Heritage farm animals

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Special Guest

Jeanette Beranger

Senior Program Manager –The Livestock Conservancy

joins The Housing Hour this week to discuss one of the most important agricultural issues facing our world “The protection of endangered livestock and poultry breeds from extinction”!

Many of America’s once-common farm animals face extinction if we do not take action now. Rare farm animals represent an irreplaceable piece of earth’s biodiversity and offer an incredible variety that may be needed for future farms – robust health, mothering instincts, foraging, and the ability to thrive in a changing climate.  These farm animals are a vital part of ensuring food security for our planet – now and for the future.

Jeannette Beranger is the Senior Program Manager for the Conservancy. She came to the organization with 25 years’ experience working as an animal professional including veterinary and zoological institutions with a focus on Heritage breeds. She has been with The Conservancy since 2005 and uses her knowledge to plan and implement conservation programs, conduct field research, and advise farmers in their endeavors with rare breeds. She is a co-author of the best-selling book “An Introduction to Heritage Breeds.” At home, she maintains a Heritage breeds farm with a focus on rare breed chickens & horses. In 2015 she was honored as one of the top “45 Amazing Country Women in America” by Country Woman magazine for her long-standing dedication to endangered breed conservation.

The Legacy of Apollo 11

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Special Guest

Dr. Michael L. Simpson

The University of Tennessee

joins The Housing Hour to discuss the lasting legacy of one America’s most historic feats-“…one giant leap for mankind.” Dr. Simpson brings his vast scientific background to help us unwrap possibly one of the greatest accomplishments the world has ever seen.

Topic Includes:

Where were you?

Mission Facts (Oak Ridge Lab Involvement)

Technology spinoffs

Mars next?

And so much more!

Dr. Simpson earned his B.S., M.S., and Ph.D. degrees in Electrical Engineering from the University of Tennessee in 1983, 1987, and 1991, respectively. His dissertation research focused on charge trapping correction in high-purity germanium radiation detectors. At the time he received his Ph.D. Simpson worked in R&D at EG&G Ortec, and moved to the Scientific Staff of the Oak Ridge National Laboratory in 1992 where he initially worked on the design of high-speed, custom, analog, integrated circuits for collider physics experiments. Later Simpson’s research interest focused more on nanoscale structures, and in particular, on the interface between nanoscale devices and biological systems. Simpson is now a Distinguished Research Staff Member and Theme Leader in the ORNL Center for Nanophase Materials Sciences.  Dr. Simpson began a joint faculty appointment with the University of Tennessee in 1993, first with the Electrical and Computer Engineering Department, and now with the Materials Science and Engineering Department, where he teaches nanobiosciences courses and performs research at the physical-biological sciences boundary.  Dr Simpson has authored or co-authored 115 peer reviewed journal papers, holds 24 U.S. Patents, and has presented numerous invited talks at conferences, workshops, and symposia. Research Areas

(Click each area for more information!)

» Molecular-Scale Engineering and Nanoscale Technologies

» Nanophase Materials Sciences Selected Awards and Honors

2007    Named a Battelle Memorial Institute Distinguished Inventor
1998    Kermit Fischer Environmental Award for the Pioneering Development of an Integrated CMOS Photo-Spectrometer for Wide Applications including Environmental Monitoring.
1998    Finalist for a Discover Magazine Technology Innovation award for the development of the Bioluminescent Bioreporter Integrated Circuit.
1998    Awarded Lockheed-Martin Energy Research Corporation Medal for Excellence in Technical Achievement, for the co-development of a deep submicron lithography method.
1998    Awarded Lockheed-Martin Energy Research Corporation Medal for Excellence in Technical Achievement for the co-development of an integrated circuit for a collider detector application.
1997    Awarded Lockheed-Martin Energy Research Corporation Medal for Excellence in Technical Achievement for the development of a single-chip photo-spectrometer. Professional Activities

» Co-Chair and IEEE-EMBS representative for the second Bio-, Micro-, and Nanosystems Biology Conference sponsored by the American Society of Microbiology and IEEE-EMBS, January 15-18, 2006.

» Co-Chair and IEEE-EMBS representative for the first Bio-, Micro-, and Nanosystems Biology Conference sponsored by the American Society of Microbiology and IEEE-EMBS, July 7-10, 2003.

» Member of the Advisory Committee for the Georgia Tech Conference on Nanosciene and Nanotechnology, 2001

» Member of the Advisory Committee for the Georgia Tech First Conference on Nanosciene and Nanotechnology, October 2000 Selected Publications

M. J. Doktycz and M. L. Simpson, “Nano-enabled synthetic biology,” Mol Syst Biol, vol. 3, 2007.

M. L. Simpson “Cell-free synthetic biology: a bottom-up approach to discovery by design,” Mol. Syst. Biol., vol. 2, 2006.

Austin, D. W., M. S. Allen, J. M. McCollum, R. D. Dar, J. R. Wilgus, G. S. Sayler, N. F. Samatova, C. D. Cox, & M. L. Simpson, “Gene Network Shaping of Inherent Noise Spectra”, Nature 439, Feb. 2, 2006,  608-611.

Melechko, A.V., V.I. Merkulov, T.E. McKnight, M.A. Guillorn, K.L. Klein, D.H. Lowndes, and M.L. Simpson. “Vertically aligned carbon nanofibers and related structures: Controlled synthesis and directed assembly.J. Appl. Phy., 97(4), Feb. 15, 2005, 041301-39.

Fletcher, B. L., E. D. Hullander, A. V. Melechko, T. E. McKnight, K. L. Klein, D. K. Hensley, J. L. Morrell, M. L. Simpson, M. J. Doktycz. “Microarrays of biomimetic cells formed by the controlled synthesis of carbon nanofiber membranes.” Nano Letters 2004,4(10), October 2004, 1809-1814.

