Nick will not be able to come home for Christmas since they will be sailing across to Europe soon. They were given sailing cards to fill out so that their parents would be notified when they arrive in France. He has not received any pay so he is asking Letty and his father for 5 dollars so that he will have some money when he goes across. His father will receive 5 dollars from his pay each month, his father will then give it to Letty to save. He tells Letty to buy herself something with his Christmas Club money. If he comes home again he will buy Letty a ring.
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