the Model Homes Company. These estimates and actual
costs are, except as noted, for a year ending November 29, 1916.

                                Estimated       Actual
          Taxes                 $  780.00 $  779.97
          Water rents              382.50    382.50
          Repairs & allowances     675.00    327.75 (11 mos.)
          Depreciation             450.00    450.00
          Unlets                   302.00    138.10 (11 mos.)
          Losses                               9.00 (11 mos.)
          Fire Insurance            30.88     30.88
          Liability Insurance       26.66     26.68
          Cost of Collection       441.75    413.60 (11 mos.)
          Interest on Mortgages  1,870.00  1,575.36 (11 mos.)

Here is another example of the profitable handling of houses that had
seen better days.

In 1903 the Association bought as agent two four-story brick houses
about half occupied by a low class of negroes. Everything within and
without was as bad as it could be. The houses had been converted from
private residences into tenements without the knowledge of the city
authorities. Behind the larger houses were six of the little “one, two,
three” houses, all served by one hydrant. The owners had relied entirely
on an agent who cared for nothing but the rents. When at last they saw
what they had on their hands they were horrified, and parted with it for
a lower price than they had named at first—$4,870.26. The alterations
and repairs came to $3,214.06. The ground rent was $1,700. The insurance
was $45.00. Five per cent. commission to the Association for making
repairs added $160.70, giving a total cost of $9,990.02.

Now let us see what the Association got out of it, after putting in
toilet facilities, skylights and windows, repairing roofs and rain
conductors, plastering the walls and painting the woodwork, providing
fire-escapes and making all minor repairs. In the larger houses the
weekly rents were 78 cents per room, and in the smaller 55 cents per
room, or $1.65 for the house.

The rents in the first year, 1904, were $1,210.95. Taxes were $126.21;
water rents, $41.50; repairs, $174.37; 7½ per cent. commission to the
Association, $90.80. This gave a balance to the owner of $778.07, or a
net return of 7.7 per cent. on the investment.

In the year following the rents were $1,203.55, and the balance to the
owner was $822.81, or 8.2 per cent. net on the investment.

The Association does not expect to show a return greater than 4 per
cent.; it does not promise even this. It finds it advisable in some
cases to withhold a return for a time and turn back what profits there
may be into the improvement of the property. This has been done by the
express desire of the owners in certain instances. A temporary
stringency of the market and the high cost of building materials or of
labor are conditions that are instantly reflected in the balance sheet
of an organization traveling on so close a margin. But prudent husbandry
has made it possible to show that while the return in exceptional
instances has fallen below four per cent. it has frequently risen to
double or nearly double that figure. We have seen that on the League
Street houses in the Second Ward the return soon after occupation was
7.5 per cent. per annum, and these were houses in an exceedingly
dilapidated condition. The North Third Street property from which the
hundreds of barrels of filth were taken showed a return of six per cent.
in the first year.

The total income of the Association for 1916 was $26,496.23. From
rentals there accrued $18,834.23; the agency commissions totalled
$3,792.84; the dividend on Model Homes Company stock was $1,400.00;
commissions on new construction and renovation planned and supervised
for other owners amounted to $2,469.16. As the expenses of operation
came to $17,799.26, the net earnings for the year were $8,696.97. The
dividend of 4 per cent. payable February 1, 1917 left a small balance of
$13.26 to add to the outstanding surplus of $15,973.01,—a surplus
chiefly created by gifts and bequests to the Association.

It should be noted that the above showing is made in spite of certain
adverse circumstances. Materials and labor had risen in price. The sum
of $896.40 was charged against the year’s earnings for repair work
undertaken in cooperation with the Emergency Aid Committee. A capital
stock tax of one-half of one per cent., collected on the entire issued
capital, covered a period of 14 months and amounted to very nearly
$1,200. Under such conditions as these it would have been impossible to
maintain the four per cent. dividend without the commissions earned on
the planning and supervision of new construction and initial renovation
of agency properties, as well as the customary agency fees. There is no
doubt that the Association, which is very distinctly a philanthropic
institution to which the business administration is incidental, should
be relieved of the heavy burden of the capital stock tax. The dividends
the Association periodically declares are paid to attract investors in
dwellings for the poor. They are not earned for the sake of enabling
those who own small houses to amass a fortune.

Such work as that of the Octavia Hill Association brings returns that
are beyond the immediate cash appraisal, and creates a satisfaction
deeper than any that has to do with the dollar-sign. In scores of
American cities that are now planning good homes at low rates for
earners of modest wages, made necessary by the rapid expansion of
industrial interests, it is realized that it is fundamental to civic
prosperity, as well as to individual felicity, to give the people who
are not rich the fullest measure of comfort and happiness procurable for
what they are able to pay. The public is learning day by day what it has
a right to expect, and is finding out that the corruption of politics,
while pretending to confer a benefit, often perpetrates the rankest
fraud. The taxpayer, intelligently informed, is demanding the worth of
his contribution to the city treasury. The children in school are
acquiring that salutary discontent with things as they are and that
spirit of intelligent interrogation that are the conditions precedent to
human progress. For it is rightly said that asking questions is the
beginning of reform.

Such an understanding as that which the Octavia Hill Association
promotes between landlord and tenant pays dividends in the supreme
pleasure it is to any wise and kind trustee of great wealth to know that
his money is easing the burden of living for the humble toiler. The
absentee landlord, content with an agent’s accounting, who does not care
to take the trouble to see who occupies his houses and what kind of
houses are occupied, can never realize the cordial satisfaction that one
who takes an intimate personal interest in his property experiences.

