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CHAPTER II 

 MEANS OF ACQUIRING LAND 



F the three essentials to successful farm- 

 ing capital, knowledge and love for 

 the calling only the first can be obtained on 

 credit, and this only in part. Usually when 

 a man desires to buy a farm he must have, 

 at least, one-third of his desired investment 

 in cash. The amount to be invested will 

 include, not only the cost of the land, but 

 the cost of the necessary equipment of the 

 farm. The percentage of the total capital 

 which may be borrowed, however, will de- 

 pend on many circumstances and is usually 

 a matter of first importance. No man 

 should borrow more than a banker or other 

 reputable business man considers a safe in- 

 vestment. 



Usually there is no better counselor as to 

 a safe investment than the local banker. 

 The banker should, and generally does, 

 stand in much the same relation to the 

 financial welfare of the community as the 



