Follow-up: Wish Me Luck!

I am unclear as to how best to present my financial information to the
President of the DIC (Dataw Island Club) Board, Dave Muehl. Like many
people these days, I do my banking online. I pay my bills online. I
don't receive paper statements.

Anyway, Dave said I should email him the information along with a recap
of our Monday meeting, outlining how I came to live here.

My bank offers the option to download my account data in .csv format for
parsing in a spreadsheet. Parsing being the operative word; it could be
perceived I manipulated the data.

The bank also offers the option of printing the information from their
web site. I could print and scan the information as a PDF file to email
to him. But I don't really think they need to know every little
transaction. For example, I bought some items at the drug store. I put
gas in my car so I could get to the drug store. I'm a smoker (sosueme);
I buy my cigs at Bill's Liquor Store. (Talk about discretionary
income!) I don't want to think about how purchases from Bill's Liquor
Store would look to the Board. (Not that it's any of their business.)

I have been getting the money for the membership dues out of a separate
brokerage account. This money was supposed to be my nest egg! I've had
the broker sell shares and transfer funds to my checking account so I
could pay the membership dues. I suppose I could print the page showing
the decrease in funds over the last year and scan it as a PDF file. It
doesn't prove I used those monies to pay the club dues.

I'm sort of at a loss as to how to provide this information. Meanwhile,
I just had to send the DIC a sizeable check to prevent them from putting
a lien on the house.

I'm still thinking I should provide copies of my Federal and State
income tax returns. (I have no income, but I still file every year on
the off chance I might receive a small refund.) But they'll probably
want more. And I don't want these people invading my personal life any
more than they already are.

Any suggestions as to the best best way to present my financial
information?

Jill

On Wednesday, August 22, 2012 6:57:30 AM UTC-6, jmcquown wrote:
I am unclear as to how best to present my financial information to the

President of the DIC (Dataw Island Club) Board, Dave Muehl. Like many

people these days, I do my banking online. I pay my bills online. I

don't receive paper statements.

My bank offers the option to 'save as' a statement (or however many I need).. I can then attach the jpeg to an email. Is this an option? Most places don't really care about the specifics of a statement (except to see if there are large cash withdrawals). Maybe that's what they need?

Anyway, Dave said I should email him the information along with a recap
of our Monday meeting, outlining how I came to live here.

My bank offers the option to download my account data in .csv format for
parsing in a spreadsheet. Parsing being the operative word; it could be
perceived I manipulated the data.

The bank also offers the option of printing the information from their
web site. I could print and scan the information as a PDF file to email
to him. But I don't really think they need to know every little
transaction. For example, I bought some items at the drug store. I put
gas in my car so I could get to the drug store. I'm a smoker (sosueme);
I buy my cigs at Bill's Liquor Store. (Talk about discretionary
income!) I don't want to think about how purchases from Bill's Liquor
Store would look to the Board. (Not that it's any of their business.)

Pretty certain they'd see that it's not enough to buy actual liquor (even if you buy cartons at a time).

I have been getting the money for the membership dues out of a separate
brokerage account. This money was supposed to be my nest egg! I've had
the broker sell shares and transfer funds to my checking account so I
could pay the membership dues. I suppose I could print the page showing
the decrease in funds over the last year and scan it as a PDF file. It
doesn't prove I used those monies to pay the club dues.

I'm sort of at a loss as to how to provide this information. Meanwhile,
I just had to send the DIC a sizeable check to prevent them from putting
a lien on the house.

So long as *that* shows on your online statement...

I'm still thinking I should provide copies of my Federal and State
income tax returns. (I have no income, but I still file every year on
the off chance I might receive a small refund.) But they'll probably
want more. And I don't want these people invading my personal life any
more than they already are.

Any suggestions as to the best best way to present my financial
information?

I have always found, for my own needs, that being honest works best. You have a genuinely good case, unless they are huge creeps (which this guy doesn't sound like), they should see that you aren't a 'downgrade' to their precious little island community.

