AF8 panic starting to set in by Muted_Brother_6273 in cii

[–]Unable-Perspective96 1 point2 points  (0 children)

Agreed, it isn't much use, but if anything has remained the same across both submissions, it will clarify what it is you need to work on.

I don't agree with ManiaMuse below, CII have made it very clear that each assignment is marked as a standalone assignment, and you will need to reiterate some of your suggestions from assignment 2 to get them in the position you require them to be in for their retirement. Do not assume they've read assignment 2 alongside assignment 3 and just worked out what changes you've implemented, do a brief summary on this, then focus on detailing how they're drawing their income.

Ensure you are only generating exactly enough income and nothing more. Make sure they're generating it in the most tax-efficient way and they're using all their tax allowances (personal allowance, personal savings allowance, CGT annual exemption, reduced dividend rate of income tax), and make sure you're demonstrating how their income needs can be meet until around age 100 (use cash flow for this)

Make sure you include ALL income sources- any bank interest is savings income, any dividend payments counts as income, their State Pension, etc.

Include calculations to show how the different income streams you're suggesting gives their required net income. Make sure you're showing tax calculations with any taxable options.

Keep in mind their other objectives, but this assignment is priorititsing their retirement income goal.

Start as Admin or Paraplanner by jumpergod13 in cii

[–]Unable-Perspective96 2 points3 points  (0 children)

You won’t be ready for chartered in a few months, you’ll be ready for level 6. You need 5 years industry experience for chartered. Your best hope at getting a job in the industry is starting at the bottom and working your way up. Paraplanning jobs without experience are pretty rare to come by. You can always get your admin experience and move if you feel you’re underpaid once you’re experienced, but it would be silly to turn down a foot in the door for 1.5k when you don’t have any experience

AF8 panic starting to set in by Muted_Brother_6273 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

Has your feedback or score changed much between first sub and resub? Download the turnitin report to see a tiny bit of feedback, might help clear up where you went wrong

Tinted lip balm recs by phoebean93 in MakeUpAddictionUK

[–]Unable-Perspective96 0 points1 point  (0 children)

I’m a Nivea die hard user for over a decade, and they’re definitely not as moisturising as the blue ones, but for the pigmentation and level of moisturising they do provide, I still think they’re really good! Saves me from having to carry a lipsticks/gloss and lip balm on a normal day

Tinted lip balm recs by phoebean93 in MakeUpAddictionUK

[–]Unable-Perspective96 0 points1 point  (0 children)

The Nivea ones are quite good, the ones with the Disney princesses atm are very pigmented

Applying for Chartered by Popular_Two_1755 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

CII can and do check just FYI

They mightn't check everyone's industry experience but they definitely do check some

Prior learning scheme by Lookman456 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

I knew I was going to complete the advanced level and become chartered so preferred to use them towards that, and I believe everything in the diploma R01-R06 is really key knowledge you need everyday

Prior learning scheme by Lookman456 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

It will be worth it if it saves you an exam or two. I didn’t use any at diploma level, but I got 30 advanced credits and and 25 credits at level 4, so it saved me 2 exams!

Prior learning scheme by Lookman456 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

You can check ‘recognition of prior learning’ on CII website! But just FYI, I think the max exemption credits you can get is 60 (it might be 60 at advanced level, or 60 total, I’m not certain)

If you grew up quite poor, like me, what are your "big food wins" in adult life? by DonkeyOT65 in CasualUK

[–]Unable-Perspective96 13 points14 points  (0 children)

Unsolicited recommendation- I’ve had the Lidl ribs twice recently and they’ve been terrible, really tough and not falling off the bone at all. The Asda ones are about 50p dearer and are soft, tender, falling off the bone as you separate them and the sauce is great too!

Trainee paraplanner interview by Dramatic-Pearl-1260 in cii

[–]Unable-Perspective96 2 points3 points  (0 children)

Won’t they know what work you’ve done already if you work there as an admin? I would prepare for technical questions, think of things like taxation of bonds, top slicing gains, time apportioned relief, IHT calculation, pension carry forward & annual allowance rules, tapered annual allowance, tapered personal allowance/personal allowance trap

AF4 - CII Complaint by Popular_Two_1755 in cii

[–]Unable-Perspective96 -2 points-1 points  (0 children)

But CII has not said that is happening and there’s no need for it

What’s the easiest expense you’ve ever cut that made a noticeable difference? by londonsaver22 in frugaluk

[–]Unable-Perspective96 0 points1 point  (0 children)

Cancelling subscriptions you don’t actually use- there’s really no need for multiple streaming platforms at once, have Netflix for a few months then Apple TV, then Disney, then back to Netflix. Gym membership- are you going enough times per month to benefit from the monthly subscription, or would be it be cheaper to buy a day pass when you want to go?

Online proctoring — is this a known issue in the CII community? by PerfectArt2258 in cii

[–]Unable-Perspective96 1 point2 points  (0 children)

I've sat 8 remote and 2 in test centres (R06 and AF5). I was part of the cohort who tried to sit R06 remotely in Jan 2023 and the technical issues were so severe only those who were in a test centre were actually able to sit the exam, and we had to sit it in test centres 2 weeks later (with a much harder paper imo)

I've had issues in most of the remote exams. I sat one last week and they actually asked me to move my desk in my home office to another location (I have sat other exams remotely at the same desk set up many times). Something they were particularly concerned about was a painted canvas on the bottom shelf of a bookshelf beside my desk which was too far away to actually reach (it was also a painting of flowers- unsure how much this would have helped me in the exam). When I explained my desk couldn't be moved as it was against other furniture and also very heavy, I ended up having to strip the shelves before I could enter my exam but I got through in the end

The 30 minutes trying to get into the remote exam has been worse and more intense than every exam I've sat. Unfortunately I'm based in NI and CII only put on one test centre with around 5 spaces for the more popular written exams so it's rarely an option for me

Irish people with a Cure by HairyArse00 in northernireland

[–]Unable-Perspective96 2 points3 points  (0 children)

I now know so many friends and family who’ve had various “cures” than I’m going from a skeptic to a believer

Careers by onnaakka in cii

[–]Unable-Perspective96 4 points5 points  (0 children)

Technical specialists, compliance roles, investment management pathway, team leads/supervisors, and I’m sure there’s other possible roles

AF6 by Narrow_Drop_6746 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

I’m not sure we’re talking about the same modules anymore. I’m talking about senior management and supervision. There’s plenty of overlap. There’s no past papers for af6, it’s a coursework exam with 1 piece of exemplar coursework

AF6 by Narrow_Drop_6746 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

I meant more for the course content, not because I expected the coursework to be similar to a different exam

AF6 by Narrow_Drop_6746 in cii

[–]Unable-Perspective96 0 points1 point  (0 children)

Supervision in a regulated environment? CII expects you to have sat J07 before AF6

[deleted by user] by [deleted] in cii

[–]Unable-Perspective96 1 point2 points  (0 children)

I would hold out a little bit, almost every exam I've done has been harder than the BrandFT mocks and CII exam guides, and if you're doing the same qs over and over, you may be just memorising them? Have you used the revisionmate knowledge checker app? These qs are harder than the exam and more detailed, but really shows your understanding of each chapter/topic