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HND大综合

1.Planning—Action Plan

1.1 Likely resources to be used

I am a bank's investment manager. Our target customers are David and his wife Martha Collins. This is the first phase of the report, including strategy, the main resources and the timing of the project. In this report I will use some resources are as follows : the main research: I will use surveys and observational studies, to David and Martha plan to close the lowest risk profit maximum programme. Secondary research: I will search for online information search, information books, buy a newspaper, the questionnaire survey way, I will also use ( questionnaire in the appendix), then I realized that any customer is old people who are over the age of 70to obtion low risk financial plan. Also researchers to generate a financial plan from 2011 to2013. I have a group, we will have a discussion group. This information can understand the new rate, new product information, some banks, I can with my group to provide the best customer project.

1.2 Strategy for carrying out report

Product life cycle is a marketing study, which can help customers know, they can get the maximum profit investment. In the first instance, I will consult by telephone to understand the idea of the David`s and Martha`s in mind and make a household survey. So that they may be more understanding of the financial construction order to understand their needs.

On the one hand, according to their family is saving, pensions and any other expenditure. I will make a list of funds, then analyze and identify the financial risks and other kind of risk like this investment was failed and so on.

Different portfolio based on different stages of lifetime, customers can choose according to their own situation of different products. Group discussion, there are many staff to customer service and we can discuss the best solution for customers

1.3 How the project will be managed

I spend 4 months to complete this report and make 3 year plan for them,In this project divided into three parts,planning,developing and evolution.

In the plan I will introduce some basic information, such as the resources and strategies, I will use my report, structure, time for my report, I how to arrange a time to finish my report, and help resources. I will introduce some of the key factors in the situation, summary customer financial demand include deposit, loan demand, protection needs. Suggestions for improvement, potential suppliers, I will list relevant products and services, and benefit-need analysis, comparison between suppliers, for tax position, I'll give you a reason to choose. In the evaluation, an evaluation standard, in this part there is a standard to evaluate the financial planning can help clients to understand my planning more clearly, the changes made to the project than the original plan, and the effectiveness of the process. The last is the conclusion, in which I can ensure that

the final financial plan for my clients.

I got the information from newspapers and the Internet or other place, it can help me get good news, interested, I can better enable customers to maximize the benefits, according to all their money, I could help them do the low risk investment, I will know something about the phone, their family members and all of the assets and make a questionnaire survey, understand their needs,

group discussion is a kind of can get some useful information from the different things, can you help me to put the best project, my client, these important information can be provided to couple to solve the problem quickly.

questionnaire survey

1: your general in what time period to the bank for business:

A Monday to five9:00-12:00-14:00-16:30 17.69%

B Monday to five12:00-14:00 0%

C weekend or holiday 1076.92%

D Other

2: you choose which way for banking business?

A go to the bank counter service 323.08%

B in the Internet bank business0%

C use ATM automatic teller machine for business

3: Do you think the bank queue is serious?

A yes

B no

4. How much returns of investment do you expect to obtain through the financial plan designed by us?

A. ≤3%

B. 3%-6%

C. ＞6%

2 .Developing—case study report

2.1 Key factors in case study

1. Fundament situation of clients

David Collins, who is 73 years old, he is a retired former Army Colonel.

Martha Collins, Davids' wife,aged 70 and also retired, was formerly a legal secretary.

Both of them keep in very good health and enjoy a good standard os living form their generous pensions.

The couples have two grown-up children Jonathan and Jeanette.Jonathan is 51 years old and has never married. Jeanette is 48 years old having four children aged between 24 and 14 years of age

2. Family statement of income and expenditure

The couples have a three-bedroom townhouse in a fairly popular part of town,which has been estimated at a value of 310,000 and which their own outright.

They have 4,500 cheque account and 12.00 instant access savings accounts in Cadogan Bank.having 40,00 national saving capital bonds, 2500 national saving income bonds and 10,000 premium bonds. They couples also have treasury stoke which has had at a value 15,00 until 2014

3. Financial situation

David retired former Army Colonel,his annual income is 70,000. Martha Collin retired form a legal secretary, her annual income is 50,00.

Collin's annual income os 120.000.I will make a detail diagram.

