Interest and Exponential Growth by fanzhongqing

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									F/V   Item                                Amt      How Paid   Red
V     Food & clothes                         800   credit
F     Johnson medical and dental ins       1001    auto
F     Property taxes                         333   auto
V     Cleaning service                         0   check
F     Language Training                        0   auto
V     Kid's club                               0   check
F     Piano Lessons                            0   auto
F     Kirk's LT disability                   130
F     Gas utility                            130   auto
F     Athletic Club                            0   auto
F     Auto/House Ins                         236   check
V     Entertainment & Unplanned              100   check
V     Health/Clothes Kirk                      0   credit
V     Health/Clothes Lisa                      0   credit
F     Pool maintenance cost                   80   check
v     Dog                                     23   check
V     Home child care                          0   check
V     Car gas                                  0   credit
V     Car repair                              83   credit
F     Cable                                   55   auto
F     Electric utility                       120   auto
F     Home repair fund                         0   cm
V     Phone                                   37   auto
F     Alex college fund                        0   cf
F     Aliya college fund                       0   cf
F     Artem college fund                       0   cf
F     Investing qualified (Kirk IRA)           0   cm
F     Investing unqualified                    0   sb
V     Cell                                    45   auto
F     Kirk's term insurance                   38   auto
F     Water utility                           35   auto
F     Garbage                                 20   bp
F     Domain (corp)                           20   auto
F     Lisa's term insurance                   18   auto
F     Periodicals                              4   check
F     Safe Box                                 2   auto
F     Amex Savings LIQUID                    300   auto
F     Bungalow taxes                         384   check
F     Bungalow rent cr                      -200
F     Bungalow water                          36
F     Bungalow Debt Minimum                  400   auto       Total Variable
F     Miscellaneous Slush                    100   check         583
      Total                                4331
      Total reduced by reductions above
       This color means potential of lowering
       This color means potentially lowered or if FT
       This means it is tax-deferred, on forecast
       On other sheet (see HomeLoan.xls)

                                                              Unit       Desc for Amt   Amt        Monthly
                                        Lochloy Prop taxes      0.0833   Yearly             4000         333
                                       Chicago Prop taxes       0.0833   Yearly             4608         384
                                                      Dogs      0.0833   Yearly             1000           83
                                                     Open            0                         0            0
                                                 Car repair     0.0833   Yearly             1000           83
                                                     Water      0.3333   Quarterly            90           30
                                                  Garbage       0.3333   Quarterly            70           23
                                                Periodicals     0.0833   Yearly               50            4
                                                  Safebox       0.0833   Yearly               25            2
                 Auto/House Ins, includes double bungalow       0.0833   Yearly           2828.5         236



                                                                                              Food & clothes
                                                                                              Johnson medical and dental ins
                                                                                              Property taxes
                                                                                              Cleaning service
                                                                                              Language Training
                                                                                              Kid's club
                                                                                              Piano Lessons
                                                                                              Kirk's LT disability
                                                                                              Gas utility
                                                                                              Athletic Club
                                                                                              Auto/House Ins
                                                                                              Entertainment & Unplanned
                                                                                              Health/Clothes Kirk
                                                                                              Health/Clothes Lisa
                                                                                              Pool maintenance cost
                                                                                              Dog
                                                                                              Home child care
                                                                                              Car gas
                                                                                              Car repair
                                                                                              Cable
                                                                                              Electric utility
                                                                                              Home repair fund
                                                                                              Phone
                                                                                              Alex college fund
                                                                                              Aliya college fund
                                                                                              Artem college fund
                                                                                              Investing qualified (Kirk IRA)
                                                                                              Investing unqualified
                                                                                              Cell
                                                                                              Kirk's term insurance
Total Variable                                                                                Water utility
                                                                                              Garbage
                            Yearly      0.0833
                            4x Month         4
                            Quarterly   0.3333




 ood & clothes
 ohnson medical and dental ins
Property taxes
Cleaning service
 anguage Training
Piano Lessons
Kirk's LT disability

Auto/House Ins
Entertainment & Unplanned
Health/Clothes Kirk
Health/Clothes Lisa
Pool maintenance cost
Home child care



Home repair fund
Alex college fund
Aliya college fund
Artem college fund
nvesting qualified (Kirk IRA)
nvesting unqualified
Kirk's term insurance
Income                                   Deduct as % of Income                 Monthly           Yearly               Deductions
Dollars per hour                  $92    Govt                         30.00%    $2,221          $26,646               Pre-tax        $10,980.00
Hours per year                   1200    Kirk IRA                      0.00%        $0               $0               People (?)        $10,000
Average per week                   23    529 Aliya                     0.00%        $0               $0               Total             $20,980
Gross Salary                 $109,800    529 Artem                     0.00%        $0               $0               Taxable Inc       $88,820
Gross Month Salary             $9,150    529 Alex                      0.00%        $0               $0               Tax Burden        $26,646
                                         Charity (AT)                 10.00%        $0          $10,980
Forecast                                 Add'l AT invest               0.00%        $0               $0
12 mos of Cash Mgmt            $46,800                           Var Exp:       $2,221          $26,646
Starting                          2002
Age (almost)                        37   Pre Disposable:         From above      $6,930         $83,154
Projected years                      2   Fixed Expenses:         Reference       $4,331         $51,969
Projected age & year   39 in year 2004   Cash Mgmt                               $3,900         $46,800
Kirk IRA                      $72,283    Disposable                             -$1,301        -$15,615
Lisa IRA                       $5,046
Kirk and Lisa IRA             $77,330    Aliya 529                                        Cash Mgmt                                 Kirk SEP
Kid IRAs                           $0    Start                            $0              Start                  $0                 Start           $6,455
House                        $324,581    Yearly pmt                       $0              Yearly pmt        $46,800                 Yearly pmt          $0
After Tax Stocks                   $0    Rate                         6.00%               Rate               4.00%                  Rate            6.00%
Cash Mgmt                     $95,472    FV                              $0               FV               $95,472                  FV             $7,253
Total                        $574,712
Minus House                  $250,131    Artem 529                                        House                                     Kirk IRA
                                         Start                            $0              Start            $303,000                 Start          $64,332
                                         Yearly pmt                       $0              Yearly pmt             $0                 Yearly pmt          $0
                                         Rate                         6.00%               Rate               3.50%                  Rate            6.00%
                                         FV                              $0               FV              $324,581                  FV            $72,283

                                         Alex 529                                         AT Stocks                                 Lisa IRA
Key                                      Start                            $0              Start              $2,651                 Start           $4,491
Blue is tax related                      Yearly pmt                       $0              Yearly pmt             $0                 Yearly pmt          $0
Pink is editable                         Rate                         6.00%               Rate               5.00%                  Rate            6.00%
Red is calc or pulled from elsewhere     FV                              $0               FV                $2,923                  FV             $5,046
Transaction Log for Double Bungalow 2003


INCOME                                   EXPENSES                                                     NOTES
Total:      $20,530.00                   Total:  $25,387.04                                                   1 Find out how much insurance I spent
                                                                                                              2 Log receipts
Date        Amount       Description     Date      Amount    Description
                                         LANDSCAPING
   6-Jan     $1,150.00   MO                28-May    $755.00 Gardens by Terri
  13-Jan     $1,150.00   ET                 24-Jun   $185.00 Gardens by Terri
  18-Feb     $1,150.00   MO                          $940.00
  18-Feb     $1,150.00   ET                                                                          MILES
  11-Mar     $1,150.00   MO              REFUNDS TO RENTERS                                          Mileage          0.325
  11-Mar     $1,150.00   ET                13-Jun    $113.00 Refund for tenter; sign-up for auto pay Reduction:     $78.00
   1-Apr     $1,150.00   MO                 8-Jan    $100.00 Melissa, discount for auto bill
   8-Apr     $1,150.00   ET                          $213.00                                         Date        Distance     Description
   1-May     $1,150.00   MO                                                                              14-Jan          16   Shovel, de-ice
   6-May     $1,150.00   ET              MORTGAGE PAYMENTS                                               18-Jan          16   Shovel, de-ice
   2-Jun     $1,150.00   ET                13-Jan $1,622.06 Mortgage                                      4-Feb          16   Filters
   2-Jun         $0.00   rent (vacant)     11-Feb $1,622.06 Mortgage                                     14-Apr          16   Cleaning
    1-Jul        $0.00   rent (vacant)     12-Mar $1,622.06 Mortgage                                    15-May           16   Garden prep
    1-Jul        $0.00   rent (vacant)     10-Apr $1,622.06 Mortgage                                    28-May           16   Yardwork
   1-Aug      $900.00    RW (deposit)       9-May $1,622.06 Mortgage                                     12-Jun          16   Yardwork
   1-Aug      $900.00    RW                10-Jun $1,622.06 Mortgage                                     30-Jun          16   Yardwork
   1-Oct     $1,070.00   BH (deposit)        9-Jul $1,622.06 Mortgage                                      2-Jul         16   Potential tenant
   1-Oct     $1,070.00   BH                11-Aug $1,622.06 Mortgage                                       6-Jul         16   Potential tenant
   1-Oct      $900.00    RW                 9-Sep $1,622.06 Mortgage                                      10-Jul         16   Potential tenant
   1-Nov     $1,070.00   BH                12-Oct $1,622.06 Mortgage                                      11-Jul         16   Potential tenant
   1-Dec      $900.00    RW                12-Nov $1,622.06 Mortgage                                      16-Jul         16   Potential tenant
   1-Dec     $1,070.00   RW                10-Dec $1,622.06 Mortgage                                      20-Jul         16   Yardwork
            $20,530.00                             $19,464.72                                             29-Jul         16   Yardwork
                                                                                                                        240
                                         PROPERTY TAX
                                           15-May $1,556.05 Property tax
                                           15-Oct $1,556.05 Property tax
                                                    $3,112.10

