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Des moines, ia
 

Des moines, ia

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    Des moines, ia Des moines, ia Presentation Transcript

    • Des Moines, IA
      Mike Dahl
      Allie Boyd
    • Initial Income
      Allie
      Occupation:
      Marine Biologist
      Initial Income: $45,000
      Disposable Income: $34,748.57
      ‍Michael
      • Occupation:
      Computer Engineer
      • Initial Income:
      $45,000
      • Disposable Income: $34,748.57
    • Taxation
      Allie
      Initial Income: $45,000
      Taxable Income: $35,650
      Federal Income Tax: -$5,100
      FICA: -$2,727.23
      State Income Tax: -$2,424.20
      Disposable Income: $34,748.57
      Michael
      • Initial Income: $45,000
      • Taxable Income: $35,650
      • Federal Income Tax: -$5,100
      • FICA: -$2,727.23
      • State Income Tax: -$2,424.20
      • Disposable Income: $34,748.57
    • Savings
      Allie and Michael
      Disposable Income: $34,748.57
      10% Savings: $3,474.86
      Monthly Savings: $289.58
      Savings Account with Bank of America: $3,474.86
      APY: 0.05%
      Interest Rate: 0.05%
      Budget: $31,253.71
    • Housing
      The Springs at Jordan Creek
      8655 Bridgewood Boulevard
      West Des Moines, CA 50266
      (13.4 miles from Des Moines)
      1,168 square feet
      2nd Floor Town Home Apartment
      2 Bedrooms
      2 Full Bathrooms
      Fully Furnished
      Garage
      Fitness Center
      Swimming Pool
      • Monthly Rent: $1,124
      • Annual Rent: $13,488
      • Lease Term: 1 year
      • Deposit: $100
      • Annual Renter's Insurance Cost: $256
    • Housing Expenses
      Allie and Michael
      Budget: $31,253.71
      Deposit: -$50
      Rent: -$6,744
      Renter's Insurance: -$128
      Remaining Budget: $24,331.71
    • Healthcare
      UnitedHealthOne: Plan 100
      Monthly Cost: $97.58
      Annual Cost: $1,170.96
      Annual Deductible: $2,500
      No Co-Pays
      Out of Network Coverage
    • Healthcare Expenses
      Allie and Michael
      Budget: $24,331.71
      Cost: -$1,170.96
      Deductible: -$2,500
      Remaining Budget: $20,660.75
    • Transportation
      • Down Payment: $2,000
      • Car Payment: 5 years
      • APR: 4.0%
      • Sales Tax: 6.0%
      • Gas: $3.54 per gallon
      Allie: 2011 Volkswagen Jetta
      Price: $16,988
      Monthly Payments: $294.79
      Insurance Costs: $844
      Registration: $96.94
      Average Mileage per Year: 12,000 miles
      Average Mile per Gallon: 30 miles
      Michael: 2009 Toyota Carolla
      • Price: $16,999
      • Monthly Payments: $295.01
      • Insurance Costs: $1,312
      • Registration: $138.70
      • Average Mileage per Year: 14,000 miles
      • Average Mile per Gallon: 35 miles
    • Transportation Expenses
      Michael
      • Budget: $20,660.75
      • Down Payment: -$2,000
      • 12 Month Payment: -$3,540.12
      • Insurance: -$1,312
      • Registration: -$138.70
      • Gas: -$1,416
      • Remaining Budget: $12,253.93
      Allie
      Budget: $20,660.75
      Down Payment: -$2,000
      12 Month Payment: -$3,537.48
      Insurance: -$844
      Registration: -$96.94
      Gas: -$1,416
      Remaining Budget: $12,766.33
    • Utilities
      Monthly Rates:
      Water (Des Moines Water Works): $43.69
      Internet/Cable/Phone Package (Qwest): $94.94
      Gas (MidAmerican): $55
      Electricity (Alliant): $99
    • Utility Expenses
      Allie
      Budget: $12,766.33
      Water: -$262.14
      Package: -$569.64
      Gas: -$330
      Electricity: -$594
      Remaining Budget: $11,010.55
      Michael
      • Budget: -$12,253.93
      • Water: -$262.14
      • Package: -$569.64
      • Gas: -$330
      • Electricity: -$594
      • Remaining Budget: $10,498.15
    • Food
      Allie
      Daily Eating Out: $10
      Weekly Groceries: $70
      Monthly: $600
      Michael
      • Daily Eating Out: $15
      • Weekly Groceries: $70
      • Monthly: $750
    • Food Expenses
      Allie
      Budget: $11,010.55
      Food: -$7,200
      Remaining: $3,810.55
      Michael
      • Budget: $10,498.15
      • Food: -$9,000
      • Remaining: $1,498.15
    • Extracurricular Activities
      Allie
      Gym: Free (included with Apartment Complex)
      Clothing: $2,000
      Pool: Free (included with Apartment Complex)
      Netflix: $7.99 /Month
      Traveling: $1,000
      Michael
      Gym: Free (included with Apartment Complex)
      Clothing: $500
      Pool: Free (included with Apartment Complex)
      Netflix: $7.99 /Month
