Now, Tom, it is no good fobbing me off with 'too much guesswork' - I am very determined

The problem is that on the one hand there are too many Jno Hy REEDs and on the other hand not enough!
The Digger Pioneer index (1836-1888) has no match for a birth for a John Reed until 1862 - another John Henry REED b Sand 1862 with a marriage 1884 and birth of a child to that marriage (also Jno Hy REED) 1885 in Shurst (Sandhurst is an old name for Bendigo) so this is not our J Reed.
The will lists his children as Oswald John, Ennis and Pearl so he is the father, I assume Annie nee WALKER is their mother and Annie Teresa is a later marriage.
There are still a couple of very odd pieces of the puzzle - the will definitely states that Annie Theresa Fabiola (and, of course, the first two of those forenames are those of Annie Teresa STONE who married a Jno Hy REED born Ballarat in 1902) is his widow but the death notice cites Jessie F, and the death notice has no mention of his children. Curiouser and curiouser! I'm pleased he had livestock - fowls worth 1pound!
1903 census has John Henry REED chemist and Annie Teresa REED home duties at Pleasant St Ballarat.
1909 census Annie Teresa Tobolia (!) REED home duties Loch St Camberwell.
Can't see any other electoral roll entries that fit.
On a quick look I couldn't see a remarriage for Annie REED, so the question remains - is she 'Mrs Stuart' daughter of John STONE? This lot seem to have played fast and loose with forenames also!
They look like one of my families who married other family connections, making the search for them quite complicated.
Hmm - and what about Tom Sylvester being seen as a 'Yankee' and trying to get a US passport. This family sure is fascinating!
Cheers, Judith who will be back at ANL on the track of the Stones soon!