Mr. Cutter had experienced what our city boys would regard as a rough beginning in life. At sixteen he went into a store at Royalton, Massachusetts, at a salary of _four dollars a month_ and board; and at the end of a year had saved one dollar and a half. His pay being increased to one hundred dollars for the next year, he ventured upon the luxury of a pair of boots. In September, 1815, having proven his mettle as an active, capable and honest young man, he was translated to a large jobbing house, on Cornhill, Boston, the salary being board and clothing. Having been born at Jeffrey, New Hampshire, June 5, 1797, at the end of three years apprenticeship in the Boston establishment, he arrived at the age of twenty-one, and became his own master. The firm offered him a credit for dry goods to the amount of $10,000, with which to go west and seek his fortune, but before accepting the offer he concluded to go and see if he could find a suitable place for trade, but as he had no money, it was necessary to borrow $400 for the expenses of the trip. With a pair of well filled saddlebags as an outfit, he started, and in due time arrived at Black Rock, and from thence proceeded, as above narrated, to Cleveland, on a tour of examination. Cleveland had then about two hundred inhabitants, and four stores. Water street was cleared out sufficiently for the purposes of travel to the lake. It was also prepared for a race course--for which purpose it was used for a number of years. Twenty or thirty German teams from Pennsylvania, Stark, Wayne and other counties, laden with flour, each team having from four to six horses, encamped in Superior street at night, and gave Cleveland such a business appearance that Mr. Cutter took a fancy to it. After two weeks, Mr. Cutter set sail in the schooner Wasp for Sandusky, where there was a natural harbor, and from thence in the Fire Fly, for Detroit. But his thoughts reverted to Cleveland, and forming a partnership with Messrs. Mack & Conant, of Detroit, the firm purchased twenty thousand dollars worth of dry goods, groceries, and a general assortment for an extensive establishment here.