Stop Paying Federal Taxes

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					Screen Shots from the Generational Theft Calculator




     Generational Theft Calculator by Gavin Romm and Edward Stringham, Trinity College


                                                                                                                   The Generational       Step 1: Choose any name (preferably starting                Step 3:
              1. U.S. Government Debt Are You Analyzing                                                            Theft Act of 2009
                                                                                                                                            with "the") and enter it to the left of the                Enter
                                                                                                                                                                                                       your
                                                                                                                                                                                                     numbers
             2. Items in The Generational Theft Act of 2009                                                       Dollar Amount                                            3. Your Assumptions:
                                                                                                                                              Interest rate on government debt                        6%
                                                  Step 2: Enter costs of programs you are analyzing.

     Federal Reserve:
                                        Default amounts are Randazzo's (April 26, 2009, p.5) estimated costs of
                                                                the 2008-2009 Bailout.                                                  Average age when people stop paying taxes                     79
                                                                                                                                                                                                      22
     Purchase commercial paper                                                                                    $1,750,000,000,000
     Term Asset-Backed Loan Facility Program (TALF)                                                               $1,000,000,000,000
                                                                                                                                                              Your Age
     Term Auction Facility Lending (TAF)                                                                            $900,000,000,000
     Insure Money Market Funds (MMIFF)                                                                              $600,000,000,000    Number of years over which you plan to repay your
                                                                                                                                         'share' of the The Generational Theft Act of 2009
                                                                                                                                                                                                      57
     Purchase Mortgage Backed Securities (MBS) from Fannie Mae, Freddie Mac, and Ginnie Mae                         $600,000,000,000
     Additional loans through the discount window                                                                   $550,000,000,000
     Bailout for Bear Stearns                                                                                        $29,500,000,000

     Federal Deposit Insurance Corp. (FDIC):                                                                                             4. Your Results: How Much The Generational Theft Act of
     Insure Senior Subordinated Subordinated Bank Debt                                                            $1,500,000,000,000
     Insure Non-Interest Bearing Deposit Accounts                                                                   $500,000,000,000                          2009 Costs You
     Insure Morgan Stanely Debt                                                                                       $9,000,000,000    Current amount you owe for the The Generational
     IndyMac                                                                                                          $8,000,000,000                   Theft Act of 2009
                                                                                                                                                                                                   $54,251.99
                                                                                                                                        Amount you will have to pay every month for
     Treasury:                                                                                                                                                                                       $280.51
                                                                                                                                                    the next 57 years
     Troubled Asset Relief Program (to recapitalize banks)                                                          $700,000,000,000
     Create a "Bad Bank" to finance the purchase of toxic assets                                                    $500,000,000,000
                                                                                                                                         Interest you will have to pay over the life of the debt   $91,688.69
     Citigroup Debt (plus 50 billion TARP dollars)                                                                  $251,000,000,000     Total you will be forced to pay over the life of the
     Fannie Mae & Freddie Mac Bailout                                                                               $400,000,000,000                            debt
                                                                                                                                                                                                   $145,940.68
     A.I.G. (plus 40 billion TARP dollars)                                                                          $112,500,000,000
     Bank of America Debt (plus 45 billion TARP dollars)                                                             $68,000,000,000
     Help Distressed Homeowners Avoid Foreclosures                                                                   $75,000,000,000             Amount you will still owe in:                                   Total you will have been forced to pay by:
     GM & Chrysler Bailout                                                                                           $17,400,000,000
                                                                                                                                                                2014                               $53,618.70                     2014                        $16,830.89
     Congress:
     American Recovery & Reinvestment Act (the Stimulus)                                                            $787,000,000,000                            2019                               $52,752.06                     2019                        $33,661.78
     Federal Housing Administration Mortgage Relief (July 2008)                                                     $300,000,000,000
     January 2008 Federal Stimulus Package (tax cuts & rebates)                                                     $168,000,000,000                            2024                               $51,583.10                     2024                        $50,492.66

     Total Inititial Debt for The Generational Theft Act of 2009
                                                                                                                                                                2034                               $47,838.43                     2034                        $84,434.95
                                                                                                                  $10,825,400,000,000
Seeing How The Generational Theft Act of 2009 Financially Affects You
     Figure 1: Who will bear the burden of the debt from The Generational Theft Act of 2009?

        People Age 60
          and over
            (3%)



                        People Age 30
                          to Age 59
                            (37%)                                   People Under
                                                                         30
                                                                       (60%)




                                                                                     *Average age of a U.S. Senator is 62



      Figure 2a: Average consumer expenditures before The Generational Theft Act of 2009                                    Figure 2b: Prepare to tigthen your belt for the next 57 years to pay for The Generational Theft Act of 2009



                                                                   Food Away from                                                                                                                        Food Away from Home
                                                                        Home Alcoholic Beverages
                                                         Food at                                                                                                                         Food at            Alcoholic Beverages
                                                          Home                                                                                                                            Home


                                                                                                                                                          Discretionary
                                                                                  Shelter                                                                    Income                                              Shelter


                        Discretionary
                           Income
                                                                               Utilities, Fuel and                                              What you must                                                 Utilities, Fuel and
                                                                                Public Services         Household                                 pay for The                                                  Public Services
                                                                                                        Operations                                                                                                             Household Operations
                                                                                                                                                 Generational
                                                                                                        Household                                                                                                                   Household
                                                                                                         Supplies                                Theft Act of                                                                        Supplies
                                                                                                                                                     2009
                                                                                                        Household                                                                                                           Household Furnishings
 What you must pay
                                                                                                      Furnishings and                                                                                                          and Equipment
                                                                                                        Equipment                    Gifts of Goods &
    The of Goods &
for GiftsGenerational      Personal Taxes,                                                                                                                   Personal Taxes,
     Contributions
  Theft Act of 2009                                                                                    Apparel and                    Contributions        Pensions and Social                                               Apparel and Services
                         Pensions and Social                             Transportation                                                        Reading                                                 Transportation
                              Security                                                                  Services                                                Security
       Reading
                                                              Health                                                                                                                          Health
           Life/Other Insurance                                Care                                                                               Life/Other Insurance                         Care
       Support
                                                                                                                                                        Support
    Payments/Cash         Miscellaneous**                                                                                                                                                                               Entertainment and
                                                                                          Entertainment and                                          Payments/Cash           Education
     Contributions                                       Personal Care                                                                                                                       Personal Care Products         Recreation
                                                                                              Recreation                                                Miscellaneous**
                                                                                                                                                      Contributions
                     Smoking Products          Education   Products                                                                                                  Smoking Products

*Source: Data are from Burea of Labor Statistics Consumer Expenditure Survey, 2007
Figure 3a: Prepare to have less every year due to the The Generational Theft Act of 2009                               Figure 3b: Prepare to see your lifetime takehome pay lowered by The Generational Theft Act of 2009


  $50,000                                                                                                                    $2,500,000

  $45,000

                                                                                                                             $2,000,000
  $40,000

  $35,000
                                                                                                                             $1,500,000
  $30,000

  $25,000                                                                                                                    $1,000,000

  $20,000

                                                                                                                               $500,000
  $15,000

  $10,000
                                                                                                                                       $0
    $5,000                                                                                                                                   22 24 26 28 30 32 34 36 38 40 42 44 46 48 50 52 54 56 58 60 62 64 66 68 70 72 74 76 78
                       22                 32                 42                 52                   62   72     AGE
                                                                                                                                      Average future cumulative earnings (for a 22 year old who will earn money until age 79)                     AGE
                            Average yearly income for Americans by age* assuming people will earn until age 79
                                                                                                                                      Average future cumulative earnings (for a 22 year old who will earn money until age 79) minus cost of The
                            Average yearly earnings minus cost of The Generational Theft Act of 2009                                  Generational Theft Act of 2009

