Saving up for purchases | Economics homework help

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5.4 Saving Up for Purchases

Personal Finance Portfolio: Part 4

Note: This is one part of a Personal Finance Portfolio in the course that we will be working on throughout the semester. The completed portfolio will count 10% of your final grade. 

Activity Goal   

This Personal Finance Activity will help you see how long it might take on minimum wage to save up for a large purchase. Understanding how to save and live on a budget will help you plan for large purchases in your future.

Directions

Read the following paragraph about the hypothetical budget you could be living on if you were making minimum wage. Calculate the totals for your monthly budget (what would you fill in the third column below) and then answer the five questions that follow.

You are living on your own, sharing rent with a roommate, trying to save up for college, and working for minimum wage ($7.25) at a fast food restaurant. You work 40 hours per week and take a bus to and from work five days a week. Along with saving for tuition, you are also trying to save enough to have 4 months’ rent in your account, a new car so you don’t have to take the bus and a vacation to Cancún with some of your friends. The amounts for Rent and Utilities in the first two rows are your half of the total for rent and utilities; your roommate pays the other half of both expenses.

Monthly BudgetItemCostMonthly TotalRent$260Utilities (cable, Internet, water, and electricityCable & Internet: $30, water: $20, electricity: $40Groceries$50 per weekEntertainment$20 per weekPublic transportation$1.50 per bus rideClothing$50Cell phone$45

Questions

  1. Approximately how much is your gross salary per month? Because you would be in the lowest tax bracket, you would be taxed at approximately 15 percent. How much would you actually take home every two-week pay period? How much would you take home each month?
  2. How much are your total monthly expenses? What other costs may you incur that are not included in your monthly budget? How much disposable income do you have each month?
  3. How long would it take you to save 4 months’ rent?

   

  1. You found an old, used car that you want to buy so you can stop taking the bus. It costs $2,000. How long would it take you to save up for the car?
  2. Flights to Cancún are $380 round trip. The hotel where your friends are staying will cost $75 a night and you will be staying 3 nights. What would the total cost of your trip be? Be realistic in including additional expenses (e.g. food and entertainment.) How long would it take to save up for the vacation?
  3. Given the above scenarios, which major expense would you save for first? Explain your answer, providing at least three reasons. 

Rubric

The rubric below will be used to grade your project.

short discussion 3 spyapps

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I need 100-150 words on the apps provided

Briefly describe their functionality in a paragraph

No formatting

App>>> Ispyoo

 

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qualitative traditions and designs 1

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Within the Discussion Board area, write 200–300 words that respond to the following questions with your thoughts, ideas, and comments. This will be the foundation for future discussions with your classmates. Be substantive and clear, and use examples to reinforce your ideas.

Qualitative Designs

This discussion has 2 components. Be sure to address each component fully.

  • Differentiate among the following qualitative designs for your discussion. Make sure you include citations from/or referring to authors who are specialists in these methods. Your general methods texts are not sufficient to master these methods:
    • Phenomenology (e.g. Georgi, Moustakas, etc.)
    • Grounded theory (Glaser, Strauss, etc.)
    • Ethnography (White, Benedict, Mead, etc.)

Include clear definitions of each in your responses.

  • Case studies are often included in the discussions of qualitative design options.
    • Why do you think this is so?
    • Define case study research (Robert Yin, etc.).
    • Explain why most case study research involves the collection of qualitative data.

Cite sources as appropriate.

 

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Discussion response- operating system 2

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 Please respond to the below text in at least 100 or more words.

The operating systems were designed to run on desktop and  laptop computers. Mobile devices such as phones, tablet computers, and  MP3 players are different from desktop and laptop computers, so they run  operating systems that are designed specifically for mobile devices. An  operating system is the most important software that runs on a  computer. It manages the computer’s memory and processes, as well as all  of its software and hardware. It also allows you to communicate with  the computer without knowing how to speak the computer’s language.  Without an operating system, a computer  is useless. The operating system (OS) allows users to perform the basic  functions of a computer. The OS manages all software and peripheral  hardware and accesses the central processing unit (CPU) for memory or  storage purposes. It also makes it possible for a system to  simultaneously run applications. All PCs, laptops, tablets, smartphones,  and servers require an OS. Developers may use specific operating  systems that are more conducive to programming and application  development, while the average employee will likely use a proprietary  system for more common, everyday usage. The most common operating  systems are Microsoft’s Windows, Apple’s OS X, Linux distributions, and  mobile operating systems for smartphones. A PC can be a Linux, Windows,  Mac, Chrome variant, or other OS installed on it. A PC is a personal  computer. A smartphone can also have different OSs on them and with  different levels of security, the same goes for tablets. These are all  hardware devices that you are asking a question about, the security will  be mostly software related with some extra hardware sometimes. That is  like asking a question what tires will last better, a hand wagon, a car,  or a semi-truck. All can be secure and all can also be a leaking  component for your information and privacy leaving you vulnerable to  attack.