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{"sheet":"Taxes","index":2,"n_rows":48,"n_cols":10,"rows_kept":48,"cut":false,"hidden":false,"merged":[]}
["Inputs"]
[]
["Your Name","Jonny LeFevre"]
["Filing Status","Married Filing Jointly"]
["Your Income",57200,null,null,null,null,"Federal Tax"]
["Number of Dependents",0,null,null,null,null,"Single","Married Filing Jointly","Head of Household","Marginal Tax Rate"]
["State of Residence","Arizona",null,null,null,null,0,0,0,0.1]
[null,null,null,null,null,null,9075,18150,12950,0.15]
["Outputs (Federal Taxes)",null,null,null,null,null,36900,73800,49400,0.25]
["Income",{"$f":"B5","v":57200},null,null,null,null,89350,148850,127550,0.28000000000000003]
["Contributions To 401K",{"$f":"-B10*0.06","v":-3432},null,null,null,null,186350,226850,206600,0.33]
["Other Income",0,null,null,null,null,405100,405100,405100,0.35]
["Gross Income",{"$f":"SUM(B10:B12)","v":53768},null,null,null,null,406750,457000,432200,0.39600000000000002]
["Flexiable Spending",0]
["Adjusted Gross Income (AGI)",{"$f":"B13-B14","v":53768}]
["Standard Deduction",{"$f":"VLOOKUP(B4,G18:H21,2,FALSE)","v":12400},null,null,null,null,"http://www.irs.com/articles/2014-federal-tax-rates-personal-exemptions-and-standard-deductions"]
["Total Personal Exemption",{"$f":"B15-B16","v":41368},null,null,null,null,"Filing Status","Standard Deduction"]
["Dependent Exemptions",{"$f":"(B6+IF(B4=\"Married Filing Jointly\",2,IF(B4=\"Single\",1,1)))*H23","v":7900},null,null,null,null,"Single",6200]
["Taxable Income",{"$f":"B17-B18","v":33468},null,null,null,null,"Married Filing Jointly",12400]
["",null,null,null,null,null,"Married Filing Separately",6200]
["Tax Liablity",4373,null,null,null,null,"Head of Household",9100]
["Tax Credits"]
["Federal Taxes Owed",{"$f":"B21-B22","v":4373},null,null,null,null,"Personal Exemption",3950]
["Your Marginal Tax Rate Is",{"$f":"VLOOKUP(B5,IF(B4=G6,G7:J13,IF(B4=H6,H7:J13,I7:J13)),IF(B4=G6,4,IF(B4=H6,3,2)),TRUE)","v":0.15}]
[""]
["Social Security Taxes",{"$f":"(B10+B12)*H27","v":3546.4}]
["Medicare Taxes",{"$f":"(B10+B12)*H28","v":829.40000000000009},null,null,null,null,"Social Security",6.2E-2]
["Total Federal Taxes Owed",{"$f":"B23+B26+B27","v":8748.7999999999993},null,null,null,null,"Medicare",1.4500000000000001E-2]
[]
[]
["Outputs (State Taxes)",null,null,null,null,null,"State",{"$f":"LOWER(SUBSTITUTE(B7,\" \",\"\"))","v":"arizona"}]
["Income",{"$f":"B5","v":57200},null,null,null,null,"Single","Marginal Tax Rate"]
["Contributions To 401K",{"$f":"B11","v":-3432},null,null,null,null,0,2.5899999999999999E-2]
["Other Income",0,null,null,null,null,10000,2.8799999999999999E-2]
["Gross Income",{"$f":"SUM(B32:B34)","v":53768},null,null,null,null,25000,3.3599999999999998E-2]
["Flexiable Spending",0,null,null,null,null,50000,4.24E-2]
["Adjusted Gross Income (AGI)",{"$f":"B35-B36","v":53768},null,null,null,null,150000,4.5400000000000003E-2]
["Standard Deduction",{"$f":"VLOOKUP(B4,G18:H21,2,FALSE)","v":12400}]
["Total Personal Exemption",{"$f":"B37-B38","v":41368},null,null,null,null,"Married Filing Jointly","Marginal Tax Rate"]
["Dependent Exemptions",{"$f":"(B6+IF(B4=\"Married Filing Jointly\",2,IF(B4=\"Single\",1,1)))*H23","v":7900},null,null,null,null,0,2.5899999999999999E-2]
["Taxable Income",{"$f":"B39-B40","v":33468},null,null,null,null,20000,2.8799999999999999E-2]
["",null,null,null,null,null,50000,3.3599999999999998E-2]
["Tax Liablity",906,null,null,null,null,100000,4.24E-2]
["Tax Credits",null,null,null,null,null,300000,4.5400000000000003E-2]
["Total Taxes Owed",{"$f":"B43-B44","v":906}]
[""]
["Total Taxes Due",{"$f":"B45+B28","v":9654.7999999999993}]
["Money Leftover For You",{"$f":"B13-B45-B28","v":44113.2}]

{"sheet":"Debt Repayment Schedule","index":3,"n_rows":56,"n_cols":27,"rows_kept":56,"cut":false,"hidden":false,"merged":[]}
[]
[]
["Total Debt",{"$f":"SUM(B12:Y12)","v":10000},"Beginning Month:","August",null,null,null,"Do not include your Mortgage in this calculator.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay highest interest loan first"]
["Total Interest Paid",{"$f":"SUM(B56:B56)","v":368.18578051672654},"Beginning Year:",2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay shortest payoff loan first"]
["Total Interest and Principle",{"$f":"B4+B3","v":10368.185780516727},"Accelerator:",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
["Minimum Payments/Month",{"$f":"+SUM(B16:U16)","v":272.84699442116693},"Beginning Month",{"$f":"A17","v":"2015-08-01"}]
["Months Paid Off Early",{"$f":"COUNTIF(D$17:D$54, \"-\")","v":0},"Ending Month",{"$f":"DATE_PAID","v":"2018-09-01"}]
["Date Paid Off","2018-09-01","Years to Pay Off",{"$f":"(D7-D6)/365","v":3.0876712328767124}]
["Total Interest Saved",0,"Years Paid Early",{"$f":"MONTHS_EARLY/12","v":0}]
[]
["Debt:","Mountain Poop"]
["Balance Due",10000]
["APR",2.2400000000000003E-2]
["Monthly\n Interest Rate",{"$f":"(B$13)/12","v":1.8666666666666669E-3}]
["# of months\n to pay off",38]
["Amount of\n Scheduled payment",{"$f":"PMT(0.00186666666666667, 38, 10000)*-1","v":272.84699442116693},null,"Total Monthly Payments","Additional Payments"]
["2015-08-01",272.84699999999998,null,272.84699999999998,"-"]
["2015-09-01",272.84699999999998,null,272.84699999999998,"-"]
["2015-10-01",272.84699999999998,null,272.84699999999998,"-"]
["2015-11-01",272.84699999999998,null,272.84699999999998,"-"]
