Strangers coming to New York are struck with the fact that there are but two classes in the city--the poor and the rich. The middle class, which is so numerous in other cities, hardly exists at all here. The reason of this is plain to the initiated. Living in New York is so expensive that persons of moderate means reside in the suburbs, some of them as far as forty miles in the country. They come into the city, to their business, in crowds, between the hours of seven and nine in the morning, and literally pour out of it between four and seven in the evening. In fair weather the inconvenience of such a life is trifling, but in the winter it is absolutely fearful. A deep snow will sometimes obstruct the railroad tracks, and persons living outside of the city are either unable to leave New York, or are forced to spend the night on the cars. Again, the rivers will be so full of floating ice as to render it very dangerous, if not impossible, for the ferry boats to cross. At such times the railroad depots and ferry houses are crowded with persons anxiously awaiting transportation to their homes. The detention in New York, however, is not the greatest inconvenience caused by such mishaps. Many persons are frequently unable to reach the city, and thus lose several days from their business, at times when they can ill afford it. We have already referred to the scarcity of houses. The population of the city increases so rapidly that house-room cannot be provided for all. House rent is very high in New York. A house for a family of six persons, in a moderately respectable neighborhood, will rent for from sixteen hundred to twenty-five hundred dollars, the rate increasing as the neighborhood improves. On the fashionable streets, houses rent for from six thousand to fifteen thousand dollars per annum. These, it must be remembered, are palatial. Many persons owning these houses, live in Europe, or in other parts of the country, and pay all their expenses with the rent thus secured. In consequence of this scarcity of dwellings, and the enormous rents asked for them, few families have residences of their own. People of moderate means generally rent a house, and sub-let a part of it to another family, take boarders, or rent furnished or unfurnished rooms to lodgers. Furniture is expensive, and many persons prefer to rent furnished houses. These are always in demand, and in good localities command enormous prices. Heavy security has to be given by the lessee in such cases, as, without this, the tenant might make away with the furniture. Many persons owning houses for rent, furnish them at their own expense, and let them, the heavy rent soon paying a handsome profit on the furniture.