Final Assignment Part A

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 sacrifices

You have suggested a family council, and they have explained to their 3 children that everyone will be involved in learning corre
During your previous visit you helped them cut up all of their credit cards. They have made a commitment to "pay as you go", b
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 utilitie
$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 significant
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

You have been asked to identify 3 principles you have learned from each of the Chapters 1, 2, 3/9, 5, 6, 7, 8, 10 that you would
Give examples of how it would help them and why you would teach these specific principles.
You are to identify principles from these chapters and not just do the math. Math isn't involved when you are discussing princip

Submit your written report as if you were addressing the bishop and explain to him how you can help this family.
You should have a minimum of a lengthy paragraph for each principle. Use the format provided in BrainHoney for your templat

24 points possible = 8 chapters x 3 points

6 additional points are available based on the depth of thought and the appearance of the paper.
You MUST write on your paper that you did this work absolutely by yourself with no outside help and sign it

to attest to this fact.

30 points total for Part A

e met with Brother and Sister Hopeful and have asked them
essed dispair concerning their situation and presented you
order, no matter what sacrifices they have to make.

ill be involved in learning correct principles for everyone's long term benefit.
mmitment to "pay as you go", but need help to know where to begin.
as prepare them for retirement.

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

th on the new car for 28 more months at 9% APR. They own their home
2 / month payment on the 2nd mortgage at 9.5% APR.
home is currently worth $175,000.

several lessons for each child, $30 / laundry, $20 / dry cleaning, $15 / gifts
$95 / cable TV, $275 / all utilities, $75 home phone service,
er, $30 / misc.

all of their payments, they have been making minimum payments,

e calls and there is significant stress in their home.
off and can't help much longer.

9, 5, 6, 7, 8, 10 that you would teach this family.

hen you are discussing principles.

help this family.

n BrainHoney for your template.

12 Month Budget Example

Name
Section

$ per/hr

Income Calculations
PT Salary

PT Hours

FT Hours

FT Salary

Aug Salary

Brother Hopful
Sister Hopful
Total

Income
Gross Combined Income
401K
Combined Take Home Pay

Orignial budget

Reduced Budget

After getting out of debt

$5,150

$5,150

$5,150

$5,150

$5,150

$5,150

10

11

12

Total

Expenses
Thithing
Charity

$615
$35

$615
$0

$615
$35

Misc.

$30

$30

$30

News Paper
bowling league

$35
$85

$0
$30

$35
$85

$170
85

$100
50

$170
85

Gas
Cell phone program
Phone

$75

$75

$75

Utilities
Internet

$275
$25

$275
$25

$275
$25

Cable TV
Car Insurance

$95
$120

$50
$80

$95
$120

Medical Insurance
Life Insurance
Gift
Dry Cleaning
Laundary
Food
Child Education

$200
$70
$15
$20
$30
$450
$155

$200
$70
$0
$20
$30
$400
$155

$200
$70
$15
$20
$30
$450
$155

Credit Card #1

$158.00

$158.00

Credit Card #2

$34.67

$34.67

Credit Card #3

$274.37

$274.37

Credit Union Loan

$280.85

$280.85

Car Loan

$200.00

$200.00

Gas Credit Card

Medical Bill
2nd Mortgage
1st Mortgage

Total Expenses

$92.72

$92.72

$65.07

$65.07

$582.82

$582.82

$1,149.00

$1,149.00

$5,423

$5,043

$2,585

Surplus / (Deficit)

-$273

$108

$2,565

Total Savings/(Debt)

-$273

-$165

$2,400

Will they have a Surplus

at the end of the 12 months?
a. Yes
b. No

No

Based on their projected budget, list 3 suggestions for Brother and Sister Hopeful
1. First thing they need to do is reducing unnecessary consumption. It is better for them not to pay charity, newspaper and gift for a while. The reason for this, it is nonsense for them to give their money to somebody by loaning
sombody's money. They can see newspaper on the internet nowadays and most of cases gift is useless after passing special moment.

2. Second, they need to cut down entertainment fees such as bowling league and cable TV for sake of getting out of debt as soon as possible. They need financial rescue not entertainment. If they do not reduce unnecessary
payment, they are going to be trapped into financial destruction.

3. Finally, it is requred for them to do personal endeavor such as walking or riding bicycle when going to somewhere nearby house, not to eating junk food outside and change car insurance.

If they put extra 108 dollars a month, they would get out of debt 99 months later, which is 5 months fater than original financial plan.
With reduced budget they can get out of debt after 99 months later. After that I have extra 2565 dollars every month.
If they save all of surplus for retirement, they are going to have around 87,000 dollars. Using Future Value function, 4% APR, 22 years and 2,565 dollars surplus every month.

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

Current Payments
APR % Payment Remaining Description
12.0% $158.00
48
Credit Card #1
15.0%
$34.67
36
Credit Card #2
11.0% $274.37
60
Credit Card #3
6.0% $280.85
84
Credit Union Loan
7.0% $200.00
28
Car Loan
12.0%
$92.72
24
Gas Credit Card
15.0%
$65.07
36
Medical Bill
9.5% $582.82
142
2nd Mortgage
6.0% $1,149.00
147
1st Mortgage
$2,837.50

