LAW5230 Assignment Semester 3, 2019 LAW5230 Taxation Law Assignment

LAW5230 Assignment Semester 3, 2019
LAW5230 Taxation Law Assignment
Due date: 13 January 2020
Value: 40%
Word Limit: 4,000 words (excluding calculations)
This assignment consists of two (2) parts. Part A consists of a problem solving scenario (1,000 words) and
Part B is a research assignment (3,000 words). You must complete both Part A and Part B.
Marking criteria is at the end of each Part. Part A
Catherine is 22 years old and was born in Cardiff, Wales. On 20 August 2018, she arrived in Brisbane on a
12-month working holiday visa. Prior to arriving in Brisbane Catherine had always lived with her parents
in Wales.
Catherine had worked in Cardiff prior to leaving for Australia and had been saving for her travel. She did
not own any significant assets in Cardiff, only personal possessions such as clothes and a few electronic
items. She left most of this with her parents while she was in Australia.
Catherine stayed in a hostel in Brisbane for 2 weeks after arriving, visiting the Gold Coast and Sunshine
Coast and other tourist attractions. She then moved into a shared house with other working holiday
makers, and worked at a café and hotel in Brisbane city as a casual employee.
As she was required to work in a rural area as part of her visa requirement, in February 2019 she travelled
to central Queensland to work on a cattle station for two months. When she returned to Brisbane in April
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2019 she went back to live in the same share house.
On 16 July 2019 Catherine decided to return to Cardiff and moved back into her parents’ house. She
wanted apply for a working holiday in Canada and started working and saving for her next adventure.
After six months she started travelling again.
Required:
Discuss with reference to legislation, case law and/or rulings whether Catherine would be considered a
resident of Australia for tax purposes for the income year ended 30 June 2019. You do not need to
consider the temporary residency rules.
Part A continued over page
LAW5230 Assignment Semester 3, 2019
Catherine provides you with the following financial information for the year ended 30 June 2019:
· Salary from employment in Wales prior to 20 August 2018 equivalent to AUD$5,500.
· Salary paid by her Australian employers for work at the café, hotel and cattle station AUD$36,000.
· A $250 prize for winning the annual pie-eating contest in Cloncurry, Queensland.
· Interest on her Australian bank account of $50.
· Interest on her bank account in Wales equivalent to AUD$180, from which $20 withholding tax had been
deducted by the bank prior to crediting her account on 1 March 2019.
· $350 from the sale of excess clothing, sleeping bag and other personal items on eBay in June 2019 prior
to leaving Australia.
Required:
i) Assuming that Catherine is a resident of Australia for tax purposes for the whole year ended 30 June
2019, what amount should she include in her assessable income in Australia?
ii) Assuming that Catherine is a foreign resident (non-resident) of Australia for tax purposes for the whole
year ended 30 June 2019 what amount should she include in her assessable income in Australia?
You should state and apply any relevant source of income, derivation, general income rules and cite
relevant legislation, case law and rulings in answering approaching this question.
LAW5230 – Taxation Law
Semester 3, 2019
Assignment Marking Criteria Sheet
PART A – Problem Solving Little
attemp
t F C B A HD
Identification of legal issues, legislation and case law
Overall the student has identified the relevant assessable income issues, legislation and where appropriate
case law and rulings. 0 0.5 1 1.25 1.5 2
Application
Demonstrated level of understanding of the specific residency issues through the application of the
identified law. 1 3 5 6.5 8 10
Demonstrated level of understanding of residency and source issues through the application of the
identified law. 1 3 5 6.5 8 10
Conclusions
Overall, the student has drawn appropriate and valid conclusions after applying the law. 0 1 1.5 2 2.5 3
Total out of 25
LAW5230 Assignment Semester 3, 2019
Description of Performance Standards:
HD – the student has shown a very high level of demonstrated ability in relation to the stated criteria by
covering all valid points in a clear and succinct manner. The student may have also demonstrated an
ability to think beyond the facts and recognise the broader implications of the facts, missing facts or
alternate arguments.
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A – The student has shown a high level of demonstrated ability in relation to the stated criteria by either
covering all valid points or by covering the majority of valid points in a clear and succinct manner. The
student may have very briefly or occasionally shown ability at the HD level.
B – The student has shown a good level of demonstrated ability in relation to the stated criteria by
covering most of the valid points. The student may have made some minor incorrect statements or missed
some minor points.
C – The student has shown a satisfactory level of demonstrated ability in relation to the stated criteria by
covering the main valid points. The student may have made a number of minor incorrect statements but
did make incorrect statements in relation to major points.
F – The student has not shown a satisfactory level of demonstrated ability in relation to the stated criteria
by missing some main points or by making incorrect statements in relation to major points.
Little Attempt – The student has not addressed or attempted to address this criterion.
LAW5230 Assignment Semester 3, 2019
Part B – 75 Marks (3,000 words)
You are required to prepare a written research assignment that addresses one of the provided topics below.
The purpose of the task is for you to demonstrate high level critical reflection and analytical reasoning
skills in the context of the application of Australian taxation law and taxation law policy. You must
undertake academic research which demonstrates the following:
· An in-depth understanding of how the specific tax law applies,
· The policy context of the law and if relevant how other jurisdictions deal with similar issues,
· Critical reflection as to whether the law achieves its stated purpose, aligns with principles of good tax
policy or could be improved/amended. These critical reflections should be supported by the research you
have undertaken as well as your own independent thought.
Topic Choices
1. Australia’s Residency Rules
· Briefly outline the current tax rules for the residency of individual taxpayers in Australia;
· Discuss and critically evaluate the Board of Taxation’s recent suggestion to amend the residency rules, as
well as recent case law;
· Compare the Australian rules to the rules in one other country;
· Conclude as to whether the current rules should be changed.
2. International Tax Avoidance
· Briefly outline why the avoidance and/or minimisation of tax by large multi-national corporations is of
great concern to Governments and tax administrators;
· Discuss and critically evaluate at least one common method multi-national corporations might use to
avoid tax in Australia and a current strategy implemented by the Government that is used to prevent this.
· Compare the Australian rules to the rules in one other country;
· Conclude as to whether the current rules should be changed.
3. Negative Gearing
· Briefly outline what is meant by negative gearing and how the Australian tax system treats negatively
geared investments;
· Discuss and critically evaluate the extent to which tax-deductible negative gearing impacts upon savings
