A short appendix to a late treatise concerning abatement of usury by the same author. Culpeper, Thomas, Sir, 1626-1697. 1668 Approx. 7 KB of XML-encoded text transcribed from 4 1-bit group-IV TIFF page images. Text Creation Partnership, Ann Arbor, MI ; Oxford (UK) : 2003-11 (EEBO-TCP Phase 1). A35411 Wing C7563 ESTC R31353 11929498 ocm 11929498 51082 This keyboarded and encoded edition of the work described above is co-owned by the institutions providing financial support to the Early English Books Online Text Creation Partnership. This Phase I text is available for reuse, according to the terms of Creative Commons 0 1.0 Universal . The text can be copied, modified, distributed and performed, even for commercial purposes, all without asking permission. Early English books online. (EEBO-TCP ; phase 1, no. A35411) Transcribed from: (Early English Books Online ; image set 51082) Images scanned from microfilm: (Early English books, 1641-1700 ; 1001:18) A short appendix to a late treatise concerning abatement of usury by the same author. Culpeper, Thomas, Sir, 1626-1697. 7 p. Printed by Tho. Leach for Christopher Wilkinson ..., London : 1668. Attributed to Thomas Culpeper the younger by Wing and NUC pre-1956 imprints. Imperfect: pages stained and torn. Reproduction of original in the University of Illinois (Urbana-Champaign Campus). Library. Created by converting TCP files to TEI P5 using tcp2tei.xsl, TEI @ Oxford. Re-processed by University of Nebraska-Lincoln and Northwestern, with changes to facilitate morpho-syntactic tagging. Gap elements of known extent have been transformed into placeholder characters or elements to simplify the filling in of gaps by user contributors. 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Copies of the texts have been issued variously as SGML (TCP schema; ASCII text with mnemonic sdata character entities); displayable XML (TCP schema; characters represented either as UTF-8 Unicode or text strings within braces); or lossless XML (TEI P5, characters represented either as UTF-8 Unicode or TEI g elements). Keying and markup guidelines are available at the Text Creation Partnership web site . eng Usury -- England. Interest -- England. 2003-07 TCP Assigned for keying and markup 2003-07 Apex CoVantage Keyed and coded from ProQuest page images 2003-08 Mona Logarbo Sampled and proofread 2003-08 Mona Logarbo Text and markup reviewed and edited 2003-10 pfs Batch review (QC) and XML conversion A SHORT APPENDIX To a Late Treatise Concerning Abatement of Usury . By the same Author . LONDON , Printed by Tho. Leach , for Christoper Wilkinson , at the Black-Boy over against St. Dunstans Church in Fleetstreet . 1668. A Short APPENDIX To a late TREATISE &c. SInce the Publishing of my late Treatise concerning Usury , I have met with some Objections , commonly urged with great vehemency , which ( though in themselves frivolous enough , yet that nothing may remain unanswered ) I shall briefly examine . 1. We are all charged with ingratitude to God , and murmuring at his Goodness , in sending us such cheapness as we now enjoy ; 2. The People of England in general are taxed of incorrigible sloath : 3. The Gentry in particular are branded for dissoluteness : Betwixt these three , the Usurer endeavours to shift all blame from himself , by laying it upon other Shoulders . For the first of these , viz. Our ingatitude to God , &c. Surely we cannot thankfully enough acknowledge Gods compassion towards us , in affording us cheapness at this season , it being the only hopeful sign we have left , that , he intends not , now , our destruction ; For if , to the Calamities of War , Pestilence , and Fire , His Justice had likewise added that of Extreme Dearth , how could we have supported it ? Nevertheless it may concern us to enquire out the natural cause of our present cheapness ; For , if upon serious scrutiny it appear , we cannot impute it to the greatness of our late Crops , but rather to the deadness of Forein Markets , being cloyed by others who had greater Crops than we , and there ore undersel us ; We may have cause to apprehend ▪ That our present cheapness is almost a certain presage of future dearth : For surely , that our Crops begin to fail , it is only because we cannot afford our Lands their ordinary improvements , Being discouraged both by unprofitable Vent , and the high rate of our stock , which likewise forces us to sell at any Price : Now the Progress of this decay will soon disable even our ordinary Tillage : And meeting with the disasters incident to Husbandry , may unawares expose us to extreme scarcity , when money , perhaps , will be as scarce as Bread. The Prices of Grain and Fodder , one year with another , are certainly better now , then they were thirty or forty years since ; yet our Titheries , ( the Model of our yearly growth ) generally decline in value ; And whence can this come , but from the impoverishment of our Farms and Farmours ? Who , it seems are not able to Manure their Land , nor yet forbear the Market ; Since neither will answer Interest , with the inconveniencys attending it , which are such ; That many Farmours already can scarce afford to kill the Moles and level the Mole-hills in our best Meadows . For the second , viz. The incorigible sloath of our People , I should unwillingly grant , That Englishmen are not naturally more active and fit for labour than Hollanders ; I suppose they have formerly given better proof of themselves in most occasions : But , alas , their encouragements are not equal ; The one sure , that he works for himself , the other almost as sure , that he works for his Creditor : The Labourer in the Netherlands by steady Employment , still hoping to grow rich , however forced to work and fare hard , because Provisions are always dear ; In England ( betwixt dispair of thriving , and easiness of subsisting ) for the Present Wastful , Careless of the Future . For the third , viz. The dissoluteness of our Gentry : Methinks , it argues smal ingenuity in 〈…〉 first to oppress , and then reproach G 〈…〉 doth : Let me therefore make their Apology . Of Gentlemen , some have considerable Estates , others have little : For such as have little , it will not I doubt , be easy , now a days , to find any Employments , but Derogatory in Peace , or Mercenary in War. Object . But should they not betake themselves to one of the three faculties ? Answ. 1. Their Friends , many of them are not able ; 2. Themselves , some are not capable : 3. Our Professions , I fear are already full , even to overflowing : And if all must be Divines , Lawyers , or Physitians , where are the Patients , Clyants , and Cures ? Of such as have estates , some are free from Debt , others incumbred ; for the latter , I dare boldly say , That in many of their extravagancies , Frailty is only accessory , Usury is the Principal . For the former , I would ask any sober man , How Gentlemen , not naturally studious , ( as many sure are not ) shall spend their time : If they fall to Husbandry , they are by many upbraided with Rusticity , by more with imprudence , And perhaps both not altogether without cause ; For why should Gentlemen usurp the Farmours Calling , or hope to thrive themselves , where Tenants cannot . Object . But might they not turn Merchants ? Answ. Alas ! Therein is our cheifest Bane ; Our trade is now most hazardous , and with all intricate ; For our own Growth is certainly become a Drugg , and little to be gotten by the sale of it , being undersold by Three per cent ; Even superfluity , though of better Vent , will oft-times scarce answer Charges , without stealing the Duties , which are considerable in the Price : So as Gentlemen of estate being , in effect , excluded from all hope of profiting themselves by their Industry , ( if they be not Bookish ) sleep is , for ought I see , their cheapest Employment , and Company their manliest Diversion . But were our Estates by low Interest rendred improvable , to the Advantage both of our selves and the Common-wealth , Truly , he deserved not Land , that wanted Convenient Businesse ; Nor could he be excused from Lachesse , that found not out , at worst , a Comfortable Provision . Again , were Trade , by abateing the Rate of its stock , made generally gainfull , it would likewise soon grow transparent , so as we needed not dispair , without long Apprentiship to comprehend it ; Since , in Holland , Women , Nay Children now trade securely and profitably ; And then what should hinder ; but that all might be either Principals or Factors ? Till Improving of Land be cheaper than Purchasing , Industry more beneficial than Usury : Till Merchandising cease to be Mysterious , and become familiar to us . We must never look to flourish . FINIS .