For this problem, assume a maximum front-end ratio of 28% and a maximum back-end ratio of 36%. You are ready to purchase your first home. Your annual salary is $63,000. You have been able to save $22,000 for a down payment, and the only debt you currently owe are your student loan with a payment of $220 a month and your car payment of $420 a month.
a. Given your current situation, how much can you afford for a house payment?
b. If you no longer have a car payment, what monthly mortgage payment could you qualify for, given your outstanding credit history?
Answers
Given the maximum front-end ratio of 28% and a maximum back-end ratio of 36% and other details like annual salary, down payment, and the only debt, we need to calculate the house payment and the monthly mortgage payment, as asked in the question.
(a) House payment:
Monthly Housing expenses is $1,470. In the case of the front-end ratio, the housing expenses should not exceed 28% of gross monthly income, and in the case of the back-end ratio, the housing expenses plus monthly debts should not exceed 36% of gross monthly income.
Given:
Annual salary = $63,000
First, we need to calculate the gross monthly income:
Gross Monthly Income = (Annual Salary) / 12
= $63,000 / 12
= $5,250
a. Monthly Housing expenses:
Housing expenses are not supposed to be more than 28% of the gross monthly income, hence:
Monthly Housing expenses = 28% of Gross Monthly Income
= 0.28 × $5,250
= $1,470
Therefore, Monthly Housing expenses is $1,470
b. Monthly Housing expenses plus monthly debts:
The person can afford a house payment of $1,250. Monthly Housing expenses plus monthly debts should not exceed 36% of the gross monthly income, hence:
Monthly Housing expenses plus monthly debts = 36% of Gross Monthly Income
= 0.36 × $5,250
= $1,890
Total Monthly Debts = (Student loan payment) + (Car payment)
= $220 + $420
= $640
Therefore, we get:
Maximum Housing Expenses = Monthly Housing expenses plus monthly debts - Total Monthly Debts
= $1,890 - $640
= $1,250
Therefore, given the current situation, the person can afford a house payment of $1,250.
(b) Monthly Mortgage Payment:
If we no longer have a car payment, then the person could qualify for a monthly mortgage payment of $1,670, given the outstanding credit history. Given Gross Monthly Income = $5,250
Down payment = $22,000
If we no longer have a car payment, then:
Total Monthly Debts = (Student loan payment)
= $220
Therefore, we get:
Maximum Housing Expenses = Monthly Housing expenses plus monthly debts - Total Monthly Debts
= 36% of Gross Monthly Income
= 0.36 × $5,250
= $1,890
If we subtract the housing expense and total monthly debts, we get:
Maximum Mortgage Payment = Maximum Housing Expenses - Total Monthly Debts
= $1,890 - $220
= $1,670
Therefore, if we no longer have a car payment, then the person could qualify for a monthly mortgage payment of $1,670, given the outstanding credit history.
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Related Questions
Which of the following is NOT a business function successfully using SMIS to advance organizational strategy?
A.
Logistics
B.
Customer service
C.
Manufacturing and operations
D.
Internal accounting
E.
Sales and marketing
Answers
The business function that is NOT typically associated with using SMIS (Strategic Management Information System) to advance organizational strategy is option D) Internal accounting.
SMIS primarily focuses on utilizing information systems and technology to enhance strategic decision-making and align business processes with organizational goals. While logistics, customer service, manufacturing and operations, and sales and marketing heavily rely on SMIS to improve efficiency, communication, and strategic decision-making, internal accounting is not typically a core function that directly utilizes SMIS to advance organizational strategy.
Internal accounting primarily deals with financial record-keeping, reporting, and analysis, which may involve different systems and processes compared to those directly associated with SMIS-driven strategic decision-making.
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In the supply-and-demand schedule shown above, at the equilibrium price, quantity supplied is _____ and quantity demanded is _____.
A. 50, 350
B. 450, 75
C. 200, 200
Answers
Answer:
C. 200, 200
Explanation:
sport directs and British Heart Foundation: mission, vision, and values.
