Power of the Will-Self-denial-Management of Income-Debt -Temptations of Deferred Payment-Borrowing-Repaying -Necessary and Voluntary Expenditure-Record of Personal Expenditure-Expense of Externals-Dress-How Money is Wasted Claiming One's Own-Putting by for a Rainy Day -Economy not Parsimony-"Treating"-Associating with THE EMPLOYÉ IN RELATION TO THE EMPLOYER. Honesty-Honesty in Discharge of Duties-Idle Habits-Waste- fulness-Incentives to Diligence-Punctuality-Concentrated SOME OF THE AMENITIES OF BUSINESS LIFE. General Conversation-Real and Fictitious Politeness-Politeness in Addressing Superiors-Obsequiousness objectionable- Bluntness and Discourtesy-Awkwardness and Timidity- Discretion in Speech-Undue Familiarity-Courtesy-Com- plaisance-Temper-Value of a Good Name-Objectionable People and Places-Promises-Conversation with Superiors Differences of Organisation-The General Manager's or Partner's Room-Correspondence-The Cashier's Department-Book- Account Books-Cheques-Collection of Vouchers-Collection of Objections to Apprenticeships-Runaways-Discipline of Appren- CHAPTER XIII. TECHNICAL EDUCATION. A Technological Syllabus and List of Books recommended for Study-Necessity for Technical Education-Technological Educational Agencies - Acquisition of Technical Instruction ... page 99 Health-Early Rising-Attitude at Work-Dancing-Cultivation 118 APPENDIX I. What Successful Men have said about Success : 127 APPENDIX II. Business Maxims-Another Code of Life Rules-Miscellaneous Counsels and Maxims-An Alphabet of Short Rules-Rules for Self-government-Lord Wolseley on Success in Life 133 THE YOUTH'S BUSINESS INTRODUCTION. HE Stages of Life.-If we were called upon to lay down an ideal plan for the training of a business man, we should divide the years previously to his attaining his "majority" into three equal parts, each consisting of the "perfect" number (seven) of years. Up to seven years of age is the period of childhood; from seven to fourteen, the period of boyhood; from fourteen to twenty-one, the period of youth; and after that age should begin the real active and practical business of life, with all its attendant necessities, responsibilities, and anxieties. These periods should coincide respectively with home education, school education, and workshop or technical education. The legal age of attaining manhood is twenty-one; previously to that, the position is one of minority. The law throws upon the parent the responsibility, first of maintaining, secondly of protecting, thirdly of educating the "infant," as he is termed. Up to that age there are certain legal "disabilities"; for instance, the minor may not make certain kinds of contracts, and some kinds of debts cannot be recovered by any one who has given credit to a minor. He may have been apprenticed, but the bond or indenture legally, though not morally, ceases to have effect when he has reached his majority. The normal period of apprenticeship is seven years, and this seems to entail such a division of years into periods as that suggested. The due and complete education appropriate to each of the three periods can seldom indeed be acquired in less time than the seven years. A few remarks on the two first stages may be added in this place; not so much for the benefit of parents and guardians as for the consideratior. of youths, who, having grown up to years of discretion, may find their preliminary training defective, and desire to remedy its shortcomings. Home Education (Age to 7).—At this stage the work of education devolves chiefly upon parents and guardians, or instructors. The physical condition of the child must be regarded chiefly, although his higher capacities ought not to be overlooked. His general health must be carefully watched, his organs of perception and imitation cultivated, and his feelings and emotions rightly trained and directed. Above all, his moral character should be ardently implanted, or, at least, everything done that is possible to make that character a good and useful one. Character is formed by three all-important elements. First, there must be good and noble ends in view; second, the best means to accomplish these ends must be learned and understood; third, there must be a strong desire to accomplish these ends. A desire for knowledge must first of all be awakened, then strengthened and intensified. If properly presented, there is pleasure in acquiring learning as well as in the possession of it. School Education (Age, 7 to 14).-The child now passes away from some of the benign and protecting |