Hello

In: Business and Management

Submitted By legend0696
Words 427
Pages 2
TCH302 – PRINCIPLES OF FINANCE
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ASSESSED GROUP ASSIGNMENT – CASE 1
Roy Bemmer, 54, has lots of concerns about his finances such as "should I chance taking $5,000 and investing it aggressively?" and "How well am I able to retire at age 60 or 62?" Bemmer is also very concerned about unemployment. His income last year was $83,866, but he expects to earn only $27,000 this year. Earlier this year, he was downsized and took early retirement in order to keep his medical benefits. He was also laid off previously in the late 2010s. Right now, he is living "paycheck to paycheck."
Bemmer is currently working in a series of temporary jobs with variable hours, so his monthly income is unpredictable. His financial goal for the near term is to save as much as possible for retirement and accumulate liquid assets in case he becomes unemployed again. Within ten years, he wants to purchase a new $25,000 vehicle and take vacations costing $3,000 to $5,000 per year. After that, retirement is on the horizon. Bemmer would like to live off his investments and Social Security.
Fortunately, Bemmer has accumulated significant assets to help achieve his goals. His net worth is $700,200. This includes $406,172 in a former employer's 401(k), $102, 413 in seven different mutual funds, $5,750 in savings and checking accounts, and $25,865 in 14 certificates of deposit. Approximately 90% of Bemmer's portfolio is invested in growth or growth and income mutual funds, including five different Vanguard funds and five different Fidelity funds. Bemmer's $110,000 house is owned free and clear, along with $30,000 of property and a $20,000 car, and he has no other debts.
Bemmer's monthly expenses were not listed. He did note, however, that he put 15% of his salary, when he was working, into a 401(k). Currently, he invests all surplus funds in two Vanguard…...

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Hello

...Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello......

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...Hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello hello ......

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Hello

...Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello......

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...Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hello Hel......

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...Hey hi hello First use Hello, with that spelling, was used in publications as early as 1833. These include an 1833 American book called The Sketches and Eccentricities of Col. David Crockett, of West Tennessee,[2] which was reprinted that same year in The London Literary Gazette.[3] The word was extensively used in literature by the 1860s.[4] Etymology According to the Oxford English Dictionary, hello is an alteration of hallo, hollo,[5] which came from Old High German "halâ, holâ, emphatic imperative of halôn, holôn to fetch, used especially in hailing a ferryman."[6] It also connects the development of hello to the influence of an earlier form, holla, whose origin is in the French holà (roughly, 'whoa there!', from French là 'there').[7] As in addition to hello, halloo,[8] hallo, hollo, hullo and (rarely) hillo also exist as variants or related words, the word can be spelt using any of all five vowels.[citation needed] Telephone The use of hello as a telephone greeting has been credited to Thomas Edison; according to one source, he expressed his surprise with a misheard Hullo.[9] Alexander Graham Bell initially used Ahoy (as used on ships) as a telephone greeting.[10][11] However, in 1877, Edison wrote to T.B.A. David, the president of the Central District and Printing Telegraph Company of Pittsburgh: Friend David, I do not think we shall need a call bell as Hello! can be heard 10 to 20 feet away. What you think? Edison - P.S. first cost of sender & receiver......

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