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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.

Abortion Complications, Risks Of Terminating Pregnancy, what is it like to have an abortion.#What #is #it #like #to #have #an #abortion


What is it like to have an abortion

What is it like to have an abortion

The following quotations are taken directly from medical and psychological studies on teen abortions.

What is it like to have an abortionAbout 20 per cent of all abortions taking place in the U.S. today are performed on teens. Teenage abortion has been linked to a number of physical and psychological problems, including drug and alcohol abuse, suicide attempts and suicidal ideation, and other self-destructive behaviors.


Types Of Physical Complications

The number and types of physical complications resulting from abortion are as diverse as the various abortion methods. Depending upon the type of abortion performed, physical complications can be as follows:

– Cervical tearing and laceration from the instruments.

– Perforation of the uterus by instruments. This may require major surgery, including hysterectomy.

– Scarring of the uterine lining by suction tubing, curettes, or other instruments.

– Infection, local and systemic.

– Hemorrhage and shock, especially if the uterine artery is torn.

– Anesthesia toxicity from both general or local anesthesia, resulting in possible convulsions, cardiorespiratory arrest, and in extreme cases, death.

– Retained tissue, indicated by cramping, heavy bleeding, and infection.

– Postabortal syndrome, referring to an enlarged, tender and soft uterus retaining blood clots.

– Failure to recognize an ectopic pregnancy. This could lead to the rupture of a fallopian tube, hemorrhage, and resulting infertility or death, if treatment is not provided in time.

Types Of Physical/Emotional Complications

Some women experience immediate psychological problems from abortion. Other women repress feelings of guilt, delaying emotional reactions sometimes for several years and oftentimes triggered by their first planned pregnancy.

What is it like to have an abortion

These complications include:

– Sudden and uncontrollable crying episodes.

– Deterioration of self-concept.

– Sleep, appetite and sexual disturbances.

– Disruption in interpersonal relationships.

– Extreme guilt and anxiety.

– Depression and thoughts of suicide.

New Studies Connecting Abortion To Broader Problems:

Suicide – Compared to pregnant women who had their babies, pregnant women who aborted were 6-7 times more likely to die of suicide.

D. C. Reardon et al, “Deaths Associated With Pregnancy Outcome: A Record Linkage Study of Low Income Women,” Southern Medical Journal 95(8):834-41, Aug. 2002

Substance Abuse – Women who abort are five times more likely to report subsequent drug or alcohol abuse than women who deliver.

American Journal of Drug and Alcohol Abuse, 2000

Among women who had unintended first pregnancies, those who had abortions were more likely to report, an average of four years later, more frequent and recent use of alcohol, marijuana, and cocaine than women who gave birth.

American Journal of Drug and Alcohol Abuse, 2004

Psychiatric Treatment – A review of the medical records of 56,741 California Medicaid patients revealed that women who had abortions were 160% more likely than delivering women to be hospitalized for psychiatric treatment in the first 90 days following abortion or delivery. Psychiatric treatment rates remained significantly higher for at least four years.

Canadian Medical Association Journal, 2003

In a study of U.S. and Russian women who had abortions, 65% of U.S. women experienced post-traumatic stress disorder, which they attributed to their abortions. 60% of the American women reported that they felt “part of me died” after their abortions.

V. M. Rue et al, “Induced Abortion and Traumatic Stress: A Preliminary Comparison of American and Russian Women,” Medical Science Monitor 10(10):SR5-16, 2004

Infertility and Life-Threatening Reproductive Risks – Abortion can damage reproductive organs and cause long-term and sometimes permanent problems that can put future pregnancies at risk. Women who have abortions are more likely to experience ectopic pregnancies, infertility, hysterectomies, stillbirths, miscarriages, and premature births than women who have not had abortions.

T. Strahan, Detrimental Effects of Abortion: An Annotated Bibliography with Commentary (Springfield, IL: Acorn Books, 2002, 168-206

Subsequent Children Negatively Affected – The children of women who have had abortions have less supportive home environments and more behavioral problems than the children of women without a history of abortion. This finding supports the view that abortion may negatively affect bonding with subsequent children, disturb mothering skills, and otherwise impact a woman’s psychological stability.

