through the city, together with its Getty Square branch, has ten stations, making a total of nineteen. The time from Yonkers to the Grand Central Station by the Central–Hudson is but twenty–five minutes; and from Getty Square to Rector Street, via the New York & Putnam Railroad and Manhattan Railway express service, fifty–five minutes, which time will be materially reduced upon completion of the electrical equipment of the Elevated Railways, now so close at hand. Commutation between New York and Yonkers is but $5.10 a month, and tickets are interchangeable on all three railroads. Passengers are allowed the privilege of transferring at High Bridge or Morris Heights from the trains of the Central–Hudson Railroad to the Putnam Railroad, or vice versa. Travel between New York and Yonkers is not liable to ferryboat delay, arising from fog or ice, as is the case with places on Long Island and in New Jersey. Electric Railways The Yonkers electric railways are owned and operated by the Union Railway Company. It is now engaged in extending its lines throughout the large area of the Seventh Ward, the suburban section of the city, and throughout Westchester County. Connections are now in use, two to New York, and one each to Mount Vernon, New Rochelle, Glen Island, White Plains, and Hastings. This combination of steam and electric roads affords ample transportation facilities to all sections of the city at small cost, and should rapidly enhance the value of real estate in all directions. The recent extensions of the trolley system on Central Avenue, from the city of New York northerly, and on Warburton Avenue to Hastings, and on the Sawmill River and Tuckahoe Roads, have opened up large sections of the city, and will be followed by rapid appreciations in values. The lines constructed in 1902 include McLean Avenue, from Woodlawn Heights and Lincoln Park to South Broadway at Lowerre, and the effect of these extensions is felt in the increasing interest manifested in real estate. A general transfer system carries passengers all over the lines of the company for one five–cent fare, while for eight cents one can travel by trolley from the northern boundary of Yonkers south to Harlem, thence by the Manhattan Elevated Railway to South Ferry, a distance of over twenty miles. New York Rapid Transit Subway The Rapid Transit Subway, now under construction at a cost of $35,000,000, is rapidly nearing completion; and the year 1903 will be made memorable by the termination of the greatest civic improvement of modern history. From the southern terminus in New York, at the City Hall, the tunnel will extend centrally through the city. A four–track service with express trains for through passengers is to be established, and the residents of Yonkers will then be enabled to step aboard a train at the lower end of Manhattan Island and, with a transfer to the electric or steam railroad at Kingsbridge, reach any section of the city with but one change of cars. The time now required to reach the Grand Central Station from lower New York will be very materially reduced.