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merrickpropertyau · 3 years

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Real Estate Agents Vs Property Valuers

Property Valuers are usually brought into your house or business to assess the value of it. This is normally done in several different ways. This is because there are some different influencing factors that have to be looked into. These include the price of the property, location of the property, its worthiness and even your personal circumstances. In most cases, if you are going to hire a Property Valuer, you are also going to have to pay him or her for their services.

There are a lot of people who believe that hiring a property valuer is not very expensive. However, this could not be further from the truth. Just like a mortgage, the prices that you will be quoted for the sale of your property depends on the method that your property valuer uses. Other than that, there are still other things that the property valuer would do for you.

They usually take notes of important information about the property that they see. Some property valuers will do this for free. If they don't take notes, then they won't be able to give you an accurate valuation. When a note is taken, the amount of money that you will have to pay will also go down. However, the amount of money that you will pay is based on how good the service of your property valuers is.

If you are going to hire the services of a professional real estate office near me, then you can rest assured that you will not have to worry about anything when it comes to the property valuation. The best thing that you can do if you want to know more about the process of a Property Valuer is to get a copy of the commercial property valuation report. This report will show you the value of your property and how it compares to other properties in your area. It is very important to compare the valuation report with your expectations. This will help you determine if the commercial property valuation that your property valuers gives you is as high as what you expected it to be.

You can also ask for a copy of the commercial property valuations that were done for your house, flat or building. Get all the reports that you can from the different property valuers so that you will have an idea of what you need to do. There are different ways on how you can get the reports. Some people would hire an estate agent to help them out. Other than that, you can also go online and search for the information. However, if you're looking for fast and accurate results, then it is recommended that you use the service of the property valuers.

Now, you can understand why it is important that you have the property appraised by a real estate agent. Because if you are going to use a real estate agent to get the appraisal done, they may only give you a rough estimate of the market value. This means that you will not know how high or low the market value is and you might end up overpaying for your property. There are a lot of things that you need to consider when it comes to the property valuators and their services. The best thing that you can do now is to start researching on the different companies and professionals in order for you to get the best service possible.

Merrick Property Group Address: 2/84-90 Old Bathurst Road, Emu Heights, NSW 2750 Phone: (02) 4760 0812 Email: [email protected]

https://goo.gl/maps/AbLXQRNf4ZG3fMQM6

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skgway · 4 years

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1828 Apr., Sat. 26

8 1/2

11 1/4

Breakfast at 10 – At 11 1/2 off with my father down the old bank to H–x [Halifax] – My father went to the office of Messrs Thompson and Stansfield and I to that of Mr. Parker with the papers to make a title to the part of Cabbage lane field to be sold for the new church –

Left with Mr. P– [Parker] the lease and release from Mr. Sowden, Valentine Stead, to my uncle Japhet – Miss (Elizabeth) Lister’s deed making over her property in trust before her marriage – The marriage settlement – The lease for possession from Mr. Watkinson to my uncle Joseph, the conveyance from ditto to ditto of the property – and the probate copy of the will of my uncles Japhet, Joseph, and my later uncle Lister – 9 parchments –

Then to Pearce the church maker – Doing up the gig would be ￡5, to paint it would be 3 guineas additional – Met my father – We went to Northgate – Met this Greenwood – He pointed out how the trees in the walk were going back – Said he would venture to give me ￡100 for all the trees on the land – Thought I, Mr. Keighley has just valued them at ￡55 – Thus said he would give me for any wood 10 percent more than W[illiam] K– [Keighley] had valued it at – If I had ever any wood to fall, advised me to have 2 valuers, 1 from near home 1 from a distance –

Just strode over what would be the quantity of Mr. K– [Keighley]’s land next to mine in Broadsheet – 71 or 72 yards by 18 2/3 yards – My father and I walked down to Lowgate lane to see the oak tree that is to be taken down –

Got home again at 2 1/2 – We had been talking of letting off the upper land – It seemed as if my father’s objection hinged upon having no certain supply of water near the house – Determined to send to James Holt to hear what he said about trying for water in the field above the barn – Sent John to tell Holt to come tomorrow afternoon and with a note to the coach maker to tell him to do up the gig at ￡5 –

Then looked over Mr. Brigg’s cashbook – Read over the purchase deeds of the Godley land etc. etc. and copied Mr. W[illiam] Priestley’s calculations respecting the tithes – Dinner at 6 20/60 – Afterwards wrote the above of today –