D. C. Reardon et al, “Psychiatric Admissions of Low-Income Women Following Abortions and Childbirth,” Canadian Medical Association Journal 168(10):May 13, 2003

One study found that women with a history of induced abortions were 144% more likely to physically abuse their children than women who had not had an abortion.

Priscilla K. Coleman et al, “Associations Between Voluntary and Involuntary Forms of Perintal Loss and Child Maltreatment Among Low Income Mothers,” Acta Paediatrica 94, 2005

Abortion is linked with increased violent behavior, alcohol and drug abuse, replacement pregnancies, depression, and poor maternal bonding with later children. These factors are closely associated with child abuse and would appear to confirm a link between unresolved post-abortion trauma and subsequent child abuse.

Reardon, Aborted Women, Silent No More (Springfield, IL:Acorn Books, 2002) 129-30

Teenager Dies After Taking Abortion Pill:

What is it like to have an abortionSan Francisco (AP)- Holly Marie Patterson went to a Planned Parenthood clinic to quietly consider ways to handle a life change she wasn’t ready for. One week later, the 18-year-old lay dying on an emergency room table, the victim of complications after she took the abortion pill.

Her death has already caused her grief-stricken father to hope that the tragedy will encourage other women considering abortion to seek support, especially from their families.

Holly Patterson, who lived in the San Francisco suburb of Livermore, visited a Planned Parenthood clinic Sept. 10 to take the pill. She followed the prescribed procedure for using RU-486, taking two more pills at home in the following days.

After experiencing bleeding and cramps so severe that she was unable to walk, her boyfriend rushed her to the hospital, where she was given painkillers and sent home. She was back in the hospital a few days later and died Sept. 17.

Monty Patterson said he learned from an attending physician at the hospital that she had died after a massive infection caused by fragments of the fetus left inside her uterus caused her to go into septic shock.

What is it like to have an abortion

An introduction to FCAT benchmarking #basically, #able, #article, #card, #computer, #couple, #dynamics, #framerate, #frames, #game, #graphics, #have, #introduce, #look, #looking, #measuring, #months, #muhc, #normal, #number, #past, #performance, #second, #seen, #simply, #some, #there, #this, #towards #fcat, #very, #will, #your


An introduction to FCAT benchmarking – Article

Benchmarking Graphics Processors – The New Style

The past couple of months, we have seen some interesting dynamics in measuring the framerate of your games versus graphics cards. Basically the framerate of your game is, simply put, the number of frames per second your computer and graphics card are able to render. It is the most common way of looking at graphics card and game performance really.

There’s a problem that started floating at the surface for a while now, FPS does not say much as to what you see and experience on screen thus on your monitor, in certain conditions you can get a little stuttering every now and then. E.g. FPS will not say a thing about graphics anomalies. Up-to a while ago nobody really cared that, and some of you perhaps think that is the best way to approach this. Do you really care of you see a small stutter every now and then for a fraction of a second maybe split-second? The answer to that is two fold. Some of you, the more enthusiast end users, do while other’s don’t. And as such lately we have seen websites posting frame-capture and frame time results.

Being trendy – websites jumped onto it and are using FRAPS, but the thing is. if you want to expose game stutters you probably should not use FRAPS. Here’s why:

FRAPS measures directly at the game engine, and that’s different from what you see on screen on your monitor. For FPS that is not really relevant, but if you want to measure frametime then at the end of the graph shown above T_Display is where you need to be. See, a lot of other stuff is happening after FRAPS measures. Now realistically for single graphics cards, measuring frametime (or as what like to call, frame experience) FRAPS is sufficient. However in multi-GPU setups FRAPs just does not detect all information and as such a lot simply does not show up, in the created charts that many websites including ourselves have been demonstrating.

It will get even weirder as it also works vice versa, sometimes FRAPS records stuff that isn’t visibly there on your monitor. To do frametime recordings right (the proper way) we need to take a more academic approach. not measure at Game engine level, but at the monitor output as that is the hotspot as to what you see on your screen. How can we accomplish that? Well, with a framegrabber and a complex software suite which we’ll be showing and introducing today. It is called FCAT, short for Frame Capture Analysis Tool. It is a set of tools that derives from the NVIDIA performance laboratory. Now please don’t throw objectivity and subjectivity concerns at us as yes, this methodology is coming from NVIDIA. Let me state upfront that pretty much all software and scripts can be read out as source code and the simple truth is that the FCAT benchmark method can’t see the difference in-between AMD and NVIDIA graphics cards as we look at rendered frames, we are not measuring inside the graphics card(s).

