arates them, and shows them how easily difficulties, which in less
enterprising places seem insurmountable, may be overcome. They go back
home braced up to their work, and filled with new and larger ideas.

Between ten and fifteen millions of strangers annually visit New York for
business and pleasure. All spend large sums of money during their stay,
and a very large part of this finds its way into the pockets of the
retail dealers of the city. The hotels, boarding houses, restaurants,
livery stables, and places of amusement reap large profits from these
visitors. Indeed, the whole city is benefited to a very great extent by
them, and it thus enjoys a decided advantage over all its rivals.

Everything here gives way to business. The changes in the city are,
perhaps, more strictly due to this than to the increase of the
population. It is a common saying that "business is rapidly coming up
town." Private neighborhoods disappear every year, and long lines of
substantial and elegant warehouses take the places of the comfortable
mansions of other days. The lower part of the city is taken up almost
exclusively by wholesale and commission houses, and manufactories. The
retail men and small dealers are being constantly forced higher up town.
A few years ago the section of the city lying between Fourth and
Twenty-third streets was almost exclusively a private quarter. Now it is
being rapidly invaded by business houses. Broadway has scarcely a
residence below the Park. The lower part of Fifth avenue is being
swiftly converted into a region of stores and hotels, and residents are
being steadily driven out of Washington and Union Squares. Even Madison
Square is beginning to feel the change. But a few years ago it was
regarded as the highest point that New York would ever reach in its
upward growth.

Enterprise, talent, and energy are indispensable to any one who wishes to
succeed in business in New York. Fortunes can he made legitimately here
quicker than in many other places, but the worker must have patience.
Fortune comes slowly everywhere if honestly sought. There is also
another quality indispensable to a genuine success. It is honesty and
integrity. Sharp practices abound in the city, but those who use them
find their road a hard one. No man can acquire a good and steady
credit--which credit is of more service to him here than in almost any
other place in the world--without establishing a reputation for ri