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NCUA Proposes to Amend Threshold for Real Estate Appraisals
The NCUA Board proposed to amend the regulation requiring appraisals for certain real estate-related transactions. The proposed rule would increase the threshold level below which appraisals would not be required for residential real estate-related transactions from USD 250,000 to USD 400,000. This proposal is consistent with a final rule that became effective on October 09, 2019 and was issued by the US Agencies (FDIC, FED, and OCC); this final rule increases the threshold level at or below which appraisals are not required for residential real estate transactions from USD 250,000 to USD 400,000. Comments must be received on or before January 28, 2020.
Consistent with the requirement for other transactions that fall below the applicable appraisal thresholds, federally insured credit unions would be required to obtain written estimates of market value of the real estate collateral that is consistent with safe and sound banking practices in lieu of an appraisal. For easier reference, the proposed rule would explicitly incorporate the existing statutory requirement that appraisals be subject to appropriate review for compliance with the Uniform Standards of Professional Appraisal Practice. The proposal to raise the residential threshold is based on consideration of available information on residential real estate transactions, supervisory experience, and comments received from the public in connection with the July 2019 NCUA rulemaking on real estate appraisals (July 2019 real estate appraisal rule); as part of this July 2019 rulemaking, the NCUA Board specifically asked about increasing the threshold for residential real estate transactions. Generally, credit-union-related respondents to the July 2019 real estate appraisal rule supported increasing the residential real estate threshold.
The NCUA Board believes that the proposed increase to the residential threshold would reduce burden in a manner that is consistent with federal public policy interests in real estate-related financial transactions and the safety and soundness of federally insured credit unions. The Board has long recognized that the valuation information provided by appraisals and written estimates of market value assists federally insured credit unions in making informed lending decisions and mitigating risk. It also recognizes the role that appraisers play in helping to ensure a safe and sound real estate lending process. However, the Board is aware the cost and time of obtaining an appraisal can result in delays and higher expenses for both federally insured credit unions and borrowers. The Board also acknowledges that appraisals can provide protection to consumers by facilitating the informed use of credit and by helping to ensure that the estimated value of the property supports the loan amount. However, written estimates of market value have provided these benefits for federally insured credit unions and borrowers for transactions below the current USD 250,000 threshold.
Under Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (Title XI), NCUA must receive the CFPB concurrence that the proposed residential threshold level provides reasonable protection for consumers who purchase "1-4 unit single-family residences." Accordingly, NCUA is consulting with CFPB regarding the proposed residential threshold increase and will continue this consultation in developing a final rule. The Board notes that, on August 05, 2019, CFPB concurred that the other US Agencies' residential appraisal final rule's threshold of USD 400,000 provides reasonable protection for consumers who purchase "1-4 unit single-family residences."
Related Link: Proposed Rule
Comment Due Date: January 28, 2020
Keywords: Americas, US, Banking, Real Estate Appraisals, Credit Risk, Residential Real Estate, Credit Unions, CFPB, US Agencies, NCUA
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Rapid Response:
Re: Potential impact on prevalence of obesity in the UK of a 20% price increase in high sugar snacks: modelling study
We thank Kevin Hall for this response. The use of static or dynamic weight loss model was raised during the review process for our paper (https://www.bmj.com/content/366/bmj.l4786/peer-review). We agree with the reviewers and Kevin Hall that, over a longer time period, the static model overestimates weight loss for the reasons he describes. Therefore, the timespan we used in our analyses stops at one year.
