There was once a rich חסיד of the בעל שם טוב . We will call him ר‘ יעקב . One day, ר‘ יעקב was standing before the בעל שם טוב almost in tears.
"I can't understand it" he moaned "Everything I do is failing. I used to have such business sense. It's as though I've been cursed! Has someone cursed me?"
The בעל שם טוב said nothing. ר‘ יעקב tried to wait but the silence was unbearable. "Every time I make an investment, it fails. Every guess is wrong. I'm losing money left and right! What should I do?!"
The בעל שם טוב looked up at him sadly and said. "Do you have a snuff box?"
"Of course!" he replied as he nervously fumbled in his jacket pocket producing a small, finely decorated, golden box that he proceeded to open.
But the בעל שם טוב paid no attention and continued. "About a half year ago you were sitting in shul with some of your friends. You took that box out and offered them snuff. Do you remember?
"I... I don't.. that is...almost every day some of us we sit together after שחרית and...”
"Do you remember about a half a year ago that you took out your snuff box and offered everyone to take a bit of snuff but when you saw the Isaac the shul beggar stand up from his seat in the corner and approach to take some, you closed it and put it back in your pocket. Do you remember?"
ר‘ יעקב was deep in thought. He tried not to remember but suddenly it was clear as day. He didn't want that dirty man to get too close. He looked disgusting.
"Well", concluded the בעל שם טוב "Maybe it meant nothing to you at the time because your success and wealth hardened your heart! But you really shamed that man. So it was decided in heaven that all your money will be taken from you and be given to him!"
ר‘ יעקב was stunned, he couldn't believe his ears! But it was happening, it was true! He was losing everything so quickly and now that he thought about it, Isaac the beggar seemed to have disappeared. It was a curse all right; but it was he that had cursed himself!!
As if in a dream he looked at the בעל שם טוב and stammered. "Is there any way I can.."
"There is only one way you can get your money back" the בעל שם טוב said. "You have to reverse the process. If you ask him for a pinch of snuff and he refuses you... then he will lose it all, just as you did, and your wealth will return. But if not, everything is lost."
ר‘ יעקב returned home and within a few weeks he had lost everything including his house and belongings just as the בעל שם טוב said he would.
He also discovered that that shul beggar had, in fact, miraculously become a rich businessman 'overnight'. He was now making huge investments and was surrounded by some of the wealthiest men in the country.
Several times ר‘ יעקב considered just going up to him when he left his house in the morning and asking him for snuff, but decided against it. He would wait for a better opportunity.. a time when he was busy.
And finally it came. One morning, on the shul bulletin board was pinned an open invitation to everyone in the city to the wedding of....Mr. Isaac's daughter! It would be in two weeks in the massive town square. This would be the perfect opportunity, ר‘ יעקב thought.
Two weeks later ר‘ יעקב was there with a plan that he thought couldn't fail.
The wedding ceremony was just about to begin, the band played serious music and then stopped as the couple stood under the wedding canopy with hundreds of people gathered around. The Rabbi finished all the blessings, the groom broke the glass cup, the band broke into joyous playing and everyone began dancing, shaking the hand of the groom and the father of the bride, slapping them on the shoulders and yelling מזל טוב .
And at that very moment, at the height of the festivities, ר‘ יעקב ran up to Mr Isaac, tapped him on the shoulder and said "please give me a pinch of snuff!"
Mr. Isaac looked at him strangely, hesitated.. turned back to the person that he had been speaking to. (aha! He was ignoring ר‘ יעקב !) said 'excuse me' .. turned around, snuff box in hand and offered it!
ר‘ יעקב fainted. A doctor was called. He was carried to a side room and after a few minutes, Mr. Isaac appeared.
"He'll be alright" said the doctor. "Maybe it was too warm or something."
"But why is he crying?" Mr. Isaac asked.
"I'll tell you why" ר‘ יעקב replied. “Remember me? I'm the rich man that refused to give you a pinch of snuff months ago in shul and because of that I lost all my riches and you gained them. Well, just now when you didn't act selfishly as I did back then, I lost my only chance to regain my wealth." And he continued crying.
But the story has a happy ending.
When Mr. Isaac heard the story, he calmed ר‘ יעקב down, invited him to the wedding feast and assured him that he had nothing to cry about. He would provide him with a home and a job for the rest of his life.