      XBOX 360: $299.99
      Golf (Toad Valley): $143
    • Extracurricular Activity Expenses
      Allie
      Budget: $3,810.55
      Clothing: -$2,000
      Netflix: -$47.94
      Traveling: -$1,000
      Remaining Budget: $762.21
      Michael
      • Budget: $1,498.15
      • Clothing: -$500
      • Netflix: -$47.94
      • XBOX 360: -$299.99
      • Golf: -$143
      • Remaining Budget: $507.22
    • Bibliography
      "The 2011 Statistical Abstract: Food Cost and Prices." Census Bureau Home Page. U.S. Census Bureau, 20 Jan. 2011. Web. 07 June 2011. <http://www.census.gov/compendia/statab/cats/prices/food_cost_and_prices.ht ml>.
      "Alliant Energy : Rate Information." Alliant Energy : Home. 2011. Web. 07 June 2011. <http://www.alliantenergy.com/Newsroom/IntheNews/UtilityRateCases/IowaEle ctricRates/023177>.
      Andersen, Ty. "Toad Valley Public Golf Course | Toad Valley Golf Course." Golf | Golf Courses & Travel | Tips, Lessons & More | GolfLink. Golf Link, 2011. Web. 07 June 2011. <http://www.golflink.com/golf-courses/course.aspx?course=299745>.
      Apartment Guide. "Springs at Jordan Creek Apartments West Des Moines, IA - Apartments for Rent in West Des Moines Iowa." Apartments for Rent and Rentals - Free Apartment Finder | ApartmentGuide.com. Primedia Rentals, 2011. Web. 07 June 2011. <http://www.apartmentguide.com/apartments/Iowa/West-Des- Moines/Springs-at-Jordan-Creek/167986/>.
      Assurant. "Spring Apartment Renter's Insurance." If You Can See This Page, Check Your URL and Try Again. 2011. Web. 07 June 2011. <https://w2.assurant.com/ari/rentersinsurance/accountId/CPC/jobNumber/2774 67/B/eprod/7290739/quote.html>.
    • "Average Annual Miles per Driver by Age Group." Home | Federal Highway Administration. U.S. Department of Transportation, 04 Apr. 2011. Web. 07 June 2011. <http://www.fhwa.dot.gov/ohim/onh00/bar8.htm>.
      Bank of America. "Open a Regular Savings Account." Bankofamerica.com. FDIC, 2011. Web. 7 June 2011.
      "Des Moines Water Works - Rates." Des Moines Water Works. American Water Works Association, 2011. Web. 07 June 2011. <http://www.dmww.com/SubPageHTML.aspx?SubPageID=32>.
      Gas Buddy. "Iowa Gas Prices - Find Cheap Gas Prices in Iowa." DEX, 2011. Web. 07 June 2011. <http://iowastategasprices.com/GasPriceSearch.aspx>.
      Granger Motors. "2011 Volkswagen Jetta." New & Used Cars for Sale, Auto Dealers, Car Reviews and Car Finance Advice. Cars.com. Web. 07 June 2011. <http://www.cars.com>.
      "Insurance Quote." EHealthInsurance.com. EHealthInsurance Services, Inc., 2011. Web. 7 June 2011. <https://www.ehealthinsurance.com/ehi/ifp/plan- details?planKey=5006:107016&productLine=IFP&ifpUIState.planDetailsBackUrl=/ifp/help-me-choose>.
      "Iowa Income Tax Rates - Iowa & Other State Tax Rates Information. IA Tax Calculator." Salary.com. 24 Nov. 2010. Web. 07 June 2011. <http://swz.salary.com/salarywizard/layouthtmls/swzl_statetaxrate_ia.h tml>.
    • MidAmerican Energy Holdings Company. "Electric and Gas Rates: Iowa West." MidAmerican Energy Company. Feb. 2011. Web. 07 June 2011. <http://www.midamericanenergy.com/econdevEGRates.aspx?id=iwg>.
      "New Membership." Netflix.com. Netflix, Inc., 2011. Web. 7 June 2011. <http://movies.netflix.com/WiHome>.
      Progressive. "Car Quotes." Car Insurance: Auto Insurance & Online Insurance Quotes - Progressive. Auto Insurance 5. Web. 07 June 2011. <https://autoinsurance5.progressivedirect.com/AutoDisplayPage.aspx>.
      "Session Timeout." Connect and Save on Your Utilities at WhiteFence | Home Phone | Cable TV | High-Speed Internet | Electricity. White Fence, 07 June 2011. Web. 07 June 2011. <https://www.whitefence.com/WebObjects/WhiteFence.woa/wa/topOff ersResults?eID=1057545>.
      Social Security Online. "FICA & SECA Tax Rates." The United States Social Security Administration. Usa.gov, 29 Dec. 2010. Web. 07 June 2011. <http://www.ssa.gov/oact/progdata/taxRates.html>.
      "State Sales Tax Rates." Careers, Finance and Investing : Money-zine.com. Winter 2011. Web. 07 June 2011. <http://www.money- zine.com/Financial-Planning/Tax-Shelter/State-Sales-Tax-Rates/>.
      "TIME-21 - Iowa DOT." Iowa Department of Transportation. 01 Jan. 2009. Web. 07 June 2011. <http://www.iowadot.gov/time21/vehicle_reg.html>.
    • Toyota of Des Moines. "2009 Toyota Carolla LE." New & Used Cars for Sale, Auto Dealers, Car Reviews and Car Finance Advice. Cars.com. Web. 07 June 2011. <http://www.cars.com>.
      Xbox. "Xbox 360 Consoles - Xbox.com." Xbox 360 - Official Site - Xbox.com. 2011. Web. 07 June 2011. <http://www.xbox.com/en- US/xbox360/consoles?xr=shellnav>.