Not confining himself to theory, or permitting his faculties to rust, even at that early age, in mere abstract speculations, this promising lad commenced usurer on a limited scale at school; putting out at good interest a small capital of slate-pencil and marbles, and gradually extending his operations until they aspired to the copper coinage of this realm, in which he speculated to considerable advantage. Nor did he trouble his borrowers with abstract calculations of figures, or references to ready-reckoners;his simple rule of interest being all comprised in the one golden sentence, `twopence for every halfpenny,' which greatly simplified the accounts, and which, as a familiar precept, more easily acquired and retained in the memory than any known rule of arithmetic, cannot be too strongly recommended to the notice of capitalists, both large and small, and more especially of money-brokers and bill-discounters. Indeed, to do these gentlemen justice, many of them are to this day in the frequent habit of adopting it, with eminent success.
In like manner, did young Ralph Nickleby avoid all those minute and intricate calculations of odd days, which nobody who has worked sums in simple-interest can fail to have found most embarrassing, by establishing the one general rule that all sums of principal and interest should be paid on pocket-money day, that is to say, on Saturday: and that whether a loan were contracted on the Monday, or on the Friday, the amount of interest should be, in both cases, the same. Indeed he argued, and with great show of reason, that it ought to be rather more for one day than for five, inasmuch as the borrower might in the former case be very fairly presumed to be in great extremity, otherwise he would not borrow at all with such odds against him. This fact is interesting, as illustrating the secret connection and sympathy which always exist between great minds. Though Master Ralph Nickleby was not at that time aware of it, the class of gentlemen before alluded to, proceed on just the same principle in all their transactions.
From what we have said of this young gentleman, and the natural admiration the reader will immediately conceive of his character, it may perhaps be inferred that he is to be the hero of the work which we shall presently begin. To set this point at rest, for once and for ever, we hasten to undeceive them, and stride to its commencement.
On the death of his father, Ralph Nickleby, who had been some time before placed in a mercantile house in London, applied himself passionately to his old pursuit of money-getting, in which he speedily became so buried and absorbed, that he quite forgot his brother for many years; and if, at times, a recollection of his old playfellow broke upon him through the haze in which he lived--for gold conjures up a mist about a man, more destructive of all his old senses and lulling to his feelings than the fumes of charcoal--it brought along with it a companion thought, that if they were intimate he would want to borrow money of him. So, Mr Ralph Nickleby shrugged his shoulders, and said things were better as they were.
As for Nicholas, he lived a single man on the patrimonial estate until he grew tired of living alone, and then he took to wife the daughter of a neighbouring gentleman with a dower of one thousand pounds. This good lady bore him two children, a son and a daughter, and when the son was about nineteen, and the daughter fourteen, as near as we can guess--impartial records--of young ladies' ages being, before the passing of the new act, nowhere preserved in the registries of this country--Mr Nickleby looked about him for the means of repairing his capital, now sadly reduced by this increase in his family, and the expenses of their education.
`Speculate with it,' said Mrs Nickleby.
`Spec--u--late, my dear?' said Mr Nickleby, as though in doubt.
`Why not?' asked Mrs Nickleby.
`Because, my dear, if we should lose it,' rejoined Mr Nickleby, who was a slow and time-taking speaker, `if we should lose it, we shall no longer be able to live, my dear.'
`Fiddle,' said Mrs Nickleby.
`I am not altogether sure of that, my dear,' said Mr Nickleby.
`There's Nicholas,' pursued the lady, `quite a young man--it's time he was in the way of doing something for himself; and Kate too, poor girl, without a penny in the world. Think of your brother! Would he be what he is, if he hadn't speculated?'
`That's true,' replied Mr Nickleby. `Very good, my dear. Yes. I will speculate, my dear.'
Speculation is a round game; the players see little or nothing of their cards at first starting; gains may be great--and so may losses.
The run of luck went against Mr Nickleby. A mania prevailed, a bubble burst, four stock-brokers took villa residences at Florence, four hundred nobodies were ruined, and among them Mr Nickleby.
`The very house I live in,' sighed the poor gentleman, `may be taken from me tomorrow. Not an article of my old furniture, but will be sold to strangers!'
The last reflection hurt him so much, that he took at once to his bed;apparently resolved to keep that, at all events.
`Cheer up, sir!' said the apothecary.
`You mustn't let yourself be cast down, sir,' said the nurse.
`Such things happen every day,' remarked the lawyer.
`And it is very sinful to rebel against them,' whispered the clergyman.
`And what no man with a family ought to do,' added the neighbours.
Mr Nickleby shook his head, and motioning them all out of the room, embraced his wife and children, and having pressed them by turns to his languidly beating heart, sunk exhausted on his pillow. They were concerned to find that his reason went astray after this; for he babbled, for a long time, about the generosity and goodness of his brother, and the merry old times when they were at school together. This fit of wandering past, he solemnly commended them to One who never deserted the widow or her fatherless children, and, smiling gently on them, turned upon his face, and observed, that he thought he could fall asleep.
