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Great Fortunes, and How They Were Made

Chapter 68: ROBERT BONNER.
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About This Book

A collection of illustrated biographical sketches traces the lives of men who rose from modest beginnings to wealth or public influence through industry, invention, and enterprise. Each chapter recounts early hardships, pivotal risks, practical habits, and notable successes or failures, using anecdotes and documentary detail to show how character, perseverance, and business acumen produced financial and social outcomes. The work emphasizes principles that guided their careers—frugality, innovation, bold investment, and public benefaction—and presents lessons and encouragement for readers aspiring to similar advancement.


CHAPTER XVI.


CHAUNCEY JEROME.

The old-fashioned clocks—Their expensiveness—Condition of the clock trade of Connecticut sixty years ago—Early history of Chauncey Jerome—A hard life—Death of his father—Becomes a farmer's boy—Is anxious to become a clock-maker—An over-wise guardian—Hardships of an apprentice—How Jerome became a carpenter—Hires his winters from his master—Becomes a dial-maker—The clock-making expedition—Jerome's first savings—Takes a wife—A master carpenter—Poor pay and hard work—Buys a house—A dull winter—Enters Mr. Terry's factory—The wooden clock business—Sets up in business for himself—Industry and energy rewarded—His first order—Sends his clocks South—Enlarges his business—Improvements in his clocks—Losses on southern shipments from dampness—Depression of business—Jerome's anxiety—A wakeful night—Invention of the brass—A new era in the clock trade—Beneficial effects of Jerome's invention—Magnitude of the Connecticut clock trade at present—Growth of Jerome's business—Makes a fortune—Organization of the "Jerome Clock-making Company"—Practical withdrawal of Mr. Jerome—Difficulties of the company—Jerome a ruined man—Honest independence—Finds employment—Becomes the manager of the Chicago Company.


CHAPTER XVII.


ELIAS HOWE, JR.

The first sewing-machine—Birth of Elias Howe—A poor man's son—Raised to hard work—His first employment—The little mill-boy—Delicate health—Goes to Lowell to seek his fortune—Thrown out of employment—Removes to Cambridge—Works in a machine shop with N.P. Banks—Marries—A rash step—Growing troubles—A hard lot—Conceives the idea of a sewing-machine—His first experiments unsuccessful—Invents the lock stitch and perfects the sewing-machine—Hindered by his poverty—A hard struggle—Finds a partner—His winter's task—His attic work-shop—Completion of the model—Perfection of Howe's invention—Efforts to dispose of the invention—Disappointed hopes—Popular incredulity—Becomes an engine driver—Amasa Howe goes to England with the sewing-machine—Bargain with the London merchant—Elias removes to London—Loses his situation—The rigors of poverty—Returns to America—Death of his wife—Fate's last blow—The sewing-machine becomes better known—Adoption by the public—A tardy recognition—Elias Howe sets up in business for himself—Buys out his partner's interest—The sewing-machine war—Rapid growth of the sewing-machine interest—Earnings of the inventor—A royal income—Honors conferred upon him—Enlists in the United States Army—A liberal private—Last illness and death.


CHAPTER XVIII.


RICHARD M. HOE.

Growth of the art of printing—Birth of Richard M. Hoe—Sketch of the career of Robert Hoe—He comes to America—His marriage—Founds the house of "Robert Hoe & Co."—The first steam printing presses—He retires from business—Richard M. Hoe is brought up in the business—The mechanical genius of the house—The new firm—Richard Hoe's first invention—Obtains a patent for it—Visits England—Invents the double-cylinder press—Demand for increased facilities for printing—Mr. Hoe's experiments with his press—His failures—How the "Lightning Press" was invented—A good night's work—Patents his invention—The first "Lightning Press"—Demand for it—Rapid growth of the business of the firm—Statement of the operations of the house—Personal characteristics of Richard M. Hoe—The "Lightning Press" at work.


CHAPTER XIX.


SAMUEL COLT.

