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.
However, trusts are often based on contingent interests, which means that there are conditions the beneficiary has to meet in order to be eligible for trust proceeds. In that case, FDIC insurance is based on the trust as a whole, with a maximum of $250,000. In effect, the insurance coverage in each case is allocated according to how many people have a right to the proceeds of the account.