. Electric railway journal . stablished building and loan associations to assisttheir employees in owning homes, but as yet no street rail-way companies, so far as is known, have undertaken thatwork here. This, however, is not the condition abroad,where many companies, particularly in Germany, not onlyassist in maintaining benevolent associations to pay sickand death benefits and pensions, but also those to erectsuitable dwellings for employees in the neighborhood oftheir work. A typical organization of the latter kind isthe Baugenossenschaft, or building fraternity, of theGrosse Berliner Stra


. Electric railway journal . stablished building and loan associations to assisttheir employees in owning homes, but as yet no street rail-way companies, so far as is known, have undertaken thatwork here. This, however, is not the condition abroad,where many companies, particularly in Germany, not onlyassist in maintaining benevolent associations to pay sickand death benefits and pensions, but also those to erectsuitable dwellings for employees in the neighborhood oftheir work. A typical organization of the latter kind isthe Baugenossenschaft, or building fraternity, of theGrosse Berliner Strassenbahn. This was formed in 1901as a branch of the general employees association in conse-quence of the difficulty which was then experienced in find-ing suitable living rooms. Berlin is pre-eminently a city ofapartment houses, owing to the high cost of land. The rentsin turn are also very high, and at that time were almostprohibitive, owing to the fact that the population wasgrowing faster than the building Homes Built for Berlin Railway Men—Courtyard atTempelhof The building club now has 1639 members, or about 25per cent of the total number of members in the generalorganization. A share of 300 marks ($75) is obtainedthrough monthly payments of one mark ($). Share-holders have the privilege of drawing lots for apartmentsas they become vacant, and up to the present have alsoreceived an average dividend of 4 per cent on the moneypaid in. The association now owns five buildings, locatedin proximity to as many car depots. The first house wascompleted in August, 1903, and the last in March, then no additional buildings have been erected forthe reason that hard times made plenty of private housesavailable and new construction unprofitable. During 1908,however, a plot was purchased for a sixth house, whichwill be erected when further construction appears profit-able. When Hie building club was inaugurated the railwaymanagement loaned it 1,500,000 ma


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