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    The intercourse with Great Britain was also much reduced. Still, there was a large stock of foreign goods in the country, and as the Americans had of late indulged quite freely in overtrading, the real distress inflicted was much less than so considerable a suspension of outward trade might be supposed to have occasioned. The explosion which the course of circumstances rendered inevitable, occurred upon the landing at Boston of the first cargo of stamped paper.

    It was a part of the new arrangem ent th a t the paper used should be all of British manufacture, and that the stamps should be affixed in England. An immense quantity had accordingly been prepared at great expense to the royal treasury. On the 26th another such assemblage destroyed the houses of the Registrar-deputy and the Controller of the Customs.

    In other places it was destroyed or reshipped to England, and popular indignation compelled the stamp distributors everywhere to resign. There was much less fortitude, as a whole, than in the Congress of , and the tone of the meeting was quite below the spirit of the people.

    But the colonies believed they were taxed in their full proportion, without affording direct aid to the home government in any shape. The ministry was at this time anxious to compromise the quarrel upon the above principle, and inquired of the agents the prospect of such accommodation. The latter replied simply that they were instructed to oppose any impost whatever by Parliament.

    The Congress entertained the same view with the people and their agents on this point. These proceedings were approved of by all the members, though somewhat doubtingly by a part, excepting only Buggies, of Massachusetts, the President of the body, and Ogden, of New Jersey. The first of November arrived, and the stamp act became a nominal law. But out of all the cargoes of stamped paper sent over, not a sheet was to be found, it all having been burned by the mobs, or sent back to England, excepting the small parcel deposited with the magistrates of New York, in whose hands the condition of its being unused was the only pledge of its safety.

    As no vessels sailed, the rivers and harbors partook the barren and lifeless aspect of the towns. The flags of the shipping w-ere displayed at half-mast, and everywhere, by preconcerted arrangement, appeared the signs of universal mourning. For a while the general stagnation continued. Such unnatural quiet could not long endure. It was deemed better to incur the risk of whatever penalty of confiscation, imprisonment, or other pains might be involved, than to endure this oppressive inaction.

    People were timorous at first, but by degrees, the wheels of society were again set in motion, and business resumed its old course, as if there had been nothing to interrupt it. The stamp act was an utter nullity. The renewal of commercial operations did not, of course, extend to the intercourse with Great Britain. The continued suspension of trade with that quarter was a matter of necessity, to a considerable extent, rather than of mere choice, as our historians represent it. No American vessel, with shipping articles, invoices, and other customary documents, executed upon unstamped paper, could dare appear in any port of Great Britain; nor, on the other hand, would any British vessel dare co-operate with the Americans in the violation of a statute of the realm.

    Had the Americans been free to mark out the channels of their trade, they would hardly have admitted the policy of an effort so inconveniencing themselves merely to retaliate upon England for a law that had been already nullified.

    Although England might suffer some loss from the irregularity of a Commerce under the present state of things, the great burden of disadvantage would rest upon the colonies, whose shipping must in great part be superseded.

    Commerce was always, in those days, regarded as next to the cultivation of the soil, the perm anently leading interest of the colonies, and its protection and encouragement were ever the great aims of colonial policy. The entire aspect of the measure was, therefore, commercial. It was simply a scheme to force England to re-establish a fair and reciprocal Commerce — a device for rescuing the colonial marine from destruction. For this object only was it of any concern to force the repeal of an act of which the legitim ate operation had been already completely defeated.

    The substance of the interdict was, th a t no new orders should be sent to G reat B rita in ; th a t all orders hitherto issued, for whatever kind of goods, should be countermanded in regard to all goods not shipped before the first day of January, ; and th a t no goods should be received on commission which were consigned after th a t day.

    The measure was to continue in force until the repeal of the stamp act should occur. The prohibition did not, however, extend to any of the British colonies, or to the important dependency of Ireland. From the latter were imported such articles as they could not well do without or obtain elsewhere, the return for which was in flaxseed and hempseed mainly.

    The American troubles, therefore, proved of some utility to Ireland. Liberal encouragement was also held out for the emigration to the colonies of skillful mechanics and manufacturers from England and other countries, of whom a number came over, although the state of things was too unsettled, and the. A very respectable suecess attended the attempts in the production of cloths; and the public were offered American Scythes, Hoes, Spades, Axes, Culinary utensils, and other necessary articles of Ironware; also, Malt Spirits as a substitute for Rum, and W ines; Paper-hangings, and various other articles of common use.

    All these fabrics were eagerly bought, every one being desirous to wear only American clothes, and use, as far as possible, only American productions. But respectable as was the success of an experiment owing its origin to so unusual and temporary an excitement of the public, mind, the new manufactures of America, combined with their new, and what remained of their old Commerce, could not supply all those wants which England had provisioned.

    There was really an amount of self-denial endured by the colonies which only an unnatural elevation of feeling, through the strong stimulus of politics, enabled them to sustain. This denial, however, extended only to articles of luxury, or to such conveniences as there might be found some passable substitute for. There was little or no real distress. Those very British manufactures cut off from further import still existed ' plentifully in the country. From the close of no petitions against the stamp act were forwarded by any of the colonial legislatures hitherto acting in the m atter, except th a t of Virginia.

    N either was there much popular movement in that direction ; the chief petition of the latter sort was from Philadelphia, being signed by merchants of th a t place. The old and the middle-aged will be incited to, at least, occasional deeds of beneficence, and the young will earnestly covet the benedictions which follow the steps of him who proves himself a lover of his kind.

