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					                               HOME FINANCING CALCULATIONS


                                                Monthly                Annual
                         INCOME             Gross     Net         Gross         Net

              (H)   St. Mary's College       3,667        2,678    44,000    32,136
              (H)   SMC - 401K - Empl 5%       183          183     2,200     2,200
              (H)   EDS Retirement             550          550     6,600     6,600
              (H)   GM Retirement (est)      1,000          750    12,000     9,000
              (H)   Pony Mony = 150 sw         500          500     6,000     6,000
              (H)   eBusiness Advantage        200          200     2,400       200

              (W) Disability                   767         767      9,204       9,204

                        Total Income ==>     6,867    5,628       82,404    65,340
  Balance               EXPENSES            Gross     Net         Gross         Net

               New Mortgage                    832         832      9,984       9,984               PIT =
               Property Taxes 1328+935         189         189      2,263       2,263
               Condo Assn Dues                 230         230      2,760       2,760               + Assn
               Insurance (contents only)        64          64        768         768               + Contents
                                                                                                    Total =
               Existing Loans:
    13,057     PNC Bank (Deck Loan)            315         315     3,780        3,780   * Must be paid-off @ Parview closin
    19,500     MBNA                            200         200     2,400        2,400
     8,971     First USA (Dell)                200         200     2,400        2,400
     6,264     Discover Card                    68          68       816          816
     6,361     First USA - Visa ? (John?)      200         200     2,400        2,400   Call to verify




    54,153            Total Expenses ==>     2,298    2,298       27,571    27,571


                Left-Over (Savings) ==>     4,569    3,331        54,833    37,769




4/10/2012 - 3:13 PM
             per Mo @ 65


                   1300 ss




                    835 ss




                 1,021

                    230
                     50
                 1,301

e paid-off @ Parview closing on 8/9




             4/10/2012 - 3:13 PM
                        HOME FINANCING CALCULATIONS
          @ AGE-65
                                           Monthly                Annual
                   INCOME              Gross     Net         Gross         Net

          (H) EDS Retirement              550          550     6,600     6,600
          (H) GM Retirement (est)       1,738        1,390    20,856    16,685
          (H) Social Security @ 65.8    1,735        1,735    20,820    20,820
          (W) Disability                1,040        1,040    12,480    12,480

                  Total Income ==>      5,063    4,715       60,756    56,585
Balance           EXPENSES             Gross     Net         Gross         Net

          New Mortgage                    832         832      9,984       9,984
          Property Taxes 1328+935         189         189      2,268       2,268
          Condo Assn Dues                 230         230      2,760       2,760
          Insurance (contents only)        64          64        600         600
                               1,315
          Medical Insurance               450         450      5,400       5,400
     0         Total Expenses ==>       1,765    1,765       21,012    21,012


            Left-Over (Savings) ==>    3,298    2,950        39,744    35,573
per Mo @ 65


    1300 ss



     835 ss
PROCEEDS & PAYOFFS @ CLOSING

Selling Price            387,000
Mortgage Pay-Off         (212,568) verified pay-off on 7/17
PNC Loan Pay-Off          (12,565) verified pay-off on 7/17
Closing Costs              (5,000)
Back Taxes                 (3,500)
Homeowner's Warranty         (400)
Title Insurance Credit         76 (10% of 758, based on 148,000 purchase price) per Jeremy 7/25

Net Proceeds             153,043


NEW CONDO @ $ 220,000
Closing Costs:
New Mortgage @ 120,000
Down Payment               97,000 (+ $ 3,000 deposit w/offer) = 100,000 Down
Summer Taxes                1,328                                Winter Taxes = 935, Total = $2,263
Flagstar Bank Fees          3,500 ?
Condo Assoc Escrow              ?
Movers                        600

Total Moving Costs       102,428



       Left Over ==>       50,615


8-6-02 HNT - Teresa Mendell is closer. Cheryl working on stmt. Called me. PNC Loan on title, must be paid off at
8-01-02 HNT - Closing will be on THUR AUG 8 @ 3:30 PM at: METROPOLITAN TITLE, 7151 N. Main St, Suite 21


Credit Card Pay-Offs:    Balance      Settlement     Discount           Date      Bal Date
MBNA                       19,521         15,025              4,496   10-Aug-02
First USA (Dell)            8,855          8,855                  0   22-Aug-02   7-30-02
Discover Card               6,264          5,022              1,242               8-15-02
First USA - Visa            6,036          6,036                  0   16-Aug-02   E-Pay
   Total Credit Cards      40,676         34,938              5,738

