1. Describe the development of speech, from infancy to approximately two years of age. (100 word minimum for all questions)
2. Choose which type of mindset you most identify with, either fixed or growth, and explain how this mindset affects how you feel about your intelligence and abilities. What did you see modeled in your childhood home, and how does that shape your thinking today?
3. Academicians studying decision-making generally fall into one of two camps. Those in the first camp believe that humans are essentially irrational and tend to make poor decisions in a variety of situations, often based on impulse, emotions, or circumstance. In contrast, members of the second camp argue that, although humans do sometimes make poor decisions, they are generally quite rational.
Discuss the two camps of thought on human decision-making, and identify which you align with and why. You must support your beliefs with examples of various decision-making methods presented in this unit. What evidence is there that people tend to make poor decisions? What evidence is there that people tend to make good decisions?
4. Choose one theory of intelligence presented in this unit, and explain what it means in your own words. What are the common characteristics of intelligent behavior? How can you tell if someone is intelligent?
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Describe the development of speech, from infancy to approximately two years of age
Bradburn Corporation was formed 5 years ago through a public subscription of common stock. Daniel Brown, who owns 15% of the common stock, was one of the organizers of Bradburn and is the current president. The company has been successful, but it currently is experiencing a shortage of funds. On June 10, 2014, Daniel Brown approached the Topeka National Bank, asking for a 24-month extension on two $35,000 notes, which are due on June 30, 2015, and September 30, 2015. Another note of $6,000 is due on March 31, 2016, but the company anticipates no difficulty in paying this note on its due date. Brown explained that Bradburn’s cash-flow problems are due primarily to the company’s desire to finance a $300,000 plant expansion over the next 2 fiscal years through internally generated funds.
The commercial loan officer of Topeka National Bank requested the financial reports (balance sheet and income statement) for the last 2 fiscal years. See the Excel template for these reports.
Using this Excel template, provide the following information. Be sure to include formulas for the cells that are labeled formulas. Be sure all amounts are linked to the proper cells:
Compute the following items for Bradburn Corporation:
Current ratio for fiscal years 2014 and 2015.
Acid-test (quick) ratio for fiscal years 2014 and 2015.
Inventory turnover for fiscal year 2015.
Return on assets for fiscal years 2014 and 2015. (Assume total assets were $1,688,500 at 3/31/13.)
Percentage change in sales, cost of goods sold, gross margin, and net income after taxes from fiscal year 2014 to 2015.
Identify and explain what other financial reports and/or financial analyses might be helpful to the commercial loan officer of Topeka National Bank in evaluating Daniel Brown’s request for a time extension on Bradburn’s notes.
Assume that the percentage changes experienced in fiscal year 2015 as compared with fiscal year 2014 for sales and cost of goods sold will be repeated in each of the next 2 years. Is Bradburn’s desire to finance the plant expansion from internally generated funds realistic? Discuss.
Should Topeka National Bank grant the extension on Bradburn’s notes considering Daniel Brown’s statement about financing the plant expansion through internally generated funds? Discuss
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https://www.youtube.com/watch?v=lBEDoPb6os8 watch that video and answer the question from it
Confucianism and China today
.As you have learned, Confucianism is the philosophy introduced thousands of years ago.
In this discussion, please discuss the following questions:
(1) which part of Confucianism do you think still fits contemporary China and should be practiced. Please give an example to explain.
(2) which part of Confucianism do you think does not fit contemporary China and this outdated part should be abandoned. Please give an example to explain
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Student teams will have run their respective companies for a period of 10 years. They are now being asked to report on their performance over the past 10 years to their shareholders and present their plan for the next five years in support of being rehired as the management team for the next 5 years.
Submission Instructions
Your written submission should be prepared in the format of an annual report that would be provided to shareholders. The goal is to prove yourself effective managers so that you will be rehired for the next 5 years. If you have had good performance over the past 10 years, tell the reader what you are going to do to maintain and perhaps improve. What are the opportunities and threats as you see them? If you have not had great success over the past 10 years tell your shareholders what you have learned and what you will do differently in the next 5 years that would convince them that they should rehire you. Use graphs and tables to present information more clearly and concisely for the reader. Your report should not exceed 30 pages inclusive of all tables, exhibits, and covers. Grammar and spelling count and all referencing, if external materials are used, should be in APA style format.
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Read Each Thread and Reply with your thought. The replies must be at least 250 words each. eEach reply must incorporate at least one scholarly citation(s) in APA format. Any sources cited must have been published within the last five years. Acceptable sources include the most current sources you can find which likely means the Internet. Make sure to cite all facts in text.
