Category: Social Science

Please respond. to. Samantha. with. 150. words
Discussion 3 Chapters 5 & 6 Refl

Please respond. to. Samantha. with. 150. words
Discussion 3 Chapters 5 & 6 Reflection Summary
NewActions
Bre 126 – Real Estate Finance
Samantha Thompson
2-23-2024
Huber, W.
Chapters # 5 & 6
Overview
Chapter 5 covers 4 concepts and the first one is Ethics which simply means to do the right thing, the second one covers Fraud, which deals with mortgage fraud or fraud of property and consumer protection. The third covers Fair Lending is equal lending with no discriminations and the fourth is The Real Estate Industry and Fair Lending which deals with federal fair housing laws and Civil rights Act.
Key Concept from Chapter 5
In this chapter I learned that there are many fraudulent schemes in real estate. One would be the Air Loan Fraud scheme is when the borrower and property don’t exist. The mortgage broker sets up a mailboxes to confirm the fake applications, he/she opens a bank account and even set up phone numbers.(p. 99). Wow some people are pretty bold and have no fear of which this is no surprise, criminals always lurking.
Key Concept from Chapter 6
Chapter 6 teaches about Federal Regulation. Federal Regulation such as TILA-Truth in Lending Act, RESPA-The Real Estate Settlement Procedures Act and TRID-TILA, RESPA Integrated Disclosure rule (p. 129). Regulation Z implemented the Truth in Lending Act which requires that the lender must give the consumer a disclosure of all finance charges.
Key Concept from Chapter 5
Another concept in this chapter I learned about is Federal fair Housing Laws – The Civil Rights Act of 1866 was passed by congress after the Civil war ended and you can see what the Civil Rights Act of 1866 on (p.108), I would love to quote it but I dont want to have a high Turnitin percentage, LOL, 🙂 but it is truly so awesome knowing that all have the same rights etc…
Summary
by Samantha Thompson
I really enjoyed these two chapters as they were interesting and very informative. More to learn and I’m ready absorb it all in real estate, that is all the positive absorption to be exact. I do see some math dealing with real estate of course, I’ve always been able to calculate money but have some studying to do with the percentages and fractions I would say but bring it on. 🙂

Part1) Read the textbook (Chap 2: Ethnic Stratification: Majority and Minority)

Part1) Read the textbook (Chap 2: Ethnic Stratification: Majority and Minority) carefully and based on the info presented in the chapter and the notes answer the following questions.
w4r1
What is social stratification?
w4r2
The textbook says that “… in all cases this system of inequality is structured.” (p. 27) Explain what this statement means.
w4r3
According to the textbook, what determines a group’s position in social hierarchy?
w4r4
What ideology does the ruling class use to legitimize social inequality that exists in the US?
w4r5
In many societies, women are the slight majority in term of number. Nevertheless, they are usually considered to be a minority. Explain why.
w4r6
How is the cultural power of the dominant ethnic group (i.e., white Anglo-Saxon Protestants) exhibited in the US?
w4r7
The textbook gives Jews and Koreans as examples of middleman minorities in the US. Other than Jews and Koreans, which group in the US can be considered as a middleman minority? Explain why you think so.
w4r8
Explain how pluralistic minorities differ from assimilationist minorities.
w4r9
Explain how secessionist minorities differ from militant minorities.
w4r10
What kind of minority (pluralistic, assimilationist, secessionist, or militant) are Russians living in the eastern part of Ukraine? Explain your answer.
part2) Week 4 Quiz
Week 4 QuizClick the above link to take the quiz for Week 4, covering Chap 2..This quiz tests your understanding of key concepts presented in Chapter 2. Take this quiz after you have finished reading Chap 2, Chap 2 Notes and Supplementary Readings. This is an open-book quiz.There are 13 multiple-choice questions in this quiz. You can have 1 hour to complete this quiz. Once you start taking the quiz, you have to finish it in one setting.

SW 391: Social Work Practice II, Fall 2023
Current Issues in Group Social Work P

SW 391: Social Work Practice II, Fall 2023
Current Issues in Group Social Work Practice Group Outline method chose(Why Try)
your articles should be related to evidence based interventions or theoretical orientations that are utilized
for substance abuse treatment. Provide a list of articles utilizing APA format to cite articles, and create a
100-200 word abstract summarizing the article and how it relates to your theoretical orientation/chosen
group. Use articles found to inform your understanding of the theoretical orientations used in group social
work practice and also utilize researched interventions as part of your outline for the group session. Please
see Canvas modules for example of Annotated Bibliography.

