The following question is worth 4 points.   Suppose a homeowner has an existing fixed-rate mortgage loan with these terms: remaining balance of $50,000, interest rate of 8%, and remaining term of 10 years (monthly payments). The payment on the existing loan is $606.64. This loan can be replaced by a new $50,000 monthly payment loan with an interest rate of 6 percent and a loan term of 10 years. The payment on the new loan would be $555.10. The total up-front cost of the refinancing would be 8% of the outstanding loan amount. Assume the homeowner expects to stay in the home an additional five years from today whether she refinances now or not. Using what is referred to in the book and class notes as “net benefit analysis,” what is the net benefit of refinancing today (rounding to the nearest dollar)?

Given the following information, what is the required equity down payment? Acquisition price: $800,000 Loan-to-value ratio: 75% Total up-front financing cost (including expenses paid to 3rd party service providers): 3% of loan amount

Which statement indicates the graduate student understands blood flow?  Oxygenated blood flows through the:

A 37 year old presents with morbid obesity and is being evaluated for colon cancer. The nurse knows there are physiologic changes in obese patients that predispose them to cancer. Which of the following is NOT a physiologic change seen in obese patients?

What is the expected electrocardiogram (ECG) pattern when a thrombus in a coronary artery permanently lodges in the vessel and the infarction extends through the myocardium from the endocardium to the epicardium?

Which principle should the NP remember while planning care for a patient with respiratory problems?  Diffusion of respiratory gases takes place at the:

A 35-year-old female is hospitalized and diagnosed with acute tubular necrosis (ATN).  The NP knows that this is classified as a(n) ____________cause of renal failure?

The primary difficulty in applying the cost approach to determine market value is:

A patient wants to know what causes atherosclerosis.  How should the practitioner respond?  In general, atherosclerosis is caused by:

A 30-year-old female received a severe head injury in a motor vehicle accident. She is now experiencing respiratory abnormalities characterized by alternating periods of deep and shallow breathing with periods of apnea. What term should the NP use when charting this condition?