Lifestyle in 10-15 Years

Week 6: What I am Grateful For

I have been extremely grateful for the past 5 weeks. I am grateful for this class because it helped me get a vision of how to be a responsible adult in the future. I am grateful for my internship because it helped me gain experience in the work field and it kind of gave me a glimpse into my future work experiences. I am grateful for using Waybook because it helped me define my understanding of myself, characteristics, etc.. The discoveries of myself did not make me change the way I saw myself because I already had a feel for myself and the discoveries in Waybook just helped clearly view my characteristics. I am grateful for discussing work readiness skills and to see which work readiness skills were my strongest and lowest so that I could work on my lowest points more to be the best worker / co-worker as I can be. I am grateful for using all of the websites we used because it helped discover helpful resources for my future. I am grateful for my experiences this summer and I feel extremely lucky because it helped me find good resources for the future, it helped me think about my future, and taught me how to be responsible adult and person overall and that this experience will help me add to college applications and it will help me look like a better candidate for college or for any future jobs I may have. I discovered what were my values and I got to narrow down my goals to help me with my future and I am grateful for that.

Finance and Savings Interest-CCorr

William, starts saving $4,000 a year (about $333.33 per month) when he is 20 and stops after 20 years, after having saved $80,000.--45 years until he's 65

His brother, James, starts saving $4,000 at 40, and does so for 25 years, for a total of $100,000 saved.

231,653.79

Interest earned during the time that he has put in his monthly 20-40

$155,244.76--$666,000

They earn 6% on their savings.

At age 65, William will have $____ in his account, while James will have  $_____ . Despite having saved less, William's nest egg will be almost four times greater because of compounding

Wk 5: Appreciation

I'm grateful for all of the opportunities that are available to me. 

I'm grateful for this career readiness class because it made me aware of what it is to be a responsible adult. Budgeting and thinking about the future monetarily was really eye-opening, especially when it came to all of the expenses that are needed to survive and thrive. 

I'm grateful for this internship because it has provided me with new ideas to eat healthier and have the food taste good (not as impossible as it sounds). I also realized how much people bond over food and how it's a gateway to conversation. I definitely appreciate my parent's cooking more and try to help out in the kitchen.

I learned a lot about my strengths, values, and personality that helped me get a better look at who I am. It's kind of hard knowing who you are at such an early age and what characteristics define you, and those quizzes definitely helped. It only helped solidify what I already knew was true, but needed a second opinion on. 

I don't think reflection on the discoveries made make me think any differently about myself. I'm highly opinionated and I have a sense of who I am. It was basically just a summary to me.

Being introduced to google sites, linkedin, and using blogger was really interesting. It was fun exploring new sites and seeing how they could help further our future career. 

I learned that I rely on logic, am genuine, and enjoy long walks on the beach. It was nice to see what my strengths were and what characteristics weren't.

I am very thankful for this opportunity. I feel as though since all us kids live in Marin, we take for granted what we have every day. Other teens in California don't have as nearly as much opportunities for success. Also, check out our views, amazing. The air I breathe is clean and I don't have to wear a mask. I'm thankful for everything (except for all the bad people in the world), even you.

Wk 4: Expenses

• The total of my future expenses each year are 41,940.  I know this is logical because my primary sources for information are my father and the internet: http://money.cnn.com/magazines/moneymag/money101/lesson18/index3.htm
• According to the police website looking for cadets, I can likely count on making $80000 each year in my future job as an entry level police officer in San Francisco.  My education/training to get that job will cost $2500 total for all years of training.
• http://www.jobaps.com/sf/sup/BulPreview.asp?R1=CCT&R2=Q002&R3=060667
• I want to save $5,000 for my rainy day fund each year, and $24000 for retirement each year.  If I save $24,000 for retirement each year, by the time I am 65 years old I will have $424, 340 plus interest
• Comparing my future income and expenses makes me think…. that I either need to find a higher paying job, move out of California, or find some places to budget even more. California taxes are especially high and the state has inflated prices. 

Week 6: My Experience

I am most grateful for the variety of work that I have experienced this summer. Being diligent and productive during my construction job seemed to be most relevant as I was asked to do a variety of tasks. Asking clarifying questions and questions pertaining to efficiency seemed to be the most useful as  I ran into obstacles that I felt could be performed faster. Regarding class, I felt the most important thing I learned was the use of the waybook. Not only was it easy to use, but it allowed me to reflect on some of the values and personality traits that I underestimated before. It also exposed me to a program that I had never used before but can utilize either on a resume or show a future employer the type of worker/traits that I value.

