Neville recalls asking his brother Victor, who made a fortune in Barbados starting from nothing, the secret of his success; Victor said he does not love money but loves people, and will see anyone regardless of the colour of their skin — Churchill would sit in the same seat as his porter.

Neville's brother Victor, at nineteen, saw a building on Main Street bearing 'F. N. Roach and Company' and would not move each morning until he had re-read the marquee as 'J.N. Goddard and Sons'; two years later the building came up for sale, a stranger with a lawyer bid on their behalf though they had no money or collateral, and they owned it — bought in 1921 for fifty thousand dollars and sold nine years ago to the Bank of Nova Scotia for eight hundred and forty thousand.

Neville tells how his brother Victor, who made a real fortune, confided his vision only to their mother — never to their father or the rest of the family — and for two years remained faithful to seeing the biggest building on the main street of Barbados reading J. N. Goddard & Sons.

Neville tells how his brother Victor, foreseeing the war in 1939, borrowed about $1,500,000 to fill Barbados warehouses with duty-free ships' stores; when no ships came and the government and rival merchants refused to let him sell the goods locally with duty paid, he had his lawyers define a ship so as to include a rowboat, advertised the duty-free goods to anyone owning a boat, and sold the lot in forty-eight hours, paying off the bank and making a fortune for the Goddards.

Neville's father spent years looking across at the larger Harrison building and feeling he owned it; in 1942 the absentee English owners instructed their Barbados representative to offer it to a decent island family, and within about a week the Goddards owned it.

Neville recounts his father's poverty, the family he had to feed, his mother's death in 1941, his father's refusal to remarry, and his father's death in 1959 at 85, leaving each of the ten children independently wealthy in company stock, now managed by his brother Victor.

Neville describes his brother Victor, who neither smokes nor drinks nor goes to church, sitting alone carrying on inner conversations from the premise of desires fulfilled; he is now the richest man in Barbados, takes a block of stock as his fee for advice, and calls himself 'a mule' with no children who must make money for the family.

His penniless brother Victor imagined for two years that the family name J. N. Goddard and Sons stood on a Barbados building's marquee instead of F. N. Roach & Co.; on the day of its sale an acquaintance offered to buy it for them on their signature alone, and they bought it for $50,000 in 1924 and sold it to a bank for $850,000.

Neville reports that his brother Victor's private family company, having started 'behind the 8-ball', did a forty-million-dollar business this year, and that he himself received a twenty-percent dividend on his stock — unusually high, he notes, because it is a private company that can pay what it wishes.

Neville's brother Victor, who reads no papers and owns no TV set, did a forty-million-dollar business this year in the family's private company and paid Neville a twenty per cent dividend on his stock while public companies' dividends fell.

He tells how his brother Victor, a boy who started with nothing, imagined owning a building as if it were true; two years later a stranger was the means by which they bought it, and the family is now the most financially prominent on the island, with the governor seeking Victor's advice.

Victor Goddard managed only one year of college before the family could not afford to keep him there and brought him home, but he knew how to dream; his father could sum a long column of figures at a glance.

Neville's father and brother Victor practised waking dreams, and today the family are at the top of the financial world in Barbados, with even the government consulting Victor before making great financial moves.