¡A Presentar en Español!
Prepare: To prepare for this activity, review the vocabulary and grammar explanations from Capítulo 4. Continue to practice conjugating verbs in the present tense, to ask and answer questions, and to familiarize yourself with the vocabulary by completing several of the assigned practice activities in MySpanishLab.
Reflect: What makes your city unique? What kinds of things do you and your friends enjoy doing on the weekends? Can you convey what you think will happen in the future? When was the last time that you wrote a postcard? What picture would make a perfect postcard for your city or town?
Write: Choose one of the following activities to use for your initial response.
· Activity #1: In Capítulo 4 of your primary text, explore activity 4-20 Qué Será, Será… (p. 148). Use the ir + a + infinitive construction to predict the future for yourself, your friends, your family, famous people, and so forth.
Write five predictions of what will occur in the future for five different subjects (e.g., your children, the president of the United States, you, etc.). Consult page 148 for a model.
· Activity #2: In Capítulo 4 of your primary text, explore activity 4-38 Una Tarjeta Postal (A Postcard) (p. 159). Write a postcard highlighting different things in your city or town. See if you can convince your classmates to visit!
Use the following questions to organize your ideas. Write at least five complete sentences. Consult the model on page 159 of your primary text if needed.
· ¿Qué lugares hay en tu pueblo o ciudad?
· ¿Por qué son importantes o interesantes?
· Normalmente, ¿qué haces allí?
· ¿Adónde vas los fines de semana?
· ¿Qué te gusta de tu pueblo o de tu ciudad?
· Activity #3: In Capítulo 4 of your primary text, explore activity 4-22 En Tu Opinión (p. 150). Complete the following sentences about volunteer work. Be sure to follow up with additional details to give the reader a clear description of your opinion. Refer to the model on page 150.
· Yo (no) soy un/a consejero/a perfecto/a porque…
· Dos trabajos voluntarios que me gustan son …
· Hay muchas residencias de ancianos en los Estados Unidos porque…
· Yo apoyo al candidato __________ porque . . .
· Cuando repartes comidas, puedes . . .
Respond to Peers: Read through your classmates’ posts. Choose two different posts, and ask one question to each classmate, in Spanish, to elicit more information (Due by Day 5). Also, respond to one of the questions posed by your classmates in response to your initial post (Due by Day 5).
Note: You will have a minimum of four posts, in Spanish, in this forum:
· Your initial post (Due by Day 3)
· A question posed to classmate 1 (Due by Day 5)
· A question posed to classmate 2 (Due by Day 5)
· An answer to a question posed by a classmate in response to your initial post (Due by Day 7)
Tips for success:
· Post your initial response by Day 3. If you post late, you may not have a question from a classmate to respond to in order to fu.
Invention and OrganizationThis week’s assignment is intended t.docxnormanibarber20063
Invention and Organization
This week’s assignment is intended to help get you started on the persuasive essay we will be working on throughout the remainder of this course. Before getting started on this assignment, it might be beneficial for you to read the criteria for the Week Six Persuasive Essay.
For this week, we will be practicing topic selection and outlining. Because this is preparation for next week’s persuasive essay, you will need to start by picking a topic that is persuasive. This topic must meet the following criteria:
· Arguable (are there at least two logical, yet opposite ways to look at the issue? Are there at least two sides?)
· Solvable (i.e. avoid religious, moral, or politically charged topics)
· Manageable (keep your topic focused and specific)
Think of a specific problem or issue that you are interested in researching and writing an essay about. This issue should be argumentative in nature, so the topic that you choose should have an equally valid opposing viewpoint.
An example of an appropriate topic would be this:
A specific community is debating an ordinance banning the ownership of pit bulls. Some residents agree that pit bulls should be banned, while others disagree with this position (there is plenty of research to back up either side of the argument).
Your job from there will be to explore the issue, look at both sides of the argument as completely as you can, and take a side. Your essay will be an attempt to convince others to join you in your decision.
Directions
1 Look up and read the following article in the EBSCOhost Database:
2 Step-by-step through the writing process. (2007). Writing, 30. 1-8.
3 (Note: You do not need to answer any of the questions from the reading in your assignment).
4 Read and respond to EACH of the following questions and submit them and your outline in a single document (both parts must be completed).
Part One: Topic Search
For the first part of this assignment, consider the following three questions:
1 What issue or problem would you like to write about? Illegal Immigration
2 Choose a side. What is your view on the issue? What is the opposing view? I oppose having a direct pathway for illegal immigrants to US citizenship
3 What specific change might fix this issue? Enforce current policies and laws that are in place
Then, freewrite for 10-15 minutes about the topic you have chosen. Share all of the reasons you can think of for why your problem needs to be fixed. Do not worry about grammar, spelling, or format. Do not edit. Write what comes to mind. Do not research yet. If you are stumped and cannot write what you know for 10-15 minutes, go back to #1 and start with a new topic.
Part Two: The Outline
Draft an informal outline for your upcoming persuasive paper. Do not include quotations or paraphrased material. Your outline should be built from your current knowledge of the topic. You can refine this later when you conduct your research.
Basic Outline for a Five Paragrap.
Invention and OrganizationThis week’s assignment is intended t.docxnormanibarber20063
Invention and Organization
This week’s assignment is intended to help get you started on the persuasive essay we will be working on throughout the remainder of this course. Before getting started on this assignment, it might be beneficial for you to read the criteria for the Week Six Persuasive Essay.
For this week, we will be practicing topic selection and outlining. Because this is preparation for next week’s persuasive essay, you will need to start by picking a topic that is persuasive. This topic must meet the following criteria:
· Arguable (are there at least two logical, yet opposite ways to look at the issue? Are there at least two sides?)
· Solvable (i.e. avoid religious, moral, or politically charged topics)
· Manageable (keep your topic focused and specific)
Think of a specific problem or issue that you are interested in researching and writing an essay about. This issue should be argumentative in nature, so the topic that you choose should have an equally valid opposing viewpoint.
An example of an appropriate topic would be this:
A specific community is debating an ordinance banning the ownership of pit bulls. Some residents agree that pit bulls should be banned, while others disagree with this position (there is plenty of research to back up either side of the argument).
Your job from there will be to explore the issue, look at both sides of the argument as completely as you can, and take a side. Your essay will be an attempt to convince others to join you in your decision.
