Application: Assessment Questions

As consumers of psychological reports, it is important that clinicians be able to evaluate the validity of the information provided. In order to do so, they should be familiar with the characteristics (psychometric properties) of an assessment method that represent the reliability and validity of the method. In the last few weeks you explored the concepts of reliability, validity, standardization, and special populations related to psychological tests. Now you apply this knowledge and skills in evaluating psychological tests that might be used in an overall psychological assessment of your virtual client.

For this Assignment, review the interactive media, Virtual Client. Review the presenting problem and the assessment question that you developed in your Week 1 Assignment and consider any additional questions that you might formulate. Return to the Mental Measurements Yearbook and select two psychological tests that you might recommend for this client to assess the client’s needs. 

The Assignment (3–5 pages):

· Review the assessment question for your virtual client that you developed in Week 1. Consider any additional questions you might ask based upon the presenting problem.

· Select and critically analyze two tests from the Mental Measurements Yearbook database in the Walden Library, which may provide you information to answer the question.

· Compare the strengths and limitations of each test.

· Select the test which is most effective in answering the assessment question and justify your selection.

· Explain any insights you had or conclusions you drew based upon the comparison.

Client Scenario:

Emma Kinch

 

Emma Kinch is a 78 year-old native of Barbados who has spent the last 68 years living in the United States. Her  husband of 60 years died 3 months ago.  Emma has been blind since she developed severe cataracts at age 60, and her relationship with her husband was the main way in which she connected with the world beyond her immediate family.

 

More recently, she has been exhibiting signs of deep sadness and irritability.   She has become very withdrawn and no longer takes part in social circles such as church and the gardening club, both of which she and her husband were active members.  Also, her children have noticed that she is having difficulty remembering and seems confused when faced with daily routines.

 

Emma has also begun to have aggressive outbursts.  Last month, her doctor diagnosed her with Hypothyroidism, and this combined with the mood changes and mental confusion has resulted in her children bringing her to you for additional assessment and treatment.

 

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TRACKING

Date

Expense

Income

Category

Description

 My Categories

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5.

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First, save a copy of this file to your computer. Use a filename that reflects your name, for instance: "john_doe_tracking.pdf". Use this form to track your expenses and income for one month. You can create your own categories with the "My Categories" table. To input a category, type its number into the Category column and use the "Tab" key. The number will be replaced with your category. When making an entry, click the " " button to use the current date.

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Total $_____________ ÷ 12 = ______________*

*This amount is part of the monthly budget to cover irregular expenses.

NAME(S) ___________________________________ DATE _______________

REVOLVING SAVINGS ACCOUNT - (for irregular expenses) List all expenses that come irregularly throughout the year. List items such as: auto registration, auto insurance, life insurance, school expenses, birthdays, anniversaries, holidays, celebrations, and vacations.

Month Amount Month Amount January__________ ________ August__________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ February_________ ________ September________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ March___________ ________ October__________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ April____________ ________ November________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ May____________ ________ December________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ ________________ ________ June____________ ________ ________________ ________ TOTAL ________ ________________ ________ ________________ ________ July_____________ ________ ________________ ________ ________________ ________ ________________ ________

NAMES(S) ___________________________________ DATE ______________

RETIREMENT NEEDS ITEM RETIREMENT GOAL

1. Annual income needed at retirement in today’s dollars. 2. Estimated Social Security retirement benefit in today’s dollars.

Use the amount that is closest to the age at which you plan to retire (example: 1022 a month x 12 mo. = $12,264). If you need to request a statement, call SSA at (800)772-1213.

3. Defined benefit plan from an employer (ask your retirement benefit advisor how much you will receive annually in today’s dollars). This is not a 401(k)-type plan. Those plans go on line 7.

4. Additional annual income needed at retirement in today’s dollars. Subtract lines 2 and 3 from line 1.

5. Choose the number closet to the age you plan to retire. Enter the factor on line 5.

Age of retirement 55 60 65 70

Factor 21.0 18.9 16.4 13.6 6. Multiply line 4 by line 5. This is your retirement goal.

