When he retired from active business, he settled at Bonnydale on the Hudson.
His brother had been less successful as a business-man, and soon after his marriage to a Northern lady he had purchased a plantation in Alabama, where both of his children had been born, and where he was a man of high standing, with wealth enough to maintain his position in luxury, though his fortune was insignificant compared with that of his brother.
Between the two brothers and their families the most kindly relations had always existed; and each made occasional visits to the other, though the distance which separated them was too great to permit of very frequent exchanges personally of brotherly love and kindness.
Possibly the fraternal feeling which subsisted between the two brothers had some influence upon the opinions of Horatio, for to him hostilities meant making war upon his only brother, whom he cherished as warmly as if they had not been separated by a distance of over a thousand miles.
He measured the feelings of others by his own; and if all had felt as he felt, war would have been an impossibility, however critical and momentous the relations between the two sections.
Though his father had been born and bred in England, Horatio was more intensely American than thousands who came out of Plymouth Rock stock; and he believed in the union of the States, unable to believe that any true citizen could tolerate the idea of a separation of any kind.
The first paper which Captain Passford read on the deck of the Bellevite contained the details of the bombardment and capture of Fort Sumter; and the others, a record of the events which had transpired in the few succeeding days after the news of actual war reached the North.
This terrible intelligence was unexpected to the owner of the yacht, believing, as he had, in the impossibility of war; and it seemed to him just as though he and his cherished brother were already arrayed against each other on the battle-field.
The commotion between the two sections had begun before his departure from home on the yacht cruise, but his brother, perhaps because he was fully instructed in regard to the Union sentiment of Horatio, was strangely reticent, and expressed no opinions of his own.
But Captain Passford, measuring his brother according to his own standard, was fully persuaded that Homer was as sound on the great question as he was himself, though the excitement and violence around him might have caused him to maintain a neutral position.
Certainly if the Northern brother had anticipated that a terrible war was impending, he would not have permitted his daughter Florence, a beautiful young lady of seventeen, to reside during the winter in a hot-bed of secession and disunion.

The papers informed him what had been done at the North and at the South to initiate the war; and the thought that Florry was now in the midst of the enemies of her country was agonizing to him.
Though he felt that his country demanded his best energies, and though he was ready and willing to give himself and his son to her in her hour of need, he felt that his first duty was to his own family, within reasonable limits; and his earliest thoughts were directed to the safety of his daughter, and then to the welfare of his brother and his family.
"War!" exclaimed Mrs.Passford, when her husband had announced so briefly the situation which had caused such intense agitation in his soul.

"What do you mean by war, Horatio ?" "I mean all that terrible word can convey of destruction and death, and, worse yet, of hate and revenge between brothers of the same household!" replied the husband impressively.

"Both the North and the South are sounding the notes of preparation.

Men are gathering by thousands on both sides, soon to meet on fields which must be drenched in the gore of brothers." "But don't you think the trouble will be settled in some way, Horatio ?" asked the anxious wife and mother; and her thoughts, like those of her husband, reverted to the loving daughter then in the enemy's camp.
"I do not think so; that is impossible now.