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 * ** Item ** || ** Description ** || ** Item Value ** || ** Luxury **
 * Necessity ** || ** Online Source ** ||
 * 46" TV || Sony Bravida 46" LCD TV || 1399 || Luxury || __ [] __ ||
 * Ipod Nano || Ipod Video Nano with 8 GB memour || 149 || Luxury || __ [] __ ||
 * Xbox 360 || Xbox 360 Video Game || 259 || Luxury || __ [] __ ||
 * bed frame || bed frame full size || 477 || Luxury || http://www.roomstogokids.com/furniture/noresults?_dyncharset=UTF-8&Dy=1&Nty=1&Ntt=matress+full+size&search.x=0&search.y=0&_D%3Asearch=+ ||
 * matress || matress full size ||  || Luxury ||   ||
 * sheets || sheets full size || 79.99 || Luxury || http://www.roomstogokids.com/furniture/noresults?_dyncharset=UTF-8&Dy=1&Nty=1&Ntt=matress+full+size&search.x=0&search.y=0&_D%3Asearch=+ ||
 * refrigator || refrigator || 1899 || Luxury || [] ||
 * lamp || bedroom lamp || 39.97 || Luxury || [] ||
 * vaccum || vaccume || 39.96 || Luxury || [] ||
 * microwave || kitchen microwave || 55.44 || Luxury || [] ||
 * towels || bathroom towels || 30.48 || Luxury || [] ||
 * trash can || metal trash can || 58.59 || Luxury || [] ||
 * mini fridge || room mini fridge || 106.39 || necessity || [] ||
 * table || dinning table || 319 || Luxury || [] ||
 * stove || kitchen stove || 1099 || Luxury || [] ||
 * coffee maker || kitchen coffee maker || 16.88 || necessity || [] ||
 * dishes || kitchen dinning dishes || 39.99 || Luxury || [] ||
 * silverware || kitchen silverware || 14.99 || Luxury || [] ||
 * washing machine || Clothing washing machine || 244.99 || Luxury || [] ||
 * dryer || clothing dryer || 235 || Luxury || [] ||

=**Questions:**=
 * 1) =Why do people use credit cards? **People use credit cards to whenever they do not have cash with them so they use their credit card to buy it but they pay later.**=
 * 2) =What are advantages and disadvantages of credit cards? Advantages is that you can use the credit card when you do not have cash with you. Disadvantages is that you can get carried away by buying a lot of things which would add to their list of payment. The more they buy and do not pay what they have to pay right away they the interest percentage rises up.=
 * 3) =What do the following terms mean? credit card, principal, APR, simple interest, monthly payments. Credit cards is buying now and paying later, Principle is the money you owe, APR means annual percentage rate, simple interest is, monthly payment are the payment that they have to pay each month for every utility they use that are the basis of living.=
 * 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?By understanding this it helps you to keep organize and responsible in the years to come when it comes to financial payments and banking problems.=
 * 5) =What is the most important idea you have learned from this lesson? The most important idea that I have learned is keeping your payments on time and being responsible.=