Howie Hayman

STORY THOUGHTS ABOUT CONTACT

Home - Story - 2004

Out Together

May 6, 2004 - Me and Akiko went out together with Riechan for some fun.

Enjoying Together

May 7, 2004 - Me and Akiko hanging out together in the park.

La Jolla

May 10, 2004 - Us enjoying the beautiful coastline of La Jolla, California.

Chickenest Restaurant

May 10, 2004 - We went out together with Riechan to the Chickenest Restaurant. Really good roasted chicken at this place.

Park Together

May 11, 2004 - We went to the beautiful Mission Trails Regional Park to enjoy a relaxing day together.

Windy Mountain

May 18, 2004 - We went up to the Laguna Mountains for some camping. This is us at the top of a really windy mountain.

Mountain Camping

May 18, 2004 - We had a really nice camping trip.

Mountain Biking

May 18, 2004 - We went for a really nice mountain bike ride along the narrow trails which wind through the forests and meadows of the Laguna Mountains.

WE ARE SELLING OUR MOUNTAIN
私たちは山を売っています。
Tanegashima Mountain For Sale

Hey Friends

Now 2026 and I decided to try and complete a couple of projects that I wanted to do for years. The first is to sort through and keep or delete all of the old information from my computer files. The second is to go through old pictures (the kind on film), and match them up with dates from information contained in these files. I was going to delete a lot of these files, such as emails, receipts, taxes, and checking account information, but then I realized this information would be invaluable for dating the pictures. In addition, my kids said they are really interested in my stories and other stuff from back in the day. Anyway, it was simply easier to put all of this information in one place, this blog, and then sort it all out after. The information is pretty boring for those of you who found this page....please read or ignore at your discretion.

2004 - File Entry - Checking account information to be sorted.

Checking Account 2004

10/08/2004	POS/5555 BALBOA AVE SAN DIEGO 1008 S		$105.24		$24,137.56
10/05/2004	CHECK/0000000233	233	$34.54		$24,242.80
10/05/2004	CHECK/0000000232	232	$72.18		$24,277.34
09/30/2004	DIRECTDEBIT/SD GAS & ELEC PAID SDGE 008169191528		$55.23		$24,349.52
09/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT		$25.00		$24,404.75
09/28/2004	CHECK/0000000230	230	$250.00		$24,429.75
09/27/2004	CHECK/0000000229	229	$80.75		$24,679.75
09/24/2004	DIRECTDEBIT/WAMU CC PAYMENT CHECK PYMT 0228		$98.25		$24,760.50
09/23/2004	POS/8100 FLETCHER PARKWAY LA MESA 0923 S		$31.90		$24,858.75
09/13/2004	CHECK/0000000226	226	$32.42		$24,890.65
09/13/2004	CHECK/0000000225	225	$30.28		$24,923.07
09/08/2004	CHECK/0000000224	224	$34.52		$24,953.35
09/08/2004	CHECK/0000000223	223	$72.18		$24,987.87
09/07/2004	CHECK/0000000222	222	$298.90		$25,060.05
09/07/2004	POS/4439 GENESEE AVE SAN DIEGO 0904 S		$50.04		$25,358.95
09/02/2004	POS/4630 PALM AVE LA MESA 0902 S		$48.60		$25,408.99
08/31/2004	CHECK/0000000221	221	$217.00		$25,457.59
08/31/2004	CHECK/0000000190	190	$58.22		$25,674.59
08/30/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT		$25.00		$25,732.81
08/27/2004	DIRECTDEBIT/SD GAS & ELEC PAID SDGE 008169191528		$48.12		$25,757.81
08/26/2004	CHECK/0000000188	188	$1,000.00		$25,805.93
08/26/2004	CHECK/0000000187	187	$185.00		$26,805.93
08/23/2004	DIRECTDEBIT/WAMU CC PAYMENT CHECK PYMT 0189		$239.33		$26,990.93
08/18/2004	CHECK/0000000185	185	$103.83		$27,230.26
08/18/2004	POS/5140 WAL-SAMS LA MESA 0818 S		$37.08		$27,334.09
08/17/2004	CHECK/0000000186	186	$31.86		$27,371.17
08/16/2004	CHECK/0000000183	183	$29.27		$27,403.03
08/13/2004	CHECK/0000000184	184	$549.00		$27,432.30
08/13/2004	CHECK/0000000182	182	$28.90		$27,981.30
08/12/2004	CHECK/0000000179	179	$297.17		$28,010.20
08/09/2004	CHECK/0000000172	172	$49.89		$28,307.37
08/06/2004	CHECK/0000000181	181	$100.00		$28,357.26
08/06/2004	CHECK/0000000180	180	$475.00		$28,457.26
08/05/2004	CHECK/0000000178	178	$34.46		$28,932.26
08/04/2004	CHECK/0000000177	177	$37.75		$28,966.72
07/29/2004	DIRECTDEBIT/SD GAS & ELEC PAID SDGE 008169191528		$101.41		$29,004.47
07/29/2004	CHECK/0000000175	175	$750.00		$29,105.88
07/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT		$25.00		$29,855.88
07/22/2004	DIRECTDEBIT/WAMU CC PAYMENT CHECK PYMT 0174		$1,007.78		$29,880.88
07/22/2004	CHECK/0000000173	173	$32.53		$30,888.66
07/12/2004	CHECK/0000000170	170	$28.90		$30,921.19
07/12/2004	CHECK/0000000169	169	$101.15		$30,950.09
07/09/2004	CHECK/0000000171	171	$34.44		$31,051.24
07/02/2004	XFER/*TRANSFER WITHDRAWAL		$100,000.00		$31,085.68
07/02/2004	DEP/*CUSTOMER DEPOSIT			$172.55	$131,085.68
06/29/2004	DIRECTDEBIT/SD GAS & ELEC PAID SDGE 008169191528		$101.91		$130,913.13
06/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT		$25.00		$131,015.04
06/25/2004	CHECK/0000000167	167	$42.80		$131,040.04
06/23/2004	CHECK/0000000164	164	$55.00		$131,082.84
06/22/2004	CHECK/0000000163	163	$20.00		$131,137.84


