The S.A.F.E. Act applies to mortgage loan originators who take applications for, or offer or negotiate terms of, residential mortgage loans, which would include:
Answers
The S.A.F.E. Act applies to mortgage loan originators who take applications for, or offer or negotiate terms of, residential mortgage loans, which would include:Loans for purchasing or refinancing a home or residential property, Loans for constructing or improving a residential property and Loans secured by a residential property.
The Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) is a federal law that was enacted in 2008 to improve consumer protection and reduce fraud in the mortgage industry. The law requires all mortgage loan originators to be licensed and registered, and to meet certain education, training, and testing requirements.
The S.A.F.E. Act applies to mortgage loan originators who take applications for, or offer or negotiate terms of, residential mortgage loans. This includes a broad range of loan types that are secured by residential property, including loans for purchasing or refinancing a home or residential property, loans for constructing or improving a residential property, loans secured by a residential property.
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Related Questions
FIRST ANSWER WILL BE NAMED BRAINLIEST
Which action would effectively and appropriately address a budget deficit?
A. reduce income
B. reduce expenses
C. apply for bankruptcy
D. apply for new credit
Answers
Answer:
It is letter B
Explanation:
Reducing expenses would effectively and appropriately address a budget deficit. Thus option B is correct.
What is the budget?A budget is a financial plan that projects future earnings and costs. A budget, put simply, forecasts future finances in addition to anticipated revenues and expenditures. Calculating the company's earnings and costs for a set period of time is the procedure for creating a budget.
Increasing tax rates while decreasing government expenditures are the two apparent ways to minimize a budget deficit. the reduction of government spending and/or the raising of taxes, which results in either a rise in the primary surplus or a decrease in the budget deficit. greater taxes and less funding by the government. If public spending is lower than tax receipts, a budget surplus results.
Therefore, option B is the correct option.
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Match the action to the task it helps accomplish. format text is at the very top or bottom of the page increase or decrease the space around the text on a page move the text at the bottom of a page to the top of the next page
Answers
Answer:
format text increase or decrease the space around the text on a page
Explanation:
Indeed, when using Word processing software like Microsoft word, it is possible to use the format text tool called line spacing to increase or decrease the space around the text on a page.
For example, in other to make a written text easily readable, a user may use the format text tool to increase or decrease the space around the text on a page.
Hope this helps! :). .
What outcomes are possible with speculative risk?
Answers
(1) nothing will happen, (2) there will be a loss, or (3) there will be a gain or profit, these are possible outcomes with speculative risk.
Along with the possibility of gain or profit, the other unique element of speculative risk is choice.
For example, no sane person would choose to experience a house fire, a car accident, or a serious illness (all of which are insurable risks) —
but every person who invests in a company or places a bet on a sporting event has made a conscious choice to expose themselves to speculative risk.
Speculative risk is not insurable primarily due to the potential for moral hazard.
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Financial Risks Unit Test (Connexus)
4/17/2023
1. What outcomes are possible with speculative risk?
Answer: all of the above
2. Which of the following choices incur speculative risk?
Answer: -stocks, -options,
3. What is risk reduction?
Answer: A strategy that reduces risk by minimizing the chance that the loss occurs or reduces the value lost.
4. What is risk transference?
Answer: A strategy where the risk of loss is shared with another person, entity or group.
5. Which of these options is a new type of insurance?
Answer: identity theft
6. Which of these choices are add-on options for insurance policies? Select the two correct answers.
Answer: -jewelry rider, -collision insurance
7. How much of the U.S. population is covered by some form of health insurance?
Answer: 92%
8. What is the largest health program in the United States?
Answer: Medicare
9. How are SSDI and SSI different?
Answer: SSDI is an insurance program paid out of the Social Security Trust fund and SSI is a needs-based program.
10. What is SSI?
Answer: a need-based program run by the SSA and only considers the financial need of the individual who is elderly or disabled
11. What does long-term care insurance provide?
Answer: It helps cover costs for the day-to-day care of people with chronic illnesses or medical conditions.
12. What does LTC usually cover?
Answer: day-to-day care
13. How might insurance be affected if the applicant has a dangerous job?
Answer: All of the options are possible.