Birth and parentage—A restless boy—Dislikes school—Early fondness for mechanical inventions—Is sent to boarding-school—Runs away to sea—The story of a boy's invention, and what came of it—Origin of the revolver—Returns home—His chemical studies—Dr. Coult—The lecturing tour—His success—Completes his design for the revolver—Patents his invention—Visits England—Discovery at the Tower of London—Returns home—Formation of the "Patent Arms Company"—Objections of the officers of the army and navy to the revolver—The Florida War—It is decided by the revolver—Triumph of Col. Colt—Cessation of the demand for arms—Failure of the company—Beginning of the Mexican War—Action of General Taylor—No revolvers to be had—A strange dilemma for an inventor—The new model—Contracts with the Government—Success of the revolver in Mexico—The demand from the frontier—Emigration to California and Australia—Permanent establishment of Col. Colt's business—The improved weapon—Builds a new armory—Description of his works at Hartford—A liberal employer—Other inventions of Col. Colt—His submarine telegraph—His fortune—His marriage—Visits to Europe—Attentions from European dignitaries—Witnesses the coronation of the Emperor of Russia—His last illness and death.


CHAPTER XX.


SAMUEL F.B. MORSE.

Birth—Parentage—Early education—Graduates at Yale College—Becomes an artist—His masters—Visits England—His first attempt—"The Dying Hercules"—Opinion of Benjamin West—Wins the medal of the Adelphi Society of Arts—Ambition as an artist—His cold reception by the Americans—Mr. Tuckerman's comments—Organizes the National Academy of Design—Visits Europe the second time—The homeward voyage in the "Sully"—News of the experiments at Paris with the electro-magnet—How the electric telegraph was invented—Morse is made a professor in the University of New York—Completion of his model—An imperfect telegraph—His first experiments—The duplicate finished—First exhibition of the telegraph—Morse applies for a patent—Visits Europe to introduce his invention—His failure—Seeks aid from Congress—A disheartening effort—A long struggle—Independence of Morse—Despondent at last—A sudden lifting of the cloud—The experimental line—The trial—A curious Cabinet Minister—Success of the telegraph—Establishment of companies in the United States—Professor Morse wins fame and fortune—The telegraph in Europe—Honors at home and abroad—A list of his rewards—Morse originates submarine telegraphy, and predicts the laying of an Atlantic telegraph—Personal characteristics.




IV. PUBLISHERS.


CHAPTER XXI.


JAMES HARPER.

The Brothers Harper—Birth and parentage of James Harper—The Long Island home—James Harper goes to New York—Becomes a "devil"—Winning his way—How he gave his card to a stranger—Arrival of "Brother John"—-Good habits—Sets up for himself—"J. & J. Harper, Printers"—How they started in business—Integrity rewarded—First job—Their first effort at stereotyping—The Harpers become publishers on their own account—Their early ventures—Feeling their way to success—Their publications—Character of their books—How they drove the "yellow covers" out of the market—Their prosperity—Admission of new partners—The great fire—Destruction of the establishment of Harper & Brothers—Energy of the firm—Re-establishment of their business—Their new premises—Description of the buildings—Personal characteristics of Mr. James Harper—Religious life—Liberality of sentiment—His industry—Elected Mayor of New York—Kindness to his operatives—Physical Vigor—"The Lord knows best"—Accident to Mr. Harper and his daughter—His death.


CHAPTER XXII.


JAMES T. FIELDS.

The old "Corner Book-store" in Boston and its associations—Carter & Bendee employ a new clerk—Birth and early life of James T. Fields—His literary talent—Governor Woodbury's advice—Enters mercantile life—Determined to rise—His studies—The result—Associated with Edward Everett at the age of eighteen—His business talent—Steady promotion—Becomes head clerk with Allen & Ticknor—Establishment of the firm of Ticknor & Fields—Success as a publisher—High character of his house—Relations toward authors—Publications of Ticknor & Fields—Removal—Organization of the firm of Fields, Osgood & Co.—The new book-store—An elegant establishment—Mr. Field's literary success—Statement of a friend—"Common Sense"—His contributions to the periodicals of the firm—Travels in Europe—Personal appearance.




