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Answer Upon - How to Start a Business in Panama
Prospecting leads is hard enough but using an affiliate program makes it easier. What an affiliate program is, is where you are allowing other marketers to sell your product or program. You only have to pay when they make a sale. They have to cover all the marketing expenses out of their own pocket, which is great for you. The key is to make sure you reward your affiliates accordingly and make things as easy as possible for them.First we need to get an affiliate program set-up. So go to your favorite search engine and look up affiliate program systems. Find the affiliate program you are most comfortable with and go with them. They will install everything you need and explain how to use their system. Your prospecting for leads will get easier because your affiliate program is in place.Next we need to find affiliates. You can advertise wherever you please but I would suggest advertising for affiliates on http://clickbank.com. Remember the higher the commissions are that you pay, the better the affiliates you will get. If you only pay 10% of everything they sell you will not land the big affiliates. Try 50% and watch what happens. Here is a very good tip: Go to http://elance.com and hire people to get power affiliates for you. Only pay them 10 bucks per power affiliate they get and only once the affiliate has signed up with you.Once you have your affiliate program in place all you have to worry about is getting new affiliates. Always reward your top affiliates with a cash bonus or a vacation to show them their work is appreciated. Contests are also a great way get more sales from your affiliates. Your affiliate program will prospect leads for you because you will have targeted interested people.
GOVERNMENT PERMITS & LICENSES Once you have either formed a Panamanian Corporation, or a Partnership, or are acting as a Sole Proprietor, you will need to register your business with the government before opening for business.
The 6 steps provided below are the requirements for registering your business with the national and local governments:
1. Income Tax Registry This is called "Registro Fiscal" with the Panamanian government. The Panamanian government has a website explaining what is necessary to register in Spanish. Go to the govt. website at: www.dgi.gob.pa This is the government Revenue (Tax) Service where your company receives its income tax id number called the Direccion General de Ingresos. You will need to keep records of income and expenses and file an annual income tax (or corporate tax) return and pay any taxes owed.
2. Commercial License Another Panama government website will give you information regarding getting a commercial license in Spanish at: www.mici.gob.pa Th
Many women in business find that in order to meet their business' financial needs, they turn to searching out a loan source. Business loans for women are widely available through the Small Business Administration and a variety of other sources such as banks, credit unions and other financial institutions. Loans, however, are not the only source for financing. In some instances, business grants for women are available.Business grants for women are a wonderful option for some women in business. Grants are an excellent source of funding because grants are not repaid. The funding is provided through government resources that have been budgeted for specific needs in our national community. Anyone is open to apply, so business grants for women are available to anyone regardless of gender, race, religion, or background.The downside of grants is that business grants for women are not widely available. Rather, business grants for women are available only to select businesses and under very strict circumstances, mostly for research or development. Technologically-focused businesses, for example, will find it much easier to qualify for a grant than a craft or retail business. Still, because the money is readily available, even if your business is retail oriented, it may be of benefit to check into business grants for women available for various resources that could assist you in your business.According to Denouement Solutions and Grants.gov, the United States government and its government organizations offer more 1000 grants totaling more than $400 billion in grant funding every year. Only 10 percent of citizens that qualify for these grants actually apply for grants, despite the fact that many more than that would qualify for a business grant for women. Therefore, even though not every individual or business is elig
LEGAL BUSINESS STRUCTURE Your first consideration is to decide what type of business structure to use.
There are 3 normal business entities here in Panama: Sole Proprietor where you and your spouse & family operate a business as sole owners. Partnership where you team up with one or more persons in running the business. Corporation where you register with the government as a company issuing stocks, having a Board of Directors and corporate officers. While a sole proprietorship can be an oral agreement between close family members, the other two entities need the assistance of a Panamanian lawyer. That's because legal documents need to be prepared forming a Partnership or Corporation. If they are wrongly prepared, they will be legally null and void causing a business legal nightmare for its members.
