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Show mm (tftttttmttmHttMiHittititiM Hilltop Times .April 29, 1988 Checking accounts: popular, but could lead to problems Nine out of 10 money payments are made by check, according to Trent Searle, personal financial checks will ruin your credit rating. g And a habitual and flagrant a could affect perproblem son's military career," he said. According to Mr. Searle, to stay out of financial trouble with checking accounts, put the following procedures into practice: Know your bank regulations and policies regarding checking accounts; know the types and amounts of service charges and penalties for overdrafts. Subtract the exact amount of each check from your balance, as it is written, before you write another check. Don't round off. Balance your checkbook when receive you your monthly statement. Look for, and report, officials. According to Mr. Searle, "Many people also have a problem with , management program manager at the Hill AFB Family Support Center. He said checking accounts are so popular because they are convenient, efficient and safe. They also keep people from having to carry large amounts of cash. "You can get into trouble with your checking account if good record keeping is not done. It is important to maintain good records so that you will not get into financial trouble," said Mr. Searle. "Each time you write a check, record it in your register and not on a slip of paper or in your mind." He said people should remember check-writtin- the automatic teller machines (ATM). This is a convenient way to get cash quick and whenever you need it. However, this is also a quick way to drain all your funds from your account. "The problem," he said, "comes from forgetting about transactions made. A good habit to practice is to record transactions in checkbooks while the machine is processing your request." Mr. Searle said most people who write bad checks are either careless or maintain a consistently low checking account balance. "Writing a check today in hopes of covering to record all their automatic deposits (like through Sure-Pay- ) Never write a check against funds not actually in the account, but which you expect to have in your account in time to cover the it tomorrow is illegal. Worthless and subtract automatic payments or withdrawals made by bank check. "Your checking account is your responsibility, because it is a contract between you and the bank. You are responsible for not writing checks for more money than you have in the bank," said Mr. Searle. "The bank has a responsibility to you as well. They should maintain sound operating standards and respond quickly to any problem," he said. For more information or help with checking accounts, call Mr. Searle at Ext. 74681. Confidential counseling is available to all military and Air Force civilians free of charge. Are You Running on Empty? A remarkable formulation of herbs precisely combined helps balance the body's chemistry and oxygenate the blood, thereby alleviating stress and providing and greater energy,' vitality ' stamina This 60 year old formula is a proven blend of 14 carefully selected flowers, foliage, roots and berries. Each botanical is plentiful in nature's own organic nutrient compounds. This product is talked about and enthusiastically supported by Martin Davies on KTALK 630 AM Radio. It works! For a brochure and information feel free to call Scott No pressure, no at 399-521hype, and no obligation! Your satisfaction guaranteed! 5. ram ' LI TCVThTTP CS ITS iJk $$1 'MBS v j w-- w nri w d FINANCING fi fi iv y TT I LI TmTTDTTTlTT I I IC I I I I I n J 1 1 IIQUVI jlA J . . ; i ji ' jrf JTX " I .. . i 'i j oave nunareas even i nousanasi tv Cr ON ATT ' rx v v ) lj a . ENTIRE INVENTORY QUALIFIES FOR SALE U at lCiM pi PAYMENTS f U.S. Savings Bonds can have you sitting pretty. Let them market-base- d ptle up and enioy 6.0 a guaranvariable rates, teed minimum rate, and tax deferral privileges. Regular and easy purchase will put you on topol the pilel I U.S. SAVINGS BONDS I HE GREAT AMERICAN INVESTMENT I flfZiHT . sia' vAxmvwtvi mtvprncv Mm&mzfr, m. |