Total debt

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

Interest
Current Balance Current Payment
Amount
$
1,000.00 $
34.67 $
12.07 $
977.40
$
977.40 $
34.67 $
11.78 $
954.51
$
954.51 $
34.67 $
11.50 $
931.34
$
931.34 $
34.67 $
11.21 $
907.88
$
907.88 $
34.67 $
10.92 $
884.12
$
884.12 $
34.67 $
10.62 $
860.07
$
860.07 $
34.67 $
10.32 $
835.72
$
835.72 $
34.67 $
10.01 $
811.06
$
811.06 $
34.67 $
9.70 $
786.10
$
786.10 $
34.67 $
9.39 $
760.82
$
760.82 $
34.67 $
9.08 $
735.23
$
735.23 $
34.67 $
8.76 $
709.31
$
709.31 $
34.67 $
8.43 $
683.08
$
683.08 $
34.67 $
8.11 $
656.51
$
656.51 $
34.67 $
7.77 $
629.61
$
629.61 $
34.67 $
7.44 $
602.38
$
602.38 $
34.67 $
7.10 $
574.81
$
574.81 $
34.67 $
6.75 $
546.89
$
546.89 $
34.67 $
6.40 $
518.62
$
518.62 $
34.67 $
6.05 $
490.00
$
490.00 $
34.67 $
5.69 $
461.02
$
461.02 $
34.67 $
5.33 $
431.68
$
431.68 $
34.67 $
4.96 $
401.97
$
401.97 $
34.67 $
4.59 $
371.90
$
371.90 $
34.67 $
4.22 $
341.44
$
341.44 $
34.67 $
3.83 $
310.61
$
310.61 $
34.67 $
3.45 $
279.38
$
279.38 $
34.67 $
3.06 $
247.77
$
247.77 $
34.67 $
2.66 $
215.77
$
215.77 $
34.67 $
2.26 $
183.36
$
183.36 $
34.67 $
1.86 $
150.55
$
150.55 $
34.67 $
1.45 $
117.33
$
117.33 $
34.67 $
1.03 $
83.69
$
83.69 $
34.67 $
0.61 $
49.63
$
49.63 $
34.67 $
0.19 $
15.15
$
15.15 $
15.15 $
$
-

$ 19.52

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

Current
APR % Payment
12.0% $158.00
15.0%
$34.67
11.0% $274.37
6.0% $280.85
7.0% $200.00
12.0%
$92.72
15.0%
$65.07
9.5% $582.82
6.0% $1,149.00

$216,915.80

$2,837.50

Payments
Remaining
48
36
60
84
28
24
36
142
147

Description
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Total debt

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

Current Balance Current Payment

Interest
Amount
$
1,876.97 $
65.07 $ 22.65 $ 1,834.55
$
1,834.55 $
65.07 $ 22.12 $ 1,791.60
$
1,791.60 $
65.07 $ 21.58 $
1,748.11
$
1,748.11 $
65.07 $ 21.04 $ 1,704.08
$
1,704.08 $
65.07 $ 20.49 $ 1,659.49
$
1,659.49 $
65.07 $ 19.93 $ 1,614.35
$
1,614.35 $
65.07 $ 19.37 $ 1,568.65
$
1,568.65 $
65.07 $ 18.79 $ 1,522.38
$
1,522.38 $
65.07 $ 18.22 $ 1,475.52
$
1,475.52 $
65.07 $ 17.63 $ 1,428.08
$
1,428.08 $
65.07 $ 17.04 $ 1,380.05
$
1,380.05 $
65.07 $ 16.44 $ 1,331.42
$
1,331.42 $
65.07 $ 15.83 $ 1,282.18
$
1,282.18 $
65.07 $ 15.21 $ 1,232.32
$
1,232.32 $
65.07 $ 14.59 $ 1,181.84
$
1,181.84 $
65.07 $ 13.96 $ 1,130.73
$
1,130.73 $
65.07 $ 13.32 $ 1,078.98
$
1,078.98 $
65.07 $ 12.67 $ 1,026.59
$
1,026.59 $
65.07 $ 12.02 $
973.53
$
973.53 $
65.07 $ 11.36 $
919.82
$
919.82 $
65.07 $ 10.68 $
865.43
$
865.43 $
65.07 $ 10.00 $
810.37
$
810.37 $
65.07 $ 9.32 $
754.62
$
754.62 $
65.07 $ 8.62 $
698.16
$
698.16 $
65.07 $ 7.91 $
641.01
$
641.01 $
65.07 $ 7.20 $
583.14
$
583.14 $
65.07 $ 6.48 $
524.54
$
524.54 $
65.07 $ 5.74 $
465.22
$
465.22 $
65.07 $ 5.00 $
405.15
$
405.15 $
65.07 $ 4.25 $
344.33
$
344.33 $
65.07 $ 3.49 $
282.75
$
282.75 $
65.07 $ 2.72 $
220.40
$
220.40 $
65.07 $ 1.94 $
157.27
$
157.27 $
65.07 $ 1.15 $
93.36
$
93.36 $
65.07 $ 0.35 $
28.64
$
28.64 $
28.64 $
$
-

36.43

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

Current
APR % Payment
12.0% $158.00
15.0%
$34.67
11.0% $274.37
6.0% $280.85
7.0% $200.00
12.0%
$92.72
15.0%
$65.07
9.5% $582.82
6.0% $1,149.00

$216,915.80

$2,837.50

Payments
Remaining
48
36
60
84
28
24
36
142
147

Description
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Total debt

36 19.51871

24 $ 24.65
36 36.43075

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

Current Balance Current Payment

Interest
Amount
$
1,969.78 $
92.72 $ 18.77 $ 1,895.83
$
1,895.83 $
92.72 $ 18.03 $ 1,821.14
$
1,821.14 $
92.72 $ 17.28 $ 1,745.71
$
1,745.71 $
92.72 $ 16.53 $ 1,669.52
$
1,669.52 $
92.72 $ 15.77 $ 1,592.56
$
1,592.56 $
92.72 $ 15.00 $ 1,514.84
$
1,514.84 $
92.72 $ 14.22 $ 1,436.34
$
1,436.34 $
92.72 $ 13.44 $ 1,357.06
$
1,357.06 $
92.72 $ 12.64 $ 1,276.98
$
1,276.98 $
92.72 $ 11.84 $ 1,196.11
$
1,196.11 $
92.72 $ 11.03 $ 1,114.42
$
1,114.42 $
92.72 $ 10.22 $ 1,031.92
$
1,031.92 $
92.72 $ 9.39 $
948.59
$
948.59 $
92.72 $ 8.56 $
864.43
$
864.43 $
92.72 $ 7.72 $
779.42
$
779.42 $
92.72 $ 6.87 $
693.57
$
693.57 $
92.72 $ 6.01 $
606.86
$
606.86 $
92.72 $ 5.14 $
519.28
$
519.28 $
92.72 $ 4.27 $
430.83
$
430.83 $
92.72 $ 3.38 $
341.49
$
341.49 $
92.72 $ 2.49 $
251.26
$
251.26 $
92.72 $ 1.59 $
160.12
$
160.12 $
92.72 $ 0.67 $
68.07
$
68.07 $
68.07 $
$
-

$ 24.65

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

Current
APR % Payment
12.0% $158.00
15.0%
$34.67
11.0% $274.37
6.0% $280.85
7.0% $200.00
12.0%
$92.72
15.0%
$65.07
9.5% $582.82
6.0% $1,149.00

$216,915.80

$2,837.50

Payments
Remaining
48
36
60
84
28
24
36
142
147

Description
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Total debt

38 $ 261.88
36 19.518705
month
24 $ 24.65
36 36.430753

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

Current Balance Current Payment

Interest
Amount
$
6,000.00 $
158.00 $ 58.42 $ 5,900.42
$
5,900.42 $
158.00 $ 57.42 $ 5,799.84
$
5,799.84 $
158.00 $ 56.42 $ 5,698.26
$
5,698.26 $
158.00 $ 55.40 $ 5,595.67
$
5,595.67 $
158.00 $ 54.38 $ 5,492.04
$
5,492.04 $
158.00 $ 53.34 $ 5,387.38
$
5,387.38 $
158.00 $ 52.29 $ 5,281.68
$
5,281.68 $
158.00 $ 51.24 $ 5,174.91
$
5,174.91 $
158.00 $ 50.17 $ 5,067.08
$
5,067.08 $
158.00 $ 49.09 $ 4,958.17
$
4,958.17 $
158.00 $ 48.00 $ 4,848.17
$
4,848.17 $
158.00 $ 46.90 $ 4,737.08
$
4,737.08 $
158.00 $ 45.79 $ 4,624.87
$
4,624.87 $
158.00 $ 44.67 $ 4,511.54
$
4,511.54 $
158.00 $ 43.54 $ 4,397.07
$
4,397.07 $
158.00 $ 42.39 $ 4,281.46
$
4,281.46 $
158.00 $ 41.23 $ 4,164.70
$
4,164.70 $
158.00 $ 40.07 $ 4,046.76
$
4,046.76 $
158.00 $ 38.89 $ 3,927.65
$
3,927.65 $
158.00 $ 37.70 $ 3,807.35
$
3,807.35 $
158.00 $ 36.49 $ 3,685.84
$
3,685.84 $
158.00 $ 35.28 $ 3,563.12
$
3,563.12 $
158.00 $ 34.05 $ 3,439.17
$
3,439.17 $
182.65 $ 32.57 $ 3,289.09
$
3,289.09 $
250.72 $ 30.38 $ 3,068.75
$
3,068.75 $
250.72 $ 28.18 $ 2,846.21
$
2,846.21 $
250.72 $ 25.95 $ 2,621.45
$
2,621.45 $
250.72 $ 23.71 $ 2,394.44
$
2,394.44 $
250.72 $ 21.44 $ 2,165.15
$
2,165.15 $
250.72 $ 19.14 $ 1,933.58
$
1,933.58 $
250.72 $ 16.83 $ 1,699.69
$
1,699.69 $
250.72 $ 14.49 $ 1,463.46
$
1,463.46 $
250.72 $ 12.13 $ 1,224.86
$
1,224.86 $
250.72 $ 9.74 $ 983.89
$
983.89 $
250.72 $ 7.33 $ 740.50
$
740.50 $
306.67 $ 4.34 $ 438.17
$
438.17 $
350.46 $ 0.88 $
88.58
$
88.58 $
88.58 $
$
-

261.88

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

Current
APR % Payment
12.0% $158.00
15.0%
$34.67
11.0% $274.37
6.0% $280.85
7.0% $200.00
12.0%
$92.72
15.0%
$65.07
9.5% $582.82
6.0% $1,149.00

