Category: Social Science

The topic you decide on should be something you care about, and the narration should be a means of communicating an idea that ties to the essay’s theme.
Topics
Most Memorable Incident in Your Life
What Challenges Have You Overcome?
What Do You Do When You Encounter Obstacles to Success?
What Life Lessons Have Adversity Taught You?
Is Struggle Essential to Happiness?
Requirements of the Assignment
Develop an essay according to the following formatting guidelines: (Papers submitted that do not meet these formatting requirements will be returned to you ungraded.)
Minimum of 1typed, double-spaced page (about 500 words), Times New Roman, 12 pt font size

please respond to viridiana with. 200. words Chapters 3 and 4
Viridiana 02/18/2024
Huber, W.
Chapters 3 and 4
Summary
Chapter 3 discussed the various sources of loan funds available for real estate loans. There are several lenders in the market for real estate loans that have been around since the establishment of the original building and loan societies in the 1830s, as mentioned in Huber (p. 47). Moving on to Chapter 4, it delved into the secondary mortgage market. I will provide further details about these two chapters in my key concepts.
Key Concept from Chapter 4
According to Huber, the Secondary Mortgage Market is a marketplace where existing loans and servicing rights are sold and bought between mortgage originators, mortgage aggregators (securitizers), and investors (p. 69). In this market, new mortgage loans are frequently sold by secondary mortgage companies. Lenders who are involved in the secondary mortgage market buy mortgages from originators by selling bonds to raise funds (Huber, p. 69).
Key Concept from Chapter 3
Savings banks and commercial banks, also known as savings institutions, share many similarities. Savings banks typically lend most of their mortgages to single family residents, while mutual savings banks lend more to commercial property. According to Huber, mutual savings banks play an active role in local real estate financing activities by providing long-term mortgage loans. They derive over 70% of their assets from savings accounts, which have a long-term quality.
Key Concept from Chapter 3
An equity loan is a type of loan that homeowners can obtain based on the equity of their property. This loan is essentially borrowing money against the value of the home, which places a lien on the property until the loan is fully repaid. According to Huber, an equity loan is typically considered secondary financing because there is typically already at least one prior loan against the property. The first or priority lien on real estate is known as primary financing. (Huber, p. 61).
Summary
These two chapters provide a thorough understanding of real estate lending. The process of buying or selling a home can be influenced by numerous factors. However, we do know that there are several types of loans available for purchasing property.
by Viridiana Zepeda

please respond to cj. with 180 words Chapter 3 & 4 OverviewChapter 3 entails a lot of information and detail about direct lenders and about indirect lenders. It also discusses the role of an private investor which I a interesting in learning about. Chapter 4 is a little smaller chapter, but still has important details such as the secondary mortgage market and the federal credit agencies.
Key Concept from Chapter 3To discuss direct lenders, there is the forces of disintermediation, “which is a loss of savings deposits from financial institutions to higher yielding competitive investments (i.e., Money market funds, which are private investment accounts not insured by the FDIC” (pg. 47). Saving banks is an direct lender that lends to single family residences. Mutual saving banks plays an active role in real estate finance, it’s purpose is to provide long-term mortgage loans.
Key Concept from Chapter 4Securities play an important role because it is an ownership interests in business, associations, or property. The FNMA and FHLMC are government charted private lenders, they were created to establish a strong secondary market. The FHA and the VA are important concepts to look over, the FHA insures as the VA guarantees residential mortgage loans. “While it is commonplace for brokers, borrowers, lenders, and investors to refer FHA loans or VA loans, neither of these government agencies buys or sells mortgage loans.” (pg.80).
Key Concept from Chapters 3 The role of the private investor entails the private individual who is forced into the world of real estate finance. The real estate investment trust (REIT) “is a stock corporation that owns and manages income-producing real estate for their stockholders” (pg.57). The real estate investment trust act, entails that congress makes it possible for investors to enjoy flow in tax advantages partnerships. Most people invest in REIT because they’re not taxed twice.
SummaryTo conclude on this discussion, I enjoyed reading chapter 3 the most, I had a lot to learn about direct lenders and the role in private investing such as REIT stock corporation and the internet or direct and indirect lenders. Chapter 4 gave me insight on what securities are in real estate finance. I also connected the dots of the purpose and details on Fannie Mae and Freddie Mac agencies.

Assignment Content
Many municipalities have private water systems and fire hydrants that connect to the public water system. Private water systems normally provide water to industrial and commercial structures. Consider the interactions of private/public contractors or engineers with utilities in your city, county, or state. Do you think a private water system would adequately provide water to a fire protection system where you live? Would a public water system adequately provide water to a fire protection system where you live? Is one better than the other? What are your thoughts?
Your journal entry must be at least 300 words.With references and citations .

