ved from Mr. Rockwell.

"I'll go to the bank this morning, and get my money," said he.

"How are you going to invest it, Dick?" asked Fosdick.

"I don't know," said Dick. "I'll put it in the savings bank till I
decide. That'll make more'n eleven hundred dollars. I didn't use to
think I ever'd be worth that, when I slept in boxes and old wagons."

"Eleven hundred dollars at six per cent. interest will yield you
sixty-six dollars a year."

"So it will," said Dick, "and all without working. I tell you what,
Fosdick, at this rate I'll soon be a man of fortune."

"Yes, if you can make a thousand dollars a day."

"I wonder what old Gilbert'll say when he sees it," said Dick.

"Who's he?"

"He's the book-keeper. He aint very fond of me."

"What has he against you?"

"He thinks I don't treat him with proper respect," said Dick. "Besides
he tried to get his cousin Roswell Crawford in, but he couldn't."

"Then it seems both of us have interfered with Roswell."

"He's got a place now. I guess he's the senior partner by the way he
talks."

The breakfast-bell rang, and the boys went down to breakfast. Clifton
was down already, and was standing in front of stove. Being an observing
young man he at once noticed Dick's watch-chain.

"Halloa, Hunter!" said he; "I didn't know you had a watch."

"I didn't know it myself till last night," said Dick.

"Where did you get it?"

"It came from Ball & Black's," said our hero, willing to mystify him.

"That's a nice chain,--solid gold, eh?"

"Do you think I'd wear anything else?" asked Dick, loftily.

"Will you allow me to look at the watch?"

"Certainly," said Dick, drawing it from his pocket, and submitting it to
Clifton's inspection.

"It's a regular beauty," said the young man, enthusiastically. "Do you
mind telling how much you paid for it?"

"How much do you think?"

"A hundred dollars?"

"It cost all of that," said Dick, confidently. "If you see one for sale
at that price, just let me know, and I'll buy it for a speculation."

"You must be getting a pretty good salary to buy such a watch as that."

"Pretty good," said Dick, carelessly.

Mr. Clifton was rather a shallow young man, who was fond of show, and
had a great respect for those who were able to make it. When Dick first
came to the boarding-house he looked down upon him as a boy; but now
that he proved to be the possessor of an elegant gold watch and chain,
and might, therefore, be regarded as in p