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คลิปบ้าน ชวนชื่น บางนา : Home Buyers Hot Deal, NEF2.COM

คลิปบ้าน ชวนชื่น บางนา : Home Buyers Hot Deal

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Skye Canyon Las Vegas Homes For Sale | $399K | 2,583 Sqft | 3 Beds | 2.5 Baths | Loft & Den | 2 Car, NEF6.COM

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Skye Canyon Las Vegas Homes For Sale | $399K | 2,583 Sqft | 3 Beds | 2.5 Baths | Loft & Den | 2 Car, REMMONT.COM

Skye Canyon Las Vegas Homes For Sale | $399K | 2,583 Sqft | 3 Beds | 2.5 Baths | Loft & Den | 2 Car

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How to Calculate the Net Operating Income (NOI) & Cap Rate for Real Estate Investments, NEF6.COM

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How to Calculate the Net Operating Income (NOI) & Cap Rate for Real Estate Investments

How to Calculate the Net Operating Income (NOI) & Cap Rate for Real Estate Investments, REMMONT.COM

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medical insurance houston, NEF2.COM

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TIPOLOGIA: con penisola

TIPOLOGIA: con penisola

TIPOLOGIA: con penisola

TIPOLOGIA: con penisola

TIPOLOGIA: con penisola

TIPOLOGIA: con penisola

TIPOLOGIA: con penisola

CUCINA: Cucine Varie

In questa pagina è visualizzato il nostro catologo di cucine in muratura smontabile con i relativi prezzi approssimativi.

Naturalmente il costo esatto và quantificato in base alle misure del Suo ambiente cucina, approntando anche un progetto di massima ed un preventivo esatto, senza nessun impegno da parte Sua.

– La qualità dei materiali ineguagliabile – La Cura dei particolari – Struttura in Multistrato Marino – Piastrelle in Gress Porcellanato – Elementi in legno massello

Top in pietra lavica ceramizzata decorata a mano – Topantigraffio e antimacchia – Durature nel tempo –

– Le cucine in muratura componibili Artesole vengono realizzate tutte su progettazione

ARTESOLE S.R.L. – Via Marsala, 40 – 95014 Giarre (CT) – P.IVA: 05072970873

Copyright © 2013-2014. All Rights Reserved.

Instant life insurance quote, instant life insurance quote.

#Instant #life #insurance #quote

instant life insurance quote

. for you to purchase Term Life Insurance while engaged in your busy work schedule. The insurance companies quoted are some of the most highly rated and competitive in the industry.

For the first time ever, you will be able to choose a company based on all the factors that are considered by the insurance company when they underwrite a case. We show all the premiums from Preferred Plus to Standard along the same row. No longer will you be shown only one premium, only to find out later you qualified for a higher premium. The specific underwriting guideline chart for each insurance company is available for you to review. This allows you to match the lowest premium that best fits your profile based on the underwriting criteria used by the Insurance Company.

Once you decide on the Insurance company, product and amount just proceed to the Application Request form. The more information you provide here will greatly speed up the process in getting the application completed and into the insurance carrier’s hands for the start of the underwriting process.

No matter what your needs for Term Life Insurance, we welcome the opportunity to serve you.

Introduction to Term Life Insurance

Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. The premiums are guaranteed during the level pay period. When purchasing a level term life insurance policy be sure you are aware of the guaranteed premium period. Once you have been approved and placed the policy in force with the first payment, the insurance company is obligated to keep the policy in force as long as you keep paying the premiums. You are not obligated to pay, but once you stop paying, the policy will lapse after usually a 30 day grace period. Some term insurance policies can be renewed when you reach the end of the level pay period. The premium rates increase at each renewal date. Most policies require that evidence of insurability be furnished at renewal for you to qualify for the lowest available rates.

SAIL, Autos, Chevrolet coseche, imagenes de autos deportivos.

#Imagenes #de #autos #deportivos

Imagenes de autos deportivos

    • Autos
      • Imagenes de autos deportivos










      FTR 1524 E5

      NKR 512 E5

      NQR 919 E5

      NKR 612 E5

        • Autos
          • Imagenes de autos deportivos

          CRUZE TURBO

          CRUZE HB TURBO

          NEW CAVALIER


          NEW TRAVERSE

          NEW EQUINOX




          FTR 1524 E5

          NKR 512 E5

          NQR 919 E5

          NKR 612 E5

          Chevrolet SAIL

          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos

          Colores Disponibles

          Solicite una cotización

          Ingresa tu información personal para cotizar el .

          Chevrolet SAIL

          Chevrolet SAIL

          New Sail Sedán. Cuando combinas diseño, tecnología, confort y seguridad en un mismo auto, tus viajes diarios se convierten en un verdadero parque de entretenciones. Si quieres tener una vida llena de diversión, el nuevo Sail es el vehículo perfecto para ti.

          El Nuevo Sail viene con un look difícil de ignorar. Su nueva y contemporánea visual se creó basándose en nuestro conocimiento global de “look & feel” para brindarte un vehículo atractivo que sobrepase tus expectativas.

          Imagenes de autos deportivos

          Imagenes de autos deportivos

          Imagenes de autos deportivos

          Un motor tan poderoso como quieres que sea

          El nuevo motor de 1,5L con 109hp es la combinación perfecta para llevarte a donde quieras, siempre a tiempo

          Imagenes de autos deportivos

          Detrás de un atractivo diseño, un increíble motor.

          El nuevo Chevrolet Sail es pura tecnología, incluso bajo el capó con 109 hp y 141 Nm de torque, con un motor DOCH de 1.5L. La potencia va de la mano con la eficiencia.

          Imagenes de autos deportivos

          La seguridad para toda tu familia es la norma

          Todas las versiones del nuevo Chevrolet Sail tienen doble airbag mientras que la versión LT incluye airbags laterales, sensor de estacionamiento y sistema ABS. El nuevo Chevrolet Sail cuenta con los más altos estándares de seguridad. Además todas la versiones vienen con cinturones de seguridad de tres puntas y sistema isofix, mucho más conveniente par ti y la seguridad de tus hijos

          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Exterior
          • Interior

          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos

          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Exterior
          • Interior

          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos
          • Imagenes de autos deportivos

          Chevrolet SAIL. Imagenes Referenciales

          Imagenes de autos deportivos


          Chevrolet SAIL

          Versiones Disponibles

          Solicite una cotización

          Ingresa tu información personal para cotizar el .

          SAIL NB 1.5L LT AT

          SAIL NB 1.5L

          SAIL NB 1.5L LT

          SAIL NB 1.5L LS

          Chevrolet SAIL

          New Sail Sedán. Cuando combinas diseño, tecnología, confort y seguridad en un mismo auto, tus viajes diarios se convierten en un verdadero parque de entretenciones. Si quieres tener una vida llena de diversión, el nuevo Sail es el vehículo perfecto para ti.

          El Nuevo Sail viene con un look difícil de ignorar. Su nueva y contemporánea visual se creó basándose en nuestro conocimiento global de “look & feel” para brindarte un vehículo atractivo que sobrepase tus expectativas.

Un mutuo online a tasso fisso, scegli mutuo.

#Scegli #mutuo

mutuo hello! home



Hello! Home è il mutuo online riservato ai correntisti Hello bank! 1 che vogliono richiedere un finanziamento per l’acquisto della propria casa completamente online: senza bisogno di recarsi in filiale, potrai ricevere un’assistenza dedicata dalla richiesta dell’erogazione del mutuo online.

Scopri la convenienza di Hello! Home con il calcolo del mutuo online, utilizzando il simulatore in basso: basta inserire la finalità per la quale effettui la richiesta del mutuo online (acquisto casa o surroga), la durata del mutuo, il valore dell’immobile, l’importo che vuoi richiedere e la tua età. In questo modo puoi ottenere una simulazione e capire a quanto ammonterà la rata dei diversi mutui casa offerti da Hello bank!: mutuo a tasso fisso, a tasso variabile e variabile con cap.

I vantaggi dei mutui casa online sono molteplici. Rapidità di gestione ed erogazione, ma soprattutto costi inferiori: gestendo l’intera pratica online, infatti, si possono eliminare molte spese.

Non sei correntista Hello bank!? Scopri i vantaggi di Hello! Money, il conto corrente zero spese che valorizza i tuoi risparmi oppure vieni a scoprire l’offerta BNL in filiale.

Vuoi sapere tutto sui Mutui?


Hello! Home è il mutuo per l’acquisto della tua casa vantaggioso e completamente digitale: per richiedere Hello! Home non devi recarti in filiale, ma avrai a tua disposizione un consulente che ti supporterà nell’apertura del finanziamento fino all’acquisto della casa.

In base alle tue esigenze, puoi scegliere tra diverse tipologie di Hello! Home:

  • Hello! Home Fisso è il mutuo a tasso fisso: la rata rimarrà invariata per tutta la durata del finanziamento; è ideale per chi vuole pianificare in modo certo l’importo della rata e vuole tenere sotto controllo il proprio budget di spesa mensile;
  • Hello! Home Variabile è il mutuo a tasso variabile: l’importo della rata e il tasso cambierà in base alle oscillazioni del mercato; è ideale per chi vuole una rata iniziale più bassa, ma non ha problemi se la rata in futuro dovesse aumentare.
  • Hello! Home Quasi Fisso è il mutuo a tasso variabile con Cap: la rata potrà infatti variare nel tempo in base alle oscillazioni del mercato, ma si stabilisce un tetto massimo (il Cap, appunto) oltre il quale l’importo della rata non potrà alzarsi; con questa tipologia di finanziamento puoi beneficiare dei vantaggi di un mutuo a tasso variabile, ma con la sicurezza del tasso fisso.


Utilizza il nostro simulatore e sarai contattato entro 24 ore da uno specialista Hello bank!: potrai sottoscrivere il mutuo online, a casa o in mobilità, in qualunque momento.


La sottoscrizione di un mutuo Hello! Home è riservata ai correntisti di Hello bank!.

Hello! Money è il conto corrente online e a zero spese di Hello bank! che ti offre anche la possibilità di guadagnare, grazie a un tasso di interesse fino all’1% annuo lordo riconosciuto sulle somme versate per due trimestri (in caso di giacenze medie trimestrali tra 25.000€ e 100.000€ (2) ), senza alcun obbligo di vincolo. Inoltre, aprendo un conto Hello! Money, avrai diritto a un buono regalo (3) .


Polizza BNL Serenity e Polizza BNL Serenity Premium (4) sono realizzate in collaborazione con Cardif Vita S.p.A. e Cardif Assurances Risques Divers, e sono assicurazioni mutuo facoltative rivolte a tutti coloro che stanno per sottoscrivere un mutuo Hello bank!.

Polizza BNL Serenity ti offre unampia copertura contro una serie di imprevisti che possono compromettere la capacità di rimborso del finanziamento; in particolare nei casi di:

Polizza BNL Serenity Premium invece ti tutela in caso di:

  • decesso
  • invalidità permanente
  • perdita dimpiego
  • inabilità temporanea totale (sostituisce la garanzia perdita dimpiego in caso di variazione dello status di Lavoratore Dipendente Privato)

Vuoi richiedere la Polizza BNL Serenity o la Polizza BNL Serenity Premium? Puoi farlo durante le fasi di apertura del tuo nuovo mutuo Hello! Home rivolgendoti direttamente al tuo specialista dedicato che ti fornirà tutte le informazioni necessarie.

Alcune caratteristiche chiave:

  • Limiti di età per l’adesione:minimo 18 anni e massimo 60 per i mutui di nuova erogazione e 55 anni per i mutui già in essere. L’età massima a scadenza della polizza è 75 anni.
  • Limite assicurabile:massimo 200.000€ per persona.
  • Premio:determinato in funzione del capitale assicurato, della polizza scelta e della durata della copertura assicurativa, è unico e anticipato, ma con la possibilità di essere finanziato direttamente da BNL sostenendone mensilmente il costo.

Illinois Car Insurance – Online Auto Insurance, illinois automobile insurance plan.

#Illinois #automobile #insurance #plan

Online Auto Insurance

Illinois automobile insurance plan

Compare Illinois auto insurance quotes from different insurance companies quickly and easily by completing a simple form. helps IL residents find the cheapest rates for their particular needs. Whether looking for cheaper rates or to buy car insurance for the first time, complete the following form and instantly get your rate comparison from multiple quality companies. Get quotes with no personal information. They re also 100% free and without any obligation to buy!

Illinois automobile insurance plan

Although the above coverage is what is required by IL car insurance laws require, motorists should consider the many other types of coverage that are available and affordable. The above coverage is only designed to pay for others damages as a result of an accident in which the policyholder is found to be at fault or in case he or she were to get hit by someone who does not have an active auto insurance policy.

When shopping for Illinois auto insurance online, there are a few tips can provide:

  • Compare rates — Just as most states official websites suggest, comparing rates is an excellent way to avoid overpaying to insure cars. Rates can vary widely within companies, even for the exact same coverage. Take advantage of the Internet by comparing auto insurance quotes online instantly and easily.
  • Take advantage of discounts — Most carriers will offer discounted rates if drivers are eligible. There are tons of discounts available, which consumers shouldn t pass by. Many available discounts include:
    • Good driver — Having no or few accidents and/or violations
    • Good student — Maintaining a B grade point average or higher
    • Multi-car — Insuring multiple vehicles on the same policy
    • Low use — Using one or a few of vehicles only occasionally or not at all
  • Shop around — If current rates feel too high, check out the competition. But ask the current carrier if there are any cancellation fees before deciding to switch, although some companies have no fees at all.
  • Mix and match — Experiment by quoting different types of protection. Most consumers will just quote one or two types of coverage because they don t want to hassle their agent. Finding cheap IL car insurance rates online can be a bit easier because there s is no need have to speak to anyone.
  • Check rates before buying an additional vehicle — Get quotes on insurance for any new vehicles before making a purchase. Don t get stuck having to insure a vehicle with full coverage that s impossible to afford. Once again, rates are free, so obtain and compare them as often as needed.

State websites also provide useful information for consumers. For further assistance, consumers can take a look at Shopping for Illinois Auto Insurance for additional tips and information. also helps make the shopping experience as effective as possible by providing access to its learning center.

Questions Related to IL Insurance

Illinois automobile insurance planIn Illinois there is a wealth of insurance companies to choose from, but finding an insurer that is both reputable and affordable from among the many available options involves a fair amount of research and comparison shopping. Vehicle owners should identify the financial stability of.

Illinois automobile insurance planThere are many different insurers in Illinois, but not all of them can provide service of equal quality. Like the producers of other products, some companies can provide excellent service and others can offer affordable prices. Some companies may be able to.

Illinois automobile insurance planIn some cases an Illinois resident may have to file a claim with another driver’s insurer following an accident. This is known as a “third-party” claim. After a collision it is important that the drivers involved exchange insurance information since the other motorist’s policy information would be needed to.

News for Illinois Car Insurance

July 17, 2013 – Allstate Fire float: reght; margin: 5px;”>

Ohio Automobile Insurance Plan, ohio automobile insurance.

