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Air rights are commonly leased or conveyed in In addition to mortgage payments, a homeowner's cost of ownership includes: Which of the following is a factor that can affect insurance premiums? The gain on the sale of an asset for the seller is known as The gain on the sale of a property is the difference between the initial purchase price and the final sales price. a. True b. False

Taxation The right of government to tax real property Condemnation The action of the government in taking private under the right of eminent domain. Abatement The term that describes methods used to handle the control of asbestos found in a property Blackwater Wastewater from toilets Encapsulate To contain, as in an asbestos abatement plan Material Fact Any fact about a property that might influence the decision of a purchaser Brownfields Land known to be haz...

Personality types - Whales: Whales can also be classified by the color yellow. These personalities are humanitarians. They love to be involved with the community and often get involved with charity work and non-profit organizations. Professionally, whales may be teachers or work for non-profits. If you are working with a client who you determine may be a whale, you can draw them in by talking about the ways that you give back to the community that you service and Copyright © 2018 Champions Sch...

Under the Tax Equity and Fiscal Responsibility Act there are three tests for specifying that a sales agent is an independent contractor: -The sales agent must hold a real estate license -the sales agent must be paid on a commission basis -the sales agent must have written contract with the broker specifying the sales agent is not an employee Age Discrimination in Employment Act of 1967 (ADEA) enacted by congress to prohibit age discrimination in employment Genetic Information Nondi...

Agency One person (agent) acts for or on behalf of another (principal) Principal client, give the agent the authority to act Agent one who works for the principal (client) Fiduciary relationship between the agent and the principal; relationship based on trust Universal agent General agent represents the principal in a particular type of transaction or business Special agent limited duties are performed for the principal Duties from the agent to principal ...

A property is owned by two unmarried individuals without right of survivorship. The form of ownership is most likely: A.) Community property B.) Ownership in severalty C.) Joint Tenancy D.) Tenancy in common Three co- owners wish to divide their undivided interests in a property into individually owned tracts of land. This process is known as an______ A.) Alienation B.) Lawsuit C.) Waiver D.) Partition Dwayne and Beth, each single persons, own a parcel of land as joint tena...

The Act that attempts to remove barriers of access to public facilities for disabled individuals is the Americans with Disabilities Act The type of lease in which the tenant pays for rent, maintenance and operating expenses of the premises is the _________ lease. Net lease Which of the following does NOT determine the trade area of a retail store center? Drawing a circle around an area on a map Which of the following is an exception to the handicapped provision? A dangerous dr...

Clauses in a mortgage - page 142 PREPAYMENT PRIVILEGE CLAUSE The prepayment privilege clause is included in some loans and allows the borrower to pay off the loan before the due date without incurring penalties such as those discussed above. LOCK-IN CLAUSE The lock-in clause is a condition of a mortgage loan that prohibits prepayment of the loan prior to a specific date. ALIENATION (DUE ON SALE) CLAUSE The alienation clause reserves the right of the lender to call the note (declare the ent...

The percent of the price that the buyer is borrowing. High ratio means low down payment. Loan to value ratio (LTV) A monthly payment amount of principal and interest required to amortize a loan of $1,000 based on the interest rate and the term of the loan - loan amount divided by 1,000 times the factor equals payment. (LOAN/[1000x]) = payment Loan Factor Part equals percent times total. ( A basic formula for real estate math) P=%xT 5,280 feet 1 Mile Cash due at closing as...

Which of the following is NOT reviewed by loan underwriters o determine creditworthiness? A - Collections, foreclosures, bankruptcies B - Credit Scores C - Inquiries on credit report D - Social Media Platforms ___________________ inquiries are known as neutral inquiries because they are not rated as wither positive or negative on a credit report. A - Periodic Review B - Pre-Approval C - Consumer Initiated D - All of these The borrower is asked to provide their full name, ____...

Required for all FHA transaction regardless of LTV VA loans needs ____% downpayment Eligibility address the question: Refers to a loan made to a Veteran and another person Used to qualify a borrower for a loan based upon the proposed house payment and gross monthly income The most probable price which a property should bring in an open market is... Taxes are assess based upon assessed value of the property and the current tax rate Used as the best i...

