A broker at eighteen, or, Roy Gilbert's Wall Street career

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A broker at eighteen, or, Roy Gilbert's Wall Street career

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A broker at eighteen, or, Roy Gilbert's Wall Street career
Series Title:
Fame and fortune weekly : stories of boys who make money
A self-made man (J. Perkins Tracy)
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New York
Frank Tousey
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1 online resource (28 pages)


Subjects / Keywords:
Dime novels -- Periodicals ( lcsh )
Wealth ( lcsh )
Entrepreneurship -- Fiction ( lcsh )
Boys ( lcsh )
serial ( sobekcm )

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University of South Florida
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University of South Florida
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The University of South Florida Libraries believes that the Item is in the Public Domain under the laws of the United States, but a determination was not made as to its copyright status under the copyright laws of other countries. The Item may not be in the Public Domain under the laws of other countries.
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F18-00098 ( USFLDC DOI )
f18.98 ( USFLDC Handle )
031337275 ( ALEPH )
839681438 ( OCLC )

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. sTORlfS Of BOYS wno MAK( MONEY. Oraaht A hea'f7. mi88il& struck the o1ftc& windo,w.:t, The; startled Ro,-sprang from his chair amid & shower of splinteredi glasSl. Will Church and! h[S;" sister back in conatetrna.tion, while the. omce: bOF looked' thoroughly i


Fame and Fortune Weekly STORIES OF BOYS WHO MAKE MONEY blued Weekl11-B11 Subacription I Z .6Q per 11ear Entered. according to Act of Cong reu, in the 11ear 1901, in the office o f the Librarian of Congreu, Wcuhington, D. C b11 Frank Towe11, Publiaher, Z4 Union Squar New York. No. 98. NEW, Y ORK, AUGUST 16, 1907 PRICE 5 CENTS. \ A BROKER AT EltiHTEEN O B, WALL STREET CAREER / By A SELF-MADE MAN CHAPTER I ROY GILBERT AND ROSIE WOOD "Look here, Jim Crawford, can't you leave that girl alone?" cried Roy Gilbert, a bright-faced, energetic looking lad, laying his hand on the arm of a stout, pock-marked A D T. messenger. The latter was teasing, in a rough way, a sweet-faced little flower girl of fitteen in front of the Sub-Treasury Building, at the corner of Wa ll and Nas sau streets, one sunshiny morning. "What are you buttin' in for?" snarled Crawford. "This gal ain't nothin' to you "It makes no difference whether she's anything to me or not," retorted Roy in a resolute tone, "you haven't any right to inte rfere with her. This isn't the first, nor the s e cond time y ou 've annoyed her, so I want you to quit it." "Who gave you the right to hand out orders to me?" snorted Crawford "You're puttin' on altogether too many lugs for a Wall Street messenger. First thing you know you ll run ag'in my fist, and then maybe you'll haul in your horns." "I'm not worried about running against y ou r fist I don' t b e lieve y ou 've got sand enough to use them Fellows of y our s tamp don t generally have "What do y ou mean by that?" said Crawf o r d with an ugly look "Just what I said "Are y ou lookin' for a run-in with me?" "Not unless you persist in bothering this gi rl. "Who's botherin' her? I was only lookin' at her :flowers!" "You know that's a lie Jim C r awf o r d I saw what y o u were doing "I don't care what y o u saw. I wish you'd mind y our own business.'' "That's what I'm doing I consider it' s my duty to 'pr o tect Rosie from such chaps as you. If the officer on t h e beat had been around he d have made short work of y o u, I can tell you that. I ad v i s e you to look out for l,iim, for he won t stand for anyone getting funny with Rosie "Aw, you make me sick!" growled Crawford t urning on his heel and walking off. The cau s e of this altercation had drawn off and stood looking at the two boy s with an uneasy expression, as if she was afraid the re might be a fight on her account When Jim Crawford d e parted she looked much relieved, and smiled grate fully at Roy as he walked over to her. "You are very kind, Roy Gilbert," she said in a sweet voice, "but I don't want you to get into any trouble over me "You needn't worry about me, Rosie I ca n take care of myself. I know Crawford like a book. He' s a bluff and a bully. He hasn't courage enough to tackle a fellow his own size unless it was to hit him wh e n his back is turned. He likes to bulldoze persons who are no match for himyourself, for instance That's the kind of a chap he i s "I'm afraid of him." "I don't think he'll annoy you any more If he does, tell me or the officer of the beat The policeman would fan his ljJgs with his club." The girl smiled, and picking out ?ne of her n i cest b o u tom;iieres pinned it on the lapel of Roy's jacket


2 A BROKER AT EIGHTEEN. "Thanks, Rosie. Here's your nickel." "No. I won't take any money for it. " Oh, but you must. You can't afford to give your flow ers away in that reckless fashion. You've got an o1d father to support." "And haven't you somebody to support, too?" "Yes. I've a mother and a little sister who is going to school." "Then you need the moneV as much as me." "That's true. I need as mu9h as you, but I can afford to be extravagant to the extent of a nickel once in a while, so take it. She accepted the coin reluctantly "You're a nice boy, and I like you very much "Thanks, Rosie I like you very much, too. I wish I could afford to buy a boutonniere from you every day. If curb in front of the Sub-Treasury with a board full of bou tonnieres, which she offered to the public at five cents each. She also carried a box with an additional supply, and, as a rule, she sold out inside 0 three or four hours, or many brokers had got into the habit of patroni2ling her daily, usually giving her'double price, and often a quar ter for a bunch which she pinned on their coats for them in a dainty, childish way that flattered them Roy had got acquainted with her one day by rescuing her bo:x: from the pilfering hands of a couple of bootblaclts, and after that she always smiled when he noticed her in passing. Their actual friendship began when he interfered to pro tect her from the first aggressions of Jim Crawford, who qund a pleasure in trying to frighten her. I was a broker, I would." "Do you expect to be a broker some time?" "I do, if luck runs my way." "Then you sha11 be lucky .It was just like Roy to do such a thing, for he was a boy who could not sta.nd by and see 1!Jhe strong oppress the weak, particularly when the weaker party happened to be an inoffensive girl. "How?" replied Roy, regarding her with new interest. The girl put her hand in her pocket and drew out a little wallet. She opened it with her disengaged hand. "You haven't a rabbit's foot there, have you?" grinned Roy. "Oh, no. I've a lucky charm that I'm going to give you." "Hadn't you better keep that yourself, Rosie? I think you need it." "This charm I 9an spare, because I wear the other half e:f it around my neck. The old woman who gave me both told me to wear one and give the other to some one I could i: rust. She said it would bring good fortune to that person, and in the end would-but I cannot tell you 1.hat. It is my secret,'' she said, looking down with a heightened color. She took out the half of a golden circlet / on which some characters were engraved, and put it in his hand "Wear this around your neck day and night. Promise me }OU will, and it will bring you prosperity." "All right, Rosie. I'll do it to oblige you," he laughed. "It's about time that my luck changed for the better, for I've bad a pretty rocky time of it since my father died, three years ago." He had a sister and a mother who looked to him for protection as well as support, and he had trained himself to meet the responsibility. His home was a modest little fiat of four rooms in Har lem, and his mother had a struggle to maintain the little houseliold on his wages of $9. He managed to pick up enough extra money in the course of the week to pay his carfare and lunches, but he seldom ha d any funds to spend on amusements. He always looked neat and in his attire, and was particularl y careful of his clotlfes because it was no easy matter for him to get a new suil Taken altogether, he was a manly, self-reliant boy, well liked by his employer, George Howland, a stock broker, of No. Wall Street,.and by all who knew him, with probably the single exception of Jim Crawford, whose opinion wasn't worth considering in the matter After accepti:qg the ring from Rosie Wood, Roy bade her good-bye and started for his office; whither he was returning after executing an errand to the Astor Build ing. The office was on the second floor of a big building that had several hundred tenants. People were continually coming in and going out at the main entrance during business hours, and the elevators "Your luck will change i you wear that broken and mine will change, too." were always shooting up and down at a rate that :made rmg, nervous people dizzy The girl spoke with great seriousness. It was evident that she had a superstitious confidence in the lucky properties of.the charm, as she called it. -"If by wearing this broken ring I can change your luck :for the better, too," said Roy, ,"count on me for giving it a trial anyhow." He put the broken circlet carefully away in his pocket, intending to follow her request just for the fun 0 the thing, not that he was superstitious enough to believe that there Roy had been on the run ever since half-past nine that morning, and when he reached the reception-room on this occasion he was glad to take his seii.t and his bones CHAPTER II. WAS IT A COINCIDENCE OR DID THE CHAR!YJ: WORK? was anything in it. Roy took up a copy of the Wall Street Argus to paBs the He liked the sweet-faced little flower girl, wko was the time till his services were called for. daughter of a poor old violin maker, whose sight had giyen He had read one or two paragraphs 0 financial intelliont and thrown him upon his only child for support gence the door opened and in walked his chum, Will For the past three p10nths she had been coming nearly Church, who worked or a broker in the Vanderpool Build3\'ery day to Wall Street, where she took her stand on the ing in Exchange Place -


A BROKER AT EIGHTEEN. 3 "Hello, Will!" he exclaimed. "Hello! Roy J Is Mr. Howland in?" [ One of them was Jim Crawford, and he scowled at Roy as soon as he saw him. "No. Over at the Exchange." I "Crawford gave you an awfol black look," remarked "I stopped in there before I came here, on the floor!' and he wasn't Will. "He must have a grouch against you." "Then I can't tell you where he is. Is your note specially important?" "l couldn't tell you. All messages are usually specially important. H 11You'll have to leave-'' The entrance of Mr. Howland at that moment cut him short, Will him the note. The broker tore it open and read it. "All right. o answer. Here, Roy, I want you to take this package of bonds down to the National Trust pany. Give it to Mr. Brown, the treasurer, and get his receipt." 11Yes, sir," replied Roy, taking the package and starting off. Will was waiting ior him at the entrance, and they started up Wall Street together at a pace. "If I had $50 l think I could make a said Will. "How?" asked lioy. "I heard three brokers in our office this morning talking about V. & S. They talked as if it was a foregone conclu sion that the stock was going to rise within a few days." 11 I wouldn't be surprised if prices improved all around. Every stock in the market is down below its usual fig"He has." "What about?" "He's sore on me because I stopped him from annoying Rosie Wood, the flmver girl, who stands in front of the Treasury Building." "Oh, that's it! He was trying to mash her, I suppose. She's a pretty girl." "She's all right. She supports her poor old blind father." "You've been talking to her, then?" "Yes. We're kind of friendly.'' Will grinned. "I leave you here," he said, when they reached the cor ner. "See you at the station at four o'clock." "All right," answered Roy, starting up Exchange Place toward Broadway. Reaching that main artery, he turned down in the rection of the Batter.y. In the middle of the second block was the National Trust Company. Roy entered through the arched brown-stone entrance and made his way to the treasurer's office. Here he delivered his package, for which, after it was duly examined, he received a receipt and started back for Wall Street. The thorouO'hfare was crowded at that liour, with men "' mostly, going in both directions. Roy was hurrying along near the curb. ure." "Every stock, eh? "I do!' "What for?" Suddenly two messenger boys dashed out of a door Do you keep the run of the market?" way and cutting through the mob butted into Roy and knocked him into the street. "To keep abreast of the times in Wall Street. I like to know just what is going on. I got a $5 bill from our landlord last week for giving him a general idea of the tone of the market, and what, in my opinion! was likely to happen to a certain stock inside of the next fifteen days. That bill came in mighty handy, for mother needed money badly that day; not but what we always need money badly. \ It's a chronic complaint with us." His hat went rolling under an express wagon drawn up alongside the curb. The boys laughed and darted across the street, narrowly missing being run down by an electric car. For a moment Roy was pretty mad as he picked himself up and looked for his hat. There wasn't any Use of kicking, however, as the boys had vanished, so he crawled under the wagon and reached for his hat. "Do you read all the :financial news?" "Yes. I read everything connected with that I can get hold of." As he pulled it toward him he saw what seemed to be the business a thin wallet lying on the ground, so he reached fot that, too O'rabbed it and made his escape from his awkward po-' b "Pretty dry reading, isn't it?" sition. ot to me. I'm interested in everything that concern<:! Wall Street." "I guess you're thinking of becoming a broker one these days." "By George! it is a pocketbook!" he exclaimed. "I won der if there's anything of value in it?" of He removed the rubber band and opened it. "That is the height of my ambition." "It takes experience and-money." "I'm trying to get the experience as fast as I can ; as to the money, that is a horse of a different color. There's loads and loads of money down here, but it isn't circulating .., Six brand-new $100 biils were folded in it. "Gracious!" he ejaculated. "Here's a find for fair!" There was nothing else in the wallet, not even a scrap of paper. Not the slightest clue to the owner of the money. Roy put it in his pocket and htlrried on. very fast among us messengers." "That's right. Come down New Street. near for you.'' "Somebody is out $600," he said to himself. "Well, It's just as probably it will be advertised for, and I can retlll'll it." The boys turned into that narrow thoroughfare. As they passed the messengers' entrance to the Exchange several boys catne dashing out. Never for a moment, as hard up as the boy was, and as useful as he knew that windfall would prove to his mother, did he tl).ink of appropriating it to his own use "'.ithout an effort to find out the owner of the money.


