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Real estate sector in perspective with Housing Finance MD Sam Waweru| Trading Bell. ^ Video

Real estate sector in perspective with Housing Finance MD Sam Waweru| Trading Bell, NEF6.COM

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Real estate sector in perspective with Housing Finance MD Sam Waweru| Trading Bell

Real estate sector in perspective with Housing Finance MD Sam Waweru| Trading Bell, NEF2.COM

Real estate sector in perspective with Housing Finance MD Sam Waweru| Trading Bell

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ArtIcle: NEF6.COM

No! Actually, It’s Finance, Stupid! – What The Occupy Movement’s Agenda Must Include! ~ Video

No! Actually, It's Finance, Stupid! - What The Occupy Movement's Agenda Must Include, NEF2.COM

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No! Actually, It’s Finance, Stupid! – What The Occupy Movement’s Agenda Must Include

No! Actually, It's Finance, Stupid! - What The Occupy Movement's Agenda Must Include, REMMONT.COM

No! Actually, It’s Finance, Stupid! – What The Occupy Movement’s Agenda Must Include

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Liability Car Insurance Coverage from Nationwide, car liability insurance.

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Liability car insurance coverage from Nationwide

In most U.S. states, auto liability insurance coverage is a legal requirement for driving a car. Yet the most basic policy may not provide the coverage you need if you’re in a serious accident. It pays to understand liability car insurance and adjust your policy to meet your needs and budget. Learn more about what liability insurance covers and get a liability insurance quote today.

What does liability insurance cover?

There are two basic components of liability car insurance: bodily injury coverage and property damage coverage.

About bodily injury liability coverage

Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.

About property damage liability coverage

Property damage liability insurance helps pay for other people’s property, not yours. It may cover damage done to someone’s property as the result of a covered accident for which you are responsible. It may also help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

Minimum and maximum limits on auto liability insurance

A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.

If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

Liability car insurance alone does not cover your car

If you opt for liability car insurance alone, you’re legally covered, but damage to your vehicle isn’t. That could cost you thousands to repair or replace the vehicle you depend on every day. Collision coverage and comprehensive car insurance coverage help pay for damage to your vehicle if coverage applies. You can also keep your rates low in the event of an accident with Accident Forgiveness.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Esenzioni dai ticket sanitari: ecco cosa accade dopo i 65 anni, over 65 esenzione ticket.

#Over #65 #esenzione #ticket

Esenzioni dai ticket sanitari: ecco cosa accade dopo i 65 anni

A cura di

Il 2017 sta per concludersi: se il prossimo anno spegnerete la vostra 65esima candelina, è arrivato il momento di chiedervi cosa cambierà anche per quel che riguarda le esenzioni dai ticket sanitari.

Secondo l’articolo 8, comma 16 della Legge 537/1993, infatti, potrete accedere gratuitamente a prestazioni di diagnostica, sia strumentale sia di laboratorio, ma anche a visite specialistiche. In che modo? Sfruttando il diritto alla salute e il vostro codice E0 esenzione.

Facciamo insieme un po’ di chiarezza.

Quando si può richiedere l’esenzione dai ticket sanitari?

Diverse sono le ragioni che potrebbero portarvi a ottenere una simile agevolazione fiscale. In primis, un reddito inferiore alla soglia limite prevista, ma anche l’età anagrafica, in particolare per i piccoli sotto i 6 anni e per gli over 65, appunto. Contano, inoltre, la disoccupazione e la pensione sociale o minima (in questi casi sono presi in considerazione anche i redditi derivanti da immobili di proprietà).

Esenzione dai ticket sanitari: è sempre valida?

Se si ha più di 65 anni, l’esenzione è valida a patto che si appartenga a un nucleo familiare con reddito complessivo non superiore a 36.151,98 euro l’anno (codice E01).

Se, invece, si è sessantenni, con una pensione minima e familiari a carico, l’esenzione è valida per chi ha:

  • un reddito familiare complessivo inferiore a 8.263,31 euro;
  • un reddito familiare complessivo inferiore a euro 11.362,05, con un coniuge a carico, ulteriori 516,46 euro per ogni figlio a carico (codice E04).

I codice di esenzione E01-E03-E04 valgono sempre per gli over 65, a meno che non ci siano delle modifiche nel reddito.

Esenzione dai ticket sanitari 2018: come richiederla?

In questi casi, il punto di riferimento è la ASL di appartenenza. Le procedure di verifica sono sempre più veloci: il controllo viene, infatti, effettuato direttamente dal medico di famiglia, verificando telematicamente, attraverso la tessera sanitaria, se al paziente appartiene uno dei codici di esenzione E01, E03 ed E04. Il codice è poi riportato sulla ricetta.

Se non dovesse risultare così, seppur in possesso dei requisiti, i pazienti possono rivolgersi alla ASL per richiedere un certificato provvisorio di esenzione.

Codice esenzione ticket E01, E02, E03, E04: facciamo chiarezza

Sapreste riconoscere qual è il vostro codice esenzione? Probabilmente no, ma è sempre bene cercare di capire per orientarsi al meglio:

  • Codice E01: esenzione ticket per bambini di età inferiore ai 6 anni e adulti sopra i 65 anni.
  • Codice E02: esenzione ticket per i disoccupati.
  • Codice E03: esenzione ticket per reddito, per chi ha una pensione sociale e un assegno sociale, assieme ai familiari a carico.
  • Codice E04: esenzione ticket per i pensionati al minimo di età, superiore a 60 anni, e per i loro familiari a carico.

Il Sistema Sanitario è, dunque, dalla parte dei pazienti. L’obiettivo è garantire un supporto medico adeguato a tutte le persone che ne hanno bisogno; nel caso in cui si presentasse una certificazione falsa o erronea, ciò causerebbe la perdita dell’esenzione, il pagamento del ticket sanitario e una sanzione pari tre volte all’importo del ticket evaso.

Se vi rimane qualche dubbio, non esitate a parlare con il vostro medico curante, che saprà consigliarvi al meglio, valutando le vostre condizioni.

Questo articolo è nella categoria: Salute Data di creazione: 01 Dicembre, 2017 – Data ultimo aggiornamento: Dicembre 01, 2017


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Le informazioni proposte in questo sito non sono un consulto medico. In nessun caso, queste informazioni sostituiscono un consulto, una visita o una diagnosi formulata dal medico. Non si devono considerare le informazioni disponibili come suggerimenti per la formulazione di una diagnosi, la determinazione di un trattamento o l’assunzione o sospensione di un farmaco senza prima consultare un medico di medicina generale o uno specialista.

Pièces auto neuves au meilleur prix, MISTER AUTO, my auto de.

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Trouver mes pièces auto

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Dans notre catalogue il est également possible de rechercher des pièces par équipementier ; vous aurez le choix parmi les meilleures marques, telles que : BOSCH, Valeo, Castrol, SKF, TRW, Monroe, Contitech, Luk, Purflux, et bien d’autres. Les pièces détachées fabriquées par ces équipementiers sont équivalentes aux pièces auto d’origine. Découvrez notre meilleure sélection de pièces avec plus de 300.000 pièces et accessoires auto de plus de 90 équipementiers différents.

Toutes les pièces détachées disponibles sur Mister Auto sont homologuées et respectent les standards européens de qualité et sécurité : en commandant sur notre site vous aurez la certitude d’acheter des produits fiables et certifiés, fabriqués pour durer. En plus de vous offrir la meilleure qualité, nous vous garantissons aussi d’importantes économies sur votre budget auto. En achetant nos pièces directement chez les plus grands équipementiers -avec lesquels nous sommes en relation au quotidien- nous vous proposons régulièrement de nombreuses promotions et offres spéciales, en plus de prix extrêmement compétitifs : jusqu’à -60% sur le tarif public équipementier. Acheter des pièces auto à prix discount sur c’est le bon plan !

Pourquoi acheter des pièces auto sur Mister Auto ?

Fiabilité, qualité, rapidité. Depuis 2007, Mister Auto n’a eu qu’une seule et même priorité : la satisfaction de ses clients.

Et c’est exactement pour cela, qu’en plus de vous offrir les meilleurs prix, nous mettons aussi à votre disposition de nombreux services :

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Vente de voiture au enchère: Sites les plus prisés, vente des voitures.

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Vente de voiture au enchère

Vente aux enchères de véhicules d’occasion

Les sites les plus prisés pour la vente aux enchères d’une voiture

Les enchères auto sont-elles des arnaques ?

Achat et vente des voitures : Enchères automobiles en ligne

Voiture de luxe

Vous êtes amateur de voiture de luxe ? Retrouvez les marques de voitures les plus luxueuses partout dans le monde : Rolls-Royce, Bentley, Ferrari, Lamborghini, Maserati… Trouvez les meilleurs prix pour une location de voiture de luxe dans la capitale de France.

Voiture de sport

Les conseils pour acheter une voiture de sport sont : Il est préférable d’utiliser les comparatifs en ligne afin de trouver la voiture sportive de vos rêves. Retrouvez alors des voitures de sport à acheter en occasion à prix raisonnable et pas chères.

Voiture sans permis

Les voitures sans permis ou encore voiturettes sont dédiées aux individus qui n’ont pas de permis. Cependant, il existe une certaine législation concernant la conduite des voitures sans permis. Quelles sont les caractéristiques légales d’une voiture sans permis ?

Les bonnes raisons pour choisir un véhicule électrique. Elles sont économiques : le prix du carburant d’une voiture électrique est moins cher, moins d’entretien par rapport aux voitures classiques, les tarifs de stationnements sont gratuits ou réduits…

My final thoughts on Ford cardio van from uhaul? + Video

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My final thoughts on Ford cardio van from uhaul, REMMONT.COM

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My final thoughts on Ford cardio van from uhaul

My final thoughts on Ford cardio van from uhaul, NEF6.COM

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Auto insurance liability. + Video

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Compare Cheap Car Insurance Quotes at GoCompare, insurance quote vehicle.

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    [1] Correct as of 18th October, 2017

    [2] Research commissioned by carried out with 2,000 UK adults in February, 2017 by Bilindi

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    Get great instant auto insurance with Nationwide

    If you need insurance in a hurry, Nationwide can help. Using our website, you can receive an instant auto insurance quote and purchase it right away. That can be handy in a lot of situations – if you realize your car insurance has lapsed or if you’ve purchased a new vehicle and need coverage ASAP.

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    Mobili in legno massello, cucine, soggiorni e camere da letto, letto matrimoniale offerte.

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    Mobili in legno massello | cucine, soggiorni e camere da letto

    Cucine, soggiorni e camere da letto in legno massello

    Scegliere un mobile in legno significa farsi conquistare dal fascino della tradizione, da materiali e lavorazioni che appagano la vista per l’unicità della loro bellezza ma ripagano anche nel tempo. Il mobile in legno, a differenza di quelli in truciolare o derivati, è duraturo, sempre restaurabile e adattabile potendone modificare a piacimento la verniciatura.

    Il primo passo è sempre la scelta della materia prima. Gli alberi, accuratamente selezionati, vengono tagliati, suddivisi in tavole e sottoposti ad un processo di stagionatura solo in seguito al quale inizia la vera e propria lavorazione del legno che condurrà al mobile finito.

    Il legno è un dono della terra e come tale oltre al beneficio della durevolezza offre anche una garanzia per la salute stessa dell’uomo. In quanto prodotto naturale, infatti, risulta più sicuro di qualsiasi altro prodotto artificiale, garantendo un binomio perfetto tra bellezza e salute.

    Quello del mobile in legno non è un settore riduttivo ma un universo di possibilità a partire dalla materia prima da cui partire. Ci sono diversi tipi di legno che vengono usati da falegnami, artigiani ed ebanisti nella costruzione dei mobili a seconda del risultato finale che si vuole raggiungere, dell’effetto che si vuole riprodurre e dello stile che si vuole creare. Potremo avere, pertanto, mobili in pino, in castagno, in tuliper, noce nazionale o in faggio, ognuno di questi con prorie qualitá e caratteristiche che li rendono adatti per specifici ambiti.

    La Mobili Sparaco dal 2007 ha creato una produzione propria di mobili in legno massello firmati “Mobili Sparaco”, per offrire prodotti 100% legno massello, completamente personalizzabili nei materiali, nelle rifiniture e nella tipologia di verniciatura. I nostri arredatori, grazie alla loro esperienza sapranno consigliarvi comoposizioni e finiture più adatte alle vostre esigenze, disegnando tutto con programmi grafici 3D e facendovi sentire già a casa.

    Alquiler Internacional de Autocaravanas, alquiler autocaravanas.

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    Alquiler Internacional de Autocaravanas

    ¿Dónde quiere empezar su viaje?

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    Viajar en autocaravana es sinónimo de viajar en libertad, planear el itinerario en familia, visitar tranquilamente países, monumentos, lagos, playas, ese lugar tan especial …

    No tendrá que hacer y deshacer maletas, sin horario impuesto; podrá comer en “casa” o degustar la especialidad típica del lugar.

    Todo lo que tendrá que hacer es decidir el rumbo y la ruta, relajado y sin prisas.


    Elija el modelo que más se ajuste a usted y su familia y, de acuerdo con la zona por donde piense viajar, escoja de nuestra oferta el país y ciudad para iniciar su viaje.

    Podrá dejar su automóvil (sujeto a espacio) en el propio centro de alquiler; tenga en cuenta que si decide iniciar su viaje desde otro país, quizá le convenga volar (consulte las ofertas de vuelo o las compañías de bajo costo) con el consiguiente ahorro en combustible y sobre todo en días de desplazamiento que podrá añadir a sus vacaciones.

    En el momento de retirar su autocaravana, el personal del centro de alquiler le dará una exhaustiva explicación del funcionamiento del vehículo y sobre todo de los diferentes componentes que encontrará a bordo; preste atención, así evitará contratiempos.

    Para que la convivencia a bordo sea agradable es recomendable no llevar demasiado equipaje, esto permitirá mantener más fácilmente el orden en su interior.

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    El consumo de agua deberá ser limitado pues la capacidad del tanque, según modelos, es de 100/125 litros aproximadamente. De vez en cuando conviene pasar un par de días en un camping para hacer uso de la lavandería, duchas y demás facilidades.

    Para pernoctar, además de los campings, existen también áreas de servicios y estacionamiento para autocaravanas; en nuestra página web encontrará información en la pestaña “Enlaces útiles”.

