#OCRM

[michael-carroll]

OCRM - Programs for the Underserved

Based in Irvine, California, Michael Carroll is the founder and managing partner of CorpGen Counsel, which offers legal services to businesses at all stages of development. Michael Carroll and his Irvine firm also offer pro bono work to organizations such as the Orange County Rescue Mission. A nonprofit organization, the Orange County Rescue Mission provides assistance to the community in the areas of education, job training, shelter, food, health care, clothing, and counseling. To this end, they manage multiple programs, including: Trinity Law Clinic This clinic is located at the Village of Hope, a transitional residential space operated by the mission, and serves all rescue mission residents by helping them resolve legal issues that prevent them from achieving self-sufficiency. These services are free to residents. Hurtt Family Health Clinic This health clinic operates out of three sites in Santa Ana, Anaheim, and the Village of Hope, and provides quality medical, dental, and mental health care to the uninsured and underinsured. Residential programs The Orange County Rescue Mission operates numerous residential programs, including Strong Beginnings (for women who’ve escaped human trafficking) and Hope House (which is designed for teen girls at risk of homelessness). To learn more about these and other programs, visit www.rescuemission.org.

[centrodegradejoelle]

Copper touch: Degradé Joelle.🔥 ⠀ #hairstyling #hairstyles #hairgoals #beautifulhair #hairstyleoftheday #hairideas #fashionhairstyle #haircreation #hairgram #hairstagram #loveyourhair #wellastudionyc https://www.instagram.com/p/CAM5u2-oCRm/?igshid=eyfvgortjo8z

[damenace37ocr]

OCRM Network has teamed up with LegendBorne!! This is great news! . . OCRMLive gives you an exciting new way to get live race coverage and updates on your favorite OCR brands and athletes. Looking forward to the collaboration! . . Also here are some discount codes for future races!! 🤡👍🏽👍🏽 . . #LegendBorne #OCRM #OCRMNetwork #OCR #OCRMLive #Athlete #Race

[gaviganhomes]

Bull Point by Gavigan And new Homes underway NOI And NOCs filled

[therealhomeless]

OCRM Chosen as OC Times Readers' Choice Favorite Charity!

OCRM Chosen as OC Times Readers’ Choice Favorite Charity!

Recently, Orange County Rescue Mission was chosen by Times OC as the Readers’ Choice for Favorite Charity and Favorite Fun Run/Walk in Orange County! We are so overjoyed and thankful to be awarded this honor, and glad to hear that Orange County has as much fun each year at our Turkey Trot as we do – see the photos below for proof!

In all seriousness, we are so grateful to call Orange County home…

[the-rosie-blog]

