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Thread: Camming and paystubs?

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    Default Camming and paystubs?

    I apologize if this has been asked and answered but I couldn't find anything about it while searching on here. I work on streammate and I'm trying to move into a new apartment and they require pay stubs showing my earnings and hours worked. The apartment says if I'm self employed then I can show my income with a 1099, which streammate says they issue at the end of the year, but I've only been camming for three months. Should I screenshot streammate's earning page? I don't know how to go about this but I really want to be able to get a place with the income I've been getting. Anyone have any help?

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    Default Re: Camming and paystubs?

    For the past three months that you've been working on Streamate, how were you paid? I wouldn't screenshots SM unless you don't mind them knowing you are a camgirl. Even if you don't, most places would care that you do adult work. For future reference, you can post all things related to SM here:
    https://www.stripperweb.com/forum/sh...reamate-Thread
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    Default Re: Camming and paystubs?

    Sorry about putting this in the wrong spot

    They send a check and I have all the invoices from those checks, but that's not a pay stub. They said a pay stub is legally required to have hours worked and gross year to date income, all my invoices could be random checks that I'm claiming as regular income. So I'm not really sure what to do here

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    Default Re: Camming and paystubs?

    Quote Originally Posted by Anne_marie View Post
    Sorry about putting this in the wrong spot

    They send a check and I have all the invoices from those checks, but that's not a pay stub. They said a pay stub is legally required to have hours worked and gross year to date income, all my invoices could be random checks that I'm claiming as regular income. So I'm not really sure what to do here


    I'm looking for apartments too... SM provided me a letter of employment.

    Didn't know about the legal requirement of hours worked :/

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    Default Re: Camming and paystubs?

    Quote Originally Posted by Anne_marie View Post
    Sorry about putting this in the wrong spot

    They send a check and I have all the invoices from those checks, but that's not a pay stub. They said a pay stub is legally required to have hours worked and gross year to date income, all my invoices could be random checks that I'm claiming as regular income. So I'm not really sure what to do here


    I'm looking for apartments too... SM provided me a letter of employment.

    Didn't know about the legal requirement of hours worked :/

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    Default Re: Camming and paystubs?

    oh ok, who would I contact for that? I don't know how to go about getting that.

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    Default Re: Camming and paystubs?

    I honestly don't know what their problem is but a pay stub is attached to your check. That's why you deposit your checks and keep the pay stubs. Can you show them your bank statement of the checks from SM that were deposited? SM changed their name to ICF. You can post this in the SM thread. Maybe someone else can chime in!
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    Default Re: Camming and paystubs?

    Quote Originally Posted by Anne_marie View Post
    oh ok, who would I contact for that? I don't know how to go about getting that.

    I contacted the regular support email -- they forwarded my request to some dept;; they got back to me with a letter a few days later.

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    Default Re: Camming and paystubs?

    There's a ton of discussion about this in Dollar Den ... such as

    The reason that would-be landlords want to see actual pay stubs is because they prove the fact that the person is an 'employee' ... thus likely to have a net income level which will be the same in future months as it is this month which can be used to make monthly lease payments. An apartment lease is just a different form of a loan i.e. a 12 month lease at $1000 per month with 2 months worth of up-front money is essentially equivalent to the tenant / borrower taking out a $10,000 unsecured loan from the lender / landlord with a 20% down payment, and nothing for the lender / landlord to repossess if the borrower / tenant doesn't pay in full.

    Where any loan is concerned ... and an apartment lease is just a different form of loan ... the lender needs some assurance of the borrower's ability to repay. Employee paycheck stubs provide that assurance because the landlord can assume that the employee will be receiving the same sized ( after-tax ) paycheck every pay period. Where self-employed persons are concerned, there may be huge variation in earnings levels between one month and the next, and tax liabilities are not included in the ( pre-tax ) payment amounts received. Thus where loans to self-employed people are concerned, the lender usually wants to see a history of ( after-tax ) earnings over time that can be averaged out to provide that assurance. Besides 'proof of income', the lender / landlord is also likely to want to see a relatively clean credit report, a halfway decent credit score, etc.

