Emergency Fund Ratio For households with dual-earners‚ like yours‚ we normally recommend you hold in cash or cash equivalents 3-6 months of fixed expenses. These fixed expenses are what would be left if you both lost your job. Certain expenses like: income taxes and contributions to retirement plans would not be included when calculating the size of your emergency fund. You currently hold 15x your expenses in cash and cash equivalents. Since both of you work‚ in addition to earning strip mall income
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Ferdinand Magellan: Explorer Extraordinaire Ferdinand Magellan was born in Sabrosa‚ Portugal in 1480. Magellan is a very prolific and successful explorer that was dedicated to his craft. Ferdinand had a passion for exploration from a young age‚ and was determined to become a great explorer‚ which he definitely accomplished. Ever since he was a young lad‚ Magellan was interested in navigation and exploration. At age 10‚ Ferdinand’s parents passed away and in the same year he became a page for
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Contribution Required Of Excess Insurer Where It Did Not Consent To Settlement In February‚ the California Court of Appeal ruled in Doe Run Resources Corp v. Fidelity & Casualty Co. of New York that an excess insurer did not have to contribute to the settlement where the insured failed to obtain its consent before signing the settlement agreement. The case involved a complaint filed in 2001 by residents of Herculaneum‚ Missouri alleging that the defendant mining-company‚ Doe Run’s‚ lead and cadium smelting
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5. Federal Funds Federal Funds represent the asset to lending bank and liability to borrowing bank. The loan in Federal funds is short-term loan. Usually‚ the loans are for one to seven days. These funds help the bank to correct short-tem fund imbalances. Federal funds rate is interest rate charged in the federal funds. It is same for all banks borrowing in federal funds market. Federal funds market more active on Wednesday because that is final day of each particular
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too frightened to obey him. Magellan found a passage through South America that is now named after him‚ but only by chance. When two of his ships were driven towards land in a storm‚ the men feared they would be dashed against the shore. Then‚ just in time‚ they spotted a small opening in the coastline. It was the passage for which they had been searching since they left home. He called the ocean the pacific because The Ocean was calm and peaceful when Magellan finally entered it. By now one
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Q5 Federal funds borrow money from a bank to another bank. The interest rate is the Fed funds rate. This rate is not set by anyone directly‚ but is determined by the market. Due to changes in supply and demand conditions‚ often change rate. Fed by adjusting the money supply to influence the federal funds rate. Q6 The Fed funds market let depository institutions reach the needs of short-term liquidity to other financial institutions. When they need short-term funds from the Fed funds market‚ it borrowed
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Question 1 1. Which type of health insurance pays part of all of the surgeon ’s fee for an operation Answer a. surgical expense b. hospital expenses c. physician ’s expense d. major medical expense 3 points Question 2 1. Health insurance typically includes Answer a. deductibles b. out-of-pocket limits c. co-payments d. all of the above 3 points Question 3 1. Driver classification includes information on a person ’s and is
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Lapu-Lapu (floruit-1521) was a ruler of Mactan‚ an island in the Visayas‚ Philippines‚ who is known as the first native of the archipelago to have resisted the Spanish colonization. He was also responsible for the death of Portuguese Explorer Ferdinand Magellan.[1] He is now regarded‚ retroactively‚ as the first Filipino hero.[2][3] He is also known under the names Çilapulapu‚[4] Si Lapulapu‚[5] Salip Pulaka‚[6][note 1] and Kali Pulako (alternatively spelled as Cali Pulaco)‚[7] though the historicity of
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always viewers that bring up the fidelity of the film to the original piece. Artistically‚ this raises the question of to what extent do we define originality. Robert Stam‚ the author of Beyond Fidelity: The Dialogics of Adaptation‚ pointed out that a film’s fidelity to a novel is an issue deemed by audiences to be moralistic‚ labeling a wrongful adaptation as a “betrayal” to the original piece and its readers (Stam‚ 2000). However‚ Stam analyzes this debate of fidelity and discusses the inevitability
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Mutual Funds Meredith Markham Managerial Finance Marc Lafond‚ MBA May 5‚ 2013 Mutual Funds There are many different people that can be considered investors. With so many different types of investors‚ it is only natural that there be a variety of types of mutual funds to invest in. “At last count there were more than 10‚000 mutual funds in North America” meaning there “are more mutual funds than stocks” (“Mutual Funds‚” n.d.). For this paper‚ we will focus on five types of mutual funds:
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