Famous Givers and Their Gifts

Mr. Randall asked the energetic young Frenchman to take the position of first officer in his ship L'Aimable Louise. This resulted so satisfactorily that Girard was taken into partnership, and became master of the vessel in her trade with New Orleans and the West Indies.

After nearly two years, in May, 1776, Girard was returning from the West Indies, and in a fog and storm at sea found himself in Delaware Bay, and learned that a British fleet was outside. The pilot, who had come in answer to the small cannon fired from Girard's ship, advised against his going to New York, as he would surely be captured, the Revolutionary War having begun. As he had no American money with him, a Philadelphia gentleman who came with the pilot loaned him five dollars. This five-dollar loan proved a blessing to the Quaker City, when in after years she received millions from the merchant who came by accident into her borders.

Captain Girard sold his interest in L'Aimable Louise, and opened a small store on Water Street, putting into it his cargo from the West Indies. He hoped to go to sea again as soon as the war should be over, and conferred with Mr. Lum, a plain shipbuilder near him on Water Street, about building a ship for him. Mr. Lum had an unusually beautiful daughter, Mary, a girl of sixteen, with black hair and eyes, and very fair complexion. Though eleven years older than Mary, Stephen Girard fell in love with her, and was married to her, June 6, 1777, before his family could object, as they soon did strenuously, when they learned that she was poor and below him in social rank.

About three years after the marriage, Jean visited his brother Stephen in America, and seems to have appreciated the beautiful and modest girl to whom the family were so opposed. Henry Atlee Ingram, LL.B., in his life of Girard, quotes several letters from Jean after he had returned to France, or when at Cape François, San Domingo: "Be so kind as to assure my dear sister-in-law of my true affection… Say a thousand kind things to her for me, and assure her of my unalterable friendship… Thousands and thousands of friendly wishes to your dear wife. Say to her that if anything from here would give her pleasure, to ask me for it. I will do everything in the world to prove to her my attachment… I send by Derussy the jar which your lovely wife filled for me with gherkins, full of an excellent guava jelly for you people, besides two orange-trees. He has promised me to take care of them. I hope he will, and embrace, as well as you, my ever dear Mary."

Three or four months after his marriage, Lord Howe having threatened the city, Mr. Girard took his young wife to Mount Holly, N.J., to a little farm of five or six acres which he had purchased the previous year for five hundred dollars. Here they lived in a one-story-and-a-half frame house for over a year, when they returned to Philadelphia and he resumed his business. He had decided already to become a citizen of the Republic, and took the oath of allegiance, Oct. 27, 1778.

Mr. Lum at once began to build the sloop which Mr. Girard was planning when he first met Mary, and she was named the Water-Witch. Until she was shipwrecked, five or six years later, Mr. Girard believed she could never cause him loss. Already he was worth over one hundred and fifty thousand dollars, made by his own energy, prudence, and ability; but he lived with great simplicity, and was accumulating wealth rapidly. In 1784 he built his second vessel, named, in compliment to Jean, the Two Brothers.

The next year, 1785, when he was thirty-five years old, the great sorrow of his life came upon him. The beautiful wife, only a little beyond her teens, became melancholy, and then hopelessly insane. Mr. Ingram believes the eight years of Mary Girard's married life were happy years, though the contrary has been stated. Without doubt Mr. Girard was very fond of her, though his unbending will and temper, and the ignoring of her relatives, were not calculated to make any woman continuously happy. Evidently Jean, who had lived in the family, thought no blame attached to his brother; for he wrote from Cape François: "It is impossible to express to you what I felt at such news. I do truly pity the frightful state I imagine you to be in, above all, knowing the regard and love you bear your wife… Conquer your grief, and show yourself by that worthy of being a man; for, dear friend, when one has nothing with which to reproach one's self, no blow, whatsoever it may be, should crush him."

After a period of rest, Mrs. Girard seemed to recover. Stephen and Jean formed a partnership, and the former sailed to the Mediterranean on business for the firm. After three years the partnership was dissolved by mutual consent, Stephen preferring to transact business alone. As soon as these matters were settled, he and his wife were to take a journey to France, which country she had long been anxious to visit. Probably the family would then see for themselves that the unassuming girl made an amiable, sensible wife for their eldest son.

