Why is an appraisal required? An appraisal is an estimate of the value of a property. An estimate of the value of the property generally refers to its fair market value. The purpose and use of appraisals include transfer of ownership, financing and credit, taxation, condemnation, insurance and many others. An appraiser is typically a state-licensed individual trained to render expert opinions concerning property values. Authorized by Congress, The Appraisal Foundation sets minimum standards for ...
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Phishing the Regulators By William Cate Scams evolve. Combining aspects of successful scams often creates more effective swindles. In 2005, swindlers have combined three classic scams and seem to have a moneymaker that works on the unwary middle-class with money in the bank. The three core swindles are: PHISHING Phising [fish' - ing] is the creation of a replica website of a major financial firm's Web page. Spam is used to notify everyone that their account with the bank or financial service ...
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Sabanes and the Cost of Going Public in America by William Cate Cost Rising Rapidly A recently published study by Foley & Lardner show that the Sabanes-Oxley Act of 2002 increased the costs of being an American public company in 2004 by about 33%. It's tripled the costs of taking a U.S. Domestic Company public in the United States. GAAP Audit fees account for most of the cost increase. Due to Section 404, the average GAAP audit is now about $1 million. This means that GAAP audit costs are up ...
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We all know when you go on a trip to another country; you need to take some travelers checks and some cash in the currency of that country. This can be advantageous because one country's currency is usually worth more or less than the other. So your 100 USD could be worth 130 Canadian dollars, giving you more purchase power. Currencies of countries rise and fall in valued over time, similar to the stock market. The reasons are usually economic and political. You may think though that similar to ...
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Vermont has always been a state sticking to independent principles. Tucked away in the Northeast, Vermont real estate is a very good deal. Vermont From the first day of existence, Vermont has always had a major independent streak. The first state to outlaw slavery, Vermont actually refused to join other states in the formation of the United States. Eventually becoming the fourteenth state in the Union, Vermont maintains a strong independent streak with the first same sex marriage laws, the ...
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Every morning I get a great workout. Of course, it is only my index finger that is receiving the benefits of that workout - deleting spam and unwanted emails from my inbox. Just like you, each morning I am deluged with dozens of unsolicited emails. Of course, in my opinion, I think that society makes more out of spam than it needs to. It takes all of a minute or so to delete those unwanted spam emails. Before the Internet, we all received "spam" in our mailboxes at home. But Congress doesn't ...
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Copyright is the writer's security blanket. It just makes you feel better to know your words are protected. I once knew a writer who was so scared his work would be stolen, he never sent it anywhere. Talk about counterproductive! But if you can understand these four simple copyright keys, you can rest easy and submit at will. 1. Create! That's all you have to do to copyright something: write it. You don't have to publish it and you don't have to register it with the United States Copyright ...
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strong>Post-Nasal Drip Post-nasal drip is the sensation of liquid or mucous buildup in the back of the throat. Post-nasal drip is caused by drainage from the nasal cavities into the back of the throat. Though post-nasal drip is a normal everyday occurrence, failure to rinse or flush nasal cavities on a regular basis may allow the buildup to remain and fester, causing a long list of other health complications. In reviewing the possible complications of unchecked post-nasal drip, this article ...
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