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					Imagine . . .
Think about your future. Picture your life twenty
years from now.
How much education did you attain?



What do you do for a living?



Are you married?

Do you have kids? If so, how many? How old is each.

Describe the life you lead. Where do you live? Describe your home. What kind of car
do you drive? How often do you eat out? What do you do for fun? Paint a vivid picture
of this future life as clearly as you can.




From the United States Census: http://www.census.gov/prod/2002pubs/p23-
210.pdf#search=salary high school graduate
Basic Steps for cost of living lesson -


1.     Students will complete the basic survey questions about how they picture their life
       in 20 years.

2.     Students will receive check with their yearly wage. They will quickly figure out
       their monthly portion. Students should decide if they have children. They should
       quickly decide how many and how old they are. Discussion of what they envision
       their adult lives to be? Expections etc. ?


2.     Students will visit the various stations how they will spend their money. At some
       stations they will have to make decisions such as which column of grocery
       expenditures they fit into, how expensive a car they can afford, whether they can
       afford cable, etc. For each statement they will fill in their budget.

3.     Students will add up expenditures. Is their any money left?

4.     Full class discussion – savings, other expenses not included in exercise e.g.
       entertainment, eating out, health care, clothes.

5.     Reveal roles and show students table with chart connecting education to money –
       continue discussion

6.     Show students table with chart connecting gender and education to money (how
       about race?) – continue discussion (see next page)

7.     Before students leave class – some kind of exit slip reflecting on today’s activities




From the United States Census: http://www.census.gov/prod/2002pubs/p23-
210.pdf#search=salary high school graduate
Full-Time, Year-Round Workers—Average Earnings per Year
(figures from 1997-1999 Census data)

                  Did not
                                  High                                                                                 Doctoral
                  graduate                     Some       Associate’s     Bachelor’s      Master’s      Professional
                                 school                                                                                 (PhD)
                    high                      college       degree         degree         Degree          Degree
                                  grad                                                                                 Degree
                   school

    MEN           26,124        34,906       42,525        43,680          60,592         73,210         122,892       97,626

 WOMEN 17,947                   24,109       29,072        31,784          40,001         47,980          74,897       65,900


                  Did not
                                  High
                  graduate                     Some       Associate’s     Bachelor’s     Advanced
                                 school
                    high                      college       degree         degree         degree
                                  grad
                   school
  WHITE,
  non-hisp.       27,086        31,969       38,925        39,507          54,562         77,475

   BLACK          20,362        25,655       30,194        32,077          40,251         51,154

   ASIAN          22,056        26,659       31,995        36,568          46,006         74,054

 HISPANIC         20,041        26,026       30,867        33,600          40,940         65,805


From the United States Census: http://www.census.gov/prod/2002pubs/p23-210.pdf#search=salary high school graduate
             Bank of Your Life

     Pay to the Order of    Person A                         $ 23,000
             Twenty-three thousand dollars




             Bank of Your Life

     Pay to the Order of    Person B                         $ 30,400
       Thirty thousand four hundred dollars




             Bank of Your Life

     Pay to the Order of    Person C             $ 36,800
       Thirty-six thousand eight hundred dollars




             Bank of Your Life

     Pay to the Order of    Person D             $ 38,200
       Thirty-eight thousand two hundred dollars




             Bank of Your Life

     Pay to the Order of   Person E                          $ 52,200
      Fifty-two thousand two hundred dollars

From the United States Census results 2000: http://www.census.gov/prod/2002pubs/p23-
210.pdf#search=%22salary%20high%20school%20graduate%22
             Bank of Your Life

     Pay to the Order of   Person F                          $ 62,300
      Sixty-two thousand three hundred dollars




             Bank of Your Life

     Pay to the Order of   Person G              $ 109,600
      One hundred nine thousand six hundred dollars




             Bank of Your Life

     Pay to the Order of    Person H                         $ 89,400
      Eighty-nine thousand four hundred dollars




