Historically foreclosure was a last resort for individuals that own homes. However, in some states people can voluntarily give up their home to their mortgage lender and escape from any further potential liability to continue to pay the mortgage. This in particular is common in situations where the home is worth significantly less than what is remaining on the mortgage. Should this be allowed or should people still have to pay the difference between what their lender is able to get for the home if they foreclose on it and what was remaining on the mortgage?

Answers

Answer 1
Hello, yes it's actually common for people to give up their home to avoid further payment only if their lender agrees and allows that to happen. But of course, the remaining balance (the difference of the house value and what's left of the mortgage) must be paid. Walking away from an underwater mortgage can seriously affect that person's financial future and by extent his/her relationship with the community. His/Her credit score will go down with this, it may be difficult for him/her to qualify for another mortgage in the future. Another reason is that - in most states, it is completely legal for lenders to go after the difference (deficiency) because technically they own that and have rights to it.

Related Questions

Lack of and poor layout or are some of the barriers to good communication.

Answers

Lack of clarity and poor organization in communication can hinder understanding, creating barriers to effective interaction and collaboration.

Effective communication is crucial for successful interactions in various aspects of life, and several barriers can impede its quality.

One significant barrier is the lack of clarity in communication.

When messages are vague or ambiguous, misunderstandings can arise, leading to confusion and potential conflicts.

Additionally, poor organization and structure in communication can hinder comprehension.

If information is not presented in a logical or coherent manner, recipients may struggle to grasp the intended meaning.

Another barrier is a lack of active listening.

When individuals fail to fully engage and attentively listen to others, they may miss important details, leading to incomplete understanding and ineffective communication.

Moreover, cultural differences and language barriers can impede communication, as diverse backgrounds may result in varying interpretations of messages.

Emotional barriers, such as stress, anxiety, or preconceived notions, can also hinder effective communication.

When individuals are emotionally distressed, they may struggle to express themselves clearly or may misinterpret others' messages.

Overcoming these barriers requires efforts to enhance clarity, active listening skills, cultural awareness, and emotional intelligence, fostering an environment conducive to open and effective communication.

Question

What are some of the barriers to good communication? Lack of and poor layout or  are some of the barriers to good communication.

Final answer:

Communication barriers include lack of preparation, poor layout of ideas, and cultural differences. Ineffective written communication can involve too much informal language or a lack of clear transitions. Recognizing and addressing these barriers is essential for effective communication in business and education.

Explanation:

Lack of communication skills and poor layout of ideas are notable barriers to effective communication in various settings, including business and education. Critical issues that contribute to communication barriers include lack of preparation, which may lead to conveying a lack of confidence and a negative attitude. Additionally, a speaker's messy appearance or arriving late can leave a poor impression, influencing how the message is received.

In written communication, using too much informal language or combining casual and formal language inappropriately can disrupt the clarity of the message. A logically unclear sequence of information, insufficient transitions, and excessive summarization rather than analysis can also be significant barriers. These aspects can lead to a loss of coherence and can make it difficult for the reader to follow the discussion.

Additionally, in classrooms and workplaces, cultural differences can influence communication styles. For example, different ethnic groups might communicate more assertively or passively than others. This can lead to miscommunication if not understood or respected by the other party. Adding to the classroom scenario, if educators are not aware of the cultural barriers affecting communication, it can be challenging to connect with and effectively teach students from diverse backgrounds.

Poor communication is not just limited to personal interactions but can extend into the design and planning processes. Poor decisions made early on can result in a design or plan that fails to meet the needs of the intended audience or customers. This is often seen when there's a lack of coherence in writing, which can be due to simplistic sentence structures, substantive errors, or poor organizational structure. Yet again, insufficient transitions or irrelevant visuals contribute to this communication breakdown.

In sum, effective communication is hampered by a variety of factors ranging from personal presentation and speech to writing style and design layout, underscoring the importance of preparing for and addressing these communication barriers proactively.

