Sunday, March 22, 2015
In math class I am doing this project about my financial aid of paying back my loans after graduation. I have a 10-year period to pay back my loans with the interest of 4.66% .My payment begin six months after I graduate. But when I was looking up the information about paying back the loans I found that I can pay my loans before the 10-year period , not only that it would be faster and better ,but it would save me money. In this project we had to find what my loans are and how much would I pay back with the interest after ten years ,and how much will I pay if I pay sooner then the ten years. I also had to make a monthly budget and see if I would be able to pay sooner or if I would have to stick with the ten-year plan. When doing my budget I found that I would have extra money left ,so I can pay extra when paying back my loans.For explain , let say I was going to be paying $200 a month for my loans with the extra money I have left I can pay $300 instead.Another thing I have to keep in mind is always paying on time , not paying on time or missing a payment can get me in default and that is something I will avoid. I now have better understanding and more of idea how the student loans work. This project was benefit for me and now I can start my plan on how I will be paying back my load. I have gotten a lot of information and i will be putting into use. My goals are have a plan,to pay my loans before the 10-years period ,have a budget, and always have a emergence fund.
Ever wonder how much information there is about you on the internet. In class we did a experiment to see how much information there is about us on the internet.To a surprise most of the class was able to find information about them self . For explain, like where they live or lived before ,there phone number, some information about their family, even some pictures of them or their love ones. My classmate really did not like the fact that with a click of a mouse you can find information about them online. Lucky for me I could not find anything about me .Not any picture , my number , not even where I live. It was like I did not even exist, which made me feel pretty good because i would not want any one looking me up and finding out things about me.
I think the reason I could not find anything about myself was because I never really put my information on line. I never felt comfortable putting my address ,phone number or anything that got to do with my information up . The only thing I would use the most is my email address. I do not even go shopping on line or order anything on line. I rather have it that way because it makes me feel better.I even pay all my bills in person rather then paying on line.
I think if you do not like your information on line , you should be careful where you are putting up your information. You should think twice before adding you phone number or address on line like Facebook and other website. Just know when you are putting information on the internet your giving anyone access to look up anything you put out there.You can also put on your privacy that can help too.
I think the reason I could not find anything about myself was because I never really put my information on line. I never felt comfortable putting my address ,phone number or anything that got to do with my information up . The only thing I would use the most is my email address. I do not even go shopping on line or order anything on line. I rather have it that way because it makes me feel better.I even pay all my bills in person rather then paying on line.
I think if you do not like your information on line , you should be careful where you are putting up your information. You should think twice before adding you phone number or address on line like Facebook and other website. Just know when you are putting information on the internet your giving anyone access to look up anything you put out there.You can also put on your privacy that can help too.
Thursday, March 5, 2015
I want to be a medical assistant , but I'm not to sure yet if I want to go for an obgyn or pediatrics assistant. I love kids to death and always love being around them.That's why I want to be in the pediatrics , but I also love being around pregnant women. I find how the body develops when a women is pregnant is really interesting.Now the reason why I cant decide is because both have a one reason that makes it hard for me to decide. The reason for the pediatrics is because I know in time as part of my job I would have to give the kids their SHOTS! I hate and scared of shots myself and I don't think I can do that to a child..I'll feel like I would be hurting them even though they really need their shots. The reason why i don't know about the obgyn is because women can get really grumpy and flip so fast on you. I wouldn't know what to do if a women starts yelling at me or cursing me out for no reason. But over the time I know that I will learn about what to do in them situation and how to handle it. In the future i know which one i will go for and which one i will be able to handle.
Wednesday, March 4, 2015
Computer classes is harder then I thought. I used to love typing on the key board till I had to take computer class. I never thought the way you type or how long it takes you to type really matter, but I guess you have to type at least 40 wph and learn to type with out looking at the bored. I get so frustrated in my class because not only do I have a problem that I keep looking at my key board , but it hurts my hand and wrist. But as my teacher says its because I'm getting use to it and after a while Ill wont be able to type with out looking. Learning about computer is not really my thing. Its kind of hard trying to focus on something that is not an interest to me. This class always make you learn how to work a computer and it is not easy. Well for me it ain't , it is like learning a new language. Then find the things on a computer will take me hours because I have no idea about computers. I really don't know how will this benefit me , but if its one of my classes it must going to benefit me in the future. I just finish all my post-test so that,s great , but now i have to do this paper and have no idea what to do.But it's okay because once I know what and how I have to do it I will be on the roll.
Tuesday, March 3, 2015
In math class today I had to find out what would be my monthly salary after graduates. I have to write a paper about how would I be able to budget my expenses , and pay for my loan at the same time. How can I be able to avoid debt? What things will I have to cut that is not important? What will be the different if i pay off my loan off earlier or pay it in the 10 year time period. This assignment is basically showing us how real life would be. I like this assignment because it kind of gives me a head start for when I graduates and get a job in medical assistance. This will show me how to spend money wisely , and also if I would want to pay my loan faster. To start my paper off I had to fine out how much a medical assistance gross was. Then , I had to take out 20% of tax off the gross. When I found out what it was I divided that into 12,because I have to fine out how much I'm going to be make in a month . After, is when I find out what I would be making monthly. After finding out what was my monthly salary I had to make a budget list. What bills I will pay , how much I would put down for my loan ,and ect, That's how far I got into my assignment , and with doing the 3/10 step I cant wait to finish! I thought I was going to hate this assignment ,but it was the other way around. I know I'm going to learn from this and it is going to benefit in the long run!
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