Verified Document

Individual Financial Contingency Planning Research Paper

Individual Financial Contingency Planning Temporary Assistance is the temporary help for the needy women, men, and children. If one is cannot find a job or the job is not providing enough, and unable to work, temporary assistance ill help in paying the expenses. There are two types of Temporary Assistance programs: Family Assistance (FA) and Safety Net Assistance (SNA). Family Assistance is the provision of cash assistance to the needy families, which include minor children living with their parents or caretaker relatives. According to Family Assistance, qualified adults are limited to receive the assistance for a period of sixty months in their lifetime (Gitman & Joehnk, 2007, p. 21). Once this time has expired, not all the family members are legible to receive family assistance and other benefits. Parents and other adults who have been receiving Family Assistance must comply with the requirements of the fed in order to receive the benefits.

If one is ineligible for any other assistance programs, he/she may qualify for the Safety Net Assistance (SNA). SNA is designed for families identified to be abusing drugs and single adults. It is also helpful to people who have exceeded sixty-month limit assistance, childless couples, and children who are living apart without any adult relative. People receiving SNA and are determined to be able to work should follow work requirements to enjoy SNA benefits. SNA benefits can be received for a maximum of two years in a lifetime. The compensation will not be provided in cash form but as a voucher or two party checks after the expiry of the SNA period and one is eligible to receive the SNA. Funding assets is a single mutual fund, which attempts to fulfill the goals of allocating assets all by itself. Such a fund will invest in various securities with different asset classes. Its main purpose is to provide investors with truly consistent and diversified holdings returns.

Public-private partnership is a business venture where the government operates and funds come together with one or more private sector (Cumming, 2012, p. 63). In the case of Temporary assistance, the government and private sectors will raise some funds together to be used in the programs. This is a good source of funds or revenue for adults or children for them to earn a living. This is because they are not refundable and does not call for any interest after being given. Individuals will feel free to apply for the funds so long as they qualify. The program managers of Temporary assistance will get funds from the public private partners for them to assist individuals who depend on them. Public-private partners sponsor organizations like Temporary Assistance without charging any interest or demanding security when distributing funds. Public-private partnerships will not stop assisting the community residents because after the expiry of a given time, the assisted individuals succeed in their life.

Public-private partners will also assist in funding the Temporary Assistance programs through the distribution of assets. The assets will be issued to the needy residents to use the assets for a given time of which they will have acquired the knowledge and resources to depend on themselves. The two parties on the assets issues of the public-private partners, and they do not demand any income from the assets (Gitman & Joehnk, 2007, p. 52). Their goal is to see the community residents being able to depend on themselves after the time specified for assistance expires.

Nonprofits are financial institutions offering various services like funding of individuals and companies, which cannot raise capital. They do not struggle to make a profit but to see the funded organizations and individuals succeed in their objectives and goals. Mostly they fund the organizations, which are there to assist the community in providing various services to the needy. These services include health care services, schools, farming, and even seminars to train the community residents (Lane & Lane, 2008, p. 99).

Temporary Assistance is an organization funded by non-profit making institutions that assist a community. This is because they do not require any income or profit from the assisted individuals or group of people. Public-private partners will fund the Temporary Assistance through various ways like issuing cash or giving assets to the organization to assist individuals. They can issue cash to the organization where they will use in assisting the needy in the community. Temporary Assistance will make sure that the needy adults or children get the needs like food, education, clothing, and shelter....

The Temporary Assistance will provide the funds to the needy for a maximum of four years and a minimum of one year. When the period has expired, it is expected that the needy will be able to sustain themselves without any support. In addition, non-profit making organizations will provide the funds in the form of assets to Temporary Assistance programs. The assets will be issued to the needy to assist them to earn a living (Arvai & Driessen, 2009, p. 82).
Bond issue is a form of raising funds by offering bonds, shares, or securities to the public. The securities will be issued to investors as a method of raising funds to start the business. These securities can be issued by the government any other private organization. Temporary Assistance will receive funds in the form of shares or any other security to be used in assisting the needy in the community. Temporary Assistance may decide to use the share in starting an enterprise in the community level where the residents will benefit from being employed. The residents will receive assistance in the form of cash and being employees in the enterprise to earn a living. This is because Temporary Assistance should not offer the assistance on form of cash only but also in the form of assets. When they are given the bonds or shares as a source of fund, they will benefit the residents by being employed in the enterprise.

Grants are non-refundable funds, which are issued by a corporation, trust, and government department to a recipient, which can be an individual, business, educational institution, and non-profit making entity (Cumming, 2012, p. 49). For one to receive the grants, an application or proposal should be issued to the authority giving the grants. Grants are issued to defined projects: reports should be given after some time in order to highlight the level of compliance. Temporary Assistance will receive grants as a source of funds to be used in assisting the needy in the community. The grants can be issued in the form of assets or in the form of cash to non-profit making organizations. The organizations like Temporary Assistance will thereafter use the funds in assisting the needy in the community.