06/21/2004	CHECK/0000000166	166		$416.81			$131,157.84
06/21/2004	CHECK/0000000165	165		$56.27			$131,574.65
06/08/2004	CHECK/0000000162	162		$47.65			$131,630.92
06/08/2004	CHECK/0000000161	161		$28.90			$131,678.57
06/04/2004	CHECK/0000000157	157		$75.00			$131,707.47
06/01/2004	CHECK/0000000160	160		$33.36			$131,782.47
06/01/2004	CHECK/0000000159	159		$242.20			$131,815.83
06/01/2004	CHECK/0000000158	158		$287.13			$132,058.03
06/01/2004	CHECK/0000000156	156		$34.44			$132,345.16
06/01/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT			$25.00			$132,379.60
05/26/2004	DEP/*CUSTOMER DEPOSIT				$191.34		$132,404.60
05/25/2004	ATM/8850 NAVAJO RD SAN DIEGO 0525 G				$16,622.41		$132,213.26
05/24/2004	DIRECTDEBIT/CITICARD PAYMENT CHECK PYMT 0153			$547.96			$115,590.85
05/21/2004	CHECK/0000000154	154		$33.54			$116,138.81
05/20/2004	CHECK/0000000155	155		$85.24			$116,172.35
05/18/2004	CHECK/0000000152	152		$25.34			$116,257.59
05/18/2004	CHECK/0000000151	151		$19.86			$116,282.93
05/17/2004	OTHER/*CUSTOMER WITHDRAWAL			$400.00			$116,302.79
05/17/2004	OTHER/*CUSTOMER WITHDRAWAL			$400.00			$116,702.79
05/17/2004	DEP/*CUSTOMER DEPOSIT				$24,559.67		$117,102.79
05/14/2004	POS/5495 GROSSMONT CTR DR LA MESA 0514 S			$5.37			$92,543.12
05/14/2004	POS/TARGET 0997 SAN-GROSSMLA MESA 0514 S			$40.82			$92,548.49
05/10/2004	CHECK/0000000149	149		$232.00			$92,589.31
05/07/2004	CHECK/0000000148	148		$847.90			$92,821.31
05/03/2004	CHECK/0000000147	147		$34.44			$93,669.21
05/03/2004	ATM/8766 NAVAJO RD SAN DIEGO 0502 G			$60.00			$93,703.65
04/30/2004	DEP/*CUSTOMER DEPOSIT				$5,811.09		$93,763.65
04/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT			$25.00			$87,952.56
04/28/2004	CHECK/0000000146	146		$18.00			$87,977.56
04/20/2004	CHECK/0000000145	145		$4,950.44			$87,995.56
04/20/2004	CHECK/0000000144	144		$2,382.00			$92,946.00
04/19/2004	DIRECTDEBIT/CITICARD PAYMENT CHECK PYMT 0143			$468.83			$95,328.00
04/19/2004	ATM/8766 NAVAJO RD SAN DIEGO 0418 G			$40.00			$95,796.83
04/19/2004	ATM/8766 NAVAJO RD SAN DIEGO 0418 G			$200.00			$95,836.83
04/15/2004	CHECK/0000000142	142		$15.00			$96,036.83
04/12/2004	ATM/5505 GROSSMONT CTR RD LA MESA 0411 G			$40.00			$96,051.83
04/09/2004	DEP/*CUSTOMER DEPOSIT				$92,736.72		$96,091.83
04/07/2004	POS/8100 FLETCHER PARKWAY LA MESA 0407 S			$8.29			$3,355.11
04/05/2004	ATM/8766 NAVAJO RD SAN DIEGO 0404 G			$40.00			$3,363.40
03/31/2004	CHECK/0000000141	141		$33.44			$3,403.40
03/31/2004	CHECK/0000000140	140		$26.97			$3,436.84
03/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT			$25.00			$3,463.81
03/29/2004	ATM/8766 NAVAJO RD SAN DIEGO 0329 G			$40.00			$3,488.81
03/29/2004	DEP/*CUSTOMER DEPOSIT				$645.00		$3,528.81
03/29/2004	ATM/8766 NAVAJO RD SAN DIEGO 0328 G			$40.00			$2,883.81
03/25/2004	CHECK/0000000138	138		$9.99			$2,923.81
03/22/2004	CHECK/0000000139	139		$554.96			$2,933.80
03/15/2004	ATM/8766 NAVAJO RD SAN DIEGO 0315 G			$40.00			$3,488.76
03/15/2004	DEP/*CUSTOMER DEPOSIT				$600.35		$3,528.76
03/15/2004	POS/8100 FLETCHER PARKWAY LA MESA 0313 S			$27.04			$2,928.41

03/11/2004	CHECK/0000000136	136	$25.00			$2,955.45
03/08/2004	ATM/8766 NAVAJO RD SAN DIEGO 0306 G		$40.00			$2,980.45
03/04/2004	CHECK/0000000137	137	$33.36			$3,020.45
03/01/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT		$25.00			$3,053.81
03/01/2004	DEP/*CUSTOMER DEPOSIT				$128.16	$3,078.81
02/23/2004	CHECK/0000000134	134	$95.90			$2,950.65
02/23/2004	ATM/8766 NAVAJO RD SAN DIEGO 0222 G		$100.00			$3,046.55
02/03/2004	CHECK/0000000133	133	$33.36			$3,146.55
02/03/2004	OTHER/*CUSTOMER WITHDRAWAL		$325.00			$3,179.91
01/29/2004	CHECK/0000000132	132	$16.00			$3,504.91
01/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN DEBIT		$25.00			$3,520.91
01/26/2004	CHECK/0000000131	131	$224.38			$3,545.91
01/20/2004	ATM/8766 NAVAJO RD SAN DIEGO 0118 G		$40.00			$3,770.29
01/06/2004	CHECK/0000000128	128	$33.62			$3,810.29
01/05/2004	ATM/8766 NAVAJO RD SAN DIEGO 0104 G		$200.00			$3,843.91

09/30/2004	INT/*INTEREST PAYMENT	$163.28	$100,498.49
08/31/2004	INT/*INTEREST PAYMENT	$168.45	$100,335.21
07/30/2004	INT/*INTEREST PAYMENT	$166.76	$100,166.76
07/02/2004	XFER/*TRANSFER DEPOSIT	$100,000.00	$100,000.00

