The Rothschilds made government loans popular—before this, kings got their cash mostly by coercion.

For their services the Rothschilds asked only the most modest fee—a fee so small it was absurd—a sixteenth of one per cent, or something like that.

It is safe to say that only one Government in the world, at some time or other from Eighteen Hundred Fifteen to Eighteen Hundred Seventy, never courted the Rothschilds with "intentions."

America never quite forgot, nor forgave, that Hessian incident, and the Rothschilds were never asked for favors by your Uncle Samuel.

There were four generations of Rothschilds, among whom there have been very able men. This beats the rule by three generations, and the record by one.

The Frankfort House of Rothschild was dissolved in Nineteen Hundred One. The London firm still continues, but I am advised that the Rothschilds, while interesting in a historic way, are no longer looked upon as a world power.

Letizia, the mother of ten, is worthy of more space than I am able here to give her. There are those who say she was the real founder of the House of Rothschild. She died aged exactly one hundred, in the Red Shield, where she was married and where all of her children were born.

She outlived the fall of Napoleon just forty years. She had a fine and pardonable pride in her kingly sons.

Politics and world problems interested her. She was sane and sensible and happy to the last.



PHILIP D. ARMOUR

Anybody can cut prices, but it takes brains to make a better article.

—Philip D. Armour



Philip D. Armour was born on May Sixteenth, Eighteen Hundred Thirty-two, near the little village of Stockbridge, New York. He died at Chicago, January Sixth, Nineteen Hundred One. The farm owned by his father was right on the line between Madison and Oneida Counties. The boys used to make a scratch in the road and dare the boys from Madison to come across into Oneida. The Armour farm adjoined the land of the famous Oneida Community, where was worked out one of the most famous social experiments ever attempted in the history of civilization. However, the Armour family constituted a little community of its own, and was never induced to abandon family life for the group. Yet, for John Humphrey Noyes, Danforth Armour always had great respect. But he was philosopher enough to know that one generation would wind up the scheme, for the young would all desert, secrete millinery, and mate as men and young maidens have done since time began. "Oneida is for those whose dream did not come true—mine has," he said.

The Armours of Stockbridge traced a pedigree to Jean Armour, of Ayr, brown as a berry, pink and twenty, sweet and thrifty, beloved of Bobbie Burns.

The father of Philip was Danforth Armour, and the father of Danforth Armour was James Armour, Puritan, who emigrated from the North of Ireland. James settled in Connecticut and fortified his Scotch-Irish virtues with a goodly mixture of the New England genius for hard work, economy and religion. His grandfather had fought side by side with Oliver Cromwell and had gone into battle with that doughty hero singing the songs of Zion. He was a Congregationalist by prenatal influence. And I need not here explain that the love of freedom found form in Congregationalism, a religious denomination without a pope and without a bishop, where one congregation was never dictated to nor ruled by any other. Each congregation was complete in itself—or was supposed to be.

This love of liberty was the direct inheritance of James Armour. It descended to Danforth Armour, and by him was passed along to Philip Danforth Armour. All of these men had a very sturdy pride of ancestry, masked by modesty, which oft reiterated: "Oh, pedigree is nothing—it all lies in the man. You do or else you don't. To your quilting, girls—to your quilting!"

When Nancy Brooks was beloved by Danforth Armour the Fates were propitious. The first women schoolteachers in America evolved in Connecticut. Miss Brooks was a schoolteacher, the daughter of a farmer for whom Danforth Armour worked as hired man.

Danforth was given to boasting a bit as to the part his ancestors had played as neighbors to Oliver Cromwell at the time, and the only time, when England was a republic.

Miss Brooks did not like this kind of talk and told the young man so straight at his red head. The Brooks family was Scotch, too, but they had fought on the side of Royalty. They were never rebels—they were true to the King—exactly so!

Now, there are two kinds of Scotch—the fair and the dark—the Highland and the Lowland—the Aristocrats and the Peasantry. Miss Brooks was dark, and she succeeded in convincing the freckled and sandy-haired man that he was of a race of rebels, also that the rule of the rebels was brief—brief, my lord, as woman's love. Then they argued as to the alleged brevity of woman's love.

Here they were getting on dangerous ground. Nature is a trickster, and she spread her net and caught the Highland maid and the Lowland laddie, and bound them with green withes as is her wont. So they were married by the Congregational "meenister," and for a wedding-tour fared forth Westward to fame and fortune. "Out West" then meant York State, and the "Far West" was Ohio. They reached Oneida County, New York, and stopped for a few days ere they pushed on to the frontier. The site was beautiful, the location favorable. And the farmer at whose house they were making their stay was restless and wanted to sell out.

That night the young couple talked it over. They had a few hundred dollars saved, sewed in a belt and in a dress bodice. They got the money out and recounted it. In the morning they told their host how much money they had and offered to give him all of this money for his farm. He was to leave them a yoke of oxen, a cow, a pig and six sheep.

He accepted the offer, the money was paid, the deed made out and the man vacated, leaving the bride and groom in possession.

So here they lived their lives; here they worked, planned, aspired and prospered; here, too, their children were born and raised; and down at the little village cemetery they sleep, side by side. In life they were never separated and in death they are not divided.

* * * * *

"The first requisite in education," said Herbert Spencer, "is that man shall be a good animal."

Philip D. Armour fulfilled the requirements.

He was dowered with a vital power that fed his restless brain and made him a regular dynamo of energy for sixty-nine years—and with a little care at the last should have run for ninety years with never a hotbox.

He used to say, "If my ancestors had been selected for me by Greek philosophers, specialists in heredity, they could not have done better. I can not imagine a better woman than my mother. My childhood was ideal. God did not overlook me."

Well did this happy, exuberant, healthy man say that his parentage and childhood environment were ideal. Here was a family of six boys and three girls, brought up on a beautiful hillside farm amid as peaceful and lovely a landscape as ever the sun shone upon. Down across the creek there were a hundred acres of bottom-land that always laughed a harvest under the skilful management of Danforth Armour. Yet the market for surplus products was distant, so luxury and leisure were out of the question. And yet work wasn't drudgery. Woods, hills, running streams, the sawmill and the gristmill, the path across the meadow, the open road, the miracle of the seasons, the sugar-bush, the freshet that carried away the bridge, the first Spring flowers peeping from beneath the snow on the south side of rotting logs, the trees bursting into leaf, the hills white with blossoms of wild cherry and hawthorn, the Saturday afternoon when the boys could fish, the old swimming-hole, the bathing of the little ones in the creek, the growing crops in the bottom-land, bee-trees and wild honey, coon-hunts by moonlight, the tracks of deer down by the salt-lick, bears in the green corn, harvest-time, hog-killing days, frost upon the pumpkin and fodder in the shock, wild turkeys in the clearing, revival-meetings, spelling-bees, debates at the schoolhouse, school at the log schoolhouse in Stockbridge, barn-raisings, dances in the new barn, quilting-bees, steers to break, colts to ride, apple butter, soft soap, pickled pigs' feet, smoked hams, side-meat, shelled walnuts, coonskins on the barn-door, Winter and the first fall of snow, boots to grease, harness to mend, backlogs, hickory-nuts, cider, a few books and all the other wonderful and enchanting things that a country life, not too isolated, brings to the boys and girls born where the rain makes musical patter on the roof and the hand of a loving mother tucks you in at night!

Here was a mother who gave to the world six sons, five of whom grew to an honored manhood and proved themselves men of power. One of the girls, Marietta, was a woman of extraordinary personality, as picturesquely heroic as Philip Armour, himself.

This mother never had a servant-girl, a laundress or a dressmaker. The manicure and the beauty-doctor were still in the matrix of time, as yet unguessed.

On Sunday there was a full wagonload of Armours, big and little, to go to the Congregational Church at Stockbridge. Let us hope the wagon was yellow and the horses gray.

Do not imagine that a family like this is lonely. There is constant work; the day is packed with duties, and night comes with its grateful rest. There is no time to be either bad or unhappy, nor is there leisure to reflect on your virtues. No one line of thought receives enough attention to disturb the balance of things. To be so busy that you "forget it" is very fortunate. The child brought up with a happy proportion of play and responsibility, of work and freedom, of love and discipline, has surely not been overlooked by Providence.

The "problem of education" is a problem only to the superlatively wise and the tremendously great. To plain people life is no problem. Things become complex only when we worry over them.

So the recipe for educating children is this: Educate yourself.

* * * * *

When Philip D. Armour was nineteen the home nest seemed crowded.

The younger brothers were coming along to do the work, and the absence of one "will be one less to feed" he said to his mother.

The gold-fields of California were calling. This mother was too sensible and loving to allow her boy to run away—if he was going, he should go with her blessing. She got together a hundred dollars in cash. With this and a pack on his back Philip started on foot for the land of Eldorado. Four men were in the party, all from Oneida County.

He walked all the way and arrived on schedule, after a six months' journey. Philip was the only one in the party who did not grow sick nor weary. One died, two turned back, but Philip trudged on with the procession that seemed to increase as it neared the gold-fields.

Arriving in California, this very sensible country boy figured it out that mining was a gamble. A very few grew rich, but the many were desperately poor. Most of those who got a little money ahead spent it in prospecting for bigger finds and soon were again penniless. He decided that he would not bet on anything but his own ability. Instead of digging for gold, he set to work digging ditches for men who had mines, but no water. This making ditches was plain labor, without excitement, chance or glamour. You knew beforehand just how much you would make. Philip was strong and patient; he could work from sunrise to sunset.

