2. How much life insurance do you need? Calculating needs - Part1

Jim and Kim Cuttner are 52 years old and have one son, age 14. Jim is the primary earner, making $80,000 per year. Kim does not currently work. The Cuttners have decided to use the needs analysis method to calculate the value of a life insurance policy that would provide for Kim and their son in the event of Jim’s death.

Jim and Kim estimate that while their son is still living at home, monthly living expenses for Kim and their child will be about $3,300 (in current dollars). After their son leaves for college in 4 years, Kim will need a monthly income of $2,750 until she retires at age 65. The Cuttners estimate Kim’s living expenses after 65 will only be $2,300 a month. The life expectancy of a woman Kim’s age is 87 years, so the Cuttner family calculates that Kim will spend about 22 years in retirement.

Using this information, complete the first portion of the needs analysis worksheet to estimate their total living expenses.

Life Insurance Needs Analysis Worksheet

In addition to these monthly expenses, other future outlays must be accounted for. Before they had a child, Kim worked as a real estate agent, but her knowledge and skills are now somewhat outdated. Therefore, they include $25,000 for Kim to go back to school. Additionally, Jim and Kim want to create a college fund of $30,000 to fund their child’s college education. They estimate that final expenses (funeral costs and estate taxes) will amount to $12,000. Finally, they have taken out a loan for home improvements of $130,000 and an automobile loan of $5,000. They own their home but still have an outstanding mortgage of $300,000.

Using this information, complete the next portion of Step 1 to determine the total financial resources needed.

Explain how our course, ACCT 220 Principles of Accounting, also known as Financial Accounting, relates to your academic and career goals. The course objectives are listed below to help you consider this question.

Course Objectives:

• define the fundamental principles of accounting to describe basic business transactions
• identify and analyze basic business transactions to record them in an accounting information system
• prepare financial statements and documents in the appropriate format
• identify and communicate with users of accounting and financial information to facilitate analytical decision making

Identify three specific nursing intervention that are relevant for the person and their chronic health problem heart failure and state how and when the intervention implemented, why the intervention is implemented and expected outcome related to the intervention.

Conduct an academic search of literature and identify current best practices associates with one nursing intervention for the person’s heart failure

Describe three strategies that activity involves the person to self-manage their Heart failure

Identify two supporting agencies/ health professionals that are currently contributing to the care of person’s individual needs (heart failure)

Many Indigenous peoples in Canada have poorer health when compared to other cultural groups. As such, there is an obligation of health and academic institutions to support research with Indigenous peoples in an attempt to eliminate these health disparities. It is common, however, for Indigenous peoples to have concerns about health research conducted by 'outsiders' in their community.

• List three potential issues you might encounter when trying to conduct research in an Indigenous community.
• Choose one of these and include a possible solution to this issue.  

Please give another point of view?

This week, you have read about the rhetorical appeals of credibility, reason, and emotion and the role of information literacy in responsible research. For your initial post this week, find a current event article from a reputable news outlet and provide an academic summary. In your summary, you must include the following.

• A summary of the central idea or argument of the article
• An explanation of the topic
• An analysis of how the appeals of credibility, reason, and emotion operate in the article
• A paraphrase of at least one example used in the article
• An APA citation of the article

Discuss any concept from Deidre McCloskey. You need to CLEARLY identify the source (i.e. name of the book and page, or link of the video and time, or name and link of the website). It is preferred that you use academic resources or books from the library. What prompted Deidre McCloskey to develop the idea that you chose? How would you use this concept to explain an observation in your life, an historical event, a cultural norm or institution, a local/international problem, create a solution to an environmental issues, or to create a business opportunity?

Discuss any concept from Deidre McCloskey. You need to CLEARLY identify the source (i.e. name of the book and page, or link of the video and time, or name and link of the website). It is preferred that you use academic resources or books from the library.

What prompted Deidre McCloskey to develop the idea that you chose?
How would you use this concept to explain an observation in your life, an historical event, a cultural norm or institution, a local/international problem, create a solution to an environmental issues, or to create a business opportunity?

How can teachers involve ELL parents among low-income families in their child's education to improve academic performance in school?

Can you provide feedback if this is a good research question?

Here's the assignment link: https://calu.desire2learn.com/content/enforced1/2230676-10483.201810/ACTION-RESEARCH-STEP1-PLANNING-LIMITING-THE-TOPIC-SP18.pdf  

I used the following resources to help me write the research question above.

Tutorial: https://www.youtube.com/watch?v=1oJNO6PYZe4  

https://cirt.gcu.edu/research/developmentresources/tutorials/question

Please answer following BOTH questions for THUMBS UP:-

1) Taking the Roman Coliseum as an example, describe how modern cost management accounting could be applied to a current attempt to recreate this structure. Be creative in your discussion. Add images to your answer.

2) How can budgeting be viewed as a choice process? Find a cartoon/comic strip image on the Internet to illustrate your discussion. Explain the relevance of this image to your answer. Find and use at least one academic article relevant to your discussion.