Emblements are a type of real property that refers to crops that have been planted, but not yet harvested. The term is most often used in reference to farm land, but can technically apply to any land on which crops are grown. Emblements are considered personal property, as opposed to real property, because they are … Read more

Delinquent Account Credit Card.

A delinquent account is a credit card account that has been delinquent, or behind, on payments for an extended period of time. A delinquent account is typically reported to the major credit bureaus, which can negatively impact your credit score. If you have a delinquent account, you may have difficulty obtaining new credit or loans … Read more

What Is EMEA?

EMEA is an acronym that stands for Europe, the Middle East, and Africa. This region is often considered to be a single market due to its similarities in culture, language, and economic development. The EMEA region is home to some of the world’s largest economies, including Germany, the United Kingdom, France, and Italy. This region … Read more

Appraisal Ratio Definition.

The appraisal ratio definition is the percentage of a property’s appraised value that its owner actually owes on the mortgage. For example, if a property is appraised at $100,000 and the owner owes $80,000 on the mortgage, the appraisal ratio is 80%. Appraisal ratios are used by lenders to determine whether a borrower has enough … Read more

Stockholder Voting Rights.

A company’s shareholders are typically granted voting rights, which allow them to elect the company’s board of directors and vote on corporate matters. Shareholders may also have the right to vote on matters relating to the sale of the company or the issuance of new shares. What is the preferential system of voting? The preferential … Read more

Old Economy.

The term “Old Economy” refers to economic activity that is based on traditional manufacturing and agriculture. This sector is typically characterized by slower growth, lower productivity, and less exposure to international competition. What are the oldest stocks? There are a few ways to look at the oldest stocks. One way is to look at the … Read more

Unearned Revenue.

Unearned revenue is income that has been received by a company but has not yet been earned. This type of revenue is recorded as a liability on the balance sheet until the goods or services are delivered, at which point it is recognized as revenue on the income statement. Unearned revenue is often received in … Read more

Insolvency: Definition, How It Works, Contributing Factors.

. What is Insolvency? How Does Insolvency Work? What Are the Contributing Factors to Insolvency? What can we learn from Chapter 11? Debt management is the process of handling debt in a responsible and effective way. This includes understanding different types of debt, developing a budget, and creating a plan to pay off debt. There … Read more

Human Resources (HR) Meaning and Responsibilities.

Human resources (HR) is the department within a business that is responsible for all aspects of employee management. This includes recruitment, training, benefits, and payroll. HR is also responsible for ensuring that all company policies and procedures are followed. The main responsibilities of HR are to attract, hire, and retain employees. They also work to … Read more