In the midst of preparations, the despondency again returned; and by the advice of physicians, Mrs. Girard was taken to the Pennsylvania Hospital, at Eighth and Spruce Streets, Aug. 31, 1790, where she remained till her death in 1815, insane for over twenty-five years. She retained much of the beauty of her girlhood, lived on the first floor of the hospital in large rooms, had the freedom of the grounds, and was "always sitting in the sunlight." Her mind became almost a blank; and when the housekeeper came bringing the little daughters of Jean, Mrs. Girard scarcely recognized her.

To add still more to Mr. Girard's sorrow, after his wife had been at the hospital several months, on March 3, 1791, a daughter was born to her, who was named for the mother, Mary Girard. The infant was taken into the country to be cared for, and lived but a few months. It was buried in the graveyard of the parish church.

Bereft of his only child, his home desolate, Mr. Girard plunged more than ever into the whirl of business. He built six large ships, naming some of them after his favorite authors, – Voltaire, Helvetius, Montesquieu, Rousseau, Good Friends, and North America, – to trade with China and India, and other Eastern countries. He would send grain and cotton to Bordeaux, where, after unloading, his ships would reload with fruit and wine for St. Petersburg. There they would dispose of their cargo, and take on hemp and iron for Amsterdam. From there they would go to Calcutta and Canton, and return, laden with tea and silks, to Philadelphia.

Little was known about the quiet, taciturn Frenchman; but every one supposed he was becoming very rich, which was the truth. He was not always successful. He says in one of his letters, "We are all the subjects of what you call 'reverses of fortune.' The great secret is to make good use of fortune, and when reverses come, receive them with sang froid, and by redoubled activity and economy endeavor to repair them." His ship Montesquieu, from Canton, China, arrived within the capes of Delaware, March 26, 1813, not having heard of the war between America and England, and was captured with her valuable cargo, the fruits of the two years' voyage. The ship was valued at $20,000, and the cargo over $164,000. He immediately tried to ransom her, and did so with $180,000 in coin. When her cargo was sold, the sales amounted to nearly $500,000, so that Girard's quickness and good sense, in spite of the ransom, brought him large gains. The teas were sold for over two dollars a pound, on account of their scarcity from the war.

Mr. Girard rose early and worked late. He spent little on clothes or for daily needs. He evidently did not care simply to make money; for he wrote his friend Duplessis at New Orleans: "I do not value fortune. The love of labor is my highest ambition… I observe with pleasure that you have a numerous family, that you are happy in the possession of an honest fortune. This is all that a wise man has a right to wish for. As to myself, I live like a galley-slave, constantly occupied, and often passing the night without sleeping. I am wrapped up in a labyrinth of affairs, and worn out with care."

To another he wrote: "When I rise in the morning my only effort is to labor so hard during the day that when the night comes I may be enabled to sleep soundly." He had the same strong will as in his boyhood, but he usually controlled his temper. He kept his business to himself, and would not permit his clerks to gossip about his affairs. They had to be men of correct habits while in his employ. Having some suspicion of one of the officers of his ship Voltaire, he wrote to Captain Bowen: "I desire you not to permit a drunken or immoral man to remain on board of your ship. Whenever such a man makes disturbance, or is disagreeable to the rest of the crew, discharge him whenever you have the opportunity. And if any of my apprentices should not conduct themselves properly, I authorize you to correct them as I would myself. My intention being that they shall learn their business, so after they are free they may be useful to themselves and their country."

Mr. Girard gave minute instructions to all his employees, with the direction that they were to "break owners, not orders." Miss Louise Stockton, in "A Sylvan City, or Quaint Corners in Philadelphia," tells the following incident, illustrative of Mr. Girard's inflexible rule: "He once sent a young supercargo with two ships on a two years' voyage. He was to go first to London, then to Amsterdam, and so from port to port, selling and buying, until at last he was to go to Mocha, buy coffee, and turn back. At London, however, the young fellow was charged by the Barings not to go to Mocha, or he would fall into the hands of pirates; at Amsterdam they told him the same thing. Everywhere the caution was repeated; but he sailed on until he came to the last port before Mocha. Here he was consigned to a merchant who had been an apprentice to Girard in Philadelphia; and he, too, told him he must not dare venture near the Red Sea.