    Such was the beneficial, we may say, the holy, influence exerted by the example of the m erchant and philanthropist who forms the subject of this brief memoir. Because he delivered the poor th a t cried, and the fatherless, and him th at had none. B ut difficulties here presented themselves of no trifling character. The m erchant transm its his capital and custom to his son or kinsm an; or, if vacancies occur in proprietorship, they are usually filled by those who can command capital and custom for themselves.

    U nder such circumstances, it is extremely difficult for a young man without means to purchase an interest in an old business, or successfully establish a new one. It is to the operation of these causes th a t we are indebted for many of the m ost valuable of our adopted citizens. The connections of Alexander Henry were in circumstances of comfort and respectability, but the estate inherited by his mother and her children from his father was insufficient for the support of so large a family.

    Peace had now been declared between Great Britain and the United States; an unwonted activity in trade might be safely anticipated, and Alexander and his second brother determined to try their fortune in the land of promise.

    This change of determination will appear the more excusable when we consider the moving cause. Love was too strong for the young man. H e bade adieu to his native land, and sailed for America. By the medium of letters of introduction to a business firm in Philadelphia, he soon procured a clerkship -in a dry goods establishment a t a salary of per annum. After laboring for some tim e in this subordinate capacity, he announced to a num ber of his friends in England and Ireland his intention of commencing th e commission business on his own account.

    The responses which his letters elicited were of the most gratifying and substantial character. The confidence thus generously reposed was not abused. H enry found himself, within seven years from the commencement of business on his own account, absolutely over-crowded with consignments from the British m art. After the war of , Mr. W ith the exception of this and one or two specific and very successful negotiations, he declined active business; and in addressed a circular to all his correspondents, apprising them of this determination.

    S9 A nd this is a proper occasion to speak of the subject of this memoir as a merchant of affectionate h eart and liberal hand. H e knows that there are m any stages between independence and the lowest abyss of poverty and destitution. In the appropriation of his benefactions, Mr. H enry was guided by that wisdom which was so conspicuous a feature of his business operations. W hilst not lavish beyond the proper demands of the occasion which called forth his bounty, ho was yet always willing to bestow or lend large sums in cases which justified such liberality.

    W e have known him to lend as much as twenty thousand dollars at a time, where the party had no claims save those which the benefactor found in his own breast. In the various positions of a ruling elder in the Presbyterian Church, of which he was for many years a devoted member, a Sunday-school teacher, a distributor of religious tracts—first introduced by him into Am erica—the President of the Board of Education of the Presbyterian Church, of the House of Refuge, of the Magdalen Society, and of the American Sunday-school Union, he won the esteem of his colleagues, and the love and adm iration of the public and of those for whose benefit he labored with such zeal and judgm ent.

    Such a man was found in Alexander Henry. Enjoying, in an eminent degree, the respect of this community, with a wide-spread reputation as a Christian and a philanthropist, the friends of the cause sought his co-operation. His whole course has manifested the enterprise, the judgment, and the prudence of a wise and good man. Now that he is removed, we feel sensibly how severe is our loss. We mourn a great and good man, taken from a post, of eminent usefulness: We reverently bow to the will of the All-wise Disposer of all things, praying that he will raise up those who may manfully and successfully bear the banners of his people, in their conflict with the powers of darkness, causing truth and holiness to triumph over ignorance and sin.

    Reading, the other day, the life of Robert Housman, of Lancaster, it was remarked, that when his family obtained a painter from London, in order to secure a permanent likeness of the beloved and venerable man, the painter declared it was impossible for him to pursue his art with any success, because when he looked upon his countenance it seemed as if he was looking at heaven itself.

    Sir, may I not be allowed to say, without extravagance, that on previous occasions there has been the face of one among us, occupying the place which you occupy to-night, the sight of which brought to our remembrance the idea of a better, a higher, a calmer, and a holier world than shall ever be found on earth, till Jesus shall come again, to make the leopard, and the wolf, and the lamb, and the kid, and the young lion lie down together. Long before the Board of Education was organized, the sagacious mind and benevolent heart of this elder in our Zion realized the importance of assisting pious and indigent young men in preparing for the gospel ministry.

    His sound and enlightened judgment, as well as his extensive experience, enabled him to render the most valuable aid at all times, particularly when the Board of Education was organized by the General Assembly in , and reorganized on a larger basis in He had the head to devise salutary measures for the education of our candidates, the heart to sympathize with them in their poverty, the hand to carry into execution, and the purse to furnish supplies.

    But while we mourn, far be it from us to murmur. Resolved, That in the death of Alexander Henry, the Board of Education of the Presbyterian Church has lost an early, steadfast, and efficient friend, a sympathizing and wise counselor, an enterprising and judicious executive officer, a liberal patron, and an honored president.

    Amid the sorrows of his death, we find a solace in his past life, as well as in his hopeful translation to a better world, through the merits of Jesus Christ. Eulogy is unnecessary for one whose name is embalmed in the memory of all who knew him ; whose benevolence—that delighted in doing good by stealth— and whose Christian graces had long made him pre-eminent as a faithful follower of his Master.

    He was for many years the oldest member, and the last of the sixty gentlemen who founded the Hibernian Society of Philadelphia. He retired from active business many years since, with an ample fortune, and for the last ten years had been much confined from his gradually declining health.

