{"content":{"sharePage":{"page":0,"digests":[{"id":"60001066","dateCreated":"1345171698","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001066"},"dateDigested":1532428208,"startDate":null,"sharedType":"discussion","title":"DQ 9","description":"What do you know about debit cards? Where are they issued? Do you have to be 18 to get one? Where is the money withdrawn from? Do you or your parents have one? How are debit cards different from credit cards?","replyPages":[{"page":0,"digests":[{"id":"55864551","body":"A debit card is similar to a credit card but it directly takes money out of your account instead of billing you like a credit card. I do not know where they are issued or how old you have to be to get one but I do know both my parents have one.","dateCreated":"1345486821","smartDate":"Aug 20, 2012","userCreated":{"username":"jacobdobbs","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobdobbs","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864575","body":"That its a card you swipe at stores or other places and you're money comes out of the bank. They are issued at places that I'm not aware of. No you can be any age I think. The money comes from you're account and my mom and I both have one. The name is different and the money on the cards.","dateCreated":"1345486896","smartDate":"Aug 20, 2012","userCreated":{"username":"dominicsalvino","url":"https:\/\/www.wikispaces.com\/user\/view\/dominicsalvino","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864579","body":"Debit cards are issued by the bank and are connected to your checking account. You do not have to be 18 to get one, you can be any age younger with parental consent. They differ from credit cards because you don't have the "unlimited" amount of money a credit card has. It only takes from what's in your checking account.","dateCreated":"1345486953","smartDate":"Aug 20, 2012","userCreated":{"username":"emmamurrugarra","url":"https:\/\/www.wikispaces.com\/user\/view\/emmamurrugarra","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864591","body":"I know debit cards are issued through the bank and connected to your checking account. You don't have to be 18 to get one. Money is withdrawn from your checking account. Everyone in my family now has a debit card. I have no clue how they are different.","dateCreated":"1345487023","smartDate":"Aug 20, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864633","body":"Debit cards are connected to your checking account and the money is taking right from your account to pay for things. I don't know how old you have to be to get one. My parent does have a debit card i don't. Debit card takes directly from your checking account while credit cards do not.","dateCreated":"1345487141","smartDate":"Aug 20, 2012","userCreated":{"username":"jacobwylie","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobwylie","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864643","body":"Debit cards are just like credit cards and look the same to, the only difference is that debit cards withdraw directly from you checking account and there is no interest you have to pay like with a credit card. You do not have to be 18 to get one, but someone over the age of 18 has to be singed on the account with you.","dateCreated":"1345487237","smartDate":"Aug 20, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864645","body":"Debit cards are just like credit cards and look the same to, the only difference is that debit cards withdraw directly from you checking account and there is no interest you have to pay like with a credit card. You do not have to be 18 to get one, but someone over the age of 18 has to be singed on the account with you.","dateCreated":"1345487238","smartDate":"Aug 20, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864675","body":"debit cards withdraw money directly from your checking account. you don't have to be 18 or older to get one. that is all i know about debit cards.","dateCreated":"1345487393","smartDate":"Aug 20, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864677","body":"Debit cards are connected to your bank account. While credit cards borrow money, debit cards take the money straight from your account. My parents both have one, I do not, however.","dateCreated":"1345487414","smartDate":"Aug 20, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864681","body":"Debit cards are cards to use instead of cash and they are funded by your checking account. No you don't have to be 18 to have one. My parents and I both have debit cards. Debit cards are your own money that you have earned unlike credit cards which is borrowed money","dateCreated":"1345487448","smartDate":"Aug 20, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864687","body":"Debit cards are almost like credit cards. But the debit card is connected to your checking account.
\nMy parents do have debit cards. Do't have to be over 18 to get a debit card.","dateCreated":"1345487462","smartDate":"Aug 20, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864699","body":"Debit cards are cards issued by a bank that withdraw money directly from your checking account. You do not have to be 18 to get one. My whole family uses them. They differ one credit cards in that they operate with money you actually have, and not money you'll one day pay back.","dateCreated":"1345487537","smartDate":"Aug 20, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":9}]},{"id":"60001062","dateCreated":"1345171671","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001062"},"dateDigested":1532428208,"startDate":null,"sharedType":"discussion","title":"DQ 8","description":"Why is it important to save money? How can you save money? What are your best options to put the money you want to save? What are some things that people save their money for? Do you have a saving account? If yes, when did you start saving? If no, why not? Do you plan on starting one?","replyPages":[{"page":0,"digests":[{"id":"55864473","body":"Its important to save money because you never know when something is going to come up and you'll need it. The best way to save money is to create a secret vault underneath your house. JK, open a savings account. I don't have a savings account because I don't handle very much money, and when I do have money, its because I need it for something.","dateCreated":"1345486529","smartDate":"Aug 20, 2012","userCreated":{"username":"Jeffrey-johnson","url":"https:\/\/www.wikispaces.com\/user\/view\/Jeffrey-johnson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864509","body":"Saving money is important. You can save money by not spending it. the best way to save money is to put it in a bank. A bank will pay you interest for saving your money in their bank. I have a saving account but I do not know how young I was when I started one.","dateCreated":"1345486681","smartDate":"Aug 20, 2012","userCreated":{"username":"jacobdobbs","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobdobbs","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864513","body":"So you can have money when you want something. The way I save money is just putting it in the bank so I don't have money to spend. Put it in a savings account. Cars, Houses, Babies, and Computers. I am not sure if I do. If i don't have one I'll probably get one.","dateCreated":"1345486695","smartDate":"Aug 20, 2012","userCreated":{"username":"dominicsalvino","url":"https:\/\/www.wikispaces.com\/user\/view\/dominicsalvino","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864519","body":"It is important to save so it isn't difficult to pay for your essential needs, and it'll be easier to buy nice things for yourself and anyone you're supporting if you have more money. I save money just because I never feel the urge to buy things I don't need. I have my money organized by what percent I would like to save (which divides into