#Ohio #automobile #insurance

Applicant Eligible for Plan

To be eligible for bodily injury, property damage, medical payments, and physical damage coverages, the applicant must meet the following criteria:

As a prerequisite to consideration for assignment under the Plan, the applicant must certify, in the prescribed application form, that he has attempted, within 60 days prior to the date of application, to obtain automobile insurance in the state, and that he has been unable to obtain such insurance rates equal or less than the Plan.

An applicant so certifying shall be considered for assignment provided that he reports in the prescribed application form all information of a material nature and does not willfully make incorrect or misleading statements in the prescribed application form, or does not come within any of the prohibitions or exclusions shown in Section 2.C.

For bodily injury, property damage, and medical payments coverage, the Plan shall be available to residents and non-residents of the state only with respect to automobiles that are registered or will be registered in the state within 15 days, except that non-residents who are members of the United States military forces, shall be eligible with respect to automobiles registered in other states provided such military non-residents are stationed in this state at the time application is made and are otherwise eligible for insurance under the Plan.

For physical damage coverage, the Plan shall be available to residents and non-residents of the state only with respect to motor vehicles that are registered or will be registered in the state within 15 days and garaged in Ohio, except that non-residents who are members of the United States military forces shall be eligible with respect to motor vehicles registered in other states provided such military non-residents are stationed in this state at the time application is made and are otherwise eligible for insurance under the Plan.

Applicant Not Eligible for Plan

An applicant shall not in any event be entitled to insurance, nor shall any company be required to afford or continue insurance under the following circumstances:

If any person who usually drives the automobile does not have a valid driver s license, or fails to obtain such license as required by law, except where the license has been suspended or revoked and can be restored upon the filing of financial responsibility.

If the applicant or anyone who usually drives the motor vehicle fails to meet all obligations to pay to any insurance company any automobile insurance premiums due.

If the condition of the applicant s automobile is such as to endanger public safety, except that the company shall afford insurance provided the applicant makes such repairs to his automobile as may reasonably be required.

An applicant shall not be entitled to physical damage insurance nor shall any company be required to afford or continue to afford physical damage insurance under the following circumstances:

b. if the applicant s automobile has an Original Cost New in excess of $25,000, or

Medical payments insurance shall be available to an applicant, but only in connection with the same policy written in accordance with this Plan affording bodily injury and property damage coverage for a four-wheel vehicle classified and rated as a private passenger automobile.

Hotel Flamingo Beach, Hoteles en Isla de Margarita, apartamentos en caracas.

#Apartamentos #en #caracas

Clickee sobre las fotos si desea ampliarlas:

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Apartamentos en caracas

Aceptamos las Siguientes Formas de Pago: Tarjetas de Crйdito, Transferencias y Depósitos Bancarios

Apartamentos en caracas

Nota Importante:

"El Hotel Flamingo Beach está en pleno proceso de remodelación; esto implica ciertas interrupciones del uso de los ascensores y ruido ambiental. Nuestra agencia sólo ofrece las habitaciones remodeladas para un mayor confort y control de calidad."


El Hotel Flamingo Beach esta ubicado en la hermosa Bahнa de Pampatar, a tan solo 4 minutos del Centro Comercial Sambil y a 8 minutos del centro de compras por excelencia de Margarita, la Avenidas 4 de mayo y Santiago Mariño.

Facilidades y Servicios del Hotel Flamingo Beach

* Playa "semi-privada", piscina para niños y adultos con vista al mar, toldos, sillas y toallas, cancha de tenis, Tiendas, exclusivo Bingo/Casino en el centro de compras mбs moderno y lujoso de la ciudad, el Centro Comercial Sambil.

* "El Velero" Bar Restaurant junto a la piscina, con capacidad para 300 personas, ofrece una extensa selección de bebidas y meriendas, al igual que desayunos, almuerzos y cenas estilo Buffet. Abierto de 7:00 a 22:00 hrs.

* "Guayoyo Café": Restaurant Gourmet exclusivo, especialidad en pescados y mariscos, localizado en la terraza baja independiente. Abierto de 18:00 a 02:00 hrs.

* "Beach Bar & Lounge": En el nivel Playa, con la mejor comida Tailandesa e Internacional. En las noches ofrece música electrónica y "Chill Out". Abierto de 20:00 hasta el amanecer.

* Salones "La Caranta" e "Il Giardino" para eventos sociales, congresos, reuniones y convenciones con capacidad desde 10 hasta 300 personas.

Servicios Varios del Hotel

  • Línea de Taxi
  • Servicio de comida y bebida en el área de la piscina
  • 130 Habitaciones "Standard"
  • 29 Habitaciones "Superior"
  • Aire Acondicionado Central
  • TV por cable
  • Secador de cabello
  • Caja de seguridad (Opcional)
  • Teléfono.

Baufinanzierungsrechner Baufinanzierung Rechner Kreditrechner berechnen, baufinanzierung darlehensrechner.

#Baufinanzierung #darlehensrechner


Baufinanzierung darlehensrechner Unser Baufinanzierungsrechner Portal, hilft Finanzierungen zu kalkulieren, berechnen und zu optimieren! Eine Auslese an Online Rechnern zur Berechnung Ihrer Baufinanzierung.

Der Immobilienerwerb ist ein langfristiges Projekt – genau zu kalkulieren zahlt sich immer aus. So optimieren Sie Ihre Finanzierung: Im Vorfeld der Berechnung sollten Sie Ihre individuellen Rahmenbedingungen festlegen. Ermitteln Sie die Hцhe des maximal mцglichen Eigenkapitalanteils, die Dauer der Zinsbindungsfrist, die Hцhe und Art der Tilgung. Durch den Einbau von Sondertilgungen schaffen Sie sich die Mцglichkeit schneller und flexibler zu tilgen. Bei der Berechnung zeigt es sich deutlich welche finanziellen und zeitlichen Vorteile diese Form der Tilung mit sich bringt. Auf diese Mцglichkeit sollten Sie nicht verzichten, vereinbaren Sie ansonsten lieber kleinere feste monatliche Tilgungsraten in Kombination mit der Option auf flexible jдhrliche Sondertilgungen. – gьnstige Baufinanzierungen vergleichen!

Mit unserem Hypothekenzinsen Vergleich, kцnnen Sie die aktuellen Marktzinsen von Baufinanzierungen einsehen und die Angebote vergleichen.

Fцrdermittel bei der Baufinanzierung

Wohnriester – das staatliche Fцrdermittel fьr Ihre Baufinanzierung. Alle die sich in Zukunft einmal Wohneigentum anschaffen mцchten, fцrdert der Staat in Form der Wohnriester-Fцrderung. Wohnriester bietet Ihnen die Mцglichkeit das angesparte Riesterkapital vorzeitig fьr eine Immobilienfinanzierung zu entnehmen, ohne auf die staatlichen Fцrderungszulagen zu verzichten. Mit Wohn Riester profitieren bereits vor Rentebeginn vom angesparten Rentenkapital. Mit dem Wohnriester Rechner berechnen Sie Ihre individuelle Fцrderung.

Wenn Sie schonmal hier sind, dann mцchten wir es uns nicht nehmen lassen Ihnen ein paar Tipps mit auf den langen Baufinanzierungsweg zu geben. In unserem Baufinanzierung Ratgeber, finden Sie dazu hilfreiche Infos. Vor allem eine Schritt fьr Schritt Anleitung zur professionellen Vorgehensweise und Planung Ihrer Baufinanzierung.


Der Tilgungsrechner berechnet die Restschuld im Laufe der Jahre. Der Baufinanzierungsrechner mit Tilgungsplan berechnet die Zinskosten Ihrer Baufinanzierung. Berechnen Sie die Tilgungshцhe im Verlauf der Jahre. Erfahren Sie zu welchem Zeitpunkt sie schuldenfrei sind. Starten Sie Ihre Online Berechnung. Zum Tilgungsrechner .


Der Immobilienrechner ermittelt Ihren finanziellen Spielraum bei der Hausfinanzierung. Ermitteln Sie Ihre Belastungsgrenze, bevor Sie sich fьr lange Zeit verschulden. Der Rechner berьcksichtigt Ihre individuellen finanziellen Mцglichkeiten. Zum Immobilienrechner .


Berechnen Sie die Rendite Ihrer Geldanlage inklusive Zins und Zinseszins. Berechen Sie den Zinsertrag bei einer einmaligen Kapitalanlage oder in Verbindung mit monatlichen Einzahlungen. Zum Zinsrechner.

Altmetall & Schrottbцrse – Schrott Ankauf, auto schrott.

#Auto #schrott

Entsorgung, Altmetall & Schrott

Schrottankauf, Altmetall Ankauf, Metallschrott, Elektroschrott, Autoentsorgung

[SUCHE] Haben Sie einen Unfallwagen? – Dann einfach KFZ-Reichel fragen! Auto schrott

.)mit und ohne Karosserieschдden, Getriebe- oder Motorschaden

.)Die Bezahlung erfolgt sofort bei Abholung bzw. Ьbergabe.

da wir eine befugte und zugelassene Altauto-Ьbernahmestelle bzw. Behandler sind

und gebrauchte Fahrzeuge mit und ohne Pickerl (Prьfgutachen) ьbernehmen dьrfen.

Standort: Gerasdorf bei Wien

Alt AUTOANKAUF Wien – Niederцsterreich – Burgenland!

Sie bekommen automatisch eine Entsorgungsbestдtigung ausgestellt die zum Vignettenersatz erforderlich ist!

Standort: Wien, NЦ, STMK, Burgenland,

[SUCHE] Drehbank Auto schrott

Standort: 5112 Lamprechtshausen

[BIETE] gebrauchte Paletten Linz Europaletten Einwegpaletten H1 Paletten Auto schrott

Barzahlung vor Ort!

Telefon: +43 6769054349

Standort: Linz, Linz Land, Wels, Steyr, Kirchdorf, UU, Traun

Einfacher Transport von A nach B 25Euro in Wien. Transport auch Цsterreichweit!

– Entsorgung von alten Mцbel, Gerдten, etc

– Mцbelzusammenbauen 10Euro/Stunde, Minimum 20Euro

– Mцbelabholung von privaten Personen oder Geschдften

Bei Interesse kontaktieren Sie mich unverbindlich.

Firma ATOM, 9400 Sopron, Tel: 0036 / 70 / 770 87 97 – Tamas

Standort: 9400 Sopron

Standort: Linz Wels Steyr KI PE FR UU AM GR EF VB

Auto schrott

Biografía de próceres de Panamá, Webscolar, colegio de abogados de panama.

#Colegio #de #abogados #de #panama

Biografía de próceres de Panamá

Colegio de abogados de panama

(Cartagena de Indias, 1833 Panamá, 1909) Político panameño que fue el primer presidente de la República de Panamá (1904-1908).

De profesión médico, trabajó primero en Colón, después en Santiago de Veraguas y más tarde en la ciudad de Panamá, donde estuvo más de treinta años en el Hospital de Santo Tomás. Durante todo este tiempo desarrolló también una importante labor en política. En 1868 ganó las elecciones presidenciales de Colombia, pero un golpe militar, dirigido por el general Ponce, le impidió tomar posesión de su cargo. En 1885 fue nombrado gobernador del Estado de Panamá.

Puesto al frente del movimiento independentista panameño, viajó en 1903 a Estados Unidos para solicitar ayuda militar y financiera. Las gestiones de Amador y las de Bunau-Varilla, uno de los contratistas del canal de Panamá, alcanzaron éxito y Estados Unidos se comprometió a garantizar la independencia del nuevo Estado. El 3 de noviembre se proclamó la independencia de Panamá y Amador fue elegido su primer presidente. Fue sucedido por José Domingo de Obaldía.

Colegio de abogados de panama

Nació en Panamá el 14 de junio de 1928. En 1949 obtuvo el grado de Bachiller en Artes en Gobierno y Relaciones Internacionales en la Universidad de Cambridge, Massachussets.. Se doctoró en Derecho en la Universidad Central de Madrid. Fue Secretario del Ministerio de Relaciones Exteriores y en 1956 ocupó interinamente esta cartera. Miembro del Consejo Nacional de Relaciones Exteriores entre 1960 y 1964. Profesor de Ciencias Políticas y Derecho Internacional en la Universidad de Panamá. Fue Presidente de la Federación Internacional de Abogados y del Colegio Nacional de Abogados. Director de la Oficina de la Organización de Estados Americanos y Embajador de Panamá ante la ONU.

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Don José Agustín Arango, un varón justo y noble como esos caracteres ejemplares de la historia, que exalta Plutarco en sus “Vidas Paralelas” para lección perenne de civismo a la humanidad, que llevaba en su sangre el amor a la libertad, fue el iniciador, la fuerza viva, del movimiento secesionista de Panamá en 1903.

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Nació 3 de junio de 1873 en Nueva York, Estados Unidos, Murió 16 de junio de 1941 en la ciudad de Panamá.

En 1900, de Barrió era Prefecto y Jefe Civil y Militar de la provincia de Panamá. Luego, Diputado por el Departamento de Panamá al Congreso de Colombia. Miembro conspicuo de la Junta emancipadora de 1903 y Prócer de la Independencia. A la edad de 30 años fue nombrado primero y único Ministro de Guerra y Marina que ha tenido la República.

General. Político. Embajador. Llevado sin embargo en los Estados Unidos, Barrió era de hecho un miembro de una familia ístmica prominente. Él graduó de la universidad de Colombia en matemáticas y la física. Como general en el ejército colombiano, él sirvió como prefecto de la provincia de Panamá. Además lo consideran uno de los fundadores de s. Después de la república de Panamá independencia acertada de Colombia, lo designaron ministro de la guerra y de la marina de guerra. Lo eligieron más adelante a un asiento en la asamblea nacional. Él sirvió como el enviado extraordinario y ministro plenipotenciario a los gobiernos de Perú, de Alemania, y de la Santa Sede. Él era un benefactor del Iglesia Santuario Nacional, donde él entonces, donando la tierra la cual fue empleado.

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Don Tomás Arias nació en Panamá el 29 de diciembre de 1856 y murió en Panamá el 20 de julio de 1932 a la edad de 76 años. Sus padres fueron Don Ramón Arias Feraud y Doña Manuela Ávila. Cursó estudios en Panamá, Jamaica y luego en los Estado Unidos de Norteamérica. Don Tomás fue uno de los fundadores de la República, prócer destacado y gran orador. Cuando la patria reclamó sus servicios diplomáticos él no la traicionó y luchó por medio de las palabras para mantenerla libre e independiente.

Tomás Arias se destacó como hombre público al encargarse de puestos gubernamentales, en nuestra vida departamental y al inicio de nuestra vida republicana, entre los que podemos destacar son: Administrador de hacienda, Diputado a la Asamblea Departamental (1882), Representante ante el Congreso de Colombia, Senador en la Cámara Alta (1888 1892), Secretario de Gobierno (1893 1900) en los períodos que trabajó para el Gobierno de Colombia siempre defendió y llevó en alto el nombre de Panamá.

El como forjador de la independencia del Istmo formó parte de la Junta Provisional. En la presidencia del Dr. Guerrero fue secretario de Gobierno y de Relaciones Exteriores hasta 1904, también ocupó cargos como: Presidente de la Asamblea Nacional en 1906, Ministros de Panamá ante los Gobiernos de México, lo nombró Cónsul en Panamá, cargo que desempeñó por 10 años. El 9 de noviembre de 1928, en el Teatro Nacional, se le rindió homenaje por sus méritos de prócer de la patria.

