Excerpt from Building, Loan and Savings Associations: How to Organize and Successfully Conduct Them, Embracing the Origin and History of Co-Operative Societies; Objects and Benefits of Building Associations; How to Organize and Successfully Conduct Them; Leagues; Legislation; Constitution and by-Laws; Forms In presenting this, the third edition of a treatise on Building, Loan and Savings Associations to the public, the author realizes that the conditions that obtained at the time of its first publication have changed materially. At that time there was practically no literature on this subject. The different systems, the methods in vogue in various sections of the country were little known and less understood outside of their own locality. Information was gathered largely by word of mouth and the general knowledge, even among officers and directors, was limited. Systems and practices grew up seemingly indigenous to the community where they originated. Customs of varying merit, once established, were adhered to with a tenacity and local pride that was commendable for its honesty of purpose, but which did not always reflect credit on the wisdom of those responsible. There was a dearth of practical, reliable information and a consequent divergence of practices and methods. Today it is not an exaggeration to say that a transformation has taken place. The literature on the subject has grown to voluminous proportions. In this respect, as in many others, the leagues - national, state and local - have been a great incentive. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.