The investment is in so much more than bricks and mortar, concrete and
cast iron. It is an investment in human lives, and it underwrites the
welfare of the city, the country, the world in the age to come by
assuring the health and happiness of the unborn. If he who makes two
blades of grass grow where one grew before is a benefactor, then what is
he who tears down a ramshackle tenement and rears in its place such a
house as the Casa Ravello, where many families enjoy the privileges of
privacy and individuality, or a group of houses such as those in the
Richmond district, where the children have abundant play room and each
occupant controls half his house, or a small home for one family of
which so many examples are entered on the books of the Association in
various localities and at varying prices, all within a modest range?

The Octavia Hill investor can be very sure his dividend does not come
from living conditions that it would perturb an active conscience to
know about. There is nothing that need fear exploitation. A constant
prophylactic scrutiny prevents those living conditions that are the
shame of every city that in this twentieth century tolerates them.

If the Association were engaged in its blest business for the money
only, it could not have enlisted through all these years the intense
interest of so many who have realized in their own experience the
correlation of the kind of house a person lives in and the kind of
character that is therein developed. Too long have we taken it for
granted that the poor love to live poorly: a survival of the mediæval
tradition that only the nobles had noble emotions, and that the crowd
merely existed as a foil to the luminous brave deeds of a chivalry
monopolized by the upper classes. Today we feel that

                  “The best things any mortal hath
                  Are those that every mortal shares,”

and in that faith those who know what it means to have “the social
conscience” plan and act.

Year after year the Annual Reports of the Octavia Hill Association have
presented with brevity and precision the summation of the progress in
the twelve months. Here are set down the statement of net earnings, the
explanation of unusual expenditures, the current history of properties
long in possession of the Association or newly acquired, the transfer of
property for any reason, the peculiar problems that have presented
themselves, the formation of subsidiary or contributory bodies, the
particular objectives in view or the directions in which the Association
is prepared to offer especially helpful service. The audited Treasurer’s
Report appended enables one to see in its clear and simple presentment
where every cent has gone, and what the return has been on the Agency
Account for each property. But for all the explicit story, one still
must read between the lines to comprehend completely what has been going
on in each of the homes which—without an odious paternalism—has come
under the trained and keen observation of the friendly rent-collector
and the executive superintendent.

The question of whether the enterprise pays or not is put on the highest
ground by those who best understand what the Association is not merely
trying to do but effectually doing. Go to the little Hector McIntosh
playground and watch the children laughing and caroling in the swings,
digging in the sandpile and pretending a sea-beach, sliding uproariously
down their little wooden toboggan, racing about at tag, gay as
butterflies, and ask them if it pays. Go to the mothers in the shade of
the trees of Workman Place, or culling fresh vegetables and flowers from
their own little gardens, there in the thick of the maelstrom of the
shabbiest part of the city, and ask them. Go to those of the negro race
who have hitherto been forced to live on the Jim Crow leavings of
everything, whether they wanted to be clean and decent or not, and ask
them. But do not ask the landlords who are losing money because the poor
are discovering what it is reasonable to demand of every landlord. Do
not ask a miser or a skinflint or a misanthrope if it pays.

This study has been completely a failure if it has not disclosed the
fact that sense and sentiment are yokefellows to mutual advantage in
this undertaking. There must always be those for whom philanthropy and
business cannot discover a common denominator. That is why the personal
examples of Octavia Hill and of those who follow in her train are of
value, for these examples prove to a thinking majority that such work as
theirs is not the altruism of dreamy, vague enthusiasts, but that of
persons with “their souls in the work of their hands,” who are
translating into a balance on the right side of the ledger their
aspiration for better things for “the poor and him that hath no helper.”
In twenty-one years this program and its outworking have been submitted,
not once, but again and again, to the pragmatic test, and have emerged
triumphant.

The principles on which the enterprise was founded and is conducted
promise its immortality and its expansion indefinite. It conflicts with
no extant organization except the cohesion of the predatory forces of
greed and deception. It does not mean the duplication of effort or the
multiplication of superfluous offices; it does not economically call for
amalgamation with other societies of parallel function. It meets a need
that is real and constant, and it invokes the support and cooperation of
good citizenship. It must be allowed to help the city more and more, and
in its turn it must always receive the official aid which has been and
is generously accorded.

In every large city a problem similar to that which has faced the
Association must be met, if the community does not shirk the obligation
to its own dependent stratum. In every large city the prestige of the
whole community is impaired if dirty streets, a lack of good water,
smoke-clogged air and disreputable hovels are constituents of the social
order. It is a truism that wherever a large working population
congregates these are evils that call for a vigil unceasing. The
fundamental advantages that make life livable for rich and poor alike
are not wafted on the breath of a pious aspiration. They come by
somebody’s downright work for them. They come by the banded effort of
good citizens. They come by an unremitting holy warfare on all
Apollyon’s brood of evils that are the sequel to the reign of the
spoilsman in politics. If it be a true religion that visits the
fatherless and the widows in their affliction then this is a work that
may well engage the attention of the professors of that religion, for it
keeps a roof over the heads of many who cannot satisfy a mercenary
landlord’s demand. Its appeal is various and profound; its outreach is
beyond any hard-and-fast limitation; its record is an open book of
progress step by step, season by season toward a goal clearly seen from
the start. The Octavia Hill Association has kept faith with the sainted
memory of her whose name it bears; it has kept faith with the great
public of the city which it is destined to serve more largely as its
resources increase and its assistants multiply; it has kept faith
finally, with its own ideals, which are those of all who believe in that

                    “far-off divine event
                  To which the whole creation moves.”




