The interest commonly paid for money, advanced upon receipts for salaries, was 5 PER CENT. PER MONTH, or three creutzers, for the florin; and there were instances of even much larger interest being given.
The severest laws had been made to prevent these abuses, but means were constantly found to evade them; and, instead of putting an end to the evil, they frequently served rather to increase it.
It occurred to me, that as any tradesman may be ruined by another who can afford to undersell him, so it might be possible to ruin the usurers, by setting up the business in opposition to them, and furnishing money to borrowers upon more reasonable terms. In order to make this experiment, a caise of advance (Vorschuss Cassa), containing 30,000 florins, was established at the military pay-office, where any person in the actual receipt of a salary or pension under government, in any department of the state, civil or military, might receive in advance, upon his personal application, his salary or pension for one or for two months upon a deduction of interest at the rate of 5 PER CENT. PER ANNUM, or one twelfth part of the interest commonly extorted by the Jews and other usurers upon those occasions.
The great number of persons who have availed themselves of the advantages held out to them by this establishment, and who still continue to avail themselves of them, shows how effectually the establishment has been to remedy the evil it was designed to eradicate.
The number of persons who apply to this chest for assistance each month, is at a medium from 300 to 400, and the sums actually in advance, amount in general to above 20,000 florins.
As no money is advanced from this chest but upon government securities that is to say, upon receipts for salaries, and pensions, there is no risque attending the operation; and as the interest arising from the money advanced, is more than sufficient to defray the expence of carrying on the business, there is no loss whatever attending it.
An Account of a SCHEME for employing the SOLDIERY in BAVARIA in repairing the Highways and Public Roads.
I had formed a plan, which, if it had been executed, would have rendered the military posts or patroles of cavalry established in all parts of the Elector's dominions much more interesting, and more useful[2]. I wished to have employed the soldiery exclusively in the repairs of all the highways in the country, and to have united this undertaking with the establishment of permanent military stations, on all the high roads, for the preservation of order and public tranquillity.
It is a great hardship upon the inhabitants in any country to be obliged to leave their own domestic affairs, and turn out with their cattle and servants, when called upon, to work upon the public roads; but this was peculiarly grievous in Bavaria, where labourers are so scarce that the farmers are frequently obliged to leave a great part of their grounds uncultivated for want of hands.
My plan was to measure all the public roads from the capital cities in the Elector's dominions to the frontiers, and all cross country roads; placing mile-stones regularly numbered upon each road, at regular distances of one hour, or half a German mile from each other;—to divide each road into as many stations as it contained mile-stones; each station extending from one mile-stone to another; and to erect in the middle of each station, by the road-side, a small house, with stabling for three or four horses, and with a small garden adjoining to it;—to place in each of these houses, a small detachment of cavalry of three or four men, —a soldier on furlough, employed to take care of the road and keep it in repair within the limits of the station;—an invalid soldier to take care of the house, and to receive orders and messages in the absence of the others,—to take care of the garden, to provide provisions, and cook for the family.