Online Payday Loans Online Payday Loans

Archive for March, 2016

World Water Day; Trumping Appraisers

March 22nd, 2016


World Water Day 2016, Water and Jobs

World Water Day began in 1992 when a United Nations Conference on Environment and Development recommended an international observance for water issues.  Accordingly, the UN General Assembly designated March 22, 1993 as the first World Water Day with annual observances held since then.  Each year, UN-Water (the group that coordinates the UN’s efforts on water and sanitation) sets a theme related to current or future problems and this year the theme is “Water and Jobs”.

UN-Water reports that:

“Today, almost half of the world’s workers – 1.5 billion people – work in water related sectors and nearly all jobs depend on water and those that ensure its safe delivery. Yet the millions of people who work in water are often not recognized or protected by basic labour rights. The theme in 2016 — water and jobs — is focusing on how enough quantity and quality of water can change workers’ lives and livelihoods – and even transform societies and economies”.

In his official message for today’s observance, Guy Ryder, the Chair of UN-Water, notes “The fact is that water is work”.  1.5 billion people globally reportedly work in water related sectors.  Water shortages in California and unsafe drinking water in Flint Michigan are just two of the more publicized problems in the U.S. with water issues bubbling to the surface (or not bubbling) in many or most communities.

My first business, prior to appraisal and real estate, was a bottled water and water purification company that I started after college and sold after 10—back breaking—years.  Water is work: whether it be transporting pure water over great distances or analyzing the effectiveness of a particular purification device in removing certain known contaminants.

I became involved in the “water business” during the late 1970’s when Long Islanders first became aware that Grumman Corp.—the local defense contractor responsible for many, many jobs in the post war years—had contaminated the sole source aquifer which provides Long Island’s drinking water.  Forty years later, contamination of the aquifer is again making headline news as reports surface that the contamination plume is much more widespread than previously thought with radioactive isotopes also found, in levels that raise concern.  I suspect that real estate appraisers throughout the U.S. will need to become more versed in water issues during the coming years.  It would not be a surprise to find many appraisers becoming active in the field either through charitable work with non-profits or in a profit making capacity consulting and distributing water purification systems within their communities.

For those appraisers interested in learning more about water issues, here is a link to 7 TED (Technology, Education, Design conferences) talks on water:

Trumping Appraisers

Can some real estate appraisers really be supporting The Donald? or is this just a nasty rumor spread by some really bad AMCs (or by Trump Mortgage? or Trump AMC?).

David Brooks had this to say last week in the New York Times:

“Donald Trump is epically unprepared to be president. He has no realistic policies, no advisers, no capacity to learn. His vast narcissism makes him a closed fortress. He doesn’t know what he doesn’t know and he’s uninterested in finding out. He insults the office Abraham Lincoln once occupied by running for it with less preparation than most of us would undertake to buy a sofa”.

“Trump is perhaps the most dishonest person to run for high office in our lifetimes. All politicians stretch the truth, but Trump has a steady obliviousness to accuracy”.

“He is a childish man running for a job that requires maturity. He is an insecure boasting little boy whose desires were somehow arrested at age 12..Donald Trump is an affront to basic standards of honesty, virtue and citizenship. He pollutes the atmosphere in which our children are raised. He has already shredded the unspoken rules of political civility that make conversation possible”.

“Trump’s supporters deserve respect. They are left out of this economy. But Trump himself? No, not Trump, not ever”.

Appraisers are more united than ever in support of their profession and livelihood.  Appraiser Help and have always been 100% behind appraisers and the appraisal profession.  Whether liberal or conservative, we appraisers have stood together in support of our chosen profession.

Free speech and free elections are wonderful and things never to be taken for granted.  Let’s appreciate how wonderful our country is this election year and keep the level of political discourse within the appraisal community respectable.  We can agree to disagree but still be 100% together in our support for our profession and our country.

By the way, we want to make something else perfectly clear: Appraiser Help and agree with David Brooks.

​​AppraiserNews is a FREE publication, supported by advertising and sales of products designed to help appraisers support and grow their businesses. Please consider supporting us today by seeing what we and our sponsors have to offer.

RedStone Advanced Analytics from Bradford Technologies

AppraiserNews is a FREE publication, supported by advertising and sales of products designed to help appraisers support and grow their businesses. Please consider supporting us today by seeing what we and our sponsors have to offer.

Superior E&O insurance from the Landy Insurance Agency- click here to apply and receive your policy in about two hours!Random online posting: ”What happens if the Universe is not infinite and there is an actual edge…

Appraiser Help’s 2015 Directory of AMCs and National Appraisal Companies is Available for Download at a reduced price!

