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HOW TO START HOSTING GAME SERVERS AT HOME!, NEF2.COM


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Se Llamará, preparando la llegada de tu bebé, coche bebe.

#Coche #bebe


¡Ya llega septiembre! Buscando babi para el cole

Coche bebe

Pues volando ha pasado otro año y aquí estamos de nuevo con los preparativos para empezar el curso. Este año será muy especial porque mi segundo hijo va a comenzar en Infantil, ¡parece que fue ayer que os contaba que había nacido.

Repetiré tienda para comprar una de las prendas más especiales para mi, el babi. Estoy contenta con la calidad y el precio de esta web, www.batasdeguarderia.com, así que no veo razón para cambiar. Continúa leyendo »

Camisetas personalizadas para niños

Coche bebe

Las camisetas personalizadas con su nombre es uno de los regalos que más me gusta hacer a los niños. Ya he comprado varias porque es algo que gusta mucho y con lo que se queda genial. A los niños les encanta llevar su nombre, es su camiseta especial&, y los adultos aprecian mucho el detalle de la personalización porque es un esfuerzo extra que te has tomado.

Ya os he hablado en muchas ocasiones de tiendas que personalizan sus artículos y hoy me gustaría presentaros los nuevos diseños de la tienda de camisetas Dezuu.

Marcando la ropa para el nuevo curso

Coche bebe

Seguro que ya estáis todos con los preparativos para el nuevo curso. A mi me ha tocado hoy sesión de plancha y etiquetas para marcar la ropa de los peques. Ha sido el momento tontorrón del día. Me he puesto nostálgica recordándome en esta misma situación 3 años atrás, cuando Mateo empezaba en la guardería. Recuerdo los sentimientos encontrados del momento. Por un lado el mimo con el que pegaba cada etiqueta, eligiendo bien el color y la posición para que quedara todo perfecto para el gran día, mientras se me escapaba alguna lagrimilla por la nueva etapa que mi bebé y yo comenzábamos, ¡qué ternura!.

Babis y batas originales para infantil y primaria

Coche bebe

El año pasado fue mi primer encuentro real con el mundo de los babis. En la guardería Mateo ya usaba pero allí me lo dieron todo hecho, no había nada que pensar o elegir. En cambio, al empezar el ciclo de Infantil, en la lista de material necesario para el principio de curso había una bata que, según nos explicaron, utilizarían en clase para las actividades artísticas pero que, sobre todo, era fundamental para el comedor. Esto no es así en otros colegios donde utilizan la bata sólo en clase porque en el comedor prefieren que desde un principio aprendan a tener cuidado a la hora de comer. Personalmente, y en vista de cómo volvía el babi cada viernes, prefiero que lo utilicen.

Fiesta marina con globos LED

Coche bebe

Ya está aquí el verano y nosotros le hemos dado la bienvenida al buen tiempo preparando una espectacular fiesta del mar.

Todo empezó cuando desde la tienda Globosmix me enviaron un montón de bolsas de globos con luces LED.

Cómo preparar el coche para niños que se marean

Coche bebe

No sé si alguno de vosotros tendréis un niño que se maree en el coche. En nuestro caso se trata del mayor. Desde que Mateo cumplió los 3 comenzó a marearse y a vomitar. A veces lo ha hecho incluso antes de llegar a la rotonda del final de la calle.

Vinilos de pizarra para habitaciones infantiles

Coche bebe

En muchas ocasiones os he hablado de los vinilos para decorar las habitaciones de los niños. Es un método fácil, y ahora también barato, de añadir personalidad a los espacios. Además, tiene el aliciente de ser fácilmente reversible.

Hoy me gustaría hablar de una variante de este recurso, los vinilos de pizarra.

Disfraz de Hada de las Nieves& DIY

Coche bebe

Como ya sabéis, soy mamá de dos niños así que, de vez en cuando, tengo un poco de mono de tules y purpurinas. Por suerte, tengo también dos preciosas sobrinas con las que poder resarcirme.

Este año, mi cuñada me ha pedido ayuda para el disfraz de la fiesta de Navidad de una de ellas. Tiene 2 años. Como me han dado carta blanca he aprovechado para dar rienda suelta a mis ansias de brillos

Nuestro calendario de adviento de este año

Coche bebe

Este es nuestro primer calendario de adviento. Aunque todos los años los miraba con curiosidad, no terminaba de decidirme por comprar o hacer uno. Lo cierto es que Mateo todavía no era demasiado consciente de la Navidad, tampoco comía chocolatinas ni chuches, así que supongo que no le encontraba mucho sentido. Pero este año todo ha cambiado. Con tres años ya, tengo un pequeño adicto al chocolate en casa que lleva preguntándome desde octubre cuándo van a caer los copos de nieve y va a venir Papá Noel, está claro que ha llegado el momento.

Cuentos personalizados de Mumablue

Coche bebe

Ya os he hablado en varias ocasiones de cuentos personalizados. Hoy os quiero enseñar uno nuevo, de hecho, el primero que nosotros tenemos de ese tipo. El cuento se llama El Reino de Miriñán y lo edita Mumablue.




Bienes Raices – Centro de Negocios y Capacitación Gratis, si bienes raices.

#Si #bienes #raices


Centro de negocios especializado en el sector inmobiliario y bienes raices de habla hispana

Somos una firma consultoría especializada en mercado inmobiliario que ofrece a través de este Centro de Negocios y Capacitación diversos recursos para mejorar el desempeño de los Profesionales Inmobiliarios de Habla Hispana. Entre otros recursos están: Información de mercado, herramientas, capacitación y servicios para auxiliar a los profesionales del mercado de bienes raices para mejorar sus conocimientos, su gestión y con ello, mejorar su rentabilidad y opotunidades de negocio.

Nuestro Modelo de Negocios LA PLATAFORMA DEL EXITO INMOBILIARIO& ha sido implementado en diversos países y segmentos probando ser un Excelente Acelerador de Negocios Inmobiliarios.

También hemos desarrollado y patentado un programa de ingresos pasivos que te permite como Profesional Inmobiliario generar ingresos pasivos recurrentes de en promedio $ 3,000 Dólares Mensuales SIN Separarte de tus Actividades Inmobiliarias!!

Por el contrario…mientras más oportunidades de negocio inmobiliario generas, más ingresos pasivos recibes!!

A este novedoso Programa de Ingresos Pasivos lo llamamos REAL ESTRATEGY Passive Income& y de igual forma ha sido exitoso en diversos países de habla hispana.

LA PLATAFORMA DEL EXITO INMOBILIARIO& y el Programa de Ingresos Pasivos REAL ESTRATEGY Passive Income& sólo están disponibles para nuestro selecto grupo de Asociados Platinum de REAL ESTRATEGY.

Tu puedes ser uno de ellos!! Pocas veces al año abrimos inscripciones para Asociado Platinum, te explicamos sus beneficios a través de Seminarios Online Gratuitos. Si quieres saber más y tienes la suerte de que estemos en ronda de seminarios, el siguiente enlace te llevará a la página de registro. Te recuerdo que el Seminario es totalmente Gratis…VER EL SEMINARIO SI ESTA DISPONIBLE HACIENDO CLICK AQUI

Este centro de negocios ofrece beneficios para 3 perfiles de profesionales que intervienen en el mercado de bienes raices:

1 Emprendedores iniciando en Inmobiliaria: No sabes cómo empezar de manera exitosa como Profesional Inmobiliario, te ofrecemos capacitación, herramientas y recursos que te harán obtener mejores resultados en menor tiempo.

2 Agentes y Profesionales Inmobiliarios: Los profesionales inmobiliarios se encargan de realizar las operaciones inmobiliarias de compra, venta y renta de bienes raices en los diferentes países de habla hispana y hacen posible el intercambio de inmuebles entre vendedores y compradores. REAL ESTRATEGY ofrece capacitación, recursos y plataformas avanzadas para mejorar sus resultados de negocio.

3 Desarrolladores Inmobiliarios e Inversionistas del mercado de bienes raices, los cuales en conjunto hacen posible la construcción de inmuebles y fomentan el desarrollo económico de este sector.

Ofrecemos consultoría y servicios de matching entre Proyectos de Bienes Raices (en cualquier segmento) con Inversionistas y Fuentes de Financiamiento. Así como capacitación, recursos y herramientas para mejorar drásticamente el desplazamiento de su inventario de bienes inmuebles.

Toma tu membresía Golden Lite gratuita a este Business Center cualquiera que sea tu perfil… Suscríbete Aquí…

Si bienes raices

Información y Capacitación

Conoce todos los facilitadores que tenemos para prepararte mejor como un experto en bienes raices. Desde información especializada del Sector hasta cursos, tips y nuevas tendencias para ser más efectivo en lo referentes al mercado inmobiliario y bienes raices. Aprovecha nuestro know-how en materia de bienes raices para desarrollar mejor tus habilidades y mejorar sus resultados.

Si bienes raices

Marketing y Ventas

Conoce los beneficios que tienes como miembro en cuanto a capacitación, herramientas y servicios relacionados marketing y ventas desde el punto de vista de los 3 perfiles de profesional inmobiliario, ¿Eres una inmobiliaria y necesitas conseguir más bienes raíces para tu cartera y promoverlas más rápido? ¿Eres proveedor de productos o servicios con necesidades de expansión de negocio, promoción y presencia de marca? Saca provecho de todo nuestro expertis, servicios y herramientas.

Si bienes raices

Negocios Inmobiliarios y Vinculación

¿Eres profesional de bienes raices y deseas saber cómo vincularte exitosamente con otros profesionales para hacer negocio cruzado de bienes raices? ¿Eres Desarrollador Inmobiliario en busca de capital, socio o financiamiento para tus proyectos de bienes raices? ¿Eres proveedor, y necesitas vender más, generar más ingresos? Para tener éxito debes tener una Red de Negocios amplia con la cual interactuar.

También podrás en este Business Center tener información actualizada sobre temas de bienes raices, mercado inmobiliario, estudios de absorción por zonas, consultoría inmobiliaria y todo tipo de recursos y conocimientos relacionados con Bienes Raices en los países de Habla Hispana.

Este sitio es un servicio más de REAL ESTrATEGY para atender las necesidades del mercado de bienes raices de habla hispana a nivel mundial. Somos expertos en negocios de bienes raices desde diversos puntos de vista como lo son: financiamiento, promoción de bienes raices, marketing digital inmobiliario, master developmententre otras disciplinas que nos hacen uno de los Grupos Empresariales en Temas Inmobiliarios de Latinoamérica.

Si deseas ser parte de nuestra Red de Asociados Inmobiliarios y de Profesionales en Bienes Raices, suscríbete HOY SIN COSTO a nuestra membresía GOLDEN y obtén inumerables beneficios.




How Much Does Life Insurance Cost? Get Average Price, Trusted Choice, best life insurance rates.

#Best #life #insurance #rates


Life Insurance Cost

Best life insurance rates

The first two questions most people ask when they look into life insurance coverage are very often: “How much will it cost?” and “How much do I need?” Life insurance costs can be a challenge to calculate because there are several types of life insurance, including whole life, universal life and term life insurance. The cost of life insurance is unique to each individual and depends on the type of policy you choose, the amount of coverage you want, and factors such as your age and overall health.

Comparing online life insurance rates can be a good way to get an idea of what you might pay in premiums. But to get a customized plan that fully meets your needs and budget, it is a good idea to work directly with an agent. For detailed answers and a review of your situation, contact an independent agent in the Trusted Choice В® network who specializes in life insurance. An local member agent in your area can help you evaluate your options and provide a customized quote.

Factors That Affect Your Life Insurance Costs

  • Age: Overall, life insurance rates increase as you age.
  • Health profile: Do you have any chronic conditions? Do you smoke?
  • Gender: Women live longer, statistically, and typically pay lower life insurance costs.
  • Occupation: Receptionist? Machine operator? Sky diving instructor? Yes, it matters.
  • Exams: “No exam” life insurance quotes are available, but are typically more expensive.

To look at some average life insurance rates, we will review several scenarios. Why? Because the average cost of life insurance for a 30 year old male who smokes is very different from the average cost for a 30 year old female with a clean bill of health. To illustrate the range of costs associated with life insurance, the following section will give some hypothetical scenarios for you to think about before you buy a plan.

The Average Cost of Whole Life Insurance

The following average costs were calculated using the following assumptions:

  1. The individuals are a healthy weight and do not live a hazardous lifestyle.
  2. They want $500,000 worth of life insurance.
  3. They want monthly “level pay” (same payments for the duration of the policy).

The average costs will differ when any of the variables change. For example, a 35 year old female nonsmoker would pay an average of $731.57 if she wanted 1,000,000 worth of whole life insurance or about $188.36 for $250,000 worth of whole life insurance.

The Average Cost of Term Life Insurance

The following average costs were calculated using these assumptions:

  1. The individuals are a healthy weight and do not live a hazardous lifestyle.
  2. They want $500,000 worth of life insurance.
  3. They want to pay monthly for a 20-year term policy.

Best life insurance rates

Again, the average costs will differ when any of these variables change. For example, a 35 year-old female nonsmoker would pay an average of $61 per month for $1,000,000 worth of life insurance with a 20-year term, and $23.90 per month for $250,000 worth of life insurance with a 20-year term.

Does Life Insurance Cost More in Certain Regions of the U.S.?

There can be some differences in your life insurance costs, depending upon your state and region. Life insurance companies use “mortality tables” to help predict the benefits they are likely to pay in a given year. Why? Because the amount they collect in premiums must be less than what they pay out in benefits, and these actuarial tables ensure that they will not end up in a deficit.

Some factors that may be taken into account to calculate your life insurance costs in your region include:

  • Whether there is a high rate of obesity in your state or region
  • If the area experiences a high rate of deadly natural disasters, such as earthquakes
  • If the region is prone to certain diseases, such as black lung disease typical in miners
  • If the state or region has a high mortality rate due to crime
  • How many policies have been written in that area

Even with these factors taken into consideration, rates do not typically vary significantly from region to region. For example, if you live in an area prone to earthquakes and high crime, your life insurance rates will be affected more by your age and personal health profile than where you choose to live.

How to Lower Your Life Insurance Costs

Because health and lifestyle play a key role in determining your life insurance rates, the key things you can do to lower your payments have to do with improving your health and reducing your risk of chronic conditions like diabetes or cancer. Being a non-smoker is perhaps the most critical choice you can make to reduce your life insurance rates, but there are many more things you can do as well.

  • Maintain a healthy weight to reduce the risk of obesity and related chronic conditions.
    • Get a body mass index (BMI) check done
    • If you have a high BMI, work with a health professional to lose excess weight
  • Maintain your heart health to reduce the risk of hypertension, heart attack and stroke.
    • Get an annual physical
    • Regularly check your blood pressure, cholesterol, and triglyceride levels
    • Work with a health professional to improve your numbers, if needed
    • Reduce stress, improve your diet and increase exercise
  • Manage your blood sugar to reduce the risk of diabetes.
    • Request a blood sugar test
    • Obtain a diet and exercise plan to help manage blood sugar levels

In addition to assessing your overall health, most life insurance companies will also review your risk of death from a high risk sport or work related accident. For this reason, your career choices and the activities you choose to do for fun can also impact your life insurance rates. If you work at a desk job, versus a career as a skydiving instructor, under-water welder or a rodeo clown, you will find that more insurance companies will be willing to insure you at a more affordable rate.

To get more information on life insurance rates, find an independent agent in the Trusted Choice network today. An agent right in your area can help you evaluate your life insurance options and costs based on your unique circumstances.




Casas, camas, baños para casas modernas.

#Baños #para #casas #modernas


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Cemento

Disfruta completamente gratis de todos nuestros video cursos para aprender a decorar todos tus espacios interiores.

Baños para casas modernas

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Características del desarrollo organizacional

El desarrollo organizacional es una forma de organización que utilizan las empresas.

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    Se conoce como conocimiento científico aquel que se origina cuando se aplica un.

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    Baños para casas modernas




  • Car Insurance Quotes, Compare Car Insurance – Liberty Insurance Ireland, insurance quotes for car.

    #Insurance #quotes #for #car


    Car Insurance

    make changes to your policy or pay for your quote

    Life’s complicated enough. So we’ve made buying car insurance simple and fair, with all the benefits you’d expect and more. That’s car insurance the way it should be.

    Insurance quotes for car

    Get up to 5 Weeks Free Online

    Ready to get a quote? At Liberty Insurance we give you up to 5 weeks free when you quote and buy online. The discount is applied automatically to your quote and you’re covered from the moment you buy, so you’ll be on the road in no time.

    Online discount applies to new private car policies only. 5 weeks free equals a 10% discount. Maximum discount €150. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply.

    Insurance quotes for car

    Comprehensive or Third Party Fire & Theft Options

    We don’t just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance. You can choose from Comprehensive Car Insurance or Third Party Fire Theft policies with up to 5 weeks free when you quote and buy online, all backed up with 24/7 claims support.

    Car insurance, the way it should be

    Imagine the perfect car insurance policy. It probably includes hassle-free purchase, step back no claims bonus protection, free breakdown assistance, 24-hour claims help and European cover as standard.

    The good news is every Liberty car insurance policy comes packed with all these and more. Have a look at our car insurance policy benefits.

    Also includes:

    • Breakdown assistance wherever you are
    • Discount for named driver experience
    • Step back no claims protection

    Insurance quotes for car

    Breakdown assistance wherever you are

    Car broken down or just won’t start? Relax, we’re here to help. Whether it’s at home or by the roadside, 24/7 breakdown assistance with Home Start comes as standard on all our car policies – comprehensive car insurance and third party, fire and theft. Even better, it won’t affect your no claims bonus. Find out more.

    Insurance quotes for car

    Discount for named driver experience

    If this is your first policy, but you’ve driven claim-free on someone else’s policy in the last two years, then it’s only fair that your good driving record is recognised – and rewarded!

    With Liberty car insurance, you can get a discount on your premium for named driver experience. Terms and conditions apply.