AMOUNT ALREADY AVAILABLE AS SAVINGS/INVESTMENTS 7. Employer savings plans, such as a 401(k). 8. IRAs and Keoghs. 9. Other investments, such as mutual funds, stocks, bonds, real

estate and other assets available for retirement. 10. Total retirement savings (add lines 7, 8, and 9).

FUTURE VALUE OF CURRENT SAVINGS/INVESTMENTS 11. Choose the number in the table that is the closest to the

number of years until you retire. Enter the factor on line 11.

Years to retirement 5 10 15 20 25 30 40

Factor 1.28 1.63 2.08 2.65 3.39 4.32 7.04 12. Multiply line 10 by line 11. 13. Additional retirement savings and investments needed at time

of retirement. Subtract line 12 from line 6.

ANNUAL SAVINGS NEEDED TO REACH RETIREMENT GOAL 14. Choose the number in the table that is the closest to the

number of years until you retire. Enter the factor on line 14.

Years 5 10 15 20 25 30 40

Factor 5.53 12.58 21.58 33.07 47.73 66.44 120.80 15. Divide line 13 by line 14. This is the amount you need to save

each year in order to reach your retirement goal.

EXAMPLE YOURS 1. $45,000 ___________

2. - $12,264 -___________

3. - $0 -___________

4. = $32,736 =__________

5. x 16.4 x __________

6. =$536,870 =__________

7. $64,037 ___________ 8. +$16,000 +__________ 9. +$0 +__________

10. =$80,037 =__________

11. x 4.32 x__________

12. =$345,760 =__________

13. =$191,110 =__________

14. ÷ 66.44 ÷__________

15. = $2,876 =__________

NAME(S) ______________________________________ DATE ____________

FINANCIAL RATIOS

BASIC LIQUIDITY RATIO

Importance: the basic liquidity ratio reveals the number of months a household could meet current expenses using liquid assets without additional income.

Liquid Assets (from Net Worth Statement) $______________ Monthly Expenses (from I and E Statement) ÷ $______________ Basic Liquidity Ratio = ______________

Recommendation: 3.0 or more

DEBT-TO-ASSET RATIO

Importance: measures solvency. If a person owes more than they own, they are insolvent. They would not be able to sell all their assets to pay all their debts.

Total Liabilities (from Net Worth Statement) $_______________ Total Assets (from Net Worth Statement) ÷ $_______________ Debt-to-Asset Ratio = _______________

Recommendation: the further below 1.0 the better. Over 1.0 is insolvent.

DEBT PAYMENT-TO-INCOME RATIO

Importance: shows ability to make current debt payments.

Annual Debt Payments (from I and E Statement) $_____________ Gross Income (from I and E Statement) ÷ $_____________ Debt Payment-to-Income Ratio = _____________

Recommendation: below .36 is adequate, .36 to .41 is marginal, above .41 is risky.

Total Assets $ __________ Total Liabilities - $ __________ NET WORTH = $ __________

NAME(S)________________________________ DATE ___________________

NET WORTH STATEMENT

ASSETS Market Value

LIQUID Cash __________ Checking __________ Savings __________ Certificate of Dep. __________ Money Market Funds __________ Other _________ __________ ______________ __________ ______________ __________ SUB-TOTAL __________

TANGIBLE Home __________ Auto __________ Auto __________ Personal Property __________ Other _________ __________ ______________ __________ ______________ __________ SUB-TOTAL __________

INVESTMENT Stocks __________ Bonds __________ Mutual Funds __________ Retirement Funds __________ Real Estate __________ Other _________ __________ ______________ __________ ______________ __________ SUB-TOTAL __________

TOTAL ASSETS __________

LIABILITIES Amount

SHORT-TERM Credit Card_____ __________ ______________ __________ ______________ __________ Other _________ __________ ______________ __________ ______________ __________ SUB-TOTAL __________

