Fame And Fortune Weekly (no. 818) (1921 06 03)

Page 1

rawr ann FADTIING WEEKIYV 4285 JUNE No. 818. sf rai eaavia 7 Cents a) oy rade - ml RON ¢ bo 3c) ee as SLs ED 4 ee Li 4 bead Bre hoo 2 \ —) =. = >a ™ auc ehauenrnee c \ \ nail lle _ Springing on the window-sil!l. Jimmy held on with one arm while he reached for the bag with the other The rascal seized him around the waist and tried to pull him back. Billy quickly jerked the bag up

Page 2

BOOKS, MAGAZINES, NOVELS. ' Bought, Sold and Exchanged. Write far lists Out of Print Five Coit Novels, Our Specialty HAROLD G. LORANG, Darien Center, I. ¥,

Page 3

Issued Week! : est Street, New York, ubscription price, $3.50 ng = pe: Canada, $4.00; Foreign, $450. Harry E. Wolff, Publisher, 164 FAME AND FORTUNE WEEKLY the Post-Office at New York, N. Y., under the Act of March 3, 1879. No. 818 Ba ve me Re é ey wo ‘W oCHAPTER 1—The Boy With the Banking Idea, “Look out, mister! Jump!” cried the shrill voice of a newsboy at the corner of Broad and Beaver streets, one morning. * a ‘The shout was addressed to a well-known bro- -_ ker, a member of the New York Stock Exchange, ' who was crossing to the northeast corner, and had stopped to look back just as a heavy express wagon bore down on him, coming around the cor- “ner. He heard the warning, looked, saw his peril and jumped. All would have gone well with him ' but for one of those combination of circumstances . that sometimes crop up. The combination in tion was a fresh banana peel lying on a wet slab of the crossing stone. The broker’s forward foot landed on the peel. ts ~ + Quick as a flash, his feet went up and his head __ down, landing him in a heap right in the wagon’s a aes There he lay, half stunned, while his silk nat went dancing under the feet of the pair of horses. The driver saw the gentleman go down and he shoved one foot against the brake, at the ~ same time pulling on the reins for all he was "worth, but the wagon had too much momentum on to be stopped all at once, and the horses were in the act of trampling on the broker when the _ newsboy who had given him the warning, having = his papers, sprang forward and literally _ dragged the man from his dangerous situation. _. -*Gee! what a narrow escape!” cried another Hie meseboy, running up, while a crowd began to er. g _ The first newsboy lifted the dazed broker on his feet and began to brush him off. “Spencer, that was a narrow squeak you had,” said a broker friend, stepping up to him. “This “boy saved your life.” . Epencer realized what he had missed and he grabbed the boy by the hand. ~_ “You've done me a favor I shall never forget,” he said, in a grateful voice. “What is your name, -mny boy?” _ “Jimmy Judd,” replied the boy promptly. | ead | think I have seen you before in this neigh- borhood.” a - “Yes, sir. I’m & newsboy, and Broad ‘street is ‘my stamping ground. I once worked in a bank, but it failed and L lost my job.” _“Here’s your hat, sir,” said the other newsboy, had pursued it and brought it back, some- the worse for the accident, but not badly — NEW YORK, JUNE 3, KER : ey L STREET BOY’S oleae , BY A SELF-MADE MAN Entered as Second-Class Matter, October 4, “APR 95 {925 1921 AT Sate Fs id Spencer, handing se “Thank you, ni the boy a quarter. 3 * He put his hat on“and, grasping Jimmy by the arm, said: “Come to my office.” “Look out for my papers, Billy,” said Jimmy to the other newsboy, who was his side partner? and chum, and whose other name was Owens, Spencer, abandoning the errand he was on, started up Broad street to Exchange place, where his office was. He took Jimmy up the elevator and into his private room. “Sit down, my lad. You saved my life, and I want to know what I can do for you,” said Spen- cer. ’ “T don’t know that you can do anything for me,” replied Jimmy. “Nonsense! Let me give you $500 to put in bank for yourself.” “T won't take pay for saving you, sir: You're welcome to the favor.” : _ “But you must let me give you something. Con- sider the obligation you have put me under. You said your name was Jimmy Judd?” “Yes, sir.” The broker wrote it down on a pad. “Where do you live?” “Newsboys’ Lodging House.” “Haven't you got any home?” “No, sir.” . “Are your parents dead?” “Yes, sir.” , “And you have no relatives to interest them- selves in you?” “T have an uncle in busiriéss, who lives in a swell house uptown, but he has no use for me, I’ve had a good public school education.” “He won't do anything for you?” “Y haven’t asked him to, and I ain’t looking for any help from him, for I know it wouldn’t do me any good if I did.” A “What’s his name?” “Thomas Greene.” “What business is he in?” “Hides. Got a warehouse in the Swamp.” “He ought to be willing to do something for 2 bright-looking relative like you,” said\the broker. “He isn’t built that. way. He’s got a family of his own to look after. They’d feel disgraced to own a newsboy like me.” “So you're making your own living selling — newspapers?” “Yes, sir.” < “Wouldn’t you like to do something better than a Gis o% ot oo

Page 4

2 ~ ‘A BANKER AT 17 that?” “I intend to one of these days.” “What is your ambition?” “To start a bank,” said Jimmy sedately. “Start a bank!” ejaculated the broker. “Yes, sir. A boys’ bank. We've got one at the lodging house for us chaps who put up there, but there are a lot of chaps down here who need a place to deposit their money, and Id like to supply the want.” How old are you?” “Seventeen.” “How much capital would you need for your bank?” asked Spencer, with a smile. “I’d need two or three hundred dollars, to pay rent, get a second-hand safe, and fit the bank u Pp. = “Where would you locate it?” “If J started it now, f could rent part of a basement on New street.” = “Tf the boys deposited their money with you they’d expect interest.” “I'd expect to pay two per cent. interest on daily balancés.” e broker smiled. “You think you would make a success of your bank, do you?” “Yes, sir,” replied Jimmy confidently. “T should call it an unusual kind of a bank. I sees in lending money to a depository you — ae be guided by the amount he had on de- po “Not necessarily. I couldn’t hold his deposit as security unless he agreed to it, and signed a paper that effect; but a fellow who has a dollar or ‘© in my bank wouldn’t need to borrow and pay six per cent. interest when all he need do would be to draw out what he wanted from his own account.” “Your banking business would be conducted holly on lending out the money put in by your Yepositors. Is that it?” j “Qh, no! I should do any kind of banking ess that I had call for. I would take orders the purchase and sale of stocks in small quan- tities, like five and ten shares, and put the or- ders through the little bank on Nassau street. I ~ Yearned how that was done from the clerks in the bank where I worked.” 3 “How would you make aoytig out of that?” “T could make arrangement with the little bank on the part commission basis.” “Well, Jimmy, your ambitious plans interest ~ me. I will lend you $500 on your personal note, without endorsement, at three per cent. interest @ year so you can start your bank, and you can repay the money in any amount you choose.” ~~ “Will you?” cried Jimmy, with sparkling eyes. =~ iE will.” : “T should think you’d want gilt-edged security.” -. "Your word is gilt-edged enough for me. 1 [ ask is that you will keep me advised concern- ing your business and how it is panning out.” “All vight, sir. I'll take you up.” CHAPTER Il.—Jimmy Judd, Banker. The first thing Jimmy did was to hunt up his friend Billy. ; “T’m out of the business, Billy,” he said to his chum. . “That so? Did the gent whose life you saved get yow a swell job somewhere?” “No. He loaned me enough money to start my bank with.” “You don’t say! Then you mean to start it?” “Right away.” ; ; “Where are you going to open up?” “In the basement I showed you on New street.” “T wish I was going with you.” = “I’ve got to have a helper. I can’t attend to the business all alone. I expect you to help me out. T’ll give you $5 a week.” “You can’t afford to do that at first. Better let me go on selling papers part of the time, then I won’t charge you anything.” . “Perhaps we could arrange it that way, only I'll pay you for the time you put in at the bank. “All right. How much did the gent loan you?” “He loaned me $500.” re ee = “Gosh! As much as that?” f “You must tell all the boys that I'll have the — bank open and ready for business on Monday. — Tell them to put in their pennies and Pll pay — them regular interest—two per cent. on daily balances on all sums of one dollar and over. They _ can draw any part or all their money at any time. You can say I’m backed by Broker eee cer, of No. — Exchange place, and that the =. will open with a capital of $500, fully paid up.” aaa going to get some cards out, aren’§ — you “Sure I am.” : “Do you want your papers oe : S “No. I’ve quit. I’m going to hire the paré — of the basement that’s to let.” 3 a Jimmy started off to see the fis of the building on New street. He and Jimmy were — good friends. “Say, O’Brien, you hayen’t rented the north half of the basement yet?” Se “No.” “ “What did you say the rent was?” te The janitor told him. = “Tl take it.” ; Bees _ “You will? It’s jokin’ you are!” grinned the janitor. as “No, I’m not joking, O’Brien. Make out a — lease to the first of May, and I’ll sign it and pay you the first month’s rent.” pre “What would you be after wantin’ the place — for? Is it a, headquarters you want for the newsboys ?” : pee “No. I’m going ‘to start a bank.” ~ “Start a what?” “A& bank for boys.” aks “A bank for boys! Are youin earnest?” = “J am. Take down your sign and I'll give « an order on Broker George Spencer for the 2 month’s rent.” Ss “Ts he backin’ you?” “Yes.” = ; : = “A bank for boys you’re goin’ to start. = wonders will never cease.”

Page 5

A BANKER ___ “Haven’t boys a right to have a bank of their ah own?” + “They have, but where will they get the money _ to support it?” a “Earn it, of course.” As soon as O’Brien agreed to make out the _ Tease, Jimmy wrote out an order on Spencer’s __ cashier for the rent. Then he went up to a sec- _ ond-hand office furniture store and bought what he needed, paying with an order on Spencer. He ; hired a painter to make the following sign: _. “Jimmy Judd, Banker,” and put it up so it could be seen from up and down New street. He also hired a ca ter to come and put in position a -_- second-h railing he had bought. e railing was to keep his customers from flocking into the Space allotted to the safe, desk and other para- phernalia constituting his counting room. _— _ On Monday morning both Jimmy and his friend _ Billy were on hand at half-past eight o’clock, get- ting ready for business. Already a number of _ boys had gathered to make their first deposits. eS _ their ranks swelled the front ones grew impa- . tient. _ “Why don’t yez open up, Jimmy?” said a boy © “named Mike McCool, who stood at the head of _ the depositor’s line, and would have the honor of being the first boy to open an account with the young banker. “I've got sixty cents to put in yer bank. If yer don’t get a move on, mebbe I'll _._§0 away and play craps wid it.” “Don’t be impatient, Mike. It’s contrary to reg- __ulations to open a bank before nine o’clock, and ‘many banks dofi’t take deposits or pay out money ~ till ten.” -“How long have I got to wait?” “About fifteen minutes.” “Aw, de fust day oughtn’t to count. Look at de rush.” ‘The boys behind were equally impatient to get _ the money in as well as to see how the plan was through. As they began to create a growing isturbance, Jimmy, for fear that a complaint might be brought against his business, concluded to open up at once. So he announced that the rule would be suspended on that occasion and _ that he would begin accepting deposits at once. _ He took his place at the inner end of the counter, with a ledger before him, while Billy sat at the outer end with a pile of printed slips and an ink- ‘bottle handy. . te : It took nearly an hour to dispose of the initial rush, and then Jimmy and his assistant sat back d took a breathhing spell. . a How much have you taken, Jimmy? Billy ut eae to count it up,” said Jimmy, dumpin = money out in the tin box which Billy rr | “Ten dollars and sixty cents,” said Jimmy, in a _A t moment Batt Flynn, an old enemy of os a: the basement ‘and walked up to > counter where Jimmy held forth. 5 countenance wore an ugly look. eee s: bank, have yer?” he said to eee AT 17 3 “Are you addressing me?” asked the boy bank- er. _ “Who else, cully?” said Flynn, with an insult- ing leer. “Then address me by my name, please,” said Jimmy. “Yer name is Swipesy, ain’t it?” “None of that, Flynn. If you want to talk to me, call me by my right name.” “Aw, is dat so? What yer want to be called now yer a banker—Mister Judd?” “You can leave off the mister.” “T’anks! Keep de change. Are yer takin’ de- = to-day?” “« es ” “T’d like to put in a million. Give me a blank check and I’ll fill it out on me udder bank.” “You came here just to be funny, Flynn. I’ve got no time to waste in that kind of business. You'd better go.” “Is dat de way yer treat customers? a fine banker, I don’t t’ink!” “No, that isn’t the way I treat customers, but that’s the way I treat loafers who call to make trouble.” “Wot’s dat! Call me a loafer? I'll come in dere and clean you and yer office out in a brace of shakes!” said Flynn i “T don’t imagine you “Don’t yer, yer lobster? Den here goes!” As Flynn started to spring over the railing, Billy, who was on the outside waiting to see the outcome of the young tough’s visit, grabbed him by the collar and jerked him backward. Flynn lost his balance and fell, his head striking on the floor. He was up in a twinkling with blood in his eyes. Looking around, he saw Billy. “You did dat, did yer?” he roared. “Yes, I did it,” returned Billy. “Den I’m going to wipe de floor wid yer.” He made a rush at Billy, but that Jad side- stepped so quick that Flynn missed him and pitched forward, headfirst, into a box of oranges that constituted a small part of the stock in trade of the other tenant of the basement. The thinly constructed box crashed over and scattered the fruit over the floor, leaving Flynn kicking in their midst. The man whose property had thus been so ruthlessly interfered with came forward, with a rush, laid hold of Flynn by the collar, yanked him on his feet and, without ceremony, or ex- changing a word with him, ran him out at the door, up the stairs, and flung him into the gutter. Being a strong individual, Flynn was a ike a small kid in his hands, and the rough exit im- pressed the young ruffian so much that he did not venture back. He waited till the fruit-seller had re-entered his quarters and then he flung loud expressions of his feelings both at the man and the boy banker. As these brought no re- sponse from either, he threw part of a rotten — a = a eae one window and*ran away. at’s the time Flynn got it in the neck,” grinned Billy. 2 “He deserved it,” replied Jimmy. and a sneak. Had he grabbed you, I a hand, and I guess we could hav You’re haat ikabuipy *

Page 6

4 r “Are you the boy banker?” he asked. “T am,” answered Jimmy. ; “Take money on deposit?” he grinned. “Yes, from boys.” “What do you do with it after you pet it—put it in your safe till you get hold of all that’s in sight and then you'll pack your grip and skip th the boodle?” ; “Did you come down here to be funny, like the chap that was just bounced?” “No. I just asked you a question.” “It was an insulting question, and you ought to know better than to ask it.” “Don’t get mad over it. Do you eg te to carry on a regular banking business with boys?” SF do.” CP ea you ought to prove that you’re respon- e. “Most of the newsboys at this end of town from the Brooklyn Bridge down, know me and are willing to trust me.” “T don’t know you.” “Do you want to make a deposit?” “J might if I thought I’d see the money again.” “You're a broker’s messenger?” es. “Do you know George Spencer, of No. — Ex- change place?” “T know he’s a big broker.” “Well, he’s my reference.” “Ts that really so?” nae “The best way to make sure about it is to ask “Got a card?” Exe Bal “Here’s one,” said Jimmy, handing it to him. The messenger read it, e he was thus em- Bc E 72 Spl two bootblacks came in who knew Jimmy, ot became depositors to the extent of fifty 4 or maak ll bee depositor,” said the mes 7 ess I’ ome a , 3 = “T don’t mind risk- er, when they went out. ings ge risk. If you ha doubt : ou no ris. c*) ve any dou | od it I'd iter not have Sen Fees a depos- “I guess you're all right. Here’s a dollar. Give me a receipt for it.” Jimmy made out a deposit slip, “Sign that, please.” : The messenger signed his name Bob Jackson. ' Jimmy wrote his name on a book, entered his de- pert and handed it to him. Jackson looked at 8 “When I want to draw any money, I present _ this book?” he said. Yes, and fill out one of these checks.” ei soure doing the thing up in style, aren’t “you _— “Pm following business methods.” ; FT con you loan the money out on inter- oan. Ver ; “What security do you ask?” _ “That depends on circumstances. Most of my newsboy friends are honest. If one of them wants a loan all he has to do is to x, th note for the _ amount and get another bo wh to me to \dorse it, then he can have the money.” Fp lea doesn’t come up when the J Spe 4.7 ‘A BANKER AT - 17 you make the endorser pay the money, “That’s the usual way among men, isn’t it?” “That’s right. TI’ll tell the messengers about — you and your bank. Some of them are sure to call and see you. Good-by!” > Jackson went away and another bootblack came in and became a depositor. Shortly af : ward one of the first bootblack depositors came in with a boy unknown to Jimmy. “Say, Jimmy, this chap wants to borrow a quarter to get some blacking with. If you lend — it to him, I’ll see that he pays oe : Ee : don’t know him, but if you’ll endorse his note T'll lend him a quarter.” ’ “All right. The loan will cost you a nickel for — a week,” said Jimmy to the stranger. “Are you — willing to pay it?” ; “Tl pay it,” said the stranger. Jimmy made out the note for thirty cents, — payable in one week, the other bootblack put his name on the back of it and then Jimmy handed ~ over the quarter. The two boys went out to- — aeetee, much pleased at the boy banker’s meth- ods. In the course of an hour the news was all over Wall Street that Jimmy Judd, the boy banker, loaned a quarter to an applicant on his note, en- dorsed by another boy. ; Several impecunious youths came to the bank — and wanted to borrow ten cents apiece. a “Get a respectable endorser and you can haye the money,” Jimmy told them. ; ey boys said they would endorse each other’s notes. As the boy banker didn’t know them well enough to trust them he declined to make that arrangement with them. “Who will we get, then?” said one of them. “Somebody I’m acquainted with.” co that moment two boys came in whom Jimmy ew. . One of them wanted to borrow a dime till next ay. "3 “Tt will cost you two cents interest for a week or any less time;” said the boy banker. ag That was satisfactory to the would-be bor- — rower, so Jimmy made out a note for twelve cents and the lad’s companion endorsed it. a ' The other three boys who had failed to borrow — watched the proceedings with great interest, and — < the whole bunch went out together. AF The fruit dealer was also interested in Jimmy’s _ plan of doing business. <A “Do you lend money to men?” he asked. = “T’'ll lend it to any responsible person on hisen- dorsed note.” oN be “You charge a high rate of interest.” oe “T have to on small sums.” ps 2 ae “I know a poor scrubwoman who needs $10 _ badly to save her from being dispossessed. She’s honest and will pay the money back when she — ean. I can’t spare the cash myself, or I’d loan — the money. If you will do it I’ll endorse her — note.’ “How long does she need the money?” “T should think about two weeks.” . “Fetch her around and I’ll lend her the money ay ae ae “Tll_ see her this aft around,” said the man.

