Year: 1868

Dau pollcy to agree to do so.


Any man who is able to pay rent can


build house. This will strike you as a


bold proposition and hard to believe, but


let us reason together.


1t is hardly our interests to discourage
renting houses, but we will waive interest
and 60 for principle.


First, you say you have no lot, Lease
one, then, or buy one on time, You have
no lumber or material. You are paying
one hundred or two hundred dollars Cor
rent. When you pay it. it is gone, and at
the end of two or three years you have
paid out enough to build house and ara
still renter. All you need is to antici-
pate these payments-say for year.
Borrow out of bank and otherwise, and
give your rising building as security for
enough to buy lumber; put up frame for
three or four rooms; plaster one in the
Fall, and instead of paying monthly rents,
finish the rooms one by one, as YOU are
able, and in two or three years you can
have home paid for, and you can begin
to pay for your leased lot and own it your
self. - =


You are afraid of mortgages, you say.
Why they are the poor mans friend. -
They a"e the life-boats in the wreck fog
q man in debt. They build all our rail-
roads and great internal improvements
They are harmless if you understand them
and are good fnancier They are fore. 5
closed sometimes, but they will not gencr-
ally he foreclosed if you pay the interest
promptly, which you can do easier than
pay the rent. If you are sharp, you can
play with them like Driesbach with the liz
ons, and they won't bite Moreover, rob.s,
bing Peter to pay Paul is not robbery, if
Peter is willing and will lend you the mo-
ney on new mortgage to pay the old one;
and there are always Peters who live by
doing this kind of business.


The process of knocking an old mort
gage on the head, whenever it grows ugly
and threatens violence, is familiar one to
all good financiers. i2+


Use your wits. Work with your head.
and you will not have to work SO much
with your hands.


The richest men in the world are those
who commenced on nothing. and lifted E
themselves up by the straps of their boots.


But here nice young man answers that
his richer associates and friends will snub
him if be lives in that style. Here is the
great error of Young men. They wish TO
commence life in as elegant style rs their
fathers lived in, after quarter of centu-
rvs hard work. Tt is the great error of
the age-the prolific source of celibacy
and bachelorhood, and operates as a fraud
upon good looking girls who are cheated
out of husbands bv such fooEshness.


Respect yoursclf-act independently
take a longer look at things-snub the
and make them sick of it-and
in five years you will be bowed to and
nourtcd by the same men The good will
Of such mon is purchased at too dear
price. 1t is not worth having.


You are coward. You are willing to
sell your home and your independence for
such weak and unmanly sentimentalism. i
Dare to follow your own line of policy lift -
S honest and for your interest to do So
md not allow weak and snobbish pride to
,onsign you to hard labor for life, as the 2
enant and vassal of yoar landlord. III


BY following this advice the thousands Il
If dollars you will give away for rent in &
en years, having nothing to show for it,
will give you home of comfort and ole
rance, with a wife and family, and all the
influence of one of ''our respected citizens,a


''This is the way-walk ye in it," It'Fe
eads to independence, respectability ard
lonor.