M. L. Simpson, C.D. Cox, and G.S. Sayler, “Frequency domain chemical Langevin analysis of stochasticity in gene transcriptional regulation”. J. Theo. Bio. 229(3), August 2004, 383-394.
McKnight, T. E., A. V. Melechko, G. D. Griffin, M. A. Guillorn, V. I. Merkulov, F. Serna, D. K. Hensley, M. J. Doktycz, D. H. Lowndes, and M. L. Simpson. “Intracellular integration of synthetic nanostructures with viable cells for controlled biochemical manipulation.” Nano Letts. 4(7); July 7, 2004, 1213-1219.

M. L. Simpson, C. D. Cox, G. D. Peterson, and G. S. Sayler. “Engineering in the Biological Substrate: Information Processing in Genetic Circuits.” Proc. IEEE. Vol. 92(5), May 2004, 848-863.

Tom White- TFW Appraisal Services- Talks Values

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Special Guest

Tom White

TFW Appraisal Services

joins The Housing Hour this week to share his 30 plus years of appraisal experience. Tom shows off his vast knowledge on so many topics!

You don’t want to miss this experts opinion!

Topics:

How the economy affects values

Manufactured Housing

Modular Housing

and much more!

Tom White- TFW Appraisal Services- Talks Values

 
How To Contact Tom
By Phone:8652200200 (Office)
By Fax:8652200730 (Fax)
By e-mail:tntom55@hotmail.com
Address:TFW Appraisal Services
139 W Madison Ln
Oak Ridge, TN  37830-5310

 REASONS TO GET AN APPRAISAL

Every year, countless people in the United States buy, sell or refinance their own slice of the American Dream.  Most, if not all, of these transactions include a simple line item for an appraisal.  It has become an understood and accepted part of a real estate transaction.  “Let’s bring in the expert and make sure we’re not spending too much on this property.”

But is this the only reason to get an appraisal? Are there other times when the services of a certified, licensed, independent real estate professional might come in handy?  You bet.

PURCHASE OF A HOME
One of the most important issues involved in purchasing a property is developing an opinion of what it’s worth so that you can make an informed offer to purchase.  A professional appraisal report performed by a qualified, state-licensed appraiser can provide you with an objective, third party opinion of a property’s current Market Value.  And for the small price of this service, you can give yourself “peace of mind” prior to making an offer to purchase that you’re offering a fair price for the property.

REFINANCE OR GET A HOME EQUITY LOAN
If you need to consolidate bills, have a college tuition to pay, or just want to tap into the equity of your home, you’ll need a new loan, which oftentimes requires a new appraisal of the property.

PMI REMOVAL
Private Mortgage Insurance or PMI is the supplemental insurance that many lenders ask home buyers to purchase when the amount being loaned is more than 80% of the value of the home. Very often, this additional payment is folded into the monthly mortgage payment and is quickly forgotten. This is unfortunate because PMI becomes unnecessary when the remaining balance of the loan – whether through market appreciation or principal paydown – dips below this 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

Many appraisers offer a specific service for home owners that believe they have met the 80% loan-to-value metric. For a nominal fee, the appraiser can provide you with a statement regarding the home value. Some will even take the next step and help you file a challenge with your mortgage company. The costs of these services are very often recovered in just a few months of not paying the PMI.

DIVORCE SETTLEMENT
A divorce can be a particularly traumatic experience for both parties and is often further complicated by the difficult decision of “Who gets the house?”.  In most divorce cases, the Court won’t usually force the parties involved to “buyout” the other party’s interest but it may however order the sale of the home so each party gets an equal share of the equity.  Regardless of the situation, it’s a good idea to order an appraisal so both parties are fully aware of what the true market value is.

If the parties want to sell the home, they’ll have a better idea of what price to set.  And on the flipside, if a “buyout” is the chosen option, both parties will feel like they’ve gotten a fair assessment.

ESTATE LIQUIDATION
The loss of a loved one is a difficult time in life and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved.  The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Unlike many wealthy individuals, the majority of Americans do not have dedicated estate planners or executors to handle these issues.  Also, in most cases, a home or other real property makes up a disproportionate share of the total estate value.

Here too, an appraiser can help.  Often the first step in fairly disposing of an estate is to understand its true value.  Where property is involved, the appraiser can help determine the true value.  At this point, equitable arrangements can more easily be arrived at among disputing parties. Everyone walks away knowing they’ve received a fair deal.

RELOCATION
We understand the stress involved with an employee relocation.  We take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we encourage relocating employees to provide input on the positive attributes of their property along with information about any recent sales or listings in their neighborhood that they want considered.

HOME IMPROVEMENTS TO ADD VALUE
Before you decide to sell your home, there are several decisions to be made. First and foremost: “How much should it sell for?”  But don’t forget there may be other equally important questions to ask yourself such as “Would it be better to paint the entire house before we sell it?”, “Should I put in that third bathroom?”, “Should I complete my kitchen remodel?”  Many things which we do to our houses have an effect on their value.  Unfortunately, not all of them have an equal effect. While a kitchen remodel may improve the appeal of a home, it may not add nearly enough to the value to justify the expense.

SELLING A HOME
Whether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price.

Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for.  It’s easy for them to step in and give you the information to help you make your decision.  Appraiser fees are based on efforts to complete the report and not a percentage of the sales price. So seeking a professional appraisal can often help homeowners make the best decisions on investing in their homes and setting a fair sales price.

 
 
 
How To Contact Us
By Phone:8652200200 (Office)
By Fax:8652200730 (Fax)
By e-mail:tntom55@hotmail.com
Address:TFW Appraisal Services
139 W Madison Ln
Oak Ridge, TN  37830-5310