Saturday, December 28, 2019
How to Fix a Database Connection Error
  You use PHP and MySQL together seamlessly on your website. This one day, out of the blue, you get a database connection error. Although a database connection error could indicate a bigger problem, it is usually a result of one of a few scenarios:          Everything Was Fine Yesterday      You could connect yesterday and havent changed any code in your script. Suddenly today, its not working. This problem probably lies with your web host. Your hosting provider may have the databases offline for maintenance or because of an error. Contact your web server to see if that is the case and, if so, when they are expected to be back up.          Oops!      If your database is on a different URL than the PHP file you are using to connect to it, it could be that you let your ââ¬â¹domain name expire. Sounds silly, but it happens a lot.          I Cant Connect to Localhost      Localhost doesnt always work, so you need to point directly to your database. Often its something like mysql.yourname.com or mysql.hostingcompanyname.com. Replace localhost in your file with the direct address. If you need help, your web host can point you in the right direction.          My Host Name Wont Work      Double-check your username and password. Then, triple-check them. This is one area people often overlook, or they check so quickly they dont even notice their mistake. Not only do you need to check that yourà  credentials are correct, you should also make sure you have the correct permissions required by the script. For example, a read-only user cant add data to the database; write privileges are necessary.          The Database Is Corrupt      It happens. Now were entering the territory of a bigger problem. Of course, if you keep your database backed up regularly, youre going to be all right. If you know how to restore your database from a backup, by all means, go ahead and do it. However, if youve never done this, contact your web host for help.          Repairing a Database in phpMyAdmin      If you use phpMyAdmin with your database, you can repair it. Before you begin, make a backup of the databaseââ¬âjust in case.         Log in to your web server.Click the phpMyAdmin iconChoose the affected database. If you only have one database, it should be chosen it by default.In the main panel, you should see a list of the database tables. Click Check All.Choose Repair Table from the drop-down menu.    
Thursday, December 19, 2019
Explore How Stevenson Creates a Sense of Intrigue and...
  ââ¬ËExplore how Stevenson creates a sense of intrigue and engages the readerââ¬â¢s interest in Dr Jekyll and Mr Hyde.ââ¬â¢  The Strange Case of Dr Jekyll and Mr Hyde was written by Robert Louis Stevenson in 1886. This book is a classic and has been very successful; therefore it has been turned into several films and theatre productions. The book seizes the readerââ¬â¢s attention and gets straight into drama and action, making it hard to put down.  This well thought out and complicated book touches on many topics and themes. There are many reasons why Stevenson has done such a good job of making it very hard to put down this novel, for example, Stevensonââ¬â¢s strong characters, the setting, the plot, how the book is written and the several themes.  There areâ⬠¦show more contentâ⬠¦From this description of Mr Utterson, we get a real sense of who he his and how he is a strange and lonely character. Stevenson has been clever the way he worded his description, because he has used alliteration which creates a certain effect and mood. ââ¬ËLean, long, dusty dreary.ââ¬â¢ Stevenson has also used hard sounding words which grab the attention of the reader.  Stevensonââ¬â¢s characters are not normal, average characters; they are strange, or evil with secrets. Therefore making the reader want to find out the secrets of the characters and what they may be hiding. The theme isolation and loneliness creates mystery for the reader and the reader knows that Utterson is lonely for a reason, so this encourages the reader to find out in depth what the character has been through.  The setting relates to the genres and themes and also intrigues the reader to read on as the setting creates the mood for what is going to happen next. For example there are lots of descriptions of the weather, particularly in chapter four. Stevenson describes the weather, as ââ¬Ëa fog rolled over the city in the small hours, the early part of the night was cloudless, and the lance was brilliantly lit by the full moonââ¬â¢. Stevenson has set chapter four at night, as night is the scariest and gothic time and particularly with a fog, as it makes it hard to see any faces, which could be    
Wednesday, December 11, 2019
Financial Planning and Forecasting Official e-mail - Free Solution
  Question:  Discuss about the Financial Planning and Forecasting for Official e-mail.    Answer:    a)  Before the first meeting the financial planner executives has to fix the time and place of the meeting with the clients via telephone or official e-mail. After fixing the meeting time the executive has to maintain requisite discipline and punctuality and attend the meeting on scheduled time so that improve the perceptions of the clients on the financial planner executive and the company which he/she represent as people like the people who maintain discipline and punctuality. In the first meeting with the clients the financial planning executive has to produce his/her business card and valid identity proof in order to achieve the trust of the client so that the executive can improve his/her trustworthy in front of the client.  b)  The clients should be instructed to prepare with the information on the their prior investments schemes with proper documentations. Besides this, the investment queries must be prepared from the client side.  c)  The financial planner has to explain in detail about the financial planning services offered by the Mentor Financial Planning Pty Ltd. Besides this, he/she can produce the itinerary of the company to the clients so that the client can depend on him/her and on the Mentor Financial Planning Pty Ltd. Besides this, some personal inputs may enhance the relationship with clients.  