Directions
1 Look up and read the following article in the EBSCOhost Database:
2 Step-by-step through the writing process. (2007). Writing, 30. 1-8.
3 (Note: You do not need to answer any of the questions from the reading in your assignment).
4 Read and respond to EACH of the following questions and submit them and your outline in a single document (both parts must be completed).
Part One: Topic Search
For the first part of this assignment, consider the following three questions:
1 What issue or problem would you like to write about? Illegal Immigration
2 Choose a side. What is your view on the issue? What is the opposing view? I oppose having a direct pathway for illegal immigrants to US citizenship
3 What specific change might fix this issue? Enforce current policies and laws that are in place
Then, freewrite for 10-15 minutes about the topic you have chosen. Share all of the reasons you can think of for why your problem needs to be fixed. Do not worry about grammar, spelling, or format. Do not edit. Write what comes to mind. Do not research yet. If you are stumped and cannot write what you know for 10-15 minutes, go back to #1 and start with a new topic.
Part Two: The Outline
Draft an informal outline for your upcoming persuasive paper. Do not include quotations or paraphrased material. Your outline should be built from your current knowledge of the topic. You can refine this later when you conduct your research.
Basic Outline for a Five Paragrap.
O r g a n i z e Y o u r S p e e c h Organizing a speech is.docxhopeaustin33688
O r g a n i z e Y o u r S p e e c h
Organizing a speech is similar to writing an essay. Every essay must have
an introductory paragraph, a body, and a concluding paragraph A speech
has the same three divisions: an introduction, a body, and a conclusion. T o
determine whether your ideas are clearly organized and easy to follow, you
must consider the organization of each of these three parts of your speech.
Organize Your Speech Introduction. Though usually brief, your speech
introduction serves five vital functions. First, it focuses the audience's atten-
tion on your message. You want to command their attention with your first
words. How can you do this? Question your audience, amuse them, arouse
their curiosity about your subject, or stimulate their imaginations.
Second, your introduction should clarify your topic or your purpose in
speaking. If your listeners are confused about your exact topic, you limit
their ability to listen actively. To minimize any chances of this, state your
purpose clearly in a well-worded sentence.
A third function of your introduction is to establish the significance
of your topic or to explain your interest in it. Fourth, your introduction
should help establish your credibility as a speaker on that topic. Reveal
any special qualifications you have for speaking on the topic, and use your
words, voice, and body to instill confidence in your listeners that you have
prepared thoroughly. Finally, your introduction should highlight or pre-
view the aspects of your subject that you will discuss in the body. Well-
planned and well-delivered opening remarks will make the audience want
to listen and will prepare them for what comes next. To check the integrity
of your speech introduction, answer the following questions:
What are the parts of my introduction?
• What is my attention getter?
• What is my statement of purpose?
• What rationale do I provide for speaking about this topic?
• How do I establish my credibility to speak on this topic?
• What are the points I will cover in my speech?
Organize the Body of Your Speech. The body of your speech is its
longest, most substantial scction. Though it follows your introduction, you
should prepare the body of your speech first. Here you introduce your
key ideas and support or explain each one. You should develop only two
or three main ideas in a first speech, because you can more easily develop
them within your time limit. Your audience will also more easily grasp and
remember a few well-developed ideas. Restricting your main points to a
few is particularly important in a first speech because it may be the shortest
presentation you make during the semester or quarter.
Your organizational goal in the body is to structure your main points
so clearly that they are both distinct and unmistakable to your listeners.
T o help you do so, we recommend a four-step sequence—the " 4 S ' s " — f o r
organizing each of your main ideas. First, .
Dr. Mohamed Karbal-Best Lawyer In Libya
New York and Washington D.C. Attorney, Libyan lawyer and Expert on the laws of Libya & Middle East
for more details please visit :
https://drmohamedkarbal.com/
https://karbal.net/
§ 6.01 IntroductionBackground checks are an important component .docxharrisonhoward80223
§ 6.01 Introduction
Background checks are an important component of an effective compliance program under the United States Sentencing Guidelines Manual, § 8B2.1(b)(3) (2011). If the personnel involved in promulgating the compliance program are known as people of integrity then the compliance program will be perceived as the result of a sincere effort to create a culture of ethics within the corporation.
Since the integrity of the senior management, compliance officer, and the compliance office personnel is critical to the effectiveness of the compliance program, enhanced background checks need to be conducted on all personnel who are involved in the conduct and dissemination of the compliance program.
__________
Timing:
These background checks should be conducted at the time of employment, promotion, salary increase or change of position to a compliance related function.
__________
Typically, conducting background checks on certain prospective employees can be an important part of the employee selection process for any company.
__________
Timing:
Background checks may also be advisable for employees considered for promotion or transfer into managerial or sensitive positions, or those positions which involve unsupervised employee contact with customers.
__________
__________
Strategic Point:
This practice should be reinforced throughout the company in hiring all employees since every employee is involved in promoting and participating in the compliance program.
__________
§ 6.02 Steps Involved in the Background Check Process
__________Trap:Strategic Point:
While seemingly straightforward, the steps required to conduct a legal background check are full of traps for the unwary. As a matter of federal law (and the law of many states), the process involves the following steps:
· 1.Obtain written consent for a background check from the applicant or employee;
· 2.Obtain and analyze the results of the background check;
· 3.Provide a copy of the background check to the applicant (if the results are relevant to the selection process) along with a written statement of rights and request a response;
· 4.Provide the applicant with an opportunity to respond with written comments to the background check results;
· 5.Consider the applicant’s written comments and the background check results in making a final determination as to whether the applicant will be hired, promoted, or transferred, and;
· 6.Provide the applicant with written notice (if the background check results are relevant to the selection process) of the fact that the background check results played a part in the selection process and that the applicant was not selected as a result.
__________
__________Warning:
These steps are more than just a set of best practices, they are designed to help an employer fully comply with the requirements of the Fair Credit Reporting Act. Failing to follow one or more of these steps when using background checks for employment decisions can leave a c.
