=Old-age Home Insurance.=--In this connection a radical suggestion is offered, namely, a scheme for Old-age Home Insurance. It is a well-known fact that the waiting list of most private Homes for the Aged is long, and that men and women wait piteously for the death of an "inmate" to give them entrance to the only place of comfort and security life can offer them. It is also well known that there are more aged persons who need the companionship of those of their own generation, who need quiet and relief from the noise and excitement of young children, than can now secure those requirements in the homes of their daughters or their sons. It is again true, although not so well recognized or understood, that most aged persons unable financially to retain a personal home would prefer a choice between residence in a child's family, however dutiful and generous that child might be, and residence elsewhere. It is also true that the care of aged parents in her own home is often too great a tax upon the time and strength of the housemother when there are many young children. Again, it is true that many aged people prefer a place they can call "home," even if it is only one room, to which they can invite their friends and from which they may pay visits to their relatives, even their nearest and dearest, and return to their own small quarters at will. It is also true that although most elderly persons live for years in quite good health and need little actual nursing, they do profit by occasional attentions which a nurse can give, and few such elderly people can afford or obtain this occasional service in either a home of their own or in one shared with a child. These facts indicate a need for a larger and a more democratic provision of homes for the aged, a provision that can be more easily made by personal effort through the younger years of life, and one that can receive social aid at less cost to personal dignity and with less rigid rules of managing "Boards" than the present prevailing type of Homes for the Aged supply. The boarding house sought by many aged persons who prefer independence of life to living in the family of their children, and sought also by many well-to-do elderly widows and widowers who find that the personal home is too lonely or too expensive to keep up for one alone--the average boarding house is a sorry substitute for a home. For the young, who hope to escape it soon, it is tolerable. For the aged, who need to feel settled, it is often a most unhappy dwelling-place. Beside, any one who tries to find a place for the elderly boarder will find that prices are often prohibitive for all but the rich, and few boarding mistresses want old people.