By Harlan Garbell
When I was in my 20s I used to pay for everything I needed by cash or check. Every month my bank would send me a thick letter containing not only all of my cancelled checks, but also a computerized statement listing every transaction made during that period, including any deposits. It then calculated my final monthly balance which appeared at the bottom of the statement. Even though the statement included all of my monthly transactions, I had an obsessive habit of reconciling the bank statement with the handwritten entries in my checkbook register to make sure the final figures matched.