1. Closer to Real Life By: Monique Garcia

2. -1 Room -1 Bathroom -Living Room -Kitchen Price: $40,000 Cambridge Apartments 1223 Beacon St. Brookline, MA 02446

3. Price: $25,000 USED! 2003 BMW X5

4. Labrador Retriever Price: $300

5. Mac Book Pro Price: $1,699.00 4GB memory 250GB hard drive 15-inch: 2.53GHz

6. Personal Expenses: Cloth, Accessories, Make- up, Partying, food, dog food, phone, water,cable super market. $30,000

7. InterestTaxes Loan term (years) Sale Value ($) Montly Payment Total Interest paid Total Tax PaidTotal Value Cambridge Apartments 7% 0.50 % 15 years $40,000$376.20$24,715.64$3,000$67,715.64 BMW X5 (2003) 12% 0.50 % 5 years $25,000$566.53$8,366.67$625$33,991.67 Labrador retriver 12% 0.50 % 5 years $300$6.80$100.40$7.50$407.90 MacBook Pro 12% 0.50 % 5 years $1,699$38.50$568.60$42.48$2,310.07 Personal Expenses 11% 0.50 % 10 years $30,000$425.75$19,590$1,500$51,090 $96,999$1,413.78$53,341.31$5,174.98 $155,515.2 8

8. Salary$80,000 After Taxes$76,000 Monthly Income$6,333.33 Total Monthly Payments$1,413.78 Income Left$4,919.55

9. Monthly Income: $6,333.33 Savings: Ridgestone Bank Rate 2.47% Saving: $2,500 per month Income Left per month: $3,833.33 http://www.moneyrates.com/savings.htm?&CCID=20101475203531453&QTR=ZZf0Za20101475Zb0Zg71Zw0Zm0Zc203531453,2035 31453Zs6649ZZ&CLK=196100216204201581&accounttype=savings&type=savings&amount=24999&loanamount=-- +Loan+Amount&term=&loantype=2&state=&submit.x=50&submit.y=19

10. http://www.apartments.com/summary.aspx?page=summary&property=117754.4&subarea6=y&prv pg=1067&area1=y&prvpg=1067&state=ma&prvpg=1067&rgn1=114&prvpg=1067&rent_minimum=0&p rvpg=1067&rent_maximum=99999&prvpg=1067&mode=6144&prvpg=1067&srt1=0.44&prvpg=1067 &srt2=0.39&prvpg=1067&srt3=0.61&prvpg=1067&lid=More_Details&prvpg=1067&pdriveit=0&pdri vefrm=1#MenuItem http://www.carsforsale.com/used_cars_for_sale/2003_BMW_X5_109236475_3 http://www.terrificpets.com/dogs_for_sale/viewad.asp?adid=95959 http://store.apple.com/us/browse/home/shop_mac/family/macbook_pro?aid=AIC-WWW- NAUS-K2-BUYNOW-MACBOOKPRO-FEATURES&cp=BUYNOW-MACBOOKPRO-FEATURES Bibliography