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Please read the fact pattern below and answer the following questions: You are Sam’s Lawyer!
Sandra owns a landscaping company that has over 100 employees. She hired Sam, a Muslim, who told her during the interview process that per his faith, he would need to pause for prayer potentially several times a day depending on the schedule. Sandra, who espoused a policy of diversity, told him it wouldn’t be an issue. After the US Supreme Court decision in Burwell v. Hobby Lobby Stores, 573 U.S. 682 (2014), she decided to stop paying for any kind of birth control through the health insurance she offered her employees. She then started thinking about other ways in which religion impacted her business. After talking with her husband, she decided to tell Sam he could no longer pray during the workday, as it probably was disruptive to business and bothered the other employees (although no one had ever mentioned it). She issued Sam a letter informing him that under her religious freedom rights as a business owner, she would not allow Muslim prayer during the workday. The next day she got a certified letter from Sam’s lawyer telling her that she was violating his rights and unless she allowed him to continue to pray, she would be subject to a lawsuit.
Note that the 1st Amendment protects you from the government, not private individuals. Also, what is the law that gives 1st Amendment rights to corporations? You will want to find that as well (it’s mentioned in the Hobby Lobby case). Here’s something to start your research on the rights of individuals in the workplace.
As the lawyer, tell us what your arguments would be for your client. Once you have done so, you may make your personal commentary on this issue. Here are some things to consider: Do you agree with corporations having 1st Amendment rights? Why or why not? Do you think that corporations should be able to impose the religious beliefs of the owners on the employees and not be subject to restrictions like Title VII? What if Sam was a Scientologist? What if Sam was a member of a religion created by his cousin? How do you know if a religious practice is protected?
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Practical Report – At home Data Analysis Task Jess Hynes Chemistry 08/09/2021 Red = not complete yet Yellow = Needs working (editing) Green = complete Purple = Information about the report Aim The purpose of this experiment is to see how temperature and concentration affect the rate of a chemical reaction. describe what happens during a chemical reaction When a chemical reaction happens, a change in the chemical bonding that holds atoms together causes energy to be more evenly distributed among the atoms in the rearranged state. The most likely state of energy is for it to be in thermal equilibrium with the cosmic microwave background, which means that it will radiate energy into space in a uniform manner (Aoki and Shimosaka, 2018). A reaction is similar to a -square dance- because the atoms switch places with one another. Sometimes a response requires a little -pushing,- in the form of a bit of burst of strategic energy to get it off the ground. However, the reaction will not always continue to a complete stop; instead, it will proceed until it finds an -equilibrium,- which is described in terms of probability (Aoki et al., 2019). describe collision theory and how reactants interact to form products (needs figure + reference) Collision theory was developed by Max Trautz and William Lewis in the early 1900s when they established that particles must collide with one another in position to react. The collision theory of chemical reactions says that the pace of a chemical reaction is related to the number of collisions between reactant molecules between two reactant molecules. The more often reactant molecules collide, the more frequently they react with one another, and the more rapid the reaction rate is. Only a tiny percentage of collisions result in effective collisions with other objects (LibreTexts, 2020). Collisions that are effective in causing a chemical reaction are called effective collisions. Reactant particles must have a certain minimum amount of energy to create a successful collision. The activation energy is the amount of energy that is required to start the reaction from scratch. Some reactant particles have this amount of energy in every sample of reactant particle (Stojanovska et al., 2017). The bigger the size of the sample, the greater the number of effective collisions and the greater the pace at which the reaction takes place. The temperature of the reactants affects the number of particles that have enough energy to cause a reaction. If the reactant particles do not have the necessary activation energy when they collide, they will bounce off of each other without causing any reaction (Durmaz, 2018). Trautz and Lewis had concluded that 1.) For a reaction to occur, particles must collide. 2.) The particles must be able to break and form new bonds with enough energy. 3.) They must collide in the right direction. • describe the chemical reaction used in the experiment, including a balanced chemical equation describe what a precipitation reaction is and how we can represent it as a chemical equation. The Liesegang (periodic precipitation) phenomena is the oldest pattern formation. It was found and documented in 1896 by Raphael Edward Liesegang, a German scientist and photographer. Liesegang had discovered that two equation solutions are mixed in a precipitation reaction, resulting in a solid substance called the precipitate. As the reaction progresses, the ions from the reactants aqueous solution create an insoluble ionic compound, which is the cause of precipitation. Because the polar water molecules surround the individual ions of the salt, most ionic solids, such as salts, are soluble in water. Those that do not dissolve and go into solution create precipitates, which are solid products. These precipitates come in a variety of colours, which can assist scientists in figuring out what kind of precipitate is there. Net ionic equations are commonly used to represent precipitation reactions. Because all ions are cancelled out as spectator ions when all products are watery, a nett ionic equation cannot be stated. To identify if an equation is a precipitation reaction, it is when you have a double displacement reaction. Example: (is this correct?) Pb(NO3)2 (aq) + 2NaI(aq When we join these two solutions, the ions can either combine in the same way they entered the solution or trade partners. In this situation, lead nitrate and sodium iodide could form, or lead iodide and sodium nitrate could form; to decide which will form, we must look at the solubility laws (“Notes on Precipitation Reactions – General Chemistry | CHEM 142 – Docsity,” 2021). describe in the detail what is meant by a “clock reaction”. Include references to both a technique using iodine, and our technique that uses sodium thiosulfate. (Needs fixing because its “apparently a bit too complex”) A clock reaction is another way of measuring rate. Clock reactions are a really good way of investigating the effect of concentration or the rate of reaction while also being simple to perform. The disappearance of a reactant, such as a sulfite in the Landolt reaction, controls the clock time in the traditional clock reactions. However, there are various types of clock behaviors that may occur. This article provides a brief overview of several instances. The clock time in the bromate-cerous reaction is regulated by the autocatalytic rise in the concentration of an intermediate molecule, HBrO2, which occurs during the process (Yan & Subramaniam, 2016). In the BL reaction, the induction time when the iodide ions concentration is measured looks different when the iodine and iodide concentrations are measured. This period should be referred to as the pre-oscillatory period. We have discovered an entirely new kind of clock behavior in the process of iodine oxidation by hydrogen peroxide: the clock begins to beep when another reaction disrupts the stable steady state of the hydrogen peroxide breakdown (Jusniar et al., 2020). The transitions between various dynamical states that all clock reactions entail go beyond their distinctions. The experimental curves can be analyzed by identifying time intervals with identical combinations of the time concentration profiles first and second derivative signs. This trend analysis can provide helpful information about the dynamical state transitions involved in the experiments (Jusniar et al., 2020). You will need to record your references correctly in APA style Hypothesis (I had to re start) • 2 to 5 sentences explaining your prediction of what should happen in this experiment. You need to back this up with information from your introduction. Materials sodium thiosulfate (0.5 M) solution 2 x 50 mL conical flask hydrochloric acid (1 M) solution hydrochloric acid (2 M) solution cold water bath hot water bath 5 mL measuring cylinder plastic pipette (3 mL) deionised water stopwatch thermometer marker pens white paper Method
Add 5 mL of deionised water to the conical flask, using the measuring cylinder.
Add 5 mL of sodium thiosulfate (0.1 M) solution to the conical flask, using the measuring cylinder.
Put the conical flask into a container of ice water for 1 to 2 minutes, until the temperature of the solution is 10°C. Record this temperature.
Remove the conical flask from the ice water and dry its base.
Draw a cross on a piece of white paper and place the conical flask on top of the cross.
Add 2 mL of hydrochloric acid (1 M strength) solution to the conical flask using the plastic pipette and use the stopwatch to time how long it takes before the solution has become so cloudy that you can no longer see the cross under the base of the flask.
Repeat steps 1 to 5, but use 2 M hydrochloric acid solution instead of 1 M hydrochloric acid solution.
Repeat steps 1 to 5, but use the hot water bath in step 2 instead of cold water. Put the conical flask in the hot water for 1 to 2 minutes, until the temperature is 30 °C.
