Debt deflation occurs when the value of an asset used as collateral for a loan decreases, causing lenders to adjust loan terms. Even assets believed to increase in value can fall victim to debt deflation. Regulations govern lender actions, and borrowers should understand what lenders can and cannot do in such situations. Also known as […]
Collective consciousness is the shared knowledge and beliefs of a group, allowing for common goals and attitudes. It is a primary factor behind human group activity and arises from positive and negative pressure on individuals. The concept of a collective unconscious, proposed by psychologist CJ Jung, suggests that some human concepts are inherited rather than […]
Climate scientists study long-term weather patterns, focusing on data and changes over time. Their work spans multiple scientific disciplines and helps us understand Earth’s history and prepare for future endeavors. They use data from ancient glaciers, sediments, tree rings, and ocean currents to form a picture of Earth’s climate history and its influence on human […]
Credit money is a type of currency that represents future claims for a valuable item and can be used to buy goods and services. It is made of a material with low intrinsic value and includes notes, bonds, and money market accounts. The concept originated with English goldsmiths who issued paper notes backed by precious […]
Stigler’s economic regulation theory explains how interest groups use government regulatory power to advance their economic needs. Large corporations tend to win conflicts with smaller organizations and consumers due to their greater political power. The theory examines the methods of government regulation, including direct subsidies and protectionism. Critics argue that regulators have their own motivations […]
There are many children’s magazines to choose from, including Highlights for Children, Carus Publishing’s family of magazines, Children’s Better Health Institute’s magazines, Bluffton News Publishing and Printing Company’s magazines, New Moon magazine for girls, and National Geographic Kids. Each magazine offers a variety of stories, articles, poems, and activities for different age groups and interests. […]
Mormon theology is followed by various Christian groups, including The Church of Jesus Christ of Latter-day Saints. They accept the Book of Mormon as scripture, reject the doctrine of the Trinity, and have different beliefs about the afterlife. Mormons believe in good works for salvation and have three heavenly realms, with the Celestial Kingdom being […]
A capped index is an unbiased measure of a market that limits the weight of individual components, preventing larger players from overly favoring the market. It provides a balanced overview of the market and prevents a single stock from weighing down the index. A capped index is a measure of a type of market that […]
Dyslexia is a learning disorder that affects reading, spelling, and writing, but not intelligence. Mild dyslexia is less severe than moderate or severe dyslexia, but can still hinder a person’s ability to read, spell, or write. It is the most common learning disability among children and is hereditary. Treatment varies and can include tutoring or […]
A human resources assistant works in an office’s HR department, keeping employee records, answering questions, and maintaining the office. A high school diploma is usually required, and experience is preferred over education. Basic computer, communication, and organizational skills are necessary, and on-the-job training is likely. A human resources assistant, or HR assistant, is an excellent […]
Treasury bond funds invest in US Treasury bonds and are considered safer than corporate or municipal bond funds. However, they are vulnerable to future price changes, prepayment risk, interest rate changes, and default risk. Interest rate decisions by the Federal Reserve impact the net asset value of government bond funds. Some government bond funds provide […]
Flashbacks are used in literature, film, and television to take characters back in time. They can fill in the plot, reveal new links between characters and events, and confuse the plot. Flashforwards are also used. In psychology, flashbacks are vivid memories of traumatic events or recurring hallucinations experienced as a result of taking hallucinogenic drugs. […]
Security risks in business can lead to financial losses for both the business and its customers. These risks can be physical or digital, and proactive and reactive measures can be taken to prevent and manage them. Theft and information security failures can impact customers and lead to losses for the business. A security risk in […]
Fan Literature, or FanLit, is a genre of writing that can take many forms, often an extension of popular books or series. FanLit can be sexually explicit and is recognized as “slash fiction.” Avon Romance held a writing contest in 2006, and FanLit has become more widespread with the internet. Other writing contests have been […]
Bonds are debt instruments used by governments and companies to raise funds for projects. The level of risk and yield varies depending on the type of bond, with bond insurance reducing principal risk and potentially lowering yields. Bond insurers are private investment firms or insurance companies, and their credit ratings are important to investors. A […]
A fern test is used to evaluate cervical mucus for amniotic fluid leakage or fertility monitoring. The test involves examining a dried mucus sample under a microscope for a distinctive fern-like pattern. High estrogen levels can produce more sodium chloride in the mucus, causing a positive test result. The test is commonly used in pregnant […]
The idiom “like father, like son” refers to physical and behavioral similarities between fathers and children. It can be complementary or offensive and is often true due to genetics, parenting styles, and environmental conditions. The idiom can be used in various situations to compare similarities, and similar idioms exist for mothers and daughters. The term […]
A hybrid annuity combines fixed and variable rate annuities, allowing the annuitant to choose how much to invest in each portion. The fixed portion provides more security, while the variable portion offers higher returns. It is best for investors with a longer time horizon and allows for allocation between conservative and aggressive investments. It also […]
Pancreatic cancer can develop from both exocrine and endocrine cells in the pancreas. Symptoms include back pain, weight loss, and jaundice. Diagnosis is made through CT and ultrasound, and treatment includes surgery, radiation, and chemotherapy. The CA 19-9 blood test can monitor the effectiveness of treatment. The pancreas, located behind the stomach, is an organ […]
A housing specialist can work in various positions, including consulting for municipalities on housing issues, helping people relocate, and connecting low-income individuals to housing services. They may require a degree in urban planning or social work and must have people skills and community familiarity. The job description of a housing specialist can vary, because this […]
