Final Assignment Part B

As a financial planner, you have been asked by the bishop to help a family in the ward. You have met with Brother and Sister H
to gather all of their financial information and present it to you. During the last meeting they expressed dispair concerning their
with the following information. They have expressed a sincere desire to put their financial life in order, no matter what sacrifice

You have suggested a family council, and they have explained to their 3 children that everyone will be involved in learning corr
During your previous visit you helped them cut up all of their credit cards. They have made a commitment to "pay as you go",
You have been asked to prepare a comprehensive financial plan that will help them now, as well as prepare them for retiremen
Brother and Sister Hopeful are both 35 years old.

Brother Hopeful has a good job and brings home $4,800 / month in net take home pay. He does have a profit sharing program
in the amount of $150 / month. Sister Hopeful does a small part time job out of their home while the children are at school and

They currently have 2 cars. The older car is paid off, but they still have a payment of $200 / month on the new car for 28 more
but they have a first mortgage payment of $1,149.00 / month on the loan at 6% APR, and $582.82 / month payment on the 2nd
When they purchased their home 8 years ago they made a substantial downpayment, and their home is currently worth $175,0

The average monthly expenses that they have provided show the following: $450 / food, $155 / several lessons for each child
$70 / life insurance, $200 / medical insurance, $120 / car insurance for both cars, $25 / internet, $95 / cable TV, $275 / all utiliti
$85 / cell phone program for both, $170 / gas for both cars, $85 / bowling league, $35 / newspaper, $30 / misc.
They pay $615 in tithing and offerings and $35 to other charities.

They have given you the following information concerning their debt. Because they cannot make all of their payments, they ha
and in some cases, they have missed payments. They are always receiving debt collection phone calls and there is significan
Sister Hopeful's mother has made some of the payments for them, but her family is not very well off and can't help much longe

Amount
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57
$216,915.80

APR %
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6.0%

Current Payments
Payment Remaining Description
$158.00
48
Credit Card #1
$34.67
36
Credit Card #2
$274.37
60
Credit Card #3
$280.85
84
Credit Union Loan
$200.00
28
Car Loan
$92.72
24
Gas Credit Card
$65.07
36
Medical Bill
$582.82
142
2nd Mortgage
$1,149.00
147
1st Mortgage
$2,837.50

Total debt

After reading your written report, the bishop has asked you to serve on a ward council welfare committee to help this faithful fa
As a minimum, the committee has been asked to prepare a monthly budget of their current situation, a proposed budget to hel
eliminate all of their debt and prepare them for retirement.

You will receive up to 5 points for the budget of their current situation, up to 10 points for a proposed budget along with sugges
and you will receive up to 10 points for a detailed plan to eliminate their debt and establish a retirement plan (5 + 10 + 10 = 25
Submit all of your completed spreadsheet for grading.

326401552.xlsx, 08/10/2016

ard. You have met with Brother and Sister Hopeful and have asked them
eting they expressed dispair concerning their situation and presented you
nancial life in order, no matter what sacrifices they have to make.

at everyone will be involved in learning correct principles for everyone's long term benefit.
ve made a commitment to "pay as you go", but need help to know where to begin.
m now, as well as prepare them for retirement.

pay. He does have a profit sharing program where the company contributes to his 401k
eir home while the children are at school and brings home a net take home paycheck of $350 per month.

of $200 / month on the new car for 28 more months at 7% APR. They own their home
R, and $582.82 / month payment on the 2nd mortgage at 9.5% APR.
ent, and their home is currently worth $175,000.

/ food, $155 / several lessons for each child, $30 / laundry, $20 / dry cleaning, $15 / gifts
$25 / internet, $95 / cable TV, $275 / all utilities, $75 home phone service,

y cannot make all of their payments, they have been making minimum payments,
collection phone calls and there is significant stress in their home.
s not very well off and can't help much longer.

ncil welfare committee to help this faithful family.

r current situation, a proposed budget to help them progress forward, and a detailed plan to

nts for a proposed budget along with suggested changes to meet your plans,
stablish a retirement plan (5 + 10 + 10 = 25 points total).

326401552.xlsx, 08/10/2016

Age of retirement Actual age

65

Type of expense
Varibale
Fixed
Variable
Variable
Variable
Fixed
Fixed
Fixed
FIxed
Fixed
Variable
Fixed
Fixed
Fixed

Expenses
Food
Child Lessons
Laundry
Dry Cleaning
Gifts
Life Insurance
Medical Insurance
Car Insurance
Internet
Cable Tv
All utilities
Home Phone
Tithing
Charities
Total Expenses

