Year: 1867

We do not mean II you agree TO out


bad policy to agree to do it.


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 reasea together. 1t is hard


ly our interest to discourage renting


houses, but as this is Sunday, we will


waive interest and go for principle
First, YOU say you have no lot. Lease


one. then, or buy on long time. You


have no lumber or materials. 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 to build
a house, but are still a renter. All you
need to do is to anticipate these pay
ments-say for a year-borrow out of
bank or otherwise, and give your rising
building as security for enough to buy
the lumber-put up frame for three
or four rooms, live in it till fall without
plastering-plaster one room i'll 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 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 in
ternal improvements. They are harm
less if you only understand them, and
are good financier. They are fore
closed sometimes, but then you have a
year to redeem They will not gencr-
ally be foreclosed if you pay the in
terests promptly, which you can do
easier than to pay rent. If you are
sharp you can play with them like
Driesbach with his lions, and they won't
bite. Moreover. robhing Peter to pay
Paul is not robbery,if Peter is willing,
and will lend you the money 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 in the head whenever it grows
ugly and threatens violence, is familiar
one to all good financicrs.


Use your wits. Work more with
your head and you need not work so
much with your hands.


The richest men in the world are
those who commenced on nothing, and
have lifted themselves up by the straps
of their boots. They financiered like
our Radical men-who make colossal
fortunes on their bonds-without mo-
ney. Issue your bonds, and give the
roadbed and superstructure of your new
house as security.


But here nice young man answers
that his richer associates and friends
will snub him if he lives in such style.
Here is the great error of young men.
They wish to commence life in us Gle
giant style as their fathers lived in,
after aquarter of a century's hard work.
1t is the great error of the age-the
prolific source of celibacy and bachelor
hood, and operates as fraud upon good.
looking girls, who are cheated out of
husbands by such foolishness.


Respect yourself-act independently
take longer look at things-snub
the snubbers, and make them sick oft,
and in five years or less you will be
bowed to and courted by the same men.
The good will of such men is purchased
at too dear price. 1t is not worth
having.


You are coward. You are toady.
You are willing to sell out your home
and your independence for such weak
and unmanly sentimentalism. Dare to
follow your own line of policy if it is
honest and for your interest to do so,
ana do not allow q weak and snobbish |
raise pride to consign you to hard labor
Ior life as the tenant and vassal of your
landlord.


BY following this advice, the thou
sands of dollars you will give away for
rent 1 In ten years and have nothing to
fnow f for, will give you home of COM
tort and elegance, with wife, and
lahlly and all the influence of "our
most , respected citizens" :''This is the
way, walk we in it." 1t leads to indie
pendence, respectaLility, and h onor.