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particular appraisal organization
(Including the Appraisal Institute  (AKA mai)

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in reading this document, please call 714.834.7643.

What, in the world, are they Doing wRONG? Appraisal Institute suffers another loss! "AI commercial
database bites the dust." Appraisal Institute (AI) will be closing down the AI Commercial Database
on November 1, 2005.

(orange county commercial appraiser, Orange County Cities, Aliso Viejo, Anaheim, Brea, Buena
Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington
Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods,
Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa
Margarita, of San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa
Park, Westminster, Yorb
a Linda, Real Estate Appraiser Los Angeles, Commercial Appraisal
Services, millionaire services, Real Estate Appraiser, Real Estate Appraiser Los Angeles, find
appraiser, find real estate appraiser,   Real Estate Appraiser Orange Riverside Ventura San
Bernardino Counties, )

THE CALM BEFORE THE STORM!
Appraisal Institute's (
mai) Top Dog (John Ross, CEO) Jumps Ship
Ross: "After nine years with the organization,
I feel that the timing is good for me to explore
other opportunities
."  

Ross: "
I’d like to see the organization (the appraisal institute) strengthen its ties with the
academic community
. The profession needs to focus now on developing more theoretically based
tools and on things like
behavioral finance and economics – which is ultimately what dictates the
operation of markets. I’ve often stated that the mark of any profession is in the development of new
theory, and in my estimation
there have been few, if any, advances in this regard in the
appraisal profession for the last 25 years or more
. I’d like to see the Appraisal Institute more
involved in some way in such thought creation."

Are predetermined Appraisal ADJUSTMENTS Legal/Ethical?  Please see attached
Predetermined adjustments provided by
Curtis - Rosenthal, Inc. (MAI Appraiser Los Angeles)
LLC. an MAI Firm.
 You be the judge and get back with us or call them for this years update.  
If your property was acquired by the Los Angeles World Airport (LAWA) you had better read
this!


<Orange County and Southern California,  Real Estate Appraiser Orange, estate appraiser & consultant,
Expert Witness, Real Estate consultant, OC,  Southern California, commercial appraiser, appraiser los angeles, real
estate appraiser,  condemnation appraiser,  la commercial appraiser, ca commercial appraiser, Real Estate
Appraiser, Real Estate Appraiser orange county, Commercial Appraisal Services,>

Services: Eminent Domain appraiser appraisal, The Harris Company REA/C
(commercial appraiser los angeles, inverse condemnation appraiser,  expert witness real estate, real property,
commercial appraiser, commercial real estate, Los Angeles, Estate , Probate, Trust, Tax, MAI Appraiser, LA, L.A.,
real estate  land los angeles, commercial real estate inspectors, real estate brokers, los angeles, real estate
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Residential Appraiser, Apartment Appraiser,California Appraiser,PMI Removal, Certified General, Tax , Multi Family
, Bank appraisal institute,Apraiser, comp check, value check)

Orange County Cities, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point,
Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna
Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo,
Newport Beach, Orange, Placentia, Rancho Santa Margarita, of San Clemente, San Juan
Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorb
a Linda

Dateline:
INTERNATIONAL RIGHT OF WAY ASSOCIATION (IRWA)
Chapter 1 –Los Angeles County
2006 Annual Fall Seminar

Tuesday, October 24, 2006
Quiet Cannon, Montebello, CA

The Los Angeles World Airport's (LAWA) Director of Economic Development admits that the Manchester Square
“Voluntary Purchase” Program is a part of LAWA’s Master Plan.   This statement was supported by one staff
member who presented maps indicating that this area has been set aside for parking.  

This Freudian slip of the tough could have major legal consequences since under the agencies “voluntary purchase
program” homeowners were not paid Fair Market Value which is “the highest price” required by State Law in
condemnation cases.   

For years Vivian Howell, an IRWA and LAWA mucky muck, has stated that we are not going to pay them “the
highest price” because this is a voluntary program.  

This in addition to using unethical appraisal practices like using unqualified appraisal trainees, consultants
colluding on values, standardized comparable adjustments, and in some cases- appraising of property based
upon it's existing use, rather than it's “highest and best use.”   It is estimated that these combined, secret practices,
have cost property owners millions.