35

450
465
30
20
15
70
200
120
25
95
275
75
615
35
2490

Total monthly debts

2837.5

Total

5327.5

Surplus/Debt

-327.5

Income
BH net home pay
SH net home pay

4650
350

Total income

5000

Debt Information
Family Hopeful
Home (1rst morgage)
Home (second Mortgage)
Int rate
Periods
Monthly pay Int rate
Periods
Monthly pay
6%
147
1149
9.50%
142
582.82
Credit Card #1
Credit Card #2
Int rate
Periods
Monthly pay Int rate
Periods
Monthly pay
12%
48
158
15%
36
34.67
Credit Card #3
Gas Credit Card
Int rate
Periods
Monthly pay Int rate
Periods
Monthly pay
11%
60
274.37
12%
24
92.72
Credit Union Loan
Medical Bill
Int rate
Periods
Monthly pay Int rate
Periods
Monthly pay
6%
84
280.85
15%
34
65.07
New Car
Old Car
Int rate
Periods
Monthly pay Int rate
Periods
Monthly pay
7%
28
200 Payed Off Payed Off
Payed Off

Actual Budge
Hopeful Family
JAN

FEB

MAR

APR

Income
BH net take home
SH net Take Home

###
###
###
###
$ 350.00 $ 350.00 $ 350.00 $ 350.00

Total Income

###

###

###

###

Expenses
Variable Expenses
Food
Laundry
Dry Cleaning
Gifts
All utilities
Cable Tv

$ 450.00 $ 450.00 $ 450.00 $ 450.00

$ 30.00 $ 30.00 $ 30.00 $ 30.00
$ 20.00 $ 20.00 $ 20.00 $ 20.00
$ 15.00 $ 15.00 $ 15.00 $ 15.00
$ 275.00 $ 275.00 $ 275.00 $ 275.00
$ 95.00 $ 95.00 $ 95.00 $ 95.00

Total Variable Expen $ 790.00 $ 790.00 $ 790.00 $ 790.00

Fixed Espenses
Child Lessons
Life Insurance
Medical Insurance
Car Insurance
Internet
Home Phone
Tithing
Charities
Credit Card #1
Credit Card #2
Credit Card #3
Gas Credit Card
Credit Union Loan
Medical Bill
New Car
Home 1st Morgage
Home 2nd Morgage
Total Fixed Expen

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

Total Expenses

###

###

###

###

Surplus/Debt

-$

82.50 -$

82.50 -$

82.50 -$

82.50

Total Surplus/Debt

-$

82.50 -$

165.00 -$

247.50 -$

330.00

tual Budget

Hopeful Family
MAY

JUN

JUL

AGO

SEP

OCT

NOV

DIC

###
###
###
###
###
###
###
###
$ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00
###

###

###

###

###

###

###

###

$ 450.00 $ 450.00 $ 450.00 $ 450.00 $ 450.00 $ 450.00 $ 450.00 $ 450.00

$ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00 $ 30.00
$ 20.00 $ 20.00 $ 20.00 $ 20.00 $ 20.00 $ 20.00 $ 20.00 $ 20.00
$ 15.00 $ 15.00 $ 15.00 $ 15.00 $ 15.00 $ 15.00 $ 15.00 $ 15.00
$ 275.00 $ 275.00 $ 275.00 $ 275.00 $ 275.00 $ 275.00 $ 275.00 $ 275.00
$ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00 $ 95.00
$ 790.00 $ 790.00 $ 790.00 $ 790.00 $ 790.00 $ 790.00 $ 790.00 $ 790.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

465.00
70.00
200.00
120.00
25.00
75.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
###
###

###

###

###

###

###

###

###

###

-$

82.50 -$

82.50 -$

82.50 -$

82.50 -$

82.50 -$

82.50 -$

82.50 -$

82.50

-$

412.50 -$

495.00 -$

577.50 -$

660.00 -$

742.50 -$

825.00 -$

907.50 -$

990.00

BUDGET PROPO
JAN

FEB

MAR

APR

Income
BH net take home

$ 4,800.00

###

SH net Take Home

### $ 350.00 $ 350.00

Total Income

$ 5,150.00

350.00

###

###

###

###

###

Expenses
Variable Expenses

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

Total Variable Expe $

670.00

Food
Laundry
Dry Cleaning
Gifts
All utilities
Cable Tv

###
###
###
###
###
###
$670.00

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

$670.00

$670.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

Fixed Espenses
Child Lessons
Life Insurance
Medical Insurance
Car Insurance
Internet
Home Phone
Tithing
Charities
Credit Card #1
Credit Card #2
Credit Card #3
Gas Credit Card
Credit Union Loan
Medical Bill
New Car Loan
Home 1st Morgage
Home 2nd Morgage

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

300.00
50.00
200.00
120.00
40.00
615.00
35.00
158.00
34.67
274.37
92.72
280.85
65.07
200.00
582.82
1,149.00

###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###

Total Fixed Expens $ 4,197.50

###

###

###

Total Expenses

$ 4,867.50

###

###

###

Surplus/Debt

282.50 $

282.50 $

282.50 $

Total Surplus/Debt

282.50 $

565.00 $

847.50 $ 1,130.00

282.50

Proposed Solutio

1) Eating outside once a month for the whole family- Buying in Costco and
Reduce costs by buying 2 quality products on washin
Change family habits of electricity consumption and water con
Cable TV plan+ Internet Promo $45
Reduce the childs classes to $300
Stop Using te dry cleaning- Start to use the power of
Change phone companies- Metro PCS for a cheaper service- Not gettin
Get a cheaper life Insurance plan-$50

