chapter 5 Think and Grow Rich

CHAPTER 5
SPECIALIZED KNOWLEDGE
PERSONAL EXPERIENCES OR OBSERVATIONS
The Fourth Step toward Riches
THERE are two kinds of knowledge. One is general, the other is specialized.
General knowledge, no matter how great in quantity or variety it may be, is of
but little use in the accumulation of money. The faculties of the great
universities possess, in the aggregate, practically every form of general
knowledge known to civilization. Most of the professors have but little or no
money. They specialize on teaching knowledge, but they do not specialize on
the organization, or the use of knowledge.
KNOWLEDGE will not attract money, unless it is organized, and intelligently
directed, through practical PLANS OF ACTION, to the DEFINITE END of
accumulation of money. Lack of understanding of this fact has been the
source of confusion to millions of people who falsely believe that “knowledge
is power.” It is nothing of the sort! Knowledge is only potential power. It
becomes power only when, and if, it is organized into definite plans of action,
and directed to a definite end.
This “missing link” in all systems of education known to civilization today,
may be found in the failure of educational institutions to teach their students
HOW TO ORGANIZE AND USE KNOWLEDGE AFTER THEY
ACQUIRE IT. Many people make the mistake of assuming that, because
Henry Ford had but little “schooling,” he is not a man of “education.” Those
who make this mistake do not know Henry Ford, nor do they understand the
real meaning of the word “educate.” That word is derived from the Latin word
“educo,” meaning to educe, to draw out, to DEVELOP FROM WITHIN.
An educated man is not, necessarily, one who has an
abundance of general or specialized knowledge. An educated man is
one who has so developed the faculties of his mind that he may
acquire anything he wants, or its equivalent, without violating the
rights of others. Henry Ford comes well within the meaning of this definition.
During the world war, a Chicago newspaper published certain editorials in
which, among other statements, Henry Ford was called “an ignorant pacifist.”
Mr. Ford objected to the statements, and brought suit against the paper for
libeling him. When the suit was tried in the Courts, the attorneys for the paper
pleaded justification, and placed Mr. Ford, himself, on the witness stand, for
the purpose of proving to the jury that he was ignorant. The attorneys asked
Mr. Ford a great variety of questions, all of them intended to prove, by his
own evidence, that, while he might possess considerable specialized
knowledge pertaining to the manufacture of automobiles, he was, in the main,
ignorant.
Mr. Ford was plied with such questions as the following:
“Who was Benedict Arnold?” and “How many soldiers did the British send
over to America to put down the Rebellion of 1776?” In answer to the last
question, Mr. Ford replied, “I do not know the exact number of soldiers the
British sent over, but I have heard that it was a considerably larger number
than ever went back.”
Finally, Mr. Ford became tired of this line of questioning, and
in reply to a particularly offensive question, he leaned over, pointed
his finger at the lawyer who had asked the question, and said, “If I should
really WANT to answer the foolish question you have just asked, or any of the
other questions you have been asking me, let me remind you that I have a row
of electric push-buttons on my desk, and by pushing the right button, I can
summon to my aid men who can answer ANY question I desire to ask
concerning the business to which I am devoting most of my efforts. Now, will
you kindly tell me, WHY I should clutter up my mind with general
knowledge, for the purpose of being able to answer questions, when I have
men around me who can supply any knowledge I require?” There certainly
was good logic to that reply.
That answer floored the lawyer. Every person in the courtroom
realized it was the answer, not of an ignorant man, but of a man of
EDUCATION. Any man is educated who knows where to get knowledge
when he needs it, and how to organize that knowledge into
definite plans of action. Through the assistance of his “Master
Mind” group, Henry Ford had at his command all the specialized
knowledge he needed to enable him to become one of the wealthiest
men in America. It was not essential that he have this knowledge in
his own mind. Surely no person who has sufficient inclination and intelligence
to read a book of this nature can possibly miss the significance of this
illustration.
Before you can be sure of your ability to transmute DESIRE into its monetary
equivalent, you will require SPECIALIZED KNOWLEDGE of the service,
merchandise, or profession which you intend to offer in return for fortune.
Perhaps you may need much more specialized knowledge than you have the
ability or the inclination to acquire, and if this should be true, you may bridge
your weakness through the aid of your “Master Mind” group. Andrew
Carnegie stated that he, personally, knew nothing about the technical end of
the steel business; moreover, he did not particularly care to know anything
about it. The specialized knowledge which he required for the manufacture
and marketing of steel, he found available through the individual units of his
MASTER MIND GROUP.