                               APPENDIX I
         OFFICERS AND DIRECTORS OF THE OCTAVIA HILL ASSOCIATION


                   CHARLES H. LUDINGTON, _President_
                       Curtis Publishing Company.

                  THEODORE J. LEWIS, _Vice-President_
                            Morris Building.

                 JOSEPH R. CARPENTER, JR., _Treasurer_
                       THE PENNSYLVANIA COMPANY.

                   MISS HELEN L. PARRISH, _Secretary_
                        313 SOUTH TENTH STREET.

                          MISS EDITH F. BIDDLE
                          JOHN IRWIN BRIGHT
                          ARTHUR C. EMLEN
                          MISS HANNAH FOX
                          NATHAN HAYWARD
                          EDGAR B. HOWARD
                          MISS MARY H. INGHAM
                          DR. H. R. M. LANDIS
                          MISS ESTHER LLOYD
                          STACY B. LLOYD
                          DR. MARY T. MASON
                          EARL B. PUTNAM
                          ISAAC W. ROBERTS
                          PARKER S. WILLIAMS
                          DR. GEORGE WOODWARD

                       OFFICE OF THE ASSOCIATION
                       613 AND 615 LOMBARD STREET

                  FREDERICK C. FELD, _Superintendent_




                              APPENDIX II
                BY-LAWS OF THE OCTAVIA HILL ASSOCIATION


                            ARTICLE I. NAME.

The name of the Association shall be “THE OCTAVIA HILL ASSOCIATION.”


                          ARTICLE II. OBJECTS.

The objects of this Association are as stated in its certificate of
incorporation, as follows: “Holding, selling and leasing real estate.”

The aim is to improve the living conditions in the poorer residence
districts of the City of Philadelphia. To accomplish this purpose the
Association buys dwellings and other real estate and improves them so as
to make them habitable and healthful. It endeavors thereby to improve
the moral and physical condition of the tenants. It offers its services
as agent to other owners of like properties. In this capacity it attends
to collections, alterations and repairs, clerical and special work,
general oversight, etc., and makes a fair charge for such services.


                     ARTICLE III. PRINCIPAL OFFICE.

_Section 1._ The principal office of the Company shall be in the City of
Philadelphia.

_Section 2._ All meetings of stockholders of the Company and the meeting
of Directors shall be held at the office of the Company, or other
convenient place in the City of Philadelphia.


                         ARTICLE IV. MEETINGS.

_Section 1._ The annual meeting of the stockholders shall be held at
such hour and place as the Directors may appoint, on the fourth Monday
of January in each year.

At the annual meeting the Directors shall present a report of their
proceedings and of their financial transactions, and it shall be in
order for any stockholder to present for consideration any subject
relating to the welfare of the Association. Notice of all annual
meetings to be mailed to the last recorded address of each stockholder
as furnished to the Secretary as hereinafter provided, at least five
days before the date of said meeting.

_Section 2._ Special meetings of the stockholders may be called by order
of the Board of Directors when deemed necessary by them, or on the
written request of at least five stockholders, and notice of such
meetings shall be given in the same manner as above provided in the case
of the annual meetings.

_Section 3._ The stockholders present in person or by proxy at an annual
meeting shall constitute a quorum; at special meetings one-third in
interest of the stockholders in person or by proxy shall be required to
constitute a quorum. All proxies shall be dated within ninety days of
the meeting when they are to be used.

_Section 4._ The stockholders at the annual meeting may name a maximum
sum, all or any part of which in their discretion, in such proportions
as they see fit, the Directors may appropriate as salary for the
Officers.

_Section 5._ At each annual meeting the stockholders shall elect twenty
of their own number by ballot, to act as a Board of Directors. The
majority of the votes cast shall elect. At such election the
stockholders shall appoint two persons to act as Judges of the election,
and the election shall be conducted in accordance with Section 8 of the
Act of Assembly of April 28th, 1874, regulating corporations. Cumulative
voting shall be allowed as provided for in Section 10 of the said Act of
1874, and amended by Act of April 25th, 1876.

_Section 6._ The Board of Directors shall hold stated meetings on the
day and immediately after the annual meeting. It shall hold regular
monthly meetings at such place and on such day and hour as it shall from
time to time determine. Special meetings shall be held upon the call of
the President or two Directors, said call to be mailed to the Board of
Directors at least three days before the time of meeting. Those
Directors who are present shall constitute a quorum for the transaction
of business, provided not less than three are in attendance.


                         ARTICLE V. DIRECTORS.

_Section 1._ The business of the corporation shall be managed by a Board
of twenty Directors who shall be elected by the stockholders at each
annual meeting, and shall hold office for one year or until their
successors shall be chosen.

_Section 2._ In case of the death, resignation, disqualification or
removal of any of the Directors, the Board of Directors may fill the
vacancy by the election of a member for the unexpired term. The
Directors shall elect the Officers of the Company, viz.: President,
Vice-President, Secretary and Treasurer. The Secretary and Treasurer may
or may not be Directors.

_Section 3._ The Directors shall have full authority to make contracts
and shall take all steps necessary for the conduct of the business; they
shall have power to appoint whatever officers, agents and employees may
be necessary to properly carry on the business of the Company, and to
discharge them at any time, and prescribe and fix the compensation of
such officers, agents or employees, subject to the vote of the
stockholders, as prescribed in Article 4. They shall have full control
and management of all the business of the Company, and may delegate to
such Agent or Agents, as they deem best, such of their powers as they
may find necessary and for the advantage of the Company to so delegate.