He was paid five dollars a day. Then he took contracts to dig ditches, and sometimes he made ten dollars a day. Parties who were "busted" and wished to borrow were offered a job. He set them to work and paid them for what they did, and no more. It was all a question of mathematics. In five years Philip Armour had saved eight thousand dollars. It was enough to buy the best farm in Oneida County, and this was all he wanted. There was a girl back there who had taunted him and dared him to go away and make his fortune. They parted in a tiff—that's the way she got rid of him. There was another man in the case, but Philip was too innocent to know this. The peaceful hills of New York lured and beckoned. He responded to the call and started back home. In half the time it took to go, he had arrived. But alas, the hills had shrunken. The mighty stream that once ran through Stockbridge was but a rill.

And the girl—the girl had married another—a worthy horse-doctor. Philip called on her. She was yellow and tired and had two fine babies. She was glad to see her old friend Philip, but the past was as dead to her as the present. In her handgrasp there was no thrill. She had given him a big chase; and soon his sadness made way for gratitude in that she had married the horse-doctor. He gave them his blessing. Philip looked around at farms—several were for sale, but none suited him.

On the way back from California he had traveled by way of the Great Lakes and stopped two days at Milwaukee. It was a fine city—a growing place, the gateway of the West and the market-place where the vessels loaded for the East.

Milwaukee had one rival—Chicago, eighty-five miles south.

Chicago, however, was on low, flat, marshy ground. It would always be a city, of course, because it was the end of navigation, but Milwaukee would feed and stock the folks who were westward bound. So to Milwaukee went Philip Armour, resolved there to stake his fortune in trade. Opportunity offered and he joined with Fred B. Miles, on March First, Eighteen Hundred Fifty-nine, in the produce and commission business. Each man put in five hundred dollars. The business prospered. One of the great products in demand was smoked and pickled meats. At that time farmers salted and smoked hams and brought them to town, with furs, pelts and bags of wheat.

All the tide of humanity that streamed into Milwaukee, westward bound, bought smoked or pickled meats—something that would keep and be always handy.

These were Winter-packed. The largest packer was John Plankinton, who was a success. John was knowing, and he made Phil. Armour his junior partner, as Plankinton and Armour. Then business sizzled. They were at the plant at four o'clock in the morning. They discovered how to make a hog yield four hams. Our soldiers needed the hams and the barreled pork, so shortly more hogs came to market. The War's end found the new firm much stronger and well stocked with large orders for mess-pork, sold for future delivery at war-time prices, which contracts they filled at a much lower cost and to their financial satisfaction. Their guesser was good and they prospered.

Meantime, the city of Chicago grew faster than Milwaukee. There was a rich country south of Chicago, as well as west, and of this Philip Armour had really never thought.

Chicago was a better market for pickled pork and corned beef than Milwaukee, as more boats fitted out there, and more emigrants were landing on their way to take up government land.

One of Mr. Armour's brothers, Joe, was a packer in Chicago. Another brother, H. O., was in the commission business there. Joe's health, it seems, was pretty bad, so in Eighteen Hundred Seventy, Philip Armour came to Chicago, and shortly the house of Armour and Company came into being—H. O. Armour going to New York to look after Eastern trade and financing. In those days branch houses were unknown and packing-house products were handled by jobbers.

* * * * *

The Father of the Packing-House Industry was Philip Danforth Armour. The business of the Packing-House Industry is to gather up the food-products of America and distribute them to the world.

Let the fact here be stated that the world is better fed today than it ever has been since Herodotus sharpened his faber and began writing history, four hundred fifty years before Christ. In this matter of food, the danger lies in overeating and not in lack of provender.

The business of Armour and Company is to buy from the producer and distribute to the consumer. So Armour and Company have to satisfy two parties—the producer and the consumer. Both being fairly treated have a perfect right to grumble.

The buyer of things which Nature forces the man to buy, is usually a complainer, and he complains of the seller because he is near, just as a man kicks the cat and takes it out on his wife, or the mother scolds the children.

To the farmers, Armour used to say with stunning truth, "You get more for your produce today than you got before I showed up on the scene; and you get your money on the minute, without haggle or question. I furnish you an instantaneous market."

To the consumer he said: "I supply you with regularity and I give you quality at a price more advantageous to you than your local butcher can command. My profit lies in that which has always been thrown away. As for sanitation, go visit your village slaughter-house and then come and see the way I do it!"

Upton Sinclair scored two big points on Packingtown and its Boss Ogre. They were these: First, the Ogre hired men and paid them to kill animals. Second, these dead animals were distributed by the Ogre and his minions and the corpses eaten by men, women and children. It was a revolting revelation. It even shook the nerves of a President, one of the killingest men in the world, who, not finding enough things to kill in America, went to Africa to kill things.

"You live on the dead," said the Eastern pundit, reproachfully, out of his yellow turban, to the American who had just ordered a ham-sandwich. "And you eat the living," replied the American, as he handed a little hand-microscope to the pundit and asked him to focus it upon his dinner of dried figs. The pundit looked at the figs through the glass, and behold, they were covered with crawling, wiggling, wriggling, living life! And then did the man from the East throw the microscope out of the window, and say, "Now there are no bugs on these figs!"

That which we behold too closely is apt to be repulsive. Fix your vision upon any of the various functions of life and the whole thing becomes disgusting, especially so if we contemplate the details of existence in others. Personally, of course, we, ourselves, in thought and action are sweet and wholesome—but the others, oh, ah, bah, phew, ouch, or words to that effect!

Armour's remark about the village slaughter-house was getting close home. If bad meat was ever put out, it was from these secret places, managed by one or two men who did things in their own sweet way. Their work was not inspected. They themselves were the sole judges. There were not even employees to see and blackmail them if they failed to walk the chalk-line. They bought up cattle, drove them in at night and killed them. No effort was made to utilize the blood or offal and this putrefying mass advertised itself for miles. Savage dogs and slaughter-houses go together, as all villagers know, and there were various good reasons why visitors didn't go to see the local butcher perform his pleasing obligations.

The first slaughter-houses in Chicago were just like those in any village. They supplied the local market.

At first the offal was simply flung out in a pile. Then, when neighbors complained, holes were dug in the prairie and the by-product buried. About Eighteen Hundred Eighty-two, a decided change in methods occurred. The first thing done was to dry the blood, bones and meat-scrap, and sell this for fertilizer. Next came the scientific treatment of the waste for glues and other products. Chemists were given a hearing, patient and most courteous.

One day Armour beckoned C. H. MacDowell into his private office and said, "I say, Mac, if a man calls who looks like a genius or a fool, wearing long hair, whiskers and spectacles, treat him gently—he's a German and may have something in his head besides dandruff." MacDowell is one of the Big Boys at Armour's. He was a stenographer, like my old Bryant and Stratton chum, Cortelyou, and in fact is very much such a man as Cortelyou. "Mac" is the head of the Armour Fertilizer Works and is distressed because he can't utilize the squeal—so much energy evaporating. It is his business to capitalize waste.

It was the joke of the place that if a German chemist arrived, all business was paralyzed until his secret was seized. Jena, Gottingen and Heidelberg became names to conjure with. Buttons were made from bones, glue from feet, combs and ornaments from horns, curled hair from tails, felt from wool, hair was cured for plaster, and the Armour Fertilizer Works slowly became grounded and founded on a scientific basis, where reliable advice as to growing cotton, rice, yams, potatoes, roses or violets could be had.

"Meat" is the farmer's product. This meat is consumed by the people. One-half of our population are farmers, and all farmers raise cattle, sheep, poultry and hogs. Trade follows the line of least resistance; and the natural thing is for the local butcher to slaughter, and supply his neighborhood. There is only one reason why the people in East Aurora should buy meat of Armour, as they occasionally do, and that is because Armour supplies better meat at a lower price than we can produce it. If Armour is higher in price than our local butcher, we buy of the local man. The local butcher fixes the price, not Armour, and the local farmer fixes the price for the local butcher. Armour always and forever has to face this local competition.

"I am in partnership with the farmer," Philip Armour used to say. "Their interests are mine and their confidence and good-will I must merit, or over goes my calabash."

The success of capital lies in ministering to the people, not in taking advantage of them. And every successful business house is built on the bed-rock of reciprocity, mutuality and co-operation. That legal Latin maxim, "Let the buyer beware," is a legal fiction. It should read, "Let the seller beware," for he who is intent on selling the people a different article from what they want, or at a price beyond its value, will stay in trade about as long as that famous snowball will last in Biloxi.

* * * * *

Besides being father of the Packing-House industry, Philip D. Armour was a manufacturer of and a dealer in Portable Wisdom. His teeming brain took in raw suggestions and threw off the completed product in the form of epigrams, phrases, orphics, symbols. To have caught these crumbs of truth that fell from the rich man's table might have placed many a penny-a-liner beyond the reach of mental avarice. One man, indeed, swept up the crumbs into a book that is not half crumby. The man is George Horace Lorimer, and his book is called, "Letters of a Self-Made Merchant to His Son." Lorimer was a department-manager for Armour and busied himself, it seems, a good deal of the time, in taking down disjecta, or the by-product of business. Armour was always sincere, but seldom serious. There is a lot of quiet fun yet among the Armour folks. When the Big Boys dine daily together, they always pass the persiflage. Lorimer showed me a bushel of notes—with which he proposes some day to Boswellize his former Chief. Incidentally, he requested me never to mention it, but secrets being to give away, I state the fact here, in order to help along a virtuous and hard-working young man, the son of the Reverend Doctor George C. Lorimer, a worthy Baptist preacher.

"Keep at it—do not be discouraged, Melville—a preacher's son is usually an improvement on the sire," said Philip D. Armour to Melville Stone, who was born at Hudson, McLean County, Illinois, the son of a Presiding Elder.

"I'm not worrying," replied the genealogical Stone. "You and I were both born in log houses, which puts us straight in line for the Presidency." "Right you are, Melville, for a log house is built on the earth, and not in the clouds." Then this came to Armour, and he could not resist the temptation to fire it: "Boys, all buildings that really endure are built from the ground up, never from the clouds down."

