...SDG SDG SD G SDGSD G SDG SDG SDG SDG SDG DSG DSG DSG DS GDS GS DG DSG SDG SD GDS GDS GDS GDS GS DG SDG SDG DS GSD G SDG SDG DS GSD GDS G SDG DS GDS G DS GDS G DS DS GDS GDS DGS DGS DGS DGS DGS DGS DGS DG DG DSG DGS DG DGS DGS DGS DSG DGS DG DG DG DGS DG DGS DG DG DG DG DGS DGS DGS DGS DGS DG DGS DG DG DG DG DG DG DGS DG DGS DG DG DG DG DGS DGS DGS DGS DG DGS DG DG DGS DGS DG DGS DGS DGS DGS DGS DGS DGS DG DGS DGS DG DGS DG DGS DGS DG DGS DG DGS DG DGS DGS DGS DG DGS DGS DGS DGS DGS DG DGS DGS DGS DGS DGS DG DGS DGS DGS DGS DGS DGS DGS DSG DSG DGS DGS DGS DGS DGS DGS DG DGS DGS DGS DG DGS DGS DGS DGS DG DGS DG DGS DG DSG SDG SDG SDGS DG SDFG SFG SFG SFG SFG SFG SFG SF GSF GSDFGSFG DSG FSG SFG SF GFSG FSG SFG SFG SFG SF GFSG FSG SFG SDFG SFG SFG SFG SDFGSGFS GFS GSF G SFG SFG FSG FS GFS GS FG FSG FS GSF G FS GFS G SDFGFS G SF G...
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...Key disclosure documents- Financial Service Guide (FSG), Statement of Advice (SOA), Product Disclosure Statement (PDS) Disclosure requirements are designed to promote informed decision making by both advisers and investors. In the context of financial services disclosure documents, the aim is to enable investors to compare and make informed choices relating to financial products. Chapter 7 of the Corporations act 2001 institutes that a FSG must be given to a retail client who has been provided with a financial service while a SOA must be given to a retail client provided with personal advice and a PDS should be given to a retail client before he acquires the financial prouct. An FSG is required to be given to a client in the provision of general or personal financial product advice. The purpose of a FSG is to enable clients to make an informed decision as to whether to obtain financial services from a particular provider. The level of detail required in the FSG is what would reasonably be required by a person to empower him to make an informed decision. It is imperative that the FSG is worded and presented in a clear, concise and effective manner and must not contain information or statements that are misleading or deceptive S942B(6A). Whenever financial services are provided, financial service providers have an obligation to give retail client an FSG. Circumstances which does not warrant a FSG include – when a client is not a retail client, when there’s an absence...
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...Khfsda fsjlf dslkjf dslk dskl;f dslkf lkds fdlks f Dskf dsklf ds Lkf dslfkj dsflkj Ds fljkds fljds fljkd flkjd fkdl kld fklds fkld k Kfd Fld fljds fd D fldjs fldsjkf df Fd Gfsd Gf Sg Sf Gfs G S G Fsr G Fsrg Fs G Sf G Fs Gf Sg Fs G Fs G Sf G Fs G Fsg Sf G Sf G Sfg Sf Gfs G Sf Gfs G Fsg Sf Gfs Gfs G Sfg Sfg Fs Gfs Gfs Gfs G Fsg Dsfg fsbKhfsda fsjlf dslkjf dslk dskl;f dslkf lkds fdlks f Dskf dsklf ds Lkf dslfkj dsflkj Ds fljkds fljds fljkd flkjd fkdl kld fklds fkld k Kfd Fld fljds fd D fldjs fldsjkf df Fd Gfsd Gf Sg Sf Gfs G S G Fsr G Fsrg Fs G Sf G Fs Gf Sg Fs G Fs G Sf G Fs G Fsg Sf G Sf G Sfg Sf Gfs G Sf Gfs G Fsg Sf Gfs Gfs G Sfg Sfg Fs Gfs Gfs Gfs G Fsg Dsfg Fsbd Bhf S D D Deg Sg Ds/g Dsg Dsg Ds/g Dsg Dsg Dsg Ds/g Ds/g Ds/g Ds/ g/d egds g dsg ds gds gds g fsg frs r tgs rg seg erg er g saer gs reg saer greger gser g erg re ger g er g er g sre rIn this project the UNIVERSITY MANAGEMENT SYSTEM (UMS) makes the management to get the updated information. this system includes the three functional divisions they are University administrator College administrator User (student / faculties). UNIVERSITY ADMINISTRATOR has the functionality of registering new colleges and courses. COLLEGE ADMINISTATOR includes the creating department, course for each department, for each subject you should have to allocate a faculty. USER in this project the USER includes the two either lecturer or student. The faculty will enter the attendance...
