https://padlet.com/agent144/ijotlxxl6hli By: Lexie Gentile en-us 2018-02-08 16:22:59 UTC 2023-07-05 22:15:04 UTC hello@padlet.com agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/229661873 In this project we researched different possible living locations. We determined the pros and cons and made a decision what place would work well for us to live in in the future.]]> 2018-02-08 16:26:02 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/229661873 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/257708851 2018-05-03 15:27:36 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/257708851 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/257709392 PLAN:
Start by 2022
1. Set up an IRA through bank.
2. Put away $150 a month into 401k.
3. Make allowances on W-4 1 to increase monthly paycheck.]]> 2018-05-03 15:28:42 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/257709392 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/257715738 PLAN:
By 2021
1. Put $100 per paycheck away into savings.
2. Save up 25% of cars worth for down payment.
3. Maintain good credit score to get a low interest rate.

]]> 2018-05-03 15:40:49 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/257715738 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/257715777 PLAN:
By 2025
1. Put $50 a month into savings account.
2. Put $50 a month into mutual funds.
3. Put money towards a CD.]]> 2018-05-03 15:40:55 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/257715777 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/257717249 PLAN:
By July 2018
1. Put $100 a month into savings.
2. Over pay student loans as much as possible to decrease interest over time.
3. Begin paying student loans back as soon as possible.]]> 2018-05-03 15:43:39 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/257717249 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/257717700 PLAN:
By 2020
1. Invest in stock market.
2. Put $75 a month into savings account.
3. Have an emergency credit card.]]> 2018-05-03 15:44:32 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/257717700 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/259324222 Bank name- Chase Bank
Accounts chosen- Savings, Checking and Credit Card

I chose this bank because it is a national bank. Chase Bank is also close to my house and is easy to get to. I already bank with Chase, so I would not have to change my bank.]]> 2018-05-09 15:23:20 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/259324222 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/259326154 Cost of home= $149,900
20% down payment=$29,980
Property taxes= $870 (in 2017)
Loan amount(amount financing)=  $119,920
Monthly payments= $614

I chose this house because it fit in my budget and I feel it would be nice for a first home. Taxes here are cheap and the cost of the house isn't too bad. The surrounding neighborhood has good scores and so do the school districts.]]> 2018-05-09 15:27:21 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/259326154 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/259328092 Credit card name- Chase Freedom Unlimited Credit Card
Benefits/Information= No APR for the first 15 months, earn unlimited 1.5% cash back on every purchase, $150 bonus after you spend $500 on purchases in the first 3 months.
APR= 16.49%-25.24%
Default APR= 
Annual Fees= No annual fees
Rewards= No annual fees, low APR, 1.5% automatic cash back on each purchase.

After researching, I decided to get a credit card through Chase Bank because of the benefits they give.There are no annual fees and you have no APR for the first 15 months. After 15 months pasts, the Annual Percentage Rate stays relatively low. Chase Bank also offers zero liability protection, meaning you won't be held responsible for unauthorized charges.]]> 2018-05-09 15:31:07 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/259328092 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/259329325 2018-05-09 15:33:35 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/259329325 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/259329959 In the future I plan on getting medical and dental insurance. 

I want to do this so I can be protected in the future . You never know what may happen out of the ordinary and we learned that from the unexpected events in the budget challenge. Getting these is smart because if something does happen I won't have to completely pay out of pocket for the costs, which could be thousands of dollars. All I would have to do is pay the premium.]]> 2018-05-09 15:34:51 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/259329959 agent144 https://padlet.com/agent144/ijotlxxl6hli/wish/259330315 I plan on having full coverage insurance on my car(s) in the future. I am doing this so that I will be protected from risk and if something happens I will not have to pay completely out of pocket in order to fix my car. This will cover any liabilities, body injuries and property damages to others.]]> 2018-05-09 15:35:32 UTC https://padlet.com/agent144/ijotlxxl6hli/wish/259330315