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.
FDIC guarantees deposits up to $250,000 per account per person. Multiple accounts held in the same bank under the same account holder's name are added together for purposes of determining the amount of insured deposits. A person with two accounts totaling $300,000 would have $50,000 unprotected.