Paul R. Henry Real Estate Appraisal has answers to "Frequently Asked Questions"
Paul R. Henry Real Estate Appraisal is always ready to talk to you about any inquiries you might have about appraisals in Hickory and Catawba County. Contact Paul R. Henry Real Estate Appraisal today to see how we can help you with your valuation problems.
Once the assignment has been delivered, how can I have certainty that the value indicated is veritable?
Where does an appraiser get the information used to estimate values in Catawba County or other areas?
The process of creating an appraisal deals with an estimation which leads to an opinion of value. This opinion or estimate is found through the use of a formal method that generally utilizes three "common approaches to value". One of the methods is the Cost Approach - which is what it would cost to replace the improvements, minus physical deterioration and other factors, then adding the land value. The most common approach in figuring the likely sales price of a home is the Sales Comparison Approach which involves figuring a comparison to similar houses nearby. The Sales Comparison Approach is normally the most definitive and best indicator of a liklely sales price for a residence. The Income Approach is generally used for figuring out the market value of income-producing properties based on what an investor would pay based on the amount of income a property would bring in.
An appraiser produces an unbiased and well substantiated opinion of market value, in the support of real estate exchanges. Appraisers summarize their professional analysis in appraisal reports.
To figure out a reasonable price when putting your home on the market.
Appraisers do not do perform home inspections and are not home inspectors. The purpose of a home inspection is to investigate the structure of the property from basement to rooftop. Commonly, a home inspection report will evaluate the amenities and the necessities of the property: air conditioning (weather permitting), electrical services, the condition of the heating system, the plumbing; then the structural integrity of the home such as the attic, exposed insulation, walls, floors, ceilings, windows, then the foundation, basement and visible structures.
To be blunt, it's like comparing opera to country. The CMA utilizes market trends to create most of their business. An appraisal utilizes comparable sales that can be verified by public record. Also, the appraisal verifies other factors like condition, area and building prices. A CMA delivers a "ball park figure." An appraisal delivers a defensible and carefully documented opinion of value.
The person creating the report is hands down the biggest difference between a CMA and an appraisal. A CMA is written by a real estate agent who may or may not be trained in technical valuation concepts or even have a handle on market trends. The appraisal is created by a licensed, certified professional who has made a career out of valuing properties. Further, the appraiser is an independent party, with no vested interest in the value of a home, unlike the agent, whose income is tied to the price of the home.
Pertinent property characteristics, including: location, physical characteristics, legal attributes, economic factors, the real property interest valued, and non-real estate items included in the valuation, such as personal property, permanent equipment installations and even intangible items.
Whether individually or collectively, there were no substantial errors contained in the appraisal, nor any material details left out.
The final appraisal report was clear, sound and conclusive.
To become a state licensed appraiser, there are education requirements as well as real world experience that must be logged. Likewise, appraisers must follow a stringent industry code of ethics and respect national standards of practice for real estate appraisal. The guidelines for carrying out an appraisal and communicating its results are guaranteed by enforcement of the Uniform Standards of Professional Appraisal Practice (USPAP).
Licensing and certification is achieved through classroom study, tests and experience working under a supervisor. Once licensed, he or she must then complete continuing education courses so that the license doesn't expire. To see the specific requirements for any state click here.
Mortgage lenders are an appraiser's typical client, requesting their services to ensure a home involved in a mortgage transaction is enough to cover a loan balance in the case of default. Appraisers also provide opinions for legal settlements, tax matters and investment decisions.
Gathering information is one of the main things an appraiser does. Data can be described as either Specific or General. Specific data is from the home itself; Location, condition, amenities, size and other specific data are gathered by the appraiser during an inspection.
General data is collected from a variety of sources. Local Multiple Listing Services (MLS) have information on recently sold homes that could be used as comparables. To double-check actual sales prices, we research tax records and other public documents that are usually online nowadays. Flood zone data is available from FEMA data outlets, such as a la mode's InterFlood service.
