Meaning of the French Expression Le cinq àsept

The informal expression le cinq à   sept refers to what could be considered a very French version of Happy Hour: the two-hour period after work, from 5 to 7 pm, when (some) people meet up with their lovers before going home to their spouses. Translation: an afternoon tryst. The reality of le cinq à   sept was openly acknowledged for perhaps the first time in Franà §oise Sagans 1967 novel La Chamade. Just for fun, I had my husband ask his students (aged 40 and up) about it, and they all said they were very familiar with le cinq à   sept, with one exception. The youngest said she didnt know it, then added a caveat: Mais je viens de me marier, alors qui sait ce qui va se passer dans vingt ans. Incidentally, the French translation of tryst is un rendez-vous galant - further proof that everything sounds better in French. Well almost: for happy hour, the correct translation is heure du cocktail or heure de lapà ©ritif, but instead they usually stick with appy hour. Different in Canada In Quà ©bec, le cinq à   sept has nothing to do with sex. It refers to a group of friends meeting up to have a drink after work, or before an evening outing to a play or some other entertainment. In this sense, le cinq à   sept might be translated by happy hour or, if it doesnt include alcohol, just something generic like afternoon get-together or rendez-vous. Source Sagan, Francoise. La Chamade. French Edition,  Pocket, 1990.

Essay on Beowulf - 1150 Words

nbsp;nbsp;nbsp;nbsp;nbsp;He killed three monsters and then he died. Not a very interesting fate, but it is none the less one that I find myself having to write about regardless of whether or not I want to. Thus it was, the mighty Beowulf of old England that went forth to slay the evils which plagued the lands of his own people as well as those of his neighboring tribes. The second battle was one that was brought about by Beowulf’s willingness to go and help an old friend, and thus he nearly lost his life once more. For those not acquainted with the story of Beowulf, he was said to be the strongest man ever to live, and given this he was fated according to their beliefs to accomplish certain things in his life. Some of these things†¦show more content†¦Beowulf fought Grendal without weapon and delivered a fatal injury with the removal of his arm. Upon this injury Grendal returned to his lair where he would die and be welcomed into the depths of Hell. The accomplishment of this great dead by Beowulf allowed him the reputation of a hero, but this establishment would not become complete until he had beaten the great Grendal’s Mother. Which without going into great detail he did accomplish and was then thanked once more by Hrothgar, and even offered the mighty king’s kingdom. All of this is simply a testament to the alleged fate of Beowulf, personally I like to think that I can control my own life, even though I might have a distinct purpose, I do believe it is my responsibility to determine and then carry out that purpose. nbsp;nbsp;nbsp;nbsp;nbsp;Upon his return home Beowulf is given a hero’s welcome and celebrations run rampant. This is nothing to say the least of what would come later. Through a process of elimination, Beowulf would inherit the thrown of the Geat kingdom. After a ruling of fifty winters he would face what would be his final battle, with a creature whose importance on the epic is unending was given a name only as meager as the â€Å"dragon†. It was this dragon that Beowulf would yield his life too, and it would be the end of Beowulf’s fate in this world. Beowulf’s, Wiglaf, would inherit the thrown after his bravery and courage allowedShow MoreRelatedBeowulf : The Battles Of Beowulf1216 Words   |  5 PagesThe Battles of Beowulf The story of Beowulf is one of a great hero. Beowulf is a very generous person who is always willing to help out when people are in need. Over the course of the story, Beowulf ends up in three major battles: the battle with Grendel, with Grendel’s mother, and with the dragon. All of these battles were different in their style and the way Beowulf approached them was different. Beowulf also had different reasons to participate in each of the battles. The first major battleRead MoreBeowulf Essay : Beowulf 1473 Words   |  6 PagesHyunsu (John) Kim Prof. Hohl ENG2800 November 10, 2016 Beowulf Paper II The poem, Beowulf, explores its protagonist’s—Beowulf’s—heroism through a series of three increasingly difficult conflicts with Grendel; Grendel’s mother; and the dragon—, each of which exemplifies an aspect of the Anglo-Saxon heroic code. Beowulf’s first encounter with Grendel demonstrates the importance of reputation as a means of establishing one’s legacy, even beyond death; Beowulf’s triumph over the seemingly indomitableRead MoreBeowulf : The Epic Of Beowulf1027 Words   |  5 Pages To begin, Beowulf the poem has a unknown author, Beowulf is an epic poem. 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I have heard moreover that the monster scorns in his reckless way to use weapons; therefore, to heighten Hygelac s fame and gladden his heart, I herebyRead MoreThe Epic Of Beowulf By Beowulf2577 Words   |  11 Pagesoriginal aspects of these different religions. Due to the construction of this Beowulf, students and professors are able to study and get a true understanding of a pagans’ demeanor and how life evolves through their eyes. Throughout the epic poem Beowulf, paganism is exemplified as this epic hero falls victim to fate while embarking on his journey through life fighting monsters and chasing after his fame. To begin with, Beowulf was composed in Old English by an anonymous writer between the sixth and seventhRead MoreComparing Beowulf And Grendel And Beowulf1702 Words   |  7 Pagestranslated, Beowulf has represented one of