"Ah, Mr. Smith!" said he, "I called at your place of business this morning, but was not so fortunate as to find you in. I had fifty shares of Riverland stock, the property of Mrs. Lloyd here, which I presumed you would like to buy."

"You were not out of the way in your presumption. Have you made the sale?"

"Oh yes. Not finding you in, I saw Mr. Jones, who took the shares at a word."

"At what price?"

"Eighty-two. I have his note at sixty days for the amount, which you know is perfectly good."

"Mrs. Lloyd need not have the slightest hesitation in accepting it; and if she wishes the money, I can get it cashed for her." Then rising, he added, "I will leave you now, Mrs. Lloyd, as business requires both your attention and mine. To-morrow I will do myself the pleasure to call on you again."

As Mr. Smith bowed himself out, he noticed, more particularly, the beautiful smile of the elder daughter, whose eyes, humid from grateful emotion, were fixed on his countenance with an expression that haunted him for hours afterward.

"I hardly think that paid," was the remark of Mr. Jones, on meeting Mr. Smith some hours afterward.

"What?" asked the latter.

"Your visit to Lloyd's widow."

"Why do you say so?"

"You lost a bargain which came into my hands, and on which I could get an advance of a hundred dollars to-morrow."

"Ah, what was it?"

"Perkins had fifty shares of Riverland stock, which he was authorized to sell at eighty-two. He called on you first; but instead of being on hand, in business hours, you were off on a charity expedition. So the ripe cherry dropped into my open mouth. I told you it wouldn't pay, neighbour Smith."

"And yet it has paid, notwithstanding your prophecy," said Smith.

"It has!"

"Yes."

"In what way?"

But Mr. Smith was not disposed to cast his pearls before swine, and so evaded the direct question. He knew that his mercenary neighbour would trample under foot, with sneering contempt, any expression of the pure satisfaction he derived from what he had done--would breathe upon and obscure the picture of a grateful mother and her daughter, if he attempted to elevate it before his eyes. It had paid, but beyond this he did not seek to enlighten his fellow-merchant.

Three days later, Mr. Jones is at his desk, buried in calculations of profit and loss, and so much absorbed is he, that he has not noticed the entrance of Perkins the broker, through whom he obtained the stock from Mrs. Lloyd.

"How much of the Riverland Railroad stock have you?" inquired the broker, and in a voice that sent a sudden fear to the heart of the merchant.

"A hundred shares. Why do you ask?" was the quick response.

"I'm sorry for you, then. The interest due this day is not forthcoming."

"What!" Mr. Jones starts from his desk, his lips pale and quivering.

"There's something wrong in the affairs of the company, it is whispered. At any rate, the interest won't be paid, and the stock has tumbled down to thirty-five dollars. If you'll take my advice you'll sell. The first loss is usually the best in these cases--that is my experience."

It is very plain that one operation hasn't paid, for all its golden promise--an operation that would hardly have been effected by Mr.

Jones, had he accompanied Mr. Smith on the proposed visit to Mrs.

Lloyd. The fifty shares of stock, which came, as he thought, so luckily into his hand, would, in all probability, have become the property of another.

And not a week glided by ere Mr. Jones became aware of the fact that another operation had failed to pay. A cargo of coffee and sugar arrived one morning; the vessel containing it had been looked for daily, and Mr. Jones fully expected to receive the consignment; he was not aware of the arrival until he met the captain in the street.

"Captain Jackson! How are you? This is really an unexpected pleasure!" exclaimed the merchant, as he grasped the hand of the individual he addressed, and shook it warmly.

Captain Jackson did not seem equally gratified at meeting the merchant. He took his hand coldly, and scarcely smiled in return.

"When did you arrive?" asked Mr. Jones.

"This morning."

"Indeed! I was not aware of it. For over a week I have been expecting you."

The captain merely bowed.

"Will you be around to my store this afternoon?" asked Mr. Jones.

"I presume not."

There was now, on the part of Mr. Jones, an embarra.s.sed pause. Then he said--

"Shall I have the sale of your cargo?"

"No, sir," was promptly and firmly answered.

"I have made the consignment to Armor."

"To Armor!" exclaimed Mr. Jones, in ill-concealed surprise.

"He's a perfectly fair man, is he not?" said the captain.

"Oh yes. Perfectly fair. He'll do you justice, without doubt. Still I must own to being a little disappointed, you were satisfied with the way your business was done last time."

"Not altogether, Mr. Jones," said Captain Jackson. "You were a little too sharp for, me--rather too eager, in securing your own advantage, to look narrowly enough to mine. Such was my impression, and it has, been confirmed since my arrival this morning."

"That's a grave charge, Captain Jackson," said Mr. Jones; "You must explain yourself."

"I'm a plain spoken, and a straightforward sort of a man, sir." The captain drew himself up, and looked particularly dignified. "The truth is, as I have said, I thought you were rather too sharp for me the last time. But I determined to try you once more, and to watch you as closely as a cat watches a mouse. I was on my way to your store, when I met an old friend, in business here, and, put to him the direct question as to what he thought of your fairness in trade.

'He's sharp,' was the answer. 'He will not take an undue advantage?'

said I. 'Your idea as to what const.i.tutes an undue advantage would hardly agree with that of Mr. Jones,' replied my friend. And then he related the circ.u.mstance of your finding Armor in a tight place last week, and getting from him a lot of goods for two hundred dollars less than they were worth. I went to Armor, and, on his confirming the statement, at once placed my cargo in his hands. The commissions will repair his loss, and give him a few hundred dollars over. I'm afraid of men who are too sharp in dealing. Are you satisfied with my explanation?"

"Good morning, sir," said Mr. Jones.

"Good morning," returned, Captain Jackson. And bowing formally, the two men separated.

"That didn't pay," muttered Jones between his teeth, as he moved on with his eyes cast to the ground, even in his chagrin and mortification using his favourite word--