V. EDITORS.


CHAPTER XXIII.


JAMES GORDON BENNETT.

Birth—Intended for the Romish priesthood—How he was induced to come to America—Arrival in Halifax—Comes to the United States—What came of a shilling—Employment in Boston—Reaches New York—Attempts to establish a school—Becomes connected with the press—Success of his Washington letters—Services on the "Courier and Inquirer"—Leaves that journal—Removes to Philadelphia—Establishes "The Pennsylvanian"—Ingratitude of his political associates—Returns to New York—Establishment of "The New York Herald"—Early difficulties of that paper, and how Bennett surmounted them—The first "Herald" office—A determined effort to succeed—First numbers of "The Herald"—How one man carried on a newspaper—A lucky hit—The first "money article"—The office burned down—The great fire—Bennett's reports of the disaster—Success of "The Herald"—His first advertising contract—Increasing prosperity—The journal of to-day—How it is conducted—The new "Herald" office—Bennett's pride in his paper—Personal characteristics—His independence.


CHAPTER XXIV.


ROBERT BONNER.

Birth and parentage—Emigration to America—Becomes a printer—A first-class compositor—Engaged upon the "Evening Mirror"—The "Merchant's Ledger"—Bonner purchases the paper, and changes its name to the "New York Ledger"—The new literary journal—Predictions of failure—Bonner confident of success—Engages Fanny Fern to write for him—A handsome price for a story—Wonderful success of the "Ledger"—Skillful advertising—Popularity of the paper—How Bonner silenced the critics—"Edward Everett writes for the 'Ledger'"—How Bonner treats his contributors—"Henry Ward Beecher writes for the 'Ledger'"—Immense circulation of the paper—The new "Ledger" building—Private residence of Mr. Bonner—His stable—His love for horses.




VI. LAWYERS.


CHAPTER XXV.


JOHN MARSHALL.

The model American lawyer—Birth and early life of John Marshall—A devoted father—Early education—The young patriot—Troubles with England—Marshall becomes a soldier—The "Culpepper Minute Men"—Marshall's popularity in the army—Finishes his law studies—His journey from Williamsburg to Philadelphia—Commences the practice of the law—Elected to the Legislature—Establishes himself in Richmond—The power of a powdered wig and velvet coat—Marshall's services in the Virginia Convention of 1798—Becomes the champion of Washington's Administration—Refuses public honors—Is made Minister to France —Public reception in New York—Elected Member of Congress—His memorable speech—Enters the Cabinet of President Adams as Secretary of State—Is made Chief Justice of the United States—His record—His "Life of Washington"—Personal characteristics—His generosity—William Wirt's pen and ink sketch of him—His courtesy and kindness—Fondness for manly sports—The quoit club—How he carried a proud man's turkey home—The supper party—The Chief Justice loses the wager—Mode of traveling on his circuit—The scene at Maguire's Hotel in Winchester, Virginia—The unknown champion of Christianity—A brilliant defense—Last illness and death of Judge Marshall.


CHAPTER XXVI.


JAMES T. BRADY.

Birth and early life—His "big head"—His kindliness of disposition—Enters his father's office to study law—Merry nature—How he studied law—A model for ambitious youths—His father's opinion of him—Admitted to the bar—His first case—The newsboy case—sudden rise in popularity—Practices in the Supreme Court—The India-rubber suit—A compliment from Daniel Webster—Brady's integrity—Professional success and generosity—His readiness in managing his cases—Conduct toward witnesses—His fearlessness—A bold declaration in Tammany Hall—His profound knowledge of his profession—His industry—His disinterested kindness—His humor—Meets his match—Political life—Personal appearance—A genial old bachelor—Literary tastes and labors—His generosity to the poor—Devotion to his relatives—Last appearance in public—Forebodings—Death.




VII. ARTISTS.


CHAPTER XXVII.


BENJAMIN WEST.

