Section IV. Application to Business.--Every person ought to have one principal object of pursuit, and steadily pursue it. Perseverance of a shopkeeper. All _useful_ employments respectable. Character of a _drone_. 117-120 Section V. Proper Time and Season of doing Business.--When to deal with the gloomy; the intemperate; those unhappy in domestic life; men involved in public concerns. 120-122 Section VI. Buying upon Trust.--Live within our income. _Calculate._ Buy nothing but what you need. Estimates and examples to show the folly of credit. Not intended as lessons of stinginess. 122-127 Section VII. We should endeavor to do our business ourselves. Four reasons. Trusting dependants. We can do many little things without hindrance. 127-130 Section VIII. Over Trading.--A species of _fraud_. Arises from a desire to get rich rapidly. Wickedness of monopolies. 130-131 Section IX. Making contracts beforehand. Always make bargains beforehand. Three reasons. If possible, reduce every thing to writing. 131-132 Section X. How to know with whom to deal.--Two rules. How to detect a knave. All men by nature, avaricious. Avoid those who boast of _good bargains_. Avoid sanguine promisers. 133-135 Section XI. How to take Men as they are.--How to regard a miser; a passionate man; a slow man; the covetous; those ruled by their wives; the boasting; the mild tempered; the bully. Six sorts of people from whom you are not to expect much aid or sympathy in life: the sordid, the lazy, the busy, the rich, those miserable from poverty, and the silly. 136-140 Section XII. Of desiring the good opinion of others.--Those not far from ruin who _don't care_.--The other extreme to be avoided. 140-141 Section XIII. Intermeddling with the affairs of others.--Matchmakers. Taking sides in quarrels. Ishmaelites. 142-143 Section XIV. On keeping Secrets.--Who may safely be trusted. Anecdotes. 143-145 Section XV. Fear of Poverty.--Little real poverty in this country. Shame of being thought poor leads to worse evils than poverty itself. Fear of poverty often a cause of suicide. 145-150 Section XVI. Speculation.--The habit early formed. It is a species of gaming. Its sources. 150-152 Section XVII. Lawsuits.--Avoid the law. Litigiousness, a disease. Consider what is gained by it. Examples of loss. Subdue the passions which lead to it. Lawsuits unnecessary. 152-156 Section XVIII. Hard dealing.--Its unchristian nature. _Two prices._ Habits of the Mohammedans. 156-157 CHAPTER III.--ON AMUSEMENTS AND INDULGENCES.