    The best 'proof of income' in that regard are copies of past years' tax return filings which include 1099 income and which show net income after taxes have been paid. The second best 'proof of income' are bank statements from a separate 'business' bank account ... which show webcam host checks / transfers being regularly deposited, which show ~25% of that amount being withdrawn every 3 months to make quarterly estimated tax payments, and which show ~75% being transferred out again to your regular 'personal' bank account on a weekly / bi-weekly / monthly basis as a de-facto 'paycheck' to yourself. It's even better if the separate 'business' bank account is formalized into a registered business via an LLC or S-Corp, but that's not absolutely necessary.

    As discussed in the related Dollar Den threads, while 'corporate' landlords are likely to be strict about 'proof of income', credit report history, credit score, etc., it's possible that 'mom and pop' landlords may be far less demanding. However, 'mom and pop' landlords may also be 'nosey' in regard to their tenant's activities.

    'Corporate' landlords may also loosen up on their strictness in exchange for a larger 'down payment' i.e. putting up 4 months worth of rent up front versus the standard 2 months. The larger 'down payment' serves to lessen the 'corporate' landlord's potential loss risk if the self-employed tenant defaults on their lease, because that extra 'down payment' money can be used by the landlord to cover legal fees for eviction, to cover advertising fees to find a replacement tenant, to cover cleaning and other costs to get the apartment ready for a new tenant's occupancy, etc.
    Last edited by Melonie; 11-01-2014 at 05:42 AM. Reason: s

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    Default Re: Camming and paystubs?

    I'm looking to move also, so I'm glad You started this thread.
    It confuses me that landlords want to see your earnings, because employment status could change on a dime.
    I know, because it happened to me.
    I rented my current place while I was still working in corporate(and private dancing on the side). (6 years ago).
    The company I worked for went under after just one year living in my apt.
    The rent kept going up, and at first I explained what happened to the landlord, and asked for a deduction in rent for a while.
    Being the coldhearted corporation they are, they said no, and gave me a 3 day pay-or-quit letter. (Even though I was up to date with rent payments).
    I quickly got into camming, (clips, and pso),and thought I'd be fine.
    It's been a struggle for years now, and I had to stop paying credit card bills so I could eat, live, etc.
    My pristine credit is in the crapper, and I must move to a less expensive place. I have no savings, and must default on my lease, which I have 7 more months left on, because this is the first month I don't have all of it, and will be at least 2 weeks late on it.(if I decide to pay it). I'd really love to know how to get around all of this.
    Any help would be appreciated.
    Thanks, Glam

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    Default Re: Camming and paystubs?

    It confuses me that landlords want to see your earnings, because employment status could change on a dime.
    In truth, this isn't strictly about the 'logic' of corporate landlords wanting to establish a would-be lease tenant's actual ability to repay. In the 'new normal' economy, banks and corporate landlords realize that a given person's financial situation can change in an instant.

    In point of fact, this is more about new post-2007 real estate bust bank regulations which REQUIRE lenders to perform 3rd party 'income verification', credit checks etc. Since the majority of today's 'corporate landlords' are working with 'borrowed money' ( i.e. bank money or investor money ), they are also REQUIRED by their own lenders to perform 3rd party 'income verification', credit checks etc. as a matter of policy ... because the ability of lease tenants to repay the 'corporate landlord' directly affects the 'corporate landlord's' ability to repay its bank or investors.

    On the other hand, 'mom and pop' landlords are working with 'their own money'. As such, 'income verification' and credit check regulations do not apply. Mom and pop landlords can therefore enforce as many, or as few, requirements upon new tenants as they choose. It's usually the case that mom and pop landlords will be rather 'flexible' in regard to official documentation and paperwork, but will put more stock in 'personal observation'. Ironically, this may make it easier for a camgirl to lease an apartment from a mom and pop landlord in the first place, but may also make living / camming in that apartment more difficult after she moves in !!!


    It's been a struggle for years now, and I had to stop paying credit card bills so I could eat, live, etc.
    My pristine credit is in the crapper, and I must move to a less expensive place. I have no savings, and must default on my lease, which I have 7 more months left on, because this is the first month I don't have all of it, and will be at least 2 weeks late on it.(if I decide to pay it). I'd really love to know how to get around all of this.
    There's really only one way to 'get around all this' ... filing for bankruptcy !!!

    Not meaning to aggravate your own situation, but this does provide a 'teachable moment' for other dancers and camgirls.