_Section 4._ They shall cause the books of the Treasurer to be audited
immediately before each annual meeting and shall exhibit to the
stockholders at the annual meeting, or oftener if expedient, a statement
or report showing the financial condition of the Association; the amount
due by the Association, the amount of profit and loss sustained during
the year. They shall judge of the expediency of declaring dividends, and
if declared, the amount. They shall also report fully upon the moral
side of the work.


                    ARTICLE VI. DUTIES OF OFFICERS.

_Section 1._ The President shall perform the usual duties of the
President, shall attend and preside at all meetings of Stockholders and
of the Board of Directors, shall convene the Board of Directors whenever
in his judgment a session is required, or whenever requested to do so,
as provided in Article 4. In the absence of the President the Board of
Directors shall appoint a President _pro tem._

_Section 2._ The Secretary shall act under the direction and
superintendence of the President, attend all meetings and keep in
suitable books the minutes thereof, superintend the keeping and have
charge of the books, papers and records pertaining to his office, sign
such documents as shall require his signature, issue notices for all
meetings and perform generally all the duties incident to the office of
Secretary.

The address of each stockholder shall be kept by the Secretary, which
address shall be furnished by the stockholder. He shall have custody of
the corporate seal, and attest it whenever applied.

_Section 3._ The Treasurer shall give bond for the faithful discharge of
his duties in such sum and with such sureties as the Board of Directors
from time to time may require. He shall have charge of the funds of the
corporation, shall keep its accounts, and exhibit a statement of its
affairs at the annual meeting of the stockholders, and at each regular
meeting of the Directors. All money belonging to the Company shall be
deposited in its name in some bank of Philadelphia approved by the
Directors, and shall be drawn therefrom only by checks signed by the
Treasurer, who shall pay no bills unless approved in writing by the
Chairman of the Committee, or of the sub-committee, authorized to
contract them. The Treasurer shall keep the stock books of the Company
in proper form.

In the Treasurer’s absence the Board of Directors may delegate one of
their number to act as Treasurer _pro tem._ It shall be possible for a
Trust Company to act as Treasurer.


                    ARTICLE VII. STOCK CERTIFICATES.

_Section 1._ Certificates of stock shall be issued under the seal of the
Company, and be signed by the President and Treasurer of the Company and
attested by the Secretary.

_Section 2._ No transfer of stock shall be allowed except by transfer on
the books of the Company, in person, by the person to whom issued or by
his or her duly authorized attorney. The Secretary shall cancel the
original certificate before signing a new one in lieu thereof.

_Section 3._ No certificate of stock shall be transferable on the books
of the Company while the assignor of such certificate of stock shall be
indebted to the Company, unless a majority of the Board of Directors
authorize such transfer.

_Section 4._ Duplicate certificates may be issued for those lost or
destroyed under such terms as may be prescribed by the Board.


                     ARTICLE VIII. TRANSFER BOOKS.

The transfer books of the Company shall be closed for five days next
preceding the annual election and the days appointed for the payment of
dividends.


                     ARTICLE IX. ORDER OF BUSINESS.

  1. Roll Call.

  2. Reading the Minutes of the previous meeting.

  3. Report of the Officers or Board.

  4. Reports of Special Committees.

  5. Report of Regular Committees.

  6. Unfinished Business.

  7. Communications.

  8. New Business.

  9. Elections.

 10. Adjournment.


                         ARTICLE X. AMENDMENTS.

These By-Laws may be altered or amended at any meeting of the
stockholders duly convened, or at any annual meeting, provided notice
that an amendment will be offered shall have been given in the notice
for the meeting. No change shall be made in these By-Laws except by vote
of two-thirds of the stock represented at such meeting.




                              APPENDIX III
TABLES SHOWING WORK AND GROWTH, INCOME AND VALUATION OF PROPERTY OF THE
                        OCTAVIA HILL ASSOCIATION