Regarding the internship, I was grateful that TJ taught me a valuable lesson about customer service. If a business can tailor their service to meet the wants and needs of a customer, than both customer and manager are happy. If the customer is happy, so is the business. Therefore, it's necessary for a business to go beyond the standards and allow for flexibility within the service or program. Secondly, allowing a variety of products and services allows a more diverse population of customers who can find exactly what THEY want from the business. There shouldn't be only one rudimentary class at a crossfit gym (or any gym in general). A gym should offer a variety of programs (classes, PT sessions, team events, kids-teen programs). As a result, the community becomes infused into the business, creating a strong sense of community.

Future savings

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)? $39,500.23

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)? $18,312.14

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

6 (make up your own problem)-- write it here

This makes me think that since I am planning on traveling to Europe in two years, and was planning to spend $2,000 to go to europe, after calculating this, I feel that it will be incredibly possible and attainable.

What I'm Grateful For

I'm grateful for everything that I have in my life. I'm lucky to have such supportive family, and friends who truly care about me. I'm also extremely grateful for my health and for the circumstances that I live in. This summer I was fortunate enough to take part in an internship at Heartland Hospice. Although it may sound depressing, it was actually a really good experience. I got to meet lots of interesting people, and help out everyone at the office. I'm very grateful to have received such an in depth experience in an office, and learned about the skills that it requires. I am lucky to have taken a closer look into my spending, and learn about how to mange my finances better in the future. Without this class, I wouldn't have paid much attention to how I spend my money, which would result in a range of issues as an independent adult. My internship gave me the opportunity to work alongside many different individuals, and learn about what hospice is. I'm thankful that I was able to so greatly help everyone at the office, and truly feel appreciated. I'm glad that I got the chance to meet such kind and grateful people at Heartland, and make an impact on the entire operations of the office and staff due to such important filing tasks I was given. I also developed my interest in social work, and got to meet and talk to people who are social workers at the hospice. If I hadn't done this class and internship, my five weeks would've looked a lot different. I would most likely have been working more, as well as procrastinating more on summer assignments. I think that by being so busy, it became easier for me to focus on what really needed to get done. It's great that I got such a hands-on experience at Heartland, and I feel as though it will greatly assist me in my future career. This summer has had much more focus on developing my interests and possible future majors and careers. I'm happy that I participated in the class and internship because I'm not sure when else I would've been able to receive such an experience. Most people in high school don't spend much time over the summer thinking about the future, but rather thinking about the past and present. I think it's important that we begin to think about what it is that we want to do, because it isn't too far off when we'll be out of college and ready for a job.

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)?
$39,500.23.

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)?
$28,301.40.

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

$19,938.10.

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

$283,013.98

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

$199,381.03

 

6. 1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $500 each month, how much will you have when you are 78 years old (60 years later)?

$490,926.37

This makes me think that the more you save each month and the more the money is compounded, you'll be able to end up with a lot of money in your bank account.

Blog Post #6

I realized through the savings account exploration that by investing a small amount of money in a bank will allow your savings to increase a lot over time.  When I invested $500 and added $50 in monthly increments for 50 years, my total would be roughly $39,700 in the bank, which is incredible.  So, this has inspired me to invest early in life to make the most of my money.

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)? $36,700

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)? $28, 650

What Am I Grateful For?

This summer, I am thankful for both the school to career class and my internship. I'm very happy that we've been able to learn about interest rates and financial decisions in class because we will need to know about those types of things when we're living on our own. I now have a lot better idea on how much I can spend, especially since overspending is a very easy task to do during the summer. I'm also thankful that we did a 5-15 year plan because it made me understand how hard I want to work in order to achieve my goals in my field of studies for science and medicine.  With my internship, I'm glad that I was able to be in an office job atmosphere and get a real feel on how important professionalism and all of our other work readiness skills come into place. I learned to be tolerant and respectful, dedicated, and have good communication skills. Being tolerant and respectful is crucial when speaking to patients and their families. They are at a very uneasy state, so their caretakers must understand all of the paths that the family may want to take during this time. This may include whether they want spiritual care or not, the types of medications the patient needs, how often the nurses come visit, and other personal decisions. Being dedicated is important too for one must be committed to their job at Heartland 100%. At orientation, our supervisor made it clear that we should be comfortable with the conversations of death and dying around the office. Heartland works with every bone in their body to make sure that they are putting in their best effort to keep the remainder of patients’ lives free of stress and troubles. Finally, I'm thankful that I've improved my skills of serving the needs of others. Heartland Hospice centers their work around helping people wherever they may call home, whether it’s the house they’ve owned for years, an assisted living facility, or a skilled nursing center. I'm so grateful to have these types of opportunities because I know a lot of children, teenagers, and young adults around the world don't have any sort of education whatsoever. In a couple weeks I'll be traveling to Mexico to build orphanages and help kids learn English, so I'm very excited to spread knowledge and help a community with children that needs all the assistance they can get. Overall, this summer has matured me a lot. It has made me realize how important my future is, and I really am grateful for that.

