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in which you are delinquent."

"What would you have me do? I cannot make money."

"I wouldn't give much for an investment when the interest is delayed. It is no longer worth its face. If any of my railroad bonds defer their usual interest they at once drop in value."

"I know very little of railroad bonds, never having any money to invest in them; but I think my farm will be full security for all the money I owe you."

"Suppose I should foreclose—you would consider it an unkind thing and a great hardship, wouldn't you?"

"It would take away my means of supporting my family. I don't think you would go to extremes, for the sake of thirty dollars."

"It isn't the amount of money, neighbor Nelson, that[Pg 180] is to be considered. It is the principle that is involved."

This is a very common pretext with men who have made up their minds to do a mean thing. Generally speaking it is false, and the money is the first consideration.

"Will you give me two months to pay the balance of interest?" asked Mark Nelson.

"What better prospect have you of being able to pay me then?"

"As soon as Tom has any money to send, he will remit to me. I think it probable that I shall hear from him in the course of two months."

"If that is your reliance," said the squire, shrugging his shoulders, "I am afraid you are leaning upon a broken reed. I know boys pretty well, and I fancy Tom will find a use for all the money he earns."

"You don't know him, Squire Hudson. He is a very conscientious boy, and understands very well the sacrifice I made in raising money to send him to California. He is not very likely to forget that."[Pg 181]

"It seems to me that the sacrifice was mine," said the squire, with a half sneer. "If I remember rightly, I advanced the money which he took away with him."

Mark Nelson flushed, and he answered warmly, "You did advance the money, Squire Hudson, but I gave you security for it."

"And the very first interest that has come due you are not prepared to meet. You can't blame me for feeling a little doubt as to the wisdom of my advance."

"Are you very much in need of the thirty dollars?" asked Mr. Nelson, nettled at the squire's tone.

"What do you mean, sir?"

"Is it subjecting you to any great inconvenience to wait a couple of months for it? That is what I mean."

"My circumstances are not such," returned the squire, haughtily, "as to make me feel even the loss of thirty dollars."

"I wish I could say the same, but I cannot. Since, then, it will occasion you no inconvenience,[Pg 182] I ask you as a favor that you will let the balance rest for two months."

Squire Hudson saw that he was cornered; but none the less was he disposed to yield the point. He even felt provoked with the farmer for having forced from him an acknowledgment that he did not need the money he so persistently demanded.

"I told you before," he said, "that it was not the amount of money, but the principle, that I care for. You cannot have forgotten this."

"I don't see how any principle is involved, Squire Hudson."

"You look at the matter solely from a debtor's point of view. If you held the mortgage, instead of myself, you would change your view very quickly."

"I don't think I should," said the farmer, slowly. "I would be considerate to a poor neighbor, even if it did inconvenience me a little."

"The poor neighbor should not have borrowed money on which he was unable to pay interest," said Squire Hudson, severely.

"How could I anticipate the drought that has[Pg 183] diminished my crops?" said Mark Nelson, with spirit.

"That is neither here nor there. You knew that the interest must be paid, drought or no drought, crop or no crop."

"I cannot argue with you further, since you refuse to consider circumstances over which I have had no control. You refuse to grant me any delay?"

"I do."

"Since I have not the money to pay you, will you tell me what you require?"

"How many cows do you keep?"

"Three."

"You can give me one of these, and I will consider it an equivalent for the thirty dollars."

"Do you require this?" asked the farmer, uneasily.

"Yes; unless you have some other satisfactory arrangement to propose."

"I am afraid I have nothing else which you would regard as satisfactory. The loss of a cow will diminish my income. Instead of three, I[Pg 184] ought to have four or five. I shouldn't like to be reduced to two."

"Very likely not; but an honest man is willing to make a sacrifice in order to meet his just liabilities. Besides, you expect to have the money, you say, in a couple of months. When it has come, you may have your cow back, on paying two months' interest on the deferred payment. That is only fair."

"Say no more, Squire Hudson," said the farmer. "I must, of course, consent to this arrangement since you insist upon it. How soon do you wish for the cow?"

"You had better let your son Walter drive it over this afternoon."

"He is losing no time," thought Mark Nelson, bitterly. "He does not even appear to be willing that I should have the benefit of this night's milking."

"You may send me Whiteface," continued Squire Hudson, who knew that this was the most valuable of the three cows.

"That is my best cow," protested the farmer[Pg 185] "That makes little difference, as you expect to redeem it in two months."

Mark Nelson was silent. He felt indignant with Squire Hudson for his cruel exaction; but he felt that he was in his power, and that he must submit to his exactions.

"You will attend to this matter?" asked the squire, as he rose and prepared to go.

"Yes," answered the farmer, coldly.

When his creditor was gone he went into the kitchen and acquainted the family with what had passed. Great were the grief and indignation of the children, and Walter expressed a desire that Squire Hudson might lose all his property as a fitting reward for his meanness.

"Heaven help me if I can't meet the next interest!" said Mark Nelson, later in the day, to his wife.

"Don't be too much troubled about the future, Mark," said his wife, who was of a more hopeful temperament than her husband; "I am sure that you will get some help from Tom before six months are over."[Pg 186]

"I hope so," answered her husband; but for the rest of the day he was very grave.

Walter drove over Whiteface, at his father's request; but he came near crying, stout boy as he was, at the loss of the faithful animal which his father had reared from a calf.

CHAPTER XX.

