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 * How would You Spend $10,000 Dollars ||
 * ||  |||| Total Spent ||
 * ||  |||| $7,607.97 ||
 * Item || Description || Item Value || LuxuryNecessity ||
 * TV 70 inch || Tv || $1,000 || Necessity ||
 * Ipod Nano || Ipod Video Nano with 8 GB memory || $149 || Luxury ||
 * Xbox 360 || Xbox 360 Video Game || $259 || Luxury ||
 * Stove || Stove top || 66.95 || Necessity ||
 * Ruumba || Vacuum || 324 || Necessity ||
 * Tempurpedic || Matress || 94 || Necessity ||
 * couch || couch || 749.99 || Necessity ||
 * Clorax Bleach || Bleach || 3.97 || Necessity ||
 * Dish Washer || Dish washer || 382.33 || Necessity ||
 * Ps4 || Ps4 || 300 || Necessity ||
 * Golden SilverWare || Golden SilverWare || 50 || Necessity ||
 * Knife Set || Cutlery Set || 38 || Necessity ||
 * Vacuum || Vacuum || 400 || Necessity ||
 * Lava Lamp || Awesome Cool Lava Lamp || 40 || Necessity ||
 * home theater || home theater || 1999 || Necessity ||
 * Google Home || Google Home || 129 || Necessity ||
 * Lava Lamp || Lava Lamps || 92.74 || Necessity ||
 * Lava Lamp || Lava Lamps || 105 || Necessity ||
 * gold Sheets || Gold Sheets || 1000 || Necessity ||
 * Frozen Ball Pit || Ball pit || 30 || Necessity ||
 * Tiny Bounce House || Bounce house || 145 || Necessity ||
 * bed frame || pirate ship bed frame || 250 || Necessity ||


 * || APR=15% || Compound Interest ||  ||   ||
 * principal || %/Month || Amount Due || Payment ||  ||
 * $10,000 || 1.25% || $10,125 || $372 ||  ||
 * $9,753 || 1.25% || $9,875 || $372 ||  ||
 * $9,503 || 1.25% || $9,622 || $372 ||  ||
 * $9,250 || 1.25% || $9,365 || $372 ||  ||
 * $8,993 || 1.25% || $9,106 || $372 ||  ||
 * $8,734 || 1.25% || $8,843 || $372 ||  ||
 * $8,471 || 1.25% || $8,577 || $372 ||  ||
 * $8,205 || 1.25% || $8,307 || $372 ||  ||
 * $7,935 || 1.25% || $8,035 || $372 ||  ||
 * $7,663 || 1.25% || $7,758 || $372 ||  ||
 * $7,386 || 1.25% || $7,479 || $372 ||  ||
 * $7,107 || 1.25% || $7,195 || $372 ||  ||
 * $6,823 || 1.25% || $6,909 || $372 ||  ||
 * $6,537 || 1.25% || $6,618 || $372 ||  ||
 * $6,246 || 1.25% || $6,325 || $372 ||  ||
 * $5,953 || 1.25% || $6,027 || $372 ||  ||
 * $5,655 || 1.25% || $5,726 || $372 ||  ||
 * $5,354 || 1.25% || $5,421 || $372 ||  ||
 * $5,049 || 1.25% || $5,112 || $372 ||  ||
 * $4,740 || 1.25% || $4,799 || $372 ||  ||
 * $4,427 || 1.25% || $4,482 || $372 ||  ||
 * $4,110 || 1.25% || $4,162 || $372 ||  ||
 * $3,790 || 1.25% || $3,837 || $372 ||  ||
 * $3,465 || 1.25% || $3,508 || $372 ||  ||
 * $3,136 || 1.25% || $3,176 || $372 ||  ||
 * $2,804 || 1.25% || $2,839 || $372 ||  ||
 * $2,467 || 1.25% || $2,497 || $372 ||  ||
 * $2,125 || 1.25% || $2,152 || $372 ||  ||
 * $1,780 || 1.25% || $1,802 || $372 ||  ||
 * $1,430 || 1.25% || $1,448 || $372 ||  ||
 * $1,076 || 1.25% || $1,090 || $372 ||  ||
 * $718 || 1.25% || $727 || $372 ||  ||
 * $355 || 1.25% || $359 || $372 ||  ||
 * -$13 || 1.25% || -$13 || $372 ||  ||


 * Making only the minimum monthly payment will get you out of debt quicker? True or False. Justify your answer with examples. False- You would end up paying more.
 * The higher the interest rate, means you will pay less interest in the long run? True or False. Justify your answer with examples. False- The higher the rate the more you pay in total.
 * Paying down on the principal will get your out of debt faster? True or False. Justify your answer with examples. True- It will get you out of debt faster.
 * Should you pay off your credit card bill every month? True or False. Justify your answer with examples. True- It would be good if you could pay it off all at once but for most people, they have to pay monthly.


 * discretionary spending- Secret Spending
 * net worth- The money you have left after all your debt being paid.
 * giving- Donating money to charity
 * savvy shopping- Thinking about what you buy if it is a necessity or a want.
 * budget- The amount of money available to buy 1 and or more items.
 * debt- Money owed
 * credit card pros and cons- Instant Gratification, Too Convenient (Pro, Con, in that order)
 * debit card pros and cons- Accepted Nearly Everywhere A lot of fees for going over your balance.
 * borrow and downpayment- borrowing money from a bank in exchange for debt until paid off by you.
 * APR- Annual Percentage Rate
 * credit score- The history of your credit and whether or not you've spent your money in a good way.
 * public and private colleges- College Students usually go into debt from getting loans to go to college, private costs more, but you can apply for bigger loans and aid.


 * 1) What are advantages and disadvantages of credit cards? Credit cards are convenient but a lot of fees come with not paying your debt,
 * 2) What do the following terms mean? credit card, principal, APR, simple interest, compound interest, monthly payments. A credit card is a plastic card used to represent money loaned to you by the bank, Apr is the annual percentage rate, simple interest is the regular interest in making a purchase, compound interest is interest built over time, monthly payments are payments you make monthly to pay off you debt.
 * 3) 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? You will have less debt if you have a better knowledge of these principles and pay them off quickly.
 * 4) What is the most important idea you have learned from this lesson? Pay off your debt as quickly as possible to make sure it doesn't pile up in the end.


 * || APR=15% || Compound Interest ||  ||   ||
 * principal || %/Month || Amount Due || Payment ||  ||
 * $10,000 || 1.25% || $10,125 || $357 ||  ||
 * $9,768 || 1.25% || $9,890 || $358 ||  ||
 * $9,532 || 1.25% || $9,651 || $359 ||  ||
 * $9,292 || 1.25% || $9,408 || $360 ||  ||
 * $9,048 || 1.25% || $9,162 || $361 ||  ||
 * $8,801 || 1.25% || $8,911 || $362 ||  ||
 * $8,549 || 1.25% || $8,655 || $363 ||  ||
 * $8,292 || 1.25% || $8,396 || $364 ||  ||
 * $8,032 || 1.25% || $8,132 || $365 ||  ||
 * $7,767 || 1.25% || $7,865 || $366 ||  ||
 * $7,499 || 1.25% || $7,592 || $367 ||  ||
 * $7,225 || 1.25% || $7,316 || $368 ||  ||
 * $6,948 || 1.25% || $7,034 || $369 ||  ||
 * $6,665 || 1.25% || $6,749 || $370 ||  ||
 * $6,379 || 1.25% || $6,458 || $371 ||  ||
 * $6,087 || 1.25% || $6,164 || $372 ||  ||
 * $5,792 || 1.25% || $5,864 || $373 ||  ||
 * $5,491 || 1.25% || $5,560 || $374 ||  ||
 * $5,186 || 1.25% || $5,250 || $375 ||  ||
 * $4,875 || 1.25% || $4,936 || $376 ||  ||
 * $4,560 || 1.25% || $4,617 || $377 ||  ||
 * $4,240 || 1.25% || $4,293 || $378 ||  ||
 * $3,915 || 1.25% || $3,964 || $379 ||  ||
 * $3,585 || 1.25% || $3,630 || $380 ||  ||
 * $3,250 || 1.25% || $3,291 || $381 ||  ||
 * $2,910 || 1.25% || $2,946 || $382 ||  ||
 * $2,564 || 1.25% || $2,596 || $383 ||  ||
 * $2,213 || 1.25% || $2,241 || $384 ||  ||
 * $1,857 || 1.25% || $1,880 || $385 ||  ||
 * $1,495 || 1.25% || $1,514 || $386 ||  ||
 * $1,128 || 1.25% || $1,142 || $387 ||  ||
 * $755 || 1.25% || $764 || $388 ||  ||
 * $376 || 1.25% || $381 || $389 ||  ||
 * -$8 || 1.25% || -$8 || $390 ||  ||