More Related Content
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O r g a n i z e Y o u r S p e e c h Organizing a speech is.docxhopeaustin33688
O r g a n i z e Y o u r S p e e c h
Organizing a speech is similar to writing an essay. Every essay must have
an introductory paragraph, a body, and a concluding paragraph A speech
has the same three divisions: an introduction, a body, and a conclusion. T o
determine whether your ideas are clearly organized and easy to follow, you
must consider the organization of each of these three parts of your speech.
Organize Your Speech Introduction. Though usually brief, your speech
introduction serves five vital functions. First, it focuses the audience's atten-
tion on your message. You want to command their attention with your first
words. How can you do this? Question your audience, amuse them, arouse
their curiosity about your subject, or stimulate their imaginations.
Second, your introduction should clarify your topic or your purpose in
speaking. If your listeners are confused about your exact topic, you limit
their ability to listen actively. To minimize any chances of this, state your
purpose clearly in a well-worded sentence.
A third function of your introduction is to establish the significance
of your topic or to explain your interest in it. Fourth, your introduction
should help establish your credibility as a speaker on that topic. Reveal
any special qualifications you have for speaking on the topic, and use your
words, voice, and body to instill confidence in your listeners that you have
prepared thoroughly. Finally, your introduction should highlight or pre-
view the aspects of your subject that you will discuss in the body. Well-
planned and well-delivered opening remarks will make the audience want
to listen and will prepare them for what comes next. To check the integrity
of your speech introduction, answer the following questions:
What are the parts of my introduction?
• What is my attention getter?
• What is my statement of purpose?
• What rationale do I provide for speaking about this topic?
• How do I establish my credibility to speak on this topic?
• What are the points I will cover in my speech?
Organize the Body of Your Speech. The body of your speech is its
longest, most substantial scction. Though it follows your introduction, you
should prepare the body of your speech first. Here you introduce your
key ideas and support or explain each one. You should develop only two
or three main ideas in a first speech, because you can more easily develop
them within your time limit. Your audience will also more easily grasp and
remember a few well-developed ideas. Restricting your main points to a
few is particularly important in a first speech because it may be the shortest
presentation you make during the semester or quarter.
Your organizational goal in the body is to structure your main points
so clearly that they are both distinct and unmistakable to your listeners.
T o help you do so, we recommend a four-step sequence—the " 4 S ' s " — f o r
organizing each of your main ideas. First, .
Dr. Mohamed Karbal-Best Lawyer In Libya
New York and Washington D.C. Attorney, Libyan lawyer and Expert on the laws of Libya & Middle East
for more details please visit :
https://drmohamedkarbal.com/
https://karbal.net/
§ 6.01 IntroductionBackground checks are an important component .docxharrisonhoward80223
§ 6.01 Introduction
Background checks are an important component of an effective compliance program under the United States Sentencing Guidelines Manual, § 8B2.1(b)(3) (2011). If the personnel involved in promulgating the compliance program are known as people of integrity then the compliance program will be perceived as the result of a sincere effort to create a culture of ethics within the corporation.
Since the integrity of the senior management, compliance officer, and the compliance office personnel is critical to the effectiveness of the compliance program, enhanced background checks need to be conducted on all personnel who are involved in the conduct and dissemination of the compliance program.
__________
Timing:
These background checks should be conducted at the time of employment, promotion, salary increase or change of position to a compliance related function.
__________
Typically, conducting background checks on certain prospective employees can be an important part of the employee selection process for any company.
__________
Timing:
Background checks may also be advisable for employees considered for promotion or transfer into managerial or sensitive positions, or those positions which involve unsupervised employee contact with customers.
__________
__________
Strategic Point:
This practice should be reinforced throughout the company in hiring all employees since every employee is involved in promoting and participating in the compliance program.
__________
§ 6.02 Steps Involved in the Background Check Process
__________Trap:Strategic Point:
While seemingly straightforward, the steps required to conduct a legal background check are full of traps for the unwary. As a matter of federal law (and the law of many states), the process involves the following steps:
· 1.Obtain written consent for a background check from the applicant or employee;
· 2.Obtain and analyze the results of the background check;
· 3.Provide a copy of the background check to the applicant (if the results are relevant to the selection process) along with a written statement of rights and request a response;
· 4.Provide the applicant with an opportunity to respond with written comments to the background check results;
· 5.Consider the applicant’s written comments and the background check results in making a final determination as to whether the applicant will be hired, promoted, or transferred, and;
· 6.Provide the applicant with written notice (if the background check results are relevant to the selection process) of the fact that the background check results played a part in the selection process and that the applicant was not selected as a result.
__________
__________Warning:
These steps are more than just a set of best practices, they are designed to help an employer fully comply with the requirements of the Fair Credit Reporting Act. Failing to follow one or more of these steps when using background checks for employment decisions can leave a c.
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What are 2 types of disorders that might be affecting this complainant, and why did you consider them?
What types of referrals are available for a mentally ill person of this sort?
How should you continue to handle this inmate’s reported intelligence information, and why?
.
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¡A Presentar en Español!Prepare To prepare for this activit.docx
1. ¡A Presentar en Español!
Prepare: To prepare for this activity, review the vocabulary and
grammar explanations from Capítulo 4. Continue to practice
conjugating verbs in the present tense, to ask and answer
questions, and to familiarize yourself with the vocabulary by
completing several of the assigned practice activities in
MySpanishLab.
Reflect: What makes your city unique? What kinds of things do
you and your friends enjoy doing on the weekends? Can you
convey what you think will happen in the future? When was the
last time that you wrote a postcard? What picture would make a
perfect postcard for your city or town?
Write: Choose one of the following activities to use for your
initial response.
· Activity #1: In Capítulo 4 of your primary text, explore
activity 4-20 Qué Será, Será… (p. 148). Use the ir + a +
infinitive construction to predict the future for yourself, your
friends, your family, famous people, and so forth.
Write five predictions of what will occur in the future for five
different subjects (e.g., your children, the president of the
United States, you, etc.). Consult page 148 for a model.
· Activity #2: In Capítulo 4 of your primary text, explore
activity 4-38 Una Tarjeta Postal (A Postcard) (p. 159). Write a
postcard highlighting different things in your city or town. See
if you can convince your classmates to visit!
Use the following questions to organize your ideas. Write at
2. least five complete sentences. Consult the model on page 159 of
your primary text if needed.
· ¿Qué lugares hay en tu pueblo o ciudad?
