How would you rate the financial status of the Garners before the air conditioner broke down?

You read in Chapter 13 that it is vital to reduce your credit card balances and other consumer credit before beginning an investment program. You also need to start an emergency fund in case of immediate need. Why do financial advisers make such recommendations? Why should you reduce spending on credit before investing? Why shouldn’t you carry large consumer debt and invest at the same time? On the surface, these questions may sound silly but there are sound reasons for asking them. Post your position in the discussion board in at least 200 words incorporating your rationale with supportive references. Respond to at least two of your classmates’ postings.

Forum #2

Read the Financial Planning Case at the end of Chapter 13, “First Budget, Then Invest for Success!” Answer the three questions listed below.

How would you rate the financial status of the Garners before the air conditioner broke down?
The Garners’ take-home pay is over $4,500 a month. Yet, after all expenses are paid, there is only a $220 surplus each month. Based on the information presented in this case, what expenses, if any, seem out of line and could be reduced to increase the surplus at the end of the month?
Given that both Joe and Mary Garner are in their mid-30s and want to retire when they reach age 65, what type of investment goals would be most appropriate for them?

Post your position in the discussion board in at least 200 words. Respond to at least two of your classmates’ postings.

Forum #3

Watch the video, Understanding the Time Value of Money, and answer the following questions. How does the “time value of money” impact the process of risk management decision-making? What does the net present value of a loss control investment really represent to the owners of the organization? Respond to at least two of your classmates’ postings.

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