Undertakers and industrial insurance, 121. Unemployed, in place of strikers, 31-32; number of, 33; treatment of, 34. Unemployment, causes of, 33-40. University extension, 137. Unsanitary surroundings, 96-97; tenements, 96. Unthrifty forms of saving, 110-111. Unworthy not a descriptive term as applied to the poor, 154. Usury, 115-118. Vagabonds, married, 47-57, 93, 146, 158, 164, 202-215. Ventilation, 97-98. Visiting, continuous, 182-185; illustrations of continuous, 197-215; patience in, 182-183, 200; illustrations of successful, 197-202, 207-215; in summer, 185. See also _Friendly visiting_. Wants, social value of varied, 127. Warner, A. G., 33, 95. Wayward children, 83-86; girls, 216-218. Widows with children, 73-74, 158-159, 201-202. Window-gardening, 131-132. Winter not the only season for charitable work, 184. Wolcott, Mrs. Roger, 70. Women as homemakers, 64-75; as breadwinners, 72-74. Work history of family, facts needed in, 187-188. Worthy and unworthy, 154.