the finest examples of heroic poetry. As a tale reflecting the noble deeds of a hero, it uniquely expresses the cultural values of the Anglo-Saxons from whom it originated since heroes often do reflect the best of what their culture deems worthwhile. However, modern adaptations of this work express a different set of cultural values; values unique to modern society. When comparing the translated poem, Beowulf, to the 2005 motion picture, Beowulf and GrendelRead MoreBeowulf891 Words   |  4 Pagescase of the sea monsters, that Beowulf slayed in his swimming match with Breca, is their motivation the same as what fuels Grendel and his mother s hatred? This idea of evil could present a foreshadow of malice and scorn, both of which play parts in the poem, Beowulf. Racing through the waters, neck and neck are Beowulf and Breca. A hostile creature lies below awaiting a human appetizer. He roars and shoots out of the crest of the wave to make a snap at Beowulf. Beowulf turns and strikes at the hideousRead MoreComparing Beowulf And The Epic Of Beowulf937 Words   |  4 Pagesthe Roman Empire. In the story Beowulf, his actions portray him, indeed be an epic hero. Both Christianity and Paganism are both portrayed throughout the epic Beowulf. Beowulf frequently speaks of God throughout the story, while there are also many Pagan elements that are evident throughout the story as well. In addition, It s hard to ignore the Christian and Pagan elements in Beowulf. These types of elements are what define the heroic warrior in the epic Beowulf(Vengeance the Pagan and ChristianRead MoreBeowulf: Comparing Beowulf and Wiglaf1213 Words   |  5 PagesIn the literary work of Beowulf, it is imperative to analyze the relationships between characters and how tho se relationships function to create new meaning or a better understanding of the literature as a whole. In Beowulf, it can be said that the characters of Beowulf and Wiglaf share parallels that serve to show Wiglaf as becoming the next king, and not only the successor of the throne, but a sign of hope for the doomed society of the Geats. These similarities can be recognized especially wellRead MoreAnalysis Of Beowulf s Beowulf 968 Words   |  4 PagesEnglish IV 21 September 2017 Battle Comparison Beowulf is a story about the quests and battles that the main character, Beowulf, endures. Though he faces many challenges, he is able to overcome them because of his superhuman strength and braveness. During the story, Beowulf fights three beasts: Grendel, Grendel’s Mother, and a Dragon. With the strength of 30 men in each hand grip, magical weapons, and the support of Wiglaf, his right hand man, Beowulf is able to defeat all three beasts, but suffers

The Importance Of Mindfulness Mental Health Relationship,...

Research around the construct of mindfulness has exploded in the past few decades. Even though mindfulness is increasingly being incorporated in many modern day psychotherapeutic approaches and daily lives, it is still unclear as to how and why it has its many beneficial effects on a range of physical and psychological health variables. This study was undertaken to explore two possible mediators of the mindfulness-mental health relationship, namely decentering and nonattachment. Because of the nascent stage of this research and previous mixed findings obtained in the area, the authors took a more exploratory approach in investigating this mediation. As hypothesized, mindfulness was significantly related to lower levels of depression, anxiety and stress in a population of college students and adults, consistent with a host of previous research (Baer et al., 2006; Brown Ryan, 2003). Decentering means to take an objective perspective of one’s life, as opposed to a subjective one, and to be able to notice the process and context of thinking and gain psychological distance from one’s thoughts, feelings and emotions. In the present study, higher levels of decentering were linked to lower levels of psychological distress (depression, anxiety, stress), consistent with prior research (Fresco et al., 2007; Hayes-Skelton Graham, 2013; McCracken et al., 2013; Pearson et al., 2014; Sauer Baer, 2010). Nonattachment is the psychological quality of deriving happiness independently of

Financial Planning and Forecasting Official e-mail - Free Solution

Question: Discuss about the Financial Planning and Forecasting for Official e-mail. Answer: a) Before the first meeting the financial planner executives has to fix the time and place of the meeting with the clients via telephone or official e-mail. After fixing the meeting time the executive has to maintain requisite discipline and punctuality and attend the meeting on scheduled time so that improve the perceptions of the clients on the financial planner executive and the company which he/she represent as people like the people who maintain discipline and punctuality. In the first meeting with the clients the financial planning executive has to produce his/her business card and valid identity proof in order to achieve the trust of the client so that the executive can improve his/her trustworthy in front of the client. b) The clients should be instructed to prepare with the information on the their prior investments schemes with proper documentations. Besides this, the investment queries must be prepared from the client side. c) The financial planner has to explain in detail about the financial planning services offered by the Mentor Financial Planning Pty Ltd. Besides this, he/she can produce the itinerary of the company to the clients so that the client can depend on him/her and on the Mentor Financial Planning Pty Ltd. Besides this, some personal inputs may enhance the relationship with clients. d) In order to make effective financial planning, the financial planner has to go through