{"id":19075,"date":"2020-12-05T12:33:28","date_gmt":"2020-12-05T12:33:28","guid":{"rendered":"http:\/\/onlineclassesguru.com\/?p=19075"},"modified":"2020-12-05T12:33:28","modified_gmt":"2020-12-05T12:33:28","slug":"your-sister-is-a-recent-graduate-of-nursing-school-and-will-begin-her-job-at-a-local-medical-center-making-45000-per-year-she-is-unmarried-and-has-a-five-year-old-son-who-will-start-kindergarten-in","status":"publish","type":"post","link":"https:\/\/onlineclassesguru.com\/index.php\/2020\/12\/05\/your-sister-is-a-recent-graduate-of-nursing-school-and-will-begin-her-job-at-a-local-medical-center-making-45000-per-year-she-is-unmarried-and-has-a-five-year-old-son-who-will-start-kindergarten-in\/","title":{"rendered":"Your sister is a recent graduate of nursing school and will begin her job at a local medical center making $45,000 per year.She is unmarried and has a five year old son who will start kindergarten in the fall."},"content":{"rendered":"<style type=\"text\/css\"><\/style><h4>Your sister is a recent graduate of nursing school and will<br \/>\nbegin her job at a local medical center making $45,000 per year.She is unmarried and has a five year old son who will start<br \/>\nkindergarten in the fall.<\/h4>\n<p>She is unmarried and has a five year old son who will start<br \/>\nkindergarten in the fall. She is 33 years old. Together, she and<br \/>\nher son live in a rented apartment in Lakewood and she owns a 2001<br \/>\nToyota Camry. She has spoken to you recently and has expressed the<br \/>\nfollowing as her goals (not in an particular priority order):<br \/>\n\u2013 Save for retirement \u2013 Save for college education for her son \u2013<br \/>\nReduce debt \u2013 Buy a brand new car \u2013 Estate planning \u2013 Invest<br \/>\nwisely<br \/>\nFinancial information: Student loan balance \u2013 $14,000 Checking<br \/>\naccount balance \u2013 $518 Savings account balance \u2013 $800 (earning<br \/>\n1.5%) Value of Toyota Camry \u2013 $1,200 Credit card balance \u2013 $7,500<br \/>\n(18% interest rate) Child support received \u2013 $150 (monthly) Child<br \/>\ncare \u2013 $450 (monthly) Rent \u2013 $900 Food \u2013 $400 Utilities, cable,<br \/>\netc. \u2013 $200<br \/>\nInsurance information: She will be covered under the hospital<br \/>\nindemnity plan. There is a $200 deductible and provides 80\/20 major<br \/>\nmedical coverage and is paid entirely by her employer for both her<br \/>\nand her son. In addition, the hospital provides a term life<br \/>\ninsurance policy with a face amount of $10,000. The policy<br \/>\nbeneficiary is her son.<br \/>\nBesides the medical and life insurance described above, the only<br \/>\nother insurance she carries is on her car which provides the<br \/>\nminimum coverage in California and has a $250 deductible. The<br \/>\nannual premium is $400.<br \/>\nOther information:<\/p>\n<p>Currently, she has no retirement savings. The hospital has a<br \/>\n403(b) plan available with options for different mutual funds<br \/>\navailable through Vanguard.<br \/>\nShe has no will or health care directive.<br \/>\nShe will be in a 25% tax bracket for Federal purposes and an 8%<br \/>\nbracket for California. Based on the above information, prepare a<br \/>\nletter to your sister establishing a financial plan as follows: 1.<br \/>\nPrepare a statement of net worth (Balance Sheet) and current cash<br \/>\nflow. 2. Prepare a list of recommendations for her. (In your plan,<br \/>\nconsider retirement, insurance, housing, credit management, goal<br \/>\nsetting, emergency fund, transportation, education, and tax<br \/>\nplanning, and estate planning) 3. Prepare a spending plan for the<br \/>\nnext year showing her income and expenses as well as funding other<br \/>\ngoals she has established as appropriate. 4. Prepare an asset<br \/>\nallocation chart for her retirement contributions and why you<br \/>\nselected those..<\/p>\n<p><center><a href=\"http:\/\/onlineclassesguru.com\/orders\/ordernow\"><img decoding=\"async\" src=\"https:\/\/encrypted-tbn0.gstatic.com\/images?q=tbn:ANd9GcTyj99p60XCLyLk1htB7-1neRt8-2QdnenNlQ&usqp=CAU\"target=\"_http:\/\/onlineclassesguru.com\/orders\/ordernow\"\/><\/center><p>","protected":false},"excerpt":{"rendered":"<p>Your sister is a recent graduate of nursing school and will begin her job at a local medical center making $45,000 per year.She is unmarried and has a five year old son who will start kindergarten in the fall. She is unmarried and has a five year old son who will start kindergarten in the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19075","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your sister is a recent graduate of nursing school and will begin her job at a local medical center making $45,000 per year.She is unmarried and has a five year old son who will start kindergarten in the fall. - onlineclassesguru<\/title>\n<meta name=\"description\" content=\"Your sister is a recent graduate of nursing school and will begin her job at a local medical center making $45,000 per year.She is unmarried and has a five year old son who will start kindergarten in the fall.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/onlineclassesguru.com\/index.php\/2020\/12\/05\/your-sister-is-a-recent-graduate-of-nursing-school-and-will-begin-her-job-at-a-local-medical-center-making-45000-per-year-she-is-unmarried-and-has-a-five-year-old-son-who-will-start-kindergarten-in\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your sister is a recent graduate of nursing school and will begin her job at a local medical center making $45,000 per year.She is unmarried and has a five year old son who will start kindergarten in the fall. - 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