["2015-12-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-01-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-02-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-03-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-04-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-05-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-06-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-07-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-08-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-09-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-10-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-11-01",272.84699999999998,null,272.84699999999998,"-"]
["2016-12-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-01-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-02-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-03-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-04-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-05-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-06-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-07-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-08-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-09-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-10-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-11-01",272.84699999999998,null,272.84699999999998,"-"]
["2017-12-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-01-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-02-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-03-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-04-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-05-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-06-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-07-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-08-01",272.84699999999998,null,272.84699999999998,"-"]
["2018-09-01",272.8467805167258,null,272.8467805167258,"-"]
["Total Payments",{"$f":"SUM(B$17:B54)","v":10368.185780516718},null,{"$f":"SUM(D$17:D54)","v":10368.185780516718}]
["Total Interest Paid",368.18578051672654,null,{"$f":"SUM(B56:B56)","v":368.18578051672654}]

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[]
[" NET INCOME",null,{"$f":"Taxes!B48","v":44113.2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"1st Income",{"$f":"C3/12","v":3676.1},{"$f":"C4","v":3676.1},{"$f":"D4","v":3676.1},3676.1,3676.1,3676.1,3676.1,3676.1,3676.1,3676.1,3676.1,3676.1,null,{"$f":"SUM(C4:N4)","v":44113.19999999999},null,null,null,null,null,null,null,null,null,null,null,"-------------------------------------------------------------------------------------------------------------------------------------","","","","","","","","","","","","","","---"]
[null,"2nd Income",{"$f":"(1-0.2689)*5000/12","v":304.62500000000006},{"$f":"C5","v":304.62500000000006},{"$f":"D5","v":304.62500000000006},304.62500000000006,304.62500000000006,304.62500000000006,304.62500000000006,304.62500000000006,304.62500000000006,304.62500000000006,304.62500000000006,304.62500000000006,null,{"$f":"SUM(C5:O5)","v":3655.5000000000005},null,null,null,null,null,null,null,null,null,null,null,"|","   Food","|",""," Medical","|","","Life Ins","|","","Home/Car","|","","Rec&Misc","|"]
[null,"Bank Account 1",10000,null,null,null,null,null,null,null,null,null,null,null,null,10000,null,null,null,null,null,null,null,null,null,null,null,"-------------------------------------------------------------------------------------------------------------------------------------","","","","","","","","","","","","","","---"]
[null,"Bank Account 2",null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"|",{"$f":"#REF!","v":{"$error":"#REF!"}},"|","",{"$f":"F58","v":0},"|","",{"$f":"F59","v":0},"|","",{"$f":"F60","v":0},"|","",{"$f":"F56","v":0},"|"]
[null,"Bank Account 3",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C8:N8)","v":0}]
[null,"Savings",{"$f":"C4*3","v":11028.3},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C9:O9)","v":11028.3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C10:O10)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(C11:O11)","v":0}]
[" TOTAL NET INCOME",null,{"$f":"SUM(C4:C11)","v":25009.025000000001},{"$f":"SUM(D4:D11)","v":3980.7249999999999},3980.7249999999999,3980.7249999999999,3980.7249999999999,3980.7249999999999,3980.7249999999999,3980.7249999999999,3980.7249999999999,3980.7249999999999,3980.7249999999999,3980.7249999999999,0,{"$f":"SUM(P4:P11)","v":68796.999999999985},null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[]
[" MONTHLY EXPENDITURES",null,"Jan","Feb","Mar","April","May","June","July","Aug","Sept","Oct","Nov","Dec",null,"",null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Tithing",{"$f":"SUM(C4:C5)*0.1","v":398.07249999999999},{"$f":"SUM(D4:D5)*0.1","v":398.07249999999999},398.07249999999999,398.07249999999999,398.07249999999999,398.07249999999999,398.07249999999999,398.07249999999999,398.07249999999999,398.07249999999999,398.07249999999999,398.07249999999999,0,{"$f":"SUM(C15:N15)","v":4776.8700000000008},null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Roth IRA",{"$f":"5500/12","v":458.33333333333331},{"$f":"C16","v":458.33333333333331},{"$f":"D16","v":458.33333333333331},458.33333333333331,458.33333333333331,458.33333333333331,458.33333333333331,458.33333333333331,458.33333333333331,458.33333333333331,458.33333333333331,458.33333333333331,null,5499.9999999999991,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,"Mortgage/Rent",1000,{"$f":"$C18","v":1000},{"$f":"$C18","v":1000},1000,1000,1000,1000,1000,1000,1000,1000,1000,null,12000,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Utilities + Cable ",190,{"$f":"$C19","v":190},190,190,190,190,190,190,190,190,190,190,null,2280,null,null,null,null,null,null,null,null,null,null,null,"|","","|","----------------------------------------------------------------------------------","","","","","","","","","-","","|"]
