When the time came for making the first payment, my portion was two hundred and seventeen and a half dollars.
I boldly decided to apply to the local banker, Mr.Lloyd, for a loan of that sum.

I explained the matter to him, and I remember that he put his great arm (he was six feet three or four) around me, saying: "Why, of course I will lend it.

You are all right, Andy." And here I made my first note, and actually got a banker to take it.

A proud moment that in a young man's career! The sleeping-cars were a great success and their monthly receipts paid the monthly installments.

The first considerable sum I made was from this source.
[To-day, July 19, 1909, as I re-read this, how glad I am that I have recently heard from Mr.Lloyd's married daughter telling me of her father's deep affection for me, thus making me very happy, indeed.] One important change in our life at Altoona, after my mother and brother arrived, was that, instead of continuing to live exclusively by ourselves, it was considered necessary that we should have a servant.