Scenario b: vines, a small, popular chain of italian restaurants, wishes to hire a new general manager to oversee a local restaurant's day-to-day operations. the company human resources manager posts an advertisement in the local newspaper stating, "general manager wanted for a fast-paced restaurant serving award-winning northern italian cuisine. applicants must have three years' experience in a comparable italian restaurant managing a restaurant staff and ensuring the satisfaction of diners." in addition to making inquiries through industry contacts, the hr manager places the ad on the company's bulletin board and intranet. the hr manager then develops a pool of prospective candidates for the position and chooses from the pool of candidates when making decisions on whom to hire. the part of the ad in the local newspaper that stated that the company requires a general manger with three year's experience managing the restaurant staff in a successful italian restaurant is an example of a job

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of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.