ET PROPOSAL
MAY

JUN

###

JUL

###

AGO

###

SEP

###

OCT

###

NOV

###

DIC

###

###

$ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00 $ 350.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

###

$
$
$
$
$
$

400.00
10.00
15.00
200.00
45.00

$670.00

$670.00

$670.00

$670.00

$670.00

$670.00

$670.00

$670.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

$ 300.00
$
50.00
$ 200.00
$ 120.00
$
$
40.00
$ 615.00
$
35.00
$ 158.00
$
34.67
$ 274.37
$
92.72
$ 280.85
$
65.07
$ 200.00
$ 582.82
$ 1,149.00

###

###

###

###

###

###

###

###

###

###

###

###

###

###

###

###

282.50 $

282.50 $

282.50 $

282.50 $

282.50 $

282.50 $

282.50 $

282.50

$ 1,412.50 $ 1,695.00 $ 1,977.50 $ 2,260.00 $ 2,542.50 $ 2,825.00 $ 3,107.50 $ 3,390.00

sed Solutions

ole family- Buying in Costco and Rancho Market (cost of $400)

ying 2 quality products on washing- $10
ricity consumption and water consumption- $200
V plan+ Internet Promo $45
e the childs classes to $300
eaning- Start to use the power of the Sun
for a cheaper service- Not getting new phones to pay- $40
eaper life Insurance plan-$50

Debts
Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6%

Total Debt
Monthly Income that they need
Annual Income that they need

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

$216,915.80

# of Pmts
48
36
60
84
28
24
36
142
147

$ / mth
$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

A roll-over plan to get them completely out of debt using an extra $100 per month savings.
You must answer how long it will take for them to be completely out of debt? 107 years
How much will they have in their retirement account if they retire at age 65?
121,201,730.91

The reson I decided to pay off the credit card# 3 first is because the monthly interest and principle a
periods of payment are not too long. after paying off credit card#3 and credit union loan. We will be
credit card #1,2, car loan, gas credit card, medical bill. then start to pay off the 2nd mortgage and 1

month savings.
107 years

interest and principle are high, and the

t union loan. We will be also paying off
he 2nd mortgage and 1st mortgage.

Listing of all debts

Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

$216,915.80

# of Pmts
48
36
60
84
28
24
36
142
147

$ / mth
$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

First Debt(credit card#3) = $274.37 + $257.50 = $124.63

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Payment
$556.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87
$531.87

11.0%
Interest
$115.67
$111.63
$107.78
$103.89
$99.97
$96.01
$92.01
$87.98
$83.91
$79.81
$75.66
$71.48
$67.26
$63.00
$58.70
$54.37
$49.99
$45.57
$41.11
$36.61
$32.08
$27.49
$22.87
$18.20
$13.50
$8.74

Principal
$441.20
$420.24
$424.09
$427.98
$431.90
$435.86
$439.86
$443.89
$447.96
$452.06
$456.21
$460.39
$464.61
$468.87
$473.17
$477.50
$481.88
$486.30
$490.76
$495.26
$499.79
$504.38
$509.00
$513.67
$518.37
$523.13

$12,619.08
Remaining Balance
$12,177.88
$11,757.65
$11,333.55
$10,905.57
$10,473.67
$10,037.81
$9,597.95
$9,154.07
$8,706.11
$8,254.04
$7,797.84
$7,337.45
$6,872.84
$6,403.97
$5,930.80
$5,453.30
$4,971.41
$4,485.12
$3,994.36
$3,499.10
$2,999.31
$2,494.93
$1,985.93
$1,472.27
$953.89
$430.77

Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

$216,915.80

# of Pmts
48
36
60
84
28
24
36
142
147

$ / mth
$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

Second Debt(Credit Union Loan), after 27 mths payment goes to $280.85 + $531.8

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

Payment
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$280.85
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72

6.0%
Interest
$117.96
$117.14
$116.32
$115.50
$114.67
$113.84
$113.01
$112.17
$111.33
$110.48
$109.63
$108.77
$107.91
$107.05
$106.18
$105.30
$104.43
$103.54
$102.66
$101.77
$100.87
$99.97
$99.07
$98.16
$97.24
$96.33
$95.40
$94.48
$90.60
$86.71
$82.80
$78.87
$74.93
$70.96
$66.97
$62.96
$58.93
$54.88

Principal
$162.89
$163.71
$164.53
$165.35
$166.18
$167.01
$167.84
$168.68
$169.52
$170.37
$171.22
$172.08
$172.94
$173.80
$174.67
$175.55
$176.42
$177.31
$178.19
$179.08
$179.98
$180.88
$181.78
$182.69
$183.61
$184.52
$185.45
$774.24
$778.12
$782.01
$785.92
$789.85
$793.79
$797.76
$801.75
$805.76
$809.79
$813.84