  *Sources for Income Data By Age are from U.S. Census Bureau, Historical Income Tables, Table P10                          *Sources for Income Data By Age Range are from U.S. Census Bureau, Historical Income Tables, Table P10
                Calculations for Figure 1: Who will bear the burden of The Generational Theft Act of 2009
To view the description of thse and other calculations click here.
                                                                       Assumed
                                                                                                Assumed Age                   Total Years Paying                        Total Years Paying Percentage of Debt                          Initial Debt Per
 Age Group                      Current Population in Representative Age People                                Years Paying                                                                                     Initial Debt Per Age                      Average Income Per
            Age Group (…To Age)                                                                  Stop Paying                  Taxes By Members        Total Debt           Taxes By All      To Paid by Age                             Person by Age
(From Age…)                       that Age Group*     Age in Age Group   Start                                    Taxes                                                                                                 Group                                Age Group**
                                                                                                    Taxes                        in Age Group                                 Groups             Group                                      Group
                                                                       Working
      0                  9                 39,725,303                 5               20             79             59           2,343,792,877     10,825,400,000,000     11,373,736,009          20.61%        $2,230,796,933,444        $56,156                 0
     10                 14                 20,528,072                12               20             79             59           1,211,156,248     10,825,400,000,000     11,373,736,009          10.65%        $1,152,765,532,515        $56,156                 0
     15                 19                 20,219,890                17               20             79             59           1,192,973,510     10,825,400,000,000     11,373,736,009          10.49%        $1,135,459,397,417        $56,156               14,013
     20                 24                  18,964,001               22               20             79             57          1,080,948,057      10,825,400,000,000     11,373,736,009          9.50%         $1,028,834,772,232        $54,252               14,013
     25                 29                  19,381,336               27               20             79             52          1,007,829,472      10,825,400,000,000     11,373,736,009          8.86%          $959,241,286,905         $49,493               36,582
     30                 34                  20,510,388               32               20             79             47           963,988,236       10,825,400,000,000     11,373,736,009          8.48%          $917,513,668,485         $44,734               36,582
     35                 39                  22,706,664               37               20             79             42           953,679,888       10,825,400,000,000     11,373,736,009          8.38%          $907,702,293,370         $39,975               47,300
     40                 44                  22,441,863               42               20             79             37           830,348,931       10,825,400,000,000     11,373,736,009          7.30%          $790,317,210,680         $35,216               47,300
     45                 49                  20,092,404               47               20             79             32           642,956,928       10,825,400,000,000     11,373,736,009          5.65%          $611,959,511,181         $30,457               49,348
     50                 54                  17,585,548               52               20             79             27           474,809,796       10,825,400,000,000     11,373,736,009          4.17%          $451,918,873,583         $25,698               49,348
     55                 59                  13,469,237               57               20             79             22           296,323,214       10,825,400,000,000     11,373,736,009          2.61%          $282,037,258,320         $20,939               46,064
     60                 64                  10,805,447               62               20             79             17           183,692,599       10,825,400,000,000     11,373,736,009          1.62%          $174,836,646,432         $16,180               46,064
     65                 69                   9,533,545               67               20             79             12           114,402,540       10,825,400,000,000     11,373,736,009          1.01%          $108,887,111,107         $11,421               32,775
     70                 74                   8,857,441               72               20             79              7           62,002,087        10,825,400,000,000     11,373,736,009          0.55%           $59,012,921,707          $6,663               32,775
     75                 79                   7,415,813               77               20             79              2           14,831,626        10,825,400,000,000     11,373,736,009          0.13%           $14,116,582,623          $1,904               23,794
     80                 84                   4,945,367               82               20             79              0                0            10,825,400,000,000     11,373,736,009          0.00%                 $0                   $0                 23,794
     85              and over                4,239,587               85               20             79              0                0            10,825,400,000,000     11,373,736,009          0.00%                 $0                   $0                 23,794
    Total:                                 281,421,906                                                                         11,373,736,009
*Sources: Population Data Are from U.S. Census 2000
** Income Data Are from U.S. Census Bureau: Historical Income Tables–People 1974-2007; Table P-10.




               Retirement Age
Inputs from main page                                                                                                                                                   People Under 30                60.11%
                                 79                                                                                                                                     People Age 30 to Age 59        36.59%
              Age people enter workforce                                                                                                                                People Age 60 and over          3.30%
                                 20
              Amount of debt
                $10,825,400,000,000
Calculations for Your Monthly Payment Schedule
                                   Values from Main Page                                                                 Debt Summary
                        Amount of Debt from Bailout                               $54,251.99               Amount you will have to pay each month           $280.51
                           Annual interest rate                                        6.00%                   Scheduled number of payments                     684
               Time period over which you will pay for 'your' debt                        57                      Actual number of payments                     361
              Date you start paying off debt (Default is set to today)            11/14/2010               Total interest You Will Be Forced to Pay       $91,688.69



