Chapter 2-The Life Catalogue

 

Chapter 2 -

The Life Catalog...

Where

do you

want

to live?

This chapter is a list of homes and jobs you might want to aspire to have or be.

The houses are a rough estimate of what it takes to live and keep.

It was compiled off of facts from Zillow, Electric companies, and calling Govt offices.

The Jobs list tells you the money you will need for

college or school, the time you will spend in school

and

How much you will make

So go “Shop” for the life you want.

Do you wanna have a City High Rise Condo?

 

Typical Rent Of Condo:

Manhattan Average rent $3000.00 of a family sized condo.

Prices go up if you want a doorman or an elevator,

access to washer & dryer or gym.

Living in Manhattan in NYC you need to be a certain type of person.

In order to live comfortably in NYC your income needs to exceed $100,000.00 annually.

You need to enjoy living around all sorts of different people.

Most people use the subway and taxis to go everywhere and they walk a lot.

For every $3000.00 in pay you get $600.00 gets taken in taxes in NYC.

You will need to to go food shopping 3-5 times a week cause you cant bring as many

bags home on the bus or subway.

Do you wanna live in the Country On a Farm?

Typical Cost Of a 200 acre Dairy Farm with 5 bdroom 3 bath house and large barn:

In Kansas, $600,000.00

Taxes $4500.00 a year

Electric/Gas (house and barn) $1000.00 a month

Satellite Tv, $100.00

Equipment $300,000.00

30 Dairy Cows $60,000.00

Alfalfa Seed $400.00 a year

Savings Needed To Live Off Of During Droughts

$50,000.00

Factor in Vet bills, stud service and water bills.

Do you wanna live in a Expensive Mansion?

 

Typical Cost of a Mansion in Villanova, Pa: $1.5M +

Typical Mortgage: $6,000 a month

Yearly Taxes: $9,000.00

Yearly School Taxes: $3500.00

Monthly Cable: $300.00

Monthly Electric/Gas/Oil: $500.00

Homeowners Insurance: $684.00

Yearly Grounds Keeping: $2800.00+

Emergency Fund: $4000.00

Housekeeper/Laundry/Errand Runner: $21,000.00 a year

Do you wanna be a Traveler and live out of a hotel?

 

To live this life you either need to

1) Make a huge amount of money very fast and retire

2) Marry an older retired Multi Millionare

3) Be willing to live a very vagabond nomadic existence

to save up for airfare/transportation, food, hotel

(or other living arrangements)

and other expenses.

Do you wanna be a Suburbanite?

Typical cost of a typical suburban house: $250,000-$500,000

Typical Mortgage: $2,000 a month

Yearly Taxes: $2500

School Taxes: $100.00

Cable: $150.00

Electric/Gas/Oil: $200.00 - $500.00

Homeowners Insurance: $500.00

Yearly Grounds Keeping: $1400.00 - $2400.00 (depending on climate)

Emergency Fund: $2400.00

Do you wanna live in a log cabin in the woods of Washington State with no one around?

10 acre thickly wooded site $95,000.00

New Log Cabin Home $60,000.00

Power and Septic hookup included.

Mortgage $1075.00 a month

Taxes $900.00 a year

Electric: Varies if you use a fireplace and/or woodstove in the winter

Hunting/Fishing License $200.00

Do you wanna live in a beach house down by the shore?

Typical cost of a beach house in Wildwood, Nj :

$250,000.00

Mortgage: $1000.00 a month

Taxes: $1752.00 a year

Electric/Gas: $200.00 a month

Cable/Phone $200.00 a month

Insurance: $864.00 a year

Factor in regular painting from saltwater erosion

and

Upkeep after Hurricanes and Coastal Storm Flooding.

Do you wanna live on a houseboat?

I'll bet you never knew that you can raise a family on a houseboat did you?

You can! Many people do.

Cost of the above Houseboat: $200,000.00 - $500,000.00

You will be financing some of that, so you will have a “Mortgage” of

approximately $1500.00 a month

Docking cost (including electricity etc): $2000.00-$4000.00 a year

Insurance: $750.00 a year

It is suggested that you also save about 10% of the boats value in a bank account per year for maintenance...So if your boat costs $200,000.00, then you need $20,000.00 in a Fix It Account...

Also factor in School Taxes if you have a family, and Satellite TV and Phone.

Factor in saltwater erosion upkeep

and

Upheaval from having to move suddenly before Hurricanes and Coastal Storm Flooding.

Do You Wanna Live In Europe

A 2 bedroom apartment in Paris, France costs

€2000.00 a month

Utilities are €170.00 a month

Internet €27.00

If you earn €50,000.00 a year

You will pay €8260 in income taxes a year this includes the

exceptional Free French Universal Health Care System.

In France they have a 20% VAT tax on all merchandise,

except groceries and books so expect to pay a lot for goods.

So start learning French Now.

