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MaxGear Professional Business Card Holder? & Video

MaxGear Professional Business Card Holder, NEF2.COM


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MaxGear Professional Business Card Holder, NEF6.COM


MaxGear Professional Business Card Holder

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Trump, Bolsonaro hold a joint press conference! @ Video

Trump, Bolsonaro hold a joint press conference, REMMONT.COM


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Trump, Bolsonaro hold a joint press conference


Trump, Bolsonaro hold a joint press conference, NEF6.COM


Trump, Bolsonaro hold a joint press conference

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What is a stock exchange? – MoneyWeek Investment Tutorials! ) Video

What is a stock exchange? - MoneyWeek Investment Tutorials, REMMONT.COM


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What is a stock exchange? – MoneyWeek Investment Tutorials


What is a stock exchange? - MoneyWeek Investment Tutorials, NEF2.COM


What is a stock exchange? – MoneyWeek Investment Tutorials

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10 Style Tips For The Young Professional | How To KICK MORE ASS At Work, NEF2.COM


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10 Style Tips For The Young Professional | How To KICK MORE ASS At Work


10 Style Tips For The Young Professional | How To KICK MORE ASS At Work, NEF2.COM

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st louis county personal property, REMMONT.COM

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Gta travel? # Video

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gta travel, NEF2.COM

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Things to do in dfw 1000 0,33 11,92! $ Video

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Annunci Auto – Vendita auto usate, auto usate annunci privati.

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Annunci nella categoria Auto in Tutta Italia

Bmw 320 d sw

  • 200.000 km – 249.999 km
  • 2006
  • Diesel
  • Manuale

Panda

  • 110.000 km – 119.999 km
  • 2012
  • Manuale

FIAT Punto 2Є serie – 2002

  • 190.000 km – 199.999 km
  • 2002
  • Benzina
  • Manuale

FORD Focus 02/2017 cc. 1.5 95cv tdci navi/led

  • 10.000 km – 14.999 km
  • 2017
  • Diesel
  • Manuale

Volkswagen Tiguan 2.0 Gancio Traino

  • 130.000 km – 139.999 km
  • 2008
  • Diesel
  • Automatico

Fiat 500 C 1.2 69 CV Lounge

  • 50.000 km – 54.999 km
  • 2013
  • Benzina
  • Manuale

Fiat 600

  • 85.000 km – 89.999 km
  • 2006
  • Benzina
  • Manuale

FORD Kuga 2Є serie – 2013

  • 30.000 km – 34.999 km
  • 2013
  • Diesel
  • Manuale

Fiat panda

  • 50.000 km – 54.999 km
  • 2012

Renault Scenic DCI Diesel

  • 110.000 km – 119.999 km
  • 2002
  • Diesel
  • Manuale

Panda 1.2 my life 70 cv PERMUTE EV. IMP. GPL

  • 75.000 km – 79.999 km
  • 2011
  • Benzina
  • Manuale

Citroen C3 1600hdi

  • 190.000 km – 199.999 km
  • 2009
  • Diesel

FORD C-Max 2Є serie – 2011

  • 180.000 km – 189.999 km
  • 2011
  • Diesel

Microcar meta

  • Km 0
  • 2005
  • Diesel
  • Automatico

Citroen c4 Picasso 2.0 diesel

  • 190.000 km – 199.999 km
  • 2008
  • Diesel
  • Automatico

500xCROSS 1.6 /120cv

  • 20.000 km – 24.999 km
  • 2016
  • Diesel
  • Manuale

TOYOTA Yaris 3Є serie – 2008

  • 90.000 km – 94.999 km
  • 2008
  • Diesel
  • Manuale

SMART fortwo 1Є serie – 2004

  • 120.000 km – 129.999 km
  • 2004
  • Benzina
  • Automatico

Saab 9-3 AERO Restyling Full OPT 1.9 Tdi

  • Km 0
  • 2009
  • Diesel
  • Automatico

Ford Fiesta 1.4 tdci

  • 140.000 km – 149.999 km
  • 2004
  • Diesel

RENAULT Scйnic 3Є serie – 2009

  • 120.000 km – 129.999 km
  • 2009
  • Diesel
  • Manuale

MERCEDES Classe E Cpй (C238) – 2011

  • 160.000 km – 169.999 km
  • 2011
  • Diesel
  • Automatico

Fiat punto

  • Km 0
  • 2005
  • Benzina
  • Manuale

BMW 118d

  • 190.000 km – 199.999 km
  • 2006
  • Diesel
  • Manuale

OPEL Agila 1Є serie – 2003

  • 150.000 km – 159.999 km
  • 2003
  • Benzina
  • Manuale

Fiat Panda Van 2010

  • 190.000 km – 199.999 km
  • 2010
  • Diesel
  • Manuale

SMART fortwo 3Єs.(C/A453) – 2015

  • 40.000 km – 44.999 km
  • 2015
  • Benzina
  • Manuale

Ford transit 1,6 crdi autocarro del 2014

  • 190.000 km – 199.999 km
  • 2012
  • Diesel
  • Manuale

Mazda 4

  • 140.000 km – 149.999 km
  • 2010

NISSAN Almera Tino – 2005

  • 85.000 km – 89.999 km
  • 2005
  • Diesel
  • Manuale

OPEL Corsa 3Є serie – 2009

  • 80.000 km – 84.999 km
  • 2009
  • Diesel
  • Manuale

Opel combo 1.7 diesel

  • 200.000 km – 249.999 km
  • 2003
  • Diesel
  • Manuale

LANCIA Phedra – 2004

  • 190.000 km – 199.999 km
  • 2004

Tutte le categorie

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Car Insurance Quotes – Auto Insurance, Progressive, auto insurance ca.

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Accidents, glass damage, lawsuits, hail, and more we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

Keep in mind, coverage offerings can vary by state.

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.

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Covers your injuries

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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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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.

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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.

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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.

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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.


Location appartement: annonces appartements а louer, appartement à louer particulier.

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Appartement à louer particulier

4 680

Appartement 49 mІ Йcully (69130). Ecully, limite Lyon 9иme, rue Marietton, T2.

1 455

Appartement 25 mІ Villeurbanne (69100). Villeurbanne, Cusset, F1 de 25m2 au 1er et.

5 498

Appartement 18 mІ Lyon 8. Lyon 8иme, rue de l’epargne, dans rйsidence.

1 1 000

Appartement 45 mІ Villeurbanne (69100). Villeurbanne, T3 meublй, refait а neuf.

5 460

Appartement Villeurbanne (69100). Dans immeuble de 4 йtages, au calme, studio.

1 995

Appartement 63 mІ Lyon 5. Lyon 5иme, T2 de 63mІ, composй d’une cuisine.

5 740

Appartement 37 mІ Villeurbanne (69100). Villeurbanne, T2 meublй de 37mІ en parfait.

5 490

Appartement 20 mІ Lyon 8. Quartier sans souci, а deux pas de la.

4 690

Appartement 42 mІ Lyon 3. Lyon 3, Boulevard Vivier Merle, dans.

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Appartement 38 mІ Lyon 3. Rue duguesclin, prox place Voltaire, T1bis.


Como iniciar un negocio de consultoria, mientras tienes trabajo, como poner un negocio propio.

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Como iniciar un negocio de consultoria, mientras tienes trabajo.

Te gustaría tener la libertad de tener tu propio horario y generar una fuente de ingresos extras a parte de tu trabajo.

O lo que te motiva es tener vacaciones cuando quieras, trabajar en proyectos estimulantes y/o ayudar a otros a conseguir sus objetivos. Con mi guía sabrás paso a paso por donde empezar.

Las claves que te permiten iniciar un negocio de consultoría y trabajar como consultor.

1. Experiencia previa.

De cara a iniciar tu negocio de consultoría es importante contar con experiencia en la actividad en la que vas a trabajar. Dependiendo de la experiencia que tengas podrás cobrar más o cobrar menos. Si estas empezando en un nuevo sector de conocimiento nuevo para ti, tendrás que cobrar poco para compensar el que no tengas recorrido, haciendo tu servicio interesante para tus clientes al no tener todavía referencias de otros clientes, por una simple cuestión de precio.

Es importante que te preguntes en que eres especialmente bueno. Conocer tus aptitudes te dará ventaja de cara a posicionarte en tu nicho de actividad.

2. Tener confianza y capacidad de inspirar a los demás.

Cuando trabajas como consultor siempre te vas a encontrar personas o clientes que no creen en lo que les dices. Hay que tener la capacidad de salvar las objeciones de tus primeros clientes con confianza. Tener confianza y capacidad de inspirar a los demás permite vencer las objeciones iniciales y ayudarás a que tus clientes alcancen sus objetivos.

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Los buenos consultores están enfocados en un nicho concreto. Yo mismo empecé como coach con la propuesta de valor, que todavía mantengo en el blog, de ayudar a conseguir cualquier objetivo a mis clientes. Una vez he empezado a trabajar he visto que bastantes personas, lamentablemente, tienen la necesidad de encontrar trabajo. Por ello he cambiado mi estrategia y aunque puedo ayudar a conseguir cualquier objetivo, me estoy especializando en ayudar a conseguir trabajo con herramientas especificas para este nicho de trabajo.

Convertir tu servicio en una producto es otro aspecto clave para iniciar un negocio de consultoria con éxito, ya que tus clientes tendrán la sensación de obtener algo físico en vez de comprar tiempo para aprovechar y exprimir mi cerebro. Este blog es otro ejemplo, ya que planteo un método de trabajo en cuatro pasos, para conseguir el trabajo o el negocio que deseas y conseguir tu estilo de vida soñado.

4. Áreas de trabajo y oportunidad.

Existen diversas áreas donde hay bastante demanda para contratar consultores, te hago un pequeño listado para que veas si encajas en alguno de los que te cuento.

1. Consultoría a pequeños negocios y start-ups para emprender con éxito.

2. Consultoría para ayudar a conseguir trabajo.

3. Trabajo de copywriting.

4. Consultoría en comunicación empresarial (ideal para periodistas).

5. Consultoría en analitica-web (es un sector con mucho futuro, está al inicio)

6. Consultoría legal (ideal para abogados que quieran generar nuevas fuentes de ingresos)

7. Consultoría en finanzas personales o para invertir.

8. Consultoría en redes sociales y transformación digital.

9. Consultoría en estrategias para aumentar ventas

10. Consultoría gastronómica.

Me pongo y se me ocurren muchos más sectores donde iniciar un negocio de consultoría. Sólo tienes que echar un vistazo si hay gente trabajando de lo mismo.

5. Pasos para ponerte en marcha.

Una vez tenemos claro qué vamos a hacer y en que área o nicho nos vamos a especializar es el momento de ponernos en marcha para ello vamos a seguir los siguientes pasos.

1. Crea y define un perfil profesional.

Lo último que hay que hacer en este punto es transmitir desconfianza y poca profesionalidad a los que pueden ser nuestros posibles clientes. Define que problema solucionas, define quienes son tus clientes potenciales y define tu ámbito de actuación de acuerdo a lo anterior. Por ejemplo, soy coach experto en ayudar a las personas a conseguir el trabajo que desean o poner en marcha su negocio que pueden contactarme a través del blog.

También tienes que tener preparado la constitución de tu sociedad o el alta en autónomos. Recuerda, primero conseguimos clientes y luego gastamos, pero tienes que estar legal, una vez tienes clientes, lo más rápido posible. No dejes de leer cómo constituir una sociedad limitada en una semana.

2. Pon en marcha tu web y/o blog.

Se trata de poner en marcha tu identidad digital, que no es otra cosa que todo aquello que aparece de ti en google cuando pones tu nombre. Como vas a montar un negocio unipersonal la gente te buscará por tu nombre por ello es importante que controles la información que aparece sobre ti, por ello que mejor que crees tu el contenido y lo controles. No dejes de leer, cómo crear tu identidad digital.

3. Estrategia en torno a la prueba social.

La prueba social es todo aquello que da valor a tu trabajo y que viene de otros, esencialmente clientes. Recomendaciones, testimonios de antiguos clientes, entrevistas en radio o televisión, etc todo ayuda a crear confianza ante tus nuevos clientes potenciales. La gente se fía de la experiencia de otros, de tal modo que a medida que tengas más clientes satisfechos y estos recomienden tus servicios podrás incrementar tu tarifa a medida que cada vez tengas más clientes.

Pide una recomendación a tus clientes; si todavía no tienes clientes pide a algún compañero de trabajo o amigo que te la haga. Lo que mejor funciona es una grabación en video donde tu cliente explica cómo ha sido la experiencia de trabajar contigo.

4. Crea una estrategia de generación de contenidos.

Un consultor en definitiva vende conocimiento así que tendrás que aportar valor a tus posibles clientes creando contenido de forma regular. Hoy en día si no tienes mucha experiencia y empiezas de cero tendrás que generar contenido para demostrar tu valía profesional. Puedes publicar una vez a la semana en tu blog, organizar conferencias, escribir un e-book o grabar vídeos para tu canal de youtube sobre los problemas que tienen tus clientes potenciales. No dejes de leer mi entrada sobre cómo ganar dinero con youtube.

5. Pon en marcha tu estrategia de networking.

Es el momento de iniciar un negocio de consultoria y por ello tienes que empezar a moverte. Para ello hay que empezar a moverse. El networking se puede definir cómo una estrategia para conectar con los demás. Recuerda que todo aquello que deseas, tener un buen trabajo o iniciar un negocio de consultoria, te llegará a través de otros. La estrategia de networking es un arte y requiere entre otras muchas cosas saber cuando puedes pedir un trabajo u ofrecer tus servicios y cuando no. Una buena estrategia de networking es una de las claves para conseguir iniciar tu negocio de consultoría con éxito.


Apply for Term Life Insurance Online, apply for life insurance online.

#Apply #for #life #insurance #online


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You can get up to $1,000,000 of term life insurance with no medical exam, just some health questions.

You can apply online and start your life insurance policy today, if you qualify. You can choose term life insurance protection for a period of 10, 15, 20 or 30 years.

Life insurance is offered through Haven Life, fully backed by MassMutual which is rated “A++” Superior by A.M. Best Company for financial strength.

Many individuals and couples apply online for life insurance because it’s quick, easy and affordable.

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If you like your quote you can apply online and get approved within minutes, if qualified.

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Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.

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Every policy comes with a 30 day money-back guarantee. So you have absolutely nothing to lose.


SSI, BICE, creditos pymes.

#Creditos #pymes


Adelantos de Inversión

Para la contratación de nuevos empleados y la adquisición de equipamiento (vinculados al proyecto)

Creditos pymes

Adquisición de empresas

Radicadas dentro o fuera del territorio nacional, del mismo sector

Creditos pymes

Exportaciones

Pre y postfinanciación de servicios de SSI Garantías internacionales para reducir riesgos vinculados a los contratos de compraventa internacional

Creditos pymes

Garantías internacionales

Para reducir riesgos vinculados a los contratos de compraventa internacional

Solicitá acá tu crédito

No se cumple con uno de los requisitos para poder acceder a este programa. Para encontrar un crédito para tu empresa por favor dirigite a Préstamos y Garantías.

No se cumple con uno de los requisitos para poder acceder a este programa. Para encontrar un crédito para tu empresa por favor dirigite a Préstamos y Garantías.