The accumulation of great fortunes calls for POWER, and power is acquired
through highly organized and intelligently directed specialized knowledge, but
that knowledge does not, necessarily, have to be in the possession of the man
who accumulates the fortune.
The preceding paragraph should give hope and encouragement to the man
with ambition to accumulate a fortune, who has not possessed himself of the
necessary “education” to supply such specialized knowledge as he may
require. Men sometimes go through life suffering from “inferiority
complexes,” because they are not men of “education.” The man who can
organize and direct a “Master Mind” group of men who possess knowledge
useful in the accumulation of money, is just as much a man of education as
any man in the group. REMEMBER THIS, if you suffer from a feeling of
inferiority, because your schooling has been limited. Thomas A. Edison had
only three months of “schooling” during his entire life. He did not lack
education, neither did he die poor. Henry Ford had less than a sixth grade
“schooling” but he has managed to do pretty well by himself, financially.
SPECIALIZED KNOWLEDGE is among the most plentiful, and the cheapest
forms of service which may be had! If you doubt this, consult the payroll of
any university. IT PAYS TO KNOW HOW TO PURCHASE KNOWLEDGE
First of all, decide the sort of specialized knowledge you require, and the
purpose for which it is needed. To a large extent your major purpose in life,
the goal toward which you are working, will help determine what knowledge
you need. With this question settled, your next move requires that you have
accurate information concerning dependable sources of knowledge. The more
important of these are:
(a) One’s own experience and education
(b) Experience and education available through cooperation of others (Master
Mind Alliance)
(c) Colleges and Universities
(d) Public Libraries (Through books and periodicals in which may be found
all the knowledge organized by civilization)
(e) Special Training Courses (Through night schools and home study schools
in particular.)
As knowledge is acquired it must be organized and put into use, for a definite
purpose, through practical plans. Knowledge has no value except that which
can be gained from its application toward some worthy end. This is one reason
why college degrees are not valued more highly. They represent nothing but
miscellaneous knowledge.
If you contemplate taking additional schooling, first determine the purpose for
which you want the knowledge you are seeking, then learn where this
particular sort of knowledge can be obtained, from reliable sources.
Successful men, in all callings, never stop acquiring specialized knowledge
related to their major purpose, business, or profession. Those who are not
successful usually make the mistake of believing that the knowledge acquiring
period ends when one finishes school. The truth is that schooling does but
little more than to put one in the way of learning how to acquire practical
knowledge.
With this Changed World which began at the end of the
economic collapse, came also astounding changes in educational
requirements. The order of the day is SPECIALIZATION! This truthwas
emphasized by Robert P. Moore, secretary of appointments of Columbia
University.
“SPECIALISTS MOST SOUGHT
“Particularly sought after by employing companies are candidates who have
specialized in some field—business-school graduates with training in
accounting and statistics, engineers of all varieties, journalists, architects,
chemists, and also outstanding leaders and activity men of the senior class.
“The man who has been active on the campus, whose personality is such that
he gets along with all kinds of people and who ha s done an adequate job with
his studies has a most decided edge over the strictly academic student. Some
of these, because of their all-around qualifications, have received several
offers of positions, a few of them as many as six.
“In departing from the conception that the ‘straight A’ student was invariably
the one to get the choice of the better jobs, Mr. Moore said that most
companies look not only to academic records but to activity records and
personalities of the students. “One of the largest indus trial companies, the
leader in its field, in writing to Mr. Moore concerning prospective seniors at
the college, said:
“‘We are interested primarily in finding men who can make exceptional
progress in management work. For this reason we emphasize qualities of
character, intelligence and personality far more than specific educational
background.’
“APPRENTICESHIP’ PROPOSED
“Proposing a system of ‘apprenticing’ students in offices, stores and industrial
occupations during the summer vacation, Mr. Moore asserts that after the first
two or three years of college, every student should be asked ‘to choose a
definite future course and to call a halt if he has been merely pleasantly
drifting without purpose through an unspecialized academic curriculum.’
