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Archdiocese of New Orleans will sell or lease 13 empty properties, including 7 churches #commercial #real #estate #listings #for #rent


#empty building for rent

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Archdiocese of New Orleans will sell or lease 13 empty properties, including 7 churches

Interested? You might just be the buyer the Archdiocese of New Orleans is looking for.

Archbishop Gregory Aymond announced this week that the Catholic Church is selling or leasing 13 vacant properties, including seven churches. They are: Annunciation, Blessed Sacrament, Incarnate Word, St. Francis de Sales, St. Maurice and St. Simon Peter, all in New Orleans, and San Pedro Pescador on Florissant Highway in St. Bernard Parish.

The properties were either destroyed in Hurricane Katrina or closed during a post-storm reorganization in 2008, archdiocesan spokeswoman Sarah Comiskey McDonald said. But, unlike St. Henry s and Our Lady of Good Counsel. the properties for sale were not churches whose closings touched off angry protests, she said.

The archdiocese this week declined to discuss individual asking prices, the amount of money it hopes to raise, the agents or the motivation for selling and leasing the properties.

But in a statement published Saturday in The Clarion Herald, the archdiocesan newspaper, Aymond said insurance, maintenance and security for the vacant properties amounted to a significant cost.

When the buildings were closed in 2008, the archdiocese vowed that properties would not be sold unless another suitable use for them in ministry could not be found, Aymond said in his statement. At this time, I feel it is in the best interest of the community and the Archdiocese of New Orleans to begin listing some of these properties for sale.

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Even though the churches will be deconsecrated by the time they re sold or rented, no property will be sold without due diligence on the part of the archdiocese as to the buyer and its use following the sale, Aymond wrote.

Because many of these buildings are in residential neighborhoods, zoning should limit how the property can be used, allaying some of those fears, said Hayden Wren III, director of commercial/investment for Corporate Realty.

But it could still be a challenge to unload the properties, said Wren, whose company has sold several churches and church-related buildings.

It s not the best of economic times, he said. We re just getting out of a recession. Money is not as readily available as it once was. Banks are a little bit more conservative in their lending activities.

The archdiocese will likely have the final say on what architectural features and furniture will remain in each building, he said.

When Wren sold an Algiers building for the Little Sisters of the Poor, he said the nuns wanted to remove a stained-glass window and send it to France, where the order was founded.

Examples of reused churches are scattered throughout the city. One of the more conspicuous examples is the Iberville Street building in Mid-City that once housed Grace Lutheran Church. It was converted into Christian s Restaurant, which has been closed since sustaining heavy damage from Katrina and the ensuing flood.

Other churches have become homes. James and Sandie McNamara live in an 86-year-old building that once was Westminster Presbyterian Church in the Garden District.

It s a wonderful way to live, said James McNamara, president and chief executive officer of BioDistrict New Orleans. When you think of a church, you think of a quiet place, a place where you connect with a higher power. Living there is the same way.

There s this peacefulness that you sense when you realize that people prayed there, there were funerals, there were weddings, and there were baptisms. This was the center of people s lives.

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Archdiocese of New Orleans will sell or lease 13 empty properties, including 7 churches #business #house #for #rent


#empty building for rent

#

Archdiocese of New Orleans will sell or lease 13 empty properties, including 7 churches

Interested? You might just be the buyer the Archdiocese of New Orleans is looking for.

Archbishop Gregory Aymond announced this week that the Catholic Church is selling or leasing 13 vacant properties, including seven churches. They are: Annunciation, Blessed Sacrament, Incarnate Word, St. Francis de Sales, St. Maurice and St. Simon Peter, all in New Orleans, and San Pedro Pescador on Florissant Highway in St. Bernard Parish.

The properties were either destroyed in Hurricane Katrina or closed during a post-storm reorganization in 2008, archdiocesan spokeswoman Sarah Comiskey McDonald said. But, unlike St. Henry s and Our Lady of Good Counsel. the properties for sale were not churches whose closings touched off angry protests, she said.

The archdiocese this week declined to discuss individual asking prices, the amount of money it hopes to raise, the agents or the motivation for selling and leasing the properties.

But in a statement published Saturday in The Clarion Herald, the archdiocesan newspaper, Aymond said insurance, maintenance and security for the vacant properties amounted to a significant cost.