                                                                                                                                           Princi
  Payment #   Payment Date               Beginning Balance               Scheduled Payment Extra Payment       Total Payment                pal           Interest     Ending Balance     Cumulative Interest         Cumulative Payments
1                        12/14/2010 $                     54,251.99      $            280.51   $     -     $                     280.51     $ 9.25    $       271.26   $      54,242.73   $              271.26   $                    280.51
2                         1/14/2011                       54,242.73                   280.51         -                           280.51       9.30            271.21          54,233.43                  542.47   $                    561.03
3                         2/14/2011                       54,233.43                   280.51         -                           280.51       9.35            271.17          54,224.09                  813.64   $                    841.54
4                         3/14/2011                       54,224.09                   280.51         -                           280.51       9.39            271.12          54,214.69                1,084.76   $                  1,122.06
5                         4/14/2011                       54,214.69                   280.51         -                           280.51       9.44            271.07          54,205.25                1,355.83   $                  1,402.57
6                         5/14/2011                       54,205.25                   280.51         -                           280.51       9.49            271.03          54,195.76                1,626.86   $                  1,683.09
7                         6/14/2011                       54,195.76                   280.51         -                           280.51       9.54            270.98          54,186.23                1,897.84   $                  1,963.60
8                         7/14/2011                       54,186.23                   280.51         -                           280.51       9.58            270.93          54,176.64                2,168.77   $                  2,244.12
9                         8/14/2011                       54,176.64                   280.51         -                           280.51       9.63            270.88          54,167.01                2,439.65   $                  2,524.63
10                        9/14/2011                       54,167.01                   280.51         -                           280.51       9.68            270.84          54,157.33                2,710.49   $                  2,805.15
11                       10/14/2011                       54,157.33                   280.51         -                           280.51       9.73            270.79          54,147.60                2,981.28   $                  3,085.66
12                       11/14/2011                       54,147.60                   280.51         -                           280.51       9.78            270.74          54,137.83                3,252.01   $                  3,366.18
13                       12/14/2011                       54,137.83                   280.51         -                           280.51       9.83            270.69          54,128.00                3,522.70   $                  3,646.69
14                        1/14/2012                       54,128.00                   280.51         -                           280.51       9.87            270.64          54,118.12                3,793.34   $                  3,927.21
15                        2/14/2012                       54,118.12                   280.51         -                           280.51       9.92            270.59          54,108.20                4,063.93   $                  4,207.72
16                        3/14/2012                       54,108.20                   280.51         -                           280.51       9.97            270.54          54,098.23                4,334.47   $                  4,488.24
17                        4/14/2012                       54,098.23                   280.51         -                           280.51     10.02             270.49          54,088.20                4,604.97   $                  4,768.75
18                        5/14/2012                       54,088.20                   280.51         -                           280.51     10.07             270.44          54,078.13                4,875.41   $                  5,049.27
19                        6/14/2012                       54,078.13                   280.51         -                           280.51     10.12             270.39          54,068.01                5,145.80   $                  5,329.78
20                        7/14/2012                       54,068.01                   280.51         -                           280.51     10.17             270.34          54,057.83                5,416.14   $                  5,610.30
21                        8/14/2012                       54,057.83                   280.51         -                           280.51     10.23             270.29          54,047.60                5,686.43   $                  5,890.81
22                        9/14/2012                       54,047.60                   280.51         -                           280.51     10.28             270.24          54,037.33                5,956.66   $                  6,171.33
23                       10/14/2012                       54,037.33                   280.51         -                           280.51     10.33             270.19          54,027.00                6,226.85   $                  6,451.84
24                       11/14/2012                       54,027.00                   280.51         -                           280.51     10.38             270.13          54,016.62                6,496.99   $                  6,732.36
25                       12/14/2012                       54,016.62                   280.51         -                           280.51     10.43             270.08          54,006.19                6,767.07   $                  7,012.87
26                        1/14/2013                       54,006.19                   280.51         -                           280.51     10.48             270.03          53,995.70                7,037.10   $                  7,293.38
27                        2/14/2013                       53,995.70                   280.51         -                           280.51     10.54             269.98          53,985.17                7,307.08   $                  7,573.90
28                        3/14/2013                       53,985.17                   280.51         -                           280.51     10.59             269.93          53,974.58                7,577.00   $                  7,854.41
29                        4/14/2013                       53,974.58                   280.51         -                           280.51     10.64             269.87          53,963.94                7,846.88   $                  8,134.93
30                        5/14/2013                       53,963.94                   280.51         -                           280.51     10.70             269.82          53,953.24                8,116.70   $                  8,415.44
31                        6/14/2013                       53,953.24                   280.51         -                           280.51     10.75             269.77          53,942.49                8,386.46   $                  8,695.96
32                        7/14/2013                       53,942.49                   280.51         -                           280.51     10.80             269.71          53,931.69                8,656.18   $                  8,976.47
33                        8/14/2013                       53,931.69                   280.51         -                           280.51     10.86             269.66          53,920.83                8,925.83   $                  9,256.99
34                        9/14/2013                       53,920.83                   280.51         -                           280.51     10.91             269.60          53,909.92                9,195.44   $                  9,537.50
35                       10/14/2013                       53,909.92                   280.51         -                           280.51     10.97             269.55          53,898.96                9,464.99   $                  9,818.02
36                       11/14/2013                       53,898.96                   280.51         -                           280.51     11.02             269.49          53,887.94                9,734.48   $                 10,098.53
37                       12/14/2013                       53,887.94                   280.51         -                           280.51     11.08             269.44          53,876.86               10,003.92   $                 10,379.05
38                        1/14/2014                       53,876.86                   280.51         -                           280.51     11.13             269.38          53,865.73               10,273.31   $                 10,659.56
39                        2/14/2014                       53,865.73                   280.51         -                           280.51     11.19             269.33          53,854.55               10,542.64   $                 10,940.08
40                        3/14/2014                       53,854.55                   280.51         -                           280.51     11.24             269.27          53,843.31               10,811.91   $                 11,220.59
41                        4/14/2014                       53,843.31                   280.51         -                           280.51     11.30             269.22          53,832.01               11,081.12   $                 11,501.11
42                        5/14/2014                       53,832.01                   280.51         -                           280.51     11.35             269.16          53,820.65               11,350.28   $                 11,781.62
43                        6/14/2014                       53,820.65                   280.51         -                           280.51     11.41             269.10          53,809.24               11,619.39   $                 12,062.14
44                        7/14/2014                       53,809.24                   280.51         -                           280.51     11.47             269.05          53,797.77               11,888.43   $                 12,342.65
45                        8/14/2014                       53,797.77                   280.51         -                           280.51     11.53             268.99          53,786.25               12,157.42   $                 12,623.17
46                        9/14/2014                       53,786.25                   280.51         -                           280.51     11.58             268.93          53,774.66               12,426.35   $                 12,903.68
47                       10/14/2014                       53,774.66                   280.51         -                           280.51     11.64             268.87          53,763.02               12,695.23   $                 13,184.20
48                       11/14/2014                       53,763.02                   280.51         -                           280.51     11.70             268.82          53,751.32               12,964.04   $                 13,464.71
49                       12/14/2014                       53,751.32                   280.51         -                           280.51     11.76             268.76          53,739.56               13,232.80   $                 13,745.23
50                        1/14/2015                       53,739.56                   280.51         -                           280.51     11.82             268.70          53,727.75               13,501.50   $                 14,025.74
51                        2/14/2015                       53,727.75                   280.51         -                           280.51     11.88             268.64          53,715.87               13,770.14   $                 14,306.25
52                        3/14/2015                       53,715.87                   280.51         -                           280.51     11.94             268.58          53,703.93               14,038.72   $                 14,586.77
53                        4/14/2015                       53,703.93                   280.51         -                           280.51     12.00             268.52          53,691.94               14,307.23   $                 14,867.28
54                        5/14/2015                       53,691.94                   280.51         -                           280.51     12.06             268.46          53,679.88               14,575.69   $                 15,147.80
55                        6/14/2015                       53,679.88                   280.51         -                           280.51     12.12             268.40          53,667.77               14,844.09   $                 15,428.31
56                        7/14/2015                       53,667.77                   280.51         -                           280.51     12.18             268.34          53,655.59               15,112.43   $                 15,708.83
57                        8/14/2015                       53,655.59                   280.51         -                           280.51     12.24             268.28          53,643.36               15,380.71   $                 15,989.34
58                        9/14/2015                       53,643.36                   280.51         -                           280.51     12.30             268.22          53,631.06               15,648.93   $                 16,269.86
59                       10/14/2015                       53,631.06                   280.51         -                           280.51     12.36             268.16          53,618.70               15,917.08   $                 16,550.37
60                       11/14/2015                       53,618.70                   280.51         -                           280.51     12.42             268.09          53,606.28               16,185.18   $                 16,830.89
61                       12/14/2015                       53,606.28                   280.51         -                           280.51     12.48             268.03          53,593.79               16,453.21   $                 17,111.40
62                        1/14/2016                       53,593.79                   280.51         -                           280.51     12.55             267.97          53,581.25               16,721.18   $                 17,391.92
63                        2/14/2016                       53,581.25                   280.51         -                           280.51     12.61             267.91          53,568.64               16,989.08   $                 17,672.43
64                        3/14/2016                       53,568.64                   280.51         -                           280.51     12.67             267.84          53,555.97               17,256.93   $                 17,952.95
65                        4/14/2016                       53,555.97                   280.51         -                           280.51     12.73             267.78          53,543.23               17,524.71   $                 18,233.46
66                        5/14/2016                       53,543.23                   280.51         -                           280.51     12.80             267.72          53,530.43               17,792.42   $                 18,513.98
67                        6/14/2016                       53,530.43                   280.51         -                           280.51     12.86             267.65          53,517.57               18,060.07   $                 18,794.49
68                        7/14/2016                       53,517.57                   280.51         -                           280.51     12.93             267.59          53,504.64               18,327.66   $                 19,075.01
69                        8/14/2016                       53,504.64                   280.51         -                           280.51     12.99             267.52          53,491.65               18,595.19   $                 19,355.52
70                        9/14/2016                       53,491.65                   280.51         -                           280.51     13.06             267.46          53,478.60               18,862.64   $                 19,636.04
71                       10/14/2016                       53,478.60                   280.51         -                           280.51     13.12             267.39          53,465.48               19,130.04   $                 19,916.55
72                       11/14/2016                       53,465.48                   280.51         -                           280.51     13.19             267.33          53,452.29               19,397.36   $                 20,197.07
73                       12/14/2016                       53,452.29                   280.51         -                           280.51     13.25             267.26          53,439.03               19,664.63   $                 20,477.58
74                        1/14/2017                       53,439.03                   280.51         -                           280.51     13.32             267.20          53,425.71               19,931.82   $                 20,758.10
75                        2/14/2017                       53,425.71                   280.51         -                           280.51     13.39             267.13          53,412.33               20,198.95   $                 21,038.61
76                        3/14/2017                       53,412.33                   280.51         -                           280.51     13.45             267.06          53,398.88               20,466.01   $                 21,319.12
77                        4/14/2017                       53,398.88                   280.51         -                           280.51     13.52             266.99          53,385.35               20,733.01   $                 21,599.64
78                        5/14/2017                       53,385.35                   280.51         -                           280.51     13.59             266.93          53,371.77               20,999.93   $                 21,880.15
79                        6/14/2017                       53,371.77                   280.51         -                           280.51     13.66             266.86          53,358.11               21,266.79   $                 22,160.67
80                        7/14/2017                       53,358.11                   280.51         -                           280.51     13.72             266.79          53,344.39               21,533.58   $                 22,441.18
81                        8/14/2017                       53,344.39                   280.51         -                           280.51     13.79             266.72          53,330.59               21,800.30   $                 22,721.70
82                        9/14/2017                       53,330.59                   280.51         -                           280.51     13.86             266.65          53,316.73               22,066.96   $                 23,002.21
83                       10/14/2017                       53,316.73                   280.51         -                           280.51     13.93             266.58          53,302.80               22,333.54   $                 23,282.73
84                       11/14/2017                       53,302.80                   280.51         -                           280.51     14.00             266.51          53,288.80               22,600.05   $                 23,563.24
85                       12/14/2017                       53,288.80                   280.51         -                           280.51     14.07             266.44          53,274.73               22,866.50   $                 23,843.76
86                        1/14/2018                       53,274.73                   280.51         -                           280.51     14.14             266.37          53,260.59               23,132.87   $                 24,124.27