We do, however, stand by the point we made in response to the paper's reviewers that, in the shorter run (the first year), the absolute differences generated by the two models are small. The prediction of weight loss by Lin et al (https://www.ncbi.nlm.nih.gov/pubmed/21940223) following a 20% price increase in SSBs shows the two models provide 'noticeable' differences within half a year (difference of 0.2 kg [-0.8kg vs -0.6kg]) and at one year the estimated weight loss between models differs by 0.6kg (Lin et al. do not provide confidence intervals). Similar to Lin et al, our models considered multiple sources of uncertainty arising from the use of different datasets and several estimation/modelling steps, which are reflected in the large confidence intervals around our predictions. The lower end of our reported range is similar to the 60% difference estimated by Lin et al between the two models: our predicted mean weight loss of 1.3kg at the one-year point was reported with a confidence interval ranging from 0.51kg and 2.1kg.
If we assume that estimates of weight loss are more likely to be in the lower range of our predictions, our conclusion remains intact: fiscal intervention to increase the price of sweet snacks could be more effective in the UK context than the positive effects observed around the world for taxes on SSBs. This is because price responses are similar between SSBs and sweet snacks, the difference between them being that the latter are a source of far more energy in average UK diets.
The consumption of sugary snacks (or the snack to drink ratio) is relatively high in the UK, especially when compared with other high-income countries. For example, in the UK the market size of sweet snacks is 19.3kg per kg per person in comparison to 161.3L of soft drinks. The respective figures in USA are 14.3kg and 346L (Euromonitor International, 2014). Although not providing us with the exact caloric intake and sugar consumption by food group, these simple figures highlight the need for policies targeting sugary snacks as well as sugary drinks.
Given that reformulation, the mainstay of UK public health policy to improve the nutritional quality of the diets, is proving ineffective in reducing sugar content of cakes, biscuits and confectionery (https://www.gov.uk/government/publications/sugar-reduction-report-on-fir...), other policy options to reduce consumption of sugary snacks are urgently needed.
We neither suggest nor wish to imply that a price rise on sugary snacks is the sole solution to obesity. There is no one solution and, as such, every little step counts towards the bigger goal of a fundamental shift in eating patterns towards a healthier, lower energy diet.
Pauline Scheelbeek, Laura Cornelsen, Theresa Marteau, Susan Jebb, Richard Smith
Competing interests: No competing interests

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Using a pencil and paper, draw two complete lines of the weave patterns you are most comfortable making.
The sketch of two weave patterns.
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If you have been told that you require liposuction for medical reasons, you can be certain that insurance will only cover the extent of treatment needed to relieve your symptoms. In many cases, this amount of treatment is not going to result in flattering aesthetics. As such, you should consider the benefits of paying for further treatment that will help you not only achieve relief, but also an aesthetic enhancement that can help you feel confident about your appearance. Many practices, including mine, will work with patients in need of liposuction for medical reasons to determine a more comprehensive treatment plan, often at a discounted rate.
First, a circumareolar incision is made to remove a doughnut-shaped area of skin from around the areola. This also allows the nipple-areola complex to be moved up significantly (potentially as much as 8 or 9 centimeters) without causing irregularities, and it leaves almost no visible scars. The skin is then separated from the breast tissue, and the inverted-T technique is used internally to shape and mold the breast tissue. Once your perky, better-defined breast is formed, the skin is redraped. To prolong and maintain your results, a mesh is added as an internal bra beneath the skin. This provides additional support to the breast tissue.
A breast lift involves both repositioning the nipple areola complex higher on the chest wall and reshaping the breast. Unfortunately, there are no completely scarless breast lifts. There are 4 main types of breast lifts performed depending on the amount of sagging, excess skin, surgeon preference, and patient preference. Each one has a slightly different scar pattern. The ones with the least amount of scarring also tend to be the least effective in terms of lifting and coning the breasts into a more perky shape.
Although liposuction is used to get rid of fat, it's not a weight-loss solution. Liposuction works best on deposits of fat that are concentrated in particular areas and resistant to exercise, particularly around the stomach, thighs, hips and buttocks. You might lose a little weight, but it's not likely to be significant. Liposuction also won't fix a bulging stomach that's caused by weakness in the abdominal wall, and it won't tighten loose skin. For toning and flattening the abdominal area, however, liposuction is sometimes combined with abdominoplasty, also known as a tummy tuck, in which fat is removed from the belly, the muscle wall repaired and excess skin removed.
