The purchasers pattern In two parts, containing. I. The true value of any purchase of land or houses by lease or otherwise: also, a moderate discourse of usury. With many observations, and tables of intrest and rebatement. II. The true measuring of land, board, timber, and gauging of cask: and discovering the false rules and deceits which are used by many therein. With many other rules and tables of daily use for most men. The second edition corrected and enlarged. By Hen. Philippes.

TABLES OF REBATEMENT, At Six per Centum.

Rebate at 6 per Centum.

	1 Moneth	2 Moneths	3 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.	5				30			1	59				89
10				60			1	19			1	77
15				90			1	78			2	66
Pounds	1			1	19			2	37			3	54
2			2	39			4	75			7	09
3			3	58			7	12			10	64
4			4	78			9	50		1	2	18
5			5	97			11	87		1	5	73
6			7	17		1	2	25		1	9	28
7			8	36		1	4	62		2	1	83
8			9	56		1	7	00		2	4	37
9			10	75		1	9	37		2	7	92
Pounds	10			11	94		1	11	76		2	11	47
20		1	11	88		3	11	52		5	10	93
30		2	11	82		5	11	29		8	10	40
40		3	11	76		7	11	05		11	9	87
50		4	11	70		9	10	81		14	9	34
60		5	11	64		11	10	58		17	8	80
70		6	11	59		13	10	34	1	0	8	27
80		7	11	53		15	10	10	1	3	7	74
90		8	11	47		17	9	86	1	6	7	21
	100		9	11	40		19	9	62	1	9	6	68
	200		19	10	80	1	19	7	24	2	19	1	36
	300	1	9	10	20	2	19	4	87	4	8	8	04
	400	1	19	9	61	3	19	2	49	5	18	2	72
	500	2	9	9	01	4	19	0	12	7	7	9	40
	600	2	19	8	41	5	18	9	74	8	17	4	08
	700	3	9	7	82	6	18	7	37	10	6	10	76
	800	3	19	7	22	7	18	4	99	11	16	5	44
	900	4	9	6	63	8	18	2	61	13	6	0	12
	1000	4	19	6	03	9	18	0	23	14	15	6	79

	4 Moneths	5 Moneths	6 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.	5			1	18			1	46			1	75
10			2	35			2	93			3	49
15			3	53			4	39			5	25
Pounds	1			4	70			5	85			6	99
2			9	41			11	71		1	1	98
3		1	2	12		1	5	56		1	8	97
4		1	6	82		1	11	41		2	3	96
5		1	11	53		2	5	27		2	10	95
6		2	4	24		2	11	12		3	5	94
7		2	8	94		3	4	97		4	0	93
8		3	1	65		3	10	83		4	7	92
9		3	6	35		4	4	68		5	2	91
Pounds	10		3	11	06		4	19	54		5	9	90
20		7	10	12		9	9	07		11	7	80
30		11	9	18		14	7	61		17	5	70
40		15	8	23		19	6	15	1	3	3	61
50		19	7	29	1	4	4	68	1	9	1	51
60	1	3	6	35	1	9	3	22	1	14	11	42
70	1	7	5	41	1	14	11	76	2	0	9	32
80	1	11	4	47	1	19	00	29	2	6	7	22
90	1	15	3	53	2	3	10	83	2	12	5	13
	100	1	19	2	59	2	8	9	16	2	18	3	03
	200	3	18	5	18	4	17	6	73	5	16	6	06
	300	5	17	7	76	7	6	4	10	8	14	9	09
	400	7	16	10	35	9	15	1	46	11	13	0	12
	500	9	16	0	94	12	3	10	83	14	11	3	14
	600	11	15	3	53	14	12	8	19	17	9	6	17
	700	13	14	6	12	17	1	5	56	20	7	9	20
	800	15	13	8	70	19	10	2	93	23	6	0	23
	900	17	12	11	29	21	19	0	29	26	4	3	26
	1000	19	12	1	88	24	7	9	66	29	2	6	29

