Adjusted gross income

In the U.S. tax system, adjusted gross income means your total gross income minus specific deductions. Gross income includes all income from all sources and is reduced by certain items to arrive at adjusted gross income, and these includes:

1. Expenses of carrying on a trade or business including most rental activities (other than as an employee)
2. Certain business expenses of teachers, reservists, performing artists, and fee-basis government officials,
3. Health savings account deductions,
4. Certain moving expenses
5. One-half of self-employment tax,
6. Allowable contributions to certain retirement arrangements (SEP IRA, SIMPLE IRA, and qualified plans) and Individual Retirement Accounts (IRAs),
7. Penalties imposed by financial institutions and others on early withdrawal of savings,
8. Alimony paid (which the recipient must include in gross income),
9. College tuition, fees, and student loan interest (with limitations and exceptions),
10. Jury duty pay remitted to the juror's employer,
11. Domestic production activities deduction, and
12. Certain other items of limited applicability.

cover for

To hide someone's wrongdoing from someone else, by lying for them.
If I go to the party tonight, will you cover for me? Just tell mom that we're studying for the exam.

Temporarily, doing the work in place that someone else usually does, because they are not there.
Joanna, will you cover for me for one hour, I gotta go to the kid's school.

No-go zone

A place that is not appropriate to go (now).
Honey, the toilet is officially a no-go zone right now.

No-go zone

A "no-go zone" (or "no-go area") is an area that has notoriety for violence and crime which can be dangerous for people to go there, barricaded off to civil (such as police) or military authorities usually by a paramilitary organization.


SSD (Solid State Drive) is a non-volatile memory built on solid state architecture. Unlike a HDD, an SSD has no moving parts which gives it advantages such as faster reading and writing data, while a traditional hard disk drive consists of a spinning disk with a read/write head on a mechanical arm called an actuator.

The Life Span of an SSD

Life span depends on storage types of SSD drives. But, simply put, the more storage cells an SSD owns, the longer it will work.

Life span Forecast Formula for SSDs:
(Write cycles x Capacity) / (SSD Factor x Data Per Year)

The SSD factor specifies the rate of the real amount of data to the actual data written. For the calculation, one chooses a high value of 5. In addition, the amount of data that is written on the drive per year is estimated. If an estimation is difficult, then you can choose a value between 1,500 and 2,000GB.


SEO is an abbreviation for "Search Engine Optimization" and refers to methods used to increase the number of visitors of a website by improving its rankings in the search results. Any traffic that you do not have to pay for, such as traffic from search engines is called "organic traffic".

Trying to manipulate rankings using SEO techniques which are considered as artificial is called black hat SEO and can be affected by a penalty which may result in the drop of rankings all across the site.

Google dominates search market and rank websites in their search engine results by using an algorithm called PageRank. According to Google, PageRank works by counting the number and quality of links to a page to determine a rough estimate of how important the website is. The underlying assumption is that more important websites are likely to receive more links from other websites.

Here is a study by ahrefs that describes how "On Page SEO" and backlink factors correlate with rankings:

Backlink Factors vs. On Page Factors:

Today, most people are searching on Google using a mobile device. In November 2016, Google announced a major change to the way crawling websites and started to make their index mobile-first, which means the mobile version of your website becomes the starting point for what Google includes in their index. It is not a mobile-only index, for instance, if a site doesn’t have a mobile-friendly version, the desktop site can still be included in the index.


It is the final decision of a court of law.
The defendant is now waiting for the judgment.


Judgment is the act or instance of judging. It is your opinion about something that you have or express after you thought about it.

British spelling: "judgement"


It is the final decision of a court of law.
The defendant is now waiting for the judgement.


Judgement is the British spelling of judgment, meaning act or instance of judging. It is your opinion about something that you have or express after you thought about it.


A point at which parts of two bones or elements of a skeleton join.


In slang, "Joint" means a rolled cigarette that contains marijuana.


1. (Noun) A connection point at which parts of more than one items are joined.
2. (Adjective) Shared by two or more people. For example, a joint bank account.


Quora is a question and answer website that its users can collaborate by asking, or answering questions that have been submitted by other users. The company was co-founded by former Facebook employees Adam D'Angelo and Charlie Cheever and is located in Mountain View, California.

How did Quora get its name?

At first glance, it looks like Quora is an abbreviation for "Question or Answer". However, Cheever stated that 'I associate it with "quorum" or public congregation. We read some piece by Rich Barton about coming up with names for services. We spent a few hours brainstorming and writing down all the ideas that we could think of. The closest competition that Quora had was "Quiver" but we eventually settled on Quora'.


A complete list of items that are classified according to a particular scope.
An inventory of species of insects that communicate using vibrations.
An inventory of pending products; or an inventory of products in stock.


In real estate, inventory means that any property held by an individual or entity for future sale or use, and is a record of all of a taxpayer's personal property. This record will also include how much was paid for each property and when, along with each property's current market value. Taxpayers use this record to calculate gain/loss on sale of property.


Inventory is a detailed listing of the stock-in-trade of a business. Inventory types typically can be grouped under three classifications: raw material, work in progress, and finished goods.

1. Raw materials: Goods that are used in the production as a source material.
2. Work in progress: All the materials that are being processed.
3. Finished goods: Completed goods that are ready for sale.

Start rate

Start rate is the beginning interest rate of an adjustable-rate mortgage (ARM) loans, it is the interest rate for the first period, as the ARM rate will be adjusted in subsequent periods. The start rate is usually lower than current market rates, in order to help the applicant qualify for a larger loan amount.

3-2-1 and 2-1 buydowns are two common mortgage buydown structures. In a 3-2-1 buydown, the buyer obtains a lower interest rate for the first three years. In a 2-1 buydown, reduction is only available for the first two years.