Threatening rain yet finish day – A slight shower between 4 & 5 – Read a little of the Gardner’s magazine for this month. Came to my room at 10 –

#anne lister #anne lister code breaker #Shibden Hall 1828

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bhfineart1 · 2 years

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What to look out for when searching for an Art Appraisal Specialist

“Art Valuer” and “Art Appraisal Specialist” are not registered professions, and anyone basically can call themselves art valuer and offer artwork valuations. So how do you find a reliable and knowledgeable art appraisal specialist that you can entrust your fine art appraisal to and be sure that you get accurate artwork valuations? And what do you have to look out for with your particularart appraisals and valuations needs?

An art valuer mayhave worked in the art industry in a variety of roles previously, for example in a commercial art gallery or art dealership, an auction house or as curators in museums, where they have encountered many different types of art. They may also have an academic background in fine arts. So the ways towards being able to provide art valuation services are quite varied.

This leads to a broad spectrum of knowledge in different art forms, for example Old Master paintings or impressionism, modernism, contemporary art and the art of a particular country to name a few. There are also the different media that an art valuer may like to specialise in, like oil paintings, drawings, limited edition prints, sculpture and photography.

In many countries, there are professional associations, that only take on valuer members according to strict criteria and codes of conduct. The Art Consulting Association of Australia for example requires their valuer members to be an art valuer for the Australian Cultural Gifts Program first before they even consider an applicant as a valuer member.

Another very important part is experience in valuing. Years of being exposed to all the different types of art coupled with analytical skills will make an art valuer becoming better and better at their craft over time. For example, Banziger Hulme Fine Art Consultants and their senior art valuer David Hulme have close to 20 years’ experience in assisting clients with up-to-date art appraisals and valuations.

They specialise not only in Australian art, but are also familiar with international art, as they have the background and network to access the relevant information to provide you with solid art appraisals and valuations.

Banziger Hulme Fine Art Consultants are a completely independent art appraisal specialist, ensuring you will receive honest and impartial advice, underpinned by solid research and knowledge of the art market.

A formal art valuation is often the best option when you need to update your home and contents insurance, when you are considering selling art or when you want to make informed decisions on artworks from a deceased estate or property division. You may be looking for an “art valuation near me”, thinking you may need a home visit. In some instances however when only few artworks are involved, a remote art valuation or desktop appraisal may be sufficient, which is often also more cost-efficient. We at Banziger Hulme Fine Art Consultants have catalogued and established art values for hundreds of private clients, companies and institutions, in Australia and overseas. Find out more at https://www.bhfineart.com/art-appraisals-and-valuations/

#Art Appraisal Specialist #art valuation services #fine art appraisal

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adelaidepropertysa · 2 years

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Adelaide Property Valuers Metro 10/108 King William Street Adelaide, SA 5000 61870094446

Adelaide Property Valuers Metro provides professional property valuation services in Adelaide. We provide residential, commercial, and land valuations with a wealth of experience. We offer fast turnaround times and competitive rates.

Adelaide Property Valuers staffs a team of expert commercial and residential property valuers. From the initial consultation to a comprehensive valuation, our team will work with you to ensure that you have all the information you need to make your decision. We pride ourselves on providing professional Adelaide commercial property valuation services tailored to your needs.

Our team of specialists are well trained and experienced in their field with many years of experience to draw on. Our specialized commercial property valuers in Adelaide provide accurate and detailed property valuations with a quick turnaround time. You can rely on our expertise to get the job done right the first time around. Our service are reliable and accurate with competitive pricing. Please contact us today for a free no-obligation quote!

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ukimmigrationmatters · 5 years

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Can you really buy a property with just one click?

By Charles Kelly

Author and creator of Money Tips Podcast

Joseph Kennedy, the father of John F Kennedy, once said that when shoeshine boys were telling him to get into the stock market, he knew it was time to get out. That’s exactly what he did just before the 1929 stock market crash, which was followed by a bear market which lasted for decades.

Sometimes I feel the same about property when everyone seems to be jumping on the bandwagon. Now, there is even a company offering investors a way to buy a buy-to-let property with the click of a mouse.

Can you really buy a property online just like ordering something on Amazon? Well, not quite.

Dot, a Californian company with offices in Manchester, effectively gives you the facility to reserve a property online, leaving completion and the legal work to be done later on.

