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      | Volume 10, Issue V | A Publication of 
ELLIOTT® & Company Appraisers |  
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      | Announcing 
      Appraisals Anywhere With Online Order Tracking |  
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      |   ELLIOTT® & Company Appraisers has offered national coverage in all 50 
      states for some time now, and the response has been very positive. We 
      regularly provide our client base of 4,300 clients with appraisals across 
      the United States through our network of 11 offices and over 1,000 
      appraisers. To improve service, we have developed an Internet-based order system. 
      It is accessible by both our clients and appraisers providing instant 
      feedback capability. With just the click of a mouse on a map, the client 
      is positioned to order an appraisal anywhere in the United States. The 
      system provides each client the availability to review all orders whether 
      in progress, cancelled, on hold or shipped.  Clients can register, log on, enter and edit their personal data at our 
      company Web site. Once registered, the client can add the necessary 
      information to place an order with just a few keystrokes. Upon receipt, 
      the order is assigned to one of our appraisers throughout the nation and 
      is confirmed including a projected shipping date. This process usually 
      does not take very long, and we promise 24-hour confirmation under most 
      circumstances.  Instructions for each order are immediately transmitted to the 
      appraiser when assigned. The system permits the client to view orders in 
      process and to retrieve any status update information available. Upon completion, the appraisal is transmitted from the appraiser to the 
      office where it is thoroughly reviewed by our management staff for quality 
      and accuracy. Upon approval, it is immediately shipped to the client. 
      Shipping methods vary with the needs of the client; however, the preferred 
      method is electronic, via PDF file. This is the fastest and most 
      economical method, eliminating overnight shipping cost and deliverable in 
      minutes.  Existing clients of ELLIOTT® and Company Appraisers have been assigned 
      a temporary password and ID. Those unaware of their passwords and IDs may 
      call the central office at 800-854-5889 to gain system access. Once into 
      the system, the client may change all passwords and IDs. Yes, we still accept offline orders via fax. If you have been ordering 
      by fax, you may want to give our new system a try. We are on the Web at: 
      www.appraisalsanywhere.com. Please call us with any questions.  |  
        |  |  
        | Ruppe Opens 
        ELLIOTT® & Company Appraisers OfficeIn Fayetteville, NC
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        |  ELLIOTT® 
        & Company Appraisers announces the opening of its Fayetteville, N.C., 
        office by A. Maxwell "Max" Ruppe Jr. Ruppe, who can be reached at (phone) 910-484-3513, (fax) 910-484-7179 
        or (e-mail) ruppes@earthlink.net, will be performing residential 
        appraisals in Cumberland and Hoke counties. Max, a State Certified Real Estate Appraiser, has been in the 
        business since 1996. Previously, he has worked for two Fayetteville real 
        estate appraisal firms as well as the Cumberland County Tax Assessor’s 
        office. "I grew up in Fayetteville, and I’ve been appraising in Cumberland 
        and Hoke County for six years," Ruppe said. "I feel my experience and 
        familiarity with the area, plus the advantages to an appraiser who is in 
        the ELLIOTT® system, enables me to perform residential appraisals in 
        these counties as well as anyone."  Max holds a B.A. degree from the University of North Carolina in 
        political science. Before attending college in Chapel Hill he graduated 
        from Fayetteville’s Terry Sanford High School. "We are pleased to have someone with Max’s ability and background 
        join our team," Charlie Elliott said. "The future of our company hinges 
        upon our ability to continue to attract qualified people seeking the 
        benefits of associating with a national firm."
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      |  Presidents 
      Comments How does one become an appraiser? At 
      first blush it would appear that there is not much to becoming an 
      appraiser. They just look at the property and go back to the office and 
      fill out a form; it couldn’t be that hard to learn. Such a prospective may 
      warrant further consideration.  In all states there are typically a minimum of two levels of 
      qualification, State Certified Residential and State Certified General. 
      Most states also have Trainee or Apprentice categories for appraisers in 
      training. These appraisers may perform appraisals only under the 
      supervision of a certified appraiser prior to completion of their 
      certification.  The requirements for becoming a certified appraiser in most states 
      include 120 hours of successful classroom training for residential 
      certification while general certification usually requires 180 or more 
      classroom hours. There is typically a two-year minimum experience 
      requirement for certification. In addition to the time requirement, a 
      certified appraiser may be required to complete as many as 300 appraisals 
      prior to certification.  All states require that certified appraisers take, and pass, a state 
      board examination or test prior to becoming certified. Most, if not all, states require that the appraiser attend 14 hours of 
      state approved continuing education courses annually after certification 
      is accomplished.  While it is not a legal requirement, many appraisers in addition to 
      becoming state certified also choose to earn appraisal designations. 
      Examples of such designations are the SRA and MAI designations, which are 
      offered by the Appraisal Institute. In summary, becoming an appraiser requires extensive training and 
      experience exceeding that of most professions.
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      | Biggest Lies |  
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      |  Biggest 
      Lender Lies 1. I just need a little something for the file. 2. The other appraisers I use do not charge if the house does not 
          appraise. 3. Five points origination fee and four discount points is standard 
          for this type of loan. Biggest Executive Lies 1. Money ... it’s just a scorecard. 2. If it were up to me, there would be no assigned parking spaces. 3. People are our greatest resource. Biggest Politician Lies  1. I’ll be factual and to the point. 2. My decision was made based upon public interest. 3. I never inhaled.  Biggest Appraiser Lies 1. Staying small was a conscious decision in my firm. 2. We run the stuff through as fast as it comes through the front 
          door. 
        