Repeat steps 1 to 5, but use 2 M hydrochloric acid solution and the hot water bath in step 2 instead of cold water. Put the conical flask in the hot water for 1 to 2 minutes, until the temperature of the solution is 30 °C. Results 1M acid and cold bath – 12 minutes 2M acid and cold bath – 8 minutes 1M acid and hot bath – 2 minutes 2M acid and hot bath – 40 seconds. Discussion – 2 pages maximum (had to restart) • written as text, with no dot points and a new paragraph should be started for each new point. • include a paragraph describing your results and relating them to collision theory. • Refer to the student observations. In reference to these observations, in what ways could the experiment be improved to ensure that the results are accurate and consistent between groups • describe several applications and everyday occurrences that can be explained using the concepts involved in collision theory and analysing the rate of reaction Evaluation – Answer the Questions in Bold in reference to the following information Alan and Belinda carried out some reactions using hydrochloric acid and calcium carbonate (marble chips). They did an experiment four times, each time changing one variable. The table below gives the conditions for each of the experiments: Reaction A B C D Volume of Acid (mL) 50 50 50 100 Volume of water added (mL) 0 50 0 0 Temperature (oC) 20 20 60 20 From your experiences: Write the reaction that is most likely to produce the most gas. Explain your answer. Determine which reaction is likely to be finished first? Explain your answer in relation to collision theory. Which of these experiments is likely to be the control reaction? Explain why you think this is. The was carried out and Experiment D was completed in about the same time as experiment B, but produced twice as much gas. Alan said “Obviously there was an error in the measurement. Both experiments should have produced gas at the same rate as reaction D because they both use 100ml of solution. Acids have water in them anyway, so it makes no difference that there is 50ml of acid and 50ml of water. Belinda said “Well, they have the same volume of solution, but its not the water that reacts with the marble chips it’s the acid. So reaction B really only has half the amount of acid as reaction D, so the results should be different.” State who you agree with, why, and relate this to collision theory. Conclusion (Was told too complex and had to re start)
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Enjoy our bonus services. You can make a free inquiry before placing and your order and paying this way, you know just how much you will pay. A verdict was rendered against three parent chaperones. How was the third parent included in the case?
Premium papers. We provide the highest quality papers in the writing industry. Our company only employs specialized professional writers who take pride in satisfying the needs of our huge client base by offering them premium writing services Collision theory was developed by Max Trautz and William Lewis in the early 1900s when they established that particles must collide with one another in position to react.
ASSIGNMENT 1 of 5 – LOAN SUBMISSION [20 Marks] INSTRUCTIONS Read the scenario provided and using the information and data supplied, prepare a formal loan submission for a lender using the following headings. Use subheadings where appropriate to ensure your submission will be easily read and understood by the lender. The client file should contain the standard client information and data that would be included in a typical submission for a loan of this complexity. Your lender submission should include as a minimum the following headings:
Borrower’s Details
Background
Loan Purpose
Facility Details
Funds Position
Servicing Capacity
Security
Risk Assessment and Management (according to lender policy, guidelines and relevant legislation). Consideration must be given to any environmental, heritage or native title implications
Recommendations
List of Attachments*
Attachments which would normally be included in a submission to a lender need only be listed for the purpose of this assignment. You will not need to create “dummy” supporting documents. Overview The purpose of this task is to allow you to demonstrate that you can complete the major steps required in broking or writing a moderately complex loan for a customer – through identification, development and implementation of loan options while assessing and managing risks. The samples provided online in Appendix a) and b) will prove helpful. Remember that what you prepare would, in the real world, need to be presented to the client orally and thus must be understood by them.
SCENARIO Applicant’s Information Work History Andrew Bisset has been a real estate agent for over 20 years and jointly with his wife Jane own 6 shops at 55 Park Road, Belmont. Mr and Mrs Bisset own the shopping centre under the Bisset Family Trust. The property was valued 2 years ago at $1,450,000 and has a current ABZ Bank Mortgage of $625,000. Five of the shops are rented out for $96,000. The sixth shop is occupied by Mr Bisset’s real estate business, Bisset’s Real Estate Pty Ltd, which pays annual rental of $42,000 to the family trust. For tax purposes Bisset’s Real Estate pays rent which is $20,000 in excess of the fair market rental value of the shop it occupies. Bisset’s Real Estate Pty Ltd was formed at the beginning of the last financial year to take over the real estate agency business, which was previously conducted by a partnership between Mr Bisset and Joseph Hooper. Bisset’s Real Estate Pty Ltd took over the business when Mr Hooper retired; Andrew Bisset is the sole director of Bisset’s Real Estate Pty Ltd. Mr and Mrs Bisset now wish to acquire 3,000m2 of land near their existing shopping centre and hold it for 1 – 2 years pending rezoning. The purchase price is $600,000. The land was previously used as a State Government Health and Dental Centre, but the building was demolished when it became obsolete. The land is currently zoned ‘Special Purpose’, but the local council earmarked the land for future ‘Commercial’ use in it recently released Town Planning Scheme. The land is located at 423 Belmont Road, Belmont and has a two street frontage with considerable passing traffic. The Bissets have contracted to purchase the property in their capacity as trustees of their family trust and settlement is due with 60 days. They wish to raise 100% of the purchase price plus $25,000 for stamp duty, financing and conveyancing costs. They are willing to offer both the land and their existing shopping centre as security for the proposed loan. They will contribute a further $20,000 over the next 1-2 years to cover the costs associated with re-zoning of the property and obtaining approval to develop another shopping centre. ABZ Bank policy does not allow lending against land zoned ‘Special Purpose’ and cannot assist with the purchase. The Bissets have appointed you to approach an alternative lender to refinance their ABZ Bank Loan and obtain the additional funds required. Assume an interest rate of 7% for a commercial loan, 9% for an overdraft. Andrew Mark Bisset – DOB 29/07 1965 DL # 2945758 Jane Elizabeth Bisset – DOB 15/06 1967 DL # 2786454 Married with three adult children (one working in the real estate business) Address: 12 Currumbin Close, Carindale QLD 4152 Accountant – Ainslie and Partners Telephone – 07 3349 9999 Andrew has been a real estate agent for 22 years in the Brisbane South East area, he specialises in commercial and industrial property (rent roll comprises 75% commercial and industrial properties). His gross salary last financial year was $78,000. In the previous financial year he drew $55,000 from the partnership with Joseph Hooper. Financial Information Jane has worked as the property manager since Bisset’s Real Estate Pty Ltd took over the agency after the partnership. Her salary last financial year was $43,000. She did not work in the previous financial year. Last Financial year Bisset’s Real Estate Pty Ltd recorded the following financial results: Gross Revenue $346,000 Net Profit $ 72,000 Depreciation $ 14,000 Director Superannuation $ 11,000 In the previous financial year the partnership of Andrew Bisset and Joseph Hooper trading as Bisset’s Real Estate recorded the following financial results: Gross Revenue $422,000 Net Profit $ 84,000 Depreciation $ 16,000 Director Superannuation $ 11,000 The Bisset Family Trust purchased the shopping centre at Park Road Belmont 18 months ago and its financial statements for the past financial year are as follows: Gross Rental Income $138,000 Loan Interest $ 52,000 Management Fees $ 11,000 (paid to Bisset’s RE Pty Ltd) Net Profit $ 50,000 Depreciation $ 25,00 Financial Position – Andrew and Jane Bisset ASSETS House at 12 Currumbin Close Carindale QLD 0 $560,000 Share Portfolio (Blues Chip Listed Shares) $345,000 Motor Vehicles $ 60,000 Furniture $ 85,000 Cash at Bank $ 45,000 LIABILITIES Home Loan with ABZ Bank $190,000 ABZ Bank Credit Card (Limit $20,000) $ 10,000 TIP The servicing calculations need to be conducted manually showing all workings. Net profit minus tax. Show addbacks. Then calculate outgoings including the new facilities, and lastly using the correct formula provided in the course material calculate the DSCR.
Financial Information Continued … Financial Position of Bisset’s Real Estate Pty Ltd ASSETS Business Goodwill $250,000 Plant & Equipment $ 35,000 Debtors $ 30,000 LIABILITIES ABZ Bank Overdraft (limit $40,000 secured by residence) $25,000 (Keep in mind that, in the absence of actual tax returns which would confirm the income distribution of the trust, any profit would be distributed and taxed in the hands of the beneficiaries. For the purposes of this assignment, assume company tax of 27.5%, even though in -real life- of course you cannot assume and the distributions would be clear in “real life” financials.) Property being purchased Vacant Land 423 Belmont Road, Belmont QLD 4171 Lot 84 on RP 9564 Zoning “Special Purpose” Area 3000m2 Existing Property Shopping Centre 55 Park Road, Belmont QLD 4171 Lot 43 on RP 9542 Zoning “Commercial” Area 1850m2 Tenancies
Tenant Rent Term Rent Review J & R Blend T/A Blend News $22,000 pa net 3 + 3 years Annually by CPI Copelin Accounting Pty Ltd $18,000 pa net 1 + 1 + 1 years Annually by CPI R Spragos T/A Roger’s Deli $28,000 pa net 5 + 5 years Annually by CPI Vu Nguyen T/A Care Pharmacy $20,000 pa net 3 + 3 years Annually by CPI M Goodson T/A Good Alterations $8,000 pa net 3 + 3 years Annually by CPI Bisset’s Real Estate Pty Ltd $42,000 pa net 3 + 3 years Annually by CPI ASSIGNMENT 2
ASSIGNMENT 2 of 5 – LOAN SUBMISSION for EQUIPMENT FINANCE [20 Marks] INSTRUCTIONS The assessment for this module is to prepare TWO submissions (see A and B below): Task A: This first submission is for the client so that they have the facts on all their obligations and fees and the structure of the loan. Remember that what you prepare would, in the real world, need to be presented to the client orally and thus must be understood by them. Task B: This second submission is for the lender – a loan application to the lender in order to gain pre-approval. PART A – THE CLIENT
Prepare a list of questions that you would need to ask your clients about the proposed transaction, that is, prepare your needs analysis (ie. Fact Find).
