“How much money have you saved up?”

“I’ve got fifty-six dollars, and I’m going to sell my boat for four dollars.”

“Well, sixty dollars isn’t such a bad capital.  I have known men to start out with a good deal less.  When I left home I had but twenty dollars and an extra suit of clothes.”

“Did you come from a country place?”

“No, I came from New York.  Times were hard and I couldn’t get a single thing to do.  I went to Paterson, New Jersey, and got work in a silk mill.  From there I went to Camden, and then to Philadelphia.  From Philadelphia I came here and have been here ever since.”

“You have been prosperous.”

“Fairly so, although I don’t make as much money as some of the hotel men in the big cities.  But then they take larger risks.  A few years ago a hotel friend of mine opened a big hotel in Atlantic City.  He hoped to make a small fortune, but he was not located in the right part of the town and at the end of the season he found himself just fifteen thousand dollars out of pocket.  Now he has sold out and is running a country hotel fifty miles west of here.  He doesn’t hope to make so much, but his business is much safer.”

“I’m afraid it will be a long time before I get money enough to run a hotel,” laughed our hero.

“Would you like to run one?”

“I don’t know.  I’d like to educate myself first.”

“Don’t you study some now?  I have seen you with some arithmetics and histories.”

“Yes, sir, I study a little every day.  You see, I never had much schooling, and I don’t want to grow up ignorant, if I can help it.”

“That is the proper spirit, lad,” answered Andrew Mallison, warmly.  “Learn all you possibly can.  It will always be the means of doing you good.”

The conversation took place on Thursday and two days later the season at the summer hotel came to an end and the last of the boarders took their departure.  Monday was spent in putting things in order, and by Tuesday afternoon work around the place came to an end, and all the help was paid off.

In the meantime Joe had sold his boat.  With all of his money in his pocket he called at the Talmadge house to see if Ned had returned from the trip to the west.

“Just got back yesterday,” said Ned, who came to greet him.  “Had a glorious trip.  I wish you had been along.  I like traveling better than staying at home all the time.”

“I am going to do a bit of traveling myself, Ned.”

“Where are you going?”

“To Philadelphia—­to try my luck in that city.”

“Going to leave Mr. Mallison?”

“Yes,—­the season is at an end.”

“Oh, I see.  So you are going to the Quaker City, as pa calls it.  I wish you luck.  You’ll have to write to me, Joe, and let me know how you are getting along.”

“I will,—­and you must write to me.”

“Of course.”