No living man ever handed out more gratuitous advice than Philip Armour. He was the greatest preacher in Chicago. With every transaction, he passed out a premium in way of palaver. He loved the bustle of business, but into the business he butted a lot of talk—helpful, good-natured, kindly, paternal talk, and often there was a suspicion that he talked for the same reason that prizefighters spar for time. "Here, Robbins, get off this telegram, and remember that if the rolling stone gathers no moss, it at least acquires a bit of polish."

"Say, Urion, if you make a success as my lawyer you have got to get into the rings of Orion; be there yourself, the same as the man that's to be hanged. You can't send a substitute."

To Comes—now Secretary of Armour and Company—"I suppose if I told you to jump into the lake you'd do it. Use your head, young man—use your skypiece!" And he did. This preaching habit was never pedantic, stiff or formal—it gushed out as the waters gushed forth from the rock after Moses had given it a few stiff raps with his staff. Armour called people by their first names as if they all belonged to his family, as they really did, for all mankind to him were one. He thought in millions, where other big men thought in hundreds of thousands, or average men thought in dozens.

"Hiram," he once said to the Reverend Hiram W. Thomas—for when he met you, you imagined he had been looking for you to tell you something—"Hiram, I like to hear you preach, for you are so deliberate that as you speak I am laying bets with myself as to which of a dozen things you are going to say. You supply me lots of fun. I can travel around the world before you get to your firstly."

For all preachers he had a great attraction, and it wasn't solely because he was a rich man. He supplied texts, and he supplied voltage. Most men put on a pious manner and become hypocritically proper when a preacher joins a group, but not so Philip Armour. If he used a strong word, or a simile uncurried, it was then. They liked it.

"Mr. Armour, you might use a little of your language for fertilizer, if times were hard," once said Robert Collyer. He answered, "Robert, I'm fertilizing a few of your fallow acres now, as any one who goes to hear you preach next Sunday will find out, if they know me."

A committee of four preachers once came to him from a country town a few miles out of Chicago, asking him to pay off the debt on their churches. It seems they had heard of the Armour benevolence and decided to beard the lion in his den. He listened to the plea, and then figured up on a pad the amount of the debt. It was fifteen hundred dollars. The preachers were encouraged—they had the ejaculation, "God bless you!" on tap, when Mr. Armour said: "Gentlemen, four churches in a town the size of yours are too many. Now, if you will consolidate and three of you will resign and go to farming, I'll pay off this debt now." The offer was not accepted.

When Armour was asked to subscribe one thousand dollars to a fund to provide an auditorium and keep Professor Swing in Chicago, Swing having just been tried for heresy, he said: "Chicago must not lose Swing—we need him. If I had a few of his qualities, and he had a few of mine, there would be two better men in Chicago today. Yes, we must keep Swing right here. Put me down for a thousand. I don't always understand what Swing is driving at, but that may be my fault. And say, if you find you need five thousand from me, just let me know, and the money is yours."

There is no use trying to work the apotheosis of Philip D. Armour: he was in good sooth a man. "I make mistakes—but I do not respond to encores," he used to say. When a man told of spending five thousand dollars on the education of his son, Armour condoled with him thus: "Oh, never mind, he'll come out all right—my education is costing me that much every week."

One of the Big Boys at Armour's is a character called "Alibi Tom." Time has tamed Alibi, but when he was twenty-two—well, he was twenty-two.

Now Philip Armour was an early riser, and at seven o'clock he used to be at the office ready for business, the office opening at eight. Sometimes he would come even earlier, and if he saw a clerk at work before eight, he might, under the inspiring spell of the brisk early-morning walk, step over and give the fellow a five-dollar bill.

Well, Alibi had never gotten one of these five-dollar bills, because he was usually in just before Saint Peter closed the gate. Several times he had been reproved, and once Mr. Armour had said, "Tom, be late once more and you are a has-wazzer." Shortly after this, one night, Alibi Tom had a half-dozen stockmen to entertain. They had gone to Hooley's and Sam T. Jack's, then to the Athletic Club and then they called on Hinky Dink and "Bath-House John," the famous Cook County literary light. Where else they had gone they could not remember.

It was about three o'clock in the morning, when it came over Tom like a pall that if he started for home now and went to bed he would surely be late again and it might cost him his job.

He proposed that they make a night of it. The stockmen were quite willing. They headed for the Stockyards, stopping along the way to make little visits on certain celebrities. At five o'clock they reached the Armour plant, and Tom stowed his friends away with the help of a friendly watchman. Then he made for the shower-bath, rubbed down, drank two cups of coffee and went to his desk. It was just six-thirty, and being Winter, was yet dark. He hadn't any more than yawned twice and stretched himself, wondering if he could hold out until noon, when he heard the quick step of "the old man." Tom crouched over his pretended work like a devilfish devouring its prey. He never looked up, he was that busy.

Mr. Armour stopped, stared, came closer—yes, it was Tom, the late Alibi Tom, the chronic delinquent.

"Well, well, well, Tom, the Lord be praised! You have given yourself a hunch at last—keep this!" And Armour handed out a brand-new, crisp, five-dollar bill.

Tom had now set a stake for himself—and it was up to him to make good, die or hike. He decided to make good. The next month his pay was raised twenty-five dollars, and it has been climbing a little every year since.

* * * * *

Philip D. Armour was a man of big mental and physical resources—big in brain, rich in vital power, bold in initiative, yet cautious.

He had two peculiar characteristics—he refused to own more land than he could use.

His second peculiarity was that his only stimulant was tea. If he had an unusually big problem to pass upon, he cut down his food and increased his tea. Tea was his tipple. It opened up his mental pores and gave him cosmic consciousness. Armour had so much personality—so much magnetism—that he had but few competitors in his business. One of these was Nelson Morris.

Now, Morris was a type of man that Armour had never met. Morris was a Jew, a Bavarian, who affected music, art and philosophy. Nelson Morris, small, smooth of face, humming bars from Bach and quoting Schopenhauer, buying hogs at the Chicago Stockyards and then killing these hogs for the gastronomical delectation of Christians, was a sort of all-round Judaic genius.

The Mosaic Law forbids the Jews eating pork, but it places no ban or bar on their dealing in it. Nelson Morris bought hogs at four A. M., or as soon as it was light. Armour found him at it when he arrived, and Philip Armour was usually the earliest bird on the job. Yet Armour wasn't afraid of Morris—the Jew merely perplexed him. One day Armour said to MacDowell, his secretary, "I say, Mac, Nelson doesn't need a guardian!"

The Jew was getting on the Armour nerves—just a little. Armour was always on friendly terms with his competitors. As a matter of fact, he was on friendly terms with everybody—he had no grouch and never got in a grump. Socially he was irresistible. He got up close—invited confidence—made friends and held them. There was never a man he wouldn't speak to. He was above jealousy and beyond hate; yet, of course, when it came to a show-down, he might hit awfully hard and quick, but he always passed out his commercial wallop with a smile.

When Sullivan met Corbett at New Orleans, Gentleman Jim landed the champion a terrific jolt with his right, smiled sweetly and said, "To think, John, of your coming all the way from Boston to get that—also this"; then he gave him another with his left. One morning, at daylight, when Morris got to the Stockyards, he found all the pens empty.

Armour and his pig-buyers had been around with lanterns all night hunting up the owners and bulling the market. "To think," said Armour to Morris, "to think of your coming all the way from Bavaria hoping to get the start of me!" Both men smiled serenely. The next week whole train-loads of pigs were coming to Chicago consigned to Nelson Morris. He had sent his agents out and was buying of the farmers, direct.

Soon after, Armour casually met Morris and suggested that they lunch together that day. The Jew smiled assent. He had scored a point—Armour had come to him.

So they lunched together. The Jew ate very little. Both men talked, but said nothing. They were waiting. The Jew ate little, but he drank three cups of tea.

Armour insisted on paying the check, excused himself somewhat abruptly, and hurried to his office. He sent for his lieutenants. They came quickly, and Armour said: "Boys, I've just lunched with Nelson Morris. I think we'd better come to an understanding with him as to a few things we shall do and a few we shall not do—he drinks nothing but tea."

* * * * *

Prior to the invention of the refrigerator-car, the business of the packer was to cure salt meats and pack them for transportation. Besides this, he supplied the local market with fresh meats.

Up to the early Eighties fresh meat was not shipped any distance except in midwinter, and then as frozen meat. Surplus Western cattle were shipped East alive—and subject to heavy risks, shrinkage and expense. About fifty per cent of the live weight was dressed beef—balance non-edible—so double freight was paid on the edible portion. Could this freight be saved? About this time Hammond, of Detroit, mounted a refrigerator on car-wheels, loaded it with dressed beef and headed it for New York, where the condition of the meat on arrival satisfied every one in the trade except the local slaughterer.

The car was crude—but it turned the trick—a new era had arrived. The corn-belt came into its own. "Corn was King"—the steer, the heir apparent.

Phil Armour saw the point. Pay freight on edible portions only. Save the waste. Make more out of the critter than the competitor can. Pay more for him—get him. Sell the meat for less. Get the business—grow. And he got busy perfecting the refrigerator-car.

Armour called together railroadmen and laid the project before them. They objected that a car, for instance, sent from Chicago to New York would require to be iced several times during the journey, otherwise there might be the loss of the entire load. A car of beef was worth fifteen hundred dollars. The freight was two hundred dollars or less. The railroadmen raised their hands in horror. Besides transporting goods they would have to turn insurance company. Armour still insisted that they could and should provide suitable cars for their patrons.

The railroadmen then came back with this rejoinder: "You make your own cars and we will haul them, provided you will ask us to incur only the ordinary risks of transportation." Armour accepted the challenge—it was the only thing to do. He made one car, and then twenty.