the following: Determination of the current financial position of the client Development of the financial goals Identification of substitute course of action Evaluation of the substitutes Creation and implementation of a plan for financial action Reevaluation and revision of the prepared plan e) The financial planner executive have to produce his/her detail like the detail of the company he/she represent, here as per the case study, the company is: Mentor Financial Planning Pty Ltd ABN 99 109 240 897 AFSL xxxxxx Level 2, Suite 2 349 Collins Street Melbourne Vic 30000 Besides this the executive Business card with the name and ASIC Authorization Representative Number will be produced to the client. Besides this, the executive also provide the information of his financial background such as his qualification for providing such types of services, his experiences, etc will improve the trust of the client on the executive. f) The company is authorized to give advice on financial product as well as arrange the following services: Effective risk management services as well as protection of asset. Economizing and redundancy advice Strategies for wealth creation Guidance for accessing direct share Social security Besides this, the company provides general advice as well as personal advice. g) The executive would tell the client about his academic background along with the experiences in the financial planning field besides this, he/she can share about his/her family and personal experience in order to make good rapport with the clients. h) The company charges the fees on the basis of the time spend for developing the plan for the clients. Alternatively the company may receive payment on the cost of the investment done by the clients as a brokerage. i) The executive has to ask the client on their understand about the fee structure of the company for providing financial advice and if the clients have any queries then it is the responsibility of the financial planner to explain the clients clearly about the fees structure of the company. j) (i) In case of the client do not understand English properly then the financial planner has to take help from a interpreter who will translate both parties languages so that they can understand correctly what they want to say. ii) In this case the financial planner executive should avoid to advice. iii) In this types of situation the financial planner has to use his/her efficiency so that effective advice can be given. iv) Try to balance the financial situation. v) If the clients are disabled then the financial advisor must take extra care of the clients. Vi) The executive has to be sympathize to the cultural background of the clients. vii) The age related need must be given to the client by the financial planner. k) The three steps that your client should take if they have a complaint or dispute prior to contacting the ASIC are as follows:- Step 1- Contact the business with your complaint This step provides on spot solving of problems that are provided by the client. If this step of provides unhappiness regarding the problem solved, and then the client prefers the next step that is the step 2. Step-2- Further taking your complaints This step provides the views regarding the problem solved with thereby launching an email with appropriate heading and title of the problem faced with the contact details. The original copies of the invoices must be provided for solving the problem. If the client does not receive the solution during the reasonable time period or the response accordingly then the client must prefer the process of step 3. Step-3- Contact an external dispute resolution schemes For the resolution of these types of dispute, the EDR schemes must be followed by the client and for these the complaints are heard for free with providing the solutions for the problems mentioned. Personal Details (a) Contact details DETAILS CLIENT 1 CLIENT 2 Mark 1. Title: 2. Given Name: Donna Dennis 3. Preferred Name: Donna Dennis 4. Surname: Barker Barker 5. Date of Birth: 6. Marital Status: Married Married / 1 Home Address: Address: Suburb/Town: State: Postcode: Home Telephone No. Preferred Contact No. /1 (b) Child / dependant details Name: Megan / 1 Relationship: Daughter Date of Birth: Current Age: Financially Dependent: No (c) Financial arrangements involving siblings, parents or others Name: / 1 Relationship: Financial Arrangement Date Commenced: Amount of Money: (d) Relationship history involving financial implications According to the case, there is no previous marriages and history involving financial implications. / 1 (e) Health details Do you Smoke: No / 1 State of Health: Excellent Are you aware of any health issues that may impact your ability to earn an income? (please provide details) No, there is no health issues that will impact my ability to earn an income Work Details (a) Other personal financial arrangements Donna and Dennis earns salary from their jobs and has no other personal financial arrangements / 1 (b) Investment Experience CLIENT 1 CLIENT 2 Mark Donna paid annually an amount of $17,000 into her superannuation fund as the personal contribution. Dennis has superannuation savings of amount $51000 held within PP superannuation fund. / 1 (c) Acting as guarantor No / 1 (d) Employment details CLIENT 1 CLIENT 2 Mark 1. Employment Status: Full Time Employed Full Time Employed 2. Employer Name: Best Marketing Newbolds Pty Ltd / 1 3. Position Title: / 1 4. Primary Duties: 5. Work Address: 6. Work Phone No.: 7. Previous Job 8. Employment Security: Yes Yes / 1 9. Are you contemplating leaving your employer? 