Diploma of Financial Services (FP) Case Study It is November‚ 2010. You are an authorised representative of a full-service licensed dealer group‚ Azza Financial Services Pty Ltd. Allison and Simon Callahan have come in to see you to ask for your assistance to plan out their next five years and then help them settle into retirement. Allison (aged 54) and Simon (aged 52) have been married for 29 years and live at Lot 3 Wattle Road‚ Hurstbridge‚ Vic. Their only child
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1: (a) (1) The sale of Southport‚ pay-out of mortgage and investment of excess funds into a term deposit is consistent with the advice recommended in the Statement of Advice (“SOA”) . The recommended retirement date remains 31 December 2016 . (2) Although not included in the SOA‚ the $20‚000 gifted to the other children will not greatly impact the preferred retirement date at the end of 2016 . Note that these gifts will not be deductible for income tax purposes. (3) Although no included
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GO TO THE SUPERMARKET Four steps for unit planning using the 4Cs TARGET LANGUAGE (CLIL language) : English CLIL MODEL: Cross-curricular modules 2h a week. LEVEL: 2nd Primary (7 year-olds) PRIOR LEARNING: Previously they know food vocabulary‚ numbers‚ routines‚ greetings‚ numbers to 20. GLOBAL GOAL: - Learn key skills and use appropriate strategies for arithmetic operations in a real environment. - Know the basis of healthy eating. DURATION: 2‚5 weeks. 5 one-hour sessions TITLE OF THE
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But there is hope. There are ways to get through the grieving process so that you can become a stronger person and stay connected to the people you love. Losing someone you love might have happened in one of two ways. Either his passing was expected or not. Both ways do not matter in the way you will grieve but will affect the way that you initially felt when you found out that the person was gone. If you had no idea that your loved one was going to pass‚ then your initial reaction might be shock
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First process is problem recognition in which someone in the company recognizes a problem or need that can be met by acquiring a good or service. It can result from internal (a machine break down and need new parts) and external stimuli (buyer receive a call from a salesperson who offers a better machine or a lower price). Next stage is general need description in which a buyer describes the general characteristics and quantity of a needed item. An example‚ for complex items‚ the buyer needs to work
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1. Personal financial is a process that properly manage your financial tools and even achieve your financial goals prudently. In general‚ It has 5 components Which include accessing your financial goals carefully‚ setting your financial goals ‚ identify the plan which is available to you and monitoring and re-accessing your plan 2. Of course‚ there are too many factors easily affecting our personal financial decision. And we can divide the situation into two aspect‚ which are economic aspect and
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"Decision making is the cognitive process leading to the selection of a course of action among alternatives." Usually the decision making process is implemented resulting from an identified problem that needs to be addressed and remedied. Each decision making process produces a final choice‚ which is called a decision. Planning is an integral part of the process. Without an organized plan‚ a final decision will be very difficult to achieve. Planning and decision making are very similar‚ yet
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A change in the company through the application Lewin’s three step change process could be brought about by Kesmer. This model consists of three parts. They are….. Unfreeze‚ Change‚ Freeze (or Refreeze). Unfreeze The way of unfreezing could have been followed by Kesmer. Before implementing a change in the company the workers could have been notified by her . So that the workers would have get an approximate idea of what kind f changes is goint to take place in their working environment. It wasn’t
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The Five Major Discourses of Matthew are extensive and all end with the same words: “when Jesus had finished these words…” Matthew recounts part of the history of Jesus by placing the discourses in strategic positions by following a sequence. In the first discourse the “Sermon of the Mount” (Mt. 5: 3-7:27)‚ this discourse was one of the most important sermons given my Jesus‚ because he was at the center of His preaching. Also‚ he teaches his disciples how to pray the Our Father. In this sermon‚
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Study guide chapter 1 Which of the following best defines anatomy?Which of the following best defines anatomy? The study of the structure of body parts and their relationships to one another Which of the following is not one of the subdivisions of anatomy? Renal anatomy Which of the following best demonstrates the principle of complementarity of structure and function? Bones can support and protect body organs because they contain hard mineral deposits Which of the following is the simplest level
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