Fresh beef was shipped from Chicago to New York, and arrived in perfect order. To ship live cattle long distances, he knew was unwise. And he then declared that Omaha, Kansas City, Saint Paul and various other cities of the West would yet have great slaughter-houses, where livestock could be received after a very short haul. The product could then be passed along in refrigerator-cars, and the expense of ice would not be so much as to unload and feed the stock. But better than all, the product would be more wholesome.

Armour began to manufacture refrigerator-cars. He offered to sell these to railroad-companies. A few railroads bought cars, and after a few months proposed to sell them back to Armour—the expense and work of operating them required too much care and attention. Shippers would not ship unless it was guaranteed that the car would be re-iced, and that it would arrive at its destination within a certain time.

In the Fall, fresh peaches were being shipped across the lake to Chicago from Michigan. If the peaches were one night on the way they arrived in good order.

This gave Armour an idea—he sent a couple of refrigerator-cars around to Saint Joseph, loaded them with fresh peaches, and shipped them to Boston. He sent a man with the cars who personally attended to icing the cars, just as we used to travel in the caboose to look after the livestock. The peaches reached Boston, cool and fresh, and were sold in an hour at a good profit. At once there was a demand for refrigerator-cars from Michigan: the new way opened the markets of America to the producer of fruits and vegetables. There was a clamorous demand for refrigerator-cars.

The reason a railroad can not afford to have its own refrigerator-cars is because the fruit or berry season in any one place is short. For instance, six weeks covers the grape period of the Lake Erie grape-belt; one month is about the limit on Michigan peaches; strawberries from Southern Illinois are gone in two or three weeks.

Therefore, to handle the cars advantageously, the railroads find it much better to rent them, or simply to haul them on a mileage. The business is a specialty in itself, and requires most astute generalship to make it pay. Cars have to be sent to Alabama in February and March; North Carolina a little later; then West Virginia. These same cars then do service in the Fall in Michigan. It naturally follows that much of the time cars have to be hauled empty, and this is a fact that few people figure on when computing receipts from tonnage. Now, instead of the good old way of sending a man in charge, there are icing-stations, where the car is looked for, thoroughly examined and cared for as a woman would look after a baby. In order to bring apples from Utah to Colorado, and oranges from California to Arizona, icehouses have to be built on the desert at vast expense. And this in a climate where frost is unknown.

To work the miracle of modern industrialism requires the help of bespectacled scientists from Germany, and a fine army of artists, poets, painters, plumbers, doctors, lawyers, beside the workers in wood and metals.

The whole business is a creation, and a beneficent one. It has opened up vast territories to the farmer, gardener and stock-raiser, where before cactus and sagebrush were supreme; and the prairie-dog and his chum, the rattlesnake, held undisputed sway.

To the wealth of the world it has added untold millions, not to mention the matters of health, hygiene and happiness for the people.

* * * * *

The Scotch-Irish blood carries a mighty persistent corpuscle. It is the blood that made the Duke of Wellington, Lord "Bobs," Robert Fulton, James Oliver, James J. Hill, Cyrus Hall McCormick and Thomas A. Edison. It makes fighters, inventors and creators—stubborn men who never know when they are licked. They can live on nothing and follow an idea to its lair. They laugh at difficulties, grow fat on opposition, and obstacle only inspires them to renewed efforts.

Yet their fight is fair, and in the true type there is a delicate sense of personal honor which only the strong possess. Philip D. Armour's word was his bond. He never welched, and even his most persistent enemies never accused him of double-dealing. When he fought, it was in the open, and he fought to a finish. Then when his adversary cried, "Enough!" he would carry him in his arms to a place of safety and bind up his wounds. Rightly approached his heart was as tender as a girl's.

In business he paid to the last cent; and he expected others to pay, too. For clerks in a comatose state, and the shirker who would sell his labor and then connive to give short count, he had no pity; but for the stricken or the fallen, his heart and his purse were always open. He gloried in work and could not understand why others should not get their enjoyment out of it also.

He kept farmers' hours throughout his life, going to bed at nine o'clock and getting up at five. He prized sleep—God's great gift of sleep—and used to quote Sancho Panza, "God bless the man who first invented sleep."

Yet he slept only that he might arise and work. To be well and healthy and strong and joyous was to him not only a privilege but a duty. If he used tobacco it was never during business hours. For strong drink he had an abhorrence, simply because he thought it useless, save possibly as a medicine, and he believed that no man would need medicine if he lived rightly.

Philip Armour foresaw the possibilities of the West and the Northwest, and in company with Alexander Mitchell, "Diamond Joe" Reynolds, Fred Layton, John Plankinton and others, took great personal pride in the upbuilding of the country. He was possessed of an active imagination. In a bigger, broader sense he was a dreamer. In his every action and thought he was a doer. He was very fond of children and would drop almost any work he had in hand to talk for a few minutes with a small boy or girl. He kept a stock of small Swiss watches in his desk to present to his junior callers. His great hobby was presenting his men with a suit of clothes should they suggest anything out of the ordinary or do anything which attracted his commendation. Nearly all of those close to him were presented with gold watches.

It was in the late Seventies. Mr. Armour, with officials, was inspecting the Saint Paul Railway. A rumor was circulated that Armour and Company was in financial trouble, and Mr. Armour was so advised. His return was so prompt that it was suggested that he must have come down over the wire. He was very much incensed, and his first query was as to who had started the rumor.

The president of a Chicago bank had loaned Armour and Company one hundred thousand dollars, note due in ninety days. For some reason known only to himself, he had made a demand on the cashier for the payment of this note some sixty days before it was due, and very naturally, in the absence of Mr. Armour, did not get his money.

Everett Wilson at that time was a member of the Ogden Boat Club, and was quite friendly with a son of the president of the bank above referred to. This young man remarked to Mr. Wilson that he had never felt so sorry for a man in his life as he did for his father the day before. He said Phil Armour had come over to the bank—had bearded his father in his den, and had gone after him so fiercely—had gotten under him in so many ways—had lampooned him up dale and down hill, that there was nothing left of his father but a bunch of apologetic confusion, and that the interview had ended by Mr. Armour's throwing a hundred thousand dollars in currency in the gentleman's face. The young man said he never knew that a man could be so indignant and so voluble as Mr. Armour was, and that it had made a lasting impression on him.

Philip Armour had very high business ideals. To sell an article at more than it was worth, or to deceive the buyer as to quality in any way, he would have regarded as a calamity. He delighted in the thought that the men with whom he traded were his friends. That his prosperity had been the prosperity of the producing West, and also to the advantage of the consuming East, were great sources of satisfaction. To personal criticism he very seldom made reply, feeling that a man's life should justify itself, and that explanation, excuse or apology is unworthy in a man who is doing his best to help himself by helping humanity. But in spite of his indifference to calumny his years were shortened by the stab of a pen—the thing which killed Keats—the tumult of wild talk concerning "embalmed beef," started by a Doctor William Daly (who shortly after committed suicide) and taken up to divert public attention from the unpreparedness of the country properly to take care of the health of its volunteer soldiery.

Mr. Armour, as Father of the Packing-House Industry, was keenly sensitive to these slanders on the quality of the product and the honesty of the packers. The charges were thoroughly investigated by a board of army officers and declared by them to be without foundation.

Scandal and defamation in war-time are imminent; the literary stinkpot rivals the lyddite of the enemy; fever, envy, malice and murderous tongues strike in the dark and retreat in a miasmic fog. Here were forces that Philip Armour, as unsullied and as honorable as Sir Philip Sidney, could not fight, because he could not locate them.

About the same time came one Joseph Leiter, who tried to corner the wheat of the world. Chicago looked to Armour to punish the presumptuous one. And so Armour, already bowed with burdens, kept the Straits of Mackinaw open in midwinter, and delivered millions of bushels of real wheat for real money to meet the machinations of the bounding Leiter. Here, too, Armour was fighting for Chicago, to redeem, if possible, her good name in the eyes of the nations.

And Armour won; but it was like that last shot of Brann's, sent after he, himself, had fallen. Philip Armour slipped down into the valley and passed out into the shadow, unafraid. Like Cyrano de Bergerac he said, "I am dying, but I am not defeated, nor am I dismayed!" And so they laid his tired, overburdened body in the windowless house of rest.



JOHN J. ASTOR

The man who makes it the habit of his life to go to bed at nine o'clock, usually gets rich and is always reliable. Of course, going to bed does not make him rich—I merely mean that such a man will in all probability be up early in the morning and do a big day's work, so his weary bones put him to bed early. Rogues do their work at night. Honest men work by day. It's all a matter of habit, and good habits in America make any man rich. Wealth is largely a result of habit.

—John Jacob Astor



It was Victor Hugo who said, "When you open a school, you close a prison."

This seems to require a little explanation. Victor Hugo did not have in mind a theological school, nor yet a young-ladies' seminary, nor an English boarding-school, nor a military academy, and least of all a parochial institute. What he was thinking of was a school where people—young and old—were taught to be self-respecting, self-reliant and efficient—to care for themselves, to help bear the burdens of the world, to assist themselves by adding to the happiness of others.

Victor Hugo fully realized that the only education which serves is the one that increases human efficiency, not the one that retards it. An education for honors, ease, medals, degrees, titles, position—immunity—may tend to exalt the individual ego, but it weakens the race, and its gain on the whole is nil.

Men are rich only as they give. He who gives service gets great returns. Action and reaction are equal, and the radiatory power of the planets balances their attraction. The love you keep is the love you give away.

A bumptious colored person wearing a derby tipped over one eye, and a cigar in his mouth pointing to the northwest, walked into a hardware-store and remarked, "Lemme see your razors."

