Premium Essay

Grad Unit One

In:

Submitted By loda751751
Words 9234
Pages 37
Stage 2 Developing

Table of Contents

Stage 2 DevelopingTable of Contents 0
Table of Contents 1 1.1 Key factors in case study 2 1.2 Likely financial needs of the clients 7 1.2.1 Savings 8 1.2.2 Insurance 8 1.2.3 Investment 8 1.3 Suggestions how the needs can be resolved 9 1.4 Likely providers 9 1.5 Relevant products and services 11 1.5.1 Savings 11 1.5.2 Insurance 14 1.5.3 Investment 15 1.6 Reviewing the customer service provision 17 1.6.1 Citibank 17 1.6.2 AXA 19 1.6.3 Lloyds TSB Bank 19 1.6.4 NS&I 20 1.6.5 HSBC 22 1.7 Reviewing the extent to which funds are protected or at risk 22 1.7.1 Savings 23 1.7.2 Investments 23 1.7.3 Insurance 23 1.7.4 Pension 23 1.8 Identifying the criteria on which to base the decisions 24 1.9 Justification for selection 25 1.9.1 Benefit-needs analysis 25 1.9.2 Comparison with other providers, products and service 26 1.9.3 Tax implications 27 1.9.4 Risk implications 29 1.9.5 Analysis of the customer service commitments 30 1.9.6 Compensation analysis 30 1.10 Conclusion 31
References 34

1 Key factors in case study

In the case, I will give you a brief introduction about key factors in this case. My clients are Duncan Kenndy and Elaine, a retired couple.

Duncan Kennedy is a 64 years old man. And he is a retire government official. He already receives his government pension of 18,000 per year and next year he will get his state pension will give him an additional 5,500 per year. And his wife Elaine currently earns 35,000 will retire soon as part of a redundancy exercise at her firm and will start to receive her employer’s pension of 19,000. Their main income is from government pension and state pension. I

Similar Documents

Premium Essay

Unit 3 Ip

...Abstract In America as a whole the number of people that are living today is at 320,214,091 according to the Census Bureau. This number will continue to change by each minute of each day due to babies being born all over the country. Below is information regarding the findings of different survey’s and polls. Enjoy the findings from this writer. Unit 3 Individual Project Introduction As different things become relevant to our country that refer to entertainment, politics, and general everyday things different survey’s and polls will be taken by a number of people giving there different opinions about these things. Each day there are different survey’s and poll’s that are taken in order to come up with the number of people that agree, disagree, and are informed about things that are going on in our country that makes up a general number for the overall population. Although everyone in the country is not the number that each survey or poll is going by they are able to give a percentage from those who do cooperate with them and those who don’t. The only number that comes close to being accurate of those in the country in the one the Census Bureau has and even that number is off by some. What we can go by is what is given. Entertainment survey from Newsstand (Proquest) This entertainment survey is about married celebrities Sarah Jessica Parker and Matthew Broderick. This celebrity duo have been married since 1997 and have been making what is known as a ‘clean’ sweep which...

Words: 1486 - Pages: 6

Premium Essay

Better Equipping Graduate Nurses

...begins in the program of education in which they choose to enroll. Oermann et al., (2010) state, “(n)ew graduates report that they are not prepared for practice and lack essential knowledge and clinical competencies, for example, caring for multiple patients, administering medications to large groups of patients, performing procedures, prioritizing care, supervising others and delegating tasks, communicating with physicians, and using information technology (p???.).” The practice of nursing is immensely complicated and obscure to new nurses. I can speak from my own experience as a diploma nurse grad. I had been the top performer in my class academically and enjoyed praise from my instructors and peers during clinical rotations. I fully expected to continue similar if not the same success during my graduate nurse experience in the Critical Care Unit of our hospital. Another nurse grad from a baccalaureate program began...

