Other Costs of Buying a Home Answers

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All of the following are considered methodologies of art, except which?

formalism

Feminism

imagery

Marxism

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When buying a home, the lender may hold money in an escrow account to pay _____.

attorney’s fees

origination fees

property taxes

title insurance

What type of context clue offers information about the function, features, or appearance of an unfamiliar word?

definition

explanation

antonym

synonym

Read the excerpt from "Digging."The coarse boot nestled on the lug, the shaft Against the inside knee was levered firmly.He rooted out tall tops, buried the bright edge deepTo scatter new potatoes that we picked,Loving their cool hardness in our hands.Read the haiku by Bashō. Early fall—the sea and the rice fields all one green.Which sentence best explains the similarities between the excerpt from "Digging” and the haiku?

Both are concerned with the topic of writing.

Both are concerned with the topic of seasons.

Both are concerned with the topic of farming.

Both are concerned with the topic of working.

Perspective influences how a person looks at a piece of art and its qualities.

always true

sometimes true

always false

Perspective is not relevant in the interpretation of art.

In which of the following cases would you most likely buy a point when closing on a home loan?

The monthly payment is reduced by $8 and you plan to sell the home at the end of 3 years.

The monthly payment is reduced by $10 and you plan to sell the home at the end of 4 years.

The monthly payment is reduced by $12 and you plan to sell the home at the end of 5 years.

The monthly payment is reduced by $14 and you plan to sell the home at the end of 7 years.

A lender estimates the closing costs on a home loan of $50,000 as listed below. Closing Cost Charge Loan origination $200 Title insurance $530 Attorney’s fees $600 Appraisal $265 Inspection $575 Recording fees $130 Escrow $800 If the lender's good faith estimates are accurate, are they a reasonable amount for closing costs? Why or why not?

Yes, because the lender estimated 3.08% of the home loan in closing costs which falls between 3 - 5%.

Yes, because the lender estimated 4.6% of the home loan in closing costs which does not fall between 3 - 5%.

No, because the lender estimated 6.2% of the home loan in closing costs which does not fall between 3 - 5%.

No, because the lender estimated 17.7% of the home loan in closing costs which does fall between 3 - 5%.

What factors affect an author’s viewpoint? Select 4 options.the author’s knowledgethe author’s publisherthe author’s opinionthe author’s worldviewthe author’s experiencethe author’s illustrations

the author’s knowledge

the author’s publisher

the author’s opinion

the author’s worldview

the author’s experience

the author’s illustrations

Which of these words has a negative connotation?

respect

delight

jealousy

sympathy

Which of the following statements is not true about the painting above?

The image is a self-portrait of the artist, beside his wife.

The title of this artwork is, American Gothic.

It is an example of Marxism in art, as it displays the influence of society and culture in art.

The artist’s gender is proven by the way he painted the male as dominant and the women as submissive.

Without buying points, a monthly mortgage payment will be $958. Buying 1 point at closing would reduce the payment to $948.75. If each point costs $1000.00, rounded to the nearest year, how long would it take to break even by buying 1 point?

7 years

8 years

9 years

10 years

Read the excerpt from A History of the World in 100 Objects. Power is usually not willingly given, but forcefully taken; and in both Europe and America the nineteenth century was punctuated by political protest, with periodic revolutions on the continent, the Civil War in America and, in Britain, a steady struggle to widen the suffrage.

The reader could analyze the text features in the excerpt.

The reader could visualize the description given.

The reader could set his or her own pace and reread parts for clarity.

The reader could hear the sounds of the political protest.

Read the excerpt from "Digging."The cold smell of potato mould, the squelch and slapOf soggy peat, the curt cuts of an edgeThrough living roots awaken in my head.But I’ve no spade to follow men like them.

leisure time

city life

writing poems

hard work

Which of the following is not true about the photograph above?

The picture is of a migrant mother and her children.

The purpose of the photograph was to show and preserve the true mood and circumstances of the Great Depression.

The photograph, along with others like it, were taken by Dorothea Lange.

This photograph is particularly famous because it was one of the first times a woman had been photographed in a naturalistic setting, for public viewing.

Yes, because the lender estimated 3.08% of the home loan in closing costs which falls between 3 - 5%.

Yes, because the lender estimated 4.6% of the home loan in closing costs which does not fall between 3 - 5%.

No, because the lender estimated 6.2% of the home loan in closing costs which does not fall between 3 - 5%.

No, because the lender estimated 17.7% of the home loan in closing costs which does fall between 3 - 5%.

What is the benefit of paying discount points as part of the closing costs?

Discount points give the buyer a discount on the mortgage.

Typically points lower the interest rate on the mortgage. The more points that a buyer pays up front, the lower the interest rate.

Points lower the overall cost of the home. The more points that a buyer pays up front, the lower the total cost at closing.

Discount points give you a discount from the title company where you go to sign the loan papers.

Read the excerpt from A History of the World in 100 Objects.This object has on it the image of a king, but this particular example has been appropriated by women – disfigured by a slogan as an act of female protest against the laws of the state. It is a British penny with King Edward VII in elegant profile, but his image has been defaced in what was then a criminal act. Stamped all over the king’s head in crude capitals are the words VOTES FOR WOMEN.

to emphasize for the reader the difference between modern currency and the British currency of that time period

to make the reader wonder about what was featured on the other side of the penny

to make the reader visualize the coin and become interested in learning more about the culturally significant artifact

to explain to the reader how women of this time period were negatively affected by most laws

Read the excerpt from "Digging"Till his straining rump among the flowerbedsBends low, comes up twenty years awayStooping in rhythm through potato drillsWhere he was digging.Read the haiku by Bashō. On the way to the outhouse—the white of the moonflower by torchlight.How does the structure of these poems differ?

“Digging” attempts to capture a moment in the distant past, while Bashō's haiku speculates about the future.

“Digging” jumps from the present time to the past, while Bashō's haiku captures a single moment in time.

“Digging” describes a moment in the present time, while Bashō's haiku jumps back in time.

“Digging” speculates about the future, while Bashō's haiku commemorates a time from the distant past.

_____________ evaluates a piece in terms of its use of the Elements of Art.

Marxism

Formalism

Iconology

Iconography

Read the excerpt from "Benin Plaque: The Oba with Europeans” and consider the accompanying photo.There are several hundred Benin plaques now in European and American museums, and they offer us a remarkable picture of the structure of this West African kingdom. Their main subject is the glorification of the Oba and of his prowess as a hunter and soldier, but they also tell us how the people of Benin saw their first European trading partners.