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ing success, the lack of them is a serious 'stumbling block in a man's path. Three of these habits seem to me to be of great importance, and the rules on which they are founded are very easy to adopt and carry out.

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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 physical condition. If he is blessed with good physique, he has a great advantage, but he is not necessarily at a great disadvantage if he is not strong physically. Theodore Roosevelt, as a boy, was a weakling, but he became a man of powerful physique. So, if a young man has a strong physique, he must keep it strong. If he is not fortunate enough to have a strong body he must begin to build it up.

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E must have care for his personal appearance. This may seem superficial, but it must be remembered that when a boy seeks employment, practically all that the prospective employer has to judge by is his personal appearance. You may have the finest of mental and moral qualities, but these qualities may be nullified, in the mind of another who does not know you, simply because you present a slouchy appearance. If you had started in business and your employer realized your real worth, that is no reason why you should neglect your personal appearance. The first impression you make is a lasting one.

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E thrifty. It is not a mere act of putting away money for future use which makes the habit of thrift so valuable; it is the other characteristics which this habit involves. man who thinks far enough ahead to set aside a small part of his weekly pay as insurance against the uncertainty of the future, is at the same time cultivating in his own mind powers of self-control, foresight, orderly thinking and business acumen. These qualities furnish a direct road to business success.

These three rules alone will not lead to success in business, but they are strong helps, and, in

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these days of keen competition for every worth while position in the business world, no helpful hints should be regarded lightly. The man who does not care need not pay attention to them, but the man who does care ought to follow them.

How F. A. Vanderlip Personifies Initiative

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By FRANK WINSLOW

OST people think of Frank Arthur Vanderlip as a power in finance. This assumption is natural-since that is exactly what he is. But he is more. He personifies initiative. Few people realize that Vanderlip started at a salary which a modern office boy would scorn, that he has risen to a position which is allotted to very few men. His early life is interesting and his progress is inspiring.

Fifty-six years ago, he first saw the light in Aurora, Illinois. His father was a blacksmith, who, by dint of striving, made himself the foreman of a wagon factory. In 1878, he died, leaving young Frank Vanderlip, then aged fourteen, as the eldest of the supporting family.

The present financial wizard worked on the farm and attended a district school between his labors where he acquired the foundation of his future financial ability.

His first job paid him $12 for a whole summer's work. Look over his attainments. Frank A. Vanderlip has been successively assistant secretary of the Treasury, vice-president of the National City Bank, of New York, and, later, its president-was one of those far-sighted men who devised the Federal Reserve System and was a prime mover in the successful conduct of the Liberty Loans.

Mr. Vanderlip is a typical example of what may be done in America to-day-if the will to do is behind the ambition to succeed and if the brain is capable of inhaling and absorbing the lessons which are learned from hard work.

O not dwell on your disappointments, your unfortunate surroundings 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

SYNOPSIS OF PRECEDING CHAPTERS

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RS. ETHAN DOWNES who has spent the years of her long married life on her New England farm where her two children, Jim and Mary, now grown, were born, and where her husband died two years before, is told by Miles Humphreys that he holds a ten-thousand-dollar mortgage on the old homestead. He agrees to give her eighteen months in which to meet it. Realizing the impossibility of securing such an amount from the farm itself, Jim Downes decides to accept an offer from his

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CHAPTER XVII

HEN Jim Downes departed from Tony Lajoie's, late that night, and aroused the slumbering Tonetah, snoring in the depths of the blankets that filled the dog sled, Corporal MacGregor had disappeared. But Tonetah had not forgotten the officer's remark about hoping that he would not have to arrest Jimmy. Tonetah again made sure his knife was ready for use, and smiled to himself as he thought of the difficulty the big policeman would encounter in carrying out that task.

"Are you going back with me?" Jimmy asked the Indian, but the guide shook his head. "Tonetah stay here for night; come out early in morning," he replied, and as Jimmy cracked the whip over the restive dogs, and the sled shot out into the frosty air of the bitter night, Tonetah made his way into the heavy air of the saloon.

Apparently preoccupied, he made his way to a vacant chair close to the elbow of Caleb Waters and threw himself into it, calling to the waiter tj bring him a hot drink. Waters and Thurston paid no attention to the Indian, and both men, now considerably the worse for liquor, were talking together in tones none too low.

"How did you manage it?" Waters was asking his companion, and the apparently dozing Indian pricked up his ears.

"There was a rip in the lining of his mackinaw," Thurston explained. "When he was not looking, I slipped in the package of bonds and he went away with them and is now none the wiser "

friend, Ronald MacGregor, a corporal in the Northwest Mounted Police, to join him in Canada and journey to the new gold country north of the Fraser River district. Jim leaves his sister, Mary, to care for their mother, and departs on his quest, intending to mine sufficient gold to satisfy Humphreys's demands. Meanwhile, Humphreys, who is unscrupulous, secures the assistance of Caleb Waters to gain the affection of Mary Downes and to persuade her to sell the farm.

