DEVELOPMENT BY WILL-POWER his second lesson in finance is to learn how to keep his money and make it earn more. He must study how to increase his net profits. This is more a matter of efficiency than willpower. (3) SxkiLL. We have now learned that there is practically no such thing as an ‘‘ unskilled ”’ job. No matter how simple a job is, there is one best way to do it. There is one right way to shovel coal, to lay bricks, to wrap a parcel, to greet a customer, and so on. Now that so many specialists are springing up, business is evolving into hundreds of professions. The day of the amateur is done. The old-fashioned guess-work is being driven out by experts. To-day, a man of large affairs must not only have the skill that his job requires, he must surround himself with specialists—with a great variety of skills. Managing a factory has become a profession. A Works Manager to-day must be more than a glorified Foreman. He requires fully as much skill as an architect or a civil engineer. Salesmanship, too, has become a profession. It has its principles and its methods. A thousand books have been written on it. In 11