LONG-TERM Home __________ Auto __________ __________ Auto __________ __________ Student Loan __________ Home Equity __________ Other __________ __________ _______________ __________ _______________ __________ _______________ __________ SUB-TOTAL __________

TOTAL LIABILITIES __________

NAME(S) __________________________________ DATE ________________

LIFE INSURANCE NEEDS

ITEM EXAMPLE YOUR AMOUNT

1. INCOME -REPLACEMENT Enter 75% of your current income. $30,000 $______________ 2. YEARS INCOME WILL BE NEEDED YEARS 10 15 20 25 30 40 FACTOR 8.98 12.84 16.35 19.52 22.39 31.42

Enter the factor number x 22.39 x______________ 3. SUBTOTAL 671,700 ______________ 4. FUNERAL EXPENSES Enter the amount for funeral expenses and other final-expense needs. + 10,000 +______________ 5. DEBT Enter the total amount of all debt owed. +140,000 +______________ 6. OTHER Consider other needs such as college-expenses, a readjustment-period for a spouse, or day care. + 0 +______________ 7. TOTAL EXPENSES Add lines 3, 4, 5, and 6. 821,700 ______________ 8. GOVERNMENT BENEFITS Take the monthly amount of Social Security survivor benefits and other benefits and multiply them by twelve and then multiply by the number of years they will be received. Subtract that amount ($1237 x 12 months x 14 years). - 207,816 - ______________ 9. OTHER Subtract other items such as current assets or added income from family members for the same time period as above. - 300,000 - ______________ 10. TOTAL This is how much insurance is needed to cover the needs of your survivors. $313,884 $______________

Income $ __________ Expense - $ __________ NET Gain/Loss = $_________

Saved/Invested $ _________

NAME(S) ___________________________ DATE - from _________ to _______

INCOME AND EXPENSE STATEMENT

EXPENSES

Fixed Rent/Mortgage __________ Savings/Investment __________ Revolving Savings __________ Loans __________ __________ _______________ __________ Insurance __________ Other __________ __________ _______________ __________ SUB-TOTAL __________

Variable Utilities __________

Phone/Cell __________ Cable __________ Other _______ __________

Food - groceries __________ Eating Out __________

Gasoline for Autos __________ Household __________ Personal Care __________ Clothing __________ Laundry/Dry Clean __________ Medical - Doctors __________

Prescriptions __________ Personal Allowance __________ Entertainment __________ Contributions __________ Miscellaneous __________ Other _________ __________ SUB-TOTAL __________ EXPENSE TOTAL __________

INCOME Amount

Salary (take home) __________ ________________ __________ ________________ __________ ________________ __________ Bonuses, tips, etc. __________ Interest and Dividends __________ Other ___________ __________ ________________ __________ ________________ __________ INCOME TOTAL __________

NAME(S) ________________________________ DATE _______________

FINANCIAL GOALS

SHORT-TERM 0-12 Months Description Plan Cost Date

INTERMEDIATE 1-5 Years Description Plan Cost Date

LONG-TERM 5 or more Years Description Plan Cost Date

NAME(S) _____________________________ BUDGET MONTH __________

INCOME SOURCE BUDGETED ACTUAL DIFFERENCE __________________ __________ __________ __________ __________________ __________ __________ __________ __________________ __________ __________ __________ TOTAL __________ __________ __________

EXPENSES BUDGETED ACTUAL DIFFERENCE FIXED Mortgage or Rent __________ __________ __________ Savings __________ __________ __________ Revolving Savings __________ __________ __________ Loans_______________ __________ __________ __________ ____________________ __________ __________ __________ Insurance __________ __________ __________ Other_______________ __________ __________ __________ SUB-TOTAL __________ __________ __________

VARIABLE Food - Groceries __________ __________ __________

Eating Out __________ __________ __________ Utilities - Natural Gas __________ __________ __________

