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Description There is a reason you have chosen this degree path. Most likely, you want to qualify for helping positions/roles that help people on a higher level. With advancement in this field also comes great responsibility, and sometimes emotionally heavy work! It is critical that you learn how to check in with yourself in terms of your level of self-care, and compassion. We are typically the worst at taking care of ourselves, so much so that NASW has added a section to the Code of Ethics regarding self-care. Simplified, self-care is the art of proactively taking care of yourself to ensure that you can keep doing what you love to do for years to come! Ever look at a social worker, or talk to one and wonder how they are still so passionate about their work when others seem to be bitter and resentful of their work? The key to happiness in this field, and the key to remaining effective for our clients, is self-care! Oftentimes, you will hear people talk about burnout, or compassion fatigue. These are real threats in our world and can be dangerous for ourselves, as well as our clients. Not sure what we mean by these? Before you dive into the lecture materials, take a moment to complete the Life Stress Test and the Compassion Fatigue Self-Test: An Assessment to increase your own self-awareness. Be sure to keep a copy of your completed assessments for your own records. You may see these again in later courses, as it is important to use these at different points in your life. Think about it, the stressors of the past year may be totally different 6 months from now.  Once you have completed these, watch the lecture and review the NASW PowerPoint to learn more about Compassion Fatigue, Burnout, & Self-Care. 2021 Revisions NASW to the Code of EthicsDownload 2021 Revisions NASW to the Code of Ethics Compassion Fatigue AssessmentDownload Compassion Fatigue Assessment Life Stress TestDownload Life Stress Test Answer the following in the Discussion Board: 1. What did you learn about yourself after completing the Life Stress Test and the Compassion Fatigue Self-Test? 2. What are 3 things you do, or could do, to practice self-care? 3. Talk about your experience with compassion fatigue or burnout. This could be about you, or someone, or something you have witnessed.  

Description In Harmonize, write a brief summary of the textbook Chapters 9 & 10 to include the following paragraphs with headings: an overview, 3 key concepts, and a summary. Each “key concept” must include the textbook page numbers. Each paragraph needs a minimum of 3 sentences. Use the template format provided below. Refer to the model assignment (sample) following the template. In addition to the paragraph and sentence requirement, your initial discussion must have a minimum of 200 words. After writing your discussion, you must reply to at least 2 other student discussions with feedback of at least 50 words. This is your "peer engagement" component of your grade. NOTE: Spelling and grammar are important, so please spell-check and read your work out loud to catch and correct any errors prior to submitting. TEMPLATE: OVERVIEW KEY CONCEPT FROM CHAPTER 9 KEY CONCEPT FROM CHAPTER 10 KEY CONCEPT FROM CHAPTER 9 OR 10 SUMMARY SAMPLE: Model assignment: Reflection Summary SAMPLE.pdfDownload Reflection Summary SAMPLE.pdf BELOW IS A SAMPLE REFLECTION SUMMARY. DO NOT COPY THE CONTENTS. IT IS A SAMPLE ONLY TO ILLUSTRATE THE STRUCTURE. Course: BRE 126, Real Estate Finance Student Name: Ima Success Today’s Date: 02/20/2022 Textbook Author: Huber, W. Chapters # 9 - 10 Overview The topics of Chapter 9 and 10 are introduction to real estate principles. This chapter covers four important concepts for the real estate student. First, the real estate licensing in California is discussed, along with the real estate market. Second, the historical influence of real property is examined. Third, the difference between real property and personal property is spelled out clearly. And last, the chapter concludes by analyzing various methods of land description. These concepts are important because they may be on the real estate exam for licensees. Key Concept from Chapter 9 I learned that real estate can be a profitable professional (p. 4). One of the reasons it can be profitable is because the compensation to agents is based on the sales price of the house. In California, real estate values are typically high, which translates into a high commission. The commission is always paid to the broker, but the real estate salesperson receives a portion. Many real estate agents are using social media to promote their services. Key Concept from Chapter 10 The second thing I learned is that property owners have a “bundle of rights” (p. 5). It means they have control of certain things because they own the real estate. Generally, people view it as a bundle of sticks, with each one of them being a “right” the owner has. Their types of rights vary based on their level of ownership. For example, homeowners have the right to possess (live in) their houses – unless they rent out the house to tenants. In that case, the tenant now has the right to possess the house. Key Concept from Chapter 9 The third concept I learned is the definition of real property (p. 6). There are four things that define real property: land, affixed to the land, appurtenant to the land, or immovable. These items “tests” are what separates real property from personal property. For example, a refrigerator can be moved out of the house, so it is considered personal property. However, a fence is permanently dug into the ground so it becomes part of the real property, along with the land and the house. Summary This was an interesting chapter and I learned a lot about real estate. Real estate has a long and colorful history in California. There are several types of land description methods, which will probably be on the state real estate exam. I know I will have to study some of the concepts further, such as the MARIA acronym of determining personal versus real property. In addition to the knowledge of concepts, real estate involves math calculations.