ACTIVITY: Final Paper – Part 2 (Financing Scenario)
Let’s continue our final pro

ACTIVITY: Final Paper – Part 2 (Financing Scenario)
Let’s continue our final project for this class by writing out the financing scenario for the borrowers. Download the mock data in this form, Borrower Mortgage Profile Data, and save it to your computer or cloud drive. Use this data (or create your own) to write your two paragraphs that will be part of the narrative report for the final paper. Please use. this. text. book Real Estate Finance 8th Edition by Walt Hubert and Walt Zozula, 2018. ISBN: 978-1626841789 Here’s the data sheet:
You will also need to calculate a mortgage payment. Click here to access Karl’s Mortgage, which is a free resource that you can also install on your phone as an app:
https://www.drcalculator.com/mortgageLinks to an external site.
PLEASE SCROLL DOWN TO THE BOTTOM FOR 2 VIDEOS THAT WALK YOU THROUGH THE ASSIGNMENT STEP-BY-STEP.
Instructions
First, read the textbook Chapter 13 (pages 359-365) and textbook Appendix 1 (Real Estate Finance Mathematics; pages 431-438). If you are using the previous version (7th edition), refer instead to Chapter 15, “Real Estate Finance Mathematics”.
Next, using the mock data found in the profile sheet, write 3 paragraphs with facts about the mortgage loan scenario and financial calculations. Answer the questions below (shown in the template) in complete sentences. Write 3 to 5 sentences for each of the three paragraphs.
Lastly, insert textbook pages in parenthesis from Chapter 13 or Appendix 1 and submit assignment here in Canvas. Insert at least one textbook citation (page numbers in parenthesis) per paragraph.
NOTE: You may use your own mock data, rather than the mock data supplied, if you prefer. Do NOT use anyone’s real social security number or other confidential data.
TEMPLATE





Financing Scenario
In the first paragraph, what is the address of the house? How much is the house purchase price? What is the down payment and what amount will be financed? What is the loan to value (LTV)? What are the closing costs? Reference the textbook (Chapter 13 or Appendix 1).
In the second paragraph, we will examine and calculate the loan ratios. What are the monthly housing costs with the new mortgage loan? With the new loan, what would be the debt-to-income (DTI) ratio as the front-end and back-end loan ratios?
In the third paragraph, answer these risk-related questions with full sentences. Is this loan likely to be underwritten by the mortgage company? Why or why not? What type of risks would the lender encounter? How would the risks be minimized? Reference the textbook (Chapter 13 or Appendix 1).
Additional Resources
Acronyms and ExplanationsFront 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.
Loan Calculations – Example
Module 4 Overview PLUS Module 4 Activity (Loan Calculations):
Module 4 – Another video walkthrough step-by-step
Example
DO NOT COPY THIS SAMPLE ASSIGNMENT WORD FOR WORD. Please use the structure as an example only and write in your OWN words. In addition, you will need to do some basic math calculations.
Ima Student
January 1, 2021
BRE-126
Real Estate Financing by Huber
Module 4
Financing Scenario
For Mickey and Minnie Mouse’s loan application the property to be purchased is located at 1961 Rams Road, Victorville, California, 92395. The purchase price is $__________. Since it is an FHA loan, the downpayment is ___%, which is $__________ (p. 434-435). Therefore the loan-to-value (LTV) is ___%, and the loan amount is $__________. Closing costs are approximately ___% of the purchase price, which calculates to $________.
Mickey and Minnie Mouse’s monthly housing costs with the new mortgage loan includes $_______ for the mortgage principal and interest, $______ for the property taxes, $______ for the fire hazard insurance, and $_____ for the MIP insurance, for a total of $________ per month. Calculating the total monthly debts would include the housing total of $______ plus the other three debts listed ($_____) for a total of $_______ monthly debts (p. 361). That makes the debt-to-income (DTI) ratio for the front-end: monthly housing cost $_______ , divided by total monthly income $_______ equals ____% DTI. The back-end loan ratio is total monthly debts $_______, divided by $_______ total monthly income equals ____% DTI.
Yes, this loan is likely to be underwritten by the mortgage company because ____________________________. Possible risks for the mortgage lender would include __________________. However, the risks would be minimized because ______________________ (p. 362).

