Joe paid over the money with no little satisfaction.

Without going too much into detail, it may be stated that at the end of a month Joe was out of debt and had three hundred dollars over.  He called on the owner of the land to pay the monthly ground-rent.

“Why don’t you buy the land, and get rid of the rent?” asked the owner.

“Do you want to sell?” asked Joe.

“Yes; I am about to return to the East.”

“What do you ask?”

“I own two adjoining lots.  You may have them all for a thousand dollars.”

“Will you give me time?”

“I can’t.  I want to return at once, and I must have the cash.”

A thought struck Joe.

“I will take three hours to consider,” said Joe.

He went to George Morgan and broached his business.

“Mr. Morgan,” he said, “will you lend me seven hundred dollars?”

“Are you getting into pecuniary difficulties, Joe?” asked Morgan, concerned.

“No, sir; but I want to buy some real estate.”

“Explain yourself.”

Joe did so.

“It is the best thing you can do,” said Morgan, “I will lend you the money.”

“I hope to repay it inside of two months,” said Joe.

“I think you will, judging from what you have done already.”

In two hours Joe had paid over the entire amount, for it will be remembered that he had three hundred dollars of his own, and was owner of three city lots.

“Now,” thought he, “I must attend to business, and clear off the debt I have incurred.  I shan’t feel as if the land is mine till I have paid for it wholly.”

Joe found it a great advantage that he obtained his own board and lodging free.  Though wages were high, the necessary expenses of living were so large that a man earning five dollars a day was worse off oftentimes than one who was earning two dollars at the East.

“How shall I make my restaurant more attractive?” thought Joe.

He decided first that he would buy good articles and insist upon as much neatness as possible about the tables.  At many of the restaurants very little attention was paid to this, and visitors who had been accustomed to neatness at home were repelled.

Soon Joe’s dining-room acquired a reputation, and the patronage increased.  At the end of the third month he had not only paid up the original loan of seven hundred dollars, but was the owner of the three lots, and had four hundred dollars over.  He began to feel that his prosperity was founded on a solid basis.

One day about this time, as he was at the desk where he received money from his patrons as they went out, his attention was drawn to a rough fellow, having the appearance of a tramp, entering at the door.  The man’s face seemed familiar to him, and it flashed upon him that it was Henry Hogan, who had defrauded him in New York.

The recognition was mutual.