ther millionaire. He can nearly always control ten millions or more at
call. He has never speculated in stocks to any extent. Mr. Sage's word
is as good as any bond. He has no taste for ordinary diversions, except
driving.

Philip D. Armour, who has the appearance of a prosperous farmer, was
born on a farm near Watertown, N. J. He became fired with a desire to
see the "Boundless West." His mind seemed to run to hogs, and with a
financial instinct he made up his mind that there was a fortune in
transporting the hogs from where they were so plenty to where there were
so few of them and so many to eat them. He could now purchase every hog
in the world and then have money left to buy a railroad or two.

Mrs. Hetty Green is probably the richest woman in the world. Her fortune
has grown from the little industry of her father in New Bedford, Mass.
She has raised the nine millions left her by her father and nine
millions left her by her aunt to thirty millions. She is a woman of
great ability and courage. She once took with her five millions of
dollars of securities in a satchel on a street car to deposit with her
banker on Wall street.

The probabilities are that billionaires will be as plentiful in the
twentieth century as millionaires are to-day, through hard work,
self-denial, rigid economy, method, accuracy, and strict temperance, for
not one of the self-made millionaires are intemperate. John D.
Rockefeller never tastes intoxicating liquor. He seems as unvarying in
his method and system as the laws of the universe. Jay Gould did not use
wine or intoxicating liquor of any kind. Mr. Huntington does not even
drink coffee, while William Waldorf Astor merely takes a sip of wine
for courtesy's sake. Not one of the leading millionaires uses tobacco,
and not one of them is profane. Very rich men are almost always honest
in their dealings, so far as their word is concerned. William Waldorf
Astor, until recently, has been considered the richest man in the world,
but John D. Rockefeller surpasses him now, it is said. The whole wealth
of Croesus was little more than the income of this modern Croesus
for one year. Mr. Rockefeller controls about eighty or ninety millions
of capital stock in the Standard Oil Trust. The Standard Oil Company is
one of the best managed corporations in the world.

Two centuries and a quarter ago, a little, tempest-tossed,
weather-beaten bark, barely escaped from the jaws of the wild Atlantic,
landed upo