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UGH was thoughtful. “I get your idea, that,' he informed me sharply, 'we study our

dear. But, is it quite practical in busi- men before we pick them. The point is, I ness? A man can easily get into a rut sticking thought you a five-thousand-a-year live-wire. on as I've been doing, in the same place, for What's the answer. You're making two-might years.”

better be a day laborer. You ought to be a Thea laid her darning aside and took up his stockholder. I'll bet you don't own a share.' I discarded newspaper.

had to admit I didn't.” “If a man is loyal to his employer and does his “It's a wonder to me you let him speak to you best-there's only one outcome, ever.”

that way,” Thea informed. “Was it because you He looked at her in silence for a moment, then thought there might be a place for you in said a trifle petulantly: “Aren't you going to Chicago with him?" ask me about the real trouble that's bothering me?"

E nodded gravely. I told him I'd done “If I did, Hugh,” she laughed easily, "you'd


best. At that he laughed loudly. say, 'Oh, just business, my dear?," and she gave Your best!' he sneered, ‘seems to me it's your a perfect imitation of his voice.

worst. You were a promising youngster but, in “How wise you are,” he chuckled. “Well, it's the last few years, you've gone ahead about as this—" He gave one or two quick turns about fast as a snail.' That made me as mad as a blue the room, then abruptly he sat down again, devil. 'Well, MacPherson,' I cut in, 'A snail facing her.

gets there and minds its own business on the “A man came into our office this morning way. Good day, sir.' At that he leaned across representing the Good Dress Corporation of the table. Now we can come to business, he Chicago. Doubtless you remember meeting him said in a half whisper.” one time at that large dinner Mr. Bennett gave.' “What did he mean?” Thea was all interest.

“Mr. MacPherson?” she questioned intui- "Just this: It seems that the Good Dress tively.

Corporation is about to extend its business, “Right. I might have known you'd remem- especially in the East. They already have the ber. Well, he's what one might call a canny West pretty well covered. They're going to Scot. After a few moments conversation, he open a branch house right here. When he told came down to business and bought an enormous me that I asked him why. “Why? You young amount of goods. Something of every single fool he blurted out, 'W'hyto make more money, thing we sell. Then he invited me out with him that's why.' Then, lowering his voice, he said: for a bite to eat, before I had a chance to offer 'And, incidentally, to get the business of The that courtesy, myself. Andrews, who's acting- Bennett Company, as well.' Then, before I president since Mr. Bennett's illness, saw us go could recover from my surprise, he made me his out together and called to me to show Mac- proposition." Pherson the town, at the firm's expense.”

I thought Mr. MacPherson was a personal "It must have been a big order,” Thea laughed friend of Mr. Bennett's,” Thea ventured in a heartily.

rather shocked voice. Hugh nodded grimly. "Yes, that's Andrews; Hugh did not seem to hear her. "In a nutbut he realizes how much business MacPherson shell what he said was this: I can be of use to could throw our way. His secretary overheard them. Know more about the Bennett business the invitation. She tells him everything, all she than any other employee they have, been with hears and some she doesn't.

them longer, and have a more general knowledge “After we were seated, the first thing Mac- of the management. This is the twentieth. If I Pherson asked-he's very blunt you know-was accept, I go on the Good Dress Corporation's how much I made. Almost before I realized it, pay roll on the first of next month. Five thouI'd told him, two thousand. "Two thousand! he sand a year for a send-off, and, if I make good, scoffed at me, 'Godfrey, I thought we might be to use MacPherson's words, "The blue dome of able to use you; but, if you're satisfied with a bonny Scotland will be the limit.' What do you pittance like that, I guess we don't want you.' think of that?” You may believe me, I told him I was far from Thea's eyes had grown very wide and dark. satisfied.”

"Five thousand dollars,” she repeated in a rather 'What do you stay with the Bennett frightened manner. “Five thousand

for Company for?' he asked. Then, when I tried to beginning! Oh, Hugh!" give him my life history, so to speak, about “Wait,” he commanded. “The first three starting in with them as office boy and gradually months, I'm to stay right where I am. They working up, he waved his hand. 'I know all want a better understanding of the Bennett


Company's various departments, the system of The producing department was more difficult. the thing, you know, and—a complete list of Brown was a queer chap, reticent to a degree. customers, the big fellows. As for the stock, But his assistant, Keebler, was as talkative as MacPherson said he'd bought enough for a Brown was quiet. He could be persuaded working basis and that, in Chicago, they could easily to tell all he knew. make things cheaper and of better material than And Godfrey was head of the sales departis being used in our factory here, and still be ment. How very simple it would all be. able to undersell the Bennett Company and Then, unfortunately, across his vision, came make a profit."

