Today's+Discussion

=Questions to Tom = ISSUES > Tony’s monthly Budget – suggested estimates
 * 1) Is paying for children's education Status Quou?
 * 2) Is an monthly obligation to pay, what your creditors say you are obligated to pay (like a minimum payment)?
 * 3) (New) We have used the phrase 401k when discussing my standard-Roth account. for the purposes of this trial there is no distinction between these two types of retirement accounts?
 * Taxes (2012)
 * Life Insurance
 * Credit for:
 * Transporting Melissa's items (Report of Special Master  )
 * Winter Break Flight
 * Children's desired to fly attended
 * 620 Catalpa (sign over or sell)?
 * Health Insurance
 * What was in the Box?
 * __January 24, 2014 - Anne's notes form Tom Demetriou meeting - 1st draft__**
 * 1) Credit Card – Higher than the minimum payment required $ 500
 * 2) Attorney fees $2,000
 * 3) Travel Expense ?
 * 4) Taxes $2,000
 * 5) Rent (includes, utilities, cable, etc.) $1,500
 * 6) Promssory Notes $ 500
 * 7) Health Insurance for Tony & children $ 260
 * 8) HSA– need Proof of payments
 * 9) How much for Tony (2/3?) and kids (1/3?)
 * 10) Northwestern Mutual Insurance Premiums $ 275
 * 11) Tony’s Life and Disability Insurance Premiums
 * 12) Action: Reduce to child support amt
 * 13) Action: Change Trustee
 * 14) Melissa’s Life Insurance Premium mthly premium?
 * 15) Action: Question change in beneficiary after status quo order

**TOM's Questions**


 * 1) What did the 401k Money go to?
 * ** ANSWER: ** Approximately 25.5k in Family Expenses: [[file:Melissa Medical Expenses.docx|Melissa Prescription Pills]] ( ** 1k ** ), Parenting Time in Saginaw ( ** 10.8 k ** ), Melissa's Cell Phone and Car Insurance ( ** 0.6k ** ), (**3.5k**) in Student Loans (after Melissa filed), Melissa's Personal Purchases after filing (**2,8k**), Cash transfer to Melissa's accounts (**1.6k**), Children's tuition (**4.5k**), Car Rental (**$700**) - stolen car, ( Mortgage and Life Insurance Bills ), ( Add utilities and rent for md ),
 * ** RELATED FILE: ** < IRA DISTRIBUTION >
 * 1) What was the Tax impact from Melissa filing separate
 * ANSWER: Because we did not file a joint return, My CPA informs me that my tax liability increased by **$ 17,022 **
 * ** RELATED FILE: **< January 24th Email from Accountant >
 * 1) What exchange did you have with the children's teachers?
 * ** ANSWER ** : I have had email correspondence with Mia's teacher. I had some email with Rocco's teacher, but not as much.
 * **RELATED FILE:** Report of Special Master, 
 * 1) What is your outstanding debt?

10,812.82
 * # || Requested Items || Delivered Item || Running Total ||
 * 1 || $1,000 of Melissa's Prescription Bills || [[image:http://www.wikispaces.com/i/mime/32/application/vnd.openxmlformats-officedocument.wordprocessingml.document.png width="32" height="32" caption="Melissa Medical Expenses.docx" link="file:tonycalice/Melissa Medical Expenses.docx"]] [[file:tonycalice/Melissa Medical Expenses.docx|Melissa Medical Expenses.docx]]
 * [|Details]
 * [[file:tonycalice/Melissa Medical Expenses.docx|Download]]
 * 59 KB || 1,000 ||
 * 2 || Cost of Parenting Time || 2012 October, November, December = $

Parenting Time Costs _v2 || 11,812.82 ||
 * 3 || Money to Pay Status Quo || Paid 2011 Taxes (2,407) - Solid
 * Accountant = 1,000
 * MD = $30
 * US = 1,377

Paid 2011 Property Taxes & Insurance -Est > **Total Tuition was 4.5k**
 * Winter Taxes = $500
 * Insurance = $300 || 15,019.82 ||
 * 4 || Other Status Quo Items for 2012 - **14.6k**
 * 1) Melissa's Car Insurance (600 - est)
 * 2) Melissa's Cell Phone (500 -est)
 * 3) Melissa's Car Payments (pre-paid 10.5k in August) ||   || 29,619.82 ||
 * 5 || More Items = **8,905.50*** After 8/13 Melissa personal purchases from Tony’s account ($2,805.50)
 * 8/27 Check for Saginaw Preschool Tuition ($1,120)
 * **9/1 Tony deposits into Melissa’s account ($1,600) ** ||  || 38,525.32 ||
 * 6 || Melissa's Student Loans (4 x 887.83 = $3,551.32**)

11/24: $583.07 (auto withdrawl from PNC)11/24: $304.76 (auto withdrawl from Credit Union) ||  || 42,076.64 || > ***Rented a larger car to assist in bringing items such as Mia's Bedroom Furniture to Michigan** ||  || 42,776.64 ||
 * 7 || Related to Stolen Car
 * Rental Approx = $700

 2. Is Melissa's name on the mortgage? 3.Specific examples of what Melissa did wrong to limit Facetime or prevent you from seeing the kids. 4. My Question - "__**Whether**__ you should be reimbursed for moving expenses" I thought that was decided.
 * 1. Are you in agreement to sell RO home? What realtor to use? Listing price? How to handle future lowering of asking price if necessary?

__List of Tom Questions - October 24 meeting (very rough)__ Love and Affection
 * ? Confirm dates Melissa was working on her Masters**
 * ? Jewelry – what Melissa bought for herself-appraisals or receipts**
 * ? Melissa’s student loan – Payment amounts and # of Months**
 * ? List and Pictures of recent U-haul delivery**
 * ? Cleaning Lady (you est. 300-400/mo)**
 * ? Examples of spending $$ unnecessarily – (list of shops?)**

Stable Environment 1. Income from FEI and CCS two date ranges Jan - Aug 2012 and Aug - Dec 2012 2. Tony's Proposed Budget. This be superimposed on IRS, Student Loans, Atty Fees ($500 mthly pmts each) and RAC Promissory Notes ($300 mthly pmt) 3. Melissa PNC - status as of today? Is Tony simply a primary user, primary or joint on the account. 4. # of times Rick and Anne dropped off clothes/things to Melissa
 * ? St. Paul enrollment fee – (didn’t Melissa retrieve these $$$?)**
 * ? Pictures of Borowiecki home**
 * ? JacksonSchool –gifted programs, stats, academics, brochures, etc.**
 * Bus – how long is the bus ride from home to school?** ||  || [[image:tonycalice/Screenshot_2013-10-29-09-51-45.png caption="Screenshot_2013-10-29-09-51-45.png" link="@file:tonycalice/Screenshot_2013-10-29-09-51-45.png"]] ||
 * || __Questions/notes from Tom Meeting 10/31/2013__**

Notes: Life insurance-change beneficiary to children? ||  ||   ||