Colegio de abogados de panama

Nació en Panamá el 24 de septiembre de 1851. Hijo de Don Archibaldo B. Boyd y Doña María López de Boyd. Comerciante de profesión. Fue un miembro activo de la Junta Patriótica Revolucionaria que logró la emancipación de Panamá de Colombia. Fue conocido como un abogado patriota que luchaba por las causas justas de su patria sin importar las consecuencias. Ocupó diversos cargos políticos: Miembro del Consejo Municipal de Panamá (1888), Miembro de la Junta Provisional de Gobierno (1903), Diputado a la Asamblea Nacional (1906), Jefe del Estado Panameño (1910), Ministro de Relaciones Exteriores (1911-1912), Embajador Extraordinario y Ministro de Panamá en Alemania, Holanda y Bélgica, Cónsul General, Encargado de Negocios de la República de Honduras y El Salvador.

Sus dotes diplomáticos le llevaron a presentar ante el gobierno de Colombia una petición para obtener una prórroga sobre los contratos para la construcción del Canal por parte del gobierno francés. Su intervención hizo posible que más tarde se negociara con el gobierno de los Estados Unidos la construcción del Canal Interoceánico a través del Istmo de Panamá. Con el apoyo de los señores Pedro J. Sosa, Constantino Arosemena y otros distinguidos personajes de la época logró hacer realidad varias obras de carácter benéfico: La Plaza de Santa Ana, La Zahurda, El Matadero.

Colegio de abogados de panama

José de Fábrega nació el 19 de octubre de 1774 en la Ciudad de Panamá, de padres españoles de nombre Carlos de Fábrega, militar español, y Antonia de las Cuevas y Álvarez. Al año siguiente, nace el hermano de José de Fábrega, Felipe José Cayetano de Fábrega. La primera desgracia de la familia Fábrega, ocurre en 1778, cuando muere el Don Carlos de Fábrega, dejando así en la orfandad a sus dos hijos. A los 8 años, su madre contrae nuevas nupcias matrimoniales con Don Cayetano Giménez, Comandante del Batallón Fijo de Panamá, cuando Doña Antonia tenía 30 años.

Santiago de Veraguas, 11 de marzo de 1841) fue un militar, político y patriota panameño; prócer de la Independencia de Panamá, conocido también como el libertador del Istmo. El general José de Fábrega fue el artífice principal de la Independencia de Panamá, quién aprovechando la ausencia del mariscal Juan de la Cruz Mourgeon proclama la Independencia del Istmo de Panamá el 28 de noviembre de 1821. Hasta ese entonces era teniente coronel, luego de la hazaña, Simón Bolívar lo asciende general y como el primer jefe supremo del Istmo o lo que es lo mismo el primer gobernante de Panamá.

Curiosamente la carrera militar de José de Fábrega inicio a una edad verdaderamente temprana, en el año de 1777 y con tan solo tres años de edad, su padre consiguió una licencia que permitía al niño se le nombrase con el grado de cadete. Para 1797 Fábrega ya era teniente, en 1814 capitán, 1815 teniente coronel y en 1821 coronel y general. José de Fábrega, en 1815 fue designado como Gobernador de Veraguas. Antes que Fábrega fuera el jefe supremo del Panamá, le antecedieron algunos gobiernos de gran importancia y que fueron reviviendo el deseo independentista en los istmeños

Best Medical Billing and Coding Training Institute and School Online in Delhi NCR, medical coding and billing courses.

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Best Medical Coding And Transcription Course Training Institute in Delhi NCR

IMCB stands for Institute of Medical Coding and Billing and as the name suggests we are one of the best Medical Coding, Medical Transcription and Medical Billing training institute in Delhi NCR. We have grown leaps and bounds with our best practices and of course with the most satisfied students who are well placed in various Medical coding and transcription companies.

Foundation of Medical Coding & Billing (IMCB) was built up with a point of giving phenomenal preparing & training for profession improvement furthermore helps its understudies to redesign their delicate aptitudes to expand productivity, time administration, precision, and so forth.

At first, IMCB began giving training for Medical Coding, Medical Billing & Medical Transcription however seeing the inconceivable capability of social insurance division, its wanting to dispatch more vocation situated courses and ability improvement courses that can help understudies to manufacture their profession and help officially living up to expectations experts to include more aptitudes in their resume to upgrade or broaden their expert aptitudes. With the pool of highly educated and 10+ years of expertise trainers in the Medical Billing, Medical Coding and Medical Transcription we are surely be called the best Medical coding, transcription and billing course training institute in Delhi NCR!Read More

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The white paper, which talks about the history, advantages, and effect of ICD-10, incorporates ventures to a fruitful ICD-10 move. IMCB offers a few preparation and instructive book, on-line, on location, and neighborhood part open doors for those not exactly prepared for the huge code change.

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Non vehicle owner insuranceNon owner car insurance policies are designed to protect individuals who don’t drive regularly, but require coverage for the times they do drive a car. Acceptance can help explain all your options and provide a no-hassle, no-obligation non owner car insurance quote, so you can decide whether this type of policy is right for you.

The Facts about Non Owner Insurance

Although there are several insurance companies that offer non owner coverage, it isn’t usually advertised to the extent that other policies are, so most people don’t even know it exists. Non owner car insurance policies can be a good alternative to full coverage. Getting a quote through Acceptance is easy, and this type of insurance can save a lot of money in the end compared to the cost of paying for the medical bills and property damage associated with an accident.

Who Should Consider Non Owner Insurance?

Insurance experts recommend non-owners auto insurance for anyone who doesn’t own a vehicle. The policy will provide the basic liability coverage you need to protect yourself and your assets after an accident for which you were at fault. If you don’t own a car but still need liability insurance coverage, it’s well worth considering.

How Much Does it Cost?

There are several factors that may determine the cost of your non owner insurance policy. The amount of coverage you desire will, of course, affect how much you pay. Your driving history and the estimated frequency with which you plan on using a car will also influence the cost of your monthly payment. Contact us today to learn more and get a free non owner car insurance quote. One of our highly knowledgeable insurance specialists can explain how this type of policy works, what it might cover, what kinds of coverage options there are and anything else you’re concerned with.

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La Firma del Abogado de Inmigraciуn Robert Sheldon hace mas de 20 a os que trabaja diariamente con los Jueces de Inmigraciуn de los Centros de Detenciуn.


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Bцrse @ GOYAX – Bцrsenkurse fьr Aktien, Fonds und Wertpapiere, börsenkurse realtime.

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  1. 18:37 Euro Stoxx 50 Am Dienstag ging es an europдischen Aktienmдrkten nur mit gedrosseltem Tempo nach oben. Der EuroStoxx50 schloss mit einem Plus von 0,18 Prozent bei 3.622,87 Punkten. Den Aktienmдrkten half zwar nach wie vor ein schwдcherer Euro. Nach so viel Konjunkturoptimismus der letzten Wochen wird die Luft allerdings langsam dьnn. Auch gestern wurden neue Wirtschaftsdaten verцffentlicht. So hatte die deutsche Industrie ihre Produktion im November deutlich gesteigert. Die Exporte waren hцher als von Experten erwartet ausgefallen. Zudem hatte die Arbeitslosigkeit in der Eurozone den tiefsten Stand seit fast neun Jahren erreicht. An der Dax-Spitze kletterte die Aktie von Continental um 5,4 Prozent. Medienberichten zufolge prьft der Automobilzulieferer eine Aufspaltung. Wegen Rassismusvorwьrfen ging H M auf Talfahrt.

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  1. Börsenkurse realtime 09:19 Steinhoff International Holdings NV Die Europдische Zentralbank hat ihre Steinhoff-Anleihen verkauft. Wie viele Anleihen die Notenbank hatte ist nicht bekannt. Steinhoff war zuletzt wegen Ungereimtheiten bei der Bilanz unter Druck geraten, die Aktie verlor massiv an Wert.
  2. Börsenkurse realtime 09:13 E.ON SE E.ON hat den Vertrag mit dem CEO Johannes Teyssen verlдngert. Thyssen trieb die Aufspaltung von E.ON und Uniper voran.Thyssen soll den Energiekonzern bis mindestens Ende 2021 leiten. Sein Vertrag lief ursprьnglich bis Ende 2018.
  3. Börsenkurse realtime 09:06 Beiersdorf AG Beiersdorf hat am Vorabend ьberraschend die Zahlen zum Schlussquartal 2017 vorgelegt. Der Konsumgьterkonzern hat seinen Umsatz organisch um 5,7 Prozent auf 7,1 Milliarden Euro gesteigert und hat damit die eigene Prognose ьbertroffen.
  4. Börsenkurse realtime 08.01.18 Apple Inc. Apple ist von zwei GroЯaktionдren aufgefordert worden, gegen die Smartphone-Sucht bei Kindern vorzugehen. Die Idee ist, eine Software zu entwickeln, die den Eltern die Mцglichkeit gibt, die Nutzungsdauer der Telefone zu beschrдnken. Bei den Aktionдren handelt es sich um den Hedgefonds Jana Partners und den kalifornischen Lehrer-Pensionsfonds CalSTRS.
  5. Börsenkurse realtime 08.01.18 Celgene Corp. Celgene ьbernimmt den Blutkrebs-Spezialisten Impact Biomedicines. Medienberichten zufolge will Celgene bis zu 7 Milliarden US-Dollar auf den Tisch legen. Dieser Kaufpreis ist allerdings von gewissen Voraussetzungen abhдngig. Zunдchst sollen 1,1 Milliarden Dollar gezahlt werden. Beim Erreichen bestimmter regulatorischer Meilensteine sollen weitere bis zu 1,4 Milliarden Dollar gezahlt werden. Sollte der Umsatz die Marke von 5 Milliarden Dollar ьbersteigen, sollen noch einmal 4,5 Milliarden Dollar hinzukommen.

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Auto Insurance, buy auto insurance.

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When you really need it, you will be glad you took the time to purchase good car insurance. The purpose of the articles in this section is to prepare drivers with the right auto insurance policy before it is too late. Then, if trouble strikes, you and your family and your family’s finances will be protected.

Everyone knows that car insurance can be expensive. However, in the Internet era, getting an online car insurance quote is fast and easy. With the resources and information we present here, it is easier than ever to compare auto insurance quotes. We will also tell you what differences exist between one auto insurance company and another. Basic coverage is described and comparative shopping strategies are clearly outlined. What about teenage drivers? We take a special look at shopping for car insurance for them. What if you have auto insurance but can’t keep up with the expensive premiums? We might be able to show you how to continue getting the coverage you need while reducing your payments. And, finally, what about the mysterious type of insurance called “gap insurance”? This is a form of auto insurance that usually applies to leased cars. In some cases, however, a car buyer might also need gap insurance. We’ll tell you when and how much to buy.

If you are on the fast track, and need car insurance now, we’ve boiled down all our information into the easy-to-read “10 Steps to Buying Auto Insurance.” This series of short articles is followed by a checklist that will ensure that you won’t overlook any important details as you get the best coverage available.

Auto Repair Shop Insurance: Coverage – Quotes: Farmers Insurance, business auto insurance quotes.

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Insurance for Auto Service and Repair Shops

Do you have a reputation for working mechanical magic on imported cars? Perhaps your shop is earning social media kudos for repairs on bodies, mufflers, transmissions, exhausts or windshields. Maybe you stay busy with a steady stream of customers at your car wash or quick lube and oil change chain.

Here are just some of the ways you can help manage risk at your auto shop:

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To customers with multiple My Farmers IDs: Currently, you may only view policies associated with a single Farmers ID/Login. To view additional policies or IDs, please log out and log back in with your other ID.


There’s an accident with minor injuries when the wheel of a customer’s car breaks loose — your technician forgot to tighten some lug nuts while rotating tires.

Garage liability or garagekeepers insurance can help cover costs when a technician’s error is responsible for damage at your shop.

A truck causes structural damage to your shop when it rolls off the lift and into the wall.

Business property insurance can help with repair and replacement costs when buildings, equipment or tools are damaged by covered events like accidents or fires.

An employee gets into a fender-bender while test-driving a customer vehicle he just serviced.

Garagekeepers coverage can help pay for repairs and costs if there’s an accident involving a customer’s vehicle under your care.

You arrive one morning to discover a broken lock — worse, you also find that tools and equipment worth thousands of dollars are missing from your garage.

Business personal property insurance can help offset losses when they’re caused by robbery.

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Farmers provides insurance options that enable you to get the insurance you want for your business — along with help to minimize risk. For example:

  • Your auto shop’s business insurance is conveniently packaged in a single policy that can include options like cyber liability and employer liability insurance.
  • Free loss control services can help you identify workplace hazards and provide a safer work environment. Farmers can even provide customized training material.

Farmers works to build strong customer relationships

Farmers has spent almost 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to request an auto repair insurance quote. Be sure to let a Farmers agent deliver personalized service and support. You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn more about what Farmers can do for your auto service and repair shop, call an agent today.

This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.

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Mit dem Testsieger finanzieren

Immobilienbesitzer, die noch bis zu drei Jahre bei einer anderen Bank an ihren Sollzins gebunden sind, können sich jetzt die günstigen Zinsen der Sparda-Bank Münster für später sichern. Dabei spielt es keine Rolle, bei welcher Bank Sie Ihre bisherige Finanzierung abgeschlossen haben.

Mit einem Forward-Darlehen lösen Sie bei einer Fremdbank die Restschuld des alten Darlehens am Ende der Sollzinsbindung ab. Der Vorteil: Sie haben kein Zinserhöhungsrisiko, denn mit einem Forward-Darlehen vereinbaren Sie jetzt verbindlich einen Darlehensvertrag mit längerer Bereitstellung und rufen Ihr Darlehen zum gewünschten Zeitpunkt ab.

Sie finanzieren bereits mit der Sparda-Bank Münster und die Zinsfestschreibung für Ihr Darlehen läuft demnächst aus? Auch dann sollten Sie uns jetzt auf eine Zinsprolongation ansprechen.

Mit einem KfW-Darlehen günstig finanzieren

Sichern Sie sich Ihren staatlichen Zuschuss

Wussten Sie, dass der Staat Sie unter Umständen bei Ihrer Immobilienfinanzierung unterstützt? Ob beim Kauf von Wohneigentum, beim Bau des Traumhauses oder bei der Modernisierung: Die Kreditanstalt für Wiederaufbau (KfW) unterstützt viele Pläne rund um Immobilien.

Die KfW vergibt zinsgünstige Kredite für

  • den Kauf oder Bau einer selbst genutzten Immobilie,
  • den altersgerechten Umbau,
  • die energetische Sanierung,
  • die Nutzung von erneuerbaren Energien ((Photovoltaikanlage).

Ihre Vorteile auf einen Blick

  • Besonders niedrige, staatlich geförderte Sollzinsen
  • Keine Einkommensgrenzen! Jeder kann einen KfW-Kredit beantragen.
  • Wir helfen Ihnen! Sie können die KfW-Kredite über uns beantragen. Auch die Auszahlung läuft einfach und bequem über uns.

Nutzen Sie die staatlichen Förderprogramme. Wir beraten Sie. Vereinbaren Sie jetzt Ihren persönlichen Beratungstermin.

