NewHomeLJ115

=Questions:=
 * 1) =Why do people use credit cards? So that they can spend money that they don't have at that time and can pay it back later.=
 * 2) =What are advantages and disadvantages of credit cards? One advantage is that you don't need to have the money at the time of purchase. A disadvantage is that it allows for impulse spending.=
 * 3) **What do the following terms mean? credit card, principal, APR, simple interest, monthly payments. Credit card is a method to buy now pay later. Principle is a fundamental part or piece. APR is annual percentage rate. Interest is a fee charged for borrowing money. Monthly payments are payments you need to pay monthly.**
 * 4) =How can understanding the math calculations for the principal, APR, simple and compound interest, and monthly payments of credit card debt affect your overall financial situation in the future? They can affect your overall financial situation in the future because knowing all of that teaches you to be more aware in the future of your finances.=
 * 5) =What is the most important idea you have learned from this lesson? The most important thing I've learned is about APR.=


 * ** How would **
 * You Spend $10,000 Dollars ** ||||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * ||  |||| Total Spent |||| Total Remaining: ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * ||  |||| ** $10,000.00 ** |||| ** $0.00 ** ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * ** Item ** || ** Description ** || ** Item Value ** || ** Luxury **
 * Necessity ** || ** Online Source ** ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Sofa bed || Small black sofa bed || $133 || Necessity || http://www.walmart.com/ip/Kebo-Futon-Sofa-Bed-Multiple-Colors/37663949 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Television || 38' TV || $168 || Luxury || http://www.walmart.com/ip/SCEPTRE-X322BV-HDR-32-LED-Class-720P-HDTV-with-ultra-slim-metal-brush-bezel-60Hz/25059351 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Dresser || Small wooden dresser || $53 || Necessity || http://www.walmart.com/ip/South-Shore-Smart-Basics-3-Drawer-Chest-Royal-Cherry/27125904 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Fridge || Small black mini fridge || $79.84 || Necessity || http://www.walmart.com/ip/Haier-1.7-cu.-ft.-Refrigerator-Black/35032711 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Washer and Dryer || Mini white washer dryer set || $585.00 || Necessity || http://www.walmart.com/ip/Haier-1.5-cu.-ft.-Capacity-Portable-Washer-with-Electric-Dryer-Value-Bundle/29700364 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Microwave || Black microwave || $49.00 || Necessity || http://www.walmart.com/ip/Hamilton-Beach-0.7-cu-ft-Microwave-Oven/20563927 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Stove and Oven || Silver stove and oven || $519.99 || Necessity || http://www.bestbuy.com/site/amana-30-self-cleaning-freestanding-gas-range-stainless-steel/6917001.p?id=1219243023363&skuId=6917001 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Lamp || Colorful lamp || $17.97 || Luxury || http://www.walmart.com/ip/YOURZONE-PL1058-Your-Zone-5-light-Floor-Lamp/21674362 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Freezer || Mini Freezer || $169.00 || Necessity || http://www.walmart.com/ip/Igloo-3.6-cu.-ft.-Chest-Freezer/15162426 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Recliner || Brown recliner || $179.00 || Luxury || http://www.walmart.com/ip/Oakwood-Microfiber-Recliner-Multiple-Colors/15579176 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Silverware Set || Stainless steel silverware || $12.97 || Necessity || http://www.walmart.com/ip/Mainstays-Whitney-20-Piece-Flatware-Set/20927838 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Table and Chair set || Wooden dining set || $273.53 || Necessity || http://www.walmart.com/ip/Wildon-Home-Freedom-5-Piece-Counter-Height-Table-Set-in-Light-Oak/19216009 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Microwave Cart w/ Drawer || Microwave cart with drawer || $89.00 || Necessity || http://www.walmart.com/ip/Microwave-Cart-with-Drawer-White/10770247 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Cups || A set of lots of glass cups. || $14.84 || Necessity || http://www.walmart.com/ip/Anchor-Hocking-Classico-16-Piece-Glassware-Set/10749452 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Chrome Box || Provides internet to my television || $159.99 || Luxury || http://store.hp.com/webapp/wcs/stores/servlet/us/en/hp-chromebox-cb1-016-pc?jumpid=ba_r329_hhocse&aoid=44661&003=6663635&010=J0K10UA#!