types of risks to human assets

Question 1:

From Ch. 11.   List some of the types of promotes to cosmical proceeds and briefly illustrate how to refer them.

Student 1:

Human proceeds, besides referred to as cosmical high is an unaware asset   It can be classified as the economic treaindisputpowerful of a worker's test and skills. It includes proceeds enjoy order, grafting, information, skills, bloom, and other things employers treaindisputpowerful such as allegiance and promptitude.

There are promotes to cosmical proceeds. And there are some feasible ways to abandon the promotes. First of all, there is a intimidation to the cosmical itself. He can use food, exercises, emphasis skill to refer the promote. In condition of distemper, he can buy medical prophylactic, common and special disqualification prophylactic to refer the promote. In condition of future demise, of continuity, spirit prophylactic, food, exercises procure refer the promote, suitableness in condition of extra crave spirit, he can use precautionary shys, collective unendangeredty, legislation Medicare and special medical prophylactic to refer the promote. There is the promote of inferior proceeds and layoffs. In this condition, he can prevent up his precautionary shys, use the legislation unemployment benefits and invent another job to fasten free rights.

There are besides a few cosmical proceeds allied promotes, for sample, the honor of the singular proceeds. In this condition, he can vary his retreat shys and buy inflation defended securities.


Altfest, L., (2017), Singular Financial Planning, 2nd ed. McGraw-Hill. 

Human high. Retrieved from  https://www.investopedia.com/terms/h/humancapital.asp 

Question 2:

From Ch. 10.  What kinds of boardings are best availpowerful to shy for the down reimbursement on a branch to be made in three years? Explain.

Student 2:

There's multiple forms of boardings that would be befitting for shy for a down reimbursement on a branch in three years duration. The boardings would be common funds, fastenings, and unrepealed stocks. Personally, I wouldn't elect unrepealed stocks proper accordingly flush if boarding professionals opine the stocks unendangered, you indisputablely never comprehend what could fall. Look at what falled end in March at the source of COVID, I'm indisputpowerful most herd didn't see the jar that took assign future. However, I opine common funds and fastenings are twain completely grand libertys. Common funds boarding decisions are made by the shareholders and aim to detain a medley portfolio, suitableness tranquil being professionally managed. This is a pleasant and fairly unendangered liberty to prevent your coin suitableness most enjoyly receiving a pleasant yield end as courteous. Bonds are a pleasant and most enjoyly unendangeredr liberty than common funds. Bonds are basically a hypothecation to a legislation, usually at a predetermined diffusiveness of duration, where if you specie it in you procure admit what you paid end after a while share. As crave as the fastening is after a while a creditworthy legislation or friendship, fastenings are comprehendn to be super unendangered. If you're powerful to get fastenings in 1, 2, or 3 year increments, I would say fastenings would be my excellent for shy for the down reimbursement. 


Rosenberg, Eric. “Saving for a Down Payment: Where Should I Detain My Money?” Investopedia, Investopedia, 28 Aug. 2020, www.investopedia.com/articles/investing/092815/where-should-i-keep-my-down-payment-savings.asp.

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