Financial planning

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1. A young couple (both age 30) come to a financial planner with the desire for assistance inimproving their family’s financial position. They have two healthy children, ages three and six. The husband is a foreman for a manufacturer of auto parts. His current salary is $30,000 per year. The wife is a marketing professor for a state university. Her current sal- ary is $40,000 per year. The couple recently purchased a riverfront home for $100,000 using their entire savings of $20,000 as a down payment. In addition to an $80,000 mort- gage, the couple’s only debt is an automobile loan having the balance of $12,000. Both husband and wife have very good family health insurance from their employers. The wife has employer-paid life insurance equal to two times her annual salary.

A. The couple wants to start an investment program as soon as possible. To correct the weak- ness in their financial planning before beginning the investment program, they should

1. Establish an emergency fund with stock mutual funds.

2. Start a college savings fund for the children.

3. Purchase disability insurance for the wife and the husband.

4. Prepare wills for the wife and the husband.

5. Secure credit life insurance for the auto loan.

a. (5) only

b. (1) and (2) only

c. (1) and (3) only

d. (3) and (4) only

B. When the couple are able to begin an investment program, they want to begin making investments for their retirement and their children’s education. All of the following ac- tions will help accomplish their goals in a tax-efficient manner except

1. Investing in individual Roth IRAs.

2. Investing through a 403(b) program for the wife. 

3. Investing in a growth and income mutual fund. 

4. Investing in education IRAs for each child.

2.  Harold and Mary Anne Miller are a married couple in their early 40s with three children, ages 7, 10, and 12. Harold earns $350,000 per year as General Counsel of a mid-sized IT firm and Mary Anne is a homemaker. They have major assets of $1,500,000 cash and $1,000,000 in stock options. They have done no estate planning. Harold has life insurance of two times his salary from his employer. Harold plans on working full-time until age 62. Harold has the potential to receive more options and restricted stock based on his compa- ny’s performance, but has requested that this not be included in his assets for now given the uncertainty. College planning is of great concern to the Millers, currently they have no plan in place. They estimate that they will need $150,000 for each child in current dollars to fund their education. The Millers have constructed a budget and have determined that their household expenses are $12,000 per month, after tax. Assume that the Millers are in the 35% tax bracket and 6% state bracket. 

Given the facts above, which is the most important piece of the plan that the Millers should implement first? 

a. Establish wills with guardianship
b. Exercise stock options
c. Diversify cash investments
d. Establish an irrevocable life insurance trust (ILIT)

 

Essay -2 pages

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originaltimely quality

Your textbook references Leonard White’s perspective in the article titled “Introduction to the Study of Public Administration.” White suggests that successful public administrators are effective at discerning public problems and providing effective and interesting solutions. Using CSU’s Online Library, identify a public (government or nonprofit) problem, and provide a narrative that reflects the practice and research of effective management. 

Your scenario should reference a local, national, or nonprofit incident that requires a public fix. Examples include enlarging a public park, expanding a public library, adding extra wings to a hospital to accommodate increased patient loads, building a new terminal for an expanding airline, adding nonprofit services for low-income families, and increasing mentoring services that support youth programs. After choosing your incident, your essay must include the components listed below. 

  • Provide some historical background. 
  • Identify key stakeholders involved. 
  • Identify the resources needed. 
  • Explain what challenges were overcome. 
  • Summarize the results. 
  • Identify any continued monitoring or oversight that is needed. 
  • Summarize the lessons learned regarding how the organization balanced institutional changes to solve the problem. 

Ensure your essay is at least two pages in length but is no longer than four pages in length, is double-spaced, and uses 12-point Times New Roman font with one-inch margins. Section headings are also encouraged to help organize your paper. 

Your essay must be written using APA format. Be sure to include a title page and a reference page, but please note that these will not count toward meeting the minimum page requirement. All sources used, including the textbook, must be cited. Title and reference pages do not count toward meeting the minimum page requirements. 

The purpose of this assignment is to gauge your understanding of the content, so focus on writing original content rather than simply regurgitating the textbook or other sources, whether by paraphrasing or using direct quotes. Paraphrasing is acceptable, but try to keep paraphrasing to a minimum. A good rule of thumb is to use 80% of your own work and to paraphrase 20% or less of the work of others.

BUS340 WRITING ASSIGNMENT: IRAC #1

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Use a newspaper, news magazine, or the internet (including articles posted on Canvas by instructor) to find a current article (if uncertain, please see the instructor to have your topic approved) related to business law to write about.  Briefly summarize your article and include some interesting facts or highlights. Lastly, and most importantly, discuss any concerns, issues, or thoughts you have about the subject matter raised in the article. This will be done by writing an IRAC (Issue, Rule, Analysis, Conclusion) about the article.