Description (Chapters 9 & 10 Reflection Summary) - Harmonize BRE 126-Real Estate Finance Samantha  3-11-2024 Huber, W. Chapters 9 & 10 Overview Chapter 9 for Real Estate Finance covers concept, Conventional Looans.(p.227). Chapter 10 covers Alternative Financing and consist of 10 concepts: Discount Points, Buydown Plans, FNMA/FHLMC Limits on Buydowns, Adjustablerate Mortagages(ARM), The Growth Equity Mortgage (GEM), Reduction Option Mortgage, Biweekly Loans, Home Equity Conversion Mortgages (reverse mortgage), Shared Appreciation Mortgages and Hard Money Makers and Arrangers. (p. 252). Key Concept from Chapter 9 One of the key concepts I learned about in this chapter is about the conventional prepayment penalties which is if you pay off your conventional loan early there is a penalty applied which tries to discourage you not to pay it off early so that the lender can continue to receive monhly mortgage payments from the borrower which makes the lender more money in the long run so if you pay off early lender will charge more interest and penalty fee to pay off. Good for the lender they are there to make money. I say always go for an adjustable rate, period, which might have payoff fee also but not so much plus with a fixed your mortgage payment won't go up to much if needed.(p.245). Key Concept from chapter 10 Another concept in this chapter I learned is Discount Points. Discunt Points is prepaid interest, money payments made at the same time of the loan origination that lets the borrower pay a less interest rate than originaly offered. (p.254). Which is cool but doesn't perhaps make much difference in the long run. Key Concept from Chapter 9 Another key concept from chapter 9 I learned of is Secondary Financing; when the purchaser borrows money from another source to help pay a little on the down payment or settlement cost. If the owner plan to occupy the house then they need 5% down payment and the first and second mortgage must not exceed ninety five percent of the sale price or the appraised value whichever is less. (p. 232). Summary by Samantha Thompson Chapter 9 & 10 are great tools for Real Estate Finance. They cover what is needed to become a real estate agent, broker etc.. and a big help to prep you for the real estate exam. Great concepts!

Description Presentations: Loan Application & Conventional Financing Module 9. Loan Application & Conventional Financing Select and watch 3 multimedia presentations: one presentation from Area A, a second presentation from area B, and a third presentation from either area A or B. You will write five paragraphs: three paragraphs summarizing each of the three presentations you watched, as well as comparison and contrast paragraphs. A. Mortgage Loan Application (WATCH ONE or TWO VIDEOS FROM THIS SECTION) (NOTE: This video demonstrates the old format, although most of the fields are identical to the new format.) (NOTE: This video demonstrates the old format, although most of the fields are identical to the new format.) B. Conventional Financing (WATCH ONE or TWO VIDEOS FROM THIS SECTION) Question at position 1 1. Select one multimedia presentation from Area A (Mortgage Loan Application) you watched. Insert the title of the presentation. What is one key concept you learned in this video? Write at least TWO full sentences explaining what you learned. Question at position 2 2.Select one multimedia presentation from Area B (Conventional Financing) you watched. Insert the title of the presentation. What is one key concept you learned in this video? Write at least TWO full sentences explaining what you learned. Question at position 3 3.Select a third multimedia presentation from either Area A or Area B you watched. Insert the title of the presentation. What is one key concept you learned in this video? Write at least TWO full sentences explaining what you learned. Question at position 4 4.Compare two of the video presentations with each other and insert their titles. What was SIMILAR about them? Write at least TWO complete sentences explaining how the messages were the same. Question at position 5 5.Contrast two of the video presentations with each other and insert their titles. What was DIFFERENT between them? Write at least TWO complete sentences explaining how the messages were different from each other.

Description *NO PLAGIARISM, 1 to 1.5 pages, APA STYLE, Due by March 17, 2024 at 5 pm EST...MY TOPIC IS Mental development in Autistic Children Review any feedback you have received on your Week 2 Library Searching Assignment and revise accordingly. Search for at least three additional peer-reviewed research articles  on your topic that have been published within the past 5 years.  