Investors are told that they can buy one and two bedroomed properties costing up to £200,000 in a “few pain-free minutes”, with just a few clicks, and enjoy a yield of up to 6% pa. Once you have selected a property, the company sends out a computer generated image of what the property would look like when refurbished, without investors needing to visit the site themselves. I guess this would be of more benefit in America where a site visit could involve thousands of miles of travel and even a flight.

The company is currently packaging up to 40 flats in Manchester, Birmingham and Leeds, Cities which it has identified as rental growth areas.

They told the Sunday Times that they expect it “will be completely normal for an investor to acquire, renovate and hold properties without ever visiting them in person”.

After the property has been reserved and Dot has carried out a credit check and verified that the investor is earning at least £30,000 per annum, the company lends investor the money to purchase the property and pay all of the stamp duty and legal costs, plus Dot’s 3% fee – which is £6000 based on a typical £200,000.

The loan, effectively a bridging loan, is offered at 0.6% per month or 7% per annum for 12 months. Investors are required to contribute a minimum 25% deposit.

Dot also sets up a limited company in the investors name, so that tax on the profits will be paid at the corporate rate of 19% rather than personal rates of 20%, 40% or 45%.

After the sale has been legally completed, Dot will offer to refurbish the property for an agreed fee, which can take up to three months.

Before refurbishment starts, the investor takes out a second mortgage with Dot, on the same terms as the first bridge, to cover the interest accrued on the first loan plus the cost of the works.

Note that at this point, the investor has still not paid anything more than their initial 25% deposit.

When the works on the property have been completed, the investor takes out a new long-term mortgage to refinance the first two bridging loans, based on the new higher value of the property. Dot then arranges a mortgage at an annual interest rate of between 2.89% to 3.99% for up to 30 years.

This reflects the higher mortgage rates paid by limited companies. It is still a mystery to me why the mainstream lenders have not got in on the market for lending to limited companies at more competitive rates than those offered by some of the more expensive challenger banks.

Investors are free to arrange their own mortgage and find their own letting agency to manage the property.

Bear in mind that unless the property has dramatically increased in value, you will need a bigger deposit than 25% (you are unlikely to be able to raise much more that 75% and may be lucky to get 70%) to take out the previous Dot loan, fees and refurbishment costs.

Based on their current projections, investors who stay with the company would make £3358 per year from a two-bed property worth £207,000 and rented out for £1000 per month or £12,000 per year. The rent looks a little high to me. A quick search on Rightmove showed that you can rent older 2 bed flats for £575 pcm and the only luxury city centre new-build flats command an asking price near to £1000 pcm.

Based on my calculations, this means investors will only receive less than 40% of the rental income. Mortgage payments, ground rent and service charge of roughly 30% (for insurance, tax reporting services and a management fee) are deducted from the rental income.

That doesn’t sound like a 6% rental yield to me and in in reality is more like 1.76% after costs.

Dot claims it will make it easy for people to purchase a buy to let investment without doing any work or research for themselves. However, nobody is going to do all this for nothing so there are quite lumpy fees and charges involved.

On the face of it, the Dot deal looks like an innovative scheme using technology to make it easy to get into property, but there are drawbacks.

Firstly, the advertised 6% yield is a little exaggerated, even without mortgage costs, when you take into account the hefty management fees. You may argue that any property will involve some sort of management fees, but Dot are selling a buying a package.

Secondly, buying a property remotely is always risky.

Thirdly, much of your profit will be eaten up by bridging loan interest costs, which of course are adding to the profits of Dot.

Fourthly, you are almost totally reliant on this company to fulfil the refurbishment and management and you have very little control over either. If the company releases 40 flats onto the market at once, there is a risk that you may not be able to find suitable tenants.

Finally, and most crucially, the scheme relies on a new higher valuation in order for you to remortgage out of the expensive bridging loan. If your lender’s valuer does not agree with Dot’s higher valuation, or the market dips or Dot just gets it wrong, you may end up having to put in a lot more of your own cash than 25% into the deal in order to get out of the punitive 12-month bridging loan.

The scheme could either be a major flop, leaving hundreds of investors out of pocket, or become the “Uber” of property investment.

In the meantime, I’ll stick to my own research and deals. The best way to get into property is to do your homework and learn from experts.

Word of the Day

Land Registry

Official government body that registers most property titles in England and Wales.

Your solicitor will normally do a search to check ownership as well as registering your interest in the property once you have completed your purchase.

