nearly three o'clock
It 's Fred 's money , too . '' The broker laughed , wrote the receipt , and handed it to Fred , with the remark : `` You will soon learn how easy it is to lose money in Wall Street . '' `` When a man loses , somebody wins , '' Fred replied , and Tabor never forgot the remark , for he had reason to remember it ere he was a year older . The two boys went out and Bob said , when they reached the sidewalk : `` I 've got to go back to the office , but wo n't have to stay long as it is nearly three o'clock . Come along and wait for me . '' Fred went with him and waited downstairs at the street entrance for him while he was standing there . Manson , whose name had been forged to the check which Fred had been instrumental in stopping , came down the stairs , accompanied by a tall , white-haired old man .