    The various institutions which have derived benefit from his counsels, or aid from his generosity, will feel that they have lost much in the departure of one whose willing zeal for usefulness made him respected and valued wherever he was called to act.

    A long life of consistent piety and active benevolence is crowned with the reward of the faithful. Unlike most men of wealth, he consecrated his ample fortune to the glory of God, and employed it in those acts of beneficence which promote the best interests of mankind.

    In all the benevolent efforts of the age he took a lively interest, and aided them by bis influence and by liberal benefactions. He adopted the wise course of being, to a great extent, his own executor, and dispensed his charities with a view of witnessing and enjoying the good they accomplished while he lived.

    How far liberality under such circumstances is accounted true benevolence by Him who sees with a perfect vision, we shall not presume to decide. Such a use of property will hot foster a grasping, avaricious spirit, and will promote and perfect all the Christian graces. Religion, with him, was not a matter of heartlessness and formality, but a living, vital principle, purifying his heart, and exerting a controlling influence over his life.

    He viewed himself as standing on the verge of the grave, and looked beyond it with exulting hope to the glory which shall be revealed. Death was disarmed of his terrors, and the grave of its gloom.

    One such example of the power of faith puts the seal of eternal condemnation upon all the schemes of human device to obtain pardon and salvation. The soul rests there without a fear or a doubt. Thanks be to God, who giveth us the victory through our Lord Jesus Christ. He had long been the president of this institution, and contributed to a wide extent by his influence and his means to its prosperity and usefulness.

    The Presbyterian Church, of which he was a valued member, has sustained a great loss. Every good enterprise will feel that one of its pillars has been removed. But he is gone. But the peculiar excellence of his life was the philanthropy which distinguished him, and the zeal with which he entered into plans for the diffusion of religion, and labored to give those plans the effectiveness which produces desired results.

    The various institutions in this and other cities which have derived benefit from his counsels or aid from his generosity, will feel that they have lost much in the departure of one whose zeal for usefulness made him respected and valued wherever he was called to act. Henry was for years prominently connected with many of our most valuable benevolent institutions. His name was a3 a tower of strength in every good cause in which he was associated, and his memory will live in the grateful hearts of thousands.

    And when his feeble health and the infirmities of age forbade active services, he was still engaged, by his wise couusels and liberal contributions, in promoting the cause of Christ, and the temporal and spiritual good of his fellowmen. Henry, and before the formation of the many benevolent religious institutions which are the glory of the present age, when large contributions for religious objects were rare, he had heard and read of the donations of Mr. Henry, and one other benevolent man in Philadelphia, gone to his rest, with admiration.

    For many years, and to the time of his death, he was uniformly one of the largest contributors to the benevolent institutions of the Presbyterian Church in this country, to which ho belonged. He gave much to the poor and needy. Before a tract society was organized in this country, he procured tracts in England and had them distributed here; and some of them, together with some new ones, written at his request, were published in this city at his own expense.

    Long before the Board of Education of the General Assembly of the Presbyterian Church in the United States was formed, he embarked in the cause of educating indigent young men of piety and promise for the gospel ministry. Moreover, it is not often during the life, it is not always immediately after death, that the character even of a great man—one deemed to be well known and fully appreciated—becomes fully understood.

    This was the case, to some extent, with Abbott Lawrence. Something like'justice has been done to his talents as a business m an; his services as a diplomatist and statesman are less adequately, but still quite generally appreciated. We hope soon to be able to include this honored name in our series of Mercantile Biographies, in a life of Mr.

    In the meanwhile, we think it right to put on permanent record in the appropriate pages of the Merchants' Magazine the affectionate, the appreciative, and sometimes eloquent tributes, which his death called forth from the press, from public men, and from the clergy. This we are the more desirous of doing, because many of those tributes from personal friends do justice to those personal excellences which, best known at home during his life, should now be known to the world, not merely for example, not merely for incitement, but for the value of justice.

    His genial nature and courteous manners were carried with him into the marts of trade. His unselfishness exhibited itself in his readiness to share with his cotemporaries in trade the benefits of honorable enterprise. An anecdote in point, which we have from a most reliable source, and hundreds such might be told. W e heard it from one who had intimately known him for more than thirty years.

    Such we have the best testimony for knowing was not the fact. A m os L a w r e n c e was an invalid for thirty years, and notw ithstanding noted down all he gave away—not to blazon it abroad— still many of his gifts were known in the community in which he lived. A b b o t t L a w r e n c e was in active life, attending to the multiform pursuits of trade, to say nothing of the various trusts committed to his charge by the circle, public and private, in which he moved.

    H e kept no note of his charities— his rig h t hand did not know w hat his left hand had done. The writer of this enjoyed the personal acquaintance of Mr. The last tim e wre m et him— a few months before his death— we solicited his advice on a subject connected wdth our literary labors.

    Cope, P eter C. Among th e contributors to this volume, we take pride and pleasure in recording the names of the H on. Edw ard Everett, George R. W illiam Berrian, D.

    P rior to the publication of the volume, Mr. We select a few sentences from several of these articles. The following, from the Daily Advertiser, corrects a very great error which is contained in a notice of the deceased in the New York Express: His benefactions, like those of his lamented brother Amos, were almost boundless in number and amount.