10. Do you foresee any substantial change in your income in the next 2-5 years? Yes Yes / 1 Notes: (e) Previous financial history Mark Do you have a previous financial history such as: Bankruptcy; No Refusal of credit: No / 1 f) Estate planning issues CLIENT 1 CLIENT 2 Do you have a current Will? No No Date of Will / Last Reviewed: No / / No / / Power of attorney No No Type / Name of Attorney? Do you have Funeral Plans? No No Do you have any specific intentions regarding your estate distribution? No No g) Retirement planning Retirement Details CLIENT 1 CLIENT 2 Planned Retirement Age: 53 52 Retirement Income required: $90,000 (todays dollar) $45,000 After retirement, do you intend to work again either on a full-time or part-time basis? N0 Yes Expected Income $: $25,000 Till age: 65 What capital expenses will you have in retirement? (Please state expense and value) $40,000 $40,000 Would you like some assets left to your estate? (Please detail) No No Special Needs a) Special Needs Description a deficient in English No, the client does not have any problem regarding the need mentioned. variety of products and services outside authority Yes, the service varies according to the demand made by the client. complex estate planning situations No, simple estate planning situations. unbalanced financial situations No, the client is provided with the simple and the biased financial situation a disability No, the ability is created for the changes needs of different cultural backgrounds No age related needs (i.e. very young or older age groups) Yes, the needs vary dependent on the age group. (b) Other adviser details Accountant Name: Alex Mentor Company: Mentor Financial Planning Pty Ltd, ABN No. 99 109 240 897, AFSL No. xxxxx. Level 2, 349 Collins Street, Melbourne, VIC 3000 Contact Detail: Phone: 1300 306 146 Fax: 03 9614 1807. Client expectations, priorities and objectives Client expectations and requirements Description Reasons for seeking financial advice: o Relatively small amount, o Simple financial strategy, o Limited or preset range of product o Product specific advice and/or service, o Comprehensive financial planning, o Portfolio advice, or o Product specific advice and/or service Explain: The descriptions consist of the advices which the client expects for the financial planning process. It must be executed for the enhancement of the portfolio advices and thereby the comprehensive financial planning with appropriate services can be executed. (b) Client priorities For example, current income needs, retirement income needs, diversification, tax minimisation, capital growth, investment security, wealth creation, eliminate mortgage etc Description The client specially demands to get an appropriate retirement plan so that they can live life freely without any tension. The clients priorities consists of the current income needs with respect to the retirement needs must be fulfilled with the process of tax minimization and appropriate wealth creation. (c) Client objectives i. Short Term (1 to 3 years) The objective is to invest into different saving schemes such as Superannuation Fund ii. Medium Term (4 to 7 years) To manage the funds and assets for future purpose. iii. Long Term (7 year plus) The main objective of the client is to utilize saved money and invest in bonds and shares. (a) Lifestyle Assets Asset Owner Date Acquired Purchase Price Current Value CGT Impact Debt Net Value Mark Principal Residence: Joint 750,000 130,000 620,000 / 2 Contents: 50,000 50,000 Motor Vehicle(s): Caravan, Boat, Trailer: Investment Property: Other: Total 840,000 710,000 Mark (b) Investment Assets Asset Reference Number Owner Date Invested No of Units Purchase Value Current Value Retain Yes/No CGT Impact Debt Net Value Mark / 4 Bank Account Joint 9000 Yes 9000 Term Deposit Joint 12000 12000 Cash management fund Joint 12000 12000 Total 36000 36000 Mark (c) Liabilities Finance Provider Owner Guarantor Date Commenced Repayment Amount Repayment Frequency Interest Rate Balance Mark Home Loan: 130000 / 2 Investment Loan: Personal Loan: Credit Cards: Other: Total (d) Total Gearing (Lending to Valuation Ratio) Total Liabilities _____130000________ / Total Assets __746000___________ = __17.42___________% Income details Income: Investment Income: 504800 53040 Centrelink Income: Pension/Annuity Income Other Income: 30000 10000 Less Income Tax -160440 -1328 Less Medicare Levy -10696 -1260 Add Low Income Tax Offset Total Tax Total Net Income 363664 60452 Marginal Tax Rate 30 21 / 10 (b) Expense details COMBINED Mark Food: / 3 Entertainment: Transport/Vehicle: 40000 Council Rates: Amenities: Rent: Mortgage Repayments: 130000 Other Total Net Expenses 170000 (c) Surplus disposable income COMBINED Mark Annual: 135000 /2 Monthly: 11250 Superannuation and Insurance arrangements (a) Superannuation Company Policy No. Employer/ Personal Owner Eligible Start Date Contribution Rate/ Amount Current Cash Value Mark Best Marketing 220000 / 2 Newbolds Pty Ltd 51000 (b) Insurance within superannuation Do any of the above policies have insurance attached? Yes / 1 Are any of the above policies preserved? No As a tax deduction been claimed for part/all? Yes Are there any exit fees applicable? No (c) Leave payments Type Expected Receipt Date Anticipated Amount / 1 Annual: Long Service: Other: Have you recently received a redundancy package? No If you have recently received a redundancy package, please provide notice of payments. (d) General insurance Insurance Description Policy Number Owner Date Commencement Sum Insured Premium Payable Maturity Date / 1 TPD insurance Generic Needs Current Financial Position/Requirements Marks 1. Assets The asset value shows strong financial position of the client / 1 2. Tax Minimization The tax has to the paid as per the income tax law / 1 3. Income The income of the clients has increased which is good / 1 4. Superannuation The clients are getting returns from the funds / 1 5. Expenses The clients are having high expenses that need to be manage / 1 6. Debt Reduction