"Mr. Tompkins, I am out of all patience with you! Its precious little that I ask for, dear knows! But even that little is never granted."
"If you'll get me the money, Ellen, I'll buy the house with pleasure," returned Mr. Tompkins, in a quiet voice.
"Me! I wonder where I'd get the money? It's an insult for you to talk to me in this way, when you keep me as poor as a church mouse all the time. Every dollar I get from you is like pulling a tooth."
"And causes me as much pain, sometimes."
"I won't put up with such treatment from you, Mr. Tompkins," said the good lady, passionately, and walked from the room with a stately step and an effort at dignity. The husband retreated precipitately, and sought his place of business. He sighed as he took his seat upon a counting-house stool at the desk, and commenced turning over the pages of various large account-books. While thus engaged, a person entered his store, and was shown back to that portion of it where he had retired. Mr. Tompkins looked up on hearing his name pronounced, and met the steady eye of one whose presence was not very agreeable to him just at that time.
"Ah, Mr. Wolford! How are you to-day? I am glad to see you," he said, with an effort to seem pleased and indifferent.
"Very well. How are you?" was the blunt response.
"Take a chair, Mr. Wolford."
The visitor sat down, with considerable emphasis in his manner, threw one leg over the other, and leaned back in his chair. Tompkins was nervous. His effort to seem at ease led him into overaction.
He smiled, or rather smirkedfor a smile is always natural, never forcedand introduced various topics of conversation, one after the other, with the manner of a man whose thoughts were far away from his words, and who yet wished to be very agreeable to a personage from whom he wished a favour.
"What do you think of the news from Washington to-day, Mr. Wolford? Strange doings there!"
"Rather."
"Our party were completely outgeneralled in that measure."
"Yes."
"Bad news from London."
"Yes, bad enough."
"It has played the mischief with stocks."
"Thank fortune, I don't deal in stocks."
And thus Tompkins run on, and Wolford replied cold and sententiously for some ten minutes. Then there came a pause, and the two men looked into each other's faces for a short time, without either of them speaking.
"The year for which I loaned you ten thousand dollars expires next week," said Wolford, in a quiet tone, breaking the silence.
"Does it?" returned Tompkins, affecting surprise. "I had no idea the time was so near being up. Are you sure?"
"I never make mistakes in such matters, Mr. Tompkins, and can't understand how other people can."
"Creditors are said to have better memories than debtors," replied Tompkins, attempting something like pleasantry.
"YesI know. You will, of course, be prepared to take up the mortgage upon your property?"
"I am afraid not, Mr. Wolford. Money is exceedingly tight. But as your security is perfectly good, and you do not want the money, you will let the matter remain as it is for a little while longer?"
"I loaned you the money for a year, did I not?"
"Yes."
"Very well. The year will be up in a week."
"I would like to borrow the same amount for another year."
"I have no objection to your doing so, if you can find any one who will lend it."
"Will you not do so?"
"No. I have other use for my money."
"I will increase the interest, if that will be any inducement. Money in a good business like mine can bear a heavy interest."
"I am not satisfied with the security. Property is falling in value."
"Not satisfied!'" exclaimed Tompkins, in unfeigned surprise. "The property is worth double the sum you have advanced for my use."
"I differ with youand I am not alone in differing."
"Very well, Mr. Wolford," said Tompkins, in a changed tone, that evinced roused and half-indignant feeling, "you shall be paid. I can easily transfer the security to some other person, if I find it necessary to do so, and raise the amount due you."
Wolford, phlegmatic as he was, seemed slightly moved by this unexpected change in the manner and position of Tompkins. He narrowly observed the expression of his face, but did not reply. He was afraid to trust himself to speak, lest he should betray his real thoughts.
"You will be prepared to pay me next week, then," he at length said, rising.
"Yes, sir. You shall have the money," replied Tompkins.
"Good day." And Wolford retired; not altogether satisfied that he had gained all he had hoped to gain by the visit.
"Ah me!" sighed Tompkins, turning to his desk as soon as this man had departed. "Here comes more trouble. That miserly wretch has no more use for his money than the man in the moon. It seems to give him delight to make every one feel his power. It is for no other reason than this, that I am now to be harassed half out of my life in order to raise ten thousand dollars in a week, besides meeting my other payments. I must try and get some one to take the mortgage he is about releasing."
While thus musing, the individual who had just left him was walking slowly down Market Street, with his eyes upon the pavement, in deep thought. He was a short, stoutly built old man, dressed in a well-worn suit of brown broadcloth. His hat was white, large in the brim, low in the crown, and pulled down so heavily on the high collar of his coat, that it turned up behind in a very decided way, indicating the save-all propensities of its owner. His face was as hard as iron: it was deeply seamed by years or the indulgence of the baser cupidities of a perverted nature. His lower lip projected slightly beyond the upper that was pressed closely upon it. His small gray eyes were deeply sunk beneath a wrinkled forehead, and twinkled like stars when any thing excited him; usually they were as calm and passionless as any part of his face.
This man had never engaged, during his whole life, in any useful branch of business. Money was the god he worshipped, and to gain this, he was ready to make almost any sacrifice. He started in life with five thousand dollarsa legacy from a distant relative. To risk this sum, or any portion of it, in trade, would have been, in his view, the most egregious folly. His first investment was in six per cent. ground-rents, from which he received three hundred dollars per annum. It cost him two hundred to live; he had, therefore, at the end of the year, a surplus of one hundred dollars. He was casting about in his mind what he should do with this in, order to make it profitable, when a hard-pressed tradesman asked him for the loan of a hundred dollars for a short time. The idea of loaning his money, when first presented, almost made his hair stand on end. He shook his head, and uttered a decided "No." It so happened that the man was so much in need of money, that he became importunate.
"I know you have it, if you would only lend it, Wolford," said he. "Let me have a hundred dollars for a month, and I will give you a good interest for it, and security besides."
"What kind of security?" eagerly asked the miser, his face brightening. The idea had struck him, as being a good one. The man was a tailor.
"I will let you hold Mr. S P's note, at six months, for one hundred and fifty dollars, as security."
Wolford shook his head.
"He might die or break, and then where would be my hundred dollars?"
"I would pay it to you."
Wolford continued to shake his head.
"How would a piece of broadcloth answer your purpose?"
"What is it worth?"
"I have a piece of twenty yards, worth eight dollars a yard. It would bring six and a half under the hammer. You can hold that, if you please."
"How much interest will you pay?"
"I will give you two dollars for the use of one hundred for thirty days."
"If you will say three, you may have it."
"Three per cent. a month!thirty-six per cent. a year! Oh no! That would ruin any man."
"I don't think the operation worth making for less than three dollars."
"It is too much, Wolford. But I'll tell you what I'll do. Let it be for sixty days, and make the interest five dollars."
"I to hold the cloth as security until it is paid?"
"Certainly."
"Very well. You shall have the money."