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INSTRUCTIONS Attached please find the case study of James Wilson and Harold Newton. James and Harold are a same-sex Essay

Attached please find the case study of James Wilson and Harold Newton. James and Harold are a same-sex couple and that have been together for seven years; they both live in the house that Harold owns.
Harold has inherited money in a generation-skipping trust from his mother; the trust allows for distributions for health, education, maintenance, or support. Most years, Harold has not taken withdrawals from this account. The trust reverts to Harold’s brother at his death if he has no children. Harold has a will that leaves everything to his parents; Harold has a power-of-attorney and health care power-of-attorney that names his father as attorney-in-fact. Harold runs a successful consulting practice out of his home. Harold states that he is fairly aggressive, and his investment account is almost entirely (90%) equity investments.
James has no estate documents. James contributes $3,000/year to his 401(k), just enough to obtain the
maximum matching contribution offered by his employer. In contrast, Harold contributes $10,000 / year to his SAR SEP IRA.
James and Harold live a fairly extravagant lifestyle of dining out and vacations, funded primarily from Harold’s income and assets. However, James still provides the primary support for his basic living needs.
Neither James nor Harold has any life or disability insurance.
James is the beneficiary of Harold’s SAR SEP IRA.
James’ sister is the beneficiary of his 401(k).
The primary residence mortgage is a 5/1 ARM 30-year loan and was taken out exactly 2 years ago. Harold has made 24 payments at a rate of 7.25%.
James is currently paying a 16.99% annual interest rate on his credit card debt.
1. Save for retirement
2. Provide for each other in the event of death.

Using the information attached about James and Harold create a financial plan using Money Guide Pro (see below for link to Money Guide Pro and Login information and see attached for more information on James and Harold). QUESTIONS Based on your Money Guide Pro financial plan for James and Harold are below:
1. Summarize the Money Guide Pro recommendation
2. Do you agree with the recommendations?
3. Would you suggest they lower their risk tolerance?
4. How would you reallocate Harold investments? (Currently they are 90% equity)
5. How would you implement the recommendations? (Prioritization, time, money)
6. In your opinion, how often should the financial plan of Harold and James be monitored?

Money Guide Pro Link and Login Information
ID -for assigned writer

Must be typed, double-spaced, in 12-point Times New Roman or Arial font, with one-inch margins
Must have the title page in APA-7th style
Must have in-text citations in APA-7th edition style
Must have reference list in APA-7th edition style. Please note that you must reference the data you are using for the project
Must be prepared using word processing software (Microsoft Word preferred)

Finance Question

Part 1

1 What are the differences between bottom-up and top-down approaches to security valuation? What are the advantages of a top-down approach? (150-200 Words)
Q-1. Explain the major categories of financial information that are available to investors and discuss the major products that the investment advisory services provide. Highlight the key role of the Internet in investment research. ( Words limit – 300 to 500 )
Q-2. Discuss the differences between organized exchanges and over-the-counter markets. What is the impact of electronic markets on the efficiency of the markets? ( Words limit – 250 to 400 )
Q-3. Describe the various economic structures of industries and explain the effect that government regulation can have on an industry. Discuss the concept of rotational investing in which the investor shifts emphasis among industries during various phases of the business cycle. ( Words limit – 250 to 400 )
Part 2
Real estate Finance
1- What is Title Assurance? Explain its components and types.
2- Explain the different components of Mortgage Instrument and distinguish it with promissory notes.
3- Calculate the present value of 3000 that you are supposed to receive in the end of 5th year from today, if the interest rate is 5% compounding annually.
Part 3
bank management

1. What is the Glass-Steagall Act, and why was it important in banking history?
2. Why do Banks and other financial intermediaries exist in modern society, according to the theory of finance?
3. Riyadh Bank are considering filing an application with the state banking commission to charter a new bank. Due to a lack of current banking facilities within a 10-mile radius of the community, the organizing group estimates that the initial banking facility would cost about $3.3 million to build along with another $500,000 in other organizing expenses and would last for about 25 years. Total revenues are projected to be $400,000 the first year, while total operating expenses are projected to reach $160,000 in year 1. Revenues are expected to increase 4 percent annually after the first year, while expenses will grow an estimated 2 percent annually after year 1. If the organizers require a minimum of a 10 percent annual rate of return on their investment of capital in the proposed new bank, are they likely to proceed with their charter application given the above estimates?

Input Area:

Initial cost of banking facility


Initial other organizing expenses


Year 1 revenue


Year 1 operating expense


Annual growth rate in revenues


Annual growth rate in expenses


Required annual rate of return


4.National Bank of Saudi Arabia is considering installing two ATMs in its Riyadh branch. The new machines are expected to cost $37,000 apiece. Installation costs will amount to about $15,000 per machine. Each machine has a projected useful life of 10 years. Due to rapid growth in the Riyadh, these two machines are expected to handle 50,000 cash transactions per year. On average, each cash transaction is expected to save 30 cents in teller expenses. If First National has a 10 percent cost of capital, should the bank proceed with this investment project?
reference is required

Capital Budgeting Techniques

Finance Assignment Help Capital Budgeting Techniques

1.On a one typed page state the different Capital Budgeting Techniques. Define on each equation the dependent variable and the independent variables.
2.On a one typed page explain which one is in accordance with the objective of the manager. Your rationalization should consist an explanation of why?
3.On a one typed page show with a hypothetical example when there is a conflicting conclusion in accepting or rejecting a project when we use the Net Present Value (NPV) versus the Internal Rate of Return (IRR). State the exact reason and graph your findings on (Y)

Business Finance?Pinlan 3/10/2022?

Pratice E–x-a-m Time: 3/10/2022 8:30AM
Duration : 2 hrs and 10 minutes
Question structure:
The examination will consist of short answer conceptual questions and practical exercises/problem questions. The questions will be comparable to those covered in class; therefore, the best form of revision will be to work through lecture and tutorial questions, exercises and problems.
Topic covered: Similar to that screenshot attached

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