    Point #1 - dancing and camming incomes can be volatile. 'New Girl' popularity with customers wears off quickly. Economic conditions affecting your customers can go up and down with the local economy, with oil / food price levels, with taxes, with the seasons etc. As such, it is inherently risky for a dancer or camgirl to enter into any financial 'commitments' without having at least a year or two of 'personal earnings history' to indicate what she can actually afford.

    Point #2 - dancers and camgirls don't actually 'own' 100% of their earnings. Even though the bill may not have come due yet, 25%-30%-35% of their earnings actually belong to the tax man. As such, determining what a dancer or camgirl can actually afford must take into account these tax liabilities.

    Point #3 - an apartment lease is the functional equivalent of a loan. Thus defaulting on an apartment lease will potentially have the same negative effect on credit score, credit rating etc. as defaulting on an auto loan, defaulting on a credit card, etc.

    Point #4 - dancers and camgirls don't have unemployment insurance coverage. As such, if some 'unexpected' event should occur, dancers and camgirls potentially face zero incoming cash flow for some period of time - while monthly payment commitments and other living expenses still need to go out. For this reason, it is recommended that dancers and camgirls set aside their own 'insurance fund' ... in the form of sufficient savings to cover 3-6 months worth of normal living expenses ... before entering into financial commitments.
    Last edited by Melonie; 11-01-2014 at 05:31 PM. Reason: e

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    Default Re: Camming and paystubs?

    Like Marina stated, you get checks from sm. All of their checks come with a paystub that says what you made each and every day. It has ICF Technology on the top. Use that as proof.




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    Default Re: Camming and paystubs?

    Quote Originally Posted by Glamourmilf View Post
    I'm looking to move also, so I'm glad You started this thread.
    It confuses me that landlords want to see your earnings, because employment status could change on a dime.
    I know, because it happened to me.
    I rented my current place while I was still working in corporate(and private dancing on the side). (6 years ago).
    The company I worked for went under after just one year living in my apt.
    The rent kept going up, and at first I explained what happened to the landlord, and asked for a deduction in rent for a while.
    Being the coldhearted corporation they are, they said no, and gave me a 3 day pay-or-quit letter. (Even though I was up to date with rent payments).
    I quickly got into camming, (clips, and pso),and thought I'd be fine.
    It's been a struggle for years now, and I had to stop paying credit card bills so I could eat, live, etc.
    My pristine credit is in the crapper, and I must move to a less expensive place. I have no savings, and must default on my lease, which I have 7 more months left on, because this is the first month I don't have all of it, and will be at least 2 weeks late on it.(if I decide to pay it). I'd really love to know how to get around all of this.
    Any help would be appreciated.
    Thanks, Glam
    I thought you were subleasing? Anyway, it sounds like you need a budget and more eggs in your basket. Also, see if you can talk to your landlord or subleaser to see if you can pay an extra fee for paying them late. If they send out a notice to vacate you have 3-10 days from the date of that form to get in your rent. If I were you I'd sit down and go over a budget and have a new work schedule. You mentioned before you don't show your face anymore on cam but perhaps you might need to for a few months until you can get your money in good standing. Split camming, more eggs, and a budget will get you right back on track.




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    Default Re: Camming and paystubs?

    you get checks from sm. All of their checks come with a paystub that says what you made each and every day. It has ICF Technology on the top. Use that as proof.
    These are obviously checks, but they are not 'employee' pay stubs. They provide no idea to the prospective landlord / lender how much tax liability the recipient has, or as not, withheld money for in the way that an 'employee' pay stub does. To a prospective lender, an unpaid $10,000 tax liability is worse than a $10,000 loan owed to a different lender ... because the IRS has absolute priority regarding collections. At least with a second $10,000 loan, the prospective lender would have equal priority if a collection became necessary. Also, a webcam host check stub provides the lender with no indication as to whether another webcam host check will arrive next week, nor how much that check will be for.

    Yes, showing a webcam host check stub is better than nothing. But in and of itself, it doesn't tell the prospective 'corporate' landlord much more than showing them a $1000 winning lottery ticket would. This is the reason that, where self-employed people are concerned, banks and 'corporate' landlords want to see documentation reflecting average income over time i.e. tax returns / annual 1099's, or dedicated 'business' bank account statements showing regular webcam host payments coming in, and regular estimated tax payments going out.
    Last edited by Melonie; 11-02-2014 at 12:50 PM.

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    Default Re: Camming and paystubs?

