textfiles/etext/FICTION/alger-ragged-545.txt

RAGGED DICK by HORATIO ALGER JR.

Digitized by Cardinalis Etext Press [C.E.K.]
Posted to Wiretap in August 1993, as ragged.txt.

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----

From the book "Ragged Dick and Struggling Upward", published
by Penguin Books, 1985. Ragged Dick was first published in the 
United States by A.K. Loring, 1868. The Introduction written
by Carl Bode is not included in this etext, and is (c)1985 by 
Viking Penguin, Inc., all rights reserved. The text itself
is not copyright, and this etext is public domain.

                         RAGGED DICK
                             OR
                   STREET LIFE IN NEW YORK

CHAPTER I

RAGGED DICK IS INTRODUCED TO THE READER

"WAKE up there, youngster," said a rough voice.

Ragged Dick opened his eyes slowly, and stared stupidly in
the face of the speaker, but did not offer to get up.

"Wake up, you young vagabond!" said the man a little impatiently;
"I suppose you'd lay there all day, if I hadn't called you."

"What time is it?" asked Dick.

"Seven o'clock."

"Seven o'clock!  I oughter've been up an hour ago.  I know
what 'twas made me so precious sleepy.  I went to the Old
Bowery last night, and didn't turn in till past twelve."

"You went to the Old Bowery?  Where'd you get your money?"
asked the man, who was a porter in the employ of a firm doing
business on Spruce Street.  "Made it by shines, in course. 
My guardian don't allow me no money for theatres, so I have
to earn it."

"Some boys get it easier than that," said the porter significantly.

"You don't catch me stealin', if that's what you mean," said Dick.

"Don't you ever steal, then?"

"No, and I wouldn't.  Lots of boys does it, but I wouldn't."

"Well, I'm glad to hear you say that.  I believe there's some
good in you, Dick, after all."

"Oh, I'm a rough customer!" said Dick.  "But I wouldn't steal. 
It's mean."

"I'm glad you think so, Dick," and the rough voice sounded gentler
than at first.  "Have you got any money to buy your breakfast?"

"No, but I'll soon get some."

While this conversation had been going on, Dick had got up. 
His bedchamber had been a wooden box half full of straw, on
which the young bootblack had reposed his weary limbs, and
slept as soundly as if it had been a bed of down.  He dumped
down into the straw without taking the trouble of undressing.

Getting up too was an equally short process.  He jumped out
of the box, shook himself, picked out one or two straws that
had found their way into rents in his clothes, and, drawing a
well-worn cap over his uncombed locks, he was all ready for
the business of the day.

Dick's appearance as he stood beside the box was rather peculiar. 
His pants were torn in several places, and had apparently
belonged in the first instance to a boy two sizes larger
than himself.  He wore a vest, all the buttons of which
were gone except two, out of which peeped a shirt which
looked as if it had been worn a month.  To complete his
costume he wore a coat too long for him, dating back, if one
might judge from its general appearance, to a remote antiquity.

Washing the face and hands is usually considered proper in
commencing the day, but Dick was above such refinement. 
He had no particular dislike to dirt, and did not think it
necessary to remove several dark streaks on his face and hands. 
But in spite of his dirt and rags there was something
about Dick that was attractive.  It was easy to see that if
he had been clean and well dressed he would have been
decidedly good-looking.  Some of his companions were sly, and
their faces inspired distrust; but Dick had a frank,
straight-forward manner that made him a favorite.

Dick's business hours had commenced.  He had no office to open. 
His little blacking-box was ready for use, and he looked
sharply in the faces of all who passed, addressing each with,
"Shine yer boots, sir?"

"How much?" asked a gentleman on his way to his office.

"Ten cents," said Dick, dropping his box, and sinking upon
his knees on the sidewalk, flourishing his brush with the air
of one skilled in his profession.

"Ten cents!  Isn't that a little steep?"

"Well, you know 'taint all clear profit," said Dick, who had
already set to work.  "There's the _blacking_ costs something,
and I have to get a new brush pretty often."

"And you have a large rent too," said the gentleman
quizzically, with a glance at a large hole in Dick's coat.

"Yes, sir," said Dick, always ready to joke; "I have to pay
such a big rent for my manshun up on Fifth Avenoo, that I
can't afford to take less than ten cents a shine.  I'll give
you a bully shine, sir."

"Be quick about it, for I am in a hurry.  So your house is on
Fifth Avenue, is it?"

"It isn't anywhere else, said Dick, and Dick spoke the truth there.

"What tailor do you patronize?" asked the gentleman,
surveying Dick's attire.

"Would you like to go to the same one?" asked Dick, shrewdly.

"Well, no; it strikes me that he didn't give you a very good fit."

"This coat once belonged to General Washington," said Dick, comically. 
"He wore it all through the Revolution, and it got torn some,
'cause he fit so hard.  When he died he told his widder to give
it to some smart young feller that hadn't got none of his own;
so she gave it to me.  But if you'd like it, sir, to remember
General Washington by, I'll let you have it reasonable."

"Thank you, but I wouldn't want to deprive you of it. 
And did your pants come from General Washington too?"

"No, they was a gift from Lewis Napoleon.  Lewis had outgrown
'em and sent 'em to me,--he's bigger than me, and that's why
they don't fit."

"It seems you have distinguished friends.  Now, my lad, I
suppose you would like your money."

"I shouldn't have any objection," said Dick.

"I believe," said the gentleman, examining his pocket-book,
"I haven't got anything short of twenty-five cents.  Have you
got any change?"

"Not a cent," said Dick.  "All my money's invested in the
Erie Railroad."

"That's unfortunate."

"Shall I get the money changed, sir?"

"I can't wait; I've got to meet an appointment immediately. 
I'll hand you twenty-five cents, and you can leave the change
at my office any time during the day."

"All right, sir.  Where is it?"

"No. 125 Fulton Street.  Shall you remember?"

"Yes, sir.  What name?"

"Greyson,--office on second floor."

"All right, sir; I'll bring it."

"I wonder whether the little scamp will prove honest," said
Mr. Greyson to himself, as he walked away.  "If he does, I'll
give him my custom regularly.  If he don't as is most likely,
I shan't mind the loss of fifteen cents."

Mr. Greyson didn't understand Dick.  Our ragged hero wasn't a
model boy in all respects.  I am afraid he swore sometimes,
and now and then he played tricks upon unsophisticated boys
from the country, or gave a wrong direction to honest old
gentlemen unused to the city.  A clergyman in search of the
Cooper Institute he once directed to the Tombs Prison, and,
following him unobserved, was highly delighted when the
unsuspicious stranger walked up the front steps of the great
stone building on Centre Street, and tried to obtain admission.

"I guess he wouldn't want to stay long if he did get in," thought
Ragged Dick, hitching up his pants.  "Leastways I shouldn't. 
They're so precious glad to see you that they won't let you go,
but board you gratooitous, and never send in no bills."

Another of Dick's faults was his extravagance.  Being always
wide-awake and ready for business, he earned enough to have
supported him comfortably and respectably.  There were not a
few young clerks who employed Dick from time to time in his
professional capacity, who scarcely earned as much as he,
greatly as their style and dress exceeded his.  But Dick was
careless of his earnings.  Where they went he could hardly
have told himself.  However much he managed to earn during
the day, all was generally spent before morning.  He was fond
of going to the Old Bowery Theatre, and to Tony Pastor's, and
if he had any money left afterwards, he would invite some of
his friends in somewhere to have an oyster stew; so it seldom
happened that he commenced the day with a penny.

Then I am sorry to add that Dick had formed the habit of smoking. 
This cost him considerable, for Dick was rather fastidious about
his cigars, and wouldn't smoke the cheapest.  Besides, having a
liberal nature, he was generally ready to treat his companions. 
But of course the expense was the smallest objection.  No boy of
fourteen can smoke without being affected injuriously.  Men are
frequently injured by smoking, and boys always.  But large
numbers of the newsboys and boot-blacks form the habit. 
Exposed to the cold and wet they find that it warms them up,
and the self-indulgence grows upon them.  It is not uncommon
to see a little boy, too young to be out of his mother's sight,
smoking with all the apparent satisfaction of a veteran smoker.

There was another way in which Dick sometimes lost money. 
There was a noted gambling-house on Baxter Street, which in
the evening was sometimes crowded with these juvenile gamesters,
who staked their hard earnings, generally losing of course,
and refreshing themselves from time to time with a vile mixture
of liquor at two cents a glass.  Sometimes Dick strayed in here,
and played with the rest.

I have mentioned Dick's faults and defects, because I want it
understood, to begin with, that I don't consider him a model boy. 
But there were some good points about him nevertheless. 
He was above doing anything mean or dishonorable.  He would
not steal, or cheat, or impose upon younger boys, but was
frank and straight-forward, manly and self-reliant.  His nature
was a noble one, and had saved him from all mean faults. 
I hope my young readers will like him as I do, without being
blind to his faults.  Perhaps, although he was only a boot-black,
they may find something in him to imitate.

And now, having fairly introduced Ragged Dick to my young
readers, I must refer them to the next chapter for his
further adventures.

CHAPTER II

JOHNNY NOLAN

After Dick had finished polishing Mr. Greyson's boots he was
fortunate enough to secure three other customers, two of them
reporters in the Tribune establishment, which occupies the
corner of Spruce Street and Printing House Square.

When Dick had got through with his last customer the City
Hall clock indicated eight o'clock.  He had been up an hour,
and hard at work, and naturally began to think of breakfast. 
He went up to the head of Spruce Street, and turned into Nassau. 
Two blocks further, and he reached Ann Street.  On this street
was a small, cheap restaurant, where for five cents Dick could
get a cup of coffee, and for ten cents more, a plate of
beefsteak with a plate of bread thrown in.  These Dick ordered,
and sat down at a table.

It was a small apartment with a few plain tables unprovided
with cloths, for the class of customers who patronized it
were not very particular.  Our hero's breakfast was soon
before him.  Neither the coffee nor the steak were as good as
can be bought at Delmonico's; but then it is very doubtful
whether, in the present state of his wardrobe, Dick would
have been received at that aristocratic restaurant, even if
his means had admitted of paying the high prices there charged.

Dick had scarcely been served when he espied a boy about his
own size standing at the door, looking wistfully into the
restaurant.  This was Johnny Nolan, a boy of fourteen, who was
engaged in the same profession as Ragged Dick.  His wardrobe
was in very much the same condition as Dick's.

"Had your breakfast, Johnny?" inquired Dick, cutting off a
piece of steak.

"No."

"Come in, then.  Here's room for you."

"I ain't got no money," said Johnny, looking a little
enviously at his more fortunate friend.

"Haven't you had any shines?"

"Yes, I had one, but I shan't get any pay till to-morrow."

"Are you hungry?"

"Try me, and see."

"Come in.  I'll stand treat this morning."

Johnny Nolan was nowise slow to accept this invitation, and
was soon seated beside Dick.

"What'll you have, Johnny?"

"Same as you."

"Cup o' coffee and beefsteak," ordered Dick.

These were promptly brought, and Johnny attacked them vigorously.

Now, in the boot-blacking business, as well as in higher
avocations, the same rule prevails, that energy and industry
are rewarded, and indolence suffers.  Dick was energetic and
on the alert for business, but Johnny the reverse.  The
consequence was that Dick earned probably three times as much
as the other.

"How do you like it?" asked Dick, surveying Johnny's attacks
upon the steak with evident complacency.

"It's hunky."

I don't believe "hunky" is to be found in either Webster's or
Worcester's big dictionary; but boys will readily understand
what it means.

"Do you come here often?" asked Johnny.

"Most every day.  You'd better come too."

"I can't afford it."

"Well, you'd ought to, then," said Dick.  "What do you do I'd
like to know?"

I don't get near as much as you, Dick."

Well you might if you tried.  I keep my eyes open,--that's
the way I get jobs.  You're lazy, that's what's the matter."

Johnny did not see fit to reply to this charge.  Probably he
felt the justice of it, and preferred to proceed with the
breakfast, which he enjoyed the more as it cost him nothing.

Breakfast over, Dick walked up to the desk, and settled the bill. 
Then, followed by Johnny, he went out into the street.

"Where are you going, Johnny?"

"Up to Mr. Taylor's, on Spruce Street, to see if he don't
want a shine."

"Do you work for him reg'lar?"

"Yes.  Him and his partner wants a shine most every day. 
Where are you goin'?"

"Down front of the Astor House.  I guess I'll find some
customers there."

At this moment Johnny started, and, dodging into an entry
way, hid behind the door, considerably to Dick's surprise.

"What's the matter now?" asked our hero.

"Has he gone?" asked Johnny, his voice betraying anxiety.

"Who gone, I'd like to know?"

"That man in the brown coat."

"What of him.  You ain't scared of him, are you?"

"Yes, he got me a place once."

"Where?"

"Ever so far off."

"What if he did?"

"I ran away."

"Didn't you like it?"

"No, I had to get up too early.  It was on a farm, and I had to
get up at five to take care of the cows.  I like New York best."

"Didn't they give you enough to eat?"

"Oh, yes, plenty."

"And you had a good bed?"

"Yes."

"Then you'd better have stayed.  You don't get either of them here. 
Where'd you sleep last night?"

"Up an alley in an old wagon."

"You had a better bed than that in the country, didn't you?"

"Yes, it was as soft as--as cotton."

Johnny had once slept on a bale of cotton, the recollection
supplying him with a comparison.

"Why didn't you stay?"

"I felt lonely," said Johnny.

Johnny could not exactly explain his feelings, but it is
often the case that the young vagabond of the streets, though
his food is uncertain, and his bed may be any old wagon or
barrel that he is lucky enough to find unoccupied when night
sets in, gets so attached to his precarious but independent
mode of life, that he feels discontented in any other.  He is
accustomed to the noise and bustle and ever-varied life of
the streets, and in the quiet scenes of the country misses
the excitement in the midst of which he has always dwelt.

Johnny had but one tie to bind him to the city.  He had a
father living, but he might as well have been without one. 
Mr. Nolan was a confirmed drunkard, and spent the greater
part of his wages for liquor.  His potations made him ugly, and
inflamed a temper never very sweet, working him up sometimes
to such a pitch of rage that Johnny's life was in danger. 
Some months before, he had thrown a flat-iron at his son's
head with such terrific force that unless Johnny had dodged
he would not have lived long enough to obtain a place in our
story.  He fled the house, and from that time had not dared
to re-enter it.  Somebody had given him a brush and box of
blacking, and he had set up in business on his own account. 
But he had not energy enough to succeed, as has already been
stated, and I am afraid the poor boy had met with many
hardships, and suffered more than once from cold and hunger. 
Dick had befriended him more than once, and often given him a
breakfast or dinner, as the case might be.

"How'd you get away?" asked Dick, with some curiosity.  "Did
you walk?"

"No, I rode on the cars."

"Where'd you get your money?  I hope you didn't steal it."

"I didn't have none."

"What did you do, then?"

"I got up about three o'clock, and walked to Albany."

"Where's that?" asked Dick, whose ideas on the subject of
geography were rather vague.

"Up the river."

"How far?"

"About a thousand miles," said Johnny, whose conceptions of
distance were equally vague.

Go ahead.  What did you do then?"

I hid on top of a freight car, and came all the way without
their seeing me.*  That man in the brown coat was the man
that got me the place, and I'm afraid he'd want to send me back."

* A fact.

"Well," said Dick, reflectively, "I dunno as I'd like to live
in the country.  I couldn't go to Tony Pastor's or the Old
Bowery.  There wouldn't be no place to spend my evenings. 
But I say, it's tough in winter, Johnny, 'specially when your
overcoat's at the tailor's, an' likely to stay there."

"That's so, Dick.  But I must be goin', or Mr. Taylor'll get
somebody else to shine his boots."

Johnny walked back to Nassau Street, while Dick kept on his
way to Broadway.

"That boy," soliloquized Dick, as Johnny took his departure,
"ain't got no ambition.  I'll bet he won't get five shines
to-day.  I'm glad I ain't like him.  I couldn't go to the
theatre, nor buy no cigars, nor get half as much as I wanted
to eat.--Shine yer boots, sir?"

Dick always had an eye to business, and this remark was
addressed to a young man, dressed in a stylish manner, who
was swinging a jaunty cane.

"I've had my boots blacked once already this morning, but
this confounded mud has spoiled the shine."

"I'll make 'em all right, sir, in a minute."

"Go ahead, then."

The boots were soon polished in Dick's best style, which
proved very satisfactory, our hero being a proficient in the art.

"I haven't got any change," said the young man, fumbling in
his pocket, "but here's a bill you may run somewhere and get
changed.  I'll pay you five cents extra for your trouble."

He handed Dick a two-dollar bill, which our hero took into a
store close by.

"Will you please change that, sir?" said Dick, walking up to
the counter.

The salesman to whom he proffered it took the bill, and,
slightly glancing at it, exclaimed angrily, "Be off, you
young vagabond, or I'll have you arrested."

"What's the row?"

"You've offered me a counterfeit bill."

"I didn't know it," said Dick.

"Don't tell me.  Be off, or I'll have you arrested."

CHAPTER III

DICK MAKES A PROPOSITION

Though Dick was somewhat startled at discovering that the bill
he had offered was counterfeit, he stood his ground bravely.

"Clear out of this shop, you young vagabond," repeated the clerk.

"Then give me back my bill."

"That you may pass it again?  No, sir, I shall do no such thing."

"It doesn't belong to me," said Dick.  "A gentleman that owes
me for a shine gave it to me to change."

"A likely story," said the clerk; but he seemed a little uneasy.

"I'll go and call him," said Dick.

He went out, and found his late customer standing on the
Astor House steps.

"Well, youngster, have you brought back my change?  You were
a precious long time about it.  I began to think you had
cleared out with the money."

"That ain't my style," said Dick, proudly.

"Then where's the change?"

"I haven't got it."

"Where's the bill then?"

"I haven't got that either."

"You young rascal!"

"Hold on a minute, mister," said Dick, "and I'll tell you all
about it.  The man what took the bill said it wasn't good,
and kept it."

"The bill was perfectly good.  So he kept it, did he? 
I'll go with you to the store, and see whether he won't
give it back to me."

Dick led the way, and the gentleman followed him into the store. 
At the reappearance of Dick in such company, the clerk flushed
a little, and looked nervous.  He fancied that he could browbeat
a ragged boot-black, but with a gentleman he saw that it would
be a different matter.  He did not seem to notice the newcomers,
but began to replace some goods on the shelves.

Now, said the young man, "point out the clerk that has my money."

"That's him," said Dick, pointing out the clerk.

The gentleman walked up to the counter.

"I will trouble you," he said a little haughtily, "for a bill
which that boy offered you, and which you still hold in your
possession."

"It was a bad bill," said the clerk, his cheek flushing, and
his manner nervous.

"It was no such thing.  I require you to produce it, and let
the matter be decided."

The clerk fumbled in his vest-pocket, and drew out a bad-
looking bill.

"This is a bad bill, but it is not the one I gave the boy."

"It is the one he gave me."

The young man looked doubtful.

"Boy," he said to Dick, "is this the bill you gave to be changed?"

"No, it isn't."

"You lie, you young rascal!" exclaimed the clerk, who began
to find himself in a tight place, and could not see the way out.

This scene naturally attracted the attention of all in the
store, and the proprietor walked up from the lower end, where
he had been busy.

"What's all this, Mr. Hatch?" he demanded.

"That boy," said the clerk, "came in and asked change for a
bad bill.  I kept the bill, and told him to clear out.  Now he
wants it again to pass on somebody else."

"Show the bill."

The merchant looked at it.  "Yes, that's a bad bill," he said. 
"There is no doubt about that."

"But it is not the one the boy offered," said Dick's patron. 
"It is one of the same denomination, but on a different bank."

"Do you remember what bank it was on?"

"It was on the Merchants' Bank of Boston."

"Are you sure of it?"

"I am."

"Perhaps the boy kept it and offered the other."

"You may search me if you want to," said Dick, indignantly.

"He doesn't look as if he was likely to have any extra bills. 
I suspect that your clerk pocketed the good bill, and has
substituted the counterfeit note.  It is a nice little scheme
of his for making money "

"I haven't seen any bill on the Merchants' Bank," said the
clerk, doggedly.

"You had better feel in your pockets."

"This matter must be investigated," said the merchant, firmly. 
"If you have the bill, produce it."

"I haven't got it," said the clerk; but he looked guilty
notwithstanding.

"I demand that he be searched," said Dick's patron.

"I tell you I haven't got it."

"Shall I send for a police officer, Mr. Hatch, or will you
allow yourself to be searched quietly?" said the merchant.

Alarmed at the threat implied in these words, the clerk put
his hand into his vest-pocket, and drew out a two-dollar bill
on the Merchants' Bank.

"Is this your note?" asked the shopkeeper, showing it to the
young man.

"It is."

"I must have made a mistake," faltered the clerk.

"I shall not give you a chance to make such another mistake
in my employ," said the merchant sternly.  "You may go up to
the desk and ask for what wages are due you.  I shall have no
further occasion for your services."

"Now, youngster," said Dick's patron, as they went out of the
store, after he had finally got the bill changed.  "I must pay
you something extra for your trouble.  Here's fifty cents."

"Thank you, sir," said Dick.  "You're very kind.  Don't you
want some more bills changed?"

"Not to-day," said he with a smile.  "It's too expensive."

"I'm in luck," thought our hero complacently.  "I guess I'll go
to Barnum's to-night, and see the bearded lady, the eight-
foot giant, the two-foot dwarf, and the other curiosities,
too numerous to mention."

Dick shouldered his box and walked up as far as the Astor House. 
He took his station on the sidewalk, and began to look about him.

Just behind him were two persons,--one, a gentleman of fifty;
the other, a boy of thirteen or fourteen.  They were speaking
together, and Dick had no difficulty in hearing what was said.

"I am sorry, Frank, that I can't go about, and show you some of
the sights of New York, but I shall be full of business to-day. 
It is your first visit to the city, too."

"Yes, sir."

There's a good deal worth seeing here.  But I'm afraid you'll
have to wait to next time.  You can go out and walk by
yourself, but don't venture too far, or you will get lost."

Frank looked disappointed.

"I wish Tom Miles knew I was here," he said.  "He would go
around with me."

"Where does he live?"

"Somewhere up town, I believe."

"Then, unfortunately, he is not available.  If you would
rather go with me than stay here, you can, but as I shall be
most of the time in merchants'-counting-rooms, I am afraid
it would not be very interesting."

"I think," said Frank, after a little hesitation, "that I
will go off by myself.  I won't go very far, and if I lose my
way, I will inquire for the Astor House."

"Yes, anybody will direct you here.  Very well, Frank, I am
sorry I can't do better for you."

"Oh, never mind, uncle, I shall be amused in walking around,
and looking at the shop-windows.  There will be a great deal
to see."

Now Dick had listened to all this conversation.  Being an
enterprising young man, he thought he saw a chance for a
speculation, and determined to avail himself of it.

Accordingly he stepped up to the two just as Frank's uncle
was about leaving, and said, "I know all about the city, sir;
I'll show him around, if you want me to."

The gentleman looked a little curiously at the ragged figure
before him.

"So you are a city boy, are you?"

"Yes, sir," said Dick, "I've lived here ever since I was a baby."

"And you know all about the public buildings, I suppose?"

"Yes, sir."

"And the Central Park?"

"Yes, sir.  I know my way all round."

The gentleman looked thoughtful.

"I don't know what to say, Frank," he remarked after a while. 
"It is rather a novel proposal.  He isn't exactly the sort of
guide I would have picked out for you.  Still he looks honest. 
He has an open face, and I think can be depended upon."

"I wish he wasn't so ragged and dirty," said Frank, who felt
a little shy about being seen with such a companion.

"I'm afraid you haven't washed your face this morning," said
Mr. Whitney, for that was the gentleman's name.

"They didn't have no wash-bowls at the hotel where I
stopped," said Dick.

"What hotel did you stop at?"

"The Box Hotel."

"The Box Hotel?"

"Yes, sir, I slept in a box on Spruce Street."

Frank surveyed Dick curiously.

"How did you like it?" he asked.

"I slept bully."

"Suppose it had rained."

"Then I'd have wet my best clothes," said Dick.

"Are these all the clothes you have?"

"Yes, sir."

Mr. Whitney spoke a few words to Frank, who seemed pleased
with the suggestion.

"Follow me, my lad," he said.

Dick in some surprise obeyed orders, following Mr. Whitney
and Frank into the hotel, past the office, to the foot of the
staircase.  Here a servant of the hotel stopped Dick, but Mr.
Whitney explained that he had something for him to do, and he
was allowed to proceed.

They entered a long entry, and finally paused before a door. 
This being opened a pleasant chamber was disclosed.

"Come in, my lad," said Mr. Whitney.

Dick and Frank entered.

CHAPTER IV

DICK'S NEW SUIT

"Now," said Mr. Whitney to Dick, "my nephew here is on his
way to a boarding-school.  He has a suit of clothes in his
trunk about half worn.  He is willing to give them to you. 
I think they will look better than those you have on."

Dick was so astonished that he hardly knew what to say. 
Presents were something that he knew very little about, never
having received any to his knowledge.  That so large a gift
should be made to him by a stranger seemed very wonderful.

The clothes were brought out, and turned out to be a neat
gray suit.

"Before you put them on, my lad, you must wash yourself. 
Clean clothes and a dirty skin don't go very well together. 
Frank, you may attend to him.  I am obliged to go at once. 
Have you got as much money as you require?"

"Yes, uncle."

"One more word, my lad," said Mr. Whitney, addressing Dick;
"I may be rash in trusting a boy of whom I know nothing, but
I like your looks, and I think you will prove a proper guide
for my nephew."

"Yes, I will, sir," said Dick, earnestly.  "Honor bright!"

"Very well.  A pleasant time to you."

The process of cleansing commenced.  To tell the truth Dick
needed it, and the sensation of cleanliness he found both new
and pleasant.  Frank added to his gift a shirt, stockings,
and an old pair of shoes.  "I am sorry I haven't any cap,"
said he.

"I've got one," said Dick.

"It isn't so new as it might be," said Frank, surveying an
old felt hat, which had once been black, but was now dingy,
with a large hole in the top and a portion of the rim torn off.

"No," said Dick; "my grandfather used to wear it when he was
a boy, and I've kep' it ever since out of respect for his
memory.  But I'll get a new one now.  I can buy one cheap on
Chatham Street."

"Is that near here?"

"Only five minutes' walk."

"Then we can get one on the way."

When Dick was dressed in his new attire, with his face and
hands clean, and his hair brushed, it was difficult to
imagine that he was the same boy.

He now looked quite handsome, and might readily have been
taken for a young gentleman, except that his hands were red
and grimy.

"Look at yourself," said Frank, leading him before the mirror.

"By gracious!" said Dick, starting back in astonishment,
"that isn't me, is it?"

"Don't you know yourself?" asked Frank, smiling.

"It reminds me of Cinderella," said Dick, "when she was
changed into a fairy princess.  I see it one night at
Barnum's.  What'll Johnny Nolan say when he sees me? 
He won't dare to speak to such a young swell as I be now. 
Ain't it rich?" and Dick burst into a loud laugh.  His fancy
was tickled by the anticipation of his friend's surprise. 
Then the thought of the valuable gifts he had revived occurred
to him, and he looked gratefully at Frank.

"You're a brick," he said.

"A what?"

"A brick!  You're a jolly good fellow to give me such a present."

"You're quite welcome, Dick," said Frank, kindly.  "I'm better
off than you are, and I can spare the clothes just as well
as not.  You must have a new hat though.  But that we can get
when we go out.  The old clothes you can make into a bundle."

"Wait a minute till I get my handkercher," and Dick pulled
from the pocket of the pants a dirty rag, which might have
been white once, though it did not look like it, and had
apparently once formed a part of a sheet or shirt.

"You mustn't carry that," said Frank.

"But I've got a cold," said Dick.

"Oh, I don't mean you to go without a handkerchief. 
I'll give you one."

Frank opened his trunk and pulled out two, which he gave to Dick.

"I wonder if I ain't dreamin'" said Dick, once more surveying
himself doubtfully in the glass.  "I'm afraid I'm dreamin',
and shall wake up in a barrel, as I did night afore last."

"Shall I pinch you so you can wake here?" asked Frank, playfully.

"Yes," said Dick, seriously, "I wish you would."

He pulled up the sleeve of his jacket, and Frank pinched him
pretty hard, so that Dick winced.

"Yes, I guess I'm awake," said Dick; "you've got a pair of
nippers, you have.  But what shall I do with my brush and
blacking?" he asked.

"You can leave them here till we come back," said Frank.
"They will be safe."

"Hold on a minute," said Dick, surveying Frank's boots with a
professional eye, "you ain't got a good shine on them boots. 
I'll make 'em shine so you can see your face in 'em."

And he was as good as his word.

"Thank you," said Frank; "now you had better brush your own shoes."

This had not occurred to Dick, for in general the
professional boot-black considers his blacking too valuable
to expend on his own shoes or boots, if he is fortunate
enough to possess a pair.

The two boys now went downstairs together.  They met the same
servant who had spoken to Dick a few minutes before, but
there was no recognition.

"He don't know me," said Dick.  "He thinks I'm a young swell
like you."

"What's a swell?"

"Oh, a feller that wears nobby clothes like you."

"And you, too, Dick."

"Yes," said Dick, "who'd ever have thought as I should have
turned into a swell?"

