The Harpers and Appletons, who stand at the head of the book trade in New York, began as poor boys, and worked their way up to fortune slowly and patiently. Cornelius Vanderbilt was a poor boatman. Daniel Drew was a drover. A. T. Stewart an humble, struggling shop-keeper. One of the most noted bank presidents of the city began by blacking a pair of boots. He did his work well. These are noted instances, but there are thousands of merchants in the city doing comfortable businesses, some of whom will be millionaires, who began poor and friendless. They have worked faithfully and patiently, and their lives are examples to all beginners. REAL ESTATE OPERATIONS. Many capitalists have made their fortunes by successful operations in real estate. This must not be classed with speculations in bonds or stocks. Of course, one may be cheated in buying real estate, as well as in any other purchase; but as a general rule, he who invests his money in houses or lands, gets the full value of it. The rapid growth of the city has increased the value of property in the upper sections at an amazing rate, and has made the fortune of every one who held land in those sections. The Astors, A. T. Stewart, Claflin, Vanderbilt, Drew, and hundreds of others who were wise enough to foresee and believe in the future of New York, have made handsome fortunes on the investments made by them a few years ago. In 1860 a gentleman purchased a handsome house in a fashionable neighborhood. It was a corner house, and fronted on Fifth Avenue. He paid fifty thousand dollars for it. He spent twenty-five thousand more in furnishing and fitting up. His friends shook their heads at his extravagance. Since then he has resided in the house, and each year his property has increased in value. A few months ago he was offered nearly three hundred thousand dollars for the house and furniture, and refused it, declaring his belief, that in ten years more the property will be worth over half a million. A farm near the Central Park that could not find a purchaser seven years ago at a few thousands, sold six months since, in building lots, for as many millions. We might multiply these instances, but the above are sufficient to illustrate this branch of our subject. Rented property pays handsomely. As much as twenty per cent. on the value, is often received as the rent of a dwelling, and some of the best Broadway stores bring their owners one or two hundred thousand dollars annually. As all rents are paid in advance, and security required for the larger ones, the owner is comparatively safe in his investment. CHAPTER XIII. FASHIONABLE SHOPPING. The fashionable shopping points are along Broadway, from Canal street to Twenty-third street, and in some of the cross streets between these thoroughfares. The principal are Stewart's, Lord & Taylor's, and Arnold & Constable's.