When the buildings were closed in 2008, the archdiocese vowed that properties would not be sold unless another suitable use for them in ministry could not be found, Aymond said in his statement. At this time, I feel it is in the best interest of the community and the Archdiocese of New Orleans to begin listing some of these properties for sale.

View full size

Even though the churches will be deconsecrated by the time they re sold or rented, no property will be sold without due diligence on the part of the archdiocese as to the buyer and its use following the sale, Aymond wrote.

Because many of these buildings are in residential neighborhoods, zoning should limit how the property can be used, allaying some of those fears, said Hayden Wren III, director of commercial/investment for Corporate Realty.

But it could still be a challenge to unload the properties, said Wren, whose company has sold several churches and church-related buildings.

It s not the best of economic times, he said. We re just getting out of a recession. Money is not as readily available as it once was. Banks are a little bit more conservative in their lending activities.

The archdiocese will likely have the final say on what architectural features and furniture will remain in each building, he said.

When Wren sold an Algiers building for the Little Sisters of the Poor, he said the nuns wanted to remove a stained-glass window and send it to France, where the order was founded.

Examples of reused churches are scattered throughout the city. One of the more conspicuous examples is the Iberville Street building in Mid-City that once housed Grace Lutheran Church. It was converted into Christian s Restaurant, which has been closed since sustaining heavy damage from Katrina and the ensuing flood.

Other churches have become homes. James and Sandie McNamara live in an 86-year-old building that once was Westminster Presbyterian Church in the Garden District.

It s a wonderful way to live, said James McNamara, president and chief executive officer of BioDistrict New Orleans. When you think of a church, you think of a quiet place, a place where you connect with a higher power. Living there is the same way.

There s this peacefulness that you sense when you realize that people prayed there, there were funerals, there were weddings, and there were baptisms. This was the center of people s lives.

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Will I Qualify for a Commercial Loan? #for #lease #commercial


#buying commercial land

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Borrowers

Will I Qualify for a Commercial Real Estate Loan?

Due to the Great Recession, banks are much tougher when they underwrite commercial loans these days. Will you qualify? It all depends on the three C’s of underwriting – credit, capacity to repay, and collateral. Let’s look at credit first.

Commercial banks are the lenders who are making most of the commercial loans today, and banks require good credit. You will usually need a credit score of at least 680, and a credit score of over 700 is greatly preferred. Now if your credit score is lower than 680, please don’t panic. We recently convinced a bank to approve a commercial loan for a veterinarian with a foreclosure on his record (due to a divorce) and a credit score of just 630. And even if a bank won’t do your particular deal, there are still scores of hard money commercial mortgage companies willing to make subprime commercial loans.

When a bank underwrites a commercial borrower’s capacity to repay, the bank looks primarily to the cash flow of the property. The commercial property’s net operating income (NOI) must exceed the proposed commercial mortgage payment by at least 25% to 45%. In the parlance of the commercial financing industry, the debt service coverage ratio must exceed 1.25 to 1.45. Conduit lenders also require that the debt yield ratio (a brand new underwriting ratio) exceed 9.0% to 10.0%.

Commercial lenders are also demanding more collateral today. In 2006 and early 2007, commercial lenders would regularly approve commercial loans of 75% loan-to-value. Many commercial lenders even made commercial loans put to 80% loan-to-value! Then commercial real estate plummeted by 45%, and commercial lenders got hammered. They took enormous losses. As a result, most commercial lenders cut their loan-to-values back from 75% all down to 58% to 65%. This remains the case today. Does this mean that it is impossible to get a deal approved by a bank at higher than 65% loan-to-value. No, there are still some lenders who will consider higher LTV’s, but the deal will have to be very, very strong. You are more likely to qualify for a commercial loan at higher than 65% loan-to-value if the deal is a purchase money deal (in other words, you’re buying the property). Another way to get high LTV deals approved is if the borrower has lots of liquid assets, like cash in the bank and marketable securities.


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Who Is That Hot Ad Girl? Tumblr Will Tell You Who That Hot Ad Girl Is #business #for #sale #or #rent


#in the commercial

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Who Is That Hot Ad Girl? Tumblr Will Tell You Who That Hot Ad Girl Is

Judging by the responses to Dustin s recent The 10 Most Annoying, Awful Commercials of 2012 post, you guys have strong opinions about the redheaded woman in those Wendy s commercials. Same goes for the lovely lady in the Samsung Galaxy Babysitter vs. Mom ad. a debate that briefly threatened to divide the nation. But who are the actresses behind these immortal characters that have invaded your home, and will continue to do so for the next month, right up to the point when the Patriots, Colts, and Broncos don t win the Super Bowl?

