Again I thought of Ethel and October, and what a difference it would be to begin our modest housekeeping on sixty instead of forty thousand dollars a year, outside of what I was earning. Mr. Beverly now rang a bell. 'You happen to have come,' said he, 'on a morning when I can really do something for you out of the common. Bring me (it was a clerk he addressed) one of those Petunia circulars. Now here you can see at a glance for yourself.' He began reading the prospectus rapidly aloud to me while I followed its paragraphs with my own eye. His strong, well-polished thumb-nail ran heavily but speedily down the columns of figures and such words as gross receipts, increase of population, sinking fund, redeemable at 105 after 1920, churned vigorously and meaninglessly through my brain. But I was not going to let him know that to understand the circular I should have to take it away quietly to my desk in Nassau Street, and spend an hour with it alone.""'What is your opinion of Petunia Water sixes?' he inquired.""'They are a lead-pipe cinch,' I immediately answered; and he slapped me on the knee.""'That's what I think!' he cried. 'Anyhow, I have taken 20,000 for mother. Do what you like.'""'Oh well,' said I, delighted at this confidence, I think I can afford to risk what you are willing to risk for your mother, Mrs. Beverly. Where is Petunia, did you say?'""He pulled down a roller map on the wall as you draw down a window-blind, and again I listened to statements that churned in my brain. Petunia was a new resort on the sea coast of New Hampshire. One railway system did already connect it with both Portsmouth and Portland, but it was not a very direct connection at present. Yet in spite of this, the population had increased 23 and seven-tenths per cent in five years, and now an electric railway was in construction that would double the population in the next five years. This was less than what had happened to other neighbouring resorts under identical conditions; yet with things as they now were, the company was earning two per cent on its stock, which was being put into improvements. The stock was selling at 30, and if a dividend was paid next year, it would go to par. But Mr. Beverly did not counsel buying the stock. 'I did not let mother have any,' he said, 'though I took some myself. But the bonds are different. You're getting the last that will be sold at par. In three days they will be placed before the public at 102 1/2 and interest.'""I was well pleased when I left Mr. Beverly's office. In a few days I was still more pleased to learn that I could sell my Petunia sixes for 104 if so wished. But I did not wish it; and Mr. Beverly told me that he should not sell his mother's unless they went to 110. 'In that case,' said he, 'it might be worth while to capitalise her premium.'""I liked the idea of capitalising one's premium. If you had fifty bonds that cost you par, and sold them at 110, you would then buy at par fifty-five bonds of some other rising kind, and go on doing this until--Inamed no limit for this process; but my delighted mind saw visions of eighty and a hundred thousand a year--comfort at least, if not affluence in New York--and I explained to Ethel what the phrase capitalising one's premium meant. I showed her the Petunias, too, and we read what it said on the coupons aloud together. Ethel was at first not quite satisfied with the arrangement of the coupons. 'Thirty dollars on January first, and thirty on July first,' she said. That seems a long while to wait for those payments, Richard. And there are only two in every year, though you pay them a thousand dollars all at once. It does not seem very prompt on their part.' I told her that this was the rule. 'But,' she urged, 'don't you think that a man like Mr. Beverly might be able to get them to make an exception if he explained the circumstances? Other people may be satisfied with waiting for little crumbs in this way, but why should we?'
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