The debt-to-income ratio compares income to debt for a given period, useful for budgeting and assessing a borrower’s ability to take on additional debt. There are two types: front-end and back-end, with lenders setting a percentage range for approval. Variable charges must be disclosed. The debt-to-income ratio is a simple comparison between the income generated […]
Valgus and varus are opposite terms related to inward and outward flexion of bones and joints. These deformities can cause complications and increase the risk of osteoarthritis. Valgus causes pressure on the outside of the knee, while varus shifts the bearing axis inward, destabilizing leg and joint movements. Both can cause permanent damage if not […]
Human factors specialists, trained in engineering and psychology, analyze human behavior in various settings such as court cases, insurance operations, and industrial design. They hold doctorates and have extensive backgrounds in sciences and are often called upon to testify in court cases. They can also conduct research and provide additional help beyond consultations. When human […]
Idiosyncratic risk affects only one stock or security and can be addressed by diversifying a portfolio. This risk can be caused by events such as strikes, lawsuits, or declines in earnings and is difficult to predict. Diversification is important to manage this risk, and investors may seek the advice of an investment adviser. Idiosyncratic risk […]
Whistleblowing policies protect employees who report illegal or inappropriate behavior in the workplace. It’s important to establish policies within organizations, including a process for filing a complaint and protection against threats before a complaint is filed. Laws can provide additional protection, but corporations are not required to have policies. Whistleblowing policies are rules intended to […]
Internet essay plagiarism is a growing problem for educational institutions, with websites selling pre-written essays and charging high fees. The industry is substantial, with many writers and sites available. Plagiarism checks are becoming more sophisticated, making it risky for students who are tempted to cheat. It is not considered illegal, but it is a serious […]
The idiom “wild goose chase” means a futile activity, but has nothing to do with geese. It originated from a horse race in 16th century England, where horses followed a leader in a formation resembling geese. Shakespeare used it metaphorically in Romeo and Juliet. The term “greylag hunt” was a backformation. The idiom survived in […]
Mortgage disability insurance provides resources to mortgage holders who become incapacitated and cannot make mortgage payments. It requires a medical authority to declare the homeowner disabled and unable to work. It helps protect the homeowner from foreclosure and is sometimes required by lenders. The coverage varies depending on the insurance contract. Mortgage disability insurance is […]
The diathesis-stress model explains how genetics and environmental stimuli interact to cause mental illness. Genetic vulnerability can increase the likelihood of developing a disorder when exposed to stressors, while those with less vulnerability can handle more stress without developing a disorder. Environmental stressors vary greatly, making it difficult to isolate a specific cause of mental […]
An EEG technician operates and maintains medical equipment to measure brain or nervous system activity. They administer the test, explain it to patients, and provide stimuli. They may also be responsible for maintenance and repair. An electroencephalogram (EEG) technician operates, maintains, and sometimes maintains this medical equipment. He administers the EEG test, which involves placing […]
A window contract is a type of guaranteed investment contract that allows for small payments over a set period of time, but is not guaranteed against insolvency. It is important to monitor the financial health of the issuing company and diversify investments. A window contract is a type of guaranteed investment contract (GIC) that is […]
ASP business models provide software applications and their supporting servers, distribution of information over networks, and timely billing of services. ASPs benefit individuals and startups with tight budgets, and high-level security measures protect customer data. Timely billing is integral, and the model can be tailored to fit various industries. The typical Application Service Provider (ASP) […]
Fiction magazines specialize in short stories, interviews, and articles about writing and publishing. They can be genre-specific or literary, and may offer payment or contests. Online-only magazines are often free and require less cost. Some of the most common types of fiction magazines are those that publish genre fiction and those that publish literary or […]
Public theology seeks to incorporate a secular approach to religious studies in order to seek truth through religion and scientific discovery, and to benefit society as a whole. It is influenced by Jürgen Habermas’s ideas on critical social theory and aims to counter the rise of fundamentalist Christianity. Proponents analyze modern society and focus on […]
CBOT is the world’s oldest futures and options exchange, founded in 1948. It operates from an art deco building in Chicago and trades over 50 different options and futures contracts through open protest and e-trading. The exchange’s main objective is to provide liquid and transparent contract markets for risk management, price discovery, and investment purposes. […]
Encephalomalacia is a condition where the brain becomes soft due to injury, swelling, or inflammation. It can be localized or widespread and can be caused by degeneration or disease. Millard-Gubler syndrome is an example of this condition, which affects the pons and can cause neurological disorders. Treatment involves finding and treating the underlying cause, and […]
A bank manager is responsible for staff management, marketing, attracting new customers, and resolving complaints. They must have skills in human resources, customer service, accounting, and computer knowledge. They also hire and train employees, oversee accounting documentation, set policies, and develop marketing campaigns. They must resolve customer complaints with excellent customer service skills. A bank […]
Common stock offers voting rights and a share in a company’s profits, but prices fluctuate. Preferred stock offers fixed dividends and priority in bankruptcy. Common stockholders can vote on governance and receive large dividends, but shares can depreciate. Preemptive rights allow common shareholders to maintain their ownership interest. Common stocks are traded in high volume […]
A production function evaluates the relationship between a firm’s output and its inputs, including capital, labor, land, raw materials, and technology. By analyzing each aspect of the production cycle, waste can be reduced, operating costs lowered, and profits increased. This concept can be applied to businesses of all types and sizes. A production function has […]
The North Germanic languages, including Norwegian, Swedish, Danish, Faroese, and Icelandic, evolved from Old Norse. Norwegian has two written forms, Bokmål and Nynorsk. Danish is mutually intelligible with Norwegian and Swedish. These languages are related to English and share some words. The North Germanic languages are a group of Germanic languages spoken in parts of […]