If you would like further details on how to learn about property and become a professional property investor, email [email protected]

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

See also:

How to earn up to 500% higher yields on your investments without high risks

3 Myths of Property Investment

Should you be buying Gold?

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nanatahain · 6 years

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vvaluations · 2 years

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We offer same day service. Please get in touch ASAP.

#Concrete cancer repair cost #Property valuers near me #Property valuer near me #Valstar Valuations

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securedloans1011-blog · 6 years

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Secured Loans - How to Get Quickly Accepted For a Secured Loan and Get a Better Rate

Every time a lender receives a secured loan application form he merely has two areas on which to base his judgement - you and the property. If he can put some tick in both of these boxes then you will get your loan at the good rate. However , it is possible to still get your loan in the event that either you or the property are not A1. This is one of several good things about secured loans, they allow you to obtain a loan as soon as other sources of finance may not be available. Secured loans - Anyone Unfortunately, most things in this day and age are broken down and put straight into boxes and that includes you when you apply for a secured loan. Your own personal boxes will be: o Your employment/ self employment o How a lot of outstanding loans you have o Your usable (free) monthly cash flow o Your credit rating o How you have treated your current (and past if less than 12/ 24 mths) mortgage company Secured loans aid how to improve "you" in the eyes of the secured college loan lender. Most applications for secured loans are made through a brokerage as most lenders do not like to gather all the information needed to process the secured loan. There is also a lot of overhead in this process that prefer the broker to pay for. Secured loans - rule 1 Be sure to find yourself a good secured loan broker. The secured mortgage loan lenders are not going to like me saying this but most brokers are not equal in the eyes of the lender. The higher quality ones earn more money per application and get more secured loans released, as a percentage, than others. These both directly influence you as the more the lender pays the broker the exact less of a fee he will need to charge you and the other explanation is that you are more likely to get you loan paid out (and at quite possibly a lower rate) by using a well established secured loan broker. Secured finance - rule 2 Work with you broker - not necessarily against him. I know it is a pain to keep having to develop paperwork but the more you have, the less pain you may receive when your full loan application reaches the secured loan product lender. Secured loans - rule 3 Go through your on the market income with your broker and get him to explain how the supplier, he is putting you with, is working out your out there income calculation. You might find you get a better rate if you do a minor debt consolidation. If you are self employed but have regular contractual work that you may prove goes back a few years, then you may be able to argue for a a great deal better rate. Self employed applicants for secured loans are usually penalised while using rate as they are considered a high risk. Secured loans - law 4 Your credit rating is nowhere near as important for secured loans as it is intended for personal loans (unsecured). However , it is still important if you want a fine rate. Lenders of Secured loans (like most lenders) dislike to see arrears on a credit report. A credit report will show the bank how you have paid your credit cards and loans over the last one year. It will also show any defaults or county court prosecutions. Most secured loan lenders will ignore one several weeks arrears on most loans as this can be argued that it is merely a late payment. When you start to get to two months or more then you have to have a good (preferably provable) explanation or your rate will start to get north. One thing secured loan lenders hate is present-day arrears when you apply to them for a secured loan. Therefore if you can, make sure your current commitments are up to date when you implement and this will keep your rate down. Secured loans - leadership 5 How you have paid your mortgage is sometimes more important when compared with your credit report as the secured loans lenders see themselves as an file format of your mortgage and the best way they can see if you are going to shell out them is to see how you have paid your current mortgage. Therefore , if you can, make sure your mortgage is up to date when you apply in case you have had any arrears then you will need a good reason to keep your rate down. To speed up you application you were able to receive proof of your last 12 months payments from you mortgage lender along with proof of the outstanding balance. Secured loans - your property Your premises is the security that the secured loan lender has. In the event that all goes wrong and you stop paying and conntacting the secured loan lender then eventually he will rémission your property (although he will not want to as it is creates yet another set of problems for them). So , putting the above cautionary be aware aside, you are putting up your property as security for the refinancce mortgage loan. You are only doing this because it benefits you and you almost certainly fall into one of the following categories: o A lower rate than any other unsecured loans offer o A larger loan than is available by way of other financial sources o You want a loan but your job is questionable or you are self employed o You have have missed a few payments on some credit and the loan charges you are being offered from other sources are unpalatable o Your credit history is poor and you need to put up security to get a financial loan It only makes sense that if you are putting your property up as to safeguard your secured loan then you may as well maximize its cost and get a lower rate. The secured loan LTV (loan to value) is one of the major calculations that will effect the pace you are offered. It is simple to work out: you take your up-to-date outstanding mortgage, add to that the secured loan you are making an application for and divide it by the current value of your property. The reduced the percentage the better rate you should get. So , if you want a lower pace then maximizing the properties value is one of the best ways to attempt it. It might take a little bit of time but you could be paying for the very secured loan for anything from 5 years for you to 25 years so the extra bit of effort could save you a lot of money ultimately. Secured loans - property rule 1 You will almost certainly have got a valuer come round to have a look at your property towards the conclusion of your secured loan application. Valuing property is not a scientific research but an opinion and in this case the the persons whoever opinion counts is the valuers that you have coming round. You cannot know if he has spent most of the day sitting in any traffic jam, had an argument with his children or forgotten the anniversary and what is more you can't do a thing about it. You skill is be friendly and offer him a cup of coffee and ensure you have allocated time for him. Go round the property and suggests any improvements you have made and are going to make. Valuers like to learn that the property is going to be improved as it lessens their potential for getting sued by the secured loan lender in case that they value the property wrongly. Secured loans - property rule only two Before the valuer gets to your property make sure it is looking their best. A small bit of effort will add thousands towards your valuation if the property looks well kept rather than over-tired. First impressions count so make sure the front and entrance area is spotless, try and put any junk away to really make the rooms look bigger and also try to finish those work opportunities that were half started and never quite completed. Secured loans instant property rule 3 As previously stated, the property importance is an opinion so you need to make sure that the valuers opinion could be the correct one. All valuers will contact local realtors to see what is selling in the market near your property. It would be to your great advantage if you contacted the estate agents and got comparable properties which might be on the market and recent sales. You can then decide which of your collection you desire to give the valuer (or you can send them on to your own personal broker but this is not quite as good as giving them to the valuer). Human nature being what it is, your comparables will probably fall into the valuers file and he will take these into account when ever valuing your property.

