Mr. Schwartz was the oldest of 7 children, so he had to quit school and work to help support his younger brothers and sisters. He never learned to read, so when he married and started a checking account, he signed his checks simply “XX”.

Eventually he started his own business, which immediately prospered.

He soon was a very rich man. One day, he got a call from his bank. “Mr. Schwartz,” said the banker, “I need to ask you about this check. We weren’t sure you had really signed it.  All these years you’ve been signing your checks ‘XX’, but we just got one that was signed with three XXX’s…”

Mr. Schwartz answered, “No problem, my friend. It’s just that since I’ve become so wealthy, my wife thought I ought to have a middle name.”