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Table of Contents:
Career/Job
Bank
Credit
Housing
Transportation
Gasoline Consumption
Medical & Dental Insurance Coverage
Cell Phone / Telephone
Utilities
Food and Clothing
Entertainment / Miscellaneous
Saving & Retirement
Career
Job: Psychologist
Company: Private Studio
The career I believe that I would like to do when I finish my education would be a
personal Psychologist. Its a kind of job which helps people solving problems in their
deeper mind or make people relax towards anxious by chatting with or enlighten
them. Anxiety can lead people to poor decisions and make them misunderstanding of
themselves. Psychologist can be the job than people use some psychological methods
to help with this kind of ideological problems. Psychology is one of the most
complicated subjects in the world and I think if I want to be a good psychologist, I
need to try my hardest to get at least master degree of my education. After high
school, I do not want to attend a very perfect college to study so hard about
everything; I just want to go to the college that has a good area of the exploration of
psychology so that I can learn a lot from that school for what Im interested in. In my
first consideration, I think Im not going to a company to work for other people, my
favorite career is to be a personal psychologist so that I want to have personal studio
to help other people solve problems. My studio will be casual style and everyone who
comes in can relax themselves and have a good time chatting with me.
Resource: http://psychology.about.com/
Gross
Income.........................................................
.............
FICA
Amount...................................................................
Medicare
Tax....................................................................
Federal
Tax.......................................................................
State
Tax...........................................................................
Net
Income.........................................................
..................
$ 60000
$ 3720
$ 840
$ 6600
$ 2400
$ 46440
150
100
100
250
$ 600
Bank
After graduating from a college, I will choose the Bank of America to deposit my net
income because the Bank of America is one of the most dependable banks in
American. Some of other banks were purchased by other stronger company and no
longer exist. In the Bank of America, you can apply for whether checking account or
saving account. Their online services contain the application for a credit card and you
can also deposit by phone which makes you more convenient to get the money you
want. There are also different services for fees, for instance, if you want to apply for a
credit card in the Bank of America, the interest rates will be 12.99% - 22.99%, based
on your creditworthiness when you open your account, and the overdraft protection of
the card will be $10 for each transaction. What comes to the limits on accounts will
depend on your total annual income. The Bank of America has a very good service
attitude and they can always try their best help me solve problems. During my fouryear college study, the amount of my students loan will be a total at about $48,000, I
Amount requested: *
.00
48000
(years)
Length of Loan: *
Applicant Information
Name
First Name: *
Mary
Middle Initial:
Last Name: *
Li
(Jr, Sr, I, II)
Suffix:
Home Address
Street Number: *
30401
Street Name: *
Taylor Street
(months)
Street Type:
Court
Unit Number:
Seattle
City: *
State: *
WA
-
Zip Code: *
98102
Other Information
-
Date of Birth: *
Jul
$
Annual Salary: *
(i.e., Jan/1/1900)
1998
.00
Gross income if employed by others; net income if self employed. Two years tax returns may be required.
If retired or not employed, enter income in "Other Annual Income" box below.
Income from child support, alimony or separate maintenance need not be revealed if the applicant or co-applicant does not wish to have it conside
this credit.
.00
Monthly Housing Expense * (enter either the rent or mortgage payment for your primary residence)
$
.00
Rent:
1400
Mortgage:
Taxes and Insurance:
Homeowner's Fee:
.00
0
$
Credit
For my credit card I would like to choose the Visa Signature, Capital One No Hassle
because the APR of this king of card is lower and it has a free annual fee. The other
fees of Cash adv. is 3% and the late fees would be $29-35. If I want to transfer the
balance there will be no fees foe this transaction. Moreover, the grace period of the
Visa Signature card will be 20 days for all the consumers. You will earn double miles
on purchases; fly on any airline and, blackout dates and seat restrictions. Then, for my
choice of the store card will be target credit card which is only used for TS, I decided
to choose this card because the APR of this card will be variable and depend on the
amount of your card. Otherwise, even though the late fees of target cards would be a
little bit higher which is $35; you will have more time for the grace period. Other
information about this card is that if youre charging interests, the charge will be no
less than $7. Both of these two cards have a lot of advantages for me to choose them
and they were also kind of credit cards and store cards that Im familiar to.
LOANS
Cost
$1105.41
$600
Store
Credit
Balance)
$150
Total
Card
($500
$1855.4
1
Housing
If I decide to live in my college in the future, it might be in the location of Washington
State. My housing payments per month will be about $2,000. I would like to live in an
individual bedroom by myself and the additional amenities contain game rooms,
volleyball court outside the dorm and study lunges. The using of all these equipments
and places will involve in the payments of the room. Situation 2 is that Im going to
rent an apartment outside the campus whether myself or living with another
roommate. I would like to share an apartment with another person so that I can save
more money for my other daily expenses. The first year in college I will definitely
rent an apartment with others and share the rental with them. The monthly payment
for an appropriate apartment will be $1821.