Communicating effectively, showing a sense of teamwork, and being a good negotiator are all ways to demonstrate which component of emotional intelligence? A. Social management B. Social awareness C. Self-management D. Self-awareness

Answers

Communicating effectively, showing a sense of teamwork, and being a good negotiator are all ways to demonstrate which component of emotional intelligence? Social management. Possessing all of these qualities and attributes makes you stable in your workplace and overall life environment. Having control of how you act in situations and having good emotional intelligence allows for growth and understanding overtime. Emotional intelligence is defined as being aware and in control of your emotions to successfully and appropriately handle how you feel and act/react in certain situations. 

If a passenger under 18 is not restrained by a seat belt or child safety seat, who is legally at fault? A. The driver B. The passenger's legal guardian C. The passenger D. All of the above

Answers

D. all of the above.

what are the difference between cash advance and cash instalment?

Answers

A cash advance is when money is given to you up front, while a cash installment is when money is given to you in increments (say, monthly)

I hope this helps! :) Can I have Brainliest, please? :)

Final answer:

A cash advance is a service provided by credit card companies where cardholders can withdraw cash, which is repaid in full with interest on the next billing cycle. A cash installment loan is a sum of money borrowed from a financial institution, repaid in set amounts over a specified period.

Explanation:

The difference between a cash advance and a cash installment lies mainly in the mode of repayment and usage.

A cash advance typically refers to a service provided by credit card companies where cardholders can withdraw a specified amount of cash, which is typically a percentage of their total credit limit. This amount is usually repaid in full on the next credit card billing cycle, along with any interest incurred. It's handy when you need immediate cash but often comes with high interest rates.

On the other hand, a cash installment loan, also known as a personal loan, is a sum of money borrowed from a financial institution, repaid in set amounts (installments) over a specified period. Both principal and interest are spread over the tenure of the loan, making regular payments smaller and more manageable. However, you generally need a good credit score to qualify for these loans.

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At a concession stand, Parker bought 3 hot dogs and 2 sodas for $12.15. Tax is included in the price. A hot dog cost $0.80 more than a soda. What is the cost of one hot dog and one soda?

A

$3.90

B

$4.70

C

$5.50

D

$7.30




Answers

the answer might be A
A Is the your answer

Whose responsibility is it to provide and pay for Personal Protective Equipment (PPE)?

Answers

Final answer:

Employers are primarily responsible for providing and paying for Personal Protective Equipment (PPE) for their employees, according to OSHA regulations. During public health emergencies like the COVID-19 pandemic, the U.S. government can also intervene, requiring companies to prioritize PPE production and distribution through mechanisms like the Defense Production Act (DPA).

Explanation:

The responsibility for providing and paying for Personal Protective Equipment (PPE) typically falls on employers. Under the Occupational Safety and Health Administration (OSHA) regulations, employers are required to provide their workers with a safe workplace. This involves providing PPE to protect against hazards that can't be eliminated or reduced enough by engineering controls or administrative actions. In the context of the COVID-19 pandemic, the federal government can also play a role through measures such as the Defense Production Act (DPA), which can compel private companies to prioritize production and distribution of PPE for national emergencies.

During the COVID-19 crisis, there were significant challenges with PPE availability. Despite investments, shortages occurred, and in response, there were calls for the federal government to leverage the DPA to address the issue. Ultimately, the government's role is to ensure that the use and maintenance of medical equipment and PPE are up to standards that safeguard healthcare workers and the public.

Healthcare providers must often navigate difficult situations, balancing following protocols with the challenges posed by limited resources. Decisions about liability, whether for hospitals following flawed procedures or manufacturers facing equipment failure, are complex and raise questions about the division of responsibility between the private sector and government during emergency responses.

A Christian has a sin nature. true or false

Answers

I, THE GREAT PAPYRUS, DECLARE THAT IT IS FALSE!

You decide to invest in a period annuity that offers 4.5% APR compounded monthly for 20 years. How much money will you need to invest if your desired yearly income is $42,000?

Answers

Final answer:

To calculate the amount of money you will need to invest, use the formula for the future value of an annuity. Substituting the given values, you can find the amount to invest for the desired annual income.

