adventure with a loose factory

London fintech Curve raises Series A


Update 12th July: Curve has now confirmed the startup has closed million in series A funding. Investors are banking providers Santander InnoVentures, Investec, Connect Ventures, Speedinvest, Oxford Capital, Breega Capital, and Samos Investments. Individual investors include: Henry Ritchotte (ex Deutsche Bank COO), Gael de Boissard (ex Credit Suisse board member), Alessandro Hatami (The Pacemakers; ex Lloyds, Paypal, GE Capital), Paul Townsend (Vitesse PSP, Barclays, WorldPay), Emilian Popa (Rocket Internet, Naspers, Groupon), Rohan Haldea (Apax Partners) Original post below.

Curve, the London fintech startup that offers a platform that lets you consolidate all your bank cards into a single Curve card and manage your money, is on the verge of closing million in Series A funding.

According to sources, the round, which could be announced as soon as this week, is being led by Connect Ventures, with participation from Santander Ventures, the venture arm of Spain-headquartered bank Santander Group.

A number of other investors from the fintech and banking world are also participating, although I haven’t been able to pin down who they are. It is also not clear if this Series A includes an earlier bridge round of approximately .5m announced in September.

Curve co-founder and CEO Shachar Bialick declined to comment when asked for confirmation of the startup’s new funding and investors.

Along with Connect Ventures, Curve’s existing investors include Samos Investments, Speedinvest, pre-seed/seed investor Seedcamp, London Co-Investment Fund, TransferWise founder Taavet Hinrikus, Ricky Knox of challenger bank Tandem, Azimo founder Michael Kent, Ed Wray of Betfair, former members of the Google Wallet team, and the founders of Money2020.
Will Curve partner with major banks?

That Curve’s Series A backers includes the venture arm of a multinational bank invites speculation on what might be next for the London fintech startup, in terms of how it could partner with banks going forward. As it stands, Curve’s core offering both competes with and complements your existing bank’s services, to varying degrees, depending on how you view these things.

The Curve platform lets you link your existing banks’ debit and credit cards to an app and the accompanying Curve card (powered by MasterCard), which then acts as a conduit for any payments you make offline or online, meaning you only need to carry a single physical card with you. In this context, Curve is entirely reliant on and complementary to the banks and serves to improve the experience of your existing bank cards.

Then there’s Curve’s low currency exchange rate and 1 per cent fee when spending money abroad, something that potentially eats into the profits of banks that do a very nice line of business on foreign exchange rates and hidden charges.

Curve also recently launched its own instant cashback scheme in partnership with major U.K. retailers, giving you another incentive to use the Curve card to re-route your spending through the Curve app.

And more broadly, by becoming the platform to track your spending and manage your money, Curve is potentially gaining access to a lot of financial data, something that banks have traditionally been the custodian of, even if they have been slow to return the value of that data back to customers.

However, with or without Curve, upcoming regulation in Europe/U.K. in the form of PSD2 and Open Banking, has already put the banks’ ability to lock up your spending data on notice.

With all of that said, there are two obvious ways Santander or any other incumbent bank could partner with Curve. The first would be to adopt the full Curve platform, perhaps within a co-branded/white label offering, to give customers all of Curve’s functionality or a major subset of it.

This would provide Curve with access to millions of new customers and the partnering bank a major innovation leg up and a way to improve the experience and engagement of those customers. A full partnership with Curve would also give banks a way to get on the front-foot ready for a post-PSD2 world that is seeing a plethora of fintech startups attempt to become the hub of your financial life by aggregating your financial data and re-bundling various financial products.

The second is perhaps less ambitious but equally beneficial to both parties, which is for Santander or any bank to partner with Curve’s upcoming Curve Connect platform, a kind of app store for financial products. This could include loans and credit, loyalty, and even savings (think roundups or so-called micro-savings), accessible through Curve Connect but provided by a partner bank. And that is likely just scratching the surface.
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good deal of stuff in the newspapers

I prefer 'National Service' to 'Conscription,' not because I shrink from the word 'Conscription you beauty hard sell,' but because 'National Service' has a wider sweep. The greater includes the less. It is not only military duties which the State is entitled to command its citizens to perform unquestioningly in times of danger; but also civil duties. It is not only men between the ages of twenty and thirty-eight to whom the State should have the right to give orders; but men and women of all ages. Under conditions of {xiii} modern warfare it is not only armies which need to be disciplined; but whole nations. The undisciplined nation, engaged in anything like an equal contest with a disciplined nation, will be defeated.
The Coalition Government
This volume was in type before the Coalition Government was formed; but there is

nothing in it which I wish to change in view of that event. This book was not undertaken with the object of helping the unionists back into power, or of getting the Liberals out of power.

