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satisfied of their respective suitability and
respectability. Each intending emigrant pays,
either in one sum or by weekly instalments,
as much as will amount to half the passage-
money to Australia. The philanthropists of
the society lend the other half to be repaid
by four annual instalments,—each family
becoming jointly bound for the sums lent to
each member of that family, and each group
being publicly pledged to assist in enforcing
punctual repayments.

The details for securing repayment of the
loans have been arranged by Mrs, Chisholm,
and are the result of her large practical
experience. Each emigrant, when he has paid
back his loan, will have the privilege of
nominating a relation or friend to be assisted in
emigrating with the same amount of money.
Thus, the original charitable fund will work
in a circle of colonisation, at the mere sacrifice
of annual interest. That emigrants among
the humble classes are willing to remit for
the purpose of assisting their friends and
relations to follow them, is proved by the
fact that, within the last three years, upwards
of one million sterling has been remitted by
the Irish emigrants from the United States
alone, in small sums, to pay the passage of
parents, brothers, sisters, wives, or sweet-
hearts in Ireland. Australia, in proportion
to its population, affords even greater
opportunities of earning money wages than the
United States.

Mrs. Chisholm's plan offers several advantages
of an important character. It will enable
many to emigrate who, though frugal and
industrious, are not only unable to raise the
whole passage money; but, during temporary
trade-depressions, would be consuming their
savings. It will keep families united, and
cherish an honourable, independent spirit. It
will secure a class of emigrants calculated to
improve the moral tone of the colony; for, as
the character of each emigrant will be
investigated by his fellows, there will be no
room for the deceptions practised on the
wealthy charitable. The certificate of
shopmates with whom a man has worked, is more
to be trusted than that of the clergyman who
has only seen him in his Sunday clothes. It
will afford the best kind of protection for
young girls or single women desirous of joining
friends in Australia, because each ship will be
filled with "groups" previously acquainted
and mutually sifted. Among minor advantages,
the cost of passage and outfit, by the
aid of co-operation and communication, will
be much diminished.

The two following instances will display
the practical working of Mrs. Chisholm's plan.
Among the applicants to join the Society (for
already the working-classes are prepared to
subscribe two thousand pounds) was an
artisan in the North, belonging to a trade
which "strikes" periodically. When
contemplating these "strikes," the leaders of the trade
base their financial arrangements for
supporting the body while out of work, upon the
savings made by the more frugal of their
associates. The artisan in question being a
Teetotaller and skilful, had three times been
able to save from fifteen to twenty pounds,
with the express design of emigrating; but
twice his stock of cash had been melted in the
common treasury during strikes. With the
assistance of a loan from the Society, he will
now be able to emigrate. There can be no
fear of such a man not repaying it honourably.
Had he been able to emigrate a few years
ago, he must have been wealthy by this time,
and in a position to help all his relatives to
join him.

Again, a benevolent Dowager Countess has
subscribed two hundred and twenty-five
pounds to this Society; a sum which has been
appropriated to assisting the following parties
in making up their passage-money to
Australia. Let us see what this money will do:—

    It will send three wives with, nine children, out
to join husbands in Australia.
    Two aged widows who have children there.
    Ditto a man and wife, who have children there.
    M. and wife, with five children.
    H. and wife.
    P. and wife, with three children.
    L. and wife, with seven children. (This man
has received the insufficient sum of fifty pounds
to pay his passage from a brother in Australia.)
    W. and wife, with four children (have received
twenty-five pounds from Australia for same
    Five young men, of whom three have relations
in the Colony.
    Nine friendless young women, of whom four
have relations there.

Thus it will be seen this two hundred and
twenty-five pound loan affords
      A passage, to Adults        31
                              Children    28
                               Total         59

At the end of the first year after the
arrival of these persons, there will be available
for assisting other friends and relatives of
this batch of fifty-nine to join them, about
forty pounds; at the end of the second year,
about sixty pounds; third year, about eighty
pounds; fourth year, about one hundred and
twenty pounds.

This system sacrifices no independence;
incurs scarcely any weight of obligation. It
affords the best possible kind of assistance;
for it helps those who help themselves, and
puts it in their power to help their fellows.


AMONG the myriads of products of art,
science, and manufactures, to be congregated
under Mr. Paxton's great glass house in Hyde
Park next year, it is to be hoped that the
newspaper press will not be unrepresented.
We do not mean model morning papers,
displaying several square acres of advertisements,
or news conveyed from the other hemisphere,

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