La venta móvil de comida: Entre los negocios rentables más exitosos en México – Lapicero Digital, ideas pequeños negocios rentables.

#Ideas #pequeños #negocios #rentables

ideas pequeños negocios rentables

Vender comida en la calle de manera itinerante, con equipo sobre ruedas, de una forma móvil, ambulante o como le quieras decir—haciendo uso de un puesto, un carrito de comida, un remolque o un Food Truck—se encuentra entre los pequeños negocios rentables más exitosos en el mundo entero. Hay desde quienes operan una sola unidad hasta aquellos que administran cientos de ellas. Algunos otros han logrado el éxito con ideas muy originales para luego comercializarlas a otros emprendedores por medio de franquicias. Este tipo de negocio también ha ayudado a incontables familias vulnerables y pobres a crear un empleo y generar ingresos, que de otra manera nunca hubieran podido obtener. La famosa presentadora peruana Laura Bozzo, logró su cometido de ayudar a muchas personas marginadas y sin recursos económicos, por medio de regalarles su famoso “carrito sandwichero”.

“¡Qué le traigan su carrito sandwichero!”

Esas palabras se convirtieron en una frase muy famosa. Y es que hay que admirar a esta presentadora de televisión por esta frase y principalmente por su magistral forma de ayudar, “dándole a una persona, no un pez, sino más bien las herramientas necesarias para que ella misma aprenda a pescar”. La mayoría de las personas a quiénes ayudó, han continuado ayudándose a sí mismas hasta el día de hoy, con sus negocios rentables de venta de comida. Esto habla muy bien de este tipo de negocio y de lo acertado de la forma de ayudar de esta señora, quién con un carrito de comida, logró que muchas familias—excluidas del mercado laboral bien remunerado—llegaran, no solo a ser autosuficientes, sino hasta a florecer en sentido económico.

Razón # 2

Si estás esperando reunir suficiente dinero para abrir un restaurante “normal”, probablemente tengas que esperar mucho tiempo. La alternativa es comenzar con un pequeño negocio de comida móvil. Este no solo requiere de una inversión inicial mucho más pequeña, sino que también conlleva gastos bajos de operación. En muchas ciudades y poblaciones, el costo de las rentas ha alcanzado niveles muy altos. Entre las causas por las que un restaurante “normal” fracasa, se encuentra una renta muy elevada en el lugar equivocado. Debido al bajo riesgo, la baja inversión de entrada, así como los bajos gastos de operación, el negocio de la comida móvil se ha convertido en uno de los negocios más fáciles de comenzar y con mayores posibilidades de éxito.

Ejemplos específicos de micronegocios de comida móvil que requieren una baja inversión inicial, poseen un bajo riesgo de fracasar y que además conllevan una gran probabilidad de éxito, son el negocio de las crepas, los tacos, los churros, los elotes, las marquesitas y muchos otros más. Empresarios disciplinados e industriosos han logrado amasar verdaderas fortunas con estos negocios y tu podrías ser uno de ellos.

Esto no significa que el negocio de la venta de alimentos bajo la modalidad itinerante será rentable y producirá excelentes resultados en manos de toda persona. Eso dependerá de su habilidad como empresario, su deseo de superarse, sus hábitos de trabajo y su experiencia; por nombrar solo algunos requisitos. Sin embargo, un factor determinante es la experiencia en el manejo correcto de este tipo de negocio.

Tu también puedes ayudar a otros

Cuando tú mismo hayas logrado el éxito con tu negocio de comida, nos interesará muchísimo saber como lo hiciste y que estrategia utilizaste. Ten por seguro que otros, tal vez en otra ciudad o país, también se beneficiarán de tus experiencias. Cuando eso suceda, tu mismo serás un experto y con tu ejemplo, podrás ayudar a otros a superarse. Todos estaremos muy agradecidos con esas historias, anécdotas y consejos que ayudarán a otros a hacer que sus propios negocios sean rentables y seguir adelante. Envíame aquí tu interes en que se publique un artículo o varios artículos acerca de ti y de tu empresa.

Jefatura provincial de tráfico sevilla, jefatura provincial de tráfico sevilla.

#Jefatura #provincial #de #tráfico #sevilla

Jefatura provincial de tráfico sevilla Dirección General de Tráfico Jefatura provincial de tráfico sevilla A tu lado vamos todos

Jefatura provincial de tráfico sevilla Jefatura provincial de tráfico sevilla


Datos de contacto

De lunes a viernes de 9:00 a 14:00 horas.

Esta Jefatura no abrirá sus oficinas el 24 y el 31 de diciembre.

Puede solicitarla en o a través del 060, pulse AQUÍ si desea pedir cita previa por Internet.

1. Con tarjeta de crédito o de débito en la jefatura.

2. A través de Internet con tarjeta o con cargo a cuenta, accediendo a la Sede Electrónica / Pago electrónico de tasas, con DNI electrónico o certificado electrónico en vigor.

3. Por autoliquidación del modelo 791 que se puede descargar en (o recogerlo en la jefatura), realizar el pago en un banco y finalizar el trámite en la jefatura.

No se realizarán exámenes de conducción en las siguientes fechas:

28 de febrero, 30 de mayo, 15 de septiembre y 7 de octubre.

Dirección: Valencia 42 (peatonal), esq. C/ Los Hormiga, 1; trasera de la C/ Sevilla

Teléfono: 928 539 908 – Información general: 060

Código postal: 35600 Puerto del Rosario

  • Jefatura provincial de tráfico sevilla
  • Jefatura provincial de tráfico sevilla
  • Jefatura provincial de tráfico sevilla
  • Jefatura provincial de tráfico sevilla
  • Jefatura provincial de tráfico sevilla
  • Jefatura provincial de tráfico sevilla

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Jefatura provincial de tráfico sevilla

Jefatura provincial de tráfico sevilla

Seguridad vial e información de matriculación, transferencias y bajas de vehículos y obtención y renovación del carné.

Vendita macchine utensili usate e nuove, macchine usate e nuove.

#Macchine #usate #e #nuove

Vendita macchine utensili usate e nuove

Macchine utensili usate

Macchine Utensili srl è specializzata nel commercio di macchine industriali usate per la deformazione di lamiere o l’asportazione di trucioli ed altre macchine utensili specialistiche come quelle per la lavorazione del legno.

Le macchine utensili usate che offriamo alla nostra clientela sono tutte certificate e rispondono ai criteri dettati dalla normativa 626.

Macchine utensili nuove

Macchine Utensili srl offre anche macchine utensili nuove da scegliere tra una gamma completa di possibilità offerte da marche leader nel settore della lavorazione industriale. Tra le macchine utensili nuove che proponiamo vi sono deformazione lamiere, asportazione trucioli e varie come compressori ed altre.


Macchine Utensili srl offre servizi accessori alla vendita o indipendentemente come la messa a normativa 626, i finanziamenti, il ritiro da finanziarie e da fallimenti o chiusure aziendali.

Macchine utensili usate

  • Asportazione Trucioli


Offerta del Mese

Macchine utensili nuove

  • Varie

Luciano Cell. 389.6706910

Macchine Utensili S.r.l. Sede legale: Via Miranese 258 CHIRIGNAGO (VE) 30174 ITALY

Partita Iva e Codice Fiscale 02752930277 Capitale Sociale 10.200,00 I.V. Registro Imprese di Venezia n. REA 238823

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Helles Holz im Trend, Zuhausewohnen, schlafzimmer helles holz.

#Schlafzimmer #helles #holz

Möbel und Wohnaccessoires in hellem Holz Helles Holz im Trend

Heimisches Holz liegt voll im Trend: Ahorn, Birke, Buche oder Esche haben ein frisches Image, sind lebendig und unkompliziert. Die aktuelle Farb-Auswahl reicht von aschblond über Honig bis zu Rotnuancen. Hier finden Sie die aktuellen Möbel und Wohnaccessoires in hellem Holz

EIN SEEIGEL inspirierte Designerin Wiebke Braasch zu dieser filigranen Leuchte aus Palmenblättern. Das naturbelassene Material wurde zu einer Oberfläche mit aufstrebenden Spitzen verwebt. „Väva“, Ø 53 cm, H 19,5 cm, ca. 70 Euro (Ikea PS).

SCHATZKISTE Die hochbeinige Kommode aus „weißblondem“ Birkenholz hat 16 Schubladen. „Sinka“, H 138 x B 94 x T 30 cm, ca. 250 Euro (Ikea PS).

WÜRFELSPIEL Hocker oder Beistelltisch? Kubus „c3“ aus Olivenholzfurnier kann beides. Handgefertigt, 45 x 45 cm, in verschiedenen Furnierstärken und Hölzern. Die Oberfläche ist lackversiegelt. Ab ca. 390 Euro (

AUF KLARES DESIGN setzt Programm „Elea“. Sideboards, Vitrinen, TV-Möbel, hier aus Natureiche, lassen sich frei kombinieren. Zweitüriger Schrank mit beleuchtetem Vitrinenelement, H 206 x B 110 x T 46 cm, ab ca. 2500 Euro (Hülsta).

TRADITIONELLES HANDWERK setzt bei dieser originellen Bank Maßstäbe. Sie besteht aus drei Teilen, die ohne Nägel und Schrauben stabil zusammengefügt sind. „Rasken“, klar lackierte Birke, H 59 x B 130 x T 32 cm, ca. 80 Euro (Ikea PS).

VIELFALT als Einheit. Programm „Zentro“ mit vielen Elementen lässt sich individuell zu einem stimmigen Ensemble kombinieren. Das Holz, Wildeiche, hat dank spezieller Hobelbehandlung eine reizvolle Reliefstruktur. Wie gezeigt ab ca. 4700 Euro (Musterring).

EINEN FEINEN ROTSTICH zeigt der wandhängende Dielenschrank aus Buche. Hinter der Spiegeltür verbergen sich Schuhroste. H 145 x B 150 x T 42 cm, ca. 2660 Euro (Team 7).

EINLADEND Die beiden Bänke verbindet ein pfiffiges Eckelement, das außerdem Stauraum bietet. Schön massiv: der Tisch aus Rotkernbuche. Programm „Provence“, Tisch „Nr. 60“, 100 x 200 cm, ca. 1110 Euro, Bank, komplett ab ca. 2170 Euro, Stuhl ab ca. 155 Euro (Musterring).

HELLE HOLZARTEN UND IHRE EIGENSCHAFTEN: Bergahorn war der Baum des Jahres 2009. Er liefert weißes bis gelbliches Holz. Wird massiv oder als Furnier für Möbel verwendet. Auch beliebt als Parkett.

Eiche Klassisches Möbel- und Parkettholz, hart und widerstandsfähig. Die Struktur ist gleichmäßig und kräftig, die Färbungen reichen von beige bis honiggelb.

Esche Hart, robust und sehr biegsam. Wurde früher auch zum Räderbau verwendet, heute überwiegend für Möbel, Parkett und Treppen. Färbung: gelblich bis weißgrau.

Lärche Einziger heimischer Nadelbaum, der im Herbst sein grünes Kleid abwirft. Das Holz ist hart, elastisch und witterungsfest. Für Möbel, aber auch für Fenster.

Pappel Helles, weißstichiges Holz mit markanter Maserung. Kein Massenholz: Verwendung für ausgefallene Möbel und u. a. als elegantes Furnier z. B. in Autos.

Weißbuche, auch als Hainbuche bekannt. Färbung weiß bis gräulich-weiß. Wird wegen seiner Dichte und Härte u. a. gern für Parkett verwendet. Lässt sich gut beizen.

HAPPYWOOD nennt der Hersteller seinen Bodenbelag und legt damit eine falsche Fährte. Denn hier handelt es sich um Fliesen aus Feinsteinzeug. Sie tragen das Eco-Label und bestehen zu 40 % aus recycelter Keramik. Fliesenformat 60 x 60 cm, 155 Euro/m2 (Novabell).

PANEELWAND mit Raffinesse. Durch eine neue Beschlagtechnik lässt sich das Sideboard horizontal verschieben und schafft so immer wieder andere Ansichten. Auch die Abdeckplatte ist beweglich. „WK 494 x.act“, verschiedene Hölzer, hier Paldao, wie gezeigt ca. 8430 Euro (WK).

ROTBLOND schimmert das attraktiv gemaserte Erlenholz der geräumigen Kommode. Sie bietet willkommenen Stauraum im Schlafzimmer. Elegantes Detail: Die obere der fünf Schubladen und die Griffe sind mokkabraun. Programm „Santorin“, H 91 x B 141 x T 37 cm, ab ca. 930 Euro (Musterring).

LOFT-LIFE mit rustikalen Backsteinwänden und Dielenboden. Aber stop: Was hier wie Holz aussieht, ist ein PVC-Belag. Seine natürliche Optik und Prägung, eine sympathische Haptik und Pflegeleichtigkeit lassen ihn schnell zum Liebling in einem unkomplizierten Ambiente werden. Ca. 10 Euro/m2 (Kibek).

Crear mi Empresa – Emprendedores, Ideas de Negocios y Motivación, crear negocio.

#Crear #negocio

Crear mi Empresa

Crear negocio

Crear negocioHemos hablado varias veces de crowdfunding en el blog. Dimos algunos consejos para una campaña exitosa, y también entrevistamos a una pareja de emprendedores que habían cumplido sus objetivos de financiación gracias a este método basado en pedir la ayuda de la comunidad. Pero en este post nos vamos a centrar en los tres motivos más importantes para que valores si te interesa financiar tu proyecto empresarial por crowdfunding.

Idea de negocio: conjunto de ropa de cama térmica moderna

Crear negocioAhora que estamos en invierno, en muchas casas se usa la ropa de cama térmica, que consiste de sábana bajera, sabana y juego de fundas de almohada hechas de un material similar al de la ropa polar, aunque más fino. Esos conjuntos de ropa de cama tienen como principal ventaja eliminar la sensación de contacto frío con las sabanas, pero los que se venden en la actualidad no son nada modernos, de allí la idea de fabricar modelos más actualizados.


¿Un crowdfunding de inversión inmobiliaria?

Crear negocioAhora que se está recuperando el mercado inmobiliario, seguro que hay muchas personas que se plantean invertir. Los precios de compra todavía están en precios razonables, y hay diversas formas de ganar dinero, haciendo compraventas o comprando para alquilar. Sin embargo, no todo el mundo tiene el dinero suficiente para poder comprar un bien inmobiliario, de allí la idea de montar una plataforma de crowdfunding inmobiliario. Pero no hablo de hacer lo mismo que algunas páginas existentes.

Offerte affitto, offerte affitto.

#Offerte #affitto

Offerte Affitto Jesolo

Per le tue vacanze al mare rivolgiti alla nostra agenzia, sapremo trovare la soluzione più adatta alle tue esigenze, infatti Marina immobiliare dispone di numerose offerte sugli appartamenti in affitto a Jesolo in base al periodo corrente. La caratteristica principale di queste offerte è il loro prezzo estremamente conveniente: potrai regalarti una bellissima vacanza nella bellissima città balneare di Jesolo e risparmiare sul prezzo di affitto dell’immobile.

