Vermont watchman and State journal. [volume] (Montpelier, Vt.) 1836-1883, 1846-01-01

| still you must depend upon somebody YOU have
confidence Unjust as we do upon doctor. You
take his drugs, every day, without understanding
why or wherefore. Now--in one world tell YOU
to insure. | say it is your Duty"
but how am to pay the Premium"
Fudge! You are young and in good health
! Let me see--twenty-Gve last October For one
hundred dollars year. you can be certain of leav.
ing behind you, to your wife and children, Charles
--think Of that, my boy--to your wife and children
! fire thousand dollars, cash, die when you will
tomorrow ifyou like: and the longer you live, the
larger the sum will be, unless you withdraw the
profits; so that if you live to the average length Of
lieat your age, and allow these profits to accumu.
late, you will leave not five thousand but fifteen OF
sixteenthousand dollars to your familyp
"'3ravo but how am to pay the hundred dol
lars a year?'
| ,"Nothing easier. Pay one quarter cash. and the
Other three quarters at the end of the year giving
good note on interest"
But If should no: be able to pay the note at
the end of the year"
'"Then pay what you can-the interest if nothing
nIorei and renew for the balance"
."And if de-what becomes of the note ?,
at is deducted from the sum total due you on
tle books made up Of premiums earnings and
profits divided yearly, and averaging about ten per
cent year"
"And if pay up every year?'
Then you receive certificates of stock bearing
six per cent interests upon which certificates the
company, are bound to loan YOU 66 % per cent in
cash, whenever you need it, whether to paw YOUR
premiums if a change Of circumstances should oc-
cur, to educate your children, to provide for your
family, or for yourSeE'
"Ill do it, uncle!"
Don't, Charles, don'tm whispered his young
wife
"And why not pray. If Charles will take my
advice, he would never consult you-what do Won
women know about such thinrs ~
"Much, dear uncle--much more than you, old
bachelors, ever give them credit for"
Hold your tongue Jenny. Do as | bid YOU.
You must insure his feLand then happen what
may, the money will belong to you, and To vour
children there, there don't make fool of YOUR
self. You must be looking for children-t is your
duty-else what do you marry for? And it is your
duty to provide for them too'
" But ughtfully-" how can this be.
long TO wife and to her children if the husband
and father is in debit"
swell done, my girl! Now I've some hope of
you. You are not the smpleton took YOU for
not by any means, and therefore must answer YOU
The law is beginning to look upon the wife as a
partner in business with her husband She STAYS
at home and takes care of the household the chill
dr1n-the servants and saves all she can. She has
her little earnings and savings, and the law allows
her to put them by IN this cray, and in no other, to
the amount of three hundred dollars year,
"Ah, | see-but'--
"But what? ~
But wife may have so much to gain by the
death of her misunderstanding family but with
tears in her beautiful eyes" that. Derhaps-,n
some cases-she might not watch over him so faith
fully, as she ought"
"Poh'
"And if she did, continued the niece" and if
she dld, how many there are who might charge her
with neglecting her husband upon a sick-bed-per-
haps upon death bed"--and here she began to
sob, as if her very heart would break
Really, you have done it, now! Why not be
aE G 5aaR96 &%Gh TiG l4Gh ahnd? No, no. jen.
ny. woman has always more to lose than TO
gain by the death Of husband, however wealthy
he may leave her. But-pshato!-I have wasted
time enough with You on ibis subject; and [ saw
that you have no more right to risk your life sin
gle DAY without insurance, my boy, than you would
have to risk your houses and ships or other prop
erty without insurance, if you were over head and
ears in debt Good night-God bless you!-Good
bye"
AndTthe next moment uncle Joe had vanished
For full half hour not loud word was spoken.
The young wife and young husband sat holding
each other by the hands-thnkinp what MIGHT be
hereaiter-and breathing low and trembling with
every change of color and every change of thought.
At last the husband spoke. "Wel Jenny" said
he, I" what do you say now"
Just what said before, Charles I am not con-
vinced. We cannot well spare the money now---
we have hardly enough to get along with decently.
A part Of our house, You know, is unfinished ; and
ought to have something put by---ttear Charles,
don't you think so p and large tear fell upon the
hand she was holding to her lips--and her husband
drew her up to his heart and kissed her with more
than the warmth of bridegroom.
"True, dearest--very true. For whatever hap.
pens we must be prepared and provided"
And then, too, dear Charles" continued the
NUifa sch H,.bot e, IL, =
ring with your eXpectatons?'
we cannot hope to die together my love-"
mo, Charles---but happen what may, we shall
be provided TO-, and soand So" taltering and hi
ding her face in her husbands bosom, and whis-
perng just above her BREATH sand so will our dear
children, If it should please our Heavenly Father
to grant US children"
"Perhaps."
"PerhapS, Charles Your uncle is rich and so
is my father"
"True But both are in business, and business
men, you know, are always in the way of terrible
vcissitudes."
But you are young and heathy---and oh, | can
not but believe, with long life before you"
"Tears! Nay, my dear grl---think no more of
this matter. Let us talk no more of t---be cheer.
tul and trusting and, whether live or die it shall
not be my fault II to the bitterness of death and
the bereavements of wdowhood there should be
added the trials and temptations, the sorrow and
abasement of poverty"
"Wbat do you mean, Charles ?---you'll break my
heart if you keep talking So A plague on this
life insurance, sayl shall never hear the last of
1t, am sure, now that uncle Joe has taken it up"
assurance, my love---not Insurance."
Assurance Well--it never entered my head
before, that you wanted assurance"
"Not so bad! Kiss me---and then, if you have
no other engagement and nothing better to do
and will promise to behave well, you may go to bed
with me-"
"lmpertinence
business with his father in. law, and within eight
years both failed. Uncle Joe married the mistress
of boarding house, with large family, and died,
leaving his whole property to her; and not enough
to his nephew to pay for the china he broke on the
evening he spent there, laborng with him to get
his life insured.
Soon after the failure, and while poor Hardy was