Evening star. [volume] (Washington, D.C.) 1854-1972, 1889-10-05

PEEY-rHE FORMER DIFFICULTY TO BE GOT
pvKI, But NOT THE LATTER 30 EASILY.
know that am regarded as an object of
w by most men," sighed q rich young Go
lphin from the depth of q fauteuiI at the
atypus club the other night as he helped
mself to another glass OF wine from the de-
inter- at his elbow, ''but I tell you what it is,
q boy-have some more Of the grape Juice,
> harmless-this business of having money
1T IN every respect agreeable. / won't say
at 1 despise cash-without it 1 should have to
m my living, and that would be deuce Of q
re. Imagine being tied to an Office desk all
~ long. or, perhaps, diminishing around the
wn after bread and butter, like that poor
vii Of a newspaper person who came to me
an item about the club a few moments
kol Why, the very notion Is horrible.
ut IL would be so much more satisfactory
the fact that one had means was not
matter of public notoriety. For that is just
here the inconvenience Of the thing comes in.
Gu, my dear fellow, who make no secret of
avIng barely enough to be comfortable upon
abachelor-thOugh j know well enough you
can to marry money some day-are incredu-
Ius, of course. Wanting experience In that
ay you have no idea of the annoyances am
ompelled 70 suffer from on account OF my
Rb6stnoACA-1
ave you, nov?'
Il pity you. old man, from the bottom Of my
cart" said the individual addressed, twisting
Is long blonde moustache, none the less be-
Ause your woes are to me mysterious.
THE ASSoYANcEs.
II know you're chafing; but the annoyances
speak of are real enough. First in importance
mong them are the men who borrow. Even
on are aware, to some extent, Of their num-
ers."
They are legion"
Indeed. that is putting it mildly. They come
o one, and they say: Dear boy, / want a cen
Uty until Friday That is the typical off-hand
orroxer. What are You going to say in reply?
GU have dined with the man. and he has
unched with you. You meet him constantly
the club and at houses you both frequent.
lie Is a comrade; IL Is out of the question 10 Of
end him. He knows that it Is simply a matter
n willingness on your part You have been
advertised as a man of WEALTH. am simply as
unlng a caSe-and you cannot respond with,
Really, old fellow, l would il could; but re-
|nittances, you know.-There is nothing for you
r do but to hand over the cash; for you are at
he mercy of your own reputstion as a capital
st. This is one kind of borrower"
Il have met SUCH"
"Ihen there is the other kind-more COM
fnon and even more disagreeable-the fellow
5EhO seeks you privately and says: Jim, I'm in
distress for a small amount of money. Won't
You let me have s100-I know it's of no con-
Sequence to you-until the first of next month";
Nhereupon he goes into an elaborate and most
bxasperating description of the nature Of his
difficulty, with details in which you have not
The slightest interest; and. if you give him the
money, he is so profuse with his protestations
pr thanks as to excite your disgust. Have an
|other cigar?'
But, after ALL" suggested the man with the
blonde moustache, accepting the weed and
striking match. with your income You can
afford to lend a few thousand year, even if
bou never get them back"
FRIENDS AND DOLLARS.
at isn't the money at all that care about"
replied Godolphin, but don't like to lose
my friends, and there is no surer way to &C
eomplish that purpose than to lend them dol
lars. That philosophy is thousands of years
old, and the reasons back of il take to be
clear enough. It hurts a mans pride
70 apply TO another for loan. The
borrower must humble himself. in a sense
before the lender; and il not only hurts the
borrowers self-esteem-every persons most
sensitive poinJ--lt the time OF borrowing but
rankles in his mind afterward. Even If the
borrower returns the money subsequently, he
can never meet the lender. though it be years
after, without recalling the humiliation and
imagining that the lender recalls il also.
here Is a shadow between the two from that
time on"
1on Is that money borrowed from friends is
rarely returned"
Your observation closely agrees with my
OWN; but, as was going to say, the ordinary
Ease IS much worss. The money is not
n paid. and the maa who has borrowed
{ of you is ashamed to meet you
Before the accused Question of cash came be-
tween you he was your friend. but now he
avoids you in order that the debt shall not
bring its,lf to mind He knows that you know
be has not acted honorabiy, and he hates you
for 1T Yo1 are lucky II in him you have only
lost a friend and not made an enemy"
MONEY PAID BACK
'.Your wisdom is as that of Solomon. And
you'd you venture guess as to the percent
age OF money loaned among friends that il
actually paid back?''
Well. in making such an estimate should
FIRST divide All persons who borrow in that way
into three eiasses-those who pay, those who
have 40 intention OF paying, and those who
mean TO pay. but do not. OF such borrowers
the first OF these classes does no. in-
include more than 20 per cent The second
class may number 80 per cent more, and the
third class the remaining so per cent. On the
whole. should say that the average chance OF
recovering money so lent was not over one out
o. four. which would go to show that the busi-
Ness Of lending 20 friends .is as Improbable
financially as II is otherwise"
And you yourself have been an extensive
Fufferer."
A SYSTEM OF PROTECTION.
'Once upon a time was, but now it is diff
ferent. have adopted system for my own
protection which, though expensive, is less so
than the ordinary plan of lending to the impe-
cunious. A borrower comes to ms-tle de-
maud is always comparatively small
and SAYS: 'GodolphIn, old man,
let me have half century until Mon
day It's funny how borrowers always men
ton the date on which they say they will repay
the loan And reply with my regular formula:
With pleasure; here is the money. There are
only two conditions attached to the TRANSACT
tlou-frst, tina: You will never tell any one
about IT. and. second. that the $50 is never 10
BE- paid back
by Jovei That is an eccentric scheme"
"But 1t works. In very many cases the bor-
ROVER declines the loan on such terms His
refusal does him honor, and there is simply a
laugh over the matter when / briefly explain
To him the circumstances which have driven
me to the adoption of such a cast
iron plan In many other instances the loan
Is accepted. with the conditions attached
There Is no question of its return, and con-
paratively little harm is DONE II the ma who
borrowed money on such terms appealed to me
a second time should not hesitate to refuse
because 4 should be convinced by the fact of
the second appeal that his friendship was not
desirable. SO far / have found the scheme
work admirably. IL has cost me less money
aud have lost no friends"
TIE GIRLS ARE THE WORST.
II applaud your sagacity," said the man with
the blonde moustache. But judge, from
what you said minute ago, that the borrowing