Identify two new pieces of financial information that you learned about this week that will help you make informed financial decisions about your future and eventual retirement.Personal financial management and financial planning can be daunting. It helps to learn more about the tools people can use to plan their savings and budget for the future. One of the things I learned this week that will help me make informed financial decisions is how to be a responsible borrower. For one, I never considered credit cards as being a form of lending. Essentially, people who forget that credit cards entail borrowing money from a bank can get into a lot of trouble with debt accumulation. Next, taking out loans can be tricky. Student loans tend to have reasonable interest rates, but any amount of interest is still going to add up over time. The less the loan principal, the less the amount of total interest owed and the less I will have to pay over time.
Another thing I learned this week is the difference between simple and compound interest. Sometimes we have no control over the type of loan we receive, but it helps to be armed with this understanding in those situations where there is a choice between different loan types. I also did not know there were different types of student loans, like Federal Perkins Loan or Direct Subsidized Loans. Finally, I learned about deferred interest student loans. We also learned about strategies for paying off loans. Rather than waiting until our dream job arrives, it is important to pay off the loan little by little over time.
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1997: School Technology and Readiness Report: From Pillars to Progress The CEO Forum on Education and Technology 9. 1999: School Technology and Readiness Report. Professional Development: A Link to Better Learning The CEO Forum on Education and Technology 10. 2000: The National Technology Education Plan, e-Learning: Putting a World Class Education at the Fingertips of All Children U.S. Department of Education a. 2000: The Power of the Internet for Learning Web-based Education
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