87                        2/14/2018                       53,260.59                   280.51         -                           280.51     14.21             266.30          53,246.38               23,399.17   $                 24,404.79
88                        3/14/2018                       53,246.38                   280.51         -                           280.51     14.28             266.23          53,232.09               23,665.41   $                 24,685.30
89                        4/14/2018                       53,232.09                   280.51         -                           280.51     14.35             266.16          53,217.74               23,931.57   $                 24,965.82
90                        5/14/2018                       53,217.74                   280.51         -                           280.51     14.43             266.09          53,203.31               24,197.66   $                 25,246.33
91                        6/14/2018                       53,203.31                   280.51         -                           280.51     14.50             266.02          53,188.81               24,463.67   $                 25,526.85
92                        7/14/2018                       53,188.81                   280.51         -                           280.51     14.57             265.94          53,174.24               24,729.62   $                 25,807.36
93                        8/14/2018                       53,174.24                   280.51         -                           280.51     14.64             265.87          53,159.60               24,995.49   $                 26,087.88
94                        9/14/2018                       53,159.60                   280.51         -                           280.51     14.72             265.80          53,144.88               25,261.29   $                 26,368.39
95                       10/14/2018                       53,144.88                   280.51         -                           280.51     14.79             265.72          53,130.09               25,527.01   $                 26,648.91
96                       11/14/2018                       53,130.09                   280.51         -                           280.51     14.86             265.65          53,115.23               25,792.66   $                 26,929.42
97                       12/14/2018                       53,115.23                   280.51         -                           280.51     14.94             265.58          53,100.29               26,058.24   $                 27,209.94
98                        1/14/2019                       53,100.29                   280.51         -                           280.51     15.01             265.50          53,085.28               26,323.74   $                 27,490.45
99                        2/14/2019                       53,085.28                   280.51         -                           280.51     15.09             265.43          53,070.19               26,589.16   $                 27,770.96
100                       3/14/2019                       53,070.19                   280.51         -                           280.51     15.16             265.35          53,055.02               26,854.52   $                 28,051.48
101                       4/14/2019                       53,055.02                   280.51         -                           280.51     15.24             265.28          53,039.78               27,119.79   $                 28,331.99
102                       5/14/2019                       53,039.78                   280.51         -                           280.51     15.32             265.20          53,024.47               27,384.99   $                 28,612.51
103                       6/14/2019                       53,024.47                   280.51         -                           280.51     15.39             265.12          53,009.08               27,650.11   $                 28,893.02
104                       7/14/2019                       53,009.08                   280.51         -                           280.51     15.47             265.05          52,993.61               27,915.16   $                 29,173.54
105                       8/14/2019                       52,993.61                   280.51         -                           280.51     15.55             264.97          52,978.06               28,180.13   $                 29,454.05
106                       9/14/2019                       52,978.06                   280.51         -                           280.51     15.62             264.89          52,962.44               28,445.02   $                 29,734.57
107                      10/14/2019                       52,962.44                   280.51         -                           280.51     15.70             264.81          52,946.73               28,709.83   $                 30,015.08
108                      11/14/2019                       52,946.73                   280.51         -                           280.51     15.78             264.73          52,930.95               28,974.56   $                 30,295.60
109                      12/14/2019                       52,930.95                   280.51         -                           280.51     15.86             264.65          52,915.09               29,239.22   $                 30,576.11
110                       1/14/2020                       52,915.09                   280.51         -                           280.51     15.94             264.58          52,899.15               29,503.79   $                 30,856.63
111                       2/14/2020                       52,899.15                   280.51         -                           280.51     16.02             264.50          52,883.13               29,768.29   $                 31,137.14
112                       3/14/2020                       52,883.13                   280.51         -                           280.51     16.10             264.42          52,867.03               30,032.70   $                 31,417.66
113                       4/14/2020                       52,867.03                   280.51         -                           280.51     16.18             264.34          52,850.85               30,297.04   $                 31,698.17
114                       5/14/2020                       52,850.85                   280.51         -                           280.51     16.26             264.25          52,834.59               30,561.29   $                 31,978.69
115                       6/14/2020                       52,834.59                   280.51         -                           280.51     16.34             264.17          52,818.25               30,825.47   $                 32,259.20
116                       7/14/2020                       52,818.25                   280.51         -                           280.51     16.42             264.09          52,801.83               31,089.56   $                 32,539.72
117                       8/14/2020                       52,801.83                   280.51         -                           280.51     16.51             264.01          52,785.32               31,353.57   $                 32,820.23
118                       9/14/2020                       52,785.32                   280.51         -                           280.51     16.59             263.93          52,768.74               31,617.49   $                 33,100.75
119                      10/14/2020                       52,768.74                   280.51         -                           280.51     16.67             263.84          52,752.06               31,881.34   $                 33,381.26
120                      11/14/2020                       52,752.06                   280.51         -                           280.51     16.75             263.76          52,735.31               32,145.10   $                 33,661.78
121                      12/14/2020                       52,735.31                   280.51         -                           280.51     16.84             263.68          52,718.47               32,408.77   $                 33,942.29
122                       1/14/2021                       52,718.47                   280.51         -                           280.51     16.92             263.59          52,701.55               32,672.37   $                 34,222.81
123                       2/14/2021                       52,701.55                   280.51         -                           280.51     17.01             263.51          52,684.54               32,935.87   $                 34,503.32
124                       3/14/2021                       52,684.54                   280.51         -                           280.51     17.09             263.42          52,667.45               33,199.30   $                 34,783.83
125                       4/14/2021                       52,667.45                   280.51         -                           280.51     17.18             263.34          52,650.27               33,462.63   $                 35,064.35
126                       5/14/2021                       52,650.27                   280.51         -                           280.51     17.26             263.25          52,633.01               33,725.88   $                 35,344.86
127                       6/14/2021                       52,633.01                   280.51         -                           280.51     17.35             263.17          52,615.66               33,989.05   $                 35,625.38
128                       7/14/2021                       52,615.66                   280.51         -                           280.51     17.44             263.08          52,598.22               34,252.13   $                 35,905.89
129                       8/14/2021                       52,598.22                   280.51         -                           280.51     17.52             262.99          52,580.70               34,515.12   $                 36,186.41
130                       9/14/2021                       52,580.70                   280.51         -                           280.51     17.61             262.90          52,563.09               34,778.02   $                 36,466.92
131                      10/14/2021                       52,563.09                   280.51         -                           280.51     17.70             262.82          52,545.39               35,040.84   $                 36,747.44
132                      11/14/2021                       52,545.39                   280.51         -                           280.51     17.79             262.73          52,527.60               35,303.56   $                 37,027.95
133                      12/14/2021                       52,527.60                   280.51         -                           280.51     17.88             262.64          52,509.72               35,566.20   $                 37,308.47
134                       1/14/2022                       52,509.72                   280.51         -                           280.51     17.97             262.55          52,491.76               35,828.75   $                 37,588.98
135                       2/14/2022                       52,491.76                   280.51         -                           280.51     18.06             262.46          52,473.70               36,091.21   $                 37,869.50
136                       3/14/2022                       52,473.70                   280.51         -                           280.51     18.15             262.37          52,455.56               36,353.58   $                 38,150.01
137                       4/14/2022                       52,455.56                   280.51         -                           280.51     18.24             262.28          52,437.32               36,615.86   $                 38,430.53
138                       5/14/2022                       52,437.32                   280.51         -                           280.51     18.33             262.19          52,418.99               36,878.04   $                 38,711.04
139                       6/14/2022                       52,418.99                   280.51         -                           280.51     18.42             262.09          52,400.57               37,140.14   $                 38,991.56
140                       7/14/2022                       52,400.57                   280.51         -                           280.51     18.51             262.00          52,382.06               37,402.14   $                 39,272.07
141                       8/14/2022                       52,382.06                   280.51         -                           280.51     18.60             261.91          52,363.45               37,664.05   $                 39,552.59
142                       9/14/2022                       52,363.45                   280.51         -                           280.51     18.70             261.82          52,344.76               37,925.87   $                 39,833.10
143                      10/14/2022                       52,344.76                   280.51         -                           280.51     18.79             261.72          52,325.96               38,187.59   $                 40,113.62
144                      11/14/2022                       52,325.96                   280.51         -                           280.51     18.88             261.63          52,307.08               38,449.22   $                 40,394.13
145                      12/14/2022                       52,307.08                   280.51         -                           280.51     18.98             261.54          52,288.10               38,710.76   $                 40,674.65
146                       1/14/2023                       52,288.10                   280.51         -                           280.51     19.07             261.44          52,269.03               38,972.20   $                 40,955.16
147                       2/14/2023                       52,269.03                   280.51         -                           280.51     19.17             261.35          52,249.86               39,233.54   $                 41,235.68
148                       3/14/2023                       52,249.86                   280.51         -                           280.51     19.27             261.25          52,230.59               39,494.79   $                 41,516.19
149                       4/14/2023                       52,230.59                   280.51         -                           280.51     19.36             261.15          52,211.23               39,755.95   $                 41,796.70
150                       5/14/2023                       52,211.23                   280.51         -                           280.51     19.46             261.06          52,191.77               40,017.00   $                 42,077.22
151                       6/14/2023                       52,191.77                   280.51         -                           280.51     19.56             260.96          52,172.21               40,277.96   $                 42,357.73
152                       7/14/2023                       52,172.21                   280.51         -                           280.51     19.65             260.86          52,152.56               40,538.82   $                 42,638.25
153                       8/14/2023                       52,152.56                   280.51         -                           280.51     19.75             260.76          52,132.81               40,799.58   $                 42,918.76
154                       9/14/2023                       52,132.81                   280.51         -                           280.51     19.85             260.66          52,112.96               41,060.25   $                 43,199.28
155                      10/14/2023                       52,112.96                   280.51         -                           280.51     19.95             260.56          52,093.01               41,320.81   $                 43,479.79
156                      11/14/2023                       52,093.01                   280.51         -                           280.51     20.05             260.47          52,072.96               41,581.28   $                 43,760.31
                                                                                                            Princi
  Payment #   Payment Date      Beginning Balance     Scheduled Payment Extra Payment   Total Payment        pal     Interest     Ending Balance     Cumulative Interest         Cumulative Payments
157                12/14/2023             52,072.96               280.51          -                280.51    20.15       260.36          52,052.81               41,841.64   $                 44,040.82
158                 1/14/2024             52,052.81               280.51          -                280.51    20.25       260.26          52,032.56               42,101.91   $                 44,321.34
159                 2/14/2024             52,032.56               280.51          -                280.51    20.35       260.16          52,012.21               42,362.07   $                 44,601.85
160                 3/14/2024             52,012.21               280.51          -                280.51    20.45       260.06          51,991.75               42,622.13   $                 44,882.37
161                 4/14/2024             51,991.75               280.51          -                280.51    20.56       259.96          51,971.20               42,882.09   $                 45,162.88
162                 5/14/2024             51,971.20               280.51          -                280.51    20.66       259.86          51,950.54               43,141.95   $                 45,443.40
163                 6/14/2024             51,950.54               280.51          -                280.51    20.76       259.75          51,929.77               43,401.70   $                 45,723.91
164                 7/14/2024             51,929.77               280.51          -                280.51    20.87       259.65          51,908.91               43,661.35   $                 46,004.43
165                 8/14/2024             51,908.91               280.51          -                280.51    20.97       259.54          51,887.94               43,920.89   $                 46,284.94
166                 9/14/2024             51,887.94               280.51          -                280.51    21.08       259.44          51,866.86               44,180.33   $                 46,565.46
167                10/14/2024             51,866.86               280.51          -                280.51    21.18       259.33          51,845.68               44,439.67   $                 46,845.97
168                11/14/2024             51,845.68               280.51          -                280.51    21.29       259.23          51,824.40               44,698.89   $                 47,126.49
169                12/14/2024             51,824.40               280.51          -                280.51    21.39       259.12          51,803.00               44,958.02   $                 47,407.00
170                 1/14/2025             51,803.00               280.51          -                280.51    21.50       259.02          51,781.50               45,217.03   $                 47,687.52
171                 2/14/2025             51,781.50               280.51          -                280.51    21.61       258.91          51,759.90               45,475.94   $                 47,968.03
172                 3/14/2025             51,759.90               280.51          -                280.51    21.72       258.80          51,738.18               45,734.74   $                 48,248.55
173                 4/14/2025             51,738.18               280.51          -                280.51    21.82       258.69          51,716.36               45,993.43   $                 48,529.06
174                 5/14/2025             51,716.36               280.51          -                280.51    21.93       258.58          51,694.42               46,252.01   $                 48,809.57