                                         HANDY SERVICES
                                            8-Jan   $65.02 Saw's all construction
                                            3-Feb  $727.35 Saw's all construction
                                           24-Feb   $82.29 Saw's all construction
                                                   $874.66

                                         WATER
                                            6-Jan       $78.54   water
                                           24-Feb       $82.29   water
                                           10-Mar       $93.68   water
                                           16-Apr       $93.68   water
                                            8-May       $99.99   water
                                           24-Jun       $99.17   water
                                            2-Oct      $147.02   water
                                            5-Dec       $88.19   water
                                                       $782.56
KEY MEASURES                  January-04   December-03    November-03

Net Worth                       $319,217      $318,133       $311,178
Net worth delta                    1,084         6,955
Total debt                      $856,500      $849,160       $866,133
Debt delta                        -7,340        16,973
Total equity                    $159,171      $154,760       $150,277
Equity delta                       4,411         4,483
Emergency LOC                    108,500       106,243        104,443

ASSETS
Cash
Checking Account                   8,000         4,409         11,371
Business Checking Account         20,000        28,783         37,290
Cash Management Account           16,000         4,441          3,538
Kirk's Non-Qualified Stocks        2,300         2,334          2,207
                                  46,300        39,967         54,406
Physical
Personal Property                 27,600        27,600         27,600
Auto                               1,500         1,500            500
Fine Art                          15,850        15,850         15,850
                                  44,950        44,950         43,950
Qualified Funds
Kirk's IRA                        68,496        68,407         66,649
Lisa's IRA                         4,500         4,583          4,510
Kirk's SEP                         7,300         7,303          7,796
                                  80,296        80,293         78,955
Real Estate
Lochloy Value 9/2003             642,669        641,333        640,000
Chicago Value 9/2003             361,502        360,750        360,000 IR Apprec.
                               1,004,171      1,002,083      1,000,000
Total                          1,175,717      1,167,293      1,177,311
LIABILITIES
Miscellaneous
Credit Card (Visa)                 2,500         1,837          1,410
Special Upcoming Invoices          4,000             0         15,000
Estimated Tax (State)              5,000             0              0
                                  11,500         1,837         16,410
Loans
Car loan                               0             0              0
Equity Line for Lochloy 1         64,000        64,000         64,000
Equity Line for Lochloy 2        152,000       153,757        155,557
Equity Line for Chicago           60,000        60,000         60,000
Mortgage Balance Lochloy         313,000       313,316        313,657    811045129
Mortgage Balance Chicago         256,000       256,250        256,509    811028905
                                 845,000       847,323        849,723 total
Total                      856,500     849,160     866,133
Debt delta                  -7,340      16,973
MEASURES
Net Worth                319,217     318,133     311,178
Net worth delta              1,084       6,955
Debt/Assets Ratio           0.7285      0.7275      0.7357
Gap from High Point       -168,425    -169,509    -176,464

Owe Lochloy                529,000     531,073     533,214
Owe Chicago                316,000     316,250     316,509
Total Mortgage Debt        845,000     847,323     849,723

Equity Lochloy             113,669     110,260     106,786
Equity Chicago              45,502      44,500      43,491
Total equity               159,171     154,760     150,277
Equity delta                 4,411       4,483
LTV                        84.15%      84.56%      84.97%

Kirk Weight                   205         214         209
Lisa Weight                   183         183         183
Kirk Remaining                 49          58          53
Lisa Remaining                 48          48          48

Income (Gross)
Kirk GMAC                                                0
Kirk Other                                               0
Kirk UoP                                             1,174
Lisa                                                    90
                                                     1,264
Expenses
Visa Total                                           8,358
All Checks Written                                  88,441
                                0           0       96,799
Cash Flow                                          -95,535

EMERGENCY CREDIT
Equity Line (Open) for           0           0           0
Lochloy 1 (Open) for
Equity Line                 88,500      86,243      84,443
Lochloy 2 (Open) for
Equity Line                      0           0           0
Chicago Line of Credit
Personal                    20,000      20,000      20,000
                           108,500     106,243     104,443
   2.50%




Principal Reduction
     2,003      2,004
dec        jan        mar
       341
       259
       600
Hi Net Worth:   $487,642 Period:   Jan-03
           LOCHLOY                                                                         BUNGALOW
           Appreciation     4.50% Yearly Inc. Monhtly     Age        Alex        Owe
November                                                                                 November
    2003         $640,000       0                               39           8               2003
    2004         $668,800       1    $28,800     $2,400         40           9               2004
    2005         $698,896       2    $30,096     $2,508         41          10               2005
    2006         $730,346       3    $31,450     $2,621         42          11               2006
    2007         $763,212       4    $32,866     $2,739         43          12               2007
    2008         $797,556       5    $34,345     $2,862         44          13               2008
    2009         $833,446       6    $35,890     $2,991         45          14               2009
    2010         $870,952       7    $37,505     $3,125         46          15               2010
    2011         $910,144       8    $39,193     $3,266         47          16               2011
    2012         $951,101       9    $40,956     $3,413         48          17               2012
    2013         $993,900      10    $42,800     $3,567         49          18    258253     2013
    2014       $1,038,626      11    $44,726     $3,727         50          19               2014
    2015       $1,085,364      12    $46,738     $3,895         51          20               2015
    2016       $1,134,206      13    $48,841     $4,070         52          21               2016
    2017       $1,185,245      14    $51,039     $4,253         53          22               2017
    2018       $1,238,581      15    $53,336     $4,445         54          23               2018
    2019       $1,294,317      16    $55,736     $4,645         55          24               2019
    2020       $1,352,561      17    $58,244     $4,854         56          25               2020

                                                                     10-year eq $735,647




HOUSE IF WE DIDN"T CHANGE                                                                  RENT
         Appreciation   3.00% Yearly Inc. Monhtly  Age               Alex
November                                                                                   November
    2003      $400,000       0                                  39           8                 2003
    2004      $412,000       1 $12,000      $1,000              40           9                 2004
    2005      $424,360       2 $12,360      $1,030              41          10                 2005
    2006      $437,091       3 $12,731      $1,061              42          11                 2006
    2007      $450,204       4 $13,113      $1,093              43          12                 2007
    2008      $463,710       5 $13,506      $1,126              44          13                 2008
    2009      $477,621       6 $13,911      $1,159              45          14                 2009
    2010      $491,950       7 $14,329      $1,194              46          15                 2010
    2011      $506,708       8 $14,758      $1,230              47          16                 2011
    2012      $521,909       9 $15,201      $1,267              48          17                 2012
    2013      $537,567      10 $15,657      $1,305              49          18                 2013
    2014      $553,694      11 $16,127      $1,344              50          19                 2014
    2015      $570,304      12 $16,611      $1,384              51          20                 2015
    2016      $587,413      13 $17,109      $1,426              52          21                 2016
    2017      $605,036      14 $17,622      $1,469              53          22                 2017
    2018      $623,187      15 $18,151      $1,513              54          23                 2018
    2019      $641,883      16 $18,696      $1,558              55          24                 2019
    2020      $661,139      17 $19,256      $1,605              56          25                 2020
BUNGALOW                                                                                   Combined Asset
       Appreciation     3.00% Yearly Inc. Monhtly        Age        Alex        Owe

           $360,000         0                                  39           8                  $1,000,000
           $370,800         1    $10,800       $900            40           9                  $1,039,600
           $381,924         2    $11,124       $927            41          10                  $1,080,820
           $393,382         3    $11,458       $955            42          11                  $1,123,728
           $405,183         4    $11,801       $983            43          12                  $1,168,395
           $417,339         5    $12,155     $1,013            44          13                  $1,214,895
           $429,859         6    $12,520     $1,043            45          14                  $1,263,305
           $442,755         7    $12,896     $1,075            46          15                  $1,313,706
           $456,037         8    $13,283     $1,107            47          16                  $1,366,182
           $469,718         9    $13,681     $1,140            48          17                  $1,420,819
           $483,810        10    $14,092     $1,174            49          18    219722        $1,477,710
           $498,324        11    $14,514     $1,210            50          19                  $1,536,950
           $513,274        12    $14,950     $1,246            51          20                  $1,598,638
           $528,672        13    $15,398     $1,283            52          21                  $1,662,878
           $544,532        14    $15,860     $1,322            53          22                  $1,729,777
           $560,868        15    $16,336     $1,361            54          23                  $1,799,449
           $577,694        16    $16,826     $1,402            55          24                  $1,872,011
           $595,025        17    $17,331     $1,444            56          25                  $1,947,586

                                                                                $264,088


                          900       1070      1970


         Appreciation   3.00% Yearly Inc. Monhtly        Age        Alex

              $1,970        0                                  39           8
              $2,029        1        $59            $5         40           9
              $2,090        2        $61            $5         41          10
              $2,153        3        $63            $5         42          11
              $2,217        4        $65            $5         43          12
              $2,284        5        $67            $6         44          13
              $2,352        6        $69            $6         45          14
              $2,423        7        $71            $6         46          15
              $2,496        8        $73            $6         47          16
              $2,570        9        $75            $6         48          17
              $2,648       10        $77            $6         49          18
              $2,727       11        $79            $7         50          19
              $2,809       12        $82            $7         51          20
              $2,893       13        $84            $7         52          21
              $2,980       14        $87            $7         53          22
              $3,069       15        $89            $7         54          23
              $3,161       16        $92            $8         55          24
              $3,256       17        $95            $8         56          25
Monthly Apprec Yearly