Answers
Our British goal is to create a world without the worry of cardiovascular and Foundation circulation conditions. These illnesses destroy the hearts mission of millions of families and claim the lives of 1 in 4 people.
We intend to alter that. In order to permanently defeat sadness, we raise money for research into treatments and Foundation cures. According to the BBC's Royal Charter, its purpose is to act in the public interest mission while providing all audiences with objective, outstanding, and distinctive products and services that inform, educate, and amuse them. The British Heart Foundation Society seeks to promote the charity and raise funds for it.
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A popular financial strategy in which a company is acquired in a transaction financed largely by debt and eventually paid with money generated from the acquired company's operations or by sale of its assets is:_________
A) illegal in most countries.
B) a good way to build a core competency.
C) an application of the capital asset pricing model.
D) the leveraged buyout.
E) an example of internal financing.
Answers
Answer:
Option D (the leveraged buyout) is the correct answer.
Explanation:
This method includes an organizational plan's financial elements such as sales and expenditures, production planning and scheduling, investment analysis, as well as accounts receivable.An organization generally progresses an investment plan shortly after that the perspective, as well as priorities, have indeed been established.The other given choices are not related to the given instance. So that the above would be the appropriate choice.
1. Which is an example of fiscal policy?
A. preventing unions from going on strike
B. raising taxes in order to cover a budge deficit
C. Restricting the amount of money that banks can lend
D. increasing the level of minimum wage
2. Which is an example of fiscal policy?
A. decreasing the interest rates on loans charged to car companies
B. deploying troops to help citizens cope with natural disaster
C. going into debt to buy a large number of vehicles
D. limiting the number of foreign cars that can be sold in the United Stats
Answers
Answer:
A. decreasing the interest rates on loans charged to car companies
In the long run: Group of answer choices All inputs are variable. All output is fixed. Some inputs are variable and some are fixed. The firm is constrained in regard to what production decisions it can make. Some inputs are fixed.
Answers
When it comes to the long run in the production of goods and services, all inputs are variable.
Inputs in the long run.All inputs become variable in the long run. This is due to the fact that there is now time to change everything.For instance, if you needed to increase a factory's size in the short run, it would be very difficult which means that factory size is fixed in the short term. In the long term however, it becomes variable because there will be time to increase it.
In conclusion, the answer is option A.
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i need help asap Computer programs can be opened from _____.
the Start menu
the desktop
the All Programs submenu
all of the above
none of the above
Answers
Answer:
all of the above
Explanation:
this question has already been asked in brainly. Be sure to search a question before asking. Hope this helps though! :)
Regulation Z Section 36 sets forth requirements for compensating mortgage loan originators. Which statement does NOT reflect one of the requirements set forth in Regulation Z?
Choose matching definition
1. competitor's rate sheet or ad showing the advertised rate.
2. A loan originator may receive compensation from a minimum of two persons/entities in connection with the same transaction.
3. No, an MLO is prohibited from working for two companies as an MLO at the same time.
4. keeping borrower loan files at an offsite secure location.
Answers
Regulation Z Section 36 sets forth requirements for compensating mortgage loan originators, the one that does NOT reflect a requirement set forth in Regulation Z is: "4. Keeping borrower loan files at an offsite secure location."
Regulation Z does not specifically address the storage of borrower loan files. Instead, it focuses on the compensation structure for mortgage loan originators and associated practices to prevent unfair lending practices. The regulation contains several key provisions, such as:
1. Prohibiting compensation based on loan terms: Loan originators cannot receive compensation based on the interest rate or other loan terms, as this may incentivize originators to steer borrowers towards loans that are not in their best interest.
2. No dual compensation: A loan originator cannot receive compensation from more than one person or entity in connection with the same transaction, preventing potential conflicts of interest.
3. Prohibition on steering incentives: Loan originators are prohibited from steering borrowers to loans that offer additional compensation to the originator, unless the loan is in the borrower's best interest.
4. Record retention: Lenders and loan originators are required to retain records of compensation agreements and other relevant documentation for a specific period.
As you can see, Regulation Z focuses on compensation practices and protecting borrowers from unfair lending practices. It does not specifically address the storage or location of borrower loan files, as mentioned in statement 4.
