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Updated: May 11, 2025
The swindler says he has the money and would lend it; but, as the borrower is his brother, he cannot charge interest. So he proposes that he should hand the dupe the money, and the latter should lend it to the swindler's brother, exacting a heavy pre-payment of interest which, it is pointed out, they may equally enjoy in dissipation.
As the credit of these associations develops, they will become a depository for the savings of the community, to the great advantage of both lender and borrower. The latter generally makes an enormous profit out of these loans, which have accordingly gained the name of 'the lucky money, and we find, in practice, that he always repays the association and almost invariably with punctuality.
The children and the children's children of the original borrower had passed away; but the honour of the B. family had been transmitted intact to the fourth generation, and a search was immediately commenced to discover the creditors in England. This, however, as may well be supposed, was no easy task.
There are books for use, stout, everyday articles, and books for pious contemplation, original editions, or tomes that have belonged to great collectors. The borrower, who only wants to extract a passage of which he is in momentary need, is a person heedless of these distinctions. Perhaps the owner of the book never sees the note. Perhaps he does not recognize the hand.
Bertha Stephens has my dictionary, and won't bring it back because the leaves are all stuck together with fudge, and she thinks she ought to buy me a new one. It is very honorable of her to feel that way, but she never will. Good old Stevie, she's a great borrower. "'Neither a borrower nor a lender be, For borrowing dulls the edge of husbandry. "Shakespeare. "Well, I hardly know where to begin.
He was a more conscientious borrower, however, than most of his class are, for he had a case made for these books, kept them carefully locked up, and carried the key in his pocket. This put the owner to some trouble occasionally when he wanted to consult his books. In one instance he begged Mr. Mill to leave the key when the latter was going out of town.
He would say this, and feign to look inside the volume, knowing right well that this safeguard against the borrower is there already. To have a book-plate gives a collector great serenity and self-confidence. We have laboured in a far more conscientious spirit since we had ours than we did before.
It taxes both the lender and the borrower on the same property and the latter has to pay for both. It must be remembered that such securities are not wealth per se, any more than a cook-book is a square meal they are merely evidences of ownership.
My task is not an easy one, but I love my work and my pupils, and I have come to know that the public needs, not so much to be instructed, as to be reminded. Our first borrower was a lady of ninety years, and so we realized at once that there was practically no age limit in this work, thus proving the truth of the well-known saying, "we are never too old to learn."
One having property can control both. His property places him in a position as a superior. He comes to forget the relations he bears to men as equals, and requires that those who have only their natural gifts shall be cringing supplicants before him or be denied his favor. The borrower or the laborer who asserts his rights is endangered by the man controlling property, who has him in his power.
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