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Updated: June 22, 2025
If they had made him a Money Lender, or a sharp Attorney, or a Sheriff's Officer, or a Broker, he might have sown his discontented oats in his youth, and, after having had the full run of himself in ill-natured transactions, might have turned out amiable, at last, for the sake of a little freshness and novelty.
This rate is not excessive, so long as public opinion allows the borrower from time to time to slay the lender; but modern administration calls that riot and murder. Some years ago, therefore, there was established a State-guaranteed Bank which lent to the cultivators at eight per cent, and the cultivator zealously availed himself of that privilege.
Our acquaintance was, therefore, natural enough, especially when it is considered that my purse was entirely at his disposal for borrowing is twice blessed, in him that takes and him that gives the receiver becomes complaisant and conceding, and the lender thinks favourably of one he has obliged. "We parted at Spa, under a mutual promise to write.
He is asked, "How came you to take bonds for this money, if it was not your own? How came you to vitiate and corrupt the state of the Company's records, and to state yourself a lender to the Company, when in reality you were their debtor?" You shall hear the account which Mr. Hastings himself gives, his own fraudulent representation, of these corrupt transactions.
The spirit loses its hopefulness and independence and becomes servile and cringing. Milton represents our first parents, after their first sin, as intoxicated in delight, but the consciousness of their degradation and shame soon followed. So the first sensation from a loan is of relief and hope; the future looks bright, but the sense of subjection to the lender is sure to follow.
This, in connection with all the other advantages derived from their investment, would afford to the public creditors a fair and liberal compensation for the use of their capital, and with this they should be satisfied. The lessons of the past admonish the lender that it is not well to be over-anxious in exacting from the borrower rigid compliance with the letter of the bond.
The right guide is the pivot of the front rank. Each rear-rank man obliques on the same ground as his file leader. Being in column of platoons, to change direction: 1. At the first command the leader of the lending platoon commands: RIGHT TURN. At the command MARCH the leading platoon turns to the right on moving pivot; its lender commands: 1. Forward, 2. MARCH, on completion of the turn.
In answer to the question whether the lender may keep what the borrower pays, not out of gratitude, but out of fear that otherwise loans will be refused to him in future, Ligouri says that "to be usury, it must be paid by reason of a contract, or as justly due; payment by reason of such a fear does not cause interest to be paid as an actual price," Again the great saint and doctor tells us that "it is not usury to exact something in return for the danger and expense of regaining the principal!"
When the promise to pay is issued by a government which decides the value of currency, and accepted by that government as payment for taxes and other obligations, it is more readily acceptable than paper issued and guaranteed by an individual money lender or banker.
He had joy of many widows and spinsters, to each of whom he said: "There's a grief-livener you are," and all of whom he gave over on hearing of the widow of Drefach. Her he married, and with the money he got with her, and the money he borrowed, he bought Deinol. Soon he was freed from the hands of his lender.
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