These clients are both looking to have an active retirement. Client 1 is much closer to retirement and she is looking to utilize the Transition to Retirement program offered by her company. She wants to live a moderate lifestyle and do a bit of traveling. Both her and her partner have very good savings already and continue to add to it until they are both fully retired. With the amount of money already in their savings I think she can be a bit more aggressive to save more before her retirement. She already sees herself, as a moderate to high risk taking and clearly having more money for retirement is a good thing. We also want to make sure she has enough money to spoil her grandchildren as much as possible. I would put her current risk …show more content…
Historical Returns on Three New Investment Vehicles for DW Retirement Plan Large Cap Mid Cap Small Cap Year US Stock US Stock US Stock 5 14.03% 16.99% 16.12% 4 30.11% 35.05% 35.91% 3 10.97% 13.31% 6.10% 2 -1.34% -1.79% -5.16% Last Year 10.21% 12.40% 16.56% AM 12.80% 15.19% 13.91% SD 10.11% 11.81% 13.57% The rate of return was found for these three allocations by finding the arithmetic mean. This is the average of the last 5 years. The standard deviation was then found by using the standard deviation functions in excel. As we can see, these three allocations have the highest rate of returns of all the available allocations. These allocations also have very high standard deviations, which make them more risky than any of the other allocations. These are a good example high risk, high reward. You can from the chart that four years ago these stock options were very good and then 2 years actually had a negative return. These 3 options would be very good for someone with a high-risk tolerance and someone who is looking to make a big return and knows things can go wrong. Both Client 1 and Client 2 will be great candidates for some of these allocations. The rest of the allocations available to these clients are listed below, along with their expected return and standard deviation. Expected Standard Asset Classes Return1 Deviation2 Domestic Equities US Large
This written assessment is deliberation of legal advice for the client, James, based on his dispute with his neighbour Lisa; this shall be achieved by means of critical analysis and full reference of pertinent authority to complement the scope of case facts.
Chronic pain is best acknowledged by understanding the person and how they live. Client A (as he will be known) lives with pain on a daily basis, as do thousands of people. Currently, Client A is trying to deal with high stress levels and this is affecting his work and personal relationships, as well as life in general. So what is happening to Client A from a biological, physiological and social aspect and how can these changes affect the musculoskeletal system enough to create pain? Client A did not wake up one morning and his pain began. His pain journey is a process of ………changes. began developed needs to begin with confirmation that his pain is real and what he is experiencing is normal but his actual journey is unique to him. As a therapist, it is about recognising specific mechanisms and understanding how they
Overall, I thought the website gave some great and helpful information regarding interventions that can be addressed for cancer. Although, there are certainly some areas I believe that could be addressed better or explored in greater depth. In all three cancers small media, client reminders, and one-on-one education seemed to be the best intervention approach. Brochures, calls, and assistance scheduling are all specific small media that are being utilized to better help and remind people for cancer screening such as mammograms, pap tests, and fecal occult blood tests. I liked the way the website described using supporting materials such as the small media and reminders to help advocate for one-on-one educational appointments. These are very useful and I certainly understand why through a number of settings these messages can be used to overcome barriers and motivated the population to be screened for cancer. Reducing client costs and client incentives are two areas that definitely need to be studied closer. These areas are vital to help increase the participant screening. The studies from breast cancer show that client vouchers and state benefits deemed helpful, therefore; further studies need to use this information as a guide to help with cervical and colorectal cancer incentives. As a unit manager in a hospital setting, I think that incorporating media, incentives, and education are vital. These interventions can be used with patients and their families in order to
P: Client has decrease avoidant reactions (i.e. hiding and isolating) from 6x a day to 2x a day.