From the United States Census results 2000: http://www.census.gov/prod/2002pubs/p23-
210.pdf#search=%22salary%20high%20school%20graduate%22
                         Curie Apartment Pages

PERSON A              PERSON B              PERSON C             PERSON D
  $23,000               $30,400               $36,800              $38,200
Not a High            High School              Some              Associate’s
   School              Graduate               College              Degree
 Graduate              ($2533.33             ($3066.67            ($3183.33
 ($1916.67               PER                   PER                  PER
    PER                MONTH)                MONTH)               MONTH)
 MONTH)
PERSON E              PERSON F             PERSON G PERSON H
  $52,200               $62,300              $109,600    $89,400
Bachelor’s             Master’s            Professional Doctoral
  Degree                Degree                Degree     Degree
 ($4350.00             ($5191.67            ($9133.33   (7450.00
    PER                  PER                   PER        PER
 MONTH)                MONTH)               MONTH)      MONTH)

PERSON A              PERSON B              PERSON C             PERSON D
  $23,000               $30,400               $36,800              $38,200
Not a High            High School              Some              Associate’s
   School              Graduate               College              Degree
 Graduate              ($2533.33             ($3066.67            ($3183.33
 ($1916.67               PER                   PER                  PER
    PER                MONTH)                MONTH)               MONTH)
 MONTH)
PERSON E              PERSON F             PERSON G PERSON H
  $52,200               $62,300              $109,600    $89,400
Bachelor’s             Master’s            Professional Doctoral
  Degree                Degree                Degree     Degree
 ($4350.00             ($5191.67            ($9133.33   (7450.00
    PER                  PER                   PER        PER
 MONTH)                MONTH)               MONTH)      MONTH)


From the Chicago Reader:
http://classifieds.chicagoreader.com/chicago/Results?subsection=oid%3A122
                         Curie Apartment Pages

Rent: $1,100
Neighborhood: Hyde Park/ Kenwood
Bedrooms: 2BR
Bathrooms: 1 bath
Pets: Dogs OK, Cats OK
Smoking: Not OK
Parking: No
Map: 6100 S. Ingleside, 60637
Large sunny corner unit in courtyard development, 2.5 bd, hardwood floors, large bath
w/double sinks, full kitchen w/ dishwasher, in-unit washer/dryer. Steps to campus & CTA, 5
min. walk to UC Hospitals. Heat, water, scavenger, snow removal included. Pets ok. This
gorgeous unit is available for a steal until 9/30/06. Sale is also an option. Call Chris
at (773) xxx-xxxx.
Rent: $625
Neighborhood: Marquette Park
Bedrooms: 1BR
Bathrooms: 1 bath
Pets: No pets allowed
Smoking: Not OK
Parking: No
Map: 6201 South Troy, 60629
1 & 2 BRs Available Now!
posted 07/31/2006
6201 S. Troy. Includes living room, dining, kitchen, bath, pantry and hardwood floors.
$625-$750/month. Tenant pays electric and cooking gas. Call Marcos with Rising Realty at
773.xxx.xxxx.
Rent: $795
Neighborhood: Ukrainian Village
Bedrooms: 2BR
Bathrooms: 1 bath
Pets: Dogs OK, Cats OK
Parking: Yes
Map: 920 N. Francisco Chicago, IL, 60622
$795/Charming 2 Bedroom.
posted 09/08/2006
920 N. Francisco, Chicago. 2 br (2nd bdrm small), washer/dryer, high ceilings, vintage
mouldings, pocket shutters, gleaming hardwood flrs, walk-in shower, garden, pkg. Available
Sept. 15. Please call 312-xxx-xxxx.
Rent: $1,000
Neighborhood: Bronzeville
Bedrooms: 3BR
Bathrooms: 1 bath
Map: 4537 South Indiana, 60653
HUGE BRONZEVILLE APARTMENT
posted 08/25/2006
HUGE BRONZEVILLE APARTMENT rental. 3 br, 1 ba + formal dining. New appliances, hardwood
floors, $1000/ month includes heat. Transportation close. Call Lori: 773-xxx-xxxx.
Rent: $1,200
Neighborhood: Wrigleyville
Bedrooms: 2BR
Bathrooms: 1 bath
Pets: Dogs OK, Cats OK
Smoking: OK
Parking: No
Map: 3919 N Fremont, 60613
2 Bedroom Wrigleyville pet friendly 3919 N Freemont
posted 09/05/2006
2 bedroom,living room,dining room, pet friendly building, blocks from Wrigley field,
el,lake, Southport corridor, Lakeview sights. Available mid-September, October 1st. 773-
xxx-xxxx