10/12/2004	ATM/8850 NAVAJO RD SAN DIEGO 1011 G	$40.00		$8,807.59
10/12/2004	ATM/8850 NAVAJO RD SAN DIEGO 1011 G		$503.00	$8,847.59
10/04/2004	INT/*INTEREST PAYMENT		$2.62	$8,344.59
09/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$8,341.97
09/20/2004	DEP/*CUSTOMER DEPOSIT		$140.12	$8,316.97
09/13/2004	DEP/*CUSTOMER DEPOSIT		$2,199.26	$8,176.85
09/13/2004	ATM/5825 BALBOA AVE SAN DIEGO 0912 G	$100.00		$5,977.59
09/02/2004	INT/*INTEREST PAYMENT		$2.01	$6,077.59
08/30/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$6,075.58
08/25/2004	ATM/8850 NAVAJO ROAD SAN DIEGO 0825 G	$40.00		$6,050.58
08/23/2004	ATM/5825 BALBOA AVE SAN DIEGO 0821 G	$100.00		$6,090.58
08/03/2004	INT/*INTEREST PAYMENT		$1.91	$6,190.58
08/02/2004	DEP/*CUSTOMER DEPOSIT		$539.69	$6,188.67
08/02/2004	ATM/5825 BALBOA AVE SAN DIEGO 0801 G	$100.00		$5,648.98
07/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$5,748.98
07/12/2004	ATM/8850 NAVAJO RD SAN DIEGO 0712 G	$100.00		$5,723.98
07/12/2004	DEP/*CUSTOMER DEPOSIT		$747.30	$5,823.98
07/02/2004	INT/*INTEREST PAYMENT		$1.25	$5,076.68
07/02/2004	DEP/*CUSTOMER DEPOSIT		$731.16	$5,075.43
06/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$4,344.27
06/29/2004	ATM/8850 NAVAJO ROAD SAN DIEGO 0629 G	$100.00		$4,319.27
06/14/2004	ATM/8850 NAVAJO RD SAN DIEGO 0614 G	$20.00		$4,419.27
06/14/2004	DEP/*CUSTOMER DEPOSIT		$1,481.88	$4,439.27
06/09/2004	ATM/8850 NAVAJO ROAD SAN DIEGO 0609 G	$60.00		$2,957.39
06/03/2004	ATM/8850 NAVAJO ROAD SAN DIEGO 0603 G	$100.00		$3,017.39
06/02/2004	FEE/*ATM BALANCE INQUIRY FEE - DOMESTIC	$1.00		$3,117.39
06/02/2004	FEE/*ATM WITHDRAWAL FEE - DOMESTIC	$2.00		$3,118.39
06/02/2004	INT/*INTEREST PAYMENT		$0.82	$3,120.39
06/01/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$3,119.57
05/24/2004	ATM/MARRIOTT 4240 LA JOLLLA JOLLA 0523 H	$102.00		$3,094.57
05/17/2004	DEP/*CUSTOMER DEPOSIT		$1,369.43	$3,196.57
05/17/2004	ATM/8850 NAVAJO ROAD SAN DIEGO 0516 G	$80.00		$1,827.14
05/14/2004	ATM/8850 NAVAJO ROAD SAN DIEGO 0514 G	$20.00		$1,907.14
05/10/2004	ATM/8850 NAVAJO ROAD SAN DIEGO 0509 G	$40.00		$1,927.14
05/04/2004	INT/*INTEREST PAYMENT		$0.52	$1,967.14
04/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$1,966.62
04/22/2004	ATM/8766 NAVAJO RD SAN DIEGO 0422 G	$40.00		$1,941.62
04/22/2004	DEP/*CUSTOMER DEPOSIT		$725.58	$1,981.62
04/02/2004	INT/*INTEREST PAYMENT		$0.42	$1,256.04
03/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$1,255.62
03/02/2004	INT/*INTEREST PAYMENT		$0.37	$1,230.62
03/01/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$1,230.25
02/03/2004	INT/*INTEREST PAYMENT		$0.38	$1,205.25
01/29/2004	OTHER/*AUTOMATIC SAVINGS PLAN CREDIT		$25.00	$1,204.87
01/05/2004	INT/*INTEREST PAYMENT		$0.06	$1,179.87

2004 - File Entry - Receipt information to be sorted.

Date		Howie
6/14/04	Comp USA	150.83
6/14/04	Home Dept	7.33
6/14/04	Home Dept	108.29
6/25/04	Home Dept	29.76
7/02/04	Comp USA	21.52

		Total
		317.73
Date	Debit or Withdraw	Rie
4/12/04	ATM	40.00
4/19/04	ATM	40.00
5/3/04	ATM	60.00
5/14/04	Debit	40.82
5/14/04	Debit	5.37
8/18/04	Debit	37.08
9/07/04	Debit	50.04
9/23/04	Debit	31.90
10/08/04	?	105.24

		Total
		407.45

January 28, 2004 - File Entry - Teaching email. The date shown for the file is the date modified and most likely incorrect except for the year.

Miki

Hi. I want to address a few of the points you made.

Thanks for the email you sent me yesterday.

I agree. You and I are very similar. You and I have a good time together talking but not work.
I just do not want to talk about nor worry about the rent and utilities every time I see you.

I figured you would understand my decision not to meet. The meetings usually result in nothing but stress and are a waste of time. I usually spend the entire meeting time trying to get you to trust what I say and to reassure you of the situation. You should have realized by now that you can trust what I tell you and about my ability as a business person and a teacher. I have had no problems at the other places I teach, only with you and your school. Unfortunately you let money guide your decisions and thinking. If you were really thinking of the students you would have let me teach the class without interfering. I was also tired of being effectively banned from your office and forced to meet at an outside location. Talk about discrimination.

Please pay directly if you want to live there or I must cancel the apt.

The rent issue has been discussed over and over again. For the last time, I am going to make a partial payment to you on Saturday. The balance will be paid to you in full at the end of the month as already agreed upon. After that I plan to continue at the apartment and make the payments directly to the bank.

I like you and you are very funny. I learn a lot from you and you are very smart.

Here is my suggestion.
Keep the apartment for your sake by paying the rent and utilities on time directly.
Then, I do not have to worry about them.
I want to be a good guy with you.
The best way to have least stress is that we work together as little as possible.