    Si se trata de su primer viaje en autocaravana, podrá comprobar la camaradería que existe entre los miles de caravanistas de cualquier país que circulan por Europa, siempre dispuestos a una charla o a colaborar en caso de necesitar ayuda, pues a todos nos produce el mismo placer el viajar y conocer gente y lugares diferentes de esta forma tan gratificante. ¡No se lo pierda!

    Nos complacerá aconsejarles e informarles sobre su viaje y alquiler de autocaravanas

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    Assicurazione Vita per Mutuo Casa » Costo e Preventivo, assicurazione casa.

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    Assicurazioni vita e mutui: come orientarsi?

    Quali sono i motivi per i quali può essere consigliato sottoscrivere unassicurazione per la vita per un mutuo? La polizza vita per il mutuo è sempre obbligatoria? Quali caratteristiche deve rispettare? Scopriamolo in questa scheda dedicata alle polizze vita ed ai mutui.

    Indice dei Contenuti

    Lassicurazione sulla vita ed il mutuo per la casa

    Sottoscrivere un mutuo è una scelta importante, che in molti casi sotto intende anche un impegno significativo dal punto di vista finanziario. Cosa accade però nel caso in cui leventuale partner o il maggiore percettore del reddito famigliare non siano più in grado di onorare il prestito contratto? La morte, la malattia o linvalidità sono tre delle principali cause che potrebbero portare involontariamente chi contrae un mutuo allimpossibilità di continuare a pagarlo.

    Per questo motivo spesso alla stipula di un mutuo si accompagna anche quella di unassicurazione sulla vita, capace di garantire il partner o gli eredi nel caso in cui si verifichi un evento grave per il sottoscrittore.

    La stipula di una polizza vita per il muto è obbligatoria?

    Sottoscrivere unassicurazione sulla vita per il mutuo non è obbligatorio, ma è vivamente consigliato sia per la protezione dei propri cari sia per motivazioni pratiche.

    Infatti alcuni istituti di credito potrebbero rifiutare la concessione del prestito in mancanza di questa garanzia!

    Di solito chi concede il mutuo (ma lo stesso avviene anche per i prestiti) propone ai sottoscrittori una polizza assicurativa, almeno per la copertura del caso morte. Tuttavia la maggior parte degli istituti di credito tende a presentare ai clienti assicurazioni che comprendono anche altre eventualità, come linvalidità permanente o temporanea, gli infortuni o la copertura in caso di malattia grave.

    La presenza o meno di questo tipo di coperture è variabile in base al tipo di prodotto assicurativo proposto; ogni compagnia assicurativa ha infatti almeno unassicurazione sulla vita che risponde alle necessita di chi contrae un mutuo.

    Nel caso in cui la persona o le persone interessate siano già in possesso di una polizza vita, chi concede il prestito potrebbe richiedere la verifica delle caratteristiche della polizza già in vigore, per valutare se la copertura possa essere sufficiente o meno per la copertura del mutuo.

    In caso di inadeguatezza della polizza vita, listituto di credito potrebbe richiedere la sottoscrizione di una nuova assicurazione. In linea di massima, si consiglia comunque di avere una polizza vita per mutuo che copra almeno i due terzi della cifra sottoscritta per questultimo, ma nulla vieta di scegliere una copertura superiore.

    About Us, commercial insurance tucson.

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    commercial insurance tucson

    Commercial insurance tucson

    Commercial insurance tucson

    Jason Shipsey is a licensed independent insurance agent. He has held insurance licenses in the state of Arizona since 2007 and has recently expanded to California, Texas, Utah, Colorado, Oregon, Washington, New Mexico, Nevada, Florida, Maine, Mississippi, and Oklahoma. Jason’s primary focus is working with businesses and the personal lines of the business owners. Jason specializes in providing coverage to the following industries: healthcare, contractors, professional- E O, EPLI, and transportation.

    Prior to founding Shipsey Insurance Group, Jason worked for American Family Insurance, State Farm Insurance and Bankers Life and Casualty Insurance. Jason attended the University of Arizona and received a Master’s degree in Finance and a Bachelor of Art in Psychology.

    In his free time, Jason enjoys spending time with family and friends, camping, hiking, weight lifting, and swimming. He is an avid University of Arizona sports fan. Jason volunteers for The Foothills Club which raises money to support children charities in Tucson.

    Commercial insurance tucsonDaniel Ortiz has a long record of working with clients in the Insurance and Financial services industry since 2008. He is a Tucson native, bilingual in both English and Spanish, and understands the unique local environment; College community, Snow Birds, International travelers, and Hispanic heritage. He provides full service commercial and personal insurance evaluations. He is licensed in Property and Casualty, Health and Life Insurance.

    Commercial insurance tucsonSheryl Bourff, originally from Indiana has been in the Insurance and Risk Management industry over 30 years, in several states. Shipsey clients will find this tenure has given Sheryl a diverse knowledge base with which to serve your needs.

    Sheryl’s extensive background includes having worked on both the Company and Agency sides of the industry. She prefers Agency positions where it is possible to develop strong and lasting Agent Client relationships. Sheryl being reared in a family of insurance agents has never doubted that Insurance and Risk Management is her natural calling.

    Sheryl and her son have been residents of Arizona for three years. Sheryl’s non-work time is filled with family activities involving her son Camden and participates in his achievements in academics and music. Sheryl and Camden are both active in the community by volunteering to make our community a better place.

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    Allenglobe Inmobiliaria, alquiler pisos almeria.

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    Todas las oficinas Allenglobe poseen gestión individual y son jurídicamente independientes

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    Urbatic – Venta y alquiler de pisos, casas y apartamentos en Gandia y playa de Gandia, alquiler apartamentos gandia.

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    la luz que quieres.

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    Más de 20 años ofreciendo soluciones inmobiliarias.

    Nuestra filosofía de trabajo se basa en la gestión inmobiliaria de calidad, la confianza y el trato personalizado.

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    Lo justo es que tú también ganes.

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    Encuentra tu lugar para soñar.

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    Formación de excelencia invertida en ti.

    Somos agentes colegiados, queremos ofrecerte un servicio exclusivo. Pero también somos profesionales formados en CRS, el prestigioso certificado internacional que garantiza que invertimos en nosotros y en ti.

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    Istituto Statale di Istruzione [email protected] – Isaac Newton, triennio scuola superiore.

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    Istituto Statale di Istruzione Superiore




    Istruzione Adulti




    Pubblicità legale




    Conferenza di presentazione del 18-11-2017



    Dati forniti da Eduscopio/Fondazione Agnelli nellanno 2017

    Camera di Commercio Varese

    Per informazioni ed appuntamenti :



    BANDO DI CONCORSO “Con il Rotary Varese per la Meccanica e la Meccatronica”

    per l’assegnazione di n. 2 borse di studio del valore di 1.200,00 euro (1° e 2° premio) e n. 2 borse di studio del valore di 800,00 euro (3° e 4° premio) in favore di due studenti meritevoli dell’indirizzo ITIS – Meccanica e meccatronica, che………. continua a leggere allegati in formato DOC PDF

    Variazione calendario simulazioni e relativo cambio aule

    Circolare n° 525 LINK

    Colloqui generali Scuola – Famiglia infraquadrimestrali

    I colloqui generali Scuola – Famiglia infraquadrimestrali si svolgeranno nelle seguenti date:

    Lunedì 9 aprile 2018 (ore 16.30 19.30): classi ITIS

    Mercoledì 11 aprile 2018 ( ore 16.30 19.30): classi IPSIA/IeFP

    Variazione calendario simulazioni, incontri formazione ASPEM e cambio aule per simulazioni

    Domande di MESSA A DISPOSIZIONE (MAD) per supplenti docenti e ATA

    Calendario corsi di formazione per docenti neoimmessi in ruolo e in passaggio di ruolo – a.s. 2017/2018 – Ambito 34 della Lombardia

    Pubblicazione nella sezione Neoimmessi& dei corsi di formazione per docenti neoimmessi in ruolo LINK


    Studio e compiti assistiti

    Attività di supporto gratuito per gli studenti


    Le circolari per studenti e genitori / chi ne fa le veci sono consultabili nella sezione COMUNICAZIONI/ Circolari scolastiche& del sito e nella sezione BACHECA del Registro elettronico. Link alla circolare

    Le entrate posticipate o uscite anticipate delle classi dei corsi diurni, disposte dalla Dirigenza per improvvise assenze degli insegnanti, vengono segnalate nella sezione AGENDA del Registro Elettronico&, che i genitori/chi ne fa le veci sono tenuti a consultare quotidianamente per verificare landamento didattico disciplinare. E ugualmente possibile controllare quanto sopra nel medesimo Registro Elettronico&, accedendo alla sezione COSA SI E FATTO OGGI A SCUOLA, identificando le icone rettangolari grigie XO&.

    Per eventuali richieste di chiarimenti e/o consulenza è possibile rivolgersi alla Vicepresidenza.

    Accesso civico

    Gli interessati alla procedura di Accesso Civico dellAmministrazione Trasparente possono seguire le indicazioni procedurali reperibili nellapposita sezione del sito internet di istituto. LINK


    Responsabile Ufficio Placement:

    prof.ssa Paola Monfrini



    Preammortamento finanziario di un mutuo: definizione e costi: un aiuto per il confronto dei mutui piu – convenienti on-line, mutui on line surroga.

    #Mutui #on #line #surroga

    Preammortamento finanziario di un mutuo: definizione e valutazione della convenienza

    Il preammortamento finanziario è un periodo iniziale della vita del mutuo durante il quale il mutuatario è tenuto a corrispondere alla banca solo gli interessi.

    La procedura di preammortamento di questo tipo è ricercata da chi è disposto a spendere un po di più riguardo al costo complessivo del mutuo, pur di avere delle rate ridotte nei primi anni.

    La durata del preammortamento è di solito non superiore ai 5 anni.

    Il costo maggiore è dato dal fatto che, durante il preammortamento, il capitale non viene rimborsato, quindi non si riduce, e gli interessi sono calcolati sempre sul totale del prestito.

    Le rate iniziali sono ridotte in quanto composte solo dalla quota interessi e non dalla quota capitale.

    Facciamo un esempio pratico:

    su un mutuo di 50.000,00 euro rimborsabile in 10 rate semestrali, al tasso annuo del 6 % e con un periodo di preammortamento di 18 mesi (non compreso nel periodo di ammortamento).

    Ipotizzando che il rimborso del mutuo ottenuto avvenga seguendo un piano di ammortamento allitaliana si avrà il seguente schema:

    Dall’analisi della tabella del piano di rimborso si nota subito che la durata del prestito si è allungata di 18 mesi e gli interessi sono aumentati di ben 4.500,00 euro, ma per i primi 18 mesi la rata è molto ridotta rispetto al periodo finale.

    Volendo lasciare invece inalterata la durata del mutuo, dovremmo far rientrare il periodo di preammortamento allinterno del periodo di ammortamento.

    Quindi la quota capitale, che rimane costante, verrà calcolata per 7 periodi, in quanto i primi 3 sono di soli interessi e dunque il calcolo risulterà essere:

    50.000 / 7 = 7.142,86 euro

    L’importo delle rate, a parte quelle iniziali, è aumentato di molto, ma abbiamo anche ridotto significativamente lammontare degli interessi.

    Term Life Insurance Quote Calculator, TIAA, 15 year term life insurance rates.

    #15 #year #term #life #insurance #rates

    Life Insurance Premium Quick Quotes

    • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
    • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
    • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
    • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

    Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

    To discuss your specific situation, call us at 877-276-9429.

    Please call 877-276-9429 for quotes at face amounts other than those shown above.

    This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

    TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

    Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

    15 year term life insurance rates

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    About TIAA

    Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

    Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender 15 year term life insurance rates. TIAA Direct and EverBank are divisions of TIAA, FSB.

    The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

    TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

    Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

    TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

    2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017

    Guarantee fund – Гаранционен фонд, deutsche beamten versicherung.

    #Deutsche #beamten #versicherung

    deutsche beamten versicherung

    Deutsche beamten versicherung

    Представители за уреждане на претенции

    в Европейски съюз

    Намерени са 31 резултата


    Lev Ins Insurance

    DEKRA Claims Services Austria GmbH

    Wien A-1010, Austria


    Lev Ins Insurance

    DEKRA Claims Services Belgium NV / SA

    Woluwe BE – 1932, Belgium


    Lev Ins Insurance

    EUROHERC osiguranje d.d.

    Zagreb HR-10000, Croatia


    Lev Ins Insurance

    Pansyprian Insurance Ltd

    Lefkosia CY-1095, Cyprus

    Czech Republic

    Lev Ins Insurance

    DEKRA Claims Services CZ s.r.o.

    Prague 4 CZ-14900, Czech Republic


    Lev Ins Insurance

    Handling Denmark

    Lyngby DK-2800, Denmark


    Lev Ins Insurance


    Maardu 74112, Estonia


    Lev Ins Insurance

    Oy Lars Krogius Ab

    Helsinki FIN-00500, Finland


    Lev Ins Insurance

    Coris International

    Paris F-75009, France


    Lev Ins Insurance

    B.E.C.S. – Bureau of European Claims Settlement GmbH’

    Nuremberg D-90482, Germany


    Lev Ins Insurance


    Athen GR-17122, Greece


    Lev Ins Insurance

    DEKRA Claims Services Hungary Ltd.

    Budapest H-1096, Hungary


    Lev Ins Insurance

    Fruherji hf.-K?nnun ehf.

    Reykjavik IS-110, Iceland


    Lev Ins Insurance

    OSG Liability

    Dublin 4 D4, Ireland


    Lev Ins Insurance

    DEKRA Claims Services Italia srl

    Cinisello Balsamo (MI) IT – 20092, Italy


    Lev Ins Insurance


    Riga LV-1045, Latvia


    Lev Ins Insurance


    Klaipeda LT-91132, Lithuania


    Lev Ins Insurance

    DEKRA Claims Services Luxembourg SA

    Luxembourg L-5365, Luxembourg


    Lev Ins Insurance

    Cordina Insurance Agency

    Valletta VLT04 VLT04, Malta


    Lev Ins Insurance

    DEKRA Claims Services Netherlands B.V.

    Rotterdam 3009 AR, Netherlands


    Lev Ins Insurance

    Oslo N-0207, Norway


    Lev Ins Insurance


    Warzsawa PL-01-980, Poland


    Lev Ins Insurance

    DEKRA Claims Services Portugal

    Lisboa 1990-084, Portugal


    Lev Ins Insurance


    Suceava RO-720231, Romania


    Lev Ins Insurance


    Lev Ins Insurance


    Bratislava 811 07, Slovakia


    Lev Ins Insurance

    Assistance Coris d.o.o.