Gde si bio? Kada je jastuk bio mokar jer su me u snu posetile zveri, kada sam prvi put rasekla koleno, kada me Mladen iz 3/1 povukao za kosu i rekao mi najružnije stvari. Gde si bio…kada mi je trebalo par reči ohrabrenja pred prvi koncert, kada sam dobila prvu jedinicu, kada sam imala prvu simpatiju? Gde si bio kada nisam mogla da zaspim, kada me plašio mrak i samoća? Gde si bio kada sam primila svoju prvu diplomu, drugu, petu, gde si bio? Gde si bio kada sam saznala za tvoje laži, kada je i ono malo nade počelo da se urušava, kada više nije ostalo ništa? Gde si bio kada su po moje prijatelje dolazili kada se noćni klubovi zatvore a ja stajala sama, čekajući da me neko njihov odveze do kuće? Uvek neko njihov, nikada moj ti. Gde si bio kada mi je bilo potrebno da vidim šta je snaga i sigurnost, gde si bio da mi pokažeš, da me naučiš? Gde si bio da mi u kosti urežeš da ćeš uvek biti tu, da budeš stub, oslonac, ono moje sigurno mesto kada je svet loš? Dok sam lutala grešno tražeći u drugima,u nekom starijem ko me podsećao na tebe, ono što nikada nisam imala, gde si bio da mi kažeš da usporim? Gde si bio kada sam počela da budem hladna, kada sam prestala da pokazujem emocije, kada sam zaćutala? Gde si bio tada da me pitaš, da mi ne dozvoliš da odem, da me zagrliš čvrsto i popraviš sve što što se urušilo na malim dlanovima? Gde si bio da me naučiš da ne moram sve sama, da je u redu nekada tražiti pomoć, osloniti se na nekoga? Gde si bio kada su mi bili potrebni odgovori, kada si bio jedini koji može da mi ih da? Gde si bio kada su deca bila zla i podrugljiva kada je još neizgrađeno samopouzdanje počelo pre vremena da dobija pukotine? Produbio si ih, trebalo je da ih zalečiš. Pobogu, gde si bio da ih zalečiš? Gde si bio kada je bilo vreme da nastavim dalje, da zakoračim u neki novi život? Tvoja ruka nikada nije mahala dok sam odlazila, tvoja ruka je bila razlog zasto idem. Gde si bio da mi pokažeš da te taj odlazak boli, da moj odlazak može da zaboli? Gde si bio da me naučiš da vredim, da imam toliko toga da ponudim, da ne treba da se plašim sveta i života? Gde si bio dok su moje kofere neki tuđi ubacivali u gepeke, uvek tuđi nikada ti? Gde si bio kada sam uviđala kako je drugima, u srećnim porodicama sa ocrm i osloncem, pa negde na trenutak zaboli i zadržim dah, pa poželim da ih uhvatim za ramena i ponavljam koliko su srećni? Gde si bio kada su mi slomili srce, gde si bio da kažeš da neće uvek biti tako, gde si bio da mi pokažeš da bar u tvojim rukama ono nikada neće biti taknuto? Gde si bio kada je strah obuzeo moje telo, zbog tvojih reci i postupaka, kada mi nije dopuštao da spavam ni da postojim, kada su se najgore misli nizale u mojoj zbunjenoj glavi? Ni sada nisi tu. Ali sad sam snažna, sada me ne plaši mrak, sada znam da se borim, da se čuvam. Sama. Naučio si me stvarima kojima nikada nisi ti trebao da me naučiš. Naučio si me kako da budem hladna, kako da okrenem leđa i odem kao da ništa nikada nije postojalo. Naučio si me da gradim zidove, visoke i čvrste, da gotovo niko ne može da ih slomi. Naučio si me da bežim kada mi je stalo, da se čuvam i kad volim, da jedno oko uvek bude otvoreno. Naučio si me da ljudi odlaze, da to treba da očekujem, da ja nemam ono što je potrebno da bi iko ostao. Pa ni ti nisi, zar ne? Gde si bio da ostaneš, kada je samo to bilo potrebno?

[the4thbranch]

Legislation News: S.2992 - Small Business Lending Oversight Act of 2016

The bill was introduced in the Senate by representative David Vitter (R-LA) on May 25th, 2016. Senator Vitter from the Committee on Small Business and Entrepreneurship filed a written report under authority of the order of the Senateon December 20th, 2016.

Bill Summary:

"This bill amends the Small Business Act to establish within the Small Business Administration (SBA) an Office of Credit Risk Management (OCRM) to impose specified administrative penalties, including monetary penalties, on any loan-financing lender that knowingly and repeatedly:

fails properly to determine and document that a small business loan is eligible for financing, including failure to document that a loan is eligible because theapplicant is unable to obtain credit elsewhere (from non-federal, non-state, or non-local government sources);

sells the guaranteed portion of a loan when the loan proceeds have not been fully disbursed in accordance with program requirements;

imposes on a loan applicant a fee that the SBA has not specifically authorized; or

re-amortizes a loan solely to make the loan appear current.

The SBA shall conduct annual risk analyses of its loan portfolio.

(Sec. 3) The term "credit elsewhere" shall expand beyond non-federal sources to encompass credit to an individual loan applicant on reasonable terms and conditions from non-state and non-local government sources, including but not limited to:

the business industry in which the loan applicant operates;

whether the applicant is an enterprise that has been in operation for less than two years;

the adequacy of the collateral available to secure the requested loan; and

the loan term necessary to reasonably assure the applicant's ability to repay the debt from the actual or projected cash flow of the business.

(Sec. 4) The SBA shall assess a separate fee of up to 0.03% per year of the outstanding balance of the deferred participation share of each approved loan, whose proceeds shall be used solely to support OCRM operations.