. A BROKER AT EIGHTEEN That as the way he had been brought up. "What are you talking about, Roy?" asked his mother. He was as honest and as honorable as the day is long. Then he told her about Rosie Wood, a11.d exhibited the To keep what didn't rightfully belong to him, if there broken circlet she had given him as a talisman 01' good was a chance of restoring it, was not his way of conductfortune. ing himself. "It's a singular coincidence, isn't it, mother, that I When he got back to the office he made another examinashould find that wallet with so much money in it, and no tion of the wallet, but the result was the same. clue to the owner,' after getting this charm, if such it is? Finally he sealed it up in an envelope, put h:s name I don't know what to think of it. I've been three on the outside, and asked the cashier to put it ;n the years in Wall Street, and never found anything of value safe. larger than a fifty-cent piece before. What do you think 'l'hen he sat down and began to think how long he ought of it?" to leave the money untouched in case he wasn't to "I think it is merely a coincidence, Roy," she _replied. discover the owner. "There is really no such thing as lucky charms." "Mother and Jessie need clothes badly, and a new suit "I suppose not, mother, but thousands of people bewould look pretty well on me," he mused "In fact, there lieve in them just the same. The colored bootblack at are a whole lot of things we want in the worst way. We the corner carries a rabbit's foot for luck, but I don't see could make a $100 bill look as if it had been struck by that he is specially fortunate. The first coin he takes in in lightning. Some people in this world have more than they the morning he spits on. I asked him what he did it for, want, while others-well, what's the use worrying over and he said if he didn't he would do scarcely any busi things? It won't mend the1n any sooner. That money nef!s all day. I could mention a whole lot of similar may represent a small fortune to the loser, or it may only things, whidh only goes to show that people are still super count as so much pocket money. Who can tell? Well, stitious in spite of the advanced times." if the person can't afford to lose it I hope he advertises "Well, my son, so many coincidences happen to strength for it, and that I see the advertisement; but if a rich man en their views that it is little wonder such notions exist. lost it, I hope he'll forget all about it, and then mother, Now Mrs. Peters, next door, asserts that the reason her Jennie and I, for once in our lives, will be on Easy Street." son lost his position, and has not had any steady work At that moment the cashier called him over to his desk, since, is because he broke a looking-glass. She says he handed him the bank book with the day's deposits, and won't have any luck for seven years." Roy made a line for the corridor outside. "As far as I can see, Ben Peters hasn't made any great He didn't say anything to Will Church about his find effort to get a situation. If he got out and did a little when he met him at the station, but Will had a whole lot hustling he might break his ill luck." more to say about V. & S. stock. "What are you going to do with this charm?" smiled his He had heard his employer advise a big customer that mother, handing it back to him. afternoon to buy the stock, and the customer gave him an "Don't laugh at me, mother, but I promised Rosie I'd order for 1,000 shares at the market, 47. wear it, and I'm going to keep my word." "There isn't any doubt in my mind but it will go up "There is no great harm in your doing so," she replied. maybe ten: points. If I could buy even five shares on a "But as the girl, you say, wears the other half herself, and margin," he said, "I'd stand to double my money." does not seem to be very fortunate, you can hardly expect Roy thought of the money in the wallet in the office it to do you any good." safe, and figured that he could buy 100 shares of V. & S. on "She told me that her luck would turn for the better, a margin if the money were only his to do with as he too, if I wore it." pleased. Mrs. Gilbert smiled incl'edulously, and the subject was Then if the stock went up ten points he would be in line dropped. to make $1,000. That evening Roy persuaded his sister to part with a A thousand dollars looked as big as the capital of some small piece of baby blue ribbon, and he used it to secure of the banks to him at that moment. his talisman around his neck. The temptation to use the money for that purpose would When he went to bed his sleep was visited by a singular have been almost irresistible with most boys, and we don't dream. say that Roy wasn't tempted, too; but his character was He thought that he was afloat on a great luminous sea strong enough to enable him to resist it, and he tried to in half a golden boat shaped like the broken circlet, with forget it by bringing up another subject for conversathe same strange characters engraved on it. tion. Presently out of the hazy distance :floated its counterWhen he got home he told his mother about his find, and part bearing a lovely girl, whose face he recognized as she agreed that he had no right to touch it until he had Rosie's. exhausted every reasonable effort to find the owner. As the hali-boats approache'd each other 'Rosie held out At the supper table he remembered the broken circlet her arms to him. Rosie had given him with the statement that it would sureSome attraction brought the two floating objects toly bring him good luck if he wore it continuously. gether until they joined in one perfect ring like a large "Whew!" he ejaculated, pausing with his teacup half life-preserver, and Rosie, throwing her arms around him, way to his mouth. "Did that have anything to do with kissed him and seemed to be perfectly happy. my finding that wallet?" Together they :floated over the cloudy sea, and gradually The very suggestion fairly thrilled him. he noticed that bags of money gathered around their feet,


A BROKER AT EIGHTEEN. each bearing some familiar initials, only one of which stood out clear and distinct, and that was V. & S. Rosie pointed to that and then to the distant horizon where for a moment he saw outlined the entire frontage of the New York Stock Exchange. '1.'hen he awoke to find that it was morning and time to get up. CHAPTER III. IN WHiCH V. & S. PROVES A REAL WINNER. Roy was so silent and thoughtful at the breakfast table that his mother asked him what he was thinking about. "I'm thinking about a remarkable dream I had last night," he answered. "Oh, do tell us, Roy!" said his sister coaxingly. "All right, but don't laugh at it, please." "Oh, we won't laugh," Jessie assured him. So Roy told his dream. "Isn't that singular!" exclaimed his sister. "What do you suppose V. & S. means?" "That's the name of a railroad stock that Will Church told me he expected to see rise in price." "And it got mix-ed up in your dream." "It looked as if Rosie was trying to tell me that there was money in it for me. Do you know, if that $600 was mine I'd be strongly tempted to use $500 of it in buying 100 shares of V. & S. on margin," said Roy. "You mustn't place too much dependence in a dream, my son," said his mother. "Dreams are really nothing but reflections of our waking thoughts "Dreams usually go by contraries, any way," interjected Jessie. "That's right, I guess. Ben Peters told me that he dreamed that a certain horse that was advertised to run in a race at one of the tracks won the race he was in. He went to a pool-room next day and put up all his funds on the animal, expecting to make a wad." "Did the horse win?" asked his sister. "He did-not. He came in last, and Ben was out his dough." When Roy was returning from an errand at eleven o'clock Rosie was se:tling her flowers as usual in front of the Sub Treasury. Somehow or other she looked difl'erent to Roy than she ever had before. He began to regard her with a new interest. "I always thought her pretty," he said to himself, "but I never felt so attracted to her before. It seems as if--" He paused and regarded her intently. "As if she had sud denly become very dear to me. Last night in my dream she kissed me, and I can feel the tingle yet on my lips. I felt as if I could fl.oat with her forever in that golden boat. But then it was only a dl'eam, and dreams mean nothing, so mother says." Just then Rosie his way and saw him. Her face lighted up with that same blissful smile he had seen in his dream, and her eyes drew him quickly to her side. Well, how are things coming this morning, Rosie?" he asked lightly, 1ooking into the liquid depths of her eyes. Instead of answering him as usual, a curious shynesa seemed to have come over her in his presence. A deep flush mantled her cheeks, and she dropped her eyes to the sidewalk. "Why, what's the matter with you, Rosie ?'l he asked in some surprise. "You aren't going back on me, are you? Why, I dreamed about you last night." She raised her eyes in a startled, wistful way. "And I dreamed about you, too,'' said she softly. "The dickens you did I thought we were in a round boat together--" "That was my dream, too," she said eagerly. "In the clouds." "That's right," replied the young messenger. "And there were bags of gold in the boat." She nodded. "With letters on them. You pointed to one marked V. & S. and you said--" Bi:fi A good-sized, o"."er-ripe apple struck Roy's hat and sent it spinning against the granite steps of the Sub-Treasury. Gilbert turned angrily around and caught sight of Jim Crawford's grinning :face peering at him from around the corner of the Morgan Bank steps, Roy started after him at once, without waiting to re cover his hat, and Crawford flew down Broad. Street like the wind. Gilbert couldn't catch him, and had to give up the pur suit. When he returned to Rosie she had his hat in her hand and was waiting on two brokers. "Thanks, Rosie, for picking it up. The fellow I callecl down yesterday for bothering you threw that rotten apple at me. I'll polish him off some day in a way he won't like." Rosie picked up a boutonniere and started to pin it on his jacket. "Not this morning, Rosie. I can't afford the nickel." "You must accept this one from me--please do!" He yielded. "By the way," he said, "that charm of yours has worked already. I found a wallet yesterday with $600 in it." She stared at him. "That's right. But, of course, I can't tpuch the money. It belongs to somebody. In case the owner doesn't turn up, then it will be mine ; but t t will take time . "Six hundred dollars," she said. "That is a fortune." "Not in Wall Street. Think of the millions in gold stored in the vaults of this building," he added, nodding at the Sub-TreasufY. 0"You could swim in it." "Some day you'll have a real fortune," she said. "I hope so. But it seeme. too good to be true," he laughed. "It will be true if-you wear the charm." "If I was sure the charm would help the good work along I'd--" "But you will wear it, won't you?" she asked almost pleadingly. "Sure I've got it on now. I'm going to wear it for your sake." She gave him a look that thrilled him through and


. .,, j A BROKER AT EIGHTEEN. throug h and then a customer stopping before her, Roy walked off to his office. "I w on der if I'm falling in love with that girl?" he asked himse l f as he went along. "I never felt so funny a b out a girl before. There's Will's sister Grace. She's as nic e as they come. I thought she was just the kind of girl that would suit me from the ground floor up, but ever since yesterday she's taken a back seat with me, while Rosie-Pshaw! Wake up, Roy Gilbert; and don't get tomooning over a flower girl1 even if she has the face and t h e disposition of an angel." All day long Roy as messenger boys have to hustle, but if he thought of Rosie onpe he thought of her fifty times, and he also thought a good bit about V. & S which had advanced to 48. He had looked at the lost and found notices of two big dailies, but saw nothing referring to the wallet. Perhaps he was glad that he didn't. Do you blame him? Next morning Roy looked over the papers again, with no better result. That day V. & S. went up another point, and the boy npted that fact with great interest. If he hadn't, Will Church would have called it to his attention any way. 'fhe third morning still showed no advertisement about the wallet, but one of .the papers called attention to V. & S. in a way that told Roy there would surely be something doing in the stock before long "I've a great mind to borrow $500 of that money and put it into V. & S .," he said to himself. "I feel it in my bones that the stock is a winner, and I hate to let such a good chance to make some money, that I need so badly, \slip away He looked at the ticker frequently, and saw that the stock was mounting a fraction at a time, and he grew so restless over the matter that he could hardly sit quiet in the office. Then he recalled what Rosie said about her dream. "Punny she should happen to dream the same thing I dic1. And she saw V & S., too, on one of the bags. What could have put those letters into her head? She knows nothing about Wall Street stocks. Perhaps two brokers spoke about the stock while buying boutonnieres of her. In no other way could she get those initials so pat. The whole thing is very mysterious to me. Something is certainly urging me to buy V & S Is it because I know I can put my hands on the price-or what?" That day V. & S. closed at 49!. Roy saw the figures on the tape.,..., Closing his jaws with a snap, he went straight to the cashier and asked him for the envelope. Half an hour later he entered a little bank in Nassau Street that accepted small commissions to buy current stocks, asked the clerk to buy for his account, on the usual ten per cent. margin, 100 shares of V. & S. at the market next morning when the Exchange opened He handed over five of the six new $100 bills and took his memorandum. "I've crossed the Rubicon and burned my boats behind me. It is now up to Rosie's charm to la:ud me a winner. I believe I'll come out ahead." His belief had an unexpected shock next day, when V. & S. dropped to 48 shortly after the market opened. However, it recovered to 49i before the day's business was over. That day he stopped to exchange a few words with Rosie, and this little attention on _his part seetned to make her very happy. Next day was Saturday, and Roy didn't look for much in his stock, as there was only a two-hour ses sion at the Exchange. Contrary to his expectations, the whole market took a boom, and V. & S went up to 52. At eleven o'clock on Monday an announcement was made in the Exchange that set the' brokers tumbling over one another in an effort to buy V. & S. After a few thousand share s came to the surface the supply seemed to dry up! and then, under spirited bidding, the stock went up to 58 . The rising market brought a crowd of lambs into the Street, as usual. Their money was welcomed with open arms. The hum of business could be heard, as it were, all over the district. Roy watched V. & S. with the eyes of a hawk, and he grew intensely excited as on Tuesday it rose into the 60's, finally closing at 67: Ori Wednesday it rushed to 75. "I'm not going to take any more chances on it," he muttered, all a tremble with the knowledge that he stood to win $2,500 at the present point. Although he scarcely had a moment he could call his own between ten and after three, he managed to take the time necessary o run to the bank and order his 100 shares sold. They were disposed of inside of ten minutes at As soon as hE! felt confident that he was out of it, and saw that V. & S. still held its own, he felt like a boy walking in the clo(lds. During all this time he had in duty bound watched the papers for an advertisement about the lost wallet, but noth ing appeared. That night he decided to take the remaining hundred. dollar bill home to his mother and tell her to use it. When he offered it to her she seemed reluctant to take it. "The owner may yet turn up, my son," she said. "Well, let him. I've just made out of his money in V. & S. stock, so we can safely use any part of the $600 we want." Mrs. Gilbett l<:Jok,ed at her son in surprise and incred ulity. "You have made $2,500 ?" "Yes, mother, I've actually made it. I reckon that charm has worked to the queen's taste. I'm beginning to believe that there is something in those things after all, for this is more than a mere coincidence." He sat down and told her about the rise in the stockhow he had gone into it at 50 and sold out between 75 and 76. "Now you and Jennie can have a new outfit, from shoes to hats, and you shall have $500 more to put in the bank for yourself against a rainy day."


A BROKER AT EIGHTEEN.I Perhaps the three Gilberts were not very happy indeed that night. CHAPTER TV. ROY'S LUCK CONTINUES AND IIE MAKES 1110RE MONEY. Next morning Roy made it a point to stop and tell Rosie about his good luck in the market. She gave him her usual bright smile when he walked up to her. "I've got good news to tell you, Rosie," he said. "I'm glad," she replied, looking at him eagerly. "You remember that I told you a few days ago that I found a wallet with $600 in it?" "Yes," she nodded. "After watching the papers for several days for the owner to advertise for it, and not seeing any such advertisement, I used $500 of the money to buy 100 shares of a certain stock that was going up. Yesterday I sold the stock out at a profit of $25 a share, and I made altogether $2,500. I don't know whether your charm, as you call it, had anything to do with that. It really seems ridiculous to be lieve in such things. People would laugh at you if you were to suggest such a thing. But it's a fact I can't deny that I've had extraordinary good fortune since you gave me the broken half of that ring. I wonder if it will keep up." "You will have luck as long as you wear it," she replied po sitively. "Then I'll wear it, you may be sure of that, supersti tion or no superstition." She smiled. "As I consider you are in some way responsible for my good fortune, I am going to make you a present of $100 as soon as I get my money." -"No no she said. "I couldn't take so much from you." "You've got to take it, Rosie, or I won't like it. You don't want to offend me, do you?" ''Oh, no! no!" she cried earnestly. "Very good. I shouldn't be satisfied unless I shared some of my gooJ luck with you. I know what it is to want money badly. I am sure that $100 will do you and your father a great deal of good, so rll give it to you to-morrow. I hope you won't stop selling flowers right off, for I don't want to lo se you. By the way, where do you live, Rosie?" Shs mentioned a poor section of the lower East Side. Roy wrote the address down in his memorandum book. "I want to" keep track of you in any case," he said. "I may have the chance to help ypu into some bett;r employ ment. Good-b,ve. I've got to run along," and he was off. On his way back he met Will Church. "Vi7bat did I tell you abo11t V. & S. ?" said Will. "It's 78 this morning, a rise of nearly thirty points since I first called your attention to it. See what you and I missed by not having a measly $50 or $100 bill! It is only the rich who get all the good things of life." "It seems to me that the rich get it in the neck some times themselves. Very often, from some cause or another, a great shrinkage in the values of securities takes place. People worth a million on the first of the month find them selves reguced several hundred thousand dollars before the end of it. Then suppose there should be a panic in the Street, such as has been the caec more than once, who arc hit the hardest? vVhy, the people who are wealthy on paper-who are long on supposedly good securities. Whether y ou are rich or poor you are alw$L:VS liable to reverses." "That's all Tighi, b11t those little or no money have a continuous performm:ice oi ltarcl luck, \Yl1ile the rich on1v get it once in a while. GiYc me a bunch of money and I'll take my chances of hard luck." "You'll get your bunc h one of these days," laughed Roy. "Shakespeare wrote that there is a time in all men's lives when the chance is ofiercd them to get on their feet if they happen to be down." "And to get richer if they have something, I suppose." "I suppose so." "If Shakespeare lived in these times. he'd write differ ently." "I believe he hit the mark just the same \Vhen Fortune comes ]mocking at your door you want to be ready to let her in. If you're asleep, shc s not likely to wait for you to wake up. 'rhc tinrns are too strenuous." "It's the ear ly bird that gets the worm, eh?" grinned Will. "Well, so long. I'm going in here." That afternoon Roy got the bank's check representing his first Wall Street winnings. He got six new $100 bills, replaced them in the wallet, put the wallet back in the emelore with his name on it, and asked the cashier to return it to the safe. He put fiye more $100 bills in an cmclo pe to take home to his mother, and then put twenty $5 bills in another en velope on which he wrote Rosie Wood's name. That l eft him $1,800 to dispose of in any way he chose. He banded 'this amount back to the bank and took a certificate of deposit for the sum, as being safer for him to hold than the cash. One morning a wcll -lm own and wealthy broker by the name of White came into the office and asked for Mr. Howland. Roy l'11ew that his employer was in his private room, so he took :M:r. White's name in to him. "Tell him to walk in," said the broker, and Roy showed .the visitor in. \TI1ite "as engaged with Mr. Howland for about ten min utes and then went away Soon afterward the latter c1cp:irL for the Exchange. Bu siness wa s omewhat slack about this time, ancl only a few customers came in and hung around the ticker One of them rut in. an order to buy some shares of a certain stock, and the cashier handed Roy a memorandum to take over to :M:r. Hmvland. He executed the m1ss ion with his customary dispatch, and was on his way back when a broker whom he lmew by s ight, but not by name, caught hiin by the arm. "Was George White, of the Johnston Bui] ding, in your office this morning?" l1c asked, taking a dollar bill from his vest pocket and pressing it into the boy's hand. "What is this for?" aEkcd Roy, looking at the bill. "To pay you for the trouble of answering my question," replied the broker. "Then you'd better take it back, for I haYe a poor mem ory about what happens in our office, and I couldn't really tell you whether Mr. White called there or not."


8 A BROKER .AT EIGHTEEN. 'The broker seemed disappointed with his reply, and looked at him rather hard. "So you don't know whether White was in your place or not this morning?" he said, making no move to take back the money. "I can't give you. any information on the subject, sir," replied Roy, pushing the bill into his hand. "All right," said the broker, pocketing the bill and walking off. "He had some object in asking me that question," mused Roy. "Well, he didn't gain anything by tackling me. A messenger boy has no right to tell what happens in his own office. His question seem'l:!d innocent enough, and I might have answered it if he hadn't brought out that bill. It 1 looked like a bribe. Had I taken it he might have asked me other questions. I guess that question was a bluff, any way. I would be willing to bet that he knows Mr. White was in our office to-day. He thought maybe he could get a line on l\Ir. White's object in calling. I couldn't have told him any way, as I don't lmow myself, and it isn't my business to know." Roy walked into the office building, and two minutes later was seated in his chair by the window waiting for orders. A few minutes after noon Mr. Howland returned from the Exchange. Roy had just got back from an errand to the Mills Build-ing. Presently the broker rang for him, handed him a note for Mr. white, and told him to look sharp. Roy hurried away. He was making for the Johnson Building when he saw his man with a couple of traders just entering a cafe on the other side of the way. He rushed after them. Going into the cafe, he saw Broker White and his two frientl s standing at the far end of the bar. As he approached them he heard White say: I "The pool is complete now. Howland will do the buying for us, and I shall notify him to begin right away. The Manhattan National will--" That's all Roy heard, for White turned around and saw him. "A note for you, Mr. White," 'said the young messenger. White tore it open and read it. Then he scribbled a few words under the other writing, pulled an envelope out of his pocket, sealed the paper in it, and handed it back to Roy. "Take that to Mr. Howland," he said, turning to the bar where three mint juleps were awaiting the three men. Roy got out at once. "So, Mr. \Vhite and some of his friends have formed a pool to boom some stock," said Roy to hin1self. "I must find out what stock l\Ir. Howland is going to buy for them, and then get 'in on the deal myself. The few shares that I can buy won't be noticed in the scramble, and I ought to make a couple of thousand out of the transaction. Noth-ing like having a first-class tip at your back." Several clays passed before Roy found out that his em ployer was buying every sha re of D. & G. that he could get hold of at the market price. Roy soon ascertained that D. & G. was going at 58, antl he had money enough to buy 300 shares on a margin. So he went to the little bank on Nassau Street and handed in his order and his certificate of deposit, receiving back $30 in change. Roy had evidently got in on time to gather the cream, for the price started to rise the next day. Three days later D. & G. was eagerly sought after at 68. It seemed as if every broker in town had orders to fill in the stock, or wanted it himself as a private speculation. "I've struck another winner all right," said Roy to himself. "I'm already $3,000 to the good on paper, and from the present outlook I ought to clear from five to six thou sand I never felt so good in all my life. Mother and Jess will live on Easy Street after this, provided a screw doesn't work loose in my anticipations. Anything that Mr. White backs is a pretty good risk. He and his friends will make a few millions out of this deal, and Mr. Rowland's commissions will be heavy endugh for him to treat' himself and family to a trip to Europe next summer." D. & G. continued to advance, and there was great ex citement in the Exchange over it. Almost every broker was now satisfied a syndicate was booming the shalfes, and they watched its progress like so many hawks above a chicken yard. They wanted to make as much hay as they could out of the rise themselves, but at the same time they kept their attention to the windward for the first indication of a break in the price. Roy had figured it out that he had better sell at 78, but Mr. Rowland's business didn't give him a chance to reach the bahk at all that day. Next morning it opened at 83, but soon afterward it began to go down, and when Roy returned from one of his errands and got a look at tape he found it going at 77, with a downward tendency. He tried to get a few minutes off in order to sell out quick, but couldn't, and for the next two hours he was in a fever of anxiety as to the ultimate fate of his deal. D. & G. went to 75, and then :uecoverecl and advanced more rapidly than it had gone down, for the syndicate had not as yet commenced to unload, the price not having reached the figure ain1ed at. The result was that the stock closed that day at 85 Roy was pleased to death that he had been frightened by a false alarm, and also that circumstances had prevented him from selling He decided, however, that he couldn't afford to hang on any longer, as business was too strenuous, so he managed to get his selling order in to the bank before their broker age department closed. His shares were disposed of next morning at the opening figure, 86 and a fraction, and he got his statement his profits amounted to $8,250. At the first chance he got he told Rosie of his latest stroke of luck. "I'm worth $10,000," he said to her. "What do you think of that?" She expressed her delight at the news. "Now, little girl, I'm going to do something for you. You want to give up selling flowers, take lessons in sten ography and typewriting, and then I'll get you a position


A BROKER AT EIGHTEEN. 9 down here where you can mak'3 good wages. I'll pay all exp e n s e s ancl giYe you $10 a week for you and your father to liYe on. I'll also give you $100 to get some nice clothes for y ourself." Rosie was overwhelmed by his generosity, and seemed lotl1 to accept so much from him, but he insisted, and she finally yielded to his persuasions. For many days after that the brokers missed the pretty little :flower girl from her post, and wondered i she was sick. As she never came back, they soon forgot her; but Roy knew where he could see her any time he wanted to, and he didn't ail to visit her pretty regularly. CHAPTER V. ROY'S FIRST BIG DEAL. After his deal in D & G. Roy persuaded his mother to take a much better flat in a nicer neighborhood. They no 'longer had any fears about how they to meet the rent and the other bills for liYing expenses. The fact that meait and vegetables and fruits were higher had lost its terrors, for Roy was able to provide liberally for the little household. The new neighbors soon found out that Roy was employed in Wall Street, but not for a moment did they imagine that he was the whole support of the family. As Mrs. Gilbert and Jessie now dressed well and tastily, and Roy himself was the pink of neatness and gentility, the people judged that ilfrs. Gilbert had been left money 1y her late husband, and they treated her and her chil dren with considerable respect. And thus it always is. An air of prosperity, even if it's only a bluff, carries great weight, and rounds off many of life's jagged corners. Three months passed away, and Rosie Wood was rapidly becoming expert in the bi+siness Roy had selected for her to follow. The young messenger was continually on the alert for another good opportunity to make his money grow. Nothing happeneu, however, that warranted him taking any chances in the market. Various small booms developed, ran their length and collapsed, but he didn't bite at them because he had noth ing to go on. One day when he was admitted to the private office of a big broker in the Vanderplunk Building, where he had been sent on an important errand by Mr. Howland, he acciden tally saw a cipher dispatch and its translation on the trad er' s desk. There were only a few words on the paper, but it stated that the consolidation of L. & M. with the 0 & 0. was an accompli s hed fact. It also told the broker to buy every share of L. & l\I., which was at a discount, that he could get hold of. Roy had been reading the rumors lately printed in the papers about the contemplated merger, and he knew it would be a good thing for the securities of the small road if the deal went throngh. Everybody in Wall Street knew it, too, and many far seeing people had bought some of the stock on the chance that the thing would be brought about. But the majority of Wall Street speculators fought of the proposition, because there was no certainty of the deal materializing. L & M. shares had advanced several points on genera l principles, but it was sure to go down again if the deal was officially declared off. In fact, most of the outsiders could not even say whether there was any deal on, even, because it was quite possible the rumors might have been set afloat by big holders of L. & M in order to send the stock up a few points so they could unload to advantage. So many schemes are being continually worked i n Wall Street that even the wisest traders have to keep close to the wind in order not to fall into some cute n ets spr ea d to catch the unwary. 'The translation of the cipher telegram was an A l cop pe r fastened tip on the situation, and Roy was q ui ck to perce ive the advantage it would be tb him. In fact, the possibilitiesit opened before him almost took his breath away. He hurried back to the office about as excited a boy as there was at that moment in Wall Street After delivering his return message to Mr Howland, he looked over the previous day's market reports, and saw that L. & M. was selling around 45. "I can buy 2,000 shares if the bank can get them for me," he said to himself. "If the price only goes up five points I'll double my money, and surely it will go higher than that when the confirmation of the deaJ is announced .in the Exchange." As this was a good-sized order he intended to place, he finally decided not to go to the little bank, but to pick out a: big brokerage house in the Street. So be g<>t his mouey, and before three o 'clock walked into Washington, Stark & Co.'s place of business, whose offices ere in the Jason Building, and asked to see Mr Wash ington. He was shown into that gent l eman's private office "Well, what can I do for you, young man?" asked the prosperous-looking trader, twirling his diamond stud d e d watch-charm encrusted with a Maeonic emblem "You can buy for me 2,000 shares of a certain stock, if you wish," replied Roy. "Two thousand shares, eh? What is the name of the stock," said the broker, drawing a pad toward him, "an d do you represent?" "The name of the stock is L. & M., and I represent my se!f." "L. & M., eh?" exclaimed the broker, pricking up h i s ears, for such a big order under the circumstances at pres ent involving L. & l\f: and 0 & 0 naturally excited his attention. "And you represent yourself," with an i n credu lous stare. Mr. Washington immediately jumped to the conclusion ihat some monied man had got a tip that the con solidation had gone through, or was surely going through, and not wishing to be known in the transaction, for reasons best understood by himself, had sent this boy to p u t the deal through. "It will cost you $9,000 for the margin, provided I c an get the stock at the present market figure. I presume y ou have brought a check for that sum, or the cash?"


10 ------"I have the cash," repliec.1 R oy. The broker made the ord e r out in due form and told Roy to sign it. "Now what is your address?" "No. Wall Street, care of George Howland." "Hum! Are you Mr. Ho,\'land s messenger?" "Yes, sir." The broker was now certain that the order came through Howland, who had reasons for sending it out. "You understand that when this stock is ordered sold you will have to sign the order?" "Yes, sir. Who else should sign it?" "That's true," chuckled the broker. "I will notify you as soon as the order has been filled. Am I authorized to pay more for any patt of this block if I find it impossible to fill the order at 45 ?" "I will allow you two points leeway. If I owe you any thing when you have purchased the whole number of share s send a receipt by your for the balance enclo s ed in a sealed envelope with the amount written on the out side, and Mr. Rowland's cashier will pay it if I am out at the time." "Very good," replied Mr. Washington. "You will hear from me to-morrow." "My goodness 1 did not know you had so much. Oh, Roy why did you risk what is a small fortune to us?" "Becau s e I have a sure tip; but I did not consid e r wha t might happ e n b e fore the tip got in its good work. It's always the unexpected that ruins speculators in Wall Stre et. I ought to have known better than to risk everything on a single throw, as it were; but I've done it, so there's no use crying over spilled milk." "Then you think you will lose?" "No, mother, it isn't quite as bad as that, but the result hangs in doubt." Mrs. Gilbert was quite distressed, for she, woman like, imagined the worst would happen. Like a good mother, however, she refrained from saying anything that would make her son feel any worse than he did, and Roy went to bed not as happy as usual. His sleep was visited by dreams that seemed to augur well for his future, and he awoke in lhe morning in better spirits. That clay L. & 111. recovered half a point, closing at 43l As Roy noticed the slight ac.lvance on the tape he felt better. CHAPTER VI. Roy then put on his hat and left .' THE NIGIIT ATTACK. Next morning, about eleven o'clock a was l eft in a sealed envelope at Rowland's for Roy. That evenin g Will Church persuaded Roy to go to a cheap East Sid e t h e at e r with hi.m. There was nothing to pay on it, and the cashier hand e d it to Roy when he came in. "It won t cos t much, and there's a good show there," he s aid. It stated thattWashington, Stark & Co. had secured the 2,000 shares of L. & M. at 45, and held the certificates sub"What kind of a play is it?" asked Roy. "A m e lodrama, chock full of sensations. I've seen four ject to Roy G:ilbert's order. of th e pictures on the billboard s." Mr. Washington also 1,000 shares for himself "I don t car e for cheap melodrama," replied Roy, "but individually, believing that it was a good I'll go to oblige you." That day L. & M. closed at 44, and Roy saw that he was "All right. I'll be around to your house at se;:en o clock." $2,000 out. At the appoint e d time Will called for Roy, and they Neither he nor Mr. Washington worried greatly over the start e d ofl' for the s how together. decline of one point, believing that it would recover in As they were going into the theater Ji.m Crawford and a day oriwo. several of his cronies came up with the price of gallery Next day, however, L. & M. went down another point. seats in their hands. On the third day it went a fraction lower, making Roy Jim saw Roy and Will, and pointed them out to his asso$5,000 to the bad. ciates "If it goes much lower I will certainly be called on to They noted the fact that the two boys entered the house. put up more margin, then where will I be at?" thought "I'd like to get square with that big stuff," he said, in-Roy, becoming quite uneasy in spite of the fact that he dicating Roy. knew his tip was all right. "I.was foolish to put up all my "Why don't yer ?V asked one of his friends. money at first, for it looks as if those on the ins ide ar e de" 'Cause I hain't had a chance," growled Jim. pressing the price in order to buy in at the lowest point. I "What's the matter with the whole of us layin' for him may get caught in the shuffle and wiped out just before afte r the show, and kickin' the stuffin' out of him?" the boom begins. That would surely be awful tough. We "That's a good idea," said Crawford "Will you fellers all learn by experience, but I hate to pay such a big price stick by me?" for mine." "Sure we will," replied his companions. He looked so thoughtful and preoccupied when he got "We ll faller him then up a side street and jump him," home that his mother asked him if anything had gone wrong s aid Jim. "Three of you kin put it over the other chap with him. while me, Burns and Teddy slugs Gilbert." "To 'be candid with you, mother, I'm in on a deal that Then entered the theater, and b e fore the curtain went involves all my money, and I ain't sure how the cat will up they arranged their scheme. jump. Just at present I'm on the ragged edge. I stand The show was over a few minutes after eleven, and Roy to go broke or win big money." and Will came out with the crowd. "How much have you at stake?" They walked up a nearby side street to get a Madison "Nine thousand dollars." Avenue car, which would take them near their homes.


A BROKER AT EIGHTEEN. 11 They took no notice of half dozen boys who came on after them, until the yo1mg rascals, after getting close to them, made a sudden rush. They were taken entirely by surprise, and were bowled over like a pair o.f tenpins before they knew where they were. As Crawford and two o.f his gang piled on top of Roy, ancl the other three attended to Will, Gilbert, alive to the situa tion, grabbed one of the boys in such a way that he couldn't use his arms and held him as a buffer against the other two. The young rascal received a couple of heavy punches and a kick before his predicament was discovered by the others, who then found that it was necessary to release their companion before they could get in their work on the cbie.f victim. Their efforts to do this enabled Roy to suddenly slip out from under the fellow he had hold of, and before they were ready to pile on to him again he had scrambled to his feet. "So this is your work, cried Gilbert recog nizing his Wall Street enemy. "I knew you were too cowardly to tackle me alone." "Go for him, fellers !" yelled Jim, taking care not to be the first to come within reach of Roy's fists. There was a rush, and one of the lads received a straight blow from Gilbert that sent him staggering away. Then Gilbert had all he could do to defend against Crawford and the other. By this time Will Church had been ]mocked out bv the three that had set upon him, and he lay, dazed and helpless, on the sidewalk, with one of the young touO'hs seated astride of his chest. 0 The other two went to Crawford's assistance, and that made the odds altogether too much for Rov who would have been seriously battered but for the of a police man on the scene. The boy seated on Church caught sight of the approachmg officer, jumped off his prisoner, gave the alarm, and fled down the street. The others immediately broke away from Roy and. lost no time in following their companion. Gilbert made a grab for Crawford, but missed him. Determined not to lose him, he ,rushed after him. Roy was fleet of foot, but so was his enemy, from Jong practice in the :financial di trict: The policeman stopped to pick up Will and inquire into the trouble. Roy, however, never thought of stopping untiJ he could catC1h Crawford, who he was determined should spend the night in a cell. The rest of the toughs were scattered way in advance along 109th Street, with the young messenger close on the heels of Crawford. In that order they crossed Lexington A venue, the whole bunch making down toward the river. Although the policeman was now out of sight, the boys kept on running until they had passed Third A venue, at which point Roy's superior endurance enabled him to over take Crawford. Jim now had to defend himself, and was soon being vig orously pummelled by the young messenger, whose blood was boiling over the outrage that had been perpetrated ou Will and himseH. Finally Crawford broke away and started to run again, but only succeeded in getting half way down the block before a well-directed blow from Roy stretched him out on the stones of the street. At this point three o.f the toughs, having recovered from their scare, came back to Jim's assistance, and Gilbert found himself in a hornet's nest again. He was a thoroughly game boy, however, and trained in the use of his fists, and he made warm work for the C!'OWd. One of them brought matters to a conclusion by firing a at Roy which knocked him unconscious. 1'hen the gang gathered about the fallen boy and looked at him. "He's a scrapper, all right," remarked one of them, wip ing the blood from his nose that was swollen from a punch he had received. ""He's down and out now, and taken de count," g;rinned another. "What'll we do with him? Leave him in the street?" "Carry him to the sidewalk. He might git run oYer by a milk waggin." "Dat wouldn't be our funeral," replied one of his com panions. At this juncture Crawford came up, and seeing Roy helpless, was about to kick him in the ribs when he was stopped. "Wot's de use of kickin' a feller when he's down an' out of his nut?" said the youth who had prevented him from executing the cowardly act. "I've got to get square with him," snarled Crawford. "Yer square now, ain't yer?" "No, I aint." "Wot kin yer do ? We'll leave him on de sidewalk an,d mosev." "I{e'll have me pulled in to-morrer. I'd like to finish him for good." "Wot kin he do to yer? Yer kin swear tlat yer wasn't ter blame for nothin'." "I'll get ten days, ., or maybe a month on the i land, and my job,'' said Jim sourly. "Yer'll git worse dln dat if yer try to do him any more." "If I could keep him away from Wall Street two or three days it might help me 011t." "How could it? He kin have yer pulled any time." "I tell yer wot yer kin do," said one of the crowd. "There's an old canalboat on the water front. We kin carry him clown and put him in the hold. Then yer kin bulldose him into agreein' to let yer off if he's let go." This plan was decided on, so the gang got hold of the insensible messenger and carried him to the river and aboard the abandoned craft in question. They placed him in one of the wooden bunks which held the remains of an old straw mattress, after taking the pre caution to tie the prisoner's hands, and then they went on deck to wait for him to recover his senses. A policeman coming along at that moment, spied them and chased them ashore and up an adjacent street. \Vhile they were away two hard-looking men with bun dles slouched aboard tlfo boat and descended into the cabin.


A BROKER AT EIGHTEEN They did not notice the presence of Roy, because he was hidden by the side of the bunk and the tattered remains of a green baize curtain hanging in front. He was just coming to a realization of his surroundings when one of the men lighted a piece of candle, stuck it with melted tallow on the top of a small box, and then the vil lainous-looking pair started to sort over the contents of their bundles. Roy was naturally surprised to find himself with his hands tied in such a place, for he had no recollection of having been brought there. 1 His last remembrance was receiving a stunning blow on the side of the head, after which all was a blank to him. Hearing men's voices, and seeing the dull glimmer of a light near at hand, he peered over the side of the bunk and saw what was going on. "Those chaps fre evidently thieves," he said to himself, "and they seem to be examining their plunder. It doesn't look as if they knew I was here." In spite of his aching head, and. the peculiar situation he was in, the boy watched the two rascals with some in terest. CHAPTER VII. Roy's SMARTNESS WINS HIM A THOUSAND DOLLARS. "We ain't done so bad, considerin' we had to skip-in a hurry," said one of the chaps. "I've got some jooelry here that ought to fetch a couple hundred plunks. I'll bet it's worth a thousand cases, but you know what old Moe is? He won't give any more than a fifth of the value, the old shark." "I've g?t a diamond necklace probably a small fortm. We'll have to break it up and sell the bril liants separate, and the settin' for what it'll bring. These silver ornaments kin go to Moe if he's willin' to cough up fair value; but it's like drawin' a tooth to get him to part with the dough." At that moment a movement on Roy's pa:rt caused one of his hands to slip out of the noose that held and he found his arms unexpectedly freed. That was a great relief and to him, for he would now be able to defend himself if discovered '11nd at tacked by the two thieves. The rascals retied their bundles, and getting out their pipes began to smoke. They had hardly taken more tlian a couple of whiffs when Jim Crawford and his gang returned to the boat. The sound of their footsteps on the deck caused the thieves to jump up and grab their bundles. Down the half dozen steps came the boys, helter skelter. only to stop in surprise on seeing that the cabin was in possession of a pair of rough strangers who clearly resented their intrusion. "Get out of here!" roared one of the crook-s, making a threatening motion. The boys fell back, but did not leave the cabin . The men dropped their bundles and made a dash at them. The boys scurried up the steps, but hung around the opening above. Their persistence enraged the thieves. "We ll have to chase 'em ashore, Bill," said the man who had spoken before. They immediately started up the ladder, breathing threats against the intruders, who at once took to their heels as far as the shore line. The crooks, believing that the boys we.re bent on annoy ing them, jumped ash0re and chased them across the street. While this was going on, Roy, with an eye to his escape, got out of the bunk, and seeing an opening into the hold, started to get through it. Then it occurred to him to take charge of the two bun dles of plunder. He grabbed them, up and retired into the hold, the hatch of whfoh was off, and through which he could see the sky. Then he began to understand what kind of a craft he was aboard of. Looking around for a place to hide, he discovered a small gaping hole in the side of the' canalboat, just above what would have been the water-line if the craft was afloat. Looking out, he saw the river, dark and silent, under the night sky. The old boat was stranded on a line of black rocks now uncovered by the low tide. Above him the cross street came to an abrupt termina tion. Beyond were a succession of good-sized brick buildings, rising several stories above the street-level, with many windows overlooking the water, and farther on the opening of another street, extended by a small wharf, and other buildings further on. He saw that a precarious pathway could be had over the rocks toward the wharf, and he determined to trust him. \ Making his way through the hole he was soon on the rocks, in the shadow cast by the first tall building. Then he commenced his dangerous walk, conscious that a misstep would probably precipitate him into the river. He looked back after he had proceeded a hundred yards, and saw the two thieves stepping back on the canalboat. "They'll miss their bundles as soon as they return to the cabin," he breathed. "I wonder if they'll be able to see me walking along here? I'd hurry if I dared, but it's too slip pery. If they get on to me they'll be able to run along the street above and cut me off when I reach the wharf." The possibility of such a thing was not encouraging to Roy, but he did not see how he could make any change in his route. Looking back again, he saw that the thieves had disap peared, but he also saw that the Crawford gang had re turned to the edge of the street and were looking down at the canalboat. Roy continued his cautious retreat with the valuable bundles tightly grasped in his hands. The next time he cast a backward look the boys appeared to be 'throwing stones at the entrance to the cabin. Having accomplished more than half the distance to the wharf, Roy began to feel that the chances were now in his favor. No one could have detected hi.J:ru. from the deck of the


A BROKER AT EIGHTEEN. 13 canalboat on account of the dark background along which '!'hen Roy astonished her with the s tateme::it tt.::.t he had he was traveling. the stolen property in the house. He imagined that he could be seen because he could see Of course she wanted to know all the particulars of such the canalboat so clearly himself. an astonishing circumstance. However, he kept steadily onward and soon reached the Roy had no time to tell her, as he said he was going to wharf, which was deserted at that hour. carry the stolen articles to their owners before he went Throwing the bundles on to it, he shinned up a spile, and down town to business after looking cautiously about, took charge of them again. He wrapped them up in a pasteboard box, and started "If I could only meet a policeman now, I would turn 1 for the house where the robbery had been committed. this stuff over to him and put him on to the thieves," he On his way he stopped at Will's flat and told the janitor said to himself. to tell his friend that he had got home a:ll right the night But, as usual, when an officer is wanted there was none before, but not to wait for him that morning at the subway in sight. station, as he had business on hand which might detain So Roy crossed the street facing the river, and started up him uptown for awhile. the cross street. Then he took a car down Madison Avenue, and reaching Not a soul crossed his path till he reached Third Avethe house, rang the bell, and asked to see Mr. Robert Cald nue, and then he met several men geing north along that well, wnich was the name he had seen in the paper. thoroughfare. Upon explaining that his visit had connection with the He kept on, wondering whether Will Church was searchrobbery he was immediately shown into the parlor, and the ing for him. gentleman, who happened to be at breakfast, came upstairs He felt sure that Will wouldn't go home and leave him to see him right away. in the lurch. Mr. Caldwell, a lawyer by profession, was a fine-looking If he had had any idea where the nearest police station man of perhaps sixty was situated he would have directed his steps there without Roy introduced himself, stating that he worked for the loss of a moment. George Howland, a W aJl Street stock broker. He didn't know, however, and after leaving Third Avenue He then told the story of his the night 1'ehe didn't meet anybody on the street, nor could he see an fore, and concluded by saying that he believed the plunder open saloon in sight. ( he had taken possession of was the property stolen from When he came to Lexington A venue he turned up that that house the night before by the two thieves he had en street for several blocks with no better success. countered on the canalboat, for it corresponded with the Finally he went on to Madison A venue, and reached that description of the stolen articles printed in that morn street just as a northbound car came along, which he boarding's paper. ed for home. Mr. Caldwell was very much astonished at Roy's narraWhen he got home he found his mother waiting up in a tive, and glancing at the bundle the boy held on his knee, state of great anxiety. asked him if he had brought the property with him. He found that she would not be satisfied until he told "Yes, sir. Perhaps you had better describe the articles his story, and so he told her all that had happened to him before I show them. Or perhaps if you describe one of and Will, and what had occurred afterward to himself. them, the most important, for instance, accurately, it will Naturally it was not pleasant news for her to hear answer the same purpose." Then he astonished her with the contents of the bun"Very well,'' replied the lawyer with a smile. "The dles, which contained a glittering collection of rich jewelry most important article stolen was a diamond necklace, and a number of valuable silver and gold trinkets worth $2,500, belonging to my wife." "I've done somebody a good service to-night, at any rate," His description of it satisfied Roy that there was no he said. "There must be several thousand dollars' worth mistaking the fact that it belonged to him, so he displayed of plunder here. I'll turn it over to the police in the morn the entire contents of the box, and the gentleman identified ":g" them all as property belonging to either himself or memAs it was nearly two o'clock by that time, mother and hers of his family. son went to bed, and Roy slept like a top till his sister called Mr. Caldwell expressed the gratification he felt in get him to breakfast. ting his property back, the value of which in round numThe morning paper had come. hers was about $5,000. Eager to see if there was anything in it about the :;.-obHe complimented Roy on his cleverness in securing the bcry in question, he opened it out and scanned the news. rascals' plunder right under their noses, as it were, and On the first page was a story of the robbery of a private said that as he had intended to offer $1,000 reward to stimhouse on Madison Avenue. ulate the efforts of the detectives, it would give him great It contained a description of the chief articles stolen, pleasure to pay the same amount to him. and Roy had no difficulty in connecting the articles in his Roy said that he had not brought the property back possession with the stolen property. with any expectation of getting a reward. "Mother, here's the story of the robbery in the morning "Nevertheless, it will come in very useful for a young paper. Read it for yourself while I eat my breakfast." man of your age just starting out in life," smiled the lawTheir evident interest in the matter aroused Jennie's cuyer riosity, and she listened eagerly as her mother read the He excused himself a moment, and presently returned with his check for $1,000, made out to Roy's order


. A BROKER AT EIGHTEEN. The young messenger accepted it with thanks, and then took his leave, well satisfied with the results of the previous night's strenuous experience. CHAPTER VIII. ROY WINS BIG MONEY IN L. & M. Will Church didn't meet Roy until after the early after noon editions of the papers were .out containing the ac count of the recovering of the property stolen from Mr. Caldwell s house, and Roy's connection with the affair, Will read the story with the most profound astonish ment, and looked eagerly forward to the moment when he and Roy would come together after business hours. In the meantime Roy was kept pretty well on the move for the greater part of the day, for business was picking up in the Street. He did not fail to keep an eye on the ticker whenever the chance offered, and was delighted to see that L. & M. not only held its own, but went up to 44 before the close of the market. \Yhen he started for home he found Will waiting for him

A BROKER AT EIGHTEEN. 1 5 and they set her well-rounded figure oiI to perfection, and added to the charm of her winning face. On their way to Exchange Place half the men, brokers and clerks alike, turned around to admire the girl, little thinking that this was Rosie the flower girl of a few months past. The messenger boys who knew Roy grinned to see him in the company of such a charming girl, and wondered how he had got acquainted with her. They reached the meeting spot a few minutes ahead of Will and his sister. Roy's chum was clearly surprised by the improvement in Rosie's personal appearance, and could hardly believe that she was really the flower girl he had passed so often in front of the Treasury Building. Roy introduced Rosie to Grace Church, and then the four started for the Beaver Street restaurant selected by Gilbert. He ordered the best lunch the house could produce, and in due time it was set before them. Both girls attracted considerable attention in the well filled dining-room, the principal customers of the place being the better class of brokers' and merchants' clerks of the district. Miss Church hadn't seen Roy for nearly a week, and sh e took the present opportunity to congratulate him on having made the thousand dollars the night he went to the theater with her brother "You're a very fortunate boy," she said "I wish Will had a chance to make even half of a thousand dollars." "Well, I think I was fortunate to get out of a tight box, let alone making the thousand dollars. There were five young toughs going fbr me, after Will was knocked out, and if that policeman hadn't turned up just when he did I should have had two black eyes and other inju ries to nurse next without even the thousand dollars to act as a soothing balm. It was because I chased an enemy of mine, who was the cause of' the trouble, down the street, that I got irf line with that money, and at the same time saved several thousand dollars' worth of valu able property to the gentleman who afterward rewarded me so generously." "I hope you will be careful of your money, now that you have such a comfortable sum, and not get into any reckless habits This seems to be an expensive lunch you are treating us to. You mustn't make ducks ancl drakes with your money if you expect to make it last If I was your sister, I'd insist that you put it in the savings bank." "Oh, I don't expect to give lunches every day, Miss Grace," laughed Roy. "But when I invite two such pretty girls out to eat, as yourself and Miss Wood, I consider that there is nothing too good for you "Thank you for the compliment, Mr. Gilbert. I have no doubt but that Miss Wood appreciates it as much as I do," laughed Grace, with a glance at Rosie. Rosie smiled and then looked blushingly at Roy She was a much quieter girl than Grace, and had little to say under circumstances that were so new to her, but for all that her very reserve made her twice as charming in Gilbert's eyes, who, if he hadn't been before, was now head over heels in love with her, and Grace's sharp eyes easily read Rosics feelings for Roy, which she could not wholly conceal. The lunch was a great success. After it was over they walked up together as far as the Brooklyn Bridge subway station, where they parted, Roy taking Rosie home to the East Side, while Will and his sister took the subway for home. On Monday morning the news of the merger leaked out, and though not officially confirmed, the bidding for L. & M:. shares became so spirited that the price began to go up rapidly. At noon it reached 49, and a few minutes afterward the report was publicly announced by the chairman of the Exchange. Then there was a rush in earnest for the stock, which ran up to 55 in short order Roy heard about the confirmation in a broker's office where he had carried a note from Mr. Howland, and he could hardly maintain his customary composure. He was sent to the Exchange soon afterward and found the floor in a pandemonium of excitement over the stock Before he left it was going at 58. 'l'hat day it closell at 62. Next morning it opened at a fraction above 64, and w a s rushed to 78 during the day. As this waa not an ordinary pool game, Roy apprehended nothing in the shap ; of actual disaster to his interests The stock might go down as soon as it became topheuvy, or adjusted itself to proper conditions, but not very far, for it had now become a gilt-edged security, and was bound to remain at its proper value. The question remained to be decided what was the stock really worth now that C. & 0. was in control of the road. The continued for several days more, during which Roy figured tlie matter out as best he could. He finally sold at 75f, and when Washington, Stark & Co. rendered their statement to him he found he had !fiade $60, 750. Altogether he was now worth nearly $72,000. CHAPTER IX. ROY DECIDES TO GO IN BUSINESS FOR HIMSELF. Jim Crawford didn't come back to the A. D. T. messen ger office, and his job was given to another boy. It was evident that he feared arrest for inciting and participating in the assault on Roy and Will, and he kept pretty shady for a week or two in his own favorite haunts uptown. Roy made no special effort to have him arrested outs ide of Wall Street, so as long as he kept away from the dis trict he was comparatively safe The check that Roy got from Washington, Stark '& Co. was on the Manhattan National Bank, and called for $69,754. That was the bank where the young messenger carried the day's deposits of the office every day, consequently he was well known to both the receiving teller and the cash ier, and by sight to the paying teller. He carried check to the cashier and asked for the money 'l'he cashier looked at it and then at Roy.


16 ..J.. BROKER AT EIGHTEEN. "How do you want it?" asked i.hat gen t leman "I want sixty-nine $1,000 bills, one $500, and the rest in tens, except the four dollars, of course." The cashier did not for a moment suppose that the money belonged to Roy. He judged that it was the result of some deal between Mr. Howland and Washington, Stark & Co. He did wonder, however, why it was not turned in by the broker in his day's deposits, with his own and Roy's indorsements. In order to be on the safe side, he telephoned Mr. How land about the matter. That broker replied in a tone of surprise that he had not sent Gilbert to the bank to cash any check at all, and did not understand how his messenger could have a check from Washington, & Co., with whom he had never done any business. He advised the bank to communicate with Washington, Stark & Co., though he said he did not suspect Gilbert of being connected with anything that wasn t straight. At the same time he wrote a note to that firm and sent it over by his head hpokkeeper. Washington, Stark & Co. replied to the bank cashier that the check was all right, and he should pay the money to the boy without question. The cashier then brought the cash to Roy, who went away with it. He decided that the best thing he could do was to rent a saie deposit box for a year and place the money in it, and he did. In the meantime Mr. Rowland's bookkeeper found out all about Roy's deal in L. & M. from Mr. Washington, who was much surprised to learn that the transaction had not after all come from Howland, and on his return he told the broker all he had found out, which information sur prised and mystified the trader. When Roy returned to the office, Mr. Howland called him into his room and asked him for an explanation of the matter. "Well, sir, that check is the result of a deal I made in L. & U.," replied Roy. "I know all about that, but how came you to speculate in nhe market, and where did you get the $9,000 that you put up with Mr. Washington?" "I'll answer your last question first, as being the more important of the two," answered the young mes senger. So he told Mr. Howland about his finding the wallet with $600 in it, and how, having got hold of a tip on V. & S., he had invested $500 of the money on the strength o.f it. "I cleared $2,500 on that transaction, and with the g r e ater part of that money I subsequently made $8,250 011t of another deal in D. & G. That gave me a capital of $10 000, and the original $600 is still in your office safe awaiting a claimant." "You seem to have had extraordinary luck, young man," Ell id the broker dryly. "So that is how you got your money to put up on L. '& M. ?" "Yes, sir." "I am informed that you bought 2,000 shares of that Etock many days before the Street' had any reliable information about the merger. Perhaps you'll tell me how you came to risk nearly every cent you had on such an uncertainty." "Oh, I found out that the consolidation was going through, or rather had gone through." "You found that out!" exclaimed his employer, in great astonishment. "Pray, how? Scarcely a broker in the Street had any definite knowledge of the fact before the anneuncement was made in the Exchange, nearly a week later." "I would prefer not to answer that question, sir/' replied Roy respectfully. Mr. Howland regarded him fixedly. "It appears that you have made over $60,000 on your deal," he said. "Yes, sir." "Why did you go to Mr. Washington to put your trans action through? Why couldn't you have come to me, stated the matter frankly, and asked me to do it for you? I should have done it in exchange for the advantage your tip would have afforded me." "Well, sir, I might have done that, it is true, but I didn't think you would have approved of me making the speculation. Besides, I could not have satisfied you as to the absolute reliability of my tip. I knew what it was myself, but I could not expect to make another like your self see it in the same light." "Your explanation, I think, would have thrown suffi cient light on the subject for my judgment to have de cided the question." "That's just the trouble, sir. I wouldn't have felt able to offer you the explanation any more than I do now, after the whole thing is over." Mr. Howland looked annoyed. "What are you going to do with all that money?" he asked rather sharply. "Do you expect to keep on specu lating?" "I suppose if I run across another good thing I shall take advantage of it." "It's my opinion, Roy, that your usefulness as a mes senger is nearly over. You have been inoculated with the Wall Street fever, and one of two things is lik e ly fo happen-either you will neglect your duties in your en deavors to make money on the outside, or by attending strictly to your duties you will speculate under a severe handicap. It is dangerous enough to engage in specula tion when you are able to give your whole time to it, but to do as I can s ,ee you contemplate doing it is simply a suicidal policy, financially considered. My advice to you is to quit the market now that you are ahead of the game, invest your money in good securities, and take a desk in my counting-room." "I thank you for your good advice, sir, b1;1t I have al ready decided to resign and go into business for myself." Mr. Howland gasped. "Go into business for yourself!" he cried. "What business? Not in Wall Street?" "Yes, sir, in Wall Street." "Upon my word, your nerve is something colossal!" "Well, sir, it takes good nerve to succeed down here," replied Roy. "And do you expect to succeed?" I


A BROKER AT EIGHTEEN. l'r "I hope to, otherwise I wouldn't think of branching out." "You may have heard the expression, 'That fools rush in where angels fear to tread It seems to fit your case exactly. You will learn through dear experience that you are merely an infant you think yourself a man. I shall give you anywhere from three to six months to lose your $60,000. In fact, I shall not be surprised to learn that you have been cleaned out a fortnight." "I hope you may be mistaken. in your opinion, sir." "I hope I may, too, for your sake, but the result seems too certain for me to have any doubts as to the ultimate end of your ambitious views. When do you expect to resign?" "At the end of the month, if that suits you." "Very well," and that ended the interview. Sixteen days later Roy severed his connection with Mr. Howland. "What!" exclaimed Will Church, when they met at one o'clock that Saturday. "You have left Mr. Howland?" Roy nodded. "What was the trouble?" asked his amazed chum. "No trouble at all." "Th(:ln why did you leave?" "Because I'm going in business for myself." "You're going to do what?" "Going in business for myself. Didn't I say it plain enough?" "You never gave me a hint that you expected to l eave Wall Street." "I'm not going to leave Wall Street "What kind of business are you going in?" "Do you mean to say you're go mg to become a broker?" gasped Will incredulously. "That's exactly what I mean to say." "Well, I admire your gall." "You're the second person that's made a remark to the same effect." "Who was the other?" "Mr. Howland." "I don't wonder. I'm only surprised he didn't fall in a fit when you told him." "It isn't the first surprise he's had in his life." "Where's your capital coming from? Are you going to start on that thousand you got from Lawyer Caldwell?" "No. That wouldn't more than pay a month's rent and furnish a small office." "I believe you. Did you strike an angel, as they call them in the theatrical business?" "No. I'm my own backer." "I don't see what you've got but your nerve." "That's because you don't know anything about my business." Will stared at him. "I didn't know that we had any important secrets from each other." "You'll grow wiser as you get older." "You're a puzzle to me. So you're going to be a broker? When do you start in?" "I'm going to hire an office Monday, if I can find one to suit me." "A single room or a suite?" chuckled Will "A suite of two. One large one for myself, and a small one adjoining for-guess who:" "I'll never guess who. I'm not a good hand at solving conundrums." "Rosie Wood." "Are you to have a stenographer right off the reel?" "No. She's going in business for herself as a public stenographer." "There's some sense in that--she's sure to get business; but as for yourself, I don't know how you expect to do anything, even if you get a customer. You'd have to pay brokers' commissions the same as an outsider." "I've got an arrangement to divide commissions with a house that holds a seat in the Exchange." "Oh, you have! Going to hire a bookkeeper?" with a grin "No. I'll be able to keep my own books at the start." "How abo:ut an office boy? Going to be your own mes aenger ?" "No. Pve got one engaged. He's small and inexperi enced, but he'll learn in time "What will he learn? How to warm the seat of the office chair?" "Don't be funny, Will As soon as I get started I want you and your sister to give me a call, just for luck, you know." "Oh, we'll call, if only to see what kind of a sheep-shear ing den you have." "Thanks. This is our station. Let's get out," and they did. CHAPTER X. A. STARTLING OCCURRENCE. "Any offices in this building for rent?" asked Roy o n Monday morning of the head janitor of the Atlas Building on Wall Street. "Yes. There's one on the fourth floor that's just been given up by a broker who came here f.rom Chicago, and who is going back again. Who wants it?" "I do." "You Who do you ?" "Myself." now, you're joking." "I never joke on business matters." "We don't rent offices to minors." "Not if they furnish references?" "What do you want the. office for?" "Business." "What kind of business?" "Stocks." "This isn't a kindergarten for boy brokers," laughea the janitor. 1'Will you show me the office that is for rent?" "It's hardly worth while taking that trouble." Roy flashed a dollar bill under his nose. "That will pay you, won't it?" "I don't want to rob you." "Don't you worry about that. This isn't the only one I've got


ts A BROKER AT EIGHTEEN. The janitor looked at the bill and then at Gilbert. He saw that the boy looked as though he might be worth money. :As he didn't usually let a dollar, or any other sum of money get away from him, he took Roy up to the fourth floor and showed him the office. "The tenant hasn't moved his furniture out yet, I see," said Roy. "He wants to sell it to the next tenant, if he can." "What does he want for it?" The janitor mentioned a moderate sum. "I'll take it if I can have the office." As the janitor had figured on a good commission for dis posing of the office furniture and fixtures, ha was inclined to favor Gilbert, "Can you furnish a guara!ltee that the rent will be paiCJ, to next May?" he asked. "I'll pay the whole sum in advance," said Roy, who was satisfied with the price asked, "if I'm allowed a pro rata interest on the money." "I'll take you down stairs and introduce you to the agent. If you can fix up the matter with him call and 1 see me, and you can have the furniture as it stands." "All right," replied. Gilbert, and they went down to the ground floor. The agent was not at first disposed to rent the office to E.oy, but finally agreed to do so on his ful'Ilishing sat isfactory reference and a guarantee that the rent would be paid promptly on the first of each month. Roy gave Mr. Howland as reference and then went to look up a guarantor for the rent. He called on Lawyer Caldwell, who appeared glad to see him, told him how he was fixed financially, what he expected to do, and what he wanted him to do for him. The lawyer was surprised that he was going to open up as a broker at his age, but readily agreed to become security for a matter of eight months' rent. With Mr. Caldwell's letter in his pocket he returned to the Atlas Building. The agent read the letter and said he was satisfied. He put it in his safe and then handed Roy a receipt for the first month's rent. Gilbert hunted up the janitor, paid him for the furni ture, and hurried away to find a painter to put his name and Rosie's on the glass pane of the door. Before he left Wall Street that afternoon to notify Rosie to come to her new office in the morning the following legend took the place of the Chicago man's sign l ROY GILBERT, BROKER. MISS ROSIE WOOD, STENOG:&APHER AND TYPEWRITER. "That looks like business,'1 he said to himself, as he contemplated the neat gilt letters. "The next thing will be to scare up business. I guess I'm the youngest broker in the Street. I'm just eighteen years and a half old. Well, it's the young man who is coming to the front these There's lots of us, and we're going to let the world lalow that we're alive." Thus speaking, Roy tu.med his back on the sign arn1 left the building, feeling as important as any tenant in the big structure. He went straight to Rosie's hurrtble little home, where she lived and tended house for her old and nearly blind father. Old Wood was always glad to see the bright l)oy who had done so much for his little girl, and it is needless to say that Rosie never failed \o give Roy a warm welcome, for he had become more to her than anything else in the world except her helpless father, for whom she had the tenderest affection. "Well, Rosie," said Roy, "I've got my office, with a small adjoining one for you that the former tenant used for his private sanctum, and you can come down in the morn ing. I bought the furniture and fixings, just as they stood, and all I had to have done was to get a painter to put our names-yours and ,mine-on the door in gilt letters, Ev erything is now ready for business, and I want you to come and get acquainted with your quarters right away." "What time shall I come down?" "Ten o'clock will be tin1e enough. when you get plenty of work to do you will have to get down at nine. I'll order some business cards printed to-morrow with your name, business, and address on them." "You're very good to me, Roy," she said, looking at him with shining eyes. "How can I ever repay you?" "That will be for you to say when I bring my bill in one of these days." "I'll try to pay you back, if I have t.o work for years," she said earnestly. "You, will never pay me in money, for I wouldn't take it that way." "How else can I pay you?" she asked wonderingly. "You'll have to study that out for yo11Tself." "I'm afraid I'm not bright enough to be able to do that" "Don't run yourself down, for I won't stand for that." She smiled archly at hinl. He caught her around the waist and d1:ew her toward him. "Do you want to know how you can settle my bill when I present it?" She seemed instinctively to know what he was going to say, and she turned with a rosy blush suffusing her face and neck. "You don't answer, Rosie," he said. As he attempted to raise her face to his, she suddenly buried it on his shoulder. "Do you love me, Rosie ?" He drew her quite close to him and rile made no resistance. "Is it yes or no?" he asked, quite certain what her answer would be. "Yes," she brea thed softly. Then he raised her lips t9 his and her. At that moment both seemed to be supremely happy. Shortly after he gave her the number of their offices in the Atlas Building, telling her to get out of the ele vator on the fourth floor. Then it was time for him to go home, and he left. Rosie was delighted with the offices when she came down


A BROKER AT EIGHTEEN. 19 next morning, and was particularly pleased with her own little den. Then her name on the door attracted her like a new toy does a child. After remaining an hour she went home, there beiug nothing for her to do. In fact, she did not even have a machine yet, but Roy bought her one of the best that afternoon and arranged to have it delivered next day. The young broker put a st11nding card in the more im portant financial journals stating that he was prepared to buy and sell stocks on commission, in all kinds of investment securities. It wasn't long before it got to be talked about in Wall Street that there was a boy broker in the Atlas Build ing. This report a good deal of curiosity among the traders. They wanted to know who the boy was, what had brought him into the Street, and whether he had a wad of any size or not. The latter point a number of the 'brokers, who were not over particular how they made money so long as it came their way, and they kept within the pale of the law. The Chicago man had been bleached out of $40,000 by traders of this stamp, and they were looking around for a fresh subject on which to operate. A boy with money might be considered a regular cinch, and several of these foxy brokers began to sharpen up theil' shears in anticipation of clipping a little of Roy's wool, or, in other words, his mop.ey. As a preliminary to their operations, they proceeded to make his acquaintance. They dropped in singly and in pairs, ostensibly to in quire where the Chicago man had gone to, but really to establish a footing with Gilbert and to satisfy their curios ity a,s to whether the game was worth the candle. Roy, however, hadn't been three years in Wall Street without learning a heap about brokers in general and cer tain ones in particular. He knew that reputable trader1> wouldn't bother them selves about him, or if they had any reason for calling they would have something better to do than to waste their time jollying him. So he distrusted the advances of hi!> calleis, and soon found they had unmarketable securities and undesirable sto _ck to unload on him if he would only bite, Roy wouldn't even nibble at such bait, and many of his visitors discontinued their calls in disgust. There were two or three, however, who were not dis courageq, and they persisted, hoping to land him in the end. About noon on the first Saturday of Eoy's el'.perience as a broker he got his first customer, a farmet named Parker, from Quogue, L. I., who had been attracted by his adver tisement in the Wall Street Argus. Roy was dictating a letter to Rosie when he came in, and the undersized office boy took the yisitor'i; name over to the young broker's desk. As soon as Gilbert was at li]Jerty he his caller what he coulcl do for him. Farmer Parker said he wanted to buy 100 shares of a certain stock then going up, and had brought the money to put up on margin, viz., $1,000. The transaction was soon put through, and the Long Island. man departed with his memorandum. "Nothing like making a beginning, even if it is about closing time on Saturday," said Roy to himself, as he con templated the money on his desk. He got a satchel to take it fa the safe deposit vaults over Sunday, and was about to stow the bills in it when the door opened, and in walked Will and Grace Church. They advanced to greet the boy broker when, without the least warning, 'they, as well as the occupants of the office, were treated to a sudden shock. Crash! A heavy missile struck the office window, wrecking the pane. The startled Roy sprang from his chair amid a shower of splintered glass. Will Church and his sister started back in tion, while the office boy looked thoi:oughly frightened. Gilbert's first impulse was to look through the broken pane, across the well which admitted light and air to the offices in that part of the building, in order to ascertain the cause of the trouble. He was just in time to catch a fleeting glimpse of the grinning and malicious countenance of Jim Crawford as that young rascal fled from an open window in a corri dor on the opposite side of the opening. CHAPTER XL .A. SKIN G-.A.ME. Roy, hardly noticing Will and his sister, darted for the door leading out in the corridor, and ran around into the adjoining corridor which led to the place where he had seen Crawford, intent upon catching that young rascal. When he reached the spot there was no sign anywhere o:f the former A. D. T. messenger. Roy hunted around and found a rear stairway, down which he sprang as rapidly as possible until he struck the entrance facing on the other street. There were a dozen places along the block where Craw ford might be hiding, and Eoy, after looking up 11nd down the narrow thoroughfare, decided that there was little chance o:f his catching his young enemy at pres1mt. "I'll pickle you yet, you little l'ascal I" the young broker breathed, as he turned away to find the janitor and notify liim of the damage that had been done to one o:f his win-dows. vVhen he got back-. to his office he found Will and Grace patiently awaiting him, anrl conversing with Rosie, "I never so frightened in my life," said Grace, af ter he had greeted his visitors. "It came so suddenly, and the crash of the glass made me think for a moment that something had happened to the building. Who could have fired that stone?" "An enemy of mine, named Jim Crawford." "What!" cried Will. "Diq Crawford do that?" "He did," replied Roy. "When I looked across the well I i;aw his face as he s.tQ.rted to make himself "Tha't accounts for your sudden e4it :from the room."


( A BROK.ER' !'D EIGHTEEN. "Yes. I was in hopes o f cat c hing him, but he was too spr y for m e.'-' "How did h e get awa y? "By a stairwa y in th e r e ar that took him out on Pine Street." "You'll have to notify the and have him run down." "That's what I m going to do, " This is a fine office you'v e got, old man. Must cost you a good rent." "It costs enough." dO they figur e the rent of these offices? Do you know?" "By the square foot of floor s pac e a s a basi s and then location." "A suite of rooms ove rlookin g Wall Street, on the second floor, must be pr etty s teep then?" "I should imagin e the yearl y r ent would buy a s mall house and lot in a good "Doing any busine s s y et? "I got my first customer about a n hour a g o He bought a hun

A BROKER AT EIGHTEEN. 21 --. thing. He said that I could go in with you on it, as h e didn t suppose I had any money myself. Ile knows we are frie ndly, and he said you ought to allow me a good rake off." "Who is this broker?'' "George Arnold." "I don t know him by name, at any rate. Does he know I'm in business for myself?" "Yes, for he asked me how you were getting on?" "What is the tip?" "A combination of capitalists has been formed to boom K entuc ky Central. It is going now at 52. Mr. Arnold s aid it w o uld b e up to 60 inside of a week, sure." Roy made a note of the matter on a pad, and of such other with respect to the pointer as Will could give him. It app e ared that Brobr Arnold had suggested to Will the advi s ability of his going to Gilbert without delay and brin g ing the tip to his notice, because he said no time was to be lo s t if they expected to get in on the ground floor. "All right, Will. I'll look into it. It seems like a good thiJ+g." "You ought to be able to make enough out cf it to pay all you expenses for a year," said Church "I should hope to do even better than that," was the reply. Will said he'd have to go, as he had snatched the time on the wing in order to rush the tip to him Roy thank e d him and he went away. Fifteen minutes afterward a man came in and asked to see Mr. Gilbert. "That's my name," said Roy. "I was told you was a young man and new in the busi ness, that' s why I came to you. I want to deal with a strictly honest broker. One who hasn't learned all the tricks of the bu s iness. I've got a block of 5,000 shares of Kentucky Central I'd like to sell you. It's worth 52, and is likely to go up, I guess; but I can't afford to hold it any longer. What kind of a deal can you make with me?" "I couldn't buy it out and out, just now," replied Roy, thinking it a singular coincidence that he should be offered a chance to buy the very stock on which he had just got a tip. "I'll tell you what I can do, then," said the man. "I'll sell it to you at 5on a ten-day option. I'll deposit the shares in any trust company you mention, and you can let me have ten per cent. in cash on account At the end of ten days you can either pay the balance and take the cer tificates, or you can dispose of your option at the market price." "I don't think I'd care to pay 54 for the stock, Mr. Pratt." "I think it would pay you to do so on a ten-day option. I'll give you an hour to i!link it over. I've got some busi ne s s on South Street. I'll stop in on my way uptown." As he seemed to be in a hurry, Roy didn't offer to detain him. "What's the use of paying him 54, and putting 1j) ten per c e nt. of the valu e of the stock at that figure, when I can go to a brok e r and buy as much as I want at 52 on the regular margin?" Roy went OYer and looked at the ticker. To his great surprise, there were several transactions in Kentucky Central on the tape, viz. : 1,000 at 52g-, 2,"000 at 53i, 500 at 54, and 1,500 at 54t. "My gracious!" he exclaimed "It's started to go up already If I'd taken up Mr. Pratt's offer of 54 I'd got the stock below the market without either of us being the wiser I thought it would hug 52 for several days yet. He won't sell at 54 when he comes back unless he fails to look at the ticker In a few minutes another quotation of K. C. at 55 ap peared on the tape, and now Roy felt like kicking himself for not taking up the visitor's offer. Ee looked up the past performances of Kentucky Cen tral, and saw that it had not sold higher than 52 in six months, and had been down as low as 45. Roy put on his hat with the intention of hunting up Broker Arnold and having a talk with him. When he reached the ground floor of the building he was surprised to see Mr Pratt talking to Broker Hague. As he passed close behind them he heard Hague say: "You'd better go back in a few minutes We've put several wash sales through and boosted the price to 55. He'll be sure to see the figures by this ,time, then he's bound to close with you at 54, as his friend Church has brought him the fake tip we got Arnold to give him To morrow the stock will be down to 50, for there is nothing to hold it up, and we'll have $2?,000 of his good money in our pockets." Like a fl.ash Roy saw through the game that was being played on him, and for the moment he was mad enough to march up to Broker Hague and punch his head. He prudently restrained his inclination and walked out of the building CHAPTER XII. HOW ROY GOT THE BEST OF THE SITUATION. "That's a mean game Broker Hague put up on me, and only for the accident of catching him and his friend Pratt together, and overhearing what he said, I'd surely have been caught to the tune of $26,000," muttered Roy to himself as he walked up the street. "I'd give something for a chance to get back at Mr. Hague for this. It is evident that he's taken me for an easy mark, and I came near proving his judgment to be correct." In order to avoid meeting Mr. Pratt, Roy did not return to his office for nearly two hours. When he finally got back his boy told him that Mr. Pratt had come in soon after he went out, had remained half an hour, and then left, saying that he would return later As Roy didn' t care to meet him he went out again, after looking at the ticker and noticing that there was another Kentucky Central quotation at 55-k. The figures, which he knew couldn't be sustained, gaY. c the boy broker an idea. 1 "If I can work it, I'll make something out of this trick after all," he said to himself. He went to the safe deposit company where he kept hi<> money, and then called at Washington, Stark & Co. He saw Mr Stark this time, told him that he was now in business for himself, and said that he wanted to sell 10,000 shares of Kentucky Central short.


A BROKER AT EIGHTEEN. "It's quoted at 55i, but if you can't get a buyer at that smart aleck associates However, I may reach Mr. Hague sell it at 5 or ernn 53. I'll put up $55,000 as a guarantee to deliver a t the sale price Mr. Stark whistled a little at the size of the boy's deal. But he was glad to take the order, for there was a com mission of $2,500 in it for his firm, however the transac tion turned out. So he wrQ_te a note to Mr. Washington at the Exchange, and sen t it over by his messenger An hour later this same messenge,r qarried a note to Roy at his office. It stated that W., S & Co. had sold for Gilbert's account 2,000 shares K. C. at 55, 5,000 shares at 54, and 3,000 shares at 53l At a quarter to four that a fternoon Will came bound ing into Gilbert's office. "Well, old man," he said, "have you done anyth i ng yet about that tip?" "Don't say anything more about that tip oi yours. 'It was a fake, and simple," rep l ied Roy. ' A fake!" gasped Will, taken all aback. "Why, Mr. Arnold--" "l\1r. Arnold suggested in a roundabout way that you'd better l et me in on it, didn't he?" "Yes, because he knows, or supposes, that you have money, whi l e I have none. He said you'd be able to work a deal on the strength of it, and I could get a good rake -off for putting you in the way of making a few thousands "Very kind of him," answered Roy sarcastically "Well, the whole thing was a put up job to do me out of as much money as possible "It was! cried Will. "I don't see how you make it out. Mr. Arnold--" "He acted as a sort of confederate in the matter becan.se he's acquainted with you, and the only way they could get the pointer to me in an unsuspicious way was through you. The scheme was engineered by a broker named John Hague, who has an office on this floor. He's been tryiniS to rope me into something ever since I opened up here He calculated to fleece me to tlJ? tune of anywhere from twenty to thirty thousand dollars, but for tunately I got on to his game and have foiled him Roy then explained to hi,; friend how Hague, assi s ted by other brokers supposedly in the game, worked a series of wash sales on the Exchange for the purpose of securing higher q u otations in Kentucky Centra l than the regu l ar market rate, and while this was going on that Hague had sent a man in to him to him a block of the stock at a figure that would have put about $26,000 cash into the pockets of the conspirators, "As soon as they had accomplished their purpose they intended to let the stock fall back to its old figure, or maybe l ower, and I would be caught in the shuffle," said Roy. "It was simply a nasty little skin game that no reputable broker would countenance; but it's going to put a few d ollars in my pocket just the same "How?" asked Will, in surprise Roy told him how he had taken advantage of the fake i;ise to sell 10,000 shares of the stock short, and he had actually got a higher figure than he expected to get. "It's bound to go down to morrow, and somebody is bound to lose. It's too bad that it won't be Hague and his yet I'd like to sho'w him tha.t I'm not quite as easy a mark as he seems to consider me. "I'm surprised that Mr. Arnold should play me such a trick," said Will, in great disgust. "He was just trying to reach me through you to oblige Mr. llague or somebody in Mr Hague's interest." "Well, I hope your short deal proves a winner," said Will. "You will practicallly turn the tables on them in that case. "They won't know' it, though Neither will they lose anything "You'll have the satisfaction at any rate of knowing that you've come out ahead in the matter." At that moment Rosie came out of her room with her hat on, prepared to go home, so Roy said he guessed he'd close up shop. Next morning 1,000 shares of Kentucky Central were sold at 52. Two days later the stock had receded to 50. Roy chuckled as he saw the s l ump It was only what he had expected. "I guess I'll be able to buy it even lower than that," he said to himself "Then I'll make a handsome profit out of the transaction." Three days later Roy sent word to Washington, Stark & Co. to buy 10,000 of K. C to cover his short sales The firm did so, getting it at an average price of 48i. Rois profits amounted to the difference between what he sold for and what he paid for the stock in order to de liv e r it, or $52,000. He had now a capital all told of $123,000 "I have been in business two weeks, have six out of-town customers, and have made something over $50,000 on a Rhort deal," said Roy i.o Rosie, on the afternoon that he got his check from WaFhington, Stark & Co. "Not so bad for a beginning, is it?" 0. course Rosie thought it was just splendid "My late boss, Mr Ilowland, told me that I wouldn't last three months, or, at the most, six. I mean to do the best I can to show him that he was away off in his calcula tions. I'm in the business to stay, and if I am half way fo1tunate I guess my anchor will hold." On the following day Mr Howland paid his lat,e mes senger a visit. "II ow are you pulling out, Roy?" he asked, after he hacl taken in the office. "First-rate. I've made $50,000 in the past six days." "The dickens you have!" exclaimed the broker. '1'hen Gilbert told him how a clique of foxy brokers had tried to take him in by conveying to him a fake tip on Kentucky Central, and how, after they had temporarilv forced the price up, he had sold the stock short in antici pation of an immediate decline, by which he had made the sum in question through Washington, Stark & Co. "Upon my word, you are a great deal smarter than I supposed you to be," chuckled the broker. "Who were the brokers who failed to get your scalp?" "I '-uly know one, the man who put the scheme through. His name is John Hague George Arnold, however, was the one through whom the pointer came." The idea that a mere eighteen-year-old boy was able to


, A BROKER AT EIGHTEEN. 23 clhc:nm1tc a sharp trader like Hague was too good to keep Roy declined to give it, and rose to go, when Hague and rn whe n :Mr. Howland went to the Exchange next day agreed to his terms. h e c irculat e d the news. "I shall want a certified check or the cash--$342,000.') Th e result was that Hague and a couple o.f his friends re "When can you deliver the certificates?" cei' ed an unmerciful roasting from their associates. "At once. This was bad enough, but when they learned that the "All right. Deliver them C.O.D. at the Manhattan Naboy broker had not only foiled them but had made $50,000 tional." out of the game, they were madder than hornets. They exchanged memor_andums and the deal was conAfter that Hague kept clear of Gilbert's office, but none eluded. the less he yearned for a chance to get square with the "That makes 22,000 shares," said Roy to himself, as he boy. started for his office, to look in for a moment. an eighth of one per cent. for buying, my commission so far CHAP'rER XIII. ROY GETS A BIG COMMISSION FROM IIIS FORMER EMPLOYER. One morning Mr Howland came into Gilbert's office. "I'm going to give you a chance to make a little money, Roy," he said. "I want you to go around among the brok ers' offices and buy me all the shares of R. & H you can get hold of. The stock is to be delivered 0 0.D. at the National. If anyone should ask you who the stock is for you will simply say that it's for a customer of yours. I am not to be known in connection with the mat ter, you understand? That's why I'm doing a portion of my buying through you. I guess you know when to keep your mouth shl1t and when to open it." "Yes, sir. I learned that in your office. You never found me telling tales out of school and you never will "Yes, that's right. It's because I know I can trust you that I am taking you into my confidence in a very import ant matter. I want you to get on the joh at once and lose no time. R. & II. is going at 85. I authorize you to give 851 if necessary, but no higher until you have communi cated with me. Understand?" "Yes sir," said Roy, taking up his hat. Mr. Howland went away and Gilbert started out to buy the stock. 'fhe :firAt half dozen brokers he visited had none of it, and then he struck a block of 5,000 shares, for which he had to pay By one o'clock, when he stopped long enough to get a hasty lun c h, he had secured 18,000 'rhen he heard that Broker Hague had some of it. He made no bones about calling on that gentleman, who happened to be in his office. "Have you any R. & H. shares, Mr Hague?" he asked as soon as he was admitted to the trader's private room. "I have How many do you want, and what are you paying for it?" ) "How many shares have you?" asked Roy. "I've 4,000 shares." "It's going at Hague took a look at the tape and came back. "I'll let you have the whole block for 85V' "No you won't," replied Roy. "I'll give you three eighths." ".Are you buying this for yourself?" H o, sir. It's for a customer." "Do you want the block?" "I'll take it at 85l" Hague considered a moment and then said he wanted 85f. amounts to $2,750 Not a bad day's work, and I've a couple of hours yet to pick up some more." He finally sent word to Mr. Howland that he had se cured 25,000 shares, most of it at 85.g.. Next morning the stock opened at 85!, and speedily went to Roy sent word to Mr Howland, and asked for permis sion to bid higher. He was g-iven a leeway of onehalf per cent. above the market. Under these conditions he got hold of 12,000 more shares that day Then Mr. Howland sent him word to stop Whereupon he forwarded his statement to the broker and in due time received a check for $4,625 to cover his commission Directly he got word to quit buying for the broker he considered himself free of any further obligation to Mr. Howland, and he went to the little bank on Nassua Street aud ordered the clerk to buy for his account at Ex change any part of 5,000 shares of R & H. at the market price on the usual margin. It took the bank's representative three days to get the at an average price of 87. Two days afterward the Exchange began to howl over the stock, for it commenced to rise steadily until it struck !.l5, at which point Roy ordered a sale of his holdings, a thousand shares at a time. His on the deal amounted to $38,400. In the meantime Rollie had accumulated quite a lot o f custom, and was doing very well indeed. Among those who favored her with work was a young lawyer who had been struck with her beauty, and he was getting into the habit of calling on her with considerable frequency, bringing work each time as an excuse More than half of the typewriting he paid her: for he had no use for, and tore up as soon as he returned to his office on the floor abbve. One afternoon when he called he was slightly under the influence of mint juleps, or somethmg else of that nature. He drew his chair up near her, and his attentions became embanassing to the girl. Gilbert was out at the time, or she would have told him that she wanted her visitor to go. Finally the lawyer, whose name was Gerald Ladelle, asked her if she wouldn't honor him by going to dinner with him, and afterward to. the theater, that evening Rosie declined as politely as she could, and then hinted that as she was very b usy his presence was a dr awback t o her w ork. r


