Financial Planning
What are the three most valuable concepts you learned about the financial planning process? What actions will you take in your personal life based on what you have learned?

2.Credit
In what ways do you use credit in your daily life? Why is it important to maintain a good credit rating? What plans have you established to maintain or build your credit?

3.Investments
What factors are important to consider when creating an investment portfolio? What specific investments would you use for short-term accumulation, intermediate, and long-term goals? Justify your answer.

4. Retirement Planning
What types of retirement plans are available to help you reach your retirement goals? What are the common mistakes made in retirement planning? What type of plan would you most prefer for your retirement and why?

5.Estate Planning
What is estate planning, and why is it important to the overall financial planning process? Explain the difference between a trust and a will and how each are used in the estate planning process. 

Your answer to each section should be in essay format with a minimum of 300 words and consist of:

1. An introductory paragraph where the main ideas are presented.

2. Body paragraphs where your ideas are described in detail and supported with at least one reference to the textbook. Additional sources can also be used.

3. A conclusion paragraph that ties everything together.