In a suitable format, prepare a submission for the clients ie. a Proposal document. What your client submission should include:
The parties to the loan
The security
The facility details
Lender details (options, recommendations) that are able to lend
Confirmation of the client’s complex requirements
The personnel that may be involved: eg. the clients solicitor, accountant, financial advisor
The client’s responsibilities, so the client fully understands the loan
An outline as to the process timing and what the client needs to arrange
The documentation needed to commence the borrowing
The name in which the client will sign the contract to purchase
A summary of all fees and charges
Your notes detailing how you have provided appropriate contact with the client throughout the complex broking process The samples in Appendix a) and b) will assist. PART B – THE LENDER Prepare a loan submission to the lender for pre-approval. Your submission should include as a minimum the following headings:
Borrower’s Details
Background
Loan Purpose
Facility Details
Funds Position
Servicing Capacity
Security
Risk Assessment and Management (according to lender policy, guidelines and relevant legislation). Consideration must be given to any environmental, heritage or native title implications
Recommendations
List of Attachments*
Attachments which would normally be included in a submission to a lender need only be listed for the purpose of this assignment. You will not need to create “dummy” supporting documents. EVIDENCE REQUIREMENTS In order to be deemed competent, you will need to evidence the ability to: • Develop detailed broking options designed to maximise the client’s outcomes and reach client objectives which incorporate elements from research and which address complex needs and issues • Identify and describe key assumptions upon which the plan is based • Provide a detailed analysis of research strategies and findings • Test and make appropriate checks on a proposed plan for its integrity and compliance • Assess the impacts of taxation, social security, economic and other government policies on client investment and financial requirements • Interpret and comply with industry regulations and codes of practice • Identify the roles of associated financial advisers and work effectively with them • Assess broking options, financial markets and investment characteristics • Use appropriate sales and marketing methodologies and provide justification and research evidence • Gain client feedback on and/or agreement to the plan • Prepare materials and personnel to effectively implement complex loan structures • Establish appropriate audit trails and effectively document records and data. SCENARIO Commercial Equipment Finance for Ray Henley and Steve Manning The clients you met with this morning have been referred to you by another commercial client. They are joint company owners Ray Henley and Steve Manning and they run a successful and growing transport company. They have a diverse client base spread over many industry sectors which is a conscious management strategy to ensure that they do not have significant business risk to a specific market segment or client. All contracts are written with 30 day payment terms. Background industry checks as well as credit history checks are completed on all new business prospects to ensure that there are no adverse issues that may impact on future trading arrangements. Whilst they have only been trading for 34 months they have a solid business plan with actual results to date exceeding projected sales and profit estimates included in their plan. The business was established with unsecured (apart from Personal Guarantees) Seed Capital of $500k from a private investor based on a guaranteed return of $45k pa, and an overall term of 5 years which also requires a principal reduction of $100k pa. The loan can be repaid at any time without penalty. Ray and Steve’s Requirements To accommodate new contracts in hand and planned future expansion, the applicants require establishment of an Equipment Finance Limit of $500k to purchase Trucks and Dog Trailers in the next 12 months. On the advice of their accountant, a new entity, Henman Holdings Pty Ltd ATF The Henman Discretionary Trust, has been established to purchase equipment which will be internally hired to Henman Transport Pty Ltd (the trading entity). Hire charges will equate to finance payments. Ray and Steve are directors of both companies. The longer term intention is for the Trust to acquire premises to be occupied by Henman Transport Pty Ltd. As part of this expansion the company has leased a second depot at a cost of $6,000pm and will also retain the existing depot. They currently have 5 employees and where needed are using sub-contract operators to fill shortfall in their delivery capacity. Purchase of new additional trucks and trailers will provide additional capacity and flexibility and reduce reliance on sub-contractors who can be unreliable. Whilst a limit is being sought, purchases will only proceed where additional work has been contracted or older equipment is being replaced. Applicants are happy to provide half yearly management accounts as an approval covenant to give a lender comfort that projected sales and profits are in line with budgets. Applicants are keen to reduce debt as quickly as possible and have therefore decided to finance all new equipment over a 48 month term, without a balloon/residual and will commit a refund of GST Input Credits as additional repayments built into the contracted loan structure. Initial Fact Find Ray and Steve have both been in the transport industry for many years each being Financial Controllers for major transport companies. Ray has an MBA and Steve a marketing degree. These combined skills complement each other and assist in the effective management of the business. Ray is married and has no dependants. His wife is a school teacher and she will be retiring at the end of the year. Steve is single and is presently completing a HR degree as they feel that as the business grows these skills will be required. Steve and Ray have provided the last two year’s financial accounts for the trading business, as well as interim accounts for the current financial year. (Note: You need to calculate the required servicing for the new debt and surplus required for lender comfort. Assume an interest rate of 10% for the proposed debt) Financial accounts ? Year 1- Sales $700k Net Profit $240,000 ? Year 2- Sales $812k Net Profit $358,000 ? Current year interim indication- Sales $1.125m Net Profit $506,000 (10 months); Operating Costs include – Depreciation $86,000, Interest $52,000, Sub-contractors $71,000, Directors’ Superannuation $60,000 ? Wages to partner one $100,000 (paid as Fully Franked Dividend) ? Wages to partner two $100,000 (paid as Fully Franked Dividend) ? Payment to private investor (flat fee) $45,000- Expensed in P&L as Finance Cost ? Existing Equipment Finance (Chattel Mortgages) repayments of $5,000pm Applicant Information Key Balance Sheet Items ? Ray Henley net income $100,000 (paid as fully franked dividend), owner occupied property $850,000 with debt of $250,000 (assume 7.2% P&I), credit card limit $25,000 (with debt of $15,000, assume at 3.8%), contents $100,000, superannuation $550,000, motor vehicle $40,000 with nil debt. ? Steve Manning – net income $100,000 (paid as Fully Franked Dividend), owner occupied property $500,000 with debt of $350,000 (assume 7.2% P&I), credit card limit $10,000 (with debt of $3,000, assume at 3.8%), contents $85,000, superannuation $150,000, motor vehicle $25,000 with debt of $15,000 (assume five year debt at 9%). ? Cash in business account $25,000. Cash $25,000 Debtors $220,000 Creditors $100,000 Notes: They currently meet all creditor payments at 30-day terms. Debtor collection has been solid with active management of debtors and pre-contract investigation of new clients. They have just signed a delivery contract with Organic Flower Growers who supply to Coles Supermarkets state-wide. To accommodate this work their initial purchase will be a refrigerated Pantec truck at a cost of $145,000. Projected net profit from this contract is $60k pa. TIP The servicing calculations need to be conducted manually showing all workings. Net profit minus tax. Show addbacks, then calculate outgoings including the new facilities, and lastly using the correct formula provided in the course material calculate the DSCR. P.T.O. for additional Tips on this assignment. TIPS
In this Assignment 2, your submission can be either: a) Consolidation of all income and debt in assessing servicing capacity OR b) Separate residential and commercial calculations.
Presentation – Although in real life you may well present the client part of this assignment in person to the client/verbally, for the purposes of this assignment please present your submission in a written report format. Remember to include Part A, the list of questions that you would need to ask your clients about the proposed transaction, that is, prepare your needs analysis/Fact Find. Then make use of Appendix a) and b) for guidance on layout. Note that Appendix b) has key content points on page 3.
Risk management is the forecasting and evaluation of financial risks together with the identification of procedures to avoid or minimize their impact. If you take a look at Ray and Steves requirements and the -fact find- area in the scenario, this will assist you in providing possible risks and the relevant information to mitigate these risks, for example strong servicing, short loan term with no balloon, etc.
Funds Position – As explained in Appendix b), the Funds Position should include a calculation of required funds including purchase price and costs to ensure that borrowings and equity are sufficient to complete the transaction. The clients are potentially buying equipment costing $500,000 and it would be reasonable to say 100% borrowing requested. Brokerage is payable by the lender and included in the loan repayments to them so there is no additional cost in relation to brokerage.
Loan Repayments – If the loan is $500,000 and you calculate the P&I repayment amount of $21.25 (showing under the 5 Years column in the Monthly Repayment Calculator table in Appendix m), you would get a monthly repayment figure of $10,625 per month. However the scenario in this Assignment 2 is based around a 4 year term not a 5 year term so your calculation of the repayment amount would be a higher figure per month. If preferred, you may also, or instead, source and utilise an online Chattel Mortgage repayment calculator.