Tutti gli appartamenti in offerta sono completamente arredati e dispongono di molti degli elettrodomestici indispensabili, come ad esempio lavatrice, aria condizionata, frigorifero e altro ancora, inoltre la loro posizione permette di raggiungere la bellissima spiaggia di Jesolo e il suo mare con una breve ma piacevole camminata. Contattaci o vieni a trovarci in agenzia, siamo sempre disponibili a rispondere a qualsiasi tuo dubbio o a fornirti tutte le informazioni necessarie per il tuo soggiorno. La città di Jesolo è famosa per la suo esteso litorale (15 chilometri) e il suo mare pulito è sicuro, nel quale, sia grandi che i più piccoli, possono godere un bagno refrigerante durante il torrido periodo estivo. I nostri appartamenti in offerta permettono ai nostri clienti di a far risparmiare sul prezzo di affitto dell’immobile, senza rinunciare ad alcun comfort.

Tutti gli appartamenti disponibili in offerta permettono di accedere facilmente sia alla spiaggia che alle principali attrazioni di Jesolo Lido, come ad esempio la via commerciale più lunga d’Europa, via Bafile, con i suoi numerosi negozi, ristornanti, bar e locali, l’Acqualandia, uno dei parchi a tema acquatico più grandi d’Italia, le famose discoteche, il luna park e molto altro. L’agenzia immobiliare Marina, con le sue soluzioni di appartamenti in affitto, vuole regalare ai suoi ospiti una vacanza al mare indimenticabile e ristoratrice, senza però rinunciare al divertimento delle molteplici iniziative della città di Jesolo, che di fatto costituiscono un valore aggiunto alla nostra offerta.

Gli immobili in offerta sono adatti per tutte le tipologie di utenza: dai singoli fino alle famiglie con bambini: in ogni caso tutte le nostre strutture sono in grado di accogliere i nostri ospiti e di farli sentire come se fossero a casa. Anche in questo caso, Marina immobiliare mette a disposizione la sua esperienza nel settore per offrire ai propri clienti una gamma di appartamenti caratterizzati da un’ampia qualità sia dell’immobile che nei servizi da esso offerti. Le ubicazioni dei nostri appartamenti vanno dalla zona Pineta di Jesolo fino al Faro, passando per le aree centrali come piazza Mazzini o piazza Aurora. Nelle offerte di affitto disponibili potrai subito vedere, nei dettagli della struttura prescelta, la sua posizione, i servizi da essa offerti, i vari supplementi, nonché una ricca galleria fotografica per osservare in particolare l’aspetto dell’immobile. Per Marina immobiliare ogni cliente è unico, ecco perché cerchiamo di offrire soluzioni più personalizzate possibili in base alle esigenze del nostro cliente.

Self-Employment Tax Software – QuickBooks Self-Employed

#self #employed #tax #help


Put more money in your pocket.

  • Send and track simple invoices
  • Separate business and personal expenses

When using bank or credit card accounts for both business and personal expenses, you’ll need to separate these transactions to get a clear idea of your business income and spending. You’ll click business or personal to indicate the transaction type and we’ll organize them for you.

  • Maximize your Schedule C

    Business expenses are automatically assigned to Schedule C categories in preparation for IRS reporting. If an assigned category doesn’t make sense, you can easily select a different category and even define a rule to handle similar transactions in the same way.


  • Quarterly estimated taxes

    Self-employed individuals generally have to make estimated tax payments on a quarterly basis if you expect to owe tax of $1,000 or more. QuickBooks Self-Employed takes into account various factors to calculate the quarterly estimated tax you owe so there’s no surprise at year-end tax time!

    calculated automatically

  • Automatic mileage tracking
  • QuickBooks
    Self-Employed Tax Bundle

    Self-Employed Tax Bundle

    Save 29% for 6 months

    • Send and track simple invoices
    • Separate business and personal expenses

    When using bank or credit card accounts for both business and personal expenses, you’ll need to separate these transactions to get a clear idea of your business income and spending. You’ll click business or personal to indicate the transaction type and we’ll organize them for you.

  • Maximize your Schedule C

    Business expenses are automatically assigned to Schedule C categories in preparation for IRS reporting. If an assigned category doesn’t make sense, you can easily select a different category and even define a rule to handle similar transactions in the same way.


  • Quarterly estimated taxes

    Self-employed individuals generally have to make estimated tax payments on a quarterly basis if you expect to owe tax of $1,000 or more. QuickBooks Self-Employed takes into account various factors to calculate the quarterly estimated tax you owe so there’s no surprise at year-end tax time!

    calculated automatically

  • Automatic mileage tracking
  • Pay quarterly estimated taxesonline

    QuickBooks Self-Employed allows you to electronically file (e-file) your quarterly tax payments to the IRS. E-filing is fast and results in less errors because you won’t have to re-enter information into your checkbook or the IRS computer system.

  • File faster byexporting Schedule C to TurboTax

    As a self-employed individual, you must report your self-employment income or loss using Schedule C. With the QuickBooks Self-Employed Tax Bundle, your Schedule C income and expenses are directly exported into TurboTax Self-Employed, eliminating manual entry.

  • One federal and one state tax returnfiling included

    The tax bundle includes QuickBooks Self-Employed and TurboTax Self-Employed. QuickBooks Self-Employed helps manage your income and expenses all year. When tax time arrives, use TurboTax to prepare and e-file your annual federal tax return and one state tax return.

  • 7 Ways To Answer A Phone Professionally – Birchills Blog

    #answering #the #phone #professionally


    7 ways To Answer A Phone Professionally


    If you have regular callers from key clients, make sure that anyone who picks up the phone is aware of your client list and important people. If you recognise someone’s voice or name, make them feel special and that you want to speak to them by asking how they are. Everyone likes the personal treatment and being regarded as special. There are companies who are a pleasure to call and some I hate. When I have a choice I will always call the nice guys.


    There are some strange callers out there. This is just a fact of life. If people use offensive or intimidating language then it is appropriate to warn them that you will disconnect the line if they carry on (and to do so).

    There is nothing personal in the way that these people behave – they are simply trying to get a reaction. They will ask questions which are impossible to answer “Do you always treat customers this badly or am I special?”, for example. The best you can do is to try and empathise with the problem, if possible.

    Take the complaint seriously, write it down and ask for help in forming the words as you go.

    Intelligent companies will have a policy allowing you to resolve the complaint if you can even if there is a cost to the company. If you cannot resolve the complaint then you can at least offer to get someone to call the complainer back, but make sure they return the call.

    Unfortunately there are times when there is a problem and the situation cannot be resolved and under these circumstances the only thing to be done is to admit the fault and remain determinedly polite.


    A first point is that everyone should have their own phone number (otherwise known as a DDI or DID) so that if a client knows who to call then they can.

    If this call isn’t answered then your system should be able to respond effectively as described below.

    If you simply put one person on the end of the main phone – then there are a lot of times when they can’t answer the phone – for instance when they are talking to your most important customer or giving directions to some one. So when your main person is engaged you need a system that allows you to respond most effectively.


    A failed transfer or being hung up on can be quite frustrating. Ensure that your staff know how to:

    • Set up the phone, so that if they can’t take the call, then the system can allow a colleague to answer – you can use call cascading or have multiple phones ring at once or you can apply different rules
    • put people in queue until answered (though most people hate this)
    • work with a live answering service so that another company answers the call on your behalf in your name.
    • set up a voicemail service which allows people to leave a message – say you will get back to people (people don’t like this either)
    • you can allow a person to answer on a mobile which is not ideal but better than missing the call.

    Life Insurance

    #variable #universal #life #insurance #policy


    Life Insurance:
    It’s more than a death benefit

    In recent years, Americans have experienced economic challenges. While some are maxing out credit cards and cashing in 401(k)s, many overlook life insurance as a potential source for emergency funds. And, few are aware of the investment features some policies offer.

    When thinking about life insurance, you should know there are two main types: term and permanent. A term life insurance policy pays if the insured dies during the term of the policy. Permanent life insurance, the type of policy that offers investment features, combines the death benefit coverage of a term policy with an investment component that can build cash value over time. Some permanent policies also include provisions for policyholders to access money immediately for any reason.

    Permanent Life Insurance Options
    Unlike term insurance, all permanent policies remain in place as long as the premium is paid. They also all have a cash value component that increases over time and allows the owner to borrow against that cash value. There are four types of permanent life insurance:

    • Whole Life Insurance
      • Offers a fixed premium for the duration of the policy, guaranteed annual cash value growth and a guaranteed death benefit.
      • Does not provide investment flexibility and, once established, you are not allowed to change the policy coverage.
    • Universal Life Insurance
      • Allows the policyholder to determine the amount and timing of premium payments (within certain limits) and to adjust coverage levels as needs change.
      • Includes guaranteed annual cash value growth but no investment flexibility.
    • Variable Life Insurance
      • Allows allocation of investment funds across stocks, bonds or money market accounts with different levels of risk and growth potential.
      • A minimum cash value is not guaranteed because of market fluctuation, and coverage amounts cannot be changed.
      • Exposes the policyholder to greater market risk, but has the potential for greater long term returns compared to whole or universal life insurance policies.
    • Variable Universal Life Insurance
      • Combination of variable and universal life insurance.
      • Offers the most flexibility (compared to other permanent life insurance options) with the ability to vary premium payments, investments and coverage amounts.
      • Allows investment in a variety of market products chosen by the policyholder, and may allow policyholders to make tax-free transfers among investments.
      • Exposes the policyholder to greater market risk than whole or universal life policies.

    There is more to think about than the death benefit when selecting life insurance. If you choose permanent life insurance, be sure to consult a licensed investment or tax advisor for guidance on which policy best fits your risk tolerance and investment objectives.

    A number of factors may affect life insurance premiums:

    • The age you purchase your policy. The older you are, the more expensive the premiums.
    • Your overall health. Life insurance companies typically ask you about your medical history, request access to medical records and even obtain blood and urine samples for testing.
    • Pre-existing and/or chronic health problems, such as diabetes, heart disease, cancer or sexually transmitted diseases may prevent you from getting life insurance or place you in a high-risk pool at greater cost.
    • Poor health habits, such as smoking and excessive drinking. Be aware that insurance companies may look back and consider these behaviors for the past five years.
    • Engaging in dangerous hobbies, such as skydiving, skiing or rock climbing
    • Your driving record, in terms of accidents, DWI/DUI citations, claims and tickets. The better your driving record, the better rates you ll receive for your life insurance.
    • Your geographic area. Life insurance companies have access to regional data that document mortality rates and life expectancy, and they use that data to calculate the rates they offer.

    Some of these factors are in your control. Others are a function of your genetics, occupation or location. Either way, it s important for you to be educated on these issues so that you can make the best insurance decisions to fit your life.

    Read the fine print. Look carefully at the annuity you are considering. Check the interest rate, find out how quickly the annuity will grow in value and when you can reap its benefits. Some annuity rates can change over time, so make sure that you understand the difference between the guaranteed minimum rate, the current rate and any first-year or so called bonus rates. Also make sure you know whether the annuity is tax-deferred, meaning that you will not have to pay taxes until you receive payments from the annuity.

    Try before you buy. Many states have free look laws that give you a set number of days typically 30 to 60 days to review an annuity contract after you buy it. You can back out of the contract at any time within the free-look period; a refund is required to be issued within an allotted time period, as stated in your contract. Take advantage of this review period to make sure you understand what you are purchasing.

    Don t get caught by surrender charges. Withdrawing your money from an annuity before it has matured might subject you to fees, known as surrender charges, as well as other administrative fees and acquisition costs. There could be high penalties if you make a withdrawal prior to the maturation date provided in the policy. Be sure you are aware of these provisions so that you don t inadvertently incur such costs.

    Don t judge a financial professional by title alone. Designations such as certified senior adviser, certified retirement financial adviser, chartered senior financial planner and certified financial gerontologist, might seem to imply expertise in providing investment advice to senior citizens. However, such titles don t always guarantee that the financial professional actually has specialized knowledge or education in that area. Ask them what the designations mean to them and what they had to do to earn them. Ask them if they have ever lost or given up a designation and, if so, why.

    Ask for help. Many people have been harmed by annuity scams. If you are concerned that you might have been misled by a fake company or fraudulently sold a misrepresented product, call your state insurance department to get assistance and/or to file a complaint. You can file a complaint directly with your state insurance department via the NAIC s Web site at

    Check the insurance company s credit rating. Through resources such as Standard Poor s, A.M. Best Co. or Moody s Investors Services, you can see whether the annuity company you are considering has a solid credit rating. An A& or AAA rating is a sign of strong financial stability.

    Check the NAIC s Consumer Information Source (CIS). The NAIC provides a database for consumers to research an insurance company s financial information and complaint data. The information in the CIS is supplied voluntarily by state insurance departments. Not all states provide the data, nor are all companies listed within the directory.


    Automobile Legal Forms – US Legal Forms

    #automobile #attorney


    USLegal Forms

    Automobile Forms

    How Automobile Forms Keep Your Car on the Road

    Automobiles are subject to state and federal laws which vary from one state to another. Automobile forms also vary according to purpose and nature of forms. There are different types of legal forms for automobile sales or transfers, auto dealer supplies/car dealer supplies, after sale services, safety standards, warranties, accidents and repairs.

    Buying a Car

    A person may either lease an automobile or buy a new one from a car dealer. Automobile lease agreements are used when an automobile is leased. Usually, automobiles are leased by paying monthly installments to a financing company. Breach of a lease agreement enables the financing company repossession of the leased vehicle. Even though automobile leasing saves huge amounts on buying vehicles, insurance rates are usually higher for leased motor cars.

    At the time of sale of an auto, an invoice/bill called bill of sale is prepared. In an automobile bill of sale the seller ensures that the automobile is free of all claims. Bill of sale forms will contain information such as title of the vehicle, model of the car, VIN number, and guarantee details. Along with a bill of sale form, an Odometer Disclosure Statement signed by a notary public is also prepared. A vehicle bill of sale shows warranty of title as is and valid proof of purchase.

    For people who are not able to afford a new car, investment in a used car is the best solution. One can purchase a used vehicle for less than half the price of a new car from used car dealers. However, a used car should be purchased only after a thorough inspection and after verification of the inspection check list.

    Auto dealers are persons or entities who sell the vehicles manufactured by the manufacturers. Any person or entity operating under the terms of dealerships or franchise and engaged in the sale or distribution of automobiles is an auto dealer. A manufacturer and dealer enters into legal contracts called dealership agreements.

    Vehicle Law

    Legislation that provides compensation to a purchaser of an automobile that repeatedly fails to meet quality and performance standards is known as the Lemon law. Lemon law forms deal with issues that may have an effect on the legal rights and obligations of the parties in a defective automobile.

    State laws govern automobile accidents and liability auto insurance that individuals must take in order to lawfully operate a motor vehicle. Persons who fail to maintain liability insurance and who causes accidents are personally liable. Automobile liability insurance policy generally consists of bodily injury liability, personal injury protection collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage. If or when one is injured in a motor vehicle accident s/he can claim compensation by filing a personal injury claim form with the insurer.