    Insurance quotes for car

    Step back no claims protection

    Accidents can happen to anyone. If you have to claim, we don’t think you should lose all the no claims bonus you’ve built up. So you’ll be relieved to know that if you have four or more years of no claims bonus and you do have to make a claim, you’ll still keep part of your no claims discount. Terms and conditions apply.




    Acceptance Insurance, SR 22 Auto Insurance, sr22 auto insurance.

    #Sr22 #auto #insurance


    Cheap SR22 Insurance – Get a Free Quote Online

    Sr22 auto insuranceNo one wants to be in the position of looking for SR22 insurance quotes, but if you do find yourself in this situation, we can make sure the process is as smooth and painless as possible. We’re also here to make sure you don’t pay any more than you have to for this specialized type of auto insurance. If you’re looking for good, cheap SR22 insurance, you have come to the right place. We’re here to provide accurate information and price quotes so you can decide on the policy that’s right for you.

    What is SR22 Insurance?

    An SR22 policy is technically a document proving the responsibility of the policyholder. If you meet certain conditions, you will be required to carry this proof with you whenever you drive until your SR22 status has been removed.

    Who are SR22 Policies for?

    This type of insurance is generally required for drivers who have been caught driving without insurance, especially those who were involved in at-fault accidents while driving without insurance. It is also typically required for those who have been convicted of driving under the influence of drugs or alcohol, had their license revoked or suspended or had too many tickets or traffic offenses in what is deemed a short time period.

    How Long Does SR22 Status Last?

    Most drivers who meet the conditions for SR22 status will be required to carry this type of insurance. If this is required of you, call us for help figuring out the details of this status and learning what you’ll need to do next. Once a specified period of time has passed, your SR22 status will be removed as long as you have driven safely and legally without any lapses in coverage during that time. If you let your insurance lapse, your license will most likely be suspended or revoked and you might face fines. That’s why it’s so important to make sure you have the coverage you need at all times. Contact us today for additional information and affordable SR22 insurance quotes.




    California s Low Cost Auto Insurance Program, automobile insurance rates by state.

    #Automobile #insurance #rates #by #state


    California’s Low Cost Auto Insurance Program

    Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

    Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

    About California’s Low Cost Automobile Insurance Program

    California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

    However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

    Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

    CLCA important links:

    • Reports to the Legislature and Consumer Education and Outreach Plans
    • CLCA Tip Card (PDF)
    • Cost of CLCA Insurance Rates Sheet by County 201 7
    • Cost of CLCA Optional Rates Sheet 201 7
    • Good Driver Definition (PDF)
    • Applicant Income Eligibility Requirement (PDF)
    • Request CLCA Tip Cards to be mailed to your organization.
    • Invite CEOB to your outreach event or meeting!
    • If you have a question about the CLCA program, send us an e-mail!

    Contact Us:

    The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

    Consumer Education and Outreach Bureau

    300 S. Spring Street, South Tower

    Los Angeles, CA 90013

    Toll free (877) 401-9550

    The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).




    Mбquina de coser zig zag pesados para velas y tapiceria, tapiceria de autos.

    #Tapiceria #de #autos


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    Tapiceria de autosMбquina de coser extra pesada de brazo cilindrico

    9266R Mбquina de presillas (zig-zag) pesados para cuerdas (hacer reforzar ojillos)

    9266E Mбquina para unir alfombras y tapetes por medio de costura de zigzag

    9266S Maquinas de doble aguja zig-zag para costuras dйcorativas en mueble tapizado y automoviles

    9266-30 Maquina de coser zig-zag puente largo para veleria

    Caracterнsticas: El excepcional poder de penetraciуn de la aguja al coser telas muy gruesas y resistentes; La mбquina de coser zig-zag muy fuerte y robusto equipada con Adler 266 tipo gran lanzadera Barrel, para ciclos mбs largos de coser; La extremadamente alta costura levantar los pies de 20 mm facilita la alimentaciуn y la eliminaciуn de la pieza de trabajo; Materiales pesados y los hilos gruesos hasta un tamaсo de rosca de V277 (Tex 270 o 840dx3) puede ser procesado con esta mбquina sin ningъn problema; El largo de puntada mбximo de 10 mm y ancho de zigzag mбximo de 12 mm ofrece nuevas posibilidades; Empleo universal en el campo de velas pesadas, para aplicar refuerzos en las velas semi pesadas, para aplicar refuerzos en las velas semipesadas, aviones ultraiigeros y aviones ultra-ligeros, asimismo para sujetar cosiendo cuerdas en paracaidas de carga etc; Despues de cambiar el juego de dos agujas contra el juego de una aguja, la mдquina se utiliza ademдs de coser costuras decorativas de punto basto en cuero para las industria de tapiceria; Equipada con motor servo (Ahorro de Energнa – Poder Excepcional – Simplemente un rendimiento superior!)

    Aplicaciones: velas de barcos, lonas, paracaнdas, alfombras y tapetes, trampolines, zapatos, sillones y sofas de cuero, muebles tapizados, tapiceria de autos, cojнns, eslingas textiles de poliйster, cinturones de seguridad, talabarterнa, arnes, silla de montar, cinturones militares, tiendas de campaсa, toldos, cuerda de escalada y cuerdas de seguridad (hacer reforzar ojillos / terminaciones cosidas).




    Life Insurance Leads – Exclusive Life Insurance Leads Provider, term life insurance leads.

    #Term #life #insurance #leads


    Life Insurance Leads

    Term life insurance leads

    What are Life Insurance leads?

    When a consumer fills out a form to request a quote for life insurance they become a life insurance leads. Studies show that 50% more consumers shop for life insurance online than in previous years. More consumers are shopping for life insurance online than ever before – and more are requesting quotes through websites than from life insurance agents directly.

    What is a Life Insurance Lead Aggregator?

    A life insurance lead aggregator generates and sells life insurance leads to insurance companies and individual life insurance agents. They generate life insurance leads through websites, paid search marketing campaigns, social media, etc. so that you don’t have to.

    Life insurance lead aggregators reduce the workload on insurance agents, so that they can focus on selling insurance – instead of prospecting for leads.

    Why buy life insurance leads?

    One of the most popular reasons why life insurance agents don’t make it is because of a lack of leads. Don’t let your agents fail, grow your insurance business with high qualify life insurance leads. Buy life insurance leads today.

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    By utilizing numerous free filtering options, agents can customize the life insurance leads they will receive to achieve optimal results. View Pricing.

    Term life insurance leads




    Autos usados Argentina, autos usados.

    #Autos #usados


    buscar por marca

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    últimos coches publicados

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    Semana Santa 2018 y Vacaciones Escolares ¿Cuándo Caen, vacaciones semana santa.

    #Vacaciones #semana #santa


    ¿Cuándo Cae Semana Santa 2018? Vacaciones Escolares

    Para saber cuándo cae Semana Santa 2018, debes tomar en cuenta la primera luna llena de la primavera. Por ejemplo, si el 21 de Marzo es luna llena, en esa fecha inicia la semana santa, o bien, si la luna llena cae el 20 de Marzo, (cuando aún no es primavera), hay que esperar un mes lunar (28 días) para que inicie la Semana de Pascua.

    Este año las fechas de semana santa 2018 en México son:

    • 25 de Marzo, Domingo de Ramos
    • 26 de Marzo, Lunes Santo
    • 27 de Marzo, Martes Santo
    • 28 de Marzo, Miércoles Santo
    • 29 de Marzo, Jueves Santo
    • 30 de Marzo, Viernes Santo
    • 31 de Marzo, Sábado Santo (ó Sábado de Gloria)
    • 01 de Abril, Domingo de Resurrección (ó Domingo de Pascua)

    Recordemos que la Semana Santa 2018 es la celebración Católica por la que se recuerda la Pasión, Muerte y Resurrección de Cristo.

    Vacaciones Escolares de Semana Santa 2018

    Por otro lado, de acuerdo al Calendario Escolar de la SEP los estudiantes gozarán de las vacaciones de semana santa a partir del 26 de Marzo, y el regreso a clases será hasta el día día 9 de abril de 2018.

    Si piensas viajar, hay Pueblos Mágicos y ciudades coloniales en México donde la Semana Santa tiene un gran significado. Como la que se lleva a cabo por las calles de la Delegación Iztapalapa, ubicada al oriente de la Ciudad de México, en la cual participan cientos de miles de personas para escenificar el Vía Crucis, que termina en el Cerro de la Estrella, conoce 3 Pueblos Mágicos para una Semana Santa estilo Colonial o si lo que buscas es el mar, aquí hay playas poco conocidas para unas vacaciones perfectas.

    Tips para Viajar en Semana Santa 2018

    • Reserva con anticipación, existen paquetes con sistema de apartado que puedes ir pagando poco a poco, solo tienes que cubrir el costo de tus vuelos, ¡Es una buena forma de ahorrar para viajar!.
    • Si no vives en la Ciudad de México, la Semana Santa es una de las mejores temporadas para disfrutarla, ya que muchos capitalinos viajan a las playas en busca de sol y descanso.
    • Los destinos más buscados para viajar en Semana Santa son Cancún, Acapulco, Mazatlán y Riviera Maya, si planeas viajar a alguno de estos destinos más te vale ir reservando tu habitación.

    C – lculo Seguro Desemprego, calcular seguro.

    #Calcular #seguro


    C lculo Seguro Desemprego

    C lculo do valor do benef cio de seguro desemprego a ser pago ao trabalhador de acordo com regras espec ficas.

    Sobre C lculo Seguro Desemprego

    O Seguro Desemprego é um direito garantido pela Constituição Federal ao trabalhador nos casos de desemprego involuntário. É um auxílio temporário pago em dinheiro pelo governo para que o trabalhador possa encontrar outro emprego e voltar a trabalhar sem prejudicar seu sustento e de seus familiares. Pode ser pago de 3 a 5 parcelas de forma contínua ou alternada.

    Têm direito ao seguro desemprego o trabalhador formal e doméstico, em virtude da dispensa sem justa causa, inclusive dispensa indireta; o trabalhador formal com contrato de trabalho suspenso em virtude de participação em curso ou programa de qualificação profissional oferecido pelo empregador; o pescador profissional durante o período da proibição da pesca para preservação da espécie; e; o trabalhador resgatado da condição semelhante à de escravo.

    Para calcular o valor das parcelas é considerada a média dos salários dos últimos 3 meses anteriores à dispensa. Para o pescador artesanal, empregado doméstico e o trabalhador resgatado, o valor é de 1 salário mínimo.

    O seguro-desemprego é um benefício pessoal e só pode ser pago diretamente ao beneficiário, com exceção para as seguintes situações: morte do segurado, quando serão pagas aos sucessores parcelas vencidas até a data do óbito; grave moléstia do segurado, quando serão pagas parcelas vencidas ao seu curador legalmente designado ou representante legal; moléstia contagiosa ou impossibilidade de locomoção, quando serão pagas parcelas vencidas ao procurador; ausência civil, quando serão pagas parcelas vencidas ao curador designado pelo juiz; beneficiário preso, quando as parcelas vencidas serão pagas por meio de procuração.

    Ainda tem dúvidas? Para saber mais sobre como é feito o cálculo do seguro desemprego acesse nosso blog. Nele, você encontrará informações sobre outros cálculos trabalhistas.


    Car Insurance Ratings, Top-10 Car Insurance Companies, automobile insurance rating.

    #Automobile #insurance #rating


    Car Insurance Ratings

    The latest 2010 car insurance ratings are now posted online from JD Powers. Previously, we posted the Car Insurance Ratings for 2008, here: 2008 Car Insurance Ratings. Not a whole lot of details are given on the JD Powers website about how they come up with these particular car insurance ratings. The results this year are very similar to their insurance ratings from 2008 and 2009. Every year, JD Powers rate the best automobile insurers on 5 different criteria:

    1. Overall Satisfaction
    2. Contacting the Insurer
    3. Policy Offerings
    4. Billing and Payment
    5. Pricing

    Using this same data, Product Review Ratings breaks these ratings down into a Top-10 Car Insurers List: The difference in these Top-10 insurance, is that the overall satisfaction score is averaged in along with the other five criteria to derive an Overall Rating score on a 100 point scale. Using this embellished set of criteria, the outcome changes ever so slightly over the original JD Powers Ratings and should provide a clearer picture of which car insurance companies rate best, overall. Product Review Ratings Auto Insurance Ratings criteria are as follows:

    • Experience: (Customer’s Overall Satisfaction)
    • Options: (Car Insurers Policy Offerings)
    • Pricing: (Car Insurance Policy Price)
    • Billing: (Satisfaction with billing methods and issues)
    • Contact: (Contacting the Insurer)
    • Overall: (Overall Rating based on above scores, 1-100)

    Ratings 2011

    This Top-10 list should be used as a guide only – a rough place to get started. Look at the top-10 insurers by JD Powers and compare for yourself. The insurance ratings are not all created equal. Unfortunately, JD Powers does not offer a detailed report on how they came up with the insurance ratings in each of these categories. One huge factor that is not taken into account, here, is how combining auto insurance with a homeowners insurance policy can drastically reduce your Auto Insurance cost or vice versa. Some of the cheapest-looking car insurance companies aren’t as cheap as they seem when you factor in a home owners discount. For those of us who own homes, it doesn t pay to switch to a cheaper auto insurance company if the cost of a home owners policy negates those savings. For the 2nd time in the three year period that I’ve reviewed these car insurance ratings, Amica has come up on top. I was unable to go back and see if the 2009 JD Powers auto Insurance Ratings reported the same. With Amica receiving perfect scores in every category every year, including cost, I would expect to know a few very satisfied Amica Car Insurance Policy owners. This was not the case. Since writing the 2008 article on auto insurance ratings, I’ve recommended Amica a few times to family and friends. Surprisingly, I have yet to find one person who switched after giving Amica a call? Why? Because, Amica was not as cheap as their current auto insurance policy. For a company who ranks best on price year after year, this is kind of surprising isn’t it? In fact, Amica is the only auto insurance company JD Powers ranks a perfect 5 of 5 stars for price. I can only think of a few things that could cause this discrepancy. Obviously, a great deal of other variables come into play: Credit Rating, geographic area, Home-Owners, demographics, driving record and even the type of cars being insured could reflect a different outcome for some people shopping the same insurance company. The lesson here is that what works for some may not be what is best for everyone. Still, if you’re looking for place to get started, these Top-10 car insurers will serve as a great short-list of places to call first.

    Top 10: Car Insurance Ratings

    Automobile insurance rating


    Viajar a egipto

    #Viajar #a #egipto


    Viajar a Egipto

    La l nea a rea nacional es Egypt Air (MS) (p gina web: www.egyptair.com.eg). Gran n mero de l neas a reas, de Europa, Am rica, Asia y Oriente Pr ximo, vuelan a Egipto.

    Desde Madrid a El Cairo: 5 horas. De Buenos Aires a El Cairo: 20.45 horas (v a Madrid). De M xico a El Cairo: 18.30 horas (v a Madrid). De Nueva York a El Cairo: 14.35 horas. De Los Angeles a El Cairo: 16.40 horas. De Miami a El Cairo: 17.50 horas (v a Nueva York).

    Aeropuerto Internacional de El Cairo (CAI) est situado a 22 km. al noreste de la ciudad en Heli polis (duraci n del trayecto: 30 minutos; bastante m s si es en hora punta). Se puede viajar a la ciudad en autob s (frecuencia de salida: cada 10 minutos) o en taxi. Adem s, existen servicios de limusinas y muchos hoteles ofrecen coches hasta el aeropuerto. ste cuenta con tiendas libres de impuesto tanto en las llegadas como en las salidas, tiendas de alquiler de coches, oficina de correo, banco/cambio de moneda, retaurante y bar, servicio de reserva hotelera, tienda de souvenirs, tienda de libros y oficina de seguros de viajes.

    Borg El Arab (HBE)es el nuevo aeropuerto de Alejandr a que reemplaza al antiguo de El Nouzha. Est situado a 60 km. al suroeste de Alejandr a. El nuevo aeropuerto dispone de tienda libre de impuestos, banco, cambio de divisas, oficina de correos, restaurante y sala VIP.

    Luxor (LXR) est a 5,5 km. de Luxor. Hay servicios regulares de autobuses al centro de la ciudad y parada de taxis. Cuenta con tienda de alquiler de coches, banco, cambio de divisas, bar y restaurante. Se est n realizando trabajos para mejorar el aeropuerto para adecuarlo al creciente n mero de viajeros que recibe.


    Top 10 de las mejores aseguradoras en España por volumen de facturacion, aseguradoras de coches.

    #Aseguradoras #de #coches


    Top 10 de las mejores aseguradoras en España por volumen de facturacion

    Alguna vez te has preguntado, ¿cuáles son las mejores compañías de seguros de España? Si es así en este post te tenemos la respuesta. Cada día evolucionan más las empresas y por ello tenemos mejores servicios, pero esta vez te traemos un top 10 de las mejores compañías con su volumen de facturación para que puedas comparar todo sobre ellas.

    Cabe destacar que estas aseguradoras viven en un esfuerzo constante para crecer en un mercado donde tienen que estar atentos a cada cambio que haga su rival.

    Las aseguradoras luego de un gran análisis quedan ordenadas de esta manera:

    • Vida Caixa: Vida Caixa es una empresa de seguros con un solo accionista y cuenta con una prima entre 4.000.000.000 y 5.000.000.000 euros.
    • Grupo MAPFRE: Está situada en más de 49 países. Cuenta con una prima entre 3.000.000.000 y 3.800.000.000 euros.
    • Seguros Zurich: El grupo Zurich está en más de 170 países y cuenta con una prima de 2.500.000.000 euros aproximadamente.
    • Mutua madrileña: No cuenta con ánimo de lucro. Es de más de 10 millones de personas. Cuenta con primas emitidas de 2.440.000.000 euros.
    • Allianz: Con más de 80 millones de clientes repartidos en los cinco continentes, cuenta con una prima de aproximadamente 2.000.000.000 euros.
    • Grupo Axa: Una de las aseguradoras más grandes del mundo, cuenta con una prima de 1.506.000.000 euros.
    • Catalana-Occidente: Tiene oficinas en más de 45 países y es la segunda a nivel mundial en el seguro de crédito. Cuenta con una prima de 1.505.000.000 euros.
    • BBVA Seguros: Una empresa de seguros y reaseguros que pertenece al Banco Bilbao Vizcaya, cuenta con una prima de 1.305.000.000 euros.
    • Generali: Es el segundo grupo asegurador del mundo, cuenta con una prima de 1.100.000.000 euros.
    • Caser: Dispone de unos 12 mil puntos de venta y más de 2.320 mediadores profesionales. Esta empresa aseguradora cuenta con una prima de 800.000.000 euros.