175                 6/14/2025             51,694.42               280.51          -                280.51    22.04       258.47          51,672.38               46,510.48   $                 49,090.09
176                 7/14/2025             51,672.38               280.51          -                280.51    22.15       258.36          51,650.23               46,768.84   $                 49,370.60
177                 8/14/2025             51,650.23               280.51          -                280.51    22.26       258.25          51,627.97               47,027.10   $                 49,651.12
178                 9/14/2025             51,627.97               280.51          -                280.51    22.37       258.14          51,605.59               47,285.24   $                 49,931.63
179                10/14/2025             51,605.59               280.51          -                280.51    22.49       258.03          51,583.10               47,543.26   $                 50,212.15
180                11/14/2025             51,583.10               280.51          -                280.51    22.60       257.92          51,560.50               47,801.18   $                 50,492.66
181                12/14/2025             51,560.50               280.51          -                280.51    22.71       257.80          51,537.79               48,058.98   $                 50,773.18
182                 1/14/2026             51,537.79               280.51          -                280.51    22.83       257.69          51,514.97               48,316.67   $                 51,053.69
183                 2/14/2026             51,514.97               280.51          -                280.51    22.94       257.57          51,492.03               48,574.25   $                 51,334.21
184                 3/14/2026             51,492.03               280.51          -                280.51    23.05       257.46          51,468.97               48,831.71   $                 51,614.72
185                 4/14/2026             51,468.97               280.51          -                280.51    23.17       257.34          51,445.80               49,089.05   $                 51,895.24
186                 5/14/2026             51,445.80               280.51          -                280.51    23.29       257.23          51,422.52               49,346.28   $                 52,175.75
187                 6/14/2026             51,422.52               280.51          -                280.51    23.40       257.11          51,399.11               49,603.39   $                 52,456.27
188                 7/14/2026             51,399.11               280.51          -                280.51    23.52       257.00          51,375.59               49,860.39   $                 52,736.78
189                 8/14/2026             51,375.59               280.51          -                280.51    23.64       256.88          51,351.96               50,117.27   $                 53,017.30
190                 9/14/2026             51,351.96               280.51          -                280.51    23.76       256.76          51,328.20               50,374.03   $                 53,297.81
191                10/14/2026             51,328.20               280.51          -                280.51    23.87       256.64          51,304.33               50,630.67   $                 53,578.33
192                11/14/2026             51,304.33               280.51          -                280.51    23.99       256.52          51,280.34               50,887.19   $                 53,858.84
193                12/14/2026             51,280.34               280.51          -                280.51    24.11       256.40          51,256.22               51,143.59   $                 54,139.36
194                 1/14/2027             51,256.22               280.51          -                280.51    24.23       256.28          51,231.99               51,399.87   $                 54,419.87
195                 2/14/2027             51,231.99               280.51          -                280.51    24.35       256.16          51,207.63               51,656.03   $                 54,700.39
196                 3/14/2027             51,207.63               280.51          -                280.51    24.48       256.04          51,183.16               51,912.07   $                 54,980.90
197                 4/14/2027             51,183.16               280.51          -                280.51    24.60       255.92          51,158.56               52,167.98   $                 55,261.42
198                 5/14/2027             51,158.56               280.51          -                280.51    24.72       255.79          51,133.84               52,423.78   $                 55,541.93
199                 6/14/2027             51,133.84               280.51          -                280.51    24.85       255.67          51,108.99               52,679.45   $                 55,822.44
200                 7/14/2027             51,108.99               280.51          -                280.51    24.97       255.54          51,084.02               52,934.99   $                 56,102.96
201                 8/14/2027             51,084.02               280.51          -                280.51    25.09       255.42          51,058.93               53,190.41   $                 56,383.47
202                 9/14/2027             51,058.93               280.51          -                280.51    25.22       255.29          51,033.71               53,445.71   $                 56,663.99
203                10/14/2027             51,033.71               280.51          -                280.51    25.35       255.17          51,008.36               53,700.87   $                 56,944.50
204                11/14/2027             51,008.36               280.51          -                280.51    25.47       255.04          50,982.89               53,955.92   $                 57,225.02
205                12/14/2027             50,982.89               280.51          -                280.51    25.60       254.91          50,957.29               54,210.83   $                 57,505.53
206                 1/14/2028             50,957.29               280.51          -                280.51    25.73       254.79          50,931.56               54,465.62   $                 57,786.05
207                 2/14/2028             50,931.56               280.51          -                280.51    25.86       254.66          50,905.70               54,720.28   $                 58,066.56
208                 3/14/2028             50,905.70               280.51          -                280.51    25.99       254.53          50,879.71               54,974.80   $                 58,347.08
209                 4/14/2028             50,879.71               280.51          -                280.51    26.12       254.40          50,853.60               55,229.20   $                 58,627.59
210                 5/14/2028             50,853.60               280.51          -                280.51    26.25       254.27          50,827.35               55,483.47   $                 58,908.11
211                 6/14/2028             50,827.35               280.51          -                280.51    26.38       254.14          50,800.97               55,737.61   $                 59,188.62
212                 7/14/2028             50,800.97               280.51          -                280.51    26.51       254.00          50,774.46               55,991.61   $                 59,469.14
213                 8/14/2028             50,774.46               280.51          -                280.51    26.64       253.87          50,747.82               56,245.48   $                 59,749.65
214                 9/14/2028             50,747.82               280.51          -                280.51    26.78       253.74          50,721.05               56,499.22   $                 60,030.17
215                10/14/2028             50,721.05               280.51          -                280.51    26.91       253.61          50,694.14               56,752.83   $                 60,310.68
216                11/14/2028             50,694.14               280.51          -                280.51    27.04       253.47          50,667.09               57,006.30   $                 60,591.20
217                12/14/2028             50,667.09               280.51          -                280.51    27.18       253.34          50,639.91               57,259.63   $                 60,871.71
218                 1/14/2029             50,639.91               280.51          -                280.51    27.32       253.20          50,612.60               57,512.83   $                 61,152.23
219                 2/14/2029             50,612.60               280.51          -                280.51    27.45       253.06          50,585.15               57,765.90   $                 61,432.74
220                 3/14/2029             50,585.15               280.51          -                280.51    27.59       252.93          50,557.56               58,018.82   $                 61,713.26
221                 4/14/2029             50,557.56               280.51          -                280.51    27.73       252.79          50,529.83               58,271.61   $                 61,993.77
222                 5/14/2029             50,529.83               280.51          -                280.51    27.87       252.65          50,501.96               58,524.26   $                 62,274.29
223                 6/14/2029             50,501.96               280.51          -                280.51    28.00       252.51          50,473.96               58,776.77   $                 62,554.80
224                 7/14/2029             50,473.96               280.51          -                280.51    28.15       252.37          50,445.81               59,029.14   $                 62,835.31
225                 8/14/2029             50,445.81               280.51          -                280.51    28.29       252.23          50,417.53               59,281.37   $                 63,115.83
226                 9/14/2029             50,417.53               280.51          -                280.51    28.43       252.09          50,389.10               59,533.46   $                 63,396.34
227                10/14/2029             50,389.10               280.51          -                280.51    28.57       251.95          50,360.53               59,785.40   $                 63,676.86
228                11/14/2029             50,360.53               280.51          -                280.51    28.71       251.80          50,331.82               60,037.20   $                 63,957.37
229                12/14/2029             50,331.82               280.51          -                280.51    28.86       251.66          50,302.96               60,288.86   $                 64,237.89
230                 1/14/2030             50,302.96               280.51          -                280.51    29.00       251.51          50,273.96               60,540.38   $                 64,518.40
231                 2/14/2030             50,273.96               280.51          -                280.51    29.14       251.37          50,244.82               60,791.75   $                 64,798.92
232                 3/14/2030             50,244.82               280.51          -                280.51    29.29       251.22          50,215.53               61,042.97   $                 65,079.43
233                 4/14/2030             50,215.53               280.51          -                280.51    29.44       251.08          50,186.09               61,294.05   $                 65,359.95
234                 5/14/2030             50,186.09               280.51          -                280.51    29.58       250.93          50,156.51               61,544.98   $                 65,640.46
235                 6/14/2030             50,156.51               280.51          -                280.51    29.73       250.78          50,126.77               61,795.76   $                 65,920.98
236                 7/14/2030             50,126.77               280.51          -                280.51    29.88       250.63          50,096.89               62,046.40   $                 66,201.49
237                 8/14/2030             50,096.89               280.51          -                280.51    30.03       250.48          50,066.86               62,296.88   $                 66,482.01
238                 9/14/2030             50,066.86               280.51          -                280.51    30.18       250.33          50,036.68               62,547.22   $                 66,762.52
239                10/14/2030             50,036.68               280.51          -                280.51    30.33       250.18          50,006.35               62,797.40   $                 67,043.04
240                11/14/2030             50,006.35               280.51          -                280.51    30.48       250.03          49,975.87               63,047.43   $                 67,323.55
241                12/14/2030             49,975.87               280.51          -                280.51    30.64       249.88          49,945.23               63,297.31   $                 67,604.07
242                 1/14/2031             49,945.23               280.51          -                280.51    30.79       249.73          49,914.44               63,547.04   $                 67,884.58
243                 2/14/2031             49,914.44               280.51          -                280.51    30.94       249.57          49,883.50               63,796.61   $                 68,165.10
244                 3/14/2031             49,883.50               280.51          -                280.51    31.10       249.42          49,852.40               64,046.03   $                 68,445.61
245                 4/14/2031             49,852.40               280.51          -                280.51    31.25       249.26          49,821.15               64,295.29   $                 68,726.13
246                 5/14/2031             49,821.15               280.51          -                280.51    31.41       249.11          49,789.74               64,544.39   $                 69,006.64
247                 6/14/2031             49,789.74               280.51          -                280.51    31.57       248.95          49,758.18               64,793.34   $                 69,287.16
248                 7/14/2031             49,758.18               280.51          -                280.51    31.72       248.79          49,726.45               65,042.13   $                 69,567.67
249                 8/14/2031             49,726.45               280.51          -                280.51    31.88       248.63          49,694.57               65,290.77   $                 69,848.18
250                 9/14/2031             49,694.57               280.51          -                280.51    32.04       248.47          49,662.53               65,539.24   $                 70,128.70
251                10/14/2031             49,662.53               280.51          -                280.51    32.20       248.31          49,630.33               65,787.55   $                 70,409.21
252                11/14/2031             49,630.33               280.51          -                280.51    32.36       248.15          49,597.96               66,035.70   $                 70,689.73
253                12/14/2031             49,597.96               280.51          -                280.51    32.52       247.99          49,565.44               66,283.69   $                 70,970.24
254                 1/14/2032             49,565.44               280.51          -                280.51    32.69       247.83          49,532.75               66,531.52   $                 71,250.76
255                 2/14/2032             49,532.75               280.51          -                280.51    32.85       247.66          49,499.90               66,779.18   $                 71,531.27
256                 3/14/2032             49,499.90               280.51          -                280.51    33.02       247.50          49,466.88               67,026.68   $                 71,811.79
257                 4/14/2032             49,466.88               280.51          -                280.51    33.18       247.33          49,433.70               67,274.02   $                 72,092.30
258                 5/14/2032             49,433.70               280.51          -                280.51    33.35       247.17          49,400.36               67,521.19   $                 72,372.82
259                 6/14/2032             49,400.36               280.51          -                280.51    33.51       247.00          49,366.84               67,768.19   $                 72,653.33
260                 7/14/2032             49,366.84               280.51          -                280.51    33.68       246.83          49,333.16               68,015.02   $                 72,933.85
261                 8/14/2032             49,333.16               280.51          -                280.51    33.85       246.67          49,299.31               68,261.69   $                 73,214.36
262                 9/14/2032             49,299.31               280.51          -                280.51    34.02       246.50          49,265.30               68,508.18   $                 73,494.88
263                10/14/2032             49,265.30               280.51          -                280.51    34.19       246.33          49,231.11               68,754.51   $                 73,775.39
264                11/14/2032             49,231.11               280.51          -                280.51    34.36       246.16          49,196.75               69,000.67   $                 74,055.91
265                12/14/2032             49,196.75               280.51          -                280.51    34.53       245.98          49,162.22               69,246.65   $                 74,336.42
266                 1/14/2033             49,162.22               280.51          -                280.51    34.70       245.81          49,127.51               69,492.46   $                 74,616.94
267                 2/14/2033             49,127.51               280.51          -                280.51    34.88       245.64          49,092.64               69,738.10   $                 74,897.45
268                 3/14/2033             49,092.64               280.51          -                280.51    35.05       245.46          49,057.59               69,983.56   $                 75,177.97
269                 4/14/2033             49,057.59               280.51          -                280.51    35.23       245.29          49,022.36               70,228.85   $                 75,458.48
270                 5/14/2033             49,022.36               280.51          -                280.51    35.40       245.11          48,986.96               70,473.96   $                 75,739.00
271                 6/14/2033             48,986.96               280.51          -                280.51    35.58       244.93          48,951.38               70,718.90   $                 76,019.51
272                 7/14/2033             48,951.38               280.51          -                280.51    35.76       244.76          48,915.62               70,963.65   $                 76,300.03
273                 8/14/2033             48,915.62               280.51          -                280.51    35.94       244.58          48,879.68               71,208.23   $                 76,580.54
274                 9/14/2033             48,879.68               280.51          -                280.51    36.12       244.40          48,843.56               71,452.63   $                 76,861.05
275                10/14/2033             48,843.56               280.51          -                280.51    36.30       244.22          48,807.27               71,696.85   $                 77,141.57
276                11/14/2033             48,807.27               280.51          -                280.51    36.48       244.04          48,770.79               71,940.88   $                 77,422.08
277                12/14/2033             48,770.79               280.51          -                280.51    36.66       243.85          48,734.13               72,184.74   $                 77,702.60
278                 1/14/2034             48,734.13               280.51          -                280.51    36.84       243.67          48,697.28               72,428.41   $                 77,983.11