             GROWTH OF OCTAVIA HILL ASSOCIATION, 1896–1916

 ═════╤═════════════════════════════════════════╤══════════════════════════════
      │               PROPERTIES                │           FAMILIES
 ─────┼─────┬───┬──────┬───────────────┬────────┼──────┬──────┬──────┬─────────
 Year │Total│Old│ New  │    HOUSES     │Tenement│Total │ One  │ Two  │Tenements
      │     │   │      │               │        │      │Family│Family│
      │     │   │      │               │        │      │Houses│Houses│
 ─────┼─────┼───┼──────┼──────┬────────┼────────┼──────┼──────┼──────┼─────────
      │     │   │      │ For  │For two │        │      │      │      │
      │     │   │      │ one  │Families│        │      │      │      │
      │     │   │      │Family│        │        │      │      │      │
 ─────┼─────┼───┼──────┼──────┼────────┼────────┼──────┼──────┼──────┼─────────
  1896│    5│  5│      │     4│        │       1│    10│     4│      │        6
  1897│   14│ 14│      │    13│        │       1│    19│    13│      │        6
  1898│   14│ 14│      │    13│        │       1│    19│    13│      │        6
  1899│   31│ 31│      │    30│        │       1│    36│    30│      │        6
  1900│   34│ 34│      │    32│        │       2│    45│    32│      │       13
  1901│   35│ 35│      │    32│        │       3│    50│    32│      │       18
  1902│   40│ 40│      │    36│        │       3│    56│    36│     2│       18
  1903│   36│ 36│      │    33│       1│       2│    48│    33│     2│       13
  1904│   40│ 38│     2│    35│       3│       2│    54│    35│     6│       13
  1905│   39│ 37│     2│    34│       3│       2│    53│    34│     6│       13
  1906│   46│ 44│     2│    39│       3│       4│    67│    39│     6│       22
  1907│   46│ 44│     2│    39│       3│       4│    67│    39│     6│       22
  1908│   50│ 48│     2│    42│       3│       5│    75│    42│     6│       27
  1909│   65│ 61│     4│    54│       6│       5│    93│    54│    12│       27
  1910│   82│ 78│     4│    67│       8│       7│   122│    67│    16│       39
  1911│  120│116│     4│   103│      10│       7│   162│   103│    20│       39
  1912│  124│112│    12│   101│      16│       7│   172│   101│    32│       39
  1913│  124│112│    12│   101│      16│       7│   171│   101│    32│       38
  1914│  143│131│    12│   116│      20│       7│   189│   116│    40│       33
 1915{│  143│131│{12   │{116  │{20     │       7│{189  │{116  │{40   │       33
      │32[1]│   │{32[1]│{16[1]│{16[1]  │        │{48   │{16   │{32   │
 1916{│  147│143│{6    │{121  │{18     │       8│{196  │{121  │    36│       36
      │32[1]│   │{32[1]│{16[1]│{16[1]  │        │{48[1]│{16[1]│ 32[1]│
 ═════╧═════╧═══╧══════╧══════╧════════╧════════╧══════╧══════╧══════╧═════════

Footnote 1:

  Includes houses owned by Philadelphia Model Homes Co.


               CHARACTER AND GROWTH OF AGENCY PROPERTIES

 ════════════════════════════════════════════════════════
                        PROPERTIES
 ───────┬───────┬───────┬───────┬───────┬───────┬────────
  Year  │ Total │  Old  │  New  │  One  │  Two  │Tenement
        │       │       │       │Family │Family │
        │       │       │       │       │       │
 ───────┼───────┼───────┼───────┼───────┼───────┼────────
  1898  │     17│     17│       │     17│       │
        │     29│     29│       │     25│       │       3
        │     29│     29│       │     25│      1│       3
        │     37│     37│       │     26│      3│       8
        │     43│     43│       │     31│      3│       9
        │     64│     63│      1│     42│      8│      14
        │     79│     78│      1│     54│     10│      15
        │    104│    103│      1│     79│     10│      15
        │    120│    117│      3│     88│     11│      21
  1907  │    120│    117│      3│     88│     11│      21
        │    145│    142│      3│    111│     13│      21
        │    176│    173│      3│    140│     15│      21
        │    182│    178│      4│    143│     16│      23
        │    179│    175│      4│    140│     16│      23
        │    181│    177│      4│    141│     14│      26
        │    189│    185│      4│    141│     13│      32
  1914  │    210│    206│      4│    168│     11│      37
  1915  │    220│    210│      4│    170│     11│      39
  1916  │    228│    214│     13│    172│     18│      38
 ═══════╧═══════╧═══════╧═══════╧═══════╧═══════╧════════

 ════════════════════════════════════════
                   NO. FAMILIES
 ───────┬────────┬───────┬───────┬───────
  Year  │ Total  │  One  │  Two  │ More
        │        │       │       │ than
        │        │       │       │  two
 ───────┼────────┼───────┼───────┼───────
  1898  │      17│     17│       │
        │      49│     25│      2│     22
        │      49│     25│      2│     22
        │      89│     26│      6│     57
        │     101│     31│      6│     64
        │     177│     42│     16│    119
        │     209│     54│     20│    135
        │     234│     79│     20│    135
        │     287│     88│     22│    177
  1907  │     287│     88│     22│    177
        │     321│    111│     26│    184
        │     357│    140│     30│    187
        │     346│    143│     32│    171
        │     343│    140│     32│    171
        │     386│    141│     28│    217
        │     392│    141│     26│    222
  1914  │     435│    168│     22│    251
  1915  │     451│    170│     22│    259
  1916  │     464│    172│     36│    256
 ═══════╧════════╧═══════╧═══════╧═══════


                 RETURNS ON THE FOUR OLDEST PROPERTIES

 ════════════════╤═════════════╤═════════════╤═════════════╤═════════════
     Property    │    Years    │ Net Return  │ Net Return  │ Net Return
                 │  Acquired   │    1900     │    1915     │    1916
 ────────────────┼─────────────┼─────────────┼─────────────┼─────────────
 518 So. 7th St. │    1896     │    4.8%     │    5.6%     │    5.4%
 529 Lombard St. │    1897     │    4.6%     │    5.8%     │    5.6%
 Front & League  │    1899     │    4.5%     │    5.3%     │    4.6%
   Sts.          │             │             │             │
 514 S. 7th St.  │    1900     │    3.1%     │    5.2%     │    1.5%
 ════════════════╧═════════════╧═════════════╧═════════════╧═════════════