Thread 1
At the service center I worked at a few years ago, I had a Lear 60 come in for a bunch of inspections and discrepancies. One of the discrepancies was regarding the windscreen heating system. The write-up was very vague simply stating, “The co-pilots windscreen heat does not work.” Sure enough, I powered the airplane up, and found that the co-pilots windscreen did not heat when the windscreen heat switch was selected on. I also checked the pilots side windscreen and found that it heated appropriately when selected on. Therefore, I had a least isolated it to the co-pilot’s side only, I had completed step 1: define the problem. I then moved to step 2: Collect information regarding the problem. I accessed several components and wiring, and took voltage and continuity readings. I then moved to steps 3 through 7: Analyze the data, determine sufficiency of information, propose a solution, test the solution, and implement the repair (Mostia, 2006).
According to Mostia (2006) “You might propose solutions in the order of the easiest to the most difficult.” Since some components in an aircraft are very difficult to access, this is often the approach I use. If one part is easy to access and check, I will often start there, and work my way up or down the system, depending on my findings. I used that method in this case.
Lear 60’s operate off of a 28-volt direct current electrical system. However, the windscreens have inverters in their system that convert the 28-volt direct current into alternating current. There are two, basically identical windscreen heating systems, one for the co-pilot’s windscreen and one for the pilot’s windscreen. The components of the system include the direct current power supply, coming off a main power buss, a 100-amp fuse located next to the power supply, a relay, a control switch in the cockpit, a 5-amp circuit breaker for the control circuit, an inverter, associated wiring for the direct current side of the system, and wiring that carried the 110-volt alternating current from the inverter up to the windscreen. See the basic diagram I drew up at the bottom of this post for reference.
Effective troubleshooting is both an art and a science. According to McGowan and Coughlin (2016), “The “art” side of troubleshooting includes being a good listener, being observant, taking time to think over information, taking action, opening things up to look at them, and being willing to get dirty to get the job done. The science side includes doing calculations, testing the system, and comparing the results to what was expected in the design”. It is also important to avoid the “shotgun approach” As Mostia (2006) says, “Do not try several solutions at once. This is called the “shotgun approach” and will confuse the issue”. If you approach one problem from several different directions at the same time, you will lose track of what you have learned, and are likely to make mistakes leading to faulty conclusions.
Thread 2
One afternoon, U.S Coast Guard (USCG) 6014 came back from its afternoon patrol with an environmental control system (ECS) discrepancy. The 6014 is an MH-60T helicopter, manufactured by Sikorsky. The ECS is an air-cycle type control system, meaning it uses bleed air from an engine, auxiliary power unit (APU), or external air source to provide cooling for avionics and crew comfort. The air-cycle system in my opinion is easier to maintain and troubleshoot versus its vapor-cycle counterpart.
The ECS consists of an air cycle machine (ACM), water separator, heat exchanger, bleed air ducting, ECS controller, modulating valve, cabin temperature control valve, ECS control panel, and associated valves, sensors, and switches (U.S. G.P.O., 2012, p.163) The ACM is made up of a fan, compressor, and turbine, in which the ACM provides pressure and temperature stages of airflow. The water separator does what you would think, separates moisture from airflow in the final stage before flowing to the air ducts. The heat exchanger is made up of a primary and secondary units, which both are used to provide cooling in the air cycle system. The ECS controller is an electronic module that is essentially the brains, that takes inputs from automatic sensors and control valves to compensate for desired air temperature settings. The modulating valve is what is used to control the flow of the system, which is either “Norm” or “High.” The cabin temperature control valve is used to control cabin/cockpit temperature by mixing hot bleed air with conditioned air from the ACM. The ECS control panel is what houses all the operating controls for system.
Using the schematic provided by the USCG flight manual, you can follow along with the flow of operation. The system of operation starts with the air flow going from the air source through the modulating valve and then the flow limiting venturi. From there the air splits off and goes to the primary heat exchanger and the cabin temperature control valve. From the primary heat exchanger the airflow is partially cooled, and is sent to the turbine driven compressor of the ACM. The compressor boosts the bleed air pressure and temperature. The output airflow from the compressor is sent to the secondary heat exchanger for additional cooling. Airflow from the secondary heat exchanger is routed to drive the turbine wheel of the ACM. The turbine expands and cools the airflow before it is sent to the water separator. The water separator traps moisture fro the cool air flow. From there the dry cool air flows into the cabin ducting and cools associated equipment/personnel.
