Category: Uncategorized

Website critique

Website critique

TOPIC Weight Loss Choosing two websites related to the topic of weight loss to review and critique, evaluate each site using the criterion discussed below. Paper is 4-6 pages excluding title and reference pages APA format 100% accurate; no spelling errors List two websites site name and URL Who runs the Web site? Credentials? Who pays for the Web site? Bias? What is the purpose of the Web site? What is the original source of the information on the Web site? Comprehensiveness of information? How is the information on the Web site documented? How is information reviewed before it is posted on the Web site? How current is the information on the Web site? How does the Web site choose links to other sites? What information about users does the Web site collect, and why? Privacy policies? How does the Web site manage interactions with users? Ease of Navigation? Intended audience? Disclaimers? Site accreditation? Summarizes findings for each sitet

Need a report on Finance

Need a report on Finance

Need a report on Finance

 

Questions/Scenario −There may be one or more questions relating to the competencies you are required to demonstrate. Trainees must ensure that the Cover Sheet provided is included with the full completed 5 Assignment submission (ie. use the provided cover sheet as the front page to your 5 assignments and submit together).

The Assessment is comprised of online questions + 5 assignments that as a whole make up the complete Assessment. You are required to complete the online questions then submit the remaining 5 assignments together.

Please note, extensive answers are not always required. Brief answers may be appropriate for some questions as long as you ensure your response adequately addresses the question.

Important: Presenting your Assessment submission in a format that is clear and appropriately structured forms part of your assessment and also demonstrates your ability to communicate ideas and concepts and use technology. After NFI has reviewed your Learning Activity question answers and your 5 Assignments have been marked, your marks will be advised put into the online platform.

All Assessments tasks should be submitted together ie. at the same time, either by mail or email or by uploading into the online platform.

Your completed assessments will NOT be returned to you as they are retained for audit purposes as required. The assessment tasks will also be used to assess your language and literacy skills. The assessor will check your assignments to ensure that they are accurate with correct grammar and punctuation

· that they are appropriate to the target audience

· that they show planning and organisational skill

· that they demonstrate your ability to search for products and service information and use problem solving approaches to identify customer needs and expectations.

Time limits− You have six (6) months in which to complete all of your course assessments. You may submit your assessments at any time within this six month period. Extensions are only available after this time for an additional fee. If your six months expires you will no longer have online access available.

Pass mark− The assessments above together form the full assessment content of this Diploma course and you are required to achieve 80% on each assessment task in order to pass the course.

Keep a copy− With all assessments submitted you should ensure you retain an electronic or scanned or photocopied record of your submissions for your own files and in case of possible loss in transit.

Assignment 1

Overview: The purpose of this task is to allow you to demonstrate that you can complete the major steps required in broking or writing a moderately complex loan for a customer – through identification, development and implementation of loan options while assessing and managing risks. The samples in Appendix A may prove helpful. Remember that what you prepare will need to be presented to the client orally and thus must be understood by them.

Instructions: Read the scenario provided and using the information and data supplied, prepare a formal loan submission for a lender using the following headings. Use subheadings where appropriate to ensure your submission will be easily read and understood by the lender. The client file should contain the standard client information and data that would be included in a typical submission for a loan of this complexity. Your lender submission should include as a minimum the following headings:

· Borrower’s Details

· Background

· Loan Purpose

· Facility Details

· Funds Position

· Servicing Capacity

· Security

· Risk Assessment and Management (according to lender policy, guidelines and relevant legislation). Consideration must be given to any environmental, heritage or native title implications

· Recommendations

· Attachments

Scenario

Andrew Bisset has been a real estate agent for over 20 years and jointly with his wife Jane own 6 shops at 55 Park Road, Belmont. Mr and Mrs Bisset own the shopping centre under the Bisset Family Trust. The property was valued 2 years ago at $1,450,000 and has a current ABZ Bank Mortgage of $625,000.

Five of the shops are rented out for $96,000. The sixth shop is occupied by Mr Bisset’s real estate business, Bisset’s Real Estate Pty Ltd, which pays annual rental of $42,000 to the family trust. For tax purposes Bisset’s Real Estate pays rent which is $20,000 in excess of the fair market rental value of the shop it occupies.

Bisset’s Real Estate Pty Ltd was formed at the beginning of the last financial year to take over the real estate agency business, which was previously conducted by a partnership between Mr Bisset and Joseph Hooper. Bisset’s Real Estate Pty Ltd took over the business when Mr Hooper retired.

