Balance Sheet Basics. Your balance sheet (sometimes called a statement of financial position) provides a snapshot of your practice's financial status at a particular point in time. This financial statement details your assets, liabilities and equity, as of a particular date.
Home Valuation Code of Conduct (HVCC) rules go into effect on May 1, 2009. Freelance reporter Marcie Geffner for Bankrate.com had a story picked up by the Seattle Times' titled  New appraisal rules may hurt home buyers  with respect to the Home Valuation Code of Conduct (HVCC) which goes into effect on May 1, 2009.reelance reporter Marcie Geffner for Bankrate.com had a story picked up by the Seattle Times' titled  New appraisal rules may hurt home buyers  with respect to the Home Valuation Code of Conduct (HVCC) which goes into effect on May 1, 2009.
The Kyoto Protocol was negotiated in Kyoto, Japan, in December 1997. It was opened for signature on March 16, 1998, and closed a year later. Under terms of the agreement, the Kyoto Protocol would not take effect until 90 days after it was ratified by at least 55 countries involved in the UNFCCC. Another condition was that ratifying countries had to represent at least 55 percent of the worldâs total carbon dioxide emissions for 1990.