    Hey Glamourmilf,

    I would say that you an few choices in this matter. Both Melonie and kortneykay addressed what you could do wonderful. However, I would like to give my opinion as well.

    1. If your landlord refuses to work with you, give your 30 day notice and that way you would have enough time to look for and get an cheaper apartment.

    2. If your landlord is willing to work with you, then you give always pay for the late fees in addition to the rent.

    3. You can take an part-time vanilla job in the meantime. There are several work from home jobs you can take. For example, some real estate agents and other professionals hired virtual assistants for 10-15 dollars per hour.

    4. You can do more camming and pso work. Do split cam and take more phone calls. Texting can also help out with the bills.

    5. You can do other at home entertainment jobs such as psychic entertainment. Now many "high-end" psychic want you to have "gifts" before hiring you. However, you can always work with psychic-connection.com or even keen.

    6. Budget, Budget, and Budget some more.


    Quote Originally Posted by Glamourmilf View Post
    I'm looking to move also, so I'm glad You started this thread.
    It confuses me that landlords want to see your earnings, because employment status could change on a dime.
    I know, because it happened to me.
    I rented my current place while I was still working in corporate(and private dancing on the side). (6 years ago).
    The company I worked for went under after just one year living in my apt.
    The rent kept going up, and at first I explained what happened to the landlord, and asked for a deduction in rent for a while.
    Being the coldhearted corporation they are, they said no, and gave me a 3 day pay-or-quit letter. (Even though I was up to date with rent payments).
    I quickly got into camming, (clips, and pso),and thought I'd be fine.
    It's been a struggle for years now, and I had to stop paying credit card bills so I could eat, live, etc.
    My pristine credit is in the crapper, and I must move to a less expensive place. I have no savings, and must default on my lease, which I have 7 more months left on, because this is the first month I don't have all of it, and will be at least 2 weeks late on it.(if I decide to pay it). I'd really love to know how to get around all of this.
    Any help would be appreciated.
    Thanks, Glam

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    Default Re: Camming and paystubs?

    Quote Originally Posted by Melonie View Post
    These are obviously checks, but they are not 'employee' pay stubs. They provide no idea to the prospective landlord / lender how much tax liability the recipient has, or as not, withheld money for in the way that an 'employee' pay stub does. To a prospective lender, an unpaid $10,000 tax liability is worse than a $10,000 loan owed to a different lender ... because the IRS has absolute priority regarding collections. At least with a second $10,000 loan, the prospective lender would have equal priority if a collection became necessary. Also, a webcam host check stub provides the lender with no indication as to whether another webcam host check will arrive next week, nor how much that check will be for.

    Yes, showing a webcam host check stub is better than nothing. But in and of itself, it doesn't tell the prospective 'corporate' landlord much more than showing them a $1000 winning lottery ticket would. This is the reason that, where self-employed people are concerned, banks and 'corporate' landlords want to see documentation reflecting average income over time i.e. tax returns / annual 1099's, or dedicated 'business' bank account statements showing regular webcam host payments coming in, and regular estimated tax payments going out.
    Most apartment complexes today only need to see a paystub or "proof" that you made ex amount of money and have done so consistently. I just moved out of a nice apartment complex myself and scored a new place on a 2 year lease and neither cared about tax liability. I, or anyone I know has never asked about taxes and if I pay them or not. They want their rent paid and paid on time. Period. They were told that I was self-employed and just wanted to know if I can pay rent. No other questions asked.

    They want to know that you make 3X the amount of your weekly stub and that you can and will pay rent on time. She can tell them that she just started working 3 months ago and I'm sure they will/can use that as proof. I have had no issues renting with check stubs from SM. Matter of fact, several places will accept proof of income from the payroll office and or a deposit, first and last month's rent.




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    Default Re: Camming and paystubs?

    Sometimes income verification for housing has to be a little more thorough than usual, for example if it's subsidized housing. Whether or not the tenant gets housing assistance, they often have to be stringent with income checks because they may have limits on how much you can earn, or other restrictions related to income.

    I've worked in Social Services, where everything is all about income verification. They wouldn't have accepted the check stubs from SM because, like Melonie said, they aren't real pay stubs from an employer. An employer pay stub would show info like salary or hourly rate, how many hours you work per week, how often you get paid, and that kind of thing. They are at least a little reliable, because an employer is going to make sure that you show up for a reasonably consistent number of hours. We all know that, as contractors, no one makes us show up, and we can take off weeks or months if we feel like it.