    Other types of automobile agreements such as towing agreements, agreements for licensing and registration of recreational vehicles and parking agreements vary from state to state. Since state laws and legal forms differ, while entering into such agreements, local laws are usually applied and adhered to. Recreational vehicles are motor vehicles used for recreation or pleasure. For operating recreational vehicles, licensing and registration is required. The towing industry is a fast growing industry in the United States. A tow truck is used to move motor vehicles from one location to another particularly in the case of breakdowns or collisions.

    Automobile Forms FAQs

    What kind of paperwork will I need to buy a new car?

    When buying a car, whether new or used from a car dealer, you will have to deal with various legal forms involved in the transfer/sale of an auto. Some of these forms will govern areas like auto dealer supplies and after sale services. They may also cover warranties with regard to repair or accidents.

    Can you tell me what an automobile bill of sale is?

    A vehicle bill of sale form is a document that is prepared for the sale of a motor vehicle. It serves as an invoice by the auto dealer/seller and it frees the vehicle of all future claims. Bill of sale forms contain all relevant information regarding the sale transaction including the vehicle’s title, model make and VIN number. They also contain all the guarantee details accompanying the vehicle. A notary public signed Odometer Disclosure Statement may also be part of the bill of sale package. A Vehicle bill of sale in effect is a legal proof of purchase and demonstrates warranty of title as is.

    What is an automobile lease agreement?

    Automobile dealerships allow you to either buy a vehicle outright or give you the option to lease one. If it is a car you are looking for, entering into a lease with a car dealer allows you the use of one by the payment of monthly installments to a car financing company. You might end up paying higher auto insurance rates for your leased vehicle, but it makes business sense as you do not have to pay a large amount for the actual purchase of the car upfront. However, if you default on the payments due on the vehicle, which in essence is a breach of the auto lease agreement, the vehicle may be liable to repossession by the financing company.

    If I want to buy a used car, whom should I buy it from?

    Buying a used car is a good idea if you do not want to invest in a new car. However, it is important that you approach a reputed auto dealer, who is a person/entity authorized by the car manufacturer to sell its vehicles. When buying from used car dealers, make sure that the used vehicle has been thoroughly inspected. Also verify the inspection checklist to make sure that the vehicle you are buying has no major defects or problems.

    What is the Lemon Law?

    Sometimes things go wrong with the best of products, and automobiles are no exception. You may find that the automobile you have purchased has quality issues and does not live up to the performance standards it had promised. You need not lose heart. Legislation exists to protect your rights as a purchaser of a defective automobile. This is called the Lemon Law. Lemon laws govern the rights and responsibilities of the buyers and sellers involved in the sale of a defective vehicle.

    What is the kind of insurance is required to operate a vehicle?

    Automobile accidents are a potential risk borne by the vehicle drivers and hence state laws mandate that vehicle owners/drivers buy liability auto insurance in order to legally operate a motor vehicle. Owning a personal liability insurance policy will cover you on areas of personal injury protection, and offer you comprehensive collision coverage. If you do not buy auto insurance, and in the unfortunate case of an accident or collision, you will be personally liable for the damage caused to the vehicle/vehicles involved.

    Can you tell me what other kinds of auto agreements exist?

    Towing and parking agreements are the other commonly used auto agreements. These differ from state to state and legal forms pertaining to them are subject to local laws. Registration and licensing for recreational vehicles is another area governed by auto agreements.

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    Regole Donazione del sangue, ogni quanti mesi si può donare il sangue.

    #Ogni #quanti #mesi #si #può #donare #il #sangue

    Regole Donazione del sangue

    Scritto da Super User. Postato in news

    • Chi vuole donare il sangue deve avere un’età compresa fra i 18 e i 65 anni.
    • Possono donare sangue e plasma i soggetti di peso non inferiore a 50 kg.
    • La pressione arteriosa sistolica deve essere compresa tra 110 e 180 mmHg e la pressione arteriosa diastolica tra 60 e 100 mmHg.
    • Il polso deve essere ritmico, regolare e le pulsazioni comprese tra 50 e 100/min.
    • Chi pratica allenamenti sportivi intensi può essere accettato anche con frequenza cardiaca inferiore.

    Ogni quanti mesi si può donare il sangue?

    • I soggetti di sesso maschile possono donare fino a quattro volte l’anno con intervalli minimi di 90 giorni.
    • Le donne, in età fertile, fino ad un massimo di due volte l’anno, anche loro con intervallo minimo di 90 giorni.
    • Le donne non possono donare da due giorni prima del ciclo mestruale fino al quinto giorno dopo la fine del ciclo stesso.

    Chi non può donare il sangue?

    • malattie autoimmuni (esclusa malattia celiaca in trattamento dietetico adeguato);
    • malattie cardiovascolari (donatori con affezioni cardiovascolari in atto o pregresse ad accezione di anomalie congenite completamente curate);
    • malattie organiche del sistema nervoso centrale SNC (antecedenti di gravi malattie organiche del SNC);
    • neoplasie o malattie maligne (eccetto cancro in situ con guarigione completa);
    • malattie emorragiche (candidati donatori con antecedenti di coagulopatia congenita o acquisita);
    • crisi di svenimenti o convulsioni; affezioni gastrointestinali, epatiche, urogenitali, ematologiche, immunologiche, renali, metaboliche o respiratorie (candidati donatori con grave affezione attiva, cronica o recidivante);
    • epatite B, epatite C, epatite infettiva ad eziologia indeterminata, sieropositività per HIV, sifilide, babesiosi, lebbra, kala azar (leishmaniosi viscerale), tripanosoma Cruzi (malattia di Chagas);
    • malattia di Creutzfeldt-Jacob (candidati donatori che hanno soggiornato per più di 6 mesi cumulativi nel Regno Unito, dal 1980 al 1996; candidati che hanno ricevuto trasfusioni nel Regno Unito, dal 1980);
    • assunzione di ormoni ipofisari di origine umana (ormone della crescita o gonadotropine);
    • trapianto di cornea e/o dura madre; instabilità mentale; alcoolismo cronico; riceventi di xenotrapianti; assunzione di sostanze farmacologiche non prescritte (sostanze farmacologiche per via intramuscolare o endovenosa; stupefacenti; steroidi od ormoni a scopo di culturismo);
    • comportamento sessuale a rischio (candidati donatori il cui comportamento sessuale li espone ad alto rischio di contrarre gravi malattie infettive trasmissibili con il sangue).
    • per 2 settimane a decorrere dalla data della completa guarigione clinica di malattie infettive, affezioni di tipo influenzale e febbre maggiore di 38°C;
    • per 5 giorni dall’assunzione di farmaci antinfiammatori;
    • in caso di cure odontoiatriche: esclusione per 48 ore per cure di minore entità da parte di dentista o odontoigienista; esclusione per 1 settimana dopo estrazione, devitalizzazione ed interventi analoghi;
    • per 1 settimana da intervento chirurgico minore;
    • per 1 anno dopo il parto; allergie a farmaci (dopo l’ultima esposizione con particolare riguardo per la penicillina);
    • per 4 mesi dall’ultima esposizione a rischio per: esame endoscopico con strumenti flessibili; spruzzo delle mucose con sangue o lesioni da ago; trasfusioni di emocomponenti o somministrazione di emoderivati; trapianto di tessuti o cellule di origine umana; tatuaggi o body piercing; agopuntura (se non eseguita da professionisti qualificati con ago “usa e getta”); persone a rischio dovuto a stretto contatto domestico con persone affette da epatite B; rapporti sessuali occasionali a rischio di trasmissione di malattie infettive; rapporti sessuali con persone infette o a rischio di infezione da HBV, HCV, HIV; intervento chirurgico maggiore;
    • per 3 mesi dal rientro da viaggi in zone endemiche per malattie tropicali;
    • in caso di vaccinazioni: 4 settimane per vaccini preparati con virus o batteri vivi attenuati; 48 ore per tutti gli altri tipi di vaccini;
    • per 5 anni dopo la guarigione di glomerulonefrite acuta;
    • per 2 anni dopo la guarigione di brucellosi, osteomielite, febbre Q, tubercolosi e febbre reumatica (in assenza di cardiopatia cronica);
    • per 6 mesi dopo la guarigione di: toxoplasmosi, mononucleosi infettiva, M. di Lyme e interruzione di gravidanza;
    • in caso di terapie: rinvio per un periodo variabile di tempo secondo il principio attivo dei medicinali prescritti (es.: tetracicline: 30 gg., terapie cortisoniche: 15 gg.) e comunque considerando la malattia di base;
    • in caso di malaria: esclusione dalla donazione di sangue intero per chi è vissuto in zona malarica nei primi 5 anni di vita o per 5 anni consecutivi di vita; emazie e piastrine per i 3 anni successivamente al ritorno dell’ultima visita in zona endemica a condizione che la persona resti asintomatica; è ammessa però la donazione di plasma, possono essere ammessi alla sola donazione di plasma anche gli individui con pregressa malaria 6 mesi dopo aver lasciato la zona di endemia e visitatori asintomatici di zone endemiche;
    • in caso di Virus del Nilo Occidentale (WNV): 28 giorni dopo la risoluzione dei sintomi nel caso in cui il donatore abbia contratto tale infezione oppure 28 giorni dopo aver lasciato una zona con casi di malattia nell’uomo nell’anno in corso nei periodi di endemia.

    Prevenzione della trasmissione per trasfusione dell’infezione da West Nile Virus


    A decorrere dal 1° dicembre sono sospesi sul territorio nazionale tutti i provvedimenti finalizzati alla prevenzione della trasmissione trasfusionale dell’infezione da WNV, consistenti nella sospensione per 28 giorni dei donatori con anamnesi positiva per aver soggiornato nelle province indicate per la stagione estivo-autunnale 2014.

    A partire dalla stessa data sono sospesi i provvedimenti relativi ai territori esteri ricompresi nelle segnalazioni dello stesso periodo estivo-autunnale, ad eccezione di Stati Uniti e Canada.

    Il Centro Nazionale Sangue ha definito le misure atte ad evitare la trasmissione per trasfusione dell’infezione da West Nile Virus (WNV), di cui sono portatori alcuni ceppi di zanzare.

    Tra le altre, è previsa la misura della sospensione temporanea dalla donazione sangue per 28 giorni (a decorrere dal giorno di uscita dalla zona indicata) per i donatori che abbiano soggiornato anche solo una notte nelle seguenti aree (aggiornamento al 18 settembre 2014):

    • Stati Uniti d’America (la misura è valida per tutto l’anno)
    • Canada (la misura è valida per tutto l’anno)
    • Bosnia Erzegovina (dal 1° luglio al 30 novembre)
    • provincia di Parma
    • provincia di Brescia
    • provincia di Bologna
    • provincia di Vicenza
    • provincia di Reggio Emilia
    • provincia di Udine
    • provincia di Modena
    • provincia di Lodi
    • provincia di Olbia – Tempio Pausania
    • provincia di Mantova
    • provincia di Ferrara
    • provincia di Piacenza
    • provincia di Verona
    • provincia di Cremona
    • provincia di Rovigo
    • provincia di Bergamo
    • Grecia (regione Attica)
    • provincia di Pavia
    • Austria
    • Romania
    • provincia di Milano
    • Monza Brianza
    • Israele
    • Ungheria
    • provincia di Alessandria
    • provincia di Ravenna

    Associazione Donatori Sangue LE SELVE

    00166 Roma – Largo Ines Bedeschi, 7 – Cell. 3314139885 – 3332014483 – 3338900734

    C. F. 97679820585

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    Assicurazione Autocarro Economica? Ecco le Più Economiche, risparmio assicurazione.

    #Risparmio #assicurazione

    Come trovare unassicurazione autocarro economica?

    Indice dei Contenuti

    Sappiamo bene come tagliare i costi in unattività imprenditoriale di qualsiasi tipo sia spesso una necessità, oltre che una strategia vincente dal punto di vista degli affari. È possibile trovare unassicurazione autocarro economica ma che garantisca il massimo della qualità e della copertura assicurativa? La risposta per fortuna è sì:è sufficiente seguire i consigli che seguono.

    Assicurazioni economiche: la migliore risposta è sempre online?

    Uno dei metodi più efficaci per trovare lassicurazione più conveniente per autocarro è quello di rivolgersi al mercato delle assicurazioni online. Infatti con la garanzia delle medesime coperture assicurative e con la massima qualità offerta dalle assicurazioni tradizionali, assicurare un veicolo in rete può essere molto più vantaggioso dal punto di vista economico.

    Questo avviene perché lassicurazione può risparmiare sui costi di gestione che dovrebbe sostenere per avere una rete fisica di sportelli assicurativi e sul minore impiego di personale, rivolgendo quindi parte di questo risparmio anche allassicurato finale. Inoltre le assicurazioni online garantiscono la stessa (e talvolta superiore) assistenza delle compagnie tradizionali, garantendo quindi unassicurazione autocarro economica ma di alta qualità sia per lassistenza sia per le coperture assicurative offerte.

    Calcolo Preventivi Gratuito

    Il preventivo: a chi rivolgersi per risparmiare?

    Il preventivo è il punto di partenza per confrontare tra loro le assicurazioni ed individuare quindi lassicurazione più economica per lautocarro. Esistono però tre modi diversi per ottenere i preventivi; vediamo quali sono e quali sono i vantaggi e gli svantaggi che offre ognuno di questi metodi.

    Rivolgersi ad unassicurazione tradizionale

    Il primo metodo per ottenere un preventivo per unassicurazione autocarro è quello di rivolgersi alla filiale di unassicurazione, ad un agente o ad un broker assicurativo. Nella migliore delle ipotesi si otterranno al massimo due o tre preventivi diversi, ma ciò che è più svantaggioso di questa modalità di ottenere dei preventivi, è il tempo necessario per recarsi fisicamente presso le diverse compagnie assicurative o per ricevere broker o agenti presso la propria sede. Confrontare tra loro dei preventivi diventa quindi unattività piuttosto complessa, che spesso potrebbe portare ad accontentarsi del primo o del secondo preventivo, perdendo così la possibilità di avere davvero unassicurazione autocarro più conveniente rispetto a quelle delle quali ci è serviti fino a questo momento.

    Navigare sui siti delle compagnie assicurative

    Il secondo modo per ottenere diversi preventivi consiste nel navigare sul maggior numero possibile di siti delle compagnie di assicurazioni. Prima di partire con questo metodo vi consigliamo di fare una lista (magari aiutati da un motore di ricerca) delle compagnie più famose che offrono anche assicurazioni per autocarri (non tutte le assicurazioni hanno a disposizione anche questa tipologia di prodotti). Una volta individuate le compagnie che fanno al caso vostro, procedete con linserimento dei dati che servono per avere un preventivo, avendo cura di utilizzare sempre le stesse informazioni e di scegliere le stesse opzioni, nel caso in cui siano presenti diverse possibilità di scelta.

    Questo metodo è sicuramente funzionale al vostro scopo di trovare assicurazioni autocarro economiche nonostante richieda comunque un investimento di tempo per inserire più e più volte i dati dellautocarro.

