All > Business > Small Business
Any kind of indebtedness; an encubance or commitment. Proprietorship (See: Sole proprietorship)
- Browse Related Terms: Accounts Payable, Accounts Receivable, Bank Reconciliation, Corporation, Hawaii Capital Loan Program (HCLP), Market, Marketing, Obligations, Partnership, Ratio, Return on Investments (ROI), Services Corps of Retired Executives (SCORE), Subchapter "S" Corporation
All > Business > Real Estate
View in which a three-dimensional object is represented by a drawing (oblique drawing) in which the face, usually parallel to the picture plane, is represented in accurate or exact proportion, and all other faces are shown at any convenient angle other than 90°.
- Browse Related Terms: Block Plan, Building Plan, Building Streetwall, Elevation, Floor Plan, Oblique, Roof Plan, Section Drawing, Sight line drawing, Site Plan
All > Business > Finance > Personal Finance > Mortgage
Indicates whether the property to which the loan application relates will be the owner's principal dwelling. For multifamily dwellings (housing five or more families), and any dwellings located outside MSA/MDs, or in MSA/MDs where an institution does not have home or branch offices, an institution may either enter the code for not applicable or the code for the actual occupancy status.
For purchased loans, use code 1 (owner-occupied as a principal dwelling) unless the loan documents or application indicate that the property will not be owner-occupied as a principal residence.
For second homes or vacation homes, as well as for rental properties, use code 2 (not owner-occupied as a principal dwelling).
If a loan relates to multiple properties, the institution reports the owner-occupancy status of the property for which property location is being reported.
- Browse Related Terms: Dwelling, Home Improvement Loan, Home Purchase Loan, Loan Purpose, Occupancy, Property Type, Refinancing
Also listed in:
Occupation means the occupational or job classification in which the H-1B nonimmigrant is to be employed.
- Browse Related Terms: Actual wage, Essentially equivalent jobs, Family and Medical Leave Act (FMLA), Independent authoritative source survey, Industry, Master's or higher degree in a specialty related to the intended employment, Material fact, Nonproductive status, Occupation, Period of intended employment, Prevailing wage, Required wage rate, Similarly employed, Specialty occupation, Specific employment in question, The Occupational Information Network (O*NET), Wage rate
OES is the Occupational Employment Statistics survey conducted by DOL, Bureau of Labor Statistics (BLS), available on line.
- Browse Related Terms: Administrator, Debarment, Department and DOL, Division, Occupational Employment Statistics (OES), Reasonable cause, Wage and Hour Division (WHD), Willful violator, Working conditions
All > Business > Real Estate > Superfund
The mission of the Occupational Safety and Health Administration (OSHA) is to save lives, prevent injuries and protect the health of America's workers. To accomplish this, federal and state governments must work in partnership with the more than 100 million working men and women and their six and a half million employers who are covered by the Occupational Safety and Health Act of 1970.
- Browse Related Terms: Department of Defense (DOD), Department of Energy (DOE), Department of Transportation (DOT), Environmental Protection Agency (EPA), Federal Facilities Restoration and Reuse Office (FFRRO), Natural Resources Damage (NRD), Occupational Safety and Health Act (OSHA), Office of Enforcement and Compliance Assurance (OECA), Office of Pesticide Programs (OPP), Office of Solid Waste (OSW), Resource Conservation and Recovery Act (RCRA), Safe Drinking Water Act (SDWA)
Also listed in:
- All > Law > Common Legal Terms
All > Business > Real Estate
A room, or enclosure and accessory installations thereof, which are intended for human occupancy or habitation
- Browse Related Terms: Amenity, Bracket Sign, Landscape improvement, maintenance costs, Mature tree, Occupiable space, Real property, Story, utility costs
All > Business > Finance > Insurance > Auto Insurance
An event that results in an insured loss.
- Browse Related Terms: Adjuster, Agency, claim, Claimant, Claims Adjuster, Covered Expenses, Deductible, Insured, Insurer, Limits, Loss, Occurrence, Settlement
All > Business > Finance > Insurance > Homeowners Insurance
An event that results in an insured loss.
- Browse Related Terms: Builders Risk, Debris removal, Exclusions, HO Forms, Liability, Named perils, Occurrence, Peril, Proof of loss, Residual market, Sewer Back-up and Sump Pump Overflow Coverage
A number of shares which is less than a board lot.
- Browse Related Terms: capital stock, common shares, equity, long, Odd lot, Prospectus, securities act, shares
All > Business > Finance > Personal Finance
The purchase or sale of securities in quantities of fewer than the standard trading lot - 100 shares of stock or $1,000 worth of bonds - is considered an odd lot.