Before you read onwards, this article is more a bit more scientific, complex and academic opposed to what you are used to. This is not everybody’s cup of tea alright. But I wanted to show what we are doing and how we are doing it as transparant as can be. Now then, our FCAT solution requires multiple thousands EUR worth of hardware and is not something you can easily recreate at home. I also left a lot out in terms of complex issues and will take a very simple to understand approach, which hopefully, the majority of you guys and girls can understand. This article is a first in sense that it is an introduction to added benchmarks you are going to see integrated in Guru3D GPU reviews.

Let’s first discuss a little about FPS vs Frametime, the methods and challenges ahead.

Meet the FCAPS setup – two new dedicated PCs and two monitors merely for a handful of plotted graphs.

An Introduction to Carrizo – AMD 6th Gen APU
AMD today launches their Carrizo based Mobile APUs, the new APU architecture makes use of Excavator CPU cores and up-to eight GCN 1.3 based graphics cores.

An Introduction to HBM – High Bandwidth Memory
AMD briefed selected press on HBM – High Bandwidth Memory. This new type of graphics memory is going to change the para dime in the graphics industry when we are talking about using less power, small.

An introduction to FCAT benchmarking
In this article we will introduce you towards FCAT benchmarking. The past couple of months we have seen a some new dynamics in measuring the framerate of your games. Basically the framerate of your.

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The firm may or may not have glass sheets of this specific size. The objective is to identify glass sheets, from the inventory on hand, which match customer specifications. If there is no exact match, then one must be able to obtain all inventory items which have the same Thk (MM) and CAT as the customer specified dimensions but the Length and thickness should be more than equal to the customer specified dimensions. The length and width can then be trimmed to match the exact customer dimensions. Furthermore, the result returned should:

  1. List only the Top 30 glass sheets available in inventory; and
  2. List those Top 30 glass sheets in ascending order of wastage (wastage caused when the glass sheet is trimmed to match the customer specified dimensions)

You may refer to my solution in this workbook. I have shared two solutions – one using Excel formulas and the other using Power Query a.k.a. Get and Transform in Excel 2016. Please read the Comments in cells F1, J9 and J16 of the “Solutions” worksheet. The difference between the 2 solutions is:

  1. Formula driven solution This is in range J10:AM14 of the Solutions worksheet. This is a semi dynamic solution (as compared to the Power Query solution). To get the models in ascending order of wastage, one will have to create an Area column in the base data and sort that column in ascending order.
  2. Power Query solution – This is in range J17:AM21 of the Solutions worksheet. This is a dynamic solution. Just change the customer specified dimensions in range G2:J2 of the Data and Query worksheet. Thereafter just right click on any cell in the range below and select refresh.

Posted by Ashish Mathur on November 2, 2016

Here is a simple four column dataset

A simple Pivot Table (with a slicer) created from this dataset looks like this

The objective is to determine the Top 3 users of each week for each slicer selection. Unfortunately, there is no way to sort multiple columns of a Pivot Table all at once. Once may either sort by the Grand Total column or by the individual week wise columns. Since we do not want to sort by the Grand Total column, the only way out is to sort the individual week wise columns. The expected result should look like this:

I have solved this problem by using CUBE formulas. You may refer to my solution in this workbook .

Posted by Ashish Mathur on September 20, 2016

Here is a small sample of a Project matrix which shows tasks to be accomplished for various projects. There can only be upto 6 tasks per project.

From these two tables, one may want to generate another table showing which employees can be assigned to which project (only those employees should be assigned to a project who can complete all tasks). So the ideal solution is to create another column (8th column) in the Project matrix table above which should have a drop down (Data Data Validation) for every project showing which employees are competent for that project.