The clerk smiled pleasantly and asked, "Do you want a razor to shave with?" "Naw," said the colored person; "for social purposes."

An education for social purposes isn't of any more use than a razor purchased for a like use. An education which merely fits a person to prey on society, and occasionally slash it up, is a predatory preparation for a life of uselessness, and closes no prison. Rather it opens a prison and takes captive at least one man. The only education that makes free is the one that tends to human efficiency. Teach children to work, play, laugh, fletcherize, study, think, and yet again, work, and we will raze every prison.

There is only one prison, and its name is Inefficiency. Amid the bastions of this bastile of the brain the guards are Pride, Pretense, Greed, Gluttony, Selfishness. Increase human efficiency and you set the captives free. "The Teutonic tribes have captured the world because of their efficiency," says Lecky the historian. He then adds that he himself is a Celt.

The two statements taken together reveal Lecky to be a man without prejudice. When the Irish tell the truth about the Dutch the millennium approaches. Should the quibbler arise and say that the Dutch are not Germans, I will reply, true, but the Germans are Dutch—at least they are of Dutch descent.

The Germans are great simply because they have the homely and indispensable virtues of prudence, patience and industry. There is no copyright on these qualities. God can do many things, but so far, He has never been able to make a strong race of people and leave these ingredients out of the formula.

As a nation, Holland first developed them so that they became characteristic of the whole people. It was the slow, steady stream of Hollanders pushing southward that civilized Germany. Music as a science was born in Holland. The grandfather of Beethoven was a Dutchman. Gutenberg's forebears were from Holland. And when the Hollanders had gone clear through Germany, and then traversed Italy, and came back home by way of Venice, they struck the rock of spiritual resources and the waters gushed forth.

Since Rembrandt carried portraiture to the point of perfection, two hundred fifty years ago, Holland has been a land of artists—and it is so even unto this day. John Jacob Astor was born of a Dutch family that had migrated down to Heidelberg from Antwerp.

Through some strange freak of atavism the father of the boy bred back, and was more or less of a Stone-Age cave-dweller. He was a butcher by trade, in the little town of Waldorf, a few miles from Heidelberg. A butcher's business then was to travel around and kill the pet pig, or sheep, or cow that the tender-hearted owners dare not harm. The butcher was a pariah, a sort of unofficial, industrial hangman.

At the same time he was more or less of a genius, for he climbed steeples, dug wells, and did all kinds of disagreeable jobs that needed to be done, and from which cautious men shrank like unwashed wool.

One such man—a German, too—lives in East Aurora. I joined him in walking along a country road, the other day. He carried a big basket on his arm, and was peacefully smoking a big Dutch pipe. We talked of music and he was regretting the decline of a taste for Bach, when he happened to shift the basket to the other arm. "What have you there?" I asked.

And here is the answer: "Oh, noddings—noddings but dynamite. I vas going up on der hill to blow me some stumps oud." And I suddenly bethought me of an engagement at the village.

* * * * *

John Jacob Astor was the youngest of four sons, and as many daughters. The brothers ran away early in life, and went to sea or joined the army. One of these boys came to America, and followed his father's trade of butcher.

Jacob Astor, the happy father of John Jacob, used to take the boy with him on his pig-killing expeditions—this for two reasons: one, so the lad would learn a trade, and the other to make sure that the boy did not run away.

Parents who hold their children by force have a very slender claim upon them. The pastor of the local Lutheran Church took pity on this boy who had such disgust for his father's trade, and hired him to work in his garden and run errands. The intelligence and alertness of the lad made him look like good timber for a minister.

He learned to read, and was duly confirmed as a member of the church. Under the kindly care of the village parson John Jacob grew in mind and body—his estate was to come later. When he was seventeen, his father came and made a formal demand for his services. The young man must take up his father's work of butchering. That night John Jacob walked out of Waldorf by the wan light of the moon, headed for Antwerp. He carried a big red handkerchief in which his worldly goods were knotted, and in his heart he had the blessings of the Lutheran clergyman, who walked with him for half a mile, and said a prayer at parting.

To have youth, high hope, right intent, health and a big red handkerchief is to be greatly blessed. John Jacob got a job next day as oarsman on a lumber-raft.

He reached Antwerp in a week. There he got a job on the docks as a laborer. The next day he was promoted to checker-off. The captain of a ship asked him to go to London and figure up the manifests on the way. He went. The captain of the ship recommended him to the company in London, and the boy was soon piling up wealth at the rate of a guinea a month. In September, Seventeen Hundred Eighty-three, came the news to London that George Washington had surrendered. In any event, peace had been declared: Cornwallis had forced the issue, so the Americans had stopped fighting. A little later it was given out that England had given up her American Colonies, and they were free.

Intuitively, John Jacob Astor felt that the "New World" was the place for him. He bought passage on a sailing-ship bound for Baltimore, at a cost of five pounds. He then fastened five pounds in a belt around his waist, and with the rest of his money—after sending two pounds home to his father, with a letter of love—bought a dozen German flutes.

He had learned to play on this instrument with proficiency, and in America he thought there would be an opening for musicians and musical instruments. John Jacob was then nearly twenty years of age.

The ship sailed in November, but did not reach Baltimore until the middle of March, having had to put back to sea on account of storms when within sight of the Chesapeake. Then a month more was spent hunting for the Chesapeake. There was plenty of time for flute-playing and making of plans. On board ship he met a German, twenty years older than himself, who was a fur-trader and had been home on a visit.

John Jacob played the flute, and the German friend told stories of fur-trading among the Indians. Young Astor's curiosity was excited. The Waldorf-Astoria plan of flute-playing was forgotten. He fed on fur-trading.

The habits of the animals, the value of their pelts, the curing of the furs, their final market, were all gone over again and again. The two extra months at sea gave him an insight into a great business, and he had the time to fletcherize his ideas. He thought about it—wrote about it in his diary, for he was at the journal age. Wolves, bears, badgers, minks and muskrats filled his dreams.

Arriving in Baltimore he was disappointed to learn that there were no fur-traders there. He started for New York. Here he found work with a certain Robert Bowne, a Quaker, who bought and sold furs.

Young Astor set himself to learn the business—every part of it. He was always sitting on the curb at the door before the owner got around in the morning, carrying a big key to open the warehouse. He was the last to leave at night. He pounded furs with a stick, salted them, sorted them, took them to the tanners, brought them home. He worked, and as he worked, learned.

To secure the absolute confidence of a man, obey him. Only thus do you get him to lay aside his weapons, be he friend or enemy. Any dullard can be waited on and served, but to serve requires judgment, skill, tact, patience and industry.

The qualities that make a youth a good servant are the basic ones for mastership. Astor's alertness, willingness, loyalty, and ability to obey, delivered his employer over into his hands. Robert Bowne, the good old Quaker, insisted that Jacob should call him Robert; and from boarding the young man with a near-by war widow who took cheap boarders, Bowne took young Astor to his own house, and raised his pay from two dollars a week to six.

Bowne had made an annual trip to Montreal for many years. Montreal was the metropolis for furs. Bowne went to Montreal himself because he did not know of any one he could trust to carry the message to Garcia. Those who knew furs and had judgment were not honest, and those who were honest did not know furs. Honest fools are really no better than rogues, as far as practical purposes are concerned. Bowne once found a man who was honest and also knew furs, but alas! he had a passion for drink, and no prophet could foretell his "periodic," until it occurred.

Young Astor had been with Bowne only a year. He spoke imperfect English, but he did not drink nor gamble, and he knew furs and was honest. Bowne started him off for Canada with a belt full of gold; his only weapon was a German flute that he carried in his hand. Bowne being a Quaker did not believe in guns. Flutes were a little out of his line, too, but he preferred them to flintlocks.

John Jacob Astor ascended the Hudson River to Albany, and then with pack on his back, struck north, alone, through the forest to Lake Champlain. As he approached an Indian settlement he played his flute. The aborigines showed no disposition to give him the hook. He hired Indians to paddle him up to the Canadian border. He reached Montreal.

The fur-traders there knew Bowne as a very sharp buyer, and so had their quills out on his approach. But young Astor was seemingly indifferent. His manner was courteous and easy. He got close to his man, and took his pick of the pelts at fair prices. He expended all of his money, and even bought on credit, for there are men who always have credit.

Young Astor found Indian nature to be simply human nature. The savage was a man, and courtesy, gentleness and fairly good flute-playing soothed his savage breast. Astor had beads and blankets, a flute and a smile. The Indians carried his goods by relays and then with guttural certificates as to his character passed him on to other red men, and at last he reached New York without the loss of a pelt or the dampening of his ardor.

Bowne was delighted. To young Astor it was nothing. He had in his blood the success corpuscle. He might have remained with Bowne and become a partner in the business, but Bowne had business limitations and Astor hadn't. So after a three years' apprenticeship, Astor knew all that Bowne did and all he himself could imagine besides. So he resigned.

In Seventeen Hundred Eighty-six, John Jacob Astor began business on his own account in a little store on Water Street, New York. There were one room and a basement. He had saved a few hundred dollars: his brother, the butcher, had loaned him a few hundred more, and Robert Bowne had contributed a bale of skins to be paid for "at thy own price and thy own convenience."

Astor had made friends with the Indians up the Hudson clear to Albany, and they were acting as recruiting-agents for him. He was a bit boastful of the fact that he had taught an Indian to play the flute, and anyway he had sold the savage the instrument for a bale of beaver-pelts, with a bearskin thrown in for good measure. It was a musical achievement as well as a commercial one.

Having collected several thousand dollars' worth of furs he shipped them to London and embarked as a passenger in the steerage. The trip showed him that ability to sell was quite as necessary as the ability to buy—a point which with all of his shrewdness Bowne had never guessed.