The amount that I work with you is up to you. Quite honestly I was told that I have very solid legal issues with you and your school. You had said originally that I would be a substitute teacher and then take over the classes for your Australian teacher this year. That has obviously changed. You continue to make decisions and then change your mind for one reason or another. I met two of your students for dinner last night. I was told that one of your teachers was very upset about my classes and this was the reason for the changes at the school. Actually I became very popular with your students very quickly which was another issue for your teachers.

Internet; please use it as you like.
I do not expect anything out of it though I paid 17,000 for the start up fee.
You can keep it if you pay monthly fees every month directly. I want no stress out of it, either.

I can pay the Internet from my credit card and change the account to my name. I would like you to call the company and let them know about the change. I can then call them next week with my credit card information. I plan to continue to do marketing for your school as agreed as long as I am teaching there part time. If you checked my Internet site, then you already know that the marketing for your school is already in place.

Sat. class, you teach this class if everyghing goes all right.
If problems crop up, I will let you know

I plan to teach the pronunciation class until you change your mind again which you will do inevitably. Incidentally, I would like to know the number of students that signed up in order to prepare for the class properly. I am going to need to use the printer to prepare for my lessons.

If you are very busy with other schools, I understand that you will teach there.

I am going to try to obtain visa support from another school.

I feel very stupid that I made an investment due to my poor judgement, which subsequently created
much stress for you and me. I can blame only myself.

I am offended by this statement. The decision to have me work for your company was not poor judgment. If you feel stupid, it should be because of your behavior after the decision was made. Your preoccupation with money is what clouded your judgment and resulted in numerous problems. To reiterate, a normal, reputable school supports the working visa for their teachers and pays the key money. The investment you made, although a big deal for you, is nothing out of the ordinary for other school owners. You need to realize this.

See you on Saturday at 5:45 pm then.
Let's have a pleasant conversation before the class.

Anyway, see you on Saturday. I can talk to you then.

Howie

Miki

Hi. I have a lot to say. First, I have to be very straight about a few things. It has become obvious that most of the stress that I have had in the last few weeks has come from my association with your company. These days have been very pleasant and relaxing. Anyway, this is my thinking about some important issues.

I have no intention of answering the telephone this week. If you have something important to say related to the pronunciation class, or other issues, send email to my hotmail account. I can meet you on Saturday but preferably one hour before class. If you change your mind again and cancel the class, then send email. The funny thing is I realize that I actually enjoy talking to you. Maybe it is better to meet and talk but not work together. Not really sure. Anyway, I have been working on the computer a lot updating the site and preparing for the class. I intend to teach the class if there are no changes.

I think this is now my position with your company.
Pronunciation teacher
Substitute teacher – I want at least one day notice – no promotion of the pronunciation will be offered during regular classes. Promote the class any way you want.

I thought you should know that many of your students have contacted me. Kinda forgot that the site business card has not only the site email but it also has my telephone number. I am meeting some of them this week. You might want to rethink your position about the classes. I seem to have become very popular with some of your students. In addition, I have had many offers to teach other places and if some of them work out then I might be too busy to teach regular classes at your school. Gonna continue teaching the pronunciation class though. The class is being promoted on the site. If you want the promotional material for your school taken off the site then send email. Of course these decisions are all up to you.

I am going to make a partial payment to you on Saturday as agreed.

Anyway, this was written very quickly and may not make a lot of sense. Send email when you have the time. Until then.

Howie

Miki

Hi. I have a few things to say. Recently many of your students have been calling or sending email. They check the site and seem to really like it. Last night I met with two of them for dinner. It was kind of funny because they brought the ad for your school. The ad had pictures of all the foreign teachers. It was kind of interesting because my picture was not included. Think of the embarrassment. Anyway, now my friends are also wondering about this. Difficult to know what you were thinking when you placed the ad. When I meet someone and they ask me about work, I tell them that I am teaching at your school. Then they see an ad in the paper and they think maybe I am lying to them You basically took away the credibility of the pronunciation class. Kind of difficult to promote a class that appears to not even exist. After investing all the money in the apartment, kind of interesting that you have taken every step to avoid any effective advertising or marketing for the class or for the school. Because of this, the pages on my site for your school have been put on hold for now. I am discontinuing any marketing efforts for your school until you think more rationally. Maybe you thought I would not see the ad in the paper. That could be the reason you were trying to give me the old ad the other day with the school name. Anyway, this is the new situation now. I enjoy teaching the pronunciation class and will continue to teach the class. The class will be shown on my site in the events section. I am actually not angry about this. I decided to give up though. Better to teach the one class and not worry about being a regular teacher or doing marketing for your school. Probably arrive at the school at about 5:30 on Saturday and can talk more then. I am not feeling so great and have no desire to talk about this until Saturday. No need to call. If you want to talk about this wait for a few days or send email. No plan to fight about this because really not worth it. Anyway, talk in a few days then.

Howie

Miki

Hi. Any reference to your school has been taken off the site per your request pending revisions. At the end of the month you will be paid in full for any expenses related to the apartment or the Internet. Beginning next month, I am going to make all payments directly. I am going to teach at your school as long as it is beneficial for me and for you.

Anyway, I have said everything that I needed to say. You have said everything that you needed to say. Now, I got this crazy idea. Since there is nothing more to say why don’t you and I begin again. Maybe next week a meeting outside of the school might be a good idea. Instead of talking about problems it would be nice to talk about regular stuff like English or teaching methods or anything besides problems. No more fighting and no more problems okay. Anyway, talk to you on Saturday before the class. Until then.

Howie

Rob
Hi. I really appreciate the comment about the site. Been spending lots of hours updating. Really nice to have Internet access again. Hey, you can give out my email address anytime okay. There was one girl that I didn’t back to because I had no Internet access at the time. Anyway, you are quite famous these days in this town. I talk about you and ALI a lot. Actually I have to say that without the training at ALI, teaching would be a mess. Funny thing is, many of the previous teachers at the places I teach apparently had little or no training and it showed. Some of the students have been at the school for three years and can barely speak English. Anyway, I have nothing but good things to say about ALI and the teachers there. I think the best experience was the volunteer work after. I picked up a lot of good techniques from you. It was fun being in your class. Put that in your anticipatory set. Funny yeah? Are you putting those new students in line? Say hi to everyone okay. Anyway, send email when you have the time. Until then.
Howie

April 15, 2004 - File Entry - Problem email.

