By Leonard GildarieLast week, we spoke of little things that can be done to raise the value of your home without going overboard on the costs.It is a fact that many persons build their homes never intending to move out. However, it does not hurt to consistently upgrade, whether it is for your comfort or for the sake of raising the value. On the latter point, I believe that one can never know if the need will arise to sell that property.More than likely, if it is being bought by someone, a bank may be involved and a valuation of that property to determine its market worth will have to be done.Banks would use that as a guide to understand whether a mortgage, regardless of whether the applicant has the ability to pay, is worth the risk.In Guyana,China Soccer Jerseys, the commercial banks are mandated to use to government Valuation Officer to conduct these assessments. In the case of the New Building Society, however, they have their arrangements and are not bound to use these Valuation Officers.If you are houselot owner,Jerseys From China, the banks will ask you to get a valuation on the land and on the proposed structure.Now, I was puzzled. I used NBS so there was not this hassle. But the other banks require this valuation. If you were allocated a $100,000 houselot, chances are it is worth much more, taking into account that government has expended thousands of dollars more to develop roads, lights, water and other infrastructure. So it is worth much more. The bank needs to know how much.A valuation of the land and property is required by commercial banks if you are building or purchasing via mortgageThen, more importantly,Cheap Jerseys From China, the bank wants to know whether the plan you would have for the home is worth the money you said it will eventually be.It is the job of the Valuation Officer to prepare a report outlining this current market value of the land and property, and together, they tell the bank what it will be exposed to if it lends, or how much it can lend.But that covers the aspect of you wanting to build and borrowing from the commercial banks.What happens if you are buying an existing property and wants a mortgage from a commercial bank?The same principle applies. The Valuation Officer, located at the Ministry of Finance building on Camp Street, will have to value that home or property. Factors of the area, site location and structure will all determine the value.In terms of the area,NFL Jerseys China, obviously this is critical. A property at Mon Repos may very well be worth less than one in Bel Air. That is location. In other words,Cheap Nike NFL Jerseys China, the neighbourhood is a key factor in sending the price upwards.Then the site location also plays a critical role. Whether it is a corner lot, middle lot, or a lot that has extra space because of how it was surveyed, all matters. If it is nearer to the main road or on the main road, it is significant also.There we come to the actual structure. The size, shape, style and uniqueness are all taken into account. Whether there is a Jacuzzi bath, louvre windows, tiled floors, water tanks, paved yard or a concrete fence, will also come under consideration.I was informed that the fee for using a Valuation Officer and receiving a report, should not pass $5,000.Then valuation is also done for insurance purposes, for the obvious reasons. No insurance company that is self-respecting would want to provide coverage unless it is assured of the value of that property. The time for receiving a valuation should not beyond a week or 10 days.For me, this was a new one. But valuations are a necessary evil, like taxes. Forgive me,Cheap NHL Jerseys Online, my friends down at the Valuation Office…it is just a stated opinion.Hope you all have a good weekend.Don’t forget to write us at [email protected] or call weekdays, not Sundays at 225-8491.

By Alex WayneThe Akon live concert, hosted on Saturday night at the National Stadium, was pretty explosive but not without a few glitches.The fact that the dancehall superstar did not appear on stage until almost 03:00 hrs agitated the already restless crowd of over twenty thousand, who protested and threw cups and beer cans onto the stage.Heeding the calls of the Brutal Jammers singers for order, the crowd simmered a little, but renewed their revolt when, despite several promises by MC Stan Goveia, Akon still did not appear. While no explanation for the delay was given to the crowd, sources mentioned that the artiste was delayed because of flight problems.Akon thrills thousands of excited fans at the National Stadium.When Akon finally made it backstage, at around 02:30 hrs, and the crowd saw him on the large screens, they erupted into thunderous cheering and screaming.Security personnel and the police had to elbow their way through the unruly crowd to get the star on stage,Stitched Jerseys, which was no easy feat as fans pushed and scrambled to touch or snap photos of the entertainer.Added to that, Akon’s management party felt it wise that the singer should not grace the stage unless all persons were removed from the structure. While media representatives tried to explain to organizers that they needed to remain there to take photos, television personality DJ Rawle,Cheap Jerseys, using the microphone, ordered Kaieteur News and NCN to “get off the stage!”This request apparently angered some media representatives, who left the venue promptly after.Our entertainment reporter Alex Wayne was roughly pushed and almost dragged from the stage by burly security personnel as he attempted to snap a photograph of Akon in action.Apart from that,Wholesale Jerseys, the local performances really kept the audience hyped and entertained during the hours they awaited Akon’s appearance.At around 22:00 hrs, Brutal Jammers Band, as usual, set a reverberating atmosphere as they paved the way for Star Guyana Finalist, ‘Mystic,’ who executed a beautiful rendition of his hit single,Wholesale Jerseys NFL, ‘Better Days Will Come’.A section of the mammoth festive crowd at the National Stadium.Next to come was Sophia resident singer ‘Illaman,’ who somehow failed to find favour with the crowd, some of whom complained of him screaming into the microphones.However,Cheap Jerseys From China, Clinton ‘Passion’ Adolphus, who was the next act, exhibited his usual explosive demeanour, belting out ‘Wine it Up’, ‘Come Out to Party’ and several other hot tunes that set the crowd in readiness of what was to follow.Though it was more of a soca type dancehall atmosphere, Gialiani was well applauded for his hip-hop pieces, ‘Watch yuh Self’ and ‘Put yuh Hands Up’.With the entrance of Brutal Tracks’ ‘Jory,’ the crowd absolutely screamed in delight at his high-energy execution of ‘Bus ah Wine’, ‘Bad Man’ and many others.Rapidly rising local song diva Celeste David made a smashing entrance soon after, and executed a brilliant but brief performance which left smiles of satisfaction on the faces of patrons.Kicking off with Alicia Keys and Baby Cham’s ‘Ghetto Story’, she followed up with ‘Murder she Wrote’ and the popular soca hit piece, ‘I dare You.’Exciting the crowd with her spectacular and very provocative dance techniques, the talented songstress, clad in a body-hugging black costume, ‘backed it up’ so fiery this time that it sent the crowd into a frenzy, the females in the audience shouting their approval of this superb display of ‘woman power.’Guyana’s reggae ambassadors, ‘Firstborn,’ were well received,Cheap Hockey Jerseys, but a few patrons grumbled that their performance was definitely too lengthy.However, their ‘Bounce dem Head’, ‘Jah Blessing’ and other songs moved the audience to ‘energetic scanting’ in some sections of the venue.This time around, the Polar Ice models did not only make a guest appearance, but also performed a special dance routine for the audience.As the impatient crowd began chanting “Akon”, “Akon,” Brutal Tracks’ Mark ‘Anaconda’ Batson was brought onstage, and he managed to slightly simmer the raucous crowd.Deafening screams erupted when Akon made his way on stage at around 02:50 hrs, and Guyana flags were waved all around.Storming the stage with ‘Konvict Music,’ he soon had patrons waving and singing, while some ladies almost swooned in delight.Many tried to touch his feet, and some males hoisted their girlfriends on their shoulders with the hope that they could at least touch the superstar.Many joined him in singing ‘Ghetto Story,’ and the majority practically screamed their heads off when he belted o