and investment decisions, and recent election policies to amend the current rules;
· Compare the Australian rules to the rules in one other country;
· Conclude as to whether the current rules should be changed.
4. Small Business CGT Concessions
· Briefly outline the Small Business CGT Concessions in Australia;
· Discuss and critically evaluate the Small Business CGT Concessions in Australia, including the overall
policy objectives and your evaluation of whether regime currently meets these objectives;
· Compare the Australian concessions to the concessions in one other country;
· Conclude as to whether the current rules should be changed.
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LAW5230 Assignment Semester 3, 2019
5. Superannuation Tax Concessions
• Briefly outline the changes to Australia’s superannuation tax concessions effective from 1 July 2017 and
the purpose/policy intention of those changes;
• Discuss and critically evaluate whether the recent changes are equitable and an improvement to the prior
system;
• Conclude as to whether the additional reforms to Australia’s superannuation tax concession system are
required.
LAW5230 Assignment Semester 3, 2019
LAW5230 Part B – Research Assignment Criteria Little attempt F C B A HD
Demonstrated technical understanding of the chosen tax law topic. No/little attempt made in relation to
this criterion 1 Very little technical understanding of the legal topic demonstrate and/or many instances of
incorrect understanding. 4 Sound technical understanding of the legal topic demonstrated with some
instances of incorrect understanding. 7.5 Good technical
understanding of the legal topic demonstrated, with few instances of incorrect understanding.
10 High level technical understanding of the legal topic demonstrated, with no/very few instances of
incorrect understanding. 12 Very High level technical understanding of the legal topic demonstrated, no
instances of incorrect understanding.
15
Ability to analyse and present practical applications of the law in the context of the overall paper, rather
than simply describe the law. No attempt made in relation to this criterion. 0 Did not demonstrated an
ability to explain tax law concepts in the context of how it is relevant to practical applications.
3 Demonstrated sound ability to explain tax law concepts in the context of how it is relevant to practical
applications in some instances. Some insightful and relevant applications made.
6 Demonstrated a good ability to explain tax law concepts in the context of how it is relevant to practical
applications in some instances. Practical applications were mostly insightful and relevant. 7.5
Demonstrated a very good ability to explain tax law concepts in the context of how it is relevant to
practical applications in many instances. Practical applications were mostly insightful and relevant. 9
Demonstrated an excellent ability to explain tax law concepts in the context of how it is relevant to
practical applications in all instances. Practical applications were insightful and relevant. 12
Ability to demonstrate critical reflection on the topic researched incorporating independent thought and
ability to critically analyse research presented. No/little attempt made in relation to this criterion 1
Insufficient evidence of effective analysis, balanced evaluation, personal perspectives made.
4 Few instances of careful analysis of the research. Limited ability to balance and evaluate competing
arguments in the literature and/or limited articulation of personal perspectives throughout paper.
7.5 Some evidence of careful analysis of the research. Some instances of an ability to balance and evaluate
competing arguments in the literature as well as some personal perspectives throughout paper.
10 Evidence and multiple instances of careful analysis of the research. Evidence of an ability to balance
and evaluate competing arguments in the literature as well as clearly articulated personal perspectives
throughout paper. 12 Strong evidence and multiple instances of careful analysis of the research. Strong
evidence of an ability to balance and evaluate competing arguments in the literature as well as clearly
articulated personal perspectives throughout paper.
15
Ability to demonstrate independent, high quality research. No/little attempt made in relation to this
criterion 1 Little evidence of quality and independent research. Many major sources overlooked. Very few
sources from outside course materials.
4 Some evidence of careful, relevant, quality and independent research undertaken. Many major research
sources/authors overlooked. A few sources from outside course materials.
7.5 Evidence of careful, relevant, quality and independent research undertaken. Few major research
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sources/authors overlooked. Some sources from outside course materials.
10 Evidence of careful, relevant, high quality and independent research undertaken. No major research
sources/authors overlooked. Many sources from outside course materials.
12 Evidence of careful, relevant, high quality and independent research undertaken. No research
sources/authors overlooked. Many sources from outside course materials and all high quality.
15
LAW5230 Assignment Semester 3, 2019
Overall clarity of expression, use of grammar and appropriateness of the language and terminology for an
academic research paper. No/little attempt made in relation to this criterion 1 No instances of sophisticated
and academic language used. Many instances of incoherent. Lacks readability.
2 Few instances of sophisticated and academic language used. Somewhat clear and readable expression
used throughout. Many instances of unclear expression.
3 Mostly sophisticated, clear and readable expression used throughout. Moderately academic language
used throughout. Few instances of unclear expression. 4 Some sophisticated language, but otherwise, very
clear and highly readable expression used throughout. Appropriate academic language used throughout.
5 Sophisticated, clear and highly readable expression used throughout. Very appropriate academic
language used throughout. 6
Clear and logical structure, development of clear arguments, supported conclusions reached. No/little
attempt made in relation to this criterion 1 Very little persuasive argument used in paper. Little structure or
flow. Many inconsistent / unsupported conclusions reached.
2 Somewhat persuasive argument built throughout paper. Some structure presented, though paper may
have some flow problems, or inconsistent / not well supported conclusions presented. May have some
inconsistencies.
3 Moderately persuasive argument built throughout paper. Clear structure resulting in some supported
conclusions/ recommendations with few inconsistencies. 4 Persuasive argument built throughout paper.
Clear and logical structure resulting in some well supported conclusions/ recommendations. 5 Highly
persuasive argument built throughout paper. Very clear and logical structure resulting in well supported
conclusions/ recommendations.
6
Ability to use chosen referencing method appropriately and correctly No/little attempt made in relation to
this criterion 1 Inability to use chosen referencing method appropriately and correctly. Inconsistent and
fundamental errors. 2 Acceptable standard of referencing, citations and bibliography. Some fundamental
errors. 3 High standard of referencing, citations and bibliography. Some minor errors.
4 Very high standard of referencing, citations and bibliography. Very few errors.
5 Very high standard of referencing, citations and bibliography. Almost no errors