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...xcm xz lkc mx cmz xlc mmslm lam dk sam dsk md ak sdmks ad mks amdksa m dka smd ksa mdk as m d ks mksfm ks mkm ks ld mks amd ks m d sakd mask ldm ask mds akd mas kmd sakd ma sk ldm as k dm sddsa sad sad sdg fsg fas asd grw fafs ads grsad asd sda xc df gsd sd er asd er gfg fgsf sad sad sac asd as sa sa sa sa sa sa sa sa sa s sa sa sa sa sa sa sa sa s s sa sa sa sa sa sa sa as sa sa sa sa sa sa sa as as sa sa xcm xz lkc mx cmz xlc mmslm lam dk sam dsk md ak sdmks ad mks amdksa m dka smd ksa mdk as m d ks mksfm ks mkm ks ld mks amd ks m d sakd mask ldm ask mds akd mas kmd sakd ma sk ldm as k dm sddsa sad sad sdg fsg fas asd grw fafs ads grsad asd sda xc df gsd sd er asd er gfg fgsf sad sad sac asd as sa sa sa sa sa sa sa sa sa s sa sa sa sa sa sa sa sa s s sa sa sa sa sa sa sa as sa sa sa sa sa sa sa as as sa sa xcm xz lkc mx cmz xlc mmslm lam dk sam dsk md ak sdmks ad mks amdksa m dka smd ksa mdk as m d ks mksfm ks mkm ks ld mks amd ks m d sakd mask ldm ask mds akd mas kmd sakd ma sk ldm as k dm sddsa sad sad sdg fsg fas asd grw fafs ads grsad asd sda xc df gsd sd er asd er gfg fgsf sad sad sac asd as sa sa sa sa sa sa sa sa sa s sa sa sa sa sa sa sa sa s s sa sa sa sa sa sa sa as sa sa sa sa sa sa sa as as sa...
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...Australian Commercial law Name Institution Course Date Question 1 Introduction This is a case emanating from the corporations Act 2001 where the authorized financial advisor acted unprofessionally according to the Australian corporations Act. The breach of law led this financial advisor to jail. The judge issued his verdict basing on the provisions in the corporations Act 2001 to safeguard the plaintiffs from the negative impacts caused by the financial advisor Mr. weaver who gave false information to his clients. Motives of the financial advisor (Mr. Weaver) From the case, we are informed that Mr. Weaver (the defendant) pleaded guilty for 3 counts of failing to have a reasonable basis for the advice he gave and one count of making a false or misleading statement. He admitted that the advice he offered to his clients did not have a reasonable basis thus, it is as if he offered blind advice that affected the clients negatively. The clients followed his advice presuming that he is a trusted professional who has extensive knowledge in matters of financial investments. The defendant Mr. Weaver did not have any ulterior motive by giving this false advice but seems he acted this way due to assumptions. He did not take time to analyze the underlying facts so as to come up with credible advice that would benefits his clients; thus, he acted carelessly. Legal tools used by Judge Wall QC In making his ruling, judge Wall capitalized on section 1041E of the Australian corporations...
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...compensations in total. The first part of this report would briefly state the background of the dispute, which showed as above. And then, the decisions of the adjustor, which is the Panel in this circumstance, would be illustrated regarding the relevant legislation. Thirdly, the financial loss and other claim would be indicated based on the inappropriate financial advice and also concern about the other factor impact on the compensation, which are the foreseeability test for the loss claimed by the applicants and the level of contribution from the applicants. Fourthly, it pointed out that the critique of the decisions made from the adjustor in response to the case. The strength of the evidence is that to prove the failure of providing the FSG and SOA, but these failures did not cause the loss of the applicants. While it still has some weakness about the evidence, such as the insufficient evidence for proving the...
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...Australian Commercial law Name Institution Course Date Question 1 Introduction This is a case emanating from the corporations Act 2001 where the authorized financial advisor acted unprofessionally according to the Australian corporations Act. The breach of law led this financial advisor to jail. The judge issued his verdict basing on the provisions in the corporations Act 2001 to safeguard the plaintiffs from the negative impacts caused by the financial advisor Mr. weaver who gave false information to his clients. Motives of the financial advisor (Mr. Weaver) From the case, we are informed that Mr. Weaver (the defendant) pleaded guilty for 3 counts of failing to have a reasonable basis for the advice he gave and one count of making a false or misleading statement. He admitted that the advice he offered to his clients did not have a reasonable basis thus, it is as if he offered blind advice that affected the clients negatively. The clients followed his advice presuming that he is a trusted professional who has extensive knowledge in matters of financial investments. The defendant Mr. Weaver did not have any ulterior motive by giving this false advice but seems he acted this way due to assumptions. He did not take time to analyze the underlying facts so as to come up with credible advice that would benefits his clients; thus, he acted carelessly. Legal tools used by Judge Wall QC In making his ruling, judge Wall capitalized on section 1041E of the Australian corporations...