14. What might happen if someone is dishonest on their insurance application?
Answer: The policyholder may be prosecuted for insurance fraud, which is a crime.
15. What is no-fault insurance?
Answer: Unlimited PIP mandated by the states to reduce the number of small and frivolous lawsuits.
16. Why does geographic location affect the cost of premiums?
Answer: Because insurance companies review the statistical history of claims for an area and if there is an increased risk of claims for accidents or theft, they will raise the premium.
17. Why is it important to review credit card charges every month to protect oneself against identity theft?
Answer: to identify any unauthorized charges so that they can be investigated as a potential red flag for identity theft
18. Which population is most often the victim of synthetic identity theft?
Answer: children
19. Why is it important to review credit card charges every month to protect against identity theft?
Answer: to identify unauthorized charges so that they can be investigated for identity theft
20. What is child identity theft?
Answer: someone uses the identity of someone who has minimal activity for their social security number to create a credit history
21. Can the Consumer Financial Protection Bureau or Better Business Bureau accredit companies? Does that agency require a fee for accreditation?
Answer: Only the BBB accredits companies, and it requires a fee for accreditation.
All of these answers are correct, hope this helps someone :)
In a freehold estate what describes when the ownership includes all immovable structures attached to the land such as buildings, trees, and underground resources?
Answers
There are different kinds of estate. In a freehold estate immobility describes when the ownership includes all immovable structures attached to the land such as buildings, trees, and underground resources.
Freehold estates is known to be made up of 2 components. They are:
immobility: This is simply the ownership of all immovable structures that is attached to land. An indefinite ending: This is known to stay or exist for a lifetime.Freehold estates are simply known to be a type of estates that has indefinite lifetime and it can exist for a lifetime or forever.
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RWJ 6-3 Josephine is studying for FRL 3000 Exam, help her decide which compounding period produces the highest present value given a stated annual interest rate and a future value?
Group of answer choices
a.Monthly
b.Annual
c.Semi-annual
d.Weekly
Answers
If josephine wants to maximize the present value, she should choose a compounding period of "daily" if it is available.
the compounding period that produces the highest present value given a stated annual interest rate and a future value is "daily".
the more frequently compounding occurs, the higher the present value will be. in this case, the given s are monthly, annual, semi-annual, and weekly. however, none of these s represent compounding on a daily basis.
compounding daily would result in the highest present value compared to the given s. daily compounding allows for the interest to be calculated and added to the account balance more frequently, resulting in a higher accumulation of interest over time.
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Pleeeeaasseee help
Recall the four reasons some people favor trade restrictions. Give an example from the U.S. economy that you think best fits each reasons
Answers
Answer:
Explanation:
Some measures that check commercial processes are internal to countries, such as the liberalization of trade in services, the elimination of barriers and the creation of mechanisms to protect foreign investors, competition and public procurement policies, and labor standards.
a job analysis method by which behaviors that can lead to success and to failure on the job are identified is known as
Answers
The job analysis method by which behaviors that can lead to success and failure on the job are identified is known as a behavior-oriented job analysis.
A job refers to a specific set of tasks, duties, and responsibilities assigned to an individual within an organization. It represents the work that an employee is expected to perform in order to contribute to the achievement of organizational goals. Jobs can vary in terms of their nature, complexity, required skills, and level of responsibility. Job roles are typically defined through job descriptions, which outline the key duties, qualifications, and expectations associated with the position. Understanding the requirements and characteristics of different jobs is essential for effective recruitment, selection, performance management, and overall organizational design and effectiveness.
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The table shows the demand curve for monster trucks. There are two monster truck producers. For simplicity, assume that the cost of producing a monster truck is zero. ( AC=0
, FC=0
)
Q demanded Price
1
$18
2
$16
3
$14
4
$12
5
$10
6
$9
7
$7
8
$6
9
$5
Assume the two producers initially collude to maximize profits, splitting production and profits evenly.
What price will they charge?
$
What is the total quantity produced?
monster trucks
What are the profits for each firm?
$
If one of the producers produces an extra unit to get higher profits, what is the new market price?
$
What are the profits for this firm when it breaks the agreement?
$
What are the other firm's profits after the agreement is broken?