This particular discrepancy was that the pilot noticed that the air flow was stuck in “NORM”, and would not go into “HIGH.” The pilot also mentioned that the discrepancy remained whether it was in manual or automatic control. Using the 7-step troubleshooting process found in chapter 4 of our textbook, can you please help me solve it? Remember what Mostia said, “While some argue that troubleshooting is an art, in fact, successful troubleshooting depends more on logic and knowledge” (2006, p. 16) Thanks in advance for the help
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General Information and Submission Instructions Due Date: Tuesday 21st September 2021at 9am Weighting: 50% Time limit: 10 minutes maximum (+/- 10%, i.e. 1 min either way), 10 PowerPoint slides (9 for content, and 1 for your reference list). You also need to include your notes under the slides, however, these will NOT be marked. Please note we will NOT mark slides exceeding the above limit.
Submission Instructions: You are required to submit your PowerPoint slides and recording into the Assessment 1 Turnitin dropbox located on your campus specific tile on LEO. Feedback and marks will be provided via the same dropbox. You must record your presentation as a -Recorded PowerPoint- presentation. You must use PowerPoint rather than other presentation recording programs such as ‘Prezi’ or ‘Apple Keynote’ More information will be uploaded onto LEO, and a demonstration will be provided during the national pre-recorded lecture about the assessment in week 4.
Assessment 1 Case Study Information Mr Vinh Nguyen Mr Vinh Nguyen is a 48-year-old male, who emigrated from Vietnam over 30 years ago. He currently lives with his mother-in-law and son (age 21) in the Inner West City of Sydney. Mr Nguyen presented to his GP clinic following a fall in his kitchen this morning, after becoming “lightheaded and dizzy while making breakfast”. Following the review of his laboratory tests and assessment results, Mr Nguyen has been diagnosed with Type 2 diabetes mellitus. He has since been referred to you, the practice nurse, for a care plan to manage his condition and improve his overall health. Based on the information provided in this case study, you are required to present your oral assessment using the guidelines below. Please ensure you go to the next section for more information about Mr Nguyen. GUIDELINES FOR STUDENTS The key components of Assessment 1 are: • Step 1 and 2: Consider the patient situation and identify the key elements of assessment by: o developing and presenting a concept map of Mr Nguyen and his situation; o discussing in detail, the pathophysiology of the disease and how Mr Nguyen’s signs and symptoms reflect the underlying pathophysiology; o identifying the key elements including new and current information; o Including evidence to support the content of your concept map. • Step 3 and 4: Process patient information, identifies relevant activities of living impacted, and identifies nursing issues for the patient: o Interpret and analyse the information you have been given about his condition; o Identify and prioritise 3 nursing issues you must address for Mr Nguyen, and justify why they are priorities and support your discussion with evidence; o discuss the potential impact of the disease on Mr Nguyen’s 3 most important activities of living. Link your discussion to the Roper-Logan and Tierney model. • Steps 5 and 6: Establish goals and take action: • Identify 3 SMART goals with comprehensive discussion of the desired outcome, within a suitable time frame; • Identify interventions to achieve the above goals. The interventions should: • be both nursing and patient based; • consider both pharmacological and non-pharmacological management; • recognise strategies to empower and education Mr Nguyen to take initiative to alter his lifestyle factors • Steps 7 and 8 – Evaluation and Reflection: • Consider what strategies/aspects would determine that the patient and nurse interventions have been successful or effective for Mr Nguyen? • Include your conclusion here, and part of that should include an overall statement of what have you learned from doing this case study (what has been learnt, what went well, and what could have been improved)
Case Study – Mr Vinh Nguyen Mr Vinh Nguyen – Case Study Information You have been provided with the following case study about Mr Vinh Nguyen, who presented to his GP clinic following a fall in his kitchen this morning, after becoming “lightheaded and dizzy while making breakfast”. Mr Vinh Nguyen is a 48-year-old male, who emigrated from Vietnam over 30 years ago. He currently lives with his mother-in-law and son (age 21) in the Inner West City of Sydney. His wife passed away 6 years ago due to complications from lung cancer. Mr Nguyen works full time as a civil construction labourer and is currently working overtime most weekends, averaging 50 hours/week. He states that he “needs the extra income to support his son, who lost his job due to COVID-19”. He has been feeling dizzy and lightheaded now for a few days, but this morning was the first time he had fallen over. He had been feeling more fatigued over the past few weeks, but attributed this to his long working hours, as well as “being up all hours during the night to urinate”, which was impacting on his sleep. He smokes 3 packs of cigarettes per week, and drinks 2 beers every