What is true about Fannie Mae and Ginnie Mae pass through mo…

What is true about Fannie Mae and Ginnie Mae pass through mortgage backed securities: A. Investors have prepayment risk which means many homeowners refinance when interest rates drop leaving MBS owners to reinvest  loan repayment proceeds at lower yields, B. The special purpose vehicle holds the mortgages pays the monthly mortgage payments made by borrowers to the MBS owners, minus any homeowner defaults. C. Mortgage originators typically sell mortgages they originate to investment banks who package them into MBS.

10. One recommendation for improving group decision-making i…

10. One recommendation for improving group decision-making is to have group members submit their private opinions before the meeting in which they will have to decide. Identify three biases in group decision-making that this intervention addresses. Explain how this intervention addresses each bias.

4. The readings for class 3 explored the effect of expectati…

4. The readings for class 3 explored the effect of expectations on employees’ performance, as well as the effect of expectations on evaluations of employees’ performance. What is the psychological phenomenon by which positive expectations can improve actual performance in the workplace? What is the psychological phenomenon by which negative expectations can harm actual performance in the workplace? What is the psychological phenomenon by which expectations can influence evaluation of performance (either positively or negatively) without influencing actual performance?

12. Recently, Tara has been following a new diet plan that c…

12. Recently, Tara has been following a new diet plan that claims to help her lose weight quickly. She strongly believes this diet is effective. When she encounters a testimonial on a social media platform from a user who claims to have lost 20 pounds on the same diet, she immediately feels more confident in the diet’s effectiveness, significantly boosting her belief in the diet plan. Yet, when she reads a scientific study stating that the diet plan has a high dropout rate and only shows short-term results for a small percentage of people, she dismisses the study, thinking it doesn’t apply to her. Her belief in the diet’s long-term effectiveness barely changes. What is a single psychological principle of persuasion that could be at play here (i.e., why Tara was so readily persuaded by the social media post but unpersuaded by the scientific study)?