Words: 1000 - Pages: 4

Premium Essay

Acads

...1 CHAPTER I THE PROBLEM AND ITS BACKGROUND Introduction Education is the development of the endowed capacities in the individual, which will enable him to control his environment and fulfill his possibilities to a major extent. Education is a fostering, a nurturing and a cultivating process and is attentive to all conditions of development. Furthermore, education is considered also a social process and implies a social framework for social individual development. Rahman and Uddin (2009) indicated that education is a basic need of human beings. It is also very important for the development of any country. Education is the responsibility of the state and government who should make every possible effort to provide it on an ever interesting and increasing scale in accordance with the national resources. In the rising seas of education’s changes, a group of people who have been increasingly affected is at the instance of a much serious array of problems regarding education. This group of people is composed of some 355 students of the Department of Economics of the Polytechnic University of the Philippines. 2 For the past years, studies regarding the status and determining factors regarding the academic performance of the students of PUP - Department of Economics were seldom done and there were insufficient information about these matters. Citations were apparent but there were no individual studies conducted to discover the determinants affecting the...

Words: 36552 - Pages: 147

Free Essay

Miss

...INTRODUCTION There are several opinion says that university students should not be given courses on study skills in their study programme, as they are expected to have acquired these competencies from their earlier education. From my point of view, I agreed with the above topic. The reason I agreed it is because we should not waste our valuable time in university to been taught on study skills. As one of the out campus student, time is very valuable to us. We have to secrete our time between study, work and family. Basically all the study skills such as time management, note taking, SQ3R and so on should be taught in our early education. (primary or secondary). What are the study skills? The term study skills is often used interchangeable with many other term which all describe the same thing – a person’s ability to study effectively, and their ability to acquire knowledge As I mention earlier, the study skills can be categorized as follows: Time management – as a university student, we need to organize our work for ourselves. The number of simultaneous demands being made upon us by different tutors and different courses can be quite daunting at first. Note taking - Everyone takes notes for different purposes at different times. Note-taking can serve a variety of functions depending upon both the context in which they are taken. For an example, kindly see appendix 1 (Cornell note taking) SQ3R – Is on of the reading technic that a student can implent in their...

Words: 1684 - Pages: 7

Free Essay

Duyru

...ENGLISH DISPLAY • Floating point system ←Symbol SCIENTIFIC CALCULATOR MODEL EL-501W • Scientific notation system OPERATION MANUAL PRINTED IN CHINA / IMPRIMÉ EN CHINE / IMPRESO EN CHINA 04AGK (TINSE0496THZZ) Mantissa Exponent (During actual use not all symbols are displayed at the same time.) If the value of mantissa does not fit within the range ±0.000000001 – ±9999999999, the display changes to scientific notation. The display mode can be changed according to the purpose of the calculation. 2ndF HYP : Appears when @ is pressed, indicating that the functions shown in orange are enabled. : Indicates that h has been pressed and the hyperbolic functions are enabled. If @ H are pressed, the symbols “2ndF HYP” appear, indicating that inverse hyperbolic functions are enabled. INTRODUCTION Thank you for purchasing the SHARP Scientific Calculator Model EL-501W. About the calculation examples (including some formulas and tables), refer to the reverse side of this English manual. Refer to the number on the right of each title on the manual for use. After reading this manual, store it in a convenient location for future reference. Operational Notes • Do not carry the calculator around in your back pocket, as it may break when you sit down. The display is made of glass and is particularly fragile. • Keep the calculator away from extreme heat such as on a car dashboard or near a heater, and avoid exposing it to excessively humid or dusty environments. • Since this product...