$23,591.40
Remaining Balance
$23,428.51
$23,264.80
$23,100.27
$22,934.92
$22,768.75
$22,601.74
$22,433.90
$22,265.22
$22,095.70
$21,925.33
$21,754.10
$21,582.02
$21,409.08
$21,235.28
$21,060.61
$20,885.06
$20,708.63
$20,531.33
$20,353.13
$20,174.05
$19,994.07
$19,813.19
$19,631.41
$19,448.71
$19,265.11
$19,080.58
$18,895.13
$18,120.89
$17,342.77
$16,560.77
$15,774.85
$14,985.01
$14,191.21
$13,393.45
$12,591.69
$11,785.93
$10,976.14
$10,162.30

39
40
41
42
43
44
45
46
47
48
49
50

$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72
$868.72

$50.81
$46.72
$42.61
$38.48
$34.33
$30.16
$25.97
$21.75
$17.52
$13.26
$8.98
$4.68

$817.91
$822.00
$826.11
$830.24
$834.39
$838.56
$842.75
$846.97
$851.20
$855.46
$859.74
$864.04

$9,344.40
$8,522.40
$7,696.29
$6,866.05
$6,031.66
$5,193.10
$4,350.34
$3,503.38
$2,652.17
$1,796.71
$936.98
$72.94

es to $280.85 + $531.87 = $868.72

Listing of all debts

Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

$216,915.80

# of Pmts
48
36
60
84
28
24
36
142
147

$ / mth
$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

3rd Debt(2nd Mortgage), after 51 mths payment goes to $582.82 + $868.72 =

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

Payment
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82

9.5%
Interest
$392.76
$391.26
$389.74
$388.22
$386.67
$385.12
$383.56
$381.98
$380.39
$378.79
$377.17
$375.54
$373.90
$372.25
$370.58
$368.90
$367.21
$365.50
$363.78
$362.05
$360.30
$358.54
$356.76
$354.97
$353.17
$351.35
$349.52
$347.67
$345.81
$343.93
$342.04
$340.13
$338.21
$336.28
$334.33
$332.36
$330.38
$328.38

Principal
$190.06
$191.56
$193.08
$194.60
$196.15
$197.70
$199.26
$200.84
$202.43
$204.03
$205.65
$207.28
$208.92
$210.57
$212.24
$213.92
$215.61
$217.32
$219.04
$220.77
$222.52
$224.28
$226.06
$227.85
$229.65
$231.47
$233.30
$235.15
$237.01
$238.89
$240.78
$242.69
$244.61
$246.54
$248.49
$250.46
$252.44
$254.44

$49,612.40
Remaining Balance
$49,422.34
$49,230.79
$49,037.71
$48,843.10
$48,646.96
$48,449.26
$48,250.00
$48,049.16
$47,846.73
$47,642.69
$47,437.04
$47,229.77
$47,020.85
$46,810.28
$46,598.04
$46,384.12
$46,168.51
$45,951.19
$45,732.15
$45,511.37
$45,288.85
$45,064.57
$44,838.51
$44,610.66
$44,381.01
$44,149.54
$43,916.24
$43,681.09
$43,444.08
$43,205.19
$42,964.41
$42,721.72
$42,477.12
$42,230.57
$41,982.08
$41,731.62
$41,479.17
$41,224.73

39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$582.82
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54
$1,451.54

$326.36
$324.33
$322.29
$320.22
$318.14
$316.05
$313.94
$311.81
$309.66
$307.50
$305.32
$303.12
$300.91
$298.68
$289.55
$280.35
$271.08
$261.73
$252.32
$242.82
$233.25
$223.61
$213.89
$204.09
$194.21
$184.26
$174.23
$164.11
$153.92
$143.65
$133.30
$122.86
$112.34
$101.74
$91.05
$80.28
$69.43
$58.48
$47.46
$36.34
$25.14
$13.84

$256.46
$258.49
$260.53
$262.60
$264.68
$266.77
$268.88
$271.01
$273.16
$275.32
$277.50
$279.70
$281.91
$1,152.86
$1,161.99
$1,171.19
$1,180.46
$1,189.81
$1,199.22
$1,208.72
$1,218.29
$1,227.93
$1,237.65
$1,247.45
$1,257.33
$1,267.28
$1,277.31
$1,287.43
$1,297.62
$1,307.89
$1,318.24
$1,328.68
$1,339.20
$1,349.80
$1,360.49
$1,371.26
$1,382.11
$1,393.06
$1,404.08
$1,415.20
$1,426.40
$1,437.70