different budgets) and my weekly "on hand". Whatever isn't spent get's carried over so I save more. I've had a savings account since I was old enough to have a piggy bank.","dateCreated":"1345486735","smartDate":"Aug 20, 2012","userCreated":{"username":"emmamurrugarra","url":"https:\/\/www.wikispaces.com\/user\/view\/emmamurrugarra","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864561","body":"It is important to save money so you have money for important things like taxes and whatnot. You can save money just by simply placing it in a piggy bank or open a saving account. The best option would probably be opening a savings account. People save their money to buy cars or pay for college or something they really want. I used to have a savings account but then when I got a checking account my dad just closed my savings account and transferred the money because he said having two was too complicating. I don't plan on starting one.","dateCreated":"1345486845","smartDate":"Aug 20, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864585","body":"It is important to save money in case a emergency comes up, or they have something planned. You can put a certain amount of money in your account every time you get paid or just keep money every chance you get. People save money for vacations, cars, houses, etc. I don't have a savings account.","dateCreated":"1345486971","smartDate":"Aug 20, 2012","userCreated":{"username":"jacobwylie","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobwylie","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864615","body":"It is important to save because you never know what could happen in life, you could lose your job and need to still feed a family, the savings can help with that until you find a new job. I do have a savings account I have had it since I was about years old. You can save your money in a savings account at a bank, which over time accumulates interest which is money the bank gives you for having an account with them.","dateCreated":"1345487070","smartDate":"Aug 20, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864647","body":"its really important to save money in case of some emergency happens and you don't have any money. only spend a certain amount of money each week, so you won't over spend.","dateCreated":"1345487243","smartDate":"Aug 20, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864657","body":"It's important to save money so that you can live comfortably without worrying about whether or not you'll be able to make your next payment or something. Saving money also teaches you discipline.
\n
\nPeople save their money for things like cars, houses, new appliances or furniture, etc. People also save money right before they go on a vacation, or before the holidays.
\n
\nI do have a saving account. I started it two years ago.","dateCreated":"1345487299","smartDate":"Aug 20, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864661","body":"Its important to save money because it teaches you to budget things. People save money from all kinds of thing. Like a house, car, phone, clothes, and etc. I do not have a savings account because I haven't had a job yet to save money and I just never got one","dateCreated":"1345487312","smartDate":"Aug 20, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864663","body":"It is important ti save money because you never know what might come up. You can save money by not buying stuff that you don't need. Don't go out to eat a lot. To put in the money in saving account and don't get money out of that. I do have a saving account. I started saving after my when I was 13.","dateCreated":"1345487331","smartDate":"Aug 20, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864671","body":"It's important to save money so that you will have money when you need it. Essentially, your savings are a fallback. If you lose a job, or have a large, unexpected expense, some saved money comes in handy. A savings account with a bank is usually where people will save money. I've had a savings account for a few years.","dateCreated":"1345487379","smartDate":"Aug 20, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":8}]},{"id":"60001058","dateCreated":"1345171642","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001058"},"dateDigested":1532428210,"startDate":null,"sharedType":"discussion","title":"DQ 6","description":"Why would you need to take a loan from a bank? What types of loans do people borrow from the bank? What do you know about loans? What role does interest play when taking out a loan? How does it affect your financial future? Why is it important to know about loans?","replyPages":[{"page":0,"digests":[{"id":"55833664","body":"Someone might need a loan from a bank if they are making a big purchase and they don't have the money to buy it themselves. i don't know the types of different loans, but when you take out a loan you need to pay it back as quickly as possible. interest is added on to your payment over time that you need to pay on top of the original money you borrowed so that the bank you borrowed from makes money off of their loans. It is important to know about loans for the future so that you can stay out of as little debt as possible.","dateCreated":"1345229470","smartDate":"Aug 17, 2012","userCreated":{"username":"jacobdobbs","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobdobbs","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833678","body":"People take loans out of the bank to pay for something that they don't have the money for at the moment. It can affect your future because you will eventually have to pay off that loan. That's all I know.","dateCreated":"1345229500","smartDate":"Aug 17, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833688","body":"if u don't have enoff money to pay the bills and big stuff u buy. im not sure. u have to pay it back to the bank.","dateCreated":"1345229530","smartDate":"Aug 17, 2012","userCreated":{"username":"codypierce123","url":"https:\/\/www.wikispaces.com\/user\/view\/codypierce123","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833694","body":"You would take a loan from the bank if you want to buy a house or a new car. I am not sure what types of loans people borrow because my parents hasn't done that. I know its money you get then pay off later. Interest plays a major factor in loans. The more you want, the more you have to pay back. It depends if you have the money to pay back or not. It is important to know about loans because if I was to ever get a new car in the future, I can go to my bank and since I already know about loans I would know what I'd have to do.","dateCreated":"1345229537","smartDate":"Aug 17, 2012","userCreated":{"username":"briannasawyer","url":"https:\/\/www.wikispaces.com\/user\/view\/briannasawyer","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833744","body":"Loans are taken to help pay large sums of money that you do not have on hand. They must be payed back over time. They are often used to head start businesses or schooling. Interest is basically the bank's fee so that not only do you have to pay the money you borrowed, but also the interest rate (a percentage of what was borrowed). Its usually best to pay it off as soon as possible so the interest doesn't add too much to the overall cost. My most immediate concern is taking a loan out so I can go through college. But I hope to rely off my own money throughout my life, including considering home purchase.","dateCreated":"1345229693","smartDate":"Aug 17, 2012","userCreated":{"username":"emmamurrugarra","url":"https:\/\/www.wikispaces.com\/user\/view\/emmamurrugarra","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864475","body":"A loan is needed so you can purchase a car or a house, unless you happen to be rich and can pay with cash. Loans have interest which is the money that you pay to the bank for