    A pesar de que todas tienen diferentes volúmenes de facturación podemos ver cómo nos ofrecen resolver nuestras necesidades con una rapidez vertiginosa. En el contexto económico podrías buscar la empresa que mejor tenga cobertura para ti y se adapte a tu bolsillo y a tus necesidades. No tomará ni 10 minutos en buscar una aseguradora del mercado para que puedas tomar la mejor decisión.


    Deutsche unternehmer, deutsche unternehmer.

    #Deutsche #unternehmer


    Willkommen bei IHK.de

    Sie sind Unternehmer und suchen einen Nachfolger? Sie sind Schüler und suchen einen Ausbildungsplatz? Dann – und nicht nur dann – sind Sie bei Ihrer Industrie- und Handelskammer (IHK) richtig. Hier kommen Sie auf den Weg: mit dem IHK-Finder und Infos zu den wichtigsten IHK-Angeboten.

    Für welche Themen interessieren Sie sich?

    Ausbildung

    Passende Fachkräfte und beste Karrierechancen: Alles zur betrieblichen Ausbildung.

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    Lehrgänge, Prüfungen, Beratung und mehr: Die IHKs sind Ihre Partner in allen Qualifizierungsfragen.

    Existenzgründung und Unternehmensförderung

    Unternehmer zu sein, bringt viele, sich im Laufe der Zeit ändernde Herausforderungen mit sich. Die IHKs stehen Ihnen zur Seite.

    Außenwirtschaft

    Mit Ihrem Angebot “made in Germany” in die Welt: Profitieren Sie vom Know-how, der Erfahrung und den Kontakten Ihrer IHK.

    Umwelt und Energie

    Von Abfallverwertung bis Klimaschutz: Die IHKs vermitteln, beraten und führen Register zu Umwelt- und Energiethemen.

    Recht und Steuern

    Von A wie AGB bis Z wie Zahlungsverpflichtung: Die IHK-Experten klären Ihre Fragen rund um Recht und Steuern.

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    Zukunft durch Innovationen: Intelligente Produkte, leistungsfähige Verfahren und neuartige Dienstleistungen.

    Flüchtlinge in Ausbildung und Beschäftigung

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    Annunci auto usate e km 0 da privati e concessionari, annunci privati auto usate.

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    Lista annunci auto usate da privati e concessionari

    Ricerca la tua prossima vettura usata tra migliaia di annunci su carAffinity

    Seleziona l’alimentazione desiderata

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    Scegli le carrozzerie desiderate

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    Seleziona la trazione

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    Nessuno 1 2 o più

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    Seleziona il range di potenza – kW(CV)

    <= 44 (<= 60) 44-55 (60-75) 55-66 (75-90) 66-81 (90-110) 81-92 (110-125) 92-100 (125-150) 110-147 (150-200) 147-184 (200-250) 184-220 (250-300) 220-257 (300-349) >= 257 (>= 349)

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    Industrie-Halle Teneriffa – Immobilien Angebote La Orotava – Seite 1, Teneriffa Immobilien – Das Immobilien Netzwerk von Teneriffa, immobilienangebote.

    #Immobilienangebote


    Immobilien Verkauf

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    Weitere Informationen

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    Industrie-Halle in La Orotava – La Orotava

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    Einfamilienhaus in La Paz – Puerto de la Cruz

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    G nstig Auto mieten – Teneriffa und Kanarenfl ge buchen – Reiseversicherungen

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    California s Low Cost Auto Insurance Program, lowest price auto insurance.

    #Lowest #price #auto #insurance


    California’s Low Cost Auto Insurance Program

    Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

    Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

    About California’s Low Cost Automobile Insurance Program

    California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

    However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

    Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

    CLCA important links:

    • Reports to the Legislature and Consumer Education and Outreach Plans
    • CLCA Tip Card (PDF)
    • Cost of CLCA Insurance Rates Sheet by County 201 7
    • Cost of CLCA Optional Rates Sheet 201 7
    • Good Driver Definition (PDF)
    • Applicant Income Eligibility Requirement (PDF)
    • Request CLCA Tip Cards to be mailed to your organization.
    • Invite CEOB to your outreach event or meeting!
    • If you have a question about the CLCA program, send us an e-mail!

    Contact Us:

    The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

    Consumer Education and Outreach Bureau

    300 S. Spring Street, South Tower

    Los Angeles, CA 90013

    Toll free (877) 401-9550

    The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).


    Progetta la tua cucina in 7 mosse, cucine ad angolo moderne piccole.

    #Cucine #ad #angolo #moderne #piccole


    Progetta la tua cucina in 7 mosse

    I fattori da considerare quando devi ristrutturare o acquistare la cucina sono molti. I nostri consigli per non sbagliare: dalla disposizione alla scelta degli elettrodomestici.

    Su un foglio di carta (magari millimetrata) riporta la pianta del locale riportando tutte le misure e gli elementi fissi (porta, finestra, calorifero, attacchi acqua e gas, pilastri e nicchie) nella posizione corretta. Su questa base, poi disegna a matita i vari elementi della cucina: basi profonde 60 cm e pensili profondi 35/37 cm sono modulari da cm 20/30/40/50/60/80/90/120. Per la lavastoviglie calcola un ingombro di cm 60×60, così come per il frigo, fuochi e forno standard, ma questi ultimi possono arrivare anche a cm 90 di larghezza. Il lavello misura da 50×50 (una vasca) a 120×50 cm (2 vasche più gocciolatoio).

    Mentre si preparano i cibi e si pranza, i piani di lavoro e di appoggio devono essere perfettamente illuminati senza che chi li usa rimanga abbagliato. Per fare luce nella zona operativa sono ideali i faretti sottopensile: alcuni modelli di cucine li prevedono già inseriti nella base del pensile stesso, in caso contrario si possono fissare successivamente (magari inclusi in barre che hanno anche prese elettriche). Il tavolo o il banco snack, invece, possono essere illuminati da piccole sospensioni che scendono dal soffitto per fermarsi a circa 60 cm dal piano. Infine per lilluminazione generale basta una sospensione centrale oppure due o tre faretti incassati nel controsoffitto (il numero dipende dalla grandezza e dalla forma del locale, limportante è che non sia buio e non si creino zone dombra).

    IN NEGOZIO SCEGLI MODELLO E MATERIALI

    Con il disegno della cucina e stabilito il budget a tua disposizione (devono rientrare anche trasporto e montaggio) recati presso uno o più rivenditori specializzati e sottoponi a un addetto il tuo progetto chiarendo tutto quello che dovrà contenere la tua cucina (attrezzature interne, elettrodomestici, luci). Fatti mostrare tutte le finiture disponibili per ante, cassetti e piani di lavoro (tocca con mano, non basta sfogliare cataloghi o immagini a video): individuate quelle che fanno per te, laddetto farà un rendering per verificare leffetto finale e un preventivo della versione scelta (fatti scorporare il costo degli elettrodomestici perchè puoi comprarli anche altrove). Meditaci con calma, scegli la soluzione che più ti piace e procedi allacquisto mettendo bene in chiaro dubbi ed esigenze.

    Con pianta e alzato della cucina scelta, contatta limpresa che farà i lavori di ristrutturazione del locale: devi stabilire disposizione e dimensionamento degli impianti: idraulico (se hai intenzione di rinnovarlo o modificarlo), del gas ed elettrico perchè corrisponda alle tue nuove esigenze. Le prese per gli elettrodomestici vanno sul muro, dietro (o a fianco per lispezionabilità) gli apparecchi stessi, a cm 30 da terra, fanno eccezione cappa (cm 180h) e forno in colonna (qui cm 120h). Metti un paio di prese a cm 110h sopra il top per i piccoli elettrodomestici (ma a mano di cm 60 dal lavello) e a cm 230h per faretti sottopensile.

    SCEGLI CON CURA I RIVESTIMENTI

    Passa ora a definire i materiali e i colori che vestiranno pavimento e pareti della tua cucina, prima da sola documentandoti su riviste e siti web, poi con limpresa recandoti presso un rivenditore. Partendo dal presupposto che è un locale umido e che tende a sporcarsi facilmente, tutte le superfici devono essere impermeabili e facili da pulire. La scelta più ovvia cade sulle piastrelle (e in questo caso colori e finiture sono praticamente infiniti), ma puoi anche pensare a un pavimento in resina o legno (prefinito o trattato) e a pareti semplicemente tinteggiate con uno smalto idrorepellente.

    Accordati con il rivenditore perchè venga a fare un sopralluogo preventivo del locale in cui va inserita la cucina almeno 40 giorni prima della data prevista per la consegna dei mobili: questo consente di effettuare, per tempo, eventuali modifiche al progetto, nonchè verificare il fatto che ci possano essere problemi per il trasporto dei vari elementi dal piano terra allappartamento (assenza di ascensore, vano scale troppo piccolo). Se gli elettrodomestici li acquisti in un altro negozio, organizzane la consegna nei giorni successivi a quello dellinstallazione della cucina. Sii presente in loco durante tutte le fasi di montaggio dei mobili perchè qualche imprevisto può sempre verificarsi.

    Partendo dai materiali e i colori che hai scelto per il locale e i mobili, devi dare lultimo tocco con gli accessori. Per esempio, se le ante o il pavimento sono in rovere e le pareti bianche, puoi abbinarvi altri 3 colori al massimo, ben coordinati tra loro. Noi abbiamo scelto azzurro verde e blu da riportare su tessili e stoviglie, più un tocco green con la lampada in rattan.

    Se ristrutturi la cucina senza spostare muri nè cambiarne le dimensioni non è necessario presentare alcuna richiesta di permesso al comune di appartenenza dellappartamento, occorre però mettere a norma il locale nel caso non lo fosse.

    Se nel locale decidi di installare fuochi a gas è obbligaroio realizzare un foro di areazione sulla parete esterna o sul vetro per garantire il corretto ricambio dellaria nella stanza. Il foro deve essere fatto a non più di cm 30 dal pavimento ed avere una sezione netta pari a 100 cmq (tubo ø cm 12). Nel caso in cui il foro si possa realizzare solo nella parte alta della parete, la sua sezione deve essere aumentata del 50%.


    Business & Commercial Insurance – Sage Insurance Services, Inc, las vegas auto insurance.

    #Las #vegas #auto #insurance


    Homeowners and Auto Insurance in Las Vegas, NV

    Individuals flock to Las Vegas for big risk, big reward adventures. However, when the bright lights fade, the greatest reward resides in protection against financial burdens associated with risk exposure. At Sage Insurance Services, Inc., we specialize in securing individuals and businesses in Las Vegas, and surrounding Nevada communities, with reliable insurance services.

    We don t roll the dice on your protection. Instead, we play the same cards that have held true since our agency s establishment more than two decades ago.

    Our agents work one-on-one with the clients we serve, confirming coverage is personalized to their needs. We ll take the time necessary to not only develop fitting coverage, but also educate clients on the integral components of their policy.

    Once requirements are mapped out, agents route coverage toward an established insurance product. At Sage Insurance Services, Inc., we have a close relationship with Nationwide Insurance, as well as Travelers Insurance and Progressive. For our clients, this translates to personalized service courtesy of a local agent partnered with a product from a nationally-renowned insurance company.

    Protection for the long-term profitability of Nevada companies is instituted within our business insurance program. Our current clientele consists of a variety of specific industries, including restaurants, bars, and churches. We administer insurance for Las Vegas businesses of all sizes and scopes, but for small to-medium sized operations we recommend a business owners policy (BOP). A typical BOP encompasses essential coverages relevant to businesses of this stature, such as commercial property insurance, general liability coverage, and crime insurance.

    To learn more about the coverages we offer, contact our agency at your convenience.

    What Happens in Vegas, Is Protected by Our Agents

    Ongoing service continues long after the policy purchasing process, as agents consistently monitor coverage and confirm rates remain competitive. If changes arise, we ll work directly with you to make certain these alterations are mirrored in your insurance policy.

    Don t take the gamble on insurance coverage. To begin working with us to secure a policy, feel free to request a quote.

    Additional Resources:

    Las vegas auto insurance



    Diventa Smile Stanhome – scopri un lavoro part-time flessibile e gratificante, gratificante.

    #Gratificante


    Gratificante

    Le comunichiamo, altresì, che i Suoi dati non verranno forniti a Terzi.

    CONDIZIONI GENERALI DI VENDITA

    Stanhome concede la possibilità di poter acquistare in ogni ordine da un minimo di 99,00€ fino a 250,00 € di prodotti per uso personale sul quale la scrivente Società applicherà uno sconto del 18%, per un totale massimo di ordine pari a 3.000,00 € sullanno solare. Lacquisto ad uso personale prevede espresso divieto di rivendita dei prodotti e doni acquistati.

    VANTAGGI di essere uno SMILE

    • Al primo ordine si potrà:
    • • acquistare un set di prodotti del valore di 100,00€ a soli 59,00€ senza contributo di trasporto
    • • ricevere il set del valore di 100,00€ gratis allinterno di un ordine di almeno 120,00€
    • Dal secondo al sesto ordine si riceverà, su ogni ordine di almeno 120,00€, prodotti omaggio del valore crescente da € 10,00 a € 45,00. Nel secondo ordine, in particolari campagne, la scrivente Società potrà proporre anziché prodotti omaggio degli incentivi del valore superiore ai prodotti stessi.
    • Al raggiungimento di € 750,00 in 3 cicli consecutivi (1 ciclo equivale a 1 catalogo promozionale), lordine che supera tale soglia verrà evaso con lo sconto del 18% e si potrà divenire Incaricata alle Vendite a domicilio sottoscrivendo la lettera di Incarico (modulo VEN) con conseguente guadagno provvigionale, in difetto di firma del modulo VEN lordine viene bloccato si dovrà attendere labbassamento della soglia dei 3 cicli al di sotto dei 750,00 €

    Diritto di recesso

    Spese di spedizione

    • • per i primi 2 ordini con acquisto minimo di 120,00€ di prodotti
    • • per lacquisto, nel primo ordine, del set (per un valore di € 100,00 di prodotti) al prezzo di 59,00€
    • • per limmissione del secondo ordine, allinterno dello stesso ciclo
    • • per ogni ordine superiore a 200,00€

    In tutti gli altri casi il contributo di trasporto seguirà le seguenti tariffe:

    • per ordini da € 99,00 a € 149,00 à spese di spedizione 5,00 €
    • per ordini da € 150,00 a € 199,00 à spese di spedizione 3,00 €

    Modalità di pagamento:

    il pagamento potrà avvenire a mezzo:

    • • Bollettino premarcato
    • • Data Matrix (per pagamenti smartphone)
    • • Addebito diretto SDD (Sepa Direct Debit)
    • • Bonifico bancario
    • • Cbill

    Stanhome procederà ad evadere gli ordini successivi al primo solo ed esclusivamente dopo che avrà ricevuto la conferma dell’avvenuto pagamento da parte della Posta, Banca, ecc.

    INFORMATIVA IN MERITO AL TRATTAMENTO DEI DATI PERSONALI

    La informiamo che Stanhome S.p.A., quale Titolare del trattamento, tratterà i suoi dati personali nel pieno rispetto della normativa vigente e per le finalità che più appresso le sono meglio esplicitate.

    Per “dati personali”, nel contesto della presente informativa, sintendono informazioni o parti di esse che potrebbero permettere la sua identificazione quali, ad esempio, il nome ed il cognome, il codice fiscale, il nome utente, i dati bancari dellutente, lindirizzo di residenza, lindirizzo di posta elettronica e il numero di telefono, o altre informazioni come, per esempio, lindirizzo IP del dispositivo elettronico utilizzato per accedere al portale www.diventasmilestanhome.it.

    • • Assolvere agli obblighi di legge e di contratto;
    • • Consentire la registrazione al sito www.diventasmilestanhome.it;
    • • Consentire lerogazione dei prodotti e servizi richiesti dagli utenti;
    • • Consentire comunicazioni di marketing diretto e la partecipazione a campagne promozionali.
    • • Consentire lesame (in forma anonima e aggregata) delle statistiche relative alle attività del sito internet www.diventasmilestanhome.it.

    Il conferimento dei dati personali in ossequio alle finalità di cui ai punti b), c) e d) che precedono deve considerarsi facoltativo, ma il mancato conferimento potrebbe comportare la impossibilità, in tutto o in parte, di erogare i servizi e fornire i prodotti richiesti.

    I suoi dati personali saranno trattati per le finalità sopra indicate da personale e collaboratori della Stanhome in qualità di incaricati del trattamento e potranno essere comunicati, laddove necessario, ai partner tecnologici e strumentali di cui il Titolare si avvale per l’erogazione dei servizi richiesti dagli utenti quali responsabili del trattamento e potranno essere oggetto di trasferimento allestero nellambito della Unione Europea.

    I sistemi informatici e le procedure software preposte al funzionamento del Sito web acquisiscono, nel corso del loro normale esercizio, alcuni dati personali la cui trasmissione è implicita nell’uso dei protocolli di comunicazione di Internet. Si tratta di informazioni che per loro stessa natura potrebbero, attraverso elaborazioni ed associazioni con dati detenuti da terzi, permettere di identificare i computer che si connettono al sito. In questa categoria di dati rientrano gli indirizzi IP o i nomi a dominio dei computer utilizzati dagli utenti che si connettono al Sito Web, gli indirizzi in notazione URI (Uniform Resource Identifier) delle risorse richieste, l’orario della richiesta, il metodo utilizzato nel sottoporre la richiesta al server, la dimensione del file ottenuto in risposta, il codice numerico indicante lo stato della risposta data dal server (buon fine, errore, ecc.) ed altri parametri relativi al sistema operativo e all’ambiente informatico dell’utente. Questi dati potrebbero essere messi a disposizione di Magistratura e Forze di Polizia per l’accertamento di responsabilità in caso di illeciti commessi attraverso il sito o di reati informatici ai danni del sito.

