by the sale of the mortgage bonds, which are usually renewed when
due, and are sought out as a safe and sane form of investment.

The fact that a mortgage payment has to be met on a farm is often
in itself the strongest inducement to industry and economy.




CHAPTER IV

WILLS



Whether farmer, manufacturer, merchant or professional man, and
whether in youth, mid-age or declining years, every owner of
personal or real property, or both, should make a will.

If you have not made a will, get over the foolish notion that it
is a premonition of death, and do so at once.

A will is a written and signed declaration of the disposition one
wishes to have made of his property in the event of his death.

The maker of a valid will must be of sound mind and not less than
twenty-one years of age.

Women, whether married or single, if of proper age, are competent
to make a will.