The Tumblr blog Who Is That Hot Ad Girl? has the answers to this oh-so-pressing question. The premise is simple: Who Is That Hot Ad Girl tells you who that hot ad girl is, where you ve seen her before, and where you can find out more information about her. Here are some more notable recent selections.

Q: Who is the hot girl in the Dewar’s Scotch commercials?

A: Claire Forlani

Claire is an English actress, who is best known for playing hot American girls during the 1990s. She appeared in movies like Mallrats. The Rock. and Antitrust. Check out her Wiki and IMDb pages. (Via )

Q: Who is that hot ad girl in the Target “Super Heroes” Christmas commercial?

A: Amanda Sudano

Amanda is a singer/model. She is also the daughter of famous singer, Donna Summer. She sings for the musical duo, Johnnyswim. (Via )

Q: Who is the smoking hot girl in the FIAT 500 Abarth commercial?

A: Catrinel Menghia

Catrinel is a Romanian model. She lives in Milan, Italy, and is the face of Giorgio Armani. She’s been featured in Sports Illustrated. FHM. and Maxim. Her Wiki. (Via )

Q: Who is the cat lady who gets progressively cuter in the Verizon NFL Mobile “Jane” commercial?

A: Stephanie Allynne

Stephanie is a comedic actress. She has worked extensively with UCB and Funny Or Die. Check out her Twitter and IMDb pages. (Via )

Q: Who is the hot cashier girl in the Citi Rewards “Happy Princess Wonderland” commercial?

Tania is an actress/model, originally from Miami, FL. She has appeared on TV series like Parks and Recreation and 10 Things I Hate About You. More info on Tania’s official website and IMDb page. (Via )

Q: Who is the hot girl, Lisa, in the Hot Pockets “Desire” commercial?

A: Becky O’Donohue

Becky is an actress/singer, originally from New York. She was also a contestant on American Idol. She has appeared in many roles on film and TV, such as The Mentalist and Psych. Here is Becky’s IMDb page. (Via )

Q: Who is the hot girl in the Guinness Black Lager “Black Dress” commercial?

A: Stephanie Garcia

Stephanie is a fashion model, based out of New York City. Check out her info and portfolio on her Model Mayhem page. (Via )

Q: Who is the hot redhead girl in the Wendy’s Spicy Guacamole Chicken Club sandwich commercial?

A: Morgan Smith Goodwin

Morgan is an actress/singer originally from Birmingham, AL. She has worked mostly in the New York theater, as well as on TV/film. This was Morgan’s wacky web series. And this is her Facebook. (Via )

Q: Who is the hot girl in this Axe “Hot Putt” commercial?

A: Rachelle Goulding

Rachelle is a Canadian supermodel who’s been featured in variety of magazines and commercials. Her exotic look stems from the fact she is part Filipino, Spanish, Irish and English. She lives in NYC and is probably super awesome. Check out her Twitter and her YouTube channel. which features a variety of short clips and other commercials she’s been in. (Via )

Q: Who is the cute girl in the Google Chrome “Jess Time” commercial?

A: Celeste Arias

Celeste is a theater actress, originally from Portland, Oregon. She has worked mostly in New York City theater productions. This is her Facebook. (Via )

Q: Who is the hot girl playing poker in the Ruffles Ultimate chips commercial?

A: Emily C Chang

Emily is an actress, writer, and musician. She has appeared on many TV shows and commercials. Here is her official website and IMDb page. (Via )

Q: Who is the hot wife/mom in the Samsung Galaxy SIII “Work Trip” commercial?

A: Margaret Emery

Margaret is a comedic actress/writer. Here is her IMDb page. She’s also appeared in numerous commercials. This is a great video she did for Funny Or Die. (Via )

James Franco Made A Very James Franco Commercial To Endorse Hillary Clinton

The Store Behind That Offensive 9/11 Mattress Ad Has Been Closed Indefinitely


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Why Do Multiple Credit Card Applications Hurt My Credit Score? #will #applying #for #credit #card #hurt #credit


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Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

While we try to feature as many credit cards offers on our site as we can maintain (1,200+ and counting!), we recognize that our site does not feature every card company or card available on the market.

Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

For a list of all of our advertising partners, click here

Why Do Multiple Credit Card Applications Hurt My Credit Score?

With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

You need to get credit in order to build a good credit score. One way to do this is by getting a credit card and using it responsibly. But what many consumers don’t know is that multiple credit card applications in a short time will hurt their credit scores.

Why is this the case, and how can you make sure you’re applying for credit strategically?

Credit score simulator

What happens if…

I pay off this much debt:

Your new score:

Know how inquiries affect your score

It’s important to understand how applications for new credit affect your credit score, so here’s a quick explanation: A portion of your credit score (whether the dominant FICO score or its rival, VantageScore ) is determined by new credit inquiries. A credit “inquiry” is any review of your credit profile, but only so-called “hard inquiries” can affect your credit score. A hard credit inquiry is performed whenever you apply for a loan or credit card, and it will stay on your credit report for up to two years.

Every hard credit inquiry can cause your credit score to drop by a few points. Most people regain these points within about six months of a loan or credit card application, but if your credit score was poor to begin with, those points might really count. This is important to keep in mind before submitting any type of application to borrow money.

Too many credit card applications indicates financial risk

While applications for both loans and credit cards will land on your credit report and cause your score to dip a bit, many consumers don’t realize that not all hard inquiries are created equal. To explain this, let’s use a common scenario: You want to get a mortgage, but you’re not sure which lender will give you the best interest rate. To find out, you apply for a home loan at five different banks in a single week.

Theoretically, this should cause your credit score to take a hit — five inquiries is a lot. But actually, as far as your credit score goes, this will only count as one inquiry.

Credit card applications are a whole different ballgame. Several different inquires for new plastic in a short span of time will cause your credit score to drop significantly. That s because multiple applications for cards in a short span could suggest you are a riskier borrower than one who applies less. (In the case of a mortgage, it s reasonable to assume that multiple inquiries in a short time mean you are shopping for one mortgage, not intending to take out several. But people can and do get multiple credit cards.)

Remember, your credit score is meant to predict how dependable you’ll be with borrowed money. If you’re showing a behavior that’s correlated with mismanaging credit, your score will drop to reflect this.

If you’ve already applied for too many cards at once, your score will bounce back. Just be sure you pay on time and keep balances low. And wait six months to a year before you apply for another one.

Want to try out a few scenarios about applying for credit and how it might affect your score? As part of NerdWallet’s free credit score tool, you can use the credit score simulator to estimate the effect of various actions:

This article updated Nov. 16, 2016.

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10 Ways Leadership Roles Will Help You Succeed After College #doctorate #of #organizational #leadership, #10 #ways #leadership #roles #will #help #you #succeed #after #college


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10 Ways Leadership Roles Will Help You Succeed After College

Student leaders have the unique opportunity to learn and lead during their college years – an experience not easily replicated after graduation. Learn how individuals who serve in student leadership roles are poised to be successful in the workforce after completing college.

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1. You’ll gain confidence.

Many student leaders are chosen or voted into their positions by their peers. Having your abilities recognized by others is empowering, and the work you do in a leadership role is likely to be recognized. You can gain confidence in your leadership skills by starting a club on-campus, writing for the school newspaper, organizing sports rallies or serving as a tour guide for incoming students.

2. You can develop communication skills.

Public speaking plays a major role in many careers today. As a student leader, you’ll have to speak with confidence and poise to diverse groups about your organization’s mission and goals. Diplomacy skills and persuasion tactics are applicable to almost any career. You can develop your communication skills by speaking at school events, mentoring incoming freshmen or being part of a school’s radio broadcast team.

3. You’ll gain responsibility.

Student leaders aren’t only responsible for themselves – they also have extended responsibilities that affect a wide range of people. Leaders of a group must not only make sure that tasks get done, but that all members of the organization are performing to the best of their abilities. If someone doesn’t follow through on a task, leaders make sure that, ultimately, the task is completed. This responsibility can be a lesson on how to hold others accountable.

4. You can develop negotiation skills.

Most student groups work on collaborative projects that may have competing interests. Student leaders must learn to establish priorities and compromise when necessary. Success occurs when the integrity of a project is maintained and everyone involved feels valued and empowered. This form of negotiation is invaluable for helping any group meet its goals, including professional teams in the workforce. To further develop your negotiation skills, consider taking a conflict-resolution or cooperative learning workshop offered either on-campus or off-campus.