And most importantly, the appraiser assembles general data from his or her past experience in creating appraisals for other houses in the same market.
An appraisal is a worthwhile whenever the value of your home is pertinent to a financial decision. For those selling a home, you'll want to figure out a price that gets you the most profit but also ensures you don't have to wait too long for a buyer to show up; an appraisal can help with that. When buying, be sure you're not overpaying by getting an independent appraisal. If you're engaged in an estate settlement or divorce, it ensures that property is divided fairly. Simply put, a home is often the single, largest financial asset anybody owns. Knowing its true value means you can make wise financial decisions.
PMI stands for Private Mortgage Insurance. PMI guards the lender in the event a borrower doesn't pay on the loan and the market price of the house is lower than what is owed on the loan. Once you can prove the amount you owe on your home is less than 80% of the home's market value, you can make a case to your lender to drop the PMI.
The savings from getting rid of your PMI will make up for the price of the appraisal in no time. Nobody is more qualified than Paul R. Henry Real Estate Appraisal when it comes to analyzing real estate appreciation in Hickory and Catawba County. Contact us today.
We begin with an inspection of the home. What this entails is the appraiser, after setting up an appointment, personally going through the home - recording the layout of the rooms, taking photos and documenting the general condition of its features. On the home's interior, pick up any clutter and make sure we can access things like furnaces and water heaters. In the yard, trim any landscaping so we can be free to get an accurate measurement of exterior walls.
It's different when it's the homeowner engaging the appraiser for things outside securing a mortgage. In these situations, the appraiser may stipulate the purpose of the appraisal; for PMI removal, or estate planning or tax challenges, for example. If not stipulated otherwise, the home owner can do whatever they want with the appraisal.
It really depends on the market. For example, adding a central air conditioner in to a home in the South may add significant value, while putting one in a home near the Pacific Northwest might not have much impact.
No matter where you go, however, renovating a kitchen is almost always a safe move. One recent study revealed that putting $20,000 into a kitchen remodel would add about $17,500 to the value of the home - or about an 88% return on investment. Bathrooms weren't far behind, returning 85%. On the contrary, work that may not increase your value would be painting just for the sake of redecorating.


I envy my husband a bit.
I mean, obviously some days I envy him a lot – he gets to go to work and do things that have nothing to do with parenting. He can have multiple coffees. HOT COFFEES.
Now that my kids are a bit older, looking after them isn't as challenging as it used to be when they were newborns / infants. But I still have rough days, and wish badly I was out of the house, rather than stuck in it.
The joy and excitement of not having seen him the whole day. They can't WAIT to tell him about their day. Or show them something they've done. They sit and wait at our lounge window WATCHING for him to come home. EVERY DAY.
I don't normally get that.
I'm GLAD my husband gets it. He doesn't get to spend every single moment with them like I do. I get loads of other things he doesn't get – so honestly, he needs that.
I don't have those moments that often because I'm ALWAYS with them. And when I leave them with my parents, or my in-laws, and I go to pick them up, they tell me to GO AWAY.
They actually cry when they see me, because they're happy being with their grandparents – now that is awesome. I couldn't ask for a better response in all honesty – because it means they are comfortable and HAPPY there.
But it does mean I don't get the same as my husband … I don't get that really-excited-to-see you response.


Sanskrit Mantras originated from the Vedas in India and are an integral part of Bhakti Yoga, kirtan and chanting. They are perfect musical choices to set the mood for your yoga practice. The mantra music listed here contains traditional mantras and instruments such as the harmonium, tablas, sitar, guitar, drums and more. For questions about the mantras, you can consult our mantra pedia or find the links in the page for See Mantra Info. You can hear many the mantras recited to music and also find the pronunciation in the mantra pages.


text:
A desperate father tries to return home to his pregnant wife after a mysterious apocalyptic event turns everything to chaos.
