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Hodge and His Masters

Chapter 5 THE BORROWER AND THE GAMBLER

Word Count: 5727    |    Released on: 30/11/2017

armers, one standing on the sward by the roadside, and the other talking to him over the low ledge, as a gentleman drove by in a Whitechapel dog-cart, groom b

doos. It is a crime to move out of the original groove; if a man be lowly he must remain lowly, or never be forgiven. The lapse of time makes not the least difference. If it takes the man thirty years to get into a fair position he is none the less guilty. A period equal to

igh-stepper, such as are not to be bought for a song; the turn-out was at the first glance perfect. But if you looked keenly at the groom, there was a suspicion of the plough in his face and attitude. He did not sit like a man to the manner born. He was lumpy; he lacked the light, active style characteristic of the thoroughbred groom, who is as distinct a breed as the thoroughbred horse. The man looked as if he had been taken from the plough and was conscious of

emed so unnatural, so opposite to the old ideas and ways, that a man should take no apparent interest in his own farm. They said that Frank was nothing of a farmer; he knew nothing of farming. They looked at his ricks; they were badly built, and still worse thatched. They examined his meadows, and saw wisps of hay lying about, evidence of neglect; the

any local movement was in progress-and could not understand why he was put up there to address the audience, unless it was for his infinite brass. The language he employed was rude, his sentences disjointed, his meaning incoherent; but he had a knack of an apropos jest, not always altogether savoury, but which made a mixed a

atures were flat, and the skin much wrinkled; there seemed nothing in his countenance to recommend him to the notice of the other s

isian belle, and not without pretensions to beauty, was seen at balls, parties, and every other social amusement. She seemed to have the entrée everywhere in the county. All this greatly upset and troubled the old folk, whose heads Frank looked over as he carelessl

. Perhaps this was learnt while assisting his father to drive other folks' pigs to market. At all events, there was no man in the county who so completely understood cattle and sheep, for buying and selling purposes, as Frank. At first he gained his reputation by advising others what and when to buy; by degrees, as people began to see that he was always right, they felt confidence in him, and assisted him to make small investments on his own account. There were then

n as Frank's judgment of cattle. He helped Frank to get into a large farm, advancing the money with which to work it. He ran no risk; for, of course, he had Frank tight in the grasp of his legal fist, and he was the agent for the landlord. The secret was this-the lawyer paid his clients four per cent, for the safe investment of their money. Frank had the money, worked a large farm with it, and speculated

his hundred or two hundred pounds he is quite helpless. It has very likely occupied him the best part of his lifetime to add one five-pound note to another, money most literally earned in the sweat of his brow; and at last he lends it to a man like Frank, who has t

rnestly besought him in vain to return them five hundred of their thousand. In like manner one or two elderly ladies-cunning as magpies in their own conceit-let him have a few spare hundreds. They thought they could lay out this money to better advantage than the safe family adviser 'uncle John,' with his

to the soil. He was not so foolish as to think that Frank was a safe man, and of course he had legal advice upon the matter. The squire thought, in fact, that although Frank himself had no money, Frank could get it out of others, and spend it upon his place. It did not conc

front, he was invited to the houses of really well-to-do country people. They condoned his bluff manners-they were the mark of the true, solid British agriculturist. Some perhaps in their hearts thought that another day they might want a tenant, and this man would serve their turn. As a matter of fact, Frank took every unoccupied farm which he could get at a tolerably reasonable rent. He never seemed satisfied with the acreage he held, but was ever desirous of extending it. He took farm after farm, till at last he held an area equal t

The bank was glad to get hold of what really looked like legitimate business, and he obtained the bagatelle in the easiest manner-so easily that it surprised him. He did not himself yet quite know how completely his showy style of life, his large acreage, his speeches, and polit

ned, was something like this. He took a loan (or renewed an old one) at the bank on the security of the first draught of lambs for sale, say, in June. This paid the labourers and the working expenses of the hay harvest, and of preparing for the corn. He took the next upon the second draught of lambs in August, which paid the reapers. He took a third on the security of the crops, partly cut, or in process of cutting, for his Michaelmas rent. Then for