$
Answers
Answer:
What price will they charge:
$9
What is the total quantity produced?
$6
What are the profits for each firm?
$27
If one of the producers produces an extra unit to get higher profits, what is the new market price?
$7
What are the profits for this firm when it breaks the agreement?
$28
What are the other firm's profits after the agreement is broken?
$21
Explanation:
Which group once represented 35 percent of the labor force, but today, __________ represent only about 11.1 percent of the labor force, and are consequentially, much less powerful in influencing economic policy?
Answers
Answer:
"Labor unions" seems to be the right approach.
Explanation:
Labor unions, therefore, have a substantial effect on jobs, corporations, and as well as the political system. This seems to be a worker association done to negotiate with the workplace in addition to performance management, such as claims, labor issues, compensation, minimum wages, service time, as well as other job security.2. Simplify the following
\( (\frac{1}{a} - \frac{1}{b} ) { }^{ - 1 } \)
Answers
Just remove the parentheses
What is the marginal revenue and marginal cost for this diagram?
What type of market is this? Explain your answer
Answers
Marginal revenue :
2060120200300420560Marginal cost :
108210192640It is a Monopolistic market structure because marginal revenue is greater than the marginal cost.
Marginal Revenue is the increase in the revenue by selling one extra product in the market. It is calculated by the Change in revenue divided by the change in output.
Marginal cost is the change in cost by producing one extra unit of output. It is calculated by a change in cost divided by the change in units.
Monopolistic market structure is where there are multiple companies producing similar products in the market.Example for monopolistic structure can be a grocery store.
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hapter 9 Brief Exercises Seved Help 1 Brief Exercise 9-4 (Algo) Compute total interest on installment notes (LO9-2) 2 points A company purchases a small office building as its new headquarters. The building cost $715,000. To purchase the building, the company issues a 15-year installment note with 5% interest. The company is considering two options: a. Pay $0 down and make monthly payments of $5,654.17 over 15 years. b. Pay $161.000 down and make payments of $4,381.00 over 15 years. For each option, determine (1) the total cash paid for the building over 15 years, including the down payment, and (2) total interest paid over 15 years. (Do not round your intermediate calculations, Round your answers to 2 decimal places.) cBook Ask a1. Total cash paid in option (S) b1. Total cash paid in option (b) 2. Total interest paid in option (a) 12. Total interest paid in option() Print References
Answers
Total interest paid in option (b) over 15 years is $234,580.00.
a1. Total cash paid in option (a):
Total monthly payments = $5,654.17 x 12 months x 15 years = $1,017,950.60
Down payment = $0
Total cash paid = Total monthly payments + Down payment = $1,017,950.60 + $0 = $1,017,950.60
b1. Total cash paid in option (b):
Total monthly payments = $4,381.00 x 12 months x 15 years = $788,580.00
Down payment = $161,000.00
Total cash paid = Total monthly payments + Down payment = $788,580.00 + $161,000.00 = $949,580.00
Total interest paid in option (a):
Total interest paid = Total cash paid - Building cost = $1,017,950.60 - $715,000.00 = $302,950.60
Total interest paid in option (a) over 15 years is $302,950.60.
Total interest paid in option (b):
Total interest paid = Total cash paid - Building cost = $949,580.00 - $715,000.00 = $234,580.00.
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collective nouns , A Glory of
Answers
Answer: uh what?
Explanation:
1. What is the role of an ergonomist? 2. List 4 ways in which heart rate can be measured. I 3. Discuss what percentage of the employees you would exclude from a manual material handling job 4. Describe how are accurate machine, tools and interchangeable parts related. 5. What can you use as an index of mental load? Why?
Answers
1. An ergonomist plays a crucial role in designing and improving systems, products, and environments to enhance human performance and well-being.
2. Heart rate can be measured through various methods, including pulse palpation, heart rate monitors, electrocardiograms (ECG/EKG), and photoplethysmography (PPG).
3. It depends on various factors, such as their physical capabilities, training, and the specific requirements of the job.
4. As they contribute to efficient and precise manufacturing processes.
5. The index of mental load refers to a measure or assessment of the cognitive demands placed on individuals during a task.
