Financial Testimony

March-98:     Ray had about 3 months of my bank statements and I didn't have a real good idea how much I had in my checking account. I was also using atm, and forgetting to deduct it from my checkbook. I wrote my last check that month-to cover a bill for $27.63. (I receive my retirement direct deposit in the beginning of the month). When I read my statement weeks later, I had exactly to the penny--$27.63 left in my account, at the end of the month. That check was one penny away from bouncing.

Note:  Around August/September:  A christian brother that I had never communicated with in any form sent me a check for one thousand dollars. I was trying to save for a new computer and needed the money to replace my blown monitor. He didn't know this.



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