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澳洲FOBE302 科目 case study代写

    FOBE302 Semester 1 2013
    Case Study
    We have a couple in their early forties. David has his own IT business where he travels to peoples’ homes to fix their IT problems. After his business expenses he earns $85,000 before tax and any other deductions.
     His wife Jennifer works in media earning $135,000 p.a. before tax.  It is her second marriage.
    They are paying off a mortgage of $850,000 on their own home which is now worth $950,000. The mortgage costs them $5,895 per month at a rate of 5.60% over 20 years. It is a standard principal and interest loan. They have owned the home for 3 years.
    They have three children a 16 year old, 14 year old and a 10 year old. They all go to private schools at a cost of $65,000 p.a. Payable at the beginning of each term. There are four terms in the year
    He has a Self Managed Superfund with $65,000 in cash. He also salary sacrifices a further $5,000 above the 9% p.a.
    Her superannuation has $167,000 in a Capital Guaranteed Fund. She also salary sacrifices $10,000 p.a.
    They have a joint savings account with $20,000 for emergencies.
    He has a term deposit for $10,000 in case he needs cash for the business.
    They have, as joint tenants, an investment unit in a seaside town.  They receive $255 per week rent. It is managed by an agent for 7% of the gross rent. The unit is currently worth $215,000 and they have a fully drawn line-of-credit for $155,000. The interest rate on the Line-of-credit is 5.65% p.a. paid monthly. They purchased the unit 5 years ago for $165,000.
    One of David’s clients has suggested he invest in a new venture that will improve fuel efficiency in cars by 70%. The client has told David that he can expect to quadruple his money in 12 months but that he must invest within the next week as other investors are very keen and if David delays he will miss out.
    There are three personal loans
    ·         The first has one year left with a payout of $3,700, an interest rate of 10.60% and there is an early repayment fee of $550. The monthly payment is $325.50.
    ·         The second has a monthly payment of $437.50 and has four years left with a payout of $16,900 and there are no early repayment charges.
    ·         The third has 18 months left with a payout of $8,123, an interest rate of 11.15% and an early repayment fee of $325.
    Their credit card has an outstanding amount of $36,450.55 and they make the minimum payment of 3.5%.
    They are concerned that although they feel they should be doing better the credit card keeps getting worse each month and that schools fees are due for next term and they do not know where the money will come from.
    He has younger brother who is living with them, but does not contribute to the household expenses, and is trying to save to buy his own property. He is an apprentice earning $21,500.
    His mother has asked David to be executor of her will. She has been diagnosed with an inoperable brain tumour. Both David and Jennifer have wills executed prior to their marriage.