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.
The FDIC also has a US$100 billion line of credit with the United States Department of the Treasury. Only banks are insured by the FDIC; credit unions are insured up to the same insurance limit by the National Credit Union Administration, which is also a government agency. As of August 27, 2014, the FDIC provided deposit insurance at 6,638 institutions.