Page 7

‘Sums and others wanted to borrow from ten cents kk a quarter.. A couple-of them negotiated their - doans. Finally: one o’clock came and Billy ap- eared to let Jimmy go to lunch. He was au- thorized to accept deposits but not to make loans, CHAPTER IV.—A Bunch of Visitors. While he was out at lunch, Jimmy heard that Syndicate had been formed to corner and boom A. & F. stock. Here was a chance he had been _ looking for for a long time. He had $360 left of his capital, so he made a bee-line for the little ) on Nassau street and bought 35 shares of A. & F. at 80, on margin. Then he went back to his bank, where he found a bunch of boys talking to Billy. Several of them had made de- sits. Jimmy knew most of them more or less iliarly. Hardly had they gone away when ker Spencer dropped in. - “How do you do, Mr. Spencér!” said Jimmy. “Come inside and take a seat.” “How are you making out?” asked the broker. is my first day,” and the boy explained 1 dy he had done so far, and showed Spencer his “Well, well!” laughed the broker. “You are ng something, I’ll admit. You will learn ex- ience if you don’t make much money.” _*T expect to accumulate both.” ~ _ At that point two messenger boys appeared, and, seeing the broker, they acted with great ecorum. One of them said Bob Jackson had fold them about the boys’ bank, and they had come around to become depositors. One put up dollar and the other fifty cents, received their oks and went away. Spencer viewed the pro- -¢ ngs with interest and some amusement. “You'll soon have quite a number of deposi- t Jimmy,” he said. hope so.” “But you'll have to get your money out on + terms to make Day.” _ “Yes, sir, I understand that.” _ While they were talking, the fruit dealer ___ brought in the poor scrubwoman. : ‘This is Mrs. McCarthy, the woman who wants borrow $10.” ‘All right,” said Jimmy. “The loan must be d in two B area and it will cost you fifty terest, ma’am.” es “Sure I’ll pay it in two weeks sure, and I don’t the fifty cints,” said the woman. Of course, if you were only able to pay half I might extend the note for another quarter,” Jimmy. oe S, sor.” : he c my made out the note and told her to sign she did, with some difficulty. The fruit endorsed it and the boy banker handed }money. She thanked him gratefully and way to pay her landlord: Several brokers around that way, looked at his sign, and down into the basement, -but did not_ven- enter the place. The sign, “Jimmy Budd, _ CHAPTER V.—Jimmy’s First Stock § ulter bunch of brokers A BANKER AT 17 ‘ 5 and take a night train for Canada. There was another small rush of depositors next morning at the boys’ bank and Jimmy took in $6. While _ this was going on several brokers came down into the basement, bought some oranges as an excuse and looked at the way business was being carried on at the bank. When the crowd of boys thinned out they gathered before the counter. “Do you take men depositors, Mr. Judd?” said a broker named Barry. “Yes, sir. How much do you want to put in?” replied the boy banker, without turning a hair, though he recognized the gentlemen as brokers, and saw they were having a little fun with him.” “What’s your limit?” asked Barry, with a chuckle. “T haven’t any. to put it in.” “Let’s go in a dollar all around,” suggested one of the others. The idea caught on, and Barry, producing a dollar, asked to be taken as a depositor. Jimm accepted him and the others, too, and hand them each a book, The brokers ho ong ae in high glee to show their passbooks with the boy banker around the Exchange, where they created quite a breeze of hilarity. Jimmy got his first gal depositor that day. Billy brought her to bank. She was the little flower girl who. sol boutonnieres to the brokers and others in front of the Exchange. Jimmy and Billy both knew her well and had helped her on more than one occasion. Her name was Rosie Gray, and she was a very retty, modest little girl of fifteen years, who ived with her grandmother in a Chrystie street tenement. : _ “I’m glad to see you, Rosie,” said Jimmy. “Go- cn A become one of my depositors ?” as es, Jimmy, if you'll take me,” replied the ) girl, with a smile. ; : “Why wouldn’t I take you? Glad to have eee ‘ You'll have the honor of being the first girl to gee money up with me. That will be quite an honor one of these days when I’m a big banker.” “Do you expect to become a big banker?” “Sure as you live I do. Everything must have a start. I’m beginning in a basement. By and | by T’ll have an office in a skyscraper.” = “Won’t that be fine!” she cried beamingly. “Sure it will. IT’ll have a private room then with a rug on the floor, a handsome desk, and other et ceteras. Oh, I'll be swell, then. How much are you going to put in 4s a starter?” “Seventy-five cents.” ; “Billy, make out a ticket for seventy-five cents,” Billy did so. “Put your full name to that, Rose.” _ While the girl was doing it, Billy was prepar- ing her passbook. Shes There’s your book. You can put more in or draw your money out on any week da , between nine and four, except Saturday, on whick day I close up at one.” r o = Rosie wrapped her book up in a handkerchief _ and went away. Sd ee eS T’ll take a million if you want a Z a as It wanted a few minutes at fons wh down oe

Page 8

ry §& to’ look at the boys’ banking house, which they had heard so much about. They purchased some fruit and then one of them asked Jimmy if he was the boy banker. “Yes, sir,” replied the boy politely. “Seems to me you are a remarkable young man,” said the broker. “What is there remarkable about me?” “The fact that you have started a bank here in New street. Never heard of such a thing hav- ing been attempted before.” “There has always got to be a first in every- thing, sir. It happens I am the first to do this. I dare say I am not the first who had had the idea in his head, but probably I’m the first hav- ing the idea who got hold of enough capital to make the venture.” “That may be true. Boys of your age are not, as a rule, overburdened with money. Those who have a little superfluous cash prefer, I judge, to spend it having a good time to attempting the risky feat of starting a bank. How are you mak- ing out?” “Very well, considering this is my second day. I have nearly seventy depositors.” “T understand that you are not confining your efforts wholly to boys. Broker Barry an ree other members of the Exchange have become de- positors.” “Yes, sir. selves.” “You are something of a surprise to me, and I guess to my friends here. Your ambition is well ve worthy of encouragement, and to help you along I will.become a depositor to the extent at present of $100, and if your bank succeeds I will put if more in and give you all the help I can. Let me have a pen and I will draw my check for ‘the sum in question.” : “Y’m much obliged to you, sir. I accept you as a depositor,” said Jimmy, taking a deposit slip g and writing in the amount. “Sign that, please. The four traders, carried away. by the senti- - ment shown by their companion, whose name was Donald Drew, each went in $100, and thus Jim- _my’s capital was raised to $500 more, but, of - eourse, his capital was really a liability. Thus Jimmy could boast of having nine brokers on his books, though four of them were only in to the ~ extent of a dollar each, which they had practically presented to him for the fun of the thing. ct “Now, my boy,” said Mr. Drew, “there is no saying what these five accounts may lead to. If _ you succeed in building yourself up, I, for one, if I live, will become a regular active depositor. I believe you have the germ of a financier in you, and what is in a boy is bound to come out, sooner or later. Now we will wish you good af- ternoon. Here is my business card. I shall be glad to have you call at any time.” The other traders also asked him to visit them, ‘then the bunch took their leave. It was half- = no four ‘by that time, so Jimmy closed up and ‘went to City Hall Park to drum up a few more lepositors. Next morning when A. & F. came _. ut on the ticker Jimmy noticed that it was up a e.° _ Having great confidence in his tip, he ded to risk $500 the brokers had depos- with gy eye a oe ‘ = aving Dilly in charge is e we They very kindly enrolled them- A BANKER AT 17 That gentleman was not in, but the cashier told him he would cash the checks for him. Jimmy endorsed them and taking the money around te the little bank on Nassau street, put it up as margin on fifty more shares of A. & F., at 51. zi A newspaper man heard about the boy banker, and scenting a news item he found out the num- ber on New street and called on Jimmy to inter- view him. The boy banker proved such an inter- esting subject that the reporter made a half- column story out of the’ matter, and it was duly printed, after half of it had been blue penciled for want of space. Thus Jimmy and his banking 3 project was brought to the attention of the peo- ple of Greater New York. Of course, most of these people forgot all about the matter as soon as they turned to something else in the paper, though it interested them a good deal while read- ing it. There was one person who read it with a sneer. That was Jimmy’s uncle, Thomas Greene. Jimmy had made no attempt to claim his friendship, but Mr. Greene was always afraid he would, and he had given strict orders to his clerks at the store that if a boy named Jimmy Judd ever called and asked for him that they were to say he was out of town, or couldn’t be © seen. Similar orders had been given to the serv- ants at his house by Mrs. Greene, who did not wish to have the boy calling there. She did not want her children to meet their poor cousin, whom her husband told her was living at the Newsboys’ Lodging House and sell- ing papers on the streets to support himself. Her son Henry and daughter Lavinia fully coin- — cided with her sentiments. They would have felt. mortified to admit relationship with a common newsboy. It happened that Henry Greene also read the story of the boy banker in the morning paper and recognized his cousin as the young financier. He was quite staggered at the account which met his eye. “What do you think, Lavinia,” he said to his sister, who was looking over the latest fashion plates, “our Cousin Jimmy has become a bank- ” “What’s that?” she asked sharply, for she and Henry had had a verbal scrap over something a short time before. “Jimmy Judd has become a boy banker.” ° “What do you mean by talking such nonsense?” “Read the story for yourself. ere it is in the paper,” said Henry, passing it over to her. Her curiosity being excited, she took the pa- per, read the story, and then, jumping out of her chair, ran to show it to her mother. Mrs. _ Greene read it and understood the drift of it — better than her children. “Oh, it’s just a place in a cellar where news- — boys and bootblacks deposit their pennies,” she _ said, turning up her nose, “It’s not a real bank — at all. How could a Beck boy like him have an ~ actual bank? The idea is preposterous,” said the lady. . ‘ c So Lavinia went back to her brother and told him what her mother said on the subject. iad vy and — Or a » vy = “Well, I'm going down there some da see what kind of a bank it is,” said “You mustn’t do anything of the kind,

Page 9

z 2 “What have you got to say about it, anyway? I can do as I please.” ‘T’ll tell mother.” “Go and tell her. You're a tell-tale, anyway.” “How dare you call me such a name?” flashed “Because that’s what you are. Girls are no anyway,” and Henry, taking his hat, left “te y-book of her brother’s off the table and ga Beite-across the room. Then she went in and tol mother that Henry intended to call at the in the cellar to see Jimmy Judd. That eve- ne Mrs. Greene forbid her son going near New _ Street. He looked daggers at his sister and said ing, but he intended to go there, just the me. He and Lavinia were both spoiled, to some extent, and neither were very dutiful to their parents in consequence. _ ‘The second week of Jimmy’s venture passed aWay successfully and during it, A. & F. stock W up to-92. Jimmy concluded not to take ‘ chances with it, and sold out. He made 2 profit of $975. That gave him a working cap- - ital of about $1,860. -He drew up a balance Sheet as follows: Assets—Cash on hand, $1,860; "Jeans $15; furniture, etc., $150; total, $2,025. ~ Liabilities—Capital, $500; surplus, $975; due de- - Positors, $550; total, $2,025. ts eer urthne CHAPTER VI.—Jimmy Adds to His Surplus. A day or two after Jimmy had closed his stock il so satisfactorily to himself, his cousin Greene, came downtown. It was Saturday Orning, and the select academy Henry attended as not in session that day. Henry didn’t go actly to New street, but strolled down Wall et into Broad, stood some minutes in front the Stock Exchange, watching the brokers and Messengers hustling in and out, and then he went on to where a big bunch of Curb traders Were doing business inside a roped-off enclosure especially to them. After putting in half ‘hour this way he walked up Exchange place New street, turning up the latter. Henry saw the swinging sign over the steps— _ “Jimmy Judd, Banker.” Then he noticed that : ide of the baSement was devoted to fruit. He decided to go down and purchase an orange io that he could get a closer view of his cousin, mm he had never met. Jimmy and Billy were z on a boy who came to draw out ten cents. bought the orange and then loitered about, it. The boy banker’s loans had dropped for the Irishwoman had repaid the whole hers, having found a $10 bill in the street on r way to work. : y’s deposits footed up $575. Under these neces the $975 he had _won on the mar- < Le reat boon to him, for the bank itself hs a .e didn’t expect that it would for some ust then down oe stairs ee two oie Eek wy and wel ‘curity, how would that do?” sf a small fraction “of its expenses. Stowe fe A BANKER AT 17 7 our office, and this is Pearl Deering, stenographer in the next office. I’ve talked them into patro- nizing you and have —— to make good any money they might lose by putting it up with you. “No fear of your losin Jimmy. “Here’s my balances sheet. Cash on hand, $1,860. Surplus, over all liabilities, $975.” “So you’re a rea] banker?” said Miss Wheeler. “Yes, I’m pretty real. You can pinch me if you have any doubts about it.” “Oh, I wouldn’t do that! Do you pay interest?” “Two per cent. on daily balances.” “Can I draw some money any time I want?” “Any time during office hours.” “T’ll put in $5 now, and $5 more next Satur- day. I’m saving up for new clothes and vacation expenses. So is Miss Deering.” The girls each deposited $5. “You make three young ladies I have,” said Jimmy. “Who is the other?” “Rosie, the flower girl, who stands in front of the Exchange. She began with seventy-five cents and now she has $2.25 in.” When Jackson and the girls went away Henry Greene followed them. Somehow or another he couldn’t make up his mind to the fact that his cousin was such a bad banker, after all. He ap- peared to be doing business, and his appearance was quite respectable. He told his sister when he got home that he had been down to see how their cousin was transacting business, and that he heard him say he had a surplus of nearly $1,000, and nearly $2,000 cash on hand. “While I was there two girls came in and de- posited $5 each. I guess he won’t burst up for @ while yet,” he said. On the following Monday a man came into Jimmy’s place. ; “Are you the boy banker?” he asked, looking around. ¥ “Yes, sir.” “Do you loan money on good security ?” S¥es.” “T’ve got a diamond ring worth $500,” he said, showing it. “I’d like to raise $250 on it.” “You will have to take it to a pawnshop, then. I can’t loan money on such things, as it’s against the law for me to do it. I have no license to accept that kind of a pledge.” : “Couldn’t you loan me $200 personally on this ring? That ain’t against the law.” “T haven’t any money to loan personally, All my funds are in the business.” “Well, suppose I borrow the money on*my note ~ and leave this ring behind me by accident as se- anything, ladies,” said Jimmy shook his head. He had no idea wheth- er the didmond was genine or not. It might be worth only fifty cents. In any case, he wasn’t doing bsiness that way, and he said so. . The man™ looked disappointed. He went away, and after _a while returned with another man. ee ' “This man will endorse my note,” he said. “T can’t accept his endorsement.” ee as “Why not?” Mees : - “Because I don’t know him.” | : “Then I can’t borrow the money?” “Not at present you can’

Page 10

A BANKER The men then went away. By and by Billy came in. “Say, did a man come here and ask you to loan him some money on a diamond ring?” “Yes. How did you know?” “It was a plant. I overheard the man talkin . to Batt Flynn. The ring was a cheap one, wi an imitation stone wo about $2. Batt sent ‘tim to try and do you. He must have thought you were easy. I got on to the scheme when he cee back and told Batt that the game wouldn’t work.” Jimmy told him all about his interview with the would-be borrower. “He had a nerve to try and palm off a bogus diamond as worth $500,” said Billy. “Oh, a swindler always has good nerve, or he wouldn’t be in that business,” answered Jimmy. That week a good many newsboys ran short of money and called on Jimmy. Although the endorsers were not, always as good as the borrowers, Jimmy let them have the small s they asked for and that increased his poppiasity with the fraternity. e put out $10 that week, the interest on which amounted to 20 cents. It now became apparent to Jimmy that his boy clients were not numerous enough to make the bank a success. ws A dozen messengers had deposited with him, _ ‘but they didn’t borrow anything. ¢ By this time he had about $650 deposited, while his loans only amounted to $18, - In order to make money he turned his atten- 5 tion to the market again. a He found that D. & O. was going up and he ~ bought 50 shares on margin, at 85, x He had no tip to go on this time, and watched his deal carefully. Three days later the stock was up to 88. Jimmy sold out at that and cleared $450. : —— After paying another month’s rent and all his _ personal expenses he had $2,325 in his safe, of which $1,300 was surplus, or profit, without counting his furniture. : Had he been so disposed he could easily have returned the loan of $500 he got from Mr. Spen- cer and still have $1,800 left. ' So it will be seen that though his banking busi- ness was making nothing as yet, in fact was Josing money right along, he was still away ahead of the game.: : _ Adding the money he had laid out for furni- _ ture, personal and other expenses, and $100 in ‘rent to date, to his surplus, his books showed . that during his first month as a boy banker he had earned, ange stocks, over $1,600. ~ That was a whole lot better than being a news- boy. a cH APTER VII.—Jimmy Gets Out a Printed ; Statement. , Another month passed, and Jimmy’s depos- itors kept on increasing, and so did his borrow- a8 soon as they found how easy it was to “money from him. It may seem strange that one defaulted in his payment, though boy lutely no security except the boy, whose standing was 1 AT. 17 i* ite i no better than that of the borrower, and often _ not as good. ; But Jimmy had made it plainly understood that any boy who failed to pay on the day his note was due would get no more accommodation from the bank, and that if the endorser defaulted also, after having been notified, he would be shut out as well. The consequence was the boys paid up, or if they found that impossible, they asked Jim- my to renew the note at additional interest, which he was always willing to do. Jimmy now had about $30 out, on which his weekly income was $6. His deposits had risen to $850. It was about this time that, while on his way to lunch one day, he heard a man whom he knew to be a big operator tell his broker to buy all the J. & Ss A urea he could get hold of and report results aily. Jimmy was satisfied that another boom was under way, so he lost no time in buying 200 shares of J. & C. on margin, at 92. He told Billy about his new deal. _.“I hope you’ll come out all right, Jimmy, but if your depositors knew you were dealing on the market they might start a run for fear the bank would bust,” grinned Billy. “Oh, I’ve got $500 in my safe yet, and if things went bad I’d sell in time to save enough of my deposit to pay off all my depositors,” said Jimmy. “I won’t tell them what you are doing, so I guess they’ll never learn.” “I admit that I ought not to risk any of my depositors’ money, but I’m doing no worse than many big banks who risk their depositors’ cash in one way or another. Every once and a while hg read of some bank getting in trouble through ad loans; If it goes up the depositors lose a part of their money, and what they get they have to wait months for sometimes. I don’t intend to do my depositors. out of a cent. When people trust a bank or a banker with their money, they are entitled to get it back under all circumstances, or the persons responsible for the money ought— to be put in jail and kept there.” Jimmy watched his new deal with argus eyes. Inside of a week it began going up and kept on __ advancing for ten days till it reached 100. Then it began to boom in earnest, and in three days _ went to 112 and a fraction, Then Jimmy sold quick and cleared $4,000. That gave his finances _ a big boost. In the course of tén days more the ~ third month of his career as a boy banker came __ to an end and he felt so proud of his success that __ he —— a printed statement to his depositors, — as follows: : Resources—Cash on hand, $6,515; loans (in- cluding interest), $35; furniture, etc, $150. To- tal, $6,700. fo- Liabilities—Capital, $500; surplus, $5,325; due depositors, $875. Total, $6,700. ; : On its face it was the most remarkable sta —— ment ever issued by a banker. The disproportion between the small amount due depositors and the large sum of cash on hand certainly looked g At any rate, the nine broker be gene y= forgotten all about the boy banker, were to receive the brief document through th which bore ‘3 % . - i |