Words: 3773 - Pages: 16

Premium Essay

Financial Econometrics

...The variables are defined as follows: 1. salary – 1990 compensation, $1000s 2. age – in years 3. college – =1 if attended college, 0 otherwise 4. grad – =1 if attended graduate school, 0 otherwise 5. comten – years with company 6. ceoten – years as CEO with company 7. sales – 1990 firm sales, millions 8. profits – 1990 profits, millions 9. mktval – market value, end 1990, mills. 10. lsalary – ln(salary) 11. lsales – ln(sales) 12. lmktval – ln(mktval) 13. comtensq – comtenˆ2 14. ceotensq – ceotenˆ2 15. profmarg – profits as % of sales We would like to investigate how CEO compensations are determined. Use lsalary as dependent variable to conduct the analysis. Include a constant, age, college, grad, comten, ceoten, lsales, profits, lmktval as independent variables. Please note that a one unit change in ln(z) can be interpreted as a 100% change in z. 1. Assess the overall goodness of fit the model. (You could imagine how “bad” this model should be given your prior belief that CEO compensations were “out of whack.”) Answer: The regression output is as follows. As can be seen, the R2 is very low, 0.355378, which means only about 35% of the sample variation in lsalary is explained by the model; so the model does not fit well. 1 Dependent Variable: LSALARY Method: Least Squares Sample: 1 177 Included observations: 177 Variable C AGE COLLEGE GRAD COMTEN CEOTEN LSALES PROFITS LMKTVAL R-squared Adjusted R-squared S.E. of regression Sum squared resid Log likelihood F-statistic Prob(F-statistic)...

Words: 1829 - Pages: 8

Premium Essay

Math Formulas

...Online Reference & Tools Home>Math>Math symbols> Math symbols Mathematical Symbols List of all mathematical symbols and signs - meaning and examples. Basic math symbols Geometry symbols Algebra symbols Probability & statistics symbols Set theory symbols Logic symbols Calculus & analysis symbols Number symbols Greek symbols Roman numerals Basic math symbols Symbol Symbol Name Meaning / definition Example = equals sign equality 5 = 2+3 ≠ not equal sign inequality 5 ≠ 4 > strict inequality greater than 5 > 4 < strict inequality less than 4 < 5 ≥ inequality greater than or equal to 5 ≥ 4 ≤ inequality less than or equal to 4 ≤ 5 ( ) parentheses calculate expression inside first 2 × (3+5) = 16 [ ] brackets calculate expression inside first [(1+2)*(1+5)] = 18 + plus sign addition 1 + 1 = 2 − minus sign subtraction 2 − 1 = 1 ± plus - minus both plus and minus operations 3 ± 5 = 8 and -2 ∓ minus - plus both minus and plus operations 3 ∓ 5 = -2 and 8 * asterisk multiplication 2 * 3 = 6 × times sign multiplication 2 × 3 = 6 ∙ multiplication dot multiplication 2 ∙ 3 = 6 ÷ division sign / obelus division 6 ÷ 2 = 3 / division slash division 6 / 2 = 3 – horizontal line division / fraction mod modulo remainder calculation 7 mod 2 = 1 . period decimal point, decimal separator 2.56 = 2+56/100 ab power exponent 23 = 8 a^b caret exponent 2 ^ 3 = 8 √a square root √a • √a = a √9 = ±3 3√a cube root 3√a • 3√a • 3√a = a 3√8 = 2 4√a fourth root 4√a...

Words: 1898 - Pages: 8

Premium Essay

Responsibility Accounting

...device that involves: 1) identifying responsibility centers with their corresponding objectives 2) developing measures of achievement of such objectives 3) preparing/analyzing reports of such measures by the responsibility centers Responsibility Center -a sub-unit of an organization, such as a department, division, plant, business process or any segment whose manager has authority over, and is responsible and accountable for a specific or defined group of activities. 1) Cost Center - a responsibility center where a manager has control over the incurrence of costs but not over revenues or investments. Example: Maintenance Department 2) Revenue Center- the manager has control over revenues. Example: Sales Department 3) Profit Center- the manager has control over both costs and revenues. Example: A branch 4) Investment Center- the manager has control over both costs and revenues, as well as over investment in plant and equipment, receivable, inventory and other assets. 5) Service Center- usually operated as a cost center. It exists primarily and sometimes solely to provide specialized support to the other segments or sub-units of the organization. Organization Structures 1) Centralized organization- top management makes most decisions and controls most activities of the organizational segments from the firm’s central office. 2) Decentralized organization- there is employee empowerment; top management...