From the Chicago Reader:
http://classifieds.chicagoreader.com/chicago/Results?subsection=oid%3A122
                         Curie Apartment Pages

Rent: $995
Neighborhood: Garfield Park
Bedrooms: 2BR
Bathrooms: 2 baths
Pets: Cats OK
Smoking: OK
Parking: No
Map: 3806 W. Washington, 60624
Brand new 2bed/2bath right on Garfield Park!
posted 09/05/2006
FOR RENT ~ $995/MO
Brand New 2BR/2BA (condo) Right on Garfield Park!
Top floor, Hardwoods throughout, granite, maple cabinets, central air, storage & W/D in
unit! Just 2 blocks to Green Line and Conservatory. Available today! Call Mike at
773.xxx.xxxx


Rent: $950
Neighborhood: Pilsen/ Little Village
Bedrooms: 1BR
Bathrooms: 1 bath
Pets: No pets allowed
Smoking: OK
Parking: No
Map: 21st Place at Wood, 60608
BEAUTIFUL ONE BEDROOM WITH WORK SPACE IN PILSEN.
posted 09/02/2006
BEAUTIFUL ONE BEDROOM WITH WORK SPACE IN PILSEN. Must see. Near downtown, UIC, Medical
District, el and expressways. ALL BRAND NEW: oak floors throughout (including bathroom);
stainless steel appliances and microwave; granite countertop, cabinets; jacuzzi whirlpool
bath tub; window blinds. All newly decorated. Laundry facilities on location will be
available soon. Gated lot. Well kept building. $950 month plus security deposit. One year
lease. Available now. Credit check. Call 630/xxx-xxxx to make an appointment.

Rent: $1,900
Neighborhood: Tri-Taylor/ UIC
Bedrooms: 2BR
Bathrooms: 2 baths
Pets: No pets allowed
Smoking: Not OK
Parking: Yes
Map: 1000 W. 15th Street, 60608
BRAND NEW 2-BED/2-BATH LOFT CONDO FOR RENT NEAR UIC W/ GARAGE!!
posted 09/07/2006
BRAND NEW, NEVER LIVED IN 2-BEDROOM/2-BATH LOFT CONDO WITH FLOOR-TO-CEILING WINDOWS,
GRANITE AND STAINLESS KITCHEN, FIREPLACE, IN-UNIT WASHER AND DRYER, GORGEOUS HARDWOOD
FLOORS, AND OFFICE NOOK.
**THIS EVEN HAS AN UNDERGROUND, HEATED GARAGE SPOT**
PERFECT FOR ROOMMATE SITUATION OR PROFESSOR OF UIC OR ANYONE!!!
$1900/MONTH; NEGOTIABLE FOR LONGER TERM.

Rent: $1,000
Neighborhood: South Shore
Bedrooms: 2BR
Bathrooms: 1 bath
Pets: No pets allowed
Smoking: OK
Parking: No
Map: Cornell at 77th St, 60649
Georgeous South Shore 2 BR Condo
posted 09/08/2006
Gorgeous Cornell & 77th St. Two Bedroom condo. Fully gutted and rebuilt building with 16
new condos including this one. Central AC and heat controlled in the apartment itself,
dishwasher, black faux granite kitchen, jacuzzi, new hardwood floors, wall to wall
carpeting in bedrooms, front and rear third story views, rear deck/porch, one block to
public transit and new Jewel/Osco, peaceful neighborhood Fast bus to Loop on Stony Island.
DR/LR combo 11x10, Kitchen 11x8, Master BR 15x12; 2ed BR 12x10. About 800 sq ft total.
$1200 or best offer 312-xxx-xxxx
From the Chicago Reader:
http://classifieds.chicagoreader.com/chicago/Results?subsection=oid%3A122
     Official USDA food plans: cost of food at home at four levels
                           U.S. average, April 2004