Here’s an illustration :

Assuming that the Project matrix is in range A1:G4 (headers are in row 1)

  1. In cell H2 (for Project1), the drop down should show Jane, Lynda, Paddy and Tom. Mary should not appear there because she cannot perform one of the 3 tasks required to complete the project i.e. Gardener.
  2. In cell H3 (for Project2), the drop down should show Lynda, Paddy and Tom. Jane and Mary should not appear there because they cannot perform the Digging and Engineering tasks respectively.

The solution is dynamic for the following:

  1. Projects added to the Project matrix Table; and
  2. Tasks added (upto 6 only) or edited in the Project matric Table; and
  3. Employees added to the Competency matrix Table; and
  4. Tasks added to the Competency matrix Table

I have solved this problem by using:

  1. Power Query; and
  2. Formulas in Data Data Validation.

You may download my solution workbook from here or here .

The objective is to generate the numeric code for text code of any length entered in a certain cell. For example, a user will type a certain text code, say ABEJ and the expected result should be 1250. For JABF, the result should be 0126. The text entry and text length are both user determined.

With ABEJ, typed in cell D2, enter this array formula in cell E2

This formula can now be copied down for generating the numeric code for all text codes entered in column D.

Posted by Ashish Mathur on January 28, 2016

Assume a simple two column dataset with dates in column A and numbers in column B. The dates in column A are from January 1, 2013 to December 31, 2016 and numbers in column B are for the period January 1, 2013 to December 31, 2015 (there are no numbers for January 1, 2016 to December 31, 2016).

The objective is to “Compute an average for each day of calendar year 2016. The average should be for the occurrence of that day in the previous 3 years”. Here’s an example:

1. January 1, 2016 was a Friday (the first Friday of 2016) and is in cell A1097
2. In cell B1097, the average should be computed as: Average of the “First Friday of each of the previous 3 years”
3. January 8, 2016 was a Friday (the second Friday of 2016) and is in cell A1104
4. In cell B1104, the average should be computed as: Average of the “Second Friday of each of the previous 3 years”

I have solved this problem with the help of the PowerPivot. You may refer to my solution in this workbook .

Posted by Ashish Mathur on January 17, 2016

Given this dataset, one may want answers to the following questions:

1. Of all those passengers who originated their journey (City of Origin) from Chandigarh, how many terminated their journey (City of destination) in New Delhi via different modes of transport; and
2. Of all those passengers who terminated their journey (City of destination) in Jammu, how many arrived in Amritsar (City of Origin) via different modes of transport; and
3. Of all those passengers who travelled by Bus, how many travelled from City A (City of Origin) to City X,Y,Z (City of destination)

While one can analyse/slice and dice this data using Pivot Tables, one cannot visualize this data very clearly (even after creating a Pivot chart). I have attempted to visualize this data using a software called PowerBI desktop (a free for download and use Business Intelligence software from Microsoft which rolls all of Excel’s BI tools into 1 – PowerPivot, Power Query, Power Map and Power View).

You may download the source Excel workbook and the Power BI desktop workbook from this link .

You may also watch a short video here:

Posted by Ashish Mathur on November 13, 2015

In this workbook. I have Sales data of an E-Commerce Company for 3 months. The typical columns in the base data are:

1. Order Date/Time
2. City to which orders were shipped
3. Order Number
4. Payment Type i.e. Cash on delivery, Net Banking, EMI’s
5. Order Status i.e. Delivered or cancelled
6. SKU’s which the ordered items fall into
7. Products which the ordered SKU’s fall into
8. Categories which the ordered products fall into

Given this simple tabular representation, one may want to analyse and visualize this dataset from multiple perspectives based on user selections, such as

“What was the revenue earned from the Top 5products in the A100 category in April for orders shipped to New Delhi ?”

In this query framed above, the end user should have the leeway to select any/all of the underlined facets. So one can either choose revenue earned or Number of orders. Likewise, one can either select Top 5 products or Top 15 products/Top 5 SKU’s etc.

With relative ease, one should also be able to “Perform an affiliate analysis” showing which categories are ordered together (to study affiliations). Please review this post for an independent discussion on “Affinity Analysis”.

Furthermore, one should be able to perform a free form timeline search such as – “I would like to study growth in Total revenue of March 2-8 2015 over Feb 1-4 2015”

You may download the workbook from the link shared above.

