Niecy Lindsay's EPF Crossword Part 2

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Across
  1. 1. Consist of English, mathematics, reading, science, writing (optional). The main four tests are scored individually on a scale of 1–36, and a Composite score is provided which is the whole number average of the four scores. The average is between 20 and 21.
  2. 3. (3 words) housing, meal plans, transportation on campus,
  3. 6. The acronym for Principal, Interest, Taxes and Insurance, usually the four parts of your monthly mortgage payment.
  4. 7. (2 words) A financial statement that shows all transactions for a particular period of time.
  5. 8. A group of people who set rules and expectations for a property (often consisting of owners, developers, architects, tentants)
  6. 9. (3 words) A mortgage in which the interest rate changes periodically according to a predetermined index.
  7. 16. class dues, student ID, use of special facilities etc.
  8. 18. A decrease in a deposit account’s balance, such as occurs when a check posted to the account. See also “credit.”
  9. 19. take money out of a bank account
  10. 20. The process of taking possession of a mortgaged property as a result of the mortgagor's failure to keep up mortgage payments.
  11. 21. Consists of three parts: Critical Reading, Mathematics and Writing. The scores from each section can range from 200 to 800, so the best possible total score is 2400. The average score for each section is roughly 500, so the average total score is about 1500.
  12. 22. A written order instructing a financial institution to pay immediately on demand a specified amount of money from the check writer's account to the person named on the check or, if a specific person is not named, to whoever bears the check .
  13. 23. (3 words) There may be instances where the apartment community management staff needs to enter an apartment unit, such as in emergencies or for scheduled maintenance. This section of the apartment lease agreement will detail when management can enter the renter’s apartment and what sort of notice they must give in advance.
Down
  1. 2. (2 words) Allows you to make up overdue payments over time and to reinstate the original arrangement (mortgages). Chapter 13 is the only choice if you want to keep your property, either in Virginia or another state, at the end of the bankruptcy process.
  2. 4. (2 words) bankruptcy wipe out your debts and get a "Fresh Start". Chapter 7 bankruptcy is a liquidation of all of your assets and sells any assets which are not exempt. The net proceeds of the liquidation are then distributed to your creditors.
  3. 5. The FDIC is an independent agency of the United States government that protects people who have funds on deposit with FDIC-insured banks and savings associations against the loss of their insured deposits if their bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
  4. 9. (2 words) The balance of an account less any hold, uncollected funds, and restrictions against the account.
  5. 10. (2 words) a bank account that pays interest on the money put into it
  6. 11. (2 words) include money coming in (Deposits or Credits), money going out (Debits)Transfers, and Current Balance.
  7. 12. (2 words) An insurance policy, similar to homeowner’s insurance that protects a renter and his/her property from loss due to theft, fire or other events. Some apartment community management companies will require their residents to purchase renter’s insurance. If this is a requirement, that detail will be specified in the lease.
  8. 13. class, your seat, the instructor
  9. 14. (2 words) The payment history of an account over a specific period of time, including the number of times the account was past due or over limit.
  10. 15. An overdraft occurs when a bank makes a payment that has been requested (such as a check), even though there are not enough funds available in the account cover it.
  11. 17. A loan used to buy a building or land.