J'ime of Entry on Farms. 327 



ment that is really of service to aid or sb'orten labour. A good 

 sound article let him purchase of the plainest form consistent 

 with substantial neat workmanship. The man who studies for 

 himself is far more likely to be well suited in the end, and at a 

 lower rate, than he who consults merely the show-room, on market 

 days, of the local dealer in agricultural implements, who is 

 naturally anxious to dispose of what he has on hand, and who 

 is not always a man of enterprise or an unbiassed witness. 



Buy as you lo ant for your immediate use, and no more — for 

 instance, on entering your farm you must have horses, harness, 

 carts, ploughs, harrows, &c., store cattle, and sheep, proportioned 

 to the turnips and other keep, either left by the outgoing tenant 

 by fixed covenant, or secured at a fair price ; the cattle and sheep 

 being sold fat in the spring at a good profit, will provide you with 

 funds for the purchase of spring tools ; a roller, crusher, &c. &c., 

 in aid of your stored capital. My idea is, that no farmer can do 

 justice either to himself or his landlord who has not amjde funds 

 to commence with, so as to be able to provide himself with the 

 best of all he needs ; while by paying ready money he not only 

 has a check upon his expenditure, but will save the value of a 

 cow or more in discount allowed for cash payments. 



I am perfectly aware that it is the too-frequent practice to 

 start in the agricultural line with limited means, or at least such 

 as are just equal to a partially fair but not first-rate treatment of 

 the soil. This practice cannot but be blamed, beside the practice 

 of those who measure their taking by their purse, and leave them- 

 selves an ample balance in hand. Exceptions there are, of 

 course, to every rule ; but, generally speaking, what we advise 

 is the safest and most satisfactory plan. Whatever be the extent 

 of the lease the true policy of the in-coming tenant must be to 

 grapple with his land as soon as possible ; to have his vessel 

 trimmed and fully manned before he leaves the harbour, and not 

 start with an insufiicient complement, intending to pick up an 

 extra hand or two at the various ports where he may chance to 

 touch. 



Cash Credit. — A justifiable means of increasing your capital, 

 where your prospects are pretty safe, is the obtaining what 

 bankers term a ' cash credit ' at your local bank. This a young 

 man of character will always be enabled to effect; he will always 

 have some respectable friend or relative whose security will be 

 accepted at the bank for what extra money he may require up to 

 a fixed mark, say 50/. to 500/., according to his need. For this 

 accommodation, which has been the means of making mnny a 

 young man in business and farming, a certain rate of interest will 

 be charged, with a commission to cover the necessary incidental 

 expenses. Meanwhile the young farmer pays in his receipts 



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