Topics for this IRAC include any one of these subjects: Ethics, Employment Law, Discrimination, or Sexual Harassment

IRAC Basics:

Summary – write a brief summary of the article or case (no more than one (1) page.  Four things to remember when writing a summary:

  • use your words and phrases, not the author’s
  • use key points only…no minute details.
  • represent the material accurately and fairly
  • cite your source!!!!!!!!

Issue(s) – are written in the form of questions!  These issues are questions one might ask regarding how the law applies to the article you have chosen.

Rules – are the laws/rules that the writer thinks may apply to the issues.

Analysis – is where the writer either proves or disproves the application of the rules to the issue question.  This is THE major focus of the paper….critical thinking must be applied.

Conclusion – will take one of two approaches.  First, if the court has decided the case, do you agree with the decision?  Why, or why not?  If the court has yet to make a decision, what do you think needs to be done, and why. Please note that the conclusion to this paper is different than with the Mini IRAC format.

There is no minimum or limitation to the length of the paper.  The writer’s approach is to be concise, organized, and complete in the presentation of the case. If you need any further clarification of this assignment, please make an appointment to see me during office hours.

Be sure to attach the news article/court case to your essay. If the article/case is not attached a score will not be given. The attachment can be in the form of a link to a web page.

EVALUATING AND SUSTAINING CHANGE FROM EBP

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Introduction

The ultimate goal of EBP is to create a culture of evidence in an organization or practice setting. This assignment enables you to finalize the steps of the EBP process in relation to a health care challenge and to incorporate the importance of interprofessional communication and collaboration to appropriately assess and address the health care needs of patients and to promote and advance the health of populations.

Instructions

Write a paper in which you complete the steps of the EBP process and promote a culture of evidence.

Paper Format and Length

Format your paper using APA style.

  • Use the APA Style Paper Template [DOCX]. An APA Style Paper Tutorial [DOCX] is also provided to help you in writing and formatting your paper. Be sure to include:
    • Title page and references page. An abstract is not required.
    • A running head on all pages.
    • Appropriate section headings.
  • Your paper should be 4–6 pages in length, not including the title page and references page.
Assignment Grading

The following requirements correspond to the scoring guide criteria, so be sure to address each point. Read the performance-level descriptions in the scoring guide for each criterion to see how your work will be assessed.

  • Analyze the outcomes of an evidence-based intervention (step 5 in the EBP process).
    • Restate the PICO(T) question from your Week 5 assignment, and provide a transition to Step 5 of the EBP process, after an evidence-based intervention was implemented and data related to the outcomes have been gathered.
    • Review the information provided in the Vila Health: Creating a Culture of Evidence multimedia simulation, showing results from 2020 (after the intervention) compared to baseline data from 2018 and 2019 (before the intervention).
    • Analyze both qualitative and quantitative outcomes.
  • Develop a continuing evaluation plan in relation to the outcomes from an evidence-based intervention (still part of Step 5 of the EBP process).
    • Discuss additional data that needs to be collected and methods for doing so.
      • Was the data collected sufficient to show whether the intervention was successful?
      • When, and how often, should the same or other data be collected to continue evaluating the intervention?
      • Justify your conclusions and recommendations.
  • Recommend strategies to disseminate outcomes and sustain the evidence-based practice improvements through collaboration with professionals in health care and other fields (Step 6 in the EBP process).
    • Strategies could include how to teach providers or staff about EBP, how to facilitate changes in attitudes and behaviors, and how to lead change.
    • Make recommendations about how the organization can create a culture of evidence.
    • What evidence do you have to support your recommendations?
  • Organize your writing so ideas flow logically, with smooth transitions.
  • Apply selected resources to improve your writing skills.
    • Include an appendix after your reference page in which you identify writing improvement tools or resources you’ve used, based upon feedback received during the course from Smarthinking and your instructor.
    • Include evidence of the use of such tools as the Personal Writing Assessment, MEAL plan, outlining, reverse outlining, and (or) other resources explaining the appropriate use of evidence.
    • Explain how you used these tools or resources to improve your writing for this assignment.

culture reality assignment

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Review the two picture books that are listed below. These books present cultural reality and authenticity.  Explain what elements or features in the book capture cultural reality.

Ask yourself these questions as you analyze the books:

Does the book respect the dignity of those depicted?