d)  In order to make effective financial planning, the financial planner has to go through the following:  Determination of the current financial position of the client  Development of the financial goals  Identification of substitute course of action  Evaluation of the substitutes  Creation and implementation of a plan for financial action  Reevaluation and revision of the prepared plan  e)  The financial planner executive have to produce his/her detail like the detail of the company he/she represent, here as per the case study, the company is:  Mentor Financial Planning Pty Ltd  ABN 99 109 240 897  AFSL xxxxxx  Level 2, Suite 2  349 Collins Street  Melbourne Vic 30000  Besides this the executive Business card with the name and ASIC Authorization Representative Number will be produced to the client.  Besides this, the executive also provide the information of his financial background such as his qualification for providing such types of services, his experiences, etc will improve the trust of the client on the executive.  f)  The company is authorized to give advice on financial product as well as arrange the following services:    Effective risk management services as well as protection of asset.  Economizing and redundancy advice  Strategies for wealth creation  Guidance for accessing direct share  Social security    Besides this, the company provides general advice as well as personal advice.  g)  The executive would tell the client about his academic background along with the experiences in the financial planning field besides this, he/she can share about his/her family and personal experience in order to make good rapport with the clients.  h)  The company charges the fees on the basis of the time spend for developing the plan for the clients.  Alternatively the company may receive payment on the cost of the investment done by the clients as a brokerage.  i)  The executive has to ask the client on their understand about the fee structure of the company for providing financial advice and if the clients have any queries then it is the responsibility of the financial planner to explain the clients clearly about the fees structure of the company.  j)  (i) In case of the client do not understand English properly then the financial planner has to take help from a interpreter who will translate both parties languages so that they can understand correctly what they want to say.  ii) In this case the financial planner executive should avoid to advice.  iii) In this types of situation the financial planner has to use his/her efficiency so that effective advice can be given.  iv) Try to balance the financial situation.  v) If the clients are disabled then the financial advisor must take extra care of the clients.  Vi) The executive has to be sympathize to the cultural background of the clients.  vii) The age related need must be given to the client by the financial planner.  k)  The three steps that your client should take if they have a complaint or dispute prior to contacting the ASIC are as follows:-    Step 1- Contact the business with your complaint    This step provides on spot solving of problems that are provided by the client. If this step of provides unhappiness regarding the problem solved, and then the client prefers the next step that is the step 2.    Step-2- Further taking your complaints    This step provides the views regarding the problem solved with thereby launching an email with appropriate heading and title of the problem faced with the contact details. The original copies of the invoices must be provided for solving the problem. If the client does not receive the solution during the reasonable time period or the response accordingly then the client must prefer the process of step 3.    Step-3- Contact an external dispute resolution schemes    For the resolution of these types of dispute, the EDR schemes must be followed by the client and for these the complaints are heard for free with providing the solutions for the problems mentioned.    Personal Details  (a) Contact details           DETAILS      CLIENT 1      CLIENT 2      Mark          1. Title:                            2. Given Name:      Donna      Dennis                3. Preferred Name:      Donna      Dennis                4. Surname:      Barker      Barker                5. Date of Birth:                            6. Marital Status:      Married      Married      / 1                    Home Address:      Address:    Suburb/Town:  State: Postcode:                Home Telephone No.                      Preferred Contact No.             /1            (b) Child / dependant details             Name:      Megan                         / 1          Relationship:      Daughter                             Date of Birth:                                  Current Age:                                  Financially Dependent:      No                            (c) Financial arrangements involving siblings, parents or others           Name:                              / 1          Relationship:                                  Financial Arrangement                                  Date Commenced:                                  Amount of Money:                                  (d) Relationship history involving financial implications          According to the case, there is no previous marriages and history involving financial implications.           / 1          (e) Health details          Do you Smoke:      No      / 1          State of Health:      Excellent          Are you aware of any health issues that may impact your ability to earn an income? (please provide details)      No, there is no health issues that will impact my ability to earn an income           Work Details  (a) Other personal financial arrangements             Donna and Dennis earns salary from their jobs and has no other personal financial arrangements      / 1           (b) Investment Experience           CLIENT 1      CLIENT 2      Mark            Donna paid annually an amount of $17,000 into her superannuation fund as the personal contribution.          Dennis has superannuation savings of amount $51000 held within PP superannuation fund.       / 1           (c) Acting as guarantor          No       / 1           (d) Employment details                 CLIENT 1      CLIENT 2      Mark          1. Employment Status:        Full Time Employed           Full Time Employed                2. Employer Name:      Best Marketing      Newbolds Pty Ltd      / 1          3. Position Title:                  / 1          4. Primary Duties:                            5. Work Address:                            6. Work Phone No.:                            7. Previous Job                            8. Employment Security:      Yes      Yes      / 1          9. Are you contemplating leaving your employer?                            