$40,968.27
$40,709.78
$40,449.25
$40,186.65
$39,921.98
$39,655.21
$39,386.32
$39,115.31
$38,842.16
$38,566.84
$38,289.34
$38,009.64
$37,727.73
$36,574.87
$35,412.88
$34,241.69
$33,061.23
$31,871.43
$30,672.20
$29,463.48
$28,245.20
$27,017.26
$25,779.61
$24,532.16
$23,274.83
$22,007.55
$20,730.24
$19,442.81
$18,145.19
$16,837.30
$15,519.06
$14,190.38
$12,851.18
$11,501.38
$10,140.89
$8,769.63
$7,387.52
$5,994.46
$4,590.38
$3,175.18
$1,748.78
$311.08

o $582.82 + $868.72 = $321.77

Listing of all debts

Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

$216,915.80

# of Pmts
48
36
60
84
28
24
36
142
147

$ / mth
$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

4th Debt(1st Mortgage), after 81 mths payment goes to $1149 + $1451.54 = $461

Month
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

Payment
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

6.0%
Interest
$597.06
$594.30
$591.53
$588.74
$585.94
$583.13
$580.30
$577.45
$574.60
$571.72
$568.84
$565.94
$563.02
$560.09
$557.15
$554.19
$551.21
$548.22
$545.22
$542.20
$539.17
$536.12
$533.05
$529.97
$526.88
$523.77
$520.64
$517.50
$514.34
$511.17
$507.98
$504.78
$501.55
$498.32
$495.06
$491.79
$488.51
$485.21

Principal
$551.94
$554.70
$557.47
$560.26
$563.06
$565.87
$568.70
$571.55
$574.40
$577.28
$580.16
$583.06
$585.98
$588.91
$591.85
$594.81
$597.79
$600.78
$603.78
$606.80
$609.83
$612.88
$615.95
$619.03
$622.12
$625.23
$628.36
$631.50
$634.66
$637.83
$641.02
$644.22
$647.45
$650.68
$653.94
$657.21
$660.49
$663.79

$119,412.57
Remaining Balance
$118,860.63
$118,305.94
$117,748.47
$117,188.21
$116,625.15
$116,059.27
$115,490.57
$114,919.02
$114,344.62
$113,767.34
$113,187.18
$112,604.11
$112,018.14
$111,429.23
$110,837.37
$110,242.56
$109,644.77
$109,044.00
$108,440.22
$107,833.42
$107,223.58
$106,610.70
$105,994.76
$105,375.73
$104,753.61
$104,128.38
$103,500.02
$102,868.52
$102,233.86
$101,596.03
$100,955.01
$100,310.78
$99,663.34
$99,012.66
$98,358.72
$97,701.51
$97,041.02
$96,377.22

39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00
$1,149.00

$481.89
$478.55
$475.20
$471.83
$468.44
$465.04
$461.62
$458.18
$454.73
$451.26
$447.77
$444.26
$440.74
$437.20
$433.64
$430.06
$426.47
$422.86
$419.22
$415.58
$411.91
$408.22
$404.52
$400.80
$397.06
$393.30
$389.52
$385.72
$381.90
$378.07
$374.21
$370.34
$366.45
$362.53
$358.60
$354.65
$350.68
$346.69
$342.67
$338.64
$334.59
$330.52

$667.11
$670.45
$673.80
$677.17
$680.56
$683.96
$687.38
$690.82
$694.27
$697.74
$701.23
$704.74
$708.26
$711.80
$715.36
$718.94
$722.53
$726.14
$729.78
$733.42
$737.09
$740.78
$744.48
$748.20
$751.94
$755.70
$759.48
$763.28
$767.10
$770.93
$774.79
$778.66
$782.55
$786.47
$790.40
$794.35
$798.32
$802.31
$806.33
$810.36
$814.41
$818.48

$95,710.11
$95,039.66
$94,365.86
$93,688.69
$93,008.13
$92,324.17
$91,636.79
$90,945.98
$90,251.71
$89,553.97
$88,852.74
$88,148.00
$87,439.74
$86,727.94
$86,012.58
$85,293.64
$84,571.11
$83,844.97
$83,115.19
$82,381.77
$81,644.67
$80,903.90
$80,159.42
$79,411.21
$78,659.27
$77,903.57
$77,144.09
$76,380.81
$75,613.71
$74,842.78
$74,067.99
$73,289.33
$72,506.78
$71,720.31
$70,929.91
$70,135.56
$69,337.24
$68,534.93
$67,728.60
$66,918.25
$66,103.84
$65,285.36

81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107

$1,149.00
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54

$326.43
$322.31
$310.92
$299.47
$287.97
$276.41
$264.79
$253.11
$241.37
$229.57
$217.72
$205.81
$193.83
$181.80
$169.70
$157.55
$145.34
$133.06
$120.72
$108.32
$95.86
$83.34
$70.75
$58.10
$45.39
$32.62
$19.78

$822.57
$2,278.23
$2,289.62
$2,301.07
$2,312.57
$2,324.13
$2,335.75
$2,347.43
$2,359.17
$2,370.97
$2,382.82
$2,394.73
$2,406.71
$2,418.74
$2,430.84
$2,442.99
$2,455.20
$2,467.48
$2,479.82
$2,492.22
$2,504.68
$2,517.20
$2,529.79
$2,542.44
$2,555.15
$2,567.92
$2,580.76