    La normativa vigente attribuisce all’interessato specifici diritti tra i quali quello di conoscere quali sono i suoi dati personali in possesso di Stanhome e come vengono utilizzati, di ottenere la cancellazione, la trasformazione in forma anonima o il blocco dei dati trattati in violazione di legge nonché l’aggiornamento, la rettificazione o, se vi è interesse, l’integrazione dei dati e di opporsi, per motivi legittimi al trattamento stesso. L’interessato, infine, può in qualsiasi momento opporsi ai trattamenti finalizzati all’invio di materiale commerciale e pubblicitario e deputato alla vendita diretta.


    Máquinas de Oficina o Taller, Plegadoras de Papel, Guillotinas, etc, maquinas de oficina o taller.

    #Maquinas #de #oficina #o #taller


    Máquinas de oficina o taller

    Como ya saben, somos especialistas en máquinas de oficina o taller, desde pequeñas para un uso de entre 1 y 5 usuarios, hasta de gran capacidad de trabajo para ser utilizadas por más de 50 personas. A continuación, queremos especificarles las máquinas de oficina o taller que pueden encontrar en nuestra tienda online, IdealSystems.es, y las marcas con las que trabajamos. Importantes empresas han confiado en nosotros y siguen haciéndolo cada día.

    Maquinas de oficina o taller

    Maquinas de oficina o taller

    ¿Qué máquinas de oficina o taller pueden encontrar en IdealSystems?

    • Destructoras de papel y de soporte óptico.
    • Guillotinas de papel.
    • Cizallas de papel.
    • Microperforadoras.
    • Hendidoras.
    • Encuadernadoras.
    • Plastificadoras.
    • Plegadoras de papel.
    • Ensobradoras.
    • Cortadoras de tarjetas.
    • Taladradoras de Papel.
    • Cantoneadoras.
    • Troqueles.
    • Grapadoras eléctricas.

    Marcas de máquinas de oficina o taller con las que trabajamos

    • IDEAL. Esta marca es la más presente dentro de nuestro catálogo de máquinas de oficina o taller, y para nosotros es la mejor marca de maquinaria del mercado. Tecnología alemana de alta calidad, con una amplia gama de productos y multitud de modelos.
    • NUESTRO CATÁLOGO con hendidoras, microperforadoras y plegadoras de papel de la mejor calidad. Máquinas resistentes que aportan unos acabados impecables a los trabajos realizados y de fabricación Europea.
    • STAGO. Somos distribuidores oficiales en España de esta marca que ofrece maquinaria de gran calidad, como taladradoras de papel, grapadoras eléctricas y manuales, y cantoneadoras. De nuevo, tecnología alemana de alta calidad, ya que Alemania es el país líder en máquinas de oficina o taller.
    • NEOPOST. Prestigiosa marca francesa que deja en nuestro catálogo plegadoras de papel de calidad y las mejores ensobradoras del mercado.

    Les recordamos que también podemos ofrecerles servicio técnico de máquinas de oficina o taller, porque contamos con un equipo de profesionales expertos en el sector, que operan por todo el territorio nacional, y que han sido formados por las casas IDEAL y NEOPOST.

    Suscríbete y recibirás por e-mail:


    Segmüller Küchen, preiswerte kleine winkelküchen.

    #Preiswerte #kleine #winkelküchen


    Segmüller für Nürnberg

    In unserem Partner-Netzwerk führen wir über 600 Küchenstudios, die Ihnen den exklusiven Käuferportal-Rabatt gewähren. Alle Partner sind von uns geprüft, um Ihnen die beste Qualität zu bieten. Sie beschreiben uns Ihre Traumküche und wir vermitteln Ihnen bis zu drei passende Angebote. Sie vergleichen diese und sparen dabei Geld. Kostenlos und unverbindlich.

    Seit 85 Jahren bietet Segmüller wohnliche Möbel zum fairen Preis, darunter auch Küchen in verschiedenen Designs und Formen. In 7 Einrichtungshäusern präsentiert das Unternehmen seine Leidenschaft für Möbel und bietet Kücheninteressenten eine umfassende Beratung, damit der Weg zur Traumküche so einfach wie möglich ist.

    Segmüller Küchen – Das Angebot

    Die Küche ist Lebensmittelpunkt des Hauses – danach sind alle Küchenkonzepte von Segmüller gestaltet. Individuelle Lösungen verbunden mit optischen Highlights und funktionalen Elektrogeräten spiegeln die Leidenschaft des Einrichtungshauses wider. Der Stil der Küchen ist stets elegant, modern oder klassisch. Neuartige Küchen-Wohnkonzepte in warmen Farben oder Trendküchen in Metalloptik überzeugen Familien sowie designorientierte Käufer. Wer es schlichter mag, kann auch auf eine große Auswahl einfacher Küchenzeilen in dezenten Farben zurückgreifen. Bei den Küchen führt Segmüller unter anderen folgenden Hersteller:

    Bei der Wahl der Küchenform haben Kunden die volle Auswahl: Klassische Zeilen, Winkelküchen oder Insellösungen bietet Segmüller in seinem umfangreichen Küchensortiment an. Darüber hinaus können Kunden gleich das passende Esszimmer oder die neue Sitzecke mitkaufen. Bezüglich der Preise bewegt sich das Möbelhaus in allen Kategorien. Singles oder Studenten können kleinere, preiswerte Küchenzeilen bereits ab 1.500 Euro erwerben. Wer es exklusiv und trendig mag, wird bei den Designküchen von Poggenpohl fündig. Diese kosten je nach Modell und Form ab 9.000 Euro aufwärts.

    Segmüller Küchen – Der Service

    Beratung: 3D gestützte Tools zur Küchenplanung zeigen dem Interessenten, wie die neue Küche aussehen wird. Dabei achten die Fachberater auf alle wichtigen Punkte, wie zum Beispiel die Lage der Wasser- und Stromanschlüsse. Auf Wunsch kommen die Berater auch zu den Kunden nach Hause, um eine noch bessere Beratung zu gewährleisten.

    Lieferung und Montage: Die Lieferung der Küche führt Segmüller selbst aus und übernimmt die volle Garantie für eine pünktliche Lieferung. Für die Küchenmontage stellt das Unternehmen erfahrene Handwerker zur Verfügung, damit die Küche schnell und sauber aufgebaut wird.

    Entsorgung: Nicht nur faire Preise, sondern auch Umweltschutz wird groß geschrieben. Deswegen nimmt Segmüller den kompletten Verpackungsmüll nach der Montage mit und recycelt diesen umweltgerecht. Gegen eine kleine Gebühr können Kunden auch ihre alte Küche abholen und entsorgen lassen.

    Finanzkauf: Segmüller bietet alle Küchen zum Ratenkauf an, ohne Anzahlung. Zusammen mit dem Fachberater findet sich für jeden Kunden das passende Finanzierungsmodell.


    Auto Loans & Car Financing with Nationwide, auto 24 it.

    #Auto #24 #it


    Auto Loan Rates

    We offer a variety of loan terms and flexible interest rates for your vehicle. APR* as low as 2.80%.

    Get Pre-approved

    Our online auto loan application takes the hassle out of car buying.

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    NATIONWIDE AUTO SHOPPING SERVICE

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    Call 1-877-422-6569 9 a.m. – 8 p.m. ET Monday – Friday

    We help make car shopping easier for you

    With Nationwide, you can get a great low rate and find the perfect car for a fair price completely online. Our car shopping service powered by TrueCar allows you to compare vehicles side-by-side and see what other customers have paid with free vehicle reports. Buyers using TrueCar have saved an average of $3,279 off MSRP 1 on new cars and received exclusive used car discounts. Save time and hassle by getting everything you need online.

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    Get an auto quote

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    Once you find the perfect car, finance it with us. We offer great rates for new, used and refinance car loans, along with flexible terms and payment options. With our new, streamlined approval process, you can apply for Nationwide auto loans online, get pre-approved and even sign your loan documents – anywhere and anytime.

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    [1] Between 7/1/15 and 9/30/15, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer. TrueCar does not sell or lease motor vehicles.

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    Nationwide Mutual Insurance Company, Nationwide Mutual Fire Insurance Company, Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company and Nationwide Investment Services Corporation are affiliates of Nationwide Bank. The insurance products and services offered through these affiliates of Nationwide Bank are not insured by the FDIC or any federal government agency, nor are they guaranteed by, deposits of or obligations of Nationwide Bank. The products and services offered through Nationwide Investment Services Corporation are subject to investment risk, including possible loss of value.

    Programs (including, without limit, fees, rates and features) are subject to change without notice.

    Nationwide, the Nationwide N and Eagle, Nationwide is on your side and Nationwide Bank are service marks of Nationwide Mutual Insurance Company. ©2018

    Nationwide Bank, Member FDIC, is a federally chartered savings bank. Loans, lines of credit and credit cards are not insured by the FDIC. Nationwide Bank is an Equal Housing Lender.


    Auto usate: come funziona il motore di ricerca Autouncle, motore ricerca auto usate.

    #Motore #ricerca #auto #usate


    Autouncle, un motore di ricerca per le auto usate

    Sono reperibili oltre 620.000 vetture, con la comparazione di 13 siti di annunci italiani

    Quante volte per organizzare una vacanza o un viaggio di lavoro, avete cercato un volo o un hotel su uno di quei siti comparativi? Ora ГЁ arrivato un motore di ricerca anche per chi sta cercando un auto usata: si chiama Autouncle.it. Questo sito aggrega 13 siti di annunci, per un totale di oltre 620.000 vetture, di ogni tipo, marca e modello. Proprio come avviene con i web per i trasporti ed alberghi, la ricerca puГІ essere dedicata con tante chiavi classiche (come tipo, prezzo e chilometraggio), oppure altre piГ№ specifiche.

    Tra quest’ultime troviamo il tipo di cambio, colore, cavalli del motore o il numero dei precedenti proprietari. Un’altra funzione interessante è legata alla risoluzione del problema degli annunci duplicati: se viene inserito in più di un sito, ne risulterà solamente uno nel risultato della ricerca. Nella schermata viene data anche una valutazione di prezzo, una volta completata la ricerca: di fianco all’importo, infatti, c’è un giudizio (sono cinque i gradi, da ‘super prezzo’ fino a ‘molto cara’) sul rapporto qualità /costo della vettura.

    Ovviamente è possibile effettuare una scelta sul tipo di carburante utilizzato dalla vettura e c’è anche la sezione elettrica, con 157 auto a zero emissioni attualmente in vendita. Dunque, anche questo settore sta iniziando ad avere un suo piccolo mercato dell’usato, seppur ancora poco sviluppato. Per concludere, se un utente non riesce a trovare il modello che lo soddisfa, può attivare notifiche personalizzate che lo avvisano nel momento in cui viene messa in vendita un’auto corrispondente alle sue richieste.


    SUMINISTROS DE PAPELERIA CASTILNOVO SL: datos identificativos y financieros, Infoempresa, suministros de papeleria al por mayor.

    #Suministros #de #papeleria #al #por #mayor


    SUMINISTROS DE PAPELERIA CASTILNOVO SL

    Información general

    Con nuestros planes de descuento

    accedes a nuestros informes a un precio reducido.

    Suministros de papeleria al por mayor

    Suministros de papeleria al por mayor

    Suministros de papeleria al por mayor

    Suministros de papeleria al por mayor

    Suministros de papeleria al por mayor

    Suministros de papeleria al por mayor

    • Datos identificativos
    • Actividad
    • Información Mercantil (BORME)
    • Directivos (Cargos vigentes y no vigentes)
    • Dominios
    • Datos identificativos
    • Actividad
    • Información Mercantil (BORME)
    • Directivos (Cargos vigentes y no vigentes)
    • Dominios
    • Incidencias judiciales de concursos
    • Cuentas Anuales y Estados Contables
    • Análisis económico y financiero
    • Cuentas Anuales – Formato Registro Mercantil
    • Opinión de crédito y análisis de riesgo
    • Incidencias de pago (ASNEF Empresas)
    • Balance
    • Cuenta de Pérdidas y Ganancias
    • Estado de cambios en el patrimonio neto
    • Estado de Flujos de Efectivo
    • Memoria

    Suministros de papeleria al por mayor

    Suministros de papeleria al por mayor

    • Suministros de papeleria al por mayor
    • Suministros de papeleria al por mayor
    • Suministros de papeleria al por mayor

    Directivos

    Últimos movimientos:

    Mapa de Directivos:

    • Nombre: BLAZQUEZ PAREJO ELADIO Cargo: Socio único Nombramiento: 07/05/2015
    • Nombre: BLAZQUEZ PAREJO ELADIO Cargo: Administrador único Nombramiento: 07/05/2015

    Últimos actos Borme

    Comienzo de operaciones: 230415 Objeto social: Comercio al por mayor y al por menor Distribución comercial Importación y exportación Domicilio: C/ COLON 31 (VILLANUEVA DE LA SERENA) Capital: 3000,00 Euros


    Yabeen – Home Design, Decorating ideas, Interior Design, Professionals in india, household interior design.

    #Household #interior #design


    Architecture and interior design ideas, trends and home decore products in india

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    ECO-PURE BIOFILTER

    #peatmoss,septic #system,biofilter,onsite #treatment,advanced #secondary #treatment,tanks #septic,drip #irrigation,waste #water,treatment #for #waste #water,low #pressure #sewer


    #

    Planet Care, Inc.

    We are very pleased to announce that on January 15, 2010 Planet Care, Inc. acquired the assets of Eco-Pure, Inc. Fort Myers, Florida. Planet Care has relocated all Eco-Pure product manufacturing to Pulaski, Virginia. This transition has been in planning for the past year.
    Our initial product offering will consist of the Eco-Pure Peat Moss Biofilter and Eco-Pure Polyethylene Septic and Pump Tanks.
    The Eco-Pure products have performed very well in the field for many years and we will enjoy strong growth with the Eco-Pure product brand.

    Planet Care is committed to the following:

    1. Excellent customer service
    2. Responsive technical support
    3. Enhancing business partnerships
    4. Continuous product improvements
    5. New Product and Service Development

    Planet Care is an environmentally conscious company and we will always keep the consumer in mind. We realize that people may not want to spend a great deal of money for their sewage system. We have many years of experience in the onsite waste water industry and realize the need for good products and services at a fair price. We are interested in protecting the the environment and the consumer.

    Clink the link for a copy of the Press Release announcing the acquisition of Eco-Pure.

    We look forward to serving the existing Eco-Pure clients and building new relationships.

    Proudly Made in the U.S.A.

    Be Gentle With The Earth
    Planet Care, Inc. 2010


    About mesothelioma

    #mesothelioma #of #the #pleura


    #

    About mesothelioma

    Find out about who gets mesothelioma, where it starts and how common it is.

    What it is

    Mesothelioma is a cancer that most commonly starts in the layers of tissue that cover each lung (the pleura). More rarely it starts in the layer of tissue in the abdomen that surrounds the digestive system organs (the peritoneum).

    How common it is

    In the UK more than 2,600 people are diagnosed with mesothelioma each year. It is quite a rare cancer, but it is becoming more common.

    Mesothelioma in the chest (pleural mesothelioma) is much more common than mesothelioma in the abdomen (peritoneal mesothelioma).

    Who gets it

    About 5 times more men than women get mesothelioma. This is probably because it is often caused by exposure to asbestos at work.

    In the UK, on average each year half (50%) of cases were diagnosed in people aged 75 and over.

    Where it starts

    Mesothelioma starts in the types of cells that cover the outer surface of most of our internal body organs (mesothelial cells). These cells form a lining called the mesothelium.

    About three quarters (75%) of mesotheliomas are in the chest. This is called pleural mesothelioma.

    About a quarter (25%) of mesotheliomas are in the tummy (abdomen). This is called peritoneal mesothelioma.

    The lungs and pleura

    Pleural mesothelioma starts in the two sheets of tissue that cover your lungs (called pleura or pleural membranes). The gap between the pleura is called the pleural space.

    These sheets help to protect your lungs. They also make a fluid that helps them slide over each other when your lungs expand and deflate as you breathe. The gap between these sheets is called the pleural space.

    The sheet of tissue covering the heart (the pericardium) is very close to the pleura. So in some people pleural mesothelioma may also spread into the pericardium. The diagram below shows the pleura thickening due to mesothelioma.

    The abdomen and peritoneum

    The sheet of tissue covering the organs of your tummy (abdomen) is called the peritoneum. It helps to protect the contents of your tummy and keep them in place. It also makes a lubricating fluid that helps the organs inside move smoothly against each other as you move around.

    Mesothelioma of the tissues lining your abdominal cavity is called peritoneal mesothelioma. It does not usually spread to other parts of the body.

    Benign mesothelioma

    Very rarely, a non cancerous (benign) type of mesothelioma can develop in the lining of your lungs or the lining of your reproductive organs. This can happen in men and women. These tumours are so rare that we don’t cover them here.

    Information and help

    Cancer research information


    Divorce in Colorado

    #divorce #attorney #in #denver


    #

    Divorce

    Going through divorce is one of the most challenging times in our life, even when the break-up is amicable. You are in the thick of it all and emotions run high. In times like this it is difficult to know what steps to take and how to best protect you. Divorce process can be complex. Our experienced, knowledgeable Denver divorce attorneys are here to help you, as much as you need or every step of the way, from the initial consultation to the final divorce degree, and beyond.

    The Divorce Process in Colorado

    The divorce process in Colorado follows a fairly straightforward path from filing for divorce to the degree of Dissolution of Marriage. However there are a few variables depending on whether the divorce is contested or uncontested or if the couple has children of their marriage or not.

    Note: The steps for Legal Separation are the same as for getting a divorce in Colorado.

