For a business that is properly designing and using a social media information system (smis), the smis would most likely: a. curb hypersocialization in the organization. b. decrease web site traffic. c. enable it to develop local area networks within the organization. d. enable it to share new and dynamic contents with customers in real time.

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.