Page 11

» Banker, No. — New street. Statement at close of business on June 15, 1—.” _ Broker Donald Drew fairly gasped. _ “That boy’s bookkeeping is most extraordi- _ Mary,” he thought. “Where in thunder could he have picked up so much money when only $875 ___ has been deposited with him? He makes both _ gides balance in proper form, so he must have _ @S a square and honest boy. I must call on him _ and get an explanation.” _- showed him the boy’s statement. When he saw _— the amount of cash on hand he remarked that Jimmy was doing a big business for a boy, and he expected to see that the amount due deposi- tors ran up to or above $7,000; but when he got _ to the surplus and saw $5,325. there, he was as- _ tonished. Then when the next lines disclosed _ the fact that only $875 was due depositors, he _ didn’t know what to make of it. “Where do you suppose he got so much money from?” asked Drew. “T will,” said Spencer, and they parted. -__ At four o’clock the two brokers appeared at i oie boy broker’s place of business. Jimmy was eS d to see them, and said so. __—--—:« *E._ received your statement of the bank,” said Mr. Drew, “and I’m bound to say that it has Fe _ puzzled me a bit. You are operating on a bor- owed capital of $500, and have received a little -___ less than $900 in deposits, yet you claim-to have $6,500 cash in your business. As a depositor, I a oe like you to explain the matter to me.” ue LOU wish to know where I got the money, I Suppose?” said Jimmy. _ “Well, I don’t want to pry too closely into your affairs, my lad, but as I am interested in you to @ certain extent I'd like to know how you have accumulated a surplus of over $5,000 in so short _ atime. ‘The word indicates that you would have that sum to your credit if you paid your capital pan and returned your depositors every cent _ they have put in.” * “The explanation is simple. I haye done that which I guess neither you nor Mr. Spencer will aS lee I got hold of a tip on J. & C., bought 200 shares on margin and cleared $20 a share. ‘The gentlemen looked at each other. : ‘So that’s how you got your surplus?” said ——*Yes, sir.” : -“T congratulate you on your luck, but I do not rove of your method. It-is not business, and he very worst thing that a young or old banker do, If the fort became generally known mat a banker was risking his depositors’ money ‘the stock market there would a run on his ess at once. People who were doing busi- th him would lose confidence in him, and would be he’d have to quit the banking Le - A BANKER AT 17 3 “T guess you’re right, sir, but I don’t believe in letting a good thing get away from me,” said Jimmy. “Well, I won’t say anything more about it. Your object was doubtless to take advantage of a chance to put yourself on your feet, and you have succeeded. Now, if I were you, I’d pay off the $500 borrowed capital and call the bulk of your surplus capital in your next statement. Then it would look more businesslike.” “I will do that, sir.” “You have now been three months in business and the amount of business you have actually done with your boy clients has been so small as not to meet your owes | expenses. With the capital you have acquired you had better look around and see how you can put it to work safely and thus make your business pay.” “Yes, sir.” “Mr. Spencer and myself will bé glad to advise you at any time, so don’t fail to call on us when you need a suggestion that will help you.” The brokers remained half an hour and dur- ing that time Mr. Drew gave Jimmy a good many valuable points about the conduct of his business. While the interview progressed several boys cams in to do business with the bank, and Jimmy oblig- . ingly accommodated them, though it was after office hours. Finally the visitors took their leave = then Jimmy shut up and went out to hunt up : Billy. CHAPTER VIII.—Jimmy Buys an Option. Although Jimmy knew that what Broker Drew z had said about monkeying with the stock market ; was strictly true, his three successes had started j the fever in his blood, and it would take some- : thing more than words to cure him now. At the . same time he felt that he had better separate his banking operations from his market risks. The first thing he did was to pay Broker Spencer back his $500. That gentleman wanted him to accept it as a present and add it to his capital, but the boy banker wouldn’t accept it. “I am very much obliged to you, Mr. Spencer, but I wish to feel perfectly independent of out- side aid in my business as long as there is no further need of my using borrowed capital. You have given me the needed start, without which I couldn’t have opened up. After mpaying Fe the loan I will still have pork | $5,000, including what I investéd in my safe and furniture and At- tings. ' They may not be valued at what I paid for them, but as I got them cheap at second- hand, I consider them worth all they cost. With a backing of $5,000 I ought to be able to make a my way ahead. If I can’t do it on that, I ought to quit. - So Spencer accepted his money back and next day presented Jimmy with a watch and chain which cost him $100. Jimmy then placed his bank cash of $840 in a separate drawer of his safe. That sum, with the outstanding loans, represent- ed practically what was due his depositors, That — left him $4,175 to speculate with. He laid the — $175 aside to meet his personal expenses. $52 “Now I can tackle the market again if I choose and if I should play a losing game I can still run my bank and be under compliment to body,” thought Jimmy. ;

Page 12

Lie 8 10 Having thus placed his banking arrangements n a sound basis, Jimmy looked to the stock mar- et to make money. In a few days he thought he Saw an opportunity to increase his pile. D. & L. was moving upward, so he bought 200 shares on margin, using just half of his specula- tive capital and rese g the rest from pruden- tial motives. The stock cost him 116 and two days afterward he sold out at 120 3-8. His profit for $800. : “That’s the way to make money,” he told Billy. “Tt is, as long as you win,” replied his chum. A day or two afterward the fruit man who oc- ied half of the basement came to him. “TyYou have taken«a year’s lease of your half of this place,” he said. “F had to, or get out on the first of May,” said Jimmy. “My first lease only ran for six weeks, up to May first.- You have done the same, of course.” : “Yes. A newspaper firm of Wall street would like to gat the whole of this basement, and their representative has talked with me on the sub- ject. The firm will Pay a bonus of $500, divided tween you and me, if we will sign our leases over on the first of July, a few days hence. What do you say to it?” “Couldn’t think of it,” replied Jimmy. “Why not? You'll make a clear $250.” “And lose my place of business. No, thanks!” “This is a gene res pee ad yous bank. wives you could ge etter place—a room a yourself in some bullding.” “I’m only paying $50 a month here. I couldn t any room under four times that amount, got it for that. What good would the $250 be me? TI’d lose money taking it and making a ge. Besides, this oo is convenient to positors and congenial to them. They woulda? come to an office building. The owner of the building wouldn’t want them coming there. I doubt if I could get a room under those circum- stances if I wanted it.” : “Then you won't consider the matter?” said the fruit man, disappointed. “Tt wouldn’t pay me to.” The fruit man renewed the subject next day. “T told the newspaper people that you wouldn’t sell your lease for the price offered for the rea- sons you told me, and one of them is coming around to see you.” _ “What's the use of that? It will only waste his ‘time and my own.” “He might offer you a little more money.” “That won’t make any difference. I’m not go- ‘ ing to give my business a black eye for a few dollars. An hour afterward the representative of the 0 eee company called and introduced him- “We'll give you $800 and get you an = on = _ Hanover street for $100 a month,” he said. Sapo Rh pty wo ’t feel at home the ayi ; rent ae as I care to, sp whats Se ap of pes on alkenes Gat elt Gh ean x to. de,” sald the man, _ er as if he was his best fri A BANKER AT 17 “Probably it would, but I’m only a boy banker — customers and can’t expect to get any different at present. By and by I’ll get out of here and — work up a regular banking business. I’m learn- ing the ropes now. A fellow has got to creep before he can walk.” “How much business are you doing, anyway? I shouldn’t think the customers you are depend- ing on would amount to a row of shucks.” “Your question isn’t a fair one. I never tell my business to afiybody.” _The man, finding he could do nothing with Jimmy, went away. On the first of July the boy banker’s deposits had increased to over $900, and his loans to $45, on which he had a weekly income of $9. One of the brokers who was a depositor to the extent of $100, called in to see him. After asking him how he was getting on, he said: “Want to loan me $5,000?” “I can just about do it. What security do you offer?” asked Jimmy. “One thousand shares of the Western Banana Co., worth $10.” “Don’t know anything about it. Can’t you give me something else?” The broker laughed. “T was just trying you. There is no such com- any as the Western Banana Company, that I ow of. There’s the Bermuda Banana Company, which is selling at $12 and making big money for its stockholders, It is hard to get. No, I don’t want $5,000. I really came here to tip you to the fact that a broker by the name of oyer, who has heard about you, is going to pay you a visit. As he is a foxy man, I advise you not to have any business dealings with him.” “Thank you for the w g. I suppose idea is to capture some of my fleece, because he thinks I’m too ee ok after it, I? he comes, Tll send him away with a flea in hig ear. Next morning Jimmy got another tip. He learned that a combination of capitalists, known shares to corner and boom e hur- ried back to his bank, which he had left in Billy’s pie . get = s4n0” pape seanets Re and ‘o in on it. He foun with a sharp- loaned: sandy-haired mak, . “This is Broker Meyer,” said Billy. “He is very much interested in Se bank an or to see you. He “How do you do, Mr. Meyer!” said Billy, shak- ing hands with him. £ Having been forewarned, he knew what to ex- pect of the gentleman, who looked foxy enough to win a prize, Meyer had an unsavory reputa- tion in Wall Street, because he was always up to some sharp trick, and would shave a fri at as, quickly as a stranger. ° : . Being a member of the Stock Exchange, he had to keep within bounds. He couldn’t afford to go back on any engagement he of business, nor pull off any croo transaction, ae 6 did vir strictly seculsy, jut, neverthe- less, his methods were questionable and few trad- ers ted him nowadays without making sure of where od. Meyer the boy and then bank- has called - hinks he can give you a e@ in the course. heat he Oe bts he biel i Ale

Page 13

_ asking him questions about his bank and how he ~ Was making it pay. __ “I suppose.you loan money to anybody who can put up the right kind of security,” he said. “Yes, but I only take gilt-edged collateral,” _ Yeplied Jimmy. g , “Of course. You'd be foolish to touch anything €@lse. I’ve got 2,000 shares of Jupiter Copper, which is i, - at $6, as you can see by the _ Market report. I'd like to get five or six thou- Sand dollars on it. I can get the money at any bank, but as it’s a small sum, I thought I’d give "Fou the chance to take it and make the current ~ “You will have a fifty per cent. leeway on the _ Security. That’s safe enough, isn’t it?” é . “Oh, yes! But I’m afraid I haven’t funds avail- able to make the loan.” “T understand you had more than $5,000 cash in your business.” : __ “So I have, but I am loaning some of it every day. Just before you came in [ arranged to make _ a large advance on Q, & H. stock.” . “To some broker or speculator?” “T don’t care to say to whom.” At that moment Billy dropped a paper on Jimmy’s desk. The boy banker looked at it and read the following: 37 i: _ “Jupiter Copper falling like hot-cakes. Last quotation, $4.10.” Jimmy threw the slip into a pigeon-hole. aq me $3,000 on 1,000 shares,” said Meyer. *V’ll get the balance elsewhere.” “It would be more to your interest to get the __ Whole loan at one place.” _ ©. “I know it, but I’d like to give you the chance to make some money.” “Y’m much obliged, but I’m afraid I can’t take _ @dvantage of your kindness. Do you know any- -y “Pe will sell an option on 1,000 shares of “Want to get the stock?” said Meyer, pricking Up his ears, es.” F mat sell you that option if as offer enough ; oa “What do you call enough? It’s going at 80. ” ‘There’s the ya —- on the tape. I'll _- give 82 for fifteen days’ call.” _._ “No,” said foxy Meyer. “I'll sell a ten-day op- tion, not a minute longer, for 83. That’s fair.” TM let it go at ten days.” ; “Make it 82 1-2, and I'll go you.” ___ After some argument the deal was closed at - 82 1-4, and Meyer agreed to accept a five per t. deposit on the current price, or $4,000 cash.” al A BANKER AT 17 |

anker was in the seventh heaven of Jelight, the ~~ broker was as mad as a hornet. Everybody who - had the stock outside of the syndicate was mat- — X eee

Page 14

eet} urally holding on to it, for nobody cares to sell a rising stock as long as the prospects of it going higher looked good. The next day was the Fourth of July, and it was a holiday in Wall Street, as elsewhere. Jimmy invited Billy to go to Coney Island, and Billy accepted the invitation. The boy banker treated to everything in sight, includ- a Pn ma and, finally, supper as evening began all. “This is what I call the finest day of my life, Jimmy,” said Billy. “You’ve done things up in great style, but I guess you can afford the riffle.” “Sure I can,” replied Jimmy. “I’m a banker, ain’t 1?” “You surely are. I wish I was your partner.” f ow some gentleman’s life, Billy, and get him to buy you a half interest in the bank.” “Good scheme,” grinned Billy. “We’ll go down the pier after rg ban Then when we spot a p who looks as if he is worth money you push 3 off into the water. : save him. How’s that?” “Very fine, Billy—for you; but I’d land in jail, which I am not anxious to do. Think up some- thing different.” “Wait till I feed. Here comes the waiter. What are you going to have?” Then Yl jump in and The boys gave their orders to the waiter, and in a short time the dishes were brought and they fell to with excellent appetites. It was growing 2 dark when they left the restaurant. = “Where shall we go now?” asked Billy. “We have taken in most eve ing that I know of.” “Let’s walk around and see if we’ve missed anything,” said Jimmy. n the course of half an hour they reached the rear of a large beach show. “Let’s rest a few minutes,” suggested Billy. They squatted down in the sand behind an - empty barrel stan near the back door. It was a dark, sultry night, but the sky was aglow in all directions, except out at sea, with fireworks 2 the regular electric light illuminations. The “ watched the skyrockets in silence, though ns, y occasionally uttered an ejaculation when one bg ag Pprmen Ha exploded with a muffled report, high in the air. Suddenly the house door on the other side of the barrel opened and a voice said: _ “Quick, or the guy will see you! Give me the bag.” x oe The door shut and two persons came out. They did not see the two boys close by. __. “There ought to be a good haul in this bag, Barney,” said the first speaker, “for the gent you pinched it from is a broker. I _know him by _» sight and have taken messages to him.” es cn aon at Jimmy in the ribs. He recog- - nized the voice as beeoeee to Batt Flynn. “That'll suit me. at’s the guy’s name?” - said Barney. “Barry. His office is in—there’s somebody com- z. I'll drop the bag in this barrel. We'll back later and get it.” own into the barrel and the messengers scooted. The door was opened botgebody said: S “There they go—the rascals! Chase ‘em, had lost their plunder. Flynn came up = selzed him by the arm , Steen ozs ‘A BANKER AT 17 _ A man rushed out of the door and disappeared in the darkness, the door shutting behind. him. “Well, what do you think of that?” said Billy, “T always knew that Flynn and Gibbs were tough ones, but I didn’t think they’d do anything like that. The nerve of Gibbs to steal a gentleman’s bag. I hope they’re caught. In the meantime we'd better take possession of the bag and hunt up the gentleman who was robbed.” Billy pulled the barrel over and picked out the hand bag. It was black, and bore the in- itials “W. B.” “It belongs to a broker named Barry,” said Jimmy. “I wonder if that’s the Barry who is one of my dollar depositors?” “It might be. At any rate, as long as he’s a broker we'll be able to find him in Wall Street if we fail to find him here.” When they tried the back door of the show they found it locked and their knocks failed to attract any attention. : “Come on around front,” said Billy. They made their way to the box office. “T’d like to see the proprietor,” said Billy. ao do you want with him?” asked the box cler’ “T want to see him on important business.” “Buy a ticket and go in and ask for him.” “T don’t want to see the show again.” “Stand out of the way, then.” As there were several people waiting to buy, tickets, Billy backed away. “Here’s a dime, Billy; buy a ticket and go in,” said Jimmy. “What! Pay to go in to return that bag? Nixy! I’m going to take it to the city and ho up the owner to-morrow,” said Billy. “I mi get something from him for returning it, but the boss of the show wouldn’t give up a nickel. Come He started off, and Jimmy let him have his way. Flynn and Gibbs made good their esta in the crowd, and an hour later they ventured return after the bag. To their suprise and dis- Sei they found that the bag had disappeared rom the barrel. They supposed that som connected with the show had discovered it they were angry over the loss of their plunder. nin and Billy remained at the Island till o’clock and then took a boat back to the city, an the bag went with them, and was left in care of © the clerk of the Newsboys’ Lodging House when — they turned in. Ene ne ee ee OG te eI ey ee Sone ee eae, oh rere at, CHAPTER. X.—Strenuous Proceedings Over the Stolen Bag. Next morning Billy carried the bag down with him when he and Jimmy went to the It happened that Flynn followed them down sau street, and he recognized the bag as the ¢ his pal had stolen the evening before at Island: He was greatly astonished to see it n in Billy Owens’ possession. At the corner Pine street he met Gibbs talking to a smoo' faced man. This man was a professional whom Gibbs knew well.. Barney was telling the affair at Coney Island, and how he and

