“One day Mr. Scott [the superintendent of his division], who was the kindest of men and had taken a great fancy to me, asked if I had or could find five hundred dollars to invest.... I answered promptly: “‘Yes, sir, I think I can.’ “‘Very well,’ he said, ‘get it. A man has just died who owns ten shares in the Adams Express Company, that I want you to buy. It will cost you sixty dollars a share. I will advance the remaining hundred dollars.’ “The matter was laid before the council of three that night and the oracle spoke. ‘Must be done. Mortgage our house. I will take the steamer in the morning for Ohio and see uncle and ask him to arrange it. I am sure he can.’ Of course her visit was successful—where did she ever fail? “The money was procured; paid over; ten shares of Adams Express Company stock was mine, but no one knew our little home had been mortgaged ‘to give our boy a start.’ “Adams Express then paid monthly dividends of one per cent, and the first check arrived.... “The next day being Sunday, we boys—myself and my ever-constant companions—took our usual Sunday afternoon stroll in the country, and sitting down in the woods I showed them this check, saying, ‘Eureka! I have found it.’ “Here was something new to all of us, for none of us had ever received anything but from toil. A return from capital was something strange and new.” Concentrating his entire efforts on his work, Andrew learned all that there was to know about train-dispatching and began to improve on the existing methods. Time passed, and Colonel Scott becoming vice-president of the railroad, Andrew promptly stepped into the position of division superintendent which Colonel Scott vacated. Carnegie was now twenty-eight years old and by careful saving and investment he had acquired a tidy capital. A chance to invest in one of the first sleeping-car companies had been accepted by him, and a large profit was ultimately made out of the investment, although at the time Carnegie had to borrow the money for the stock of a banker in Altoona and repay the loan at the rate of $15 a month. A fortunate speculation in oil, which his savings permitted him to make, gave him his first real profit, and put him immediately in a position to play with larger affairs in a larger way. In the year 1865 Carnegie was thirty years old. As division superintendent of the Pennsylvania he had won for himself a place from which he could view a wider horizon; a large field of opportunities was visible. Also, he had saved his money; he was in a position to seize an opportunity when it appeared.