Edgar Morette 
The Sturgis wager [EPUB ebook] 

It was bitterly cold. The keen December wind swept down the crowded thoroughfare, nipping the noses and ears of the gay pedestrians, comfortably muffled in their warm wraps.
Broadway was thronged with the usual holiday shoppers and pleasure-seekers. Cabs with their jaded steeds driven by weatherbeaten jehus, and private carriages behind well-groomed horses handled by liveried coachmen, deftly made their way through the crowds and deposited their fares at the entrances of the brightly lighted theaters or fashionable restaurants. A wizened hag, seated on the curbstone at the corner, seemed to shrink into herself with the cold as she turned the crank of her tiny barrel-organ and ground out a dismal and scarcely audible cacophony; while an anxious-eyed newsboy, not yet in his teens, shivered on the opposite side of the way, as, with tremulous lips, he solicited a purchaser for his unsold stock. One could hardly be expected to open a warm overcoat on such a night, at the risk of taking cold, for the sake of throwing a cent to an old beggar woman, or of buying a newspaper from a ragged urchin. Even the gaily decorated shop windows failed to arrest the idle passers-by; for it required perpetual motion to keep the blood in circulation.