Servicing Capacity – You can assume that the lender will allow you to use three addbacks: Depreciation, Interest and the full amount of Directors’ superannuation (because they are paying themselves in the form of fully franked dividends, not salary). Remember also to use the rate of 27.5% when you work out the taxation on income. So simplistically you will have income less tax, then add back the addbacks, take away their commitments and you’ll be left with the servicing surplus and the DSCR.
Security – Security in the way of a mortgage over the homes of the Directors could be taken but it is probably unnecessary in this case. The more likely security would comprise of the Goods (trucks and trailer), the Directors Guarantees and the GSA from Henman Transport Pty Ltd. ASSIGNMENT 3
ASSIGNMENT 3 of 5
THEORY ASSESSMENT [30 Marks] – 5 marks for each question When responding to the following questions you are to describe the processes and resources used in each situation. Please provide evidence of any templates, organisational material or technology used and/or provided to the client in each situation. All references to written material or websites used must be provided (simple format). Question # Question Detail
Describe how you gather the information required when establishing the client’s complex lending requirements? In answering this question you should refer to: • Explanation of the services provided to the client • Listening and questioning techniques you employ • Your use of language appropriate to any cultural differences • Your interpersonal skills and how you would deal with any emotive issues sensitively • Your ability to build/establish rapport • Your professionalism • Your communication skills • Your provision of appropriate contact with client throughout the complex broking process
Describe how you record and document your interaction with clients? In answering this question you must refer to: • Templates used to gather information in initial interview • Diarising or recording telephone conversations • Procedures that are established for critical implementation, timing and priorities • The documentation gathered • Any technology used to record or gather information. • How you access and use appropriate specialist software, organisational templates, spreadsheets and databases • How your recommendations and loan structures, as presented to clients, are documented according to organisation guidelines and procedures
Describe how you research and consider complex broking solutions based on the clients’ needs? In answering this question you must refer to: • How special or complex features of a clients situation and objectives are discussed, reviewed and clarified • The analysis of the client situation to determine opportunities and constraints • Research into loan structures or options including those which are new or non-standard • Consideration of financial issues in terms of economic, legislation, taxation, legal, insurance • In what conditions would the broker need to refer clients to a Tier One advisor (eg. financial advisor or accountant) • How possible loan structure or options are analysed, modeled, prioritised and measured • The process used to reject inappropriate options including checks to ensure compliance with relevant Acts • Assessment of options to successfully achieve the client’s objectives • How you liaise with others, share information, listen and understand.
Describe and/or provide evidence of how you identify and manage risk when dealing with clients with complex loan requirements? In answering this question you must consider: • Risk evaluation criteria eg. undertaking risk categorisation and determining the level of risk • Risk assessment tools (eg. valuation practices) • Communication of the aspects of the valuation result/s to clients • Discussion on the issues around an adverse valuation • Establishment of the probability of risk including the severity and/or impact • Identification of stakeholders and how throughout the loan process o you seek their views o provide pertinent risk information – clearly describe risks o recommend amendments to existing controls and report any need for new controls • How would you as a professional in the industry ensure that you comply with industry and government requirements and professional codes of practice? • How would you read and interpret organisational and industry information?
Provide an example of how you present the loan options to the client, including an explanation of why you chose that option or options. This also must state the name of the lender and an explanation of why you chose that lender. In answering this question you must consider: how you guide the client through options including: • Discussion of impact – advantages, disadvantages, risks and financial implications • Fees charges and commissions inclusive of any fees paid by the lender directly to the broker • How would you explain to the client the lender conditions as they comply with relevant legislation, regulatory guidelines, industry sector compliance requirements and the lenders policy • Research and documentation provided to the client • Consultation required with other financial services professionals (eg. accountants, lawyers, financial planners, valuers, etc.) • Confirmation that the client understands the options presented and any concerns are addressed • Providing information on complaints resolution procedures (internal and external) as included in the information provided to the client.
Prior to presenting the loan options to the client did you identify any concerns that the client may raise? What preparation was completed to respond to these concerns? Consider: • Research/documentation materials • Alternative recommendations • Regulatory limits and financier guidelines In your answer you should also refer to your ability to: • Identify and respond appropriately to client concerns • Exercise restraint when dealing with clients in conflict situations • The process used to gain agreement to proceed from the client. ASSIGNMENT 4
ASSIGNMENT 4 of 5
SERVICING AND RESEARCH ASSESSMENT [30 Marks] – 5 marks for each question Question 1 In this exercise we are analysing some financial statements in preparation for completing a submission to a financier. The scenario is provided below and an income statement and balance sheet is then provided for Wholesale Butchers. You will then have 3 tasks to complete – A, B and C below. TIP: You may wish to reference the INT Services Practice Activity which you completed in Part 1 of the course learning guide: A. Using the 2 financial statements provided for Wholesale Butchers Pty Ltd, calculate the ratios in the table provided and comment as to the risk using Low/Medium/High rating: B. Complete the manual Serviceability Analysis for Wholesale Butchers Pty Ltd by inserting the figures into the table provided C. List your comments on the outcome from your completed Serviceability Analysis as you would if presenting this in a submission to a lender. Scenario: Mr Brett Olsen has owned his wholesale butcher company “Wholesale Butchers” for the past four years. He is the sole director and shareholder of the company. The past six months has seen an influx in orders and, to keep up with demand, he requires another refrigerated van in order to maintain delivery standards and turnaround times to his respective buyers. Mr Olsen wants to purchase a secondhand van, 1 year old, from RV Dealers for $55,000 and is considering a 5 year Chattel Mortgage (CM), with an interest rate of 9% and monthly repayments of $1,133.21. He has opted not to provide a deposit and is not seeking any balloon at the end of the loan term. As no deposit is to be applied, repayments will be monthly in advance. Mr Olsen’s only business debts are an overdraft with CBA with a limit of $25,000 and current balance of $2,800 at 9% and his CM with 6% loan with Esanda for his existing refrigerated van, with monthly repayments of $1,058 pm and 2 years remaining. His financials for the financial years ending 2018 and 2019 are provided here for your perusal and assessment (only $ are shown in financials, not cents, so there is some rounding in totals).
Wholesale Butchers Pty Ltd Income Statement For the financial year ending 30 June 2019 2018 2019 $ $ Sales 485,000 509,250 Cost of Goods Sold 291,000 305,550 Gross Profit 194,000 203,700 Operating Expenses Advertising 1,250 1,300 Amortisation 500 500 Depreciation 9,000 7,650 Interest 4,372 3,735 Office Equipment 1,000 1,100 Rent 29,100 30,555 Salaries (Directors) 32,000 35,000 Stationery 800 925 Utilities 25,000 26,000 Vehicle Expenses 9,700 10,185 Wages/Staff 48,500 50,925 Total Operating Expenses 161,222 167,875 Net Profit 32,778 35,825 Wholesale Butchers Pty Ltd Balance Sheet For the financial year ending 30 June 2019 2018 2019 ASSETS $ $ Current Assets Cash 22,945 25,078 Receivables 4,042 4,244 Stock on Hand (inventory) 5,596 5,876 Total Current Assets 32,582 35,197 Non-Current Assets Plant and equipment 24,000 21,600 Vehicles 35,000 29,750 Other Non-Current Assets 2,348 2,574 Intangibles (Formation Costs) 6,250 5,750 Total Non-Current Assets 67,598 59,674 Total Assets LIABILITIES 100,180 94,871 Current Liabilities Creditors 11,192 11,752 Overdraft CBA (Limit $25,000) 3,600 2,800 CM Esanda Current Portion ($1058×12) 12,696 12,696 Provisions Employees 4,042 4,244 Other 598 637 Total Current Liabilities 32,128 32,129 Non-Current Liabilities CM Esanda Long Term Portion 22,256 11,295 Total Liabilities Total Non-Current Liabilities 22,256 11,295 and Provisions 54,384 43,424 NET ASSETS (Owners’ Equity or Shareholders’ funds) 45,796 51,448 NB. Notes to the balance sheet and income statement have been omitted for this exercise however must be provided with every loan submission.
