abroad. He will cheerfully advise her on all
matters connected with money, and it will be
quite the exception if she does not, in all things,
find him a safe and prudent counsellor.

As a rule, no charge is made by a bank for
keeping an account, provided the balance, that
is, the amount of money they hold for the cus-
tomer - technically the credit balance - is not
persistently small. If it were always under £50
that would be considered small, but if only occa-
sionally below that figure, and sometimes above
£200 for any time, it would generally be exempt
from charge. When a charge is made for keeping
an account which is not remunerative or free
from trouble, it does not amount to much, and is
fairly earned.

If an advance of money is required for a tem-
porary purpose, the bank will often lend the
money by allowing the account to be overdrawn,
that is, the balance in the pass-book will appear
as due _to_ the bank instead of _from_ the bank for
the sum required from time to time. This is
sometimes convenient when the advance is only
required for a short time as avoiding the necessity
for disturbing any investment which otherwise
would have to be sold. As a rule, however
(though exceptions are made where the customer
is absolutely to be depended upon), the bank