letting you borrow their money. Paying your loan off on time thou being late affects your credit, the better the credit the more money banks will allow you to borrow and typically you can pay it back with less interest.","dateCreated":"1345486530","smartDate":"Aug 20, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864479","body":"One can take a loan from a bank for many reasons, all of them involving needing more money than they have. Commonly, a loan would be taken out to start a new business, buy a house, or it could be a student loan. I know loans have to be paid back, which is where interest comes in. Interest just basically means you'll pay back more than you borrowed, so that the bank can make money. A loan can help a person quite a bit, but it can also hurt them if they can not pay it off in a timely manner. It's important to know about them because at one point you might need to get one.","dateCreated":"1345486533","smartDate":"Aug 20, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864499","body":"you'll have to make a loan if you can't pay for something at the moment. then you have to pay the bank back at a later time. thats all i know about loans.","dateCreated":"1345486615","smartDate":"Aug 20, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864523","body":"People take loans on anything from buying a house, to buying a car or boat. If it's expensive and you want it, you can take a loan on it. People also take out loans when starting a business.
\n
\nInterest plays a role in loans because when you take out a loan, you have to pay it back. Each payment you make on that loan has interest attached to it, so you end up paying more money than you needed to take out in the first place.
\n
\nThere are things like Equity Loans, Home Loans, etc.","dateCreated":"1345486753","smartDate":"Aug 20, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864577","body":"To buy stuff or pay off stuff. You would but stuff like a car, house, boat. You uses loans to purchase big amount of stuff.","dateCreated":"1345486907","smartDate":"Aug 20, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864597","body":"You would take a loan from the bank to buy a house, car, or to start a business. The bank loans you money. Interest is how much more you are charged the longer you wait to pay off the loan. Loans can put you in debit if you don't pay them off in a timely matter","dateCreated":"1345487038","smartDate":"Aug 20, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864627","body":"People get loans from banks to like put some money down to buy a house or car because they don't have all the money at the time. You have to pay back the loan in a given amount of time. Equity loans, home loans are two different kinds of loans.","dateCreated":"1345487129","smartDate":"Aug 20, 2012","userCreated":{"username":"stephenlewis1z2","url":"https:\/\/www.wikispaces.com\/user\/view\/stephenlewis1z2","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":9}]},{"id":"60001052","dateCreated":"1345171578","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001052"},"dateDigested":1532428210,"startDate":null,"sharedType":"discussion","title":"DQ 7","description":"Where do you plan on living after high school? What city? Apartment? House? How would you go about renting an apartment? Where would you look for an apartment to rent? What is required before you rent an apartment? Why is it important to know how to rent a place to live?","replyPages":[{"page":0,"digests":[{"id":"55833730","body":"I plan on living in dorms at a college then back with my mom when I'm back from college. You talk to the landlord and they give you a contract that you need to read through then sing it. Somewhere where i don't think i'll get broken into at. A contract and maybe good credit I don't know. because you don't want to mess up and not pay then get kicked out.","dateCreated":"1345229660","smartDate":"Aug 17, 2012","userCreated":{"username":"dominicsalvino","url":"https:\/\/www.wikispaces.com\/user\/view\/dominicsalvino","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864441","body":"It depends on the location of the school I'm attending when I decide where to live. Ideally I would like to live in an apartment close to the school, but not close enough for the price to go up because of it. But if the school is close enough, I would like to live with my parents until I'm more financially stable. I would like to have a certain amount of money and stable income so making the payments isn't extremely stressful.","dateCreated":"1345486345","smartDate":"Aug 20, 2012","userCreated":{"username":"emmamurrugarra","url":"https:\/\/www.wikispaces.com\/user\/view\/emmamurrugarra","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864459","body":"I plan on living somewhere in northern U.S. after high school. I don't know what city, apartment, house i would live at. I don't know what is required to rent a place to live but knowing how to is important so that you do not end up homeless.","dateCreated":"1345486483","smartDate":"Aug 20, 2012","userCreated":{"username":"jacobdobbs","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobdobbs","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864505","body":"I plan on living in a dorm and a D1 or D2 school. I dont know what city yet. I have no idea how do rent or what i need to rent a house.","dateCreated":"1345486651","smartDate":"Aug 20, 2012","userCreated":{"username":"jaredknernschield","url":"https:\/\/www.wikispaces.com\/user\/view\/jaredknernschield","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864549","body":"I planning on living in a dorm. I don't know what city. I don't know what is needed for renting a place to live or know how to rent a place.","dateCreated":"1345486816","smartDate":"Aug 20, 2012","userCreated":{"username":"jacobwylie","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobwylie","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864559","body":"After high school I plan on moving into a dorm room and then from there possibly a house. Renting an apartment is an option, but it is the last place of living I would choose. To rent a home or apartment you typically need a down payment which is usually first months rent, and also a deductible, which is there as like a reminder of your contract and should you break it you also loos your deductible. it is also used as a type of insurance some places have a policy where they will cover only so much of the damage and the deductible is there to cover some of the damage costs.","dateCreated":"1345486841","smartDate":"Aug 20, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864599","body":"i plan on living close to the college Im attending. don't know what city, apartment, or house. Don't know what is required to rent an apartment.","dateCreated":"1345487040","smartDate":"Aug 20, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864617","body":"Most likely I'll live in Lawrence. More probably than not, I'd be living in an apartment with a roommate or two. There are many ways to look for an apartment. Of course you can find one searching online. To actually rent one, the owner needs to be contacted, and if you are up to their standards, you'll be required to pay a couple month's rent up front, leave a deposit, and maybe even sign a lease.","dateCreated":"1345487086","smartDate":"Aug 20, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864619","body":"After high school, I plan on going to community college for two years and living at home. I also plan on applying for scholarships and trying to get a full-ride to KU or other major University. If I can, then I will probably live in a dorm or apartment. However, dorm life doesn't really appeal to me. It would have to be a larger one, I take up a lot of space. Especially since my bedroom now is bigger than some of the dorms I've seen at KU.
