These, with minor details, we have set forth in the following calculations. They embrace the case of the poor man with a small capital and the man with quite a respectable capital, who may wish to put it in a bank that never fails, and in which he will himself be the director and owner.

THESE TABLES CLEARLY SHOW THE LEAST CAPITAL

a man requires to settle in one of our colonies, and also, if he can afford it, how advantageously he can lay out a considerable sum for which he will receive a quick return.

We will take up the poor man's case first, as it is the one we have the most interest in, and we land him on his land

IN THE SPRING.

He puts up a very cheap house; by and by, he will have a better one—but, in the meantime, he can make this one comfortable, warm and clean—much better than a cheap lodging in a city.

We will give the dimensions of the house as 16 × 18 ft., to be built of single boards; these to be sodded on the outside to any depth the owner may wish. In this way, he can have a house far warmer than a poorly put up frame house, at the following cost:

1,600 feet of lumber $25 00
2 windows, 2 doors 6 50
Shingles 7 25
Total$38 75

Now, we must furnish the house: