need any from you, Henry."

"But it wouldn't be right to take it without security. Wait, I'll tell
you what I'll do."

He hurried back into his house, to return in a few minutes with a folded
paper which he handed to Dick.

"What is this?"

"That," said Henry proudly, "is my personal note for fifty dollars,
payable in one month, with interest at six per cent., as security for
this loan. You can have it discounted at the bank," he added with a
laugh; "that is if you can get your father, or somebody with some money,
to indorse it. Anyhow, it's my note. The first one I ever gave. Now you
needn't worry about your money, Dick."

"I'm not worrying about it. In fact, I've got a deal of my own on hand
that I expect to make some profit on. Besides, I'm going to buy a new
motor boat, and I've got to go see about it. Will you come along?"

"No, indeed. I'm going to buy that old iron now," and as Dick started up
his auto, Henry hurried into the house for his hat to go and complete
his business transaction.

Dick rode on for about a mile, when he saw coming toward him a man in a
carriage. The man held up his hand as he approached, indicating that he
wanted the automobilist to stop.

"I wonder what's the matter?" thought Dick. "I can't be going so fast
that I'm in danger of scaring his horse. Why, it's Mr. Bruce," as he
recognized the real-estate agent of whom he had purchased the land he
had been looking at with Guy and Simon one day.

"How are you?" asked Mr. Bruce. "I was just coming over to see you, Mr.
Hamilton;" for he had been quite respectful to Dick since he learned of
his wealth.

"To see me? What about?"

"About that land deal. In fact, I have bad news for you."

"Bad news?"

"Yes, I have just learned that they are going to put a fertilizer
factory up on the property adjoining that which you bought, and yours
will be valueless to sell for building lots. No one will want to live
next to a fertilizer factory."

"Then it means----" faltered Dick.

"It means that your investment hasn't turned out well," went on the
agent. "In fact, your land is worth less than half what you paid for
it."

CHAPTER VI

A TRIP TO NEW YORK

Dick was keenly disappointed, not so much at the news of the loss of his
money as he was over the fact that his first investment had proved a
failure. He began to realize that it was not as easy to make money as he
had supposed, even if you have a large amount to invest.

"It