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[Aigre Excalibur]

offhand, the ammortization formula is P = r(1+r)^t / [(1+r)^t-1] * principle
Where P is payments, r is interest, t is time.

$30,000 in 5 years is $7,121.90 p/a at 6% interest.

One pays ludicrous amounts of interest as the time period increases. But people take out long term loans with smaller payments... because cashflow.

[High tyrol]

A five year loan sounds good to me

[Aigre Excalibur]

updating soon. running numbers in my head.

[Aigre Excalibur]

Sorry about the late updates. It can get a bit depressing thinking about this while staring down accountancy exams.

Consolidating Pre-Year Budgets.

Derp Julie Angelicus

Spoiler (click to show/hide)

Derp Julie Angelicus
Age: 24
Advantages:
Attractive +2 to social skill tests
Nerdy +4 to intellect tests and Nerd cultures
Commpasionate - Empathy gives her more intuition
Caring - Same as above
good with animals and - Empathy bonus to
has great artistic talent - artistic skill

Banes:
Hedonism - Desires pleasure in all forms. Somewhat promiscuous.
Chronic Asthma and Sinusitis - -2 strength, -2 endurance
Allergic to everything, especially dust. -2 endurance
Willful and stubborn
Idealistic and fanatical - Social Penalties around people who disagree with her.
Generally frail health, muscles and bones -2 str -2 end
Blasphemous - Penalties around religious people

Assets
Absolutely Nothing.

Liabilities:
0/30 Student Loan payments for $18888.72 per year ammortized over 20 years.

Cashflows
Salary: $36,000.00 p/a manufacturing over-commercialized characters and their graphical effects.

Less planned expenses:
Food Expenses: $1825 (Junk food and soda. Cheap Junkfood - like potato chips and bulk purchase soda.)
Clothing Expenses: 500
Coffee and other Drugs: 1825
Shelter/Housing: 7200
Transport: 3650
Miscellaneous: 0

Financial Expenses:
Student Loan Payment: $18,888.72 (0/30)  ((She can't afford the 20 year plan.)

Net Predictable Expenses: $33,888.72

Net Expected Cashflow:$2,111.28

Jacob Norman

Spoiler (click to show/hide)

Name:Jacob Norman
Gender:male
Age: 21
Key traits:very good memory,basketball player,bad at math,plans ahead a lot,uncreative,unpersuasive,somewhat smart,extrovert
Other:good at history,likes to wear  vests and sweaters,dislikes suits ,hoping to get sports scholarship,enjoys cooking,still stays in contact with his mother who is  a  track coach , his father who was slightly autistic works as a telephone manager for a life insurance company.drinks tea rather than coffee.highly religious(Baptist),has entire book of romans memorized.can read Latin

Advantages:
Good Memory
Basketball player
Planner
sort of smart
outgoing

religious

Banes:
Self Given:
Bad with numbers
unpersuasive
Control Freak
Hasty
Possessive
Leaves things unfinished
Hot-headed and argumentative.

Assets:
Absolutely Nothing

Liabilities:
$30,000 in student loans, to be ammortized.

Cashflows:
Salary: He gets signed on with a megacorp gym (6) for $24,000 (3) a month.

Less planned expenses:
Food Expenses: $14,600 $3,650
Clothing Expenses: $2000 500
Coffee and other Drugs: $1825 on tea
Shelter/Housing: $7200 - A small room in a sleazy tenement in the inner city.
Transport: $1,000 - Cheap Bicycle plus maintenance (oil, tires, etc)
Miscellaneous: $1,000 on Stress Relief

Financial Expenses:
Student Loan Payments: $7,121.90 (0/5)

Net Predictable Expenses: $37,369.90 22,296.90

Net Expected Cashflow: $1,703.10

(Food Budger reduced from $40 to $10 a day)

Bob Johnson

Spoiler (click to show/hide)

Name: Bob Johnson
Age:21
Gender: Male
Key traits: Patient, knows how to fill out forms, doesn't care much for luxury
Other: A rather boring life and personality. Prefers to wear white business shirt, tie, and slacks. About 5'4". Pale skin and black hair with brown eyes. As a child his parents made him do the taxes, and his adolescence only saw him getting more droll work piled on. He isn't sure whether they are going to let him keep any money or keep it all for themselves.

Advantages:
Patient +1 end, +1 mind
Content bonuses against most sensual vices
Paperwork fetish?

Banes:
Does not cope well with change -2 sanity whenever environment changes
emotionally dead. -2 intuition, -1 charisma

Assets:
Absolutely Nothing

Liabilities:
0/10 Student Loan Payments of $4,076.04 per year for 10 years.

Cashflows:
Salary: $30,000 p/a at the mother of all officework farms.

Less planned expenses:
Food Expenses: $7,300
Clothing Expenses: $500
Coffee and other Drugs: $0
Shelter/Housing: $7,200
Transport: $3,650
Miscellaneous: $5,200 (!fun!)

Financial Expenses:
Student Loan Payment: $4,076.04 (0/10)

Net Predictable Expenses: $27,926.04

Net Expected Cashflows:2,073.96

[Aigre Excalibur]

JOB PHASE:

I draw random tarot cards to make stuff up...

Derp Julie Angelicus: 11, 12, 19
Wheel of Fortune
Justice
The Moon

Your Company wants to you to make Gungan characters and Phantom Menace sequels, what do you do?

Jacob Norman:12, 16, 18
Justice
The Devil
The Star

You feel that you are being underpaid working in a big corporate gym. How do you use your talents to acquire the private customers and revenue sources that you believe you deserve?

Bob Johnson: 6, 20, 22
The Hierophant
The Sun
The Universe

You settle in comfortably into your desk job. But you wonder if you can rise above your station as a desk jockey and prove your worth. What do you do?

[AbstractTraitorHero]

Julie will dedicate the most time to the gungan thing leaving small eastereggs from pop culture and the phantom menace sequel she does only what is necessary to complete it.

[Aslandus]

Bob Johnson does some diagnostics on company spending and makes recommendations to increase profit. When they see his ability to work numbers, he will surely be offered a promotion.

[Aigre Excalibur]

Julie will dedicate the most time to the gungan thing leaving small eastereggs from pop culture and the phantom menace sequel she does only what is necessary to complete it.

Julie rolls a 3 on her work. And performs satisfactorily. But barely.

Her company rolls a 1 on trying to sell more Phantom Menace Crap. But between a huge advertising budget and a monopoly on public attention, they shove their product down the collective throats of the public anyway with the losses barely making a dent on the company itself.

Bob Johnson does some diagnostics on company spending and makes recommendations to increase profit. When they see his ability to work numbers, he will surely be offered a promotion.

Bob rolls a 3 as well.

Bob tries some managerial accounting to increase efficiency. But his mediocrity shines through in his work, and his reports are full of barely understood business platitudes he learnt in school.

His Company rolls a 1. They lose business steadily as more of their clients close down during the recession.

[High tyrol]

work hard and keep an eye out for richer clients at work to potentially offer private help also plan to actively look for private clients next year.

[AbstractTraitorHero]

on my off time try and look for private jobs try and start a kickstarter campaign for me to start a game studio work harder on all project's of the current company stress relieve by playing with cat.

[Aslandus]

Attempt to make friends with some of the people in the office, in spite of my lack of interesting qualities.