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Consider the relevance of consumer protection requirements and identify (2) risks for the following;
Consumer (Buyer/tenant/Seller or landlord)
Risk to the Agency
Risk to the Industry
Personal Risk
List and explain (2) penalties or disciplinary actions that can be taken by the Office of Fair Trading for breaches of codes and standards for ethical practice in real estate.
Attachments:
5539393_1_nrel—cpprep4002—assessment-questions-v1.2.docx

Write a feature article as a personal reflection explaining your own experiences of the principles of Catholic Social Thought and their meaning.
First, you will need to state. define and explain your understanding of 3 or 4 of the principles of Catholic Social Thought that we cover in the unit (400-500 words).
Next, explain, with examples. how the principles you have chosen are evident in communities that you belong to and participate in these can be virtual communities. but one must be a future professional community (that is, the community to which you will belong as a professional when you graduate) (600- 700 words).
Readings for this assessment: The readings from the four modules available to you and the additional resources on LEO and through any wider or further reading you wish to include. Please note that you are not required to read outside of the reading list in the unit in order to achieve a high distinction in this assessment task.
General Instructions:
• The nine principles are: the Dignity of the Human Person: the Common Good: the Preferential Option for the Poor: Subsidiarity: the Universal Purpose of Goods: the Stewardship of Creation,- the Promotion of Peace: Participation; Global Solidarity. • From this assessment you will receive constructive feedback to assist you in completing the assessment 3.
• The feature article is to be between 1,000-1,200 words in length (penalties will apply for assessments that exceed the word limit and also for late submissions: please see the assessment overview and instructions on LEO) • The feature article may have illustrations/artwork that relate to the content of your article. Try and make your article interesting and engaging for readers. • All material must be referenced, if it is not original (see the notes on the UNCC100 LEO page for how to reference according to your discipline area). • References and in-text citations do not count in the word limit. • Please see the General Instructions on LEO for this assessment
Attachments:
5539434_1_untitled.jpg

Create a clinical case using the ICF as a basis. It needs to involve a client and include your chosen health condition and 3 environmental/contextual/personal issues.The health conditions will be based on the content from PHS406.
Utilize the ICF to consider it’s components and other contributing factors to analyse and explain the clients presenting situation.
Demonstrate clinical reasoning to design the client management plan for your initial consultation and then 2 weeks later (eg day 1 and day15) that is supported by evidence-based practice and scholarly literature
Discuss any professional concerns that may have arisen with the case and how they can be addressed
Your case presentation must be creative, interesting and innovative
Information from content will help guide you and you may also use textbooks, peer-reviewed journals, libraries, and the internet to find information to support your management plans
All ideas must be referenced to justify your clinical decisions
You will need to submit case, demonstration of clinical reasoning and reference list links to any videos you may choose to use within the case study
Attachments:
5539470_1_assessment-item-2406.docx

