Case Study 代写:还款个案开头

2016-12-13 08:12

我们有一对夫妇在四十年代初。戴维有他自己的这家公司，他在那里旅行到人民的家来解决他们的问题。在他的商业费用后，他赚了85000美元的税前和任何其他扣除。

他的妻子珍妮佛在媒体收入135000美元年息税前。这是她的第二次婚姻。

他们在自己的家里支付了850000美元的抵押贷款，现在价值950000美元。这些抵押贷款的成本是每月5.60%美元，比20年的5895美元。这是一个标准的本金和利息的贷款。他们已经拥有了3年的家。

他们有三个孩子，一个16岁，14岁，一个10岁。他们都去私立学校的费用在65000元每年须在每学期初。一年有四个条件

他有65000美元的现金，自我管理的超级基金。他还薪水牺牲另外的5000美元以上的9%。

她的退休金有167000美元的资本保证基金。她也牺牲了10000美元的年工资

他们有一个共同的储蓄帐户，以20000美元的紧急情况。

他有一个定期存款10000美元的情况下，他需要现金的业务。

他们有共同的租户，在一个海滨小镇的一个投资单位。他们每周收到255美元的租金。它是由总租金的7%的代理人管理的。该单位目前价值215000美元，他们有一个完全吸引的信用线为155000美元。在授信额度的利率是年息5.65%按月支付。他们5年前购买了165000美元的单位。

戴维的一位客户建议他投资一个新的合资企业，将提高汽车的燃料效率70%。客户告诉戴维，他可以期望在12个月内他的钱四倍，但他必须在下周内投资，因为其他投资者都非常热衷，如果戴维延迟，他会错过了。

Case Study 代写还款个案开头

We have a couple in their early forties. David has his own IT business where he travels to peoples’ homes to fix their IT problems. After his business expenses he earns $85,000 before tax and any other deductions.
His wife Jennifer works in media earning $135,000 p.a. before tax. It is her second marriage.
They are paying off a mortgage of $850,000 on their own home which is now worth $950,000. The mortgage costs them $5,895 per month at a rate of 5.60% over 20 years. It is a standard principal and interest loan. They have owned the home for 3 years.
They have three children a 16 year old, 14 year old and a 10 year old. They all go to private schools at a cost of $65,000 p.a. Payable at the beginning of each term. There are four terms in the year
He has a Self Managed Superfund with $65,000 in cash. He also salary sacrifices a further $5,000 above the 9% p.a.
Her superannuation has $167,000 in a Capital Guaranteed Fund. She also salary sacrifices $10,000 p.a.
They have a joint savings account with $20,000 for emergencies.
He has a term deposit for $10,000 in case he needs cash for the business.
They have, as joint tenants, an investment unit in a seaside town. They receive $255 per week rent. It is managed by an agent for 7% of the gross rent. The unit is currently worth $215,000 and they have a fully drawn line-of-credit for $155,000. The interest rate on the Line-of-credit is 5.65% p.a. paid monthly. They purchased the unit 5 years ago for $165,000.
One of David’s clients has suggested he invest in a new venture that will improve fuel efficiency in cars by 70%. The client has told David that he can expect to quadruple his money in 12 months but that he must invest within the next week as other investors are very keen and if David delays he will miss out.