Here’s the second installment of those personal finance notes I promised. This module was more complicated -mortgages, insurance, financing a house and car. Nasty stuff, but vital nonetheless. Yay for being an adult.
(You can find part one here)
Personal Finance - Risk Management and Securing Assets
I’ve told a lot of you about the personal finance class I’m taking - one of my very last fun classes at Cal, *sigh.* Anyway, it’s an incredibly valuable and practical course because it lays many of the (admittedly common sense) guidelines for planning out your financial life. It’s alarming how many people my age have no idea how to manage money. Some can earn it, everyone knows how to spend it, most of us are well-versed in asking for it… but hey guys, we’re about to graduate, and that means financial independence along with the salary, endless bar tabs, and swanky yuppie apartment somewhere in the Mission.
Here’s the intro: the basics of credit, budgeting, loans & mortgages, and taxes, for your perusing pleasure. Enjoy.
So, I finally created my own PayPal account. I know, I know. Sorry. It’s embarrassing how long I waited. For the longest time, I was able to get away with using Akshay’s account.
No more!
I was prompted to do so because I was doing Christmas shopping on eBay, and one of the retailers I was purchasing from accepted nothing else. I would have bought my goods elsewhere, but the price was too good. The goods better be, too…
See, I rarely buy anything online. It’s true! As comfortable as I am with the intarwebs and asserting myself all over it (them? no), our interactions are purely intangible. I transmit and receive incredible amounts of information, but not much in the way of clothing and electronics and whatnot. I prefer to do my shopping in person because nothing ever has the expected number of USB ports, or it’s definitely not the color I ordered, or it NEVER fits. That’s a different story. Let’s not get into it.
I’m glad I have an account now - I no longer have to transact with most people in cash, which is always preferable because I can know where money is going. I dislike cash because every time I break a 20 it vanishes within a few days and I’m often hard-pressed to figure out where. Complicating my online life is going to simplify my finances! How exciting.
