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Show October HILL TOP TIMES Page 26 Some people are gambling with promising careers and don't know it. The gamble is "kiting" or "floating" a check. These are terms used by banks to describe the act of writing checks without having sufficient funds to cover the amounts, then rushing to the bank to make a deposit before they clear. Advanced automation techniques used to speed up the process of clearing checks has made the practice a risky business, to say the least. 10, 1980 Check kiting could result in prosecution in a civil court or a military court martial. It could damage a military career, cause the permanent withdrawal of valuable exchange privileges or stamp a stigma upon an otherwise promising individual. According to Maj. Gen. Dwane H. Stubbs, USA, Commander, Army and Air Force Exchange Service (AAFES), the dishonored check problem continues to be a problem of major significance. During the past fiscal year, 312,762 checks amounting to more than $11.5 million were returned as dishonored at insufficient funds as well as the inconvenience of not being permitted to write a check at the exchange are important deterrents to be considered each time the pen is poised to sign a check. Additionally, a $10 processing fee is charged for each returned check. The fee, which represents the cost to AAFES of administratively processing a dishonored check, is imposed to assure that the cost of bad checks is absorbed by the maker of the check rather than spreading the cost among all AAFES customers. AAFES facilities, General Stubbs said. More than $1 million of that amount was written off as uncollectible at exchange level and the net loss to AAFES was $621,161. General Stubbs said floating checks can be traced to earlier days when banks and clearing houses needed several days to process a check. With that leeway, many used the delay to write worthless checks to get the jump on the payday crowd at the exchange, settle debts or enjoy a prepayday fling. The penalties for issuing checks with Results correct inadequacies AF leadership ffighfling hord for rrailifsary benefits "This year's pay raise and increased benefits are the first tangible results of an Air Force commitment to correct military pay inadequacies. We've made our case, we've been heard and that fact is reflected in recent legislation," Lt. Gen. James D. Hughes, Commander of Pacific Air Command, told members of the Pacific Air Forces Noncommissioned Officers Leadership School at Wheeler AFB, Hawaii. The commander said, "The Secretary of the Air Force, the Chief of Staff and major command commanders have been speaking out and acting on the issues of better pay and benefits." "In fact, Air Force leadership was at the forefront of efforts on behalf of all military men and women," he said. General Hughes said the recent passage of the 11.7 percent pay raise, the Fair Benefits Amendment package and the Nunn-Warnto moved service members closer regaining the real buying power lost since 1972, the last time military pay levels were comparable to the private sector. "It all adds up to a package that many er with those things just as much as with, improving pay and benefits. That's where we need your help, now and in the future." General Hughes asked the NCOs to listen to the new people issues, get the details and military people can't believe really went through, but it did. And it's clear evidence that Air Force leadership has been hard at work, has been caring and has been effective . in fighting for better pay and benefits for our people," he said. make sure their people hear about it. "Our legitimate needs are being recognized and we must focus our efforts and our energy on meeting the mission requirements. After all, our job is the most important one there is because our nation and our way of life depend on it. That's where we should be looking as we look to the future. We've got a country to defend. Let' s get on with it. " ( AFNS) , Reminding the graduates of their NCO leadership responsibilities, General Hughes noted, "You may not be able to argue in front of Congress for better pay and benefits, but you can do a lot for recruiting and retention and morale by spreading the word about what is being done. Your leadership is concerned AMERICA! ...LOVE IT OR LOSE IT! Classified Advertising I WEDNESDAY NOON. ENCLOSE CHECK, CASH OR MONEY ORDER FOR $2.00. (ADD SO CENTS FOR AD TO APPEAR AT DDO.) LIMITED TO MILITARY AND CIVILIAN PERSONNEL AT HILL AIR FORCE BASE. ADS MUST BE SUBMITTED IN PERSON ROOM BY TO 118, BUILDING 1102 BASE ADS AVAILABLE TO EVERYONE. MAIL YOUR AD TO P. O. 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Additional Words, 8 cents per word. to appear at Picas check desired classification 1. o o. o O o o o 2. 3. 4. S. 6. 7. 8. 10. D 12. Miscellaneous for Sale For Rent Opportunities Real Estate Automobiles Motorcycles Mobile Homes Services Lost and Found Personals Wanted Miscellaneous Mail to: Hill Top Times P.O. Box 423 Roy, Uiah 84067 Zales Lavawav The pqv buying plan that fits your style! Avoid the rush shop now! Then make comfortable payments 'til Christmas . . . interest-fre- e while sifts are in Layaway! Layaway a diamond solitaire for her today! AO COPY . Vs Carat $270.00 CREDIT CARDS WELCOME! MSTER C'HARCE VISA Amcncan Etpress Catie Blamhe Diners C lub Zales Odil including Zales Plan Samp as C ash Layaway v SALES The Diamond Store tail diamond weight may vary plus or minus Illustration enlarged. In 14 karat gold (Sorry, we do not take telephoned classified ads.) ' III carat LAYTON HILLS MALL |