Martinndungu1986

client does not receive a written monthly statement from the credit card company. Which credit law could this omission violate? - Fair Credit Billing Act A client earns a salary of $45,000 at a job held for three years. The client has credit card bills, student loans, and a car loan totaling $500 per month. The client has already saved $3,500 for a down payment and is using an FHA Energy Efficient Mortgage (EEM). If the client wants to make the minimum down payment for a home priced at $150...

A fixed-rate mortgage is a loan where the interest rate stays the same for the life of the loan. - True A Home Equity Line of Credit is: - A revolving line of credit that is secured against your home. You can borrow money up to the amount that is approved and pay it back and reborrow as many times as you need during the term of the loan and use the funds for any purpose. A home inspection is ordered and paid for by the seller. - False A pre-payment penalty makes it costlier to pay off your ...

A loan for the purchase of real estate - f. mortgage A typical down payment is ______ to _______ % of the purchase price of the home - 5 to 20 Contract specifying the tenant's and landlord's legal responsibilities - d. rental agreement Explain four ways your personal financial condition can affect your housing choice. - 1. income 2. credit score 3. expenses 4. equity Fees and charges associated with the purchase of a property - h. closing cost Housing is one of the ____________________...

A mixed family, for purposes of the noncitizen rule, includes: - Some eligible members and some ineligible members A PHA is not required to provide reasonable accommodations,such as home visits, if doing so would have an impact on the PHA's workload T/F - False ADA/504/FHA definition of disability - Broader definition of disability for purposes of granting a reasonable accommodation request Administrative Plan - A HUD-required written plan that establishes local PHA policies for administ...

's definition of "disability" is much more ___________ for purposes of who is eligible as a disabled family for deductions and allowances. - HUD; narrow A _________ family is comprised of both citizen(s) or eligible non-citizens and those without citizenship or noneligible noncitizen status. They are eligible for prorated assistance. - mixed A HUD required written plan that establishes local PHA policies for administering the HCV program - Administrative Plan ADA/504/HFA definition of d...

2 bacteria associated with foodborne intoxication - staphylococcus aureus and clostridium botulinum. 2 bacteria most associated with foodborne infection - salmonella and E. coli 2 foodborne illness - 1. infection 2. contamination 2 main reasons why we cook food - 1. to make food appetizing by changing its appearance, texture, and aroma. 2. more importantly, to heat foods and destroy harmful microorganisms that may cause illness 2 stage cooling process - 1. 135-70 within 2 hours 2. 70-41...

135 Degrees - Hot food must be held at a minimum internal temperature of what? 155 Degrees for 15 seconds - What temperature must ground beef be cooked to in order to destroy dangerous pathogens? 165 degrees - What minimum internal temperature should poultry, reheated meats and stuffed meats be cooked to? 165 degrees - What must food cooked in a microwave be cooked to? 171 Degrees or hotter - At what temperature will hot water effectively kill microorganisms by itself? 4 Hours - TCS food ...

Coving" is recommended for foodservice establishments. What is it? - A curved and sealed edge between the floor and wall, intended to make cleaning easier and more effective A commercially processed TCS food item is delivered to your establishment with a use-by date that is less than 7 days from the day of delivery. What should you do? - clearly mark the package with the use-by date A cook wore single-use gloves while forming raw ground beef into patties. The cook continued to wear them w...

2 types of food borne illness - Foodborne infection and foodborne intoxication Active managerial control - refers to the practice of actively identifying and controlling food safety hazards before they occur Six Steps 1) Identify 2) Monitor 3) Corrective Action 4) Management Oversight 5) Training 6)Re-evaluation air gap - best way to prevent back siphonage a space of air or separation between a supply of potable water and any possible source of contamination -must be 2x the diameter...

A characteristic of Ciguatera toxin is that it A. Cannot be destroyed by correct cooking B. Can be tasted C. Can be smelled - A. Cannot be destroyed by correct cooking A chef put on a clean chef coat after taking a shower. The chef then takes a dog for a walk before proceeding to work. What should the chef have done to reduce potential contamination at work? A. Used hand sanitizer to clean hands B. Put on the clean chef coat at work C. Showered after playing with the dog - B. Put on a cl...