geo lab on Flood Recurrence and Hazards.

It’s a project. It requires state to run the project and answer the question accordingly. Mostly its concept based. It only requires small portion of stata code or even not at all. 5 page word document should be good. You can run the data set and answer the question on stata. By the end you just save a pdf and remember to save the log file as well.

DETAILED ASSIGNMENT

20210309190340empirical_project_w21

FIN 420 – Real Estate Finance & Investments Underwriting & Financing Residential Properties

Questions

Question 1: What is the legislative intent of federal truth-in-lending disclosures, and what specific disclosures are required under the act?

Question 2: When would the cost of credit life insurance be included in the finance charge and APR calculations for federal truth-in-lending disclosures?

Question 3: What assumption about the future composite rate of interest on an adjustable rate mortgage is made when determining the APR for federal truth-in-lending disclosures?

Question 4: List the closing cost items that require RESPA disclosure. What items may be excluded from disclosures under the act? What form can these disclosures take?

Question 5: What types of fees and conditions are prohibited under RESPA?

Question 6: For what items may a lender require escrow accounts from a borrower?

Problems

Problem 2: You are a new loan officer with Alpha Mortgage, and the manager of the loan department has just presented a problem to you. He is unable to complete the APR calculation on an adjustable rate mortgage that a borrower applied for yesterday. The loan features initial payments based on a 10 percent rate of interest, while the current composite rate on the loan is 13 percent. No discount points have been paid by any party to the transaction, and any difference between borrower payments and the interest payment required at the composite rate will be accrued in the mortgage balance in the form of negative amortization. The mortgage amount desired by the borrower is $65,000 for a 30-year term, but a one-time mortgage insurance premium of $2,400 is being funded as a part of the loan amount, making the total loan balance $67,400. The borrower is paying $1,600 in prepaid finance charges at closing.

Problem 3: Determine the APR, assuming that the ARM is made with a 2 percent annual and 5 percent over-the-life interest rate cap.

In what way does the APR disclosure aid the borrower in understanding the terms of this specific loan agreement? What are some of the problems with the APR calculations on ARMs?

Problem 4: On August 20, Mr. and Mrs. Cleaver decided to buy a property from Mr. and Mrs. Ward for $105,000. On August 30, Mr. and Mrs. Cleaver obtained a loan commitment from OKAY National Bank for an $84,000 conventional loan at 10 percent for 30 years. The lender informs Mr. and Mrs. Cleaver that a $2,100 loan origination fee will be required to obtain the loan. The loan closing is to take place September 22. In addition, escrow accounts will be required for all prorated property taxes and hazard insurance; however, no mortgage insurance is necessary. The buyer will also pay a full year’s premium for hazard insurance to Rock of Gibraltar Insurance Company. A breakdown of expected settlement costs, provided by OKAY National Bank when Mr. and Mrs. Cleaver inspect the uniform settlement statement as required under RESPA on September 21, is as follows:

FIN 420 – Real Estate Finance & Investments Underwriting & Financing Residential Properties

FIN 420 – Real Estate Finance & Investments Underwriting & Financing Residential Properties

Required:

1. What are the amounts due from the borrower and due to the seller at closing?

2. What would be the disclosed annual percentage rate as required under the Truth-in-Lending Act?

3. b.	Prepaid interest is owed from closing through September 30, which equals nine days (inclusive). Regular payments to begin on November 1.[.10×84,000)÷365]⋅91.[.10×84,000)÷365]⋅9	207.12
   c.	Property tax escrow—two months required	133.33
   d.	Loan origination fee	2,100.00
   IV.	Buyer and seller information:
   	a.	Purchase price	$105,000.00
   	b.	Deposit paid by Cleaver to Ward (paid in escrow to OKAY National Bank)	1,500.00
   	c.	Real estate tax proration (taxes for the current year to be paid in arrears by BUYER to county next January 1: $800 per year). Therefore, because the SELLER will own the property from January 1 to September 22, or 264 days. Therefore, the Buyer owes for the 101 days prior to closing and transfer of title Therefore, a credit for part of the $800-per-year real estate tax (for 264 days) is due to buyer from seller at closing.	$ 578.63

   Required:

   1. What are the amounts due from the borrower and due to the seller at closing?

   2. What would be the disclosed annual percentage rate as required under the Truth-in-Lending Act?

   3. When will the first regular monthly mortgage payment be due from the borrower?

DETAILED ASSIGNMENT

20210223060032fin_420_underwriting__26_financing_residental_properties__1_

Please explain Boyle’s Law and the concept of breathing in terms of what is happening with volume and pressure changes as you inhale and exhale (Application of Boyle’s Law to Respiration). Please be concise and clear, and make sure to use the pertinent terminology (any specific muscles, lung structures ect.) (as explained in the PowerPoint ). No outlines, diagrams, bullet points etc.

Question: For a simple group with order 168, how many elements of order 7 exist in this group.

• Question 1: How does strategic management typically evolve in a corporation? (1Mark)

• Question 2: Discuss the influence of globalization, social responsibility and environmental sustainability on strategic management of a corporation.(2 Marks)

• Question 3: In what ways can a corporation’s structure and culture be internal strengths or weaknesses? Justify your answer by examples from real market. (1Mark)

• Question 4: When does a corporation need a board of directors? Justify your answer by an example from Saudi market. (1 Mark)

You are required to complete the Xero Learn Case Study – North East Irrigation Pty Ltd as shown in Appendix A. You will be assessed on your completed Xero Learn file (which assessors will access through the instructors’ dashboard) and to some extent the documents uploaded to the Part A Assignment submission folder. Points to note with respect to this part: 1. If you complete this Xero Case Study through any other account except your University Xero Learn account, your assignment will not be marked and you will receive 0 marks. 2. You are required to complete this case study using the Xero Learn Template that has been emailed to your University email account through Xero Learn (BFA221 Assignment Template 2020). You will be assessed using this Xero Learn file (as well as the uploaded documents to MyLO). 3. There are ten separate documents that are required to be uploaded to your Part A Assignment submission folder by the due date and in the following order: • An unaltered Excel Spreadsheet version of the trial balance (not new) at 31 July 2020 (Excel Document) • Income Statement for the month ending 31 July 2020 PDF document • Balance sheet as at 31 July 2020 (PDF document) • An aged accounts receivable summary at 31 July 2020 (PDF document) • An aged accounts payable summary at 31 July 2020 (PDF document) • An inventory item summary from 1 July 2020 to 31 July 2020 (PDF document) • A payroll employee summary for the month of July 2020 (PDF document) • A fixed asset reconciliation for the month ended 31 July 2020 (PDF document) • A business activity statement summary assuming the September 2020 quarter (PDF document) • A bank reconciliation summary for the business bank account at 31 July 2020 (PDF document

a. Identify the control and the type of control.
b. Explain what the control aims to prevent, detect or correct.

c. Explain the operation of the control (i.e. how the control works).
d. Evaluate the effectiveness of the control (i.e. whether, in your opinion, the control achieves its aims
and why).

DETAILED ASSIGNMENT

20200930094543bfa221_overall_assignment_brief2020_2_

This short video from the U.S. Public Broadcasting System (PBS) discusses the recent development of organic agriculture in Cuba. (I’ll send the link)

Why did Cuba make this conversion to organic agriculture? What are some of the ways that the Cuban system described in this video differs from the industrial agriculture system in the United States and other western countries? Do you think that the Cuban model could be transferable to the United States? Why or why not?