\n
\nWhen renting an apartment, I would look for something not too crowded, and affordable. I would also want to be able to hang pictures on the walls.","dateCreated":"1345487099","smartDate":"Aug 20, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864631","body":"After high school i plan on living in a dorm. You would talk to a landlord then get a contract on the house or apartment. Then you sign it then you get a down payment to help with paying the amount.","dateCreated":"1345487138","smartDate":"Aug 20, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864637","body":"I plan on living in an apartment after high school. The apartment is in Kansas City, Missouri. I'm renting the apartment from my aunt but typically you'd need good credit and you'd have to sign a leasing contract","dateCreated":"1345487168","smartDate":"Aug 20, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864655","body":"After high school I plan on moving into an apartment with someone so we can share the expenses. I don't know anything else.","dateCreated":"1345487272","smartDate":"Aug 20, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":8}]},{"id":"60001048","dateCreated":"1345171540","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001048"},"dateDigested":1532428210,"startDate":null,"sharedType":"discussion","title":"DQ 5","description":"What are income taxes? When do you have to pay them? Have you paid income taxes before? Do you have to do your taxes even if you have a part time job? Why do you have to pay income taxes? Why is it important to know how to do your own income taxes?","replyPages":[{"page":0,"digests":[{"id":"55833574","body":"Income taxes are the taxes that the government takes out of your paycheck. I dont know why we pay taxes. I have not paid income taxes before. Yes you have to even though you have a part time job. Its not easy to do your income taxes and if you get it wrong or dont pay the right amount they will turn off your lights or electricity.","dateCreated":"1345229253","smartDate":"Aug 17, 2012","userCreated":{"username":"jaredknernschield","url":"https:\/\/www.wikispaces.com\/user\/view\/jaredknernschield","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833582","body":"Its the money comes out of the checks that you get back at a certain time. I don't know when you have to pay them. I have paid income taxes and yes you have to pay taxes if you have a part time job. IF you don't know how to do you're taxes on your own then the other grown ups will make fun of you.","dateCreated":"1345229261","smartDate":"Aug 17, 2012","userCreated":{"username":"dominicsalvino","url":"https:\/\/www.wikispaces.com\/user\/view\/dominicsalvino","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833636","body":"Income taxes are a little percentage of money that comes out of your paycheck every once in a while and it goes to the government.Yes I have paid Income taxes and yes you do have to do it when you have a part time job.","dateCreated":"1345229399","smartDate":"Aug 17, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833642","body":"income taxes are the taxes that the government take out of your pay checks. soon as u get your paycheck at least i think.","dateCreated":"1345229411","smartDate":"Aug 17, 2012","userCreated":{"username":"codypierce123","url":"https:\/\/www.wikispaces.com\/user\/view\/codypierce123","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833680","body":"Income tax is money taken from a person's income that is then used for public services. I personally have not paid them. Yes, this tax is included with part time jobs. These taxes exist to help pay for public and government services. It's important to know how to do your own taxes simply because that is a step towards being financially responsible.","dateCreated":"1345229502","smartDate":"Aug 17, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833716","body":"Income taxes are just that, taxes that are taken out from your income. They go to the state and government to help pay for school funding roads and thing of that nature. These taxes are taken out of your check by the business that employs you.","dateCreated":"1345229602","smartDate":"Aug 17, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833738","body":"income taxes is money taken out of your pay check. the amount of money taken out depends on how much money you make.","dateCreated":"1345229665","smartDate":"Aug 17, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864483","body":"Income taxes are taxes that the government takes from the income that you get from your job. The amount of taxes paid depends on the amount of money that you make.","dateCreated":"1345486537","smartDate":"Aug 20, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864511","body":"Income taxes are taxes that the government takes out of your income and paycheck. The amount of money the government take out depends on how much money you make.","dateCreated":"1345486684","smartDate":"Aug 20, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864563","body":"Income tax is the taxes you have based on how much money you make. You have to do taxes every year. Yes you always have taxes for every job.","dateCreated":"1345486847","smartDate":"Aug 20, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864583","body":"Income tax is the tax the take out of your check for like a job etc.. depending how much money you make they will take a certain amount out for taxes.","dateCreated":"1345486966","smartDate":"Aug 20, 2012","userCreated":{"username":"stephenlewis1z2","url":"https:\/\/www.wikispaces.com\/user\/view\/stephenlewis1z2","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864589","body":"Income taxes are taxes that the government takes out of you income and paycheck. It depends on how much money you make out of that paycheck for the government takes out some of it. I don't know to much about income taxes. But you do