279                 2/14/2034             48,697.28               280.51          -                280.51    37.03       243.49          48,660.26               72,671.90   $                 78,263.63
280                 3/14/2034             48,660.26               280.51          -                280.51    37.21       243.30          48,623.04               72,915.20   $                 78,544.14
281                 4/14/2034             48,623.04               280.51          -                280.51    37.40       243.12          48,585.64               73,158.31   $                 78,824.66
282                 5/14/2034             48,585.64               280.51          -                280.51    37.59       242.93          48,548.06               73,401.24   $                 79,105.17
283                 6/14/2034             48,548.06               280.51          -                280.51    37.77       242.74          48,510.28               73,643.98   $                 79,385.69
284                 7/14/2034             48,510.28               280.51          -                280.51    37.96       242.55          48,472.32               73,886.53   $                 79,666.20
285                 8/14/2034             48,472.32               280.51          -                280.51    38.15       242.36          48,434.16               74,128.89   $                 79,946.72
286                 9/14/2034             48,434.16               280.51          -                280.51    38.34       242.17          48,395.82               74,371.06   $                 80,227.23
287                10/14/2034             48,395.82               280.51          -                280.51    38.54       241.98          48,357.28               74,613.04   $                 80,507.75
288                11/14/2034             48,357.28               280.51          -                280.51    38.73       241.79          48,318.56               74,854.83   $                 80,788.26
289                12/14/2034             48,318.56               280.51          -                280.51    38.92       241.59          48,279.63               75,096.42   $                 81,068.78
290                 1/14/2035             48,279.63               280.51          -                280.51    39.12       241.40          48,240.52               75,337.82   $                 81,349.29
291                 2/14/2035             48,240.52               280.51          -                280.51    39.31       241.20          48,201.21               75,579.02   $                 81,629.81
292                 3/14/2035             48,201.21               280.51          -                280.51    39.51       241.01          48,161.70               75,820.03   $                 81,910.32
293                 4/14/2035             48,161.70               280.51          -                280.51    39.71       240.81          48,121.99               76,060.84   $                 82,190.84
294                 5/14/2035             48,121.99               280.51          -                280.51    39.90       240.61          48,082.09               76,301.45   $                 82,471.35
295                 6/14/2035             48,082.09               280.51          -                280.51    40.10       240.41          48,041.98               76,541.86   $                 82,751.87
296                 7/14/2035             48,041.98               280.51          -                280.51    40.30       240.21          48,001.68               76,782.07   $                 83,032.38
297                 8/14/2035             48,001.68               280.51          -                280.51    40.51       240.01          47,961.17               77,022.08   $                 83,312.89
298                 9/14/2035             47,961.17               280.51          -                280.51    40.71       239.81          47,920.46               77,261.88   $                 83,593.41
299                10/14/2035             47,920.46               280.51          -                280.51    40.91       239.60          47,879.55               77,501.48   $                 83,873.92
300                11/14/2035             47,879.55               280.51          -                280.51    41.12       239.40          47,838.43               77,740.88   $                 84,154.44
301                12/14/2035             47,838.43               280.51          -                280.51    41.32       239.19          47,797.11               77,980.07   $                 84,434.95
302                 1/14/2036             47,797.11               280.51          -                280.51    41.53       238.99          47,755.58               78,219.06   $                 84,715.47
303                 2/14/2036             47,755.58               280.51          -                280.51    41.74       238.78          47,713.84               78,457.84   $                 84,995.98
304                 3/14/2036             47,713.84               280.51          -                280.51    41.95       238.57          47,671.90               78,696.41   $                 85,276.50
305                 4/14/2036             47,671.90               280.51          -                280.51    42.16       238.36          47,629.74               78,934.77   $                 85,557.01
306                 5/14/2036             47,629.74               280.51          -                280.51    42.37       238.15          47,587.38               79,172.91   $                 85,837.53
307                 6/14/2036             47,587.38               280.51          -                280.51    42.58       237.94          47,544.80               79,410.85   $                 86,118.04
308                 7/14/2036             47,544.80               280.51          -                280.51    42.79       237.72          47,502.01               79,648.58   $                 86,398.56
309                 8/14/2036             47,502.01               280.51          -                280.51    43.00       237.51          47,459.00               79,886.09   $                 86,679.07
310                 9/14/2036             47,459.00               280.51          -                280.51    43.22       237.30          47,415.78               80,123.38   $                 86,959.59
311                10/14/2036             47,415.78               280.51          -                280.51    43.44       237.08          47,372.35               80,360.46   $                 87,240.10
312                11/14/2036             47,372.35               280.51          -                280.51    43.65       236.86          47,328.69               80,597.32   $                 87,520.62
313                12/14/2036             47,328.69               280.51          -                280.51    43.87       236.64          47,284.82               80,833.96   $                 87,801.13
314                 1/14/2037             47,284.82               280.51          -                280.51    44.09       236.42          47,240.73               81,070.39   $                 88,081.65
315                 2/14/2037             47,240.73               280.51          -                280.51    44.31       236.20          47,196.42               81,306.59   $                 88,362.16
316                 3/14/2037             47,196.42               280.51          -                280.51    44.53       235.98          47,151.89               81,542.57   $                 88,642.68
317                 4/14/2037             47,151.89               280.51          -                280.51    44.76       235.76          47,107.13               81,778.33   $                 88,923.19
318                 5/14/2037             47,107.13               280.51          -                280.51    44.98       235.54          47,062.15               82,013.87   $                 89,203.71
319                 6/14/2037             47,062.15               280.51          -                280.51    45.20       235.31          47,016.95               82,249.18   $                 89,484.22
320                 7/14/2037             47,016.95               280.51          -                280.51    45.43       235.08          46,971.52               82,484.27   $                 89,764.74
321                 8/14/2037             46,971.52               280.51          -                280.51    45.66       234.86          46,925.86               82,719.12   $                 90,045.25
322                 9/14/2037             46,925.86               280.51          -                280.51    45.89       234.63          46,879.98               82,953.75   $                 90,325.76
323                10/14/2037             46,879.98               280.51          -                280.51    46.11       234.40          46,833.86               83,188.15   $                 90,606.28
324                11/14/2037             46,833.86               280.51          -                280.51    46.35       234.17          46,787.52               83,422.32   $                 90,886.79
                                                                                                                                                                                                        Princi
   Payment #                  Payment Date                 Beginning Balance                   Scheduled Payment Extra Payment                                         Total Payment                     pal        Interest     Ending Balance     Cumulative Interest         Cumulative Payments
325                                       12/14/2037                          46,787.52                                   280.51                           -                                 280.51       46.58         233.94          46,740.94               83,656.26   $                 91,167.31
326                                        1/14/2038                          46,740.94                                   280.51                           -                                 280.51       46.81         233.70          46,694.13               83,889.96   $                 91,447.82
327                                        2/14/2038                          46,694.13                                   280.51                           -                                 280.51       47.04         233.47          46,647.08               84,123.43   $                 91,728.34
328                                        3/14/2038                          46,647.08                                   280.51                           -                                 280.51       47.28         233.24          46,599.81               84,356.67   $                 92,008.85
329                                        4/14/2038                          46,599.81                                   280.51                           -                                 280.51       47.52         233.00          46,552.29               84,589.67   $                 92,289.37
330                                        5/14/2038                          46,552.29                                   280.51                           -                                 280.51       47.75         232.76          46,504.54               84,822.43   $                 92,569.88
331                                        6/14/2038                          46,504.54                                   280.51                           -                                 280.51       47.99         232.52          46,456.54               85,054.95   $                 92,850.40
332                                        7/14/2038                          46,456.54                                   280.51                           -                                 280.51       48.23         232.28          46,408.31               85,287.24   $                 93,130.91
333                                        8/14/2038                          46,408.31                                   280.51                           -                                 280.51       48.47         232.04          46,359.84               85,519.28   $                 93,411.43
334                                        9/14/2038                          46,359.84                                   280.51                           -                                 280.51       48.72         231.80          46,311.12               85,751.08   $                 93,691.94
335                                       10/14/2038                          46,311.12                                   280.51                           -                                 280.51       48.96         231.56          46,262.16               85,982.63   $                 93,972.46
336                                       11/14/2038                          46,262.16                                   280.51                           -                                 280.51       49.20         231.31          46,212.96               86,213.94   $                 94,252.97
337                                       12/14/2038                          46,212.96                                   280.51                           -                                 280.51       49.45         231.06          46,163.51               86,445.01   $                 94,533.49
338                                        1/14/2039                          46,163.51                                   280.51                           -                                 280.51       49.70         230.82          46,113.81               86,675.83   $                 94,814.00
339                                        2/14/2039                          46,113.81                                   280.51                           -                                 280.51       49.95         230.57          46,063.87               86,906.39   $                 95,094.52
340                                        3/14/2039                          46,063.87                                   280.51                           -                                 280.51       50.20         230.32          46,013.67               87,136.71   $                 95,375.03
341                                        4/14/2039                          46,013.67                                   280.51                           -                                 280.51       50.45         230.07          45,963.22               87,366.78   $                 95,655.55
342                                        5/14/2039                          45,963.22                                   280.51                           -                                 280.51       50.70         229.82          45,912.53               87,596.60   $                 95,936.06
343                                        6/14/2039                          45,912.53                                   280.51                           -                                 280.51       50.95         229.56          45,861.57               87,826.16   $                 96,216.58
344                                        7/14/2039                          45,861.57                                   280.51                           -                                 280.51       51.21         229.31          45,810.37               88,055.47   $                 96,497.09
345                                        8/14/2039                          45,810.37                                   280.51                           -                                 280.51       51.46         229.05          45,758.90               88,284.52   $                 96,777.61
346                                        9/14/2039                          45,758.90                                   280.51                           -                                 280.51       51.72         228.79          45,707.18               88,513.32   $                 97,058.12
347                                       10/14/2039                          45,707.18                                   280.51                           -                                 280.51       51.98         228.54          45,655.21               88,741.85   $                 97,338.63
348                                       11/14/2039                          45,655.21                                   280.51                           -                                 280.51       52.24         228.28          45,602.97               88,970.13   $                 97,619.15
349                                       12/14/2039                          45,602.97                                   280.51                           -                                 280.51       52.50         228.01          45,550.47               89,198.14   $                 97,899.66
350                                        1/14/2040                          45,550.47                                   280.51                           -                                 280.51       52.76         227.75          45,497.70               89,425.89   $                 98,180.18
351                                        2/14/2040                          45,497.70                                   280.51                           -                                 280.51       53.03         227.49          45,444.68               89,653.38   $                 98,460.69
352                                        3/14/2040                          45,444.68                                   280.51                           -                                 280.51       53.29         227.22          45,391.39               89,880.61   $                 98,741.21
353                                        4/14/2040                          45,391.39                                   280.51                           -                                 280.51       53.56         226.96          45,337.83               90,107.56   $                 99,021.72
354                                        5/14/2040                          45,337.83                                   280.51                           -                                 280.51       53.83         226.69          45,284.00               90,334.25   $                 99,302.24
355                                        6/14/2040                          45,284.00                                   280.51                           -                                 280.51       54.09         226.42          45,229.91               90,560.67   $                 99,582.75
356                                        7/14/2040                          45,229.91                                   280.51                           -                                 280.51       54.37         226.15          45,175.54               90,786.82   $                 99,863.27
357                                        8/14/2040                          45,175.54                                   280.51                           -                                 280.51       54.64         225.88          45,120.91               91,012.70   $                100,143.78
358                                        9/14/2040                          45,120.91                                   280.51                           -                                 280.51       54.91         225.60          45,066.00               91,238.30   $                100,424.30
359                                       10/14/2040                          45,066.00                                   280.51                           -                                 280.51       55.18         225.33          45,010.81               91,463.63   $                100,704.81
360                                       11/14/2040                          45,010.81                                   280.51                           -                                 280.51       55.46         225.05          44,955.35               91,688.69   $                100,985.33
Note. The calculator accurately calculates interest for any loan period, and if you would like to see specific payments for periods more than thirty years from now feel free to extend the values in this table.
        Calculations for Figures 2a and 2b: Average Expenditures Per
                                    Person

