https://padlet.com/fhuar312/io7zvnzq2a8o By: Fatima Huaracha en-us 2018-02-08 16:22:56 UTC 2023-05-18 23:09:18 UTC hello@padlet.com fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/229661882 2018-02-08 16:26:02 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/229661882 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257708846 2018-05-03 15:27:35 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257708846 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257709578 PLAN 
By 2020
1. Allocate 15% of my income to 401(k)
2.  Match my 401(k)  contribution with my employer. 
3. Look into roth 401(k) account. ]]> 2018-05-03 15:28:59 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257709578 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257716433 PLAN:
By 2024
1.  Look for cheap airline tickets and research places that have vacation packages.
2. Ask family in Spain to stay with them to cut off on expenses.
3. Save up $25 a month in a savings account each month.]]> 2018-05-03 15:42:04 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257716433 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257717138 PLAN:
Start by January 2019
1. Add $25 a month to my savings account. 
2. Put in $200 I got for my quinceanera in the savings account
3. Save my money from babysitting to the savings account.]]> 2018-05-03 15:43:26 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257717138 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257720683 PLAN:
Start by August 2018 
1.  Add $50 to a savings account each month. 
2. Research cars that would benefit me and are in my budget. 
3. Invest money into a mutual fund. ]]> 2018-05-03 15:50:33 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257720683 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257720980 PLAN:
Start by November 2018
1. Apply for as many  scholarships as I can.
2. Add $50 a month to the saving account my parents have for college.
3. Apply to be an RA to lower tuition.]]> 2018-05-03 15:51:11 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/257720980 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259326146 Cost of Home=  $524,900
20% Down Payment=$104,980
Property Taxes=
Loan Amount=70,000
Monthly Payments=$2,166

I chose this home because it was close to the area I live now but it's also close to many stores and shops. It's a house in Gurnee and it's a bit expensive but with the average salary of a lawyer I could probably pay it off every month. It had what I wanted indoors like an open floor plan, big rooms, and tall ceilings. ]]> 2018-05-09 15:27:20 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259326146 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259328117 Chase Freedom Unlimited

Benefits/Information: $150 bonus after I spend $500 in the first 3 months. Unlimited 1.5 % cash back on every purchase.

APR= 0% for the first 15 months, 16.49-25.24% after.

Annual Fees= None

Penalties= $15  fee if balance is  less than $100,
$ 27 fee if balance is less than $250 but more than $100, and $37 fee if balance is over $250.

Rewards= 1.5% Cash Back rewards for each $1 spent. This equals $0.015 in Cash Back rewards, which is equal to 1.5 points, for each $1 spent. These rewards can add up and can be exchanged for gift cards, cash, etc.

I chose this credit card because of the rewards and benefits can can receive from just using it. I think this is very beneficial and the points will add up and ill get more money.


https://creditcards.chase.com/?CELL=6TKV]]> 2018-05-09 15:31:08 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259328117 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259329684 2018-05-09 15:34:16 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259329684 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259330070
Preferred Provider Organizations (PPO)

PPOs are a network of health providers and specialist that work together. You also don't need a referral from a doctor to go to a specialist.


I chose a PPO because they are more flexible and provide a good coverage. These are both things I'd value in an insurance plan.]]> 2018-05-09 15:35:03 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259330070 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259339609 Chase Bank

Accounts chosen: Savings and Checking
Information:  5,100 branches and 16,000 ATMs for easy access in the US. There's also financial advisiors to help with investing.

I chose this bank because my family uses it and I've had a savings account there since I was little. There's also people to help me invest and since I've never invested, extra help would be nice.


https://accounts.chase.com/consumer/banking/online?px=GK49992&optX_src=t&jp_cmp=rb/401638/aff/3_47/na&CODE=SWlnSnn6x54-0fjmRQOgY2MsfVYYAxUxhw&]]> 2018-05-09 15:53:32 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/259339609 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/260143137 Comprehensive Insurance

This insurance provides an extra level of coverage in case of an accident involving another car. It could also pay for damage to the car besides collisions, including vandalism, some weather events and accidents with animals. 

I chose this insurance because in the area we live the weather can be harsh and it can help me cover for a weather related accident. Also general coverage if I get into an accident with another car.]]> 2018-05-12 14:21:30 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/260143137 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/260143171
HO-3

This insurance covers my home from perils such as fires, theft, vandalism, damage from vehicles, etc. It also covers any addition to the home such as a patio or garage.

I chose this insurance because it can help me cover almost anything that could go wrong in a home. Plus, it provides more financial protection than HO-2s.

]]> 2018-05-12 14:21:49 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/260143171 fhuar312 https://padlet.com/fhuar312/io7zvnzq2a8o/wish/260909300 2018-05-15 16:00:48 UTC https://padlet.com/fhuar312/io7zvnzq2a8o/wish/260909300