On 8/22/2012 8:57 AM, jmcquown wrote:
I am unclear as to how best to present my financial information to the
President of the DIC (Dataw Island Club) Board, Dave Muehl. Like many
people these days, I do my banking online. I pay my bills online. I
don't receive paper statements.

Anyway, Dave said I should email him the information along with a recap
of our Monday meeting, outlining how I came to live here.

My bank offers the option to download my account data in .csv format for
parsing in a spreadsheet. Parsing being the operative word; it could be
perceived I manipulated the data.

The bank also offers the option of printing the information from their
web site. I could print and scan the information as a PDF file to email
to him. But I don't really think they need to know every little
transaction. For example, I bought some items at the drug store. I put
gas in my car so I could get to the drug store. I'm a smoker (sosueme);
I buy my cigs at Bill's Liquor Store. (Talk about discretionary
income!) I don't want to think about how purchases from Bill's Liquor
Store would look to the Board. (Not that it's any of their business.)

I have been getting the money for the membership dues out of a separate
brokerage account. This money was supposed to be my nest egg! I've had
the broker sell shares and transfer funds to my checking account so I
could pay the membership dues. I suppose I could print the page showing
the decrease in funds over the last year and scan it as a PDF file. It
doesn't prove I used those monies to pay the club dues.

I'm sort of at a loss as to how to provide this information. Meanwhile,
I just had to send the DIC a sizeable check to prevent them from putting
a lien on the house.

I'm still thinking I should provide copies of my Federal and State
income tax returns. (I have no income, but I still file every year on
the off chance I might receive a small refund.) But they'll probably
want more. And I don't want these people invading my personal life any
more than they already are.

Any suggestions as to the best best way to present my financial
information?

Jill

My bank allows for the downloading of statements for the past several
months (both checking & credit card) as .pdf. (for the record, I use
Chase). If you have a .pdf editor you could blank out *where* you spend
the money, just leave the amounts?

The tax returns are a plus, as they will see you have zero income, but
still pay property taxes (grumble) and insurance on the home.

--
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her wipe out Bunny's world domination.
--
The ONE and ONLY
lefthanded-pathetic-paranoid-psychotic-sarcastic-wiseass-ditzy
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email me at nalee1964 (at) comcast (dot) net
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On 8/22/2012 10:49 AM, Magic Mood Jeep wrote:
On 8/22/2012 8:57 AM, jmcquown wrote:
I am unclear as to how best to present my financial information to the
President of the DIC (Dataw Island Club) Board, Dave Muehl. Like many
people these days, I do my banking online. I pay my bills online. I
don't receive paper statements.

Anyway, Dave said I should email him the information along with a recap
of our Monday meeting, outlining how I came to live here.

(snipped self)

I'm sort of at a loss as to how to provide this information. Meanwhile,
I just had to send the DIC a sizeable check to prevent them from putting
a lien on the house.

I'm still thinking I should provide copies of my Federal and State
income tax returns. (I have no income, but I still file every year on
the off chance I might receive a small refund.) But they'll probably
want more. And I don't want these people invading my personal life any
more than they already are.

Any suggestions as to the best best way to present my financial
information?

Jill

My bank allows for the downloading of statements for the past several
months (both checking & credit card) as .pdf. (for the record, I use
Chase). If you have a .pdf editor you could blank out *where* you spend
the money, just leave the amounts?

That's a possibility.

The tax returns are a plus, as they will see you have zero income, but
still pay property taxes (grumble) and insurance on the home.

Lucky me, I live in a hurricane & flood area. So it's more than just
homeowners insurance. Of course they know that, because they live here,
too.

Jill

"jmcquown" wrote in message ...

I am unclear as to how best to present my financial information to the
President of the DIC (Dataw Island Club) Board, Dave Muehl. Like many
people these days, I do my banking online. I pay my bills online. I
don't receive paper statements.

Anyway, Dave said I should email him the information along with a recap
of our Monday meeting, outlining how I came to live here.

