THE RURAL NEW-YORKER. 
August 11 
5i 4^ 
WOULD A DEBT PAY HERE? 
SHALI. HE SHOULDER A MORTGAGE ? 
The following: question was received 
last spring', and the answers also pre¬ 
pared at that time. Owing to lack of 
space, we were unable to print it before. 
It is interesting to see how times have 
changed in a comparatively new State 
and how recent developments in finan¬ 
cial matters have made a great difference 
in debt and mortgage : 
I have a chance to buy a farm four miles from a 
railroad town of about 5,000 Inhsbttaots. It ban all 
necessary outbuildlnKs, ditches, fences and head 
gates, and a four-room brick house. Forty acres ate 
In Alfalfa, and there are a small orchard and some 
small fruits. The terms are t500 cash and two equal 
payments of $850, payable In one and two years at 
eight per cent Interest, the purchaser to assume a 
mortgage of $1,800, payable In 1898, with Interest 
at 10 per cent, payable semi-annually. Would 
It be better to take this, or use the $500 on a home¬ 
stead claim of 100 acres? In the latter case, of 
course, there are no Improvements of any kind. I 
have the $500 to make the payment on the drst place, 
and then can borrow enough to get the stock to work 
It. On the other hand the $500 would almost get the 
stock and water for tO acres of the homestead claim. 
Pueblo, Colo. C. B. E. 
Difference of One Year. 
I have counseled with a friend, and 
together we reply as follows : One year 
ago we would have said, “Yes, buy the 
land—assume the debt.” Now we dare 
not say so. Times are too uncertain. 
Under the present gold standard, while 
it takes almost three bushels of wheat in 
Colorado to buy a dollar, we advise 
against running the risk. We are not 
sure that the water is abundant and 
easily accessible. Let the inquirer go 
slow for at least one year more. We 
have seen too many men pinched by debt 
and going to the wall to advise another 
man to venture. Go slow ! w. c. t. 
Greeley, Colo. 
It'S a Good Bargain. 
From the statements given, I would 
advise the purchase of the farm at $2,500, 
for the reason that it would cost him 
about that much to put the improve¬ 
ments on the homestead claim that are 
now on the farm. The 40 acres of Alfalfa 
on the farm, if it has been seeded for a 
few years, is quite an item, whereas the 
first year on the claim would bring in 
but a small amount of cash at best. With¬ 
out knowing how many acres the farm 
contains, or whether the price includes 
water for the land, it is very difficult to 
advise. c. k. mason. 
Greeley, Col. 
Better Take the Raw Land. 
There are some few facts about the 
question that should have been stated by 
C. B. E., so that we could have better 
understood the whole situation—the 
number of acres in the tract he wishes to 
purchase, and the peculiar character of 
the soil, and whether the homestead is 
equally as well situated for markets, has 
equally as good soil, with as good and 
even a surface for irrigation, and if the 
water right when acquired for the home¬ 
stead would be of as permanent a char¬ 
acter. The water question for irriga¬ 
tion is the all important question in 
Colorado Land has no value for agri¬ 
cultural purposes without it has a good 
and permanent water supply. But speak¬ 
ing in general terms, and on general 
principles, which would be a safe guide 
in all business transactions at the present 
time, I would say to C. B. E., don’t buy 
the farm, but instead of buying it, use 
your $500 in making improvements on 
your homestead. In buying as contem¬ 
plated, your $500 counts for very little as 
a payment on the property, as you have 
to go in debt this amount to get stock, 
seed, etc., to work the farm, so you are 
virtually going in debt for the whole 
value of the farm. 
