d pounds; and in twenty more, if the country improves as fast as
it does now, at least fifteen thousand pounds.

In looking out for a property in Canada, always try to obtain a
water-power, or the means of erecting one, by damming up any swift
stream; its value will, in a few years, be very great; and never
consider a few dollars an acre more, if you have transport by water, or
are close to a good market. You must look forward to what the country
_will be_, not to what it is at present.

Half-pay officers settle in Upper Canada with great advantages, arising
from the circumstance, that their annual pay is always a resource to
fill back upon. A very small capital is sufficient in this case; and,
if prudent, they gradually rise to independence, if not to wealth.
There are, however, one or two cautions to be given to these gentlemen.
_Never go into the bush_ if you can help it: accustomed to society, you
will find the total loss of it too serious. If you have a wife and
large family, they may partially compensate for the loss, but even then
it is better to locate yourself near a small town. If you are a single
man and sit down in the bush, you are lost. Hundreds have done so, and
the result has been, that they have resorted to _intemperance_, and have
died ruined men.

But the settlers most required in Upper Canada, and those who would reap
the most golden harvest, are men of capital; when I say capital, I mean
those who possess a sum of four or five thousand pounds--a sum very
inadequate to support a person in England who has been born and bred as
a gentleman; but in Canada, with such a sum, he can not only farm, but
speculate to great advantage. At present the Americans go over there
every year, and realise large sums of money. Indeed, capital is so much
required in Upper Canada, and may be employed to such advantage, that I
wonder people, with what may be considered as small capitals here, do
not go over. The only caution to give them is, not to be in a hurry; in
the course of a year or two they will understand what they are about,
and then they will soon become wealthy.

When I arrived at Toronto, I was called upon by an old friend who had
often shot with me in Norfolk. His father had once set him up in
business, but the house failed. He resolved to go out to Canada, and
his father gave him a _thousand pounds_ as a start, and allowed him two
hundred pounds a year afterwards. He had been in the country sev