As communities across the country increasingly turned to local financing for public works projects and other infrastructure improvements in the early 20th century, Harbage recognized the need for a practical guide to managing these loans. His Notes on Local Loans provides readers with a valuable introduction to the basics of public finance, and a wealth of practical advice for those managing local loan programs. This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work is in the "public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.