Analyze/evaluate the following FSR’s to answer questions 1-3 : Net Cash Flow                                           Negative ($500/month)Mortgage Debt Service Ratio                   40% of Gross IncomeTotal Debt Service Payment Ratio           55% of Gross IncomeSavings Ratio                                             1% of Gross IncomeCash Emergency Fund                              1 month of living expenses & debt payments 1. Are there any ratios that need addressing/correcting? 2.  How is this borrower managing their finances? 3. Which 2 financial standing ratios are the most important to correct and why?

Credit Cards Select one of the following statements defending your answer a. In today’s world credit cards are of if managed responsibly, explaining what responsibly means? b. I am strongly opposed to the need for credit cards, as they are an “I love debt” score encouraging consumers to overspend on wants and creating financial issues, so I do not plan to get any credit cards?

Analyze/evaluate the following borrower’s profile to answer questions 1-2 Occupation:                                        Fireman (H) – Nurse (W)Income:                                               $150,000 annuallyFamily:                                                 3 children (8, 10, 12) Home:                                                 $600,000 Fair Market ValueHome Loan:                                       $540,000 = 90% Loan-to-ValueHome Debt Service Ratio                 45% Other Debt:                                        $160,000 (3 Cars, Boat, RV)Total Debt Service Ratio                   60%                                     Credit Score:                                       590Credit Card Debt:                               $25,000 Cash Emergency Fund:                      $1,000 Budget:                                                Not currently Retirement Savings:                           LowCollege Savings:                                 None A.  Is this borrower managing their finances well?  Cite supporting reasons?  B.  What would you recommend this borrower do to improve their finances?      

Which of the following tend to be budget busters for most people: No children [a1] Discretionary spending [a2] Dining out frequently [a3] Impulse purchases [a4] Too much home or car [a5] Kids attending public schools [a6] Hobbies [a7] Excess level of daily Starbucks coffee [a8] Spending on needs [a9] Private Schools [a10]

What is the correct way to count rows matching a condition?

Which calculates the average Sales by Region?

Of the hand tools shown below, which hand tool/s have teeth that are visible in the pictures below? (Select all that apply) 

Which Position does the valve fail to?

87 lbs. = _____ kg Only provide the number.  Round to the nearest tenth.

A 36 year-old patient was admitted to the hospital with syndrome of innapropriate release of anti-diuretic hormone (SIADH). As the nurse, you understand which laboratory value is associated with this condition?