Por favor descargá el siguiente formulario, completalo y envialo vía e-mail a [email protected]

Condiciones financieras

ADELANTOS DE INVERSIÓN

Financiar adelantos de inversión aplicados al desarrollo de actividades económicas comprendidas en los sectores productores de bienes y servicios, y de las actividades propias de los sectores incluidos en la Ley N° 25.922 de Promoción de la Industria de Software, cuyas actividades adicionen mayor valor agregado.

Tasa Badlar + entre 4,5 y 6,5% (según categorización de riesgo de la empresa), pudiendo aplicar a bonificación del Ministerio de Producción.

Hasta 75% del contrato u orden de trabajo presentada.

En función del análisis del desempeño y proyecciones que cada empresa.

Pesos, dólares u otras.

En función del caso en particular.

En pagos de periodicidad constante como máximo semestrales.

El beneficiario puede cancelar el crédito total o parcialmente en cualquier momento, para lo cual debe notificar fehacientemente al BICE con una anticipación no menor a los 5 días hábiles de la fecha en que desee realizar la cancelación anticipada.

CFTEA *

Para un préstamo de pesos 1.000.000 a un plazo de 12 meses con 6 meses de gracia. En el cálculo del CFT correspondiente, se ha utilizado la tasa “Badlar Bancos Privados” + Spread. Se utilizó el sistema americano para efectuar el cálculo de CFT.

Tasa aplicada en ejemplo: Badlar Priv. Prom. Noviembre 2017 = 22,5938%.

Sobre dicha tasa se aplica un subsidio de 400pb. No incluye impuestos.

*Costo Financiero Total – Expresado como Tasa Efectiva Anual

ADQUISICIÓN DE EMPRESAS

Hasta 15 años en pesos y 10 años en dólares.

La adquisición de empresas del sector de SSI radicadas dentro o fuera del territorio nacional, por parte de empresas nacionales del mismo sector.

Empresas del sector de SSI que tengan su domicilio o el de su sucursal, asiento o el de cualquier otra especie de representación permanente en la República Argentina. A los efectos de la presente Línea se considera PyME a aquellos sujetos definidos como tal por las normas de la Secretaría de Emprendedores y Pequeña y Mediana Empresa (SEPyME).

Préstamos en pesos, será variable, conformada por la tasa Badlar Bancos Privados más un margen de 450 puntos básicos, con un tope de tasa fija según el plazo; préstamos en dólares, tasa Libor más el spread que el BICE determine en cada caso.

Hasta el 80% de la Inversión a realizar.

Hasta $ 80 millones para PyMEs o hasta $ 200 millones para grandes empresas.

Francés o alemán.

En pagos de periodicidad constante como máximo semestrales.

A satisfacción del BICE.

El beneficiario puede cancelar el crédito total o parcialmente en cualquier momento, para lo cual debe notificar fehacientemente al BICE con una anticipación no menor a los 5 días hábiles de la fecha en que desee realizar la cancelación anticipada.

CFTEA *

Para un préstamo de pesos 5.000.000 a un plazo de 60 meses con un año de gracia. En el cálculo del CFT correspondiente, se ha utilizado la tasa mínima entre tasa “Badlar Bancos Privados” + Spread y tasa fija 21%. Se utilizó el sistema francés para efectuar el cálculo de CFT.

Tasa aplicada en ejemplo: Badlar Priv. Prom. Noviembre 2017 = 22.5938%.

Para un préstamo de dólares 500.000 a un plazo de 5 años con un año de gracia. En el cálculo del CFT, se ha utilizado la tasa Libor más un margen fijo de 550 puntos básicos (el cálculo se ha realizado para una empresa categoría B). No incluye impuestos.

Tasa aplicada en el ejemplo: Libor Prom. Noviembre 2017 = 1.6265%.

*Costo Financiero Total – Expresado como Tasa Efectiva Anual


Es rentable poner una papelerнa, que negocio es rentable en colombia.

#Que #negocio #es #rentable #en #colombia


Es rentable poner una papelerнa?

Soy recien egresada he vendido de todo zapatos ropa joyeria chocolates y dulces descubri que lomio es la venta creo que es mi vocacion quero emprender un negocio empezar dede abajo solo ke tengo varias ideas podrian ayudarme una papeleria es rentable? hacer productos yo misma como accesorios para mujeres son tantas mis ideas ke no se que hacer pero me da miedo el que no funcione

La rentabilidad de una papeleria depende de varios factores, uno de los mas importantes es la ubicaciуn, no es lo mismo una papelerнa que esta frente a una escuela primaria o kinder que una que esta en cerca de una preparatoria o universidad. Ten en cuenta que tambiйn depende si en la zona donde piensas poner ya tienes competencia o no. Necesitas hacer un estudio de mercado.

pero si vendes de 500 a 700 pesos con un margen de 150 a 250 pesos de ganancias y la renta es de 5000 mensuales te aseguro que tu rentabilidad no va a ser mucha,

Hola liliana, yo soy una persona como tu senti lo que sientes,pero despues de experimentar tantos negocios, yo soyde la mentalidad de ser mi propio jefe y hubo un tiempo que puse una boutique de ropa de niсos,llegue a la conclusion de que me hiba mejor vendiendo entre amistades , en vez de pagar renta de un local , luz comercial etc..Pera ahora encontre el negocio perfecto para personas como tu y como yo asi que si quieres contactarme y decirte mis experiencias aqui estan mis datos. [email protected] com

Lic. Francisco H. Vega

Mйxico D.F., Mйxico

Hola Liliana Sosa, Mira lo mбs importante no es lo que vendas si no que realmente creas en lo que estбs haciendo, eso es lo mбs importante, porque hay muchas personas que ponen negocios de comida por que supuestamente es un negocio seguro, pero la verdad es que ni creyeron y tampoco les gustaba lo que hacнan provocando asн un final fatal.

Por supuesto que hay papelerнas que ganan mucho mбs, pero asн como ganan es el monto de su inversiуn.

Conviйrtete en dueсa de negocio con sistema

Yo estoy dentro de un sistema de franquicias personales, te dejo el link de nuestro plan de negocios.


Life Leads Direct – Real Time Life Insurance Leads – Life Insurance Leads, leads for insurance agents.

#Leads #for #insurance #agents


offering discount Life Insurance Leads since 2003

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Pesadilla con portabilidad a Jazztel, reclamaciones orange.

#Reclamaciones #orange


reclamaciones orange

Buenos días, expongo mi problema como cliente de Jazztel.

Recibo una llamada de un trabajador de Jazztel, el que me intenta convencer de que me cambie a su compañía, aun teniendo permanencia con Orange. Me explica que no pasa nada que ellos me pagan la penalización. Le digo que me lo voy a pensar y que me llame al día siguiente. Así fue, el día siguiente me llamó preguntándome qué había pensado, pero yo no muy convencida empecé a ponerle trabas para no cambiarme, aparte de decirle que según yo conocía esa oferta de Jazztel, lo que hacían era ir descontándote dinero de tus facturas por el importe de la permanencia de la otra compañía. Me dice que NO, que estoy equivocada, que lo que hacen es pagarme el importe íntegro de la penalización. Aun así, no estaba convencida del todo por lo que vuelvo a decirle que me llame al día siguiente.

Compruebo todas estas cosas que me dice, y efectivamente, un amigo mío me informa de lo que le hicieron a él, descontarle el total de la penalización por el contrato de permanencia factura tras factura, pero tú tienes que pagarle a tu operador esa penalización antes de nada.

Al día siguiente, tal y como me dijo, me llama. Le explico lo que me han comentado pero él insiste en que la penalización me la abonan íntegra. Tras varios minutos de conversación, todo muy bien pintado, acepto con la condición de que necesito que mi novio confirmase la portabilidad ya que él era el titular de la cuenta. Él me responde que no hace falta, que yo misma puedo ser la titular de la nueva línea, que no hay ningún problema.

Aun así, le digo que lo tengo que hablar con él, ya que su línea también la íbamos a cambiar. Me dice que OK, que me llama al día siguiente.

Lo hablo con mi novio, la verdad es que la oferta era inigualable (incluía ADSL + móviles + fijo + terminales por buen precio, sobre unos 40 euros) y al día siguiente cuando me llamó aceptamos.

Esa misma tarde recibo una llamada de una señorita de Orange que me avisa de que el trámite que estoy a punto de realizar es mentira, que a mí no me van a pagar ningún tipo de penalización y que lo que en realidad hacía Jazztel era ir descontándote este importe.

Llamo a Jazztel, les explico mi caso y me dicen que van a mirarlo, me empiezan a poner trabas con el ADSL (llegó bastante más tarde de lo que me dijeron en un principio y yo ya había pagado), me llaman para decirme que hay un problema con el titular de la línea, que yo no puedo ser titular ya que no lo era en la otra compañía. Hubo un momento en el que ya estaba pagando facturas de Jazztel, de Orange y los correspondientes 60 euros de alta de nueva línea fija y no tenía todavía ningún servicio con Jazztel.

Un día de estos me llama Orange pidiéndome por favor que no me vaya que me igualan la oferta e incluso me la mejoran, le explico que ya estoy en trámites de portabilidad con Jazztel y que no me puedo echar atrás. Me dicen que sí, que no me preocupe, que me van a pedir 150 euros de gastos de administración pero que no me los pueden cobrar porque es ilegal… que no pague nada. Aun así, no le contesto, le digo que voy a consultarlo con mi pareja. Después de varios días de espera llega el router y una de las tarjetas de móvil (la otra me la mandarían y la tendría que activar unos días después de activar la mía, por lo que todavía seguiría pagando con Orange la de mi pareja). Harta de todo esto y de esperar demasiado llamo a Orange para ver si me seguían manteniendo la oferta y me dicen que sí. Hablo con un tal Cristian de Orange y me vuelve a repetir lo de los 150€, insistiéndome en que NO ME LOS PUEDEN COBRAR ya que el ADSL no tenía permanencia y las tarjetas de móvil no estaban activadas. Mi permanencia era nula. Así que acepto quedarme con Orange y renunciar a la portabilidad de Jazztel.

Hablo con Jazztel y me dicen que se van a pasar a recoger el router (se ve que es tan malo que pasaron de recogerlo, todavía lo tengo en mi casa) y que les queda por cobrarme el tiempo que había tenido el router activado (desesperada por quitármelos de encima les digo que vale que yo se lo pagaré). Al mes siguiente me vuelven a cobrar unos 8 euros y llamo, me comunican que son unos días que tenía de otro mes, en el que había “disfrutado” de su ADSL, muy harta de todo esto les pregunto que si tengo algún tipo de deuda más con Jazztel y un operario me verifica que NO, que estoy TOTALMENTE LIBRE DE CARGOS CON JAZZTEL, que si quiero dar de baja mis datos con ellos lo puedo hacer. Así pues, escribo una carta a Jazztel y la envío también por correo para dar de baja mis datos personales con ellos (paso de que esta gentuza sepa de mi existencia). Mi sorpresa llega cuando me responden a la carta diciéndome que todavía tengo deudas con ellos, que les debo 150€ de los gastos de administración que “les he causado”, les cuento todo lo ocurrido y me dicen que ponga si quiero una reclamación. La pongo y me dan un número de reclamación, me dicen que como mucho en una semana me llaman para solucionar el incidente. Una semana y media después, viendo que no me llaman decido llamarles yo, preguntándoles cuál es el motivo para que no me llamen siendo que yo me estaba jugando 150 € de mi bolsillo. Me explican que no siempre llaman (entonces me pregunto para qué sirven las reclamaciones si pasan de tu cara) que si quiero poner otra, la pongo y me dicen que se van a poner en contacto conmigo. Sigo esperando.

Hasta aquí mi incidente con Jazztel, que no es pequeño, ya que aparte de promocionar mentiras y hacerle la vida aun más difícil al usuario, pasan absolutamente de mí.

Si me pudieran ayudar, o darme alguna respuesta, lo agradecería.


Car Insurance, Compare Car Quotes, NRMA Insurance, car insurance rate quote.

#Car #insurance #rate #quote


Car Insurance

My car insurance needs to cover.

The other person’s car

Comprehensive Car

The other person’s car

Third Party Property

The other person’s car

Fire theft for my car

Third Party Fire

I need to cover my vintage car.

More information

Comprehensive Car Insurance

NRMA Comprehensive Car Insurance covers your car for accidental damage, collision or crash, severe weather, theft, vandalism or malicious acts. Plus we cover the extras on your car like alloy wheels, sunroofs and custom sound systems.

Comprehensive Plus Car Insurance

NRMA Comprehensive Plus Car Insurance is our highest level of cover and gives you all the protection of our Comprehensive Car Insurance product with additional benefits such as excess-free windscreen, sunroof and glass cover. What’s more, with NRMA Comprehensive Plus, you’re never without a car. That’s because we offer you the convenience of car hire up to $100 a day until your vehicle is repaired after an incident or your claim is settled.

Third Party Property Damage Car Insurance

At NRMA Insurance, we offer two levels of Third Party Car Insurance: Third Party Property Damage offers a basic level of protection covering you for damage you cause to someone else’s car or property. It also covers damage to your car caused by an at fault driver for up to $5,000. Third Party Fire Theft Car Insurance offers all the protection of Third Party Property Damage as well as additional fire and theft protection for your own car up to $10,000.

Third Party Fire Theft Car Insurance

As with our Third Party Property Damage cover, NRMA Insurance Third Party Fire and Theft Car Insurance covers you for damage you cause to someone else’s car or property up to $20 million.

However, with additional fire and theft protection for your own car up to a market value of $10,000, NRMA Insurance Third Party Fire and Theft is designed to give you extra peace of mind.

Veteran, Vintage or Classic Car Insurance

We will cover your veteran, vintage or classic vehicle for loss or damage if an incident we cover happens during the car insurance policy period. We will also cover you for Liability up to $20 million. Whether your pride and joy is a veteran (pre-1919), vintage (made between 1919 and 1930) or classic (15 years or older) vehicle, we can provide cover for its agreed value against accidental damage, theft, fire, storm, flood and more.

Why choose NRMA Car Insurance?

  • Automatic cover for modifications, options and accessories
  • Flexible excess levels to help reduce your car insurance premium
  • With the Loyalty Discount, the more eligible policies you have and the longer you stay with us, the more you can save
  • Experience – we’ve been insuring Australians for over 90 years
  • We cover anyone who drives your car*
  • Lifetime guarantee for the workmanship of all authorised repairs, for as long as you own the car
  • 24/7 Helpline assistance
  • No Claim Bonus – receive up to 65% No Claim Bonus if you have a good claims history

*** Additional excess applies to drivers under 25 or with less than 2 years’ driving experience. Cover is subject to standard underwriting guidelines and policy terms. Cover applies to Motor Insurance policies, excludes CTP, commercial policies and specialty products.



BORSA ITALIANA OGGI, milano finanza listino.