Annual income after tax Value Percentage

David ￡70,000 58%

Martha ￡50.000 41%

Total income ￡120000 100%

4. David and Martha Collins family tree

5,According to the case ,taking some assumption

(1)Inflation rate

According to this year report,the highest inflation rate is 4.4% in February,but the government Controls great,so the rate fall to 1.9% just under the expectation. From my perspective, the inflation rate will be 3%during 2011 to 2013

(2)Emerge cash available:Considering the Collin`s both senior,so they must keep some emerge cash to resolve accident.

I argue they could keep ￡40,000.

（3）Life expenses:

I maintain the couple life expenses are ￡3600.

（4）Bills：

Collin is bill are ￡4800.

(5)Traveling expenses:

They traveling expenses are ￡3000

(6)Some other expenditure is ￡1000.

(7)The rent of three-bedroom townhouse in a fairly popular part of town is ￡12000

(8)The two bedroom house value is ￡250000.

2.2 Likely financial needs of the clients

2.2.1 Savings

The collins expect to have an additional 40，000 in cash available for savings, after purchase and all associated legal and removal costs, David and Martha both are senior so their financial portfolio are low risk and their have been careful savers throughout their lifetime and have tended to investments that carry any risk.

2.2.2 Mortgage needs

According to they relies that, as they are not getting any younger so they planning to move to sheltered accommodation and have identified a two-bedroom property nearer to Jeanette's home.2.2.3 Protection needs

David and Martha are determined that their grandchildren should benefit form their estate when the couple die and are concerned that should they ever need to go into a nursing home, that their financial assets will be drained to pay for the costs. They do not wish to place the burden of paying for care on their children..they are aware that the value of their estate is such that this may lead to the payment of inheritance tax. They are anxious to avoid this.

2.3 Suggestions for improvement

According to David and Martha is financial needs ,I make this suggestions for three parts savings,Mortgage and their protection needs.

Saving:

For helping the couple know more about the risk of saving and the profit of saving,I make a list and a diagram.

The types of savin Risk Profit interest rate

Chequy Account low low 0%

Saving Account low low 0.50%

Capital bonds middle middle 2.50%

Income bonds middle middle 1.75%

Treasury stock hight hight 10%

Premium bonds low low 0.90%

I will do some adjustment in their savings portfolio.I insist the couple leave ￡4000 in their Cheque Account because the couple need that in cash available. Leaving ￡5000 in their Instant Access Saving Account because the couple could handle some emerge things and withdraw all cash ￡10000 in Premium Bonds.Transferring all this cash in Capital Bonds and Treasury Stoke.

The adjustment saving portfolio is:

￡4000Cadogan Bank Cheque Account

￡5000Cadogan Bank Instant Access Savings Account

￡60000National Savings Capital Bounds

￡5000National Savings Income Bounds

￡32500Treasury Stock 2014

Total:￡106500

Mortgage:

Strategy 1:

The couples buy the second house which is sheltered accommodation and have identified a two bedroom property nearer to Jeanette is home and their do not move to nursing house.

Strategy 2:

The couples will nit buy the second house, they just move to the nursing house.

Strategy 3:

The couples buy the second house and the couple pay full, because they are not young to burden such loan, they do not suit have liability in this age .living in the house two years because they near to Jeanette is home and Jeannette don not married, so she can could company the couples and gives them best care and rent the first house. Nevertheless Jeannette is not younger, so I maintain that the couples go to the nursing house in the third years, that can save two years capital spending in nursing house, So the couple will not worry that their financial will be drained to pay for the costs.

Strategy 4

The couple mortgage their three bedroom house and loan 70% of the value of the three bedroom house. Their three bedroom value is ￡310000,so they can loan ￡210000 to the bank and the two bedroom house is ￡250000 the couple could pay 30% of the second house which is ￡80000 and I recognize the repayment will be handle by their grandchildren who are graduated. That means Jack and Church and I recommend that couple transfer the three bedroom to their another 2 children.

Protection

I make three strategies in Mortgage,if the couples choose 1 or 3 ,I insist their can register grandchildren is name to buy the second house. That can avoid the transfer fee and the high inheritance tax and they could buy some education insurance for their grandchildren. The couple also could buy some gold to deal with the inflation and sent them to their grandchildren.

Other suggestions:

The couples could open the e-bank in order to help them dealing with the varices bills, because they are old ,they don have physical power to handle such things.

They could open a card which can transfer the other countries currency because the couple like travel.