Before choosing your surgeon, you should do a bit of research about the different types of liposuction available. If you know other people who have had liposuction, you should ask them about the method their doctors used and how they felt about the treatment. That way, if you are interested in a particular technique or technology, you can find a doctor who provides the treatment you desire.
For tumescent liposuction, the most common technique, your doctor will make one or more small (one-quarter inch or less) incisions in the area to be treated and inject a large quantity of a mixture of saline (salt water), local anesthesia, and epinephrine into your tissue. The fluid causes the fat to become swollen, firm, and easier to remove. (It also constricts your blood vessels, which reduces bruising, blood loss, and recovery time.) The surgeon then inserts the cannula through the same incision and passes it back and forth under the skin to break up the fat before suctioning it out. For a very small area, the procedure takes around 30 minutes, while a 360 liposuction—which includes the abdomen, flanks, back, and all around the torso—lasts three to four hours.
Recovery also involves unique expenses. Compression garments are very important in liposuction recovery, aiding the healing process and helping the skin conform to your refined contours. I usually provide one free garment. Subsequent garments can cost between $50 and $100. During your recovery, you will be prescribed pain medication to ensure your comfort. Depending upon whether insurance covered any portion of your treatment, and the specific pain medication prescribed, this can cost can range from under a hundred dollars to several hundred dollars.
While cost is obviously an important consideration when it comes to liposuction, it is not the most important one. Patients should remember that their health and cosmetic satisfaction are ultimately the top priorities. Choosing an inexperienced doctor to save some money could cost far more in the long run if they require a corrective procedure or if they develop serious health complications.
Liposuction is often combined with other procedures, such as a tummy tuck, as part of a mommy makeover. The fat that's removed can also be purified and transferred to the face, butt, breasts, or other areas to restore lost volume or create more fullness. You're a good candidate for liposuction if you have a BMI (body mass index) of 30 or below. If you're looking for a weight-loss solution or cellulite treatment, liposuction isn't your best bet.
I had a consultation today for a breast lift with implant. I really do not want that long verticle scar that accompanies most breast lifts. The surgeon measured me and said I was a 29? He said that I would need the lift with the anchor incision, or I could just have the implant without lift, but the implant would go on top of the muscle. I'm really dissapointed because I do not want that large vertical scar. What are my other options for a lift? I have another consultation scheduled with a different surgeon, but I want to know if they are just going to tell me the same thing.
Ultrasonic Liposuction : This popular form of liposuction uses a specialized cannula that emits ultrasonic sound waves into the fat deposits to liquefy fat cells and make them easier to remove. By utilizing ultrasound technology, the doctor can remove larger and denser fat deposits, and he or she can tighten the surrounding skin. However, there is a greater risk of burns and scarring due to the heat from the ultrasound waves.
Liposuction is one of the most popular plastic surgery procedures because it offers safe, effective fat and cellulite removal, and it can easily be combined with other cosmetic surgery techniques. Some of the main liposuction benefits include improved health associated with fat loss, improved overall appearance, and the reduction in the appearance of cellulite.
Although the removed fat cells are unlikely to grow back, body fat has been shown to return to preliposuction levels within a year after the surgery, particularly returning to the abdominal area. Researchers believe the body compensates for the rapid fat loss by putting on more fat. In a trial of 34 women published in the September 2012 edition of the journal "Obesity," the cosmetic benefits of liposuction were lost after one year. A later study, however, suggested that recurrence of belly fat can be avoided by exercise.
Some people believe that they will no longer have to exercise and maintain a proper diet after liposuction. Unfortunately, this is not the case. While liposuction is an excellent way to reduce excess body fat in specific areas, the removal of fat cells is by no means a guarantee against future weight gain. The cells that are removed during liposuction will not regenerate. However, patients may find that if they do not make alterations to their exercise and diet routines after liposuction, they are more apt to gain weight in areas of their bodies that were not previously problematic.
