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Cite all reference material data, dates, graphs, quotes, paraphrased words, values, etc. in the paper and list on a reference page in APA style. References must come from sources such as, scholarly journals found in EBSCOhost, CNN, online newspapers such as, The Wall Street Journal, government websites, etc. Sources such as, Wikis, Yahoo Answers, eHow, blogs, etc. are not acceptable for academic writing. Download an example here. Part 2 PowerPoint PresentationCreate a PowerPoint presentation and record yourself presenting the response to the assignment. The presentations should be a minimum of six minutes in length and include at least 15 slides. TIP: If you have Office Mix, you can record a voiceover for your PowerPoint presentation. Or, you may use a free app called Screencast o matic to record your presentation. With Screencast o matic, you can record a screenshare of your PowerPoint slides while you verbally present your information.


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The Real Estate Licensing Exam


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The remaining money, if any, is returned to you. A down payment is part of the total price of a property you buy, with minimum requirements based on the loan type. For example, loans insured by the Federal Housing Administration require a minimum down payment of 3. 5 percent of the purchase price. Insurance. Insurance requirements vary for renters and homeowners. For example, renters insurance is not usually required, but its relatively inexpensive and protects your personal belongings against damage, theft, or loss from accidents such as fires and flooding. It also may cover your liability for damage to neighbors belongings caused by an accident in your unit. Similarly, homeowners insurance protects your belongingswhich also includes the dwelling itselfand provides liability coverage. Most lenders require homeowners insurance as part of the mortgage. Homeowners insurance differs from private mortgage insurance PMI, which is usually required only when a down payment is less than 20 percent. Utilities. The property you rent or buy uses basic utilities, such as electricity and water. Rental properties may include the cost of some or all utilities in the lease, or you might be responsible for paying utility companies directly. Homeowners usually pay their own utilities. For the utilities that are your obligation, contact each utility company to set up an account. Utility bills are often accepted as proof of address for identification or services, such as a drivers license or library card. As with your rent or mortgage, paying your utility bills on time helps you to maintain a good credit rating. Other expenses. Setting up residency may involve other costs. For example, establishing telephone, Internet, and cable service are likely to be your responsibility. Required fees for a community space or homeowners association may cost extra. Trash and recycling collection may or may not be included in rent, fees, or property taxes. Another big expense that is indirectly related to your housing choice is transportation. In some locations, public transportationsuch as buses, commuter trains, and ferriesmay be enough. But in others, you may need another mode of transportation. You can avoid the expense of buying, insuring, and maintaining a vehicle by using car sharing services, carpooling, or renting. Or you could consider alternative methods for getting around, such as a scooter or a bicycle. All the responsibilities of setting out on your own can make the effort seem daunting. But remember, you dont have to do everything at onceand its OK if you dont get each detail right on the first try. "Approach each challenge piece by piece, calmly and without pressure," says Barrington.

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