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1 - Answer- The nurse cares for a client with a cuffed tracheostomy tube. Before performing oral care, the nurse notes that the client's tracheostomy cuff is inflated. Which of the following is the MOST appropriate action for the nurse to take? 1. Leave the cuff inflated and suction through the tracheostomy. 2. Deflate the cuff and suction through the tracheostomy tube. 3. Inflate the cuff pressure to 40 mm Hg before suctioning. 4. Adjust the wall suction pressure to 160 to 180 mm Hg before...

OTHER PSI Real Estate Exam 2 Exam (elaborations) PSI State Exam- Real Estate Salesperson 3 Exam (elaborations) PSI LIFE EXAM 4 Exam (elaborations) PSI Real Estate Salesperson exam 1 5 Exam (elaborations) PSI: LIFE, ACCIDENT, AND HEALTH PRACTICE EXAM 6 Exam (elaborations) Maryland Cosmetology Practice PSI 7 Exam (elaborations) PSI Exam Questio

According to the Time Payment of Claims provision, the insurer must make the payment immediately after receiving proof of loss EXCEPT: - if the insured is able to eventually return to work -if the death is suicide or due to a pre existing condition -when the policy is in the incontestability period -for claims involving periodic payments - Answer- for claims involving periodic payments INSURERS MUST PAY LUMP SUM CLAIMS IMMEDIATELY AFTER RECEIVING PROOF OF LOSS What does coinsurance m...

Which of the following would NOT be considered Real Property? 1. Mineral Rights 2. A Leasehold Estate 3. Fixtures 4. Air - Answer- 2. A Leasehold Estate The servient estate in an easement appurtenant is the property 1. owned by the landlord 2. on which the easement is placed 3. owned by the tenant 4. that benefits from the easement - Answer- 2. on which the easement is placed Which of the following statements concerning encumbrances is NOT true 1. All encumbrances are liens ...

The law which requires that transfers of real property ownership be in writing is known as the... - Answer- statute of frauds In a VA loan, there must be... - Answer- an approved appraisal When a land contract is entered into... - Answer- the buyer acquires equitable title A 5 bedroom, 1 bathroom residence is an example of what type of depreciation? - Answer- Functional Name 3 essential requirements for a valid deed... - Answer- 1. The buyer and seller must be named 2. Words of Conv...

Broker - Answer- Individual licensed to charge the public for real estate services Broker-Salesperson - Answer- Fully qualified broker who remains under another broker's services Bureau of Subdivided Land Sales Control - Answer- State agency that approves and registers some out-of- state property Continuing education - Answer- Classes required for license renewal Guaranty Fund - Answer- Reimburses people defrauded or badly served by licensees in real estate transactions New Jerse...

African American family would like to courtthisrent a clubhouse but the owners says no because it's a members only is License by eliminating easement through discrimination? - Answer- No, because it is members only An example of the power of eminent domain? - Answer- Condemnation The seller has a beautiful dining room ceiling fixture that matches his entire dining room set. If the sales contract does not specifically state whether the fixture is included in the sale or excluded from it, t...

Government Powers (4 total) - Answer- Police power, taxation, eminent domain, and escheat Police power - Answer- state's authority to provide for the general welfare of the community through legislature and range of enabling acts/statutes that authorize agencies to organize, implement, and enforce obligation. Zoning - Answer- primary mechanism for municipalities to implement police power by establishing regulations controlling how land is used. Begins with a master plan, or comprehensive ...

Which of the following is a permitted free offering? o- A. A complimentary home warranty with every listing B. A coupon for a discounted commission on listing services C. A free dinner for attendees at a homebuyers' evening seminar D. Free use of a local moving van for all listings - Answer- C. A Free dinner for attendees at a homebuyers' evening seminar Depreciation usually applies to . A. the building only. B. the land only. C. both the land and the building. D. income obtained fr...

NJ Real Estate Commission - Answer- Administration of NJ RE licenses by? Dept. of Banking and Insurance - Answer- NJ Real Estate Commission is under Real Estate License Act Title 14 Chapter 15 - Answer- Licenses governed by? Title 11, Chapter 5 - Answer- Rules and regulations set up by the Commission (Administrative Code) Members of NJ Real Estate Commission - Answer- 8 total- 5 Brokers for at least 10 yrs, 1 state gov, 2 chosen by general public. 10 yr term 2 years - Answer- Term...