        $3,300   $39,600
        $3,435   $41,220
        $3,576   $42,908
        $3,722   $44,667
        $3,875   $46,500
        $4,034   $48,410
        $4,200   $50,401
        $4,373   $52,475
        $4,553   $54,638
        $4,741   $56,891
        $4,937   $59,240
        $5,141   $61,688
        $5,353   $64,240
        $5,575   $66,899
        $5,806   $69,672
        $6,047   $72,562
        $6,298   $75,575
27000       FT

 0.45       Percent for 2 days

12150       Lisa's salary




   2    5        40.00%
car                                        20000
equity line percent                         0.057
yearly payment                               1140
monthly payment                                95



Lines of Credit with IRA PayBack           219557
Equity Line on Bungalow                     50000
Total                                                269557
Primary Loan                                         314000
Grand Total                                          583557




                                                               400
                                   50000
                                            0.041       2050
                                                          12
                                                    170.8333
12   4800   7   33600
business taxes              0.90
heath care per year       12,000

      172 hours this month
    74.10             Income Net before taxes Month    Give Net 10% Macro Exp
   12,708         12 152,498           125,248  10,437         9,394        7,400
              2,058

      160 avg hours expected per month
    74.10
   11,856         12 142,272                     116,045   9,670        8,703    7,400
               1,920

                                   UoP                       350
                                   Renter                      0
                                   Lisa (fall)             1,000                 2003
                                                           1,350                 2004
               9.62%                                                             2005
     1994          0         175                                                 2006
     1995          1         192                                                 2007
     1996          2         210                                                 2008
     1997          3         231                                                 2009
     1998          4         253                                                 2010
     1999          5         277
     2000          6         304
     2001          7         333
     2002          8         365
     2003          9         400


                                  Help
                       Business Ideas support in evenings                  20      20
                                  Capella                     call on Monday
                                  Entrepreneur with others    Christine's idea
                                  Logan products/services
                                  Rental income (garage, basement)
Debt Reduce Lo avg                Hi
          1,994           2,669          3,344

                                                       52      weeks
                                                       40      hours per week
                                                    2,080      hours for all weeks in a year
         1,303            1,978          2,653      1,920      hours worked if 160 hours per week
                                                      160      hours off
                                                       20      days

         4.00% H value            Positive
             0             640                  DR
                                  hood, copper top Year
             1             666    plants, stain            1      23,740
             2             692    shed, tile               2      47,481
             3             720    stained glass            3      71,221
             4             749    sound system             4      94,961
             5             779    built-ins                5     118,702
             6             810    TBD                      6     142,442
             7             842    TBD                      7     166,182
                                                           8     189,923
                                                           9     213,663
                                                          10     237,403


                         60,000              0      2,400             12        200

           400
  $350,000           Chicago
  $650,000           Lochloy
$1,000,000   1.25%                    Month         Year          Accum
        39    2003      $1,000,000
        40    2004      $1,012,500      $1,042         $12,500 $12,500
        41    2005      $1,025,156      $1,055         $12,656 $25,156
        42    2006      $1,037,971      $1,068         $12,814 $37,971
        43    2007      $1,050,945      $1,081         $12,975 $50,945
        44    2008      $1,064,082      $1,095         $13,137 $64,082
        45    2009      $1,077,383      $1,108         $13,301 $77,383
        46    2010      $1,090,850      $1,122         $13,467 $90,850
        47    2011      $1,104,486      $1,136         $13,636 $104,486
        48    2012      $1,118,292      $1,151         $13,806 $118,292
        49    2013      $1,132,271      $1,165         $13,979 $132,271




   $24,000           Lisa
    45.00%
   $10,800   1.50%                    Month         Year          Gross Month
              2003          $10,800                                   $900
              2004          $10,962           $13          $162       $914
              2005          $11,126           $14          $164       $927
              2006          $11,293           $14          $167       $941
              2007          $11,463           $14          $169       $955
              2008          $11,635           $14          $172       $970
              2009          $11,809           $15          $175       $984
              2010          $11,986           $15          $177       $999
              2011          $12,166           $15          $180     $1,014
              2012          $12,349           $15          $182     $1,029
              2013          $12,534           $15          $185     $1,044
              Kirk
    $92,000                                                            Bonus
      1.50%                     Month         Year          Gross Month       5.00% Month
       2003           $92,000                                   $7,667       $4,600
       2004           $93,380          $115     $1,380          $7,782       $4,669
       2005           $94,781          $117     $1,401          $7,898       $4,739     $395
       2006           $96,202          $118     $1,422          $8,017       $4,810     $401
       2007           $97,645          $120     $1,443          $8,137       $4,882     $407
       2008           $99,110          $122     $1,465          $8,259       $4,956     $413
       2009          $100,597          $124     $1,487          $8,383       $5,030     $419
       2010          $102,106          $126     $1,509          $8,509       $5,105     $425
       2011          $103,637          $128     $1,532          $8,636       $5,182     $432
       2012          $105,192          $130     $1,555          $8,766       $5,260     $438
       2013          $106,770          $131     $1,578          $8,897       $5,338     $445




Combined    UoP                 Bsmt          Bonus         Month      Year
     $8,567                $0            $0            $0       $8,567    $102,800
     $8,695                $0            $0            $0       $8,695    $104,342
     $8,826                $0            $0          $395       $9,221    $110,646
     $8,958                $0            $0          $401       $9,359    $112,306
     $9,092                $0            $0          $407       $9,499    $113,990
     $9,229                $0            $0          $413       $9,642    $115,700
     $9,367                $0            $0          $419       $9,786    $117,436
     $9,508                $0            $0          $425       $9,933    $119,197
     $9,650                $0            $0          $432      $10,082    $120,985
     $9,795                $0            $0          $438      $10,233    $122,800
     $9,942                $0            $0          $445      $10,387    $124,642
Date          Gross    Net          Avg Monthly Net Target   Better (+) / Poorer (-) Comment


       2004



       2003 $6,652 $6,081                     $507    $350          $157          Great job!
12/23/2002   $752   $695
 2/10/2003   $388   $358
 3/10/2003   $752   $695
 4/25/2003   $388   $358
 5/23/2003   $752   $695
 6/25/2003   $388   $358
 7/25/2003   $752   $695
 9/10/2003   $388   $358
10/10/2003   $752   $695
11/25/2003 $1,340 $1,175


