STEPHEN GIRAD.
We present by way of special illustration, a few incidents from thecareer of Stephen Girard.
A sloop was seen one morning off the mouth of Delaware Bay, floating the flag of France and a signal of distress. Girard, then quite a young man, was captain of this sloop, and was on his way to a Canadian port with freight from New Orleans. An American skipper, seeing his distress, went to his aid, but told him the American war had broken out, and that the British cruisers were all along the American coast, and would seize his vessel. He told him his only chance was to make a push for Philadelphia. Girard did not know the way, and was short of money. The skipper loaned him five dollars to get the service of a pilot who demanded his money in advance; and his sloop passed into the Delaware just in time to avoid capture by a British war vessel. He sold the sloop and cargo in Philadelphia, and began business on the capital. Being a foreigner, unable to speak English, with a repulsive face, and blind in one eye, it was hard for him to get a start. But he was not the man to give up.
There seemed to be nothing he would not do for money. He bought and sold anything, from groceries to old junk. Everything he touched prospered. In 1780, he resumed the New Orleans and San Domingo trade, in which he had been engaged at the breaking out of the War of the Revolution, and in one year cleared nearly fifty thousand dollars.
Everybody, especially his jealous brother merchants, attributed his great success to his luck. While, undoubtedly, he was fortunate in happening to be at the right place at the right time, yet he was precision, method, accuracy, energy itself. He left nothing to chance. His plans and schemes were worked out with mathematical care. His letters, written to his captains in foreign ports, laying out their routes and giving detailed instruction from which they were never allowed to deviate under any circumstances, are models of foresight and systematic planning.
Girard never lost a ship; and many times, what brought financial ruin to many others, as the War of 1812, only increased his wealth. What seemed luck with him was only good judgment and promptness in seizing opportunities, and the greatest care and zeal in personal attention to all the details of his business and the management of his own affairs.
[Footnote: See Simpson's "Life of Stephen Girard" (Phila. 1832), and H.
W. Arey's "Girard College and its Founder" (1860).]