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 * ** Item ** || ** Description ** || ** Item Value ** || ** Luxury **
 * Necessity ** ||
 * Mattress || 8'' Foam Top || 132 || Necessity ||
 * Sheet Set || Gaythorne 100% Polyester || 44 || Necessity ||
 * Set of 2 Table Lamps || Carrillo 28" with Drum Shade || 120 || Necessity ||
 * Cookware Set || 14 Piece with Thermo-Spot || 56 || Necessity ||
 * Sofa || Athena Convertible Sofa || 403 || Luxury ||
 * Club Chair || Porter Club Chair || 300 || Luxury ||
 * TV Stand || Black 24" H x 58" W x 16" D || 145 || Luxury ||
 * Coffee Table || Newdale with Lift Top || 149 || Luxury ||
 * Refrigerator || 25.8 cu. ft. Bottom Freezer || 3145 || Luxury ||
 * Area Rug || Artemis Blue || 223 || Luxury ||
 * Outside Furniture || Tribeca 4 Piece Deep Seating || 499 || Luxury ||
 * Fire Pit || Cast Stone Wood || 169 || Luxury ||
 * Dinner Plate || Black, Set of 4 || 28 || Necessity ||
 * Tower Cabinet || White Shelf || 175 || Luxury ||
 * Outside Storage || Brown || 234 || Necessity ||
 * Coffee Maker || Coffee and Espresso Maker || 150 || Necessity ||
 * Closet Organizer || 16'' wood || 469 || Necessity ||
 * Bookshelf || White Bookshelf || 1300 || Luxury ||
 * Bedroom Set || Brown Panel 5 Piece || 2160 || Necessity ||
 * Canvas || Sweet Escape Canvas || 56 || Luxury ||
 * Mirror || Set of 3 Mirrors || 26 || Luxury ||
 * Throw Pillow || Starfish Pillow || 17 || Necessity ||

=**Questions:**= >> Rewards >> Protection: If the credit card is stolen, you don't have to pay the bill for what the theif purchased. If the cash is stolen, I don't get it back. > > > > >
 * 1) Why do people use credit cards?
 * Easier to track what spend
 * 1) What are advantages and disadvantages of credit cards?
 * Advantages:
 * Purchase Power and Ease of Purchase
 * Protection of Purchases
 * Building a Credit Line
 * Emergencies
 * Credit Card Benefits
 * Disadvantages:
 * Blowing Your Budget
 * High Interest Rates and Increased Debt
 * Credit Card Fraud
 * 1) What do the following terms mean? credit card, principal, APR, simple interest, monthly payments
 * Credit Card:
 * A card that allows you to buy now pay later.
 * Principal:
 * The amount borrowed or the amount still owed on a loan.
 * APR:
 * Annual percentage rate of interest.
 * Simple Interest:
 * When the interest is calculated and then added back on at the end of the term.
 * Monthly Payments:
 * Amount a borrower is required to pay each month until a debt is paid off.
 * 1) 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?
 * That can help my future by making me aware of how i can ruin my credit score and use too much money.
 * 1) What is the most important idea you have learned from this lesson?
 * Never trust anyone with your credit card.