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How To Rent Out Your Spare Bedroom! + Video

How To Rent Out Your Spare Bedroom, NEF6.COM


#How #To #Rent #Out #Your #Spare #Bedroom

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How To Rent Out Your Spare Bedroom


How To Rent Out Your Spare Bedroom, REMMONT.COM


How To Rent Out Your Spare Bedroom

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Prospecting “For Rent by Owner” listings on Zillow? @ Video

Prospecting


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Prospecting “For Rent by Owner” listings on Zillow


Prospecting


Prospecting “For Rent by Owner” listings on Zillow

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The Rentals – The Love I’m Searching For? + Video

The Rentals - The Love I'm Searching For, NEF6.COM


#The #Rentals #- #The #Love #I’m #Searching #For

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The Rentals – The Love I’m Searching For


The Rentals - The Love I'm Searching For, NEF6.COM


The Rentals – The Love I’m Searching For

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Dave Ramsey HATES Reverse Mortgages – But You Shouldn’t. – Video

#Dave #Ramsey #HATES #Reverse #Mortgages #- #But #You #Shouldn’t

Dave Ramsey HATES Reverse Mortgages - But You Shouldn't, REMMONT.COM


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Dave Ramsey HATES Reverse Mortgages – But You Shouldn’t


Dave Ramsey HATES Reverse Mortgages - But You Shouldn't, NEF2.COM

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Dave Ramsey HATES Reverse Mortgages – But You Shouldn’t


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Luci rosse sul Torre per soli uomini: blitz della Polizia fra profughi e over 60 – Cronaca – Messaggero Veneto, affittacamere vittorio veneto.

#Affittacamere #vittorio #veneto


Luci rosse sul Torre per soli uomini: blitz della Polizia fra profughi e over 60

Frequentazioni nella zona di via Cividale a Udine. Identificati friulani e stranieri ospiti della Cavarzerani

UDINE. Pattugliamenti anti-prostituzione etero ed omosessuale in città e nella prima periferia. La polizia in questi giorni ha setacciato il “quadrilatero a luci rosse”, compreso essenzialmente – ma non solo – tra via Ciconi, via Battistig, viale delle Ferriere e via Tullio.

Gli agenti, oltre a borgo stazione, hanno monitorato anche le zone verdi adiacenti al fiume Torre che, da tempo, sono utilizzate come luogo di ritrovo da chi è in cerca di incontri a sfondo sessuale e omosessuale.

Fermati e controllati nelle vicinanze anche sei uomini residenti in Friuli, tutti over sessanta. Recentemente la polizia aveva ricevuto alcune segnalazioni relative a un ricorrente viavai nella zona del greto alla quale si accede percorrendo una stradina che parte da via Cividale. Durante le verifiche di venerdì, comunque, non è emerso nulla di anomalo.

Ciò è stato possibile grazie all’utilizzo del sistema Mercurio che consente in poco tempo e in modo automatizzato di sapere, attraverso il numero di targa, se si ha di fronte un veicolo rubato oppure un mezzo che non è coperto da assicurazione. In città e nell’hinterland sono stati allestiti undici posti di blocco.

Due persone sono state “pizzicate” in città nonostante a loro carico fosse stato emesso un Divieto di ritorno: entrambe sono state denunciate. È stato anche rintracciato un romeno sul quale pendeva un ordine di carcerazione. Lo stesso giovane è stato anche segnalato per il possesso di una bomboletta di gas lacrimogeno.

Una buona metà sono romene, mentre altre sono di origine africana. Vi sono anche due transessuali e alcune sudamericane. Si possono incontrare percorrendo le “solite” vie: basta imboccare via Battistig, all’angolo con via De Rubeis. O girare in via Ciconi. Altre presenze, inoltre, in via Tullio e viale delle Ferriere, fino alla zona di piazzale Cella.

Non molto tempo fa la polizia aveva sospeso l’attività di un affittacamere che si trova a due passi da via della Cernaia perché le presenze – e tra queste c’erano diverse prostitute – non venivano registrate correttamente.




Car insurance for a new car, new vehicle insurance.

#New #vehicle #insurance


Car Insurance on a new car

By Penny Gusner, Insure.com – Last updated: Dec. 22, 2017

New vehicle insurance

In most states, car dealerships won t allow you to drive off the lot before you show proof of car insurance for your new vehicle. And for good reason — car insurance is required in nearly all states. Also, no dealer wants to be blamed if you total your new car five miles down the road and wind up making payments on a car you no longer can drive.

When to get insurance on a new car

If you already have car insurance for your current vehicle, then your existing policy may offer temporary coverage for your new car for a limited time. If you re not certain if your policy extends coverage, give your agent a quick call to check before picking up your new vehicle.

If your current car insurance policy does automatically extend coverage to a new car, you won t be required to inform your auto insurance company before buying a car, but don’t wait too long after your purchase to notify your insurer.

Policies that extend coverage to new cars typically give you anywhere from seven to 30 days to inform your car insurance company that you purchased a new vehicle. It’s important that you know exactly how long you have and inform your insurer about your new car within this grace period. Otherwise, you could unknowingly end up driving without insurance.