       2002 $3,050 $2,804                     $234     350          -$116         1st year, partial
    8/9/02      $323         $298
   7/10/02      $950         $865
   6/10/02      $627         $579
   5/24/02      $200         $185
   5/10/02      $323         $298
   4/10/02      $627         $579
                                                                                                                                                                                                     Increase RE 3%
                                                                                                                                                             W/O Project
Home Value                        Cost Categories         Plan             Spent     Balance TO PAY           Confidence     Actual        Variance %        Assets (RE)               Asset       Year 2     Increase
Value                  $395,000   Pool/spa:                   $47,495        $47,495                     $0   High           n/a           tbd               5276 Lochloy                 $395,000    $406,850 $11,850
Percent                 80.00%    Landscaping:                $73,055        $52,755                     $0   High           n/a           tbd               5440 Chicago                 $350,000    $360,500 $10,500
Loan                   $316,000   Remodel:                         $0             $0                     $0   Low            n/a           tbd               Total                        $745,000    $767,350 $22,350
                                  Exterior:                    $5,000         $5,000                     $0   Low            n/a           tbd
                                  Furnishings:                     $0             $0                     $0   Low            n/a           tbd               Debt (RE)
FYI House Debt         $535,557   October Remaining           $14,535             $0                $14,535   Low            n/a           tbd               5276                          $80,000
                                  Total Cost:                $140,085       $105,250                $14,535                                                  5440                         $260,000
                                                                                                                                                                                          $340,000
                                                                                                                                                             Net Worth (RE)               $405,000
                                  Current Funds                  $15,000                                                                                     Debt/Assets Ratio             45.64%
LOC Balances                      Minus remaining                $14,535
Big                    $155,557   Surplus/Deficit:                 $465                                                                                      With Project
Little                  $64,000   Old LOC (64)                        $0                                                                                     Assets (RE)
Personal                     $0   New LOC (120)                       $0                                                                                     5276 Lochloy                 $650,000      $669,500   $19,500
Payback IRA after EL         $0   Bungalow LOC (60)                  $0
Total                  $219,557   Personal LOC (20)                  $0                                                                                      5440 Chicago                $350,000      $360,500    $10,500
FYI House EL           $219,557   Total LOC Open                     $0                                                                                      Total                      $1,000,000    $1,030,000   $30,000
                                  Gap ( >0 is OK):                 $465                                            $1,844 Mort
New Home Value         $650,000                                                                                    $1,281 HELOC (%)                          Debt (RE)
% $ Increase:          182.03%                                                       Monthly Pmt                   $3,125                                    5276                         $535,557
HOUSE Debt             $535,557                                                                                                                              5440                         $260,000
Debt Percent:           82.39%    INCOME                                                                                                                                                  $795,557
Equity FYI             $114,443   Kirk's Salary                   $7,363                                                                                     Net Worth (RE)               $204,443
                                  Lochloy rental suite                $0             Kirk Salary                                       $95 client            Debt/Assets Ratio             79.56%
                                  Kirk's Supp                         $0             Client Rate                     74.1             0.78 H&A
                                  Lisa job                            $0             Monthly hours                  150.0             74.1 Me
Emerg Sources                     Kirk's UOP (6/year)              $300              Yearly Rev H&A              $133,380
Personal LOC                $0                                    $7,663             % earn                          92% FICA
VISA                        $0                                                       My annual income            $122,710                             $86
                                  EXPENSES                                 Years:    My tax                          28%                              0.78
                                  House Payments                  $3,125             My monthly net              7362.576                           $67.08                    50000
Other sources:                    Other expenses                      $0                                                                                                      64000
Retirement                   0    Total Living Expenses           $4,331                                                                                                     120000
                 0.8         0                                    $7,456             LOC Total                    $219,557                                                   234000
Total Emerg                 $0                                                       Percent of 316,000            69.48%                                                     0.0575
                                  Net INC - EXP:                   $206              316,000 Payment                $1,844                                                    13455
                                                                                     LOC Payment                 $1,281.21                                                        12
                                                                                     Months                             12                                                  1121.25
                                  Months on EL                       0.0             Monthly Cost                   $1,281
                                  Emerg                              0.0
                                  Total months                       0.0
                                  Total years                        0.0
                                                                                     Savings per year            $2,477.82
                                  Note: 12/2003 HEL pmt             633                                   3      $7,433.45
                                                                                                          5     $12,389.08
                                                                                                          7     $17,344.71
                                                                                                                                                                                                                   Increase RE 3%
                                                                                                                                                                        W/O Project
Home Value                        Cost Categories         Plan              Spent      Balance TO PAY                Confidence     Actual         Variance %           Assets (RE)               Asset       Year 2      Increase
Value                  $395,000   Pool/spa:                   $47,495          $47,495                     $0        High           n/a            tbd                  5276 Lochloy                 $395,000    $406,850   $11,850
Percent                 80.00%    Landscaping:                $73,055          $52,755                 $6,342        High           n/a            tbd                  5440 Chicago                 $350,000    $360,500   $10,500
Loan                   $316,000   Remodel:                         $0               $0                     $0        Low            n/a            tbd                  Total                        $745,000    $767,350   $22,350
                                  Exterior:                    $5,000           $5,000                     $0        Low            n/a            tbd
                                  Furnishings:                     $0               $0                     $0        Low            n/a            tbd                  Debt (RE)
FYI House Debt         $493,000   October Remaining           $14,535               $0                $14,535        Low            n/a            tbd                  5276                           $80,000
                                  Total Cost:                $140,085         $105,250                $20,877                                                           5440                          $260,000
                                                                                                                                            95                                                        $340,000
                                                                                                                                          0.78                          Net Worth (RE)                $405,000
                                  Current Funds                   $10,000                                                               $74.10                          Debt/Assets Ratio              45.64%
LOC Balances                      Minus remaining                 $20,877
Big                    $115,000   Surplus/Deficit:               -$10,877                Kirk's IRA                      $65,000                                        With Project
Little                  $62,000   Old LOC (64)                     $1,000                90 Percent                      $58,500                                        Assets (RE)
Personal                $15,000   New LOC (120)                    $5,000                Minus Gap                       $15,123                                        5276 Lochloy                  $775,000        $798,250   $23,250
Bungalow                $50,000   Bungalow LOC (60)               $5,000                 Leftover:                    $73,623                $10
Total                  $242,000   Personal LOC (20)              $15,000                                                                                                5440 Chicago                  $350,000        $360,500   $10,500
FYI House EL           $177,000   Total LOC Open                 $26,000                                                                                                Total                       $1,125,000      $1,158,750   $33,750
                                  Gap ( >0 is OK):               $15,123                                                  $1,844 Mort
New Home Value         $775,000                                                                                           $1,160 HELOC (%)                              Debt (RE)
% $ Increase:          271.26%                                                           Monthly Pmt                      $3,004                                        5276                          $493,000
HOUSE Debt             $493,000                                                                                                                                         5440                          $260,000
Debt Percent:           63.61%    INCOME                                    Yearly                                                                       $92 21.97%                                   $753,000
Equity FYI             $282,000   Kirk's Salary                   $7,239       $86,864                                                                   $71        Net Worth (RE)                    $372,000
80% of Equity          $225,600   Lochloy rental suite                $0            $0   Kirk Salary                                                                Debt/Assets Ratio                  66.93%
New LOC                $225,600   Kirk's Supp                         $0            $0   Client Rate                            0 Hours workedVacation weeks
                                  HealthCare Credit                  750            $0   Monthly hours                        0.0         0.0           52.0
Emerg Sources                     Lisa job                            $0        $3,600   Yearly Rev H&A                  $92,000
Personal LOC                $0    Kirk's UOP (6/year)               $300       $99,464   % bonus                            110% Deductions
VISA                        $0                                    $8,289                 My annual income               $101,200     $50,000             $86
                                                                            Years:       My tax                              28%                        0.78
                                                                                         My monthly pretax           8433.333333                      $67.08                         50000
Other sources:                    EXPENSES                                               taxable                         $51,200                                                     64000
Retirement                   0    House Payments                  $3,004                 tax                             $14,336                                                    120000
                 0.8         0    HELOC Amort                       $300                 Monthly post tax              $7,238.67                                                    234000
Total Emerg                 $0    Total Living Expenses           $4,331                                                                                                            0.0575
                                                                  $7,634                 LOC Total                      $242,000                                                     13455
                                                                                         IR                                5.75%                                                        12
                                  Net INC - EXP:                    $654                 Yearly Cost                     $13,915                                                   1121.25
                                                                                         Months                                12
                                                                                         Monthly Cost                     $1,160
                                  Months on EL                       29.6
                                  Emerg                               0.0 Savings per year @ %                                      Tithe       Percent increase: 4.00% Equity                    My age in fall
                                  Total months                       29.6         0.9                    $7,065.41      $7,850.45       $785.05       $775,000     2003                $282,000              39
                                  Total years                         2.5           2                   $14,130.81     $15,700.91                     $806,000     2004                $313,000              40
                                                                                    3                   $21,196.22     $23,551.36                     $838,240     2005                $345,240              41
                                                                                    4                   $28,261.63     $31,401.81                     $871,770     2006                $378,770              42
                                                                                    5                   $35,327.04     $39,252.26                     $906,640     2007                $413,640              43
                                                                                    6                   $42,392.44     $47,102.72                     $942,906     2008                $449,906              44
                                                                                    7                   $49,457.85     $54,953.17                     $980,622     2009                $487,622              45
                                                                                    8                   $56,523.26     $62,803.62                   $1,019,847     2010                $526,847              46
                                                                                    9                   $63,588.67     $70,654.07                   $1,060,641     2011                $567,641              47
To Pay:                                                                                                               Cab Cost
Tile                              $0                       Other:                                                        24980
Fireplaces       PAID                                      Granite                               $0                           0
Floyd Balance                 $2,600 was 1723              Cabinets       PAID                                           24980 Total Price
Floors for Dan                $9,000                       Stone                                 $0
Pergola                       $1,300                       Shed Roof      PAID                                        Cab Paid
Other                         $1,135                       SPS            PAID                                             7494 Cabs
Design Time                     $500                       Sprinkler      PAID                                           2121.6 Pergola
                             $14,535                       Vent-a-Hood                          $0                         5000 Partial
                                                           Red Lake Shed Doors                $385                         3000 partial
                                                           Garage Floor                       $750                      17615.6
Items to Complete                                          Total                            $1,135                    Balance:           0
Plumbing                                                                                                                       0     12006
               2 baths (toilet and sink and shower finish)                                                            12006 was the balance, but no quality, no calls returned to Christine.
               Lower kitchen sink
Electrical
               Finish all work: Kirk/Lisa to prepare list for electrician prior to him coming back
HVAC
               Air exchanger
               Furnace zone hookup                                                   TILE FOR FUTURE REFERENCE
               Garage heater                                                                       13300
Trim                                                                                 Shipping
               Base                                                                  Tax
               Door/window                                                                                     1330
               Repair/replace upstairs                                                                     15580.95
Paint/Stain
               All rooms except bedrooms upstairs (Kirk will repair those)
               Stain next spring exterior
               Stain trim inside
Shed
               Roof/fascia/gutters/soffit: $2400 extra
               windows, siding, install doors
               Interior floor for storage over equipment
               Interior electrical
               Interior drywall + paint (main area, not eqiupment room)
               Soffit lights
               Heat/cool sources?
               Floor?
Tile
               Foyer bath shower
               Basemetn bath shower
               Basement bath floor