#Milano #finanza #listino


BORSA ITALIANA OGGI/ Milano news: chiusura a +2,35%, Telecom Italia a +5,22% (5 aprile 2018)

Borsa italiana news. Pochi i dati macreconomici che oggi potranno influire su Piazza Affari oggi. Tra questi quello sulla disoccupazione Usa. Gli aggiornamenti sulle azioni più importanti

Borsa italana, Lapresse

Pubblicazione: giovedì 5 aprile 2018 – Ultimo aggiornamento: giovedì 5 aprile 2018, 17.43

PIAZZA AFFARI, LA CHIUSURA

La Borsa italiana chiude in rialzo del 2,35% e sul listino principale troviamo in rosso solamente Terna (-0,17%). I rialzi più consistenti sono quelli di Atlantia (+3,14%), Banco Bpm (+4,49%), Banca Generali (+2,25%), Bper (+3,87%), Buzzi (+4,5%), Campari (+2,2%), Cnh Industrial (+4,42%), Eni (+2,1%), Exor (+4,04%), Fca (+4,85%), Ferrari (+2,5%), Fineco (+2,61%), Italgas (+2,38%), Leonardo (+3,74%), Luxottica (+2,17%), Pirelli (+2,13%), Saipem (+2,93%), Stm (+2,67%), Telecom Italia (+5,22%), Tenaris (+4,6%), Ubi Banca (+2,48%) e Unicredit (+2,42%). Fuori dal listino principale Biancamano chiude con un +21,17%, mentre Gel cede il 5,5%. Il cambio euro/dollaro scende sotto quota 1,225, mentre lo spread tra Btp e Bund si attesta a 125 punti base.

PIAZZA AFFARI, AGGIORNAMENTO DELLE ORE 10:20

La Borsa italiana guadagna l’1,6% e sul listino principale non troviamo alcun titolo in rosso. A fare peggio di tutti è Yoox con un +0,2%. I rialzi più consistenti sono quelli di Banco Bpm (+2,3%), Bper (+2,3%), Brembo (+1,7%), Buzzi (+2,6%), Cnh Industrial (+3%), Enel (+1,7%), Exor (+3,2%), Fca (+3%), Intesa Sanpaolo (+1,7%), Mediaset (+2%), Pirelli (+2%), Poste Italiane (+1,6%), Saipem (+1,6%), Stm (+2,7%), Telecom Italia (+3%), Tenaris (+2,1%) e Ubi Banca (+2,3%). Fuori dal listino principale Netweek sale del 12,1%, mentre Assiteca cede il 4%. Il cambio euro/dollaro scende verso quota 1,225, mentre lo spread tra Btp e Bund si attesta a 122 punti base.

PIAZZA AFFARI ATTENDE I DATI DAGLI USA

Giornata che non vede particolari dati macroeconomici a livello europeo quella di oggi. L’unico importante da segnalare arriverà dalla Germania: si tratta dell’indice dei direttori degli acquisti del settore servizi per il mese di marzo. Gli analisti si attendono un dato pari a 54,2 punti, praticamente invariato rispetto al mese di febbraio. Alle 10:40 è prevista un’asta di titoli di Stato spagnoli a scadenza decennale: nell’asta passata si erano visti rendimenti intorno all’1,36% e le attese sono per dei risultati abbastanza simili. Alle 14:30 dagli Stati Uniti sono previste le richieste iniziali di disoccupazione per questa settimana: il consensus vede un dato pari a 225 mila unità, in peggioramento di circa dieci mila unità rispetto alla settimana precedente.

Ieri Piazza Affari ha chiuso con un ribasso dello 0,3%. La seduta era iniziata in lieve ribasso per poi peggiorare nel corso della mattinata. Dopo aver toccato i minimi con un ribasso dell’1,5%, è partito un recupero che ha portato a una chiusura negativa solo dello 0,3% a quota 22.442 punti. Particolarmente bene sono andate le utilities con A2A che è salita dello 0,71%, mentre Enel ha guadagnato lo 0,16%. Misti i bancari con Bper che ha chiuso invariata mentre Intesa e Unicredit hanno ceduto lo 0,4% circa. Male Ferrari che ha perso l’1,55% mentre Fca ha ceduto lo 0,54%. Lo spread fra Btp e Bund ha mostrato una riduzione importante attestandosi a 124,6 punti base. In netto ribasso anche il rendimento del Btp italiano decennale che si è attestato all’1,75%.


Ich repariere Kinderspielzeug, Spielwaren, Spielzeug, kinderspielzeug spenden.

#Kinderspielzeug #spenden


kinderspielzeug spenden

Bitte nehmen Sie sich etwas Zeit und lesen meine Homepage durch. Es lohnt sich in jedem Fall. Gerade in Zeiten von Hartz4 und Arbeitslosigkeit durch Krankheit, oder wie auch immer ist es manchmal nicht m glich ein defektes Lieblingsspielzeug des Kindes zu ersetzen bzw. reparieren zu lassen. Genau hier m chte ich eine Br cke schlagen und Bed rftigen entgegenkommen. Haben Sie keine Scharm mich anzurufen oder eine E-Mail zu schicken ! Machen Sie sich oder einem anderen Menschen eine Freude. Lesen Sie sich alles in Ruhe durch. Falls Sie Fragen haben rufen Sie mich an oder schicken Sie mir eine E-Mail. Es gibt keinen Haken,Tricks oder Hintergedanken. “Ehrenwort” Ich werde alles kostenlos reparieren. Sobald Kosten entstehen w rden kontaktiere ich Sie. Also v llig Risikolos.

Hier gehts los.

Genau diese gehen immer dann kaputt wenn die Garantie abgelaufen ist. Meistens werden solche Spielsachen einfach entsorgt.

Da Reparaturen teuer oder manchmal auch garnicht mehr m glich sind. So die Meinung von Laien oder auch von Herstellern die lieber etwas neues verkaufen m chten. Das ist aber nicht die Meinung vom Elektro-Spielzeugdoktor, denn es geht auch anders und viel billiger.

Da ich mich mit der Wegwerfgesellschaft nicht anfreunden kann und selber Kinder habe, liegt die L sung auf der Hand.

L sung

Trotzdem sind diese Ger t immer noch kein M ll, denn Sie sind Lieferanten f r Ersatzteile.

Das hilft in erster Linie die M llberge kleiner zu halten und schont au erdem den Geldbeutel.

Neuteile

Alle Reparaturen sind kostenlos .

Schicken Sie mir das Spielzeug mit einer Fehlerbeschreibung oder einfach was kaputt ist. Bitte Ihre Anschrift und Telefonnummer nicht vergessen. Am besten ist es wenn Sie mich vorher per E-Mail oder Telefon kontaktieren. Im Downloads ist ein Vordruck im PDF und Word Format, das Sie hierzu benutzen k nnen.

Bitte Spenden Sie Ihr Spielzeug, welches von mir nicht mehr repariert werden kann. Ich ben tige dringend Ersatzteilspender, Danke.

Inhaltsverzeichnis

Kinderspielzeug spenden


RN to BSN Programs in Iowa

#rn #to #bsn #programs #in #iowa


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RN to BSN in Iowa

Iowa has comprehensive continuing education guidelines for nurses, mandating 36 hours of coursework every three years. Nursing salaries fall in line with national averages; nursing assistants earn about $25,000 annually and practical/vocational nurses earn about $38,000. Licensed RNs make approximately $54,000 per year, and nurse practitioners top the list with a yearly salary of about $85,000.

The cities with the most nursing opportunities are Des Moines, Davenport, Moline and Cedar Rapids. Currently, there is a severe shortage of certified nursing assistants (CNAs), especially in nursing homes and other facilities that care for seniors. The shortage is nationwide, but Iowa has been hit particularly hard in this sector.

Manchester, NH & Online. RN to BSN Online

  • Ranked #1 most innovative school by US News in 2017!
  • Transfer up to 90 credits toward the BSN, with a minimum of 30 credits completed at SNHU
  • Complete your undergraduate degree at your own pace, over six 9-week terms per year

Minneapolis, MN & Online. Accelerated RN to BSN Online

  • Accelerated learning. Earn your BSN in as little as one year.
  • Increase your earning potential. RNs with BSNs earn 43% more than those without a bachelor’s degree according to the Nurses Journal.
  • Free iPad. All students receive an iPad to access classes from anywhere.

Fairfield, CT & Online. Online RN-BSN

  • Learn from a top nursing school. Sacred Heart University is recognized by U.S. News as a top university.
  • Build upon existing education. You can transfer up to 90 credits from previous college courses.
  • Get support on your schedule. Sacred Heart’s classes are designed for working RNs and provide one-on-one support to online students.

Minneapolis, MN & Online. RN to MSN – Nursing Leadership

  • Ultimate flexibility. Capella’s signature FLEXPATH curriculum lets you learn at your pace, maintain a full-time job and apply knowledge in the field immediately.
  • Simple, affordable tuition. You can earn your MSN in as little as 12 to 18 months and pay a flat tuition rate every 12 weeks, no matter how many classes you take.
  • Personalized support. Capella focuses on student success with FlexPath coaches, instructors and tutors every step of the way.

RN-to-BSN Programs in Iowa

Here we have compiled a comprehensive list of Iowa s RN to BSN programs. In the summaries below, you will find all the essential program information to help you quickly narrow down your RN to BSN search.


Bail Bonds in San Francisco, CA

#bail #bonds #san #francisco


#

Bail Bonds San Francisco

Bail Bonds in San Francisco, California

Trying to deal with jails, sheriffs and the courts when posting bail for a friend or loved one that’s been arrested can be overwhelming when you are unfamiliar with the process. Most folks come to Bail Bonds for our services because they have no idea where to begin when it comes to posting bail. They are often scared and worried, and they prefer to hire a professional bondsman who knows the court system and how to post bail bonds in San Francisco legally. At Bail Bonds, we know defendants are anxious to get out of jail and loved ones are worried sick over their welfare. You can rest assured; we will take great care to see that the accused is released from jail as quickly as possible. We need you to fill out a short application, sign a contract, pay our fee, and we’ll see the bond is posted with the court and your loved one is released on bail.

How Bail Bonds in California Work

Once a person is accused of a crime in California, they are arrested and booked into jail. Normally, within about 48 hours, they are taken before a judge or a magistrate to determine if bail can be granted. Posting bail is the method used to get prisoners released from jail. Once bail is legally posted, prisoners are released from jail and are free to continue on with their lives until their court date. However, if bail is not granted or bail is not posted, prisoners remain in jail until their court date. Sitting in jail for days, weeks or months isn’t something most of us want to consider.

Bail can be posted in the form of a property bond, bail bond or a cash bond. Essentially, bail is a financial incentive to convince arrestees to return to the courts for their scheduled appearances. When bail is set properly and high enough, it encourages most folks to return to court.

Many of our clients turn to bail bond services to cover the cost of bail for a friend or a loved one because they don’t have enough assets or cash to pay the full bail amount. That is one of the nice benefits of hiring a bail bondsmen service. We have the experience, training, licenses, assets or the cash to post the full bail bond amount for release of a prisoner quickly and legally. We take on the responsibilities of posting bail bonds in California. so you don’t have to worry.

Why Clients Choose Bail Bonds?

  • Our bail bondsmen company has years of experience posting bail bonds. We are legally licensed and bonded to conduct business in the state of California.
  • Clients can count on us to post bonds 24 hours a day, seven days a week. Our top priority is customer service.
  • Bail Bonds works with an entire network of licensed and bonded bondsmen, so we always have someone to advise you and post bail.
  • Each bondsman has completed the necessary training and has the qualifications and experience to conduct business with the jails and courts and to post bail bonds in San Francisco.

How Does the Bail Bond Process Work?

    • Online Application Clients looking to hire our services should fill out our short online application. It only requires basic contact information such as your name, phone number and email address. You’ll be contacted within minutes of submitting the form. We will ask you for some additional information about yourself and the defendant to get the case started.
    • Contract You can expect to sign a contract to hire our services. It will explain how long you’ll retain our services and the cost of our services.
    • Court After hiring our services, we handle all the necessary paperwork required by the court. We see to it that the full amount of bail required by the court is paid on your behalf.
    • Jail We fill out the required release forms from the county or city jail to have the detainee released.

Commonly Asked Questions About Bail Bonds

How quickly can a prisoner be released from jail?

The San Francisco area has several jails of varying sizes, so they may differ in the number of officers available for processing prisoner releases. In most cases, you can expect to have a prisoner released in a matter of a couple of hours. Smaller jails with less staff may take as long as a day to release a prisoner.

How much does it cost to hire bail bond services in California?

We charge our clients 10 percent of the full bail amount, which the court charges us to have a prisoner released. For example, if the court charges us $10,000, we would charge you $1,000 for our services. Our services include consulting services, posting the bail bond and completing release forms at the jail.

What types of payment options are available for bond services?

Payments are due immediately after signing a contract for our services. Our preferred method of payment is cash. However, we are also prepared to accept credit cards and debit cards, which charge a small processing fee to clients in addition to the cost of services.

How Is Bail Set?

In California, judges are responsible for setting the amount of bail, or they decide if bail will even be an option. Judges rely on county bail schedules for input when determining bail amounts. However, ultimately, it is up to the judge to use his or hers discretion when setting bail. A judge must also consider:

      • Criminal histories.
      • The seriousness of the crime.
      • Specific facts related to the case.
      • If the detainee is a flight risk.

Bail Bond Options for the State of California

California accepts cash, bail bonds and property bonds for prisoner releases.

As the name implies, cash or a credit card may be used to post bail bonds in San Francisco. In many instances, it is highly unlikely that cash will be paid by a friend or family member when bail is exceptionally high. It isn’t unusual for bail bondsmen to post cash in some situations.

Bail bondsmen frequently post bail with bail bonds. The client or the accused person signs a contract with the bonding agent to post bail on their behalf.

Real property like homes, vehicles and valuables can be posted as a bond. However, courts in California require the property to be equal to twice the amount of bail and meet other conditions.

Helpful Information Documents for Bondsmen

By providing your bondsman with the following information and documents, it can help to speed up the release process.

Defendant

  • Full name, DOB and home address.
  • Copy of driver’s license and Social Security card.
  • Bail amount and jail location.

Client

  • State your relationship to the defendant.
  • Copy of your driver’s license.
  • Your current employer’s name, company phone number and work address.
  • Your first and last name, home address and a phone number where you can be reached.

Posting bail bonds in San Francisco can be a long process for those unfamiliar with the system. Bail Bonds would be happy to take care of the job for you quickly and professionally.


Heating Homes, warming hearts

#energy #assistance, #home #energy #assistance, #low #income #energy #assistance


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THE HEAT IS ON

The sun is shining and the fairway is green. Time to trade in those snow boots for some golf shoes!

Put yours on and join us for THE HEAT IS ON 14th annual golf tournament at the exclusive Sanctuary.

All proceeds support EOC’s affordable home energy programs to keep Coloradans warm and safe. The tournament is limited to 120 golfers. Sign up now and support a neighbor in need while practicing your backswing!

Helping Coloradans afford home energy

Energy Outreach Colorado’s affordable energy programs help vulnerable Coloradans stay warm and safe at home.

If you need assistance keeping up with your heating bill, you’re not alone. Energy Outreach Colorado offers these ways to help you stay warm and safe in your home.

There are many ways to get involved with us. Learn about how you can join us in helping support Coloradans in need.

We offer energy efficiency grants to reduce energy costs for affordable housing and nonprofit buildings.

Keep plugged in!

