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The difficult gap between general and personal advice: Practical implications for advisers In May 2019, ASIC released its Mind the Gap report on financial advice, which explained that many consumers – that is, retail clients – are confused by the important distinction between general and personal advice. A Under the Corporations Act 2001, ‘personal advice’ considers the retail client’s objectives, financial situation and needs; alternatively, it is advice where a ‘reasonable person’ might expect the adviser to have considered one or more of those things. ‘General advice’ is advice that is not personal advice. The distinction matters because financial advisers’ obligations vary depending on whether the advice is general or personal. Among other things, general advice requires a general advice warning, while in the case of personal advice, the adviser must provide a ‘Statement of Advice’. Advisers would be aware that personal advice ....
Exclusive Paul Gosar: Big Tech Getting 15 Percent Discount to Hire Foreign Workers over Americans ORLANDO, Florida Rep. Paul Gosar (R-AZ) warned that big tech companies are incentivized to hire foreign workers over Americans as he discussed President Joe Bidens immigration agenda during an exclusive interview with Breitbart News at the Conservative Political Action Conference. Gosar highlighted continuing visa programs he says dont work, particularly the Optional Practical Training (OPT) program for crowding Americans out of tech jobs while tech corporations profit. In 2019, Gosar introduced legislation titled the Fairness for High Skilled Americans Act to end the OPT program as Americans cannot be hired through the program. ....
Clutter can make our homes feel disorganized and overwhelming. It creates a stressful environment that can take its toll on our well-being. A good declutter can be great for our mental health, restoring order and clarity in our minds as well as our living space. But getting started can feel overwhelming. That s why we examined the top 5 tips from different locations around the world for keeping the clutter away. We ve illustrated some simple tips from the USA, UK, Scandinavia, Mexico, and Japan to inspire us all to keep a tidy and clutter-free home. Each of these global styles will open your mind to new ways to keep your home neat and tidy, helping you love where you live. Claim your home back from clutter today! ....
National February 22, 2021 QUETTA: Minister for Interior Sheikh Rashid Ahmed Sunday said that all possible steps were being taken to ensure peace in Balochistan in order to put the province on track of development. The full implementation of all points of the National Action Plan will be ensured, he said while visiting Headquarters Frontier Corps Balochistan. He said that inter-provincial liaison would be further improved for the betterment of law and order situation. The minister called on IGFC North Major General Muhammad Yousuf Majoka. He also praised the role of Frontier Corps Balochistan in maintaining law and order situation in the province. He laid a floral wreath at the Martyrs’ memorial on his arrival at the headquarters. A detailed briefing was given to the interior minister on the issue of the law order situation. ....
Trend: Having taken practical steps to achieve strategic goals related to the future of our country, we signed important documents, President, Victorious Commander-in-Chief of the Armed Forces Ilham Aliyev said making a speech after raising the Azerbaijani flag in the village of Gulabir, Trend reports. The overall significance of the Patriotic war lies in the fact that we have liberated our lands from occupation, expelled the enemy from our lands, and also restored the territorial integrity of the country. We have demonstrated to the whole world the power of our people and state, have shown the unwavering spirit of the people. At the same time, having taken practical steps to achieve strategic goals related to the future of our country, we signed important documents. The joint statement signed on 10 November ensured the return of Lachin, Kalbajar and Aghdam districts, of course. We returned these lands without a single shot being fired. At the same time, it is this stat ....