Let's examine the different legal structures here in Panama:
Corporation (Sociedad Anonima) Corporations are formed under the Law No. 32 of 1927 and the Commercial Code (Decree-Law No. 5 of 1997, Article 5). A Panamanian corporation is formed by two persons (called Subscribers) or Nominees (who act on behalf of absent foreigners) who execute legal documents called the Articles of Incorporation. Those documents are filed with the Panama Public Registry office. After the corporation is formed, only one shareholder will be required. Corporate shares are issued which can be of various classes, can have par value or not, may be officially registered, or can be discreet Bearer shares. The corporation must have a resident Registered Agent (Panamanian lawyer). There must be at least three Directors whose names must be in the Articles of Incorporation. Any changes of Directors must also be filed with the Public Registry. Unless the Articles are changed or the corporation merges or dissolves there will be no other filing requirements.
Foreign Corporation
If you already have a corporation in another country, it can do business in Panama by filing the following documents at the Public Registry Office:
1. A notarized Spanish translation of the Articles of Incorporation;
2. Board of Directors minutes authorizing the Panamanian registration;
3. Copies of the most recent financial statements;
4. A certificate from a Panamanian Consul confirming that the company is organized according to the laws of its place of incorporation;
5. Notification of the transfer of capital to the Panamanian operation.
General Partnership General Partnerships are permitted in Panama. As with most countries, the partners will have unlimited civil liability. That means every partner can be sued even if only one of them commits an error in the course of business.
Limited Partnership Limited Partnerships (called Sociedad de Responsibilidad) are also permitted in Panama. They are governed by the Commercial Code and Law No. 24 of 1966. There may be from 2 to 20 partners with no restrictions as to their nationalities or domicile. Their Capital must be at least $2,000 up to $500,000. The names of the partners must be registered with the Public Registry Office including the amount of Capital each contributed. Each partner's civil liability for the Partnership's debts is limited to the amount subscribed to but unpaid. If the Partnership appoints an independent administrator, his/her name must also be registered. No meetings are required if the Partnership has 5 members or less. Otherwise, a meeting must be held at least once a year. There are no requirements for annual returns or filing of any accountings.
An alternative to a Sole Proprietorship is to create an Individual Limited Proprietorship (Empressa Individual de Responsibilidad Limitada). This is set up in the same manner as a Limited Partnership except having only one member. The individual transfers his/her assets to the business. Business civil liability is limited to the amount of the committed assets.
Civil Partnership A Civil Partnership (Sociedad Civil) is allowed by the Commercial Code and Law No. 24 of 1966. The liability of the partners is unlimited. This type of partnership is often selected by professionals such as lawyers and accountants.
Commandite Company The Commandite Company (Sociedad en Commandita) is a hybrid partnership and corporation also governed by the Commercial Code and Law No. 24 of 1966. At least one partner must have unlimited liability, while the liability of the limited partners is limited to the amount of capital subscribed. This type of legal structure is seldom used in Panama.
GOVERNMENT PERMITS & LICENSES Once you have either formed a Panamanian Corporation, or a Partnership, or are acting as a Sole Proprietor, you will need to register your business with the government before opening for business.
The 6 steps provided below are the requirements for registering your business with the national and local governments:
1. Income Tax Registry This is called "Registro Fiscal" with the Panamanian government. The Panamanian government has a website explaining what is necessary to register in Spanish. Go to the govt. website at: www.dgi.gob.pa This is the government Revenue (Tax) Service where your company receives its income tax id number called the Direccion General de Ingresos. You will need to keep records of income and expenses and file an annual income tax (or corporate tax) return and pay any taxes owed.