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...NOT MEASUREMENT SENSITIVE MIL-STD-961D 22 MARCH 1995 SUPERSEDING MIL-STD-961C 20 MAY 1988 DEPARTMENT OF DEFENSE STANDARD PRACTICE FOR DEFENSE SPECIFICATIONS AMSC D7117 AREA SDMP DISTRIBUTION STATEMENT A. Approved for public release; distribution is unlimited. MIL-STD-961D FOREWORD 1. This standard is approved for use by all Departments and Agencies of the Department of Defense (DoD). 2. DoD 4120.3-M, “Defense Standardization Program Policies and Procedures,” discusses the different types of specifications used by the DoD. This standard establishes practices for developing performance and detail specifications prepared by or for the DoD. This standard covers the requirements for "standard" performance and detail specifications, meaning specifications that are used on multiple programs or applications. 3. It is DoD policy to give first preference to developing and using performance specifications. If it is not practical or effective to use a performance specification, a non-Government standard should be used. If it is not practical or effective to develop and use a performance specification or non-Government standard, a detail specification may be developed and used, but only as a last resort. 4. There are two primary objectives for the changes to this standard. First, for the DoD to meet its military needs in the current economic and political environment, it must increase access to an expanded industrial base that can meet defense needs at lower costs with state-of-the-art...
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...Eddjv dh sdh dsh fsdhfs h hs fdhf sh hs fdhsf shf shf shf dh fhs fhsf hf sdgf gfv fvgf vg vgfv fg gfs fgs fgs fgsd gs fgsf sg g fsg fsgf dsg gf sgf sgf sgf gf fg fgs fgs g f sgf sgf f sgf sgf dg sgfs fgs sg fgsf sg g gf sg fg fgs sgs gf sg vbcnb cn cnv cn c cnv cnv cn cnv nc cnc nv ncv cn vnc hs h sd wu sdc dscsd hc hc shc sch ch chdc dhc h ch cb b zbc hvha dh fdh dshf shs sh dhsd hs shf hd hd fhd fdh ssh shd fdhf hs fsh f sh sh shsa bhlbfrk hd hdfhd hd dhd hd dh fdh dh dh dhdf dhf dhfd h fdhf dhf hsdf vsdah h sdh sah vhsa hds dh dsh lah hsdla h asdh fhhf shjfsd hjsd f\s hjf sjf sdhf sjh fshjf jsf shf shf h fdhf dhs sjad sfj fhj fvdhsf dsafhjsa hjsa hds fhds asdhf dhdf fhdr hr hr hg ghr rhg rwehr hgr rh ghr rh gh h sadsdfhadslg afsh hdsabdhshahsdaslsda hd shas gdshj hdsa dhs gdsh dsha gdh agh gdha gh sdha dshgd has ahsd hd gdsah dsh dsh adhs asdh gdh gdsahg dshad sha dsha dgsh gsadh sdahsd aghds ghdsa asdh adshg asdhsa hs ghd shds hds sdhsdhsd ds hsd shfs hs hs fhs sh shs hs sh fshs hsfs hdf shf shs d d fhd fdhf h hfd fhd fhd hd fdhs hs fsh fshf shs hfs fsh shs hs reih rh rs fsdhf fhs fhs f fhsf shf sh sar hfrehre...
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...ADS FASF JA SSSS SSS SSS SSSS SSS SSSas jkl JKL JAK LJSDF akjsf kla jsdfk lja skd jfhj akd fs kjahdfkjhakjdsfn adjsfkajdsfklj kl jdfklajdf lkja dklfjasldfj kl jfl kjadfkljlk f df fd f d f ds f adsfa f rag th eh df g s gf a df a f a sf a f s f as df gf fg h gh fsg fsdg ds fd g h f a af d gfd s gfd g f d sfdg g f fg fjk j jk jjk h ghh hj aadsfkj klaj jadskfljakl klj kljakl jfkla jklfaj lja ljf l fl fkljlsaj fklas klasjfkjklasdjfkl j fkl jn jkj hj ghgh gh ghj hj hkjkljhjh yug jh hhj jk j j kj hh gh g yu jkl j hjg df ersdtr hjkj kjl jiu ut r tg hj hhg gfy rtgyu hj hbh gh tres rxdcfbh jfnjnadsfkn afjioaj iofjadso ifjadiofj ja dijad fs idoas iofdjas oijaosdjf ojoijoaidfsj ojaodfs ad sjoaj dsiojas ioj adsfo oadfj sodj o ad adsfiojadsio jodfs ajoaj dfsoiadfso oadfs oiajds foijadsiofjoi joifj io adfoafo oadf soafdsoadfso oadfs oadfso oadj fo fo afof df asdfsn oasdfno anfo odf oajdsfoj oadf ojafo jaof oad fj oajsdf oja dso jfa odj ofadj oja ofj ofjdadfj oadijf sojdf ojao sjoadjsofj oj adsfo jads ofj oadsjf ojadfo ja odfsj ohariu fiubasdn fonawuerbf jagui baidfsn lkansdf iobiafub iubadfsi bkajdfni as o dbif aijd sf I ua bs df kljn adfs n iua shd fiu has d fnio au ds hfia dfs d afs adsjfkas da fjkladsfj klajdsfasdfj kldjafs kla dsjfklajdsfkl dafsj kladsfadfkj jadsfkljakldsfj dklafsjklasj dafsj klajdsfkl aeoif aiadfjioaewf dasfjioaejfio jgfvndaf jaidsfj ioafojadfsjio ajfasdf ashdfakj safj kasjdfajdflkadjfs kladlfj lkadfsjklasdfn kljadfsl kjkladsfjsdfj klajdsf ladsjf...