Essentially it will be a summary of results from preliminary trial and mitigation guidelines but only considering the technical part of the solution

As per attached.
I require report which will only consider the technical part of the solution. As highlighted.
Essentially it will be a summary of results from preliminary trial and mitigation guidelines but only
considering the technical part of the solution. COnstruction methodology, impact during construction and
when the trail is decommissioned.

HI6028 Unit Title Taxation Theory, Practice & Law

Assessment Details and Submission Guidelines
Trimester T3 2019
Unit Code HI6028
Unit Title Taxation Theory, Practice & Law
Assessment Type Assignment
Assessment Title Individual Assignment
Purpose of the
assessment (with ULO Mapping) Students are required to follow the instructions by your lecturer to
confirm any relevant information. You also need to follow any relevant announcement on Blackboard to
confirm the due date and time of the assignment.
The individual assignment will assess students on the following learning outcomes:
1. Demonstrate an understanding of the Australian income tax system, the concept of deductions, CGT,
general anti-avoidance provisions and income tax administration. (ULO 1).
2. Identify and critically analyse taxation issues. (ULO 2).
3. Interpret the relevant taxation legislations and case law. (ULO 3).
4. Apply taxation principles to real life problems. (ULO 4).
Weight This assignment task accounts for 25 % of total marks in this unit.
Total Marks This assignment task accounts for 25 marks of total marks in this unit.
Word limit Max 2000 words (acceptable to be 10% above or below this word limit).
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Due Date Refer to the Unit Outline, as Normal & Block Modes have different due dates.
Submission Guidelines • All work must be submitted to the Blackboard by the due date along with a
completed Assignment Cover Page.
• The assignment must be in MS Word format, no spacing, 12-pt Arial font and 2 cm margins on all four
sides of your page with appropriate section headings and page numbers.
• Reference sources must be cited in the text of the report, and listed
appropriately at the end in a reference list using Harvard referencing style.
Individual Assignment Specifications
Purpose:
This assignment aims at assessing students on the Learning Outcome (LO) from 1 to 4 as mentioned
above.
Instructions: Please read carefully to avoid mistakes.
· Answer all questions.
· This assignment along with a completed Assignment Cover Page is to be submitted on Blackboard by
the due date in soft-copy only.
· The self-check links are no longer available as a separate link in each unit’s assessment. Students are
now limited to attempt any given assignment submission a maximum of three times. After every attempt
you will receive a SafeAssign originality report with Blackboard Learning Management System. This will
provide detailed information about the matches found between your submitted works and existing sources.
· The assignment is to be submitted in accordance with assessment policy stated in the Unit Outline and
Student Handbook.
· It is the responsibility of the student submitting the work to ensure that the work is in fact his/her own
work. Incorporating another’s work or ideas into one’s own work without appropriate acknowledgement is
an academic offence.
· The assignment must be in MS Word format, no spacing, 12-pt Arial font and 2 cm margins on all four
sides of your page with appropriate section headings and page numbers.
· Reference sources must be cited in the text of the report, and listed appropriately at the end in a reference
list using Harvard referencing style. You also must refer to relevant legislation and/or case law in your
answer. Reference sources must be cited in the text of the report, and listed appropriately at the end in a
reference list using Harvard referencing style.
· Note: Assessment task is set around the work that you have done in class. You are not expected to go
outside the content of the unit but you are expected to explore it.
Assignment Structure should be as the follows:
Question 1: ASSESSABLE INCOME Weighting
Identification of material facts (issues) regarding Emmi’s assessable income scenario, and the
consequences discussed in the assignment question. 1 %
Identification and analysis of legal issues / legal question and relevant taxation law in regards to Emmi’s
income (e.g. ITAA 1936 and ITAA 1997). 2 %
Thorough yet succinct application of tax law (e.g. ITAA 1936 and ITAA 1997) to material facts in Emmi’s
case. 2 %
Detailed and accurate assessable income conclusion are reached from the discussion. 2 %
Correct information and taxation law have been used and properly cited. A detailed analysis has been
performed. 2 %
Ability to show excellent understanding of the cases and/or section of legislation, its context and
application of taxation law. 1 %
QUESTION 1 TOTAL MARKS: 10 %
QUESTION 2: CAPITAL GAINS TAX (CGT) Weighting
Identification of material facts regarding the capital gains tax (CGT) consequences of Liu’s transactions
discussed in the assignment question. 1 %
Identification and analysis of legal issues / legal question and relevant taxation law. 3 %
Thorough yet succinct application of ITAA 1997 to material facts. 5 %
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Detailed and accurate conclusions are reached from the scenario discussion. 2 %
Correct information and taxation law have been used and properly cited. A detailed analysis has been
performed. 2 %
Students are able to demonstrate understanding of the cases and/or section of legislation, its context and
application of taxation law. 2 %
QUESTION 2 TOTAL MARKS: 15 %
Assignments’ Instructions and Requirements QUESTION 1- (10 MARKS)
Emmi studies accounting at Holmes Institute and works part-time in Crown Melbourne restaurant. During
the year Emmi has receipts as follows:
(a) Tips from customers of $335 cash; (1.5 marks)
(b) Income of $25,000 from working in the Crown Melbourne restaurants; (1.5 marks)
(c) An expensive perfume worth $250, from a regular customer gifted to Emmi at Christmas time. Emmi
does not use the perfume and gave the perfume to her mother; (1.5 marks)
(d) A monthly entertainment event paid by the restaurant owner. The owner spends around $380 on the
meals that Emmi consumed. Emmi enjoys these events and sees them as a reward for her hard work; (1.5
marks)
(e) Emmi received $15,000 as Christmas gift from her father. (1.5 marks)
With reference to relevant legislation and case law discuss Emmi’s assessable income for the year.