We’re not asking you to use extra energy – instead, we want to keep you connected with the work we’re accomplishing with our community of supporters by signing up for our e-communications. Don’t worry, we will never share, exchange or sell your information across any power grid – we’ll just use it to keep you enlightened about what we’re doing to help low-income Coloradans afford their home energy. If you ever decide you don’t have time for our every-other-month e-newsletter or to read about how we’re improving the lives of struggling Coloradans, you can always unsubscribe. We promise to respect your wishes.

Get Social

See our latest stories, news and announcements on social media! Spread the word and stay connected.

Energy Outreach Colorado
225 East 16th Ave, Suite 200
Denver, CO 80203

Energy Outreach Colorado was established in 1989 as the only non-profit, 501(c)3 in the state that raises funds to help thousands of low-income Coloradans afford home energy and remain warm and safe in their homes.


Compare Cheap Car Insurance Quotes at GoCompare, car insurance comparison chart.

#Car #insurance #comparison #chart


Car insurance

Compare cheap car insurance quotes and see if you could save

  • Compare car insurance quotes from over 120 brands with a single search [1]
  • What you see is what you get, with Defaqto info to help you choose
  • Find your insurance group and add second drivers quickly and easily

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Our trusted car insurance brands

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How fully comprehensive car insurance has your back

Does my car insurance offer cover for flood damage?

Drivers warned of dangers of ‘fronting’

Have you got adequate cover for the contents of your car?

Can I compare quotes for my double cab pick-up?

Comparing car insurance could mean serious savings

What does the ECJ gender ruling mean for women drivers?

Like death and taxes, car insurance is unavoidable if you want to keep your vehicle on the road and the right side of the law.

Fortunately, calling round dozens of insurers for a quote has been consigned to history – with GoCompare you only need to fill out a single form with your personal information, details of your car and any extra drivers you want to put on your policy.

Get informed


  • Find the cheapest car insurance groups
  • Rummage around in the Car insurance garage

How to get a car insurance quote

If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.

Next, you’ll need to let us know:

  • Your car’s value
  • How much no-claims bonus you’ve amassed
  • Your annual mileage
  • Usage – social, commuting or business
  • Your occupation

Quotes that cater to you

Once you’ve got some quotes to look at, you can narrow things down a bit if you know exactly what you want:

  • Choose your voluntary excess
  • Opt to protect your no-claims bonus
  • Decide whether to pay monthly or annually

Change any of these and you’ll get a fresh set of prices to fit your new answers.

Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

You don’t need to take our word for it either – when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

Need to know more about car insurance?

We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

Did you know.


  • 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums [2]
  • 32% of drivers have been with their current insurer for three years or more [2]

Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

There’s also plenty to read and delight on wider motoring issues.

Vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips – peruse at your leisure.

  • Car insurance comparison chart

Protect yourself from keyless car theft

  • Car insurance comparison chart

    New year, new car bargains

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    Driving home for Christmas

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    Cheap cars for young drivers

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    Driving America’s car chase heroes

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    Best cars for winter driving

    [1] Correct as of 18th October, 2017

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

    † Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites


  • Diventa donatore di sangue, criteri di sospensione, limite età per donazione sangue.

    #Limite #età #per #donazione #sangue


    FIDAS

    Il sangue non si produce in laboratorio ed il fabbisogno annuo in Italia è di oltre 2.400.000 unità di sangue intero e più di 800.000 litri di plasma. Limpossibilità di ottenerlo tramite procedimenti chimici e il suo larghissimo impiego, rendono il sangue un presidio terapeutico prezioso non sempre disponibile.

    La maggior parte di noi può donare il sangue e molti, almeno una volta nella vita, potrebbero averne bisogno.

    Alcuni tipi di donazione:

    • Donazione multipla di emocomponenti

    Per molti ammalati il sangue e/o suoi componenti è terapia indispensabile per la sopravvivenza, alcuni esempi:

    • Globuli rossi, in caso di perdite ematiche ed anemie;

    • Piastrine, in caso di malattie emorragiche;

    • Plasma, in caso di grosse ustioni, tumori del fegato, carenza dei fattori della coagulazione;

    • Plasmaderivati, fattore VIII e IX per emofilia A e B, immunoglobuline e albumina per alcune patologie del fegato e dell’intestino.

    La sicurezza delle trasfusioni e il raggiungimento dell’autosufficienza regionale e nazionale di sangue, emocomponenti e farmaci derivati, è lobiettivo del Servizio Sanitario Nazionale e il maggior impegno delle Associazioni e Federazioni dei donatori.

    La donazione da donatori volontari, periodici, responsabili, anonimi, e non retribuiti è la migliore garanzia per la qualità e la sicurezza delle terapie trasfusionali.

    • Età compresa tra 18 e 65 anni (la donazione di sangue intero da parte di donatori periodici di età superiore ai 65 anni fino a 70 può essere consentita previa valutazione clinica dei principali fattori di rischio età ­correlati).
    • Peso non inferiore a 50 Kg
    • Pressione arteriosa sistolica inferiore o uguale a 180 mm di mercurio
    • Pressione arteriosa diastolica inferiore o uguale a 100 mm di mercurio
    • Frequenza cardiaca regolare, compresa tra 50 e 100 battiti/minuto
    • Emoglobina • minimo 13,5 g/dL nell’uomo, Hb • 12,5 g/dL nella donna; per la donazione di plasma i valori minimi scendono a 12,5 g/dL nelluomo e 11,5 g/dL nella donna;
    • Buono stato di salute;
    • Non può donare chi ha comportamenti a rischio, tipo: assunzione di sostanze stupefacenti, alcolismo, rapporti sessuali ad alto rischio di trasmissione di malattie infettive, o chi è affetto da infezione da virus HIV/AIDS o portatore di epatite B o C, o chi fa uso di steroidi o ormoni anabolizzanti.

    Alcune condizioni patologiche o comportamentali non sono compatibili temporaneamente o definitivamente con la donazione in quanto dannose per il donatore e/o per il ricevente.

    Non esistono categorie di persone escluse dalla donazione, ma nella selezione del donatore sono valutati i comportamenti individuali che possono risultare a rischio.

    Si effettua presso un servizio trasfusionale o unità di raccolta e consta di:

    • accertamento dellidentità del candidato donatore e compilazione di un questionario;

    • colloquio con il medico e valutazione delle condizioni generali di salute;

    • acquisizione del consenso informato alla donazione.

    Il giorno del prelievo è preferibile presentarsi dopo una leggera colazione a base di frutta fresca o spremute, thè o caffè poco zuccherati. Non si possono mangiare cibi calorici né bere latte.

    Prima della donazione si svolge un colloquio con personale medico per accertare che il candidato donatore abbia i requisiti per effettuare la donazione e per stabilire il tipo di donazione più indicata: sangue intero o suoi componenti.

    Ulteriori indagini sanitarie accerteranno l’effettiva idoneità della persona a diventare donatore di sangue.

    Alla prima donazione vengono effettuati i seguenti controlli immuno-ematologici:

    • determinazione ABO, test diretto e indiretto;

    • determinazione fenotipo Rh completo;

    • ricerca degli anticorpi irregolari anti-eritrocitari:

    Ad ogni donazione il donatore viene sottoposto ai seguenti esami:

    • esame emocromocitometrico completo;
    • sierodiagnosi per la Lue (per la sifilide);
    • HIV Ab 1-2 (per lAIDS);
    • Hbs Ag (per lepatite B );
    • HCV Ab (per lepatite C);
    • HCV NAT;
    • Test sierologico per la ricerca combinata di anticorpo anti HIV 1-2 e antigene HIV
    • Anticorpi anti-Treponema Pallidum (TP) con metodo immunometrico
    • HBV NAT
    • HIV 1 NAT

    Alla seconda donazione, se non già confermati, devono essere confermati fenotipo ABO ed Rh completo e l’antigene Kell.

    Su ogni successiva donazione devono essere confermati il fenotipo ABO (solo test diretto) ed Rh (D) La ricerca di anticorpi irregolari anti-eritrocitari deve essere ripetuta in presenza di eventi che possono determinare una stimolazione immunologica del/della donatore/donatrice.

    Ogni anno il donatore è sottoposto ai seguenti esami:

    glicemia, creatininemia, alanin-amino-transferasi, colesterolemia totale e HDL, trigliceridemia, protidemia totale, ferritinemia. 7. L’esame emocromocitometrico e il dosaggio della ferritina sono sistematicamente tenuti in considerazione ai fini della prevenzione della riduzione patologica delle riserve marziali nel donatore e della personalizzazione della donazione

    Il prelievo del sangue dura tra i 5 e i 10 minuti ed è del tutto innocuo, in quanto effettuato con materiale sterile e monouso. Per legge, il sangue prelevato oscilla tra i 450 ml. +/- 10%.

    I donatori di sangue e di emocomponenti con rapporto di lavoro dipendente, ovvero interessati dalle tipologie contrattuali di cui al decreto legislativo 10 settembre 2003, n. 276, hanno diritto ad astenersi dal lavoro per l’intera giornata in cui effettuano la donazione, conservando la normale retribuzione per l’intera giornata lavorativa.

    La frequenza massima delle donazioni di sangue intero è di quattro volte l’anno (con intervalli minimi di 90 giorni fra una donazione l’altra), ma per le donne in età fertile la frequenza scende a due.

    Per altri tipi di donazione l’intervallo tra una donazione e la successiva è sensibilmente inferiore.

    Principali criteri di esclusione alla donazione

    È necessario tenere presente lesistenza di alcune condizioni che possono costituire esclusione, temporanea o permanente, dalla donazione di sangue.


    Air Berlin: Deutschlands Flugriese, insolvente unternehmen.

    #Insolvente #unternehmen


    Air Berlin

    Deutschlands zweitgrößte Fluggesellschaft im Ausverkauf: Für Air Berlin ging es lange abwärts, mit dem Aktienkurs, den Finanzen – und der Stimmung. Mehr dazu, ob und von wem Air Berlin zu retten ist, lesen Sie hier.

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    Insolvenzverfahren in Österreich : Bei Niki geht alles wieder von vorne los

    Plötzlich haben alte Interessenten wieder Chancen: Niki Lauda, Tuifly und Condor. Das hatte Niki verhindern wollen. Von Heike Jahberg mehr

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    Nach Air-Berlin-Pleite : Bis zu 100 Millionen Euro Umsatzausfall für Tourismusbranche in Berlin erwartet

    Diese Zahl nannte “Visit Berlin”-Chef Burkhard Kieker auf dem Neujahrsempfang der Tourismusmarketing-Organisation. Eine Offizielle Statistik liegt jedoch noch nicht vor. Von Bernd Matthies mehr

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    Verkauf der Air-Berlin-Tochter : Niki zieht alle Register

    Die insolvente Airline geht vor den BGH und eröffnet ein Insolvenzverfahren in Österreich. Hauptsache, der Verkauf an IAG steht. Von Heike Jahberg mehr

    Insolvente unternehmen

    Streit um Insolvenz der Airline : Niki hängt wieder in der Luft

    Die juristische Auseinandersetzung um den Ort der Insolvenz nimmt kein Ende. Das Landgericht Berlin spricht sich für Wien aus. Von Alfons Frese mehr

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    • 05.01.2018 20:52 Uhr Easyjet in Tegel gestartet Britischer Billigflieger sorgt für Champagnerlaune

    Air Berlin war einst die größte Nummer am Flughafen-Tegel. Nun hat Easyjet diese Rolle feierlich übernommen. Berlins Flughafenchefs atmen auf. Von Rainer W. During mehr

    Insolvente unternehmen

    Easyjet bedient künftig beide Flughäfen in Berlin. Die Billigfluglinie hat Teile der Strecken der insolventen Air Berlin übernommen. Auch andere Fluggesellschaften wollen Tegel wieder nutzen. Von Rainer W. During mehr

    Insolvente unternehmen

    Air Berlins Insolvenzverwalter lässt bald das Inventar der Airline versteigern. Auch Schokolade ist dabei. Von Kevin P. Hoffmann mehr

    Insolvente unternehmen

    Der Rechtsstreit um die Insolvenz der Air-Berlin-Tochter Niki geht in die nächste Instanz. Das Berliner Amtsgericht verwies die Beschwerde an das Landgericht. mehr

    Insolvente unternehmen


    Abogados Portaley Madrid y resto de España, abogados especialistas.

    #Abogados #especialistas


    Abogados Portaley penal, civil e Internet

    Abogados Portaley Madrid y Resto de España Abogados especializados en Derecho Penal, Internet, Delitos Informáticos. Abogados en Madrid y resto de España

    En Abogados Portaley nos preocupamos por nuestros clientes, queremos prestar el mejor servicio legal

    No dude consultar cualquier problema legal somos el Bufete de abogados que necesita

    Abogados especialistasConfíe en Abogados Portaley su caso o su problema legal. Somos abogados especialistas en Derecho Penal, Civil y Nuevas Tecnologías.

    Con amplia experiencia en Delitos Informáticos relacionados con Internet y Nuevas Tecnologías

    • Consulta Legal por teléfono o bien correo electrónico.
    • Abogados especialistas en la materia le atenderán y resolverán su problema.
    • Recibirá una valoración de su asunto, las vías de actuación y un presupuesto por la mejor solución.
    • Personalizada y cuidada atención a nuestros clientes.

    Abogados especialistas

    Nuestra directora Noelia García Noguera, abogada especialista en Derecho Penal

    Consulte su caso, asesoramos, ayudamos y enfocamos

    la problemática legal de nuestros clientes

    trabajando insistentemente para encontrar

    la mejor solución para sus intereses

    Despacho de Abogados Portaley – La mejor defensa jurídica

    Ofrecemos un servicio acorde a las necesidades de nuestros clientes. Nuestros abogados son especialista en la materia que necesita asesoramiento, podrá comprobar en todo momento que comprenden su problema legal. Entre los casos en los que nos hemos especializado se encuentran estafas, suplantación de identidad, delitos contra la seguridad vial, descubrimiento y revelación de secretos, espionaje, extorsión, delitos informáticos, …

    Cuente con profesionales especializados y con años de experiencia.

    Consulte su problema legal a Abogados Portaley

    Nuestras oficinas centrales se encuentra en Madrid, pero puede contar con nuestros servicios legales en toda España.

    Nuestras oficinas se encuentran en el centro de Madrid, hemos ayudado clientes en diferentes lugares de España, ya que necesitaban a abogados especializados en ciertos delitos y necesitaban el mejor asesoramiento. Entre los lugares en los que hemos trabajado se encuentran Tenerife, Gran Canarias, Alicante, Valencia, Barcelona, Granada, Oviedo, Bilbao. …

    Abogados especialista en Estafas, como las falsas ofertas de empleo


    Schwammsanierung, Hausschwamm, Hausschwammsanierung, Destra, sanierung unternehmen.

    #Sanierung #unternehmen


    Schwammsanierung

    Schwammsanierung wird dann notwendig wenn der Hausschwamm die Substanz des verbauten Holzes angegriffen hat und weitere Schäden unabdingbar sind. Wir arbeiten bundesweit mit mehreren Teams in der professionellen Hausschwammsanierung und den dafür notwendigen Maßnahmen von der Begutachtung bis zum Entfernen des Hausschwammes und desen Ursachen.

