Assume today is March 16, 2016. Natasha Kingery is 30 years old and has a Bachelor of Science degree in computer science. She is currently employed as a Tier
2 field service representative for a telephony corporation located in Seattle, Washington, and earns $38,000 a year that she anticipates will grow at 3% per
year. Natasha hopes to retire at age 65 and has just begun to think about the future.
Natasha has $75,000 that she recently inherited from her aunt. She invested this money in 30-year Treasury Bonds. She is considering whether she should
further her education and would use her inheritance to pay for it.
She has investigated a couple of options and is asking for your help as a financial planning intern to determine the financial consequences associated with
each option. Natasha has already been accepted to both of these programs, and could start either one soon.
One alternative that Natasha is considering is attaining a certification in network design. This certification would automatically promote her to a Tier 3
field service representative in her company. The base salary for a Tier 3 representative is $10,000 more than what she currently earns and she anticipates
that this salary differential will grow at a rate of 3% a year as long as she keeps working. The certification program requires the completion of 20 Web-based
courses and a score of 80% or better on an exam at the end of the course work. She has learned that the average amount of time necessary to finish the program
is one year. The total cost of the program is $5000, due when she enrolls in the program. Because she will do all the work for the certification on her own
time, Natasha does not expect to lose any income during the certification.
Another option is going back to school for an MBA degree. With an MBA degree, Natasha expects to be promoted to a managerial position in her current firm. The
managerial position pays $20,000 a year more than her current position. She expects that this salary differential will also grow at a rate of 3% per year for
as long as she keeps working. The evening program, which will take three years to complete, costs $25,000 per year, due at the beginning of each of her three
years in school. Because she will attend classes in the evening, Natasha doesn’t expect to lose any income while she is earning her MBA if she chooses to
undertake the MBA.
As indicated by dictionary.com hard rock is a style which is "musically straightforward and typically high intensified style of awesome". In the late twentieth century towards the finish of the 1960's numerous individuals became burnt out on the hallucinogenic development and of gatherings, for example, The Beetles, they were searching for something harder. A portion of the primary groups to breakout of this standard were Led Zeppelin, Iron butterfly, The Who, and that's only the tip of the iceberg. Hard rock basically ruled the music scene during the 1970's. After some time hard rock turned out to be more enhanced and str Hard rock music`evelopment of a melodic sexual orientation, there were a couple of periods in hip-bounce history. Without a doubt, the possibility of «cultural hip-jump " has a few adoptive parents like Africa Bambaataa or Kool Herc for instance. They had for basic to lead the road gatherings of Bron Besides, it is sure that the term hip-bounce was conceived in these square gatherings, that were simultaneously places of melodic admixture between disco, electro music, funk and Jamaican sounds. In the squares parties for instance, the rappers and the artists practice were actually held by the beat and the scrutinizing of the Masters of functions. To be sure, the trades of the artists and the rappers among them and with people in general change the ceremonial battles of locale into stages arranged by breakers idealizing their style in a few moves. Hip bounce has created itself as the years progressed. To be sure, to truly comprehend in which setting the hip-jump's way of life was conceived, it is important to know, the unstable monetary and social circumstance of the Afro-American and Latin American classes in New York City. While after the Second World War, the areas, for example, Harlem, Brooklyn or the Bronx speak to the expectation for the African-American, Puerto Rican, Irish, Italian and Jewish families, during the 60s, the modern employments leave the regions to amass in the north rural areas. Whites follow and the estimation of the land breakdown. The land theorists like to shave their old structures instead of to reestablishing them. In 1989, we can say that hip-bounce moved on from its modest, exciting sources as inventive gathering music in the Bronx in the late 1970s. As individuals know, hip-jump began as a stage for African-American youth to voice their disappointment and to fell free. This year wasn't generally the year where hip-jump began shinning; it was still observed as a kind of underground and came up short on the huge pop beginnings of sorts like R&B or rock. 39. The indistinguishable developments structure and are quelled: murder of Martin Luther King in April, 1968, and of Malcolm X. The people group of huge urban communities, specifically New York, pull back on themselves in ghettos where posses take an increasingly more checked social significance. The frailty, the wrongdoing and the medication are then a piece of the regular day to day existence. >GET ANSWER