Calculate Emmi’s Total Assessable income. (2.5 marks)
QUESTION 2 – (15 MARKS)
Liu is a 65 years old Australian resident but born in China, Liu is retiring from her business and decides to
sell all of her Australian assets and moving home to China.
The assets that she is selling include:
(a) A house Liu purchased in 1981 for $55,000 and now worth $630,000. This house was Liu’s main
residence for the entire period of ownership (03 marks).
(b) Liu’s car which cost $37,000 in 2011 and is now worth around $8,000 (03 marks).
(c) Liu’s has a small business enterprise, Monte Liu Photography Studio. She started the photography
business herself and has found a buyer to take over the business for $125,000. The sale price includes
$53,000 for all of the photography equipment, which cost $63,000, and $50,000 for goodwill (03 marks).
(d) Liu’s furniture for $4,800. No single furniture item being sold cost more than $2,000 (03 marks).
(e) Liu paintings for $28,000. All of her paintings were purchased in second hand shops or markets and no
single painting cost more than $500. The one exception was a painting she purchased direct from an artist
for $1,000. This painting being sold for $8,000 (03 marks).
Advise the capital gains tax (CGT) consequences of the above sales. Your answer should include
appropriate legislative references.
Assignment Structure should be as the following (students’ responses involves calculations, and students
must refer to the relevant legislation and/or cases whenever required according to the questions).
Marking criteria
Marking criteria Weighting
Question 1
Identification of material facts regarding the given FBT scenarios, and the consequences discussed in the
assignment question. 1 mark
Identification of material facts (issues) regarding Emmi’s assessable income scenario, and the
consequences discussed in the assignment question. 2 marks
Identification and analysis of legal issues / legal question and relevant taxation law in regards to Emmi’s
income (e.g. ITAA 1936 and ITAA 1997). 2 marks
Thorough yet succinct application of tax law (e.g. ITAA 1936 and ITAA 1997) to material facts in Emmi’s
case. 2 marks
Detailed and accurate assessable income conclusion are reached from the discussion. 2 marks
Correct information and taxation law have been used and properly cited. A detailed analysis has been
performed. 1 mark
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HI6028 Taxation Theory, Practice and Law Individual Assignment T3.2019 4
Ability to show excellent understanding of the cases and/or section of legislation, its context and
application of taxation law. 10 MARKS
Question 2
Identification of material facts regarding the income and deductions consequences of David’s transactions
discussed in the assignment question. 1 mark
Identification of material facts regarding the capital gains tax (CGT) consequences of Liu’s transactions
discussed in the assignment question. 3 marks
Identification and analysis of legal issues / legal question and relevant taxation law. 5 marks
Thorough yet succinct application of ITAA 1997 to material facts. 2 marks
Detailed and accurate conclusions are reached from the scenario discussion. 2 marks
Correct information and taxation law have been used and properly cited. A detailed analysis has been
performed. 2 marks
Students are able to demonstrate understanding of the cases and/or section of legislation, its context and
application of taxation law. 15 MARKS
Marking Rubric
Excellent Very Good Good Satisfactory Unsatisfactory
Demonstrated ability
to identify issues
relating to taxation
law : Knowledge and
understanding of
income tax and CGT. Comprehensive identification of key issues. Frequent links drawn across topics or to
extraneous materials. Student property generates questions and problems around a case. Very good
identificatio n and discussion of issues. Several
links drawn across topics or to extraneous materials. Majority of relevant issues identities and discussed.
Some links drawn across topics or to extraneous materials. Some relevant issues overlooked or
misunderstood. Few links made drawn across topics or to extraneous materials. Failure to identify and
discuss relevant issues. No links made drawn across topics or to extraneous materials.
Ability to synthesise
material in order to
raise issues or
construct a
persuasive argument.
Ability to engage in a
reflective discourse:
Synthesis analysis
and argument. Thorough analysis and synthesis of issues. Persuasively argued
throughout, contrary
arguments anticipated. Excellent critical evaluation of other metrical and appropriate response. Detailed
conclusion is reached from the discussion. Very good analysis, argument well- developed and supported,
some critical evaluation of other material and appropriate response. Conclusion is reached from the
discussion. Some analysis of issues: argument may be under- developed or unpersuasive. Limited critical
evaluation and response to other material. Conclusion is reached but do not supports the analysis. Mainly
descriptive with little analysis of issues basic argument is unclear or use undeveloped or not well
supported. Limited reference to other material. The response shows some understanding of the case, its
context and application of tax law. Insufficient analysis argument is lacking or unsound, failure to use
relevant materials, or use of materials may indicate confusion or
misunderstanding. No response to other material. No conclusion is given.
Writing presentation
and referencing Clear and logical organisation; precise and concise writing. Minimal errors in expression,
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grammar, spelling or punctuation. Very good structure and organisation . Generally well- written.
Occasional Generally coherent structure a with occasional deficiencies; reasonably well written. Some
flaws in Some defects in structure and organisation; writing may be difficult to follow in parts. Flaws in
expression, Structure and
organisation
incoherent or
lacking; poorly
written, difficult to follow. Frequent or
repeated flaws in
expression,
HI6028 Taxation Theory, Practice and Law Individual Assignment T3.2019 5
Excellent and complete referencing. minor flaws in
expression, expression,
grammar,
spelling or grammar, spelling or punctuation; a grammar, spelling
or punctuation;
inadequate citation
Grammar and spelling are correct. grammar, spelling or punctuation. Correct and complete referencing.
punctuation. number of missing, incomplete or incorrect footnote citations. of sources. Errors in

