Immediately following my disaster the loyalty and regard of my social friends, with the one exception of the Caines, was shown on all sides. Kindly letters and personal calls were numerous and did much to relieve the terrible feeling of despondency that weighed me down.

The bright particular star in this firmament of friends was Mrs. Slater. She had made a heavy loss that she could ill afford and she accepted it without a shadow of reproach to me. Of course she expected and hoped that at some time I would be able to repay her, but this thought did not influence her in her stanch friendship. Had she known there was no possible hope of my ever repaying her, her feeling toward me would have been the same. Mrs. Caine, who knew her, while calling and in a spirit of malice endeavored to turn her against me. As a result, the call was never returned, and the acquaintance ceased.

At this time I was seeking no favors from friends except in one little matter in which I was assisted by George Todd and Will Curtice. They were not called upon for financial aid, but they guaranteed my carrying out an agreement which made them jointly liable to the extent of four thousand dollars. I fulfilled my obligation and then returned their guarantee.

The spirit shown by the tradespeople with whom I had dealings touched me deeply. I had always been prompt in the settlement of bills and immediately after my failure every account of this character was paid at once. Of course we immediately cut off all unnecessary expense.

King, the well-known up-town fish dealer, had been serving us oysters and fish regularly each day. We were through now with course dinners and these items were cut out. The next day I received a letter from him, from which I quote:

"I want your trade if it's only a pound of codfish a week, and you can pay once a month, once a year, or whenever it pleases you."

Then there was old Tom Ward, the coal dealer. I had in my cellar about thirty tons of coal and I called at his office to get him to send for it and pay me what he could afford to. As I entered the door he sprang forward with outstretched hand, saying, "Mr. Stowe, I am glad to see you, and I want to say you're the whitest little man on the West Side, and I have a few hundred dollars in the bank. If you want them you're welcome to them." My tailor, with whom I had traded for a great many years, told me I could always have anything in his shop and no bills would be rendered until asked for. And so it was with all.

Of the house on Eighty-sixth Street, I had a lease at three thousand dollars a year. My landlord, Mr. W. E. D. Stokes, told me to "remain until the end of the lease and not bother about the rent." I accepted this offer for one month. The Misses Ely, where the girls attended school, called on my wife and asked her to continue the girls for the rest of the school year without charge. The larger tradesmen, such as Tiffany, Altman; Arnold, Constable, and the like, all wanted our account kept on their books, but we were through with the pomps and vanities and had no use for them. My coachman offered me his savings and with the house servants it was the same.

Before the end of January arrangements had been completed for our new scale of living. The horses and carriages, representing an investment of ten thousand dollars, I sold for less than two thousand. There was no time to look for buyers and I made a forced sale. Of the contents of our home we sold nothing except a panoply of armor and one piece of bronze. These, Mrs. Veidler, who had always admired them, bought, and added to the appointments of her Fifth Avenue home.

At Westfield, N. J., we were offered a large house with modern conveniences, well-stocked conservatory, and attractive grounds, at a rental of fifty dollars per month. This we accepted, and on the eighth of February took possession.