Brian+Stutzman

media type="file" key="Questionnaire.mov" width="300" height="300"


 * **Service** || **Stand alone or bundled with another?** || **Cost** ||
 * **Cell** || Bundle || $89 ||
 * **Land line** ||  ||   ||
 * **TV** ||  ||
 * **Internet** ||  ||
 * || **Total monthly cost:** || $89 ||


 * ~ Name of Tax ||~  ||~ Calculation of tax for the year (provide a complete formula for each tax's calculation) ||~   ||~ **Dollar amount of tax** ||~   ||~   ||~   ||
 * < **Social Security** ||  ||< .062 X $36,257 = $2,247 / 12 = ||   || $187.25 ||<   ||
 * < **Medicare** ||<  ||< .0145 X $36,257 = $525.73 / 12 = ||   || $43.81 ||
 * < **Federal income tax** ||<  ||< $3,629 / 12 = ||   || $302.42 ||
 * < **PA income tax** ||<  ||< .03 X $36,257 = $1,088 / 12 = ||   || $90.67 ||
 * <  ||<   ||> **Total for //year//:** ||   || $7489.80 ||
 * ||  || **Total for //each month//:** ||   || $624.15 ||


 * **Utility** || **Calculation** || **Monthly Dollar Cost** ||
 * **Electric** || Online calculator (PDF uploaded to wiki) || $66.27 ||
 * **Water** || $25 per month (if not included in rent) || $nicl ||
 * **Sewer** || $25 per month (if not included in rent) || $nicl ||
 * **Trash removal** || $15 per month (if not included in rent) || $nicl ||
 * || **Monthly total:** || $66.27 ||
 * **Expense** || **Calculation** || **Dollar cost** ||
 * **Payment** || (From the Cars.com online calculator) ||  ||
 * **Maintenance** || (Three levels of monthly maintenance based on car cost. See instructions above.) ||  ||
 * **Gas** ||  ||   ||
 * || **Monthly total** || $ ||

(to be entered on budget spreadsheet): || $1,487.08 ||
 * = **Total Insurance Costs for Car, Rental, and Health Insurances ** ||
 * > Car Insurance: monthly premium (website quote divided by six months): ||> $1,370 ||
 * > Renter's Insurance monthly premium: || $17.08 ||
 * > Health Insurance monthly premium: || $100 ||
 * > **Total** monthly cost for insurance premiums
 * > Health Insurance monthly premium: || $100 ||
 * > **Total** monthly cost for insurance premiums




 * ||= **Dollar amount or rate** * ||
 * **__//Gross//__ //__monthly__// income -** || $3,021.42 ||
 * **Retirement savings rate (as a percentage) $36,257 X .15 = $543.86 / 12 =** || $453.20 ||
 * **Dollar amount of retirement savings per month (gross monthly *rate = Dollar amount of retirement savings per month).** * ||  ||
 * **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.** || $1,478,910 ||
 * **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.** || $2,878,566 ||
 * **Respond to these questions in a few well written sentences:**
 * **Why did you select the retirement savings rate that you did?**
 * Because I want to be a 70 year old man being able to do what i can and live life to the fullest with $1,000,000 in my pocket.
 * **What are the opportunity costs for your choice?**
 * **Personally none because it's what I want and it will be my way of saying goodbye to work and hello to golf everyday.** ||
 * **What are the opportunity costs for your choice?**
 * **Personally none because it's what I want and it will be my way of saying goodbye to work and hello to golf everyday.** ||



=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="11999697" align="left"

Personal Washer and drier, Patio and balcony, etc. ||  || Gym, Washer and Drier, Private Mailbox, Smoke detector, Trash ||  ||   ||
 * Issue || Answers/responses: ||
 * Maximum rent (take home pay * 30%) * ||  ||   ||
 * Monthly rent for your apartment/house: || $845 - $910 ||  ||
 * Location || Norristown ||  ||
 * Amenities (i.e. number of bedrooms, baths, and size in square feet) || 2 bedrooms, 1 bath ||  ||
 * Selling features (What makes this a great apartment?) || Gym, Close to work, Compatible with pets,
 * <span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Possible downsides || Not many ||  ||
 * <span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Parking || Own parking ||  ||
 * <span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Included utilities || Microwaves, High Speed Internet, Furniture, Patio and Balcony,
 * <span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Security deposit requirement ||  ||   ||
 * <span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Restrictions on pets? || Pets are allowed ||  ||
 * <span style="color: #000000; display: block; font-family: 'Palatino Linotype','Book Antiqua',Palatino,serif; font-size: 16px; text-align: left;">Length of lease || 3 months, 6 months, 12 months, Flexible Lease terms 2-14 mos. ||





=Getting a Job=

= = = = = = =Taxes=

= = =Retirement Savings=

=Housing=

=Transportation=

=Insurance=


 * Utilities **

= = =Communications=


 * Food and Household Items **


 * Miscellaneous **

=Questionnaire and Video=