rise that had millions in it--in its prospectus. I would buy
because I knew the minister was honest and believed in it. He was
selling it on his reputation. Favorite dodge of the promoter to get the
ministers to sell his shares.

I was also greatly interested in companies where I put in one dollar
and got back a dollar or two of bonds and a dollar or two of stock.
That was doubling and trebling my money over night. An old banker once
said to me, "Why don't you invest in something that will pay you five
or six per cent. and get it?"

I pitied his lack of vision. Bankers were such "tightwads." They had no
imagination! Nothing interested me that did not offer fifty or a
hundred per cent.--then. Give me the five per cent. now!

By the time I was thirty-four I was a rich man in worthless paper. It
would have been better for me if I had thrown about all my savings into
the bottom of the sea.

Then I got a confidential letter from a friend of our family I had
never met. His name was Thomas A. Cleage, and he was in the Rialto
Building, St. Louis, Missouri. He wrote me in extreme confidence, "You
have been selected."

Were you ever selected? If you were, then you know the thrill that rent
my manly bosom as I read that letter from this man who said he was a
friend of our family. "You have been selected because you are a
prominent citizen and have a large influence in your community. You are
a natural leader and everybody looks up to you."

He knew me! He was the only man who did know me. So I took the cork
clear under.

"Because of your tremendous influence you have been selected to go in
with us in the inner circle and get a thousand per cent. dividends."

Did you get that? I hope you did. I did not! But I took a night train
for St. Louis. I was afraid somebody might beat me there if I waited
till next day. I sat up all night in a day coach to save money for Tom,
the friend of our family. But I see now I need not have hurried so.
They would have waited a month with the sheep-shears ready. Lambie,
lambie, lambie, come to St. Louis!

I don't get any sympathy from this crowd. You laugh at me. You respect
not my feelings. I am not going to tell you a thing that happened in
St. Louis. It is none of your business!

O, I am so glad I went to St. Louis. Being naturally bright, I could
not learn it at home, back in Ohio. I had to go clear down to St. Louis
to Tom Cleage's bucket-shop and pay him eleven hundred dollars to
cor