To help appraisers evaluate how AMCs will work for their appraisal practices, we have compiled this expanded directory of over 275 AMCs and National Appraisal Companies, listing complete, contact information and other details for each company.

If you’re looking to maintain or expand your mortgage appraisal practice, our Directory of Appraisal Management and National Appraisal Companies is a great place to start. Order it today at the reduced price of $49.99 and download it immediately!

Please visit our website now to make your purchase securely or contact us at (877) 434-2825 for more information on this comprehensive directory!

back top

AnchorRates & Dates

Freddie Mac, the Mortgage Brokers Association (MBA) and HSH Market Trends reported rising mortgage interest rates last week.

In their survey on March 17th, Freddie Mac reported that 30-year fixed-rate mortgages increased from 3.68% to 3.73%.  They also noted that last year at this time the 30-year rate was at 3.78%.

Sean Becketti, chief economist of Freddie Mac is quoted in the release as saying:

“Treasury yields increased heading into this week’s FOMC meeting, partially in response to modestly higher inflation readings. 30-year mortgage rates kept pace, rising 5 basis points to 3.73 percent. Nonetheless, at the meeting the Fed confirmed what the market had already concluded and made no change to the Federal funds target. The Fed went further and acknowledged that economic signals have been mixed and that the pace of monetary tightening may be slower than had been assumed at the end of 2015.”

The MBA reported on March 16th (for the week ending March 11th) that 30-year rates with conforming loan balances ($417,000 or less) moved upward, from 3.89% to 3.94%.   The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $417,000) increased from 3.81% to 3.86% while rates for FHA backed mortgages also rose, from 3.71% to 3.77%.

Mortgage applications declined by 3.3% from the previous period.  Refinance applications as a percentage of all applications continued to fall, moving from 56.7% the previous week to 55.0% last week. The FHA share of applications moved down to 11.7% from 12.0% and the VA share dropped from 12.6% to 12.3%.

On March 18th, Market Trends reported that 30-year mortgage increased from 3.78% to 3.82% while rates for FHA-backed mortgages also moved upward, to 3.65% from 3.59%.

Additional information from Freddie Mac can be found by going to: Primary Mortgage Market Survey PMMS – Freddie Mac

Additional information from the Mortgage Bankers Association can be found by going to their site at: Research and Forecasts – Mortgage Bankers Association

Additional information from HSH can be found by going to: HSH.Com

back to top

Appraiser Help has Released its 2015 Directory of AMC’s and National Appraisal Companies. Click the link above to learn more and to download your copy today!

AnchorAsk Angie

Angie would first like to provide the answers to her last contest: Groucho Marx was the author of all three quotes:  “He may look like an idiot and talk like an idiot but don’t let that fool you.  He really is an idiot”; “The secret of life is honesty and fair dealing. If you can fake that, you’ve got it made”; and “Outside of a dog, a book is man’s best friend. Inside of a dog it’s too dark to read”.  Yes, this is the second week in a row where Groucho Marx is the author of the quotes, Angie does like Groucho!

Today’s Questions:

1. Who said: “My theory is 98 percent of all human endeavor is killing time”.
a) Groucho Marx
b) Jerry Seinfeld
c) Merrick Garland
d) None of the above

2. Who said: “My parents didn’t want to move to Florida, but they turned 60 and that’s the law”.
a) Groucho Marx
b) Jerry Seinfeld
c) Marco Rubio
d) None of the above

3. Who said: “To me, if life boils down to one thing, it’s movement. To live is to keep moving”.

a) Groucho Marx
b) Jerry Seinfeld
c) Jane Fonda
d) None of the above

The first to respond with the correct answers win a choice of one of the following:

One Free Regular Listing on

A Free Copy of the 2015 Directory of Appraisal Management Companies (Available to Members of and FREE!)

back to top

AnchorTell us what you think!

We invite your responses to any of the issues raised in this newsletter. Please e-mail us at: with your thoughts!

back to top

AnchorWe really hope you find our newsletter to be informative!  If you have any input on future topics for discussion, please email me your questions and I will do my best to address them in the next issue.  If you want to look back at past issues you can see our archive at


Bill Collins, Appraiser Help Inc.

Appraiser Help Real Estate Appraiser Directory

Appraiser News Homepage

2015 Directory of AMCs and National Appraisal Companies

Landy E&O Insurance Agency

Redstone from Bradford Technologies

FHA Appraiser Directory

FHA Roster . com

Tax Grievance and Tax Appeal Appraiser Directory

Appraiser News on Facebook

AppraiserNews and the AppraiserNews Logo and all original content ©AppraiserHelp, Inc. 2009-2016