It is true there is a fascination about 
starting out in any business with a good 
home and all the adjuncts that go to 
make home comfortable. These sur¬ 
roundings are all very nice and well to 
have, and it is too often the case that a 
desire to acquire these things at the 
start, leads us to incur an indebtedness 
that in after years becomes a burden 
greater than we can bear. Better go on 
your homestead, and if you have not the 
money to spare to build yourself a 
house, make a dugout. It will cost very 
little besides your own labor, and though 
it is not so grand as the brick house in 
appearance, it will be fully as comfort¬ 
able, and far grander in satisfaction, 
from the fact that it is your own and no 
debt hanging over your head, the 
thoughts of which would destroy all the 
pleasure one could derive from the bet¬ 
ter home. If in the dugout “ love reigns 
supreme,” the hours will pass as quickly 
and as pleasantly, and time will bring 
to you its reward. 
The stringency in money matters has 
assumed such an acute form in this State 
that there is no basis from which to cal¬ 
culate what will be the future of farm 
operations, as to profits. 1 don’t think 
that a gold basis has been reached yet in 
farm products. We have thought for a 
long time that bed-rock had been 
reached, only to awake to the fact that 
we had not calculated aright. If C. B. 
E. will infuse into his business on his 
homestead the same amount of energy 
and push that he certainly would have 
to do to succeed in paying the debt he 
must make and assume, and use the 
same amount of economy that he will be 
required to use^ he will have a full better 
home at the end of five years than he 
would have if he bought the old farm ; 
all this time he will be freed from the 
care and worry of this load of debt. 
Silver has been stricken down as a money 
metal, and in the wake of its receding 
shadows are trailed the profits of the ag¬ 
ricultural industries of the whole world 
at the present time, with very little hope 
for any change for the better until it 
shall be restored to its old-time place. 
C. B. E. cannot hope to escape the effect 
of this condition of things in connection 
with his farm operations. The general 
tendency of prices is downward, and I 
cannot see any signs in the future that 
indicate a change for the better. 
Loveland, Colo. p. d. g. 
Some Points to Consider. 
I consider the farm a bargain. The im¬ 
provements with water-right are worth 
the price asked for the farm. There is 
a good living in 40 acres of Alfalfa in 
most parts of Colorado. He should be 
able to meet the first two notes if he have 
fair seasons ; he will then have two years 
start on the mortgage, and, with the 
help of a kind Providence, should be able 
to handle it. This is assuming, of course, 
that he prospers fairly well and suffers 
from no unforeseen causes. 
If he buy the farm, the chances and 
responsibilities will be greater than in 
taking a homestead. In the latter case, 
he could get along without many con¬ 
veniences found on the farm until he 
could well afford them. But it seems to 
me that he will have to take second- 
choice land under a new ditch which may 
furnish water or may not. These new 
ditches, where all the water is already 
appropriated, are almost as uncertain as 
our rainfall. The market may be more 
remote, and there are many things for 
him to consider of which I know nothing. 
Much depends upon himself. Can he 
see his way out by making an estimate 
on the crops he intends to raise ? They 
must not be estimated toi high, for there 
will be some partial failures at best. Re¬ 
member, it is easier to farm on paper 
than in the field. Is the water supply to 
be depended upon ? Is the soil up to 
the average in fertility ? If the answer 
is yes, and he thinks his zeal and energy 
can stand 100 degrees in the shade, he 
should buy the farm. w. s. s. 
Hoehne, Col. 
MEDICINE’S VICTORY. 
EVEN LOCOMOTOR ATAXIA SUCCUMBS TO 
ITS INFLUENCE. 
The Wonderful Recovery of a Man Who 
Was Supposed to be Incurable—In¬ 
terviewed by a Reporter. 
(From the Oswego (N. Y.) Palladium.) 
“ For nearly two years I suffered from 
locomotor ataxia. I tried numerous phy¬ 
sicians without experiencing the slightest 
relief. As a matter of fact, I was grow¬ 
ing worse all the time, until I was as 
badly off as human mortal could be, 
almost, and then I learned of Dr. Wil¬ 
liams’ Pink Pills for Pale People. I 
bought four boxes determined to give 
them a fair trial; stopped taking all 
other medicines and liniments, and here 
I am to-day, as well, and almost as strong 
as ever. Pink Pills gave me the relief 
I sought, and with much pleasure will I 
recommend them to others who suffered 
as I have.” 