My bank offers the option to download my account data in .csv format for
parsing in a spreadsheet. Parsing being the operative word; it could be
perceived I manipulated the data.

The bank also offers the option of printing the information from their
web site. I could print and scan the information as a PDF file to email
to him. But I don't really think they need to know every little
transaction. For example, I bought some items at the drug store. I put
gas in my car so I could get to the drug store. I'm a smoker (sosueme);
I buy my cigs at Bill's Liquor Store. (Talk about discretionary
income!) I don't want to think about how purchases from Bill's Liquor
Store would look to the Board. (Not that it's any of their business.)

I have been getting the money for the membership dues out of a separate
brokerage account. This money was supposed to be my nest egg! I've had
the broker sell shares and transfer funds to my checking account so I
could pay the membership dues. I suppose I could print the page showing
the decrease in funds over the last year and scan it as a PDF file. It
doesn't prove I used those monies to pay the club dues.

I'm sort of at a loss as to how to provide this information. Meanwhile,
I just had to send the DIC a sizeable check to prevent them from putting
a lien on the house.

I'm still thinking I should provide copies of my Federal and State
income tax returns. (I have no income, but I still file every year on
the off chance I might receive a small refund.) But they'll probably
want more. And I don't want these people invading my personal life any
more than they already are.

Any suggestions as to the best best way to present my financial
information?