The SBA shall collect a fee (currently discretionary) for any loan guarantee sold into the secondary market in an amount equal to 50% of the portion of the sale price that exceeds 108% (currently 110%) of the outstanding principal amount of the portion of the loan guaranteed by the SBA.

(Sec. 5) The SBA shall also, at the end of each year, calculate the percentage of loans in a lender's portfolio made without a contribution of borrower equity when the loan's purpose was to establish a new small business concern, to effectuate a change of small business ownership, or to purchase real estate. This requirement applies only to a lender that makes loans under authority delegated to the lender as a participant in the Preferred Lenders Program. No new loan application without a contribution of borrower equity, except in certain circumstances, may be approved if more than 15% of the lender's loan portfolio is without such a contribution.

The SBA shall make end-of-year calculations, too, of industry concentrations for each such lender, using the applicable six-digit classification code under the North American Industry Classification System. No new loan application to a lender from a small business concern operating in a single industry, except in certain circumstances, may be approved if over 20% of the lender's loans are concentrated in that industry.

The SBA may not approve any loan if its financing is more than 100% of project costs.

(Sec. 6) A lender may use an outside agent or lender service provider to assist in identifying potential applicants and with processing, disbursing, servicing, and liquidating a loan.

With respect to an SBA loan for plant acquisition, construction, conversion, or expansion, including the acquisition of land, material, supplies, equipment, and working capital, as well as a loan to any qualified small business concern, no lender may, without SBA approval, sell an amount higher than 85% of the loan, or the percentage guaranteed by the SBA, whichever is greater."

You can view the full bill text here:

https://www.congress.gov/bill/114th-congress/senate-bill/2992/text?q=%7B%22search%22%3A%22the%22%7D&r=14

What are your thoughts on this bill?

#TheFourthBranch #LegislationNews #Congress #House #Senate #S2992 #USA #Politics #DavidVitter #SBA #Money #Lenders #Loans

[leviaajax-blog]

Why to pick Digital Advertising as Career

1. Digital Advertising Jobs Pay More Wages-- Rs 412,492 annually in India. 2. More job openings than various other IT professions- when I browsed" scope of electronic advertising and marketing work openings in 2018", certainly the following results popped up on top of internet search engine result web page (SERP) - Full-time task (5349 ) - Teaching fellowship job (1484 ) - Part-time job( 473 ) - Fresher job (422 ) - Walk-In task( 216 ). 3. Varied profession alternative- you can be placed in a business in among the below detailed work--. odigital advertising exec. oSEO Supervisor. oUser Experience exec. oContent advertising exec. oOnline Advertising and also Associate Advertising And Marketing. oPPC, Browse Supervisor. oSocial Media Manager. oDigital Advertising and marketing Supervisor. oWeb Style and also Growth. oMobile Advertising and also Development. oCRM and also Email Advertising Manager. To meet the developing fad of digital sector, bunch of electronic advertising training institutes have stroked the marketing. Not all, yet a few of those are using high quality digital advertising training with placement assistance to fresh grads. But prior to opting for an Digital Marketing Training, "self-preparation" is important which we are going to focus in today's post. Let's have a look--. Self-Search We are listening to about digital marketing pattern and from different sources, from technical magazines, from any kind of technology blog site, friend zone or social media. Stop yourself from running behind as well as begin research on your own. Unlike clinical or mechanic design, electronic marketing can be self-learnt. Thousands of pertinent tutorials, YouTube video clips as well as slide shares are available online for reference. You can sign up with digital advertising and marketing forums in LinkedIn for trendy electronic advertising news as well as techniques. Additionally, various digital advertising method example questions and tests are available online, which may aid you exercise on your own. Beginning Your Own. Surf out Net as well as gather information on digital advertising. Add on understanding and afterwards start blogging. Nowadays individual blogs are the essential to target business world. It supplies you a space of your own to display your understanding and glance in the direction of digital advertising. Training from Digital Marketer. In addition to mind-mapping, know-how on advertising devices is important. Undoubtedly some of those are available free of cost online however some costs registrations are tough to obtain. Now of time, an Digital Marketing Training institute helps you out. Few days earlier, I got a promotional mail declaring to supply extensive digital advertising courses with tool evaluation, training product aid, and also positioning help. For this reason, it is simple for you to obtain a high paying task with a certification of digital advertising. Industry Networking. The knowledge purchase team or human resource administration team in an organization first looks for reference candidates before browsing from work portals. For this reason, it is advisable to develop your network by speaking to buddies' circle, and likeminded people. By this, there is a greater possibility to be hooked at great company with a good-looking income. Mindset Issues. Your individual blog sites, sites, social media sites mention your digital marketing expertise as well as your body movement, writing circulation, and also networking states your attitude. This is the keyword phrase you can claim through which there is a greater chance of being discovered by recruiters. In meetings, companies examine a candidate based upon the perspective and also passion in the direction of the job. Bring an inviting character and bridegroom yourself prior to attending an interview. Idea. If you are a homeowner of Hyderabad, then do visit Geekschip Institute for electronic marketing course in hyderabad. This institute is using comprehensive digital advertising training by industry specialists and also placement help as well. Plan your job and compose back to learn more

