Angela (from Problem 1) inspects her chequebook and credit card bills and determines that she has the following monthly expenses:

Rent....................................................................$500

Cable TV..............................................................30

Electricity...........................................................100

Water..................................................................25

Telephone...........................................................40

Groceries............................................................400

Car expenses.....................................................350

Disability insurance..........................................100

Critical Illness insurance..................................100

Clothing and personal items..........................175

Recreation.........................................................300

What is Angela’s net cash flows?