I am recommending additional life insurance for Alan and possibly Elyse per the below information that you provided in our initial meeting. In my very basic review and I recommend that Alan buy an additional $950,000 whole life policy with $1,500 annual premiums. This was chosen by evaluating Alan’s future lifetime earnings. In future meetings we will need to gather more information about your future expenses so I can do a more thorough review of your life insurance needs.
In this essay Addison made some very strong points in the defense of community colleges of America, but there is one point that Addison didn’t emphasize on, and that is the price point. Addison mentioned price very briefly by stating that community colleges offer “a network of affordable future” (213). I believe if she had made the price of college a pillar of her essay it would have not only made community college a better college experience alternative but also a more affordable one. Community college is sometimes so cheap it is free!
Money is the basis of living , even people with lower income degrees could support themselves before the cost of tuition went up drastically. However, when you add student loans in the mix , debt over takes the standard of living. Ellison has heavy focus on this because he wants to highlight a big reason why free tuition can be beneficial for people in the long run. He believes if free tuition was put in place , every college graduate, lower income or higher income, will be able to live within their
Since Marcy is wealthier than her sick husband she should consider gifting her property to her ill husband, Phil. In that way Phil’s estate is good enough for the estate tax exemption equivalent provided by the unified credit, or else it will be wasted. Marcy’s gift to her husband would be considered tax-free because of the unlimited marital deduction. In the event Phil would die, no estate tax would be payable because his estate tax liability will not exceed the unified credit. Moreover, Phil must not transfer the assets/property back to Marcy at death, so that he can take full advantage of his unified credit, otherwise his unified credit would be wasted.
Such evidence includes “Economic Refugee” which are known as “people fleeing their homeland as a result of economic insecurity” (23). By providing this linguistic framing, it allows the authors to develop their reasons for keeping the use of frames in debate. The reasons provided are built upon the definition the frame evokes, rather than being negative, the definitions of the new frames are positive. Ferguson and Lakoff provide the reason for such linguistic framing in that “refugees are worthy of compassion” (23), and such use will allow a more civilized debate. By providing a more humanitarian approach to debate, as the authors suggest, it will allow for more solutions that do not attack the individual.
It is clear, then, that the U.S. is largely responsible for the current migration patterns. Still, there are those who oppose the legalization of DREAM Act for many valid but biased reasons. One claim is that the Act rewards illegal behavior and essentially grants amnesty. However, the potential beneficiaries of the Act received their immigration status from their parents while they were very young, their immigration being involuntary, so they should be able to contribute back to the only country they know.
In order to improve their situation in this segment they may ignore the market share of this segment just focus the profitability part of it, they may create a sub-brand or they may withdraw their actual brand name and create an alternative brand name for only this segment. The last option was the most attractive; they either drop the B&D name from this segment or create a new one, or they provide a brand name which is backed by B&D. Between these options the most implementable one is creating a brand name which is backed by B&D. RECOMMENDATIONS A) A statement of the quantitative and qualitative marketing objectives Black and Decker has a good position in the market and at quantitative market object their market share and revenues are high.
One reason that investors like to invest in commercial properties is because of the potential short-term and long-term financial benefits. In the short term the property can produce a better cash flow for the use of the property, with in the long term the property can appreciate in value which in the long term could be of value to you upon selling the property. In most cases investing in commercial properties has a lot less risk involved then in some other types a real estate. As for example, if you purchase a strip mall or maybe apartment building, the risk of you investing in those properties is divided up between your renters, and even though you may not have all units rented, you are still getting return on your investment in still making money. Another factor to consider is a large amount of different types of properties that you can invest in.
In addition, when buyers own the strata title, he/she have the right to sell out the property without getting the consent from the developer. Strata title is the vital parts of a condominium property. It has provided great convenience to the condominium buyers. Without strata
With a deduction of 30% (due to taxes) I would be making about $54,250 a year which is about $4,520 each month. Within the first year of my career, I plan on renting a home until I settle down and decide to buy a house with my husband, which won’t happen for a couple of years. Housing will be about 30% of my monthly income which will pay for housing and utilities. This will be about $1,300 a month. My fixed expenses, including car insurance, phone bill, internet/cable and paying back student loans, will all be about 17% of my monthly income which is about $750.
After an annual $100 deductible per person, the Fund will cover 80% of the cost for covered items provided the expense is reasonable and customary. There is a maximum payment of $5,000 per person in any calendar year. The following items are covered under this benefit: Emergency ambulance/nonemergency ambulance or ambulette if medically necessary ($2,500
8) If the ownership and use test has been met or the exclusion has already been taken with the past two years, the taxpayer may qualify for a reduced gain exclusion. 9) Tax rules vary for personal-use, rental, or dwelling units used as home property, which is determined based on the number of days rented versus the number of personal use days. 10) Although the gain exclusion can be advantageous and residence automatically qualify if the necessary tests are met, the taxpayer may want to elect out if they anticipate the sale of another home (that would also qualify) to yeild a larger
For the sake of this assignment I am going to assume that Seth and Marie are living at home with their parents and this will be their first apartment together. By moving in together instead of getting separate apartments they will be splitting the expenses and saving money. First off, they should realize “Money produces more unnecessary conflict and worry than almost anything else” (Ellis, 2015). It isn’t stated if Seth and Marie will be combining their money or keeping it separate. Either way, conflicts regarding money are bound to happen.
But as a whole, I disagree with what Plotz’s discussed in his article, he argues that “Losing privacy has made it much cheaper to use a credit card, or buy a house”(Plotz, 69). I believe many would rather have their more privacy on financial matters than lower credit cards rates and having it be easier to purchase a home. Further, this quotes puts others opinions and motives in perspective. “The first flaw of privacy: People care a great deal about their own, but not all about anyone else’s.