A native of Pennsylvania—Circumstances attending his birth—The child of promise—First indications of genius—The baby's portrait—Lessons from the Indians—The box of colors—The truant pupil—The mother's discovery—-West's opinion of his first picture—The little portrait painter—The first attempt at historical painting—"The Death of Socrates"—Choosing a profession—Dedicated to his work—A fighting Quaker—Establishes himself in New York—Visits Europe—Arrival at Rome, and reception there—Visit to the Apollo Belvidere—West's criticism—Travels and labors on the continent—Visits England—His reception there—Urged to stay—Decides to make England his home—Sends for his bride—Marriage—"Agrippina Landing with the Ashes of Germanicus"—Success of the picture—The king becomes his friend—The most famous works of Benjamin West—"The Death of Wolfe"—Reception of the picture by the public—West triumphs over the critics, and inaugurates a new era of historical painting—Death of the king—West is elected President of the National Academy—His resignation and re-election—Closing years of a great career—Personal appearance—Leigh Hunt's description of him—Death—Burial in St. Paul's Cathedral.


CHAPTER XXVIII.


JOHN ROGERS.

Birth—Early years—Begins life as a clerk in a dry goods store—Artistic talent—Opposition of his parents—A change in his plans—Becomes an engineer—Failure of his eyes—Voyage to Spain—Return home—Becomes a machinist—Promoted—Learns to model in clay—Commences his studies in art—A hard life, and a noble perseverance—A change for the better—A sudden reverse—Out of work—Visits Europe to study his art—Returns home in despair—Enters the service of the surveyor of the city of Chicago—His first statuettes—Their success—A new field opened to him—Visits New York, and learns the new method of casting figures—Establishes himself in New York—His first studio—Immediate popularity of his works—Description of them—Removes to a new studio—His later works—Process by which they are made-Originality of the artist rewarded by the public—Personal characteristics.


CHAPTER XXIX.


HIRAM POWERS.

Birth—Juvenile mechanical skill—The life of a Vermont boy—Hard times—Removal of the Powers family to the West—The new farm—Misfortunes never come singly—Breaking up of the household—Hiram's first employment—The reading-room scheme—Hiram becomes a collector of bad debts—Reminiscences of the young West—Powers becomes a mechanic—Story of the brass plates—Rapid promotion—The silver watch—How Hiram purchased it—The Cincinnati Museum—The artist's first lessons in modeling—His first sitter—The trial of skill—The king of the Cannibal Islands—The man-eater—Hiram becomes interested in the museum—How he played the devil in Cincinnati—A dishonest employer—Mr. Longworth's offer—Powers goes to Washington—His success there—Visit to "Old Hickory"—The first critic—Kindness of Senator Preston—Powers goes to Italy—Arrival in Florence—His first works in Italy—Visit to Thorwaldsen—Works of Powers—His rapid success—His life in Italy—Views of Mr. Powers respecting an artist life—Personal characteristics—Popularity with artists.


CHAPTER XXX.


EMMANUEL LEUTZE.

An American by adoption—Early life and education—How he learned to draw—Becomes an artist—His first picture—The evils of too much haste—His first professional engagement—Despondency—A ramble through the Virginia woods, and what came of it—A friend in need—Greater success—Friendship of Mr. Carey—Leutze goes to Europe—Studies at Dusseldorf-His reception there—Becomes Lessing's pupil—His first picture finds a purchaser—Travels and studies in Europe—Returns to Dusseldorf, marries, and makes his home in that place—His paintings—Returns to New York—Success in America—The Government commission—Journey to the Rocky Mountains—The great fresco in the Capitol—"Westward the Star of Empire takes it Way"—Revisits Dusseldorf—Reception by the artists—Returns to the United States—Further commissions from the Government—His sudden death—His unfinished works—Mr. Tuckerman's remarks.




VIII. DIVINES.


CHAPTER XXXI.


HENRY WARD BEECHER.