                                    WEEKLY COST (2)
AGE-GENDER             Thrifty    Low-cost   Moderate-   Liberal
GROUPS                  plan        plan     cost plan     plan
INDIVIDUALS (3)
  CHILD:
1 year                 $17.40      $21.70     $25.50     $31.20
2 years                 17.40       21.40      25.40      30.80
3-5 years               19.00       23.50      29.10      35.20
6-8 years               23.80       31.60      39.10      45.50
9-11 years              27.80       35.60      45.40      52.90


  MALE:
12-14 years             28.90       40.20      49.70       58.50
15-19 years             29.80       41.30      51.70       60.00
20-50 years             32.00       41.40      51.60       62.90
51 years and over       29.10       39.50      48.60       58.40


  FEMALE:
12-19 years             28.90       34.70      42.20       50.90
20-50 years             29.00       36.10      44.20       56.90
51 years and over       28.50       35.10      43.70       52.40


FAMILIES:
  FAMILY OF 2 (4):
20-50 years             67.10       85.30     105.30     131.70
51 years and over       63.40       82.00     101.60     121.80


  FAMILY OF 4:
Couple, 20-50 years
  and children--
2 and 3-5 years         97.30      122.40     150.20     185.70
6-8 and 9-11 years     112.60      144.80     180.20     218.20




From http://www.findarticles.com/p/articles/mi_m0EUB/is_1_16/ai_n6206921
      Official USDA food plans: cost of food at home at four levels
                             U.S. average, April 2004

                                    MONTHLY COST (2)
AGE-GENDER                Thrifty    Low-cost       Moderate-   Liberal
GROUPS                     plan        plan         cost plan   plan
INDIVIDUALS (3)
  CHILD:
1 year                    $75.60      $94.20         $110.30    $135.10
2 years                    75.20       92.70          109.90     133.40
3-5 years                  82.30      102.00          126.20     152.40
6-8 years                 103.00      137.10          169.30     197.30
9-11 years                120.70      154.30          196.90     229.20


  MALE:
12-14 years               125.40      174.00          215.50    253.60
15-19 years               129.10      179.10          224.10    260.10
20-50 years               138.40      179.30          223.50    272.50
51 years and over         126.10      171.00          210.70    253.00


  FEMALE:
12-19 years               125.40      150.30          182.90    220.30
20-50 years               125.70      156.50          191.30    246.50
51 years and over         123.50      152.00          189.50    226.90


FAMILIES:
  FAMILY OF 2 (4):
20-50 years               290.50      369.40          456.30    570.90
51 years and over         274.60      355.20          440.20    527.80


  FAMILY OF 4:
Couple, 20-50 years
  and children--
2 and 3-5 years           421.70      530.50          650.90    804.70
6-8 and 9-11 years        487.70      627.30          781.00    945.50

(1) Basis is that all meals and snacks are purchased at stores and
prepared al home. For specific foods and quantities of foods in the
Thrifty Food Plan, see Family Economics and Nutrition Review, Vol. 13,
No. 1 (2001), pp. 50-64; for specific foods and quantities of foods in
the Low-Cost, Moderate-Cost, and Liberal Plans, see The Low-Cost,
Moderate-Cost, and Liberal Food Plans, 2003 Administrative Report
(2003). All four Food Plans are based on 1989-91 data and are updated
to current dollars by using the Consumer Price Index for specific food
items.

(2) All costs are rounded to nearest 10 cents.

