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Description Discussion 7 Chapters 13 & 14 Celene March 23, 2024 BRE-126 Real Estate Finances Huber, W Chapters# 13-14 Overview After reading chapters 13 and 14 they are the components of what qualifies the borrowers. In Chapter 13 the process of qualifying a borrower is called underwriting. “Before agreeing to make a real estate loan, a lender will evaluate both the borrower’s ability and willingness to repay the loan and or whether or not the property is of sufficient value to serve as collateral of the loan” (Huber, 2017, p. 337). A loan underwriting is the evaluating process, and the underwriter is the individual conducting the process. To minimize risk the underwriter must ask two fundamental questions to minimize the amount of the lender's risk. Key Concepts from Chapter 13 In Chapter 13 I learned that “according to the Federal Home Loan Mortgage Corporation (FHLMC) underwriting mortgage loans is an art, not a science. It cannot be reduced to mathematical formulas but requires sensitive weight of the many aspects of the loan” (Huber, 2017, p. 339). One main aspect the underwriter considers is an income investigation, with this information the conventional lender takes into consideration the borrower's income sufficient for a loan. When being offered payments of principal, interest, taxes, insurance, and not exceeding 28% of their monthly income. Key Concept from Chapter 14 When reading Chapter 14 I learned that “qualifying the property involves an analysis of its many features to determine whether it has sufficient value to serve as collateral for a real estate loan- and whether its value can be expected to remain stable in the months and years to come” (Huber, 2017, p. 373). The lender's perception of value is to make use of Appraisers that are certified and licensed to use their expertise of opinion of market value for each property. Appraisers are required by state and federal law unbiased and inspection of the property. Key Concept from Chapter 13 The second thing I learned in Chapter 13 is the importance of a monthly income. With it, the income provided can be reliable and likely to meet the requirements. Including borrower's housing expenses, plus any installment debts, alimony, child support, or maintenance payments, not exceeding 36% of their stable monthly income (Huber, 2017, p. 341). For example: $2,900 (stable monthly income) + $700 (proposed mortgage payment) + $225 (auto payments) + $100 (child support) = $1,025. 1,025/2,900 = .35 total expense-to-income ratio. Summary  These two chapters were very informative. From reading these chapters I can now go back, review, and understand what my underwriter wrote and how they qualified my home. My home was purchased 3 years ago but with me being on this course it has given me a better understanding and perspective in my home-buying journey. I still do not know much but I'm eager to learn more. In addition, I am sure these chapters will be on the California Real Estate Exam.

Description I need answers to the test please

Description Instructions In this 3-part discussion, you will (1) compose a 3-paragraph original post, (2) compose ONE response post to a classmate, then (3) write a reflection to your own original post about this aesthetic experience. 1. Carefully view the excerpts of the Swan Lake and Night Journey dance selections (in Required Online Exploration). 2. Find and read TWO research sources (BEYOND your text book - try Google scholar or the SPC Library) concerning the two selections and be prepared to integrate them in your essay. Be sure to cite these research sources as well as your textbook. 3. Write a new thread using the following instructions: In the FIRST paragraph (at least 150 words): Using at least three terms from the Dance Elements & Vocabulary Guide, identify the dance elements in the Swan Lake excerpt. Identify Swan Lake as either Classical Ballet or Modern Dance. Then, using at least three terms from the Dance Elements & Vocabulary Guide, evaluate the choreography. Is this a good example of this type of art? Is it well presented? What are its points of value? In the SECOND paragraph (at least 150 words): Using at least three terms from the Dance Elements & Vocabulary Guide, identify the dance elements in the Night Journey excerpt. Identify Night Journey as either Classical Ballet or Modern Dance. Then, using at least three terms from the Dance Elements & Vocabulary Guide, evaluate the choreography. Is this a good example of this type of art? Is it well presented? What are its points of value? In the THIRD paragraph (at least 150 words): Compare and contrast the styles of Classical ballet and Modern dance. Identify how both of these dance compositions (Swan Lake and Night Journey) are “interdisciplinary” (i.e. are related to one or more of the disciplines in humanities we have studied so far). 2. Read one of your classmates' original posts. Then compose a response post (at least 100 words) that does at least TWO of the following: Extends or adds to his/her point(s) Asks a clarifying question Disagrees (with reasoning and evidence) with the author's analysis Adds to the understanding of the analysis Offers constructive suggestions for improvement 3. Finally, return to your own original post, and write a reflection reply to your own post of at least 50 words, in which you: Reflect on this aesthetic experience: Do you have a deeper appreciation of dance as a form of art? What impact did this experience have on you? Indicate whether you've learned anything additional after reviewing your classmate's post. Swan Lake - https://mycourses.spcollege.edu/d2l/le/content/212... Night Journey - https://mycourses.spcollege.edu/d2l/le/content/212...