Description In Harmonize, write a brief summary of the textbook (5 paragraphs) Chapters 11 & 12 to include the following paragraphs with headings: an overview, 3 key concepts, and a summary. Each “key concept” must include the textbook page numbers. Each paragraph needs a minimum of 3 sentences. Use the template format provided below. Refer to the model assignment (sample) following the template. . TEMPLATE: OVERVIEW KEY CONCEPT FROM CHAPTER 11 KEY CONCEPT FROM CHAPTER 12 KEY CONCEPT FROM CHAPTER 11 OR 12 SUMMARY SAMPLE: BELOW IS A SAMPLE REFLECTION SUMMARY. DO NOT COPY THE CONTENTS. IT IS A SAMPLE ONLY TO ILLUSTRATE THE STRUCTURE. Course: BRE 126, Real Estate Finance Student Name: Ima Success Today’s Date: 02/20/2024 Textbook Author: Huber, W. Chapters # 11-12 Overview The topic of Chapter 11 is an introduction to real estate principles. This chapter covers four important concepts for the real estate student. First, the real estate licensing in California is discussed, along with the real estate market. Second, the historical influence of real property is examined. Chapter 12 topic is blah blah blah. Third, the difference between real property and personal property is spelled out clearly. And last, the chapter concludes by analyzing various methods of land description. These concepts are important because they may be on the real estate exam for licensees. Key Concept from Chapter 11 I learned that real estate can be a profitable professional (p. 4). One of the reasons it can be profitable is because the compensation to agents is based on the sales price of the house. In California, real estate values are typically high, which translates into a high commission. The commission is always paid to the broker, but the real estate salesperson receives a portion. Many real estate agents are using social media to promote their services. Key Concept from Chapter 12 The second thing I learned is that property owners have a “bundle of rights” (p. 5). It means they have control of certain things because they own the real estate. Generally, people view it as a bundle of sticks, with each one of them being a “right” the owner has. Their types of rights vary based on their level of ownership. For example, homeowners have the right to possess (live in) their houses – unless they rent out the house to tenants. In that case, the tenant now has the right to possess the house. Key Concept from Chapter 11 The third concept I learned is the definition of real property (p. 6). There are four things that define real property: land, affixed to the land, appurtenant to the land, or immovable. These items “tests” are what separates real property from personal property. For example, a refrigerator can be moved out of the house, so it is considered personal property. However, a fence is permanently dug into the ground so it becomes part of the real property, along with the land and the house. Summary This was an interesting chapter and I learned a lot about real estate. Real estate has a long and colorful history in California. There are several types of land description methods, which will probably be on the state real estate exam. I know I will have to study some of the concepts further, such as the MARIA acronym of determining personal versus real property. In addition to the knowledge of concepts, real estate involves math calculations.

Description Discussion 6 Chapters 11 & 12 Mar 16 NewActions Celene  March 16, 2024 BRE-126 Real Estate finance Huber, W Chapters 11 & 12 Overview The overview of Chapter 11 is learning the government programs like Federal Housing Administration (FHA) and Veterans Affairs (VA) Loans. “Neither FHA nor VA makes loans “directly” to the public. The FHA insures, but the VA guarantees loans made by “appropriate lenders.” (Huber, 2017, p. 289) Neither FHA nor VA loans are included in the secondary market. Some things they do not do is Buy loans or sell loan-backed securities. On the contrary, FHA is viewed as a federal insurance agency whereas VA acts as a guarantor to protect the approved lenders against borrower's defaults. Key Concept from Chapter 11 One thing I learned from reading Chapter 11 is that in 1934 FHA was created by Congress. Its purpose was to create new jobs through building. To increase the mortgage market and to show that financing is available, repair and sale of real estate exists. “The FHA’S primary function is to insure loans, FHA “approved lenders” are insured against losses caused by borrower default” (Huber, 2017, p. 291). One of the many insurance programs that they are joined with is called Mortgage Insurance Premium (MIP). Key Concept from Chapter 12 In chapter 12 we learned about the advantages and disadvantages of a lease option. The advantage of a lease option is that the seller is receiving income from the property. The disadvantage is that the seller cannot sell the property to anyone other than those who are renting during the time of the lease. “The lease/option is used only when it seems unlikely that other offers will be forthcoming in the near future” (Huber, 2017, p. 323). The seller cannot engage in utilizing the property during the term of the lease. Key Concept from Chapter 11 The second concept that I learned in Chapter 11 is an FHA loan term is between a 15–30-year period. FHA also offers adjustment loans and home repair loans which is a 203 (k) loan. FHA conventional rates are typically lower than any other loans but the risk from the lender is less because of the FHA mortgage insurance. “Unlike Conventional Loans, FHA loans are fully assembled without any increase in interest rates. A lender is prohibited from exercising any “due sale” clause on a transfer” (Huber, 2017, p.293). Summary by Celene Cruz After reading these chapters it has been an eye-opener to when I purchased our home on understanding why FHA was not the best fit for us at the time. Seeing the breakdown of the requirements, and the legal documentation behind it makes a lot more sense. Moving forward as I am preparing myself to become a real estate agent, I am eager to learn more about these home loan programs because I am sure it will be in the state exam. As well as it will be brought up in the field.