1. An ergonomist is a professional who focuses on optimizing the interaction between people and their work environment. Their role involves assessing and addressing factors such as physical ergonomics (e.g., workstation design, equipment layout), cognitive ergonomics (e.g., task complexity, decision-making processes), and organizational ergonomics to enhance human performance, safety, and well-being.
2. a) Pulse palpation: This involves manually feeling the pulse at certain points in the body (e.g., wrist, neck) to count the number of beats per minute.
b) Heart rate monitors: These wearable devices use sensors to track heart rate continuously, providing real-time data.
c) Electrocardiograms (ECG/EKG): These medical devices record the electrical activity of the heart and can be used to measure heart rate accurately.
d) Photoplethysmography (PPG): This non-invasive technique uses light to measure blood volume changes in peripheral tissues, providing an indirect estimation of heart rate.
3. It is crucial to assess each individual's physical fitness, considering factors such as strength, endurance, flexibility, and any pre-existing medical conditions. The goal is to ensure that employees can safely perform the tasks without excessive risk of injury.
4. Accurate machines, tools, and interchangeable parts are interrelated in manufacturing processes. Accurate machines and tools are essential for maintaining precision and consistency in production. They ensure that measurements, cuts, and operations are performed with high accuracy, reducing errors and improving product quality.
5. The index of mental load serves as an indicator of the cognitive demands imposed on individuals during a task. It helps evaluate the mental workload experienced by individuals and assesses factors such as attention, memory, decision-making, and information processing.
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what is consumer's Equilibrium?
Answers
Answer:
\( \huge{ \red{A} \green{N} \blue{S} \orange{W} \pink{E} \red{R} \blue{:-}}\)
When consumers make choices about the quantity of goods and services to consume, it is presumed that their objective is to maximize total utility. In maximizing total utility, the consumer faces a number of constraints, the most important of which are the consumer's income and the prices of the goods and services that the consumer wishes to consume. The consumer's effort to maximize total utility, subject to these constraints, is referred to as the consumer's problem. The solution to the consumer's problem, which entails decisions about how much the consumer will consume of a number of goods and services, is referred to as consumer equilibrium.
when the fed decreases the discount rate, banks will
Answers
When the Federal Reserve increases the discount rate banks become more cautious and tend to hold extra reserves. Because banks hold extra reserves, this money will not increase through multiple deposit creation and the money supply will decrease.
Choose the correct answers for (a) the total installment price, (b) the carrying charges, and (c) the number of months needed to save the money at the monthly rate to buy the item for its cash price. A tv with a cash price of $600 at $59. 00 per month for 12 months.
Answers
The answer is a) The total installment price is 708.00. b) 108.00 is the carrying charges. c) The number of month is 11.
a) The cost is $59 for each of 12 months, so the total cost:
=12×$59
= $708
b) The "carrying charges" are the difference between what is paid and the cash price is:
= $708 -600
= $108
c) Saving at the rate of $59 per month, it will take ...
$600/($59/mo) = 10.17 mo
To save the money, he amount saved will be $590, or $10 short of the required amount after 10 months, so it will take 11 months to save enough for the cash purchase.
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which theory of economics believes the only way to increase economy growth is to remove regulations and lower taxes?
Answers
State any five reasons why an entrepreneur may carryout Market survey.
Answers
Answer:
to know what the other people are interested in, for example they do a survey to see how much of each product they need and the popularity of how many people like the stuff, those are 2 reasons, quantity and I would say popularity 3: get the people to know that enreprenuer cares 4 and five just think about it, I cant really think of anymore
Explanation:
Answer: Whether you are thinking of venturing into a new market or launching a new product, conducting a marketing assessment is the crucial first step in determining if there is a need or a potential customer base for your product. Why is market research important for new business ideas? Market research should never be underestimated. Many successful new businesses enjoy longevity because their owners conduct regular market research to understand their target market, identify consumer problems and pinpoint realistic competitors. Determine key market factors: Cost, Consumer Demographics, Challenges, Opportunities. ... These factors will help you determine how you will need to market to consumers, face your competition, and develop your overall business plan.
Hope this helps....... Stay safe and have a Merry Christmas!!!!!!!! :D
Explanation:
T/F the production possibilities frontier (ppf) depicts the combinations of goods that provides society with the maximum possible benefit.