“Colleges and universities must face the practical
consideration that all professions and occupations now demand
specialists,” he said, urging that educational institutions accept
more direct responsibility for vocational guidance. One of the most reliable
and practical sources of knowledge available to those who need specialized
schooling, is the night schools operated in most large cities. The
correspondence schools give specialized training anywhere the U. S. mails go,
on all subjects that can be taught by the extens ion method. One advantage of
home study training is the flexibility of the study programme which permits
one to study during spare time. Another stupendous advantage of home study
training (if the school is carefully chosen), is the fact that most courses offered
by home study schools carry with them generous privileges of consultation
which can be of priceless value to those needing specialized knowledge. No
matter where you live, you can share the benefits. Anything acquired without
effort, and without cost is generally unappreciated, often discredited; perhaps
this is why we get so little from our marvelous opportunity in public schools.
The SELFDISCIPLINE one receives from a definite programme of
specialized study makes up to some extent, for the wasted opportunity when
knowledge was available without cost. Correspondence schools are highly
organized business institutions. Their tuition fees are so low that they are
forced to insist upon prompt payments. Being asked to pay, whether the
student makes good grades or poor, has the effect of causing one to follow
through with the course when he would otherwise drop it. The correspondence
schools have not stressed this point sufficiently, for the truth is that their
collection departments constitute the very finest sort of training on
DECISION, PROMPTNESS, ACTION and THE HABIT OF FINISHING
THAT WHICH ONE BEGINS.
I learned this from experience, more than twenty- five years ago. I enrolled for
a home study course in Advertising. After completing eight or ten lessons I
stopped studying, but the school did not stop sending me bills. Moreover, it
insisted upon payment, whether I kept up my studies or not. I decided that if I
had to pay for the course (which I had legally obligated myself to do), I should
complete the lessons and get my money’s worth. I felt, at the time, that the
collection system of the school was somewhat too well organized, but I
learned later in life that it was a valuable part of my training for which no
charge had been made. Being forced to pay, I went ahead and completed the
course. Later in life I discovered that the efficient collection system of that
school had been worth much in the form of money earned, because of the
training in advertising I had so reluctantly taken.
We have in this country what is said to be the greatest public school system in
the world. We have invested fabulous sums for fine buildings, we have
provided convenient transportation for children living in the rural districts, so
they may attend the best schools, but there is one astounding weakness to this
marvelous system—IT IS FREE! One of the strange things about human
beings is that they value only that which has a price. The free schools of
America, and the free public libraries, do not impress people because they are
free. This is the major reason why so many people find it necessary to acquire
additional training after they quit school and go lo work. It is also one of the
major reasons why EMPLOYERS GIVE GREATER CONSIDERATION TO
EMPLOYEES WHO TAKE HOME STUDY COURSES. They have learned,
from experience, that any person who has the ambition to give up a part of his
spare time to studying at home has in him those qualities which make for
leadership. This recognition is not a charitable gesture, it is sound business
judgment upon the part of the employers. There is one weakness in people for
which there is no remedy. It is the universal weakness of LACK OF
AMBITION! Persons, especially salaried people, who schedule their spare
time, to provide for home study, seldom remain at the bottom very long. Their
action opens the way for the upward climb, removes many obstacles from
their path, and gains the friendly interest of those who have the power to put
them in the way of OPPORTUNITY. The home study method of training is
especially suited to the needs of employed people who find, after leaving
school, that they must acquire additional specialized knowledge, but cannot
spare the time to go back to school.
The changed economic conditions prevailing since the depression have made
it necessary for thousands of people to find additional, or new sources of
income. For the majority of these, the solution to their problem may be found
only by acquiring specialized knowledge. Many will be forced to change their
occupations entirely. When a merchant finds that a certain line of
merchandise is not selling, he usually supplants it with another that is in
demand. The person whose business is that of marketing personal services
must also be an efficient merchant. If his services do not bring adequate
returns in one occupation, he must change to another, where broader
opportunities are available. Stuart Austin Wier prepared himself as a
Construction Engineer and followed this line of work until the depression
limited his market to where it did not give him the income he required. He
took inventory of himself, decided to change his profession to law, went back
to school and took special courses by which he prepared himself as a
corporation lawyer. Despite the fact the depression had not ended, he
completed his training, passed the Bar Examination, and quickly built a
lucrative law practice, in Dallas, Texas; in fact he is turning away clients.
