probably overdue. He is unable to pay; the mortgage is foreclosed, and the unhappy immigrant finds that verily he has come to a strange land and is among strangers.
The intending settler must not imagine that, because he has a knowledge of English farming, he is therefore competent to commence farming "right away" in New Zealand. Doubtless his knowledge will be of great importance and usefulness, but not until after he has learnt the way in which farms are conducted in the Colony. If he has capital, he had better put it in the bank and draw only what is necessary