Answers
The given statement " The production possibilities frontier (ppf) depicts the combinations of goods that provides society with the maximum possible benefit" is False .
The production possibilities frontier (ppf) depicts the combinations of goods that can be produced using a given set of resources and technology. It does not necessarily provide information about what combinations would provide society with the maximum possible benefit, as this would depend on individual preferences and values.
The PPF is a graphical representation of the different combinations of two goods that can be produced given limited resources and technology. It shows the trade-offs and opportunity costs associated with producing one good over another. Points on the PPF represent efficient utilization of resources, where it is not possible to produce more of one good without sacrificing the production of the other.
However, the PPF does not consider factors such as consumer preferences, social welfare, or distribution of goods. It assumes that the society's preferences and utility are captured by the quantities of goods produced.
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Which of the following marketing fundamentals applies solely to the hospitality and tourism industry? A.interdependence of organizations B.sequential steps in marketing C.key role of marketing research D.continuous nature of marketing
Answers
Answer:
key role of marketing research
Answer:
interdependence of organizations
Explanation:
Edge 2021 :)
for the economy modeled with the PPF in the picture shown here, what is the opportunity cost of each orange?
Answers
the opportunity cost for the production of each orange is the apple sacrifice.
Opportunity cost is the loss you accept to make a gain or the expense of one profit for another gain.
example of opportunity cost is something as simple as choosing between going to work and skipping work. What are you losing out on if you choose one over the other? Opportunity cost doesn't always need to apply to investments or money; it can also apply to life decisions.
In the given question the opportunity cost for the production of oranges is a sacrifice made in terms of apples
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when the investment banker sells the new securities on commission without guaranteeing the sale of the whole issue, the process is called:
Answers
Without ensuring the sale of the entire issue, the investment banker sells the new securities on commission under the following circumstances: Best effort.
Investment banking refers to particular business operations of a financial services firm or corporate division that involve advisory-based financial transactions on behalf of private persons, public companies, and public authorities. Such a bank, which is more commonly linked with corporate finance, might help raise money by underwriting or serving as the client's agent in the issue of debt or equity instruments. An investment bank may also offer support services to businesses engaged in mergers and acquisitions (M&A), such as market-making, equities and derivatives trading, FICC services (fixed income instruments, currencies, and commodities), or research (macroeconomic, credit or equity research). Along with their businesses for investment research, the majority of investment banks continue to run prime brokerage and asset management divisions. The Bulge Bracket (highest tier), Middle Market (mid-level businesses), and Boutique Market categories make up the industry (specialized businesses). Investment banks don't accept deposits, in contrast to commercial and retail banks. The Glass-Steagall Act, which was passed in 1933, kept investment banking and commercial banking separate in the US until it was repealed by the Gramm-Leach-Bliley Act in 1999. G7 nations and other industrialized nations generally do not retain such a division. The Volcker Rule claims some institutional separation of investment banking services from commercial banking as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act of 2010).
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¿Cómo harías el marketing de tu producto?
Answers
Answer:
postearlo en redes sociales
Explanation:
Answer:
I don't understand
Explanation:
I don't know
The rate of change in retailing around the world appears to be directly related to?
Answers
The rate of change in retailing around the world is directly related to technological advancements, changing consumer preferences, globalization, and societal and cultural changes. Retailers need to be aware of these factors and adapt their strategies to stay relevant and competitive in today's dynamic retail landscape.
The rate of change in retailing around the world appears to be directly related to several factors. One significant factor is the advancement in technology. With the rise of e-commerce and online shopping platforms, traditional brick-and-mortar retailers have had to adapt to remain competitive. The convenience and accessibility of online shopping have led to a shift in consumer behavior, resulting in a decline in physical retail stores.
Another factor contributing to the rate of change in retailing is changing consumer preferences and expectations. Today's consumers have different expectations when it comes to shopping experiences. They value convenience, personalization, and seamless transactions. Retailers that can provide these aspects, such as through mobile shopping apps, personalized recommendations, and efficient delivery services, are more likely to thrive in the changing retail landscape.