Electricity __________ __________ __________ City __________ __________ __________ Telephone __________ __________ __________ Other __________ __________ __________

Auto Gasoline __________ __________ __________ Household/Personal Care __________ __________ __________ Clothing __________ __________ __________ Laundry/Dry Cleaning __________ __________ __________ Medical Bills/Prescriptions __________ __________ __________ Personal Allowance __________ __________ __________ Entertainment __________ __________ __________ Contributions __________ __________ __________ Miscellaneous __________ __________ __________ Other _______________ __________ __________ __________ SUB-TOTAL __________ __________ __________ EXPENSE TOTAL __________ __________ __________

The Financial Checkup Assignment Information

NOTE: The Financial Checkup assignment is worth more points than anything else you will do this semester.

It will be very helpful for you to watch the videos of how to fill out the worksheets that are included in the modules.

The worksheets need to be turned in as ONE FILE. If you need more tracking sheets, you can use individual sheets from the case study and attach them separately. The paper will be attached separately as well.

Completing the worksheets will take a while. You can start working on several of the worksheets. I have written some information that will help you do well on that assignment.

The Financial Checkup - Help for Students

The Financial Checkup booklet is self explanatory and can be completed without any extra explanation. However, as a student you may benefit from the following additional information.

Some students feel that they are not at a point in their lives to benefit from the worksheets. Keep this in mind - you need to start somewhere. By doing the worksheets now, you will have a base to go from. As your life becomes more complicated, you will already know how to complete the worksheets.

If you are married it is best to complete the worksheets with your spouse combining all information (except the life insurance worksheet which should only be done for one person). If this is not possible, try to keep as much as you can separate. If you have the class with your spouse, complete all the assignments together but turn in two copies, one with each name on it.

If you do not have an item on one of the worksheets, it is best to put a zero there. When the paper is graded, we will know you didn't just forget that portion. Following is some specific information on the worksheets:

Net Worth Statement: Be sure to use the fair market value (what you could sell it for) when writing down the amounts of the assets. Be sure to write total balance due, not the monthly payment on the liabilities.

Income and Expense Statement: Use your tracking information to complete this statement (turn in your tracking sheets with the worksheets). Be sure to put zeros on the income sections if you do not have an income at this time. If you receive money from parents to pay for your expenses, write that amount as income and write down how you spent it. If your parents pay for your credit card purchases, also write down what you spent and count what they pay as income. DO NOT COUNT ANYTHING TWICE. Don't count a credit card purchase and also your credit card payment that has the same purchase on it. Don't count money taken out of savings as income. For many of you, this will make your worksheet look quite bad. That is likely to happen at this time in your life. Hopefully it will improve soon.

Financial Ratios: The first two come directly off the Net Worth and Income and Expense Statements. The last one, debt payment-to-income ratio needs some calculation. Take your monthly debt payments from your Income and Expense Statement, add them all together and multiply that by 12. Enter that amount on the first line. Your gross income may not be on your Income and Expense Statement if you used your take-home pay on that statement. You can get that information from your tax return form or W-2 form. You can also look at a payment stub and multiply the gross amount by the number of pay periods you receive in one year.

Revolving Savings: Think of all the expenses you have throughout the year that are not regular (car registration, tuition, birthdays and holidays, insurance that isn't paid monthly, etc.) Put each expense on the worksheet under the month it is due with the amount due. Total all expenses and divide that by 12. That amount is how much you will need to take out of your monthly budget.

