My Lifeboard by Josette Brown https://padlet.com/jbrow663/5701kvsz643x en-us 2018-02-08 15:28:17 UTC 2025-10-09 23:17:41 UTC hello@padlet.com LOCATION DECISION MAKING jbrow663 https://padlet.com/jbrow663/5701kvsz643x/wish/229628251 Description: I chose two different places in the south, and I went through the differences, pros, and cons of both locations. What I ended up finding out is that Mckinney is one of the best places to live in America, and it is close to my family and my happy place.]]> 2018-02-08 15:39:44 UTC https://padlet.com/jbrow663/5701kvsz643x/wish/229628251 SAVING AND INVESTING jbrow663 https://padlet.com/jbrow663/5701kvsz643x/wish/257677069 I want to invest in...
-a car
-half of college
-plan for emergencies
-retirement
-vacations
-my wedding
-a comfortable living situation

I can save by... 
-making monthly payments in a savings account
-avoid dipping into that savings account (NOT a checking account)
-keep jars of change around the house: change adds up!


]]> 2018-05-03 14:32:42 UTC https://padlet.com/jbrow663/5701kvsz643x/wish/257677069 RETIREMENT jbrow663 https://padlet.com/jbrow663/5701kvsz643x/wish/257677828 Plan:
Start by 2020
-invest monthly payments into a savings account
-401k or 403b
-look into IRAs
-look into online investment tools and other resources.]]> 2018-05-03 14:34:05 UTC https://padlet.com/jbrow663/5701kvsz643x/wish/257677828 BANKING AND FINANCIAL SERVICES jbrow663 https://padlet.com/jbrow663/5701kvsz643x/wish/259297300 Bank to use: First Midwest Bank
Location: Near me. It is voted the best bank to use in Illinois.
Services offered: lots of protection against yourself, purchases, and travel.
ATM Fee: $3]]> 2018-05-09 14:27:46 UTC https://padlet.com/jbrow663/5701kvsz643x/wish/259297300 BUYING GOODS AND SERVICES: HOME BUYING jbrow663 https://padlet.com/jbrow663/5701kvsz643x/wish/259298495 Cost of home in Mckinney, Texas: 185,000
Estimated monthly payment: 696.37
The house is less that 30% of my average career salary, so I would be able to make this house work. This is considering I am actually making the average salary in my career.


]]> 2018-05-09 14:30:08 UTC https://padlet.com/jbrow663/5701kvsz643x/wish/259298495 USING CREDIT jbrow663 https://padlet.com/jbrow663/5701kvsz643x/wish/259300077 CC name: Bank of America
Why? It is voted the best cash back card, the best travel rewards card, and the best airlines reward card.
Benefits/rewards: offers cashback, and 10% customer bonus with each cash back use.
APR: 14.49% - 24.49% Variable APR
Annual fees: none
Penalties: no penalty APR
]]> 2018-05-09 14:33:10 UTC https://padlet.com/jbrow663/5701kvsz643x/wish/259300077 PROTECTING AGAINST RISK jbrow663 https://padlet.com/jbrow663/5701kvsz643x/wish/259300129 -I want to have homeowners insurance to help me in drastic cases such as robberies, fires, natural disasters, and other damage
-I want to have car insurance because it is illegal if I don't, and it will help cover expenses in unfortunate events, injuries, and accidents that could happen with my vehicle.
-I want to have health insurance, specifically medical, vision, and dental because it will financially help me in the event of injury, illness, and other events. 
-I want to have life insurance because it will help me pay for final expenses such as funeral, burial, medical, and other debts.]]> 2018-05-09 14:33:13 UTC https://padlet.com/jbrow663/5701kvsz643x/wish/259300129