    Ljubljana SI-1000, Slovenia


    Lev Ins Insurance

    DEKRA Claims Services Spain

    Barcelona ES-0813, Spain


    Lev Ins Insurance

    Utlandsk Juridisk Byra AB

    SOLLENTUNA (Stockholm) S-19135, Sweden


    Lev Ins Insurance

    Coris Switzerland Ltd

    Freiburg CH-1705, Switzerland

    United Kingdom

    Lev Ins Insurance

    DEKRA Claims Services UK Ltd

    London GB- EC2M 4HE, United Kingdom

    в България

    Търсене на представители за уреждане на претенции в България по държава и застрахователна фирма.

    VIAJES A HOLANDA TODO INCLUIDO 2018, viajes a holanda.

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    Viajes a Holanda Todo Incluido 2018 2019


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    IKARUS Team_CH – IKARUS TOURS GmbH, ikarus reisen.

    #Ikarus #reisen

    Ihre Ansprechpartnerin im IKARUS-Team Schweiz

    Ikarus reisen

    Ihr großes Interesse an fremden Ländern und Kulturen ließ Rhea Schweizer bereits in jungen Jahren regelmäßig die Welt bereisen. Nach ihrer dreijährigen Ausbildung zur Reisekauffrau in einem Zuger Reisebüro arbeitete sie zunächst als Luftverkehrsangestellte in der Kundenbetreuung und am Check-In am Flughafen Zürich-Kloten. Nach einer anschließenden zweijährigen Tätigkeit im Office- und Travel Management eines inter nationalen Personaldienstleisters, wechselte Frau Schweizer im September 2017 als Reiseberaterin ins IKARUS-Büro nach Zürich.

    Sie erreichen Rhea Schweizer unter folgenden Kontaktdaten:

    Tel. (0) 44 211 88 33

    Das IKARUS-Team in Königstein, Deutschland

    Ines Adamsky (Empfang); Tobias Bening (Amerika); Frank Fischer (Amerika); Silke Nees (Europa); Heike Thomas (Afrika); Thomas Stichmann (Marketing); Wolfgang Schneider (Europa); Pavel Perlikiewicz (Haustechnik); Godehard Ulrich (Nahost/Nordafrika/Türkei); Saifeng Zhang (China), Peter Kulle (Flug und Ticketing)

    Martina Holler (Pazifik); Ariana Seifried (Europa, Asien); Sabira Dudevic (Buchhaltung); Holly Hammond (Zentralasien, Indien); Nicolas Kitzki (Geschäftsführer); Cornelia Gatzke (Leiterin Finanzbuchhaltung und Prokuristin); Ralf Huber (Stv. Geschäftsführer); Rainer Schlegel (Leiter Produktentwicklung); Andrzej Adamsky (IT-Manager, Online-Vertrieb); Manuel Gogna (Buchhaltung); Christopher Braun (Asien); Ulla Fischer (Nahost/ Nord- u. Westafrika); Norma Vahle (Afrika); Christian Bach dos Santos (Buchhaltung); Glenn Erik Aßmann (Asien, China)

    Henry Connes (Auszubildender); Alina Jordan (Auszubildende); Laura Porlein (Auszubildende); Sara Baumann (Auszubildende); Alina Lemke (Auszubildende); Hannah Leonhard (Auszubildende); Merith Sommer (Praktikantin Marketing); Katja Ullrich (Amerika); Sabrina Herr (Zentralasien, Indien); Karin Raddatz (Asien); Larissa Sperzel (Nahost/Nord- u. Westafrika); Christina Stein (Expeditions-Kreuzfahrten); Sabrina Birnkammer (Pazifik)

    Kerstin Stock-Knecht (Expeditions-Kreuzfahrten), André Friedrichs (Amerika)

    Bereits seit 2001 bildet IKARUS TOURS mit großem Erfolg junge Tourismus- (bzw. Reiseverkehrs-) und auch Bürokaufleute im Unternehmen aus. Derzeit erlernen sieben junge Menschen den spannenden Ausbildungsberuf Tourismuskaufmann (-frau) in unseren verschiedenen Zielgebietsbereichen.

    Ikarus reisen

    Ihr Rechtsanwalt in Dresden – NJP RECHTSANWÄLTE*, rechtsanwalt dresden.

    #Rechtsanwalt #dresden


    Rufen Sie uns an!

    • Außergerichtliche Konfliktbeilegung
    • Schnellstmögliche Terminvergabe
    • Konsultation auf Wunsch auch an Ihrem Sitz

    Handels- und Außenhandelsrecht insb. Russische Föderation

    Haben Sie Fragen zum Vertriebsrecht, zu Verträgen von Import- und/oder Exportgeschäften oder zum Zollrecht? Wollen Sie ein Unternehmen im Ausland gründen oder brauchen Beratung bei der Zahlungsabwicklung von Auslandsgeschäften? Unsere langjährige Erfahrung im klassischen Handels- und Außenhandelssrecht machen uns zu Ihrem kompetenten Ansprechpartner.


    Wollen Sie eine Gesellschaft gründen oder verkaufen? Benötigen Sie Hilfe bei der Gestaltung Ihrer Gesellschaft? Anwaltlicher Beratungsbedarf besteht für ein Unternehmen nicht nur bei strategischen Fragen und Neuausrichtungen, sondern auch im alltäglichen Geschäft.

    Zivil- und Zivilprozessrecht

    Das Zivilrecht umfasst sämtliche vertaglichen und gesetzlichen Rechtsverhältnisse zwischen Privatpersonen und/oder Unternehmen. Hierunter fallen beispielsweise auch Forderungsangelegenheiten, Miet- und Pachtverträge und sonstige Verträge, sofern sie nicht speziellen Rechtsgebieten zugeordnet werden. Das Zivilprozessrecht regelt zudem den formalen Ablauf von Zivilverfahren.

    Wir sind für Sie da

    Unser Anspruch ist es, als externe Rechtsabteilung insbesondere mittelständischer Unternehmen unsere Mandanten umfassend in allen rechtlichen Belangen zu beraten. Neben Unternehmen beraten wir öffentliche Auftraggeber und Privatpersonen. Wir verstehen uns als Dienstleister, die die Interessen der Mandanten optimal vertreten.

    Die Anwälte und Juristen verfügen über umfangreiche eigene Erfahrung in diversen Aufsichts- und Verwaltungsgremien sowie Beiräten. Daraus resultieren stets aktuelles Know-how und hohe Beratungskompetenz.

    Rechtsanwalt dresden Rechtsanwalt dresden


    Rechtsanwalt dresden

    Hans Joachim Nothelfer

    Präsident a.D. Deutscher Golf Verband

    Rechtsanwalt dresden

    Dr. Kamil Arslanov

    Lehrstuhlinhaber für Zivilrecht an der Kazaner (Wolgagebiet) Föderalen Universität

    Rechtsanwalt dresden

    I prestiti personali bancari, contratto prestito.

    #Contratto #prestito

    Contratto prestito

    Il prestito personale è un finanziamento rateale che rientra nella categoria dei prestiti chirografari , generalmente di importo medio alto, utilizzabile liberamente dal richiedente (esclusi scopi imprenditoriali). Tuttavia, pur non essendovi alcun collegamento tra la somma prestata ed il bene o servizio che si intende acquistare, la prassi bancaria è quella di indagare sulleffettivo utilizzo del denaro, pertanto, nella fase istruttoria il consulente potrebbe richiedere, in modo informale, la finalità del finanziamento.

    Il prestito personale è disciplinato dalla normativa sul credito al consumo e, differentemente dal prestito finalizzato, prevede la corresponsione della somma di denaro (sottoforma di assegno circolare o bonifico) direttamente nelle mani del cliente consumatore.

    In base alla normativa sul credito al consumo il prestito personale è riservato ai consumatori. Dunque, non può essere concesso a imprese o a persone che intendono finanziare la propria attività.

    Importo massimo ottenibile e durata

    La disciplina del credito al consumo prevede un importo compreso tra 154,94 euro e 30.987,41 euro. Generalmente, nel caso dei prestiti personali in senso stretto, limporto è medio alto, mentre per le somme più contenute si preferisce utilizzare la forma del credito rotativo: carte di credito revolving o apertura di linee di credito rotative (stesso meccanismo delle carte revolving ma senza il supporto di plastica).

    La durata è compresa tra i 12 ed i 120 mesi.

    Per calcolare la rata massima ottenibile e visualizzare il finanziamento ideale puoi utilizzare il nostro strumento di calcolo: Che prestito posso permettermi?

    Piano di ammortamento ed estinzione anticipata

    Il piano di ammortamento maggiormente utilizzato da banche e finanziarie è quello “alla francese”, ovvero, rate costanti composte da una quota capitale crescente ed una quota interessi decrescenti. Questo piano consente alle banche di incassare un totale interessi maggiore rispetto ad un piano “allitaliana” o “alla tedesca”, grazie al rimborso più lento del capitale.

    Utilizza il nostro software per il calcolo della rata di un prestito personale e lo sviluppo del piano del ammortamento alla francese: Calcolo rata prestito

    Inoltre, anche in caso di estinzione anticipata, la finanziaria si garantisce una quota interessi maggiore, proprio perché la maggior parte degli interessi viene pagata nel primo periodo di rimborso.

    Da qui la sconvenienza ad estinguere un finanziamento verso la fine del piano di ammortamento.

    Calcola il debito residuo e simula un conteggio di estinzione anticipata utilizzando il nostro software: Calcolo conto estintivo

    Generalmente, il prestito personale prevede un tasso fisso espresso dal Tan. (tasso annuo nominale) e dal Taeg. (tasso annuo effettivo globale). Questultimo è un valido indicatore per confrontare più finanziamenti a parità di importo e durata.

    Confronta fino ad un massimo di 3 ipotesi di finanziamento utilizzando il nostro programma: Confronto prestiti on line

    Garanzie del prestito personale

    Il prestito personale non prevede la prestazione di garanzie reali come ad esempio lipoteca. Gli unici strumenti che le finanziarie possono utilizzare per tutelarsi nei casi di potenziale rischio di insolvenza (come ad esempio, importi molto elevati, contratto di lavoro a tempo determinato o a progetto) sono:

    • Garanzie personali: firma di un coobbligato o terzo garante che si obbliga direttamente verso la finanziaria in caso di insolvenza del debitore principale.
    • Assicurazioni del credito: polizze vita o impiego, con cui le finanziarie assicurano il rimborso del capitale in caso insolvenza del debitore dovuta a premorienza, invalidità temporanea o permanente, perdita del posto di lavoro (vedi Assicurazione prestito).

    Attenzione alla firma da garante !

    Spesso si tende a concedere con troppa facilità la firma di garanzia ad un parente o amico. E bene considerare che in caso di insolvenza, se non si provvede tempestivamente a rimborsare il debito del parente o amico, si viene segnalati nelle banche dati, compromettendo, quindi, la possibilità di ottenere altri finanziamenti.

    Inoltre, occorre sottolineare che limpegno finanziario derivante dalla firma di garanzia, influisce anche sulla valutazione di una successiva pratica di finanziamento che dovesse servire al garante. Dunque, si potrebbe compromettere la possibilità di ottenere un finanziamento o un importo maggiore.

    Chi può concedere il prestito personale ?

    Il prestito personale può essere erogato direttamente da:

    • Banche
    • Intermediari finanziari iscritti nellapposito albo tenuto presso lUIC (Ufficio Italiano Cambi)

    Il cliente dunque, per sottoscrivere un contratto di prestito personale può recarsi direttamente presso lo sportello di una banca/finanziaria o utilizzare i siti internet di banche e società abilitati a concedere prestiti on-line.

    Prestito personale on line

    Per sottoscrivere un contratto di prestito personale, oggi, è anche possibile utilizzare siti internet di banche e società abilitati a concedere prestiti on-line.

    Molto spesso in questo modo è possibile abbattere alcuni costi (intermediazione, istruttoria, ecc.) ed ottenere condizioni migliori anche sotto il profilo del tasso di interesse applicato. Tali siti infatti (ad es., consentono di confrontare più proposte di finanziamento ordinate per Taeg crescente.

    Un altro fenomeno legato al mondo dei prestiti on line è il cosiddetto “social lending”, ovvero, il prestito tra privati. Richiedente ed offerente si incontrano attraverso una piattaforma comune che sostituisce definitivamente lintervento di una banca o una finanziaria: il sito più conosciuto è senzaltro Zopa.

    Attenzione alle richieste di informazioni on line !

    Generalmente, i siti web che offrono prestiti online consentono anche di effettuare preventivi on line prima di inoltrare la richiesta effettiva. E bene prestare la massima attenzione ai dati che si forniscono per fare tale preventivo. Infatti, se il form richiede anche linserimento del codice fiscale molto probabilmente il proprio nominativo finirà in banca dati, ovvero, lintero sistema bancario sarà a conoscenza che è stata inoltrata una richiesta di prestito. Pertanto, qualora si volesse rinunciare a quel prestito o rivolgersi ad un altro operatore, bisognerebbe richiedere una lettera liberatoria e perdere del tempo prezioso (almeno 1 mese).

    Prestiti Banca o finanziaria

    ProgeCAD: il CAD 2D, disegno interni.

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    Disegno interni

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    10 ragioni per scegliere progeCAD

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    progeCAD 2018

    progeCAD 2018 include nuovi strumenti e funzionalità, come: Render Avanzato, Importazione file SHAPE-ESRI, Comando Superhatch, DWGConverter, Stampa STL 3D, Collada DAE, Convertitore da PDF a DWG, Vettorializzatore.

    Supporto a SpaceMouse 3D Connexion

    PDF to DWG – Converti i file PDF a DWG

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    Linee, forme, testi importati dal file PDF possono essere modificati in progeCAD come oggetti originari del disegno CAD.

    EasyArch Plugin Architettonico 3D gratuito

    progeCAD Professional include il potente modulo EasyArch 3D per l’Architettura pensato per aumentare la produttività nella creazione di disegni di edifici e l’arredamento di interni.

    Esportazione PDF 3D

    progeCAD offre la funzionalità di creazione di file PDF che contengono il modello 3D interattivo del disegno, visualizzabile semplicemente con Adobe ® Reader ® . Permette una facile ed efficace comunicazione dei vostri oggetti tridimensionali all’interno del team di progettazione e facilita la comunicazione con gli utenti finali senza bisogno di software aggiuntivi o conoscenze CAD.