Mr and Mrs Bisset now wish to acquire 3,000m2 of land near their existing shopping centre and hold it for 1 – 2 years pending rezoning.. The purchase price is $600,000. The land was previously used as a State Government Health and Dental Centre, but the building was demolished when it became obsolete. The land is currently zoned ‘Special Purpose’, but the local council earmarked the land for future ‘Commercial’ use in it recently released Town Planning Scheme. The land is located at 423 Belmont Road, Belmont and has a two street frontage with considerable passing traffic.

The Bissets have contracted to purchase the property in their capacity as trustees of their family trust and settlement is due with 60 days. They wish to raise 100% of the purchase price plus $25,000 for stamp duty, financing and conveyancing costs. They are willing to offer both the land and their existing shopping centre as security for the proposed loan. They will contribute a further $20,000 over the next 1−2 years to cover the costs associated with re−zoning of the property and obtaining approval to develop another shopping centre.

Unfortunately, ABZ Bank policy does not allow them to lend against land zoned ‘Special Purpose’ and cannot assist with the purchase. The Bissets have appointed you to approach an alternative lender to refinance their ABZ Bank Loan and obtain the additional funds required. Assume an interest rate of 7% for a commercial loan, 9% for an overdraft.

Work History

Andrew has been a real estate agent for 22 years in the Brisbane South East area, he specialises in commercial and industrial property (rent roll comprises 75% commercial and industrial properties). His gross salary last financial year was $78,000. In the previous financial year he drew $55,000 from the partnership with Joseph Hooper. Jane has worked as the property manager since Bisset’s Real Estate Pty Ltd took over the agency after the partnership. Her salary last financial year was $43,000. She did not work in the previous financial year.

Financial Information

Last Financial year Bisset’s Real Estate Pty Ltd recorded the following financial results:

Gross Revenue $346,000
Net Profit $72,000
Depreciation $14,000
Directors Superannuation $11,000

In the previous financial year the partnership of Andrew Bisset and Joseph Hooper trading as Bisset’s Real Estate recorded the following financial results:

Gross Revenue $422,000
Net Profit $ 84,000
Depreciation $ 16,000
Directors Superannuation $ 11,000

The Bisset Family Trust purchased the shopping centre at Park Road Belmont 18 months ago and its financial statements for the past financial year are as follows:

Gross Rental Income $138,000
Loan Interest $ 52,000
Management Fees $ 11,000 (paid to Bisset’s RE Pty Ltd)
Net Profit $ 50,000
Depreciation $ 25,000
Financial Position – Andrew and Jane Bisset
ASSETS

House at 12 Currumbin Close Carindale QLD

  

$560,000
Share Portfolio (Blues Chip Listed Shares) $345,000
Motor Vehicles $ 60,000
Furniture $ 85,000
Cash at Bank $ 45,000
LIABILITIES

Home Loan with ABZ Bank

  

$190,000
ABZ Bank Credit Card (Limit $20,000) $ 10,000

Financial Position of Bisset’s Real Estate Pty Ltd Assets

Business Goodwill $250,000
Plant & Equipment $35,000
Debtors $30,000
Liabilities
ABZ Bank Overdraft (limit $40,000 secured by residence) $25,000

(Keep in mind that, in the absence of actual tax returns which would confirm the income distribution of the trust, any profit would be distributed and taxed in the hands of the beneficiaries. For the purposes of this assignment, assume company tax of 30%, even though in “real life” of course you cannot assume and the distributions would be clear in “real life” financials.)

Property being purchased

Vacant Land

423 Belmont Road, Belmont QLD 4171

Lot 84 on RP 9564 Zoning “Special Purpose” Area 3000m2

Existing Property

Shopping Centre

55 Park Road, Belmont QLD 4171

Lot 43 on RP 9542 Zoning “Commercial” Area 1850m2

Tenancies

Tenant Rent Term Rent Review
J & R Blend

T/A Blend News

 $22,000 pa net 3 + 3 years Annually by CPI
Copelin Accounting Pty Ltd $18,000 pa net 1+ 1 +1 years Annually by CPI
R Spragos

T/A Roger’s Deli

 $28,000 pa net 5 + 5 years Annually by CPI
Vu Nguyen

T/A Care Pharmacy

 $20,000 pa net 3 + 3 years Annually by CPI
M Goodson

T/A Good Alterations

 $8,000 pa net 3 + 3 years Annually by CPI
Bisset’s Real Estate Pty Ltd $42,000 pa net 3 + 3 years Annually by CPI

Assignment 2

Instructions

The assessment for this module is to prepare TWO    submissions (see A and B below):

Part A: This is for the client so that they have the facts on all their obligations and fees and the structure of the loan. Remember that what you prepare will need to be presented to the client orally and thus must be understood by them.

