1. Living in Indianapolis By Zach Hall and Eddie Dinh

2. Taxes and Income

3. Eddie Dinh Annual cost: $1,062.60 Monthly cost: $88.55 Deductible: $3,500 Lumenos: HSA Plus 0% (single) 0% coinsurance Individual coverage Available funds: $42,632 - $1,062.60 = $41,569.40 Annual Cost: $1,309.08 Monthly Cost: $109.09 Deductable: $2,500 Anthem Blue Cross: Lumenos HSA Plus 0%(Single) 0% Coinsurance Individual Coverage Available funds: $39,384.5 - 1309.08 = $38,075.42 Health insurance Zach Hall

4. Housing and Utilities 6512 Bridge Crossing Drive City: Indianapolis Zipcode: 46217 Amenities: 1 story apartment 2 bedrooms 2 bathrooms 2 baths Free garage parking Furniture cost: $9,000 Housing Costs: Total: First year: $21,264 $12,264 annuallyLease Term: 1 year Deposit: $250 Rent: $1,000 monthly$12,000 annually Size: 1034 sq. ft Renter's insurance: $264 / year (State Farm)

5. Housing and Utilities Utilities Total: $2,870 annually Amenities included: Heat, Gas, AC Electricity: $50 - $75 monthly Avg: $62.50 monthly, $750annually Water: $50 - $70 monthly Avg: $60 monthly, $720 annually Telephones: Approx: $50 monthly from Verizon, $600 annuallyUnlimited texting. video, and picture messaging, web browsing $35$.40/ minute, assuming approximately 30 minutes Internet: $100 annually each, using a USB 4G Verizon modem Housing and Utilities overall cost: Total: $15,134 annually $1,261.17 monthly $7,567 annually per person $630.58 monthly per person First year: $12,067 per person $1,005.58 monthly per person Eddie: Available Funds: $41,569.40 - $12,067 = $29,502.40 Zach: Available Funds: $38,075.42 - $12,067 = $26,008.42

6. Food and Household Goods Assumed cost of household supplies/ toiletries: $50 dollars/monthsplit between both roommates, $300 each. Microwave and Refrigerator included with home. Daily cost of food: $30 Annual cost of food: $11,000 Total food and supplies: $11,300 per person Eddie: Available funds: $29,502.40 – 11,300 = $19,202.40 Zach: Available funds: $26,008.42 – 11,300 = $15,708.42

7. Transportation Indianapolis Bus System IndyGo Extensive bus system that has one bus at each stop every five minutes (approximately) 31-day pass: $60 Annual cost: $720 Eddie Available funds: $18,202.40 – 720 = $17,482.40 Zach Available funds: $15,708.42 – 720 = $14,988.42

8. Savings: Eddie: $12,000 (20% income) CD (certificate of deposit) at Bank of America: $10,000 $10,000 minimum to open a Featured CD A locked 0.60% APY Short 12-month term FDIC Insured Checking account at BoA: $2,000 Available Funds: $17,482.40 – 12,000 = $5,482.40 Zach: $11,000 (20% income) CD (certificate of deposit) at Bank of America: $10,000 $10,000 minimum to open a Featured CD A locked 0.60% APY Short 12-month term FDIC Insured Checking account at BoA: $1,000 Available Funds: $14,988.42 – 11,000 = $3,988.42

9. Entertainment Shared devices/costs Home entertainment NetFlix: $96 annually XBox360: $300 Games: 4 games per year, $50 per game, $200 annually Samsung Ln40A550 40-inch 1080p LCD HDTV: $1,313 Total: $1,909 total $954.50 each Eddie: Clothes: $30 weekly, $1,560 annually Gym membership included with community fitness center Travel and vacations: $2,000 Available funds: $5,482.40 – 4,515.50 = $967.90 Zach: Clothes: $30 weekly, $1,560 annually Gym membership included with community fitness center Travel and vacations: $1,400 Available Funds: $3,988.42 - $3,914.50 = $73.92

10. Totals: Eddie Taxes: 17, 368 Healthcare: 1,062.60 Housing: 12,067 Food/supplies: 11,300 Transportation: 720 Extracurricular: 4514.50 Savings: 12,000 Remaining: $967.90 Zach: Taxes: 15,616.50 Healthcare: 1309.08 Housing: 12,067 Food/supplies: 11,300 Transportation: 720 Extracurricular: 3914.50 Savings: 11,000 Remaining: 73.92