Most interesting among the beggars is the man, the well-dressed and able-bodied individual, who begs on the strength of his affiliations. These are the men who make a specialty of exploiting their membership in fraternal organizations. Labor unions are very much imposed upon by men who carry paid-up cards but who are temporarily “down.” The organizations as such are not appealed to as much as individual members. It is hard for a union man who is working to turn away a brother who shows that he is in good standing with the organization. Of late the “ex-service-man” story has been a good means of getting consideration, and the American Legion buttons have been worked to the limit. Most of the men who wear parts of a uniform or other insignia indicative of military service have really seen service and many have seen action, but a great many of them have heard more than they have seen. There are men who make a specialty of “working” the charity organizations. Some of them are so adept that they know beforehand what they will be asked and have a stereotyped response for every stereotyped question. These men know a surprising amount about the inside workings of the charitable agencies and they generously hand on their information to their successor. They usually know, for example, what material aid may be had from each organization. A typical case is that of Brown. 5. Brown had not been in Chicago an hour until he had located the chief organizations to which he might go for help. He knew that he could check his bag at the Y.M.C.A. He learned where to go for a bath, where to get clean clothes, how to get a shave and haircut and he actually succeeded in getting some money from the United Charities. He was able to “flop” in a bed even though he came to town without money late in the afternoon; whereas many other men in the same position would have been forced to “carry the banner.” He knew about the charity organizations in all the cities he had visited from the Atlantic to the Pacific. After his case was traced it was learned that he told about the same story wherever he went and that he was known in organizations in all the cities to which he referred. He is 27 years old and has been living for the most part in institutions or at the expense of organizations since he was 13.