       Left Over ==>        9,939
ice) per Jeremy 7/25




s = 935, Total = $2,263




 C Loan on title, must be paid off at closing ~ 13,000
N TITLE, 7151 N. Main St, Suite 210, Clarkston 625-0606
Mortgage               Monthly P&I Payment (30 yrs)
 Amount    @ 7.0 %    @ 7.5 %     @ 8.0 %   @ 8.5 %   @ 9.0 %

 100,000        665        699        734       769       805
 110,000        732        769        807       846       885
 120,000        798        839        881       923       966
 125,000        832        874        917       961     1,006




6656 Ridgeview Drive - Clarkston Bluffs
           125 M @7.0 =              832
           2,263 taxes =             189
           Assn Dues =               230
           Contents Insurance =     40 50 per month = 600/yr
           Total Housing            1,301 / month
     What         Day   Date     Deposit   Expense    Balance
                  Sat   6-Jul      3,135                3,135                          Eileen's check comes on 24th fo
                  Sat   6-Jul        700                3,835

ATRT Deposit Thu 11-Jul             600                 4,435
Cash Deposit      Thu 11-Jul        600                 5,035
SMC               Fri 12-Jul       1,236                6,271
Offer Deposit     Fri   10-Jul               3,000      3,271


Transfer to eBA   Fri   12-Jul                  300     2,971
PNC               Sat   13-Jul                 315      2,656   * Must be paid-off @ Parview closing
Direct TV         Sat   13-Jul                  43      2,613
First USA         Wed   17-Jul                 200      2,413
ATRT Deposit      Mon   22-Jul       700                3,113
Eileen            Wed   24-Jul       600                3,713
SMC               Fri   26-Jul     1,236                4,949
Wells Fargo       Thu   1-Aug                    0      4,949   * Will be paid-off @ Parview closing, plus interest from 7/
EDS               Thu   1-Aug       550                 5,499
All-Star Lawn           1-Aug                  180      5,319
SMC               Fri   9-Aug      1,236                6,555
                  Fri   9-Aug     *** CLOSE ON PARVIEW ***      (or before)

                        CUM       10,593     4,038      6,555

PNC               Tue 13-Aug                     0
Direct TV         Tue 13-Aug                    43
First USA             17-Aug                   200              Stop 8/17 payment. Pay-Off @ Condo closing


SMC                     23-Aug     1,236                     (Sign Contract !)
Eileen                  24-Aug       600
                        CUM        1,836       243      1,593

                  Mon 26-Aug     *** CLOSE ON NEW HOUSE ***     (or before)
  Eileen's check comes on 24th for:               767
                      Car Insurance              -167




 Parview closing




Parview closing, plus interest from 7/1 to 8/9




Pay-Off @ Condo closing
ADDRESS:                       6808 Northcrest Way E., Clarkston, MI 48346

OWNERS:                        Bob Wallison             248-343-1436      (cell)
                               Nancy Smith              248-343-1437      (cell)

REAL ESTATE ONE:               Ron Newman               625-0200 (W)      586-403-2748 (P)

GREYSTONE MORTGAGE: Janet's mortgage co.                Dale/Stephanie    248-886-0440

CONDO ASSN
Assoc. Pres.                    Milford Mason                 625-2554
Board Member                    Richard Kimmel                625-8452       6856 Northcrest Way E.
Board Member                    Dick Ellis                                   6836 Northcrest Way E.
7/11 - Applied for Boat Slip # 2 (on left, looking at water), pd $ 75 8/20/02 ck # 2146

CONDO NEIGHBORS:
7/11 - Cecile Berg (on RHS)    "CEC" - lived there 7 yrs, husband died

FLAGSTAFF BANK:                   Bill Flury                673-4100          Fax = 248-673-4136
 6/28 - Prelimary Mtg                           248-343-0921 (Bill's cell phone)
 7/8 - Faxed Bank Stmt            Renee Walters
7/11- Told Renee: 120M & faxed over copy of Purchase Agreement
7/17 - Renee: did not qualify for special program with just Eileen (credit scores too low)
7/17 - Faxed: (1) 401K statement, (2) Explanation letter: why SMC income in 2001 lower than 2002 YTD, (3) Capital One p
7/18 - Faxed: Letter of Explanation: Loss of Job @ EDS
7/31 - Called Renee. Just received verification of employment from SMC.
      Ordering appraisal of condo today ~ 250 (I pay @ closing). Could not use Nov. appraisal.
      Bill will call me, re: INTEREST RATE (my request)
8/12 - Called Bill. Appraisal coming in today. Will try to get interest rate in high 7.x We can get copy of appraisal.
8/13 - Appraisal = $ 220 M, will get copy at closing / Renee
8/19 - Talked to Renee. *** BRING HUD STMT FROM SALE OF PARVIEW *** TO CONDO CLOSING, PLUS, PROOF MB

