European Stars And Stripes (Newspaper) - August 8, 1986, Darmstadt, Hesse                                Diets have to be realistic consume watch .204.00. 1" Wal by Acford Bruj imthui11 " ijtoo"".-1  me Thek tits Check no. Beit 07/0107/aj 07/01 07/0507/11 07/31 07/31 balance but intr to Hooten 0015 20.00 Jutith a 0016 56.21 Cjack 9903 500.00 Check 9902 25.00 sube pm pal pjumein1 melt aces cute but Toi Pat 200.00 500.00 pre j5.00 of credit Pali .99 j. ,115 j9 ulv balance 1.75 421.75 355.53 53.i3 30.53 530.53 505.s3 balance Bact nor Wakano pal advice 07/01 07/05 07/31 07/31 of Shuce nonce ave vice Balice 300.00 Check surf Tiv Offick to. A Cut 9902 25.00 200 00 Rutih balance 0.00 .09 a pest . 2s.oo it take Chute 0.00 200,00175,00 175.99 . Week no. 9903 Maun 500.co you have kept track of your Check and follow the instructions on the Back of four statement there should Reno problem in keeping t balance Here on left. Is a typical statement. To right Are the lines to fill in from the statement Back. Lines Tulve and 10 agree which shows that the account is balanced. List of ours Bahoma ours1 f 1c�l a Tiu Njuki la id 4ar ii iliac when writing checks keep your balance a surprising number of people in the military write hot checks because they fail to keep record of their Bank  aran t used to doing so. They did t Back in the United states says Dianna Hurtado. Financial coordinator Lor Amy Community services in Wiesbaden there they used Teller machines with on Lino computer systems thai gave out the up to the last transaction balance she says. They let the computer do the figuring. They did t keep track  overseas. The computers used by the department of defense contracted american express Bank Aren t on line. Ii customers ask for the balance at the counter says Hurtado they get Only what has been posted and that May not be up to Date. German holidays for example can put it behind. Add to this an extensive use of credit Many expensive phone Calls Back Home and a Basic Lack of budgeting. By the time the people come to see her she says debts of from $10,000 to $18.000 Are not unusual. Sometimes this can Lead to separation from the service. A Basic tart in prevention of this snowballing debt situation is learning to handle that Check Book. When i Ash people How they keep track of their balance Loo Many tap their Heads indicating they write nothing Down. That just does t  she says that when their Bank statement comes they Lake the balance it gives As the amount of Money they Nave. A week s Worth of checks May not have been deducted. But since they have not kept track they have no Way of deducting them from the Bank s balance. In Wiesbaden the acs has been sending a learn out to give Check Book management workshops. They use a Workbook american express has designed that covers Alf the Steps in keeping an accurate balance. American express it valves thai the most important Factor in Good Check Book management is keeping the Register up to Date. That Means that transactions should be entered As soon As possible express Teller transactions deposits withdrawals and automatic Bill and loan payments some people find duplicate checks. Which can be ordered from the Bank the Solu Lon to forget fitness. Every duplicate Check creates its own record the information can be entered in the Register at a later time. It is extremely important to reconcile each Bank statement As soon As received. In balancing make a Check Mark in the Register next to each transaction that is shown on the statement. The form that appears on the Back of the statement is designed to help in balancing. First the debits listed on the statement should be compared with those on the account Register. All other withdrawals automatic payments Etc should be checked off and All debits or items which have not been paid by the Bank should be recorded in the list of outstanding debits column then service or other charges should a deducted from the account Register. Now to find the new account balance the instructions in the Section numbered 1 to 10 should be followed. When this is done lines 5 and 10 should agree. If a person thinks his or her statement is wrong or needs More information about a transaction appearing in a statement a letter should be written to the local Branch Bank As soon As possible. The letter must contain the following information Tho account number name address arid Telephone number. The amount of the suspected error the description of the error and explanation of Why it is believed there is an error when using an express Teller machine the receipt should be kept until the transaction shows up on a Slat Emcil. Burlado says it disturbs her to see receipts lying on the ground around the express Teller a sure Sim More clients Are on their Way with financial problems. Tho amount Given on the express Tetter receipt of told be recorded nolo the transaction number in the in Hack Register As soon As possible those with a pal pre authorized  can use it to cover accidental overdraft or As a Small temporary loan. The Basic line of credit available with pal is $300. With advances credited to accounts in $100 increments monthly payments Are $25 for a $300 pal with i Lerell at 15 percent annually of the outstanding tial?.rvc As to those on line automatic tellers according to David Pond acting District manager of 1he american express military Bank s Northern District the Dod position is thai for customer convenience i is Bellot to have More automatic tellers than to wait for the More expensive on Lino types. By november we should have 98 for the military customers overseas most in  in Asp two using express Teller machines saves time. Some users however an forgetting to note Down transactions. The stars and stripes Pagels