"The supercargo was now in a dilemma. On one side was his master's order; on the other, two vessels, a valuable cargo, and a large sum of money. The merchant knew Girard's peculiarities as well as the supercargo did; but he thought the rule to "break owners, not orders" might this time be governed by discretion. 'You'll not only lose all you have made,' he said, 'but you'll never go home to justify yourself.'

"The young man reflected. After all, the object of his voyages was to get coffee; and there was no danger in going to Java, so he turned his prow, and away he sailed to the Chinese seas. He bought coffee at four dollars a sack, and sold it in Amsterdam at a most enormous advance, and then went back to Philadelphia in good order, with large profits, sure of approval. Soon after he entered the counting-room Girard came in. He looked at the young fellow from under his bushy brows, and his one eye gleamed with resentment. He did not greet him, nor welcome him, nor congratulate him, but, shaking his angry hand, cried, 'What for you not go to Mocha, sir?' And for the moment the supercargo wished he had. But this was all Girard ever said on the subject. He rarely scolded his employees. He might express his opinion by cutting down a salary, and when a man did not suit him he dismissed him."

When one of Girard's bookkeepers, Stephen Simpson, apparently with little or no provocation, assaulted a fellow bookkeeper, injuring him so severely about the head that the man was unable to leave his home for more than a week, Girard simply laid a letter on Simpson's desk the next morning, reducing his salary from fifteen hundred dollars to one thousand per annum. The clerk was very angry, but did not give up his situation. When an errand-boy was caught in the act of stealing small sums of money from the counting-house, Mr. Girard put a more intricate lock on the money-drawer, and made no comment. The boy was sorry for his conduct, and gave no further occasion for complaint.

Girard believed in labor as a necessity for every human being. He used to say, "No man shall be a gentleman on my money." If he had a son he should labor. He said, "If I should leave him twenty thousand dollars, he would be lazy or turn gambler." Mr. Ingram tells an amusing incident of an Irishman who applied to Mr. Girard for work. "Engaging the man for a whole day, he directed the removal from one side of his yard to the other of a pile of bricks, which had been stored there awaiting some building operations; and this task, which consumed several hours, being completed, he was accosted by the Irishman to know what should be done next. 'Why, have you finished that already?' said Girard; 'I thought it would take all day to do that. Well, just move them all back again where you took them from; that will use up the rest of the day;' and upon the astonished Irishman's flat refusal to perform such fruitless labor, he was promptly paid and discharged, Girard saying at the same time, in a rather aggrieved manner, 'I certainly understood you to say that you wanted any kind of work.'"

Absorbed as Mr. Girard was in his business, cold and unapproachable as he seemed to the people of Philadelphia, he had noble qualities, which showed themselves in the hour of need. In the latter part of July, 1793, yellow fever in its most fatal form broke out in Water Street, within a square of Mr. Girard's residence. The city was soon in a panic. Most of the public offices were closed, the churches were shut up, and people fled from the city whenever it was possible to do so. Corpses were taken to the grave on the shafts of a chaise driven by a negro, unattended, and without ceremony.

"Many never walked in the footpath, but went in the middle of the streets, to avoid being infected in passing houses wherein people had died. Acquaintances and friends avoided each other in the streets, and only signified their regard by a cold nod. The old custom of shaking hands fell into such disuse that many shrank back with affright at even the offer of a hand. The death-calls echoed through the silent, grass-grown streets; and at night the watcher would hear at his neighbor's door the cry, 'Bring out your dead!' and the dead were brought. Unwept over, unprayed for, they were wrapped in the sheet in which they died, and were hurried into a box, and thrown into a great pit, the rich and the poor together."

"Authentic cases are recorded," says Henry W. Arey in his "Girard College and its Founder," "where parent and child and husband and wife died deserted and alone, for want of a little care from the hands of absent kindred."

