About a year later I brought this about; and having established a fair credit myself I had no difficulty in also establishing a credit for Albert, which he used to good advantage by hus'ling and selling lots of goods.

Later on, after I had opened a store of my own, I supplied him with goods for some time, extending all the credit he needed. This same young man is now proprietor of a wholesale jewelry house in Chicago; and I dare say that only for his prompt and liberal action in responding to my request for a loan of twenty-five dollars, there would be no such firm in existence at the present time. Therefore it illustrates how a single instance will prove the turning point in a man's life.

Albert came to our house while we were living at the old homestead on the farm, when he was but a small boy. He was an orphan, and had left a farmer living a few miles away, whom he had lived with for some time.

The night he came there I happened home from one of my speculative trips, and after talking with the lad, asked my folks what they were going to do with him. They said he could stay over night, and after breakfast they would send him on his way rejoicing.

I urged them to let him stay, convinced that he would be of great assistance on the farm. They concluded to give him a trial, with the satisfactory result as stated above.

If the reader will pardon me more for digressing from the subject, I will here relate a little incident that occurred on the day of Albert's arrival in the city. It only goes to show how the average young man will wriggle and tax his brain in order to get out of a tight box.

It often afforded us much amusement when narrating it, as being his initiation into the great city of Chicago. He had written me in answer to my letter, that he was ready to start at any time; and as I had received an invitation to attend a ball to be given in the city on the South Side on a certain day, I wrote him to be on hand at that time and I would meet him.

By this time I had begun selling goods on credit, and very often run a little short for cash; and it so happened that in this particular instance I arrived in the city at seven o'clock in the evening, with less than five dollars in my pocket with which to visit the barber, and pay for our suppers and tickets for the ball.

He had written me that he would have about seventy-five dollars cash, and I felt perfectly secure to start out with him, knowing I could borrow till I could raise it the next day and pay him back.