Lessons in Life, for All Who Will Read Them Part 4

"Oh, yes. An honest man always has friends. Layton is an honest man, and I would trust him now as freely as before. He has learned wisdom by experience, and, if ever he gets into difficulties again, will take good care that no one man gets an undue preference over another. His recent failure, I am told, was caused by one of his creditors, who, in the eager desire to get his own, sacrificed a large amount of property, to the injury of the other creditors."

Grasper did not venture to make any reply to this, lest he should betray, by his manner, the fact that he was the individual to whom allusion was made. He need not have been careful on this point, as the person with whom he was conversing knew very well who was the grasping creditor.

A day or two afterwards, Layton took possession of his new store, and commenced arranging his goods. Grasper felt uneasy when he saw the doors and windows open, and the goods arriving. He did not wish to meet Layton. But this could not now be avoided. Much as he loved money, and much as he had congratulated himself for the promptness by which he had secured his debt, he now more than half wished that he had been less stringent in his proceedings.

It was the custom of Grasper to come frequently to his door, and stand with his thumbs in the arm-holes of his waistcoat, and look forth with a self-satisfied air. But not once did he venture thus to stand upon his own threshold on the day Layton commenced receiving his goods. When business called him out, he was careful to step into the street, so much turned away from the adjoining store, that he could not see the face of any one who might be standing in the entrance. On returning, he would glide along close to the houses, and enter quickly his own door.

By this carefulness to avoid meeting his old debtor, Grasper managed not to come into direct contact with him for some time. But this was not always to be the case. One day, just as he was about entering his store, Layton came out of his own door, and they met face to face.

"Ah! How are you, friend Layton?" he said, with an air of forced cordiality, extending his hand as he spoke. "So you have become my next-door neighbour?"

"Yes," was the quiet reply, made in a pleasant manner, and without the least appearance of resentment for the past.

"I am really glad to find you are on your feet again," said Grasper, affecting an interest which he did not feel. "For the misfortunes you have suffered, I always felt grieved, although, perhaps, I was a little to blame for hastening the crisis in your affairs. But I had waited a long time for my money, you know."

"Yes, and others will now have to wait a great deal longer, in consequence of your hasty action," replied Layton, speaking seriously, but not in a way to offend.

"I am very sorry, but it can't be helped now," said Grasper, looking a little confused. "I only took the ordinary method of securing my own.

If I had not taken care of myself, somebody would have come in and swept the whole. You know you couldn't possibly have stood it much longer."

"If you think it right, Mr. Grasper, I have nothing now to say,"

returned Layton.

"You certainly could not call it wrong for a man to sue another who has the means, and yet refuses to pay what he owes him?"

"I think it wrong, Mr. Grasper," replied Layton, "for any man to injure others in his over-eagerness to get his own, and this you did. You seized four, times as many goods as would have paid your claim if they had been fairly sold, and had them sacrificed for one-fourth of their value, thus wronging my other creditors out of some three thousand dollars in the present, and taxing my future efforts to make good what was no better than thrown into the sea. You had no moral right to do this, although you had the power. This is my opinion of the matter, Mr.

Grasper; and I freely express it, in the hope that, if ever another man is so unfortunate as to get in your debt without the means of present payment, that you will be less exacting with him than you were with me."

Grasper writhed in spirit under this cutting rebuke of Layton, which was given seriously, but not in anger. He tried to make a great many excuses, to none of which Layton made any reply. He had said all he wished to say on the subject. After this, the two met frequently--more frequently than Grasper cared about meeting the man he had injured.

Several times he alluded, indirectly, to the past, in an apologetic way, but Layton never appeared to understand the allusion. This was worse to Grasper than if he had come out and said over and over again just what he thought of the other's conduct.

Five years from the day Layton commenced business anew, he made his last dividend upon the deficit that stood against him at the time his creditors generously released him and set him once more upon his feet.

He was doing a very good business, and had a credit much more extensive than he cared about using. No one was more ready to sell him than Grasper, who frequently importuned him to make bills at his store. This he sometimes did, but made it a point never to give his note for the purchase, always paying the cash and receiving a discount.

"I'd as lief have your note as your money," Grasper would sometimes say.

"I always prefer paying the cash while I have it," was generally the answer. "In this way, I make a double profit on my sales."

The true reason why he would not give his note to Grasper, was his determination never to be in debt to any man who, in an extremity, would oppress him. This reason was more than suspected by Grasper and it worried him exceedingly. If Layton had refused to buy from him at all, he would have felt less annoyance.

Year after year pa.s.sed on, and Layton's business gradually enlarged, until he was doing at least four times as much as Grasper, who now found himself much oftener the buyer from, than the seller to, Layton.

At first, in making bills with Layton, he always made it a point to cash them. But this soon became inconvenient, and he was forced to say, in making a pretty heavy purchase--

"I shall have to give my note for this."