    Few who read these sentences will not be able to bear witness to their truth. He was a member of the Brattle-street Church, and a regular and devout attendant on the ministrations of the gospel.

    In every relation to others, as a son, a brother, a husband, a father, his life—now brought to a close prematurely for all but himself—may be safely held up as a model.

    Gentleness of demeanor, considerateness for the rights and feelings of others, equanimity under the trials of an imperfect nature, and the habit of finding his own happiness in the promotion of the happiness of others, spread sunshine and serenity in his domestic circle. The reality of his faith and hope in the promises of the gospel, shone brightly in the unmurmuring resignation with which he supported the weariness and suffering of the last trying weeks of his life.

    N ot a look of despondency or a word of complaint escaped him. He dealt out his princely fortune with no mean hand ; for constant and long continued were his private charities, and munificent indeed have been his public gifts.

    The death of such a man, with such sterling qualities of character as to win affection and respect from those honored by his friendship, with high aims for the public good, creates a void in the community, and will cast over it a wide shadow. These extracts will be perused with interest: Lawrence hqg, in his will, made several bequests to public objects. Their character has not as yet transpired.

    Another trait of his character, which endeared him to all who knew him, ought not to be forgotten—we mean his kindness to all, rich and poor, who approached him. Wealth never separated him from his acquaintances, and the friends of his youth were not shunned in the days of his prosperity. I t was this characteristic, far more than his wealth, which made him so much the favorite with his fellowcitizens. There was nothing selfish or envious in his nature, and during all his life he treated men as his equals.

    Lawrence from the Phrenological Journal, and has an editorial notice. Lawrence did honor to himself and honor to the nation of his birth. How he managed his immense affairs, is known to all the world. Most unfortunately, very few men achieve a grand success like his without some spots upon the character which no splendor of fortune can efface; but Mr. Lawrence was as free as any man over was from the sordid vices of pecuniary prosperity. He was not merely honest within the letter of the law, but open-handed and liberal, with kind words of encouragement and kinder acts of assistance for all who needed them.

    There was not a trace of avarice or greed in his nature; if he acquired great sums, he used them worthily; and lived and moved among us a genial, honorable, Christian gentleman and merchant. It should be read by all who desire to form a correct estimate of the more private relations sustained by the departed. Great and good deeds surround it with deathless laurels, and he must ever be regarded as a marked instance of what republican institutions can produce.

    As a citizen and merchant, a representative and ambassador, he has been alike faithful and able, and in every situation has gained honor and respect. As a builder of cities he is also remembered; but the most VOL.

    Unlike the biography of others, in the life of Abbott Lawrence nothing can be found for charity to cover or kindness to forgive. Such a man must be missed and mourned. Generations may not produce one who in all respects will be like him. Lawrence has been so suddenly removed. As the model merchant prince, the courteous and ever-affable gentleman, the popular and accomplished diplomatist, and the skillful financier and manufacturer, Mr.

    Lawrence has earned and left behind a name which will ever be mentioned with honor, and a memory which will always command respect. His career has ever been marked by integrity and truth. His life has honored trade. His name for years to come will shine most conspicuous in that splendid galaxy of Boston merchants whose intelligence, enterprise, probity, and munificence, have reflected so much glory and honor upon the character and the history of New England.

    Edw ard Everett, Hon. N athan Appleton, Hon. W illiam Appleton, Jam es W. W illiam Sturgis, Hon. Benjamin Seaver, Moses Grant, Esq. We have been called together to make preparations for showing respect to the memory of a distinguished citizen. The Honorable Abbott Lawrence is now numbered with the dead. His efforts and his character are eminently connected with the history and character of this city, in which he has breathed his last. And with these observations, it is proper that this meeting proceed to some fitting action, with a view to carry out the object for which it was called.

    The meeting was then organized by the choice of Hon. We are called together, fellow-citizens, by an event that has cast a shade of sadness and gloom over the whole community. The great Controller of all has, in his wisdom, taken from among us one distinguished alike for the extent and value of his public services, and for the purity and usefulness of his private life.

    Few, if any, were more widely known than Mr. Lawrence—few, if any, were held in higher estimation. I t is not for me, however, to attempt his eulogy; that must be left for those far more able to do justice to his memory. The meeting is now opened for any suggestions that may be offered. This sad privilege is accorded to me solely for the reason that that gentleman, who is present, feels that his voice would hardly fill this hall. This spontaneous assemblage is evidence of the deep sensibility with which this community has learned the death of the Hon.

    As a merchant he was upright and honorable in the highest degree. As a statesman, able, intelligent, and patriotic, he filled high public stations in a manner most creditable to himseif, and most useful to his country, fc; As a citizen of Boston, he was prominent in every public enterprise which promised to promote the general prosperity. His truth, and kindness, and courtesy, made his private life a blessing to those who were brought within its influences ; his public labors extended the resources of his country, strengthened its political relations, and multiplied its means of learning.

    He poured out his wealth with a public spirit, which attested a t once his just discrimination and his unfailing liberality. I t is proper we should honor his memory; therefore, Resolved, That we request the owners and masters of vessels in the harbor to display their colors at half-mast on the day appointed for the funeral. Resolved, That we will, on that day, close our places of business, and that, as a sad duty, we will attend the funeral services.

