My Life Board by Andrew Petrusek https://padlet.com/apetr166/lj6j6nkn327s Board of Life en-us 2018-02-08 15:28:29 UTC 2026-01-08 21:43:58 UTC hello@padlet.com Location Decision Making apetr166 https://padlet.com/apetr166/lj6j6nkn327s/wish/229626447 In this project, I researched two different places, and chose Springfield because it was cheaper to live there.]]> 2018-02-08 15:37:25 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/229626447 Saving and Investing apetr166 https://padlet.com/apetr166/lj6j6nkn327s/wish/257677106 2018-05-03 14:32:46 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/257677106 Retirement apetr166 https://padlet.com/apetr166/lj6j6nkn327s/wish/257677906 Plan:
Start by 2025
- need a job
- do a 401K if offered by my place of work, or a IRA if it isn't
- $50 every 6 months into  a mutual fund
- $50 every 4 months into diversified stocks]]> 2018-05-03 14:34:13 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/257677906 MSI GS65 Stealth apetr166 https://padlet.com/apetr166/lj6j6nkn327s/wish/258030700 Plan:
Start by 2018
- Need a job
- put $50 in savings each month
- put $25 in stocks every 3 months]]> 2018-05-04 13:48:38 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/258030700 Wedding apetr166 https://padlet.com/apetr166/lj6j6nkn327s/wish/258033648 Start by 2027
- $50 into stocks every 4 months
- $50 into mutual fund every 6 months
- $50 into savings every 5 months]]> 2018-05-04 13:55:12 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/258033648 House apetr166 https://padlet.com/apetr166/lj6j6nkn327s/wish/258038163 Start by 2024
- $50 into stocks every 4 months
- $50 into mutual fund every 6 months
- $50 into savings every 5 months]]> 2018-05-04 14:04:17 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/258038163 Car apetr166 https://padlet.com/apetr166/lj6j6nkn327s/wish/258038202 Start by 2026
- $50 into stocks every 4 months
- $50 into mutual fund every 6 months
- $50 into savings every 5 months]]> 2018-05-04 14:04:21 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/258038202 Banking and Financial Services https://padlet.com/apetr166/lj6j6nkn327s/wish/259297249 Why I choose Citibank: they are close to where I live, they don't have atm fees on atm's they own, they have good Credit cards]]> 2018-05-09 14:27:42 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/259297249 Buying Goods and Services - Home Buying https://padlet.com/apetr166/lj6j6nkn327s/wish/259298469 Cost of house = $299500
20% down payment = $59900
Property taxes = $5906
Loan amount = $239600
Monthly payments (30 year loan) = $1709.17

Reflection:
Given that 30% of my monthly salary will be $2387.748 and the monthly payment would be 1709.17, this house is very easily affordable, so budgeting for it wouldn't be very hard at all.]]> 2018-05-09 14:30:05 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/259298469 Using Credit https://padlet.com/apetr166/lj6j6nkn327s/wish/259300072 Citi® Double Cash Card

Earn Cash Back TWICE!   1% cash back on purchases, + 1% cash back as you pay for them.

APR = 14.99% to 24.99%Variable APR
Annual Fees = 0
Penalties = none that I can find
Rewards = Earn Unlimited 1% Cash Back on Purchases: Earn 1% cash back on all your purchases, with no cap on the amount you can earn and no category restrictions.

Why/Reflection: I want this card becasue it has cash back, no annual fee, and is a offered by the bank I chose earlier
]]> 2018-05-09 14:33:10 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/259300072 Protecting Against Risk https://padlet.com/apetr166/lj6j6nkn327s/wish/259302066 2018-05-09 14:37:09 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/259302066 Health Insurance https://padlet.com/apetr166/lj6j6nkn327s/wish/259302271 Health insurance from finalquote.com
they offer health insurance for $89 or less per month]]> 2018-05-09 14:37:33 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/259302271 Homeowners Insurance https://padlet.com/apetr166/lj6j6nkn327s/wish/259302744 Homeowners insurance from liberty mutual
I've seen the ads on TV and they protect well.]]> 2018-05-09 14:38:28 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/259302744 Car Insurance https://padlet.com/apetr166/lj6j6nkn327s/wish/259302963 Car insurance from liberty mutual
I've seen the ads on TV and they protect well.]]> 2018-05-09 14:38:57 UTC https://padlet.com/apetr166/lj6j6nkn327s/wish/259302963