They had now got out on Broadway, and were slowly walking
along the west side by the Park, when who should Dick see in
front of him, but Johnny Nolan?

Instantly Dick was seized with a fancy for witnessing
Johnny's amazement at his change in appearance.  He stole up
behind him, and struck him on the back.

"Hallo, Johnny, how many shines have you had?"

Johnny turned round expecting to see Dick, whose voice he
recognized, but his astonished eyes rested on a nicely
dressed boy (the hat alone excepted) who looked indeed like
Dick, but so transformed in dress that it was difficult to be
sure of his identity.

"What luck, Johnny?" repeated Dick.

Johnny surveyed him from head to foot in great bewilderment.

"Who be you?" he said.

"Well, that's a good one," laughed Dick; "so you don't know Dick?"

"Where'd you get all them clothes?" asked Johnny.  "Have you
been stealin'?"

"Say that again, and I'll lick you.  No, I've lent my clothes
to a young feller as was goin' to a party, and didn't have
none fit to wear, and so I put on my second-best for a change."

Without deigning any further explanation, Dick went off,
followed by the astonished gaze of Johnny Nolan, who could
not quite make up his mind whether the neat-looking boy he
had been talking with was really Ragged Dick or not.

In order to reach Chatham Street it was necessary to cross
Broadway.  This was easier proposed than done.  There is
always such a throng of omnibuses, drays, carriages, and
vehicles of all kinds in the neighborhood of the Astor House,
that the crossing is formidable to one who is not used to it. 
Dick made nothing of it, dodging in and out among the horses
and wagons with perfect self-possession.  Reaching the
opposite sidewalk, he looked back, and found that Frank had
retreated in dismay, and that the width of the street was
between them.

"Come across!" called out Dick.

"I don't see any chance," said Frank, looking anxiously at
the prospect before him.  "I'm afraid of being run over."

"If you are, you can sue 'em for damages," said Dick.

Finally Frank got safely over after several narrow escapes,
as he considered them.

"Is it always so crowded?" he asked.

"A good deal worse sometimes," said Dick.  "I knowed a young
man once who waited six hours for a chance to cross, and at
last got run over by an omnibus, leaving a widder and a large
family of orphan children.  His widder, a beautiful young
woman, was obliged to start a peanut and apple stand.  There
she is now."

"Where?"

Dick pointed to a hideous old woman, of large proportions,
wearing a bonnet of immense size, who presided over an apple-
stand close by.

Frank laughed.

"If that is the case," he said, "I think I will patronize her."

"Leave it to me," said Dick, winking.

He advanced gravely to the apple-stand, and said, "Old lady,
have you paid your taxes?"

The astonished woman opened her eyes.

"I'm a gov'ment officer," said Dick, "sent by the mayor to
collect your taxes.  I'll take it in apples just to oblige. 
That big red one will about pay what you're owin' to the gov'ment."

"I don't know nothing about no taxes," said the old woman, in
bewilderment.

"Then," said Dick, "I'll let you off this time.  Give us two
of your best apples, and my friend here, the President of the
Common Council, will pay you."

Frank smiling, paid three cents apiece for the apples, and
they sauntered on, Dick remarking, "If these apples ain't
good, old lady, we'll return 'em, and get our money back."
This would have been rather difficult in his case, as the
apple was already half consumed.

Chatham Street, where they wished to go, being on the East
side, the two boys crossed the Park.  This is an enclosure of
about ten acres, which years ago was covered with a green
sward, but is now a great thoroughfare for pedestrians and
contains several important public buildings.  Dick pointed
out the City Hall, the Hall of Records, and the Rotunda. 
The former is a white building of large size, and surmounted
by a cupola.

"That's where the mayor's office is," said Dick.  "Him and me
are very good friends.  I once blacked his boots by
partic'lar appointment.  That's the way I pay my city taxes."

CHAPTER V

CHATHAM STREET AND BROADWAY

They were soon in Chatham Street, walking between rows of
ready-made clothing shops, many of which had half their stock
in trade exposed on the sidewalk.  The proprietors of these
establishments stood at the doors, watching attentively the
passersby, extending urgent invitations to any who even
glanced at the goods to enter.

"Walk in, young gentlemen," said a stout man, at the entrance
of one shop.

"No, I thank you," replied Dick, "as the fly said to the spider."

"We're selling off at less than cost."

"Of course you be.  That's where you makes your money," said
Dick.  "There ain't nobody of any enterprise that pretends to
make any profit on his goods."

The Chatham Street trader looked after our hero as if he
didn't quite comprehend him; but Dick, without waiting for a
reply, passed on with his companion.

In some of the shops auctions seemed to be going on.

"I am only offered two dollars, gentlemen, for this elegant
pair of doeskin pants, made of the very best of cloth.  It's
a frightful sacrifice.  Who'll give an eighth?  Thank you,
sir.  Only seventeen shillings!  Why the cloth cost more by
the yard!"

This speaker was standing on a little platform haranguing to
three men, holding in his hand meanwhile a pair of pants very
loose in the legs, and presenting a cheap Bowery look.

Frank and Dick paused before the shop door, and finally saw
them knocked down to rather a verdant-looking individual at
three dollars.

"Clothes seem to be pretty cheap here," said Frank.

"Yes, but Baxter Street is the cheapest place."

"Is it?"

"Yes.  Johnny Nolan got a whole rig-out there last week, for
a dollar,--coat, cap, vest, pants, and shoes.  They was very
good measure, too, like my best clothes that I took off to
oblige you."

"I shall know where to come for clothes next time," said
Frank, laughing.  "I had no idea the city was so much cheaper
than the country.  I suppose the Baxter Street tailors are
fashionable?"

"In course they are.  Me and Horace Greeley always go there
for clothes.  When Horace gets a new suit, I always have one
made just like it; but I can't go the white hat.  It ain't
becomin' to my style of beauty."

A little farther on a man was standing out on the sidewalk,
distributing small printed handbills.  One was handed to
Frank, which he read as follows,--

"GRAND CLOSING-OUT SALE!--A variety of Beautiful and Costly
Articles for Sale, at a Dollar apiece.  Unparalleled
Inducements!  Walk in, Gentlemen!"

"Whereabouts is this sale?" asked Frank.

"In here, young gentlemen," said a black-whiskered
individual, who appeared suddenly on the scene.  "Walk in."

"Shall we go in, Dick?"

"It's a swindlin' shop," said Dick, in a low voice.  "I've
been there.  That man's a regular cheat.  He's seen me
before, but he don't know me coz of my clothes."

"Step in and see the articles," said the man, persuasively. 
"You needn't buy, you know."

"Are all the articles worth more'n a dollar?" asked Dick.

"Yes," said the other, "and some worth a great deal more."

"Such as what?"

"Well, there's a silver pitcher worth twenty dollars."

"And you sell it for a dollar.  That's very kind of you,"
said Dick, innocently.

"Walk in, and you'll understand it."

"No, I guess not," said Dick.  "My servants is so dishonest
that I wouldn't like to trust 'em with a silver pitcher. 
Come along, Frank.  I hope you'll succeed in your charitable
enterprise of supplyin' the public with silver pitchers at
nineteen dollars less than they are worth."

"How does he manage, Dick?" asked Frank, as they went on.

"All his articles are numbered, and he makes you pay a
dollar, and then shakes some dice, and whatever the figgers
come to, is the number of the article you draw.  Most of 'em
ain't worth sixpence."

A hat and cap store being close at hand, Dick and Frank went
in.  For seventy-five cents, which Frank insisted on paying,
Dick succeeded in getting quite a neat-looking cap, which
corresponded much better with his appearance than the one he
had on.  The last, not being considered worth keeping, Dick
dropped on the sidewalk, from which, on looking back, he saw
it picked up by a brother boot-black who appeared to consider
it better than his own.

They retraced their steps and went up Chambers Street to
Broadway.  At the corner of Broadway and Chambers Street is a
large white marble warehouse, which attracted Frank's attention.

"What building is that?" he asked, with interest.

"That belongs to my friend A. T. Stewart," said Dick. 
"It's the biggest store on Broadway.* If I ever retire from
boot- blackin', and go into mercantile pursuits, I may buy
him out, or build another store that'll take the shine off
this one."

* Mr. Stewart's Tenth Street store was not open at the time
Dick spoke.

"Were you ever in the store?" asked Frank.

"No," said Dick; "but I'm intimate with one of Stewart's
partners.  He is a cash boy, and does nothing but take money
all day."

"A very agreeable employment," said Frank, laughing.

"Yes," said Dick, "I'd like to be in it."

The boys crossed to the West side of Broadway, and walked
slowly up the street.  To Frank it was a very interesting
spectacle.  Accustomed to the quiet of the country, there
was something fascinating in the crowds of people thronging
the sidewalks, and the great variety of vehicles constantly
passing and repassing in the street.  Then again the
shop-windows with their multifarious contents interested and
amused him, and he was constantly checking Dick to look in at
some well-stocked window.

"I don't see how so many shopkeepers can find people enough
to buy of them," he said.  "We haven't got but two stores in
our village, and Broadway seems to be full of them."

"Yes," said Dick; "and its pretty much the same in the
avenoos, 'specially the Third, Sixth, and Eighth avenoos. 
The Bowery, too, is a great place for shoppin'.  There
everybody sells cheaper'n anybody else, and nobody pretends
to make no profit on their goods."

"Where's Barnum's Museum?" asked Frank.

"Oh, that's down nearly opposite the Astor House," said Dick. 
"Didn't you see a great building with lots of flags?"

"Yes."

"Well, that's Barnum's.*  That's where the Happy Family live,
and the lions, and bears, and curiosities generally.  It's a
tip-top place.  Haven't you ever been there?  It's most as
good as the Old Bowery, only the plays isn't quite so excitin'."

* Since destroyed by fire, and rebuilt farther up Broadway,
and again burned down in February.

"I'll go if I get time," said Frank.  "There is a boy at home
who came to New York a month ago, and went to Barnum's, and
has been talking about it ever since, so I suppose it must be
worth seeing."

"They've got a great play at the Old Bowery now," pursued
Dick.  "'Tis called the `Demon of the Danube.'  The Demon
falls in love with a young woman, and drags her by the hair
up to the top of a steep rock where his castle stands."

"That's a queer way of showing his love," said Frank, laughing.

"She didn't want to go with him, you know, but was in love
with another chap.  When he heard about his girl bein'
carried off, he felt awful, and swore an oath not to rest
till he had got her free.  Well, at last he got into the
castle by some underground passage, and he and the Demon had
a fight.  Oh, it was bully seein' 'em roll round on the
stage, cuttin' and slashin' at each other."

"And which got the best of it?"

"At first the Demon seemed to be ahead, but at last the
young Baron got him down, and struck a dagger into his heart,
sayin', `Die, false and perjured villain!  The dogs shall
feast upon thy carcass!' and then the Demon give an awful
howl and died.  Then the Baron seized his body, and threw it
over the precipice."

"It seems to me the actor who plays the Demon ought to get
extra pay, if he has to be treated that way."

"That's so," said Dick; "but I guess he's used to it. 
It seems to agree with his constitution."

"What building is that?" asked Frank, pointing to a structure
several rods back from the street, with a large yard in front. 
It was an unusual sight for Broadway, all the other buildings
in that neighborhood being even with the street.

"That is the New York Hospital," said Dick.  "They're a rich
institution, and take care of sick people on very reasonable terms."

"Did you ever go in there?"

"Yes," said Dick; "there was a friend of mine, Johnny Mullen,
he was a newsboy, got run over by a omnibus as he was
crossin' Broadway down near Park Place.  He was carried to
the Hospital, and me and some of his friends paid his board
while he was there.  It was only three dollars a week, which
was very cheap, considerin' all the care they took of him. 
I got leave to come and see him while he was here.  Everything
looked so nice and comfortable, that I thought a little of
coaxin' a omnibus driver to run over me, so I might go there too."

"Did your friend have to have his leg cut off?" asked Frank,
interested.

"No," said Dick; "though there was a young student there that
was very anxious to have it cut off; but it wasn't done, and
Johnny is around the streets as well as ever."

While this conversation was going on they reached No. 365,
at the corner of Franklin Street.*

* Now the office of the Merchants' Union Express Company.

"That's Taylor's Saloon," said Dick.  "When I come into a
fortun' I shall take my meals there reg'lar."

"I have heard of it very often," said Frank.  "It is said to
be very elegant.  Suppose we go in and take an ice-cream. 
It will give us a chance to see it to better advantage."

"Thank you," said Dick; "I think that's the most agreeable
way of seein' the place myself."

The boys entered, and found themselves in a spacious and
elegant saloon, resplendent with gilding, and adorned on all
sides by costly mirrors.  They sat down to a small table with
a marble top, and Frank gave the order.

"It reminds me of Aladdin's palace," said Frank, looking
about him.

"Does it?" said Dick; "he must have had plenty of money."

"He had an old lamp, which he had only to rub, when the Slave
of the Lamp would appear, and do whatever he wanted."

"That must have been a valooable lamp.  I'd be willin' to
give all my Erie shares for it."

There was a tall, gaunt individual at the next table, who
apparently heard this last remark of Dick's.  Turning towards
our hero, he said, "May I inquire, young man, whether you are
largely interested in this Erie Railroad?"

"I haven't got no property except what's invested in Erie,"
said Dick, with a comical side-glance at Frank.

"Indeed!  I suppose the investment was made by your guardian."

"No," said Dick; "I manage my property myself."

"And I presume your dividends have not been large?"

"Why, no," said Dick; "you're about right there.  They haven't."

"As I supposed.  It's poor stock.  Now, my young friend, I
can recommend a much better investment, which will yield you
a large annual income.  I am agent of the Excelsior Copper
Mining Company, which possesses one of the most productive
mines in the world.  It's sure to yield fifty per cent.  on
the investment.  Now, all you have to do is to sell out your
Erie shares, and invest in our stock, and I'll insure you a
fortune in three years.  How many shares did you say you had?"

"I didn't say, that I remember," said Dick.  "Your offer is
very kind and obligin', and as soon as I get time I'll see
about it."

"I hope you will," said the stranger.  "Permit me to give you
my card.  `Samuel Snap, No.-- Wall Street.' I shall be most
happy to receive a call from you, and exhibit the maps of our
mine.  I should be glad to have you mention the matter also
to your friends.  I am confident you could do no greater
service than to induce them to embark in our enterprise."

"Very good," said Dick.

Here the stranger left the table, and walked up to the desk
to settle his bill.

"You see what it is to be a man of fortun', Frank," said
Dick, "and wear good clothes.  I wonder what that chap'll say
when he sees me blackin' boots to-morrow in the street?"

"Perhaps you earn your money more honorably than he does,
after all," said Frank.  "Some of these mining companies are
nothing but swindles, got up to cheat people out of their money "

"He's welcome to all he gets out of me," said Dick.

CHAPTER VI

UP BROADWAY TO MADISON SQUARE

As the boys pursued their way up Broadway, Dick pointed out
the prominent hotels and places of amusement.  Frank was
particularly struck with the imposing fronts of the St.
Nicholas and Metropolitan Hotels, the former of white marble,
the latter of a subdued brown hue, but not less elegant in
its internal appointments.  He was not surprised to be
informed that each of these splendid structures cost with the
furnishing not far from a million dollars.

At Eighth Street Dick turned to the right, and pointed out
the Clinton Hall Building now occupied by the Mercantile
Library, comprising at that time over fifty thousand volumes.*

* Now not far from one hundred thousand.

A little farther on they came to a large building standing by
itself just at the opening of Third and Fourth Avenues, and
with one side on each.

"What is that building?" asked Frank.

"That's the Cooper Institute," said Dick; "built by Mr.
Cooper, a particular friend of mine.  Me and Peter Cooper
used to go to school together."

"What is there inside?" asked Frank.

"There's a hall for public meetin's and lectures in the
basement, and a readin' room and a picture gallery up above,"
said Dick.

Directly opposite Cooper Institute, Frank saw a very large
building of brick, covering about an acre of ground.

"Is that a hotel?" he asked.

"No," said Dick; "that's the Bible House.  It's the place
where they make Bibles.  I was in there once,--saw a big pile
of 'em."

"Did you ever read the Bible?" asked Frank, who had some idea
of the neglected state of Dick's education.

"No," said Dick; "I've heard it's a good book, but I never
read one.  I ain't much on readin'.  It makes my head ache."

"I suppose you can't read very fast."

"I can read the little words pretty well, but the big ones is
what stick me."

"If I lived in the city, you might come every evening to me,
and I would teach you."

"Would you take so much trouble about me?" asked Dick, earnestly.

"Certainly; I should like to see you getting on.  There isn't
much chance of that if you don't know how to read and write."

"You're a good feller," said Dick, gratefully.  "I wish you
did live in New York.  I'd like to knows omethin'.  Whereabouts
do you live?"

"About fifty miles off, in a town on the left bank of the
Hudson.  I wish you'd come up and see me sometime.  I would
like to have you come and stop two or three days."

"Honor bright?"

"I don't understand."

"Do you mean it?" asked Dick, incredulously.

"Of course I do.  Why shouldn't I?"

"What would your folks say if they knowed you asked a
boot-black to visit you?"

"You are none the worse for being a boot-black, Dick."

"I ain't used to genteel society," said Dick.  "I shouldn't
know how to behave."

"Then I could show you.  You won't be a boot-black all your
life, you know."

"No," said Dick; "I'm goin' to knock off when I get to be ninety."

"Before that, I hope, said Frank, smiling.

"I really wish I could get somethin' else to do," said Dick,
soberly.  "I'd like to be a office boy, and learn business,
and grow up 'spectable."

"Why don't you try, and see if you can't get a place, Dick?"

"Who'd take Ragged Dick?"

"But you ain't ragged now, Dick."

"No," said Dick; "I look a little better than I did in my
Washington coat and Louis Napoleon pants.  But if I got in a
office, they wouldn't give me more'n three dollars a week,
and I couldn't live 'spectable on that."

"No, I suppose not," said Frank, thoughtfully.  "But you
would get more at the end of the first year."

"Yes," said Dick; "but by that time I'd be nothin' but skin
and bones."

Frank laughed.  "That reminds me," he said, "of the story of
an Irishman, who, out of economy, thought he would teach his
horse to feed on shavings.  So he provided the horse with a
pair of green spectacles which made the shavings look eatable. 
But unfortunately, just as the horse got learned, he up and died."

"The hoss must have been a fine specimen of architectur' by
the time he got through," remarked Dick.

"Whereabouts are we now?" asked Frank, as they emerged from
Fourth Avenue into Union Square.

"That is Union Park," said Dick, pointing to a beautiful enclosure,
in the centre of which was a pond, with a fountain playing.

"Is that the statue of General Washington?" asked Frank,
pointing to a bronze equestrian statue, on a granite pedestal.

"Yes," said Dick; "he's growed some since he was President. 
If he'd been as tall as that when he fit in the Revolution,
he'd have walloped the Britishers some, I reckon."

Frank looked up at the statue, which is fourteen and a half
feet high, and acknowledged the justice of Dick's remark.

"How about the coat, Dick?" he asked.  "Would it fit you?"

"Well, it might be rather loose," said Dick, "I ain't much
more'n ten feet high with my boots off."

"No, I should think not," said Frank, smiling.  "You're a
queer boy, Dick."

"Well, I've been brought up queer.  Some boys is born with a
silver spoon in their mouth.  Victoria's boys is born with a
gold spoon, set with di'monds; but gold and silver was scarce
when I was born, and mine was pewter."

"Perhaps the gold and silver will come by and by, Dick.  Did
you ever hear of Dick Whittington?"

"Never did.  Was he a Ragged Dick?"

"I shouldn't wonder if he was.  At any rate he was very poor
when he was a boy, but he didn't stay so.  Before he died, he
became Lord Mayor of London."

"Did he?" asked Dick, looking interested.  "How did he do it?"

"Why, you see, a rich merchant took pity on him, and gave him
a home in his own house, where he used to stay with the
servants, being employed in little errands.  One day the
merchant noticed Dick picking up pins and needles that had
been dropped, and asked him why he did it.  Dick told him he
was going to sell them when he got enough.  The merchant was
pleased with his saving disposition, and when soon after, he
was going to send a vessel to foreign parts, he told Dick he
might send anything he pleased in it, and it should be sold
to his advantage.  Now Dick had nothing in the world but a
kitten which had been given him a short time before."

"How much taxes did he have to pay on it?" asked Dick.

"Not very high, probably.  But having only the kitten, he
concluded to send it along.  After sailing a good many
months, during which the kitten grew up to be a strong cat,
the ship touched at an island never before known, which
happened to be infested with rats and mice to such an extent
that they worried everybody's life out, and even ransacked
the king's palace.  To make a long story short, the
captain, seeing how matters stood, brought Dick's cat ashore,
and she soon made the rats and mice scatter.  The king was
highly delighted when he saw what havoc she made among the
rats and mice, and resolved to have her at any price.  So he
offered a great quantity of gold for her, which, of course,
the captain was glad to accept.  It was faithfully carried
back to Dick, and laid the foundation of his fortune.  He
prospered as he grew up, and in time became a very rich
merchant, respected by all, and before he died was elected
Lord Mayor of London."

"That's a pretty good story" said Dick; "but I don't believe
all the cats in New York will ever make me mayor."

"No, probably not, but you may rise in some other way. 
A good many distinguished men have once been poor boys. 
There's hope for you, Dick, if you'll try."

"Nobody ever talked to me so before," said Dick.  "They just
called me Ragged Dick, and told me I'd grow up to be a
vagabone (boys who are better educated need not be surprised
at Dick's blunders) and come to the gallows."

"Telling you so won't make it turn out so, Dick.  If you'll
try to be somebody, and grow up into a respectable member of
society, you will.  You may not become rich,--it isn't
everybody that becomes rich, you know--but you can obtain a
good position, and be respected."

"I'll try," said Dick, earnestly.  "I needn't have been Ragged
Dick so long if I hadn't spent my money in goin' to the
theatre, and treatin' boys to oyster-stews, and bettin' money
on cards, and such like."

"Have you lost money that way?"

"Lots of it.  One time I saved up five dollars to buy me a
new rig-out, cos my best suit was all in rags, when Limpy Jim
wanted me to play a game with him."

"Limpy Jim?" said Frank, interrogatively.

"Yes, he's lame; that's what makes us call him Limpy Jim."

"I suppose you lost?"

"Yes, I lost every penny, and had to sleep out, cos I hadn't
a cent to pay for lodgin'.  'Twas a awful cold night, and I got
most froze."

"Wouldn't Jim let you have any of the money he had won to pay
for a lodging?"

"No; I axed him for five cents, but he wouldn't let me have it."

"Can you get lodging for five cents?" asked Frank, in surprise.

"Yes," said Dick, "but not at the Fifth Avenue Hotel.  That's
it right out there."

CHAPTER VII

THE POCKET-BOOK

They had reached the junction of Broadway and of Fifth Avenue. 
Before them was a beautiful park of ten acres.  On the left-hand
side was a large marble building, presenting a fine appearance
with its extensive white front.  This was the building at which
Dick pointed.

"Is that the Fifth Avenue Hotel?" asked Frank.  "I've heard
of it often.  My Uncle William always stops there when he
comes to New York."

"I once slept on the outside of it," said Dick.  "They was
very reasonable in their charges, and told me I might come again."

"Perhaps sometime you'll be able to sleep inside," said Frank.

"I guess that'll be when Queen Victoria goes to the Five
Points to live."

"It looks like a palace," said Frank.  "The queen needn't be
ashamed to live in such a beautiful building as that."

Though Frank did not know it, one of the queen's palaces is
far from being as fine a looking building as the Fifth Avenue
Hotel.  St. James' Palace is a very ugly-looking brick
structure, and appears much more like a factory than like the
home of royalty.  There are few hotels in the world as
fine-looking as this democratic institution.

At that moment a gentleman passed them on the sidewalk, who
looked back at Dick, as if his face seemed familiar.

"I know that man," said Dick, after he had passed.  "He's one
of my customers."

"What is his name?"

"I don't know."

"He looked back as if he thought he knew you."

"He would have knowed me at once if it hadn't been for my new
clothes," said Dick.  "I don't look much like Ragged Dick now."

"I suppose your face looked familiar."

"All but the dirt," said Dick, laughing.  "I don't always
have the chance of washing my face and hands in the Astor House."

"You told me," said Frank, "that there was a place where you
could get lodging for five cents.  Where's that?"

"It's the News-boys' Lodgin' House, on Fulton Street," said
Dick, "up over the `Sun' office.  It's a good place.  I don't
know what us boys would do without it.  They give you supper
for six cents, and a bed for five cents more."

"I suppose some boys don't even have the five cents to pay,--
do they?"

"They'll trust the boys," said Dick.  "But I don't like to
get trusted.  I'd be ashamed to get trusted for five cents,
or ten either.  One night I was comin' down Chatham Street,
with fifty cents in my pocket.  I was goin' to get a good
oyster-stew, and then go to the lodgin' house; but somehow it
slipped through a hole in my trowses-pocket, and I hadn't a
cent left.  If it had been summer I shouldn't have cared, but
it's rather tough stayin' out winter nights."

Frank, who had always possessed a good home of his own, found
it hard to realize that the boy who was walking at his side
had actually walked the streets in the cold without a home,
or money to procure the common comfort of a bed.

"What did you do?" he asked, his voice full of sympathy.

"I went to the `Times' office.  I knowed one of the pressmen,
and he let me set down in a corner , where I was warm, and I
soon got fast asleep."

"Why don't you get a room somewhere, and so always have a
home to go to?"

"I dunno," said Dick.  "I never thought of it.  P'rhaps I may
hire a furnished house on Madison Square."

"That's where Flora McFlimsey lived."

"I don't know her," said Dick, who had never read the popular
poem of which she is the heroine.

While this conversation was going on, they had turned into
Twenty-fifth Street, and had by this time reached Third Avenue.

Just before entering it, their attention was drawn to the
rather singular conduct of an individual in front of them. 
Stopping suddenly, he appeared to pick up something from the
sidewalk, and then looked about him in rather a confused way.

"I know his game," whispered Dick.  "Come along and you'll
see what it is."

He hurried Frank forward until they overtook the man, who had
come to a stand-still.

"Have you found anything?" asked Dick.

"Yes," said the man, "I've found this."

He exhibited a wallet which seemed stuffed with bills, to
judge from its plethoric appearance.

"Whew!" exclaimed Dick; "you're in luck."

"I suppose somebody has lost it," said the man, "and will
offer a handsome reward."

"Which you'll get."

"Unfortunately I am obliged to take the next train to Boston. 
That's where I live.  I haven't time to hunt up the owner."

"Then I suppose you'll take the pocket-book with you," said
Dick, with assumed simplicity.

"I should like to leave it with some honest fellow who would
see it returned to the owner," said the man, glancing at the boys.

"I'm honest," said Dick.

"I've no doubt of it," said the other.  "Well, young man,
"I'll make you an offer.  You take the pocket-book--"

"All right.  Hand it over, then."

"Wait a minute.  There must be a large sum inside.  I shouldn't
wonder if there might be a thousand dollars.  The owner will
probably give you a hundred dollars reward."

"Why don't you stay and get it?" asked Frank.

"I would, only there is sickness in my family, and I must get
home as soon as possible.  Just give me twenty dollars, and
I'll hand you the pocket-book, and let you make whatever you
can out of it.  Come, that's a good offer.  What do you say?"

Dick was well dressed, so that the other did not regard it as
at all improbable that he might possess that sum.  He was
prepared, however, to let him have it for less, if necessary.

"Twenty dollars is a good deal of money," said Dick,
appearing to hesitate.

"You'll get it back, and a good deal more," said the
stranger, persuasively.

"I don't know but I shall.  What would you do, Frank?"

"I don't know but I would," said Frank, "if you've got the money." 
He was not a little surprised to think that Dick had so much by him.

"I don't know but I will," said Dick, after some irresolution. 
"I guess I won't lose much."

"You can't lose anything," said the stranger briskly.  "Only be
quick, for I must be on my way to the cars.  I am afraid I
shall miss them now."

Dick pulled out a bill from his pocket, and handed it to the
stranger, receiving the pocket-book in return.  At that
moment a policeman turned the corner, and the stranger,
hurriedly thrusting the bill into his pocket, without looking
at it, made off with rapid steps.

"What is there in the pocket-book, Dick?" asked Frank in some
excitement.  "I hope there's enough to pay you for the money
you gave him."

Dick laughed.

"I'll risk that," said he.

"But you gave him twenty dollars.  That's a good deal of money."

"If I had given him as much as that, I should deserve to be
cheated out of it."

"But you did,--didn't you?"

"He thought so."

"What was it, then?"

"It was nothing but a dry-goods circular got up to imitate a
bank-bill."

Frank looked sober.

"You ought not to have cheated him, Dick," he said, reproachfully.

"Didn't he want to cheat me?"

"I don't know."

"What do you s'pose there is in that pocket-book?" asked
Dick, holding it up.

Frank surveyed its ample proportions, and answered sincerely
enough, "Money, and a good deal of it."

"There ain't stamps enough in it to buy a oyster-stew" said
Dick.  "If you don't believe it, just look while I open it."

So saying he opened the pocket-book, and showed Frank that it
was stuffed out with pieces of blank paper, carefully folded
up in the shape of bills.  Frank, who was unused to city
life, and had never heard anything of the "drop-game" looked
amazed at this unexpected development.

"I knowed how it was all the time," said Dick.  "I guess I
got the best of him there.  This wallet's worth somethin'.  I
shall use it to keep my stiffkit's of Erie stock in, and all
my other papers what ain't of no use to anybody but the owner."

