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ing success, the lack of them is a serious stum- these days of keen competition for every worth bling block in a man's path. Three of these habits while position in the business world, no helpful seem to me to be of great importance, and the hints should be regarded lightly. The man who rules on which they are founded are very easy to does not care need not pay attention to them, adopt and carry out.

but the man who does care ought to follow

them. EEP in good physical condition. Much of

one's success depends upon his energy and his energy is dependent to a great extent on his How F. A. Vanderlip Perphysical condition. If he is blessed with good

sonifies Initiative physique, he has a great advantage, but he is not necessarily at a great disadvantage if he is

By FRANK WINSLOW not strong physically. Theodore Roosevelt, as a boy, was a weakling, but he became a man of OST people think of Frank Arthur Vanpowerful physique. So, if a young man has a

derlip as a power in finance. This asstrong physique, he must keep it strong. If he sumption is natural-since that is exactly what is not fortunate enough to have a strong body he he is. But he is more. He personifies initiamust begin to build it up.

tive. Few people realize that Vanderlip started

at a salary which a modern office boy would E must have care for his personal appear- scorn, that he has risen to a position which is

ance. This may seem superficial, but it allotted to very few men. His early life is inmust be remembered that when a boy seeks em- teresting and his progress is inspiring. ployment, practically all that the prospective Fifty-six years ago, he first saw the light in employer has to judge by is his personal appear- Aurora, Illinois. His father was a blacksmith,

You may have the finest of mental and who, by dint of striving, made himself the foremoral qualities, but these qualities may be nul- man of a wagon factory. In 1878, he died, lified, in the mind of another who does not know leaving young Frank Vanderlip, then aged you, simply because you present a slouchy ap- fourteen, as the eldest of the supporting pearance. If you had started in business and

family. your employer realized your real worth, that is The present financial wizard worked on the no reason why you should neglect your personal farm and attended a district school between his appearance. The first impression you make is a labors where he acquired the foundation of his lasting one.

future financial ability.

His first job paid him $12 for a whole summer's E thrifty. It is not a mere act of putting work. Look over his attainments. Frank A. away money for future use which makes

Vanderlip has been successively assistant secrethe habit of thrift so valuable; it is the other tary of the Treasury, vice-president of the characteristics which this habit involves. A National City Bank, of New York, and, later, man who thinks far enough ahead to set aside a its president-was one of those far-sighted men small part of his weekly pay as insurance against who devised the Federal Reserve System and the uncertainty of the future, is at the same time was a prime mover in the successful conduct of cultivating in his own mind powers of self-con- the Liberty Loans. trol, foresight, orderly thinking and business Mr. Vanderlip is a typical example of what acumen. These qualities furnish a direct road may be done in America to-day—if the will to do to business success.

is behind the ambition to succeed and if the These three rules alone will not lead to success brain is capable of inhaling and absorbing the in business, but they are strong helps, and, in lessons which are learned from hard work.

ance.

DO

O not dwell on your disappointments, your unfortunate surround

ings or harbor black pictures in your mind. Do not dwell upon what you call your peculiarities. Hold to the belief that the Creator made you in His own image, a perfectly normal, healthy, happy and sensible human being, and that any other condition is the result of your abnormal thinking.

Third Installment of the Gripping Serial of Achievement, Ad

venture and Detective Skill

How Jim Downes Paid Up

By GEORGE WILLIAM BAKER

Illustrated by Charles F. Jaeger

MR

SYNOPSIS OF PRECEDING CHAPTERS RS. ETHAN DOWN ES who has spent the years friend, Ronald MacGregor, a corporal in the Northwest

of her long married life on her New England farm Mounted Police, to join him in Canada and journey to where her two children, Jim and Mary, now grown, were the new gold country north of the Fraser Rider district. born, and where her husband died two years before, is told Jim leaves his sister, Jary, to care for their mother, and by Miles Humphreys that he holds a ten-thousand-dollar departs on his quest, intending to mine sufficient gold to mortgage on the old homestead. He agrees to give her satisfy Humphreys's demands. Meanwhile, Humphreys, eighteen months in which to meet it. Realizing the im- who is unscrupulous, secures the assistance of Caleb possibility of securing such an amount from the farm Waters to gain the affection of Mary Downes and to peritself, Jim Downes decides to accept an offer from his suade her to sell the farm.

W

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CHAPTER XVII

Waters laughed. “Well, you couldn't have

them in a safer hiding-place. The chances are HEN Jim Downes departed from Tony he'll never suspect they're there. Then, in good Lajoie's, late that night, and aroused time, we can run out there, get the bonds back

the slumbering Tonetah, snoring in the and travel on our way. We may also be able to depths of the blankets that filled the dog sled, turn a few honest dollars by helping him work Corporal MacGregor had disappeared. But the claim." Tonetah had not forgotten the officer's remark “I hadn't thought of that,” Thurston mused, about hoping that he would not have to arrest "but it might not be a bad idea at that. If we Jimmy. Tonetah again made sure his knife wa were both seen working for Downes, it would ready for use, and smiled to himself as he thought give us a reason for being in these parts. You of the difficulty the big policeman would encoun- would be able to keep an eye on him as you came ter in carrying out that task.

up to do, and the police would not think of ques“Are you going back with me?" Jimmy asked tioning my being here. If they do-well-our the Indian, but the guide shook his head. “To- friend, Downes, will be in possession of the bonds netah stay here for night; come out early in and I sha'n't know anything about them.” morning," he replied, and as Jimmy cracked the So it happened that, when spring came, Waters whip over the restive dogs, and the sled shot out and Thurston were working side by side with into the frosty air of the bitter night, Tonetah Downes and Tonetah-working the newly found made his way into the heavy air of the saloon. vein. Overhead there were flocks of wild geese,