$216,915.80

$2,837.50

Payments
Remaining
48
36
60
84
28
24
36
142
147

Description
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Total debt

38 $ 261.88
47 $ 384.59

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

Interest
Current Balance Current Payment
Amount
$
12,619.08 $
274.37 $ 113.16 $ 12,457.87
$
12,457.87 $
274.37 $ 111.68 $ 12,295.18
$
12,295.18 $
274.37 $ 110.19 $ 12,131.00
$
12,131.00 $
274.37 $ 108.69 $ 11,965.32
$
11,965.32 $
274.37 $ 107.17 $ 11,798.12
$
11,798.12 $
274.37 $ 105.63 $ 11,629.38
$
11,629.38 $
274.37 $ 104.09 $ 11,459.10
$
11,459.10 $
274.37 $ 102.53 $ 11,287.25
$
11,287.25 $
274.37 $ 100.95 $ 11,113.84
$
11,113.84 $
274.37 $ 99.36 $ 10,938.83
$
10,938.83 $
274.37 $ 97.76 $ 10,762.21
$
10,762.21 $
274.37 $ 96.14 $ 10,583.98
$
10,583.98 $
274.37 $ 94.50 $ 10,404.12
$
10,404.12 $
274.37 $ 92.86 $ 10,222.60
$
10,222.60 $
274.37 $ 91.19 $ 10,039.43
$
10,039.43 $
274.37 $ 89.51 $ 9,854.57
$
9,854.57 $
274.37 $ 87.82 $ 9,668.02
$
9,668.02 $
274.37 $ 86.11 $ 9,479.76
$
9,479.76 $
274.37 $ 84.38 $ 9,289.77
$
9,289.77 $
274.37 $ 82.64 $ 9,098.04
$
9,098.04 $
274.37 $ 80.88 $ 8,904.55
$
8,904.55 $
274.37 $ 79.11 $ 8,709.29
$
8,709.29 $
274.37 $ 77.32 $ 8,512.24
$
8,512.24 $
274.37 $ 75.51 $ 8,313.39
$
8,313.39 $
274.37 $ 73.69 $ 8,112.71
$
8,112.71 $
274.37 $ 71.85 $ 7,910.19
$
7,910.19 $
274.37 $ 70.00 $ 7,705.82
$
7,705.82 $
274.37 $ 68.12 $ 7,499.57
$
7,499.57 $
274.37 $ 66.23 $ 7,291.43
$
7,291.43 $
274.37 $ 64.32 $ 7,081.38
$
7,081.38 $
274.37 $ 62.40 $ 6,869.41
$
6,869.41 $
274.37 $ 60.45 $ 6,655.49
$
6,655.49 $
274.37 $ 58.49 $ 6,439.62
$
6,439.62 $
274.37 $ 56.51 $ 6,221.76
$
6,221.76 $
274.37 $ 54.52 $ 6,001.91
$
6,001.91 $
274.37 $ 52.50 $ 5,780.04
$
5,780.04 $
274.37 $ 50.47 $ 5,556.14

38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

$
$
$
$
$
$
$
$
$
$

5,556.14
5,065.91
4,481.79
3,892.31
3,297.44
2,697.11
2,091.27
1,479.88
862.89
240.24

$
$
$
$
$
$
$
$
$
$

536.25
624.83
624.83
624.83
624.83
624.83
624.83
624.83
624.83
240.24

$
$
$
$
$
$
$
$
$
$

46.02
40.71
35.36
29.95
24.50
19.00
13.44
7.84
2.18
-

$
$
$
$
$
$
$
$
$
$

5,065.91
4,481.79
3,892.31
3,297.44
2,697.11
2,091.27
1,479.88
862.89
240.24
-

$ 384.59

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

Current
APR % Payment
12.0% $158.00
15.0%
$34.67
11.0% $274.37
6.0% $280.85
7.0% $200.00
12.0%
$92.72
15.0%
$65.07
9.5% $582.82
6.0% $1,149.00

$216,915.80

$2,837.50

Payments
Remaining
48
36
60
84
28
24
36
142
147

Description
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Total debt

47 $ 384.59

84 $ 949.50

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
39
40

Current Balance Current Payment

Interest
Amount
$
49,612.40 $
582.82 $ 388.15 $ 49,417.73
$
49,417.73 $
582.82 $ 386.61 $ 49,221.52
$
49,221.52 $
582.82 $ 385.06 $ 49,023.76
$
49,023.76 $
582.82 $ 383.49 $ 48,824.43
$
48,824.43 $
582.82 $ 381.91 $ 48,623.52
$
48,623.52 $
582.82 $ 380.32 $ 48,421.02
$
48,421.02 $
582.82 $ 378.72 $ 48,216.92
$
48,216.92 $
582.82 $ 377.10 $ 48,011.21
$
48,011.21 $
582.82 $ 375.47 $ 47,803.86
$
47,803.86 $
582.82 $ 373.83 $ 47,594.87
$
47,594.87 $
582.82 $ 372.18 $ 47,384.23
$
47,384.23 $
582.82 $ 370.51 $ 47,171.92
$
47,171.92 $
582.82 $ 368.83 $ 46,957.93
$
46,957.93 $
582.82 $ 367.14 $ 46,742.25
$
46,742.25 $
582.82 $ 365.43 $ 46,524.86
$
46,524.86 $
582.82 $ 363.71 $ 46,305.75
$
46,305.75 $
582.82 $ 361.97 $ 46,084.90
$
46,084.90 $
582.82 $ 360.22 $ 45,862.30
$
45,862.30 $
582.82 $ 358.46 $ 45,637.95
$
45,637.95 $
582.82 $ 356.69 $ 45,411.81
$
45,411.81 $
582.82 $ 354.90 $ 45,183.89
$
45,183.89 $
582.82 $ 353.09 $ 44,954.16
$
44,954.16 $
582.82 $ 351.27 $ 44,722.61
$
44,722.61 $
582.82 $ 349.44 $ 44,489.23
$
44,489.23 $
582.82 $ 347.59 $ 44,254.01
$
44,254.01 $
582.82 $ 345.73 $ 44,016.92
$
44,016.92 $
582.82 $ 343.85 $ 43,777.95
$
43,777.95 $
582.82 $ 341.96 $ 43,537.09
$
43,537.09 $
582.82 $ 340.05 $ 43,294.33
$
43,294.33 $
582.82 $ 338.13 $ 43,049.64
$
43,049.64 $
582.82 $ 336.20 $ 42,803.01
$
42,803.01 $
582.82 $ 334.24 $ 42,554.44
$
42,554.44 $
582.82 $ 332.28 $ 42,303.89
$
42,303.89 $
582.82 $ 330.29 $ 42,051.37
$
42,051.37 $
582.82 $ 328.29 $ 41,796.84
$
41,796.84 $
582.82 $ 326.28 $ 41,540.30
$
41,540.30 $
582.82 $ 324.25 $ 41,281.72
$
41,281.72 $
582.82 $ 322.20 $ 41,021.10
$
41,021.10 $
582.82 $ 320.14 $ 40,758.42
$
40,758.42 $
582.82 $ 318.06 $ 40,493.65

