Real estate brokers need more than just errors and omissions insurance. They also need worker’s compensation, business liability, business interruption, life and disability, health, and property and casualty insurance. A person looking for real estate broker insurance may be surprised by the different types of insurance policies available. Errors and omissions (E&O) insurance is typically […]
Insulin sensitivity refers to the body’s ability to process glucose with normal or low levels of insulin. Insulin resistance requires a lot of insulin to process glucose, leading to health problems. Diagnostic tests can determine insulin sensitivity, and changes to diet and exercise can improve it. Insulin sensitivity is important for people with diabetes who […]
Banquet servers have various responsibilities, including preparing and serving food, setting up tables, and cleaning up after events. They must be attentive to guests’ needs, physically and mentally fit, and follow health and alcohol regulations. Banquet server jobs are available in various institutions and require teamwork and knowledge of the menu. Those who hold banquet […]
Income statements and balance sheets are important accounting documents used by organizations, particularly in the US where they must be filed with the SEC. Income statements list income and expenses over a period, while balance sheets provide a snapshot of assets, liabilities, and equity at a specific point in time. These documents, along with retained […]
A sales ledger tracks sales and invoices for a business, with columns for date, invoice number, description, and amount received. It helps track profits, buying trends, and is useful for tax returns and audits. Updating it frequently is important to avoid mistakes. A sales ledger is an accounting tool used in business to track sales […]
“Day in the sun” means receiving long-awaited attention or appreciation. It can refer to incentives from employers, and is associated with “every dog has its day.” The phrase is sometimes related to Sunday, and has a positive connotation as the sun is a symbol of happiness. The English phrase, “day in the sun,” generally refers […]
Tom Swifty is a type of pun that uses homophones and is told as a one-liner joke. It is named after a series of adventure books for boys with a hero called Tom Swift. The pun usually involves an adverb describing how Tom speaks and part of the pun in his words. Examples include “I […]
A mortgage buyer purchases mortgage notes from lenders, offering the note holder less than the value of the mortgage. The buyer absorbs the risk and sets the price. They can offer creative solutions, such as purchasing only a portion of the note. Note holders should shop around for the best deal. The term mortgage buyer […]
Implantation bleeding is light spotting that occurs when a fertilized egg attaches to the wall of the uterus, and can be a sign of pregnancy. It typically lasts for five to ten days and is not a cause for concern, but severe pain or increased bleeding may indicate an ectopic pregnancy or miscarriage. Implantation bleeding […]
Music education teaches history, theory, and instrumental/vocal skills, improving academic and social skills. It includes music history, theory, and instrumental/vocal lessons. Music education benefits students by improving academic and social skills, and it includes music history, theory, and instrumental/vocal lessons. Learning music has been proven to help students excel in other areas, and there are […]
Deflation is a decrease in price levels, which can be dangerous for the economy. It can occur due to a higher demand for money, a higher supply of goods, a lower supply of money, or a lower demand for goods. The national bank can combat deflation by increasing the money supply through interest rates. However, […]
An executed agreement is a legal document signed by all necessary parties, but it does not necessarily mean it is effective. Contracts and lease agreements are common examples, and the effective date is when the document becomes binding. An enforced agreement is essentially a legal document that has been signed by the people needed to […]
The phrase “throw the baby out with the bathwater” originated in Germany and warns against discarding the good along with the bad. It comes from a time when Europeans rarely bathed and the water became dirty, making it possible to lose a child in the murky water. The term reminds us to avoid hasty decisions […]
A vowel shift is a change in the inflection or phonetics of a vowel sound over time in a language, which can be observed in the study of historical linguistics. Linguists study vowel changes in different languages, including the major vowel shift in English from the mid-15th to mid-18th century. Vowels can become diphthongs, longer […]
Commercial mortgage-backed securities are debt securities based on mortgages taken out on commercial real estate. They have lower prepayment risk due to lockout clauses, prepayment penalties, and yield maintenance. Issuers pool commercial mortgages and place them in a trust, with rating agencies evaluating bond terms. Unrated securities may still be a good investment with a […]
Erythrasma is a bacterial skin infection that affects moist skin folds, often found in overweight people and diabetics. It can be easily treated with antibacterial soap and topical antibiotics. Proper diagnosis is important as it can be mistaken for other skin conditions. The bacteria causing the infection can be identified through ultraviolet light exposure or […]
Paramedic careers include ambulance, nurse, firefighter, and police paramedics. They provide emergency medical services in various settings, including hospitals, private homes, and outdoor areas. Some careers require paramedic certification, and firefighters are often the first responders to pre-hospital care. Law enforcement officials may also need to obtain certification as paramedics. Other paramedic careers include paramedical […]
Fiat money is currency declared valid by a government, not backed by a commodity like gold or silver. The US and many other countries use fiat money, which has advantages like flexibility but can also lead to hyperinflation. Fiat money is a form of currency that is considered valid and legal because the government says […]
An asset management system manages physical and digital assets, maintaining details such as selection, maintenance, inspection, protection, and renewal. It can be physical or software-based, but must contain accurate information to be effective. Digital asset management can aid in audits or disasters. The choice between physical or software-based depends on the company’s resources. An asset […]
Loaded language is wording that uses emotional appeal to influence people’s thoughts, actions, or beliefs. It can be positive or negative and is used in cults, politics, business, and advertising. The brain responds to emotions first, making loaded language effective. It can impair critical thinking and reasoning by redefining or relabeling something or someone. Loaded […]