Page 15

said. : -_ *T know we lost it.” ; ere it is now, going down the street in the land of Billy Owens.” . * Barney looked, and saw a bag very much like the one he had stolen. : _ *That can’t be the bag,” he said. ms get it?” iR “Dat’s de same bag. I’seen de initials—W. B. it,” insisted Batt. : “Tf it’s the bag pinched and dropped into the mere I'd like to know how Owens got hold of ” “How would : “I couldn’t tell yer; but we must try and get it @way from him.” : “How are we going to do it?” “Put up some kind of a bluff dat we know de - ™an who it ne to.” . “Say, Casey, will you make ‘a claim for that bag?” Barney asked the crook. : Give me all the points and I’ll see about it,” - Said Casey. -. “Come on with us and we'll put you onto the - The three followed Jimmy and Billy as far as ie corner of Wall and New streets, and from _ that point watched the two. boys o: down into anker _ the basement where the boy ad his place of business. “Tf we're going to get that bag, now is the time,” said Barney. t is half-past eight and the clerks who work around here are only just _ beginning to arrive.” “How about dat fruit dealer? He’s a big, Strong rooster. He fired me out once, and I don’t _ Want anudder run-in wid him,” said Flynn. “He ain’t there yet. He’s got a boy that opens up. He won’t chip in.” “You don’t e to have a row over the bag, “do you?” said the crook. “I’m just going in to “poe it. If they won’t give it up, I’m not going _ to start a racket over it and get in trouble just ~ _ to obli u chaps.” weer 08, “Well. ere’s a bunch of money in it. If you Bit it we'll divide with you,” said Gibbs. “Sure there’s money in it?” : f ~ , “Do you suppose I’d have run the risk of pinch- > ing it if I didn’t know it was worth while? Batt ed me seen a man give the broker a big wad and _ he put it in the bag.” ; _ Gibbs hadn’t seen any such thing, but he want- ed to iteres: the crook. The young rascal be- lieved e was money in the bag, but he was not Pesitive about it: On general principles he _ and Flynn were anxious to get it back. A plan __ ©f operation was finally decided on by the crook = @ messengers. They walked down to the to the basement and Casey entered the £3, “Say, this js the boys’ - ain’t itr? be said. =~ es,” said Jimmy, eyeing him curiously. Z - “You chaps were at Coney Island yesterday, : continued. _ gdimmy and Billy looked at him in some curi- We were, What of it?” said the former, “A broker Barry a in one © : the shows, Hie heard Sat gv {ellers ound it he sent me here said the croo elke. Barc sent you?” said Jimmy. a4 A BANKER AT 17 18 “That’s what he did.” “Who told him we had a bag belonging to him?” “Somebody who saw it in your hands.” “That isn’t very definite.” “He sent me for it, so hand it over.” “Got a written order from Mr, Barry?” asked Jimmy, who was satisfied the man was lying. At the same time he wondered how any on could have learned that his friend Billy ha brought the bag to the city. “What do you want with a written order? Ain’t my word good enough?” ‘No, it isn’t,” replied Jimmy flatly. All this time the bag stood on a = Se near the railing, and Barney Gibbs, curious to learn how things were coming on, had come into the base- ment and spotted it. While Jimmy and Billy’s attention was occupied with the suspicious vis{- tor, he sneaked up to the railing, leaned over, grabbed the bag and started off with it. Billy was not asleep, however, and pot ento Barney the moment his hand touched the bag. He was an instant too late to prevent the rascally mes- senger getting away with it. He sprang over the railing and gave chase just as Jimmy jumped ibbs saw up. As Billy was a pretty active lad, that he was likely to be overtaken, so he tossed the bag to Flynn. Batt bbed it and ran into the first floor of the bullding toward the rear. Billy caught Gibbs, gave him a punch, and then ran after Flynn. Barney, seeing his pal was in danger of losi the bag, followed. Billy spied F] at the b window, and dashed for him. Flynn started to dodge back and forth, but he couldn’t escape from Billy, who grabbed him and snatched away the bag, one end of the long strap attached to it coming loose in the struggle. Then it was that Barney arrived, and he and Batt made a combined attack on Bily. That youth dropped the bag and defended himself so vi orously that the two messengers drew back recover their breath. Billy, seeing they intended to Ps ea the scrap, and not feeling sure he would be able to prevent them getting the bag away from. him, lowered it out of the window and shouted to J eee There was a deep cellar und the basement, where the engine room was, an the air-shaft not only ran several hundred feet skyward, but also about forty feet down from where Billy stood at the ground corridor window. If Jimmy failed to hear him and come to the basement window below, Billy intended to drop the bag down into the cellar. Jimmy heard him while still engaged with the crook, ran to the window and ‘looked upward. Y “Catch the bag!” cried Billy. “Batt and Bar- ney are up here trying to get it away from me.” he crook had. followed Jimmy to the base- ment window, and he heard Billy’s words. He decided to push the boy banker out-of the w: and get the bag himself. The boy anticipated ose, Springing on the window sill, Jimmy eld on with one arm while he reached for the bag with the other. The rascal seized him the waist and tried to pull him back. Billy - ly jerked the bag back. t the same moment Flynn and Gibbs, seeing their chance, suddenly attacked Billy, who was taken at a disadvantage. In order to defend him- self, he let go of the strap 4S and the bag fell to

Page 16

14 A BANKER AT 17 the cellar floor of the court. Then the plucky little newsboy squirmed around and pitched into both Barney fs Batt for all he was worth. In the meantime, assistance had come to Jimmy. At the moment the crook grabbed him the fruit dealer’s boy grabbed the man by the throat and pulled him backward. Jimmy lost his hold and recoiled against Casey, who fell back, half-choked, and the three tumbled over on the fioor. The crook, seeing that matters were turning out bad- ly, scrambled to his feet and escaped from the basement, leaving his messenger pals to settle the matter themselves. Jimmy followed him, but only as far as the sidewalk. He rushed into the corridor above where Billy was having a hard struggle with the messengers. He piled right into the scrap and evened mat- ters up. As neither Barney nor Batt cared to wage combat on even terms, they fought them- 3 selves free and then dashed out of the building a and down New street as hard as they could go. = Billy was considerably battered up, but he was a game chap, and wiped the blood from his mouth = with great unconcern. 3 ; “The bag is in the cellar,” he said. after it.” i He started down the back stairs, narrow. iron ones, while Jimmy went to the door to see if F Flynn and Gibbs were in sight. As they were = not, he went down into the basement and thanked ay the fruit boy for helping him out. Inside of five minutes Billy showed up with the bag and placed it beside the safe. ; P “What a nerve those fellows had!” said Billy, when they resumed their seats. “We ought to have them arrested. We can swear they stole the bag. I wonder who the man was who came in first and tried to bamboozle you out of the bag?” “When yen return the bag to Broker Barry, you can tell him all the facts of the case. If he decides to have Flynn and Gibbs arrested, we'll _ testify against them; otherwise I don’t see any use of bothering with them. They’re bad eegs, and the less we have to do with such lads, the better,” said Jimmy. : : About eleven o’clock Billy went off with the - bag to call on Broker Barry to see if he really was its owner, and in that case to return it to him. Jimmy, between intervals of transacting “I'm going tape and saw that Q. & H. was jumping fast _ teward par. calculated ats M on Mr. what that gen- that he had that it could not possibly be affected by any loss he might sustain. that to Spencer. above par, or 100, Billy returned with a broad smile on his face. 2 money J want. the market again. knows that you helped me save his bag. He’l buy the option from you, or sell it for you.” _ his banking business, kept his eyes on the ticket . ‘called to see me.” : stock and wanted me to loan him $5,000 or $6 sa i eit pe Co} is He intended to explain all When Q. & H. got a fraction —— we “The bag belonged to Mr, Barry, and it didn’t contain a cent of money; but it did hold $10,000 worth of negotiable gilt-edged bonds, which a gentleman at the Manhattan Beach Hotel gave him yesterday to sell for him,” said Billy. Barry was so glad to get gave me a check for $500. Here it is.” “Mr. his bag back that he “You're in luck, Billy. I congratulate you,” said Jimmy. “You're entitled to half of it.” “Not a bit of it, Billy. I’m making all the ~ You keep that.” “I wish it were $5,000, so I could go in busi- ness with you.” “Never mind, I'll take you in, anyway. I’ve capitalized my bank for $1,000. I‘ll draw out half of that and up, then we'll be partners—see?” ou can put your money in to make it “Fine!” exclaimed Billy, in great delight. CHAPTER XI.—Jimmy Makes a Big Haul and Takes a Partner. \ “How is Q. & H. now, Jimmy?” said Billy, a few minutes later. Jimmy looked at the tape. “It is 101 1-8.” é “You’re away ahead. When are you going to get out?” “Right away. You watch the office while I go over and see Spencer.” “You'll"get a raking from him for going into Better call on Barry. He 1 Good idea, Billy! It’s a wonder I didn’t think — of him before. He’s the gentleman who warned - me against Meyer as a particularly foxy individ- ual. He'll be quite tickled to learn that I've Lope point oe the alt on,” and Jimmy jumped up, put on his hat and left the bank on id coon as “i Yes, he’s the man ~ It didn’t take him long to reach Barry’s office. That gentleman was in, and Jimmy was admitted at once to the private room. 7 é Barry readily. Salts “On the morning after Bh called on me to _ eyer, that gentleman os “He did, eh? ‘He didn’t lose any time about it.” “He brought 2,000 shares of Jupiter eee a7 acne a share — sa

Page 17

Ss A BANKER AT 17 15 “So he went away disappointed *” No; he went away quite pleased. ” 2 es? -_ “f'l] explain. In the course of our talk I asked him if he knew anybody who would sell an option - ong. & H.” ER , * “Q. & H.? That’s oes | like a house afire. *T know it, and I expected it would, five days ago.” ; a How?” : - Oh, I heard that the Baker Syndicate was cor- _ ‘hering it.” “There was a rumor to that effect, then, around - the Street, but rumors are never to be depended On.” Pa . . ' “The rumor proved to be true, didn’t it?” _ *Yes, for the price has advanced nearly twenty _ Points since then.” - if — _ “Well, I had mone better than a rumor. _ My information was good as a regular tip from How I got it I’d rather not explain. _ the inside. , ; at any rate, I was on the a of leaving an 3 order with the little bank on Nassau street, where ~ Pye put through several successful deals, for 400 ~ Shares, when Mr. Meyer called on me. After _ turning down his application for a loan I asked _ him, more for fun than anything else, if he knew _~ an y who would sell an option on Q.& H. He told me he’d sell a ten-day one for 83.” _ _. “Did you take him up ?” asked Barry quickly. Not until I persuaded him to sell the option at 821-2.” _ “Do you mean to say that he sold you the op- _ tion at that price?” *Yes,.” “On 400 shares?” “No; 1,000 shares.” Barry whistled. And you have the option yet?” - “Here = a ‘ _ Barry looked it over. “By “George, young man, you’ve caught him Nicely! You stand to’ win $19,000 at this mo- Ment.” “J know it, but, you see, I can’t call for the b. Stock as I haven’t the money to pay for it. I " €ame around to see if you’d take it off my hands ata discount of a thousand dollars.” “No, I wouldn’t -- a cent of Pad profits na _ you on this particular option. 'y one who shrewd enough to catch Meyer deserves all he _» €an get out of the deal.” “Then you'll help me realize on this-option?” “Sure [I will.” “[’'m much obliged to bain : _ “That’s all right,” said the broker, figuring on B pad. “You need $78,222.50 to take that stock - fist sum. ‘Take it around to the bank and have | sell them for yow at the market.” & sir.” Chee Y'll draw a check to your order for Then call on Meyer and ask him for When you get m bring them to th the check in his possession, Jimmy started s mission. The “sat do “IT have come for those 1,000 shares of Q. & H.,” said Jimmy. “You won’t get them from me,” growled the broker. : “Why not? You agreed to sell them to me at 82 1-4, any time within ten days. Here is your option to that effect.” “Y’m not disputing the fact, but I haven’t got the shares. Couldn’t find them, for the stock had been cornered as tight as a drum. I'll pay = the difference. That is the only thing I can do.” “All right,” replied Jimmy. “Give me your check for $24,000, which is the difference plus my deposit, and you can have your option.” Meyer looked at the tape, drew his check for the sum and tore his option in pieces. He was in bad humor, but that didn’t help him any. Jimmy went back to Barry’s office. “Here’s your check back, Mr. Barry,” he said. tg dy the matter? Why, didn’t you get the s ” “Mr. Meyer didn’t have it to deliver, so he set~ tled with me for the difference, which amounted to $20,000.” “Good! Meyer is out just what you have made. This will be a fine story to tell around the Street. It will be the hottest ever on Meyer. It will give you something of a reputation. Everybody will soon be talking about how the boy banker of New street put it over the foxiest trader in Wall Street to the tune of $20,000. Young man, you're a bird.” 7 Jimmy returned to his bank feeling fine, for he was worth $24,000, outside of his bank. “Now, Billy,” he said to his friend, “we will see about our partnership. We must have a regular agreement between us. Go out and buy two partnership blanks. Here’s a dime to pay for them.” Billy went out, and Jimmy. attended to the customer who came in to draw money or put some in. Billy came back in a short time with the blanks, and Jimmy filled them out. After reading one of them over to Billy, they each signed both of them. “Now hand over your check. You've got a half interest in the banking business. My specula- tions are separate from the bank, you understand. The bank does not speculate. At present you have embarked in a business that is losing money. The most the bank has earned in any one week is $9, while its expenses for rent and some small matters total up about $15 a week. But you needn’t mind that. You can keep on selling pa- ad for a while to pay your expenses. I’m not awing anything from the bank to pay mine. My interest in the bank is now the same as yours —$500 worth. I have $24,500 in cash that I have made in Wall Street, which makes me worth $25,000. As soon as the summer is over I shall to extend the operations of the bank, loaning whatever cash of my own as may be necessary. On the whole, Billy, I think that one of these ‘days you'll = that I let you into a good thing for a measly Billy expressed himself as satisfied with whst- ever Jimmy and did, and putting on his ha he went out to get his afternoon’s supply of x s pers. At four wr.

Page 18

16 and give up playing the market?” he said. “I told you it wasn’t business. That a banker——” “Before you go any further, let me explain,” said Jimmy. : “Tl hear what you have to say.” , Jimmy then told him how he had separated his banking business from his stock operations, so that no matter what happened to his speculations the bank would atways be able to pay depositors in full and have $1,000, or about that, over. The breker smiled at the boy’s argument. “It’s all right in one way, and all wrong in an- other,” he said. “However, I won’t call you down for following the bent of your inclinations, as Barry told me that you played a clever game on Broker Meyer and won $20,000 by it. Tell me all about it.” Jimmy did so, and Drew chuckled. “I'm almost of the opinion that you would make a better speculator than a banker. How much are a worth now?” ~ “Twenty-four thousand, five outside of my bank.” “You may not be worth 24,000 cents a month from now if you keep on speculating. Now that you are so well fixed financially, why don’t you put all your money in the bank as capital and widen out your operations by loaning money to brekers on first-class security ?” “There is an obstacle to that.” “What is it?” “l’ve taken a partner in the bank.” “A partner?” “Yes: my friend Billy Owens. However, I have plans in view for advancing the usefulness of the bank with the aid of my outside capital. I'll let yeu know about them later. I’m not quite so anxious to continue~my speculations now as I was. When I had a little money I didn’t care if I did take chances, but now that I have captured quite a boodle, I don’t want to lose it.” -.. “fm glad to hear it. You have been remark- ably lucky-in- your speculations. You mustn’t expect such luck to continue. With the beginning of a bank under your control you have the legiti- 4 mate chance of your life before you. On the re- cults of the next few months may hinge the whole success of your business life. So you want to be very careful what you do.” “With those words, the broker got up and took _ his leave. hundred dollars _ CHAPTER XIL—A Wall Street. Boy’s Syndicate. _ Thé boy banker and his associate, Billy, added quite a number of depositors during the summer to their bank, and most of their boy depositors ~ine their savings, so that on the first of September the amount of money due depositors exceeded $1,000, though the amount of loans did net rite 3 more than $50 a week. During those xo months the expenses of the bank were about $125, and its ‘oss of income about $90, which represented of $35, which Jimmy made up h so s not to impair the capital of $1,000. On the -of September, Jimmy made the first im- t loan since the bank opened. Mr. Drew A BANKER AT 17 a n to him who wanted to borrow $2,000 th of Govermment bonds. my charged the man at the rate of six per cent. a year, or $10 for the month. Thus, every cent of the bank’s deposits and its capital was out at interest. A few days afterward a small broker called on Jimmy: and asked him if the bank had any money to loan on stocks. “What kind of stocks?” “Well, I’ve 1,000 shares of Golden Giant min- ing stock worth $1 a share, that I would like to raise some money on for ten days,” said the broker, Jimmy knew the mine was a pretty good one and that it held its maket price right along, so he said the bank would loan sixty per cent. of oO” or $6,000. The broker said he wanted 7,000. “I can get $6,000 from any money-lender,” he said. “Well, we’re not Toaning any more on stocks than any bank is,” replied Jimmy. After some argument, Jimmy agreed to loan $6,500 for ten days, provided the man paid $25 in advance for the accommodation. He agreed ~~ to that, and transferred his ownership in the stock to Judd & Owens for the time being. Jim- =f advanced the money to the bank for a payment of $5. Under a loan of this kind, if the stock took a drop in price for any reason whatever the boys’ bank could call on its debtor to put u more security, in default of which the bank ha the right to sell the stock if such a course was necessary to protect its loan. No such contin- gency arose in this case. The broker returned the loan at the end of the ten days and the bank gave him back his stock and the transfer paper. These two outside loans, together with the bunch of smal] loans always running among the boy customers, enabled the bank, for the first time since Jimmy started it, to show a slight month’s excess in receipt above running expenses. Since his success with the option, two months previous, Jimmy had made no further attempt to speculate. In the first week in October, however, he was attracted by the advance in M. & N. stock, and he bought 1,000. shares on a chance, at 84. The price kept on up to 88 and Jimmy was figuring on making another haul, when the mar- ket broke and the price tumbled. He hurried around to the little bank where he had made the deal and ordered his deal closed out. Fortunately, the shares were sold for 85 3-8, and he got out with a profit of $1,000, but he saw that if he had not been particularly spry he would have lost on the deal, for M. & N. went rapidly down to 80. ~~ After that he became shy of the market for Bah eS Lae were ers, though they

