Under his skillful management his business grew rapidly; but he avoided speculation, and confined himself to legitimate commerce. He was plain and simple in his habits, carrying this trait to an extreme long after economy had ceased to be necessary to him. He worked hard, indulged in no pleasures except horseback exercise and the theater, of both which he was very fond. It was only after he had amassed a large fortune that he ever left his business before the close of the day. Then he would leave his counting-room at two in the afternoon, and, partaking of an early dinner, would pass the rest of the day in riding about the island. So plain was his style of living that, before he became generally known as a wealthy man, a bank clerk once superciliously informed him that his indorsement of a note would not be sufficient, as it was not likely he would be able to pay it in case the bank should be forced to call upon him. "Indeed," said Mr. Astor, "how much do you suppose I am worth?" The clerk named a moderate amount, at which the merchant smiled quietly. "Would the indorsement of Mr. ----, or Mr. ----, be sufficient?" asked Mr. Astor, naming several well-known merchants who lived in great style. "Entirely sufficient," was the reply. "Each one of them is known to be wealthy." "How much do you think each is worth?" The clerk named large sums in connection with each of the gentlemen. "Well, my friend," said the merchant, "I am worth more than any of them. I will not tell you how much I am worth, but it is more than any sum you have named." The clerk looked at him in surprise, and then said, bluntly, "Then you are a greater fool than I took you for, to work as hard as you do." Mr. Astor was very fond of telling this story, which he regarded as one of the best jokes of the day. All this time Mr. Astor had lived over his store, but in 1800, after he had been in business fifteen years, he moved his dwelling to 223 Broadway, on the site of the Astor House of to-day. He lived here, with one removal, for upwards of twenty-five years. The house was plain and simple, but he was satisfied with it. He was now worth a quarter of a million dollars, and his business was growing rapidly. The fur trade was exceedingly profitable. A beaver skin could be bought from the trappers in western New York for one dollar and sold in London for six dollars and a quarter. By investing this amount in English manufactures, the six dollars and a quarter received for the skin could be made to produce ten dollars paid for the English goods in New York.