Name: MaryLixin
Date of birth: 7/2/98
SSN:
Current address: Taylor Street 30401
City: Saint Clair Shores
State: Michigan
OwnRent (Please circle)
Monthly payment or rent:
Previous address: HaiDian International School
City:Beijing
State: Beijing
Owned Rented
Monthly payment or rent:
(Please
circle)
Employment Information
Current employer: Ms. Song
Employer address: Hai Dian International School
Phone:13720094733
E-mail: effie1118@163.com
City: Beijing
State: Beijing
Hourly Salary (Please
Position:
circle)
Emergency Contact
Phone: 13311299723
ZIP Code: 48082
How long? 1year
ZIP Code:100023
How long? 4year
State: Michigan
ZIP Code:
48082
Phone:
Relationship: Classmate
Signature of applicant: Mary Lixin
Date:3/15/15
Transportation
The car that I chose was Volvo XC60, its a SUV and the certain safety factor of this
series of cars is very high. Its a kind of car which very suit for woman to drive and
the price is very reasonable.
insurance like secure insurance, renters insurance and commercial insurance, etc.
Gasoline Consumption:
For the gasoline of my vehicle, I will use the gas station from Sinopec which is a very
big and dependable company in China. The monthly amount of my cars gasoline will
be about $400 to $600. The car Im going to buy will be a SUV so it might be cost
more gasoline than most common cars and if we are planning to drive for a long
distance the payment of the car will cost more than usual.
TRANSPORTATION
Cost
$450
$80
Insurance
$586
Licensing
$100
Fuel
$150
Maintenance
$300
Other
$100
Total
$ 1766
282 miles.
Medical
The dental insurance plans:
The monthly cost for the dental insurance is $63 or will depend on different coverage
of the insurance. The monthly payment for the medical insurance will $80-100 and
different plans contain different services and prices for the insurance you choose.
I think I will choose
the first plan for
INSURANCE
Cost
Dental
$63
Health
$110
plan
medical
for
insurance
save
more
$27.53
$70
$270.53
For the option of cell phone I will use the brand Im using now and the phone number
I will also choose from the Telecommunications Company because I can choose the
number by myself and their services are really good. The picture above shows the
plans you can choose for your phone.
Utilities
List of utilities:
$40
$60
$100
$80
$100
$50
Total: $430
Entertainment / Miscellaneous
During my daily life, entertainment activities are essential because they enrich my life
and they are the things that I am interested in. I need to do some activities to relax
myself after study or working. This kind of leisure time makes my life more colorful
and I will leave a lot of good memories from them. They help me to choose what I
want and what the most suitable thing is for me in my whole life. Im going to make a
budget for each months cost and I may put some money on buying investments so
that maybe I can make some money from the investments. After that, I will choose the
necessary activities and those unnecessary going out activities I will cancel them to
make my dollar go further.
PETS
Food
Medical
Grooming
Toys
Other
Total
Cost
ENTERTAINMENT
Video/DVD
Cost
PERSONAL CARE
$50
CDs
Hair/Nails
$100
Movies
Dry Cleaning$30
$80
Concerts
Health Club/Gym Membership
$100
Sporting events
$20
Organization Dues or Fees
$70
Live theater
Other
$0
$15
Vacation/Travel (Saving for a
Total
$350
trip)
$0
Other
$115
Other
Total
Cost
$50
$20
$20
$50
$40
$40
$150
$0
$0
$370
The current rates on the personal savings account are variable and depend on the saving
amount. The interest rate for the account will be 0.05% when the money was below $10,000
and increase to 0.15% when saving account is greater than $10,000. The more money you
save, the more interest you will get after a period of time. I decide to put 5% amount of gross
income in my saving account and 4% amount of money for my retirement. The money Im
going to put in my investment will be $10,000 and I will compare to different companies to
figure out which stock I will buy from the company. I would like to work part-time jobs
during my college study and try my best to payback the student loan as quick as I can. I will
save money every month for my future so that I can so what I want and I dont need to worry
about money before doing something.
Resources page
https://www.ambankqc.com/
http://psychology.about.com/
http://www.volvocars.com/us/services/design-and-buy/build-yourvolvo#/exterior/156/813-6USGCC-90-x-en-55117916-USD-155542460-x0155542550-0155542507-0155542546-0155542492-0155542479-01555425290155542488-0155542491-0155542512-0155542545-0156140547-1155542510
http://www.michigan.gov/healthymiplan
http://www.whistleout.com/CellPhones
https://www.chase.com/auto-loans/payment-calculator
http://www.bankrate.com/calculators/college-planning/loancalculator.aspx
http://www.careers.org/index.html
http://www.collegeboard.com/student/csearch/majors_careers/index.
html
http://stats.bls.gov/oco/home.htm
http://www.bls.gov/oco/cg/home.htm