please respond to cj. with 180 words
Chapter 3 & 4
OverviewChapter 3 entails a

please respond to cj. with 180 words
Chapter 3 & 4
OverviewChapter 3 entails a lot of information and detail about direct lenders and about indirect lenders. It also discusses the role of an private investor which I a interesting in learning about. Chapter 4 is a little smaller chapter, but still has important details such as the secondary mortgage market and the federal credit agencies.
Key Concept from Chapter 3To discuss direct lenders, there is the forces of disintermediation, “which is a loss of savings deposits from financial institutions to higher yielding competitive investments (i.e., Money market funds, which are private investment accounts not insured by the FDIC” (pg. 47). Saving banks is an direct lender that lends to single family residences. Mutual saving banks plays an active role in real estate finance, it’s purpose is to provide long-term mortgage loans.
Key Concept from Chapter 4Securities play an important role because it is an ownership interests in business, associations, or property. The FNMA and FHLMC are government charted private lenders, they were created to establish a strong secondary market. The FHA and the VA are important concepts to look over, the FHA insures as the VA guarantees residential mortgage loans. “While it is commonplace for brokers, borrowers, lenders, and investors to refer FHA loans or VA loans, neither of these government agencies buys or sells mortgage loans.” (pg.80).
Key Concept from Chapters 3 The role of the private investor entails the private individual who is forced into the world of real estate finance. The real estate investment trust (REIT) “is a stock corporation that owns and manages income-producing real estate for their stockholders” (pg.57). The real estate investment trust act, entails that congress makes it possible for investors to enjoy flow in tax advantages partnerships. Most people invest in REIT because they’re not taxed twice.
SummaryTo conclude on this discussion, I enjoyed reading chapter 3 the most, I had a lot to learn about direct lenders and the role in private investing such as REIT stock corporation and the internet or direct and indirect lenders. Chapter 4 gave me insight on what securities are in real estate finance. I also connected the dots of the purpose and details on Fannie Mae and Freddie Mac agencies.

Jigsaw puzzles use strategies that develop problem-solving skills and boost logi

Jigsaw puzzles use strategies that develop problem-solving skills and boost logical reasoning. People complete jigsaw puzzles individually and in groups. In groups, cooperative learning is used to help each other solve the puzzle and build comprehension. Individually, cooperative learning helps build critical thinking. Online, it is difficult to solve the puzzle and build comprehension; however, we will each take a piece of the jigsaw puzzle below and discuss the following questions:
which component of the fire sprinkler is your selected puzzle piece;
when does that component activate; and
where, why, or how is the component used?
Finish with discussing if you have ever seen a sprinkler head activated. If so, where? Did it control or extinguish the fire?

please respond to viridiana with. 200. words
Chapters 3 and 4
Viridiana
02/18/

please respond to viridiana with. 200. words
Chapters 3 and 4
Viridiana
02/18/2024
Huber, W.
Chapters 3 and 4
Summary
Chapter 3 discussed the various sources of loan funds available for real estate loans. There are several lenders in the market for real estate loans that have been around since the establishment of the original building and loan societies in the 1830s, as mentioned in Huber (p. 47). Moving on to Chapter 4, it delved into the secondary mortgage market. I will provide further details about these two chapters in my key concepts.
Key Concept from Chapter 4
According to Huber, the Secondary Mortgage Market is a marketplace where existing loans and servicing rights are sold and bought between mortgage originators, mortgage aggregators (securitizers), and investors (p. 69). In this market, new mortgage loans are frequently sold by secondary mortgage companies. Lenders who are involved in the secondary mortgage market buy mortgages from originators by selling bonds to raise funds (Huber, p. 69).
Key Concept from Chapter 3
Savings banks and commercial banks, also known as savings institutions, share many similarities. Savings banks typically lend most of their mortgages to single family residents, while mutual savings banks lend more to commercial property. According to Huber, mutual savings banks play an active role in local real estate financing activities by providing long-term mortgage loans. They derive over 70% of their assets from savings accounts, which have a long-term quality.
Key Concept from Chapter 3
An equity loan is a type of loan that homeowners can obtain based on the equity of their property. This loan is essentially borrowing money against the value of the home, which places a lien on the property until the loan is fully repaid. According to Huber, an equity loan is typically considered secondary financing because there is typically already at least one prior loan against the property. The first or priority lien on real estate is known as primary financing. (Huber, p. 61).
Summary
These two chapters provide a thorough understanding of real estate lending. The process of buying or selling a home can be influenced by numerous factors. However, we do know that there are several types of loans available for purchasing property.
by Viridiana Zepeda