It is all loans and debt. The vendors of artificial manure are said not to be averse sometimes to make an advance on reasonable terms to those enterprising and deserving farmers who grow so many tons of roots, and win the silver cups, and so on, for the hugest mangold grown with their particular manure. The proprietors of the milk-walks in London are said to advance money to the struggling dairymen who send them their milk. A

ny of them hardly able to pay their rents. Those who have not seen it cannot imagine what a struggle and competition has been going on in little places where one would think the very word was unknown, just to persuade the farmer and the farmer's family to

ber. They have always been used to a year's credit at least-often two, and even three. To be threatened with public exposure in the County Court because a little matter of five

ntly whispered that Frank is the only man really safe, for the following reason-they are all 'in' so deep they find it necessary to keep him going. The squire is 'in,' the bank is 'in,' the lawyer is 'in,' the small farmers with two hundred pounds capital are 'in,' and the elderly ladies who took their bank-notes out of their tea-caddies are 'in.' That is to say, Mr. Frank owes them so much money that, rather than he should come to grief

ulturist; he'll tell you all about it.' Everybody repeats the same story, and once Mr. X--'s name is started everybody talks of him. The squire, the clergyman-even in casually calling at a shop in the market town, or at the hotel (there are few

g the parterres and shrubberies, the rhododendrons, the cedar deodaras, the laurels, the pampas grass, the 'carpet gardening' beds, and the glass of distant hothouses glittering in the sun. A carriage and pair, being slowly driven by a man in livery from the door down to the extensive stabling, passes-clearly some of the family have j

Mr. X-- comes briskly in, and laughs all apology about intrusion to the winds in his genial manner. He insists on his friends taking some refreshment, will not take refusal; and such is the power of his vivacity, that they find themselves sipping Madeira and are pressed to come and dine in the evening, before one at least knows exactly where he is. 'Just a homely spr

about anything, it was his accounts. Not a word could be got out of him of profit or loss, or revenue: he would barely tell you hi

al locality-no scope, sir, no expansion. Now my plan is-invest every penny. Make every shilling pay for the use of half a crown, and turn the half-crown into seven and sixpence. Credit is the soul of business. There you have it. Simplicity itself. Here are the books; see for yourself. I publish my balance half-yearly-like a company. Then the public see what you are doing. The earth, sir, as I said at

l, thin farmer, a brown face and neck, long restless sinewy hands, perpetually twiddling with a cigar or a gold pencil-case-generally the cigar, or rather the extinct stump of it, which he every now and then sucks abstractedly, in total oblivion as to its condition. His dress would pass muster in towns-well cu

tor, handing back No 6 B; 'may I i

Great nuisance that, sir; transit, you see, costs money. City gentlemen know that. Absurd system in this country-the land parcelled out in little allotment gardens of two or three hundred acres. Why, there's a little paltry hundred and twen

the catalogues have it; handsome hunters paraded, steam-engines pumping water, steam-engines slicing up roots, distant columns of smoke where steam-engines are tearing up the soil. All the while a scientific disquisition on ammonia and the constituent parts and pro

n to arrange his ideas, and to come slowly to the opinion that though Mr. X-- is as open as the day and frank to a fault, it w

ody. He has actually been making use of you, his casual and unexpected visitor, as an instrument. You are certain to talk about him; the more he is talked of the better, it gives him a reputation, which is beginning to mean a great dea

ition. He goes to London as the representative of the local agricultural chamber; perhaps waits upon a Cabinet Minister as one of the deputation. He speaks regularly at the local chamber meetings; his name is ever in the papers. The press are invited to inspect his farms, and are furnish

good word freely. He hunts, and is a welcome companion-the meet frequently takes place at his house, or some of the huntsmen call for lunch; in fact, the latter is an invariable thing. Everybody calls for lunch who happens to pass near any day; the house has a reputation for hospitality. He is the clergyman's right hand-as in managing the school committee. When the bishop comes to t

failure should the strain of depression become too severe. Personal popularity, however, will tide him over a great deal. When a man is spoken highly of by gentry, clergy, literally everybody, t

dispose of them at a profit. If he chose, he could explain to you the meaning of contango, and even of that mysterious term to the uninitiated, 'backwardation.' His speculations for the 'account' are sometimes heavy. So

row on that security. The local bankers shake their heads-three cases of rinderpest are equivalent to a reduction of 25 per cent. in the borrowing power of the agriculturist. The auctioneers and our friends have large transactions-'paper' here again. With certain members of the hunt he

nvestments and speculations, his brow never wears that sombre aspect of gloomy care, that knitted concentration of wrinkles seen on the face of the City man, who goes daily to his 'office.' The out-of-door bluffness, th

and payments assist to keep up the free and generous table, and who find farming a very pleasant profession. The most striking character

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