    Scarica un esempio *Attenzione, salvate il file su disco e apritelo con Adobe ® Reader ® . Il contenuto 3D NON funziona se visualizzato nel browser

    iCADLib – 20.000 blocchi CAD gratis

    Con iCADLib, che dispone di più di 20.000 blocchi Architettonici, Meccanici ANSI-ISO e DIN-ISO, Profilati Metallici, Elettrici, Elettronica, Arredo 3D e Cucine il vostro lavoro diventa più facile. Incluso in progeCAD Professional e iCADMac offre accesso free a tutte le librerie Traceparts e Cadenas

    Car Insurance Quotes – Auto Insurance, Progressive, cheap insurance in california.

    #Cheap #insurance #in #california

    Car Insurance

    Get a quote you could save $620 *

    Ways you can save on car insurance with Progressive

    More than 18 million drivers are insured by Progressive, making us one of the largest and most trusted car insurance companies. ** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

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    Liability (bodily injury and property damage)

    Covers damages you cause to others

    If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.

    Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

    Comprehensive and collision

    Covers damage to your car

    These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

    Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

    Uninsured/underinsured motorist

    Covers your injuries and damages

    These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

    Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

    Medical payments

    Covers your injuries

    Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

    Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

    Rental car reimbursement

    Covers rental car fees

    Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

    Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).

    Loan/lease payoff

    Helps pay off your loan when your car is totaled

    Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

    Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

    Progressive guarantees repairs

    Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

    Progressive Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.

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    Get an auto insurance quote online or call for advice

    • Home
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    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    Mobile rates are for policies purchased directly from Progressive.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Discount varies and is not available in all states or situations

    The Progressive Group of Insurance Companies, comprised of Progressive Casualty Insurance Company and its affiliates, is the country’s fourth largest auto insurer.

    Discounts not available in all states and situations

    You’ll get more information when you quote. All coverages subject to policy terms and conditions.

    National survey of new Progressive auto customers in 2015.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.

    M – s que un Seguro de Viaje, seguro internacional.

    #Seguro #internacional

    Asistencia al viajero

    Cotiza tu ASSIST CARD

    Asistencia al viajero

    Asistencia al viajero


    Personaliza tu asistencia al viajero sumando los siguientes beneficios:


    Amplia tu monto de cobertura de USD60,000 según el viaje que vas a realizar.

    Por qu ? Puede ser que no te pase nada, pero las eventualidades suceden, y si cont s con asistencia m dica tendr s la tranquilidad de poder hacer frente a esos gastos. Recuerda que una apendicitis en USA puede costar desde USD37,000!


    Con esta cobertura médica cubrimos los gastos de hospitalización hasta la estabilización del paciente.

    Por qu ? La cobertura m dica en el exterior suele ser muy costosa. Un d a de internaci n en USA cuesta USD3,000. Si viajas y sabes previo a salir de tu pa s que ten s una enfermedad pre existente, sugerimos ampliar el monto de cobertura.


    Ante la posibilidad de pérdida de equipaje, te reembolsamos USD3,000.

    Por qu ? Cuando salimos de viaje nos llevamos la mejor ropa prot gela! Durante el ltimo a o m s de 24.000.000 de maletas fueron extraviadas.


    Traslado del paciente a su lugar de origen en un avión con equipo médico de alta complejidad.

    Por qu ? Conseguir ayuda de terceros en el traslado de un paciente delicado suele ser casi imposible. Contando con este seguro, estar s tranquilo de que s la situaci n del paciente requiere de una repatriaci n (traslado) sanitaria.


    Reembolso de hasta USD1,000 para tus dispositivos (Smartphone, Tablet y notebook).

    Por qu ? En vacaciones nos relajamos, y se incrementa la posibilidad de sufrir un robo, que nos puede amargar el viaje que tanto esperamos disfrutar.


    Cobertura para accidentes provocados por la realización de un deporte amateur o profesional.

    Por qu ? Al hacer un deporte, la posibilidad de que exista un evento que implique la necesidad de contar con una asistencia m dica compleja es mayor.


    Amplia tu monto de cobertura de USD60,000 según el viaje que vas a realizar.


    Con esta cobertura médica cubrimos los gastos de hospitalización hasta la estabilización del paciente.


    Ante la posibilidad de pérdida de equipaje, te reembolsamos USD3,000.


    Traslado del paciente a su lugar de origen en un avión con equipo médico de alta complejidad.


    Reembolso de hasta USD1,000 para tus dispositivos (Smartphone, Tablet y notebook).


    Cobertura para accidentes provocados por la realización de un deporte amateur o profesional.


    ¿Viaje de estudio? ¿Viaje de placer? ¿Viaje de intercambio? ¿Work float: reght; margin: 5px;”>

    Seguro de Coche Barato, Seguros Broker, seguro de coche mas barato.

    #Seguro #de #coche #mas #barato

    Compara y contrata online tu seguro de automуvil

    El mejor seguro de autos

    • En te ayudamos a encontrar tu seguro de auto en sуlo 2 minutos.
    • Los mejores precios del mercado y las mejores coberturas de seguros de auto para tu automуvil.
    • Te resolvemos todas tus dudas. Ademбs puedes contratar tu seguro de automуvil online o por telйfono.

    Con las mejores compaснas

    Cуmo calcular tu seguro de automуvil

    Calcular tu seguro de auto en es muy fбcil y rбpido. Sуlo tienes que rellenar un pequeсo formulario y en menos de 2 minutos, tendrбs precio para tu seguro de automуvil con la opciуn de comparar precios y coberturas que te ofrecen diferentes compaснas.

    Ademбs si tienes dudas, te ayudaremos a decidir y elegir el seguro que cubre tus necesidades. En puedes contratar tu seguro de auto desde nuestra pбgina web o por telйfono.

    їQuй tener en cuenta antes de contratar un seguro de automуvil?

    La ley establece que todos los vehнculos a motor han de estar asegurados a pesar de que no usemos nuestro auto y estй parado en el garaje.

    El uso que le demos a nuestro automуvil serб determinante en el tipo de seguro que necesitamos. Existen diferentes modalidades de seguro de automуvil que pueden cubrir nuestra demanda.

    Un seguro por dнas para tu auto serб una buena opciуn en caso de necesitar un seguro para determinados dнas por diversos motivos, pero no como opciуn de seguro elegido ya que puede salir mбs caro a la larga.

    Ademбs del uso que le das a tu automуvil, antes de contratar un seguro de auto es importante tener en cuenta si duerme o no en garaje, si recorres muchos kilуmetros (y por tanto valorar una asistencia en carretera desde km 0), y otros aspectos como el valor venal y valor de nuevo que te ofrece tu compaснa, aspecto que puede variar de una a otra.

    • El valor venal es el valor del vehнculo en el momento del siniestro. Es el valor de venta de un coche de las mismas caracterнsticas de modelo, antigьedad y extras (si los tuviera). Este valor es diferente al valor de compra.
    • El valor de nuevo, responde al importe con el que la compaснa nos indemnizarб en caso de siniestro. Es el valor que tiene el vehнculo nuevo con las mismas caracterнsticas y extras.

    Opiniуn de nuestros clientes

    “No sй que tipo de seguro de coche necesito, pero un agente me aconsejу para contratar mi seguro con las coberturas adecuadas.”

    Otros productos

    Ayuda a tus amigos a encontrar un mejor seguro

    Compartir en Facebook

    Compartir en Twitter

    Compartir en Google +

    Elige el seguro de coche que mejor se adapta a tus necesidades comparando precios y coberturas

    Un seguro para moto que te protege a ti y a tu vehнculo, con las coberturas que necesitas

    Con tu seguro de hogar, tu vivienda y tus pertenencias estarбn aseguradas. Lo mбs importante desde muy poco.

    Las mejores soluciones para encontrar tu seguro de salud y el de tu familia

    Para uno de los momentos mбs difнciles, seguro de decesos con las mejores coberturas

    Seguros de vehнculos

    Seguros por dнas

    Un seguro por dнas es la mejor soluciуn cuando necesitas asegurar tu automуvil por un tiempo limitado antes de contratar tu seguro anual. Consulta todas nuestras opciones.

    Seguros de motos

    Asegurar tu moto es muy fбcil con las opciones que te brindamos en En nuestra pбgina podrбs encontrar toda la informaciуn de interйs para tu seguro de moto y cуmo contratarlo.

    Seguro de conductor altamente protegido

    Es un Seguro de Accidentes que cubre al conductor del automуvil aun habiendo sido el responsable del accidente. Este seguro garantiza al asegurado declarado en la pуliza mientras conduzca cualquier vehнculo.

    Preguntas relacionadas

    Quй es lo mбs importante para comparar seguros de auto

    Conductor ocasional

    Valor venal

    Valor de nuevo

    Diferencias entre un seguro de automуvil y un seguro por dнas

    Un seguro de automуvil y un seguro por dнas, son muy similares. La principal diferencia es la duraciуn del seguro.

    Con un seguro de automуvil, aseguramos nuestro vehнculo por un periodo de duraciуn de un aсo, mientras que con un seguro por dнas es para un periodo comprendido de 1 a 28 dнas.

    Un seguro por dнas es muy ъtil para situaciones temporales, tales como que te hayan prestado un automуvil para unos dнas, que lo hayas comprado fuera de Espaсa y lo necesites para su traslado, una soluciуn temporal mientras contratas tu seguro de automуvil anual, …

    Un seguro por dнas, a la larga, puede resultar mбs caro que un seguro de automуvil pero es una soluciуn perfecta para determinadas situaciones.

    Aquн puedes ampliar mбs la informaciуn acerca de los seguros por dнas para automуvil.

    Modalidades de seguro de automуvil

    Si eres propietario de un automуvil estбs obligado a contratar y a mantener en vigor una pуliza de seguro que garantice la Responsabilidad Civil del conductor por los daсos que ocasione a otras personas o a bienes de terceros.

    Cuando comparas precio de seguro de automуvil, puedes elegir entre las diferentes modalidades que ofrecen las compaснas de seguros y que se adaptaran a tus necesidades:

    • Terceros: Es el seguro mбs bбsico y mнnimo que podemos contratar. Esta modalidad incluye la Responsabilidad Civil Obligatoria ademбs de Responsabilidad Civil Voluntaria, Protecciуn Jurнdica del Automovilista, Seguro de Accidentes, Asistencia en Viaje, Recursos de Multas y Servicio de Consultorнa sobre el Automуvil
    • Terceros Ampliado: la modalidad de terceros ampliado mбs completa incluye las coberturas de robo, incendio y lunas, ademбs de las incluidas en la modalidad de seguro de automуvil a terceros
    • Todo Riesgo: un seguro de automуvil a todo riesgo, es la opciуn mбs completa, ademбs de contar con todas las coberturas que incluye la modalidad de terceros ampliado, cuenta con la cobertura de daсos propios. Esta modalidad es recomendada cuando nuestro automуvil es nuevo o hacemos un gran uso de йl.

    їQuй influye en el precio de un seguro para automуvil?

    Hay diversos factores que influirбn en el precio de nuestro seguro de automуvil y es importante tenerlos en cuenta antes de comparar. Esto nos ayudarб a comprender mejor los precios ofertados por las compaснas de seguros y a encontrar los que se ajustan a nuestras necesidades.

    • Tipo de pуliza: El tipo o modalidad de pуliza que contratemos influirб directamente en el precio. No pagaremos lo mismo por un seguro a terceros que por un todo riesgo.
    • Tipo de automуvil: El objeto asegurado es fundamental en el precio. La marca del auto, modelo, cilindrada del motor o el tipo de combustible influirбn en el precio final. El valor del automуvil y su potencia son decisivos.
    • Compaснa de seguros: la filosofнa, criterios, modelo de compaснa, pueden influir directamente en los precios de seguro de automуvil de cada compaснa.
    • Perfil de conductor: la edad, antigьedad del carnй de conducir, estado civil, … son aspectos que pueden condicionar el precio de nuestro seguro automуvil ademбs de otros factores como aparcar el coche en garaje, la localidad de residencia o los siniestros en los que nos hayamos visto involucrados.

    Mбs informaciуn acerca del seguro para automуviles

    Solicitar carta verde

    Cuбndo no cubre un Seguro de automуvil

    Cуmo asegurar jуvenes conductores

    Cуmo influye la siniestralidad

    Coberturas para pуlizas de automуvil

    їPor quй contratar tu seguro de automуvil con

    En nos avala un gran equipo de asesores que te ayudarбn a encontrar el seguro para tu automуvil que mejor cubre tus necesidades.

    Segurosbroker nace en el aсo 2.000 siendo la primera corredurнa online de Espaсa, Desde entonces no ha dejado de innovar y en la actualidad cuenta con un amplio abanico de productos aseguradores contratables 100% online, ademбs de mъltiples herramientas online para encontrar el mejor programa de seguros para el usuario asн como la posibilidad de gestionar de forma digital sus pуlizas desde un бrea personal. Cuenta con presencia en Espaсa y Mйxico y reconocidos galardones como el premio a la mejor corredurнa online del decenio, otorgado por Capgemini.

    La estructura económica y financiera de un hotel promedio, como calcular un prestamo bancario.

    #Como #calcular #un #prestamo #bancario

    La estructura económica y financiera de un hotel promedio

    Resumen: Es conveniente antes de proceder a realizar una evaluación en firme de una inversión hotelera, realizar primero un perfil que sea exploratorio y que permita discutir con la clientela o el inversionista los parámetros y criterios que serían utilizados.

    Palabras claves: inversión hotelera, perfil hotelero, evaluación exploratoria.

    Cuando se prepara un proyecto hotelero es útil primero hacer unos estimados gruesos que sirvan para estimar un perfil o un documento tentativo que sería muy parecido a una hipótesis. Para ese objetivo es necesario conocer los parámetros básicos de un hotel promedio, a los fines de calcular la posible inversión por rubros, la posible tarifa para la venta de las habitaciones, la capacidad de trabajo y el perfil del hotel, el posible financiamiento de la inversión, las depreciaciones de los activos, la posible venta departamental, los costos y gastos operativos y generales, y el posible flujo de caja que sería la base para realizar la evaluación de la rentabilidad hotelera.

