{"content":{"sharePage":{"page":0,"digests":[{"id":"47689090","dateCreated":"1323201975","smartDate":"Dec 6, 2011","userCreated":{"username":"dhsschenck","url":"https:\/\/www.wikispaces.com\/user\/view\/dhsschenck","imageUrl":"https:\/\/www.wikispaces.com\/user\/pic\/1317653614\/dhsschenck-lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/dhsschenck.wikispaces.com\/share\/view\/47689090"},"dateDigested":1532253792,"startDate":null,"sharedType":"discussion","title":"Investments","description":"Short-Term:
\nI would like to have extra money for a couple month's rent on off-campus housing for my sophomore year in college. This will be in 2 years. A fair amount of money in profit will be $300. Since I do not have extra money to wager on risky investments for the short term, I will invest in the very safe government bonds. I predict an interest rate of around 4% and a principle $2000 with an annual addition of $300. Coupled with the $3100 investment return, this will return a profit of $300 by sophomore year.
\n
\nIntermediate-Term:
\nI would like to put a security deposit on an apartment after I get my bachelors degree. I predict that this will be around 2000 dollars for an ideal apartment that I can invest now. I will invest 2100 dollars in a Bank of America CD at an interest rate of 5% for 4 years. Since this is a CD, I cannot add to it once I have invested, which means there will be no annual additions. This will give me a total of $2552 by graduation.
\n
\nLong-Term:
\nI would like to have money to completely pay off (no financing) a brand new motorcycle for my 40th birthday, which is in 22 years. I choose to invest in an ETF, which would be moderately risky, yet could allow for a large enough payoff. Due to the fact that the timeline for the holding of this ETF is so large, it will not be subjected to minor fluctuations in the fund, yet the (predicted) overall climb of the fund. If the ETF grows by 12% each year, and I start with $1000 dollars worth of shares of the stock while purchasing $150 dollars worth of more stocks each subsequent year, I would end with $27,640 for a new motorcycle.","replyPages":[{"page":0,"digests":[{"id":"48041126","body":"Good but separate principal from interest earned. Grade 58\/60","dateCreated":"1323713825","smartDate":"Dec 12, 2011","userCreated":{"username":"pbrooks92","url":"https:\/\/www.wikispaces.com\/user\/view\/pbrooks92","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":0}]},{"id":"45588258","dateCreated":"1320360352","smartDate":"Nov 3, 2011","userCreated":{"username":"dhsschenck","url":"https:\/\/www.wikispaces.com\/user\/view\/dhsschenck","imageUrl":"https:\/\/www.wikispaces.com\/user\/pic\/1317653614\/dhsschenck-lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/dhsschenck.wikispaces.com\/share\/view\/45588258"},"dateDigested":1532253792,"startDate":null,"sharedType":"discussion","title":"CASH LOG 10\/29 - 11\/4","description":"Saturday:
\n-$9 for lunch at BSF
\n
\nSunday:
\n+$32 for working
\n
\nMonday:
\n-$7 for tennis racquet grip
\n+$8 for friend repaying loan
\n
\nTuesday:
\n+$1 for completing survey
\n+$20 for selling book to a friend
\n
\nWednesday:
\n-$20 for gas
\n-$5 for soccer ticket
\n-$3 for soda
\n
\nThursday:
\n-$6 for donut and coffee
\n
\nFriday:
\n-$5 for pizza in economics class
\n+$32 for working
\n
\nCASH IN:
\n$92
\n
\nCASH OUT:
\n$55
\n
\nNET:
\n+$37","replyPages":[{"page":0,"digests":[],"more":0}]},{"id":"45207874","dateCreated":"1319825645","smartDate":"Oct 28, 2011","userCreated":{"username":"dhsschenck","url":"https:\/\/www.wikispaces.com\/user\/view\/dhsschenck","imageUrl":"https:\/\/www.wikispaces.com\/user\/pic\/1317653614\/dhsschenck-lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/dhsschenck.wikispaces.com\/share\/view\/45207874"},"dateDigested":1532253792,"startDate":null,"sharedType":"discussion","title":"CASH LOG 10\/22-10\/28","description":"Saturday:
\n-$7 on hamburger at Mama's Deli
\n-$2 on Monster Energy Drink
\n-$5 on candy at Chunky Pam's Candy Shoppe
\n-$12 on Dominoes Pizza
\n
\nSunday:
\n+$32 for working
