Nick found his dream home that has a purchase price of $192,000. nick earns $3,325 a month and wants to spend no more than 30% of his income on his mortgage payment. he has saved up $35,000 for a down payment. nick is considering the following loan option: 20% down, 30 year at a fixed rate of 6.25%. what modification can be made to this loan to make it a viable option, given nick’s situation?
(a) change to a 15 year fixed loan
(b) change the interest to 6%
(c) change the down payment to 18% down
(d) none. this is a viable option for nick.

Bull files a suit against clay in a state court over payment due on a short-term lease of grazing land. the case proceeds to trial, after which the court renders a verdict. the case is appealed to an appellate court. after its review of bull v. clay, the appellate court upholds the lower court’s verdict. the appellate court has:

John redmond was not paid for trim carpentry work that he did for brenda knighton in her home. ms. knighton does not dispute that redmond did the work, but she says that he waited too long to file the suit because the time for suit is measured from the time the work began, which was over 4 years ago, and not from the time she failed to pay, which was two years ago. the statute of limitations in their state is four years. which of the following is a correct statement? the csae must be dismissed because of the statute of limitations the case qualifies for a directed verdict the case can be decided on a summary judgment motion the case can be dismissed on a judgment of the pleadings

At these trading houses we have kept prices low. we have driven out private traders and those who would make the indians suspicious and fearful of us. in doing so, we have earned the good will of the indians. a letter enclosed shows the effect of this. the indians see the advantage of purchasing from us and request that we establish trading houses among them. in one area this is particularly interesting. the congress must know how much we want to control a large stretch of land on the mississippi river. this would allow us to present as strong of a defense on that side of our territory as on our eastern border. we already control what is below the yazoo river. however, the country between the yazoo river and the ohio river belongs to the chickasaw indians. this tribe refuses to sell its land, but they have recently shown a desire to begin farming. this leads to buying goods and comforts. if we grant these desires, we may be able to secure land on the mississippi. now that trade is expanding among the indian tribes, congress may wish to point our citizens in another direction. the missouri river is not well known to us. it crosses a mild climate and offers a route from the western ocean to the atlantic. an intelligent officer and a team of men might explore the whole route of the river to the western ocean. they could speak with natives, find opportunities for our traders, and return with information after two summers. their arms, tools and gifts for the indians would be the primary costs of the expedition. it would benefit our nation to explore this territory because it offers the only easy way to travel across the continent. the interests of trade give congress the power to approve this expedition. learning more about the geography of our continent is another reason to make this voyage. $2,500 is requested for the purpose of extending trade across the united states. this sum will cover the entire undertaking. what did thomas jefferson suggest congress do in response to the native americans?