Explanation:

To calculate the amount of money you will need to invest, we can use the formula for the future value of an annuity:

FV = P * ((1 + r)^n - 1) / r

Where:

FV = Future value of the annuity

P = Periodic payment (yearly income)

r = Annual interest rate divided by the number of compounding periods per year

n = Number of compounding periods

Substituting the given values:

FV = 42000 * ((1 + 0.045/12)^(20*12) - 1) / (0.045/12)

After calculating the above expression, you will get the amount of money you need to invest to achieve your desired annual income.

Final answer:

To calculate the initial investment needed to achieve a yearly income of $42,000 from a period annuity offering 4.5% APR compounded monthly for 20 years, use the present value formula for an ordinary annuity with the given parameters.

Explanation:

To determine how much money needs to be invested to achieve a yearly income of $42,000 from an annuity that offers a 4.5% annual percentage rate (APR) compounded monthly for 20 years, we use the present value formula of an ordinary annuity. The formula is P = PMT * [(1 - (1 + r/n)^(-nt)) / (r/n)], where P is the present value of the annuity, PMT is the annual payment, r is the annual interest rate, n is the number of times the interest is compounded per year, and t is the number of years.

In this case, PMT is $42,000, r is 0.045 (4.5% expressed as a decimal), n is 12 (since the interest is compounded monthly), and t is 20.

So, the calculation would be:

P = $42,000 * [(1 - (1 + 0.045/12)^(12*-20)) / (0.045/12)]

Calculating this out will give the amount of money that needs to be invested initially to achieve the desired yearly income.

Gabriella's business hasn't been doing well. She has a retail store where she is selling dog treats, baby clothes, and high-end athletic shoes. When people walk by her store, they're unsure of what she is selling. Based on the information provided, why might Gabriella be having difficulty?


She hasn't developed a targeted niche.







Her products are of low quality.







She has too much inventory.







She isn't hitting the right price point.

Answers

I'm pretty sure it's "She hasn't developed a targeted niche."

Answer:

Gabriela is having difficulty because she hasn't developed a targeted niche

Explanation:

To be successful in a business you have to create a niche (services or goods that are for a special group of customers in large population of people) In Gabriela's business she try's to sell to the whole population by selling dog treats,baby cloths and high-end athletic shoes therefore making her prospective customer to be unsure of what kind of service she offers which in turn causes her to have difficulty in attracting and selling her products

an investment of $1000 today invested at 10% for two years. what is the future value?

Answers

I believe the answer is 1210 dollars

The future value of the investment after two years is $1210.

The future value of an investment of $1000 today invested at 10% for two years is calculated using the formula for compound interest:

FV = P x (1 + r)ⁿ

where (FV) is the future value, (P) is the principal amount, (r) is the annual interest rate, and (n) is the number of years the money is invested.

Given:

- Principal amount (P) = $1000

- Annual interest rate (r) = 10% or 0.10

- Number of years (n) = 2

Plugging these values into the formula:

FV = 1000 x (1 + 0.10)²

FV = 1000 x (1.10)²

FV = 1000 x 1.21

FV = 1210

Jack has a photography studio. He provides high-resolution images on a disc to all his clients. What step should Jack take before handing over the images?

provide a signed letter on the studio’s letterhead including phone number, address, and e-mail

provide a signed letter on the lab’s letter head including phone number, address, and e-mail

provide a signed letter on the studio’s letterhead including the copyright symbol

provide a signed letter on the lab’s letterhead including photographer’s name

Answers

Answer:

A.) provide a signed letter on the studio’s letterhead including phone number, address, and e-mail

Explanation:

Before handing over the images to his clients on a disc, Jack must provide a signed letter on the studio's letterhead, including the copyright symbol.

What is a copyright?

When a person holds an intellectual property in his own name, such that the rights to usage are limited to such person, and binding upon his or her own will, the copyrights of such intellectual property are with such person.

Hence, option C states about copyright of images clicked by Jack.

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what is a uncommoon credit card fee

Answers

Not all credit cards have an annual fee. You can expect an annual fee on most secured credit cards, some premium credit cards, charge cards, and subprime credit cards. The amount of the annual fee varies. It can be low as $19 or as high as $500, depending on the credit card.

