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A12345 [The examination of vsury in two sermons.] Smith, Henry, 1550?-1591. 1591 (1591) STC 22660; ESTC S107786 20,249 52

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biting vsurie why then all vsurie is forbidden for all vsurie commeth of biting so the wise God hath giuen it a name to condemne it Lastly they alledge the Law of the land for it and say the Queenes statute doth allow vs to take vpon vsurie ten in the hundreth These are like the Iewes which said We haue a law and by our law he shall die whē they could not say by Gods law he shall die then they said by our law he shall die so when they cannot say by Gods law we may take vsurie they say by mans law we may take vsurie this is the poorest defence of all the rest for if Gods law forbid thee can any law of man excuse thee As it would not serue Adam to say the woman bad me so it will not serue the vsurer to say the Law doth licence me But he cannot say the Law doth license me for though peraduenture our Law do tollerate more than should be tollerated yet I would haue you know that our Law doth not allow ten in the hūdreth nor fiue in the hundreth nor one in the hundreth nor any vsurie at all but there is a restraint in our Law that no vsurer take aboue tenne in the hundreth it doth not allow ten in the hundreth but punisheth that tyrant which exacteth aboue ten in the hundreth It is much like that tolleration which we reade of diuorces For the hardnesse of mens hearts Christ saith that Moses did suffer the man and wife to part a sunder So for the hardnesse of mens hearts our Moses our Prince is faine to suffer as it were a kind of vsury because otherwise no men would lend These are the best excuses which our Vsurers haue to plead for themselues against they come before the tribunall of God if their reasons wil not stand before men nor their owne conscience how will they stand before the Lord And yet he which speaketh to these maketh himselfe a mock Christ preached many Sermons and was neuer scorned at any but when he preached against couetousnesse thē it is said that he was mocked shewing that these kind of men are most incorrigible and wedded to their sinne till death make them part Yet for their greater condemnation we are commāded to speak to them which wil not heare of which number is euerie reader of this Sermon if he be a Vsurer after Now you long to heare what the Vsurer is like To what shal I likē this generatiō They are like a Butlers box for as all the counters at last come to the Butler so all the mony at last commeth to the Vsurer ten after ten ten after ten and ten to ten til at last he receiue not only ten for an hundreth but an hundreth for ten This is the onely difference that the Butler can receiue no more than he deliuered but the Vsurer receiueth more than he deliuereth They are like a Moth euen as a Moth eateth a hole in cloath so Vsury eateth a hole in siluer If you haue a peece of siluer which is as much as an hūdred pounds in one yeare vsury will eate a hole in it as big as ten pounds in two yeares she will eate a hole as big as twentie pounds in three yeares she wil eate a hole as big as thirty pounds Nay now they say he is but a bad husband which cannot eate a hole as big as fiftie pounds in a yeare that is which cannot gain halfe in half how many holes haue these Moths eaten in poore mens garments They are like Nonresidēts that is such bad members that no man speaketh for them but thēselues As no mā standeth for Nonresidencie but he which is a Nonresident or he which would be a Nōresidēt so no mā stādeth for Vsurie but he which is an Vsurer or he which would be an vsurer They are like Iezabel which said Let me alone I haue a way If there be no way to liue saith the false Steward I know what to do I will deceiue so if there be no way to liue saith the vsurer I know what to do I will oppresse If I cannot liue by buying nor by selling nor by flattering nor by labouring I will liue by oppression But as one in his Cōmēt speakes to the false Steward Thou saiest I know what to do but doost thou know what thou shalt suffer So I say to vsurers you say you know what to do but do you know what you shal suffer In deed he knoweth not what to do which knoweth not to do well and therefore Christ said of his persecutors that they knew not what they did Here I will end the first dayes examination Now I may conclude with Paul I haue not spoken but the Lord therfore as the Lord said vnto Saul that he persecuted him so they which resist this doctrin do contemne him and not me The end of the first Sermon THE EXAMINATION of Vsurie The second Sermon IT remaineth that we speake of the vsurers punishment Then what may be thought of them which doe not take vsurie but giue vsurie Lastly what they should do which haue got their riches by vsurie To begin with the punishment not onely Gods law but euen the Cannon law doth so condemne vsurie that first it doth excommunicate him from the Church as though he had no communion with Saints Secondly it doth detaine him from the Sacraments as though he had no communion with Christ. Thirdly it doth depriue him of his Sepulcher and will not suffer him to be buried as though he were not worthy to lye in the earth but to lye in hel Lastly it maketh his will to be no will as though his goods were not his owne for nothing is ours but that which we haue rightly got therefore we say It is mine by right as though it were not ours vnles it be ours by right This is the iudgement of mans law Now you shall heare the iudgement of Gods law A vsurer doth receiue two Incomes one of the borrower and another of the reuēger of the borrower he lookes for gaine but of the reuenger he lookes for punishment therefore all the Scripture prophesieth euill vnto him as Michatah did to Achab. Salomon saith He which increaseth his riches by Vsury gathereth for them which will be mercifull to the poore As if he should say whē he hath loden himselfe like a cart he shall be vnloden like a cart againe and they shall inherite his money for whom he did neuer gather it For he which is vnmercifull to the poore meaneth not to gather for them which will be mercifull to the poore but Salomon saith That they shall be his heires which will be mercifull as he was vnmercifull Now mark whether this prophecie of Salomon be true I know not how many in this Citie do increase by vsurie but this prophesie seemeth to be verified of manie For it is noted that the