$64,462.78
$62,184.56
$59,894.94
$57,593.87
$55,281.30
$52,957.17
$50,621.42
$48,273.98
$45,914.81
$43,543.85
$41,161.03
$38,766.29
$36,359.58
$33,940.84
$31,510.00
$29,067.01
$26,611.81
$24,144.33
$21,664.51
$19,172.29
$16,667.61
$14,150.41
$11,620.62
$9,078.19
$6,523.04
$3,955.11
$1,374.35

149 + $1451.54 = $461.26

No Debt left. Money goes into an investment at 5%

Debt
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage

Rate
12.0%
15.0%
11.0%
6.0%
7.0%
12.0%
15.0%
9.5%
6%

Total Debt
Monthly Income Needed???
Annual Income Needed???

Principal
$6,000.00
$1,000.00
$12,619.08
$19,225.00
$5,200.00
$1,969.78
$1,876.97
$49,612.40
$119,412.57

$216,915.80

# of Pmts
48
36
60
84
28
24
36
142
147

$ / mth
$158.00
$34.67
$274.37
$280.85
$200.00
$92.72
$65.07
$582.82
$1,149.00

Real Debt
$7,584.00
$1,248.12
$16,462.20
$23,591.40
$5,600.00
$2,225.28
$2,342.52
$82,760.44
$168,903.00

$2,837.50

$310,716.96

$8,107.14
$97,285.71

More interest
than payment

total

After 107mths payment of $2600.54 goes into an investment until month 360.

Month
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146

Payment
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54

5.0%
Interest
$0.00
$10.84
$21.72
$32.64
$43.61
$54.63
$65.69
$76.80
$87.96
$99.16
$110.41
$121.71
$133.05
$144.44
$155.88
$167.36
$178.89
$190.47
$202.10
$213.78
$225.51
$237.28
$249.11
$260.98
$272.90
$284.88
$296.90
$308.97
$321.10
$333.27
$345.49
$357.77
$370.09
$382.47
$394.90
$407.38
$419.91
$432.50

Ttl Investment
$2,600.54
$2,611.38
$2,622.26
$2,633.18
$2,644.15
$2,655.17
$2,666.23
$2,677.34
$2,688.50
$2,699.70
$2,710.95
$2,722.25
$2,733.59
$2,744.98
$2,756.42
$2,767.90
$2,779.43
$2,791.01
$2,802.64
$2,814.32
$2,826.05
$2,837.82
$2,849.65
$2,861.52
$2,873.44
$2,885.42
$2,897.44
$2,909.51
$2,921.64
$2,933.81
$2,946.03
$2,958.31
$2,970.63
$2,983.01
$2,995.44
$3,007.92
$3,020.45
$3,033.04

$0.00
Ending Balance
$2,600.54
$5,211.92
$7,834.17
$10,467.35
$13,111.51
$15,766.68
$18,432.91
$21,110.26
$23,798.76
$26,498.46
$29,209.41
$31,931.65
$34,665.24
$37,410.22
$40,166.64
$42,934.54
$45,713.97
$48,504.99
$51,307.63
$54,121.95
$56,948.00
$59,785.83
$62,635.47
$65,496.99
$68,370.44
$71,255.85
$74,153.29
$77,062.81
$79,984.44
$82,918.25
$85,864.28
$88,822.59
$91,793.22
$94,776.24
$97,771.68
$100,779.60
$103,800.05
$106,833.09

147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188

$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54

$445.14
$457.83
$470.57
$483.37
$496.22
$509.12
$522.08
$535.09
$548.15
$561.27
$574.45
$587.68
$600.96
$614.30
$627.70
$641.15
$654.65
$668.22
$681.84
$695.51
$709.25
$723.04
$736.89
$750.79
$764.76
$778.78
$792.86
$807.00
$821.20
$835.45
$849.77
$864.15
$878.58
$893.08
$907.63
$922.25
$936.93
$951.67
$966.47
$981.33
$996.26
$1,011.24

$3,045.68
$3,058.37
$3,071.11
$3,083.91
$3,096.76
$3,109.66
$3,122.62
$3,135.63
$3,148.69
$3,161.81
$3,174.99
$3,188.22
$3,201.50
$3,214.84
$3,228.24
$3,241.69
$3,255.19
$3,268.76
$3,282.38
$3,296.05
$3,309.79
$3,323.58
$3,337.43
$3,351.33
$3,365.30
$3,379.32
$3,393.40
$3,407.54
$3,421.74
$3,435.99
$3,450.31
$3,464.69
$3,479.12
$3,493.62
$3,508.17
$3,522.79
$3,537.47
$3,552.21
$3,567.01
$3,581.87
$3,596.80
$3,611.78