    Podemos establecer que el tamaño medio de un hotel puede ser de digamos 218 habitaciones. Con este dato podemos estimar la posible inversión total para un proyecto de un hotel de ese número de habitaciones al multiplicar por US$ 150.000, es decir :

    218 x US$ 150.000 = US$ 32.700.000

    Tarifa media estimada

    A partir de esa inversión total podemos hacer algunas estimaciones aproximadas. Por ejemplo la posible tarifa media a cobrar por habitación podría ser estimada en US$150 por habitación vendida.

    Capacidad instalada y capacidad usada : perfil hotelero

    Empíricamente los hoteles estarían de acuerdo que una capacidad media al año, considerando la estacionalidad, podría ser del 63% de la capacidad total instalada. Si este dato fuese aceptable entonces podemos obtener el perfil de este posible hotel de esta manera :

    218 habitaciones x 0,63 x 365 noches al año = 50.129 habitaciones al año vendidas

    50.129 habitaciones al año x US$ 150 = US$ 7.519.350 venta anual de habitaciones.

    Suponiendo que la doble ocupación media de este hotel sea igual a 1,8 personas por habitación, entonces el número total de usuarios-noches o sea las pernoctaciones totales se ubicarían en : 50.129 x 1,8 = 90.232 usuarios-noches- año

    La experiencia indica que en un hotel de esta categoría (digamos 4 estrellas) es posible que el 70% de los alojados sean visitantes de negocios y el 30% restante visitantes por otros tipos de viajes y además que los visitantes por motivo de negocios pueden tener una estadía media de más o menos 5 noches y los otros visitantes una estadía media mayor digamos 10 noches, lo cual nos daría como resultado que la estadía media pesada sería igual a : 7 x 0,70 = 4,9 y 10 x 0,30 =3,0, lo cual nos indicaría que es posible que la estadía media de todos los clientes pueda ubicarse en : 4,9 + 3,0 = 7,9 noches. Si esto fuese así, entonces el número total de visitantes que pueda captar este hotel al año sea igual a : 90.232 usuarios-noches-año entre 7,9 estancia media = 11.422 usuarios al año.

    Estructura de los activos a invertir

    Este posible hotel de 218 habitaciones y con una inversión media total de más o menos US$ 32.700.000, seguramente se nos presente con una estructura de sus activos invertidos de esta manera:

    Inversión en suelo o tierra 15% de la inversión total (si el hotel se ubicaría en zona sub-urbana o bien 30% de la inversión total si se ubicaría en zona urbana). Digamos que podemos estimar una media igual a 23% de la inversión total como inversión en suelo, o sea : US$ 7.521.000. La inversión en construcción civil o sea la construcción del hotel que se colocaría en ese suelo se puede estimar en aproximadamente una media del 50% de la inversión total, a fin de dejar un promedio del 20% para maquinas, equipos y dotaciones y un 7% del total de la inversión para estimar el capital de trabajo (especialmente para mantener una cuenta corriente en los bancos y un almacén de productos y materias primas para un mes aproximadamente) y otros activos, especialmente los diferidos que corresponden a estudios y gerencia del proyecto. Entonces, podemos estimar la construcción de este hotel en más o menos US$16.350.000 (50% de la inversión total) y estimar las maquinarias, equipos y dotaciones en más o menos US$ 6.540.000 (20% de la inversión total), y finalmente el resto para cubrir el capital de trabajo, los activos o gastos diferidos y algunos imprevistos, es decir : US$ 9.810.000, distribuido de esta manera: 10% de imprevistos (US$ 3.270.000), 15% capital de trabajo ( US$ 4.905.000) y 5% activos diferidos (US$ 1.635.000).

    Aporte propio y aporte crédito

    Los hoteleros acostumbran a negociar con los banqueros un préstamo o un crédito de al menos el 60% de la inversión total, a fin de dejar el 40% restante para inversión patrimonial o capital propio. La mayoría de los banqueros exigen una garantía hipotecaria de primer grado sobre el inmueble más otras garantías colaterales y en general otorgan el préstamo a 10 años de plazo y al 12% de interés anual sobre saldo deudor (o el 1% de interés mensual durante 12 meses). En este caso de un hotel medio que pudiese estar invirtiendo una cantidad igual a US$ 32.700.000, el banco podría otorgar un préstamo estimado en US$ 19.620.000 (el 60% de la inversión total) y entonces el banco esperaría recuperar el capital prestado igual a US$ 19.620.000 más los intereses año a año. La cantidad anual que se estima pagar por concepto de interés y amortización del principal combinados será igual a : US$ 19.620.000 x 0,17694 = US$ 3.471.563. Es decir, se debe pagar anualmente, durante 10 años, esa cantidad para cancelar el préstamo bancario con interés compuesto del 12% sobre saldo no reembolsado o saldo deudor.

    En seguida se podría calcular una tabla de amortización para todo el período, pero aquí aparece sólo para los 12 meses del primer año expresado en miles de US$ (digamos el año 2.005), como sigue:

    Car Insurance – Your Health Insurance, personal injury protection auto insurance.

    #Personal #injury #protection #auto #insurance

    Car Insurance and Your Health Insurance

    Accidents happen, it’s important to know which insurances your personal injury protection (PIP) insurance, the other driver’s bodily injury insurance, or your health insurance cover the cost of personal injury. Insurance Finder

    Join 1,972,984 Americans who searched for car insurance rates:

    How Does Car Insurance Work with Health Insurance?

    Medical car insurance coverages will help you pay for your injuries, whether or not you already hold health insurance.

    In theory, you car insurance coverage should pay first. This means that once your limits are exhausted, you may begin tapping into your health insurance for additional costs. Consult your insurance carriers for details.

    Medical providers will likely perform necessary care services and then work with your auto insurance company to facilitate payment. Remember that you will be responsible for deductibles on any policies that you use.

    Which Car Insurance Coverages Pay for Injuries?

    Some car insurance companies offer coverage that help pay for medical expenses, too.

    • Liability coverage.
    • PIP.
    • Medical payments coverage.
    • Uninsured and underinsured motorist coverage.

    In most states, liability coverage is the minimum coverage a person is required to hold.

    That said, liability protection for medical coverage only applies if the other driver is at fault meaning, the other driver’s liability coverage would pay for your injuries.

    Your own liability coverage never pays for your own damages.

    Generally, PIP insurance, also known as “no-fault coverage,” is is only available in no-fault states. It is often required, but may be available as additional optional coverage.

    PIP insurance pays for your injuries without regard to fault. So unlike liability coverage, which will only pay out damages to the other driver when you’re at fault, PIP will cover you even if you caused the accident.

    PIP, for example, can help you pay for:

    • Personal injury expenses related to the accident, such as:
      • Hospital and doctor’s bills.
      • Prescriptions.
      • In-home services and rehabilitation.
    • Lost wages, such as those due to a disability arising from the accident.
    • Funeral expenses.

    You can learn more about no-fault coverage and no-fault states on our PIP Insurance page.

    Similar to PIP, medical payments coverage kicks in when you exceed your regular health insurance limits.

    In addition to medical costs and funeral expenses, medical payments coverage can also include the costs to:

    • Your passengers.
    • You, if you’re a passenger in someone else’s car.
    • You, if you’re struck by a car while walking or cycling.

    Uninsured and Underinsured Motorist Coverage

    As mentioned above, depending on another driver to carry enough insurance (or, in some cases, any insurance) is risky.

    Adding uninsured and underinsured motorist coverage to your car insurance policy financially protects you against motorists who don’t have enough or any coverage to pay for the personal injuries they’ve caused you.

    Talk to your car insurance provider about whether these coverages would benefit you.

    What Is Required?

    Generally, only liability coverage is required, although some states require collision and comprehensive coverage if you’re leasing a vehicle or still have a loan on it.

    As explained above, personal injury protection (PIP) is required in no-fault states, though some allow you to waive the coverage in writing.

    Certain states may require other coverages, but for the most part all other types are considered optional. Take into account your health insurance coverage and how much protection you want or need before making a decision on additional car insurance coverages.

    Deciding What You Need

    Note that certain car insurance coverages will go beyond just medical bills. For examples, PIP insurance pays for lost wages due to accident-related injuries.

    See “Which Coverages Pay for Injuries” above for more detailed information on each of these extra coverages. Insurance Finder

    Join 1,972,984 Americans who searched for car insurance rates:

    Provide Feedback

    Was this information helpful?

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    To share your feedback, please visit our Customer Care page.

    We’re sorry that this page was not helpful.

    Banco de España – Servicios – De interés general – Conducta de mercado y reclamaciones, quejas de consumidores.

    #Quejas #de #consumidores


    Conducta de mercado y reclamaciones

    • Quejas de consumidores

    El Departamento de Conducta de Mercado y Reclamaciones asume las funciones del Servicio de Reclamaciones e incorpora competencias en materia de conducta de mercado, transparencia informativa, buenas prácticas, información a consumidores, educación financiera y resolución de conflictos.

    Educación financiera

    En este ámbito, y en colaboración con la Comisión Nacional del Mercado de Valores (CNMV) , desarrolla el Plan de Educación Financiera, cuyo objetivo es la mejora de los conocimientos prácticos sobre finanzas de la población. Su fin es el de que los ciudadanos estén en condiciones de afrontar, con un mayor conocimiento, sus decisiones económicas y reforzar así la sostenibilidad del sistema financiero.


    Atiende las consultas que pueden formular los usuarios financieros sobre las normas aplicables en materia de transparencia y protección a la clientela, así como sobre los cauces legales existentes para el ejercicio de sus derechos.

    Reclamaciones y quejas

    Resuelve las reclamaciones y quejas que presentan los usuarios de las entidades supervisadas por el Banco de España con la pretensión de obtener la restitución de sus intereses y derechos legalmente reconocidos, como consecuencia de presuntos incumplimientos por las entidades reclamadas, de la normativa de transparencia y protección de la clientela o de las buenas prácticas y usos financieros.

    No admite aquellas reclamaciones que:

    • No se han formulado previamente ante el servicio de atención al cliente/defensor del cliente de la entidadQuejas de consumidores.
    • Pretenden un pronunciamiento sobre el carácter abusivo de una determinada cláusula contractual.
    • Plantean controversias sobre la valoración económica de los daños y perjuicios que eventualmente se hayan podido ocasionar a los usuarios financieros.
    • No se refieren a operaciones concretas. No compete a este Departamento realizar una auditoría completa de todos los movimientos registrados en las cuentas de los clientes y que se reflejan en los extractos periódicos o documentos de liquidación emitidos por las entidades.

    Su actuación concluye con un informe motivado que no tiene carácter vinculante para ninguna de las partes.

    En el Portal del Cliente BancarioQuejas de consumidores se ofrece un detalle de los procedimientos a seguir en la presentación de consultas, quejas o reclamaciones, así como de otros aspectos que pretenden contribuir a mejorar el conocimiento de los consumidores sobre las disposiciones que les afectan. No obstante, puede acceder directamente a los procedimientos en el siguiente enlace:

    Si desea conocer la red creada por la Comisión Europea que agrupa a las organizaciones nacionales de los distintos estados miembros responsables de resolver por vía extrajudicial las reclamaciones de los clientes de servicios financieros puede consultar los siguientes enlaces:

    Insurance – Compare Insurance Policy Quotes – Life, Car, Health, Travel, online insurance comparison.

    #Online #insurance #comparison

    India’s Best Insurance Destination

    Compare 250+ plans

    to save upto 30%

    Always at your service

    Toll Free – 1800 258 5970

    Over 10L Crore
    Cancellation Support
    2374 People

    Currently comparing online

    IAMAI’S best financial

    Website award, 2013-14

    PolicyBazaar is an IRDAI approved web aggregator based in Gurgaon, Haryana. We provide customers with an online platform where consumers can compare different insurance policies such as car insurance, life insurance, two wheeler insurance, term insurance, and retirement plans with a single click of a button from the comfort of home and make an informed choice. This comparison of insurance plans paves the way for availability of information and gives everyone an easy and free access. We have tied up with 50+ insurance companies in India to offer consumers with a myriad of options. PolicyBazaar makes use of smart technology in order to make the entire insurance buying smooth for consumers.

    Our sole objective is to help customers make an informed decision when buying a policy online. This can be done by comparing different policies available on our portal. Insurance companies offer various policies and it becomes the more necessary to compare them before choosing the right one. Also, the chances of getting the best policy increases with insurance comparison as it allows you to scan through features, benefits, and premium rates of different plans and choose the most apt policy. Therefore, we at PolicyBazaar, assist consumers with:

    • Comparing and Buying Insurance Policies
    • Filing for a Claim
    • Renewing policies

    We majorly showcase insurance offered by 50+ prominent public and private insurers across India which falls under two categories:

    • Life Insurance – Term life insurance plan, Whole Life Plans, Endowment Plans, Money Back Plans, ULIPs – A, Child Plans, and Retirement Plans.
    • General Insurance – Car Insurance, Health Insurance, two wheeler Insurance, Travel Insurance, Home Insurance, Corporate Insurance, Critical Illness, and Personal Accident.

    Our partners are from diverse insurance sectors – term insurance, health insurance, car insurance, travel insurance, and corporate insurance. Partnerships enhance their services and showcase the price and policies details directly from the insurance company.

    Benefits of applying through our portal:

    • Quick Decision Making: Our online platform helps you make an informed buying decision in a simple and convenient manner. You can compare cost and features of the various insurance policies available. Our platform also helps you understand each product’s features completely so that you can easily decide on one that fits your needs.
    • Low Premium rate but more coverage: As compared to policies bought offline, we offer more insurance coverage as the add-on costs being factored into the purchase are lesser.
    • Absence of intermediaries: We do not involve any intermediaries unlike the traditional mode of buying insurance. Our consumers can compare and buy insurance directly through our portal. As there are no intermediaries, there are no commission charges. Hence there is reduction in the operational costs and other overheads. As this result in reduced overall costs for companies, the benefits are usually passed on to the customers in the form of low premium offers.
    • 24*7 Customer Service: Our insurance experts are available 24*7 so that consumers can seek clarification in case of doubt or confusion. This will enable you to compare the products without any ambiguities.
    • Seamless navigation: We have a strong technological edge which makes the insurance application process seamless. We employ smart-logic driven quote forms that populate questions on the basis of customer demographics and profile. With this, you will be able to compare and buy insurance products through our portal easily. The insurance premium is system generated, which therefore, removes any instances of human error and the time taken to calculate premiums is considerably reduced.