money in account

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)?

$39,500.23

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)?

$28,301.40

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

$19,938.10

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

$283,013.98

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

$199,381.03

6 (make up your own problem)-- write it here

This makes me think…the earlier you start to save, the more the less worry you would have to get when you get older

Compound Interest Calculations

1. If you put $500 into a regular savings account in the bank when you are 18 years old, and add $50 each month, how much will you have when you are 68 years old (50 years later)?
$39,500.23.

2. If you put $500 into a regular savings account in the bank when you are 30 years old, and add $50 each month, how much will you have when you are 68 years old (38 years later)?
$28,301.40.

3. If you put $500 into a regular savings account in the bank when you are 40 years old, and add $50 each month, how much will you have when you are 68 years old (28 years later)?

$19,938.10.

4. If you put $5000 into a regular savings account in the bank when you are 30 years old, and add $500 each month, how much will you have when you are 68 years old (50 years later)?

$283,013.98

5. If you put $5000 into a regular savings account in the bank when you are 40 years old, and add $500 each month, how much will you have when you are 68 years old (28 years later)?

$199,381.03

6. If you put $1000 into a regular savings account in the bank when you are 10 years old and add $100 each month how much will you have when you are 30 years old (20 years later)?

$27,642.99

This makes me think that it is actually easier to increase your total value in your bank account due to time and interest. Starting earlier has it's benefits. Also it makes me think that only a small amount each month ($100) could make a huge difference in the long run.

Blog Post #5

I am grateful for the opportunity I was given through my internship.  Pertaining to the class, I am grateful to have learned how to create a resume, sample job application, cover letter, etc.  Pertaining to my internship, I am grateful for the wonderful experience I had working with professionals in the medical field.  I have gained a wealth of knowledge from my internship that has helped me in my decision for my future career path after college to become a doctor.  I learned that I am a very ambitious person and I love helping people and enriching the lives of others.  I also learned that equality is one of my strongest morals.  Reflecting on my discoveries did not really make an impact in how I saw myself and what I learned about myself.  I have reflected on such things in the past, so nothing new was really brought to light (except that I may be autistic). Through my internship, I definitely improved on effective communication skills.  I had to constantly update my supervisor on schedule changes.  My diligence also improved; sometimes the work was boring, but I pushed through it.  Not many people get this opportunity, and so I am very grateful.

Final Post

The class:

To be honest I didn't learn all that much from the class. This isn't the class's fault, however. I have a college counselor who had already taught me about my resume and future things like college. I did learn some very important things from the class. I learned what I cover letter is and did learn some important tips on having a budget. I also learned how to create a Google site. I wish I could say that this class helped me find who I am through the exploration and whatnot, but honestly, I'm always thinking about my life and my future each and every day. That's just the way I am. I went into this class already knowing my 10 year and 5 year plan as well as a back-up plan. The class was taught well and I don' regret taking it.

The Internship:

My internship just started last week. (Late right?) It made me realize that I want to work in someplace big. Like a big hospital or lab. It also taught me something that I didn't expect: that I enjoy working with children. I previously thought that working with kids would be annoying and tedious. I've learned that it is extremely rewarding and fun. I'm still discovering things about myself through my internship since it just started. I wish there was more I could say, but as of right now I've much to learn.

Week 5 Blog Post

Going into this summer I had really no idea what to expect from my internship. I'd never had a job before or any type of commitment to a given time or place. I've always had a weird fear of getting a job and having to go through the process of putting myself out there purely because I was scared of having to interact with people. My internship has really forced me to have to communicate and get along with an assortment of people as well as the internship class. The internship class forced me to be in an environment with strangers however I found I was able to talk to people much easier than I originally thought I would. I'm grateful for the opportunities that forced me to go outside my comfort zone and learn to interact with new people.

