Stage 1: Today, a long time client named John Dough is at your office. He's there to introduce his teenage daughter Jane, who has just turned 18 years old. Jane still lives at home and she works a part time job totalling about 20 hours a week. She has a car for transportation and is preparing to go to Clackamas Community College in the fall, on her way to getting a 4 year degree at a local university. John wants to make sure his daughter develops an appreciation of the value of working with a financial planner. What specific type(s) of insurance to you recommend to Jane at this point in her life, and why? Stage 2: It's 8 years later and Jane is back in your office, this time without her dad. She graduated from a university a couple of years ago, with a degree in nursing. Her 26th birthday is coming up and she is excited about starting a new job in a local hospital next week where she will have a direct impact on patient care and wellness. She shares a small, pet-friendly apartment with her fiancee, Terry, a full time Starbucks Barista, who she met in college. Both of their names are on the lease. She still owns a "hand-me-down" car given to her by her parents and she recently rescued a cute little pit bull puppy that she named, Fluffy. Jane knows that her life situation is changing and she wants your advice on what kind of insurance she should have at this point in time. What type(s) of insurance do you recommend that she keep, add, change, or eliminate, and why? Stage 3: Several years have passed and Jane makes a new appointment with you. Jane is now 31 years old. She ended up marrying Terry, and they started a family. They now have a preschool child and another child is on the way. Jane makes a decent income as a nurse and is the sole "breadwinner" for the household. After graduating from the university, Terry quit his/her barista job and now cares for their child during the day while taking online classes to pursue a masters degree that will hopefully result in a great paying future job. Jane and Terry have decided that apartment living is getting too crowded and they will be closing on the purchase of a new house in another couple of weeks. They fell in love with a place in the West Hills of Portland which is located in an area that could be subject to landlides and/or soil liquefaction if "the big one" (Cascadia Fault Quake) hits, or the West Hills Fault decides to act up. Both Jane and Terry have cars, although both cars are a few years old. Fluffy has turned out to be a great guard dog, barking and growling at everyone who comes to the door of their apartment. Fluffy's behavior has made Jane worry about the safety of strangers who enter the apartment to do repairs. Jane looks at you and want's to know what kinds of insurance she should have as she embarks on the next stage of her life. She also wants an explanation of why you made those recommendations. What insurance should she keep, add, change or eliminate?