Do You Wanna Live In Japan

Living in Japan means you will need to get a 4 year college degree, in top fields, NOW in your native country, JUST to apply for a job JUST to apply for a work visa in Japan.

(or marry a Japanese man)

You will also need to start saving a lot of money to pay the deposit on your 1 bedroom apartment. Deposits are 3 to 6 months of rent in advance.

A typical 1 bedroom apartment costs: 60,000 Yen per month

So you need at least 180,000 yen JUST to move in.

On top of that:

Monthly Utilities: 20,342 Yen

Internet: 3759 Yen

Cellphone 3000 Yen

Not to mention all the yummy food you will want to eat will cost an average of

50,000 Yen

If your earnings are 292,000 Yen a month

The following are withheld as taxes

Income Tax, Employment Insurance, Health Insurance, Pension Insurance, Local Tax, and Local Tax Withholding...All adding up to 59,109 Yen

Or do you wanna live in the Tropics?

A 3bd 1 bth Single home in Grand Bahama Island will cost you: $250,000.00

All homes priced over $250,000.00 get taxed at 10%

ScotiaBank Mortgage Rate (8% interest) : $2500.00 a month

Expat Resident Card $500.00 a year

Electric: $500 a month

Phone: $100.00 a month

Cable: $150+

Utilities cost extra for deposits and long wait times to get them turned on. In the Bahamas,

so expect large bills.

Food is 30% more than US.

Cars and things rust faster due to salty air

The Government has strict residency requirements so be aware.

Or do you wanna live in a mobile home in the middle

of no where and live off the land in Wyoming?

100 Acres of Virgin property $50,000.00

New Mobile Home $30,000.00

Monthly Mortgage on land and house combined $700.00

Property And School Tax $260 a year

Stringing brand new power and gas lines to the property $1000 – $1500.00

New Septic System $9800.00

New Water Well and Hook Up. $6000.-$10,000.00

Power and gas $150.00 a month

Satellite Dish for TV and Internet and Phone $150.00 a month

Figure in costs of

Building a barn

Cattle

Horses

Feed

Vet Checkups

and a large shed for frozen food and a tractor.

You will spend long months alone in the cold snow, before the thaw.

No neighbors around for miles.

Your kids will be getting up early to catch the bus

You will have to learn how to treat humans and animals medically at times cause the Vet wont be able to come out to you.

Now that you have seen the

Houses and Lifestyles

available

and seen what they cost roughly

I will now present to you what various jobs

pay, how long you have to

attend school or college

and how much school/college costs,

so you can see what you need to do in order

to make that house/lifestyle happen for YOU

Jobs

Doctor

8 years college

$136,861 Tuition

$172,020 Median Pay

Lawyer

7 years college

$103,000Tuition

$113,000 Median Pay

Nurse

2-4 years

$25,000 Tuition

$64,000 Median Pay

Microbiologist

4 Years College

$52,000 College

$66,000 Median Pay

Pastor

2-4 Years College

$50,000 Tuition

$38,000 Median Pay

Real Estate Agent

1 Year School

$2000 Exam Fees

$79,000 Median Pay Plus Commission

McDonalds Worker

No College

Pay is $8.00 a hour

Construction Worker

College or Apprenticeship

$40,000 Median Salary

Farmer

No College

$50,000 Median Pay

Aesthetician

10 Months

Beauty School $10,000

$40,000 Median pay

Grocery Bagger

No College

$7.00 an hour

Fire Fighter

1 year College Fire Sciences Degree

$10,000 Tuition

$43,000 Median Pay for Non Volunteer Fire Fighters

Truck Driver

A Few Months Truck Driving School

$6000

$50,000 Median Salary

Cop

2 Years College

$20,000 Tuition

$63,000 Median Pay

Tv Weatherperson

2 Year Communications Degree ($45,000)

2 Year Meteorology Degree ($30,000)

$100,000 Median Salary

Veterinarian

8 Years College

$114,000 Tuition

$84,000 Median Pay

Landlord

No College

Pay depends on how much property you rent out.

Most landlords make $50,000 to $100,000

Teacher

4 Years College

$52,000 Tuition

$43,000 Median Pay

IT Technician

1-2 Year College

$27,000 Tuition

$43,000 Median Salary

Garbage Person

No College

$34,000 Median Pay

Mayor/politician

No College Needed But Most Have Law School Degrees

$63,000 Median Pay

Plumber

4 Years Apprenticeship

$10,000 for books and supplies

$48,000 Median Pay

Electrician

4 Year Apprenticeship

$4000 for books and supplies

$53,000 Median Pay

Secretary

Maybe 1 year in College

$5000 Tuition/Typing & Dictation School

$30,000 Median Pay

Business Person

3 Years College

$160,000 Tuition

$200,000 Median Pay

Walmart Associate

No College

Pay is less than $25,000 a year

P.A. Personal Assistant

$33,000 and up Salary

Chef

2 Year School

$52,000 Tuition

$50,000 and WAY UP

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