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.
All DIF member banks are also members of the FDIC. Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF). The combination of FDIC and DIF insurance provides customers of Massachusetts-chartered savings banks with full deposit insurance on all their deposit accounts.