You may watch similar videos showcasing the capabilities of Business Intelligence in MS Excel:

Here’s a video showing the capabilities of this Sales data model

You may also watch this short video to see how I visualized the revenue flow from Categories to Shipping cities during different Order periods using Custom visuals available in PowerBI desktop.

Please feel free to download the PowerBI desktop workbook of the video shown above from here .

For a detailed overview of Sankey diagrams (a Custom visual available in PowerBI desktop), you may refer to my Blog article here .

Another great Custom visual (Sand Dance) which allows data discovery has been shown at this link. At that link, you will also be able to see how I queried the underlying dataset using “Natural Language”.

The 7 Must Have Auto Body Tools You Need #auto #movers

#auto body tools

When getting started with auto body repair, let s face it you need some auto body tools.

You may be a hobbyist or you may be looking into auto body as a new money making venture for yourself

Whatever the case is, if you want to paint a car and start doing up your projects, you need to start building your tool chest.

Today we re talking about the 7 most common auto body and paint tools that you ll probably end up needing in the near future if you already don t have them.

Here s a List of The Most Common Auto Body Tools That You ll Need To Get Started in Auto Body and Paint

1. Air Compressor

If you re serious about painting cars or bikes, then you ll want an air compressor that will last you the years to come.

I recommend picking up a 240V 60 gallon with a 5-7 HP setup.

(See detailed post on the best size air compressor you need here).

It s perfect for painting a car, or a large van and will power all of your air tools with ease. It s a workhorse that you ll be proud you bought. Bigger is better when it comes to compressors.

If you want something small and only plan on painting touch ups and motorcycles then a 25-35 gallon air compressor will work for you.

SIDE NOTE. You can and I have painted a full car with a smaller 30 gallon tank. You just need to keep your eyes and ears on the pressure fluctuation and adjust accordingly while your painting I don t recommended it,  but it can be done.

2. HVLP Spray Gun

You need a spray gun to paint correct?

I get asked all the time Tony what kind of gun should I get? I always reply with get what you can afford? . If you can afford a $600. SATA, then get it. It will definitely show a difference when laying your paint.

Just remember that you don t need the BEST gun when getting started. When I first started painting, I started with a $100. Astro spray gun.

I don t even think it was a HVLP. But I painted for at least a year or two with that gun. As you get better, increase the quality of your gun. You ll start to notice that your paint jobs start to come out better and better.

In closing, get what you can afford. If I had to recommend a good starting spray gun it would be a Warwick. Check out our reviews on them here. For $150 $250 you can get a great starting gun. (See a complete video and run down on automotive spray guns here).

3. Dual Action Sander

Now, This is not really a MUST-HAVE, but will save you a TON of time with basic sanding and body filler shaping.

Get one if you can afford it. They cost anywhere from $50. $175. (see a complete post on Dual Action sanders here).

I show you exactly how you can use one of these to cut some MAJOR time off of your body work and sanding times. Don t worry, all of these strategies are located in our VIP course and you can learn more about that here.   Let s get you on the FAST track to repairing and refinishing your project!

4. Slide Hammer/ Stud Welder

If you re planing on repairing some form of dents and pulling out panels then one of these is a must.

You can go with a cheaper version and get a basic slide hammer which uses screws and hook adapters to pull out dents.

Or your other option is to invest in a electric style stud welder.

When they first came out you d see them selling for $350. $450. Nowadays you can pick them up for under $190. Not bad!

If on a budget, don t count out local swap meets or local online classifieds to find great used tools. I ve had many VIP members score compressors and a ton of auto body and paint tools from and other popular classifieds online for fractions of what it may have cost if they had bought them new.

If you re not sure how to use one of these, don t worry because we have step-by-step videos in our VIP area that will walk you through the entire process and show you how to use these same tools with maximum results and success.

Yes, we also show you insider sneaky tips and tricks that only auto body pros know about

5. Autobody Hammer and Dolly Set

Ready to whip panels back into shape? Ready to be the real deal with the steel?

Then get yourself a nice autobody hammer and dolly set. You ll need em. Expect this set to cost anywhere from $30 up to $150 for a brand name set like Eastwood.

This is a set that you ll probably buy once in your life. I still have and use my fathers originals. If you get the wooden handle kind, the handles are the only part that you d end up replacing over the years.

