Jim Crosby, the product of a broken home, becomes a gangster and goes to prison. Meanwhile, Ann Payton, an heiress, converts a saloon into a mission. She is engaged to her father's secretary, Temple Vaughn, a gambler. Jim is released from prison and seeks shelter at the mission. Temple becomes indebted to gambler Phil Johnson and is forced to arrange a crooked poker game involving some of his wealthy friends. Jim overhears the plot and, realizing that Temple is Ann's fiancé, robs the poker game and puts a check Temple forged into Temple's own pocket.

Dolly’s father disapproves of her boyfriend Ben, thinking he is only interested in athletics and not being able to provide for his daughter. Ben heads to the seashore to find work. Dolly convinces her father he isn’t feeling well and needs to get away to the beach. Once there she’s reunited with Ben much to her father’s chagrin but when he thinks Dolly is drowning and Ben saves her, he softens towards the lad.

Bailey Dryden, a young millionaire, gathers his companions for one last trip on his yacht before becoming Benedict, the yacht is anchored near Mermaid Rock. There is a legend about the rock of a young mermaid who lives there and can take human form every hundred years if she wishes.