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.
In some areas of the country, like California, VOC regulations have been in effect since June 1999. have mandated the 55% VOC standard. decrease VOC levels to 55%. Joico and ISO have proactively addressed this regulation by implementing this change now.