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Taking advantage of ill-informed consumers through excessively high fees, misrepresented loan terms, frequent refinancing that does not benefit the borrower and other prohibited acts is called __________________________. - CORRECT ANSWERPredatory Lending. RESPA-Real Estate Settlement Procedures Act - CORRECT ANSWERThe Federal Statute that deals with the settlement of residential mortgage loans. RESPA's section 9 Prohibits - CORRECT ANSWERHome sellers from requiring home buyers to purcha...

An annuity promises that, if the annuitant dies before receiving payments equal to the correct value, the payments will be continued to a beneficiary until an amount equal to the contract value has been paid. This type of annuity is called An installment Refund annuity A Straight Life annuity A Cash Refund annuity A Joint Life annuity - CORRECT ANSWERAn installment Refund annuity One becomes eligible for Social Security disability benefits after having been disabled for 3 months...

Form SS-8 - CORRECT ANSWERDetermination of Worker Status for Purposes of Federal Employment Taxes and Income Tax Withholding Form W-9 - CORRECT ANSWERFirst, it is used by third parties to collect identifying information to help file information returns with the IRS. The form is never actually sent to the IRS, but is maintained by the person who files the information return for verification purposes. The information on the Form W-9 and the payment made are reported on a Form 1099. Th...

The project manager and team should consider each process along with its inputs, tools and outputs. As a result, they should choose which are applicable. This effort is known as - CORRECT ANSWERTailoring In Initiating, a project charter is created. According to the PMBOK, which person or group may help write the charter? - CORRECT ANSWERProject management team The Monitoring and Controlling Process Group involves: - CORRECT ANSWERTracking, reviewing, and orchestrating the progress of the p...

Wellness can be defined as: - CORRECT ANSWERbehaviors that minimize diseases and disabilities. According to the American College of Sports Medicine (ACSM), a women with a ______ has a major risk factor for atherosclerotic cardiovascular disease. - CORRECT ANSWERlow-density lipoprotein (LDL) reading greater than / equal to 130 mg/dl How many positive risk factors for cardiovascular disease does Steven have? Please review the Case Study below: Steven is a 42-year-old male who is 6' tall a...

Myocardial Infarction - CORRECT ANSWERHear attack occurs due to lack of blood flow through the coronary arteries to the heart muscle Ischemia - CORRECT ANSWERlack of blood flow Stroke Volume - CORRECT ANSWERthe amount of blood pumped with each beat or systole Cardiac Output - CORRECT ANSWERheart rate x stroke volume. usually measured in liters (or milileters) of blood pumped per minute Venous Return - CORRECT ANSWERThe amount of blood returned to the heart by the veins Valsalva Ma...

What is used as a preparticipation health screening tool by a professional for the general (non-clinical) population? - CORRECT ANSWERThe ACSM algorithm Sedentary Known CV, metabolic, or renal disease No signs or sx Is medical clearance recommended? At what intensity? - CORRECT ANSWERMedical clearance is recommended Light-moderate, progress as tolerated Sedentary No known CV, metabolic, or renal disease No signs or sx Is medical clearance recommended? At what intensity? - CORREC...

What is the function of the tricuspid valve? A. It acts as a pacemaker. B. To pump blood through the heart. C. Prevents backflow of blood to the left atrium. D. Prevents backflow of blood to the right atrium. - CORRECT ANSWERAnswer: D What is the fundamental unit of muscle contraction? A. Myofibril B. Sarcomere C. Myosin D. Sarcolemma - CORRECT ANSWERAnswer: B Which chamber of the heart is responsible for pumping oxygenated blood to the body? A. Right ventricle B. Left ventricle ...

Factors for a valid VO2 Max? - CORRECT ANSWERRER > 1.1 Lactate >8mmol/L RPE>18 Plateu in VO2 HR @ age predicted max Drug has half life of 4 hours. IF given 1000mg, what concentration is left after 12 hours. - CORRECT ANSWER125mg Can HR max be changed with training? - CORRECT ANSWERNO How many factors must we see for Valid Vo2 max test? - CORRECT ANSWER3 RER vs RQ - CORRECT ANSWERRER: co2 expired/ o2 consumed at mouth RQ: Co2 produced by cell metabolism/ o2 used by tis...

ADL - CORRECT ANSWEROne's ability to perform daily tasks such as self care and chores Physical Activity - CORRECT ANSWERTransition from rest to active movement Exercise - CORRECT ANSWERPlanned and structured physical activity to improve one or more of the 5 components of fitness 5 Components of Fitness - CORRECT ANSWER1. Cardiorespiratory Endurance 2. Muscle Endurance 3. Muscle Strength 4. Flexibility 5. Body Composition Types of Fitness Conditioning - CORRECT ANSWERHealth Rel...