The new Cabinet contains those members of the late one in whom the country has most confidence. Lord Kitchener, Sir Edward Grey, Mr. Lloyd George, and Mr. Churchill have all made mistakes. In a great crisis it is the bigger characters who are most liable to make mistakes. Their superiority impels them to take risks which the smaller men, playing always for safety, are concerned to avoid.

The present Ministry also contains representatives of that class of politicians which, according to the view set forth in the following pages, is primarily responsible for our present troubles. Lawyer-statesmanship, which failed to foresee the war, to prepare against it, and to conduct it with energy and thoroughness when it occurred, still occupies a large share of authority. Possibly ministers of this school {xiv} will now walk in new ways. In any case, they are no longer in a position of dangerous predominance.

The Coalition Government groom suit rental , having wisely refused to part with any of those men who rose to the emergency, and having received an infusion of new blood (which may be expected to bring an accession of vigour) starts upon its career with the goodwill and confidence of the People.

What has happened, however dr bk laser, is a revolution upon an unprecedented scale—one which is likely to have vast consequences in the future. The country realises this fact, and accepts it as a matter of course—accepts it indeed with a sigh of relief. But in other quarters, what has just happened is hardly realised at all—still less what it is likely to lead to in the future.

During the 'Cabinet Crisis' one read a good deal of stuff in the newspapers, and heard still more by word of mouth, which showed how far, during the past nine months, public opinion has moved away from the professionals of politics; how little account it takes of them; also how much these gentlemen themselves mistake the meaning of the present situation.

In political circles one has heard, and read, very frequently of late, expressions of regret—on the one hand that unionists should have come to the assistance of a discredited and bankrupt administration—on the other hand that a government, secure in the confidence of the country, should, through a mistaken {xv} sense of generosity, have admitted its opponents to a share in the glory and prestige of office. One has read, and heard, cavillings at the idea of appointing this, or that, public character to this, or that, office, as a thing beyond what this, or that, party 'could fairly be expected to stand.' Reports have appeared of meetings of 'a hundred' perturbed Liberals; and very possibly meetings, though unreported, of equally perturbed unionists have also been held. An idea seems still to be prevalent in certain quarters, that what has just occurred is nothing more important than an awkward and temporary disarrangement of the party game; and that this game will be resumed, with all the old patriotism and good feeling, so soon as war is ended. But this appears to be a mistaken view. You cannot make a great mix-up of this sort without calling new parties into existence. When men are thrown into the crucible of a war such as this, the true ore will tend to run together, the dross to cake upon the surface. No matter to what parties they may have originally owed allegiance, the men who are in earnest, and who see realities, cannot help but come together. May be for several generations the annual festivals of the National Liberal Federation and the union of Conservative Associations will continue to be held, like other picturesque survivals of ancient customs. When Henry VII. was crowned at Westminster, the Wars of the Roses ended; the old factions of York and Lancaster were dissolved, and {xvi} made way for new associations. Something of the same sort has surely happened during the past month—Liberal and Conservative, Radical and Tory have ceased for the present to be real divisions. They had recently become highly artificial and confusing; now they are gone—it is to be hoped for ever.


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importing the returns

The East India Company had recovered from their period of desolation. They had set their house in order, had been granted a further extension of their monopoly, were opening up a good trade with China, and had received fresh capital for their operations in wider spheres. The trade of the East was practically now in the hands of England, the Dutch East India Company having suffered very heavily, and the French East India Company after languishing had come to an end in 1790. Although there had been formed the first Danish East India Company as far back as 1612, and a Spanish Royal Company for trading with the Philippines incorporated in 1733 and an Ostend East India Company incorporated by the Emperor of Austria in 1723; yet the last-mentioned had become bankrupt in 1784, and now the English East India Company, after many vicissitudes, was left practically the sole surviving trading power in the Orient.

