My Life Board by Jaqueline Solano Salgado https://padlet.com/jsola189/g8ca0msf6ugo en-us 2018-02-08 15:28:30 UTC 2025-10-24 19:13:51 UTC hello@padlet.com Location Decision Making jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/229626598 2018-02-08 15:37:36 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/229626598 SAVING AND INVESTING jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/257677020 2018-05-03 14:32:38 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/257677020 RETIREMENT jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/257677829 PLAN:
Start by: 2021
-Set up a 401k

]]> 2018-05-03 14:34:05 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/257677829 HOUSE jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/259296360 PLAN: 
Start by 2021
-Invest $100 in money market
-Save $50 from paycheck every two months
-Allocate funds into stocks ]]> 2018-05-09 14:25:48 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/259296360 BANKING AND FINANCIAL SERVICES jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/259297324 NorStates Bank
Location(s): 2 banks in Round Lake, 1 in Waukegan
-Offers eStatements, mobile banking, CardValet, Surcharge Free ATMs, ACH Services, etc.
https://www.norstatesbank.com/]]> 2018-05-09 14:27:47 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/259297324 BUYING GOODS AND SERVICES-HOME BUYING jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/259298487 Cost of Home = $179,900
20% Down Payment = $35,980
Property Taxes = $3633
Loan Amount (amount financing) = $10,000
Monthly Payments = $1,280

Reflection: I would be fine to make the monthly payments along with other bills with the money I would receive from my career but I would have to save to make the down payment, since I don't want to have a high loan.
https://www.zillow.com/homes/for_sale/Grayslake-IL/pmf,pf_pt/83385733_zpid/31841_rid/globalrelevanceex_sort/42.411797,-87.906418,42.279594,-88.140908_rect/11_zm/ ]]> 2018-05-09 14:30:07 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/259298487 USING CREDIT jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/259299853 Credit Card Name: Bank of America Cash Rewards
Benefits/Information:
APR = Low Introductory APR offerIntroductory 0%† APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After that, a Variable APR that's currently 14.74% to 24.74% will apply. 3% fee (min $10) applies to balance transfers.

Annual Fees = None
Penalties = N/A
Rewards = 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. 


Etc. = Text banking
Why/Reflection:
I would choose this card because it would help me since I would be spending most of my money on gas and groceries at that stage of my life, but it would still give me 1% reward for purchases anywhere else.

https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/#cardDetailsCcModule
]]> 2018-05-09 14:32:50 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/259299853 PROTECTING AGAINST RISK jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/259302102 2018-05-09 14:37:13 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/259302102 HEALTH INSURANCE jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/259302323 Point-of-Service Plan
-Includes more freedom to choose healthcare providers compared to an HMO
-Can see in-network and out-of-network doctors
-Lots of paperwork involved
-Need to pay premium, deductible, and copays or coinsurance]]> 2018-05-09 14:37:37 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/259302323 VACATION jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/259504023 PLAN:
Start by summer 2019
-Allocate a portion of my tips to fund this vacation

]]> 2018-05-10 02:37:42 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/259504023 jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/261244544 2018-05-16 14:51:50 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/261244544 jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/261245205 2018-05-16 14:53:17 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/261245205 PROTECTION AGAINST RISK jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/261246159 2018-05-16 14:55:44 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/261246159 AUTO INSURANCE jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/261905591 Statefarm Comprehensive car insurance
-Protects against other damages such as theft, hail, floods, etc
Doesn't protect: collisions, injuries, etc. ]]> 2018-05-18 13:12:03 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/261905591 HOMEOWNERS INSURANCE jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/261907875 HO-2
Covers against: 
  • Falling objects
  • Weight of ice, snow, or sleet
  • Freezing of household systems like AC or heating
  • Sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other household systems
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental damage from artificially generated electrical current
]]> 2018-05-18 13:17:56 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/261907875 REFLECTION FOR PROTECTION AGAINST RISK jsola189 https://padlet.com/jsola189/g8ca0msf6ugo/wish/261908826 I would get these plans because I feel that these would fit my needs better such as being able to choose healthcare providers and in-network or out-of-network. 

I choose the Comprehensive insurance because last year there was a flood and many people lost their cars. 

I choose HO-2 because HO-1 isn't recommended as well as others and it protects against more things in your home that are more likely to happen]]> 2018-05-18 13:20:12 UTC https://padlet.com/jsola189/g8ca0msf6ugo/wish/261908826