Neptune Society
Vince
Fax number: 619-390-8024
April 15, 2004

Dear Vince,

Thank you for the information you provided during our telephone conversation in the afternoon of April 15 2004. I want to once again state the facts of our conversation. My father, Stuart Hugh Hayman, passed away at Grossmont Hospital today, April 15, 2004. His daughter, Bonnie Wynn Hayman, had him moved to your company for cremation. This is unacceptable. My father is Jewish and his wishes were to be buried next to his wife, Lily Rose Hayman, in a traditional Jewish ceremony at El Camino Memorial Park in San Diego, as evidenced by a plot, which was bought and paid for many years ago. Without getting into specifics, Bonnie had fallen out of favor with her family many years ago due to torment and harassment of her parents. A living trust, dated January 5, 2001 was set up by Stuart Hayman expressly excluding Bonnie from all decisions regarding Stuart Hayman.

After Stuart had passed away, Bonnie lied to the Neptune company by stating she had no brothers or sisters. When the Neptune company discovered that she did in fact have a brother she said that he was traveling and unable to be reached. This was also a lie. For the last four years Rie Fukumoto has been living with and caring for Stuart Hayman. During the last few months, I have been staying with the family of Rie Fukumoto in Japan. During that time, I was in constant contact with Rie regarding the condition of my Dad. The contact was almost daily since I had a cellular phone and Internet access. Rie could call, send email or chat to inform me of the condition of my dad. When his condition worsened she instructed me to return home.

I have durable power of attorney as part of the aforementioned living trust dated January 5, 2001. Based on this durable power of attorney, your company is instructed to disregard all instructions as stated by Bonnie Hayman. You are instructed to contact Peter at Am Israel Mortuary and have my dad moved there as soon as possible. If you have any questions, you are to contact me immediately at 619-697-8516. Thank you for your prompt attention in this matter.

Sincerely,

Howard S. Hayman

Neptune Society
Vince
Fax number: 619-390-8024
April 15, 2004

Important information

Name of father: Stuart Hugh Hayman
Name of Mother: Lily Rose Hayman
Name of Son: Howard Steven Hayman
Name of Friend: Rie Fukumoto

Name of mortuary: Am Israel Mortuary
Address of mortuary: 6316 El Cajon Blvd.
San Diego, California 92115
Contact at Mortuary: Peter 619-583-8850

Name of Cemetery: El Camino Memorial Park
5600 Carroll Canyon Road
San Diego, California 92121

Name of Temple Temple Emanu-El
Address of temple: 6299 Capri Drive
San Diego, California 92120
Telephone: 619-286-2555
Name of rabbi: Rabbi Lawson

May 25, 2004 - File Entry - Problem email. The date shown for the file is the date modified and most likely incorrect except for the year.

To Whom It May Concern,

This is to inform you that Stuart H. Hayman passed away on April 15, 2004. His daughter, Bonnie W. Hayman, assumed responsibility for Stuart H. Hayman while he was still in the hospital. All issues regarding Stuart H. Hayman and his accounts should be directed to his daughter Bonnie W. Hayman. The contact information for Bonnie W. Hayman is as follows.

Bonnie W. Hayman
6752 Caminito Del Greco
San Diego, California 92120
Email: xxxx

Bonnie W. Hayman is also the owner of a translation company. The contact information for this company is as follows.

Sundragon Translations
P.O. Box 33112
San Diego, California 92163
Telephone: xxxx
Fax: xxxx
Email: xxxx

Bonnie W. Hayman has also published several books including novels and computer instruction books.
Bonnie W. Hayman can also be reached by contacting the publisher of these books.
This information can be obtained on the Internet by doing a search using any of the numerous search sites.
Type in the keywords Bonnie Hayman to access this information.

Thanks for your consideration in this matter.

June 7, 2004 - File Entry - Riechan emails. The date shown for the file is the date modified and most likely incorrect except for the year.

Riechan
Hi. I read the email you sent. I have so much to do today and I have a headache again but I really wanted to tell you many things so you get some long email. You know the funny thing about us is that in some ways we are more like family then friends which is why we have so many problems. You probably talk to me much more differently then you do to Keikochan. You can be very straight with me like you would be with your family. I know that we really are not a good couple. Quite honestly you are not my type. I like a woman with her own opinion but your opinion is often too strong for me anytime. I also need someone who is more sensitive then you. I know we are really not good together. The problem has been that I really miss talking to you. I miss the conversations that we used to have at the house. I think you are very intelligent and it was always a pleasure to talk to you, except when we had an argument. Anyway, you know I believe that everything happens for a reason including the fact that we met. I really have no idea what that reason is. Maybe we are supposed to be friends and nothing more. Maybe we are supposed to be business partners. I really have no idea. I do know that our goals are very different though. If we get together as business partners later then okay and if not then okay too. Either way we can be good friends okay.
Howie

