INTRODUCTION. 5 



such an enormous expence as (if he had no 

 other means than what the produce of the 

 land would afford) must ruin any one. 



To show this is true, I will give an exam- 

 ple in the speculations of the well-known 

 Messrs. Morris, Nicholson, and Greenleaf. 

 Mr. Morris had so much credit as a 

 banker during the American war, that his 

 notes were current when those of the 

 United -States would not be taken either in 

 their country or abroad. When the war 

 was over, Mr. Morris, not knowing what 

 to do with his money, speculated largely in 

 lands, and took these other two gentlemen 

 as partners. They are broke, have all 

 been in gaol, and Mr. Morris must die there, 

 I had one thousand acres of land offered 

 to be given me by General Stone, of Balti- 

 more in Aleganey county, to be chosen out 

 of three thousand four hundred acres, if I 