    No matter what type of insurance policy you intend to buy—life, health, home, car, or two wheeler insurance among others, PolicyBazaar provides you a platform where you can compare and buy policies as well as save on premium. In this way, you can be rest assured that the policy chosen is not only the best but affordable too.

    Agence immobilière – Annonces immobilières – Laforêt Immobilier, location maison par agence immobiliere.

    #Location #maison #par #agence #immobiliere

    33 122 annonces immobilières

    Les agences Laforêt

    Trouvez l’agence immobilière la plus proche de chez vous.

    • 9 Français sur 10 connaissent Laforêt
    • 700 Agences en France
    • 30 000 Transactions annuelles

    Je m’installe

    Le service clé en main “Je m’installe” par Laforêt vous accompagne lors de votre déménagement et de votre installation ! Accédez à tous les outils nécessaires pour faciliter votre déménagement et installation vous permettant de bénéficier de tarifs négociés sur de grandes marques. Profitez ainsi d’offres exclusives (déménageurs, contrat d’assurance, d’énergie, Internet, …) sélectionnées pour vous et réalisez des économies *

    * suivant offre proposée par les prestataires partenaires

    Les services Laforêt

    Avec Laforêt, profitez d’un accompagnement personnalisé et de services à chaque étape de votre projet immobilier.


    Le meilleur des services Laforêt dans un mandat exclusif de vente


    Vous bénéficiez du i-Suivi pour suivre en ligne la vente de votre bien


    Votre achat garanti pendant 1 an avec le mandat Favoriz Laforêt !

    Favoriz Location

    Laforêt vous propose des services adaptés pour trouver votre locataire et simplifier vos démarches.

    Assistance 24/24

    En cas de panne de vos équipements, bénéficiez d’un service de dépannage d’urgence à domicile 7j/7 et 24h/24.

    Garantie revente

    La Garantie Revente vous permet d’avoir l’esprit libre en cas d’accident de la vie grâce à une indemnisation et autres avantages.

    Plans 3D

    Le plan 3D permet à un acquéreur de visualiser un bien avec son propre aménagement en seulement quelques clics.

    Photos Pro

    Grâce à notre réseau de photographes professionnels, votre bien sera mis en valeur avec des photos de qualité.

    Visite virtuelle

    Grâce à cette nouvelle technologie l’acquéreur découvre le bien en un instant et peut se déplacer de pièce en pièce.

    La signature électronique

    Grace à notre nouveau service de signature électronique plus besoin de vous déplacer pour signer votre mandat ou votre compromis.

    Les outils Laforêt

    L’achat, la vente ou la location d’un nouvel appartement ou d’une nouvelle maison sont des projets immobiliers parfois complexes. Pour chaque étape de votre projet et quel qu’il soit, met à votre disposition des outils en ligne : de l’estimation de prix de votre bien à la simulation de vos mensualités en passant par le calcul de la plus-value.

    Estimer votre appartement en ligne

    Obtenez une pré-estimation en quelques clics

    Estimer votre maison en ligne

    Obtenez une pré-estimation en quelques clics

    Simuler votre prêt immobilier

    Calculez le montant de votre prêt immobilier

    Calcul de la plus-value

    Calculez le montant de votre impôt sur la plus-value lors de la vente

    Calcul DPE de votre appartement

    Simulez les performances énergétiques de votre appartement

    Calcul DPE de votre maison

    Simulez les performances énergétiques de votre maison

    L’actualité immobilière

    Vous souhaitez vendre, acheter ou louer ? Retrouvez toute l’information et les conseils de l’immobilier :

    de l’installation à la gestion de votre bien, en passant par les tendances déco.

    Bail meublé, bail non meublé : quelles différences ?

    Louer son logement vide ou meublé ? Au-delà du régime fiscal, qui obéit à des règles spécifiques, les conditions de la location seront différentes. Lorsque le bien est la résidence principale du locataire, la loi du 6 juillet 1989 s’applique.

    Petits soucis du quotidien : que faire et qui.

    Quand on est jeune locataire et que l on vient d emménager, on ne sait pas toujours quoi faire et qui contacter en cas de petit souci du quotidien.

    Pourquoi adopter une toiture végétalisée ?

    Esthétiques et utiles, les toitures végétalisées se multiplient sur tous les types d architectures : musées, restaurants, mais aussi bureaux ou maisons de particuliers. Le concept vous intéresse .

    Quelle réglementation pour effectuer des travaux chez.

    La réglementation applicable aux travaux susceptibles d’être réalisés chez soi varie selon le type de travaux que vous souhaitez réaliser.


    Le lexique immobilier vous donne une définition accessible de certains termes à connaître avant l’achat ou la location d’un bien immobilier : « Bon de visite », « droit de préemption », « conditions suspensives ». autant d’expressions dont vous trouverez la signification dans le lexique immobilier. Après avoir affiné vos connaissances grâce au lexique immobilier, n’hésitez pas à consulter nos annonces disponibles sur le site.

    Laforêt recrute

    A saisir, belle opportunité de carrière dans l’immobilier ! Rejoignez le Réseau Laforêt ! Dans le cadre de son développement, le Réseau Laforêt recrute des collaborateurs dynamiques et dotés d’un fort sens du service. En rejoignant le Réseau Laforêt, vous bénéficiez d’une politique de formation et de méthodes éprouvées ayant pour objectif de faire de vous un(e) professionnel(e) de l’immobilier.

    Laforêt sur mobile

    Vous cherchez à vendre, acheter ou louer un bien immobilier ? Laforêt vous accompagne partout et à chaque instant pour vous aider à concrétiser votre projet immobilier : téléchargez gratuitement la nouvelle application Emotimmo qui vous permettra de trouver rapidement et simplement votre logement idéal, mais également de contacter nos experts pour demander une estimation personnalisée de votre bien immobilier.

    DIRITTO ANNUALE, cciaa on line.

    #Cciaa #on #line





    CNS / SPID

    CNS, Firma Digitale e SPID sono le chiavi di accesso ai servizi digitali che le Camere di Commercio offrono alle imprese per gestire le fatture elettroniche, spedire pratiche, accedere alle informazioni del Registro Imprese e allo Sportello Unico per le Attività Produttive.

    Con CNS e Spid dialoghi in modo veloce e sicuro con tutte lePubbliche Amministrazioni.

    Carta Nazionale dei Servizi (CNS)

    La CNS delle Camere di Commercio offre già ad oltre 1.500.000 cittadini-imprenditori sia un’identità digitale, che la Firma Digitale per sottoscrivere atti, documenti e pratiche telematiche, utilizzando una smart card, un dispositivo usb e a breve anche un’app da tablet e smartphone.

    Sistema Pubblico di Identità Digitale (SPID)

    Con SPID cittadini e imprese possono accedere in modalità sicura e garantita ai servizi online della Pubblica Amministrazione e dei privati, con un’unica Identità Digitale, usando lo stesso nome utente e password, da computer, tablet e smartphone.

    COS’È pagoPA?

    pagoPA garantisce a privati e aziende di effettuare pagamenti elettronici alla PA in modo sicuro ed affidabile, semplice ed in totale trasparenza nei costi di commissione.

    pagoPA è una iniziativa promossa dalla Presidenza del Consiglio dei Ministri in attuazione dell’Agenda Digitale Italiana alla quale tutte le PA devono aderire.

    pagoPA ti permette di scegliere direttamente dal sito, con la massima sicurezza, tramite:

    • Bonifico bancario o bollettino postale on-line
    • Carta di credito o debito o prepagata

    pagoPA è un sistema pubblico, che garantisce a privati e aziende:

    • Sicurezza ed affidabilità nei pagamenti e che il pagamento sia a titolo definitivo e liberatorio in quanto l’importo dovuto viene certificato dalla PA senza possibilità di errori ed omissioni, fatta la sola eccezione per il pagamento dei tributi il cui importo venga determinato in autoliquidazione dal pagatore.
    • Semplicità e flessibilità nella scelta delle modalità di pagamento (es. addebito in conto, carta di credito, …) o presso altri canali come ad esempio il supermercato e i tabaccai.
    • Trasparenza nei costi di commissione

    Dipendenti statali -il Blog – Blog Archive – Inps Ex Inpdap: Come richiedere il conteggio estintivo per prestiti Inpdap dal portale Inps gestione ex Inpdap, inpdap prestiti.

    #Inpdap #prestiti

    Dipendenti statali -il Blog-

    Appunti e riflessioni: La Community dei Dipendenti Statali e Pubblici


    Commenti recenti

    • Ruggero su Rinnovo Contratti Statali
    • simone su Dipendente pubblico prestazione occasionale: è possibile?
    • fedele su Vacanze Studio INPDAP INPSieme Tutto quello che ti serve sapere
    • admin su Dipendente statale si fa rimborsare € 4524,00 di commissioni della cessione del quinto rinegoziata.
    • Fioretti Giovanni su Dipendente statale si fa rimborsare € 4524,00 di commissioni della cessione del quinto rinegoziata.


    Inps Ex Inpdap: Come richiedere il conteggio estintivo per prestiti Inpdap dal portale Inps gestione ex Inpdap

    Inps ex Inpdap, servizi online. Con l’integrazione dell’Inpdap all’interno dell’Inps, sono cambiate alcune delle procedure per ottenere alcuni servizi. Nel caso dei prestiti Inpdap e altri servizi di credito che prestava l’Inpdap, ora è necessario realizzarli tramite il portale online Inps ex Inpdap. In questo articolo vogliamo chiarire come richiedere il conteggio estintivo per un prestito Inpdap, tramite il portale dell’Inps gestione ex Inpdap.

    I dipendenti e pensionati Inpdap, ad oggi, hanno la possibilità di consultare tutte le informazioni sui loro eventuali prestiti con l’INPDAP, attraverso i servizi online del portale dell’Inps ex Inpdap. In questo modo è possibile controllare le scadenze, gli importi e le rate da pagare, comodamente da casa.

    Inoltre esistono alcune operazioni, riguardo i prestiti, che devono essere realizzate tramite Internet. Ad esempio, la richiesta di un conteggio estintivo di un prestito o di un mutuo Inpdap.

    In questo articolo vogliamo chiarire la procedura riguardo lInps ex inpdap in quanto, secondo hanno denunciato alla nostra redazione molti dipendenti pubblici, non tutti gli iscritti sono stati avvertiti di queste modifiche procedurali per quel che riguarda i prestiti e mutui Inpdap.

    Inps ex Inpdap: Come richiedere il conteggio estintivo di un prestito Inpdap

    Per richiedere il conteggio estintivo di un prestito Inpdap è necessario accedere all’area riservata del servizio online dell’Inps . Tramite questo link: Area Riservata Dipendenti Inpdap

    Se non hai ancora un pin di accesso, puoi andare alla nostra guida su come richiedere il PIN all’Inps: INPS richiesta PIN.

    Una volta all’interno dell’area riservata del servizio online Inps ex Inpdap, è possibile realizzare diverse operazioni online. Per richiedere il conteggio estintivo è necessario cliccare sulla voce <Servizi per Area Tematica >> Credito >> Domanda Anticipata Estinzione>

    Una volta allinterno, i dipendenti hanno la possibilità di richiedere l’ estinzione anticipata, ma anche di controllare lo stato di avanzamento di altre richieste realizzate o dei propri prestiti.

    Cliccando sulla voce Pratiche in Ammortamento appaiono tutti i prestiti in corso del richiedente, le rate ancora da pagare e la possibilità di richiedere il conteggio estintivo.

    Tempistica per il conteggio estintivo

    Una volta effettuata la richiesta di conteggio estintivo, allinterno del portale Inps ex Inpdap, sono necessari alcuni giorni (da 2 a 7 giorni) per ottenere la risposta, ovvero l’arrivo del documento in PDF da scaricare.

    Billige Schlafzimmer Komplett, günstige schlafzimmer set.

    #Günstige #schlafzimmer #set

    Billige Schlafzimmer Komplett

    Ehrfrchtig komplett schlafzimmer auf rechnung raten kaufen fuer at schlafzimmer

    Billige Schlafzimmer Komplett Das Schlafzimmer ist ein privater Ort, wo Menschen sich entspannen oder schlafen während des Tages und Schlaf in der Nacht. Natürlich ist das Schlafzimmer zum Schlafzimmer nicht gehen kein Bett ist. Neben einem komfortablen Bett, haben Standardausstattung wie Schränke, Nachttische, Tische und Schränke.

    Podium Betten sind Möbelstück that is multifunktionale, das nicht nur praktisch ist, sondern auch praktisch. Die verwendeten Materialien, um eine Plattform Bett zu umweltfreundlich sein und frei von Giftstoffen that is müssen. Podium Ende auch stabil sein und eine Menge Gewicht that is sollte standhalten.

    Schlafzimmer set günstig | tymbios at Schlafzimmer

    25+ best ideas about schlafzimmer set on pinterest | schlafzimmer at Schlafzimmer

    Billige schlafzimmer komplett – bigschool at Schlafzimmer

    Schlafzimmer set günstig | tymbios at Schlafzimmer

    Komplett-schlafzimmer » schlafzimmer-sets kaufen | otto at Schlafzimmer

    Günstige schlafzimmer – abomaheber at Schlafzimmer

    Günstige schlafzimmer | tymbios at Schlafzimmer

    Günstige schlafzimmer | tymbios at Schlafzimmer

    Billige schlafzimmer komplett – bigschool at Schlafzimmer

    Schlafzimmer komplett billig – bigschool at Schlafzimmer

    Schlafzimmer komplett ideen schlafzimmer billige schlafzimmer at Schlafzimmer

    Komplett-schlafzimmer » schlafzimmer-sets kaufen | otto at Schlafzimmer

    Günstige schlafzimmer | tymbios at Schlafzimmer

    Schlafzimmer kaufen – abomaheber at Schlafzimmer

    Günstige schlafzimmer | tymbios at Schlafzimmer

    Billige schlafzimmer komplett – bigschool at Schlafzimmer

    Schlafzimmer komplett billig – bigschool at Schlafzimmer

    Beeindruckende billig schlafzimmer set preisvergleiche at Schlafzimmer

    Schlafzimmer set günstig | tymbios at Schlafzimmer

    Schlafzimmer komplett billig – bigschool at Schlafzimmer

    Schlafzimmer günstig kaufen | tymbios at Schlafzimmer

    Billige schlafzimmer komplett – abomaheber at Schlafzimmer

    Günstige komplett schlafzimmer – abomaheber at Schlafzimmer

    Billige schlafzimmer komplett – progo at Schlafzimmer

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    Best Insurance Spy, Business – Insurance Guide, insurance quotes auto.