    Stevenson laid the resolutions on the table, and proceeded thus: A public benefactor has yielded his spirit to his God. A distinguished citizen has finished an honorable career. A good man has gone to his reward. The arrow, that is sent from an unseen bow, has struck a conspicuous mark. Abbott Lawrence rests from his labors on earth. We may not invade the sanctuary of private grief. W e may not trespass upon the home just made desolate.

    W e may not attempt to sound the depth of that sorrow, which broken ties only can fathom. He was a wise counsellor and an honorable man. Deliberate in judgment, prompt in action, understanding the details as well as comprehending the principles of trade, liberal-minded, far-seeing, transparent in his frankness, he stood in the front rank among men, with an integrity as fixed as the rock, and an honor as unsullied as the stars.

    He was allured by no success, he was diverted by no obstacles, from the straight path of mercantile honor. Truth was at home upon his lips, and the kindliest feelings nestled in his heart.

    Those older than himself were happy to lean upon him ; those younger than himself were wise to follow him. He was a safe adviser; and he pointed out to no one any path which he was not prepared to tread himself. The fullness of his heart overflowed in the amenity of his manners. We shall all miss his cordial greeting.

    Those who communed with him loved him ; and those who knew him through his more public acts respected him. Sincere in his friendships, honorable in his antagonism, he never descended to animosities, for he knew how to respect the convictions of those he differed from.

    He indulged a well-directed generosity. His large contributions for the promotion of science and the useful arts was tendered by a living hand. He must, indeed, have been a remarkable man, whose name deservedly rests upon the highest scientific school in the country, and upon one of the busiest cities in the State.

    He was a public-spirited man. He loved the city which was the scene of his enterprise and of his success. Every worthy object was sure of his heart and his hand. He filled and adorned every place which he occupied. Whether he represented this community at home, or the whole country abroad, he always did it in a manner alike honorable to himself, and satisfactory to those who entrusted him with large public interests.

    The corner-stone of his character was a firm religious belief. He was a devout Christian, and an unshaken faith supported him, after the hope of a longer life here was gone. His life has been a practical benefit to his age. He is fit for an example. We will cherish his memory while we mourn his loss. I am sensible, Mr. But I could not resist the impulse to be here with you this morning , and, being here, I trust I may be pardoned, as one of those who have had the privilege of being associated with Mr.

    The protracted illness of Mr. Lawrence has in some measure prepared us all for the blow which has at last fallen. But I cannot help feeling to-day, as I felt many weeks ago—when it was first announced to us that he had been struck dowm by a sudden and serious illness—that Boston has hardly another life of equal value to lose. I might say, not another. Yes, strange as it might seem, when we reflect that within the remembrance of yourself, Mr.

    No, I do not misinterpret this throng of quivering lips and moistened eyes. W e all experience to-day, sir, a sense of personal bereavement. W e all feel that -we have lost a friend; a friend never wanting to any occasion where good words, good deeds, where a warm heart or an open hand could be of service. The moral, the religious, the charitable, the literary and scientific institutions of our city and State, the neighboring university and our own public schools, have lost one of their noblest benefactors.

    His name was a tower of strength to every good cause, and it was never given to a bad one. His noble bearing and genial presence seemed the very embodiment of an enlarged and enlightened public spirit. If some one of the gifted artists of our land should desire hereafter to personify, on the breathing canvas or in the living marble, the mingled dignity and energy, the blended benevolence, generosity, and enterprise which have characterized the good Boston merchant for so many generations past, I know not how he could ever do so more successfully than by portraying the very form which has just been laid low, and by moulding the very Digitized for FRASER http: I cannot think of him as he was among us but yesterday, without recalling the beautiful words of Edmund Burke in reference to his friend Sir George Saville: Let us thank God, as we bend over his honored dust, for having given us such a man, and let us- not murmur that in His own good time He has taken him back to Himself.

    Such a man can never be wholly lost to us. His noble acts survive him. His memory will be among the cherished treasures of all our hearts. E verett for a corrected copy of Ms tasteful and feeling trib u te: I t would be an unseasonable and superfluous, though a greatful task, before this assembly—composed of the neighbors, the associates, the fellow-citizens of our deceased friend—to attempt minutely to relate his career or delineate his character.

    You are acquainted with them from personal observation, and they have already gone forth, on the wings of the press, to the four quarters of the land. Lawrence, sir, as you well know, belonged to that class of merchants who raise Commerce far above the level of the selfish pursuit of private gain. He contemplated it as a great calling of humanity, having high duties and generous aims ; one of the noblest developments of our modern civilization. I know theso were his views.

    I had a conversation with him many years ago, which I shall never forget. I was to deliver an address before one of our local associations, and 1 went to him and asked him what I should say to the young men. Lawrence was justly proud of the character of a Boston merchant, and that character suffered nothing at his hands. His business life extended over two or three of those terrible convulsions, which shake the pillars of the commercial world, but they disturbed in no degree the solid foundations of his prosperity.

    A young gentleman told me yesterday, at Newport, that two or three months ago, Mr. Lawrence took from his waistcoatpocket, and exhibited in his presence, a pair of blunt scissors, which had served him for daily use at the humble commencement of his business life. As for his personal integrity, Mr.

    His promise was a sacrament. Although in early life brought up in a limited sphere, and in the strictness of the old school, which prescribed a somewhat rigid perseverance in one track, Mr. Lawrence was not afraid of bold and novel projects ; he rather liked them. As much as any one man, more than most, he contributed to realize them, to the inappreciable benefit of the country. When he came forward into life, India cottons, of a coarser and flimsier texture than anything that has ever been seen in this country by any man under thirty-five years of age, were sold in this market at retail for a quarter of a dollar a yard.

