To build a harbor you need a special terrain close to water. The game offers you the possibility of building a harbor by showing you a little anchor on the right bottom of a big building symbol. Otherwise I'm afraid you won't be able to build a harbor.
Sorry, I don't know about your second question.
To build ships in the shipyard in the gold version you simply click on the little square with the boat in it that is deplayed in the information screen of the shipyard. You can choose between boats an ships to be build.
I hope this is helpful.
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