Genre : Action, Adventure, Mystery, Science Fiction, Thriller
Actors : Forest Whitaker, Kat Graham, Kerry Bishé, Mark O'Brien, Theo James
Director : David M. Rosenthal
Country : Canada, United States of America
Keywords: How It Ends 123Movies , How It Ends Full Movie , How It Ends Online , Watch How It Ends Online , How It Ends yesMovies , How It Ends GoMovies , How It Ends FMovies , How It Ends Putlocker , How It Ends 9Movies , How It Ends SolarMovies , How It Ends Movies25 , How It Ends Watch32
When a sudden plague of blindness devastates a city, a small group of the afflicted band together to triumphantly overcome the horrific conditions of their imposed quarantine.
Genre: Drama, Mystery, Sci-Fi, Thriller
Katniss Everdeen has returned home safe after winning the 74th Annual Hunger Games along with fellow tribute Peeta Mellark. Winning means that they must turn around and leave their family and close friends, embarking on a "Victor's Tour" of the districts. Along the way Katniss senses that a rebellion is simmering, but the Capitol is still very much in control as President Snow prepares the 75th Annual Hunger Games (The Quarter Quell) – a competition that could change Panem forever.
Genre: Action, Adventure, Mystery, Sci-Fi, Thriller
Angel City trooper Jack Deth is sent back in time from 2247 to 1985 L.A. to inhabit the body of his ancestor. Deth's assignment is to find his archenemy, Whistler, who turns people into zombies, before the fiend is able to kill all the ancestors of the future's governing council.
Genre: Action, Sci-Fi
A secret service agent is framed as the mole in an assassination attempt on the president. He must clear his name and foil another assassination attempt while on the run from a relentless FBI agent.
Set in a futuristic world where humans live in isolation and interact through surrogate robots, a cop is forced to leave his home for the first time in years in order to investigate the murders of others' surrogates.
10.0 Earthquake
Los Angeles is about to be hit by a devastating earthquake, and time is running out to save the city from imminent danger.
Genre: Action, Adventure, Drama, Sci-Fi
123Movies Looking for the website to watch movies online for free? Explore 123movies for watching full movies online in high picture quality with no registration or sign up.

redpajama_set_name: RedPajamaCommonCrawl


text:
To eradicate corruption, Malaysia need to drop more on TI's CPI
Transparency International announced it's annual Corruption Perception Index (CPI) for 2016. Malaysia dropped from 54 out of 168 countries for 2015 to 55 out of 176 countries for 2017 [read here].
TI-Malaysia president Datuk Akhbar Satar described the one-point drop as "not much". He said MACC under the new leadership has proven itself to be more effective within a short time of 8 months [read The Star here].
Since CPI is merely a perception index and not a true measure of the level of corruption, then Malaysia is better off dropping further in the ranking of this irrelevant index.
It is not just being cynical or doing a reverse psychology. There are justifications for the better good.
With a higher CPI ranking under Tan Sri Abu Kassim Mohamed, where raids, arrest and charges throughout 2010 to 2016 is infrequent, than lower CPI ranking under Dato Dzulkifli Ahmad, it is seriously flawed.
If that is the case, a lower ranking is preferred because there will be more earnestness on the part of MACC to go after the corrupted - both the takers and givers of bribes.
And, the likelihood of any cover-up is less likely and corruption prevention agency is more concern to do enforcement than bothering about public image and correspondingly, rankings.
Akhbar was a former MACC staff who left to take the academic route. He is clearly short sighted or perhaps, has ulterior motive and playing to the public gallery to suggest MACC should "pay attention" to corrupt politicians.
Politicians cannot commit corruption unless civil servants, particularly senior civil servants, abetted and collude.
For too long a time, there is a perception that top civil servants are untouchable or PTD could exert peer pressure on MACC from investigating top civil servants.
Pursuing politicians alone will never eradicate corruption for the simple reason that it is civil servants that is empowered at the operational level.
Often the time, politicians are forced to "pick the cards they are dealt with".
After there is a certain fear among civil servants to compromise to corruption, then MACC should pursue the politicians all the way back to BMF days in 1983.
