Your Hero can learn a number of different skills, that can help you in different situations. For an explanation of exactly how skill points can be distributed, see the short text on the distribution of skill points, at the bottom of this page. Links to the individual skills and their bonuses are below.
To raise a skill to the level of Master, you must spend a total of 6 points on that skill - i.e., skill levels cost the following:
You may remove and redistribute skills at any time, if you so wish - at a cost. Removing a skill costs 100 coins for Apprentice level, 200 coins at an Advanced level, and 300 coins as a Master. In any one round, you are allowed redistribute a maximum of 10 skill points.
This is an overview of your settlement, where information on your resources and buildings is available.