[null,"Phone & Cell Phone",110,110,110,110,110,110,110,110,110,110,110,110,null,1320,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","Clothing","|","","Gas","|","","Debt Pmts","|","","","|"]
[null,"Food",400,400,400,400,400,400,400,400,400,400,400,400,null,4800,null,null,null,null,null,null,null,null,null,null,null,"|","","|","----------------------------------------------------------------------------------","","","","","","","","","-","","|"]
[null,"Clothing",150,150,150,150,150,150,150,150,150,150,150,150,null,1800,null,null,null,null,null,null,null,null,null,null,null,"|","","|","",{"$f":"#REF!","v":{"$error":"#REF!"}},"|","",{"$f":"#REF!","v":{"$error":"#REF!"}},"|","",{"$f":"F61","v":0},"|","","","|"]
[null,"Gas",170,170,170,170,170,170,170,170,170,170,170,170,null,2040,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Car Insurance",98.49,{"$f":"C24","v":98.49},{"$f":"D24","v":98.49},98.49,98.49,98.49,98.49,98.49,98.49,98.49,98.49,98.49,null,1181.8799999999999,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Rec&Misc",120,120,120,120,120,120,120,120,120,120,120,120,null,1440,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Health Insurance",200,200,200,200,200,200,200,200,200,200,200,200,null,2400,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Tuition",null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Christmas",null,null,null,null,null,null,null,null,null,null,null,400,null,400,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,"Medical",40,40,40,40,40,40,40,40,40,40,40,40,null,480]
[null,"Debt",{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},{"$f":"SUM('Debt Repayment Schedule'!$B$16:$J$16)","v":272.84699442116693},null,3274.1639330540033]
[null,"Charity/Donations",{"$f":"5+50","v":55},{"$f":"C32","v":55},{"$f":"D32","v":55},55,55,55,55,55,55,55,55,55,null,660]
[null,"Summer Trip",{"$f":"2500/12","v":208.33333333333334},{"$f":"C33","v":208.33333333333334},{"$f":"D33","v":208.33333333333334},208.33333333333334,208.33333333333334,208.33333333333334,208.33333333333334,208.33333333333334,208.33333333333334,208.33333333333334,208.33333333333334,208.33333333333334,null,2500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[" TOTAL EXPENDITURES",null,{"$f":"SUM(C15:C35)","v":3871.0761610878335},3871.0761610878335,3871.0761610878335,3871.0761610878335,{"$f":"SUM(G15:G35)","v":3871.0761610878335},3871.0761610878335,3871.0761610878335,3871.0761610878335,3871.0761610878335,3871.0761610878335,3871.0761610878335,4271.0761610878335,0,{"$f":"+SUM(P15:P35)","v":46852.913933053998},null,null,null,null,null,null,null,null,null,null,null,"|","","|","","","|","","","|","","","|","","","|"]
[" BALANCE",null,{"$f":"+C12-C36","v":21137.948838912169},{"$f":"+D12-D36","v":109.64883891216641},109.64883891216641,109.64883891216641,{"$f":"G12-G36","v":109.64883891216641},109.64883891216641,109.64883891216641,109.64883891216641,109.64883891216641,109.64883891216641,109.64883891216641,-290.35116108783359,0,{"$f":"P12-P36","v":21944.086066945987}]
[null,"Balance each month",{"$f":"C37","v":21137.948838912169},{"$f":"C37+D37","v":21247.597677824335},{"$f":"D38+E37","v":21357.246516736501},21466.895355648667,21576.544194560833,21686.193033472999,21795.841872385165,21905.490711297331,22015.139550209497,22124.788389121662,22234.437228033828,{"$f":"M38+N37","v":21944.086066945994},{"$f":"N38+O37","v":21944.086066945994}]
[]
[null,"As an aside"]
[null,"Using a free service like Mint.com to keep track of your spending will allow to be more accurate with your budgeting and help you see where you are over spending."]

{"sheet":"Savings","index":5,"n_rows":12,"n_cols":2,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["Do you have enough savings?"]
["Savings should equal 3 - 6 months worth of expenses"]
["After filling out Budget you know what 3 - 6 months of expenses are."]
[]
["How much do you have in savings?",{"$f":"Budget!C9","v":11028.3}]
[]
["Do you have enough?",{"$f":"IF(B5>SUM(Budget!D36:I36),\"Yes 6 months\",IF(B5>SUM(Budget!D36:F36),\"Yes 3 Months\",\"No\"))","v":"No"}]
[]
[{"$f":"IF(B7=\"No\",\"Should this be a priority?\",\"\")","v":"Should this be a priority?"}]
[{"$f":"IF(B7=\"No\",\"Modern Financial thought says you need to pay off your debts while you maintain a small savings account as a saftey net.  You should hold about $1000 in savings while you pay down debts.\",IF(B7=\"Yes 6 months\",\"You may think about using some of what you have in savings above 6 months to pay down debt or invest.\",\"Great job saving. Continue to save a little but you should be using extra cash to focus on paying off your debts and growing your retirement accounts .\"))","v":"Modern Financial thought says you need to pay off your debts while you maintain a small savings account as a saftey net.  You should hold about $1000 in savings while you pay down debts."}]
[{"$f":"IF(B7=\"No\",\"Do you have at least $1000 in savings?\",\"\")","v":"Do you have at least $1000 in savings?"},{"$f":"IF(A11=\"\",\"\",IF(B5>1000,\"Yes\",\"No\"))","v":"Yes"}]
[{"$f":"IF(B11=\"\",\"\",IF(B11=\"Yes\",\"You should agressively pay down your debts.\",\"You should put money towards savings and then pay down debt.\"))","v":"You should agressively pay down your debts."}]

{"sheet":"House Decision","index":6,"n_rows":83,"n_cols":5,"rows_kept":83,"cut":false,"hidden":false,"merged":[[32,0,35,0]]}
["Inputs"]
["Desired House Loan"]
["Purchase Price",180000]
["Down Payment",20000]
["PV",{"$f":"B3-B4","v":160000}]
["Rate",4.1000000000000002E-2,"Current 30 year rate",{"$f":"'Supplement sheets'!I6","v":4.2000000000000003E-2}]
["Years",30]
["Payment Schedule",12]
["State",{"$f":"Taxes!B7","v":"Arizona"}]