	7 Moneths	8 Moneths	9 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.			2	03			2	31			2	58
10			4	06			4	61			5	17
15			6	09			6	97			7	75
Pounds.	1			8	11			9	23			10	33
2		1	4	23		1	6	46		1	8	67
3		2	0	35		2	3	69		2	7	00
4		2	8	46		3	0	92		3	5	34
5		3	4	58		3	10	15		4	3	67
6		4	0	69		4	7	38		5	2	01
7		4	8	83		5	4	62		6	0	34
8		5	4	93		6	1	85		6	10	68
9		6	1	04		6	11	08		7	9	01
Pounds.	10		6	9	16		7	8	31		8	7	35
20		13	6	32		15	4	61		17	2	70
30	1	0	3	48	1	3	0	92	1	5	10	05
40	1	7	0	64	1	10	9	23	1	14	5	40
50	1	13	9	80	1	18	5	54	2	3	0	75
60	2	0	6	96	2	6	1	85	2	11	8	10
70	2	7	4	12	2	13	10	15	3	0	3	45
80	2	14	1	28	3	1	6	46	3	8	10	80
90	3	0	10	44	3	9	2	77	3	17	6	15
	100	3	7	7	59	3	16	11	18	4	6	1	49
	200	6	15	3	19	7	13	10	15	8	12	2	98
	300	10	2	10	78	11	10	9	23	12	18	4	48
	400	13	10	6	38	15	7	8	3••	17	4	5	97
	500	16	18	1	97	19	4	7	3••	••1	10	7	46
	600	20	5	9	57	22	1	6	46	25	16	8	95
	700	23	12	5	16	26	18	5	54	30	3	10	45
	800	27	1	0	76	30	15	4	61	34	9	11	94
	900	30	8	8	35	34	12	3	69	38	15	1	44
	1000	33	16	3	95	38	9	2	77	43	1	2	93

	10 Moneths	11 Moneths	12 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.	5			2	85			3	1••			3	40
10			5	71			6	25			6	79
15			8	57			9	39			10	19
Pounds.	1		0	11	43		1	0	51		1	1	58
2		1	10	86		2	1	02		2	3	17
3		2	10	29		3	1	53		3	4	75
4		3	9	71		4	2	04		4	6	34
5		4	9	14		5	2	56		5	7	92
6		5	8	57		6	3	07		6	9	51
7		6	8	00		7	3	58		8	11	09
8		7	7	43		8	4	09		9	0	68
9		8	6	86		9	4	61		10	2	26
Pounds.	10		9	6	28		10	5	12		11	3	85
20		19	0	57	1	0	10	2••	1	2	7	70
30	1	8	6	86	1	11	3	35	1	13	11	55
40	1	18	1	14	2	1	8	••7	2	5	3	40
50	2	7	7	43	2	12	1	59	2	16	7	25
60	2	17	1	71	3	2	6	7••	3	7	11	15
70	3	6	8	00	3	12	11	83	3	19	2	95
80	3	16	2	29	4	3	4	95	4	10	6	80
90	4	5	8	57	4	13	10	07	5	1	10	65
	100	4	15	2	86	5	4	3	18	5	13	2	49
	200	9	10	5	71	10	8	6	37	11	6	4	98
	300	14	5	8	57	15	12	9	55	16	19	7	47
	400	19	0	11	43	20	17	0	74	22	12	9	96
	500	23	16	2	29	26	1	3	92	28	6	0	45
	600	28	11	5	15	31	5	7	11	••3	18	2	94
	700	33	6	8	00	36	9	10	29	39	12	5	43
	800	38	1	10	86	41	14	1	48	45	5	7	93
	900	42	17	1	72	46	18	4	66	50	18	10	42
	1000	47	12	4	57	52	2	7	85	56	12	0	90

