Sample direct cost components: first costs and its elements (P); annual costs (AOC or M&O); salvage/market value (S) Approaches: bottom-up; design-to-cost (top down) Accuracy: feasibility stage through detailed design estimates require more exacting estimates Some techniques: unit; factor; cost estimating relations (CER) Different Approaches to Cost ...
Not much room to maneuver here. You can, however, get more insurance if you are willing to have it go to others when you pass on, but more on that later. The FDIC does consider an IRA a separate depositor and insured separately. Thus, one individual can stash $250,000 in a taxable account and another $250k in an IRA account.
Federal law protects you from most fraud and errors in your accounts, but you have to act quickly to get full protection. Coverage Limits. FDIC insurance is not unlimited. If you have too much money in the bank you may be leaving yourself exposed. The basic FDIC coverage is good for up to $250,000 per depositor per bank.