Be sure to find out if your extended coverage includes collision and comprehensive. If it doesn’t, your finance or leasing company will require you to add these physical damage coverages to your new car policy immediately.

If you don’t have a policy already in place, get car insurance quotes while you’re still shopping for a car and make sure you compare insurance rates by car model. You don’t want to be in the middle of purchasing your new vehicle and discover you can’t afford the insurance on it.

Insurance when buying a new car

Some car insurance policies only cover a new vehicle if it s replacing a vehicle on your policy and only extend the same coverage. For instance, if you only had liability insurance for your old car, your new car will only have liability coverage. If you find this to be the case, call and add the new car to your policy while at the dealership to have collision and comprehensive coverage in place before you drive off the lot.

Other auto insurance companies policy terms automatically provide a new car with comprehensive and collision for only a few days, two to four is common, if all the vehicles on your policy have liability only coverage.

That limited coverage window allows you to get home and call the insurer, which is especially helpful if you re buying a car during the weekend and your agent isn t available for you to add your new vehicle to your policy.

Other auto policies extend the physical damage coverage for a longer period of time if you have these coverages on at least one of the other cars on your policy.

Rules are all over the place with car insurance companies, and can also vary according to state laws. For instance, in Texas, insurance companies must give a newly obtained vehicle the same amount of coverage as your car with the most coverage. That means if you have one car with collision and comprehensive and a second car with liability and then you add a third car, it will have collision and comprehensive extended to it.

But, in Texas, if you re replacing a car on your policy you re extended only the same coverage as the car the new car is replacing. And any new automatic coverage in Texas only lasts up to 30 days so during that time you must inform your insurer of the new car and decide what exact coverages you want on it.

Whatever your extension period is, if you wait past the deadline to notify your insurance company you will lose coverage on the new vehicle. This could get you in trouble with your state department of motor vehicles and your finance company, not to mention bring about major financial difficulties if you get in an accident.

Know your auto insurance options

If you’re buying your first car, you need to shop around and get a car insurance policy lined up before you buy your new auto. That usually means you ll need to call from the dealership to formally start the policy by providing the insurer the vehicle identification number.

If you’re already insured and the dealer asks to see proof of insurance before you can burn rubber, show your current insurance card if you know there is automatic coverage. The dealer should accept that as proof. If you re asked to provide something more, most car insurance providers can email or fax proof. Your car insurance company may have a phone app that will let you show this information, check into that as well.

Keep in mind if you’re leasing a vehicle you may need to upgrade your coverage — leasing companies require you carry higher liability limits of $100,000/$300,000 for bodily injury and $50,000 for property damage. Typically, your insurer can get you the coverage you need within 24 hours.

If it’s time to shop for auto insurance, Insure.com provides a list of the best car insurance companies as ranked by policyholders.

  • New vehicle insurance
  • New vehicle insurance
  • New vehicle insurance
  • New vehicle insurance



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Term Life Insurance: Term Life Rates – Quotes: Farmers Insurance, insurance term life.

#Insurance #term #life


Term Life Insurance

Term life insurance offers affordable life insurance option with level premiums that generally last for a 10-, 20-, or 30-year term.

Term Life Insurance Policies

Term life insurance policies generally offer the greatest amount of coverage for the lowest initial cost – they are the most straightforward form of coverage. If you have shorter-term needs and limited money to spend on insurance, a term life insurance policy from Farmers New World Life Insurance Company may be the best fit for you.

Policyholders generally pay a premium on a monthly or annual basis for the length of that term. Proceeds help to cover financial responsibilities that decrease or end over time, like mortgages or car loans, should something happen to the insured. With term life policies, premiums will increase at the end of the fixed-term period.

Term life insurance policies are typically used to help provide additional life insurance coverage during child-raising years, to help pay for short-term debts, to help pay off a mortgage, or to fund a college education should the unexpected happen.

Farmers Simple Term 2

Simple Term life insurance coverage is designed with a simplified life insurance application and accelerated underwriting process. This product offers level-term insurance with face amounts low enough to fit many budgets, and premiums that are guaranteed level for 10, 20, or 30 years.

  • Coverage starting at $75,000
  • Convertible to lifelong 3 coverage that may build cash value regardless of health
  • No lengthy forms, medical exams or lab tests required, however, issuance of a policy may depend on answers set forth in the application

Farmers Value Term 4

Farmers Value TermВ® provides affordable life insurance coverage with premiums that are guaranteed not to increase for 10, 20, or 30 years. When you need enough coverage to help protect your family against loss of income or the cost of a mortgage, Farmers Value Term may be a cost-effective solution for you.

  • Guaranteed level death benefit 5
  • Convertible to lifelong coverage that may build cash value, regardless of health
  • Coverage starting at $150,000

Farmers Decreasing Term 6

Farmers Decreasing Term life insurance is decreasing-term coverage with premiums guaranteed to remain level as long as the policy is in force. The death benefit decreases monthly, rather than annually, to more closely follow the declining loan balance of a traditional fixed home mortgage. The death benefit amount decreases to 20% of the original face value over the duration of the term.