[adhdokie]

01:55 // Tuesday 25th August

finally done condensing my organic chem reaction mechanism lecture notes into like 8 pieces of a4 sized paper!!! (feat. Watermelon baby [my new pencil case from korkor c:])

they’re kinda pretty too c:

I feel like posting them up individually hmm… (should I?? HAHAH I worked hard on them) (with loads of misspelling and frustration with squeezing info in between /coughs/)

last paper tomorrow /o/!! but I should study next semester’s rushed module instead of let go completely.. (or maybe fix the 3d apple puzzle I just got [thanks again kisa!!] and make hoohaku plushies haha [more thanks @ korkor!!])

it’s late already so good night! (Morning)

drop me a reply/ask/reblog(?) if anyone wants to see the rest of my notes haha–

[leeflife]

Happy birthday to our very own @misterleef 🍃 26 years of greatness and many more to come! #misterleef #leef #leeflife #green #brand #birthday #26 #ocrm #loveequally #evolvefreely #love #equally #evolve #freely #🍃

[damenace37ocr]

View this post on Instagram

A post shared by Danny “Da MENACE” 🇵🇷 🦁 (@damenace37)

My favorite obstacles are the grip strength obstacles, since to me they are the most fun in an OCR. Something about swinging around like a monkey, and seeing what new rig I can challenge myself with. . . Which is the main thing I like about Savage Race. They always have some pretty unique rigs and grip strength obstacles. SawTooth being the one they’re probably known the most for. Think monkey bars on steroids. That’s Sawtooth! . . Plus it’s over a pool of water. Which makes it even more intimidating when you hear people around you falling in and you’re desperately trying to hold on! . . I made 2 mistakes on it this race. First you can’t see it in the video but you can hear me yell when I hit my head against one of the poles when I pulled myself up. I had to chicken wing it to hold on. Second, I lost track of where I was and ended up in the other lane, so I had to reach over to get back into my lane. Luckily I was able to recover from both and complete the obstacle. . . Thanks to OCRM for the awesome video footage!! 🎥 (at Kennedyville, Maryland) https://www.instagram.com/p/Bxc0iRXg8c8/?utm_source=ig_tumblr_share&igshid=4w3jw3wuhk9x

[taz-al-ghul]

Last night we were able to drop off more than 2000 items of clothing to the @ocrescuemission thanks to all the ladies of #missnewportcoast. Amazing work and so proud to see people putting in the effort to give their local community a helping hand👍👏🍃🌲 #leeflife #ocrm #greatestnation #donation

[therealhomeless]

OCRM is "Activated" for COVID-19 Emergency Services

OCRM is “Activated” for COVID-19 Emergency Services

In the early phases of planning the Village of Hope, we saw the potential of serving our local and even national community with emergency services and disaster relief. We have provided services during several wildfires and for Hurricane Katrina victims.

And now, the Orange County Emergency Operations Center has activated our Village of Hope campus and staff to provide logistical support and…

[anytthingbutordinary]

My little Gabe! So adorable. #ocrm #voh #orangecountyrescuemission #villageifhope #work #cute #adorable #littleboy #handsome #love