\n
\nMonday:
\n-$9 on gasoline
\n
\nTuesday:
\n-$63 for Battlefield 3 video game
\n
\nWednesday:
\n
\nThursday;
\n
\nFriday:
\n-$20 college application fee
\n+$32 for working
\n
\nCASH IN:
\n$64
\n
\nCASH OUT:
\n$118
\n
\nNET:
\n-$54","replyPages":[{"page":0,"digests":[{"id":"45436416","body":"Grade 8\/10","dateCreated":"1320197252","smartDate":"Nov 1, 2011","userCreated":{"username":"pbrooks92","url":"https:\/\/www.wikispaces.com\/user\/view\/pbrooks92","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":0}]},{"id":"44879846","dateCreated":"1319478105","smartDate":"Oct 24, 2011","userCreated":{"username":"dhsschenck","url":"https:\/\/www.wikispaces.com\/user\/view\/dhsschenck","imageUrl":"https:\/\/www.wikispaces.com\/user\/pic\/1317653614\/dhsschenck-lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/dhsschenck.wikispaces.com\/share\/view\/44879846"},"dateDigested":1532253793,"startDate":null,"sharedType":"discussion","title":"CASH LOG 10\/15-10\/21","description":"Saturday:
\n-$10 on lunch at BSF
\n-$11 on dinner at Post Corner Pizza
\n
\nSunday:
\n+$32 for working 4 hours
\n
\nMonday:
\n-$1 on candy bar
\n
\nTuesday:
\n-$5 on batteries
\n-$1 on Peanut M&M's
\n
\nWednesday:
\n
\nThursday:
\n
\nFriday:
\n-$11 on breakfast at Jake's Place
\n+$32 for working 4 hours
\n
\nCASH OUT:
\n-$38
\n
\nCASH IN:
\n+$64
\n
\nNET:
\n+$26","replyPages":[{"page":0,"digests":[{"id":"45436376","body":"Grade 8\/10","dateCreated":"1320197216","smartDate":"Nov 1, 2011","userCreated":{"username":"pbrooks92","url":"https:\/\/www.wikispaces.com\/user\/view\/pbrooks92","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":0}]},{"id":"44114493","dateCreated":"1318443540","smartDate":"Oct 12, 2011","userCreated":{"username":"dhsschenck","url":"https:\/\/www.wikispaces.com\/user\/view\/dhsschenck","imageUrl":"https:\/\/www.wikispaces.com\/user\/pic\/1317653614\/dhsschenck-lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/dhsschenck.wikispaces.com\/share\/view\/44114493"},"dateDigested":1532253793,"startDate":null,"sharedType":"discussion","title":"CASH LOG","description":"October 8th to October 14th:
\nCash in:
\nWorked 8 hours -- $64
\n
\nCash out:
\nFilled father's car with gas -- $25
\nAte at Buffalo Wild Wings -- $11
\n
\nNET: +$28","replyPages":[{"page":0,"digests":[{"id":"44414712","body":"Need to show log by day.
\nTotal Cash In\/Out for each week.
\nMake sure you have enough cash flow to do this type of log.
\nGrade 6\/10","dateCreated":"1318875531","smartDate":"Oct 17, 2011","userCreated":{"username":"pbrooks92","url":"https:\/\/www.wikispaces.com\/user\/view\/pbrooks92","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":0}]},{"id":"44113889","dateCreated":"1318443147","smartDate":"Oct 12, 2011","userCreated":{"username":"dhsschenck","url":"https:\/\/www.wikispaces.com\/user\/view\/dhsschenck","imageUrl":"https:\/\/www.wikispaces.com\/user\/pic\/1317653614\/dhsschenck-lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/dhsschenck.wikispaces.com\/share\/view\/44113889"},"dateDigested":1532253793,"startDate":null,"sharedType":"discussion","title":"My SMART Decision","description":"S:
\nSpecific: My goal is to pay for prom
\n
\nM:
\nMeasurable: This will cost 500 dollars for the tickets, suit, corsage, limo, and food.
\n
\nA:
\nAttainable: Portion of some of the costs will be split between the other members of the party.
\n
\nR:
\nRealistic: A $20 dollar bill from every week's pay (out of $64) will be devoted to prom. This will allow me more than enough money to still have enough for weekly activities, while still saving a sufficient money.
\n
\nT:
\nTime-bound: Must have money in time for prom, which is in May. This is 7 months from now.
\n
\n7 months * 4 weeks per month = 28 weeks
\n28 weeks * $20 = $560
\nThis will more than cover any expected costs and will allow for extra unexpected costs.","replyPages":[{"page":0,"digests":[],"more":0}]}],"more":false},"comments":[]},"http":{"code":200,"status":"OK"},"redirectUrl":null,"javascript":null,"notices":{"warning":[],"error":[],"info":[],"success":[]}}