6. Autobody Sanding Blocks

We all need a sanding block. My favorite is the Holy Block (picture below) they work really well for me. Wet or dry, you re good to go.

Durablock is another great brand with all types of shapes.

Sanding blocks ate crucial when doing autobody repair. You need them when color sanding and buffing. You need them for shaping body filler and you need them to help to cut high spots and to find low spots in your bodywork.

Auto body blocks are a must-have in the tool box and there affordable.

7. Body Filler/ Bondo Spreader and Putty Knives

Putty knives or Bondo spreaders are used to mix body filler aka (Bondo ). You can get them in metal or plastic.

I used to like the metal ones because they d last longer. When they get caked up with filler you can clean them fairly easily with your DA sander or on a wire wheel.

What I don t like about metal putty knives is, once your finished applying your filler, you need to clean them right away. If you don t, it s a little harder to clean than the plastic type.

With the plastic applicators, after your finished spreading your filler, you can basically leave the Bondo on it. After it hardens, you can easily peal it off and you re ready for mixing and application.

That s why I rather use the plastic ones now days. Below you ll see both types of applicators. Metal and plastic.

PHEW . That was a lot of information!

Now, don t get me wrong.

You can do bodywork without a few of these tools such as the DA sander and Hammer set but you ll be very limited on what you can repair.

And over time, you ll probably end up adding more tools to your man cave, but for now I really think these 7 tools above are the basics and essential for completing some awesome auto body repair and paint jobs.

Auto body tool links

-Car Lift

-Spot Welder

-Mini Frame Machine

I hope you enjoyed this post and I hope that it was VERY helpful for you and gave you an idea of what you can build up to. A home garage can be an awesome place to hang out

Want to learn more? Experience our VIP program today   Check this link out here   to see why THOUSANDS of VIP members are raving about our awesome Auto Body VIP course and private community support. It s all Risk-Free and 100% Guaranteed.

I want to refinance my car loan but I have bad credit, and now I m looking for best company to refinance auto loan – Get tips here #auto #transport #quote

#auto refinance with bad credit

I want to refinance my car loan but I have bad credit, and now I’m looking for best company to refinance auto loan – Get tips here

The refinance auto loan with bad credit has become increasingly popular. That is why it has also become a common part of most online auto finance companies, lenders and dealers product portfolios. A lot of these online auto finance companies review their interest rates regularly so that their customers can take the advantage of beneficial offers. The auto refinance car loans make sense when car owners and car drivers are fortunate to finance lower than their standard rates. The online broker companies help vehicle owners across the country get lower interest rates on any motor vehicle. The online company information has become greater resources for auto refinance car loans with bad credit solutions.

The information on refinance auto loan with bad credit history is published and reviewed online regularly. Car owners who are just realizing that their monthly car payment is becoming a burden should make use of these information guidelines. Most car buyers are usually saddled by lenders and dealers with higher than standard interest rates at the time of purchase. They usually expect car buyers to go in for auto refinance as soon as their credit scores improve. The increasing database provides far more options than ever before to car buyers with unaffordable monthly car payment. Such customers must check out the new specifics added on to the database by car loans finance companies. The refinance auto loan for any vehicles is open to direct access. This online tool is helping lots of car buyer s review multiple companies offering the refinance packages.

The best refinance auto loan with bad credit is not going to drop in anyone s lap. For this credit challenged consumers customers should make a proactive effort and check out the options available to them online. There are plenty of refinance auto loan with bad credit solutions available if only the customers looking for them in the right places. The new uploaded database can generate a mixture of local as well as regional auto finance companies, lenders and dealers to customers. This will help them in locating the lowest interest rates for auto refinance car loans. The internet makes for real time competitive offers because every company wants to clinch the deal before their competitor wins.

The online databases are reliable resources for the best company to refinance auto loan with bad credit for any customers. The car owners and car drivers across the country are looking for any which ways to lower their car loans repayment. These borrowers have a simplified process at their disposal to locate the auto refinance auto finance companies, lenders and dealers. They can lower their monthly car payment burden without having to negotiate with their current banks or lenders and dealers. The online database gives the latest competitive rates for refinance auto loan with bad credit solutions.

