them or with their philosophy of life, that the world owes the idler a living. Life here means the hardest kind of work almost from the cradle. The world as a debtor has no credit in Jewtown. Its promise to pay wouldn't buy one of the old hats that are hawked about Hester Street, unless backed by security representing labor done at lowest market rates. But this army of workers must have bread. It is cheap and filling, and bakeries abound. Wherever they are in the tenements the tramp will skulk in, if he can. There is such a tramps' roost in the rear of a tenement near the lower end of Ludlow Street, that is never without its tenants in winter. By a judicious practice of flopping over on the stone pavement at intervals, and thus warming one side at a time, and with an empty box to put the feet in, it is possible to keep reasonably comfortable there even on a rainy night. In summer the yard is the only one in the neighborhood that does not do duty as a public dormitory. [Illustration: A TRAMP'S NEST IN LUDLOW STREET.] Thrift is the watchword of Jewtown, as of its people the world over. It is at once its strength and its fatal weakness, its cardinal virtue and its foul disgrace. Become an over-mastering passion with these people who come here in droves from Eastern Europe to escape persecution, from which freedom could be bought only with gold, it has enslaved them in bondage worse than that from which they fled. Money is their God. Life itself is of little value compared with even the leanest bank account. In no other spot does life wear so intensely bald and materialistic an aspect as in Ludlow Street. Over and over again I have met with instances of these Polish or Russian Jews deliberately starving themselves to the point of physical exhaustion, while working night and day at a tremendous pressure to save a little money. An avenging Nemesis pursues this headlong hunt for wealth; there is no worse paid class anywhere. I once put the question to one of their own people, who, being a pawnbroker, and an unusually intelligent and charitable one, certainly enjoyed the advantage of a practical view of the situation: "Whence the many wretchedly poor people in such a colony of workers, where poverty, from a misfortune, has become a reproach, dreaded as the plague?" "Immigration," he said, "brings us a lot. In five years it has averaged twenty-five thousand a year, of which more than seventy per cent. have stayed in New York. Half of them require and receive aid from the Hebrew Charities from the very start, lest they starve. That is one explanation. There is another class than the one that cannot get work: those who have had too much of it; who have worked and hoarded and lived, crowded together like pigs, on the scantiest fare and the worst to be got, bound to save whatever their earnings, until, worn out, they could work no longer. Then their hoards were soon exhausted. That is their story." And I knew that what he said was true.