The second book in the Aunt Jane's series picks up where the first left off. The eccentric and down-to-earth millionaire John Merrick decides to take his three beloved nieces – Patsy Doyle, Elizabeth de Graf, and Louise Merrick – on a tour of Europe. The parents of the three girls react variously, but don't oppose the trip; Mrs. Merrick, Louise's mother, wants to accompany them as chaperone, a prospect that Uncle John rejects out of hand. Still, Mrs. Merrick allows her daughter to go; she wants to separate Louise from Arthur Weldon, the young man who has been courting her. (The social-climbing Mrs. Merrick is desperate for Louise to land a rich husband. Weldon's father is a wealthy railroad magnate, but the father and son are in a clash of generations and the elder Weldon threatens to disown the younger).
Uncle John and the three cousins embark for Europe, and make new acquaintances aboard ship. Among them is a somewhat sinister and mysterious man called Victor Valdi, who combines "refinement and barbarity" in his manner. Patsy goes out of her way to draw him out of his sullen silence, to "make him talk and 'be sociable'." The tourists reach Italy, where they witness an eruption by Vesuvius and cope with the public's fears and a layer of ash in the streets of Naples. They consider a detour, but decide to carry on intrepidly. They encounter a local aristocrat, the Count of Ferralti, who fancies Louise – though the clever Uncle John quickly realizes that he is only a pretend nobleman. John warns Louise of the young man's pretense, but otherwise allows the acquaintance, especially when Ferralti proves a courageous help in a near-disaster on the road.
At Taormina, the travelers meet Victor Valdi again; he appears more sinister and mysterious than ever in his native element, where he is called "Il Duca." There is much talk of the danger of "brigands" in Sicily — though the local people cheerfully insist that "There are no brigands" in Sicily, an ironic refrain that winds through the book. Quickly enough, both Uncle John and Ferralti are waylaid by Valdi, who is the chief local brigand, and makes a living for his family and followers by kidnapping tourists and holding them for ransom. Uncle John learns the ways of Valdi's curious establishment, which includes his ruthless mother and his daughter Tato, who masquerades as a boy to serve as her father's henchman.
After initial resistance, Uncle John reconciles himself to paying the ransom for his life and freedom; but his nieces and friends are unwilling to yield to bandits, and stage a bold and effective rescue of Uncle John and Ferralti. It is revealed that the false Count Ferralti is actually Arthur Weldon; he has come to Europe in disguise to be with Louise. Uncle John lets the two young people continue to see each other, as long as there is no talk of marriage yet. (News has arrived that Weldon's father has died in a railway accident, and that Arthur is now a wealthy heir.)
The Americans are surprised a few days later, when Valdi and Tato appear at their hotel. While Tato was acting as the go-between in the ransom plot, the girl and Patsy had become something like friends; with typical generosity of spirit, Patsy does not blame the girl for the actions of her family. Now, Valdi asks the Americans to take Tato under their charge for a time; Valdi is trying to leave brigandage behind and take up an honest life. The cousins naively accept Tato, and enjoy dressing her in a new wardrobe and teaching her manners. They are surprised again when Tato absconds with the ransom cash ($50,000 of Uncle John's money and $30,000 of Weldon's); the girl leaves a cheerful but mocking letter behind her, explaining the ruse.
Having learned their lesson, the travelers complete their tour through Italy, Switzerland, and France, and gratefully return home.

Question: How is John described, in terms of money?
Answer: millionaire
Alternative answer: Down to earth.