· ¿Por qué son importantes o interesantes?
· Normalmente, ¿qué haces allí?
· ¿Adónde vas los fines de semana?
· ¿Qué te gusta de tu pueblo o de tu ciudad?
· Activity #3: In Capítulo 4 of your primary text, explore
activity 4-22 En Tu Opinión (p. 150). Complete the following
sentences about volunteer work. Be sure to follow up with
additional details to give the reader a clear description of your
opinion. Refer to the model on page 150.
· Yo (no) soy un/a consejero/a perfecto/a porque…
· Dos trabajos voluntarios que me gustan son …
· Hay muchas residencias de ancianos en los Estados Unidos
porque…
· Yo apoyo al candidato __________ porque . . .
· Cuando repartes comidas, puedes . . .
Respond to Peers: Read through your classmates’ posts. Choose
two different posts, and ask one question to each classmate, in
Spanish, to elicit more information (Due by Day 5). Also,
respond to one of the questions posed by your classmates in
response to your initial post (Due by Day 5).
Note: You will have a minimum of four posts, in Spanish, in
this forum:
· Your initial post (Due by Day 3)
· A question posed to classmate 1 (Due by Day 5)
· A question posed to classmate 2 (Due by Day 5)
· An answer to a question posed by a classmate in response to
your initial post (Due by Day 7)
3. Tips for success:
· Post your initial response by Day 3. If you post late, you may
not have a question from a classmate to respond to in order to
fulfill that portion of the prompt.
· As you interact with peers, please look for posts that don’t
have questions from classmates first. That way, we can ensure
that everyone has an opportunity to practice both asking and
answering questions.
¡A Presentar en Español!
Prepare:
To prepare for this activity, review the vocabulary and
grammar explanations from Capítulo 4. Continue to practice
conjugating
verbs in the present tense, to ask and answer questions, and to
familiarize
yourself with t
he vocabulary by completing several of the assigned
practice activities in MySpanishLab.
Reflect:
What makes your city unique? What kinds of things do you and
your friends enjoy doing on the weekends? Can you convey
what you
think will happen in the f
uture? When was the last time that you wrote a
4. postcard? What picture would make a perfect postcard for your
city or
town?
Write:
Choose one of the following activities to use for your initial
response.
·
Activity #1:
In Capítulo 4 of your primary text,
explore activity 4
-
20
Qué Será, Será… (p. 148). Use the
ir + a + infinitive
construction to
predict the future for yourself, your friends, your family,
famous
people, and so forth.
Write five predictions of what will occur in the future for five
differen
t subjects (e.g., your children, the president of the United
States, you, etc.). Consult page 148 for a model.
5. ·
Activity #2:
In Capítulo 4 of your primary text, explore activity 4
-
38
Una Tarjeta Postal (A Postcard) (p. 159). Write a postcard
highlighting di
fferent things in your city or town. See if you can
convince your classmates to visit!
Use the following questions to organize your ideas. Write at
least
five complete sentences. Consult the model on page 159 of your
primary text if needed.
o
¿Qué lugares h
ay en tu pueblo o ciudad?
o
¿Por qué son importantes o interesantes?
o
Normalmente, ¿qué haces allí?
o
¿Adónde vas los fines de semana?
o
6. ¿Qué te gusta de tu pueblo o de tu ciudad?
·
Activity #3:
In Capítulo 4 of your primary text, explore activity 4
-
22
En Tu Opinió
n (p. 150). Complete the following sentences about
volunteer work. Be sure to follow up with additional details to
give
the reader a clear description of your opinion. Refer to the
model on
page 150.
o
Yo (no) soy un/a consejero/a perfecto/a porque…
¡A Presentar en Español!
Prepare: To prepare for this activity, review the vocabulary and
grammar explanations from Capítulo 4. Continue to practice
conjugating
verbs in the present tense, to ask and answer questions, and to
familiarize
yourself with the vocabulary by completing several of the
assigned
practice activities in MySpanishLab.
7. Reflect: What makes your city unique? What kinds of things do
you and
your friends enjoy doing on the weekends? Can you convey
what you
think will happen in the future? When was the last time that you
wrote a
postcard? What picture would make a perfect postcard for your
city or
town?
Write: Choose one of the following activities to use for your
initial
response.
ore
activity 4-20
Qué Será, Será… (p. 148). Use the ir + a + infinitive
construction to
predict the future for yourself, your friends, your family,
famous
people, and so forth.
Write five predictions of what will occur in the future for five
different subjects (e.g., your children, the president of the
United
States, you, etc.). Consult page 148 for a model.
activity 4-38
Una Tarjeta Postal (A Postcard) (p. 159). Write a postcard
highlighting different things in your city or town. See if you can
convince your classmates to visit!
Use the following questions to organize your ideas. Write at
least
five complete sentences. Consult the model on page 159 of your
primary text if needed.
8. o ¿Qué lugares hay en tu pueblo o ciudad?
o ¿Por qué son importantes o interesantes?
o Normalmente, ¿qué haces allí?
o ¿Adónde vas los fines de semana?
o ¿Qué te gusta de tu pueblo o de tu ciudad?
e
activity 4-22
En Tu Opinión (p. 150). Complete the following sentences
about
volunteer work. Be sure to follow up with additional details to
give
the reader a clear description of your opinion. Refer to the
model on
page 150.
o Yo (no) soy un/a consejero/a perfecto/a porque…
U1 1.1 Daily Spending LogDaily Spending Log- Unit
1Directions: Please record every penny you spend each day,
beginning no later than Thursday (the second day of this class)
and ending Monday (the day before the unit ends). Your daily
spending log for week two will begin the following day
(Tuesday).
Place the amount you have spent in the categories provided
below. Additional categories can be added in columns J and K.
Make sure you record cash spent and credit card charges. If you
have more than one transaction for the same category, total the
amounts spent and add it to the appropriate cell in this
worksheet. The total expenditures in column M will
automatically compute for each day. Explain daily expenditures
in the comments section in column N. If your entire comment
does not appear in column N, double-click on the row dividing
line to automatically enlarge the cell to fit the text.
Provide a brief summary of your expenditures for week one in
9. row 16. Identify categories within your daily spending log that
could be reduced to decrease the total amount of your spending.
Please save this spreadsheet each time you add information.
