LITMIR.BIZ

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on the floor. “A bug from Egypt. The lad who owns this does not care whether I ever receive back my gold. When I reproach him he replies, ‘How can I repay when ill fate pursues me? You have plenty more.’ What can I do? The token is his father’s — a worthy man of small means who did pledge his land and herd to back his son’s enterprises. The youth found success at first and then was over-zealous to gain great wealth. His knowledge was immature. His enterprises collapsed. “Youth is ambitious. Youth would take short cuts to wealth and the desirable things for which it stands. To secure wealth quickly youth often borrows unwisely.

      Youth, never having had experience, cannot realize that hopeless debt is like a deep pit into which one may descend quickly and where one may struggle vainly for many days. It is a pit of sorrow and regrets where the brightness of the sun is overcast and night is made unhappy by restless sleeping. Yet, I do not discourage borrowing gold. I encourage it. I recommend it if it be for a wise purpose. I myself made my first real success as a merchant with borrowed gold.

      “Yet, what should the lender do in such a case? The youth is in despair and accomplishes nothing. He is discouraged. He makes no effort to repay. My heart turns against depriving the father of his land and cattle.”

      “You tell me much that I am interested to hear,” ventured Rodan, “but, I hear no answer to my question. Should I lend my fifty pieces of gold to my sister’s husband? They mean much to me.”

      “Thy sister is a sterling woman whom I do much esteem. Should her husband come to me and ask to borrow fifty pieces of gold I should ask him for what purpose he would use it.

      “If he answered that he desired to become a merchant like myself and deal in jewels and rich furnishings. I would say, ‘What knowledge have you of the ways of trade? Do you know where you can buy at lowest cost? Do you know where you can sell at a fair price? Could he say ‘Yes’ to these questions?”

      “No, he could not,” Rodan admitted. “He has helped me much in making spears and he has helped some in the shops.”

      “Then, would I say to him that his purpose was not wise. Merchants must learn their trade. His ambition, though worthy, is not practical and I would not lend him any gold.

      “But, supposing he could say: ‘Yes, I have helped merchants much. I know how to travel to Smyrna and to buy at low cost the rugs the housewives weave. I also know many of the rich people of Babylon to whom I can sell these at a large profit.’ Then I would say: ‘Your purpose is wise and your ambition honorable. I shall be glad to lend you the fifty pieces of gold if you can give me security that they will be returned.” But would he say, ‘I have no security other than that I am an honored man and will pay you well for the loan.’ Then would I reply, ‘I treasure much each piece of gold. Were the robbers to take it from you as you journeyed to Smyrna or take the rugs from you as you returned, then you would have no means of repaying me and my gold would be gone.’

      “Gold, you see, Rodan, is the merchandise of the lender of money. It is easy to lend. If it is lent unwisely then it is difficult to get back. The wise lender wishes not the risk of the undertaking but the guarantee of safe repayment.

      “‘Tis well,” he continued, “to assist those that are in trouble, ‘tis well to help those upon whom fate has laid a heavy hand. ‘Tis well to help those who are starting that they may progress and become valuable citizens. But help must be given wisely, lest, like the farmer’s ass, in our desire to help we but take upon ourselves the burden that belongs to another.

      “Again I wandered from thy question, Rodan, but hear my answer: Keep thy fifty pieces of gold. What thy labor earns for thee and what is given thee for reward is thine own and no man can put an obligation upon thee to part with it unless it do be thy wish. If thee wouldst lend it so that it may earn thee more gold, then lend with caution and in many places. I like not idle gold, even less I like too much of risk.

      “How many years hast thou labored as a spearmaker?”

      “Fully three.”

      “How much besides the King’s gift hast saved?”

      “Three gold pieces.”

      “Each year that thou hast labored thou has denied thyself good things to save from thine earnings one piece of gold?”

      “‘Tis as you say.”

      “Then mightest save in fifty years of labor fifty pieces of gold by thy self-denial?”

      “A lifetime of labor it would be.”

      “Thinkest thou thy sister would wish to jeopardize the savings of fifty years of labor over the bronze melting pot that her husband might experiment on being a merchant?”

      “Not if I spoke in your words.”

      “Then go to her and say: ‘Three years I have labored each day except fast days, from morning until night, and I have denied myself many things that my heart craved. For each year of labor and self-denial I have to show one piece of gold. Thou art my favored sister and I wish that thy husband may engage in business in which he will prosper greatly. If he will submit to me a plan that seems wise and possible to my friend, Mathon, then will I gladly lend to him my savings of an entire year that he may have an opportunity to prove that he can succeed.’ Do that, I say, and if he has within him the soul to succeed he can prove it. If he fails he will not owe thee more than he can hope some day to repay.

      “I am a gold lender because I own more gold than I can use in my own trade. I desire my surplus gold to labor for others and thereby earn more gold. I do not wish to take risk of losing my gold for I have labored much and denied myself much to secure it. Therefore, I will no longer lend any of it where I am not confident that it is safe and will be returned to me. Neither will I lend it where I am not convinced that its earnings will be promptly paid to me.

      “I have told to thee, Rodan, a few of the secrets of my token chest. From them you may understand the weakness of men and their eagerness to borrow that which they have no certain means to repay. From this you can see how often their high hopes of the great earnings they could make, if they but had gold, are but false hopes they have not the ability or training to fulfill.

      “Thou, Rodan, now have gold which thou shouldst put to earning more gold for thee. Thou art about to become even as I, a gold lender. If thou dost safely preserve thy treasure it will produce liberal earnings for thee and be a rich source of pleasure and profit during all thy days. But if thou dost let it escape from thee, it will be a source of constant sorrow and regret as long as thy memory doth last.

      “What desirest thou most of this gold in thy wallet?”

      “To keep it safe.”

      “Wisely spoken,” replied Mathon approvingly. “Thy first desire is for safety. Thinkest thou that in the custody of thy sister’s husband it would be truly safe from possible loss?”

      “I fear not, for he is not wise in guarding gold.”

      “Then be not swayed by foolish sentiments of obligation to trust thy treasure to any person. If thou wouldst help thy family or thy friends, find other ways than risking the loss of thy treasure. Forget not that gold slippeth away in unexpected ways from those unskilled in guarding it. As well waste thy treasure in extravagance as let others lose it for thee.

      “What next after safety dost desire of this treasure of thine?”

      “That it earn more gold.”

      “Again thou speakest with wisdom. It should be made to earn and grow larger. Gold wisely lent may even double itself with its earnings before a man like you groweth old. If you risk losing it you risk losing all that it would earn as well.

      “Therefore, be not swayed by the fantastic plans of impractical men who think they see ways to force thy gold to make earnings unusually large. Such plans are the creations of dreamers unskilled in the safe and dependable laws of trade. Be conservative in what thou expect it to earn that thou mayest keep and enjoy thy treasure. To hire it out with a promise of usurious returns is to invite loss.

      “Seek

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