Part B: This is for the lender − a loan application to the lender in order to gain pre− approval.

Part A – The Client

1. Prepare a list of questions that you would need to ask your clients about the proposed transaction, that is, prepare your needs analysis (ie. Fact Find).

2. In a suitable format, prepare a submission for the clients, a Proposal Document.

What your report should include:

1. The parties to the loan

2. The security

3. The facility details

4. Lender details (options, recommendations) that are able to lend

5. Confirmation of the client’s complex requirements

6. The personnel that maybe involved: eg. the client’s solicitor, accountant, financial advisor

7. The client’s responsibilities, so the client fully understands the loan

8. An outline as to the process timing and what the client needs to arrange

9. The documentation needed to commence the borrowing

10. The name in which the client will sign the contract to purchase

11. A summary of all fees and charges

12. Your notes detailing how you have provided appropriate contact with the client throughout the complex broking process

The samples in Appendix A may prove helpful.

Part B– The Lender

Prepare a loan submission to the lender for pre−approval. Your submission should include as a minimum the following headings:

1. Borrower’s Details

2. Background

3. Loan Purpose

4. Facility Details

5. Funds Position

6. Servicing Capacity

7. Security

8. Risk Assessment and Management (according to lender policy, guidelines and relevant legislation). Consideration must be given to any environmental, heritage or native title implications

9. Recommendations

10. Attachments

Evidence Requirements In order to be deemed competent, you will need to evidence the ability to:

· Develop detailed broking options designed to maximise the client’s outcomes and reach client objectives which incorporate elements from research and which address complex needs and issues

· Identify and describe key assumptions upon which the plan is based

· Provide a detailed analysis of research strategies and findings

· Test and make appropriate checks on a proposed plan for its integrity and compliance

· Assess the impacts of taxation, social security, economic and other government policies on client investment and financial requirements

· Interpret and comply with industry regulations and codes of practice

· Identify the roles of associated financial advisers and work effectively with them

· Assess broking options, financial markets and investment characteristics

· Use appropriate sales and marketing methodologies and provide justification and research evidence

· Gain client feedback on and/or agreement to the plan

· Prepare materials and personnel to effectively implement complex loan structures

· Establish appropriate audit trails and effectively document records and data.

Scenario

Commercial Equipment Finance for Ray Henley and Steve Manning The clients you met with this morning have been referred to you by another commercial client.

They are joint company owners Ray Henley and Steve Manning and they run a successful and growing transport company. They have a diverse client base spread over many industry sectors which is a conscious management strategy to ensure that they do not have significant business risk to a specific market segment or client. All contracts are written with 30 day payment terms. Background industry checks as well as credit history checks are completed on all new business prospects to ensure that there are no adverse issues that may impact on future trading arrangements.

Whilst they have only been trading for 34 months they have a solid business plan with actual results to date exceeding projected sales and profit estimates included in their plan.

The business was established with unsecured (apart from Personal Guarantees) Seed Capital of $500k from a private investor based on a guaranteed return of $45k pa, and an overall term of 5 years which also requires a principal reduction of $100k pa. The loan can be repaid at any time without penalty.

Ray and Steve’s Requirements To accommodate new contracts in hand and planned future expansion, the applicants require establishment of an Equipment Finance Limit of $500k to purchase Trucks and Dog Trailers in the next 12 months. On the advice of their accountant, a new entity, Henman Holdings Pty Ltd ATF The Henman Discretionary Trust, has been established to purchase equipment which will be internally hired to Henman Transport Pty Ltd (the trading entity). Hire charges will equate to finance payments. Ray and Steve are directors of both companies. The longer term intention is for the Trust to acquire premises to be occupied by Henman Transport Pty Ltd.

As part of this expansion the company has leased a second depot at a cost of $6,000pm and will also retain the existing depot.

They currently have 5 employees and where needed are using sub−contract operators to fill shortfall in their delivery capacity. Purchase of new additional trucks and trailers will provide additional capacity and flexibility and reduce reliance on sub−contractors who can be unreliable.

Whilst a limit is being sought, purchases will only proceed where additional work has been contracted or older equipment is being replaced. Applicants are happy to provide half yearly management accounts as an approval covenant to give a lender comfort that projected sales and profits are in line with budgets.

Applicants are keen to reduce debt as quickly as possible and have therefore decided to finance all new equipment over a 48 month term, without a balloon/residual and will commit a refund of GST Input Credits as additional repayments built into the contracted loan structure.

Initial Fact Find Ray and Steve have both been in the transport industry for many years each being Financial controllers for major transport companies. Ray has an MBA and Steve a marketing degree. These combined skills complement each other and assist in the effective management of the business. Ray is married and has no dependants. His wife is a school teacher and she will be retiring at the end of the year.