receive money back. Like last year my mom received $2,000 back from the government.","dateCreated":"1345486992","smartDate":"Aug 20, 2012","userCreated":{"username":"briannasawyer","url":"https:\/\/www.wikispaces.com\/user\/view\/briannasawyer","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":9}]},{"id":"60001040","dateCreated":"1345171495","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001040"},"dateDigested":1532428211,"startDate":null,"sharedType":"discussion","title":"DQ 4","description":"What is a credit card? Do you have one? Do your parents? How does a credit card work? Do you plan on getting a credit card when you graduate from high school? Why? What do people use credit cards for? Do you HAVE to have a credit card when you get older? Explain your thoughts about credit cards...","replyPages":[{"page":0,"digests":[{"id":"55833494","body":"A credit card to me is like a charge card. You can buy stuff and then pay it off later but you do start off with a limit on what the card can hold like; $50,$100 or $200. My parents use to have one but got rid of it. I want to get a credit card after high school because sometimes I don't carry cash on me and since I don't have a banking account I could use the credit card. People use credit cards for like expensive stuff or if they are going shopping. You do not have to get a credit card when you get older because it is your choice to have one or not and if you want to pay on something later then up front.","dateCreated":"1345229029","smartDate":"Aug 17, 2012","userCreated":{"username":"briannasawyer","url":"https:\/\/www.wikispaces.com\/user\/view\/briannasawyer","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833496","body":"A credit card is used to pay for things that you buy. You can use a credit card whenever you need but at the end of each month you pay back the money you used. I do plan on getting a credit card when i graduate. Carrying a credit card seems easier than always carrying around cash. You don't have to get a credit card when you grow up. My parent does have a credit card.","dateCreated":"1345229056","smartDate":"Aug 17, 2012","userCreated":{"username":"jacobwylie","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobwylie","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833530","body":"I don't have a credit card but my parents do. I'm not sure how they work. I don't plan on getting a credit card. I know people use credit cards to buy things. That's really all I know about credit cards.","dateCreated":"1345229134","smartDate":"Aug 17, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833584","body":"something that has money in it. no. yes both of my parents do. yes i plane on geting a credit card when i graduate. to buy stuff if i dont have money on me. if they dont have money with them to buy stuff.","dateCreated":"1345229262","smartDate":"Aug 17, 2012","userCreated":{"username":"codypierce123","url":"https:\/\/www.wikispaces.com\/user\/view\/codypierce123","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833586","body":"A credit card is a card used to purchase things on credit. This essentially means that you will actually pay for these things, just at a later date and probably over a longer period of time. I do not have one, but my parents do. I've honestly not thought about getting a credit card. People use credit cards to pay for things that they can't actually pay for at the given time. But, it is not a requirement to have one.","dateCreated":"1345229265","smartDate":"Aug 17, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833632","body":"A credit card is a card you can use to make purchases, but you can exceed the amount of money you actually have. It's essentially "unlimited" money, but all the money has to be payed off at a certain time (most likely the end of the month) or you risk falling in debt, and bad credit. Practically every adult has a credit card, but I plan to do everything to avoid getting one. I do not need the hassle of having to pay rates, and the bill. I'd rather pay debit, where it comes directly from the bank account and you cannot overspend.","dateCreated":"1345229387","smartDate":"Aug 17, 2012","userCreated":{"username":"emmamurrugarra","url":"https:\/\/www.wikispaces.com\/user\/view\/emmamurrugarra","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833638","body":"A credit card is a card that allows you to buy items with out it effecting your account, but more like putting these items on a sort of loan that you have to pay back later with interest. I personally do not have a credit card and neither do my parents. I will probably never get one because if I don't have them money to get it when I want to then i should not be buying it. Also it is not necessary to have a credit card when older so why get one? The only good side is if you can make your payments on time for it, it can build your credit.","dateCreated":"1345229407","smartDate":"Aug 17, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833654","body":"the only way that i know of to buy things on the internet is to use a credit card. I'm planning on getting a credit card. the card has a money limit on how much you spend. its better to have a credit card instead of carrying cash because if your wallet gets stolen, you can deactivate it.","dateCreated":"1345229452","smartDate":"Aug 17, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833700","body":"A credit card lets you borrow money from the bank when you buy something. Of course, you're supposed to pay that money later.
\n
\nMy parents have credit cards, they use them when we go on vacations, or sometimes during the holidays.
\n
\nWhen people talk to me about credit cards, they tell me just never get one, life is easier without the opportunity to put yourself into debt at a young age. But other people tell me that I should get one and use very rarely so that I would have and outstanding credit score.