  • Coverage starting at $25,000 7
  • 15, 20, 25, and 30-year policies are available

  • Convertible to lifelong coverage that may build cash value regardless of health

    2 Policy form 2005-261 or applicable state variation. Available face amounts may vary. Premiums are subject to change after the initial term period.

    3 Lifelong coverage is guaranteed as long as all the premiums are paid to keep the policy in force.

    4 Policy form 2000-228, 2000-230, 2002-226 or applicable state variation. Premiums are subject to change after the initial term period.

    5 The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid.

    6 Policy form 1995-255-258 or applicable state variation.

    7 Coverages starting at $25,000 in most states; $50,000 in TX and CA.




  • What it takes to be a solo sailor, Sailing, Simplicity, and the Pursuit of Happiness, sejour solo.

    #Sejour #solo


    What it takes to be a solo sailor.

    Last week I was in Florida visiting a friend on her boat. The waterway was full of boats and beautiful houses. A lot to see and notice. But I was focused on the company I was with and wasnt paying attention until she said, My friend Anne lives on the boat next door. She sails it all by herself. My ears perked up. Another solo sailor? And to top that, another female solo sailor! I always pay attention to the sailors around me while Im cruising. Most often they are couples. Occasionally there is a family or a solo male sailor. Now I can say Ive met another solo female sailor.

    Ben and I met as solo voyagers and agree that it is the core of who we are as sailors today. In all the sailing I have done, nothing compares to what I have gained from solo sailing for an extended period of time, and I will always treasure that opportunity. I wrote The Gifts of Solo Sailing for Cruising Word a few months ago to describe why its valuable to me. Yet, even the best writing wouldnt capture the essence better than experiencing it. So, when I heard there was another female solo sailor right next door, I just had to meet her and get her take on it.

    Anne Hennessey lives aboard her boat Dakota and is bound for the Bahamas. Most of the time she is sailing alone. Occasionally he invites a friend or two aboard Dakota and they enjoy an afternoon out on the water. Thats one of the things I love about sailing is to see it in new eyes again. Ive taken women and men who havent sailed before and some of them love it in the first minute and others are like, Well um..thats nice…, she said, and then giggled. She was lighthearted and fun. We sat in her cockpit and talked for a while about sailing solo, being a female sailor, and her dreams and fears.

    I asked her if she noticed any difference of how women and men respond to her being the female captain of her own boat? My question caused her to giggle. Thats interesting, she said, drawing the words out. Most women are really happy that Im doing that. A lot of people say when they hear about it that it gives them the idea to follow their own dream, and I like that a lot. A couple of times, men respond differently. More laughter.

    Most of the time if Im in a good mood I just shrug it off. She was warming up to my questions. Once in a while my Irish temper gets up. Once I had a bridge tender that really gave me a hard time. To give him the benefit of the doubt, my boat has a racing rig, so its a really tall rig. He didnt understand why other boats could get through and that I would always ask for an opening. One day he said to me, and at this moment she leaned forward, lowered her voice and produced a serious tone, Now I want you to go right through the middle and Im going to scope you as you go through. Then she leaned back, threw up her hands and said, Well, I thought that was fine, because I knew I couldnt fit under the bridge. And I went through and he had nothing to say. After that he stopped giving me a hard time. We both giggled at this for a moment. Then she became thoughtful, Its almost like I had to prove myself. And this is the important part of the story; When I would have someone on the radio who knows how to use the radio, and it was a male voice, he never asked them. He never questioned them.

    I understood what she was talking about. I had experienced this kind of bias too. But as with anything, there is also a positive side to it. So I asked her, Has there been any perks of being a woman solo sailor? Her answer came as no surprise. Every once in a while, coming into a marina, I will get extra help. There will be people wondering what Im doing and offering to help me. I can think of a couple of marinas where the boats that were with me would check up on me. One guy offered to go up the mast for me. But I like to go up the mast. But on this particular time I did need another set of hands for the project, so I appreciated his help.

    We then began talking a bit more about solo sailing. Despite never wavering from her decision to choose this path, there have been a few times when sailing alone really challenged her. She told me about a time when she was sailing north from Miami and saw a squall coming south toward her. She decided to avoid the squall and turned back toward Miami. I I hadnt been paying attention to Miami, she said, So when I came about, I saw a huge squall coming at me from Maimi too, at this she laughed. And you know how it gets very cold before the squall strikes. Well, that happened. And in that moment I was thinking, Oh no! But I got through the squall just fine. I barely got to the mouth of Fort Lauderdale when the squall was over. There were two other boats out there. One was larger with a crew of four. When the squall was over they headed out again and I thought, Thats only because they have a crew of four. Im a crew of one and Im tired, Im going in!

    Im glad you made it through the storm, I told her and then said, When you decided to buy a boat, were you nervous that it would be too much to handle?