Retirement: This worksheet is one of the more complicated ones, but it is not hard. On line 1 just estimate how much you want to live on. You can ask someone who is retired how much they recommend. The example uses $45,000. This would be a moderate income. If you do not have a Social Security Benefit Statement for line 2, you can use the example information. Line 3 is for a defined contribution pension only. Most companies do not use this type of retirement plan now. You will likely have zero on this line. Line 7 is used for the more common 401(k) plans. Only put amounts on lines 7-9 if you really have money in those funds. Follow all of the steps to reach the amount you need to save each year to reach your retirement goals. If you find that it is a very high number there may be several reasons. If you do not have a work retirement program yet, the worksheet shows that you need to save more to make up for that. Also, if you plan to retire before age 65, you will need to save a lot more. Try changing your retirement age and see how much difference that makes. Finally, this worksheet does take inflation and taxes into account; however, it is based on a moderate investment. If you invest more aggressively, you may not need to save as much each year.

Life Insurance: If you do not have any dependents, the amount on line 1 will be zero. This is the amount you want to leave behind for your dependents. Line 8 will also be zero if you have no dependents because there will be no one to receive the benefits. If you do have dependents, you can just choose how much you want to leave them for an annual income. It doesn’t have to be 75% of your income.

Goals: Complete at least one goal in each area (short, intermediate, long). Try to be as specific as possible with each goal. You will need to fill out each box for one goal in each area to get full points.

Budget: If you do not have an income at this time, be sure to put zeros on the total lines on the income section. Use your Income and Expense Statement to estimate what you will spend (budgeted column). Write down what you actually spent during the month (actual), and find the difference between the two columns for each item (difference).

Paper: Analyze each worksheet. Explain what you learned from each worksheet and what your financial situation looks like in each of those areas. Each evaluation needs to only be one paragraph. Make sure you put a heading on each paragraph for each worksheet. Write a final paragraph evaluating your overall financial situation.

After reading this information and looking in the Financial Checkup booklet, if you have any questions, please contact me.

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Financial Checkup Tool

© 2012 USU/GJ

1

2/13/12

[email protected]

Financial Checkup Tool

Tracking Sheet

Date

Expense

Income

Category

Description

My Categories

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

Use this form to track your expenses and income for one month. When making an entry, click the "        " button to input the current date, or place the cursor into the field and click the "      " button to select the date from the calendar tool.

 

You can create your own categories with the "My Categories" table. To create a category, type the category's name next to a number. To input a category, type its number into the "Category" column and use the "Tab" key. The number will be replaced with your category's name. 

Net Worth

Liquid

Tangible

Investment

Short-Term

Long-Term


Net Worth Statement

Income and Expense Statement

Net Gain or Loss

Fixed Expenses

Variable Expenses

Income


Financial Ratios

Basic Liquidity Ratio

The basic liquidity ratio reveals the number of months a household could meet current expenses using liquid assets without additional income.

 

Recommendation: 3.0 or more

Debt-to-Asset Ratio

The debt-to-asset ratio solvency.  If a person owes more than they own, they are insolvent.  They would not be able to sell all their assets to pay all their debts.

 

Recommendation: The further below 1.0 the better. Over 1.0 is insolvent.

Debt Payment-to-Income Ratio

The debt payment-to-income ratio shows the ability to make current debt payments.

 

Recommendation: below .36 is adequate, .36 to .41 is marginal, above .41 is risky.

Revolving Savings Budget calculator

Irregular Monthly Expenses

Irregular Expenses Total

# of Months

Budget Amount to Savings

Revolving Savings


Retirement Needs

RETIREMENT GOAL    

 Example         

Yours

1. Annual income needed at retirement in today's dollars.

$45,000

2. Estimated Social Security retirement benefit in today's dollars.*

-

$12, 264

-

3. Defined benefit plan from an employer in today's dollars.

-

$0

-

4. Additional annual income needed at retirement in today's dollars.

=

$32, 736

=

X

16.4

X

6. Multiply line 4 by line 5 to calculate Retirement Goal.

=

$536, 870

=

* Use the amount that is closest to the age at which you plan to retire (example: 1022 a month x 12 mo. = $12,264).  If you 

  need to request a statement, call SSA at (800) 772-1213.

