The Emma Harte 7-Book Collection: A Woman of Substance, Hold the Dream, To Be the Best, Emma’s Secret, Unexpected Blessings, Just Rewards, Breaking the Rules

Emma decided these comments were unworthy of a reply. Instead she stretched out her hand. ‘I have been so rude, Mr Lowther. I haven’t introduced myself. My name is Emma Harte.’

He took her hand tentatively. He felt its dry coolness through the crocheted glove and her grip was firm, strong like a man’s. ‘Pleased to meet you, Miss Harte,’ he said.

‘It’s Mrs Harte,’ said Emma.

‘Oh, excuse me,’ said Joe, assailed by unexpected disappointment.

Emma grabbed the moment to drive her point home. ‘I don’t know what the rent is, Mr Lowther, but I would be prepared to pay you several months in advance.’ She must make the offer so tempting he would not be able to refuse. ‘Shall we say six months in advance? Surely that shows you my good faith and also my belief in myself.’

Joe was floundering, his resolve crumbling under the force of her compelling and winning personality. He recognized he was drawn to her. Dangerously attracted to her. The unworldly Joe was horrified. A married woman! Then it came to him in a rush. That was the real reason he did not want her as a tenant. He was afraid of falling under her spell.

Emma knew she was holding all the cards and she made her final move. She leaned forward and touched his arm gently. Joe jumped as if bitten by a snake. ‘Look here, Mr Lowther,’ Emma said firmly. ‘I have another idea. Apart from paying you the rent in advance, I’m also prepared to give you a letter of agreement stating that should my business fail I will not vacate the premises until you find another tenant. In other words, I will guarantee to give you sufficient warning before leaving. Shall we say three months’ notice?’ she suggested in a guileless voice.

Joe found it impossible to argue with this girl. Not only were her terms sound, they were all in his favour. He would look like an imbecile if he refused such an offer. ‘Well,’ he said at last, ‘you are certainly confident of your success in the shop, Mrs Harte. Otherwise you wouldn’t suggest such an arrangement. But it’s fair enough, I suppose. Don’t you want to look over the shop first, before going into this venture?’

‘I know the shop, Mr Lowther,’ Emma said with an airy wave of her hand. ‘I went into it several times. Your previous tenant was badly organized, the stock was shoddy and far too expensive for its quality, and she was obviously not a very clever buyer. Not only that, she didn’t know her customers!’

‘Oh,’ said Joe, dumbfounded.

‘I presume it’s settled, Mr Lowther,’ said Emma briskly.

‘Er, yes, of course. I’ll rent the shop to you,’ he said. ‘For a guinea a week. That makes it four guineas a month. There are living quarters attached to the shop. A large kitchen-parlour, a bedroom, and a huge cellar for storage. You could live there, behind the shop, and very comfortably, if you had a mind to.’

Emma nodded. ‘Yes, I probably will live there. It makes sense. Now, four guineas a month is around forty-eight guineas a year, give or take a few shillings, isn’t it?’ She began to peel off the notes, doing some fast mental arithmetic. ‘Could I have a receipt, please?’ she asked politely, handing over the cash.

‘Naturally,’ said Joe. ‘And I will get you the key and the rent book. I’ll mark the book paid for six months. Should it be in your name or your husband’s?’

‘Mine, please. My husband is in the navy, Mr Lowther. In foreign parts.’

‘Is he really!’ said Joe.

Emma nodded and went on, ‘I’ll write you the letter of agreement about the three months’ notice. I’ll bring it around tomorrow evening. Is that convenient? You can show it to your solicitor, if you want.’

‘No. No. That’s not necessary. And tomorrow night is perfectly convenient,’ said Joe. He stood up. ‘I’ll go and get the key and the rent book. I’ll be back in a jiffy.’

‘Aren’t you going to count the money?’ Emma asked, nodding at the pounds in his hand.

‘I trust you,’ Joe said. ‘Please excuse me, Mrs Harte.’

Emma heard him whistling as he went through into the kitchen. A wide smile of self-congratulation mingled with exultation flew on to her face. She could hardly contain herself.

She now had her first shop.

