Project ---- Ca Study
You are an Investment Services Manager with the Cadogan Bank plc.In this role you assist busy, well-to-do clients by providing solutions to their savings,borrowing and personal insurance needs. The manager of the bank’s Western Bra nch has referred Alexander Flynn and his wife Janet to you.
银行的西部分支的经理把亚历山大弗林和他的妻子珍妮特介绍给您。
Alexander, who is 48 years old, is the Company Director and Chief Executive of a softwere company, Graph Design Ltd, that he t up ven years ago whit his best friend, Janmes Emerson.亚历山大， 48岁，是softwere公司的公司董事和首席执行官，有限公司， GraphDesign他创业于七年前与他的最好的朋友， Janmes
Janet company has been extremely successful, with a turnover of over £15m last year and profits of £4m. Alexander draws a salary of £420,000 per annum from the business.
珍妮特公司是极端成功的，与结束£15m £4m转交去年和赢利。亚历山大从事务每年得出£420,000薪金。
Janet is aged 44 and works as Alexander’s personal assistant .As his assistant she is paid a salary of £
55,000 per annum.
珍妮特是44岁并且工作当亚历山大的个人助手。她每年£55,000薪金。
The couple has three children, Adam, Sheila and Carina, aged 14,10 and 3respectively.The two older children attend a local private school, which charges £3,000 per child per annum in school fees. The couple intends to nd Carina to the same school as soon as she is old enough.
夫妇有三个孩子、亚当、希拉和卡瑞，分别是年岁14,10和3。二个大孩子上一所地方私立学校，每年费用£3,000每个孩子学校费的。当卡瑞长大，这对夫妇欲送她到同一所学校。
You are aware that the Flynn’s live in a large six-bedroom bungalow in an expensive part of town, which is conrvatively estimated at a value of pound;1.25m.They have lived there for over six years and have an outstanding mortgage of £450.000 on the property.
您知道Flynn’s在镇的一个昂贵的部分的一座大六卧室平房居住，适当地估计在
£1.25m.他们居住那里已经六年并且有卓著的物产约£450.000在抵押。
The couple has recently decided to build an extension to their home at a cost of £300,000. 夫妇最近决定建立扩张他们的家在£300,000的费用。
The mortgage was taken out over 20 years on an endowment basis but Alexander has recently received a letter from the company stating the projected returns on the policy are likely to result in a substantial shortfall in the value compared to the outstanding mortgage.
抵押是在根据捐赠依据的20年期间贷款，但是亚历山大从陈述的公司最近收到了一封信在政策的计划的回归可能导致坚固赤字按价值与卓著的抵押比较
Before tting up the company Alexander had been out of work for two tears following redundancy. He t up the company with the funds from his redundancy payment, and a loan from the bank, which was cured against his previous family home. The rapid early success of company allowed him to purcha the new hou.
Alexander成立公司前，他曾有2年的失业经历，他用下岗费和银行贷款成立了这家公司，他用旧房做了银行抵押，随着公司发展，他买了新的房子
As a conquence of his previous redundancy, and due to the fact that he has never felt cure over the long-term future of the company, he has always been ultra-cautious with his finances.
作为他的早先剩余的结果，和由于这样的事实他从未感觉安全在公司的长期未来期间，他总是对他的财务是超谨慎的。
Due to his busy schedule he has been somewhat lax in looking after his financial affairs, and although he has not taken any risks, he has not taken the time to ensure that he is receiving the best returns on his savings, or the best protection for his family and income.
由于他繁忙的日程表他是有些松驰在照看他的财政事件，并且，虽然他未冒任何险，他未采取时间保证他接受在他的储款的最大的利润，或者他的家庭和收入的最佳的保护。
You are now asked to consider the above information and discuss:
(a) suitable savings products that provide:
◆tax efficiency
Applies mostly to evaluating performance of mutual fund returns. Since dividends and capital gains are taxed, a fund that earns more dividends and capital gains is considered to be less
tax-efficient, since fund shareholders face a larger tax liability.
◆best returns in interest and
◆potential capital growth without risk
(a)适当的储款产品provids ：◆税金效率
◆兴趣在最好的利润
◆无风险的潜在资本增长
(b) protection for Alexander and Janet against:
◆income loss
◆health problems
◆death
◆property damage
(b) 亚历山大和珍妮特的保护反对：
◆收入损失
◆健康问题
◆死亡
◆财产损伤
(c) alternative methods of borrowing on their property
(c) 选择法借款用在他们的物产
In order to complete the task effectively, you are required to carry out the following tasks. 为了有效地完成任务，要求您执行以下任务。
1 Prepare an Action Plan that identifies:
◆ a strategy for carrying out the project
女人的心理
◆ the resources that you will be using to carry out the project玫瑰花的特征
◆ the documentation that you will obtain, and refer to, during your investigation
◆ a relevant timescale for the investigation
The Action Plan should be prepared during the first three weeks of the investigation and should be in written format. It may be appropriate for centres to discuss the propod action plan with the candidate and, where necessary, to suggest suitable changes with the candidate.
1 准备辨认的一个行动计划：
◆执行的项目一个战略
◆资源您使用执行项目
贫困生申请
◆您在您的调查时将获得，并且提到的文献
◆调查的一个相关的时标
Minimum Written Evidence 500 words — mark allocation 15.
You must achieve all of the minimum evidence specified above in order to pass the Planning stage.
茶饭无心2 Prepare a Ca Study Report that analys the ca study by:
◆identifying the key factors from the ca study that are to be developed
◆ identifying the key financial needs of the client
◆ identifying criteria on which to ba the decisions
◆ suggesting how the needs of the client can be resolved
◆ lecting a range of providers
◆ lecting relevant products and rvices for the given project
◆ justifying the lection by way of:
(a) benefit-needs analysis
(b) comparison with other providers, products and rvices
(c) ax benefits
Minimum Written Evidence 1,000 words — mark allocation 70. The candidate must achieve all of the minimum evidence specified above in order to pass the Developing stage.
3 Prepare an Evaluation Report that:
◆ discuss the methods that were ud during the rearch period
◆ compares the actual process with the original proposals t out in the action plan
航天手抄报◆ considers any variations and why the aro
◆ discuss how the candidate handles problems that ari during the rearch
◆ evaluates the effectiveness of the decision-making process
The Ca Study and Evaluation Reports should be in written format and handed in at the end of
the rearch period. It is acceptable for the reports to be completed in the one document but the elements of each report must be clearly distinguishable.
1 Planning — Action Plan
1.2. Likely resources to be ud
1.3. Strategy for carrying out report
1.4. How the project will be managed
1.5. Timescales for project
1.6. Sources of information
2 Developing — Ca Study Report
2.1. Key factors in ca study
2.2 Likely financial needs of the clients
2.2.1. Savings
2.2.2. Mortgage needs
辽宁省会是哪个城市2.2.3 Protection needs
2.3 Suggestions for improvements
2.4 Likely providers
2.5 Relevant products and rvices
2.6 Benefit-needs analysis
2.7 Comparison among providers
2.8 Effect on tax position
2.9 Justification for lections如何电话营销
3 Evaluation
3.1 Criteria for Evaluation
3.2 Changes made during project compared to original action plan
地瓜饼怎么做3.3 Effectiveness of process
