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choice, with his wife and three children emigrated to Victoria. He arrived in Melbourne with one hundred and fifty pounds in his pocket, and hope unlimited in his heart.

Poor man! He, like many another man, quickly discovered that muscles in Australia are more marketable than brains. His little store of money began to melt under the necessities of his wife and family. To make matters worse he was visited by a severe illness. He was confined to his bed for some weeks, and during his convalescence his wife presented him with another of those "blessings to the poor man," a son.

It was Christmas time, his health was thoroughly restored, he naturally possessed a vigorous constitution; but his heart was begining to fail him, and his funds were sinking lower and lower.

At last one day, returning from a long and solitary walk, he sat down with pen and paper and made a calculation by which he found he had sufficient money left to pay the insurance upon his life for one year, which, in the case of his death occurring within that time, would bring to