In the midst of this dreadful plague an anonymous call for volunteer aid appeared in the Federal Gazette, the only paper which continued to be published. All but three of the "Visitors of the Poor" had died, or had fled from the city. The hospital at Bush Hill needed some one to bring order out of chaos, and cleanliness out of filth. Two men volunteered to do this work, which meant probable death. To the amazement of all, one of these was the rich and reticent foreigner, Stephen Girard. The other man was Peter Helm. The former took the interior of the hospital under his charge. For two months Mr. Girard spent from six to eight hours daily in the hospital, and the rest of the time helped to remove the sick and the dead from the infected districts round about. He wrote to a friend in Baltimore: "The deplorable situations to which fright and sickness have reduced the inhabitants of our city demand succor from those who do not fear death, or who at least do not see any risk in the epidemic which now prevails here. This will occupy me for some time; and if I have the misfortune to succumb, I will have at least the satisfaction to have performed a duty which we all owe to each other."

Mr. Ingram quotes from the United States Gazette of Jan. 13, 1832, the account of Girard at this time, witnessed by a merchant who was hurrying by with a camphor-saturated handkerchief pressed to his mouth: "A carriage, rapidly driven by a black servant, broke the silence of the deserted and grass-grown street. It stopped before a frame house in Farmer's Row, the very hotbed of the pestilence; and the driver, first having bound a handkerchief over his mouth, opened the door of the carriage, and quickly remounted to the box. A short, thick-set man stepped from the coach, and entered the house.

"In a minute or two the observer, who stood at a safe distance watching the proceedings, heard a shuffling noise in the entry, and soon saw the visitor emerge, supporting, with extreme difficulty, a tall, gaunt, yellow-visaged victim of the pestilence. His arm was around the waist of the sick man, whose yellow face rested against his own, his long, damp, tangled hair mingling with his benefactor's, his feet dragging helpless upon the pavement. Thus, partly dragging, partly lifted, he was drawn to the carriage door, the driver averting his face from the spectacle, far from offering to assist. After a long and severe exertion, the well man succeeded in getting the fever-stricken patient into the vehicle, and then entering it himself, the door was closed, and the carriage drove away to the hospital, the merchant having recognized in the man who thus risked his life for another, the foreigner, Stephen Girard."

Twice after this, in 1797 and 1798, when the yellow fever again appeared in Philadelphia, Mr. Girard gave his time and money to the sick and the poor.

In January, 1799, he wrote to a friend in France: "During all this frightful time I have constantly remained in the city, and without neglecting my public duties, I have played a part which will make you smile. Would you believe it, my friend, that I have visited as many as fifteen sick people in one day, and what will surprise you still more, I have lost only one patient, an Irishman, who would drink a little."

Busy, as a mariner, merchant, and helper of the sick and the poor, Mr. Girard found time to aid the Republic, to which he had become ardently attached. Besides serving for several terms in the City Council, and as Warden of the Port for twenty-two years, during the war of 1812 he rendered valuable financial aid. In 1810 Mr. Girard, having about one million dollars in the hands of Baring Bros. & Co., London, ordered the whole of it to be used in buying stock and shares of the Bank of the United States. When the charter of the bank expired in 1811, Mr. Girard purchased the whole outfit, and opened "The Bank of Stephen Girard," with a capital of one million two hundred thousand dollars. About this time, 1811, an attempt was made by two men to kidnap Mr. Girard by enticing him into a house to buy goods, then seize him, and carry him to a small ship in the Delaware, where he would be confined till he had paid the money which they demanded. The plot was discovered. After the men were arrested, and in prison for several months, one was declared insane, and the other was acquitted on the ground of comparative ignorance of the plot.

Everybody believed in Mr. Girard's honesty, and in the safety of his bank. He made temporary loans to the Government, never refusing his aid. When near the close of the war the Government endeavored to float a loan of five million dollars, the bonds to bear interest at seven per cent per annum, and a bonus offered to capitalists, there was so much indifference or fear of future payment, or opposition to the war with Great Britain, that only $20,000 were subscribed for. Mr. Girard determined to stake his whole fortune to save the credit of his adopted country. He put his name opposite the whole of the loan still unsubscribed for.

