A customer who browses without intending to buy is called a looky-loo. They can waste salespeople’s time and affect sales figures. Some retailers use code words to identify different types of customers. Looky-loos can become paying customers in the future. Some shoppers walk into a showroom or store with a specific purpose in mind. Others […]
Margin buying allows investors to spend more money than they have by borrowing from brokers. It can lead to high returns, but also devastating losses. Margin requirements have increased since the 1920s to prevent weak investment positions and market crashes. The NYSE requires a $2,000 deposit and limits borrowing to 50% of the investment value. […]
The umbilical cord connects a mother and her baby in the womb, supplying nutrients and removing waste. After birth, it dries up and falls off. Umbilical cord odor is common but can be caused by infection, dirt, or bacteria. Normal odors are mild, but signs of infection include swelling, redness, bleeding, and pus. Infections require […]
An insurance account manager oversees and maintains insurance accounts, provides customer service, resolves issues, and secures new accounts. They must develop good relationships with clients and have excellent communication skills. Sales efforts are focused on corporate customers, and experience in insurance and sales is preferred. An insurance account manager is usually responsible for overseeing the […]
Annuities are insurance plans that can be accessed at a certain age, with payments often coming from stock market investments. Annuity beneficiaries may be subject to taxes, but annuities are less susceptible to tax issues than other forms of inheritance. Annuity owners must name beneficiaries in the contract, and can make changes if needed. Primary […]
True copies are exact reconstructions of original documents, including all elements with no changes. Certified copies are used in court systems and companies for archival and general use, and are compared to the original before being stamped and filed. The same person who signed the original can sign a certified copy. True copies are exact […]
Pantalaimon is the dæmon of Lyra Belacqua in His Dark Materials. He can shapeshift into any animal and takes on various forms throughout the novels. His name comes from the Greek for all-merciful. Pantalaimon is fiercely devoted to Lyra and eventually gains the ability to travel away from her. Pantalaimon is a demon in the […]
The fop is a male character from 17th- and 18th-century English literature obsessed with fashion and personal appearance. He is often mocked and treated with derision, but can win the girl in the end. The term “fop” originally meant foolish person and was used to describe individuals obsessed with fashion. Fops were regularly mocked on […]
Emergency credit is a long-term loan offered by the Federal Reserve Bank to financial institutions other than banks. It helps institutions facing temporary financial stress to continue operations, keep employees, and service debts. Nonfinancial institutions can also apply for emergency credit. The Federal Deposit Insurance Corporation Improvement Act of 1991 expanded provisions of the Federal […]
Lumbar puncture is a procedure to take a sample of cerebrospinal fluid, which can cause severe headaches. Patients should lie down, take pain medication, drink fluids, and avoid alcohol. CSF samples can diagnose diseases. If headaches persist, a blood patch may be necessary. Serious side effects are rare but should be reported to a doctor. […]
Neurological surgeons diagnose, treat, and operate on patients with neurological diseases and disorders. They require extensive education and training, and use advanced medical technology to investigate and treat physical disorders. The demand for qualified neurological surgeons is strong. Neurological surgeons are medical professionals who diagnose, treat, consult and operate on patients with various neurological diseases […]
Statement billing lists all accounts for a period in one document, making record-keeping easier and allowing customers to make a single payment. It is standard for credit card companies and can require payment in full or a minimum amount. It is more cost-effective for businesses than sending multiple small invoices. Statement billing is a billing […]
Guaranteed sales can mean wholesalers taking back unsold goods or realtors buying unsold homes. Secured sales agreements, also known as consignment sales, can involve upfront payment or no payment until the retailer sells the product. It is important to read the terms and conditions carefully to avoid unexpected liability. A guaranteed sale in real estate […]
Willa Cather, born in 1873, is known for her depictions of American life and pastoral novels. She was born on a farm in Virginia and later moved to Nebraska. She attended the University of Nebraska and began her writing career as a contributor to the Nebraska State Journal. She moved to New York City in […]
A protagonist is the main character in a work, often the hero or heroine. The antagonist is the character who conflicts with the protagonist. Tragic flaws can lead to the protagonist’s downfall, while in comedy, the protagonist develops from chaos to order. In some works, there is no defined protagonist. A protagonist is the protagonist […]
Key man insurance provides coverage for businesses in the event of sudden loss of an essential employee due to death or disability. The employee must meet certain criteria, and coverage may include disability insurance. The purpose is to help the business recover and find a suitable replacement. Key man insurance is a form of insurance […]
Liver resection is a surgical procedure to remove part of the liver due to damage from a tumor or trauma. It can also be done to remove a healthy liver from a donor to save a patient’s life. The procedure involves rerouting bile ducts and arteries to the remaining sections of the liver. Complications may […]
Literacy instruction includes phonetic and whole word reading, as well as strategies for comprehension. Phonics is useful for students who cannot read, while memorizing frequently encountered words is effective for some students. Practice and exposure to a variety of texts are important for developing literacy skills. Once basic reading skills are acquired, instruction shifts to […]
Financial institutions face risks including lack of transparency, overlap within the company, and potential for bad transactions or unexpected losses. Increased regulation and communication between executives and risk professionals can mitigate these risks. A possible lack of transparency is a risk in financial institutions. Much of the world’s capital markets at some point move through […]
Resource allocation is the distribution of economic resources, including land, labor, capital, and entrepreneurship, in the free market system. The “invisible hand” theory suggests that self-interest and competition drive resource allocation. An analysis of resource allocation considers costs and competitive advantages to determine the best use of resources. Resource allocation is an economic theory that […]
