Organize this paper into three parts with clear sub-headings.   Incorporate all articles I sent related to this assignment. 

Part 1.

Minimum Wages – New York State Department of Labor (Links to an external site.)

Think about how much a person can take home after tax?  $9 (it was increased recently so use the latest amount) x 40 hours/week x 52 weeks = $18,720 – federal tax (10% = $1,870) – social security+medicare (7.65%) – state tax ($887) – city tax ($587) – health care – insurance – housing – clothing – eating -entertainment = ? 

Q. Can you make a living? Why is this an important issue?  What are the pros and cons in terms of raising a minimum wage?  Why does the government care about this? 

Part 2.

Create your personal budget showing the past 12 months.  This can be a made-up budget.    It should compare each month and show incomes and expenses.  You should identify potential savings.  Must include graphs and tables (Excel spreadsheet).  The report should be done in Word.   You must explain your budget in details. 

Part 3.

Assume you have $100,000 to create a personal investment portfolio.   Create a diversified portfolio that will give you the maximum ROI and explain why you think it will give you the maximum ROI in 10 years. 

Think about how a minimum wage impacts your personal finance and why people need to do a monthly budget.  When you look at your monthly budget over year, you have a good idea where you can save.  You can also set a goal in terms of how much you want to save.  When you save enough money, you have to think about how to invest it so the money will grow over the years until you retire.  In this case, you pretend that you have $100,000 to invest.  What should you invest in? Stocks? Which Stocks? Why?  Mutual Funds?  House?  Gold?  That’s what you have to do for this assignment. 

Make sure to have HW heading and at least three references. 

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