Misc
               Garage doors weatherstrip
               Hang doors
               Install screens (why 2 boxes)?
               Contact Mike Ellingson for damaged doors/windows
               re-attach window treatments (all bedrooms/master bath and LR window)
Front Door Pergola
               Dan to do this, $1000
               $300 estimate for arc
                                                                                                                                                                                                                       Increase RE 3%
                                                                                                                                                                            W/O Project
Home Value                        Cost Categories         Plan              Spent      Balance TO PAY                 Confidence     Actual         Variance %              Assets (RE)               Asset       Year 2      Increase
Value                  $395,000   Pool/spa:                   $47,495          $47,495                     $0         High           n/a            tbd                     5276 Lochloy                 $395,000    $406,850   $11,850
Percent                 80.00%    Landscaping:                $73,055          $52,755                 $6,342         High           n/a            tbd                     5440 Chicago                 $350,000    $360,500   $10,500
Loan                   $316,000   Remodel:                         $0               $0                 $9,000         Low            n/a            tbd                     Total                        $745,000    $767,350   $22,350
                                  Exterior:                    $5,000           $5,000                     $0         Low            n/a            tbd
                                  Furnishings:                     $0               $0                     $0         Low            n/a            tbd                     Debt (RE)
FYI House Debt         $493,000   October Remaining           $14,535               $0                $14,535         Low            n/a            tbd                     5276                           $80,000
                                  Total Cost:                $140,085         $105,250                $29,877                                                               5440                          $260,000
                                                                                                                                                                                                          $340,000
                                                                                                                                                                            Net Worth (RE)                $405,000
                                  Current Funds                   $10,000                                                                                                   Debt/Assets Ratio              45.64%
LOC Balances                      Minus remaining                 $29,877
Big                    $115,000   Surplus/Deficit:               -$19,877                Kirk's IRA                       $65,000                                           With Project
Little                  $62,000   Old LOC (64)                     $1,000                90 Percent                       $58,500                                           Assets (RE)
Personal                $15,000   New LOC (120)                    $5,000                Minus Gap                         $6,123                                           5276 Lochloy                  $775,000        $798,250   $23,250
Bungalow                $50,000   Bungalow LOC (60)               $5,000                 Leftover:                     $64,623                $19
Total                  $242,000   Personal LOC (20)              $15,000                                                                                                    5440 Chicago                  $350,000        $360,500   $10,500
FYI House EL           $177,000   Total LOC Open                 $26,000                                                                                                    Total                       $1,125,000      $1,158,750   $33,750
                                  Gap ( >0 is OK):                $6,123                                                   $1,844 Mort
New Home Value         $775,000                                                                                            $1,160 HELOC (%)                                 Debt (RE)
% $ Increase:          271.26%                                                           Monthly Pmt                       $3,004                                           5276                          $493,000
HOUSE Debt             $493,000                                                                                                                                             5440                          $260,000
Debt Percent:           63.61%    INCOME                                    Yearly                                                                                                                        $753,000
Equity FYI             $282,000   Kirk's Salary                   $7,800       $93,600                                                                                      Net Worth (RE)                $372,000
80% of Equity          $225,600   Lochloy rental suite                $0            $0   Kirk Salary                                                                        Debt/Assets Ratio              66.93%
New LOC                $225,600   Kirk's Supp                         $0            $0   Client Rate                           80 Hours workedVacation weeks
                                  Lisa job                            $0            $0   Monthly hours                      150.0     1,800.0            7.0
Emerg Sources                     Kirk's UOP (6/year)               $300        $3,600   Yearly Rev H&A                  $144,000
Personal LOC                $0                                    $8,100       $97,200   % earn                             100%
VISA                        $0                                                           My annual income                $144,000                        $86
                                  EXPENSES                                  Years:       My tax                              35%                        0.78
                                  House Payments                  $3,004                 My monthly net                      7800                     $67.08                                  50000
Other sources:                    Other expenses                      $0                                                                                                                      64000
Retirement                   0    Total Living Expenses             $400                                                                                                                     120000
                 0.8         0                                    $3,404                 LOC Total                       $242,000                                                            234000
Total Emerg                 $0                                                           IR                                5.75%                                                             0.0575
                                  Net INC - EXP:                  $4,696                 Yearly Cost                      $13,915                                                             13455
                                                                                         Months                                12                                                                12
                                                                                         Monthly Cost                      $1,160                                                           1121.25
                                  Months on EL                       66.3
                                  Emerg                               0.0
                                  Total months                       66.3
                                  Total years                         5.5                Savings per year @ %                                       Percent increase: 4.00% Equity                    My age in fall
                                                                                                                0.8     $45,084.74                        $775,000     2003                $282,000              39
                                                                                                                  2     $90,169.47                        $806,000     2004                $313,000              40
                                                                                                                  3    $135,254.21                        $838,240     2005                $345,240              41
                                                                                                                  4    $180,338.94                        $871,770     2006                $378,770              42
                                                                                                                  5    $225,423.68                        $906,640     2007                $413,640              43
                                                                                                                  6    $270,508.42                        $942,906     2008                $449,906              44
                                                                                                                  7    $315,593.15                        $980,622     2009                $487,622              45
                                                                                                                  8    $360,677.89                      $1,019,847     2010                $526,847              46
                                                                                                                  9    $405,762.62                      $1,060,641     2011                $567,641              47
                                                                                                                                                                                                                       Increase RE 3%
                                                                                                                                                                            W/O Project
Home Value                        Cost Categories         Plan              Spent      Balance TO PAY                 Confidence     Actual         Variance %              Assets (RE)               Asset       Year 2      Increase
Value                  $395,000   Pool/spa:                   $47,495          $47,495                     $0         High           n/a            tbd                     5276 Lochloy                 $395,000    $406,850   $11,850
Percent                 80.00%    Landscaping:                $73,055          $52,755                 $6,342         High           n/a            tbd                     5440 Chicago                 $350,000    $360,500   $10,500
Loan                   $316,000   Remodel:                         $0               $0                 $9,000         Low            n/a            tbd                     Total                        $745,000    $767,350   $22,350
                                  Exterior:                    $5,000           $5,000                     $0         Low            n/a            tbd
                                  Furnishings:                     $0               $0                     $0         Low            n/a            tbd                     Debt (RE)
FYI House Debt         $493,000   October Remaining           $14,535               $0                $14,535         Low            n/a            tbd                     5276                           $80,000
                                  Total Cost:                $140,085         $105,250                $29,877                                                               5440                          $260,000
                                                                                                                                                                                                          $340,000
                                                                                                                                                                            Net Worth (RE)                $405,000
                                  Current Funds                   $10,000                                                                                                   Debt/Assets Ratio              45.64%
LOC Balances                      Minus remaining                 $29,877
Big                    $115,000   Surplus/Deficit:               -$19,877                Kirk's IRA                       $65,000                                           With Project
Little                  $62,000   Old LOC (64)                     $1,000                90 Percent                       $58,500                                           Assets (RE)
Personal                $15,000   New LOC (120)                    $5,000                Minus Gap                         $6,123                                           5276 Lochloy                  $750,000        $772,500   $22,500
Bungalow                $50,000   Bungalow LOC (60)               $5,000                 Leftover:                     $64,623                $19
Total                  $242,000   Personal LOC (20)              $15,000                                                                                                    5440 Chicago                  $350,000        $360,500   $10,500
FYI House EL           $177,000   Total LOC Open                 $26,000                                                                                                    Total                       $1,100,000      $1,133,000   $33,000
                                  Gap ( >0 is OK):                $6,123                                                   $1,844 Mort
New Home Value         $750,000                                                                                            $1,160 HELOC (%)                                 Debt (RE)
% $ Increase:          253.42%                                                           Monthly Pmt                       $3,004                                           5276                          $493,000
HOUSE Debt             $493,000                                                                                                                                             5440                          $260,000
Debt Percent:           65.73%    INCOME                                    Yearly                                                                                                                        $753,000
Equity FYI             $257,000   Kirk's Salary                   $5,688       $68,250                                                                                      Net Worth (RE)                $347,000
80% of Equity          $205,600   Lochloy rental suite              $650        $7,800   Kirk Salary                                                                        Debt/Assets Ratio              68.45%
New LOC                $205,600   Kirk's Supp                         $0            $0   Client Rate                           70 Hours workedVacation weeks
                                  Lisa job                            $0            $0   Monthly hours                      150.0     1,800.0            7.0
Emerg Sources                     Kirk's UOP (6/year)               $300        $3,600   Yearly Rev H&A                  $105,000 =H28*H29*12
Personal LOC                $0                                    $6,638       $79,650   % earn                             100%
VISA                        $0                                                           My annual income                $105,000                        $86
                                  EXPENSES                                  Years:       My tax                              35%                        0.78
                                  House Payments                  $3,004                 My monthly net                    5687.5                     $67.08                                  50000
Other sources:                    Other expenses                      $0                                                                                                                      64000
Retirement                   0    Total Living Expenses             $400                                                                                                                     120000
                 0.8         0                                    $3,404                 LOC Total                       $242,000                                                            234000
Total Emerg                 $0                                                           IR                                5.75%                                                             0.0575
                                  Net INC - EXP:                  $3,234                 Yearly Cost                      $13,915                                                             13455
                                                                                         Months                                12                                                                12
                                                                                         Monthly Cost                      $1,160                                                           1121.25
                                  Months on EL                       60.4
                                  Emerg                               0.0
                                  Total months                       60.4
                                  Total years                         5.0                Savings per year @ %                                       Percent increase: 4.00% Equity                    My age in fall
                                                                                                                0.8     $31,044.74                        $750,000     2003                $257,000              39
                                                                                                                  2     $62,089.47                        $780,000     2004                $287,000              40
                                                                                                                  3     $93,134.21                        $811,200     2005                $318,200              41
                                                                                                                  4    $124,178.94                        $843,648     2006                $350,648              42
                                                                                                                  5    $155,223.68                        $877,394     2007                $384,394              43
                                                                                                                  6    $186,268.42                        $912,490     2008                $419,490              44
                                                                                                                  7    $217,313.15                        $948,989     2009                $455,989              45
                                                                                                                  8    $248,357.89                        $986,949     2010                $493,949              46
                                                                                                                  9    $279,402.62                      $1,026,427     2011                $533,427              47
                                                                                                                                                                                                                       Increase RE 3%
                                                                                                                                                                            W/O Project
Home Value                        Cost Categories         Plan              Spent      Balance TO PAY                 Confidence     Actual         Variance %              Assets (RE)               Asset       Year 2      Increase
Value                  $395,000   Pool/spa:                   $47,495          $47,495                     $0         High           n/a            tbd                     5276 Lochloy                 $395,000    $406,850   $11,850
Percent                 80.00%    Landscaping:                $73,055          $52,755                 $6,342         High           n/a            tbd                     5440 Chicago                 $350,000    $360,500   $10,500
Loan                   $316,000   Remodel:                         $0               $0                 $9,000         Low            n/a            tbd                     Total                        $745,000    $767,350   $22,350
                                  Exterior:                    $5,000           $5,000                     $0         Low            n/a            tbd
                                  Furnishings:                     $0               $0                     $0         Low            n/a            tbd                     Debt (RE)
FYI House Debt         $493,000   October Remaining           $14,535               $0                $14,535         Low            n/a            tbd                     5276                           $80,000
                                  Total Cost:                $140,085         $105,250                $29,877                                                               5440                          $260,000
                                                                                                                                                                                                          $340,000
                                                                                                                                                                            Net Worth (RE)                $405,000
                                  Current Funds                   $10,000                                                                                                   Debt/Assets Ratio              45.64%
LOC Balances                      Minus remaining                 $29,877
Big                    $115,000   Surplus/Deficit:               -$19,877                Kirk's IRA                       $65,000                                           With Project
Little                  $62,000   Old LOC (64)                     $1,000                90 Percent                       $58,500                                           Assets (RE)
Personal                $15,000   New LOC (120)                    $5,000                Minus Gap                         $6,123                                           5276 Lochloy                  $775,000        $798,250   $23,250
Bungalow                $50,000   Bungalow LOC (60)               $5,000                 Leftover:                     $64,623                $19
Total                  $242,000   Personal LOC (20)              $15,000                                                                                                    5440 Chicago                  $350,000        $360,500   $10,500
FYI House EL           $177,000   Total LOC Open                 $26,000                                                                                                    Total                       $1,125,000      $1,158,750   $33,750
                                  Gap ( >0 is OK):                $6,123                                                   $1,844 Mort
New Home Value         $775,000                                                                                            $1,160 HELOC (%)                                 Debt (RE)
% $ Increase:          271.26%                                                           Monthly Pmt                       $3,004                                           5276                          $493,000
HOUSE Debt             $493,000                                                                                                                                             5440                          $260,000
Debt Percent:           63.61%    INCOME                                    Yearly                                                                                                                        $753,000
Equity FYI             $282,000   Kirk's Salary                   $4,625       $55,500                                                                                      Net Worth (RE)                $372,000
80% of Equity          $225,600   Lochloy rental suite              $650        $7,800   Kirk Salary                                                                        Debt/Assets Ratio              66.93%
New LOC                $225,600   Kirk's Supp                       $300        $3,600   Client Rate                            0 Hours workedVacation weeks
                                  Lisa job                            $0            $0   Monthly hours                        0.0         0.0           52.0
Emerg Sources                     Kirk's UOP (6/year)               $300        $3,600   Yearly Rev H&A                   $75,000
Personal LOC                $0                                    $5,875       $70,500   % earn                             100%
VISA                        $0                                                           My annual income                 $75,000                        $86
                                  EXPENSES                                  Years:       My tax                              26%                        0.78
                                  House Payments                  $3,004                 My monthly net                      4625                     $67.08                                  50000
Other sources:                    Other expenses                      $0                                                                                                                      64000
Retirement                   0    Total Living Expenses             $400                                                                                                                     120000
                 0.8         0                                    $3,404                 LOC Total                       $242,000                                                            234000
Total Emerg                 $0                                                           IR                                5.75%                                                             0.0575
                                  Net INC - EXP:                  $2,471                 Yearly Cost                      $13,915                                                             13455
                                                                                         Months                                12                                                                12
                                                                                         Monthly Cost                      $1,160                                                           1121.25
                                  Months on EL                       66.3
                                  Emerg                               0.0
                                  Total months                       66.3
                                  Total years                         5.5                Savings per year @ %                                       Percent increase: 4.00% Equity                    My age in fall
                                                                                                                0.8     $23,724.74                        $775,000     2003                $282,000              39
                                                                                                                  2     $47,449.47                        $806,000     2004                $313,000              40
                                                                                                                  3     $71,174.21                        $838,240     2005                $345,240              41
                                                                                                                  4     $94,898.94                        $871,770     2006                $378,770              42
                                                                                                                  5    $118,623.68                        $906,640     2007                $413,640              43
                                                                                                                  6    $142,348.42                        $942,906     2008                $449,906              44
                                                                                                                  7    $166,073.15                        $980,622     2009                $487,622              45
                                                                                                                  8    $189,797.89                      $1,019,847     2010                $526,847              46
                                                                                                                  9    $213,522.62                      $1,060,641     2011                $567,641              47
                                   Daryl        Dan
House Deck                             $12,000
Stamped concrete (pool deck)           $15,500
Fence                                  $13,500                                     9        10.5
Pergola                                  $3,500
Sod repair                               $3,000
Sprinkler                                $3,000
Plantings                                $8,000
Contingency                            $11,500 From Daryl at time of signing