The liabilities of the client are not so high / 1 7. Investment Planning The investment planning of the clients are appropriate / 1 8. Wealth protection The deposits in banks and saving plans will help to increase funds / 1 9. Estate Planning / 1 10. Business Planning / 1 Risk, fraud and conflict of interest assessment Risk and Fraud indicators Comments Mark 1. Conflict of interest risk Eg. Is this client involved in a financial dispute with another client of the licensee? No, the client is not involved in any financial disputes. / 2 2. Cost/profit risk Eg. Is there a cost or profit risk to the business in providing advice to the client? No there is no profit or cost risk to business in providing advice to the client 3. Credit risk Eg. Has this client ever been declared bankrupt? No, the client never been declared bankrupt 4. Insurance risk Eg. Has this client previously made a claim on insurance that was declined? No, the client does not made a claim on the insurance that was declined 5. Litigation risk Eg. Is the client involved in any legal litigations? No the client is not involved in any legal litigation 6. Opportunity risk Eg. Is there a risk that a better opportunity will present after a decision has been made? Yes, there can be risk if there is a better opportunity for the client. It may affect their financial position 7. Product satisfaction (value) risk Eg. Is there a risk that products recommended will contradict instructions given by the client? Yes, there can be risk, if the product contradict instruction given by the client 8. Regulatory risk Eg. Will the client act all times within legal boundaries? Yes, the client will act all times within the legal boundaries 9. Relationship risk Eg. Has this client entered into a relationship with another financial adviser? No, the client never client entered into a relationship with another financial adviser 10. Reputation risk Eg. Does this person have a media profile and involved in a major litigation case? No the client have no media profile and involved in a major litigation case Identify concerns Description Mark (a) How would you encourage your clients to express and clarify their expectations from the financial planning process? The clients expression provides the information about the responses which determines the positivity or negativity as explained by the advisers regarding financial planning process. / 2 Establish investment needs, preferences and priorities Generic Needs Requirements (e.g. Income and investment needs) Preferences (e.g. retain an emergency fund) Team Rank (1 to 5) 1. Assets Investment needs The asset value shows strong financial position of the client  Adviser 1 2. Tax Minimization Income needs The tax has to the paid as per the income tax law  Adviser 2 3. Income Income needs The income of the clients has increased which is good  Adviser 3 4. Superannuation Investment needs The clients are getting returns from the funds  Adviser `1 5. Expenses Investment needs The clients are having high expenses that need to be manage  Internal 2 6. Debt Reduction Income needs The liabilities of the client are not so high  Internal 4 7. Investment Planning Investment needs The investment planning of the clients are appropriate  Adviser 3 8. Wealth protection Investment needs The deposits in banks and saving plans will help to increase funds  Adviser 2 9. Estate Planning Investment needs  Specialist 2 10. Business Planning Income needs  Specialist 2 Investor Risk Profile 1. If my investment value fluctuated more than 20%, I would find it hard to sleep at night. Score Client 1 Score Client 2 Score Joint Score 1 Strongly Agree 2 Agree 31 33 64 3 Neutral 4 Disagree 5 Strongly Disagree 2. I am willing to accept more risk to possibly achieve higher returns and reach my goals. Score Client 1 Score Client 2 Score Joint Score 1 Strongly Disagree 2 Disagree 40 31 71 3 Neutral 4 Agree 5 Strongly Agree 3. If you had an investment portfolio, how often would you re-arrange it? Score Client 1 Score Client 2 Score Joint Score 1 Any loss of value 24 21 45 2 Less than 3 years 3 3 5 years 4 Whenever my investments go up significantly 5 5 years or more 4. I am willing to experience the ups and downs of the market for the potential of greater returns over the long term. Score Client 1 Score Client 2 Score Joint Score 1 Strongly Disagree 2 Disagree 3 Neutral 16 16 32 4 Agree 5 Strongly Agree 5. Which of the following best describes your attitude to financial risk? Score Client 1 Score Client 2 Score Joint Score 1 A very low risk taker 2 A low risk taker 3 An average risk taker 24 24 48 4 A high risk taker 5 A very high risk taker 6. Which statement best describes your understanding of financial markets and investments? Score Client 1 Score Client 2 Score Joint Score 1 2 I am not very familiar 3 I have had enough experience to understand the importance of diversification 24 24 48 4 I understand that markets may fluctuate and that different market sectors offer different income growth and taxation characteristics 5 I am experienced with all investment sectors and understand the various factors that influence performance. 