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    Modelo 036 de Hacienda instrucciones para presentarlo, modelo negocio.

    #Modelo #negocio

    Modelo 036 de Hacienda.

    ¿Qué es el modelo 036?

    Modelo negocioEl modelo 036 es la declaración de alta, modificación y baja en el censo de empresarios, profesionales y retenedores. Se trata de una declaración informativa censal, por lo que no conlleva pago alguno.

    En cualquier caso, mediante la declaración censal de alta las personas jurídicas y entidades en general y las personas físicas empresarios o profesionales que no dispongan de él, solicitarán el Número de Identificación Fiscal (NIF). Siempre que se presente un modelo 036, se deberá consignar en la página primera, las causas que motivan su presentación.

    ¿Quién está obligado a presentarlo?

    El censo de obligados tributarios está formado por la totalidad de personas físicas y jurídicas, así como los obligados tributarios a los que se refiere el art. 35.4 de la ley 58/2003 general tributaria que deben tener un número de identificación fiscal para sus relaciones de naturaleza o con trascendencia tributaria.

    Dentro del censo de obligados tributarios, se encuentra el Censo de Empresarios, profesionales y retenedores, constituido por las personas o entidades que desarrollen o vayan a desarrollar en territorio español alguna de las actividades siguientes:

    • Actividades empresariales o profesionales. Se entenderá por tales aquellas cuya realización confiera la condición de empresario o profesional, incluidas las agrícolas, forestales, ganaderas o pesqueras. El art. 5 de la ley del IVA , especifica el concepto de empresario o profesional.
    • Abono de rentas sujetas a retención o ingreso a cuenta
    • Adquisiciones intracomunitarias de bienes sujetas al impuesto sobre el valor añadido efectuadas por quienes no actúen como empresarios o profesionales
    • Personas o entidades no residentes en España que operen en territorio español mediante establecimiento permanente o satisfagan en dicho territorio rentas sujetas a retención o ingreso a cuenta, y las entidades en atribución de rentas constituidas en el extranjero con presencia en territorio español.
    • Las personas o entidades no establecidas en el territorio de aplicación del IVA quedarán integradas en este censo cuando sean sujetos pasivos de dicho impuesto.
    • Personas o entidades que no cumplen ninguno de los requisitos previstos en este apartado, pero sean socios, herederos, comuneros o partícipes de entidades en régimen de atribución de rentas que desarrollen actividades empresariales o profesionales y tengan obligaciones tributarias derivadas de su condición de miembros de tales entidades.

    Todos los que deban formar parte del censo de empresarios profesionales y retenedores deberán presentar declaración de alta, modificaciones y baja en el censo mediante el modelo 036 (modelo normal) y el 037 (modelo simplificado).

    Modelo negocio

    ¿Cuándo se presenta?

    En el caso de alta de inicio de actividad y solicitud de NIF, con anterioridad al inicio de actividad, a la realización de operaciones, al nacimiento de la obligación de retener o ingresar a cuenta. Además, las personas jurídicas y entidades sin personalidad jurídica , deberán solicitar el NIF dentro del mes siguiente a la fecha de su constitución o su establecimiento en territorio español.

    Para las modificaciones con carácter general se establece un plazo de un mes desde el cambio.

    Para la declaración de baja con carácter general se establece un plazo de un mes desde la baja, salvo en el caso de fallecimiento que se establece un plazo de seis meses para presentar la baja y informar del cambio de titularidad de los derechos y obligaciones con trascendencia tributaria con terceros.

    Modelo negocio

    ¿Cómo se rellena el Modelo 036?

    Según lo que se vaya a dar de alta, modificar, o dar de baja, habrá que rellenar unas páginas u otras. Esto lo sabremos al rellenar las casillas correspondientes en la página 1. En la misma línea, nos dirá que página debemos informar en cada caso.

    Con carácter general, se cumplimentarán los datos identificativos, se seleccionarán las casillas que correspondan a cada caso e iremos en cada caso a la página correspondiente. Así, en el caso de que queramos dar de alta un local, pincharemos en la casilla 127, e iremos a la página 4, o si queremos modificar datos relativos al IVA , pincharemos la casilla 131, y acudiremos a la página 5 donde exclusivamente se cumplimentarán los espacios reservados al IVA .

    La declaración censal deberá ser firmada por su titular o por su representante indicando lugar, fecha, nombre y en calidad de qué firma la declaración .

    Una vez cumplimentado el modelo, podrá ser enviado telemáticamente o presentado físicamente en las oficinas de la agencia tributaria que corresponda, según el caso (consultar obligatoriedad de presentación de declaraciones según su caso)

    Modelo negocio

    ¿Qué documentación se necesita?

    Según lo que vayamos a informar en el modelo 036 puede ser que nos pidan aportar documentación complementaria.

    • Con carácter general en caso de solicitud de NIF, se deberá aportar copia de la escritura pública de constitución, así como certificación de su inscripción en registro público.
    • Si la declaración va firmada por persona distinta a la que figura como declarante , deberá adjuntarse fotocopia del documento acreditativo de su identidad, o documento que le otorgue poder de representación.
    • Si se dispone de etiquetas identificativas debe adherir una en la primera página del modelo. Si no, se adjuntará fotocopia del documento acreditativo del NIF del titular de la declaración .
    • Si la modificación que se solicita, conlleva una modificación de los datos consignados en la tarjeta acreditativa del NIF, se adjuntará la antigua tarjeta para que se sustituya por una nueva.
    • Para modificaciones de domicilio social, administradores, socios, representantes, escritura donde conste la modificación y certificación de su inscripción en registro público.
    • Para cualquier otra modificación documento que acredite dicho cambio.
    • Para declaración de baja por disolución y otras causas de extinción, deberá aportarse escritura pública o documento que acredite la extinción, salvo que sea disolución por cumplimento del plazo fijado en los estatutos, y certificación de la cancelación efectiva de los correspondientes asientos en el registro mercantil.
    • Cuando se trate de baja por fallecimiento, deberá aportarse certificado de defunción.

    ¿Quieres más información sobre el Modelo 036?

    Descargar las instrucciones del Modelo 036 en PDF pulsa aquí.

    Descargar el Modelo 036 en PDF pulsa aquí.

    Modelo negocio

    Progressive: Ranked One Of The Best Insurance Companies, who has the cheapest auto insurance.

    #Who #has #the #cheapest #auto #insurance

    Get insurance for almost anything you need

    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Discount varies and is not available in all states or situations

    Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

    A leader in boat insurance from 2016 Millward-Brown national survey data.

    No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

    Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.

    Annunci Auto – Vendita auto usate, auto cabrio usate.

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    • 140.000 km – 149.999 km
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    Peugeot 207 CC Cabrio / Coupи Gpl

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    Tutte le categorie

    Sembra che tu abbia raggiunto il numero massimo di preferiti. Puoi cancellare quelli a cui non sei più interessato

    Sembra che tu abbia raggiunto il numero massimo di ricerche salvate. Puoi cancellare quelle a cui non sei più interessato

    Ingresos brutos del distribuidor minorista de combustibles para efectos fiscales, precio minorista.

    #Precio #minorista

    Ingresos brutos del distribuidor minorista de combustibles para efectos fiscales

    Para efectos contables los ingresos representan flujos de entrada de recursos devengados por la venta de bienes, por la prestación de servicios o por la ejecución de otras actividades, por parte del minorista de combustibles líquidos y derivados del petróleo (Estaciones de Servicio – EDS), durante un período determinado.

    Sin embargo para efectos fiscales la determinación de los ingresos brutos se realiza conforme lo señala el artículo 10 de la Ley 26 de 1989:

    Para todos los efectos fiscales se estiman los ingresos brutos del distribuidor minorista de combustibles líquidos y derivados del petróleo, por venta de ellos, que resulten de multiplicar el respectivo margen de comercialización señalado por el Gobierno, por el número de galones vendidos, restándole el porcentaje de margen de pérdida por evaporación.

    Por lo anterior considero que los ingresos brutos calculados en la forma dispuesta en el citado precepto legal, son los que se deben tener en cuenta para efectos del impuesto sobre la renta y la obligación de presentar información exógena (medios magnéticos).

    Adicionalmente es pertinente resaltar que en la determinación de la base gravable del impuesto sobre la renta, se debe aplicar el sistema ordinario de depuración señalado en el artículo 26 del Estatuto Tributario, ya que el tratamiento especial para calcular los ingresos brutos no indica la base gravable sino uno de los elementos que la integran.

    En conclusión los ingresos brutos por la venta de combustibles líquidos y derivados del petróleo, cuantificados como legalmente esta previsto no incluyen los costos y son los que realmente se tienen en cuenta para efecto de la obligación fiscal de enviar información exógena, en ese orden de ideas cabe anotar que los costos de venta no se reflejarían en la declaración del impuesto sobre la renta.


    Precio minorista Precio minorista Precio minorista

    Prestiti INPDAP: Cessione del quinto, Tassi e Rate 2018, calcola rata prestiti personali.

    #Calcola #rata #prestiti #personali

    Prestiti INPDAP 2018

    Scritto da Marco Germanò , aggiornato il 15 febbraio 2018 alle 2:31 pm – 2474

    Stai cercando maggiori informazioni sui prestiti inpdap aggiornate al 2018? Sei nel posto giusto!

    Richiedi preventivo senza impegno in 1 minuto

    In questo articolo, aggiornato a giugno 2017, troverai le informazioni più aggiornate dai nostri esperti nel settore del credito sui finanziamenti inps ex inpdap.

    Continua a leggere e se alla fine e se qualcosa non ti è chiaro, non esitare a chiedere in un commento, ti rispondiamo in giornata!

    Cosa sono i Prestiti Inpdap

    Confronta gratis i migliori prestiti di oggi

    Sei un dipendente pubblico o pensionato ed hai bisogno di un prestito? Ecco una soluzione che fa per te, i prestiti Inpdap.

    Essi sono facili da ottenere e, contrariamente a quanto si pensi, possono essere erogati non solo dallente -tramite il proprio Fondo di credito – ma anche da banche e società finanziarie convenzionate con lInpdap.

    I finanziamenti inpdap vengono concessi nei limiti delle disponibilità finanziarie previste anno per anno nel bilancio dellIstituto. LInpdap prevede diverse tipologie di finanziamenti che differiscono in ragione della finalità stessa del prestito e della somma richiesta.

    Ognuno di essi apporta dei vantaggi di non poco conto, molti dei quali poco conosciuti, spesso addirittura ignorati. Scopriamoli insieme.

    Chi può richiedere i Prestiti Inpdap

    I prestiti Inpdap possono essere richiesti da tutti i dipendenti pubblici, statali e pensionati, familiari compresi, che aderiscono al fondo credito dellistituto.

    Nel caso in cui un dipendente o un pensionato non dovesse avere tutti i requisiti necessari per i prestiti inpdap dipendenti pubblici potrà rivolgersi a banche e società finanziarie per per richiedere i prestiti in convenzione inpdap.

    Quali sono i Prestiti Inpdap

    A seconda dei requisiti e delle necessità sarà possibile scegliere tra vari prestiti inpdap: piccoli prestiti Inpdap, prestiti pluriennali diretti, prestiti pluriennali garantiti e mutui ipotecari per acquisto casa.

    Successivamente basterà consegnare tutta la documentazione necessari, reperibile online sul sito delinpdap o presso gli uffici competenti, ed attendere lesito da parte dellente previdenziale.

    Piccoli prestiti Inpdap

    I piccoli prestiti Inpdap sono finanziamenti di durata circoscritta e tutto sommato breve, che vengono concessi per dare risposta a necessità inaspettate e/o urgenti in cui venga a versare il richiedente.

    Quello che caratterizza tali prestiti è lelasticità con la quale vengono concessi: non deve essere fornita necessariamente una motivazione specifica, né prodotta unanalitica documentazione di spesa, come spesso è richiesto.

    Sono definiti piccoli prestiti in quanto limporto richiedibile è contenuto, che è pari a massimo una mensilità netta di stipendio (media) o pensione nel caso di prestito annuale, fino ad arrivare ad un importo pari a quattro mensilità, in caso di prestiti con durata quadriennale.

    Prestiti Inpdap pluriennali

    Essi, a differenza dei piccoli prestiti, vengono erogati a fronte di una necessità personale o familiare che venga comprovata dal richiedente. Gli eventi che possono giustificare la concessione di tale tipo di prestito sono: calamità naturali, furto o rapina, incendio, acquisto della casa o trasloco, installazioni di impianti per lenergia rinnovabile o loro ristrutturazione ed anche acquisto di unauto. Tra quelle a carattere prettamente personale: matrimonio, nascita di figli, cure mediche ed altre ancora che non andiamo, in questa sede, ad annoverare.

    Perché le condizioni di concessione previste per tali tipologie di prestiti Inpdap sono così stringenti? La ragione risiede nella durata con la quale vengono elargiti (5/10 anni) e nel tasso nominale annuo davvero vantaggioso.

    Prestiti pluriennali Garantiti Inpdap

    Esistono dei fenomeni che molti temono poter arrecare danno a sé ed i propri familiari. Eventi dai quali si vorrebbe essere tutelati, garantiti in qualche modo, almeno dal punto di vista squisitamente economico. Pensiamo al decesso delliscritto prima di aver completato il rimborso o alla cessazione del servizio senza avere maturato il diritto alla pensione o, ancora, alla riduzione dello stipendio.

    Ecco in soccorso arrivano i prestiti pluriennali garantiti Inpdap . Analogamente ai prestiti pluriennali essi durano cinque – dieci anni, ma, a differenza di essi, limporto della rata deve essere pari ad un quinto dello stipendio netto, al massimo. Un altro vantaggio? E consentita lestinzione anticipata.

    Come fare richiesta dei prestiti Inpdap?

    Attraverso larea riservata del portale INPS si potranno richiedere i prestiti inpdap agevolati.

    Sempre allinterno del portale sono reperibili i moduli di richiesta che variano a seconda del tipo di finanziamento che si andrà a richiedere, quindi si dovrà scegliere tra: modulo piccoli prestiti, modulo prestiti pluriennali diretti e modulo prestiti pluriennali garantiti, che andranno compilati, stampati e firmati.

    In merito prestito Inpdap pluriennale diretto oltre al modello da compilare è necessario allegare anche un certificato medico di sana e robusta costituzione che deve essere rilasciato non oltre i 45 giorni dalla richiesta di prestito.