    I comparatori di polizze assicurative online

    Il terzo ed ultimo metodo che vi consigliamo per individuare lassicurazione autocarro più economica è un po più veloce dei precedenti e consiste nellutilizzare un sito per la comparazione delle assicurazioni. Questo tipo di sito in pochi minuti di solito restituisce fornisce un numero più o meno elevato di preventivi (il numero dipende dal sito stesso e dalle caratteristiche dellassicurazione che si desidera), con polizze personalizzabili in base alle esigenze di ognuno. Scegliendo questo tipo di preventivo, lassicurato dovrà inserire una volta sola i dati dellautocarro allinizio della ricerca, e sarà quindi il sito a trovare i preventivi per le richieste inserite. Il vantaggio di questa modalità è che per il confronto dei preventivi vengono utilizzate a volte anche compagnie non molto conosciute, che potrebbero non essere incluse nelle ricerche dei due metodi descritti in precedenza. Lo svantaggio deriva invece dalle compagnie che vengono utilizzate per il paragone, in quanto non è detto che comprendano sempre anche quelle che permettono un risparmio maggiore.

    Attenzione ai parametri inseriti

    Qualsiasi sia il metodo scelto per individuare lassicurazione autocarro conveniente, vi consigliamo di prestare la massima attenzione ai parametri inseriti nei preventivi. Infatti, prima di effettuare un qualsiasi preventivo, sarebbe consigliato capire quali sono le coperture assicurative di cui non si può fare a meno e quai invece sono davvero accessorie. Una volta individuati questi parametri, è consigliato utilizzarli per tutti i preventivi, in modo da avere un confronto tra polizze assicurative che corrisponda davvero alle proprie esigenze e che sia veritiero fino in fondo. Se ad esempio si ha la necessità di assicurare anche terze persone trasportate sul veicolo, come avviene ad esempio nel caso in cui la tipologia di lavoro renda necessaria la presenza di più persone, è bene selezionare sempre questa copertura, che di norma non viene fornita in automatico alla stipula del preventivo stesso.

    Planner 5D – Home & Interior Design for Windows 10 Download, interior planner.

    #Interior #planner

    Interior planner Planner 5D – Home & Interior Design for Windows 10



    Interior planner

    Interior plannerInterior plannerInterior plannerInterior plannerInterior plannerInterior plannerInterior plannerInterior plannerInterior plannerInterior planner

    Put your architectural ideas into practice with the help of this fun app that allows you to manipulate both the interior and exterior of your dream house

    Moving into a new house can be quite an enthralling experience since you have the possibility of giving it exactly the feel you image would best fit your personality. And while there are professionals who can do that for you, it never hurts to come up with your own suggestions.

    An application such as Planner 5D – Home & Interior Design offers to help you in this regard, enabling you to create eye-catching designs you could use as a starting point for your own home.

    Fun and approachable home designer

    First of all, you need to know that this is a Store app addressed exclusively at Windows 10 computers, so you should not try to run it on any other OS version.

    Other than that, there is no need to worry, since the program comes with an approachable user interface that lets you explore your design skills.

    Packs a rich set of interior and exterior design items

    The program provides you with a rich library you can browse through in order to find out what your home would look like in a multitude of scenarios.

    The program includes a rich library letting you customize both the interior and exterior of a home whose rooms you get to adjust to your own liking and visualize both in 2D and 3D.

    You can exercise your imagination and choose the windows, doors, partitions, stairs, columns, gates, fences, and roofs that seem to resemble the ideal you have in mind.

    Lets you set the mood of the rooms as well

    As for the interior, all sorts of furniture can be selected, with beds, tables, chairs, curtains, blinds, rugs of all shapes and sizes being available. Even electrical appliances, toys, plants, musical instruments, and people can be added to your simulation in order to make it look as realistic as possible and inspire you in your design quest.

    Regarding the exterior, plants, pools, garages, and more can personalize your project, with the number of choices being quite admirable.

    In any case, once you consider your project complete, you can take a snapshot and store it in case you want to explore it later on. What's more, you can save it to your PC as an image.

    Intuitive Store app packing a rich catalog

    On an ending note, Planner 5D – Home & Interior Design is a fun tool for users who want to start materializing their architectural ideas. It allows you to create great simulations, providing you with a generous tool set.

    Home, Sacksteder – s Interiors, home interiors decor.

    #Home #interiors #decor

    home interiors decor

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    Sacksteder’s Interiors has been serving the Greater Cincinnati area for over 28 years as your one-stop shop for interior design and déco. We specialize in home staging, holiday decorations, interior design services, artwork, furniture and more. We also offer in-home interior design services, room and space planning, kitchen and bathroom design, decorating for large-scale renovations, paint palette consultations, exterior and interior designing, unique furniture, custom drapery and commercial interior designing.

    We carry furnishings from Hooker Furniture, Bernhardt, Sherrill, England and Rowe, along with an unbelievable assortment of uttermost accessories, lighting, artwork, silk floral arrangements and permanent botanical flower arrangements that we custom design to meet any decor needs that you may have for your home or office. Our furniture offerings include spectacular tables, chairs, beds, bed frames, lamps, chandeliers, couches and more. Our Greater Cincinnati Interior Designers serve all of the tri-state area, including Mason, West Chester, and more. Were a furniture store with full-service interior design consulting. At Sacksteders, we help you every step of the way!!

    With two Greater Cincinnati locations including New Trenton, Indiana, and Old Montgomery, owner and interior designer, Karen Sacksteder and her team of seasoned professionals will work with your budget and style to help create a fresh space in your home that is one-of-a-kind, while reflecting your personal taste and style.

    Home interiors decor

    Formation à distance d – architecture et décoration d – intérieur, décoration d intérieur formation.

    #Décoration #d #intérieur #formation

    L'École Nationale du Bâtiment est une école spécialisée

    dans l'enseignement professionnel à distance

    en architecture d'intérieur ou en décoration.

    L’école à distance en 3 points

    Vous aimez le Design, l'Architecture, la Décoration,…vous cherchez un métier dans le secteur de la création et de la conception. Vous souhaitez devenir Architecte d'intérieur, Décorateur ? Alors faites de votre passion, votre futur métier !

    Grâce à l'Ecole Nationale Du Bâtiment, vous avez l'opportunité de suivre une formation professionnelle, chez vous, à votre rythme, dans un domaine en pleine évolution, qui recrute de plus en plus. La force de notre enseignement à distance repose sur 3 axes et autant d'atouts qui vous rendront rapidement opérationnel sur le marché du travail et dans le monde de l'architecture d'intérieur ou de la décoration :

    Une école spécialisée dédiée à l'architecture d'intérieur

    La mission de l'Ecole Nationale du Bâtiment consiste exclusivement à vous accompagner efficacement tout au long de vos études, afin que celles-ci se déroulent de la meilleure manière possible. Pour cela, nous avons fait le choix de n'enseigner qu'une seule discipline : l'Architecture d'intérieur, et de manière plus générale, les formations aux métiers concernant le cadre de vie, le design et l'habitat.

    Des formations efficaces

    La valeur d'un enseignement se reconnait avant tout par la qualité et les compétences de ses professeurs, c'est pourquoi le corps professoral de l'Ecole Nationale du Bâtiment est composé exclusivement d'architectes diplômés par l'Etat, ayant également l'expérience professionnelle et le savoir-faire d'un pédagogue à distance, toujours à l'écoute pour répondre à vos questions. Notre priorité est de toujours vous apporter un suivi réactif et personnalisé.

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    Une action de formation nécessite de la part de l'élève quelques concessions en temps, en énergie, en concentration mais également quelques efforts sur le plan financier. C'est pourquoi, l'Ecole Nationale du Bâtiment met un point d'honneur à rendre ses formations accessibles au plus grand nombre, de manière à ce que l'aspect financier ne soit plus jamais un critère de sélection. Vous pouvez, ainsi, bénéficier des services d'une grande école d'architecture, sans en payer le prix fort.

    Formation architecte d'intérieur : 2980€

    Formation décorateur, décoratrice : 1480€

    Fiches de formations

    Vous êtes intéressés par l’architecture intérieure ? Téléchargez ces extraits de cours, témoins de la qualité des formations proposées par l’ENDB

    Reddito di cittadinanza, che cosa prevede la proposta dell – M5s: requisiti, cifre, costi e coperture – Il Fatto Quotidiano, che cosa e il reddito di cittadinanza.

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    Reddito di cittadinanza, che cosa prevede la proposta dellM5s: requisiti, cifre, costi e coperture

    Ogni beneficiario dovrebbe iscriversi ai Centri per l’impiego e accettare una delle prime tre proposte che gli verranno offerte. Il sussidio non arriverebbe subito ma, come chiarito da Di Maio, “entro il primo anno di governo”. E sarebbe pari alla differenza tra il reddito mensile e 780 euro per un single. Il tetto varia a seconda della composizione della famiglia: due adulti con due figli otterrebbero al massimo 1.638 euro al mese

    Non sarebbe unalternativa al lavoro, perché ogni beneficiario dovrebbe iscriversi ai Centri per limpiego e accettare una delle prime tre proposte che gli verranno offerte. Anche per questo non arriverebbe subito ma, come chiarito da Luigi Di Maio a Porta a Porta qualche giorno fa, entro il primo anno di governo&: prima bisognerebbe riformare i vecchi uffici di collocamento e renderli efficienti nel far incontrare domanda e offerta. Infine, non garantirebbe a tutti 780 euro al mese: quella cifra è il tetto massimo e a riceverla sarebbero solo gli adulti single che non hanno alcuna altra entrata. Chi ha già un reddito avrebbe diritto solo alla differenza tra quello che guadagna ogni mese e i 780 euro. Sono questi i cardini del reddito di cittadinanza proposto dal Movimento 5 Stelle, che prima di inserirlo nel suo programma elettorale ha presentato già nel 2013 un disegno di legge ad hoc, a prima firma Nunzia Catalfo.

    Le cifre: 780 euro massimi per un single, fino a 1.638 euro per una coppia con due figli Il reddito di cittadinanza si può definire reddito minimo garantito& o condizionato&: è un trasferimento pari appunto alla differenza tra una soglia di povertà calcolata come il 60% del reddito mediano netto in Italia 780 euro e il reddito familiare. Il beneficio massimo varia a seconda della composizione del nucleo: un single avrebbe diritto a un massimo di 9.360 euro lanno, due adulti senza figli riceverebbero fino a 1.170 euro al mese (14.040 euro annui), un adulto con un figlio minore di 14 anni fino a 1.014 euro al mese (12.168 euro lanno), due adulti con due figli sotto i 14 anni otterrebbero al massimo 1.638 euro al mese (19.656 euro lanno), due adulti con tre figli fino a 22.464 euro lanno e così via. Secondo la simulazione fatta dagli economisti Massimo Baldini e Francesco Daveri su, tenendo conto dei redditi delle famiglie italiane il trasferimento medio sarebbe di 480 euro al mese per ogni nucleo. Che è anche lammontare massimo (per i nuclei di 65 o più persone) del sussidio contro la povertà attualmente in vigore in Italia, il Reddito di inclusione varato dal governo Renzi e entrato in vigore da gennaio 2018.

    Requisiti: iscrizione al Centro per limpiego, accettazione delle proposte di lavoro congrue& In base al ddl Catalfo bisogna avere più di 18 anni, essere disoccupati o inattivi, percepire un reddito o una pensione sotto la soglia dei 780 euro. Occorre poi rendersi disponibili a lavorare e iscriversi ai Centri per l’Impiego pubblici (esonerati le madri o i padri con figli minori di 3 anni, i disabili e i pensionati) e iniziare un percorso di ricerca attiva di unoccupazione, frequentando corsi di formazione e facendo colloqui con gli operatori dei centri. Nel frattempo si dovrà contribuire a progetti sociali del suo Comune per 8 ore alla settimana. Fondamentale, infine, la disponibilità effettiva ad accettare un posto: perderà il reddito chi rifiuta, nell’arco di tempo riferito al periodo di disoccupazione, più di tre proposte di impiego ritenute congrue& e anche chi sostiene più di tre colloqui di selezione con palese volontà di ottenere esito negativo, accertata dal responsabile del centro per l’impiego&. Verrà considerata congrua una proposta attinente alle propensioni, agli interessi e alle competenze acquisite dal beneficiario in ambito formale, non formale e informale, certificate nel corso del colloquio di orientamento& e remunerata con una retribuzione oraria maggiore o uguale all’80 per cento di quella riferita alle mansioni di provenienza se la retribuzione mensile di provenienza non supera l’importo di 3.000 euro lordi&. Perderà il reddito anche chi si licenzia senza giusta causa per due volte in un anno.

    Costi e coperture: i conti di Istat e Secondo l’Istat la misura costa 14,8 miliardi. Gli economisti Baldini e Daveri su hanno contestato questa stima calcolando che il costo effettivo sarebbe di 28,7 miliardi. Questo perché, è la loro argomentazione, lIstat fa finta& che le famiglie italiane proprietarie della casa in cui vivono (la maggioranza) ricevano ogni mese lequivalente dellaffitto che otterrebbero se la mettessero sul mercato. In questo modo il loro reddito risulta più alto di quanto è in realtà e cala il sussidio che riceverebbero dallo Stato in caso di varo del reddito di cittadinanza.

    LM5s nel suo programma ha ipotizzato di poter trovare coperture per un totale di oltre 20 miliardi, ma molte voci appaiono sovrastimate. Appare difficile ridurre ogni anno di ulteriori 2,5 miliardi le spese per acquisti della pubblica amministrazione grazie alla centrale unica Consip e ottenerne altri 5 complessivi da una serie di misure come il divieto di cumulo pensionistico tra redditi di lavoro autonomo e dipendente(che scontenterebbe chiunque abbia versato i contributi), tagli a organi costituzionali e abolizione dei dividendi versati dalla Banca d’Italia (sono solo 340 milioni l’anno). Ridurre di 5 miliardi le detrazioni sui redditi più alti equivarrebbe poi, di fatto, ad aumentare la pressione fiscale. Il resto dovrebbe arrivare dalla riduzione della percentuale di deducibilità degli interessi passivi per banche ed assicurazioni (2 miliardi), dall’aumento delle royalty pagate dalle multinazionali degli idrocarburi (1,5 miliardi) e da maggiori tasse sul gioco d’azzardo (1 miliardo).

    La teoria di Tridico: si può pagarlo in deficit Il Movimento sostiene comunque che il reddito di cittadinanza tende a ripagarsi da solo sia in ragione degli spazi che apre ai consumi sia perché ci sosterrebbe nel dibattito con la Ue circa una revisione del nostro Pil potenziale, dell’output gap e dunque in merito ai più ampi margini finanziari utilizzabili persino a regole invariate&. La teoria, sviluppata dalleconomista Pasquale Tridico indicato da Di Maio come ministro del Lavoro di un eventuale governo pentastellato è che lobbligo di iscrizione ai centri per limpiego farebbe salire il tasso di partecipazione al lavoro e questo aumenterebbe le stime del pil potenziale dellItalia. Che è quello che lItalia potrebbe raggiungere al netto di crisi economica e circostanze eccezionali. E in base al quale la Commissione Ue calcola il deficit strutturale dei Paesi membri e di conseguenza gli aggiustamenti& richiesti. La tesi di Tridico è che con più persone attive il pil potenziale sarebbe più ampio e lItalia potrebbe fare ogni anno più deficit, coprendo in quel modo i costi del reddito di cittadinanza.

