You work as a partner in a firm of financial advisers, who specialise in personal financial planning. You have been approached for advice by Mr Philip Lewis. He graduated five years ago with a degree in electrical engineering. He has been with his current employer since he graduated. During Mr Lewis’ first appointment, a fact find was completed (reproduced in Appendix 1). The following notes were made to supplement the information given: ¢ The client has bought into a range of shares and other investment products since he left university. There does not appear to be any long term plan guiding purchases of investment products. ¢ Gilts were purchased shortly after graduation because of their low risk. The holdings are Treasury 6 per cent 2028 (nominal value £2,500). ¢ The OEIC holding was purchased 3 years ago following a friend’s recommendation, and consists of 700 shares in the New Europe A Acc OEIC managed by JP Morgan Asset Management. The client has not kept track of its performance and questions whether it should be sold. He remembers reading about the success of the Fidelity China Special Situations Investment Trust and has asked for an opinion on this alternative. ¢ The client purchased shares in utility companies in September 2008, believing these would be both risk and recession proof. The holdings are: a) 250 shares Drax b) 150 shares Severn Trent He has questioned whether he should focus on just one share. Alternatively, should he dispose of his entire shareholding and invest elsewhere? ¢ The client recently inherited £50,000 following the death of a close relative. This was placed in a building society savings account. The low return being earned in this account was the main factor persuading the client to seek financial advice. ¢ The client indicated he did not wish to put the money he inherited at risk. However, he feels that his savings could work harder for him. ¢ He would like to save towards a deposit on a house or flat at some time in the near future. ¢ He is not paying into a pension scheme, having put this decision off when he started working. i) Your view on whether he has a balanced portfolio ii) The risks he currently faces iii) The meaning of the term œtax efficiency and ways in which the portfolio could be made more tax efficient iv) Specific recommendations together with your justification for them Learning Outcomes (refer to module guide) a); h); j); l); n) Marking Guide To achieve grade A 1. A high level of research is evident. 2. Conclusions are communicated clearly and demonstrate the ability to analyse the circumstances facing the client in depth. The word limit is observed. 3. A high level of ability is shown in projecting different choices and in analysing their outcomes. To achieve grade D 1. A logical approach is demonstrated in attempting the given tasks. 2. Conclusions are logical, but are not communicated with a high degree of clarity. 3. Analysis is sound but contains some deficiencies, for example in terms of insight and depth. Below is the exact instructions for the paper my position choice would be as an egalitarian but am fine if its not. Aside from the Divided Houses and Roe v. Wade books we also used a third edition Through Womens Eyes by Ellen Dubois and Lynn Dumenil. My professor requires footnotes and a works cited page. The narrative thread to American women’s history since the Revolutionary War has been the slow acquisition of rights by women. In some cases, rights have been demanded (Seneca Falls, NOW), while in other cases, women’s roles expanded due to the national emergencies like wars or the advancement of women’s education. Throughout it all, women’s rights advocates have forged ahead, but have not always agreed on their approach. This has left Cuiltural Feminists1 and Egalitarians at odds. Indeed, these last two positions, cultural feminism and egalitarianism, permeate the history of American women. Which of these two positions do you think has been most effective in advancing women’s rights? Your answer to this question will constitute your argument, or thesis of the essay you write. Be sure to include the following: ¢ 1848 Seneca Falls Women’s Rights Convention ¢ Civil War (Divided Houses) ¢ Suffrage (don’t ignore the 19th C) ¢ Birth control (Margaret Sanger) ¢ Great Depression, WWII ¢ 1950’s ¢ Women’s Movement (second wave) ¢ Roe v. Wade (Hull & Hoffer “ be careful here to give an historical and legal accounting, not your personal religious or moral views) This paper should be 7-10 pages, double-spaced, typed, and you must use footnotes. It must be a well-constructed argument, you must take one side or the other, you must repeatedly refer back to your thesis, and points will be lost for poor grammar or sentence construction. 