The effect was magical. People at once had faith in the Government, professed themselves true patriots, and persisted in taking shares from Mr. Girard, which he gave them on the original terms. "The sinews of war were thus furnished," says Mr. Arey, "public confidence was restored, and a series of brilliant victories resulted in a peace, to which he thus referred in a letter written in 1815 to his friend Morton of Bordeaux: 'The peace which has taken place between this country and England will consolidate forever our independence, and insure our tranquillity.'"

Soon after the close of the war, on Sept. 13, 1815, word was sent to Mr. Girard that his wife, still insane, was dying. Years before, when he found that she was incurable, he had sought a divorce, which those who admire him most must wish that he had never attempted; and the bill failed. He was now sixty-five, and growing old. His life had been too long in the shadow ever to be very full of light.

He asked to be sent for when all was over. Toward sunset, when Mary Girard was in her plain coffin, word was sent to him. He came with his household, and followed her to her resting-place, in the lawn at the north front of the hospital. "I shall never forget the last and closing scene," writes Professor William Wagner. "We all stood about the coffin, when Mr. Girard, filled with emotion, stepped forward, kissed his wife's corpse, and his tears moistened her cheek."

She was buried in silence, after the manner of the Friends, who manage the hospital. After the coffin was lowered, Mr. Girard looked in, and saying to Mr. Samuel Coates, "It is very well," returned to his home.

Mary Girard's grave, and that of another who died in 1807, giving the hospital five thousand dollars on condition that he be buried there, are now covered by the Clinic Building, erected in 1868. The bodies were not disturbed, as there is no cellar under the structure. As a reward for the care of his wife, soon after the burial Mr. Girard gave the hospital about three thousand dollars, and small sums of money to the attendants and nurses. It was his intention to be buried beside his wife, but this plan was changed later.

The next year, 1816, President Madison having chartered the second Bank of the United States, there were so few subscribers that it was evident that the scheme would fail. At the last moment Mr. Girard placed his name against the stock not subscribed for, – three million one hundred thousand dollars. Again confidence was restored to a hesitating and timid public. Some years later, in 1829, when the State of Pennsylvania was in pressing need for money to carry on its daily functions, the governor asked Mr. Girard to loan the State one hundred thousand dollars, which was cheerfully done.

As it was known that Mr. Girard had amassed great wealth, and had no children, he was constantly besought to give, from all parts of the country. Letters came from France, begging that his native land be remembered through some grand institution of benevolence.

Ambitious though Mr. Girard was, and conscious of the power of money, he had without doubt been saving and accumulating for other reasons than love of gain. His will, made Feb. 16, 1830, by his legal adviser, Mr. William J. Duane, after months of conference, showed that Mr. Girard had been thinking for years about the disposition of his millions. When persons seemed inquisitive during his life, he would say, "My deeds must be my life. When I am dead, my actions must speak for me."

To the last Mr. Girard was devoted to business. "When death comes for me," he said, "he will find me busy, unless I am asleep in bed. If I thought I was going to die to-morrow, I should plant a tree, nevertheless, to-day."

His only recreation from business was going daily to his farm of nearly six hundred acres, in Passyunk Township, where he set out choice plants and fruit-trees, and raised the best produce for the Philadelphia market. His yellow-bodied gig and stout horse were familiar objects to the townspeople, though he always preferred walking to riding.

His home in later years, a four-story brick house, was somewhat handsomely furnished, with ebony chairs and seats of crimson plush from France, a present from his brother Étienne; a tall writing-cabinet, containing an organ given him by Joseph Bonaparte, the brother of Napoleon, and the ex-king of Spain and Naples, who usually dined with Mr. Girard on Sunday; a Turkey carpet, and marble statuary purchased in Leghorn by his brother Jean. The home was made cheerful by his young relatives. He had in his family the three daughters of Jean, and two sons of Étienne, whom he educated.

He loved animals, always keeping a large watch-dog at his home and on each of his ships, saying that his property was thus much more efficiently protected than through the services of those to whom he paid wages. He was very fond of children, horses, dogs, and canary-birds. In his private office several canaries swung in brass cages; and these he taught to sing with a bird organ, which he imported from France for that purpose.