Debts payments-to income ratio without college loan = 35%
Debts payments-to income ratio with college loan = 50%
What is Debt-to-income ratio?
Lenders use the debt-to-income (DTI) ratio, which measures what proportion of your gross monthly income is utilised to pay your debts each month, to assess your risk of borrowing. The debt-to-income (DTI) ratio calculates how much money a person or business needs to make in order to pay off their debts.
The maximum DTI that a borrower can have and still get approved for a mortgage is typically 43%, however lenders prefer ratios of no more than 36%.
A borrower is more desirable if they have a low DTI ratio, which suggests that their income is sufficient to cover their debt obligations.
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the primary responsibility of the president and the executive branch is the [blank] of laws. qizlet
The primary responsibility of the president and the executive branch is to enforce the laws.
The primary responsibility of the executive branch is enforcing the law. This power is vested in the president as he is both the leader of the people and the commander-in-chief of the armed forces.
Can local law enforcement officers enforce the laws pertaining to alcoholic beverages?Yes, Law enforcement agencies enforce laws concerning their manufacture, essence, sale, possession and use. Alcohol-related laws are implemented by State and local law enforcement agencies.
The mission of the Department of Alcoholic Beverage Control is to supply the highest level of assistance and public safety to the people of the State through permitting, education, and enforcement. Robbery and violent crimes often affect alcohol use, and there is a positive correlation between such offenses and alcohol use. 15% of robberies, 63% of personal partner brutality incidents, 37% of sexual attacks, 45-46% of physical assaults and 40-45% of killings in the United States involved use of alcohol.
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I am a reptile that has been living on Earth for millions of years; therefore, I can be
described as a 'living fossil'. The shape of my snout makes me different than one of my
relatives. I only live in fresh water in two regions of the world.
Continent
Answer: I think the answer is Tuatara
Explanation:
Please I need help, I need the description of French and Indian war
Answer:
The French and Indian War (1754-1763) established Britain as the European authority in North America, catalyzed the beginnings of an American identity, and set the stage for the American Revolution of 1776. With a British victory, Britain not only solidified its land claims in North America but also thoroughly defeated its European enemies, which left Britain as the world’s ruling super power. Unfortunately, the large expense of the war required Britain to raise taxes across the empire and end the salutary neglect of the last century. As Britain began implementing and enforcing new taxes, the colonists in America−fresh off being bonded by fighting a war−realized that only together could they fight against Britain’s attempts at governance and control over the colonies.
Explanation:
yeah it's really complicated
who was the new world named after
Answer:
explorer Amerigo Vespucci
He was a Merchant, explorer, cartographer
Answer:
Explorer Amerigo Vespucci
Explanation:
The Florentine explorer Amerigo Vespucci is usually designated for coming up with the denomination "New World" (Mundus Novus) for the Americas in his 1503 letter, giving it its notorious cachet, although familiar intervals had nonetheless been used and applied before him.
which example demonstrates how one’s social environment can affect behavior? a history class plans a field trip to a museum. a history class plans a field trip to a museum. a crowd cheers as the local soccer team scores a goal. a crowd cheers as the local soccer team scores a goal. a governmental panel suggests raising the speed limit. a governmental panel suggests raising the speed limit. a young child learns to raise his hand in class. a young child learns to raise his hand in class.
The example that demonstrates how one’s social environment can affect behavior is a young child learns to raise his hand in class.
The social environment plays a very important role in shaping an individuals behavior, "people are influenced by the physical surrounding of a social environment which includes housing, facilities for education, health care, employment, and open space for recreation as they spend the majority of their time and start to interact."
People learn from their environment by imitating the social behavior of the people around, and what they see in their day to day environment influences their social behavior.
Thus, the correct option here is A young child learns to raise his hand in class.
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are considered the founders of behaviorism. group of answer choices watson and skinner freud and jung maslow and rogers pavlov and skinner
John B. Watson are considered the founders of behaviorism.