    For additional information follow the applicable links below or view additional resources towards the bottom of this page.

    Overview of the Divorce Process

    Before actually filing documents to initiate the divorce proceedings, many engage in planning the divorce. This is often a time when you might meet with/retain an attorney and discuss your situation and what is the best course of action in your case.

    The first steps in obtaining a dissolution of marriage in Colorado is to file for divorce. You can either file jointly with your spouse or by yourself. Either you or your spouse must reside in Colorado for at least 91 days preceding the filing. The filing is typically done at the county where the Respondent is residing at the time of the filing.

    After filing the initial documents and before the Initial Status Conference you and your spouse will need to complete additional documents including a Sworn Financial Statement and make mandatory financial disclosures to each another.

    If minor children are involved, both parties are required to complete a court-approved parenting class prior to the Initial Status Conference. Each parent will receive a certificate of completing from the class.

    The court will schedule an Initial Status Conference, which is to be held within 45 days of the filing. In some counties you will receive a date when you file for divorce, in others you may need to call to get a date scheduled. You and your spouse will need to attend. The Initial Status Conference is either held in front of a judge or a family court facilitator, depending on the county. Some counties may hold this conference via telephone. More about Initial Status Conference

    If Temporary Orders were not entered during the Initial Status Conference there may be a separate hearing scheduled for Temporary Orders. Not all cases have temporary orders entered prior to Permanent Orders Hearing.

    If the divorce is contested the court requires the parties to mediate before entering a final Dissolution of Marriage degree.

    The Permanent Orders Hearing is the hearing held in court where the final orders are entered for the Dissolution of Marriage. The orders may include child support, parenting time, maintenance, property division etc. You will have a Degree of Dissolution of Marriage at the end of this Permanent Orders Hearing.

    Click on the buttons below to navigate directly to the divorce topics listed.

    Related Articles for Colorado Divorces

    • Dividing Retirement Assets in a Divorce in Colorado
    • Eligibility for Spousal Maintenance i.e. Alimony in Colorado
    • Business Value as a Marital Asset in a Colorado Divorce
    • Separate vs. Marital Property in Colorado
    • Annulment Procedures Deadlines in Colorado

    The content of this page is for general informational purposes only, and should not be considered advice in your case. Every divorce, even amicable one, has legal nuances that only an attorney can understand. If you’re getting a divorce, you need a Denver divorce attorney who knows the intricacies of divorce in Colorado and the details of the law.

    The content of this page is for general informational purposes only, and should not be considered advice in your case. If you’re getting a divorce, you need a Denver divorce attorney who knows the intricacies of divorce in Colorado and the details of the law.

    Call for a FREE consultation 720-500-7778. All inquiries are strictly confidential.

    FREE CONSULTATION


    The future of Cloud computing

    #cloud #computing #in #the #future


    #

    ITProPortal

    The future of Cloud computing

    In order to consider the future of cloud computing, it s important to realise that there are a number of different adoption scenarios out there. These include:

    • Established enterprises and service providers that are bogged down in brownfield mode, struggling with how to simultaneously do both the old and the new IT; most likely with the same shrinking IT budgets.
    • New companies that are unburdened with legacy technology, who not only choose cloud first on their own, but they are also potentially pushed by their investors to take a cloud first approach.

    The older companies might also have a history of insufficient IT investment and will continue to struggle to adapt to the new technology landscape because of their legacy IT. New entrants to their markets are threatening to disrupt the establishment because of the different approach to IT and cloud use, not just because of the difference in market offerings.

    The following observations of the future of cloud apply to both scenarios, albeit to different extents.

    1. We will see more cloud-like capabilities in traditional datacentres.

    For those companies that need, or want, to continue to rely on the traditional corporate data center, new vendors are offering, and will continue to offer, new cloud-like capabilities such as hyperconverged infrastructure. These are one-click, simple-to-use systems that are full of enterprise features and scalable like the cloud ultimately delivering a cloud-like feel.

    1. Consumer mobility use will continue to drive enterprise use.

    Consumer mobility use has made cloud the default for the users of the most-ubiquitous compute device on the planet the smart phone. But it s not just limited to consumers, as this mobility-cloud relationship is also penetrating the enterprise through BYOD (bring your own device), advancements in corporate mobile-device provisioning policies, and consumer-world-driven expectations of corporate IT.

    One of the easiest ways for corporate IT to deal with these new and raised expectations, is to offer cloud-like services including rebadging/white-labelling public cloud services, such as Box or Dropbox used for enterprise storage. This means that consumers aren t just growing their own personal cloud use, they are also driving up enterprise consumption too.

    1. Big data will continue to drive adoption.

    Big data and analytics have quite a complex cloud interaction. While the brains for these systems are definitely easier to access in the cloud, for instance machine learning and Hadoop-type systems, enterprises can find it difficult to push large datasets into the cloud.

    It s why AWS (Amazon Web Services) and other cloud service providers will let you use sneakernet to physically post tapes and disks to them. Additionally, concerns over storing large, but confidential, data sets in the cloud will continue to drive the growth of hybrid analytics systems, which let the cloud systems access on-premise data sets via dedicated lines from the likes of AWS and Azure.

    1. Cloud will drive increased adoption of SDN and NFV to create more efficient network architectures.

    The cloud leaders such as AWS and Azure say that they couldn t manage their networks without SDN (software-defined networking) and NFV (network functions virtualisation) technologies. Azure is also taking its learnings and bringing them out of the web-scale cloud environment and into the service provider and enterprise domains. Other traditional vendors are also pushing SDN and NFV for the data center, albeit from different perspectives, and new entrants like vArmour, Illuminous, and others are adding value on top of SDN and NFV in a cloud context.

    1. The larger global cloud service providers will continue to go regional.

    While many regional cloud service providers have won business by playing the locality card, the leading global cloud players are now coming to most geographic regions. And they offer a service that cannot be matched by the smaller regional players. This capability gap might be fixed by the emergence of cloud federations such as HP Cloud28+ and Cisco Intercloud, but this remains to be seen.

    1. Security will change from being a reason not to do cloud to being the reason to do it.

    The leading cloud service providers are excellent at security, and offer the same best-in-class security features to everyone, at the same price. And this utilitarian approach to security will drive many companies to take a cloud-first approach due to potentially better security at a lower cost. There are also numerous start-ups in this area that add even more security-goodness on top of existing cloud service provider security features. Ultimately, the additional cost of doing things on-premise because of security concerns should be questioned.

    Just as cloud democratises security, it also democratises data processing. In the 1990s it would cost companies millions of dollars, and take months if not years, to do data warehousing. Now, using the cloud, a teenager in their bedroom can do machine learning at a minimal cost.

    1. Cloud will become an extraneous term that isn t needed anymore.

    Cloud is no longer the thing that is different, and increasingly the focus is on the things that aren t cloud with questions asked about why they are still needed. So, like the term webmail became just email, there s no doubt that the use of the term cloud as a descriptor or differentiator will diminish.


    Rentenfaktor 2018, ovag versicherung.

    #Ovag #versicherung


    FinNet.de

    Das unabh ngige Informations- und Vergleichsportal

    f r Versicherungen und Finanzen

    Existenzielle Risiken

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    Rentenfaktor – Aktuelle Informationen 2018

    Rentenfaktor – Die harte Garantie der Rentenversicherung

    Viele Versicherungsgesellschaften werben f r Ihre Versicherungsprodukte (wie Riester, R rup Rente, private Rentenversicherung) mit sog. harten Rentenfaktoren. Studiert man jedoch die AVB (Allgemeine Versicherungsbedingungen), zeigt sich h ufig, dass sich der vermeintlich sicherer Rentenfaktor oftmals nur auf das Garantiekapital bezieht. Bei einem Riester Rente Vergleich oder einem R rup Rente Vergleich sollte daher auf den Rentenfaktor geachtet werden.

    Rentenfaktor bei fondsgebundenen VersicherungenOvag versicherung

    Bei einer fondsgebundenen Versicherung h ngt die Rentenh he vom Fondsverm gen und dem jeweiligen Rentenfaktor ab. Der Rentenfaktor gibt Aufschluss dar ber, wie viel Rente je 10.000,- Euro Fondskapital ausgezahlt wird. Besonders bei Riester Rente Vertr gen wird oftmals zwischen 2 unterschiedlichen Rentenfaktoren unterschieden: ein Rentenfaktor bezieht sich auf das Garantiekapital und der andere Rentenfaktor auf das berschusskapital. Besonders empfehlenswerte Tarife garantieren den bei Vertragsabschluss g ltigen Rentenfaktor f r das gesamte Kapital (= Garantiekapital + berschusskapital). Das bedeutet, dass der Rentenfaktor f r das Rentenkapital inklusive Zulagen und Sonderzahlungen garantiert ist. Der Rentenfaktor ist somit nicht reduzierbar; die sog. Treuh nderklausel findet bei diesen Tarifen keine Anwendung (sog. Verzicht auf Treuh nderklausel). Die Treuh nderklausel erm glicht es einem Versicherer, die garantierte Renten an die zu Rentenbeginn ver nderte Lebenserwartung des Versicherten nach unten anzupassen.

    Bedeutung eines harten Rentenfaktors

    Die gro e Bedeutung eines 100% harten Rentenfaktors wird deutlich, wenn man den Verlauf der sog. Sterbetafeln betrachtet (ADST873 M/F, DAV1994R M/F, DAV2004R M/F). Vergleicht man die Lebenserwartungen im statistischen Durchschnitt wird klar, weshalb ein harter Rentenfaktor so relevant ist. Die Lebenserwartung wird ber die Jahr immer h her. Ein Versicherer muss an einen Versicherten im Rahmen einer Riester Renten, R rup Rente oder Private Lebensversicherung oder Rentenversicherung eine lebenslange monatliche Rente erbringen. Steigt jedoch die Lebenserwartung der Versicherungsnehmer, so muss der Versicherer hier insgesamt eine h here Summe auszahlen.

    Rentenfaktor – Sterbetafel – Treuh nderklausel

    Daher greifen viele Versicherer auf die zu Rentenbeginn aktuelle Sterbetafel zur ck und reduzieren mit Hilfe der Treuh nderklausel die zu Vertragsabschluss bzw. Angebotserstellung einer Rentenversicherung ausgewiesenen Rentenwerte. Dies ist ein erheblicher Nachteil f r den Versicherten. Wie entsprechende Grafiken zeigen, ist der Rentenfaktor f r einen 1965 geborenen Mann innerhalb von 17 Jahren um ca. 33% gesunken. Entsprechend erh lt dieser Versicherungsnehmer eine um 1/3 niedrigere monatliche Rente, sofern die Rentenfaktoren einer Versicherungsgesellschaft nicht 100% hart sind.

    Da die Lebenserwartung auch in Zukunft voraussichtlich weiter steigen wird, ist es umso wichtiger, sich bei der Wahl f r eine Riester Rente, R rup Rente oder einer Lebensversicherung oder Rentenversicherung f r einen Tarif zu entscheiden, bei dem der Versicherer den Rentenfaktor nicht absenken kann.

    Es gibt sogar Tarife, die in diesem Zusammenhang eine sog. Besserstellungsoption anbieten und f r den Fall, dass die Lebenserwartung entgegen den Prognosen steigt, der Rentenfaktor entsprechend angehoben w rde.

    Altersvorsorge Vergleich 2018

    Anfrage Altersvorsorge Angebot 2018

    Ovag versicherung

    Das unabh ngige Informations- und Vergleichsportal zu Versicherungen, Finanzen, Geld, Energie, Telekommunikation

    Altersvorsorge – Riester Rente – R rup Rente – Berufsunf higkeitsversicherung – Dienstunf higkeitsversicherung

    Krankenversicherung – Gesetzliche Krankenversicherung – Private Krankenversicherung – Baufinanzierung – Privathaftpflicht

    Hausratversicherung – Rechtsschutz – Unfallversicherung – Tierversicherung – Geb udeversicherung – Berufshaftpflicht

    Betriebshaftpflicht – Gewerbeversicherung – Firmenversicherung – Risikolebensversicherung

    Kreditvergleich – Tagesgeld – Festgeld – Strom – Gas – DSL – Mobilfunk / Handy

    Aktuelle Angebote, Rechner, Vergleiche 2018

    Auf den einzelnen Seiten werden u.a. auch Produkte und Tarife folgender Versicherungsgesellschaften,

    Assekuradeure, Deckungskonzeptanbieter etc. beschrieben und ggf. in entsprechenden Vergleichsrechnern

    detaillierter analysiert und verglichen:

    Aachen M nchener – Adac – Adcuri – Advigon – Bbkk – Advocard – Allianz – Allrecht – Alte Leipziger – Alte Oldenburger – Amex – Ammerl nder – Arag – Aspecta – Asstel – Auxilia – Axa – Baden Badener – Badische – Baloise – Barmenia – Basler – Bavaria Direkt – Bayerische – Bayern Versicherung – Bbv – Bgv – Bruderhilfe – Canada Life – Care Concept – Cash Life – Central – Clerical Medical – Concept – Concordia – Condor – Consal – Continentale – Cosmos Direkt – Css – Da Direkt – Das / D.A.S. – Dbv – Debeka – Delta Direkt – Dema – Deurag Rechtsschutz – Deutsche rzteversicherung – Deutscher Ring – Devk – Dialog – Direct Line – Dfv Deutsche Familienversicherung – DKV – Dmb – Docura – Domcura – D sseldorfer – Envivas – Ergo – Ergo Direkt – Europa – Fahrlehrer Versicherung – Familienf rsorge – Fortis – Friends Provident – Generali – Gothaer – Grundeigent mer Versicherung – Gvo – Haftpflichtkasse Darmstadt Hkd – Hallesche – Hannoversche – Hanse Merkur – Hdi – Heidelberger – Helvetia – Hiscox – Huk – Huk24 – Ideal – Inter – Interlloyd – Interrisk – Itzehoer – Janitos – Jurpartner – Karlsruher – Kravag – Ks Auxilia – Landeskrankenhilfe – Lkh – Lsh – Lvm – Mannheimer – Markel – Mecklenburgische – Medien Versicherung – Moneymaxx – M nchener Verein – Neckermann – Neue Leben – Nrv – N rnberger – Nv – ffentliche – rag – sa – Ontos – Ovag – Policen Direkt – Prisma Life – Provinzial – Pvag – Quantum Leben – Rechtsschutz Union – Rheinland – Rhion – Roland – Rv24 – R+V – Schleswiger – Schleswiger AG – Sdk – Signal Iduna – Skandia – Sparkassen Versicherung SV – Sparkassen Direkt – Standard Life – Stuttgarter – Swiss Life – Universa – Union Krankenversicherung Ukv – Vgh – Vhv – Victoria – Vkb Versicherungskammer Bayern – V dag – Volksf rsorge – Volkswohl Bund – Vpv Vereinte Postversicherung – Waldenburger – Wgv – W rttembergische – W rzburger – Wwk – Zurich / Z rich

    Ovag versicherung

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    Im Durchschnitt wird diese Seite zu Finanzen und Versicherungen mit 4.6 bewertet,

    wobei 1 die schlechteste und 5 die beste Bewertung ist.


    Reunificación de Deudas Sin Hipoteca, Propiedad o guelo, reunificar deudas sin hipoteca.

    #Reunificar #deudas #sin #hipoteca


    Reunificar Deudas Sin Hipoteca

    Reunificar deudas sin hipoteca

    Cómo realizar una reunificación de deudas sin hipoteca

    La reunificación de deudas sin hipoteca es una opción para personas que tienen contraídos varios préstamos y no pueden devolver el dinero prestado, y también para familias que quieren ver incrementada su capacidad de ahorro. Cuando se tiene una hipoteca esta opción resulta más factible. Cuando no se tiene, lograr nuestro objetivo es más complicado, pero no imposible.

    Como consecuencia de la coyuntura económica actual hay cada vez más familias que recurren a la reunificación de deudas como fórmula para ajustar sus gastos mensuales y lograr una economía más desahogada a fin de mes. Cuando se tiene una hipoteca todo resulta más fácil y rápido. Sin embargo, y lamentablemente, existen pocos productos en el mercado que reunifiquen préstamos personales sin garantía hipotecaria, si bien es posible.

    La reunificación de deudas sin hipoteca está orientada a individuos que no cuentan con un crédito hipotecario pero que, por otra parte, tampoco se ven imposibilitados a la hora de hacer frente a determinados pagos mensuales.

    Cómo hacer la reunificación de deudas sin hipoteca: pasos

    Lo primero que hay que tener claro es que entre las personas que quieren hacer una reunificación de deudas sin hipoteca pueden darse dos situaciones: que el interesado tenga un inmueble de su propiedad o que no lo tenga. Son dos casos muy diferentes y, de ellos, el primero es el que más garantías tiene de conseguirla.

    Cuando se quiere hacer una reunificación de deudas sin hipoteca pero se tiene, por ejemplo, una vivienda en propiedad, se puede usar el inmueble como garantía para conseguir que el banco te conceda una hipoteca que reunifique todas tus deudas. De este modo se consigue una cuota más baja, aunque ésta se prolongue en el tiempo.

    Para lograr este objetivo lo mejor es dirigirse directamente a las distintas entidades bancarias y exponer la situación para su estudio. Tras escuchar detenidamente todas las ofertas, el interesado puede tomar la decisión más óptima.

    Por el contrario, si la persona interesada en reunificar sus deudas no cuenta con una vivienda o inmueble en propiedad, la entidad financiera puede mostrarse más reacia a encontrar una solución. En esta situación, una de las opciones pasa por intentar que el banco te conceda un nuevo y único préstamo personal que permita cancelar todas las deudas adquiridas hasta el momento. Un sueldo alto o un trabajo fijo puede ayudar en estos casos.

    En cualquier caso, para conseguir una cuota más baja al mes que la que se estaba pagando con todas las deudas, que es realmente el objetivo que se intenta conseguir, hay que lograr un préstamo personal con un interés mucho más bajo que el que ofrecía la media de las deudas contraídas. De esta manera conseguimos que no se produzca un incremento desmesurado en la deuda final.

