This is the Second Edition of THE CREDIT UNION WORLD: Theory, Process, Practice--Cases & Applicaton. The First Edition was released just prior to the financial melt-down and the skyrocketing debt of the United States. As a result of the political and financial upheaval, both in the U.S. and abroad, it was imperative that a second edition be published at this time. Fanny Mae and Freddie Mac, federal government backed mortgages, have been a disaster in the mortgage and housing market, leaving home owners all over America in foreclosure, underwater, or in serious distress. Since the federal government has become so intrusive into the corporate world by taking over entire industries such as automobile factories and meddling directly into the banking industry and Wallstreet in general, these issues do effect the credit union world.

This book is about building a house in the southwestern part of the United States; though, there are many things which are in common to building a similar structure in other parts of the country. This author conducted two years of research before embarking upon such a venture. Additionally, for the following nine months, I filmed and photographed all aspects of the task of building the structure, including performing many tasks myself. Yet, despite that, it quickly became obvious that those who plan to either be an owner-builder or have a house built by others, need a book like this, because it is truly an eye-opener. In fact, it is a practical guide which provides the reader with invaluable information about the process to be followed (contained within are many images/illustrations to help the prospective house owner). The book examines best construction practices while exposing shoddy workmanship, costly shortcuts of convenience, communication and coordination problems, and the use of inferior building materials. The work also discusses some of the nuances unique to building in such states as Nevada, Arizona, New Mexico, Texas, and even parts of California. It is the intention of this author this will help those who seek to build a southwestern house avoid many pitfalls which lie ahead; because, this is a book I wish I could have had before I began the journey. The book also contains an index and a list of Recommended Service and Product Providers. If you are about to build or have a house built, please see the last page of the book titled SPECIAL OFFER REGISTRATION, because as a purchaser of this book, once you have registered, you will have an opportunity to speak with the author byphone for consultations or exchange e-mails regarding the construction of your house.