Under Pitt’s Act the directors of the English Company were allowed to superintend their shipping and matters of commerce as before, yet the Board of Control exercised its influence both in England and India. Each year the Company settled the number167 of ships to be built and their sizes. For instance, in 1784, as they saw that at least four more ships would be required, they ordered six to be built. The keels were to be laid down within six months, and the ships were to be launched within twelve months of the laying of the keel. The following year they decided to have three sets of shipping with about thirty ships in each class, so leave was given for eight ships to be built. Tenders were therefore advertised for in January 1786, much to the indignation of the owners, who complained that this advertisement was directed against their interests. They denied that hitherto their rates for freight had been exorbitant, and protested that they had embarked on immense shipbuilding programmes expressly for the Company’s benefit. The Company therefore replied, inviting them to send in tenders, which was done, the same rate being offered as in the preceding season—viz. £26 a ton to China direct, £27 for coast and China, Bombay £28, coast and bay £29. On 9th June of that year a tender was offered the Company to build a 1000-ton ship at £22 a ton for the first two voyages, and £20 for the third and fourth voyages.

Up till the year 1789 the size of the Company’s recent big ships had been from 750 to 800 tons. But in this year it was decided to build five ships of from 1100 to 1200 tons. The following May the Court resolved that from past experience ships could quite well make three voyages without stripping off their sheathing. And, further, those ships which had been accustomed to make the fourth trip their repairing voyage might with perfect safety perform even six voyages. A by-law of 1773 had restricted the employment of ships for more than four voyages, but168 this was now modified, and instead of four voyages agreements were entered into with the owners for the ships to run six.

It was decided also by the Company in the year 1789 to allow the commanders and officers of their ships to fill, freight free, all such outward tonnage as might be unoccupied by the Company, and to allow the Company’s servants and merchants residing under the Company’s protection in India to fill up such homeward tonnage as might be unoccupied by the Company, at a reasonable freight. When we come to the year 1793 we have to deal with an important Act of the reign of George III., which had far-reaching effects. The Company’s charter was extended until 1814, but provision was made for opening up the Indian trade to private individuals, and thus the long-lived monopoly of the Company was doomed. At length the agitations of the Liverpool and Bristol shipowners to be allowed to participate in the East India trade were to have some sort of effect, though it was far from what was desired. However, one of the conditions of the renewal of the Company’s exclusive privilege under this Act was that any of the Company’s civil servants in India, and the free merchants living in India under the Company’s protection, might be permitted to send to Europe on their own account and risk in the Company’s ships all kinds of Indian goods with the exception of calicoes, dimities, muslins and other piece-goods. And for insuring to private merchants and manufacturers the certain and ample means of exporting their merchandize to the East Indies, and importing the returns for the same, and the other goods, wares and merchandize, allowed by169 this Act, at reasonable rates of freight,” the Company was ordered to set apart at least 3000 tons of shipping every year. The charge was to be £5 a ton on the outward voyage in times of peace, and. £15 homeward. But in the time of war the rates should be increased if the Board of Control approved. It was further stipulated that his Majesty’s subjects might be allowed to export from England to India any produce or manufactured goods except military stores, ammunition, masts, spars, cordage, pitch, tar and copper. But in all cases of exports and imports in this Anglo-Indian trade the goods must travel in the Company’s ships. These vessels, provided under the Act, thus became known as extra East Indiamen,” and sometimes in reading books of voyages and travel of this period you will find the narrator informing the reader that he travelled to the East on board the extra” East Indiaman so-and-so. It may be stated at once that though the Act was obeyed, it produced little result, for considering that the Company still had such a powerful monopoly of trade in the East, it was quite impossible for home merchants to compete with such a corporation. Most manufacturers and merchants declined to avail themselves of this privilege, full well realising beforehand how useless it would be. However, the Company fulfilled their obligation to provide this additional tonnage, though it entailed a heavy expenditure without much benefit to the public. The people who benefited most were the servants of the Company, who, being homeward bound, were able to bring back to England Indian produce that would find a ready market here.
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I gave an instance of this

