The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1907-12-17
cnAprE1, xv.-contlnued.

/ don't think mennly of me. know
what I'm about. What I'm doing is
| life or death to me-" He said this
very seriously; then. before he con-
| tinued, paused, smiling. ut is very
remarkable thing, too-a man being
born again-at my age, But that's
Just 1t. am trying to win back al
/ that I'd let slip--strengt tn self-reliance,
manhood. l can only do 1t my own
way-by depending on myself alone"
And then, for the third time. Lizzie
heard the same appeal. Mr. Jack HIM
self asked her to take an interest IN
him.
4 help-from your father, or from you.
If you want to help me--and l WISH
| you would-dont send me back to
mamma and papa-but Keep me here,
and keep my neck we'll into the collar.
| Think for me that way" and he LAID
his hand upon his heart and bowed.
Miss Lizzie, you won't take your
cue. You were kinder TO me in the
| old days. You can't remember your
lline. Nay. sir. take you not to be
| my friend That was it. You don
say It, Miss L'zzie---but you act is--and
I often wonder why.
Mr.. Crunden, returning, interrupted
| the conversation. MIR. Crunden was
| fubilant, rubbing his hands and chuck
! ling-pleascd with himself. pleased
with his clerk. pleased with every
body. 49,,
paint It up" he cried jovialiy. "Aii
a. Iv
sir. Sharp's the word, quick's the mo-
ton. You tackled our friend proper.
-. Liz, Lot gone, and more TO fol-
low. And now we'll pass on 20
something else. Something ! want TO
discuss over our tea. It's this: GfISgS
/ have written to me again very press
I ing-they want 70 hold q Markee sale
on the estate. / don't say yes TO tilr
| idea. and l don't say no. want TO
discuss it-befcre I put on my coa-
siderlns cap
CHAPTER XIV.
Jack had said it is great thing to
keep moving. and, although SO devoid
of experience IN relation to land and
building speculations, he had here ,in-
doubtedly stumbled upon prime
truth. For complete and striking sue
cess with any land development scheme.
there must be no delay: you must
march forward to the appointed goal
without long halts or even FREQUENT
brief patses occasioned by meeting
unforeseen obstacles. Time is money
all tho way. II me. therefore-tme To
gain or time TO lose-was the matter
to be first thought of whenever Mr..
Crunden put OH his considering cap.
This was his position financially.
Such backing rs was necessary he
obtained from The Medford District
United Bank. He could have raised
money through solicitors who make ii
thn,r business to finance builders, etc..
but lie had seen too much OF the trou-
Bile and dscomforture that come with
that form OF support. Bank aid is
dear; but it is the safest aid you can
seek, and, for q sound operation. 1t is.
the cheapest in the end. To his good
bank friends he had gone then, after
boldly bidding $4,000 for Hill Rise,
He was worth 100000 to $4,000 him-
self; all else must be supplied by the
bank. He began to sell his property
without an hours delay: realizing all
his stocks and shares, and going slow
only with his ground rents, which. Of
course, cannot be sold In tearing
hurry. He soon had f22.00O in hand:
and the balance Of $4,000, with
further $4,000 for working capital, he
borrowed from the bank on the secu-
rlty of>the title deeds OF Hill Rise.
Nothing could have been better than,
the treatment Of Mr.. Crunden by the
bank authorities. a solid man to deal.
with, no risk to then1--why not? They
fell In with all his views and this was
the method adopted for the perfectly
Legitimate transaction. The bank
agreed to let the loan take the form,
of an overdraft, with maximum Of.
100000 which maximum was to be.
reduced by mininums of $1,000 every
three months; but Mr.. Crunden was
free to pay off as much as he liked.
whenever he liked. The bank com.
pleted the purchase for him, and res
ceived the deeds from his London So
licitor. Then such copies were taken
as Mr.. Eaton required for preparirA
conveyances OF the buildingt plots; ami
then the deeds went down into the
banks strong and dark room, never to
emerge and rise into the light again
until the bank book showed Mr.. Crun-
den's. balance on the right hand In
istead Of the letfhand page.
The deeds would soon come out--NI
Crunden felt no quulms; Mr.. Bowling
WAS hubbling over with enthusiasm.
BY realization OF the remainder OF his
old ground rents, Mr.. Crunden would
steadily reduce the overdraft; by sale
of eligible plots, of nil buildings that
he himself put up. OF each new ground
lease S'as created, he would make FUR;
fther speedy reductions; and washing
one hand with the other, wipe off. the Il
balance ard get clear again. In twoi
years--tf ull went wsell--lle should be
able to say to the United Banks Good
morning and many thanks to you.
Then would come the grateful task
Of bringing home once more his OWN
deep-sunls money; ana then fnally,,
the reaping of the golden harvest Of |
clean profit "A big profit hanging to
tt--somethlng really big! .You see,,"
said the enthusiastic Bowling, stwe8
can't go wrong, because OF the tre-
mendous vide margin That's what
attracted ms from the first
a Second only to time, as a matter 70,
consideration in every development &
scheme-after careful estimate OF eli
conceivable adverse conditions--tllt