	13 Moneths	14 Moneths	15 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.	5			3	06			3	92			4	19
10			7	02			7	85			8	37
15			10	98			11	78		1	0	56
Pounds.	1		1	2	64		1	3	70		1	4	74
2		2	5	29		2	7	40		2	9	49
3		3	7	94		3	11	10		4	2	23
4		4	10	59		5	2	80		5	6	98
5		6	1	24		6	6	50		6	11	72
6		7	3	89		7	10	20		8	4	47
7		8	6	53		9	1	90		9	9	21
8		9	9	18		10	5	61		11	1	96
9		10	11	83		11	9	31		12	6	70
Pounds.	10		12	02	48		13	1	1		13	11	44
20	1	4	4	96	1	6	2	2	1	07	10	88
30	1	16	7	44	1	19	3	3	2	01	10	32
40	2	8	9	91	2	12	4	4	2	15	9	76
50	3	1	0	39	3	05	5	5	3	09	9	21
60	3	13	2	87	3	18	6	6	4	03	8	65
70	4	5	5	45	4	11	7	7	5	07	8	09
80	4	17	7	83	5	4	8	8	5	11	7	53
90	5	9	10	31	5	17	9	9	6	05	6	98
	100	6	2	0	79	6	10	10	09	6	19	6	41
	200	12	4	1	58	13	1	8	19	13	19	0	83
	300	18	6	2	37	19	12	6	28	20	18	7	25
	400	24	8	3	15	26	3	4	37	27	18	1	67
	500	30	10	3	94	32	14	2	47	34	17	8	09
	600	36	12	4	73	39	6	0	56	41	17	2	51
	700	42	14	5	52	45	15	10	65	48	16	8	93
	800	48	16	6	31	52	6	8	75	55	16	3	35
	900	54	18	7	10	58	17	6	84	62	15	9	77
	1000	61	00	7	89	65	8	4	93	69	15	4	09

	16 Moneths	17 Moneths	18 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.	5			4	44			4	70			4	95
10			8	89			9	40			9	91
15		1	1	33		1	2	10		1	2	86
Pounds.	1		1	5	78		1	6	80		1	7	82
2		2	11	55		3	1	60		3	3	63
3		4	5	33		4	8	40		4	11	45
4		5	11	11		6	3	21		6	7	2••
5		7	4	89		7	10	01		8	3	0••
6		8	10	67		9	4	81		9	11	90
7		10	4	44		10	11	61		11	6	72
8		11	10	22		12	6	41		13	2	53
9		13	4	00		14	1	22		14	10	3••
Pounds.	10		14	9	78		15	8	02		16	6	1••
20	1	9	7	55	1	11	4	04	1	13	0	33
30	2	4	5	33	2	7	0	06	2	9	6	50
40	2	19	3	11	3	2	8	07	3	6	0	66
50	3	14	0	89	3	18	4	09	4	2	6	83
60	4	8	10	67	4	14	0	11	4	19	0	99
70	5	3	8	44	5	9	8	13	5	15	7	16
80	5	18	6	22	6	5	4	15	6	12	1	33
90	6	13	4	00	7	1	0	17	7	8	7	4••
	100	7	8	1	78	7	16	8	18	8	5	1	65
	200	14	16	3	55	15	13	4	37	16	10	3	30
	300	22	4	5	33	23	10	0	55	24	15	4	9••
	400	29	12	7	11	31	6	8	74	33	00	6	61
	500	37	0	8	89	39	3	4	92	41	05	8	26
	600	44	8	10	67	47	0	1	11	49	10	9	91
	700	51	17	0	44	54	16	9	29	57	15	11	56
	800	59	5	2	22	62	13	5	48	66	1	1	21
	900	67	13	4	00	70	10	1	66	74	6	2	87
	1000	74	1	5	78	78	6	9	84	82	11	4	51