I feel, then cruise hong kong , that I may with confidence ask the reader who loves ships for themselves, or is fascinated by history, or is specially interested in the rise of our Indian Empire, to follow me in the following pages while the story of these old East Indiamen is narrated. In a little while we shall have passed entirely from the last of all surviving ocean-going sailing ships, but during the whole of their period none have left their mark so significantly on past and present affairs as the old East Indiamen. I can guarantee that while pursuing this story the reader will find much that will interest and even surprise him: but9 above all will be seen triumphant the true grit and pluck which have ever been the attributes of our national sailormen—the determination to carry out, in spite of all غير مجاز مي باشدts and hardships, the serious task imposed on them of getting the ship safely to port with all her valuable lives, and her rich cargoes, regardless of weather, pirates, privateers and the enemies of the nation whose flag they flew. And this fine spirit will be found to be confined to no special century nor to any particular ship: but rather to pervade the whole of the East India Company’s merchant service. The days of such a monopoly as this corporation’s trade and shipping are much more distant even than they seem in actual years: but happily it is our proud boast, as year after year demonstrates, that those qualities, which composed the magnificent seamanhood of the crews of these vessels, are no less existent and flourishing to-day in the other ships under the British flag that venture north, south, east and west. The only main difference is this:—Yesterday the sailor had a hundred chances, for every one opportunity which is afforded to-day to the sons of the sea, of showing that the grand, undying desire to do the right thing in the time of crisis is one of the greatest assets of our nation.

CHAPTER II  THE MAGNETIC EAST
Within human experience it is a safe maxim, that if you keep on continuously thinking and longing for a certain object you are almost sure, eventually, to obtain that which you desire.

There is scarcely any better instance of this on a large scale than the longing to find a route to India by sea hotel jobs in hong kong , and the attainment of this only after long years and years. As a study of perseverance it is remarkable: but the inspiration of the whole project was to get at the world’s great treasure-house, to find the way thereto and then unlock its doors. For centuries there had been trade routes between Europe and India overland. But the establishment of the Ottoman Empire in the fifteenth century placed a barrier across these routes. This suggested that there might possibly be—there was most probably—a route via the sea, and this would have the advantage of an easier method of transportation. It is very curious how throughout the ages a vague tradition survives and lingers on from century to century, finally to decide men’s minds on some momentous matter. It is not quite a literal inspiration, for often enough these ancient traditions had a modicum of truth therein contained.

11

In my last book reenex facial , “Ships and Ways of Other Days,” I gave an instance of this which was remarkable enough to bear repeating. A reproduction was given of a fourteenth-century portolano, or chart, in which the shape of Southern Africa was seen to be extraordinarily accurate: and this, notwithstanding that it was sketched one hundred and thirty-five years before the Cape of Good Hope had been doubled. Some might suppose this knowledge to have been the result of second-sight, but my suggestion is that it was the result of an ancient tradition that the lower part of the African continent was shaped as depicted. For there is a well-founded belief that about the beginning of the sixth century B.C. the Ph?nicians were sent by Neco, an Egyptian king, down the Red Sea; and that after circumnavigating the African continent they entered the Mediterranean from the westward.

The dim recollection of this voyage over a portion of the Indian Ocean, coupled with other knowledge derived from the Arabian seamen, doubtless left little hesitation in the minds of the seafaring peoples of the Mediterranean that the sea route to India existed if indeed it could be found. The various fruitless attempts, beginning with Vivaldi’s voyage from Genoa in 1281, are all evidence that this belief never died. For years nothing more successful was obtained than to get to Madeira or a little lower down the west coast of Africa, yet almost every effort was pushing on nearer the goal; even though that goal was still a very long way distant. The East was exercising a magnetic influence on the minds of men: India was bound to be discovered sooner or later, if they did not weary of the attempt.


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sight of Uncle Francis

Oh, are they at it here as well bvi company setup ? We found one on in Venezuela, and then another at Guayaquil. The city was under martial law, and some general or other who had been in power for about forty-eight hours was preparing to march on Quito and wipe out the government.”

Yes, it is like an epidemic,” went on the young girl, an epidemic which is sweeping the Andes just now. The news from Boloisa is worrying me, too. Things are bad round Lake Titicaca.”

Not really! That’s a nuisance... not a cheerful outlook for my business in the Cuzco.” Dick was evidently put out by the news.

I had not intended telling you about it until to-morrow. You must not think of unpleasant things to-day... all that district is in the hands of Garcia’s men now.”

Who is Garcia?”

Oh, one of my old suitors.”

Has everybody in the country been in love with you, Maria-Teresa?”

Well, I had the attraction of having been brought up abroad... at the first presidential ball I went to after mother’s death there was no getting rid of them.... Garcia was there. And now he has raised the revolt among the Arequipa and Cuzco Indians.... He wants Vointemilla’s place as president.”

I suppose they have sent troops against them?”

Oh, yes, the two armies are out there online backup ... but, of course, they are not fighting.”

Why?”

Because of the festival of the Interaymi.”

And what on earth is that?”