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
81
82
83
84
85
86
87
88
89
90
91
92
93

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

40,493.65
40,226.80
39,957.82
39,686.72
39,413.48
39,138.06
38,860.47
38,193.05
37,278.21
36,356.11
35,426.72
34,489.97
33,545.81
32,594.17
31,635.00
30,668.23
29,693.81
28,711.67
27,721.76
26,724.02
25,718.37
24,704.77
23,683.13
22,653.41
21,615.54
20,569.46
19,515.09
18,452.37
17,381.24
16,301.63
15,213.48
14,116.71
13,011.25
11,897.05
10,774.02
9,642.11
8,501.23
7,351.32
6,192.31
5,024.12
3,846.68
2,659.93
1,463.77
258.15

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

582.82
582.82
582.82
582.82
582.82
582.82
967.41
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
1,207.65
258.15

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

315.96
313.85
311.72
309.57
307.41
305.23
299.99
292.80
285.56
278.26
270.90
263.49
256.01
248.48
240.88
233.23
225.52
217.74
209.90
202.00
194.04
186.02
177.93
169.78
161.56
153.28
144.93
136.52
128.04
119.49
110.88
102.20
93.45
84.62
75.73
66.77
57.74
48.64
39.46
30.21
20.89
11.50
2.03
-

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

40,226.80
39,957.82
39,686.72
39,413.48
39,138.06
38,860.47
38,193.05
37,278.21
36,356.11
35,426.72
34,489.97
33,545.81
32,594.17
31,635.00
30,668.23
29,693.81
28,711.67
27,721.76
26,724.02
25,718.37
24,704.77
23,683.13
22,653.41
21,615.54
20,569.46
19,515.09
18,452.37
17,381.24
16,301.63
15,213.48
14,116.71
13,011.25
11,897.05
10,774.02
9,642.11
8,501.23
7,351.32
6,192.31
5,024.12
3,846.68
2,659.93
1,463.77
258.15
-

$ 949.50

94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
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

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

Current Payments
APR % Payment Remaining Description
12.0% $158.00
48
Credit Card #1
15.0%
$34.67
36
Credit Card #2
11.0% $274.37
60
Credit Card #3
6.0% $280.85
84
Credit Union Loan
7.0% $200.00
28
Car Loan
12.0%
$92.72
24
Gas Credit Card
15.0%
$65.07
36
Medical Bill
9.5% $582.82
142
2nd Mortgage
6.0% $1,149.00
147
1st Mortgage
$2,837.50

Total debt

29 $ 179.78

84 $ 949.50

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

Interest
Current Balance Current Payment
Amount
$
5,200.00 $
200.00 $ 29.17 $ 5,029.17
$
5,029.17 $
200.00 $ 28.17 $ 4,857.34
$
4,857.34 $
200.00 $ 27.17 $ 4,684.50
$
4,684.50 $
200.00 $ 26.16 $ 4,510.66
$
4,510.66 $
200.00 $ 25.15 $ 4,335.81
$
4,335.81 $
200.00 $ 24.13 $ 4,159.94
$
4,159.94 $
200.00 $ 23.10 $ 3,983.03
$
3,983.03 $
200.00 $ 22.07 $ 3,805.10
$
3,805.10 $
200.00 $ 21.03 $ 3,626.13
$
3,626.13 $
200.00 $ 19.99 $ 3,446.12
$
3,446.12 $
200.00 $ 18.94 $ 3,265.05
$
3,265.05 $
200.00 $ 17.88 $ 3,082.93
$
3,082.93 $
200.00 $ 16.82 $ 2,899.75
$
2,899.75 $
200.00 $ 15.75 $ 2,715.50
$
2,715.50 $
200.00 $ 14.67 $ 2,530.17
$
2,530.17 $
200.00 $ 13.59 $ 2,343.77
$
2,343.77 $
200.00 $ 12.51 $ 2,156.27
$
2,156.27 $
200.00 $ 11.41 $ 1,967.68
$
1,967.68 $
200.00 $ 10.31 $ 1,777.99
$
1,777.99 $
200.00 $ 9.20 $ 1,587.20
$
1,587.20 $
200.00 $ 8.09 $ 1,395.29
$
1,395.29 $
200.00 $ 6.97 $ 1,202.26
$
1,202.26 $
200.00 $ 5.85 $ 1,008.11
$
1,008.11 $
200.00 $ 4.71 $ 812.82
$
812.82 $
200.00 $ 3.57 $ 616.40
$
616.40 $
200.00 $ 2.43 $ 418.83
$
418.83 $
200.00 $ 1.28 $ 220.10
$
220.10 $
200.00 $ 0.12 $
20.22
$
20.22 $
20.22 $
$
-

$ 179.78

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

Current Payments
APR % Payment Remaining Description
12.0% $158.00
48
Credit Card #1
15.0%
$34.67
36
Credit Card #2
11.0% $274.37
60
Credit Card #3
6.0% $280.85
84
Credit Union Loan
7.0% $200.00
28
Car Loan
12.0%
$92.72
24
Gas Credit Card
15.0%
$65.07
36
Medical Bill
9.5% $582.82
142
2nd Mortgage
6.0% $1,149.00
147
1st Mortgage
$2,837.50

