When the man so helped has money again, depend upon it that a portion will be spent across the bar of the saloon-keeper who befriended him.
Why, I recollect the early days of my writing career, when the small sums of money I earned from the magazines came with tragic irregularity, while at the same time I was staggering along with a growing family--a wife, children, a mother, a nephew, and my Mammy Jennie and her old husband fallen on evil days.

There were two places at which I could borrow money; a barber shop and a saloon.

The barber charged me five per cent.
per month in advance.

That is to say, when I borrowed one hundred dollars, he handed me ninety-five.

The other five dollars he retained as advance interest for the first month.