Does the book accurately poetry diversity?

Are dialects presented realistic, consistent, and appropriate?

Is the book biased and out-of-date?

What attitudes are encouraged?

Are photographs and illustrations stereotyped?

Are diverse individuals shown in a variety of roles, including positions of authority?

Use these questions to help you formulate (2) paragraphs (5-7 sentences each paragraph) about each book. Explain what elements in the book captured cultural reality and your opinions and feelings about the books? Some of the questions above may not be appropriate for each book. 

Grading Criteria

The assignment is graded on a 100 point scale.

Maximum points are given when:

First paragraph contains your analysis of each book referencing the questions listed are fully developed and explained.(15 points each book)

Second paragraph contains your thoughts, views, and opinions about each book. (15 points each book)

Points deducted for spelling and grammar. (3 points each book)

Resource 

Resource 

Rawles, C. (2010). Same Difference. Houston, TX: Book Surge

DePaola, T. (1996). Strega Nona, New York: Scholastic

2.5 Page Discussion Due within 3 hrs from now

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Identify a theory that uses a concept of interest to you that can be applied in research and nursing practice (clinical, education, or administration). This is a professional paper in which headings, full sentences, paragraphs, correct grammar and punctuation, and correct citation of sources are required. 

The theory you select will be the same theory used for each assignment in the future modules.

Theory Description: Please write theory of  care transitions  by Meleis.

Provide a brief description of the theory using an original source or as close to the original source as possible.   Include a brief discussion of the origins of the theory and the scope/level (grand, middle range, practice/situation specific) of the theory.  Identify the major concepts of the theory and discuss how they are related (propositions).  Pick two of the concepts, including your concept of interest, and state theoretical definitions of these concepts. 

Style & Format:

The paper will be written using APA standards. The paper will include a title page (using specified format), 3 pages of text, and a reference list.  It will be double-spaced, written in 12-point Times New Roman font, and have 1-inch margins.  Professional and orderly presentation of ideas (precision, clarity, format, headings, grammar, spelling, & punctuation) with appropriate citation of sources in text and reference list is required.  Up to 0.5 points will be deducted for each type of grammar, spelling, punctuation, or format error.

Submission Instructions:

Only primary sources and empirical research articles are to be used for this assignment. Secondary sources such as, textbooks, literature reviews, systematic reviews, dissertations and concept analyses are NOT to be used.

Submit as a Word document.

Assignment 4.2: APA Formatted Reference Page

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Step 1 Prepare the 7th edition APA References page.

Prepare Reference entries from the following information. Use the APA style unless your instructor specifies a different style. For titles, use italics. Arrange the finished entries in alphabetical order, not numbered:

  • A journal article titled “Networking the Classroom” by Christopher Conte. The article appears in volume 5 of CQ Researcher, a journal that pages issues continuously throughout each annual volume. Volume 5 is dated 2004. The article runs from page 923 to page 943.
  • A government document you consulted on November 12, 2005, over the Internet. The author is the National Center for Education Statistics, an agency within the United States Department of Education. The title of the document is Internet Access in U.S. Public Schools and Classrooms.
  • A book called Failure to Connect: How Computers Affect Our Children’s Minds For Better and Worse, written by Jane M. Healy and published in 2000 by Simon & Schuster in New York.
  • An article in the October 9, 2004, issue of the magazine The Nation titled ” The Threat to the Net.” The article is by Jeff Chester and appears on pages 6 to 7 of the magazine. You found it through Polk Library at Southeast State University on November 14, 2005, using the database Expanded Academic ASAP from the service InfoTrac.
  • A pamphlet titled Bridging the Digital Divide, with no named author. It was published in 2005 by the ALA in Chicago.
  • An article titled ” MyPyramid.gov: Achieving E-Health for All?” The website is sponsored by the Benton Foundation. The article is by Andy Carvin and is dated February 22, 2005. You found it on November 10, 2005.
  • An e-mail interview you conducted with Mary McArthur on October 31, 2005.

Accommodations and Transpor

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The planning of accommodations and transportation often go together since one usually cannot be done without the other. Oftentimes, the venue for an event also has overnight accommodations, such as those offered by conference centers and resorts. However, if there are no flights available, and the guests are coming from some distance away, the chosen accommodations and thus the site will be of no use to the event planner since the guests have no way of getting there. Conversely, sometimes associations book up an entire city’s hotel rooms for a citywide event. This means that even though there are flights, there are no accommodations. This is most likely to happen in the high season for that location. An example would be Miami, Florida, in February, when everyone wants to go where it is warm. Thus, many event planners try for out-of-season locations so they can get lower pricing and availability for flights and accommodations.