The Director also stated that he foresaw a number of inverse condemnation cases being filed against the agency,
by current residents, because the LAWA project has left their neighborhood in a shambles.

If you are a homeowner, property, or seller of property to LAWA in this area we strongly suggest that you contact a
qualified Real Estate Condemnation Attorney, or Relocation Expert, and demand a full hearing into these issues.  


Cochise
Commercial Appraiser


6.  False Appraisals
I'm looking at an
MAI (commercial appraiser) appraisal right now from one of the most respected
appraisers in our area that I know has been influenced in several ways (the appraisal has been
influenced, not him). The representations from the owner of the property concerning zoning,
development, potential purchase offers and comparable sales have boosted the value.

7.  Inclosed is a bound hardcopy of the complaint I previously filed with the
North Carolina Appraisal Board against
John K. Weaver, MAI, (a.k.a. "Jack"
Weaver, commercial appraiser) who is the Deputy Director and Chief Investigator of the North
Carolina Appraisal Board (NCAB). (This complaint text is also available
online at www.boardwatch.org/htmfiles/complainttext1.htm .) Copies of Mr.
Weaver's complete research files are also inclosed in "bound report format,"
as are copies of four appraisal reports on the subject property in question
at the NCAB hearing in question.
The NCAB sat on the complaint for many months and then participated in a scam
to "sweep the complaint under the rug." Following in this letter is text
extracted from a post I made 11/16/2001 to an online discussion group for
real estate appraisers across the country (www.AppraisersForum.com) which
explains and documents the response of the NCAB. (The full post can be found
at http://appraisersforum.com/bbs/index.cgi?read=20707 .) Also included is a
printout of a website page from www.BoardWatch.org (via the "FAQ" hyperlink
from the homepage) which provides a very brief overview of the whole
situation. As the NCAB shirked its responsibilities in the matter, I am now
asking the Appraisal Institute to investigate the behavior of this Institute
member.

(Commercial Real Estate Appraiser, Los Angeles,  Commercial Appraisal Services, and Commercial
Appraiser) Orange County Cities, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress,
Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La
Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos,
Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, of San Clemente, San
Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorb
a Linda


8. The behavior of this Member of the Appraisal Institute (MAI) is unacceptable if not outrageous.
I've heard no one suggest otherwise. I dislike putting it this bluntly, but here it is in a nutshell: For
the sake of preserving or regaining integrity in North Carolina appraising, it has become necessary
to put the Appraisal Institute to the test. The questions are these:
Is the Appraisal Institute part of the problem in North Carolina?
Is the AI an enabler?

9.   If memory serves me correctly, it was members of the
Appraisal Institute (the self proclaimed
leader of appraisal association, designated with the "prestigious" MAI that were co-conspirators of
the S&L crisis.
Industry organizations are concerned with one thing: their own survival. With appraisal
organizations competing for members, they are more focused on their own self preservation than
on the betterment of the industry as a whole.

Originally posted by RStrahan@Jan 28 2005, 03:28 PM
The various trade associations are impotent. The members of the Appraisal Foundation only count
as one vote, so they are regularly outnumbered by the members of the very industry that promotes
appraisal fraud.
I believe that a merging of organizations is a necessity. However, I explicitely exclud the AI. The AI
has regularly supported AVMs and stood against the interests of the general practice appraiser, so
it is not longer a viable force for change in the industry. In fact, they have often sided with the
lending industry against the rest of the appraisal organizations.

Again, Roger hits it on the nose. An organzation that is purported to be in existance for the
appraiser. Today, likely 99% of all residential appraisals are communicated to the lender and/or
clients via email or the internet. We most commonly transmit these in .pdf format since Adobe
Acrobat Reader is readily available to all at no cost. Several lenders want appraisals delivered in
what is called AI (Appraisal Institute) ready format. This data format completely rearranges the data
structure of the report. The data is thought to be disseminated into their AVM database. No one but
the insiders can prove this, however this format also does something else which is very disturbing.
The appraiser's digital signature is removed from the report itself and transmitted as a separate .jpg
file. This comprimises the security of the report allowing the possibility of data to be changed. It is a
violation of USPAP for an appraiser to knowingly comprimise the security of their digital
signatures/reports.