    Yes, she replied quickly. When I started I had zero experience with a diesel engine. So I read a lot and tried to learn as much as I could. But its different having your own. So, that part scared me and I thought I would just stay around people and ask enough questions. Im still learning, and its been good. And I think thats part of it. Its never the same; the weather, the boats, the crew. So youre always learning. Thats one of the reasons I love it.

    Before we parted, I told her that a lot of people dream of living on a boat and doing what she is doing. I asked her what she thought it took for someone to get out there and do it. She looked thoughtful for a moment and then said, When I was growing up I told my parents that since the family all loved the water, we should live on a sailboat. But my mother said we would have to sell the house, which I thought was a great idea. But she had the veto and didnt think that was the thing to do. So when my life turned around and I had the opportunity to do this, I just felt that I had to. I love sailing, I love being at the tiller, Im just so so happy. Thats what it takes; knowing that its really what you want to do!




    BB Rail Tours: St – dtereisen, Kombitickets, Bahnreisen, Bahn City Hit, BB, Sonderangebote, Hotel und Bahn, mpreis reisen.

    #Mpreis #reisen


    mpreis reisen

    Mpreis reisen

    Mpreis reisen Mpreis reisen Mpreis reisen

    Dschungelfieber

    Mpreis reisen Mpreis reisen Mpreis reisen

    Tanz der Vampire

    Mpreis reisen Mpreis reisen Mpreis reisen

    Stadt- & Hafenrundfahrt Hamburg, Nightjet

    Mpreis reisen Mpreis reisen Mpreis reisen

    Apassionata – Gefährten des Lichts

    Mpreis reisen Mpreis reisen Mpreis reisen

    Interlaken, Jungfraujoch, Schilthorn und Schynige Platte

    Mpreis reisen

    • Österreich
    • Wien

    BahnCity-Hit, Fleming’s Conference Hotel Wien

    1 Nacht mit Bahnfahrt zum Superpreis!

    p.P. inkl. Bahnfahrt ab

    Mpreis reisen

    • Österreich
    • Wien

    Lenny Kravitz – Raise Vibration Tour 2018

    Der Rockstar kommt am 09.06.18 in die Wiener Stadthalle. Buchen Sie Ihr Hotel-Bahn-Ticket Paket.

    p.P. für das Leistungspaket ab

    Mpreis reisen

    • Italien
    • Venedig

    Eine Nacht in Venedig

    Reisen Sie entspannt im BB Nightjet nach Venedig. Sie haben zwei ganze Tage zur Verf gung um Venedig zu entdecken.




    ACENTRO SERVICES – ACENTRO SERVICES, specializzata nel settore delle Pratiche Amministrative a carattere aziendale, ha sviluppato la propria competenza nella gestione di formalità ed adempimenti verso Enti e Pubbliche Amministrazioni in generale, pratica legale.

    #Pratica #legale


    Pratica legale

    Consulenza, assistenza, compilazione e trasmissione di adempimenti telematici

    ESPERIENZA SINONIMO Di GARANZIA

    Attenzione e risoluzione di ogni tuo problema tecnico – amministrativo.

    TEMPESTIVITA’ ED EFFICIENZA

    Economicità, Attenzione al Cliente, Tempestività, Efficacia e Professionalità.

    Servizi Digitali

    I servizi di Posta Elettronica Certificata e Firma Digitale rivestono carattere legale e sono equivalenti, rispettivamente, alla raccomandata postale e alla firma autografa.

    Pratiche Telematiche

    Un supporto amministrativo unito a competenza digitale, ma al contempo siamo un partner collaborativo che assume il compito di gestire al meglio l’adempimento rendendolo semplice.

    Visti Consolari

    Devi recarti allestero ed hai bisogno del visto? Esportare un prodotto, lavorare allestero e per lestero significa movimento, rispetto di tempi, richiesta del visto, programmazione e tempo.

    SPID Sistema Pubblico Identità Digitale

    Sistema di autenticazione che permette a cittadini ed imprese di accedere ai servizi online della pubblica amministrazione e dei privati aderenti con un’identità digitale unica.

    Registro Imprese

    Il Registro Imprese è un registro informatico e pubblico, che contiene le informazioni giuridiche ed economiche di tutte le imprese italiane, che operano sul territorio nazionale.

    ComUnica

    la Comunicazione Unica è una procedura che consente di eseguire con un’unica modalità di presentazione tutti i principali adempimenti amministrativi necessari all’avvio di unimpresa

    Banca Dati

    l servizio di banca dati consente al cliente di autogestire la richiesta di informazioni commerciali in autonomia, per il più esigente di avere il supporto di uno specialista.

    Acronimo di “eXtensible Business Reporting Language” derivato dalla tecnologia XML, obbligatorio il suo uso, consente l’aggregazione di informazioni in un formato standard.




    Guia en Panama, guia web en Panama, guia de turismo en Panama, bienes raices en panama.

    #Bienes #raices #en #panama


    Guía en Panamá

    Bienes raices en panama

    Guía Hoteles Panamá

    En Panamá puedes encontrar los mejores hoteles tanto en la ciudad capital como en el interior de la república de Panamá. Sitios paradisíacos para disfrutar de bellos paisajes, ríos, playas y montañas de los que no querrá salir. Escondites perfectos.