    En este caso, el plazo de amortización va a depender de la cuota mensual que el interesado sea capaz de pagar cada mes. Por ello, la mejor opción es dirigirse a las entidades bancarias y preguntarles directamente, para ver qué solución nos pueden ofrecer.

    Por otro lado, para conseguir que la entidad bancaria estudie la posibilidad de reunificar las deudas si no contamos con una hipoteca y no tenemos un inmueble en propiedad deberemos justificar que estamos al corriente en el pago de los préstamos. Habitualmente, los bancos exigen que los tres últimos pagos estén al día, sin demoras ni retrasos.

    Si finalmente la respuesta no es favorable, otra opción pasa por estudiar la posibilidad de que un pariente cercano pueda servirnos de aval, aportándonos la garantía hipotecaria que nos falta. Para ello, la entidad bancaria suele exigir que el familiar sea de primer o segundo grado. En este caso, nuestro familiar sería el hipotecante, mientras que nosotros seríamos el prestatario.

    Antes de acogernos a una reunificación de deudas sin hipoteca debemos tener claras las condiciones que nos ofrecen y las obligaciones contractuales para ambas partes. Internet puede ser una buena herramienta para encontrar no sólo información, sino también la experiencia de otras personas que han pasado por la misma situación.

    Si ha cambiado su situación y con ella su realidad económica, merece la pena intentar una reunificación de préstamos personales, aun no teniendo hipoteca. Si conseguimos nuestro objetivo podremos reestructurar nuestros pagos mensuales, lo que puede transformarse en una decisión clave para nuestro poder adquisitivo en los próximos años.


    Pensione di cittadinanza, cos è e chi ne ha diritto, cos è il reddito.

    #Cos #è #il #reddito


    Pensione di cittadinanza, cos’è e chi ne ha diritto

    Pubblicato il: 12/03/2018 14:02

    Pensioni, uno dei banchi di prova del prossimo esecutivo. La riforma che impegnerà il prossimo eventuale governo a 5 Stelle – oltre a una revisione della legge Fornero (con probabile reintroduzione delle quote) – potrebbe prevedere anche l’introduzione di una pensione di cittadinanza.

    In cosa consiste e cosa ha in comune con il reddito di cittadinanza? “E’ uno degli strumenti proposto dal Movimento 5 Stelle, insieme al reddito, come misura di contrasto alla povertà e all’esclusione sociale in Italia” si legge sul sito ‘Pensionipertutti.it’, preso d’assalto dalle richieste sui potenziali scenari futuri, specie in campo pensionistico.

    POVERTA’ – Lo scopo delle due misure, si legge, “a prescindere dal costo economico e dalla fattività delle stesse, è quello di riequilibrare le risorse destinate alle categorie più deboli. Nello specifico la pensione di cittadinanza sarebbe stata pensata per i pensionati che sono costretti a vivere con un assegno sotto la soglia di povertà, che è stata stabilità dallIstat in 780 euro”.

    FORNERO – “Il programma del Movimento 5 Stelle in tema di pensioni – prosegue l’articolo – è molto variegato” e si basa su: “Smantellamento legge Fornero in 5 anni; ampliamento categorie dei lavori gravosi; estensione della quota 100 a tutti i lavoratori; quota 41 per i precoci e opzione donna; pensione di cittadinanza per chi ha meno di 780 euro mensili”.

    REQUISITI – “I requisiti necessari per potervi accedere si ipotizza siano appunto l’essere pensionati e avere una pensione molto bassa, al di sotto della soglia di povertà (ossia, 780 euro al mese). Nel programma del M5S però – si sottolinea sul portale – non sono specificati nel dettaglio i requisiti per la pensione di cittadinanza. A differenza invece dei requisiti necessari per poter accedere al reddito di cittadinanza, che risultano essere: avere più di 18 anni; essere disoccupati o inoccupati; avere un reddito da lavoro inferiore alla soglia di povertà stabilità dall’Istat”.

    QUANTO SPETTA? – Si tratterebbe quindi di una “integrazione per chi ha una pensione molto bassa, inferiore ai 780 euro”. Per capire in quanto potrebbe consistere l’integrazione, in caso la misura diventi realtà, gli esperti del portale dedicato al mondo ‘pensioni’ hanno elaborato una tabella: pensione di 250 euro, integrazione di 530 euro; pensione di 300 euro, integrazione 480 euro; pensione di 400 euro, integrazione di 380 euro; pensione di 500 euro, integrazione di 280 euro; pensione di 600 euro, integrazione di 180 euro; pensione di 700 euro, integrazione di 80 euro.

    I FONDI – L’importo di 780 euro varrebbe per il pensionato che vive da solo, “altrimenti per una coppia di pensionati la soglia di povertà stabilità dall’Istat è pari a 1.170 euro”. Il Movimento 5 Stelle stima che per poter realizzare entrambe le misure – pensione e reddito di cittadinanza – “occorreranno 16 miliardi di euro che – conclude l’articolo – conta di recuperare attraverso imposte sul gioco dazzardo, banche, tagliando finanziamenti per giornali e spesa pubblica”.


    Donazione di immobili, donazione gratuita immobile.

    #Donazione #gratuita #immobile


    Donazione di immobili

    Donazione di un immobile

    La donazione è il contratto con cui una parte, detta donante, arricchisce unaltra, detta donatario, trasferendo in suo capo la titolarità di un bene, senza pretendere in cambio nulla ma per mero spirito di liberalità. La donazione può avere ad oggetto beni immobili, crediti, aziende, veicoli, opere darte, azioni e quote di società e mai beni futuri.

    Il donante e il donatario

    Innanzitutto occorre precisare che possono fare donazione tutti i soggetti che hanno piena capacità di disporre dei propri beni.

    Di conseguenza non possono fare una donazione:

    La forma della donazione

    La donazione deve essere fatta per atto pubblico, ricevuto dal notaio alla presenza di due testimoni, pena la nullità. Essendo un contratto affinché si perfezioni e produca tutti i suoi effetti, non basta la sola manifestazione di volontà del donante, ma occorre che la sua proposta sia espressamente accettata dal donatario.

    Donazione di un immobile: gli adempimenti richiesti dalla legge

    È molto frequente il caso della donazione di un immobile che richiede particolari obblighi formali.

    Dal 1 luglio 2010 si prevede, infatti, l’obbligo in capo ai proprietari che vogliano effettuare una donazione, prima però della stipula del contratto, di redigere una dichiarazione sulla conformità dei dati e delle planimetrie depositate all’uffico del catasto del proprio comune allo stato di fatto, localizzazione, destinazione duso e configurazione reale e attuale dellimmobile.

    Se manca tale dichiarazione o se ne rende una mendace, il contratto è considerato nullo.

    Obbligo del donante è anche quello di informare il donatario circa lo stato degli impianti di dotazione delledificio donato.

    Donazione immobile: quali imposte pagare

    È a carico dei beneficiari il pagamento dellimposta di donazione per i beni ricevuti. Limporto dellimposta di donazione si ottiene applicando alla base imponibile, decurtata delleventuale franchigia, specifiche aliquote che variano a seconda del rapporto di parentela tra il donante e il beneficiario.

    Tali requisiti riguardano:

    Donazione con riserva di usufrutto

    Figura particolare molto diffusa nel caso di immobili è la donazione con riserva di usufrutto, per cui il donante può riservare lusufrutto dei beni donati a proprio vantaggio o di unaltra persona. Esempio è il genitore, proprietario esclusivo della casa di abitazione, che vuole donare la nuda proprietà della stessa ai propri figli, riservando però lusufrutto per sé e dopo la propria morte a favore del coniuge.


    Hipoteca Inteligente – calcular cuota hipoteca, EVO Banco, banco hipoteca.

    #Banco #hipoteca


    Hipoteca inteligente

    Banco hipoteca

    Hipoteca inteligente: Ahora mбs inteligente que nunca.

    Ha llegado el momento de tener una Hipoteca Inteligente que evoluciona y se adapta a ti.

    Sуlo necesitas 3 minutos para empezar a disfrutar de una Hipoteca Inteligente.

    PORQUE NUESTRA HIPOTECA INTELIGENTE HACE ALGO QUE NO HACE NINGUNA OTRA

    Evoluciona y se adapta a tus circunstancias y a las del mercado. Y si ademбs, eres de los que te gusta tener todo bajo control, tenemos una nueva opciуn para ti.

    Banco hipoteca

    SI EL EURIBOR SUBE, TU DIFERENCIAL BAJA

    • Si el Euribor estб entre el 2% y el 4%, tu diferencial bajarб un 0,20%.
    • Si el Euribor estб entre el 4% y el 6%, tu diferencial bajarб un 0,40%.
    • Si el Euribor es mayor del 6%, tu diferencial bajarб un 0,80%.

    La revisiуn del tipo de interйs se harб cada 12 meses.

    Banco hipoteca

    TE PROTEGEMOS DE IMPREVISTOS

    Toda la vida de tu prйstamo hipotecario tendrбs la opciуn de carencia de capital (sуlo pagarбs los intereses) durante dos aсos en caso de situaciуn de desempleo, incapacidad laboral temporal/permanente o fallecimiento de uno de los titulares..

    Banco hipoteca

    DI ADIУS A LAS COMISIONES

    Adiуs a la comisiуn de apertura, a la comisiуn de estudio y a la comisiуn por modificaciуn contractual. Adiуs a todas.

    Banco hipoteca

    SIN SUELO HIPOTECARIO

    Al no tener suelo hipotecario, cuando baje el Euribor podrбs aprovecharte aъn mбs de esas bajadas en tu pago mensual.

    POR OPCIONES QUE NO SEA

    • Si te gusta tenerlo todo bajo control puedes elegir la Hipoteca Inteligente Flexible, con la que tendrбs durante los cinco primeros aсos un tipo de interйs fijo de 1,99% TIN. Sin sorpresas. El resto de aсos, si has estado al corriente de pagos con nosotros y siempre que te mantengas, desde Eurнbor + 1,35% (1,97% TAE variable**).
    • Y si no, tienes la Hipoteca Inteligente a un tipo de interйs el primer aсo desde Euribor + 1,85% TIN, del segundo al quinto aсo desde Eurнbor + 1,55% TIN y el resto de aсos, si has estado al corriente de pagos con nosotros y siempre que te mantengas, desde Eurнbor + 1,35% (1,75% TAE variable*).

    Elijas la opciуn que elijas, tu diferencial irб bajando segъn vaya subiendo el Euribor, teniendo en cuenta el tramo en el que estй el Euribor en el momento de la revisiуn (la revisiуn se realiza cada doce meses).

    • Si el Euribor estб entre el 2% y el 4%, tu diferencial bajarб un 0,20%.
    • Si el Euribor estб entre el 4% y el 6%, tu diferencial bajarб un 0,40%.
    • Si el Euribor es mayor del 6%, tu diferencial bajarб un 0,80%.

    Ademбs, podrбs pagar tu casa entre 1 y 30 aсos.

    SI LO PREFIERES, SOLICНTALA EN NUESTRAS OFICINAS

    Esta serнa la documentaciуn bбsica que tienes que presentar para contratar tu Hipoteca Inteligente o tu Hipoteca Inteligente Flexible:

    • DNI o tarjeta de Residencia en vigor de todos los titulares.
    • Las 3 ъltimas nуminas
    • Vida laboral y contrato de trabajo.
    • Ъltima declaraciуn de la renta.

    Imprime la documentaciуn completa que te pediremos para el estudio y concesiуn de la Hipoteca Inteligente.

    Puedes solicitar cita en cualquiera de nuestras oficinas.

    ESTOS SON LOS REQUISITOS

    Para disfrutar de todas las ventajas de la Hipoteca Inteligente es necesario:


    Assicurazione o polizza sul mutuo, quali sono i costi, assicurazione sulla casa.

    #Assicurazione #sulla #casa


    Assicurazione sulla casa

    Esistono tre forme di copertura assicurativa:

    Polizza protezione mutuo

    Le polizze protezione mutui sono facoltative, tuttavia, il consulente bancario “consiglia” quasi sempre di acquistarle per una maggiore serenità del mutuatario e/o della sua famiglia.

    Tali polizze mirano a tutelare il mutuatario in caso di eventi che possano compromettere la sua capacità di rimborso (ad es. decesso, malattia, inabilità, infortunio, assicurazione mutuo perdita del posto di lavoro, ecc.).

    In alcuni casi, la sottoscrizione di una polizza vita è condizione essenziale per la concessione del mutuo (es. persone di una certa età), in tutti i casi favorisce la valutazione positiva della pratica.

    Il costo è piuttosto elevato, in genere oscilla tra le 30 e le 50 euro mensili, e non è incluso nel calcolo dellISC, inoltre può rappresentare un guadagno immediato per la banca quando il pagamento del premio avviene in ununica soluzione allinizio del piano di ammortamento.

    Attenzione ai costi delle polizze vita !

    Considerando il costo piuttosto elevato di tali polizze, si potrebbe cercare di risparmiare qualcosa optando per quelle che prevedono una graduale riduzione del capitale assicurato al decrescere del debito residuo. Un altro modo per risparmiare è quello di optare per le polizze che prevedono il pagamento anticipato del premio in ununica soluzione. Il costo globale sarà inferiore rispetto ad una polizza a premio ricorrente, spesso anche nellipotesi in cui si voglia finanziare il costo del premio unico (soluzione proposta in “automatico” da quasi tutte le banche).

    Polizza incendio e scoppio del fabbricato

    Le polizze incendio e scoppio (obbligatorie) sono forme di copertura assicurative volte a tutelare il soggetto che stipula un mutuo da eventi direttamente collegati allabitazione. In caso di sinistro lassicurazione prevede un rimborso pari al costo di ricostruzione dellimmobile ipotecato, che dovrebbe estinguere il debito con la banca. (vedi anche Rimborso assicurazione mutuo)

    La polizza deve contenere lapposito vincolo a favore della banca: in caso di sinistro, prima di rimborsare i danni al mutuatario, lassicurazione deve ricevere il benestare dalla banca; la compagnia, inoltre, deve informarla anche nel caso in cui il sottoscrittore non paghi il premio, rendendo inefficace la copertura assicurativa.

    Indicativamente, per un mutuo di 100.000 euro in 10-15 anni, il costo totale oscilla tra 100 e 500 euro. Tuttavia, alcune banche, allo scopo di rendersi più competitive sul mercato, propongono spese assicurative gratuite, alleggerendo il costo totale del mutuo e il relativo I.S.C.

    Attenzione al valore assicurato !

    Tuttavia, alcune banche utilizzano il valore commerciale che, essendo più elevato, consente di ottenere somme maggiori. Dunque, il mutuatario in questo modo è costretto a pagare anche il doppio del dovuto.

    Il mutuo ordinario copre fino all80% del valore dellimmobile ipotecato, limite massimo stabilito per tutte le operazioni di credito fondiario.

    Tuttavia, alcune banche possono finanziare fino al 100% del valore dellimmobile, richiedendo, però, maggiori garanzie a copertura della parte eccedente il limite fissato dalla Banca dItalia. Tra queste vi è, appunto, la polizza fideiussoria. In mancanza della polizza fideiussoria nessuna banca può superare l80%.

    In caso di insolvenza del mutuatario la Compagnia deve versare immediatamente la somma pattuita, salvo il successivo diritto di rivalsa nei confronti del contraente (mutuatario).

    Per quanto riguarda i costi, si consideri che la polizza fideiussoria contribuisce ad incrementare il costo del mutuo in modi diversi: solitamente la banca aumenta il tasso (da 0,20% a 0,50% in più rispetto al tasso base), in altri casi richiede il pagamento anticipato dellintero premio (in genere lo 0,20% calcolato sulla parte di mutuo eccedente l80% e moltiplicato per la sua durata).

    Nel primo caso (aumento dello spread) si avrà un costo di gran lunga superiore rispetto al pagamento anticipato del premio, anche nellipotesi in cui il premio unico venga finanziato dalla banca (premio unico + interessi premio; soluzione spesso proposta in “automatico” dalle banche).

    Attenzione alla scelta della Compagnia !

    La polizza a protezione dellimmobile e leventuale assicurazione vita mutuo contribuiscono ad incrementare il costo di un mutuo, è consigliabile pertanto, prestare massima attenzione anche nella scelta della Compagnia assicurativa.

    Si ricordi, a tal proposito, che non esiste alcuna norma che obbliga il cliente a sottoscrivere la polizza con la compagnia indicata dalla banca.


    Vendita case, vendita appartamenti a Torino su Bakeca, annunci vendita case.

    #Annunci #vendita #case


    Vendita immobili, annunci case a Torino, vendita appartamenti

    Villetta a schiera di 155 m² con 5 locali e box auto doppio in vendita a Av …

    V000409 – Appartamento signorile a Torino (Zona C.T.O.)

