JACOB DIX was a pawnbroker, but not a Jew, notwithstanding his occupation and the Hebraic sound of his baptismal name. He was so old that no one knew his real age; so grotesque in looks that children jeered at him in the streets; so avaricious that throughout the neighborhood he was called "Skinflint." If he possessed any hidden good qualities to counterbalance his known bad ones, no person had ever discovered them, or even had taken the trouble to look for them.

Certainly Jacob, surly and uncommunicative, was not an individual inclined to encourage uninvited curiosity. In his pawn-shop he lived like an ogre in a fairy-tale castle, and no one ever came near him save to transact business, to wrangle during the transaction thereof, and to curse him at its conclusion. Thus it may be guessed that Jacob drove hard bargains.

The pawn-shop--situated in Carby's Crescent, Lambeth--furthermore resembled an ogre's castle inasmuch as, though not filled with dead men's bones, it contained the relics and wreckage, the flotsam and jetsam, of many lives, of many households.

Placed in the center of the dingy crescent, it faced a small open space, and the entrance of the narrow lane which led therefrom to the adjacent thoroughfare. In its windows--begrimed with the dust of years—a heterogeneous mixture of articles was displayed, ranging from silver teapots to well-worn saucepans; from gold watches to rusty flatirons; from the chisel of a carpenter to the ivory framed mirror of a fashionable beauty. The contents of Dix's window typified in little the luxury, the meanness, the triviality and the decadence of latter-day civilization.