, 1872-12-15
1Ioney-Dorrowrs. = The Advantage
and Kees4y + Cash.
The Metropolis $ a Field for
Swi1e's.
The Number an VaFty Of Social
Hignwaym1-- -:Rsu Mode
D Duping
Horace Greeley as Victim Of
Corners,
The .Downwar6 Co,se of the
Fraudulent Frarnity.

NEW r. Dec. II, 1874
Money is the moti1e-power dhe world In
executive capacity, it is an ami or devil BY
It, civilization must be measu1and Ill accom-
plishment wrought. 4 mattel blessing, it il
the parent, too, Of such an amt Of spiritual
comfort ss may not be 1eckc- Money viii
tuy everything but health aaffect1on; and,
through its aid, the one is tected, and the
other provoked. No marFelat men worship
money; it is the strongest secular de1ties,
the frmest Of supporters. an'e staunchest OF
friends. Nobody can live 7oa! 1t; it is life
itself. Every one must anfl naTe it in cer-
tain quantity, either by =: nesns or foul
Every community is compo,of borrowers and
lenders, and the former e1lways In stupen-
dous majority. They who q most lend least,
and, consequently. borrowAEe brought to de-
pend On tho class widelynoyed from PROS
perity.
FrASc1A1 PsITEs.
The number Of men w5uhsist upon others
by persistent heccing cararcely be estimated.
They abound in this cou1, especially in this
city, which may well be cd the haven OF tho
hard-up, and the b1iasful.t OF the professional
, borrower. ALI roads Ia to New York; all
sWlnd1ers and adventuresouey Mthez IN e1"
pectation OF finding vieias. Their anticipa-
tlons are generally realize anthey bless the
stars which have guide the, to monetary
Manhattan. They come By cry boat and
train, from eye-y State al nnti, with devices,
plans, and prateSts fc GENTLY defrauding
that colossal goose kno7n as theublic.
Fortunes ere go muc1 more ely and quickly
made here than in any ether cl that the bor-
rover, whatever his calling his cllrne, Is
tempted to visit us because nhdent Of his
reward Europeans often wcur at the care
lessness Of Americans IN rospeto money, and
are astouoded when told that, u this Western
land, the Chief Requirements fprccoring loans
without security arc falseloc and eTronterJ.
1hey cannc. understand hoT Is possible for
hundreds and thousands Of INTO live by polite
" robbing otEGs, and yet ket up an assump-
ton Of honesty ard respectfully. Awars that
such things could not be in Old World capi-
tails, they arc surprised at iAorposito order OF
affairs OYER hem.
TEE 1uzlEER OF BRoTEps
ltwou1d be extremely intating to know the
amount that tlds commurits sNind]ed out OF
annually, not Uly nr it's oTcltlzeas and peo-
pie, but by foreigners oi eycgrade-. venture
20 affirm that that there a-enost always here
from 20, 600 to 25. 600 petse Whoac principal
business it is 70 filch from t:puraes Of whom
aoeyer they caa. Borrowing their exclusive
profession. They hare relied it 10 . science,
and arranged i. IS an ait. fe.- have certain
genius for imposition, q drsatic power Of r.is-
representation, . fccunditrf Invention which
would have inI7ed to theirreat advantage in
some honest cs!ling. But honesty they will
have none; pre{erring TO Eodle, falslfy, and
plunder By the n:ceties Of tnlpulaton and tho
'subtleties Of deception. These professional
borrowers are Of divers drees and countless
types, though their ED simultaneously and per-
the same.
THE BoRRowu MIND.
The normal nina woull5uppose that borrow
ing Is the hardest way to It money; that ear
nest and honest work of at kind would be much
the easier Of the two. B,1he mind Of the pro-
-esslouA borrower is aaor11al. Having no
clear conceptions ct tru1 Justice. or adyan-
taSe, 1t sees Life at 81 eramely obtuse angle.
1t may hare been healttfi at nrst. but it be-
comes diseased by confined violation Of integ-
r1ty, and finally ceases to ave cognizence OF its
OWL operations. 4
Money is often called, i generally seems to
ought to be above cons!de,rg. The mere pos
session ct monty may not b, and indeed it very
rarely Is: either refining or enobling; but to be
without it bege,s unhappines, opens the door to
Semptatlon, prevokes & Ienducy to disesteem. II
not to degradation. Nothin5is SO demoralizing
Is to be under material obiations that cannot
be- discharged, and when thso obligations are
voluntarily and continually assumed, he who
assumes then grows to be, ere long, syco-
ohant and & elave.
''BEW4RE OF oEsrs!''
IS an ezcellens motto for secular guidance, and
is conscienfcus follower will, in the long run,
oe owned, to surrender individuality, to lose in
dependence, 70 forfeit self-resrec.. The iebtor
'oon parts With his sensibuitv, and WAKES cal
ous- His .curse winds downward; at every
urn he is futed to do greater yioleEce to his
natural self I'D the cause of truth. Eventually,
,e becomes worse offender than those the laws
'uniah for Ee Is .a enemy to eoclety whom
ociety hes 10 power to contine.
The Metropolis is infested with SO many and
uch different borrowers, End they are go much
part Of the community, th=. they may be
lVided ard su5aiv:ded into classes.
TEE FIRST CLASS
composed Of those who, being in bust
ssS sT Tsstse, ffsE BaE with Sh tie 5e' erpecte ss
ion Of paging n due season. They are usually
opeful, even sanSuine. though less prudeut
nd conscientious than they thould be, and more
onsiderate of themselves t.Rn Of others. These
len turn their confidence apd audacity to profit
rovided fortune favor Their but, if he be ad-
erse, they go down, AMI drag their lenders
18th them. They rise again, however, in new
ashons fo- borrowing, and once more challenge
circumstances to do their behest. il they Tlu
last, they boast OF Their energy, perseverance,
nd courage, ard despise men who have been
lore conscientious and less lucky.
THE SECOND cI-.ss
ave legitimate celiings, but substitute credit
II capital They borrow largely without con-
9rning Themselves in regard to liquidation.
hey a:e not positively, though They may be
onalda:ed negatively, diEhoaest. They will pay
they can conveniently but, it they cannot,
ley rsfuse to fret,--eEigning their financial
1rdens to those compelled to bear them.
ID, when their creditors complain, they write
lese to DO patient, and wait for the Day of
Augment.
TEE THIRD CLASS
lift from one occupa:ioa to another, and in
cry shifting ere liable to deterioration. Half
Ia time they u-o ont OF bussnesg, but they are
ways going into something new that promises
|mirabIy. They dwell in tomorrow. md defer
70 fulfiment of all their e1ga a5ements to that
1certain fragment Of time. They borrow right
ID left, careless of whom. never reckoning the
mount they have taken, or the covenant they
I'VE made. They will pay it they are duuned;
It, il not, they will scatter their obliga-
ons with their breath. After certain range
experience in eIectng private loans, they
arm that many persons would rather suffer
es than ask for a return Of money, and they
ke advantage of this sensibilty. They fortify
cir want OF principle By affirming that debt
not due until demanded. and they always pre-
nd to forget what it wou4d be unpleasant to
member. They arc poor in performance.
1ey invariably want extensions, and regard to-
" Is if it we're nonresident. Catch them with
full purse, and represent your right to s. part
its conteuts, md you may count upon pay