Cloche is a cover to protect plants from bad weather–made of glass or plastic. Cloches and hot caps can be used to protect individual plants or a few plants at a time. A cloche or hot cap used at the beginning or end of the growing season when there are big swings in the daytime
Chop plant debris to turn under or compost Clean the garden of plant debris and decaying vegetable matter at the end of the season to be sure insect pests and plant diseases do not overwinter in your garden. At the end of harvest or after the first hard frost, clean the garden and compost plant
What Is Apple iOS? Apple (AAPL) iOS is the operating system for iPhone, iPad, and other Apple mobile devices. Based on Mac OS, the operating system which runs Apple’s line of Mac desktop and laptop computers, Apple iOS is designed for easy, seamless networking between a range of Apple products. Key Takeaways Apple iOS is
What Is Apple Pay? Apple Pay is a mobile contact payment system and digital wallet service that Apple Inc. introduced in 2014. The service allows users to pay for products and services using near field communication (NFC) at the point of sale whether in person via iOS apps or remotely over the Internet. Apple Pay
What is Appleton Rule? The Appleton Rule requires every insurer in New York to abide by its state law, even when they conduct business in other states. KeyTakeaways The Appleton Rule is a regulation that requires every insurer in New York to abide by its state law, specifically the New York Insurance Code, even when
What Is the Applicable Federal Rate (AFR)? The applicable federal rate (AFR) is the minimum interest rate that the Internal Revenue Service (IRS) allows for private loans. Each month the IRS publishes a set of interest rates that the agency considers the minimum market rate for loans. Any interest rate that is less than the
What Is an Application Programming Interface (API)? An application programming interface (API) is a set of programming codes that queries data, parse responses, and sends instructions between one software platform and another. APIs are used extensively in providing data services across a range of fields and contexts. APIs have become increasingly popular tools, with the
What Is an Application of Retention? An application of retention is a contractual clause included in many insurance policies. The purpose of the clause is to specify what portion of any potential damages will need to be paid for by the policyholder. Damages in excess of this retained portion would then be covered by the
What Is Apportionment? Apportionment applies to many contexts. Where insurance is concerned, an apportionment is the allocation of a loss between all of the insurance companies that insure a piece of property. This allocation is used to determine the percentage of liability held by each insurer. For example, three insurers that each cover $60,000 on a $120,000
What Is an Appraisal? An appraisal is a valuation of property, such as real estate, a business, collectible, or an antique, by the estimate of an authorized person. The authorized appraiser must have a designation from a regulatory body governing the jurisdiction of the appraiser. Appraisals are typically used for insurance and taxation purposes or