2.4 Likely providers

Banks:

Barclays

Barclays PLC is a global financial services company headquartered un London,United Kingdom.As of 2010,it is the world is 10th-largest banking and financial service group and 21st-largest company according to a composite measure by Forbes magazine.One of the four private banks in the United Kingdom, ranked third, is the world's largest banks. Barclays Capital, Barclays's investment banking department in 2008, the acquisition of old U.S. investment bank Lehman Brothers. The first quarter of 2012, Barclays Capital, M & A, second in Asia. 1896 Barclay, Bevan, Tritton, the Lanza Bull Fremont companies, banks merged the shares of Barclays Bank. After the merger and continue to other banks, the increasing scale of its current name in 1917. Operate a wide range of financial services, including clearing, investment, insurance, leasing, export credits, property management. London six clearing banks to issue credit cards in the UK in 1966. Has a number of subsidiaries of Barclays International Bank, Barclays Finance Corporation in the international community has a number of branches, and investing in Spain, Bermuda, Belgium, the big banks, the formation of a large international consortium of banks. In the domestic shipbuilding, shipping, machine manufacturing industry and the Press Trust of close ties.

Company business: Barclays Bank through bank branches, ATMs, phone, Internet to UK personal customers and small business sector in Africa, some of the Group offers a range of services. In addition, Barclays Bank but also for the world of rich people to provide property management services, especially investment, asset evaluation, long-term financial planning business.

Company size: Barclays Bank to Britain as the center, to provide financial services, is the main business of banking and investment. If the asset is measured, Barclays Bank is the UK's largest financial bank. The Barclays Bank in many other countries with branches, is a huge multinational bank. Barclays Bank PLC has a history of over 300 years, the business scope of coverage to more than 60 countries, including all of the financial center. By 2000June, Barclays Bank employees around the world about 70300, one of the 52300working in the uk.

HSBC:

Headquartered in London,HSBC is one of the largest banking and financial service organisations in the word.HSBC is international network comprises around 7500 offices in 87 countries and territories in Europe,the Asia-Pacific region,the Americas the Middle East and Africa.

With listings on the London. HongKong,New York,Paris and Bermuda stock exchanges, shares in HSBC holdings plc are held by over 221.000 shareholders in 127 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.

HCBC provides a comprehensive range of financial service to around 95 million customers through four customer groups and global businesses:Personal Financial service;Commercial Banking: Global Banking and Markets;Global Private Banking.

City Bank

Midland Bank

Midland Bank Plc was one of the Big four banking groups in the United Kingdom for most of the 20th century. It is now part of HSBC The bank was founded as the Birmingham and Midland Bank in Union Street, Birmingham England in August 1836. It expanded in the Midlands absorbing many local banks, and merged with the Central Bank of London Ltd in 1891, becoming the London City and Midland Bank. After a period of nationwide expansion, including the acquisition of many smaller banks, the name Midland Bank Ltd was adopted in 1923. By 1934 it was the largest deposit bank in the world. It was listed on the London Stock Exchange and was once a constituent of the FTSE 100 Index but in 1992 it was taken over by HSBC Holdings plc.

2.5 Relevant products and services

I will give the details of the financial products as following. Two banks,a nursing home and a insurance company.

Barclays:

Foreign Currency Account

·Bank in the currency of your choice

·Make and receive foreign payments with case

·Reduce your exchange rate risk

·You need a Barclatys sterling account before you can open a Foreign Currency

What can get

·An account that helps you reduce the risk of fluctuating exchange rates

·Choose from a wide range of foreign currencies

·Cheque book

·Regular statements to help you keep track of your money

In general, there are three types of property insurance coverage, LITE-ON and medical care. They have a wide range of coverage and effective transfer of risk to customers. It is particularly worth mentioning is, how to guarantee the life insurance, it is the only policy, make the elderly over 70 years old in Corinth insurance, although the insured amount shall not reached average level. In addition to ensure life insurance, private health insurance is what is believed to be necessary, because it can greatly reduce customer costs, medical care in light of its increasing

disease risk.

2.6 Benefit-needs analysis

In this sector,I will give a lot of data and chat to analysis Collin`s benefit-needs.

The chat of Collin is portfolio before adjustment

The chat of Collin is portfolio after adjustment:

The annual income and annual expenditure I mentioned in 2.1,so the saving rate is (120.000-96.000)/120.00=0.2 so the family could put 20% income in investment,but the family want buy second house, I do not suggest to increase the capital in some new investment plan.

have no need to repay the loans. Their ability still zero.

is during the three years plan, the finial assets reach at ￡181250.Annual surplus ratio:annual surplus/annual income ,so the ratio are 90.8%(2011),1.7%(2012),38.3%(2013),2.6%(2014)respectively.