At one time, trading an odd lot might have cost you a slightly higher commission, but in the electronic trading environment that's generally no longer the case.
- Browse Related Terms: Arbitrage, Balance of trade, Decimal pricing, Downtick, Efficient market, Moving average, Odd lot, Round lot, Xenocurrency
All > Business > Finance > Personal Finance
Transactions in New York Stock Exchange (NYSE) listed securities that aren't executed on a national exchange are known as off-board transactions.
Those trades may be handled through an electronic market, such as the Nasdaq Stock Market, through an electronic communications network (ECN), or internally at a brokerage firm. The term off-board derives from the fact that the NYSE is colloquially known as the Big Board.
- Browse Related Terms: Electronic communications network (ECN), Fourth market, Instinet, National Association of Securities Dealers Automated Quotation System (NASDAQ), NYSE Arca, Off-board, Secondary market, Third market
All > Business > Finance > Personal Finance
The offer is the price at which someone who owns a security is willing to sell it. It's also known as the ask price, and is typically paired with the bid price, which is what someone who wants to buy the security is willing to pay. Together they constitute a quotation.
- Browse Related Terms: Crossed market, Dutch auction, Market order, National Market System (NMS), Noncompetitive bid, Offer, Order imbalance, Order protection rule, Small order execution system (SOES), Specialist, Spoofing, Tender offer, Toehold purchase
All > Business > Real Estate
A formal bid from the homebuyer to the home seller to purchase a home.
Indication by a potential buyer of a willingness to purchase a home at a specific price; generally put forth in writing.
- Browse Related Terms: acceptance, affidavit, Asking Price, Assumable Mortgage, Assumption Clause, Assumption Fee, Assumption of mortgage, Bona fide, Creative financing, Disclosures, Earnest Money, Fair market value, HUD-1 Settlement Statement, non-assumption clause, Offer, Owner Financing, prorate, Rescission, Sale-Leaseback, Seller Take-Back
All > Business > Finance > Personal Finance
The offering date is the first day on which a stock or bond is publicly available for purchase. For example, the first trading day of an initial public offering (IPO) is its offering date.
- Browse Related Terms: Floating an issue, Go public, Gross spread, Hot issue, Lock-up period, New Issue, Offering date, Offering price, Oversubscribed, Reverse merger, Secondary offering, Startup
All > Business > Finance > Personal Finance
A security's offering price is the price at which it is taken to market at the time of issue. It may also be called the public offering price.
For example, when a stock goes public in an initial public offering (IPO), the underwriter sets a price per share known as the offering price. Subsequent share offerings are also introduced at a specific price.
When the stock begins to trade, its market price may be higher or lower than the offering price. The same is true of bonds, where the offering price is usually the par, or face, value.
In the case of open-end mutual funds, the offering price is the price per share of the fund that you pay when you buy.
If it's a no-load fund or you buy shares with a back-end load or a level-load, the offering price and the net asset value (NAV) are the same. If the shares have a front-end load, the sales charge is added to the NAV to arrive at the offering price.
- Browse Related Terms: Floating an issue, Go public, Gross spread, Hot issue, Lock-up period, New Issue, Offering date, Offering price, Oversubscribed, Reverse merger, Secondary offering, Startup
All > Business > Real Estate > Superfund
EPA's Office of Air and Radiation (OAR) deals with issues that affect the quality of our air and protection from exposure to harmful radiation. OAR develops national programs, technical policies, and regulations for controlling air pollution and radiation exposure.
- Browse Related Terms: Agency for Toxic Substances and Disease Registry's Hazardous Substance Release/Health Effects Database (ATSDR-HazDat), Chemical Emergency Preparedness and Prevention Office (CEPPO), Emergency Planning and Community Right-to-Know Act (EPCRA), Federal Insecticide, Fungicide, and Rodenticide Act (FIFRA), Office of Air and Radiation (OAR), Office of Pollution Prevention and Toxics (OPPT), Office of Prevention, Pesticides and Toxic Substances (OPPTS), Office of Science Coordination and Policy (OSCP), Risk Management Plans (RMP), Toxic Release Inventory (TRI), Toxic Substances Control Act (TSCA)
All > Business > Real Estate > Superfund
The Office of Enforcement and Compliance Assurance (OECA) is responsible for ensuring the compliance of the regulated community with Federal environmental statutes. To achieve that goal, OECA employs an array of approaches including regulatory enforcement, compliance assistance, and compliance incentives.