Total                                     $70,000


Bonnie 8/8/03
Paid
                         10-Mar           $11,100                        15-Sep
                         10-Mar            $2,900                      Owe:            Paid:
                          31-Jul          $30,825                        $2,695           $2,695
                                          $44,825                           $162          $5,000
                                                                        $21,300          $10,000
                                                                        $24,157              120
To Pay: Bonnie 8/8/03:                              Minus Paid:          $6,342          $17,815
                                          $12,895
                                          $11,991
                                           $1,057                         10000
                                           $2,288                          6300
                                          $28,230

Total                                     $73,055




                      8/6/2003                             $9,862.50   Âr=1>
                      8/6/2003                             $9,862.50   Â
                      8/5/2003                             $9,862.50   Â
                     7/31/2003                             $3,183.00   Â
                     7/31/2003                             $1,843.72   Â
                     7/30/2003                               $614.58   Â
                     7/21/2003                             $1,848.75   Â
                     7/14/2003                             $1,061.00   Â
                     6/24/2003                               $616.25

                                   Visa                  $38,754.80
                                        10-Mar           $14,000.00
                                   SO far:               $52,754.80
     10.5   30      240 lin feet
                 $56.25




   19-Sep
   22-Sep
    1-Oct
Credit
                                                                                     Total:                      $71,910
Lower re-plumb                          $5,000   New bath and sink on far side
Kt re-plumb                            $10,000   Dan, what does this include?        Date              Payment           Notes
Electrical wiring                      $10,000   Includes A/V                               5/9/2003             $71,910 See receipts
Boiler                                  $5,000   Includes forced venting
Baths (2, tile, floor, fixtures)        $4,000
Excavate 1 day                          $1,000
Basement floor                          $7,000
Addition, blocks, etc.                 $22,000   Includes painting, full finishing
Cabinets (finish on site)              $29,000
Flooring                                $7,000
Basement carpeting                      $3,000
Kt Applicances                         $10,000
Ktette Applicances                      $1,800
Computer Equipment                     $10,000
Gut/re-install                         $10,000
Heating (in-floor)                      $5,500
Foyer (tile, cubbies, closet)           $6,000
Total                                       $0
                                                                                                                           5/9/03 Notes

                                                                                                                           labor    10,000
Dan:                                                                                                                       concrete 8,000
                            9000   floors                                                                                  excavate 2,500
                            9000   elect                                                                                   plumbing 5,000
                            3000   heating                                                                                 elect    5,000
                            1500   hvac                                                                                    HVAC      4,000 NOT INCLUDING
                           22500                                                                                           BOILER/FLOOR HEAT
                                                                                                                           windows 35,000
                                                                                                                           Material 10,000
                                                                                                                           Permit    2,400
                           13500 Paid Dan 9/15
                                                                                                                                   81,910
                            9000 Remaining
               red: CDM
               blue: Kirk's payments for core construction items
Date           Company               Dan Paid                 Kirk Paid      Notes
    12/31/02   Christine Frisk                                     $615.00
    02/12/03   Christine Frisk                                   $1,150.00
    02/14/03   Custom Pools                                     $14,000.00   To be verified
    03/10/03   Bachman's                                        $14,000.00
    03/14/03   Christine Frisk                                   $1,118.75
    03/27/03   Bill Michels Arch                                 $1,476.00
    05/01/03   TC Placing/Excav.                    $310.00
    05/01/03   TC Placing/Excav.                 $1,510.00
    05/05/03   Home Depot                           $424.41
    05/05/03   Thrifty Car Rental                                   $36.00
    05/06/03   Home Depot                           $849.54
    05/06/03   Thrifty Car Rental                                  $118.53
    05/08/03   Home Depot                            $57.06
    05/08/03   Christine Frisk                                   $2,533.75
    05/08/03   Bill Michels Arch                                 $3,660.84
    05/09/03   Justus                               $164.06
    05/09/03   R&F Reddy Rents                      $122.40
    05/12/03   Justus                                $52.57
    05/12/03   Home Depot                           $157.96
    05/12/03   Bill Michels Arch                                 $2,354.75
    05/13/03   CDM                                              $71,910.00
    05/13/03   Thrifty Car Rental                                  $154.54
    05/13/03   Thrifty Car Rental                                  $154.54
    05/15/03   TC Placing/Excav.                 $2,500.00
    05/16/03   Home Depot                           $469.52
    05/19/03   Justus                               $114.70
    05/20/03   TTT Woodworking                                   $7,494.00
    05/20/03   Thrifty Car Rental                                   $66.21
    05/22/03   Home Depot                           $440.88
    05/22/03   Garage Door                                       $3,457.00   downpayment
    10/01/03   Garage Door                                       $3,457.00   remaining 50%
    05/23/03   Bill Michels Arch                                 $1,312.47
    05/26/03   Home Depot                           $122.05
    05/27/03   Justus                               $187.51
    05/27/03   Apartment Rental                                  $5,309.00
    05/28/03   Home Depot                            $64.67
    05/29/03   Portable Storage                                    $127.80
    05/30/03   Randy's Sanitation                   $308.00
    05/30/03   Randy's Sanitation                   $278.00
    06/02/03   Home Depot                            $69.18
    06/03/03   Home Depot                           $123.87
    06/04/03   Home Depot                           $385.63
    06/04/03   Justus                               $182.29
    06/08/03   Comp USA                                            $378.03
    06/10/03   Home Depot                           $308.31
    06/11/03   Guyers                                            $7,000.00
    06/11/03   Home Depot                           $109.13
    06/12/03   SPS Plumbing                                      $1,329.09
    06/12/03   Justus                                            $2,500.00
    06/12/03   Justus                                              $230.45
    06/12/03   Custom Pools                                     $11,698.50
    06/12/03   Home Depot                           $930.92
    06/16/03   CDM                                              $40,000.00
    06/16/03   Affordable Granite                                $2,815.00
    10/01/03   Affordable Granite                                $2,600.00   remaining pmt
    06/17/03   All Stacked Up                                   $10,600.00
    06/21/03   Home Depot                           $931.52
    06/23/03   Christine Frisk                                   $1,115.00
    06/23/03   Top Notch                                           $431.34
    06/23/03   Randy's Sanitation                   $278.00
    06/24/03   Bachman's                                           $616.25
    06/30/03   Portable Storage                                    $127.80
SubTotal                                        $11,452.18 $215,947.64