"That's the kind of papers it's got in it now," said Frank, smiling.

"That's so!" said Dick.

"By hokey!" he exclaimed suddenly, "if there ain't the old
chap comin' back ag'in.  He looks as if he'd heard bad news
from his sick family."

By this time the pocket-book dropper had come up.

Approaching the boys, he said in an undertone to Dick, "Give
me back that pocket-book, you young rascal!"

"Beg your pardon, mister," said Dick, "but was you addressin' me?"

"Yes, I was."

"'Cause you called me by the wrong name.  I've knowed some
rascals, but I ain't the honor to belong to the family."

He looked significantly at the other as he spoke, which
didn't improve the man's temper.  Accustomed to swindle
others, he did not fancy being practised upon in return.

"Give me back that pocket-book," he repeated in a threatening voice.

"Couldn't do it," said Dick, coolly.  "I'm go'n' to restore
it to the owner.  The contents is so valooable that most
likely the loss has made him sick, and he'll be likely to
come down liberal to the honest finder."

"You gave me a bogus bill," said the man.

"It's what I use myself," said Dick.

"You've swindled me."

"I thought it was the other way."

"None of your nonsense," said the man angrily.  "If you don't
give up that pocket-book, I'll call a policeman."

"I wish you would," said Dick.  "They'll know most likely
whether it's Stewart or Astor that's lost the pocket-book,
and I can get 'em to return it."

The "dropper," whose object it was to recover the pocket-
book, in order to try the same game on a more satisfactory
customer, was irritated by Dick's refusal, and above all by
the coolness he displayed.  He resolved to make one more attempt.

"Do you want to pass the night in the Tombs?" he asked.

"Thank you for your very obligin' proposal," said Dick; "but
it ain't convenient to-day.  Any other time, when you'd like
to have me come and stop with you, I'm agreeable; but my two
youngest children is down with the measles, and I expect I'll
have to set up all night to take care of 'em.  Is the Tombs,
in gineral, a pleasant place of residence?"

Dick asked this question with an air of so much earnestness
that Frank could scarcely forbear laughing, though it is
hardly necessary to say that the dropper was by no means so
inclined.

"You'll know sometime," he said, scowling.

"I'll make you a fair offer" said Dick.  "If I get more'n
fifty dollars as a reward for my honesty, I'll divide with you. 
But I say, ain't it most time to go back to your sick family
in Boston?"

Finding that nothing was to be made out of Dick, the man
strode away with a muttered curse.

"You were too smart for him, Dick," said Frank.

"Yes," said Dick, "I ain't knocked round the city streets all
my life for nothin'."

CHAPTER VIII

DICK'S EARLY HISTORY

"Have you always lived in New York, Dick?" asked Frank, after
a pause.

"Ever since I can remember."

"I wish you'd tell me a little about yourself.  Have you got
any father or mother?"

"I ain't got no mother.  She died when I wasn't but three
years old.  My father went to sea; but he went off before
mother died, and nothin' was ever heard of him.  I expect he
got wrecked, or died at sea."

"And what became of you when your mother died?"

"The folks she boarded with took care of me, but they was
poor, and they couldn't do much.  When I was seven the woman
died, and her husband went out West, and then I had to
scratch for myself."

"At seven years old!" exclaimed Frank, in amazement.

"Yes," said Dick, "I was a little feller to take care of
myself, but," he continued with pardonable pride, "I did it."

"What could you do?"

"Sometimes one thing, and sometimes another," said Dick. 
"I changed my business accordin' as I had to.  Sometimes I was
a newsboy, and diffused intelligence among the masses, as I
heard somebody say once in a big speech he made in the Park. 
Them was the times when Horace Greeley and James Gordon
Bennett made money."

"Through your enterprise?" suggested Frank.

"Yes," said Dick; "but I give it up after a while."

"What for?"

"Well, they didn't always put news enough in their papers,
and people wouldn't buy 'em as fast as I wanted 'em to.  So
one mornin' I was stuck on a lot of Heralds, and I thought
I'd make a sensation.  So I called out `GREAt NEWS!  QUEEN
VICTORIA ASSASSINATED!'  All my Heralds went off like hot
cakes, and I went off, too, but one of the gentlemen what got
sold remembered me, and said he'd have me took up, and that's
what made me change my business."

"That wasn't right, Dick," said Frank.

"I know it," said Dick; "but lots of boys does it."

"That don't make it any better."

"No," said Dick, "I was sort of ashamed at the time,
'specially about one poor old gentleman,--a Englishman he was. 
He couldn't help cryin' to think the queen was dead, and his
hands shook when he handed me the money for the paper."

"What did you do next?"

"I went into the match business," said Dick; "but it was
small sales and small profits.  Most of the people I called
on had just laid in a stock, and didn't want to buy.  So one
cold night, when I hadn't money enough to pay for a lodgin',
I burned the last of my matches to keep me from freezin'. 
But it cost too much to get warm that way, and I couldn't
keep it up."

"You've seen hard times, Dick," said Frank, compassionately.

"Yes," said Dick, "I've knowed what it was to be hungry and
cold, with nothin' to eat or to warm me; but there's one
thing I never could do," he added, proudly.

"What's that?"

"I never stole," said Dick.  "It's mean and I wouldn't do it."

"Were you ever tempted to?"

"Lots of times.  Once I had been goin' round all day, and
hadn't sold any matches, except three cents' worth early in
the mornin'.  With that I bought an apple, thinkin' I should
get some more bimeby.  When evenin' come I was awful hungry. 
I went into a baker's just to look at the bread.  It made me
feel kind o' good just to look at the bread and cakes, and I
thought maybe they would give me some.  I asked 'em wouldn't
they give me a loaf, and take their pay in matches.  But they
said they'd got enough matches to last three months; so there
wasn't any chance for a trade.  While I was standin' at the
stove warmin' me, the baker went into a back room, and I felt
so hungry I thought I would take just one loaf, and go off
with it.  There was such a big pile I don't think he'd have
known it."

"But you didn't do it?"

"No, I didn't and I was glad of it, for when the man came in
ag'in, he said he wanted some one to carry some cake to a
lady in St. Mark's Place.  His boy was sick, and he hadn't no
one to send; so he told me he'd give me ten cents if I would go. 
My business wasn't very pressin' just then, so I went,
and when I come back, I took my pay in bread and cakes. 
Didn't they taste good, though?"

"So you didn't stay long in the match business, Dick?"

"No, I couldn't sell enough to make it pay.  Then there was
some folks that wanted me to sell cheaper to them; so I
couldn't make any profit.  There was one old lady--she was
rich, too, for she lived in a big brick house--beat me down
so, that I didn't make no profit at all; but she wouldn't buy
without, and I hadn't sold none that day; so I let her have
them.  I don't see why rich folks should be so hard upon a
poor boy that wants to make a livin'."

"There's a good deal of meanness in the world, I'm afraid, Dick."

"If everybody was like you and your uncle," said Dick, "there
would be some chance for poor people.  If I was rich I'd try
to help 'em along."

"Perhaps you will be rich sometime, Dick."

Dick shook his head.

"I'm afraid all my wallets will be like this," said Dick,
indicating the one he had received from the dropper, "and
will be full of papers what ain't of no use to anybody except
the owner."

"That depends very much on yourself, Dick," said Frank. 
"Stewart wasn't always rich, you know."

"Wasn't he?"

"When he first came to New York as a young man he was a
teacher, and teachers are not generally very rich.  At last
he went into business, starting in a small way, and worked
his way up by degrees.  But there was one thing he determined
in the beginning: that he would be strictly honorable in all
his dealings, and never overreach any one for the sake of
making money.  If there was a chance for him, Dick, there is
a chance for you."

"He knowed enough to be a teacher, and I'm awful ignorant,"
said Dick.

"But you needn't stay so."

"How can I help it?"

"Can't you learn at school?"

"I can't go to school 'cause I've got my livin' to earn. 
It wouldn't do me much good if I learned to read and write,
and just as I'd got learned I starved to death."

"But are there no night-schools?"

"Yes."

"Why don't you go?  I suppose you don't work in the evenings."

"I never cared much about it," said Dick, "and that's the truth. 
But since I've got to talkin' with you, I think more about it. 
I guess I'll begin to go."

"I wish you would, Dick.  You'll make a smart man if you only
get a little education."

"Do you think so?" asked Dick, doubtfully.

"I know so.  A boy who has earned his own living since he was
seven years old must have something in him.  I feel very much
interested in you, Dick.  You've had a hard time of it so far
in life, but I think better times are in store.  I want you
to do well, and I feel sure you can if you only try."

"You're a good fellow," said Dick, gratefully.  "I'm afraid I'm
a pretty rough customer, but I ain't as bad as some.  I mean
to turn over a new leaf, and try to grow up 'spectable."

"There've been a great many boys begin as low down as you,
Dick, that have grown up respectable and honored.  But they
had to work pretty hard for it."

"I'm willin' to work hard," said Dick.

"And you must not only work hard, but work in the right way."

"What's the right way?"

"You began in the right way when you determined never to
steal, or do anything mean or dishonorable, however strongly
tempted to do so.  That will make people have confidence in
you when they come to know you.  But, in order to succeed
well, you must manage to get as good an education as you can. 
Until you do, you cannot get a position in an office or
counting-room, even to run errands."

"That's so," said Dick, soberly.  "I never thought how awful
ignorant I was till now."

"That can be remedied with perseverance," said Frank. 
"A year will do a great deal for you."

"I'll go to work and see what I can do," said Dick, energetically.

CHAPTER IX

A SCENE IN A THlRD AVENUE CAR

The boys had turned into Third Avenue, a long street, which,
commencing just below tbe Cooper Institute, runs out to Harlem. 
A man came out of a side street, uttering at intervals a
monotonous cry which sounded like "glass puddin'."

"Glass pudding!" repeated Frank, looking in surprised wonder
at Dick.  "What does he mean?"

"Perhaps you'd like some," said Dick.

"I never heard of it before."

"Suppose you ask him what he charges for his puddin'."

Frank looked more narrowly at the man, and soon concluded
that he was a glazier.

"Oh, I understand," he said.  "He means `glass put in.'"

Frank's mistake was not a singular one.  The monotonous cry
of these men certainly sounds more like "glass puddin'," than
the words they intend to utter.

"Now," said Dick, "where shall we go?"

"I should like to see Central Park," said Frank.  "Is it far off?"

"It is about a mile and a half from here," said Dick.  "This
is Twenty-ninth Street, and the Park begins at Fifty-ninth Street."

It may be explained, for the benefit of readers who have
never visited New York, that about a mile from the City Hall
the cross-streets begin to be numbered in regular order. 
There is a continuous line of houses as far as One Hundred
and Thirtieth Street, where may be found the terminus of the
Harlem line of horse-cars.  When the entire island is laid
out and settled, probably the numbers will reach two hundred
or more.  Central Park, which lies between Fifty-ninth Street
on the south, and One Hundred and Tenth Street on the north,
is true to its name, occupying about the centre of the island. 
The distance between two parallel streets is called a block,
and twenty blocks make a mile.  It will therefore be seen that
Dick was exactly right, when he said they were a mile and a
half from Central Park.

"That is too far to walk," said Frank.

"'Twon't cost but six cents to ride," said Dick.

"You mean in the horse-cars?"

"Yes."

"All right then.  We'll jump aboard the next car."

The Third Avenue and Harlem line of horse-cars is better
patronized than any other in New York, though not much can be
said for the cars, which are usually dirty and overcrowded. 
Still, when it is considered that only seven cents are
charged for the entire distance to Harlem, about seven miles
from the City Hall, the fare can hardly be complained of. 
But of course most of the profit is made from the
way-passengers who only ride a short distance.

A car was at that moment approaching, but it seemed pretty crowded.

"Shall we take that, or wait for another?" asked Frank.

"The next'll most likely be as bad," said Dick.

The boys accordingly signalled to the conductor to stop, and
got on the front platform.  They were obliged to stand up
till the car reached Fortieth Street, when so many of the
passengers had got off that they obtained seats.

Frank sat down beside a middle-aged woman, or lady, as she
probably called herself, whose sharp visage and thin lips did
not seem to promise a very pleasant disposition.  When the
two gentlemen who sat beside her arose, she spread her skirts
in the endeavor to fill two seats.  Disregarding this, the
boys sat down.

"There ain 't room for two," she said, looking sourly at Frank.

"There were two here before."

"Well, there ought not to have been.  Some people like to
crowd in where they're not wanted."

"And some like to take up a double allowance of room,"
thought Frank; but he did not say so.  He saw that the woman
had a bad temper, and thought it wisest to say nothing.

Frank had never ridden up the city as far as this, and it was
with much interest that he looked out of the car windows at
the stores on either side.  Third Avenue is a broad street,
but in the character of its houses and stores it is quite
inferior to Broadway, though better than some of the avenues
further east.  Fifth Avenue, as most of my readers already
know, is the finest street in the city, being lined with
splendid private residences, occupied by the wealthier
classes.  Many of the cross streets also boast houses which
may be considered palaces, so elegant are they externally and
internally.  Frank caught glimpses of some of these as he was
carried towards the Park.

After the first conversation, already mentioned, with the
lady at his side, he supposed he should have nothing further
to do with her.  But in this he was mistaken.  While he was
busy looking out of the car window, she plunged her hand
into her pocket in search of her purse, which she was unable
to find.  Instantly she jumped to the conclusion that it had
been stolen, and her suspicions fastened upon Frank, with
whom she was already provoked for "crowding her," as she
termed it.

"Conductor!" she exclaimed in a sharp voice.

"What's wanted, ma'am?" returned that functionary.

"I want you to come here right off."

"What's the matter?"

"My purse has been stolen.  There was four dollars and eighty
cents in it.  I know, because I counted it when I paid my fare."

"Who stole it?"

"That boy," she said pointing to Frank, who listened to the
charge in the most intense astonishment.  "He crowded in here
on purpose to rob me, and I want you to search him right off."

"That's a lie!" exclaimed Dick, indignantly.

"Oh, you're in league with him, I dare say," said the woman
spitefully.  "You're as bad as he is, I'll be bound."

"You're a nice female, you be!" said Dick, ironically.

"Don't you dare to call me a female, sir," said the lady, furiously.

"Why, you ain't a man in disguise, be you?" said Dick.

"You are very much mistaken, madam," said Frank, quietly. 
"The conductor may search me, if you desire it."

A charge of theft, made in a crowded car, of course made
quite a sensation.  Cautious passengers instinctively put
their hands on their pockets, to make sure that they, too,
had not been robbed.  As for Frank, his face flushed, and he
felt very indignant that he should even be suspected of so
mean a crime.  He had been carefully brought up, and been
taught to regard stealing as low and wicked.

Dick, on the contrary, thought it a capital joke that such a
charge should have been made against his companion.  Though
he had brought himself up, and known plenty of boys and men,
too, who would steal, he had never done so himself.  He
thought it mean.  But he could not be expected to regard it
as Frank did.  He had been too familiar with it in others to
look upon it with horror.

Meanwhile the passengers rather sided with the boys. 
Appearances go a great ways, and Frank did not look
like a thief.

"I think you must be mistaken, madam," said a gentleman
sitting opposite.  "The lad does not look as if he would steal."

"You can't tell by looks," said the lady, sourly.  "They're
deceitful; villains are generally well dressed."

"Be they?" said Dick.  "You'd ought to see me with my
Washington coat on.  You'd think I was the biggest villain
ever you saw."

"I've no doubt you are," said the lady, scowling in the
direction of our hero.

"Thank you, ma'am," said Dick.  "'Tisn't often I get such
fine compliments."

"None of your impudence," said the lady, wrathfully. 
"I believe you're the worst of the two."

Meanwhile the car had been stopped.

"How long are we going to stop here?" demanded a passenger,
impatiently.  "I'm in a hurry, if none of the rest of you are."

"I want my pocket-book," said the lady, defiantly.

"Well, ma'am, I haven't got it, and I don't see as it's doing
you any good detaining us all here."

"Conductor, will you call a policeman to search that young
scamp?" continued the aggrieved lady.  "You don't expect I'm
going to lose my money, and do nothing about it."

"I'll turn my pockets inside out if you want me to," said
Frank, proudly.  "There's no need of a policeman.  The
conductor, or any one else, may search me."

"Well, youngster," said the conductor, "if the lady agrees,
I'll search you."

The lady signified her assent.

Frank accordingly turned his pockets inside out, but nothing
was revealed except his own porte-monnaie and a penknife.

"Well, ma'am, are you satisfied?" asked the conductor.

"No, I ain't," said she, decidedly.

"You don't think he's got it still?"

"No, but he's passed it over to his confederate, that boy
there that's so full of impudence."

"That's me," said Dick, comically.

"He confesses it," said the lady; "I want him searched."

"All right," said Dick, "I'm ready for the operation, only,
as I've got valooable property about me, be careful not to
drop any of my Erie Bonds."

The conductor's hand forthwith dove into Dick's pocket, and
drew out a rusty jack-knife, a battered cent, about fifty
cents in change, and the capacious pocket-book which he had
received from the swindler who was anxious to get back to his
sick family in Boston.

"Is that yours, ma'am?" asked the conductor, holding up the
wallet which excited some amazement, by its size, among the
other passengers.

"It seems to me you carry a large pocket-book for a young man
of your age," said the conductor.

"That's what I carry my cash and valooable papers in," said Dick.

"I suppose that isn't yours, ma'am," said the conductor,
turning to the lady.

"No," said she, scornfully.  "I wouldn't carry round such a
great wallet as that.  Most likely he's stolen it from
somebody else."

"What a prime detective you'd be!" said Dick.  "P'rhaps you
know who I took it from."

"I don't know but my money's in it," said the lady , sharply. 
"Conductor, will you open that wallet, and see what there is
in it?"

"Don't disturb the valooable papers," said Dick, in a tone of
pretended anxiety.

The contents of the wallet excited some amusement among the
passengers.

"There don't seem to be much money here," said the conductor,
taking out a roll of tissue paper cut out in the shape of
bills, and rolled up.

"No," said Dick.  "Didn't I tell you them were papers of no
valoo to anybody but the owner?  If the lady'd like to borrow,
I won't charge no interest."

"Where is my money, then?" said the lady, in some discomfiture. 
"I shouldn't wonder if one of the young scamps had thrown it out
of the window."

"You'd better search your pocket once more," said the
gentleman opposite.  "I don't believe either of the boys is
in fault.  They don't look to me as if they would steal."

"Thank you, sir" said Frank.

The lady followed out the suggestion, and, plunging her hand
once more into her pocket, drew out a small porte-monnaie. 
She hardly knew whether to be glad or sorry at this discovery. 
It placed her in rather an awkward position after
the fuss she had made, and the detention to which she had
subjected the passengers, now, as it proved, for nothing.

"Is that the pocket-book you thought stolen?" asked the conductor.

"Yes," said she, rather confusedly.

"Then you've been keeping me waiting all this time for
nothing," he said, sharply.  "I wish you'd take care to be
sure next time before you make such a disturbance for nothing. 
I've lost five minutes, and shall not be on time."

"I can't help it," was the cross reply; "I didn't know it
was in my pocket."

"It seems to me you owe an apology to the boys you accused of
a theft which they have not committed," said the gentleman
opposite.

"I shan't apologize to anybody," said the lady, whose temper
was not of the best; "least of all to such whipper-snappers
as they are."

"Thank you, ma'am," said Dick, comically; "your handsome
apology is accepted.  It ain't of no consequence, only I
didn't like to expose the contents of my valooable
pocket-book, for fear it might excite the envy of some of my
poor neighbors."

"You're a character," said the gentleman who had already
spoken, with a smile.

"A bad character!" muttered the lady.

But it was quite evident that the sympathies of those present
were against the lady, and on the side of the boys who had
been falsely accused, while Dick's drollery had created
considerable amusement.

The cars had now reached Fifty-ninth Street, the southern
boundary of the Park, and here our hero and his companion got off.

"You'd better look out for pickpockets, my lad," said the
conductor, pleasantly.  "That big wallet of yours might prove
a great temptation."

"That's so," said Dick.  "That's the misfortin' of being
rich.  Astor and me don't sleep much for fear of burglars
breakin' in and robbin' us of our valooable treasures. 
Sometimes I think I'll give all my money to an Orphan Asylum,
and take it out in board.  I guess I'd make money by the
operation."

While Dick was speaking, the car rolled away, and the boys
turned up Fifty-ninth Street, for two long blocks yet
separated them from the Park.

CHAPTER X

INTRODUCES A VICTIM OF MISPLACED CONFIDENCE

"What a queer chap you are, Dick!" said Frank, laughing. 
"You always seem to be in good spirits."

"No, I ain't always.  Sometimes I have the blues."

"When?"

"Well, once last winter it was awful cold, and there was big
holes in my shoes, and my gloves and all my warm clothes was
at the tailor's.  I felt as if life was sort of tough, and
I'd like it if some rich man would adopt me, and give me
plenty to eat and drink and wear, without my havin' to look
so sharp after it.  Then agin' when I've seen boys with good
homes, and fathers, and mothers, I've thought I'd like to
have somebody to care for me."

Dick's tone changed as he said this, from his usual levity,
and there was a touch of sadness in it.  Frank, blessed with
a good home and indulgent parents, could not help pitying the
friendless boy who had found life such up-hill work.

"Don't say you have no one to care for you, Dick," he said,
lightly laying his hand on Dick's shoulder.  "I will care for you."

"Will you?"

"If you will let me."

"I wish you would," said Dick, earnestly.  "I'd like to feel
that I have one friend who cares for me."

Central Park was now before them, but it was far from
presenting the appearance which it now exhibits.  It had not
been long since work had been commenced upon it, and it was
still very rough and unfinished.  A rough tract of land, two
miles and a half from north to south, and a half a mile
broad, very rocky in parts, was the material from which the
Park Commissioners have made the present beautiful enclosure. 
There were no houses of good appearance near it, buildings
being limited mainly to rude temporary huts used by the
workmen who were employed in improving it.  The time will
undoubtedly come when the Park will be surrounded by elegant
residences, and compare favorably in this respect with the
most attractive parts of any city in the world.  But at the
time when Frank and Dick visited it, not much could be said
in favor either of the Park or its neighborhood.

"If this is Central Park," said Frank, who naturally felt
disappointed, "I don't think much of it.  My father's got a
large pasture that is much nicer."

"It'll look better some time," said Dick.  "There ain't much
to see now but rocks.  We will take a walk over it if you
want to."

"No," said Frank, "I've seen as much of it as I want to. 
Besides, I feel tired."

"Then we'll go back.  We can take the Sixth Avenue cars. 
They will bring us out at Vesey Street just beside the Astor House."

"All right," said Frank.  "That will be the best course.  I
hope," he added, laughing, "our agreeable lady friend won't
be there.  I don't care about being accused of _stealing_ again."

"She was a tough one," said Dick.  "Wouldn't she make a nice
wife for a man that likes to live in hot water, and didn't
mind bein' scalded two or three times a day?"

"Yes, I think she'd just suit him.  Is that the right car, Dick?"

"Yes, jump in, and I'll follow."

The Sixth Avenue is lined with stores, many of them of very
good appearance, and would make a very respectable principal
street for a good-sized city.  But it is only one of several
long business streets which run up the island, and illustrate
the extent and importance of the city to which they belong.

No incidents worth mentioning took place during their ride
down town.  In about three-quarters of an hour the boys got
out of the car beside the Astor House.

"Are you goin' in now, Frank?" asked Dick.

"That depends upon whether you have anything else to show me."

"Wouldn't you like to go to Wall Street?"

"That's the street where there are so many bankers and
brokers,--isn't it?"

"Yes, I s'pose you ain't afraid of bulls and bears,--are you?"

"Bulls and bears?" repeated Frank, puzzled.

"Yes."

"What are they?"

"The bulls is what tries to make the stocks go up, and the
bears is what try to growl 'em down."

"Oh, I see.  Yes, I'd like to go."

Accordingly they walked down on the west side of Broadway as
far as Trinity Church, and then, crossing, entered a street
not very wide or very long, but of very great importance. 
The reader would be astonished if he could know the amount of
money involved in the transactions which take place in a
single day in this street.  It would be found that although
Broadway is much seater in length, and lined with stores, it
stands second to Wall Street in this respect.

"What is that large marble building?" asked Frank, pointing
to a massive structure on the corner of Wall and Nassau
Streets.  It was in the form of a parallelogram, two hundred
feet long by ninety wide, and about eighty feet in height,
the ascent to the entrance being by eighteen granite steps.

"That's the Custom House," said Dick.

"It looks like pictures I've seen of the Parthenon at
Athens," said Frank, meditatively.

"Where's Athens?" asked Dick.  "It ain't in York State,--is it?"

"Not the Athens I mean, at any rate.  It is in Greece, and
was a famous city two thousand years ago."

"That's longer than I can remember," said Dick.  "I can't
remember distinctly more'n about a thousand years."

"What a chap you are, Dick!  Do you know if we can go in?"

The boys ascertained, after a little inquiry, that they would
be allowed to do so.  They accordingly entered the Custom
House and made their way up to the roof, from which they had
a fine view of the harbor, the wharves crowded with shipping,
and the neighboring shores of Long Island and New Jersey. 
Towards the north they looked down for many miles upon
continuous lines of streets, and thousands of roofs, with
here and there a church-spire rising above its neighbors. 
Dick had never before been up there, and he, as well as
Frank, was interested in the grand view spread before them.

At length they descended, and were going down the granite
steps on the outside of the building, when they were
addressed by a young man, whose appearance is worth
describing.

He was tall, and rather loosely put together, with small eyes
and rather a prominent nose.  His clothing had evidently not
been furnished by a city tailor.  He wore a blue coat with
brass buttons, and pantaloons of rather scanty dimensions,
which were several inches too short to cover his lower limbs. 
He held in his hand a piece of paper, and his countenance
wore a look of mingled bewilderment and anxiety.

"Be they a-payin' out money inside there?" he asked,
indicating the interior by a motion of his hand.

"I guess so," said Dick.  "Are you a-goin' in for some?"

"Wal, yes.  I've got an order here for sixty dollars,--made a
kind of speculation this morning."

"How was it?" asked Frank.

"Wal, you see I brought down some money to put in the bank,
fifty dollars it was, and I hadn't justly made up my mind
what bank to put it into, when a chap came up in a terrible
hurry, and said it was very unfortunate, but the bank wasn't
open, and he must have some money right off.  He was obliged
to go out of the city by the next train.  I asked him how
much he wanted.  He said fifty dollars.  I told him I'd got
that, and he offered me a check on the bank for sixty, and I
let him have it.  I thought that was a pretty easy way to
earn ten dollars, so I counted out the money and he went off. 
He told me I'd hear a bell ring when they began to pay out
money.  But I've waited most two hours, and I hain't heard it
yet.  I'd ought to be goin', for I told dad I'd be home to-night. 
Do you think I can get the money now?"

"Will you show me the check?" asked Frank, who had listened
attentively to the countryman's story, and suspected that he
had been made the victim of a swindler.  It was made out upon
the "Washington Bank," in the sum of sixty dollars, and was
signed "Ephraim Smith."

"Washington Bank!" repeated Frank.  "Dick, is there such a
bank in the city?"

"Not as I knows on," said Dick.  "Leastways I don't own any
shares in it."

"Ain't this the Washington Bank?" asked the countryman,
pointing to the building on the steps of which the three were
now standing.

"No, it's the Custom House."

"And won't they give me any money for this?" asked the young
man, the perspiration standing on his brow.

"I am afraid the man who gave it to you was a swindler," said
Frank, gently.

"And won't I ever see my fifty dollars again?" asked the
youth in agony.

"I am afraid not."

"What'll dad say?" ejaculated the miserable youth.  "It makes
me feel sick to think of it.  I wish I had the feller here. 
I'd shake him out of his boots."

"What did he look like?  I'll call a policeman and you shall
describe him.  Perhaps in that way you can get track of your
money."

Dick called a policeman, who listened to the description, and
recognized the operator as an experienced swindler.  He
assured the countryman that there was very little chance of
his ever seeing his money again.  The boys left the miserable
youth loudly bewailing his bad luck, and proceeded on their
way down the street.

"He's a baby," said Dick, contemptuously.  "He'd ought to know
how to take care of himself and his money.  A feller has to
look sharp in this city, or he'll lose his eye-teeth before
he knows it."

"I suppose you never got swindled out of fifty dollars, Dick?"

"No, I don't carry no such small bills.  I wish I did," he added

"So do I, Dick.  What's that building there at the end of the street?"

"That's the Wall-Street Ferry to Brooklyn."

"How long does it take to go across?"

"Not more'n five minutes."

"Suppose we just ride over and back."

"All right!" said Dick.  "It's rather expensive; but if you
don't mind, I don't."

"Why, how much does it cost?"

"Two cents apiece."

"I guess I can stand that.  Let us go."

They passed the gate, paying the fare to a man who stood at
the entrance, and were soon on the ferry-boat, bound for
Brooklyn.

They had scarcely entered the boat, when Dick, grasping Frank
by the arm, pointed to a man just outside of the gentlemen's cabin.

"Do you see that man, Frank?" he inquired.

"Yes, what of him?"

"He's the man that cheated the country chap out of his fifty dollars."

CHAPTER XI

DICK AS A DETECTlVE

DICK'S ready identification of the rogue who had cheated the
countryman, surprised Frank.

"What makes you think it is he?" he asked.

