Mr. Wapshot concluded his tale by borrowing half-a-crown from me (it was at the Somerset Coffee-house in the Strand, where he came, in the year 1832, to wait upon me), and I saw him go from thence into the gin-shop opposite, and come out of the gin-shop half-an-hour afterwards, reeling across the streets, and perfectly intoxicated. He died next year: when his widow, who called herself Mrs. Hoggarty-Grimes-Wapshot, of Castle Hoggarty, said that over the grave of her saint all earthly resentments were forgotten, and proposed to come and live with us; paying us, of course, a handsome remuneration. But this offer my wife and I respectfully declined; and once more she altered her will, which once more she had made in our favour; called us ungrateful wretches and pampered menials, and left all her property to the Irish Hoggarties. But seeing my wife one day in a carriage with Lady Tiptoff, and hearing that we had been at the great ball at Tiptoff Castle, and that I had grown to be a rich man, she changed her mind again, sent for me on her death-bed, and left me the farms of Slopperton and Squashtail, with all her savings for fifteen years. Peace be to her soul! for certainly she left me a very pretty property. Though I am no literary man myself, my cousin Michael (who generally, when he is short of coin, comes down and passes a few months with us) says that my Memoirs may be of some use to the public (meaning, I suspect, to himself); and if so, I am glad to serve him and them, and hereby take farewell: bidding all gents who peruse this, to be cautious of their money, if they have it; to be still more cautious of their friends' money; to remember that great profits imply great risks; and that the great shrewd capitalists of this country would not be content with four per cent. for their money, if they could securely get more: above all, I entreat them never to embark in any speculation, of which the conduct is not perfectly clear to them, and of which the agents are not perfectly open and loyal.