Words: 1389 - Pages: 6

Free Essay

Fluid Mechanics

...reproduced, stored in a retrieval system, or transmitted, in any or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of the publisher, Springer-Verlag Publishing Company, Inc., 175 Fifth Avenue, New York, N.Y. 10010. Typesetting and illustrations prepared by June Meyermann, Gregory Kubota, and Wendy McKay The cover illustration shows a computer simulation of a shock diffraction by a pair of cylinders, by John Bell, Phillip Colella, William Crutchfield, Richard Pember, and Michael Welcome. The corrected fourth printing, April 2000. v Series Preface Page (to be inserted) vi blank page This is page vii Printer: Opaque this Preface This book is based on a one-term course in fluid mechanics originally taught in the Department of Mathematics of the University of California, Berkeley, during the spring of 1978. The goal of the course was not to provide an...

Words: 50231 - Pages: 201

Premium Essay

Formative and Summative Assessments

...correlate with these two assessments. Formative assessments is any means by which a teacher figures out what students are and are not getting in the classroom. They provide feedback for the purpose of teaching and learning, but not for the purposes of grading (Garies, 2007). Summative assessment is a formal method of assessment, based on facts. This formal method confirms student knowledge about previously learned concepts or units of study, (i.e., high stake testing, state common core testing, and end of unit exams.) Formative assessment is part of the educator’s instruction, providing the student with constant constructive feedback to harness learning objectives. Formative assessments enable students to develop a sense of individuality within their studies and directs learning in the classroom. On the other hand, summative assessments result in definitive grades for students. They are a summary of the student’s knowledge of material and provide practical, real documentation of student progress. Summative assessments are oriented on exact grads that in some cases, create statistics for determining allocated funds for school districts. In order for summative assessments to be valid, reliable and practical, the material covered...

Words: 459 - Pages: 2

Premium Essay

Professional Development

...Registered nurses (RNs) usually work in hospitals, physician inpatient or outpatient offices, home healthcare, nursing care facilities, correctional facilities, government offices, schools or public health offices, and within the military. There primary role is provide and coordinate patient care, educate patients and the public about health conditions, and provide advice as well as emotional support for the patients and their family members (Bureau of Labor Statistics, 2016). Nursing has become one of the fastest growing healthcare professions with an expected 20% increase per decade by the year 2030 based on the high demand but quick turnover from the new grad nurses population and the 2010 Affordable Care Act (Auerbach, et. al., 2013). The Robert Wood Johnson Foundation (RWJF) and the Institute of Medicine (IOM) in 2008, created a two-year initiative response toward the need to assess and transform the nursing profession in response to the 2010 Affordable Care Act legislation which has become one of the largest health care overhauls since the 1965 creation of Medicare and Medicaid. The IOM appointed a committee on the RWJF Initiative on the Future of Nursing at the IOM to produce multiple reports that would make recommendations for an action based blueprint for the future of nursing practice (Institute of Medicine, 2010). This paper will discuss the impact of the IOM report on nursing education, the nurse’s role as a leader, nursing practice with a focus on primary care, and the changes...

Words: 1693 - Pages: 7

Premium Essay

Swot Analysis

...Strengths The Behavioral Health Unit provides psychiatric care for adults in a comfortable and confidential environment. Treatment is individualized to meet each patient's unique needs on three separate units. The facility treats a wide variety of psychiatric illnesses. For example, psychotic disorders, mood disorders, and substance-related disorders. Their specialist and technicians interdisciplinary team is composed of psychiatrists, psychologists, social workers, group therapists, nursing staff and psychiatric rehabilitation therapists. Miracles their Detox Program consists of alcoholism and addiction professional treatment. The Detox program at the Brotman, offers a range of chemical dependency treatment options. They offer an inpatient care for adults that need medical supervision during detox as well as relief from stressors that can trigger destructive behavior. The Treatment program allows patients to return to home or sober living after a full day of treatment, and the Outpatient Program allows individuals to continue working during the day and attend treatment in the evening. An Aftercare Program provides follow up by offering a meeting one night a week for a year. Together they design an individualized treatment plan to provide group therapy and therapeutic activities seven days per week in a supportive environment. With many hospital closing their Behavior Health Unit, Brotman has the advantages of admitting the patients from the facilities that are closing down in...