10. Do you foresee any substantial change in your income in the next 2-5 years?      Yes      Yes       / 1          Notes:                   (e) Previous financial history                 Mark          Do you have a previous financial history such as:   Bankruptcy;  No   Refusal of credit: No            / 1             f) Estate planning issues                   CLIENT 1      CLIENT 2          Do you have a current Will?      No      No          Date of Will / Last Reviewed:      No / /      No  / /          Power of attorney      No      No          Type / Name of Attorney?                      Do you have Funeral Plans?      No      No          Do you have any specific intentions regarding your estate distribution?      No      No            g) Retirement planning             Retirement Details      CLIENT 1      CLIENT 2          Planned Retirement Age:      53      52          Retirement Income required:      $90,000 (todays dollar)      $45,000          After retirement, do you intend to work again either on a full-time or part-time basis?      N0      Yes  Expected Income  $: $25,000  Till age: 65          What capital expenses will you have in retirement? (Please state expense and value)          $40,000          $40,000          Would you like some assets left to your estate? (Please detail)      No      No          Special Needs  a)          Special Needs      Description          a deficient in English      No, the client does not have any problem regarding the need mentioned.          variety of products and services outside authority      Yes, the service varies according to the demand made by the client.          complex estate planning situations      No, simple estate planning situations.          unbalanced financial situations      No, the client is provided with the simple and the biased financial situation          a disability        No, the ability is created for the changes          needs of different cultural backgrounds      No           age related needs (i.e. very young or older age groups)      Yes, the needs vary dependent on the age group.          (b) Other adviser details  Accountant           Name:      Alex Mentor          Company:      Mentor Financial Planning Pty Ltd, ABN No. 99 109    240 897, AFSL No. xxxxx. Level 2, 349 Collins Street,    Melbourne, VIC 3000          Contact Detail:      Phone: 1300 306 146    Fax: 03 9614 1807.          Client expectations, priorities and objectives  Client expectations and requirements           Description          Reasons for seeking financial advice:  o Relatively small amount,  o Simple financial strategy,  o Limited or preset range of product      o Product specific advice and/or service,  o Comprehensive financial planning,   o Portfolio advice, or  o Product specific advice and/or service          Explain:  The descriptions consist of the advices which the client expects for the financial planning process. It must be executed for the enhancement of the portfolio advices and thereby the comprehensive financial planning with appropriate services can be executed.           (b) Client priorities   For example, current income needs, retirement income needs, diversification, tax minimisation, capital growth, investment security, wealth creation, eliminate mortgage etc          Description          The client specially demands to get an appropriate retirement plan so that they can live life freely without any tension. The clients priorities consists of the current income needs with respect to the retirement needs must be fulfilled with the process of tax minimization and appropriate wealth creation.           (c) Client objectives           i. Short Term (1 to 3 years)          The objective is to invest into different saving schemes such as Superannuation Fund           ii. Medium Term (4 to 7 years)            To manage the funds and assets for future purpose.            iii. Long Term (7 year plus)            The main objective of the client is to utilize saved money and invest in bonds and shares.             (a) Lifestyle Assets           Asset      Owner      Date Acquired      Purchase Price      Current Value      CGT Impact      Debt      Net Value      Mark          Principal Residence:      Joint          750,000        130,000      620,000       / 2          Contents:            50,000          50,000            Motor Vehicle(s):                          Caravan, Boat, Trailer:                          Investment Property:                          Other:                          Total            840,000          710,000            Mark                          (b) Investment Assets           Asset      Reference Number      Owner      Date Invested      No of Units      Purchase Value      Current Value      Retain Yes/No      CGT Impact      Debt      Net Value      Mark                                / 4          Bank Account        Joint            9000      Yes          9000            Term Deposit        Joint            12000            12000            Cash management fund        Joint            12000            12000            Total                36000            36000            Mark                                (c) Liabilities             Finance Provider      Owner      Guarantor      Date Commenced      Repayment Amount      Repayment Frequency      Interest Rate      Balance      Mark          Home Loan:                    130000      / 2          Investment Loan:                            Personal Loan:                            Credit Cards:                            Other:                            Total                            (d) Total Gearing (Lending to Valuation Ratio) Total Liabilities _____130000________ / Total  Assets  __746000___________ = __17.42___________%  Income details          Income:                Investment Income:      504800      53040            Centrelink Income:                Pension/Annuity Income                Other Income:      30000      10000             Less Income Tax      -160440      -1328             Less Medicare Levy      -10696      -1260            Add Low Income Tax Offset                Total Tax                Total Net Income      363664      60452            Marginal Tax Rate      30      21      / 10           (b) Expense details             COMBINED      Mark          Food:        / 3          Entertainment:              Transport/Vehicle:      40000            Council Rates:              Amenities:              Rent:              Mortgage Repayments:      130000            Other              Total Net Expenses      170000            (c) Surplus disposable income             COMBINED      Mark          Annual:      135000      /2          Monthly:      11250            Superannuation and Insurance arrangements   (a) Superannuation          Company      Policy No.      