Who would have thought? To comply with the Appraisal Institute brand of appraisal delivery, one
has to violate USPAP.

10.  Is this accepting an appraisal with a predetermined value?
Hello Curtis,
A member of Appraisal Data Connection is searching for market data.
Diane Gilbert, MAI, (Appraisal Institute, commercial real estate appraiser) is appraising a proposed
60,000 square foot upscale
residential mansion near Orlando, Florida (yes, that's 60,000 square
feet!)  
The property is located along the popular Butler Chain of Lakes and will
have numerous atypical amenities including an indoor and outdoor pool, a
bowling alley, indoor skating rink, a huge ballroom and colonnade, media
rooms, 2-story library, 10 bedroom suites, and staff quarters.
Diane is looking for sales of similar huge top quality residential
properties anywhere in the U.S.

Sales in excess of $15 million are preferred, (MAI COMMERCIAL APPRAISAL) and sales along
waterfront
or some type of resort location would be a plus.

Her best contact method is by email.  If you can help or know someone who
can, please email Diane directly at:
Bayvalue@tampabay.rr.com

11. DATE: 08/01/2006 11:56:00 AM
The malleability of (real estate) appraisals has been a fact of life since for as long as I can
remember, and that is probably longer than most readers have been alive. Down around the
bankruptcy court, they used to say that "MAI" stands for "Made as Instructed."
Posted by: Buce | August 1, 2006 09:01 PM
http://www.prospect.org/deanbaker/2006/07/housing_appraisals_the_account.html

12. April 12, 2006
Working With (Business Valuation) Expert Witnesses
In real estate, the Appraisal Institute awards a designation, MAI, Member, Appraisal Institute. For a
variety of reasons, MAI came to have the derogatory meaning, "made as instructed." Being an "mai"
appraiser, whether in real estate, business appraisal, or any other field of expertise is a prescription
for a short-term career. http://merceronvalue.com/archives/2006/04/working_with_bu.html

13.  David, from the St. Louis Chapter of the Appraisal Institute, just told me last week that at a
recent seminar, an instructor from Guess Who told the group attending the seminar in Typical
Delphi Scam and Cognitive Dissonance fashion, that appraisers would go out of business if they
refused to perform AVMs for the banking cartel and the GSEs. Sending the Appraisal Institute $950
Bucks in MAI, SRPA, SRA professional dues for 2005 is going to be a really tough decision. If I can
find a real job that pays, they won't get my money anymore. Besides being a State Certified
General Realty Appraiser is just as good as having Made As Instructed behind my name -- because
that's what the public perceives me to be anyway now -- a member of the world's oldest profession.
http://www.financialsense.com/editorials/reality/2004/4R1217.html

14.  Gesoff v. IIC Industries Inc. et al., in the Delaware Chancery Court decided May 18,
2006
The parent then offered its appraisals, but the Court saw them as flawed and smacking of
made-as-instructed justification after the fact. In particular, its appraiser did adjust downwards a
management projection without any justification, failed to take into account appreciated realty,
and used a small company premium without regard to the fact that subsidiaries were, in effect,
large businesses in their respective emerging markets

15. SAN FRANCISCO BAY RESTORATION PLAN
Commercial real estate Appraiser (Charles D. Bailey,
MAI) disciplined; taxpayers paid millions
MANY ERRORS ALLEGED IN PURCHASE OF CARGILL PONDS FOR $100 MILLION IN 2003
By Paul Rogers
Mercury News
Susanna Frohman / Mercury News archives
In 2002, then-Gov. Gray Davis and Sen. Dianne Feinstein, above, announce a $100 million deal for
the Cargill salt ponds. Complaint against appraiser Charles Bailey (
MAI) (PDF) The settlement
agreement (PDF)

The appraiser (Charles D. Bailey,
MAI) whose report helped set the $100 million price taxpayers
paid in the 2003 Cargill salt ponds deal has been disciplined on allegations that he made numerous
errors and violated federal standards when he set a value for the property.