The latest program launch of the online database search tool gives enhanced strategy. Customers can now find their information on product and services from the auto industry online to make simple and quick decision.

If You Have A Job We Offer Guaranteed Approval Bad Credit Loans #auto #repair

#bad credit auto loans guaranteed approval

If You Have a Job We Offer Guaranteed Approval Bad Credit Loans

Most people incur bad credit at one point in their lives, because some problems may arise in the middle of the repayment, causing some difficulties to repay the loan. Studies say that a big percentage of American borrowers have histories of bad credits once, twice, or in many times while in debt. And so this is reflected in what we call the credit score.

A credit score is a numerical expression based on a statistical analysis of a person’s past credits, which manifests the creditworthiness of a certain borrower, which predicts the likeliness that he may be able to pay in time and well. This is used by banks, and other lending institutions to determine whether to approve an application for a loan of a certain individual.

A credit score lower than 700 means bad credits or a bad credit score, and this signifies the possibility that you may be denied or be hesitated upon by the credit investigator. As the borrower, you may think that with the past delinquent credits that you had, you may never be able to acquire a loan again.

But lenders, which does not necessarily mean the bank or another major lender, but those other ones may actually grant you a loan even when you have bad credits. Moreso, it will not take a long process of credit investigation, which will impede the approval of a loan. Guaranteed approval bad credit loans are now within your reach and it may take no more than a blink.

Guaranteed Approval Bad Credit Loans are loans that will not be taken against you as the bad credit borrower of the past. Lenders are now extending their hands to those who have bad credits, but may have stable income, or a home to guarantee in support to a loan. These loans have almost a 100% of being approved, and instantly!

Guaranteed approval bad credit loans take anywhere from an hour to 24 hours to obtain a grant, and have your much needed money deposited to your account. Of course these kinds of loans have very high interest rates, as a palladium that you will not duplicate your bad credit history.

This serves as a binding by the lender to the borrower. Lower loans usually just need a proof of stable income, while for bigger loans, the lender might require that you be a homeowner, and therefore, use this as a collateral for your loan.

Guaranteed Approval Bad Credit Loans require the least credit investigation or review of credit scores as long as there are other assets that will vouch your credit status. These, though are for major loans. Borrowers of minor loans or loans ranging from $100 to $500 may only be required to submit proof of stable income.

Of course, good credit scorers are not usually given these higher rates, because they may be more probable to pay in time and well. So given a bad credit history, Guaranteed approval bad credit loans are already a good bargain.

As a borrower, one must consider to compare lenders’ rates and get the best deal for a loan. This way, they can be granted loans to their benefit. Guaranteed approval bad credit loans are available in many ways like lending institutions or online.

CARSTAR Auto Body Repair Experts offers financing for your vehicle repair when you have an auto accident. #used #hondas

#auto collision repair


It s traumatic enough to be in an accident. Unfortunately, paying for the repairs afterward can be just as stressful. You need your car now, even if you don t have the money now, because life won t wait around for you. That s why CARSTAR offers the CarCareONE credit card. Rest easy and get your car fixed, then pay for it later down the road.

No Interest If Paid In Full In 6 months* on purchases of $299 or more with your CARSTAR/CarCareONESM card. Interest will be charged to your account from the purchase date if the promotion balance including optional charges, is not paid in full within 6 months or if you make a late payment. Minimum Monthly Payments Required. Click here to download a financing application form.

*Valid on minimum purchase of $299 on CARSTAR/CarCareONESM card account. On promo purchase balance, monthly payments required, but no Finance Charges will be assessed if (1) promo purchase balance paid in full in 6 months and (2) all minimum monthly payments on account paid when due. Otherwise, promo may be terminated and treated as a non-promo balance. Finance Charges accrued at the Purchase APR will be assessed from purchase date. Regular rates apply to non-promo balances, including optional charges. Promo purchases on existing accounts may not receive full benefit of promo terms, including reduced APR if applicable, if account is subject to Penalty APR. Payments over the minimum will be applied as required by applicable law. As of 9/20/2012, APR 28.99% on all accounts in default, Penalty APR: 29.99% . Minimum Finance Charge $2.00. Subject to approval by GE Money Bank.