https://padlet.com/jcoll270/2m8m1exe2xqw en-us 2018-02-08 15:28:30 UTC 2018-05-18 12:47:03 UTC hello@padlet.com jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257677029 2018-05-03 14:32:39 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257677029 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257677850 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 ]]> 2018-05-03 14:34:08 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257677850 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257688799 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). 

]]> 2018-05-03 14:52:13 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257688799 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257689884 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. 

]]> 2018-05-03 14:53:38 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257689884 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257691013 PLAN:
Start by: whenever 
Put extra money into a travel saving account. 
Plan annual vacations, road trips, country hopping, etc. 

]]> 2018-05-03 14:55:14 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257691013 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257691839 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.

]]> 2018-05-03 14:56:30 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/257691839 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259297267 Bank of America
Why I chose this bank:
Monetary tightening
Cost cutting
Mobile Banking functionality
Safe
Interest rate: .02%
APY: .02%]]> 2018-05-09 14:27:43 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259297267 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259298473 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. 

]]> 2018-05-09 14:30:05 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259298473 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259300300 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. ]]> 2018-05-09 14:33:27 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259300300 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259301856 2018-05-09 14:36:49 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259301856 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259302622 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

]]> 2018-05-09 14:38:13 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259302622 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259303152 Type: Collision Coverage
Description: Covers collisions after a small deductible. ]]> 2018-05-09 14:39:25 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259303152 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259976823

]]> 2018-05-11 15:07:33 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/259976823 jcoll270 https://padlet.com/jcoll270/2m8m1exe2xqw/wish/261895651 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.]]> 2018-05-18 12:41:03 UTC https://padlet.com/jcoll270/2m8m1exe2xqw/wish/261895651