When you are ready to submit, save your workbook by clicking
the Office button at the top of your spreadsheet then click Save
As. Name the file Username-AB104 Financial Plan Workbook
Unit#.xlsx (Example: TAllen- AB104 Financial Plan Workbook
Unit1.xlsx).
Week 1: Enter the spending log dates below.(Enter date started
here)DateDay of weekAutoFood
(H) Home
(S) SelfHealth,
Personal CareEducationRecreation
LeisureDonationsLaundryAdd CategoryAdd CategoryOtherTotal
SpentComments:Wednesday$0.00Thursday$0.00Friday$0.00Sat
urday$0.00Sunday$0.00Monday$0.00Running
Total:$0.00Summary - Answer the two summary questions
below.1. Provide a brief summary of your expenditures for
week one.2. Identify categories within your daily spending log
that could be reduced to decrease the total amount of your
spending.
U2 1.2 Daily Spending LogDaily Spending Log- Unit
2Directions: Please record every penny you spend each day,
beginning Tuesday (the last day of Unit 1) and ending Monday
(the day before the unit ends).
Your daily spending log for week three will begin the following
day (Tuesday).
Place the amount you have spent in the categories provided
below. Additional categories can be added in columns J and K.
Make sure you record cash spent and credit card charges. If you
have more than one transaction for the same category, total the
amounts spent and add it to the appropriate cell in this
worksheet. The total expenditures in column M will
automatically compute for each day. Explain daily expenditures
10. in the comments section in column N. If your entire comment
does not appear in column N, double-click on the row dividing
line to automatically enlarge the cell to fit the text.
Provide a brief summary of your expenditures for week two and
answer each question posted below.
Please save this spreadsheet each time you add information.
When you are ready to submit, save your workbook by clicking
the Office button at the top of your spreadsheet then click Save
As. Name the file Username-AB104 Financial Plan Workbook
Unit#.xlsx (Example: TAllen- AB104 Financial Plan Workbook
Unit1.xlsx)
Week 2: Enter the spending log dates below.(Enter date started
here)DateDay of weekAutoFood
(H) Home
(S) SelfHealth,
Personal CareEducationRecreation
LeisureDonationsLaundryAdd CategoryAdd CategoryOther
Total
SpentComments:Tuesday$0.00Wednesday$0.00Thursday$0.00Fr
iday$0.00Saturday$0.00Sunday$0.00Monday$0.00Running
Total:$0.00Summary - Answer the three summary questions
below.1. Provide a brief summary of your expenditures for
week two.2. What information from your daily spending log
might encourage you to reconsider various money management
actions?3. How can your daily spending log assist you when
planning and implementing a budget?
U2 2.1 Personal Financial Goals Unit 2: Worksheet 2.1 Personal
Financial GoalsSetting goals for your financial future is an
important step in the financial planning process. This sheet can
be used to help you plan for your financial success.
This worksheet is divided into three separate areas:
11. * Short-term goals are goals to be obtained in one year or less.
* Intermediate goals are goals which are obtainable in two to
five years.
* Long-term goals are goals which is obtainable after five years.
Steps:
1. Place each goal in the appropriate area and indicate the
priority, expected date of completion, and the estimate of cost
each week. Provide goal comments in column G.
2. Once completed, make sure you carry over the monthly costs
for your investments to your U2 2.2 Personal Annual Budget
worksheet.
Worksheet 2.1 Personal Financial Goals Worksheet
AB104Name: Date:Short-Term Goals (1 year or
less)GoalPriorityExpected Date of CompletionEstimate of
Cost/WeekEstimate of Cost/MonthEstimate of
Cost/YearComments$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00$0.00Intermediate-Term Goals (2 to 5
years)GoalPriorityExpected Date of CompletionEstimate of
Cost/WeekEstimate of Cost/MonthEstimate of
Cost/YearComments$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00$0.00Long-Term Goals (6 +
years)GoalPriorityExpected Date of CompletionEstimate of
Cost/WeekEstimate of Cost/MonthEstimate of
Cost/YearComments$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$
0.00
U2 2.2 Personal Annual BudgetUnit 2: Worksheet 2: Personal
Annual Budget
A budget is a forecast of your income and expenses and is very
important to insure a secure financial future.
A budget is a specific plan for spending income which is also
called a spending plan.
12. Steps:
1. Enter your estimated income for each month in rows 5
through 8.
2. Navigate through the categories and enter any expenses you
think you may have in the upcoming year. Please remember to
include the auto or life insurance premiums.
3. The totals category (row 8, 19, 28, 37, 44, 54, 63, 70, 80, 88,
96, 104) will indicate how much money you will spend in each
category by month.
4. Your total expenses will display in row 106.
5. Your surplus or deficit of money available will be displayed
in row 107. This is computed by deducting your total expenses
from your total income.
6. Once you have completed your budget for the year, go to
worksheet "U2 2.3 Questions" and answer the questions.
JanFebMarchAprilMayJuneJulyAugSeptOctNovDecYearINCOM
EWages$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
$0.00$0.00$0.00Interest/dividends$0.00$0.00$0.00$0.00$0.00$
0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00Miscellaneous$0.00$
0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0Income
totals$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.
00$0.00$0.00EXPENSESHomeMortgage/rent$0.00$0.00$0.00$0
.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00Utilities$0.
00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
$0.00Home
telephone$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00Cellular
telephone$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00Home
repairs$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$
0.00$0.00$0.00Home
improvement$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$
0.00$0.00$0.00$0.00Home
security$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
$0.00$0.00$0.00Garden
17. have more than one transaction for the same category, total the
amounts spent and add it to the appropriate cell in this
worksheet. The total expenditures in column M will
automatically compute each day. Explain daily expenditures in
the comments section in column N. If your entire comment does
not appear in column N, double-click on the row dividing line
to automatically enlarge the cell to fit the text.
Provide a brief summary of your expenditures for week three
and answer each question posted below.
Please save this spreadsheet each time you add information.
