The lovely card was sent to Miss Fanny Irene Ely of New Milford, Pennsylvania (current population 868).
The message is very amusing:
How is my little fat girl now days, any way. I am sick I talked to much I guess (?)
Irene was born in New Milford in 1899 to parents Charles and Jessie. Sadly, Irene's father, a laborer at the stone quarry, died only a year after she received this card. Irene's mother remarried almost immediately, probably out of necessity, to a man named Hobert Gunn who was 12 years her junior and also worked at the quarry. Life must have been very tough in New Milford, because he died at the age of 39. Irene's mother outlived the second husband too, but died at the age of 57.
At that point it appears that Irene went to live with her sister's family, the Trowbridges, in the Johnson City/Binghamton, New York area, where she worked as a bookkeeper at the First National Bank. According to city directories, she was still working there in 1953. It doesn't look like Irene ever married though. After she died at the age of 58, she was buried with her parents in the New Milford cemetery.