// Returns Dictionary containing enriched financial-table information: debt income ratio, debt income ratio rating, insurance rating, mortgage rating, and utility rating
public static Dictionary <String, String> Process(Dictionary <String, String> results, Newtonsoft.Json.Linq.JObject data)
{
double monthlyIncome = Enrich.RemoveDollarSignComma(data["totalMonthlyIncome"]);
results.Add("debtIncomeRatio", ComputeDebtIncomeRatio(data, monthlyIncome));
results.Add("debtIncomeRatioRating", RateDebtIncomeRatio(data, monthlyIncome));
results.Add("insuranceRating", RateInsurance(data, monthlyIncome));
results.Add("utilityRating", RateUtility(data, monthlyIncome));
results.Add("mortgageRating", RateMortgage(data, monthlyIncome));
return(results);
}
// Returns letter rating representing the percentage of monthly income spent on mortgage/rent: A: <10%, B: 10-20%, C: 20-24%, D: 24-28%, F: >28%
public static string RateMortgage(Newtonsoft.Json.Linq.JObject data, double monthlyIncome)
{
double mortgage = Enrich.RemoveDollarSignComma(data["mortgageOrRent"]);
if (mortgage == -1 || monthlyIncome == -1)
{
return(null);
}
double percentage = mortgage / monthlyIncome;
return(rate(percentage * 100, 10, 20, 24, 28));
}
// Returns letter rating representing the percentage of monthly income spent on utilities: A: <2%, B: 2-5%, C: 5-8%, D: 8-10%, F: >10%
public static string RateInsurance(Newtonsoft.Json.Linq.JObject data, double monthlyIncome)
{
double insurance = Enrich.RemoveDollarSignComma(data["insuranceSubtotal"]);
if (insurance == -1 || monthlyIncome == -1)
{
return(null);
}
double percentage = insurance / monthlyIncome;
return(rate(percentage * 100, 2, 3, 4, 5));
}
// Returns debt to income ratio: debt includes total amount of monthly income spent on loans/mortage/rent
public static string ComputeDebtIncomeRatio(Newtonsoft.Json.Linq.JObject data, double monthlyIncome)
{
double loanTotal = Enrich.RemoveDollarSignComma(data["loansSubtotal"]);
double mortgage = Enrich.RemoveDollarSignComma(data["mortgageOrRent"]);
if (loanTotal == -1 || mortgage == -1 || monthlyIncome == -1)
{
return(null);
}
double debtRatio = (loanTotal + mortgage) / monthlyIncome;
return(debtRatio.ToString().Substring(0, 4));
}
// Returns letter rating representing the percentage of monthly income spent on utilities: A: <2%, B: 2-5%, C: 5-8%, D: 8-10%, F: >10%
public static string RateUtility(Newtonsoft.Json.Linq.JObject data, double monthlyIncome)
{
double phone = Enrich.RemoveDollarSignComma(data["phone"]);
double electricity = Enrich.RemoveDollarSignComma(data["electricity"]);
if (phone == -1 || electricity == -1 || monthlyIncome == -1)
{
return(null);
}
double percentage = (phone + electricity) / monthlyIncome;
return(rate(percentage * 100, 2, 5, 8, 10));
}
// Returns disposable income: yearly compensation - federal tax - socail security tax - medicare tax
public static string ComputeDisposableIncome(Newtonsoft.Json.Linq.JObject data)
{
double compensation = Enrich.RemoveDollarSignComma(data["compensation"]);
double federalIncomeTaxWithheld = Enrich.RemoveDollarSignComma(data["federalIncomeTaxWithheld"]);
double ssTaxWithheld = Enrich.RemoveDollarSignComma(data["ssTaxWithheld"]);
double medicareTaxWithheld = Enrich.RemoveDollarSignComma(data["medicareTaxWithheld"]);
if (compensation == -1 || federalIncomeTaxWithheld == -1 || ssTaxWithheld == -1 || medicareTaxWithheld == -1)
{
return(null);
}
double disposableIncome = compensation - federalIncomeTaxWithheld - ssTaxWithheld - medicareTaxWithheld;
return(disposableIncome.ToString());
}