    Angebote und Terminvergabe unter:

    Sanierung unternehmen

    Der Echte Hausschwamm ist ein Holz zerstörenden Pilz, der zum Leben feuchtes Holz benötigt. Hausschwamm gehört zur Gruppe der Hausfäulepilze, er beginnt sein Wachstum bei einer Holzfeuchtigkeit von 35 bis 60 %. Bei der Schwammsanierung wird der Hausschwamm in mehreren Schritten entfernt, dies erfordert den Einsatz chemischer Mittel die nur durch Fachfirmen eingesetzt werden dürfen.

    Nach einer Begutachtung des Hausschwammes, kommt es zur Schwammsanierung, dem Austausch des befallenen Holzes und der Beseitigung der Ursachen fГјr den Befall.

    (Lizenz Bild: GNU/wikimedia)

    Anfragen bundesweit unter der kostenfreien Tel.: 0800 800 8778 ( 0 ct./min. )

    Wir arbeiten nach DIN 68800-4

    Der Echte Hausschwamm ist ein Holz zerstörenden Pilz, der zum Leben feuchtes Holz benötigt. Hausschwamm gehört zur Gruppe der Hausfäulepilze, er beginnt sein Wachstum bei einer Holzfeuchtigkeit von 35 bis 60 %. Die Schwammsanierung wird der Hausschwamm in mehreren Schritten entfernt. erfordert zum.

    Bekämpfung eines Hausschwammbefalls

    Der Ablauf einer Schwammsanierung erfordert zuerst eine fachliche Begutachtung des Hausschwammes und vorallem desen Ursachen. Wir arbeiten als Gutachter und können die verursachenden Gegebenheiten lokalisieren. Wir arbeiten bei der Schwammsanierung zertifiziert nach deutscher DIN 68800-4 und den damit verbundenen Qualitätsstandarts. Die Arbeiten einer Schwammsanierung umfassen im grundlegenden immer folgende Abläufe:

    • • Befallsbestimmung und Befallsnachweis (Gutachter)

    • Entfernen des Hausschwammes

    • Sperrung des Mauerwerkes

    • Behandlung des Holzes

    • Behandlung des Mauerwerks

    • Entsorgung als Sondermüll

    • Beseitigung der Ursachen

    • Kennzeichnung nach der Schwammbekämpfung

      Unsere weitere detailierte Arbeitsweise finden Sie weiter unten.

      Sanierung unternehmenSanierung unternehmenSanierung unternehmenSanierung unternehmen

      Hausschwamm erkennen

      Hausschwamm kann sehr deutlich erkennbar sein, er kann sich aber auch komplett im Verborgenden ausbreiten und unsichtbar sein. Hausschwamm erkennt man am Holz wenn Braunfäule zeigt. Das Holz reißt und der Pilz zerfrisst die gesamte Struktur des Holzes, dies geschieht zuerst unsichtbar im Inneren des Holzes bevor der Hausschwamm Pilz dann auch außen mit seinem bräunlichen flachen Fruchtkörper zu sehen ist, hat er die gesamte innere Struktur zerfressen. Im fortgeschrittenen Stadium zerfällt das Holz regelrecht und lässt sich mit den Händen zu Pulver zerdrücken. Hausschwamm kann so schnell voranschreiten das innerhalb eines Jahres eine Eichendielung mit 1,8 cm Stärke mit der Hand zu zerdrücken geht. Dann ist eine Schwammsanierung unumgänglich.

      Bei Hausschwamm zeigen sich folgende Merkmale:

      • eine scharf begrenzte, weiße Zuwachsfront

      • helle bis silbrig-graue Pilz-Stränge

      • Hausschwamm verbreitet sich vom Holz in das Mauerwerk

      • Hausschwamm befindet sich zu 90% im Verborgenden und

      • Hausschwamm zerstört innerhalb 1 Jahres die gesamte innere Holzstruktur

      Schwammsanierung

      DESTRA – Wir arbeiten nach DIN 68 800-4, dieser deutsche QualitГ¤tstandart garantiert Ihnen die AblГ¤ufe des Vorgehens bei einer Schwammsanierung und bringt damit einen hohen QualitГ¤tstandart. Unsere Teams sind fachlich ausgebildet, wir arbeiten in jedem Objekt nach den individuellen Anforderungen die zur Schwammsanierung benГ¶tigt werden. Bei den meisten EinsГ¤tzen muss nach dem Gutacheten und dem ersten Entfernen des Pilzes viel Holz und Mauerwerk entfernt, ersetzt oder chemisch behandelt werden. Dabei wird das Mauerwerk aufgebohrt und mit Sperrmittel bestГјckt, das HeiГџluftverfahren gilt dabei nicht als fachgerecht. Die MaГџnahmen zur Schwammsanierung mГјssen so ausgerichte sein das einem erneuten Wiederbefall durch Hausschwamm vorbeugt wird.

      • jegliches mit Hausschwamm befallenes Holz entfernen

      • Oberflächenmycelien, Schwammstränge und Hausschwamm-Fruchtkörper entfernen

      • Sichherheitsentfernung mit 1,5 m über den Hausschwamm-Befall

      • abflammen der Hausschwammreste am Mauerwerk mit Heißbrenner

      • Mauerwerk aufbohren und Pilze im Mauerwerk chemisch behandeln

      • Verputzung vom Mauerwerk entfernen Mörtelreste entfernen

      • Versteckte Holzkonstruktionen und Balken freilegen

      • Befallene Schüttungen mit einem Sicherheitsabstand von 1,5m ausheben

      • Feuchtigkeit beseitigen

      • Objekte nach der Schwammsanierung vollständig austrocknen

      • Schwammsperrmittel mittels Durchtränkung und Verpressung einbringen

      • Wir verwenden Bohrlochtränkung, Schaumverfahren, Injektageverfahren

      • Mauern aussen mit Schwammsperrmittel behandeln

      • nicht befallenes Holz chemisch behandeln

      • Hausschwamm befallenes Material als Sondermüll entsorgen

      Die Beseitigung durch eine Trockenlegung oder Schwammsanierung ist selbstverständlich auch aus gesundheitlichen Gründen bei hoher Sporenaktivität in der Atemluft bei Menschen mit Reaktionen erforderlich. Bei einem Hausschwammbefall bilden sich auch andere Schimmelpilze die ebenfalls ein beträchtliches Gesundheitsrisiko darstellen.

      Hausschwamm Vorbeugung

      Um einer Schwammsanierung und der Schädigung des Holzes durch Hausschwamm vorzubeugen kann man folgende Maßnahmen durchführen:

      • dauerhafte regelmäßige Belüftung von Holzbauteile

      • ausreichende Belüftung von Kellern

      • kein Lagerung von Holz oder Brennholz in Gebäuden oder feuchten Kellern

      Anfragen und Informationen zur Schwammsanierung erhalten Sie unter:

      • Sanierung unternehmenSchwammsanierung


    Compare Cheap Car Insurance Quotes, compare auto insurance companies.

    #Compare #auto #insurance #companies


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    Qué cuota de la hipoteca que deberías pagar según tu sueldo, hipoteca de maximo.

    #Hipoteca #de #maximo


    Preahorro

    Cuál es la cuota máxima que deberías pagar por tu hipoteca

    Hipoteca de maximo

    La mayor parte de los españoles necesita endeudarse para comprar una casa y ese es precisamente el principio de muchos de sus males relacionados con la vivienda. A la hora de buscar su piso harán números para saber cuánto pueden y se fijarán en la cuota de la hipoteca para decidir el valor máximo que están dispuestos a afrontar. A partir de ahí sólo tendrán que buscar la casa de sus sueños y vivir la aventura de convertirse en propietarios.

    El razonamiento parece lógico, estas personas han hecho cuentas y, sin embargo, esta forma de actuar es la piedra angular de las malas decisiones financieras en el ámbito de la vivienda y el error más repetido por los españoles al comprar casa. La cuota de un préstamo es su parte más variable, precisamente porque es el resultado de los cálculos relacionados con la hipoteca y no una cifra fija. Se obtiene de la relación entre el tipo de interés, el sistema de amortización y la duración de la hipoteca. Cuánto más largo es un préstamo, menor será la cuota mensual resultante. Alárgalo hasta el infinito y tendrás una mensualidad insignificante. Si optas por endeudarte a 400 años y dejar que tus tataranietos paguen tu casa, podrás convertirte en propietario por apenas 250 euros al mes de préstamo para una vivienda de 150.000 euros y un tipo constante del 2%.

    El problema es que cuando piensas en términos mensuales es muy fácil perder la perspectiva global del préstamo y terminar endeudado por una cantidad superior a la que tenías presupuestada inicialmente. A fin de cuentas, “75 euros más al mes de hipoteca no van a hacer daño a nadie y la casa es mucho mejor”. Si estás pagando 554 euros de hipoteca por una casa de 175.000 euros a 40 años y un 2% de interés, bien puedes pagar 654 euros y comprar una de 200.000 euros que es más grande y mejor. Visto así, puede parecer que los números hasta cuadran y es curioso como nadie se planteará pagar más para reducir los años de la hipoteca.

    El vendedor te lo pondrá fácil, enseñándote casas ligeramente por encima de tu presupuesto y tu propio cerebro se encargará del resto. En otras palabras, los árboles (todo lo que rodea la compra de la casa y la hipoteca) te impedirán ver el bosque (lo que realmente importa al hipotecarte). Si todavía no lo entiendes, nosotros también te lo vamos a poner muy fácil. Siguiendo con el ejemplo anterior, en el primer caso terminarás pagando 196.000 por tu préstamo (incluidos los gastos de compra) y 89.120 sólo en intereses, mientras que en el segundo abonarás 224.000 euros por tu casa y 101.440 euros sólo en intereses según el simulador de Idealista.com. ¿Ves ahora más clara la diferencia?

    ¿Qué cuota de hipoteca puedes pagar?

    Como ya has visto, pensar en términos de cuota mensual es un gran error, pero si todavía quieres hacerlo porque necesitas saber la mensualidad de la hipoteca para cuadrar tu presupuesto, te proponemos un cambio de enfoque: que sea el plazo máximo al que debes endeudarte el que marque la cuota. Dicho de otra forma, pon el pago mensual de la hipoteca en el lugar de la ecuación que le corresponde.

    Si no quieres hipotecarte la vida no deberías endeudarte a más de 15 de años y si pones esta baremo como límite, la cuota pasará a un segundo lugar y serán los intereses totales máximos que quieres pagar por la vivienda, ese dinero que estás casi regalando al banco, los que marquen el límite. Usa esta técnica y tendrás mucho más claro la hipoteca que puedes pagar.

    Siguiendo con el ejemplo anterior, para ese mismo préstamo de 175.000 al 2% una hipoteca a 15 años arrojaría un pago mensual de 1.261 euros. ¿Demasiado? Pues entonces es que quizás la casa a la que aspiras esté todavía fuera de tu alcance.

    ¿Te gustaría poder comprar casa sin hipoteca? En este artículo te explicamos cómo puedes hacerlo. Si quieres ponerte en marcha ya mismo, te recomedamos el curso gratuito Libertad Financiera con el que puedes ahorrar diez veces más que la personas de tu edad y salario.

    Hipoteca de maximoHipoteca de maximoHipoteca de maximoHipoteca de maximoHipoteca de maximo


    Seguros Guicamo, seguro hogar.

    #Seguro #hogar


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    Seguros de Decesos Seguros de Decesos en Zaragoza

    Este seguro tan particular se comercializa con Г©xito en EspaГ±a desde hace mГЎs de un siglo con un arraigo social incuestionable: casi en la mitad de nuestros hogares hay una pГіliza de seguro de.

    Seguros de AutomГіviles Seguros de AutomГіviles en Zaragoza

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    Seguros de Vida Seguros de Vida en Zaragoza

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    WEB HOSTING providers with SSH shell access – January 2018, secure web hosting.

    #Secure #web #hosting


    Secure web hosting Secure web hosting

    Secure Shell (SSH) access allows you to log in to your web hosting account and use UNIX/Linux command line instructions to manage your website. This allows you to quickly and easily compress/decompress files easily, automate backups and other tasks (cron jobs) – including b2evolution’s scheduled tasks –, change file permissions for complete directory structures, edit hidden/system files such as .htaccess etc.

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    Most of the web hosts above will give you a special promo price, either via a coupon or automatically if you sign up through this page. Disclaimer: Some of these hosts will pay us a commission in addition to giving you a promotional price. These commissions are reinvested in the development of the b2evolution software.

    About SSH

    SSH (Secure Shell) allows remote commande line login into a server. It is a successor to the antiquated telnet which wasn’t very secure. With SSH, on the contrary, all data transmitted between your computer and the server is heavily encrypted in order to prevent password or other sensitive data sniffing. In other words, SSH provides a secure communication channel, even if the network you use to connect is unsecure.

    There are two major versions: SSH-1 and SSH-2. All hosting companies today support SSH-2, which offers enhanced security.

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    Hosting plan details

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    A2 Hosting

    A2 Hosting recognizes the need for SSH access to manage your website efficiently. Even better, SSH is included in all their hosting plans. You also don’t have to ask for it separately; you will get all the login credentials you need in the welcome email.

    Free SSL100% SSD drivesChoice of Datacenter (USA / Europe / Asia) • Unlimited RAID-10 Storage • 5 Databases • 1 Domain, 5 Sub-Domains, 25 Parked Domains (b2evolution can manage all 25 with a single install) • 25 Email Addresses• Free site transfer • Easy install & configuration of b2evolution at signup (many other scripts also available) • 24/7/365 US-Based Guru Crew Support • Green

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    InMotion Hosting

    « InMotion Hosting provides their Business Hosting users with secure remote access via SSH so that you can use the command line for easier site administration.

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    HostGator

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    Strayer University, quality degree online.

    #Quality #degree #online


    #

    quality degree online

    Quality degree online

    Learn more

    An Affordable, Accredited Online College

    For 125 years, we have helped working adults earn the degrees employers seek, and offered the most flexible way to earn them. Our master’s, bachelor’s and associate online college programs include Business Administration, Information Systems & Technology, Accounting, Human Resource Management and more. Once you choose your concentration, Strayer offers quality support programs that set us apart from other online colleges, including:

    • The flexibility to learn online or in the classroom, so you can earn your degree on your schedule
    • A personal Success Coach to help you balance your education with your busy life, so you can focus on your studies
    • Professors with real-life experience who design hands-on curricula, providing skills you can apply right away
    • A community of Strayer students and alumni to help you form professional networks and friendships along the way

    Provision of laptop available only to new and readmitted master’s degree seeking students at the following Strayer University locations: Greensboro, Huntersville, North Charlotte, North Raleigh, Research Triangle Park, South Charlotte, South Raleigh, Chesapeake, Chesterfield, Fredericksburg, Henrico, Newport News, Virginia Beach, and Teays Valley Campuses. Students must complete three quarters within their first four quarters in order to keep the laptop. This offer does not apply to new or readmitted students enrolling in the Digital Entrepreneurship MBA. This offer does not apply to continuing students, Strayer University or Strayer Education Inc. employees, or family members of such employees, and students receiving tuition assistance from Verizon or Verizon Wireless may only borrow and use the laptop subject to the terms of the Master’s Laptop Verizon and Verizon Wireless Loaner Agreement. Students enrolled in a master’s degree program through [email protected] or [email protected] are not eligible for the program. Limitations for other Corporate sponsored programs students may also apply. Please contact your home campus for more information. Only one laptop will be provided per student. Students who have already received a no-cost laptop during their bachelor’s degree program will not be eligible to receive an additional laptop. In the event the laptop is broken, lost, stolen, or otherwise incapacitated, Strayer will not provide a replacement. Laptop opportunity is subject to change at any time. Complete details are available in the Master’s Laptop Agreement or the Master’s Laptop Verizon and Verizon Wireless Loaner Agreement, as applicable.