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the business structure in which organizations are fictitious legal entities whose formulation complies with specific state laws is known as a
Answers
A Corporation is a business structure in which organizations are legally-recognized fictitious entities that comply with state regulations.
A corporation is an independent legal entity separate from its owners, meaning it can own property, incur debts, and be sued in its own right. Corporations are typically owned by shareholders and managed by directors and officers who are elected by the shareholders.
The benefit of forming a corporation is that it provides the owners with limited liability protection from debts and obligations incurred by the corporation.
Additionally, shares of the corporation can be sold to raise capital and the corporation can exist indefinitely. The downside of forming a corporation is that a complex set of rules and regulations must be followed in order to maintain the corporate structure and this can be costly.
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The correct option is D. The business structure in which organizations are fictitious legal entities whose formulation complies with specific state laws is known as Corporation.
An organization is an agency—normally a collection of people or a business enterprise—legal by way of the country to act as an unmarried entity (a felony entity recognized by private and public law "born out of statute"; a prison character in felony context) and recognized as such in regulation for certain purposes.10 Early integrated entities were mounted by charter (i.e. through an ad hoc act granted by means of a monarch or surpassed through a parliament or legislature).
Maximum jurisdictions now allow the advent of the latest organizations thru registration. businesses are available in many different types however are usually divided by means of the regulation of the jurisdiction wherein they may be chartered based totally on aspects: by way of whether they are able to trouble stock, or through whether or not they are shaped to make a profit. relying on the wide variety of proprietors, a company can be labeled as a combination (the problem of this article) or sole (a legal entity including an unmarried incorporated workplace occupied by means of a single natural character).
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Complete Question:
The business structure in which organizations are fictitious legal entities whose formulation complies with specific state laws is known as a
a. Subchapter S corporation
b. limited partnership
c. sole proprietorship
d. C corporation
As the wavelength of a photon decreases, its speed Group of answer choices increases increases or decreases depending on the type of radiation decreases stays the same
Answers
Whether it is visible light, ultraviolet (uv) radiation, x-rays, or any other type of electromagnetic radiation, the speed of photons remains constant as their wavelength changes.
as the wavelength of a photon decreases, its speed stays the same. the speed of light in a vacuum, which includes all electromagnetic radiation including photons, is a fundamental constant denoted by "c" and is approximately 299,792,458 meters per second (m/s). this speed is constant and does not change regardless of the wavelength of the photon.
according to the wave-particle duality of light, photons can exhibit both wave-like and particle-like properties. the wavelength of a photon is inversely related to its frequency, as given by the equation c = λν, where c is the speed of light, λ is the wavelength, and ν is the frequency. as the wavelength decreases, the frequency increases, but the speed of light remains constant. it is important to note that in different mediums, such as water or glass, the speed of light can be slower than its speed in a vacuum, but the relationship between wavelength and speed still holds true.
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How are we all connected write about how producers consumers and decomposers are connected?
Answers
We all exist within a complex interconnected web of life, where producers, consumers and decomposers are all connected. Producers, such as plants and algae, create energy from sunlight and use carbon dioxide to create food.
These producers are vital to the food chain, as they provide food and energy for consumers, such as herbivores and carnivores. Decomposers, like bacteria and fungi, break down dead producers and consumers, and return the nutrients to the soil.
Without decomposers, our planet would be overrun with decaying organic matter, and the cycle of life would be broken.
All of these living things, from producers to decomposers, are intricately intertwined, and depend on each other to maintain the delicate balance of life on Earth.
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Paris 21 co. Sold land to its 100% owned owned subsidiary. If the land is sold for a gain, from the consolidated view, when does paris 21 co recognize the gain? g
Answers
To calculate the income statement NCI, multiply the subsidiary's net income by the NCI percentage.
Example: If an organization owns 70% of his subsidiary, a minority partner owns 30% of him, and the subsidiary has a net income of $1 million. Non-controlling interest is calculated as $1 million x 30% = $300,000. A non-controlling interest (NCI) is an ownership interest of less than 50% in a company that gives investors little control over how the company operates due to the equity interest they hold. The voting percentage is used to determine if an investor has her NCI. Consolidated financial statements are prepared by each parent company that owns one or more subsidiaries.
