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.
Since that time, the treaty has been amended to ban CFC production after 1995 in the developed countries, and later in developing. Today, over 160 countries have signed the treaty. Beginning January 1, 1996, only recycled and stockpiled CFCs will be available for use in developed countries like the US. This production phaseout is possible because of efforts to ensure that there will be substitute chemicals and technologies for all CFC uses. IX. Will the ozone layer recover?