&ABA=&ci_sku=J0K10UA ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Alienware 15 Laptop || Laptop || $1,199.99 || Luxury || http://www.dell.com/us/p/alienware-15/pd ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Desk || Brown desk || $159.99 || Necessity || http://www.ikea.com/us/en/catalog/products/S79046038/ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Chair || Black desk chair || $39.99 || Necessity || http://www.ikea.com/us/en/catalog/products/10196596/ ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Air curtain || Air || $165.95 || Necessity || http://www.globalindustrial.com/p/hvac/air-curtains/tpi/air-curtain-36-w-with-remote-control?infoParam.campaignId=T9F&gclid=CKaUj7XExsMCFRIjgQodRZUAwg ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Fan || Spinning fan || $32.99 || Necessity || http://www.walmart.com/ip/Optimus-30-Tall-Tower-Fan/20625630 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Bookshelf || A large bookshelf || $68.00 || Luxury || http://www.walmart.com/ip/Better-Homes-and-Gardens-8-Cube-Organizer-Multiple-Finishes/29741111 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Hangers || White hangers || $21.07 || Necessity || http://www.walmart.com/ip/Honey-Can-Do-Brilliant-Hangers-in-White/14922848 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Towel rack || Towel rack silver || $15.97 || Luxury || http://www.walmart.com/ip/York-Over-The-Door-Towel-Rack-White-Chrome/33455335 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Gameboy Advance || Purple Gameboy Advance || $180.00 || Luxury || http://www.amazon.com/Game-Boy-Advance-Console-Glacier/dp/B00005B8G1/ref=sr_1_6?s=videogames&ie=UTF8&qid=1423071523&sr=1-6 ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Fondue fountain || Silver fondue fountain || $14.00 || Luxury || http://www.kmart.com/nostalgia-products-mini-chocolate-fondue-fountain/p-011W005229651001P?sid=KDx01192011x000001&kpid=011W005229651001&kispla=011W005229651001P&kpid=011W005229651001&mktRedirect=y ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Bulldog puppy || Bulldog puppy || $2,500.00 || Luxury || https://www.apps.akc.org/apps/classified/search/index.cfm ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Block of gold || Block of 24kt gold || $1,289.66 || Luxury || http://www.bgasc.com/product/1-oz-gold-pamp-suisse-bar-with-assay-gbar_1_oz_pamps/1-oz-gold-bars?r=gp&gdftrk=gdfV29273_a_7c2941_a_7c9246_a_7cGBAR_1_OZ_PAMPS&gclid=CLeH_5XuyMMCFe_m7AodTFIA2g ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * 10 pounds of M&M's || M&M's || $249.99 || Necessity || http://www.mymms.com/shop/ProductDetails.aspx?id=28698&utm_source=Google&utm_medium=CSE&utm_campaign=Personalized_M_Ms&utm_source=google&utm_medium=PLA%20Shopping%20Feeds&utm_term=&utm_content=Everything&utm_campaign=P.B.PLA%20Product%20Listing%20Ad&kpid=28698&gclid=CJWTzrruyMMCFcdj7AodhhwArg ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Bouncy House || Giant bouncy house || $629.99 || Luxury || http://www.bouncehousesnow.com/buy/pc/Celebration-Bounce-House-and-Tower-Slide-by-Kidwise-p520.htm?gclid=CMCL_v3uyMMCFUk2gQodYUgArg ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Xbox one || Xbox one || $499.99 || Luxury || http://www.bestbuy.com/site/microsoft-xbox-one-500gb-console-kinect-assassins-creed-unity-bundle/8439023.p?id=1219339618142&skuId=8439023&ref=06&loc=01&ci_src=14110944&ci_sku=8439023&extensionType=pla_multichannel:g&s_kwcid=PTC!pla!!!62660307767!g!!47516510199&kpid=8439023&k_clickid=434c39c1-925b-4ef5-9b7c-8c262f80bbdc&kpid=8439023&lsft=ref:212,loc:1&ksid=434c39c1-925b-4ef5-9b7c-8c262f80bbdc&ksprof_id=15&ksaffcode=1346&ksdevice=c ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Treadmill || Treadmill with care plan || $420.00 || Luxury || http://www.walmart.com/ip/27407264?wmlspartner=wlpa&adid=22222222227019601016&wl0=&wl1=g&wl2=c&wl3=40331962832&wl4=&wl5=pla&wl6=78294416672&veh=sem ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||
 * Gumball machine || Gumball machine || $9.16 || Luxury || http://www.candywarehouse.com/products/classic-gumball-machine-bank-with-gumballs/?utm_source=google&utm_medium=cpc&utm_campaign=Shopping&utm_term=%7Bkeyword%7D&gclid=CNq095PwyMMCFQ0bgQod83wAiA ||  ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||   ||