Watson is famous for having based classical behaviourism, an approach to psychology that treated behaviour (both animal and human) as the conditioned reaction of an organism to environmental stimuli and inner organic strategies and that defied as unscientific all meant psychological phenomena. Watson's behaviorist theory focused not on the internal emotional and psychological situations of people, but instead on their external and outward behaviors. He believed that a person's bodily responses provided the only insight into inner actions. John Broadus Watson was an American psychologist who popularized the scientific idea of behaviorism, establishing it as a psychological college. Watson advanced this change in the psychological area through his 1913 address at Columbia university, titled Psychology as the Behaviorist perspectives It.
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the main theme of karen warren ecofeminist philosophy is that unless an environmental ethic no matter how holistic includes a serious account of it will end up ultimately
The main theme of Karen Warren's 'Ecofeminist Philosophy' is that unless an environmental ethics no matter how holistic includes a serious account of it will end up ultimately.
As her book depicts, a key essence of ecological feminism is captured by the phrase “it's all connected.” In other words, "ecofeminism focuses on the depth to which human realities are engraved in ecological realities, and the fact that we are all composed of physical ".
"Ecofeminism uses the basic feminist conditions of equality between genders, a non-patriarchal structures, and a view of the world that respects organic procedures, real connections, and the merits of intuition and collaboration. There are several sub types of this like vegetarian ecofeminism, spiritual ecofeminism, and materialist ecofeminism."
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in a study in industrial/organizational psychology, a sample of office workers use a smartphone app to report their thoughts, feelings, and behaviors with respect to their jobs and coworkers as they go about their workweek. based on this information, the study is most likely as example of: please choose the correct answer from the following choices, and then select the submit answer button. answer choices naturalistic observation. an experiment. a survey. a case study.
As the sample of office workers use a smartphone app to report their thoughts, feelings, and behaviors with respect to their jobs and coworkers as they go about their workweek, the study conducted on this is most likely as example of naturalistic observation.
What is a naturalistic observation?It refers to the method that involves observing subjects in their natural environment. The goal of this observation is to look at behavior in a natural setting without intervention.
Most time, this observation is when an observer collects data or a set of data without confounding with the current behavior.
Therefore, the Option A is correct.
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the tyranny of numbers means that when dealing with small numbers--especially when comparing them to another group with larger numbers--an increase or decrease in the smaller group is going to cause a greater change than an increase or decrease in the larger group.
According to the tyranny of small numbers, a change in the smaller group will have a bigger impact on the situation than a change in the larger group when dealing with tiny numbers, especially when comparing them to another group with larger numbers.
The term "tyranny of numbers" has what meaning?Computer engineers confronted the tyranny of numbers issue in the 1960s. Due to the enormous amount of components used, engineers were unable to improve the performance of their designs.
Why do you think that prejudice might occur from the tyranny of the majority?When the majority of an electorate exclusively pursues its own goals at the expense of those of the minority factions, this is known as the tyranny of the majority (or tyranny of the people), and it is a vulnerability inherent to majority rule.
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writing, mathematics, and metacognition: looking for connections through students' work in mathematical problem solving
Writing, mathematics, and metacognition: looking for connections through students' work in mathematical problem-solving is the true statement.
What role does metacognition play in mathematics learning?During the process of solving arithmetic problems, students can identify their progress, compare the provided solution to the problem statement, and avoid or fix mistakes by using their metacognitive skills of monitoring and evaluation.
Metacognition skills are essential for solving mathematical difficulties. The ability to examine and govern our own thoughts, including how we approach problems.
Thus, it is a true statement.
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combating multi-racial discrimination requires individual and organizational commitment and not simply dependance on laws.
It is true that combating multi-racial discrimination requires individual and organizational commitment and not simply dependance on laws.
What do you mean by discrimination?Making distinctions between individuals based on the groups, classes, or other categories to which they formally or implicitly belong is known as discrimination. People may be treated unfairly on account of their colour, gender, age, religion, sexual orientation, or any other category. When people or groups are unfairly treated worse than other people on the basis of their real or perceived membership in particular groups or social categories, this is particularly known as discrimination. It entails denying members of one group access to advantages or opportunities that belong to another group.
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bust of buddha the purpose of the bump or knot at the top of the buddha's head is to signify . the significance of the elongated earlobes on the buddha is that
The purpose of the bump or knot at the top of the buddha's head is to signify expanded wisdom. The significance of the elongated earlobes on the buddha is that he rejected wealth.