Steve is single and is presently completing a HR degree as they feel that as the business grows these skills will be required. Steve and Ray have provided the last two year’s financial accounts for the trading business, as well as interim accounts for the current financial year.

(Note: You need to calculate the required servicing for the new debt and surplus required for lender comfort. Assume an interest rate of 10% for the proposed debt)

Financial accounts

· Year 1− Sales $700k Net Profit $240,000

· Year 2− Sales $812k Net Profit $358,000

· Current year interim indication− Sales 1.125m Net Profit $506,000 (10 months) Operating Costs include – Depreciation $86,000, Interest $52,000, Sub−contractors $71,000, Directors’ Superannuation $60,000

· Wages to partner one $100,000 (paid as Fully Franked Dividend)

· Wages to partner two $100,000 (paid as Fully Franked Dividend)

· Payment to private investor (flat fee) $45,000− Expensed in P&L as Finance Cost

· Existing Equipment Finance (Chattel Mortgages) repayments of $5,000pm

Key Balance Sheet Items

Cash $25,000
Debtors $220,000
Creditors $100,000
 

Notes:

They currently meet all creditor payments at 30−day terms.

Debtor collection has been solid with active management of debtors and pre−contract investigation of new clients.

They have just signed a delivery contract with Organic Flower Growers who supply to Coles Supermarkets state−wide. To accommodate this work their initial purchase will be a refrigerated Pantec truck at a cost of $145000. Projected net profit from this contract is $60k pa

Assignment 3

1. Describe how you gather the information required when establishing the client’s complex lending requirements?

In answering this question you should refer to:

· Explanation of the services provided to the client

· Listening and questioning techniques you employ

· Your use of language appropriate to any cultural differences

· Your interpersonal skills and how you would deal with any emotive issues sensitively

· Your ability to build/establish rapport

· Your professionalism

· Your communication skills

Your provision of appropriate contact with client throughout the complex broking process

2. Describe how you record and document your interaction with clients?

In answering this question you must refer to:

· Templates used to gather information in initial interview

· Diarising or recording telephone conversations

· Procedures that are established for critical implementation, timing and priorities

· The  documentation gathered

· Any technology used to record or gather information.

· How you access and use appropriate specialist software, organisational templates, spreadsheets and databases

How your recommendations and loan structures, as presented to clients, are documented according to organisation guidelines and procedures

3. Describe how you research and consider complex broking solutions based on the clients’ needs? In answering this question you must refer to:

· How special or complex features of a client’s situation and objectives are discussed, reviewed and clarified

· The analysis of the client situation to determine opportunities and constraints

· Research into loan structures or options including those which are new or non standard

· Consideration of financial issues in terms of economic, legislation, taxation, legal, insurance

· In what conditions would the broker need to refer clients to a Tier One advisor (eg. financial advisor or accountant)

· How possible loan structure or options are analysed, modeled, prioritised, and measured

· The process used to reject inappropriate options including checks to ensure compliance with relevant acts

· Assessment of options to successfully achieve the client’s objectives

How you liaise with others, share information, listen and understand

4. Describe and/or provide evidence of how you identify and manage risk when dealing with clients with complex loan requirements?

In answering this question you must consider:

· Risk evaluation criteria eg undertaking risk categorisation and determining the level of risk

· Risk assessment tools (eg. valuation practices)

· Communication of the aspects of the valuation result/s to clients

· Discussion on the issues around an adverse valuation

· Establishment of the probability of risk including the severity and/or impact

· Identification of stakeholders and how throughout the loan process

· you seek their views

· provide pertinent risk information – clearly describe risks

· recommend amendments to existing controls and report any need for new controls

1. How would you as a professional in the industry ensure that you comply with industry and government requirements and professional codes of practice?

2. How would you read and interpret organisational and industry information?

5. Provide an example of how you present the loan options to the client, including an explanation of why you chose that option or options. This also must state the name of the lender and an explanation of why you chose that lender.

In answering this question you must consider: how you guide the client through options including:

· Discussion of impact– advantages, disadvantages, risks and financial implications

· Fees charges and commissions inclusive of any fees paid by the lender directly to the broker

· How would you explain to the client the lender conditions as they comply with relevant legislation, regulatory guidelines, industry sector compliance requirements and the lenders policy

· Research and documentation provided to the client

· Consultation required with other financial services professionals (eg. accountants, lawyers, financial planners, valuers, etc.)

· Confirmation that the client understands the options presented and any concerns are addressed

Providing information on complaints resolution procedures (internal and external) as included in the information provided to the client.