Description Discussion Replies - File attached has the 2 students that needs to be replied Demonstrate content knowledge from our course textbook. Refrain from oversharing. You must reply to two different students. You cannot reuse your reply or in-text citation to respond to another student. Fully spell out all words (it is, does not, etc.). You must have a minimum of 70 words. Grammar, spelling, and punctuation will affect your grade, so be sure to proof your work before submitting it. You must have an in-text citation in each reply from our course textbook to support what you are saying. You will need a reference in each reply for your in-text citation. Any information taken from a source (other than your classmate or professor) must include an in-text citation and reference to avoid plagiarism. Not including a properly formatted in-text citation and reference will affect your grade. Here is the citation for the textbook: Diller, J. V. (2018). Cultural Diversity: A Primer for the Human Services. Cengage Learning. https://www.amazon.com/Cultural-Diversity-Primer-H..

Description Then, complete the following: Select an applied branch of social psychology: psychology and the law, forensic psychology, military psychology, health psychology, environmental psychology, etc. In your initial post, Discover relevant theoretical perspectives. Discuss basic research applicable to solving real-world problems in this domain. Explain a minimum of three specific, relevant social psychological concepts. Predict cultural considerations that may impact the application of this insight to diverse contexts. Formulate original ideas for the application of insight from social thinking, social influence, or social relations to a career proceeding from your selected branch of applied psychology. Your initial post should include an explanation and analysis of applied social psychology. Structure your post using complete Body ParagraphsLinks to an external site., and consider using headings to organize the various required components of the prompt. (See APA Style ElementsLinks to an external site. for guidelines regarding the use of headings in your writing.) Your initial post should reference, at minimum, three scholarly sources in addition to any applicable course resources. Additional Scholarly, Peer Reviewed, and Other Credible SourcesLinks to an external site. are encouraged. Textbook: Aronson, E. (with Aronson, J.). (2018). The social animal (12th ed.). Worth.

Description One common practice in higher education and many professions is the academic conference. Attending conferences allows one to network; hear about the latest research, trends in industry, and practical applications of key insight from the field; and share and receive feedback on one’s own work. For this discussion, you will be participating in a mock conference,  Prior to beginning work on this discussion forum, review Getting Your Master’s? Go to a ConferenceLinks to an external site. and Writing an AbstractLinks to an external site.. Then, complete the following:

Description Case Study Guidelines: The Case Study is the assessment for the Course Learning Outcome, “Students will examine through a written Case Study, two etiological causes, three symptoms, and two forms of treatment for a mental disorder.” Your case study is to be the equivalent of three pages, double-spaced. Your written case study must address the following: two etiological causes, three symptoms, and two forms of treatment for a mental disorder. Please number and bold font these causes, symptoms, and forms of treatment. Please also address some of the other information listed below that you see as pertinent to your case. You will need to provide in-text citations of your sources in APA style as well as APA style references at the end of the paper. You should write your paper in narrative format (as if it were a story being told from either the perspective of the therapist or the client (most students write it from the perspective of the therapist). You will select a mental disorder on which to write your case study. PLEASE ADD THE NAME OF THE DISORDER SOMEWHERE IN THE BEGGINING OF THE CASE STUDY. To write your case study, carefully consider the symptoms of the disorder as listed in the Diagnostic and Statistical Manual of Mental Disorders 5 (DSM 5; if you already have this book. You are not required to purchase this book in order to complete the Case Study), and/or the class textbook. In your case study, you will write about a fictional person, someone you create with your own imagination, who has the mental disorder you are writing about. Be as creative as you can. In the case study, you should list the following things, in “narrative form”. This means that you will not merely write sentences addressing each of these points, but rather, will write a cohesive description of this person and their life. Address these points in your case study in narrative form, along with anything else you would like to include: ? Name of person, age, ethnicity/ethnicities, socioeconomic status, gender, sexual orientation, geographic location, ability status (disabled/able bodied), etc.. ? Profession, student status, etc.. ? Personal life: who live with, where, for how long, kids, etc... ? Social world: Who are their friends, what are the person’s hobbies, etc... ?Family history: parents, siblings, where grew up, how this affected current disorder. Relevant information regarding level of family functioning and support; family history of psychopathology, alcoholism, abuse, etc... ? Past psychological problems, previous therapy, medical problems ? Symptoms and how they affect them personally, and how it affects their functioning in the different areas of their life. ? What types of behaviors are they exhibiting? What have they done to make their disorder better, if anything? ? Finally, pretend that you were to offer recommendations as to what this person should do to treat their problem. What would the goals of therapy be? How would you treat the disorder? Would you recommend individual or group counseling, medication, other treatments?