    205 mq · Quadrilocale

    Villa di 1950 m² con più di 5 locali e box auto doppio in vendita a Bruino

    Appartamento di 55 m² con 2 locali in vendita a Torino

    55 mq · Bilocale

    TORINO: Luminosissimo appartamento con tripla esposizione su parco

    130 mq · Cinque e più locali

    Metti in evidenza i tuoi annunci con Bakeca Business

    Appartamento di 85 m² con 4 locali in vendita a Torino

    85 mq · Quadrilocale

    ULTIMI 2 Casazero 8p – ULTIMI 2 APPARTAMENTI CASAZERO Classe A3-A4

    142 mq · Quadrilocale

    Appartamento di 60 m² con 2 locali in vendita a Beinasco

    60 mq · Bilocale

    Vendita appartamento mq. 85 – Zona Rebaudengo

    85 mq · Quadrilocale

    B. di Milano/Falchera/Regio Parco

    VILLA IN COSTRUZIONE – rif. D

    Appartamento di 105 m² con 4 locali in vendita a Torino

    105 mq · Quadrilocale

    Appartamento di 86 m² con 3 locali e box auto in vendita a Chieri

    86 mq · Trilocale

    Rustico/Casale in vendita a Corio

    80 mq · Trilocale

    955 – Quadrilocale a Piossasco

    95 mq · Quadrilocale

    Appartamento di 55 m² con 2 locali in vendita a Torino

    55 mq · Bilocale

    AVIGLIANA – CENTRALISSIMO QUADRILOCALE RISTRUTTURATO

    100 mq · Quadrilocale

    Attico / Mansarda di 70 m² con 3 locali in vendita a Corio

    70 mq · Mansarda

    Attico / Mansarda di 110 m² con 3 locali in vendita a Bardonecchia

    110 mq · Mansarda

    Attico / Mansarda di 108 m² con 3 locali in vendita a Torino

    108 mq · Mansarda

    Attico / Mansarda di 240 m² con più di 5 locali e box auto doppio in vendit …

    Attico / Mansarda di 113 m² con 4 locali e box auto in vendita a Almese

    113 mq · Mansarda

    Attico / Mansarda di 200 m² con più di 5 locali e box auto in vendita a Torino

    Attico / Mansarda di 55 m² con 2 locali in vendita a Torino

    Attico / Mansarda di 85 m² con 4 locali in vendita a Torino

    85 mq · Mansarda

    Attico / Mansarda di 166 m² con 5 locali in vendita a Torino

    Che cos’è un Alert

    L’alert è un servizio gratuito che ti permette di trovare comodamente quello che desideri, ricevendo via email tutti i nuovi annunci corrispondenti alla categoria di offerta che ti interessa. Un modo semplice e rapido, per rimanere aggiornati senza dover reimpostare ogni volta i tuoi criteri di ricerca.

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    Vendita case e appartamenti a Torino

    Sei alla ricerca di un appartamento a Torino oppure offri una casa in vendita? In questa sezione di Bakeca dedicata alla vendita case a Torino puoi trovare l’immobile che fa al caso tuo oppure inserire il tuo annuncio gratuito senza alcun obbligo di registrazione! Trova la tua casa ideale tra i tanti annunci immobiliari privati in Piemonte e le offerte delle agenzie immobiliari oppure cerca il tuo acquirente ideale tra le migliaia di utenti che visitano ogni giorno il sito di Bakeca.


    Home Page – Camera di Commercio di Bologna, cciaa mi.

    #Cciaa #mi


    Cciaa mi

    Videosorveglianza, casseforti, blindature, sistemi antitaccheggio, porte di sicurezza, vetri antisfondamento, sistemi biometrici di accesso, dispositivi di illuminazione notturna, sistemi di pagamento elettronici, rilevazione delle banconote false: sono alcune delle spese per le quali le imprese bolognesi possono chiedere il contributo a fondo perduto della Camera di commercio.

    LUNEDI’ 30 APRILE GLI UFFICI SARANNO CHIUSI

    Ci scusiamo per il disagio.

    SANA 2018 – LE AZIENDE BOLOGNESI POTRANNO ESPORRE CON LA CAMERA DI COMMERCIO – DOMANDE ENTRO IL 4 MAGGIO

    La Camera di Commercio di Bologna, anche grazie al cofinanziamento di BolognaFiere Spa, conferma la propria presenza alla manifestazione fieristica SANA – 30° Salone internazionale del biologico e del naturale – che si svolgerà a Bologna dal 7 al 10 settembre 2018. La Camera metterà a disposizione delle imprese bolognesi 40 stand allestiti. La domanda può essere presentata entro il 4 maggio 2018.

    REGISTRO IMPRESE – MANUALE BILANCI 2018

    Pubblicato il Manuale per il deposito Bilanci 2018 aggiornato con le notivà introdotte dalla normativa più recente

    PREMIO STORIE DI ALTERNANZA – SCADENZA 20 APRILE

    Un Premio, 5.000 euro complessivi, per gli studenti che hanno svolto un periodo di alternanza scuola-lavoro.

    MUD – Modello Unico Dichiarazione Ambientale – da presentare entro il 30 aprile 2018

    E’ stato approvato il nuovo Modello Unico di dichiarazione ambientale MUD da presentare entro il 30 aprile 2018 con riferimento all’anno 2017.

    CONTRIBUTI ALLE IMPRESE PER L’ATTIVAZIONE DI PERCORSI DI ALTERNANZA SCUOLA-LAVORO

    Anche nel prossimo anno scolastico (2018-2019) le imprese bolognesi potranno contare sui voucher della Camera di commercio di Bologna per attivare stage di alternanza scuola-lavoro: 300 euro per ogni studente ospitato che salgono a 500 euro per stage rivolti a ragazzi con disabilità. Domande dal 1 ottobre al 7 novembre 2018

    CONTRIBUTI A FONDO PERDUTO A 100 STUDENTI CHE SCEGLIERANNO INFORMATICA ALL’UNIVERSITA’

    La Camera di Commercio per indirizzare gli studenti dell’Area Metropolitana di Bologna a scegliere nell’anno accademico 2018-2019 i corsi di laurea triennale in Informatica, Ingegneria informatica ed Informatica per il management dell’Università di Bologna, assegna a 100 studenti contributi a fondo perduto da 3.000 euro. Domande dal 18 settembre al 19 ottobre 2018

    ETICHETTATURA ALIMENTARE: COME ESSERE IN REGOLA CON LE NOVITA’ CHE SCATTANO DAL 9 MAGGIO

    Dal 9 maggio entrano in vigore nuove sanzioni in materia di etichettatura degli alimenti. Il sistema camerale mette a disposizione un servizio per l’elaborazione di bozze di etichette e per consulenze giuridiche.

    COMMERCIO INTERNAZIONALE DELL’AREA METROPOLITANA DI BOLOGNA

    E’ di 13,7 miliardi di euro il valore delle esportazioni bolognesi tra gennaio e dicembre del 2017 secondo gli ultimi dati diffusi da Istat; 7,9 miliardi invece per le importazioni. Il 2017 si chiude con un +6,5% per quanto riguarda le vendite estere ed un +10,9% per gli acquisti. Il saldo raggiunge i 5,8 miliardi di euro (+0,9% in corso d’anno).

    I PROFILI DEI DIPLOMATI CERCATI DALLE IMPRESE

    Nel 2017 le imprese bolognesi hanno previsto 29.420 assunzioni di lavoratori dipendenti in possesso del diploma di scuola secondaria. Gli indirizzi più richiesti sono “amministrazione, finanza e marketing”, e “meccanica e meccatronica”. Lo rivelano le indagini Excelsior realizzate dalla Camera di commercio in collaborazione con Unioncamere e l’Agenzia Nazionale per le Politiche Attive del Lavoro.

    +2% L’ AUMENTO MEDIO DELL’ECONOMIA BOLOGNESE SUL 2016

    Quadruplicata la crescita degli ordini nel manifatturiero. La domanda dall’estero traina le imprese metalmeccaniche, +6%. I turisti aumentano il volume d’affari delle strutture ricettive, +5%. E’ quanto risulta dallo studio dell’Osservatorio camerale sulla congiuntura delle piccole e medie imprese bolognesi.

    LE IMPRESE BOLOGNESI HANNO RIPRESO AD INVESTIRE

    Due imprese manifatturiere su tre hanno effettuato investimenti nel 2017. In tutti i settori le imprese che hanno investito sono la maggioranza. E’ quanto emerge dalle elaborazioni dell’Osservatorio Congiuntura della Camera di commercio.

    Attenzione alla truffa

    Telefonate e richieste di pagamento ingannevoli: le imprese li stanno ricevendo con frasi e diciture che possono far credere di essere riconducibili alla Camera di Commercio, che ne è invece del tutto estranea. Occorre prestare molta attenzione.


    California Divorce, LLC, Incorporation, Trusts, Wills ?>


    We have been around since the 90s. When it comes to legal documents, experience does matter!

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    Take the stress out of the equation. Let a professional handle your legal matters.

    I Should Have Come here first! That s a line we hear all the time. And it s true, to know us is to love us!

    We are independently owned. No corporate red tape here. Call one of the stores in our directory, and chances are the owner will pick up the phone. We care about what we do, and it shows: check out our 5 stars Yelp reviews.

    We can do business in person, or over the phone and via e-mail. Choose the way you prefer to handle your legal matters. No matter how, you ll be happy you did business with us!

    Still not convinced. Call us or visit us and ask us questions. We are here to help!

    • How do I know my documents will be done right?
        We have successfully completed literally thousands of divorces. If the court ever needs additional paperwork, or revisions, we will take care of those for you at no additional cost. We have filed deeds in all 50 States. We have incorporated businesses in all 50 States. Hundreds of customers over the years have trusted us with their estate planning. Done right or your money back. That s our pledge.
    • How much will I spend?
        For some services we charge a flat fee no matter what (living trusts, quitclaim deeds, bankruptcies, etc.). For others – such as divorces – we charge a flat fee based upon your situation. Please contact us and we ll give you a quote for us to take care of all your paperwork from beginning to end. Know what you spend upfront; we don t bill by the hour.
    • I want to file for divorce. Why you and not some online service?
        Online services will fill out the court forms and wish you good luck. If that s what you want, you can go to the court and fill out the forms for free. What you get from The Document People is the peace of mind to know it s done right. We take care of the initial petition, serving of the spouse by mail or in person at the store, the marital settlement agreement and final judgment. We even go to court for you. Take the guessing out of the equation, and let a professional take care of your court matters.
    • How can I make sure my Living Trust will stand in court?
        The Document People stores chose to have an attorney draft our living trusts. We choose to do it this way so that the utmost care is taken in crafting an estate plan that you can trust. Estate planning is too important to take shortcuts…
        For one flat fee, we include living trust, will, financial power of attorney, medical directive and notary. Shop around; we are confident you won t able to find the same high quality services at a better price.
    • I m confused about what to do. Can you give me legal advice?
        We are not attorneys, so we cannot give legal advice. However, we have a network of attorneys we work with who can consult with you, and advice you on the legal matters you are facing. We also have local CPAs who can guide you through the sometimes confusing first steps to opening a business.
    • Will you help me fill out the proper forms for my divorce?
        We do so much more than that! No matter what the service you need is, we will prepare the proper paperwork, file your case with the Court, and keep you informed throughout the process. 99% of our customers never have to go to court for their divorce. Remember, as long as it s uncontested, we can help!

    Florida Motorcycle Accident Lawyers

    #florida #motorcycle #accident #lawyer


    Importance of Hiring Expert Florida Motorcycle Accident Lawyers

    The inattentiveness or negligence of an automobile driver leads to a motorcycle accident causing serious injuries to the victim. Discomfort and damages such as brain injury, broken bones, paralysis and death are the result of a motorcycle accident. Some of the common faults committed by Florida automobile drivers are drunk and drive, failure to follow traffic rules and signal, sudden change of lane without prior indication and pulling over at an intersection path of a motorcyclist.

    When you are involved in a Florida motorcycle accident, you must seek guidance from a Floridamotorcycle accident lawyer. Consulting a local lawyer helps the victim gain an edge over the accident. Motorcycle accident lawyers are experienced professional attorneys who are well versed on the unique state laws. Lawyers help Florida bikers claim compensation for disfigurement, scarring, pain and suffering, economic loss and more if affected by an accident.

    Highlighted below are some of the importances of hiring a Floridamotorcycle accident lawyer.

    Ø Accident lawyers are competent personnel who posses immense knowledge on the Florida motorcycle law. They protect the motorcyclist and make negligent drivers liable for their fault. This relieves you from mental stress.

    Ø Expert attorneys evaluate the case with utmost care and caution. They take up the responsibility of collecting supportive evidence, medical bills, police statement and investigators report formally. They present the case legally as per the requirement of the court.

    Ø Lawyers also ensure that they produce the eye-witness in court during the trial. When you hire local lawyers the success rate is higher. This is because the scope of investigating the loopholes of the case is wider. Also their experience and knowledge in handling Florida motorcycle accident cases helps you know your legal right.

    Ø Personal injury lawyers also conduct investigation with family members and doctors who can attest the pain of the victim.

    Ø Accident lawyers legally comply with the formalities of filing the claim.

    Ø Floridamotorcycle accident lawyers are capable of understanding the complexities of the case such as motorcycle accident reconstruction, motorcycle design and manufacturing issues, Florida vehicle laws pertaining to motorcyclist, roadway design and architecture.

    Ø If the case provides room for settlement without legal interference of the court then accident lawyers resolve the case outside the court with mutual consent of both the parties.

    Ø Majority of Floridamotorcycle accident lawyers provide free consultation and work on a contingency basis. This is advantageous in a way .You will have to shell out a percentage on money as lawyers fees only if the case is successful.

    Injury to a person also involves damage to his property and reputation. Professional accident lawyers represent such positions carefully. Hence, it’s always better to claim compensation for a Florida motorcycle accident with the help of Floridamotorcycle accident lawyers. They ensure legal filling of your lawsuit and assure you of compensation for the damages handled. They fight for justice and negotiate with the insurance companies for best settlement and minimize your hassles. To know your legal rights employ an experienced motorcycle accident lawyer.


    Wishmaster 5: Hell on Earth

    #janus #prospero


    #

    ‘Wishmaster 5’:Hell on Earth

    Post by Slasherfan on Feb 25, 2005 11:55:22 GMT -5

    Anyone for ‘Wishmaster 5’?

    Now I know the tagline would have to be changed since
    ‘Hellraiser’ 3 had the same tagline. But the film would center around the djinn finally fullfilling the prophecy, and unleashing his bretheren upon the earth. Thus creating hell on earth. The only ones who would be able to stop him are two special children, teenagers born from a woman and a man of great power and spirit. Thus they’d have special abilities to combat the djinns. Since both kids were orphans though, the djinns would try and tempt them with wishes like a real family, money, wealth, power,things they’ve never had before in life.and Both kids would have to make the ultimate decision between doing whats right, and doings whats right for them personally. That would be my idea for a 5th ‘Wishmaster’ movie. But the most important cog of all, bring back this guy.

    I’d make sure Andrew Divoff was playing the djinn in my movie. oNot that chump from parts 3 and 4.

    “Oh there are many different forms of justice..Chris. You see you’ve got — god’s. man’s. and even the devils. Some forms you just can’t control”.

    Mr.HoRrOr
    Administrator

    Board Administrator/Webmaster

    Post by Mr.HoRrOr on Mar 1, 2005 14:07:30 GMT -5

    I’d check out a part 5 with your story used as the films basis. Also Divoff HAS TO come back. No if, ands, or buts about it. The other dude was a barely decent djinn in part 3, but after part 4. ). for crying out loud, bring Andrew back.

    Post by ChuckyssonGlen on Mar 14, 2005 15:20:50 GMT -5

    I’d agree with you here if they hadn’t done ‘Wishmaster 4’. But I think since they have done it, it’s done irrepairable damage to the series that can’t be undone. But then again, they’re doing a ‘Mangler 3’ after the dreadful ‘Mangler 2’, so never say never in this biz. They just need to find some people with that *Anything can be salvaged* attitude.


    The 10 Most Affordable Masters In Counseling Online Degree

    #online #masters #in #education #counseling


    #

    Find Your Degree!

    The 10 Most Affordable Masters In Counseling Online Degree

    Online counseling master s programs programs provide individuals with convenient, flexible, and quality means of enhancing their education. For individuals who possess at least a bachelor s degree, there are many exceptional online counseling degree programs available today. Overall, these programs provide individuals with an accredited, comprehensive means of acquiring the advanced skills that are essential to increasing their marketability and earning potential as, for example, a future licensed professional counselor (LPC) or licensed mental health counselor (LMHC).

    Featured Online Masters in Counseling Programs

    Ranking The Best Online Master s in Counseling Degree Programs

    Provided below is a descriptive list of the 10 most affordable Master s in Counseling Degree programs, which are ranked according to accreditation, reputation, tuition cost, and quality, but with an eye towards affordability.

    1. Walden University

    Walden University is accredited by the Commission on Colleges of the North Central Association of Colleges and Schools. This school offers a variety of master s in counseling degree online programs to individuals who possess at least a Bachelor s Degree. These programs include: Online Master s of Science in Addiction Counseling Degree program; a Master s of Science in Career Counseling Online Degree program; a Master s of Science in Clinical Psychology Degree online program; an online Master s of Science in Forensic Psychology Degree program; an online Master s of Science in Human Services Degree program; a Master s of Science in Marriage, Couple, and Family Counseling Online Degree program; and an Online Master s of Science in Mental Health Counseling Degree program. Each of Walden University s online counseling programs is considered to be tops for the following reasons: each program is accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP), each program includes a variety of specialization areas, each program comprises quality courses, and each program is taught by professionals in the counseling field. For the Master s of Science in Human Services Degree program, the tuition cost is $400 per credit hour. For the rest of the degree programs, the tuition cost is $440 per credit hour.

    2. Liberty University

    Liberty University is accredited by the Commission on Colleges of the Southern Association of Colleges and Schools. In addition, Liberty University is the largest, private, non-profit university in the country. This school offers a Master s of Arts in Professional Counseling Online Degree program, an Online Master s of Arts in Marriage and Family Therapy Degree program, and a Master s of Arts in Human Services Degree Online program. These programs are considered exceptional because they are affordable, they are provided through a distinguished school, they come with a variety of concentration options, and their course components are of the highest quality. The following courses are included in each program: Theories of Counseling, Human Growth and Development, and Career Development and Counseling. For part-time students, the tuition cost is $476 per credit hour. For full-time students, the tuition cost is $438 per credit hour.

    3. University of Southwest Online

    The University of Southwest Online is accredited by the Commission on Colleges of the North Central Association of Colleges and Schools. This school offers a Master s of Science in Mental Health Counseling Degree program and a Master s of Science in School Counseling Degree program to individuals who possess at least a Bachelor s Degree. One highlight of this school is that its Master s of Science in School Counseling Online Degree program has been ranked among the top 10 Master s in Counseling Degree programs by The Best Colleges. The tuition cost for both programs is $544 per credit hour.