The bump or knot at the top of the buddha's head is also called ushnisha. "The original function of the ushnisha was probably intended to symbolize a crown on the top of the head of the Buddha."
The elongated earlobes are a reminder that he was once dragged down by wealth, but his earlobes are empty, because he renounced that wealth.
Hence the answer is expanded wisdom and rejected wealth.
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the ten commandments can be divided into two categories: responsibilities to god and responsibilities to
The ten commandments can be divided into two categories: responsibilities to God and responsibilities to the neighbor.
In John's Gospel, Jesus is asked about the most important commandments. He replies by summarizing the ten of them in two:
1. Love God above anything: this includes the first four commandments, of loving and worshipping only God, sanctifying the feasts, and not using his name in vain.
2. Love the neighbor as one loves himself: the remaining 6 commandments are related to responsibilities and good actions towards the neighbor, which proceed from love: respecting and caring for one's parents, not lying, not stilling, not killing, and not committing adultery.
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is used to protect oneself from material that is painful, frightening, or otherwise unpleasant.
Motivated Forgetting is used to protect oneself from material that is painful, frightening, or otherwise unpleasant.
Why is forgetting motivated?Repressing memories is a term used to describe intentional forgetting asserted that there are instances when an incident or action is so upsetting that we are unable to handle the recollection of it, leading us to fully repress the memory.
Why is forgetting when motivated important?The process of purposefully or unintentionally discarding memories is known as motivated forgetting. Although these two procedures operate somewhat differently, they both aim to achieve the same result. When we deliberately forget memories, it's usually to calm ourselves down or stop us from acting impulsively.
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dr. graham listens to maria’s statements and then restates what he feels is maria’s message while also describing her emotions. what type of therapy is dr. graham practicing?
Person centered is the way he feels is maria’s message while also describing her emotions and the type of therapy is Dr. graham practising.
What is Person centered?In the 1940s, Carl Rogers developed person-centered therapy. The traditional view of the therapist as an authority on this type of therapy has been replaced by a nondirective.
Empathic approach that empowers and motivates the client in the therapeutic process. Having the freedom to select their own meals when it's time to eat.
Thus, it is Person centered.
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Pls help with my homework
sociologists james coleman and tomas hoffer foun that the reasons catholic students scored higher on tests
sociologists James Coleman and Tomas Hoffer found that the reasons catholic students scored higher on tests were symbolic interactionism.
Interactionism is a micro-sociological attitude that argues that means to be produced through the interactions of people. Social interplay is a face-to-face manner together with moves, reactions, and mutual version between or extra individuals, with the intention of communicating with others.
Interactionism Your expertise of a phrase or occasion changes primarily based on it. for instance, when you have an awesome relationship with your spouse, the word wife will be high-quality. but, in case you're courting together with your wife is rocky, the means behind the phrase and what a spouse symbolizes are modifications.
Symbolic interaction idea analyzes society via addressing the subjective meanings that human beings impose on gadgets, occasions, and behaviors. Subjective meanings are given primacy due to the fact it is believed that people behave primarily based on what they accept as true and now not just on what's objectively genuine.
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is there life after death? can some people demonstrate esp? an important difference between these two questions is that the first is probably beyond science, whereas the second can be tested by using:
It can be tested through an empirical approach, based upon what the people think about it, as the afterlife is beyond the science.
"Empirical approach is research that is based on observation as directly experienced by the researcher. The data thus gathered may be compared against a theory, data or hypothesis, but the results are still based on real life experience.
"This approach of research is more reliable because it presents real-life experiences and not just theories and principles. Data collected through empirical research may be less biased because the researcher is there during the collection process. On the contrary, it is sometimes impossible to verify the accuracy of data in non-empirical research.
It is a way of gaining data by means of direct and indirect observation or experience. Empiricism values some research more than other kinds. Empirical data can be observed quantitatively or qualitatively."
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in deuteronomy, god instructed moses to retell the to the israelites, in order to prepare them to enter into the promised land.
In Deuteronomy, God instructed Moses to retell the Law to the Israelites, in order to prepare them to enter the promised land.
