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 * ** Item ** || ** Description ** || ** Item Value ** || ** Luxury or **
 * Necessity ** ||
 * Refrigerator || French Door Refrigerator || 1037 || Necessity ||
 * Washer || Front Load Washer || 1169 || Necessity ||
 * Dryer || 5 Heat Selections || 629 || Necessity ||
 * Stove || Smoothtop Electronic Range || 539.99 || Necessity ||
 * Matress || Foam Matress || 249.99 || Necessity ||
 * Microwave || 700 watts of cooking power || 50.47 || Necessity ||
 * Oven || Single Gas Wall Oven in Black || 620 || Necessity ||
 * Pillow || Two pack of pillows || 4.97 || Luxury ||
 * Blanket || Blue Throw || 5.57 || Luxury ||
 * Sheets || Tan || 8.97 || Necessity ||
 * Dining Set || 5 piece wood; Natural color || 109 || Necessity ||
 * Bean Bag || Large 4' Fuf Comfort; Black || 110.77 || Luxury ||
 * Sofa || Loveseat || 227.86 || Luxury ||
 * Book shelf || Wood; color white || 27.84 || Luxury ||
 * Desk || L-Shaped Desk;Black & Cherry || 89.98 || Luxury ||
 * Mirror & Dresser || Black; 6-Drawer || 234.02 || Luxury ||
 * Lamp || 5 Lights || 17.97 || Luxury ||
 * TV || 60” screen || 599.99 || Luxury ||
 * MacBook || 12” display; Gold || 999.99 || Luxury ||
 * Towels || 6 of them;Color: Perfect Ivory || 19.99 || Necessity ||
 * Lamp || Iron Scroll Table Lamp || 69.99 || Necessity ||
 * Nightstand || Open Shelf; White || 170.99 || Luxury ||
 * Bed Frame || White with storage || 239 || Necessity ||

=**Questions:**=
 * 1) =Why do people use credit cards?=
 * People use credit cards to pay for something now instead of later.
 * 1) =What are advantages and disadvantages of credit cards?=
 * You can buy things now and pay later is an advantage. Credit cards allow you to have impulse shopping is a disadvantage.
 * 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 and pay later
 * principal - the amount of money you owe
 * APR - annual percent rate
 * simple interest - money you are charged on top of the original purchase price
 * monthly payments- the amount you pay each month
 * 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?=
 * If you don't understand this you can fall into debt and will have a hard time getting out of debt.
 * 1) =What is the most important idea you have learned from this lesson?=
 * The most important thing is to manage your money carefully.