Equity mortgages, also known as reverse mortgages, allow homeowners to use their home equity while still living in the property. Homeowners must meet specific qualifications and the home is held as collateral. Cash disbursements are provided to the homeowner, typically on a monthly basis, to augment retirement funds. The homeowner must be over 55 and […]
Buccal swabs are used for DNA and HLA testing, with the swab rubbed against the inside of a person’s cheek to obtain a sample. The procedure is simple and relatively inexpensive, making it popular for home DNA testing. It can be used in medical and law enforcement investigations, but may not be considered evidence in […]
Occupational health nurses treat work-related injuries and illnesses, enforce OSHA regulations, and provide counseling services. They typically work in hospitals, clinics, and private practices, and require a bachelor’s degree in nursing. Continuing education and certification can lead to career advancement. An occupational health nurse is a registered medical professional who treats work-related injuries and health […]
Loan-to-value (LTV) is an equation used by mortgage lenders to assess their risk when lending money to a borrower to purchase a property. The ratio between the amount of money borrowed and the value or purchase price of the property is used to determine the LTV. The purpose of establishing LTV is to protect the […]
A work order should include contact information, a detailed description of the work required, tracking numbers, a suggested completion date, and information about the location of the work. It may also require an account number for charging the work. The information to include on a work order, a document used to request work from another […]
Thai is a tonal language spoken by around 50 million people worldwide. It is part of the Tai language group and has many dialects, including Standard Thai and Isan. The language is written using an alphabet derived from Khmer and Sanskrit, with 44 consonant letters and 24 vowels. Thai can be difficult to learn for […]
Chiasmus is a literary device that reverses the order of words or sentence structure in parallel clauses. It can be found in poetry, political speeches, and advertising. Antimetabole is a type of chiasmus where the same words are used in reverse order. Phonetic chiasm changes sounds for effect. It is “chiastic,” not “chiasmic,” and the […]
Mass transfer involves the orderly transfer of a company’s assets from one owner to another, starting with physical assets and continuing through financial holdings. It is typically managed in phases with contracts to verify the value and composition of each asset. Legal advice is necessary for both parties involved. A block transfer usually has to […]
Uterine perforation can occur during medical procedures or with the use of an IUD, causing symptoms such as heavy bleeding and abdominal pain. Women with a history of abdominal surgery or C-sections are at higher risk. Treatment involves removal of the IUD or surgery to repair the damage. Uterine perforation is a medical term that […]
Medical laboratory technicians perform diagnostic tests in laboratories, including preparing patient samples, testing bodily fluids for bacteria and viruses, and examining cells and tissues for signs of disease. They may specialize in microbiology, immunology, hematology, histology, or cytology. Skills required include problem-solving, analytical, fine motor, hand-eye coordination, record-keeping, and multitasking. The job description may vary […]
The direct method of presenting statements of cash flows shows how cash was received and used in a business, and is important to investors and bankers. It is classified into three sections: operating, investing, and financing activities, with differences between the direct and indirect methods affecting only the operating activities section. The direct method shows […]
Maintenance work orders are requests for maintenance or repairs in apartments, offices, or equipment. They are generated by managers or tenants and can be organized in various ways, including checklists and additional comments. Preventative maintenance work orders are typically scheduled, and some orders may include requests for configuration changes. A maintenance work order is typically […]
“Theft” refers to buying something at a heavily discounted price, often used for large items like cars or houses. Furniture stores, auctions, pawnshops, and foreclosures are good places to find steals, as well as yard sales for used goods. When something is bought at a heavily discounted price, it is often referred to as “theft”. […]
The saying “absence makes the heart grow fonder” refers to the phenomenon of idealizing a loved one when they are away for a period of time, leading to a stronger emotional connection upon their return. This can apply to romantic relationships, friendships, and even relationships with pets, but there are exceptions where separation can lead […]
Direct buyout programs allow the public to purchase shares directly from companies without a broker, with no minimum purchase or brokerage costs. The SEC’s rule changes in the 1990s led to the growth of direct buyout programs, and today, thousands of companies offer them. Employee purchase programs allow employees to purchase shares as part of […]
Paroxysmal atrial tachycardia (PAT) is a sudden irregular heartbeat that can be caused by extra heart tissue or an abnormality in the atrial node. It can be diagnosed with an event monitor or Holter monitor and may be treated with medication, cardiac ablation, or a defibrillator. PAT can be life-threatening for those who have had […]
Veterinary technicians assist veterinarians with daily tasks and medical procedures, often requiring a two-year technical degree and passing the Veterinary Technicians National Examination. They work with animals, perform physical exams, assist during surgeries, and conduct lab work. They can work in private practices, the military, or other animal care settings. The job is physically and […]
Tear sheets are reports providing up-to-date information on stocks, traditionally sent by brokers to clients via courier or fax. Electronic tear sheets are now common, containing vital information about a company’s status and stocks, helping investors make decisions on buying or selling shares. In the financial world, tear sheets are sheet reports that provide up-to-date […]
The product life cycle theory compares the stages of a product’s development and sales to the stages of organic life cycles, including birth, growth, maturity, and decline. Additional stages, such as saturation, can be included. The theory is based on the development of organic life, with a product’s birth being its introduction and its decline […]
“Behind closed doors” refers to private meetings or discussions that exclude others. It can be used in government, business, or personal settings and may imply intentional exclusion or legitimate privacy concerns. It can also describe behavior that is different in private than in public. “Behind closed doors” is a phrase used to denote secrecy or […]
