hnd金融大综合

1、HND金融大综合2.1 The demands of these consumer can divide into savings, mortgage needs and protection needs. 2.11 The demands of savings. The cost of daily life, the cost of three children, the crowd of high income, The surplus income need to save. 2.12 The demands of protection needs. Flynn has an outst

2、anding mortgage of 450,000, and this couple has recently decided to build an extension to their home at a cost of 300,000. The demands of protection needs. 2.13 The adults is more old than yesterday, and the state of health of them we all do not know. They all need some help to get guarantee to ensu

3、re their cause. The children of Janet need a good environment to grow. And their family should protect their property. 2.22.3 The cost of daily life. Every family all need this for spending. If there is not a particular plan, this family will be faced with many problem. So the current account is the

4、 best choose. The education cost of Flynns three children. All parents want to their children have a perfect childhood to the benefit of their future. So have a whole educat ion is necessary. So a good family affirm draw up a plan for their child ab ovo. We need to choose educational endowment. Jane

5、t work as Alexanders personal assistant. As his assistant she is paid a salary of 550,000 per annum. So he is belong to the human of high income. They also need to rate payment very much. But we can take steps of avoid the tax, and find the product of tax exemption. So the fixed interest savings cer

6、tificates is best fit for us. Like the high income crowd. Then have a large of money can not use. So the last money we will save it. The best way is save it in fixed deposit. Fixed deposit is our good choice. Flynn has an outstanding mortgage of 450,000 on the property. And the loan of he has loss o

7、ccurrence. So the best way perhaps change it to capital and interest mortgage. Because it can reduce the lose. Flynn has recently decided to build an extension to their home at a cost of 300.000. But he does not have mortgage to get loan. So he only to get it by himself. When the adults grow older.

8、Everyone all want have a guarantee for themselves. Even if has an accident in the future. But can not get so much attack. So they need to buy the insurance of term insurance. Ditto. When the adults grow older. The health of themselves is more and more to hard to know. And their body can not get some

9、 serious attack. So they are better to buy the insurance of accident insurance. No matter what man or women. They have the cause of themselves. So they also need to buy the insurance of enterprise insurance. The three children of Janet. They are young. So they need a guarantee for their growth life.

10、 Prevent happen something we don not want. The accident insurance is very good. Because the children are very naughty. Every family has their own economy. And must protect their income to hold the cost of everything. I think the property insurance is the obbligato for every family. 2.4 Alliance Leic

11、ester plc Alliance Leicester plc(LSE:AL) is a British bank, formerly a building society. It was formed in 1997 by the flotation of the former Alliance Leicester Building Society on the London Stock Exchange. It is listed on the FTSE 100. its headquarters are in Carlton Park, a business park in Nar b

12、orough, south of Leicester in England. HSBC Headquartered in London, HSBC is one of the largest banking and financial services organizations in the world. HSBC's international network comprises around 7,500 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas,

13、 the Middle East and Africa. Banco Santander Santander holds a unique position in international banking, with a solid base of recurrent retail commercial banking and a high degree of geographical diversification, which guarantees its future. Continental Europe, where the main commercial units are th

14、e Santander and Banesto Networks in Spain, Santander Totta in Portugal and Santander Consumer Finance, which has consumer finance operations in 19 countries. Lloyds TSB Black Horse is the leading provider of finance at Point of Sale in the United Kingdom. Available through 13,000 dealers and retail

15、stores around the country, every year Black Horse helps 1 million personal and business customers buy their car, caravan, motorhome, motorcycle or to fund the purchase of home improvements or something special, such as an exotic holiday. With the backing of the Lloyds Banking Group, Black Horse has

16、over 50 years experience and is committed to customer satisfaction. Halifax bank This site is intended for UK residents unless otherwise stated. Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, HBOS Investment Fund Managers Limited, Halifax Life Limited and Halifax Share Dealing

17、Limited and St Andrews Life Assurance plc are authorised and regulated by the Financial Services Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS. They are entered in the Financial Services Authoritys Register and their Register Numbers are 169628, 119223, 171881, 183332 and 189101. T

18、his is an English language site, all contracts will be in the English language only. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Copyright ? 2010. All rights reserved AVIVA Aviva is a leading provider of life and pension products in Eur

19、ope (including the UK) with substantial positions in other markets around the world, making it the worlds sixth largest insurance group based on gross worldwide premiums at 31 December 2009. Our main activities are long-term savings, fund management and general insurance 1 . We have worldwide sales

20、of ?45.1 2 billion and ?380 2 billion of funds under management. We have 46,000 employees serving over 53 million customers in 28 countries around the world. AIG American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries. A

21、IG companies serve commercial, institutional and individual customers through one of the most extensive worldwide property casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on

22、the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo AVA In 1980, AXA did not exist. Over the next 30 years, the Group would grow to become a major international player. AXA announced the strengthening of its position in Central and Eastern Europe with the acquisition of

23、minority interests held by the European Bank for Reconstruction and Development (EBRD) in AXA's Hungarian, Czech and Polish subsidiaries, and a transaction, currently under negotiation, pursuant to which AXA would acquire 100% of AXA Asia-Pacifi c Holding's (AXA APH) Asian businesses while a

24、n Australian partner would acquire 100% of AXA APH's Australia and New Zealand businesses. Barclays Since the business was established more than 300 years ago, Barclays has grown to offer a range of products and services tailored to meet the specific needs of its customers all over the world. As

25、 a responsible global citizen, Barclays is committed to ensuring the sustainability of the communities in which the business operates, and strives for sustainable relationships with customers and clients worldwide. 2.5 definition current account: a current account is a money transmission service tha

26、t allows funds to be transferred to another person or company. Most current accounts are either card-based or cheque-based accounts. Because it can be used any time. instant access savings: instant access savings accounts vary considerably in terms of the interest rates they pay to savers and the ad

27、ditional features they provide. It pays the saver to shop around for the best savings deal. Because their income is high, so they need choose a fixed interest to reduce their tax. fixed interest saving certificates: FISCs provide savers with a tax-free return and offer guaranteed interest rates over

28、 a fixed term. It can ensure that they will not fell trouble when they are in trouble. term assurance: term assurance policies are the most common and cheapest assurance contracts, and the oldest types of policies in existence. Everyone all need have a guarantee life. capital and interest mortgage: a capital and interest repayment mortgag