I guess you are right about the utility. In my utility category, I also include cell phone, internet and cable TV. So my new estimation should be $200 (water, electricity) + $150 (cell phone, internet and cable TV) =350. Regarding to medical insurance, my number is coming from other source on internet. I think you are right about the transportation, so let me add another $50 for taxi to $120, so it will be around $170. I have a life insurance in the U.S. and it is term life for around 700K SDG and that is why it costs so high.
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