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valuationsvicau-blog · 7 years

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Valuations VIC provides top Property Valuation services in Melbourne and near

Hello and welcome to Valuations VIC the principal here at Valuations VIC valuation office Melbourne number one valuation and advisory service you know as a degree qualified property value with over 20 years of experience when you have a question about a real estate matter then we are the person that can help answer that question for you Valuations VIC valuation office works right across the Melbourne and metropolitan area and our expertise includes areas like residential property.

We are provide our valued clients with independent residential property valuations, specialised property valuations, commercial property valuations, property consultancy and general property advice in Melbourne and the greater metropolitan area including, Melbourne CBD, Camberwell, Brighton, Dandenong, Geelong, Sunshine Coast, Glen Waverly and Warragul. We provide valuations for a wide variety of property types.

Valuations VIC apart from the competition simple really when you contact my business you'll be dealing with me direct that's right the business owner so we commend you to have a look across our website at the range of services that we provide we've got something that suits all needs and budgets if you need some more information please download my free guide to understanding a residential property evaluation melbourne or if you're looking for some more information why not have a look at some fat client testimonials again if you've got a question about a real estate matter and you need some assistance then please feel free contact me you're here at Valuations VIC.

To know more about their services, please visit http://www.valuationsvic.com.au/ or send them an email at [email protected]. You can also give them a call at

(03) 9021 2009.

#Property Evaluation Melbourne #Property Valuation Melbourne #Property Valuations Melbourne #Property Valuer Melbourne

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pearljewelryset · 7 years

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( Rapaport Magazine ) - An appraisal report for a piece of jewelry - a seemingly innocuous scrap of paper - costs more than the same weight of gold, but only if it is prepared by a competent professional who pays great attention to details. Although appraisers are not licensed, they have a huge number of rules that must be followed and established by professional appraisal associations and organizations. Their ability to comply with these rules depends on the constant desire to know as much as possible about precious stones, jewelry, metals, manufacturing, processing, fraud, market relations, art history and fashion variability. This is a real vicious circle - although the people issuing the valuation document are not licensed,

According to the definition of the National Association of Jewelry Appraisers (NAJA), valuation is an opinion on the cost for a certain market on a certain date. And the appraisal report describes all the qualitative and quantitative characteristics necessary to draw a conclusion about the cost. The work of the appraiser is mainly to establish all the components, aspects and characteristics of the jewelry, which affect its value, document them in the form of photographs and descriptions and indicate their value.

