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.
About this Item
Title
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.
Author
Phillippes, Henry, d. 1677?
Publication
London :: Printed by R. & W. Leybourn, for T. Pierrepont, at the Sun in Pauls Church-yard,
1654.
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Link to this Item
http://name.umdl.umich.edu/A54733.0001.001
Cite this Item
"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." In the digital collection Early English Books Online 2. https://name.umdl.umich.edu/A54733.0001.001. University of Michigan Library Digital Collections. Accessed June 18, 2024.
Pages
descriptionPage 126
OF Rebatement.
MErchants, though they sel∣dome let out money to use, yer they often take up much; and that not onely the com∣mon way by Bond, which I spake of be∣fore, but by way of rebatement; which is thus.
A Merchant being to sell any commo∣dity, he either sells it for ready money, or to be paid at a certain time, viz. 3, 6, or 12 Moneths after. But the bar∣gain being thus made, it often falls out, that with good convenience, to the buy∣er, or seller, or both, to have this mo∣ney paid before it be due; and then there is and ought to be an allowance or ••••batement between them out of the
descriptionPage 127
principall, according to the rate of In∣terest-money allowed at that time.
Now this rebatement hath been usu∣ally reckoned by the Tables ordinary Interest, abating so much out of the principall debt, as the use of the said principall would come to in the time agreed upon. But in reckoning thus, there will alwayes be some dammage to the Creditour who doth abate, which though in little summes, will not be much, yet in greater summes of money, such as this rebatement is most used in, it will be very considerable, and is of late used by the most skilfull Mer∣chants.
For example.
The Interest of an hundred pound for six moneths comes to 3 pound. But Now suppose A oweth to B an hun∣dred pound, to be paid six moneths hence: and A and B are agreed to give and take rebate; here ought not to be 3 pound abated out of the hundred pound. Indeed, if the debt had been
descriptionPage 128
103 pound, then there should have been 3 pound abated out of the debt; but there being but an hundred pound due in all, and that not till the end of six moneths; there must be so much a lesse proportion for the abatement, as there is a difference between 103 and 100; which may be thus found by the rule of proportion,
li.
li.
li.
li.
As 103,
to 100;
so 100,
to 97.0874.
Which is 97 pound, •• shilling, 9 pence. So that there is onely 2 pound, 18 shil∣lings, 3 pence to be abated, and not 3 pound, as by the other reckoning.
Therefore if you would finde out the worth of any debt, duc hereafter in rea∣dy money; First, finde out by the Ta∣bles of Interest, what an hundred pound will yield in the time desired: then work by the rule of proportion thus,
descriptionPage 129
As an 100 pound, with the Interest thereof for that time,
Is to an 100 pounds;
...So the debt to be paid at that time,
...To its worth in ready money.
Thus, to finde the worth of an hun∣dred pound, due 12 moneths hence.
As 106, to 100; so 100, to 94.3396.
Which is 94 pound, 6 shillings, 9 pence, 2 farthings. So that here is not six pounds to be abated out of the 100 pound, (as some have thought) but 5 pound, 13 shillings, 2 pence, 2 far∣things. And thus the cred tour may save 6 shillings, 9 pence, 2 saithings, which by the other way of reconing he will re∣bate in his own wrong. And if the sum be greater, or the time of payment long∣er, his damage will be more.
Again, you see that this money to be rebated doth not increase equally, in an equall time; there was 2 pound, 18 shil∣ngs, 3 pence, to be abated out of the
descriptionPage 130
100 pound, due at 6 Moneths, but there is but 5 pound, 13 shillings, 2 pence, 2 far∣things to be abated for the 100 pounds due at 12 Moneths; which is not the double of the other, for so it should have been, 5 pound, 16 shillings, 6 pence. So that these Tables must be cast up for every Moneth at the least, which is the most usuall way of reckoning the times of payments among Merchants, and thus I have drawn them out to 24 Moneths, which is as long (I think) as any Merrchant de∣sires to trust.
descriptionPage [unnumbered]
TABLES OF REBATEMENT, At Six per Centum.
descriptionPage [unnumbered]
descriptionPage [unnumbered]
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
descriptionPage [unnumbered]
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
descriptionPage [unnumbered]
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
descriptionPage [unnumbered]
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
descriptionPage [unnumbered]
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
descriptionPage [unnumbered]
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
descriptionPage [unnumbered]
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
descriptionPage [unnumbered]
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
descriptionPage 141
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.
descriptionPage 142
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.
descriptionPage 143
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.
descriptionPage 144
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:
descriptionPage 145
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.
descriptionPage 146
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.
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