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...REGULATORY GUIDE 90 Example Statement of Advice (SOA) for a limited financial advice scenario for a new client August 2005 REGULATORY GUIDE 90: EXAMPLE STATEMENT OF ADVICE What this guide is about This guide explains how and why we have developed an example Statement of Advice (SOA). The example SOA was developed in consultation with stakeholders, and we acknowledge their valuable contribution throughout the process. 1 2 This guide: (a) sets out the purpose of the example SOA (Section 1); (b) outlines the framework in which the example SOA was developed (Section 2); and (c) explains why certain information has been included, or not included, in the example SOA (Section 3). Note: For the example SOA, see Appendix B. For details of the financial advice scenario on which the example SOA is based, see Appendix A. This guide should be read in conjunction with guidance we have issued on how we will administer the SOA requirements, including: 3 (a) Policy Statement 175 Licensing: Financial product advisers— conduct and disclosure [PS 175]; (b) Licensing: The scope of the licensing regime: Financial product advice and dealing—An ASIC guide (November 2001, reissued May 2005); (c) Policy Statement 167 Licensing: Discretionary powers [PS 167]; (d) Policy Statement 168 Disclosure: Product Disclosure Statements (and other disclosure obligations) [PS 168]; (e) Media Release [MR 04-062] FSR disclosure to be clear, concise and effective (10...
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...been many examples of this Enron, AIG, and Merrill Lynch. Unethical practices are nothing new in our country. Forbes has a very interesting article named “ Executive Beware: The SEC Now wants to Police Unethical Corporate Conduct where it talks about how unethical behavior among companies has been increasing in the last few decades and how new laws have had to been drawn up in order to try and control the irresponsible actions of many companies: “ The focus on ethics in corporate operating procedures is a trend that has grown over the last few decades. This growth has largely been driven by the passage of and amendments to three major pieces of legislation: the Foreign Corrupt Practices Act (FCPA), the Federal Sentencing Guidelines (FSG), and the Sarbanes-Oxley Act of 2002 (SOX Act). The FCPA, passed by Congress in 1977, marked the beginning of prosecuting unethical corporate conduct. It was passed in response to Congress’s realization that a massive number of American companies were engaged in the unethical practice of bribery overseas. It criminalized illegal and questionable payments to foreign government officials, and required publicly traded companies to maintain records that accurately and fairly represent the company’s transactions. ” The Foreign Corrupt Practices Act was enacted in 1977 and is a United...
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...Final report INDEX Amber Inn & Suites, Inc. 2 Summary 2 Question 3 Answer 3 Explanation 4 Teaching Notes 7 GloFish, LLC 8 Summary 8 Question 10 Answer 10 Explanation 11 Teaching Notes 20 Amber Inn & Suites, Inc. Summary * Time: Late in the afternoon on April 4, 2005 * Company profile: Amber Inn Suites, Inc. is positioned as limited service hotel between economy hotels and full service hotels in US. The company locates its properties on premium sites on major highways close to suburban industrial and office complexes, airports, and large regional shopping centers for the most part. Urban, downtown locations have been avoided. And the service mission is to provide principally business travelers with clean and comfortable quest accommodations in convenient locations at reasonable price. ◎ Organization Board of Directors President & CEO Joseph James VP Grace SVP Elizabeth SVP Finance SVP Lodging Op SVP Players: 1. Joseph James is the new president & CEO of Amber Inn Suites, Inc. 2. Kelly Elizabeth is Senior Vice-President of Sales and Marketing. 3. Catherine Grace is Vice-President of Advertising. Fiscal 2005 was projected to be the fifth consecutive unprofitable year for Amber Inn & Suites, Inc. The new president of Amber inn &suite inquired that each of company’s four senior vice-presidents was to prepare a one hour presentation that described (1) his or her initiatives, expenditures...
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