MariaT

=**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** ||  ||< $42,534 * 6.2% = ||   || $2637.108 ||<   ||
 * < **Medicare** ||<  ||< $42,534 * 1.45%= ||   || $616.743 ||
 * < **Federal income tax** ||<  ||< tax table to calculate ||   || $6,819 ||
 * < **PA income tax** ||<  ||< $42,534 * 3.07%= ||   || $1305.7938 ||
 * <  ||<   ||> **Total for //year//:** ||   || $11378.6448 ||
 * ||  || ** Total for //each month//: ** ||   || $948.2204 ||

=**Retirement Savings**=
 * ||= ** Dollar amount or rate ** * ||
 * **__//Gross//__ //__monthly__// income -** || $3544.50 ||
 * **Retirement savings rate (as a percentage)** || 4% ||
 * **Dollar amount of retirement savings per month (gross monthly *rate = Dollar amount of retirement savings per month).** * || $141.78 ||
 * **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.** || $492,265 ||
 * **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.** || $974,488 ||
 * **Respond to these questions in a few well written sentences:**
 * **Why did you select the retirement savings rate that you did? because i wanted to have a nice amount of money to retire with.**
 * **What are the opportunity costs for your choice?** ||
 * **Why did you select the retirement savings rate that you did? because i wanted to have a nice amount of money to retire with.**
 * **What are the opportunity costs for your choice?** ||

=**Housing**= || $1063.35 ||  || || $579 ||   || || naples, fl ||   || || same city ||  || || one bedroom one bathroom 719sq feet ||  || || dogs allowed views ||  || ||  ||   || || ample parking ||   ||
 * sue ||  Answers/responses: ||
 * Maximum rent (take home pay * 30%) * 
 * Monthly rent for your apartment/house:
 * Location
 * Distance from work
 * Amenities (i.e. number of bedrooms, baths, and size in square feet)
 * Selling features (What makes this a great apartment?)
 * Possible downsides
 * Parking
 * Included utilities || air conditioning ||  ||   ||
 *  Security deposit requirement || $89 ||  ||
 *  Restrictions on pets? || no ||  ||
 *  Length of lease ||

=**Transportation**=
 * **Expense** || **Calculation** || **Dollar cost** ||
 * **Payment** || (From the Cars.com online calculator) || $574.66 ||
 * **Maintenance** || (Three levels of monthly maintenance based on car cost. See instructions above.) ||  ||
 * **Gas** ||  || $152.77 ||
 * || ** Monthly total ** || $727.43 ||

=**Insurances**=

(to be entered on budget spreadsheet): || $1335.70 ||
 * = **<span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 120%;">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): ||> $1030.00 ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;"> Renter's Insurance monthly premium: || $245.71 ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;"> Health Insurance monthly premium: || $59.99 ||
 * > <span style="font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif;"> **Total** monthly cost for insurance premiums

=**Utilities**=

=**Communications**=


 * File Properties ||
 * File Properties ||

=**Food and Household Items**=

=**Miscellaneous**=

=**Questionnaire and Video**=

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