Making Ends Meet BY: SAM ZAISER 2015

GPA (grade point average) = 3.42  Career Option Schedule:  3.42 Gradate  1. Engineer  2. Pilot  3. Meteorologist  4. Air Traffic Controller

Job/Career for Reality Store  Job Title: Engineer  Gross Yearly Salary: $69,000  Job Duties: Design systems or devices and build and test models. Decide which systems or devices will make products work as needed.  Education/Training: High School Diploma and Masters Degree  Demand: Moderate

MIT Profile Pie Chart Results The results of my MIT results were bodily being 30% and logical, verbal, and visual all being 20%. I agree with the results by bodily being the top percentage because bodily is learn by doing, and I like to touch and feel things when I’m learning new things rather than sitting and watching. A couple of careers that relate to bodily is athlete, carpenter, and firefighter. A career that sounds promising is a firefighter, because I like moving around and helping people.

MIT Profile Line Graph Results Both free and forced choices are parallel. My toughest learning style is intrapersonal and I could improve it by me studying alone and doing things by myself. I could also do journals and be independent. Lastly, I could be self-aware and work alone.

Budget My definition: In think a budget is a plan or way to spend money and save money. and-start-your-budget-now/ Budget is an estimate of income and expenditure for a set period of time. A plan listing your income along with all the expenses or costs you have. When I grow up I will need a budget, so I can buy a house and a car

Gross Income Gross income means the total amount of money you make, including all income, taxes, SS, and benefits When I’m older I will need to figure out my gross income. I think gross income means to figure out the money you earn /INF19180.html

Net Income Net income is the total amount of money you make after the SS Taxes, and other…What you actually bring home. I think net income means the money that you get in your Paycheck. I will get my net income when I am older tbn3.gstatic.com/images?q=t bn:ANd9GcShhPWcApqGLrS CfGMapNmDIHIxl6eexW4I6wH gHp9-TCdEgaXR

Disposable Income Disposable income means income remaining after deducting mandatory rent, bills and charges, available to be spent of saved as one wishes. I think disposable income means the money you can spend on what you want I will spend my disposable income on a T.V. diamonds/more-disposable-income- working-from-home/

Taxes Money taken out of your check for services that support govt. programs( fire, police, streets, teachers, welfare, Food stamps, …) prescription-drugs-food/

Social Security Retirement money anagingyourmoney/archives/2014/05/one_thing_ev ery.html

Medicare Medical benefit for when you retire, you still pay for it, just less than usual vernment/medicare-explained/

IRA(Individual Retirement Account) A financial products sold by financial institutions that is desighned to accept and grow funds from an individual and then, upon maturing, pay out a stream of payments to the individual at a later point in time. Annuities are primarily used as a means of securing a steady cash flow for an individual during their retirement years. e.com/ira-traditional-individual- retirement-account-a-complete- guide/

Finding Net monthly

Budget Planning Table Expenses CategoryRecommended %Amount Housing35%$ Car (Transportation)10%$ Electric5%$ Gas Heat5%$ Water2%$81.65 Insurance8%$ Medical/Health10%$ TV/Internet/Cable2%$81.65 Groceries (Food)3%$ Savings (Hopeful)10%$ Variable Expenses10%$408.25

Mortgage My definition: Money lent in advance for a large purchase, with the understanding that you will pay back the principal with interest Internet definition: A loan of purchase for real property, secured by a lien on the real property My sentence: I will use mortgage to help pay the house I want to buy when I am older

House Bills Fixed Expense-bills that don’t change monthly like your cell phone or Internet, mortgage or car loan. Variable Expense- bills that vary every month, like electricity in summer versus winter, or clothes budget Utilities- public services like water, electric, and gas.

My House  Total Price: $259,900  Monthly Payment : $1,  4 bedrooms, 2 full, 2 partial bathrooms, 3450 sq. ft.  Big backyard, open spaced, fireplace, 3 car garage, and a large brown deck.  Stonebriar Cv, Fort Wayne, IN

Mortgage Check Wells Fargo Bank March 19, /100 House Mortgage Acct:# One-thousand and Four-Hundred dollars /

Vocabulary: Car Loan : amount of money someone (bank or credit union) gives you up front to pay for a large purchase, with the understanding that you will pay it back over time each month, with interest (That extra money they charge you for using their money) Lease : Renting instead of buying. You are “back loaded” on the monthly payment…meaning you pay less per month, but at the end, you make that up when buying it, or you have to give them back the car. Usually has stipulations, like paying for full coverage on car insurance and mileage allowance.

My Car  Total Price: $26,995  Monthly Payment: $  6 year loan  2 door  30 MPG  Has a GPS  Nice looking car I used money left over from the house payment to help buy this car.

Lifestyle My goal for a lifestyle is to have a nice house, wife, and to get things for my children. I also want to have the normal appliances and TVs. Also I would want Netflix and Hulu Plus. Then I would like to go on vacations with my family. I would pay these things with a well paying job. Also my wife would have a job and save some money for my children's things.

Personal Financial Links 1.)The difficult decisions were should I Pay the bills or not. The hardest decision was to pay the car registration or not because it could cost a lot more money if you were to get pulled over than just to pay it. 2.) It cost $8.75 to live in Greenwood, IN and $9.63 in St.Pete beach Florida. I would like to live in Florida because I like the sun and its always hot and is not that much more money. 3.) My results were $22.29 per hour. This means I like to buy nice things for my lifestyle. 4.) I would choose B because if you buy a more expensive item then you save more. 5.) I ended up with a barber surgeon. My score was 85%