Employer/ Personal       Owner      Eligible Start Date      Contribution   Rate/ Amount      Current Cash Value      Mark          Best Marketing                                    220000      / 2          Newbolds Pty Ltd                                    51000                                                                                                                                                                                                                                                                                              (b) Insurance within superannuation           Do any of the above policies have insurance attached?      Yes            / 1          Are any of the above policies preserved?            No          As a tax deduction been claimed for part/all?      Yes                Are there any exit fees applicable?            No          (c) Leave payments           Type      Expected Receipt Date      Anticipated Amount                      / 1          Annual:                      Long Service:                      Other:                      Have you recently received a redundancy package?            No          If you have recently received a redundancy package, please provide notice of payments.           (d) General insurance           Insurance Description      Policy Number      Owner      Date Commencement      Sum Insured      Premium Payable      Maturity Date                  / 1          TPD insurance                                                                                                                                                                                                                                               Generic Needs      Current Financial Position/Requirements      Marks          1. Assets      The asset value shows strong financial position of the client      / 1          2. Tax Minimization      The tax has to the paid as per the income tax law      / 1          3. Income      The income of the clients has increased which is good        / 1          4. Superannuation      The clients are getting returns from the funds      / 1          5. Expenses      The clients are having high expenses that need to be manage      / 1          6. Debt Reduction      The liabilities of the client are not so high        / 1          7. Investment Planning      The investment planning of the clients are appropriate        / 1          8. Wealth protection      The deposits in banks and saving plans will help to increase funds        / 1          9. Estate Planning              / 1          10. Business Planning            / 1           Risk, fraud and conflict of interest assessment           Risk and Fraud indicators      Comments        Mark          1. Conflict of interest risk Eg. Is this client involved in a financial dispute with another client of the licensee?        No, the client is not involved in any financial disputes.          / 2          2. Cost/profit risk Eg. Is there a cost or profit risk to the business in providing advice to the client?      No there is no profit or cost risk to business in providing advice to the client          3. Credit risk Eg. Has this client ever been declared bankrupt?      No, the client never been declared bankrupt          4. Insurance risk Eg. Has this client previously made a claim on insurance that was declined?        No, the client does not made a claim on the insurance that was declined            5. Litigation risk Eg. Is the client involved in any legal litigations?        No the client is not involved in any legal litigation            6. Opportunity risk Eg. Is there a risk that a better opportunity will present after a decision has been made?        Yes, there can be risk if there is a better opportunity for the client. It may affect their financial position          7. Product satisfaction (value) risk Eg. Is there a risk that products recommended will contradict instructions given by the client?        Yes, there can be risk, if the product contradict instruction given by the client          8. Regulatory risk Eg. Will the client act all times within legal boundaries?        Yes, the client will act all times within the legal boundaries          9. Relationship risk Eg. Has this client entered into a relationship with another financial adviser?        No, the client never client entered into a relationship with another financial adviser          10. Reputation risk Eg. Does this person have a media profile and involved in a major litigation case?      No the client have no media profile and involved in a major litigation case           Identify concerns           Description      Mark          (a) How would you encourage your clients to express and clarify their expectations from the financial planning process?   The clients expression provides the information about the responses which determines the positivity or negativity as explained by the advisers regarding financial planning process.      / 2           Establish investment needs, preferences and priorities          Generic Needs      Requirements (e.g. Income and investment needs)      Preferences  (e.g. retain an emergency fund)      Team      Rank (1 to 5)          1. Assets      Investment needs      The asset value shows strong financial position of the client       Adviser        1          2. Tax Minimization      Income needs        The tax has to the paid as per the income tax law       Adviser        2          3. Income      Income needs        The income of the clients has increased which is good         Adviser        3          4. Superannuation      Investment needs      The clients are getting returns from the funds         Adviser        `1          5. Expenses      Investment needs      The clients are having high expenses that need to be manage         Internal        2          6. Debt Reduction      Income needs        The liabilities of the client are not so high           Internal        4          7. Investment Planning      Investment needs        The investment planning of the clients are appropriate         Adviser        3          8. Wealth protection      Investment needs        The deposits in banks and saving plans will help to increase funds         Adviser        2          9. Estate Planning        Investment needs             Specialist      2          10. Business Planning      Income needs             Specialist      2           Investor Risk Profile          1. If my investment value fluctuated more than 20%, I would find it hard to sleep at night.            