Ics17rosaehome


 * tv || LG - 24" Class || $89.99 || Luxry ||
 * Phone || Iphone 7 Plus || $769 || luxry ||
 * PS4 || Play station 4 || $250 || Luxury ||
 * Wifi || AC Whole home wifi system || $499.99 || Necesity ||
 * Vacuum || rumba || $899.99 || necesity ||
 * bed frame || Malm || $499.00 || necesity ||
 * Mattress || TEMPUR-Cloud || $1,199.00 || necestiy ||
 * night stand || kullen || $29.99 || necesity ||
 * mini fridge || Steel-Compact Refrigerator || $159.99 || necesity ||
 * dishwasher || Whirlpool 24" Stainless Steel Dishwasher || $289.99 || luxry ||
 * microwave || Hamilton Beach 1.3-cu. ft. Microwave Oven, Black || $63.63 || Luxry ||
 * stove || Gas Range in Stainless Steel || $427.50 || necesity ||
 * knifes || Premium Cutlery Knife Set with Knife Stand Magnetic Bar || $171.17 || necesity ||
 * Spoons || Versace Rosenthal Medusa Large Dinner Spoon || $154.71 || necesity ||
 * Fork || Versace Medusa Flatware Fish Fork || $445.00 || necestiy ||
 * Cups || Gold Plastic Cups || $4.87 || necesity ||
 * napkins || polyester gold napkins || $0.75 || necesity ||
 * plates || Gold Dinner Plates || $1.00 || necesity ||
 * rug || BAPE A BATHING APE APE HEAD RUG || $420.00 || necesity ||
 * blanket || Bathing Baby Milo Ape Soft Blanket || $59.99 || necesity ||
 * Bluetooth Speaker || Beats by Dr. Dre Pill Portable Speaker || $154.99 || necesity ||
 * surround sound || 5.1-Channel Bluetooth Speaker System || $199.99 || necesity ||
 * landry machine || 12-Cycle Front-Loading Washer || $699.99 || necesity ||
 * Clock || Jordan Clock || $2.17 || necesity ||
 * Dryer || 11-Cycle Electric Dryer with Steam - Platinum || $649.99 || necesity ||
 * pillow || gucci pillow || $20.00 || necesity ||
 * sofa || Modern Velvet Sofa, || $449.99 || necesity ||
 * bowl || Supreme Longevity Soup Set || $57.00 || necesity ||
 * sheets || versace bedding set 2 || $89.99 || necesity ||
 * febrezze || [|Febreze Noticeables Scented Oil Refill and Oil Warmer, with Gain Scent] || $5.49 || necestiy ||
 * laptop || Apple MacBook Pro 13.3 || $800.00 || necesity ||
 * laptop cover || Supreme Camouflage || $25.00 || necesity ||
 * painting || [|Kobe Bryant "Unstoppable" - 5 Piece Canvas Painting] || $36.66 || necesity ||
 * painting || Nike Foamposite Supreme Red Modern watercolor Splatter Oil Painting gallery matte print poster || $13.00 || necesity ||
 * phone case || [|Bape Supreme Shark Army Blue Case] || $17.99 || necesity ||
 * rug || Nike Dunk Hi Pro SB Supreme || $23.30 || necesity ||
 * towel || Gucci towel || $32.00 || necesity ||
 * hangers || Gold plastic hangers || $192.00 || necesity ||
 * soap || pink soap || $22.00 || necesity ||


 * || APR= 15% || Compound intrest ||  ||
 * Principal || %/month || Amount Due || payment ||
 * $10,000 || 1.25% || $10,125 || $400 ||
 * $9,725 || 1.25% || $9,847 || $400 ||
 * $9,447 || 1.25% || $9,565 || $400 ||
 * $9,165 || 1.25% || $9,279 || $400 ||
 * $8,879 || 1.25% || $8,990 || $400 ||
 * $8,590 || 1.25% || $8,698 || $400 ||
 * $8,298 || 1.25% || $8,401 || $400 ||
 * $8,001 || 1.25% || $8,101 || $400 ||
 * $7,701 || 1.25% || $7,798 || $400 ||
 * $7,398 || 1.25% || $7,490 || $400 ||
 * $7,090 || 1.25% || $7,179 || $400 ||
 * $6,779 || 1.25% || $6,863 || $400 ||
 * $6,463 || 1.25% || $6,544 || $400 ||
 * $6,144 || 1.25% || $6,221 || $400 ||
 * $5,821 || 1.25% || $5,894 || $400 ||
 * $5,494 || 1.25% || $5,562 || $400 ||
 * $5,162 || 1.25% || $5,227 || $400 ||
 * $4,827 || 1.25% || $4,887 || $400 ||
 * $4,487 || 1.25% || $4,543 || $400 ||
 * $4,143 || 1.25% || $4,195 || $400 ||
 * $3,795 || 1.25% || $3,843 || $400 ||
 * $3,443 || 1.25% || $3,486 || $400 ||
 * $3,086 || 1.25% || $3,124 || $400 ||
 * $2,724 || 1.25% || $2,758 || $400 ||
 * $2,358 || 1.25% || $2,388 || $400 ||
 * $1,988 || 1.25% || $2,013 || $400 ||
 * $1,613 || 1.25% || $1,633 || $400 ||
 * $1,233 || 1.25% || $1,248 || $400 ||
 * $848 || 1.25% || $859 || $400 ||
 * $459 || 1.25% || $465 || $400 ||
 * $65 || 1.25% || $65 || $400 ||
 * -$335 || 1.25% || -$339 || $400 ||
 * -$739 || 1.25% || -$748 || $400 ||
 * -$1,148 || 1.25% || -$1,162 || $400 ||
 * -$1,562 || 1.25% || -$1,582 || $400 ||
 * -$1,982 || 1.25% || -$2,007 || $400 ||
 * -$2,407 || 1.25% || -$2,437 || $400 ||


 * True or False??**
 * Making only the minimum monthly payment will get you out of debt quicker? True or False. Justify your answer with examples.
 * The higher the interest rate, means you will pay less interest in the long run? True or False. Justify your answer with examples.
 * Paying down on the principal will get your out of debt faster? True or False. Justify your answer with examples.
 * You should pay off your credit card bill every month? True or False. Justify your answer with examples.

Pros- purchasing power, rewards, pay later, build credit, Cons- intrest, late fees, easy spending, destroy credit Pros- Accepted everywhere, convenient, fast, easier to get, and good for tracking Con- fees, fraud, doesn't help build credit, no rewards same in our school we have to pay to go to school but public doesn't cost a penny
 * discretionary spending The book was not talking about government spending.- is government spending implemented through an appropration of bills
 * ====net worth - value of all assets ====
 * ====giving- transfer of possession to someone of something. ====
 * savvy shopping- shopping with coupons
 * budget- an estimate of income and expenditure for a set period of time
 * debt-something, typically money, that is owed or due
 * credit card pros and cons
 * debit card pros and cons
 * borrow and downpayment
 * borrow- take and use something from someone else with the intention of giving it back.
 * Downpayment- an initial payment made when something is bought on a credit card.
 * APR - Annual Percentage Rate
 * <span style="color: #000000; font-family: arial,helvetica,sans-serif; font-size: 9pt;">credit score- a creddit score is a numerical expression based on a level of analysis of a persons credit files or history
 * <span style="color: #000000; font-family: arial,helvetica,sans-serif; font-size: 9pt;">public and private colleges- A private collage may cost less out of pocket than a public collage does.

1.) To get things fast 2.)
 * instant gratification and convenience
 * tracking
 * rewards
 * credit history

3.) credit card- <span style="background-color: #ffffff; color: #222222; font-family: Roboto,arial,sans-serif; font-size: small;">a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit. principal- the beginning amount  APR- annual percentage rate  simple interest- a quick method of calculating the interest charge on a loan  compound interest- the addition of interest to the principal sum of a loan or deposit  monthly payments- payments you make every month  4.) if you know what's going on and what can happen it is easier to prevent things like bankruptcy 5.) The consequences of your actions in dealing with you finances.
 * easy to overspend
 * interest
 * access
 * acceptance
 * teens who apply need a co-signer