the paines and cares and labours of another for he taketh no paines himselfe but onely expecteth the time when his interest will come in like the belly which doth no worke yet eateth all the meate Whē God had finished his creatiō he said vnto mā and vnto beasts and vnto fishes Increase and multiplie but he neuer said vnto money increase and multiplie because it is a dead thing which hath no seede and therefore is not fit to ingender Therefore he which saith to his money increase multiply begetteth a mōstrous birth like Anah which deuised a creature which GOD had not created before Christ sayth to his Disciples If you loue but them which loue you what are you better than the Publicans for they loue their brethren so I may say if you will lend to none but to them which will pay you Vsurie for it what are you better than the Iewes for the Iewes would lend for Vsurie if you be no better than the Iewes then you shall speede no better than they for as Christ said Except your righteousnesse do exceede the righteousnesse of the Pharisies your reward shall not exceede the reward of the Pharisies so except your charitie doe exceede the charitie of the Iewes your reward shal not exceede the reward of the Iewes All this doth shew that the Vsurer is like Esau of whom God said Esau haue I hated Now in the 112. Psalme you shall see who is like Iacob of whom God saith Iacob haue I loued for there Dauid saith a good man is mercifull and lendeth and straight vpō it he setteth this crowne he shall neuer be moued but be had in perpetuall remembrance as if he should say this is the good mās Vsury this is his increase euē a good name euerlasting ioy Again in the 23. of Exod. it is said Lēd vnto him which wanteth without Vsurie that the Lord may blesse thee as if he should say let the Lord pay the increase feare not to be loosers by doing good for God hath giuen his word to requite it him selfe As he saith to them which were afraide to pay tithes and offer sacrifice Trie me if I will not powre downe a blessing vpon you so he seemeth to say vnto them which are afrayd to lēd trie me if I will not powre downe a blessing vpon you Whō will you trust if you do not trust your creator your father your redeemer your preseruer and your Sauiour Now you haue heard the vnlawfulnes of Vsurie you shall heare how many kindes there be of it As other crafts are called Mysteries so I may fitly call it the Mysterie of Vsurie for they haue deuised mo sorts of Vsurie thā there be trickes at cardes I cannot recken halfe and I am afrayde to shew you all least I should teach you to be Vsurers while I disswade you from Vsurie yet I will bring forth some and the same reasons which are alledged against these shall condemne all the rest Some will not take Vsurie but they wil haue the vse of your pasture or your land or your orchard or your teame or your kine vntill you pay the money agayne which in that time will grow to a greater gayne to the Vsurer and a greater losse to the borrower than if he had paide more money than other vsurers are wont to take Some will not take vsurie but they will take plate and vessell and tapistree and bedding and other houshold stuffe to vse and weare vntill their money come home which will lose more in the wearing than the interest of the money would come to This vsurie is forbiddē in the 2. of Amos where God complaineth faying They lye downe vpon the clothes which are laid to pledge shewing that we should not lye downe vpō such clothes that is we should not vse or weare the thing which is laid to pledge Some will take no Vsurie but they will take a pawne which is better than the money which they lend and then they will couenant that if he bring not the money agayne by such a day he forfetteth his pawne which day the Vsurer knoweth that the poore man is not able to keepe and so keepeth the pawne for his money which is worth twise his money This Vsurie is forbidden in Leuit. 25. where it is sayd Thou shalt not take Vsurie or vantage as if he should say thou shalt not take the forfeiture for then thou takest vantage when thou takest more than thou lendest Some will not take Vsurie but they will buy some thing at a small price and then couenant with the borrower that he buy the same agayne of the same price at such day which day the vsurer knoweth that the borrower is not able to keepe and so he getteth for a little that which the other might haue sold for much more This vsurie is condemned in the 1. Thessa. 4. where it is sayd Let no man defraude or circumuent his brethren in any thing Some will not take vsurie but they will lend out their money to occupiers vpon condition to be partakers in their gaines but not in their losses so one takes all the paines and abideth all the venture and the other which takes no paines reapeth halfe the profit This vsurie is forbiddē in 2. Thes. 3. 10. where it is sayd He which will not worke let him not eate Some will not take Vsurie but if he be a Labourer or a Mason or a Carpēter which borroweth of him he wil couenāt with him for so many days work he shal labour with him so many dayes or so many weekes for no money but the loane of money This Vsury is condemned in Luke 10. 7. where it is said The labourer is worthie of his hire Some will not take Vsurie but if you haue not presēt money to pay for their wares they will set a high price of them for the forbearing of the time and so they do not onely sell their wares but they sell time to that is they do not onely sell their owne but they sell Gods owne Therefore one saith of these When he selleth the day he selleth the light and when he selleth the night he selleth rest therefore when he would haue the light of heauen and the rest of Paradise it shall be said vnto him that he hath sold both alreadie For he sold light when he sold the day and he sold rest when he sold the night and therefore now he can haue neither light nor rest Hereafter let not the Londoners say that they giue time but that they sell time There be other Vsurers which will not lend themselues but giue leaue to their wiues and they play like hucksters that is euerie moneth a peny for a shilling which is one hundred for another in the yeare But that I was informed of them since this sermon was preached I had left out our capitall Vsurers which wil not lend any money because they dare