5. You’ll be able to network.

Student leaders may communicate with many people that the average student doesn’t typically interact with on a daily basis. In a leadership role, one can become familiar with school administrators, leaders from other campus groups, managers in off-campus partner organizations and other high-profile figures. Building relationships with these people can yield valuable personal and professional contacts.

Find schools that offer these popular programs

  • Actuarial Sciences
  • Business and Commerce, General
  • Business Statistics
  • Customer Service Management
  • eCommerce
  • Logistics, Distribution, and Materials Management
  • Management Science
  • Office Management
  • Operations Management
  • Public and Nonprofit Organizational Management
  • Purchases, Acquisitions, and Contracts Management
  • Transportation Management

6. You’ll gain management skills.

A strong leader is one whose management skills become second nature. Leaders must oversee operational tasks, make budgets, prioritize workloads, build consensus and perform other executive duties as necessary. Practicing these skills in college can teach you how to use your personal talents for the overall advantage of your group. You’ll likely make mistakes, but learning how to handle them now can better prepare you for the workforce.

7. You can hone problem-solving skills.

Student leaders have many obligations to meet while maintaining a full course load and attending to other personal responsibilities. It will take some creative problem-solving to get everything done and keep life in balance. Leadership experiences allow you to hone multitasking abilities that future job and life responsibilities demand.

8. You’ll discover new talents.

While student leadership involves delegating work and holding others accountable, leaders have to complete some tasks on their own. For example, if you’re leading a small group, you may have to serve as an accountant or creative director for your organization’s new marketing campaign. New tasks can be challenging, but they can also awaken undiscovered talents that may prove useful in the future.

9. You’ll be recognized.

The student leader often becomes the face of the group he or she represents. If a leader is involved and successful, individuals from all fields of study may recognize the leader around campus, even when official business is not being conducted. Leaders are often approached with unique and engaging opportunities by other students and faculty members. Leadership work may also lead to school awards, which can add another distinction to your resume.

10. You’ll improve your resume.

Employers recognize the responsibilities that student leaders take on, and they respect the initiative it shows to head a college organization. With leadership experience on your resume, you’re more likely to get the attention of a hiring manager. A student leadership role is also a great talking point during interviews.

Part of being a good student leader is forming connections with faculty members. Learn five ways to get to know a professor .

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Ssae 16 Type Ii #is #ssae #16 #needed,reports,reviewing #ssae #16,ssae #16,ssae #16 #audit #review,ssae #16 #review,ssae #16 #review #checklist,ssae #16 #reviews,ssae #review,ssae #reviews,ssae-18,ssae16,ssae16 #review,standards,third #party #ssae #guidance #review,who #is #required #to #have #a #ssae #16,who #is #required #to #have #ssae #16,why #get #ssae #16,audit #intensedebate,leave #a #reply: #name #(required): #website: #comments: #submit, #moderation,\’leave #a #reply\’ #\’name #(required)\’ #\’mail #(will #not #be #published) #(required)\’ #\’website\’ #it #services,controls,how #do #you #prepare #for #an #ssae #16 #audit,how #to #prepare #for #a #ssae #16,how #to #prepare #for #an #ssae #16 #audit,new #avenues #for #ssae #16,preparing #for #a #ssae #16,preparing #for #ssae #16,report #writing,ssae #16 #audit #preparation,ssae #16 #consulting #do #we #need,ssae #16 #preparation,ssae #16 #report,ssae #no. #16,example #soc #1 #report,soc #1,soc #1 #report,soc #1 #reports,soc #1 #type #2,soc #1 #type #2 #report,soc #1 #type #ii #report,soc #2,soc #3,soc #i,soc #report,soc #reporting,soc #type,soc #type #1 #report,soc-1 #report,soc1,soc1 #report,soc1 #reporting,soc1 #soc2,ssae #16 #reports,ssae #16 #soc #1,ssae16 #compliant #soc #1,system #and #organization #control #report,what #is #a #soc #1 #report,what #is #a #soc1 #report,what #is #ssae #16 #soc #1 #and #soc #2 #difference,at-c #320,cost,definition #soc #1 #ssae #16,how #ssea #16 #helps #auditors,prices,pricing,soc #1 #audit,ssae #16 #audit,ssae #16 #audit #checklist,ssae #16 #audit #report,ssae #16 #audit #requirements,ssae #16 #auditing #standard,ssae #16 #auditor,ssae #16 #checklist,ssae #16 #cost,ssae #16 #costs,ssae #16 #prices,ssae #17 #audit,ssae #18 #report,ssae #soc #auditing #and #reporting,ssae16 #audit,ssae16 #audit #report,ssae16 #checkilst,what #is #a #ssae #16 #audit,what #is #ssae #16 #audit,what #is #ssae16 #audit,what #is #the #purpose #of #a #ssae #16 #audit?


