Trevor gets a haircut before his interview. He wears his best suit to the interview. Walking into the room, he says hello, looks at his hands, gives the interviewer a strong handshake, and smiles widely. What should Trevor improve for his next interview?
a. his handshake.
b. his eye contact.
c. his physical appearance.
d. his verbal skills.

In a fixed-term, level-payment reverse mortgage, sometimes called a reverse annuity mortgage, or ram, a lender agrees to pay the homeowner a monthly payment, or annuity, and expects to be repaid from the homeowner’s equity when he or she sells the home or obtains other financing to pay off the ram. consider a household that owns a $150,000 home free and clear of mortgage debt. the ram lender agrees to a $100,000 ram for 10 years at 6 percent. assume payments are made annually, at the beginning of each year to the homeowner. calculate the annual payment on the ram.