    Bienes raices en panama

    Guia de playas en Panamá

    Panamá cuenta con hermosas playas donde encontraras un espacio para descansar con tu familia o amigos y también practicar deportes acuáticos como surf, jetski, pesca, buseo y otros.

    Bienes raices en panama

    Guía turística de Panamá

    Guнa en Panamá: es una página web de turismo que fue creada con el objetivo de brindar ayuda a nacionales y extranjeros que desean visitar los hermosos lugares turísticos con los que cuanta este bello país, le deseamos la mejor estadía en nuestro país.

    Bienes raices en panama

    Bienes raices en panama Bienes raices en panama Bienes raices en panama

    Guía de Turismo en Panamá

    Bienvenidos a Guía en Panamá, nuestro objetivo es brindarles una guía turística sobre Panamá, su variedad cultural, destinos paradisíacos, hermosas montañas, valles, ríos, playas, la calidez de su gente, los magníficos hoteles, restaurantes, centros comerciales, malls, discos, club e información para que usted pueda comprar en Panamá: autos, bienes raíces, casas, apartamentos, propiedades, oficinas a los mejores precios del mercado.

    Servicios turísticos de Guía en Panamá – Organice sus viajes a Panamá

    Bienes raices en panama

    Bienes raices en panama

    » Alquiler Autos Economicos Panamб

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Deportes extremos en Panamá – Actividades turística en Panamá

    Turismo en Panamá

    Primera ciudad española fundada en Panamá, el 15 de agosto de 1519, por Pedro Arias Ávila. Panamá la vieja es una ciudad de donde salieron las expediciones para la conquista Leer más sobre Panamá la Vieja

    En Panamá se celebran fiestas y ferias muy importante para el panameño y en cada provincia del país se celebran días festivos propios, Guía en Panamá te ofrece una guía de referencia. Leer más sobre: Días Feriados, Ferias, Fiestas y Patrios en Panamá

    El Casco Antiguo de la ciudad de Panamá fundada en 1673 después de la destrucción de la primera ciudad Panamá La Vieja, ciudad destruida en 1671 Leer más sobre el Casco Viejo en Panamá

    El cerro ancón posee el punto mas alto de la ciudad de Panamá con 199 metros de altura, lleva el nombre del primer barco que cruzó de un lado a otro el canal de Panamá, el vapor "Ancón", desde el cerro ancón podrá apreciar una encantadora vista de la ciudad de Panamá Leer más sobre el Cerro Ancón en Panamá

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    El primer esfuerzo por llevar a cabo la construcción del Canal de Panamá fue realizado por los franceses (siglo XIX). Luego de cinco años los trabajos se suspendieron y la compañía se declaró en quiebra. Leer más sobre el Canal de Panamá

    El causeway de amador posee islas que en su momento erán uno de los fondeaderos favoritos de los galeones españoles que llegaban a la Ciudad de Panamá con tesoros los cuales arrebataban al imperio Inca. Leer más sobre el Causeway de Amador en Panamá

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Guía en Panamá le ofrece un vistazo sobre Panamá, fotos sobre lugares turísticos, paisajes, flora, fauna, costumbres, tradiciones, monumentos históricos, museos y hermosa variedad de culturas que conviven en Panamá

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Bienes raices en panama

    Páginas web en Panamá:

    Página web de Ventas en Panamá, esta página web te ofrece una guía web en Panamá para realizar tus compras, venta de autos, propiedades, casas, apartamentos, multimedia, computadoras, celulares y ventas en general en Panamá: Ventas en Panamá

    Sitio web de Clasificados en Panamá en donde encontrarás una guía web en Panamá para realizar tus compras, venta de mascotas, artículos deportivos, ofertas de empelo y clasificados en general: Clasificados en Panamá

    Directorio web en Panamá es una página web que contiene información sobre Panamá con útiles enlaces que te ofrece una guía web en Panamá en donde encontraras páginas tanto de Panamá como el resto del mundo: Directorio páginas web en Panamá

    Diseño de páginas web en Panamá es un sitio web que te ofrece los servicios de diseño, optimización y confección de páginas web en Panamá: Diseño web en Panamá

    Deportes en Panamá es una página web con información de deportes que te ofrece una guía completa sobre todos los deportes que se practican en Panamá como surf, natación, atletismo, ciclismo, futbol, beisbol, boxeo y más: Deportes en Panamá

    Patrocinadores de Guía en Panamá – Guía de turismo en Panamá

    Bienes raices en panama




    Siemens Aktie, Aktienkurs, Realtime-Kurs, Chart, News, 723610, siemens aktienkurs.