When you are ready to submit, save your workbook by clicking
the Office button at the top of your spreadsheet then click Save
As. Name the file Username-AB104 Financial Plan Workbook
Unit#.xlsx (Example: TAllen- AB104 Financial Plan Workbook
Unit1.xlsx)
Week 3: Enter the spending log dates below.(Enter date started
here)DateDay of weekAutoFood
(H) Home
(S) SelfHealth,
Personal CareEducationRecreation
LeisureDonationsLaundryAdd CategoryAdd CategoryOtherTotal
SpentComments:Tuesday$0.00Wednesday$0.00Thursday$0.00Fr
iday$0.00Saturday$0.00Sunday$0.00Monday$0.00Running
total:$0.00Summary - Answer the three summary questions
below.1. Provide a brief summary of your expenditures for
week three.2. Are there any banking fees that you encounter
each month? What actions might be taken to reduce or eliminate
these cash outflows?3. What other areas of your daily spending
might be reduced or revised?
U3 3.1 Balance SheetUnit 3: Worksheet 1: Balance SheetThe
personal balance sheet is a summary of your assets (what you
18. own), your liabilities (what you owe), and your net worth
(assets minus liabilities).
Steps:
1. List the value of your assets according to the categories in
column B of the worksheet.
2. List the value of your liabilities according to the categories
in column E of the worksheet.
3. The net worth is calculated and displayed in cell E34.
*Net worth = total assets (B37) minus total liabilities (E32)
*Total assets = total liabilities (E32) + net worth (E34)Balance
SheetLiquid AssetsCurrent Liabilities Cash on
hand$0.00Utlities$0.00Checking
accounts$0.00Rent$0.00Savings account$0.00Insurance
premiums$0.00Money market
accounts$0.00Taxes$0.00Certificate of
deposit$0.00Medical/dental bills$0.00Short term
investments$0.00Repair bills$0.00Total Liquid
Assets$0.00Bank Credit Card bills$0.00Store Credit Card
bills$0.00Real PropertyTravel/entertainment bills$0.00Primary
Residence$0.00Gas credit cards$0.00Second Home$0.00Bank
line of credit$0.00Other$0.00Other liabilities$0.00Total Real
Property$0.00Other liabilities$0.00Total Current
Liabilities$0.00InvestmentsStocks$0.00Long-term
LiabilitiesBonds$0.00Mortgage$0.00Mutual Funds$0.00Second
Mortgage$0.00Retirement Fund, IRA$0.00Investment
mortgage$0.00Other$0.00Auto Loans$0.00Total investment
Assets$0.00Home improvement loan$0.00Single-payment
loans$0.00Personal PropertyStudent loans $0.00Auto$0.00Other
long term loans$0.00Auto$0.00Other long term
loans$0.00Recreation Vehicles$0.00Total Long- term
Liabilities$0.00Household furnishings$0.00Jewelry and
artwork$0.00Total Liabilities$0.00Other$0.00Other$0.00Net
Worth$0.00Total Personal Property$0.00Total Assets$0.00Total
Liablities & Net Worth$0.00
19. U3 3.2Personal Income & ExpenseUnit 3: Worksheet 2:
Personal Income and Expense StatementA Personal Income and
Expense Statement is a cash basis statement that shows the
actual cash receipts and actual expenditures for a certain period
of time. This statement includes all income and expenses for the
month. Total income minus total expenses will provide you
with your cash surplus or cash deficit. If your total income is
greater than your total expenses, you will have a cash surplus. If
your total income is less than your total expenses, you will have
a cash deficit.
Steps:
1. List all of your income.
2. List all of your expenses according to each category.
3. The cash surplus or cash deficit is automatically calculated in
cell D59.
Cash surplus/deficit formula: total Income (D20) minus total
expenses (D57).
NameFor the period of IncomeWages and SalariesName of
Earner: $0.00Name of Earner: $0.00Name of Earner:
$0.00Self-employment Income$0.00Bonuses and
Commissions$0.00Investment IncomeInterest
received$0.00Dividend received$0.00Rents received$0.00Sale
of Securities$0.00Other$0.00Other$0.00Pensions and
Annuities$0.00Other Income$0.00TOTAL
INCOME$0.00ExpensesHousingRent/Mortgage payment
$0.00Repairs, maintnenace,
improvements$0.00UtilitiesGas$0.00Electric$0.00Water$0.00Ph
one $0.00Cable$0.00Other$0.00FoodGroceries$0.00Dining
Out$0.00TransportationAuto Loan Payments$0.00Licenses
plates, fees$0.00Gas, oil, tires, repairs$0.00MedicalHealth
major medical, insurance$0.00Doctor$0.00Dentist
$0.00Medicines$0.00ClothingClothes shoes,
accessories$0.00InsuranceHomeowner'sLife
Insurance$0.00Auto Insurance$0.00TaxesIncome and Social
Security$0.00Property (if not included in mortgage)$0.00Credit
20. CardsLoan payments$0.00Major purchasesLoan
payments$0.00Repairs & maintnenance$0.00Personal
Carecosmetics, hair care
etc.$0.00Other$0.00EntertainmentVacations$0.00other$0.00Oth
er Itemsstudent loan payments$0.00Gifts$0.00Charitable
contributions$0.00TOTAL EXPENSES$0.00Cash Surplus (or
Deficit)$0.00
U4 4.1 Mortgage RefinanceUnit 4: Worksheet 1: Mortgage
Refinance AnalysisThis worksheet will assist you in making the
decision to re-finance your current mortgage or not. It will look
at the savings you may receive if you refinance you existing
mortgage.
Steps:1. Enter your current monthly payment.2. To find out
what the new payment amount will be go to
http://www.bankrate.com. Click on “mortgage rates” and enter
your state and your city. Enter amount to be refinanced and the
length of loan. This will give you different banks in the area
with their rates and the payment amount. Enter the payment
amount on line 2.3. Pre-tax savings on monthly payment will be
automatically calculated (H12 - H13).4. Calculate the taxes on
your monthly savings. Even though you may be saving money
with the refinance, it will result in more taxable income.
Determine your income tax bracket in cell H16. If you do not
know your income tax bracket go to: https://www.efile.com/tax-
service/tax-calculator/tax-brackets/ : Enter the year and your
filing status. Then locate your gross income amount and your
income tax bracket.5. The monthly savings after tax will be
automatically calculated in cell H17.6. Enter the costs to
refinance your mortgage. Check your mortgage papers or
lender’s policy to find the prepayment penalty.7. The months to
breakeven are automatically calculated in cell H22. This is
calculated by taking the total refinancing costs (H21) and
dividing it by your monthly savings after tax (H17).
