What could the advantages and disadvantages for an, Financial Management

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What could the advantages and disadvantages for an

1. What could the advantages and disadvantages for an insurance company of small claims court? How could the insurer avoid the small claims court?

2. A borrower is offered a mortgage loan for $100,000 with an interest rate of 10% and a 30-year amortization period with monthly payments. The origination fee is 1% of the loan and the lender charges two discount points. What is the effective interest rate?

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