    Internet Monitor

    #monitor #web #site


    #

    Brojke i fiktivne brojke

    50 općina i gradova u kojima se više rađa nego umire

    Od ukupno 556 gradova i općina u samo 50 hrvatskih gradova i općina u posljednjih šest godina bilo je više rođenih nego umrlih, piše Večernji. Najveći broj gradova i općina u kojima se više ljudi rađa nego što ih umire nalazi se u Splitsko-dalmatinskoj, Zadarskoj, Zagrebačkoj i Međimurskoj županiji. Treba imati na umu da su u nekim mjestima brojke veće zbog fiktivnog prijavljivanja prebivališta. (00:22)

    Lanjska dobit poduzetnika nadmašila 2015. za 235%

    Prošla poslovna godina dosad je najprofitabilnija za hrvatske poduzetnike od početka gospodarske krize. Iz analize Fine, lani su ostvarili rekordnu konsolidiranu dobit od 24 milijarde kuna. To je rast od gotovo 235 posto naspream 2015. No za dobar rezultat možda je presudno što u podatke nisu ukalkulirani i rezultati tvrtki iz sustava Agrokora. Poslovni (sri, 23:51)

    Bez Tita nema ekstraprofita

    Duhaček: Zašto Hrvati ne zarađuju na Titovoj svjetskoj slavi?

    “Zašto domaći kapitalisti i promotori slobodnog tržišta zaziru od Tita, ne videći šumu od drveća. Pobogu, što bi bilo kapitalističkije nego jednog komunista pretvoriti u robu široke potrošnje. Kooptirati marketinški pametno osmišljenu legendu o Titu u hrvatsku turističku ponudu bio bi kapitalizam par excellence, bio bi to također mnogo veći trijumf nad Titom i njegovim naslijeđem, nego skidanje njegova imena s trgova i lamentiranje nad odavno propalim sistemom kojim je nekoć upravljao”, piše Gordan Duhaček o tome zašto je Tito propuštena poslovna prilika. Index (sri, 23:21)

    U krevetu s Trumpom

    Trumpova bivša kuća iznajmljuje se preko Airbnb-a

    Kuća u njujorškoj četvrti Queens u kojoj je odrastao Donald Trump može se iznajmiti preko Airbnb-a, kompletno namještena i ispunjena slikama američkog predsjednika. Noćenje u kući košta 777 dolara, a kuća je dovoljno velika za 20 ljudi. Kuća je prodana na aukciji dva mjeseca nakon američkih predsjedničkih izbora za 2,14 milijuna dolara. BBC (sri, 22:56)


    Engineering – Computer Science – Engineering – Computer Science

    #california #state #university #fullerton #mba


    #

    Commencement 2017

    New Application Process for Cal States

    Beginning June 1, the current portal, CSU Mentor, will be replaced by Cal State Apply, a streamlined, user-friendly application for all CSU incoming freshman, transfer, graduate and international students. The improved process allows students to apply to multiple CSU campuses with just one easy application.

    Student Clubs

    Want to join a club? There are plenty of ECS Student Chapters to choose from!

    ECS News

    President Mildred García held an open forum with faculty and staff from the College of Engineering and Computer Science (ECS). During the forum, attendees were encouraged to engage in open dialogue regarding CSU-wide initiatives, and CSUF goals and programs.

    ECS alumnus Bill Ruh ’83, ’84 was recently honored at Cal State Fullerton’s Vision Visionaries dinner and celebration. Having received the Distinguished Alumnus Award. Ruh is an example of the type of success alumni can work towards while building their careers. While at CSUF he earned a B.S. and M.S. in computer science.

    Cal State Fullerton’s online master’s degree in engineering offerings earned the No. 26 ranking on the list of “2017 Best Online Graduate Engineering Programs” evaluated by U.S. News. The College of Engineering and Computer Science program is the top-ranked program in the California State University system and third in California, behind UCLA and USC. – See more at: http://news.fullerton.edu/2017wi/USNews-online-rankings.aspx#sthash.g4s17S1i.dpuf


    Programs – UC Davis Graduate School of Management

    #full-time, #mba, #msba, #part-time, #mpac, #executive #education, #uc #davis, #sacramento, #bay #area, #san #francisco


    #

    Programs

    In today’s competitive business environment, the template for success is different for everyone, and it’s different every day. It’s critical for decision makers to stay on the cutting-edge of management best practices to keep their leadership skills sharp and to gain sustainable advantages for their organizations.You’ll work closely with our world-renowned faculty, who will get to know you by name. In our tight-knit community, you’ll be challenged to grow with talented, highly motivated peers from around the world through team projects, clubs and many activities.

    Fully immerse yourself in the UC Davis MBA experience by spending two years focusing on your academic and professional goals.

    You’ll work closely with our world-renowned faculty, who will get to know you by name. In our tight-knit community, you’ll be challenged to grow with talented, highly motivated peers from around the world through team projects, clubs and many activities.

    We offer one of the nation’s premier graduate management education degree programs in the San Francisco Bay Area.

    Every aspect of the UC Davis Bay Area MBA program, from scheduling, logistics and support services, is specifically designed to meet the needs of working managers and professionals.

    An integral part of the capital region’s thriving business community for nearly two decades, our Sacramento MBA program offers a rigorous, nationally ranked management education that gives you the knowledge and skills to become a more effective manager and a confident leader.

    The Sacramento MBA takes place on a convenient weekend schedule with classes on Fridays and Saturdays. Offering great work/life balance, many students take classes every other weekend in Sacramento at the traditional three-year rate. There is a fast-track two-year option. To accelerate, students attend class on the opposing weekend.

    The demand for trained accountants is on the rise. To meet this growing need, our nine-month Master of Professional Accountancy (MPAc) program prepares you with a definitive edge to thrive in the dynamic, increasingly competitive global accounting industry.

    As a UC Davis MPAc student, you’ll join a diverse community dedicated to the highest professional accounting standards—and to making a positive impact on the world.

    Big data has forever altered the way businesses operate, from marketing and supply chains, to competitive strategy and human resources. A tidal wave of data continues to wash over companies. The challenge is how to harness that flood to make informed decisions that propel firms forward.

    Our Master of Science in Business Analytics program is designed to prepare you to thrive as an innovative leader in this data-driven era.


    National Poison Data System

    #history #of #data #centers


    #

    National Poison Data System

    NPDS has more than 62 million exposure case records and product-specific data about more than 420,000 products going back to 1983. NPDS can track poison exposure outbreaks across the country and in many situations can initially detect them by automatically applying analysis algorithms or by using a methodological manual search paradigm in analyzing exposure call volume and clinical effect trends. These methods can be utilized for all common poisonings and toxic environmental concerns, as well as a wide variety of non-common occurrences ranging from food or drug contamination to biological warfare agents. The intent of these ongoing toxicosurveillance activities is to isolate and focus on events of public health significance.

    Case data are continually uploaded to NPDS from all AAPCC member poison centers currently every eight minutes, providing a near real-time snapshot of poisoning conditions nationwide.

    All AAPCC member poison centers use electronic health record collection systems with mandatory common data elements and reporting requirements. During normal AAPCC member poison center operations, data are entered by staff in real-time as cases are being managed.

    Poison Data

    Press Releases

    Find Your Local Poison Center

    Poison centers offer free, private, confidential medical advice 24 hours a day, 7 days a week. You can reach your local poison center by calling 1-800-222-1222.


    Vacanze Nel Salento Appartamenti, appartamenti in affitto x vacanze estive.

    #Appartamenti #in #affitto #x #vacanze #estive


    Facebook

    Vacanze Nel Salento Appartamenti

    LECCE: a 300m da Viale Grassi, VENDESI appartamenti uso – ufficio e locali commerciali,sit i in nuovo complesso residenziale in fase di ultimazione.

    X INFO CONTATTATECI

    Vacanze Nel Salento Appartamenti

    PASQUA E PASQUETTA IN VILLA, A 4KM DA GALLIPOLI.

    Affittasi per il weekend di Pasqua, splendida Villa 6posti letto a 4km da GALLIPOLI.

    IL SALENTO VI ASPETTA. X INFO CONTATTATECI

    Vacanze Nel Salento Appartamenti

    Meraviglie del nostro SALENTO: "Torre san GIOVAnni" – marina di Ugento(LE)

    PRENOTATE LA VOSTRA VILLETTA, OTTIMI PREZZI PER GIUGNO E LUGLIO!!

    Vacanze Nel Salento Appartamenti

    LECCE – ZONA VIALE GRASSI

    VENDESI ATTICO DI RECENTE ULTIMAZIONE CON BOX AUTO DI PERTINENZA, FACENTE PARTE DI UN AMPIO COMPLESSO RESIDENZIALE CON GALLERIA COMMERCIALE. METRI QUADRI COPERTI: 68 METRI QUADRI SCOPERTI: 70


    Avis de tempête sur la Belgique: voici les recommandations du SPF Intérieur – La Libre, job design interieur.

    #Job #design #interieur


    Avis de tempête sur la Belgique : voici les recommandations du SPF Intérieur

    Belga Publié le mardi 12 septembre 2017 à 13h55 – Mis à jour le mardi 12 septembre 2017 à 15h59

    Le SPF Intérieur a décidé d’activer dès 22h00 ce mardi soir le numéro d’urgence 1722, en raison des intempéries et des fortes ravales de vent attendues la nuit prochaine, annonce-t-il mardi après-midi. Il est dès lors demandé de former ce numéro si l’on a besoin des pompiers en cas d’inondations et/ou de dégâts liés à la tempête et de n’appeler le 112 qu’en cas de situation de danger vital. Selon les prévisions de l’Institut royal météorologique (IRM), un vent de secteur sud-ouest se renforcera mardi soir pour devenir fort dans les terres, et très fort voire tempétueux à la côte. Il faudra également s’attendre à des rafales proches de 80 km/h dans l’intérieur, et même jusqu’à 100 km/h à la mer.

    Si une personne appelle le 112 pour une intervention non urgente des pompiers, l’opérateur ne l’aidera pas davantage et la renverra vers le 1722.

    "Si votre zone de secours pompiers dispose d’un site internet ou d’un numéro de téléphone direct, vous pouvez également leur adresser directement vos demandes d’interventions pour une inondation et/ou des dégâts liés à la tempête", précise le SPF Intérieur, qui demande aux gens de faire preuve de patience en cas d’appel au 1722.

    Pendant une intempérie, le nombre d’appels est en effet important et augmente très rapidement. Les pompiers font leur possible pour intervenir aussi vite que possible mais ils ne peuvent pas être partout à la fois. Donc, si vous avez déjà appelé le 1722, ne rappelez plus pour demander quand les pompiers arriveront, insiste le SPF Intérieur.

    Le numéro 1722 sera automatiquement désactivé une fois les intempéries terminées.


    Location appartement – louer un bien immobilier, recherche locataire appartement.

    #Recherche #locataire #appartement


    Location d’un appartement : des milliers d’annonces

    Louer un appartement avec avendrealouer.fr

    Vous êtes en recherche d’une location ? Venez découvrir sur notre site les offres qui pourraient répondre à votre demande pour louer un appartement. Vous avez trouvé une annonce qui vous intéresse, n’hésitez pas à suivre nos conseils sur les démarches à suivre, le quartier, l’environnement, l’immeuble. Pour trouver la location idéale en appartement, avendrealouer.fr met à jour quotidiennement ses annonces pour vous proposer les dernières offres de locations sur le marché immobilier en France.

    Avendrealouer.fr : Le site de locations immobilières

    Trouvez dès maintenant, sur notre site les annonces de nombreuses agences spécialisées dans l’immobilier. Vous avez besoin des services d’un professionnel pour vous aider dans la recherche d’un appartement en location, faites appel à une agence immobilière partenaire. Précisez-lui vos souhaits et conditions qui répondront au logement que vous recherchez.

    Une ville en particulier ? Découvrez nos locations d’appartements en France

    Où louer votre appartement en France et surtout dans quelle ville ? Vous trouverez sans doute dans les locations proposées des biens adaptés à votre type de recherche. Vous avez besoin d’une chambre en plus, vous recherchez un appartement en duplex de standing ou plutôt appartement ancien en étage mais avec ascenseur ? Du studio à l’appartement de plusieurs pièces, personnalisez votre recherche par critères en fonction de la surface en m², du nombre de chambres, de la présence d’un parking ou d’une cave. D’autres critères sont également disponibles tels que l’ancienneté du bien les commodités, meublé ou non.

    Plus d’informations sur la location d’un appartement

    Selon la ville où l’on souhaite louer un appartement, l’offre d’annonces immobilières peut-être très différente et l’accès à la location plus ou moins facile. Retrouvez ci-dessous nos listes de résultats de locations d’appartements sur les 60 plus grandes communes de France. Profitez également des informations complémentaires bonnes à savoir quand on est locataire.

    Location d’un appartement par villes de France

    Découvrez notre sélection d’annonces immobilières pour louer un appartement parmi les 60 plus grandes villes de France.

    Comment louer un appartement ?

    Trouver un appartement en location n’est pas toujours facile. Quel quartier ? Quel loyer ? Comment convaincre le propriétaire de vous donner les clés de son précieux investissement ? Voici quelques conseils et méthodes de recherche de location pour mettre toutes les chances de votre côté.

    Comment constituer un dossier de location ?

    Quelles pièces dans votre dossier de location ? La constitution du dossier de location pour un appartement est parfois un véritable casse-tête. Quels sont les documents à fournir ? Ceux qu’un propriétaire n’a pas le droit de demander à ses locataires ? Suivez nos explications pour bien préparer votre dossier de location.

    Comment aider ses enfants pour louer un appartement ?

    Comment donner un coup de main à un enfant en âge de faire ses études pour qui, bien souvent, chaque euro compte ? Si vous possédez un patrimoine immobilier tel qu’un appartement, vous pourriez envisager de le lui confier temporairement ou de le lui louer à un tarif préférentiel. Zoom sur ces deux cas de figure.

    Vos droits en tant que locataire d’un appartement – les ressources officielles

    La loi encadre le droit des locataires. Si vous avez le projet de louer un appartement et que vous recherchez de l’information légale sur la location comme ce que doit contenir un dossier de location, la caution, les frais d’agence immobilière, n’hésitez pas à consulter les liens ci-dessous :


    Peter Altmaier – Angela Merkels bester Mann für die Jamaika-Koalition – Politik Inland, bester kredit.

    #Bester #kredit


    Mr. Boombastic | Warum Peter Altmaier Merkels

    Mann für die Jamaika-Verhandlung ist

    Was nach Sonne, Strand und Ferien klingt, werden die kniffligsten Koalitions-Verhandlungen seit 1949: CDU, CSU, FDP und Grüne. Schwarz. Gelb. Grün. Die Farben Jamaikas.