There is a personal responsibility associated with the activity as an appraiser. Cecilia L. Gardner, President, Chief Executive Officer and General Counsel of the Jewelers Vigilance Committee (JVC), says: "If you become an expert, you are legally responsible for the opinion you are expressing." And either because we live in a litigious world, because there are sellers who want to inflate the price in order to make a deal, or simply because precious stones and jewelry have emotional and historical value in addition to their inherent value, 10 percent of complaints, Coming from consumers in the Jeweler Vigilance Committee, concern evaluation.

PURPOSE OF EVALUATION

Creating even more difficulties for appraisers, carrying out the assessment itself can have many goals. The very first task that an appraiser encounters is to determine the purpose of a specific evaluation before starting work. Score for insurance? Recovery cost? Division of property in divorce? Property valuation? These factors need to be taken into account when the valuer establishes the value of the jewelry, and this should be discussed with the client prior to the evaluation process. Depending on the goal, the appraiser may need to determine the market value, replacement value or cost of implementation. To determine the replacement cost, Is there an identical or similar product? Is the product already in stock or should I look for it? Is the product in auction or in private ownership? Determining the cost of implementation is carried out if someone immediately needs cash. This is the price at which the product can be sold in the near future.

Appraisers become, not born. They invest in the solution of their complex problems knowledge and experience gained in their entire life. Although the evaluation requires a huge amount of scientific knowledge, it also requires a fairly large art, the ability to feel that something is not quite right with the jewelry. The appraiser understands, for example, that when a product has the correct indication that it is "combined" - it is a dishonest business of combining two jewelry pieces together that were not originally connected and never intended to be part of the same piece of jewelry. If the original product has been damaged or lost, for example, a fastener or part of a necklace, and a new element has been added, then the product can no longer refer to any particular "period". On the fastener can be indicated "Cartier" But is the entire Cartier product? Did the items exist during the same historical era? And what does this diamond cut diamond do in decorating the Victorian era? Some inconsistencies reduce the dollar value of the product.

BEGINNING WITH ZERO

Since the moment when the jeweler is in the hand of the appraiser, you need to study it without taking a certificate or even a brand on the product itself. A gold ornament with a 14K mark is simply a product with a 14K mark. The appraiser's business is to determine the actual metal content using an X-ray spectrometer that determines the content of each element in the alloy. If this is a chain or a chain is included in the product, the product is tested at three different locations along the entire length of the chain in order to determine the actual metal content.

The same applies to acts of precious stones, especially diamonds. The appraiser will make a mark about each large precious stone, measuring its weight and measuring with the help of various tools and different techniques. Even the smallest diamonds have to be counted, so Indian-made products with their "micro roads" pose considerable difficulties for the appraiser. If the stones are laid out in rows, they are easier to count, but if there is no ordered pattern and they are simply inserted over the entire surface, it is much more difficult and takes a lot of time. Diamond plates - literally flat polished stone plates - are popular in jewelry nowadays, also present difficulties in measuring and determining the cost.

Sometimes a piece of jewelry is not valuable enough to spend time and money on it for a full evaluation. This can become clear to the appraiser during the initial inspection. It is important for the evaluator to talk openly with the client when this situation arises. The work of the appraiser is paid on an hourly basis and per item per piece; It often happens that a piece of jewelry may not cost the valuer time or the owner spends money on doing the work.

POTENTIAL CONFLICT OF INTERESTS

Another aspect - and sometimes the most important one - is a question of ethics. Is it ethical for a jewelry retailer to evaluate the decoration of one of its customers who wants to sell it? It is unequivocal that the answer is "no". Gardner of JVC says that often buyers "force retailers to evaluate." She advises: refuse. A jewelery retailer not only lacks the specialized knowledge necessary to evaluate jewelry, but there is a huge possibility of conflict of interest when the same person determines the value and, therefore, assigns the price of the product that he plans to buy.

Barry Block, who on his website is called a "jewel expert", says "We do not buy or sell; We only appreciate. There is a conflict of interest for the retailer, "if you deal with both.