CHAPTER THIRTY-FOUR (#ulink_827ef953-e229-5936-8315-4d17e9f90565)

Joe Lowther shrugged into his black overcoat and dug his hands into his pockets, shivering as he strode along at a brisk pace. A fierce wind was whistling down the lane and it blew the sleet and snow against his body in swirling flurries. He was drenched again, as he had been every night this week. December had ushered in the foulest weather, which now at the end of the first week appeared to have settled in for a long siege. He was later than ever tonight. Once again he had been inveigled into staying at the foundry to finish the books as a special favour to Mr Ramsbotham, who had lately acquired the annoying habit of piling extra work on him. His tardiness irritated him for another, more significant reason. Usually on Friday evening, after his supper, he went to Emma Harte’s to look over the books for her. Tonight he would not be able to get there until almost ten o’clock, and Joe, the product of a lower-middle-class upbringing, was rigid in his observance of the proprieties. It did not seem correct to go calling on a young woman who lived alone at such a late hour. Still, he had promised and he felt honour-bound to keep his word.

Joe had taught Emma bookkeeping, and supervising her ledgers was a practice he considered unnecessary these days. Nevertheless, it was one he did willingly and, if he was honest with himself, he looked forward to doing it. Emma had a staggering aptitude for figures and kept meticulous books. It had struck him recently that she actually enjoyed toiling over those endless columns of figures in a way he did not. If the truth be known, he did not like bookkeeping at all. It was hardly his vocation. However, he had been apprenticed in the accounting office at the foundry when he was fifteen, and after nine years it had become a way of life for him. It never occurred to Joe to seek a more congenial employer. He was too set in his ways and, since he was not ambitious and lacked the drive to strike out in new directions, he remained shackled to Ramsbotham’s dreary books. Nor did it ever occur to the stolid Joe that he did not have to work at all, if he chose not to. He detested idleness and, more importantly, he harboured a palpable fear of boredom. His job at the foundry filled his days and helped to counteract the empty evenings of solitude that yawned inexorably before him month after month, year after year.

But Joe Lowther could have stopped working when his mother had died four years ago. It was then that Frederick Ainsley, the family solicitor, had sent for him to hear the will read and Joe had discovered, to his profound astonishment, that his mother had left him not only in comfortable circumstances but extremely well off. ‘It is An Inheritance, my boy,’ Mr Ainsley had said, speaking in capitals as befitted the occasion and the size of the estate. ‘A tribute to your poor departed mother’s prodigious and most commendable efforts over the years, and to your grandmother’s before her,’ the solicitor had intoned. Frederick Ainsley had then gone on to enumerate the number of properties Joe now owned, thanks to the unflagging industriousness of those two women on the maternal side of the family. The Inheritance, which Joe immediately felt obliged to think of in Mr Ainsley’s large letters, included eight shops in Town Street, a row of cottages in Armley, several terrace houses in nearby Wortley, and, to Joe’s further incredulity, two large plots of land near St Paul’s Street in Leeds itself. ‘Better hang on to those, Joe,’ Ainsley had instructed. ‘They will increase in value. Lots of building going on in Leeds. When you do sell it should be for a high price.’ Finally, the speechless Joe had learned that his mother had left him fifty-five thousand pounds in cash in the Midland Bank. Joe had staggered out of the solicitor’s office reeling from shock on that awesome day. Later, sitting on the tram on his way home to Armley, a cold anger had settled over him. His mother had never ceased her querulous warnings of financial disaster looming on the horizon. His sweet-tempered and henpecked father had been mercilessly driven into an early grave from overwork and lack of nourishing food and proper medical attention. Why had his mother been so cruel when they had had so much? he had asked himself, and his resentment of her had not lessened with time.

Joe had not touched that capital during these past few years. He had simply added to it, paying the revenue from the properties into the bank every month. Unlike his avaricious mother, there was little cupidity in Joe and as long as he had sufficient for his daily needs that was good enough for him Most of the time money never crossed his mind at all.

However, he thought about it this night as he trudged through the dark wet streets. Two weeks earlier Emma had mentioned that she was investing in David Kallinski’s first clothing factory in York Road. She had already designed a line of ladies’ clothes for David and her enthusiasm was infectious. When Emma had suggested David might let him invest as well, Joe had been surprised. ‘Money should be made to work, Joe,’ Emma had pronounced, and she informed him that she hoped to double her money in no time at all.

Although Joe was cautious by nature, this was chiefly engendered by shyness, rather than any particular canniness. His laissez-faire attitude about finances had prompted him to shrug nonchalantly and agree to invest, if David wanted him to do so. Emma had said she would arrange it. ‘I think two thousand pounds would be just the right amount,’ she had gone on. ‘If you can afford it. As a financial man, you should know, without me telling you, that money is a tool to be used to make more money, Joe. What good is it doing in the bank?’

