my life board by Peyton Weiss https://padlet.com/pweis183/ilx69da5q2j by Peyton Weiss en-us 2018-02-08 16:22:49 UTC 2026-02-13 11:12:37 UTC hello@padlet.com location decision pweis183 https://padlet.com/pweis183/ilx69da5q2j/wish/229661636 2018-02-08 16:25:44 UTC https://padlet.com/pweis183/ilx69da5q2j/wish/229661636 SAVING AND INVESTMENTS pweis183 https://padlet.com/pweis183/ilx69da5q2j/wish/257708983 some things i would like to invest in are... because
  • car
this might take me a longer time because i know that cars are expensive, even if they are used by carmax or something. The type of car i want is a jeep wrangler, its my dream car, and a used one would cost around $19,699 and that is a very expensive price tag. A car is most important to me because i love to travel and drive.
  • education (one year)
the only reason my education would be one year is because my parents agreed to pay for any three years of my schooling at Illinois State University, goal school, which is $28,295 per year. Hopefully I will be able to take all bonuses I have from a job, or save, and use it so I do not have a student loan for long
  • emergencies
I am not sure how much I should save for my emergencies fund, but I should have a seperate account set aside with $2k just in case? Also, my dad said its a good idea to save extra cash in a hidden compartment just in case I run out of gas or just in case i need something right away. 
  • wedding
I'm not that big of a fan of large weddings, but it would be nice to spend some money on an event that Ill look back on. I used to think weddings cost $100-$900 when i was a kid, but then i watched an episode of friends where monica and chandler start planning their wedding, and it was crazy. The average cost of a wedding in america is $30,000, which seems like a lot. I would be happy with a $10,000 wedding, full of friends and family.

]]> 2018-05-03 15:27:51 UTC https://padlet.com/pweis183/ilx69da5q2j/wish/257708983 RETIREMENT pweis183 https://padlet.com/pweis183/ilx69da5q2j/wish/257709430 I believe that I will be retiring with the same plan as my father. He says that once I graduate college and he still has a steady job, where he is now, he will take out all of the money saved up. I want to be able to have some sort of job, whether it be a student teacher or camp counselor, when i get out of college. It would be best for me to have two jobs at most because finding self enrichment jobs can be tough in schools. Once i find a school I absolutely love, there is no way i will move from it unless i want to retire or i am moved for a personal reason. Although, since I love the school atmosphere, I will try to stay where i am for a long time. With this, i hope to be financially stable enough to buy an apartment with my spouse and have all of our kids out of the house by then. ]]> 2018-05-03 15:28:46 UTC https://padlet.com/pweis183/ilx69da5q2j/wish/257709430 banking and financial services pweis183 https://padlet.com/pweis183/ilx69da5q2j/wish/259324209 bank name: Chase
accounts chosen: chase freedom unlimited credit card
information: 1.5% cash back with every purchase, 0% APR for the first 15 months of account opening
reflection/why I chose this bank: I chose Chase bank because i am very familiar with how the business works. I have had a debit card there for over three years, and both of my parents are joint with chase. Also, they are a very common bank, so if i was to go to the city or anywhere on vacation, there would be a very high chance of the larger chain banks being available.
https://www.chase.com/]]> 2018-05-09 15:23:19 UTC https://padlet.com/pweis183/ilx69da5q2j/wish/259324209 buying goods and sevices pweis183 https://padlet.com/pweis183/ilx69da5q2j/wish/259325998 cost of home: $190,000
20%down payment: $38,000
property tax:
loan amount (amount financing): 15 year fix, $1,222, %4.08 interest rate
monthly payment: $90

reflection
I knew that houses were expensive, but I didn't realize how expensive they actually were. I wanted to buy a full house but those were running for $400k, and I don't need a fancy house to be happy. Also with a 15 year fixed plan, I wont be as tied down to the house if i were to move. the only other option was 30 year fixed, and by then I would want to be in a house with me and my spouse. https://www.zillow.com/homedetails/3178-Shikra-Vw-Colorado-Springs-CO-80916/121870194_zpid/?fullpage=true




]]> 2018-05-09 15:27:04 UTC https://padlet.com/pweis183/ilx69da5q2j/wish/259325998 using credit pweis183 https://padlet.com/pweis183/ilx69da5q2j/wish/259328121 credit card name: chase freedom unlimited credit card
benefits, information: $150 bonus after spending $500 in first three months.
APR: 16%-24%
default APR: 0% for first 15 months
Annual fees: none
penalties: if you are late on payments your APR will spike
rewards: zero liability, covers 120 day damaged items bought with the card
etc:Fraud protections
reflection
I learned that APR is very risky when it comes to trying to pay late bills, but it also has a variety of features that benefit me as a card user
https://creditcards.chase.com/cash-back-credit-cards/chase-freedom?CELL=6TKX&IP3H=FH24R8&SP4R=Y71UH0&jp_aid=cc/mptarg1/int/FRE5/ccpers2

]]> 2018-05-09 15:31:09 UTC https://padlet.com/pweis183/ilx69da5q2j/wish/259328121 protecting risk pweis183 https://padlet.com/pweis183/ilx69da5q2j/wish/259329984 type and other details
I will need
vehicle insurance
   just to make sure if i am ever to get into a fender bender or full accident, I want to make sure i am covered by insurance and do not have to pay a crazy amount
health insurance
    generally everyone should be able to have health insurance. If somehow I was rushed to the hospital and needed surgery and to stay in there, the bill would be pretty hefty bill

why? reflection
Insurance is expensive. Bills these days are too expensive just because of labor dues. They are worth it, because if theres ever an accident, it will save thousands of dollars, sometimes.
]]> 2018-05-09 15:34:53 UTC https://padlet.com/pweis183/ilx69da5q2j/wish/259329984