What is the personal allowance for investment in an Individual Savings Account (“ISA”) during 2021/22?

You have been approached by a director of one of the firm’s corporate clients.  He is seeking some general investment advice for himself and his wife. He has an income of £120,000 per annum and has just received a lump sum bonus of £15,000.  His wife works part-time for a charity, earning £35,000 per annum.  They have two children, aged 4 and 6. In respect of his current portfolio, the client advises you that they have an outstanding mortgage on their main home and a holiday property in Spain, which is not mortgaged. Both clients have relatively small sums in occupational/workplace pension plans.  They are particularly concerned about their retirement provision and are considering further personal pension investment. They have about £60,000 in total, spread across several bank and building society savings accounts, but no other forms of investment. Assume that your firm is authorised by the FCA and you are an approved person. What are the four main areas or objectives that need to be considered when advising on personal financial planning?

Your client, Bigwigs Plc, is currently restructuring.  You have been instructed to do the legal work on the sale of some shares in a subsidiary and on the purchase of a target company called Bodgco Ltd.  The sale is to a director of the subsidiary, who already owns 10% of the shares and will take a further 35% of the shares.  Due to weighted voting rights on one class of shares, the 45% will give the director effective control. As he is very busy, the Chief Executive of Bigwigs Plc has arranged for you to have a Power of Attorney to sign certain documents on his behalf. What initial steps would you take in this matter to comply with your obligations under the anti-money laundering regime?

In Spanish, list 5 objects from Module 4 that would be in ‘la sala’.   Do not repeat any vocabulary you used to answer the previous question about ‘la cocina’.

   QUESTION 2     L’influence de la télévision sur nos enfants   2. Écoutez le passage et choisissez la bonne réponse. (4) 2.1 La télévision est l’un des médias qui a le (a) [ans1] d’influence sur les enfants. (1)  2.2 Les enfants passent (b) [ans2] devant le petit écran. (1) 2.3 (c) [ans3] facteurs jouent sur l’influence de la télé sur les enfants. (1) 2.4 Si les enfants regardent (d) [ans4] la télé peut être un facteur d’influence important. (1)

4.2 Selon le texte, sur quelles plateformes peut-on avoir accès à Internet? (3) 

   QUESTION 3     La vie sans internet   3. Écoutez le passage. Complétez les phrases suivantes selon le sens du passage en choisissant un mot ou une expression ci-dessous. (4)   omniprésente exclus adultes perdus deux ados quotidienne huit     De nos jours Internet fait partie de notre vie (a) [ans1] et ce sont à la fois les jeunes et les (b) [ans2] qui l’utilisent. Mais que se passe-t’il quand des familles ne peuvent pas avoir accès à Internet? Près de (c) [ans3] familles avec enfants sur 10 n’ont pas de connexion ou même d’ordinateurs ! Du coup, ces enfants sont (d) [ans4] de la société, ils ne peuvent pas faire leurs recherches pour leurs devoirs, ne rencontrent pas leurs amis sur Internet etc.  

  INSTRUCTIONS     Répondez à toutes les questions.     Vous allez écouter quatre passages. La durée approximative de chaque passage est : PASSAGE 1: 0 minute 45 secondes PASSAGE 2: 0 minute 55 secondes PASSAGE 3: 1 minute 20 secondes PASSAGE 4: 2 minutes Vous pouvez écouter chaque passage aussi souvent que vous voulez. Vous pouvez prendre des notes et écrire vos réponses quand vous le désirez.   Right-click on the button above to access the audio file.  

In Spanish, list 5 objects from Module 4 that would be in ‘la habitación’.  Do not repeat any vocabulary you used to answer the previous questions about ‘la cocina’, ‘la sala’ and ‘el baño’.

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