Business Management Skills This document includes the following parts:

Business Management Skills
This document includes the following parts:
• Instructions for completing and submitting this assignment
• CCF & MB case study and tasks covering Business Management Skills:
• Task 1 — Developing and nurturing relationships with clients, other professionals and third-party
referrers
• Task 2 — Growing the business
• Task 3 — Identifying risk and applying risk management processes
• Task 4— Improving the business
• Task 5 —Managing people performance
• Task 6 — Showing leadership in the workplace
• Task 7 – Standards and values
• Task 8 – Develop a Performance plan
Instructions for completing and submitting this written assignment
Word count
The word count shown with each question is indicative only. You will not be penalised for exceeding the
suggested word count. Please do not include additional information which is outside the scope of the
question.
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Capital City Finance and Mortgage Brokers (CCF & MB)
Peter and Jill are very happy with the way you service your clients and are sure that you are a good fit for
the team. They now want you to turn your focus to your primary task, which is to assist in expanding the
business by building relationships with selected real estate agents, accountants and legal firms through
strategic alliances. They also want you to consider how CCF & MB can consolidate its relationships with
its existing strategic partners.
Let’s recap on what you already know about Capital City Finance and Mortgage Brokers (CCF & MB).
It’s a family owned business providing a range of mortgage and finance broking services to the business
and private sectors, with experience in all facets of finance and insurance, providing expert advice
covering a multitude of products and options existing within the market.
CCF & MB specialises in home loans, commercial lending, business lending, personal and motor vehicle
finance and insurance (life and general) and focuses on helping clients find the finance service suited to
their individual circumstances.
It provides its services through its association with the following partners:
• Australian Aggregators: a rising company within the aggregation business, with an extensive panel of
residential and commercial lenders, and asset finance.
• ABC General Insurance: a boutique insurance company specialising in a full range of general insurances.
• XYZ Life: a small family-owned insurance brokerage specialising in the full range of life insurance
products.
Based in the city, CCF & MB has the capacity to service clients from their office or anywhere at their
clients’ convenience through its team of mobile brokers.
CCF & MB does not hold a credit license but operates as a credit representative of Australian
Aggregators.
Since its inception 13 years ago, CCF & MB has built a loan book of almost $1.2 billion and averages
over $120 million in new loans annually.
CCF & MB’s vision is to be the mortgage and finance broker of choice in the greater metropolitan area.
CCF & MB’s mission statement is: ‘to operate professionally in accordance with legislation, our licence
and professional standards’.
CCF & MB’s values are as follows:
• to act with honesty and integrity at all times
• to provide unbiased advice and conduct business, free from any conflict of interest
• to maintain confidentiality in all dealings
• to meet all NCCP regulatory requirements
• to comply with all mortgage industry laws and regulations
• to ensure quality and efficiency in its loan processes.
CCF & MB’s people
CCF & MB is owned by husband and wife, Peter and Jill Spencer.
With over 35 years’ experience in finance and business ownership, Peter established and built a successful
business dedicated to assisting clients with managing their finances effectively. Starting the business with
his wife Jill 13 years ago, Peter gained immense satisfaction in seeing it expand, to service more and more
clients across the city and greater metropolitan area. Although in recent years he has stepped back from
dealing directly with clients, he still maintains a small select clientele. He also takes great pride in training
and mentoring his team to enhance their performance.
Jill has over 22 years of lending experience and is qualified, not only to assist her clients with their
mortgage requirements, but also to assist them with their commercial finance requirements. She also holds
financial planning qualifications. She specialises in asset finance.
The company has a small team of five additional consultants and two administration staff members.
Profiles for the team are as follows:
• Jennifer Dee is recognised as one of the top female brokers in Australia. She has been in the broking
industry for over 10 years and has a passion and dedication to assist and accommodate all of her clients’
needs with their financial dreams. Jennifer is an Accredited Mortgage Consultant with the Mortgage and
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Finance Association of Australia (MFAA).
• Louise Spencer (Peter and Jill’s eldest daughter) is an Accredited Mortgage Consultant with the
Mortgage and Finance Association of Australia (MFAA) and has been working as a loan consultant for
almost two years. Louise started off in the lending industry in the office as an administrator to gain as
much experience and knowledge as possible before taking a broking role. Her passion for helping her
clients ensures that she is always available to her clients at a time and place convenient for them.
• Michael Spencer is Peter’s younger brother and is CCF & MB’s equipment finance specialist. He has
over 25 years working in the equipment finance industry. He has developed an in-depth understanding of
the transport and agricultural industries, and also provides finance for general equipment, motor vehicles
and computer equipment.
• Martin Long has specialised in equipment finance for the last three years, but prior to this he spent five
years operating his own retail food business. This practical experience allows him to see things from his
client’s point of view, including experience with equipment finance. He specialises in plant and equipment
in the machinery, woodworking and packaging industries. Examples of some of the equipment he has
