'There's a tidy bit of money tucked away up there, I hear tell,' said a stranger, a visitor on business from Michel Delving in the Westfarthing. 'All the top pf your hill is full of tunnels packed with chests of gold and silver, and jools, by what I've heard.' - The Fellowship of the Ring, A Long Expected Party, pp 46
Now, I'm fully ready to accept that this stranger is simply a visitor on business from Michel Delving. However, could it possibly be Saruman in disguise or a spy of Saruman? Gandalf and Saruman were friends, he could have spoken to Saruman about the hobbits, and the ring, and the pipeweed, etc. and Saruman wanted to know about the treasures lying in the Shire. This stranger was sitting right in the middle of the conversation on Bilbo.
Just a thought. Like I said, I'm fully ready to accpet that this is just a simple hobbit.