Part A – Ratios Using the financial statements provided – Wholesale Butchers Pty Ltd – you should fill in the table below by calculating the 9 different ratios for each of the 2018 and 2019 years. Then in the Risk Rating column please state whether the risk rating would be LOW, MODERATE or HIGH, for each of the ratios. RATIO 2018 2019 Risk Rating
Current Ratio
Quick Ratio (Acid Test)
Return on Equity (ROE)
Return on Assets (ROA)
Debt to Equity Ratio
Debt to Assets Ratio
Leverage Ratio
Interest Coverage Ratio (ICR) – Existing Debts
Debt Servicing Coverage Ratio (DSCR) – Existing Debt 1
Part B – Serviceability Analysis Notes 1 Generally only operational income is included unless non operational revenue is regular and reliable in which case comments should support inclusion 2 Amortisation refers to the write-down of intangible assets such as patents, licenses or copyright 3 Only include if there is above superannuation guarantee levy and is thus discretionary. Salaries generally infers payment to owners whereas Wages infers employees’ remuneration 4 Relates to one off items such as a gain or loss on sale of assets which reflect in the net profit but will not recur 5 Principal Repayments come from after-tax earnings so allowance needs to be made 6 Interest is a tax deductible expense and therefore the ratio does not require any allowance for taxation 7 New purchase will attract taxation deductions for depreciation and interest with a consequent reduction in the Net profit and the taxation liability and therefore enhance the repayment ability somewhat. Usually comment if DSCR is below 1.2 Using the financial statements provided – Wholesale Butchers Pty Ltd – complete the Serviceability Analysis below. 30 June 20__ 30 June 20__ Net Profit Before Tax (Note 1) Plus Potential Add Backs: Interest Depreciation + Amortisation (Note 2) Additional Superannuation (Note 3) Extraordinary or non-recurring expenses (may be Plus or Minus) (Note 4) Earnings Before Interest, Taxation, Depreciation, and Amortisation (EBITDA) Less Taxation* calculated on Net Profit Before Tax figure above (Note 5) Available for Debt Service (ie. EBITDA less tax above) Interest Cover Ratio: Proposed Deductible Interest Costs: Existing Overdraft (Base on $25k limit) Existing CM Interest (Current + Long Term) [Hint: $34,952 @ 6% for 2018] Plus Proposed facility ($55k @ 9%) Total Proposed Interest Costs Proposed Interest Coverage Ratio (Note 6) (EBITDA divided by Total Proposed Interest Cost) Debt Service Cover Ratio: Existing Overdraft from above, interest only Existing Loan Repayments ($1,058pm) Proposed Loan Repayments ($1,133.21pm) Total Commitment Proposed DSCR (Note 7) (Amount available for Debt Service divided by Total Commitment Proposed)
Corporate tax rate used is 27.5% Part C – Comments Complete some comments on the outcome from your completed Serviceability Analysis for Wholesale Butchers Pty Ltd, as you would if presenting this in a submission to the financier. Comments may include but are not limited to:
Question 2. Please research the Internet (eg. Google) on the subjects below and review the course material, then provide comprehensive answers to the following: A TRUSTS • What is a Unit Trust? • What is a Discretionary Trust? • What is a Hybrid Trust? • What is a Discretionary Family Trust? • What is a Trustee? • Define the differences of each type of Trust, including the obligation/s of the Trustee • Provide an example of when each type of Trust would be used. B COMPANY • What are the legal requirements of a company? • What are the personal obligations of directors by law (please summarise)? • Can anyone be a director of a company? • What is the minimum number of directors required? Question 3: From your research in the course and the Internet please provide answers to the following (from a Financial Accounting perspective): • What is a Balance sheet? • What is a Profit and Loss statement? • What is Depreciation? • What is Liquidity Ratio? • What is Current Ratio? • What is Debt to Equity Ratio? • What is a Cashflow Statement? • What is an Asset? • What is Liability? • How is a Net Profit determined? • How would you define Equity? • Under Australian taxation conditions, what are allowable expenses (provide 3 acceptable examples)?
Question 4: From your research in the course and the Internet please provide a definition of the following 4 products and give examples: • Commercial Bank Bill • Invoice or Factoring Finance • Chattel Mortgage • Asset Finance product or Equipment Finance Question 5: In the Australian Standard ISO 31000:2018 there are 8 Principles of Risk Management. A) Please list six (6) of them and B) briefly state what each one is about. Principle Outline of Principle A B Question 6: There are many ways that an Industry Analysis can be completed. We have provided a sample below of a simple process to categorise the overall risk of any business/industry that you may choose to analyse. Please review the entries below. To simplify the process some factors have been grouped together to alleviate any overlap of impact. Task: In approximately 200 words, explain why you believe it is necessary to categorise risks Industry Risk Factor Low Risk Moderate Risk High Risk Life Cycle Mature Industry Mature or Saturated Decline or Introductory Social/ Demographic Stable trends Unstable trends Very unstable – strong trend impact Cost Structure Lower Fixed costs – Higher Variable Costs Fixed Costs Higher than Variable Very High Fixed Costs, Very Low Variable Costs Economic Environment Not impacted by Business Cycle Some impact by Business Cycle Heavily impacted by Business Cycle Political Environment None to little influence, some regulation Some to heavy, Influenced by regulation Strong Influence – heavily regulated Buyer Impact Many Buyers Fewer Buyers Few buyers, large search effort, high budget required Supplier Impact Many Suppliers Limited or Few Suppliers Dependent on one or few, large input value Threat of New Entrant High barriers to entrant. Lower start up costs, access to market No new entrant barriers- very low costs Threat of Substitute Product/Service No Substitution Some substitutes – low cost to switch High level of substitutes no switching costs
ASSIGNMENT 5
ASSIGNMENT 5 of 5
SUSTAINABILITY PLANNING ASSESSMENT [30 Marks] Task: Please construct a written plan for sustainability for your business (or proposed business). Your plan should be for a business which is finance in nature eg. mortgage broking. Please incorporate all the points below into your plan. Length should be more than 1000 words ie. two typed pages. Note, if you are in, or propose to be in, a sole trader business or working within a structure that has their own business plan, then not all of the points may be applicable to you however they should be covered in your assignment. Simply say after the point “may not be applicable to my business” however most points should be. Also please note that profitability is crucial to sustainability and should be considered in any plan. Additional assistance:
We provide a document about Sustainability in Business in Appendix k – You can utilise the internet to assist with your research – A useful framework to use is the Triple Bottom Line concepts. Points to cover in your plan: • Define scope of sustainability policy – what do you want to achieve. • Gather information from a range of sources to plan and develop policy. • Identify and consult stakeholders as a key component of the policy development process. • Include appropriate strategies in policy at all stages of work for minimising resource use, reducing toxic material and hazardous chemical use and employing life cycle management approaches. • Make recommendations for policy options based on likely effectiveness, timeframes and cost. • Develop policy that reflects the organisation’s commitment to sustainability as an integral part of business planning and as a business opportunity. • Agree to appropriate methods of implementation, outcomes and performance indicators. • Promote workplace sustainability policy, including its expected outcome, to key stakeholders.
• Inform those involved in implementing the policy about expected outcomes, activities to be undertaken and assigned responsibilities. • Develop and communicate procedures to help implement workplace sustainability policy. • Implement strategies for continuous improvement in resource efficiency. • Establish and assign responsibility for recording systems to track continuous improvements in sustainability approaches. • Document outcomes and provide feedback to key personnel and stakeholders. • Investigate successes or otherwise of policy. • Monitor records to identify trends that may require remedial action and use to promote continuous improvement of performance. • Modify policy and or procedures as required to ensure improvements are made. This concludes your five assignments. Please see the introduction for how to submit to NFI Mandatory Feedback Questionnaire Provided next is a questionnaire which forms part of your personal assessment of this course. This questionnaire is an AQTF stand-alone document which is separated from your assessment once received by NFI. Only your responses are input into the Department of Education & Training’s statistical website – NO NAMES NOR ANY METHOD OF TRACKING RESPONSES IS RETAINED OR REQUIRED BY THE DEPARTMENT. Please return the completed, double sided questionnaire provided, returning at the same time as your Assessment submission by either uploading or emailing. We thank you for your co-operation with this Departmental requirement
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Questions are not equally weighted. LO1 1 – Discuss how different hormones help maintaining blood glucose level within the normal range, when blood glucose level is too high (hyperglycemia), and when blood glucose level drops (hypoglycaemia). 2- Describe neural control of breathing. Explain in detail the function of major structures in the medulla oblongata and pons. 3- Explain in detail the process of blood pressure regulation by the kidney, initiated by significant blood loss (RAAS). 4- Describe the stress response, short term, long term through to exhaustion. Start in the hypothalamus and limbic system. Suggested literature: Marieb, E.N., & Hoehn, K. (2019). Human anatomy and physiology (11th ed.). Pearson. LO2 1- Explain the dual blood supply of the liver, the origin of the vessels, as well as the nature of fluid that they carry. 2- Describe the microscopic anatomy (structure) of the liver. 3- Describe phase I and phase II drug metabolism in the liver. 4- Discuss the metabolism of oral paracetamol. Include in your answer how paracetamol overdose affects the liver. Suggested literature: Marieb, E.N., & Hoehn, K. (2019). Human anatomy and physiology (11th ed.). Pearson
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Assignment 1: Industry Analysis and Report Submission: Please submit this assignment to provided links in Canvas Type: Individual Value: 30% of the total mark Word Limit 2500 ± 10% words (excluding references) Aim: The assignment is designed to demonstrate your: • understanding and knowledge of enterprise systems principles • understanding of issues that contribute to current debates in enterprise systems • use of analytical skills in reviewing academic and practitioners’ sources • ability to draw meaningful conclusions from your research Industry Research and Analysis Read the following case study about the Southern Cross Travel Agency (SCTA) company. You are required to:
Analyse the case study, identify the problems and opportunities for the company in the case study and create a needs assessment.