Assignment Content
Many municipalities have private water systems and fire hydrants that connect to the public water system. Private water systems normally provide water to industrial and commercial structures. Consider the interactions of private/public contractors or engineers with utilities in your city, county, or state. Do you think a private water system would adequately provide water to a fire protection system where you live? Would a public water system adequately provide water to a fire protection system where you live? Is one better than the other? What are your thoughts?
Your journal entry must be at least 300 words.With references and citations .

here is the link to the ted talk. ted talk. I’ve attached a photo of the instructions. please follow and DONT use any other sources. all in your own words.

Please provide an answer that is 100% original and do not copy the answer to this question from any other website since I am already well aware of this. I will be sure to check this.
Please be sure that the answer comes up with way less than 18% on Studypool’s internal plagiarism checker since anything above this is not acceptable according to Studypool’s standards. I will not accept answers that are above this standard.
No AI or Chatbot! I will be sure to check this.
You will read a current journal article based on a social studies topic of your choice and look at the research and present it in a 3-5 Full Pages Times New Roman Size 12 Font Double-Spaced APA Format Excluding the Title and Reference Pages
A.PA style
Requirements: 3-5 Full Pages Times New Roman Size 12 Font Double-Spaced APA Format Excluding the Title and Reference Pages | .doc file
Please provide an answer that is 100% original and do not copy the answer to this question from any other website since I am already well aware of this. I will be sure to check this.
Please be sure that the answer comes up with way less than 18% on Studypool’s internal plagiarism checker since anything above this is not acceptable according to Studypool’s standards. I will not accept answers that are above this standard.
No AI or Chatbot! I will be sure to check this.
Please be sure to include an introduction paragraph with a clear thesis statement in the last sentence of the introduction paragraph and a conclusion paragraph.
Please be sure to carefully follow the instructions.
No plagiarism & No Course Hero & No Chegg. The assignment will be checked for originality via the Turnitin plagiarism tool.
Please be sure to include at least one in-text citation in each body paragraph.

Explain the perspective of radical behaviorism. (Task List A-3)
B.F. Skinner wrote extensively about radical behaviorism. What is the importance of radical behaviorism as it informs your understanding of your private events such as thinking and feeling?
Write at least 1 paragraph for this question.
Explain the philosophical assumptions underlying the science of behavior analysis. (Task List A-2)
Explain philosophical assumption of the science of ABA. How do/will these assumptions influence the way you support clients?
Write at least two paragraphs for this question.
Initial posts should be of sufficient length (200+ words) with proper grammar and in APA 7th edition formatting.
Include a references section using APA 7th edition formatting.
Your post should have in-text citations that align with what’s in your reference section and these citations must follow APA 7th edition formatting rules.
If you do not cite at least 2 peer-reviewed sources, you will lose marks.
Document all your sources in the initial discussion post using APA formatting.
Your initial post should look like a research paper where you cite all your sources. For example, if you define a principle, be sure to document your source in a sentence like this:

After watching the film available here https://www.youtube.com/watch?v=LUpnFNUmfKw&t=5s 1) The film focuses heavily on a moral condemnation of capitalism. Do you agree with that approach? Many Marxists prefer what they call a scientific critique of capitalism? Which do you prefer? Which is more effective in touching the experiences of working-class people?
2) How does the film explain the development of the “middle class” in the mid-20th century? What conditions saw the improved standard of living for many working class people? 3) The film notes the Reagan era as a dividing line between the rise of the “middle class” and its current decline. What policies did Reagan usher in and why? What were the results?
4. Corporations repeatedly claim that cutting jobs will allow them to save money and stay in business. Why does this not seem to work much in the examples detailed in the film?
Remember to comment on at least one classmate for credit.
discussion board posts should be at least 150 words and comments should be at least 50.

part 1) After viewing the film:https://www.youtube.com/watch?v=zvAFPHLFMa0&t=728s
Who does our economy work for? What is the Virtuous Cycle?
Based on the film on how does inequality threaten the US economy? What does is mean to say that all economies have rules? What should the “rules” be for a healthy US economy? Remember to answer all questions fully and thoughtfully. Comment on at least one classmates post in a substantive and thoughtful way. posts should be at least 150 words and comments should be at least 50. part 2) Reaction Papers: You are expected to read all material and prepare a reaction paper of 1-2 full pages (min. 600 to 1000 words) for each reading assignment. These papers should discuss your analysis of the material and in particular how it relates to your life experience. First person, avoid summary and do not use quotes. Openstax. What is social stratification. In Introduction to Sociology 2e. OpenStax CNX. Dec 18, 2019 https://openstax.org/details/books/introduction-sociology-2e.
Section 8.1. Systems of stratification. In: Sociology: Understanding and Changing the Social World. Minneapolis: University of Minnesota Open Textbooks. https://doi.org/10.24926/8668.2401.
Section 8.2. Explaining stratification. In: Sociology: Understanding and Changing the Social World. Minneapolis: University of Minnesota Open Textbooks. https://doi.org/10.24926/8668.2401.
Section 8.3. Social class in the United States. In: Sociology: Understanding and Changing the Social World. Minneapolis: University of Minnesota Open Textbooks. https://doi.org/10.24926/8668.2401.