2. Commercial License Another Panama government website will give you information regarding getting a commercial license in Spanish at: www.mici.gob.pa Thi
When are 20 bucks and a store manager’s ego more important than a decade of loyalty from a customer? Never! Little things can be much more costly than one might imagine.I recently had an experience that clearly demonstrated the crucial need for better training at all levels, from entry-level employees to management. This situation occurred at a local tire store, one that is part of a national chain—of which will go unnamed—but claims in their name to be pros with tires. The store manager made the decision that $20 in his cost on labor, and his need to be right was more important to him than a loyal 10-year customer.Let’s Review the Benefit of from 10 Years of Customer Loyalty:New tires (sets of four) on 3 cars—approximately 8 sets at an average of $300 per set equals a minimum of $2,400 in retail sales. Satisfied customer recommendations to friends and business acquaintances—in this particular case the bare minimum is referral benefit is a fleet of 18 cars and trucks that moved their account to this particular store five years ago based on my recommendation. This referral has resulted in approximately 9 sets of car and truck tires purchased yearly by the company. At an average of $400 (truck & SUV tires are more expensive), the yearly sale to this company is $3,600. The bare bones minimum value this store received from one customer’s loyalty and referrals for 10-years is $20,400.Let’s Review What the Store Will Most Assuredly Lose in the Coming Decade from the Manager’s Seemingly Inconsequential $20 Decision:Within the next 2 months, the store will lose the sales on sets of tires for both a minivan and an SUV equaling a minimum of $700.Over the coming decade the store will also lose, not accounting for inflation, at the very least the same $2,400 from my 3 cars, and most likely mor
Let's examine the different legal structures here in Panama:
Corporation (Sociedad Anonima) Corporations are formed under the Law No. 32 of 1927 and the Commercial Code (Decree-Law No. 5 of 1997, Article 5). A Panamanian corporation is formed by two persons (called Subscribers) or Nominees (who act on behalf of absent foreigners) who execute legal documents called the Articles of Incorporation. Those documents are filed with the Panama Public Registry office. After the corporation is formed, only one shareholder will be required. Corporate shares are issued which can be of various classes, can have par value or not, may be officially registered, or can be discreet Bearer shares. The corporation must have a resident Registered Agent (Panamanian lawyer). There must be at least three Directors whose names must be in the Articles of Incorporation. Any changes of Directors must also be filed with the Public Registry. Unless the Articles are changed or the corporation merges or dissolves there will be no other filing requirements.
Foreign Corporation
If you already have a corporation in another country, it can do business in Panama by filing the following documents at the Public Registry Office:
1. A notarized Spanish translation of the Articles of Incorporation;
2. Board of Directors minutes authorizing the Panamanian registration;
3. Copies of the most recent financial statements;
4. A certificate from a Panamanian Consul confirming that the company is organized according to the laws of its place of incorporation;
5. Notification of the transfer of capital to the Panamanian operation.
General Partnership General Partnerships are permitted in Panama. As with most countries, the partners will have unlimited civil liability. That means every partner can be sued even if only one of them commits an error in the course of business.
Limited Partnership Limited Partnerships (called Sociedad de Responsibilidad) are also permitted in Panama. They are governed by the Commercial Code and Law No. 24 of 1966. There may be from 2 to 20 partners with no restrictions as to their nationalities or domicile. Their Capital must be at least $2,000 up to $500,000. The names of the partners must be registered with the Public Registry Office including the amount of Capital each contributed. Each partner's civil liability for the Partnership's debts is limited to the amount subscribed to but unpaid. If the Partnership appoints an independent administrator, his/her name must also be registered. No meetings are required if the Partnership has 5 members or less. Otherwise, a meeting must be held at least once a year. There are no requirements for annual returns or filing of any accountings.
An alternative to a Sole Proprietorship is to create an Individual Limited Proprietorship (Empressa Individual de Responsibilidad Limitada). This is set up in the same manner as a Limited Partnership except having only one member. The individual transfers his/her assets to the business. Business civil liability is limited to the amount of the committed assets.
Civil Partnership A Civil Partnership (Sociedad Civil) is allowed by the Commercial Code and Law No. 24 of 1966. The liability of the partners is unlimited. This type of partnership is often selected by professionals such as lawyers and accountants.
Commandite Company The Commandite Company (Sociedad en Commandita) is a hybrid partnership and corporation also governed by the Commercial Code and Law No. 24 of 1966. At least one partner must have unlimited liability, while the liability of the limited partners is limited to the amount of capital subscribed. This type of legal structure is seldom used in Panama.
GOVERNMENT PERMITS & LICENSES Once you have either formed a Panamanian Corporation, or a Partnership, or are acting as a Sole Proprietor, you will need to register your business with the government before opening for business.
The 6 steps provided below are the requirements for registering your business with the national and local governments:
1. Income Tax Registry This is called "Registro Fiscal" with the Panamanian government. The Panamanian government has a website explaining what is necessary to register in Spanish. Go to the govt. website at: www.dgi.gob.pa This is the government Revenue (Tax) Service where your company receives its income tax id number called the Direccion General de Ingresos. You will need to keep records of income and expenses and file an annual income tax (or corporate tax) return and pay any taxes owed.
