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Samuel Cunard was the son of Abraham Cunard who was originally from Germany and raised a Quaker and Margaret Murphy, who was raised as an Irish Catholic who were Loyalists to the British Crown who came to Halifax in 1783.

Abraham Cunard was a master carpenter who worked for the British garrison in Halifax and became a wealthy landowner and timber merchant.

Cunard's business skills were evident at an early age and by age 17 he was managing his own general store.

He later joined his father in the family timber business, which he expanded into coal, iron, shipping and whaling.