162 
THE RURAL NEW-YORKER. 
March 9 
Can I Afford to Borrow ? 
13. D., Westchester County, N. Y.— 
That depends very largely on the I. Some 
men have good ability to borrow, and 
poor capacity to repay; in that case, 
debt brings worry, if not for the debtor, 
then for the creditor. The character of 
the wife affects the solution of the ques¬ 
tion. If she belongs to the large family 
of “must-haves,” borrowing money would 
better be left alone ; but a prudent, eco¬ 
nomical helpmeet, who is willing to help 
her husband hustle for a living, and who 
cheerfully advises the transaction, is a 
grand help in decreasing debt. There¬ 
fore, no debt should be incurred with¬ 
out considering how to lighten her 
labors, and to make her services more 
valuable. As the primary question in 
this case is concerning watering con¬ 
veniences. let the water flow into the 
house and dairy room, then afterwards 
into the stables. 
Too many of our farms ax - e run on too 
small capital, and money borrowed at a 
low rate of interest can be used as pru¬ 
dently by the farmer as by a young man 
making a start in commercial life. Money 
invested in good, remunerative stock, in 
inoney-savingappliances, in labor-saving 
utensils, ought to bring a large profit 
above interest paid. Any prudent man 
borrowing money, will plan both how 
he will pay the interest, and steadily 
build up a sinking fund, so as to reduce 
the principal at no distant date. And 
here the man is blessed whose wife proves 
to be a good bookkeeper. Besides, as 
the present times are financially close, 
and the prices of farm products are fluc¬ 
tuating, it is best to discount prospective 
gains at least 50 per cent, and thus to 
keep on the very safe side. 
How shall borrowed money be used ? 
Here hinges the whole question of suc¬ 
cess. Not for any other purpose than it 
would be used were it the fruit of several 
years’ saving, and expected to bring 
in a steady income. Dead principal will 
sink any man. A growing investment 
will lift a man out of the ruts. Funds 
used for show and to keep up with the 
prevailing style, will be a millstone 
about the neck, while capital employed 
to make the whole farm productive and 
labor lighter, will keep a man young. Is 
the farmer ready to borrow ? Not until 
he lias learned the worth of money and 
the difficulty in slow accumulation. An 
enterprising young man just starting in 
life, wished to borrow money to build a 
larger house and a new barn. He was 
soon convinced that was imprudent, and 
now his plans are matured for crops of 
peas and oats, Crimson clover, Hungarian 
grass, a variety of root crops, corn, corn 
stover, fodder corn and mixed hay. With 
such preparation for crops, he is ready to 
tear down a dividing stone fence, to build 
a retaining wall against a rocky terrace, 
and it will be prudent now to loan him 
money to build a stone root house and a 
good cattle barn against his wall. He 
has learned the value to him of extra 
capital, and how to build prudently for 
the present with good facilities for en¬ 
largement when he has bred up a good 
dairy herd, as he wisely intends to add 
either some thoroughbred or high-grade 
cows during the coming season. A man 
without any experience in poultry rais¬ 
ing. proposed to borrow enough money 
to put up a series of buildings, and to 
mvest largfely in expensive stock. A 
business man insisted that there is much 
to learn before he could make poultry 
raising profitable. lie was not prepared 
to lend him money until he had com¬ 
menced to build up a good flock from 
eggs laid by thoroughbred fowls, and the 
candidate had practically learned the 
sources of loss as well as of profit in the 
business, and had found out the wants of 
his market and how to supply them. Our 
YWi MiiimEw w 
BATEMAN M F G C O 
farms need more capital, but all the 
same, they demand brains, and intelli¬ 
gent management of the funds in hand. 
Nut Trees Near Fruits. 
P. S., Luzerne County, Pa.—B lack 
walnut trees are poison to apple trees, 
tomatoes and cabbage, and probably to 
everything else, grass excepted. A few 
years since, I set 100 apple trees on a 
strip of land where black walnuts were 
growing at either end of the piece, and 
all the apple trees have died that were 
reached by the roots of the walnut trees. 
Tomato plants appear to grow well 
enough till they are about three-fourths 
grown ; then they commence wilting 
and never amount to anything. 
E. A. II., Canobie Lake, N. H.—I 
have had no experience with black wal¬ 
nuts (Juglans nigra) in connection with 
fruit trees, as they do not grow here ; 
but I have butternut trees (Juglans alba) 
growing within 30 feet of apple, plum 
and cherry trees, and have seen no in¬ 
jurious effects from such close proximity. 
I have a butternut tree growing so 
closely to an apple tree, that their trunks 
touch, but both bear fruit. Belonging 
to the same family, why should not one 
be as injurious as the other ? 
More About Cherries. 
F. M. W., Brunswick, III.—I would 
plant Dyehouse, Early Richmond, Mont¬ 
morency Ordinaire, Suda’s Hardy and 
German Ostheimer cherries. With us, 
Dyehouse is large enough, but 1 can’t 
yet say as to its productiveness. It 
ripensa few days before Early Richmond. 
Montmorency follows about, 10 days 
later. For late varieties one cannot go 
astray in planting Suda’s Hardy and 
German Ostheimer. Out of 1,000 trees 
planted about five years ago, German 
Ostheimer pleased me the most. It 
ripens late, will not rot, hangs long on 
the tree, and is full of highly colored 
dark juice, good enough for the Queen’s 
taste ; bears regularly and abundantly, 
even young trees not over three feet 
high having fine specimens ; blooms late. 
(Continued on next page.) 
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BOSTON, MASS 
Every one -who 
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fr should have a 
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wheel hoes and the 
“IRON AGE” culti¬ 
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MODEL ” Seed Drill, as it is 
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light and 
strong. It will 
sow from 
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the largest 
seed, viz., cel- ' & 
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Big PETER HENDERSON & GO. 
35 & 37 COUTLANDT ST., NEW YORK. 