["Taxes",{"$f":"VLOOKUP(B9,D33:E83,2,FALSE)*B3/B8","v":108}]
["Insurance",{"$f":"(B3/1000*3.5/B8)+IF(B4>B3*0.2,0,B5*0.015/12)","v":252.5}]
[]
[]
["Outputs"]
["Front End ",{"$f":"(PMT(B6/B8,B7*B8,-B5,0,0)+B10+B11)/(Taxes!B15/12)","v":0.25300194772295348},0.28000000000000003]
[]
["Back End",{"$f":"(PMT(B6/B8,B7*B8,-B5,0,0)+B10+B11+(SUM('Debt Repayment Schedule'!B17:J17)-Accelerator_Amount))/(Taxes!B15/12)","v":0.37479052085195214},0.36]
[]
["Must pass both tests to receive a loan (ie. Both will have a green background). "]
[{"$f":"IF(B17>C17,\"You may need to look into paying down some of your debts in order to get this loan\",IF(B15>C15,\"You may need to look into putting a larger down payment in order to get this loan\",\"\"))","v":"You may need to look into paying down some of your debts in order to get this loan"}]
[]
[]
["Front End Load",null,null,"Backend Load"]
["The front-end debt ratio is commonly known as the mortgage-to-income ratio. It is computed by dividing your projected monthly mortgage payment by your monthly gross income. A typical monthly mortgage includes the principal, interest, taxes and insurance amounts.  Staying within standard limits help you avoid taking on too much home loan debt. The standard maximum front-end limit used by conventional lenders is 28 percent. When you apply for a new loan with a standard 20-percent down payment, the lender generally approves you for a request that does not exceed this limit.",null,null,"The back-end ratio is otherwise known as your debt-to-income ratio. This is a broader look at your current debt position and your ability to take on home loan debt. Car loans, personal loans and credit card debt payments are added to your projected mortgage to figure out how much new debt you can afford. The standard maximum limits with the back-end ratio are 36 percent on conventional loans and 41 percent on FHA loans. "]
[]
["Principle and Interest"]
["Principal is the money used to pay down the balance of the loan; interest is the charge you pay to the lender for the privilege of borrowing the money"]
[]
["Insurance"]
["According to the Federal Reserve Bureau, the average cost of an annual premium for homeowners insurance is between $300 and $1,000. For most homeowners, the annual costs for a homeowners insurance policy can be estimated by dividing the value of the home by 1,000, then multiplying the result by $3.50.",null,null,"http://www.tax-rates.org/taxtables/property-tax-by-state"]
[]
["Taxes",null,null,"Tax table","% of Home Value"]
["A property tax is a municipal tax levied by counties, cities, or special tax districts on most types of real estate - including homes, businesses, and parcels of land. The amount of property tax owed depends on the appraised fair market value of the property, as determined by the property tax assessor.",null,null,"Alabama",3.3E-3]
[null,null,null,"Alaska",1.04E-2]
[null,null,null,"Arizona",7.1999999999999998E-3]
[null,null,null,"Arkansas",5.1999999999999998E-3]
[null,null,null,"California",7.4000000000000003E-3]
[null,null,null,"Colorado",6.0000000000000001E-3]
[null,null,null,"Connecticut",1.6299999999999999E-2]
[null,null,null,"Delaware",4.3E-3]
[null,null,null,"District of Columbia",4.5999999999999999E-3]
[null,null,null,"Florida",9.7000000000000003E-3]
[null,null,null,"Georgia",8.3000000000000001E-3]
[null,null,null,"Hawaii",2.5999999999999999E-3]
[null,null,null,"Idaho",6.8999999999999999E-3]
[null,null,null,"Illinois",1.7299999999999999E-2]
[null,null,null,"Indiana",8.5000000000000006E-3]
[null,null,null,"Iowa",1.29E-2]
[null,null,null,"Kansas",1.29E-2]
[null,null,null,"Kentucky",7.1999999999999998E-3]
[null,null,null,"Louisiana",1.8E-3]
[null,null,null,"Maine",1.09E-2]
[null,null,null,"Maryland",8.6999999999999994E-3]
[null,null,null,"Massachusetts",1.04E-2]
[null,null,null,"Michigan",1.6199999999999999E-2]
[null,null,null,"Minnesota",1.0500000000000001E-2]
[null,null,null,"Mississippi",5.1999999999999998E-3]
[null,null,null,"Missouri",9.1000000000000004E-3]
[null,null,null,"Montana",8.3000000000000001E-3]
[null,null,null,"Nebraska",1.7600000000000001E-2]
[null,null,null,"Nevada",8.3999999999999995E-3]
[null,null,null,"New Hampshire",1.8599999999999998E-2]
[null,null,null,"New Jersey",1.89E-2]
[null,null,null,"New Mexico",5.4999999999999997E-3]
[null,null,null,"New York",1.23E-2]
[null,null,null,"North Carolina",7.7999999999999996E-3]
[null,null,null,"North Dakota",1.4200000000000001E-2]
[null,null,null,"Ohio",1.3599999999999999E-2]
[null,null,null,"Oklahoma",7.4000000000000003E-3]
[null,null,null,"Oregon",8.6999999999999994E-3]
[null,null,null,"Pennsylvania",1.35E-2]
[null,null,null,"Rhode Island",1.35E-2]
[null,null,null,"South Carolina",5.0000000000000001E-3]
[null,null,null,"South Dakota",1.2800000000000001E-2]
[null,null,null,"Tennessee",6.7999999999999996E-3]
[null,null,null,"Texas",1.8100000000000002E-2]
[null,null,null,"Utah",6.0000000000000001E-3]
[null,null,null,"Vermont",1.5900000000000001E-2]
[null,null,null,"Virginia",7.4000000000000003E-3]
[null,null,null,"Washington",9.1999999999999998E-3]
[null,null,null,"West Virginia",4.8999999999999998E-3]
[null,null,null,"Wisconsin",1.7600000000000001E-2]
[null,null,null,"Wyoming",5.7999999999999996E-3]

{"sheet":"Investing","index":7,"n_rows":25,"n_cols":6,"rows_kept":25,"cut":false,"hidden":false,"merged":[[19,4,20,4],[19,5,20,7],[24,5,26,7],[0,0,0,13],[6,5,7,7],[6,4,7,4],[13,4,14,4],[13,5,14,7]]}
["The most important part about this section is this is the investing you want to do 1) to purchase items with appreciated assets and 2) to become wealthy"]
["First set up a goal"]
["Smart people invest and then buy their toys, poor people buy them with debt."]
