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Single Premium Life Insurance (State Farm)
- You will have life time protection and you only need to pay one premium payment.
- This issues ages 0-80
- You're guaranteed that your cash value grows tax-deferred.
- You can earn dividends.
- And if you have car insurance with State Farm (which i do) i am entitled to the multiple line discount.

I decided to pick State Farm because my parents have State Farm and it seem that they are really good. I decided to go with the single premium life insurance because you will only have to make one payment and you don't have to worry about making more than one payment. This is also good because i will only need to budget around this once and be done. Sure money will be really really tight but I would rather get this out of the way in one payment and be done with it so i can have more money available in the future. Also I will be fully covered as well.

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Single Premium Life Insurance - State Farm®

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Single premium life insurance from State Farm provides lifetime protection with only one premium payment. No additional payments will ever be required.

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Homeowners insurance with State Farm.
- It covers losses to property due to...
-Weather: Storms, Wind, Fire, Hail, Lighting, Freeing of plumbing system, Weight of ice, snow or sleet.
Non-weather: Theft, Vandalism, Riots, Aircraft, and Vehicles.
- Accidental Direct Physical Loss: Water from plumbing, Tearing/bulging of heat/cooling systems, and artificially generated electrical current.
- I will get the multiple line discount since I am choosing State Farm for most of my insurances.
- Also get a discount if you have a fire, smoke, or burglar alarm or any home monitoring system.

I decided to go with these options because it basically protects you against most things that can happen to your home and and I am eligible for 2 discounts since I have State Farm for both my car and life, and if I have any type of smoke alarms or security I will get a discount as well. And the fact that this is all under one and not 2 separate coverage is a lot easier and is less money spent on homeowners insurance. I also depends on where you live and the chance of your house getting hit by any weather related events, and since i choose West Palm Beach which is know for having more natural disasters it is better and more convenient for me.

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Get more affordable home insurance from State Farm® with great home insurance discounts. Learn more and get a home insurance quote today.

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For car insurance I would also pick State Farm, but i picked 2 types of car insurance.
- Collision car insurance which protects my car if i ever happen to be in a car accident, meaning it will cover the expenses of fixing the car.
- Down side that it is only limited tot he cash value of the car and requires a deductible
- It also doesn't cover damage from theft, falling or flying objects, flood, hail, fire, hitting or being hit by an animal, natural disasters, storms, and vandalism.
- It is also recommended to have this insurance for a new car and to drop it if it is an older car since older cars have less of a value.
- Comprehensive car insurance basically covers everything that Collision does not cover.
- You are also covered for your car repair and a temporary car.
- This is also limited to the cash value of your car and may or may not have a deductible.
- Since this also depends on the value of your car you also need to take into consideration if this coverage is worth it for an older car.

I decided to pick these 2 car insurances because they were the most needed in my opinion. The rest were more for traveling cars or roadside assistance. I opted for these because in both scenarios you will get your car fixed. And they go hand in hand since one covers the other half that collision does not cover. I also took into consideration the age of the car which i would say would be pretty new which is why I also choose these two options. In addition if you take care of your cars they will be worth a bit more than you expect, it all depends on how you take care of your cars and if their maintenance is a priority.

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How It Works

In a covered accident, collision coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using, but aren't owned by anyone in your household.

Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice in order to save on your premium, or talk to your agent.

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Auto Insurance Collision Coverage - State Farm®

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In a covered accident, collision coverage extends beyond your own vehicle to include temporary substitute cars, newly-acquired cars, and cars you're using, but aren't owned by anyone in your household. Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits.

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United Health Care
- Vision: you can add your vision as a rider to your dental insurance.
- These benefits include: routine eye exams, prescription glasses or contacts, and discounts on other vision related surgery like laser surgery.
- It also provides cost savings and a broad/diverse provider network.
-Dental: Their dental plan covers things like preventive care which is routine cleanings with no waiting period
- Basic services like fillings which comes with a 4-6 month waiting period
- Major services like route canals which come with a 12 month waiting period.
- And with the premier choice your prices drop from..
- $94 for a routine check up to $0
- $155 for a filling turns into 16.20
- $1,187 for molar roots canal to $385
- But these only apply to rates in network.
- Medical:
- I chose the Hospital and Doctor Indemnity Insurance.
- This offers set benefit paid for covered expenses.
- Benefits paid regardless of other coverage.
- No out of pocket deductibles you have to pay
- You also don't have to stay in networks.
- Health ProtectoerGuard Hospital and Doctor Insurance is a Hospital and Doctor Indemnity Insurance that pays a set benefit for certain medical expenses that you are most likely to face during a year.
- It includes cash for covered medical expenses, benefit paid regardless of other coverage, plans that are year round, and no deductible to meet to receive payments.

I picked this because it combines both vision and dental and it gives you perks for having both with them. It also allows me to work with doctors that are out of network. And it lowers the costs of what you need to pay for check ups and procedures. What Ialso liked about united healthcare was that for medical insurance it pays the expenses that you are expected to have within a year. I think that this can save me money and I can change my plan according to my financial status. I think that these are good plans to start off with and hopefully once I establish a secure financial status I can look for an insurance with more coverage and it also depends on when I have family and how I will need to change my plan.