    This may or may not apply, but at Social Services, we would normally verify self-employment income using a tax return showing business income. Since the OP hasn't worked a whole year or filed taxes yet, the next best thing would have been business records since the start of the business. You might want to ask if they'd accept that.

    Business records would normally include a list of all income that you've received from camming, and all expenses that you've paid specifically for camming. Under expenses, you don't need to go crazy counting parts of your utilities and internet and stuff. Just stick with actual camming supplies and expenses, like your cam and your dildos and other stuff you use just for camming. Your record should also show the date you started camming and the date that you wrote the business record so they can tell how long it took you to earn that amount of money. I don't know if that would be sufficient or acceptable, but if you're having difficulty verifying income, providing business records is an option worth investigating.
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    Default Re: Camming and paystubs?

    Quote Originally Posted by Magical_Hoohah View Post
    Sometimes income verification for housing has to be a little more thorough than usual, for example if it's subsidized housing. Whether or not the tenant gets housing assistance, they often have to be stringent with income checks because they may have limits on how much you can earn, or other restrictions related to income.

    I've worked in Social Services, where everything is all about income verification. They wouldn't have accepted the check stubs from SM because, like Melonie said, they aren't real pay stubs from an employer. An employer pay stub would show info like salary or hourly rate, how many hours you work per week, how often you get paid, and that kind of thing. They are at least a little reliable, because an employer is going to make sure that you show up for a reasonably consistent number of hours. We all know that, as contractors, no one makes us show up, and we can take off weeks or months if we feel like it.

    This may or may not apply, but at Social Services, we would normally verify self-employment income using a tax return showing business income. Since the OP hasn't worked a whole year or filed taxes yet, the next best thing would have been business records since the start of the business. You might want to ask if they'd accept that.

    Business records would normally include a list of all income that you've received from camming, and all expenses that you've paid specifically for camming. Under expenses, you don't need to go crazy counting parts of your utilities and internet and stuff. Just stick with actual camming supplies and expenses, like your cam and your dildos and other stuff you use just for camming. Your record should also show the date you started camming and the date that you wrote the business record so they can tell how long it took you to earn that amount of money. I don't know if that would be sufficient or acceptable, but if you're having difficulty verifying income, providing business records is an option worth investigating.
    The place I'm applying to is Affordable Housing so they are much stricter. Thanks for your reply, I'll try and put together a business record and talk to them and see if they can work with me at all on it. If not I guess I'll just try and find somewhere that's not subsidized and not as strict.

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    Default Re: Camming and paystubs?

    Im applying for an apartment and using paystubs from the past month. Do I mark myself as self employed or an employee of ICF? thanks

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    Default Re: Camming and paystubs?

    self employed is your legal status because SM lists you as a contractor and will send a 1099 form to you and the IRS at the end of the year. You will need to send in your taxes to the IRS yourself as SM/ICF will not.

    Just because someone writes you a check for services performed does not make you an employee. An easy way to remember for future references is, if the paycheck list taxes taken out, you are an employee -otherwise contractor. Think of it like, you wrote your hairdresser a check. He/she performed a service, but does not work for you. You performed a service for ICF.
    Hope that helps.
    p.s. Since you are listing on app self employed, be prepared to show proof of income other than these checks. Perhaps last years tax return for your self employment or current bank statements. Your bank should be able to proide you with a statement o deposits since what you spend your money on is no ones business.

    Hope that helps.
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    Default Re: Camming and paystubs?

    Quote Originally Posted by ashley2001 View Post
    Im applying for an apartment and using paystubs from the past month. Do I mark myself as self employed or an employee of ICF? thanks
    Although you are legally self-employed, many people do not know the difference (between self- and regularly employed).
    It's honestly easiest to just say that those checks are your paystubs from your employer.

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    Default Re: Camming and paystubs?

    I use to and might still be available to offer to make paystubs and probably employment letters I made them to get into my apartment 7 years ago. Technically Streamte won't give you an employment letter because you are not an employee for them your an independent contractor.

    If you payment option is set to check from streamate then you will always have a paystub in your check, its what you rip off when you deposit your check, unless you are not ripping it off then the bank teller does.
    Stripperweb is closing! Join me over at WeCamgirls

    A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn. It can be as much more as you can afford. - Richest Man in Babylon

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