To Presidents, Secretaries, Directors and Members of Building and Loan Associations and all other Savings Institutions: H. S. ROSENTHAL'S New Book on "Building, Loan and Savings Associations" JUST FROM THE PRESS, is the only and a most comprehensive publication, dealing with this subject. It is a massive volume, bound in buckram, brimful of facts concerning building association work. In a careful and painstaking manner the author traces the historical growth of the world-wide building, loan and savings movement; discusses the organization of an association; tells the duties and rights of members; answers practical questions; delves into the legal aspects of the work and, in short, leaves no phase of the subject untouched. The book springs from the mind of an expert and every word is authoritative. It opens up new vistas in building association work, throwing a searchlight on the past and foreshadowing the possibilities of the future. ¶ Recognizing the merit and positive value of this book, the publishers of the AMERICAN BUILDING ASSOCIATION NEWS have purchased a limited edition of the same. The retail price of the book is $3.50 per copy. In order to place it in the hands of every man or woman connected with the work, we offer the following combination: H. S. Rosenthal's Manual on Building, Loan and Savings Associations (retail price $3.50) One Year's Subscription to the American Build ing Association News (regular price $2.00) $5.00 THE AMERICAN BUILDING ASSOCIATION NEWs is well known to you. It is a 48-page monthly magazine. It is the official organ of the United States League and the pioneer magazine in the entire building association field for over thirty years. Its influence and prestige is recognized at a glance, when you remember, that the Building Associations of the United States represent total assets of over One Billion Dollars, with a total membership of 2,200,000 persons. ¶ Our Combination Offer holds good for old subscribers as well as new ones. Fill out and send in the attached card at once. Do not delay, because our supply is limited. The Book as well as the Magazine brings efficiency to you, the greatest asset of our modern times. You need both in your work. The Book is a time and labor saver for every building association officer. American Building Association News Co., Cincinnati, 0. ORDER BLANK AMERICAN BUILDING ASSOCIATION NEWS COMPANY. 15 W. Sixth St., Cincinnati, O. Please forward one copy of the New Book on Building, Loan and Savings Associations, and one subscription to American Building Association News for one year as per special offer of $5.00. Name of Association.... Street Address....... City... State...... *If you desire the Book only, mark out words “One subscription to American Building Association News." PRICE, $5.00 which are now recogi ized throughout the United States and Canada as the authoritative reference tables for all building loan calculations, as well as for many other classes of money. 1st.-USEFUL RULES AND INFORMATION. Q.-DIVISION KEY-TABLE.-For finding the rate earned by a loan, etc. No. 1.-AMOUNT OF $1.-For finding what any sum of money amounts to at any rate of interest, compounded monthly, up to 150 months. No. 2.-AMOUNT OF $1 PER MONTH, ETC.-For finding what any sum paid each month, etc., amounts to, up to 150 months, with interest compounded monthly. No. 8.-PRESENT WORTH OF $1.-For Finding the present worth of any sum due at any future time. No. 4.-PRESENT WORTH OF $1 EACH MONTH, ETC.-For finding the present worth of any sum due each month, etc. No. 5 and 8.-Sinking Fund Tables, No. 6.-AMOUNT OF $1.00 PAID EACH WEEK, with interest compounded Semi-annually—and Maturity Key-Table. No. 7.-PERFECT MATURITY TABLES.-Maturity of Installment Stock, with payments from 20 cents to $10.00 and rates from 4% to 80%, including 10.2% and 18.2%. No. 7a.-Supplement to No. 7, for payment at end of month. No. 8a.-MATURITY OF PREPAID STOCK.-Pre-payments from $25.00 to $80.00, and rates same as next above. No. 9.-EQUIValent MonthLY and PREPAID PAYMENTS, that will mature in same time, No. 12.-EQUAL MONTHLY PAYMENTS, made at the end of each month, that will pay up a $100 loan at 6, 8, 10 or 12% per annum. No. 18.-SAME, when interest on the loan is payable monthly in advance, and payments are at the first of each month, No. 14.-SAME, when interest on the loan is payable monthly in advance, with payments at end of the month. No. 15.-EQUAL MONTHLY PAYMENTS, made at the beginning of the month, that will, at any rate from 1% to 25% per annum, interest compounded annually, pay a loan of $100 in from 1 to 25 years. No. 16.