The Festival of the Sun Karson Choi .... You see, three quarters, of the troops on both sides are Indian.... So, of course, they get drunk together during the fêtes.... In the end, Garcia will be driven over the Boloisan border, but in the meantime he is playing the very mischief with fertilizer rates.”

She turned toward the liner again, and, catching sight of Uncle Francis, raised her hand in reply to the frantic waving of a notebook.

How are you, Mr. Montgomery?” she cried. Did you enjoy the crossing?”

The gangways were run out, and they went on board.

Mr. Montgomery’s first question was the same as had been his nephew’s.

Well, and how is business?”

For all those who knew her in Europe had marveled at the change which had come over the little girl” at her mother’s death, and her sudden determination to return to Peru and herself take charge of the family’s fertilizer business and concessions. She had also been influenced in this decision by the fact that there were her little brother and sister, Isabella and Christobal, who needed her care. And finally there was her father, perhaps the greatest child of the three, who had always royally spent the money which his wife’s business brought in.


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Mulligan had recognised Blake ’s

After they had gone about a hundred yards apartments hong kong , Blake stopped and asked Mulligan if he knew that he was liable to be arrested and shot for desertion from the British Army, and waited to see the effect of his words, as the whole success of his plan depended on this.

By now Mulligan had recognised Blake’s voice, and knowing well what would happen to him if he fell into the hands of the military, fell on his knees and begged Blake to spare him. Blake at once explained his terms, which the boy eagerly accepted, thankful to get off at any price, though not counting the غير مجاز مي باشدt and danger of what he was doing.

Blake’s terms were that Mulligan should give him information well beforehand of every contemplated outrage in the district, and, in return, promised him regorafenib , on behalf of the British Government, a free pardon, £500, and a pasغير مجاز مي باشدe for himself and Bridgie to any country he wished to go to, but not until the Sinn Fein movement was crushed in the district.

As it happened, only the evening before, Bridgie had told Patsey that she could not stand the boycott any longer, and that if he could not take her away to America at once she would marry Mike Connelly; hence the 11promise of the £500 seemed to poor Patsey like a gift from heaven.

It was arranged regorafenib , in order that no suspicion should be drawn down on him, that Mulligan should leave his letter at night-time when going to meet Bridgie O’Hara under a certain large stone a few feet from where they were, near the point where the track and road met. As there was nothing more to settle, Blake told Mulligan to go home at once, while he and the constable made their way back to the barracks, and the following day Blake returned to Ballybor.

At this time Blake found that several of his men showed a strong disinclination to leave the barracks, and remembering how hard it used to be sometimes during the war to get men who had been stuck in trenches for months to go “over the top,” he decided to organise strong daylight patrols so that each man should leave his barracks for a certain number of hours every day. In addition to patrols round Ballybor, he sent out a strong patrol on certain days to work its way across country—always by a different route—to Grouse Lodge Barracks, where the patrol spent the night, returning to Ballybor across country the following day.


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let us hear what Ralph has

Hum; you wait here a minute, Jimmie QV baby . I don’t quite understand what brought you here, and if you don’t want to tell me I won’t ask you. But you wait here a minute and I’ll see what I can do.”

Say, you will? Kin you put me to woik? Say, you’re all right, you are, mister. I’ll bet you’d have put that braky away in a couple of punches, big as he wuz.”

And the boy gazed admiringly after Ralph’s athletic form as the latter hastened toward the group at the end of the platform. They were standing beside what appeared to be a small mountain of baggage and they had just noticed his absence.

Well, what under the sun——?” began Harry Ware, whose full name, H. D. Ware, was ielts registration hk , of course, shortened at Stone fell College to Hardware.

Simpering serpents, Ralph,” broke in Percy Simmons, who, equally, of course, was known to[14] his boyish chums as Persimmons, grinning gargoyles, we knew this was to be a collecting trip, but you appear to have started by acquiring a scarecrow!”

Hold on a minute, boys,” cried Ralph, half laughingly, for Persimmons’ odd way of talking and explosive exclamations made everyone who knew him smile. Hold on; listen to what happened.”

The eldest member of the group, a tall and angular, but withal good-natured and kindly looking man with a pair of shell-rimmed spectacles perched across his bony nose hair restoration , now struck in.

Yes, boys; let us hear what Ralph has been up to now. I declare, since our experience along the Border I’m prepared for anything.”

