...important things every financial planner and/or investment manager should have. They're very inexpensive compared to the benefits, even if you already have financial planning questionnaires. There's going to be much more value with ours, that you can cut and paste to make your own custom financial discovery tools with. Your financial plan case writer will also love you if you get and use these, because it eliminates most all of the data input and rework problems caused by bad note taking, bad handwriting, outdated / duplicate financial statements, bad spreadsheets, and other piles of folders clients give you (correctly thinking that it's your job to make sense of). Start doing "your job right," and your paraplanner case writers will love you for a change, instead of the opposite. Financial Planning Fact Finding - Phase I: The first part of the process is gathering mostly "generic" information that prospects already know the answers to. Here there are two choices which gather the same mostly objective data. Choice one in the first phase of fact finding: Fact Finder Part I is 17 pages,...
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...providing money for my everyday life? Saving is a systematic plan for the expenditure of a usually fixed resource, such as money or time, during a given period. Imagine if you lost your job, and couldn’t pay your car payment, and/or had no money to buy your everyday needs. You start using a credit card, and end up spending so much that you cannot pay it back on time. What happens to that bill? It builds up interest, and creates an even bigger problem to begin with. Interest is a charge for a loan, usually a percentage of the amount loaned; an excess or bonus beyond what is expected or due. No one wants to build up this type of interest. It’s bad, hard on you, and can put you under a lot of stress if put aside. Think of it, if you started saving now, putting a little bit here and there in your savings, you’d build up an interest in that, not a bad interest a good interest! Your regular $500 dollars you technically put in, now will become $1,000 due to the interest the bank gives you. Tell me that...
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...interest and passionate about working or starting a business in the tourism industry. But it is also a nightmare to that student who jumped right in just because the course looks promising or because somebody referred them to it or because it is considered heroic pursuing a diploma or a degree in their village. Sometimes it’s good to think about yourself and what you want first before u start thinking about the societal needs. There are some factors that you should really consider and some insights that you should know before making a decision to pursue a course or a career in this field. Here is the summary: Understand the field first-before jumping right into the tourism or hospitality field of study, it’s not only smart but safe first if you really know some few facts about the industry. We are no longer in the 19th century when all u had to is to get a diploma or a degree and jobs will start following you. It is very important to have some facts like the possible careers and opportunities that you could pursue, the current trends in the industry and what it takes to make in industry. Be passionate about it. A course is definitely right for you when you can talk for 10 minutes on the question, 'so what do you like about that course?’ or if you went to a club last night and you wake up in the morning with a really bad hangover but you still don’t want to miss that class. Passion is when others are counting reasons why the course sucks; you are just blown away by the opportunities...
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...learned that one of our reaction papers will be about Thomas Kuhn’s ‘Structure of Scientific Revolutions,’ I immediately searched through the internet what this article or book is about. Opening one of google’s link, I saw it was a book and (the story) looked very long. I thought to myself, ‘Oh, no! This is going to be a very long and boring read.’ And I knew I will not be able to finish reading it and give a reaction in a week so I looked for a summary of the book, instead. And there were a lot done by different people/organizations. From the various summaries I read, I found the book interesting because it was not a conventional science book. Yes, it talked a lot about science but the paradigm shift that Kuhn wrote about got my interest. The ‘scientific revolutions’ were true and believable and somehow, I agree with them. Science, or normal science as Thomas Kuhn put it, is the process of gathering facts to build hypotheses that explain different phenomena in the world. It is a ‘research firmly based upon one or more past scientific achievements, achievements that some particular community acknowledges for a time as supplying the foundation for its further practice.’ And this is the science that almost everybody knows. This is the science I know. I couldn’t care less what those new achievements are. I just watch the Discovery Channel and surf the internet and they would tell me what is new and how things happen in just one click. In this book, I could almost feel...