1 Definition: Cultural feminism is a variety of feminism which emphasizes essential* differences between men and women, based on biological differences in reproductive capacity. Cultural feminism attributes to those differences distinctive and superior virtues in women. What women share, in this perspective, provides a basis for œsisterhood, or unity, solidarity and shared identity. * The phrase œessential differences refers to the belief that gender differences are part of the essence of females or males, that the differences are not chosen but are part of the nature of woman or man. My bid per page (min:$5.00): $ Immediate family and other dependants Name Relationship Age Occupation Comments “ health, extent of dependency etc. Not given Father 57 Teacher Plans to retire in 5 years. Minor health issues Not given Mother 55 Teacher Plans to retire in 7 years. No health issues Not given Sister 29 Currently unemployed HR Manager. Lives with parents Occupational Details Employed/self employed Employed Occupation Electrical engineer Regular earned income £32,500 (net of tax) Review date September Bonus/overtime Averages £2,100 (net) per year in the last 5 years Benefits in kind (e.g. car, medical insurance etc.) None Profit related pay or share options? None Security/prospects Believed to be good Time in this job 8 years Any other current source of earnings No Notes: Client is thinking of moving to a larger firm with the prospect of more specialist work and a higher salary. This may not be for another 18 months “ 2 years Income & taxation Per month (£) Per year (£) Earned income 34,600 Income from deposits (net) Less than £50 Income from gilts etc. (net) 150 Income from shares, unit trusts etc. (average for last 5 years) 315 Rents etc. Not applicable Other investment income n/a Pensions or annuities n/a State benefits n/a Total monetary income 34,600 465 Taxable benefits None None Total annual income 34,600 465 Tax allowances Single person’s allowance Notes: Outgoings Per month (£) Per year (£) Food 265 Clothes 45 Miscellaneous 1,250 Car loan repayment 320 Rent & Council Tax 900 Travel, motoring expenses 315 Socialising 130 Gifts, birthdays 500 Holidays 1,800 Utilities 120 Gym membership 45 Mobile phone, broadband, TV etc. 65 Loan interest 80 Totals 2,285 3,550 Notes: (e.g. anticipated changes or major expenditures) Car loan will be repaid fully in 15 months. Credit card interest is incorporated into the above expenses Assets Residence None Other property n/a Bank accounts £53,600 Building Society accounts None Gilts, bonds etc. To be calculated Life assurance See below ISA’s None Unit trusts None Investment trusts/OEIC’s To be calculated Quoted shares To be calculated Unquoted shares None Liabilities Nature of Loan Secured/unsecured Amount Credit card (17.9% APR) Unsecured £3,650 Personal loan (8.9% APR) Unsecured £5,500 Storecard (25.99% APR) Unsecured £780 Are there any other outstanding liabilities, such as income tax or CGT liabilities? No Life Assurance Policies Policy 1 Policy 2 Insurance company Standard Mutual Life insured Client Type Death in services Own life/life of another Own life In trust? No Year started 2007 Year of maturity On death or on leaving employment Sum insured 4 times salary Premium Paid by employer Frequency Yearly Special terms None Purpose Death in service Other Insurance Policies (PHI, Critical Illness etc.) None – Regular savings, other than life assurance policies None “ client feels this is an area that requires attention. Occupational Pension Arrangements None State Pensions Client has no details Estate Planning Will None Date made Is it up to date? Beneficiaries and details Any special provisions Executors Any planned changes Inheritances Recently received inheritance of £50,000 “ placed in bank account. Attitude to Risk To what extent are you prepared to accept investment risk? Client has indicated a cautious approach to investment. Declaration All information will be treated in strict confidence. It will be used to prepare financial planning recommendations, but with no obligation to act on those recommendations. Signed Client Financial Adviser Propaganda Instructions: Part one, the definition section, is your assessment or evaluation of the definition you submitted at the beginning of the course. You should reflect on what you wrote in terms of what was accurate about it, what needed to be changed or improved upon and what might have been missing in your own view of propaganda at the time you submitted it. The point of this question is for you to observe how what you learned about your understanding of propaganda has evolved over this semester. It is assumed, since you defined your view of propaganda at the start of the course, that you will, from memory, recall the essence of it when you answer this first question on the final exam. In lieu of any formal citations you should refer to all course materials and any sources or authors which may have informed your response to this question. If you did not submit a definition at the beginning of this course then you should reflect upon your original understanding of propaganda in the beginning of this course as you currently are able to remember it. It is suggested that you spend 30 minutes of the 3 hours for this exam in answering this first question. Minimum: (500 words). In part two, the essay section, you are to choose one of the five characteristics of propaganda found in Lessons 8 to 12 (Target, Threat/Toxic, Transformative, Touches, or Task) and examine in depth your understanding of the characteristic you have chosen to discuss as an element of propaganda, how the characteristic manifests itself, your analysis of it and any insight you may have about it for your understanding of propaganda as you end this course. This is your opportunity to make a final statement about propaganda. Your answer may include current and/or historical examples. This essay does not require formal bibliographical references. Minimum: (1,000 words). ORDER THIS ESSAY HERE NOW AND GET A DISCOUNT !!!