LRonollo

=Picture Practice=

=Budget Table=

(Note: You can only view the spreadsheet here. You must enter data from your actual Google Doc spreadsheet.) media type="custom" key="11994175" align="left"

= =

=Getting a Job= Cover Letter:

Resume: == = = = = =Taxes=
 * ~ Name of Tax ||~  ||~ Calculation of tax for the year (provide a complete formula for each tax's calculation) ||~   ||~ **Dollar amount of tax** ||~   ||~   ||~   ||
 * < **Social Security** ||  ||<   ||   || 1830.86 ||<   ||
 * < **Medicare** ||<  ||<   ||   || 428.185 ||
 * < **Federal income tax** ||<  ||< 29,530-9350 = 20,180 ||   || 2616 ||
 * < **PA income tax** ||<  ||<   ||   || 906.571 ||
 * <  ||<   ||> **Total for //year//:** ||   || 5781.616 ||
 * ||  || **Total for //each month//:** ||   || 481.80 ||

= = =Retirement Savings= Your responses here: ||
 * **__//Gross//__ //__monthly__// income - $2,461** ||  ||
 * **Retirement savings rate (as a percentage) 10%** ||  ||
 * **Dollar amount of retirement savings per month (gross monthly *rate = Dollar amount of retirement savings per month).** *333 ||  ||
 * $246.1 ||  ||
 * **Calculate how much money you will have at retirement at age 70 if you invest your budgeted amount at __6%__ yield. Use the compound interest spreadsheet calculator to do this. Assume your starting age is 22. You will need to calculate your annual contribution (principal) by multiplying your monthly retirement savings (above) by 12.** || $854,120 ||  ||   ||
 * **Calculate how much money you will have at retirement****at age 70 if you invest your budgeted amount at __8%__ yield. Use the compound interest spreadsheet calculator to do this. Assume your starting age is 22. You will need to calculate your annual contribution (principal) by multiplying your monthly retirement savings (above) by 12.** ||  || $1,690,818 ||   ||
 * **Respond to these questions in a few well written sentences:**
 * **Why did you select the retirement savings rate that you did?**
 * **What are the opportunity costs for your choice?** *
 * **What are the opportunity costs for your choice?** *

=Housing= 1 bathroom 650sqft ||  || gated security, electric range and garbage disposal, 24 hour maintenance and pest control, 6-12 month lease ||  ||
 * Issue || Answers/responses: ||
 * Maximum rent (take home pay * 30%) * ||  ||   ||
 * Monthly rent for your apartment/house: || $550-$650 ||  ||
 * Location || Baton Rouge, LA ||  ||
 * Amenities (i.e. number of bedrooms, baths, and size in square feet) || 1 bedroom
 * Selling features (What makes this a great apartment?) || stainless steel appliances and dishwasher
 * Possible downsides || ceiling fans in select units ||  ||
 * Parking || Surface Lot ||  ||
 * Included utilities || Water, Electric ,Heat ||  ||   ||
 * Security deposit requirement || yes ||  ||
 * Restrictions on pets? || None ||  ||
 * Length of lease || 6 months ||

=Transportation=
 * **Expense** || **Calculation** || **Dollar cost** ||
 * **Payment** || (From the Cars.com online calculator) || $61.07 ||
 * **Maintenance** || (Three levels of monthly maintenance based on car cost. See instructions above.) || $175 ||
 * **Gas** ||  || $129 ||
 * || **Monthly total** || 365.07 ||

=Insurance= <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">(to be entered on budget spreadsheet): ||  ||
 * = **<span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px;">Total Insurance Costs for Car, Rental, and Health Insurances ** ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Car Insurance: monthly premium (website quote divided by six months): ||>  ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Renter's Insurance monthly premium: || $30.00 ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Health Insurance monthly premium: || $100 ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">**Total** monthly cost for insurance premiums
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Health Insurance monthly premium: || $100 ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">**Total** monthly cost for insurance premiums



<span style="background-color: #ffffff; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 17px; text-align: left;">**//Water, Sewer, and Trash//**
 * Utilities **
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 17px; text-align: left;">Water, sewer, and trash are a little simpler. If these utilities are not included in your rent, use the fees listed in the table. If these are included in your rent, enter "$0."


 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 17px; text-align: left;">Copy the following table to your wiki and enter your utility costs.


 * **Utility** || **Calculation** || **Monthly Dollar Cost** ||
 * **Electric** || Online calculator (PDF uploaded to wiki) || $136.74 ||
 * **Water** || $25 per month (if not included in rent) || INC ||
 * **Sewer** || $25 per month (if not included in rent) || INC ||
 * **Trash removal** || $15 per month (if not included in rent) || INC ||
 * || **Monthly total:** || 136.74 ||
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 17px; text-align: left;">Enter the monthly cost of your utilities on your Google Doc B

= = =Communications=
 * **Service** || **Stand alone or bundled with another?** || **Cost** ||
 * **Cell** || STAND ALONE || $85.00 ||
 * **Land line** || N/A || 0 ||
 * **TV** || N/A ||
 * **Internet** || VERIZON - $50.00 ||
 * || **Total monthly cost:** || $135.00 ||
 * Food and Household Items **

i am choosing to save it because i want to be able to afford something nice in the long run
 * Miscellaneous **

=Questionnaire and Video= <span style="background-color: #ffffff; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;"> <span style="background-color: #ffffff; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Respond to these questions:
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Is your budget balanced?
 * YES
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">If not, by what amount are you over budget? What could you do to balance your budget?
 * N/A
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">If your budget is balanced, what else would you expect to do with the money that is not budgeted to be spent? Would you increase your spending anywhere?
 * I DONT PLAN TO SPEND IT BECAUSE I WOULD LIKE TO SAVE IT SO I CAN AFFORD SOMETHING NICER IN THE FUTURE
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Is this project a realistic simulation of what it would be like plan a monthly budget? What part of it do
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">you think was //**most**// realistic? In what ways is this simulation **//un//**realistic? (How could it be improved?)
 * YES I THINK THIS WAS REALISTIC BECAUSE OF THE CALCULATIONS AND HOW IT SHOWED HOW MUCH EVERYTHING COSTS
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">What has this project taught you about living in "the real world"?
 * IT TAUGHT ME THAT GETTING A GOOD EDUCATIONS AND JOB REALLY PAYS IN THE LONG RUN
 * YES I THINK THIS WAS REALISTIC BECAUSE OF THE CALCULATIONS AND HOW IT SHOWED HOW MUCH EVERYTHING COSTS
 * <span style="display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">What has this project taught you about living in "the real world"?
 * IT TAUGHT ME THAT GETTING A GOOD EDUCATIONS AND JOB REALLY PAYS IN THE LONG RUN
 * IT TAUGHT ME THAT GETTING A GOOD EDUCATIONS AND JOB REALLY PAYS IN THE LONG RUN