Thankfully, there's a slew of solutions that have been proven to help with scarring, even completely removing the visual effect. One of the first solutions that may be offered is a steroid injection into the area, which helps with the discomfort and redness of scarring. Cortisone creams are another option that may help to reduce the size of the blemish. Targeted cryotherapy, similar to the type of therapy used to remove warts, may also reduce scarring by freezing the tissue away.
A Bra Lift with Laser (Laser Bra Lift): Some doctors will want to use a laser bra lift as an insurance policy that your breasts won't sag. It's actually not really an alternative to breast lift surgery as it is an extra procedure. In the laser bra surgery, the laser is used to create a bra-like effect that protects the surgical results of the breast lift. Laser energy will always stimulate the production of new collagen fibers, which give you more support of any tissues. Always look at the before and after pictures to see whether or not you think there is enough improvement.
Scars are inevitable after any incision in the skin, of course, because scarring is part of the body's "self-repair" process. Breast lift surgery, in my experience, is a very satisfying procedure for the vast majority of patients–even with the unavoidable, often minimal, scarring. Scars may be in an anchor shape, in the crease below the breast and from the center of the crease up to the areola, although there are other types of scarring. When you choose an experienced surgeon, you'll find that your breast lift scars are well hidden, even when wearing low-cut clothing. This is one of the signs of a skilled breast lift surgeon.
"I placed the embrace® strips right over the areas of incision and they were great because they relieved the tension from my everyday movements, which helped to prevent more scarring. They also had silicone in the tape to help soften the scars. I didn't have to worry about remembering to apply gel or damaging my clothes, and my biggest fear of not having the surgery done in the first place was no longer a problem. Now, months after the procedure, my scars are all white and barely even noticeable."
Liposuction is generally used in an attempt to change the body's shape.[1] Weight loss from liposuction appears to be of a short term nature with little long term effect.[2] After a few months fat typically returns and redistributes.[2] Liposuction does not help obesity related metabolic disorders like insulin resistance.[3] It can also be used to remove excess fat in the chronic medical condition lymphedema.[8]
LipoSelection® : This specialized form of liposuction, developed by VASER®, emulsifies fat cells with ultrasound and breaks them up even further with the LipoSelection probe. The doctor can then easily remove the fat with liposuction tubes, leaving the surrounding blood vessels, nerves and other tissue virtually unaffected. This technique involves less discomfort and bruising than most other types of liposuction, but it does cost a bit more than other forms of manual liposuction.
If you're unhappy about fat deposits around your stomach that won't surrender to diet or exercise, you have plenty of company. Liposuction is now the most popular form of cosmetic surgery in the United States, with 396,048 procedures performed in 2015, according to the American Society for Aesthetic Plastic Surgery. While there's no magic wand to make jiggly belly fat go away, liposuction may offer a solution for love handles and other unwanted forms of flab. If you're considering liposuction for your stomach, here are five things you need to know to make an informed decision.
Cellulite is caused by fat cells pushing through the collagen, the connective tissue directly beneath the skin's surface, causing a dimpled appearance. The appearance of cellulite is not related to the amount of body fat an individual has and is prevalent even in healthy and underweight people. Cellulite is more common in women because men have a tighter collagen mesh pattern beneath their skin. Liposuction can help aid cellulite removal in both men and women, but it is important to remember that there is no permanent "cure" for cellulite. The success of cellulite removal is dependent on many factors, including genetics. Because of this, patients should not expect liposuction to eliminate cellulite from their bodies.