The Closing Information section of the Closing Disclosure form includes the date issued, the disbursement and closing dates, the address or location of the property, the value, and the ____________ name and file number. (a) Listing agent' (b) Broker's (c) Buyer's (d) Settlement agent's _________ was established in 1970 for the purpose of purchasing mortgages in the secondary market. (a) Fannie Mae (b) Farmer Mac (c) Ginnie Mae (d) Freddie Mac The fixed rate char...

Effective Age The appraisers estimate of the age of the house based upon its ongoing maintenance and upgrades. A house might have been well-maintained and updated over the years; therefore, the appraiser might determine that the 20-year-old house might have an effective age of 10. Gross rent multiplier formula GRM = Sales Price Monthly Rent Marketing Time A marketing time of over six months may be problematic as it indicates a slow market that creates a drag on property values ...

SML Responsible for the chartering, regulation and supervision of Texas' thrift industry. PENSIL Application Property Address, Estimated Value, Name of the borrower, SSN, Income, Loan Amount SAFE Act Designed to enhance consumer protection and reduce fraud. RMLO The industry term for residential loan originators, as mandated by the SAFE Act. The Community Reinvestment Act enacted in (blank) ensures that banks serve the needs of the community in which they where charted...

What are the signs and symptoms of acute respiratory failure? -confusion -lethargy -inability to waken -tachycardia -tachypnea -restlessness -low O2 stats -use of accessory muscles Normal ABG values Ph = 7.35-7.45 PaCO2 = 35-45 HCO3 = 22-26 O2 = 70-100 What should be included in pre-op education for an x-ray? (7) -reason for the test -smoking status -any breathing issues (problems with deep breaths and holding them) -verify pregnancy status -remove all jewelry -ensure...

Conduction and blood flow through the heart IVC/SVC --> Rt atria --> Tricuspid --> Rt ventricle --> Pulmonic valve --> Lungs --> Lt atria --> Mitral valve --> Lt ventricle --> aortic valve --> aorta --> Body Locations of heart valves (in terms of ICS and clavicular line and auscultation points) aortic valve- 2nd ICS RSB pulmonic valve- 2nd ICS LSB Erb's point- 3rd ICS LSB tricuspid valve- lower LSB (5ICS) mitral valve- 5th ICS midclavicular line ...

What is chronic debilitative pain and what therapies are suggested? Pain that has not responded to previously prescribed medication or surgical measures for more than three months; surgery, physical therapy, psychological therapy and radiotherapy. However, one of the most common treatment forms is the use of medication. What are the payers? the organization that negotiates or sets rates for provider services, collects revenue through premium payments or tax dollars, processes provider cl...

what happens to pulse pressure with age? increases order of assessment for regional cardiovascular assessment 1. pulse/BP 2. extremities 3. neck vessels 4. precordium *begin peripherally and move in towards the heart why do you only palpate one carotid artery at a time? to avoid compromising arterial blood flow to the brain three areas to auscultate the carotid artery angle of jaw, mid cervical area, base of the neck five points to auscultate the heart aortic...

Stages of shock - Initial - Compensatory - Progressive - Refractory Initial stage of shock - At cellular lvl - No outward S/S - Hypoperfusion to tissues - Lactic acid released (elevated) - Not in ER or hospital yet Compensatory stage of shock - S/S but body is compensating to maintain homeostasis - No organ failure - Hypotension - VQ mismatch - Impaired GI motility - Tachycardia w/ ↓ CO - ↑ rate/depth RR - ↓ urine output but BUN/Cr normal - Confusion - Hypoacti...

Which clinical finding would the nurse expect when assessing an infant with pyloric stenosis? -visible peristaltic waves (stomach is attempting to propel its contents through the stenotic pyloric sphincter) -olive-shaped mass in the right upper quadrant Pyloric stenosis narrowing of the opening of the stomach to the duodenum Which pathophysiological rationale explains why a client who is 4 days post abdominal surgery has not passed flatus and has hypoactive bowel sounds and why a pa...