Riechan
Hi again. I want you to realize a few things. If you have a boyfriend then I want you to be straight and tell me about it. The only rule is that he not go in my bedroom. When I stayed at your house, Akiko went in your bedroom and Okaachan got kind of upset about it because she is my girlfriend and said not to do it again. The same rule has to apply to you at my house. Please be honest about this okay. If you are with someone, it would not affect our friendship. Actually it might make it stronger because I would really not want to be with you at all anymore. I want you to follow the rules though.
Now about the email. I am getting a lot of stress because you do not send email. You are the only connection between me and otasan and the house. If you do not send email then I get more stress and feel very isolated here and unable to deal with problems at home. I know you have time to talk with your guy and girl friends. You probably spend a lot of time meeting them or talking to them on the phone every week. I think you have the time to send a quick email. If we really are good friends, then you should realize the importance of contact from you. I am not asking you to send email every day. If you can only send once a week that’s okay. Pick one day to send email and make it like a work schedule. Every Sunday send email with an update about Otaosan and the house. It doesn’t have to be that long. You can write a few lines saying that everything is okay. If you cannot send on the schedule day then send email saying you cannot okay. I think this is not too much to ask of you.
The checking account probably needs money. I know you probably forgot but you were supposed to be checking the accounts and sending the account balances to me every month. Anyway, there is a checking account and a savings account. Transfer all the money from the savings account, except for one thousand dollars, to the checking account. When you complete this transaction, there should be only one thousand dollars in the savings account and the checking account should have the balance of the money from the savings account.
I also want you to set a time once a month for me to talk to you and to Otosan. Pick a day and time that is convenient for you and for him. It really would be nice to talk to you and him at least once a month. I am going to pay for the call.
I want you to check my credit card statement and tell me the companies and the amounts of the money being taken out of my credit card each month. The two companies should be only ATT and Tripod. Check this as soon as possible and email the information.
You are lucky to be able to leave your home, go abroad and not have to worry about anything. You have many people looking after your accounts and things. You need to realize that Otosan cannot do these things. This means that I only have you. If you really are coming back to Japan in August then I have no choice but to return home. I really have no idea why you chose not to accept my offer to pay for your school. A four year degree would dramatically change your situation and potential for a good job in the future. Your choice though.
I also want you to send the following as soon as possible.
Two Advil packages, each with one hundred, 200 mg caplets
Eight Speed Stick deodorant the large size and regular scent in the green container
Please send these regular mail so they arrive within one to two weeks. This is really important. I am getting headaches and I really stink these days now that it is getting warmer. If you are not sure then I can take a picture of the products and send them to you. I think you can get the correct products without the picture though.
Oh yeah, I used the same picture of you on the cafe page but with a different caption. I would like you to send a nice picture of you. I really want to put a site team together. It adds a much more personal touch to the site. There are plenty of impersonal English language sites on the Internet. The most popular sites often have family profiles or information about the site team. Really important to do something different for the site. I am going to continue to use that picture until you send something else okay. Try to vote often and check the site often. Let me know if you find any mistakes. That should do it for now. Talk to you again then.
Howie

Riechan
Hi. I want to thank you for your email and for being very straight as usual. I was happy that you are thinking about accepting my offer about the money. Quite honestly, I could not understand why you would not accept the offer. Once again these are the provisions.
I am going to give you any money you need for your college tuition.
You have to promise to pay the money back, obvious statement yeah.
You do not have to pay any interest. If I give you $30,000 then you only have to pay back the $30,000. You can begin to pay the money back after you graduate and have a regular job.
In return for this you look after the house and Otosan. If you do this, it gives me the flexibility to do many different things without feeling like I have to return to America. This is a real relief for me to not have to worry about things back home. I want you to be a little better about looking after things though. Like checking the bank statements more closely and stuff like that. If things do not look right then you should tell me immediately.
I want to talk about mentioning the school money if we get in an argument. There is no guarantee about this. You have to realize that I am human like you and cannot be perfect. I am going to try not to mention it though. If we do get in an argument, you know we are going to be okay after. I do not think it is possible for us to stay angry at each other. We always make up very quickly. We are best friends you know. Either way, it will not affect paying for your school. Even if we are pissed off at each other, I am going to pay for your education no matter what.
You can stay in my house as long as you want. The only change might be if you get in a relationship. Gonna hafta think about this for awhile. This will not affect the school money but you might have to move. I would still expect you to visit the house regularly and look after Otosan though. I think it is only fair that if you are in a relationship that your boyfriend look after your daily needs. Again, this is not going to have any affect on the school money or your obligation to look after Otosan and the house.
I was with Akiko when I stayed at your house. Your family seems to really like her but, because she is my girlfriend, it was very uncomfortable for everyone. You know the way Japanese people are. Anyway, because of this I felt pushed into moving before I was ready which is the reason I had to borrow the $2,000 from you. I think it is fair to expect you to do the same. I expect you to be honest with me about your situation anytime. I really think that Otosan would not mind if you were in a relationship. The situation is different with American thinking. Anyway, I suppose we can talk about that if you get in a relationship.
Oh yeah, about me staying in Japan. Hmmmm. Kind of a difficult topic. I was pretty set on coming back this year because I thought you were returning to Japan, but if you stay at my house that changes things a lot. This is my thinking. Recently I am feeling better. I am back to hiking again and I put myself on a very good diet. Almost all fruits and vegetables. Okay, some bread and an occasional bagel. Anyway, I decided also not to worry about the very narrow thinking of many of the people in Japan. This new way of thinking has made me feel much better. Kinda not sure if I told you this before. This is a really good way to think though.

There are things you can change. There are things you cannot change. The important thing is knowing the difference.

This has always been a problem for me because I often try to change the things that I cannot change. This includes the thinking of people which, of course, only they can change. If I can relax more and not worry about these things as much then I can deal with staying in Japan. I am in the process of looking for a Japanese business partner. If I can find someone good to work with then the chances of staying in Japan are much higher. I realize that I can make a lot of money in Japan until the site becomes more popular and generates some income. I would like to make schools throughout Japan and eventually in other countries using the cafe name. The actual goal is to have a business that runs itself. What that means is this. If I am the owner of many schools, I would obviously need to hire managers and teachers. This would allow me to move to any country and continue to work on and promote the site. This is the list of priorities.
The most important job is the site. This is going to provide the most money and allow me to move to any country.
The next would be schools in Nara.
Then schools in Japan.
Then schools in other countries.
I decided that I do not want to stay in Japan if I have a family. I do not mind being married and staying in Japan for awhile but there is no way I want to raise kids in Japan. I want my kids to be independent thinkers. Also if they are half American, they are gonna experience discrimination. I do not want them to have to deal with that. These days though, I am not sure if I want kids or not. Kind of nice to be able to do what I want every day without such a commitment. Kinda not sure about getting married either. Maybe you have the right idea about staying single. A relationship is nice but kind of a hassle at times. These days Akiko is crying because of her family. Then we spend a lot of time talking about the problem. Then I decided not to talk about it anymore and to meet not as often. Maybe she is worried that I am gonna split up with her soon. Anyway, I want to reside in the United States. Most likely somewhere in California. Really do not want to deal with winter anymore. That is the point of this long discussion.
Oh yeah, I was also very happy you are showing interest in the site. Quite honestly, the site is going to be very big eventually. I think it is such a good opportunity for someone to be a partner with me. This is not because of me. This is because the site is going to be famous and make a lot of money. Many people cannot see that far into the future. Most people think a site is a hobby and not a real business. I think it is a good opportunity for you. I am using the picture that you already knew about on the site so it is not without your permission. Check the cafe page when your have the time. It really looks good if the site has a team. Many of the popular sites have team or even family information. It makes the site a little more personal and friendly. I would really like you to send a more close up picture to use.
Anyway, hopefully this answers most of your questions and concerns. It really is best for you to get a four year degree. A two year degree is not good enough. With a business degree it really increases your chances of not only getting a good job but it also increases your potential to make more money. Anyway, let me know what you decide to do then. Talk to you then.
Howie

