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MEMBER PROFILE
Bonnie Comella A Home Expansion Experience

Bonnie and her husband Mike came to Alternatives after researching their options for home expansion. "The Future Value Home Equity Line of Credit seemed to be just what we were looking for," Bonnie told us. "We were so relieved to find a financial institution that was willing to see our expansion as home equity and not new construction! We loved the relaxed and helpful atmosphere. It left us feeling like the Credit Union wanted to do business with us - not just make a loan.

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Livable Wage Study - 2002
Living Wage 2007 Press Release | Livable Wage Chart 2007 | Livable Wage Notes 2007 | Living Wage 2005 Chart | PR Living Wage 2005 | Living Wage Notes 2005 | Press Release 6/03 | Livable Wage Notes - 2002 study | Livable Wage Study - 2002 | Press Release 3/01 | Livable Wage Study - 2000 | Livable Wage Notes - 2000 study | Livable Wage Study - May 1998 study | Livable Wage Links

Category Year (2002) Month (2002) Month (2000) Comments
Rent $6,324.00 $527.00 $504.00 Fair market rent for single bedroom apartment, including utilities. Source: HUD
Transportation $1,998.53 $166.54 $151.23 Weighted average of amount spent on cars, public buses and bicycle. Source: Claritas and WOW
Food $1,939.80 $161.55 $152.30 Average of low-cost plan Food Stamp cost for males and females 20-50. Source: USDA
Telephone $318.00 $26.50 $25.97 Source: Verizon, Ithaca
Health Care $1,099.36 $91.61 $82.72 Employee’s share premium Aetna Health Care plan plus additional out-of-pocket medical expenses. Source: Alternatives’ Human Resource Manager; Claritas
Recreation $1,377.00 $114.75 $107.23 Reading materials, computer hardware, software, TV, radio, sound equipment. Source: Claritas
Savings $600.00 $50.00 $50.00 Source: Alternatives Federal Credit Union
Misc $1,382.50 $115.21 $113.71 Clothing, personal care, housekeeping, small appliances, etc. Source Claritas
Net (Subtotal) $15,039.19 $1,253.26 $1,187.16 (5.57% increase)
Payroll $1,381.65 $115.14 $111.82
Federal $1,253.43 $104.45 $129.26
State $386.53 $32.21 $33.47
Total $18,060.80 $1,505.06 $1,461.71 (2.97% increase) $8.68@40 hrs/wk; $ 9.14@38*
Day Care Expenses
Age 2 $628.30 Source Day Care Council
Ages 3,4 $541.61 Source Day Care Council