A LITTLE LAND 90 



AND A LIVING 



earlier on any interest day. Of course if you can 

 pay cash and have enough capital left, it is well, 

 but don't be afraid to go moderately in debt ; to 

 borrow money to spend is one thing; to borrow 

 it to invest is quite another. All banks and all 

 merchants begin by getting in debt and adding 

 the use of the capital so acquired to their own 

 even cash houses always owe their clerks. 



The experience of the Building Loan Asso- 

 ciations in the East, and of the pioneers in the 

 West, shows that you may borrow money even at 

 twenty per cent, and make money. It is not debt 

 but recklessness and improvidence that ruins 

 men. Invest carefully in something that you 

 yourself know as much about as anybody else 

 does not in wild-cat stocks. Says Frederick F. 

 Ayer, " Wall Street is a trap." 



Insure your life and your health too, if you 

 can, so as to make provision for those dependent 

 on your efforts and get on your feet as soon as 

 possible. You may get rich having others work 

 for you. You never will by working for others. 



But don't get excited over a " snap " and pay 

 too much. There are as good chances to-day to 



