LIVING INSAN

DIEGO, CA

By:

Connie Tang &

Kenji Sumikawa

TAXES Kenji: Income: $55,000

Tax: $7,600 State Tax: $2,510 Social Security & Health

Tax (7.65%): $4,207.50+___________________

Total: $14,317.50

Disposable Income:$55,000-$14,317.50 =$40,682.50

Connie: Income: $40,000

Tax: $4,183 State Tax: $1,228 Social Security & Health

Tax (7.65%): $3,060

+___________________

Total: $8,471

Disposable Income:

$40,000 - $8,471 =

$31,529

SAVING

Kenji’s Saving:$1449.47

Connie’s Saving:$550.75

Invest in Chase Savings Account

Minimum Initial Deposit: $25

Interest Rate: 0.35% APY: 0.35% Min. to earn APY: $5000 Transaction Fees: $12/

transaction over limit of 6 per month.

Invest in Chase Savings Account

Minimum Initial Deposit: $25

Interest Rate: 0.35% APY: 0.35% Min. to earn APY: $5000 Transaction Fees: $12/

transaction over limit of 6 per month.

HOUSING: TIERRASANTA RIDGE APPARTMENT

Address: 5410 Repecho Drive 92124

Square Ft: 810 Deposit: $400

$200 per person Monthly Rent: $1375

$687.50 per person Renter’s insurance:

$244 per year $10.17 per month

per person

HEALTHCAREConnie: Blue Shield of California Plan: Vital Shield 900 Monthly Premium: $97/ month Plan type: PPO Deductible: $900 Out of pocket maximum: $4900 Office visits: $40 for first visit per

year, then $0 after out-of-pocket maximum

Preventive care exams: 0$ Hospitalization: 40% after deductible Lab & x-ray: $0 after out of pocket

maximum Emergency room $100 per visit +

40% after deductible Prescriptions: Generic only Dental: Available Life: Available

Kenji: Blue Shield of California Plan: Vital Shield 900 Monthly Premium: $97/ month Plan type: PPO Deductible: $900 Out of pocket maximum: $4900 Office visits: $40 for first visit per

year, then $0 after out-of-pocket maximum

Preventive care exams: 0$ Hospitalization: 40% after deductible Lab & x-ray: $0 after out of pocket

maximum Emergency room $100 per visit +

40% after deductible Prescriptions: Generic only Dental: Available Life: Available

TRANSPORTATIONKenji’s Honda Civic Sales Price: $24,050 Down Payment: $2000 Interest: 4.00% Loan Term: 60 months Sales Tax: $0 Total Paid for Loan: $24,365.06 Monthly Payment: $406.08Car details Mileage: 44 mpg city/

44mpg hwy Fuel cost: $4.00 per gallon Approx. :

Connie’s Toyota Yaris Sales Price: $13455 Down Payment $2000 Interest rate: 4.00% Loan Term: 60 months Sales Tax: $1300 Total Paid for Loan: $13958 Monthly Payment: $232Car details Mileage: 29 mpg city/ 36

mpg hwy Fuel cost: $4.00 per gallon Approx. : $110 / month on

gas

UTILITIES

Connie and Kenji: Cell Phone Plan: T-

mobile “Even More™ Ultd Talk + Ultd Text” : $59.99/ month

All of our utilities are covered in the apartment rent Includes gas, water,

waste disposal, internet, cable, electricity.

AVERAGE COST OF UTILITIES IN SAN DIEGO

Gas & Electric: $100 per month Water, Sewer & Trash Collection:

$60 per month Most Basic Cable Plan: $20 per

month Most Basic Internet:

$34.99 per month Most Basic Phone:

$14.99 per month (U.S. and Canada Long Distance:

add 5 cents per minute calls)

FOOD

Each person: Spend approx: $120/

week $480 per month Shop:

-Trader Joes-Mitsuwa Supermarket-Vons

EXTRACURRICULAR ACTIVITIESActivity Cost

Swimming Pool Free

Tennis/ Volleyball Free

Fitness Center Free

Television Free

Picnic free

beach Free

Sea World $69.99 admission fee + $12 parking fee

San Diego Zoo $40 admission fee

Snorkeling in La Jolla Cove

$70.00

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California Apartments - Home - Tierrasanta Ridge. Web. 08 June 2011. <http://www.tierrasantaridge.com/2>.

"Best Savings Account Rates | Money-Rates.com." Bank Rates | Savings Account Rates | Highest CD Rates. Web. 08 June 2011. <http://www.money-rates.com/savings.htm#fill-table>.

Blue Shield of California. Web. 08 June 2011. <https://www.blueshieldca.com/>.Cell Phones| 4G Cell Phone Plans |Android Tablet PCs| T-Mobile. Web. 08 June 2011.

<http://www.t-mobile.com/>."Expert Newswire." Home Page. Web. 08 June 2011.

<http://www.payrollexperts.com/BlogRetrieve.aspx?BlogID=3486>.Franchise Tax Board Homepage. Web. 08 June 2011. <http://www.ftb.ca.gov/index.shtml?

disabled=true>.New Car Pictures, Prices and Reviews - Yahoo! Autos. Web. 08 June 2011.

<http://autos.yahoo.com/>."Residential Phone Plans Overview Serving San Diego | Cox Communications." Welcome -

Please Select Your Service Area | Cox Communications. Web. 08 June 2011. <http://ww2.cox.com/residential/sandiego/phone/phone-plans.cox>.

"San Diego Cost of Living - Information about the Cost of Living in San Diego." San Diego Real Estate, Carlsbad Real Estate, Listings, Relocation and Foreclosures. Web. 08 June 2011. <http://www.realestatelibrary.com/costofliving.html>.

"San Diego Renters Insurance - Cheap Renters Insurance Quotes in San Diego." Renters Insurance - Compare Cheap Renters Insurance Quotes. Web. 08 June 2011. <http://www.rentersinsurance.net/san-diego.html>.