Maybe there is truth that those leaving their career to take the academic route are either not impressive or failed in their career.
The problem with measuring corruption based on perception index is that it could be easily misinterpreted.
For instance, having frequent raids and prosecution means the hands of the law is at work to pursue the corrupt.
It could be misinterpreted as more rampant corruption now than before. The converse is a possibility because in the past, enforcement officers could be looking the other way.
The analysis by Akhbar gives the impression that ranking is dependent on MACC activities. If more politicians raided, will perception ranking be any better?
Attitude towards corruption
CPI is also flawed because the sample of perception covers certain segments of public.
In the recent issue raised on corruption activities rampant at golf courses, a recent feedback received is that top civil servants do not take kindly such statements. It stifles the "British tradition" of the civil service.
Among the complaints heard is that MACC had gone overboard for singling out golf as the platform of corrupt activities. They argued other forms of recreation could also be conduit or platform for corruption.
If these complainants had participated in TI's survey and brought the ranking down, then it is good.
The counter argument is best told to this blogger as to have came from a judge and the name shall remain undisclosed. There is a Malay saying, "siapa makan cili dia terasa pedas" (those who ate chillies, taste the heat).
MACC is wrong when NST reported recently that China's Communist Party had done a crackdown on corruption related to golf.
Since 2011, half or 683 golf courses are directed to be closed down. The party issued a ban on its party members to join golf clubs in 2015 [read here].
There are also comments passed by politicians that the frequent raids on corruption is not good for government.
The converse is actually true. So how could we improve corruption if politicians take a solely political angle to something good.
By the way, that view did not come from a ruling party politician but a politician from a former ruling party turned opposition.
It proves they are more concern with perception than seriously eradicating corruption. And contrary to common belief, opposition do not have political will to improve government efficiency.
To analyse TI's CPI in a less cynical manner, CPI is not only measuring MACC but the whole country and public attitude towards corruption.
It is common to hear people complain about corruption but they are generally reluctant to report or even divulge information or leak documents to media.
Despite assurance their identity will be kept hidden, they usually refuse to do so and cited worry for their ricebowl.
They fail to realise that their ricebowl is filled with haram rice!
The public talk and complain of corruption but are not doing anything about it. They go about to mind their own business.
From the perspective of service provider or authorities, there is insufficient political will to improve on their procedures, achieve greater efficiency, and lessen constraints to consumers or users. Too much red tapes gives a perception of corruption.
That is certainly beyond the authorities of MACC. It is also beyond the purview of the top bosses in government. It is the problem with operational level officers.
Inefficiency as a way to take bribes could happen more frequently in the private sector. The recent declassification of BMF papers by CIA highlighted the fact that unjustified loans can be obtained by bribing the Bank's top gun.
Should it really matter to have the perception index down rather than actual measure of corruption, everyone should be playing their role.
Yesterday, MACC raided on Felda to remand and investigate five current and former Felda officials on allegation of corruption. It involved former director-general, ex-deputy director-general (strategic resources), the former operations officer in charge of its sturgeon farming project in Taman Negara, the current head of its London Properties and an assistant administration officer. [Read here]
An Australian firm revealed a Felda subsidiary paid for the employment costs and living expenses of its former deputy director-general's daughter in Australia [read here].
Overhead sources claim MACC will do something on a Tabung Haji subsidiary.
If all these actions will result in lower CPI ranking, so be it. But to make stupid claims like Rafizi had done for political mileage, it is not good [read MMO here].
A wrong decision is a wrong decision. What is important is to have more right decisions than wrong ones. And to learn from the wrong move to not repeat again. To lose RM64 million, it is not embezzlement or corruption.
Out of investment portfolio of RM64 billion, the loss to Tabung Haji is a pittance 0.1% and could be more than compensated for!
I Support SPRM said...
The ranking of Malaysia was affected by the increase of nations in TI's list.
Having said that, if it is not for the aggresive efforts of the MACC under its new leadership, Malaysia would rank at 60.