2.7 Comparison among providers

Firstly, I will compare the mortgage loan repayment in different banks

Bank name type Rate Max LTV% Monthly repayment Repayment period Barclays 2year fixed 2.98% 70% ￡941.11 20years

HSBC 2year fixed 3.89% 70%￡1.020 20years

Now I will focus on the format above to do the SWOT analysis to 2 banks respectively

SWOT graph

Strength:the repayment is lower Opportunities:max LTV%can reach 70% Weak: web information is less Threaten:the form is simple

HSBC

Strength:web information is adequate Opportunities:the form is detail,max LTV% reach 70%

Weak: the repayment is higher Threaten:the rate also higher

For the collin is family, they must more concentrate on monthly repayment, Barclays monthly repayment is ￡941.11 which is lower than that HSBC bank.So I recommend choose Barclay to get the loan.

2.8 Effect on tax position

According to HM treasury, inheritance Tax is usually paid on an estate when somebody dies. It is also sometimes payable on trusts or gifts made during someone is lifetime. Most estates do not have to pay Inheritance Tax because they are valued at less than the threshold.

To illustration, the Collins possess assets is amount ￡395,425. According to the formula, the tax payable is 28.570

That is huge money, so we should get some ideas to avoid that. Some cash gifts are exempt from tax regardless of the seven year rule. They include:wedding gifts of up to ￡5000 to each of your children:wedding gifts of ￡2500 to each grandchild, and wedding gifts of ￡1000 to anyone else:other gifts of up to ￡3000 a year :gifts of up to ￡250 each to any number of people each year: gifts to charities. The National Trust, national museums, the main political parties and most registered housing associations.

Any gifts between husbands and wives are exempt from IHT whether they were made while they were both still living or left to the surviving spouse on the death of the first.Tax will be due eventually when the surviving spouse dies if the value of their estate is more than the combined, currently ￡650000

Death within the seven year period

According Potential Exempt Transfers, If gifts are made that affect liability to IHT and the giver dies less than seven years later, a special relief known as taper relief may be available. The relief reduces the amount of tax payable on a gift.

So i will draw the graph to show that clearly.

Years after gift IHT payable

0-3years 40%

3-4yaers 32%

4-5years 24%

5-6years 16%

6-7years 8%

7years later exemption

2.9 Justification for selections

In order to minimizing the inheritance tax, the Collin is must do several method to avoid the inheritance tax.

Transfer the ownership of two houses

Collin is should use their elder grandchildren is named Jack and Chuck to buy the two bedroom house.In addition, they also should transfer the ownership of their three bedroom house to their younger grandchildren Jim and Blair

Give gift to the whole family

According to IHT, the gift send to family members up to ￡3000, but wedding gifts of up to ￡5000 to each of your children; wedding gifts of ￡2500 to each grandchild. So Collin should give ￡5000 to each of their children and give ￡2500 to each grandchild. To conclusion, the Collin is give ￡20000(￡5000×2+￡2500×4=￡20000）

Sent gold

In the 2.3, I have given suggestion the Collin is can buy gold to avoid the inheritance tax and in 2.6 the balance sheet I recommend the Collin is buy gold ￡30000 each year since 2012~2014, Send this gold this gold to their children and their grandchildren without tax.

3 Evaluation

3.1 Criteria for evaluation

Now, the project's conclusion, we will provide the most comprehensive report. Should check the factors, as follows:

Living standards and improve the quality of life, in order to create a good financial management to meet customer demand, I do Collins financial management, financial reporting. This management can guarantee the high quality of life, this strategy can get the family wealth maximization.

Customer needs and requirements is correctly identified, advanced through the interviews with clients the preparation stage of the financial plan,I suggest that Collins may cancel the cheque account, capital, revenue bonds and bond premium bond. They want to buy a house, I suggest that they sell the house,Then buy second houses, to match the needs of relevant exemption of inheritance tax, second house to buy their granddaughter's name. If they do this, they will not have any loan.

Life insurance senior people like Collins is very urgent and necessary to.The comparison of the policy, the insurance cover the growing health care costs due to common diseases and disorders, to ensure a one-time compensation to compensate for the loss of the family.