Globalization is also a significant factor impacting the rate of change in retailing. With the ease of international trade and the ability to connect with suppliers and customers worldwide, retailers have expanded their reach beyond their local markets. This has resulted in increased competition and the need for retailers to constantly innovate and differentiate themselves to attract customers.
Furthermore, societal and cultural changes play a role in the rate of change in retailing. For example, the growing emphasis on sustainability and ethical consumption has led to an increased demand for environmentally friendly and socially responsible products. Retailers that can align with these values are more likely to attract and retain customers.
Overall, the rate of change in retailing around the world is directly related to technological advancements, changing consumer preferences, globalization, and societal and cultural changes. Retailers need to be aware of these factors and adapt their strategies to stay relevant and competitive in today's dynamic retail landscape.
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Economics studies how individuals and businesses make decisions in a world of.
Answers
Economics studies how individuals and businesses make decisions in a world of scarcity.
What is Economics?Economics is the study of how individuals, businesses, and governments manage limited resources to meet unlimited wants. The concept of scarcity, or the shortage of resources to satisfy unlimited wants, is at the core of economics. Economics concerns itself with how people utilize their scarce resources.
It considers the production, distribution, and consumption of goods and services. When resources are scarce, individuals must choose among competing alternatives; this is referred to as the principle of opportunity cost.The economic system is dynamic and constantly changing.
The forces of supply and demand, for example, cause prices to fluctuate over time. Economic theory helps us understand these changes and predict their impact on different industries and markets.
It also guides policymakers and business leaders in making informed decisions that benefit both individuals and the broader economy.
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Sometimes a liquid can be sitting there and its molecules will become a gas. That’s called
___________________________________________.
Answers
Answer:
Una vez que toda la sustancia está en estado líquido, al continuar calentando vuelve a subir la temperatura y llega un momento en que las fuerzas intermoleculares ya son incapaces de mantener juntas las moléculas del líquido, por lo que éste hierve y se convierte en un gas, se produce la ebullición.
The output effect means that a firm will ______. Multiple choice question. sell more of one input when the price of another input falls and less of that particular input when the price of the other input rises purchase more of one input when the price of another input falls and less of that particular input when the price of the other input rises purchase less of one input when the price of another input falls and less of that particular input when the price of the other input rises purchase more of one input when the price of another input rises and less of that particular input when the price of the other input rises
Answers
Answer: Purchase more of one input when the price of another input falls and less of that particular input when the price of the other input rises
Explanation:
The Output effect is meant to explain what happens when the price of an input changes. If an input price increases for instance, production costs will rise and the company will have to buy less of other inputs to keep costs stable.
Conversely, if the price of other inputs fall, the company will see production costs fall which will enable them to purchase more of inputs which didn't change in price.
Click this link to view O'NET's Work Activities section for Construction Managers. Note that common activities are
listed toward the top, and less common activities are listed toward the bottom. According to O*NET, what are
common work activities performed by Construction Managers? Check all that apply.
using muscles to lift, push, pull, or carry objects
communicating with supervisors, peers, or subordinates
using speed of limb movement to move arms and legs
scheduling work and activities
exerting oneself physically over long periods of time
making decisions and solving problems
Answers
Answer:
B,D,F
Explanation:
Answer:
ok bdf is correct
Explanation:
What is one request a borrower can make of a lender in order to get debt
relief?
OA. The borrower can ask for the terms of the loan to be rewritten.
OB. The borrower can ask to have debt shifted to a credit card.
C. The borrower can ask to pay the loan off early.
OD. The borrower can ask for a loan to be transferred.
Answers
With a forbearance or loan modification, you might be able to cut down on your mortgage payments or put them on hold for a while. You could possibly bring down your Visa installments or loan fee by agreeing with your charge card moneylender.
Which is a good illustration of a secured loan?Collateral serves as backing for secured debt. The lender may take back the collateral in the event that the borrower defaults on a secured loan. Instances of gotten obligation incorporate home loans, car advances and got Mastercard's.
How can debt be managed the most effectively?Paying the minimum monthly payment on all of your debts, with the exception of those with the highest interest rate, is one strategy that may help you reduce your debt the quickest. Pay as much as you can on that debt. After paying off this debt, you move on to the next one with the highest interest rate, where you pay more than the minimum.
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