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HOW TO GET A FARM, 



it, trusting to the honesty of the borrower that he will re 

 turn it, or its equivalent, with rent or interest for its use. 

 It is one of the advantages of good character, and known 

 or presumed punctuality in dealing, that a man may, on 

 his own security, obtain the possession and use of a reason 

 able amount of capital. Credit, being the representative of 

 capital, performs many of its functions, and confers upon 

 the borrower the same benefits, less the charge for its use. 

 The advantages of credit are nowhere more strikingly ex 

 emplified than in the rapid material progress of the United 

 States ; and in no other country are the profits from its use so 

 large, when combined with industry and mechanical skill. 



u An instance is recorded of a farmer, in Peoria County, 

 Illinois, who lived on a rented farm of eighty acres, for 

 which he paid two hundred dollars rent for the land, and 

 twenty-six dollars for the house ; he did all his work him 

 self, except some help in planting corn ; had one team of 

 horses; and, after paying his rent and supporting his 

 family, cleared one thousand dollars a year. The Rev. 

 John S. Barger, a Methodist clergyman, in Illinois, fur 

 nishes the following interesting account of two Mr. Funks, 

 Jesse and Isaac no relation of Peter, whose address, as 

 heretofore, is New York city : 



&quot; I will now give you a concise history of the operations 

 of Mr. Funk. Both before and after his marriage, he had 

 made rails for his neighbors at twenty-five cents per hun 

 dred. But when the lands where he lived came into 

 market, twenty-five years ago, he had saved of his five 

 years earnings $1,400, and says if he had invested it all 

 in lands, he would now have been rich. With two hundred 

 dollars he bought his first quarter section, and loaned to his 

 neighbors eight hundred dollars to buy their homes ; and 

 with the remaining four hundred he purchased a lot of 

 cattle. With this beginning, Mr. Funk now owns seven 