    In Berlin steht keiner so sehr für das bunte Bündnis wie Kanzleramtschef Peter Altmaier (59, CDU). Er ist: MR. BOOMBASTIC! Nach BILD-Informationen sollen bei ihm die Fäden der Koalitionsverhandlungen zusammenlaufen. Das hat Gründe:

    Mehr zu den Koalitionsverhandlungen

    Nach den Wahlen JA-maika oder NEIN-maika?

    Inhaltlich sind Union, FDP und Grüne weit auseinander. Wirkliches Interesse an einer gemeinsamen Regierung hat auch keiner.

    Zu Kohl-Zeiten galt Altmaier in der CDU als „junger Wilder“, gründete Mitte 1995 mit heutigen CDU- und Grünen-Promis die erste schwarz-grüne Gesprächsrunde („Pizza-Connection“). Damals mit dabei – und heute im Verhandlungsteam der Grünen: die Spitzenkandidaten Cem Özdemir und Katrin Göring-Eckardt.

    ► In der Merkel-Koalition mit der FDP (2009–2013) war Altmaier erst wichtiger Strippenzieher in der Bundestags-Fraktion, ab 2012 Umweltminister. Anders als Merkel machen die Liberalen ihm nicht den Vorwurf, die FDP erdrückt zu haben. Altmaiers Verhältnis zu FDP-Chef Christian Lindner gilt als kollegial-professionell.

    Auch Interessant

    Die Knackpunkte der Gespräche

    Post von Wagner Liebes Jamaika,

    ein bisschen Völkerkunde in diesem Brief muss sein. Jamaika geht es schlecht.

    ► In diesem Jahr machte Merkel Altmaier zum Wahlkampf-Koordinator, seit 2015 schon ließ sie ihn die wichtigen Verhandlungen mit dem Bundesrat und der CSU führen – vor allem in Flüchtlingsfragen.

    Der genaue Fahrplan für die Sondierungen mit SPD, Grünen und FDP steht noch nicht, ein paar Knackpunkte gilt es zu lösen. Vielleicht die größte Herausforderung wird sein, CSU-Chef Seehofer beim Thema Obergrenze für Flüchtlinge einzufangen. Seehofer steht nach dem katastrophalen CSU-Ergebnis bei der Bundestagswahl allerdings unter massivem Druck. Ist Altmaier hier erfolgreich, wird er sicherlich belohnt werden – zum Beispiel mit dem Wirtschaftsministerium. (nik/rs./km)


    Home Loan Repayments – Mortgage Protection Insurance, ANZ, mortgage protection insurance australia.

    #Mortgage #protection #insurance #australia


    ANZ Mortgage Protection

    put your home at risk.

    even when you can’t work.

    • A payment of up to $1,000,000 to pay off your home loan if you die — if there’s any left over, it will be paid to your family to use however they like
  • Up to $7,500 each month to cover your repayments if you’re unable to work due to serious illness or injury, for up to 30 months 1,2

  • Up to $7,500 each month if you become involuntarily unemployed, for up to 90 days 2

    Help to look after your home and family, even when you’re not around.

    Your home loan is probably the biggest debt you’ll ever have. But if you were unable to work due to illness or injury — or if you passed away — how would your family cope with the repayments?

    1, 2, 3 View conditions

    What’s covered? Show more

    Flexible cover to suit your needs.

    ANZ Mortgage Protection lets you choose your level of protection — from cover that pays off your ANZ Home Loan if you die, to cover that makes your repayments if you become unemployed, or become unable to work due to sickness or injury.

    ANZ Insurance cover Tables | ANZ

    This is only a summary of our cover and exclusions. See the ANZ Mortgage Protection Product Disclosure Statement and Policy Document for more detail on our benefits, premiums and when they will be paid.

    1, 2, 4 View conditions

    What it costs Show more

    Personalised cover for your home loan.

    Affordable protection for your home loan

    ANZ Mortgage Protection gives you a choice of cover, so you can tailor your protection to your needs and budget.

    Your policy will protect your home loan repayments for five years at a time. You can add your five-year premium to your loan when you set it up, or pay your premiums monthly from your bank account or credit card.

    Your ANZ Mortgage Protection premium depends on things like your age, the size of your home loan, repayment ammount, the type of cover you choose, and whether it’s a single or joint policy. Ask us for a quote when you take out your home loan.

    Here are some example of what other clients have paid.

    Please note loan and repayment amounts are indicative only. visit one of our branches or call us on 13 16 14 for an ANZ Mortgage Protection quote for your ANZ home loan.

    Additional features

    Help protect your family and your home

    Mortgage protection insurance australia

    A helping hand at a difficult time.

    ANZ Mortgage Protection pays the full insured value of your ANZ Home Loan if you die, not just the outstanding balance 3 . Once your mortgage has been paid off, any money left over goes to your estate, as additional financial support for your family.

    Protect the place and people you care about.

    All in one place

    Mortgage protection insurance australia

    Finance and protect your home with ANZ.

    At ANZ, we can help you with your home loan, Mortgage Protection Insurance and Home and Contents Insurance – so you’ll enjoy the convenience and, simplicity of having everything in one place.

    Bundle mortgage protection with your home loan for peace of mind. 5

    Are you covered?

    It’s worth taking out, without it you’ve got a problem. Things do go wrong. They went wrong for me.

    The bank manager suggested that I protect my home loan repayment. I’m thankful we did get it. It would have been a different story today if we didn’t, it would have been massive stress on the family.

    – Peter ANZ Customer

    How to apply or find out more

    Call 13 16 14

    Talk to a specialist in our call center: Call 13 16 14 8am-8pm (Sydney time), Monday to Friday.

    At a branch

    Drop in to an ANZ branch.

    You may also be interested in.

    Grow by ANZ app

    ANZ Life Insurance

    Making a claim Show more

    Not sure? Learn more about insurance Show more

    Downloads Show more

    Product Disclosure Statement

    • Product Disclosure Statement and Policy (PDF, 227kb)
  • Making a complaint Show more

    As a valued customer we want to hear from you if any of our products and services have not met your expectations.

    If you would like to compliment one of our staff or make a suggestion on how we can improve, we want to know. If we made a mistake, or our service does not meet your expectations, we also want to know.

    Step 1: How to make a complaint, compliment or provide feedback

    Our specialists will work closely with you to address your concerns quickly and amicably. We aim to resolve complaints within 15 business days. In cases where your complaint will take longer to resolve, we will update you progressively.

    1300 552 253 Weekdays from 8:30am to 6:00pm (AEST)

    ANZ Insurance Centre

    Parramatta NSW 2124

    Step 2: Further help options

    If you are not satisfied with the outcome of your complaint, you can contact the below service. Please note that before they can investigate your complaint, they generally require you to have first provided us with the opportunity to address the complaint.

    Financial Ombudsman Service Ltd for complaints that do not relate to superannuation

    Financial Ombudsman Service Ltd

    Melbourne VIC 3001

    +61 3 9613 7366 (international callers)

    Eligibility Show more

    You can apply for ANZ Mortgage Protection if you:

    • Have an ANZ home loan of $1,000,000 or less
    • Are aged between 18 and 59
    • Are an Australian or New Zealand citizen or holder of an Australian Permanent Residency Visa
    • You currently reside in Australia
    • Have no more than $1,000,000 in life benefits across all mortgage protection policies that you hold with ANZ.

    Important information Show more

    1 If you receive a medical consultation for any illness or injury in the twelve months before you purchase the policy, and that illness or injury leads to a claim after the policy commences, you will not be covered.

    2 There is no cover available for the Disability Benefit or Involuntary Unemployment Benefit if you are employed in a permanent part time, casual, contract or temporary capacity for less than 20 hours per week or you are self-employed for less than 20 hours per week.

    3 Up to a maximum home loan value of $1,000,000.

    4 Only one discount is available for each policy.

    5 It is not a condition of your loan that you purchase this product.

    *We do not cover loss or damage caused by a bushfire that occurs within 48 hours of the start of your policy.

    Qualifying periods and waiting periods apply to some benefits and certain conditions, limitations and exclusions apply as set out in the PDS. Minimum employment conditions must be satisfied to be eligible to claim the Involuntary Unemployment and Disability benefit. To apply for ANZ Mortgage Protection, you must be aged 18 to 59, be an Australian or New Zealand citizen or a holder of an Australian Permanent Residency Visa to apply. You must also currently reside in and receive this PDS in Australia. ANZ Mortgage Protection ends on your 65th birthday.

    ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). ANZ Mortgage Protection is jointly issued by OnePath Life Limited (ABN 33 009 657 176) (OnePath Life) and QBE. ANZ Life Insurance is issued by OnePath Life. Although Australia and New Zealand Banking Group (ANZ) ABN 11 005 357 522 distributes these products, ANZ does not guarantee the product issuers or the products.

    This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

    ANZ recommends that you read the ANZ Financial Services Guide and the ANZ Mortgage Protection, ANZ Home Insurance or ANZ Life Insurance Product Disclosure Statement and Policy Document (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, these products.


    Rechtsanwalt in Frankfurt am Main, Kanzlei Sachse, Fachanwalt, rechtsanwalt wiesbaden.

    #Rechtsanwalt #wiesbaden


    Kanzlei Sachse | Rechtsanwälte Fachanwälte

    Rechtsanwalt wiesbaden

    Wir lösen Ihr Rechtsproblem!

    Sie sind auf der Suche nach einem schlagkräftigen und kompetenten Rechtsanwalt / Fachanwalt in Frankfurt? Wir sind eine etablierte Kanzlei mit hohem Qualitätsanspruch und jahrzehntelanger Erfahrung, tätig in nahezu allen Rechtsgebieten. Wir bieten die Erstberatung unseren nicht rechtsschutzversicherten Mandanten stets zum günstigen Pauschalhonorar von 99,95 Euro inklusive Umsatzsteuer an, egal um was es geht.

    Unsere 12 Rechtsanwälte und Fachanwälte sind erfahrene Praktiker und beraten Sie in ihren Spezialgebieten stets mit besonderer Expertise. Wir verhandeln für Sie mit anwaltlichem Geschick, um alle Spielräume zu nutzen und Konflikte schnell und kostengünstig zu lösen. Im Falle eines Rechtsstreits kämpfen wir energisch und mit Leidenschaft für Ihr Recht, stets auf höchstem Niveau und mit großer Schlagkraft. Wir sind Ihr:

    Kündigung, Abmahnung, Gehaltsstreitigkeiten

    Wirtschaftsstrafrecht, Betäubungsmittel, Jugendstrafrecht

    Mietrecht, Wohnungseigentumsrecht, Nachbarrecht, Immobilienkauf

    Verkehrsunfallrecht, Ordnungswidrigkeiten, Verkehrsstrafrecht, Autokauf, Fahrelaubnisrecht

    Ehescheidung, Unterhalt, Sorgerecht, Ehevertrag

    Erbauseinandersetzungen, Testamentsgestaltung, Pflichtteilsansprüche

    Arbeitslosigkeit, Schwerbehinderung, Krankenkasse, Rente,

    Beamtenrecht, Baurecht, Ausländerrecht Asylrecht, Verwaltungssachen

    Darlehens Kreditrecht, Kapitalanlagen, Kapitalanlagebetrug

    Sach- und Haftpflichtversicherungen, Rechtsschutzversicherung, Unfallversicherung

    Arzthaftungsansprüche, Schmerzengeld, Honorarstreitigkeiten

    Reisepreisminderung, Reiserücktritt, Fluggastrechte

    Reisepreisminderung, Reiserücktritt, Fluggastrechte

    Beitreibung von Forderungen aller Art, bundesweit

    Hilfe bei Vertragsproblemen aller Art, Kaufvertrag, Werkvertrag, Dienstleistungsverträge

    Im Mittelpunkt unserer täglichen Arbeit als Rechtsanwalt in Frankfurt steht die Durchsetzung der Rechte unserer Mandanten. Wir sind uns darüber bewusst, dass eine optimale Rechtsvertretung stets nur im Rahmen eines absoluten Vertrauensverhältnisses möglich ist. Vertrauen schaffen wir durch unbedingte Transparenz, Qualität und Zuverlässigkeit. Transparenz stellen unsere spezialisierten Anwälte bereits im Rahmen der Erstberatung her, die wir nicht rechtsschutzversicherten Mandanten für kalkulierbare und faire 99,95 Euro (inkl. Ust) anbieten. Bereits im ersten Gespräch wird Ihr auf das Rechtsgebiet spezialisierter Rechtsanwalt in Frankfurt die rechtliche Situation nachvollziehbar erklären, die bestehenden praktikablen Lösungsmöglichkeiten aber auch die dem Fall immanenten Risiken aufzeigen und Sie auch über die entstehenden und möglichen Kosten informieren. Nur auf dieser Basis können Sie sich selbstbestimmt entscheiden, welchen Weg Sie mit uns in Ihrer Angelegenheit beschreiten wollen.

    Die Qualität der Arbeit Ihres Rechtsanwalts in Frankfurt resultiert dabei aus einem hohen Spezialisierungsgrad und regelmäßiger Schulung unserer Anwälte und Mitarbeiter, zum andern verfügen alle Rechtsanwälte der Kanzlei über täglich gelebte praktische Erfahrung auf ihren Rechtsgebieten. Zuletzt verfügt die Kanzlei über eine hochmoderne Infrastruktur und nutzt alle technischen Möglichkeiten zum Wohne unserer Mandanten aus. Posteingang erhalten Sie dank E-Mailverkehr bereits am selben Tag des Zugangs, Schriftsätze stellen wir sekundenschnell an Gerichte und Behörden elektronisch und rechtssicher zu. So ist stets sichergestellt, dass unsere Mandanten durch unsere Anwälte rundum und speziell optimal vertreten und beraten werden. Die zügige Bearbeitung Ihrer Rechtsangelegenheit ist für unsere Rechtsanwälte am Standort Frankfurt am Main dabei selbstverständlich. Wir halten Zusagen halten wir ein und versprechen Ihnen nichts, was wir nicht halten können.

    Wir sind für Sie flächendeckend vertreten. Unsere Anwaltskanzlei verfügt neben dem Hauptsitz in Langen (Hessen) auch noch überweitere Kanzleistandorte in Darmstadt, Langen und Offenbach. Als Rechtsanwälte in Darmstadt , Langen oder Offenbach beraten wir Sie gerne auch dort vor Ort und vertreten Sie vor den Gerichten der jeweiligen Region.

    Unser Rechtsanwaltskanzleistandort in Frankfurt am Main – So finden Sie uns!

    Sie finden unsere Kanzlei in der Mainmetropole Frankfurt in Sachsenhausen/Niederrad, auf der Kennedyallee gegenüber der “Villa Kennedy”. Unsere auf Ihr Rechtsproblem spezialisierten Anwälte und Anwältinnen beraten Sie in unseren großzügigen, komfortabel gestalteten Konferenzräumen.

    Wie können wir Ihnen als Rechtsanwalt in Frankfurt helfen? Setzen Sie sich mit uns in Verbindung, vereinbaren Sie ein Erstgespräch und schildern Sie uns Ihr Rechtsproblem! Mit dem Kontaktformular unserer Website können Sie sich direkt an unsere Kanzlei wenden, Benötigen Sie uns kurzfristig, senden Sie uns eventuelle Unterlagen sowie Ihre Vollmacht gleich mit dem Kontaktformular zu. Die Vollmacht können Sie als PDF-Datei downloaden. Darüber hinaus informiert Sie die Website über alle weiteren Möglichkeiten, Ihren Rechtsanwalt in Frankfurt in der Kanzlei Sachse über Telefon, Fax und E-Mail und per Post zu erreichen.