evening with his dinner as this is the “only way he can relax”. Recently, he has taken to drinking more beer in the evenings as he “was always feeling so thirsty, and only beer could quench this thirst”. Due to his long working hours, and as his mother-in-law and son cannot cook, the family eat takeaway 6 times/week and then go to his sister’s house for dinner every Sunday. He has a past medical history of gout, asthma, and hypothyroidism, for which he is on daily thyroxine hormone replacement. He is currently awaiting a sleep study for possible Obstructive Sleep Apnoea (OSA). Following the review of his laboratory tests and assessment results, Mr Nguyen has been diagnosed with Type 2 diabetes mellitus. He has been prescribed metformin 500mg BD, with a review of dosage scheduled for 4 weeks’ time. He has since been referred to you, the practice nurse, for a care plan to manage his condition and improve his overall health. Family history: • Father passed away in 2015 due to an AMI. • Mother had lung cancer in 2017 and is in remission currently. She resides in Vietnam. Medications: • Thyroxine 100mcg daily • Salbutamol 2 puffs PRN • Budesonide 500mcg daily • Allopurinol 500mg daily • Ibuprofen 400mg PRN for gout attacks Current vital observations: • BP 102/65 mmHg • HR 106 bpm • RR 20 bpm • SpO2 98% on RA • T 36.7C Health assessment findings: • Height 1.6m, Weight 90kg, excess abdominal fat evident. Waist circumference 105cm • Total cholesterol level – 9.2mmol/L • Current BGL – 23.5 mmol/L (last meal 6 hours ago). No blood ketones present • Urine dipstick showed glucose, no ketones • Alert and orientated to time, place, and person. GCS 14 • Cool, dry hands and feet. Dry mucous membranes • CRT 3 seconds
Concept Mapping CONCEPT MAPPING Step 1 and 2 of the assessment task requires you to create a concept map outlining the patient situation and identify the key elements of assessment. A concept map is a diagram that depicts suggested relationships between concepts. Concept maps are generally used to organise and structure knowledge. A concept map typically represents ideas and information as boxes or circles, which it connects with labeled arrows, often in a downward-branching hierarchical structure. The relationship between concepts can be expressed using linking phrases such as -causes-, -requires-, -such as- or -contributes to-. Please refer to the following resources for some examples of concept maps, and also consider the concept maps you have created in your tutorial classes to guide you with the development of the concept map for this assessment. https://learningcenter.unc.edu/tips-and-tools/using-concept-maps/
Tips and Advice for Success GENERAL TIPS AND GUIDELINES Discussion and using Evidence: • There is much further depth required to meet the criteria on rubrics when you are being asked to critically discuss and critically analyse. This moves beyond merely ‘describing’ events or processes and requires you to make much deeper links that are supported by theory and evidence-based literature. o For example, you may include the pathophysiology of a disease process, but unless you can explain the link between the patient and their conditions, this does not demonstrate sufficient critical analysis or understanding • Your discussion needs to utilise high quality academic sources to support your arguments (such as journal articles), and refrain from using consumer websites Slides: • Avoid text heavy slides which can detract from the meaning being presented on the slide. Stick to your main points (e.g., 3-5 points per slide), and verbally explore the points further. • Try to use diagrams, pictures/images or schematics which can break the slides up, as well as aid visual learners. However, images used need to be relevant to the discussion • Ensure all slides and diagrams are referenced using in-text citation • Consider the use of an appropriate font type, colour and size to ensure ease of reading for the audience. • Proof read your work for grammatical errors, spelling mistakes or issues with punctuation. Remember, this is a piece of academic writing and needs to be at a high standard. Oral presentation: • Avoid simply reading from your notes/slides • Ensure your discussion flows logically, i.e. you should still introduce your presentation, the discuss your main arguments and then finish off with a conclusion • Be succinct but include everything that you need to include. Remember, you have a time limit and you do not get the option to deliver your information in another capacity • Practice, practice, practice, and only start recording when everything is ready to go and you are confident
Please refer to the marking guide and rubric on page 13 of the NRSG265 unit outline for more information and guidance. If you have any questions about the assessment, please post a question under your campus tile -Ask the LIC- forum
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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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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 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
INTRODUCTION TO PUBLIC SPEAKING, PREPARING THE SPEECH, ANALYZING THE AUDIENCE
Assignment Overview
Take the time to think about your past speaking experiences. Were you nervous? What helped you get through this experience? Let’s write about it and discuss it.