Score            Client 1 Score      Client 2 Score      Joint Score          1      Strongly Agree                            2      Agree      31      33      64          3      Neutral                            4      Disagree                            5      Strongly Disagree                            2. I am willing to accept more risk to possibly achieve higher returns and reach my goals.            Score            Client 1 Score      Client 2 Score      Joint Score          1      Strongly Disagree                            2      Disagree      40      31      71          3      Neutral                            4      Agree                            5      Strongly Agree                            3. If you had an investment portfolio, how often would you re-arrange it?            Score            Client 1 Score      Client 2 Score      Joint Score          1      Any loss of value      24      21      45          2      Less than 3 years                            3      3  5 years                            4      Whenever my investments go up significantly                            5      5 years or more                                      4. I am willing to experience the ups and downs of the market for the potential of greater returns over the long term.          Score            Client 1 Score      Client 2 Score      Joint Score          1      Strongly Disagree                            2      Disagree                            3      Neutral      16      16      32          4      Agree                            5      Strongly Agree                                      5. Which of the following best describes your attitude to financial risk?            Score              Client 1 Score      Client 2 Score      Joint Score          1      A very low risk taker                            2      A low risk taker                            3      An average risk taker      24      24      48          4      A high risk taker                            5      A very high risk taker                            6. Which statement best describes your understanding of financial markets and investments?          Score              Client 1 Score      Client 2 Score      Joint Score          1                                2      I am not very familiar                            3        I have had enough experience to understand the importance of diversification      24      24      48          4      I understand that markets may fluctuate and that different market sectors offer different income growth and taxation characteristics                            5      I am experienced with all investment sectors and understand the various factors that influence performance.                                                              7. My main concern is security. Keeping my money safe is more important than earning high returns.          Score            Client 1 Score      Client 2 Score      Joint Score          1      Strongly Agree                            2      Agree      24      24      48          3      Neutral                            4      Disagree                            5      Strongly Disagree                                                              8. How do you normally feel after you have made a significant financial decision?            Score            Client 1 Score      Client 2 Score      Joint Score          1      Very Concerned                            2      Concerned      24      24      48          3      A little uneasy                            4      Content that Ive made the right decision                            5      Optimistic that the decision Ive made will provide substantial benefits                                      9. Investments that have experienced high volatility have generally compensated investors with higher returns over the long term. If you could invest in a portfolio between 10 and 20 years, which of the following would most suit you?          Score            Client 1 Score      Client 2 Score      Joint Score          1      A portfolio that may have a negative return every 15 years but a range between 0.2% and 9.1% pa.      24      24      48          2      A portfolio that may have a negative return every 8 years but a range between 1.1% and 12.01% pa.      0      0      0          3      A portfolio that may have a negative return every 5 years but a range between 2.5% and 15.3% pa.      36      36      72          4      A portfolio that may have a negative return every 5 years but a range between 2.9% and 16.3% pa.      25      25      50          5      A portfolio that may have a negative return every 4 years but a range between -4.2% and 18.9% pa.      25      25      50          Total Score      Client 1 Score      Client 2 Score      Joint Score      Mark          Add up totals for each question and write the total for each client or for joint as appropriate.      50      50      100      / 2          According to the information below, what is your clients risk profile?      60        60      120      / 2          Dennis and Donna Barker is a middle aged couple and the financial planning is done for them. It is a planning for the next seven year on behalf of the couple as well as this planning help them in retirement settling. Donna is 53 years old whereas Dennis is 52 years old and they are married for 29 years. Donna earns $90,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. Moreover, if she sacrifices her salary then she may build more handsome fund at the time of retirement. Besides this, she receives $17,000 for next 7 years. Her superannuation balance is $220,000as well as earns an average of 7%. She has $100,000 in term life.  Dennis earns $45,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. His superannuation saving is $51,000 and he get 4%.  Their home valued $750,000 and they have mortgage loan $130,000 and for the interest they have to pay 7% interest.  Their expense around $40,000/Year and they spent $10,000 additionally on holidays.  