6. Prior to presenting the loan options to the client did you identify any concerns that the client may raise? What preparation was completed to respond to these concerns?

Consider:

· Research/documentation  materials

· Alternative  recommendations

· Regulatory limits and financier guidelines

In your answer you should also refer to your ability to:

· Identify and respond appropriately to client concerns

· Exercise restraint when dealing with clients in conflict situations

The process used to gain agreement to proceed from the client.

Assignment 4

Question 1: In this exercise we are analysing some financial statements in preparation for completing a submission to a financier. The scenario is provided below and an income statement and balance sheet is then provided for Wholesale Butchers. You will then have3 tasksto do:

A. Using the 2 financial statements provided for Wholesale Butchers Pty Ltd, calculate the ratios in the table provided and comment as to the risk using Low/Medium/High rating:

B. Complete the manual Serviceability Analysis for Wholesale Butchers Pty Ltd by inserting the figures into the table provided

C. List your comments on the outcome from your completed Serviceability Analysis as you would if presenting this in a submission to a lender.

Scenario:

Mr Brett Olsen has owned his wholesale butcher company “Wholesale Butchers” for the past four years. He is the sole director and shareholder of the company. The past six months has seen an influx in orders and, to keep up with demand, he requires another refrigerated van in order to maintain delivery standards and turnaround times to his respective buyers.

Mr Olsen is purchasing a second hand van, 1 year old, from RV Dealers for $55,000 and is considering a 5 year Chattel Mortgage (CM), with an interest rate of 9% and monthly repayments of $1,133.21. He has opted not to provide a deposit and is not seeking any balloon at the end of the loan term. As no deposit is to be applied, repayments will be monthly in advance.

Brett’s only business debts are an overdraft with CBA with a limit of $25,000 and current balance of $2,800 and his CM with Esanda for his existing refrigerated van, monthly repayments $1,058 pm with 2 years remaining. His financials for the financial years ending 2014 and 2015 are provided here for your perusal and assessment.

Wholesale Butchers Pty Ltd Income Statement For the financial year ending 30 June 2015

2014

$

 2015

$
Sales 485,000 509,250
Cost of Goods Sold 291,000 305,550
Gross Profit 194,000 203,700
Operating Expenses Advertising 1,250 1,300
Depreciation 9,000 7,650
Interest 4,372 3,735
Office Equipment 1,000 1,100
Rent 29,100 30,555
Stationery 800 925
Utilities 25,000 26,000
Vehicle Expenses 9,700 10,185
Wages/Staff 48,500 50,925
Salaries 32,000 35,000
Amortisation 500 500
Total Operating Expenses 161,222 167,875

                                           Net Profit                                     32,778                  35,825

 

Wholesale Butchers Pty Ltd

 

Balance Sheet

For the financial year ending 30 June

  

 

 

2015
 

2014

  

2015
$ $
Assets
Current Assets                  Cash 22,945 25,078
Receivables 4,042 4,244
Stock on Hand 5,596 5,876
(May be recorded as Inventory)
Total Current Assets 32,582 35,197
Non-Current Assets         Plant and equipment 24,000 21,600
Vehicles 35,000 29,750
Other Non-Current Assets 2,348 2,574
Intangibles (Formation Costs) 6,250 5,750
 

 

Total Non-Current Assets

  

 

67,598

  

 

59,674
Total Assets 100,180 94,871
Liabilities
Current Liabilities            Creditors 11,192 11,752
Overdraft CBA (Limit $25,000) 3,600 2,800
CM Esanda Current Portion ($1058×12) 12,696 12,696
Provisions                          Employees 4,042 4,244
Other 598 637
Total Current Liabilities 32,128 32,129
Non-Current Liabilities CM Esanda Long Term Portion 22,256 11,295
Total Non-Current Liabilities 22,256 11,295
 

Total Liabilities and Provisions

  

 

54,384

  

 

43,424
Net Assets 45,796 51,448

Part A− Using the financial statements provided − Wholesale Butchers Pty Ltd − you should fill in the table below by calculating the ratios in the 2014 and 2015 columns and in the Risk Grade column comment as to the risk using the grading of LOW, MODERATE  or HIGH.

You should also make comments/notes on your analysis.

RATIO 2014 2015 Risk Grade
1. Current Ratio
2. Quick Ratio (Acid Test)
3. Return on Equity (ROE)
4. Return on Assets (ROA)
5. Debt to Equity Ratio
6. Debt to Assets Ratio
7. Leverage Ratio
8. Interest Cover Ratio (ICR) – Existing Debt
9. Debt Servicing Cover Ratio (DSCR) – Existing Debt

Part B. Using the financial statements provided − Wholesale Butchers Pty Ltd − complete the serviceability analysis  below.