Understanding of the couple is cautious investors through questionnaires,By sorting out the most reputable insurance providers, enabling comparison of the policy, the insurance cover the

growing health care costs due to common diseases and disorders, to ensure a one-time compensation to compensate for the loss of the family.

I plan to avoid all the risk, they also don't want to get any risk, I this plan can make no money to spend there won't be any special circumstances Collins. I this plan is can evade any risk plan 3.2 Changes made during project compared to original cation plan In order to make the plan is better, I did some optimization scheme.

Buying or selling a home

In the beginning of my plan, I'd like to suggest a house to buy mortgages. Collins house, but Collins is more than 70 years old, so it's best to let they don't have any loans, so if they sell a house, with the money earned bought the house can be a good way to help they don't have any loans. And then they can to nursing homes. When they buy a house should use the names of the children, it can avoid the estate tax-which they children a gift.

Adjust customer combination

Collins have a checking account, capital bonds, debentures, bonds and 10% i asa treasury shares 2014, to adjust interest rates according to my portfolio Collins. I decided to check accounts and bond premium. Checking account and the bond interest rate of 0%, it has no profit Collins. But in the end I found through my capital bonds and bonds is of no use Collins. This is a better use of money to invest in other high interest rate, and some combination does not fit my two-year financial plan. So I decided to reduce the fourth results.

Real estate 310,000 10,000

As can be seen by comparing, asset decrease in total, this is because the Corinth financial plans don't earn much money, the purpose is to avoid the Corinth financial planning inheritance, so most assets into gold, charity, investment and insurance，We have reason to believe, they follow my plan to let them get their desired effect

In short, this is a feasible and effective financial plan,Sincerely hope Mr and Mrs Collins achieve the financial goals in future.

4. Conclusions

Financial plan design is a two-year plan before I carried out a series of studies, observational studies, and retrieve information from the Internet, looking for information books, surveys, and some of the strategic report on the financial analysis and risk analysis. Timescalse also report on the mission planning of this project. In the case of this report examines the factors of development, clear Collins needs for the needs of customers continue to report and planning. Understand their requirements, I have done a comprehensive analysis of background information on the couple and their family members and the collection of relevant data. Later, I came up with a complete blueprint for complex financial plan, after a week to consider the plan proposed the name of the customer to buy a house, their daughter, rather than buy their own homes so as not to inherit the house. Directional contour generation, focused on providing financial products. There is no doubt, I chose the most famous parts of the world's financial institutions such as Royal Bank of Scotland, HBOS, legal and general and sincere. , The choice of financial products, the benefit-needs analysis, ratio analysis and financial analysis of the specific numbers are involved. Later, I did a lot reference to genetic information and related tax provisions of exemption followed to improve the core strategy to address the inheritance tax. Finally, I suggest that Collins will continue to drink we keep in touch, according to the changing environment to constantly adjust the financial plan.Encountered in a timely manner to address and adjust.

HND 大综合第一部分Planing

1.0 Planning―Action Plan 1.1 Introduction I'm working in Cadogan Bank plc which provide investment service.I will provide Alexander Flynn,his wife Janet Flynn and three children some personal financial products.As an Investment Services Manager,the main responsibility is to help people providing personal financial products.In whole of this financial service, my expectation is follow up the customer needs,at the same time help customer to achieve maximum profits.In England is including two kinds of Investment Services Manager which are Tied Adviser and Independent Financial Adviser.A Tied Adviser is only provide some products which is from their own bank.Independent Financial Advisers can provide products from the whole of the UK market. In England Alexand er’s family is a middle class.In England,the middle class annual income is ￡350.000.Therefore they are too busy to have no time to management of their property.At the same time they are also well-to-do.Therefore they can not worry about some product is too expensive to afford.So I can provide the best suitable provider.Cadogan Bank is a commercial bank,moreover is one of the institution by Financial Service Authority (FSA) regulation.In UK,FSA only supervise nineteen bank.If the bank's business is bad or default,FSA can undertake compensation.These are fully demonstrates that Cadogan Bank is reliable.A commercial bank provides savings,money market accounts,mortgage and so on.Because of this cause,I can help client to find some investment and financial product.In England,there have five kinds of provider.I will use three of these provider in whole of this report. The client needs saving,borrowing and personal insurance.Due to customer needs has variance,the provision of products are possible to satisfied customer.This is why we should find other provider in UK to satisfied customer needs.

