Others are concerned in the cargoes, as in the herring fishery at
Yarmouth and the adjacent ports, the colliery at Newcastle, Sunderland,
&c., and the like in many other cases.

In this case, the shopkeeper is sometimes a merchant adventurer, whether
he will or not, and some of his business runs into sea-adventures, as in
the salt trade at Sheffield, in Northumberland, and Durham, and again at
Limington; and again in the coal trade, from Whitehaven in Cumberland to
Ireland, and the like.

These considerations urged me to direct due cautions to such tradesmen,
and such as would be particular to them, especially not to launch out in
adventures beyond the compass of their stocks,[3] and withal to manage
those things with due wariness. But this work had not room for those
things; and as that sort of amphibious tradesmen, for such they are,
trading both by water and by land, are not of the kind with those
particularly aimed at in these sheets, I thought it was better to leave
them quite out than to touch but lightly upon them.

I had also designed one chapter or letter to my inland tradesmen, upon
the most important subject of borrowing money upon interest, which is
one of the most dangerous things a tradesman is exposed to. It is a
pleasant thing to a tradesman to see his credit rise, and men offer him
money to trade with, upon so slender a consideration as five per cent.
interest, when he gets ten per cent. perhaps twice in the year; but it
is a snare of the most dangerous kind in the event, and has been the
ruin of so many tradesmen, that, though I had not room for it in the
work, I could not let it pass without this notice in the preface.

1. Interest-money eats deep into the tradesman's profits, because it is