"Because I've seen him before, and I know he's up to them
kind of tricks.  When I heard how he looked, I was sure I
knowed him."

"Our recognizing him won't be of much use," said Frank. 
"It won't give back the countryman his money."

"I don't know," said Dick, thoughtfully.  "May be I can get it."

"How?" asked Frank, incredulously.

"Wait a minute, and you'll see."

Dick left his companion, and went up to the man whom he suspected.

"Ephraim Smith," said Dick, in a low voice.

The man turned suddenly, and looked at Dick uneasily.

"What did you say?" he asked.

"I believe your name is Ephraim Smith," continued Dick.

"You're mistaken," said the man, and was about to move off.

"Stop a minute," said Dick.  "Don't you keep your money in
the Washington Bank?"

"I don't know any such bank.  I'm in a hurry, young man, and
I can't stop to answer any foolish questions."

The boat had by this time reached the Brooklyn pier, and Mr.
Ephraim Smith seemed in a hurry to land.

"Look here," said Dick, significantly; "you'd better not go
on shore unless you want to jump into the arms of a policeman."

"What do you mean?" asked the man, startled.

"That little affair of yours is known to the police," said
Dick; "about how you got fifty dollars out of a greenhorn on
a false check, and it mayn't be safe for you to go ashore."

"I don't know what you're talking about," said the swindler
with affected boldness, though Dick could see that he was ill
at ease.

"Yes you do," said Dick.  "There isn't but one thing to do. 
Just give me back that money, and I'll see that you're not
touched.  If you don't, I'll give you up to the first
p'liceman we meet."

Dick looked so determined, and spoke so confidently, that the
other, overcome by his fears, no longer hesitated, but passed
a roll of bills to Dick and hastily left the boat.

All this Frank witnessed with great amazement, not
understanding what influence Dick could have obtained over
the swindler sufficient to compel restitution.

"How did you do it?" he asked eagerly .

"I told him I'd exert my influence with the president to have
him tried by _habease corpus_," said Dick.

"And of course that frightened him.  But tell me, without
joking, how you managed."

Dick gave a truthful account of what occurred, and then said,
"Now we'll go back and carry the money."

"Suppose we don't find the poor countryman?"

"Then the p'lice will take care of it."

They remained on board the boat, and in five minutes were
again in New York.  Going up Wall Street, they met the
countryman a little distance from the Custom House.  His face
was marked with the traces of deep anguish; but in his case
even grief could not subdue the cravings of appetite.  He had
purchased some cakes of one of the old women who spread out
for the benefit of passers-by an array of apples and seed-
cakes, and was munching them with melancholy satisfaction.

"Hilloa!" said Dick.  "Have you found your money?"

"No," ejaculated the young man, with a convulsive gasp.  "I
sha'n't ever see it again.  The mean skunk's cheated me out
of it.  Consarn his picter!  It took me most six months to
save it up.  I was workin' for Deacon Pinkham in our place. 
Oh, I wish I'd never come to New York!  The deacon, he told
me he'd keep it for me; but I wanted to put it in the bank,
and now it's all gone, boo hoo!"

And the miserable youth, having despatched his cakes, was so
overcome by the thought of his loss that he burst into tears.

"I say," said Dick, "dry up, and see what I've got here."

The youth no sooner saw the roll of bills, and comprehended
that it was indeed his lost treasure, than from the depths of
anguish he was exalted to the most ecstatic joy.  He seized
Dick's hand, and shook it with so much energy that our hero
began to feel rather alarmed for its safety.

"'Pears to me you take my arm for a pump-handle," said he. 
"Couldn't you show your gratitood some other way?  It's just
possible I may want to use my arm ag'in some time."

The young man desisted, but invited Dick most cordially to
come up and stop a week with him at his country home,
assuring him that he wouldn't charge him anything for board.

"All right!" said Dick.  "If you don't mind I'll bring my wife
along, too.  She's delicate, and the country air might do her good."

Jonathan stared at him in amazement, uncertain whether to
credit the fact of his marriage.  Dick walked on with Frank,
leaving him in an apparent state of stupefaction, and it is
possible that he has not yet settled the affair to his
satisfaction.

"Now," said Frank, "I think I'll go back to the Astor House. 
Uncle has probably got through his business and returned."

"All right," said Dick.

The two boys walked up to Broadway, just where the tall
steeple of Trinity faces the street of bankers and brokers,
and walked leisurely to the hotel.  When they arrived at the
Astor House, Dick said, "Good-by, Frank."

"Not yet," said Frank; "I want you to come in with me."

Dick followed his young patron up the steps.  Frank went to
the reading-room, where, as he had thought probable, he found
his uncle already arrived, and reading a copy of "The Evening
Post," which he had just purchased outside.

"Well, boys," he said, looking up, "have you had a pleasant
jaunt?"

"Yes, sir," said Frank.  "Dick's a capital guide."

"So this is Dick," said Mr. Whitney, surveying him with a
smile.  "Upon my word, I should hardly have known him. 
I must congratulate him on his improved appearance."

"Frank's been very kind to me," said Dick, who, rough street-
boy as he was, had a heart easily touched by kindness, of
which he had never experienced much.  "He's a tip-top fellow."

"I believe he is a good boy," said Mr. Whitney.  "I hope, my
lad, you will prosper and rise in the world.  You know in
this free country poverty in early life is no bar to a man's
advancement.  I haven't risen very high myself," he added,
with a smile, "but have met with moderate success in life;
yet there was a time when I was as poor as you."

"Were you, sir," asked Dick, eagerly.

"Yes, my boy, I have known the time I have been obliged to go
without my dinner because I didn't have enough money to pay
for it."

"How did you get up in the world," asked Dick, anxiously.

"I entered a printing-office as an apprentice, and worked for
some years.  Then my eyes gave out and I was obliged to give
that up.  Not knowing what else to do, I went into the
country, and worked on a farm.  After a while I was lucky
enough to invent a machine, which has brought me in a great
deal of money.  But there was one thing I got while I was in
the printing-office which I value more than money."

"What was that, sir?"

"A taste for reading and study.  During my leisure hours I
improved myself by study, and acquired a large part of the
knowledge which I now possess.  Indeed, it was one of my
books that first put me on the track of the invention, which
I afterwards made.  So you see, my lad, that my studious
habits paid me in money, as well as in another way."

"I'm awful ignorant," said Dick, soberly.

"But you are young, and, I judge, a smart boy.  If you try to
learn, you can, and if you ever expect to do anything in the
world, you must know something of books."

"I will," said Dick, resolutely.  "I ain't always goin' to
black boots for a livin'."

"All labor is respectable, my lad, and you have no cause to
be ashamed of any honest business; yet when you can get
something to do that promises better for your future
prospects, I advise you to do so.  Till then earn your living
in the way you are accustomed to, avoid extravagance, and
save up a little money if you can."

"Thank you for your advice," said our hero.  "There aint many
that takes an interest in Ragged Dick."

"So that's your name," said Mr. Whitney.  "If I judge you
rightly, it won't be long before you change it.  Save your
money, my lad, buy books, and determine to be somebody, and
you may yet fill an honorable position."

"I'll try," said Dick.  "Good-night, sir."

"Wait a minute, Dick," said Frank.  "Your blacking-box and
old clothes are upstairs.  You may want them."

"In course," said Dick.  "I couldn't get along without my
best clothes, and my stock in trade."

"You may go up to the room with him, Frank," said Mr. Whitney. 
"The clerk will give you the key.  I want to see you, Dick,
before you go."

"Yes, sir," said Dick.

"Where are you going to sleep to-night, Dick?" asked Frank,
as they went upstairs together.

"P'r'aps at the Fifth Avenue Hotel--on the outside," said Dick.

"Haven't you any place to sleep, then?"

"I slept in a box, last night."

"In a box?"

"Yes, on Spruce Street."

"Poor fellow!" said Frank, compassionately.

"Oh, 'twas a bully bed--full of straw!  I slept like a top."

"Don't you earn enough to pay for a room, Dick?"

"Yes," said Dick; "only I spend my money foolish, goin' to
the Old Bowery, and Tony Pastor's, and sometimes gamblin' in
Baxter Street."

"You won't gamble any more,--will you, Dick?" said Frank,
laying his hand persuasively on his companion's shoulder.

"No, I won't," said Dick.

"You'll promise?"

"Yes, and I'll keep it.  You're a good feller.  I wish you
was goin' to be in New York."

"I am going to a boarding-school in Connecticut.  The name of
the town is Barnton.  Will you write to me, Dick?"

"My writing would look like hens' tracks," said our hero.

"Never mind.  I want you to write.  When you write you can
tell me how to direct, and I will send you a letter."

"I wish you would," said Dick.  "I wish I was more like you."

"I hope you will make a much better boy, Dick.  Now we'll go
in to my uncle.  He wishes to see you before you go."

They went into the reading-room.  Dick had wrapped up his
blacking-brush in a newspaper with which Frank had supplied
him, feeling that a guest of the Astor House should hardly be
seen coming out of the hotel displaying such a professional sign.

"Uncle, Dick's ready to go," said Frank.

"Good-by, my lad," said Mr. Whitney.  "I hope to hear good
accounts of you sometime.  Don't forget what I have told you. 
Remember that your future position depends mainly upon
yourself, and that it will be high or low as you choose to
make it."

He held out his hand, in which was a five-dollar bill.  Dick
shrunk back.

"I don't like to take it," he said.  "I haven't earned it."

"Perhaps not," said Mr. Whitney; "but I give it to you
because I remember my own friendless youth.  I hope it may be
of service to you.  Sometime when you are a prosperous man,
you can repay it in the form of aid to some poor boy, who is
struggling upward as you are now."

"I will, sir," said Dick, manfully.

He no longer refused the money, but took it gratefully, and,
bidding Frank and his uncle good-by, went out into the street. 
A feeling of loneliness came over him as he left the presence
of Frank, for whom he had formed a strong attachment in the
few hours he had known him.

CHAPTER XII

DICK HIRES A ROOM ON MOTT STREET

Going out into the fresh air Dick felt the pangs of hunger. 
He accordingly went to a restaurant and got a substantial
supper.  Perhaps it was the new clothes he wore, which made
him feel a little more aristocratic.  At all events, instead
of patronizing the cheap restaurant where he usually procured
his meals, he went into the refectory attached to Lovejoy's
Hotel, where the prices were higher and the company more select. 
In his ordinary dress, Dick would have been excluded, but now
he had the appearance of a very respectable, gentlemanly boy,
whose presence would not discredit any establishment. 
His orders were therefore received with attention by the
waiter and in due time a good supper was placed before him.

"I wish I could come here every day," thought Dick.  "It
seems kind o' nice and 'spectable, side of the other place. 
There's a gent at that other table that I've shined boots for
more'n once.  He don't know me in my new clothes.  Guess he
don't know his boot-black patronizes the same establishment."

His supper over, Dick went up to the desk, and, presenting
his check, tendered in payment his five-dollar bill, as if it
were one of a large number which he possessed.  Receiving back
his change he went out into the street.

Two questions now arose:  How should he spend the evening, and
where should he pass the night?  Yesterday, with such a sum
of money in his possession, he would have answered both
questions readily.  For the evening, he would have passed it
at the Old Bowery, and gone to sleep in any out-of-the-way
place that offered.  But he had turned over a new leaf, or
resolved to do so.  He meant to save his money for some
useful purpose,--to aid his advancement in the world.  So he
could not afford the theatre.  Besides, with his new clothes,
he was unwilling to pass the night out of doors.

"I should spile 'em," he thought, "and that wouldn't pay."

So he determined to hunt up a room which he could occupy
regularly, and consider as his own, where he could sleep
nights, instead of depending on boxes and old wagons for a
chance shelter.  This would be the first step towards
respectability, and Dick determined to take it.

He accordingly passed through the City Hall Park, and walked
leisurely up Centre Street.

He decided that it would hardly be advisable for him to seek
lodgings in Fifth Avenue, although his present cash capital
consisted of nearly five dollars in money, besides the
valuable papers contained in his wallet.  Besides, he had
reason to doubt whether any in his line of business lived on
that aristocratic street.  He took his way to Mott Street,
which is considerably less pretentious, and halted in front
of a shabby brick lodging-house kept by a Mrs. Mooney, with
whose son Tom, Dick was acquainted.

Dick rang the bell, which sent back a shrill metallic response.

The door was opened by a slatternly servant, who looked at
him inquiringly, and not without curiosity.  It must be
remembered that Dick was well dressed, and that nothing in
his appearance bespoke his occupation.  Being naturally a
good-looking boy, he might readily be mistaken for a
gentleman's son.

"Well, Queen Victoria," said Dick, "is your missus at home?"

"My name's Bridget," said the girl.

"Oh, indeed!" said Dick.  "You looked so much like the
queen's picter what she gave me last Christmas in exchange
for mine, that I couldn't help calling you by her name."

"Oh, go along wid ye!" said Bridget.  "It's makin' fun ye are."

"If you don't believe me," said Dick, gravely, "all you've
got to do is to ask my partic'lar friend, the Duke of
Newcastle."

"Bridget!" called a shrill voice from the basement.

"The missus is calling me," said Bridget, hurriedly. 
"I'll tell her ye want her."

"All right!" said Dick.

The servant descended into the lower regions, and in a short
time a stout, red-faced woman appeared on the scene.

"Well, sir, what's your wish?" she asked.

"Have you got a room to let?" asked Dick.

"Is it for yourself you ask?" questioned the woman, in some surprise.

Dick answered in the affirmative.

"I haven't got any very good rooms vacant.  There's a small
room in the third story."

"I'd like to see it," said Dick.

"I don't know as it would be good enough for you," said the
woman, with a glance at Dick's clothes.

"I ain't very partic'lar about accommodations," said our hero. 
"I guess I'll look at it."

Dick followed the landlady up two narrow stair-cases,
uncarpeted and dirty, to the third landing, where he was
ushered into a room about ten feet square.  It could not be
considered a very desirable apartment.  It had once been
covered with an oilcloth carpet, but this was now very
ragged, and looked worse than none.  There was a single bed
in the corner, covered with an indiscriminate heap of
bed-clothing, rumpled and not over-clean.  There was a
bureau, with the veneering scratched and in some parts
stripped off, and a small glass, eight inches by ten,
cracked across the middle; also two chairs in rather a
disjointed condition.  Judging from Dick's appearance, Mrs.
Mooney thought he would turn from it in disdain.

But it must be remembered that Dick's past experience had not
been of a character to make him fastidious.  In comparison
with a box, or an empty wagon, even this little room seemed
comfortable.  He decided to hire it if the rent proved
reasonable.

"Well, what's the tax?" asked Dick.

"I ought to have a dollar a week," said Mrs. Mooney,
hesitatingly.

"Say seventy-five cents, and I'll take it," said Dick.

"Every week in advance?"

"Yes."

"Well, as times is hard, and I can't afford to keep it empty,
you may have it.  When will you come?"

"To-night," said Dick.

"It ain't lookin' very neat.  I don't know as I can fix it up
to-night."

"Well, I'll sleep here to-night, and you can fix it up tomorrow."

"I hope you'll excuse the looks.  I'm a lone woman, and my
help is so shiftless, I have to look after everythilng
myself; so I can't keep things as straight as I want to."

"All right!" said Dick.

"Can you pay me the first week in advance?" asked the
landlady, cautiously.

Dick responded by drawing seventy-five cents from his pocket,
and placing it in her hand.

"What's your business, sir, if I may inquire?" said Mrs. Mooney.

"Oh, I'm professional!" said Dick.

"Indeed!" said the landlady, who did not feel much
enlightened by this answer.

"How's Tom?" asked Dick.

"Do you know my Tom?" said Mrs. Mooney in surprise. 
"He's gone to sea,--to Californy.  He went last week."

"Did he?" said Dick.  "Yes, I knew him."

Mrs. Mooney looked upon her new lodger with increased favor,
on finding that he was acquainted with her son, who, by the
way, was one of the worst young scamps in Mott Street, which
is saying considerable.

"I'll bring over my baggage from the Astor House this
evening," said Dick in a tone of importance.

"From the Astor House!" repeated Mrs. Mooney, in fresh
amazement.

"Yes, I've been stoppin' there a short time with some
friends," said Dick.

Mrs. Mooney might be excused for a little amazement at
finding that a guest from the Astor House was about to become
one of her lodgers--such transfers not being common.

"Did you say you was purfessional?" she asked.

"Yes, ma'am," said Dick, politely.

"You ain't a--a--" Mrs. Mooney paused, uncertain what
conjecture to hazard.

"Oh, no, nothing of the sort," said Dick, promptly. 
"How could you think so, Mrs. Mooney?"

"No offence, sir," said the landlady, more perplexed than ever.

"Certainly not," said our hero.  "But you must excuse me now,
Mrs. Mooney, as I have business of great importance to attend to."

"You'll come round this evening?"

Dick answered in the affirmative, and turned away.

"I wonder what he is!" thought the landlady, following him
with her eyes as he crossed the street.  "He's got good
clothes on, but he don't seem very particular about his room. 
Well; I've got all my rooms full now.  That's one comfort."

Dick felt more comfortable now that he had taken the decisive
step of hiring a lodging, and paying a week's rent in advance. 
For seven nights he was sure of a shelter and a bed to
sleep in.  The thought was a pleasant one to our young
vagrant, who hitherto had seldom known when he rose in the
morning where he should find a resting-place at night.

"I must bring my traps round," said Dick to himself.  "I guess
I'll go to bed early to-night.  It'll feel kinder good to
sleep in a reg'lar bed.  Boxes is rather hard to the back,
and ain't comfortable in case of rain.  I wonder what Johnny
Nolan would say if he knew I'd got a room of my own."

CHAPTER XIII

MlCKY MAGUlRE

About nine o'clock Dick sought his new lodgings.  In his
hands he carried his professional wardrobe, namely, the
clothes which he had worn at the commencement of the day, and
the implements of his business.  These he stowed away in the
bureau drawers, and by the light of a flickering candle took
off his clothes and went to bed.  Dick had a good digestion
and a reasonably good conscience; consequently he was a good
sleeper.  Perhaps, too, the soft feather bed conduced to
slumber.  At any rate his eyes were soon closed, and he did
not awake until half-past six the next morning.

He lifted himself on his elbow, and stared around him in
transient bewilderment.

"Blest if I hadn't forgot where I was," he said to himself. 
"So this is my room, is it?  Well, it seems kind of
'spectable to have a room and a bed to sleep in.  I'd orter
be able to afford seventy-five cents a week.  I've throwed
away more money than that in one evenin'.  There ain't no
reason why I shouldn't live 'spectable.  I wish I knowed as
much as Frank.  He's a tip-top feller.  Nobody ever cared
enough for me before to give me good advice.  It was kicks,
and cuffs, and swearin' at me all the time.  I'd like to show
him I can do something."

While Dick was indulging in these reflections, he had risen
from bed, and, finding an accession to the furniture of his
room, in the shape of an ancient wash-stand bearing a cracked
bowl and broken pitcher, indulged himself in the rather
unusual ceremony of a good wash.  On the whole, Dick
preferred to be clean, but it was not always easy to gratify
his desire.  Lodging in the street as he had been accustomed
to do, he had had no opportunity to perform his toilet in the
customary manner.  Even now he found himself unable to
arrange his dishevelled locks, having neither comb nor brush. 
He determined to purchase a comb, at least, as soon as
possible, and a brush too, if he could get one cheap. 
Meanwhile he combed his hair with his fingers as well as he
could, though the result was not quite so satisfactory as it
might have been.

A question now came up for consideration.  For the first time
in his life Dick possessed two suits of clothes.  Should he
put on the clothes Frank had given him, or resume his old rags?

Now, twenty-four hours before, at the time Dick was
introduced to the reader's notice, no one could have been
less fastidious as to his clothing than he.  Indeed, he had
rather a contempt for good clothes, or at least he thought so. 
But now, as he surveyed the ragged and dirty coat and
the patched pants, Dick felt ashamed of them.  He was
unwilling to appear in the streets with them.  Yet, if he
went to work in his new suit, he was in danger of spoiling
it, and he might not have it in his power to purchase a new one. 
Economy dictated a return to the old garments.  Dick tried
them on, and surveyed himself in the cracked glass; but
the reflection did not please him.

"They don't look 'spectable," he decided; and, forthwith
taking them off again, he put on the new suit of the
day before.

"I must try to earn a little more," he thought, "to pay for
my room, and to buy some new clo'es when these is wore out."

He opened the door of his chamber, and went downstairs and
into the street, carrying his blacking-box with him.

It was Dick's custom to commence his business before
breakfast; generally it must be owned, because he began the
day penniless, and must earn his meal before he ate it. 
To-day it was different.  He had four dollars left in his
pocket-book; but this he had previously determined not to
touch.  In fact he had formed the ambitious design of
starting an account at a savings' bank, in order to have
something to fall back upon in case of sickness or any other
emergency, or at any rate as a reserve fund to expend in
clothing or other necessary articles when he required them. 
Hitherto he had been content to live on from day to day
without a penny ahead; but the new vision of respectability
which now floated before Dick's mind, owing to his recent
acquaintance with Frank, was beginning to exercise a powerful
effect upon him.

In Dick's profession as in others there are lucky days, when
everything seems to flow prosperously.  As if to encourage him
in his new-born resolution, our hero obtained no less than
six jobs in the course of an hour and a half.  This gave him
sixty cents, quite abundant to purchase his breakfast, and a
comb besides.  His exertions made him hungry, and, entering a
small eating-house he ordered a cup of coffee and a beefsteak. 
To this he added a couple of rolls.  This was quite a
luxurious breakfast for Dick, and more expensive than
he was accustomed to indulge himself with.  To gratify the
curiosity of my young readers, I will put down the items with
their cost,--

           Coffee, . . . . . . . . . . . . .  5cts.
           Beefsteak,. . . . . . . . . . . . 15
           A couple of rolls,. . . . . . . .  5
                                           --25 cts.

It will thus be seen that our hero had expended nearly one-
half of his morning's earnings.  Some days he had been
compelled to breakfast on five cents, and then he was forced
to content himself with a couple of apples, or cakes.  But a
good breakfast is a good preparation for a busy day, and Dick
sallied forth from the restaurant lively and alert, ready to
do a good stroke of business.

Dick's change of costume was liable to lead to one result of
which he had not thought.  His brother boot-blacks might
think he had grown aristocratic, and was putting on
airs,--that, in fact, he was getting above his business, and
desirous to outshine his associates.  Dick had not dreamed of
this, because in fact, in spite of his new-born ambition, he
entertained no such feeling.  There was nothing of what boys
call "big-feeling" about him.  He was a borough democrat,
using the word not politically, but in its proper sense, and
was disposed to fraternize with all whom he styled "good
fellows," without regard to their position.  It may seem a
little unnecessary to some of my readers to make this
explanation; but they must remember that pride and
"big-feeling" are confined to no age or class, but may be
found in boys as well as men, and in boot-blacks as well as
those of a higher rank.

The morning being a busy time with the boot-blacks, Dick's
changed appearance had not as yet attracted much attention. 
But when business slackened a little, our hero was destined
to be reminded of it.

Among the down-town boot-blacks was one hailing from the Five
Points,--a stout, red-haired, freckled-faced boy of fourteen,
bearing the name of Micky Maguire.  This boy, by his boldness
and recklessness, as well as by his personal strength, which
was considerable, had acquired an ascendency among his fellow
professionals, and had a gang of subservient followers, whom
he led on to acts of ruffianism, not unfrequently terminating
in a month or two at Blackwell's Island.  Micky himself had
served two terms there; but the confinement appeared to have
had very little effect in amending his conduct, except,
perhaps, in making him a little more cautious about an
encounter with the "copps," as the members of the city police
are, for some unknown reason, styled among the Five-Point boys.

Now Micky was proud of his strength, and of the position of
leader which it had secured him.  Moreover he was democratic
in his tastes, and had a jealous hatred of those who wore
good clothes and kept their faces clean.  He called it
putting on airs, and resented the implied superiority.  If he
had been fifteen years older, and had a trifle more
education, he would have interested himself in politics, and
been prominent at ward meetings, and a terror to respectable
voters on election day.  As it was, he contented himself with
being the leader of a gang of young ruffians, over whom he
wielded a despotic power.

Now it is only justice to Dick to say that, so far as wearing
good clothes was concerned, he had never hitherto offended
the eyes of Micky Maguire.  Indeed, they generally looked as
if they patronized the same clothing establishment.  On this
particular morning it chanced that Micky had not been very
fortunate in a business way, and, as a natural consequence,
his temper, never very amiable, was somewhat ruffled by the
fact.  He had had a very frugal breakfast,--not because he
felt abstemious, but owing to the low state of his finances. 
He was walking along with one of his particular friends, a
boy nicknamed Limpy Jim, so called from a slight peculiarity
in his walk, when all at once he espied our friend Dick in
his new suit.

"My eyes!" he exclaimed, in astonishment; "Jim, just look at
Ragged Dick.  He' s come into a fortun', and turned gentleman. 
See his new clothes."

"So he has," said Jim.  "Where'd he get 'em, I wonder?"

"Hooked 'em, p'raps.  Let's go and stir him up a little. 
We don't want no gentlemen on our beat.  So he's puttin' on
airs,--is he?  I'll give him a lesson."

So saying the two boys walked up to our hero, who had not
observed them, his back being turned, and Micky Maguire gave
him a smart slap on the shoulder.

Dick turned round quickly.

CHAPTER XIV

A BATTLE AND A VICTORY

"What's that for?" demanded Dick, turning round to see who
had struck him.

"You're gettin' mighty fine!" said Micky Maguire, surveying
Dick's new clothes with a scornful air.

There was something in his words and tone, which Dick, who
was disposed to stand up for his dignity, did not at all relish.

"Well, what's the odds if I am?" he retorted.  "Does it hurt
you any?"

"See him put on airs, Jim," said Micky, turning to his companion. 
"Where'd you get them clo'es?"

"Never mind where I got 'em.  Maybe the Prince of Wales gave
'em to me."

"Hear him, now, Jim," said Micky.  "Most likely he stole 'em."

"Stealin' ain't in _my_ line."

It might have been unconscious the emphasis which Dick placed
on the word "my."  At any rate Micky chose to take offence.

"Do you mean to say _I_ steal?" he demanded, doubling up his
fist, and advancing towards Dick in a threatening manner.

"I don't say anything about it," answered Dick, by no means
alarmed at this hostile demonstration.  "I know you've been
to the Island twice.  P'r'aps 'twas to make a visit along of
the Mayor and Aldermen.  Maybe you was a innocent victim of
oppression.  I ain't a goin' to say."

Micky's freckled face grew red with wrath, for Dick had only
stated the truth.

"Do you mean to insult me?" he demanded shaking the fist
already doubled up in Dick's face.  "Maybe you want a lickin'?"

"I ain't partic'larly anxious to get one," said Dick, coolly. 
"They don't agree with my constitution which is nat'rally
delicate.  I'd rather have a good dinner than a lickin' any time."

"You're afraid," sneered Micky.  "Isn't he, Jim?"

"In course he is."

"P'r'aps I am," said Dick, composedly, "but it don't trouble
me much."

"Do you want to fight?" demanded Micky, encouraged by Dick's
quietness, fancying he was afraid to encounter him.

"No, I don't," said Dick.  "I ain't fond of fightin'.  It's a
very poor amusement, and very bad for the complexion,
'specially for the eyes and nose, which is apt to turn red,
white, and blue."

Micky misunderstood Dick, and judged from the tenor of his
speech that he would be an easy victim.  As he knew, Dick
very seldom was concerned in any street fight,--not from
cowardice, as he imagined, but because he had too much good
sense to do so.  Being quarrelsome, like all bullies, and
supposing that he was more than a match for our hero, being
about two inches taller, he could no longer resist an
inclination to assault him, and tried to plant a blow in
Dick's face which would have hurt him considerably if he had
not drawn back just in time.

Now, though Dick was far from quarrelsome, he was ready to
defend himself on all occasions, and it was too much to expect
that he would stand quiet and allow himself to be beaten.

He dropped his blacking-box on the instant, and returned
Micky's blow with such good effect that the young bully
staggered back, and would have fallen, if he had not been
propped up by his confederate, Limpy Jim.

"Go in, Micky!" shouted the latter, who was rather a coward
on his own account, but liked to see others fight.  "Polish
him off, that's a good feller."

Micky was now boiling over with rage and fury, and required
no urging.  He was fully determined to make a terrible
example of poor Dick.  He threw himself upon him, and strove
to bear him to the ground; but Dick, avoiding a close hug, in
which he might possibly have got the worst of it, by an
adroit movement, tripped up his antagonist, and stretched him
on the side walk.

"Hit him, Jim!" exclaimed Micky, furiously.

Limpy Jim did not seem inclined to obey orders.  There was a
quiet strength and coolness about Dick, which alarmed him. 
He preferred that Micky should incur all the risks of battle,
and accordingly set himself to raising his fallen comrade.

"Come, Micky," said Dick, quietly, "you'd better give it up. 
I wouldn't have touched you if you hadn't hit me first. 
I don't want to fight.  It's low business."

"You're afraid of hurtin' your clo'es," said Micky, with a sneer.

"Maybe I am," said Dick.  "I hope I haven't hurt yours."

Micky's answer to this was another attack, as violent and
impetuous as the first.  But his fury was in the way. 
He struck wildly, not measuring his blows, and Dick had no
difficulty in turning aside, so that his antagonist's blow
fell upon the empty air, and his momentum was such that he
nearly fell forward headlong.  Dick might readily have taken
advantage of his unsteadiness, and knocked him down; but he
was not vindictive, and chose to act on the defensive, except
when he could not avoid it.