["So what we want to do is decide on a goal that we want to achieve and then find out how much we need to say for it."]
["A few examples are here below."]
["GOAL:","NEW CAR"]
["How much I need:",null,25000,"in dollars",{"$f":"-FV('Supplement sheets'!E9,Investing!C8,0,Investing!C7,0)","v":27907.650116233646},"What the Car will cost when you are ready to buy."]
["When do I need it:",null,7,"in years"]
["Required investment each month:",null,{"$f":"PMT('Supplement sheets'!I3/12,Investing!C8*12,0,(FV('Supplement sheets'!E9,Investing!C8,0,Investing!C7,0)),0)","v":286.36209348898706},"in dollars",{"$f":"C9*12*C8","v":24054.415853074912},"What you will actually pay."]
[null,null,null,null,{"$f":"(PMT(('Supplement sheets'!H6-0.02)/12,5*12,(FV('Supplement sheets'!E9,Investing!C8-5,0,Investing!C7,0)),0,0))*12*5","v":27855.07335853374},"What getting debt would cost you."]
[null,null,null,null,{"$f":"E10-E9","v":3800.6575054588284},"Net Savings"]
[]
["GOAL:","TRIP to Europe"]
["How much I need:",null,8000,"in dollars",{"$f":"-FV('Supplement sheets'!E9,Investing!C15,0,Investing!C14,0)","v":8386.2639508486718},"What the trip will cost when you are ready to buy."]
["When do I need it:",null,3,"in years"]
["Required investment each month:",null,{"$f":"PMT('Supplement sheets'!I8/12,Investing!C15*12,0,(FV('Supplement sheets'!E9,Investing!C15,0,Investing!C14,0)),0)","v":229.90841977591595},"in dollars",{"$f":"C16*12*C15","v":8276.7031119329731},"What you will actually pay."]
[null,null,null,null,{"$f":"(PMT('Supplement sheets'!I9/12,5*12,(FV('Supplement sheets'!E9,C15,0,Investing!C14,0)),0,0))*12*5","v":11448.796574508156},"What getting debt would cost you."]
[null,null,null,null,{"$f":"E17-E16","v":3172.0934625751834},"Net Savings"]
["GOAL:","Pay my expenses with invested dollars"]
["How much I need:",null,{"$f":"Budget!P36","v":46852.913933053998},"in dollars",{"$f":"-FV('Supplement sheets'!E15,Investing!C21,0,Investing!C20,0)","v":46852.913933053998}]
["When do I need it:",null,1,"in years"]
["Required investment each month:",null,{"$f":"-PMT(0.02/12,12,0,C20,0)","v":3868.7482087917265},"in dollars",{"$f":"C22*12*C21","v":46424.978505500716},"What you will actually pay."]
[null,null,null,null,{"$f":"(PMT('Supplement sheets'!I15/12,5*12,(FV('Supplement sheets'!E15,C21,0,Investing!C20,0)),0,0))*12*5","v":46852.913933054006},"What getting debt would cost you."]
[null,null,null,null,{"$f":"E23-E22","v":427.93542755328963},"Net Savings"]
[null,null,null,null,null,"Between this number and paying off your debts you could almost fully fund your retirment goal."]

{"sheet":"Real Estate Investing ","index":8,"n_rows":72,"n_cols":10,"rows_kept":72,"cut":false,"hidden":false,"merged":[[56,0,56,1],[69,0,69,1],[1,0,1,1]]}
[]
["Inputs"]
["Purchase Price",350000]
["Land Value",100000]
["Improvement Value",{"$f":"B3-B4","v":250000}]
[]
["Investors Criteria and Contribution"]
["Initial Equity Investment",75000]
["Investors Required Rate of Return",0.12]
[]
["Financing Information"]
["Mortgage Amount",275000]
["Financing Term (Years)",25]
["No. of Payment Per Year",12]
["Annual Mortgage Interest Rate",7.0000000000000007E-2]
["Private Mortgage Insurance (yearly)",{"$f":"IF(B8>B3*0.2,0,B12*0.015/12)","v":0}]
[]
["Tax Information"]
["Depreciable Life (27.5 Res 39 Comm)",39]
["Marginal Income Tax Rate",0.28000000000000003]
["Capital Gains Tax Rate",0.2]
["Recapture Tax Rate",0.25]
["Investor's Modified Adjusted Gross Inc.",170000]
[]
[]
["Forecast Operating Data"]
["First Year forecast PGI",50000]
["Annual Growth in PGI",0.05]
["% Annual Vacancy",0.06]
["% Operating Expenses of EGI",0.31]
[]
["Future Sales Information"]
["Forecast Future Sales Price",400000]
["Future Selling Expenses",0.08]
[]
["Years",0,1,2,3,4,5,null,"Termination (Reversion) Statement"]
["Potential Gross Income",null,{"$f":"B27","v":50000},{"$f":"C37*(1+$B$28)","v":52500},{"$f":"D37*(1+$B$28)","v":55125},57881.25,60775.3125,null,"Gross Future Sales Price",{"$f":"B33","v":400000}]
["Less Vacancy & Collection Loss",null,{"$f":"C37*-$B$29","v":-3000},{"$f":"-D37*$B$29","v":-3150},-3307.5,-3472.875,-3646.5187499999997,null,"Less Selling Expenses",{"$f":"-J37*B34","v":-32000}]
["Plus Other Income",null,0,{"$f":"C39","v":0},{"$f":"D39","v":0},0,0,null,"Net Sales Proceeds",{"$f":"J37+J38","v":368000}]