A Connecticut boy—The minister's family—A gloomy childhood—Ma'arm Kilbourn's school—The loss of his curls—The dull boy—A bad voice for an orator—His first religious impressions—Aunt Esther—The Sunday catechism—Sent to boarding school—Love of nature—Enters his sister's school—The hopeless case—An inveterate joker and an indifferent scholar—Removal to Boston—Gets through the Latin school—The sea-going project—Dr. Beecher's ruse—Life at Mount Pleasant—Conquers mathematics—Embraces religion at a revival—Resolves to become a minister—Removal to Cincinnati—Course at the Lane Seminary—How he learned to preach—Marries—His first charge—Life at Lawrenceburg—Removal to Indianapolis—Life in the West—His popularity—His theory of preaching and its success—Conversion of his brother—Mr. Beecher accepts a call to Plymouth Church in Brooklyn—Political record—Literary labors—Pastoral work—A large audience—Government of Plymouth Church—Description of the edifice—The congregation—The services—Mr. Beecher as a preacher—Sympathy between the pastor and his hearers—His ideas of religion—How he prepares his sermons—His prayers unstudied—The social receptions—The Friday evening meeting—A characteristic scene—Labors during the war—Visit to Europe—An unpopular sermon in a good cause—Personal characteristics.


CHAPTER XXXII.


PETER CARTWRIGHT.

Birth—Removal to Kentucky—"Rogue's harbor"—Condition of the country and the people—Frontier life—Early life of a preacher—Becomes a Christian—His account of his conversion—Is made an exhorter in the Methodist Church—Removal to Lewiston County—Begins preaching—Qualifications of a backwoods preacher—His energy—The jerks—How Peter frightened a bully—A brimstone angel—Enters the ministry—Appointed to the Marietta Circuit—A good school—Hard times—Marries—Quiet heroism—How the old-time people married—His devotion to the Methodist Church—Troubles with other denominations—How he argued with a Universalist—How he met a wrathful dame—Encounter with a Baptist preacher—Adventure with Father Teel—Taming a shrew—Removal to Illinois—His reasons for taking that step—Death of his daughter—Arrival at his new home—Life on the frontier—A large district—The Methodist circuit riders of sixty years ago—Perils of frontier traveling—Success of Cartwright's ministry—How he was superannuated—His courage—How he cleared a camp of rowdies—Encounter on a ferry-boat—Frightens a bully—Advocates temperance—A practical joke—Is elected to the Legislature—His opinion of politics—How he raised the devil—"Another sinner down"—Missionaries from the East—Indignation of the backwoods preacher—The proposed mission to New England—Cartwright declines it—He visits Boston—His reception—How he preached for Father Taylor—Summing up—Sixty-seven years of a preacher's life.




IX. AUTHORS.


CHAPTER XXXIII.


HENRY W. LONGFELLOW.

Birth and early life—The old house by the sea—College life—Early literary productions—Becomes a professor in Bowdoin College—Travels in Europe—Marriage—Literary labors—"Outre Mer"—Is made a professor in Harvard College—His second visit to Europe—Death of his wife—Goes to live in the Craigie House—Historical associations—Washington's headquarters—A congenial home—Literary labors—"Hyperion"—Great popularity of the book—"Voices of the Night"—"The Spanish Student"—Mr. Longfellow buys the Craigie House—Summary of his works—The "Song of Hiawatha"—Death of Mrs. Longfellow—Mr. Longfellow again visits Europe—His popularity with the English-speaking race—Cause of his popularity—"Resignation"—Scene from "The Golden Legend"—The poet's home.


CHAPTER XXXIV.


NATHANIEL HAWTHORNE.

The Hawthornes of Salem—A sea-going race—Birth of Nathaniel Hawthorne—A sad home—Early life—His college days—Longfellow's recollection of him—Returns home—The young recluse—Literary efforts—"Twice-Told Tales"—"The most unknown author in America"—Enters the Boston Custom House—His duties—Popularity with the sailors—Loses his office—Becomes a member of the Brook Farm Community—Marries and goes to live at Concord—"The Old Manse"—Life at Concord—Curiosity of the village people—"Mosses from an Old Manse"—Hawthorne's visitors—Hawthorne and his friends—George William Curtis' recollections—Removes to Salem—Is made surveyor of that port—"The Scarlet Letter"—Removal to the Berkshire Hills—"The House of the Seven Gables"—Returns to Concord—"Life of Franklin Pierce"—Is made Consul to Liverpool—-Life abroad—Depressed by the war—Moncure D. Conway's recollections—Juvenile works—Death of Mr. Ticknor—Effect upon Hawthorne—Goes traveling with Ex-President Pierce—Sudden death of Hawthorne—Burial at Concord.