ItemDescriptionAmount1Current monthly payment$0.002New
monthly payment$0.003Monthly savings, pretax (Item 1 - Item
2)$0.004Income Tax Bracket (Enter as decimal)0%Tax on
21. monthly savings (Item 3 x Item 4)$0.005Monthly savings, after-
tax (Item 3 - Item 4)$0.006Costs to refinance:a.Prepayment
penalty$0.00b.Total closing costs (after tax)$0.00c.Total
refinancing costs (Item 6a + 6b)$0.007Months to breakeven
(Item 6c/Item
5)ERROR:#DIV/0!http://www.moneychimp.com/features/tax_br
acket.htmhttps://www.efile.com/tax-service/tax-calculator/tax-
brackets/http://www.bankrate.com/
U4 4.2 Home AffordabilityUnit 4: Worksheet 2: Home
Affordability AnalysisDirections: There are nine items to fill in
on this sheet.
Item 1 (Include all income)
Item 3 (An average lender's affordability ratio has been
provided. This can range from 28 to 33 percent depending on
lender.)
Item 5 (Do some research on houses in your area to determine
the combined monthly tax and insurance payment.)
Item 7 (research for current interest rates)
Item 8 (determine the number of years for loan. This is usually
15 or 30).
Item 9 (Find this value by using Item 7 and Item 8 and Table of
Monthly Mortgage Payments (below).)
Item 11 (How much do you have available for a
downpayment?)Name:Date:ItemDescriptionAmount1Amount of
annual income2Monthly income (Item 1 divided by 12)3Average
lender's affordabilitiy ratio30%4Maximum monthly mortgage
payment (PITI)
$0.005Estimated monthly property tax and homeowner's
insurance payment$0.006Maximum monthly loan payment (Item
4-Item 5)$0.007Approximate average interest rate on
loan8Planned loan maturity (years)9Mortgage payment per
$1000
10Maximum loan based on monthly income
$10,000 x (Item 6 divided by Item 9)ERROR:#DIV/0!11Funds
available for making a down payment
22. (Note: Closing costs are separate from down payment and
should be considered when purchasing a home)12Maximum
purchase price based on available monthly income
ERROR:#DIV/0!Table of Monthly Mortgage PaymentsUsing
the Table of Monthly Mortgage Payment (left side)Instructions:
1. Find the interest rate in the first column for your loan.
2. Locate the value that corresponds to the length of your loan.
3. Place this number in Line 9 of this worksheet.
U5 5.1 How's My CreditUnit 5: Worksheet 1: How's My
Credit?This worksheet will help you to determine your debt
safety ratios. It indicates the amount of debt you have compared
to your income. The debt safety ratio will indicate the
percentage of your monthly income that is attributed to debt
(what you owe). When completing this worksheet, you will use
your monthly income and your total monthly debt to calculate
your debt ratio.
Steps:
-Enter your monthly loan payments and take home pay.
-The debt safety ratio will automatically calculated by taking
your total monthly payments and dividing it by your total
monthly take home pay. That amount will be multiplied by 100.
We use 100 because we are looking for a percentage.
- Example: $1500 (total Monthly payments / $4,500 (monthly
take-home pay) x 100 = 33.33% this will be your debt ratio.
- This example indicates that you spend 33% of your income for
debt each month.
If you want to lower your debt follow these steps:
- Determine the rate you would like your debt ratio to be.
- If you want this calculated on your current income use that
figure then multiply this amount by the new target debt ratio.
23. This will give you the new monthly amount you must pay to
reduce your ratio.
**Note: The final figure will tell you how much you will need
to pay additionally on your debt each month to achieve your
desired debt ratio.Monthly Consumer Loan Payments & Debt
Safety RatioName:Date:Type of LoanLenderCurrent monthly or
minimum payment Auto and personal Loans1$0.00Note: Only
use those loans that require regular montly
payments2$0.003$0.00Education
loans1$0.002$0.003$0.00Overdraft protection
line1$0.002$0.00Personal line of credit$0.00Credit
cards1$0.002$0.003$0.004$0.00Home equity line of
credit1$0.00TOTAL MONTHLY PAYMENTS$0.00Monthly
take home pay1$0.002$0.00TOTAL MONTHLY TAKE-HOME
PAY$0.00Debt Safety Ratio:Total monthly payments/Total
monthly take-home pay x 100ERROR:#DIV/0!Changes needed
to reach a new debt safety ratio1. New (target) debt safety
ratio:0%2.Use monthly take-home pay x Target debt
ratio**$0.00
U5 5.2 Tracking Consumer DebtUnit 5: Worksheet 2: Tracking
Your Consumer DebtThis worksheet will keep you updated on
how much debt you currently have. You will list all your debts
(money you owe) and their current balances. This will be a good
tracking tool for your debt and will need to be updated
frequently.Date:Current Monthly Payment*Latest Balance
DueType of Consumer DebtCreditorCreditor NameAuto
Loans1$0.00$0.002$0.00$0.003$0.00$0.00Education
Loans1$0.00$0.002$0.00$0.00Personal Installment
Loans1$0.00$0.002$0.00$0.00Home Improvement
Loan$0.00$0.00Other Installment
Loans1$0.00$0.002$0.00$0.00Single Payment
Loans1$0.00$0.002$0.00$0.00Credit Cards
(retail charge cards, bank cards,
etc)1$0.00$0.002$0.00$0.003$0.00$0.004$0.00$0.005$0.00$0.0
06$0.00$0.007$0.00$0.00Overdraft protection
24. Line$0.00$0.00Personal Line of Credit$0.00$0.00Home equity
creditline$0.00$0.00loan on life insurance$0.00$0.00Margin
loan from broker$0.00$0.00Other
Loans1$0.00$0.002$0.00$0.00TOTALS$0.00$0.00
U6 6.1 Life Insurance NeedsUnit 6: Worksheet 1: Life
Insurance NeedsThis worksheet will assist you to determine the
amount of life insurance coverage you will need to help your
family financially upon your death. It uses the money which
will be available, as well as the total expenses incurred at your
time of death, and the debt you will owe. YourselfYour
SpouseA. Costs at death1. Uninsured medical expenses
(deductible and copay)$0.00$0.002. Funeral expense (average
$10,000, but less for cremation)$0.00$0.003. Settlement of
estate (estimate 4% of assets)$0.00$0.004. State inheritance
taxes (if any)$0.00$0.005. Counseling costs for adjustment to
loss$0.00$0.00Total costs at death $0.00$0.00B. Lump Sums6.
