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Tayler Schwager

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Tayler Schwager

on 26 May 2016

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Transcript of Tayler Schwager

Salary
Education
Skills
Experience
Hours
Education:
Average:
High:
$54,120
$83,910
$39,974
Bachelor's Degree in Elementary Education from Northern Iowa Community College
Graduated from Bellevue High School in 2017
I have a 6% (as fast as average) likelihood of getting hired as an Elementary Education Teacher.
Teaching
Go
Comets
Comets
Elementary Education
at Bellevue Community District

The Professional Life of
Tayler Schwager
Entry Level:
Full Single Insurance
Family Plan (Dental/Life)
Work 190 Day Contract
2 Personal Days (Borrow Ahead)
Paid Holidays (Christmas, New Years, Thanksgiving, Memorial Day, Labor Day, ect.
Coach/Sponsor = Extra Money (Schedule B)
Varsity pays better than Junior High
NICC: $15,011
UNI: $19,137
Cost of College
Unit 4 Spelling Test - Monday
Benefits
NICC Loan Summary
Loan Balance: $30,000.00
Loan Interest Rate: 7.5%
Loan Term: 10 years
Minimum Payment: $50.00
Degree Program: Associate's Degree
Total Years in College: 2 years
Average Debt Per Year: $15,000.00
Monthly Loan Payment: $356.11
Number of Payments: 120
Cumulative Payments: $42,732.37
Total Interest Paid: $12,732.37

UNI Loan Summary
Loan Balance: $57,000.00
Loan Interest Rate: 7.5%
Loan Term: 25 years
Minimum Payment: $50.00
Degree Program: Bachelor's Degree
Total Years in College: 5
Average Debt Per Year: $19,000.00
Monthly Loan Payment: $421.22
Number of Payments: 301
Cumulative Payments: $126,370.39
Total Interest Paid: $69,370.39
Housing
106 East Main Street
Bellevue, Iowa 52031
Features
Utilities Present: Public water, public sewer, and gas
Hot water
Cooling Features: Window Unit
Fireplace
Room Description
2 stories
2 full baths
12x23 living room
Partial basement
2 car garage
Payment Summary
Home Price: $94,900.00
Down Payment: 20%
- $18,980
Mortgage Loan Type: 20 Years Fixed
- 3.590%
$580 per month
Principal and Interest: $444
Property Tax: $110
Home Insurance: $26
Teacher Hours: 8:00-3:10
Coaches/Sponsors:
3:30/4:00-6:00
Monthly Costs
Wifi: $30 per month
Netflix: $8 per month
Cell Phone: $75 per month
Gas: $40-$50 per month (varies)
Electric: $80 per month
Water/sewer: $50 per month
Heat: $70 per month
Trash: $30 per month
School Payments
House Details
Furniture
Dish Set - $50
TV - home
Bed/Bed Frame - home
Couch - $300
Refrigerator - $1200
---------------------------------
Total - $1,550
Emergency Savings and Retirement
Put $500 in separate account for emergencies ONLY
IPERS
Bank
Bellevue State Bank:
No minimum balance
Free ATM
Mobile Banking
Rainy Day Savers Club
Fidelity Bank
No minimum balance
Free ATM
Mobile Banking
Dupaco
$5.00 minimum balance
Free ATM
Online Banking
Credit Score
Definition - a number assigned to a person that indicates to lenders their capacity to repay a loan.
How to keep track of a credit score - you can find out your credit score when you take out a loan or a mortgage or you can use myFICO or there is credit bureaus
How to keep credit score high - keep credit card balances low, pay off debt instead of moving it around, and pay down your revolving credit card debt
I would choose Visa/MasterCard for my credit card. Most places only accept Visa/MasterCards
Full transcript