LAND AND WATER 
January 23, 19 15 
LONDON & 
LANCASHIRE 
FIRE 
INSURANCE COMPANY 
LIP - ^ 
/ 
SECURITY - £5,927,293. 
FIRE. 
CONSEQUENTIAL LOSS. 
ACCIDENT. 
BURGLARY. 
MOTOR CARS. 
DOMESTIC SERVANTS. 
MARINE. 
Head Offices : 
45, DALE STREET, LIVERPGOL. 
155, LEADENHALL STREET, E.C. 
NEW STOVES for OLD 
This i* no mere figure of speech. The adaptability of 
ti.e HUE makes it possible for you to convert your 
old-style grate into a modem Barless, coal-saving fire. 
This old-fashioned stove was the subject of a recent 
careful test. In 13J hours it consumed 74 lbs. 
Household coal, and required considerable 
attention. It was converted into a HUE 
Barless Fire (as shown below), consumed only 
32 lbs. coal to produce equal heat, warmed the room 
instead of the chimney, and required little attention. 
This is the HUE Fire which you should have installed 
in your house. Simple in construction, satis- 
factory in use, fitted in a very short time. No 
need to pull down mantelpieces or remove the 
present stove. Price from 15s., which is 
quickly saved by the reduced coal bill. 
How different this Fire is from the one shown at top, 
and yet it is the same stove, but with the HUE adapted. 
This Fire warms the room instead of the chimney, is 
more cheerful, and bums for hours without 
attention. The HUE is clean, hygienic, and 
absolutely safe. It has been installed in thousands 
of private houses and adopted by the principal 
REiilways, Hotels, and Institutions. Without question 
the most efficient Barless Fire on the market. 
nAftrwi 17n|7|7 A beautifully illustrated booklet, giving full particulars of the 
r Vl9 M. Il HEiI!i hue fire, showing how it is fixed, cost, and many other 
— i^^^^^^^^^^-^-^ important points. Send a post card now to 
YOUNG & MARTEN, L^" 
(Dept. L.W.), Stratford, London, E. 
Do not be mlsl«d by so^alled adaptable Barless Fires, which by their very construction can never be 
satisfactory. Word "HUE" is cast on every genuine stove. 
BARRS 
Cash Clearance 
SALE 
Of fine Spring-flowering BULBS. HVHCINTHS, OaFFODILS, TULIPS, 
CROCUSES, SniOWDROPS, IRISES, Ac. All in Best 
Quality and at Greatly Reduced Prices. ClearUnce Lists on Application. 
BABK & SONS, 11, 12 & 13 HJnK Street, Covent Garden, LONDON. 
Through the Eyes 
OF A Woman 
How to Live 
THE lot of the housekeeper does not seem likeh' to 
become any easier as time goes on. Considering 
the present state of affairs during the past five 
months prices have not mounted as rapidly as 
they might have, but of late they have shown a 
distinctly upward tendency. And it is unlikely that these 
will decrease in the near future ; instead, we must make up 
our minds to e.xpect the reverse. Bread has gone up in price, 
eggs are dearer, butter shows at least an additional penny on 
the pound, and even such a modest commodity as kindling 
for the domestic hearth shows a shrinkage of quantity, the 
bundles of firewood being palpably smaller. 
As a matter of solid fact, we should consider ourselves 
fortunate that things are not worse than they are, and nobody 
at present has much to grumble at so far as the supply of 
their creature comforts is concerned. Many of those creature 
comforts, however, are going to cost them more, and those 
who, like Mrs. Gilpin, are of a frugal mind are wondering 
where and whence they can economise. And this is a point 
which can very fairly puzzle the brains of the cleverest of 
women. The really clever housekeeper knows that economy, 
like cleverness itself, must be disguised if it would achieve 
success. There is nothing more damping to the spirits than 
the clever person who is yet stupid enough to brazen his 
cleverness. There is nothing more chilling in the home than 
a " drawing in " atmosphere. How to avoid this impression, 
and yet effect all necessary economy, is the problem of the 
day to all housekeepers. 
The Means to the End 
Those who really wish to solve the problem in the most 
practical fashion can best do so by drawing up a summary of 
their daily routine and studying it. Few things are more 
illuminating than a list of this sort. We see our mode of 
Uving down in black and white, and can gather at a glance in 
what direction money can be saved. This needs some very 
clear thinking, because there are certain ways in which money 
must not be saved, however harsh may be the demands upon 
our purse. As good patriots it is incumbent upon us to 
support the organisations working for the good of our soldiers 
and sailors. Looking farther afield, we should stretch forth 
a hand of comradeship to our Allies, giving help wherever we 
can, and thus promoting that feeling of oneness which is 
amongst the foremost assets of the Allied cause. Then there 
may be cases of want, only indirectly caused by the war, but 
demanding our aid more forcibly now than at any other time. 
For, strange though it may seem in these days of terrible 
strife, there has yet never been a time when the brotherhood 
of mai* should be more apparent. We are all members of 
one large family fighting in a common cause, and the strongest 
must help the weakest or else both family and cause will 
perish in the ordinary course of events. All these claims 
upon us, then, must be generously accepted if we would do 
our share of the work. 
No better term has ever been coined than that of 
" personal expenditure." Expenditure is personal : so 
personal, indeed, that nobody can regulate it but ourselves. 
For this reason it is well nigh impossible to lay down any 
hard and fast rules about the spending of money. People 
must cut their coat according to their cloth, and it is only 
the owner of the coat who can judge the true value of its 
material and the particular way in which it should be cut to 
suit him. Once this is acknowledged, however, there stOl 
remains something that all can banish from their 
daily life with the best economical results. If we made up 
our minds to rigorously bar all superfluities and diligently 
examined ourselves as to the exact meaning of the word, 
how much more simple would our lives become. It is the 
easiest thing in the world to waste time, money, and energy 
on the superfluous ; but we have reached a point when 
mistakes of this sort will be swiftly punished, and it behoves 
us all to beware. 
A Foe to Fight 
There is an enemy to be fought in the home as well as 
abroad, and it is quite as insidious a foe. Its name is Waste. 
Napoleon once said that stupidity was worse than a crime, 
but in this case we must quote the reverse. Waste has 
always been stupid, but at this present time it is criminal. 
There is a legitimate output for every penny of our incomes. 
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