Australia : The Dairy Country. 25 



arrival.. It is needless to remind experienced dairymen that any 

 owner of dairy cows naturally feels it necessary to know a good 

 deal about anyone to whom he is to entrust the sole management 

 of a good herd. 



Young Dairy Stock. 



Monetary Aid to Settlers. 



Besides aiding the settler in the various ways already mentioned, 

 viz., by providing the expert personal instruction and advice of 

 officers of the Agricultural Departments, in regard to feeding, breed- 

 ing, management, and other matters, by the importation of high- 

 class stud cattle, and making them available at cheap rates for herd 

 improvement, and in the granting of facilities for the transportation 

 and marketing of his produce, the Governments of the Australian 

 States assist the dairyman with loans of cheap money. The 

 Advances to Settlers' Board or Agricultural Bank in each of the 

 States, lend money to settlers for the purpose of repaying existing 

 debts, for building homes, for purchasing stock, or for improving and 

 developing their holdings. The sums which may be advanced and 

 the terms and conditions of the loans vary in different States. 

 Broadly speaking, however, a settler may obtain on the security of 

 his land or of his improvements sums ranging from $120.00 to 

 $9600.00 at rates of interest varying from 4 per cent, to 6 per cent, 

 on easy terms of repayment extending over a long period of years 

 up to, as in the States of New South Wales and South Australia, 

 thirty-one years. 