Recovering himself, Micky saw that Dick was a more formidable
antagonist than he had supposed, and was meditating another
assault, better planned, which by its impetuosity might bear
our hero to the ground.  But there was an unlooked-for
interference.

"Look out for the `copp,'" said Jim, in a low voice.

Micky turned round and saw a tall policeman heading towards
him, and thought it might be prudent to suspend hostilities. 
He accordingly picked up his black-box, and, hitching up his
pants, walked off, attended by Limpy Jim.

"What's that chap been doing?" asked the policeman of Dick.

"He was amoosin' himself by pitchin' into me," replied Dick.

"What for?"

"He didn't like it 'cause I patronized a different tailor
from him."

"Well, it seems to me you _are_ dressed pretty smart for a
boot-black," said the policeman.

"I wish I wasn't a boot-black," said Dick.

"Never mind, my lad.  It's an honest business," said the
policeman, who was a sensible man and a worthy citizen. 
"It's an honest business.  Stick to it till you get
something better."

"I mean to," said Dick.  "It ain't easy to get out of it, as
the prisoner remarked, when he was asked how he liked his
residence."

"I hope you don't speak from experience."

"No," said Dick; "I don't mean to get into prison if I can
help it."

"Do you see that gentleman over there?" asked the officer,
pointing to a well-dressed man who was walking on the other
side of the street.

"Yes."

"Well, he was once a newsboy."

"And what is he now?"

"He keeps a bookstore, and is quite prosperous."

Dick looked at the gentleman with interest, wondering if he
should look as respectable when he was a grown man.

It will be seen that Dick was getting ambitious.  Hitherto he
had thought very little of the future, but was content to get
along as he could, dining as well as his means would allow,
and spending the evenings in the pit of the Old Bowery,
eating peanuts between the acts if he was prosperous, and if
unlucky supping on dry bread or an apple, and sleeping in an
old box or a wagon.  Now, for the first time, he began to
reflect that he could not black boots all his life.  In seven
years he would be a man, and, since his meeting with Frank,
he felt that he would like to be a respectable man.  He could
see and appreciate the difference between Frank and such a
boy as Micky Maguire, and it was not strange that he
preferred the society of the former.

In the course of the next morning, in pursuance of his new
resolutions for the future, he called at a savings bank, and
held out four dollars in bills besides another dollar in
change.  There was a high railing, and a number of clerks
busily writing at desks behind it.  Dick, never having been
in a bank before, did not know where to go.  He went, by
mistake, to the desk where money was paid out.

"Where's your book?" asked the clerk

"I haven't got any."

"Have you any money deposited here?"

"No, sir, I want to leave some here."

"Then go to the next desk."

Dick followed directions, and presented himself before an
elderly man with gray hair, who looked at him over the rims
of his spectacles.

"I want you to keep that for me," said Dick, awkwardly
emptying his money out on the desk.

"How much is there?"

"Five dollars."

"Have you got an account here?"

"No, sir."

"Of course you can write?"

The "of course" was said on account of Dick's neat dress.

"Have I got to do any writing?" asked our hero, a little
embarrassed.

"We want you to sign your name in this book," and the old
gentleman shoved round a large folio volume containing the
names of depositors.

Dick surveyed the book with some awe.

"I ain't much on writin'," he said.

"Very well; write as well as you can."

The pen was put into Dick's hand, and, after dipping it in
the inkstand, he succeeded after a hard effort, accompanied
by many contortions of the face, in inscribing upon the book
of the bank the name

                        DICK HUNTER.

"Dick!--that means Richard, I suppose," said the bank
officer, who had some difficulty in making out the signature.

"No; Ragged Dick is what folks call me."

"You don't look very ragged."

"No, I've left my rags to home.  They might get wore out if I
used 'em too common."

"Well, my lad, I'll make out a book in the name of Dick
Hunter, since you seem to prefer Dick to Richard.  I hope
you will save up your money and deposit more with us."

Our hero took his bank-book, and gazed on the entry "Five
Dollars" with a new sense of importance.  He had been
accustomed to joke about Erie shares, but now, for the first
time, he felt himself a capitalist; on a small scale, to be
sure, but still it was no small thing for Dick to have five
dollars which he could call his own.  He firmly determined
that he would lay by every cent he could spare from his
earnings towards the fund he hoped to accumulate.

But Dick was too sensible not to know that there was
something more than money needed to win a respectable
position in the world.  He felt that he was very ignorant. 
Of reading and writing he only knew the rudiments, and that,
with a slight acquaintance with arithmetic, was all he did
know of books.  Dick knew he must study hard, and he dreaded
it.  He looked upon learning as attended with greater
difficulties than it really possesses.  But Dick had good
pluck.  He meant to learn, nevertheless, and resolved to buy
a book with his first spare earnings.

When Dick went home at night he locked up his bank-book in
one of the drawers of the bureau.  It was wonderful how much
more independent he felt whenever he reflected upon the
contents of that drawer, and with what an important air of
joint ownership he regarded the bank building in which his
small savings were deposited.

CHAPTER XV

DICK SECURES A TUTOR

The next morning Dick was unusually successful, having plenty
to do, and receiving for one job twentv-five cents,--the
gentleman refusing to take change.  Then flashed upon Dick's
mind the thought that he had not yet returned the change due
to the gentleman whose boots he had blacked on the morning of
his introduction to the reader.

"What'll he think of me?" said Dick to himself.  "I hope he
won't think I'm mean enough to keep the money."

Now Dick was scrupulously honest, and though the temptation
to be otherwise had often been strong, he had always resisted
it.  He was not willing on any account to keep money which
did not belong to him, and he immediately started for 125
Fulton Street (the address which had been given him) where he
found Mr. Greyson's name on the door of an office on the
first floor.

The door being open, Dick walked in.

"Is Mr. Greyson in?" he asked of a clerk who sat on a high
stool before a desk.

"Not just now.  He'll be in soon.  Will you wait?"

"Yes," said Dick.

"Very well; take a seat then."

Dick sat down and took up the morning "Tribune," but
presently came to a word of four syllables, which he
pronounced to himself a "sticker," and laid it down. 
But he had not long to wait, for five minutes later
Mr. Greyson entered.

"Did you wish to speak to me, my lad?" said he to Dick, whom
in his new clothes he did not recognize.

"Yes, sir," said Dick.  "I owe you some money."

"Indeed!" said Mr. Greyson, pleasantly; "that's an agreeable
surprise.  I didn't know but you had come for some.  So you
are a debtor of mine, and not a creditor?"

"I b'lieve that's right," said Dick, drawing fifteen cents
from his pocket, and placing in Mr. Greyson's hand.

"Fifteen cents!" repeated he, in some surprise.  "How do you
happen to be indebted to me in that amount?"

"You gave me a quarter for a-shinin' your boots, yesterday
mornin', and couldn't wait for the change.  I meant to have
brought it before, but I forgot all about it till this mornin'."

"It had quite slipped my mind also.  But you don't look like
the boy I employed.  If I remember rightly he wasn't as well
dressed as you."

"No," said Dick.  "I was dressed for a party, then, but the
clo'es was too well ventilated to be comfortable in cold weather."

"You're an honest boy," said Mr. Greyson.  "Who taught you to
be honest?"

"Nobody," said Dick.  "But it's mean to cheat and steal. 
I've always knowed that."

"Then you've got ahead of some of our business men.  Do you
read the Bible?"

"No," said Dick.  "I've heard it's a good book, but I don't
know much about it."

"You ought to go to some Sunday School.  Would you be willing?"

"Yes," said Dick, promptly.  "I want to grow up 'spectable. 
But I don't know where to go."

"Then I'll tell you.  The church I attend is at the corner of
Fifth Avenue and Twenty-first Street."

"I've seen it," said Dick.

"I have a class in the Sunday School there.  If you'll come
next Sunday, I'll take you into my class, and do what I can
to help you."

"Thank you," said Dick, "but p'r'aps you'll get tired of
teaching me.  I'm awful ignorant."

"No, my lad," said Mr.Greyson, kindly.  "You evidently have
some good principles to start with, as you have shown by your
scorn of dishonesty.  I shall hope good things of you in the future."

"Well, Dick," said our hero, apostrophizing himself, as he
left the office; "you're gettin' up in the world.  You've got
money invested, and are goin' to attend church, by partic'lar
invitation, on Fifth Avenue.  I shouldn't wonder much if you
should find cards, when you get home, from the Mayor,
requestin' the honor of your company to dinner, along with
other distinguished guests."

Dick felt in very good spirits.  He seemed to be emerging
from the world in which he had hitherto lived, into a new
atmosphere of respectability, and the change seemed very
pleasant to him.

At six o'clock Dick went into a restaurant on Chatham Street,
and got a comfortable supper.  He had been so successful
during the day that, after paying for this, he still had
ninety cents left.  While he was despatching his supper,
another boy came in, smaller and slighter than Dick, and sat
down beside him.  Dick recognized him as a boy who three
months before had entered the ranks of the boot-blacks, but
who, from a natural timidity, had not been able to earn much. 
He was ill-fitted for the coarse companionship of the street
boys, and shrank from the rude jokes of his present associates. 
Dick had never troubled him; for our hero had a certain
chivalrous feeling which would not allow him to bully
or disturb a younger and weaker boy than himself.

"How are you, Fosdick?" said Dick, as the other seated himself.

"Pretty well," said Fosdick.  "I suppose you're all right."

"Oh, yes, I'm right side up with care.  I've been havin' a
bully supper.  What are you goin' to have?"

"Some bread and butter."

"Why don't you get a cup o' coffee?"

"Why," said Fosdick, reluctantly, "I haven't got money
enough to-night."

"Never mind," said Dick; "I'm in luck to-day, I'll stand treat."

"That's kind in you," said Fosdick, gratefully.

"Oh, never mind that," said Dick.

Accordingly he ordered a cup of coffee, and a plate of
beefsteak, and was gratified to see that his young companion
partook of both with evident relish.  When the repast was
over, the boys went out into the street together, Dick
pausing at the desk to settle for both suppers.

"Where are you going to sleep to-night, Fosdick?" asked Dick,
as they stood on the sidewalk.

"I don't know," said Fosdick, a little sadly.  "In some
doorway, I expect.  But I'm afraid the police will find me
out, and make me move on."

"I'll tell you what," said Dick, "you must go home with me. 
I guess my bed will hold two."

"Have you got a room?" asked the other, in surprise.

"Yes," said Dick, rather proudly, and with a little excusable
exultation.  "I've got a room over in Mott Street; there I
can receive my friends.  That'll be better than sleepin' in a
door-way,-- won't it?"

"Yes, indeed it will," said Fosdick.  "How lucky I was to
come across you!  It comes hard to me living as I do. 
When my father was alive I had every comfort."

"That's more'n I ever had," said Dick.  "But I'm goin' to try
to live comfortable now.  Is your father dead?"

"Yes," said Fosdick, sadly.  "He was a printer; but he was
drowned one dark night from a Fulton ferry-boat, and, as I
had no relations in the city, and no money, I was obliged to
go to work as quick as I could.  But I don't get on very well."

"Didn't you have no brothers nor sisters?" asked Dick.

"No," said Fosdick; "father and I used to live alone.  He was
always so much company to me that I feel very lonesome
without him.  There's a man out West somewhere that owes him
two thousand dollars.  He used to live in the city, and
father lent him all his money to help him go into business;
but he failed, or pretended to, and went off.  If father
hadn't lost that money he would have left me well off; but no
money would have made up his loss to me."

"What's the man's name that went off with your father's money?"

"His name is Hiram Bates."

"P'r'aps you'll get the money again, sometime."

"There isn't much chance of it," said Fosdick.  "I'd sell out
my chances of that for five dollars."

"Maybe I'll buy you out sometime," said Dick.  "Now, come
round and see what sort of a room I've got.  I used to go to
the theatre evenings, when I had money; but now I'd rather go
to bed early, and have a good sleep."

"I don't care much about theatres," said Fosdick.  "Father
didn't use to let me go very often.  He said it wasn't good
for boys."

"I like to go to the Old Bowery sometimes.  They have tip-
top plays there.  Can you read and write well?" he asked, as
a sudden thought came to him.

"Yes," said Fosdick.  "Father always kept me at school when
he was alive, and I stood pretty well in my classes.  I was
expecting to enter at the Free Academy* next year."

* Now the college of the city of New York.

"Then I'll tell you what," said Dick; "I'll make a bargain
with you.  I can't read much more'n a pig; and my writin'
looks like hens' tracks.  I don't want to grow up knowin' no
more'n a four-year-old boy.  If you'll teach me readin' and
writin' evenin's, you shall sleep in my room every night. 
That'll be better'n door-steps or old boxes, where I've slept
many a time."

"Are you in earnest?" said Fosdick, his face lighting up
hopefully.

"In course I am," said Dick.  "It' s fashionable for young
gentlemen to have private tootors to introduct 'em into the
flower-beds of literatoor and science, and why shouldn't I
foller the fashion?  You shall be my perfessor; only you must
promise not to be very hard if my writin' looks like a
rail-fence on a bender."

"I'll try not to be too severe," said Fosdick, laughing. 
"I shall be thankful for such a chance to get a place
to sleep.  Have you got anything to read out of?"

"No," said Dick.  "My extensive and well-selected library was
lost overboard in a storm, when I was sailin' from the Sandwich
Islands to the desert of Sahara.  But I'll buy a paper. 
That'll do me a long time."

Accordingly Dick stopped at a paper-stand, and bought a copy
of a weekly paper, filled with the usual variety of reading
matter,-- stories, sketches, poems, etc.

They soon arrived at Dick's lodging-house.  Our hero,
procuring a lamp from the landlady, led the way into his
apartment, which he entered with the proud air of a proprietor.

"Well, how do you like it, Fosdick?" he asked, complacently.

The time was when Fosdick would have thought it untidy and
not particularly attractive.  But he had served a severe
apprenticeship in the streets, and it was pleasant to feel
himself under shelter, and he was not disposed to be critical.

"It looks very comfortable, Dick," he said.

"The bed ain't very large," said Dick; "but I guess we can
get along."

"Oh, yes," said Fosdick, cheerfully.  "I don't take up much room."

"Then that's all right.  There's two chairs, you see, one for
you and one for me.  In case the mayor comes in to spend the
evenin' socially, he can sit on the bed."

The boys seated themselves, and five minutes later, under
the guidance of his young tutor, Dick had commenced his studies.

CHAPTER XVI

THE FlRST LESSON

Fortunately for Dick, his young tutor was well qualified to
instruct him.  Henry Fosdick, though only twelve years old,
knew as much as many boys of fourteen.  He had always been
studious and ambitious to excel.  His father, being a
printer, employed in an office where books were printed,
often brought home new books in sheets, which Henry was
always glad to read.  Mr. Fosdick had been, besides,
a subscriber to the Mechanics' Apprentices' Library,
which contains many thousands of well-selected and
instructive books.  Thus Henry had acquired an amount
of general information, unusual in a boy of his age. 
Perhaps he had devoted too much time to study, for he was
not naturally robust.  All this, however, fitted him admirably
for the office to which Dick had appointed him,--that of his
private instructor.

The two boys drew up their chairs to the rickety table, and
spread out the paper before them.

"The exercises generally Commence with ringin' the bell,"
said Dick; "but as I ain't got none, we'll have to do without."

"And the teacher is generally provided with a rod," said
Fosdick.  "Isn't there a poker handy, that I can use in case
my scholar doesn't behave well?"

"'Tain't lawful to use fire-arms," said Dick.

"Now, Dick," said Fosdick, "before we begin, I must find out
how much you already know.  Can you read any?"

"Not enough to hurt me," said Dick.  "All I know about
readin' you could put in a nutshell, and there'd be room
left for a small family."

"I suppose you know your letters?"

"Yes," said Dick, "I know 'em all, but not intimately. 
I guess I can call 'em all by name."

"Where did you learn them?  Did you ever go to school?"

"Yes; I went two days."

"Why did you stop?"

"It didn't agree with my constitution."

"You don't look very delicate," said Fosdick.

"No," said Dick, "I ain't troubled much that way; but I found
lickin's didn't agree with me."

"Did you get punished?"

"Awful," said Dick.

"What for?"

"For indulgin' in a little harmless amoosement," said Dick. 
"You see the boy that was sittin' next to me fell asleep,
which I considered improper in school-time; so I thought I'd
help the teacher a little by wakin' him up.  So I took a pin
and stuck into him; but I guess it went a little too far, for
he screeched awful.  The teacher found out what it was that
made him holler, and whipped me with a ruler till I was black
and blue.  I thought 'twas about time to take a vacation; so
that's the last time I went to school."

"You didn't learn to read in that time, of course?"

"No," said Dick; "but I was a newsboy a little while; so I
learned a little, just so's to find out what the news was. 
Sometimes I didn't read straight and called the wrong news. 
One mornin' I asked another boy what the paper said, and he
told me the King of Africa was dead.  I thought it was all
right till folks began to laugh."

"Well, Dick, if you'll only study well, you won't be liable
to make such mistakes."

"I hope so," said Dick.  "My friend Horace Greeley told me
the other day that he'd get me to take his place now and then
when he was off makin' speeches if my edication hadn't been
neglected."

"I must find a good piece for you to begin on," said Fosdick,
looking over the paper.

"Find an easy one," said Dick, "with words of one story."

Fosdick at length found a piece which he thought would answer. 
He discovered on trial that Dick had not exaggerated
his deficiencies.  Words of two syllables he seldom
pronounced right, and was much surprised when he was told how
"through" was sounded.

"Seems to me it's throwin' away letters to use all them," he said.

"How would you spell it?" asked his young teacher.

"T-h-r-u," Said Dick.

"Well," said Fosdick, "there's a good many other words that
are spelt with more letters than they need to have.  But it's
the fashion, and we must follow it."

But if Dick was ignorant, he was quick, and had an excellent
capacity.  Moreover he had perseverance, and was not easily
discouraged.  He had made up his mind he must know more, and
was not disposed to complain of the difficulty of his task. 
Fosdick had occasion to laugh more than once at his ludicrous
mistakes; but Dick laughed too, and on the whole both were
quite interested in the lesson.

At the end of an hour and a half the boys stopped for the evening.

"You're learning fast, Dick," said Fosdick.  "At this rate
you will soon learn to read well."

"Will I?" asked Dick with an expression of satisfaction. 
"I'm glad of that.  I don't want to be ignorant.  I didn't
use to care, but I do now.  I want to grow up 'spectable."

"So do I, Dick.  We will both help each other, and I am sure
we can accomplish something.  But I am beginning to feel sleepy."

"So am I," said Dick.  "Them hard words make my head ache. 
I wonder who made 'em all?"

"That's more than I can tell.  I suppose you've seen a dictionary."

"That's another of 'em.  No, I can't say I have, though I may
have seen him in the street without knowin' him."

"A dictionary is a book containing all the words in the language."

"How many are there?"

"I don't rightly know; but I think there are about fifty thousand."

"It's a pretty large family," said Dick.  "Have I got to
learn 'em all?"

"That will not be necessary.  There are a large number which
you would never find occasion to use."

"I'm glad of that," said Dick; "for I don't expect to live to
be more'n a hundred, and by that time I wouldn't be more'n
half through."

By this time the flickering lamp gave a decided hint to the
boys that unless they made haste they would have to undress
in the dark.  They accordingly drew off their clothes, and
Dick jumped into bed.  But Fosdick, before doing so, knelt
down by the side of the bed, and said a short prayer.

"What's that for?" asked Dick, curiously.

"I was saying my prayers," said Fosdick, as he rose from his
knees.  "Don't you ever do it?"

"No," said Dick.  "Nobody ever taught me."

"Then I'll teach you.  Shall I?"

"I don't know," said Dick, dubiously.  "What's the good?"

Fosdick explained as well as he could, and perhaps his simple
explanation was better adapted to Dick's comprehension than
one from an older person would have been.  Dick felt more
free to ask questions, and the example of his new friend, for
whom he was beginning to feel a warm attachment, had
considerable effect upon him.  When, therefore, Fosdick asked
again if he should teach him a prayer, Dick consented, and
his young bedfellow did so.  Dick was not naturally
irreligious.  If he had lived without a knowledge of God and
of religious things, it was scarcely to be wondered at in a
lad who, from an early age, had been thrown upon his own
exertions for the means of living, with no one to care for
him or give him good advice.  But he was so far good that he
could appreciate goodness in others, and this it was that had
drawn him to Frank in the first place, and now to Henry
Fosdick.  He did not, therefore, attempt to ridicule his
companion, as some boys better brought up might have done,
but was willing to follow his example in what something told
him was right.  Our young hero had taken an important step
toward securing that genuine respectability which he was
ambitious to attain.

Weary with the day's work, and Dick perhaps still more
fatigued by the unusual mental effort he had made, the boys
soon sank into a deep and peaceful slumber, from which they
did not awaken till six o'clock the next morning.  Before
going out Dick sought Mrs. Mooney, and spoke to her on the
subject of taking Fosdick as a room-mate.  He found that she
had no objection, provided he would allow her twenty-five
cents a week extra, in consideration of the extra trouble
which his companion might be expected to make.  To this Dick
assented, and the arrangement was definitely concluded.

This over, the two boys went out and took stations near each
other.  Dick had more of a business turn than Henry, and
less shrinking from publicity, so that his earnings were
greater.  But he had undertaken to pay the entire expenses of
the room, and needed to earn more.  Sometimes, when two
customers presented themselves at the same time, he was able
to direct one to his friend.  So at the end of the week both
boys found themselves with surplus earnings.  Dick had the
satisfaction of adding two dollars and a half to his deposits
in the Savings Bank, and Fosdick commenced an account by
depositing seventy-five cents.

On Sunday morning Dick bethought himself of his promise to
Mr. Greyson to come to the church on Fifth Avenue.  To tell
the truth, Dick recalled it with some regret.  He had never
been inside a church since he could remember, and he was not
much attracted by the invitation he had received.  But Henry,
finding him wavering, urged him to go, and offered to go with
him.  Dick gladly accepted the offer, feeling that he
required someone to lend him countenance under such unusual
circumstances.

Dick dressed himself with scrupulous care, giving his shoes a
"shine" so brilliant that it did him great credit in a
professional point of view, and endeavored to clean his hands
thoroughly; but, in spite of all he could do, they were not
so white as if his business had been of a different character.

Having fully completed his preparations, he descended into the
street, and, with Henry by his side, crossed over to Broadway.

The boys pursued their way up Broadway, which on Sunday
presents a striking contrast in its quietness to the noise
and confusion of ordinary week-days, as far as Union Square,
then turned down Fourteenth Street, which brought them to
Fifth Avenue.

"Suppose we dine at Delmonico's," said Fosdick, looking
towards that famous restaurant.

"I'd have to sell some of my Erie shares," said Dick.

A short walk now brought them to the church of which mention
has already been made.  They stood outside, a little abashed,
watching the fashionably attired people who were entering,
and were feeling a little undecided as to whether they had
better enter also, when Dick felt a light touch upon his
shoulder.

Turning round, he met the smiling glance of Mr. Greyson.

"So, my young friend, you have kept your promise," he said. 
"And whom have you brought with you?"

"A friend of mine," said Dick.  "His name is Henry Fosdick."

"I am glad you have brought him.  Now follow me, and I will
give you seats."

CHAPTER XVII

DICK'S FIRST APPEARANCE IN SOCIETY

It was the hour for morning service.  The boys followed Mr.
Greyson into the handsome church, and were assigned seats in
his own pew.

There were two persons already seated in it,--a good-looking
lady of middle age, and a pretty little girl of nine.  They
were Mrs. Greyson and her only daughter Ida.  They looked
pleasantly at the boys as they entered, smiling a welcome to them.

The morning service commenced.  It must be acknowledged that
Dick felt rather awkward.  It was an unusual place for him,
and it need not be wondered at that he felt like a cat in a
strange garret.  He would not have known when to rise if he
had not taken notice of what the rest of the audience did,
and followed their example.  He was sitting next to Ida, and
as it was the first time he had ever been near so
well-dressed a young lady, he naturally felt bashful.  When
the hymns were announced, Ida found the place, and offered a
hymn-book to our hero.  Dick took it awkwardly, but his
studies had not yet been pursued far enough for him to read
the words readily.  However, he resolved to keep up appearances,
and kept his eyes fixed steadily on the hymn-book.

At length the service was over.  The people began to file
slowly out of church, and among them, of course, Mr.
Greyson's family and the two boys.  It seemed very strange to
Dick to find himself in such different companionship from
what he had been accustomed, and he could not help thinking,
"Wonder what Johnny Nolan 'ould say if he could see me now!"

But Johnny's business engagements did not often summon him to
Fifth Avenue, and Dick was not likely to be seen by any of
his friends in the lower part of the city.

"We have our Sunday school in the afternoon," said Mr.
Greyson.  "I suppose you live at some distance from here?"

"In Mott Street, sir," answered Dick.

"That is too far to go and return.  Suppose you and your
friend come and dine with us, and then we can come here
together in the afternoon."

Dick was as much astonished at this invitation as if he had
really been invited by the Mayor to dine with him and the
Board of Aldermen.  Mr. Greyson was evidently a rich man, and
yet he had actually invited two boot-blacks to dine with him.

"I guess we'd better go home, sir," said Dick, hesitating.

"I don't think you can have any very pressing engagements to
interfere with your accepting my invitation," said Mr.
Greyson, good-humoredly, for he understood the reason of
Dick's hesitation.  "So I take it for granted that you
both accept."

Before Dick fairly knew what he intended to do, he was
walking down Fifth Avenue with his new friends.

Now, our young hero was not naturally bashful; but he
certainly felt so now, especially as Miss Ida Greyson chose
to walk by his side, leaving Henry Fosdick to walk with her
father and mother.

"What is your name?" asked Ida, pleasantly.

Our hero was about to answer "Ragged Dick," when it occurred
to him that in the present company he had better forget his
old nickname.

"Dick Hunter," he answered.

"Dick!" repeated Ida.  "That means Richard, doesn't it?"

"Everybody calls me Dick."

"I have a cousin Dick," said the young lady, sociably. 
"His name is Dick Wilson.  I suppose you don't know him?"

"No," said Dick.

"I like the name of Dick," said the young lady, with charming
frankness.

Without being able to tell why, Dick felt rather glad she did. 
He plucked up courage to ask her name.

"My name is Ida," answered the young lady.  "Do you like it?"

"Yes," said Dick.  "It's a bully name."

Dick turned red as soon as he had said it, for he felt that
he had not used the right expression.

The little girl broke into a silvery laugh.

"What a funny boy you are!" she said.

"I didn't mean it," said Dick, stammering.  "I meant it's a
tip-top name."

Here Ida laughed again, and Dick wished himself back in Mott Street.

"How old are you?" inquired Ida, continuing her examination.

"I'm fourteen,--goin' on fifteen," said Dick.

"You're a big boy of your age," said Ida.  "My cousin Dick is
a year older than you, but he isn't as large."

Dick looked pleased.  Boys generally like to be told that
they are large of their age.

"How old be you?" asked Dick, beginning to feel more at his ease.

"I'm nine years old," said Ida.  "I go to Miss Jarvis's
school.  I've just begun to learn French.  Do you know French?"

"Not enough to hurt me," said Dick.

Ida laughed again, and told him that he was a droll boy.

"Do you like it?" asked Dick.

"I like it pretty well, except the verbs.  I can't remember
them well.  Do you go to school?"

"I'm studying with a private tutor," said Dick.

"Are you?  So is my cousin Dick.  He's going to college
this year.  Are you going to college?"

"Not this year."

"Because, if you did, you know you'd be in the same class with
my cousin.  It would be funny to have two Dicks in one class."

They turned down Twenty-fourth Street, passing the Fifth
Avenue Hotel on the left, and stopped before an elegant house
with a brown stone front.  The bell was rung, and the door
being opened, the boys, somewhat abashed, followed Mr.
Greyson into a handsome hall.  They were told where to hang
their hats, and a moment afterwards were ushered into a
comfortable dining-room, where a table was spread for dinner.

Dick took his seat on the edge of a sofa, and was tempted to
rub his eyes to make sure that he was really awake.  He could
hardly believe that he was a guest in so fine a mansion.

Ida helped to put the boys at their ease.

"Do you like pictures?" she asked.

"Very much," answered Henry.

The little girl brought a book of handsome engravings, and,
seating herself beside Dick, to whom she seemed to have taken
a decided fancy, commenced showing them to him.

"There are the Pyramids of Egypt," she said, pointing to one engraving.

"What are they for?" asked Dick, puzzled.  "I don't see any winders."

"No," said Ida, "I don't believe anybody lives there.  Do they, papa?"

"No, my dear.  They were used for the burial of the dead. 
The largest of them is said to be the loftiest building in the
world with one exception.  The spire of the Cathedral of
Strasburg is twenty-four feet higher, if I remember rightly."

"Is Egypt near here?" asked Dick.

"Oh, no, it's ever so many miles off; about four or five hundred. 
Didn't you know?"

"No," said Dick.  "I never heard."

"You don't appear to be very accurate in your information,
Ida," said her mother.  "Four or five thousand miles would be
considerably nearer the truth."

After a little more conversation they sat down to dinner. 
Dick seated himself in an embarrassed way.  He was very much
afraid of doing or saying something which would be considered
an impropriety, and had the uncomfortable feeling that
everybody was looking at him, and watching his behavior.