                                                                                                                               Individual Expenditure
                                                                                   Average (2.5 person)
                                                                                                          Average Individual  Per Month Including Cost
                               Expenditures                                       Household Expenditure
                                                                                                        Expenditure Per Month of The Generational Theft
                                                                                        Per Year*
                                                                                                                                     Act of 2009

Food at Home                                                                              $3,465                $115.50                 $115.50
Food Away from Home                                                                       $2,668                $88.93                   $88.93
Alcoholic Beverages                                                                        $457                 $15.23                   $15.23
Shelter                                                                                  $10,023                $334.10                 $334.10
Utilities, Fuel and Public Services                                                       $3,477                $115.90                 $115.90
Household Operations                                                                       $984                 $32.80                   $32.80
Household Supplies                                                                         $639                 $21.30                   $21.30
Household Furnishings and Equipment                                                       $1,797                $59.90                   $59.90
Apparel and Services                                                                      $1,881                $62.70                   $62.70
Transportation                                                                            $8,758                $291.93                 $291.93
Health Care                                                                               $2,853                $95.10                   $95.10
Entertainment and Recreation                                                              $2,698                $89.93                   $89.93
Personal Care Products                                                                     $588                 $19.60                   $19.60
Education                                                                                  $945                 $31.50                   $31.50
Smoking Products                                                                           $323                 $10.77                   $10.77
Miscellaneous**                                                                            $808                 $26.93                   $26.93
Support Payments/Cash Contributions                                                       $1,821                $60.70                   $60.70
Life/Other Insurance                                                                       $309                 $10.30                   $10.30
Personal Taxes, Pensions and Social Security                                              $7,260                $242.00                 $242.00
Reading                                                                                    $118                  $3.93                   $3.93
Gifts of Goods & Contributions                                                            $1,198                $39.93                   $39.93
What you must pay for The Generational Theft Act of 2009                                                         $0.00                  $280.51