7. My main concern is security. Keeping my money safe is more important than earning high returns. Score Client 1 Score Client 2 Score Joint Score 1 Strongly Agree 2 Agree 24 24 48 3 Neutral 4 Disagree 5 Strongly Disagree 8. How do you normally feel after you have made a significant financial decision? Score Client 1 Score Client 2 Score Joint Score 1 Very Concerned 2 Concerned 24 24 48 3 A little uneasy 4 Content that Ive made the right decision 5 Optimistic that the decision Ive made will provide substantial benefits 9. Investments that have experienced high volatility have generally compensated investors with higher returns over the long term. If you could invest in a portfolio between 10 and 20 years, which of the following would most suit you? Score Client 1 Score Client 2 Score Joint Score 1 A portfolio that may have a negative return every 15 years but a range between 0.2% and 9.1% pa. 24 24 48 2 A portfolio that may have a negative return every 8 years but a range between 1.1% and 12.01% pa. 0 0 0 3 A portfolio that may have a negative return every 5 years but a range between 2.5% and 15.3% pa. 36 36 72 4 A portfolio that may have a negative return every 5 years but a range between 2.9% and 16.3% pa. 25 25 50 5 A portfolio that may have a negative return every 4 years but a range between -4.2% and 18.9% pa. 25 25 50 Total Score Client 1 Score Client 2 Score Joint Score Mark Add up totals for each question and write the total for each client or for joint as appropriate. 50 50 100 / 2 According to the information below, what is your clients risk profile? 60 60 120 / 2 Dennis and Donna Barker is a middle aged couple and the financial planning is done for them. It is a planning for the next seven year on behalf of the couple as well as this planning help them in retirement settling. Donna is 53 years old whereas Dennis is 52 years old and they are married for 29 years. Donna earns $90,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. Moreover, if she sacrifices her salary then she may build more handsome fund at the time of retirement. Besides this, she receives $17,000 for next 7 years. Her superannuation balance is $220,000as well as earns an average of 7%. She has $100,000 in term life. Dennis earns $45,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. His superannuation saving is $51,000 and he get 4%. Their home valued $750,000 and they have mortgage loan $130,000 and for the interest they have to pay 7% interest. Their expense around $40,000/Year and they spent $10,000 additionally on holidays. Standard of living assets Asset Owner Value $ Liabilities $ Net asset value $ Home Joint 750,000 130,000 620,000 Cars Joint 40,000 Nil 40,000 Contents Joint 50,000 Nil 50,000 Total Joint 840,000 710,000 Investment asset Asset Owner Value $ Return % Liabilities $ Net asset value $ Bank Account Joint 9,000 4 Nil 9,000 Term Deposit Joint 15,000 4 Nil 15,000 Cash management fund Joint 12,000 5 Nil 12,000 Total Joint 36,000 Nil 36,000 Client Statement and Authorisation We hereby declare that all the information provided in this form is true to the best of our knowledge. We are not aware of any other information other than the information regarding the form provided. We have not disclosed this information to any other else other than the recommended mentor of Financial Planning Representative. We have given permission for the usage of this information for the preparation of our financial plan and henceforth we understand the recommendations regarding the investment based on the solely information with providing investment recommendations. We acknowledge that:- We have received, read and understood the financial services guide before the advisory services are provided. We permit this document to be passed in confidence to any member of Member Financial Planning Pty Ltd. We have provided Limited Financial Information. We have limited objectives which can be advised on to: Appropriate returns must be received during the time period Tax must be reduced for the assets and the liabilities that are produced. We have provided our tax file numbers which must be only held by the Mentor Financial Planning which must be forwarded to the financial institution. Adviser Declaration I declare that: The information provided by the client are appropriate and correct for the record obtained from the clients The clients are provided with a copy of the Financial Services Guides before the advisory information related to services are provided. The clients information must be kept confidential and managed in accordance to the requirements under: Consumer Affair Act Consumer Credit Code Industry Codes of Practices Privacy Act Setting the Standards of Companies Policies and Procedures Alex Mentor Advisers Signature Date Authority to Provide Information Date: DD / MM / YY To Whom It May Concern Please accept this letter as our authority to provide all the necessary information for the documentation of the requisites for the Mentor Financial Planning or their representative __________________. Please accept a photocopy of this letter, as original will remain in file at the office of Mentor Financial Planning. Correspondence should be sent to Level 2, 349 Collins Street Melbourne VIC 3000 This authority should remain in force until withdrawn in writing by me/us. Thank-you. Client 1 Name Donna Signature Client 2 Name Dennis Signature Client 1 D.O.B. ___/___/___ Client 2 D.O.B. ___/___/___ Address Client file checklist Client Name Dennis Barker Donna Barker Date of initial interview 02.09.16 Date Advice presented 16.09.16 Date of first transaction 19.09.16 Actions/Documentation Obtained Completed Date Data Collection Forms Salary information, Sala Yes 02.09.16 Superannuation fund information Yes 02.09.16 Other investment by the clients Yes 02.09.16 Expenses of the clients Yes 02.09.16 Supporting Documentation Salary slip Yes 02.09.16 Certificate of superannuation fund Yes 02.09.16 Other investment document Yes 02.09.16 Bank statement Yes 02.09.16 Certificate of insurances Yes 02.09.16 Certificate from capital management fund Yes 02.09.16 Certificate of the mortgage loan Yes 02.09.16 References Elliott, B. and Elliott, J. (2008).Financial accounting and reporting. Harlow: Financial Times Prentice Hall. Hillier, D. (2010).Corporate finance. London: McGraw-Hill Higher Education. Holton, R. (2012).Global finance. Abingdon, Oxon: Routledge. Spiceland, J., Sepe, J. and Nelson, M. (2011).Intermediate accounting. New York: McGraw-Hill Irwin.