A: In general, no plastic surgeon can guarantee that breastfeeding will still be possible after the breast lift surgery. But in most cases, you should be able to breastfeed after a breast lift if the nipple was left intact during the procedure, and was still connected to all the anatomical structures underneath the nipple. However, if you are planning to become pregnant, its recommended that you wait until after your pregnancy to have a breast lift. Reason being, as your breasts enlarge during pregnancy the skin will stretch. Depending on the elasticity of your skin before pregnancy and the degree to which your breasts enlarge during pregnancy, your breast skin may permanently stretch. In this case the results of breast lift surgery performed before pregnancy would be lost.
Thursday's launch marks SpaceX's 18th cargo run to the International Space Station. The Dragon supply ship atop the Falcon 9 was making its third trip to the lab complex, this time loaded with 5,000 pounds of crew supplies, equipment and high-tech science gear, including a low-tech container of bright green Nickelodeon "slime" for educational outreach. Watch the rocket launch here.
Office liposuction under tumescent local anesthesia costs from about 4-7500, and more extensive procedures need to be done in the operating room under general anesthesia. Depending on the time the cost can go up to 15,000. Multiple areas are discounted in the sense that when done in the operating room under general, the additional areas are charged by the total time, not per area, which is a savings.
Liposuction of the entire thigh (circumferential liposuction) is not recommended due to an increase in swelling and lengthened recovery time. Rather, liposuction should be performed in a series of surgeries spaced about one month apart. Focusing the procedure on one specific area of the hips allows the lymphatic tissue to drain excess fluids quickly and evenly throughout the thigh, yielding more desirable results in a shorter amount of time. Liposuction of the thighs may be performed with thigh lift surgery.
The most common dangers of liposuction include risks associated with removing too much fat from targeted areas at once, as well as having too much liposuction performed in a single day. Excessive liposuction can cause problems including dents, lumps, and sagging skin. In order to minimize surgical complications and the side effects of overexposure to anesthesia, when patients are looking to remove larger portions of fat, they should schedule multiple liposuction procedures at least several days apart.
The concept of liposuction surgery may seem simple, but, as with any type of surgery, the process is actually quite complex. A skilled physician will be well trained in all aspects of the liposuction procedure, and will be able to explain the process to you in as much detail as you wish. Of course, each procedure can vary significantly, depending on the treatment area and the type of liposuction you select. However, most procedures follow the same basic outline:
In any case, you can probably find the average costs of all procedures in different cities right here on Realself. Plastic surgery fees vary a lot from surgeon to surgeon, from place to place, and country to country.But beware of choosing a surgeon solely on price. Make sure to do your research and make sure he or she is a board certified plastic surgeon.
Other variables affecting price of liposuction include the 1) experience of the surgeon and 2) geographic location of the surgeon. An expert liposuction surgeon who has done thousands of liposuction procedures, who consistently achieves outstanding results, and who is in great demand, will often charge more than a less experienced surgeon. Surgeons who are not busy may offer discounts, or entice prospective patients by offering free consultation. Surgeon's who have had unhappy patients and who do not have a good reputation might also lower liposuction prices in order to attract new patients. In geographic areas where rents and labor costs are high, one can expect higher prices for liposuction.
Very few surgeons use the Benelli scar because it is technically more difficult. I like it because the scar is well camouflaged as it forms the border of the areola. The only downside with this type of scar is that it can not be used in large breast reductions. However, it is ideal for small breast reductions, breast lifts, and breast lift with implants.
I recently performed liposuction for Tara, 49, an active woman who wanted to rejuvenate her figure. "Diet and exercise were not enough at this juncture in my life," Tara said. "I wanted to look - and, more importantly - feel better about my appearance both in and out of my clothes. It was definitely worth the cost. Self-confidence is always worth the cost."
If you have a significant amount of loose skin around your midsection, or if pregnancy, weight loss, and/or age has weakened your abdominal muscles, you may want to consider a tummy tuck. However, if you have healthy skin that adheres to the natural contours of your body, you are probably a better candidate for liposuction. Ultimately, the only way to determine the right procedure for you is to schedule an appointment with an experienced cosmetic surgeon.


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