Complete case study 3, Sanchez Family, and submit by Sunday at midnight. The cas

Complete case study 3, Sanchez Family, and submit by Sunday at midnight. The case study is worth 100 points. Case studies can be found on the Routledge book site. Review the case, and answer the following questions:
What would you say are the three most crucial challenges facing the family? Explain why you see these as the most pressing concerns.
Reflect on how your own background—including your various identities, but also your growing professional identity as a social worker—may affect your choices. For example, has your culture influenced the way you think about certain problems, and thus the importance you place on them? How might different members of the Sanchez family view their situations differently, from their own perspectives?
Which theory might help you prepare for your work with the Sanchez family? What other knowledge would be helpful to you in working with the Sanchez family, and how could you seek out and incorporate that information? Think about what you might need to know about immigration policy, effectiveness of substance abuse treatments, and cultural values of Latinx immigrants and their children.
Reflecting on your social work values, what potential value conflicts do you anticipate, working with different members of the Sanchez family? For example, where might a social worker’s values diverge from Celia’s? from Hector’s?
What are the subsystems in this family?
What are the boundaries like between subsystems and for the family as a whole?
How does the family maintain homeostasis?
What roles does each family member take? How are these roles influenced by the family’s particular cultural identity?
What inputs and feedback (positive and negative) are the family receiving? What are the family’s outputs?
Is the family moving toward differentiation, entropy, negative entropy? Why or why not?
Given your assessment, are there areas that might be of concern with regard to the well-being and functioning of this family? At what points might you want to intervene?
What are the strengths and limitations to using systems theory to assess and intervene with this family? How might you compensate for the limitations of the systems theory by eclectically applying another perspective?

please respond. to. James with 150. words
which component of the fire sprinkler

please respond. to. James with 150. words
which component of the fire sprinkler is your selected puzzle piece;
For my component, since a classmate already chose FDC, I will discuss the standpipe system. Specifically the Class I system. The Class I system is the single 2-1/2″ hose connection as outlined in NFPA 14. The Class II system has an 1-1/2″ hose connection for use by trained personnel and the Class III system is operated by both fire department personnel and trained, on-site personnel using both 1-1/2″ and 2-1/2″ discharges.
when does that component activate;
As part of the supplemental system, the FDC can provide a standpipe, or support the sprinkler system in an effort to either control means of egress for escaping occupants or protect commodities. The standpipes in my jurisdiction are not generally “wet” standpipes. They are typically dry until the FD pumps water into and up to the corresponding floor. Our SOP is connection at the floor below the fire. However, more and more we’ve been seeing standpipes that charge with water upon receipt of a water flow alarm in the sprinkler system. The column of air is replaced by a column of water, thus reducing the time it takes the nozzle attack team to effectively wet their line and get water on the fire.
where, why, or how is the component used
Typically, the standpipes are located in stair towers. The UFC and UCC in NJ determine the size, locations, and distance traveled to place standpipes. Our local ordinance also requires FDC’s and standpipe connections to be within 50′ of a hydrant, so the FD can quickly supplement the fire attack. In a typically standpipe building for us, which is a multi-family apartment, there will be two stair towers. One is designated as ‘attack’ and the other as ‘rescue’. Each will have a standpipe in them, but we delineate this so we can separate the two concurrent efforts, but still be able to adapt with the situation.
Finally, I have seen a sprinkler head activate in the controlling of an internal trash compactor fire. This specialized deluge head sprayed more water than I ever thought a little 1″ pipe could’ve provided. Quite the sight to see! And quite the clean up…

The topic you decide on should be something you care about, and the narration sh

The topic you decide on should be something you care about, and the narration should be a means of communicating an idea that ties to the essay’s theme.
Topics
Most Memorable Incident in Your Life
What Challenges Have You Overcome?
What Do You Do When You Encounter Obstacles to Success?
What Life Lessons Have Adversity Taught You?
Is Struggle Essential to Happiness?
Requirements of the Assignment
Develop an essay according to the following formatting guidelines: (Papers submitted that do not meet these formatting requirements will be returned to you ungraded.)
Minimum of 1typed, double-spaced page (about 500 words), Times New Roman, 12 pt font size