The type of deed that warrants only that the grantor has not impaired the title during the term in which he held it is referred to as. 1. Quitclaim Deed 2. General Warranty Deed 3. Bargain and Sale Deed 4. Bargain and Sale Deed, CAG - Answer- Bargain and Sale Deed, CAG Taxes raised to pay for improvements that benefit real estate are referred to as 1. Special Assessments 2. Facilities Taxes 3. Ad Valorem Taxes 4. Luxury Rates - Answer- Special Assessments After Borrowers ...

what would prevent a seller from providing marketable title - Answer- Mechanics lien the seller has required that the buyer must use his title insurance company and that brokers reduce their portion of the real estate commission, increasing the sellers net proceeds - Answer- This is illegeal according to respa If a license mentions MLS when advertising, the advertisement must include - Answer- the name of the MLS According to the New Jersey Real estate Licensing Laws, which of the follo...

Three identical homes in a neighborhood were listed at the same time in a market where demand was constant. According to the law of supply and demand, which would have sold for the lowest price? - Answer- The first sold. When compiling a competitive market analysis, a broker would look for comparable properties that - Answer- were located near the property being listed. If an older building cannot be air-conditioned, it is an example of - Answer- functional obsolescence. A prospective s...

Water Rights - Answer- The terms "littoral," "riparian," and "appropriative" refer to A salesperson lists a property with a contract that allows for subagency and dual agency. The salesperson is - Answer- an agent to the broker and a subagent to the principal. Depreciation is calculated based on the - Answer- Cost of the building only. When a property owner uses his home as collateral for a loan and creates a lien in favor of the lender, title is held by the - Answer- mortgagor ...

Insurance Company C has decided that it is insuring too many homes in a particular area. Therefore, it decides to reinsure Mr. R's Homeowners Policy because of the high value of his dwelling. The reinsurance contract can best be described as: A An agreement between Mr. R and the reinsurance company B An agreement between Insurance Company C and the reinsurer C An agreement between Mr. R, Insurance Company C, and the reinsurer D An agreement between Mr. R's agent and Insurance C...

Insuring Agreement - Answer- company's obligation to pay, includes the perils and coverage for specific or named peril policies Exclusions - Answer- what the policy will not pay for Definitions - Answer- names of the persons insured in addition to the named insured are listed here, along with any other (blank) of terms in the policy Additional Coverage - Answer- coverages under a policy that are provided by the insurer at no extra cost Casualty Policies - Answer- defense costs over ...

A flood damages a single-family dwelling that is in a community in the early stages of participation in the NFIP, but they are not yet considered participating. What is the maximum a resident may receive for damages to their personal property? - Answer- $10,000 Under the Dwelling Broad Form, losses to an unattached garage are paid on which basis? - Answer- Replacement Cost Which of the following is false regarding the Building and Personal Property Coverage Form? - Answer- The policy cover...

Bail - Answer- a security depost that guarantees the appearance of a defendant in court for trail, forgeited if the defendant fails to appear for trail; also the act of delivering goods to another to be helf in trust for a special purpose bailee - Answer- a person one who has care, custody, or control of another's property, usually for repair, cleaning, processing, storage, ro service bailee's customer policy - Answer- this provides coverage for loss of or damage to property of others th...

Dwelling Policy - Answer- Only insures property DP-1 - Answer- Basic Form DP-2 - Answer- Broad Form DP-3 - Answer- Special Form Dwelling Coverage A - Answer- Dwelling- Covers dwelling, structures attached to dwelling, and materials/supplies for the dwelling. Dwelling Coverage B - Answer- Other Structures- Insures buildings on premise but separate from the dwelling. Dwelling Coverage C - Answer- Personal Property- Covers the insured's personal property and must be requested. If...

when the courts usually resolve any ambiguity in policy wording in favor of the insured this is because what? - Answer- Doctrine of reasonable expectations Doctrine of Reasonable Expectations - Answer- States: that a policy includes coverages that an average person would reasonably expect it to include, regardless of what the policy actually provides. Which is not an agent's responsibility to the insured? - Answer- Settling and paying claims A women slips and falls on icy steps and bre...