The title of this work is an index of the performance. It is a collection of useful instructions for a young tradesman. The world is grown so wise of late, or (if you will) fancy themselves so, are so opiniatre, as the French well express it, so self-wise, that I expect some will tell us beforehand they know every thing already, and want none of my instructions; and to such, indeed, these instructions are not written.

Had I not, in a few years' experience, seen many young tradesmen miscarry, for want of those very cautions which are here given, I should have thought this work needless, and I am sure had never gone about to write it; but as the contrary is manifest, I thought, and think still, the world greatly wanted it.

And be it that those unfortunate creatures that have thus blown themselves up in trade, have miscarried for want of knowing, or for want of practising, what is here offered for their direction, whether for want of wit, or by too much wit, the thing is the same, and the direction is equally needful to both.

An old experienced pilot sometimes loses a ship by his assurance and over confidence of his knowledge, as effectually as a young pilot does by his ignorance and want of experience—this very thing, as I have been informed, was the occasion of the fatal disaster in which Sir Cloudesley Shovel, and so many hundred brave fellows, lost their lives in a moment upon the rocks of Scilly.^[1]

He that is above informing himself when he is in danger, is above pity when he miscarries—a young tradesman who sets up thus full of himself, and scorning advice from those who have gone before him, like a horse that rushes into the battle, is only fearless of danger because he does not understand it.

If there is not something extraordinary in the temper and genius of the tradesmen of this age, if there is not something very singular in their customs and methods, their conduct and behaviour in business; also, if there is not something different and more dangerous and fatal in the common road of trading, and tradesmen's management now, than ever was before, what is the reason that there are so many bankrupts and broken tradesmen now among us, more than ever were known before? I make no doubt but there is as much trade now, and as much gotten by trading, as there ever was in this nation, at least in our memory; and if we will allow other people to judge, they will tell us there is much more trade, and trade is much more gainful; what, then, must be the reason that the tradesmen cannot live on their trades, cannot keep open their shops, cannot maintain themselves and families, as well now as they could before? Something extraordinary must be the case.

There must be some failure in the tradesman—it can be nowhere else—either he is less sober and less frugal, less cautious of what he does, whom he trusts, how he lives, and how he behaves, than tradesmen used to be, or he is less industrious, less diligent, and takes less care and pains in his business, or something is the matter; it cannot be but if he had the same gain, and but the same expense which the former ages suffered tradesmen to thrive with, he would certainly thrive as they did. There must be something out of order in the foundation; he must fail in the essential part, or he would not fail in his trade. The same causes would have the same effects in all ages; the same gain, and but the same expense, would just leave him in the same place as it would have left his predecessor in the same shop; and yet we see one grow rich, and the other starve, under the very same circumstances.

The temper of the times explains the case to every body that pleases but to look into it. The expenses of a family are quite different now from what they have been. Tradesmen cannot live as tradesmen in the same class used to live; custom, and the manner of all the tradesmen round them, command a difference; and he that will not do as others do, is esteemed as nobody among them, and the tradesman is

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