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.
VAC was first released with Counter-Strike in 2002, during its initial release, it only banned players for 24 hours. The duration of the ban was increased over time; players were banned for 1 year and 5 years, until VAC2 was released in 2005, when any new bans became permanent. VAC2 was announced in February 2005 and began beta testing the following month.