Riechan
Hi. I want to tell you a lot in this email. Mostly about the site. The job board continues to become more popular. I get email from schools around the world without even sending new email. Every week though, I send email to schools to get more job listings. Then the teachers also check the site. When they get jobs, then they can use the site for their lessons and tell their students about the site. This means there are three main groups now checking the site. The language schools, teachers and students. The site traffic is really increasing. As part of the marketing plan, I am putting up flyers in this area to advertise the classes and the site. Getting many new students. Now I have about thirty student hours. This is my new classification for counting students. If a student takes a one hour class, it counts as one student hour. If a student takes a two hour class, it counts as two student hours. I am now working only six hours a week and getting more than one thousand dollars per month. This has also resulted in the site becoming more popular.
The next two marketing plans are kinda crazy but gonna go for it anyway. In about a month, a really large shopping center is opening in Oji. The plan is to print out about 10,000 flyers and spend the entire week handing them out to the customers. This should result in a larger increase in the number of students in the classes. The next marketing plan is a little more crazy. The plan is to go to the area in Osaka where they street performers. The marketing team is going to hand out flyers. Now I am putting together a marketing team. The team is going to consist of Akiko and some of her friends. Kinda thought Akiko would not go for the idea because she is kinda conservative. The funny thing is she and her friends are really excited about doing it. The interesting part of the plan is that one of the team is going to be wearing an alien mask. It might have to be me if no one else wants. The idea is to show up at different places and eventually the news might show up. If this happens, it would be really good advertising for the site. You know, I decided to be really crazy from now on and not worry about things any more if possible. Anyway, you should see more about the marketing team, including pictures, on the site soon. You know I am looking for a business partner. Really not easy though. I have no doubt that when the site is really popular and making lots of money then everyone is going to want to be a business partner. If they cannot do at the beginning, then they do not get to do later. Anyway, gonna need a translation from you very soon. Please check email often. Maybe you could think about it from now. It is for the flyer to hand out. The cafe is going to change from the coolest site on the Internet to the coolest site in the Universe. Then it would be possible to use the alien mask. Kinda funny yeah. Oh yeah, I am going to be teaching at the Yokohama kissaten on Wednesday night. I am also gonna be teaching at your house on Thursday night. You know, I am really thinking a lot about getting married these days. Really enjoying the time I spend with myself and with my friends. Actually I have not seen Akiko that much these days. You know I kind needed a break because she is often sad about the situation. Then I spend a lot of time talking about the situation with the family and stuff like that. Anyway, now I want to meet when she has the entire day off. Probably Akiko is worried that I want to split up with her soon. Actually I have been thinking about it. The most pleasant time is hiking, teaching, working on the site and spending time with Okaachan. Actually I see her almost every day and talk a lot. Now my Japanese is getting better and it is more easy to communicate with her. This week a cleaned the outside and put some flowers in different pots. She was really surprised and happy when she came home. She was telling some people about it. Anyway, about you. I am happy about your decision. I think you are much happier in the United States and I am happy to do this for you. We can talk about the details later. You should be thinking about which business degree you plan to get. The best choices for you are tourism, marketing or finance. Let me know if you questions. Anyway, keep checking for the translation okay. I need to chat with you also to make some changes on the Japanese class pages. I need to know when you can chat. Actually I cannot until next week so maybe then. Anyway, that should do it for now. Please check the site often. In particular, the quiz pages, the three speaking programs and the job pages. These pages are updated the most and could have the most mistakes. If you find a mistake, tell me as soon as possible. Anyway, talk to you then.
Howie

Riechan
Hi. I wanted to tell you about the daily schedule. Except for Tuesday, this is the daily routine. I get up at around 6:30 and then I ride my bike from Sango to your house. I talk to Okaachan and then I eat morningu at Yokohama kissaten. Then I ride my bike to Myoujin and go hiking twice to the top of the mountain. Then I go back to your house and eat lunch with Okaachan. Then I go home and work on the computer. Kinda cool yeah. Anyway, tell me your schedule okay. I want you to say to Otousan. Talk to you then.
Howie

June 11, 2004 - File Entry - Temple Emanuel email. The date shown for the file is the date modified.

From Howard Hayman – items for the temple

Dear Susanne
Hi. I am writing to tell you that I have many things to give to the temple again. The items are considerably different this time. No antiques but a lot of collectibles. Anyway, I really need these items picked up as soon as possible. Anything you could do to expedite this would be greatly appreciated. I am planning to be out of town but I have arranged to have the items placed outside the entrance of the condo same as last time. Any day and any time is okay. Please let me know at least one day in advance. Thanks.

This is a list of the items. If you cannot take some of them please send email and let me know as soon as possible. Then I can arrange to have a company take the items you do not want.

The items include the following.

An oak entertainment center – good condition, heavy.
An old desk, possibly an antique – fair condition, heavy.
A nice cabinet – excellent condition.
A wood video shelf.
A Xerox office copier – needs an adjustment but was very expensive.
A 27 inch color television – works.
A nice lamp.
A brand name, good quality, queen size box spring and mattress set – good condition.
Around 19 containers with collectibles and miscellaneous items – some possibly valuable.
Two suitcases with clothes.

My telephone number has been disconnected. Please send email. Thanks again.
Howie

Dear Suzanne
Hi. Thank you for your email. I was disappointed the temple is unable to use these items. Anyway, if there is a charity that the temple uses, it would be greatly appreciated if you could ask them to pick up the items. Again, any day and any time is okay. Please let me know if you are able to arrange this. The items will be placed outside when they are to be picked up. Thank you very much for your assistance in this matter.
Sincerely
Howie

2004 - File Entry - Riechan money information to be sorted.