"Just as you please, Mr. Grasper, it is all the same to me," replied Layton, indifferently. "I had as lief have your note as your money."

Grasper felt his cheek burn. For the hundredth time, he repented of one act in his life.

A few months after this, Grasper found himself very hard pressed to meet his payments. He had been on the borrowing list for a good while, and had drawn so often and so largely upon business friends, that he had almost worn out his welcome. For one of his heavy days he had been endeavouring to make provision in advance, but had not succeeded in obtaining all the money needed, when the day arrived. In his extremity, and as a last resort, yet with a most heart-sinking reluctance, he called in to see Layton.

"Have you seven hundred dollars more than you want to-day?" he asked, in a tone that betrayed his unwillingness to ask the favour, although he strove to appear indifferent.

"I have, and it's at your service," was promptly and cheerfully replied. "Shall I fill you a check?"

"If you please," said Grasper; "I have a very heavy payment to make to-day, and find money tighter than usual. When do you with me to return it to you?" he asked, as he took the check.

"Oh! in three or four days. Will that do?"

"It will suit me exactly. I am very much obliged to you, indeed."

"You are very welcome. I shall always be happy to accommodate you in a similar way. I generally have something over."

When Grasper returned to his own store, his cheek burned, his heart beat quicker, and his breathing was oppressed. He felt humbled in his own eyes. To the man whom he once so cruelly wronged he had been compelled to go for a favour, and that man had generously returned him good for evil. He was unhappy until he could replace the money he had borrowed, which was in a day or two, and even then he still felt very uncomfortable.

After this, Grasper of course was frequently driven to the necessity of getting temporary loans from Layton, which were always made in a way which showed that it gave his neighbour real pleasure to accommodate him.

Gradually, difficulties gathered around Grasper so thickly, that he found it almost impossible to keep his head above water. Two thirds of his time were spent in efforts to raise money to meet his payments, and the other third in brooding sadly and inactively over the embarra.s.sed condition of his affairs. This being the case, his business suffered inevitably. Instead of going on and making handsome profits, as he had once done, he was actually losing money, and that, too, rapidly; for, when he bought, he often made imprudent purchases, and when he sold, he made three bad debts where he formerly made one.

At last, a crisis came in his affairs, as come it must, sooner or later, under such a system. A stoppage and ruin he saw to be inevitable. He owed more borrowed money than he could possibly return within the time for which he had obtained it, and had, besides, large payments to make in bank within the period. Any effort to get through, he saw would be hopeless, and he determined to give up; not, however, without securing something for himself.

"Twenty cents less in the dollar for my creditors," he argued, "will not kill them, and that difference will be quite important to me. When the storm blows over, it will give me the means of hoisting sail again."

At this time, Grasper owed Layton two thousand dollars borrowed money, and two thousand dollars in notes of hand, given for goods purchased of him.

"It won't do," he said to himself, "to let _him_ lose any thing. I should never be able to look him in the face again, after what has happened between us. No--no--I must see _him_ safe."

On the next day, Grasper called in to see Layton. His face was serious.

"Can I say a word to you alone?" he asked.

"Certainly," and the two men retired to a private part of the store.

Grasper had never felt so wretched in all his life. After two or three efforts to speak, he at last found voice enough to say--

"Mr. Layton, I have very bad news to tell you. It is impossible for me to go on any longer. I shall stop to-morrow, inevitably. I owe you two thousand dollars in borrowed money and two thousand in notes, making, in all, four thousand dollars. I don't wish _you_ to lose any thing by me, and, to secure your borrowed money, I have brought you good notes for two thousand dollars, which is the best I can possibly do. For the other two thousand dollars, I want you to come into my store, and take your choice of any thing there, which I will sell you, and take my own notes back in payment. That is the best I can possibly do for you, Mr.

Layton, and it will be far better, I fear, than I shall be able to do for any one else."

Layton was taken entirely by surprise.

"What you say astonishes me, Mr. Grasper; I thought you were doing a very flourishing business?"

"And so I would have been, had I not ventured a little beyond my depth, and got cramped for money to meet my payments. A neglect of my business was the inevitable consequence; for, when all my time was taken up in raising money, I had none left to see after my business in a proper manner. Bad debts have been one of the consequences, and profitless operations another, until I am involved beyond the power of extrication, and must see every thing fall in ruins about my head."

"It really grieves me to hear you say this," replied Layton, not offering to take the notes which Grasper was still holding out for his acceptance. "But, perhaps, you magnify your difficulties. Don't you think some temporary relief would help you over your present embarra.s.sments?"

"No: nothing temporary would be of any avail."

"Have you any objection to letting me see a full statement of your affairs? Perhaps I can suggest something better than a failure, which is almost always the very worst thing that can be done."