A coal fire crackled cheerily in the little open grate that supplied warmth to the steam-heated living-room in the modest apartment of Mr. Thomas S. Bingle, lower New York, somewhere to the west of Fifth Avenue and not far removed from Washington Square-in the wrong direction, however, if one must be precise in the matter of emphasizing the social independence of the Bingle family-and be it here recorded that without the genial aid of that grate of coals the living-room would have been a cheerless place indeed. Mr. Bingle had spent most of the evening in trying to coax heat from the lower regions into the pipes of the seventh heaven wherein he dwelt, and without the slightest sign of success.