please help me on these lessons I really need the help this is all the money I have at the moment until I get payed and these lesson are way passed due please help me thanks

GBS132 Personal and Family Financial Security Lesson 6: Exercise 1 of 4 Part 1 Please upload your Lesson 6 - Rent or Buy. 2 of 4 What recommendation would you make to Celia? Should she rent or buy - why? Use 3% as the \"Annual Appreciation of the Home\" in line 12 Assume Celia's "security deposit" is equal to one month's rent of $725. Also assume a 4% rate on her savings, a 6% mortgage interest rate. 3 of 4 Part 2 Please upload your Lesson 6 - Mortgage Refinancing 4 of 4 What recommendation would you make to Heather? Should she refinance at this time - why? GBS132 Personal and Family Financial Security Lesson 7: Exercise Part 1 Cheryl Thompson, a recent college graduate, has decided to accept a job offer from a nonprofit organization. She'll earn $34,000 a year but will receive no employee health benefits. Cheryl estimates that her monthly living expenses will be about $2,000 a month, including rent, food, transportation, and clothing. She has no health problems and expects to remain in good health in the near future. Using the Internet or other resources, gather information about three health insurance policies that Cheryl could purchase on her own. Include at least one HMO. Using the worksheet provided, compare the policies' features. 1). Should Cheryl buy health insurance? Why or why not? Assuming that she does decide to purchase health insurance, which of the three policies would you recommend and why? Use the information provided in Part 1 to complete Lesson 7 Template - Health Insurance. Part 2 2). Joe Marcy, a 35-year-old computer programmer, earns $72,000 a year. His monthly take-home pay is $3,750. His wife, Mary, works part-time at their children's elementary school but receives no benefits. Under state law, Joe's employer contributes to a workers' compensation insurance fund that would provide $2,250 per month for 6 months if Joe were disabled and unable to work. Use the worksheet provided to calculate Joe's disability insurance needs assuming that he won't qualify for Medicare under his Social Security benefits. Based on your calculations, what would you advise Joe about his need for additional disability income insurance? Discuss the type and size of disability income insurance coverage he should consider, including possible provisions he might want to include. What other factors should he take into account if he decides to purchase a policy? Use the information provided in Part 2 to complete Lesson 7 Template - Disability Benefits