Page 19

Sum, pro rata, of the purchase price. The only ee e the mae peste une piel to baggac raise _ €nough money to satisfy the mortgage and inci- dental charges, and get the sale called off. An effort had been made to do this, but it had failed, owing to lack of funds on the part of the stockholders. Jimmy was very much inter- _ sted in the matter. He made inquiries as to _ What figure the road was likely to go at under _ the hammer. No two persons hé asked agreed as to the amount, but averaging the opinions up, the estimate reached was $600,000-$100,000 above the mortgage. The road had cost a mil- lion and a half to build and equip, one-third of hich had been raised on the mortgage. Under the most favorable conditions the stockholders Would get less than ten per cent. of their invest- “Ment back. The probabilities were they would be lucky if they got more than five or six. Then _ it wa8 that Jimmy wondered if, with the aid of __ his broker friends, he could form a syndicate with _ capital enough to buy a majority of the stock _ nd afterward satisfy the mortgage. His idea _ Was to privately offer enough of the small share- _ holders between ten and fifteen per cent. of the Par value of their shares, at an outlay of not _ Over $150,000; pay the mortgage off, get the - Yeceiyer discharged, advance a certain sum to _ the treasury, and then offer the road outright to _ the traction trust for a price that would bring the Syndicate a good profit on the deal. : _ Tf the trust refused to dicker, then the syndi- Cate could raise a new mortgage on the road and _ Yun it under a new board of management. After road was carried on a while the syndicate iy > 1 Se gained knowledge and e ience in his associa- Leidou' Before making any move at all, Jimmy secured _ @ list of the stockholders of the road by buyin five shares held by a farmer. A broker frien _ him the points on how to proceed, He got shares for a song, and that gave him the : access to the company’s _ Stock book. He copied the list complete, with A me. Py ad 4 ao Prk res i) i a z x @ ° a ic} ca o f=7) ° Ra = @ ‘S eo S 5s & 3 1° mile. Yes, sir. I want to raise $625,000 right away. put in $25 myself, and I want to secure yperation of twelve who will A BANKER = AT 17 Cl Wee ‘Seginning, to loom ‘Up as @) ought to put it on 2 money-making 1? financier, and no mistake. I suppose you are in a position to satisfy the twelve gentlemen in question that the object of your syndicate is a good business Ppa “I have all the facts with me, and I came here to lay the matter squarely before i If, after I have explained the deal thoroughly, you think it will not prove a profitable and safe venture, why, I’ll drop it; but it seems to me that the scheme is a good one and ought to pan out. It’s a whole lot safer than trying to corner a stock like many syndicates are formed for,” said Jimmy. “Go ahead and state your case. You shall have a fair hearing,” said the gentleman. Jimmy at once launched into his subject. He stated that the sum of $625,000 would purchase the controlling interest in the W. & L. Traction Company of New Jersey, and pay off the mort- gage of half a million on it and all legal ex- penses to date, and as the payment of the mort- gage would give the syndicate a virtual lien on the entire peaperty of the road, the syndicate would be able to do anything it pleased with the road, independent of the rest of the stockholders. The road had cost one million and a half to build and equip, and was worth at that amount, according to a fair appraisal, $1,200,000. By taking over the property and subsequently either selling it to the traction trust or manipulating the stock on the market, the syndicate stood to double its investment. Mr. Drew listened atten- tively to Jimmy. He was really astonished at the completeness of the scheme as peo by the boy. The young banker had left nothing of im- portance unattended to. Every detail of the plan was outlined, and each fact was backed up by conclusive evidence. “Well, what do you think of it?” said Jimmy, when he had concluded. “I think you have a great head, young man. You have gone at the tie in a way that shows you thoroughly understood the subject. You have obtained all the necessary facts, and I am bound to say that I am in favor of pushing the thing through. You can put me down as the first mem- ber of your syndicate, and [ am ready to hand you my check for $50,000 on demand.” “Thank you, sir. I don’t believe I ought to take control of the funds as it is a large sum for a boy to handle. My idea is that you should act as treasurer of the syndicate.” “Very well. Probably the gentlemen you call upon to take part in the syndicate would rather have a person of financial responsibility to act as treasurer. Your idea in that direction shows more good jud ent on your part. Now tell me who you intend approaching.” 5 : Jimmy mentioned Spencer, Barry and a half dozen others. “T haven’t enough on my list, even if all take to it like yourself, so I may have to ask you to ‘take a hand and help me out.” “J will do so, if you wish, but as you are en- ineering the scheme, I thi rough yourself. the plan than anybody else. It is your syn and if it works out all right it will give you undoubted reputation in Wall Street as a y financier. I give your bank a boom te, an jo ed i Ss 4s AE i E oe basis. Yu a 4

Page 20

18 have already attracted favorable notice on ac- count of putting that option deal over on Meyer. - I have heard more than one broker say that it — pe . as Sp was the smartest trick a boy ever turned off.” Mr. Drew said he would give Jimmy a letter, expressive of his confidence in the scheme and his intention to take part in it himself to help him. He also furnished the boy with a list of people that he might approach and introduce him- self to by means of the letter. The broker called in his stenographer and dictated a strong letter of recommendation for the boy banker. As soon as a typewritten copy was presented for his sig- nature he read it over and placed his well-known name at the bottom. Armed with this valuable aid, Jimmy started for Barry’s office. CHAPTER XIII—The Syndicate Gets Busy. Broker Barry was in his office when the boy banker sent in his name. He was pleased to see Jimmy, but his astonishment was considerable when the boy announced his errand. “So you have started in the syndicate business,” said Barry, with an odd smile. : Se “T/have, and I expect to get you into it with a contribution of $50,000.” “Are you intending to run your bank on the syndicate plan?” laughed the broker, thinking that was the boy’s object, and rather staggered by his nerve. : “No, sir. The syndicate has nothing to do with bank.” : ou have the idea of cornering some stock, I presume?” chuckled Barry. “No, sir. Nothing of that risky nature.” “What, then?” : Jimmy laid his scheme before him. Broker was favorably impressed by it. m j oor: did vou come to think of it?” he asked. Jimmy tol i : “Have you a list of the people you are going to invite to join you?” “Here it is. Mr. Drew has already agreed to : ere is his letter.” —_ Rar pet here, young man, you couldn’t have led off with a better man than Drew. You ought to ‘be able to round up that syndicate in no time with Mr. Drew behind you. Count me in for your secens member. My check will be ready on J = een vod say that on the back of this letter?” - * will”: The broker at once wrote: “J herewith subscribe $50,000 to the Jimmy Judd dicate for the purchase of the W. & L. ‘Traction ‘Co. (Signed). Wm. Barry.” 1 Broker Spencer. When that gentleman saw _ Jimmy’s next and last call that afternoon was - ined my views, but it is : re! _ be advanced — in ‘inte, ‘Drow ideas A BANKER AT 17 went into anything he did not feel sure had the earmarks of a winner. His name was a lodestone to the boy, and by noon Jimmy had ten members assured to his syndicate. All he needed was two more, and he got them that afternoon. Then he called on Mr. Drew and showed him the results of his efforts. “The syndicate is complete, sir,” he said. “I have $600,000 pledged, and my own contribution completes the amount. We had better call a meeting at once and start the ball rolling.” “We will have the first meeting here in my office at five o’clock to-day. Go into the count- ing-room, draw up the notice, and ‘tell my stenog- rapher to furnish you with a dozen copies. Sign them; I will countersign them and send them around by my messenger. Then come back here at five.” : Jimmy prepare the notice, signed thenf as manager of the syndicate when the dozen copies were handed to him, and then he left them with Mr. Drew, who called his stenographer in and furnished her with the names and addresses of the eleven gentlemen they were to be sent to. Jimmy returned to the bank and told Billy «° his success in completing the syndicate. ; “You’re a corker, Jimmy,” said Billy, in a tone of great admiration. “Six months ago you were a newsboy, scraping for a living; now you're a banker and financier. My, how smart you are! It was a lucky day for me when we came to- gether.” Promptly at five o’clock Jimmy appeared at Mr. Drew’s office. Some of the syndicate mem- bers were already on hand. The others came in shortly. All were impressed at the unique idea of being connected with a syndicate headed by a boy not yet eighteen. The brokers could not hel sizing Jimmy up as a most extraordinary lad. He was certainly a smart financier. Such a boy, if he lived, was likely to become a power in Wall Street when age and experience had brought out all that was in him. Jimmy called the meeting to order. “Gentlemen, 1 have explained to each of you, individually, the details of our scheme, so there charge of its own pro ( after that the syndicate will decide. I have « byte. Brew 2

Page 21

_ Jimmy sat down and Mr. Drew got up. He - praised Jimmy’s scheme, complimented its young originator, and said that its success seemed as- ' sured already. He moved that the entire sub- “Seription be paid in at once. He had accepted the office of treasurer, and would be responsible for the money. Every member wrote his check _ and handed it over to Mr. Drew. After some further talk the meeting broke up, subject to the ' Call of the young manager. fac “That recht Sfter they had had their suppe:, - Jimmy and Billy remained at the bank, preparing _ checks to be handed over to the stockholders who given options on their stock. Next mornin ~ he signed them. They had been made out on his bank. Then Jimmy went over to New Jersey, ‘talled on all the parties, exchanging the checks for the stock. Then he visited the company’s of- it be transferred to himself and the other mem- of the syndicate. Next day Jimmy called _ Said that the combination of interests he repre- sented, having acquired control of the majority ‘the road sold ‘out at public sale. The receiver Would oblige him by giving him a memorandum _ heck would be in his hands. : “Say, young man; whom do you represent?” he __ “I represent a syndicate which has secured a Majority of the stock and, consequently, controls Poses to pay off the mortgage and put the road 0n its feet. _- “Not even a little bit. The road is an independ- After some further talk the receiver furnished immy with the amount that would be ived Teceiver -by and returned to New York. = Next day 5 ay Den over the two checks and = _ Stop the sale and settle everything. The receiv- €r did as he was told and the road was rescued teeny took the bunch of checks to Mr. Drew an an auto with a chauffeur, by the hour, and _ fice and turned in all the stock, with orders that On the receiver and took him off his feet. He ef the company’s stock, did not propose to have ; of the total amount and next morning a certified asked. _ the road,” replied Jimmy. “The syndicate pro- 3 “Is, this syndicate connected with the traction y 4 line, and it is going to remain so for the pres- to take the road out of court. Then he bade the gn them to the receiver, with instructions to Se Tom the final stage of the foreclosure proceed- ; record for the purpose of reorganization. The. presi- BiMeRE saw his finish as the head of the road in _ Sight, but there was nothing for him to do but oh y the request. The meeting was- called for that day week, at five o’clock, at the company’s . offices. ; Most of the shareholders, curious to learn wha’ i happen and to find out oar | 4 be saved from a sacri- of ,the receiver's hands. Set SEE der edan aie A BANKER AT 17 19 igt { Application had already been made for tke dis« charge of the receiver, and the road, under new management, would soon be in possession of its property. He then put up a list of brokers, which included his own name, for election as directors, The president and his friends put up an oppo- sition ticket. Naturally, the syndicate won, ag it had a majority of the stock. At the close of the meeting the new directors held a meeting themselves and elected Donald Drew, president; Jimmy, vice-president; Spencer, secretary, and Barry, treasurer. Mr. Drew at once assumed nominal charge of the road, and in due time the receiver was discharged, and then the president took full charge of affairs. CHAPTER XIV.—Conclusion. Although the W. & L. Traction Company had been reorganized its destiny was still under tha control of Jimmy’s syndicate. The members of the syndicate not only owned the ma jority-of the shares, though that majority was limited to 100 shares, but the syndicate, as a financial combina- tion, held a lien on the road for the amount of mene advanced to take up the mortgage, and this lien covered the property of the company practically in the same way the mortgage had done, excepting that it had the added advantage of being subject to call at any time. Under these « conditions Jimmy might be considered the boss of the situation, but, of course, he was only nom- inally so, as any action was subject to the vote of all the members of the syndicate at a meeting called for that purpose. Such a meeting was called shortly after the reorganization to determine whether the syndi- cate should operate the road for a time as an in- vestment, or proceed to carry out the final part of Jimmy’s plans, which embraced the offer of the line at a d profit to the traction trust, When the at spear into the hands of a- re- ceiver it gradually lost standing in the stock mar- ket, and when the bondholders, finding that there was no chance of the company getting on its feet again under the receiver, applied to the court for an order of sale, the stock céased to be dealt in. After the reorganization and discharge of the receiver the obtained some recognition ag a security again, but only to a limited extent, some trades being made at around $10 a share, the F 2 value being $50. At the meeting of the syndicate it was decided to negotiate a new mort- gage of half a million, if possible, to Ray off the hen. After the meeting of the syndicate was over the president and directors held a brief pow-wow and the president was instructed to ne- gotiate the mortgage. . That would take time, for the property had to Pes be appraised. As Jimmy could spare his time F from the bank better than the brokers from their _ offices, he was instructed to go all over the road Le and have the buildings, power plant and other property put in the best shape possible for tha Bs - eh med to —-. Bs the per the a oys’ was doing good business er Billy's = t. ‘The Asinetts to increase, *

Page 22

»~ 20 most of the bank’s money to small speculators on certificates of good stocks. The fruit man ' wanted to get out of his half of the basement, but could find no one willing to take his lease Off his hands. Had he been in possession of the whole cellar, he would have had no “trouble. Finally he made a proposition to Jimmy to take the entire basement himself and have it fitted up in good shape for the banking business. “J don’t think much of this boy business you’re doing,” he said. “I don’t believe you have made enough out of the boys to pay your expenses. What you want to do is to take the whole place, put on a little style, and cater to men in addi- tion to your boys. Then you'll work up a busi- ness in time.” Jimmy privately agreed with him, but did not care to admit it. Mr. Drew had some plan in = view for giving the bank a start, but had not told | him about it yet. The boy banker knew it would be a great advantage to his business to have the whole basement, but unless he could put more capital in and expand his loans he could not af- ford to undertake the expense. He dropped in to : _. see Mr. Drew about it. 3! “So the fruit man wants to get out?” said the > banker. “Well, if he'll sign over his lease for nothing, take the place. I’ll advance you the necessary funds to fit the place up so it will have the look of a regular bank and to meet expenses until the syndicate concludes its business and you get your $25,000 back, with your profits, which I hope will amount to as much more. Then you can put more capital in the bank under some equitable arrangement with your partner.” So Jimmy went back to his bank and told the he'd take his lease off his hands, but he couldn't afford to pay him anything for it. The man took him up, and the arrangement was - made between them. As soon as the fruiterer moved his stock out, Jimmy looked up a man who _ sold second-hand office partitions and other things im the line, and bought what he needed to fence in both sides and the back of the basement in regu- lar banking style. He had a carpenter come and put them in place. A window was made for the — Receiving teller, another for the paying teller, and a third for another purpose, and he put signs over them. ; At the back was a door marked “Private.” He had a couple of tall desks with stools put in on one side to give an air of a counting room. The opposite side was left entirely bare, but as no- ie could see in there, visitors could easily im- _ agine that it was crowded with desks, books and : eaves. It took nearly a month for the traction - company to put its loan gh, but it got the money. It was immediately turned over to the i en, with a few thou- ent of its li which had been expended by the com- taking eee. Wat lem cd a8 . ay : meni: ERE AY ME Se ov # » , ye cet CAVES.” i en or Le ae nats oF, a A BANKER AT 17 Paid paragraphs appeared in the Jersey Ci pa rs to the effect that the road was in suc ad shape that the people who had bought it in were sick of their bargain and anxious to get rid of it. The remaining stockholders took alarm and made offers to sell. Jimmy saw them and said that he guessed the syndicate didn’t want their holdings now. That made them all the more eager to get out at any cost. So Jimmy said that as the price offered by the traction trust was very low, he would make them a corresponding offer which they could take or leave. His offer was one-half what he had offered them before, and he got the stock. With nine-tenths of the shares in its possession, the syndicate changed front. Word was printed in the papers that the rumor about the W. & L. selling to the trust was with- out any foundation. No such negotiations had ever been under way. The rumors had been cir- culated by interested parties to hurt the. road, which never had been in better condition. The members of the syndicate began bidding in the Exchange for the stock, and as there was practi- cally none to be had they had their own way and drove the price up to 30, created a demand for it, and began letting some of it out through Jimmy’s bank. In a week the bank sold 50,000 shares for $1,500,000, and the syndicate paid Jimmy’s bank something over $6,000 in commis- sion. That raised the bank’s capital to $7,000, to which was added $1,500 in deposits. Then the syndicate divided the 40,000 remaining shares of the traction company among its members, and’ also the $1,500,000. Jimmy received one-twenty-fifth of both—$60,- 000 in cash, which represented a profit of $35,000, and 1,600 shares of stock, nominally worth $30 a share, but which soon dropped to between $15 and $20, and which might be considered as haying a real market value of $25,000. The syndicate then disbanded, after having made a profit dou- ble of what Jimmy had figured on. Jimmy and the members of his late syndicate agreed not to sell a share of the stock, and this agreement was signed by the few outside share- holders having 10,000 shares. Several of the brokers resigned from the board of directors and — their places were filled by the outsiders. Mr. Drew continued as | agg and Ji as vice-president, but the offices of secretary an treasurer were apportioned to the outsiders. The © parties in control began putting the road in bet- ter shapey and its business began to incre though it turned in no profits over its fix charges and operating expenses. sya As soon as the cate disbanded each member of it deposited — $10,000 in Jimmy’s bank, or $120,000 altogether, py Jimmy put in enough money to raise tal to $135,000. A capable cashier and several clerks were hired, and then Jimmy, through his broker friends, began loaning money to Wall Street men on gilt-edged security. As it was against the law for minors to hold commercial bank accounts, Jimmy made a special savings de- partment for the newsboys, bootblacks and others who had helped start his b business, an paid them the highest interest he could afford. Next week’s issue will contain “THE MY. - os, the capi- — ¥ bal al ¥ ay 4 rie