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...from a financial stand point, emotional, or its overall effect. I will also be writing about the possibilities of decriminalizing recreational drugs and the effects that would have on everyone. Lastly, I will discuss why I believe this is the best course of actions along with why I believe that it has not been done already. The simple fact of the matter is more people die each year from alcohol, tobacco, and prescription drugs than any other cause of death in the world. That includes cancer, aids, and many other prominent diseases combined. Benefits I will start off with the pros of legalizing drugs which are the following, tax dollars earned from sales, less tax dollars spent on housing inmates for drug possession, and less broken homes from people being hauled off to prison. Two senior lecturers at the University of Harvard have conducted studies to show how much revenue would come from legalizing drugs. In their findings they saw that there would be over 40 billion dollars in tax revenue. Over 8 billion from marijuana alone, and 32 billion from cocaine, heroin, and other drugs. It’s said that right now that marijuana is a bigger cash crop than wheat or corn. Now that is the money coming in from these drugs. Imagine how fast we could decrease our national debt, not to mention the tourist attraction that would come from this. Amsterdam has already seen the effects of legalizing just marijuana to an extent they have a massive amount of tourists, and they’re crime rate...
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...positive experience as a club member. Those who are fans of these associations argue that the Greek system give students a wide range of leadership opportunities and paves the way to lasting friendships. 3.) In most cases this is true, however it's unfortunate that a number of fraternities and sororities are little more than an excuse for getting drunk and doing potentially dangerous pranks. 4.) A good strategy for anyone considering joining a fraternity is to weigh the pros and cons of life Disadvantages of Fraternities 1.) First of all it is a great time commitment. You will have to devote all your time to your fraternity or sorority. Once you are a member, you should take part in all social events, meeting and competitions. 2.) Money. When you join the organization you should pay initiation fee and room. However, it is not all. You will continue spending your money on social events, attire and other unexpected expenses. 3.) A negative images. Actually, sororities and fraternities are organization that are aimed at positive results. Some of them are rather conservative and remain non-smoking or alcohol free. Dedication I just want to inform all people that want to join in Fraternities and Sororities, it’s not easy as you know to other people there are many challenges you will encounter if you start to enter in a organization or fraternity. I can say this because im one of them. Introduction Social Fraternities and Sororities Social fraternities...
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...understanding of the difficult ethical questions asked in business and how corporations respond to those questions using moral philosophies. From the time when the short summary written in regards to the meaning and importance of the term ’responsible business’ in week 2, till today, I have explored various historical, moral, governance and economic aspects of business both domestically and internationally, proliferating my knowledge in regards to responsible commerce. I have come to understand the moral landscape or commercial enterprises which have helped me to appreciate the social and ethical dimensions of the business culture. The analysis of the James Hardie case and the Utilitarianism Theory depicts my knowledge growth. In doing so, I am able to now make more informed business decisions for the benefit of both myself and the wider society. JAMES HARDIE The history of asbestos in Australia and around the world is a history of cover up with companies choosing to ignore the dangers for as long as possible. Asbestos causes significant health problems, most notably lung cancer and mesothelioma, a type of cancer that affects the lining of the heart and lungs. Exposure to the fibres over a prolonged period – such as in the workplace – increases health risks significantly. The mining process was just the first stage of damaging contact with asbestos. The mineral was then manufactured into the myriad materials that helped build the houses and workplaces of post-war Australia...
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...you want to stop your habit entirely, or would you rather practice moderation?" With rare exception, I hear an immediate, "I sure would like to be able to smoke or drink occasionally, like other people." or "I wish I could learn to gamble/exercise/eat/shop moderately and less often, like normal people do." Others say, "My problem is with street drugs, not booze, so why does everyone tell me that I have to stop drinking? It's natural to want to strive for the moderation of our habits rather than total abstinence. I can't imagine anyone indulging in their unhealthy habit of choice and not deriving some compelling benefits. But the fact is, abstinence is substantially easier to achieve. If you doubt that, just think about all the times you were able to go on a very strict and rigid diet, or stop smoking, or abstain from alcohol, gambling or drugs -- only to find that once you started drinking occasionally, or cheating on your diet, or borrowing cigarettes, you soon ended up right back where you started. It has become a clich?, but it's still more than a good joke: "I can quit any time I want. I've done it thousands of times!" Of course, the issue of moderation is not subject to discussion when your habits involve eating, spending, or relationships. With activities like these, moderation is the only option. What kind of goals should you set if your habit doesn't involve food or life sustaining activities? Such behaviors include, but are not limited to: gambling...