the white and kindly face of Horace Bennett, the “But that would be a disgraceful thing to president of the firm. Bennett had taken him do”

in-had helped him along right up to his present Her husband interrupted her quickly. "Let post. He knew that he had stood in line for the me finish, dear. I want it all off my chest. We next promotion; but Mr. Bennett had been can discuss it afterward. I didn't have time to taken ill and, for six months now, Andrews had answer MacPherson after I'd understood clearly been acting-president. The position that Hugh the gist of the thing. Andrews came into the had expected to fill had gone to a friend of hotel and joined us, telling me I was needed at Andrews from the outside. the office, so I had to rush off without getting Godfrey had borne the slight silently because anywhere. I left MacPherson and Andrews of his fondness for the old president. there together. As I started to go, MacPherson “But, I can't go on because of him, when he's half turned in bis chair. “I'll see you again, not there. I don't care a hang for the rest of laddie, in a week or so,' he said softly as Andrews them," he reasoned. “Every man has his was giving his order, and with that I went out. price. I guess five thousand is mine." And there you are!" He finished with a sigh of But, somehow, the thought of Horace Bennett weariness and knocked the ashes from his pipe. persisted, even after he had gone quietly to

Thea spoke with a rush. “Well, my intuition bed. was all wrong. Never would I have thought The next morning found him restless and ill at Mr. MacPherson that kind of a man. Never! I His mind refused its usual tasks. Finally, can't understand it. If Mr. Bennett were only with a muttered ejaculation at his own foolishnot ill! The thing to do, of course, is for you to ness, he walked over to Miss LePaige, Andrews's tell Andrews since he's taking Mr. Bennett's secretary. place, but I know you dislike him intensely.” “Ask your chief if he will spare me a few

“Remember the five thousand,” Hugh ad- moments,” he requested curtly. vised. “Remember that I'd be throwing away The girl came back in a few moments to say my chance if I mentioned it to anyone.”

that Mr. Andrews would see Mr. Godfrey. “It's a great salary, Hugh,” she admitted. Hugh smiled grimly, as he walked towards the “You will have to think it out for yourself.” sanctum of Julius P. Andrews. He looked at her keenly.

As he came into the room, Andrews called "I'm very tired," she announced briefly, “I Miss Le Paige, “You don't mind waiting a think I shall go upstairs.”

moment, Godfrey, do you? I've just one letter Hugh rose at once and walked with her to the to dictate; almost forgot it." foot of the stair-case. “I'll be with you pres- Hugh nodded silently and sat down. ently,” she heard him say, “as soon as I smoke “Tell him," Andrews went to Miss my pipe; but you go to sleep-don't sit up there Le Paige, “that the company, in general, and I, waiting for me."

in particular, are glad of his recovered health,

and that we hope to have him with us sometime NTOLD possibilities stretched themselves in the future. That is all now,” he finished and

before Hugh. “A general knowledge of turned to Godfrey. the way his firm did business." MacPherson The girl hesitated, “Mr. Bennett is still in had said something like that. Why, he knew Colorado?" she inquired in a low tone. the ins and outs of their business to a T.

Andrews swung round in his chair impatiently. There was Carter. A good friend of his and "I think he's on his way east," he replied tartly. one of the very best in the buying department. “Get his correct address from Jameson.” He could readily get any information from that "What's up, Godfrey? Can you say it's a source he desired.

'braw, bricht, moonlicht nicht?' ” he quoted Jameson, too, of the financial end, often talked jocularly. “MacPherson gave you an order fit to him of that side of things, so his interest there for a Highlander, all right." would be taken for granted.

(Concluded in April)






N a conversation on thrift, Mr. Charles M. Whether the income runs into hundreds of

Schwab once told me the following story: thousands of dollars, or only a thousand or two,

“Not long ago the expenses of running my the management of the home is the wife's busiNew York home became exorbitant. I called in ness. Unfortunately, many young wives do not the steward and said to him: ‘George, I want to know how to spend wisely, because they were strike a bargain with you. I will give you ten given no opportunity to become familiar with per cent of the first thousand dollars you save in financial matters until they married. The result house expenses; twenty-five per cent of the is, when they start housekeeping they are ignosecond thousand, and one-half of the third rant of the laws of thrift; they have never learned thousand.' The expense of running the house by actual practice the real value of money, how was soon cut in two."

to handle it, how to use The wise expendi

it, how to get the most ture of one's income,

out of it, how to make whether it be small or The Friendly Hand

a little go just as far large, involves the By JAMES WHITCOMB RILEY

as possible. In sbort, same principles as the

they never learned how investment and hand

HEN a man ain't got a cent, to finance themselves, ling of the business

he's feelin' kind o' blue, and know nothing man's capital. And And the clouds hang dark an' heavy, whatever about financthe successful business- an' won't let the sunshine through, ing the home. So, man carries these prin- It's a great thing, O my brethren, for when the husband ciples into the conduct a feller just to lay

turns over his salary, of all his affairs, his His hand upon your shoulder in a

or a certain allowance personal and housefriendly sort o' way.

for the household exhold expenditures, as

penses, the young, inwell as those relating

experienced wife makes directly to his business.

a very bad mess of the Even multi-millionaires have to be thrifty or whole financial matter. She gets into a muddle, i their millions would take wings.

