My Life Board by Kacper Majka https://padlet.com/kmajk224/9hnquzxm18ju en-us 2018-02-08 15:28:18 UTC 2023-02-18 17:22:06 UTC hello@padlet.com Location Decision Making kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/229626143 2018-02-08 15:36:58 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/229626143 Saving and Investing kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/257677114 2018-05-03 14:32:47 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/257677114 Retirement kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/257677842 PLAN: The last goal to have is when kids are at college we can buy a vacation home in Florida and go there in winter while summer we stay in Illinois. I want to have lots of money left over for retirement to travel the world and being capable of buying anything I want that's a fair price. After working for lots of years with saving and investing money this goal can happen. 

]]> 2018-05-03 14:34:07 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/257677842 Money For Education kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/258033203 PLAN: For my first goal to happen I want to save my money I make now and not spend it on useless things. Every dollar will be important for tuition and I need to save up for that. I will work to make money and when I get money from people I will save that as well. ]]> 2018-05-04 13:54:19 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/258033203 Big Vacation kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/258033884 PLAN: The second goal to happen I need to work hard to save up money for a nice wedding and a honeymoon vacation somewhere tropical. There will be small yearly vacations to relax. Both of us will work hard for these dreams to happen. ]]> 2018-05-04 13:55:37 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/258033884 Comfortable Social Life kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/258034412 PLAN: For the third goal I want to settle down in my 30's with a nice house and family. I would've worked for a couple of years so now I can save more money due to raises and invest my money in shares or stocks. I will be on the lookout for smart decisions to see what's going up in price to make money. Also to make long term investments for bigger money.]]> 2018-05-04 13:56:47 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/258034412 Sports Car kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/258034945 PLAN: The fourth goal will happen when I have money left in the bank and want to go on a spending spree for a new car for myself. A car that will be for the weekend in the summer. I can open the roof and enjoy myself knowing i'm in a good spot. I would want a German sports car. ]]> 2018-05-04 13:57:50 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/258034945 Buying Goods and Services- Home Buying kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/259298456 Cost of Home= $775,000
20% Down Payment = $155,000
Taxes= $10,475
Loan Amount= $620,000
Monthly Payment=  $3,166
Reflection= Yes this house is very close to the 30% of the salary. My mortgage is $3,166 and I can pay $3,117. I can make more than $124,680 a year so I will fit perfectly with this budget. ]]> 2018-05-09 14:30:04 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/259298456 Using Credit kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/259300128 Credit Card Name= Chase Freedom Credit Card.
Benefits/Information= $150 bonus after spending 500$ for the first three months of opening credit card. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
APR=0% intro APR for 15 months from account opening on purchases and balance transfers.
After that, 16.49%–25.24% variable APR.
Annual Fees= None
Penalties= Big APR for late payments.
Rewards= Listed in Benefits/Information
Etc.= Builds up credit score overtime after using responsibly.
Why/Reflection= Out of all the credit cards this one had the best benefits for getting cash back. I didn't want airline miles. With the money back I can save up for vacations. Also a positive was that there was no annual fees.

]]> 2018-05-09 14:33:13 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/259300128 Banking and Financial Services kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/259300561 Why I chose this bank:
The bank I chose was Chase. It was reliable with lots of locations near me. It offers different types of rewards for credit cards which brought an interest to me. The fees on accounts are reasonably priced and there's ways to make them lower depending on how much money you have in the account. The interest rates are 0.01% for savings/checking accounts. For credit cards they range from 16.49%-25.24%. There is over 16,000 ATM's that I can use nationwide. They have different loans depending on credit scores and account balances. ]]> 2018-05-09 14:33:57 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/259300561 Protecting Against RIsk kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/259302251 2018-05-09 14:37:30 UTC https://padlet.com/kmajk224/9hnquzxm18ju/wish/259302251 Health Insurance kmajk224 https://padlet.com/kmajk224/9hnquzxm18ju/wish/259302420 Type and Other Details-
-Homeowners Insurance.
Car Insurance covering everything.
Medical Insurance.
Vision Insurance.
Dental Insurance.
Life Insurance.
with why/reflection: Home insurance to keep my home safe from accidents. Car insurance covering everything to be safe. All health insurance to be protected on everything I need. Life insurance if a family member passes away and I need money to pay for bills and other things.
Include link:
1.https://www.bcbs.com/
2.https://www.statefarm.com/



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