Apparently preoccupied, he made his way to flying in their V-shaped formation, and robins, a vacant chair close to the elbow of Caleb Waters swallows, and black-headed chickadees were fast and threw himself into it, calling to the waiter ty returning after their winter stay in warmer bring him a hot drink. Waters and Thurston climes. The last remaining patches of snow paid no attention to the Indian, and both men, were disappearing, and the ice in the river was now considerably the worse for liquor, were talk- slowly melting under the warming sun of softer ing together in tones none too low.

weather. How did you manage it?” Waters was asking Jim Downes worked with a song in his heart, his companion, and the apparently dozing Indian a happiness that echoed in his letters to the folks pricked up his ears.

back in West Rockland. For now there was no “There was a rip in the lining of his macki- need for the gentle deception he had practiced naw,” Thurston explained. “When he was not throughout the winter, rather than discourage looking, I slipped in the package of bonds and he his mother and sister. Old Simon Duroc, the went away with them and is now none the wiser." dean of the northwest prospectors, had come out Thurston did so with a bored air which plainly showed that he felt the officer was wasting time; but he gladly submitted because the absence of the bonds among his effects would

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substantiate his charge in a measure.

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“That'll do!” he cautioned. “You are making accusations you may have to prove in court. I don't know much about you two; but I know Jim Downes, and I'm going to

see that he gets a square deal.”

at Jimmy's request to inspect his find. And "I'm glad you feel that way, Caleb,” Jim said even the veteran miner gasped as he observed genuinely. "I like this chap, Thurston; but, the richness of Jimmy's vein.

somehow, I'll feel better if you remain. I “There's a fortune there, lad," he told him. wouldn't exactly care to leave him here alone.” “I never dreamed so rich a deposit would be “That's a nice way to feel about your prospecfound in this corner of the wilderness." And tive brother-in-law!" Caleb laughed, without his great calloused hand clasped Jimmy's in stopping to think. But, a moment later, he earnest congratulation.

could have bitten off his tongue for that remark. When he had gone, Waters and Thurston Instantly, Jim Downes was alert. “What do exchanged glances, and their expressions were you mean-my prospective brother-in-law?” he not lost on Tonetah. But the Indian held his demanded of Caleb. peace and silently wielded his pickax. Yet he "I–I thought you knew," Waters said lamely, laughed in his heart as he thought of the amaze- Alushing to the roots of his hair. “I supposed ment of the two if they had known of the little Thurston had told you, or that Mary had written coup he had carried out several weeks before. about him.”

To Tonetah bonds were a mystery, and the “Out with it!" Downes said firmly, catching green-and-yellow certificates he had found in the the man by the arm. “Tell me all that you lining of Jimmy's coat were meaningless to him. know-and be quick about it!” He could not read the lettering on them and he A little afraid of Jimmy, Waters told him the did not think the pictures particularly remark- story of Thurston and Mary—told how Thursable; yet he knew that, somehow, these papers

ton had made the mistake which now made him spelled danger to his employer. At first, he had a fugitive from justice-but he shrewdly said been tempted to destroy them; but the knowl- nothing about the presence of the bonds. edge that they were valuable deterred him. So Jim Downes sat on the edge of a bowlder and he had stuffed some old newspapers into the rent thought for a while in silence. in the coat lining and carefully sewed it up. Caleb watched him anxiously and, at length, Then, taking the bonds, he had secreted them in said, “You can't turn him over to the authoria crevice in the bark of an old beech tree. ties-for Mary's sake. “You wouldn't do that, • Jimmy had never suspected the presence of would you, Jim?” the bonds, and, after Tonetah's action, Thurs- "I don't know," Downes said. “If the man is ton, wishing to make sure they were still there, a thief, Mary wouldn't have him, and she'd be felt Jimmy's coat one day. He noticed that the better off without him, anyway. Still, as you tear in the lining had been mended and, also say, I can't bring myself to inform on him-but realized with satisfaction the presence inside of he can't stay here any longer.” a crackly substance. Smilingly he told Waters "Where can he go then?” asked Waters crafthow the tear had apparently been mended with- ily. “He hasn't any money." out any discovery being made.

“He'll have his wages for what he's done Jimmy began to think more and more of the here,” Jimmy said, “and I shall be liberal with calendar as the days went by. The time was him. I don't want to talk to him. You tell drawing near when he would feel safer if the him what I have said; and when I return from money to pay the mortgage were on deposit in the village, I'll have his money for him." the local bank in West Rockland. He began to Half an hour later, Downes started off in the plan his return-the journey that meant so much direction of Paquinaus, and hardly was he out to himself, his mother, and sister. For days he of sight when Waters, alone in the absence of thought it over, and, finally, went to Waters and Tonetah and Thurston who were off on a huntasked him of his planș. “Do you want to go ing trip, made a dash for the railway station by back with me, or will you stay here and work another route. Using the code name he and the claim?" he inquired.

Humphreys had devised, Waters sent this tele

gram to the landlord: “Charles planning to reCHAPTER XVIII

turn. Has plenty of funds. Wire instructions." T was the first inkling Waters had of Jimmy's He then hastened back to the camp, gratified

intended journey, and it took him unawares, that he had not encountered Jimmy in the vilHe had written Humphreys the week before, lage. But he might not have been so happy telling him of the success of the Downes claim, had he known that in addition to sending the and was even then awaiting instructions from message to Humphreys, the telegraph operator his employer. "I-I think I'll stay here,” also sent it to the headquarters of the NorthWaters said after a slight hesitation. “We three west Mounted Police, supplementing the mescan keep on working while you are away.” sage with a report of his own which, shortly

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