Average Income Before Taxes                                                              $63,091
Yearly Expenditures                                                                      $53,070
Discretionary Income                                                                     $10,021                $835.08                 $554.57
*Data are from the Bureau of Labor Statistics Consumer Expenditure Survey, 2007
Calculations for Figures 3a and 3b: Average Yearly and Cumulative Income

                                                    Average yearly                                                                                                                Average yearly Average yearly
                                                                                                                         Average future cumulative
                           Number                     income for                                   Average future                                                        Number      income for    earnings minus
                                                                                Yearly income                          earnings (for a 22 year old who
                  Your Age of Years               Americans by age                            cumulative earnings (for                                          Your Age of Years Americans by       cost of The
      Year                                                                      minus cost of                           will earn money until age 79)    Year
                   in Year  from                  (assuming people                             a 22 year old who will                                            in Year  from     age* assuming    Generational
                                                                                   bailout                             minus cost of The Generational
                             Now                  will earn until age                         earn money until age 79)                                                     Now    people will earn  Theft Act of
                                                                                                                              Theft Act of 2009
                                                          79)                                                                                                                       until age 79        2009

       2009            22              0                   $14,013                    $10,647           $14,013                     $10,647              2009      22       0          $14,013         $10,647
       2010            23              1                   $14,013                    $10,647           $28,026                     $21,294              2019      32       10         $36,582         $33,216
       2011            24              2                   $14,013                    $10,647           $42,039                     $31,940              2029      42       20         $47,300         $43,934
       2012            25              3                   $36,582                    $33,216           $78,621                     $65,156              2039      52       30         $49,348         $45,982
       2013            26              4                   $36,582                    $33,216          $115,203                     $98,372              2049      62       40         $46,064         $42,698
       2014            27              5                   $36,582                    $33,216          $151,785                    $131,588              2059      72       50         $32,775         $29,409
       2015            28              6                   $36,582                    $33,216          $188,367                    $164,804              2069      82       60           $0              $0
       2016            29              7                   $36,582                    $33,216          $224,949                    $198,020              2079
       2017            30              8                   $36,582                    $33,216          $261,531                    $231,235              2089
       2018            31              9                   $36,582                    $33,216          $298,113                    $264,451              2099
       2019            32              10                  $36,582                    $33,216          $334,695                    $297,667
       2020            33              11                  $36,582                    $33,216          $371,277                    $330,883
       2021            34              12                  $36,582                    $33,216          $407,859                    $364,099
       2022            35              13                  $47,300                    $43,934          $455,159                    $408,033
       2023            36              14                  $47,300                    $43,934          $502,459                    $451,966
       2024            37              15                  $47,300                    $43,934          $549,759                    $495,900
       2025            38              16                  $47,300                    $43,934          $597,059                    $539,834
       2026            39              17                  $47,300                    $43,934          $644,359                    $583,768
       2027            40              18                  $47,300                    $43,934          $691,659                    $627,702
       2028            41              19                  $47,300                    $43,934          $738,959                    $671,635
       2029            42              20                  $47,300                    $43,934          $786,259                    $715,569
       2030            43              21                  $47,300                    $43,934          $833,559                    $759,503
       2031            44              22                  $47,300                    $43,934          $880,859                    $803,437
       2032            45              23                  $49,348                    $45,982          $930,207                    $849,419
       2033            46              24                  $49,348                    $45,982          $979,555                    $895,401
       2034            47              25                  $49,348                    $45,982         $1,028,903                   $941,382
       2035            48              26                  $49,348                    $45,982         $1,078,251                   $987,364
       2036            49              27                  $49,348                    $45,982         $1,127,599                  $1,033,346
       2037            50              28                  $49,348                    $45,982         $1,176,947                  $1,079,328
       2038            51              29                  $49,348                    $45,982         $1,226,295                  $1,125,310
       2039            52              30                  $49,348                    $45,982         $1,275,643                  $1,171,291
       2040            53              31                  $49,348                    $45,982         $1,324,991                  $1,217,273
       2041            54              32                  $49,348                    $45,982         $1,374,339                  $1,263,255
       2042            55              33                  $46,064                    $42,698         $1,420,403                  $1,305,953
       2043            56              34                  $46,064                    $42,698         $1,466,467                  $1,348,651
       2044            57              35                  $46,064                    $42,698         $1,512,531                  $1,391,349
       2045            58              36                  $46,064                    $42,698         $1,558,595                  $1,434,046
       2046            59              37                  $46,064                    $42,698         $1,604,659                  $1,476,744
       2047            60              38                  $46,064                    $42,698         $1,650,723                  $1,519,442
       2048            61              39                  $46,064                    $42,698         $1,696,787                  $1,562,140
       2049            62              40                  $46,064                    $42,698         $1,742,851                  $1,604,838
       2050            63              41                  $46,064                    $42,698         $1,788,915                  $1,647,536
       2051            64              42                  $46,064                    $42,698         $1,834,979                  $1,690,233
       2052            65              43                  $32,775                    $29,409         $1,867,754                  $1,719,642
       2053            66              44                  $32,775                    $29,409         $1,900,529                  $1,749,051
       2054            67              45                  $32,775                    $29,409         $1,933,304                  $1,778,460
       2055            68              46                  $32,775                    $29,409         $1,966,079                  $1,807,869
       2056            69              47                  $32,775                    $29,409         $1,998,854                  $1,837,277
       2057            70              48                  $32,775                    $29,409         $2,031,629                  $1,866,686
       2058            71              49                  $32,775                    $29,409         $2,064,404                  $1,896,095
       2059            72              50                  $32,775                    $29,409         $2,097,179                  $1,925,504
       2060            73              51                  $32,775                    $29,409         $2,129,954                  $1,954,913
       2061            74              52                  $32,775                    $29,409         $2,162,729                  $1,984,322
       2062            75              53                  $23,794                    $20,428         $2,186,523                  $2,004,749
       2063            76              54                  $23,794                    $20,428         $2,210,317                  $2,025,177
       2064            77              55                  $23,794                    $20,428         $2,234,111                  $2,045,605
       2065            78              56                  $23,794                    $20,428         $2,257,905                  $2,066,033
       2066                            57                    $0                         $0            $2,257,905                  $2,066,033
       2067                            58                    $0                         $0            $2,257,905                  $2,066,033
       2068                            59                    $0                         $0            $2,257,905                  $2,066,033
       2069                            60                    $0                         $0            $2,257,905                  $2,066,033
       2070                            61                    $0                         $0            $2,257,905                  $2,066,033
       2071                            62                    $0                         $0            $2,257,905                  $2,066,033
       2072                            63                    $0                         $0            $2,257,905                  $2,066,033
       2073                            64                    $0                         $0            $2,257,905                  $2,066,033
       2074                            65                    $0                         $0            $2,257,905                  $2,066,033
       2075                            66                    $0                         $0            $2,257,905                  $2,066,033
       2076                            67                    $0                         $0            $2,257,905                  $2,066,033
       2077                            68                    $0                         $0            $2,257,905                  $2,066,033
       2078                            69                    $0                         $0            $2,257,905                  $2,066,033
       2079                            70                    $0                         $0            $2,257,905                  $2,066,033
       2080                            71                    $0                         $0            $2,257,905                  $2,066,033
       2081                            72                    $0                         $0            $2,257,905                  $2,066,033
       2082                            73                    $0                         $0            $2,257,905                  $2,066,033
       2083                            74                    $0                         $0            $2,257,905                  $2,066,033
       2084                            75                    $0                         $0            $2,257,905                  $2,066,033
       2085                            76                    $0                         $0            $2,257,905                  $2,066,033
       2086                            77                    $0                         $0            $2,257,905                  $2,066,033
       2087                            78                    $0                         $0            $2,257,905                  $2,066,033
       2088                            79                    $0                         $0            $2,257,905                  $2,066,033
       2089                            80                    $0                         $0            $2,257,905                  $2,066,033
       2090                            81                    $0                         $0            $2,257,905                  $2,066,033
       2091                            82                    $0                         $0            $2,257,905                  $2,066,033
       2092                            83                    $0                         $0            $2,257,905                  $2,066,033
       2093                            84                    $0                         $0            $2,257,905                  $2,066,033
       2094                            85                    $0                         $0            $2,257,905                  $2,066,033
       2095                            86                    $0                         $0            $2,257,905                  $2,066,033
       2096                            87                    $0                         $0            $2,257,905                  $2,066,033
       2097                            88                    $0                         $0            $2,257,905                  $2,066,033
       2098                            89                    $0                         $0            $2,257,905                  $2,066,033
       2099                            90                    $0                         $0            $2,257,905                  $2,066,033
       2100                            91                    $0                         $0            $2,257,905                  $2,066,033
       2101                            92                    $0                         $0            $2,257,905                  $2,066,033
       2102                            93                    $0                         $0            $2,257,905                  $2,066,033
       2103                            94                    $0                         $0            $2,257,905                  $2,066,033
       2104                            95                    $0                         $0            $2,257,905                  $2,066,033
       2105                            96                    $0                         $0            $2,257,905                  $2,066,033
       2106                            97                    $0                         $0            $2,257,905                  $2,066,033
       2107                            98                    $0                         $0            $2,257,905                  $2,066,033

   Sources for Income Data By Age are from U.S. Census Bureau, Historical Income Tables, Table P10

				
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