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...Argument Summary of Digital Natives and Immigrants Nancy K. Herther’s article titled “Digital Natives and Immigrants: What the brain research tells us” discusses what brain research shows regarding the generation of digital natives. A digital native is anyone who was born into technology. A digital immigrant is a user over 30 who was not born into technology but may use it. Herthers research is centered on the idea that digital natives are different genetically and there is a generation gap. Using neuroscience studies Herthers looks into whether the digital natives generation is different genetically or has just learned and adopted. Herthers uses different studies and scientist or psychologist to answer this debate. The research indicates there is in fact no genetic difference instead there is just a gap between generations. Therefore Herthers believes there is no evidence to support this claim that digital natives are genetically different than any past generations, there is simply a generational gap. Herthers introduces this debate as to how different the digital natives are from digital immigrants, and whether this difference is due to a generational gap or a genetic difference. Herthers then uses research to answer this debate; the research goes into the differences between Digital Natives and Immigrants. The research includes how both digital natives and immigrants think, socialize, and how their brains might work differently. Herthers...
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...prepared and submitted by CLAIRE BLOOM LUMONTAD, BRUSETTE CASTAÑOS AND YASMIN MARIE S. RODRIGO MS. APRIL LOUISE D. AYATON PANELIST MS. K-ANNIE MARIE SAYON PANELIST MS. DONNAHLOU LAO PANELIST MS. COLLEEN B. SOBREVEGA teacher ACKNOWLEDGEMENT We wanted to take this opportunity to give thanks to people who made a great part of this research paper we have conducted. To our dear Parents, for the financial support they’ve bestowed upon us and of course their unconditional love & concern they have showed us while making these. To our adviser, Mr. Reyno Cañas, who never cease to understand us that she To Ms. Colleen Sobrevega, who had provided us the guidelines on how to come-up with this research paper and broaden more our knowledge about this. To the Panelist, Ms. April Louise D. Ayaton, Ms. K-Annie Marie Sayon, Ms. Donnahlou Lao, who exerted time to lend their ears for criticizing our work that made it better. To our respondents, who were willingly open to share their experiences and answer our questions regarding on our said issue (The randomly selected SPCFIans). To our friends we have who inspires us to do this, namely, Albert Seno, Jeanieme Carcuevas, Nonna Balbarino, Keycee Marie P. Dutosme, Mathew Bregente, Ethel Marie Avenido, Kerr Jayme, Ma. Queenie Faye Ralota, Melojie Lauron, Angie Gimenez and Noelyn Marie Navarro. And...
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...Taking Sides: Determinism Introduction From the moment that a child is born, they are dealt a hand of cards in life. It can be either a good hand or a bad one. No one can say why a person is given a good or bad life; it is just what the universe has chosen for them. It is fate. It is determinism. Determinism can be a tricky subject for some. Especially those who have a belief that one has the option of choosing what it is they want in life. To others, determinism is simple. Determinism is this; the options that a person makes in their lives that are dependent on their environment, and what they are taught to believe is right and wrong. This paper will be discussing why determinism is what makes a society the way it is, and why...
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...Chose one of the following scenarios: • You are a member of a group working on a class project. The group members are enthusiastic about the project and arrange a meeting time to begin planning. You forget to mark your calendar and miss the meeting. The group posts a summary of the meeting with assignments and deadlines for the project. You apologize to the group and agree to complete the topic research for the project. You realize you have a paper due in another course on the same day your research is due and concentrate most of your time on your individual assignment. The paper takes longer than you thought, and you are unable to conduct research for the group project by the deadline. You feel bad about this and do not respond to inquiries from group members. You post a message to the group explaining you are having computer problems. The group expresses their empathy and proceeds without you, completing and submitting the project with your name included. • A position opens in your department at work. You recommend to a coworker and friend in another department that she should apply. You previously consulted with this person on small projects, and she appears knowledgeable and responsible. In fact, you became friends through these work contacts. Your friend appreciates your recommendation and arranges a meeting to ask you more details about the work done by your department. The meeting is productive, and your friend takes notes to help with the application process. Your...
