LITMIR.BIZ

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As the deceased had taken no further notice of his nephew in his lifetime, than sending to his eldest boy (who had been christened after him, on desperate speculation) a silver spoon in a morocco case, which, as he had not too much to eat with it, seemed a kind of satire upon his having been born without that useful article of plate in his mouth, Mr Godfrey Nickleby could, at first, scarcely believe the tidings thus conveyed to him. On examination, however, they turned out to be strictly correct. The amiable old gentleman, it seemed, had intended to leave the whole to the Royal Humane Society, and had indeed executed a will to that effect; but

       the Institution, having been unfortunate enough, a few months before, to save the life of a poor relation to whom he paid a weekly allowance of three shillings and sixpence, he had, in a fit of very natural exasperation, revoked the bequest in a codicil, and left it all to Mr Godfrey Nickleby; with a special mention of his indignation, not only against the society for saving the poor relation's life, but against the poor relation also, for allowing himself to be saved.

       With a portion of this property Mr Godfrey Nickleby purchased a small farm, near Dawlish in Devonshire, whither he retired with his wife and two children, to live upon the best interest he could get for the rest of his money, and the little produce he could raise from his land. The two prospered so well together that, when he died, some fifteen years after this period, and some five after his wife, he was enabled to leave, to his eldest son, Ralph, three thousand pounds in cash, and to his youngest son, Nicholas, one thousand and the farm, which was as small a landed estate as one would desire to see.

       These two brothers had been brought up together in a school at Exeter; and, being accustomed to go home once a week, had

       often heard, from their mother's lips, long accounts of their father's sufferings in his days of poverty, and of their deceased uncle's importance in his days of affluence: which recitals produced a very different impression on the two: for, while the younger, who was of a timid and retiring disposition, gleaned from thence nothing but forewarnings to shun the great world and attach himself to the quiet routine of a country life, Ralph, the elder, deduced from the often-repeated tale the two great morals that riches are the only true source of happiness and power, and that it is lawful and just to compass their acquisition by all means short of felony. 'And,' reasoned Ralph with himself, 'if no good came of my uncle's money when he was alive, a great deal of good came of it after he was dead, inasmuch as my father has got it now, and is saving it up for me, which is a highly virtuous purpose; and, going back to the

       old gentleman, good DID come of it to him too, for he had the pleasure of thinking of it all his life long, and of being envied and courted by all his family besides.' And Ralph always wound up these mental soliloquies by arriving at the conclusion, that there was nothing like money.

       Not confining himself to theory, or permitting his faculties to rust, even at that early age, in mere abstract speculations, this promising lad commenced usurer on a limited scale at school; putting out at good interest a small capital of slate-pencil and marbles, and gradually extending his operations until they aspired to the copper coinage of this realm, in which he speculated to considerable advantage. Nor did he trouble his borrowers with abstract calculations of figures, or references to ready-reckoners; his simple rule

       of interest being all comprised in the one golden sentence, 'twopence for every halfpenny,' which greatly simplified the accounts, and which, as a familiar precept, more easily acquired and retained in the memory than any known rule of arithmetic, cannot be too strongly recommended to the notice of capitalists, both large and small, and more especially of money-brokers and bill-discounters. Indeed, to do these gentlemen justice, many of them are to this day in the frequent habit of adopting it, with eminent success.

       In like manner, did young Ralph Nickleby avoid all those minute and intricate calculations of odd days, which nobody who has worked sums in simple-interest can fail to have found most embarrassing, by establishing the one general rule that all sums of principal and interest should be paid on pocket-money day, that is to say, on Saturday: and that whether a loan were contracted on the Monday, or on the Friday, the amount of interest should be, in both cases, the same. Indeed he argued, and with great show of reason, that it ought to be rather more for one day than for five, inasmuch as the borrower might in the former case be very fairly presumed to be in great extremity, otherwise he would not borrow at all with such odds against him. This fact is interesting, as illus-

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       trating the secret connection and sympathy which always exist between great minds. Though Master Ralph Nickleby was not at that time aware of it, the class of gentlemen before alluded to, proceed on just the same principle in all their transactions.

       From what we have said of this young gentleman, and the natural admiration the reader will immediately conceive of his character,

       it may perhaps be inferred that he is to be the hero of the work which we shall presently begin. To set this point at rest, for once and for ever, we hasten to undeceive them, and stride to its commencement.

       On the death of his father, Ralph Nickleby, who had been some time before placed in a mercantile house in London, applied himself passionately to his old pursuit of money-getting, in which he speedily became so buried and absorbed, that he quite forgot his brother for many years; and if, at times, a recollection of his old playfellow broke upon him through the haze in which he lived--for gold conjures up a mist about a man, more destructive of all his old senses and lulling to his feelings than the fumes of charcoal--it brought along with it a companion thought, that if they were intimate he would want to borrow money of him. So, Mr Ralph Nickleby shrugged his shoulders, and said things were better as they were.

       As for Nicholas, he lived a single man on the patrimonial estate until he grew tired of living alone, and then he took to wife the daughter of a neighbouring gentleman with a dower of one thousand pounds. This good lady bore him two children, a son and a daughter, and when the son was about nineteen, and the daughter fourteen, as near as we can guess--impartial records of young ladies' ages being, before the passing of the new act, nowhere preserved in the registries of this country--Mr Nickleby looked about him for the means of repairing his capital, now sadly reduced by this increase in his family, and the expenses of their education.

       'Speculate with it,' said Mrs Nickleby.

       'Spec--u--late, my dear?' said Mr Nickleby, as though in doubt.

       'Why not?' asked Mrs Nickleby.

       'Because, my dear, if we SHOULD lose it,' rejoined Mr Nickleby, who was a slow and time-taking speaker, 'if we SHOULD lose it,

       we shall no longer be able to live, my dear.'

       'Fiddle,' said Mrs Nickleby.

       'I am not altogether sure of that, my dear,' said Mr Nickleby.

       'There's Nicholas,' pursued the lady, 'quite a young man--it's time he was in the way of doing something for himself; and Kate too,

       poor girl, without a penny in the world. Think of your brother! Would he be what he is, if he hadn't speculated?'

       'That's true,' replied Mr Nickleby. 'Very good, my dear. Yes. I WILL speculate, my dear.'

       Speculation is a round game; the players see little or nothing of their cards at first starting; gains MAY be great--and so may losses. The run of luck went against Mr Nickleby. A mania prevailed, a bubble burst, four stock-brokers took villa residences at Florence, four hundred nobodies were ruined, and among them Mr Nickleby.

       'The very house I live in,' sighed the poor gentleman, 'may be taken from me tomorrow. Not an article of my old furniture, but will

       be sold to strangers!'

       The last reflection hurt him so much, that he took at once to his bed; apparently resolved to keep that, at all events.

       'Cheer up, sir!' said the apothecary.

       'You mustn't let yourself be cast down, sir,' said the nurse.

       'Such things happen every day,' remarked the lawyer.

       'And it is very sinful to rebel against them,' whispered the clergyman.

       'And what no man with a family ought to do,' added the neighbours.

       Mr Nickleby

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