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unhappy beneath the many hours of gaiety that came to me�察�as to every
young man。;
;Those two years we could have been in Michigan�察─�said Ethel�察 �had
you understood。;
;I know。 But understanding�察�I believe that I should do the same again。
At the office�察�when not busy�察�I wrote more poetry�察�and began also to write
prose�察�which I found at the outset less easy。 When my first writings were
accepted ��they were four sets of verses upon the Summer Resort�� I felt that
I could soon address Ethel�察�for I had made ten dollars outside my salary。
Had she not been in Europe that July�察�I believe that I should have spoken
to her at once。 But I sent her the paper�察�and I have the letter that she wrote
in reply。;
;I;began Ethel。 But she stopped。
;Yes�察�I know now that you kept the verses�察─�said Richard。 ;My next
manuscript�察�however�察�was rejected。 Indeed�察�I went on offering my literary
productions nearly every week until the following January before a second
acceptance came。 It was twenty five dollars this time�察�and almost made me
feel again that I could handsomely support Ethel。 But not quite。 After the
first charming elation at earning money with my pen�察 �those weeks of
refusal had caused me to think more soberly。 And though I was now bent
upon becoming an author and leaving Nassau Street�察�I burned no bridges
behind me�察 �but merely filled my spare hours with writing and with
showing it to Ethel。;
;It was now that the second area of perturbation of my life came to me。
I say the second�察�because the first had been the recent dawning belief that
Ethel thought about me when I was not there to remind her of myself。 This
idea had stirred but you will understand。 And now�察�what was my proper�察�
my honourable course�拭�It was a positive relief that at this crisis she went
to Florida。 I could think more quietly。 My writing had come to be quite
often accepted�察�sometimes even solicited。 Should I speak to her�察�and ask
her to wait until I could put a decent roof over her head�察�or should I keep
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away from her until I could offer such a roof�拭 �Her father�察 �I supposed�察�
could do something for us。 But I was not willing to be a pensioner。 His
businesswere he generouswould be to provide cake and butter�察�but the
bread was to be mine and bread was still a long way off�察�according to New
York standards。 These things I thought over while she was in Florida�察�yet
when once I should I find myself with her again�察 �I began to fear that I
could not hold myself frombut these are circumstances which universal
knowledge renders it needless to mention�察 �and I will pass to the second
perturbation。;
;A sum of money was suddenly left me。 Then for the first time I
understood why I had during my boyhood been so periodically sent to see
a cross old brother of my mother's�察 �who lived near Cold Spring on the
Hudson�察�and whom we called Uncle Snaggletooth when no one could hear
us。 Uncle Godfrey ��for I have called him by his right name ever since��
died and left me what in those old days six years ago was still a large
amount。 To´day we understand what true riches mean。 But in those bygone
times six years ago�察�a million dollars was a sum considerable enough to be
still seen�察�as it were�察�with the naked eye。 That was my bequest from Uncle
Godfrey�察�and I felt myself to be the possessor of a fortune。;
At this point in Richard's narrative�察�a sigh escaped from Ethel。
;I know�察─�he immediately said�察 �that money is always welcome。 But it
is certainly some consolation to reflect how slight a loss a million dollars
is counted to´day in New York。 And I did not lose all of it。;
;I met Ethel at the train on her return from Florida�察�and crossed with
her on the ferry from Jersey City to Desbrosses Street。 There I was obliged
to see her drive away in the carriage with her father。;
;Mr。 Field�察─�said Mrs。 Davenport�察 �what hour did that train arrive at
Jersey City�拭─�
Richard looked surprised。 ;Why�察�seven´fifteen P。 M。�察─�he replied。 ;The
tenth of March。;
;Dark� ─ �Mrs。 Davenport exclaimed。 ;Mr。 Field�察 �you and Ethel were
engaged before the ferry boat landed at Desbrosses Street。;
Richard and Ethel both sat straight up�察�but remained speechless。
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;Pardon my interruption�察─�said Mrs。 Davenport�察�smiling。 ;I didn't want
to miss a single point in this storydo go on� ─�
Richard was obliged to burst out laughing�察 �in which Ethel�察 �after a
moment�察�followed him�察�though perhaps less heartily。 And as he continued�察�
his blush subsided。
;With my Uncle Godfrey's legacy I was no longer dependent upon my
salary�察�or my pen�察�or my father's purse�察�and I decided that with the money
properly invested�察 �I could maintain a modest establishment of my own。
Ethel agreed with me entirely�察�and�察�after a little�察�we disclosed our plans to
our families�察 �and they met with approval。 This was in April�察 �and we
thought of October or November for the wedding。 It seemed long to wait�察�
but it came near being so much longer�察�that I grow chilly now to think of
it。;
;Of course�察�I went steadily on with my work at the office in Nassau
Street�察�nor did I neglect my writing entirely。 My attention�察�however�察�was
now turned to the question of investing my fortune。 Just round the corner
from our office was the firm of Blake and Beverly�察 �Stocks and Bonds。
Thither my steps began frequently to turn。 Mr。 Beverly had business which
brought him every week to the room of our president�察�and so having a sort
of acquaintance with him�察�I felt it easier to consult him than to seek any
other among the brokers�察�to which class I was a well nigh total stranger。
He very kindly consented to be my adviser。 I was well pleased to find how
much I had underrated the interest´bearing capacity of my windfall。 'Four
per cent��' he cried�察�when I told him this was the extent of my expectations。
'Why�察�you're talking like a trustee。' And then seeing that his meaning was
beyond me�察 �he explained in his bluff�察 �humorous manner。 'All a trustee
cares for you know�察 �is his reputation for safety。 It's not his own income
he's nursing�察�and so he doesn't care how small he makes it�察�provided only
that his investments would be always called safe。 Now there are ways of
being safe without spending any trouble or time upon it�察�and those are the
ways a trustee will take。 For example��' and here he arose and unhooking a
file of current quotations from the wall�察�placed it in my lap as I sat beside
him。 'now here are Government three's selling at 108 3´8。 They are as safe
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as the United States�察�and if I advised you to buy them�察�it would cost me no
thought�察�and my character for safety would run no risk of a blemish。 That
is the sort of bond that a trustee recommends。 But see what income it gives
you。 Roughly speaking�察�about twenty´eight thousand dollars。';
;'That would not do at all��' said I�察�thinking of Ethel and October。;
;'Certainly not for you��' returned Mr。 Beverly�察 �gaily。 If you were a
timorous old maid�察 �now�察 �who would really like all her money in her
stocking in gold pieces�察�only she's ashamed to say so� �But a young fellow
like you with no responsibility�察 �no wife�察 �and butcher's billit's quite
another thing��';
;'Quite��' said I�察�'oh�察�quite��';
;Richard�察─ �interrupted Ethel�察 �do you have to make yourself out so
simple�拭─�
;My dear�察 �you forget that I said I should invent nothing�察 �but should
keep myself to actual experiences。 The part of my story that is coming
now is one where I should be very glad to draw upon my imagination。;
;Mr。 Beverly now ran his finger up and down various columns。 'Here
again��' said he�察 �'is a typical trustee bond�察 �and nets you a few thousand
dollars more at present prices。 New York Central and Hudson River 3 1´2's。
Or here are West Shore 4's at 113 5´8。 But you see it scales down to pretty
much the same thing。 The sort of bond that a trustee will call safe does not
bring the owner more than about three and one´half p
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