          3. All dogs like me. I never think twice about entering a yard. |  
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                | Quotes 
                of Wisdom and Wit |  
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                |  
                
                "He who is of the opinion money will do everything may well 
                be suspected of doing everything for money." – Benjamin Franklin "Democracy substitutes election, by the incompetent many, for 
                appointment by the corrupt few." – George Bernard Shaw "Everything that is really great and inspiring is created by 
                the individual who can labor in freedom." – Albert Einstein "The only thing that saves us from the bureaucracy is 
                inefficiency. An efficient bureaucracy is the greatest threat to 
                liberty." – Eugene McCarthy "The easiest way for your children to learn about money is 
                for you not to have any." – Katherine Whiteborn "Trying to determine what is going on in the world by reading 
                newspapers is like trying to tell the time by watching the 
                second hand of a clock." – Ben Hecht "Finance is the art of passing money from hand to hand until 
                it finally disappears." – Robert Sarnoff "Money can’t buy friends, but it can get you a better class 
                of enemy." – Spike Milligan "For every action there is an equal and opposite government 
                program." – Bob Wells "To live a creative life, we must lose our fear of being 
                wrong." – Joseph Chilton Pearce "The love of liberty is the love of others; the love of power 
                is the love of ourselves." – William Hazlitt "The tragedy of life is not that man loses, but that he 
                almost wins." – Heywood Brown. 
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      |   |  
      | Directory 
      of Offices |  
      |  |  
      |  | ASHEVILLE, NC79 Woodfin Place, Suite 203-ADavid Earnhardt
 
 Asheville, NC 28801
 828-236-0047Fax: 828-236-0708
 E-mail: elliottappraiser@aol.com
 |  | WILSON, NCP.O. Box 686Kelly Carlton
 
 Wilson, NC 27894
 252-291-2649Fax: 252-291-2250
 E-mail: cc1040@cocentral.com
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      |  | BOONE, NC1748 Blowing Rock Road, Suite 15Martitia Mortimer, SRA
 
 P.O. Box 3587
 Boone, NC 28607
 Toll Free: 800-545-3649828-264-5566
 Fax: 828-264-7888
 E-mail: martim21@aol.com
 |  | WINSTON-SALEM, NC1520 Main Street, Suite 107Joyce Pusey, SRA
 
 Winston-Salem, NC 27103
 336-773-1077Fax: 336-773-1076
 E-mail: puseyj@northstate.net
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      |  | CHARLOTTE, NC4401 Colwick Road, Suite 200Paul Ray
 
 Charlotte, NC 28211
 704-367-1444Fax: 704-367-1440
 E-mail: pray2bfree@earthlink.com
 |  | COLUMBIA, SC131 Falmouth RiseRick Hutchinson
 
 Columbia, SC 29223
 803-865-2002Fax: 803-865-0807
 E-mail: elliottap@aol.com
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      |  |  |  |  |  
      |  | FAYETTEVILLE, NC965 McKimmon RoadMax Ruppe
 
 Fayetteville, NC 28303
 910-484-3513Fax: 910-484-7179
 E-mail: ruppes@earthlink.net
 |  | N. MYRTLE BEACH, SCP.O. Box 211W. Tom Kearney
 
 1601 Highway 17 South
 N. Myrtle Beach, SC 29597
 843-272-2921Fax: 843-272-4439
 E-mail: tkearney2@sc.rr.com
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      |  | GREENSBORO, NC3316-A Battleground AvenueRobert Brown
 
 Greensboro, NC 27410
 Toll Free: 800-854-5889336-854-3075
 Fax: 336-854-7734
 E-mail: bobby@elliottco.com
 |  | NASHVILLE, TN5515 Maryland WayEdward Cary, SRA
 
 Brentwood, TN 37027
 615-377-0792Fax: 615-370-0679
 E-mail: edcary1@cs.com
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      |  | RALEIGH, NCStephen Putnam
 2008 Hillsborough Street, Suite 1
 Raleigh, NC 27607
 Toll Free: 800-998-8812919-828-8243
 Fax: 919-832-8697
 E-mail: s.putnam@mindspring.com
 |  CENTRAL OFFICE
 3316-A Battleground Avenue
 Greensboro, NC 27410
 800-854-5889 • 336-854-3075Fax 336-854-7734
 www.appraisalsanywhere.com
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            | 
 
 ELLIOTT® & Company Appraisers 
            currently offers appraisal service throughout all 50 of the United 
            States. Clients are encouraged to place orders directly to any 
            office local to properties to be appraised or to the central office 
            for assignment.
 Orders may 
            be placed via telephone, fax or through the company's Web site. All 
            Internet orders will be processed through the central office. 
             
            Some 
            Offices Are Independently Owned and Operated
 |  | 3316-A Battleground AvenueGreensboro, NC 27410
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