Section A: The client which I worked with, R, was brought in by staff at her group home with the knowledge and agreement of her brother. The client in question began having an exacerbation of her psychotic symptoms which was observed by staff at the group home where she lived as well as her visiting nurse. The behavior which led to concerns included increasing self-neglect by the client who was notably not performing hygiene activities. The client was also reported to have struck her visiting nurse and to have been smearing fecal matter. The client is in her mid-sixties, is divorced, and has a son, three grandchildren, and two
The ethical dilemma that continues to plague the practice of psychology involves asking tough questions about who a psychologist really works for. Aside from simply presenting an interesting debate, such inquiries highlight important inconsistencies between the ethical standards and government legislation, particularly with regard to the obligations relating to the preservation of clients’ rights to confidentiality and the duty warn of a potential threat or danger. Confidentiality, by definition, requires the discrete maintenance and privacy of intimate conversations that envelop the therapeutic relationship. However, there are certain limitations to confidentiality in practice. One such limitation concerns to the duty to warn and protect potential victims when a client threatens physical injury or harm to an identifiable person or group. The legalities of the duty to warn originate from the Supreme Court rulings in Tarasoff v. Regents of the University of California (1976). The implications of this judgment, while seemingly logical, present unique challenges in psychology simply because it significantly altered modern legislation by placing public safety ahead of clients’ civil rights to confidentiality.
Shawnee started the call strong. We did a good job being solution driven in guiding the call in the right direction. We did a good job having building rapport by leveraging the client's name and having an organic conversation with the client. We did well follow the correct procedure. We concluded the call strong.
b. Plot the CAL along with a couple of indifference curves for the investor type identified above. c. Use Excel’s solver to maximize the investor’s utility and confirm that you get a 50% allocation in stocks. 3. You can invest in a risky asset with an expected rate of return of 20% per year and a standard deviation of 40% per year or a risk free asset earning 4% per year or a combination of the two. The borrowing rate is 9% per year. a. What is the range of risk aversion for which a client will neither borrow nor lend, that is, for which the allocation to this risky investment is 100%? b. Draw the Capital Allocation Line. Indicate the points corresponding to (i) 50% in the risk-less asset and 50% in the risky asset; and (ii) -50% in the riskless asset and 150% in the risky asset. c. Compute the expected rate of return and standard deviation for (i) and (ii). d. Suppose you have a target risk level of 50% per year. How would you construct a portfolio of the risky and the riskless asset to attain this target level of risk? What is the
although seemingly simple, can have a significant impact on the client and the level of service
One half of the MS Society’s mission is to enhance the quality of life of the people affected by Multiple Sclerosis. They achieve this by placing a heavy focus on client services. The Client Service (CS) Coordinator meets with individuals one-on-one to help them, provides outreach sessions in the cities in our chapter area, plans events to educate about treatment, and research, and plans events to bring families together who are affected by the illness. A large part of my work term was focused on supporting these initiatives and accompanying the CS Coordinator on her outreach sessions and events. MS can affect how people talk and how they interact with people. This experience allowed me to understand how to interact with vulnerable populations
We assumed that our clients are a married couple, who are 55 years old, and based on that we calculated their total income, costs, as well as the expected return of the portfolio based on their retirement demography. According to the US Census Bureau, Americans now have an average retirement age of 62.9, and an average death age of 78.7. Thus, our clients have to work for 7.9 years before they retire, and they have 15.8 years of their retired lives. We assumed that our clients have the average savings for 55-year-old couple of $117,000 and annual salary of $60,580, and we also presume their incomes do not increase anymore. Considering pension and social security income, the couple will have a total income of $1,392,281.20 till they pass away.
At each session, David has been dressed appropriately for the setting, weather, and appeared his stated chronological age. Typically, the client wears t-shirts, a jacket and cargo pants with sneakers or boots. The client has multiple tattoos on his forearms and upper chest and neck area that are typically visible during sessions. He is of average stature and would be considered average weight. David appeared to have normal grooming and hygiene habits. Speaking for his posture, the client typically displayed a normal posture, however he slouched back or tensed when trying to recall his past or traumatic memories.
Discuss (don 't list) some challenges and strengths you might encounter in working with clients living in rural areas. How might you help rural clients overcome some of these challenges they face?
The remaining alternatives for this client are to invest in U.S. Rubber, a market portfolio, and a 2-stock portfolio of High Tech and Collections. The expected rates of return are 9.8% in U.S. Rubber, 10.5% in a market portfolio, and 6.7% in the 2-stock portfolio.
When customers come to place an order, they are either directed to the marketing classroom or someone is called to the school office to meet with them. When in the classroom, the customers see first hand how the product is made. They see students diligently weeding vinyl, pressing articles of clothing, and laying banners out. This is interesting to the customer because they like to see how their product is made. This also endears them to the marketing program as a whole because they see the students who benefit from their purchases.