Page 23

. “SNIPS SLEEPING WOMAN’S HAIR. __ Mrs. Waters Howe of Orlando, Fla., claims to ~ have been the victim of the meanest thief in the _ United States—one who, she said, clipped the hair from her head while she was asleep in a Pullman _ €n route from Jacksonville, Fla., to Port Thomas, = Mrs. Howe reported that besides her hair, _ she was robbed of several pieces of jewelry and ~ $300 in cash. GOLD TEETH FOR DOG, Mogul, the thoroughbred Airedale belonging to Harry Kiser, a motor car dealer of Newcastle, Pa., ds sporting two large molars made of gold by a local dentist. _ _ Mogul lost two teeth in a fight and Kiser or- - dered them replaced by a dentist, who claims the + ™olars are the biggest he ever made. The dog ‘Was given chloroform in order to have the teeth rted, but is now able to chew a bone as well _ aS ever. a BUILD A FIVE-FOOT SEARCHLIGHT. '_ A searchlight, sixty inches in diameter, has been shipped by the General Electric Company of enectady. This is one of the largest search- lights ever constructed, it was said, there being ~ only two or three as large now in usee - The light was purchased by a joint organization » of civic clubs of San Francisco to illuminate an _ amusement park on the mountain. The rays of searchlight will pick up a battleship twelve — Miles at sea and is 600 times more powerful than _ the headlight-of a locomotive. ROLLER SKATING ON MALL. _ The Central Park Mall was opened the other _ Night by Mayor Hylan for roller ae and it will be opén every Wednesday and Saturday night from 7 to 10 o'clock during the summer. The _Sixty-ninth Regiment Band played last night, and meyer Hylan told those present that the Park ‘Was for the people and he hoped they would en- it. i _ There was an exhibition of fancy roller skating 3y Kay and Lorene Sterling, and then about 100 rsons disported themselves on skates. cE SE ASPHALT IN THE GULF OF MEXICO. an Our asphalted streets are so expensive that the very thought of “free” asphalt even though it is the Gulf of Mexico is refreshing. Along the st of Texas have been found thousands of tons t in floes like ice and of varying ekness phenomenon of asphalt appear- in the beach surf revives stories told many 3 ago coast residents of similar occur- ced, lon: ore the discovery of the Tampico fields. The theory has been advanced-in the t that the asphalt originated from some sec- the bottom of the through an nce causing emissions of the substance underlying deposit. ss FAME AND FORTUNE WEEKLY CURRENT NEWS the district trying to earn EX-MESSENGER BOY IS EXCHANGE MEMBER. There came to light recently the story of the rise of William Brandriss from < telerraph mes- senger boy to a member of the Stock Exchange with a seat for which he paid $91,000. In twenty- three years Brandriss has held two jobs. The first he kept a year and the other he still has—or had yesterday when official announcement was made that he had bought the New York Stock Exchange seat of John M. Anderson, deceased. The new Stock Exchange member started at $4 a week. Then he came under the notice of J. J. Manning, the largest individual. trader on the floor of the New York Stock Exchange, who was impressed by the lad and offered a job to him as office boy in the Manning establishment. The youth accepted, and in a few years had worked himself up from his $5 office boy’s job to that of office manager, which he has held down ever since, Mr. Brandriss is 36 years old and since leaving school, twenty-three years ago, he has devoted a great portion of his leisure hours to educating himself and fitting himself for the work he hay undertaken. FRENCH BOY RUNS WILD IN WOODS. The Mayor of Bayac, a little town near Bor deaux, has offered a reward to any one who ca% catch @ small boy who has running wild in the woods in that district for the last month. The boy is 13 years old and when last seen was nearly without clothe’, his feet bare and his hair . hanging down to his shoulders. Whoever catches him, it is evident, will deserve the reward, for already he has defeated the efforts of the popula- tion of Bayac, who, with the police of other com- munes, have organized a pursuit. Casse is the urchin’s name. Two months ago he and his elder brother were held by the police and accused of having rified a cafe and'stolen 500 frances. Because there was no proof the boys were released. Some weeks later the younger boy, it is charged, was discovered by a woman in the act of helping himself to anything he fancied in h house. en she gave the alarm he escaped Seizing a revolver, took refuge in the woods. There he has lived a wild life, obtaining food from farmyards at night and occasionally taking blankets and other civilized comforts. Once when chased by the police he dived into a river, swam across it and taunted his pursuers as he disappeared among the trees on the other side. Ano time the police drew a cordon across the woods in which he was and cornered him on top of a thirty-foot cliff along a ravine, _ The boy saw that he must take a risk, calmly dropped the thirty feet and got away. ; After that the whole village and the police of the district turned out in automobiles, on horse- back or on bicycles and ae and beat the ~ wood until it was thought that’a rabbit could not have escaped. “These efforts were all in vain. Casse is in danger of capture now, with all ose et ee et * <: We A ek, 2 eh apt Be ah * ~ ys Mi

Page 24

A Lawyer At Nineteen _ ——OR— . FIGHTING AGAINST A FRAUD By GASTON GARNE (A Serial Story) CHAPTER XI.—(Continued.) It was locked and there was no key in the lock, but the fact that the lock was on his side gave Lew a thrill of hope. He put his hand in his trousers pocket and drew forth a moderate sized knife. It was one of those combination knives which geniuses put together to meet many wants, and in addition to the three blades it contained it was furnished with a small corkscrew, an ink eraser, 6 pair of scissors, a flattened head at one end which could be used like a tack hammer, and a short, but strong, screwdriver. Lew opened the latter attachment, and then carefully felt of the screws in the lock. There were six of them, one at each corner and one at the center of the top and bottom of the lock. Very patiently, and pressing with all his strength against the little tool in order to prevent it from slipping from the screw and damaging the end of the blade, Lew set to work, It was very patient labor, and for® a time he ; thought the screws, long imbedded, were going x2 to defy the efforts of his little tool, but slowly the first one yielded to it, and one by one they came away. e young lawyer caught them all in his as they came out, so that there should be no sound for listening ears, and then he pried off ~ the lock with the screwdriver without trouble. as _ Then he put his finger in the hole in the door ty and pulled gently. ____The door opened at once, but Lew found himself still in darkness, not the faintest ray of light - coming to him. Carefully he advanced, his hands Beco Be out before him, and when he had taken _ three steps he touched a solid wall, _. A few minutes’ examination convinced him that . he was in a closet, and he felt that his labor had _ been in vain, until one of his hands came into con- tact with a wooden board at one side of the closet. _He felt this over carefully, and at once the truth flashed into his mind. __-It was a sliding board connecting with another Toom, and was no doubt used to pass in food and _ dishes from one room to the other. Lew passed ; hands over it again, found the slot in which worked and the free end, and then very gently it back. ; ; Still he was in the dark, not a ray of light com- So yemee his th ing e@ 0) i g to gauge i t, Ga caee iusion FAME AND FORTUNE WEEKLY to try it, although he did not know where it would lead him to or whether it would better his situation. Slowly he forced himself through the opening. CHAPTER XII. The Escape from the House and the Fight in . Front of It—Where Is Madge? It was a tight squeeze, and was only effected — by letting all the air out of his lungs that he could exhale, and then the young lawyer felt — crushed and bruised when he finally forced his way through the opening that led from the closet, Of course hé had gone through head first, and when he touched the floor with his hands he at once straightened up and looked around him. In one direction, which he believed to be to- wards the front of the house, a very faint glow of light was to be seen, and Lew guessed that he was looking at the front windows and that the — light came from the lamps in the street. It was f still very gloomy around him, however, and he put out his hands before him as a protective measure as he softly started across the room. He had not taken three steps before he heard the noise of carriage wheels on the stone pave- ment of the stregt, and could tell by the sound ~ that some sort of vehicle had driven up to the — door and stopped there. 3 The next moment there came a ring at the bell, followed by the hum of several voices in the hall- way outside the room in which he stood. Lew — still and listened intently. Then he heard this: ‘ “Here’s the hack, Morgan.” ¥ : “Who got it?” » “I did.” ; “Do you know the driver?” “Of course I do. You don’t think I'd take any chances in a business like this, do you?” “Well, I only wanted to be sure that he was all right.” : “Say, this chap would rather do shady business than to earn an honest living. He’s done his two bits in jail, and his favorite dodge is to pick up drunks, take them to the loneliest spst he ean find, rob them, and throw them out in the road.” “T guess he’ll do.” “Oh, you can bet on him. “Yes.” : “Then let us start.” , Then came a hurrying, bustling sound in the hallway which only brought confused sounds to Lew’s ears. He heard the front door close, and then heard the noise made by the carriage driv- ing away from the door. Softly he erept the room towards the faint light, and reached the front windows. He found the window which he had approache was secured by a common catch and slid this baek, The window was raised and ordinary shutters alone stood between the young lawyer and free dom, for he was on the parlor floor.of the house pans to drop to the grounc would be a simple m Yr. $7: : sey , 4 Cd ea ire (To be continued) _ All ready?”

Page 25

PROHIBITION NOTES. During the first year of National Prohibition in this country, Malaga, Spain, shipped to the United States five times the total amount of wine sent under permits for non-beverage purposes. Exports of raisins from Malaga to the United States in 1920 was unprecedented, the consul re- Ports, the total being 10,906 metric tons, or ap- Proximately 1,000 tons more than the total to all ountries in 1919. FLATBUSH’S OLD VARMINT. Flatbush, New York, has another mystery on its hands. This time it is the name of a peculiar- looking animal, killed by bullets from the re- Volvers of Patrolman James Kenny and George Bosch. ‘Fhe animal has the appearance of a beaver with a hairless tail, but long brownish black hair on its back makes it resemble a porcu- Pine. Its feet are webbed like a duck’s. - he strange animal was first seen on Newark - venue by a woman Sunday afternoon. Sage J - Some one had dropped a muff, she stopped to pic it up, but made a hasty retreat when it showed _ its white tusks and snapped at her. - Patrolman Kelly obtained a soap box, with be better to take it to the station house dead than alive, with the aid of Policeman Bosch he pried Off a slat of the box. Then they stuck the muzzles their revolvers into the box and fired several its. When the box was lifted it was seen that the animal was dead. Although viewed by hundreds f persons the other day, no one was able to ify the animal. PUTTING DOLLARS IN AN INCUBATOR. One of the great rural pleasures that yearly Bive joy to so many yonesters on farms is that of gathering hen, duck, goose, turkey and guinea- eggs and, when a large enough number have accumulated, to incubate them. The eggs are put in straw nests and, being warmed by the bodies of the setting fowls over a period of from three to four weeks, they are thus hatched. A duck or a goose can cover-ten or twelve eggs; 8 hen, a e turkey and a puaseesie-see icking” and the more settled the “sitting,” the ses. the fowl of her children : give the saver the same pride and happiness. are vor eg — it ae mae > motorman em- the rou pid Transit - of New York who, ina recent satoeviaw swath = Y LESS » by Hamilton C 81 PROFESSOR SATAN, by Chas. F. ag 82 WHO KILLED MecNALLY? by Beulah Poynter. 83 THH CLUR OF THE WHORE. by Katherine Sta 8t THE “CZAR” AND THE RING, Edmund Pllet, $5 A CLUE OF FLAME, by Jack Bechdolt. The Famous Detective Story Out Today In No. 36 Is “THE FACE IN THE CROWD” By MARC EDMUND JONES. FRANK TOUSEY, Pub., 168 W. 23d 8t., N. XY, a “Moving Picture Stories” A Weekly Magazine Deroted to Photoplays and PRICE SEVEN CENTS PER COPY Each numbet contains Wour Stories of the Best I ro! = _ t ae HABBY BR WOLFF, Pub. 166 W. 284 St. XX, on the Screens—Elegant Ha\f-tone from Plays—Interesting Articles About Pro: e Doings ef Actors ang A Studios and Lessens in Scenario

Page 26

Victoria, The Refugee. By ALEX. ARMSTRONG. A glorious autumn sun was flooding its golden light over the towering mountains, fertile valleys, and extensive pjains of grand old Mexico. No country, in point of grandeur of scenery, can sur- pass the land of the Mexican, if we except tower- ing peaks of Switzerland. There is beauty there untouched by artists’ pencil or painters’ brush, and will so remain for a thousand years to come. No mountain roe was more lithe than Alina Cassino, the only child of a hardy mountaineer. Alina’s father, in one ‘of the ee: struggles which had rent his government, had been on the unfortunate side, and was compelled to flee to the mountains to save his life. Senorita Alina had all her life known only the mountain wilds. She knew but little of the in- ternal commotions that distracted her lovely country. Her heart was gentle, true and loving. Her mother, dying when she was but an in- fant, she had only her father, their small flock, and Bollitto, their great dog, on which to bestow her affections. Accustomed to the mountains from her childhood, it was but natural that Alina should be found wandering on the mountainside, among the groves of chaparral, her seg & compan- ion Bollitto, and a small carbine, which her father had given her and learned her how to use. Not unfrequently had they been forced to de- fend their little mountain home from bands of Indians and outlaws. These struggles of her childhood had been severe. Almost from her in- fancy she had been accustomed to scenes of blood. Her father regarded as a mountain outlaw, and not daring to claim the protection of his ee ment from the mountain robbers and Indians, was forced to be his own protector. Alina had chased the fawn all the forenoon, al- most as fleet as the animal, and had paused, lean- ing on a large boulder of stone; her elbows rested _. on the stone, supporting her cheek and her long black hair in wavy masses, falling about her _well-shaped shoulders of snowy whiteness. Her eyes, dark and sparkling, wandered down to the bluffs and rocks, thousands of feet below; her dress was of the peculiar homespun goods of the mountaineer, and the tanned deerskins fringed and’ ornamented something after the In- dian style. The skirt of her maroon-colored came only below her knees, and displayed elegantly shaped limbs encased in leggings of tanned deerskin ornamented with fringes and beads. On her feet instead of the Indian moc- '. easins were the small but stout shoes worn by _ the Mexican mountaineer. - There was-no mixed blood in the veins of 3 see. . She Dale a pure a Castillian as anybody of n ty -in old Spain. oF ewtaonky loud wild shopts arose from the chap- ‘arral and flags that covered the broken portions of the mountain side not many hundred feet be- y her. Following the shouts came rapid mus- and pistol shots. = : Gazing in the direction from which they came, —* + ss FAME AND FORTUNE WEEKLY she espied three men bounding up the side of — the mountain, leaping from rock to rock, from cliff to cliff, with prodigious strides, while after them came a dozen soldiers of the cruel Iturbide, the then emperor of Mexico. As one of the fugitives sprang upon a boulder of stones, scarcely gaining a foothold, one of the pursuers leveled his musket at him; a white puff of smoke ascended from the muzzle, and the flee- ing man, throwing his carbine in the air, fell back fully twenty feet below, where he had been struck. One of the remaining turned, leveled his car- bine, and fired. Alina saw the soldier fall, then the rapid popping of guns, and white puffs of smoke from the muskets of the other soldiers, indicating that the pursuers had given the bold Sagitieee a volley. he girl could even see the bullets striking off bits of stone, near the brave mountaineer, for such his dress and manner in- dicated him to be. Only a moment did he pause, then bounded away to the side of his companion, who seemed wounded, and was moving more slow every mo- ment. The mountaineer aided his wounded companion, and reloaded his carbine the best he could. Th had not gone fifty paces along the path whieh wound around the mountain far below where the now thoroughly aroused, but not frightened Alina Here thi aused and again fired. Two of the soldiers fell, but the others pressed on with yells of vengeance, discharging their guns as fast as = could load them. he wounded man was struck by another bul- let and fell dead at the taller fugitive’s feet. The man having nothing to impede his flight, hurried vn around the spur of the mountain, and was soon lost to sight. The soldiers of the cruel Iturbide crowded on until she saw that not a dozen, but at least a hundred were after the mountaineer. Alina’s whole heart went out in sympathy for the fleeing man. She had been taught from 7 : i A ts ee Od nd ow — vs) oe ee childhood to despise the soldiers of the haughty _ Iturbide, and naturally her heart would ward the mountaineer. out to- He was not only one of the lowly class to which she belonged, who were © compelled at times to burrow in the ground like rabbits to éscape the cruel soldiers, but now flee- a for his life. : eizing her carbine, and bidding Bollitto keep at her side, she started in the’ direction of the = mountain hacienda, taking care that the a should conceal her from the view of the enemy. “They will surely kill father if they find him, she said, as she bounded along the difficult path with the speed of a mountain roe. The path was A single false not only difficult but dangerous. nape, Bh send her to eternity. ridges of stone and branches of chaparral 6 ee ee eis Ss) casionally there came to her ears the crack of musketry, and she feared in her heart that the third fugitive had fallen by his prosecutors. _ “He was so grand, so noble, an’ man.” ; - The path was very winding and difficult even a’s experienced head and practica so brave,” a Soe “it was awful that he should ‘he dogs would not spare even a brave a a = Des

Page 27

she was winding around the crest of a spur mountain, and just oe on the pla- the tall, dark-mustached fugitive sprang E So hard pressed was he that he had dropped carbine and sword, though he ran with a pistol in each hand. Scarcely had he emerged from the rocks and arral on one side, than a Mexican office with _two soldiers leaped from a clump of dwarfed aks, and sprang upon him. The brave mountaineer was not to be overcome Without a struggle, and, leveling his pistol, shot ‘one of the soldiers dead. The other fired his Diece at the tall stranger, and Alina saw his left rm fall helpless at his side. In an instant, the remaining men threw themselves on the al- lost exhausted and wounded fugitive, and bore im to the earth. _* All the sympathies of the maiden were with the a 24 wounded mountaineer, and, leveling her car- bine, she shot the soldier through the head. The Office see from where the shot Came, the stranger sprang to his feet, and with One well-directed blow felled him to the earth. Snatching the sword from the hand of the officer he pinned him to the ground. __ Then the tall mountaineer, clasping _ his Wounded wrist with his right hand, looked about _ to see who his preserver was. His astonishment can be better imagined than + ibed, when he discovered only a beautiful ing in her hand a very lig’ t carbine. his sombero from his head, and bow- he said: * is it possible that to you 1 owe my : r looking around to life?” _, “I surely have rendered you some aid, senor, _ but your life is not safe oe The mountains are full of r enemies. hey are behind every boulder in every chaparral, and their guns are aimed at your heart.” _. “With so brave a defender I might almost 3 the entire army of the usurper Iturbide.” “You must be secreted for a few days until _ the soldiers leave the mountains.” a 9” = Follow. me, be silent, and I will guide you to ba op of safety.” : _ The beautiful girl then took the lead at a swift tain path, followed Tun down the tortuous moun __ by the wounded Spaniard. All along the moun- tain could be heard the | shouts 0 the blood = ers, ang girl was frequently Compelled to turn aside to allow them to pass. keen sense of hearing and sight were a world advantage to her. The route was a very diffi- one, attended with danger at every step. No ea _ a stondy mountaineer could have fol- bet : r ra speed. ___ They at length descended the mountain, crossed ‘® very narrow valley, and ascended about mid- vay up another. Here they found a plateau of : acres where was the hacienda of Senor ner,” said the girl, pausing at the door, are the mountains. Here is a seek.” saw a hardy man about FAME AND FORTUNE WEEKLY 25 a sword about his waist, and thrust a pair of pistols in his belt. He took a rifle from the rack, and said: “Senor, I see you are not only nearly ex- hausted, but wounded. We will dress your wound when we have time, for the present we must find some place of security.” Instead of leaving the small hacienda, he opened a trap door that led down into the earth. The girl and wounded mountaineer followed. The trap door, which was a broad, thin slab of stone, closed down on them, and the two proceeded along a long corridor, which was lighted up by a torch carried by Cassino. They finally came to an apartment in the cave that was fitted up as an elegant room. This was the underground hiding place for the exile and his daughter. Here they remained for three days, no one daring to leave the eavern except Alina. She finally reported the coast, clear, and the stranger came forth and bid the ‘kind moun- taineer adieu. His arm was not healed, but do- ing very well, and he said he must go. Taking the hand of the beautiful Alina, and gazing in those soft, dark eyes, he said: “My dear girl, you have saved my life; was it worth anything it should be given to you. Some day it may. I have now one request to make.” “What is it, senor?” asked Alina, timidly. “That is, that you give me the most sacred piece of jewelry you possess.” The most sacred piece of jewelry Alina pos- sessed was a golden medal! that had been the property of her mother. Her name had been en- graved on it. After a few moments’ hesitation she brought the medal from the chest where it bat kept, and gave it to the tall stranger, who said: “When I send for you, and the messenger brings this medal, accompany him.” ° ~~ * * * * * Two years had passed. brighter days had come to our beloved Mexico. Iturbide, the tyrant, had been hurled from his self-constituted throne, and the three great generals and patriots, Vic- toria, Bravo and Negrete, had taken possession of the government. Victoria, who had been for years an exile and a refugee, was elected Presi- dent 6f the United States of Mexico. The nation was at peace, and our happy land was far more prosperous than it had ever been before or since. A messenger came to the mountain hacienda of Cassino for Senorita Cassino, bringing the medal. The President, Victoria, desired to see her at the capital. She, accompanied by her father, went. Entering the palatial residence of the president, she was told his excellency would see her in a few moments. The door of the apartment opened, and the tall, handsome stranger, whose life she had saved, entered. With a cry she sprang into his arms, and was almost smothered with Kisses. After the excitement had subsided, Alina asked for President Victoria, who Rad sent for her. “Be him,” said the stranger; “I, the man who s r you, my mountain dar ling, to bi President Victoria.” =