"Where do you live, Dick?" asked Ida, familiarly.

"In Mott Street."

"Where is that?"

"More than a mile off."

"Is it a nice street?"

"Not very," said Dick.  "Only poor folks live there."

"Are you poor?"

"Little girls should be seen and not heard," said her mother, gently.

"If you are," said Ida, "I'll give you the five-dollar
gold-piece aunt gave me for a birthday present."

"Dick cannot be called poor, my child," said Mrs. Greyson,
"since he earns his living by his own exertions."

"Do you earn your living?" asked Ida, who was a very
inquisitive young lady, and not easily silenced.  "What do
you do?"

Dick blushed violently.  At such a table, and in presence of
the servant who was standing at that moment behind his chair,
he did not like to say that he was a shoe-black, although
he well knew that there was nothing dishonorable in the
occupation.

Mr. Greyson perceived his feelings, and to spare them, said,
"You are too inquisitive, Ida.  Sometime Dick may tell you,
but you know we don't talk of business on Sundays."

Dick in his embarrassment had swallowed a large spoonful of
hot soup, which made him turn red in the face.  For the
second time, in spite of the prospect of the best dinner he
had ever eaten, he wished himself back in Mott Street.  Henry
Fosdick was more easy and unembarrassed than Dick, not having
led such a vagabond and neglected life.  But it was to Dick
that Ida chiefly directed her conversation, having apparently
taken a fancy to his frank and handsome face.  I believe I
have already said that Dick was a very good-looking boy,
especially now since he kept his face clean.  He had a frank,
honest expression, which generally won its way to the favor
of those with whom he came in contact.

Dick got along pretty well at the table by dint of noticing
how the rest acted, but there was one thing he could not
manage, eating with his fork, which, by the way, he thought a
very singular arrangement.

At length they arose from the table, somewhat to Dick's
relief.  Again Ida devoted herself to the boys, and exhibited
a profusely illustrated Bible for their entertainment. 
Dick was interested in looking at the pictures, though he knew
very little of their subjects.  Henry Fosdick was much better
informed, as might have been expected.

When the boys were about to leave the house with Mr. Greyson
for the Sunday school, Ida placed her hand in Dick's, and
said persuasively.  "You'll come again, Dick, won't you?"

"Thank you," said Dick, "I'd like to," and he could not help
thinking Ida the nicest girl he had ever seen.

"Yes," said Mrs. Greyson, hospitably, "we shall be glad to
see you both here again."

"Thank you very much," said Henry Fosdick, gratefully. 
"We shall like very much to come."

I will not dwell upon the hour spent in Sunday school, nor
upon the remarks of Mr. Greyson to his class.  He found
Dick's ignorance of religious subjects so great that he was
obliged to begin at the beginning with him.  Dick was
interested in hearing the children sing, and readily promised
to come again the next Sunday.

When the service was over Dick and Henry walked homewards. 
Dick could not help letting his thoughts rest on the sweet
little girl who had given him so cordial a welcome, and
hoping that he might meet her again.

"Mr. Greyson is a nice man,--isn't he, Dick?" asked Henry, as
they were turning into Mott Street, and were already in sight
of their lodging-house.

"Ain't he, though?" said Dick.  "He treated us just as if we
were young gentlemen."

"Ida seemed to take a great fancy to you."

"She's a tip-top girl," said Dick, "but she asked so many
questions that I didn't know what to say."

He had scarcely finished speaking, when a stone whizzed by
his head, and, turning quickly, he saw Micky Maguire running
round the corner of the street which they had just passed.

CHAPTER XVIII

MICKY MAGUIRE'S SECOND DEFEAT

Dick was no coward.  Nor was he in the habit of submitting
passively to an insult.  When, therefore, he recognized Micky
as his assailant, he instantly turned and gave chase.  Micky
anticipated pursuit, and ran at his utmost speed.  It is
doubtful if Dick would have overtaken him, but Micky had the
ill luck to trip just as he had entered a narrow alley, and,
falling with some violence, received a sharp blow from the
hard stones, which made him scream with pain.

"Ow!" he whined.  "Don't you hit a feller when he's down."

"What made you fire that stone at me?" demanded our hero,
looking down at the fallen bully.

"Just for fun," said Micky.

"It would have been a very agreeable s'prise if it had hit
me," said Dick.  "S'posin' I fire a rock at you jest for fun."

"Don't!" exclaimed Micky, in alarm.

"It seems you don't like agreeable s'prises," said Dick,
"any more'n the man did what got hooked by a cow one mornin',
before breakfast.  It didn't improve his appetite much."

"I've most broke my arm," said Micky, ruefully, rubbing the
affected limb.

"If it's broke you can't fire no more stones, which is a very
cheerin' reflection," said Dick.  "Ef you haven't money
enough to buy a wooden one I'll lend you a quarter.  There's
one good thing about wooden ones, they ain't liable to get
cold in winter, which is another cheerin' reflection."

"I don't want none of yer cheerin' reflections," said Micky,
sullenly.  "Yer company ain't wanted here."

"Thank you for your polite invitation to leave," said Dick,
bowing ceremoniously.  "I'm willin' to go, but ef you throw any
more stones at me, Micky Maguire, I'll hurt you worse than
the stones did."

The only answer made to this warning was a scowl from his
fallen opponent.  It was quite evident that Dick had the best
of it, and he thought it prudent to say nothing.

"As I've got a friend waitin' outside, I shall have to tear
myself away," said Dick.  "You'd better not throw any more
stones, Micky Maguire, for it don't seem to agree with your
constitution."

Micky muttered something which Dick did not stay to hear. 
He backed out of the alley, keeping a watchful eye on his
fallen foe, and rejoined Henry Fosdick, who was awaiting
his return.

"Who was it, Dick?" he asked.

"A partic'lar friend of mine, Micky Maguire," said Dick. 
"He playfully fired a rock at my head as a mark of his 'fection. 
He loves me like a brother, Micky does."

"Rather a dangerous kind of a friend, I should think,"
said Fosdick.  "He might have killed you."

"I've warned him not to be so 'fectionate another time,"
said Dick.

"I know him," said Henry Fosdick.  "He's at the head of a
gang of boys living at the Five-Points.  He threatened to
whip me once because a gentleman employed me to black his
boots instead of him."

"He's been at the Island two or three times for stealing,"
said Dick.  "I guess he won't touch me again.  He'd rather
get hold of small boys.  If he ever does anything to you,
Fosdick, just let me know, and I'll give him a thrashing."

Dick was right.  Micky Maguire was a bully, and like most
bullies did not fancy tackling boys whose strength was equal
or superior to his own.  Although he hated Dick more than
ever, because he thought our hero was putting on airs, he had
too lively a remembrance of his strength and courage to
venture upon another open attack.  He contented himself,
therefore, whenever he met Dick, with scowling at him. 
Dick took this very philosophically, remarking that,
"if it was soothin' to Micky's feelings, he might go ahead,
as it didn't hurt him much."

It will not be necessary to chronicle the events of the next
few weeks.  A new life had commenced for Dick.  He no longer
haunted the gallery of the Old Bowery; and even Tony Pastor's
hospitable doors had lost their old attractions.  He spent
two hours every evening in study.  His progress was
astonishingly rapid.  He was gifted with a natural quickness;
and he was stimulated by the desire to acquire a fair
education as a means of "growin' up 'spectable," as he termed it. 
Much was due also to the patience and perseverance of
Henry Fosdick, who made a capital teacher.

"You're improving wonderfully, Dick," said his friend, one
evening, when Dick had read an entire paragraph without a mistake.

"Am I?" said Dick, with satisfaction.

"Yes.  If you'll buy a writing-book to-morrow, we can begin
writing to-morrow evening."

"What else do you know, Henry?" asked Dick

"Arithmetic, and geography, and grammar."

"What a lot you know!" said Dick, admiringly.

"I don't _know_ any of them," said Fosdick.  "I've only
studied them.  I wish I knew a great deal more."

"I'll be satisfied when I know as much as you," said Dick.

"It seems a great deal to you now, Dick, but in a few months
you'll think differently.  The more you know, the more you'll
want to know."

"Then there ain't any end to learnin'?" said Dick.

"No."

"Well," said Dick, "I guess I'll be as much as sixty before I
know everything."

"Yes; as old as that, probably," said Fosdick, laughing.

"Anyway, you know too much to be blackin' boots.  Leave that
to ignorant chaps like me."

"You won't be ignorant long, Dick."

"You'd ought to get into some office or countin'-room."

"I wish I could," said Fosdick, earnestly.  "I don't succeed
very well at blacking boots.  You make a great deal more than
I do."

"That's cause I ain't troubled with bashfulness," said Dick. 
"Bashfulness ain't as natural to me as it is to you.  I'm
always on hand, as the cat said to the milk.  You'd better
give up shines, Fosdick, and give your 'tention to mercantile
pursuits."

"I've thought of trying to get a place," said Fosdick; "but
no one would take me with these clothes;" and he directed his
glance to his well-worn suit, which he kept as neat as he
could, but which, in spite of all his care, began to show
decided marks of use.  There was also here and there a stain
of blacking upon it, which, though an advertisement of his
profession, scarcely added to its good appearance.

"I almost wanted to stay at home from Sunday school last
Sunday," he continued, "because I thought everybody would
notice how dirty and worn my clothes had got to be."

"If my clothes wasn't two sizes too big for you," said Dick,
generously, "I'd change.  You'd look as if you'd got into
your great-uncle's suit by mistake."

"You're very kind, Dick, to think of changing," said Fosdick,
"for your suit is much better than mine; but I don't think
that mine would suit you very well.  The pants would show a
little more of your ankles than is the fashion, and you
couldn't eat a very hearty dinner without bursting the
buttons off the vest."

"That wouldn't be very convenient," said Dick.  "I ain't fond
of lacin' to show my elegant figger.  But I say," he added
with a sudden thought, "how much money have we got in the
savings' bank?"

Fosdick took a key from his pocket, and went to the drawer in
which the bank-books were kept, and, opening it, brought them
out for inspection.

It was found that Dick had the sum of eighteen dollars and
ninety cents placed to his credit, while Fosdick had six
dollars and forty-five cents.  To explain the large
difference, it must be remembered that Dick had deposited
five dollars before Henry deposited anything, being the
amount he had received as a gift from Mr. Whitney.

"How much does that make, the lot of it?" asked Dick.  "I
ain't much on figgers yet, you know."

"It makes twenty-five dollars and thirty-five cents, Dick,"
said his companion, who did not understand the thought which
suggested the question.

"Take it, and buy some clothes, Henry," said Dick, shortly.

"What, your money too?"

"In course."

"No, Dick, you are too generous.  I couldn't think of it. 
Almost three-quarters of the money is yours.  You must
spend it on yourself."

"I don't need it," said Dick.

"You may not need it now, but you will some time."

"I shall have some more then."

"That may be; but it wouldn't be fair for me to use your
money, Dick.  I thank you all the same for your kindness."

"Well, I'll lend it to you, then," persisted Dick, "and you
can pay me when you get to be a rich merchant."

"But it isn't likely I ever shall be one."

"How d'you know?  I went to a fortun' teller once, and she
told me I was born under a lucky star with a hard name, and I
should have a rich man for my particular friend, who would
make my fortun'.  I guess you are going to be the rich man."

Fosdick laughed, and steadily refused for some time to avail
himself of Dick's generous proposal; but at length,
perceiving that our hero seemed much disappointed, and would
be really glad if his offer were accepted, he agreed to use
as much as might be needful.

This at once brought back Dick's good-humor, and he entered
with great enthusiasm into his friend's plans.

The next day they withdrew the money from the bank, and, when
business got a little slack, in the afternoon set out in
search of a clothing store.  Dick knew enough of the city to
be able to find a place where a good bargain could be
obtained.  He was determined that Fosdick should have a good
serviceable suit, even if it took all the money they had. 
The result of their search was that for twenty-three dollars
Fosdick obtained a very neat outfit, including a couple of
shirts, a hat, and a pair of shoes, besides a dark mixed
suit, which appeared stout and of good quality.

"Shall I sent the bundle home?" asked the salesman, impressed
by the off-hand manner in which Dick drew out the money in
payment for the clothes.

"Thank you," said Dick, "you're very kind, but I'll take it
home myself, and you can allow me something for my trouble."

"All right," said the clerk, laughing; "I'll allow it on your
next purchase."

Proceeding to their apartment in Mott Street, Fosdick at once
tried on his new suit, and it was found to be an excellent fit. 
Dick surveyed his new friend with much satisfaction.

"You look like a young gentleman of fortun'" he said, "and do
credit to your governor."

"I suppose that means you, Dick," said Fosdick, laughing.

"In course it does."

"You should say _of_ course," said Fosdick, who, in virtue of
his position as Dick's tutor, ventured to correct his
language from time to time.

"How dare you correct your gov'nor?" said Dick, with comic
indignation.  "`I'll cut you off with a shillin', you young dog,'
as the Markis says to his nephew in the play at the Old Bowery."

CHAPTER XIX

FOSDICK CHANGES HIS BUSINESS

Fosdick did not venture to wear his new clothes while engaged
in his business.  This he felt would have been wasteful
extravagance.  About ten o' clock in the morning, when
business slackened, he went home, and dressing himself went
to a hotel where he could see copies of the "Morning Herald"
and "Sun," and, noting down the places where a boy was
wanted, went on a round of applications.  But he found it no
easy thing to obtain a place.  Swarms of boys seemed to be
out of employment, and it was not unusual to find from fifty
to a hundred applicants for a single place.

There was another difficulty.  It was generally desired that
the boy wanted should reside with his parents.  When Fosdick,
on being questioned, revealed the fact of his having no
parents, and being a boy of the street, this was generally
sufficient of itself to insure a refusal.  Merchants were
afraid to trust one who had led such a vagabond life.  Dick,
who was always ready for an emergency, suggested borrowing a
white wig, and passing himself off for Fosdick's father or
grandfather.  But Henry thought this might be rather a
difficult character for our hero to sustain.  After fifty
applications and as many failures, Fosdick began to get
discouraged.  There seemed to be no way out of his present
business, for which he felt unfitted.

"I don't know but I shall have to black boots all my life,"
he said, one day, despondently, to Dick.

"Keep a stiff upper lip," said Dick.  "By the time you get to
be a gray-headed veteran, you may get a chance to run errands
for some big firm on the Bowery, which is a very cheerin'
reflection."

So Dick by his drollery and perpetual good spirits kept up
Fosdick's courage.

"As for me," said Dick, "I expect by that time to lay up a
colossal fortun' out of shines, and live in princely style on
the Avenoo."

But one morning, Fosdick, straying into French's Hotel,
discovered the following advertisement in the columns of "The
Herald,"--

"WANTED--A smart, capable boy to run errands, and make
himself generally useful in a hat and cap store.  Salary
three dollars a week at first.  Inquire at No. -- Broadway,
after ten o'clock, A.M."

He determined to make application, and, as the City Hall
clock just then struck the hour indicated, lost no time in
proceeding to the store, which was only a few blocks distant
from the Astor House.  It was easy to find the store, as from
a dozen to twenty boys were already assembled in front of it. 
They surveyed each other askance, feeling that they were
rivals, and mentally calculating each other's chances.

"There isn't much chance for me," said Fosdick to Dick, who
had accompanied him.  "Look at all these boys.  Most of them
have good homes, I suppose, and good recommendations, while I
have nobody to refer to."

"Go ahead," said Dick.  "Your chance is as good as anybody's."

While this was passing between Dick and his companion, one of
the boys, a rather supercilious-looking young gentleman,
genteelly dressed, and evidently having a very high opinion
of his dress and himself turned suddenly to Dick, and remarked,--

"I've seen you before."

"Oh, have you?" said Dick, whirling round; "then p'r'aps
you'd like to see me behind."

At this unexpected answer all the boys burst into a laugh
with the exception of the questioner, who, evidently,
considered that Dick had been disrespectful.

"I've seen you somewhere," he said, in a surly tone,
correcting himself.

"Most likely you have," said Dick.  "That's where I generally
keep myself."

There was another laugh at the expense of Roswell Crawford,
for that was the name of the young aristocrat.  But he had
his revenge ready.  No boy relishes being an object of
ridicule, and it was with a feeling of satisfaction that he
retorted,--

"I know you for all your impudence.  You're nothing but a
boot-black."

This information took the boys who were standing around by
surprise, for Dick was well-dressed, and had none of the
implements of his profession with him.

"S'pose I be," said Dick.  "Have you got any objection?"

"Not at all," said Roswell, curling his lip; "only you'd
better stick to blacking boots, and not try to get into a store."

"Thank you for your kind advice," said Dick.  "Is it
gratooitous, or do you expect to be paid for it?"

"You're an impudent fellow."

"That's a very cheerin' reflection," said Dick,
good-naturedly.

"Do you expect to get this place when there's gentlemen's
sons applying for it?  A boot-black in a store!  That would
be a good joke."

Boys as well as men are selfish, and, looking upon Dick as a
possible rival, the boys who listened seemed disposed to take
the same view of the situation.

"That's what I say," said one of them, taking sides with Roswell.

"Don't trouble yourselves," said Dick.  "I ain't agoin' to
cut you out.  I can't afford to give up a independent and
loocrative purfession for a salary of three dollars a week."

"Hear him talk!" said Roswell Crawford, with an unpleasant sneer. 
"If you are not trying to get the place, what are you here for?"

"I came with a friend of mine," said Dick, indicating Fosdick,
"who's goin' in for the situation."

"Is he a boot-black, too?" demanded Roswell, superciliously.

"He!" retorted Dick, loftily.  "Didn't you know his father
was a member of Congress, and intimately acquainted with all
the biggest men in the State?"

The boys surveyed Fosdick as if they did not quite know
whether to credit this statement, which, for the credit of
Dick's veracity, it will be observed he did not assert, but
only propounded in the form of a question.  There was no time
for comment, however, as just then the proprietor of the
store came to the door, and, casting his eyes over the waiting
group, singled out Roswell Crawford, and asked him to enter.

"Well, my lad, how old are you?"

"Fourteen years old," said Roswell, consequentially.

"Are your parents living?"

"Only my mother.  My father is dead.  He was a gentleman,"
he added, complacently.

"Oh, was he?" said the shop-keeper.  "Do you live in the city?"

"Yes, sir.  In Clinton Place."

"Have you ever been in a situation before?"

"Yes, sir," said Roswell, a little reluctantly.

"Where was it?"

"In an office on Dey Street."

"How long were you there?"

"A week."

"It seems to me that was a short time.  Why did you not stay longer?"

"Because," said Roswell, loftily, "the man wanted me to get
to the office at eight o'clock, and make the fire.  I'm a
gentleman's son, and am not used to such dirty work."

"Indeed!" said the shop-keeper.  "Well, young gentleman, you
may step aside a few minutes.  I will speak with some of the
other boys before making my selection."

Several other boys were called in and questioned.  Roswell
stood by and listened with an air of complacency.  He could not
help thinking his chances the best.  "The man can see I'm a
gentleman, and will do credit to his store," he thought.

At length it came to Fosdick's turn.  He entered with no very
sanguine anticipations of success.  Unlike Roswell, he set a
very low estimate upon his qualifications when compared with
those of other applicants.  But his modest bearing, and
quiet, gentlemanly manner, entirely free from pretension,
prepossessed the shop-keeper, who was a sensible man,
in his favor.

"Do you reside in the city?" he asked.

"Yes, sir," said Henry.

"What is your age?"

"Twelve."

"Have you ever been in any situation?"

"No, sir."

"I should like to see a specimen of your handwriting. 
Here, take the pen and write your name."

Henry Fosdick had a very handsome handwriting for a boy of
his age, while Roswell, who had submitted to the same test,
could do little more than scrawl.

"Do you reside with your parents?"

"No, sir, they are dead."

"Where do you live, then?"

"In Mott Street."

Roswell curled his lip when this name was pronounced, for
Mott Street, as my New York readers know, is in the immediate
neighborhood of the Five-Points, and very far from a
fashionable locality.

"Have you any testimonials to present?" asked Mr. Henderson,
for that was his name.

Fosdick hesitated.  This was the question which he had
foreseen would give him trouble.

But at this moment it happened most opportunely that Mr.
Greyson entered the shop with the intention of buying a hat.

"Yes," said Fosdick, promptly; "I will refer to this gentleman."

"How do you do, Fosdick?" asked Mr. Greyson, noticing him for
the first time.  "How do you happen to be here?"

"I am applying for a place, sir," said Fosdick.  "May I refer
the gentleman to you?"

"Certainly, I shall be glad to speak a good word for you. 
Mr. Henderson, this is a member of my Sunday-school class, of
whose good qualities and good abilities I can speak confidently."

"That will be sufficient," said the shop-keeper, who knew Mr.
Greyson's high character and position.  "He could have no
better recommendation.  You may come to the store to-morrow
morning at half past seven o'clock.  The pay will be three
dollars a week for the first six months.  If I am satisfied
with you, I shall then raise it to five dollars."

The other boys looked disappointed, but none more so than
Roswell Crawford.  He would have cared less if any one else
had obtained the situation; but for a boy who lived in Mott
Street to be preferred to him, a gentleman's son, he
considered indeed humiliating.  In a spirit of petty spite,
he was tempted to say,

"He's a boot-black.  Ask him if he isn't."

"He's an honest and intelligent lad," said Mr. Greyson. 
"As for you, young man, I only hope you have one-half
his good qualities."

Roswell Crawford left the store in disgust, and the other
unsuccessful applicants with him.

"What luck, Fosdick?" asked Dick, eagerly, as his friend came
out of the store.

"I've got the place," said Fosdick, in accents of satisfaction;
"but it was only because Mr. Greyson spoke up for me."

"He's a trump," said Dick, enthusiastically.

The gentleman, so denominated, came out before the boys went
away, and spoke with them kindly.

Both Dick and Henry were highly pleased at the success of the
application.  The pay would indeed be small, but, expended
economically, Fosdick thought he could get along on it,
receiving his room rent, as before, in return for his
services as Dick's private tutor.  Dick determined, as soon
as his education would permit, to follow his companion's example.

"I don't know as you'll be willin' to room with a boot-black,"
he said, to Henry, "now you're goin' into business."

"I couldn't room with a better friend, Dick," said Fosdick,
affectionately, throwing his arm round our hero.  "When we
part, it'll be because you wish it."

So Fosdick entered upon a new career.

CHAPTER XX

NINE MONTHS LATER

The next morning Fosdick rose early, put on his new suit,
and, after getting breakfast, set out for the Broadway store
in which he had obtained a position.  He left his little
blacking-box in the room.

"It'll do to brush my own shoes," he said.  "Who knows but I
may have to come back to it again?"

"No danger," said Dick; "I'll take care of the feet, and
you'll have to look after the heads, now you're in a
hat-store."

"I wish you had a place too," said Fosdick.

"I don't know enough yet," said Dick.  "Wait till I've gradooated."

"And can put A. B.  after your name."

"What's that?"

"It stands for Bachelor of Arts.  It's a degree that students
get when they graduate from college."

"Oh," said Dick, "I didn't know but it meant A Boot-black.  I
can put that after my name now.  Wouldn't Dick Hunter, A.B.,
sound tip-top?"

"I must be going," said Fosdick.  "It won't do for me to be
late the very first morning."

"That's the difference between you and me," said Dick.  "I'm
my own boss, and there ain't no one to find fault with me if
I'm late.  But I might as well be goin' too.  There's a gent
as comes down to his store pretty early that generally wants
a shine."

The two boys parted at the Park.  Fosdick crossed it, and
proceeded to the hat-store, while Dick, hitching up his
pants, began to look about him for a customer.  It was seldom
that Dick had to wait long.  He was always on the alert, and
if there was any business to do he was always sure to get his
share of it.  He had now a stronger inducement than ever to
attend strictly to business; his little stock of money in the
savings bank having been nearly exhausted by his liberality
to his room-mate.  He determined to be as economical as
possible, and moreover to study as hard as he could, that he
might be able to follow Fosdick's example, and obtain a place
in a store or counting-room.  As there were no striking
incidents occurring in our hero's history within the next
nine months, I propose to pass over that period, and recount
the progress he made in that time.

Fosdick was still at the hat-store, having succeeded in
giving perfect satisfaction to Mr. Henderson.  His wages had
just been raised to five dollars a week.  He and Dick still
kept house together at Mrs. Mooney's lodging-house, and lived
very frugally, so that both were able to save up money.  Dick
had been unusually successful in business.  He had several
regular patrons, who had been drawn to him by his ready wit,
and quick humor, and from two of them he had received
presents of clothing, which had saved him any expense on that
score.  His income had averaged quite seven dollars a week in
addition to this.  Of this amount he was now obliged to pay
one dollar weekly for the room which he and Fosdick occupied,
but he was still able to save one half the remainder.  At the
end of nine months therefore, or thirty-nine weeks, it will
be seen that he had accumulated no less a sum than one
hundred and seventeen dollars.  Dick may be excused for
feeling like a capitalist when he looked at the long row of
deposits in his little bank-book.  There were other boys in
the same business who had earned as much money, but they had
had little care for the future, and spent as they went along,
so that few could boast a bank-account, however small.

"You'll be a rich man some time, Dick," said Henry Fosdick,
one evening."

"And live on Fifth Avenoo," said Dick.

"Perhaps so.  Stranger things have happened."

"Well," said Dick, "if such a misfortin' should come upon me
I should bear it like a man.  When you see a Fifth Avenoo
manshun for sale for a hundred and seventeen dollars, just
let me know and I'll buy it as an investment."

"Two hundred and fifty years ago you might have bought one
for that price, probably.  Real estate wasn't very high among
the Indians."

"Just my luck," said Dick; "I was born too late.  I'd orter
have been an Indian, and lived in splendor on my present capital."

"I'm afraid you'd have found your present business rather
unprofitable at that time."

But Dick had gained something more valuable than money. 
He had studied regularly every evening, and his improvement had
been marvellous.  He could now read well, write a fair hand,
and had studied arithmetic as far as Interest.  Besides this
he had obtained some knowledge of grammar and geography.  If
some of my boy readers, who have been studying for years, and
got no farther than this, should think it incredible that
Dick, in less than a year, and studying evenings only, should
have accomplished it, they must remember that our hero was
very much in earnest in his desire to improve.  He knew that,
in order to grow up respectable, he must be well advanced,
and he was willing to work.  But then the reader must not
forget that Dick was naturally a smart boy.  His street
education had sharpened his faculties, and taught him to rely
upon himself.  He knew that it would take him a long time to
reach the goal which he had set before him, and he had
patience to keep on trying.  He knew that he had only himself
to depend upon, and he determined to make the most of
himself,--a resolution which is the secret of success in
nine cases out of ten.

"Dick," said Fosdick, one evening, after they had completed
their studies, "I think you'll have to get another teacher soon."

"Why?" asked Dick, in some surprise.  "Have you been offered
a more loocrative position?"

"No," said Fosdick, "but I find I have taught you all I know
myself.  You are now as good a scholar as I am."

"Is that true?" said Dick, eagerly, a flush of gratification
coloring his brown cheek.

"Yes," said Fosdick.  "You've made wonderful progress. 
I propose, now that evening schools have begun, that we join
one, and study together through the winter."

"All right," said Dick.  "I'd be willin' to go now; but when
I first began to study I was ashamed to have anybody know
that I was so ignorant.  Do you really mean, Fosdick, that I
know as much as you?"

"Yes, Dick, it's true."

"Then I've got you to thank for it," said Dick, earnestly. 
"You've made me what I am."

"And haven't you paid me, Dick?"

"By payin' the room-rent," said Dick, impulsively.  "What's
that?  It isn't half enough.  I wish you'd take half my
money; you deserve it."

"Thank you, Dick, but you're too generous.  You've more than
paid me.  Who was it took my part when all the other boys
imposed upon me?  And who gave me money to buy clothes, and
so got me my situation?"

"Oh, that's nothing!" said Dick.

"It's a great deal, Dick.  I shall never forget it.  But now
it seems to me you might try to get a situation yourself."

"Do I know enough?"

"You know as much as I do."

"Then I'll try," said Dick, decidedly.

"I wish there was a place in our store," said Fosdick.  "It
would be pleasant for us to be together."

"Never mind," said Dick; "there'll be plenty of other chances. 
P'r'aps A. T. Stewart might like a partner.  I wouldn't ask
more'n a quarter of the profits."

"Which would be a very liberal proposal on your part," said
Fosdick, smiling.  "But perhaps Mr. Stewart might object to a
partner living on Mott Street."

"I'd just as lieves move to Fifth Avenoo," said Dick. 
"I ain't got no prejudices in favor of Mott Street."

"Nor I," said Fosdick, "and in fact I have been thinking it
might be a good plan for us to move as soon as we could
afford.  Mrs. Mooney doesn't keep the room quite so neat as
she might."

"No," said Dick.  "She ain't got no prejudices against dirt. 
Look at that towel."

Dick held up the article indicated, which had now seen
service nearly a week, and hard service at that,--Dick's
avocation causing him to be rather hard on towels.

"Yes," said Fosdick, "I've got about tired of it.  I guess we
can find some better place without having to pay much more. 
When we move, you must let me pay my share of the rent."

"We'll see about that," said Dick.  "Do you propose to move
to Fifth Avenoo?"

"Not just at present, but to some more agreeable neighborhood
than this.  We'll wait till you get a situation, and then we
can decide."

