1. Living in San Diego, CA By: Connie Tang & Kenji Sumikawa

2. 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

4. Minimum Initial Deposit: $25

5. Interest Rate: 0.35%

6. APY: 0.35%

7. Min. to earn APY: $5000

10. Plan: Vital Shield 900

11. Monthly Premium: $97/ month

12. Plan type: PPO

13. Deductible: $900

14. Out of pocket maximum: $4900

15. Office visits: $40 for first visit per year, then $0 after out-of-pocket maximum

16. Preventive care exams: 0$

17. Hospitalization: 40% after deductible

18. Lab & x-ray: $0 after out of pocket maximum

19. Emergency room $100 per visit + 40% after deductible

20. Prescriptions: Generic only

21. Dental: Available

23. 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.

24. 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)

25. Food Each person: Spend approx: $120/ week $480 per month Shop: -Trader Joes -Mitsuwa Supermarket -Vons

26. Extracurricular Activities

27. Work Cited "Apartments for Rent in San Diego California - Availability - Tierrasanta Ridge." San Diego 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>.