    #Siemens #aktienkurs


    Siemens Aktie

    • München Siemens aktienkurs

    Top-News Aktien

    Siemens aktienkurs

    Aktien 2018: Das sind die 3 Dax-Favoriten

    Nach dem Rekord-B rsenjahr 2017 sind auch die Vorzeichen f r die laufenden zw lf Monate positiv und vieles spricht daf r, dass die Hausse fortgesetzt wird. Die extrem hohe . weiterlesen

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    Siemens Aktie News und Analysen

    Siemens Aktie Analysen

    Siemens aktienkurs

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    Siemens aktienkurs

    Siemens aktienkurs Siemens Aktie Hoch- und Tiefpunkte in Euro

    Siemens aktienkurs

    Siemens aktienkurs Siemens aktienkurs Siemens AG Marktkapitalisierung (Angaben in Millionen EUR)

    Siemens aktienkurs Siemens aktienkurs Siemens Renditedreieck

    Siemens aktienkurs Siemens aktienkurs Siemens Renditeverteilung

    Siemens aktienkurs Siemens aktienkurs Siemens seit 1987

    Siemens aktienkurs




    Life Insurance, Life Cover, Life Insurance Quotes, LV, insurance life policy quote.

    #Insurance #life #policy #quote


    Life Insurance

    In their eyes you’re a superhero.

    So help protect their future.

    Why you might want to take out LV= Life Insurance

    Our children rely on us to be there for them, in good times, in sad times and in everyday life. In their eyes, you’re a superhero. But none of us are invincible, so help protect their future with LV= Life Insurance.

    Life insurance will pay a lump sum should the worst happen, so you will have peace of mind that your family will be financially protected when you’re gone.

    Even superheroes need protection.

    • Get insured from £5 a month
    • Quick and easy online application
    • Peace of mind that your loved ones are protected

    Exclusive member rewards

    By taking out an LV=Life Insurance policy, you automatically become a member which gives you access to a range of benefits at no extra cost:

    • 24 hour member care line to help with:

    – criminal and civil law queries

    – health and medical questions

  • community fund supporting good causes.
  • participation in election of board directors.
  • Cover features

    • Option of choosing level or decreasing cover (decreasing cover reduces the amount paid over time, level is fixed and won’t keep up with inflation).
    • Choose the amount of insurance or monthly amount you wish to spend starting from £5 a month.
    • Choose the length of time you’d like the plan to last. After the insurance starts the premium and length of time is fixed.
    • Life insurance cover of up to £500,000 (£300,000 if you’re 56 to 65, or £200,000 if you’re 66 to 69 when you apply).
    • If you’re diagnosed with a terminal illness during the plan term you can ask us to pay out your insurance policy early.
    • You can take out additional policies to increase the total amount you are insured for.
    • The amount of insurance available will be personalised to your individual circumstances such as your age and whether you smoke or not.

    Important information

    • Level cover provides a fixed sum and doesn’t change. It won’t keep up with inflation and will buy less in the future.
    • Decreasing cover will reduce each year but your premium will remain the same.
    • You can’t claim under a terminal illness in the last 12 months of the plan.
    • After your plan has been issued, you can’t change it.
    • If you die, we’ll normally pay the lump sum to your estate. Inheritance tax could apply to the part that’s worth over £325,000 (tax years 2017/18 to 2020/21).
    • If you stop paying your premiums, your insurance may end.

    About Life Insurance with us

    Video transcript

    Let me tell you a little more about LV=

    We’re the largest mutual and friendly society in the UK, so when you take a policy with us, it means that you have a direct say in how we run our business.

    You’re at the heart of our decision making and that’s something we’re really proud of.

    Back in 1843, we set out to provide life cover to help people save for their funerals and ease the burden on their families with this expense then they’re gone.

    And we’re still doing this today, so you’ll have the reassurance of knowing that you’re part of a long history of providing financial security to our members.

    As a customer, you’ll become a member which gives you discounts on our car, home, pet and travel insurance.

    As well as access to our free 24 hour member care line, for legal, health and medical enquiries.

    We pride ourselves on being the most trusted and recommended life insurer, but don’t just take our word for it.

    “Quick, easy and dependable”

    “Easy application, no misleading questions, value for money”




    Seguros médicos de Fiatc – MEDIFIATC –, seguros fiatc.

    #Seguros #fiatc


    Seguro de Salud MEDIFIATC

    Llama ahora a iSalud

    CHAT MÉDICO iSalud incluido

    El médico en tu móvil

    • Exclusivo para clientes iSalud
    • Chatea con especialistas las 24 horas

    Descárgate la App:

    iSalud

    Calcula aquí tu seguro médico

    Seguros de salud FIATC

    Medifiatc Base P5

    Asistencia Primaria y Especialistas

    En iSalud, el seguro de salud Medifiatc Base P5 es un seguro de asistencia sanitaria exclusivamente extrahospitalaria basada en un amplio cuadro médico. Las coberturas son las mismas que las del Medifiatc Base, con uno de los precios más competitivos del mercado y con copago reducido.

    Medifiatc P15

    Asistencia Primaria, Especialistas y Hospitalización

    Es un seguro de salud privado de cuadro médico que incluye las máximas coberturas: medicina general y pediatría, todas las especialidades, medios de diagnóstico, hospitalización e intervenciones quirúrgicas, urgencias y asistencia sanitaria en el extranjero, entre otras. Con acceso al amplio y prestigioso Cuadro Médico de Fiatc. Con iSalud, las máximas coberturas con una prima muy ajustada y con copago.

