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 crease his modest fortune of $500,000 by speculating on the Stock Exchange, had it not been for a fortunate meeting with a barber in Nassau Street.

This barber, whose Christian name was Walter, was, indeed, a mine of suggestion and information of all sorts. And being a good-natured fellow, who wished the world well, Walter delighted to impart his original ideas and the fruits of his observation to his patrons while shaving them. Some of these received his remarks coldly, it is true, but Walter was so charged with a sense of friendliness towards all mankind that he was never daunted for long by a rebuff.

His interests were wide and varied; Walter found no difficulty in talking pleasantly upon any subject; he could touch it lightly, or deal with it in a more serious vein, as the mood of his customer seemed to require; and he had the art of making deft and rapid transitions from topic to topic. But there were two things in particular concerning which Walter had thought deeply: racehorses and the stock market.

It was the settled grief of Walter's life that he had never been able to persuade any person with