Total debt

59 $
29 $

208.51
179.78

84 $

949.50

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
39
40
41

Interest
Current Balance Current Payment
$
19,225.00 $
280.85 $ 94.72
$
19,038.87 $
280.85 $ 93.79
$
18,851.81 $
280.85 $ 92.85
$
18,663.82 $
280.85 $ 91.91
$
18,474.88 $
280.85 $ 90.97
$
18,285.00 $
280.85 $ 90.02
$
18,094.17 $
280.85 $ 89.07
$
17,902.39 $
280.85 $ 88.11
$
17,709.65 $
280.85 $ 87.14
$
17,515.94 $
280.85 $ 86.18
$
17,321.27 $
280.85 $ 85.20
$
17,125.62 $
280.85 $ 84.22
$
16,928.99 $
280.85 $ 83.24
$
16,731.38 $
280.85 $ 82.25
$
16,532.78 $
280.85 $ 81.26
$
16,333.19 $
280.85 $ 80.26
$
16,132.61 $
280.85 $ 79.26
$
15,931.01 $
280.85 $ 78.25
$
15,728.42 $
280.85 $ 77.24
$
15,524.80 $
280.85 $ 76.22
$
15,320.17 $
280.85 $ 75.20
$
15,114.52 $
280.85 $ 74.17
$
14,907.84 $
280.85 $ 73.13
$
14,700.12 $
280.85 $ 72.10
$
14,491.37 $
280.85 $ 71.05
$
14,281.57 $
280.85 $ 70.00
$
14,070.73 $
280.85 $ 68.95
$
13,858.82 $
280.85 $ 67.89
$
13,645.86 $
460.63 $ 65.93
$
13,251.16 $
480.85 $ 63.85
$
12,834.16 $
480.85 $ 61.77
$
12,415.08 $
480.85 $ 59.67
$
11,993.90 $
480.85 $ 57.57
$
11,570.62 $
480.85 $ 55.45
$
11,145.22 $
480.85 $ 53.32
$
10,717.69 $
480.85 $ 51.18
$
10,288.02 $
480.85 $ 49.04
$
9,856.21 $
480.85 $ 46.88
$
9,422.23 $
480.85 $ 44.71
$
8,986.09 $
480.85 $ 42.53
$
8,547.77 $
480.85 $ 40.33

Amount
$ 19,038.87
$ 18,851.81
$ 18,663.82
$ 18,474.88
$ 18,285.00
$ 18,094.17
$ 17,902.39
$ 17,709.65
$ 17,515.94
$ 17,321.27
$ 17,125.62
$ 16,928.99
$ 16,731.38
$ 16,532.78
$ 16,333.19
$ 16,132.61
$ 15,931.01
$ 15,728.42
$ 15,524.80
$ 15,320.17
$ 15,114.52
$ 14,907.84
$ 14,700.12
$ 14,491.37
$ 14,281.57
$ 14,070.73
$ 13,858.82
$ 13,645.86
$ 13,251.16
$ 12,834.16
$ 12,415.08
$ 11,993.90
$ 11,570.62
$ 11,145.22
$ 10,717.69
$ 10,288.02
$
9,856.21
$
9,422.23
$
8,986.09
$
8,547.77
$
8,107.25

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
81
82
83
84

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

8,107.25
7,664.53
7,219.60
6,772.45
6,323.05
5,871.42
5,417.52
4,961.35
4,502.90
4,042.16
3,579.12
3,113.76
2,646.08
2,176.05
1,703.68
1,228.94
751.83
272.34

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

480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
480.85
272.34

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

38.13
35.92
33.69
31.46
29.21
26.95
24.68
22.40
20.11
17.81
15.49
13.16
10.83
8.48
6.11
3.74
1.35
-

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

7,664.53
7,219.60
6,772.45
6,323.05
5,871.42
5,417.52
4,961.35
4,502.90
4,042.16
3,579.12
3,113.76
2,646.08
2,176.05
1,703.68
1,228.94
751.83
272.34
-

$ 208.51

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

Current
APR % Payment
12.0% $158.00
15.0%
$34.67
11.0% $274.37
6.0% $280.85
7.0% $200.00
12.0%
$92.72
15.0%
$65.07
9.5% $582.82
6.0% $1,149.00

$216,915.80

$2,837.50

Payment
s
Remainin
g
48
36
60
84
28
24
36
142
147

Description
Credit Card #1
Credit Card #2
Credit Card #3
Credit Union Loan
Car Loan
Gas Credit Card
Medical Bill
2nd Mortgage
1st Mortgage
Total debt