Which type of investment is most likely to have the greatest long-term increase in value

Answers

Which type of investment is most likely to have the greatest long-term increase in value? Stocks and bonds. Stocks and bonds when a company purchases a new asset is one of the best long-term investments you can invest in. Due to them being long-term investments, the asset needs time to accumulate more value for what it's worth before you sell it. Long-term investments value tends to rise overtime and not often would a short-term investment hold if kept to long. 

Which of the following is not one of the Fatal Four events that cause three out of five construction worker deaths?

A.
Caught in or caught between
B.
Electrocution
C.
Falls
D.
Struck down

Answers

A.
Caught in or caught between
B.
Electrocution
C.
Falls
D.
Struck down


Answer: 
None, They are all one of the fatal four

But I would say D

The answer is Caught in or between, Electricution, Falls and Struck by NOT Struck down.

The answer is D - Struck down.

Which type of account typically has very high liquidity, low or no intrest rate, and low minimum balance

Answers

a savings account will be

Nissan Appliances bought two dozen camcorders at a total cost of $5,760. The markup on the camcorders is 25% of the selling price. What was the original selling price of each camcorder?

Answers

the original price of the camcorder is $7,680
(steps/work below)

First, you want to make it into an equation

(original price) - (25% of original proce) = total paid

LETS MAKE THIS SIMPLE BY USING VARIABLES!
original price = x
25% of original price = 0.25x
total paid = 5,760

Rewrite our new equation.

x - 0.25x = 5,760

now lets solve

to get the "x" alone on both sides we can divide by 0.75

x=7680

the original price of the camcorder is $7,680

plug in numbers to variables to check your work

7680 - 0.25(7680) = 5760
7680 - 1920 = 5760 

Final answer:

The original selling price for each of the 24 camcorders bought by Nissan Appliances, with a markup of 25%, is $320.

Explanation:

Nissan Appliances purchased two dozen camcorders at a total cost of $5,760. To determine the original selling price of each camcorder, we first need to note that two dozen camcorders amount to 24 units. Then, we must understand that a markup of 25% on the selling price means that the cost is 75% of the selling price since cost plus a 25% markup equals the selling price (100%).

First, let's find the cost price of one camcorder: $5,760 / 24 = $240. Since $240 is 75% of the selling price, we can find the selling price by dividing the cost price by 75% (or 0.75). So the original selling price of each camcorder is $240 / 0.75, which equals $320.

The majority of appointed U.S. Treasury secretaries have been either former partners and/or managers of Goldman Sachs, a global investment management firm. Sociologists would argue that this overlap between private business and the federal government is an example of:

Answers

Sociologists would argue that this overlap between private business and the federal government is an example of power elite. The Power Elite is actually a book written by sociologist C. Wright Mills. This book explains the interwoven, mixed interests, of military leaders, government officials and corporate beings within various organizations. He writes and explains the power behind these decisions and examines how each entity runs and is interlocked. 

Which of the following is a significant decline in general economic activity over an extended period that includes declining real income and rising unemployment? a. A business cycle b. A recession c. A bubble d. A transfer program

Answers

Which of the following is a significant decline in general economic activity over an extended period that includes declining real income and rising unemployment? Recession. Not only does a recession decline real income and unemployment rise, trade and industrial activity are also reduced because of the fall of GDP. GDP is gross domestic product and it is the value of all goods and services produce over a set amount of time. Recessions can last for a few weeks or months and sometimes it can turn into years. When a country is in a recession it is in a very bad economic state. 

the answer is d hoped i helped

Grace wants to be an astronaut. Which of the following goals would be appropriate for her? I want to be an astronaut by age 30. I want to be an astronaut because it's what I have always dreamed about. I have always been interested in space. I will become an astronaut by completing an undergraduate degree in aerospace engineering and a doctoral degree in biology. I will attain this goal by age 30.

Answers

Grace wants to be an astronaut. Which of the following goals would be appropriate for her? I will become an astronaut by completing an undergraduate degree in aerospace engineering and a doctoral degree in biology. I will attain this goal by age 30. Although the statements above all relate to becoming an astronaut, this one is the only statement that expresses how Grace will become an astronaut. Growing up, we all have dreams of what we would like to do but knowing how and setting a goal for accomplishing them makes a dream become more of an attainable reality. 

