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Sociology

1) Gender Inequality : Sex v Gender Sex : Biological and physical Gender: Social construct, assigned, behaviors and expectations

Created on November 18, 2017 by
1 note(s)
Mercedes Stinger

Student
Chemistry study guide

Created on November 17, 2017 by
1 note(s)
Brooklyn Johnson

Exam 3: Substance-Related & Addictive Disorders

1) Durgs of Abuse : Depressants such as alcohol

Created on November 16, 2017 by
1 note(s)
Abby Helberg

Loan Estimates

1) Loan Estimates Pg. One - Loan terms>amount, interest rate, monthly principal*, Pre-payment penalty, and balloon payment. ***These amounts do NOT increase after closing! *** - Monthly Principal Calculator > - Years 1-7 Years 8-30 Principal interest - - Mortgage Insurance - + - + Estimated Escrow (amt can increase) - + - + Estimated total monthly payment - ---------------- - ---------------- - Estimated Taxes, Insurance, Assessments > Property Taxes in escrow? YES Homeowners Insurance in escrow? YES Other ***You pay for other property costs separately. Amount can increase over time*** - Cost at Closing > Estimated closing costs (loan costs +other costs – lender credits*) Estimated cash to close (includes closing costs) : Pg. Two - Loan Costs A original charges (.__% of loan amounts{points}, application fee, and underwriting fee) B services you cannot shop for ( appraisal fee, credit report fee, flood determination fee, flood monitoring fee, tax monitoring fee, and tax status research fee) C services you can shop for (pest inspection, survey, title- insurance binder, title-lender title policy, title settlement agent, title-title search) *** loan costs will amount ( A+B+C)= D *** - Other Costs E taxes and other government fees (recording fees and transfer taxes) F pre paids (Homeowners insurance premium {_months}, Mortgage insurance premium {_ months}, Prepaid interest {$$/day for _days @ _ %}, and property taxes {_month}) G initial escrow payment @closing (Homeowners Insurance {$/month for _months}, mortgage insurance{$/month for _/months}, and property taxes{$/month for _months}) H other( title-owners title policy) optional* I Total ( E+F+G+H) J Loan costs plus other costs (D+I) , lender credits - Calculating cash to close Total closing costs + closing costs financed (paid form your loan amount) + down payment/funds from your borrower + seller credits +adjustments/other credits= the estimated cash to close - Adjustable Interest Rate Table (AIR) Index + margin mta + _% Initial interest rate _% Minimum/maximum interest rate _%/_% *change frequency >1st change beginning of ___ month >subsequent changes every __ months after 1st change *limits on interest changes >1st change __% >subsequent change __% - Adjustable Payment Table (AP) Interest only payments y__ 1st payments n__ Optional payments y__ n__ Step payments y__ n__ Seasonal payments y__ n__ **Monthly principal + interest payments 1st change / amount ($-$ at __ payments) Subsequent changes (every __ years) maximum payment ($ at __payment)

Created on November 16, 2017 by
1 note(s)
Abby Harris

The Mysterious Mr. Lincoln
This is a study guide online to help you with your test on Monday.
1) ' : kj

Created on November 16, 2017 by
1 note(s)
Mary Mays

ethics state exam question 26-51

1) ethics state exam : sight interpret information if you are informed about different countries customs (i.e. calendar dates)

Created on November 15, 2017 by
1 note(s)
Samantha Bass

ethics state exam

1) ethics guide : stand where the deaf viewer can see both the interpreter and speaker

Created on November 15, 2017 by
1 note(s)
Samantha Bass

Biology Quarterly

1) Chemical Reactions and Enzymes : atoms are the most basic unit of life/matter

Created on November 15, 2017 by
1 note(s)
maddie dahl

nn
nn
1) n mn : kj

Created on November 15, 2017 by
1 note(s)
Lonna McClenithan

Science Study Guide Weather


Created on November 15, 2017 by
1 note(s)
Kristi Nowels

Kapitel 5
Everything covered in chapter 5 of the textbook
1) fgdsgfsdgsd : fsdgs

Created on November 15, 2017 by
1 note(s)
Melia Edgecomb

Sociology

1) Sex is based on social distinctions : True

Created on November 15, 2017 by
1 note(s)
Megan POwers
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