MOVERS:                        John Auburn                  625-3176       per Granny Noonan = $ 65/hour
(insured = 50 M)               Jones Moving Co.           248-673-0429     per Bob
                               Candice, 3-men for 5-6 hrs @ $ 92/hr + 1/2 hr travel +~ $ 460-552
                               Will call on 28th to confirm move. Will arrive on 8/29 between 8-9 am

Hauling:                       Fred                       627-5334      per Granny Noonan
Gutters:                       Billy Vandecar         248-850-9118 (H) 248-252-9806 (cell)

CHARITY:                       St. Vincent de Paul                        Pick-up on Monday 8/19
                               Purple Heart
                               Salvation Army

INSURANCE:                     Allstate                     625-0117     Judy Livingston, Joan -
 7-11 w/ 300M liability, 50M contents, 50M interior walls = 773-278 ($15M jewelry) = $ 495 per year. 773/12= 64/mo ($1,000
 8-7 Joan = 767, stop Parview on 8/8, start condo on 8/8 (same day to cover contents) = 63.92/mo

STAINED GLASS:                 Stained Glass Cabinet Co., Acme, MI (near Traverse City) 231-938-2007
7-11-02                        World of Glass         Rocky Martina         623-1080
HNO HOME WARRANTY:           800-367-1448 or 866-652-0941 Addison, WS Claims Dept (Must call HSA first B4 repair, th
                             hsaweb.com

CONDO CLOSING:               Robin Cutler @ Capital Title 625-0200 X-125 (Pick-up or Fax 2 days B4 closing) -- in Ron's R


DUMPSTER:                 Sat 8/17 delivered. Broken branches, lots of oil spots
$ 360 for 7 days, 30-yard xx Disposal - Ortonville
Adam Christensen 627-2151
also, 852-6101
              (Built in 1988)

              U/D 9-3-02
              U/D 9-3-03

              698-2541 (H, Barb)




 orthcrest Way E.
 orthcrest Way E.




248-673-4136




001 lower than 2002 YTD, (3) Capital One pay-off letter


Nov. appraisal.

7.x We can get copy of appraisal.

 TO CONDO CLOSING, PLUS, PROOF MBNA & DISCOVER PAID-OFF ***

anny Noonan = $ 65/hour
              (will supply free Wardrobe boxes, etc.)
 vel +~ $ 460-552
8/29 between 8-9 am

anny Noonan


p on Monday 8/19



 vingston, Joan -                                       Alarm system
                                 Contents & 300 Liability
y) = $ 495 per year. 773/12= 64/mo ($1,000 deductible)
ntents) = 63.92/mo

erse City) 231-938-2007           (1' x 6' = $ 500-700)
              5380 Andersonville (near Dixie)
aims Dept (Must call HSA first B4 repair, then they must talk to tech on job)


k-up or Fax 2 days B4 closing) -- in Ron's R/E One Bldg
UTILITIES
                                                              5079 Parview Dr.       6808 Northcrest Way E.
 Utility         Provider          Phone        Called        Stop         Meter        Start      Meter                        Comments
Electric    Edison             800-477-4747   Thu 8/08    Tue 3-Sep                  Mon 26-Aug    90594      Edison will read both meters
DSL         Covad              888-642-6823               Thu 29-Aug                                          8/11 - Call on 8/27 to disconnect on 8/29
DSL         Ameritech          877-722-3755 ~ 8/01                                  Wed 11-Sep                Phone=Help Desk, sending modem & CD
Gas         Consumers (DTE)    800-477-5050 Thu 8/08      Sat 31-Aug                Mon 26-Aug      1144      Call-in Meter reading for Parview only
H20         Lakeland (Wally)     674-0923   Mon 8/12                                Mon 26-Aug                Purchased on 8/12 for $ 850
Lawn        All-Star Lawn        673-5205   Thu 8/08      Wed   28-Aug                                        Mike
Mail        Clarkston P.O.                  Mailed 8/7    Thu   29-Aug               Fri 30-Aug
Paper       Oakland Press        332-8181   Thu 8/08      Fri   30-Aug               Sat 31-Aug               Call if not rec'd by 7 am on 8/31
Phone       Ameritech                -      ~ 8/01        Sun   1-Sep                Tue 27-Aug
Rubbish     Smith Disposal       625-5470   Thu 8/08      Mon   16-Sep                                        Paid thru 9-16-02
TV          Direct TV          800-347-3288 Thu 8/08      Thu   29-Aug              Wed 28-Aug                Take Receiver & Remote to Condo