30 June 20 30 June 20
Values in $000 Values in $000
Net Profit Before Tax(Note  1)
Potential Add Backs
Interest
Depreciation / Amortisation (Note  2)
Directors Salaries / Superannuation (Note  3)
Other non−cash items
Extraordinary / Non recurring expenses (may be Plus or Minus) (Note 4)
Earnings Before Interest, Taxation, Depreciation, and Amortisation (EBITDA)
Taxation allowance (Note 5)**
Available for Debt Service
Interest Cover Ratio
Proposed Deductible Interest Costs:
Existing $            k @             % *
Plus Proposed        $          k @             %*
Total Proposed Interest Costs
Proposed Interest Cover(Note  6)

(EBITDA divided by Proposed Interest Cost)
Debt Service Cover Ratio
Existing O/D or Credit Card assumed fully drawn at prevailing interest rate interest only*
Existing Loan Repayments
Proposed Loan Repayments
Total Commitment Proposed
DSCR(Note 7)(Available for Debt Service divided by Total Commitment Proposed)

Part C. Complete comments on the outcome from the Serviceability Analysis, as you would if presenting this in a submission to the financier.

Wholesale Butchers Pty Ltd − Serviceability Analysis Comments Comments may include but are not limited  to:

Question 2: Please research the Internet (eg. Google) on the subjects below and review the course material, then provide comprehensive answers to the following: A Trusts

· What is a Unit Trust?

· What is a Discretionary Trust?

· What is a Hybrid Trust?

· What is a Discretionary Family Trust?

· What is a Trustee?

· Define the differences of each type of Trust, including the obligation/s of the Trustee

· Provide an example of when each type of Trust would be used.

B Company

· What are the legal requirements of a company?

· What are the personal obligations of directors by law (please summarise)?

· Can anyone be a director of a company?

· What is the minimum number of directors required?

Question 3:From your research activities please provide answers to the following (from a Financial Accounting perspective)

· What is a Balance sheet?

· What is a Profit and Loss statement?

· What is Depreciation?

· What is Liquidity Ratio?

· What is Current Ratio?

· What is Debt to Equity Ratio?

· What is a Cashflow Statement?

· What is an Asset?

· What is Liability?

· How is a Net Profit determined?

· How would you define Equity?

· Under Australian taxation conditions, what are allowable expenses (provide 3 acceptable examples)?

Question 4: From your research activities please provide a definition of the following products and give examples:

· Commercial Bank Bill

· Invoice or Factoring Finance

· Chattel Mortgage

· Asset Finance product or Equipment Finance

Question 5: In the Australian Standard AS/NZS ISO 31000:2009 there are 11 Principles of Risk Management. List 6 of them and briefly state what each one is about.

Principle Outline of Principle

Question 6: There are many ways that an Industry Analysis can be completed. We have provided a sample below of a simple process to categorise the overall risk of any business/industry that you may choose to analyse. Please review the entries on the table below. To simplify the process some factors have been grouped together to alleviate any overlap of impact.

Task:In approximately 200 words, explain why you believe it is necessary to categorise risks

Industry Risk Factor Low Risk Moderate Risk High Risk
 

Life Cycle

  

Mature Industry

  

Mature or Saturated

 Decline or Introductory
 

Social/Demographic

  

Stable trends

  

Unstable trends

 Very unstable – strong trend impact
 

Cost Structure

 Lower Fixed costs −

Higher Variable Costs

 Fixed Costs Higher than Variable Very High Fixed Costs, Very Low Variable Costs
EconomicEnvironment Not impacted by Business Cycle Some impact by Business Cycle Heavily impacted by Business Cycle
PoliticalEnvironment None to little influence, some regulation Some to heavy, Influenced by regulation Strong Influence – heavily regulated
 

Buyer Impact

  

Many Buyers

  

Fewer Buyers

 Few buyers, large search effort, high budget required
 

Supplier Impact

  

Many Suppliers

 Limited or Few Suppliers Dependent on one or few, large input value
Threat of New Entrant  

High barriers to entrant.

 Lower start up costs, access to market No new entrant barriers− very low costs
Threat of Substitute Product/Service  

No Substitution

 Some substitutes −

low cost to switch

 High level of substitutes no switching costs

Assignment 5

Task:Please construct a written plan for sustainability for your business (or proposed business). Please incorporate all the points below into your plan. Length should be approximately 1000 words ie. two typed pages. Note, if you are in, or propose to be in, a sole trader business or working within a structure that has their own business plan, then not all of the points may be applicable to you however they should be covered in your assignment. Simply say after the point “may not be applicable to my business” however most points should be. Also please note that profitability is crucial to sustainability and should be considered in any plan.