In London furs were becoming a fad. Astor sorted and sifted his buyers, as he had his skins. He himself dressed in a suit of fur and thus proved his ability as an advertiser. He picked his men and charged all the traffic would bear. He took orders, on sample, from the nobility and sundry of the gentry, and thereby cut the middleman. All of the money he received for his skins he invested in "Indian Goods"—colored cloth, beads, blankets, knives, axes, and musical instruments. His was the first store in New York that carried a stock of musical instruments. These he sold to the savages, and also he supplied the stolid Dutch the best of everything in this particular line, from a bazoo to a Stradivarius violin.

When he got back to New York, he at once struck out through the wilderness to buy furs of the Indians, or, better still, to interest them in bringing furs to him.

He knew the value of friendship in trade as no other man of the time did. He went clear through to Lake Erie, down to Niagara Falls, along Lake Ontario across to Lake Champlain and then down the Hudson. He foresaw the great city of Buffalo, and Rochester as well, only he said that Rochester would probably be situated directly on the lake. But the water-power of the Genesee Falls proved a stronger drawing power than the lake front. He prophesied that along the banks of the Niagara Falls would be built the greatest manufacturing city in the world. There were flourmills and sawmills there then. The lumber first used in building the city of Buffalo was brought from the sawmills at "The Falls."

Electric power, of course, was then a thing unguessed, but Astor prophesied the Erie Canal, and made good guesses as to where prosperous cities would appear along its line.

In Seventeen Hundred Ninety, John Jacob Astor married Sarah Todd. Her mother was a Brevoort, and it was brought about by her coming to Astor to buy furs with which to make herself a coat. Her ability to judge furs and make them up won the heart of the dealer. The marriage brought young Astor into "the best Dutch New York society," a combination that was quite as exclusive then as now.

This marriage was a business partnership as well as a marital, and proved a success in every way. Sarah was a worker, with all the good old Dutch qualities of patience, persistence, industry and economy. When her husband went on trips she kept store. She was the only partner in whom he ever had implicit faith. And faith is the first requisite in success.

Captain Cook had skirted the Pacific Coast from Cape Horn to Alaska, and had brought to the attention of the fur-dealing and fur-wearing world the sea-otter of the Northern Pacific. He also gave a psychological prophetic glimpse of the insidious sealskin sack.

In Seventeen Hundred Ninety, a ship from the Pacific brought a hundred otter-skins to New York. The skins were quickly sold to London buyers at exorbitant prices.

The nobility wanted sea-otter, or "Royal American Ermine," as they called it. The scarcity boomed the price. Ships were quickly fitted out and dispatched. Boats bound for the whale fisheries were diverted, and New Bedford had a spasm of jealousy. Astor encouraged these fur-seeking expeditions, but at first declined to invest any money in them, as he considered them "extra hazardous." He was not a speculator.

* * * * *

Astor lived over his store in Water Street until the year Eighteen Hundred when he moved to the plain and modest house at Two Hundred Twenty-three Broadway, on the site of the old Astor House. Here he lived for twenty-five years.

The fur business was simple and very profitable. Astor now was confining himself mostly to beaver-skins. He fixed the price at one dollar, to be paid to the Indians or trappers. It cost fifty cents to prepare and transport the skin to London. There it was sold at from five to ten dollars. All the money received for skins was then invested in English merchandise, which was sold in New York at a profit. In Eighteen Hundred, Astor owned three ships which he had bought so as absolutely to control his trade. Ascertaining that London dealers were reshipping furs to China, early in the century he dispatched one of his ships directly to the Orient, loaded with furs, with explicit written instructions to the captain as to what the cargo should be sold for. The money was to be invested in teas and silks. The ship sailed away, and had been gone a year. No tidings had come from her. Suddenly a messenger came with the news that the ship was in the bay. We can imagine the interest of Mr. and Mrs. Astor as they locked their store and ran to the Battery. Sure enough, it was their ship, riding gently on the tide, snug, strong and safe as when she had left.

The profit on this one voyage was seventy thousand dollars. By Eighteen Hundred Ten, John Jacob Astor was worth two million dollars. He began to invest all his surplus money in New York real estate. He bought acreage property in the vicinity of Canal Street. Next he bought Richmond Hill, the estate of Aaron Burr. It consisted of one hundred sixty acres just above Twenty-third Street. He paid for the land a thousand dollars an acre. People said Astor was crazy. In ten years he began to sell lots from the Richmond Hill property at the rate of five thousand dollars an acre. Fortunately for his estate he did not sell much of the land at this price, for it is this particular dirt that makes up that vast property known as "The Astor Estate."

During the Revolutionary War, Roger Morris, of Putnam County, New York, made the mistake of siding with the Tories.

A mob collected, and Morris and his family escaped, taking ship to England. Before leaving, Morris declared his intention of coming back as soon as "the insurrection was quelled." Roger Morris never came back.

Roger Morris is known in history as the man who married Mary Philipse. And this lady lives in history because she had the felicity of being proposed to by George Washington. George himself tells us of this in his Journal, and George, you will remember, could not tell a lie. George was twenty-five, he was on his way to Boston, and was entertained at the Philipse house, the Plaza not having then been built. Mary was twenty, pink and lissome. Immediately after supper, George, finding himself alone in the parlor with the girl, proposed. He was an opportunist.

The lady pleaded for time, which the Father of his Country declined to give. He was a soldier and demanded immediate surrender. A small quarrel followed, and George saddled his horse and rode on his way to fame and fortune. Mary thought he would come back, but George never proposed to the same lady twice. Yet he thought kindly of Mary and excused her conduct by recording, "I think ye ladye was not in ye moode."

Just twenty-two years after this bout with Cupid, General George Washington, Commander-in-Chief of the Continental Army, occupied the Roger Morris Mansion as headquarters, the occupants having fled. Washington had a sly sense of humor, and on the occasion of his moving into the mansion, remarked to Colonel Aaron Burr, his aide, "I move in here for sentimental reasons—I have a small and indirect claim on the place."

It was Washington who formally confiscated the property, and turned it over to the State of New York as contraband of war. The Morris estate of about fifty thousand acres was parceled out and sold by the State of New York to settlers. It seems, however, that Roger Morris had only a life-interest in the estate, and this was a legal point so fine that it was entirely overlooked in the joy of confiscation. Washington was a great soldier, but an indifferent lawyer.

John Jacob Astor accidentally ascertained the facts. He was convinced that the heirs could not be robbed of their rights through the acts of a leaseholder, which legally was the status of Roger Morris. Astor was a good real-estate lawyer himself, but he referred the point to the best counsel he could find. They agreed with him. He next hunted up the heirs and bought their quitclaims for one hundred thousand dollars. He then notified the parties who had purchased the land, and they in turn made claim upon the State for protection.

After much legal parleying the case was tried according to stipulation with the State of New York, directly, as defendant, and Astor and the occupants, as plaintiffs. Daniel Webster and Martin Van Buren appeared for the State, and an array of lesser legal lights for Astor.

The case was narrowed down to the plain and simple point that Roger Morris was not the legal owner of the estate, and that the rightful heirs could not be made to suffer for the "treason, contumacy and contravention" of another. Astor won, and as a compromise the State issued him twenty-year bonds bearing six per cent interest, for the neat sum of five hundred thousand dollars—not that Astor needed the money, but finance was to him a game, and he had won.

* * * * *

In front of the first A. T. Stewart store there used to be an old woman who sold apples. Regardless of weather, there she sat and mumbled her wares at the passer-by. She was a combination beggar and merchant, with a blundering wit, a ready tongue and a vocabulary unfit for publication.

Her commercial genius is shown in the fact that she secured one good-paying customer—Alexander T. Stewart. Stewart grew to believe in her as his spirit of good luck. Once when bargains had been offered at the Stewart store and the old woman was not at her place on the curb, the merchant-prince sent his carriage for her in hot haste, "lest offense be given." And the day was saved.

When the original store was abandoned for the Stewart "Palace," the old apple-woman, with her box, basket and umbrella, was tenderly taken along, too.

John Jacob Astor had no such belief in luck-omens, portents, or mascots as had A. T. Stewart. With him success was a sequence—a result—it was all cause and effect. A. T. Stewart did not trust entirely to luck, for he, too, carefully devised and planned. But the difference between the Celtic and the Teutonic mind is shown in that Stewart hoped to succeed, while Astor knew that he would. One was a bit anxious; the other exasperatingly placid.

Astor took a deep interest in the Lewis and Clark expedition. He went to Washington to see Lewis, and questioned him at great length about the Northwest. Legend says that he gave the hardy discoverer a thousand dollars, which was a big amount for him to give away.

Once a committee called on him with a subscription-list for some worthy charity. Astor subscribed fifty dollars. One of the disappointed committee remarked, "Oh, Mr. Astor, your son William gave us a hundred dollars." "Yes," said the old man, "but you must remember that William has a rich father."

Washington Irving has told the story of Astoria at length. It was the one financial plunge taken by John Jacob Astor. And in spite of the fact that it failed, the whole affair does credit to the prophetic brain of Astor. "This country will see a chain of growing and prosperous cities straight from New York to Astoria, Oregon," said this man in reply to a doubting questioner.

He laid his plans before Congress, urging a line of army-posts, forty miles apart, from the western extremity of Lake Superior to the Pacific.

"These forts or army-posts will evolve into cities," said Astor, when he called on Thomas Jefferson, who was then President of the United States. Jefferson was interested, but non-committal. Astor exhibited maps of the Great Lakes, and the country beyond. He argued with a prescience then not possessed by any living man that at the western extremity of Lake Superior would grow up a great city. Yet in Eighteen Hundred Seventy-six, Duluth was ridiculed by the caustic tongue of Proctor Knott, who asked, "What will become of Duluth when the lumber-crop is cut?" Astor proceeded to say that another great city would grow up at the southern extremity of Lake Michigan. General Dearborn, Secretary of War under Jefferson, had just established Fort Dearborn on the present site of Chicago. Astor commended this, and said, "From a fort you get a trading-post, and from a trading-post you will get a city."