Labor Unions And Nursing Essay Example For Students

Labor Unions And Nursing Essay Labor Unions and NursingK SalcedoThe American Labor movement in the United States has a history dating back to the beginnings of the industrial revolution. Its existence is due to poor working conditions and exploitation during the beginning of that time. Labor unions have had a long history of using their most powerful weapon, strikes, to fight their battles. Even today, with the diminishing numbers of union members, strikes appear in the news sporadically. History of Labor Unions The first strike is thought to be by printers in Philadelphia in 1786 (Maidment, 1997). Working conditions, pay and benefits were so poor, leaders in the southern United States used them to justify slavery. Their contention was that slaves were treated better than the workers were in the North. (Maidment, 1997) Unions attempt to rectify poor working conditions, pay and benefits through collective bargaining. An individual has very little power when negotiating with an employer, however many individuals, collectively have the power to achieve results through bargaining and negotiating. The ultimate bargaining tool that the collective bargaining unit has is the right to strike. Strikes The United States has the most violent and bloodiest labor history of any industrialized country (Foner, Garraty, 1991). In 1850, police killed two New York tailors while attempting to disperse strikers. These were the first of over seven hundred documented caused by strike-related violence. In 1913, National Guardsmen attacked striking Colorado miners known as the Ludlow Massacre. In 1937, police killed Ten Chicago steelworkers during a strike, which came to be known as the Memorial Day Massacre. More commonly, though, strike related deaths are attributed to lessor known confrontations. Strikes in the United States are generally linked to the business cycle. Strikes are more common when unemployment is low with the lowest strike rate being during the Great Depression. The first American strikes in the late 1700s and early 1800s were by shoemakers, printers, and carpenters led by their trade societies and were generally effective because of the limited labor pool skilled in those trades. The strikers simply refused to work until their pay demands were met. The strikes were generally short, peaceful and successful. Successful litigation by employers inhibited the spread of these strikes and the trade societies. After an economic upturn in the 1820s, strike activity was revived. Throughout the 1800s, strike activity continued to wax and wane based on economic conditions. Women participated in strikes as early as the 1820s. After the Civil War, the labor movement started to more closely resemble todays labor movement. In order to discourage strikes, instead of unilaterally setting wages and striking, unions started negotiating with employers, addressing wages, work rules, hours and grievances. This method of arbitration led to binding contracts between the collective bargaining units and the employers. The Knights of Labor, the most important labor organization of the 1800s, discouraged strikes. Mediation Union leaders, particularly those in the craft unions affiliated with the American Federation of Labor (AFL), continued to question the efficacy of strikes in the early 1900s. Instead of strikes, the craft unions turned to private mediation groups to help settle disputes. In mediation, the third party assists the negotiators in their discussions and also suggests settlement proposals. (Mathis, Jackson, 2000) An expansion of the union movement was created by four years of depression in the 1930s. The violent strikes by autoworkers, truckers, longshoremen and textile workers in 1934 sparked the passage of the National Labor Relations Act of 1935 (NLRA). The NLRA is the law governing relations between unions and employers in the private sector. .u42d5360a58cc01669d0cc6082472dbc9 , .u42d5360a58cc01669d0cc6082472dbc9 .postImageUrl , .u42d5360a58cc01669d0cc6082472dbc9 .centered-text-area { min-height: 80px; position: relative; } .u42d5360a58cc01669d0cc6082472dbc9 , .u42d5360a58cc01669d0cc6082472dbc9:hover , .u42d5360a58cc01669d0cc6082472dbc9:visited , .u42d5360a58cc01669d0cc6082472dbc9:active { border:0!important; } .u42d5360a58cc01669d0cc6082472dbc9 .clearfix:after { content: ""; display: table; clear: both; } .u42d5360a58cc01669d0cc6082472dbc9 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u42d5360a58cc01669d0cc6082472dbc9:active , .u42d5360a58cc01669d0cc6082472dbc9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u42d5360a58cc01669d0cc6082472dbc9 .centered-text-area { width: 100%; position: relative ; } .u42d5360a58cc01669d0cc6082472dbc9 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u42d5360a58cc01669d0cc6082472dbc9 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u42d5360a58cc01669d0cc6082472dbc9 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u42d5360a58cc01669d0cc6082472dbc9:hover .ctaButton { background-color: #34495E!important; } .u42d5360a58cc01669d0cc6082472dbc9 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u42d5360a58cc01669d0cc6082472dbc9 .u42d5360a58cc01669d0cc6082472dbc9-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u42d5360a58cc01669d0cc6082472dbc9:after { content: ""; display: block; clear: both; } READ: The German Shepherd Dog Essay It guarantees the right of employees to organize and to bargain collectively with employers. The National Labor Relations Board (NLRB) is an independent federal agency created by Congress, which administers the NLRA. Under the direction of the NLRB, strikes continued in the 1940s (after WWII) and while some were very long, most were peaceful. The NLRB saw to it that employers who were legally obligated to bargain with unions, did so. In addition, strikers were given legal protection. In the 1950s the number of strikes dropped sharply, as the relationships between unions and employers became more predictable. The 1960s saw a rise in public employee strikes (teachers,

Writing Band IELTS Essay Examples