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The SSAE 18 Reporting Standard SOC 1 SOC 2 SOC 3 Support and Guidance for SSAE18, SOC 1, SOC 2, and SOC 3 reporting standards

Some organizations have heard of SAS 70, SSAE 16. and soon to be SSAE 18. but, don t really know WHY they need to pay to have a bunch of auditors trounce through their company for a month or two during the year, especially right after their financial audit just finished.
The answer is simple: Many companies will not even think about using your company to perform services for them without a clean Type II Report in place.
Some benefits of having an SSAE 16 performed :

  • Ability to perform outsourcing services for Public Companies.
    • If performing financially significant duties for a Public Company, they are required to use a SSAE 16 qualified provider as it is the only way to give investors assurance over controls that are not performed by the Company in question.
  • Public and Private companies are more likely to trust your organization with their data.
    • If you were to trust a company with your data, you would want complete assurance it will be handled with the utmost care
  • A year round accessible knowledge source (your auditors).
    • As a service organization, large or small, you will always have questions regarding your business and having a set of auditors in place with access to a wide array of business knowledge, it will allow you to bounce your questions and concerns off of a group of trusted individuals.
  • A third party to review your controls and activities to ensure they are functioning appropriately, and give advice on how to improve upon them.
    • Sometimes your internal audit department is good, but, not always as stringent as they should be. This will help to serve as a check on their work, as well as your staff. Additionally, if there were any findings noted, your auditors are in a great position to give you some tricks and tips to improve to ensure everything functions well the following period.
  • Improving performance of the organization.
    • Just the knowledge that a review is being performed of an employee s work that can have far reaching consequences for the company as a whole. No more, Oh, I didn t realize that reviewing user access was THAT important to do this month, sorry , now, everyone knows that if it s not done, the success or failure of the organization could rest upon them.

Think of the SSAE 16 or SSAE-18 audit as an annual investment into your company, increasing potential new clients. productivity and accountability .

This tip is focused on designing controls that reflect the process being testing, if they don t, a headache of massive proportions will be created once testing begins.
What do you do to make sure you don t screw this up? Have as many meetings as it takes to get it right.
What you need to do is sit down with the auditors, the department lead, the main employees responsible for performing the process, and anyone else whom could either play a role in testing or modifying the control in the future. Once that is done, Management should discuss what they determined the control to be and how it should operate, that is then reviewed by the auditors, and then the employees performing the tasks should be reconsulted to verify that the control still reflects their process accurately.
Many times people try to speed this process up and half-ass it, leaving many open items which upon testing could easily blow up into a huge problem. When the control isn t 100% agreed upon prior to testing and a deviation is noted, it s a tough call between failing the control and the ability to adjust it to accurately reflect the process. The problem is modifying a control after testing has begun is not proper and needs to be avoided at all costs.
Locking the controls locked down early on could save weeks in wrapping up your new SSAE 16 Report.
We have seen issues like this cause delays in issuing of the report to the client and running additional fees, since adjusting controls isn t free. Coming from the perspective of the auditor, we can let you know the pitfalls, consequences and how to best navigate the audit process. If you have any comments or questions please leave them below!

A SOC 1 Report (System and Organization Controls Report ) is a report on Controls at a Service Organization which are relevant to user entities’ internal control over financial reporting. The SOC1 Report is what you would have previously considered to be the standard SAS70, complete with a Type I and Type II reports, but falls under the SSAE 16 guidance (and soon to be SSAE 18 ).

Please see the following articles discussing the SSAE 16 guidance and additional information related to the SOC 1 (Type I and Type II) Reports:

In addition to the SOC 1 report which is restricted to controls relevant to an audit of a user entity’s financial statements, the SOC 2 and SOC 3 reports have been created to address controls relevant to operations and compliance and will be discussed in further detail in the future.

Please see the SOC 1 Reporting Guide page for additional information.

