10. The Wages of Slovenly Farming.

Nothing was kept in order. Nothing was preserved. The wagons stood in the sun and rain, and the plows rusted in the fields. There was no leisure, no feeling that the work was done. It was all labor and weariness and vexation of spirit. The crops were destroyed by wandering herds, or they were put in too late, or too early, or they were blown down, or caught by the frost, or devoured by bugs, or stung by flies, or eaten by worms, or carried away by birds, or dug up by gophers, or washed away by floods, or dried up by the sun, or rotted in the stack, or heated in the crib, or they all ran to vines, or tops, or straw, or cobs. And when in spite of all these accidents that lie in wait between the plow and reaper, they did succeed in raising a good crop and a high price was offered, then the roads would be impassable. And when the roads got good, then the prices went down. Everything worked together for evil.

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11. The Farmer's Happy Winter

I can imagine no condition that carries with it such a promise of joy as that of the farmer in early winter. He has his cellar filled—he had made every preparation for the days of snow and storm—he looks forward to three months of ease and rest; to three months of fireside content; three months with wife and children; three months of long, delightful evenings; three months of home; three months of solid comfort.

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12. The Almighty Dollar

Ainsworth R. Spofford—says Col. Ingersoll—gives the following facts about interest: "One dollar loaned for one hundred years at six per cent., with the interest collected annually and added to the principal, will amount to three hundred and forty dollars. At eight per cent, it amounts to two thousand two hundred and three dollars. At three per cent, it amounts only to nineteen dollars and twenty-five cents. At ten per cent, it is thirteen thousand eight hundred and nine dollars, or about seven hundred times as much. At twelve per cent, it amounts to eighty-four thousand and seventy-five dollars, or more than four thousand times as much. At eighteen per cent, it amounts to fifteen million one hundred and forty-five thousand and seven dollars. At twenty-four per cent, it reaches the enormous sum of two billion, five hundred and fifty-one million, seven hundred and ninety-five thousand, four hundred and four dollars!" One dollar at compound interest, at twenty-four per cent., for one hundred years, would produce a sum equal to our national debt.

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13. The Farmer in Debt