"There's no help for it--I've got to do it," said Jacob Dolph. It was another wintry morning, just after breakfast. The snow was on the ground, and the sleigh-bells up in Broadway sent down a faint jingling. Ten winters had come and gone, and Mr. Dolph was as comfortably stout as a man should be who is well fed and forty. He stood with his back to the fire, pulling at his whiskers--which formed what was earlier known as a Newgate collar--with his right thumb and forefinger. His left thumb was stuck in the armhole of his flowered satin waistcoat, black and shiny. Opposite him sat a man of his own age, clean-shaven and sharp-featured. He had calm, somewhat cold, gray eyes, a deliberate, self-contained manner of speaking, and a pallid, dry complexion that suited with his thin features. His dress was plain, although it was thoroughly neat. He had no flowered satin waistcoat; but something in his bearing told you that he was a man who had no anxiety about the narrow things of the counting-room; who had no need to ask himself how much money was coming in to-morrow. And at the same time you felt that every cent of whatever might be to-morrow's dues would find its way to his hands as surely as the representative figures stood on his ledger's page. It was young Mr. Van Riper--but he, too, had lost his right to that title, not only because of his years, but because, in the garret of the house in Greenwich Village, a cobweb stretched from one of the low beams to the head of old Abram Van Riper's great walking-stick, which stood in the corner where it had been placed, with other rubbish, the day after Abram Van Riper's funeral. "I should not advise it, Dolph, if it can be helped," Mr. Van Riper observed, thoughtfully. "It can't be helped." "I can give you your price, of course," Van Riper went on, with deliberation; "but equally of course, it won't be anything like what the property will bring in the course of a few years." Dolph kicked at the hearthrug, as he answered, somewhat testily: "I'm not making a speculation of it." Mr. Van Riper was unmoved. "And I'm not making a speculation of you, either," he said, calmly: "I am speaking only for your own benefit, Dolph." Mr. Dolph put his hands in his pockets, strode to the window and back again, and then said, with an uneasy little laugh: "I beg your pardon, Van Riper; you're quite right, of course. The fact is, I've got to do it. I must have the money, and I must have it now." Mr. Van Riper stroked his sharp chin. "Is it necessary to raise the money in that particular way? You are temporarily embarrassed--I don't wish to be intrusive--but why not borrow what you need, and give me a mortgage on the house?" Ten years had given Jacob Dolph a certain floridity; but at this he blushed a hot red. "Mortgage on the house? No, sir," he said, with emphasis. "Well, any other security, then," was Van Riper's indifferent amendment.