Page 28

26 Fame and Fortune Weekly NEW YORK, JUNE 3, 1921 TERMS TO SUBSCRIBERS Bingle Copies............... Postage Free.... -07 Cents One Copy Three Months... 4 Oe 90 C One Copy Six Months...... ¢ Sets > SLI One Copy One Year....... e O teaae ae HOW TO SEND MONEY—At our risk send P. O. Money Order, Check or Registered Letter; remittances in any other way are at your risk. We accept Postage Btamps the same as cash. When sending silver wrap the Coia in a separate piece of paper to avoid cutting the py nl ae we your name and address plainly. Ad- etters dtess HARRY E. WOLFF, Publisher 166 West 28d St., New York ITEMS OF INTEREST THE ZOO AND gs se ag TOP THE Se The New York Zoological Park, referred to by $e the vulgar as the “Bronx Zoo” very much to the director’s ire, had 2,150,177 visitors during 1920 and the more conveniently situated Aquarium at the Battery had 1,994,548 visitors. This is the the world, for the New York Zoological Society ee operates both enterprises. x RAISING THE “YAK” IN ALASKA. ; _ The “yak,” or woolly ox of Thibet, is soon to be : transplanted into Alaska and the Canadian north- west by Dawson men. For centuries the yak has been domesticated by man and its haunts are the snowy highlands of Thibet, 20,000 feet above the sea, Its native food is coarse wiry grass, but it will eat anything that cattle will. In size it com- pares favorably with range cattle—1,000 to 1,200 pounds. The meat is as delicious as beef, and the -wool and hide are valuable. NEW PUPIL IN EYE. Howard Crum of Altoona, Pa., special duty en- gineer on the Pittsburgh division of the Pennsyl- vania Railroad, submitted to an operation in Phil- -_ adelphia which was designed to create a new pupil in his left eye. : Five years ago while leaning out of a locomo- tive cab window, Crum was struck in the e - with a red-hot cinder, leaving a scar which vir- tually obscured the sight of the eye. The new pupil was opened just above the scar. SUMMER FURS EXTERMINATING ANIMAL _ Prof. Osborn has made a plea for women to cease wearing so-called “summer furs.” He said __. wild animals are being destroyed so rapidly that thirty years there will be practically none, left | the next generation will have to park or look at paintings ore hs knowlegge of wild animals. Pacasteolioaie Reegeatal al ieee ker amply justified, the senseless ‘Should be abandoned. largest igre following of any organization in © FAME AND FORTUNE WEEKLY OLD WOMAN KILLS SNAKE, Mrs. M. F. Murray of Mill Run, Pa., has not al- lowed her seventy-eight years to make her afraid to fight a snake, even though a rattler. She proved it the other day by killing a rattlesnake four feet long and carrying ten rattles. Although it is not uncommon to encounter rattlesnakes and copperheads in the Mill Run neighborhood, even Mrs. Murray has no recollection of finding a poisonous reptile so early in the spring. Going out in her yard, Mrs. Murray heard an ominous rattle and beheld a big rattler sunning itself a few feet away. Arming herself with a hoe, she bravely started an exciting fight with the snake. At the first blow of the hoe, the rat- tler sprang at her. Mrs. Murray stepped back and got in another blow before the snake could coil for another strike. That performance was” repeated till the intrepid septuagenarian landed a death blow. LAUGHS Casey—There’s throuble over at Clan Costiggan—Phwat is ut? Casey—A family foight. Costigan—Shure, that’s no throuble; that’s enjoyment. “Did you see the Dardanelles while you were in Europe?” “No,” answered Mrs. Cumrox. “You see, we were so busy sightseeing that wedidn’t have time to call on any of our friends.” Ca ae “Are those men the future husbands of our daughters?” said a matron at the afternoon swell wedding reception. “No,” said a knowing mother, “they are downtown making a living.” “Phwat’s thot?” said the newly hired maid, pointing to the folding bed in her room. “A fold- ing ,” was the reply. “If thot’s th’ case Oi can’t shtay here. Oi niver cud schlape shtandin’ up. New Girl (timidly)—I s’pose you are a fine cook, mum? Young mistress—Bless me, no; I don’t know anything about it. New Girl (re- lieved)—-Then we'll get on famously, mum. I don’t, either. Deledia—Phwat are yez doin’, takin’ the lock off the gery dure, Pat? Are yez chrazy? Pat—No, darlint; th’ dochtor tould me to-day that I must quit boltin’ me food—and I’m going to obey insthructions!” Mrs. T.—What are you making those grimaces in the glass for, my dear? Mr. T.—I’'m trying practice a look of astonishment. Some of friends are going to make me a present to-nig at and I am supposed to know nothing about it, (= “Women always look for a chance to spend _ money,” he observed irritably: “Whenever they 0 a new er thi tisements.” “Well, Charle s. Torkins, “ dyin

Page 29

a INTERESTING FAME AND FORTUNE WEEKLY 27 NEWS ARTICLES PILGRIM PAGEANT BARRED. $ A statement that a pageant, “Landing of the _ Pilgrims,” which had been arranged for presenta- tion in Milwaukee by the sane Fourth of July _ €ommission was “exclusively a glorification of the _ Protestant pilgrim,” was made in St. Paul, Minn., _ by Archbishop Messmer, of Milwaukee, in expla- _ nation of his order forbidding Catholic school chil- ‘dren to take part. ' he archbishop’s objections, when communi- _ ated to the Milwaukee committee arranging the Independence Day celebration, caused the Pilgrim - pageant to be deleted from the program. “= or 300-FOOT WATERSPOUT SEEN. - _ Captain Frederick G. Avery, master of the ‘Ward Line steamship Esperanza, reported on his arrival the other day from Vera Cruz and Ha- --vana that he had observed an unusually large _ waterspout while steaming through the Caribbean on the run from Mexico. _ The spout was observed about a quarter of a _ mile astern and was rotating rapidly in the course of the vessel. The skipper observed it from the bridge and kept out of its path by shifting his _ course to the northwest. _ To the vision of the Esperanza’s passengers the _ waterspout was anywhere from two to five times as high as the Woolworth Building, but Captain _ Avery estimated its height at about 300 feet. He - said its smallest diameter, at a hundred feet from the surface of the sea, was about 100 feet. _ ARCTIC BOAT, WITH EGGLIKE HULL, IS SSS LAUNCHED. ~The schooner Bowdoin, built to carry Donald B. “MacMillan, the explorer, on his next Arctic voy- ~ age in July, was launched at East Boothbay, Me., April 9. design and construction the Bowdoin embod- : all elements of special provision for the work ah of her suggested by the long experience of eMillan, who was the chief lieutenant of Peary : is suecessful expedition to the North Pole. Her hull is egg-shaped with nothing to which ice n cling. Ueler sufficient pressure from the ice es, the Bowdoin, instead of being crushed, ould lift out of water and be carried along with p k. - So confident is MacMillan of the schooner’s bi! ‘to cope with the frozen channels of the orth that he plans to pass through the dan- us Fury and Hecla strait on the west side of n Land, where former expeditions have been coast in the world. knockabout - auxiliary virtually unlimited by the use of whale oil to sup- plement the regular fuel supply. The staunchness of the huil is assured by a heavy frame planked with three-inch white oak to which has been added at the waterline a five-foot belt of greenheart or ironwood. This armer is said to withstand the grinding action of ice bet- ter than steel or any other material, as the ice merely polishes its hard surface. When winter sets in, a three-foot covering of snow and ice will be placed over the entire ship with snow house after the Eskimo style to cover the hatchways. The expedition is planned to cover two years, but may be prolonged. < ISLAND OF CRIMES. The Andamans are literally the home of as- sassins. The inhabitants are the most vicious members of an older civilization and the uncivi- lized head-hunters, among whom murder is a sport and a pastime. In the settlement are about 1,700 prisoners, including 800 women. On arriv- ing at Port Blair, the prisoners first spend six months in solitary confinement in the cellular jail on Viper Island. They are then transferred to one of the associated jails and the comparative blessing of hard labor in company with others, though still occupying separate cells at night. After a year and a half of this, they become slaves, working in and about the settlement dur- ing the day and sleeping in barracks at night, always closely guarded. At the expiration of fi re years, a convict becomes eligible to join the colony of “self-supporters” and live in the village, where he earns his living in his chosen way, lives in his own house, and can send for his wife and children or marry a convict woman. In a limited sense he becomes a paterfamilias, but is always carefully watched, and cannot leave the settlement without permission. Through all the stages of penal servitude caste is preserved, the high-caste Hindu not even touching a vessel that has been used by a low-caste brother, and the Mohammedans’ ra- tions are served and eaten apart from the others. Despite the rigid discipline and the vigilance of the authorities, the communal life is far from harmonious, and the more vicious often rebel. The murderers kill one another, and are in turn mur- dered by the treacherous Andamanese, who regard the hapless convicts*and their guards as_ their natural prey. Occasional attempts at escape are made by the prisoners, but the efforts inevitably prove disastrous, the fugitive, finding his condi- tional freedom worse than servitude, either dies © at the hands of the Jarawa warriors, falls a vic- tim of fever or other disease, or starves. There is also a system in vogue by which the more friendly tribes of savages co-operate with the authorities in capturing escaped convicts and re- ceive rewards for the return of the unhappy de- serters, more often, however, the head-hunters kill the fugitive and return only the head, receiv- ing the reward just the same, the killi — ou the chase and the ing the easiest and quickest

Page 30

28 | FAME AND FORTUNE WEEKLY ITEMS OF GENERAL INTEREST EX-SOLDIER STRIKES GOLD IN AN OLD IN- DIAN CAVE. Another Klondyke rush in Canada may be an event of the near future, judging from the ex- citement aroused by the gold discovery at Kazu- bazua, Quebec, in the Laurentian Mountains, about 40 miles north of Ottawa. The man who discovered the gold fields is Ser- geant Major James Robert Bowen of the 224th Battalion, Montreal. Bowen is paying a visit to his native city, and is decked up like a millionaire. Bowen said Indians told him that in 1820 there was discovered a secret cave—or, rather, a’ deep gully—surrounded by rocks. The sun never pene- trates to the bottom ofthe valley, and it was there the Indians used to. worship. arrived, and the Indians removed their idols. Bowen visited the gully, met the owner and blasted a tree. The exploison threw up virgin gold. Bowen immediately made a partnership agreement with the old man. - Generous in his good luck, Bowen, after stak- ing his own claims, let several of his overseas eomrades in on the ground floor, and accorded the same privilege to his former officers, including General St. Pierre Hughes. Genuine Imported $5.00 Toye PANAMA HAT Just mail post-card Toyo Panama Rat. le; flexible non-breakable bri t Su ‘Tex; fine tough fi ee 313, 1 cr) ir oe Baad. non-sollable Send no mon Get High Cash Prices by mailing us dia- ‘monds, watches, new or broken jewelry, : = um, old Sneed and aig ; ‘ar eer War Stamps, unu age, etc. Cas fe Bre , ed in 10 days if White men. A HUGE EMERALD. An uncut emerald weighing 630 carats has re- cently been brought to this country for dividing and cutting, as of course it would not be mar- ketable in its present form. There are larger emeralds in existence; one in Bogota weighs 1,000 carats, and-one of the Russian crown jewels, be- fore their dispersion, weighed 6 3-4 pounds. TWELVE BOOKS FREE These beautiful Little Movie Mirror Books—each a separate volume on a single star—will be sent absolutely free to you for three six-months sub- scriptions to this magazine. The set includes books on Lillian Gish, Mae Mur- ray, Doraldina, Corinne Griffith, Viola Dana, Colleen Moore, Harriet Hammond, Wesley Barry, Wm. 8, Hart, Ben Turpin, Wallace Reid, Bert Lytell, all packed in a handsome, compact leatherette library case. Each book contains pictures, stories and _per- sonal letters from these stars, besides fine four- color covers, and pen-and-ink sketches on the back eover. Three 6-months subscriptions at $1.75 each or $5.25 in all, and you get The Little Movie Mirror Books—a $1.25 valuc—absolutely free. HARRY E. WOLFF, 166 W. 23d St., New York From’ Factory to You—FREE direct a8 . you money. A cet ee dA DOLLAR A WEEK —the whed is yours with the payment. now. t HAVERFORD CYCLE COMPANY Dept. 526 (Est. 25 years) Philadelphia, Pa. For thé Most Fascinating * Game of the Age. Appeals to young or old —the new game cyery one is crazy about—none so simplo or a3 fascinating. your pocket r many. Wonderfully attractive. own a GIMME—the fastest game yot. Send 50 cents for GIMME or $1.50 for GIMMOS outit incl 100 Order today! back if not satisfied. “411 Reapor Bik. Chicago, I BART MFG. CO.” 41U Reaper Bik” Chicago, t_ a 2 at home; ne bis Soiree

Page 31

TOBACCO HABIT WARNING WOULD BE Ge CRDSdE” Crushes Helpless Victims ) Dr. CR In keoping your bowels regular do cot yourigved enon, bat eomtaions hd NOW become addicted to weakening purgatives Jon whieh w atoms 4 Of mineral luxstives; just try KOROLAX; Yitality and invites disease that may e&fc, -gentle, wholesome. Best and gocs your life. STOP! Regain it dow't Juan Fernan ost. Qutatnable atsbusy Grusetsts. every- Fou epstocs bY. OG so aie Gunided. ert ¥ orotax rellef for many ments, Tt makes no difference how lon: 5 ding constipation, headaches. df = ren Sere dez : mgs? : S apeis,belching. gas, Dsercburn. sor Hier, gigs, Scare, chew gf ts snaie WirSoting m re reath, sTvousness, cdyspe; &, indiges- d eo | Valparnise, wide- | @ ton. obealt,"mental and’ pivaical’duliness ine quietly and foe szed. Flo Surcher Gepire he p ? D cured thousands of werst cases. » "ly regarded as} SORENESS HEALE (sume fitzats; SENT ON TRIAL veins, fore or open legs, ulcers, enlarged ton eczema healed while you work. rite free book and describe your own case. ! A. 0. Liepe, 1457 Green Bay Av., Milwaukee, Wis. . the spot aroun “: which the story 3 of Robinson Cru- soe was written, is to be turned in- to a health resort, : according to L present plans of : the Chilean Gov- ernment. The island is thirteen miles ; long and_four 4 miles wide. Vege- , tation is abund- : ant. Many kinds % of fruits thrive . On legal affidavit, John Hart Brittain, business man, cartified do this: ‘‘My head at the top and back was absolutely bald. The . §ealp was shiny. An expert said that he thought the hair roots were extinct, and there was n0 hope of my ever having a new hair growth. *"Yet now, av an age over 66, I have a luxuriant growth of goft, strong, lustrous hair! No trace of baldness. The pictures shown here are from my photographs.’"* Mr, Brittain certified furthers INDIAN’S SECRET, OF HAIR GROWTH “At a time when I had become discouraged at trying various hair lotions, tonics, specialiste’ ¢reatments, etc., I camo across, in my travels, a there and the sea in the vicinity swarms with a species of codfish * and quantities of > seals, according g to a recent visi- xf ~ tempted to colon- © but the has habitan tor. The actual or- iginal of Defoe’s story of Cruesoe was said to have been Alexander Selkirk, one of a crew .of buccan- eers, who quar- relled with his skipper and was marooned at his own request on Juan Fernandez, where he spent four lonely years. The grotto where Selkirk is suppos- ed to have lived with his man Fri- day still is to be seen. A British Warship visited the island in 1868 and members of the crew erected a tablet in mem- ory of Selkirk. Some years ago the Chilean overnment at- ize the island and @ave free pas- Sage to emigrants scheme Was a failure and e island now only 200 in- ts. Os NC Aci a ABMS 2 Soa hud Ce Verein ee amen act altos whet Peek om Po Den Pears PoP SNOB fake bani aia TORR Dit ieee IC pee ae Lee Ns 2 Aa EBON | ainescket Sear penne Py ge man’ he had an class a. - that he asseverated wo growmyhair. Although - bas Pid bat little faith, I gave ite trial. ‘To my 74" hair growls amazement a light fuzs scon appeared. It developed, day by day, into a —e — and ere long my hair was as prolific as in my outhful da 7 That I was astonished and happy is expressing iny state of mind mildly, Obviously, the hair roots had not been dead, but were dormant the scalp, awaiting the fertilizing potency of the mysterious pomade,; EZ negotiated for and came into possession of the principle for pre oa “ann age ee > ane some ahs aeatee. and later had the recipe put into practic orm by a chemi Photo when bald, ‘That my own hair growth was permanent has been amply proved,’* How YOU May. Grow YOUR Hair It has been proved in very many cases that hair roots did : wot die even when the hair fell out through dandruff, fever, : glopecia areata or certain other hair or scalp disorders. Miss A. D. Otto reports: ‘*About 8 years ago my hair began to fall KOTALKO Ra aS: almost ent used everything that was recommend- FOR FALLING HAIR BALDNESS, DANDRUFF ed but was always disappointed —_ at Isst I came across Ko- alko, . Mitchell. reports: ** For Sale at all matt see ietely bard = are cs BusyDrag Stores | { used Kotalko.'* Mrs. Mitilda 31 Maxwell reports: “‘The whols i" ‘i r front of my head was as bald : for about 15 years. Since using : Kotslko, hair is growing al. over the place that was bald,’ Kotelko is wonderful Many more splendid, convincing reports from sa users, for women’s hair, . pee Ss ? - contains GENUINH BEAR OTE and other potent in- No alcohol, no shanipoo; but a hair clixir of edients are safo and harmless, Positively KOTALKO ia @s the palm of my hand gredients. wonderful efficacy. All in apt. | even for a child’s scalp and hair. ——— = ORS doligh fully reliablo hair preparation that succeeds upon genring merit, Buy s box of KOTALEKO at the drug store, Or ask for Kotalko Gt the toilet goods or drug counter of any larco department store, Remember the mamo; Accept nothing elso as ‘‘just as good.’” $300.00 au Or if you send 10 cents (silver or stamps), you will receive a PROOF BOX of Kotalko with bat gotta 8 ostpsid. Determine NOW to eliminate DANDROUFY, treat BALDNESS, to STO: Fraiie FROM FALLING. Get a box of guaranteed HUTALKO, apply once or twice daily; watch in jour mirror, For PROOF BOX (10 crnts, none otherwise) write to KOTALKO_OFFICES; BA-375, Siation X, New York ere me or oni 2

