As soon as it became known that the Kimballs had fallen heir to fifteen thousand dollars, Mr. Kimball was besought on all sides to enter one kind of business or another. One applicant had invented a unique coffee-pot, which would make good coffee out of even a poor berry, and a fortune could certainly be made, if only capital were provided. Another person had a new style of wash-boiler, and experimented with it on Mrs. Kimball’s kitchen stove, breaking every lid in the operation. Fortunes seemed lying about at every corner of the street, and the only wonder was that everybody did not get rich. Mr. Kimball was besought to take out life insurance, to buy acres of land in the far West, unseen by buyer or seller, to give to every charity within the State, where-ever the knowledge of the fifteen-thousand-dollar inheritance had permeated.

Finally the town for a home was decided upon, and the business—that of selling coal.

A pretty house was purchased, his children placed in school, a seat in church rented, and a shop for the sale of hard and soft coal.

Mr. Kimball knew nothing of the coal business; but he formed a partnership with a man who knew everything about it—in fact, too much, for at the end of a year the firm failed, the five thousand dollars that Mrs. Kimball gave to her husband having melted away like snow in spring.

Mrs. Kimball’s patience had not increased with her gift of money. She blamed her husband for losing, blamed herself for giving the money to him, blamed the world in general.

Mr. Kimball tried other matters, and failed. It was difficult to find a situation in which to work for others, as he was of middle age and young men were preferred. He tried life insurance, and either lacked the courage to visit people in season and out of season, or he lacked volume of speech or multiplicity of argument.

It became evident to the neighbors and to the minister of the parish that matters were going wrong in the Kimball home. The husband wished to go into business again; the wife felt sure that he would lose, and nothing would be left for the children. They reasoned, they quarrelled, and Mrs. Kimball became ill from anxiety.

At last it was noised about that a separation might come in the divided family. Friends interposed, but nothing satisfactory was accomplished. The few thousands that remained were safe in the bank; and this amount Mrs. Kimball had decided should not be touched.

One morning the little village was thrown into consternation. The bank had lost all its funds through the speculation of one of its officers. Save for the little home, the Kimballs were penniless.