Answer:
(1). Secured loans
Collateral is generally required for secured loans. Secured loan are those for which the borrower, along with a promise to repay, puts up some asset (collateral) as surety for the loan. A secured loan instrument simply means that in the event of default, the lender can use the asset to repay the funds it has advanced the borrower. The risk of default on a secured loans tends to be relatively low since the borrower has so much more to lose by neglecting his financial obligation. Secured loans financing is typically easier for most consumers to obtain. As this type of loan carries less risk for the lender, interest rates are usually lower for a secured loan.
(2). Higher interests rates.
People who get loans but are considered a risk to fully repay them, often get higher interest rate. Because the risk to the lender is increased relative to that of secured debt, interest rates on unsecured debt tend to be correspondingly higher. However, the rate of interest on various debt instruments is largely dependent on the reliability of the issuing entity. An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default.
(3). Higher total payment.
An unsecured loan to an individual may carry astronomical interest rates because of the high risk of default. Lenders issue funds in an unsecured loan based solely on the borrower's creditworthiness and promise to repay. Unsecured loan has no collateral backing, It involves no security, Hence, If the borrower defaults on this type of debt, the lender must initiate a lawsuit to collect what is owed.
After the US Civil War, president Lincoln started the process of reunification of the country. This is known as the Reconstruction era, when former rebellious Southern States were integrated back into the Union.
But, in 1865, president Lincoln was assassinated, and his vice president Andrew Johnson took power and drove the country into the reunification. Johnson wanted to reunite the country as quickly as possible, he pardoned the Southerners in a large numbers, and provided these states with a clear path to readmission.
He returned them their property, while the former slaves were excluded, and in return, he asked that they affirm the support of the United States Constitution. But he rejected the proposal that the federal government should provide the voting rights for freed slaves.
By 1866, he announced the end of Reconstruction.
Answer: Restoration-oriented
Explanation:
The restoration-oriented coping is one the process that incorporating the endurance by reconstructing the main perspective and the various types of thoughts and also helps in adopting the things according to the current situation.
According to the given scenario, Talat is basically trying to focusing on dealing with the various types of situation and she also start take caring her garden and her action is basically representing the restoration-oriented coping.
Therefore, Restoration-oriented coping is the correct answer.
Answer:
William James
Explanation:
Psychologists today who focus on the adaptive function of behaviors and emotions (that is, those who study behaviors and emotions that appear to have allowed our ancestors to survive) would likely consider <u>William James</u> an early representative of their approach to psychology.
William James is an American psychologist and philosopher. His writings were centered around pragmatism and functionalism. In his theory of functionalism, William James suggest that behaviour helps individuals adapt to their environment and the survival of our ancestors. He was the first psychologist and philosopher who proposed this line of thought.
Answer: Many diverse groups, including the Highland Scots, the Salzburgers, and the Jews, joined the settlement in Savannah and made a significant impact on the Georgia colony.
Explanation:
