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Personal finance addresses the way an individual or families earn, budget, save, and spend money gained from employment, loans, or gifts. As a college student, my personal finances are based upon money I have obtained, seasonal employment and parental support. In creating my budget, I had to realize that my income was not the same each month so I had to make sure I had enough money to pay for my gas, phone bill, and entertainment. Sometimes I would go over budget due to unexpected bills so I would ask for help from my parents. I use a debit card through my bank City National Bank. I chose this bank because my parents also bank there and it’s a small personal bank. It makes it easier if I need my mom to transfer money to my account in case of an emergency. I do not use checks only my debit card and occasional cash, the debit card pulls money out of my account somewhat like a check. I do check my account online, and my statement looks similar to the on in The Money 101 Student Workbook. The format is a little different, but the same kind of information is given. I do not keep a register much to my mother’s dismay. Every Christmas, she gives me a register to keep track of my spending but I fail to use it. I do track my spending through balance inquiries that I receive via the ATM, as well as online. If I wanted to change banks, I would choose a bank that would be in Marshall and has the small town feel to it. I would also want one that might offer interest on my account. I didn’t find any new information concerning debit cards, but I do prefer a debit card to a credit card because it takes money out of your account instead of possibly spending what you don’t have. You can also abuse a credit card and use it unnecessarily. I did check on annualcreditreportto see if I had a credit report, but I do not because I don’t have any accounts in my name. The best card deal I found was on chasebecause if I put my name on my parents account then I.
credit card offer and the one from question 10 above. Which offer would you be more likely to choose? Why? (3-6 sentences. 2.0 points) A Regions Personal Credit Card is a revolving line of credit that allows you to borrow funds to pay for goods and services you purchase, to get a cash advance, or to pay balances you owe to other creditors. You may use your Personal Credit Card for: • Purchases • Balance transfers • Cash advances • Overdraft protection, up to the.
PersonalFinance Section 5 Study Questions (9.0 points) Lesson 1 (3.0 points) 1. What is credit? (0.5 points) A commitment to pay for something in the future, instead of paying for it right away. 2. What is a credit score? (0.5 points) A number that tells lenders how likely you are to make payments on time. 3. What is installment credit? (0.5 points) When you borrow a specific amount and agree to pay it in a specific number of payments of equal.
David Prester, CFO FROM: Karen sharma, financial consultant SUBJECT: Overview of financial statement of joy and analysis. Introduction Personal financial management is an important tool for an individual or any business to assess their financial situation and to make investment decision. Personal financial management tools include personal budget, cash flow statement and balance sheet. This memo discusses in detail the age, educational.
Title Exploring Strategies for Avoiding and Managing Debt Signpost A, Part 1: Learning Check When does it make sense to use a credit card? You can use credit any time as long as you plan to pay off the card at the end of the month. Don't use a credit card unless you need it to gain a benefit or because the transaction requires it. Just be careful not to over-use your credit card and you'll be fine. Really, just never use a credit card. They're dangerous. How.
Personal Budget, Balance Sheet, and Cash Flow Statement Memo To: Mr. Christopher De Maline From: Date: 02/17/2014 Re: Personal Budget, Balance Sheet, and Cash Flow Statement Dear Mr. De Maline, Saving money is extremely important however; some people do not have healthy savings thus leading them to financial instability. Therefore, being a good steward over your finances should be consistent and begin at an early age and progress as.
Assignment 5: Credit and Loans (25.0 points) 1. If you are borrowing money and paying interest, would you prefer an interest rate that compounds annually, quarterly, or daily? Why? (2-4 sentences. 1.0 points) If i was borrowing money and paying interest i would prefer that the interest rate was annually. Annually means yearly which means i would only have to pay interest that one time. It might be an expensive amount of money to come up with but at least it’s paid off and you no longer.
Assignment 5: Credit and Loans (25.0 points) 1. If you are borrowing money and paying interest, would you prefer an interest rate that compounds annually, quarterly, or daily? Why? (2-4 sentences. 1.0 points) I would want an interest rate that compounds annually. With an annual loan, it doesn’t compound that often which is less interest. 2. In your Section_5 folder, navigate to and open the Example_Credit_Report, and then answer the questions below. a. What is the total balance of Jessie.
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