He pointed out to Jefferson the site, on his map, of the Falls of Saint Anthony. "There you will have a fort some day, for wherever there is water-power, there will grow up mills for grinding grain, and sawmills as well. This place of power will have to be protected, and so you will have there a post which will eventually be replaced by a city." Yet Fort Snelling was nearly fifty years in the future, and Saint Paul and Minneapolis were dreams undreamed.

Jefferson took time to think about it and then wrote Astor thus: "Your beginning of a city on the Western Coast is a great acquisition, and I look forward to a time when our population will spread itself up and down along the whole Pacific frontage, unconnected with us, except by ties of blood and common interest, and enjoying, like us, the rights of self-government."

The Pilgrim Fathers thought land that lay inward from the sea was valueless. The forest was an impassable barrier. Later, up to the time of George Washington, the Alleghanies were regarded as a natural barrier. Patrick Henry likened the Alleghany Mountains to the Alps that separated Italy from Germany and said, "The mountain-ranges are lines that God has set to separate one people from another."

Later, statesmen have spoken of the ocean in the same way, as proof that a union of all countries under an international capital could never exist.

Great as was Jefferson, he regarded the achievement of Lewis and Clark as a feat, and not an example. He looked upon the Rocky Mountains as a natural separation of peoples "bound by ties of blood and mutual interest, but otherwise unconnected." To pierce these mighty mountains with tunnels, and whisper across them with the human voice, were of course miracles as yet unguessed. But Astor closed his eyes and saw great pack-trains, mules laden with skins, winding across these mountains, and down to tidewater at Astoria. There his ships would be lying at the docks, ready to sail for the Far East. James J. Hill was yet to come.

* * * * *

A company was formed, and two expeditions set out for the mouth of the Columbia River, one by land and the other by sea.

The land expedition barely got through alive; it was a perilous undertaking, with accidents by flood and field and in the imminent deadly breach. But the route by the water was feasible.

The town was founded and soon became a center of commercial activity. Had Astor been on the ground to take personal charge, a city like Seattle would have bloomed and blossomed on the Pacific, fifty years ago. But power at Astoria was subdivided among several little men, who wore themselves out in a struggle for honors, and to see who would be greatest in the kingdom of heaven. John Jacob Astor was too far away to send a current of electricity through the vacuum of their minds, light up the recesses with reason, and shock them into sanity. Like those first settlers at Jamestown, the pioneers at Astoria saw only failure ahead, and that which we fear we bring to pass. To settle a continent with men is almost as difficult as Nature's attempt to form a soil on a rocky surface. There came a grand grab at Astoria and it was each for himself and the devil take the hindmost—it was a stampede.

System and order went by the board. The strongest stole the most, as usual, but all got a little. And England's gain in citizens was our loss.

Astor lost a million dollars by the venture. He smiled calmly and said: "The plan was right, but my men were weak—that is all. The gateway to China will be from the Northwest. My plans were correct. Time will vindicate my reasoning."

When the block on Broadway, bounded by Vesey and Barclay Streets, was cleared of its plain two-story houses preparatory to building the Astor House, wise men shook their heads and said, "It's too far uptown." But the free bus that met all boats solved the difficulty, and gave the cue to hotel-men all over the world. The hotel that runs full is a goldmine. Hungry men feed, and the beautiful part about the hotel business is that the customers are hungry the next day—also thirsty. Astor was worth ten millions, but he took a personal delight in sitting in the lobby of the Astor House and watching the dollars roll into this palace that his brain had planned. To have an idea—to watch it grow—to then work it out, and see it made manifest in concrete substance, this was his joy. The Astor House was a bigger hostelry in its day than the Waldorf-Astoria is now.

Astor was tall, thin, and commanding in appearance. He had only one hallucination, and that was that he spoke the English language. The accent he possessed at thirty was with him in all its pristine effulgence at eighty-five. "Nopody vould know I vas a Cherman—aind't it?" he used to say. He spoke French, a dash of Spanish, and could parley in Choctaw, Ottawa, Mohawk and Huron. But they who speak several languages must not be expected to speak any one language well.

Yet when John Jacob wrote, it was English without a flaw. In all his dealings he was uniquely honorable and upright. He paid and he made others pay. His word was his bond. He was not charitable in the sense of indiscriminate giving. "To give something for nothing is to weaken the giver," was one of his favorite sayings. That this attitude protected a miserly spirit, it is easy to say, but it is not wholly true. In his later years he carried with him a book containing a record of his possessions. This was his breviary. In it he took a very pardonable delight. He would visit a certain piece of property, and then turn to his book and see what it had cost him ten or twenty years before. To realize that his prophetic vision had been correct was to him a great source of satisfaction.

His habits were of the best. He went to bed at nine o'clock, and was up before six. At seven he was at his office. He knew enough to eat sparingly and to walk, so he was never sick.

Millionaires as a rule are wofully ignorant. Up to a certain sum, they grow with their acquisitions. Then they begin to wither at the heart. The care of a fortune is a penalty. I advise the gentle reader to think twice before accumulating ten millions. John Jacob Astor was exceptional in his combined love of money and love of books. History was at his tongue's end, and geography was his plaything. Fitz-Greene Halleck was his private secretary, hired on a basis of literary friendship. Washington Irving was a close friend, too, and first crossed the Atlantic on an Astor pass. He banked on Washington Irving's genius, and loaned him money to come and go, and buy a house. Irving was named in Astor's will as one of the trustees of the Astor Library Fund, and repaid all favors by writing "Astoria."

Astor died, aged eighty-six. It was a natural death, a thing that very seldom occurs. The machinery all ran down at once. Realizing his lack of book advantages, he left by his will four hundred thousand dollars to found the Astor Library, in order that others might profit where he had lacked. He also left fifty thousand dollars to his native town of Waldorf, a part of which money was used to found an Astor Library there. God is surely good, for if millionaires were immortal, their money would cause them great misery and the swollen fortunes would crowd mankind, not only 'gainst the wall, but into the sea. Death is the deliverer, for Time checks power and equalizes all things, and gives the new generation a chance.

Astor hated gamblers. He never confused gambling, as a mode of money-getting, with actual production. He knew that gambling produces nothing—it merely transfers wealth, changes ownership. And since it involves loss of time and energy it is a positive waste. Yet to buy land and hold it, thus betting on its rise in value, is not production, either. Nevertheless, this was to Astor legitimate and right.

Henry George threw no shadow before, and no economist had ever written that to secure land and hold it unused, awaiting a rise in value, was a dog-in-the-manger, unethical and selfish policy. Morality is a matter of longitude and time.

Astor was a member of the Dutch Reformed Church, and yet he lived out his days with a beautiful and perfect disbelief in revealed religion. He knew enough of biology to know that religions are not "revealed"—they are evolved. Yet he recognized the value of the Church as a social factor. To him it was a good police system, and so when rightly importuned he gave, with becoming moderation, to all faiths and creeds.

A couple of generations back in his ancestry there was a renegade Jew who loved a Christian girl, and thereby molted his religion. When Cupid crosses swords with a priest, religion gets a death-stroke. This stream of free blood was the inheritance of John Jacob Astor.

William B. Astor, the son of John Jacob, was brought up in the financial way he should go. He was studious, methodical, conservative, and had the good sense to carry out the wishes of his father. His son, John Jacob Astor, was very much like him, only of more neutral tint. The time is now ripe for another genius in the Astor family. If William B. Astor lacked the courage and initiative of his parent, he had more culture, and spoke English without an accent. The son of John Jacob Astor second is William Waldorf Astor, who speaks English with an English accent, you know.

John Jacob Astor, besides having the first store for the sale of musical instruments in America, organized the first orchestra of over twelve players. He brought over a leader from Germany, and did much to foster the love of music in the New World.

Every worthy Maecenas imagines that he is a great painter, writer, sculptor or musician, sidetracked by material cares thrust upon him by unkind Fate. John Jacob Astor once told Washington Irving that it was only business responsibility that prevented his being a novelist; and at other times he declared his intent to take up music as a profession as soon as he had gotten all of his securities properly tied up. And whether John Jacob worked out his dreams or not, there is no doubt that they added to his peace, happiness and length of days. Happy indeed is the man who escapes the critics by leaving his literary masterpiece in the ink.



PETER COOPER

Let our schools teach the nobility of labor and the beauty of human service, but the superstitions of ages past—never!

—Peter Cooper



Peter Cooper was born in New York City in the year Seventeen Hundred Ninety-one. He lived to be ninety-two years old, passing out in Eighteen Hundred Eighty-three.

He was, successively, laborer, clerk, mechanic, inventor, manufacturer, financier, teacher, philanthropist and philosopher.

If Robert Owen was the world's first modern merchant, Peter Cooper was America's first businessman. He seems to have been the first prominent man in the United States to abandon that legal wheeze, "Caveat emptor." In fact, he worked for the buyer, and considered the other man's interests before he did his own. He practised the Golden Rule and made it pay, while the most of us yet regard it as a kind of interesting experiment. I have said a few oblique things about city-bred boys and city people in general, but I feel like apologizing for them and doing penance when I think of restless, tireless, eager, brave, honest and manly Peter Cooper.

When that New York City woman, last week, observing a beautiful brass model of an Oliver Plow on my mantel, asked me, "What is this musical instrument?" she proved herself not of the Peter Cooper tribe. She was the other kind—the kind that seeing the pollywogs remarks, "Oh, how lovely—they will all be butterflies next week!" Or, "Which cow is it that gives the butter-milk?" a question that once made Nathan Straus walk on his hands.