bungles things up, and spends unwisely, often

extravagantly, because she has never learned to WHERE is no other problem which causes so get the perspective of a definite income, so as to

much discord, so much scrapping and un- know the right proportion for the different exhappiness in the home as the money question. penditures, to know what she can afford and And in a great majority of cases, all the trouble is what she cannot. caused by the lack of thrift, the ignoring of all business principles in financing the home. Be- WHERE are many pitiable cases where young cause they have not been trained from childhood in the wise expenditure of money, the tendency of the one pictured on our cover this monthof most young married people is to spend to the driven almost to desperation by the bills run up limit of their income and often far beyond it, by an inexperienced wife. We often see young at the very start when they begin housekeeping. women, sincere and honest in their desire to help If they only knew how to start right, by adopting their husbands, but who had no training in the budget system, planning their expenditures financing themselves or in the handling of money in every particular-food, clothing, rent, recrea- previous to their marriage, developing extravation, amusements, etc.-according to their gant habits in dress, and running into debt for earnings, always spending less than they luxuries. We find these wives of moderateearn, always laying aside a reasonable per- salaried husbands ordering expensive dishes in centage for future needs and possible emer- restaurants, riding in taxicabs, patronizing sexgencies, what a difference it would make in pensive florists, doing all sorts of things which their lives! What heartaches and heartbreaks, are away beyond their means. what discords and misery in the home could I know of an instance of this kind. The yolung be sa ved!

wife of a college professor with a salary of t1wo






thousand a year, ran up accounts in the depart- dream of owning a home of their own may be ment stores, at garages, at the florists, at dress- realized. makers, and in all sorts of places, without realiz- Theodore Roosevelt said, “If you would be ing what she was doing. She did not know how sure that you are beginning right, begin to save. careful she would need to be in spending her The habit of saving money, while it stiffens the husband's small salary. It never entered her will, also brightens the energies." head to consider that marriage had changed her The moment a young man begins to save sysfinancial status; that instead of being the tematically, and to make wise investments, he daughter of a rich father, she was the wife of a becomes a larger man. He takes broader views poor man, and that her father would no longer of life. He begins to have a better opinion of bimsend checks for her purchases when the bills were self, more confidence in his ability, in his power presented. Before she knew it she had run up to shoulder responsibility, to make his own large accounts that not only embarrassed her program, be his own boss. In early learning the husband for several years, but brought great lesson of thrift, he has taken the first step in the humiliation and suffer

development of sturdy ing upon herself.

character, the sort of When the bills began

character that distinto arrive and the young By the Side of the Road

guishes the best type wife awoke to a full By SAM WALTER FOSS

of self-made man. realization of her situa

ET me live in a house by the side tion, rather than tell

ONCE sent an inof the road, her husband, she

terviewer to the Where the race of men go by, pawned her jewelry,

late Marshall Field to some of which were her They are good, they are bad, they

ask him, among other wedding presents. Of are weak, they are strong,

things, what he concourse the husband Wise, foolish; so am I.

sidered the turning found it out, and was Then why should I sit in the scorner's point in his career, not only shocked to seat

and his answer find himself heavily in Or hurl a cynic's ban?

“Saving the first five debt, but seriously

thousand dollars I ever Let me live in a house by the side of troubled because of his the road

had, when I might just wife's deception, even

as well have spent the And be a friend to man. though it was not quite

modest salary I made. ntentional. Her ig

Possession of that sum, norance of the art of

once I had it, gave me financing herself and the home was really the the opportunity to meet opportunities. That I source of all the trouble.

consider the turning point.”

John Jacob Astor, the founder of the Astor VERY girl, as well as every boy, should fortune, said that if it had not been for the saving

have a common-sense training in business of his first thousand he might have died in the matters, should be brought up to spend money almshouse. wisely and thriftily, not foolishly and extrava- Unless you make it a cast-iron rule to lay aside gantly. The girl who has had such a training a certain percentage of your earnings each week, will not be all at sea when she gets married and each month, you will never succeed in becoming has to run a home of her own. She will be pretty a really independent man or woman. You will sure to make a good manager of her household always be at the mercy of circumstances. No finances, a far better one than the average man matter how small it may be, or if you bave to go could by any possibility make.

without a great many things you think you need, I know of no other habit more valuable to a put a portion of your earnings away every year man or woman than the early formed habit of where it will be absolutely safe. You don't know thrift; not the stingy, squeezing, holding on what this will mean to you in case of illness, accihabit, but the habit of wise living and spending, dent or some unlooked for emergency when a the wise administration of one's money, of one's little ready money may save you from great personal and domestic affairs. A provident wife suffering or financial ruin. can establish such a system in domestic affairs The thrift habit opens the door to opportuthat, combined with her husband's efforts, the nity. It means that a man has foresight and home budget will take on remarkably large intelligence in planning his future. It is one of proportions, and within a short time the the foundation-stones of fortune and character.



Underwood & Underwood, N.Y.

GILBERT K. CHESTERTON Prince of paradox and master of epigram, one of the few living authors whose words reach

all countries of the world

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