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if sixty second avenue inc. (ssa) decides to deleverage in the future, the total number of shares outstanding will keep decreasing until creditors own 100% of the company. is the statement true or false? false true
Answers
The given statement, if Sixty Second Avenue inc. (ssa) decides to deleverage in the future, the total number of shares outstanding will keep decreasing until creditors own 100% of the company, is false.
What brings about deleveraging?Deleveraging typically takes place following a market downturn and is therefore motivated by the need to cover losses, which can deplete capital, create a less risky profile, or is necessary by anxious lenders to avert default.
How can value arise from deleveraging?Deleveraging refers specifically to the repayment of debt owed to lenders. Deleveraging, however, adds value by lowering the transaction's initial leverage, but this strategy necessitates that the portfolio firm produce consistent cash flows (i.e. be non-cyclical and non-seasonal).
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Which one of the following best illustrates an insolvent situation?
A) assets $56,000; annual expenses $60,000
B) assets $78,000; net worth $22,000
C) liabilities $45,000; net worth $6,000
D) assets $40,000; liabilities $85,000
E) annual cash inflows $45,000;
liabilities $50,000
Answers
The option that best illustrates an insolvent situation is option D) assets $40,000; liabilities $85,000.
Insolvency occurs when a person or entity's liabilities exceed its assets, meaning that they are unable to pay its debts as they become due.
Option D illustrates this situation, as the entity has $85,000 in liabilities, which is more than its $40,000 in assets.Option A describes a situation where the entity's annual expenses exceed its assets, but it does not necessarily mean that they are insolvent at that moment. Option B describes a situation where the entity's net worth is positive, which means they have more assets than liabilities. Option C describes a situation where the entity's net worth is positive, but its liabilities are relatively high compared to its net worth. Option E describes a situation where the entity's annual cash inflows are less than its liabilities, but it does not provide information about its assets or net worth.For more such questions on Insolvent Situation: brainly.com/question/28173349
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HELP FASTT!!!!
Ms. Mason is a kindergarten teacher whose gross income last year was $34,200. She made a $2000 contribution to an IRA. If she takes a standard deduction of $5700, claims only herself as an exemption for $3650, and she makes no further adjustment to her income, find the amount of taxes she has to pay.
Answers
Ms. Mason is a kindergarten teacher whose gross income last year was $34,200. She made a $2000 contribution to an IRA. $3,010.00 is the amount of taxes she has to pay.
The term "income" generally refers to the transfer of money, property, and other value received over a period of time in exchange for services or products. There is no single standard definition. Income is defined according to the context in which the concept is used.
Income is money received by an individual or business in exchange for providing work, producing goods or services, or investing capital. While individuals usually earn their income through wages or salaries, businesses generate income from the sale of goods or services that exceed their production costs. Your annual income is the amount you receive in your bank account for the year, less any deductions. It's helpful to break this down into two words. Annual means year and income mean money earned.
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what are the ways of receiving employment related information?
Answers
Answer:
just do well on software and follow me for updates
Which statement best illustrates an example of economic specialization?
O A. A country attempts to become self-sufficient by producing all the
cars it needs on its own.
O B. A country promotes businesses that create many different
products despite high opportunity costs.
O C. A country focuses on growing a specific type of crop for export
instead of a wide variety of crops.
O D. A country reduces its division of labor by encouraging all workers
to develop many different skills.
Answers
Answer:
C. A country focuses on growing a specific type of crop for export
instead of a wide variety of crops.
Explanation:
They specialize in growing one thing instead of growing all of the crops.
The statement best illustrates an example of economic specialization A country focuses on growing a specific type of crop for export instead of a wide variety of crops. Thus the correct option is C.
What is Export?When a country sends goods to other countries with the objective of selling and receiving funds in exchange is refer as exports. When any country exports more goods the economy will become stronger.