A few days later, as Dick was looking about for customers in
the neighborhood of the Park, his attention was drawn to a
fellow boot-black, a boy about a year younger than himself,
who appeared to have been crying.

"What's the matter, Tom?" asked Dick.  "Haven't you had luck
to-day?"

"Pretty good," said the boy; "but we're havin' hard times at
home.  Mother fell last week and broke her arm, and to-morrow
we've got to pay the rent, and if we don't the landlord says
he'll turn us out."

"Haven't you got anything except what you earn?" asked Dick.

"No," said Tom, "not now.  Mother used to earn three or four
dollars a week; but she can't do nothin' now, and my little
sister and brother are too young."

Dick had quick sympathies.  He had been so poor himself, and
obliged to submit to so many privations that he knew from
personal experience how hard it was.  Tom Wilkins he knew as
an excellent boy who never squandered his money, but
faithfully carried it home to his mother.  In the days of his
own extravagance and shiftlessness he had once or twice asked
Tom to accompany him to the Old Bowery or Tony Pastor's, but
Tom had always steadily refused.

"I'm sorry for you, Tom," he said.  "How much do you owe for rent?"

"Two weeks now," said Tom.

"How much is it a week?"

"Two dollars a week--that makes four."

"Have you got anything towards it?"

"No; I've had to spend all my money for food for mother and
the rest of us.  I've had pretty hard work to do that. 
I don't know what we'll do.  I haven't any place to go to, and
I'm afraid mother'll get cold in her arm."

"Can't you borrow the money somewhere?" asked Dick.

Tom shook his head despondingly.

"All the people I know are as poor as I am," said he. 
"They'd help me if they could, but it's hard work for them to
get along themselves."

"I'll tell you what, Tom," said Dick, impulsively, "I'll
stand your friend."

"Have you got any money?" asked Tom, doubtfully.

"Got any money!" repeated Dick.  "Don't you know that I run a
bank on my own account?  How much is it you need?"

"Four dollars," said Tom.  "If we don't pay that before to-
morrow night, out we go.  You haven't got as much as that,
have you?"

"Here are three dollars," said Dick, drawing out his pocket-
book.  "I'll let you have the rest to-morrow, and maybe a
little more."

"You're a right down good fellow, Dick," said Tom; "but won't
you want it yourself?"

"Oh, I've got some more," said Dick.

"Maybe I'll never be able to pay you."

"S'pose you don't," said Dick; "I guess I won't fail."

"I won't forget it, Dick.  I hope I'll be able to do
somethin' for you sometime."

"All right," said Dick.  "I'd ought to help you.  I haven't
got no mother to look out for.  I wish I had."

There was a tinge of sadness in his tone, as he pronounced
the last four words; but Dick's temperament was sanguine, and
he never gave way to unavailing sadness.  Accordingly he
began to whistle as he turned away, only adding, "I'll see
you to-morrow, Tom."

The three dollars which Dick had handed to Tom Wilkins were
his savings for the present week.  It was now Thursday
afternoon.  His rent, which amounted to a dollar, he
expected to save out of the earnings of Friday and Saturday. 
In order to give Tom the additional assistance he had
promised, Dick would be obliged to have recourse to his
bank-savings.  He would not have ventured to trench upon it
for any other reason but this.  But he felt that it would be
selfish to allow Tom and his mother to suffer when he had it
in his power to relieve them.  But Dick was destined to be
surprised, and that in a disagreeable manner, when he reached home.

CHAPTER XXI

DICK LOSES HIS BANK-BOOK

It was hinted at the close of the last chapter that Dick was
destined to be disagreeably surprised on reaching home.

Having agreed to give further assistance to Tom Wilkins, he
was naturally led to go to the drawer where he and Fosdick
kept their bank-books.  To his surprise and uneasiness _the
drawer proved to be empty!_

"Come here a minute, Fosdick," he said.

"What's the matter, Dick?"

"I can't find my bank-book, nor yours either.  What's `come
of them?"

"I took mine with me this morning, thinking I might want to
put in a little more money.  I've got it in my pocket, now."

"But where's mine?" asked Dick, perplexed.

"I don't know.  I saw it in the drawer when I took mine this morning."

"Are you sure?"

"Yes, positive, for I looked into it to see how much you had got."

"Did you lock it again?" asked Dick.

"Yes; didn't you have to unlock it just now?"

"So I did," said Dick.  "But it's gone now.  Somebody opened
it with a key that fitted the lock, and then locked it ag'in."

"That must have been the way."

"It's rather hard on a feller," said Dick, who, for the first
time since we became acquainted with him, began to feel
downhearted.

"Don't give it up, Dick.  You haven't lost the money, only
the bank-book."

"Ain't that the same thing?"

"No.  You can go to the bank to-morrow morning, as soon as it
opens, and tell them you have lost the book, and ask them not
to pay the money to any one except yourself."

"So I can," said Dick, brightening up.  "That is, if the
thief hasn't been to the bank to-day."

"If he has, they might detect him by his handwriting."

"I'd like to get hold of the one that stole it," said Dick,
indignantly.  "I'd give him a good lickin'."

"It must have been somebody in the house.  Suppose we go and
see Mrs. Mooney.  She may know whether anybody came into our
room to-day."

The two boys went downstairs, and knocked at the door of a
little back sitting-room where Mrs. Mooney generally spent
her evenings.  It was a shabby little room, with a threadbare
carpet on the floor, the walls covered with a certain
large-figured paper, patches of which had been stripped off
here and there, exposing the plaster, the remainder being
defaced by dirt and grease.  But Mrs. Mooney had one of those
comfortable temperaments which are tolerant of dirt, and
didn't mind it in the least.  She was seated beside a small
pine work-table, industriously engaged in mending stockings.

"Good-evening, Mrs. Mooney," said Fosdick, politely.

"Good-evening," said the landlady.  "Sit down, if you can
find chairs.  I'm hard at work as you see, but a poor lone
widder can't afford to be idle."

"We can't stop long, Mrs. Mooney, but my friend here has had
something taken from his room to-day, and we thought we'd
come and see you about it."

"What is it?" asked the landlady.  "You don't think I'd take
anything?  If I am poor, it's an honest name I've always had,
as all my lodgers can testify."

"Certainly not, Mrs. Mooney; but there are others in the
house that may not be honest.  My friend has lost his
bank-book.  It was safe in the drawer this morning, but
tonight it is not to be found."

"How much money was there in it?" asked Mrs. Mooney.

"Over a hundred dollars," said Fosdick.

"It was my whole fortun'," said Dick.  "I was goin' to buy a
house next year."

Mrs. Mooney was evidently surprised to learn the extent of
Dick's wealth, and was disposed to regard him with increased
respect.

"Was the drawer locked?" she asked.

"Yes."

"Then it couldn't have been Bridget.  I don't think she has
any keys."

"She wouldn't know what a bank-book was," said Fosdick.  "You
didn't see any of the lodgers go into our room today, did you?"

"I shouldn't wonder if it was Jim Travis," said Mrs. Mooney, suddenly.

This James Travis was a bar-tender in a low groggery in
Mulberry Street, and had been for a few weeks an inmate of
Mrs. Mooney's lodging-house.  He was a coarse-looking fellow
who, from his appearance, evidently patronized liberally the
liquor he dealt out to others.  He occupied a room opposite
Dick's, and was often heard by the two boys reeling upstairs
in a state of intoxication, uttering shocking oaths.

This Travis had made several friendly overtures to Dick and
his room-mate, and had invited them to call round at the
bar-room where he tended, and take something.  But this
invitation had never been accepted, partly because the boys
were better engaged in the evening, and partly because
neither of them had taken a fancy to Mr. Travis; which
certainly was not strange, for nature had not gifted him with
many charms, either of personal appearance or manners.  The
rejection of his friendly proffers had caused him to take a
dislike to Dick and Henry, whom he considered stiff and unsocial.

"What makes you think it was Travis?" asked Fosdick. 
"He isn't at home in the daytime."

"But he was to-day.  He said he had got a bad cold, and had
to come home for a clean handkerchief."

"Did you see him?" asked Dick.

"Yes," said Mrs. Mooney.  "Bridget was hanging out clothes,
and I went to the door to let him in."

"I wonder if he had a key that would fit our drawer," said Fosdick.

"Yes," said Mrs. Mooney.  "The bureaus in the two rooms
are just alike.  I got 'em at auction, and most likely the
locks is the same."

"It must have been he," said Dick, looking towards Fosdick.

"Yes," said Fosdick, "it looks like it."

"What's to be done?  That's what I'd like to know," said
Dick.  "Of course he'll say he hasn't got it; and he won't be
such a fool as to leave it in his room."

"If he hasn't been to the bank, it's all right," said
Fosdick.  "You can go there the first thing tomorrow morning,
and stop their paying any money on it."

"But I can't get any money on it myself," said Dick.  "I told
Tom Wilkins I'd let him have some more money tomorrow, or his
sick mother'll have to turn out of their lodgin's."

"How much money were you going to give him?"

"I gave him three dollars to-day, and was goin' to give him
two dollars tomorrow."

"I've got the money, Dick.  I didn't go to the bank this morning."

"All right.  I'll take it, and pay you back next week."

"No, Dick; if you've given three dollars, you must let me
give two."

"No, Fosdick, I'd rather give the whole.  You know I've got
more money than you.  No, I haven't, either," said Dick, the
memory of his loss flashing upon him.  "I thought I was rich
this morning, but now I'm in destitoot circumstances."

"Cheer up, Dick; you'll get your money back."

"I hope so," said our hero, rather ruefully.

The fact was, that our friend Dick was beginning to feel what
is so often experienced by men who do business of a more
important character and on a larger scale than he, the
bitterness of a reverse of circumstances.  With one hundred
dollars and over carefully laid away in the savings bank, he
had felt quite independent.  Wealth is comparative, and Dick
probably felt as rich as many men who are worth a hundred
thousand dollars.  He was beginning to feel the advantages of
his steady self-denial, and to experience the pleasures of
property.  Not that Dick was likely to be unduly attached to
money.  Let it be said to his credit that it had never given
him so much satisfaction as when it enabled him to help Tom
Wilkins in his trouble.

Besides this, there was another thought that troubled him. 
When he obtained a place he could not expect to receive as
much as he was now making from blacking boots,--probably not
more than three dollars a week,--while his expenses without
clothing would amount to four dollars.  To make up the
deficiency he had confidently relied upon his savings, which
would be sufficient to carry him along for a year, if necessary. 
If he should not recover his money, he would be compelled
to continue a boot-black for at least six months longer;
and this was rather a discouraging reflection.  On the whole
it is not to be wondered at that Dick felt unusually sober this
evening, and that neither of the boys felt much like studying.

The two boys consulted as to whether it would be best to
speak to Travis about it.  It was not altogether easy to
decide.  Fosdick was opposed to it.

"It will only put him on his guard," said he, "and I don't
see as it will do any good.  Of course he will deny it. 
We'd better keep quiet, and watch him, and, by giving notice
at the bank, we can make sure that he doesn't get any money
on it.  If he does present himself at the bank, they will know
at once that he is a thief, and he can be arrested."

This view seemed reasonable, and Dick resolved to adopt it. 
On the whole, he began to think prospects were brighter than
he had at first supposed, and his spirits rose a little.

"How'd he know I had any bank-book?  That's what I can't make
out," he said.

"Don't you remember?" said Fosdick, after a moment's thought,
"we were speaking of our savings, two or three evenings since?"

"Yes," said Dick.

"Our door was a little open at the time, and I heard somebody
come upstairs, and stop a minute in front of it.  It must
have been Jim Travis.  In that way he probably found out
about your money, and took the opportunity to-day to get hold
of it."

This might or might not be the correct explanation.  At all
events it seemed probable.

The boys were just on the point of going to bed, later in the
evening, when a knock was heard at the door, and, to their no
little surprise, their neighbor, Jim Travis, proved to be the
caller.  He was a sallow-complexioned young man, with dark
hair and bloodshot eyes.

He darted a quick glance from one to the other as he entered,
which did not escape the boys' notice.

"How are ye, to-night?" he said, sinking into one of the two
chairs with which the room was scantily furnished.

"Jolly," said Dick.  "How are you?"

"Tired as a dog," was the reply.  "Hard work and poor pay;
that's the way with me.  I wanted to go to the theater,
to-night, but I was hard up, and couldn't raise the cash."

Here he darted another quick glance at the boys; but neither
betrayed anything.

"You don't go out much, do you?" he said

"Not much," said Fosdick.  "We spend our evenings in study."

"That's precious slow," said Travis, rather contemptuously. 
"What's the use of studying so much?  You don't expect to be
a lawyer, do you, or anything of that sort?"

"Maybe," said Dick.  "I haven't made up my mind yet.  If my
feller-citizens should want me to go to Congress some time, I
shouldn't want to disapp'int 'em; and then readin' and
writin' might come handy."

"Well," said Travis, rather abruptly, "I'm tired and I guess
I'll turn in."

"Good-night," said Fosdick.

The boys looked at each other as their visitor left the room.

"He came in to see if we'd missed the bank-book," said Dick.

"And to turn off suspicion from himself, by letting us know
he had no money," added Fosdick.

"That's so," said Dick.  "I'd like to have searched them
pockets of his."

CHAPTER XXII

TRACKING THE THlEF

Fosdick was right in supposing that Jim Travis had stolen the
bank-book.  He was also right in supposing that that worthy
young man had come to the knowledge of Dick's savings by what
he had accidentally overheard.  Now, Travis, like a very
large number of young men of his class, was able to dispose
of a larger amount of money than he was able to earn. 
Moreover, he had no great fancy for work at all, and would
have been glad to find some other way of obtaining money
enough to pay his expenses.  He had recently received a
letter from an old companion, who had strayed out to
California, and going at once to the mines had been lucky
enough to get possession of a very remunerative claim. 
He wrote to Travis that he had already realized two
thousand dollars from it, and expected to make his fortune
within six months.

Two thousand dollars!  This seemed to Travis a very large
sum, and quite dazzled his imagination.  He was at once
inflamed with the desire to go out to California and try
his luck.  In his present situation he only received thirty
dollars a month, which was probably all that his services
were worth, but went a very little way towards gratifying his
expensive tastes.  Accordingly he determined to take the next
steamer to the land of gold, if he could possibly manage to
get money enough to pay the passage.

The price of a steerage passage at that time was seventy-five
dollars,--not a large sum, certainly,--but it might as well
have been seventy-five hundred for any chance James Travis
had of raising the amount at present.  His available funds
consisted of precisely two dollars and a quarter; of which
sum, one dollar and a half was due to his washerwoman.  This,
however, would not have troubled Travis much, and he would
conveniently have forgotten all about it; but, even leaving
this debt unpaid, the sum at his command would not help him
materially towards paying his passage money.

Travis applied for help to two or three of his companions;
but they were all of that kind who never keep an account
with savings banks, but carry all their spare cash about with
them.  One of these friends offered to lend him thirty-seven
cents, and another a dollar; but neither of these offers
seemed to encourage him much.  He was about giving up his
project in despair, when he learned, accidentally, as we have
already said, the extent of Dick's savings.

One hundred and seventeen dollars!  Why, that would not only
pay his passage, but carry him up to the mines, after he had
arrived in San Francisco.  He could not help thinking it
over, and the result of this thinking was that he determined
to borrow it of Dick without leave.  Knowing that neither of
the boys were in their room in the daytime, he came back in
the course of the morning, and, being admitted by Mrs. Mooney
herself, said, by way of accounting for his presence, that he
had a cold, and had come back for a handkerchief.  The landlady
suspected nothing, and, returning at once to her work in the
kitchen, left the coast clear.

Travis at once entered Dick's room, and, as there seemed to
be no other place for depositing money, tried the bureau-
drawers.  They were all readily opened, except one, which
proved to be locked.  This he naturally concluded must
contain the money, and going back to his own chamber for the
key of the bureau, tried it on his return, and found to his
satisfaction that it would fit.  When he discovered the
bank-book, his joy was mingled with disappointment.  He had
expected to find bank-bills instead.  This would have saved
all further trouble, and would have been immediately
available.  Obtaining money at the savings bank would
involve fresh risk.  Travis hesitated whether to take it or
not; but finally decided that it would be worth the trouble
and hazard.

He accordingly slipped the book into his pocket, locked the
drawer again, and, forgetting all about the handkerchief for
which he had come home went downstairs, and into the street.

There would have been time to go to the savings bank that
day, but Travis had already been absent from his place of
business some time, and did not venture to take the
additional time required.  Besides, not being very much used
to savings banks, never having had occasion to use them, he
thought it would be more prudent to look over the rules and
regulations, and see if he could not get some information as
to the way he ought to proceed.  So the day passed, and
Dick's money was left in safety at the bank.

In the evening, it occurred to Travis that it might be well
to find out whether Dick had discovered his loss.  This
reflection it was that induced the visit which is recorded at
the close of the last chapter.  The result was that he was
misled by the boys' silence on the subject, and concluded
that nothing had yet been discovered.

"Good!" thought Travis, with satisfaction.  "If they don't
find out for twenty-four hours, it'll be too late, then, and
I shall be all right."

There being a possibility of the loss being discovered before
the boys went out in the morning, Travis determined to see
them at that time, and judge whether such was the case.  He
waited, therefore, until he heard the boys come out, and then
opened his own door.

"Morning, gents," said he, sociably.  "Going to business?"

"Yes," said Dick.  "I'm afraid my clerks'll be lazy if I
ain't on hand."

"Good joke!" said Travis.  "If you pay good wages, I'd like
to speak for a place."

"I pay all I get myself," said Dick.  "How's business with you?"

"So so.  Why don't you call round, some time?"

"All my evenin's is devoted to literatoor and science," said
Dick.  "Thank you all the same."

"Where do you hang out?" inquired Travis, in choice language,
addressing Fosdick.

"At Henderson's hat and cap store, on Broadway."

"I'll look in upon you some time when I want a tile," said
Travis.  "I suppose you sell cheaper to your friends."

"I'll be as reasonable as I can," said Fosdick, not very
cordially; for he did not much fancy having it supposed by
his employer that such a disreputable-looking person as
Travis was a friend of his.

However, Travis had no idea of showing himself at the
Broadway store, and only said this by way of making
conversation, and encouraging the boys to be social.

"You haven't any of you gents seen a pearl-handled knife,
have you?" he asked.

"No," said Fosdick; "have you lost one?"

"Yes," said Travis, with unblushing falsehood.  "I left it on
my bureau a day or two since.  I've missed one or two other
little matters.  Bridget don't look to me any too honest. 
Likely she's got 'em."

"What are you goin' to do about it?" said Dick.

"I'll keep mum unless I lose something more, and then I'll
kick up a row, and haul her over the coals.  Have you missed
anything?"

"No," said Fosdick, answering for himself, as he could do
without violating the truth.

There was a gleam of satisfaction in the eyes of Travis, as
he heard this.

"They haven't found it out yet," he thought.  "I'll bag the
money to-day, and then they may whistle for it."

Having no further object to serve in accompanying the boys,
he bade them good-morning, and turned down another street.

"He's mighty friendly all of a sudden," said Dick.

"Yes," said Fosdick; "it's very evident what it all means. 
He wants to find out whether you have discovered your loss or not."

"But he didn't find out."

"No; we've put him on the wrong track.  He means to get his
money to-day, no doubt."

"My money," suggested Dick.

"I accept the correction," said Fosdick.

"Of course, Dick, you'll be on hand as soon as the bank opens."

"In course I shall.  Jim Travis'll find he's walked into the
wrong shop."

"The bank opens at ten o'clock, you know."

"I'll be there on time."

The two boys separated.

"Good luck, Dick," said Fosdick, as he parted from him. 
"It'll all come out right, I think."

"I hope 'twill," said Dick.

He had recovered from his temporary depression, and made up
his mind that the money would be recovered.  He had no idea
of allowing himself to be outwitted by Jim Travis, and enjoyed
already, in anticipation, the pleasure of defeating his rascality.

It wanted two hours and a half yet to ten o'clock, and this
time to Dick was too precious to be wasted.  It was the time
of his greatest harvest.  He accordingly repaired to his
usual place of business, succeeded in obtaining six
customers, which yielded him sixty cents.  He then went to a
restaurant, and got some breakfast.  It was now half-past
nine, and Dick, feeling that it wouldn't do to be late, left
his box in charge of Johnny Nolan, and made his way to the bank.

The officers had not yet arrived, and Dick lingered on the
outside, waiting till they should come.  He was not without a
little uneasiness, fearing that Travis might be as prompt as
himself, and finding him there, might suspect something, and
so escape the snare.  But, though looking cautiously up and
down the street, he could discover no traces of the supposed
thief.  In due time ten o'clock struck, and immediately
afterwards the doors of the bank were thrown open, and our
hero entered.

As Dick had been in the habit of making a weekly visit for
the last nine months, the cashier had come to know him by sight.

"You're early, this morning, my lad," he said, pleasantly. 
"Have you got some more money to deposit?  You'll be getting
rich, soon."

"I don't know about that," said Dick.  "My bank-book's been stole."

"Stolen!" echoed the cashier.  "That's unfortunate.  Not so
bad as it might be, though.  The thief can't collect the money."

"That's what I came to see about," said Dick.  "I was afraid
he might have got it already."

"He hasn't been here yet.  Even if he had, I remember you,
and should have detected him.  When was it taken?"

"Yesterday," said Dick.  "I missed it in the evenin' when I
got home."

"Have you any suspicion as to the person who took it?" asked
the cashier.

Dick thereupon told all he knew as to the general character
and suspicious conduct of Jim Travis, and the cashier agreed
with him that he was probably the thief.  Dick also gave his
reason for thinking that he would visit the bank that morning,
to withdraw the funds.

"Very good," said the cashier.  "We'll be ready for him. 
What is the number of your book?"

"No.  5,678," said Dick.

"Now give me a litttle description of this Travis whom you suspect."

Dick accordingly furnished a brief outline sketch of Travis,
not particularly complimentary to the latter.

"That will answer.  I think I shall know him," said the
cashier.  "You may depend upon it that he shall receive no
money on your account."

"Thank you," said Dick.

Considerably relieved in mind, our hero turned towards the
door, thinking that there would be nothing gained by his
remaining longer, while he would of course lose time.

He had just reached the doors, which were of glass, when
through them he perceived James Travis himself just crossing
the street, and apparently coming towards the bank.  It would
not do, of course, for him to be seen.

"Here he is," he exclaimed, hurrying back.  "Can't you hide
me somewhere?  I don't want to be seen."

The cashier understood at once how the land lay.  He quickly
opened a little door, and admitted Dick behind the counter.

"Stoop down," he said, "so as not to be seen."

Dick had hardly done so when Jim Travis opened the outer
door, and, looking about him in a little uncertainty, walked
up to the cashier' s desk.

CHAPTER XXIII

TRAVIS lS ARRESTED

Jim Travis advanced into the bank with a doubtful step,
knowing well that he was on a dishonest errand, and heartily
wishing that he were well out of it.  After a little
hesitation, he approached the paying-teller, and, exhibiting
the bank-book, said, "I want to get my money out."

The bank-officer took the book, and, after looking at it a
moment, said, "How much do you want?"

"The whole of it," said Travis.

"You can draw out any part of it, but to draw out the whole
requires a week's notice."

"Then I'll take a hundred dollars."

"Are you the person to whom the book belongs?"

"Yes, sir," said Travis, without hesitation.

"Your name is--"

"Hunter."

The bank-clerk went to a large folio volume, containing the
names of depositors, and began to turn over the leaves. 
While he was doing this, he managed to send out a young man
connected with the bank for a policeman.  Travis did not
perceive this, or did not suspect that it had anything to do
with himself.  Not being used to savings banks, he supposed
the delay only what was usual.  After a search, which was
only intended to gain time that a policeman might be
summoned, the cashier came back, and, sliding out a piece of
paper to Travis, said, "It will be necessary for you to
write an order for the money."

Travis took a pen, which he found on the ledge outside, and
wrote the order, signing his name "Dick Hunter," having
observed that name on the outside of the book.

"Your name is Dick Hunter, then?" said the cashier, taking
the paper, and looking at the thief over his spectacles.

"Yes," said Travis, promptly.

"But," continued the cashier, "I find Hunter's age is put
down on the bank-book as fourteen.  Surely you must be more
than that."

Travis would gladly have declared that he was only fourteen;
but, being in reality twenty-three, and possessing a
luxuriant pair of whiskers, this was not to be thought of. 
He began to feel uneasy.

"Dick Hunter's my younger brother," he said.  "I'm getting
out the money for him."

"I thought you said your own name was Dick Hunter," said the cashier.

"I said my name was Hunter," said Travis, ingeniously. 
"I didn't understand you."

"But you've signed the name of Dick Hunter to this order. 
How is that?" questioned the troublesome cashier.

Travis saw that he was getting himself into a tight place;
but his self-possession did not desert him.

"I thought I must give my brother's name," he answered.

"What is your own name?"

"Henry Hunter."

"Can you bring any one to testify that the statement you are
making is correct?"

"Yes, a dozen if you like," said Travis, boldly.  "Give me
the book, and I'll come back this afternoon.  I didn't think
there'd be such a fuss about getting out a little money."

"Wait a moment.  Why don't your brother come himself?"

"Because he's sick.  He's down with the measles," said Travis.

Here the cashier signed to Dick to rise and show himself. 
Our hero accordingly did so.

"You will be glad to find that he has recovered," said the
cashier, pointing to Dick.

With an exclamation of anger and dismay, Travis, who saw the
game was up, started for the door, feeling that safety made
such a course prudent.  But he was too late.  He found
himself confronted by a burly policeman, who seized him by
the arm, saying, "Not so fast, my man.  I want you."

"Let me go," exclaimed Travis, struggling to free himself.

"I'm sorry I can't oblige you," said the officer.  "You'd
better not make a fuss, or I may have to hurt you a little."

Travis sullenly resigned himself to his fate, darting a look
of rage at Dick, whom he considered the author of his present
misfortune.

"This is your book," said the cashier, handing back his
rightful property to our hero.  "Do you wish to draw out
any money?"

"Two dollars," said Dick.

"Very well.  Write an order for the amount."

Before doing so, Dick, who now that he saw Travis in the
power of the law began to pity him, went up to the officer,
and said,--

"Won't you let him go?  I've got my bank-book back, and I
don't want anything done to him."

"Sorry I can't oblige you," said the officer; "but I'm not
allowed to do it.  He'll have to stand his trial."

"I'm sorry for you, Travis," said Dick.  "I didn't want you
arrested.  I only wanted my bank-book back."

"Curse you!" said Travis, scowling vindictively.  "Wait till
I get free.  See if I don't fix you."

"You needn't pity him too much," said the officer.  "I know
him now.  He's been to the Island before."

"It's a lie," said Travis, violently.

"Don't be too noisy, my friend," said the officer. 
"If you've got no more business here, we'll be going."

He withdrew with the prisoner in charge, and Dick, having
drawn his two dollars, left the bank.  Notwithstanding the
violent words the prisoner had used towards himself, and his
attempted robbery, he could not help feeling sorry that he
had been instrumental in causing his arrest.

"I'll keep my book a little safer hereafter," thought Dick. 
"Now I must go and see Tom Wilkins."

Before dismissing the subject of Travis and his theft, it may
be remarked that he was duly tried, and, his guilt being
clear, was sent to Blackwell's Island for nine months.  At
the end of that time, on his release, he got a chance to work
his passage on a ship to San Francisco, where he probably
arrived in due time.  At any rate, nothing more has been
heard of him, and probably his threat of vengence against
Dick will never be carried into effect.

Returning to the City Hall Park, Dick soon fell in with Tom Wilkins.

"How are you, Tom?" he said.  "How's your mother?"

"She's better, Dick, thank you.  She felt worried about bein'
turned out into the street; but I gave her that money from
you, and now she feels a good deal easier."

"I've got some more for you, Tom," said Dick, producing a
two-dollar bill from his pocket.

"I ought not to take it from you, Dick."

"Oh, it's all right, Tom.  Don't be afraid."

"But you may need it yourself."

"There's plenty more where that came from."

"Any way, one dollar will be enough.  With that we can pay
the rent."

"You'll want the other to buy something to eat."

"You're very kind, Dick."

"I'd ought to be.  I've only got myself to take care of."

"Well, I'll take it for my mother's sake.  When you want
anything done just call on Tom Wilkins."

"All right.  Next week, if your mother doesn't get better,
I'll give you some more."

Tom thanked our hero very gratefully, and Dick walked away,
feeling the self-approval which always accompanies a generous
and disinterested action.  He was generous by nature, and,
before the period at which he is introduced to the reader's
notice, he frequently treated his friends to cigars and
oyster-stews.  Sometimes he invited them to accompany him to
the theatre at his expense.  But he never derived from these
acts of liberality the same degree of satisfaction as from
this timely gift to Tom Wilkins.  He felt that his money was
well bestowed, and would save an entire family from privation
and discomfort.  Five dollars would, to be sure, make
something of a difference in the mount of his savings. 
It was more than he was able to save up in a week.  But Dick
felt fully repaid for what he had done, and he felt prepared
to give as much more, if Tom's mother should continue to be
sick, and should appear to him to need it.

Besides all this, Dick felt a justifiable pride in his
financial ability to afford so handsome a gift.  A year
before, however much he might have desired to give, it would
have been quite out of his power to give five dollars.  His
cash balance never reached that amount.  It was seldom,
indeed, that it equalled one dollar.  In more ways than one
Dick was beginning to reap the advantage of his self-denial
and judicious economy.