8/27/2002 COVAD (Josh) I cancelled DSL Account effective THU 8/29 (Pd on 8/19, good thru 9/14)


4/10/2012
    CREDIT CARDS

                                  Balance   Settlement   Discount       Date                                Comment

1   MBNA AMERICA - Carnival        19,521       15,025     4,496 M/8-10-02        per Attorney letter
    P.O. BOX 15137                                                                PAY-OFF mailed Sat 8-10-02, certified Check
    WILMINGTON, DE 19886-5137
    (800) 789-6701
    4264-2904-1451-3945
    was: Under Collection

2   FIRST USA BANK NA - Dell        8,855        8,455            0   T/8-15-02  8-15-02 Cancel automatic payment for 9/15 (not sure), delete
                                                                                Creditor=Done 8/15
    P.O. BOX 15153                                                    P/8-22-02 $ 200 payment will be made on 8-15-02 (can't stop it)
    WILMINGTON, DE 19886-5153                                                    Don't know if 9/15 payment for $ 200 canceled or not (still in
                                                                                book)
    (800) 215-4516                                                               8/15 - Sent E-Pay = 8,855 - 400 = 8,455, PAID 8/22/02
    4417-1241-1352-3077                                                          8/15 $400 diff = $200 pd 8/15, $200 pd 9/15 (cant cancel)
    was: 200/mo


3   FIRST USA BANK NA - Visa        6,037        6,037            0    8-10-02    8-10-02 Cancelled automatic payments, deleted Creditor
    PO BOX 15153                                                                  8-10-02 Re-setup creditor as normal Payee
    WILMINGTON, DE 19886-5153                                                     8-16-02 Electronic PAY-OFF made = 6036.95
    (800) 955-9900
    4417-1247-9812-6717
    was: 200/mo


4   DISCOVER CARD                   6,277        5,022     1,255       8-15-02    Last $ 68 payment will be made on 8-28-02
    P.O. BOX 6011                                                                 Settlement Dept = 800-347-2655
    DOVER, DE 19903-6011
    (800) 347-2683
                                                                                   8/10 - call back Thu 8-15 @ 800-487-2972 x-4009 Christine
    6011-0053-4061-3911                                                           8/15 Donna: will settle for $ 5,022 (20% discount)


                          TOTAL   40,690     34,539       5,751


    My FAX = (208) 485-6414
ATRT INVENTORY

                                                      LIST    ATRT     ATRT      Disc   Sale     Sale
QTY   CARTRIDGE                MODELS                PRICE    PRICE    EXT'D      %     Price    Ext'd        Potential Customer         Contact                   COMMENTS
                                                                                                                                      Lila McDonald      8/15 called Lila. Offered
 3    BR-TN5000PF     Intellifax 2600, HL-1040        33.99   28.99     86.97    25      21.74    65.23   Lett Construction
                                                                                                                                     248-542-4118       25% off. Will ask Don.
                       Fax Ribbon Rolls (2 per
 2    SH-UX-15CR                                      79.98   49.99     99.98    25      37.49    74.99   Lett Construction          Lila McDonald         "   "
                      box)
                              TOTAL - Lett, + tax    261.93            186.95                    140.21                                                 8/22 called Lila.
                       Canon PC
                                                                                                                                      Dave Erdmann
 3    CA-A-30         1/2/2L/2LX/3/5/6/6RE/7/8/      160.00   69.99    209.97    50      34.99   104.97   Harvey's Office Supply                        Out till TUE 8/20
                                                                                                                                     673-1249
                      11/12/65/65E
                                                                                                                                      Robin Ansama       Called 8/15. Called 8/22 -
10    CA-FX-2         Fax Toner Cartridge             99.00   49.99    499.90    50      24.99   249.90   Fidelity Title
                                                                                                                                     248-642-1115       LWOR for Madrina Johnson
                       HP LaserJet II, III Series,
 3    HP-92295A                                       83.64   39.99    119.97    50      19.99    59.97   NONE (Waterford Schools)
                      but not the "P" models
 4    HP-C3900A        LaserJet 4MV, 4V              142.00   74.99    299.96    50      37.50   149.98   NONE
                                                                                                                                      Simone LiCavoli
                                                                                                                                     888-528-6141
 1    XE-6R914        Xerox XD100 Workcenter         179.99   99.99     99.99    25      74.99    74.99   Great Lakes Mortgage                          8/15 LWOR, 8/22 LWOR
                                                                                                                                     (W), 810-326-
                                                                                                                                     0395 (H)
26                             TOTALS                                 1,603.69                   920.24



          4/10/2012                                           = No Customers

				
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