"Ellen said I ought to have given you a hundred, and I think so myself."

"I am glad you didn't. Too much money makes us fat and lazy."

Mr. Bayard laughed at the easy self-possession of the lad—at his big talk; though, big as it was, it meant something. When he proposed to go to the store, he told Bobby he had better stay at the house and rest himself.

"No, sir; I want to start out to-morrow, and I must get ready to-day."

"You had better put it off till the next day; you will feel more like it then."

"Now or never," replied Bobby. "That is my motto, sir. If we have any thing to do, now is always the best time to do it. Dr. Franklin says, 'Never put off till to-morrow what you can do to day.'"

"Right, Robert! you shall have your own way. I wish my clerks would adopt some of Dr. Franklin's wise saws. I should be a great deal better off in the course of a year if they would."

CHAPTER IX.

IN WHICH BOBBY OPENS VARIOUS ACCOUNTS, AND WINS HIS FIRST VICTORY.

"Now, Bobby, I understand your plan," said Mr. Bayard, when they reached the store; "but the details must be settled. Where do you intend to go?"