The state attorney general's office brought a misconduct complaint against Charles Bailey (MAI) of
Mill Valley this summer, alleging 24 significant errors in his appraisal of Cargill lands for the federal
government in December 2000.

Bailey, who denied any wrongdoing, agreed Sept. 27 to a censure of his license, known as a
``public reproval.'' He also will pay $4,000 to cover the costs of the state investigation. Although he
will keep his license and can continue working, any disciplinary action on an appraiser's record is
very harmful to his career, said Deputy Attorney General Char Sachson.

News of the settlement heightened concerns that taxpayers may have overpaid by millions of dollars
when government agencies bought 16,500 acres of Cargill salt evaporation ponds from Hayward to
Alviso to Redwood City in March 2003. It also brought calls Tuesday from political leaders for less
secrecy in public land deals.

16.  IS THIS
MAI APPRAISER INCOMPETENCY?
Anyone know any sources of gross sales per store data for specific chains? I am appraising three
proposed facilities that are being leased with a level base minimum rent but actual rent is the
greater of that minimum rent or 10% of gross sales. I believe if I use the minimum I could be
undervaluing, but am not comfortable using the projections provided without at least seeing
something to compare them to. They are slightly above the minimum rent threshhold.
Paul S. Ness, MAI (commercial appraiser)
www.nessassociates.net

Mr. Ness, MAI was apparently so embarrassed by his own lack of knowledge that he has
removed his request from the AppraisalForum.com website.   The sometimes humorous
responses are still there however.

We also received this email from site owner (Wayne McKerley) who suggest that we inappropriately
used his copyrighted material.

Paul Ness posted this on AppraisersForum.com.  You copied it without my permission or without
Paul's permission to your web site.  You also imply that Paul is incompetent by adding the heading
"IS THIS MAI APPRAISER INCOMPETENCY?". Paul is aware of this also and brought it to my
attention.

I ask that you remove this from your website and refrain from using our copyrighted material.

Wayne McKerley
AppraisersForum.com
(Professional Commercial Appraisal Forum?)

17.  
Appraisal Talk Message Board
Re: MIA Appraiser San Diego, CA
[ Follow Ups ] [ Post Followup ] [ Appraisal Talk ] [ FAQ ]
--------------------------------------------------------------------------------
Posted by mitchell's mother on October 12, 2006 at 15:53:53:
In Reply to: MIA Appraiser San Diego, CA posted by mitchell on October 12, 2006 at 14:44:37:
I need a state licensed or certified appraiser. I am more interested in experience and
education than any phony designations, that try to cover up their lack of experience and
education.

18.  Times Herald-Record
October 17, 2006
Albany — A real estate
appraisal that the City of Middletown relied on to sell off a property two
years ago was so riddled with faults that questions later arose over whether Robert Buckles "
(Appraisal Institute, Associate Member) prepared an appraisal with a predetermined value," a state
investigator testified yesterday. In the same hearing, an expert appraiser testified that the appraisal
of the 14-acre property on Ruth Court used outdated property sales for comparisons.
Robert G. Buckles, Associate MAI
President
Countrywide Appraisal Services
P.O. Box 1118
Monticello, NY 12701
547 Broadway
(845) 794-2834x300
Fax: (914) 794-2846
Bob@countywideappraisal.com
Accepts (real estate appraisal) Fee Assignments (more info)

19. LETTER FROM THE (UTAH Appraisal
Institute-MAI) PRESIDENT, 2006
I am proud to be a member of this professional organization.  I
had been ignorant to the extreme
member benefits
until I began serving on the Board in 1999.   I want to inform you of the
advantages regarding Appraisal Institute membership.  A few of the programs and promotions by
National which benefit members include.
4.  Lobbying Efforts
National has a full time staff of three attorneys in Washington, DC working on our behalf to keep up
with federal legislation and other initiatives that impact our profession and to act as a liaison to the
local chapters in keeping up with state issues.  We also have our own local lobbyist who works with
Utah appraisers.  
Lobbying is one of those behind the scenes activities that many of us may not
give much thought to however, the efforts of these people affect us individually and our profession
in ways that many of us are unaware.