HND大综合1GU1答案

Sectio n1 Questio n 1: Part A Give n the competitive n ature of the mobile telecom muni cati ons market an alyse the likely advantages and disadvantages to Opal of establishing a partnership agreeme nt with ano ther compa ny .12 Adva ntages: Firstly, the part nership agreeme ntsca n provide Opal with tech no logy assista nce」t allows Opal for the joint developme nt of new products and the shari ng of tech no logy. Secon dly, a Chin ese part nership not only gives Opal access to local kno wledge but also provides an air of acceptability that is importa nt whe n con duct ing bus in ess in China. Thirdly, local firms 'ell-reputation and wealth of experience will also help Opal to en sure that product developme nt and customer service is specifically targeted at meet ing the local n eeds and dema nds of the local market. Fourthly, compa nies in part nership can share the costs and reduce the risk. Disadva ntages: As for the disadva ntages, firstly, the own tech no logy of Opal might be leaked because of the shari ng of tech no logy which may result in the loss of Opal' competitive adva ntages. Secon dly, in a part nership with others, the con trol power of Opal compa ny might be distributed because of the con siderati on of other part ners Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations. PART B s be i

HND大综合GU答案

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HND大综合1答案

1.有关的知识: product line; product items; product positioning; product life cycle; 可能的优势：coherent连贯grouping of products within one market (drinks)---can help to gain economies of scale in promotion and operations, build managerial expertise etc; Targeted at a number of different markets(eg orangina, Tizer); range of different product lines and items—some have a very clear identity (eg Irn-Bru) 缺点：many are at the mature stage of the product life cycle; soft drinks is a rapidly changing market and new brands may be important (Barr’s may be finding it hard to develop new brands—its own brands are well-established and its franchises are in a static market(Orangina), or not well-know in the UK(Lipton Ice Tea). Part(b) 有关的知识：Price elasticity of demand; promotional methods; product life cycle; market research. Price elasticity may influence Barr’s in that it can lead to attempts to enhance brand loyalty so that price elasticity is reduced which, in turn, curtail the impact on sales of a change in price. There are many examples in the case study of attempts to develop brand loyalty, eg Irn-Bru, Tizer 2. Relevant concepts: systems approach; stakeholders; government economic policy; users of financial information. Answers should use examples to show how Barr’s has reacted to feedback from its environment and how it has tried to influence it. Answers should analyse the process by which Barr’s interacts in each case. Possible example include: use of government. Assistance when entering the Russian market(and discussion of market failure); threats to or angina franchise; changing promotional methods to make use of the internet; currency fluctuations and the knock-on effects; ASA and possible public reaction to Barr’s . Answers which consist of a series of examples with no analysis should get a maximum of seven marks. 3. （a）Relevant concepts: stakeholder; purpose of financial information; management control; organizational goals; objectives and policy; demand. Fidelity buys shares so that the dividends from them can be distributed to holders of its units. The information which it needs will depend on its organizational goals, eg: the degree of risk it is willing to take. These are not given so it is not easy to say which information will be valuable. Howeven, it may include: franchise agreements (eg when they start and end as this may influence Barr’s earnings); ASA adjudications which may affect the demand for Barr’s products; investments in new machinery(influence extent to which Barr’s is competitive); promotional campaigns(influence demand for product); dividends(because this will influence earning that it gets and how much it can pay its unit holders). Provide a reasoned argument which explains the link between the information and its value to Fidelity. （b）Relevant concepts: Stakeholder; strategies of control; organizational goals, objectives and policy; formal organization; users of financial information; purposes of information ; sources of relevant information. Answers should make it clear which item of information has been chosen, eg profit after tax. For fidelity, this could be used to monitor whether it has invested in terms of its objectives(eg these may relate to companies which have stable earnings), whether it has a suitable share profile across several companies; whether previous share purchasing decisions should be reviewed. Barr’s could use it to monitor the year on year progress of the company, to monitor the effectiveness of its profit sharing scheme. A reasoned argument which explains the link between the item information and control in the two companies. 4.Relevant concepts: market demand; internal and external environment; goals; purpose and analysis of financial statements; sources of finance; product mix marketing mix; product life cycle;

