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he urban dweller. Vast as is the field of operation, it has accomplished appreciable results in New York City. Could not companies be formed to begin where the City and Suburban Homes Company leaves off? Two possibilities suggest themselves. One is the purchase and sale of land, and the other is disinterested advice. In this imperfect world perfection can never be attained, and with the best efforts mistakes will be made. With a strange perversity men often turn from those who are their true friends and give their confidence to the unscrupulous. A typical case is this: A man sold his small farm at a fair price. Those to whom he sold it were apprehensive lest he should waste the money and tried to help him make a wise investment. He had every reason for confidence in those who were trying to help him and who had never misled him, yet he was evidently suspicious that they were trying to serve their own ends. Shortly after receiving the money he took a journey into Canada, fell into the hands of land sharks, and lost every dollar he had received in the purchase of worthless lands. As a business becomes professional in character, connections are established with educational institutions. Medicine and law both occur to one as illustrations. Our universities are now developing courses in land economics, and these are going to be helpful in solving the problems of land settlement, as well as other land problems. Mention has been made of the length of time needed to pay for a farm. No mistake is more frequent than the mistake made in underestimating the length of time needed to buy a farm and to pay for it under the amortization plan--that is to say, by yearly installments, which include, with interest, a portion of the capital. Ireland affords a good illustration. As one great Land Act has followed another, the length of time for the payment of the farm has been increased, until now the amortization period is about sixty-eight years. With the higher return to labor in this country the writer thinks twenty-five to thirty years is about right. When we have this period for payment the annual payments of principal are small and the farmer has the sense of ownership and is able to bring up his family, giving the children a good education, and enjoying life as he goes on. All plans for land settlement should include long credit payments for land purchase; also provision of shorter periods for purchase of equipment. We are ma
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