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John Stewart Kennedy (1830-1909), a Scots immigrant and entrepreneur, was a pioneer in this building boom. His rise to prosperity occurred because of his ability to mobilize the capital; in the end he helped create railroads that still form part of the backbone of America's transportation network. By the time he was thirty-eight, Kennedy had formed his own banking company and had taken advantage of the booming economy. In the years to follow, Kennedy carved out an impressive niche in the world of railroad finance. His dual role as commission merchant and private banker provided him with information, contacts, prestige, and an uncanny sense of timing which allowed him to raise new capital while attracting investors into new ventures. Through his contributions, several railroads were reorganized and transformed into the more prominent lines still in use today. Later in his life, after he retired from banking and finance, Kennedy devoted his time and money to charity and civic activity. 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Now \u003ci\u003eThe Complete Tightwad Gazette\u003c\/i\u003ebrings together all of her best ideas and thriftiest thinking into one volume, along with new articles never published before in book format. Dacyczyn describes this collection as \"the book I wish I'd had when I began my adult life.\" Packed with humor, creativity, and insight,\u003ci\u003eThe Complete Tightwad Gazette\u003c\/i\u003eincludes hundreds of tips for anyone looking to save money or get out of debt, such as-\u003cbr\u003e \u003cbr\u003e Travel for tightwads . How to transform old blue jeans into potholders and quilts . Ten painless ways to save $100 this year . Picture-framing for pennies . A comparison of painting versus re-siding your house . Halloween costumes from scrounged materials . Thrifty window treatments . Ways to dry up dry-cleaning costs . Inexpensive gifts . Creative fundraisers for kids . Slashing your electric bill . Frugal fix-its . Cutting the cost of college . Moving for less . 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