Because you have got a start, you think you are quite a merchant; look out, or you will lose your head--go steady." These intimate conversations with myself, I am sure, had a great influence on my life.

I was afraid I could not stand my prosperity, and tried to teach myself not to get puffed up with any foolish notions.
My loans from my father were many.

Our relations on finances were a source of some anxiety to me, and were not quite so humorous as they seem now as I look back at them.

Occasionally he would come to me and say that if I needed money in the business he would be able to loan some, and as I always needed capital I was glad indeed to get it, even at 10 per cent.interest.Just at the moment when I required the money most he was apt to say: "My son, I find I have got to have that money." "Of course, you shall have it at once," I would answer, but I knew that he was testing me, and that when I paid him, he would hold the money without its earning anything for a little time, and then offer it back later.

I confess that this little discipline should have done me good, and perhaps did, but while I concealed it from him, the truth is I was not particularly pleased with his application of tests to discover if my financial ability was equal to such shocks.
INTEREST AT 10 PER CENT.
These experiences with my father remind me that in the early days there was often much discussion as to what should be paid for the use of money.