Sandra is purchasing a house for $210,000, with a 15-year fixed-rate
mortgage at 4.5% interest. She has made a 5% down payment. The house is
valued at $198,000, and the local property tax rate is 4.5%. Her homeowners
insurance is $600 per year. What are her total monthly payments? (Use the
table below to calculate PMI premiums.)
Base-To-Loan
Fixed-Rate Loan
30 yrs. 15 yrs
ARM 2% + 1 Year Cap
30 yrs. 15 yrs.
05.01% to 97%
0.00%
0.70%
na
na
90.01% to 95%
0.78%
0.26%
0.92%
0.81%
85.01% to 90%
0.52%
0.23%
0.65%
0.54%
85% and Under
0.32%
0.19%
0.37%
0.26%
O
A. $2420.09
O
B. $2630.20
O
C. $2137.20
O
D.2361.89

According to the federal regulations, which of the following studies meets the definition of research with human subjects? a. a researcher uses the customs office’s passenger lists for ships bringing immigrants to the us between 1820-1845 to track the numbers of immigrants from certain ethnic groups.b. a researcher conducts a linguistic study of comments posted on a local public blog.c. a developmental psychologist videotapes interactions between groups of toddlers and their care givers to determine which intervention methods most effectively manage aggression.d. a researcher asks the director of a local free clinic about the number of patients in the last two years with newly diagnosed hiv/aids.