AB104 Personal Financial Management - HS140 Pharmacology Post Response

timer Asked: Mar 29th, 2019
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Question Description


Classmate responses should be on topic, original, and contribute to the quality of the discussion by making frequent informed references to lesson material. Minimum 50 words for each response post.

AB104: Personal Financial Management


Martha, a 75-year-old widow, owns more than $2 million in assets. Martha’s son, Jonathan, has two children, ages 10 and 13. Her daughter, Annie, also has two children, ages 9 and 13. Martha has decided that she wants to begin giving her assets to her grandchildren so she can minimize the size of her estate. She specifically wants to provide for her four grandchildren’s college education.

What planning opportunities can you suggest so that Martha can provide for her grandchildren’s education while minimizing any transfer taxes?


The first thing I would suggest to Martha would be to make sure she has her will laid out and is specific in her wishes. After that she should set up a living trust for each one of her grandkids. By doing this she can regulate when each one gets the funds, as well as limit taxes. Since money that is inherited is not generally taxed she can liquify the amount she wishes to leave for each child and put it into a CD. This will mean that the entire amount is not taxable and it will earn interest.

By using her children as the administer of the trust she can lower if not completely remove all fees that should would incur if she were to set the trust up through the bank.



To begin, I would advise Martha to create a financial plan and gather all the information possible on her current and long term assets. After gathering information she needs to create a plan and list all expense currently and after life, i.e funeral cost, debts, etc. Once she has done this then she can decide on which route to take and how much she is willing to leave to each of her grandchild upon her death. It would be a good idea to hire a lawyer, financial planner, or both to assist with the legalities of the estate.

One tax-efficient way to provide education for her grandchildren, while minimizing taxes would be a 529 plan. Which could be either a prepaid tuition plan or a college savings plan. The college savings plan allows for donors to save and donate money to be used at a later date for college tuition and other related expenses. Money can accumulate and grow overtime on a tax-deferred basis. Also, withdrawals are tax free if used for qualified education expenses, such as tuition, room and board, or books.

In addition, she could also set up a trust fund. A trust fund is a special type of legal entity that holds property for the benefit of another person, group, or organization.


HS140: Pharmacology


Helping a patient to remember to take their medication is one aspect of compliance but a majority of compliance comes from educating the patient. The more a patient knows about what he/she is taking the more likely they will be diligent on taking their medications.

In this scenario you are the health care provider answering questions from your patient regarding a medication. Choose any ONE medication that treats ONE condition below and answer the questions that follow. Remember these are questions from your patient, be as thorough as possible but yet understandable to the patient.

Conditions: Bacterial infection, UTIs, peptic ulcers, hypertension, asthma; high cholesterol, or congestive heart failure.

The patient asks you:

1. What is the name of the medication?

2. Why do I need to take it?

3. What are the possible side effects of that medication?

4. How does it work on my condition?

5. What should I do if I miss a dose?


Taking ciprofloxacin 500mg PO q24h x 3

You will be taking the medication called ciprofloxacin to treat your UTI. You will take the medication by mouth every 24 hours for three days.

The medication ciprofloxacin is an antibiotic. It works to stop bacteria from growing which is what is causing the UTI infection. By completing your 3 days on the medication you should no longer have the UTI and feel like yourself again soon.

There are a few possible side effects. They can include nausea, dizziness, lightheadedness, headaches possible trouble sleeping. If you experience any side effects and they seem to get worse please call us. After hours there is always a nurse line you can also call into is you have a concern. The doctor feels that your benefit from the medication far outweighs the possibility of side effects. So be aware but don’t stress.

If you forget to take a dose take the next dose right away (as long as 24 hours have passed) and complete the remaining days on time. DO NOT take again if less than 24 hours have passed. It is very important that you take the medication every 24 hours for full effectiveness. I would recommend setting 3 reminders on your phone or taking them at the same time in the morning if you work at the same time the next three days. Something that will trigger you to take your medication and remember. If you miss more than 1 dose do not take 2 doses at one time. We will need to see you again to review other options.



Your physician has determined that you have a urinary tract infection and the best method to treat this infection is by prescribing an antibiotic. You are being prescribed KEFLEX which is the brand name of this medication. Substitution of the generic cephalexin by your pharmacy is perfectly fine as the active ingredients will be the same and both medications will treat your condition. You need to take this antibiotic in order to fight the infection in your urinary tract. Some possible side effects of this medication include vomiting, diarrhea, nausea, abdominal pain, dizziness and fatigue. This medication works by destroying the bacterial cells while they are forming preventing your infection from spreading and allowing your immune system to wipe out the bacterial cells that are already in your system. It is very important that you do not skip any dose of your medication and that you take all of your medication even if you start to feel better to ensure that you do not have a recurrence of infection. If you miss a dose you should take your medication as soon as you remember unless you are due for your next dose. If it is time for your next dose, skip the missed dose to prevent taking too much of your medication at one time. Please let me know if you have any questions.


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Students are expected to: Participate with the required number of relevant postings of required length Post initial response by Saturday; all additional comments posted by Tuesday Support ideas with information from course materials and/or outside sources when appropriate, using APA format Instructors: Enter correct total available points in H5 and scores into ce Introductory Initial post timeliness 0-1 No initial post (0). Provides initial post after Sunday (1). Emergent Practiced 2 3 Provides initial post by Sunday N/A No additional Additional comments (0). Posts Posts one comment Posts 2 comments comments and comments unrelated to related to the discussion related to the engagement the Discussion topic topic. discussion topic. (1). Submission does not Initial relate to the topic Response and/or incomplete Content Quality responses to most topics. Spelling/ Grammar/ Formatting/ Mechanics Significant errors in spelling and/or grammar. Major flaws in writing mechanics and formatting. Length* (applies to Submission does not Discussion meet length Boards with requirements. posted length requirements) Feedback: Answers some question/topics with some clearly stated opinions. Answers all questions with opinions and ideas that are stated clearly. Uses Standard American English with Poor spelling and rare errors and grammar are apparent. misspellings. Minor Does not use APA in-text errors in APA in-text style formatting when style formatting when needed. needed. Includes list of references when citations are used. Only one post meets length requirements and/or initial post does not meet length requirements Initial post and one reply post meet length requirements n appropriate, using APA format for in-text citation and references. e points in H5 and scores into cells in column F. Total available points = Proficient/Mastered Score 4 0-4 Provides an initial post by Saturday. Posts 2 or more comments in response to others that provide thoughtful insight to the topic and frequently attempts to motivate the group discussion. Answers all questions with opinions/ideas creatively and clearly. Supports post using outside sources when appropriate. Consistently uses Standard American English with rare misspellings. Appropriate mechanics and APA intext style formatting when needed. Includes a properly formatted list of references when citations are used. All submissions meet posted length requirements. Weight Final Score 15% 0.00 30% 0.00 40% 0.00 10% 0.00 5% 0.00 100% 0.00 Final Score 0 Percentage #DIV/0! ...
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Tutor Answer

School: Duke University


Running head: RESPONSES


Name of student



Response 1 (Geoffrey)
Martha should have a written will that specifically outlines her wishes about her property which is
to cater to the college education of her grandchildren with specified amounts of each child as a
way of sharing her wealth. The written will plays a significant role especially in case Martha seizes
to exist since the property already shared to her grandchildren will not be touched. Also, Martha
can execute a trustee who acts as the administrator of her shared estate to her grandchildren who
takes care of the shared property for the children i...

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Tutor went the extra mile to help me with this essay. Citations were a bit shaky but I appreciated how well he handled APA styles and how ok he was to change them even though I didnt specify. Got a B+ which is believable and acceptable.

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