I really am grateful for being able to be part of the Health Hub put on by my internship. I'd always thought about volunteering at a food bank or church however I was always would give up after looking into the application process/orientations. Small obstacles like this have always deterred me from trying anything new. However through my internship I learned that steps like this are only minor and ultimately lead to the desired end result. Learning this is a vital step for preparing to be an adult and adapting a grown up lifestyle. Besides understanding more of how I make decisions and allowing myself to look past some of illogicality of it, I genuinely felt a strong sense of pride for what I was doing. It was a really great feeling to know how much I was helping the families. It was incredibly rewarding to see how excited the children would be when they got to pick out the food themselves. I really enjoyed spending my time there and hope that I can continue going during the school year.

The class itself really made me think about college in a way I never had before. In school I've never had a class or teacher who really has gotten me thinking about college in a way more than simply the word "college". When college is discussed majors/career choice is rarely mentioned. It's hard to talk about that aspect of college with friends when nobody really lets forth what they want to major in. For some reason, or at least this has been my experience, I've noticed talking about what you want to major in has become a topic that can feel embarrassing to discuss. Nobody really wants to say what they want to do in fear of being judged. This really shouldn't be how it is because talking through ideas is the only way to know if you're truly passionate about the subject matter. Writing these blog posts has forced me to think about this more than ever before in my life. I think writing or talking these things through is vital to determining true interest in a given field. Although it has been time consuming I actually am grateful for writing these blog posts because it has forced me to face my future head on.

I've learned that I really am passionate about health and exercise. I went into my internship thinking the subject matter sounded interesting however I really had no prior experience with it. But this summer I've changed my lifestyle by trying to cut out a lot of processed foods and exercising everyday. Becoming healthy has been very important to me and I've stuck with it. Partially I can attribute this to making goals in class because something about having it written down made me more compelled to actually follow through. Entering into the nutrition field is becoming more of a reality for me. As of now I really am set on becoming a dietitian.

week 5

I am grateful for myself, God , my mom and my grandmother because without my efforts and beliefs and without my family, I would not be the person I am today. I am grateful that I had the opportunity and do and internship and take the class. I am grateful that I got to learn new ways of sharing my thoughts online. I am also happy that I got new computer skills with Google sites, blogs, way book..etc.  I am grateful that I got to take this internship and learn a lot about myself while taking it. I learned that with self-confidence and a little bit of motivation, I am capable of doing everything I want in life. I am grateful that I used way book at the internship class because I learned that I am a much stronger person than I thought I was and that I am really open when it is time to help others. Overall, I think the experience I had this summer helped me figure out what I am capable of doing and also the positive side of learning new skills.

Mahalia's goals

Goals

• keep track of all my deadline (for college apps, scholarships, reports)
• always have time management
• do my summer assignments for  AP English
• write my upcoming events, internships days, appointment in an calendar or somewhere on an agenda so I can keep track of my time and be prepare.
• get accepted to at least one UC, CSU and a private college.
• try to control my stress level.

Habits

• not reading my English  books
• giving more importance to deadlines
• get nervous or anxious about everything even if it is not important.

Allies

• AVID teacher 
• family
• counselor
• therapist 

week 5

I am grateful for parents, family, church, friends and nature. also i am grateful for having such good people surrounding us and helping/supporting us in everything we do. I am grateful that i had the chance to create a bond with the kids and the other assistants. i got to learn from that experience and gained a lot from that experience. i am glad i got to learn from the readiness skills and got back feedback from my supervisor and was able to practice it many times and learning about using your money wisely. at the internship i gained and learned how to be patient and got closer to the kids especially Andres and you learn that they are a gift from God, a miracle that you need to take care of and nourish.

Blog 2

Throughout my internship, I have come to learn that the Work Readiness Skills really do prepare you for the work environment. Communication is a major player- one must learn how to balance asking questions needed to understand the wonk one must do and asking the same question repetedly not for further clarification, but because one has failed to listen to the explination the first time around.

Honesty is also crutial. One must be honest with their supervisor at all times. Honesty includes telling him/her if they are feeling uncomfortable with something, or if they do not understand the task they have been asked to do. Admiting these things could lead to a talk woth your supervisor to fix these problems- maybe changing whatever it was that was making you uncomfortable, or giving you tips on how to improve your experience with it.

