The call is almost universal to provide more adequately for grandparents.

How can we meet this call?
=The Financial Provision for Old Age.=--In the case of those whose earning capacity is not equal to saving a sufficient old-age provision while at work the claim for an Old-age Pension is growing.

This may be either a subsidy from the state, a joint pension from the state and the employing business in which the man or woman has worked, or it may be a threefold provision contributed to from the savings of the laborer, the quota from the employer, and the state subsidy.

Since no insurance system that discourages thrift, or fails to encourage it, is socially sound, the latter seems the best ideal.

There may be, in addition, or as a substitute, a family provision on the plan so well suggested by Mr.Taber in his book, _The Business of the Household_, a plan that calls for the definite setting apart of an "Old-age Fund," to which each child shall contribute in the years when he is earning most, not as a gift but as a "deferred payment," as it were, for all that the parents give in childhood.