Page 32

— given up hope of DEATH RATE AND AGES The death rate among males in this country is twice as great at 40 as it is at 20, according to The Nation’s Busi- ness. This means that 50 per cent, of the vital resis- tance is gone at that early age, an age when a man is supposed to be at the height of his powers, an age when his vitality should be at least equa! to that of a man of 20. Why isn’t it? In- fections, poisons, mental strain, phyrical strain, mental inactivity, phyuical inactiv- ity, too much food, too little food, badly bal- aneed diet — a long list of caus- es, most of them traceable to the widespread and fallacious notion that a man can have health with- out working for it! No man need accept the physi- cal limitations which apparently doom so many to hit the downhill trail almost be- fore they have come to the age that should en- dow them with the fullest physi- cal and mental power. Right liv- ing and right re- medial measures, checked up and kept right by means of period- ic examinations, ~ form a combina- tion that would - insure a full life to thousands who have long since LITTLE ADS Write to Riker @ King, Advertising Offices, 118 East 23th Street, New York City, or 8 South Wabash Avenue, Chicago, for particulars about advertising in this magazine. LE NEES SIDR, Sapa ERE SLE ne FE TEE PL eS EI Le AIDS TO EFFICIENCY WRITE THE WORDS FOR A SONG. We revise poems, write music and guaran’ secure lication. Sub- poems on ‘Studios, 165C, Fitzgerald Building, New York. 4s and how it brings in the money. Hootch, Dept. 321 W. Madison St., Chicago. exclusive territory. American Products Co., 4895 Ameri- can Bidg., Cincinnatl, Ohio. ART AND DEN PICTURES Feere S$ GIRL a Daring Poses. Peay tee 50. Lure Make Fish Bite Fi Dozen $1 25c. Five $1.00. ‘er Own Book Contaion: Jazzy Rea 25c. Daring Pictures, etc., Hami.ton’s Co., Barnes City, Iowa. pacer ad alee once LE nt ad GIRL PICTURES—Real ‘“‘Classy’; 16 (all different) $1.00; two samples, ig (nothing Sales Co., EXCHANGE Eoyeeenre agate ig a and rin igs oP Rolls Trada lst. Fuller, vichita, ii Catalogue 10c, ‘arm in ices and easy terms, All conveniences. help to settlers. et free. ut 63, National Bank Bldg., Chicago, Tl. re) gale ge to _sell_or exchange your property ‘OHN J. BLACK, 173rd St, Chippewa rails. Wis. ABSOLUTELY FREE—Information about our method of helping farmseekers settle on choice hardwood land in. Michigan. oe Big illustrated booklet tells everything. FREE for it now. Banke. Bullding, Swigart, M-1268, First National Chicago, It. HELP WANTED ; $110 to $200 monthly and expenses who reward ability, Get Standard Business wi 1 of Criminology, Fy WANTED, and MEN, too, to address 1- — and mati ggg matter at home for ‘Jarge PERSONAL MARRY IF LONESOME—Ladies’ membership free, Gen- tlemen’s membership two months_ 50c. One year $2.5). members names, addresses 25c, Swestheart’s Cor- responding Club, Barnes City, Iowa. TOO FAT? Reduce weight easily, pleasantly, no self starvation, no strenuous exercises, reliable, guaranteed. Obtain Korein tabules any busy pharmacy or write for eee Korein Co., NE-270, Station X, New ‘or! DANDRUFF. Clear the scalp, removing dandraif com- pletely, lastingly. Accelerate new hair growth Use Kotalko. Obtain at druggist’s or mail 10 cents for box. Kotalko Offices, BN-370, Station X, New DON’T ternagt OF. ABOUT as DIFFICULTIES oR anywhere. advi. and 3 , Syracuse, N MARRY. Successful “Home Maker.” |, Tellable, years* free. The Successful Club, Box 556, Oakland, Cal MARRY RICH, hundreds auxious, descriptive list free, — ay aes guaranteed. Select Club, Dept. A, Rapid City, So. Dak, SIXTH AND seventy BOOKS OF MOSES. Eevptian secrets. Black other rare books, Catalog free. Star Book Co., RIG31, °Canitest Nu J. oad psy Hundreds rich, hoe mon GET MARRIED—Best Matrimonial paper Mailed FREE. Am erican Distributor Blairsville, Penna. MARRY—FREE PHOTOS nesses ladies; descriptions when married. New Pian Co., and directory; pay Dept. 245, Kansas City, Mo. site wo ang oe ag sberlin with . and free wh a married. The Exchange, Dept 545. ee Kansas City. SINCERE LADIES and CENTLEWEN vho wish te Confidential and satisfaction. Box 73, Arcade marry. Station, Los Angeles, Calif. PAY when mear- guarantes suite. 217, a ager ny SIXTY DAYS. Send no money ‘for our new liberty bs Nothing ever like it in America, Pilot Desk B, Marshall, Mich. 3 SCIENTIFIC YOUR LIFE STORY in the stars. Send birth br: end dime for trial reading. Sherman. Rapid City, S. Dak. Pub. mail order zpaen. of whole Can Hook alae ae capital or = or sabentace required. ains : send cover postage, Ward Pub. Co., Tliton, N. H. = Derectives EARN BIQ MONEY. women, work. P. send AMBITIOUS WRITERS Ameri ann go APRS ay ee bmg” TR aie! ig + . Sat and ie tg Mansa “ory, Apartment ne. SONGWRITERS WRITE THE WORDS FOR A et eR 2 eee music, copyright and - basie. Subentt poems on any. subject. Company, 920 a Ave., Room 122° WRITE THE WORDS FOR A SONG. We review: write. music and to secure | experience, descriptions _

Page 33

SONGWRITERS—Continued SONGWAITERS!—Learn of the public’s demand for sengs suitable for dancing and the dpportunities a ceed conditions offer new writers, obtainable oaly in ngwriters’ Manual & Guide,”’ sent free. = pen ideas for songs at once for free criticism advice. We revise poems, compose music, secure ales and facilitate free publication or outright sale of songs. Knickerbocker Studios, 332 Gaiety Bldg., New York. ae vind d h ST-STU-T-T-TERING and stammering cured at home. Instructive booklet et Walter McDonnell, 15 Potomac Bank Bldg., Washington. D. Cc THEATRICAL GET ON Ag STAGE. I tell you how! Send 6 cts, postage for illustrated Stage Book and full par- tieulars. H. LaDelle, Box 557, Los Angeles, Cal. TOBACCO HABIT TOBACCO or Snuff Habit cured or no pay. $1_ if cured. Remedy sent on trial, Superba Co., PC, Baltimore, Md. TOBACCO KILLS MANLY VIGOR. Quit habit easily. Any form, chewing, smoking or snuff, cured or no charge. If cured, $1. =e craving, harmless, ae remedy on trial. Stop p Using a Truss thrown awa: and it’s all Stuert’s PLAPAO-PADS aredifferont, being modicine applicators made self-adhesive pur- to events slip- \ Pere nd to y ping. gementto ton fro the oidthe } parts securely in NO ok even BUCKLES OR SPRINGS alee cannot ot sli press ot Po pubic bone. themsetves in tho pare, of ates ‘kK. ett as velv: to reply ae pensive. Erocess ot Erevore is wnatural, © Awar ousends have trested Exposition, homes Provo it b; sending. TRIAL P Al Plepsao Co. 2185 Stuart Bidd, St.Louls, Mo. | M reduce {0 to 60 tbs., or more. Obtain neg (pronounced kKoreen) at any pay drug or write for free b ure to Korein Co., New oy ae slender efficiency. Look younger! YOUR Become thin and remain sol Monsy-back $100 guarantec. Get KOREIN tabules! 5 GOLYE th this puzzle, alphabet are num «,, little squares tothe left r Whatare the four words? — Surely you want this Daye already given awsy many sutos. SEND Pee ta peat dees cated te got tier vafable price away Mbicgcen 6 ide anger thefinest bicyc!e never baile, any OT rice eis our ties Bis aa $10 to $25 gfrantace of the 32.0 fey Zeck ertate sort smal co Nand girls easily ara sae ae fannie prices Moad pany igs Syeoern By Reh BLANK CARTRIDGE PISTOL PRIGES Sex 782, QUICK HAIR GROWTH! Box Free To You! Do you want, free, a trial box of K. kott, that bas proved suceessful in so 4 Ifso, you need only to answer this postca or FREE SS. Ia nay Cnet, @ all clee bad failed. Bo wae —— — yourself? Koskott is used by » ‘Women; itis perfectly harmless « Starts hair growth in a few days. Addsesss Koskott Laboratory, KA-375, Station F, New York, N.Y. OLD COINS WANTED $2 to $500 EACH paid for Hundreds of Coins dated before 1895. Keep ALL old Money. You may have Coins worth a Large Premium. Send 10c. for new Illustrated Coin Value Book, size 4x6. Get Posted at Once. CLARKE COIN CO., Box 35, Le Roy, N. Y. OWERS <OUIDE clafasyenttoHarat Mozage Her Bean to make him Propore M . don soCetah a Rist Bechslor “How to Win the Favor of Ladies. * Wedding Buqustts,£c.,, £0. All subjects helpful to levers. 10C POSTPAID WARD PUB. CO., Tilton, N. H: win Ford Auto yotes free. The letters of the mbered: A ta 1, B is2, andsoon. The agares resentfour words, (201s the letter ou work itout? Ifso,send anlar 6, new Ford auto. Send no money. You can own an euto. ti es Seeeae rer _ al EER TN a cad SNOW SHOES Snow shoes, which proved such importaat instruments in the recent rescue of the American naval balloonists from the snow- bound wilds of Canada, are little known except in most general terms outside the localities where they are common- ly used. Still, to make them is a fine art and to use them is an ac- complishment. Walking on snow- shoes is learning to walk all over again, says a bul- letin on the sub- ject by the Amer- ican Forestry As- sociation. The snowshoe, with its broad, latticed, rawhide bottom, is ser- viceable in walk- ing over soft snow. The wear- er does not ex- pect to develog much speed. That is where, when snowstorms such as bes set the navy’s men, the snowshoes play @ big part. North- erm hunters make their own snowshoes with hatchet and knife, and if leather thongs were not at hand, the lattice soles could be woven of basswood bark, which can be stripped in winter as well as in summer. Milk strippings from a_ healthy cow, drunk regu- larly as a bever- age, are said to be fattening and a remedy for consumption in its early stages,

Page 34

OUR TEN-CENT HAND BOOKS rT Useful, Instructive, and Amusing. They Contain Valuable Information on Almost Every Subject W TO BECOME A GYMNAST.—Containing Fagg oe for all kinds of eee sports and athletic exercises. kmbracing thirty-five illustrations. By Professor W. Macdonald. : No HOW TO ROW, SAIL AND BUILD A illustrated. xn el oh are —_ le book, together with instructions on swim- a Aas ge Foe companion sports to boating. No. 28. HOW TO TELL FORTUNES.—Every one is desirous of knowing what his future life will bring forth, whether happivess or misery, wealth or poverty. You ¢an tell by - glance at this little book. Buy one vinced. i ant 29. HOW TO BECOME AN INVENTOR.—Eyery boy should know how inventions originated. ‘This book explains them ali, giving examples in electricity, hy- draulies, magnetism, optics, pneumatics, mechanics, etc. No, 30. HOW TO COOK.—One of the most instuctive pooks on cooking ever published. It contains recipes for cooking meats, Ish, game and oysters; also pies, pud- dings, cakes and all kinds of pastry, and a-grand col- ‘ cipes, Ay —— ast ow TO BEHAVE.—Containing the rules and etiquette ot good society and the easiest and most z approved methods cf appearing 1o good advantage at parties, balls, the theatre, ehurch, and in the drawing- ON a5. HOW TO PLAY GAMES.—A complete and useful little book, containing the rules and regulations of billiards, bagatelle, backgammon, croquet, dominoes, pte, L < . 36. HOW TO SOLVE CONUNDRUMS.—Contain- ie tie leading conundrums of the day, amusing riddles, curious catches and witty sayings. No. 40. HOW TO MAKE AND SET THKAPS.—Includ- ing hints on how to catch moles, weasels, otter, rats, . 26. BOAT.—Fully squirrels and birds. Also how to cure skins. Copiously ustrated, : E No. 41. THE BOYS OF NEW YORK END MEN’S OK ,.—Containing a great variety of the latest i caeen used by the most ons end men. No amateur ae ininstrels is complete without this wonderful little book. “No. 42. THE BOYS OF NEW YORK STUMP BPEAKER.—Containing a varied assortment of stump speeches, Negro, Dutch and Irish. Aliso end men's Jokes. Just the thing for home amusement and amateur shows. No. 45. THE BOYS OF NEW YORK MINSTREL GUIDE _AND JOKE BOOK.—Something new and very instructive. Every boy should obtain this book, as it ecoutains full instructions for organizing an amateur minstrel troupe. No. 46. HOW TO MAKE AND USE ELECTRICITY. —aA description of the wonderful uses: of electricity and electro maguetism; together with full instructions for making Electric Toys, Batteries, ete. My George Trebel. A. M., M. D. Containing over fifty illustrations. Ne. 48. HOW TO BUILD AND SAIL CANOES.—A handy book for boys, containing full directions for con- structing canoes and the most popular manner of sail- ing them. fully illustrated. : No. 49. HO TO DEBATE.—Giving rules for con- she ducting debates, outlines of debates, questions for dis- ae eussion and the best sources for procuring information ; on the questions given. No. 50. HOW TO STUFF BIRDS AND ANIMALS.— A valuable book, giving instructions in collecting, pre- paring, mounting and preserving birds, animals and sects. Z 7 No. 514. HOW TO DO TRICKS WITH CARDS.— . Containing explanations of the general principles of sleight-of-hand applicable to card tricks; of card tricks with ordinary cards, and not requiring sleight-of-hand; of tricks involving sleight-of-hand, or the use of spe- ¢ially prepared cards. llustrated.. No. 53. HOW TO WRITE LETTERS.—A wonderful little book, telling you how to write to your sweetheart, our father, mother, sister, brother, employer; and, in et, everybody and anybody you wish to write to. No. 64. HOW TO KEEP AND MANAGE PETsS.— : se complete information as to the manner and od of raising, bint ge taming, ‘breeding and man- 30 aging all kinds of pets; a giving full instructions for a cages, etc. Wully explained by twenty-eight - illustrations, address on receipt of price, 10 cents eopy, in m or paaanania: ~~ ce, per copy oney FRANK TOUSEY, Publisher, 168 West 23d Street New York : For sale by all newsdealers or will be sent to any © Fame and Fortune Weekly — LATEST ISSUES — 717 ard Lacks. to Lose; or, A Boy With a Winning reak. 778 The Stolen Chart; or, The Treasure of the Cataract. 779 A Game Young Speculator; or, Taking a Chance on the Ma ‘ket. 780 Charlie Crawford's Claim; or, From High School to Mining Camp, 781 An Otlice Boy’s Luck; or, The Lad Who Lost the ips. 782 sos for His Rights; or, Starting a Business on His Nerve, 783 After the Last Dollar; or, The Wall St. Boy Who Saved His Boss. 784 Fresh From the West; or, The Lad Who Made Good in New York. 785 Boss of Wall St.; or, Taking Chances on the Curb. 786 Dick, the Runaway; or, The Treasure of the Isle of Fog. 787 In thie Game to Win; or, Beating the Wall St. “Bulls.” 788 A Born Salesman; or, A Young Money-Maker on the Road. 789 Dick Dalton, the Young Banker; or, Cornering the Wal St. Sharks. 790 A $50,000 Deal; or, Hal Hardy, the Wall St. Wizard, 791 Billy the Blacksmith; or, From Anvil to Fortune. 792 Sharp and Smart, the Young Brokers: and, How They Made a Milion. 7938 Driven From School; or, The Pirate’s Buried Gold. 794 A Bright Boy ee or, Shearing the Wall Street “Lambs.” 795 Telegraph Tom; or, The Message That Made Him ‘amous. 796 Dick and the Mad Broker; or, The Secret’ Band of Wall Street. 797 A Sharp Boy; or, Making His Mark in Business, 798 Tom Swift of Wall Street; or, The Boy Who Was pa i end reo: ; ndy e Alctioneer; or, Bidding in a Fortune. 800 Doubling Yheir Dollars; or, Schoolmates In Wall Street. 801 Disk Darling’s Money; or, The Rise of an O%ee y. 802 Beating the Market; or, A Boy Broker’s BI Dea 803 Lost in the Jungle; or, The Secret of the Hinaes emple, 804 Bound to Get the Cash; or, Out f Wace were r, Out for a Million in 805 A Lucky Errand Boy; or, Working His Way To ortune. 806 Little Johnnie Brown; or, How a Smart Boy Made oney. 807 Finding a Fortune; or, The e 808 ravell ewer. Market; or, ate ees vai = 809 mee. ‘Copper ri oonetcae How They Made a Waits 810 The Old Trader’ 9 EE vaccines oz ey sc 812 PP a) Menno or, Playing the RE Street 813 A ey ae or, The Boy Who ara Ci . 814 After a Golden Stake: or, Breaking a “Bueket-Shop® 12 815 B mn gr Be ound to a Manager; , Mak Baseball. xe anee eee 816 A Boy Broker's Dollars; or, The Mystery of the ‘Money Vault. 817 Tom, the Apprentice; or, Made His Mark. For saie by ali newsdealers, or will be sent to an ad- dress on receipt of price, 7c. per copy, t . pe tagh sumone te pe DY, in money or Bees ~ HARRY E. WOLFF, Pub.. 166 West 23d S8t., New York = HOW TO SCENARIOS HOWTO. Price 35 Cents Per Copy ‘ This book contains all the most recent changes in the method of construction and submission of scenarios. Sixty m8, covering every phase of acenario writ- ing. For sale by all Newsdeslera and Bookstores, If you cannot procure a copy, send us the Price, 35 cents, in money or postage stamps, and we val mail you one, postage ‘ee. Address eens L. SENABRENS, 219 Seventh Sve, New Yorn, N. ¥.} The Young Mechanic Who