\n
\nNo one HAS to have a credit card.","dateCreated":"1345229568","smartDate":"Aug 17, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864477","body":"A credit card lets you borrow money form the bank and when you buy something in takes the money out of the bank. My parents have credit, they uses them when they dont have money on them and when we go on vacations, I do plan on getting a credit card after high school because if i don't have money on me and if i don't have enough money.","dateCreated":"1345486532","smartDate":"Aug 20, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864481","body":"A credit card lets you borrow the money from the bank when you buy something and you have to pay it back later. my parents do have a credit card. I don't want a credit card cause you have to pay interest with credit card, im just going to use my debit and use the money i have at the moment. you don't have to have a credit card when your older.","dateCreated":"1345486535","smartDate":"Aug 20, 2012","userCreated":{"username":"stephenlewis1z2","url":"https:\/\/www.wikispaces.com\/user\/view\/stephenlewis1z2","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864495","body":"A credit card to something you charge purchases to when you don't have the money to purchase it. My parents and I each have a credit card. After high school I do plan on having a credit card. Credit cards are very useful you can purchase a lot with them and you can pay it off later so I would say having a credit card when your older is a must","dateCreated":"1345486593","smartDate":"Aug 20, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":8}]},{"id":"60001036","dateCreated":"1345171458","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001036"},"dateDigested":1532428211,"startDate":null,"sharedType":"discussion","title":"DQ 3","description":"Have you ever heard of the term \u2018credit\u2019? What does it mean to you? Why is it important? How does credit tie into money matters? What do you need credit for? What happens if you have bad credit? Have your parents ever talked to you about 'credit' and what did they say?","replyPages":[{"page":0,"digests":[{"id":"55833412","body":"Credit is money that you use from your bank and then pay back every month. It is easier to get loans if you have good credit. You may not be able to receive a loan. My parent hasn't talked to me about credit.","dateCreated":"1345228840","smartDate":"Aug 17, 2012","userCreated":{"username":"jacobwylie","url":"https:\/\/www.wikispaces.com\/user\/view\/jacobwylie","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833456","body":"Credit is the money you borrow when you sign for a credit card, and the rates they fine, and your ability to pay off those debts at the time they are due. Bad credit is due to lack of being able to pay off those debts on time, vice versa with good credit. Many places consider your credit when looking to sell you goods like a home, car, etc.","dateCreated":"1345228926","smartDate":"Aug 17, 2012","userCreated":{"username":"emmamurrugarra","url":"https:\/\/www.wikispaces.com\/user\/view\/emmamurrugarra","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833458","body":"I don't know very much about credit. All I know about credit is that it can be a very good thing at first, but then it can get very bad if you don't handle it right.","dateCreated":"1345228927","smartDate":"Aug 17, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833484","body":"No! it means that u have a card and it has credit on it.","dateCreated":"1345229007","smartDate":"Aug 17, 2012","userCreated":{"username":"codypierce123","url":"https:\/\/www.wikispaces.com\/user\/view\/codypierce123","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833498","body":"Credit is essentially the principle that a debt will be paid later. Now, a person's credit rating does affect them in many ways, mostly in their ability to get approved for a loan. Having bad credit makes a person more of a risk in the eyes of anyone considering giving them a loan. I've heard people talk about it before.","dateCreated":"1345229056","smartDate":"Aug 17, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833532","body":"Credit is basically "borrowing" money for a time but you eventually have to pay it back, with interest. with credit you can buy expensive things like a house or a car, and pay back the money over time. if you have bad credit, then some people would not trust you with borrowing money and paying them back, which means that you may not be able to buy a house or if you do you will have to pay a lot higher interest rate.","dateCreated":"1345229138","smartDate":"Aug 17, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833536","body":"credit is money you barrow by using a credit card. its important because sometimes you don't have enough money at the moment to pay for something, just use your credit card and pay it later.","dateCreated":"1345229151","smartDate":"Aug 17, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833612","body":"When you use a credit card, it's basically borrowing money from the bank. You pay it back later, with an added interest rate.
\n
\nYour credit score goes down when you don't pay that money back. A bad credit score can hinder you from getting things like loans.
