5. assume that jocelyn is comparing two fixed-rate loan options, a 15 year and a 30 year mortgage. both options have the same interest rate and amount borrowed. the 30 year, when compared to the 15 year loan will have a monthly payment and a total cost when repayment is completed.

The correct answers are:

When the repayment schedule of the mortgage is calculated, the total amount of the loan (called principal) is divided in a number of identical monthly instalments. In the 30 year mortgage, as the principal is divided into a larger number of months, the amount due on each of them is lower.

The interest is accrued when a payment is made every month. As in the 30-year loan there is a larger number of repayments the aggregate amount repaid in terms of interest in much larger than in the 15-year one. As in both the repayment of the principal is exactly the same, the cost of the 30 year mortgage is larger.

2686-2181 bce-- "egyptian civilization developed along the nile river in large part because the river’s annual flooding ensured reliable, rich soil for growing crops."

1069-664 bce-- "ancient egyptians developed wide-reaching trade networks along the nile, in the red sea, and in the near east."

every of the four river valley civilizations, religion played an enormous role in shaping and cultivating each civilization. this essay will briefly discuss how religion formed the river valley people’s government and view on geography. religion dictated how the peoples of the river valley civilizations managed government and geography.

            religious leaders played prominent roles in every river valley civilizations form of government. from ancient egypt and mesopotamia to china’s historic empire and the indus river valley, all the river valley civilizations had significant religious figures. in ancient egypt, the pharaoh was revered as a god and therefore was given his right as supreme governing authority in the eyes of the people. the elusive emperors of china gained there governing rights by a mandate of heaven creating long lines of dynasties until the common people of china felt the dynasty had lost the favor of the gods. chinese emperors were not only governing leaders but also the spiritual leaders of ancient china. mesopotamian and indus river valley priests were referred as has head officials who had vast amounts of authority in these two civilizations primitive forms of democracy. religion shaped the structure and social caste of the four river valley civilizations.

hope that