Just to keep the record straight, and to anticipate the alibis of those who will
say, “I couldn’t go to school because I have a family to support,” or “I’m too
old,” I will add the information that Mr. Wier was past forty, and married
when he went back to school. Moreover, by carefully selecting highly
specialized courses, in colleges best prepared to teach the subjects chosen, Mr.
Wier completed in two years the work for which the majority of law students
require four years. IT PAYS TO KNOW HOW TO PURCHASE
KNOWLEDGE!
The person who stops studying merely because he has finished
school is forever hopelessly doomed to mediocrity, no matter what
may be his calling. The way of success is the way of continuous
pursuit of knowledge.
Let us consider a specific instance.
During the depression a salesman in a grocery store found himself without a
position. Having had some bookkeeping experience, he took a special course
in accounting, familiarized himself with all the latest bookkeeping and office
equipment, and went into business for himself. Starting with the grocer for
whom he had formerly worked, he made contracts with more than 100 small
merchants to keep their books, at a very nominal monthly fee. His idea was so
practical that he soon found it necessary to set up a portable office in a light
delivery truck, which he equipped with modern bookkeeping machinery. He
now has a fleet of these bookkeeping offices “on wheels” and employs a large
staff of assistants, thus providing small merchants with accounting service
equal to the best that money can buy, at very nominal cost.
Specialized knowledge, plus imagination, were the ingredients
that went into this unique and successful business. Last year the
owner of that business paid an income tax of almost ten times as
much as was paid by the merchant for whom he worked when the
depression forced upon him a temporary adversity which proved to be a
blessing in disguise.
The beginning of this successful business was an IDEA! Inasmuch as I had
the privilege of supplying the unemployed salesman with that idea, I now
assume the further privilege of suggesting another idea which has within it the
possibility of even greater income. Also the possibility of rendering useful
service to thousands of people who badly need that service. The idea was
suggested by the salesman who gave up selling and went into the business of
keeping books on a wholesale basis.
When the plan was suggested as a solution of his unemployment
problem, he quickly exclaimed, “I like the idea, but I would not
know how to turn it into cash.” In other words, he complained he
would not know how to market his bookkeeping knowledge after he
acquired it.
So, that brought up another problem which had to be solved. With the aid of a
young woman typist, clever at hand lettering, and who could put the story
together, a very attractive book was prepared, describing the adva ntages of the
new system of bookkeeping. The pages were neatly typed and pasted in an
ordinary scrapbook, which was used as a silent salesman with which the story
of this new business was so effectively told that its owner soon had more
accounts than he could handle.
There are thousands of people, all over the country, who need the services of a
merchandising specialist capable of preparing an attractive brief for use in
marketing personal services. The aggregate annual income from such a
service might easily exceed that received by the largest employment agency,
and the benefits of the service might be made far greater to the purchaser than
any to be obtained from an employment agency.
The IDEA here described was born of necessity, to bridge an emergency
which had to be covered, but it did not stop by merely serving one person. The
woman who created the idea has a keen IMAGINATION. She saw in her
newly born brain-child the making of a new profession, one that is destined to
render valuable service to thousands of people who need practical guidance in
marketing personal services.
Spurred to action by the instantaneous success of her first
“PREPARED PLAN TO MARKET PERSONAL SERVICES,” this
energetic woman turned next to the solution of a similar problem
for her son who had just finished college, but had been totally unable to find a
market for his services. The plan she originated for his use was the finest
specimen of merchandising of personal services I have ever seen.
When the plan book had been completed, it contained nearly fifty pages of
beautifully typed, properly organized information, telling the story of her
son’s native ability, schooling, personal experiences, and a great variety of
other information too extensive for description. The plan book also contained
a complete description of the position her son desired, together with a
marvelous word picture of the exact plan he would use in filling the position.
The preparation of the plan book required several week’s labor, during which
time its creator sent her son to the public library almost daily, to procure data
needed in selling his services to best advantage. She sent him, also to all the
competitors of his prospective employer, and gathered from them vital
information concerning their business methods which was of great value in
the formation of the plan he intended to use in filling the position he sought.
When the plan had been finished, it contained more than half a dozen very
fine suggestions for the use and benefit of the prospective employer. (The
suggestions were put into use by the company).
One may be inclined to ask, “Why go to all this trouble to secure a job?” The
answer is straight to the point, also it is dramatic, because it deals with a
subject which assumes the proportion of a tragedy with millions of men and
women whose sole source of income is personal services.