Answer:

I will become an astronaut by completing an undergraduate degree in aerospace engineering and a doctoral degree in biology. this is a very good goal that will motivate Grace to becoming an astronaut

Explanation:

Grace wanting to be an astronaut by age 30 is wish she would like to accomplish but mere wishes isn't enough goal.

Grace wanting to be an astronaut because she dreams about it is still not an actual goal because dreams without passion and plan can't be achieved.

completing an undergraduate degree in aerospace engineering and a doctoral degree in biology is a very good goal in her quest to becoming an astronaut. been interested in space in a step to studying for an undergraduate degree in aerospace engineering.

how the radiations from space detected by Arno Penzias and Robert Wilson provides evidence for the Big Bang Theory.

Answers

Hello User

Answer: They predicted that the Universe were created in a Big Bang. Today, we would see the glow of light that was released when atoms first formed when the universe was about 300,000 years old. 

I hope I helped
-Chris

Arno Penzias and Robert Wilson discovered cosmic microwave background radiation in 1964, which matched theoretical predictions of the Big Bang's afterglow and provided strong empirical evidence supporting the Big Bang theory. Their findings earned them the Nobel Prize in Physics in 1978.

How the Detection of Cosmic Microwave Background Radiation Supports the Big Bang Theory

In 1964, Arno Penzias and Robert Wilson, scientists working at Bell Laboratories, discovered an anomalous cosmic microwave background radiation (CMB) using a horn-shaped antenna designed for satellite communications. This discovery was serendipitous, as they initially could not attribute the persistent noise detected by their antenna to any specific Earth or space-based source. After eliminating potential terrestrial sources and even cleaning pigeon droppings from the antenna, they found that the radiation was isotropic—not coming from one specific place but uniformly from all directions.

Their research coincided with theoretical predictions made by physicist George Gamow and collaborators in the late 1940s, who hypothesized that the Big Bang would have left behind blackbody radiation, which would now be detectable as a cool afterglow stretched into the microwave region of the spectrum. After consulting with theorists at Princeton University, Penzias and Wilson realized that they had stumbled upon this cosmic afterglow. The uniformity and spectrum of the radiation matched the characteristics expected from the early, hot, dense state of the universe, providing significant empirical support for the Big Bang theory. Penzias and Wilson's findings were published and earned them the Nobel Prize in Physics in 1978.

To StaySafe around electricity, Ted needs to:

A.
Follow his gut instinct
B.
Follow procedures established by his co-workers
C.
Make sure electrical hazards are resolved immediately
D.
Practice electrical safety only when his employer is watching

Answers

I would say C. Make sure electrical hazards are resolved immediately. 

Answer:

The correct answer is option C.  Make sure electrical hazards are resolved immediately.

Explanation:

It is extremely important to exercise caution when handling electricity, as electrical hazards can cause serious injury and even death.

Never touch wires or electrical plugs if you are not a specialist.

If there is any problem with electricity, what needs to be done immediately is to solve them to prevent any person from suffering any damage.

Therefore, the correct answer is option C. Make sure electrical hazards are resolved immediately.

What is a reason that a person's personal life might not fit into the traditional nine-to-five work day?
1.A single mother may have a child to drop off and pick up from school each day.

2.A person may have a chronic illness that requires lots of daytime doctor visits.

3.An elderly parent who needs constant care might live with the person.

4.all of the above

Answers

i think
answer choice 4. all of the above

13 chocalate bars cost 21 dollars. How many candy bars can you get with 1 dollar?

Answers

0.619047619047619 is how many you could get. So about .62

Which type of financial institution typically has membership requirements?

Answers

credit union is your answer 

the answer is credit union hope i helped 

Your credit card history is tracked by all of the following except:


A. Equifax
B. Federal reserve
C. Experian
D. Trans union

Answers

The correct answer would be B. Federal Reserve. It does not track your credit card history. The federal reserve is the central banking system of the United States.

Popular author J. K. Rowling, who was once poor, has earned a fortune with her Harry Potter books. Rowling is now a member of the _______ class.