20. Mr. Levy describes in his succinct essay the stranglehold that the banking cartel has on the
realty valuation industry. Th
e Appraisal Institute has an affiliate appraisal management company
called REAS (Real Estate Appraisal Services) which operates http://www.aidirectconnection.com.
REAS is owned by Charter One Financial Corporation, the 25th largest bank holding company in
the USA, home based in Ohio. Royal Bank of Scotland is in merger and acquisition negotiations
with Charter One to become the 7th largest bank holding company in the USA, after the Bank One
and JPChase Manhattan merger as the second largest banking conglomerate. This conflict of
interest doesn't get any more blatant than these facts. ( AI Direct Connection®      AI Direct
Connection
AI Direct Connection provides the real estate marketplace with an efficient and cost-effective means
to acquire quality appraisal services. Appraisers can sign up, free of charge, to be included on the
fee panel, specifying their services or specialties.
AI Direct Connection then sells those services
directly to the client. FIND OUT MORE HERE)

21. Excuse me—you're standing on my bonus … reflections on credit culture
RMA Journal, The,  May, 2005  by David H. Wesley
Banks have been widely lauded for their performance through the most recent downturn. Pressure
for revenue growth has invariably led to deal creep--pricing concessions, then deal structure
concessions (covenant, guarantees, advance rates, etc.), and then the rationalization that
otherwise marginal credits are acceptable. It takes both courage and conviction to remain
disciplined and diligent to not trade off your credit risk principles. Looking back at performance
during the last downturn, some things were done particularly well, while others could have been
done better.
Following are a few of the excuses that we all have heard (or have used) in the credit approval
process, along with their subliminal translations.
We have an MAI appraisal that supports the request.
Translation: The appraisal is a
made-as-instructed real estate valuation.

22. Posted by
Appraiser Central on October 18, 2006 at 20:00:21:
In Reply to: ai posted by Cochise on October 18, 2006 at 18:29:29:
The Appraisal Institute has had "conflict of issue", issues for many years now. Especially with
Charter One Bank and also Washington Mutual (WAMU). The Appraisal Institute doesn't seem to
care. This being "in bed" with Charter One and Washington Mutual was a big part of
our boycott
of the Appraisal Institute
a few years ago when the AI decided to create their own AVM (AIRD)
with Charter One Bank and WAMU as their biggest backers.
Also, the AI can't even advertise without lying. They have been running radio ads here in
Massachusetts, where they tout the lie that "Appraisal Institute Members are better qualified and
have more education" than non-Appraisal Institute members. I can't wait till the first homeowner
here gets an AI member with only 2 years experience; and the job is way over their head.
The sooner we as an industry get rid of Appraisal Management companies, and designation "tea
clubs", the better off we will be.


Orange County Cities OC, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana
Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, City of La
Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos,
Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San
Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda


CIVIL PROCEDURE, DEBT COLLECTION, ETHICS & PROFESSIONAL RESPONSIBILITY,   &
REAL ESTATE, REMEDIES
Rusheen v. Cohen, No. S123203 (Cal. February 23, 2006)
Where a cause of action is based on a communicative act, the litigation privilege of Civil Code
section 47 extends to those noncommunicative actions which are necessarily related to that
communicative act.

Curtis - Rosenthal, Inc.

Forensic Appraiser Los Angeles, Forensic Appraisal,

Orange County Cities OC, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana
Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, City of La
Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos,
Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San
Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda
SERVICES SPANISH
TRANSLATION:
el valuador comercial, la
evaluación comercial, el
valuador Los Angeles,
valuador de bienes raíces,
experto comercial presencia
bienes raíces, los bienes
raíces

Real Estate Appraiser Orange
Riverside Ventura San
Bernardino Counties,

valuador comercial, valuador
comercial de bienes raíces,
Valuador Comercial de
bienes raíces Los Angeles,
Propaganda de Valuador,
Valuador Los Angeles,
Valuador de Propiedad,
Valuador de Protocolización,
Valuador de Confianza,
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Appraisal Institute MAI vs Curtis D. Harris, BS, CGREA, REB
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