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...1. Speak on the function of different plot-structure patterns. A Retrieved Reformation | The Story-Teller | Summary of the story: | The story is written by O. Henry and tells us about the life of a man with 2 personalities at the same time: Jimmy Valentine, who used to crack saves and Mr. Ralph Spencer, the phoenix that arose from Jimmy Valentine’s ashes, who wanted to start a new life with a beloved woman. | The story is written by Saki (Hector Hugh Munro) and tells us about a group of people: an aunt with 3 children and a bachelor. The aunt tried to come down the children by telling them a story. But it was so dull for them that this bachelor had to tell another one, much improper that the aunt’s one. | Narration: | The story is 3rd person narration and the main form of presentation is narration with elements of dialogue. The story told from this point of view is more confiding and sounds true to life. Though told from the 3rd point of view it nevertheless helps us to feel an emotional connection with all characters. The author tries to reveal Jimmy’s personality both with the help of his thoughts, words and actions and the author’s description of the events, to show us his hard way of gaining a better life. | Though the story is told from the 3d person point of view, we can say that the events are shown through a bachelor’s perception. As well as in “ARR” the main form of presentation is narration with elements of dialogue and here the characters are described from...
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...ensure that your hard-earned dollars are used by those with the best productive investment opportunities? Copyright ©2015 Pearson Education, Inc. All rights reserved. 7-3 Chapter Preview In this chapter, we take a closer look at why financial institutions exist and how they promote economic efficiency. Topics include: •Basic Facts About Financial Structure Throughout the World •Transaction Costs •Asymmetric Information: Adverse Selection and Moral Hazard Copyright ©2015 Pearson Education, Inc. All rights reserved. 7-4 Chapter Preview (cont.) • The Lemons Problem: How Adverse Selection Influences Financial Structure • How Moral Hazard Affects the Choice Between Debt and Equity Contracts • How Moral Hazard Influences Financial Structure in Debt Markets • Conflicts of Interest Copyright ©2015 Pearson Education, Inc. All rights reserved. 7-5 Basic Facts About Financial Structure Throughout the World • The financial system is a complex structure including many different financial institutions: banks, insurance companies, mutual funds, stock and bonds markets, etc. Copyright ©2015 Pearson Education, Inc. All rights reserved. 7-6 Basic Facts About Financial Structure Throughout the World • The chart on the next slide shows how nonfinancial business attain external funding in the U.S., Germany, Japan, and Canada. Notice that, although many aspects of these countries are quite different, the sources of financing are somewhat consistent, with the U.S. being different in its focus...
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...CONTENTS I. Introduction about customer service 3 II. Summary of John Lewis case study 4 (A good customer service) III. A bad customer service: VNPT's Internet Operator 7 A. Company's overview 7 B. Analysis of the case and causes 8 1. The registration procedure 8 2. The level of staff and technicians 9 3. The attitude of the staff operator 10 C. Recommendations 12 IV. Conclusion 14 V. References 15 Introduction about customer service Customer service is the way a business looks after its customers. According to Turban et al. (2002), "Customer service is a series of activities designed to enhance the level of customer satisfaction – that is, the feeling that a product or service has met the customer expectation". Customer service has to be a team effort and not just the responsibility of employees who deal with the public directly. Providing good customer service is a vital part of managing a business. Most customers have the option to go elsewhere if the quality of customer service is lacking. On the other hand, good customer service is a source of competitive advantage. Good customer service leads to customer satisfaction. Satisfied customers are more loyal and profitable. Dissatisfied customers take their money elsewhere – and tell their friends about the poor service they have received. A good customer service bring a lot of benefit to the company if they have one: increasing sales, customer loyalty, enhanced public image, more effective workforce...
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