safely invested at
interest, you have the interest every year, and at the end of the term
you have your capital restored to you entire. But in such a purchase as
this, you are sure, in the end, to sink a portion of it by wear, and
tear, and depreciation; and this circumstance ought always to be taken
into account."

"Yes," said Rollo; "that is very true."

"Making such a calculation as this," continued Mr. George, "will often
help us determine whether it is wise or not to make a purchase. The
question is, whether you would get as much pleasure from the possession
and use of this chain as sixty cents a year would come to."

"Yes," said Rollo; "I think I should."

"That would be five cents a month," said Mr. George.

"Yes," repeated Rollo; "I think I should."

"And one cent and a quarter a week," added Mr. George. "Do you think you
would get pleasure enough out of your chain to come to a cent and a
quarter a week?"

"Yes," said Rollo, confidently; "I am _sure_ I should."

"I think it very likely you would," said Mr. George; "and if so, it
would be a wise purchase."

It was not necessary absolutely that Rollo should obtain his uncle
George's approval of any plan which he might form for the expenditure of
his surplus funds, since it was Mr. Holiday's plan that Rollo should
spend his money as he chose, provided only that he did not buy any thing
that would either be injurious or dangerous to himself, or a source of
annoyance to others. Now, in respect to the chain, Rollo knew very well
himself that it was not liable to either of these objections, and that
he was consequently at liberty to purchase it if he thought best. In the
conversation, therefore, described above, his object was not so much to
obtain his uncle's consent that he should make the purchase as to avail
himself of his uncle's opinion and judgment in the case, in order to
enable him to judge wisely himself.

"I _think_," said he, at length, in announcing to his uncle his
decision, "that it will be a good plan for me to buy the chain; but I
will not be in haste about it. I will wait a day or two. I may possibly
see something else that I shall like better."

CHAPTER IX.

ST. PAUL'S.

Mr. George and Rollo, just before they reached St. Paul's, had a very
unexpected addition made to their party. The person was no other than
Rollo's mother.

Rollo's father and mother had come from Paris to London the day before,
though Rollo had not expect