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 * ** How would **
 * You Spend $10,000 Dollars ** ||
 * ||  |||| Total Spent ||
 * ||  |||| ** $9,999.64 ** ||
 * ** Item ** || ** Description ** || ** Item Value ** || ** Luxury **
 * Necessity ** ||
 * 55 inch TV || 55 led smart TV || $599 || Necessity ||
 * Wifi router || NETGEAR - Wireless-AC1750 Dual-Band Gigabit Router || $110 || Necessity ||
 * Iphone 7 plus || Rose gold iphone 7 plus || $969 || Necessity ||
 * refrigerator || Stainless steel 35 inch refrigerator || $1,297.00 || Necessity ||
 * dish washer || whirlpool gold 23.9 inch dish washer || $539.00 || Necessity ||
 * couch || charcoal waffle sofa || $767.00 || Necessity ||
 * bleach || Clorax bleach || $5.00 || Necessity ||
 * microwave || 1.6 cu microwave and exhaust system || $168.00 || Necessity ||
 * table || Fridgidare 30” || $319.00 || Necessity ||
 * plastic plates || heavy duty plate || $25.25 || Necessity ||
 * golden silverware || Arkita stainless steel 5pc || $17.99 || Necessity ||
 * kitchen table || Marble dinning table || $179.99 || Necessity ||
 * queen bed || faux leather up holstered queen bed || $405.89 || Necessity ||
 * washer || whirlpool top loading washer || $446.00 || Necessity ||
 * plastic cup || plastic cup || 0.29 || Necessity ||
 * lamps || 360 lighting set of two || $79.99 || Necessity ||
 * chair || costway set of 4 dinning chairs || $84.99 || Necessity ||
 * dryer || amana dryer || $299.00 || Necessity ||
 * lava lamp || 14.5 chalkboard lava lamp || 19.99 || Necessity ||
 * blanket || JC pennny velvet rush blanket || 29.99 || Necessity ||
 * roomba || 980 vacum robot || $899.99 || Necessity ||
 * speaker || google home controller wireless || $129.00 || Necessity ||
 * napkins || bounty napkins 220 napkins || $2.99 || Necessity ||
 * towels || solid bath towels || $5.99 || Necessity ||
 * fan || industrial fan 12 inch || $40.95 || Necessity ||
 * pillow || Donald trump, supreme brick, mexico wall || $23.34 || Necessity ||
 * sheets || versace bedding set 2 || $89.99 || Necessity ||
 * pillow || gucci pillow || $15.99 || Necessity ||
 * dresser || 6 drawer double dresser || $214.05 || Necessity ||
 * laptop || Alien 15 laptop || $2,149.99 || Necessity ||
 * laptop case || supreme laptop cover camouflage || $35.00 || luxury ||
 * iphone 7 plus case || Nex case waterproof case || $30.00 || luxury ||


 * ||  ||   || Apr =15% || compound interest ||   ||
 * Principal || %/month || Amount Due || Payment ||
 * $10,000 || 1.25% || $10,125 || $371 ||
 * $9,754 || 1.25% || $9,876 || $371 ||
 * $9,505 || 1.25% || $9,624 || $371 ||
 * $9,253 || 1.25% || $9,368 || $371 ||
 * $8,997 || 1.25% || $9,110 || $371 ||
 * $8,739 || 1.25% || $8,848 || $371 ||
 * $8,477 || 1.25% || $8,583 || $371 ||
 * $8,212 || 1.25% || $8,315 || $371 ||
 * $7,944 || 1.25% || $8,043 || $371 ||
 * $7,672 || 1.25% || $7,768 || $371 ||
 * $7,397 || 1.25% || $7,489 || $371 ||
 * $7,118 || 1.25% || $7,207 || $371 ||
 * $6,836 || 1.25% || $6,922 || $371 ||
 * $6,551 || 1.25% || $6,633 || $371 ||
 * $6,262 || 1.25% || $6,340 || $371 ||
 * $5,969 || 1.25% || $6,044 || $371 ||
 * $5,673 || 1.25% || $5,743 || $371 ||
 * $5,372 || 1.25% || $5,440 || $371 ||
 * $5,069 || 1.25% || $5,132 || $371 ||
 * $4,761 || 1.25% || $4,821 || $371 ||
 * $4,450 || 1.25% || $4,505 || $371 ||
 * $4,134 || 1.25% || $4,186 || $371 ||
 * $3,815 || 1.25% || $3,862 || $371 ||
 * $3,491 || 1.25% || $3,535 || $371 ||
 * $3,164 || 1.25% || $3,204 || $371 ||
 * $2,833 || 1.25% || $2,868 || $371 ||
 * $2,497 || 1.25% || $2,528 || $371 ||
 * $2,157 || 1.25% || $2,184 || $371 ||
 * $1,813 || 1.25% || $1,836 || $371 ||
 * $1,465 || 1.25% || $1,483 || $371 ||
 * $1,112 || 1.25% || $1,126 || $371 ||
 * $755 || 1.25% || $765 || $371 ||
 * $394 || 1.25% || $399 || $371 ||
 * $28 || 1.25% || $28 || $371 ||  ||   ||   ||
 * 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.
 * 1) False it will only pay out the interest and a little bit of money. It would take a much longer time if you pay the minimum amount.
 * 2) False of the interest is higher the amount you pay over time gets higher. Because interest is a percentage it would just make the price of your loan or purchase higher.
 * 3) False you have to pay more then the minimum amount so that you pay a little of the principal amount.
 * 4) True if you pay off the bill every month you will not have to pay interest or a late fee


 * discretionary spending- spending money on things that you want but don't need
 * net worth-amount left when you subtract what you owe from what you own.
 * giving-donating money
 * savvy shopping-a intelligent way of buying which includes doing research for the on what you are attempting to purchase.
 * budget- how much of your income goes into your bills and taxes, so you can see how much u have left.
 * debt- owing money to someone or a company
 * credit card pros and cons-Pros: you can buy anything at anytime you don't have to wait, very nice monthly record. Con: Makes it very easy to overspend, Not all people have to or qualifies for credit cards
 * debit card pros and cons-Pro: accepted almost anywhere, Easier to get than a credit card. Con- spending does not build your credit history,
 * borrow and downpayment- borrow is when you ask for money and receive it like loan. down payment is a amount of money you put down.
 * APR-Annual Percentage rate
 * credit score-how trust worthy you are with your payments which is based upon previous payments.
 * public and private colleges- you pay for private and government pays for public

=**Questions:**=


 * 1) =Why do people use credit cards?=
 * 2) =What are advantages and disadvantages of credit cards?=
 * 3) =What do the following terms mean? credit card, principal, APR, simple interest, compound interest, monthly payments=
 * 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?=
 * 5) =What is the most important idea you have learned from this lesson?=