Additional assistance:

· We provide a Government Sustainability Toolkit document in Appendix k

· You can utilise the internet to assist with your research, for example:

· http://sustainabilityskills.net.au/what−is−sustainability/my−business/

· http://sustainabilityskills.net.au/what−is−sustainability/sustainability− practice/strategy−and−management/planning−and−procedures/

Points to cover in your plan:

· Define scope of sustainability policy − what do you want to  achieve.

· Gather information from a range of sources to plan and develop policy.

· Identify and consult stakeholders as a key component of the policy development process.

· Include appropriate strategies in policy at all stages of work for minimising resource use, reducing toxic material and hazardous chemical use and employing life cycle management  approaches.

· Make recommendations for policy options based on likely effectiveness, timeframes and cost.

· Develop policy that reflects the organisation’s commitment to sustainability as an integral part of business planning and as a business opportunity.

· Agree to appropriate methods of implementation, outcomes and performance indicators.

· Promote workplace sustainability policy, including its expected outcome, to key stakeholders.

· Inform those involved in implementing the policy about expected outcomes, activities to be undertaken and assigned responsibilities.

· Develop and communicate procedures to help implement workplace sustainability policy.

· Implement strategies for continuous improvement in resource efficiency.

· Establish and assign responsibility for recording systems to track continuous improvements  in  sustainability approaches.

· Document outcomes and provide feedback to key personnel and stakeholders.

· Investigate successes or otherwise of policy.

· Monitor records to identify trends that may require remedial action and use to promote continuous improvement of performance.

· Modify policy and or procedures as required to ensure improvements are made.

Discussion: Cyberthreat

Discussion: Cyberthreat

  • Must respond to initial questions with at least 250 words. Respond to 2 peer rresponses with at least 50 words.

  • Discussion Assignment Question

    Chapter 5 of the course textbook states: “In 2013, cyberthreats were at the top of US intelligence reports for the first time. Cyberthreats are now the number one type of danger facing the United States, according to current National Intelligence Director James Clapper, who coordinates the CIA, NSA, and many other agencies” (Turban, Volonino, & Wood, 2015, p.152).

    Question:

    Perhaps you, a friend, or relative have been the victim of one of the recent cyber attacks at Target, BofA, or Citibank. Is it possible for businesses such as these to fully prevent such threats to your personal security or are they fighting a losing battle?

    Remember, one goal in the Discussion assignments is to create an atmosphere of interaction by posting meaningful responses that advance and expand the depth of the discussion. Do this by providing additional support to your peers’ initial and response posts, or if appropriate, by challenging them if you feel that the data that they presented is weak. Likewise, when a peer challenges the data in your posts, debate the issue, and providing further support for your points of view on the topic.

    Remember, your textbook is not your only research source. You must perform research utilizing outside primary sources to receive an excellent grade in this assignment. If you need the book I can send you the info via messenger

  • Place appropriate APA style in-text citations and a Reference List for any “borrowed” data obtained from a source.
  • Your data needs to be grammatically sound and free of spelling errors.
  • Using terminology from the reference sources in your answers will enhance your grade.
  • Unless you are a subject matter expert on the topic, based on your degrees, certifications or “on the job training,” do not submit data obtained only from personal experience

Discussion: Current Ratio

Discussion: Current Ratio

Financial Statements Analysis

Using the Annual Report of Apple company answer the following questions in the Discussion:

  • What balance sheet format does your company use?
  • What is the company’s largest current asset and largest current liability at year end?
  • Compute the current ratio at year end.
  • Did the current ratio improve, worsen, or hold steady?

The company is Apple and the link is

http://investor.apple.com/secfiling.cfm?filingid=1628280-16-20309&cik=320193#A201610-K9242016_HTM_S6D9F6383DC8154C6A9550261722A985C

Must be able to respond to 2 peer reviews with 2-3 sentences.

You may use a service such as Yahoo Finance (Links to an external site.)Links to an external site.to help research industry averages. The notes to the financial statements will also be of use in answering the discussion questions. For many of the ratios in the discussion, you will need 2-3 years’ worth of financial data.