X. ACTORS.


CHAPTER XXXV.


EDWIN BOOTH.

The elder Booth—His success as an actor—His sons—Birth of Edwin Booth—Early life—Brought up on the stage—Admiration for his father—Travels with him—First appearance—Appears frequently with his father—Plays Richard III. in New York—A bold venture—Learns the details of his profession—Visits Australia and the Sandwich Islands—Re-appearance in New York in 1857—Recollections of him at that time—His labors in his profession—Successful tours throughout the country—Visits England—Appears at the Haymarket Theater in London—Studies on the continent—Appearance at the Winter Garden—The Shakespearian revivals—Destruction of the Winter Garden by fire—Loss of Mr. Booth's theatrical wardrobe—Popular sympathy—The new theater—Opening of the building—Description of Booth's Theater—A magnificent establishment—A splendid stage—Novel mode of setting the scenes—Magnificent mounting of the plays produced there—Mr. Booth's performances—Personal—Genius as an actor—Beneficial influence upon the drama.


CHAPTER XXXVI.


JOSEPH JEFFERSON.

The Jefferson family—A race of actors—Jefferson the first—"Old Jefferson"—Jefferson the third—Birth of Joseph Jefferson—Childhood—Brought up on the stage—Olive Logan's reminiscence—First appearance in public—Early training—Career as a stock actor—Becomes a "star"—His success—Visits Australia, the player's El Dorado—Pecuniary success of Jefferson in Australia—His merits as an actor—Visits England—First appearance at the Adelphi Theater—"Our American Cousin"—Production of Rip Van Winkle—Makes the part his specialty—Description of his performance of Rip Van Winkle—Personal characteristics—Devotion to his profession—Love of art—A capital sportsman—Buys a panorama—A visit to John Sefton—"The Golden Farmer"—Private life.




XI. PHYSICIANS.


CHAPTER XXXVII.


BENJAMIN RUSH.

Birth and early life—Adopts medicine as a profession—Studies in Europe—Returns home, and is made a professor in the Philadelphia Medical College—Political career—Elected to the Provincial Conference of Pennsylvania—Action with respect to the independence of the colonies—Elected to the Continental Congress—Signs the Declaration of Independence—Marriage—Is made Surgeon-General of the army—Becomes Physician-General—Troubles—Resigns his commission—Letters to the people of Pennsylvania—Services in the State conventions—Resumes his practice in Philadelphia—Plans the Philadelphia Dispensary—Resumes his professor's chair—The yellow fever in Philadelphia—A scene of terror—"The Hundred Days"—Dr. Rush's treatment of the disease—Opposition of the Faculty—Success of Rush's treatment—Testimony of Dr. Ramsay—Suit for damages—Dr. Rush's services during the fever—Reminiscences—Honors from European sovereigns—Is made Treasurer of the United States Mint—Literary labors—Zeal in behalf of Christianity—His connection with the Bible Society—Death.


CHAPTER XXXVIII.


VALENTINE MOTT.

Birth—Early life—Enters Columbia College—His medical studies—Continues his studies in Europe—Great surgical genius—His early success as an operator—Returns home—Is made Professor of Surgery in Columbia College—His career and success as a teacher—Introduces the system of clinical instruction—Difficulty of procuring "subjects" for dissection—Desperate expedients—midnight adventure—A ready rebuke—Success and skill as a surgeon—Tribute from Sir Astley Cooper—A wonderful operation—Sketch of his original operations—His mode of operating—Careful preparation—Success as a physician—A progressive mind—Professional honors—Visits Europe—Reception abroad—Operates upon the Sultan of Turkey—A cool proposition—Personal—His last illness and death—"President Lincoln murdered."