financed are farm machinery, extrusion lines, plastic injection moulders, commercial catering equipment,
woodworking plant, packaging lines, forklifts, office fit-outs and many different motor vehicles.
• Luis Ramirez migrated to Australia as a young boy; 25 years ago with his family. After completing high
school he graduated from university with an accounting degree and worked in ANZ in commercial
lending. He joined CCF & MB four years ago and specialises in vehicle and capital equipment financing.
He provides ITC and general equipment lease funding options for clients. By providing better outcomes,
both during and at the end of their equipment leases, Luis’ many clients have been able to reduce costs
and maximise the value of their available budgets.
CCF & MB is a member of the MFAA, as a broking business dealing directly with the public. Both Peter
and Jill are fellows of the MFAA. CCF & MB is also a corporate member of the FBAA.
All staff members, including consultants, are paid an annual salary plus superannuation. Consultants also
receive a car allowance plus a percentage of trail commissions, which are paid quarterly based on their
performance targets.
CCF & MB’s panelled lenders
With access to an extensive panel of lenders, CCF & MB can meet most clients’ expectations. Residential
lenders are listed in the following table.
Adelaide Bank Homeloans Limited Pepper Home Loans
AMP Homeside Phoenix-Circle Credit Union
ANZ ING Direct PLAN Lending
Australian Financial Keystart PN Bank
Australian First Mortgage La Trobe Resi
Bank of Melbourne Liberty Financial St George Bank
BankSA Macquarie Suncorp
Bankwest ME Bank The Rock Building Society
Bluestone Mortgage Mart Westpac
Citibank NAB Wide Bay Australia Ltd
Commonwealth Bank Newcastle Permanent
Heritage Bank Peoples Choice Credit Union
Commercial lenders and asset finance providers are listed in the following table.
Adelaide Bank Commercial Bibby Financial Services Pty Ltd Liberty Financial Commercial
ANZ Commercial Commonwealth Bank Commercial NAB Commercial
Australian First Mortgage Commercial IMB Commercial St George Commercial
Bank SA Commercial ING Direct Commercial Suncorp Commercial
Bankwest Business Banking LaTrobe Commercial Westpac Commercial
Adelaide Bank Commercial Macquarie Leasing Westpac Equipment Finance
ANZ Asset Finance Commonwealth Bank Asset Finance Liberty Asset Finance
Future developments
12/30/2019 52781 – Written AssignmentBusiness Management SkillsThis document
https://www.australiabesttutors.com/Recent_Question/52781/Written-AssignmentBusiness-Management-SkillsThis-document 5/12
Peter and Jill are very keen to expand and grow their business and are in the process of speaking with a
number of real estate agents, accountants and legal firms with a view to forming strategic alliances.
Due to the expected increase in business, Peter and Jill are seeking to employ another consultant to take on
the extra work. This person will be required to:
• build strategic relationships with a number of real estate agents, accountants and legal firms already
identified
• identify and foster relationships with other real estate agents, accountants and legal firms
• provide finance and mortgage broking services to new clients identified through these strategic alliances.
Business management skills
Task 1 — Developing and nurturing relationships with clients, other professionals and third-party referrers
Peter and Jill now require you to write a plan to assist in developing and nurturing relationships with
clients, other professionals and third-party referrers.
The layout and content of your plan should address the following:
1. How CCF & MB’s policies and procedures and legislative, regulatory and professional codes of
practice impact on developing and nurturing relationships.
2. How you would use CCF & MB’s social, business and ethical standards to develop and maintain
positive relationships.
3. The importance of confidentiality and how you would maintain it in your dealings with colleagues,
clients and other parties.
4. How you would adjust your interpersonal style to the needs and situation of other parties.
5. How you would go about developing and maintaining business and professional networks and other
relationships to benefit the organisation; and how you would use them to identify and cultivate
relationships in order to promote and market the organisation.
6. How you could use and cooperate with other professionals and third parties to expand and enhance the
reputation of the organisation, and to identify new and improved business practices.
7. How you would build referral business through appropriate communication channels, to find and secure
new business relationships.
8. How you would identify referral needs and provide information about CCF & MB’s relevant products
and services.
9. How you would secure interviews with referral business so that the needs of clients can be met.
(1,000 words)
You may use any format for your plan but you are not permitted to simply answer the points above. If you
are unsure as to how to write a plan, you can refer to the Business Growth and Marketing topic and use the
suggested SMEAC format outlined in Part 6, Section 13. You may also refer to the internet for other
example business or marketing plans.
Guidance on how to develop a plan is available at the business.gov.au website:
https://www.business.gov.au/planning/templates-and-tools/marketing-plan-template-and-guide
When completing this task, assumptions are permitted, although they must not be in conflict with the
information provided in the background information.
Student response to Task 1
Answer here
Assessor feedback for Task 1: Resubmission required?
No
Task 2 — Growing the business
Having considered how you would go about building and nurturing relationships, Peter and Jill now
require you to turn your attention to marketing and promoting CCF & MB’s business. This requires you to
develop, implement, monitor and adjust a Marketing Plan for the business. When doing this, you will need
to:
• Ensure your plan is developed in line with CCF & MB’s vision statement.
• Conduct some research (or make assumptions) and identify key market data for the plan. This can
include, for example, customer demographics, product types (i.e. census data if available), marketing