It will be remembered that when Mr. Whitney at parting with
Dick presented him with five dollars, he told him that he
might repay it to some other boy who was struggling upward. 
Dick thought of this, and it occurred to him that after all
he was only paying up an old debt.

When Fosdick came home in the evening, Dick announced his
success in recovering his lost money, and described the
manner it had been brought about.

"You're in luck," said Fosdick.  "I guess we'd better not
trust the bureau-drawer again."

"I mean to carry my book round with me," said Dick.

"So shall I, as long as we stay at Mrs. Mooney's.  I wish we
were in a better place."

"I must go down and tell her she needn't expect Travis back. 
Poor chap, I pity him!"

Travis was never more seen in Mrs. Mooney's establishment. 
He was owing that lady for a fortnight's rent of his room,
which prevented her feeling much compassion for him.  The
room was soon after let to a more creditable tenant who
proved a less troublesome neighbor than his predecessor.

CHAPTER XXIV

DICK RECEIVES A LETTER

It was about a week after Dick's recovery of his bank-book,
that Fosdick brought home with him in the evening a copy of
the "Daily Sun."

"Would you like to see your name in print, Dick?" he asked.

"Yes," said Dick, who was busy at the wash-stand, endeavoring
to efface the marks which his day's work had left upon his hands. 
"They haven't put me up for mayor, have they?  'Cause if they
have, I shan't accept.  It would interfere too much
with my private business."

"No," said Fosdick, "they haven't put you up for office yet,
though that may happen sometime.  But if you want to see your
name in print, here it is."

Dick was rather incredulous, but, having dried his hands on
the towel, took the paper, and following the directions of
Fosdick's finger, observed in the list of advertised letters
the name of "RAGGED DICK."

"By gracious, so it is," said he.  "Do you s'poseit means me?"

"I don't know of any other Ragged Dick,--do you?"

"No," said Dick, reflectively; "it must be me.  But I don't
know of anybody that would be likely to write to me."

"Perhaps it is Frank Whitney," suggested Fosdick, after a
little reflection.  "Didn't he promise to write to you?"

"Yes," said Dick, "and he wanted me to write to him."

"Where is he now?"

"He was going to a boarding-school in Connecticut, he said. 
The name of the town was Barnton."

"Very likely the letter is from him."

"I hope it is.  Frank was a tip-top boy, and he was the first
that made me ashamed of bein' so ignorant and dirty."

"You had better go to the post-office to-morrow morning, and
ask for the letter."

"P'r'aps they won't give it to me."

"Suppose you wear the old clothes you used to a year ago,
when Frank first saw you?  They won't have any doubt of your
being Ragged Dick then."

"I guess I will.  I'll be sort of ashamed to be seen in 'em
though," said Dick, who had considerable more pride in a neat
personal appearance than when we were first introduced to him.

"It will be only for one day, or one morning," said Fosdick.

"I'd do more'n that for the sake of gettin' a letter from
Frank.  I'd like to see him."

The next morning, in accordance with the suggestion of
Fosdick, Dick arrayed himself in the long disused Washington
coat and Napoleon pants, which he had carefully preserved,
for what reason he could hardly explain.

When fairly equipped, Dick surveyed himself in the mirror,--
if the little seven-by-nine-inch looking-glass, with which
the room was furnished, deserved the name.  The result of the
survey was not on the whole a pleasing one.  To tell the
truth, Dick was quite ashamed of his appearance, and, on
opening the chamber-door, looked around to see that the
coast was clear, not being willing to have any of his
fellow-boarders see him in his present attire

He managed to slip out into the street unobserved, and, after
attending to two or three regular customers who came
down-town early in the morning, he made his way down Nassau
Street to the post-office.  He passed along until he came to
a compartment on which he read ADVERTISED LETTERS, and,
stepping up to the little window, said,--

"There's a letter for me.  I saw it advertised in the `Sun'
yesterday."

"What name?" demanded the clerk.

"Ragged Dick," answered our hero.

"That's a queer name," said the clerk, surveying him a little
curiously.  "Are you Ragged Dick?"

"If you don't believe me, look at my clo'es," said Dick.

"That's pretty good proof, certainly," said the clerk,
laughing.  "If that isn't your name, it deserves to be."

"I believe in dressin' up to your name," said Dick.

"Do you know any one in Barnton, Connecticut?" asked the
clerk, who had by this time found the letter.

"Yes," said Dick.  "I know a chap that's at boardin'-school there."

"It appears to be in a boy's hand.  I think it must be yours."

The letter was handed to Dick through the window.  He received
it eagerly, and drawing back so as not to be in the way of
the throng who were constantly applying for letters,
or slipping them into the boxes provided for them, hastily
opened it, and began to read.  As the reader may be
interested in the contents of the letter as well as Dick, we
transcribe it below.

It was dated Barnton, Conn., and commenced thus,--

"DEAR DICK,--You must excuse my addressing this letter to
`Ragged Dick'; but the fact is, I don't know what your last
name is, nor where you live.  I am afraid there is not much
chance of your getting this letter; but I hope you will. 
I have thought of you very often, and wondered how you were
getting along, and I should have written to you before if I
had known where to direct.

"Let me tell you a little about myself.  Barnton is a very
pretty country town, only about six miles from Hartford.  The
boarding-school which I attend is under the charge of Ezekiel
Munroe, A.M.  He is a man of about fifty, a graduate of Yale
College, and has always been a teacher.  It is a large
two-story house, with an addition containing a good many
small bed-chambers for the boys.  There are about twenty of
us, and there is one assistant teacher who teaches the
English branches.  Mr. Munroe, or Old Zeke, as we call him
behind his back, teaches Latin and Greek.  I am studying both
these languages, because father wants me to go to college.

"But you won't be interested in hearing about our studies. 
I will tell you how we amuse ourselves.  There are about fifty
acres of land belonging to Mr. Munroe; so that we have plenty
of room for play.  About a quarter of a mile from the house
there is a good-sized pond.  There is a large, round-bottomed
boat, which is stout and strong.  Every Wednesday and
Saturday afternoon, when the weather is good, we go out
rowing on the pond.  Mr.Barton, the assistant teacher, goes
with us, to look after us.  In the summer we are allowed to
go in bathing.  In the winter there is splendid skating on
the pond.

"Besides this, we play ball a good deal, and we have various
other plays.  So we have a pretty good time, although we
study pretty hard too.  I am getting on very well in my studies. 
Father has not decided yet where he will send me to college.

"I wish you were here, Dick.  I should enjoy your company,
and besides I should like to feel that you were getting an
education.  I think you are naturally a pretty smart boy; but
I suppose, as you have to earn your own living, you don't
get much chance to learn.  I only wish I had a few hundred
dollars of my own.  I would have you come up here, and attend
school with us.  If I ever have a chance to help you in any
way, you may be sure that I will.

"I shall have to wind up my letter now, as I have to hand in
a composition to-morrow, on the life and character of
Washington.  I might say that I have a friend who wears a
coat that once belonged to the general.  But I suppose that
coat must be worn out by this time.  I don't much like
writing compositions.  I would a good deal rather write letters.

"I have written a longer letter than I meant to.  I hope you
will get it, though I am afraid not.  If you do, you must be
sure to answer it, as soon as possible.  You needn't mind if
your writing does look like `hens-tracks,' as you told me once.

"Good-by, Dick.  You must always think of me, as your very
true friend,
                                         "FRANK WHITNEY."

Dick read this letter with much satisfaction.  It is always
pleasant to be remembered, and Dick had so few friends that
it was more to him than to boys who are better provided. 
Again, he felt a new sense of importance in having a letter
addressed to him.  It was the first letter he had ever
received.  If it had been sent to him a year before, he would
not have been able to read it.  But now, thanks to Fosdick's
instructions, he could not only read writing, but he could
write a very good hand himself.

There was one passage in the letter which pleased Dick.  It
was where Frank said that if he had the money he would pav
for his education himself.

"He's a tip-top feller," said Dick.  "I wish I could see him ag'in."

There were two reasons why Dick would like to have seen Frank. 
One was, the natural pleasure he would have in meeting a friend;
but he felt also that he would like to have Frank witness the
improvement he had made in his studies and mode of life.

"He'd find me a little more 'spectable than when he first saw
me," thought Dick.

Dick had by this time got up to Printing House Square. 
Standing on Spruce Street, near the "Tribune" office, was his
old enemy, Micky Maguire.

It has already been said that Micky felt a natural enmity
towards those in his own condition in life who wore better
clothes than himself.  For the last nine months, Dick's neat
appearance had excited the ire of the young Philistine.  To
appear in neat attire and with a clean face Micky felt was a
piece of presumption, and an assumption of superiority on the
part of our hero, and he termed it "tryin' to be a swell."

Now his astonished eyes rested on Dick in his ancient attire,
which was very similar to his own.  It was a moment of
triumph to him.  He felt that "pride had had a fall," and he
could not forbear reminding Dick of it.

"Them's nice clo'es you've got on," said he, sarcastically,
as Dick came up.

"Yes," said Dick, promptly.  "I've been employin' your tailor. 
If my face was only dirty we'd be taken for twin brothers."

"So you've give up tryin' to be a swell?"

"Only for this partic'lar occasion," said Dick.  "I wanted to
make a fashionable call, so I put on my regimentals."

"I don't b'lieve you've got any better clo'es," said Micky.

"All right," said Dick, "I won't charge you nothin' for what
you believe."

Here a customer presented himself for Micky, and Dick went
back to his room to change his clothes, before resuming business.

CHAPTER XXV

DICK WRITES HIS FIRST LETTER

When Fosdick reached home in the evening, Dick displayed his
letter with some pride.

"It's a nice letter," said Fosdick, after reading it "I
should like to know Frank."

"I'll bet you would," said Dick.  "He's a trump."

"When are you going to answer it?"

"I don't know," said Dick, dubiously.  "I never writ a letter."

"That's no reason why you shouldn't.  There's always a first
time, you know."

"I don't know what to say," said Dick.

"Get some paper and sit down to it, and you'll find enough
to say.  You can do that this evening instead of studying."

"If you'll look it over afterwards, and shine it up a little."

"Yes, if it needs it; but I rather think Frank would like it
best just as you wrote it."

Dick decided to adopt Fosdick's suggestion.  He had very
serious doubts as to his ability to write a letter.  Like a
good many other boys, he looked upon it as a very serious
job, not reflecting that, after all, letter-writing is
nothing but talking upon paper.  Still, in spite of his
misgivings, he felt that the letter ought to be answered, and
he wished Frank to hear from him.  After various
preparations, he at last got setttled down to his task, and,
before the evening was over, a letter was written.  As the
first letter which Dick had ever produced, and because it
was characteristic of him, my readers may like to read it.

Here it is,--

"DEAR FRANK,--I got your letter this mornin', and was very
glad to hear you hadn't forgotten Ragged Dick.  I ain't so
ragged as I was.  Openwork coats and trowsers has gone out of
fashion.  I put on the Washington coat and Napoleon pants to
go to the post-office, for fear they wouldn't think I was the
boy that was meant.  On my way back I received the
congratulations of my intimate friend, Micky Maguire, on my
improved appearance.

"I've give up sleepin' in boxes, and old wagons, findin' it
didn't agree with my constitution.  I've hired a room in Mott
Street, and have got a private tooter, who rooms with me and
looks after my studies in the evenin'.  Mott Street ain't very
fashionable; but my manshun on Fifth Avenoo isn't finished
yet, and I'm afraid it won't be till I'm a gray-haired
veteran.  I've got a hundred dollars towards it, which I've
saved up from my earnin's.  I haven't forgot what you and
your uncle said to me, and I'm tryin' to grow up 'spectable. 
I haven't been to Tony Pastor's, or the Old Bowery, for ever
so long.  I'd rather save up my money to support me in my old
age.  When my hair gets gray, I'm goin' to knock off blackin'
boots, and go into some light, genteel employment, such as
keepin' an apple-stand, or disseminatin' pea-nuts among the people.

"I've got so as to read pretty well, so my tooter says.  I've
been studyin' geography and grammar also.  I've made such
astonishin' progress that I can tell a noun from a
conjunction as far away as I can see 'em.  Tell Mr. Munroe
that if he wants an accomplished teacher in his school, he
can send for me, and I'll come on by the very next train. 
Or, if he wants to sell out for a hundred dollars, I'll buy
the whole concern, and agree to teach the scholars all I know
myself in less than six months.  Is teachin' as good
business, generally speakin', as blackin' boots?  My private
tooter combines both, and is makin' a fortun' with great
rapidity.  He'll be as rich as Astor some time, _if he only
lives long enough._

"I should think you'd have a bully time at your school. 
I should like to go out in the boat, or play ball with you. 
When are you comin' to the city?  I wish you'd write and let
me know when you do, and I'll call and see you.  I'll leave
my business in the hands of my numerous clerks, and go round
with you.  There's lots of things you didn't see when you was
here before.  They're getting on fast at the Central Park. 
It looks better than it did a year ago.

"I ain't much used to writin' letters.  As this is the first
one I ever wrote, I hope you'll excuse the mistakes.  I hope
you'll write to me again soon.  I can't write so good a
letter as you; but, I'll do my best, as the man said when he
was asked if he could swim over to Brooklyn backwards. 
Good-by, Frank.  Thank you for all your kindness.  Direct
your next letter to No. -- Mott Street.
                           "Your true friend,
                                           "DICK HUNTER,"

When Dick had written the last word, he leaned back in his
chair, and surveyed the letter with much satisfaction.

"I didn't think I could have wrote such a long letter,
Fosdick," said he.

"Written would be more grammatical, Dick," suggested his friend.

"I guess there's plenty of mistakes in it," said Dick. 
"Just look at it, and see."

Fosdick took the letter, and read it over carefully.

"Yes, there are some mistakes," he said; "but it sounds so
much like you that I think it would be better to let it go
just as it is.  It will be more likely to remind Frank of
what you were when he first saw you."

"Is it good enough to send?" asked Dick, anxiously.

"Yes; it seems to me to be quite a good letter.  It is
written just as you talk.  Nobody but you could have written
such a letter, Dick.  I think Frank will be amused at your
proposal to come up there as teacher."

"P'r'aps it would be a good idea for us to open a seleck
school here in Mott Street," said Dick, humorously.  "We could
call it `Professor Fosdick and Hunter's Mott Street Seminary.'
Boot-blackin' taught by Professor Hunter."

The evening was so far advanced that Dick decided to postpone
copying his letter till the next evening.  By this time he
had come to have a very fair handwriting, so that when the
letter was complete it really looked quite creditable, and no
one would have suspected that it was Dick's first attempt in
this line.  Our hero surveyed it with no little complacency. 
In fact, he felt rather proud of it, since it reminded him of
the great progress he had made.  He carried it down to the
post-office, and deposited it with his own hands in the
proper box.  Just on the steps of the building, as he was
coming out, he met Johnny Nolan, who had been sent on an
errand to Wall Street by some gentleman, and was just returning.

"What are you doin' down nere, Dick?" asked Johnny.

"I've been mailin' a letter."

"Who sent you?"

"Nobody."

"I mean, who writ the letter?"

"I wrote it myself."

"Can you write letters?" asked Johnny, in amazement.

"Why shouldn't I?"

"I didn't know you could write.  I can't."

"Then you ought to learn."

"I went to school once; but it was too hard work, so I give
it up."

"You're lazy, Johnny,--that's what's the matter.  How'd you
ever expect to know anything, if you don't try?"

"I can't learn."

"You can, if you want to."

Johnny Nolan was evidently of a different opinion.  He was a
good-natured boy, large of his age, with nothing
particularly bad about him, but utterly lacking in that
energy, ambition, and natural sharpness, for which Dick was
distinguished.  He was not adapted to succeed in the life
which circumstances had forced upon him; for in the
street-life of the metropolis a boy needs to be on the alert,
and have all his wits about him, or he will find himself
wholly distanced by his more enterprising competitors for
popular favor.  To succeed in his profession, humble as it
is, a boot-black must depend upon the same qualities which
gain success in higher walks in life.  It was easy to see
that Johnny, unless very much favored by circumstances, would
never rise much above his present level.  For Dick, we cannot
help hoping much better things.

CHAPTER XXVI

AN EXCITING ADVENTURE

Dick now began to look about for a position in a store or
counting-room.  Until he should obtain one he determined to
devote half the day to blacking boots, not being willing to
break in upon his small capital.  He found that he could earn
enough in half a day to pay all his necessary expenses,
including the entire rent of the room.  Fosdick desired to
pay his half; but Dick steadily refused, insisting upon
paying so much as compensation for his friend's services as
instructor.

It should be added that Dick's peculiar way of speaking and
use of slang terms had been somewhat modified by his
education and his intimacy with Henry Fosdick.  Still he
continued to indulge in them to some extent, especially when
he felt like joking, and it was natural to Dick to joke, as
my readers have probably found out by this time.  Still his
manners were considerably improved, so that he was more
likely to obtain a situation than when first introduced to
our notice.

Just now, however, business was very dull, and merchants,
instead of hiring new assistants, were disposed to part with
those already in their employ.  After making several
ineffectual applications, Dick began to think he should be
obliged to stick to his profession until the next season. 
But about this time something occurred which considerably
improved his chances of preferment.

This is the way it happened.

As Dick, with a balance of more than a hundred dollars in the
savings bank, might fairly consider himself a young man of
property, he thought himself justified in occasionally
taking a half holiday from business, and going on an
excursion.  On Wednesday afternoon Henry Fosdick was sent by
his employer on an errand to that part of Brooklyn near
Greenwood Cemetery.  Dick hastily dressed himself in his
best, and determined to accompany him.

The two boys walked down to the South Ferry, and, paying
their two cents each, entered the ferry boat.  They remained
at the stern, and stood by the railing, watching the great
city, with its crowded wharves, receding from view.  Beside
them was a gentleman with two children,--a girl of eight and
a little boy of six.  The children were talking gayly to
their father.  While he was pointing out some object of
interest to the little girl, the boy managed to creep,
unobserved, beneath the chain that extends across the boat,
for the protection of passengers, and, stepping incautiously
to the edge of the boat, fell over into the foaming water.

At the child's scream, the father looked up, and, with a cry
of horror, sprang to the edge of the boat.  He would have
plunged in, but, being unable to swim, would only have
endangered his own life, without being able to save his child.

"My child!" he exclaimed in anguish,-- "who will save my
child?  A thousand--ten thousand dollars to any one who will
save him!"

There chanced to be but few passengers on board at the time,
and nearly all these were either in the cabins or standing
forward.  Among the few who saw the child fall was our hero.

Now Dick was an expert swimmer.  It was an accomplishment
which he had possessed for years, and he no sooner saw the
boy fall than he resolved to rescue him.  His determination
was formed before he heard the liberal offer made by the
boy's father.  Indeed, I must do Dick the justice to say
that, in the excitement of the moment, he did not hear it at
all, nor would it have stimulated the alacrity with which he
sprang to the rescue of the little boy.

Little Johnny had already risen once, and gone under for the
second time, when our hero plunged in.  He was obliged to
strike out for the boy, and this took time.  He reached him
none too soon.  Just as he was sinking for the third and last
time, he caught him by the jacket.  Dick was stout and
strong, but Johnny clung to him so tightly, that it was with
great difficulty he was able to sustain himself.

"Put your arms round my neck," said Dick.

The little boy mechanically obeyed, and clung with a grasp
strengthened by his terror.  In this position Dick could bear
his weight better.  But the ferry-boat was receding fast. 
It was quite impossible to reach it.  The father, his face pale
with terror and anguish, and his hands clasped in suspense,
saw the brave boy's struggles, and prayed with agonizing
fervor that he might be successful.  But it is probable, for
they were now midway of the river, that both Dick and the
little boy whom he had bravely undertaken to rescue would
have been drowned, had not a row-boat been fortunately near. 
The two men who were in it witnessed the accident, and
hastened to the rescue of our hero.

"Keep up a little longer," they shouted, bending to their oars,
"and we will save you."

Dick heard the shout, and it put fresh strength into him. 
He battled manfully with the treacherous sea, his eyes fixed
longingly upon the approaching boat.

"Hold on tight, little boy," he said.  "There's a boat coming."

The little boy did not see the boat.  His eyes were closed to
shut out the fearful water, but he clung the closer to his
young preserver.  Six long, steady strokes, and the boat
dashed along side.  Strong hands seized Dick and his youthful
burden, and drew them into the boat, both dripping with water.

"God be thanked!" exclaimed the father, as from the steamer
he saw the child's rescue.  "That brave boy shall be
rewarded, if I sacrifice my whole fortune to compass it."

"You've had a pretty narrow escape, young chap," said one of
the boatmen to Dick.  "It was a pretty tough job you undertook."

"Yes," said Dick.  "That's what I thought when I was in the
water.  If it hadn't been for you, I don't know what would
have 'come of us."

"Anyhow you're a plucky boy, or you wouldn't have dared to
jump into the water after this little chap.  It was a risky
thing to do."

"I'm used to the water," said Dick, modestly.  "I didn't stop
to think of the danger, but I wasn't going to see that little
fellow drown without tryin' to save him."

The boat at once headed for the ferry wharf on the Brooklyn
side.  The captain of the ferry-boat, seeing the rescue, did
not think it necessary to stop his boat, but kept on his way. 
The whole occurrence took place in less time than I have
occupied in telling it.

The father was waiting on the wharf to receive his little
boy, with what feelings of gratitude and joy can be easily
understood.  With a burst of happy tears he clasped him to
his arms.  Dick was about to withdraw modestly, but the
gentleman perceived the movement, and, putting down the
child, came forward, and, clasping his hand, said with
emotion, "My brave boy, I owe you a debt I can never repay. 
But for your timely service I should now be plunged into an
anguish which I cannot think of without a shudder."

Our hero was ready enough to speak on most occasions, but
always felt awkward when he was praised.

"It wasn't any trouble," he said, modestly.  "I can swim like
a top."

"But not many boys would have risked their lives for a
stranger," said the gentleman.  "But," he added with a sudden
thought,as his glance rested on Dick's dripping garments,
"both you and my little boy will take cold in wet clothes. 
Fortunately I have a friend living close at hand, at whose
house you will have an opportunity of taking off your
clothes, and having them dried."

Dick protested that he never took cold; but Fosdick, who had
now joined them, and who, it is needless to say, had been
greatly alarmed at Dick's danger, joined in urging compliance
with the gentleman's proposal, and in the end our hero had to
yield.  His new friend secured a hack, the driver of which
agreed for extra recompense to receive the dripping boys into
his carriage, and they were whirled rapidly to a pleasant
house in a side street, where matters were quickly explained,
and both boys were put to bed.

"I ain't used to goin' to bed quite so early," thought Dick. 
"This is the queerest excursion I ever took."

Like most active boys Dick did not enjoy the prospect of
spending half a day in bed; but his confinement did not last
as long as he anticipated.

In about an hour the door of his chamber was opened, and a
servant appeared, bringing a new and handsome suit of clothes
throughout.

"You are to put on these," said the servant to Dick; "but you
needn't get up till you feel like it."

"Whose clothes are they?" asked Dick.

"They are yours."

"Mine!  Where did they come from?"

"Mr.Rockwell sent out and bought them for you.  They are the
same size as your wet ones."

"Is he here now?"

"No.  He bought another suit for the little boy, and has
gone back to New York.  Here's a note he asked me to give you."

Dick opened the paper, and read as follows,--

"Please accept this outfit of clothes as the first instalment
of a debt which I can never repay.  I have asked to have your
wet suit dried, when you can reclaim it.  Will you oblige me
by calling to-morrow at my counting room, No. --, Pearl Street.
                                      "Your friend,
                                              "JAMES ROCKWELL."

CHAPTER XXVII

CONCLUSlON

When Dick was dressed in his new suit, he surveyed his figure
with pardonable complacency.  It was the best he had ever worn,
and fitted him as well as if it had been made expressly for him.

"He's done the handsome thing," said Dick to himself; "but
there wasn't no 'casion for his givin' me these clothes. 
My lucky stars are shinin' pretty bright now.  Jumpin' into the
water pays better than shinin' boots; but I don't think I'd
like to try it more'n once a week."

About eleven o'clock the next morning Dick repaired to Mr.
Rockwell's counting-room on Pearl Street.  He found himself
in front of a large and handsome warehouse.  The counting-room
was on the lower floor.  Our hero entered, and found Mr.
Rockwell sitting at a desk.  No sooner did that gentleman
see him than he arose, and, advancing, shook Dick by the hand
in the most friendly manner.

"My young friend," he said, "you have done me so great
service that I wish to be of some service to you in return. 
Tell me about yourself, and what plans or wishes you have
formed for the future."

Dick frankly related his past history, and told Mr. Rockwell
of his desire to get into a store or counting-room, and of
the failure of all his applications thus far.  The merchant
listened attentively to Dick's statement, and, when he had
finished, placed a sheet of paper before him, and, handing him
a pen, said, "Will you write your name on this piece of paper?"

Dick wrote in a free, bold hand, the name Richard Hunter. 
He had very much improved in his penmanship, as has already
been mentioned, and now had no cause to be ashamed of it.

Mr. Rockwell surveyed it approvingly.

"How would you like to enter my counting-room as clerk,
Richard?" he asked.

Dick was about to say "Bully," when he recollected himself,
and answered, "Very much."

"I suppose you know something of arithmetic, do you not?"

"Yes, sir."

"Then you may consider yourself engaged at a salary of ten
dollars a week.  You may come next Monday morning."

"Ten dollars!" repeated Dick, thinking he must have
misunderstood.

"Yes; will that be sufficient?"

"It's more than I can earn," said Dick, honestly.

"Perhaps it is at first," said Mr. Rockwell, smiling; "but I
am willing to pay you that.  I will besides advance you as
fast as your progress will justify it."

Dick was so elated that he hardly restrained himself from
some demonstration which would have astonished the merchant;
but he exercised self-control, and only said, "I'll try to
serve you so faithfully, sir, that you won't repent having
taken me into your service."

"And I think you will succeed," said Mr. Rockwell,
encouragingly.  "I will not detain you any longer, for I have
some important business to attend to.  I shall expect to see
you on Monday morning."

Dick left the counting-room, hardly knowing whether he stood
on his head or his heels, so overjoyed was he at the sudden
change in his fortunes.  Ten dollars a week was to him a
fortune, and three times as much as he had expected to obtain
at first.  Indeed he would have been glad, only the day
before, to get a place at three dollars a week.  He reflected
that with the stock of clothes which he had now on hand, he
could save up at least half of it, and even then live better
than he had been accustomed to do; so that his little fund in
the savings bank, instead of being diminished, would be
steadily increasing.  Then he was to be advanced if he
deserved it.  It was indeed a bright prospect for a boy who,
only a year before, could neither read nor write, and
depended for a night's lodging upon the chance hospitality of
an alley-way or old wagon.  Dick's great ambition to "grow up
'spectable" seemed likely to be accomplished after all.

"I wish Fosdick was as well off as I am," he thought
generously.  But he determined to help his less fortunate
friend, and assist him up the ladder as he advanced himself.

When Dick entered his room on Mott Street, he discovered that
some one else had been there before him, and two articles of
wearing apparel had disappeared.

"By gracious!" he exclaimed; "somebody's stole my Washington
coat and Napoleon pants.  Maybe it's an agent of Barnum's,
who expects to make a fortun' by exhibitin' the valooable
wardrobe of a gentleman of fashion."

Dick did not shed many tears over his loss, as, in his
present circumstances, he never expected to have any further
use for the well-worn garments.  It may be stated that he
afterwards saw them adorning the figure of Micky Maguire; but
whether that estimable young man stole them himself, he never
ascertained.  As to the loss.  Dick was rather pleased that
it had occurred.  It seemed to cut him off from the old
vagabond life which he hoped never to resume.  Henceforward
he meant to press onward, and rise as high as possible.

Although it was yet only noon, Dick did not go out again with
his brush.  He felt that it was time to retire from business. 
He would leave his share of the public patronage to other
boys less fortunate than himself.  That evening Dick and
Fosdick had a long conversation.  Fosdick rejoiced heartily
in his friend's success, and on his side had the pleasant
news to communicate that his pay had been advanced to six
dollars a week.

"I think we can afford to leave Mott Street now," he
continued.  "This house isn't as neat as it might be, and I
shall like to live in a nicer quarter of the city."

"All right," said Dick.  "We'll hunt up a new room to-morrow. 
I shall have plenty of time, having retired from business. 
I'll try to get my reg'lar customers to take Johnny Nolan in
my place.  That boy hasn't any enterprise.  He needs some
body to look out for him."

"You might give him your box and brush, too, Dick."

"No," said Dick; "I'll give him some new ones, but mine I
want to keep, to remind me of the hard times I've had, when
I was an ignorant boot-black, and never expected to be
anything better."

"When, in short, you were `Ragged Dick.'  You must drop that
name, and think of yourself now as"--

"Richard Hunter, Esq.," said our hero, smiling.

"A young gentleman on the way to fame and fortune," added Fosdick.

                                 -------

Here ends the story of Ragged Dick.  As Fosdick said, he is
Ragged Dick no longer.  He has taken a step upward, and is
determined to mount still higher.  There are fresh adventures
in store for him, and for others who have been introduced in
these pages.  Those who have felt interested in his early
life will find his history continued in a new volume, forming
the second of the series, to be called,--

                           FAME AND FORTUNE;
                                 OR,
                    THE PROGRESS OF RICHARD HUNTER.

[End.]