Economic specialization indicates any expertise in any specific field which helps to produce unique things or unique business operations to achive a better flow of funds in the economy.
As exports help in improving the economy due to the inflow of cash so when a country focuses on growing a specific type of crop for export instead of a wide variety of crops reflects the economic specialization of a country which helps them in achieving success.
Therefore, option C is appropriate.
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Where is the best minitaxi in London for tourisms?.
Answers
Patrick Egwu Transportation
Explanation:
What caused the change in the yen's exchange rate? According to this graph, how has the yen's exchange rate changed?.
Answers
Answer: demand decreased
and
it has fallen
Explanation:
hope this helps <3
Decrease in demand has caused the change in the yen's exchange rate. Due to decrease in demand yen’s exchange rate has fallen.
What is exchange rate?The value of one country's currency in comparison to that of another or an economic region is known as the exchange rate. The majority of exchange rates are free-floating and fluctuate according to market supply and demand. There are some exchange rates that are restricted and not free-floating; instead, they are tied to the value of other currencies.
Exchange rates are typically either free-floating or set. Changes in the foreign currency market cause a free-floating exchange rate to rise and decrease. The value of one currency is linked to a set exchange rate. Spot rates, often known as cash values or market values, are one type of exchange rate that might exist. An exchange rate may also have a forward value, which is determined by predictions of the currency's future worth in relation to its current spot price.
Changes in the foreign currency market cause a free-floating exchange rate to rise and decrease. The value of one currency is linked to a set exchange rate. Spot rates, often known as cash values or market values, are one type of exchange rate that might exist. An exchange rate may also have a forward value, which is determined by predictions of the currency's future worth in relation to its current spot price. For example, USD stands for the United States dollar, while EUR stands for the Euro. EUR/USD is the currency pair that represents the dollar and the euro. It's USD/JPY, or dollar to yen, in the case of the Japanese yen. A conversion rate of 100 means that one dollar equals 100 yen.
One notable example of a nation with a restricted rate structure is China. The Chinese yuan is a currency that the government also controls. The Chinese government decides on a midpoint value for the currency each day, which gives the yuan a trading range of 2% from the midpoint.
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To fully realise the benefits, RPAS "must achieve an acceptable
(equivalent) level of safety but regulation should not become so
inflexible or burdensome that commercial benefits are either
frustrat
Answers
RPAS have extensive applications and the potential to transform various sectors. Safety is crucial, but regulations should strike a balance between safety and commercial benefits. A regulatory framework that fosters innovation while ensuring safety is essential to fully leverage the benefits of RPAS.
Remotely Piloted Aircraft Systems (RPAS), commonly referred to as drones, are quickly gaining popularity due to their numerous applications in various sectors. These sectors include agriculture, film, photography, surveillance, and logistics, among others. However, the usage of RPAS raises safety and security concerns as they pose risks to other aircraft and people on the ground. Therefore, achieving an acceptable level of safety is crucial to fully realize the benefits of RPAS.
To ensure safety, regulatory bodies must collaborate with the RPAS industry. A balanced regulatory framework is necessary, one that fosters innovation while maintaining safety. Additionally, the regulatory framework should consider factors such as environmental impact, privacy, and data protection. Given the rapid evolution of the RPAS industry, the regulatory framework should also be agile and adaptable to emerging trends.
While safety is paramount, it is important to avoid excessive burdensome regulations that hinder the commercial benefits of RPAS. The industry has the potential to create job opportunities and generate revenue for various sectors. Therefore, the regulatory framework should not create unnecessary red tape that hinders industry growth. Instead, it should support innovation and the industry's expansion while ensuring safety and security.
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Microsoft® Publisher does which of the following?
Receives email messages
Keeps daily activity records
Creates items using page layout skills
Sends email messages
Answers
Answer:
Creates items using page layout skills
Explanation:
I work in school with publisher and this was on a test of mine. :)
The Microsoft Publisher is software that creates items using page layout skills.
Microsoft Publisher
It is an application that helps the user to create documents for use professionally. Examples of these are:
NewsletterPostcardsFlyersInvitationsBrochuresTo do this the user needs to first select one of the built-in templates in Microsoft Publisher and then the user could add text and pictures to it before printing the file.