Description ACTIVITY: Final Paper Part 6 (FHA & Conventional Loans) This is the last section you will write for the final paper, other than the introduction and conclusion (in Module 14). This week’s focus is a comparison between FHA and conventional loans, as we learned in Chapters 9 and 11. This activity will examine both conventional and FHA loan financing through the lens of your buyers.Please. no plagiarism. no AI. original work only Instructions Write three paragraphs about your subject buyers (as listed in your profile data) that you have been writing about for Module Activities 4, 6, 8, and 10. The first paragraph will be an overview, the second paragraph will examine FHA loans, and the third paragraph will discuss conventional loans. The two loan types must be applied to your subject buyers so please connect the textbook material with your BORROWERS' specific situation.Please. no plagiarism. no AI. original work only Module 12 Supplemental Resources ACRONYMS AND EXPLANATIONS Front end ratio = Housing costs. PITI + HOA + any other costs, example: Mello-Roos PITI = Principal, Interest, Taxes, & Insurance HOA = Home Owners Association (example: monthly dues for condo or PUD) Mello-Roos = Assessment for public improvements added to property tax bill Back end ratio = housing costs (above) + ALL OTHER DEBTS THAT APPEAR ON YOUR CREDIT REPORT FHA Debt Ratios = http://www.fhahandbook.com/debt-ratios.phpLinks to an external site. MORTGAGE LOAN DIFFERENCES. How FHA and VA Loans Stack Up: https://www.military.com/money/home-ownership/how-fha-and-va-loans-stack-up.htmlLinks to an external site. USDA Loans (select from Single Family Housing GUARANTEED or DIRECT): https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.doLinks to an external site. Jumbo vs. Conventional Loans (Conforming & Non-Conforming): https://www.investopedia.com/articles/personal-finance/061815/jumbo-vs-conventional-mortgages-how-they-differ.aspLinks to an external site. Loan Limits by Area: https://www.fanniemae.com/singlefamily/loan-limits#Links to an external site. TEMPLATE RECOMMENDED LOAN PROGRAM FHA GOVERNMENT LOAN < Write one paragraph explaining the FHA government loan program approaches from Chapter 11 in the textbook. Discuss the specifics of this loan program and whether it would be a good fit for your subject borrowers. This paragraph must be 5 sentences. Cite the textbook page.> CONVENTIONAL FINANCING EXAMPLE Ima Student May 12, 2021 BRE-126 Real Estate Finance by Huber, Walt RECOMMENDED LOAN PROGRAM For Mickey Mouse and Minnie Mouse, I recommend the FHA loan program for their new home purchase financing. FHA and conventional loans are similar because .... In contrast, FHA and conventional mortgages are different in the following aspect: . The advantages of the FHA loan for the Mouse borrowers are... The disadvantages , however, are outweighed by the advantages. Therefore, the FHA mortgage will best suit their situation (p. 123). FHA GOVERNMENT LOAN The FHA mortgage loan is . The loans are insured by the federal government, which minimizes the risk for lenders. This loan program offers borrowers.... (p. 456). It has the following qualifications for borrowers... FHA would be a good fit for Mickey and Minnie Mouse because . CONVENTIONAL FINANCING Conventional mortgages, on the other hand, require . Borrowers applying for this program need to qualify by (p. 789). The benefits of a conventional loan include . However, this loan also requires the borrowers to . Although the conventional mortgage is a good option, it is not the best choice for the Mouse borrowers and their situation.

Description Real estate finance 126 Chapter 7 Speech Video by Carmen Mariana Vera https://youtu.be/ogiIAmKkgSk?si=XjmEqzg_DQ8IMsqt

Description As you have learned, 42 CFR Part 2 governs confidentiality for substance abuse programs. It also outlines the limited circumstances of information about a client's treatment, which may be disclosed with or without the client's consent. In this discussion, you will examine the ethical standards that can align with some of the legal issues concerning release of confidential health information of individuals with substance abuse/use disorders. Imagine that you are a human services professional working with an adult client who is seeking treatment for a substance abuse overdose. Explain at least one way that the limitations under 42 CFR Part 2 for disclosing substance abuse information impact effective information sharing for all parties involved in this scenario. Indicate what might be different if your client was a child and had a parent or guardian. If the patient is a minor, how do you ensure provisions under 42 CFR Part 2 are abided by? If your client has threatened someone, how do you determine if there is a duty to warn those being threatened?