GIRARD COLLEGE


I.    MERCHANTS.


CHAPTER I.

STEPHEN GIRARD.


One May morning, in the year 1776, the mouth of the Delaware Bay was shrouded in a dense fog, which cleared away toward noon, and revealed several vessels just off the capes. From one of these, a sloop, floated the flag of France and a signal of distress. An American ship ran alongside the stranger, in answer to her signal, and found that the French captain had lost his reckoning in a fog, and was in total ignorance of his whereabouts. His vessel, he said, was bound from New Orleans to a Canadian port, and he was anxious to proceed on his voyage. The American skipper informed him of his locality, and also apprised him of the fact that war had broken out between the colonies and Great Britain, and that the American coast was so well lined with British cruisers that he would never reach port but as a prize. "What shall I do?" cried the Frenchman, in great alarm. "Enter the bay, and make a push for Philadelphia," was the reply. "It is your only chance."

The Frenchman protested that he did not know the way, and had no pilot. The American captain, pitying his distress, found him a pilot, and even loaned him five dollars, which the pilot demanded in advance. The sloop got under weigh again, and passed into the Delaware, beyond the defenses which had been erected for its protection, just in time to avoid capture by a British war vessel which now made its appearance at the mouth of the bay. Philadelphia was reached in due time, and, as the war bade fair to put an end to his voyages, the captain sold the sloop and her cargo, of which he was part owner, and, entering a small store in Water Street, began the business of a grocer and wine-bottler. His capital was small, his business trifling in extent, and he himself labored under the disadvantage of being almost unable to speak the English language. In person he was short and stout, with a dull, repulsive countenance, which his bushy eyebrows and solitary eye (being blind in the other) made almost hideous. He was cold and reserved in manner, and was disliked by his neighbors, the most of whom were afraid of him.

This man was Stephen Girard, who was afterward destined to play so important a part in the history of the city to which the mere chances of war sent him a stranger.

He was born at Bordeaux, in France, on the 21st of May, 1750, and was the eldest of the five children of Captain Pierre Girard, a mariner of that city. His life at home was a hard one. At the age of eight years, he discovered that he was blind in one eye, and the mortification and grief which this discovery caused him appear to have soured his entire life. He afterward declared that his father treated him with considerable neglect, and that, while his younger brothers were sent to college, he was made to content himself with the barest rudiments of an education, with merely a knowledge of reading and writing. When he was quite young, his mother died, and, as his father soon married again, the severity of a step-mother was added to his other troubles. When about thirteen years of age, he left home, with his father's consent, and began, as a cabin-boy, the life of a mariner. For nine years he sailed between Bordeaux and the French West Indies, rising steadily from his position of cabin-boy to that of mate. He improved his leisure time at sea, until he was not only master of the art of navigation, but generally well informed for a man in his station. His father possessed sufficient influence to procure him the command of a vessel, in spite of the law of France which required that no man should be made master of a ship unless he had sailed two cruises in the royal navy and was twenty-five years old. Gradually Girard was enabled to amass a small sum of money, which he invested in cargoes easily disposed of in the ports to which he sailed. Three years after he was licensed to command, he made his first appearance in the port of Philadelphia. He was then twenty-six years old.

From the time of his arrival in Philadelphia he devoted himself to business with an energy and industry which never failed. He despised no labor, and was willing to undertake any honest means of increasing his subsistence. He bought and sold any thing, from groceries to old "junk." His chief profit, however, was in his wine and cider, which he bottled and sold readily. His business prospered, and he was regarded as a thriving man from the start.

In July, 1777, he married Mary Lum, a servant girl of great beauty, and something of a virago as well. The union was an unhappy one, as the husband and wife were utterly unsuited to each other. Seven years after her marriage, Mrs. Girard showed symptoms of insanity, which became so decided that her husband was compelled to place her in the State Asylum for the Insane. He appears to have done every thing in his power to restore her to reason. Being pronounced cured, she returned to her home, but in 1790 He was compelled to place her permanently in the Pennsylvania Hospital, where, nine months after, she gave birth to a female child, which happily died. Mrs. Girard never recovered her reason, but died in 1815, and was buried in the hospital grounds.