                     INCOME FROM TYPICAL PROPERTIES

 ═════════════════════╤═════════╤═════════╤═════════╤═════════╤═════════
      Location of     │ Date of │ Income  │ Income  │ Income  │ Income
      Properties      │  First  │  First  │ Second  │  1915   │  1916
                      │  Care   │  Year   │  Year   │         │
 ─────────────────────┼─────────┼─────────┼─────────┼─────────┼─────────
 Franklin Court       │     1906│$1,394.38│$1,534.68│$1,475.09│$1,474.59
 502–4–6 Kater St.    │     1898│   437.20│   410.50│   468.00│   468.00
 510 South 7th St.    │     1903│   357.35│   431.20│   454.83│   449.70
 708 Lombard St.      │     1909│   710.75│   720.00│   725.50│   [2]
 304 League St.       │     1909│   241.50│   227.00│   268.25│   274.50
 241–3 Queen St.      │     1910│   621.75│   724.50│   826.05│   939.93
 414–6 Perth St.      │     1903│   263.75│   334.00│   336.00│   336.00
 Webster St.          │     1899│   909.40│   968.95│ 1,055.50│ 1,024.00
 422 Perth St.        │     1904│   165.00│   162.00│   168.00│   168.00
 Rodman & Naudain Sts.│     1901│ 1,122.50│ 1,166.33│ 1,263.25│ 1,207.25
 521 Randolph St.     │     1907│   280.25│   238.25│   293.00│   288.00
 510 Reese St.        │     1899│   222.00│   228.35│   270.00│   250.75
 523 Reese St.        │     1901│   446.71│   483.95│   562.05│   535.15
 ═════════════════════╧═════════╧═════════╧═════════╧═════════╧═════════

Footnote 2:

  Under Alteration in 1916.


                          THE SALARIED WORKERS

 ═══════════╤═══════════╤═══════════════════════╤═══════════════════════
    Staff   │  Monthly  │     Octavia Hill      │   Agency Properties
            │  Salary   │Association Properties │
 ───────────┼───────────┼───────────┬───────────┼───────────┬───────────
            │           │ % of time │ Amount of │ % of time │ Amount of
            │           │           │  Salary   │           │  Salary
 ───────────┼───────────┼───────────┼───────────┼───────────┼───────────
      A     │    $200.00│      66.67│    $133.34│      33.33│     $66.66
      B     │      83.33│      47.91│      39.93│      52.09│      43.40
      C     │      65.00│      50.00│      37.50│      50.00│      32.50
      D     │      70.00│      18.97│      13.08│      81.03│      56.91
      E     │      50.00│      66.67│      33.34│      33.33│      16.60
      F     │      50.00│      43.25│      21.62│      56.75│      28.38
 ───────────┼───────────┼───────────┼───────────┼───────────┼───────────
    Total   │    $518.33│           │    $273.82│           │    $244.51
 ═══════════╧═══════════╧═══════════╧═══════════╧═══════════╧═══════════


   TABLE SHOWING PER CENT OF ORIGINAL COST SPENT IN REPAIR AND ANNUAL
 AVERAGE NET RETURN IN PROPERTIES OWNED BY THE OCTAVIA HILL ASSOCIATION

 ════════════════════════════════════════════════════════════════════════════
           Location               Year      Original                 Cost of
                                Purchased   Cost of                 Original
                                            Property                 Repairs


 ────────────────────────────────────────────────────────────────────────────
 518 S. 7th St.                   1896      $7,193.95               $3,333.05
 529 Lombard St.                  1897       7,000.00                2,648.90
 Front and League St.             1899       8,500.00                3,171.70
 514 S. 7th St.                   1900       3,800.00                  317.67
 722–24 Lombard St.}              1904       5,462.95                  981.37
 717–19 Nandain St.}                           578.68 new houses     3,288.03
 234–6–8 Monroe St.               1906      12,942.25                1,464.33
 306 League St.                   1908       2,655.92                  387.78
 516 South 7th St.                1908       5,213.18                  458.94
 417–21 Perth St.                 1909 417     658.84                  655.28
                                       421     878.57                  673.35
 427–29–31 Montrose St.[3]        1909       9,742.61 (new)          6,218.82
 235–7–9 Queen St.                1910      12,176.80                2,711.16
 304–6–8 Lombard St.[3]           1910       9,075.50                1,983.71
 613 Lombard St.                  1910       2,549.40                1,253.58
 523–551 East Rittenhouse St.  1911–12     38,577.881 (new and old)
 North Front St.                  1911      17,599.25                5,350.96
 Addison Court                    1914       2,350.00                  650.00
 723–25 Naudain St.[4]            1914       2,011.15                  424.80
 948–50–52 N. 3d St.              1914      15,112.71                6,135.39
 3–5–7–9–11 League St.            1916       3,603.25                1,692.48
 ════════════════════════════════════════════════════════════════════════════

 ═════════════════════════════════════════════════════════════════════════════
           Location               % of    Net    Net    Net   Average  No. of
                                Repairs  Return Return Return Annual  Years on
                                   of    First   1912   1916    Net    Which
                                Original  Year                Return  Revenue
                                                                      Computed
 ─────────────────────────────────────────────────────────────────────────────
 518 S. 7th St.                    46.33    4.8    3.3    5.4     5.2       17
 529 Lombard St.                   37.84    4.6    6.0    5.6     5.4       17
 Front and League St.              37.31    4.5    3.8    4.6     5.1       17
 514 S. 7th St.                     8.35    3.1    6.6    1.6     5.9       16
 722–24 Lombard St.}             17.96}     6.6    5.2     4.     5.4       12
 717–19 Nandain St.                   }
 234–6–8 Monroe St.                11.31    5.6    4.8    4.3     4.4       10
 306 League St.                    14.60    3.2    0.9    4.5     2.9        8
 516 South 7th St.                  8.80    6.2    4.1    1.6      4.        8
 417–21 Perth St.                99.58}     7.0    6.5     7.     6.7       13
                                 76.69}
 427–29–31 Montrose St.[3]         63.83    5.3    4.8    3.8     4.6        6
 235–7–9 Queen St.                 22.26    4.8    4.9    3.1     3.9        6
 304–6–8 Lombard St.[3]            21.85    2.5    3.6    3.0     3.2        6
 613 Lombard St.                   49.18    4.9    4.2    3.4     3.9       10
 523–551 East Rittenhouse St.               3.1           4.2  3.9[3]        4
 North Front St.                   30.40    3.1           2.6     1.7        4
 Addison Court                     27.65    8.7    3.6    6.1     5.7       14
 723–25 Naudain St.[4]             21.12    6.4    5.3    5.8     5.3       11
 948–50–52 N. 3d St.               40.59    3.8           3.5     3.6        2
 3–5–7–9–11 League St.             32.00                  6.4     6.4        ½
 ═════════════════════════════════════════════════════════════════════════════
Footnote 3:

  Property under alterations during 1916—figure given for 1915.

Footnote 4:

  Property sold in 1916—figure given for 1915.


                            RENT COLLECTIONS

 ═══════════════════════╤═══════════════════════╤═══════════════════════
          Year          │   Value of Property   │    Rents Collected
 ───────────────────────┼───────────────────────┼───────────────────────
          1896          │             $10,500.00│                $466.70
          1897          │              18,705.00│               1,001.17
          1898          │              20,048.90│               1,709.91
          1899          │              30,386.13│               2,567.43
          1900          │              35,965.27│               3,187.08
          1901          │              39,160.27│               3,381.36
          1902          │              42,493.85│               4,142.85
          1903          │              39,213.18│               5,271.45
          1904          │              49,564.21│               4,772.40
          1905          │              47,789.95│               4,962.36
          1906          │              60,807.20│               5,688.09
          1907          │              62,496.53│               6,339.89
          1908          │              68,285.41│               6,346.70
          1909          │              82,474.35│               7,455.12
          1910          │             109,530.19│               9,254.92
          1911          │             148,216.13│              11,623.13
          1912          │             180,012.95│              14,149.92
          1913          │             181,347.78│              15,295.08
          1914          │             210,031.83│              17,585.60
          1915          │             228,031.83│              18,444.74
          1916          │          276,026.63[5]│           24,672.50[5]
 ═══════════════════════╧═══════════════════════╧═══════════════════════

Footnote 5:

  Includes value and collections of the Philadelphia Model Homes Co.


                    PHILADELPHIA MODEL HOMES COMPANY

                THE RETURNS FOR 1916. (See pages 60–65.)

 Total Possible Income from January 1st, 1916 to Dec. 31st,
   1916                                                        $6,144.00
      Unlets                                                      124.35
                                                               —————————
 Total Net Collections                                         $6,019.65

                                EXPENSES

 Repairs                                              $265.35
 State and Federal Taxes                               120.27
 City Taxes, 1916                                      779.97
 Water Rents, 1916                                     382.50
 Insurance, Fire and Liability                          75.97
 One-half of one month’s rent to tenants               129.40
 Interest on $43,550 at 4.4% per annum               1,916.20
 Depreciation                                          500.00
 7½% Commission on Collections                         451.40
                                                    —————————  $4,621.06
                                                               —————————
                                                               $1,398.59
      Cost of Lot                                  $10,332.50
      Cost of Houses                                53,217.50
                                                   ——————————
                         Total                     $63,550.00
      Cash Invested by Octavia Hill Association    $20,000.00
 On mortgages at 4.4% per annum                    $43,550.00
 Net Percentage on $20,000 invested by Octavia Hill
   Association                                                   6.6%

  Reports of the Philadelphia Housing Association may be had from the
  Secretary, John Ihlder, at 130 South Fifteenth Street. A list of
  Low-Cost Housing Developments in the United States, carefully
  annotated by Mr. Nolen, is given in the pamphlet entitled “A Good Home
  for Every Wage Earner,” by John Nolen, Sc.D., City Planner; published
  by the American Civic Association, Union Trust Building, Washington,
  D. C.




                                 INDEX


 Agency properties, 71, 74

 Agnes Irwin School, 44

 Alms-giving; deprecated by Miss Hill, 15

 Alpha Pi Fraternity, 44

 Amsterdam, Miss Hill’s influence in, 17

 Animals on premises, 37, 38

 Artisans Dwelling Act, 15

 Ashes, 84

 Association, the Octavia Hill:
   Its function, 8, 9
   Its name, 11
   Its history, 21–75
   Its scope and field of effort, 77–102
   Its financial returns, 103

