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Prospects
 

Prospects

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Financial Planning Final Project

Financial Planning Final Project

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    Prospects Prospects Presentation Transcript

    • Prospects Analís Amaro & Jose Gallegos
    • Incomes
      • Analís
        • Bi-weekly: $983.85
        • Monthly: $1,967.70
        • Signing bonus: $5,000
        • Jose
          • Bi–weekly $1,113.07
          • Monthly: $2,226.14
          • Signing bonus: $3,000
      Combined: Annually: $85,000 Net Annually: $57, 000 Monthly net: $4,193.84 Bi-weekly net: $ 2,096.92
    • Careers
      • Surgical Technologist
      • Paralegal
      -Assist in Surgical Procedures -Sterilize & Assemble Equipment / Area -Assist Lawyers in preparing for Closings, Hearings, Trials, & Corporate meetings -Prohibited from setting legal fees, giving legal advice, and presenting cases in court.
    • 7 Booth St #103, Gaithersburg MD 20878
    • Amenities include: Business Center, Pool, Exercise room, Billiards, Library
    •  
    • Unit Amenities: Dishwasher, Balcony/Patio, Ceiling fans, ceramic tile, Drapes/Blinds, Garbage Disposal, High Ceilings, Vaulted Ceiling, Skylight, Walk-in closets, Washer & Dryer.
    • Major Purchases $2,223.93 Some of these were bought in doubles
    • Minor Household Purchases
      • $521.38
    • Electronics
        • Jose - $1640
      • 47 in 1080p LG Widescreen LCD HDTV - $1,199.95
      • X-Box 360 250 GB - $299.99
      • 1 Sanyo Zio -W/Android Tech $139.99
        • Analis - $960
      • 1 Sanyo Zio -W/Android Tech $139.99
      • CPU - $549.99
      • Monitor/TV 23”- $269.99
    • Total Purchase costs
      • Jose and I agreed that I'd pay for the majority of the apartment furnishings since Jose would pay more rent.
      • We came to this conclusion because I make about - $360, I attained a bigger signing bonus, and I'd get driven to/from work.
      • Bonus: $5,000
        • -$2,776.07
        • -$521.38
        • -$960.00
        • =$1,294
      • Bonus: $3,000
        • -$1,000
        • -$1,640
        • = $360
    • Transportation
      • Jose’s Car:
        • Cost – 4.5 grand
        • Down payment: 1 grand
        • Monthly fee: $168.33 for 2 years
        • 5.95% Interest
        • At Carmax
        • Because of the close proximity/work schedules – I get driven to/from work every day.
    • Budget Deductions Analis Total Split Deductions Jose Total Monthly Net $1,967.70 $2,226.14 Rent -750.00 $1267.70 $1750 -1000.00 $1226.14 Transport – Car/Bus -168.33 $1057.81 Fuel -25.00 $1242.70 $60 -35.00 $1022.81 Fios -Cable/Internet -42.50 $1200.20 $85 -42.50 $980.31 Cell Phone - Cricket -55.00 $1150.20 -55.00 $930.31 Insurance -Farmers -75.00 $855.31 Food -90.00 $1060.20 $150.00 -60.00 $795.31 Charities* -75.00 $985.26 Entertainment/Misc -25.00 $960.26 -30.00 $765.31
        • * ASPCA -$20 Oceana -$20 WildLife Alliance -$20
        • Rainforest Conservation Fund - $15