Jill

~~~~~~~~~~~~~~
This sounds way to intrusive to me. Of course, I realize you are caught
between the proverbial "rock and a hard place." Still, I would want to
minimize the board's access to my personal information as much as possible
while giving them enough so they would waive their ridiculous club fee. Do
you use a CPA to prepare your taxes, or do you do it yourself? If you use a
CPA, he or she might be able to make suggestions. It might even be worth
the expense of a single consultation with your attorney to get help
preparing the records you need. As others have suggested, you should be
able to download bank statements and credit card statements into PDF format
and print those if you want to turn over all those records. Of course, you
would already have your property/flood/hurricane/auto/medical insurance
records, and you could simply copy them.

MaryL

"jmcquown" wrote in message
...
I am unclear as to how best to present my financial information to the
President of the DIC (Dataw Island Club) Board, Dave Muehl. Like many
people these days, I do my banking online. I pay my bills online. I don't
receive paper statements.

Anyway, Dave said I should email him the information along with a recap of
our Monday meeting, outlining how I came to live here.

My bank offers the option to download my account data in .csv format for
parsing in a spreadsheet. Parsing being the operative word; it could be
perceived I manipulated the data.

The bank also offers the option of printing the information from their web
site. I could print and scan the information as a PDF file to email to
him. But I don't really think they need to know every little transaction.
For example, I bought some items at the drug store. I put gas in my car
so I could get to the drug store. I'm a smoker (sosueme); I buy my cigs
at Bill's Liquor Store. (Talk about discretionary income!) I don't want
to think about how purchases from Bill's Liquor Store would look to the
Board. (Not that it's any of their business.)

I have been getting the money for the membership dues out of a separate
brokerage account. This money was supposed to be my nest egg! I've had
the broker sell shares and transfer funds to my checking account so I
could pay the membership dues. I suppose I could print the page showing
the decrease in funds over the last year and scan it as a PDF file. It
doesn't prove I used those monies to pay the club dues.

I'm sort of at a loss as to how to provide this information. Meanwhile, I
just had to send the DIC a sizeable check to prevent them from putting a
lien on the house.

I'm still thinking I should provide copies of my Federal and State income
tax returns. (I have no income, but I still file every year on the off
chance I might receive a small refund.) But they'll probably want more.
And I don't want these people invading my personal life any more than they
already are.

Any suggestions as to the best best way to present my financial
information?

Aw, no, but I hope someone comes along with a good idea. Don't admit that
you smoke. They will immediate latch on to this as what you are spending
money on.
Tweed

jmcquown wrote:
I am unclear as to how best to present my financial information to the
President of the DIC (Dataw Island Club) Board, Dave Muehl. Like many
people these days, I do my banking online. I pay my bills online. I
don't receive paper statements.

Anyway, Dave said I should email him the information along with a recap
of our Monday meeting, outlining how I came to live here.

My bank offers the option to download my account data in .csv format for
parsing in a spreadsheet. Parsing being the operative word; it could be
perceived I manipulated the data.

The bank also offers the option of printing the information from their
web site. I could print and scan the information as a PDF file to email
to him. But I don't really think they need to know every little
transaction. For example, I bought some items at the drug store. I put
gas in my car so I could get to the drug store. I'm a smoker (sosueme);
I buy my cigs at Bill's Liquor Store. (Talk about discretionary
income!) I don't want to think about how purchases from Bill's Liquor
Store would look to the Board. (Not that it's any of their business.)

I have been getting the money for the membership dues out of a separate
brokerage account. This money was supposed to be my nest egg! I've had
the broker sell shares and transfer funds to my checking account so I
could pay the membership dues. I suppose I could print the page showing
the decrease in funds over the last year and scan it as a PDF file. It
doesn't prove I used those monies to pay the club dues.

I'm sort of at a loss as to how to provide this information. Meanwhile,
I just had to send the DIC a sizeable check to prevent them from putting
a lien on the house.

I'm still thinking I should provide copies of my Federal and State
income tax returns. (I have no income, but I still file every year on
the off chance I might receive a small refund.) But they'll probably
want more. And I don't want these people invading my personal life any
more than they already are.

Any suggestions as to the best best way to present my financial
information?

Jill

I would think that it should be enough to show them your tax returns for
the last couple of years, the various insurance records, maybe some
utility and repair bills. I wouldn't show them any bank or credit card
statements.

Maybe you should include a letter explaining the situation again, and
summarizing the financial information you are giving them. Something
like "As you can see from my income tax returns, my yearly income is $$,
while my expenses from insurance and utility bills are $$/month. I also
spend around $$/month for food and incidential expenses."

Best of luck!

Nadia, Kotyo (minus 2 teeth) and Sweety
--
Little Monster pictures: http://picasaweb.google.com/nnakova/Kotyo
Sweety pictures: http://picasaweb.google.com/nnakova/Sweety
Kotyo and Sweety together:
http://picasaweb.google.com/nnakova/KotyoAndSweety

Smokie Darling (Annie) wrote:

Pretty certain they'd see that it's not enough to buy actual liquor (even if you buy cartons at a time).

Not true, unfortunately! Last time I checked, a carton of cigarettes
was considerably more expensive than a fifth of moderately priced
liquor. (I can remember when cigarettes were about $3.00 a carton - now
they're about twice than much a PACK - one more reason for trying to
kick the addiction!)

On Wednesday, August 22, 2012 2:18:19 PM UTC-6, EvelynVogtGamble(Divamanque) wrote:
Smokie Darling (Annie) wrote:



Pretty certain they'd see that it's not enough to buy actual liquor (even if you buy cartons at a time).



Not true, unfortunately! Last time I checked, a carton of cigarettes

was considerably more expensive than a fifth of moderately priced

liquor. (I can remember when cigarettes were about $3.00 a carton - now

they're about twice than much a PACK - one more reason for trying to

kick the addiction!)

I was actually thinking of what I buy when I go into liquor (pretty rarely, I'll grant). Glenfiddich, 18 years old.

"EvelynVogtGamble(Divamanque)" wrote in message
m...


Smokie Darling (Annie) wrote:

Pretty certain they'd see that it's not enough to buy actual liquor (even
if you buy cartons at a time).

Not true, unfortunately! Last time I checked, a carton of cigarettes was
considerably more expensive than a fifth of moderately priced liquor. (I
can remember when cigarettes were about $3.00 a carton - now they're about
twice than much a PACK - one more reason for trying to kick the
addiction!)

I heard that getting off nicotine is harder than getting off heroin.

Tweed