Case Assignment
After reading and viewing the assigned material for Module 1, write a well-organized and well-supported essay in which you respond to the following:
Share your public speaking experiences over the years—from childhood to the present day. Consider your experiences in front of an audience. This may include presentations, speeches, performance, theater, teaching, etc. Is speaking in public a talent of yours or is it outside of your comfort zone? Consider why you feel the way you do. What do you like or dislike about your voice, your delivery, your mannerisms, and non-verbal communication?
Address also your role as an audience and listener. What sort of public speaking, presentations, life performances, etc., do you enjoy or not enjoy?
A well-organized essay has a beginning, middle, and an end. The last sentence of the introduction is the thesis statement. The thesis states the main point of the essay.
A well-supported essay includes supporting points, details, and examples. Each body paragraph should have a topic sentence that states the main point of the paragraph and guides your reader through the essay.
The conclusion typically summarizes the main points of the essay and closes the essay with a lasting impression.
Be sure to proofread your essay and edit for proper grammar, punctuation, diction (word choice), and spelling.
Papers must be double-spaced in Times or Times New Roman font (12 cpi) with standard one-inch margins.
For this module’s Case, you may obviously write in the first person “I” as it is based on personal experience, although first person is not normally used in a formal essay.
Assignment Expectations
Write an informative essay (no less than two pages in length) outlining your background and feelings on public speaking, including a self-reflection on your own public speaking skills.
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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 Share your public speaking experiences over the years—from childhood to the present day..
INTRODUCTION TO PUBLIC SPEAKING, PREPARING THE SPEECH, ANALYZING THE AUDIENCE
Assignment Overview
Take the time to think about your past speaking experiences. Were you nervous? What helped you get through this experience? Let’s write about it and discuss it.
Case Assignment
After reading and viewing the assigned material for Module 1, write a well-organized and well-supported essay in which you respond to the following:
Share your public speaking experiences over the years—from childhood to the present day. Consider your experiences in front of an audience. This may include presentations, speeches, performance, theater, teaching, etc. Is speaking in public a talent of yours or is it outside of your comfort zone? Consider why you feel the way you do. What do you like or dislike about your voice, your delivery, your mannerisms, and non-verbal communication?
Address also your role as an audience and listener. What sort of public speaking, presentations, life performances, etc., do you enjoy or not enjoy?
A well-organized essay has a beginning, middle, and an end. The last sentence of the introduction is the thesis statement. The thesis states the main point of the essay.
A well-supported essay includes supporting points, details, and examples. Each body paragraph should have a topic sentence that states the main point of the paragraph and guides your reader through the essay.
The conclusion typically summarizes the main points of the essay and closes the essay with a lasting impression.
Be sure to proofread your essay and edit for proper grammar, punctuation, diction (word choice), and spelling.
Papers must be double-spaced in Times or Times New Roman font (12 cpi) with standard one-inch margins.
For this module’s Case, you may obviously write in the first person “I” as it is based on personal experience, although first person is not normally used in a formal essay.
Assignment Expectations
Write an informative essay (no less than two pages in length) outlining your background and feelings on public speaking, including a self-reflection on your own public speaking skills.
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Using what has been covered throughout the course, select a case study of a criminal trial (within the past 15 years) that was ultimately decided based on forensic evidence (physical or digital). Please include the following information in your case study response.
(The Casey Anthony Trial)
Summarize the details of the case.
Explain what evidence was found and how that evidence was collected, examined (processed), and assessed by experts. Include information about why the forensic evidence was important in the case and what current trends in forensics were used when collecting and examining the evidence.
Provide your analysis of the case and what could have been done differently regardless of the outcome (guilty, acquitted, or found innocent).
You should use at least two resources to develop this case study assignment, one of which can be your textbook. Your case study must be at least three pages in length.
Course Textbook: Saferstein, R., & Roy, T. (2021). Criminalistics: An introduction to forensic science (13th ed.). Pearson. https://online.vitalsource.com/#/books/9780135268407
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Enjoy Please Note-You have come to the most reliable academic writing site that will sort all assignments that that you could be having. We write essays, research papers, term papers, research proposals select a case study of a criminal trial (within the past 15 years) that was ultimately decided based on forensic evidence (physical or digital)