European Stars and Stripes (Newspaper) - July 15, 1990, Darmstadt, Hesse Page 18 m the stars and stripes sunday july 15,1990business news of by Chuck Vinch Washington Bureau Washington a service members who Are forced to leave the military Over the next few years could have a safety net that ranks with the most generous plans found in the civilian world according to military officials. A your separation benefits package will compare to the very Best offered by private Industry a a Pentagon official said. That Isnit Idle boasting. The same assessment is offered by corporate consultants who routinely assist companies that go through a reduction in Force. Highlights of the proposed Pentagon plan which must be approved by Congress include Severance pay of up to eight months salary extensive Job placement assistance notice of separation three to six months in Advance and continued health commissary and Exchange benefits for various periods of time after separation. A a snapshot assessment is that its an excellent lucrative package a said Michael Hickey who runs an outplacement and career development firm in Columbia my. A a it a extremely Liberal m terms of what a lot of companies typically hickeys 10-year-old firm helps companies that Are looking to trim or close operations. It specializes in designing programs and services to ensure a smooth transition for displaced workers.,. A a it a a very reasonable plan quite in line with the Best packages Given to displaced workers in private Industry a agreed Neil Redford of the Hay group a new York based management consulting firm. Eric Greenburg editor of research for the american management association in new York said the associations most recent annual Survey of corporate downsizing supports hickeys and Redford a views. The Survey of 1,084 companies of various sizes showed that Only 27.2 percent offered outplacement services for employees who were Laid off. Only a third of the companies offered Severance pay above the Standard of one weeks pay for each employment. And most unset Hng to employees 18.9 percent of the companies handed out Pink sups with no notice at All. Overall 53.2 percent of the companies let employees go with one month s notice or less. In contrast the Pentagon said its separation package would be comparable to the benefits offered by Stroh s brewing co. When the Beer giant closed a Large brewery in Detroit in 1985 and Laid off 1,100 workers. Strohs benefits included generous Severance pay four months Advance notice of layoffs intensive one on one Job placement services remedial skills training extended health benefits relocation assistance and other transition benefits. L within six months of the closing 75 percent of the employees had new jobs. Within one year All the salaried workers and 98 percent of the hourly employees unions increasing Brandy Mcclain financial writer a growing number of credit unions overseas Are expanding debt counselling services with an Eye toward helping customers and their own businesses. The latest credit Union to offer counselling services to customers plagued by financial problems is Andrews Federal credit Union based in Frankfurt West Germany. Andrews started the services a few weeks ago. A a Good part of our motivation is to develop Quality customers and a More financially solid membership a said Margaret Wilber who manages the Andrews Branch in Wurzburg West Germany just East of Frankfurt. Wilber set up the credit unions program after attending a training session last year in the United states. Wilber and Mary Beth Harrell a marketing specialist with Andrews said the credit unions program centers on teaching tellers and loan officers How to be Good listeners. A a we be trained our people to approach things from a different perspective a Wilber said. Loan officers Are encouraged to look for hidden warning signs that a customer is slipping dangerously into debt. A person who makes frequent loan requests might be using the Money to finance his Normal living expenses and that generally spells trouble Wilber said. Instead of blindly granting another loan Andrews staff is taught to delve deeper into a customers budget and recommend ways that the customer can stay above water without borrowing More she said. Pam Bitton education manager for the. Credit Union National association in Madison wis., said debt counselling is catching on stateside too. In the last eight years the Trade association has trained personnel from roughly 10 percent of All credit unions with $5 million or More in assets. And the debt counselling training sessions remain one of the associations most popular educational offerings she said. A fall credit unions unofficially do financial counselling of one sort or the other but you re More Likely to see a specific program in the larger institutions a said Bitton whose organization trained Wilber. A we try to show credit Union employees How to develop a critical Eye for people. Interpersonal skills Are important Good hastening skills watching body Bitton said its also important for loan officers to keep their ears open. Members who become Overly defensive about their spending habits or who defend their spouses spending habits a Little too vigorously probably have problems budgeting their Money she said. They should undergo financial counselling. Credit unions that give More than lip service to helping customers budget wisely should end up winners in the Long run Bitton said. A you end up with a better member when the counselling process is completed a she said. And in the Long run the credit Union gains too. Customers who know How to handle Money will de Fisit More Cash in the credit unions cof ers buy More financial products and pay Back their Loans on time she said. Wilber said Andrews has trained at least one employee at each of its 14 branches How to spot troubled customers and How to provide counselling. Custom ers Are also Given tips on balancing checking accounts setting up a savings plan and preparing for major purchases. The advice is similar to that provided by Many army Community service Branch offices throughout Europe but Wilber said acs officials Are Happy for the help. A before we got started we consulted with acs and they re definitely overloaded with people a Wilber said a they thought additional outlets were a great several other credit unions in Europe also provide debt counselling including finance Center Federal credit Union based in Augsburg West Germany and Keesler Federal credit Union in England. A we kind of look for people who Are overextended a said senior vice president Charles Belhassen with Keesler. A if it happens we sit a customer Down and show them How to budget their Money a Little More wisely. People Are very receptive to Harrell Andrews marketing specialist said debt counselling services at her credit Union Are free and confidential. The assistance is available to credit Union members and non members alike she said and the company even provides special presentations on the topic for groups. Stripe classified your weekly marketplace classified acts appear every week in stripes Maga me to place an and. Complete the Coupon including a Che or Money order do not Send Cash payable m dollars to the stare and Stripe fund ecn-874 mail the stars and stripes to 268, Apo 09211, $5 of Lor 3 Linos. $ f per additional Lino 29 characters a Check to and t i Pat Una. 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