How to successfully cross a river without using money

The title sums it up. I have tried fording 4 foot deep rivers, thinking my wagon and oxen would be tall enough not to drown.
I have never forded successfully. My party members always drown or I always lose items.
Caulking seems to be more successful though. Every so often I cross the river without losing people or items.
It seems like the only way to cross a river without losing anything is to pay for a ferry or trade with an Indian to guide you, so I was wondering if there is there a way to successfully cross rivers without paying or trading?
I'm playing the 1990 version. It can be played here.
Best Answer
Success Chances
Fording Rivers:
less than 3 ft; 80% chance
greater than 3 ft; 40% chance
Caulking Wagon and Floating:
less than 5 ft; 85% chance
greater than 5 ft; 25% chance
Taking A Ferry: 80% chance
Hiring an Indian (Shoshoni): 90% chance
Tip: Unless you have less than $10, DO NOT take the Columbia River route. It is nearly impossible. Take the Barlow Toll, which usually costs around $10.
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What is the best way to cross a river?
Cross as a group when the water is especially swift or deep. The strongest person should be slightly upstream to break the current for the others. Cross in a line holding onto each other's pack straps, side by side with arms linked, or in a tripod with arms linked.How do you cross over water?
If you're alone, cross by facing upstream and shuffle-walking in a diagonal path downstream. Lean slightly into the current. Cross in a group if the current is swift and/or strong, or if the water is deep. Duos should walk side by side, arms around each other's waists or with arms linked.How do you cross a flooded river?
Listen for submerged rocks rolling downstream. The bigger they are, the stronger the current. Never cross above rapids, falls or other hazards. Identify a safe exit point(s) on the other side before committing.Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.
Images: Andrea Piacquadio, Liza Summer, Andrea Piacquadio, Andrea Piacquadio