"Not extra, but a feller can get points, and make something out of the market." "What's that?" asked Grant, puzzled. "Oh, I forgot. You ain't used to the city," responded Tom, emphatically. "I mean, you find out when a stock is going up, and you buy for a rise." "But doesn't that take considerable money?" asked Grant, wondering how Tom could raise money to buy stocks. "Oh, you can go to the bucket shops," answered Tom. "But what have bucket shops to do with stocks?" asked Grant, more than ever puzzled. Tom burst into a loud laugh. "Ain't you jolly green, though?" he ejaculated. Grant was rather nettled at this. "I don't see how I could be expected to understand such talk," he said, with some asperity. "That's where it is--you can't," said Tom. "It's all like A, B, C to me, and I forgot that you didn't know anything about Wall Street. A bucket shop is where you can buy stock in small lots, putting down a dollar a share as margin. If stocks go up, you sell out on the rise, and get back your dollar minus commission," "Suppose they go down?" "Then you lose what you put up." "Isn't it rather risky?" "Of course there's some risk, but if you have a good point there isn't much." This was Tom Calder's view of the matter. As a matter of fact, the great majority of those who visit the bucket shops lose all they put in, and are likely sooner or later to get into difficulty; so that many employers will at once discharge a clerk or boy known to speculate in this way. "If I had any money I'd buy some stock to-day; that is, as soon as I get to the city," continued Tom. "You couldn't lend me five dollars, could you?"