Need help with finance class questions,

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Need help with 11 questions.

Just a paragraph or 2 each.

1.What strategies might you implement to lower your insurance costs, while at the same time minimizing the risks involved in lowering such coverage? For example, in the area of health insurance, ask whether you are a smoker. In the area of auto insurance, how could your driving habits change? 2.What are group health insurance plans and individual health insurance? 3. what are the major provisions of a health insurance policy? Provide a discussion of each one 1.What forms of insurance coverage do you currently carry and pay for? As a percentage of your estimated monthly disposable income (which you identified in Week 2), what proportion do these coverages represent? Are there areas where you feel you are underinsured? Overinsured? What trade-offs are involved in determining the amount of insurance coverage you currently carry? 2. There are four major methods to manage risk. What are they? Provide examples of each. 3. What are the steps in planning your personal insurance coverage? Please provide an outline of your own personal insurance program using these steps. Be specific. 1. Discuss the factors that may lead to an appreciation in the value of a home over the next 15 years. Discuss the factors that may lead to a depreciation in the value of a home over the next 15 years. How will the value of your home affect the amount of tax to which your estate will be liable subject to your death? 2. What is included in an estate? What are the various ways to handle the payment of the estate tax? 3. Distinguish among the various types of trusts used in estate planning? U.S. Treasury bills held to maturity have a beta of zero. Why? Discuss the implications of this risk-return trade-off with respect to your overall investment portfolio as you approach retirement age. Are there any assets that you would avoid investing in as you near retirement age? What are examples of defined-contribution plans? How do they differ from defined-benefit plans