\n
\nPeople often use credit cards for expensive things that they have money for at the time of purchase.","dateCreated":"1345229335","smartDate":"Aug 17, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833706","body":"A credit is borrowing money form the bank. Sometimes it is good to have like a credit card because you don't have money on you or you don't have enough money. If you have bad credit then it can effect you. Yes my mom have talked to me about credit.","dateCreated":"1345229582","smartDate":"Aug 17, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833718","body":"Credit is something that shows if you are good with money and borrowing it. You credit is important if you ever want to borrow money or buy a car. Credit shows companies you are good with money. Bad credit can stop you from buying cars or loaning money. Yes my parents have talked to me about credit","dateCreated":"1345229611","smartDate":"Aug 17, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864491","body":"Credit is something that shows people that you can spend money on something big and pay it off. Your credit is really important because if you want to buy a new car or rent a place to live, some people do a credit check to see if its good or not. If you get bad credit it can stop you from getting a loan or buying a new car. My brother always checks his credit and so does my parents.","dateCreated":"1345486590","smartDate":"Aug 20, 2012","userCreated":{"username":"briannasawyer","url":"https:\/\/www.wikispaces.com\/user\/view\/briannasawyer","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864567","body":"Credit is where you buy something you don't have the money to pay for at the time but you can pay it off later on in the near future. your credit has to be good if you want to buy a house or car etc.. if you have a bad one the bank can say no to giving you loans. my mom checks her credit","dateCreated":"1345486863","smartDate":"Aug 20, 2012","userCreated":{"username":"stephenlewis1z2","url":"https:\/\/www.wikispaces.com\/user\/view\/stephenlewis1z2","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":9}]},{"id":"60001030","dateCreated":"1345171424","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001030"},"dateDigested":1532428211,"startDate":null,"sharedType":"discussion","title":"DQ 2","description":"What do you know about checking accounts? How do they work? Why is it important to have a checking account and accurately maintain it? What are the benefits of having a checking account? What do people use a checking account for? What do people still write checks for instead of paying in cash?","replyPages":[{"page":0,"digests":[{"id":"55833354","body":"A checking account is basically used to store money until it is used. It is important to have and maintain one because it is a fairly simple way to manage money. Another reason they are used is because paying through a checking account is easier than dealing with actual cash money.","dateCreated":"1345228703","smartDate":"Aug 17, 2012","userCreated":{"username":"Peterswanson","url":"https:\/\/www.wikispaces.com\/user\/view\/Peterswanson","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833364","body":"A checking account is an account where you deposit your checks, so the money can be withdrawn from at a later time. In most cases, work places pay salaries in checks or deposit the money directly to your account. This makes it simple, it also makes it easier for people who don't have cash on hand to pay at any given time. It has a security benefit, since cash is easier to lose or have stolen.","dateCreated":"1345228722","smartDate":"Aug 17, 2012","userCreated":{"username":"emmamurrugarra","url":"https:\/\/www.wikispaces.com\/user\/view\/emmamurrugarra","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833376","body":"let me guess, it has to do with drawing money out of your bank with checks. that is all","dateCreated":"1345228746","smartDate":"Aug 17, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833380","body":"A checking account tracks the money you spend and what bills or other stuff come through. My mom has a debit card which only has what money is in her checking account. It is important to have a checking account so you can have a place to put your money. It is important to maintain it so you don't get nsf fees, like if there is no money in the account and a bill comes through the bank can charge you. People still use checks because they are linked to your checking account.","dateCreated":"1345228748","smartDate":"Aug 17, 2012","userCreated":{"username":"briannasawyer","url":"https:\/\/www.wikispaces.com\/user\/view\/briannasawyer","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833394","body":"All I know about checking accounts is that they have an account for you to put money into, take money out of, and directly deposit your paychecks into. The benefits of having a checking account is that you might not have to carry around as much money.","dateCreated":"1345228779","smartDate":"Aug 17, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833410","body":"i know that my parents have a checking account. for u to keep track of your money and what u spend on stuff. so u can keep track on stuff that u did and how mutch.","dateCreated":"1345228825","smartDate":"Aug 17, 2012","userCreated":{"username":"codypierce123","url":"https:\/\/www.wikispaces.com\/user\/view\/codypierce123","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833416","body":"Checking accounts are bank accounts that hold your money that you do not plan on saving, or that you need easy, fast access to. They are the main account that people have and from here they can use checks to pay for stuff or a debit card if they have one. the down side is that you can over draw and go in the red on these accounts so you must keep a log of your spending or you can overdraw your accounts.","dateCreated":"1345228846","smartDate":"Aug 17, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833492","body":"A checking account holds the money so that whenever you write a check, that's where the money comes from. Not your debit account. Not your savings account.
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\nThe best part of a checking account is that you don't have to have all your physical money on you. If you need to buy something that's $200, you probably don't have $200 cash on you, and what if your debit account doesn't have $200 and you don't want to go into debt?
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\nPeople write checks when sending money through the mail, paying taxes, etc.","dateCreated":"1345229022","smartDate":"Aug 17, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833546","body":"I know that you can write checks and get money out of the bank and when you write a check it automatically takes out the money out of your account. You have to write down how much you have spent in front or back of the check book. You don't have to keep cash with you. You can write cash when you shop and pay bills or anything.","dateCreated":"1345229191","smartDate":"Aug 17, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833650","body":"A checking account is a place where you deposit or withdraw money. They work by holding on to the money you earn. Its important because you hold your money there from jobs or people. The benefits are you can get interest on your money which will earn you more money. Checking accounts hold the money you earn. People still use checks sometimes because they don't have the cash hands on and if you lose a check you don't have to worry about losing any money","dateCreated":"1345229450","smartDate":"Aug 17, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864515","body":"A checking account is where