HND金融大综合

HND金融大综合 2.1 The demands of these consumer can divide into savings, mortgage needs and protection needs. 2.11 The demands of savings. The cost of daily life, the cost of three children, the crowd of high income, The surplus income need to save. 2.12 The demands of protection needs. Flynn has an outstanding mortgage of ￡450,000, and this couple has recently decided to build an extension to their home at a cost of ￡300,000. The demands of protection needs. 2.13 The adults is more old than yesterday, and the state of health of them we all do not know. They all need some help to get guarantee to ensure their cause. The children of Janet need a good environment to grow. And their family should protect their property. 2.2~2.3 ◆ The cost of daily life. Every family all need this for spending. If there is not a particular plan, this family will be faced with many problem. So the current account is the best choose. ◆ The education cost of Flynn’s three children. All parents want to their children have a perfect childhood to the benefit of their future. So have a whole educat ion is necessary. So a good family affirm draw up a plan for their child ab ovo. We need to choose educational endowment. ◆ Janet work as Alexander’s personal assistant. As his assistant she is paid a salary of ￡550,000 per annum. So he is belong to the human of high income. They also need to rate payment very much. But we can take steps of avoid the tax, and find the product of tax exemption. So the fixed interest savings certificates is best fit for us. ◆Like the high income crowd. Then have a large of money can not use. So the last money we will save it. The best way is save it in fixed deposit. Fixed deposit is our good choice. ◆ Flynn has an outstanding mortgage of ￡450,000 on the property. And the loan of he has loss occurrence. So the best way perhaps change it to capital and interest mortgage. Because it can reduce the lose. ◆ Flynn has recently decided to build an extension to their home at a cost of ￡300.000. But he does not have mortgage to get loan. So he only to get it by himself. ◆ When the adults grow older. Everyone all want have a guarantee for themselves. Even if has an accident in the future. But can not get so much attack. So they need to buy the insurance of term insurance. ◆ Ditto. When the adults grow older. The health of themselves is more and more to hard to know. And their body can not get some serious attack. So they are better to buy the insurance of accident insurance. ◆ No matter what man or women. They have the cause of themselves. So they also need to buy the insurance of enterprise insurance. ◆ The three children of Janet. They are young. So they need a guarantee for their growth life. Prevent happen something we don not want. The accident insurance is very good. Because the children are very naughty. ◆ Every family has their own economy. And must protect their income to hold the cost of everything. I think the property insurance is the obbligato for every family. 2.4 ☆Alliance Leicester plc Alliance Leicester plc(LSE:AL) is a British bank, formerly a building society. It was formed in 1997 by the flotation of the former Alliance Leicester Building Society on the London Stock Exchange. It is listed on the FTSE 100. its headquarters are in Carlton Park, a business park in Nar borough, south of Leicester in England. ☆HSBC Headquartered in London, HSBC is one of the largest banking and financial services organizations’ in the world. HSBC's international network comprises around 7,500 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. ☆Banco Santander Santander holds a unique position in international banking, with a solid base of recurrent retail commercial banking and a high degree of geographical diversification, which guarantees its future. Continental Europe, where the main commercial units are the Santander and Banesto Networks in Spain, Santander Totta in Portugal and Santander Consumer Finance, which has consumer finance operations in 19 countries. ☆ Lloyds TSB Black Horse is

HND 大综合

HND 大综合 1．(a) Why BAA argued for two additional runways in Scotland?8 In Scotland, two additional runways will take the profit maximum for BAA’s airport which is the maximum profit we will get in nowadays. BAA plans mean it will spend more than 2 million every day on airport infrastructure. They pay much money in the construction and facilities in the airport. So BAA need to gain the more revenue and profit to off set the heavy capital expenditure. According to BAA’s nature of business module, they have a highly fixed cost and lower variable cost. So they hope fully use their operational potential which gain more profit. Additional runway takes more airlines and passengers to BAA. Under the circumstances, BAA need to gain more revenue to offset the highly fixed cost to achieve better financial performance. Two additional runways will improve BAA’s future competition competence in Scotland. If they can argue more runways, it will help them to increase the operational ability and to attract more airways use our services. As a result, it will bring more business to our company. According to 2003 white paper, airport expansion and the future development of the aviation industry in the UK over the next 30 years. The BAA gains more additional operational ability will help us catch the opportunity to grow up in future.