A. middle
B. upper-upper
C. upper-middle
D. lower-upper

Answers

Popular author J. K. Rowling, who was once poor, has earned a fortune with her Harry Potter books. Rowling is now a member of the upper-middle class. 
Though J. K. Rowling has made a fortune for herself from her Harry Potter series and moves, she started out on the very bottom. Most people in the upper-upper class have been wealthy from generations to generations and it is passed down. Though members of that class can earn it on their own, they are typically people in power over major decisions. Rowling is above the middle class as income goes and falls right in the upper-middle class category. 

What is the typical relationship between a persons network size and the number of jobs leads they have

Answers

The bigger the network, the more jobs leads they will have.

Answer: B

Explanation:

It’s right

The best place to search for free (and paid) software for customizing your Hootsuite dashboard to your exact business need is called the?

Answers

The best place to search for free (and paid) software for customizing your Hootsuite dashboard to your exact business need is called the App Directory. The app directory in Hootsuite will let you customize your dashboard. There are a good amount of functions and customizations you can do within Hootsuite to set it up to best meet your needs. 

discuss methods of political science

Answers

Political Science uses scientific methods to study both political facts and values but gives primary importance to the study of facts. (I.e. what is there and what is actually observed and observable.)

If government is increasing spending and decreasing taxes, what type of policy is it conducting? a. Expansionary monetary policy b. Contractionary monetary policy c. Contractionary fiscal policy d. Expansionary fiscal policy

Answers

The answer is b. Contractionary monetary policy



Answer:

Contractionary monetary policy

Explanation:

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What is the hydronium ion concentration in a solution of HCl that has a pH of 4.65? 10n M n = What is the hydroxide ion concentration in a solution of NH3 with a pOH of 4.65? 10n M n = Use logarithms to solve each equation 2x9/8=111 When two firms who do not participate in the same industries, for example a software company and a fast food restaurant company decide to merge, the result is called a ____________ merger? Why is it protective for the crayfish to have its nerve cord on the bottom of its body? The distance between the y value in the data and the y value predicted from the regression equation is known as the residual. what is the value for the sum of the squared residuals Which skin layer contains pigmentation?epidermisdermisfatty tissue Which of these is the MOST significant impact of the wide availability of computers and high-speed internet connections since the start of the 21st century? A)an increase in television sales B)a decrease in college graduates C)more people teleworking from home D)renewed interest in the space program Chou is curious about the effect of magnets on how plants grow. He sets up 10 pot with alfalfa sprouts. He places strong magnets under five of the pots but does not put magnets under the other five pots. This is an example of which scientific practice A. Collecting data B. Providing explanations C. Communicating results D. Performing and investigation The height of a model rocket is 4.5% of the height of the actual rocket. The model is 1.32m high. How high is the actual rocket? Please show your work. the effect is that waste water does not tax water treatment centers.what is the cause? Your test scores in one class are 82 and 88. What possible scores can you earn on your next test to have a test average between 85 and 90, inclusive? the legal principle of parens patriae the difference between the product of 6 and a number and negative two times the number He counted 206 wheels and 170 pedals. How many bicycles and tricycles does he have. Consider Hermann Goering's behavior at the trial. Why did he behave the way he did and how does that play into his eventual suicide in the Holocaust? What does volume mean Which is an equation of the given line in standard form?A. -6x+5y=13B. -6x+7y=-11C. -6x+7y=11D. -7x+6y=-11 which aspect of relativity makes faster-than-light travel theoretically possible? A) time dilation B) the ability of space-time to move C) mass-energy equivalence D) gravity bending light how are natural resources used in australiaa.) Australia exports its natural resources b.) the Australian government owns and protects its natural resources c.) Australians keeps all natural resources within the countryd.) australians imports natural resources from other countries A space probe discovers a planet inhabited by creatures that reproduce with the same hereditary patterns seen in humans. three of the phenotypic characteristics of these creatures are: height, antennae, and nose morphology. earth scientists were able to do some controlled breeding experiments with these organisms. 100 males and 100 females were used in the experiments and the results of a number of crosses are shown below. review this information and use it answer the questions that follow.