["Effective Gross Income",null,{"$f":"SUM(C37:C39)","v":47000},{"$f":"SUM(D37:D39)","v":49350},51817.5,54408.375,57128.793749999997,null,"Less Mortgage Balance",{"$f":"-(CUMPRINC(B15/B14,B13*B14,B12,1,G36*12,0)+B12)","v":-250695.91911086647}]
["LessOperating Expenses",null,{"$f":"C40*-$B$30","v":-14570},{"$f":"D40*-$B$30","v":-15298.5},-16063.424999999999,-16866.596249999999,-17709.926062499999,null,"Before Tax Cash on Sale",{"$f":"J39+J40","v":117304.08088913353}]
["Net Operating Income",null,{"$f":"SUM(C40:C41)","v":32430},{"$f":"SUM(D40:D41)","v":34051.5},35754.074999999997,37541.778749999998,39418.867687499995]
["Less Private Mortage Insurance",null,{"$f":"-$B$16","v":0},{"$f":"-$B$16","v":0},0,0,0,null,"Net Sales Proceeds",{"$f":"J39","v":368000}]
["Less Annualized Mortgage Payments",null,{"$f":"PMT($B$15/$B$14,$B$13*$B$14,$B$12,0,0)*$B$14","v":-23323.713510078029},{"$f":"PMT($B$15/$B$14,$B$13*$B$14,$B$12,0,0)*$B$14","v":-23323.713510078029},-23323.713510078029,-23323.713510078029,-23323.713510078029,null,"Less Cost Basis",{"$f":"-B3","v":-350000}]
["Before Tax Cash Flows",null,{"$f":"SUM(C42:C44)","v":9106.2864899219712},{"$f":"SUM(D42:D44)","v":10727.786489921971},12430.361489921968,14218.065239921969,16095.154177421966,null,"Capital Gain (Economic Gain)",{"$f":"J43+J44","v":18000}]
["Less Annual Depreciation",null,{"$f":"-$B$5/$B$19","v":-6410.2564102564102},{"$f":"-$B$5/$B$19","v":-6410.2564102564102},-6410.2564102564102,-6410.2564102564102,-6410.2564102564102,null,"X Capital Gains Rate",{"$f":"B21","v":0.2}]
["Plus Annual Principal Paid",null,{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,1,C36*$B$14,0)","v":4206.9868432668609},{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,C36*$B$14+1,D36*$B$14,0)","v":4511.110262327742},{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,D36*$B$14+1,E36*$B$14,0)","v":4837.2187879428093},5186.9017252424974,{"$f":"-CUMPRINC($B$15/$B$14,$B$13*$B$14,$B$12,F36*$B$14+1,G36*$B$14,0)","v":5561.863270353625},null,"Capital Gains Taxes",{"$f":"J45*-J46","v":-3600}]
["Taxable Income",null,{"$f":"SUM(C45:C47)","v":6903.0169229324219},{"$f":"SUM(D45:D47)","v":8828.6403419933031},10857.323867608367,12994.710554908055,15246.76103751918]
["Less Taxes from BTCF",null,{"$f":"IF(C48>0,C48*-$B$20,0)","v":-1932.8447384210783},{"$f":"IF(D48>0,D48*-$B$20,0)","v":-2472.0192957581253},-3040.0506829303431,-3638.5189553742557,-4269.093090505371,null,"Accumulated Depreciation",{"$f":"SUM(C46:G46)","v":-32051.282051282051}]
["Savings from Passive Actitivity Loss",null,{"$f":"IF(C49=0,C48*-$B$20,0)","v":0},0,0,0,0,null,"X Recapture Tax Rate",{"$f":"B22","v":0.25}]
["After-tax Cash Flow from Operations",null,{"$f":"C49+C45+C50","v":7173.4417515008927},{"$f":"D49+D45+D50","v":8255.7671941638455},9390.3108069916252,10579.546284547712,11826.061086916594,null,"Recapture Taxes",{"$f":"J49*J50","v":-8012.8205128205127}]
["Initial Equity Investment",{"$f":"-B8","v":-75000}]
["After-tax Cash on Sale",null,null,null,null,null,{"$f":"J56","v":105691.26037631302},null,"Before Tax Cash on Sale",{"$f":"J41","v":117304.08088913353}]
["Total After-tax Cash Flow",{"$f":"SUM(B51:B53)","v":-75000},{"$f":"SUM(C51:C53)","v":7173.4417515008927},8255.7671941638455,9390.3108069916252,10579.546284547712,117517.32146322961,null,"Less Capital Gains Taxes",{"$f":"J47","v":-3600}]
[null,null,null,null,null,null,null,null,"Less Recapture Taxes",{"$f":"J51","v":-8012.8205128205127}]
[null,null,null,null,null,null,null,null,"After Tax Cash on Sale",{"$f":"SUM(J53:J55)","v":105691.26037631302}]
["Investment Measures"]
["First Year Measures"]
["Payback Period (years)",{"$f":"-B52/C51","v":10.45523231359728}]
["Profit Margin",{"$f":"(C54/C40)","v":0.15262642024469986}]
["Default or Breakeven Ratio",{"$f":"-(C41+C44)/C40","v":0.80624922361868145}]
["Operating Expense Ratio",{"$f":"-C41/C40","v":0.31}]
["Debt Coverage Ratio",{"$f":"C42/-C44","v":1.3904303869101806}]
["Loan to Value Ratio",{"$f":"B12/B3","v":0.7857142857142857}]
["Effective Gross Income Multiplier",{"$f":"B3/C40","v":7.4468085106382977}]
["Capitalization Rate",{"$f":"C42/B3","v":9.2657142857142855E-2}]
["Before Tax Cash on Cash Return",{"$f":"C45/B8","v":0.12141715319895961}]
["After Tax Cash on Cash Return",{"$f":"C54/B8","v":9.5645890020011906E-2}]
[]
["Holding Period Measures"]
["Net Present Value",{"$f":"NPV(B9,C54:G54)+B54","v":18076.120657119609}]