AMOUNT ALREADY AVAILABLE AS SAVINGS/INVESTMENTS

 Example         

Yours

7. Employer savings plan, such as 401(k).

$64,037

8. IRAs and Koeghs.

+

$16,000

+

9. Other investments (mutual funds, stocks, bonds, real estate, etc.).

+

$0

+

10. Total retirement savings.

=

$80,037

=

FUTURE VALUE OF CURRENT SAVINGS/INVESTMENTS

 Example         

Yours

X

4.32

X

12. Future Value of Current Savings/Investments.

=

$345,760

=

ANNUAL SAVINGS NEEDED TO REACH RETIREMENT GOAL

 Example         

Yours

13. Retirement Goal (line 6).

$536,870

14. Future Value of Current Savings/Investments (line 12).

-

$345,760

-

15. Additional Savings needed at time of retirement.

=

191.110

=

/

66.44

/

17. Annual Savings Needed to Reach Retirement Goal.

=

$2,876

=


Life Insurance Needs

INCOME-REPLACEMENT FOR SURVIVORS

 Example         

Yours

1. Enter 75% of your current Income.

$30,000

X

22.39

X

3. Total Income-Replacement.

=

$671,000

=

EXPENSES

 Example         

Yours

4. Funeral expenses.

$10,000

5. Debt.

+

$140,000

+

6. Other Expenses (day care, college, readjustment period for spouse, etc.).

+

$0

+

7. Total Income-Replacement (line 3)

$671,000

8. Total Expenses.

=

$821,700

=

FUNDS FROM OTHER SOURCES

 Example         

Yours

9. Government Benefits.*

$207,816

10. Other Funds (current assets, income from family members, etc.)

+

$300,000

+

11. Total Funds from Other Sources.

=

$507,816

=

* Take the monthly amount of Social Security survivor benefits and other benefits and multiply by twelve and then multiply by the number of years benefits will be received (Example: $1237 x 12 months x 14 years = $207,816).

TOTAL INSURANCE NEEDED

 Example         

Yours

12. Total Expenses (line 8).

$821,700

-

13. Total Funds from Other Sources (line 11).

-

$507,816

-

14. Total Insurance Needed

=

$313,884

=


Financial Goals

SHORT-TERM

0 - 12 Months

Description

Plan

Cost

Date

INTERMEDIATE

1 - 5 Years

Description

Plan

Cost

Date

LONG-TERM

5 or more Years

Description

Plan

Cost

Date

Monthly Budget

Income

Budgeted

Actual

Difference

Salary (take home)

Bonuses, tips, etc.