That’s the story T. D. McCarthy, of 
No. 89 Varick Street, told to a Palladium 
reporter recently. 
Everybody in the Fifth Ward knows 
“ Tim ” McCarthy, and those who had 
seen him in his sickness, and now enjoy¬ 
ing his full health, regard his cure as 
something little short of miraculous. 
“Tell me of your sickness,” said the 
reporter. 
“There isn’t much to tell,” said Tim. 
“ I am 24 years old, unmarried, and 
when at home live with my parents in 
Varick Street. In October, 1892, I was 
working at my trade, that of a machin¬ 
ist, in the Eames Vacuum Break Works, 
at Watertown, N. Y. I had been sick 
for several weeks before I gave up and 
quit work. A tired feeling seemed to 
have taken possession of me, and rest as 
long and as well as I might I could not 
get rid of it. I took tonics and other 
medicines prescribed by the physicians 
there but kept getting worse all the 
time. Finally, I became so bad that I 
could only walk a short distance, and 
that with the greatest exertion. My 
limbs seemed to me like so much lead, 
and there was a hitch in my walk. While 
walking I couldn’t think of anything, 
not even the name of an acquaintance 
whom I might happen to meet in the 
street. Dr. Stevens, of Watertown, was 
my physician, and he it was who in¬ 
formed me that-1 suffered from locomo- 
tcr ataxia, and advised me to go to my 
home. In the Spring of 1892 I came to 
my father’s home in Oswego. I had 
about given up all hope of ever being 
anything but a helpless invalid. I couldn’t 
sleep at night, and the physicians who 
attended dosed me with morphine and 
other opiates. Every day I tried to 
walk, and every day I appeared to be 
less able than the day before. I was 
about the worst looking wreck of a 
young man that you could imagine. It 
was in June, 1893. that I began taking 
Dr. Williams’ Pink Pills for Pale People. 
I hadn’t used the first box when I began 
to feel beneficial effects. My limbs ap¬ 
peared to be stronger and better able to 
sustain me. Gradually this feeling in¬ 
creased until finally I was able to lay 
aside my crutch and cane. Now I can 
walk or run as well as ever. I have for 
sometime past engaged myself in light 
work. I can’t say too much for the Pink 
Pills. I hope every sufferer will try 
them.” 
Dr. Williams’ Pink Pills for Pale Peo¬ 
ple are not a patent medicine in the 
sense in which that term is usually 
understood, but are a scientific prepara¬ 
tion successfully used in general prac¬ 
tice for many years before being offered 
to the public generally. They contain 
in a condensed form all the elements 
necessary to give new life and richness 
to the blood, and restore shattered 
nerves. They are an unfailing specific 
for such diseases as locomotor ataxia, 
partial paralysis, St. Vitus’ dance, sciat¬ 
ica, neuralgia, rheumatism, nervous 
headache, the after effects of the grippe, 
palpitation of the heart, pale and sallow 
complexions, that tired feeling resulting 
from nervous prostration; all diseases 
resulting from vitiated humors in the 
blood, such as scrofula, chronic erysipe 
las, etc. They are also a specific for 
trouble peculiar to females, such as sup¬ 
pressions, irregularities, and all forms of 
weakness. They build up the blood and 
restore the glow of health to pale or sal¬ 
low cheeks. In men they effect a radi¬ 
cal cure in all cases arisiag from mental 
worry, overwork, or excesses of what¬ 
ever nature. 
These Pills are manufactured by the 
Dr. Williams’ Medicine Company, Sche¬ 
nectady, N. Y., and are sold only in 
boxes bearing the firm’s trademark and 
wrapper, at 50 cents a box, or six boxes 
for $2.50, and are never sold in bulk or by 
the dozen or hundred, and any dealer 
who offers substitutes in this form is 
trying to defraud you.— Adv. 
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