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Adjusted Gross Income -ANSWER- Gross income minus adjustments, or reductions, that one is eligible for, such as deductions for unreimbursed business expenses, tuition and fees, and contributions to certain retirement accounts. AFFH -ANSWER- Affirmatively Furthering Fair Housing AFHMP -ANSWER- Affirmative Fair Housing Marketing Plan Analysis of Impediments (AI) -ANSWER- Analysis of Impediments is a review of impediments or barriers that affect the rights of fair housing choice. It covers...

house, the client closed credit card accounts and has been using savings to pay down credit card debt and collections. The client has not been able to save much for a down payment with all the debt payments but knows about an affordable homeownership program that only requires a 1% down payment with an FHA loan. What might result from the client closing the credit card accounts? -ANSWER- Which action would a client take to improve a credit score? -ANSWER- A client does not receive a w...

credit report may contain which information? -ANSWER- The number of accounts in collection status Six months ago a client left a job as a reporter to start a business in the retail industry. To prepare to buy a house, the client closed credit card accounts and has been using savings to pay down credit card debt and collections. The client has not been able to save much for a down payment with all the debt payments but knows about an affordable homeownership program that only requires a 1...

The client is considering an FHA mortgage. What is the upfront mortgage insurance premium (UFMIP) for an FHA mortgage? -ANSWER- 1.75% If the client was denied a mortgage loan and the lender told him to come back after his divorce had been final for three years, what is the best advice for the housing counselor to provide to the client to report a violation to ECOA? -ANSWER- Contact the Federal Trade Commission as the lender's action might violate the Equal Credit Opportunity Act A questi...

public assistance payments, and retirement benefits. Ground Rent -ANSWER- An arrangement in which the owner of a dwelling or structure does not own the land on which the structure resides. In such cases, the borrower takes out a mortgage to purchase the dwelling, but must still pay rent for the land. HAMP -ANSWER- Home Affordable Modification Program, a component of Making Home Affordable. HARP -ANSWER- Home Affordable Refinance Program, a component of Making Home Affordable. HOA -AN...

Pain can effect the neck or can move into the head, shoulders, or arms Can start without an inciting event risk factors of neck pain -ANSWER- Manual labor occupations Female gender Headaches Smoking Poor job satisfaction Poor biomechanics Chronic pain -ANSWER- neck pain > 12 weeks neck pain clinical presentation -ANSWER- Obtain a thorough Hx and P.E. including past medical, social, occupational, and family history ROS Sx PQRST physical exam for neck pain -ANSWER- Careful o...

2. A child weighing 20 kg has been diagnosed with iron-deficiency anemia and will begin taking an oral iron preparation. What will the provider teach the child's parents about administration of this medication? a. Iron supplements should be given with food. b. The child must take the iron for 3 months. c. The correct dose is 30 mg twice daily. d. The iron is stopped when the hemoglobin increases. -ANSWER- ANS: C The dose for children is 3 mg/kg/day in divided doses. This child should get...

2. A child weighing 20 kg has been diagnosed with iron-deficiency anemia and will begin taking an oral iron preparation. What will the provider teach the child's parents about administration of this medication? a. Iron supplements should be given with food. b. The child must take the iron for 3 months. c. The correct dose is 30 mg twice daily. d. The iron is stopped when the hemoglobin increases. -ANSWER- ANS: C The dose for children is 3 mg/kg/day in divided doses. This child should get...

2. A child weighing 20 kg has been diagnosed with iron-deficiency anemia and will begin taking an oral iron preparation. What will the provider teach the child's parents about administration of this medication? a. Iron supplements should be given with food. b. The child must take the iron for 3 months. c. The correct dose is 30 mg twice daily. d. The iron is stopped when the hemoglobin increases. -ANSWER- ANS: C The dose for children is 3 mg/kg/day in divided doses. This child should get...

2. A child weighing 20 kg has been diagnosed with iron-deficiency anemia and will begin taking an oral iron preparation. What will the provider teach the child's parents about administration of this medication? a. Iron supplements should be given with food. b. The child must take the iron for 3 months. c. The correct dose is 30 mg twice daily. d. The iron is stopped when the hemoglobin increases. -ANSWER- ANS: C The dose for children is 3 mg/kg/day in divided doses. This child should get...