Waters laughed. "Well, you couldn't have them in a safer hiding-place. The chances are he'll never suspect they're there. Then, in good time, we can run out there, get the bonds back and travel on our way. We may also be able to turn a few honest dollars by helping him work the claim."

"I hadn't thought of that," Thurston mused, "but it might not be a bad idea at that. If we were both seen working for Downes, it would give us a reason for being in these parts. You would be able to keep an eye on him as you came up to do, and the police would not think of questioning my being here. If they do-well-our friend, Downes, will be in possession of the bonds and I sha'n't know anything about them."

So it happened that, when spring came, Waters and Thurston were working side by side with Downes and Tonetah-working the newly found vein. Overhead there were flocks of wild geese, flying in their V-shaped formation, and robins, swallows, and black-headed chickadees were fast returning after their winter stay in warmer climes. The last remaining patches of snow were disappearing, and the ice in the river was slowly melting under the warming sun of softer weather.

Jim Downes worked with a song in his heart, a happiness that echoed in his letters to the folks back in West Rockland. For now there was no need for the gentle deception he had practiced throughout the winter, rather than discourage his mother and sister. Old Simon Duroc, the dean of the northwest prospectors, had come out

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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

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."

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at Jimmy's request to inspect his find. And even the veteran miner gasped as he observed the richness of Jimmy's vein.

"There's a fortune there, lad," he told him. "I never dreamed so rich a deposit would be found in this corner of the wilderness." And his great calloused hand clasped Jimmy's in earnest congratulation.

When he had gone, Waters and Thurston exchanged glances, and their expressions were not lost on Tonetah. But the Indian held his peace and silently wielded his pickax. Yet he laughed in his heart as he thought of the amazement of the two if they had known of the little coup he had carried out several weeks before.

To Tonetah bonds were a mystery, and the green-and-yellow certificates he had found in the lining of Jimmy's coat were meaningless to him. He could not read the lettering on them and he did not think the pictures particularly remarkable; yet he knew that, somehow, these papers spelled danger to his employer. At first, he had been tempted to destroy them; but the knowledge that they were valuable deterred him. So he had stuffed some old newspapers into the rent in the coat lining and carefully sewed it up. Then, taking the bonds, he had secreted them in a crevice in the bark of an old beech tree.

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Jimmy had never suspected the presence of the bonds, and, after Tonetah's action, Thurston, wishing to make sure they were still there, felt Jimmy's coat one day. He noticed that the tear in the lining had been mended and, also realized with satisfaction the presence inside of a crackly substance. Smilingly he told Waters how the tear had apparently been mended without any discovery being made.

Jimmy began to think more and more of the calendar as the days went by. The time was drawing near when he would feel safer if the money to pay the mortgage were on deposit in the local bank in West Rockland. He began to plan his return-the journey that meant so much to himself, his mother, and sister. For days he thought it over, and, finally, went to Waters and asked him of his plans. "Do you want to go back with me, or will you stay here and work the claim?" he inquired.

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"That's a nice way to feel about your prospective brother-in-law!" Caleb laughed, without stopping to think. But, a moment later, he could have bitten off his tongue for that remark.

Instantly, Jim Downes was alert. "What do you mean-my prospective brother-in-law?" he demanded of Caleb.

"I-I thought you knew," Waters said lamely, flushing to the roots of his hair. "I supposed Thurston had told you, or that Mary had written about him."

"Out with it!" Downes said firmly, catching the man by the arm. "Tell me all that you know-and be quick about it!"

A little afraid of Jimmy, Waters told him the story of Thurston and Mary-told how Thurston had made the mistake which now made him a fugitive from justice-but he shrewdly said nothing about the presence of the bonds.

Jim Downes sat on the edge of a bowlder and thought for a while in silence.

Caleb watched him anxiously and, at length, said, "You can't turn him over to the authorities-for Mary's sake. "You wouldn't do that, would you, Jim?”

"I don't know," Downes said.

"If the man is

a thief, Mary wouldn't have him, and she'd be better off without him, anyway. Still, as you say, I can't bring myself to inform on him-but he can't stay here any longer."

"Where can he go then?" asked Waters craftily. "He hasn't any money."

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"He'll have his wages for what he's done here," Jimmy said, "and I shall be liberal with him. I don't want to talk to him. You tell him what I have said; and when I return from the village, I'll have his money for him."

Half an hour later, Downes started off in the direction of Paquinaus, and hardly was he out of sight when Waters, alone in the absence of Tonetah and Thurston who were off on a hunting trip, made a dash for the railway station by another route. Using the code name he and Humphreys had devised, Waters sent this telegram to the landlord: "Charles planning to return. Has plenty of funds. Wire instructions.”

He then hastened back to the camp, gratified that he had not encountered Jimmy in the village. But he might not have been so happy had he known that in addition to sending the message to Humphreys, the telegraph operator also sent it to the headquarters of the Northwest Mounted Police, supplementing the message with a report of his own which, shortly

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