Yummy, Yummy! Don’t Harsh Our Mellow, Dude!

The UNODC states that cannabis often contains 5% THC content, resin "can contain up to 20% THC content", and that "Cannabis oil may contain more than 60% THC content."

Electronic Dance Festivals

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We Are FSTVL

Colours Fest

Together Festival

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Tomorrowland

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Electronic Dance Music

Trance

Random Room Description Generator

Transgender Priest Preaches At National Cathedral

National Building Museum

Planet Distance vs. Velocity

The Inner Planets Coax The Outer Planets Like The Moon Coaxes Our Tides.

iPhone 4S Computerized Voice Command Personal Assistant, Siri

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Smithsonian American Art Museum

Interagency Appraisal and Evaluation Guidelines

Evaluation Content
An evaluation should contain sufficient information detailing the analysis, assumptions, and conclusions to support the credit decision. An evaluation's content should be documented in the credit file or reproducible. The evaluation should, at a minimum:

• Identify the location of the property.

• Provide a description of the property and its current and projected use.

• Provide an estimate of the property's market value in its actual physical condition, use and zoning designation as of the effective date of the evaluation (that is, the date that the analysis was completed), with any limiting conditions.

• Describe the method(s) the institution used to confirm the property's actual physical condition and the extent to which an inspection was performed.

• Describe the analysis that was performed and the supporting information that was used in valuing the property.

• Describe the supplemental information that was considered when using an analytical method or technological tool.

• Indicate all source(s) of information used in the analysis, as applicable, to value the property, including:

o External data sources (such as market sales databases and public tax and land records);

o Property-specific data (such as previous sales data for the subject property, tax assessment data, and comparable sales information);

o Evidence of a property inspection;

o Photos of the property; o Description of the neighborhood; or o Local market conditions.

• Include information on the preparer when an evaluation is performed by a person, such as the name and contact information, and signature (electronic or other legally permissible signature) of the preparer.


Validity of Appraisals and Evaluations
The Agencies allow an institution to use an existing appraisal or evaluation to support a subsequent transaction in certain circumstances.

Therefore, an institution should establish criteria for assessing whether an existing appraisal or evaluation continues to reflect the market value of the property (that is, remains valid).

Such criteria will vary depending upon the condition of the property and the marketplace, and the nature of the transaction.

The documentation in the credit file should provide the facts and analysis to support the institution’s conclusion that the existing appraisal or evaluation may be used in the subsequent transaction.

A new appraisal or evaluation is necessary if the originally reported market value has changed due to factors such as:

• Passage of time.

• Volatility of the local market.

• Changes in terms and availability of financing.

• Natural disasters.

• Limited or over supply of competing properties.

• Improvements to the subject property or competing properties.

• Lack of maintenance of the subject or competing properties.

• Changes in underlying economic and market assumptions, such as capitalization rates and lease terms.

• Changes in zoning, building materials, or technology.

• Environmental contamination.


Federal Reserve

Affordable Housing Credit

Wikipedia - Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA)


The Appraisal Foundation



My Award Letter


Reasonable Appreciation 2013

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Renewables Gone Awry

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Imagination, Gone Horribly Wrong

WALT DISNEY: My dad, Elias Disney, he owned a newspaper delivery route there. Thousand papers. Twice daily. Morning and evening edition. Elias, he was a tough businessman. A save-a-penny anywhere you can type of fella so he wouldn't employ any delivery boys, he just used me and my big brother Roy. I was eight then-- eight years old. Like I said, those winters were harsh and old Elias didn't believe in new shoes until the old ones were worn right through so--Honestly, Mrs Travers, the snow would be up to here--You'd push through it like wading through molasses. And the cold and the wet would be seeping through the shoes and the skin would be raw and peeling from our faces-- and sometimes I'd find myself sunk down in the snow, waking up, cuz I must've passed out for a moment-- I dunno. Then school, too cold to figure out an equation. And back into the snow so by the time we got home it'd be just getting dark, and every part of you would sting like crazy as it slowly came back to life in the warmth. My mother would feed us dinner and then it'd be time to go out again for the evening edition. 'Best be quick Walt, best be quick or poppa's gonna show you the buckle end again boy.' Now, I don't tell you all this to make you sad Mrs Travers, I don't. I love my life - it's a miracle. And I loved my daddy, boy I loved him. But, there isn't a day goes by where I don't think of that little boy in the snow and old Elias with his fist and strap and I'm just so tired-- I'm tired of remembering it that way. Aren't you tired Mrs Travers? We all have our tales but don't you want to find a way to finish the story? Let it all go and have a life that isn't dictated by a past? It's not the children she comes to save. It's their father. It's your father--? Travers Goff.

PAMELA LYNDON TRAVERS: I don't know what you think you know about me Walter--

WALT DISNEY: You must've loved and admired him a lot to take his name--

PAMELA LYNDON TRAVERS: I--

WALT DISNEY: Mrs. Travers. It's all about him isn't it? All of this. Everything. Forgiveness. It's what I learned from your books.

PAMELA LYNDON TRAVERS: I don't need to forgive my father. He was a wonderful man.

WALT DISNEY: No, you need to forgive Helen Goff. Life is a harsh sentence to lay down for yourself. Give her to me, Mrs Travers. Trust me with your precious Mary Poppins. I won't disappoint you. I swear that every time a person goes into a movie house - from Leicester to St Louis, they will see George Banks being saved. They will love him and his kids, they will weep for his cares, and wring their hands when he loses his job. And when he flies that kite, oh! They will rejoice, they will sing. In every movie house, all over the world, in the eyes and the hearts of my kids, and other kids and their mothers and fathers for generations to come, George Banks will be honoured. George Banks will be redeemed. George Banks and all he stands for will be saved. Maybe not in life, but in imagination. Because that's what we storytellers do. We restore order with imagination. We instill hope again and again and again. Trust me, Mrs Travers. Let me prove it to you. I give you my word.

Hancock, John Lee (Director). (2013). Saving Mr. Banks [DVD]. [Burbank, CA]: Walt Disney Studios.