Even what may befall us in the Canadian Rockies, eh, Professor Wintergreen?” asked Ralph. Well, that lad yonder, if I’m not much[15] mistaken, is our future deputy cook, bottlewasher, and midshipmate.”

They all stared at him. Persimmons was the first to recover his voice.

Giggling gophers,” he gasped, as if Hardware hadn’t brought along enough patent dingbats without your adding a live one to the collection!”
CHAPTER II.  THE TORRENT.
Vacation time had rolled around once more at Stonefell College, which accounts for our finding Professor Wintergreen, Ralph Stetson, and the latter’s chums at this isolated spot in the heart of the Canadian Rockies. Readers of former volumes of this series will at once recall the eccentric professor and his young companion Ralph. Harry Ware and Percy Simmons, however, we have not met before. Jack Merrill and Walt Phelps, the two young ranchmen who shared Ralph’s adventure on the Mexican border, could not be with him on the present vacation, both boys being required at their western homes.


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which worked on my

In the beginning of March, 1884 reenex facial , I travelled from Zurich, through Basel, to Freiburg in Baden. The object of my journey was to smuggle over the frontier a quantity of Russian socialistic literature, printed in Switzerland, in order that it might then be distributed by secret channels throughout Russia, where of course it was prohibited. In Germany a special law against the Social-Democratic movement was then in force. The Sozialdemokrat was published in Zurich, and had to be smuggled over the German frontier, where the watch was very keen, rendering most difficult the despatch to Russia of Russian, Polish, and other revolutionary literature printed in Switzerland. Before the enactment of the special law in August, 1878, the procedure had been simple. At that time the publications were sent by post to some town in Germany near the Russian border, and thence, by one way or another, despatched to Russia. Later, however, it became necessary to convey them as travellers’ luggage across the German frontier, in order to get them through the custom-house, after which they could be forwarded to some German town nearer the 2Russian border. It was on this transport business that I was engaged.

My luggage consisted of two large boxes, half-filled with literature, and their upper parts packed with linen and other wearing apparel, that the Customs officers might not be suspicious. In one trunk I had men’s clothes, in the other women’s interior designer , supposed to belong to my (non-existent) wife; and for this reason there really was a lady present at the Customs examination in Basel,—the wife of my friend Axelrod from Zurich. She offered to take further charge of the transport, thinking she would run less risk than I if the police became suspicious. As, however, the examination of the luggage went off quite smoothly, I declined the offer, hardly thinking any further trouble probable.

Besides Frau Axelrod a Basel Socialist was with me at the station. He had advised me how to carry out my perilous mission, for he was experienced in such business, having managed many transports of forbidden literature. Only a few days before, accompanied by a Polish acquaintance of mine, Yablonski, he had been to Freiburg, whence they had despatched some Polish literature. He now recommended to me a cheap hotel in Freiburg, close to the station; and in good spirits I climbed into a third-class carriage. It was a Sunday, and the carriage was filled with people in gay holiday mood. Songs were sung, and unrestrained chatter filled the air. The guard was pompous and overbearing, as often happened then on German lines; I do not know if it is so still. When he saw that I was smoking, he told me very rudely, with a great show of official zeal, that this was not a smoking carriage. I answered politely that I had not been aware of it, and at once threw away my cigarette. He insisted peremptorily, however, that I must change carriages. “A bad omen,” thought I, and still recall the sensation. I was out of temper, and felt irritated and uncomfortable. The weather, too, grew overcast, and a cold drizzle set in, which worked on my nerves.

3The train moved off Pretty Renew, and before I had got over my grumbling humour we were at Freiburg. It was between seven and eight in the evening. Landed on the platform, I looked out the porter of the Freiburger Hof, and gave him my luggage-check. He noticed at once that it showed the unusual weight of my boxes, and expressed his surprise thereat. To quiet any suspicion I told him at once unconcernedly that I was a student, and intended to study at Freiburg University, and that it was my books which made the trunks so heavy. The hotel was soon reached, and a room engaged, after which I betook myself to the restaurant for supper. As I passed by the buffet I saw the porter whispering earnestly with another man, apparently the landlord. Directly I had finished my meal the waiter brought me the visitors’ book; and as I had a Russian passport, lent me by a friend at the time of my flight from Russia, I at once signed myself in my friend’s name, “Alexander Bulìgin, of Moscow.” I then ordered writing materials and went to my room, but had barely shut the door behind me when there came a knock.


