you just need to responed to these answere of other people and make a reply for each.

* For your peer replies, you should extend the discussion. Examples include asking a question, adding to your peer's content, or providing an alternative answer to what has been responded.

Using the instructions above, these are what you should respond on, following the instructions above:

1. When they are looking at the different insurance needs they should divide them into two categories: long term and short term. For long term, they should consider things like the loss of a job or income, an accident at work or an unforeseen death which causes the family to need extra support. They should keep these in mind when they want to start a family as well as they will want to keep the family protected. In the short term they should think about medical expenses. This would include the insurance for optical and dental expenses along with normal visits to the doctor. The factors he should consider while making this decision are his current health, their recent increase of income, and their goals as a family: whether or not they are going to have kids, a house, a cabin, and a car.

2. Yes they should change thier company-provided insurance if they have children. When they are originally picking out what inusracne types they want they should oof had that in mind but most people don't. Thier life has completely changed and with that so should their inusracne polices as well. They now need to account for education, food, and clothes for themselves and now thier kids. Even if they don't change anything they should no matter what look over the plans they picked and make sure they still cover the families needs. It would be highly unlikely if they kept the same plan after having kids because they now have to account for so many different aspects that come with a family.

__________________________________________________________________________________________________________________________

3- The key components of a financial statement analysis include the information inside the Income Statement, Balance Sheet and Statement of Cash Flow, which then can be used to complete financial equations that are crucial when measuring a company's performances over time. These equations then show a company's strength's and weaknesses, which then can help determine financial goals for the next year. If I were an investor, the single ratio I would focus on above all is Return on Assets, which tells the investor how good management is at making money because good management will find ways to make the most money out of their assets before they are completely depreciated. Also, it shows whether or not the company makes good decisions when buying expensive assets, because if they made a good investment, the asset will make the company way more money than it's initial purchase price. Almost all assets should benefit the company more than the assets worth.

4- The key components of financial statement analysis are the balance sheet, the income statement, and statement of cash flows. The balance sheet provides information about the companys financial position at a point of time. The income statement gives the companys financial performance over the past year. The cash flow statement tells if the company has enough cash flow from its operating activities. All these statements contain information needed for completing financial equations and finding ratios.

If I were an investor, I would focus on the price to earnings ratio. This ratio indicates how much investors are willing to pay for one dollar of reported earnings. Therefore this ratio would help me decide how much to invest.