    Prestiti Inpdap tassi aggiornati ad Aprile 2017

    I tassi di interesse di riferimento, comunicati direttamente dallinps validi per il Trimestre 1° Aprile – 30 Giugno 2017, sono i seguenti e variano a seconda dellimporto richiesto e delletà del richiedente.

    Foundation Repair in Houston TX – Level Check Foundation Repair

    #level #check #foundation #repair


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    ✓ Repairing foundations since 1986
    ✓ Honest foundation evaluations
    ✓ Quality workmanship
    ✓ Will meet or beat prices
    ✓ 1/2 the price of most major competitors
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    ✓ Insured bonded
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    ✓ We do not use subcontractors
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    Stephen N. Anderson

    “I would like to thank Level Check for their outstanding service to me, recently as well as in the past. I highly recommend your company to anyone who has foundation problems. I cannot think of what more could a customer ask for! Initial quality, prompt, long lasting work at a reasonable price, and friendly, warranty service without delay, 15 years after the initial leveling.”

    TW Twiford Jr. MD

    “Thank you for a job well done. I actually saw my walls coming together the very same day the work was done. Thank you again.”

    What is colocation (colo)? Definition from

    #data #center #co #location


    colocation (colo)

    A colocation (colo) is a data center facility in which a business can rent space for servers and other computing hardware.

    Typically, a colo provides the building, cooling, power, bandwidth and physical security while the customer provides servers and storage. Space in the facility is often leased by the rack, cabinet, cage or room. Many colos have extended their offerings to include managed services that support their customers’ business initiatives.

    Download this free guide

    Conquering REST Challenges and Securing REST API Endpoints

    Explore complex aspects of REST-based development and discover how industry experts are addressing those challenges and securing APIs.

    By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.

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    There are several reasons a business might choose a colo over building its own data center, but one of the main drivers is the capital expenditures (CAPEX ) associated with building, maintaining and updating a large computing facility. In the past, colos were often used by private enterprises for disaster recovery. Today, colos are especially popular with cloud service providers.

    For some organizations, colocation may be an ideal solution, but there can be downsides to this approach. Distance can translate into increased travel costs when equipment needs to be touched manually and colo customers can find themselves locked into long-term contracts, which may prevent them from re-negotiating rates when prices fall. It is important for an organization to closely examine their colo’s service level agreements (SLAs ) so as not to be surprised by hidden charges.

    This was last updated in August 2015

    Continue Reading About colocation (colo)

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    How Do I Sell My Annuity?

    #can #i #sell #my #annuity

    Annuity Payment FAQs

    Have questions about annuity payments and how you can sell annuity payments for cash? Get the 411 on everything you need to know with our Annuity Payments FAQ.

    Can I sell part of my Annuity?

    Yes, you can sell part or all of your annuity payments.

    Here are some options:

    1. You can sell 3, 5 or 10 years for a lump sum
    2. Sell all of your payments
    3. Sell a percentage of each payment
    4. Sell a single payment due in the future

    When you call Woodbridge, our experienced account executives will discuss your financial needs with you, review your options, and help you see which type of deal can work best for you!

    Cash for annuity payments – Is it a good idea for me?

    The answer is yes and no. Selling your annuity payments for cash should not be done without carefully assessing your existing financial situation, and considering what your future would look like without having a steady stream of that cash, month after month. On the other hand, selling your annuity payments for cash has a terrific upside. The most important is that you will receive one lump sum of cash that represents all the payments you would have received over time.

    How Can I Get Cash For My Annuity Payments?

    If you are presently receiving – or scheduled to receive. monthly or annual payments from an annuity, whether it’s from an insurance company, through lottery winnings, or some other long-term financial agreement – you may also be considering the option of getting cash for your annuity payments for one lump sum. In fact, thousands of people across the United States have already done so.

    How do I know if selling my annuity payments is a good idea?

    Selling your annuity payments for cash should not be done without carefully assessing your existing financial situation. Consider what your future would look like without having a steady stream of that cash, month after month. If that worries you, you should speak to a financial advisor and explore all of your options.

    If your financial future would be improved by having access to a lump sum of cash now, rather than steady payments over time, then you may want to consider selling all or a portion of your annuity payments.

    How do I sell my annuity for cash?

    It’s easy. Click here to get to our “Get a free quote” page, tell us a little about you, and we’ll contact you right away to help you get the cash you want, when you want it.

    Or you can call us at 866-708-0422. Before you know it you’ll be well on your way to financial security.

    How long does it take to get a free quote?

    Our experienced account executives will review your information and provide you with a FREE no obligation quote within 24 hours after you contact Woodbridge.

    How long does it take to get the lump sum cash for my annuity?

    Woodbridge works hard to complete your transaction quickly so the lump sum you’re looking for can be yours quickly. The process usually takes about 30 to 90 days, depending on state requirements and court availability.

    Is it legal to sell my annuity payments?

    Absolutely. In fact, legal regulations protect your best interests throughout the entire process. That said, you’ll obviously want to work with an established, trustworthy firm like Woodbridge.

    What are the benefits of selling my annuity?

    From buying a new home for a growing family to building a new business and solving unforeseen hardships, selling all or part of your annuity payments to Woodbridge means you’ll have access to immediate cash.

    What can I do with the cash for my annuity payments?

    Simply put, you are free to spend it however you see fit. Pay off your high interest credit cards, remodel your home, buy a vacation home, pay for your child’s – or grandchild’s – education� it’s entirely up to you.

    Online Business Degrees – School of Business

    #degrees #in #business


    Rasmussen College School of Business

    Start or Advance your Career with a Business Degree

    Associate s Degrees and Accelerated Bachelor s Degree-Completion Programs

    The business world is constantly changing, and the need for business professionals who have the knowledge and skills to take advantage of opportunities continues to grow.

    At Rasmussen College, you can choose a Business major in an affordable learning format that best fits your lifestyle with Flex Choice ® learning options. Our Associate’s degree in Business is available in a fully online or blended format, as well as with online self-directed assessments to help you save on tuition. Our Bachelor’s degree in Business allows you to take advantage of competency-based education (CBE), which focuses on efficiency and relevance by combining self-paced courses, project-based assessments and real-world scenarios. Both formats offer faculty support and are flexible, affordable and available fully online. This helps you transfer the skills you have and master the skills you need.

    Our leading-edge programs are developed by industry professionals and designed to give you the relevant knowledge and skills sought after by employers in a variety of industries. Choose to earn a degree in Accounting. Business Management. Data Analytics. Finance. Healthcare Management. Human Resources and Organizational Leadership. Marketing or Supply Chain and Logistics Management. Our faculty members are dedicated to your success both in the classroom and in your career. With their real-world experience, our faculty provides industry-specific knowledge and insight to help you choose the career that is right for you.

    Rasmussen College School of Business Mission Statement

    The Rasmussen College School of Business prepares students to be confident, results-oriented business leaders who are active contributors in their chosen fields and diverse communities.
    Our programs focus on building a strong business foundation while helping students acquire the skills employers demand, including critical thinking, communication, teamwork, and digital fluency, as they relate to various business settings. We measure our success through the academic performance, commitment to lifelong learning, and ethical and professional contributions of our graduates.

    10 Must-Know Pros & Cons of an Accounting Career
    What you’ll think of an accounting career depends on your personality, working style and life priorities. Once you understand the possible pros and cons of an accounting career, you can make an informed decision on whether it’s the right career path for you.

    6 Signs You Might Be Destined to Work in Marketing
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    Reading Between the Lines: A Closer Look at the Financial Analyst Job Description
    To give you a better idea of what to expect in this position, we consulted with current financial analysts and professionals to give you the behind-the-scenes peek you need to feel confident about moving forward. Keep reading to see what the financial analyst job description truly entails.

    Private Krankenversicherung im Vergleich – Test und Vergleiche von mehr als 40 Gesellschaften f – r die privaten Krankenversicherungen, private krankenversicherung.

    #Private #krankenversicherung

    Private Krankenversicherung im Vergleich

    Da es eine Vielzahl an Versicherungsgesellschaften mit unterschiedlichen Leistungsangeboten gibt, sollten Sie von der ACIO PKV-Analyse Gebrauch machen. Nach wenigen Angaben zur Person und gew nschtem Versicherungsumfang fordern Sie Ihr ma geschneidertes Vergleichsangebot an. Sie bestimmen den Leistungsumfang und somit auch den Beitrag.

    Die private Krankenversicherung

    Sie ist viel mehr als nur eine Alternative zur gesetzlichen Krankenversicherung. Sie bietet mehr Leistungen an und unterst tzt ihre Versicherten mit einem deutlich breiteren Leistungsspektrum. Nicht umsonst entscheiden sich viele Menschen f r die Tarife der privaten Krankenversicherung. Durch die hochgradige Anpassbarkeit der Tarife l sst sich mit der PKV sehr viel Geld sparen.

    Holen Sie sich ein unverbindliches und kostenloses Angebot. Aus Ihren individuellen Vorgaben (H he der Selbstbeteiligung, Chefarzt usw.) erstellen wir einen Vergleich der Tarife der privaten Krankenversicherung. Sie brauchen sich nur noch zu entscheiden, welches Angebot am besten zu Ihnen passt.

    Vergleichen Sie selbst – nutzen Sie unsere Analysen.

    Bei uns finden Sie alle Tarife der privaten Krankenversicherung. Wir vergleichen auch die Testsieger aus Finanztest, kotest, Fitch und Assekurata.

    Damit Sie sich vorab berzeugen k nnen, wie umfangreich unsere Analysen durchgef hrt werden, haben wir mehrere Musteranalysen f r die private Krankenversicherung bereitgestellt.

    Sie haben Fragen zu den Bedingungen der privaten Krankenversicherung? Zum Beispiel: Welche Berufsgruppen k nnen sich versichern? Wie hoch ist die Jahresarbeitsentgeltgrenze? Ist eine Familienversicherung auch in der PKV m glich? Unser FAQ beantwortet die wichtigsten Fragen rund um das Thema PKV.

    F r weitere Informationen zur privaten Krankenversicherung steht ein umfangreiches Lexikon bereit. Hier werden die wichtigsten Begriffe zu diesem Thema erkl rt. Eine Auflistung m glicher Diagnosen, die zu einer Ablehnung des Versicherungsantrages f hren k nnen, bietet ein berblick der Ablehnungsdiagnosen.

    Rechtliche und vertragliche Grundlagen sowie Erkl rungen wichtigster Klauseln k nnen Sie hier einsehen. Weiterf hrende Informationen zur Beitragsentwicklung der PKV, der Kalkulation oder auch eine Gesellschaftsliste der Versicherer finden Sie hier.

    Aktuelle Artikel zum Thema in unserem Newsportal

    Schwanger: Wie es sich nun mit Arbeit, Krankengeld Co. verhдlt Jedem wird klar sein, dass Privatpatienten die Selbststдndig sind, einen hцheren Status genieЯen als gesetz mehr

    Krankenkassenmitglieder Leistungen auf PKV-Niveau So klappt es Bei einem Aufenthalt im Krankenhaus werden beispielsweise nur Kosten fьr die Regelleistungen erstatt mehr

    Ab wann besteht Anspruch bei einer Kasse auf Krankengeld Sie erhalten von Ihrer gesetzlichen Krankenkasse Krankengeld, wenn Sie Arbeitnehmer und damit gesetzlich versichert sind. S mehr

    Es gibt viele Grьnde zu einer privaten Krankenversicherung zu wechseln. Doch die Beitrittsbedingungen sind strikt. Neben einem entsprechenden Einkommen sind die wahrheitsgemдЯen mehr

    Bei der Kьndigung einer privaten Krankenversicherung gibt es einiges zu beachten. Mindestvertragslaufzeiten und Kьndigungsfristen kцnnen einen spontanen Austritt aus der Versich mehr

    Die private Krankenversicherung im Vergleich

    Auf finden Sie eins der umfassensten Portale zum Thema private Krankenversicherung und private Krankenkassen im Internet. Auf ber 2.000 Seiten bieten wir Ihnen, nicht nur im Bereich der privaten Krankenversicherung, Informationen, Onlinevergleiche und Analysen, sondern auch bei Krankenzusatzversicherung haben Sie mit uns einen zuverl ssigen Partner an Ihrer Seite.

    Tipp: Beachten Sie, dass Sie als Mitglied der privaten Krankenversicherung weniger auf die Angebote der Krankenzusatzversicherung angewiesen sind. Um jedoch Einkommenseinbu en im Krankheitsfall vorzubeugen, sollten Sie ber eine Krankentagegeldversicherung nachdenken. Diese kann bereits ab dem achten Krankheitstag leisten.

    De pente ou legнtima, pente.



    de pente ou legнtima



    Tйcnica realiza biometria em tartaruga de pente.


    Tartaruga de pente juvenil.



    Tйcnicos realizam marcaзгo em tartaruga de pente.


    Tartaruga de pente juvenil.




    Detalhe do bico de tartaruga de pente juvenil.


    Tartaruga de pente prуxima a plataforma.


    Nome Científico: Eretmochelys imbricata

    Nomes comuns: de pente ou legнtima

    Status internacional: Criticamente ameaзada (classificaзгo da IUCN)

    Status no Brasil: Criticamente ameaзada

    Distribuição: Й considerada a mais tropical de todas as tartarugas marinhas e estб distribuнda entre mares tropicais e por vezes sub-tropicais dos oceanos Atlвntico, Нndico e Pacнfico.

    Habitat: Prefere recifes de corais e бguas costeiras rasas. Pode ser encontrada, ocasionalmente, em бguas profundas.

    Tamanho: Atй 110 cm de comprimento curvilнneo de carapaзa no Brasil.

    Peso: Em mйdia 86kg

    Casco (carapaça): Quatro placas laterais de cor marrom e amarelada, que se imbricam como telhas e dois pares de escamas prй-frontais.

    Cabeça: Relativamente pequena e alongada. O bico se assemelha ao de um falcгo. Dois pares de escamas prй-frontais.

    Nadadeiras: Anteriores (dianteiras) e posteriores (traseiras) com duas unhas (garras).

    Dieta: Esponjas, anкmonas, lulas e camarхes; a cabeзa e o bico estreitos permitem buscar o alimento nas fendas dos recifes de corais.

    Nє de ninhos no Brasil: Aproximadamente 2.200 por temporada.

    Curiosidades: Desova no litoral norte da Bahia e Sergipe; e no litoral sul do Rio Grande do Norte.