Blog 3

• I want to work in the medical field. To do so, I would have to major in biology or chemistry. My ideal career would be a Cardiac Surgeon. Their averyage pay, after residency, is about $544,000 a year. The United States is one of the highest paying countries of the world for this position. Countries with less advanced medicine, or that are low income, would not be able to afford these kinds of surgeries. It requires 4 years of college, 4 medical, and depending on specialty, differing years of residency. People in this field must be caring, confident, and high acheiving- as it requires a lot of years of education.
  
  
  Another job could be a researcher. A 4-year college would also be needed, but not Medical school. Often times, researchers will travel to different parts of the world via an Americal organization. Therefore, they would still be getting paid by the USA. Many other first would countries have research programs, but not many third world countries (unless sponcered by an organization from a first world).
  
  
  A final job would be a teacher. For this, teaching credentials are also needed. For this carrer, one must be patient with students, like kids, and love the subject they are teaching.

Blog 4

• The total of my future expenses each year are about $40,000.  I know this is logical because my primary sources for information are my parents, who explained to me that this was around what they themselves spend.
• According to GlobalPost I can likely count on making $544,000 each year in my future job as a cardiac surgeon after residency.  My education/training to get that job will cost $260,000 total for all years of training.
• I want to save $1,500 for my rainy day fund each year, and $15,000 for retirement each year.  If I save $1,000 for retirement each year, by the time I am 65 years old I will have $570,000 plus interest.
• Comparing my future income and expenses makes me think that if I want to pursuit a career as a cardiac surgeon, I have to be absolutely sure it is the right career for me. It will be extremely hard to drop out and follow a new career path once I am too invested in cardiology, and if I ever do so, I will lose a lot of money spent on the education required.

Blog 5

I am grateful for all the opportunities I have been given during this summer. I am extremely thankful to my supervisor, who let a high school student follow her around for six weeks asking questions. She was patient and understanding whenever I needed something explained because I didn't have the medical educational backround to fully understand it. I am greatful for the amazing teachers we had for this Summer Career Academy class, and all of the information they have provided us in order to prepare us for our future. I feel more prepared than I ever have before to enter the working environment. I have learned things this last five weeks that many adults are forced to learn on their own (how to write a cover letter/resume). I know I will be using this information frequently once I start my career, and am thankful that it was provided for me.

blog #5

I am grateful for many things. My family, my dog, my life, my friends, loved ones, everything that's happened so far during this  and last summer . this summer, I was grateful to actually gain some experience on care giving and I loved how much fun it was.  class was fun, met a few friends which have gotten really close and the assignments weren't that bad. grateful I could be apart of such an awesome group. I learned that when ever I am needed, I am there in a flash or when being brave is called for. wasn't like this before, which surprises me.  reflecting on the discoveries, well I was surprised about them. weren't off at all, and it changed how I saw myself. and I liked it. I was given opportunity this summer that not a lot of people get so I consider myself a really lucky girl. I am very grateful for the opportunity.

post #4

The total of my future expenses each year are 30,000.  I know this is logical because my primary sources for information are  facts from aunt who is a doctor.

According to med rounds. org, I can likely count on making $ 205, 201 each year in my future job as a doctor.  My education/training to get that job will cost $140,000 total for all years of training.

I want to save $1,000 for my rainy day fund each year, and $ for retirement each year.  If I save $20,000 for retirement each year, by the time I am 65 years old I will have $ 1,300,000plus interest Comparing my future income and expenses makes me think…. a lot about my future. its going to be rough but nothing I cant do... eventually.

post #3

Majors I shall have

• Health assessment
• anatomy and physiology
• complex nursing

3 Jobs:

• physician assistant
• general practitioner
• registered nurse

physician assistant :

• average pay: 89,470
• salary differ on geo location: none all the same
• how much education required: bachelor degree
• personalities: wants to be in front line, "science whiz"

general practitioner:

• average pay: 177,330
• salary differ: more if in rural areas.
• personalities: self motivated, decision maker

registered nurse:

• average pay: 60,830
• salary: same all around
• personalities: very charismatic, quick decision maker 

post #2

Describe TWO EXAMPLES of how you used the Work Readiness Skills in your internship in a positive way, or in a way that supported success.  Describe the situation and what you learned.  Describe 1-2 examples of how your Work Readiness Skill weakness/area of growth held you back, or caused you to have to work harder.

positive example 1:  Well, since I was dedicated to my work, I got a really good review from my supervisors.
positive example 2:  I dressed pretty professionally and I got the residents to actually look up to me for assistance.

example 1: I didn't speak as loud as I should, since some of them had hearing and had some trouble communicating.

example 2:  that's it really...