Standard of living assets          Asset      Owner      Value $      Liabilities $      Net asset value $          Home      Joint      750,000      130,000      620,000          Cars      Joint      40,000      Nil      40,000          Contents      Joint      50,000      Nil      50,000          Total      Joint      840,000            710,000          Investment asset          Asset      Owner      Value $      Return %      Liabilities $      Net asset value $          Bank Account      Joint      9,000      4      Nil      9,000          Term Deposit      Joint      15,000      4      Nil      15,000          Cash management fund      Joint      12,000      5      Nil      12,000          Total      Joint      36,000            Nil      36,000          Client Statement and Authorisation  We hereby declare that all the information provided in this form is true to the best of our knowledge.  We are not aware of any other information other than the information regarding the form provided. We have not disclosed this information to any other else other than the recommended mentor of Financial Planning Representative.  We have given permission for the usage of this information for the preparation of our financial plan and henceforth we understand the recommendations regarding the investment based on the solely information with providing investment recommendations.  We acknowledge that:-  We have received, read and understood the financial services guide before the advisory services are provided.  We permit this document to be passed in confidence to any member of Member Financial Planning Pty Ltd.  We have provided Limited Financial Information. We have limited objectives which can be advised on to:  Appropriate returns must be received during the time period  Tax must be reduced for the assets and the liabilities that are produced.  We have provided our tax file numbers which must be only held by the Mentor Financial Planning which must be forwarded to the financial institution.   Adviser Declaration   I declare that:  The information provided by the client are appropriate and correct for the record obtained from the clients  The clients are provided with a copy of the Financial Services Guides before the advisory information related to services are provided.  The clients information must be kept confidential and managed in accordance to the requirements under:  Consumer Affair Act  Consumer Credit Code  Industry Codes of Practices  Privacy Act  Setting the Standards of Companies Policies and Procedures  Alex Mentor          Advisers Signature            Date                Authority to Provide Information  Date: DD / MM / YY  To Whom It May Concern  Please accept this letter as our authority to provide all the necessary information for the documentation of the requisites for the Mentor Financial Planning or their representative __________________.  Please accept a photocopy of this letter, as original will remain in file at the office of Mentor Financial Planning.  Correspondence should be sent to  Level 2, 349 Collins Street  Melbourne VIC 3000  This authority should remain in force until withdrawn in writing by me/us.  Thank-you.            Client 1 Name        Donna        Signature                    Client 2 Name          Dennis        Signature                Client 1 D.O.B.        ___/___/___      Client 2 D.O.B.        ___/___/___              Address                   Client file checklist           Client Name      Dennis Barker  Donna Barker          Date of initial interview      02.09.16          Date Advice presented      16.09.16          Date of first transaction      19.09.16                          Actions/Documentation Obtained      Completed      Date          Data Collection Forms       Salary information,  Sala      Yes      02.09.16          Superannuation fund information      Yes      02.09.16          Other investment by the clients      Yes      02.09.16          Expenses of the clients      Yes      02.09.16          Supporting Documentation      Salary slip      Yes      02.09.16          Certificate of superannuation fund      Yes      02.09.16          Other investment document      Yes      02.09.16          Bank statement      Yes      02.09.16          Certificate of insurances      Yes      02.09.16          Certificate from capital management fund      Yes      02.09.16          Certificate of the mortgage loan      Yes      02.09.16              References  Elliott, B. and Elliott, J. (2008).Financial accounting and reporting. Harlow: Financial Times Prentice Hall.  Hillier, D. (2010).Corporate finance. London: McGraw-Hill Higher Education.  Holton, R. (2012).Global finance. Abingdon, Oxon: Routledge.  Spiceland, J., Sepe, J. and Nelson, M. (2011).Intermediate accounting. New York: McGraw-Hill Irwin.    
Wednesday, December 4, 2019
Liberty University Bibl 410 Genesis free essay sample
  Define Theistic Evolution. Theistic Evolution asserts that God ordered and directed the evolutionary process. He may have directly produced the first life forms but beyond that, He merely superintended the process of evolution. 3. Is the dating of Adam all that important? Explain your answer. No, I do not believe the dating of Adam is important because the exact date does not prove or disprove the creation of man. If it were important, God would have provided that answer in His Word. God provides all that answers we need to know in His word. 4. When was the origin of the ââ¬Å"soulâ⬠?  The origin of the ââ¬Å"soulâ⬠ comes back from the time when God first ââ¬Å"breathed life into Adamâ⬠ and he became living. 5. Explain how dust cannot be a symbol for animal life. Dust cannot be a symbol for animal life because it is inorganic material. Even when God had formed a human body from it, it was lifeless, as you will note, God had to ââ¬Å"breathe life intoâ⬠ it.      We will write a custom essay sample on  Liberty University Bibl 410 Genesis  or any similar topic specifically for you        Do Not WasteYour Time    HIRE WRITER  Only 13.90  / page       6. Which of the six marriage principles stands out the most to you and why? The sixth principal, ââ¬Å"man is the head; wife is the helperâ⬠ stands out to me most. The Bible gives an example of how marriage is a reflection of the relationship between God and Christ.  They are one unit, working as individuals towards Godââ¬â¢s ultimate glory. The wife submits herself to her husband as they work together to glorify God. 7. Who is the ââ¬Å"usâ⬠ referring to in 1:26? The ââ¬Å"usâ⬠ from Genesis 1:26 are referring to Holy Trinity; The Father, Son and Holy Spirit. 8. What is included in the phrase, ââ¬Å"the image of Godâ⬠? God has created man in His image ââ¬â Imago Dei. We are created in the image of God ââ¬â referring to His likeness and personality, not nessecarily His appeareance. 9. T/Fââ¬âAdam and Eve and all of the animals were vegetarians. Support your answer. I would say true.  