Interest & Dividends

Total Income

Fixed Expenses

Budgeted

Actual

Difference

Mortgage or Rent

Savings

Revolving Savings

Insurance

Total Fixed Expenses

Variable Expenses

Budgeted

Actual

Difference

Food: - Groceries

- Eating Out

Utilities: - Natural Gas

- Electricity

- City

- Telephone

Auto Gas

Household/Personal Care

Clothing

Laundry/Dry Cleaning

Medical Bills/Prescriptions

Personal Allowance

Entertainment

Contributions

Miscellaneous

Total Variable Expenses

Net Gain or Loss

Budgeted

Actual

Difference

Income

Expenses

Net/Gain

  1. close:
  2. TS:
  3. NW:
  4. IE:
  5. FR:
  6. RSA:
  7. RN:
  8. LI:
  9. FG:
  10. MB:
  11. Button1:
  12. Date1:
  13. expense1:
  14. income1:
  15. category1:
  16. description1:
  17. Button2:
  18. Date2:
  19. expense2:
  20. income2:
  21. category2:
  22. description2:
  23. Button3:
  24. Date3:
  25. expense3:
  26. income3:
  27. category3:
  28. description3:
  29. Button4:
  30. Date4:
  31. expense4:
  32. income4:
  33. category4:
  34. description4:
  35. Button5:
  36. Date5:
  37. expense5:
  38. income5:
  39. category5:
  40. description5:
  41. Button6:
  42. Date6:
  43. expense6:
  44. income6:
  45. category6:
  46. description6:
  47. Button7:
  48. Date7:
  49. expense7:
  50. income7:
  51. category7:
  52. description7:
  53. Button8:
  54. Date8:
  55. expense8:
  56. income8:
  57. category8:
  58. description:
  59. Button9:
  60. Date9:
  61. expense9:
  62. income9:
  63. category9:
  64. Button10:
  65. Date10:
  66. expense10:
  67. income10:
  68. category10:
  69. Button11:
  70. Date11:
  71. expense11:
  72. income11:
  73. category11:
  74. Button12:
  75. Date12:
  76. expense12:
  77. income12:
  78. category12:
  79. Button13:
  80. Date13:
  81. expense13:
  82. income13:
  83. category13:
  84. Button14:
  85. Date14:
  86. expense14:
  87. income14:
  88. category14:
  89. Button15:
  90. Date15:
  91. expense15:
  92. income15:
  93. category15:
  94. Button16:
  95. Date16:
  96. expense16:
  97. income16:
  98. category16:
  99. Button17:
  100. Date17:
  101. expense17:
  102. income17:
  103. category17:
  104. Button18:
  105. Date18:
  106. expense18:
  107. income18:
  108. category18:
  109. Button19:
  110. Date19:
  111. expense19:
  112. income19:
  113. category19:
  114. Button20:
  115. Date20:
  116. expense20:
  117. income20:
  118. category20:
  119. Button21:
  120. Date21:
  121. expense21:
  122. income21:
  123. category21:
  124. Button22:
  125. Date22:
  126. expense22:
  127. income22:
  128. category22:
  129. Button23:
  130. Date23:
  131. expense23:
  132. income23:
  133. category23:
  134. Button24:
  135. Date24:
  136. expense24:
  137. income24:
  138. category24:
  139. Button25:
  140. Date25:
  141. expense25:
  142. income25:
  143. category25:
  144. Button26:
  145. Date26:
  146. expense26:
  147. income26:
  148. category26:
  149. Button27:
  150. Date27:
  151. expense27:
  152. income27:
  153. category27:
  154. Button28:
  155. Date28:
  156. expense28:
  157. income28:
  158. category28:
  159. Button29:
  160. Date29:
  161. expense29:
  162. income29:
  163. category29:
  164. Button30:
  165. Date30:
  166. expense30:
  167. income30:
  168. category30:
  169. categories1:
  170. categories2:
  171. categories3:
  172. categories4:
  173. categories5:
  174. categories6:
  175. categories7:
  176. categories8:
  177. categories9:
  178. categories10:
  179. exampleDD:
  180. exampleDate:
  181. assetsTotal: 0.00000000
  182. liabilitiesTotal: 0.00000000
  183. net: 0.00000000
  184. cash:
  185. checking:
  186. savings:
  187. CD:
  188. moneyMarket:
  189. other1Text: Type other here
  190. other1:
  191. other2Text: Type other here
  192. other2:
  193. other3Text: Type other here
  194. other3:
  195. other4Text: Type other here
  196. other4:
  197. other5Text: Type other here
  198. other5:
  199. subTotalLiquid: 0.00000000
  200. subTotalLiquidManual:
  201. hide:
  202. show:
  203. home:
  204. auto1:
  205. auto2:
  206. pers:
  207. subTotalTangible: 0.00000000
  208. subTotalTangibleManual:
  209. stocks:
  210. bonds:
  211. mutual:
  212. retire:
  213. real:
  214. subTotalInvest: 0.00000000
  215. subTotalInvestManual:
  216. assetsTotalManual:
  217. checkAssets:
  218. cc1:
  219. cc2:
  220. cc3:
  221. cc4:
  222. cc5:
  223. subTotalShortTerm: 0.00000000
  224. subTotalShortTermManual:
  225. loan:
  226. subTotalLongTerm: 0.00000000
  227. subTotalLongTermManual:
  228. liabilitiesTotalManual:
  229. checkLiabilities:
  230. incomeTotal: 0.00000000
  231. expensesTotal: 0.00000000
  232. rent:
  233. revolving:
  234. loan1:
  235. loan2:
  236. insurance:
  237. subTotalfixed: 0.00000000
  238. subTotalfixedManual:
  239. utilities:
  240. phone:
  241. cable:
  242. food:
  243. restaurant:
  244. gas:
  245. household:
  246. personalCare:
  247. clothing:
  248. laundry:
  249. doctors:
  250. prescription:
  251. allowance:
  252. entertainment:
  253. contributions:
  254. subTotalvariable: 0.00000000
  255. subTotalvariableManual:
  256. salary:
  257. bonuses:
  258. interest:
  259. assets:
  260. expenses: $0.00
  261. liquidRatio:
  262. liabilities:
  263. debt_assetRatio:
  264. payments:
  265. income:
  266. debt_incomeRatio:
  267. janTotal: 0.00000000
  268. febTotal: 0.00000000
  269. marTotal: 0.00000000
  270. aprTotal: 0.00000000
  271. mayTotal: 0.00000000
  272. junTotal: 0.00000000
  273. julTotal: 0.00000000
  274. augTotal: 0.00000000
  275. sepTotal: 0.00000000
  276. octTotal: 0.00000000
  277. novTotal: 0.00000000
  278. decTotal: 0.00000000
  279. expensesTot: 0.00000000
  280. monthNumber: 12
  281. monthlyPayment: 0.00000000
  282. button:
  283. item1: item
  284. amount1:
  285. item2: item
  286. amount2:
  287. item3: item
  288. amount3:
  289. item4: item
  290. amount4:
  291. social:
  292. defined:
  293. annual: 0.00000000
  294. DataDropDownList:
  295. factor:
  296. goal: 0.00000000
  297. fourohone:
  298. ira:
  299. other:
  300. factor4:
  301. future: $0.00
  302. additional: 0.00000000
  303. factor5:
  304. incomer: 0.00000000
  305. funeral:
  306. debt:
  307. benefits:
  308. funds: $0.00
  309. total: 0.00000000
  310. TextField1:
  311. TextField3:
  312. NumericField1:
  313. DateTimeField1:
  314. TextField2:
  315. TextField4:
  316. DateTimeField2:
  317. b1:
  318. a1:
  319. d1: 0.00000000
  320. b2:
  321. a2:
  322. d2: 0.00000000
  323. b3:
  324. a3:
  325. d3: 0.00000000
  326. b4:
  327. a4:
  328. d4: 0.00000000
  329. b5:
  330. a5:
  331. d5: 0.00000000
  332. b6:
  333. a6:
  334. d6: 0.00000000
  335. b7:
  336. a7:
  337. d7: 0.00000000
  338. b8:
  339. a8:
  340. d8: 0.00000000
  341. b: 0.00000000
  342. a: 0.00000000
  343. d: 0.00000000
  344. b9:
  345. a9:
  346. d9: 0.00000000
  347. b10:
  348. a10:
  349. d10: 0.00000000
  350. b11:
  351. a11:
  352. d11: 0.00000000
  353. b12:
  354. a12:
  355. d12: 0.00000000
  356. b13:
  357. a13:
  358. d13: 0.00000000
  359. b14:
  360. a14:
  361. d14: 0.00000000
  362. b15:
  363. a15:
  364. d15: 0.00000000
  365. b16:
  366. a16:
  367. d16: 0.00000000
  368. b17:
  369. a17:
  370. d17: 0.00000000
  371. b18:
  372. a18:
  373. d18: 0.00000000
  374. b19:
  375. a19:
  376. d19: 0.00000000
  377. b20:
  378. a20:
  379. d20: 0.00000000
  380. b21:
  381. a21:
  382. d21: 0.00000000

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