To assist those who conduct the assessment, as well as those involved in the industry who work with them, JVC offers J-BAR, an analysis of the evaluation by the commission of jewelers. This correspondence course covers the legal standards applied to the assessments. Gardner says: "The J-BAR course explains the elements of written assessment to the reader", considered by the courts. The material is based on "cases" taken from real court cases. Those who conduct assessments are urged to have insurance, including "errors and omissions." Even the most diligent experts can make a mistake. "Gardner asks the question, when conducting the assessment," Were you fair? Did you conduct it correctly? "And is the person doing the evaluation interested in the end result of the transaction? "If you say something, you have to justify it."

TOOLS OF TRADE

The evaluator must have the knowledge, as well as modern scientific equipment for the assessment, which can be presented in a general court. The main requirement is attestation as a gemologist who has a special education, or a corresponding education in the field of precious stones. But this is only the beginning. Gemological education allows you to tell what kind of stone it is, but, says Gail Brett Levine, executive director of the National Organization of Jewelry Appraisers, "it does not give you an opportunity to set a value." And taking into account the possibilities of various processing methods currently used by dealers of precious stones, identification of the type of stone is only the beginning. According to Levine,

Evaluators support their qualifications through events and courses conducted by their associations. For jewelry appraisers, the main organization is NAJA, the only organization dedicated solely to those engaged in jewelry. The Uniform Standards for Professional Appraisal Practice (USPAP), developed in the 1980s to introduce standards for real estate valuation, include two of the 10 standards related to jewelry. Other associations, including the Appraisers Association of America and the International Society of Appraisers (ISA) deal with personal property and items of fine arts, as well as precious stones and jewelry.

There are also printed sources available to appraisers, including Charles Carmona's Complete Handbook for Gemstone Weight Estimation and the Gems & Jewelry Appraising, written by the late Anna Miller (Anna Miller) and supplemented every 10 years. A very recent addition was made by Levine (Levine). This manual, including charts, tables and graphs, gives assessors various tools for assessing not only the weight of the stones, but also the types of frames and anchorages.

AVOID SECRETS AND SURPRISES

Levine and most of the independent appraisers do their work in front of clients, even if the client is a trusted lawyer or a real estate attorney. The valuer should not expect that someone really knows the contents of the jewelry package purchased by a real estate attorney until the pouch or box is opened and the contents are visible.

Rob Aretz of Gem Appraisers and Consultants, a New York-based jewelry company, writes in a tone of irony: "I prefer someone with me when I inspect the goods. In the will can be indicated what will not be in place when we open the package. " Members of the family could say that the grandmother is going to leave them some fine jewelry, only it turns out that it never existed. There are also several assumptions about the value that can be made on the basis of the circumstances, says Eretz. "It belonged to a wealthy man; It must be valuable. And if it is not valuable, why was it in the bank vault? "

The absence of jewelry is not a new phenomenon. In the history there were stories about portraits, which depicted a fashionable woman occupying a prominent position, on which was a precious decoration created by a portraitist. "Let them look for him when I'm gone," - such an alleged "owner" may have mocked. Then, besides, there are jewels that were in family ownership during life and could be sold by the next generation. For any of these reasons, the evaluator always wants a third party to attend the initial inspection of the goods.

SYNTHETIC DIAMONDS AND SUSPICATIONS

The issue of processing stones is one of the most problematic for appraisers. If there are suspicious inclusions in the stone, visible at a 10-fold increase, Levine suggests contacting the jeweler with the stone so that the stone is removed from the rim and sent to the laboratory for further analysis. Even antique and period-related jewelry can contain stones that seem more valuable than they really are. Every time there is a red stone in the old ornament, people often assume that this is a real ruby, but Eretz says: "Synthetic rubies appeared more than 100 years ago." Diamonds can also be less valuable than they seem. When Levine begins to evaluate, as she herself says, she takes a magnifying glass and looks intently at the diamond. "I'm studying the inside, To see if there is a light haze, unbroken crystals. This indicates that it can be a synthetic diamond. If it has undergone laser drilling, there will be certain signs, as in the case if it was treated with oil or wax. I look outside to see if there are splinters from damage to the surface. " All this reduces the cost of the stone. See https://weddingpearlneecklace.tumblr.com/

Although almost all the diamonds that Levine evaluates are set aside, she says that you can still inspect the girdle. "The rundist will tell you a lot." If the playground is away from the teeth, she says, she can see the stone well. Then she uses her OTDR or polariscope for further research. "Is there tension or inconsistency in the stone at the atomic level? When I start plotting a diamond or a colored stone, I place it under a microscope to see the inclusions. " Then the graph is built as part of the assessment.

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