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					Assumptions                                  Growth Rate              Tax Filing: Jointly (1) Single (2)     2          3rd&4th Brackets:      Jointly    Single       2
Starting Base Salary             $150,000      8.00%                  1st Brck $     $43,050    $25,570     $25,570              3rd Brck $    $158,550   $130,250   $130,250
Annual Incentive Bonus            $30,000      2.50%                  1st Brck %      15.00%     15.00%     15.00%               3rd Brck %      31.00%     31.00%    31.00%
401K Contribution Limit           $10,000      3.00%                  2nd Brck $    $104,050    $62,450     $62,450              4th Brck $      36.00%     36.00%    36.00%
Signing Bonus                          $0                             2nd Brck %      28.00%     28.00%     28.00%
Current Age (yrs)                  27                                 ADJUST BLUE CELLS ONLY
                                 Age 27       Age 28       Age 29       Age 30     Age 31      Age 32      Age 33     Age 34       Age 35      Age 36     Age 37     Age 38     Age 39
                                 2000          2001         2002         2003      2004         2005        2006      2007         2008        2009       2010       2011       2012
Base Salary                       $150,000    $162,000     $174,960     $188,957   $204,073    $220,399    $238,031   $257,074     $277,640    $299,851   $323,839   $349,746   $377,726
Annual Incentive Bonus             $30,000     $30,750      $31,519      $32,307    $33,114     $33,942     $34,791    $35,661      $36,552     $37,466    $38,403    $39,363    $40,347
Signing Bonus                           $0
Total Compensation                $180,000     $192,750    $206,479     $221,264    $237,188   $254,341    $272,822   $292,734      $314,192   $337,317   $362,241   $389,108   $418,072
401k Contributions     15.0%       $10,000      $10,300     $10,609      $10,927     $11,255    $11,593     $11,941    $12,299       $12,668    $13,048    $13,439    $13,842    $14,258
Total Net Compensation            $170,000     $182,450    $195,870     $210,336    $225,933   $242,749    $260,881   $280,435      $301,524   $324,269   $348,802   $375,266   $403,815
Tax First Bracket                   $3,836       $3,836      $3,836       $3,836      $3,836     $3,836      $3,836     $3,836        $3,836     $3,836     $3,836     $3,836     $3,836
Tax Second Bracket                 $10,326      $10,326     $10,326      $10,326     $10,326    $10,326     $10,326    $10,326       $10,326    $10,326    $10,326    $10,326    $10,326
Tax Third Bracket                  $21,018      $21,018     $21,018      $21,018     $21,018    $21,018     $21,018    $21,018       $21,018    $21,018    $21,018    $21,018    $21,018
Tax Fourth Bracket                 $14,310      $18,792     $23,623      $28,831     $34,446    $40,500     $47,027    $54,067       $61,659    $69,847    $78,679    $88,206    $98,483
Total Federal Tax (Single)         $49,490      $53,972     $58,803      $64,011     $69,626    $75,679     $82,207    $89,247       $96,839   $105,027   $113,859   $123,386   $133,663
Fica Tax:       7.00% <$65,000      $4,550       $4,550      $4,550       $4,550      $4,550     $4,550      $4,550     $4,550        $4,550     $4,550     $4,550     $4,550     $4,550
State Tax:      5.95% MA           $10,115      $10,856     $11,654      $12,515     $13,443    $14,444     $15,522    $16,686       $17,941    $19,294    $20,754    $22,328    $24,027
Medicare:       1.43%               $2,426       $2,604      $2,796       $3,002      $3,225     $3,465      $3,724     $4,003        $4,304     $4,628     $4,979     $5,356     $5,764
Total Taxes Paid                   $66,581      $71,982     $77,803      $84,078     $90,843    $98,138    $106,003   $114,485      $123,633   $133,499   $144,141   $155,620   $168,004
Net Compensation                  $103,419     $110,468    $118,067     $126,258    $135,089   $144,611    $154,878   $165,950      $177,891   $190,770   $204,661   $219,646   $235,811
AMORTIZATION TABLE
Interest Rate                 7.0%                 Loan Value:    $500,000
Amortization Period        30 years
Monthly Payment               $3,358
              Beginning                              Total       Ending
       Year       Balance   Interest   Principal    Payment      Balance
          1       $500,000  $35,000      $5,293       $40,293    $494,707
          2       494,707    34,629       5,664        40,293     489,043
          3       489,043    34,233       6,060        40,293     482,983
          4       482,983    33,809       6,484        40,293     476,498
          5       476,498    33,355       6,938        40,293     469,560
          6       469,560    32,869       7,424        40,293     462,136
          7       462,136    32,350       7,944        40,293     454,193
          8       454,193    31,793       8,500        40,293     445,693
          9       445,693    31,198       9,095        40,293     436,598
         10       436,598    30,562       9,731        40,293     426,867
         11       426,867    29,881      10,413        40,293     416,454
         12       416,454    29,152      11,141        40,293     405,313
         13       405,313    28,372      11,921        40,293     393,392
         14       393,392    27,537      12,756        40,293     380,636
         15       380,636    26,645      13,649        40,293     366,987
         16       366,987    25,689      14,604        40,293     352,383
         17       352,383    24,667      15,626        40,293     336,757
         18       336,757    23,573      16,720        40,293     320,036
         19       320,036    22,403      17,891        40,293     302,146
         20       302,146    21,150      19,143        40,293     283,003
         21       283,003    19,810      20,483        40,293     262,520
         22       262,520    18,376      21,917        40,293     240,603
         23       240,603    16,842      23,451        40,293     217,152
         24       217,152    15,201      25,093        40,293     192,059
         25       192,059    13,444      26,849        40,293     165,210
         26       165,210    11,565      28,728        40,293     136,482
         27       136,482     9,554      30,739        40,293     105,742
         28       105,742     7,402      32,891        40,293       72,851
         29        72,851     5,100      35,194        40,293       37,657
         30        37,657     2,636      37,657        40,293            0
 Projected Annual Expenses                   Projected Monthly Expenses         Monthly Credit Card Est.
 Insurance(car/apt.) per yr:       $1,000    Monthly Rent            $1,500     Restaurants                 $250
 Health Insurance per yr:            $500    Monthly Utilities          $100    Gifts@yr        $2,000      $167
 Dental & Disability     yr:         $110    Monthly Parking              $0    Gas @yr           $800       $67
 Vacations                   yr:   $2,000    Gym Membership              $75    Clothing yr     $1,500      $125
 Other annual exp.       yr:                 Debt payments              $500    Other (phone etc.)          $545