Girard fled from Philadelphia, with his wife, in September, 1777, at the approach of the British, and purchased a house at Mount Holly, near Burlington, New Jersey, where he carried on his bottling business. His claret commanded a ready sale among the British in Philadelphia, and his profits were large. In June, 1778, the city was evacuated by Lord Howe, and he was allowed to return to his former home.

Though he traded with the British, Girard considered himself a true patriot, as indeed he was. On the 27th of October, 1778, he took the oath of allegiance required by the State of Pennsylvania, and renewed it the year following. The war almost annihilated the commerce of the country, which was slow in recovering its former prosperity; but, in spite of this discouraging circumstance, Girard worked on steadily, scorning no employment, however humble, that would yield a profit. Already he had formed the plans which led to his immense wealth, and he was now patiently carrying out the most trying and disheartening preliminaries. Whatever he undertook prospered, and though his gains were small, they were carefully husbanded, and at the proper time invested in such a manner as to produce a still greater yield. Stephen Girard knew the value of little things, and he knew how to take advantage of the most trifling circumstance. His career teaches what may be done with these little things, and shows how even a few dollars, properly managed, may be made to produce as many thousands.

In 1780, Mr. Girard again entered upon the New Orleans and St. Domingo trade, in which he was engaged at the breaking out of the Revolution. He was very successful in his ventures, and was enabled in a year or two to greatly enlarge his operations. In 1782, he took a lease of ten years on a range of frame buildings in Water Street, one of which he occupied himself, with the privilege of a renewal for a similar period. Rents were very low at that time, as business was prostrated and people were despondent; but Girard, looking far beyond the present, saw a prosperous future. He was satisfied that it would require but a short time to restore to Philadelphia its old commercial importance, and he was satisfied that his leases would be the best investment he had ever made. The result proved the correctness of his views. His profits on these leases were enormous.

About this time he entered into partnership with his brother, Captain John Girard, in the West India trade. But the brothers could not conduct their affairs harmoniously, and in 1790 the firm was dissolved by mutual consent. Stephen Girard's share of the profits at the dissolution amounted to thirty thousand dollars. His wealth was greatly increased by a terrible tragedy which happened soon afterward.

At the outbreak of the great insurrection in St. Domingo, Girard had two vessels lying in one of the ports of that island. At the first signal of danger, a number of planters sent their valuables on board of these ships for safe-keeping, and went back to their estates for the purpose of securing more. They never returned, doubtless falling victims to the fury of the brutal negroes, and when the vessels were ready to sail there was no one to claim the property they contained. It was taken to Philadelphia, and was most liberally advertised by Mr. Girard, but as no owner ever appeared to demand it, it was sold, and the proceeds—about fifty thousand dollars—turned into the merchant's own coffers. This was a great assistance to him, and the next year he began the building of those splendid ships which enabled him to engage so actively in the Chinese and East India trades.

His course was now onward and upward to wealth. At first his ships merely sailed between Philadelphia and the port to which they were originally destined; but at length he was enabled to do more than this. Loading one of his ships with grain, he would send it to Bordeaux, where the proceeds of her cargo would be invested in wine and fruit. These she would take to St. Petersburg and exchange for hemp and iron, which were sold at Amsterdam for coin. From Amsterdam she would proceed to China and India, and, purchasing a cargo of silks and teas, sail for Philadelphia, where the final purchase was sold by the owner for cash or negotiable paper. His success was uniform, and was attributed by his brother merchants to luck.

Stephen Girard had no faith in luck. He never trusted any thing to chance. He was a thorough navigator, and was perfect master of the knowledge required in directing long voyages. He understood every department of his business so well that he was always prepared to survey the field of commerce from a high stand-point. He was familiar with the ports with which he dealt, and was always able to obtain such information concerning them as he desired, in advance of his competitors. He trusted nothing of importance to others. His instructions to the commanders of his ships were always full and precise. These documents afford the best evidence of the statements I have made concerning his system, as the following will show: