Tom was recently turned down for a loan. He would like to re-apply next year for the same loan. Which of the following is not a change he could make to increase his chances of being approved for the loan? a.

Pay off some of his credit cards to decrease his debt-to-income ratio.
b.

Take out some more credit cards to increase his monthly debt.
c.

Find another job that pays more, increasing his gross monthly income.
d.

Improve his credit score by making all credit card and loan payments on time

Look at all the options and see which one would NOT be a positive change. In order to get a loan, you want as little debt as possible, which rules out option A because getting rid of debt is good. You also want a high paying job, which rules out option C. Finally, your credit score is very important in getting a loan. You want the best credit score possible, which rules out option D. This leaves option B. This would be the answer because, as I said before, you want as little debt as possible, so increasing your monthly debt would not be helpful at all in getting a loan.

the answer would be voluntary exchange -

"the act of buyers and sellers freely and willingly engaging in market transactions. moreover, transactions are made in such a way that both the buyer and the seller are better off after the exchange than before it occurred."

hope this : )

-shy

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