Market Assessment: Critically review some possible and suitable Cloud ERP solutions. Collect data about different Cloud ERP vendors (8-10) that you believe could be suitable for the company in the case study and research their ERP products. You may base your argument on following criteria: o Point(s) of difference (how is the product different from other vendors?) o Niche market (if any, and do they target a particular market?) o ERP services (what ERP services does the suite offer?) o What sized organisations are supported by this suite/solution? o Business Continuity (does the vendor offer any plan for business continuity during a crisis (for example, during the COVID-19 pandemic)? o Analytics (does the product provide Analytics features or services?) o And other dimensions/criteria that you could use in order to make your argument richer
Recommendation: Recommend the product that is the most suitable for the company to address its challenges and requirements. Clearly explain how the selected product does this. You should draw on your analysis in step 2 to help justify and support your recommendation. In your report, you need to use quality references to argue that your choice of ERP is a suitable solution(s) for problems identified in the case study. Your arguments should make explicit links between the technological and organisational solutions of the ERP of your choice, and the short and long-term requirements of SCTA. For instance, issues like the efficiency of the business processes, business continuity, security, and running costs are important issues to be considered. At the end of your report, you should offer relevant recommendations to SCTA. You can also make assumptions wherever needed, for prices, after-sales support, etc. Case Study: Travelling in the time of the global pandemic The international tourism industry is taking a major hit as COVID-19 circulates into more countries – and fear about it – spreads across the world. Governments around the world have warned and continue warning would-be travelers to stay away from outbreak hotspots, and in some cases, enacting travel bans to forbid travelers from going to high-risk areas. Photos of empty tourist destinations around the world, emptied-out festivals, vacant churches and temples, and quarantined luxury hotels – show the impact of the coronavirus outbreak on the tourism industry has been devastating. A new report from consulting firm Tourism Economics has put some estimated numbers to this ravaging situation. The report suggests that for example, it expects the US economy to lose over 3.5 million visitors from Asian countries, translating to a 38% drop for 2020. The report also estimates that around the same number of tourists will not be visiting countries like Australia and New Zealand. The report tallied expected losses from the Asian visitors spending at $US35.7 billion – more than half of which are expected to occur this year. Venice Carnival was cancelled because of the coronavirus. Venice, Italy, February 23, 2020. Source: Reuters. In such a tough and uncertain business climate, many companies who are involved in tourism are seeking reliable ways of accessing accurate information about their operation and the state of COVID-19 and its impact around the world. Many of them are exploring new ways to redesign their business processes and make them more efficient and cheaper. One of the Australian based companies that also has been affected by the spreads of the coronavirus is the Southern Cross Travel Agency (SCTA) company. Empty streets of the Naviglio Grande canal in Milan, Italy, on February 24, 2020. Source: AP SCTA was established in 2002 and since then has enjoyed steady growth in Australia and the neighbouring countries. As a result, currently, the company has multiple offices across the Australasia region. Its corporate headquarters are in Melbourne but it has more than 10 offices across Australia and 5 in China, 2 in Vietnams, 2 in New Zealand, 2 in Indonesia, 2 in Thailand, 2 in Malaysia and 1 in Nepal. It employs 400 employees and annual sales of $240 million. The company’s administrative structure consists of departments for Sales and Marketing, Human Resource Management, Operations, IT, Research and Development, Accounting and Finance, and Public Relations. SCTA offers first-class and affordable holiday 5 experiences, mostly to international students and their families. SCTA initially had a manual booking system in each office, but changes and advances in technology have enabled SCTA to transform its business by using an online booking and communication system in 2010. However, the current system can only perform basic functionalities of maintaining current listings of the resorts (uploaded as a PDF file) and student enquiries. Further, during the upgrade the company experienced project delayed and budget overturn. This experience made the company’s board of director hesitate to implement new system. However, the general manager of SCTA is aware that the company needs to have a better comprehension of the current business environment and it is clear that the existing system does not provide them with necessary functionalities that enable them to capture and analyse different types of information from their geographically distributed offices. At the moment, different departments in order to satisfy their own needs, tried to develop their own systems or databases to facilitate their work- this is known as “feral or shadow systems”. A lack of trust in the ERP, ineffective training methods and complexity in extracting the data from the ERP were identified as a problem which lead to the development of “Feral Systems” (Kerr, 2007). This causes reductions in the effectiveness and accuracy of business analytics such as data mining and forecasting. Furthermore, SCTA not only needs to enhance their current system to promote their business but also needs to inform their clients and partners (resorts, airlines, hotels, Airbnb) about the latest developments concerned with the spread of COVID-19. In a recent board meeting, it was discussed that different types of information should be gathered, analysed, and shared with clients and partners to enhance the travel safety and experience of their clients before, during and after the trip. In addition, at this stage, SCTA‘s main clients are international students. However, with the emergence of new challenges, SCTA has to diversify its clients and offer new services. This change demands the provision of further information to different groups of new stakeholders. The current system does not provide expandable functionalities for making timely and multi-way communications with new clients and partners during and after trips. SCTA also wants its partners to be able to update all their information online. (End of the case study) Some guidelines The report is to be written to reflect your understanding of enterprise systems. It is up to you as to what aspects, issues or arguments you put forward, but they must be relevant to the enterprise systems field, and they must be grounded in current literature. The report is a piece of academic writing, and all claims and assertions must be adequately substantiated with appropriate evidence. Thus, you are expected to use other literature and references, preferably from other journal papers, to substantiate and justify your arguments. All sources used in the report must be appropriately cited and referenced. The research report must be critical and relevant academically, and where appropriate, it should indicate implications for practice. If you are unsure how to write a report, please consult with the resources that are available in the library. Please be aware of the plagiarism and collusion policies established by Swinburne University. Submission Requirement: All students must agree to the Declaration and Statement of Authorship. In addition, students should also be aware of the plagiarism and collusion policies established by FBL and Swinburne University of Technology. Links to this policy are in the Unit Outline. Extensions: Links to the extension policy are in the Unit Outline. Please note that any request for an extension on or after the due dates will not be considered. Assessments A detailed assessment guide will be available on Canvas. In general, the assessment criteria will be based on • The originality of the work • Clarity of the analysis • Ability to synthesise ideas and literature, and reflect on relevant issues in enterprise systems • Depth and breadth of your analysis and reflections • Use of current literature • Relevance of references • Layout, structure, spelling, etc. and adherence to style guides • Adherence to citation and reference standards
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please read the case study and apply the case fact into the questions asked in the analysis document. PESTEL analysis template Political ? ? ? ? Economic ? ? ? ? Social ? ? ? ? Technological ? ? ? ? Environmental ? ? ? ? Legal ? ? ? ? A PESTEL analysis focuses on the external environments in which a business operates. You should be able to describe the potential impact(s) that each identified factor may have on the business now and in the future. Analysis should focus on the factors that are most likely to change and the factors that are likely to have the greatest impact on the business. • Political – Existing or potential government policies; and ways in which government does, or is likely to, impact on the business. • Economic – Key economic factors that impact on the business. • Social – Demographic characteristics, societal norms or trends and applicable attitudes and values. • Technological – Technological changes, innovations or advancements, and cross industry/market adoption or adaption. • Environmental – Environmental factors or changes that may impact on the business. • Legal – Existing legislation that impacts on the business. Potential changes to legislation are considered to be political factors as governments drive changes in legislation through policies. For the factors listed above, consider which factors are most likely to change and their impacts on the business. Swot analysis template S Strengths W Weaknesses 1. 2. 3. 1. 2. 3. O Opportunities T Threats 1. 2. 3. 1. 2. 3. Internal perspective – Factors that the business can directly control. They are considered important to its long-term success. Strengths – Internal features of the business that allow it to operate more effectively than its competitors. Consider the following: • What the business does better than its competitors. • The advantages it has over its competitors. • What differentiates it from its competitors. Weaknesses – Internal aspects of the organisation that could be improved. Consider the following: • Whether the business has any features that do not meet the industry standard. • Whether the business can increase performance in any underperforming aspects. • Any features of the business that cause problems or complaints. • What its competitors can do better. External perspective – Factors that the business cannot control. Opportunities – Factors in the business external environment that it can use to its advantage, such as new or changing trends. Consider the following: • Any developments or changes in relevant technologies or markets. • Any changes in relevant government policy or regulations/legislation. • Any major local or global events that may have occurred. • Any potentially new uses of the business’ products and/or services. Threats – Factors in the business external environment that could adversely affect the business or its strategic intent. Examples include inflation, new legislation or a new competitor in the market. Consider the following: • Any obstacles the business might face from external factors. • What the business’ competitors are doing. • Any changes in products, services or technology that could threaten the business. • It is possible for something to be considered as both an opportunity and a threat. Porter’s Five Forces Analysis template
