Year: 1868

We do not mean if you agree to- but bad
policy to agree to do so.


Any man who is able to pay rent can build a
house. This will strike you as a bold PROPOSE
tiOn and hard to believe, but let us reason to-
gether.


1t is hardly our interest to discourage rent
ing houses, but we will waive interest and go
for principle


First you say you have no lot Lease one
then, or buy one on time. You have no lum-
ber or material You are paying one hundred
or two hundred dollars for rent. When you
pay it, it is gone, and at the end of two or
three years you have paid out enough money
to build house, and are still a renter. All
you need is to anticipate these paymentS-say
for year. Borrow out of bank or 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 paw Tor yOtr leased lot
and own it yourself


You are afraid of mortgages, yOu say. Why
they are the poor mans friend. They are the
life boats in the wreck for the man in debt
They build all our railroads and great internal
improvements. They are harmless if you only
understand them, and are good fnancer.-
] IuNN are lOICclOSCu SOulCilIlcS, buL IllCl yOu
have a year to redeem. They will not gener
ally be torecloScd if you pay the interest
promptly which you can do easier than to pay
the rent. you are sharp, you can play with
| them like Dresbach with the lions and they
won't bite. Moreover, robbing Peter to pay
! Paul is not robbery, if Peter is willing, and
will lend you the money on a 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 mortgage on
the head, whenever it grows ugly and threat
ems violence, is familiar one to all good fnan-
cicrS.


Use your wits. Work with your head, and
you will not have to work so hard with your
hands


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


But here a nice young man answers that his
richer associates and friends will snub him if
he lives in that STYLE Here is the great error
Of young men. They wish to commence life
in as elegant style as their father lived in, after
quarter of century's hard work. 1t is the
great error of the age-the prolific source OF
celbacy and bachelorhood, and operates as a
fraud upon good looking girls who are cheated
out of husbands by such foOliShnesS.
Respect yourself-act independently a
longer look at things-snub the snubbers, and
make them sick of it-and in five years you
will be bowed to and courted by the same men
The goodwill of such men is purchased at toe
dear price. 1t is not worth having.


You are coward. You are willing to sci
your home and independence for such weak
and u1manly sentimentalism. Dare to follow
your own line of policy if it is honest and fo
your interest to do sO-and not allow weak anC
snObbish pride to cOnsign you to hard labor fo
life as the tenant and vassal of your landlord.


BY following this advice the thousands o
dollars you will give away for rent in ten years
having nothing to show for, will give you
home of comfort and elegance, with wife an(
family, and all the influence of ''our respected
citizens. This is the way-walk We in it. ,
1t leads to independence, responsibility anc
honor.