Outstanding debts a. Mortgage$0.00$0.00 b. Car
loan(s)$0.00$0.00 c. Credit cards and other
loans$0.00$0.00Total outstanding debt to repay$0.00$0.007.
Education costs for children or spouse$0.00$0.008. Spouse
retirement fund$0.00$0.009. Household emergency fund
(Monthly household expenses X 3)$0.00$0.00Total lump sum
needs$0.00$0.00C. Cost of Household Maintenance10.
Deceased annual after-tax income$0.00$0.0011. Annual cost of
lost support services
(child care, eldercare, housekeeping)$0.00$0.0012.
Reduction in family expenses due to death (estimated 20–
25%)
$0.00$0.0013. Annual Social Security survivor
benefits$0.00$0.0014. Net income shortfall$0.00$0.00Total
household maintenance fund needsLine 14 x Number of years to
replace Years =0$0.00$0.0015. Total fund needed
values)$0.00$0.00D. Available Resources to Meet Needs16.
Total savings and investments$0.00$0.0017. Group life
insurance$0.00$0.0018. Social security lump sum
benefit$0.00$0.0019. Total resources to meet needs
25. $0.00$0.00Total life insurance needs$0.00$0.00
U7 7.1 Stock TraderUnit 7: Worksheet 7.1 Stock
TraderDirections: You are given $10,000 to invest in the stock
market. You are to pick stock of your choice. No more than
three different stocks and you must invest the whole $10,000.
You will enter your stock name, symbol, the date, the price and
the total number of shares purchased. Each week you will check
your stock and record the current market value. In the comment
section you will note any changes and the possible reasons for
the change. You will do this during all units between starting
with Unit 2 and ending with Unit 7.Section A: In this area you
will record your initial Purchase of the stock.Stock nameStock
1Stock 2Stock 3 DateSymbolPurchase Price# of sharesTotal
Investment$ - 0$ - 0$ - 0$ - 0Section B: In this area you
will record your weekly market value of your stock.DateCurrent
Price Stock 1Current Price Stock 2Current Price Stock 3Unit
3Unit 4Unit 5Unit 6Unit 7 Section C: This calculates the
amount of investment per week based on current week stock
price and number of shares.DateCurrent Price Stock 1Current
Price Stock 2Current Price Stock 3Total Investment Each
WeekUnit 312/31/99$ - 0$ - 0$ - 0$ - 0Unit 412/31/99$ -
0$ - 0$ - 0$ - 0Unit 512/31/99$ - 0$ - 0$ - 0$ - 0Unit
612/31/99$ - 0$ - 0$ - 0$ - 0Unit 7 12/31/99$ - 0$ - 0$
- 0$ - 0Gain or loss$ - 0Section D: In this section you will
record comments from each unit and answer the 4 questions
below.Comments:Unit 2Unit 3Unit 4Unit 5Unit 6Unit 7 1. What
economic issues affected your decisions to purchase the
stock?2. How will the current market value of your stock affect
your finances?3. How can any furutre investment you make
affect your financial plan?4. How will your financial plan help
your with any future investments for your personal wealth?
U8 8.1 Retirement NeedsUnit 8: Worksheet 1: Retirement
NeedsDirections: It is important for you to understand and know
what your current financial needs and your future needs at
retirement. To complete this worksheet you will fill in the
various categories that pertain to your situation for now and
26. later. You will need to include all income and expenses for both
now and at retirement. You will use your monthly averages for
both income and expenses. For your monthly income at
retirement you will use the 5% inflation factor from worksheet
8.2 based on your number of years until retirement. Enter the
factor in cell F3 to see the calculations of income categories
needed at retirement based on this 5% inflation
factor.MONTHLY INCOMENOWRETIREMENTSalary
(including spouse)$ - 0Commissions, Bonuses, Tips$ -
0Interest, Dividends$ - 0Social Security$ - 0Rental Income$
- 0Pensions$ - 0Annuities$ - 0Veterans Benefits$ - 0Other
Income$ - 0TOTAL INCOME (A)$ - 0$ - 0MONTHLY
EXPENSESNOWRETIREMENTHousing Mortgage$ - 0
Property Tax$ - 0 Homeowner’s Insurance$ - 0 Rent$ -
0 Utilities$ - 0 Maintenance Fees$ - 0Food Groceries$
- 0 Dining Out$ - 0Transportation Vehicle Maintenance$ -
0 Fuel$ - 0 Auto Insurance$ - 0 Public Transportation$
- 0Health Care Medical Services$ - 0 Medications and
supplies$ - 0 Health Insurance$ - 0Personal Insurance Life
Insurance$ - 0 Disability Insurance$ - 0 Long-term
insurance$ - 0 Other insurance$ - 0Personal expenses
Clothing$ - 0 Products and services$ - 0Miscellaneous
Expenses Loans and Credit cards$ - 0 Travel or vacation$
- 0 Hobbies$ - 0 Gifts$ - 0 Education$ - 0 Charitable
Contributions$ - 0 Other$ - 0TOTAL MONTHLY
EXPENSES (B)$ - 0$ - 0Retirement Needs:NOW: A - B
=surplus or (deficit)$ - 0Retirement: A - B =Surplus or
(deficit)$ - 0Answer the following questions regarding your
calculations:1. What have you learned from completing your
retirment calculations?2. Are there adjustments you need to
make now? Or later?3. What changes will you have to make in
order to retire comfortably?4. Has there been a change in your
financial outlook for the future?
U8 8.2 Inflation TableUnit 8: Worksheet 8.2 Inflation
TableDirections: To determine future income (in dollars) you go
to the number of years before retirement and locate the factor.
27. Mulitiply the factor times the income amount in your 8.1
Retirement Needs Calculator worksheet.Years until
Retirement5% Inflation
Factor101.63111.71121.8131.89141.98152.08162.18172.29182.
41192.53202.65212.79222.93233.07243.23253.39263.56273.732
83.92294.12304.32