will get you
to sign, for a hundred and fifty dollars, and you can assign to me the
money in the savings bank. I shall expect interest at the rate of six
per cent."

"I shall be very glad to pay it, sir."

It was a satisfaction to Andy to think that he had made an investment
which was likely ere many years to make him golden returns. He began to
read with interest the accounts of the growth and development of the
West, and decided to be unusually economical in the future, so as to be
able to pay up the note due to Mr. Crawford, that he might feel that he
owned his Western property without incumbrance.

While Andy, as a rule, dressed neatly, there was one respect in which he
did not win the approval of his neighbor, Sam Perkins.

"I should think a boy with your income would be more particular about
his neckties," said Sam.

"What's the matter with my neckties, Sam? Are they not neat?"

"Yes; but they are plain, such as a Quaker might wear. Why don't you
get a showy tie, like mine?"

Andy smiled as he noticed the gorgeous tie which his friend wore.

"I don't like to be showy," he said.

"You'll never attract the attention of the girls with such a plain tie
as you wear. Now, when I walked on Fifth Avenue last Sunday afternoon,
as many as twenty girls looked admiringly at my tie."

"That would make me feel bashful, Sam."

"Let me bring you one from the store like mine. You shall have it at the
wholesale price."

"No; I think not. It wouldn't be as becoming to me as to you. I don't
want to be considered a dude."

"I don't mind it. Next week I'm going to buy a pair of patent leathers.
They will be really economical, as I shall not have to spend money on
shines."

One Saturday afternoon, when Andy was walking through one of the quiet
streets west of Bleecker, his attention was drawn to a small boy,
apparently about eleven years old, who was quietly crying as he walked
along the sidewalk. He had never seen the boy before that he could
remember, yet his face wore a familiar expression.

CHAPTER XXV.

SQUIRE CARTER'S RELATIVES.

Andy was kind-hearted, and the boy's evident sorrow appealed to him. He
went forward and placed his hand on the boy's shoulder.

"What is the matter?" he asked.

"I went to the baker's to buy some bread for mother, and the baker tells
me that the quarter is a bad one."

"Let me look at it."

The coin had a dull appearance and a greasy feeling. It was
unquestionably cou