Genesis 1:29-30 states ââ¬Å" And God said, Behold, I have given you every herb and bearing seed, in which is upon the face of all the Earth, and every tree, in which is the fruit of a tree yielding seed; to you it shall be for meat. â⬠ He said nothing about meat until later on in the Bible. 10. Where is the Garden of Eden located? The garden of Eden held the Tigris and Euphrates. There are several proposed locations of the site of Eden, all of which have evidence to support them. All that is known is that it is somewhere along these, where two other rives meet as well. 11. Explain the terms ââ¬Å"dominionâ⬠ and ââ¬Å"subdueâ⬠.  Dominion is a supreme authority or sovereignty recognizing Godââ¬â¢s ownership. Subdue is to conquer and being into subjection of dominion or a supreme or authoritive being or force. THE FALL OF MAN Bible Topics| * Temptation and Fall of Man| People to Know| Places to Know| Terms to Know| Lucifer (Satan, Devil)| | SubtilDepravityProtevangeliumDesireRule | Study Questions Answer the following questions (based on the reading), save it and then submit it to the professor. 12. T/Fââ¬âIt is impossible to understand the rest of the Bible without understanding Genesis 3. Support your answer.  True, Because Godââ¬â¢s plan of redemption fulfilled in Christ comes through this. 13. When did Lucifer fall? Lucifer fell when he desired to be like God. Who he was wasnââ¬â¢t good enough, he got greedy and wanted more self-glory. 14. List the doubts Eve began to have. Eve had doubts of Godââ¬â¢s Word. She doubted if God were telling the whole truth, she doubted whether God would follow through in the consequenses. 15. What does Davis say that seems to be a better translation for ââ¬Å"godsâ⬠ in 3:5? Why? Davis translation for ââ¬Å"godsâ⬠ in Genesis 3:5 is Elohim because it can be translated as God or ââ¬Å"godsâ⬠. 6. What is the sequence of the temptation and fall? The sequence of temptation is the lust of the Flesh. The second is the lust of the eyeââ¬â¢s, and the third is the pride of life. 17. Give an example of a wrong interpretation of what ââ¬Å"eating forbidden fruitâ⬠ means? Why should this interpretation be rejected? Some have said that    ââ¬Å"eating forbidden fruit fruitsâ⬠ is a parallel for sexual intercourse. This is rejected because God created male and female in compatability to be fruitful and multiply. 18. What is depravity all about? Depravity is about knowing evil but being unable to resist it. 9. What were Adam and Eve attempting to do when they made ââ¬Å"fig leavesâ⬠ clothes (other than covering their nakedness)? Adam and Eve were attempting to cover their shame of sin. 20. Where is the first mention of the virgin birth of Christ? The first mention of the virgin birth is in Genesis 3:15. 21. How is Godââ¬â¢s grace exhibited in this chapter? Godââ¬â¢s grace is exhibited in this chapter because he sought His creation, He promised a savior; He clothed His creation; and He removed the temptation of sin (the tree of knowledge of good and evil). 2. What does the term ââ¬Å"coats of skinâ⬠ (3:21) imply? Coats of skin imply the first sacrifice, substitutionary atonement. ââ¬Å"Without t   he shedding of blood in no remission of sinâ⬠ (Hebrew 9:22). 23. T/Fââ¬âMan having to work is a result of the curse. Support your answer. False, because man was already charged with keeping and caring for the garden which Adamââ¬â¢s labor had resulted in complete and unhindered productivity. The result of the curse was that work would become difficult and resistant.    
Wednesday, November 27, 2019
Rock Candy Crystals free essay sample
  Crystals are formed when atoms line up in patterns and solidify. There are crystals everywhere ââ¬â in the form of salt, sugar, sand, diamonds, quartz, and many more! To make crystals, you need to make a very special kind of solution called a supersaturated solid solution. Hereââ¬â¢s what that means: if you add salt by the spoonful to a cup of water, youââ¬â¢ll reach a point where the salt doesnââ¬â¢t disappear (dissolve) anymore and forms a lump at the bottom of the glass. The point at which it begins to form a lump is just past the point of saturation.  If you heat up the saltwater, the lump disappears. You can now add more and more salt, until it canââ¬â¢t take any more (youââ¬â¢ll see another lump starting to form at the bottom). This is now a supersaturated solid solution. Mix in a bit of water to make the lump disappear.      We will write a custom essay sample on  Rock Candy Crystals  or any similar topic specifically for you        Do Not WasteYour Time    HIRE WRITER  Only 13.90  / page       Your solution is ready for making crystals. But how? If you add something for the crystals to cling to, like a rock or a stick, crystals can grow. If you ââ¬Å"seedâ⬠ the object (coat it with the stuff you formed the solution with, such as salt or sugar), they will start forming faster.  If you have too much salt (or other solid) mixed in, your solution will crystallize all at the same time and youââ¬â¢ll get a huge rock that you canââ¬â¢t pull out of the jar. If you have too little salt, then youââ¬â¢ll wait forever for crystals to grow. Finding the right amount takes time and patience. Rock Candy Crystals Leave a Comment Crystals are formed when atoms line up in patterns and solidify. There are crystals everywhere ââ¬â in the form of salt, sugar, sand, diamonds, quartz, and many more!  To make crystals, you need to make a very special kind of solution called a supersaturated solid solution. Hereââ¬â¢s what that means: if you add salt by the spoonful to a cup of water, youââ¬â¢ll reach a point where the salt doesnââ¬â¢t disappear (dissolve) anymore and forms a lump at the bottom of the glass. The point at which it begins to form a lump is just past the point of saturation. If you heat up the saltwater, the lump disappears. You can now add more and more salt, until it canââ¬â¢t take any more (youââ¬â¢ll see another lump starting to form at the bottom).  This is now a supersaturated solid solution. Mix in a bit of water to make the lump disappear. Your solution is ready for making crystals. But how? If you add something for the crystals to cling to, like a rock or a stick, crystals can grow. If you ââ¬Å"seedâ⬠ the object (coat it with the stuff you formed the solution with, such as salt or sugar), they will start forming faster. If you have too much salt (or other solid) mixed in, your solution will crystallize all at the same time and youââ¬â¢ll get a huge rock that you canââ¬â¢t pull out of the jar.    
