9. If you gave one of your relatives a million dollars, would you expect him to be grateful? Andrew Carnegie did just that. But if Andrew Carnegie had come back from the grave a little while later, he would have been shocked to find this relative cursing him! Why? Because Old Andy had left 365 million dollars to public charities—and had “cut him off with one measly million, ”as he put it.

42. When his son David graduated from Babson College in 1976,manufacturing in America was in an early phase of its long decline,and Worcester was still a centerfor the production of sandpaper,emery stones and other abrasives.

41. He spent most of his career in a rising market,putting customers into stocks that paid good dividends,and growing wealthy on real estate investments made yearsago,when Grafton was still semi-rural. The brokerage firm that employed himchanged hands more than once,but he continued to work out of the same office inWorcester.

40. Going to college wasn't an issue for grandfather Nicholson,or so he says. With World War ll approaching,he entered the Army not long after finishing high schooland, in the fighting in Italy,a battlefield commission raised him overnight fromenlisted man to first lieutenant. That was “" the equivalent of a college education , "as he now puts it,in an age when college on a stockbroker's resumé" counted forsomething, but not a lot."

39. Scott acknowledges that he is competitive with his brothers,particularly David,more than they are with him. The youngest,Bradley,22,has a year to go at theUniversity of Vermont. His parents and grandparents pay his way, just as they didfor his brothers in their college years.In the Old Days

38.“I'm sitting with the manager,and he asked me how I had gotten interested in insurance. I mentioned Dave's job in reinsurance,and the manager's response was,'Oh,that is about 15 steps above the position you are interviewing for , '"Scottsaid , his eyes widening and his voice emotional.

37. It was in pursuit of a solid job that Scott applied to Hanover International's management training program. Turned down for that,he was called back tointerview for the lesser position in the claims department.

36. He is earning $ 75,000 — a sum beyond Scott's reach today, but not his expectations.“I worked hard through high school to get myself into the college ldid ,"Scott said , " and then I worked hard through college to graduate with thegrades and degree that l did to position myself for a solid job.”( He majored inpolitical science and minored in history. )

35.“I'm fortunate to be at a company where there is some security ," he said,adding that he supports Scott in his determination to hold out for the right job."Once youstart working , you get caught up in the work and you have bills to pay , and you losesight of what you really want ," the brother said.

34. Her oldest,David Jr. , 26 ,did land a good job.Graduating from Middlebury College in 2006,he joined a Boston insurance company,specializing in reinsurance ,nearlythree years ago,before the recession.

33. "No one on either side of the family has ever gone through this," Mrs. Nicholson said, "and I guess I'm impatient. I know he is educated and has a great work ethic and wants to start contributing, and I don't know what to do. "