Hassan+Gardner

=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"

[[file:REAL COVER LETTER.pdf]]
=Getting a Job=

= = = = = = =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** ||  ||< 40,000x.062% ||   || 2480 ||<   ||
 * < **Medicare** ||<  ||< 40,000x.0145% ||   || 580 ||
 * < **Federal income tax** ||<  ||< 40,000-9350=30650 ||   || 4184 ||
 * < **PA income tax** ||<  ||< 40,000x.0307% ||   || 1228 ||
 * <  ||<   ||> **Total for //year//:** ||   || 8472 ||
 * ||  || **Total for //each month//:** ||   || 706 ||

= = =Retirement Savings= Your responses here: i chose this because it is a resonable amount of money and i gave up 2 pairs of new sneakers for each month instead i got 1 pair each month. ||
 * ||= **Dollar amount or rate** * ||
 * **__//Gross//__ //__monthly__// income -** || 3,333 ||
 * **Retirement savings rate (as a percentage)** || 9% ||
 * **Dollar amount of retirement savings per month (gross monthly *rate = Dollar amount of retirement savings per month).** * || 300 ||
 * **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.** || 1.041mill ||
 * **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.** || 2.061mill ||
 * **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?** *
 * **Why did you select the retirement savings rate that you did?**
 * **What are the opportunity costs for your choice?** *

=Housing=
 * Issue || Answers/responses: ||
 * Maximum rent (take home pay * 30%) * || 788 ||  ||
 * Monthly rent for your apartment/house: || 750 ||  ||
 * Location || gulph mills ||  ||
 * Amenities (i.e. number of bedrooms, baths, and size in square feet) || 1 BR 1 Bath 550 Sq ft ||  ||
 * Selling features (What makes this a great apartment?) || the cost is low ||  ||
 * Possible downsides || nothing ||  ||
 * Parking || yes ||  ||
 * Included utilities || trash sewer water ||  ||   ||
 * Security deposit requirement || 300 ||  ||
 * Restrictions on pets? || $20 extra if you want a pet ||  ||
 * Length of lease || 6months, and 12 months ||

=Transportation=
 * **Expense** || **Calculation** || **Dollar cost** ||
 * **Payment** || (From the Cars.com online calculator) || 90 ||
 * **Maintenance** || (Three levels of monthly maintenance based on car cost. See instructions above.) || 175 ||
 * **Gas** || 25mpg || 200 ||
 * || **Monthly total** || 456 ||

=Insurance= (to be entered on budget spreadsheet): || 387.50 ||
 * = **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): ||> 77.5 ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;">Renter's Insurance monthly premium: || 210 ||
 * > <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

include<span style="-webkit-border-horizontal-spacing: 2px; -webkit-border-vertical-spacing: 2px; border-collapse: collapse; line-height: normal;">d || included || included ||
 * Utilities **
 * **Utility** || **Calculation** || **Monthly Dollar Cost** ||
 * **Electric** || Online calculator (PDF uploaded to wiki) || $
 * **Water** || $25 per month (if not included in rent) || $included ||
 * **Sewer** || $25 per month (if not included in rent) || $
 * **Trash removal** || $15 per month (if not included in rent) || $
 * || **Monthly total:** ||  ||

= = =Communications=
 * **Service** || **Stand alone or bundled with another?** || **Cost** ||
 * **Cell** || t-mobile || 50 ||
 * **Land line** || N/A ||  ||
 * **TV** || Cable-100 ||
 * **Internet** || N/A ||
 * || **Total monthly cost:** || 150 ||


 * Food and Household Items **

**Questionnaire and Video** **Something i could've cut down on was my retirement money i could've put less money into that and been able to survive more then I was doing before i would've made the changes.**
 * Miscellaneous **