Checking Account 2004

Date	Check	Rie	Howie	Balance

Beginning balance		-3355.11	0	0
4/9 92736.72	Dep	0	0	96091.83
4/12	Atm	40.00	0	0
4/15	142	0	15.00	0
4/19	Atm	200.00	0	0
4/19	Atm	40.00	0	0
4/19	143	468.83	0	0
4/20	144	0	2382.00	0
4/20	145	0	4950.44	0
4/28	146	18.00	0	0
4/29	Asp	25.00	0	0
4/30	Dep	0	0	5811.09
5/3	Atm	60.00	0	0
5/3	147	34.44	0	0
5/7	148	0	847.90	0
5/10	149	232.00	0	0
5/14	Pos	40.82	0	0
5/14	Pos	5.37	0	0
5/17	Dep	0	0	24559.67
5/17	Atm	0	400.00	0
5/17	Atm	0	400.00	0
5/18	151	0	19.86	0
5/18	152	25.34	0	0
5/24	153	547.96	0	0
5/21	154	33.54	0	0
5/20	155	85.24	0	0
5/25	Dep	0	0	16622.41
5/26	Dep	0	0	191.34
6/1	Asp	25.00	0	0
6/1	156	34.44	0	0
6/1	158	0	287.13	0
6/1	159	242.20	0	0
6/1	160	0	33.36	0
6/4	157	0	75.00	0
6/8	161	0	28.90	0
6/8	162	47.65	0	0
6/22	163	20.00	0	0
6/23	164	55.00	0	0
6/21	165	56.27	0	0
6/21	166	416.81	0	0
6/25	167	42.84	0	0
6/29	Asp	25.00	0	0
6/29	Ad	101.91	0	0
7/2	Dep	0	0	172.55
7/2	Wit	0	0	-100000.00
Void	168	0	0	0
7/12	169	101.15	0	0
7/12	170	0	28.90	0
7/9	171	34.44	0	0
8/9	172	49.89	0	0
7/22	173	32.53	0	0
7/22	174	1007.78	0	0
7/29	Asp	25.00	0	0
7/29	175	750.00	0	0
7/29	Ad	101.41	0	0
Void	176	0	0	0
8/4	177	0	37.75	0
8/5	178	34.46	0	0
8/12	179	0	297.17	0
8/6	180	475.00	0	0
8/6	181	100.00	0	0
8/13	182	0	28.90	0
8/16	183	29.27	0	0
8/13	184	549.00	0	0
8/18	185	103.83	0	0
8/17	186	31.86	0	0
8/18	Pos	37.08	0	0
8/26	187	185.00	0	0
8/26	188	1000.00	0	0
8/23	189	239.33	0	0
8/27	Ad	48.12	0	0
8/30	Asp	25.00	0	0
8/31	190	58.22	0	0
N/A	191	0	0	0
N/A	192	0	0	0
N/A	193	0	0	0
N/A	194	0	0	0
N/A	195	0	0	0
N/A	196	0	0	0
N/A	197	0	0	0
N/A	198	0	0	0
N/A	199	0	0	0
N/A	200	0	0	0
N/A	201	0	0	0
N/A	202	0	0	0
N/A	203	0	0	0
N/A	204	0	0	0
N/A	205	0	0	0
N/A	206	0	0	0
N/A	207	0	0	0
N/A	208	0	0	0
N/A	209	0	0	0
N/A	210	0	0	0
N/A	211	0	0	0
N/A	212	0	0	0
N/A	213	0	0	0
N/A	214	0	0	0
N/A	215	0	0	0
N/A	216	0	0	0
N/A	217	0	0	0
N/A	218	0	0	0
N/A	219	0	0	0
N/A	220	0	0	0
8/31	221	217.00	0	0
9/2	Pos	48.60	0	0
9/7	Pos	50.04	0	0
9/7	222	0	298.90	0
9/8	223	72.18	0	0
9/8	224	34.52	0	0
9/13	225	30.28	0	0
9/13	226	32.42	0	0
9/23	Pos	31.90	0	0
	227	8.50	0	0
9/24	228	98.25	0	0
9/27	229	20.70	60.00	0
9/28	230	230.00	0	0
9/29	Asp	25.00	0	0
9/30	Ad	55.23	0	0
	231	0	28.90	0
10/5	232	72.18	0	0
10/5	233	34.54	0	0
10/8	Pos	105.24	0	0
10/12	234	21.56	0	0
10/12	235	19.95	0	0
10/14	236	232.20	0	0
10/2	231	0	28.90	0
9/20	227	8.50	0	0
Credit card		-351.10
Receipts		-440.11
Total		5244.50
Savings		-8707.59

8707.59

Included

Credit card
5/4/04	Ross	33.37
6/14/04	Comp USA	150.83
6/14/04	Home Dept	7.33
6/14/04	Home Dept	108.29
6/25/04	Home Dept	29.76
7/02/04	Comp USA	21.52
Total		351.10

Included

Receipts
4/9/04		40.12
4/22/04		3.79
4/26/04		117.01
4/29/04		107.72
5/4/04		32.30
5/24/04		62.19
6/1/04		3.53
6/1/04		25.83
6/1/04		17.86
6/25/04		29.76
Total		440.11

Not included

Date	Debit or Withdraw	Rie
4/12/04	ATM	40.00
4/19/04	ATM	40.00
5/3/04	ATM	60.00
5/14/04	Debit	40.82
5/14/04	Debit	5.37
8/18/04	Debit	37.08
9/07/04	Debit	50.04
9/23/04	Debit	31.90
10/08/04	?	105.24
Total		410.45

Not included

SDGE	6/29/04	Auto Pay	101.91
	7/29/04	Auto Pay	101.41
	8/27/04	Auto Pay	48.12
	9/30/04		55.23

	Total		306.67

	Rie	Howie
Check	8433.54	9076.06
Receipt		494.16	Receipt that Howie used using Rie’s Credit card Howie owed Rie 494.16
SDGE	306.67		Auto Pay (I paid utility by check before June) this amount is from June to September
Credit Card		317.73	Howie used this amount using Rie’s credit card Howie owed Rie 317.73
ATM & Debit	407.45		Rie used this amount from checking account

Total
	-811.89
Use	8335.77	9887.95

Checking	3355.11	24137.56	139729.89
Saving	8807.59	100498.49
Total	12162.7	124636.05	10/12/04

Money Left	3826.93