After the arrival of the Combine at Catskill, we had her well examined by a carpenter, who found her timbers sound. We then agreed to repair her by laying a new deck, putting in new ceiling, and giving her a thorough overhauling, so as to fit her for a sea voyage, which was done at an expense of nine hundred dollars. Large quantities of freight was offered for shipment, which I advised to take some part of, informing my partner in the vessel, Mr. A. Cooke, that I had but little over two thousand dollars, which would fall short of paying for one-half of the vessel and cargo; but he preferred our owning the whole cargo jointly, saying, "I will advance you any money you may want until you make the voyage." We then purchased a suitable cargo and filled up many orders I had brought from Jerimie. After we had gathered all our bills together, I found my money exhausted and myself indebted five hundred and seventy-two dollars to my partner. The vessel being repaired and loaded, we took on board four passengers, bound to Jerimie, and sailed for New-York. On my arrival at New-York I made it my first business to apply to the Marine Insurance Office for insurance, expecting I should have to pay an extra premium, my vessel being seventeen years old. After applying at all the offices in the city, and producing a certificate from old respectable carpenters, and some of our best citizens, that they considered her timbers as good as any North River vessel of two years old, my application was rejected, and I had no alternative but to proceed to sea as my own insurer, having my little all at stake, except a small homestead. I shipped a crew and made the necessary preparation, put to sea about the 10th of August, and shaped my course for Jerimie, where we arrived the sixth of September.