Amount of life insurance to purchase Research Paper

Amount of life insurance to purchase - Research Paper Example 4. Estimate future income needs. 5. Anticipate special needs. This review follows these steps to a life insurance value. I am a 30-year-old man with a wife, same age, and two children, ages 2 and 4. I enjoy a good job paying $50,000 per year, and my wife earns $30,000. Our net take home pay is about $40,000 after all deductions. If I should die early, I want my wife to be able to stay at home and parent the children full time. We have managed to save $25,000 cash in checking and savings accounts. We have a portfolio of mutual funds, $48,000, securities, $10,000, IRAs, $6,000, and a 401K with $6,000. Our total liquid assets are $95,000. Currently, I have three times earnings as a life insurance benefit at work and a $10,000 pension death benefit for a total in force life insurance of $160,000. Upon my death, my wife would have liquid assets of $255,000. My death would cost $7,500 in funeral expenses, $5,000 deductible for medical insurance, $22,000 to clear our installment debts and a bout $3,000 in probate costs. These costs total $37,500; so the liquid assets decrease to $217,500. Insurance must replace all of our income for my wife to stay home. An after death adjustment period of two years costs about 150% of normal earnings for a total of $120,000. The children will be dependent for another 20 years.

Write a Dance Performance Critique Essay Example | Topics and Well Written Essays - 500 words

Write a Dance Performance Critique - Essay Example Black and white was the theme of the dance. The aim was to create the classical aspect of the dance. The dancers utilized this theme and created systematic movement that resembled the classical belle and tango dancers. The amateur completion offered more than expected. The diverse nature of the dancers created a connection between the classical music and dance and the modern aspects of dances. Most of the dancers fused these two themes to create a masterpiece much to the delight of the audience. The color background and music fused well with the dance routine hence creating the classical illusion. The focus was on the young pair with black and white Leotards. The pair represented the classical theme through their basic dance routines. The young pair was effective with the legs and hand movement hence creating a unique chemistry. The themes where accompanied by music and costumes. The music failed to represent the main theme. The tango routines where interrupted by quick music provide for by the event organizers. The time allocated to each dance routine was long hence did not match the length of the songs being played. The lack of life performance meant that the dancers depended on recorded music in their routines. The Black and white theme was effective and dancers had to adhere to the costumes recommended by event organizers. The uniformity of costume meant that constants were to be judged based on their abilities rather that overall appearance. Ability in this case meant finding a pair that understands the theme and their knowledge in presenting a masterpiece. The efforts by the dancers were exceptional given the conditions provided for by the event organizers. However, most of the dancers failed to acknowledge diversity in their dance routines. In conclusion, the dance competitions offered diversity in the manner in which