["Internal Rate of Return",{"$f":"+IRR(B54:G54)","v":0.17830803160276987}]

{"sheet":"Retirement","index":9,"n_rows":16,"n_cols":6,"rows_kept":16,"cut":false,"hidden":false,"merged":[[0,0,0,1],[9,0,9,1],[12,0,12,1]]}
["Inputs"]
["How much money do you want to live on each month during retirement in todays dollars?",5000,null,null,"What will the value of a dollar be when you retire?",{"$f":"-PV(F3,(B6-B7),0,1,0)","v":0.29129105615081863}]
["What is your risk tollerance during reitrement?",0.03,null,null,"Average Inflation rate over last x # of years, where x is how long you have until retirement.",{"$f":"'Supplement sheets'!E8","v":3.4855712568893332E-2}]
["What is your risk tollerance now?",0.1]
["How long do you expect to live during retirment?",30]
["At what age would you like to retire?",60]
["What is your current age?",24]
["How much do you currently have saved for retirement?",0]
[]
["Outputs"]
["How much money do you need to save each month now to retire with the life style you want?",{"$f":"PMT(B4/12,(B6-B7)*12,B8,(PV(B3/12,B5*12,-FV(F3,(B6-B7),0,B2,0),0,0)),0)","v":967.81028566669363}]
[]
["Perspective"]
["Your Debts are % of your monthly retirement goal.",{"$f":"Budget!C31/Retirement!B11","v":0.28192198250219186}]
[]
[{"$f":"IF(B14>0,\"Get out of debt and start investing that money.\",\"Great Job you're out of debt.\")","v":"Get out of debt and start investing that money."}]

{"sheet":"Financial Checklist","index":10,"n_rows":13,"n_cols":2,"rows_kept":13,"cut":false,"hidden":false,"merged":[]}
["Taxes"]
["Debt"]
["Budget"]
["Savings"]
["Retirement"]
["Trusts"]
["Wills"]
["Insurance:"]
[null,"Health"]
[null,"Property & Casualty"]
[null,"Disability"]
[null,"Long Term Care"]
[null,"Life"]

{"sheet":"Supplement sheets","index":11,"n_rows":75,"n_cols":9,"rows_kept":75,"cut":false,"hidden":false,"merged":[]}
["CPIAUCSL",null,null,null,null,null,null,"Last 10 years","Todays rates"]
["lin","Index 1982-84=100",null,null,null,null,"10 year treasury",{"$f":"3.3%","v":3.3000000000000002E-2},2.5000000000000001E-2]
["A","Monthly",null,null,null,null,"Triple A bonds",{"$f":"4.9%","v":4.9000000000000002E-2},4.2000000000000003E-2]
["1900-01-01","1947-01-01 to 2015-01-01",null,null,null,null,"Triple B bonds",{"$f":"6.03%","v":6.0299999999999999E-2},4.9000000000000002E-2]
["Consumer Price Index for All Urban Consumers: All Items",null,null,null,null,null,"6month CD",{"$f":"2.24%","v":2.2400000000000003E-2},4.4000000000000003E-3]
["US. Bureau of Labor Statistics",null,null,null,null,null,"30 year mortgage",{"$f":"5.06%","v":5.0599999999999999E-2},4.2000000000000003E-2]
["date","value","Inflation","Retirement years",{"$f":"Retirement!B6-Retirement!B7","v":36},null,"SP500",6.2399999999999997E-2,0.17499999999999999]
["1947-01-01",22.332000000000001,null,"Inflation rate",3.4855712568893332E-2,null,"Money Market",null,8.9999999999999993E-3]
["1948-01-01",24.045000000000002,{"$f":"(B9-B8)/B9","v":7.1241422333125429E-2},"Todays inflation",{"$f":"C75","v":1.5842035891716517E-2},null,"Credit Cards",null,0.13]
["1949-01-01",23.809000000000001,{"$f":"(B10-B9)/B10","v":-9.912218068797541E-3}]
["1950-01-01",24.062999999999999,1.0555624818185505E-2]
["1951-01-01",25.972999999999999,7.3537904747237523E-2]
["1952-01-01",26.567,2.2358565137200331E-2]
["1953-01-01",26.768000000000001,7.5089659294680401E-3]
["1954-01-01",26.864999999999998,3.6106458217010145E-3]
["1955-01-01",26.795999999999999,-2.5750111957008161E-3]
["1956-01-01",27.190999999999999,1.4526865506969203E-2]
["1957-01-01",28.113,3.2796215274072518E-2]
["1958-01-01",28.881,2.6591877012568842E-2]
["1959-01-01",29.15,9.228130360205776E-3]
["1960-01-01",29.585000000000001,1.4703396991718853E-2]
["1961-01-01",29.902000000000001,1.0601297572068763E-2]
["1962-01-01",30.253,1.1602155158166103E-2]
["1963-01-01",30.632999999999999,1.2404922795677831E-2]
["1964-01-01",31.038,1.3048521167601041E-2]
["1965-01-01",31.527999999999999,1.5541740674955546E-2]
["1966-01-01",32.470999999999997,2.9041298389331956E-2]
["1967-01-01",33.375,2.7086142322097481E-2]
["1968-01-01",34.792000000000002,4.0727753506553277E-2]
["1969-01-01",36.683,5.1549764195949033E-2]
["1970-01-01",38.841999999999999,5.558416147469232E-2]
["1971-01-01",40.482999999999997,4.0535533433786984E-2]
["1972-01-01",41.808,3.1692499043245378E-2]