[Pg 187]

AT SACRAMENTO. Top

After his escape from the grizzly Tom had no further adventures of an exciting character. One afternoon he and his companions arrived at Sacramento. It was but a small settlement, but was more town-like than any place they had yet seen in California. They drove to a two-story frame building, which was the chief hotel in the town. Taking the precaution to inquire the price of board and lodging, they were dismayed by the extravagance of the charges. Tom saw that his reserve fund of twenty dollars would scarcely last him forty-eight hours.

"I can't stay here, Mr. Ferguson," he said. "I will take my chances and camp out, if necessary."

"I agree with you, lad; I'm not inclined to waste my substance on luxurious living."[Pg 188]

"There won't be much luxurious living, I guess," said Ebenezer Onthank, who, with Yankee curiosity, had already visited the kitchen and obtained some idea of the fare to be expected. "I kin get better board at Green Mountain Mills for three dollars a week, and folks are darned glad to accommodate you for that price. These chaps seem to think and act as if we were made of money."

"I wish some of your Green Mountain Mills boarding-houses were here," said Tom. "I could save plenty of money then."

"Well, gentlemen, do you want to stay here?" inquired the landlord.

"We'd like to, squire, but not bein' millionaires I guess we'll have to put it off till times are better."

"Just as you say," said the landlord, indifferently. "There's others waiting for the only room I have empty." Then, noticing for the first time the express wagon which Tom had left outside, he asked, in a tone of interest, "Who owns that team?"[Pg 189]

"It belongs to this boy and myself," answered Ferguson.

"Where did it come from?"

"The States."

"You don't want to sell, do you?"

Tom was about to reply in the affirmative, but the Scot, more shrewd, answered indifferently, "We may sell it when we get to San Francisco."

"I need just such a team as that," said the landlord, eagerly. "I'll give you a good price for it. You can go down the river to Frisco."

"I suppose we might," said Ferguson, slowly, "if it was worth our while."

"What'll you take, cash down?" inquired the landlord, earnestly.

"Nay, my friend, I prefer to hear your views as to the price."

"I will give you eight hundred dollars for the wagon."

This was certainly an excellent profit, for but three hundred had been paid for horse and wagon. Tom's heart beat fast with excitement, for he[Pg 190] remembered that one-third of the money would come to him. If it had depended upon him he would have clinched the bargain at once, but he wisely left the matter in the hands of his companion and partner.

"That seems a fair offer," said Ferguson; "but I think we may as well wait till we reach San Francisco. Besides, we want to sell the horse, too."

"I will give you a thousand dollars for the two," said the landlord.

A man with his pantaloons tucked in his boots, a coarse woolen shirt, and a wide-brimmed sombrero, which overshadowed a face bearing a beard of a week's growth, was leaning against the door-post.

"Landlord," said he, "I see your price, and I'll go two hundred better."

Tom stared at the speaker in surprise. He looked like a man who would have found it hard to raise twelve dollars, yet he had made an offer of twelve hundred. Our hero did not learn till afterwards that the man had "struck it rich" at the[Pg 191] mines, sold out his claim for ten thousand dollars, and for the time being was the lucky possessor of a large bank account.

"Now, Tom Scott," expostulated the landlord, "this ain't fair. I want the wagon more'n you do, and you're a-raisin' the price on me."

"How do you know that?" drawled Scott. "I've got a pile, and I mean to take it easy while it lasts. I'm going back to the mines like a gentleman, with my own team, you bet, if I've got money enough to buy one."

The landlord was satisfied that, if he wanted the team, he must outbid his competitor, and advanced his offer to thirteen hundred dollars. But Tom Scott was not terrified. His money had come easily, and he would not let two or three hundred dollars stand in the way of his wishes.

"I'll go fifteen," he drawled.

The landlord shrugged his shoulders, and said, in a disappointed tone, "You'll have to take it, Scott. You've gone ahead of my pile."

"Well, stranger, is it a bargain?" asked Scott.

The Scotchman, though inwardly elated as well[Pg 192] as astonished at the extraordinary offer he had received, answered quietly, "If my partner agrees."

"I guess we'd better sell," said Tom, trying not to betray his inward satisfaction.

"All right," said Scott, appearing to be well pleased. "You can have your money when you want it. If you are going to Frisco, I'll give you an order on my banker there."

"Tom Scott's a square man, and his order will fetch the money," said the landlord, observing Ferguson's prudent hesitation.

"That is satisfactory," replied Ferguson.

In five minutes more the business was concluded, and Ferguson and Tom, longing to congratulate each other on their good fortune, walked off together.

"We're in luck, Mr. Ferguson," said Tom. "I don't know whether I stand on my head or my heels. I never expected such a price."

"Twelve hundred dollars is a great profit," said Ferguson. "I almost doubt whether we are justified in asking such an extortionate price of the poor man."[Pg 193]

"He is pleased with his bargain, and I don't think we need to trouble ourselves about that," answered Tom. "Besides, you know we can't compare prices with those at home."

"No doubt there is reason in what you say, my lad; but it's not easy at first to make allowance for the difference."

"That's so, Mr. Ferguson. When shall we go to San Francisco?"

"We will go to-morrow, if we can. I suppose you will wish to send some money to your father."

"Yes, I am in a hurry to send to him, for I am sure he needs it already. I can hardly realize that I am worth five hundred dollars."

"Five hundred?"

"Yes, I had a third share in the team."

"That isn't my way of looking at it, Tom."

"Is it possible Mr. Ferguson would cheat me out of my fair share?"

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