The answer is, “DOING A THING WELL NEVER IS TROUBLE! THE
PLAN PREPARED BY THIS WOMAN FOR THE BENEFIT OF HER SON,
HELPED HIM GET THE JOB FOR WHICH HE APPLIED, AT THE FIRST
INTERVIEW, AT A SALARY FIXED BY HIMSELF.” Moreover—and this,
too, is important—THE POSITION DID NOT REQUIRE THE YOUNG
MAN TO START AT THE BOTTOM. HE BEGAN AS A JUNIOR
EXECUTIVE, AT AN EXECUTIVE’S SALARY. “Why go to all this
trouble?” do you ask?
Well, for one thing, the PLANNED PRESENTATION of this young man’s
application for a position clipped off no less than ten years of time he would
have required to get to where he began, had he “started at the bottom and
worked his way up.”
This idea of starting at the bottom and working one’s way up
may appear to be sound, but the major objection to it is this-too many of those
who begin at the bottom never manage to lift their heads high enough to be
seen by OPPORTUNITY, so they remain at the bottom. It should be
remembered, also, that the outlook from the bottom is not so very bright or
encouraging. It has a tendency to kill off ambition. We call it “getting into a
rut,” which means that we accept our fate because we form the HABIT of
daily routine, a habit that finally becomes so strong we cease to try to throw it
off. And that is another reason why it pays to start one or two steps above the
bottom. By so doing one forms the HABIT of looking around, of observing
how others get ahead, of seeing OPPORTUNITY, and of embracing it without
hesitation.
Dan Halpin is a splendid example of what I mean. During his college days, he
was manager of the famous 1930 National Championship Notre Dame
football team, when it was under the direction of the late Knute Rockne.
Perhaps he was inspired by the great football coach to aim high, and NOT
MISTAKE TEMPORARY DEFEAT FOR FAILURE, just as Andrew
Carnegie, the great industrial leader, inspired his young business lieutenants to
set high goals for themselves. At any rate, young Halpin finished college at a
mighty unfavorable time, when the depression had made jobs scarce, so, after
a fling at investment banking and motion pictures, he took the first opening
with a potential future he could find—selling electrical hearing aids on a
commission basis. ANYONE COULD START IN THAT SORT OF JOB,
AND HALPIN KNEW IT, but it was enough to open the door of opportunity
to him.
For almost two years, he continued in a job not to his liking, and he would
never have risen above that job if he had not done something about his
dissatisfaction. He aimed, first, at the job of Assistant Sales Manager of his
company, and got the job. That one step upward placed him high enough
above the crowd to enable him to see still greater opportunity, also, it placed
him where OPPORTUNITY COULD SEE HIM.
He made such a fine record selling hearing aids, that A. M. Andrews,
Chairman of the Board of the Dictograph Products Company, a business
competitor of the company for which Halpin worked, wanted to know
something about that man Dan Halpin who was taking big sales away from
the long established Dictograph Company. He sent for Hal-pin. When the
interview was over, Halpin was the new Sales Manager, in charge of the
Acousticon Division. Then, to test young Halpin’s metal, Mr. And rews went
away to Florida for three months, leaving him to sink or swim in his new job.
He did not sink! Knute Rockne’s spirit of “All the world loves a winner, and
has no time for a loser inspired him to put so much into his job that he was
recently elected Vice-President of the company, and General Manager of the
Acousticon and Silent Radio Division, a job which most men would be proud
to earn through ten years of loyal effort. Halpin turned the trick in little more
than six months.
It is difficult to say whether Mr. Andrews or Mr. Halpin is more deserving of
eulogy, for the reason that both showed evidence of having an abundance of
that very rare quality known as IMAGINATION. Mr. Andrews deserves
credit for seeing, in young Halpin, a “go- getter” of the highest order. Halpin
deserves credit for REFUSING TO COMPROMISE WITH LIFE BY
ACCEPTING AND KEEPING A JOB HE DID NOT WANT, and that is one
of the major points I am trying to emphasize through this entire philosophy—
that we rise to high positions or remain at the bottom BECAUSE OF
CONDITIONS WE CAN CONTROL IF WE DESIRE TO CONTROL
THEM.
