One reason of this beauty of the speech of Englishwomen is doubtless in the voice itself. An Englishwoman's voice is soft, but it is not weak. It is notably firm, clear, and vibrating. It is neither guttural nor nasal. While it soothes the ear, it compels attention. Like the tone of a fine old Cremona violin, its softest vibrations make themselves heard and understood when mere noise makes only confusion. Such voices are not entirely lacking among women in "America"; but, alas! how few of the fortunate possessors of such voices here use them worthily! For the other element of the beauty of the Englishwoman's speech is in her utterance. "Her voice is ever soft, gentle, and low, an excellent thing in woman." Shakespeare knew the truth in this, as in so many other things. One of the very few points on which we may be sure of his personal preferences is that he disliked high voices and sharp speech in women. Singular man! I fear that his ears would suffer here. The Englishwoman's voice is strong as well as sweet, but her speech is low. She rarely raises her voice. I do not remember having ever heard an Englishwoman try to compel attention in that way; but I have heard French and Spanish and Italian women, ladies of unquestionable position and breeding, almost scream, and that, too, in society. Nor does the Englishwoman use much emphasis. Her manner of speech is calm, although without any suggestion of dignity, and her inflections, which rise often, although they are full of meaning, are gentle. I remarked this difference in her speech of itself, but much more when I heard again the speech of my own countrywomen. I had not been in their company five minutes--not one--when I was pierced through from ear to ear. They seemed to me to be talking in italics, to be emphasizing every word, as if they would thrust it into my ears, whether I would or not. They seemed to scream at me. They did scream. I am sure that to their emphatic and almost fierce utterance is due, in a very great measure, the inferior charm of their speech, when compared with that of their sisters who have remained in the "old home." If they would be a little more gentle, a little less self-asserting, a little less determined, and a little more persuasive in their utterance as well as in their manner, I am sure that, with all their other advantages, they need fear no rivalry in womanly charm, even with the truly feminine, sensible, soft-mannered, sweet-voiced women of England. RICHARD GRANT WHITE. LIFE INSURANCE.