 Ayres, Alice, 16


 Babies, 33

 Bachelors, 74

 Bath-tubs, 34

 Berlin, Miss Hill’s influence in, 17

 Boy Scouts, 19

 Bricklaying, 8, 32

 Browning Societies, 11

 Building Association, Benevolent, 22

 Building Inspection, Bureau of, 34

 Burial Grounds, 17, 19


 Cadets, 19

 Carpentering, 8, 32, 66

 Casa Ravello, 33

 Catharine Street, 33

 Chaucer, 20

 Chicago, 21

 Civic Club (Philadelphia), 21, 22, 25, 31

 Clark, Mr. and Mrs. E. W., 43, 44

 Collins, Ellen, 17

 Crane, Walter, 16

 Crenshaw, Nathaniel B., 22

 Croats, 21


 Dancing, 34

 Deptford, 16

 Dinwiddie, Emily W., 34–39

 Directors (of the Association), 26

 Dividends, 26, 60, 103–106

 Doctors, 33

 Dundee, Miss Hill’s influence in, 17


 Ecclesiastical Commissioners, 16

 Edinburgh, Miss Hill’s influence in, 17

 Emergency Aid, 66


 Fairhill Street property, 31

 Feld, Frederick C., 27, 65

 Flag-raising, 51

 Flowers, use of, 18, 34, 44

 Fox, Hannah, 22, 34

 “Friendly rent-collector”: her function, 8, 18, 77–93, 104

 Front Street, 43


 Games for children, 14

 Garbage, 38, 84

 Gardens, home and school, 14, 59

 Garrison, Miss, 27

 Germantown, 51, 52

 Gifford, Edith Wright, 22

 Girard Estate, 72

 Glasgow, Miss Hill’s influence in, 17

 Good Neighbors’ Club, 43

 Gould, Dr. E. R. L., 77

 Graveyards, 17, 19


 Hampstead Heath, 16

 Hardware, 101, 102

 Head, Mrs. E. L., 52

 Health, Board of, 34, 40

 Hector Macintosh Playground, 33

 Hill, James, 11

 Hill, Octavia
   Her “legacy,”, 8
   Her life and work, 11–20, 26, 77, 94

 “Homes of London Poor” (Miss Hill’s book), 17, 18

 Houses, various types of, acquired by Association, 28, 31

 Housing Association, 40


 Italians, 33, 38, 59, 92


 Jenks, Mrs. William F., 22

 Jews, 21, 28


 Kingsley, Charles, inspires Miss Hill, 12

 Kirkbride, Mrs. Thomas S., 25

 Kyrle Society, 17


 Laborers, 38

 Landlords, 39, 83

 League Street property, 31, 32, 33

 Legacies, 71

 Legislation, 39, 40

 “Letters to My Fellow-workers” (Miss Hill’s book), 18

 Lombard Street property, 31

 London, Octavia Hill in, 11–20

 Longstreth, Mrs. Edward, 31

 Lowell, Josephine Shaw, 17

 Ludington, Charles H., 74


 MacMillan’s Magazine, 16

 Mahomet’s coffin, 7

 Manning, Caroline, 40

 “Massenhotels,”, 21

 Mifflin family, 43

 Miller, E. Spencer, 37

 Model Homes Company, Philadelphia, 60, 104

 Mothers’ Club, 33

 Multiple dwellings, 7

 Music, 14, 19, 34, 51


 Naudain Street, 66

 Negroes, 33, 66, 93, 95, 104

 New houses, building of, 72

 New Orleans, 21

 Nurses, 33


 Office force (of Association), 27, 102

 Old Swedes’ Church, 32

 Open spaces, 15

 “Our Common Land” (Miss Hill’s book), 8


 Painting, 32, 66, 94

 Parliament, Hill, 16

 Parrish, Helen L., 26, 31, 34

 Pemberton Street, 43

 Pembroke, Lord, 16

 Penn, William, 44

 Personal workers, 39

 Philadelphia:
   City of homes, 7
   “Under the Lid”, 21

 Philadelphia Model Homes Company, 60

 Philanthropy, 25, 26

 Plastering, 8, 32, 66

 Playgrounds, 14, 19, 33, 34, 51, 52, 60

 Plumbing, 8, 25, 32, 37, 85, 94

 Poles, 21, 51, 91

 Poor laws, 17

 Privy-wells, 96, 105

 Properties, classification of agency, 71


 Red Cross cottages, 16

 Rent-collecting: duties of “friendly rent-collector,”, 8, 18, 77–93,104

 Rents, 18, 32, 33, 34, 52, 65, 71, 75, 93, 103

 Richmond (Kensington), 51, 59

 Royal Commission, 17

 Ruskin, John: his assistance in Miss Hill’s plans, 12, 13, 14


 San Francisco, 21

 Serbs, 96

 Seventh Street, 33

 Sewage, 37

 Shaen, Mrs., letter from, 14

 Shakespeare Societies, 11

 Shick, Robert P., 34

 Singing Community, 14

 Slovaks, 21

 Smith, Southwood, 11

 Social Science Association, 15

 Southwark, 16, 33

 Starr, Theodore, 22, 31

 Starr Centre Association, 33

 Stock, issues of, 26

 Summer school, 33

 Superintendent: his work, 8, 9, 94–102

 “Sweating,”, 39

 Sweden, Miss Hill’s influence in, 17


 Taylor, Frank H., 25

 Tenants, 18, 32, 33, 39, 65, 72, 77, 83, 84

 Tenements, 7, 37, 39

 Tibet, 38

 Trust, National, 17

 Tunlin, 101

 Types of houses, 28


 University of Pennsylvania, 44

 University Settlement, Women’s, 17


 Van Gasken, Dr. Frances C., 34

 Veiller, Lawrence, 37

 Vienna, 21

 Volunteer service, 27, 72


 Whittier Centre, 66

 Wilson, Alexander, 32

 Women, Employment of, 11

 Wood, R. Francis, 26

 Woodward, Dr. George, 33, 37

 Workman Place, 43


 Yom Kippur, 38

------------------------------------------------------------------------




                          TRANSCRIBER’S NOTES


 1. P. 78, changed “the signal for a fusillade of questions, petitions,
      complaints” to “the signal for a fusillade of questions,
      petitions, and complaints”.
 2. Silently corrected obvious typographical errors and variations in
      spelling.
 3. Retained archaic, non-standard, and uncertain spellings as printed.
 4. Enclosed italics font in _underscores_.