    07/08/03   Justus Lumber                                    $1,300.00
    07/14/03   Bachmans                                         $1,061.00
    07/17/03   Excel                                              $177.50 Check Sent, #4842
    07/17/03   Fantasia (Tile)                                    $430.00
    07/21/03   Bachmans                                         $1,848.75
    07/24/03   Nob Hill (Hware)                                 $1,912.97
    07/24/03   Nob Hill (Hware)                                 $3,059.07
    07/28/03   Portable Storage                                   $127.80
    07/29/03   Nob Hill (Hware)                                   $191.58
    07/30/03   Bachmans                                           $614.58
    07/31/03   Bachmans                                         $1,843.72
    07/31/03   Bachmans                                         $3,183.00
    08/05/03   Bachmans                                         $9,862.50
    08/05/03   Floyd                                            $1,200.00
    08/05/03   Floyd                                          $3,360.50
    08/05/03   Floyd                                            $319.50
    08/05/03   Custom Pools                                  $45,000.00 To be determined 8/9 call
    08/06/03   Bachmans                                       $9,862.50
    08/08/03   CDM                                           $40,000.00
    08/29/03   CDM                                           $20,000.00
                                                            $145,354.97

Total                                          $11,452.18   $361,302.61

   08/13/03    Nob Hill                                         $494.73
   08/13/03    Cartier Lighting                                 $341.85
   08/13/03    Bachmans                                         $836.07
   08/14/03    Rejuvenation Hware                             $2,046.93
   08/15/03    Rubble                                         $1,341.90
   08/20/03    Justus                                           $187.44
   08/22/03    Guyer's                                        $7,006.88
   08/25/03    Home Depot                                       $127.78
   08/26/03    Bachmans                                         $625.73
   08/26/03    Custom Pools                                      $77.69
   08/28/03    Justus                                         $2,415.38
   08/28/03    Justus                                         $1,268.37
TOTAL                                                        $16,770.75

Grand Total                                                 $378,073.36



    09/15/03   CDM of MN                                     $13,500.00
    09/22/03   Bachmans                                       $5,000.00
    09/22/03   Bachmans                                       $2,695.00
    10/01/03   Bachmans                                      $10,000.00
    10/01/03   Terry Engleby                                  $7,365.00
                                                             $38,560.00

                                                            $416,633.36

    10/06/03   CDM of MN                                      $3,000.00
    10/06/03   Christine Frisk                                  $951.25
    10/06/03   Christine Frisk                                  $200.00
    10/06/03   Bill Michels                                   $1,091.25
                                                              $5,242.50

Total                                                       $421,875.86



                                    CDM                     $188,410.00

    10/19/03 CDM                                                 $24.00 Trim remaining
    10/19/03 CDM                                              $4,700.00 Fireplace
    10/19/03 CDM                                              $2,400.00 Shed roof
                                                              $7,124.00

Subtotal                                                    $428,999.86

    10/26/03   AquaCity                                       $1,299.00
    02/10/04   Floyd                                          $2,000.00
    02/12/04   Rubble                                         $1,958.67
    02/09/04   Sela Roof Repair                                 $405.00
    10/01/04   Paint (ESTIMATED) Hirschfield's                  $450.00
    01/08/04   Dave Morris (Structural Engineering)             $937.50
    09/01/03   AquaCity                                       $1,500.00
                                                              $8,550.17

    01/05/05 CDM                    Progress Pmt              $5,000.00
    01/15/05 CDM                    Pool wiring                 $400.00
    02/15/04 CDM                    Extras                    $1,995.00
                                                              $7,395.00

Kirk's payments subtotal                                    $444,945.03

Kirk's help with construction costs (blue, from above)       $62,251.42


Kirk's payments to CDM                                      $202,929.00

    05/15/04 CDM: Final progress payment                      $5,000.00
             TOTAL CDM Revenue                              $207,929.00

Kirk's payments total                                       $449,945.03
Pool
20x40 rectangle              $14,850   Includes filter?
8x8 inside corner stair       $2,775
Inwall ladder                   $875
6' diving board                 $775
265 BTU heater                $2,150
WaterMatic Auto Chlor         $1,950
Polaris vac sweep 280         $1,545
2 F225 fiberoptic lights      $2,075
Cantilever coping             $2,225   Cross-check with Darryl
CoverStar Delux auto cover   $11,940
                             $41,160
Adjusted sales price         $38,995   From Mike at time of signing
Spa 552 loaded                $8,500

Total                        $47,495
                                                              Total:         $5,000
Windows (13)       $35,000 Includes windows, siding, repair
Paint               $4,000                                    Date        Payment Notes
Stone              $25,606                                        1-Apr      $1,544
Doors               $5,000                                    5/16/2003      $3,456 See receipts
Garage door         $5,000 Confirmed Sheridan
Cabana             $20,000
Landscape light     $4,500
Garage extension    $4,000
Total                   $0
LR                     STAIR UPPER                 FOYER
      11   8      88          8      4        32            4   6           24
       1   6       6          8      5        40            5   3           15
       2   2       4         10      4        40            4   8           32
       7   3      21          7      3        21           25   8          200
       7   8      56                         133            8   3           24
     1.5   9    13.5   DEN                                  3   7           21
       8   8      64          4      8        32            3   7           21
       9   8      72          3      8        24            3   5           15
               324.5          2      8        16                           352
                              3      8        24
KT                            4      8        32 BATH
      3    8     24           3      8        24            5   8           40
      8    3     24           2      8        16            5   8           40
      8    2     16          11      4        44            3   8           24
     13    2     26           2      7        14                           104
      2    3      6                          226
      2    8     16
      4    8     32
      2    8     16
      2    8     16
      2    8     16
      2    8     16                          1113                         1097
      7    2     14                      LR         324.5           KT           222
                222                      STAIR UPPER 133
                                         FOYER        352                  468
                                         BATH         104           Den          226
                                                    913.5
New Door/Window Trim

FOYER                                        Qty       Length        Total Feet  Comment
                       Front Door                  1             4             4
                                                   2             7            14
                       Front Door Window           2             4             8
                                                   1             6             6
                       Garage Service Door         1             3             3
                                                   2             7            14
                       Rear Entry Door             1             4             4
                                                   2             7            14
                       Door to Bath                2             3             6
                                                   4             7            28
                       Bath Window                 2             2             4
                                                   2             4             8
BASEMENT               Laundry Door                1             3             3 none on inside
                                                   2             7            14
                       Bath Door                   2             3             6
                                                   4             7            28
                       Bed Door                    2             4             8
                                                   4             7            28
                       Bed Window                  1            10            10
                                                   2             7            14
                       Bed Closet                  2             4             8
                                                   4             7            28
                       Street Window               2             4             8
                                                   2             6            12
                       Buffet Window               1             6             6
                                                   2             2             4
KITCHEN                Sink Window                 2             5            10
                                                   2             4             8
                       Penninsula Window           2             3             6
                                                   2             5            10
                       Door to Deck                1             6             6
                                                   2             7            14
                       Buffet Window               2             6            12
                                                   2             2             4
DEN                    Door to KT (DR)             4             7            28
                                                   2             6            12
                       Slider to Deck              2             7            14
                                                   1             6             6
                       Closet                      2             4             8
                                                   4             7            28
LIVING ROOM            Street Window               2            10            20
                                                   2             6            12
                       FP Windows                  4             2             8
                                                   4             4            16
                       Open Doorway                4             7            28
                                                   2             7            14
                                                                             554
Old Trim Replace

                                       Qty       Length       Total Feet    Comment
Office             Door                      2            3             6
                                             4            7            28
                   Window                    4            5            20
Kids Room          Door                      4            7            28
                                             2            3             6
                   Main Window               4            5            20
                   Small Window              2            5            10
                                             2            4             8
                   Closet                    1            3             3
                                             2            7            14
Master             Door                      4            7            28
                                             2            3             6
                   Closets                   4            7            28
                                             2            3             6
                   Bath                      1            3             3
                                             2            7            14
                   Bath Window               2            3             6
                                             2            4             8
DEN                Bed Window                2            4             8
                                             2            5            10
                   Pair Back Windows         4            3            12
                                             4            5            20
Guest Bath         Door                      2            3             6
                                             4            7            28
                                                                      326
Baseboard

                            Total Feet Comment
            LR                       17
            KT                       20
            Den                      13
            Foyer                    31
            Foyer Bath                0
            Basement                118
            Basement Bath            18
                                    217
Basement                 Feet        Inches       Feet
           Bedroom              13            0          13
                                 9            5    9.416667 122.4167
           KT/Bath              11            0          11        0
                                14            7    14.58333 160.4167
           Living Room          12            8    12.66667        0
                                22            7    22.58333 286.0556

           Buffet               2             0          2
                                6             0          6         12
           Closet               4             0          4
                                3             0          3         12
                                                             592.8889 Round to 600 square feet
All information is from public county tax records on the Internet
            Analysis Year                2004
            Recent remodel                                                                                                                                                               01/02/04                                       01/02/04