    Every attempt to manufacture a better article was crushed by foreign competition, acting upon imperfect machinery, want of skill incident to a novel enterprise, and the reluctance of capital to seek new and experimental investments. Lawrence felt that this was an unnatural state of things. He believed the American Union to be eminently calculated for a comprehensive manufacturing system.

    He saw, in no distant perspective, the great agricultural staple of the South enjoying the advantage of a second and that a home market, by being brought into connection with the mechanical skill and the capital of the North. These were the views and the principles which led him, in common with Mr.

    These surely were large and generous views. For this also the community is largely indebted to Mr. W ith respect to the first considerable work of this kind in New England, the Worcester Railroad, I cannot speak with so much confidence, I mean of Mr.

    Hale, but with regard to the extension of that road westward, I am able to speak from my own information. Lawrence was one of its earliest and most efficient friends. I t was my fortune to take some part in the proceedings.

    Everett, wje shall live to see the banks of the Upper Mississippi connected with iron bauds with State-street. I need not tell you, Mr. Chairman, that to these two causes—the manufactures and the net-work of railroads strewn over the country—New England is greatly indebted for her present prosperity. Of this also, Mr. Lawrence was an efficient friend. My friend and former associate in the Corporation of Harvard College Hon.

    Elliot can vouch for the accuracy of what I say on this head. He determined, as far as possible, to remedy the defect. He wished our agriculturists, our engineers, our chemists, our architects, our miners, our machinists—in a word, all classes engaged in handling the natural elements, to lay a solid foundation on the eternal basis of science. But his views were not limited to a narrow utilitarianism. He knew the priceless worth of pure truth. These were the objects of the scientific school—this the manner in which he labored for their promotion.

    In these and other ways, of which I have not time to speak, Mr. He wished to serve it in no other capacity. He resisted, as much as possible, all solicitations to enter public life. He served a little while in our municipal councils and in our State Legislature, but escaped as soon as possible.

    He brought to that market articles with which it is not overstocked—sound, reliable, practical knowledge, and freedom from electioneering projects. The government to which he was accredited was conciliated. The business confided to him, and it is at all times immense, was ably transacted.

    The public in England gratified. W hat more could be done or desired? His success, as I have said, was fully equal to that of any of his predecessors— perhaps I ought to use a stronger term. He came home and returned to private life the same man. H e resumed his place in his happy home, in his counting-house, in the circle of friends, and whereever duty was to be performed or good done.

    To the sacred domain of private life I will not follow him, except to say a word on that trait of his character to which the gentlemen who have preceded me have so feelingly alluded. I mean his beneficence—a topic never to be omitted in speaking of Mr.

    His bounty sometimes descended in copious showers, and sometimes distilled in gentle dews. He gave munificent sums publicly where it was proper to do so, by way of setting an example to others; and far oftener his benefactions followed humble want to her retreat, and solaced the misery known only to God and the earthly steward of his bounty.

    Y ast sums were given by him while he lived, which evinced, but, if I mistake not, did not exhaust his liberality. Such he w as; so kind, so noble, so complete in all the relations of life—the son, the husband, the parent, the brother, the citizen—in a word, in all that makes a m an; and the ultimate source of all this goodness, its vital principle, that which Digitized for FRASER http: This is no theme for a place like this ; other lips and another occasion will do it justice.

    But this it was which gave full tone to his character, and which bore him through the last great trial. The question was then taken on the adoption of the resolutions, and they were unanimously adopted. The meeting then, at a quarter past one, dissolved.

    For to be a true merchant is no easy task. The mechanic may erect a house ; b ut unless it conforms to architectural proportions and correct finish, he has no claim to be entitled a mechanic. So with the m e rch an t; if he is not a good buyer, as well as salesman, equal as a financier to his qualifications as a bookkeeper, he can hardly be said to be a true merchant. A llen , Esq. As buyer, then, he must be discreet, but frank. The very stamp of his countenance should be of th a t manly character th a t represents an honest heart.

    Fully advised on all those points so essential to a proper selection of goods, and at a price not above the present m arket value, w hat occasion has he for duplicity? The goods are well assorted, or they are n o t; they are cheap, or they are d e a r: Does he haggle, th a t he may go forth a vain boanter, claiming uncommon shrewdness in a bargain;— a shrewdness which, if carried but a little farther, would stamp its possessor with infamy and disgrace?

    To no such mean arts does the true merchant stoop. Diligent he aims to be, sagacious he desires to prove him self; hoping th a t these qualities will bring that success that will make him independent in fortune, while a m anly consistent bearing shall sustain his character as a man and a citizen. As a salesman he m ust be industrious, high-minded, sincere. W ith the progress of society, frequent changes occur in the mode of transacting business.

    For these changes the ever active mind of the merchant m ust be prepared, if he wishes to succeed. A strict devotion to business duties will sutler no im portant changes to escape his notice ; and consequently, he is seen to grasp opportunities, and bend them to liis own purposes. And here vve witness again the great importance of a regular and systematic business education.

    An adaptation does not prove a qualification. But, above all, he needs that sincerity which spurns an improper use of the confidence of a customer to answer a base end.