Writing Band IELTS Essay ExamplesWriting an essay with Band IELTS and English Essay samples can help you obtain more success. This does not necessarily mean that it will guarantee you to obtain a perfect score. On the contrary, writing your Band IELTS essay is indeed easy when compared to writing in English.When you are about to write your essay in Band IELTS, the first thing that you need to do is to go to the demo of this exam. This is because the IELTS I am different from the IELTS II. The IELTS I is for people who are starting out and eager to learn English and the IELTS II is for the established students and those who have already passed their tests. It is also very helpful to know the types of essays that you will be asked to write so that you can prepare them. You can always start with familiarizing yourself with Band IELTS by reading through the sample essays from the tutorial section of the website.When you are about to write your Band IELTS essay, you can use the Band IELTS essay samples as reference. Take note that all the IELTS Band essays, particularly those in the tutorial section, are extremely short. Try to look at each example carefully and see if the sample corresponds to the type of essay that you want to write. In case it does not, simply start writing a new one.It is highly recommended that you begin your essay with a brief introduction of your topic. This will help to improve your writing skills and should serve as your launching pad for the rest of your essay.While preparing for the IELTS Band essay, it is also important to remember that the order of the examples and the use of correct grammar can greatly affect the way your essay turns out. Take note that you should not useEnglish essay samples to write an essay. It is important that you write your essay in the way that best suits you. However, you can use the Band IELTS example essays as a guideline.When writing your Band IELTS essay, ensure that you focus on the subject matter and not on the style or vocabulary. Band IELTS requires an essay that is concise, clear, precise and to the point. Do not write so much that it will become difficult to understand the subject matter. Remember that this is a short test and you can only understand what you are supposed to be able to do.It is also important to understand that Band IELTS is not an essay but a short quiz. This means that you should emphasize the key points in your essay. Make sure that you outline the main ideas in the essay in advance.Lastly, it is important to take notes as you read the IELTS Band essays. This will give you the opportunity to reflect on your essay and to put the key points you want to emphasize in your own words. You can also organize the essay into a journal and write down the key points you want to highlight.

Why are we here an Example by

Why are we here? What Socrates said about an unreflective life was very much true. A life that does not think of purpose is not only a waste of time for the person, but has no value for what his/her life was created for in the first place. Thus, to ask for the reason of existence is like setting everything straight in ones life. Its like aiming all your efforts to what is of worth. Its like investing for what will yield substantial dividends in the future while one is still young, and for those who are of age, its like spending ones precious time, energy, and resources for what really matters things which would last and would leave a legacy for succeeding generations. In a way, this is my reason for going to college. Need essay sample on "Why are we here?" topic? We will write a custom essay sample specifically for you Proceed I know, if there is any purpose for my life now as a teenager, it is to grab the opportunities God is giving me and there shine for his glory. In my age, one of those major opportunities is the privilege of schooling to have been able to pursue college level of education. College education is, for me, preparatory and prerequisite to getting future chance for job that will suit my profession which, for reasons of aptitude, may very likely earn me a lucrative income. This is why I decided to pursue college education to acquire skills necessary for competency in prospective future jobs. Moreover, to have finished college means to become a professional and to have reached a broader level of skills in interpersonal relationships. This is very important in a healthy community. In a very real sense, the likelihood of being able to raise a strong and healthy family is more feasible when both or even one of the parents is professional. In the issue of the course of my choice, I opted for this one because of my natural propensity to it. This is my interest and one which matches my personality. The prospect of being able to contribute to available body of knowledge and thus promote and enhance learning among future learners is exciting. It stirs me all the more and heightens my motivation to a level enough to enable me to perform at my best. Like a caught fish which later released by its captor to it natural habitat, thats what I would like to describe myself in choosing this course. Now, life has become more meaningful to me, and eventually, with my contributions, Ill be able to make life meaningful also to others who look for meaning themselves. My lifes goals are closely connected to where I am now. Im not in this college for no reason. What I am doing and will be doing in the coming years that will be spent in this school are all parts of intentional steps which I calculated and executed to attain my goals. Of course, there might be lapses along the way as I sustain (with Gods help) my efforts through the coming days, months, and years, but with the encouragements and corrections of the advisers and all of the faculty and staff of the school, Im sure Ill be upheld. As to my perception of things now, my goals in life are: enjoy the course that I have chosen, give my best to understand the profession which Im aiming and earn good grades, finish the course, and enjoy its benefits in the coming years, and benefit my community through my acquired skills and my family which will definitely contribute to the development of not only our community but ultimately, the country as well. Rick Warren, in his book The Purpose Driven Life said that the reason why many people lacked relational skills is because most of them have been raised in families with detrimental kinds of relationships. Probably, the parents were themselves abused, and thus, had no healthy perception of relating to others (Warren, 2002). This can be helped if there is a community whose aim is to foster healthy relationships; and of course, it follows that when theres this kind of aim in mind (and I think that the college/school itself has its crucial role to play in all these), students are taught how to relate well with excellence, honesty, fairness, and astuteness of mind. Reference: Warren, Rick. 2002. The Purpose Driven Life. Published by Zondervan.