Obeying the mandate of this very peculiar young man, I strolled down to The Cliff.

The wide sea heaved and plashed beneath me with a dull, dulcet murmur. Away out on its unruffled bosom lay great patches of purple, denoting the passage of some fleecy cloud onwards, ever onwards. White sails dotted the deep green sea like daisies on a dappled field. The shingle caressed by the wooing wavelets was red and brown, while the wave-kissed pebbles flashed in the sunlight. Boats like specks were drawn up on the beach, and sailors were busy with sails and cordage and the impedimenta of their craft.

Finche’s marine residence stood boldly prominent, all corners and gables like an old cocked hat. It was new and pert-looking, and wore the air of a coquette in a brand-new toilette from Worth’s. A ribbon border of glowing scarlet geraniums led from the lich-gate to the Queen Anne porch, whereon sat, or lay, or reclined—it was all three—my old friend, his body in one of those chairs which invalid passengers on ocean steamers much affect, to the envy of all who do not possess the luxury, his feet on a camp-stool, beside him a small marble-topped table, whereon stood a bottle of claret, a crystal glass of wafer-like thinness, and a box of cigars. Price had spoken wisely.

After the usual exclamations of greeting had dried up I complimented Finche on the beauty of the location.

“Yes, sir; it costs money, but what’s money if you don’t get value for it? Thompson—you know Thompson, of Brand & Thompson—that man, sir, has four millions, sir, and what value does he take out of it, sir? A back-room in Thirteenth Street; a breakfast at a foul-smelling restaurant, sir; a five-minute dinner at Cable’s; an unhealthy supper at another restaurant, and half a dozen of newspapers. That’s what he has for his four millions.”

“You are wiser in your generation, Finche.”

“I am wise in this way, sir”—Finche is very sententious, and his shirt-collar is always troubling him—“I must have value for my money. One hundred cents for my dollar is good enough for me. If, sir, I can get one hundred and fifty, so much the better; but, sir, I never take ninety, or ninety-five, sir, or ninety-and-nine, sir. Help yourself to that claret—it’s a Nat Johnson, sir; I paid twenty-five dollars a case for it in the year ’70. It’s value for the money, sir, I tell you.”

“You are here with your Lares and Penates,” I observed, after some further remarks upon the value of the surroundings.

“What do you mean, sir?” Finche is as ignorant as a chimpanzee.

“Your household gods.”