The Prosperity & Wealth Bible. Kahlil Gibran
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“The safest loans, my token box tells me, are to those whose possessions are of more value than the one they desire. They own lands, or jewels, or camels, or other things which could be sold to repay the loan. Some of the tokens given to me are jewels of more value than the loan. Others are promises that if the loan be not repaid as agreed they will deliver to me certain property settlement. On loans like those I am assured that my gold will be returned with the rental thereon, for the loan is based on property.
“In another class are those who have the capacity to earn. They are such as you, who labor or serve and are paid. They have income and if they are honest and suffer no misfortune, I know that they also can repay the gold I loan them and the rental to which I am entitled. Such loans are based on human effort.
“Others are those who have neither property nor assured earning capacity. Life is hard and there will always be some who cannot adjust themselves to it. Alas for the loans I make them, even though they be no larger than a pence, my token box may censure me in the years to come unless they be guaranteed by good friends of the borrower who know him honorable.”
Mathon released the clasp and opened the lid. Rodan leaned forward eagerly.
At the top of the chest a bronze neck-piece lay upon a scarlet cloth. Mathon picked up the piece and patted it affectionately. “This shall always remain in my token chest because the owner has passed on into the great darkness. I treasure, it, his token, and I treasure his memory; for he was my good friend. We traded together with much success until out of the east he brought a woman to wed, beautiful, but not like our women. A dazzling creature. He spent his gold lavishly to gratify her desires. He came to me in distress when his gold was gone. I counseled with him. I told him I would help him to once more master his own affairs. He swore by the sign of the Great Bull that he would. But it was not to be. In a quarrel she thrust a knife into the heart he dared her to pierce.”
“And she?” questioned Rodan.
“Yes, of course, this was hers.” He picked up the scarlet cloth. “In bitter remorse she threw herself into the Euphrates. These two loans will never be repaid. The chest tells you, Rodan, that humans in the throes of great emotions are not safe risks for the gold lender.
“Here! Now this is different.” He reached for a ring carved of ox bone. “This belongs to a farmer. I buy the rugs of his women. The locusts came and they had not food. I helped him and when the new crop came he repaid me. Later he came again and told of strange goats in a distant land as described by a traveler. They had long hair so fine and soft it would weave into rugs more beautiful than any ever seen in Babylon. He wanted a herd but he had no money. So I did lend him gold to make the journey and bring back goats. Now his herd is begun and next year I shall surprise the lords of Babylon with the most expensive rugs it has been their good fortune to buy. Soon I must return his ring. He doth insist on repaying promptly.”
“Some borrowers do that?’ queried Rodan.
“If they borrow for purposes that bring money back to them, I find it so. But if they borrow because of their indiscretions, I warn thee to be cautious if thou wouldst ever have thy gold back in hand again.”
“Tell me about this,” requested Rodan, picking up a heavy gold bracelet inset with jewels in rare designs.
“The women do appeal to my good friend,” bantered Mathon.
“I am still much younger than you,” retorted Rodan.
“I grant that, but this time thou doth suspicion romance where it is not. The owner of this is fat and wrinkled and doth talk so much and say so little she drives me mad. Once they had much money and were good customers, but ill times came upon them. She has a son of whom she would make a merchant. So she came to me and borrowed gold that he might become a partner of a caravan owner who travels with his camels bartering in one city what he buys in another.
“This man proved a rascal for he left the poor boy in a distant city without money and without friends, pulling out early while the youth slept. Perhaps when this youth has grown to manhood, he will repay; until then I get no rental for the loan — only much talk. But I do admit the jewels are worthy of the loan.”
“Did this lady ask thy advice as to the wisdom of the loan?”
“Quite otherwise. She had pictured to herself this son of hers as a wealthy and powerful man of Babylon. To suggest the contrary was to infuriate her. A fair rebuke I had. I knew the risk for this inexperienced boy, but as she offered security I could not refuse her.
“This,” continued Mathon, waving a bit of pack rope tied into a knot, “belongs to Nebatur, the camel trader. When he would buy a herd larger than his funds he brings to me this knot and I lend to him according to his needs. He is a wise trader. I have confidence in his good judgment and can lend him freely. Many other merchants of Babylon have my confidence because of their honorable behavior. Their tokens come and go frequently in my token box. Good merchants are an asset to our city and it profits me to aid them to keep trade moving that Babylon be prosperous.”
Mathon picked out a beetle carved in turquoise and tossed it contemptuously on the floor. “A bug from Egypt. The lad who owns this does not care whether I ever receive back my gold. When I reproach him he replies, ‘How can I repay when ill fate pursues me? You have plenty more.’ What can I do? The token is his father’s — a worthy man of small means who did pledge his land and herd to back his son’s enterprises. The youth found success at first and then was over-zealous to gain great wealth. His knowledge was immature. His enterprises collapsed. “Youth is ambitious. Youth would take short cuts to wealth and the desirable things for which it stands. To secure wealth quickly youth often borrows unwisely.
Youth, never having had experience, cannot realize that hopeless debt is like a deep pit into which one may descend quickly and where one may struggle vainly for many days. It is a pit of sorrow and regrets where the brightness of the sun is overcast and night is made unhappy by restless sleeping. Yet, I do not discourage borrowing gold. I encourage it. I recommend it if it be for a wise purpose. I myself made my first real success as a merchant with borrowed gold.
“Yet, what should the lender do in such a case? The youth is in despair and accomplishes nothing. He is discouraged. He makes no effort to repay. My heart turns against depriving the father of his land and cattle.”
“You tell me much that I am interested to hear,” ventured Rodan, “but, I hear no answer to my question. Should I lend my fifty pieces of gold to my sister’s husband? They mean much to me.”
“Thy sister is a sterling woman whom I do much esteem. Should her husband come to me and ask to borrow fifty pieces of gold I should ask him for what purpose he would use it.
“If he answered that he desired to become a merchant like myself and deal in jewels and rich furnishings. I would say, ‘What knowledge have you of the ways of trade? Do you know where you can buy at lowest cost? Do you know where you can sell at a fair price? Could he say ‘Yes’ to these questions?”
“No, he could not,” Rodan admitted. “He has helped me much in making spears and he has helped some in the shops.”
“Then, would I say to him that his purpose was not wise. Merchants must learn their trade. His ambition, though worthy, is not practical and I would not lend him any gold.
“But, supposing he could say: ‘Yes, I have helped merchants much. I know how to travel to Smyrna and to buy at low cost the rugs the housewives weave. I also know many of the rich people of Babylon to whom I can sell these at a large profit.’ Then I would say: ‘Your purpose is wise and your ambition honorable. I shall be glad to lend you the fifty pieces of gold if you can give me security that they will be returned.” But would he say, ‘I have no security other than that I am an honored man and will pay you well for the loan.’ Then would I reply, ‘I treasure much each piece of gold. Were the robbers to take it from you as you journeyed to Smyrna or take the rugs from you as you returned, then you would have no means of repaying me and my gold would be gone.’
“Gold, you see, Rodan, is the merchandise of the lender of