Blog #5: Last Week

I am grateful for my privileged life, with the ability to play sports and hangout with friends in my free time, but also spend time with my family.  I am grateful for having all the amenities that many people in the world do not have.  This summer, I am so grateful that I finally got a job, because last summer that was my biggest regret, so I'm so glad I finally am working!  I think by being involved in this 6 week class, it motivated me to not only get a job, but also taught me so many necessary skills that will be extremely helpful in my future endeavors.  Not only did I improve some Work Readiness Skills, such as communicating well and working diligently, but also, through Waybook and the discoveries, I learned what some of my strengths are so I can key into those and use them to my benefit in the future.  I am generally terrible with technology, so this class also helped me learn how to use certain sites such as Google Sites and Waybook, as well as set up a profile on LinkedIn that will hopefully help me get out into the work world in college and after.  This class really helped me set up the foundation for my future and helped me to start thinking about what I will need to accomplish in order to be successful and achieve my goals in life.

Last Week Blog

I am very grateful for my family. Growing up in a loving family has molded me to be the person that I am and has given me the compassion and respect that I take pride in. I learned that I am very passionate about helping people and being that relatable person that they can come to and entrust in a work place. I loved this internship not only because of the amazing people, but to just be in such a welcoming working environment with friendly patients and employees. I loved being able to talk and laugh with the patients and help them get through even painful experiences. In this class, I loved all the blogging and use of the Waybook because it really helps you find yourself and your values by just being able to let your mind wonder and write as well as take the tests without the pressure of looking for the right answer. I am so thankful to have had this opportunity and to see the x-rays, help move patients, watch flouro-scans, and just be in the presence of such intelligent minds. This is an opportunity that I will never forget.

Blog #4: Future Lifestyle

• The total of my future expenses each year are $700,000.  I know this is logical because my primary sources for information are http://www.scotiamcleodgps.com/upload/documents/sample-financial-plan.pdf.
• According to http://www.bls.gov/ooh/healthcare/physician-assistants.htm, I can likely count on making $90,930 each year in my future job as a physician assistant.  My education/training to get that job will cost $170,000 total for all years of training.
• I want to save $10,000 for my rainy day fund each year, and $17,000 for retirement each year.  If I save $17,000 for retirement each year, by the time I am 65 years old I will have $816,000 plus interest.
• Comparing my future income and expenses makes me think about how I should start saving money now because it's never too early to save for the future.  Also, creating a budget and figuring out what you will need for the future in accordance to what you want helps you plan out what you need to accomplish in order to get there. It puts a greater picture in your head of what it will take to be as successful as you wish to be one day.

Week 4: My Future Lifestyle and Finance

• The total of my future expenses each year are around 42,000 a year. I know this is logical because my primary sources are my parents. This maybe different in the future because prices might change over time.
• According to http://criminalistsalary.com/CA/Greenbrae/salary/Criminal-Prosecutor-Salary, I can likely count on making $133,741 - $200,611 each year in my future job as a prosecutor. My education/ training to get that job will cost around $250,000.
• I want to save $7,000 a year for a rainy day fund each year and another $9,000 for retirement each year. If I save $9,000 for retirement each year by the time I am 65 years old I will have $360,000 plus interest.
• Comparing my future income and expenses makes me think that some of my expenses might be higher because I might have kids and I have to worry about my parents and their expenses in 10-15 years but, my expenses might be cut down if I have a husband and we split the household expenses.

FINANCIAL PLAN

-EACH YEAR I PLAN TO BE SPENDING ATLEAST 25000 AND I KNOW THIS BECAUSE I AM PLANNING MY BUSINESS DEGREE JOB AND I WILL BE EXPECTING DESCENT PAY
-ACCORDING TO MY INDICATIONS I CAN LITERALLY COUNT ON MAKING ATLEAST ABOUT 100,000 PER YEAR FOR MY FUTURE JOB AS A SOCIAL WORKER AND IT WILL COST ME ABOUT 4 TO 7 YEARS OF EXPERIENCE AND ABOUT 140,000 TO MAKE IT HAPPEN
-COMPARING MY FUTURE EXPENSES WILL MAKE IT EASIER TO REALIZE HOW TO LIMIT MY WANTINGS IN THE FUTRE