HND大综合

1.Planning—Action Plan Likely resources to be used I am a bank's investment manager. Our target customers are David and his wife Martha Collins. This is the first phase of the report, including strategy, the main resources and the timing of the project. In this report I will use some resources are as follows : the main research: I will use surveys and observational studies, to David and Martha plan to close the lowest risk profit maximum programme. Secondary research: I will search for online information search, information books, buy a newspaper, the questionnaire survey way, I will also use ( questionnaire in the appendix), then I realized that any customer is old people who are over the age of 70to obtion low risk financial plan. Also researchers to generate a financial plan from 2011 to2013. I have a group, we will have a discussion group. This information can understand the new rate, new product information, some banks, I can with my group to provide the best customer project. Strategy for carrying out report Product life cycle is a marketing study, which can help customers know, they can get the maximum profit investment. In the first instance, I will consult by telephone to understand the idea of the David`s and Martha`s in mind and make a household survey. So that they may be more understanding of the financial construction order to understand their needs. On the one hand, according to their family is saving, pensions and any other expenditure. I will make a list of funds, then analyze and identify the financial risks and other kind of risk like this investment was failed and so on. Different portfolio based on different stages of lifetime, customers can choose according to their own situation of different products. Group discussion, there are many staff to customer service and we can discuss the best solution for customers How the project will be managed

HND大综合1GU1答案

Section1 Question 1: Part A Given the competitive nature of the mobile telecommunications market analyse the likely advantagesand disadvantagesto Opal of establishinga partnership agreement with another company.12 Advantages: Firstly, the partnership agreementscan provide Opal with technology assistance.It allows Opal for the joint development of new products and the sharing of technology. Secondly, a Chinese partnershipnot only gives Opal access to local knowledge but also provides an air of acceptability that is important when conducting business in China. Thirdly, local firms 'well -reputation and wealth of experience will also help Opal to ensure that product development and customer service is specifically targeted at meeting the local needs and demands of the local market. Fourthly, companies in partnership can share the costs and reduce the risk. Disadvantages: As for the disadvantages, firstly, the own technology of Opal might be leaked because of the sharing of technology which may result in the loss of Opal 'csompetitive advantages. Secondly, in a partnership with others, the control power of Opal company might be distributed because of the consideration of other partners Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations. PART B Identify and justify possible options the senior management may have which will enable Opal to maintain its current levels of success and profitability. 8 Firstly, since Chinese market has enormous potential, Opal needs continue to invest in Chinese market to gain more market shares for its expansion. Secondly, Opal can sign the partnership agreementswith more companies, to gain more comprehensive market information and share the technology and develop new products. s be n

HND 大综合2 planning

Contents Personal assessment of skills (2) Title of the project (2) Objectives of the project (2) Statement of issues of investigate (3) Reasons for the choice of issue (4) Justification for the choice of business (5) Primary and secondary sources of information (6) Primary information (6) Secondary information (6) Methods and Justification (7) Plan (8) Negotiated dates for the planning, development and evaluation of the project and timescales for conducting the investigation (7) Identification of the resources including time needed to carry out the investigation (8)

Personal assessment of skills I have a lot of advantage, such as honest and optimism. Due to good group consciousness, I can make contribute to cooperation and cohesion so that achieve organization’s goal as early as possible. When teammates speak, I am able to listen to their communication. If having mistake or different opinion, I will talk about with them instead of directly asking. I can work alone and work with others having various character. Apart from these, I have better executive power. Mission belonging to me, will usually be achieved before deadline. Before project, I realize my weakness. I have obsessive compulsive disorder, When I want to solve one thing, if it is unfinished, I will never do the next thing. so, sometimes, my project’s speed of progress is uncertain. Arranging mission improperly often lead to low efficient. In addition, because of carelessness sometimes, there is high mistake odds in my work. The GU 2 is a opportunity that can help me improve my weakness on above aspect, at same time, GU2 also is good for improving these abilities such as, communication and expression. Title of the project The title of my report is Hazeline in China-- investigation on the marketing strategy of Hazeline. Objectives of the project When planing to enter into Chinese market, Hazeline has to face the potential threats and opportunities. As world-famous corporation, Unilever must issue a series of measures about how enter into a new market and how obtain expected results for Hazeline. Therefore, my objectives of the report are giving as follows: 1)Survey the internal and external situation of Hazeline. 2)Identify opportunities and threats in Chinese market.

HND大综合

HND 大综合 第一部分Planing

HND大综合1GU1答案

HND大综合GU答案

HND大综合1答案

HND金融大综合

HND 大综合

HND大综合

HND大综合1GU1答案

HND 大综合2 planning

HND 大综合第一部分Planing