    Medifiatc P5

    Asistencia Primaria, Especialistas y Hospitalización

    Es un seguro de salud completo que incluye las máximas coberturas tanto hospitalarias como extrahospitalarias: medicina general y pediatría, especialidades, medios de diagnóstico, incluidos los de alta tecnología, urgencias, asistencia sanitaria en el extranjero, y hospitalización e intervenciones quirúrgicas, entre otras. Todo ello con una prima ajustada y con copago reducido. Con iSalud encuentra el mejor seguro médico.

    Medifiatc

    Asistencia Primaria, Especialistas y Hospitalización

    En iSalud, el mejor seguro médico privado Medifiatc, es un seguro de salud privado que ofrece la máxima cobertura al mejor precio, con elección de profesionales sanitarios que forman parte de nuestro amplio Cuadro Médico. Incluye, además de los servicios de Medifiatc Base, cualquier tipo de ingreso hospitalario e intervención quirúrgica. Todo ello sin ningún tipo de copago.




    Appartamenti – Sole Alto – Dolomiti – Agenzia Montana, letto singolo con letto estraibile.

    #Letto #singolo #con #letto #estraibile


    Letto singolo con letto estraibile

    Il Residence SOLE ALTO situato nella parte alta della località Marilleva 1400 direttamente sulle piste da sci,

    fra la pista Panciana (pista rossa) e la pista Nera Marilleva (pista nera).

    Si esce di casa con gli sci ai piedi e si raggiunge limpianto di risalita che dista circa 200/300 metri.

    Destate è immerso nel verde di prati e boschi con vista stupenda su tutta la Val di Sole e sulle montagne circostanti.

    Maestra snowboard

    Groste Madonna di Campiglio

    Vidi – Dolomiti di Brenta

    Lago Malghette

    residence Sole Alto

    Bilocale 5/6

    TIPO 1: soggiorno con angolo cottura pranzo, con tre letti (letto singolo e divano letto matrimoniale o letto singolo e un letto singolo con estraibile), vano separato con letto singolo, vano separato con letto a castello; TIPO 2 soggiorno con letto singolo con estraibile, vano separato… Continua »

    Bilocale 4

    soggiorno con angolo cottura pranzo, con 2 posti letto (divano letto matrimoniale oppure un letto singolo con estraibile), vano separato con letto a castello, bagno con vasca o doccia; 35 mq.

    Monolocale 4

    Angolo cottura pranzo, divano doppio o letto singolo con estraibile, vano separato con letto a castello, bagno con vasca o doccia; alcuni con balcone.

    Monolocale 2

    vano unico con angolo cottura pranzo; divano letto matrimoniale oppure un letto singolo con estraibile; alcuni con una poltrona letto singola oppure un altro letto singolo; bagno con vasca o doccia; 20 mq.




    Siti per Vendere Auto, siti vendita usato.

    #Siti #vendita #usato


    Siti per Vendere Auto

    Portali di Annunci

    Se si vuole vendere la propria auto a privati su internet, occorre scrivere e pubblicare un annuncio di vendita su un portale di annunci. Di seguito abbiamo stilato un elenco dei migliori siti di annunci di auto usate. Tutti i siti nella lista offrono l’inserimento gratuito dell’annuncio:

    • AutoScout24 – il sito numero 1 dedicato agli annunci di compravendita di auto usate su internet con oltre 2 milioni di annunci di autoveicoli usati presenti nel database in ogni dato momento. L’inserzione di un annuncio e’ gratuito e si possono caricare fino a 15 fotografie. Leggi la nostra guida su come vendere su AutoScout24
    • Subito.it – il maggiore sito di annunci di ogni tipo (auto comprese) in Italia, suddiviso per regioni. Pubblicare un annuncio e’ gratuito. Leggi la nostra guida a Subito.it
    • eBay Annunci Motori – la sezione di annunci per auto usate sul principale sito di aste ed uno dei migliori siti di e-commerce in Italia. Gli annunci inseriti su eBay vengono pubblicati automaticamente anche su Kijiji.it. Sono presenti circa 150 mila annunci di automobili usate. Inserire un annuncio e’ gratuito. Leggi la guida alla vendita di un’auto su eBay
    • Bakeca.it – con circa 300 mila annunci di auto presenti nel database, il portale di annunci Bakeca supera il piu’ noto eBay e si pone come una valida opzione per promuovere la vendita della propria auto in rete.
    • VivaStreet – Veicoli – facente capo al portale Virgilio, ha una banca dati con quasi 150 mila annunci di veicoli usati. Chi cerca puo’ effettuare la ricerca su base nazionale o regionale.
    • Automobile.it – importante sito per gli annunci di auto usate, con oltre 100 mila annunci presenti in ogni momento. Anche su questo portale inserire un annuncio e’ gratis. Da scaricare gratuitamente anche le app per Android o iPhone che permette di inserire l’annuncio, modificarlo, ed accedere alle statistiche di visualizzazione dello stesso.
    • AutoSuperMarket – online dal 1999, e’ un valido portale specializzato negli annunci di autovetture usate. Fa capo al gruppo editoriale EDITORIALE C&C che pubblica 10 testate dedicate al settore automotive e distribuite nelle edicole italiane.
    • Quattroruote Usato – la sezione di annunci della nota rivista automobilistica presenta un discreto database (circa 50 mila annunci). E’ richiesta la registrazione.
    • alVolante Annunci – anche il secondo mensile automobilistico piu’ venduto in Italia ha realizzato una sezione dedicata aglli annunci. L’inserimento e’ gratuito, ma meno semplice di altri portali. Il limitato numero di offerte e visitatori non rende questo sito molto efficace per vendere la propria auto.
    • AutoMoto – il quotidiano di informazione automobilistica presente un database dell’usato con quasi 50 mila veicoli.
    • Secondamano Auto – lo storico periodico di annunci italiano presenta solo 20 mila annunci di auto ed un sito non sempre funzionante.
    • Porta Portese – parte dello stesso network di Secondamano, e ugualmente poco frequentato, la versione online del noto giornale di annunci diffuso soprattutto a Roma e nel Lazio offre la possibilita’ di inserire un annuncio gratuito per vendere la propria auto. Curiosa la scelta di suddividire gli annunci in "Auto Italiane" e "Auto Straniere"
    • Repubblica Motori – con meno di 10 mila annunci di auto in vendita, il portale del quotidiano nazionale La Repubblica rappresenta un mercato troppo ristretto per rendere la pubblicazione del proprio annuncio, anche se grautita, conveniente.