-MONTHLY SINKING FUND, that will pay up quarterly, semi-annual, or annual dividends and expense; also Amount of $1 paid either at the first or last of the month for 8, 6 and 12 months, at any earning rate from 8% to 60%. No. 17.-DIVISION OF PROFITS. No. 18.-PRESENT WORTH, at monthly Compound, of $1.00 due at the end of each half year, showing what portion of the pre-payment is required to pay off quarterly, semiannual, or annual dividends and expense. No. 180.-The Same as No. 18, but with interest compounded semi-annually. No. 19.-COMPARATIVE INTEREST TABLE, showing what $1.00 amounts to in any number of years up to 15, at Simple, interest, and at monthly, quarterly, semi-annual and annual compound. No. 194.-COMPARATIVE INTEREST TABLE, showing what $1.00 paid each month amounts to in any number of years up to 15, at simple interest, and at monthly, quarterly, semi-annual and annual compound, No. 20.-WITHDRAWAL VALUES, at any rate of Simple interest allowed, and at any time from 1 to 150 months. No. 21.-Rates earned by a loan, and actual rates paid by a borrower in a Building-Loan Association, when the loan is paid up in a given time by equal monthly payments. No. 22.-For finding the payment, made at the end of each month, etc., which will at last payment, pay a debt now due and its interest. Table A.-Maturity Key-TABLE.-For finding either the Payment, par value of Share, Earning Rate, or Time to maturity, when we know the other three. And many other useful Tables too numerous to mention here. Robinsonian Installment Loans SERIES I. For Finding as Follows: 1st. When any loan will be paid up by monthly payments; 2nd. The unpaid balance on such loans at any time; 3rd. Amount of interest that has been earned. FRICE, $2.00 SEND ORDERS AMERICAN BUILDING ASSOCIATION NEWS 15-27 WEST SIXTH STREET, CINCINNATI, O. Building and Loan Association Leagues United States League of Local Building and Loan Associations NEW JERSEY LEAGUE OF BUILDING METROPOLITAN LEAGUE OF SAVINGS OHIO BUILDING ASSOCIATION "The American Home, the Safeguard of American Liberties." MEMBERS OF OHIO BUILDING ASSOCIATION LEAGUE Akron Akron S. & L. W. H. Evans B. & L. Permanent S. & L. Industrial B. & L. Ashland Ashland B. & L. Ashtabula Ashtabula Co. B. & L. Barnesville People's B. & L. The Home B. & L. Co. The Belmont S. & L. Co. Bellefontaine- Industrial S. & L. Belpre B. & L. Co. Equitable B. & L. Blue Ash- Bridgeport- Bryan JOHN J. PURINTON, President, East Liverpool, Ohio. Bryan H., S., L. & B. Ass'n Bucyrus Bucyrus L & B. Ass'n. People's S. & L. Cadis The Cadiz B. & L. A. Cincinnati Cont'd. Eagle S. & L. Ass'n. East End L. Ass'n Co. East Walnut Hills B. & L. Co. Elberon B. & L. Ass'n. Co. Fortschritt Bau Verein. Gest Street B. Ass'n No. 1. Ohio Valley L. & B. Co. Seventh Ward L. & B. Co. Workingmen's German B. & S. Co. Young Men's B. & L. Co. Circleville New Home B. & L. Co. Cleveland Cech B. & L. Ass'n. Mravenec B. & L. Ass'2. Ass'n. Clyde- Coldwater Home B. & L. Co. College Hill- Allemania B. & L. Co. West Side B. & L. Ass's Coshocton MEMBERS OF OHIO BUILDING ASSOCIATION LEAGUE —Continued Home B., L. & S. Co. Covington Crestline B. & L. Ass'n. American L. & S. Ass'n. Mutual H. & S. Ass'n. Defiance Home S. & L Citizens B. & L. Ass'n. Deita Delta B. & L. S. Co. Dennison Dennison & Uhrichsville B. & L. East LiverpoolFederal B. & L. Co. Peoples S. & L. Co. Potters S. & L. Co. Union B. & L. Co. East Palestine- The Eaton L. & H. Aid Lorain County S. & L. Co. The Hancock S. & L. Co. The Miami Valley B. & L. The H. B. Smith B. & Sandusky Co. B. & L. Co. Gallipolis Gallipolis S. & L. Co. Galion Home B., L. & S. Co. Germantown Germantown B. & S. Ass'n. Glandorf Glandorf Germ. B. & L. Savings, Bldg. & L. Co. The Greenfield Home B. & Hamden Junction- Loveland Loveland Mutual B. & L. Pioneer City B. & L. Co. Martins Ferry- The Citizens H. & S. Co. The First S. & L. Co. Maumee Miamisburg- Citizens B., L. & S. Ass'n. Millersburg Deposit B., S. & L. Co. Minster Minster L. & S. Co. Mt. Gilead- Mt. Healthy- Mt. Sterling- Mt. Vernon Mt. Washington- Citizens B. & L. Ass'n. New Bremen- New Carlisle- New Philadelphia- New WaterfordNew Waterford B. & L. Ass'n Co. Niles Home B. & L. Co. North Baltimore- Ottawa H. & S. Ass'n. Oxford L. & B. Ass'n. Painesville The Citizens L. & B. Co. The Third S. & L. Co. Pleasant RidgePleasant Ridge B. & L. Co. Portsmouth Citizens S. & L. Ass'n Co. The Commercial B.& L. Co. Portsmouth Germ. B. & L. Ass'n. Portsmouth S. & L. Co. The Portage S. & L. Co. German B., L. & S. Co. Ripley- Roseville B. & L. Co. St. Bernard St. Bernard L. & B. Ass'n Co. St. Mary'sUnion B. & L. Co. |