    Sincerity is a virtue which cannot be too highly esteemed in any connection. To a profession where a mutual confidence is to be awakened and secured, it is of the highest importance. Suspicions once aroused are not soon lulled to sleep a g a in ; and forever after the insincere word has been uttered, the m utual positions of the parties interested are changed. All his plans are conceived and carried out under enlarged and generous views.

    By a high-minded honorable course of action, he seeks to devote his energies to the elevation of the mercantile character, and is anxious not so much for his own pecuniary success, as for the good name which attaches to a life spent in an undeviating attention to duty.

    Enjoying the reputation of a young man of strict integrity and good business qualifications, he enters into business, possibly, and indeed quite probably, with little or no pecuniary means.

    B ut his reputation, wrought out in a lower capacity, is to him of more value than thousands of dollars unsustained by a similar character. Then comes his first formidable temptation. W ith an unlimited credit, why should you be satisfied with slow accumulations, while the doors of the golden temple are open, and invite your entrance? Reflection, sober and serious, will stay his steps; and, though the tem pting billows roll heavily towards him, and threaten to submerge him, he stands unmoved.

    Advance he m ust and will, but with cautious steps. If there is any one evil which threatens the peace and prosperity of this nation at the present time, it is the spirit of overtrading which is now so rife in our community.

    N ot alone in the m ercantile class do we witness its demoralizing effects: This tem ptation conquered, it becomes easier to trace the subsequent progress of the young m erchant. Caution in the selection of customers, especially of those who desire a credit, will materially lessen the vexations of a business life; but, with the utm ost degree of circumspection, losses will occur.

    Then it is, th at the inner character of the m erchant is called fo rth ; and then is his wisdom or his folly plainly shown. N either will he, if the bankrupt appear to be honest, oppress the spirit bowed down w ith sadness. All honor to th a t character which perceives, in a legal discharge from oppressive debts, only an opportunity to so retrieve his fortune as to be enabled to fulfill, to the utterm ost farthing, his moral obligation to pay honest d e b ts!

    The, too common practice of considering the relation of m aster and man to cease on the closing of the shutters is of most pernicious tendency. Filled w ith a noble resolve, he enters upon the duties which claim his attention in a mercantile house. Assiduous to please, he earns the encouragement of his employers, and becomes useful and efficient. B ut one deficiency he feels.

    N ight after night, he returns to his solitary at the public boarding house or hotel, and sighs for the endearments of th a t happy home which General H. To him no substitute is offered. W e have said th a t he retires to his solitary room ; yet often h u t for a brief season ; for sympathies he m ust have about him, and in th at more public place, the sitting-rooms of his so called home, he meets with all these, in a companionship of plausible exterior, but of a corrupt heart.

    He, the idol of th a t affectionate circle, came forth a comely y o u th: W ould th a t this picture, sad as it is, was the worst phase of the awful reality! W e refer to the practice of drum m,irKjf sx termed.

    A t th eir expense, and by their direction, customers are guided through the high-: A man, somewhat advanced in years, having been engaged during the day in selecting his goods, retired at nightfall to his hotel for rest and reflection. Soon after supper, two young men entered. H e received them cordially, and, after a brief conversation, an invitation to drink a glass of wine was extended to him.

    H e was sta rtled: Y oung men, is there one among you in a like situation? A re you thrown into a similar tem ptation? Officially representing each a body of young men in this and a neighboring city, our acquaintance soon ripened into an almost fraternal regard. Frequently we corresponded, until, at length, his interest seemed to call him to a more southern latitude.

    T hat ever-welcome signature has not, in a period of four years, reached m e ; but the sad tale has been told ; and, on the ruins of his brilliant promise, we entreat the reader to resist the inoculation, from so disgracem, upon the mercantile character. H ot that, like Samuel Budgett, he is to fix his eye on a apprentice, and urge his disgraceful expulsion from his employe might prove to be dishonest; but, fearing his tendency in th at to expostulate with the young man himself, and pray th at he ow so sinful a propensity— may not tarnish the luster of a life seds by so unchristian an act.

    Most nobly does he respond to these claims ; and he proves recreant to his trust, if he turns a deaf ear to the wailing at his own door. W hile a watchful care is of the utm ost importance, the true m erchant will duly appreciate the labors of those in his employ. This by no means imaginary case reminds us, th a t the words of the apostle James may be sometimes applied at the present day ; Digitized for FRASER http: The retail merchant, however much he may be contemned, occupies a no less im portant position than the wholesale dealer or importer.

    Says an able w riter: This division, like the divisions in other employments, has grown out of a sense of its utility. The interest of all parties is consulted by this division.

    And yet how often do we see men endowed with the highest capacities of mind— men who would have adorned any sphere of life— perverting all to the mad pursuit of g o ld! W e have seen one, a young man, whose mind stood greatly in need of cultivation, deeply interested in the fluctuations of the stock-market, and the current curb-stone value of negotiable paper. That place that does Contain my books, the best companions, is To me a glorious court, where hourly I Converse with the old sages and philosophers.

    Hundreds of men are now toiling on in this community, doomed to all the drudgery which becomes a slave, only because they have hitherto neglected to cultivate the intellect, at the same time th at they were amassing property.

    Success should induce liberality. A nd it will do so whenever and wherever a man has been true to himself. How pitiable is the condition of that sordid w retch who has amassed a fortune, who has enough and to spare, and yet suffers none of the drippings from his overflowing coffers to reach the poor and needy, th e industrious and deserving! If to be pitied when in the full tide of success, how miserable m ust such a one be under a reverse of fortune!