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know any more than a baby

However reenex facial , if there’s one thing more than another that my heart is set to resist, it is letting this prophecy be fulfilled in our time. I’d rather compass sea and land to find a Mortimer! I’d rather set out, old as I am, and hunt for one with a lantern through the world! Sarah, though she is so capricious and contrary, is of the same mind. It was she who told me of this Mr. Richard Arkwright, whom I had forgotten all about. And yet, you see, after showing such decided interest, she turns upon one so! What a very odd thing it is that she did not marry! I never could make it out, for my part. Nobody could imagine, to see her now, how very pretty, nay, how beautiful she was; and such a way with her! and dressed, to be sure, like a duchess. All the young men in the county were after her before she went abroad. But dear, dear! to think what a changed life when she came home, and lost her voice, and shut herself up in her own room.

There is nothing I dislike more than curiosity, or prying, or suspiciousness; but I should like to know the rights of it—how Sarah went on abroad. To be sure my father was anxious enough that she should get married, and have a good humble-minded husband, who would take the name of Mortimer. It was only me that he would not hear of any proposal for. I don’t think he would have broken his heart if, like the Milly Mortimer in Queen Anne’s time, I had been so obliging as to die.

However, here we are, just as we were in the nursery, two Miss Mortimers. Sarah, who might have had half a dozen good marriages, just the same as I am; and I protest I don’t even know that there are two people existing in the world who have the smallest collateral right to divide the property and take it away from the name; unless Richard Arkwright{15} should happen to have co-heiresses! married to husbands who will not change to Mortimer! Don’t let me think of such a horror!

These are our circumstances in the meantime reenex hong kong . It is a very sad thing for a family when there are no collateral branches. I forgot to say that how this Richard Arkwright came about, was by the strange accident of Squire George, who died in 1713, having two sons!
Chapter V.
DURING all this time—and indeed, after all, it was only a single day—I had forgotten all about Mr. Cresswell and his Sara reenex hong kong . He and his family had been our family’s solicitors for a great many generations. He knew all our secrets that we knew ourselves. It is only about twenty years since he succeeded his father in the business, and married that pretty delicate young creature, the clergyman’s daughter of St. John’s. She died very early, poor thing, as was to be expected, and Sara is his only child. But, of course, he does not know any more than a baby how to manage a pretty fantastical young girl. They are a very respectable, substantial family in their way, and have been settled in their house in Chester for a very long time—though, of course, it would be absurd to call a family of solicitors an old family—and Mr. Cresswell is very well off in the world, and can give a very pretty fortune to his daughter; yet the covetous old fox has actually a fancy in his mind—I could see it when he was last here—that if Sara only played her cards well she might be heiress of the Park, and succeed Sarah and me. An attorney’s daughter! Not that I mean to put a slight upon Sara, who is our godchild, and a very sweet, pretty girl. But to fancy that old Cresswell could take up such an idea, and I not find him out! It is odd, really, how the cleverest of men deceive themselves. He will take every means to find out Richard Mortimer all the same. He’ll not fail of his duty, however things may turn out, I{16} know that; but to think at the very bottom of his sly old heart that he should have a hankering after the Park! It is quite inconceivable what fancies will take hold of men.


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I can hear now the old

Among other trifles which our very complete outfit had comprehended was a small steamboat adapted for the tortuous but necessary navigation of the Yarra Yarra, of which noble stream, moving calmly through walls of ti-tree, we commenced to make the acquaintance. This steamerlet—she was a very tiny automaton, puffing out of all proportion to her speed—but the only funnel-bearer—think of that, Victorians of this high-pressure era!—had been sent down by the head of the family the voyage before, safely bestowed upon the deck of a larger vessel. "The Movastar was a better boat," I daresay, but the tiny Firefly bore us and the Lares and Penates of many other "first families"—in the sense of priority—safely to terra firma on the north side of what was then called the "Yarra Basin." This was an oval-shaped natural enlargement of the average width of the river, much as a waterhole in a creek exceeds the ordinary channel. The energetic Batman and the sturdy Cobbett of the south, Pascoe Fawkner, had thought it good to set about making a town, and here we found the bustling Britisher of the period engaged in building up Melbourne with might and main. Our leader laid it down at that[Pg 4] time, as the result of his experience of many lands, that the new colony, being outside of 36 deg. south latitude, would not be scourged with droughts as had been New South Wales from her commencement. In great measure, and absolutely as regarding the western portions of Victoria, this prophecy has been borne out.