$109,878.77
$112,937.14
$116,008.25
$119,092.16
$122,188.92
$125,298.58
$128,421.19
$131,556.82
$134,705.52
$137,867.33
$141,042.32
$144,230.53
$147,432.03
$150,646.87
$153,875.11
$157,116.80
$160,371.99
$163,640.75
$166,923.12
$170,219.17
$173,528.96
$176,852.54
$180,189.96
$183,541.30
$186,906.59
$190,285.91
$193,679.31
$197,086.84
$200,508.58
$203,944.57
$207,394.88
$210,859.57
$214,338.69
$217,832.31
$221,340.48
$224,863.27
$228,400.74
$231,952.95
$235,519.96
$239,101.84
$242,698.63
$246,310.42

189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230

$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54

$1,026.29
$1,041.41
$1,056.58
$1,071.82
$1,087.12
$1,102.48
$1,117.91
$1,133.41
$1,148.97
$1,164.59
$1,180.28
$1,196.03
$1,211.85
$1,227.73
$1,243.69
$1,259.70
$1,275.79
$1,291.94
$1,308.16
$1,324.44
$1,340.80
$1,357.22
$1,373.71
$1,390.27
$1,406.90
$1,423.60
$1,440.36
$1,457.20
$1,474.11
$1,491.09
$1,508.13
$1,525.25
$1,542.44
$1,559.71
$1,577.04
$1,594.45
$1,611.93
$1,629.48
$1,647.10
$1,664.80
$1,682.57
$1,700.42

$3,626.83
$3,641.95
$3,657.12
$3,672.36
$3,687.66
$3,703.02
$3,718.45
$3,733.95
$3,749.51
$3,765.13
$3,780.82
$3,796.57
$3,812.39
$3,828.27
$3,844.23
$3,860.24
$3,876.33
$3,892.48
$3,908.70
$3,924.98
$3,941.34
$3,957.76
$3,974.25
$3,990.81
$4,007.44
$4,024.14
$4,040.90
$4,057.74
$4,074.65
$4,091.63
$4,108.67
$4,125.79
$4,142.98
$4,160.25
$4,177.58
$4,194.99
$4,212.47
$4,230.02
$4,247.64
$4,265.34
$4,283.11
$4,300.96

$249,937.25
$253,579.20
$257,236.32
$260,908.67
$264,596.33
$268,299.36
$272,017.81
$275,751.76
$279,501.27
$283,266.39
$287,047.21
$290,843.78
$294,656.17
$298,484.44
$302,328.67
$306,188.91
$310,065.24
$313,957.72
$317,866.41
$321,791.40
$325,732.74
$329,690.50
$333,664.75
$337,655.56
$341,662.99
$345,687.13
$349,728.03
$353,785.77
$357,860.42
$361,952.05
$366,060.72
$370,186.51
$374,329.50
$378,489.74
$382,667.32
$386,862.31
$391,074.78
$395,304.79
$399,552.44
$403,817.78
$408,100.89
$412,401.85

231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272

$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54

$1,718.34
$1,736.34
$1,754.41
$1,772.55
$1,790.77
$1,809.07
$1,827.44
$1,845.89
$1,864.42
$1,883.02
$1,901.71
$1,920.47
$1,939.30
$1,958.22
$1,977.21
$1,996.29
$2,015.44
$2,034.67
$2,053.99
$2,073.38
$2,092.86
$2,112.41
$2,132.05
$2,151.77
$2,171.57
$2,191.45
$2,211.42
$2,231.47
$2,251.60
$2,271.82
$2,292.12
$2,312.51
$2,332.98
$2,353.54
$2,374.18
$2,394.91
$2,415.72
$2,436.62
$2,457.61
$2,478.69
$2,499.85
$2,521.10

$4,318.88
$4,336.88
$4,354.95
$4,373.09
$4,391.31
$4,409.61
$4,427.98
$4,446.43
$4,464.96
$4,483.56
$4,502.25
$4,521.01
$4,539.84
$4,558.76
$4,577.75
$4,596.83
$4,615.98
$4,635.21
$4,654.53
$4,673.92
$4,693.40
$4,712.95
$4,732.59
$4,752.31
$4,772.11
$4,791.99
$4,811.96
$4,832.01
$4,852.14
$4,872.36
$4,892.66
$4,913.05
$4,933.52
$4,954.08
$4,974.72
$4,995.45
$5,016.26
$5,037.16
$5,058.15
$5,079.23
$5,100.39
$5,121.64

$416,720.73
$421,057.61
$425,412.56
$429,785.65
$434,176.96
$438,586.57
$443,014.56
$447,460.99
$451,925.95
$456,409.52
$460,911.76
$465,432.77
$469,972.61
$474,531.37
$479,109.13
$483,705.95
$488,321.94
$492,957.15
$497,611.68
$502,285.60
$506,979.00
$511,691.95
$516,424.54
$521,176.85
$525,948.96
$530,740.95
$535,552.91
$540,384.92
$545,237.07
$550,109.43
$555,002.09
$559,915.14
$564,848.66
$569,802.74
$574,777.45
$579,772.90
$584,789.16
$589,826.32
$594,884.47
$599,963.70
$605,064.09
$610,185.73