Financial Plan

My expenses each month will be around $800 to cover my social security, federal and state taxes, as well as medicare. This is based on a sample cost of living from Kiplinger. According to salary.com, I can make around $62,500 as a medical technician. Only a Bachelors degree is required and for this education of 4 years, it will take $200,000. I want to save $2,000 for my rainy day fund and $1,000 for retirement. If I save $1,000 for retirement each year, bu the time I am 65 years old I will have $65,000 plus interest. It makes me nervous to think about my future financial plan because there are so many variables that I cannot control in my future and so many necessary spending and unnecessary spending (which is the only thing I have to worry about now). I am afraid of the amount of organization I have to have to stay responsible with my money and how often I should monitor my finances and make sure that I stay on top of all the bills. It will be a lot to handle and remember.

Blog #4: Lifestyle in 10-15 years

The total of my future expenses each year are 72,940.  I know this is logical because my primary sources for information are family members with similar lobs/lifestyles, http://www.ca.gov/HomeFamily/Taxes.html.

According to http://www.indeed.com/salary/q-Clinical-Psychologist-l-Marin-County,-CA.html I can likely count on making $99,000 each year in my future job as a clinical psychologist (I used 50,000 on my spreadsheet because I found that number on a different website but this number seems more accurate to me for a clinical psychologist in Marin County.)  My education/training to get that job will cost $(couldn't find this information) total for all years of training.

I want to save $1,500 for my rainy day fund each year, and $5,000 for retirement each year.  If I save $5,000 for retirement each year, by the time I am 65 years old I will have $175,000 plus interest if I am starting at 30 years old.

Comparing my future income and expenses makes me scared and overwhelmed for the future when I actually have to take into consideration each of these things and pay taxes, etc. But I am glad that I am learning about them now to prepare for the future instead of jumping right into it clueless of the system.

What I am grateful for

       I am grateful for this oppurtunity to take this class. I learned a lot about financial planning that  I didn't know before as well as perfecting my resume and making a sample cover letter. I consider all of these to be useful skills that I will take with me when looking for prospective jobs. I am incredibly grateful for being able to work in a real working environtment where I got to see the beauty of actual medicine right before my eyes. I realized a lot of things about myself in these past couple weeks, it really was thanks to this internship and this class. I am so thankful I got this oppertunity because I know a lot of aspiring physicians will never even come close to working in a real hospital and doctors office until they are looking for a job. I do not think that the explorations ever really relfelcted me as a person or brought to light anything other than the fact that I might be autistic according to the biology results, (:/ oops) regardless the quizzes were still well worth it. 

Life Expenses

The total of my future expenses each year are roughly $50,000 per year. I know this is logical because according http://www.healthcareworkersalary.com/others/nutritionist-salary/, the information says that the top ten percentile of professional nutritionists/athletic trainers make 70k a year.

According to http://www.healthcareworkersalary.com/others/nutritionist-salary/, i can likely count on making 70k a year in my future job as a sports nutritionist. My education/training to get that job will cost $200,000 for all years of training and certification. I want to save $3,000 for my rainy day fund each year, and $2,000 for retirement each year. If I save $2,000 per year for retirement, by the time I am 65 years old I will have $96,000 dollars plus interest.

- Comparing my future income makes me think how carefully I must manage my budget, as well as possibly picking another profession or source of income to allow me to comfortable live the way I want to live without digging myself into debt. At the end, I only really save $3,000 for leisure time, which doesn't seem to "leisurely". Therefore, there are obvious material things that I would need to cut down on to keep some of the money and invest in a stock to help with finances. In addition, this budget was made without expenses of child care and education which causes me think how it can be possible to keep this job while trying to manage a family.

Life Expenses

• The total of my future expenses each year are around 50,000 according to my parents.  This will likely differ by the time I'm working at my career since as time goes on price changes.
• According to medscape.com I can likely count on making $285,000 each year in my future job as an oncologist.  My education/training to get that job will possibly cost close to a million dollars total for all years of training.
• I want to save 50,000 for my rainy day fund each year, and 75,000 for retirement each year.  If I save 75,000 for retirement each year, by the time I am 65 years old I will have $10,545,000 plus interest.
• Comparing my future income and expenses makes me think that I will be fine with my future expenses because I feel I have a lot of self-control over what I buy and won't make too many financial mistakes in the future. (hopefully)