- Browse Related Terms: Department of Defense (DOD), Department of Energy (DOE), Department of Transportation (DOT), Environmental Protection Agency (EPA), Federal Facilities Restoration and Reuse Office (FFRRO), Natural Resources Damage (NRD), Occupational Safety and Health Act (OSHA), Office of Enforcement and Compliance Assurance (OECA), Office of Pesticide Programs (OPP), Office of Solid Waste (OSW), Resource Conservation and Recovery Act (RCRA), Safe Drinking Water Act (SDWA)
Office of Foreign Labor Certification is the office within the Employment and Training Administration (ETA) of the U.S. Department of Labor that certifies foreign labor applications for employers seeking to bring foreign workers into the United States for employment.
- Browse Related Terms: Administrative Law Judge (ALJ), Attorney General, certification, Certifying Officer, Chief Administrative Law Judge (Chief ALJ), Employment and Training Administration (ETA), National Processing Center (NPC), Office of Foreign Labor Certification (OFLC), Office of Workforce Security (OWS), Secretary, State Employment Security Agency (SESA), State Workforce Agency (SWA)
All > Business > Finance > Personal Finance
The Office of Government Ethics exercises leadership in the executive branch to prevent conflicts of interest on the part of Government employees, and to resolve those conflicts of interest that do occur. In partnership with executive branch agencies and departments, OGE fosters high ethical standards for employees and strengthens the public's confidence that the Government's business is conducted with impartiality and integrity.
- Browse Related Terms: Blind trust, Certificate of Divestiture, Ethics Agreement, Office of Government Ethics (OGE), Prohibited Source, Qualified Trusts, Recusal, Senior Legal Counsel (SLC), Waiver
All > Business > Real Estate > Superfund
The Office of Pesticide Programs (OPP) regulates the use of all pesticides in the United States and establishes maximum levels for pesticide residues in food, thereby safeguarding the nation's food supply. One non-regulatory effort underway is the Pesticides Environmental Stewardship Program, a voluntary private and public partnership dedicated to reducing pesticide use and risk.
- Browse Related Terms: Department of Defense (DOD), Department of Energy (DOE), Department of Transportation (DOT), Environmental Protection Agency (EPA), Federal Facilities Restoration and Reuse Office (FFRRO), Natural Resources Damage (NRD), Occupational Safety and Health Act (OSHA), Office of Enforcement and Compliance Assurance (OECA), Office of Pesticide Programs (OPP), Office of Solid Waste (OSW), Resource Conservation and Recovery Act (RCRA), Safe Drinking Water Act (SDWA)
All > Business > Real Estate > Superfund
The Office of Pollution Prevention and Toxics (OPPT), formerly the Office of Toxic Substances, was formed in 1977 with the primary responsibility for administering the Toxic Substances Control Act (TSCA). This Law covers the production and distribution of commercial and industrial chemicals in the United States, and OPPT has the responsibility for assuring that chemicals made available for sale and use in the United States do not pose any adverse risks to human health or to the environment.
- Browse Related Terms: Agency for Toxic Substances and Disease Registry's Hazardous Substance Release/Health Effects Database (ATSDR-HazDat), Chemical Emergency Preparedness and Prevention Office (CEPPO), Emergency Planning and Community Right-to-Know Act (EPCRA), Federal Insecticide, Fungicide, and Rodenticide Act (FIFRA), Office of Air and Radiation (OAR), Office of Pollution Prevention and Toxics (OPPT), Office of Prevention, Pesticides and Toxic Substances (OPPTS), Office of Science Coordination and Policy (OSCP), Risk Management Plans (RMP), Toxic Release Inventory (TRI), Toxic Substances Control Act (TSCA)
All > Business > Real Estate > Superfund
EPA's Office of Prevention, Pesticides and Toxic Substance (OPPTS) plays an important role in protecting public health and the environment from potential risk from toxic chemicals for now and for generations to come. OPPTS promotes pollution prevention and the public's right to know about chemical risks. Dealing with emerging issues like endocrine disrupters and lead poisoning prevention are top priorities.
- Browse Related Terms: Agency for Toxic Substances and Disease Registry's Hazardous Substance Release/Health Effects Database (ATSDR-HazDat), Chemical Emergency Preparedness and Prevention Office (CEPPO), Emergency Planning and Community Right-to-Know Act (EPCRA), Federal Insecticide, Fungicide, and Rodenticide Act (FIFRA), Office of Air and Radiation (OAR), Office of Pollution Prevention and Toxics (OPPT), Office of Prevention, Pesticides and Toxic Substances (OPPTS), Office of Science Coordination and Policy (OSCP), Risk Management Plans (RMP), Toxic Release Inventory (TRI), Toxic Substances Control Act (TSCA)