 Total                             $3,610 Total              $2,175 Total                                  $1,153
                                          ADJUST BLUE CELLS ONLY

Monthly                            Jan          Feb       Mar         Apr          May        Jun          Jul
Aft./Tax Disposable Income          $8,618       $8,618   $8,618      $8,618        $8,618    $8,618       $8,618
Total Expenses
 Monthly Expenses                  $2,175        $2,175    $2,175      $2,175        $2,175    $2,175      $2,175
 Annual Expenses                     $301          $301      $301        $301          $301      $301        $301
 Credit Card Exp.                  $1,153        $1,153    $1,153      $1,153        $1,153    $1,153      $1,153
 Cum. Weekly Exp.                  $2,167        $2,167    $2,167      $2,167        $2,167    $2,167      $2,167
Total Expenses                     $5,796        $5,796    $5,796      $5,796        $5,796    $5,796      $5,796
Net Monthly Savings                $2,822        $2,822    $2,822      $2,822        $2,822    $2,822      $2,822
Cumulative Annual Savings          $2,822        $5,645    $8,467     $11,290      $14,112    $16,934   $19,757
Annual Disposable Income                       $103,419
Annual savings after tax and expenses           $33,869
Savings Rate as % of total income               19.92%              PLUG IN ANNUAL SALARY ASSUMPTIONS ON TAB TO THE
Savings Rate as % of after tax income           32.75%
         Estimated Weekly Expenses
         Food (lunches)           $50
         Food (other)             $50
         ATM Withdrawals        $200
         Other                  $200


         Total                  $500


           Aug       Sep      Oct       Nov        Dec
           $8,618    $8,618   $8,618    $8,618     $8,618

           $2,175    $2,175    $2,175    $2,175    $2,175
             $301      $301      $301      $301      $301
           $1,153    $1,153    $1,153    $1,153    $1,153
           $2,167    $2,167    $2,167    $2,167    $2,167
           $5,796    $5,796    $5,796    $5,796    $5,796
           $2,822    $2,822    $2,822    $2,822    $2,822
          $22,579   $25,401   $28,224   $31,046   $33,869



SSUMPTIONS ON TAB TO THE LEFT FIRST

				
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