59 $

208.51

84 $

949.50

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

Current Balance Current Payment

Interest
Amount
$
119,412.57 $
1,149.00 $ 591.32 $ 118,854.89
$
118,854.89 $
1,149.00 $ 588.53 $ 118,294.42
$
118,294.42 $
1,149.00 $ 585.73 $ 117,731.14
$
117,731.14 $
1,149.00 $ 582.91 $ 117,165.06
$
117,165.06 $
1,149.00 $ 580.08 $ 116,596.14
$
116,596.14 $
1,149.00 $ 577.24 $ 116,024.37
$
116,024.37 $
1,149.00 $ 574.38 $ 115,449.75
$
115,449.75 $
1,149.00 $ 571.50 $ 114,872.25
$
114,872.25 $
1,149.00 $ 568.62 $ 114,291.87
$
114,291.87 $
1,149.00 $ 565.71 $ 113,708.58
$
113,708.58 $
1,149.00 $ 562.80 $ 113,122.38
$
113,122.38 $
1,149.00 $ 559.87 $ 112,533.25
$
112,533.25 $
1,149.00 $ 556.92 $ 111,941.17
$
111,941.17 $
1,149.00 $ 553.96 $ 111,346.13
$
111,346.13 $
1,149.00 $ 550.99 $ 110,748.11
$
110,748.11 $
1,149.00 $ 548.00 $ 110,147.11
$
110,147.11 $
1,149.00 $ 544.99 $ 109,543.10
$
109,543.10 $
1,149.00 $ 541.97 $ 108,936.07
$
108,936.07 $
1,149.00 $ 538.94 $ 108,326.01
$
108,326.01 $
1,149.00 $ 535.89 $ 107,712.89
$
107,712.89 $
1,149.00 $ 532.82 $ 107,096.71
$
107,096.71 $
1,149.00 $ 529.74 $ 106,477.45
$
106,477.45 $
1,149.00 $ 526.64 $ 105,855.09
$
105,855.09 $
1,149.00 $ 523.53 $ 105,229.62
$
105,229.62 $
1,149.00 $ 520.40 $ 104,601.03
$
104,601.03 $
1,149.00 $ 517.26 $ 103,969.29
$
103,969.29 $
1,149.00 $ 514.10 $ 103,334.39
$
103,334.39 $
1,149.00 $ 510.93 $ 102,696.31
$
102,696.31 $
1,149.00 $ 507.74 $ 102,055.05
$
102,055.05 $
1,149.00 $ 504.53 $ 101,410.58
$
101,410.58 $
1,149.00 $ 501.31 $ 100,762.89
$
100,762.89 $
1,149.00 $ 498.07 $ 100,111.96
$
100,111.96 $
1,149.00 $ 494.81 $ 99,457.77
$
99,457.77 $
1,149.00 $ 491.54 $ 98,800.32
$
98,800.32 $
1,149.00 $ 488.26 $ 98,139.57

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
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
81
82
83
84
85
86
87
88

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

98,139.57
97,475.53
96,808.16
96,137.45
95,463.40
94,785.97
94,105.15
93,420.93
92,733.29
92,042.22
91,347.68
90,649.68
89,948.18
89,243.17
88,534.65
87,822.57
87,106.94
86,387.73
85,664.92
84,938.50
84,208.45
83,474.75
82,737.38
81,996.32
81,042.00
80,010.21
78,973.26
77,931.13
76,883.79
75,831.21
74,773.36
73,710.23
72,641.78
71,567.99
70,488.83
69,404.28
68,314.30
67,218.87
66,117.97
65,011.56
63,899.62
62,782.12
61,659.03
60,530.32
59,395.98
58,255.96
57,110.24
55,958.79
54,801.58
52,684.35
50,096.08
47,494.87
44,880.66

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

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
1,357.51
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
1,429.85
2,379.35
2,837.50
2,837.50
2,837.50
2,837.50

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

484.95
481.63
478.30
474.94
471.57
468.18
464.78
461.36
457.92
454.47
450.99
447.50
444.00
440.47
436.93
433.37
429.79
426.19
422.58
418.95
415.30
411.63
407.94
403.19
398.06
392.90
387.72
382.51
377.27
372.01
366.72
361.40
356.06
350.69
345.29
339.87
334.42
328.95
323.44
317.91
312.35
306.76
301.15
295.50
289.83
284.13
278.40
272.64
262.11
249.23
236.29
223.29
210.22

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

97,475.53
96,808.16
96,137.45
95,463.40
94,785.97
94,105.15
93,420.93
92,733.29
92,042.22
91,347.68
90,649.68
89,948.18
89,243.17
88,534.65
87,822.57
87,106.94
86,387.73
85,664.92
84,938.50
84,208.45
83,474.75
82,737.38
81,996.32
81,042.00
80,010.21
78,973.26
77,931.13
76,883.79
75,831.21
74,773.36
73,710.23
72,641.78
71,567.99
70,488.83
69,404.28
68,314.30
67,218.87
66,117.97
65,011.56
63,899.62
62,782.12
61,659.03
60,530.32
59,395.98
58,255.96
57,110.24
55,958.79
54,801.58
52,684.35
50,096.08
47,494.87
44,880.66
42,253.38

36
37
38
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
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
108
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

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

42,253.38
39,612.96
36,959.33
34,292.44
31,612.22
28,918.59
26,211.50
23,490.87
20,756.63
18,008.73
15,247.08
12,471.63
9,682.30
6,879.03
4,061.73
1,230.36

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

2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
2,837.50
1,230.36

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

197.08
183.88
170.61
157.27
143.87
130.41
116.87
103.27
89.60
75.86
62.05
48.17
34.22
20.21
6.12
-

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

39,612.96
36,959.33
34,292.44
31,612.22
28,918.59
26,211.50
23,490.87
20,756.63
18,008.73
15,247.08
12,471.63
9,682.30
6,879.03
4,061.73
1,230.36
-