r: -M A BROKER AT EIGHTEEN. The young lawy er .wouldn't take the hint, though it was plain enough, and persisted on remaining. Rosie finally became desperate, and called the o .ffice boy inside and asked him to remain. At thiE' point the telephone bell rang, and Rosie ran out to Hoy's desk to answer it. To her great relief and satisfaction she fou d that Roy was at the other end of the wire. After answering his questions she told him about the presence of Lawyer Ladelle, and how he persisted in re mairiing and annoying her with his attentions. "Put on your hat and go out for thirty minutes," he told her. "By that time I'll be back She followed his directions to the letter. The lawyer, however, accompanied her as far as the cor ridor, and there she got away from him When Roy returned to the office he learned all the par ticulars from her He immediately called on Ladelle, carrying with him a quantity of work the lawyer had left with Rosie, and said a few plain things to him The young legal luminary resented his interference in tke matter, and told him to get out of his office or he"d throw him out "I don't think you will, Mr. Ladelle," replied Roy coolly. The lawyer rose from his desk in an unsteady manner, and seemed about to carry out his threat. Gilbert wasn't afraid of him in the least, and was pre pared to look out for himself . 'Are you going to get out?" asked Ladelle in an ugly tone. "Yes. I'm going, for I've said all I had to say; but I'll take no threats from you As a lawyer you ought to know better than to use Hereafter, you need not bring any more work to Miss Wood, for she will not receive it from you." Later on the lawyer sent his boy down to Rosie with a batch of work, but she sent it back with a verbal message that she was too busy to accept .any more. Ladelle, having learned from his boy that Gilbert was out, ventured to visit Miss Wood and try to square him self Rosie refused to listen to any explanation and asked him to go, which he did, very reluctantly. She told Roy when he returned that the lawyer had been in, and that she had refus ed to have anything more to do with him. "You did right, Ros ie," replied Roy "A man who makes one bad break is liable to repeat it, and I don't want my promised wife to be annoyed by any man." He put hi.s arms around her protectingly and she nestled close to him. Then their lips met in a long, sweet kiss. She was very happy, for her dream when a flower girl was coming true. CHAPTER XIV. IN WIIICII l\iR. HAGUE ruRNS OVER A NEW LEAF. Not w ry long afterward another effort was made by the crafty broke r s who were seeking of Gilbert's fleece to get him into a combination to boost a certain stock, the name of which the man tried to intel'est him in the pool wouldn't disclose until he agreed to join them and had put up $75,000 The gentleman, who was working in the interests of the combine, was no more successful than Mr. Hague had been. Roy explained to him that he never invested money that he couldn't at all times have direct control of himself. "The moment I went into a pooling arrangement, such as you speak of, rd have to be governed by the will of the majority." "That's true enough," adn1itted his visitor, "but you'd share in all the advantages of being on the inside in the game We have backing enough to force the stock fifteen to twenty points above the present market rate, and hold it there long enough to unload at a big profit The risk you'd face is really a minimum one, in comparison to the risks you'd face in bucking the market alone. Here we know just what we can do, and are going to do. We know at exactly what pqint it will be safe to unload on the pub lic. When we're out oI it the public will have the tock at a high figure, while we'll have the public's 411oney. The game is played every little while, ancl brokers are con stantly adding to their fortunes by a sure thing. By going in with us you are really betting on a certainty. rrbere isn't one chance in a hundred of you losing." "That may be all very true; in fact, I know that for tunes are often made this way by the solid men of the Street, but for all that I prefer to use my own judgment in any deal I go into, then if I lose I know I made a mistake, that's all." His visitor continued to argue his point a while longer, but could make no headway with Gilbert, and finally re tired, convinced that, the boy broker couldn't be made to bite at the bait offered so temptingly. Roy put on his hat and followed his caller at a distance till he saw him enter Broker George Arnold's office. "I wonder what kind of a game was tried on me this time," he said to himself "I don't know any broker out side Mr. Howland who has interest enough in me 1;o offer to take me into a legitimate pool and give me 1;1n even show for a slice of the profits. Why, $75,00() would cut very little ice in such a combine. It takes millions to operate with any chance of safety." He hung around Arnold's office for a while and finally saw Mr. Hague go in there Fifteen minutes later the three men came out together and headed for a Broad Street cafe Roy went to the swinging door and looke d in. They were lined up at the bar. After a while they came out, and after standing a few minutes on the curb they separated, Hague going over to the Exchange. As he was crossing the street an automobile dashed down upon him. Roy saw the broker's peril, hallooed to him, and dashed forward The chauffeur put on his brakes and tooted his horn. Hague looked up in a startled manner, saw what was coming, and sprang back. In doing so he tripped and fell Gilbert reached him just in time to grab him by the ) ..


' A BROKER AT EIGHTEEN. 25 --===-==-===========================:================================= c olla r and yank him backward as the machine, which was a b ig touring car, slipped by. Hague sat up as white as a sheet, trembling all oYer. A crowd began to gather. Then he recognized his rescuer, and was dumbfounded. Roy him on his feet and began to brush him off. "I guess you're all right, now, Mr. Hague," he said, leading him over toward the Exchange. "I believe you saved my life, Gilbert," :fluttered the broker, who wa.s still shaking like an aspen leaf. "I sha'n't forget it." "Don't let that worry you, sir. I'm glad I was on hand to !J.elp you out. Good-bye," and Roy left him at the door of the Exchange and returned to his office. As he was preparing to close up, about four -o'clock, Broker Hague walked in and sat down near his desk. "You did a great favor for me to-day, Gilbert," he said in an embarrassed way. "I won't deny it, sir, but--" "You saved my life," interrupted the broker. "I am not sure of that," replied Roy. "I am sure of it," answered the trader, nodding his head in a positive way. "All right, we'll let it go at that." "I want you to understand that I am grateful to you, young man. I don't want to die yet. I ain't fit to die." "Well, I guess there isn't much danger of you dying very soon, sir." "I don't know," replied the broker solemnly. "That automobile gave me a great shock. I don't feel as well as usual." "Oh, you'll get over it by to-morrow." "I want to do something for you in return for what you did for me." "No, sir, I'd rather you wouldn't." "You've got a grudge against me, Gilbert, because-" He stopped an

A BROKER AT EIGHTEEN. "Yes, sir Here is the money to cover the margin at 80. I'll allow you one point leeway." The deal was made, and Roy returned to his office not a little excited, for he stood either to go broke or make probably at least a quarter of a million Mr. Howland had little difficulty in getting the 20,000 shares, as the buying by the syndicate had only just com-menced He got it all on the outside of the Exchange, as Roy had told him to work it that way so. as to keep the knowl edge from the ears of Mr. Hague's associate brokers. He got it at 80 or 80-k. As soon as he had completed the purchase he notified Roy of the fact, telling him that he held it subject to his orders. Will came into Gilbert's office that afternoon. He had read in the morning papers the account of Roy's rescue of Broker Hague on Broad St;reet the afternoon before, and he was curious to learn how the broker in question had acted toward Roy. "You've got yourself into the limelight again, old man," he said "If you keep on, the papers will write up your obituary when you die \ "I hope they won't be called on to do that for some tim e yet," repiied the young broker "I'm not hankering after a burial yet." "You'd make a pretty healthy looking corpse," grinned Will "So you saved Broker Hague from getting run over? Hague is s u ch a gqod friend of yours, too, I don't think." O h, there's wor!'le tlian he in the world "What did he have to say when he found that he was under obiigations to you?" "He came around and made it all right with me "How?" "That's one of my business secrets." "Which means that it's none of my business, I sup pose?" "Well, don't get mad over it," lau ghed Roy. "I suppose you heaped c o als of :fire, as the saying is, on his head?" "A few." "You've got him where the hair is short now. If he puts up any more jobs on you after this he'll be a pretty small kind of man Roy thought it well to change the subject, and he began talking abot so:metliing else. When half past four came around Rosie :finished work for the day, and then Roy told Will that he was. going to l ock up. The boys wal ked with the girl as far as Brooklyn Bridge and then took the subway for Harlem. Roy now kept a sharp eye on the ticker for developments iI.l A & P The stock, after hanging around 80 for two days, began to advance slowly when the syndicate commenced to bid for the stock in the Exchange. On the :fifth day it was up to 83. The stock was grad u ally cornered by the pool and became pretty scarce. As soon as the syndicate got hold of all that was in :iight, their brokers started to bid the Pl'ice up. \ All this h e lped to boost A. & P. higher every day, and eight day s after Roy had made his purchase it was selling at 92 and pointing upward. / On the following day, after an exciting session, it roached and passed par. Roy was now momentarily expecting to receive from Mr. Hague the magic word "Unload," and he had notified Mr Howland to De prepared to work the s tock off in small lots as soon as he handed in his order to sell. When the price reached 105 he r e ceiv e d the tip from Broker Hague, and passed it on to Mr. Howland. The demand for the shares was so heavy that the syn dicate didn t have to take a share of Roy's 20,000 Every one went to outsiders, who were crazy to get it. Roy got an average of 105! for his holdings, and when he settled with Mr Howland he found that his profits amounted to just half a million. This made him worth $666,000 all told. "Rosie," he said that afternoon, going into her den and clqsing the door, "I am worth over $666,000 now. Accord ing to our arrangement, you were to enter into a ljfe partnership with me as soon as I had made half a million. The time has come, therefore, when we must carry out the terms of our bargain Are you ready, little sweetheart?" Yes, she was ready to do whatever Roy thought best So arrangements were got under way for their wed ding "Your name will have to come off the door, for of course as my wife you will not need to work any more," he said to her, "Please notify all yo-ur oustmners that you are .going out of business in a few days A few days before they were married, Jinr Crawford, thinking himself secure, ventmed to return to 'New York. He was nabbed by a detective before he had been in the city twenty four hours Ultimately he was sent to the Elmira Reformatory for two years. Not only was Mr. Howland at Roy's wedding, but Mr. John Hague was present, and the bride received from him a handsome and vaiuable present. Bride and bridegroom both wore the two halves of the broHn ring at the altar, for they fully believed they owed all their luck to charms Roy Gilbert is now twenty one, and his career in Wall Street is hardly more than begun, but we have said all w e set out to say about him, for the most intere s ting part of his early life was when he became A BROKER AT EIGHTEEN. THE END. Read "ONLY A DOLLAR; OR, FROM :r!]RRAND BOY T'O OWNER," which will be the next number (99) of "Fame and F mtune Weekly." S P ECIA L NOTICE: A ll back number s of t h is weekly a r e a l w ays in print. If _you canno t obt ain tltem from any newsdeale r, send t he price in money or postage stamps b y mail to FRANK TOUSEY, PUBLISHER, 2 4 UNIO N SQUARE, NEW YORK,, and y ou will rec e ive the copies y ou or d er b y return mail.


/ FAME AND FORTUNE WEEKLY. Fame and Fortune Weekly NEW YORK, AUGUST 16, 1907. Terms to Subscribers. -Slnzte COples ............................ ............. . One Copy Three nontHll ........ .... .......... .......... One Copy Six nonths . ............ ................... .. One Copy One Year ...... ............................... Postage Free. How To SEND MONEY. .05 Cents .65 .. $i.25 2.50 At our risk send P. 0. :Money Order, Check, or Registered Letter; remittances In a.ny other wa.y a.re a.t your We accept Postage Stampe the same as cash. When sending silver wrap the coin In a separate piece ot paper-to a.void cutting the envelope. W1ite 11our name and address plai11l1(. Address lette1 s to Frank l'ousey, PubUsl1er, :.Z-4 Union Sq., New York. OOOD STORIES .. The largest automobile in the world is being co'nstructed for e. Parisian docttJr. In it1 accompar1led by two medical students, he intends to make a trip ar

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