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  2. Collective agreement coverage - Wikipedia

    en.wikipedia.org/wiki/Collective_agreement_coverage

    Collective agreement coverage or union representation refers to the proportion of people in a country population whose terms and conditions at work are made by collective bargaining, between an employer and a trade union, rather than by individual contracts.

  3. Union density - Wikipedia

    en.wikipedia.org/wiki/Union_density

    whether collective agreements to create a closed shop or allow automatic enrollment in union membership are lawful whether the government, for instance through a Ministry or Department of Labour , actively promotes collective agreement coverage with a power to impose terms if employers refuse to bargain with the workforce

  4. Collective bargaining - Wikipedia

    en.wikipedia.org/wiki/Collective_bargaining

    In Sweden the coverage of collective agreements is very high despite the absence of legal mechanisms to extend agreements to whole industries. In 2018, 83% of all private-sector employees were covered by collective agreements, 100% of public sector employees and in all 90% (referring to the whole labor market). [14]

  5. Mortgage Jargon in Simple Terms - AOL

    www.aol.com/news/2010-09-14-guide-to-mortgage...

    mortgage document More often than not, you're dealing with terms and conditions on various mortgage types that may be so difficult to understand that you just want to pull out your hair.

  6. 3 steps to calculate your debt-to-income ratio - AOL

    www.aol.com/finance/3-steps-calculate-debt...

    Mortgage: $1,600. Auto loan: $300. Minimum credit card payments: $300. Student loan: $200. Total monthly debts: $2,400. Step two: Add up your monthly gross income. Next, add up your monthly gross ...

  7. What is a debt-to-income ratio for a mortgage? - AOL

    www.aol.com/finance/debt-income-ratio-mortgage...

    Key takeaways. Your debt-to-income (DTI) ratio is a key factor in getting approved for a mortgage. The lower the DTI for a mortgage the better. Most lenders see DTI ratios of 36 percent or less as ...

  8. Sectoral collective bargaining - Wikipedia

    en.wikipedia.org/wiki/Sectoral_collective_bargaining

    Sectoral collective bargaining is an aim of trade unions or labor unions to reach a collective agreement that covers all workers in a sector of the economy, whether they wish to be a part of a union or not. It contrasts to enterprise bargaining where agreements cover individual firms.

  9. Collective agreement - Wikipedia

    en.wikipedia.org/wiki/Collective_agreement

    A collective agreement, collective labour agreement (CLA) or collective bargaining agreement (CBA) is a written contract negotiated through collective bargaining for employees by one or more trade unions with the management of a company (or with an employers' association) that regulates the terms and conditions of employees at work. This ...