This paper needs to be undergraduate level because I’m attending a junior colleg

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Dec 18, 2022

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This paper needs to be undergraduate level because I’m attending a junior college pursuing a business administration certificate and associate of science in business administration. This is an insurance class called Personal Insurance class (BUSN 262 – Personal Insurance regarding life, health, homeowners insurance, auto, annuities, etc.)
Textbook used: ISBN 978-0-13-564130-9 Principles of Risk Management and Insurance (George Rejda, Michael McNamara, William Rabel) –
Chapter 14 Annuities and Individual Retirement Accounts
Chapter 17 Employee Benefits Retirement Plans
e-book won’t let me copy pages to send)
M08: Financial Goals Project
Paper format: Format options:
There are 3 parts to this paper,
Part I: Social Security
Part II: Financial Plan
Part III: Investments
You will be completing PARTS I & III only. I will be completing Part II – Financial Plan (budgeting)
This paper requires a total word count of at least 700 (excluding your spending tracker)
Must cite all external resources
Microsoft Word, PDF
This option requires a minimum of
11 inch, Times New Roman and double space
Purpose
This assignment aims to understand the importance of planning for retirement, including social security, retirement planning, and funding. So you may think…. What does financial planning have to do with insurance? The keyword is RISK!!!!! Insurance is the financial blanket of protection. It reduces financial risk on multiple levels. When it comes to social security, it may not seem to be a benefit currently, but in the near future, This is one form everyone contributes to this fund from their paycheck. The second part of the project is starting the process of financial planning. Lastly, you will discover options with annuities.
PART 1: SOCIAL SECURITY
This section of the project aims to understand the importance of social security funding. Although many may not see this benefit in the near future, everyone contributes to this fund from their paycheck.
Tasks
Watch Senator Warren’s video below

Assignment Questions:
Explain how a decrease in social security funding will impact recipients.
Every worker contributes to the social security fund. What can impact the funding to pay the benefits to seniors who have contributed to the fund for most of their lives?
What benefits and expenses is the Social Security Administration responsible for on a daily basis?
Explain how underfunding and cuts impact the recipients of these benefits.
How does the budget impact the services provided by the Social Security Administration?
Part II: Financial Plan (DO NOT WORRY ABOUT PART II. I WILL COMPLETE THIS PART)
I’m just showing the full details of the paper.
Purpose
The purpose of this portion of the project is to provide the opportunity to create a financial plan. Refer to this BBVA website article Download this BBVA website articleand create a thorough financial plan by explaining the following:
Tasks
Indicate five things that are motivators to obtain a healthy financial lifestyle.
List and prioritize at least three strategies.
Track your spending for 30 days (should have started in week 2 or 3). This should be submitted using a spreadsheet and included in your final submission.
Create a realistic 30-day budget based on your current income. Income can be received in a form of allowance and job wages. Below area couple of free resources to assist with budgeting. You are not restricted to using the following.
Quicken Free Budget CalculatorLinks to an external site.
Nerd Wallet Free Budget PlannerLinks to an external site.
Which savings and investment automation process (s) would you use to meet your financial goals?
What method(s) would you use to check on your progress?
Indicate at least five financial losses that you could or have experienced due to lack of financial planning?
Part III: Investments
Purpose
The purpose of this assignment is to continue expanding your financial plan. Now that you have created the basics in the previous assignment, let’s proceed to investments!
Task
List and explain three different types of annuity. Which type would you purchase as an investment option and why?
Conduct research online and list a company that provides the option to purchase your preferred annuity. Provide the link of the company and product.
Indicate and explain what payment options are available for your selected annuity.
Is this a deferred or immediate annuity? Explain 2 – 3 characteristics of the type of annuity.
Explain the four nonforfeiture provisions and indicate which applies to your selected annuity.
Who mandates annuities?
In 3-5 sentences, indicate your reasoning for purchasing an annuity.
Submission Instructions
Format options:
Requires a word count of at least 700 (excluding your spending tracker)
Must cite all external resources
Microsoft Word, PDF
This option requires a minimum of
11-inch, Times New Roman, and double space

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