"Why, Bill Jenkins told me I'd ought to have ten per cent at least," said father. "And that 'ud be an income of five hundred a year. I was counting on five hundred, so as we could live easy."

Mr. Scott shook his head. "Too much," he said. "Ten per cent is far too high for safety, Murdock. Take my advice, and don't risk your capital where such high interest is given. Four per cent, is likely to be safe. You might even go safely as high as five per cent perhaps, but that is doubtful."

Father did not much take to the notion. He had been talking so big, and making so much of the thought of five hundred pounds a year, that two hundred a year seemed small in comparison.

[CHAPTER V.]

FIRST PURCHASES.

DAYS went by, and still the money did not come. Father grew chafed and restless waiting for it, and mother was in a state of constant ups and downs. Every morning we were keeping watch on the post, and every morning we were disappointed afresh.

"It's no manner of use to be so impatient," grannie said sometimes. "You know right well, Miles, that the lawyers are not bound to pay you short of a twelvemonth, and nobody thinks they'll do it yet awhile."

"Then they ought," father made answer very hotly: for he was getting hasty and not near so pleasant in his ways as he used to be. "We ought to have the money now directly. Not pay for a twelvemonth, indeed! It's my money, not theirs. What right have they to keep us waiting?"

But of course we had to wait all the same, whether he was vexed or no.

It was wonderful how folks ran after us in those days. I had not known before that we had one quarter so many friends. The neighbours were for ever dropping in to talk of our good fortune, and mother seemed such a favourite with them all. I could not help thinking that the money had a good deal to do with her being so, else why should they have cared so little about her before we heard of the five thousand pounds? Grannie felt the same about it that I did, I could see plainly enough, but mother did not. She took it all for real, and was delighted.