    W hen friends turn coldly on him, to w hat form of consolation shall he turn? How different it is with him who has sought to improve his mind! If successful, he enjoys the companionship of the great and good of all time. If it was the homage paid by royalty to art for Charles Y. N ot in th a t form which patronizes the public sale of some suffering child of genius; or, worse still, by bestowing their aid in such a m anner as to crush the sensitive spirit of the youthful aspirant for fame, as effectually as was the humble, modest, and devout Corregio slain by th e w eight of th e quadrinos, instead of the crowns, which should have requited his toil at the easel— but rather in th a t more commendable and Christian course, of seeking out such as possessed true talent, and liberally rewarding the m ost unpretending efforts of their pencil.

    Such is the m ercantile homage to art. W h at is now to be done? If the debtor had at the tim e of paym ent directed the application, or the creditor had before controversy effected one, then the parties would have come into court in a position essentially different from th a t which they now occupy. In either case there would then have been a valid ap propriation already made— the Court would w ait only to receive evidenc Digitized for FRASER http: W hichever party had rightfully made an application, would have right to claim th a t it should be carried into effect.

    B ut not so when the right to m ake application has lapsed from the hands of both parties by too long delay. They m ust then receive and submit to the directions of the C ourt respecting the use to which the fund paid shall be put. The Court will then enter into an examination of all the circumstances of the case, and will decree an appropriation pursuant to its own sense of justice and the rules of law. Upon this point there has been a considerable difference of opinion.

    Some Courts have held th at in applying a general paym ent they will further the interest of the debtor, and direct such an application as will favor him. They consider that th e rights of the debtor have been sufficiently secured by allowing him the right to accompany his paym ent with directions in respect to its application, ana th at the creditor now remains the party to be favored. B ut upon the whole, probably neither of these views is correct. A still better one, and one which has been announced by several Courts, and tacitly acted upon by many others, is this: In applying this principle quite a num ber of special rules have been from tim e to time laid down for th e determ ination of particular cases.

    Thus, perhaps it is on the whole remarkable, th a t the rules which are found in the books relating to the application of paym ents by the Court, should be as consistent as they are. A nd the inconsistency is not very im portant for our present purpose. A nd as the purpose of this article is merely to convey information respecting those business transactions in which business men are ordinarily obliged to act for themselves, and by no means aspires to explain the perplexities of litigation or to settle difficult questions of law, we shall rest satisfied w ith a simple statem ent of the more im portant rules which are laid down in the books, w ithout attem pting to reconcile them, or to decide which of those th a t conflict is to be relied upon as correct.

    The law applies a general paym ent to a debt subsisting at the time when it was made, in preference to one which has since accrued. This is the invariable rule. If his paym ent is unaccompanied by such authority, the creditor, in his selection of a claim to which it shall be applied, is confined to such debts as were then due, if any such there be. If the application is left to the direction of the law, the subsequent debts will always be passed over, and the paym ent applied among those contracted prior to the payment.

    If the several debts are due to the creditor in different rights, the law applies a general paym ent to that one in his own right. This rule operates favorably to the creditor. B ut it is not a rule of universal operation. It has been laid down and will be followed in some of our States. In others the following two rules are in force: As between a debt which bears interest and one which does not, the law applies a general paym ent to the former. In case of a debt bearing interest, if neither principal nor interest are due, the law applies a general paym ent to both, pro rata.

    This rule is favorable to the cred ito r; for if the payment were applied to the principal in the first instance, it would be more diminished than if the interest were first paid off. So th a t the legal rule lea. The oldest debt will be paid off first. And if the case be one requiring the application of a general paym ent to an account current, the law will apply it to the items in the order of time, commencing at the beginning of the account, and paying off the charges as far as the money suffices.

    Sometimes the source from which the fund for the paym ent arose will direct the legal application. For example, the owner of a piece of land once owed a creditor two debts.

    The Court decided to apply the payment to the judgm ent. These ten rules are included in this article chiefly for the purpose of showing the reader the importance of m aking himself application of the payments which he makes or receives. We close this article, then, with two items of advice to the reader: The defendant, in his answer, alleges that he was ready to perform the contract on his part, and requested Roberts to pay the money to the plaintiffs, and receive the security, but that Roberts failed to do so, and that for this reason the defendant did not deliver the security.

    To this answer the plaintiff demurred, and at Special Term the demurrer was sustained. The two acts, the giving of the securities and the payment of the money, were to be cotemporaneous. Either would fulfil his part of the contract by being ready and offering to perform it, if the other would perform his part. If the plaintiffs had executed the mortgage and assigned the policy, and had given them to an agent, and told him to go and complete the execution of the contract with Roberts, the agent would have been inexcusable if he had delivered the securities without receiving the money.

    I t is plain that there was no express authority to Pond to execute the securities if Roberts did not pay the money. If the complaint had alleged that under this authority Pond had delivered the securi1y without the money being paid, and so had caused damage to the plaintiffs, there would bo some ground for the charge. The plaintiffs now say, that they meant that the securities should be delivered without the money being paid.

    If that was what they meant, and if they had a right to waive the payment, they have not expressed that meaning in the complaint.

    Until some express direction to the contrary was given, Pond would be bound to know that he was not to deliver the securities until the money should be paid to the satisfaction of the plaintiffs.

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