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1、Planning action plan 1.1 Likely resources to be usedhttp:/.hk/translate?hl=zh-CN&langpair=en%7Czh-CN&u=http:/www.rbs.co.uk/business/savings-deposits/g3/current.ashxhttp:/www.fairinvestment.co.uk/halifax_interest_rates.aspxhttp:/www.fairinvestment.co.uk/nationwide_interest_rates.aspx&rurlhttp:/ Strat
2、egy for carrying out report and how the project will be managedNow, I will analysis the situation about Alexander and all his family. First of all, his children, the 3 kids go to the private school, it cost lots of money. Then, His mortgage has a big problem, that impact the life of all his family.
3、Then, consider Alexander did not to conduct the insurance and saving. His property has large risk. Indeed due to his age, his long-term invest must taken to conceded. Well, now, I will offer some particular information to analyze these problems.First of all, If he wants to have some profit with his
4、existing property, he must grasp nowadays, the interest rates of main banks.Like HSBC.Competitive HSBC interest rates are available with the savings and current accounts on offer from HSBC. The interest rates available vary depending on the type of account you choose. Accounts include: CurrentAccoun
5、t Advance - For all your day to day banking needsCurrent Account Advance - For all your day to day banking needs PlusAdvance Account - For all your banking needs with added rewardsPlus Advance Account - For all your banking needs with added Rewards Online Bonus Saver - Great interest rates with adde
6、d bonuses!Online Bonus Saver - Great INTEREST rates with added bonuses! Sainsburys BankOne of the best Sainsburys Bank interest rates comes with its Internet Saver account. The benefits of the Internet Saver include:Competitive AERCompetitive AER Easy to opEasy to open Up to three withdrawalsUp to t
7、hree withdrawals Flexible can be opened for a specific purpose like a wedding or holiday to help you keep track of savings Flexible - can be opened for a specific purpose like a wedding or holiday to help you keep track of savings Can be opened for Can be opened for 1 With the Internet Saver, you ca
8、n check balances, set up payments and transfer money at any time using Sainsburys Banks secure online banking service.With the Internet Saver, you can check balances, set up payments and transfer money at any time using Sainsburys Banks secure online banking service. Or try the Sainsburys Easy Saver
9、 for an interest rate guaranteed to be at least 2% above the Bank of Englands base rate plus up to five withdrawals in 12 months!Or try the Sainsburys Easy Saver for an interest rate guaranteed to be at least 2% above the Bank of Englands base rate plus up to five withdrawals in 12 months! CitibankT
10、he Citibank interest rates you are offered will depend entirely on what type of account you go for. Citibank has a range of different products - one of its savings accounts is the Flexible Saver fixed rate account. The benefits are: Competitive introductory rate standard variable thereafter Competit
11、ive introductory rate - standard variable thereafter Easy Access Easy AccessNo withdrawal penaltNo withdrawal penalties 24 hour internet and telephone banking24 hour internet and telephone banking NationwideNationwide interest rates vary depending on what account you choose. Whether you are saving o
12、r just day to day banking will make a difference to your Nationwide interest rates. The variety of accounts offering different interest rates includes fixed rate accounts andvariable rate accounts - like the Nationwide e-Saver.The variety of accounts offering different interest rates includes fixed
13、rate accounts and variable rate accounts - like the Nationwide e-Saver.LloydsLloyds TSB interest rates vary depending on the kind of Lloyds TSB account that you are looking at investing in and on the current base rate of interest set by the Bank of England. When looking at Lloyds TSB interest rates,