Prenatal Development

PICK ONE OF THE TOPIC FROM BELOW AND WRITE 1500 WORDS IN MLA STYLE.

. Prenatal Development

Design an education course for expectant parents. At the minimum, prepare an outline of all the topics that you would cover in this course and include a description of any activities and resources you would use.

2. Infant Development

Observe the motor behavior of an infant (0-3 years) over three (3) periods of at least 30 minutes. You may interact with the infant during this time. Record your detailed, objective observations, then write out your evaluation of the infant’s motor development based on the information presented in this course.

3. Preschool Development

Observe the language behavior of a pre­school child (3-6 years) over three (3) periods of at least 30 minutes. You may interact with the child during this time. Record your detailed, objective observations, then write out your evaluation of the child’s language development based on the information presented in this course.

4. Middle Childhood Development

Observe the play behavior of a middle-years child (6-12 years) over three (3) periods of at least 30 minutes. Do not interact with the child during this time. Try to make your presence as inconspicuous as possible. You may want to go to a park or playground. Record your detailed, objective observations then write out your evaluation of the child’s play/social development based on the information presented in this course.

5. Adolescent Development

Make up at least ten (10) open-ended questions and ask them of a minimum of 5 adolescents. The questions could concern school, sex, food, use of time, occupation, plans for the future, etc. Record their answers as best you can and then write out your evaluation of the adolescents’ identity formation based on the information presented in this course.

6. Adult Development

Write your autobiography from your earliest memories to your present stage of adult development. The focus of this paper should be on the determinants of your present personality. Using Erik Erikson’s theory of psychosocial development, state how you think you resolved each of the crises of development (for early stages, you may have to ask others or draw conclusions based on your present personality). Give specific examples from your life story to support your conclusions.

7. Aging

Make up at least ten open-ended questions and ask them of a minimum of 5 individuals over the age of 65. Among the questions that you should ask them are, “What would you do differently if you had your life to live over again?” and “What advice would you give a person of my age on how to live a meaningful life?” Write your questions and the answers received in your paper and include any conclusions you would make about aging.