It proves the unscrupulous and unfounded allegations by Mahathir against the nations leadership on 1MDB & SRC had minimal impact.
With MACC's vigour and determination to combat corruption in Malaysia as well as clear signs that they will continue to into 2017, we could improve in the ranking.
It is a long and hard road ahead for the new Chief Commisioner and his charges.
LETS GIVE OUR FULL SUPPORT SO THAT they never wane in the war against corruption.


The 034EFI RS2 Stage 1+ Chip Tuning Package was developed to be the ultimate chip tuning solution for C4 Audi S4 & S6 (UrS4/UrS6) vehicles that have upgraded to an RS2 turbocharger. This chipset remaps the factory ECU's boost, timing and fueling to match the larger RS2 turbo, providing increased power without sacrificing reliability. The RS2 turbo offers a broad powerband with massive low-end torque, and impressive top-end horsepower.
This tune is recommended for all AAN engines equipped with an RS2 turbo, and utilizes the stock fuel pressure regulator (FPR) and mass airflow sensor (MAF). Does not require upgraded rods or pistons.
If you are only looking for a chip tune, see our RS2 Stage 1+ Chip Tune here.


Through all the different ways it's possible to feel up a pictures. I sampled a photograph against all of the available filters, with and without frames, and tried how I really could reveal my threads through different cultural channels. It taken aback me, also, how quickly I acquired fans after a short time, and needless to say the social media strategist in me wondered how I possibly could use this cool tool for clients. If you're not really acquainted with multiple links instagram, it's an application that works solely with mobile as a photograph discussing program. People may possibly acquire the software and article photographs – untouched or enhanced with filters that provide the pictures a vintage look – to a community feed. As with most social networks, customers can follow each other and like and touch upon pictures. While one can accessibility Instagram feeds through various websites, users can just only put new images through the app. Because launching in late 2010, Instagram can maintain over 30 million listed consumers and the curiosity of Facebook, which has quote to buy the business for one billion dollars. Numerous solutions that enable customers to turn their Instagram photographs in to postcards, stickers, and magnets have also presented within the last few 2 yrs, more solidifying Instagram's influence in mobile. As a business offering product or companies, you might question how you need to use Instagram to your benefit. The app is useful for sharing images, therefore normally your first inclination is always to populate your supply with relevant photographs and inspire loves and comments. The main one problem with Instagram is this one can't url a picture to some other site, so you can not count onto it for website referrals. You can, nevertheless, use the app to get people involved with discussing your brand.
It's essential to notice, too, that Instagram may be incorporated into Facebook pages and multi-purpose Web applications. You are able to put up an Instagram loss on your own Facebook page to take in images with a particular hashtag, and inspire users to tag their photos so that they show. Those who use Hootsuite, for example, can certainly share Instagram photographs through Facebook and Facebook profiles. Present the opportunity for people to generally share your pictures – it produces a good contest that will move viral. As persons turn more to cellular software to talk, your company wants to consider outside the package and use social media to reach people. Play around with Instagram and observe how it may benefit you.
Instagram lead generation is not simple and needs preparing, technique, creativity, and repetition. While old-fashioned strategies to create your company on Instagram function secret, they don't really tend to achieve almost as many people as a good sponsored post. Instagram hasn't rather gone right into a pay-to-play model however, but that doesn't suggest there isn't some serious price in spending to push an article to new people (called "Promoting" on Instagram).
With Instagram your posts can look in the experiences and feed parts of a user's account. If you'd like to choose maybe not to have your post can be found in experiences, then you will need to make use of Facebook's offer manager. Equally are viable choices, however the manager software has far more possibilities than Instagram natively presents therefore if you have admin liberties on the associated Facebook bill and it's linked presently, then it's advisable to make use of the better quality system.
Based on the selection of selling through Instagram or through Facebook Advertisements Supervisor, you'll have large amount of possibilities here. First article your creative. In addition, in the event that you haven't examined our manual to creating your organization on Instagram yet, you should. This may make sure your article is optimized for efficiency before you even begin paying.