14、 be sure consider the following: Lloyds TSB interest rates are applied to your money from the day a cheque is paid in to your account, to the day it leaves. So you can start earning interest as soon as you get a cheque and keep earning on money that you have paid out during the time it takes for tha
15、t money to get to where it needs to be. Lloyds TSB interest rates are applied to your money from the day a cheque is paid in to your account, to the day it leaves. So you can start earning interest as soon as you get a cheque and keep earning on money that you have paid out during the time it takes
16、for that money to get to where it needs to be. Fixed rate accounts may have appealing and high interest rates, which will remain constant over a fixed term, after which they will revert to a tracker rate. Fixed rate accounts may have appealing and high interest rates, which will remain constant over
17、 a fixed term, after which they will revert to a tracker rate. Tracker rate accounts change in accordance with the base interest rates fluctuations, so that you benefit from interest rate rises. Tracker rate accounts change in accordance with the base interest rates fluctuations, so that you benefit
18、 from interest rate risesThen ,insurance is very important and necesarry to his familly.The life insurance can choose FIRST DIRECTs policyThe particular policy is below:Life InsuranceOurs is a people policy, cover from as little as 5 a month (minimum premiums apply).And the home insurance usually ca
19、n choose many banks serviceAnd i will give the example about FIRST DIRECTSo, Their particular method is below:Home InsuranceReceive a 25% discount - equivalent to 3 months free cover when you buy a new Home Insurance policy (minimum premiums apply).Exactly to say , this bank even has many favourable
20、 policy on saving.I will show the information which comes from the net.Offset savings - benefit from the equivalent of up to 6.33% AEROffset your savings and current account against your firstdirect offset Mortgage making it the smartest way to save.Think carefully about securing other debts against
21、 your home. Your home may be repossessed if you do not keep up repayments on your mortgage.Saving also is a key word.It can help Alexander and all his famillies find a right way to solve the problemRegular Saver Account - 5.00% AER fixed 5.00% gross p.a.Get the habit - commit to save monthly for 12
22、months and benefit from a really great rate. Amounts from 25 up to the maximum monthly balance - no withdrawals permitted unless you close the account. Monthly payments must be paid from a 1st Account Fixed Rate Savings March issue - 2.60% AER (2.60% gross p.a.) fixed until 31 March 2011With our Fix
23、ed Rate Savings product you can protect yourself against interest rate cuts. Rate available until 31March2010.Cash e-ISA - 2.75% AER (2.72% tax-free) fixed until 31 August 2011 before reverting to our standard variable rate, currently 0.20% AER (0.20% tax-free)A simple tax-free way to save.Money Mar
24、ket AccountDeposit 2,000 or more on the Money Market with HSBC. Fixed agreed personal interest rates over fixed terms up to five years with no risk. For deposits of 50,000 or more we also have a variable rate option. Everyday e-Saver Account - 0.25% AER 0.25%grossp.a.Prepared to manage your savings
25、online? Want easy access with no penalty if you have to take some out?Earn an extra 1% AER/gross bonus interest for 12 months on new balances with our Savings Balance Transfer offer.Bonus Savings Account up to 0.20%AER (0.20%grossp.a.) variable with a conditional bonus in months you dont make a with
26、drawal or up to 0.15%AER (0.15%grossp.a.) variable in months you make a withdrawal.The bonus is paid each month where no withdrawals are made.Earn a competitive rate of interest on savings over 3,000 - and a monthly bonus in any month you dont make a withdrawal.Savings Account - 0.05% AER 0.05% gros
27、s p.a.Manage by phone or online.Earn an extra 1% AER/gross bonus interest for 12 months on new balances with our Savings Balance Transfer offer.And the FIRST DIRECT also has a very good service that is about mortgages.I am sure that this mortgages will help Alexander with his out standing mortgages.
