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Ok so here goes, you and your beloved met at work so you guys have the same benefit package (health insurance, 401K, etc.) BUT he/she earns $1,000 MORE per month than you do. Score one for the gold diggers, what, what! You first need to adjust your budget to reflect the additional income. Now, assume that your new spouse has a student loan payment of $400 per month, an automobile payment of $250 each month, and a car insurance payment of $75 per month. Since you have added him/her to your insurance plan, the agent is offering a 5% discount off YOUR premium for multi-policies and will give an additional 5% discount if you pay your premium and your spouse’s premium FOR THE YEAR, to be billed in December. This is totally up to your team if you want to take advantage of the 5% discount… paying a yearly lump sum may prove too difficult for your budgets.

Here’s what you need to do:

Figure out your spouse’s take-home pay like you did for yourself in assignment #1

Increase your overall household budget to feed/support both of you

Determine how much money you have for discretionary spending.

Work on the car insurance scenario now that you have two vehicles to insure

NEXT:

Your spouse absolutely loves shoes. Kicks, boots, sandals, you name it, they are everywhere! You guys need MUCH more closet space to accommodate this obsession, so you have decided to purchase a home. Your parents have been kind enough to offer to put down 5% of the purchase price. You have a credit score of 700 (thanks to making on-time payments on that car!), and your spouse has a score of 770.

(KEEP READING)

Requirements:

Research homes available for sale in your zip code, your city, or in a surrounding area

Research all of the costs involved in purchasing a home (homeowners insurance, PMI, credit life insurance, umbrella policy, setting up utilities, moving cable, etc.)

Research what type of loan you want (how many years, fixed rate, ARM loan, etc.) Find out what your monthly payments are based on your credit score…also who’s score will they use? Yours? Your spouse’s?

Submit to me a new budget with your new home expenses included, and the aforementioned changes that have come with being married and having a household of TWO now, then show the increase in your overall expenses.

Calculate the percentage of your take home pay that is used to totally operate your home including the house note (this is a somewhat scary number at times). Remember with homeownership comes responsibility. Are you going to cut the grass or hire someone? What about a monthly allowance for repairs?

Take home pay for spouse

The city is Boston and According to the front to finish Take home pay for spouse part, I need 3 pages about this part.

 

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Making decisions as a group can be very challenging. It can lead to conflict and take up huge amounts of time, and often it is difficult to come to an agreement. Fortunately, several different techniques have been developed to overcome some of these difficulties. No one technique is considered the best for all situations, as all of the techniques have advantages and disadvantages.

For this assignment, first thoroughly review the background readings and pay close attention to three group decision-making processes—the Delphi technique, brainstorming, and the Nominal Group Technique. Pay close attention to the discussion of these methods in Rao (2009), Bolland and Fletcher (2012), and Sims (2002). The Anderson (1990) article will be helpful as well.

Below are three different scenarios. For each scenario, explain which group decision-making technique you would choose out of brainstorming, nominal group, or Delphi. Justify your answer with references from the required background materials. Your paper should be 1000 in length:

1. The company you work for is in crisis. Several new competitors have been rapidly growing and taking away your customers. Your company’s sales are steadily dropping. You and the rest of the top management team know that creative new strategies are needed in order to keep up with the new competitors. Nobody is sure what needs to be done, but it is clear something drastic and original needs to happen in order to keep the company afloat. The top management team members are all extroverts who are not afraid to speak up at meetings, but they are often prone to conventional thinking. Which group decision-making technique do you recommend? Explain your reasoning, and use references to Rao (2009), Bolland and Fletcher (2012), or Sims (2002) to support your answer.
2. Your company is facing cost overruns and needs solutions on how best to cut costs. The top management team includes both introverts and extroverts, with the extroverts usually dominating the conversation at meetings. Furthermore, meetings with this group often go off the agenda and drift into tangential subjects. A quick decision needs be made with input from all members of the team. Which group decision-making technique do you recommend? Explain your reasoning, and use references to Rao (2009), Bolland and Fletcher (2012), or Sims (2002) to support your answer.
3. Your company needs to purchase a new software system as the old one is out of date. Your team consists of IT managers from all of the company’s overseas divisions. These managers are highly skilled and very knowledgeable about the different software options, but it is difficult to arrange a meeting with them due to the time differences and their very busy schedules. The decision is not urgent, but you need to make a decision within the next three months. Which group decision-making technique do you recommend? Explain your reasoning, and use references to Rao (2009), Bolland and Fletcher (2012), or Sims (2002) to support your answer.
4. Conclude your paper with a discussion about which of the three group decision-making processes (nominal group, brainstorming, or Delphi) is the most useful for the largest number of situations. Explain your reasoning, and use references from the background materials to support your answer.

3 days ago

 

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Within the Discussion Forum area, write 300–600 words that respond to the following questions with your thoughts, ideas, and comments. This will be the foundation for future discussions by your classmates. Be substantive and clear, and use examples to reinforce your ideas:

The sale of alcoholic beverages is highly regulated in many places and the beverages themselves are heavily taxed. Everyone who sells alcohol must have some sort of license or permit to do so. In a bar or restaurant, you are licensed as an on-premise dealer.

Chose one of the following methods to assist for your paper submission 

Choice #1 

• How do the various federal, state, and local agencies police the purchasing of alcoholic beverages for retail sale?
• Why do regulations on alcohol purchasing vary between states? 
• Why do states have restrictions on supplier–customer relationships?
• What potential consequences can occur from not following the legal regulations? Include relevant examples.
• How can the employees protect themselves from legal liability for serving alcohol?

 

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