2. Commercial License Another Panama government website will give you information regarding getting a commercial license in Spanish at: www.mici.gob.pa Th
Myth 1- Hiring a copywriter is expensive Not true: Depends what you are selling, how many of it and what you negotiate on but that’s not the real issue. Sure, good to pro copywriters are expensive, sometimes they ask for 50% of the sales but consider this:If you put a dollar in a machine and get 3,4,5 or 10 dollars back how many times would you do it?If you said “I’d never do it” then you may want to go back to your 9-5 job, and not have anything to do with business.If you said “as much as is humanely possible”, then Ding Ding Ding! You won a million bucks (or more….). With that mindset, you’re bound to do well in business. An investment that pays back many times is a good investment.Myth 2- I can do it myself, copywriters don’t know anything about what I do Well that’s half true and half false. Copywriters may not know necessarily your product, your service or your industry well or at all. However an excellent copywriter (like me…) will know what questions to ask you about your product then turn that into words that sell. Sometimes we are so good at what we do that we end up assuming everyone knows the basics or assume that everyone understands jargon. Happens to everyone and often times people usually have no clue what you may be saying about your product and its features. Copywriters (like me) translate what your product to something that matters for your clients.Myth 3- Copywriters are too much hassle Here’s another question, how much of a hassle and heartbreak is it when your business struggles or goes under and hits bankruptcy?Myth 4- Once copywriters take your money, they run with it That’s somewhat oxymoronic and somewhat difficult to explain. There’s vastly more money to be made for both parties selling your stuff and if you don’t get paid, they don’t. Copywriters (suc
Foreign Corporation
If you already have a corporation in another country, it can do business in Panama by filing the following documents at the Public Registry Office:
1. A notarized Spanish translation of the Articles of Incorporation;
2. Board of Directors minutes authorizing the Panamanian registration;
3. Copies of the most recent financial statements;
4. A certificate from a Panamanian Consul confirming that the company is organized according to the laws of its place of incorporation;
5. Notification of the transfer of capital to the Panamanian operation.
General Partnership General Partnerships are permitted in Panama. As with most countries, the partners will have unlimited civil liability. That means every partner can be sued even if only one of them commits an error in the course of business.
Limited Partnership Limited Partnerships (called Sociedad de Responsibilidad) are also permitted in Panama. They are governed by the Commercial Code and Law No. 24 of 1966. There may be from 2 to 20 partners with no restrictions as to their nationalities or domicile. Their Capital must be at least $2,000 up to $500,000. The names of the partners must be registered with the Public Registry Office including the amount of Capital each contributed. Each partner's civil liability for the Partnership's debts is limited to the amount subscribed to but unpaid. If the Partnership appoints an independent administrator, his/her name must also be registered. No meetings are required if the Partnership has 5 members or less. Otherwise, a meeting must be held at least once a year. There are no requirements for annual returns or filing of any accountings.
An alternative to a Sole Proprietorship is to create an Individual Limited Proprietorship (Empressa Individual de Responsibilidad Limitada). This is set up in the same manner as a Limited Partnership except having only one member. The individual transfers his/her assets to the business. Business civil liability is limited to the amount of the committed assets.
Civil Partnership A Civil Partnership (Sociedad Civil) is allowed by the Commercial Code and Law No. 24 of 1966. The liability of the partners is unlimited. This type of partnership is often selected by professionals such as lawyers and accountants.
Commandite Company The Commandite Company (Sociedad en Commandita) is a hybrid partnership and corporation also governed by the Commercial Code and Law No. 24 of 1966. At least one partner must have unlimited liability, while the liability of the limited partners is limited to the amount of capital subscribed. This type of legal structure is seldom used in Panama.
GOVERNMENT PERMITS & LICENSES Once you have either formed a Panamanian Corporation, or a Partnership, or are acting as a Sole Proprietor, you will need to register your business with the government before opening for business.
The 6 steps provided below are the requirements for registering your business with the national and local governments:
1. Income Tax Registry This is called "Registro Fiscal" with the Panamanian government. The Panamanian government has a website explaining what is necessary to register in Spanish. Go to the govt. website at: www.dgi.gob.pa This is the government Revenue (Tax) Service where your company receives its income tax id number called the Direccion General de Ingresos. You will need to keep records of income and expenses and file an annual income tax (or corporate tax) return and pay any taxes owed.
