Beatrice Mills was an American heiress who married Bernard Forbes, 8th Earl of Granard. Beatrice's sister Gladys married an American, Henry Carnegie Phipps. They founded a horse breeding and horse racing dynasty known to this day. Beatrice's Wikipedia article, with link to her sister's, is here.
Lady Forbes is dressed for the cold with fur hat and throat-covering fur boa in this photo. Conservation was scarcely a consideration in 1909.
Keywords: 1909, Beatrice Mills, Beatrice Forbes, Countess of Granard, Countess, British, bouffant coiffure, feathered hat, fur, boa, coat, lapels