Pre paid card money is - Study guides, Class notes & Summaries
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Personal Financial Literacy-AES Questions and Answers Rated A
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Personal Financial Literacy-AES Questions and Answers Rated A 
Money you earn from assets you have purchased or created. Generally recurring income. Passive 
The top salary you can make. Earning potential 
The quality, state, or fact of being able to generate, create, enhance, or bring forth goods and services. Productivity 
Meredith received a refund of $500. Meredith needs a new laptop, but she would also like to go on vacation to the Bahamas. If Meredith purchases the laptop, what is her oppo...
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Maryland State Exam Practice 2 Questions & Answer 100% Solved
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Broker Zeke is busy and doesn't have time to go to the bank, so he deposits his client's earnest money funds into his personal account. He plans to move the funds to the appropriate account within a week. This violation is an example of ______. 
 
ngling 
actual interference 
re to disclose agency relationship 
rming services that would qualify as practice of law - Answer commingling 
 
Jerome let his license expire four years ago when his wife had twins and he decided to become a stay-at-ho...
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HUD Housing Counseling Exam Questions & Answers 100% Correct
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Rental Obstacle + Solutions: Low Income - Answer -Some Renters reject people whose Rent would be more than 30% of GMI 
-Solutions 
-Apply for Housing Assistance 
-Expand housing search areas 
-Get a roommate 
-Move in w/family or friends 
 
Strategies for decreasing expenses and debt - Answer Prioritize "needs over "wants" 
-reduce or eliminate "wants" 
-cancel or downgrade services(e.g. cable, telephone) 
-limit miscellaneous spending 
- stick to a shopping list 
- pay off a loan or credi...
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W!SE Financial Literacy Test Questions with 100% Complete Solutions Rated A+
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assets - money and other valuables belonging to an individual or business, e.g a car, a house, stocks/retirement, antiques, collectibles stuff that you OWN 
 
opportunity cost - Cost of the next best alternative use of money, time, or resources when one choice is made rather than another 
 
Sources of Income - wages, rentals (real estate), interest, capital, profits, investments, entrepreneurship 
 
Exemption (aka an allowance) and how does it work - allowance is used to reduce amoun...
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HUD Housing Counselor Certification Practice (HUD Knowledge Assessment) Questions And Answers Already Graded A+
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HUD Housing Counselor Certification Practice (HUD Knowledge Assessment) Questions And Answers Already Graded A+ 
 
What is the maximum percent of area median income allowable for a household to qualify for a Housing Choice Voucher? 
50% 
Which is the maximum recommended housing ratio for renting an apartment? 
30% 
Eligibility requirements for down-payment assistance programs include which factors? 
Income, home-buyer education, purchase price 
The client is considering an FHA mortgage. What is ...
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HUD Housing Counselor Certification Practice Exam Solved 100%
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What is the maximum percent of area median income allowable for a household to qualify for a Housing Choice Voucher? - Answer 50% 
 
Which is the maximum recommended housing ratio for renting an apartment? - Answer 30% 
 
Eligibility requirements for down-payment assistance programs include which factors? - Answer Income, home-buyer education, purchase price 
 
The client is considering an FHA mortgage. What is the upfront mortgage insurance premium (UFMIP) for an 
FHA mortgage? - Answer 1.75% 
...
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HUD Housing Counseling Exam 2023/2024
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HUD Housing Counseling Exam 2023/2024 
 
Back-end ratio 
The back-end ratio (or debt-to-income ratio) compares total debt to gross monthly income. The client's only debt is a $435 lease payment, so the $950 mortgage payment brings his total monthly debt to $1,385. He earns $50,000 per year, which equals $4,166.67 per month. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly inco...
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CFE Exam 349 Questions with Verified Answers,100% CORRECT
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CFE Exam 349 Questions with Verified Answers 
 
Falsified Hours & Salary Schemes - CORRECT ANSWER The most common method of misappropriating funds from the payroll is the overpayment of wages. For hourly employees, the size of a paycheck is based on two factors: the number of hours worked and the rate of pay. Therefore, for hourly employees to fraudulently increase the size of their paycheck, they must either falsify the number of hours they have worked or change their wage rate. 
 
Common ways ...
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BTEC BUSINESS LEVEL 3 EXAM QUESTIONS and Answers
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Give two features of a premium current account. - Answer- travel insurance 
cinema tickets 
Monthly fee 
 
Describe the role of the Financial Ombudsman Service. - Answer- acts as an independent assessor when dealing with complaints between consumers and financial service providers 
 
Explain two benefits of pre-paid credit cards of the type used when on holiday - Answer- it allows you to take money on holiday in a safe and secure way because if the pre-paid credit card is stolen it cannot be use...
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HUD Housing Counseling Exam Questions & Answers Solved 100%
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Back-end ratio - Answer The back-end ratio (or debt-to-income ratio) compares total debt to gross monthly income. The client's only debt is a $435 lease payment, so the $950 mortgage payment brings his total monthly debt to $1,385. He earns $50,000 per year, which equals $4,166.67 per month. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly income equals 24%. 
Calculation: 
Deb...
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