What is the digital divide and what suggestions would you make to…

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Question Answered step-by-step What is the digital divide and what suggestions would you make to… What is the digital divide and what suggestions would you make to change the divide Social Science Sociology SYG 4119 Share QuestionEmailCopy link Comments (0)

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Description Match each item to its best definition based on what you have learned about net worth. Group of answer choices Everything a person owns that has a cash value Net Worth = A person's total debt The dollar value of a person's home is... A mortgage is... If total assets are $24,148.33 and total liabilities are $66,000.4, calculate net worth. (Do not include the $ sign or commas in your answer). Flag this QuestionQuestion 30.5 pts If total assets are $71,892.27 and total liabilities are $60,008.57, calculate net worth. (Do not include the $ sign or commas in your answer). Flag this QuestionQuestion 40.5 pts Matthew currently has $2,000 in his checking account and $10,000 in a savings account. He owns a home worth $120,000 and he owes $75,900 on his mortgage. His investments in a 401(k) are valued at $12,789. He owes $29,526 on his student loans and just bought a new car. The car is currently valued at $19,965. His auto loan balance is $19,156. He is carrying a balance on two credit cards that adds up to $5,234. What is the value of Matthew's total assets? (Do not include the $ sign or commas in your answer). Flag this QuestionQuestion 50.5 pts Matthew currently has $2,000 in his checking account and $10,000 in a savings account. He owns a home worth $120,000 and he owes $75,900 on his mortgage. His investments in a 401(k) are valued at $12,789. He owes $29,526 on his student loans and just bought a new car. The car is currently valued at $19,965. His auto loan balance is $19,156. He is carrying a balance on two credit cards that adds up to $5,234. What is the value of Matthew's total liabilities? (Do not include the $ sign or commas in your answer). Flag this QuestionQuestion 61 pts Matthew currently has $2,000 in his checking account and $10,000 in a savings account. He owns a home worth $120,000 and he owes $75,900 on his mortgage. His investments in a 401(k) are valued at $12,789. He owes $29,526 on his student loans and just bought a new car. The car is currently valued at $19,965. His auto loan balance is $19,156. He is carrying a balance on two credit cards that adds up to $5,234. What is Matthew's net worth? (Do not include the $ sign or commas in your answer). Flag this QuestionQuestion 71 pts Sophia just graduated from college. She just sold the furniture from her college apartment for $450 in cash. She just deposited $2,700 in graduation money into her checking account and has $7,500 saved in her savings account from working part-time. She charged gas and groceries to her credit card that she hasn't paid off yet. The total balance on her credit card is $179. Sophia has driven the same car since high school that is valued at $3,254. She doesn't have an auto loan. Her total student loan amount after graduating is $54,178. What is Sophia's net worth? (Do not include the $ sign or commas in your answer). ANSWER THESE QUESTIONS TO Demonstrate Your Understanding of the Debt-to-Income Ratio using the following case study information. Lyra applying for a mortgage to purchase a house. She needs to calculate her debt-to-income ratio to get a better idea of whether or not a mortgage lender will consider her as a mortgage applicant. Lyra has a gross monthly income of $5,500 and she has $1,650 withheld from her monthly paychecks to pay for taxes and retirement contributions. Lyra currently pays $400 an month on her student loans, $275 a month on an auto loan payment, and $81 a month on medical debt to pay for a surgery that she needed. Lyra expects that her monthly mortgage payment on her dream home will be $1,497. Answer the following four questions about Lyra's debt-to-income situation. Use the examples and formulas from the Word document you downloaded from the Section 6.3 page to help you. Flag this QuestionQuestion 10.5 pts What amount equals Lyra's monthly debt that serves as the numerator in her debt-to-income ratio excluding her future mortgage payment? Flag this QuestionQuestion 20.75 pts Calculate Lyra's debt-to-income ratio without her future mortgage payment. List the answer you receive from your calculator as a decimal rounded to the hundredths place. Do not convert to a percentage. Flag this QuestionQuestion 30.75 pts What is Lyra's debt-to-income ratio with her future mortgage payment included? List as a decimal rounded to the hundredths place. List the answer you receive from your calculator as a decimal rounded to the hundredths place. Do not convert to a percentage. Flag this QuestionQuestion 40.5 pts If a mortgage lender were evaluating Lyra's debt-to-income ratio as part of their mortgage approval process, would Lyra's debt to income ratio be considered low and acceptable, moderate and acceptable, high but possibly acceptable, or high and not acceptable? Group of answer choices Low and acceptable Moderate and acceptable High but possibly acceptable High and not acceptable Flag this QuestionANSWER THESE QUESTIONS TO Demonstrate Your Understanding of the 20-10 Rule. Read each of the following scenarios and determine if the purchase can be made and how the decision will affect the credit load. Use the examples and formulas from the Word document you downloaded from the Section 4.3 page to help you. Flag this QuestionQuestion 50.5 pts Nancy and Thomas have a combined monthly net income of $1,200. What is the most they can afford to pay for credit card debt? Group of answer choices 120 12 24 240 Flag this QuestionQuestion 60.5 pts Jessie has a monthly net income of $800. His fixed monthly expenses consist of $150 for rent. He currently pays $80 each month for a credit card bill, and now he wants to buy a car. Does Jessie have enough left in his budget for a car payment to stay within his safe debt load? Group of answer choices Yes No Flag this QuestionQuestion 70.5 pts Carla has a monthly net income of $450. She wants to buy a new bike and pay for it using a credit card. What is the largest monthly payment she can commit to making? Group of answer choices $4.50 $14.50 $45.00 $90.00 Flag this QuestionQuestion 80.5 pts Jorge has a monthly net income of $640. His fixed monthly expense consists of a rent payment of $120. Right now, how much can he afford to borrow to stay within his safe debt load? Group of answer choices Approx. $500 Approx. $750 Approx. $1,500 Over $2,000 Flag this QuestionQuestion 90.5 pts Following from the last question. Jorge also has a car payment of $125 per month. Jorge buys new tires on his credit card, increasing his monthly credit card payment by $40. With his car payment and the new tires, is he still within a safe debt load? Group of answer choices Yes, because his monthly payments are below $1,500 Yes, because his monthly payments are below 20% of his net annual pay No, because his monthly payments are above $64 No answer text provided. No, because his monthly payments are above 20% of his net monthly pay Tags: Credit card debt total liabilities Mortgage payment retirement contributions income ratio User generated content is uploaded by users for the purposes of learning and should be used following Studypool's honor code & terms of service.
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