Deuteronomy is the fifth and final book of the Torah, called Devarim, and the fifth book of the Christian Old Testament. Chapters 1 to 30 of this book consist of the three sermons or sermons that Moses gave to the Israelites on the plains of Moab just before they entered the Promised Land.
Deuteronomy emphasizes the oneness of God, the need for dramatic centralization of worship, and the concern for the position of the poor and disadvantaged. Its many themes can be centered around his three poles of Israel, Yahweh, and the covenant that binds them together. Deuteronomy presents basic truths about God's love. In telling the history of Israel, Moses cites important truths about his relationship with Israel.
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Puritan, or
Congregational, Churches were supported by governments in the
Colonies.
The Puritans in Massachusetts Bay believed in a separation of church and kingdom, but not a separation of the country from God. The Congregational Church had no for- male authority inside the government. Ministers were now not approved to keep any authorities' office.
Puritan colonies have been self-governed, with each town having its very own government which led the people in strict accordance with Puritan ideals. simplest the contributors of the congregation who had executed grace and were full church members (known as the "select," or "saints") could vote and hold public office. other colonies had different styles of government and were more open to extraordinary ideals.
The Puritans who mounted the Massachusetts Bay Colony and the Separatists of Plymouth Colony have been the primary of many agencies referred to as Congregationalists.
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what if the united states supreme court had not issued the prior opinion and california courts also had not decided that those clauses contravene a strong public policy?
In California, this scenario would be a matter of first impression. Therefore, the correct answer to the given California courts is "first impression."
What is the case of the first impression?A case of first impression involves a legal matter that the relevant jurisdiction has never addressed. Cases of first impression frequently involve recently enacted laws or where the subject has already been addressed by other jurisdictions but not in the one where the case is being heard.
Courts may use analogies to related or comparable problems or seek direction from other jurisdictions. A case that involves a topic that has never been discussed or ruled by a higher court is known as a case of first impressions.
In a case of first impression, there is no controlling precedent on the precise question being litigated since it has not been previously handled by the court or falls under its purview.
When a case raises an entirely new legal question for the court to decide, it is said to be one of the first impressions.
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tobias, who conducts a psychological research experiment, explains the details of the experiment to the participants after the experiment is completed. he also encourages the participants to express their opinions and share their feelings about the experiment with him. this scenario exemplifies the concept of:
This scenario exemplifies the concept of debriefing. As tobias, who conducts a psychological research experiment.
What is meant by debriefing?Debriefing sessions are gatherings that take place to collect information about a specific work that has been finished, such as what was completed successfully and what was not.
Debriefing is a rigorous learning process designed to aid in the continuous improvement of plans as they are implemented. It first developed in the military as a way to fast learn in scenarios that were changing rapidly while simultaneously fixing errors or modifications on the field.
Thus, it is debriefing.
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Which statement best describes the Aryan migration?
Answer: The Aryans migrated from western Asia to different parts of Europe and India.
Migration
Migration is defined as the movement of individuals across a specific distance (or, at the very least, from one "migration-defining area" to another) and from one "usual place of residence" to another.
The Indo-Aryan migrations were the migrations of Indo-Aryan peoples into the Indian subcontinent, an ethnolinguistic group that spoke Indo-Aryan languages, which are now the major languages of North India, Pakistan, Nepal, Bangladesh, Sri Lanka, and the Maldives.
The Aryans migrated from western Asia to different parts of Europe and India.
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Explanation:
Answer:
The Aryans migrated from western Asia to different parts of Europe and India.
Explanation:
at the tactical level of command, who is the commander's principle advisor on all spectrum related matters
At the tactical level of the hierarchy, the spectrum manager is indeed the commander's principal advisor on any and all spectrum-related relate matters.
The correct option is C.
What does a spectrum manager do?Spectrum management is an art and science of controlling how the radio spectrum is used in order to reduce interference, make sure the radio spectrum is used as effectively as possible, and ensure the public benefits.
Is there really a need for spectrum sharing?Spectrum management is a crucial tool for governments to optimize the utilization of finite public resources. With spectrum supply continually growing, competition for specific frequency bands will be even greater, and efficient use of spectrum more critical.