I am also trying to emphasize another point, namely, that both success and
failure are largely the results of HABIT! I have not the slightest doubt that
Dan Halpin’s close association with the greatest football coach America ever
knew, planted in his mind the same brand of DESIRE to excel which made the
Notre Dame football team world famous. Truly, there is something to the idea
that heroworship is helpful, provided one worships a WINNER. Halpin tells
me that Rockne was one of the world’s greatest leaders of men in all history.
My belief in the theory that business associations are vital factors, both in
failure and in success, was recently demonstrated, when my son Blair was
negotiating with Dan Halpin for a position. Mr. Halpin offered him a
beginning salary of about one half what he could have gotten from a rival
company. I brought parental pressure to bear, and induced him to accept the
place with Mr. Halpin, because I BELIEVE THAT CLOSE ASSOCIATION
WITH ONE WHO REFUSES TO COMPROMISE WITH
CIRCUMSTANCES HE DOES NOT LIKE, IS AN ASSET THAT CAN
NEVER BE MEASURED IN TERMS OF MONEY.
The bottom is a monotonous, dreary, unprofitable place for any person. That
is why I have taken the time to describe how lowly beginnings may be
circumvented by proper planning. Also, that is why so much space has been
devoted to a description of this new profession, created by a woman who was
inspired to do a fine job of PLANNING because she wanted her son to have a
favorable “break.” With the changed conditions ushered in by the world
economic collapse, came also the need for newer and better ways of
marketing PERSONAL SERVICES. It is hard to determine why someone had
not previously discovered this stupendous need, in view of the fact that more
money changes hands in return for personal services than for any other
purpose. The sum paid out monthly, to people who work for wages and
salaries, is so huge that it runs into hundreds of millions, and the annual
distribution amounts to billions.
Perhaps some will find, in the IDEA here briefly described, the nucleus of the
riches they DESIRE! Ideas with much less merit have been the seedlings from
which great fortunes have grown. Woolworth’s Five and Ten Cent Store idea,
for example, had far less merit, but it piled up a fortune for its creator.
Those seeing OPPORTUNITY lurking in this suggestion will find valuable
aid in the chapter on Organized Planning. Incidentally, an efficient
merchandiser of personal services would find a growing demand for his
services wherever there are men and women who seek better markets for their
services. By applying the Master Mind principle, a few people with suitable
talent, could form an alliance, and have a paying business very quickly. One
would need to be a fair writer, with a flair for advertising and selling, one
handy at typing and hand lettering, and one should be a first class business
getter who would let the world know about the service. If one person
possessed all these abilities, he might carry on the business alone, until it
outgrew him.
The woman who prepared the “Personal Service Sales Plan” for
her son now receives requests from all parts of the country for her
cooperation in preparing similar plans for others who desire to
market their personal services for more money. She has a staff of
expert typists, artists, and writers who have the ability to dramatize
the case history so effectively that one’s personal services can be
marketed for much more money than the prevailing wages for
similar services. She is so confident of her ability that she accepts,
as the major portion of her fee, a percentage of the increased pay she helps her
clients to earn.
It must not be supposed that her plan merely consists of clever salesmanship
by which she helps men and women to demand and receive more money for
he same services they formerly sold for less pay. She looks after the interests
of the purchaser as well as the seller of personal services, and so prepares her
plans that the employer receives full value for the additional money he pays.
The method by which she accomplishes this astonishing result is a
professional secret which she discloses to no one excepting her own clients.
If you have the IMAGINATION, and seek a more profitable outlet for your
personal services, this suggestion may be the stimulus for which you have
been searching. The IDEA is capable of yielding an income far greater than
that of the “average” doctor, lawyer, or engineer whose education required
several years in college. The idea is saleable to those seeking new positions, in
practically all positions calling for managerial or executive ability, and those
desiring re-arrangement of incomes in their present positions.
There is no fixed price for sound IDEAS!
Back of all IDEAS is specialized knowledge. Unfortunately, for those who do
not find riches in abundance, specialized knowledge is more abundant and
more easily acquired than IDEAS. Because of this very truth, there is a
universal demand and an ever- increasing opportunity for the person capable of
helping men and women to sell their personal services advantageously.
Capability means IMAGINATION, the one quality needed to combine
specialized knowledge with IDEAS, in the form of ORGANIZED PLANS
designed to yield riches.
If you have IMAGINATION this chapter may present you with an idea
sufficient to serve as the beginning of the riches you desire. Remember, the
IDEA is the main thing. Specialized knowledge may be found just around the
corner—any corner!