Words: 773 - Pages: 4

Premium Essay

Karbonn Mobile - Decision Making Process While Purchase

...I. Introduction: The assignment calls to analyze the decision making process of consumers while they purchase a certain product or a service using the principles of consumer behaviour. I have chosen to analyze the making process of consumers while they purchase a mobile device. The brand under study is Karbonn mobiles. In order to better analyze a consumers buying behaviour I will be working under two assumptions through the assignment. One – the consumer is an under-graduation student with low disposable income from India (cost conscious consumer). Two – he is interested in purchasing a touch phone which has a lot of “fun” features like apps for social networking, games, media centre etc., II. Karbonn Mobiles: The Karbonn mobile company was started in the year 2009 in Bangalore as a joint-venture between two Indian telecom powerhouses – the UTL group (United Telelinks Limited, Bangalore based) and Jaina Marketing and Associates (Delhi based). The UTL group is one of the leading suppliers of landline telephones, telecom equipment to cellular operators and in building and operating state wide area networks for governments (erstwhile supplier for the governments of Karnataka, Andhra Pradesh and Punjab). The company has also represented international mobile manufactures like Alcatel, Nokia, Samsung and Virgin in India either as regional or national distribution partners. The Jaina Group is a reputed distribution house with interests in telecom and consumer durables. The company...

Words: 2363 - Pages: 10

Premium Essay

Interveiw with a Master's Prepared Nurse

...for Woman and Infant Services, at Banner Gateway Medical Center. She was accommodating for this interview, although she states her days are quite busy, in her clinical role. Questions and Career Overview The Nurse Educator was first asked what her role was as the Clinical Nurse Educator for this medical center. She was quick to state that nurse educators in the Banner Health System not only have education for their specific units, but also have responsibilities to educate system wide. A day in the life of a Nurse Educator sometimes goes globally with her knowledge; to teach beyond his/her assigned unit.  She continued to explain that there are a variety of functions that her position encompasses, however, she limited the list to the top three: onboarding/new employee orientation, teaching in the academy or specific clinical area/unit, and then providing the required competency education for staff.  As she continued, she said, “A large portion of my role, is to create an atmosphere where a newcomer, whether the nurse is seasoned, or a new grad, become comfortable, and motivated to become part of the Banner family, and follow the Banner...

Words: 1050 - Pages: 5

Premium Essay

Professional Organizations

...PROFESSIONAL ORGANIZATIONS (AMSN, AADE, WOCNS) Academy of Medical-Surgical Nurses (www.amsn.org) As an RN at a surgical unit, I was given the opportunity to become a Certified Medical-Surgical Nurse. The hospital I worked with provided my colleagues and me a review class and paid for the certification exam. This is one of the professional organizations that closely represent my position. The Academy of Medical-Surgical Nurses’ mission is “to promote excellence in medical-surgical nursing.” They wanted to improve knowledge, skills and professionalism by educating and providing new materials to enhance learning. The organizations purpose is to improve patient care, advocate for the specialty of medical-surgical nurses, and being able to connect to others who has compassion and commitment. To improve patient care, they focused on their actions and voice, and provided evidenced-base practice, research and knowledge. Membership is open to everyone who is interested in the care of adults. Annual membership fee is $84.00 but students, seniors, new grads and associates can also become a member at a different fee. The benefits of being an AMSN member includes free journals and newsletters, free online continuing education, discounts on AMSN study resources, conventions, and application for scholarships, awards, and grants. Its professional culture and values of the organization is to improve patient care. AMSN could assist me with my professional development and lifelong learning...

Words: 1004 - Pages: 5