	19 Moneths	20 Moneths	21 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.	5			5	20			5	45			05	70
10			10	41			10	91			11	40
15		1	3	62		1	4	36		1	05	10
Pounds.	1		01	08	82		01	09	82		01	10	80
2		03	05	64		03	07	64		03	09	61
3		05	02	46		05	05	46		05	08	42
4		06	11	29		07	03	27		07	07	22
5		08	08	11		09	01	19		09	06	03
6		10	04	93		10	10	91		11	04	83
7		12	01	75		12	08	73		13	03	64
8		13	10	57		14	06	55		15	02	45
9		15	07	40		16	04	37		17	01	25
Pounds.	10		17	04	22		18	02	18		19	00	05
20	1	14	08	44	1	16	04	36	1	18	00	11
30	2	12	00	66	2	14	06	54	2	17	00	16
40	3	09	04	88	3	12	08	72	3	16	00	22
50	4	06	09	10	4	10	10	91	4	15	00	27
60	5	04	01	32	5	09	01	09	5	14	00	33
70	6	01	05	54	6	07	03	27	6	13	00	38
80	6	18	09	76	7	05	05	45	7	12	00	44
90	7	16	01	98	8	03	07	64	8	11	00	49
	100	8	13	06	19	9	01	09	82	9	10	00	54
	200	17	07	00	38	18	03	07	64	19	00	01	08
	300	26	00	06	57	27	05	05	46	28	10	01	63
	400	34	14	00	77	36	07	03	27	38	00	02	17
	500	43	07	06	96	45	09	01	09	47	10	02	71
	600	52	01	01	15	54	10	10	91	57	00	03	26
	700	60	14	07	34	63	12	08	73	66	10	03	80
	800	69	08	01	53	72	14	06	55	76	00	04	34
	900	78	01	07	73	81	16	04	37	85	10	04	89
	1000	86	15	01	92	90	18	02	18	95	00	05	43

	22 Moneths	23 Moneths	24 Moneths
li.	sh.	d.	c.	li.	sh.	d.	c.	li.	sh.	d.	c.
Shill.	5			5	94			6	19			06	43
10			11	89		1	0	38		1	00	85
15		1	5	84		1	6	57		1	07	28
Pounds.	1		01	11	78		02	0	75		02	01	71
2		03	11	56		04	1	51		04	03	43
3		05	11	35		06	2	26		06	05	14
4		07	11	13		08	3	01		08	06	86
5		09	10	92		10	3	77		10	08	57
6		11	10	70		12	4	52		12	10	29
7		13	10	49		14	5	27		15	00	00
8		15	10	27		16	6	03		17	01	72
9		17	10	05		18	6	78		19	03	42
Pounds.	10		19	09	84	1	00	07	53	1	01	05	14
20	1	19	07	67	2	01	03	06	2	02	10	28
30	2	19	05	51	3	01	10	60	3	04	03	43
40	3	19	03	35	4	02	06	13	4	05	08	57
50	4	19	01	19	5	03	01	67	5	07	01	71
60	5	18	11	03	6	03	09	20	6	08	06	86
70	6	18	08	86	7	04	04	74	7	10	00	00
80	7	18	06	70	8	05	00	27	8	11	05	14
90	8	18	04	54	9	05	07	80	9	12	10	28
	100	9	18	02	38	10	06	03	34	10	14	03	43
	200	19	16	04	76	20	12	06	07	21	08	06	86
	300	29	14	07	14	30	18	10	01	32	02	10	29
	400	39	12	09	51	41	05	01	35	42	17	01	71
	500	49	10	11	89	51	11	04	68	53	11	05	14
	600	59	09	02	27	61	16	08	02	64	05	08	57
	700	69	07	04	65	72	03	11	36	75	00	00	00
	800	79	05	07	03	82	10	02	69	85	14	03	43
	900	89	03	09	41	92	16	06	03	96	8	06	86
	1000	99	01	11	78	103	2	09	36	107	2	10	28

The use of these Tables.

I.

