Owing to the close competition for householders among real-estate men, it is now almost as easy to purchase a suburban home as it is to rent one, and it is therefore advisable to do this. The interest on purchase, and the fixed charges of taxes, insurance, water rent, etc., should be counted as rent, but a higher percentage of income may be safely allotted to these than to rent proper, since the purchase is also an investment. As a rule, the increase of land value near a growing city will considerably exceed the diminution in the value of the improvements. Indeed, owing to the constant advance of cost of building material in recent years, there is often enhancement rather than depreciation in the house value. For these economic reasons it is advisable to buy an old house when its cost is less than the cost of constructing a new one of the same desirability. The home-seeker, however, should curb his propensity to make extensive alterations, for, one leading to another, he will find at the end (if he ever reaches it) that he has virtually built a new house at a cost greater than he could afford. On the other hand, he should avoid those houses built on speculation to sell. In these a showy appearance is gained at the expense of durability of construction, and the purchaser will find that he must pay in plumbing, coal bills, and general repairs an amount he had not calculated upon as interest on the home, for, unless he rebuilds the house at ruinous expense, these will be annual charges. The most satisfactory way, and the one leading to great enjoyment in satisfying the "nest-building" instinct which possesses newly mated people no less than birds, is for the owners themselves to plan and superintend the building of the home. There is an infinite variety of architectural plans spread before the homeseeker in books and magazines. An examination of these will be of great value to him in clarifying his hazy ideas, but he should not settle upon any one of them without expert opinion. He should employ a local architect, or at least a builder with practical architectural ideas, to examine every feature of the plan selected as nearest the homeseeker's ideal, and revise it according to local conditions, cost and availability of material, etc. Money is always well spent that relieves one of responsibility, enabling him to say thereafter, "Well, I did every thing I could to have the thing done properly."