Financial Analysis for ALE Property Group (Listed)
Risk-return analysis guide
1
Review of listed risks
In this section, you need to review the risks listed in the annual report. Avoid making up your own risks. We are after external risks. Investment decisions, financing decisions, health and safety, compliance and human resource management are all internal risks;
ignore them
.
Competition is
not a risk
; it is the reason the company is in business.
Climate change is
not a risk
.
For Telstra, this is on page 12. Key risks that should be discussed in depth would be ‘Major Regulatory Change’ and Network resilience’.
Telstra’s monopolistic grip on the market is constantly being eroded by government intervention. This is the result of efforts of lobby groups and perceived public pressure. Competitors of course benefit from these changes as they are able to carve out their little niche to play in. Network resilience/ reliability is constantly an issue when the company is operating on such a large scale and having limited staffing resource due to budget constraints.
2
Evidence of risk
Identifying the risk is only part of the story. You have to now show evidence of the risk. The evidence that you provide are for the risks identified in the previous section. No marks are awarded for risks that are identified without clearly showing evidence that they have impacted the company.
This can be done in a few ways; relevant newspaper articles, correlation with identified variables, trend analysis, comparison with competitors, etc.
Share price decrease can be visual way to show the impact of the risk in the past. This is where you obtain the majority of the marks allocated to this section. For Telstra, you are able to find many articles discussing the impact of regulatory changes and network resilience.
Do not
address the steps taken by the company to address the risks.
Please take time to investigate and document your findings.
3
Review of shareholder returns
The total return to the shareholder is the capital growth plus the dividend received.
Use beginning and ending share price for the reporting period as stated in the annual report. If they are not presented there, you have to source them. Use closing unadjusted prices. Take the full year of the reporting period; for example, 1
st
July 18 – 30 June 19. Calculate the one-year change in share price of the stock.
Use the dividend paid for the financial year as stated in the annual report. If the share is franked, you will have to gross it up to account for franking credits and include special dividends. Look at the payment date of the dividends. Dividends stated on the annual report are often the declaration date.
Use All Ordinaries (AORD) as your index. Follow the same period as your annual report. If you do not obtain a return of more than 5%, you have to try the following steps in sequence:
Use cumulative return
Use a total return market index
Use a sector specific index
Use the financial year as your time period if your company has different reporting period
Use the average 2 or 3 years return (last resort)
Calculating the total returns for the shareholder must be done paying particular attention to the following:
Time frames must match your annual report and index returns
The same index returns must be used in the next section
You have to include both the interim and final dividend and any special dividends paid for the period. Look at payment date
You have to gross the dividends up to include the franking credits. Franking credits are only applicable for this section. Do not include them in your cost of capital section
Use the following formulas:
???????????????? ???????????? = ( ???????????????? – ????????????????) × ???????????????? ????????????????????
1 – ?????????????????? ?????? ????????
?????????? ???? ???????????????? = ?????????????? ???????????????? + ???????????????? ????????????
Video of an example will be available in your iLecture tab.
4
Review of capital projects
Finally, you have to review
ALL
capital projects undertaken in the annual report. Detail the description, amount and duration of the projects. Risk return discussions must always be done in relation to future capital projects. How are the risks identified affect the profitability of the future projects?
Companies can also be rolling out projects previously announced. You may need to look back at previous annual reports (include year and page number). Do not reference commentaries, stock reports or news articles.
If the shareholders deemed that the risk are too high, they would demand a higher return, and this will often result in the lower share price upon the project announcement.
Capital projects are not cost savings, such as staff cuts, efficiencies, reduced cost of inputs, etc. You should look for announcements of investments into projects like acquiring a business, machinery, new premises, etc.
For Telstra, this is mention on page 24 and 25. Capital investments into 5G, mobile sites and merger of Foxtel and Fox Sports. The market did not view these investments well as the future revenue may be easily disrupted by potential regulatory impact.
Ensure that you formulate a concluding paragraph to link your understanding of the risk return trade-off.
Financial statement analysis guide
1
Calculations
FSA is NOT about calculating ratios. It is about establishing a method for comparing the health of the company against its past and peers. Please do not spend most of your time doing the calculations; they do not carry a lot of marks. You should instead focus more on the interpretation and analysis of the ratios.
You should cover at least 4 ratios; one of them must be an analysis of the return on assets using the Du Pont System.
Ensure that you show all calculations and footnote the page number of the annual report where you obtained the figures.
2
Time series analysis
You need to do a time series analysis, looking back at least 3 years.
You only need to calculate the ratios for 1 year.
If your calculated ratios within 10% of the ones calculated in DatAnalysis Morningstar database, you may use all the figures from the database (for time series and cross-section).
If your figures are significantly different, you will have to calculate all the figures and show all workings.
Do not provide definitions for the ratios. Go straight into the discussion.
Explain the changes in the ratios with reference to company’s history or events. Do not merely state that the figures are improving or deteriorating.
3
Cross-sectional analysis
For cross-sectional analysis, it is unlikely that you will find a perfect match. You will have to look at all the four areas of:
Size,
Age,
Sector and
Scope of operations
Do not merely state that the company is performing better or worse than its peer. State specific action of the company that contributed the better or worse performance.
Calculations of ratios without analysis and comment will receive a null grade for this section
Attachments:
5539564_1_financial-analysis-for-ale-property-group.docx