328 Time of Entry on Farms. 



and draws for his need within or up to, but not beyond, the fixed 

 limit ; until, in time, if he be prudent, as he should be, he will 

 have the means to clear himself of the obligation. A casJi credit 

 is, to all intents and purposes, additional capital, and the person 

 using it holds an intermediate position between the man who 

 takes a farm, to which the insufficiency of his means does not 

 allow him to do full justice, and the more enviable owner of an 

 ample independent fortune. 



The cash credit system, within moderate limits, is by no means 

 an unsafe one for a reasonable and prudent young man to avail 

 himself of. 



JBi/ls. — For the system of giving 1)ills we cannot say as much ; 

 it is too well known to need any explanation, and, as it is a system 

 w^hicli I stiould recommend the young farmer firmly to avoid, I 

 shall pass it by without further comment. 



Jobbing at Sales, as a means of tiding over the difficulty of 

 entering upon a farm with insufficient means, may be fairly 

 deemed a discreditable and dangerous practice, which it requires 

 more judgment than the young farmer generally possesses to 

 render profitable. It is looked upon with suspicion by those 

 whose good opinion is worth obtaining, as being too often 

 nothing else than a cloak for absolute bankruptcy. 



Seeds. — Select for seed-corn the best sample you can find, even 

 though you have to pay a few extra pounds for it: when harvest 

 comes you will be more than amply repaid. For your other 

 seeds, mangold wurzel, clover, turnips, rye-grass, &c. &c., em- 

 ploy some respectable seedsman, the ample details of whose 

 catalogue you may leisurely study ; or, if you be at fault, state 

 simply to him your need, and he will select for you perhaps 

 better than you could do yourself. For any seeds but seed-corn 

 trust not the skill of your neighbours, for you will probably have 

 to pay far more than you would to a man who makes the 

 ripening of seed his special vocation ; whose character and interest 

 are staked upon the quality of his supplies. A frequent cause 

 of the failure of the clover crop is undoubtedly the use of seed 

 imperfectly ripened at home. 



Insurance. — Insure at once all your stock and crops, or rather 

 effect an insurance of what you calculate will be about two- 

 thirds of the value of the regular crops and stock upon the farm ; 

 it will be a comfort to yourself, as it is a duty to your family. 

 As a corollaiy to insurance, it is a good plan never to allow a 

 light in your stable, or, if there must be one, let it be inclosed in 

 a good lantern, as servants in this respect are too sadly careless. 

 By no means, under any pretence, allow smoking about the 

 premises. 



JjQcal Traditions you will often find useful. What suits one 