28、Now I will explain it detailed.The information is come from the net and official website of (FD)Our latest mortgage offersIf youre in the market for a mortgage right now have a look at the rates that first direct offer.first direct offset MortgagesOffset Mortgages from first direct are designed to m
29、ake your life easier, so you can get on with the important things.first direct Repayment MortgageThis is a straightforward mortgage where your monthly payments cover both the interest and part of the capital.1.3 How the project will be managedproviderTax Free SavingsBest returnChildren HSBCCash e-IS
30、AVariable Rate Cash ISA Fixed Rate Cash ISAFixed Rate Saver (previously known as High Interest Deposit Bond)Savings for childrenRBSFixed Rate BondsChildren savings accountsLioyds TSBISA Tax Efficient SavingsAdvantage SaverChildrenssavingsBarclaysCash ISA - Golden ISA - Issue 2Fixed Rate Investment I
31、SAAbbeyDeferred Interest Deposit AccountBase Rate TrackerAlliance&LeicesterFlexible ISAFixed Rate BondsInsurancesIncome lossHealth problemDeathProperty damageHSBCHSBC Life ChoicesHSBC Life ChoicesHSBC Life ChoicesHome InsuranceBARCLAYSinsurance for studentsLife Insurance from Avivadecreasing term li
32、fe insurancelevel term life insuranceLloyds TSBLife and Critical IllnessHome，CarTravel，Provide Type Project Alliance&LeicesteLife insuranceHelp protect their financial future with life insurance. To help provide you with the protection you need, Santander has chosen to work with Bright GreyAlliance&
33、LeicesteHome insurance25% discount if you apply onlineOur cheapest quote from our selected panel of insurers. Friendly UK based contact centres.New for old cover conditions apply. HSBCHome InsuranceApply today for a new HSBC Home Insurance policy and get 12 months cover for the price of 10 as well a
34、s an Unlimited Buildings sum insured.HSBCLife, Serious Illness, Sickness and Unemployment* CoverUnemployment cover must be purchased with Sickness, Life or Trauma Life Choices policies.HSBCStudent InsuranceCover your possessions while at university with Student Insurance from HSBC Bank.RBSHome insur
35、anceRBSLife insuranceProtect your family - plus guaranteed acceptance for over 50s.RBSIncome protectionLong-term illness or accidental injury could play havoc with your finances.AbbeyHome InsuranceIf youre looking for great value home insurance, we search a panel of insurers to get you our cheapest
36、quote, so you dont have to.AbbeyLife insuranceHelp protect their financial future with great value life insurance.Lioyds TSBHome InsuranceLioyds TSBStudent InsuranceLow cost rates, Cover for your possessions whether you live in halls of residence, a shared house or a student flat, Cover against walk
37、 in theft.Lioyds TSBLife & Critical Illness InsuranceWhen it comes to looking after the important things in life, family comes first. Protection for Life is all about planning ahead by providing financial security for you and your family.BarclaysSelf-Employed Insurance If youre a sole trader or busi
38、ness with up to five employees, either working from home or a third party site, this could be for you.1.4 Timescales for project 1st week Find Alexander are faced with the problem.2nd weed Search the sources of information.3rd weekCase report was changed by deleting the question does not meet4th wee
39、k Modify and perfect the action plan5th weekAnalysis the information about Mortgage through the internet and notebook6th weekSort out the useful information and the most suitable service ,find the best way to help Alexander solve the problem about his fixed property7th weekComplete the insurance pro
40、vider and find out which one is the most suitable8th weekDue to the practical situation of Alexander, record the effective ways.9th weekLookup all types of savings, come to understand the providers production and what the difference is.10thweekTo aim at some doubtful points, call the hotline of bank
41、s and solve them.11thweekModify the development stage12thweekCriteria for Evaluation，changes made during project compared to original action plan，effectiveness of process.13thweekTo conduct the final processing of the report. 14thweekMake form and does action plan, got the conclusions.1.5Sources of
42、informationI use all of secondary data close form the internet, and a bit of form teaching material. Search the information on internet; call the hotline to asking what I want. Go to the library and look the notebook, learning the policy of each kinds of banks and insurance company. Developing Case
43、study Report.2.1 Key factors in case study.Alexander is the Company Director and Chief Executive of a software company and he set up seven years ago with his best friend, James Emerson. Alexander draws a salary of 420,000 per annum from this company . And his wife Janet, who is paid a salary of 55,0
44、00 that works as Alexanders personal assistant. It is easy to see that this couple has a high income; accordingly, I reckon my customer might take some money to invest that to ensure he is receiving the beast returns on his savings.From the case study we can point out that Alexander is aged 48 and h
45、is wife Janet is 44 years old, so they need considering retirement Because of their age. Moreover, they have 3 children, Adam, Sheila and Carina, aged 14,10and 3respectively, while, the tow older children need pay school fees about 3,000 per child per annum. Consequently, childrens education fee can
46、 not be ignored.Because Mr. Flynn and his wife are in middle age, so the health problems should pay more attention. Both of them are the main source of economic at home, the children will be helpless if they had any serious illness. So, the serious medical costs ，life protection and retirement prote
47、ction should to consider.Last but not the least equal amount of attention should be mentioned that my customer has lived for over six years in a large six-bedroom, which have an outstanding mortgage of 450,000 on the property. The mortgage was taken out over 20 year on an endowment basis but they worry about they cant return principal, so they need change a mortgage