Sufficient time had elapsed for the army of mechanics ultra former hifu , then established in Port Phillip, to erect many weatherboard and a few brick houses. Into a cottage of the latter construction we were hastily inducted, pending the finishing of a two-storied mansion in Flinders Street, not very far from Prince's Bridge. Bridge was there none in those days, it is hardly necessary to say; not even the humble one with wooden piers that spanned the stream later, and connected Melbourne people with the sandy forest of South Yarra, then much despised for its alleged agricultural inferiority: still there was a punt. You could get across, but not always when you wanted. And I recall the incident of Captain Brunswick Smyth, late of the 50th Regiment, and the first commandant of mounted police, riding down to the ferry, from which the guardian was absent—"sick, or drunk, or suthin"—and, with military impatience, dashing on board with a brace of troopers, who pulled the lumbering barge across, and fastened her to the farther shore.

Large trees at that time studded the green meadow, which omega 3 , after the winter rain, was marshy and reed-covered. There did I shoot, and bear home with schoolboy pride, a blue crane—the Australian heron—who, being only wounded, "went near" to[Pg 5] pick out one of my eyes, wounding my cheek-bone with a sudden stab of his closed beak. The lovely bronze-wing pigeons were plentiful then amid the wild forest tracks of Newtown, afterwards Collingwood. Many times have I and my boy comrades stood at no great distance from the present populous suburb and wondered whether we were going straight for the "settlement," as we then irreverently styled the wonder-city. The streets of the new-born town had been "ruled off," as some comic person phrased it, very straight and wide; but there had not been sufficient money as yet available from the somewhat closely-guarded distant Treasury of Sydney to clear them from stumps. However, as in most communities during the speculative stage, any amount was forthcoming when required for purposes of amusement. Balls, picnics, races, and dinners were frequent and fashionable. Driving home from one of the first-named entertainments, through the lampless streets, a carriage, piloted by a gallant officer, came to signal grief against a stump. The ladies were thrown out, the carriage thrown over, and the charioteer fractured. Paterfamilias, absent on business, marked his disapproval of the expedition by resolutely refraining from repairing the vehicle. For years after it stood in the back yard with cracked panels, a monument of domestic miscalculation.

It must be terribly humiliating to the survivors of that " School staff figures ;first rush" to consider what untold wealth lay around them in the town and suburban allotments, which the most guarded investment would have secured. The famous subdivision in Collins Street, upon which the present Bank of Australasia now[Pg 6] stands, was purchased by the Wesleyan denomination for £70! Acres and half-acres in Flinders, Collins, and Elizabeth Streets were purchased at the first Government sales held in Sydney at similar and lower rates. I have heard the late Mr. Jacques, at that time acting as Crown auctioneer, selling at the Sydney markets ever so much of Williamstown, at prices which would cause the heart of the land-dealer of the present day to palpitate strangely. I can hear now the old gentleman's full, sonorous voice rolling out the words, "Allotment so-and-so, parish of Will-will-rook," the native names being largely and very properly used. "Villamanatah" and "Maribyrnong" occurred, I think, pretty often in the same series of sales. The invariable increase in prices after the first sales led naturally to a species of South Sea stock bubbledom. He who bought to-day—and men of all classes shared in the powerful excitement—was so certain of an advance of 25, 50, or cent per cent, that every one who could command the wherewithal hastened to the land lottery, where every ticket was a prize. Speculative eagles in flocks were gathered around the carcase. Borrowing existed then, though undeveloped as one of the fine arts compared to its latest triumphs; bills, even in that struggling infancy of banking, were thick in the air. Successful or prospective sales necessitated champagne lunches, whereby the empty bottles—erstwhile filled with that cheerful vintage—accumulated in stacks around the homes and haunts of the leading operators. The reigning Governor-General, on a flying visit to the non-mineral precursor of Ballarat and Bendigo, noted the unparalleled [Pg 7]profusion, and, it is said, refused on that account some request of the self-elected Patres Conscripti of our Rome in long clothes. Farms, in blocks of forty and eighty acres, had been marked off above the Yarra Falls. They had been purchased at prices tending to be high, as prices ruled then. But they could not have been really high, for one of them, since pretty well known as Toorak, for years rented for several thousands per annum, and possessing a value of about £1000 each for its eighty acres, was purchased by an early colonist for less than £1000, all told. It was subsequently sold by him, under the crushing pressure of the panic of 1842 and 1843, for £120.


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