SSAE 16 is an enhancement to the current standard for Reporting on Controls at a Service Organization, the SAS70. The changes made to the standard will bring your company, and the rest of the companies in the US, up to date with new international service organization reporting standards, the ISAE 3402. The adjustments made from SAS 70 to SSAE 16 will help you and your counterparts in the US compete on an international level; allowing companies around the world to give you their business with complete confidence .

SSAE16 is now effective as of June 15, 2011, and if you have not made the necessary adjustments required, now is the time to find a quality provider to discuss the proper steps. All organizations are now required to issue their Service Auditor Reports under the SSAE 16 standards in an SOC 1 Report.

The soon to be effective, SSAE-18. is expected to follow a similar reporting structure to the SSAE-16 within a SOC 1 report.

Who Needs an SSAE 16 (SOC 1 ) Audit?

If your Company (the Service Organization ) performs outsourced services that affect the financial statements of another Company (the User Organization ), you will more than likely be asked to provide an SSAE16 Type II Report, especially if the User Organization is publicly traded.
Some example industries include:

  • Payroll Processing
  • Loan Servicing
  • Data Center /Co-Location/Network Monitoring Services
  • Software as a Service (SaaS )
  • Medical Claims Processors

What you Need to Know:

Before starting the SSAE 16 process, there are a number of considerations one must take into account that can save considerable time, effort, and money in the long run. Use the following items as a mini checklist for yourself:

  • Does my Company need an SSAE16, or, are we doing it just because someone asked?
  • Reports on the low end can run at least $15,000 a year, will the business lost be less of a burden than the cost of the report itself?
  • Does your company have defined Business Process and IT controls in place, or, will you need assistance developing and implementing them (readiness assessment)?
  • Have you determined the controls in place which affect the outsourced services being provided?
  • Have key stakeholders been defined and included in discussions?

There are many other issues to consider before engaging a CPA firm to help with your SSAE 16, for a more detailed checklist please see The SSAE 16 Checklist

You may have heard SSAE-18 is on the horizon for reports issued as of May 1, 2017. There are some important updates discussed in here: SSAE-18 An Update to SSAE-16 .

As the standard is formalized and the date approaches we will continue to provide more information to help you prepare for these changes.


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Small Claims #will #county #small #claims #court


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Small Claims

The Court Process

A small claims case is a legal action filed in county court to settle minor legal disputes among parties where the dollar amount involved is $5,000 or less, excluding costs, interest, and attorneys’ fees. Forms that have been approved for statewide use are located within the Florida Small Claims Rules. The clerk of court may also be able to provide you with copies of appropriate forms.

A small claims action begins by filing a Statement of Claim. Small claim cases should be filed with the clerk in the appropriate county. Filing fees for small claims actions are established in the Florida Statutes and local county ordinances, and are subject to change by legislative action. The clerk of court may be able to provide information on filing fees.

After filing, each person or business being sued must be served with a summons/notice to appear in court on a date and time scheduled when the initial claim was filed. A copy of the Statement of Claim should be attached as provided in the Florida Small Claims Rules. Additional fees are required for service of process on the parties being sued. The court may schedule an initial pretrial conference and also order the parties to mediation to resolve problems. Defendants may file counterclaims, set-offs, or third party complaints as provided in the Florida Small Claims Rules. Practice and procedure may vary from county to county. The clerk of court in the county where the action is filed should be contacted for local practices and procedures.

The court cannot collect money damages for you. You may wish to consult with an attorney for advice on how to collect a judgment.

Educational Videos

These videos will soon be available as an alternative to the text descriptions above. The videos attempt to provide information on common issues that self-represented people have in small claims cases. Please note that these videos are not legal advice, and cannot be relied upon as such. If you have questions about this video or about the small claims case process that are not answered by these videos, please consult an attorney.

The Small Claims Case Process (coming soon)

Forms Relating to a Small Claims Action

The forms that may be required for a small claims case may vary from county to county. For the most accurate information regarding the forms necessary in your county, please contact your county self-help or small claims office.

Additional Resources

The following is a list of additional resources that may be helpful in self-help cases.

Locations

For locations of courthouses, clerks’ offices, or legal assistance programs in each circuit/county in Florida, please refer to the State Map below. Identify the circuit in which your case will be filed and click on the blue circuit link below to see locations that may be important to you.