89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104

142
143
144
145
146
147

Current Balance Current Payment

Interest
Amount
$
119,412.57 $
1,257.00 $ 590.78 $ 118,746.35
$
118,746.35 $
1,257.00 $ 587.45 $ 118,076.79
$
118,076.79 $
1,257.00 $ 584.10 $ 117,403.89
$
117,403.89 $
1,257.00 $ 580.73 $ 116,727.63
$
116,727.63 $
1,257.00 $ 577.35 $ 116,047.98
$
116,047.98 $
1,257.00 $ 573.95 $ 115,364.94
$
115,364.94 $
1,257.00 $ 570.54 $ 114,678.48
$
114,678.48 $
1,257.00 $ 567.11 $ 113,988.58
$
113,988.58 $
1,257.00 $ 563.66 $ 113,295.24
$
113,295.24 $
1,257.00 $ 560.19 $ 112,598.43
$
112,598.43 $
1,257.00 $ 556.71 $ 111,898.14
$
111,898.14 $
1,257.00 $ 553.21 $ 111,194.35
$
111,194.35 $
1,257.00 $ 549.69 $ 110,487.03
$
110,487.03 $
1,257.00 $ 546.15 $ 109,776.18
$
109,776.18 $
1,257.00 $ 542.60 $ 109,061.78
$
109,061.78 $
1,257.00 $ 539.02 $ 108,343.80
$
108,343.80 $
1,257.00 $ 535.43 $ 107,622.24
$
107,622.24 $
1,257.00 $ 531.83 $ 106,897.06
$
106,897.06 $
1,257.00 $ 528.20 $ 106,168.26
$
106,168.26 $
1,257.00 $ 524.56 $ 105,435.82
$
105,435.82 $
1,257.00 $ 520.89 $ 104,699.71
$
104,699.71 $
1,257.00 $ 517.21 $ 103,959.93
$
103,959.93 $
1,257.00 $ 513.51 $ 103,216.44
$
103,216.44 $
1,257.00 $ 509.80 $ 102,469.24
$
102,469.24 $
1,257.00 $ 506.06 $ 101,718.30
$
101,718.30 $
1,257.00 $ 502.31 $ 100,963.61
$
100,963.61 $
1,257.00 $ 498.53 $ 100,205.14
$
100,205.14 $
1,257.00 $ 494.74 $ 99,442.88
$
99,442.88 $
1,257.00 $ 490.93 $ 98,676.81
$
98,676.81 $
1,257.00 $ 487.10 $ 97,906.91
$
97,906.91 $
1,257.00 $ 483.25 $ 97,133.16
$
97,133.16 $
1,257.00 $ 479.38 $ 96,355.54
$
96,355.54 $
1,257.00 $ 475.49 $ 95,574.03
$
95,574.03 $
1,257.00 $ 471.59 $ 94,788.62
$
94,788.62 $
1,257.00 $ 467.66 $ 93,999.27

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

93,999.27
93,205.99
92,408.73
91,607.49
90,802.24
89,992.97
89,179.65
88,362.26
87,540.79
86,715.21
85,885.50
85,051.64
84,213.61
83,371.40
82,524.97
81,674.31
80,819.39
79,960.21
79,096.72
78,228.92
77,356.78
76,480.28
75,599.40
74,714.11
73,824.39
72,647.98
71,465.68
70,277.47
69,083.31
67,883.19
66,677.07
65,464.91
64,246.70
63,022.39
61,791.97
60,555.39
59,312.62
58,063.65
56,808.43
55,546.93
54,279.13
53,004.98
51,724.47
50,437.55
49,144.20
47,844.38
46,538.06
45,225.21
43,905.80
42,579.79
39,832.46
37,071.40
34,296.53

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

1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,257.00
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
1,537.85
2,945.50
2,945.50
2,945.50
2,945.50

$ 463.71
$ 459.74
$ 455.76
$ 451.75
$ 447.73
$ 443.68
$ 439.61
$ 435.53
$ 431.42
$ 427.29
$ 423.14
$ 418.97
$ 414.78
$ 410.57
$ 406.34
$ 402.09
$ 397.81
$ 393.52
$ 389.20
$ 384.86
$ 380.50
$ 376.12
$ 371.71
$ 367.29
$ 361.43
$ 355.55
$ 349.64
$ 343.70
$ 337.73
$ 331.73
$ 325.70
$ 319.64
$ 313.54
$ 307.42
$ 301.27
$ 295.09
$ 288.87
$ 282.63
$ 276.35
$ 270.05
$ 263.71
$ 257.34
$ 250.93
$ 244.50
$ 238.03
$ 231.53
$ 225.00
$ 218.44
$ 211.84
$ 198.17
$ 184.43
$ 170.63
$ 156.76

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

93,205.99
92,408.73
91,607.49
90,802.24
89,992.97
89,179.65
88,362.26
87,540.79
86,715.21
85,885.50
85,051.64
84,213.61
83,371.40
82,524.97
81,674.31
80,819.39
79,960.21
79,096.72
78,228.92
77,356.78
76,480.28
75,599.40
74,714.11
73,824.39
72,647.98
71,465.68
70,277.47
69,083.31
67,883.19
66,677.07
65,464.91
64,246.70
63,022.39
61,791.97
60,555.39
59,312.62
58,063.65
56,808.43
55,546.93
54,279.13
53,004.98
51,724.47
50,437.55
49,144.20
47,844.38
46,538.06
45,225.21
43,905.80
42,579.79
39,832.46
37,071.40
34,296.53
31,507.78

$
$
$
$
$
$
$
$
$
$
$

31,507.78
28,705.09
25,888.39
23,057.61
20,212.67
17,353.50
14,480.04
11,592.22
8,689.95
5,773.17
2,841.81

$
$
$
$
$
$
$
$
$
$
$

2,945.50
2,945.50
2,945.50
2,945.50
2,945.50
2,945.50
2,945.50
2,945.50
2,945.50
2,945.50
2,841.81

$ 142.81
$ 128.80
$ 114.71
$ 100.56
$ 86.34
$ 72.04
$ 57.67
$ 43.23
$ 28.72
$ 14.14
$
-

$
$
$
$
$
$
$
$
$
$
$

28,705.09
25,888.39
23,057.61
20,212.67
17,353.50
14,480.04
11,592.22
8,689.95
5,773.17
2,841.81
-

Committee Evaluation Form

CONFIDENTIAL (will not be seen by anyone except the professor)
On a scale of 1% - 100%, individually rate the participation and quality of work of your
committee members, INCLUDING YOURSELF. (Don't forget yourself!!)
Use the Grading Rubric in the Syllabus as your guide.
Rate each category on the scale of 1% - 100%.

Committee Member

Overall
Particip Prepara Quality Contrib
ation
tion of Work ution

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