273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314

$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54

$2,542.44
$2,563.87
$2,585.39
$2,607.00
$2,628.69
$2,650.48
$2,672.36
$2,694.33
$2,716.39
$2,738.55
$2,760.79
$2,783.13
$2,805.57
$2,828.09
$2,850.71
$2,873.42
$2,896.23
$2,919.13
$2,942.13
$2,965.23
$2,988.42
$3,011.71
$3,035.09
$3,058.57
$3,082.15
$3,105.83
$3,129.61
$3,153.48
$3,177.46
$3,201.53
$3,225.71
$3,249.98
$3,274.36
$3,298.84
$3,323.42
$3,348.10
$3,372.89
$3,397.78
$3,422.77
$3,447.87
$3,473.07
$3,498.38

$5,142.98
$5,164.41
$5,185.93
$5,207.54
$5,229.23
$5,251.02
$5,272.90
$5,294.87
$5,316.93
$5,339.09
$5,361.33
$5,383.67
$5,406.11
$5,428.63
$5,451.25
$5,473.96
$5,496.77
$5,519.67
$5,542.67
$5,565.77
$5,588.96
$5,612.25
$5,635.63
$5,659.11
$5,682.69
$5,706.37
$5,730.15
$5,754.02
$5,778.00
$5,802.07
$5,826.25
$5,850.52
$5,874.90
$5,899.38
$5,923.96
$5,948.64
$5,973.43
$5,998.32
$6,023.31
$6,048.41
$6,073.61
$6,098.92

$615,328.71
$620,493.12
$625,679.04
$630,886.58
$636,115.81
$641,366.84
$646,639.74
$651,934.61
$657,251.55
$662,590.63
$667,951.97
$673,335.64
$678,741.75
$684,170.38
$689,621.63
$695,095.59
$700,592.36
$706,112.04
$711,654.71
$717,220.48
$722,809.44
$728,421.68
$734,057.31
$739,716.42
$745,399.12
$751,105.49
$756,835.63
$762,589.65
$768,367.65
$774,169.72
$779,995.97
$785,846.49
$791,721.39
$797,620.77
$803,544.73
$809,493.38
$815,466.81
$821,465.12
$827,488.43
$833,536.84
$839,610.45
$845,709.37

315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356

$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54
$2,600.54

$3,523.79
$3,549.31
$3,574.93
$3,600.66
$3,626.50
$3,652.45
$3,678.50
$3,704.66
$3,730.94
$3,757.32
$3,783.81
$3,810.41
$3,837.12
$3,863.94
$3,890.88
$3,917.93
$3,945.09
$3,972.36
$3,999.75
$4,027.25
$4,054.87
$4,082.60
$4,110.44
$4,138.41
$4,166.48
$4,194.68
$4,222.99
$4,251.43
$4,279.97
$4,308.64
$4,337.43
$4,366.34
$4,395.37
$4,424.52
$4,453.79
$4,483.18
$4,512.70
$4,542.34
$4,572.10
$4,601.98
$4,632.00
$4,662.13

$6,124.33
$6,149.85
$6,175.47
$6,201.20
$6,227.04
$6,252.99
$6,279.04
$6,305.20
$6,331.48
$6,357.86
$6,384.35
$6,410.95
$6,437.66
$6,464.48
$6,491.42
$6,518.47
$6,545.63
$6,572.90
$6,600.29
$6,627.79
$6,655.41
$6,683.14
$6,710.98
$6,738.95
$6,767.02
$6,795.22
$6,823.53
$6,851.97
$6,880.51
$6,909.18
$6,937.97
$6,966.88
$6,995.91
$7,025.06
$7,054.33
$7,083.72
$7,113.24
$7,142.88
$7,172.64
$7,202.52
$7,232.54
$7,262.67

$851,833.70
$857,983.55
$864,159.02
$870,360.22
$876,587.26
$882,840.25
$889,119.29
$895,424.49
$901,755.97
$908,113.82
$914,498.17
$920,909.12
$927,346.78
$933,811.27
$940,302.69
$946,821.16
$953,366.78
$959,939.69
$966,539.97
$973,167.76
$979,823.17
$986,506.31
$993,217.29
$999,956.23
$1,006,723.26
$1,013,518.48
$1,020,342.01
$1,027,193.98
$1,034,074.49
$1,040,983.68
$1,047,921.65
$1,054,888.53
$1,061,884.44
$1,068,909.50
$1,075,963.83
$1,083,047.55
$1,090,160.79
$1,097,303.66
$1,104,476.30
$1,111,678.83
$1,118,911.36
$1,126,174.03

357
358
359
360

$2,600.54
$2,600.54
$2,600.54
$2,600.54

$4,692.39
$4,722.78
$4,753.29
$4,783.93

$7,292.93
$7,323.32
$7,353.83
$7,384.47

$1,133,466.96
$1,140,790.28
$1,148,144.12
$1,155,528.59

$655,336.08 $500,192.51

$1,155,528.59

$121,201,730.91

ment until month 360.