2. Commercial License Another Panama government website will give you information regarding getting a commercial license in Spanish at: www.mici.gob.pa Th
The topic of disclosure can be tricky to navigate. You can read article after article on this topic and still feel that you are not 100% sure of whether or not to disclose your disability to an employer. This article provides an insider’s perspective of this decision-making process taken from the point of view of several job seekers who have worked with Resource Partnership to obtain employment.Generally speaking, if you do not need a reasonable accommodation to help you perform the basic duties of your job, you do not need to disclose your disability. The decision to disclose a disability will vary greatly depending upon whether the disability is visible or hidden. With a visible disability, employers in most cases will know that a disability exists as soon as you meet them. The question for these job seekers is, does one acknowledge it in the interview? Or even before the interview, let’s say in the cover letter or over the phone? If a disability is hidden, the question then becomes, does one need to disclose this disability and if so, when and how? What do you say and what do you not say?Visible DisabilitiesJob seekers with visible disabilities working with Resource Partnership are split when it comes to the decision of bringing attention to their disability. For some, the decision is made for them due to building accessibility needs. “I always disclose because I need to make sure that the building I would be working in is accessible to a wheelchair,” writes one job seeker. Another job seeker says, “An employer can see that I have a disability. If a remark is made about me using a cane, I don’t dwell on it, but keep the conversation on my positive attributes instead.” This is a common theme among job seekers with disabilities. Another job seeker states, “The only thing I do not allo
An alternative to a Sole Proprietorship is to create an Individual Limited Proprietorship (Empressa Individual de Responsibilidad Limitada). This is set up in the same manner as a Limited Partnership except having only one member. The individual transfers his/her assets to the business. Business civil liability is limited to the amount of the committed assets.
Civil Partnership A Civil Partnership (Sociedad Civil) is allowed by the Commercial Code and Law No. 24 of 1966. The liability of the partners is unlimited. This type of partnership is often selected by professionals such as lawyers and accountants.
Commandite Company The Commandite Company (Sociedad en Commandita) is a hybrid partnership and corporation also governed by the Commercial Code and Law No. 24 of 1966. At least one partner must have unlimited liability, while the liability of the limited partners is limited to the amount of capital subscribed. This type of legal structure is seldom used in Panama.
GOVERNMENT PERMITS & LICENSES Once you have either formed a Panamanian Corporation, or a Partnership, or are acting as a Sole Proprietor, you will need to register your business with the government before opening for business.
The 6 steps provided below are the requirements for registering your business with the national and local governments:
1. Income Tax Registry This is called "Registro Fiscal" with the Panamanian government. The Panamanian government has a website explaining what is necessary to register in Spanish. Go to the govt. website at: www.dgi.gob.pa This is the government Revenue (Tax) Service where your company receives its income tax id number called the Direccion General de Ingresos. You will need to keep records of income and expenses and file an annual income tax (or corporate tax) return and pay any taxes owed.
2. Commercial License Another Panama government website will give you information regarding getting a commercial license in Spanish at: www.mici.gob.pa Th
If you’re like most people, you’ve never written a press release to call attention to a success you’ve had.And rightly so.But some of you should be sending out press releases or encouraging your company to promote things that you and your group are doing because they are significant.And most of you can be doing the next best thing to a press release:The periodic noteAn old friend of mine would mail a note to all of her friends bring them up-to-date on the things that were going on in her life, her professional successes, accomplishments and, occasionally, the frustrations. It allowed her to stay in contact with lot of people who would offer her advice, suggestions and jobs.Today, with email, it is much easier than before.Every 6 months, send an email to all of your friends, acquaintances and former colleagues to bring them up-to-date. Skip the complaints about your boss. Former colleagues may be in contact with them and you don’t want to generate problems.It’s easy to add people to Outlook and other products like it; you can also use services like Plaxo (www.plaxo.com) that host your rolodex online and allow others to connect with you, too.Any way you look at it, since only 22% of positions are filled by recruiters and fewer than 6% via job boards, your connects and their ability to think of you will go a long way to helping jobs land in your lap.
GOVERNMENT PERMITS & LICENSES Once you have either formed a Panamanian Corporation, or a Partnership, or are acting as a Sole Proprietor, you will need to register your business with the government before opening for business.