I don’t really need to make more money, Joe now said to himself. He was settled for life. On the other hand, he did not particularly want to lose two thousand pounds. He dismissed this negative thought. Joe had an infallible belief in Emma’s innate shrewdness, having witnessed it at first hand, and he had long recognized her brilliance in business matters, amazing for a twenty-year-old girl. He trusted her judgement. Also, Joe was intelligent enough to acknowledge that he was really investing in the clothing factory for the fun of it. He liked David and Emma, and because he had few friends and was miserably lonely, he longed to be involved in their lives, to be part of this exciting venture.

So caught up was he in his diverse thoughts Joe found himself on his own doorstep in no time at all. He knocked the snow off his boots as he climbed the steps. Delicious aromas of food cooking greeted him, and the warmth of the sparkling kitchen dispelled his lonely feelings.

Mrs Hewitt was setting the table for his supper. ‘There yer are, Joe,’ she cried, her face beaming. ‘By gum, yer look nithered ter death, luvey. Come ter the fire and get yerself warmed up.’

‘Hello, Mrs Hewitt,’ Joe said, taking off his cap and struggling out of his coat. He hurried over to the sink, rubbing his hands to dispel their iciness. He dried his hair and face, washed his hands, and then sat down by the fire. ‘It’s a blustery night, Mrs Hewitt, and very cold. I think there’ll be a hard frost.’

Mrs Hewitt nodded. ‘Aye, yer probably right, lad.’ She glanced at him and frowned, ‘Nay, Joe, don’t sit there in yer wet boots, luv. Take ’em off at once. That’s how yer get toothache, yer knows, luvey, sitting in wet boots.’

Joe smiled at this old wives’ tale, but he unlaced his boots and placed them on the hearth to please her. She was a nice old body and looked after him far better than his mother ever had, and three nights a week she helped to transform this depressing house into a home.

‘Look at this custard flan,’ Mrs Hewitt exclaimed, pointing to the dessert on the table. ‘Have yer ever seen owt as luvely? I bought it as pudding for yer, at Mrs Harte’s. By gum, Joe, no wonder she does a roaring trade. And the way she’s trained them two lasses of Mrs Long’s to be her helpers, why, it fair takes me breath away.’

Joe smiled at her. ‘I never thought she’d make such a go of it when she took that first shop. But she proved me wrong, and a lot of others as well.’

‘Aye, lad, she’s a right good tenant for yer,’ Mrs Hewitt conceded.

‘What’s for supper?’ Joe asked, warming his hands. ‘It smells good.’

‘I can’t be taking no credit for yer dinner tonight, Joe,’ the old woman replied. ‘I bought yer a steak-and-kidney pie from Mrs Harte’s, being as how yer liked the last one.’

‘It sounds grand, Mrs Hewitt.’

‘I was talking to Laura Spencer today, in the haberdashery, and do yer know, that wedding dress they’re making for me cousin’s lass is one of Mrs Harte’s own designs. Miss Spencer told me that Mrs Harte is going to be designing clothes for one of them big factory places in Leeds.’

‘So I understand,’ said Joe.

‘Fancy that and yer never told me, Joe.’

‘It didn’t occur to me, Mrs Hewitt. Is it so important?’

‘Of course it is, Joe. Anything ter do with Emma Harte is important. Why, everybody thinks she’s a right luvely young woman. So polite and dignified. The talk of Town Street with her fancy shops. And such a bonny lass.’ She carried the bowl of turnips to the oven and continued, ‘Would yer like a beer, Joe? I’ve got one cooling on the cellar head.’

‘I wouldn’t say no, Mrs Hewitt. Thank you.’ Joe lit his pipe and settled back in the chair, warming his damp feet.

‘Well, it’s all ready now, Joe,’ Mrs Hewitt proclaimed. ‘I’ve finished the pots and yer supper’ll stay nice and warm in the oven, luvey. Drink yer beer first, and then yer can help yerself later. I’ll have ter be off. Ta’rar.’

Later, after he had read the paper, Joe took out the meat pie and vegetables and settled down to his supper. He had just finished eating when a loud banging on the door brought him up with a start. The door burst open to admit a flurry of snow-flakes along with Mrs Minton, one of his tenants. Her face was purple and from the furious glint in her eyes Joe knew this was not caused by the icy wind but rather by her roiling temper.

‘Good heavens, Mrs Minton—’ he began.