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Health insurance made simple | UnitedHealthOne

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Health insurance doesn't have to be complicated. Get a competitive online quote or personalized plan recommendations in next to no time.

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Chase Bank:
Benefits/Information: you can pick which type of credit card is more efficient for you, as in cash back cards, saving cards, cards for small business as well as travel. I choose the chase freedom unlimited cash back card.
APR: 0% APR in the first 15 months, after that there is a 16.49%-25.24% variable APR.
Default APR: 0%
Annual Fees: 0
- you get a $150 bonus when you spend $500 in the first 3 months

I chose this card because you get money back for using the card and it doesn't matter what you buy. Also the APR is no that much and I will be able to fit it in with my budget for the rest of the things an adult life has. You also get a few month of 0 APR which can give you time to save up money for the later payments or it can help you with saving money for other payments. You also don't have to pay any annual fees which can also save you extra money that can be placed towards other payments or towards a saving account. I think this is a good start for a student since you get cash back and you don't have to pay and annual fee. I also believe that the APR is not that bad and it can be something that a student can take on if they have a job. But you also have to keep in mind that you should use this card wisely and not go spending a lot of money even if you get cash back for spending money because you have other payments to pay.

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Explore cash back credit cards that offer great cash back rewards. Learn more about Chase freedom with cash back and apply online today.

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Buying Goods and Services - Home Buying 

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Buying Goods and Services - Home Buying 

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Cost of home=$399,000
20% down payment=$79,800
Property Taxes =$606
Loan Amount (Amount Financing)= 80,000
Monthly Payments=$2,843 (30 year fixed period)

I actually really liked this house and compared to the homes that were also listed this one was in my opinion the prettiest under 1 million house that I found. I also think that with my pay i will be able to budget this, it will be a rocky start but once i get in my flow of things i should be able to budget this better. I am also thinking that i will probably not be living alone and i will have help in paying this house off. They way i would make it work is spend less on luxury things and make food and not eat out or buy unnecessary things so i can keep paying the house and i will hopefully be getting raises as the years go by so my money won't be as tight as it was in the beginning and i also thing i will be living with someone so it won't be that hard.

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6421 Garden Ct, West Palm Beach, FL 33411 - 4 beds/3 baths

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(Beaches MLS) For Sale: 4 bed, 3 bath ∙ 2820 sq. ft. ∙ 6421 Garden Ct, West Palm Beach, FL 33411 ∙ $399,000 ∙ MLS# RX-10429736 ∙ Magnificent gated estate home located in gated Briar Bay! Situated on a corner lot...

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Chase Bank
- I chose his bank because it is close in regards to location.
- They are there to help you when it comes to any financial problems
- I also like how they have a wide variety of card options from a travel card, to cash back.
- It is also student friendly and they have accounts for students.
-  You also have access to over 16,000 chase ATM's
- Chase premier Platinum checking
- You will have $25 monthly service fee or a $0  with the following: A beginning day balance of 75,000 or more, and a minimum of $100 deposits to open account.
- You earn interest on your balance
- you don't get a fee when you don't use a chase ATM.
- There is no extended over draft fee.
- No incoming wire transfer   fee.
- No fee for counter checks, money orders, and cashier checks
- no annual rent for a safe deposit box

I picked this account based on my financial status in the future. I also like that with this account we can use any ATM and won't have to pay a fee which is convenient when you need to get cash fast. Plus you earn interest on your balance meaning that just by having money in this account I  will be able to gain more money. This can help me with having a little bit extra money that can be saved and useful for the future or for any unexpected events. But if my life doesn't not go as expected i will need to look further into what is better for me. And even if i am well off I still need to see what works for me and what will be better for me in the future and what will work for whatever budgeting plan that I have.

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Chase Premier Platinum Checking(SM) Account | Checking | Chase.com

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Open a Chase Premier Platinum Checking(SM) account now. 24/7 Customer Care. Earn interest on your balance, priority phone service, and no fees on using non-Chase ATMs.

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Plan:
By 2027
1. Finish schooling and start working for a few years to gain the experience without any distractions.
2. Get married and have a steady relationship
3.Have steady combined income to plan for children's future.
4. Open a savings account for future spending on children/prepare for their future.

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Plan: Which ever tesla is the newest or semi-new
By 2030
1. Build up credit score for loan
2. Save up money ($15 per month) for down payment
3. Spend less money on wants and pay more on car payments to finish paying faster.

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Plan:
By 2025
1. Put $20 in my savings account every month.
2. Plan out expenses for trip, research to save as much money possible.
3. Split payments with person who is coming with.
4. Find space in work schedule so it won't interfere with future job positions.

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Plan:
By 2021
1. Build up Credit score to be able to get a loan for a home.
2. Find roommates that will aid in paying rent.
3. Have a steady job with steady pay to plan payments for home.

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Plan:
By 2070
1.  Figure out what my future job offers when it comes to retirement plans
2. Invest money so I can increase my total retirement money in retirement account
3. Open up a savings account at bank, put in extra money you have every month