Herald and tribune. [volume] (Jonesborough, Tenn.) 1869-current, 1881-09-01
NO. As
AMoTReAeE ON THE FARM.

pestilence.
Never put a mortgage on year
. farm.
No matter how hard pressed you
are, never be tempted to do it. If
you do, you will regret it to the last
day of your life.
No matter if you do want to fix
up the house, or buy more land, OF
get better team, or send the boys
to college, or buy the girls a piano
don't mortgage the farm to do it!
1t will hang like an incubus over
you. 1t will bind you to tho wheel.
1t will make slave of you, until the
holder Of the mortgage steps in and
fOrecloses, and sells your homestead
for half what it is worth, .and ends
the matter.
| Many circumstances may arise
which place you in tight place.
You may need money in cases Of
sickness, Your need may be impera-
tive, and mortgaging may appear
feasible-but don't do it! If You
must have the money, sell the farm
yourself, and begin anew. It will
be better in the long run, for then
you will be working for yourself,
and not to pay interest which brings
you no nearer paying the original
| debt.
Our sympathies always go toward
the farmer who has q mortgsga on
his farm We have watched the
thing over and over again, andswe
know just how it works. He has
not q dollar that he canseall ;his
own. The man who holds the mort
gage wants every dollar that he can
grab. He hovers round, ready to
pOunce on the cash which comes in.
from the sales of the pet colt, the
young calf, the few chickens the
children have raised, the butter the
thrifty housewife has managed to
spare.
The farmer with his home mort
gagged cannot indulge in luxuries.
Ii he gets a new coat, it'is--rema rked
upon. If his wife INDUCES in a new
dress, somebody says. they had bet
ter be paying up the mortgage. IT
his son drives by with smart horse
the old gossips nod their heads at
each other, and speak about "put-
ting on style, and his fathers farm
mortgagedr
Who can feel an interest i'm a
piece of property whichTis only his
In name? Who cares about making
farm more valuable, that some
man he owes may profit by it! The
fact OF it is, none OF us have all
preached near enough to perfection
to feel any great anxiety to spend
our life's toiling to enrich somebody
out OF our family. It isn't natural.
And farming is @ work in which -
man, to be successful, must be i'll
terested, and to which he must
bring his best energies, and his
most vigorous and determined
strength. He must get up every
morning with the resolution: "I
will do something to-day that will
tell on the farm.''
He should be able to lie down ey-
cry night, with the assurance to
soothe him to sleep: ~ have beae-
fitted Imy farm. by one days work,
at least, this day" How can man
do this for farm that is mortgaged9
He knows that it is only a qucs-
ton of time when Mr.. A-or NE.
B. will step in blandly and smil-
ingly, and plead hard times, it is
always hard times with capitalists,
and foreclose the mortgage. True,
there is the right of redemption.
But wha5 man ever yet redeemed
his farm? Not one out of forty.
Then the place must be disposed of.
and we all know that anything
sold at forced sale never brings it's
value.
And when it is done, and the roof
is gone from over the heads of his
wife and children, and he is home
less, he has nothing to comfort him
in looking back, for he knows that
he has paid interest enough in all
these weary years of Indebtedness
to almost discharge the debt, and
now his all has gone into the hun
CRY nav of the creditor.
So we end as we began-never
mortgage your farm! Sell it, if you
must, but sell it yourself, and do not
spend your life. earning money to
pay out in interest, for interest goes
on While yon sleep, ard it does not
take long tor it to eat the ordinary
fs1r x<,,.s L