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According to the watchdog Men's UA Curry 4 Mid All Star Shoes White Blue , general advice fails to take into account the consumer鈥檚 personal situation, while personal advice from a licensed financial adviser Melbourne must.

An individual giving general advice does not have to be well trained nor hold qualifications, and has no obligations but to promote the product that they work for.


Institutions are free to sell their products, but the concern is under the 鈥済uise of advice鈥?that they are selling them through.


ASIC looked at a number of cases of personal versus general advice and found some concerning results for high profile banks including Westpac related superannuation accounts.


The commission alleges that during a series of telephone campaigns between Jan 2013 and Sept 2016 Men's UA Curry 4 Low Shoes Red Black , Westpac Securities Administration Limited (WSAL) and BT funds Management Limited (BTFM) provided advice on personal financial products. These included recommendations being made for customers to move out of their other superannuation funds into Westpac-related superannuation accounts.


WSAL and BTFM are not actually permitted to provide personal financial product advice under their Australian Financial Services License (AFSL).
Although ASIC cannot change the law, cases such as these will let institutions know they cannot cross the line. Westpac maintains its determination to fight ASIC鈥檚 interpretation of what 鈥済eneral vs. personal advice鈥?is. The real risk lays in the risk to consumers when they do not know how to distinguish if they are receiving financial advice or just product information.


Sometimes in a one-on-one conversation, general advice warnings don鈥檛 not stop someone from straying into personal advice, and most of the time the person having the conversation will likely consider that they are receiving personal advice.

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But when we talk about life spans, pool enclosures鈥?lasts for about five to twenty years. Various materials used in construction and maintenance make a different impact. A Pool enclosure is a big investment in yourself. This article will explain how long a pool enclosure can last and helps you decide what kind of enclosure you鈥檙e going to invest in for the protection and safety of your family.


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When it comes to construction, we value your time, money and privacy; our staff works in a fast-paced Men's UA Curry 3 Mid Shoes Black , efficiency and with respect towards you, the homeowner. As native residents we all know too well what destruction that hurricane season can bring and we work with our great engineers to build a pool cage that has resilience to handle severe Florida weather, but still gives a pretty view. Just ask us about our upgraded construction materials such as our highest-grade screen, super screen; or add Florida glass to your cage.


Want to start constructing your pool screen enclosure? Call Aluminum Master LLC at (239) 449-9934 today for a free estimate. We also give our services in Bonita Springs cheap under armour thrill 3 mens , FL, Estero, FL and Marco Island, FL. For more details and services you may visit our website Total Views: 12Word Count: 360See All articles From Author


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