Topic: Accommodations and Transportation:

Scenario: The event planner is tasked with booking the accommodations for a 2-week corporate training session on a modest budget for 50 managers in a suburban location.

  • What type of accommodations might the event planner consider?
  • What would be the advantages and disadvantages of your suggested type of accommodations?
  • What ground transportation will be needed to transport attendees to the training site? (Make sure to include provisions for late arrivals, people with disabilities, and very important people — VIPs.)

Case Law

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Please reply to the post below.

 

1-Under the Bankruptcy Code after the reform act, what must Janet do before filing a petition for relief under Chapter 7?

Before the application for chapter 7 bankruptcy, Janet has to receive credit counseling. Janet will need to show proof that she got counseling from an approved nonprofit agency. Credit counseling should be done within 180 days before the application of voluntary bankruptcy (Miller, 2018).

2-How much time does Janet have after filing the bankruptcy petition to submit the required schedules? What happens if Janet does not meet the deadline?

Jane will have 21 days to submit all the required schedules. If Janet does not meet the deadline she will have to start the process all over again. Jane has to pass some other qualifications as well (Miller, 2018). 
3-Assume that Janet files a petition under Chapter 7. Further assume that the median family income in the state in which Janet lives is $49,300. What steps would a court take to determine whether Janet’s petition is presumed to be substantial abuse under the means test?

The firsts test is the bankruptcy test where the income of Jane will be compared with the country’s median income. If Jane does not pass the test then she will not be eligible for the application. The means test is meant to determine Jane’s eligibility for government assistance. The test will allow Jane to reduce their monthly income by subtracting the necessary expenses.

4-Suppose the court determines that no presumption of substantial abuse applies in Janet’s case. Nevertheless, the court finds that Janet does have the ability to pay at least a portion of the medical bills out of her disposable income. What would the court likely order in that situation?

The test will help in calculating whether Jane has any money that is left with her at the end of the month to pay off the debts after paying off the necessary expenses. If the court finds that Jane is able to pay off the debts then the court should order that Jane is not declared bankrupt and that she does have to pay off all the debts.

Debate

Individuals and couples should not be forced to pay off debts but should rather be given a chance to file bankruptcy. Most of the people’s income is not sufficient enough to pay off debts and meet their necessities. Subjecting them to paying off the debts will mean diminishing their quality of life to a level where they are not able to meet the basic needs. Unless one is capable of paying debts a chance to apply for voluntary bankruptcy should be granted to them. Under the chapter 7 of the bankruptcy code individuals qualify for the relief on paying loans as long as they pass the means test.

References

Miller, R. L. (2018). Business Law Today, Comprehensive. Nelson Education.

Snapshot

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 In this assignment, you will be identifying behavior characteristics of specific disabilities. More specifically, you will be reading case studies provided in the class text by Cohen and Spenciner (2009) to gain a further understanding of different disabilities you may come into contact with in the special educator profession. 

 Chapters 2 and 3 of the course text by Cohen and Spenciner (2009) provide numerous “Snapshots” of real students and their parents/caregivers. For this assignment, you will choose one Snapshot to review and discuss:  

  • Keisha- Intellectual Disability (p. 74)

 

The written assignment needs to include the following areas of content:

  • Describe the student’s special abilities (strengths) as well as needs (areas of growth). This would also be considered a description of the student’s present levels of performance.
  • Identify characteristics which are typical of students with this specific disability. What characteristics were typical of the individual student?
  • Analyze how you think the student’s behavior and social skills would impact her success in the classroom. What components of positive behavior supports might be utilized to support those skills?

The Snapshot paper

  • Must be two to three double-spaced pages in length (not including title and references pages) and formatted according to APA style as outlined in the Writing Center (Links to an external site.).
  • Must include a separate title page with the following:
    • Title of paper
    • Student’s name
    • Course name and number
    • Instructor’s name
    • Date submitted
  • Must use at least two scholarly sources in addition to the course text.
  • Must document all sources in APA style as outlined in the Writing Center.
  • Must include a separate references page that is formatted according to APA style as outlined in the Writing Center.
  • Exhibit meticulous use of grammar, spelling, organization, and usage throughout your submission.

 

Text

Cohen, L. G., & Spenciner, L. J. (2009). Teaching students with mild and moderate disabilities: Research-based practices (2nd ed.). Upper Saddle River, NJ: Pearson Education.

  • This text is a Constellation™ course digital materials (CDM) title.

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