There is another set of men in Wall-street, which demand my description. They have neither trade nor profession of any kind, and if they ever had any, they have abandoned it. Some of them are of that class called Gentlemen, who have married fortunes and squandered them—some are broken merchants—some disgraced politicians—defunct post masters, &c. &c.,—and all of them are Loafers. They have neither wit enough to contrive, nor credit enough to carry out, a speculation: but when one has begun, like that I am now describing, they may be seen flocking in and out of the brokers’ offices—examining the stock books—talking wisely of the nation’s affairs—each one pretending to know more of finance than even Mr. Woodbury himself; and their exuberance of knowledge is almost as luminously exhibited. Like flies round a honey pot, each one is anxious for a sip, and according to his slender means, pledges a hundred dollars, more or less, and orders his broker to buy as many shares as he will upon this security. They thus materially aid the great speculators; but the result to themselves generally is, that their families or friends suffer precisely the amount they have risked—and so it was in this instance. DEEP IN FOR IT. Mr. Friendly continued to purchase largely of the Morrison stock, which increased the excitement, and continually advanced the price; and Mr. Spriggins, nettled by Friendly’s reserve towards him, continued to be a large purchaser also, and induced several of his friends to join him. It ought to be observed here, that these purchases were generally made “on time:” that is, the stock was agreed to be delivered at a future day. And it so happened that when Spriggins was the buyer, Mr. Friendly was generally the seller, through some other persons, as his agents; and he had taken care so to provide himself with stock, that he could meet his contracts on time—not only without the danger of loss, but with a certain profit. HOW SOME PEOPLE NEGOTIATE LOANS.