    4. Capella University

    Capella University is accredited by the Higher Learning Commission and it is a member of the North Central Association of Colleges and Schools. For individuals who possess at least a Bachelor s Degree, this school offers a Master s of Science in Addiction Counseling Degree program, a Master s of Science in Career Counseling Online Degree program, a Master s of Science in Marriage and Family Counseling/Therapy Degree program, a Master s of Science in Mental Health Counseling Online Degree program, a Master s of Science in School Counseling Online Degree program, and an Online Master s of Science in Human Behavior Degree program. All of these programs are accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP). The tuition cost for each program is $458 per credit hour.

    5. UMass Online

    UMass Online is accredited by the Higher Learning Commission and it is a member of the New England Association of Colleges and Schools. In addition, UMass Online is ranked among the top 10 colleges that offer online degrees by Online Degree Reviews. This school offers a Master s of Education in School Counseling Online Degree program, an Online Master s of Science in Family Therapy Degree program, a Master s of Science in Mental Health Counseling Online Degree program, and a Master s of Science in Rehabilitation Counseling Degree Online program. The tuition cost for each program is $1,425 per course.

    6. Thomas University

    Thomas University is accredited by the Commission on Colleges of the Southern Association of Colleges and Schools. All in all, over 99% of this school s students rate its educational instruction as excellent. This school offers a Master s of Science in Community Counseling Degree program and a Master s of Science in Rehabilitation Degree program to individuals who possess at least a Bachelor s Degree. Specialization areas, such as Addictions and Alcohol Counseling, are offered with each 60-credit degree program. The tuition cost for each program is $550 per credit hour.

    7. Seton Hall University Online

    Seton Hall University Online is accredited by the Middle States Commission on Higher Education. For over 30 years, Seton Hall University has been educating counseling professionals. This school confers online counseling degrees in our are of interest: a Master s of Arts in Counseling Degree program to individuals who possess at least a Bachelor s Degree. The program consists of 60 credit hours and it takes less than 3 years to complete. The tuition cost for the entire program is $34,000.

    8. Bellevue University

    Bellevue University is accredited by the Higher Learning Commission and it is a member of the North Central Association of Colleges and Schools. This schools confers an online counseling degree: a Master s of Science in Clinical Counseling Degree program to individuals who possess at least a Bachelor s Degree. The program consists of 60 credit hours, and it includes over 900 hours of hands-on experience in a hospital, clinic, or other medical facility. The tuition cost for this program is $485 per credit hour.

    9. Sacred Heart University Online

    Sacred Heart University Online is accredited by the Higher Learning Commission and it is a member of the New England Association of Colleges and Schools. In addition, this school is ranked as one of the best master s level universities by U.S. News and World Reports. Sacred Heart University Online offers a Master s of Science in Applied Psychology Degree program to individuals who possess at least a Bachelor s Degree. This program coincides with the following concentrations: a General concentration, a Community Psychology concentration, and an Industrial Organizational Psychology concentration. The tuition cost for this program is $600 per credit hour.

    10. The University of Buffalo Online

    The University of Buffalo Online is accredited by The Higher Learning Commission and it is a member of the Middle States Association of Colleges and Schools. This school offers a Master s of Science in Rehabilitation Degree program to individuals who possess at least a Bachelor s Degree. The Master s of Science in Rehabilitation Degree program is accredited by both the New York State Education Department and the Council on Rehabilitation Education. For residents of New York, the tuition cost for this program is $8,340 per semester. For non-residents, the tuition cost for this program is $9,270.75 per semester.

    Filed under: Online LPC degree, ranking of online graduate programs in counseling, accredited counseling degrees online, online counseling degrees

    Find Your Degree!


    How to Disable Comcast Xfinity Public Wi-Fi – Tom s Guide

    #wps #button #xfinity


    #

    How to Disable Comcast Xfinity Public Wi-Fi

    Those who use Comcast’s Xfinity-branded residential-gateway broadband routers, which combine a cable modem with an Ethernet and wireless router, could find themselves becoming mules for the company’s publicly available network. Comcast can turn on a second Wi-Fi signal in its customers’ home routers that could be used by anyone with an Xfinity account — even total strangers who happen to be driving by.

    The company has already activated this feature on hundreds of thousands of routers all around the United States. It intends to turn on millions of these hotspots in the coming months.

    Comcast states on its website that the feature is not available to those subscribed to Comcast’s Economy Internet package.

    A Comcast Internet technical-support representative told us after this story was first published that the Arris TG862G and Technicolor TC8305 models support the public Wi-Fi hotspot feature, while Cisco and SMC models do not as of yet. While the Cisco devices do have two antennas, they’re only for dual-band Wi-Fi in the home, said the tech-support rep. The SMC models have only one antenna.

    If you use one of the affected models, you might want to turn the home hotspot feature off. While we don’t expect there to be severe security risks with the second network being opened up, it is likely that more people using your hotspot could slow your overall Internet connection.

    Prevent that from happening by tuning off the home-hotspot feature. Make sure your Comcast username and password are handy, and follow these easy steps to turn off the second signal in your Comcast router. You can also check Comcast’s website for a more comprehensive how-to in case you have a newer router.

    2. Log into your account.

    3. Select Users Preferences from the top navigation bar.

    4. Click “Manage Xfinity WiFi ” under the Service Address section.

    5. Select “Disable Xfinity WiFi Home Hotspot ” in the dialog box that pops up. If you don’t see the option to enable or disable the home hotspot, the feature may not have been activated in your area, or your modem/router combination may not be compliant.

    I don’t think the article writer understands how the internet works.
    First, Comcast will not be able to activate this on Arriss, Cisco, or SMC routers because they don’t have the necessary hardware to do so.
    Second, I am pretty sure these routers are specifically developed to allow multiple WiFi networks in order to enable better public WiFi. Right now, routers let you setup a guest wifi, 2.4ghz wifi, and over 5ghz wifi. So making one dedicated to Comcast public wifi is totally possible. However, this will treat that access point as a completely different IP.

    The only security risk is that a person has all but 1 set of numbers for your IP address. However, at any time your whole IP address can be reference over the internet.

    It won’t eat at your connection or consume your bandwidth. Cable connections use Channel bonding where they can connect to 4-16 channels. Each one allows for 30mb/s of speed. Something tells me these ones will be on their own separate channel.

    I think what they will probably do is offer to not rent out your router for being a hotspot, or allow you access to the free hotspot without a subscription fee. That’s usually the hurdle most cable companies have with giving away equipment. The monthly rental fee.

    What a scam. They just want to charge you for bandwidth that you aren’t actually using.

    Wow! This should be criminal on Comcast’s part. I know we all sign agreements, but dang. This kind of stuff should be in BOLD print and not buried in the literature.

    To start off (will get more into it later) comcast is rarely ever able to offer customers with the speed they are paying for, for for virtually all users, any additional user using their network will cause a slowdown regardless of what comcast says.

    Keep in mind that wifi radios are not 100% efficient in handling multiple users. If your wifi radio can do 100mbit/s on clieent, then if you add an additional client and both want full speed, then both will not get 50mbit/s under a completely fair que. The overhead of dealing with more than one client will cause the sppeeds for both clients to be less than 50mbit/s, you will be more likely to see around 45Mbit/s or less. The only way to avoid this will be to have a completely separate wifi radio and antenna running on a completely different non overlapping channel in roder to prevent the public network from impacting the home user’s wifi.

    Furthermore the CPU will have to be significantly faster. (as you create more network activity, pingtimes slow down. If you have a program such as ixchariot, you can demonstrate this yourself. Have a rate limited benchmark go between 2 systems, and then have 2 other systems on the same network start their own rate limited transfer, even if you are only using 25% of the available network capacity, ping times will increase as the router is doing more work. On enterprise networking hardware, it is negligable, but for home routers, especially less powerful ones, it becomes more noticable and you can easily add a few extra milliseconds to your ping times if a hotspot user decides to create a constant connection, even if the throughput needed is low, if there are many connections, it will impact the performance of the hom user. Furthermore, traffic shapping will open the door for denial of service. Even on a router such as the WRT1900 AC, that dual core 1.2GHz CPU will struggle to maintain 400mbit/s while using QOS, and from my experience with doing QOS benchmarks with ixchariot on consumer routers, even a low bandwidth datacenter style workload (lots of cmall packets stressin different priority levels, will cause the router to work really hard to manage the traffic, and thus you can get a high CPU load with only a small amount of traffic)

    One issue that seems to not be getting enough attention, How many comcast customers are getting the ful upload and download speed that they are paying for? (most do not and in those cases, allowing a hotspot user to get even 1KB/s will mean 1KB/s less that you can use for your home network because they are already unable to provide you with your full speed.

    If I were stuck with something like this and was unable to opt out, I would either buy my own modem and not use theirs, or I would take it apart and physically cut the PCB trace going to the wifi amplifier to make sure that the the wifi network cannot be used.

    PPS can a comcast customer in the effected area try loggint into one of those hotspots and see if the WAN IP is any different, if not then this means that some people can have fun going to the homes of people they do not like, or choose random homes, and then do things like have personal challenges “how fast can I break every single rule on this side, and get the account banned, and the make many more accounts until they decide to do an IP ban (and can it be done for the most popular websites)

    Or if you know that the person loving in the target home is a gamer, then see if they play on any servers that use some form of ban link, and and just wreak havoc.

    Overall, this is 100% bad for the customers stuck hosting those hotspots. For all, it will mean a drop in performance (PS if the same wifi radio is used, see if 802.11b is still supported many routers like to really slow things down and drop QAM levels when a legacy user connects ). For users with ample capacity (to a point wherre they get 100%+ of what they pay for consistently 24/7, then they will only get overhead related slowdowns from the router having to manage more clients and possibly deal with the QOS. For everyone else, on top of th eoverhead, any throughpt that the hotspot user is able to get, will directly slow the home connection because they are in a position where comcast is already overloaded and unable to provide then with the speed they are paying for.


    Mutuo per l – acquisto della prima e seconda casa: vantaggi e agevolazioni, tassi per mutuo casa.

    #Tassi #per #mutuo #casa


    La scelta del miglior mutuo casa

    Acquistare un immobile vuol dire, nella maggioranza dei casi, accendere un mutuo per far fronte alla spesa. In funzione delle finalità per cui si accede al finanziamento, si avranno delle “agevolazioni” differenti, con in cima alla lista dei vantaggi il “mutuo prima casa”.

    Fondiario, ipotecario o chirografario: qual è il migliore mutuo per l’acquisto di un immobile?

    La normativa non offre delle indicazioni “specifiche” obbligatorie. Tuttavia la tipologia dei mutui destinata all’acquisto prima casa, per non perdere le agevolazioni fiscali, è quella del Fondiario o ipotecario. In generale il mutuo è detto ipotecario perché sullimmobile acquistato viene iscritta unipoteca a garanzia del finanziamento (in caso di insolvenza del mutuatario, listituto erogante venderà limmobile ipotecato); ipoteca che è obbligatoria per legge.

    In modo semplicistico possiamo dire che il mutuo fondiario è il più adatto per l’acquisto della prima casa, e che rientra nella categoria di quelli ipotecari. Questo uso “esclusivo” è stato voluto dal legislatore e prevede, come accennato, alcune agevolazioni ben definite. Ciò non toglie che un mutuo prima casa possa essere solamente ipotecario ma non fondiario.

    Come scegliere il finanziamento casa migliore?

    Scegliere il mutuo migliore è molto complicato ed importante, e richiede gli stessi impegni ed attenzione profusi nella scelta della casa da acquistare!

    Per trovare il prodotto ideale bisogna per prima cosa partire dal fatto che il mutuo prima casa più adatto oggi potrebbe aver bisogno di un qualche ritocco tra qualche anno. Inoltre la ricerca va fatta guardando a prodotti specifici, ideati per aiutare alcune categorie in possesso di determinati requisiti come ad esempio i giovani (per i quali sono ancora reperibili mutui 100). Detto questo vediamo dei consigli pratici che valgono sempre e per chiunque stia cercando di reperire fondi per acquistare la prima casa o un immobile in generale:

    Innanzitutto rivolgetevi a più banche per poter comparare le varie condizioni applicate e non limitatevi ad analizzare il tasso di interesse ma tenete conto di tutte le clausole previste dal contratto:

  • costo istruttoria;
  • costo assicurazione;
  • tempi e costi della perizia sullimmobile;
  • modalità di estinzione anticipata.

    Valutare con attenzione la cifra di cui si effettivamente bisogno. Infatti limporto massimo che la banca potrà erogare è proporzionale al valore della casa e al vostro stipendio, tuttavia, per via della durata elevata del debito e l’uso dell’ammortamento alla francese, è consigliabile non richiedere la cifra più elevata ottenibile per non gravare di un peso eccessivo il bilancio familiare anche in previsione di eventuali necessità economiche future.

    Il tasso applicato per il calcolo degli interessi è dato dalla somma tra indice di riferimento (generalmente EURIBOR o IRS) e spread, una percentuale scelta dalla banca che rappresenta il suo principale guadagno. È possibile scegliere tra varie tipologie di mutuo, proprio in relazione al tasso applicato; in particolare si può scegliere tra:

    • tasso fisso, che permette di avere la certezza dellimporto della rata da pagare. Adatto quindi a chi prevede di non avere grosse modifiche al proprio stato patrimoniale e non vuole avere sorprese;
    • tasso variabile, che prevede una relazione tra la rata e lindice di riferimento, con tutti i vantaggi e i rischi che possono derivarne;
    • tasso misto, con una rata fissa per i primi anni e la possibilità di modificarla in futuro per approfittare di eventuali oscillazioni positive del mercato;
    • tasso strutturato, che ha carattere più dinamico potendo passare dal fisso al variabile e viceversa.
  • valutare con attenzione la durata di rimborso per combinare l’importo di una rata sostenibile ma senza andare a pesare troppo sul costo complessivo. I mutui più lunghi pagano logicamente interessi molto più elevati e spesso lo spread sale all’aumentare della durata scelta.
  • Costi, imposte e tassi: differenza tra i mutui prima casa e seconda casa

    Una grossa differenza esiste tra i mutui per prima e quelli per seconda casa. Come detto il mutuo per l’acquisto della prima casa gode di una serie di agevolazioni che sono apprezzabili nell’immediato (ad esempio l’imposta sostitutiva o l’iva) e nel corso del tempo (come nel caso di quelle fiscali). Vediamole in modo più dettagliato.

    Agevolazioni per la stipula del mutuo prima casa&

    • tasso agevolato;
    • detraibilità dallimposta sul reddito degli interessi e degli altri oneri accessori nella misura massima del 19%;
    • Imposta sostitutiva agevolata: 0,25% dellimporto finanziato, invece del 2% previsto per la seconda casa.
    • accesso, per le giovani coppie o i nuclei familiari monogenitoriali con figli minori, al “Fondo per laccesso al credito per lacquisto della prima casa” recentemente istituito, poi in parte sostituito e in certi punti rafforzato dal Plafond casa.

    Il mutuo per lacquisto della seconda casa, non solo non gode di tali vantaggi, ma comporta anche unulteriore onere fiscale del 2% sullimporto ottenuto.

    Agevolazioni relative allatto di compravendita immobiliare

    Acquistando la “prima casa” si ottengono agevolazioni anche sull’imposta di registro, ipotecaria, catastale e sull’IVA (scontata se si acquista da costruttore, vedi anche Si paga l’Iva sull’acquisto della prima casa?). Ci sono poi da considerare gli sconti che si possono avere su certi tipi di mutuo solo se riferiti alla prima casa. Ne sono un esempio i mutui volti all’acquisto di case “green”, che possono garantire uno sconto dell’Iva del 50% se ricorrono alcuni requisiti (come la classe energetica dell’immobile).

    Nel solo caso della prima casa è infine possibile scegliere la modalità con cui andrà fatto il calcolo delle imposte tra “valore catastale” (la cui rivalutazione avviene con percentuali più basse) o effettivo prezzo di acquisto.

    Nella tabella che segue illustriamo chiaramente gli importi e le aliquote, distinguendo il caso in cui l’acquisto della casa avvenga da un privato o presso un’impresa.


    Studio Legale Di Mauro specializzato nella consulenza in materia di Diritto Civile, Diritto Amministrativo e Diritto del Lavoro, studio legale amministrativo.

    #Studio #legale #amministrativo


    Studio legale amministrativo

    Lo Studio legale Di Mauro nell’ambito di strategie volte ad individuare modalitГ operative sempre piГ№ efficaci nel settore delle attivitГ connesse al contenzioso legale, si propone di offrire ai clienti la massima professionalitГ .

    Caratteristica dello Studio è quella di curare direttamente i rapporti con la clientela, con scrupoloso orientamento al raggiungimento degli obiettivi in un’ottica di massima economicità gestionale.

    • Consulenza e redazione di contratti di locazione ad uso abitativo o commerciale
    • Contenzioso relativo a ripartizione oneri e spese di manutenzione
    • Procedimenti di convalida di sfratto

    PROPRIETГЂ E CONDOMINIO

    • Diritti reali
    • ProprietГ
    • Usufrutto, uso e abitazione
    • Accertamento diritti e servitГ№
    • Pareri in materia condominiale
    • Redazione ed interpretazione di contrati
    • Fattispecie di adempimento e inadempimento delle obbligazioni contrattuali
    • Individuazione clausole vessatorie e tutela del contraente debole
    • Titoli di credito e recupero crediti
    • NullitГ , annullabilitГ e rescissione contrattuale

    DIRITTO DEL LAVORO

    • Contratti collettivi ed individuali:

    agenzia e mediazione

    • Tutela dei lavoratori e delle lavoratrici

    RECUPERO DEL CREDITO FASE GIUDIZIALE

    L’attivitГ svolta dallo Studio supporta in ogni fase dell’attivitГ di recupero, offrendo un servizio completo di assistenza su tutto il territorio nazionale.

    Nello svolgimento della sua attivitГ professionale l’Avv. Giuseppe Di Mauro, titolare dello Studio,

    si avvale della collaborazione di professionisti esperti, personale di segreteria inseriti in una struttura che garantisce un servizio qualificato e personalizzato.


    Tv farma online, tv farma online.

    #Tv #farma #online


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    Miláček Francie, komik se svobodnou duší

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