Porter’s Five Forces analysis considers the external environment in which a business operates to determine the intensity of competition that exists within an industry. The higher the overall intensity rating of the various forces, the higher the intensity of competition. The level and source of intensity should have a direct impact on a business’s strategy. • Threat of new entrants – How easy is it for new competitors to enter the industry? Competitors may come from another market (eg overseas) or another industry. Assess the different barriers to entry. • Threat of substitute products or services – Can other products/services be used in place of the products/services the business provides? How similar are the other products in terms of cost, quality and functionality? • Bargaining power of suppliers – In negotiations, who has the greatest influence on the relationship? Who is more dependent on the other? Who has the greater market presence, and are their supplies unique? • Bargaining power of buyers – In negotiations, who has the greater influence on the relationship? Who is more dependent on the other? Who has the greater market presence? • Rivalry amongst existing competitors – How many businesses operate in the market? How fragmented is the market? What is the key basis for competition? How are industry growth levels? What stage of the growth lifecycle is industry currently experiencing? What are the barriers to exiting the market? Value chain analysis template Primary activities Margin Inbound logistics ? ? ? ? Operations ? ? ? ? Outbound logistics ? ? ? ? Marketing and sales ? ? ? ? After-sales services ? ? ? ? Support activities Administrative infrastructure ? ? ? ? Human resources management ? ? ? ? Technology development ? ? ? ? Procurement ? ? ? ? Task 2. 1. Fill in the template by describing 10 different risks in the case study. Include a range of both financial and non-financial risks in your answer. For each risk you need to answer the following questions: o What could be the source or underlying cause of the risk? o Why is this a risk? o What would be the consequences of failing to address the risk? o How can the risk be managed? 2. Update the strategic analysis you completed in Topic 3.1 3. Open your strategic analysis documents. 4. Compare the analysis documents to the risks you identified. o Are there any risks you didn’t initially include in your strategic analysis? o Do you have any new insights that may impact on your strategic analysis? 5. Amend your strategic analysis by adding in any relevant information from your risk identification. Include justification for these changes. Risk identification template Risk Name and description of the risk Source or underlying cause of the risk Explanation of why this is a risk Potential consequence(s) of failing to address the risk Can the risk be managed? If yes, how? 1 2 3 4 5 6 7 8 9 10 TASK 3 Analyse the financial ratios. 1. For each ratio, complete the analysis column. Compare each ratio over time and to the benchmark, referring to the financial statements and the company information. 2. Write a brief analysis for each ratio which includes the following: o How the company compares to benchmark ratios. o The reason why a ratio might differ from a benchmark. o Whether the ratio is considered reasonable. o Ratio trends over time. 3. Update the strategic analysis and risk identification you completed 4. Open the strategic analysis documents and the risk identification document. o Compare these documents to your ratio analysis. Does this provide any new insights that may impact your strategic analysis and identified risks? 5. Amend your strategic analysis and risk identification documents by adding any relevant information from your ratio interpretations. Include justifications for these changes. Interpret ratios template Jun-21 Jun-20 Jun-19 Jun-18 Jun-17 Australia Benchmark US Benchmark Financial ratio analysis Profitability ratios Gross margin 35.09% 34.70% 35.66% 35.99% 35.68% 40.00% 35.00% EBIT Margin 5.86% 3.87% 7.51% 7.43% 7.72% 5.00% 7.50% Return on assets (ROA) 4.80% 3.33% 5.32% 5.00% 5.15% 6.00% 7.00% Return on shareholders equity 4.45% 1.38% 5.51% 4.74% 4.83% 10.00% 12.00% Activity ratios Debtor days 55.21 45.09 47.30 48.27 47.50 45.00 60.00 Inventory days 178.00 148.92 160.42 164.50 195.19 150.00 180.00 Creditor days (based on COGS) 200.19 187.53 211.06 198.24 176.64 90.00 175.00 Working capital days 33.01 6.48 -3.35 14.52 66.05 105.00 65.00 Asset turnover 0.82 0.86 0.71 0.67 0.67 0.75 0.80 Fixed asset turnover 1.39 1.44 1.18 1.13 1.14 1.40 1.40 Liquidity ratios Current ratio 1.35 1.20 1.30 1.34 1.66 1.50 1.25 Quick ratio 0.50 0.44 0.66 0.66 0.91 0.65 0.55 Financing ratios Return on equity (ROE) 4.55% 1.45% 5.64% 4.83% 4.92% 10.00% 12.00% Return on capital employed (ROCE) 7.22% 4.99% 7.61% 6.86% 6.77% 12.00% 15.00% Debt ratio 0.47 0.46 0.39 0.38 0.36 0.50 0.50 Debt-equity ratio 0.88 0.85 0.64 0.60 0.57 0.75 0.75 Interest coverage ratio 5.05 3.51 10.23 8.01 6.73 3.50 4.50 Other ratios Dividend payout 10.00% 10.00% 20.00% 20.00% 20.00% 40.00% 50.00% Return on investment (ROI) 4.66% 2.99% 5.14% 4.85% 4.99% 10.00% 12.00% Operating cash flow ratio 0.05 0.05 0.28 0.34 0.65 0.25 0.25 Operating cash flows to net profit 0.67 2.16 2.68 3.29 5.41 1.20 1.20 Current liability coverage 0.04 0.05 0.26 0.32 0.62 0.20 0.20 Self-generation -$8,650 -$6,148 $4,346 -$4,321 $14,806 positive positive
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Premium papers. We provide the highest quality papers in the writing industry. Our company only employs specialized professional writers who take pride in satisfying the needs of our huge client base by offering them premium writing services Political – Existing or potential government policies; and ways in which government does, or is likely to, impact on the business.
CHC43415 Certificate IV in Leisure and Health (Release 2) E1320 HLTAAP002 Confirm physical health status Written assessment Student name: XXXXXX Student number: XXXXXX Assessment number: 35123/02
Instructions to the learner To help Open Colleges manage your assessment, please use the following file-naming convention when you save your Microsoft Word document. Your file should be named and saved to your computer hard drive using your: [Student number]_ [assessment] _ [assessment number].docx For example: 12345678_21850a_01.docx If, for any reason such as size of file, you need split one document into several different documents ensure you identify them as Part A, Part B etc. This will ensure the Assessor can mark sequentially. For example: 12345678_21850a_01_Part A.docx 12345678_21850a_01_Part B.docx Assessment submission Prior to submitting your assessment ensure that your name and student ID are included on the front cover page as well as in the footer of each page. If this is not done the assessment may be returned to you for authentication. If there is a video or audio recording as part of this assessment you must have an introductory statement stating your name, student ID, Qualification and assessment number, along with the task or question you are responding to. When you are ready to submit your assessment, upload the file to OpenSpace using the Assessment Upload links in the relevant module of your course. The ‘Support’ tab provides further assistance. Uploading assessments to OpenSpace will enable Open Colleges to provide you with the fastest feedback and grading on your assessment. It is important that you keep a copy of all electronic and hardcopy assessments submitted to Open Colleges. Competency details HLTAAP002 Confirm physical health status This unit applies to workers assisting in leisure and health activity programming in a range of contexts. It describes the skills and knowledge required to obtain and interpret information about client health status and to check a client’s physical health. It requires a detailed knowledge of anatomy and physiology.
Introduction This document is Assessment 2 of the two assessments you are required to complete, together with structured workplace learning, for HLTAAP002 Confirm physical health status This assessment is designed to gather evidence of competence, specifically to: • Obtain information about physical health status • Check physical health status • Identify variations from normal physical health status Assessment 2 Description 35123/02 Written assessment
Assessment 2 For this assessment, you will need to read each case study below and address each question in detail, demonstrating your skills and knowledge when confirming the physical health status of clients, relevant to your own work role. Case Study 1: Julio Julio’s job role requires him to meet and obtain physical health status information before delivering a health service to his clients. Julio has several methods which he uses to obtain information on the health status of his clients and then enters his findings and notes straight into the computer program designed to record health information. This morning, Julio has met with a female, aged 42, with very fair skin and freckles. She presented in reasonable physical health and as they discussed her health issues, Julio referred to the notes taken from the last appointment. During the process of obtaining information from the client, Julio is shown a small raised, rough area of skin on the top of her ear that was flaky and red. She has also asked Julio about skin cancer and how it develops.