Movie critique

Movie critique

Watch The Color Purple Write a 4-5-page paper using APA format throughout: Write a brief summary of the film Examine the culture depicted in the film using two of the six components of Giger and Davidhizars Transcultural Assessment Model Communication, Space, Social Organization, Time, Environmental Control, Biological Variations. Why did you choose these two components? Explore any perceived challenges with caring for this group in comparison to YOUR beliefs How does it affect you as a nurse caring for this patient. Conclusion

Human Rights – Deviance

Human Rights – Deviance

Requirements:

The point of the summary assignment is:

– To ensure that students are engaging with the readings on a timely basis, and

– To demonstrate your writing, citation and reading comprehension skills at the university level

 

Summary assignments are not research essays so you are not to go beyond the readings of this course. They are written summaries of the main points of the readings where you are to identify the main concepts, ideas and issues presented in course readings. Nor is your task to criticize the author’s ideas – simply identify what you feel are the main points, concepts or themes in an article and relate them back in a way that demonstrates you understand them, as if you were explaining the article to someone else. If you want to mention how ideas in the readings relate to issues and themes in the course you may do that as well.

 

How To Write Reading Summaries For This Course:

Your primary task for the reading summaries are as follows:

  1. a) You are to re-present the ideas in the readings back by explaining them in your own words or by citing the author directly. A combination of both is the best technique.

 

  1. b) In addition to repeating the main ideas you are asked to add your own thoughts by discussing

why you feel the ideas are interesting or important or how you feel they relate to issues in our

society.

 

All good pieces of writing have a defined structure and clear organization and flow of ideas. Just like when you are telling a story to a friend you start at the beginning and then give details to explain further – good writing is the same way, it must flow logically, and begin with the same points that the author begins with. The text should be 12 point font single spaced with standard margins.

 

Cite the articles properly – do not plagiarize!

 

Begin the summary by stating in a sentence or two

– what the article is about,

– what the author is saying in general

– or what issues are being discussed.

 

Try to explain in your own words what the main ideas are. You can paraphrase and quote directly

but be sure to cite properly or it is considered plagiarism!*

 

When you quote an article simply do the following: As Bales states, “modern slavery is

characterized by…” (Bales, 2005: 13).

 

Summary Document Format

The title heading on the second page would be the title of the first article you are summarizing. For

example:

1). Bales, Kevin. “Understanding Slavery Today” in Understanding Global Slavery: A Reader. 2005. University of California Press.

 

 

 

Divide your summary into separate sections for each article and then also into subsections for eachof them by using the same subsection title headings that appear in the original article you are

summarizing.

 

If the readings for the class you are summarizing include more than one reading then the

assignment should be divided into separately titled sections for each reading with the reference for the reading at the start of each new section. DO NOT EXCEED 2500 words.

 

 

How do I choose which of the many points in an article to summarize?

Take a look at the start of the reading and figure out what the author is saying in general. What is

the title? What are the main issues being discussed? This is easily determined usually because the

author will use subsection titles to organize their article and explain its content. Put their thoughts

and ideas into your own words as best you can and cite their work. Quote passages of the articles

directly if you feel the author gives a clear definition of an idea. The point is for you to summarize the main ideas by trying to put them into your own words just as if you were explaining it to someone else. It is a good idea to quote an important passage and follow this with your own explanation of what it means or its significance, especially in relation to other themes in our course.

 

Pick main themes and key concepts and then some secondary information to explain

further. Most of the readings themselves are already organized into subsections so you should also approach the readings one section at a time. You do not have to summarize every section of each reading – that will often be too much. When trying to decide if you should summarize a point being made ask yourself the following:

Does this point seem central to what the article is about and does it make sense to me?

Do I find it interesting enough to be able to re-tell in my own words?

 

You can read the material and do your summary at the same time or you can read through, take

notes and then write up your summary. It is up to you to decide whether you want to focus on a few points and go into detail on them or focus on many points and give only light details about them.

 

You do not need a formal introduction or conclusion of any sort – simply begin by telling what the article is about by explaining the main concepts, concerns and ideas. The point of the exercise is for you to demonstrate your comprehension of the course material, and not necessarily to critique it.

 

How are the reading summaries graded?

The reading summaries will be graded according to how well you follow the criteria below:

– The clarity and precision of your writing and the accuracy of how you represent the ideas in the readings

– How well you are able to explain and identify the main concepts, themes and ideas and connect them to other themes and concepts from our course

– All of the readings for that class are covered in the document that you submit

– The summary includes your name, the name of your tutorial leader, the date submitted, page numbers, subsection titles etc. – basically how well you follow the instructions listed in this syllabus

– The summary includes proper titles for each reading or chapter included in your summary

– The quality of your writing, including punctuation, grammar and proper citation style on quotes

– Proper organization of writing through use of subtitles, proper titling and citation

– How imaginative you are at connecting ideas together and explaining them back as a flowing narrative

– The organization and flow of ideas