MEANS OF ACQUIRING LAND 



physician to its physical, the minister to its 

 moral and spiritual welfare. The inexperi- 

 enced person, even if he does not need to 

 borrow money, would do well to consult 

 some responsible banker in the neighbor- 

 hood before making an investment in farm 

 lands. 



The young man should, as early as possi- 

 ble in life, open an account with the local 

 bank, not merely for the sake of the habit of 

 saving which this will encourage, but in 

 order to come into personal business rela- 

 tions with the banker. Instead of conceal- 

 ing from the bank his business operations, 

 he should seek the advice of his banker on 

 all important financial matters. 



On an average, every farm changes hands 

 at least three times in a century. Every 

 farm, therefore, must be acquired by pur- 

 chase, inheritance or gift at more or less 

 irregular intervals. In the neighborhood 

 in which the author was born, there is not a 

 farm but has changed hands since he can 

 remember. In many cases the farm is now 

 in the possession of a son ; in some instances 

 15 