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I understand that the question you are looking for is:
At the tactical level of command, who is the commander's principal advisor on all spectrum related matters?
A) The commander's RTO
B) The Brigade Signal Officer
C) The spectrum manager
D) The net control station
If mackenzie wanted to open a business that specialize in giving tourist an opportunity to deepsea fish, which region would be the best to locate their business?
If Mackenzie wanted to open a business that specialize in giving tourist an opportunity to Deepsea fish, seaside would be best to locate their business.
What is Deepsea fish?Remote ocean fish will be fish that live in the murkiness underneath the sunlit surface waters, that is underneath the epipelagic or photic zone of the ocean. The lanternfish is, by a long shot, the most well-known remote ocean fish. Remote ocean fishing happens at a profundity of no less than 100 feet (30m), permitting anglers to get huge game fish that can't generally be trapped in shallower waters, like swordfish, sharks, dolphin, fish, and marlin. Numerous traveler and get-away regions offer remote ocean fishing contracts, which are the most ideal choice for novices.
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involves reconciling underlying differences so that issues are resolved to the mutual benefit of all parties.
Collaboration involves reconciling underlying differences so that issues are resolved to the mutual benefit of all parties.
Collaboration is a working strategy where people get together for a common goal to advance a business. Collaboration enables people to cooperate in order to accomplish a clear and shared corporate goal.
We can work together for a very long time, for a very short time, formally or ad hoc. Teams and formal, structured cooperation were frequently the focus of earlier types of collaboration. We now have more choices.
Instead of working alone, employees are more productive and feel more connected to the organization when they collaborate.
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Which of these would be an example of an internal conflict?
Internal Conflict, the main character needs to decide if she will tell her family her secret. With internal conflicts, you might feel a clash between competing desires. Option D
It's the opposite internal conflict is external conflict and, it occurs when a character feels outside oppositional forces a character may struggle with a fear of heights, a desire for power, or a need to live up to someone's expectations.
Three types of Internal conflict includes individual internal conflict, conflict when working with others, and internal conflict within groups. It could be affected by political situations, social norms etc
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test-enhanced learning in a middle school science classroom: the effects of quiz frequency and placement summar
It will boost retention capacity among the students and this is better method than other ones because of quizzes students try to recall the main points of the answer. This is also helpful for teachers because of this teachers will get more results in less efforts.
What is testing effect?In many educational environments, tests have been utilized extensively to evaluate student learning. The "testing effect" is a word used to describe the recent findings of a growing corpus of studies that demonstrate that retrieval practice—the act of recalling information that has already been studied—is better for long-term retention than repeated study of that material.
What are the benefits of testing effect?The test's finding: Retrieval Promotes Later Retention.Testing Highlights Knowledge GapsStudents who test learn more from the following study episode.Testing results in better knowledge organization.Testing Helps Knowledge Transmit to New Environments.To know more about testing effect visit:
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I'm asking in general, just your opinion!
If you could instantly get a PhD in any topic, what topic would you choose?
Answer: If I could get a PhD instantly, I'd choose the use of robots in surgery, or public health. Maybe even something space-related like string theory.
Answer:Accounting & finance
Explanation:
An accounting and finance degree will give you a number of transferable skills that will help enhance your CV and make you a desirable employee to a range of employers.
imagine that you will participate in a panel discussion on nature vs nurture. create notes to use that explain how heredity and the environment can work together to shape a child.
A child's development is greatly influenced by genetic factors. But it's vital to keep in mind that genetics is only one component of the complex picture that is a child's existence. Parenting, culture, education, and interpersonal relationships are just a few examples of the environmental factors that are crucial.
What does the development of a child depend more on?
Professionals in the field of child development have long engaged in a nature vs. nurture argument. Nature refers to a person's genetic makeup or biological make-up, whereas nurture refers to the external environment that shapes nature.
Some theorists emphasize "stability," while others place more emphasis on "plasticity." This argument, however, is no longer relevant. Life events have been shown to have an impact on gene expression, according to behavioral epigenetic studies. In other words, parenting affects children's qualities in a bidirectional and interactive way, and nature is susceptible to nurture.
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