=Slovenly Husbands.= Don't let your husband become a slob. That is just what I mean. It is no use mincing words. Some husbands have never acquired the habit--or if they have acquired it they quickly lost it--of regarding their wives as ladies. "She is not a lady, she is only my wife," is a well-known joke, but some men take it not as a jest. Some men think that before their wives they can be as slovenly and unclean as they please. Give your husband to understand that cleanliness and freshness is not a "sex-limited" attribute, and just as a husband wants his wife to be clean and dainty and well-groomed, so a wife may enjoy the same qualities in her husband. Some women are very fastidious, and while they may say nothing to their husbands for fear of irritating them, they may think a good deal. =Carrying Life Insurance.= Every husband should carry some life insurance--as much as he conveniently can. This should be the husband's most pleasant duty, particularly so when the wife has no profession of her own and there are small children to bring up. The lack of consideration, the thoughtlessness--I would call it dishonesty--on the part of many husbands who claim to love their wives is simply heart-breaking. Who of us does not know of cases of refined wives with children left absolutely penniless and forced into wage slavery or even into menial service by the negligence of their husbands? Such things happened even to wives whose husbands were making from three to ten thousand a year. Thoughtlessness, carelessness, procrastination--and then it was too late. There is not a man who makes as little as twenty dollars a week who cannot carry some insurance. I was once poor, very poor. And the terrifying thought, What would happen to my wife and two children if I should be taken off suddenly? gave me many a troubled and sleepless night. And when I took out a thousand dollars insurance I felt some relief. But I felt it was inadequate. I therefore made a supreme effort and soon took an additional ten thousand dollars. And I assure you that the annual premium of two hundred and eighty-six dollars was a terrible burden on me. There were times when I felt as if I had to give it up. But I deprived myself of many necessities (there was no question of luxuries) and I paid my premiums regularly. But in compensation I had restful nights. It was soothing to know that if I should be taken away in my earliest youth my equally young wife and two little babies would not be left penniless. I verily believe that an adequate life insurance prolongs a person's life, because it removes the worry about the future of the wife and children. I repeat, every husband should carry some life insurance. And the habit of the bridegroom presenting the bride with a substantial life insurance policy is a very good one. It is not only a financial protection to the wife; it is also more or less a guarantee of the husband's fair health.