    Prima di continuare

    Se sei qui è evidente che apprezzi il nostro giornalismo. Come sai un numero sempre più grande di persone legge senza dover pagare nulla. L’abbiamo deciso perché siamo convinti che tutti i cittadini debbano poter ricevere un’informazione libera ed indipendente.

    Purtroppo il tipo di giornalismo che cerchiamo di offrirti richiede tempo e molto denaro. I ricavi della pubblicità ci aiutano a pagare tutti i collaboratori necessari per garantire sempre lo standard di informazione che amiamo, ma non sono sufficienti per coprire i costi de

    Se ci leggi e ti piace quello che leggi puoi aiutarci a continuare il nostro lavoro per il prezzo di un cappuccino alla settimana.

    Location Voiture Reunion Aeroport ECOLOC: 15 euros, assurance voiture.

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    • Toutefois, en cas daccident avec responsabilitй, une franchise de 150 € sera appliquйe ( 760 € pour le Zafira 7 pl., le Toyota Verso 7 pl. et le Trafic 9 pl).
    • La date de retour portйe sur le contrat ne peut кtre prolongйe quavec notre accord, le locataire en dйpassement non autorisй n’йtant pas assurй.
    • Les dйtails pour la livraison et restitution а l’aйroport, vous sont donnйs а la confirmation de la rйservation.


    • Paiement de la totalitй de la location prйvue а la remise des clйs par carte bancaire, chиque, chиques vacances ou espиces.
    • Un chиque de caution ou CB de 150 euros ( 760 € pour monospaces et minibus), non encaissй, est demandй а la livraison.
    • Paiement et caution par carte bancaire possible (visa-mastercard-american express). Accord Visa Premier et Mastercard Gold.
    • Nous ne demandons pas d’arrhes pour les rйservations infйrieures а 500 euros. En contrepartie, nous vous demandons de bien vouloir nous contacter en cas d’annulation de rйservation.
    • Pour les rйservations supйrieures а 500 euros nous demandons un chиque d’arrhes de 10 %. Ce chиque n’est pas encaissй au cas ou vous voulez payer la totalitй par carte bancaire.

    ECOLOC REUNION – Aйroport Roland Garros – 97400 Saint-Denis – Ile de la Rйunion

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    RN to BSN Programs Online

    Online RN to BSN programs are designed to develop the professional knowledge and skills of working registered nurses. RN to BSN curriculum is built upon a foundation of physical, biological and social sciences. Students will take courses in the liberal arts where they will further develop their understanding of the cultural, social and intellectual sides of nursing. The Bachelor of Science degree in Nursing (BSN) has become a critical step for career advancement in professional nursing.

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    The American Association of Colleges of Nursing (AACN) and other leading nursing organizations have released statements to the effect that the BSN degree should be considered the minimum education needed prior to entering practice as a professional nurse. As a result, many RN’s with an associates degree or a diploma in nursing are going back to school to enhance both their education and nursing career opportunities. In fact, according to the AACN RN to BSN program enrollment increased 20% from 2009 to 2010. This is actually the eighth consecutive year seeing an increase in enrollment in these programs. The AACN is also a proponent of online RN to BSN programs, stating that they feel the online format enhances the accessibility of advanced education and career advancement for associate’s and diploma educated nurses.

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    I work in the technical side of health care, and I registered in The Chang School’s Health Informatics program to help keep my skills relevant and open doors for future opportunities. I am just completing my first course and to my surprise, I still have great work-life balance and actually enjoy my weekly assignments. I had some fears about the differences between online courses and the traditional in-class model, but the instructors have been superb and very supportive. I also enjoy collaborating and interacting with fellow health care professionals. It provides opportunities to see what others in the field are doing, and has even given me ideas on how I can effect change in my own workplace.

    Daniel Smith
    Learner, Health Informatics
    Data and Utilization Specialist, The Scarborough Hospital

    The G. Raymond Chang School of Continuing Education

    Health Informatics

    Chang School Quick Links

    Health Informatics

    The demand for skilled workers in the field of health informatics (HI) is growing rapidly in response to the need to deliver less expensive and higher quality health care. Careers in health informatics require skills in information technology (IT), health care, and management.

    The Certificate in Health Informatics is designed for professionals with some health or IT background, and will provide skills in the interdisciplinary field of health informatics within a management context, as well as build skills based on your current area of expertise. If you are a health professional, you may need courses to increase your IT skills. If you are an IT professional, you may need courses that give you a better understanding of the Canadian health care system. The certificate will also serve internationally educated professionals who have a background in either area but need to understand the Canadian context.

    2015 CAUCE Award of Excellence for Credit Programming Over 48 Hours

    The Chang School’s Certificate in Health Informatics was given an Award of Excellence for Credit Programming over 48 hours at the annual Canadian Association of University Continuing Education (CAUCE) conference in Winnipeg in May 2015.

    Backup – Recovery

    #backup #and #recovery,backup #and #recovery #software,data #protection,recovery,protect #data,virtual,cloud


    Backup and recovery

    Get back to business fast to enable productivity

    Our solutions deliver the fast backup and recovery you need to keep pace with your business. Just ask our customers. The majority reported significant time-savings compared to their previous solutions with 20% seeing as much as a 10X performance increase with us. Our backup and recovery solutions are designed for fast-growing organizations like yours as you modernize your data protection. We enable you to:

    • Protect anything — systems, apps and data — whether it’s physical, virtual and or in the cloud.
    • Recover your environment in about 15 minutes with zero impact on users.
    • Deploy a single, turnkey backup appliance solution for rapid recovery in approximately 20 minutes.
    • Scale data protection needs in physical, virtual and application environments.
    • Speed VMware backup and replication while dramatically reducing storage requirements.
    • Capture vital business data from endpoints in the event of lost data, system failures, user errors, or misplaced devices.


    Protect anything everywhere with incredible ease, recover your environment in minutes without affecting users and scale backup and restore capabilities based on your growing needs.

    Rapid recovery software

    With ZeroIMPACT recovery, you can restore anything to anywhere and do it in approximately 15 minutes. Plus:

    • Provide users with the data they request instantly, during restores, as if the outage never happened.
    • Ensure system, application and data protection and availability everywhere: physical, virtual, and cloud.
    • Replicate and restore data easily offsite and in the cloud for reduced CAPEX and OPEX.

    Precio del dolar hoy en bancos de MГ©xico y tipo de cambio actual, precio dolar hoy.

    #Precio #dolar #hoy

    Precio del Dolar

    Precio dolar hoy

    Precio del dolar a la compra y venta en ventanillas de bancos de MГ©xico

    DolarenMГ©, es un sitio web, que recopila el precio del dolar a la compra y venta, en Ventanillas de Banamex, Santander, Monex, Banjercito, Banco de Mexico, HSBC, Banorte, BXPlus, Banco Azteca, Inbursa, Scotiabank, Banco del Bajio, Bancomer , Ixe y los principales Bancos de MГ©xico, actualizando el valor cada 15 minutos, para asi tomar la mejor desiciГіn a la hora de realizar transacciones con esta divisa, resaltando la mejor opciГіn de compra o de venta.

    Ultima Actualizacion del Precio del Dolar: viernes 19 de enero de 2018 – Hora:05:00:01 AM GMT-6

    Actualizado: 2018-01-19T05:00:01-7:00 | Publicado: 2018-01-19

    Hoy viernes 19 de enero de 2018, el precio del dolar publicado en bancos es el siguiente:

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Sugerencias para toma de decisiones:

    Si vas a vender, tu mejor opcion es: MONEX a $18.36 pesos cada dolar.

    Si vas a comprar, tu mejor opcion es: SANTANDER a $0.00 pesos cada dolar.

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Precio dolar hoy

    Tabla comparativa del precio del dГіlar publicados hoy por bancos de MГ©xico.

    Por que publicar el Precio del Dolar en MГ©xico?

    El DГіlar Estadounidense, es la moneda de mayor importancia en el mundo. En el estГЎndar internacional ISO 4217 se define como USD (United States Dollar) o lo que es lo mismo, “DГіlar Americano o Estado Unidense”

    En este sitio web, mostramos el valor del dГіlar en ventanilla de los principales bancos de MГ©xico, actualizando su valor cada 15 minutos, para asi mantenerte informado sobre posibles cambios en el precio del dГіlar en bancos o comumente llamado “Dolar Hoy”, los bancos que mostramos con el Precio del dГіlar, son los siguientes:

    Banamex, Santander, Monex, Banjercito, Banco de Mexico, HSBC, Banorte, BX+,

    Banco Azteca, Inbursa, Scotiabank, Banco del Bajio, Bancomer, Ixe

    Como dato extra, cabe mencionar que la bolsa de valores de todos los paГ­ses utilizan el dolar como un elemento sobre el cual se miden y avalan distintas transacciones. El dГіlar es tambiГ©n es la moneda oficial en la que el Banco de MГ©xico ahorra sus reservas internacionales.

    Estos son bГЎsicamente algunos de los motivos que definen la importancia que el dГіlar americano ejerce sobre la economГ­a Mexicana y sobre todo la importancia de conocer el valor actual de la divisa norteamericana, comunmente llamada dГіlar.

    De antemano le agradecemos su visita.

    В» Los datos publicados con respecto al dolar, son datos de referencia solamente.

    В» Los logotipos utilizados, pertenecen exclusivamente a sus dueГ±os.

    В» Android, Google Play y el logotipo de Google Play son marcas comerciales de Google Inc.

    Ayudanos compartiendo el sitio con tus amigos:

    Hotel Leopardi Verona – Official site – a four-star hotel in Verona near the Fair, Arena and San Zeno, leopardi hotel verona.

    #Leopardi #hotel #verona

    Hotel Verona: Hotel Leopardi About us

    The name of the Hotel Leopardi was inspired by one of the most important nineteenth-century Italian literary figures. Leopardi is also the name of the street where the hotel is located, so it is easy to find us.

    We look forward to welcoming you and helping you to enjoy your stay.

    Our restaurant La Ginestra

    This is where we take delight in whetting your culinary curiosity: our chef offers a range of imaginative and creative meat and fish dishes. All the staff will make every effort to leave you with good memories.

    Our services for you

    Hotel Verona: Hotel Leopardi


    Rooms are like clothes: to each his own. We have opted for a traditional style, hoping that everyone will be happy, but for those who like to choose, we have created some different room types.

    Hotel Verona: Hotel Leopardi

    Our meeting rooms can be used for a range of purposes: a business meeting, a training course, a gala evening or a ball. We will be happy to meet all your requirements for up to 150 people.

    • Fully equipped rooms
    • Option of coffee breaks and working lunches
    • Pre and post-conference organisation

    Hotel Verona: Hotel Leopardi


    If you have time, why not work up a healthy sweat in the sauna cabin, enjoy a cold or tropical shower with an ice waterfall or have a dip in the whirlpool tub? Then relax with a nice herbal tea and let your cares drift away.

    • Sauna and Turkish bath, cold and tropical shower.
    • Whirlpool tub, relaxation area and herbal tea bar
    • Two cosmetic and massage cabins

    22.06.2018 – Arena Oper Festival 2018 – From 22th June to 1st September 2018

    Arena Oper Festival 2018 – From 22th June to 1st September 2018 – [details]

    01.11.2017 – Verona Daily Events -Carnet Verona-

    Verona Daily Events -Carnet Verona- – [details]

    27.04.2018 – Bob Dylan live in concert-Arena-27th april 2018-

    Bob Dylan live in concert-Arena-27th april 2018- – [details]

    Subrogación de Hipotecas, gastos subrogacion hipoteca.

    #Gastos #subrogacion #hipoteca

    Subrogación de Hipotecas

    La subrogación de hipotecas se encuentra regulada

    por la Ley 2/1994 de 30 de Marzo

    Gastos subrogacion hipoteca

    Subrogación Hipotecaria

    Una subrogación es un trámite por el cual podemos cambiar nuestro préstamo hipotecario de una entidad a otra. El objetivo de esta operación es conseguir una mejora en las condiciones económicas de nuestro préstamo, sin necesidad de cancelarlo y formalizar uno nuevo.

    Debemos tener en cuenta que al solicitar una subrogación de hipoteca podremos modificar los tipos de interés aplicados o el plazo de amortización, pero el resto de condiciones no podrán ser alteradas.

    En un mercado hipotecario como el español donde los tipos de interés han variado fuertemente en los últimos años puede resultar muy provechoso considerar una subrogación hacia una entidad que ofrezca unos mejores tipos de interés, típicamente medidos como un diferencial sobre el índice Euribor.

    ¿Cuáles son los gastos de subrogación?

    Llevar a cabo una subrogación implicará una serie de gastos, de forma que la diferencia entre el ahorro que podemos lograr y estos gastos determinará si es interesante realizar la subrogación.

    Los gastos para la subrogación de una hipoteca se dividen en notaría, registro y gestoría, y a esto tendremos que añadirle la comisión de subrogación que hayamos firmado con nuestra actual entidad.

    Para una hipoteca con un capital de 180.000 euros los gastos relativos a notaría, registro y gestoría ascenderían a 1.045 euros, mientras que la comisión de subrogación suele ser un valor no superior al 1%, es decir, 1.800 euros como máximo.

    ¿Cuánto dinero me ahorraré con la subrogación?

    Para decidir si la subrogación será rentable tendremos que calcular el dinero que podemos ahorrarnos gracias a la disminución de los tipos de interés.

    Para llevar a cabo este cálculo puedes usar un simulador de hipotecas (calculadora). Haz el cálculo de tu cuota mensual con el actual tipo de interés, y realiza el mismo cálculo con el que conseguirías a través de la subrogación.

    Si el ahorro que logres fuese superior a los gastos de la hipoteca te interesaría solicitar una subrogación.

    Subrogación a la hipoteca del promotor

    El promotor de nuestra vivienda puede hacer realizado la construcción de la vivienda a través de la financiación del solar y la obra. En estos casos la vivienda está hipotecada por el promotor de la misma, y se nos ofrece la posibilidad de subrogarnos a esta hipoteca.

    Será necesario estudiar las condiciones de la hipoteca contratada por el promotor, ya que si decidimos subrogarnos a la misma no tendremos que asumir los gastos de constitución de una nueva hipoteca. En cualquier caso, si decidimos solicitar nuestra propia hipoteca, el promotor está obligado a asumir los costes de cancelación de su préstamo hipotecario.

    Durante las próximas semanas generaremos guías personalizadas de subrogación para cada banco (BBVA, Santander, ING Direct, Bankia, etc). En estas guías mostraremos los gastos para cada tipo de hipoteca así como las mejores opciones de subrogación.

    Obtenga más información sobre la subrogación de hipotecas en el blog Mi Hipoteca:

    • ¿En qué consiste la subrogación de un préstamo hipotecario?
    • ¿Qué gastos puede conllevar la subrogación de una hipoteca? ¿Cuándo resulta conveniente subrogarse? ¿Existe la subrogación sin gastos?
    • ¿Podemos solicitar una subrogación de la hipoteca que nos ofrece el promotor?
    • ¿Podríamos volver a subrogar una hipoteca subrogada previamente? ¿La subrogación es compatible con la reunificación de deudas?

    Encuentra las respuestas a estas preguntas en este enlace: Subrogación de Hipotecas. O consulta el nuevo blog sobre hipotecas y Euribor.