["1973-01-01",44.424999999999997,5.8908272369161449E-2]
["1974-01-01",49.317,9.9195003751242031E-2]
["1975-01-01",53.825000000000003,8.3752902926149606E-2]
["1976-01-01",56.933,5.459048355084041E-2]
["1977-01-01",60.616999999999997,6.0775030107065635E-2]
["1978-01-01",65.242000000000004,7.088991753778251E-2]
["1979-01-01",72.582999999999998,0.10113938525550052]
["1980-01-01",82.382999999999996,0.11895658084799046]
["1981-01-01",90.933000000000007,9.4025271353634116E-2]
["1982-01-01",96.533000000000001,5.8011250038846759E-2]
["1983-01-01",99.582999999999998,3.0627717582318238E-2]
["1984-01-01",103.93300000000001,4.185388663850758E-2]
["1985-01-01",107.6,3.4079925650557508E-2]
["1986-01-01",109.69199999999999,1.9071582248477544E-2]
["1987-01-01",113.617,3.4545886619079987E-2]
["1988-01-01",118.27500000000001,3.9382794335235685E-2]
["1989-01-01",123.94199999999999,4.572299946749276E-2]
["1990-01-01",130.65799999999999,5.1401368458111975E-2]
["1991-01-01",136.167,4.0457673298229489E-2]
["1992-01-01",140.30799999999999,2.9513641417452972E-2]
["1993-01-01",144.47499999999999,2.8842360269942909E-2]
["1994-01-01",148.22499999999999,2.52993759487266E-2]
["1995-01-01",152.38300000000001,2.7286508337544313E-2]
["1996-01-01",156.858,2.852898800188702E-2]
["1997-01-01",160.52500000000001,2.2843793801588547E-2]
["1998-01-01",163.00800000000001,1.5232381232822953E-2]
["1999-01-01",166.583,2.1460773308200648E-2]
["2000-01-01",172.19200000000001,3.2574103326519284E-2]
["2001-01-01",177.042,2.7394629522938026E-2]
["2002-01-01",179.86699999999999,1.5706049469886019E-2]
["2003-01-01",184,2.2461956521739185E-2]
["2004-01-01",188.90799999999999,2.598090075592345E-2]
["2005-01-01",195.267,3.2565666497667345E-2]
["2006-01-01",201.55799999999999,3.1211859613609963E-2]
["2007-01-01",207.34399999999999,2.7905316768269163E-2]
["2008-01-01",215.25399999999999,3.6747284603305848E-2]
["2009-01-01",214.565,-3.2111481369281707E-3]
["2010-01-01",218.07599999999999,1.6099891780847024E-2]
["2011-01-01",224.93,3.0471702307384579E-2]
["2012-01-01",229.6,2.0339721254355347E-2]
["2013-01-01",232.96199999999999,{"$f":"(B74-B73)/B74","v":1.4431538190777873E-2}]
["2014-01-01",236.71199999999999,1.5842035891716517E-2,{"$f":"AVERAGE(C46:C75)","v":2.7006385358778751E-2}]

{"sheet":"Supplement sheets2","index":12,"n_rows":55,"n_cols":10,"rows_kept":55,"cut":false,"hidden":false,"merged":[]}
["DGS1",null,null,null,null,null,null,"Last 10 years",null,"Todays rates"]
["lin","Percent",null,null,null,null,"10 year treasury",{"$f":"3.3%","v":3.3000000000000002E-2},null,2.5000000000000001E-2]
["A","Daily",null,null,null,null,"Triple A bonds",{"$f":"4.9%","v":4.9000000000000002E-2},null,4.2000000000000003E-2]
["2004-01-01","1962-01-02 to 2015-03-20",null,null,null,null,"Triple B bonds",{"$f":"6.03%","v":6.0299999999999999E-2},null,4.9000000000000002E-2]
["1-Year Treasury Constant Maturity Rate",null,null,null,null,null,"6month CD"]
["Board of Governors of the Federal Reserve System (US)",null,null,null,null,null,"30 year mortgage"]
["date","value",null,null,null,null,"SP500"]
["2004-01-01",1.89,null,null,null,null,"Money Market","Invalid data manipulation",null,"Invalid data manipulation"]
["2005-01-01",3.62,{"$f":"(B9-B8)/B8","v":0.91534391534391546}]
["2006-01-01",4.9400000000000004,{"$f":"(B10-B9)/B9","v":0.36464088397790062}]
["2007-01-01",4.53,-8.2995951417004069E-2]
["2008-01-01",1.83,-0.59602649006622521]
["2009-01-01",0.47,-0.74316939890710387]
["2010-01-01",0.32,-0.31914893617021273]
["2011-01-01",0.18,-0.43750000000000006]
["2012-01-01",0.17,-5.5555555555555455E-2,{"$f":"AVERAGE(C8:C16)","v":-0.11930144159928566}]
["2013-01-01",0.13,-0.23529411764705885]
["2014-01-01",0.12,{"$f":"AVERAGE(B9:B18)","v":1.6310000000000002}]
["2015-01-01",{"$f":"NA()","v":{"$error":"#N/A"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,{"$f":"AVERAGE(B27:B36)","v":{"$error":"#DIV/0!"}}]
[]
[]
[null,null,{"$f":"AVERAGE(B30:B39)","v":{"$error":"#DIV/0!"}}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,{"$f":"AVERAGE(B46:B55)","v":{"$error":"#DIV/0!"}}]

{"sheet":"LOOKUPS","index":13,"n_rows":12,"n_cols":2,"rows_kept":12,"cut":false,"hidden":true,"merged":[]}
[1,"January"]
[2,"February"]
[3,"March"]
[4,"April"]
[5,"May"]
[6,"June"]
[7,"July"]
[8,"August"]
[9,"September"]
[10,"October"]
[11,"November"]
[12,"December"]