Multilevel government financing occurs when the central government delegate duties to the local governments and issue them with funds to perform their activities on their own. The central government ensures that they distribute enough funds to the local governments to exercise their duties to the maximum (Lane & Lane, 2008, p. 73). Temporary Assistance will request funds from the local government after which they will use to assist the needy adults and children. This is a good source funds to Temporary Assistance as it is a non-profit making organization and local government will not deny them the funds. This is because the funds will be used to assist the needy, which is the responsibility of the government. Temporary assistance will receive funds from the local government in the form of assets or cash.

Effects of taxation will assist in funding various programs. This is because the revenue collected from taxation will be used in funding other programs. Temporary assistance will receive funds from the government, which is sourced from the taxes imposed on various businesses with the intentions of making profits (Arvai & Driessen, 2009, p. 65). In addition, the income of individuals will be taxed and the funds recovered will be revenue to the government. The revenue from taxation will be used to fund non-profit making organizations like health centers, educational and other institutions, which provide relief food and shelter in case of calamities. Temporary Assistance will fall under the non-profit making organizations and will receive the funds. It will receive the funds in form cash or assets: the funds will be used to assist the needy in the community.

Financial efficiency will play an important role in obtaining the funds from local governments and state. When the proposal or application is presented to the issuing authority, they will check to see how the organization has been using the funds in the previous activities. If the organization has been spending the funds efficiently, it will make it easier for the issuing authority to issue funds to the organization. In addition, the history of the organization's spending will be used to determine the amount of funds to be issued. If the organization has been spending the funds efficiently, it is likely to receive a large sum of money (Cumming, 2012, p. 88).

When identifying the funds for the project, the organization issuing the funds should be…

Sources used in this document:
References

Arvai, Z. & Driessen, K. (2009). Regional Financial Interlinkages and Financial Contagion within Europe. International Monetary Fund.

Cumming, D. (2012). The Oxford Handbook of Entrepreneurial Finance. New York: Oxford University Press.

Gitman, L. & Joehnk, M. (2007). Personal Financial Planning. New York: Cengage Learning.

Jackson, P. (2006). Nonprofit Risk Management & Contingency Planning: Done in a Day Strategies. Washington: John Wiley & Sons
Cite this Document:
Copy Bibliography Citation

Related Documents

Risk Assessment and Contingency Planning
Words: 1530 Length: 4 Document Type: Essay

Key challenge in any contingency planning and risk assessment process is to generate and maintain commitment and participation in the process from senior decision-makers and those at the working level within organizations, keeping the process dynamic and up-to-date is another key challenge, too often contingency plans and risk assessment processes have been 'consigned to the shelf' after the initial planning has been completed. Therefore to be truly effective, contingency planning

Planning, Programming and Budgeting: Understanding
Words: 3133 Length: 11 Document Type: Term Paper

..ERP combines them all together into a single, integrated software program that runs of a single database so that the various departments can more easily share information and communicate with each other." (Pang, 2001) the work of Les Pang (2001) entitled: "Manager's Guide to Enterprise Resource Planning (ERP) Systems" published in the Information Systems Control Journal informs this study that over the past ten years an organizations have significantly experienced

Planning: A Literature Review in
Words: 5072 Length: 16 Document Type: Literature Review

The value of this case study is demonstrative. It demonstrates how contingency planning can be used, but it says nothing of the results. A quasi-experimental design was used by Chermack & Kim (2008) to explore the effect of scenario planning on decision-making styles. It was found hat participants in scenario planning have a tendency to make a mental shift towards intuitive-based decision-making styles after their participation in the scenario planning

Financial Crisis: Threat or Opportunity
Words: 4019 Length: 15 Document Type: Dissertation

" (2009) Yam states that over the past year the need existed to involve the government more deeply in the banking industry and especially in the area of deposit guarantees and in the supervision of the risk management of banks. Yam states that it is "…gratifying that so many of the tools that we have been able to rely on, including the apparatus and contingency arrangements for ensuring liquidity, have

Comprehensive Disaster Planning
Words: 2564 Length: 10 Document Type: Research Paper

Disaster Planning A Review of Crisis and Disaster Prevention Literature Disasters strike weekly, sometimes daily, all around the world. Crises happen, simply because humans create and perpetuate them. This is why nations and the leaders within them, just as companies and their leaders, ought to be ready for any eventuality. Crisis and disaster prevention thus becomes, not a need, but a vital fact of reality, and those who want to survive

Supply Chain Planning Under Uncertainty:
Words: 12190 Length: 44 Document Type: Research Proposal

Results from the study by Petersen, Ragatz and Monczka show that effective collaborative planning depends on information quality, and the trust level firms share. The authors purport: "Collaborative planning activities between supply chain partners are expected to lead to better performing supply chains" (Petersen, Ragatz & Monczka, Introduction section ¶ 1). In addition, numerous other researchers have also explored the perception relating to supplier alliances, that enhanced collaborative planning

Sign Up for Unlimited Study Help

Our semester plans gives you unlimited, unrestricted access to our entire library of resources —writing tools, guides, example essays, tutorials, class notes, and more.

Get Started Now