[The Monikins by J. Fenimore Cooper]@TWC D-Link book
The Monikins

CHAPTER I
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This trade was of immense advantage to the future prosperity of the young adventurer; for, in addition to the known fact that they who amuse are much better paid than they who instruct their fellow-creatures, his situation enabled him to study those caprices of men, which, properly improved, are of themselves a mine of wealth, as well as to gain a knowledge of the important truth that the greatest events of this life are much oftener the result of impulse than of calculation.
I have it by a direct tradition, orally conveyed from the lips of my ancestor, that no one could be more lucky than himself in the character of his master.

This personage, who came, in time, to be my maternal grandfather, was one of those wary traders who encourage others in their follies, with a view to his own advantage, and the experience of fifty years had rendered him so expert in the practices of his calling, that it was seldom he struck out a new vein in his mine, without finding himself rewarded for the enterprise, by a success that was fully equal to his expectations.
"Tom," he said one day to his apprentice, when time had produced confidence and awakened sympathies between them, "thou art a lucky youth, or the parish officer would never have brought thee to my door.

Thou little knowest the wealth that is in store for thee, or the treasures that are at thy command, if thou provest diligent, and in particular faithful to my interests." My provident grandfather never missed an occasion to throw in a useful moral, notwithstanding the general character of veracity that distinguished his commerce.

"Now, what dost think, lad, may be the amount of my capital ?" My ancestor in the male line hesitated to reply, for, hitherto, his ideas had been confined to the profits; never having dared to lift his thoughts as high as that source from which he could not but see they flowed in a very ample stream; but thrown upon himself by so unexpected a question, and being quick at figures, after adding ten per cent.

to the sum which he knew the last year had given as the net avail of their joint ingenuity, he named the amount, in answered to the interrogatory.
My maternal grandfather laughed in the face of my direct lineal ancestor.
"Thou judgest, Tom," he said, when his mirth was a little abated, "by what thou thinkest is the cost of the actual stock before thine eyes, when thou shouldst take into the account that which I term our floating capital." Tom pondered a moment, for while he knew that his master had money in the funds, he did not account that as any portion of the available means connected with his ordinary business; and as for a floating capital, he did not well see how it could be of much account, since the disproportion between the cost and the selling prices of the different articles in which they dealt was so great, that there was no particular use in such an investment.


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