“Or a chump, eh?” he said, with a light laugh. “I intend to hold out for ninety-two, if the stock goes that high, as I feel sure it will, and over. That will return me a profit of twenty thousand dollars, which, added to my original capital, will make me worth twenty-five thousand dollars.”

“Pretty good for a boy of——”

“I was seventeen three months ago.”

“Well, Jack, I earnestly hope that you will come out all right. But you are taking a terrible risk, and I shall be nervous till I know you have won out.”

“It is understood I am to call for you to-morrow, is it?”

“Yes, Jack, it is.”

So Millie went to the Hazard flat next day and was introduced to Jack’s mother and sister, who were much pleased with her pretty face and sunny disposition.

Ed came in soon after dinner, and the two boys and the two girls started up to the Bronx, where they spent a pleasant afternoon, wandering about with an occasional eye to a desirable vacant house that had the sign “For Sale” attached.

“This is something like counting one’s chickens before they’re hatched, isn’t it,” said Jack, after they had inspected one very pretty place which seemed to answer all expectations. “I like this house; don’t you, Annie?”

“Very much, indeed.”