WHat is the rebate out of 500 pound due 6 moneths hence, to be paid at pre∣sent? and so how much rea∣dy money will satisfie the said debt of 500 pound?

By the Table you shall finde that 14 pound, 11 shillings, 3 pence and half a farthing, is to be abated.

	li.	sh.	d.
So that, the debt being	500	00	00
The rebatement to be subtracted	14	11	3
So there remaines	485	08	09

And so much ready money will satisfie the said debt.

II.

If you cannot finde the whole debt in one line of the Tables, or if the debt be to be paid at two or three payments, then you must take it out of the Tables severally, and then adde them together.

As suppose A hath sold a bargain to B of 1500 pound, to be paid at three six moneths, 500 pound a time: what is the value of it in ready money?

	li.	sh.	d.	q.
The debt is	1500	00	00	0
Rebate of 500l. for 6 moneths	14	11	03	0
Rebate of 500l. for 12 mon.	28	06	00	2
Rebate of 500l. for 18 mon.	41	05	08	1
The Sum of the Rebates	84	02	11	3
Which substracted from the whole debt, there remaines	1415	17	00	1

The money which must be paid at present.

III.

There is another kinde of Rebate∣ment, by way of reducing divers times of payment all into one, which is many times used, but yet is not altogether so exact as it should be.

For example: Suppose the said debt of 1500 li. to be paid at three 6 moneths, what time will the whole debt be due to be paid altogether?

The rule is thus: First, multiply the summes of money, by the times of their payment, and adde the severall pro∣ducts together; thus,

500 pounds By 6 moneths	500 pounds by 12 moneths	500 pounds by 18 moneths
is 3000	is 6000	is 9000
		6000
Which three added together.	3000
The Sum of them all is	18000

And this product divided by the whol∣debt 1500 pound, the quotient will shey 12 moneths for the time of payment.

This rule is not much out of the way; yet somewhat it sails, as will appear by comparing it with the former. For if the said 1500 pound be to be paid all at 12 moneths, then the worth of it in rea∣dy money will appear to be but 1415 pound, 1 shilling, 10 pence, 2 farthings, whereas the true value of the debt in ready money was before found to be 1415 pound, 17 shillings, one farthing; by this means therefore the Creditour will lose 15 shillings, one peny, three farthings more then he ought to re∣bate.

Yet this way of reducing of payments comes so neer the exact truth, that I can∣not prescribe a better way in generall, to finde it out. But if any will be so punctual, and think it worth their la∣bour, let them try one by the other, and so finding the difference, which here is 15 shillings; finde out by the Tables of Interest, in how many dayes the 1500 pound will require 15 shillings Interest; and you shall finde the neerest time is 3 dayes. For the Interest of 1500 pound so three dayes is 14 shillings, 9 pence:

these three dayes therefore being taken from the 12 Moneths aforesaid, shewes the true time due for the payment of the whole 1500 pound.

IV.

If any will be so strict in their Re∣batements, as to look after any time un∣der a moneth; they may, by the former Tables of Interest, finde out the Interest of their principall debt for the odde dayes, and adde that to the Rebate∣ment for the moneths, without much errour.

But if they will be more exact, let them, by the Tables of daily Interest, finde out the Interest of 1••0 pound for the time desired, and work by the for∣mer rule, according to the rule of pro∣portion.

Thus, if you would know the rebate out of an hundred pound for 190 dayes.

The Interest for 190 dayes is 3 pound, 1200 parts. Therefore, As 103. 1200, li. to 10••; li. So 100, li. to 96, 9744. li.

Which is 96 pound, 19 shillings, 6 pence, ferè.

And thus much for these Tables of In∣terest. All that I have said hitherto hath been about Interest either simple or compound, by which you may see the good use which may be made thereof, and how the abuse may be avoided and prevented.

And here I thought to have put as end to this little Book. But since there are many other things of a generall concernment, and not impertinent to the former Discourse, I shall adde somewhat concerning a few of them, as briefly as I can.