Although Peter Cooper was born in New York City and had a home there most of his life, he loved the country, and for many years made Sunday sacred for the woods and fields. Yet as a matter of strictest truth let it be stated that, although Peter Cooper was born in New York City, when he was two years old, like Bill Nye, he persuaded his parents to move. The family gravitated to the then little village of Peekskill, and here the lad lived until he was seventeen years old.

Next to Benjamin Franklin, Peter Cooper was our all-round educated American. His perfect health—living to a great age—with sanity and happiness as his portion, proves him to be one who knew the laws of health and also had the will to obey them. He never "retired from business"—if he quit one kind of work it was to take up something more difficult.

He was in the fight to the day of his death; and always he carried the flag further to the front.

He was a Freethinker at a time when to have thoughts of your own was to be an outcast. His restless mind was no more satisfied with an outworn theology than with an outgrown system of transportation. His religion was blended with his work and fused with his life.

He built the first railway-locomotive in America, and was its engineer until he taught others how. He rolled the first iron rails for railroads. He made the first iron beams for use in constructing fireproof buildings. He was the near and dear friend and adviser of Cyrus W. Field, and lent his inventive skill, his genius and his money, to the laying of the Atlantic Cable; and was the President of the Atlantic Cable Company for eighteen years.

In building and endowing Cooper Union, he outlined a system of education so beneficent that it attracted the attention of the thinking men of the world. And it is even now serving as a model upon which our entire public-school system will yet be founded—a system that works not for culture, for bric-a-brac purposes, but for character and competence. A what-not education may be impressive, but is worthless as collateral. The achievements of Peter Cooper make the average successful man look like a pigmy.

What the world needs is a few more Peter Coopers—rich men who do not absolve themselves by drawing checks for charity, but who give their lives for human betterment.

Let us catch up with Peter Cooper.

* * * * *

John Cooper, the father of Peter Cooper, was of English stock. He was twenty-one years old in that most unforgetable year, Seventeen Hundred Seventy-six. At the first call to arms, he enlisted as a minuteman. He fought valiantly through the war, in the field, and in the fortifications surrounding New York City, and came out of Freedom's fight penniless, but with one valuable possession—a wife.

In Seventeen Hundred Seventy-nine, he married the daughter of General John Campbell, his commander, who was then stationed at West Point. It was an outrageous thing for a sergeant to do, and I am sorry to say it was absolutely without orders or parental permission. The bride called it a Cooper union.

The Campbells, very properly, were Scotch, and the Scotch have a bad habit of thinking themselves a trifle better than the English. Like the Irish, they regard an Englishman with suspicion. The Scotch swear that they have never been conquered, certainly not by J. Bull, who has always been quite willing to give them anything they ask for.

At the time of his marriage, Sergeant Cooper was engaged in the laudable business of looking after General Campbell's horses, and also, let it be known, of making garden for the Campbell family.

In his garden work, John Cooper was under the immediate orders of Margaret Campbell. After hours, the Sergeant used to play a piccolo, and among other tuneful lays he piped one called "The Campbells Are Coming." It was on one such musical occasion that the young couple simply walked off and got married, thus proving a point which I have long held, to wit: Music is a secondary love manifestation.

On being informed of the facts, General Campbell promptly ordered that Sergeant John Cooper be shot. Before the execution could take place, the sentence was commuted to thirty days in the guardhouse. After serving one day, the culprit was pardoned on petition of his wife.

In a month he was made a captain, and later a lieutenant. The business of a soldier is not apt to be of a kind to develop his mental resources. Soldiers fight under orders; and initiative, production and economy are mere abstractions to your man of the sword.

Suffice it to say that in the war, John Cooper lost the ability to become a civilian of the first rank. He was industrious but improvident; he made money and he lost it. He had a habit of abandoning good inventions for worse ones. The ability to eliminate is good, but in sifting ideas let us cleave to those that are workable, until Fate proves there is something really better.

Peter Cooper was the fifth child in a family of nine. Bees know the secret of sex, but man does not. Peter Cooper's mother thought that her fifth child was to be a girl, but it was not until after the boy had grown to be a man and was proving his prowess, that his parents remembered why they had called him Peter, and said, "On this rock shall our family be built."

To be born of parents who do not know how to get on, and be one of a big family, is a great blessing. We are taught by antithesis quite as much as by injunction and direction. And chiefest of all we are taught through struggle, and not through immunity in that vacuum called complete success.

Peter Cooper's childhood was one of toil and ceaseless endeavor. Just one year did he go to school, just one year in all his life, and then for only half a day at a time. His short ration of books made him anxious to know, anxious to learn, and so his disadvantages gave him a thing which college often fails to bestow—that is, the Study Habit. And the reason he got it was because he wanted to go to school and could not. Happy Peter Cooper!

And yet he never really knew that many a youth is sent to school and dinged at by pedagogues until examinations become a nightmare, and college a penalty. Thus it happens that many a college graduate is so rejoiced on getting through and standing "on the threshold," that he never looks in a book afterward. Of such a one we can very properly say, "He got his education in college"—when all the world knows that the education that really amounts to anything is that which we get out of Life.

* * * * *

The climbing propensities of Peter Cooper were made manifest very early in life. Later, they developed into a habit; and shifting ground from the physical to the psychic, he continued to climb all his life.

Also he made others climb, for no man climbeth by himself alone. At twelve, Peter Cooper proudly walked the ridgepole of the family residence, to the great astonishment and admiration of the little girls and the jealousy of the boys. When the children would run in breathlessly and announce to the busy mother, "Peter, he is on the house!" the mother would reply, "Then he will not get drowned in the Hudson River!" At other times it was, "Peter, he is swimming across the river!" The mother then found solace in the thought that the boy was not in immediate danger of sliding off the house and breaking his neck. Once, little Peter climbed a lofty elm to get a hanging bird's-nest that was built far out on a high projecting limb. He reached the nest all right, but his diagnosis was not correct, for it proved to be a hornets' nest, beyond dispute.

To escape the wrath of the hornets, Peter descended the tree "overhand," which being interpreted means that he dropped and caught the limbs as he went down so as to decrease the speed. The last drop was about thirty feet. The fall didn't hurt, but the sudden stop broke his collar-bone, knocked out three teeth, and cut a scar on his chin that lasted him all of his days.

Life is a dangerous business—few get out of it alive. Life consists in betting on your power to do—to achieve—to accomplish—to climb—to become. If you mistake hornets for birds, you pay the penalty for your error, as you pay for all mistakes. The only men who do things are those who dare.

Safety can be secured by doing nothing, saying nothing, being nothing. Here's to those who dare!

Because a thing had never been done before was to Peter Cooper no reason why it should not be done now. And although he innocently stirred up a few hornets' nests, he became a good judge of both birds and hornets through personal experience. That is the advantage of making mistakes. But wisdom lies in not responding to encores.

Peter Cooper's body was marked by the falls, mauls, hauls, and scars of burns and explosions. Surely if God does not look us over for medals and diplomas, but for scars, then Peter Cooper fulfilled the requirements.

When seventeen years old, he went down to New York and apprenticed himself to a coachmaker, Woodward by name. He was to get his board, washing and mending, and twenty-five dollars a year. It was a four-year contract—selling himself into service and servitude. The first two years he saved twenty dollars out of his wages. The third year his employer voluntarily paid him fifty dollars; and the fourth year seventy-five. In short, the young man had mastered the trade.

Woodward's shop was at the corner of Broadway and Chambers Street, which was then the northern limit of the city. Just beyond this was a big garden, worked by a prosperous and enterprising Irishman who supplied vegetables to ship-captains. This garden later was transformed into City Hall Park, and here the city buildings were erected, the finest in America for their purpose. The Irish still command the place.

New York City then had less than forty thousand inhabitants. Peter Cooper was to see the city grow to two million. For seventy-one years after his majority he was to take an active and intelligent interest in its evolution, tinting its best thought and hopes with his own aspiration.

The building of coaches then was a great trade. It was stagecoach times, and a good coach was worth anywhere from three hundred to a thousand dollars. The work was done by small concerns, where the proprietors and their 'prentices would turn out three or four vehicles a year. To build the finest coaches in the world was the ambition of Peter Cooper.

But to get a little needed capital he hired out to a manufacturer of woolen cloth at Hempstead, Long Island, for a dollar and a half a day. A dollar a day was good wages then, but Cooper had inventive skill in working with machinery. He had already invented and patented a machine for mortising the hubs of wagon-wheels. Now he perfected a machine for finishing woolen cloth. As the invention was made on the time of, and in the mill where he worked, he was given only a one-third interest in it.

He went on a visit to his old home at Peekskill and there met Matthew Vassar, who was to send the name of Vassar down the corridors of time, not as that of a weaver of wool and the owner of a very good brewery, but as the founder of a school for girls, or as it is somewhat anomalously called, "a female seminary."

Peter Cooper sold the county-right of his patent to Matthew Vassar for five hundred dollars. It was more money than the father had ever seen at one time in all his life.

The War of Eighteen Hundred Twelve was on, and woolen cloth was in great demand, the supply from England having been shut off.

Opportunity and Peter Cooper met, or is the man himself Opportunity?

The ratio of marriages, we are told, keeps pace with the price of corn. On the strength of his five hundred dollars, Peter Cooper embarked on the sea of matrimony, as the village editors express it. When Peter Cooper married Sarah Bedell, it was a fortunate thing for the world. Peter Cooper was a Commonsense Man, which is really better than to be a genius. A Commonsense Man is one who does nothing to make people think he is different from what he is. He is one who would rather be than seem! But a Commonsense Man needs a Commonsense Woman to help him live a Commonsense Life. Mrs. Cooper was a Commonsense Woman. She was of Huguenot parentage.