“That is twice what I can afford to pay,” he returned. “Gracious! I had no idea rates were so high.”

“That is not high, here in New York. But perhaps I can direct you to a place that will suit. I have a friend three blocks over. Here is her card,” and she handed it over.

Thanking her, the young oarsman got out without delay. He was glad she had directed him, for now he was certain he would at least strike a place that would fit his pocket-book.

Jerry went on until he came to an avenue down which the elevated cars were running. They were a great novelty and he paused on the corner to watch several of the trains rattle along overhead.

As Jerry was about to move on, he heard a wild cry of alarm from the second story window of a house opposite. Looking in the direction, he saw a girl pointing up the street to where a baby-carriage had rolled from the pavement to the gutter, overturning itself and spilling a little child into the street.

The youth ran in the direction with the idea of picking the child up. As he did this an ice-wagon came along at a furious speed, the driver on the seat trying in vain to stop his horse.

The ice-wagon was heading directly for the child and unless something was done the little one would be run over and most likely killed. With his heart in his throat our hero threw down his valise and leaped to the rescue. In another instant the runaway horse was fairly on top of the lad.