you can deposit your money or withdraw your money. it basically a place to keep your money safe. you can get interest on your money by having it in there to get more money. some people use check but not as much anymore. they will write one if they don't have money on them or don't use a debit or credit card.","dateCreated":"1345486729","smartDate":"Aug 20, 2012","userCreated":{"username":"stephenlewis1z2","url":"https:\/\/www.wikispaces.com\/user\/view\/stephenlewis1z2","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864665","body":"A checking account is a thing that you can right checks and they come out of the account. they are helpful that when you get paid the money right in to your account.","dateCreated":"1345487335","smartDate":"Aug 20, 2012","userCreated":{"username":"jeremymcdonnell","url":"https:\/\/www.wikispaces.com\/user\/view\/jeremymcdonnell","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":10}]},{"id":"60001026","dateCreated":"1345171386","smartDate":"Aug 16, 2012","userCreated":{"username":"BSHSLaw","url":"https:\/\/www.wikispaces.com\/user\/view\/BSHSLaw","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"},"monitored":false,"locked":false,"links":{"self":"https:\/\/bshslaw.wikispaces.com\/share\/view\/60001026"},"dateDigested":1532428212,"startDate":null,"sharedType":"discussion","title":"DQ 1","description":"What do you know about a budget? How does it work? Why do people create a budget? How does it help people financially? Do you know anyone in your family that uses a budget?","replyPages":[{"page":0,"digests":[{"id":"55833224","body":"A budget is a way to limit how much you spend on something. This way you can spend your money wisely and know what you have left. People create a budget so they don't run out of money. It helps them by having left over money and everything paid for like bills. My brother uses a budget since he just got out of college (K-state) and has bills to pay.","dateCreated":"1345228516","smartDate":"Aug 17, 2012","userCreated":{"username":"briannasawyer","url":"https:\/\/www.wikispaces.com\/user\/view\/briannasawyer","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833228","body":"A budget is how much money you can spend at one time that way you can save your money and put it toward something else. If you can only spend a certain amount of money you can save the rest some place else.","dateCreated":"1345228523","smartDate":"Aug 17, 2012","userCreated":{"username":"abigailward","url":"https:\/\/www.wikispaces.com\/user\/view\/abigailward","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833230","body":"A budget is how much money you can spend at one time that way you can save your money and put it toward something else. If you can only spend a certain amount of money you can save the rest some place else.","dateCreated":"1345228524","smartDate":"Aug 17, 2012","userCreated":{"username":"abigailward","url":"https:\/\/www.wikispaces.com\/user\/view\/abigailward","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833244","body":"A budget is a goal that you set for yourself with a set amount so you don't spend too much of your money. It works by limiting spending and people create budgets so they can save for something or just so they don't go overboard on spending. I myself and my parents use a budget.","dateCreated":"1345228544","smartDate":"Aug 17, 2012","userCreated":{"username":"buddyburnett","url":"https:\/\/www.wikispaces.com\/user\/view\/buddyburnett","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833260","body":"A budget is something to help limit your spending for important things. When you use a budget you set an amount for spending on whatever and money that you'll have to use for finances and other things. People create budgets so they have enough money for their finances. It helps people because then they have enough money for everything. I do not know of anyone in my family that uses a budget.","dateCreated":"1345228568","smartDate":"Aug 17, 2012","userCreated":{"username":"stephaniegear","url":"https:\/\/www.wikispaces.com\/user\/view\/stephaniegear","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833264","body":"i know that my parents have a budget, if u go over your budget that is realy bad. it helps them in life to get places in there life.","dateCreated":"1345228569","smartDate":"Aug 17, 2012","userCreated":{"username":"codypierce123","url":"https:\/\/www.wikispaces.com\/user\/view\/codypierce123","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833266","body":"A budget is how much money you spend on something and to help people save money. My family uses a budget.","dateCreated":"1345228575","smartDate":"Aug 17, 2012","userCreated":{"username":"bridgetrittinghouse","url":"https:\/\/www.wikispaces.com\/user\/view\/bridgetrittinghouse","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833272","body":"Its when people have a spending limit so you dont spend all you money. and i think my parents do, so they don't spend all there money and know what they can buy and can't.","dateCreated":"1345228591","smartDate":"Aug 17, 2012","userCreated":{"username":"stephenlewis1z2","url":"https:\/\/www.wikispaces.com\/user\/view\/stephenlewis1z2","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833290","body":"limits the amount of money you spend. my parents have a budget. helps people save their cash.","dateCreated":"1345228621","smartDate":"Aug 17, 2012","userCreated":{"username":"ryanturner25","url":"https:\/\/www.wikispaces.com\/user\/view\/ryanturner25","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833378","body":"A budget is a plan that people or organizations create on how much money they can spend on stuff.
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\nIn a budget, people set aside a certain amount of money for things like, gas, food, , clothes, etc. Say I had $500. I would set aside $200 for food, $200 for gas, and $100 for clothes.
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\nPeople create budgets so that they don't go into debt or bankrupt.
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\nIt helps people so that they don't end up spending the entire $500 dollars from before on just food, and have no money left for gas and other things.
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\nThere is no one in my family that uses a budget that I know of.","dateCreated":"1345228747","smartDate":"Aug 17, 2012","userCreated":{"username":"rachelly181","url":"https:\/\/www.wikispaces.com\/user\/view\/rachelly181","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55833432","body":"A budget is something that keeps you from spending more money that you don't have. You pick an reasonable amount of money that you can afford. People create a budget because they want to save money and not spend more than they can afford. It helps people financially by giving them a reasonable amount to save for and to not spend to much. Actually my brother is getting married in 22 days and he has a 3,000 dollar budget","dateCreated":"1345228889","smartDate":"Aug 17, 2012","userCreated":{"username":"addisontolliver","url":"https:\/\/www.wikispaces.com\/user\/view\/addisontolliver","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}},{"id":"55864543","body":"A budget is something that cuts you off from spending your all you money at one time. My dad has a budget.","dateCreated":"1345486801","smartDate":"Aug 20, 2012","userCreated":{"username":"jeremymcdonnell","url":"https:\/\/www.wikispaces.com\/user\/view\/jeremymcdonnell","imageUrl":"https:\/\/ssl.wikicdn.com\/i\/user_none_lg.jpg"}}],"more":12}]}],"more":false},"comments":[]},"http":{"code":200,"status":"OK"},"redirectUrl":null,"javascript":null,"notices":{"warning":[],"error":[],"info":[],"success":[]}}