8. Death and Dying

Design a death education course that would help you deal with your own death or the death of a loved one. Prepare an outline of all of the topics you would cover in this course, and include a description of any activities and resources you would use.

This is a two-part assignment! It must be completed in 27 hours! Must use original work! I’ll attach the previous assignments as this is a continuation of weeks-long research.

This is a two-part assignment! It must be completed in 27 hours! Must use original work! I’ll attach the previous assignments as this is a continuation of weeks-long research.

Write a 500- to 750-word summary of the ethical issues that affect your selected research question and methodology, including the following:

Write a brief statement of the research question.
List the possible ethical issues, such as consideration of characteristics of your sample, type of data collection, potential for bias, and so forth.
Identify and cite the APA ethical standard concerning the issue.
Respond to each issue, specifying how you, the researcher, will minimize or eliminate it.
Write a 1,400- to 1,750-word research proposal including the following:

Introduction, including purpose and importance of your topic

Literature review based on the Annotated Bibliography assignment

Research questions and hypothesis

Methods: sample, procedure, and analysis

Ethical considerations

Discussion: expected results, conclusions, and limitations

Reference

Summarize the main findings and purpose of the research article. This can include the type of research design (i.e., is it a correlational or experimental study?)

Review a peer-reviewed research article from Journal of Abnormal Psychology, Journal of Consulting and Clinical Psychology, American Journal of Psychiatry. Other scientific journals may be used to find one article of interest as long as it relates to the topics of this course. You will write a 3 page (not including title page and reference pages) consisting of the following:

• Summarize the main findings and purpose of the research article. This can include the type of research design (i.e., is it a correlational or experimental study?)

• Does the article discuss etiology of the mental illness, descriptive psychopathology or treatment? Is there a control group?

• Can you provide another explanation to the findings of the article?

It is expected that the paper is formatted according to APA formatting guidelines. It is important to cite your sources as needed in order to avoid plagiarism.

Multicultural and Social Issues in Psychology

Multicultural and Social Issues in Psychology

Directions: Answer all 8 questions using 150 words-200 for each answer. Must be original work and APA cited within text!

1. Can ethnocentrism in psychology research create multicultural biases? Why or why not?

2. Are we all ethnocentric to some degree?

3. How do social psychologists and multicultural scholars define the term ethnocentrism?

4. What is the greatest ethical dilemma in multicultural psychology research?

5. What is another great ethical dilemma in multicultural psychology research?

6. What is an additional great ethical dilemma in multicultural psychology research?

Review this week’s course materials and learning activities and reflect on your learning so far this week. Respond to only two of the following prompts in one to two paragraphs:

1. Provide citation and reference to the material(s) you discuss. Describe what you found interesting regarding this topic, and why.

2. Describe how you will apply that learning in your daily life, including your work life.

3. Describe what may be unclear to you, and what you would like to learn.

Please describe briefly how gender development and sexuality have been used strategically in marketing and/or politics to sway the popular view. Be sure to differentiate between the two or speak directly as to how they are linked.

Please describe briefly how gender development and sexuality have been used strategically in marketing and/or politics to sway the popular view. Be sure to differentiate between the two or speak directly as to how they are linked.

2. Our understanding of parental and peer influence is essential in the development of an adolescent’s lives. How do you think parents today can better equip their teens to navigate through this world as related to peer pressure, self-esteem, and self identity? Be sure to use notes related to identity and self in your response.

Major Paper 2: Argument-Driven Analysis Of Montana 1948

WR111

Major Paper 2: Argument-Driven Analysis of Montana 1948

Purpose/Goals:

This paper builds upon the summary and analysis skills that you have been working on since the start of the semester, and it allows you to develop a theme-related argument about Larry Watson’s novel Montana 1948. You will support your claim through the close analysis of selected passages from the novel, which will serve as evidence.

Assignment:

Choose one of the themes listed below that we have generated in class and then construct an argument about it based on your analysis of the theme. If you’d like to write on a theme not listed below come discuss it with me first.

Themes: Family loyalty ..TBD

Guidelines and comments (we will be covering these more fully in class):

Thesis Statement: Your argument should be presented as a thesis statement or claim, which is a provable, debatable opinion, rather than a statement of fact (Frank killed Marie) or a belief (Frank shouldn’t have killed Marie). A strong claim answers the question “So what?” Why is this worth arguing?

Evidence: Your argument will be supported by quotes from the novel, which you will analyze. Choose your quotes carefully and make sure to explain how they illustrate the point you’re making.

Focus on the novel: This paper is an analysis of the novel, so keep your attention on the text and don’t bring in outside sources or personal experiences. If the theme you chose is racism, for example, your paper should analyze some aspect of racism in the book, rather than arguing that people shouldn’t be racist.

Structure: You will need transitions to move your argument from point to point, but be careful not to make it sound like a list (first . . . second . . . then . . .finally). Make sure each paragraph has one idea all your points clearly relate to it. Assume your readers are not familiar with the novel, but provide only enough summary so that they can assess your argument.

Formatting and Submission: Papers are due electronically as Word documents and should be formatted in MLA style, including proper headers, double spacing, page numbers, and in-text citations rather than footnotes (see handout on Bb). Length: 500-750 words (2-3 pages)