20180429045625instructions x20180429045509proposal x
The following is my proposal; however, you can revise it when you believe you can do it better, but one point cannot be revised is the character who is from china. The reason why I do this is I want you to put emphasis of this paper on the risk diversified, my professor always says diversified, diversified. The reason why I choose you as my writer is that I read your previous work, you provide your financial suggestion and expectation, and then you provide bunch of data and calculation to prove what you believe in, so that is the main reason, it does not like other suck writer to do some tedious work, they just spend a majority words to introduce some common sense, what is nonsense! and cause the essay extremely boring and suck. So, I hope you can persist on your writing style on my essay.
I have a little suggestion for this essay, when you diversified the risk, due to the special background of this character, you can make him invest the U.S stock market and Chinese stock market at the same time to reduce the variance and uncertainty, and this person needs to have risk -free investment (low but steady return) and risk investment (risky but high return). I hope you can choose the T-bill market fund in U.S side and Yu’E Bao(it is almost risk free product in China). If you don’t have confidence to do Yu’e Bao well, I can handle it by myself.
Personal Information:
Name： Xin Wang
Age: 27
Level of education: master
Company：
CreditEase
Profession：Business Analytic
Salary：￥15k – ￥2.5k per month
Own: Honda Civil
Owe: None
Description： Yu Chen is a young teenager who works as a Business analytic in Shanghai. He has a good education background, which helps him find a decent job compared with most peers. However, Shanghai is a commercial center with fierce competition and luxury consumption, which makes him still feel anxious and tranquil about his future. That is the reason why he wants to make a financial planning so as to minimize the cost when there are some risk incur.
The first financial problem: How to choose the efficient approach to manage his own money.
Strategy1:
Strategy2:
The second financial problem: Working under the drastic competition circumstance causes higher chance to get serious illness. Therefore, it is absolutely necessary to draw up a plan to minimize the cost when it happened.
Strategy1:
Strategy2:
The third Financial problem: The aging is another serious problem needs to be solved, especially in China, due to the One-Child-Policy, China is going to suffer from the disastrous aftermath of aging population. How to keep financial independence under this serious situation should brought to the forefront by Yu Chen,
Strategy1:
Strategy2:
Format:
1. Use 11pts Cambria font /1.5 line spacing. Do not include irrelevant pictures to decorate the paper.
2. IMPORTANT: You must cite all references properly in the main text and attach the list of references. Follow the APA citation format.
Instructions:
You will create an imaginary person (or future yourself), and you will work as a personal financial counselor for the person. The final paper will be a professional-quality brochure to your client. You must use tables and figures effectively to show supporting evidence (data) of your recommendations.
Write a full report for the person for the various financial needs. You must list at least 3 problems to solve. Examples are personal/corporate tax problems, real estate, small business financing, auto insurance, home owners/renters insurance, life insurance, retirement planning, health insurance, and annuity, etc. State each problem in detail relating it with the person’s situation.
For each financial problem, your report must include (1) a table that describes the details of possible solutions, (2) a table to compare several solutions for each financial problem, and (3) supporting arguments with tables or graphs for the best solution you chose. It must be personalized advise rather than a general guide. The report should be based on associated data and actual quotes from real companies wherever possible using the exact characteristics of the client. It must clearly show the estimated monetary benefit of the recommended solution over the other options. This may require you to do some research into likely career and life paths of the fictional character and related financial earnings and risk. The evaluation will assess completeness of data, reasonableness of recommendations, effectiveness of presentation, and professionalism of the final document. You may not use financial planning software packages or commercially-marketed planning software for your report. It needs to be your own unique document. Submitting a report using a commercial product will render the project invalid.
A guide:
The goal of the project is the preparation of an Insurance Needs Assessment and Plan for yourself. The plan will comprise of a report on perceived future needs for managing risks such as automobile, homeowners, and life insurance, or retirement planning. You may also review options for health-risk management.
Project Phase 1: Develop a profile of risk management needs. This will require that you make predictions regarding how your future career and lifestyle might develop and prepare a related risk management needs assessment. The needs assessment should be shown on your proposal.
Project Phase 2: Develop a plan for yourself recommending the kinds and amounts of insurance coverage or risk management methods and justify your recommendations.
The following is my proposal; however, you can revise it when you believe you can do it better, but one point cannot be revised is the character who is from china. The reason why I do this is I want you to put emphasis of this paper on the risk diversified, my professor always says diversified, diversified. The reason why I choose you as my writer is that I read your previous work, you provide your financial suggestion and expectation, and then you provide bunch of data and calculation to prove what you believe in, so that is the main reason, it does not like other suck writer to do some tedious work, they just spend a majority words to introduce some common sense, what is nonsense! and cause the essay extremely boring and suck. So, I hope you can persist on your writing style on my essay.
I have a little suggestion for this essay, when you diversified the risk, due to the special background of this character, you can make him invest the U.S stock market and Chinese stock market at the same time to reduce the variance and uncertainty, and this person needs to have risk -free investment (low but steady return) and risk investment (risky but high return). I hope you can choose the T-bill market fund in U.S side and Yu’E Bao(it is almost risk free product in China). If you don’t have confidence to do Yu’e Bao well, I can handle it by myself.
Personal Information:
Name： Xin Wang
Age: 27
Level of education: master
Company：CreditEase
Profession：Business Analytic
Salary：￥15k – ￥2.5k per month
Own: Honda Civil
Owe: None
Description： Yu Chen is a young teenager who works as a Business analytic in Shanghai. He has a good education background, which helps him find a decent job compared with most peers. However, Shanghai is a commercial center with fierce competition and luxury consumption, which makes him still feel anxious and tranquil about his future. That is the reason why he wants to make a financial planning so as to minimize the cost when there are some risk incur.
The first financial problem:
How to choose the efficient approach to manage his own money.
Strategy1:
Strategy2:
The second financial problem:
Working under the drastic competition circumstance causes higher chance to get serious illness. Therefore, it is absolutely necessary to draw up a plan to minimize the cost when it happened.
Strategy1:
Strategy2:
The third Financial problem:
The aging is another serious problem needs to be solved, especially in China, due to the One-Child-Policy, China is going to suffer from the disastrous aftermath of aging population. How to keep financial independence under this serious situation should brought to the forefront by Yu Chen,
Strategy1:
Strategy2:
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