1909 - Big Pool, MD.

RJF buys his father's general store and railroad crosstie business for $1,600 in savings and a loan of $500. Over the next two years he increases his annual gross revenue from $20,000 to $60,000. He buys farmer's timber and sells it as crossties, using his own sawmills. (American Cyclopedia. P. 323, SAT. EVE. POST,)

RJF develops ulcers. "He also hustled himself into stomach ulcers which specialists at Johns Hopkins University diagnosed as fatal. Expecting to go over Jordan, he sold out for $10,000 profit, but bought a two-cylinder Maxwell as a hedge on this world. (SAT. EVE. POST)

"I drove him like a slave . . ."

"I was condemned to die in a short time . . ."

"When a local cross-tie dealer failed, young Ray rushed to the scene and acquired another enterprise, despite the fact that by now he was principally skin and bones. One day a farmer who was delivering some ties handed him a soda mint. Ray took to chewing mints, got well and ever since has carried a small bottle of the tablets in his pocket." (SAT. EVE. POST)