I have related in “Memories” how malignancy went to the extent not only of declaring that I had sold my country to the Germans (so beautifully denied by Sir Julian Corbett), but also that I had formed “Syndicates” and “Rings” for my own financial advantage, using my official knowledge and power to further my nefarious schemes for making myself quickly rich! I have denied this by the Income Tax Returns--and I have also explained I am still poor--very poor--because one-third of my pension goes in income tax and the remaining two-thirds is really only one-third because of depreciation of the pound sterling and appreciation of food prices! But let that pass. However, I’ve been told I ought to mention I had another very brilliant opportunity of becoming a millionaire in A.D. 1910, but declined. And also it has been requested of me to state the fact that never in all my life have I belonged to any company of any sort beyond possessing shares, or had any place of profit outside the Navy. That is sufficiently definite, I think, to d----n my enemies and satisfy my friends. My finances have always been at a low ebb (even when a Commander-in-Chief), as I went on the principle of “whatever you do, do it with all your might,” and there is nothing less conducive to “the fighting efficiency of a Fleet and its instant readiness for war” than a Stingy Admiral! The applications for subscriptions which were rained upon me I countered with this inestimable memorandum in reply, invented by my sympathetic Secretary:--“The Admiral deeply regrets being unable to comply with your request, and he deplores the reason--but his Expenditure is in excess of his Receipts.” I always got sympathy in return, more especially as the Local Applicants were largely responsible for the excess of expenditure. At an early period of my career I certainly did manage on very little, and it is wonderful what a lot you can get for your money if you think it over. I got breakfast for tenpence, lunch for a shilling and dinner for eighteen pence and barley water for nothing and a bed for three and sixpence (but my bedroom had not a Southern aspect). The man I hired a bedroom from was like a Father to me, and I have never had such a polish on my shoes. (I remember saying to a German Boots, pointing to my badly-cleaned shoes, “Spiegel!”--looking-glass; he took away the shoes and brought them back shining like a dollar. Hardly anyone will see the joke!) But what I am most proud of is that, financial necessity once forcing me to go to Marienbad quite alone, I did a three weeks’ cure there, including the railway fare and every expense, for twenty-five pounds. I don’t believe any Economist has ever beaten this. I preserve to this day the details of every day’s expenditure, which I kept in a little pocket-book, and read it all over only a couple of days ago, without any wish for past days.