What Is a Collection Agency? A collection agency is a company used by lenders or creditors to recover funds that are past due, or from accounts that are in default. Often, a creditor will hire a collection agency after it has made multiple failed attempts to collect its receivables. A lender may outsource the debt-collection
What Is Collection-Proof? “Collection-proof” is a term to describe a person who has no income or assets that can legally be seized for debt repayment. In essence, the debtor doesn’t have any assets that a creditor can collect after a court requires the debtor to pay. A creditor who obtains a judgment can attempt to garnish a
What Is Collective Bargaining? The term “collective bargaining” refers to the negotiation of employment terms between an employer and a group of workers. Employees are normally represented by a labor union during collective bargaining. The terms negotiated during collective bargaining can include working conditions, salaries and compensation, working hours, and benefits. The goal is to
What Is the College Level Examination Program (CLEP)? CLEP stands for the College Level Examination Program, a program that enables students to earn college credit for introductory-level courses by achieving satisfactory scores on subject-specific tests. CLEP is administered by College Board, the same company that administers the Scholastic Assessment Test (SAT) required for seeking admission
Wide row-narrow bed planting There are more than two dozen vegetable crops well-suited for planting in narrow beds, also called wide rows. A wide row—or narrow bed—is about 3 feet across, never wider than you can reach to the center of the bed from one side or the other. The wide row-narrow bed means you
Honeydew melon growing vertically on a wire fence. Vertical gardening is growing plants on a support such as a stake, trellis, cage, or fence. Pole beans, peas and tomatoes are commonly grown this way. But other vining crops such as cucumbers, squashes—both summer and winter, and melons can also be grown vertically. Many vining crops
Garden beds warmed by reflected heat A microclimate is a small area with slightly different temperature or climate than the surrounding larger area. Every garden has microclimates; microclimates can be created by hills and low spots, structures and fences, and even the shade of trees or tall plants. You can use the microclimates in your
Canned carrots Vegetables—unlike fruits–are low in acid so it is important to use prescribed methods and equipment when canning the overflow of summer and fall harvest. Use a steam pressure canner for vegetables. Low acid foods must be processed in a pressure canner to be free of botulism and other bacteria, mold, and yeast growth
Thistle A weed is any plant that grows in the garden that you do not want. Weeds steal water and nutrients from vegetable crops reducing yield. Weeds compete with vegetables for sun and provide a refuge for pests and diseases. The best strategy for weed control is to prevent weeds from germinating and eradicate those
Succession plantings for autumn harvest are made in early- and mid-summer. Succession planting is the practice of planting a new crop in the same spot where another crop has just been harvested. Crops for succession planting in early- and mid-summer are cool-season crops—crops that mature and yield best when temperatures average in the 60s and
