"You never saw your great-grandparents, but you do remember your grandfather, for he often held you both on his lap. He had to work hard to build up a business, but through the help of his good wife he soon acquired wealth.
"So, my children, you have now seen how from wealth one may be reduced to poverty, and how from nothing one may rise and become something.
"My father showed me that no matter how rich he became, he always laid by some money for the time of need. He employed the best workers and paid the best wages; and was a great benefactor to the poor.
"His example and his teachings I have followed, or to-day we would be very poor indeed, now that I have lost my goods at sea. We must be very economical and, perhaps, in time we may retrieve our loss."
Other tradesmen, too, suffered by this shipwreck. Mr. Vollmar did what he could to help them and, little by little, they were able to go on with their business. But times changed, and there was little demand for Mr. Vollmar's goods. Failure stared him in the face.
"If I must give up my business, it will comfort me to know that when I have paid all my debts I shall still have a few dollars left. My conscience will be clear when I know that no one has lost one cent through me, and that my honor before God and man remains unspotted."
Pressed on all sides, he was almost forced to give up, but as a last resort he made up his mind to seek aid from two friends, both very rich men. But the one said: "I am sorry that I cannot help you, for I need my money myself." The other man said: "I would lend you some money, but I'm afraid I won't get it back."
This treatment at the hands of his best friends, pained him sorely, and he returned in sadness to his home. Before entering, he seated himself in a little bower to review the situation. The sun shone with a friendly light; the birds sang their gladsome songs; and the flowers stood forth in all their gay coloring.
"How hard it will be for me to leave this beautiful garden upon which I have spent so much money, and in which I have enjoyed so many happy hours. Who knows in what corner of the earth I shall be obliged to seek a new home?"
He became sadder each moment, and, sinking upon his knees, he prayed for help. Hearing footsteps, he arose, and, looking down the footpath, he saw an old man with snow-white hair being led by a little boy. Both seemed very poor, but they were neatly clothed.