My Life Board by Daniel Paev https://padlet.com/dpaev077/gz1k5iyig3h0 Board of Life en-us 2018-02-08 15:28:23 UTC 2025-11-21 13:20:53 UTC hello@padlet.com Location Decision-Makeing dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/229626057 2018-02-08 15:36:50 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/229626057 Saving and Investing dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257678167 2018-05-03 14:34:41 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257678167 Retierment dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257678345 Start by May 2018
Plan:
1. Get a job 
2. Save $100 of every paycheck to my bank account
3. Invest my money in stocks and take advantage of the stock market profits
4. Every year contribute a lager amount of money into my 401k
7. Retire]]> 2018-05-03 14:35:02 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257678345 Apartment dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257684055 Start by May 2018
Plan:
1. Get a job
2. Save $100 of every paycheck in my bank account
3. Move into my grandma's Chicago condo
4. Take apartment under my name
5. Take on the payments and bills]]> 2018-05-03 14:45:15 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257684055 2018 Corvett dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257684969 Start by May 2018
Plan:
1. Save $100 of every paycheck in my savings accounts
2.  Place a down payment on the car
3. Take my time and pay the car off
4. Fully payoff car]]> 2018-05-03 14:46:37 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257684969 Collage Fund dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257686615 Start by May 2018
Plan:
1. Get a job
2. Invest $100 of every paycheck into my collage fund
3. As I get older invest more and more money in my fund]]> 2018-05-03 14:49:19 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/257686615 Car Insurance dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259297283 Type: Collision Coverage
Description:
Covers me when I get into a collision. Must pay deductible first.]]> 2018-05-09 14:27:44 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259297283 Buying Goods and Services - Home Buying dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259298492 Cost of Home: $176,266
20% down payment: $35,253.2
Property Taxes: 2.11%
Loan Amount (Amount FInancing):
Monthly Payments: $3,719.21


REFLECTION
Looking back on my initial city choice, I've decided that on my budget for my career, I wont be able to make this house work for myself.]]> 2018-05-09 14:30:07 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259298492 Using Credit dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259300033 Credit One Bank Platinum Visa
Benefits/Information: Good for rebuilding credit score
APR: 17.49%
Annual Fees: $0 - $99
Penalties: N/A
Rewards: Cash Back


Why/Reflection
I chose the Platinum Visa because after doing my research, I discovered that it is expensive. But in addition it has Cash Back, $0 fraud liability, and helps build a credit score.]]> 2018-05-09 14:33:06 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259300033 Protecting Against Risk dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259301902 2018-05-09 14:36:53 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259301902 Home Owners and Renters Insurance dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259302322 Type: HO-1
Description: 
  • Fire or smoke
  • Explosions
  • Lightning
  • Hail and windstorms
  • Theft
  • Vandalism
  • Damage from vehicles
  • Damage from aircraft
  • Riots and civil commotion
  • Volcanic eruption
I chose this type of insurance because I believe it covers almost every possible threat to my home.
]]> 2018-05-09 14:37:37 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259302322 Banking and Financial Institiutions dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259451651 Bank: First American Bank
Location: 1865 S Cedar Lake Rd
(next to my house)
Services: Personal Banking, Business Solutions, Wealth Management, pensions and 401k
Perks: Mobil App
Interest Rates: 1%
ATM Fee: $0


]]> 2018-05-09 20:38:54 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259451651 Health Insurance dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259457431 Type: (POS) Health Insurance Plan
Description:
Allows me to be flexible when choosing my Physician, while still allowing for a primary care Physician. Basically gives me a better provider choice with lower premiums to pay.
 Physicians
Medical: Midwestern Institute of Health
Vision: Grayslake Eyecare Associates
Dental: Cedar Lake Dental

]]> 2018-05-09 21:06:27 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259457431 Life Insurance dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259462848 Type: Term Life Insurance
Description:
Insures my life for a term of up 30 years. Only payable if death occurs during the term. I chose this so that if i get married and die wile my kids are still young, this way they could get money from my death.]]> 2018-05-09 21:32:41 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259462848 Get into Texas A&M dpaev077 https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259637434 Start by May 2018
Plan:
1. Maintain a 3.3 - 3.4 GPA through high school
2. Get at 1300 in my SAT
3. Apply to get in
4. Get in]]> 2018-05-10 14:31:51 UTC https://padlet.com/dpaev077/gz1k5iyig3h0/wish/259637434