please help. thank you

1-One of the most important features of a filing and record keeping system is that it works for you and meets your needs.

T/F

2- Which one of these is the best way to prevent foreclosure?

a- Save at least 1% of your home's purchase price annually

b- Refinance as soon as possible

c- Use a budget to live within your means and build savings

d- Never accept an adjustable-rate mortgage

3- Choose the best scenario for refinancing.

a- You have a current mortgage at 5% and have been approved for a new mortgage at 3.75%. You'll break even on the closing costs in two years, and you don't plan to move for at least five.

b- You intend to move in about nine months, but you have been approved for a mortgage with an interest rate two whole points lower than your current rate.

4- A home equity loan can be risky because the lender can foreclose if you don't make your payments.

T/F

5- The best way to protect your family from carbon monoxide poisoning is to install a whole-house air ventilation system.

T/F

6- What should you do if you start having a hard time paying your mortgage? Select all that apply.

a- Use your credit cards for everything so you can meet your payment

b- Notify your mortgage servicer

c- Contact a Homeownership Advisor

d- Wait a few months and see if things turn around

e- Cut other expenses where you can

7-How much should you save each year for maintenance on your home?

a- $500

b- Whatever your home inspector recommends

c- 7% of your gross income

d- At least 1% of the purchase price

8- One of the advantages of a home equity loan is that you can borrow money any time, up to the approved amount.

T/F

9-Which of these is not a responsibility of homeownership?

a- Being a courteous neighbor

b- Getting appraisals done annually

c- Keeping your home properly insured

d- Keeping your home safe and secure

e- Regular home maintenance

10- In which scenario do most homeowners use the equity in their home?

a- To pay off student loans

b- When they have children

c- When they sell it to buy a new one

d- When they're threatened with foreclosure