(3) The costs given are for individuals in 4-person families. For
individuals in other size families, the following adjustments are
suggested: 1-person--add 20 percent; 2-person--add 10 percent;
3-person--add 5 percent; 4-person--no adjustment; 5- or
6-person--subtract 5 percent; 7- (or more) person--subtract 10
percent. To calculate overall household food costs, (1) adjust food
costs for each person in the household and then (2) sum these adjusted
food costs.

(4) Ten percent added for family size adjustment.

From http://www.findarticles.com/p/articles/mi_m0EUB/is_1_16/ai_n6206921
                             The Cost of Buying a Car

Vehicle Price:         $         5000                         Vehicle Price:        $      7000



Down Payment:          $         500                          Down Payment:         $      700


Trade-In Value:        $         0                            Trade-In Value:       $      0


Sales Tax:                       9.0               %          Sales Tax:                   9.0             %

Interest Rate:                   7.81              %          Interest Rate:               7.81            %

Term (Months):                   36                           Term (Months):               36


Monthly Payment:       $         154.68                       Monthly Payment: $           216.55


Total Cost:            $                    6068              Total Cost:           $               8495


 Vehicle Price:    $   10000                                 Vehicle Price:     $   10000



 Down Payment:     $   500                                   Down Payment: $        1000


 Trade-In Value:   $   0                                     Trade-In Value: $      0


 Sales Tax:            9.0              %                    Sales Tax:             9.0                %

 Interest Rate:        7.81             %                    Interest Rate:         7.81               %

 Term (Months):        36                                    Term (Months):         36


 Monthly Payment: $    324.98                                Monthly
                                                                                $   309.36
                                                           Payment:
 Total Cost:       $           12199
                                                             Total Cost:        $              12137

                           Vehicle Price:              $        12000



                           Down Payment:               $        1200


                           Trade-In Value:             $        0


                           Sales Tax:                           9.0             %

                           Interest Rate:                       7.81            %

                           Term (Months):                       36


                           Monthly Payment:            $        371.23




                           Total Cost:                 $                14564
                            The Cost of Buying a Car




                              Vehicle Price:     $   15000



                              Down Payment:      $   1500


                              Trade-In Value:    $   0


                              Sales Tax:             9.0             %

                              Interest Rate:         7.81            %

                              Term (Months):         36


                              Monthly Payment:   $   464.04


                              Total Cost:        $           18205




Vehicle Price:     $   20000                                  Vehicle Price:     $   30000



Down Payment:      $   2000                                   Down Payment:      $   3000


Trade-In Value:    $   0                                      Trade-In Value:    $   0


Sales Tax:             9.0             %                                             9.0
                                                              Sales Tax:                             %

Interest Rate:         7.81            %                      Interest Rate:         7.81            %

Term (Months):         36
                                                              Term (Months):         36

Monthly Payment:   $   618.72
                                                              Monthly Payment:   $   928.08

Total Cost:        $           24274
                                                              Total Cost:        $           36411
                                    Utilities




From: http://www.exeloncorp.com/_hidden/_awaiting_ownership/sample_bill.htm
                                     Utilities




From
http://www.negasco.com/site/sample.php/type/20
                                     Utilities




From
https://www.comcast.com/customers/membership/Bill/Explain/BillVariantsDst.ashx?type
=Print
                                    Utilities




From http://www22.verizon.com/ForYourBusiness/images/Bills/BillSample-
NE.html
                                                Our Philosophy
 The goal of MAC is to provide an environment for the children which will allow them to grow to their full potential. We
   offer premium educational-based daycare options for the children of families living in, and dual income and single
parents working in and around downtown Chicago. By following the traditional Montessori prestigious, MAC will serve to
awaken the love of learning inherent in children. Our programs enhance traditional day care methods by focusing on the
                                       development of the prepared environment.



                                            INFANT: 6 Weeks-15 Months
          Full-time           M-F         7:00am-6:30pm          $385/wk             $1,669/mos         $20,020/yr
    Half day-Mornings         M-F        7:00am-12:00pm          $250/wk             $1,083/mos         $13,000/yr
   Half day-5 Afternoons      M-F        1:30pm-6:30pm           $210/wk              $910/mos          $10,920/yr
   Half day-4 Afternoons      4day       1:30pm-6:30pm           $180/wk              $750/mos           $9,360/yr
                                         TODDLER: 15 Months-24 Months
          Full-time           M-F         7:00am-6:30pm          $345/wk             $1,495/mos         $17,940/yr
    Half day-Mornings         M-F        7:00am-12:00pm          $225/wk              $975/mos          $11,700/yr
   Half day-5 Afternoons      M-F        1:30pm-6:30pm           $185/wk              $802/mos           $9,620/yr
   Half day-4 Afternoons     4days       1:30pm-6:30pm           $165/wk              $715/mos           $8,580/yr
                                           PRE-PRIMARY: 2 & 3 Year olds
          Full-time           M-F         7:00am-6:30pm          $300/wk             $1,300/mos         $15,600/yr
    Half day-Mornings         M-F        7:00am-12:00pm          $200/wk              $867/mos          $10,400/yr
   Half day-5 Afternoons      M-F        1:30pm-6:30pm           $160/wk              $670/mos           $8,320/yr
   Half day-4 Afternoons     4days       1:30pm-6:30pm           $145/wk              $629/mos           $7,540/yr
                                              PRIMARY: 3-6 Year olds
          Full-time           M-F         7:00am-6:30pm          $265/wk             $1,148/mos         $13,780/yr
    Half day-Mornings         M-F        7:00am-12:00pm          $175/wk              $758/mos           $9,100/yr
   Half day-5 Afternoons      M-F        1:30pm-6:30pm           $140/wk              $607/mos           $7,280/yr
   Half day-4 Afternoons     4days       1:30pm-6:30pm           $125/wk              $542/mos           $6,500/yr

                                                   Payment Schedule
                                We offer enrollment agreements for a 12-month period.
                           Payments can be made either in six or twelve equal installments.
                    For additional information, or if you have questions, please call (312) 828-0907
                          Thank you for your interest in the Montessori Academy of Chicago!




From: http://www.montessoriacademychicago.org/
                             Windy City Kids Daycare

                                      Attention Federal Employees!


 Windy City Kids Child Development Center has been operating since April 1999. It is a high quality,
 comprehensive and affordable child development program for children ages six weeks to five years. Windy
 City Kids’ goal is to provide a full-day child development program for all children, regardless of their need,
 to achieve independence, dignity and self-sufficiency. The program is located in the Harold Washington
 Social Security Center (HWSSC), 600 W. Madison St., in Chicago. Easter Seals has a five-year contract with
 the Employee Association at the HWSSC to manage their full-day child development program.


                                             Program Update

       Windy City Kids currently serves 74 children between the ages of six weeks and five years. The
        target is for at least fifty percent of enrollment to be children of federal employees.
       Windy City Kids was recently granted accreditation by the National Association for the Education of
        Young Children (NAEYC). This prestigious recognition has been achieved by only 7% of early
        childhood programs nationwide. NAEYC accreditation is a rigorous, voluntary process by which
        early childhood programs demonstrate that they meet national standards of excellence.
       Community outings have included Lincoln Park Zoo, Shedd Aquarium, Garfield Conservatory,
        Kiddleland, Grant Park, Navy Pier, which were funded by mini-grants from the HWSSC Employee
        Association.
       An annual graduation is held for children who turn five years of age.

                                    Enrollment slots are limited!
                                 Openings currently exist for children
                                       ages 6 weeks to age 5.



                                             Tuition per Week

           Infants -- $220.00
           Waddlers -- $180.00
           Toddlers -- $170.00
           Pre-Schoolers -- $161.00

                                           (Tuition assistance is available)



From http://www.ssa.gov/chicago/windycity.htm
From http://www.ssa.gov/chicago/windycity.htm
From http://www.ssa.gov/chicago/windycity.htm

				
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