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Type: Term Life Insurance
Description: Insures for a 30 year term. Only payable with death occurs during term.
I chose this one because my loved ones will get money when I pass.

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Type: Collision Coverage
Description: Covers collisions after a small deductible.

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Type: (POS) Health Insurance Plan
Description:
Primary physician while also being flexible when choosing other physicians. Better provider choice with lower premium pay.
Dental: Ceder Lake Dental
Medical: Midwestern Institute of Health
Vision: Grayslake Eyecare Assosiates

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Credit Card: Bank of America Travel Rewards
Why?
Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time, no expiration
Benefits/Information:
APR = 0% for first 12 billing cycles for purchases
Annual Fees = None
Penalties =
Rewards = Travel Rewards
1.5 points for every $1 spent
20,000 Reward points offer
Etc.
Why/Reflection
Not only can I earn points with every purchase I make, which will help my traveling goal, It is also a very secure credit card with many security benefits and alerts to help me remember due dates and ODP.

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Cost of Home = 130,000
20% Down Payment= 26,000
Property Taxes =
Loan Amount (amount financing) = 15-year fixed
Monthly Payments= $770

REFLECTION
I chose a condo in Chicago, 1 bed/1bath. It is cute and looks very homely. I could afford it with my expected salary. I expect to be an art therapist or art director and the average salary would be from 45,000 to 70,000. After doing the math, I'm spending about 15% of my monthly budget on this home.

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Bank of America
Why I chose this bank:
Monetary tightening
Cost cutting
Mobile Banking functionality
Safe
Interest rate: .02%
APY: .02%

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PLAN:
Start by: 2025
Have a stable job with a consistent pay rate.
Decide a budget to follow.
Decide on an area I want to live in bases on how far from work, how nice it is, safety, $$$, etc.
Find a realtor
Rent/buy home.

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PLAN:
Start by: whenever
Put extra money into a travel saving account.
Plan annual vacations, road trips, country hopping, etc.

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PLAN:
Start by: 2023 - 2028
Graduate college with degrees in studio art and art therapy.
Get an internship.
Get experience in my field, in the real world.
Become an art therapist or art director.

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PLAN:
Start by: 2019
Apply to colleges
Apply for scholarships
Decide based on costs, distance, comfort.
Transfer to a Starbucks near the college I choose.
Attend college in Fall of 2019.
Double Major in Art Therapy and Studio Art  Continue to work in free time, saving for school and future plans.
Earn my Bachelors/Masters degree(s).
Graduate college in 2023 ( or later depending on degrees that I get).

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PLAN:
Start by: 2020
Set up an IRA.
Change allowances on W4 to 1 and move extra money to to IRA Account
Increase amount every year
Put $50 a month into money market, increase amount when convenient