    Unsere Kanzleiräume in Mainmetropole Frankfurt am Main befinden sich auf der Kennedyallee im Stadtteil Sachsenhausen / Niederrad direkt gegenüber der “Villa Kennedy”.

    Hier beraten unsere spezialisierten Rechtsanwälte unsere Mandanten in unseren großzügigen Konferenzräumen.

    Anfahrt mit dem Pkw:

    Von der BAB 3 kommend erreichen Sie uns über die Abfahrt Stadion in Richtung Innenstadt.

    Anfahrt mit öffentlichen Verkehrsmitteln:

    Mit öffentlichen Verkehrsmitteln erreichen Sie uns über die Haltestelle Stresemannstraße / Kennedyalle

    Kostenlose Besucherparkplätze sind direkt neben dem Haus in in der Vogelweldstraße vorhanden.


    Intercar24 ®, Deutsche Neuwagen günstig kaufen mit Top-Rabatt, günstig auto kaufen.

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    Intercar24 ist der am besten bewertete Fahrzeugvermittler seit 1997. Mit unseren inzwischen 20 Jahren Erfahrung sind wir die erfolgreiche Speerspitze der deutschen Neuwagenvermittler.

    Unsere Kunden sagen: EXCELLENT

    Bestes Angebot. Alles perfekt gelaufen. Keine Lockangebote. Vom Anfang bis zur Auslieferung in allen Belangen seriös.

    Sehr qualifizierte Beratung und sehr schnelle Bearbeitung. Sehr günstige Konditionen. Intercar24 werde ich jederzeit weiter empfehlen.

    Wir waren mit dem Service sehr zufrieden und werden Intercar24 weiter empfehlen. Wir haben bei unserem BMW-Händlern im Umkreis kein so gutes Top-Angebot bekommen.

    Es lief alles so wie beworben. Einmalige Rabatte und absolut professionelle Vermittlung durch Intercar24, sowie Abwicklung durch das Autohaus und das Auslieferungsteam in der Autostadt Wolfsburg.

    Günstig auto kaufen

    Sondermodell BMW M3 CS lockt mit 460 PS

    Seat Leon Cupra R: Der bislang heißeste Spanier

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    Skoda-Sondermodelle „Clever“ mit bis zu 4030 Euro Preisvorteil

    Das Intercar24 Automagazin hält auf dem laufenden

    Mit dem Intercar24 Automagazin sind Sie immer auf dem laufenden, wenn es um aktuellen Modelle, Fahrberichte und Neuvorstellungen diverser Hersteller geht.

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    Intercar24

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    Wir sind bei Volkswagen mit Abstand der günstigste Anbieter , wenn es um die Vermittlung von privaten Neuwagen ohne weitere Bedingungen wie die Inzahlungname geht.

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    20 Jahre Erfahrung

    Seit 1996 vermitteln wir in Deutschland Neuwagen auf Bestellung an Endverbraucher über autorisieter Vertragshändler-Gruppen mit Top-Rabatt. Kompetent, professionell, seriös und zuverlässig.

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    Oficinas de la Tesorería del DF – Pago de tenencia, predial y otros impuestos, finanzas df tenencia.

    #Finanzas #df #tenencia


    Oficinas de la Tesorería del DF – Pago de tenencia, predial y otros impuestos

    Tema: Oficinas de la Tesorería del DF – pago de tenencia, predial y otros impuestos

    Finanzas df tenencia

    En las Oficinas de Administración Tributaria “Tesorería” en la Ciudad de México atienden el cobro de impuestos locales, su horario de atención es de las 9:00 a las 21:00 horas.

    Información sobre el pago de la TENENCIA 2013

    El pago de la Tenencia se puede realizar por línea.

    Plan de pago de la Tenencia a meses sin interés:

    Para localizar las oficinas de la Administración Tributaría “Tesorería” y hacer el pago de la Tenencia consultar:

    Preguntas frecuentes sobre el pago de la Tenencia:

    Más información acerca de los requisitos para el pago y aclaración del pago de la Tenencia:

    Conceptos que pueden pagarse con el formato universal de la Administración Tributaria “Tesorería”

    (se encuentra aquí el apartado para el pago de la Tenencia):

    Administraciones Tributarias y centros de servicio

    Otros sitios para realizar el pago de la tenencia vehicular:

    Palacio de Hierro

    Administraciones Tributarias: De 8:30 a 15:00 hrs., de lunes a viernes.

    Centros de Servicios de la Tesorería: De 9:00 a 21:00 hrs. de lunes a domingo y días festivos, los 365 días del año.

    Centros de Servicio @ Digital: De 9:00 a 21:00 hrs. de lunes a domingo y días festivos, los 365 días del año.

    Justina (línea de la Secretaría de Finanzas del D.F.): 5588 3388

    Oficinas de la Tesorería del Distrito Federal:

    Horarios de atención: de lunes a domingo de 9:00 a 21:00 horas.

    Oficinas de la Tesorería del D.F.

    Centro de Servicio Tesorería Olivar

    Av. de las Torres No. 446 , Col. San José del Olivar

    Centro de Servicios @ Digital “Plaza Inn”

    Av. Insurgentes Sur No. 1971

    Col. Guadalupe Inn

    Centro de Servicios @ Digital “La Era”

    Andador 29 de Octubre y Alcanfores

    Col. Lomas de la Era

    Centro Comercial Tecnoparque Av. De la Granjas

    Tel. 5318-5320, 5318-5261, 5318-3951

    Av. Cuitláhuac No. 372

    Col. Sector Naval

    Administración Tributaria San Borja

    Av. San Borja No. 1215 , esq. con Av. Universidad

    Administración Tributaria San Antonio

    Av. San Antonio No. 12

    Centro de Servicio Tesorería Mixcoac

    Av. Revolución No. 780

    Centro de Servicios @ Digital “Parque Delta”

    Av. Cuauhtémoc No. 462

    Av. San Jerónimo No. 45

    Col. Cd. Universitaria

    Rinconada Colonial s/n

    Col. Pedregal de Carrasco

    Canal de Miramontes No. 1785

    Col. Country Club

    Centro de Servicio Tesorería. Miguel A. Quevedo

    Miguel Ángel. de Quevedo No. 443

    Col. Romero de Terreros

    Centro de Servicio Tesorería Gran Sur

    Periférico Sur No. 5550

    Col. Pedregal de Carrasco

    Local 2-B (Mega Comercial Mexicana)

    Centro de Servicios @ Digital “Tienda UNAM”

    AV Dalias No. S/N

    Col. Universidad Nacional Autónoma de México


    Instant Life Insurance Quotes – Term Life Insurance Quotes OnlineInstant Quote Life Insurance, online term insurance quote.

    #Online #term #insurance #quote


    Instant Life Insurance Quotes Made Easy

    At InstantQuoteLifeInsurance.com, our goal is to provide you with instant life insurance quotes from the best term life insurance companies. With our easy-to-use life insurance quote engine, you can quickly find affordable term life insurance coverage. Now you can shop online for life insurance without sales pressure. You can also browse our website to get answers to some of the most common questions and concerns regarding life insurance.

    You can learn about and obtain instant quotes for term, return of premium term and universal life insurance without speaking to an agent. Prefer to speak to an agent? You can reach us at 866-691-0100.

    Get Instant Term Quotes without Compromising Your Privacy

    You can anonymously access our life insurance quote engine and instantly get term life insurance quotes without entering personal information. We believe you are searching for insurance quotes online because you want to make this important decision in the comfort of your own home without any sales pressure. If you are leaving your name, phone numbers and email address on a website in order to get instant quotes, it is inevitable that you will be receiving one or several sales calls. At InstantQuoteLifeInsurance.com, your privacy is important to us. That is why we don’t require your contact information in order to get quotes. However, if you do want a live person to speak to, our licensed agents are available to answer your questions.

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    Something quite interesting about today’s life insurance market is that very few people pay more premium for being affected by asthma. In the grand scheme of things, only the worst cases of asthma are rated sub-standard by most life insurance companies. Yes, there is affordable life insurance with asthma. When someone is shopping for life [ ]

    What is the Medical Information Bureau?

    September 26, 2017

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    6 Life Insurance Tips for Millennials

    September 14, 2017

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    Although we grow into adults year by year, there can still be a shock to our systems when we find ourselves out of school and out of our parents home. Regardless of how prepared we may believe we are, complicated issues are thrown at us every day and in every manner. Yes, there is the [ ]

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    Florida PIP Insurance – Compare Cheap Prices, pip car insurance.

    #Pip #car #insurance


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    Pip car insurance

    Driving is a privilege, as well as a huge responsibility, and your responsibility grows even larger when you have passengers in your vehicle. Not only are you responsible for your own safety, but you will be responsible for the safety of everyone in your vehicle. This is a good reason to have more than the bare minimum amount of insurance that your state requires, and to add more coverage, including personal injury protection auto insurance. This is coverage that is going to benefit you, as well your passengers. In some states, including Florida, PIP insurance is part of the mandatory insurance package that all drivers must have.

    Understanding PIP Insurance Pip car insurance

    Also referred to as Medical Payment Insurance or Medpay, PIP insurance pays policy holders for any expenses from bodily injuries caused by an accident. It pays for medical and hospital expenses, as well as childcare expenses. This type of coverage will also pay for loss of services and even funeral expenses.

    One of the reasons why it is so important to have this coverage is that liability insurance does not cover policy holders or anyone on the policy if they have bodily injuries from an accident. The personal injury protection insurance will take care of the expenses of anyone who is named on the policy.

    What Are the PIP Insurance Requirements in Florida?

    Anyone who owns a vehicle in Florida is required to carry PIP insurance. The minimum amount of this coverage that drivers must carry is $10,000. In addition, vehicle owners are required to have $10,000 in property damage liability insurance (PDL). Insurance must be maintained as long as the vehicle is licensed and registered.

    What Does PIP Insurance Cover?

    If you live in Florida, you must have PIP insurance in order to be able to have your vehicle on the road legally. Florida PIP insurance, also known as Florida No Fault Insurance, will cover the following:

    • Any members of your household and anyone else who is named on your policy who are passengers in your vehicle are covered.
    • Some passengers who do not have PIP insurance of their own may be covered while they are in your vehicle.
    • Children of parents who have PIP insurance and who are riding in school buses have this coverage if there is an accident.
    • Policyholders have coverage when they are riding bicycles or are pedestrians and are hit by a vehicle.
    • Policyholders are protected if they are passengers in another vehicle and there is an accident.

    Your PIP insurance will cover you up to the limits of your policy. If passengers or other drivers of your vehicle have their own personal injury protection insurance, they will be covered under their own policies in the event of an accident.

    Your Expenses Are Covered

    One of the biggest expenses that can arise following an auto accident is medical treatment. This can be great, especially if hospitalization is necessary. Often, health insurance will pay for injuries, but having PIP insurance will give you that extra protection that will provide you with peace of mind. You can use either type of coverage to cover your medical expenses, depending on which one has the most benefits, but remember, the cost of health insurance does not usually increase following a claim, but the cost of auto insurance does.

    Another huge expense after an accident is lost wages. If there is an injury that requires you to be hospitalized or out of work for any amount of time, you are going to need coverage for the wages you will lose. PIP insurance will pay a certain amount of lost wages, so you don’t have to worry about not having an income while you are recovering. There are a number of PIP packages you can choose from, that offer a variety of benefits.

    You have enough expenses in life, and your insurance coverage does not have to be one of them. Yes, you are going to have to pay a monthly premium, but if you take the time to look around and find out which insurance companies are offering the best products and the best prices, you can be sure that you are not going to pay an arm and a leg for your PIP insurance coverage.

    You need to have PIP insurance in Florida, so you might as well make sure that you are going to get it for a good price. Start the process of getting your insurance quotes by simply entering your zip code.


    Doctoral Programs

    #harvard #university, #graduate #school #of #education, #education, #innovation, #teaching, #learning


    #

    Doctoral Programs

    Join a world-class community of scholars and education leaders exploring new frontiers in learning and teaching.

    Doctoral study at Harvard means full immersion in one of the world’s most dynamic and influential intellectual communities. At the Harvard Graduate School of Education, two distinct doctoral programs leverage the extraordinary interdisciplinary strengths of the entire University. The Doctor of Education Leadership (Ed.L.D.) prepares experienced educators for system-level leadership roles in school districts, nonprofit organizations, government agencies, and beyond; and the Doctor of Philosophy in Education (Ph.D.) empowers cutting-edge interdisciplinary research informed by the cognitive sciences, economics, medicine, the humanities, and more.

    Doctor of Education Leadership (Ed.L.D.)

    The Doctor of Education Leadership (Ed.L.D) is a three-year, practice-based program designed to produce system-level leaders in American pre-K-12 education. The Ed.L.D. curriculum mines the vast intellectual and professional resources of HGSE, the Harvard Business School. and the Harvard Kennedy School. and includes a 10-month residency in the third year.

    Doctor of Philosophy in Education (Ph.D.)

    The Doctor of Philosophy in Education (Ph.D.). offered jointly with the Graduate School of Arts and Sciences. provides unrestricted access to faculty and resources at all Harvard graduate and professional schools. This five-year Ph.D. is ideal for conducting groundbreaking interdisciplinary research that directly informs and impacts education practice and policy.

    Doctor of Education (Ed.D.)

    Please note: The Doctor of Education (Ed.D.) enrolled its final cohort in Fall 2013 but continues to equip graduates with the knowledge and skills to have a broad impact in the worlds of policy and practice.

    The Doctor of Education (Ed.D.) degree prepares education scholars and leaders for the 21st century. The program provides rigorous research training that equips graduates with the knowledge and skills to have broad impact in the worlds of policy and practice. Working with premier faculty in the field, students conduct cutting-edge research that addresses the most pressing problems in education. Graduates often assume roles as university faculty, senior-level educational leaders, policymakers, and researchers.

    Research-Based Doctoral Degrees at the Harvard Graduate School of Education

    In the fall of 2014, HGSE transitioned from conferring a Doctor of Education (Ed.D.) to conferring a Doctor of Philosophy (Ph.D.) in Education. The Ph.D. in Education, a joint degree offered in collaboration with Harvard’s Graduate School of Arts and Sciences, replaced the Ed.D. degree to better signal the research emphasis that has characterized the program since its inception in 1921, and to strengthen ties with academic departments across Harvard University.

    Graduates of the Ed.D. and Ph.D. in Education programs receive equally rigorous scholarly training. The requirements for both degrees include coursework that develops both knowledge that reflects the interdisciplinary nature of education and expertise in the range of quantitative and qualitative methods needed to conduct high-quality research. Guided by the goal of having a transformative impact on education research, policy, and practice, our graduates focus their independent research in various domains, including human development, learning and teaching, policy analysis and evaluation, institutions and society, and instructional practice. Graduates of both programs have and will assume roles as university faculty, researchers, senior-level education leaders, and policymakers.