Description Applied Behavior Analysis (ABA) is a science that uses principles of learning and behavior change to improve socially significant behaviors. In this assignment, you will demonstrate your understanding of key ABA concepts by exploring the following topics: Perspectives, features, and applications of ABA: Discuss the different perspectives within ABA, its key features, and its diverse applications across various populations and settings. Stimulus, behavior, and response: Define and differentiate between the three pillars of ABA: stimulus, behavior, and response. Provide examples of each. Classical and operant conditioning: Compare and contrast the two main forms of learning in ABA: classical and operant conditioning. Use specific examples to illustrate your understanding. Reinforcement: Explain the concept of reinforcement in ABA, including its different types and their effects on behavior. Schedules of reinforcement: Describe various schedules of reinforcement used in ABA and analyze their impact on behavior acquisition and maintenance.

Description Create a question and/or case scenario relevant to 1) the responsible conduct of a BA, or 2) BA's responsibility to clients.  

Description Part 1 Choose one of the topics and its corresponding question below for your post this week: 1.  In many countries, women comprise more than half of the population and about half of the workforce.  Why are perceptions that women do not work so common?  How does the media influence this perception? 2.  Women often spend 17 years caring for children and 18 years caring for aging parents, primarily during their prime working years.  What federal legislation is particularly significant to working women and family issues? 3.  Organizations with inclusive LGBT policies financially outperform competitors with less inclusive policies.  Why do you think the organizations that are more inclusive outperform competitors?   Part 2 INP3224 Managing Diversity Course Project Power Point Presentation For the Final Project this month you are to develop a power point presentation on a minority group.  I want you to have fun with this project. Prepare the presentation as if you were developing it for and educational or workplace seminar.  I suggest using several pictures throughout your presentation. Make sure to include at least one picture or graphic per section. A power point presentation looks dull with few pictures and a lot of text. I suggest putting the heading of each category on or before the slides in that group, so I know what category each slide is in.   The project must be a minimum of 20 content slides, this does not include title, section heading, and reference slides. The citations must be in proper APA format. Please follow the order that is listed below. Make sure your slides stay in order.  Part 1 – Introduction of Minority Group: 2 to 3 slides introducing the minority group. This may include things like pictures, symbols, or any cultural characteristics representing the minority group you are researching.  Part  2  – Key Facts: 2 to 3 slides mentioning some of the relevant key facts outlined by the chapter or research.  Part  3  – History of Minority Group in the US: 2 to 3 slides describing the history of the minority group in the US.    Part  4  – Population: 2 to 3 slides describing the population of the minority group in the US.    Part  5  – Education,  Employment,  and Earnings: 2 to 3 slides describing the education levels,  employment,  and earnings of the minority group.  Part  6  – Stereotypes: 2 to 3 slides describing the stereotypes associated with this minority group in the US.    Part  7  – Strengths: 2 to 3 slides describing some strengths of this minority group. Part  8  – Strategies: 2 to 3 slides describing some strategies for inclusion of this minority group. Part  9  – Popular Culture: 2 to 3 slides describing some ways that this group is represented, or not represented, in modern popular culture. Part  10  – Reference Slide: Please conclude your presentation with a reference slide.  This presentation is worth 20 % of your grade.