The State of Florida Map of Judicial Circuits

Directory (With Associated Counties)


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Global School of Supernatural Ministry – Global Awakening #global, #awakening, #randy #clark, #tom #jones, #will #hart, #paul #martini, #healing, #revival, #global #awakening, #heal, #miracles, #voice #prophets, #voice #apostles


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Global School of Supernatural Ministry

ONSITE
Global School of Supernatural Ministry is a one to three year practical ministry school. Classes, offered at the Apostolic Resource Center in Mechanicsburg, PA, place an emphasis on impartation and equipping students for a life spent walking in the supernatural.

The Global School student body is diverse in age, culture, ministry experience, and educational accomplishments. The Global School teaching faculty includes: Randy Clark, Leif Hetland, Georgian Banov, Patricia King, Doug Addison, Ray Hughes, Theresa Dedmon, Stacey Campbell, Sergio Scataglini and many others.

ONLINE
Global School of Supernatural Ministry Online offers a flexible learning schedule for those who are interested in pursuing ministry training, but aren’t currently able to relocate to Pennsylvania. Testimonies, worship, and daily teaching sessions are available for students to participate in at their convenience, giving them access to an interactive, live classroom setting right in their own homes.

SUMMER INTENSIVE
For those who are not able to attend a one to three year program, we offer Global Summer Intensive. A condensed version of the Global School, GSI is an intensive three-week practical ministry school. Held in June, classes run Monday through Friday at the Apostolic Resource Center in Mechanicsburg, PA. All of the faculty teaching at this school also teach in our Onsite program.

If you desire to see the Kingdom more clearly, have God’s power flow through you on a regular basis or have a passion to make a difference in your life beyond your natural ability, this school is for you!

For more information visit, gssmusa.com .


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How to Find Real Estate Keywords That Will Help You Rank High In Search Engines #search #commercial #real #estate


#commercial real estate search engine

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How to Find Real Estate Keywords That Will Help You Rank High In Search Engines

One of the most important actions you need to take when marketing your real estate business on the internet is to create a powerful list of low competition, highly searched for keywords. There are hundreds of different tools that you can use to find those keywords, both free and paid; at times, it can become overwhelming having so many options. In today s article, I am going to share with you a free tool that you need to use in order to find those powerful keywords, and here s the best part, it uses Google s database.

Where do you find this keyword Tool?

Finding this keyword tool is very easy. Why? Because it is provided by Google. Just head over to Google.com and type in: Google keyword tool. I can guarantee you that this keyword tool will appear in the first place on the first page. Hmm, I wonder why?

Here s a direct link to the tool: https://adwords.google.com/select/KeywordToolExternal

Step 1: Input your main keyword into the field provided. Let s say that you are targeting a phrase: sell house. Input that phrase into the field. Then, check the Use synonyms box, fill out the captcha field and hit the Get keyword ideas button.

Step 2: Google will now give you a list of about 200 keywords that are related to your main keyword. Once you are there, you will have to do the following: In the top right corner right above the keywords results area, there is an option called: Match Type. Click on that option and select Phrase. Now, all of your keywords will have quotes around the keywords.

What that means is that the number of search results Google gives you are the results for the actual phrases people searched. For instance, for a phrase sell my own house, Google will show you the number of times people search that exact phrase, sell my own house. They didn t search for sell my house or any other combination of that keyword. They searched for that specific phrase.

Why would you want to do that? Well, you want to use the phrase match to drill down on a more accurate number of searches for that keyword.

Step 3: Go through the list and hit the Add Phrase link to add keywords to your selected bucket of keywords. All you do now is just hit the Add phrase link and you ll add all of the different keywords you want to use for your business.

Now you have a list of keywords that you can utilize in your real estate business. But how competitive are those keywords? There is a simple and quick strategy you can use to see what kind of competition the keyword phrase has on Google.

Step 4: Here s what you do. Just copy the phrase, with quotes, and head over to google.com. Now paste that phrase into the search box and the number of results you are going to receive will give you an idea of how competitive that phrase is on Google. Obviously, the smaller the number of search results, the better.

I hope this short article helped you out. There are more advanced strategies for finding the keywords but I won t go into it; I like to keep it simple. If you have any questions, let me know and I ll answer them for you. Until next time,

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About Author

Peter Kolat is a Real Estate Internet Marketing genius. He’s been consulting for many real estate gurus in the real estate industry. His Free Internet Marketing Techniques helped many real estate investors agents dominate their real estate markets on the internet. No wonder he’s been called the “Polish Pulverizer.”

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