AND WHERE TO FIND ONE. 75 



to the same station in life, a great many will still continue to 

 run in debt for land, any thing I might be able to say to the 

 contrary notwithstanding. 



&quot; True, many fail, and not a few farms are badly run down 

 and injured by men in debt ; yet this need not necessarily 

 be the case, but may rather be considered the result of bad 

 management in buying, cultivation, etc. But, however this 

 may be, it will not prevent others from running in debt. 

 So, that instead of a fruitless endeavor to persuade men to 

 not run in debt^ I believe it is better to try to assist those 

 that may find it best to do so. 



.&quot; Of course no specific rules, but only general directions, 

 can be given as to when a man s pecuniary means will ad 

 mit of his buying a farm. There is so much difference in 

 the price of 4and in different sections, as well as in its pro 

 ductiveness, that while in some new sections where land is 

 cheap and a long time given to pay in, a man with a few 

 hundred dollars may buy one hundred acres or more, in 

 many of the older sections he would need as many thousands 

 to buy the same amount of land. But leaving new lands 

 out of the question, when should a man buy in those sec 

 tions where land ranges from 820 to $100 or more an acre ? 

 As a general rule, I believe he may buy when he is able to 

 pay half down for a farm, and stock it with a moderate al 

 lowance of farm-stock suitable to the system of farming he 

 intends to pursue, together with suitable teams, tools, etc., 

 to begin with. And as a man that intends to pay a heavy 

 land debt should not allow small debts to accumulate on 

 his hands, so he should never begin by making a heavy 

 debt on his land, and another large one for teams, 

 stock, etc. 



&quot; Again, the amount it will do to run in debt must de 

 pend, in a great measure, on the time and chance to pay, 

 the buyer may be able to get. As when $2,000 or $3,000 