Sunday, November 24, 2019
Free Essays on Colonialism of Africa
Although there had been a British and greater European presence in Africa prior to the last two decades of the 19th century it was primarily coastal and revolved around the slave trade. With the abolition of the slave trade within the British Empire in 1803 and a complete abolition of slavery across the empire in 1834 there was little interest in Africa by Britain until the end of the century. This lack of interest in Africa did not include The Cape Colony though, which the British gained at the end of the Napoleonic Wars and which served a key role in outfitting ships on the British trade route to India.   	The role and importance of Africa to the British soon changed though do to imperial competition with France and Germany. Germany under the aggressive policies of Bismarck set out to take a leading role in Africa and catch up to other European powers such as Britain and France in terms of empire by gaining new control over territory and expanding their spheres of influence. Other important factors made Africa the hot spot for British and European expansion including the discovery of gold in the Transvaal and diamonds in the Orange Free State, the palm oil industry in Nigeria, scientific discoveries such as the way to treat malaria, and the mapping and exploration of the previously mysterious African interior early in the 19th century.  	 In order to explore the nature of British expansion in Africa Porterââ¬â¢s The Lionââ¬â¢s Share and T.O. Lloyds The British Empire 1558-1995 are indispensable texts. Using their information on British expansion throughout Africa as a foundation it becomes possible to break down the period of greatest growth between 1880 and 1900 by analyzing British role in Africa prior to 1880, the external roles that competitors such as Germany and France had in forcing Englandââ¬â¢s imperial hand coupled with the internal economic drives for procuring areas of Africa, and the special case and significance of the Cape Co...  Free Essays on Colonialism of Africa  Free Essays on Colonialism of Africa    Although there had been a British and greater European presence in Africa prior to the last two decades of the 19th century it was primarily coastal and revolved around the slave trade. With the abolition of the slave trade within the British Empire in 1803 and a complete abolition of slavery across the empire in 1834 there was little interest in Africa by Britain until the end of the century. This lack of interest in Africa did not include The Cape Colony though, which the British gained at the end of the Napoleonic Wars and which served a key role in outfitting ships on the British trade route to India.   	The role and importance of Africa to the British soon changed though do to imperial competition with France and Germany. Germany under the aggressive policies of Bismarck set out to take a leading role in Africa and catch up to other European powers such as Britain and France in terms of empire by gaining new control over territory and expanding their spheres of influence. Other important factors made Africa the hot spot for British and European expansion including the discovery of gold in the Transvaal and diamonds in the Orange Free State, the palm oil industry in Nigeria, scientific discoveries such as the way to treat malaria, and the mapping and exploration of the previously mysterious African interior early in the 19th century.  	 In order to explore the nature of British expansion in Africa Porterââ¬â¢s The Lionââ¬â¢s Share and T.O. Lloyds The British Empire 1558-1995 are indispensable texts. Using their information on British expansion throughout Africa as a foundation it becomes possible to break down the period of greatest growth between 1880 and 1900 by analyzing British role in Africa prior to 1880, the external roles that competitors such as Germany and France had in forcing Englandââ¬â¢s imperial hand coupled with the internal economic drives for procuring areas of Africa, and the special case and significance of the Cape Co...    
Thursday, November 21, 2019
Media Ethics class Essay Example | Topics and Well Written Essays - 500 words
Media Ethics class - Essay Example    Definitely, this is a bit misconstrued given the very personal nature of the relationships revealed from the start. However, the fact that Nev was already aware of the fact that something was ââ¬Å"amissâ⬠ may suggest that they only wanted to get to the bottom of the story, ââ¬Å"see the story throughâ⬠. In this regard, I would consider their decision to travel to Michigan as an ethical act. This position is informed by the sensitivity and relevance of the issue at hand. Facebook is currently the most subscribed form of social media( Plaisance 167 ). All persons who subscribe to it have different goals as evidenced by the documentary, therefore, it would be important for the media to educate the masses on this aspect. This way, the media plays its critical role which is educating people on the various perspectives and the widespread intentions of people taking to social media. I look at the decision to travel to Michigan as a way of providing the reality check and bringin   g to the viewers the intrigues and deceptions that can take place in the social media. This way, the public is informed and hopefully individuals are able to take due caution in interacting with strangers in social media.    This ethical stance is informed by Jeremy Benthamââ¬â¢s and John Stuart Millââ¬â¢s utilitarianism theory. The theory asserts that the right course of action is that which maximizes utility it is that which delivers greatest good to the greatest number. In this case, Nev and Ariel upset a few people, the Abbyââ¬â¢s family, to educate the entire public on the deceptions and misrepresentations that can be carried on social media. This arguably benefits a large population which would have been oblivious of such reality. Further, this view is very much in line with Plaisance thoughts on the media people who must recognize that they are creatures of community and must take the responsibility towards others as we are all interconnected and must care for each other (Plaisance       
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