                                                                                                                         Recent Sale to                Current       Recent Sale to
                                                                                          Previous             Recent    Tax Market                    Appraisal     Current          Tax-Based
                                                                            Previous      Sale       Recent    Sale      Annual Increase Appraisal     Market        Appraisal Annual Market
ID          Street             Number          Owner                        Sale Year     Amount     Sale Year Amount    %                Year         Value         Increase %       Price       Tally        ID Street    Number      Owner    Market Price
        1   Lochloy                     5280   Berris                                                     1987 $175,950             7.59%                                                $403,000          1     1 14091    Stonegate   Grodnick       $471,600
        2   Lochloy                     5276   Johnson                                                    1994 $175,200             7.06%       2003      $640,000            29.48%     $298,900          1     2   4728   Oakland     Cater          $216,300
        3   Lochloy                     5272   Kennedy                                                    1983 $118,500             8.90%                                                $340,100          1     3   5440   Chicago     Johnson        $208,000
        4   Lochloy                     5268   Hollbrook                                             n/a                                                                                 $295,300          1
        5   Lochloy                     5264   McGrew                                                n/a                                                                                 $320,800          1
        6   Lochloy                     5260   Rolfing                                                    1999 $345,000            -1.13%       2003      $650,000            22.10%     $325,500          1
        7   Lochloy                     5256   Walker                                                     1999 $257,500           11.53%                                                 $406,000          1
        8   Lochloy                     5252   Spring                                                n/a                                                                                 $434,500          1
        9   Lochloy                     5248   Duncan                                                     1980 $135,000             8.17%                                                $399,600          1
       10   Lochloy                     5244   Hafner                                                     1973   $53,000          17.52%                                                 $340,900          1
       11   Lochloy                     5240   Hatampour                                                  1986 $120,350             8.20%                                                $297,900          1
       12   Lochloy                     5236   Lemker                                                     2003 $485,000            -9.13%                                                $440,700          1
       13   Lochloy                     5232   Krug                                                       1985 $144,300           14.23%                                                 $534,400
       14   Lochloy                     5228   Chopyk                                                     1996 $230,000             7.30%                                                $364,300          1
       15   Lochloy                     5224   Severson                                                   1999 $463,166             2.32%                 $298,200                       $516,800          1
       16   Ayrshire                    5220   Gruys                                                      1998 $352,500             5.81%                 $175,200                       $475,300          1
                                                                                                                                                              1.70                     $6,194,000         15
                                           15 Interior Loop Avg                                                                                                 10                       $412,933


       18   Ayrshire                    5305   Manley                             1994                         $175,200           7.06%           $0                                    $358,800           1
       19   Ayrshire                    5301   Foreman                            1995                         $187,569                      $12,369                                    $315,900           1
       20   Lochloy                     5281   Larson                             1996                         $200,811                      $12,369                                    $391,600           1
       21   Lochloy                     5277   Staunton                           1997                         $214,989                      $12,369                                    $425,400           1
       22   Lochloy                     5273   Crandall                           1998                         $230,167                      $12,369                                    $469,700           1
       23   Lochloy                     5269   Scharton                           1999                         $246,417                      $12,369                                    $515,100           1
       24   Lochloy                     5265   Nissen                             2000                         $263,814                      $12,369                                    $465,200           1
       25   Lochloy                     5261   Mclveen                            2001                         $282,439                      $12,369                                    $439,200           1
       26   Lochloy                     5257   Stych                              2002                         $302,379                      $12,369                                    $350,800           1
       27   Lochloy                     5253   3-car ranch                        2003                         $323,727                      $12,369                                    $401,800           1
       28   Lochloy                     5249   Flat top                           2004                         $346,582                      $12,369                                    $461,700           1
       29   Lochloy                     5245   Conley                                                                                       $123,691      $298,891                      $330,700           1
       30   Lochloy                     5241   Tengden                                                                                                                                  $493,800           1
       31   Lochloy                     5237   Nessan                                                                                                                                   $406,400           1
       35   Lochloy                     5233   Klus                                                                                                                                     $262,300           1
       36   Lochloy                     5229   ?                                                                                                                                        $218,100           1
       37   Lochloy                     5225   Carlson                                                                                                                                  $448,600           1
       38   Lochloy                     5221   Smith                                                                                                                                    $329,100           1
       39   Lochloy                     5217   Mcleod                                                                                                                                   $324,200           1
       40   Lochloy                     5213   Mulvehill                                                                                                                                $291,300           1
       41   Lochloy                     5209   Wilson/Gaumer                                                                                                                            $287,600           1
       42   Lochloy                     5205   Bradbury                                                                                                                                 $504,200           1
       43   Lochloy                     5201   McGuire                                                                                                                                  $423,100           1
       44   Ayrshire                    5300   Groth                                                                                                                                    $361,700           1
                                                                                                                                                                                       $9,276,300         24
                                           24 Exterior Loop Avg                                                                                                                         $386,513


       45   Glenbrae                    5301   Gibbs                                                                                                                                    $320,800
       46   Glenbrae                    5232   Andrews                                                                                                                                  $270,200
       47   Glenbrae                    5228   Forrest                                                                                                                                  $330,700
       48   Glenbrae                    5224   Vaa                                                                                                                                      $370,700
       49   Glenbrae                    5220   Mason                                                                                                                                    $388,800
       50   Glenbrae                    5216   Schwappach                                                                                                                               $386,100
       51   Glenbrae                    5212   Fremonov                                                                                                                                 $263,300
       52   Glenbrae                    5229   Markman                                                                                                                                  $750,800
       53   Glenbrae                    5225   Saliterman                                                                                                                               $850,000
       54   Glenbrae                    5221   Furhmann                                                                                                                                 $447,200
       55   Glenbrae                    5217   ?                                                                                                                                        $450,100
       56   Glenbrae                    5213   Yung                                                                                                                                     $431,900
       57   Glenbrae                    5209   Kulpinski                                                                                                                                $528,600
       58   Glenbrae                    5205   Jones                                                                                                                                    $392,900
       60   Glenbrae                    5201   Mazzara                                                                                                                                  $381,400
       61   Glenbrae                    5200   Roberts                                                                                                                                  $354,300




                                                                                                                                                                                       $5,996,100
                                           16 Glenbrae                                                                                                                                  $374,756

       32   Doncaster                   5201   Anderson                                                                                                                                 $910,400
       33   Doncaster                   5207   Bolen                                                                                                                                    $371,400
       34   Doncaster                   5209   Anderson                                                                                                                                 $490,900
       62   Doncaster                   5213   Hussian (Tom)                                                                                                                            $355,000
       63   Doncaster                   5217   Denn (Jim)                                                                                                                               $539,300
       64   Doncaster                   5221   Abrahamson                                                                                                                               $616,300
       65   Doncaster                   5225   ?                                                                                                                                        $365,100
       66   Doncaster                   5229   ?                                                                                                                                        $394,700
       67   Ayrshire                    5605   Walthour                                                                                                                                 $404,300
       68   Doncaster                   5405   Glaus                                                                                                                                    $352,300
       69   Ayrshire                    5304   Azar                                                                                                                                     $299,100
       70   Ayrshire                    5701   Kelly                                                                                                                                    $334,700
       71   Ayrshire                    5705   Schafer                                                                                                                                  $315,900
       72   Doncaster                   5408   Hussian (Paul)                                                                                                                           $346,600
       73   Glengarry                   5408   Robinson                                                                                                                                 $401,300
       74   Northwood                   5809   Old Denn's                                                                                                                               $402,600
       75   Mirror Lakes                5317   Katie Denn                                                                                                                               $528,400
                                                                                                                                                                                       $7,428,300
                                           17 Other Nearby Avg                                                                                                                          $436,959

                                               Total                                                                                                                                  $19,980,100

                                           48 Total Average                                                                                                                             $416,252




            City               Indian Hills   Creek Valley                  Highlands
     2003               7.00             2.00                        6.70         12.00
     2002              15.50           28.00                        11.60         12.50
     2001              15.00           20.00                        14.00         16.00
     2000              11.40             5.00                       11.00         11.00
Cabana
             12      8    96
              7      9    63
                         159


        52   26   1352
6162454853
ID     Status   Question                                  Requester     Assigned
     2 Open     Where are the exact lot lines?            Daryl         Kirk
     8 Open     How does pool equip look on northwest     Kirk          Daryl
                side of pool?




     9 Open     What is the final design of the basement Kirk           Kirk
                rooms?
     4 Open     What pool liner?                         Mike           Kirk

     5 Open     What spa colors?                          Mike          Kirk
     8 Closed   Weight limits on street?                  Dan           Dan



     6 Closed   How can we make it easy for concrete      Daryl         Kirk
                crew to make bull nose pool edge?
     3 Closed   Deep end or sport pool ?                  Daryl, Mike   Kirk
     1 Closed   Do we include a shed or garage            Kirk          Dan
                expansion?

     7 Closed   Explain the ability to put the outer edge Kirk          Mike
                of the pool decking closer than 10' to the
                side perimeter. Code says: "e.
                swimming pools, including appurtenant
                equipment and required decking…needs
                to be 10 feet" from interior side yard.
                Does this mean that we can really use a
                6-foot distrance? See pool code linked
                on Pool page.
Notes                          Due
Professional survey                7-Feb
Recommended by Mike, this        26-Feb
is the most efficient and
quietest for the neighbors
but it poses aesthetic issues;
to be addressed

Need to show Christine            3-Mar
some additional ideas
Can look at some pools           15-Apr
when they open in April
Decide in April                  15-Apr
Impacts loads and cost; Dan      24-Feb
reported that hauling out will
be more expensive but we
can work around
See Pool component page          15-Feb
on Web site
Decided                          17-Feb
One was drawn by Daryl;          21-Feb
this is a garage extension
(see change order)
Need to tell Daryl because       18-Feb
this would allow us to go
closer to the edge.

								
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