The 6 steps provided below are the requirements for registering your business with the national and local governments:
1. Income Tax Registry This is called "Registro Fiscal" with the Panamanian government. The Panamanian government has a website explaining what is necessary to register in Spanish. Go to the govt. website at: www.dgi.gob.pa This is the government Revenue (Tax) Service where your company receives its income tax id number called the Direccion General de Ingresos. You will need to keep records of income and expenses and file an annual income tax (or corporate tax) return and pay any taxes owed.
2. Commercial License Another Panama government website will give you information regarding getting a commercial license in Spanish at: www.mici.gob.pa This Ministry is called the MINISTERIO de COMERCIO e INDUSTRIAS, translated as the Ministry of Commerce & Industry. This is otherwise known as your Business License. Every business in Panama is required to have one.
3. Municipal Taxes After getting your Panamanian government licenses, you need to register with your local municipality in order to pay your municipal taxes.
4. Social Security Number Then you must go to the Registro Patronal de la Caja de Seguro Social (CSS) to get a Social Security number for your business and for yourself.
5. Sanitary Permit If your business deals with food or beverages, you will need to get Permisos Sanitarios with the Ministerio de Salud. That translates as a Health Certificate from the Ministry of Health for permission to operate a sanitary business. Every employee (including owners & management) who prepare or serve food or beverages (or are in the vicinity of food or beverage preparation or service) must obtain two different Permits. One requires a medical & dental examination at a public hospital. The other is issued after attending a two day health & safety course.
6. Fumigation Certificate Every business which is open to the public must be fumigated. You will need to hire a private fumigation company every four months to fumigate against ants, roaches, and other bugs. You must then present a receipt from the fumigation company and obtain a Fumigation Certificate from your local municipality. This must be publicly displayed at your business entrance.
Hiring Employees Now that you have obtained all of the required government permits and licenses, you are now ready to hire employees. For those of you thinking of hiring your expat buddies, Panama limits a company's work force to a maximum of 10% foreigners (non-Panamanian). Panamanian laws require that 90% of a company's employees be Panamanian citizens, or married to a Panamanian, or foreign persons residing here for at least 10 years.
But, there are exceptions:
1. Required technical or specialized staff unavailable in Panama increases your quota to 15% foreigners. You can also petition the Ministry of Labor for a higher quota.
2. Companies having less than 10 employees can employ 1 foreigner.
3. Companies can employ foreign Managers and Supervisors when the company does business abroad from Panama with prior approval by the Ministry of Labor.
You must obtain a work permit from the Ministry of Labor for every foreign worker.
Panama’s Labor Laws The Labor Code of 1971 deals with Labor Relations including the rights and duties of employers and employees. "Subordination" is the key concept of the law. Any relationship where one person is subordinate to another falls within the law. It makes no difference whether the relationship is or is not described as "employment".
There are certain basic employee rights which must be followed:
1. Written Employment Contract
2. Minimum Wage
3. Maximum Hours
4. Paid Vacation Time
5. Firing Employees
Employee Contracts You must have your employees sign a written employment contract called an Inscripcion Contratos con trabajadores. You must file two copies of the contract with the Ministerio de Trabajo y Desarrollo Laboral. Employers can easily terminate the employee during the first two years. After that, employees have greater protection under the law. The law lists "just causes" for dismissal. Unlawful dismissals can result in minimal compensation payments. Both parties can contract for "fixed terms". Minimum wage levels vary according to the employee's seniority.
Vacations: There are 11 public holidays per year. In addition, employees are entitled to a 30 day vacation every year. 13th Month: The law also requires a 30 day paid bonus every year which is known as "the 13th month". This bonus is estimated at one-salary day for every 11 days of work. The 13 month bonus is paid in 3 equal installments: April 15th, August 15th, and December 15th every year.
Unions Unions are allowed in Panama. Unions can collectively negotiate on behalf of the employees. Strikes are lawful under defined circumstances after a majority vote of the member employees. Conciliation is mandatory before a strike can occur. However, only around 11% of the private sector employees are unionized.
Leasing Office or Business Premises Panama's laws regarding leasing commercial space is similar to most English speaking countries.
1. It needs to be in Writing.
2. It needs to properly describe the location of the pre-mises.
3. It needs to address the amount and frequency of the lease payments, length of the lease period, whether there is a Security and/or Damage deposit, who pays for gas, water, electricity, and repairs. It will also contain provisions for late rent payments, tenant property damage, and renewal of the lease term.
4. It must be signed by the property
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