Provide an example of how Julio can obtain accurate information about the physical health status of this client while conducting his assessment using: • Observations (approx. 50-80 words) • Questioning (approx. 50-80 words) • A review of documentation (approx. 50-80 words) Observation Questioning A review of documentation
What could Julio ask to gather further information about the lesions on the ear? (minimum of three questions) (approx. 200-300 words)
3. a. List the necessary information should be recorded in a health and medical history document and why? (approx. 100-150 words) b. Is it necessary for Julio to note the additional health issue he identified with the skin lesion – provide your reasoning. (approx. 100-150 words)
Continuing from the client’s question regarding the small raised, and rough area of skin on the top of her ear that was flaky and red. How should Julio manage the conversation in relation to: a) What further assessment/s should be made to establish the condition and who should he refer the client to in this situation? (approx. 20 words) b) What happens to the normal functioning of cells when they turn into a cancer or tumour including the loss of normal control mechanisms? (approx. 50-80 words) c) Explaining two types of cell adaptions the body will perform when environmental changes occur. (approx. 50-80 words) d) Outlining the environmental hazards that can increase the risk of cancer. (approx. 50-80 words)
Case Study 2: Annemarie Annemarie has a client in her care that has been recently diagnosed with atherosclerosis after experiencing some angina pain. This client is a 55-year-old male, and from his health and medical history records, Annemarie can see that he is not an active person and is overweight. Annemarie knows that she needs to setup an individual plan to encourage more exercise and health lifestyle to support her client. He does not seem to have a clear understanding of his condition and how he can aid in the management of it. Provide detailed responses to the following questions to assist Annemarie with this client
Atherosclerosis is described as a ‘degenerative’ disease. Explain what a degenerative disease is. (approx. 50-100 words)
To provide the client with the best care service, briefly outline the role of nutrition in preventing Atherosclerosis. (approx. 80-150 words)
How might the client’s metabolism be involved in the physical health status findings in this case study? (approx. 80-120 words) Physical Health status What is the impact due to a low metabolism
Case Study 3: Antonella Antonella has reacted badly to news from her doctor that she has contracted a health condition whilst overseas. The condition has some serious symptoms and will require long term treatment. One of the symptoms includes a malfunction in Antonella’s ability to regulate temperature; for example, she may have sporadic sweating/fever like symptoms. Her health care worker, Karen, is doing a physical health assessment for another intervention and Antonella is telling Karen about her concerns for her health.
Antonella’s response to her diagnosis was very negative and angry. a. Explain why it is important for Karen to clarify the significance of Antonella’s health status. (approx. 50-80 words) b. Outline how you would help Antonella understand the importance of her health status. Ensure your response contains positive thinking patterns regarding her health to minimise trauma? Give at least two examples of how negative emotional responses can impact on health. (approx. 50-80 words)
Provide two (2) examples of how negative emotional responses can impact on health. (approx. 50-80 words)
Case Study 4: Alex Alex has had a lot of experience assessing the health status of people with health care needs. He has a current certificate in First Aid and has worked in the field for five years. He is always very thorough with recording information in documentation. Alex maintains a high level of alertness when conducting an assessment conducting observations and using effective questioning techniques. He feels confident that his methods to obtain all the relevant information are sufficient, this based upon his professional development throughout his career. Alex regularly attends meetings and is up to date with the organisation’s policies and procedures. Recently a person attended the clinic who was very unwell, he had a temperature, and felt faint, and Alex had to rely on his training in the organisation’s emergency procedures to be able to deal with the adverse physical health condition seen in the person.
List the steps that should be taken before beginning the delivery of a health service or intervention. a. Explain why is it important to do this? (approx. 200-250 words) b. If Alex overlooked an important factor of a physical health assessment, what could happen if an intervention or delivery of a health service went ahead. (approx. 20 words)
Why is it important for Alex to be familiar with his job role and scope of practice, to effectively assess and confirm the physical health status of this client? (approx. 80-100 words)
Why is it important to undertake training in organisation’s policy and procedures for ‘emergency health situations’? (approx. 150-200 words) Checklist You must complete and submit the following. Assessment 2
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HS2021 Database Design and Use Assignment 2 Individual Assessment Assessment Weight: 15% Due: Weeks 8 Objective(s) This assessment item relates to the unit learning outcomes as in the unit descriptor. This assessment is designed to reinforce the lecture material and give students practice at applying Database design techniques, as well as providing a relational schema using DDL statements and relational DML statements to demonstrate access of the Database to be built. Instructions Consider the following Case Study Scenario for ‘Holmes Software Engineering’ A relational database is to be designed for a medium sized Company dealing with industrial applications of computers. The Company delivers various products to its customers ranging from a single application program through to complete installation of hardware with customized software. The Company employs various experts, consultants and supporting staff. All personnel are employed on longterm basis, i.e. there is no short- term or temporary staff. Although the Company is somehow structured for administrative purposes (that is, it is divided into departments headed by department managers) all projects are carried out in an inter- disciplinary way. For each project a project team is selected, grouping employees from different departments, and a Project Manager (also an employee of the Company) is appointed who is entirely and exclusively responsible for the control of the project, quite independently of the Company’s hierarchy. The following is a brief statement of some facts and policies adopted by the Company. • Each employee works in some department. • An employee may possess a number of skills • Every manager (including the MD) is an employee • A department may participate in none/one/many projects. • At least one department participates in a project. • An employee may be engaged in none/one/many projects • Project teams consist of at least one member. Deliverable Descriptions For the above mini-case study, you are to analyze the data requirements and develop a set of relational tables to suit the above case study. • Draw and ER diagram depicting the relational database. • Make sure the tables are normalized. • Build the Database in PostgreSQL (storing your DDL statements in a script) • Add test data to the PostgreSQL database (again store these DML statements in a script), one of the employees you add must have an employee ID the same as your own Student ID. This employee must also be part of a team working on some project • Develop a set SQL queries to query this database (there should be at least 4 queries) ? at least 2 queries should joint multiple tables (1 should join at least 3 tables) ? at least one query should show the employee with the ID the same as your student ID For each query, you should show the output from executing the Query in PostgreSQL by cutting and pasting the PostgreSQL output into your assignment just under the Query. This should be demonstrated to your tutor in class during a tutorial after the due date to be advised by your tutor. Submission Guidelines The day and time of the due week that the assessment must be submitted will be announced by your subject coordinator. Your documents should be a single MS Word or OpenOffice document containing your report. Do not use PDF as a submission format, All submissions will be submitted through the safeAssign facility in Blackboard. Submission boxes linked to SafeAssign will be set up in the Units Blackboard Shell. Assignments not submitted through these submission links will not be considered. Submissions must be made by the due date and time (which will be in the session detailed above) and determined by your Unit coordinator. Submissions made after the due date and time will be penalized per day late (including weekend days) according to Holmes Institute policies. The SafeAssign similarity score will be used in determining the level, if any, of plagiarism. SafeAssign will check conference web-sites, Journal articles, the Web and your own class members submissions for plagiarism. You can see your SafeAssign similarity score (or match) when you submit your assignment to the appropriate drop-box. If this is a concern you will have a chance to change your assignment and resubmit. However, re-submission is only allowed prior to the submission due date and time. After the due date and time have elapsed your assignment will be graded as late. Submitted assignments that indicate a high level of plagiarism will be penalized according to the Holmes Academic Misconduct policy, there will be no exceptions. Thus, plan early and submit early to take advantage of the re-submission feature. You can make multiple submissions, but please remember we grade only the last submission, and the date and time you submitted will be taken from that submission. Academic Integrity Holmes Institute is committed to ensuring and upholding Academic Integrity, as Academic Integrity is integral to maintaining academic quality and the reputation of Holmes’ graduates. Accordingly, all assessment tasks need to comply with academic integrity guidelines. Table 1 identifies the six categories of Academic Integrity breaches. If you have any questions about Academic Integrity issues related to your assessment tasks, please consult your lecturer or tutor for relevant referencing guidelines and support resources. Many of these resources can also be found through the Study Sills link on Blackboard. Academic Integrity breaches are a serious offence punishable by penalties that may range from deduction of marks, failure of the assessment task or unit involved, suspension of course enrolment, or cancellation of course enrolment. Table 1: Six categories of Academic Integrity breaches Plagiarism Reproducing the work of someone else without attribution. When a student submits their own work on multiple occasions this is known as self-plagiarism. Collusion Working with one or more other individuals to complete an assignment, in a way that is not authorised. Copying Reproducing and submitting the work of another student, with or without their knowledge. If a student fails to take reasonable precautions to prevent their own original work from being copied, this may also be considered an offence. Impersonation Falsely presenting oneself, or engaging someone else to present as oneself, in an in-person examination. Contract cheating Contracting a third party to complete an assessment task, generally in exchange for money or other manner of payment. Data fabrication and falsification Manipulating or inventing data with the intent of supporting false conclusions, including manipulating images. Source: INQAAHE, 2020
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Premium papers. We provide the highest quality papers in the writing industry. Our company only employs specialized professional writers who take pride in satisfying the needs of our huge client base by offering them premium writing services ase Study Scenario for ‘Holmes Software Engineering