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Updated: May 9, 2025
A gentleman, unknown to me, soliciting pecuniary assistance, informed me that, having "sought relief from trouble in dissipation," he "committed an act which sent him into Penal Servitude," and shortly after his release, "wrote a book containing many suggestions for the reform of prison discipline," A lady, widely known for the benevolent use which she makes of great wealth, received a letter from an absolute stranger, setting forth that he had been so unfortunate as to overdraw his account at his bankers, and adding, "As I know that it will only cost you a scratch of the pen to set this right, I make no apology for asking you to do so."
These poor fishermen are not rich, as I have said; a dollar looks to them as big as a dinner-plate to us, and a moderately flush Wall-Street man might buy out the whole Cape and not overdraw his bank-account. Also, they have but little book-learning among them, reading chiefly their Bible, Bowditch, and Nautical Almanac, and leaving theology mostly to the parson, on shore, who is paid for it.
"Five hundred thousand, and even then I'll have to overdraw my accounts with three banks." "I wish my credit was as good as yours, Carey. Your banks will stand for the overdraft, of course. You'll have to arrange it some other way if they will not." "I can't give you a cent over half a million to-day, no matter what you do" pleaded Carey piteously, and Bob realized that he was speaking the truth.
In his chivalrous determination not to overdraw the blank cheque she has signed for him unawares, the stranger conceives that a few words of dry apology will meet the case, and leave him to go on his way. So, though powerfully ignoring the fact that that outcome will be an unwelcome one, he replies: "I quite understand, and I am sincerely grateful for your caution."
I am again fairly settled down to the pleasant duties of an old-fashioned Virginia-housekeeper, steady as a clock, busy as a bee, and cheerful as a cricket." That she did not overdraw her account of her industry is borne out by a Mrs. Carrington, who, with her husband, one of the General's old officers, visited Mount Vernon about this time.
We praise the banker that we may overdraw our account, and find good qualities in the highwayman in the hope that he may spare our pockets. I mean everything that I have said. I have the greatest contempt for optimism. As for a spoiled life, no life is spoiled but one whose growth is arrested. If you want to mar a nature, you have merely to reform it.
If you can fool the cashier into giving your messenger a check book you can gamble pretty safely on his paying a check signed with the same name. In that way, you see, you can get all the blank checks you need and test the cashier's watchfulness at the same time. It's too easy. The only thing you have to look out for is not to overdraw the account.
But it is not good for one's credit to overdraw too frequently her bank account; and there may come a time when suspension means bankruptcy, and when all the kindness and skill of all our friends can be no longer of any avail. Is it not our own fault, and shall we not so educate our girls that they shall not fall into it, since they comprehend its unreason?
Of course, as Harry gave him a share, there's no reason why he shouldn't do this so long as he does not overdraw that share. There's no doubt, however, that he has lost a good deal of money on the wheat market." "Has he lost any of Harry's?" Mrs. Hastings asked. Sproatly hesitated. "I'm afraid it's practically certain." Then Winifred broke in. "Yes," she said, "he has lost a great deal.
I have no desire to overdraw his qualities, but if there was one thing in him more noticeable than another, it was his fondness for nature.
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