Hence, Microsoft Publisher is not for sending or receiving messages nor does it help to keep daily records. Instead, its purpose is to create items using page layout skills.
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Why is network business is risky?
Answers
Answer:
because small business have compitator
You need a new computer, and you will need a loan in order to buy one. Which lender is most likely to charge you the highest interest rate on your loan?
A. finance company
B. savings and loan association
C. credit union
D. savings bank
Answers
hope this helps!! <3
Savings and loan association is the lender is most likely to charge you the highest interest rate on your loan. Hence, option B is correct.
What is the main purpose of a savings and loan association?Building Societies or Savings and Loan Associations perform the same fundamental duties by gathering funds from the general public and using those savings to fund mortgage loans for residential real estate.
The S&L crisis may have caused the banking sector to collapse with the greatest degree since the Great Depression. By 1989, more than 1,000 S&Ls had failed nationwide, thus destroying one of the most reliable sources of house mortgages.
In that they provide many of the same services, including banking and mortgage financing, savings and loan associations function similarly to banks and credit unions. Savings and loan organizations, however, prioritize savings and mortgages more.
Thus, option B is correct.
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how does an increase in income increase tax revenue
Answers
Answer:
An increase in income will increase tax revenue because the more taxes and tax write-offs will lead to more in tax returns.
Explanation:
The more income you make the more taxes you will pay, after write-offs you will end up earning more back in tax returns than you would if you made less
decisions should reflect the _____ costs, rather than just the _____ costs.
Answers
Instead of merely considering O opportunity nonfinancial expenses, decisions should take into account the expected loss principle costs.
Explain costs?Costs are the economic value of purchases made for use by a company or other accounting entity of supplies, service, labor, products, equipment, and other items. It is the sum listed as the price on invoices and recorded as an expenditure and asset cost basis in bookkeeping records.
Cost is the amount of cash spent by a business to produce or create goods or services. It excludes the profitability markup. Cost is the sum of money spent on making a good or product, as seen from seller's perspective.
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8. Which of the following is NOT a job of the Federal Reserve?
1.Keeping banks safe
2.Making payment systems secure
3.Printing currency
4.Growing the economy
Answers
Answer:
I think 3
Explanation:
Select the correct answer. Ship's engineers help keep ships running well. A. True B.False
Answers
Answer:
i am late but this true
Explanation:
I did the test on this and got it right :)
When a salesperson says or does something that creates agency such as giving advice to a customer, giving an opinion to a customer, or negotiating on the customer's behalf the licensee has:
Answers
Answer:
implied agency
Explanation:
The implied agency refer to an agency that is established from the principal and agent conduct. It develops the agency relationship. It is a real agency and a fact to be proved
Therefore as per the given situation since it is mentioned that at the time when the salesperson said or do something that establish the agency so this represent the implied agency
Therefore the same is to be considered
What the person above me said
Explanation:
i just took the asignment.
If lisa and bryce each divides his or her time equally between producing jackets and producing sweaters, then total production is:_________
Answers
If Lisa and Bryce each divide their time equally between producing jackets and producing sweaters, under the production possibilities frontiers, then total production is c) 3 sweaters and 13 jackets.
What are the production possibilities frontiers?The production possibilities frontiers (PPF) use a graphical representation to show the different combinations of the output of two goods that can be produced with available resources and technology.
In the PPF, scarcity, choice, and tradeoffs are captured and factored into the computations.
The PPF operates under some assumptions, including:
Fixed resourcesConstant technologyEfficient use of resources and technology.Thus, if Lisa and Bryce each divide their time equally between producing jackets and producing sweaters, then total production is c) 3 sweaters and 13 jackets.
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Question Completion and Answer Options:a) 6 sweaters and 26 jackets
b) 2 sweaters and 8 jackets
c) 3 sweaters and 13 jackets
d) 5 sweaters and 8 jackets
Graph attached.
i have a brainlest for anybody if the can tell me who won the wwe champoinship in 1996