    Siti che comprano auto direttamente

    Per maggiori informazioni su questa tipologia di siti, con i relativi vantaggi e svantaggi, si veda la sezione dedicata ai siti che comprano auto in contanti. Di seguito una lista di siti di commercianti che offrono questo servizio:




    UGA Grad Studies, degrees in grad.

    #Degrees #in #grad


    Degrees in grad

    • Degrees in grad
    • Degrees in grad

  • Degrees in grad

  • Degrees in grad

  • Degrees in grad

    Graduate Education Events

    MLK Day of Service

    Degrees in gradJanuary 15, 2018

    8:30 AM Clarke Central High School (350 S Milledge Ave, Athens, GA 30605)

    In 1994, Congress made the Martin Luther King Jr. federal holiday an official day of service. Athens, Georgia is one of the thousands of cities across the United States that decided to make this A Day On and Not a Day Off.

    Celebrate Dr. King s legacy at the 2018 Athens Martin Luther King Jr. Day of Service:

    Location: Clarke Central High School

    The first 200 registered volunteers at the Athens MLK Day of Service Kick-off event will receive free t-shirts. A light breakfast will be served.

    MLK Day of Service registration is now underway! Register today at https://uga.givepulse.com/group/events/118913

    Degrees in grad

    Announcements

    Risha Masalia, has received the K. Patricia Cross Future Leaders Award from the Association of American Colleges Universities. Risha is a student in the Plant Biology department. This award recognized graduate students who show exemplary promise as future leaders of higher education; who demonstrate a commitment to developing academic and civic responsibility in themselves and in others; and whose work reflects a strong emphasis on teaching and learning.

    For the second year in a row, David Stanley, a graduate assistant for Recruitment and Diversity Initiatives at the Graduate School, was selected as Mentor of the Year at Clarke Central High School. Read more about David and his mentoring experiences in the UGA Graduate. Congratulations David!

    Offered for the first time in 2018, this new grant program will support graduate students who wish to communicate the results of their research and scholarship to non-academic audiences. The outreach and communication activities supported by this grant will both engage new populations with the research and scholarship done by UGA graduate students and provide opportunities for them to develop and practice skills that will serve them in a range of careers. Deadline: Feb. 5, 2018




  • Alquiler de pisos para vacaciones, apartamentos en la manga.

    #Apartamentos #en #la #manga


    Apartamentos vacacionales. Pisos de alquiler para vacaciones

    BUSCAMOS APARTAMENTOS PARA TI

    Domiroom la web de alquileres vacacionales.

    Apartamentos en la manga

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    Apartamentos en la manga

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    Apartamentos en la manga

    • Wifi
    • Aire Acondic.

    Apartamentos en la manga

    • Wifi
    • Calefacción

    Apartamentos en la manga

    • Wifi
    • Calefacción
    • Cuna

    Apartamentos en la manga

    Apartamentos en la manga

    • Wifi
    • Aire Acondic.

    Encuentra el piso o casa perfecta para tus vacaciones

    Las vacaciones en la casa que estabas buscando

    Te recomendamos visitar Andalucía en tus vacaciones

    Apartamentos en la manga

    • Wifi
    • Barbacoa

    Apartamentos en la manga

    • Wifi
    • Aire Acondic.
    • Calefacción

    Apartamentos en la manga

    • Wifi
    • Aire Acondic.

    Apartamentos en la manga

    Apartamentos en la manga

    • Wifi
    • Chimenea

    Apartamentos en la manga

    • Wifi
    • Aire Acondic.
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    Apartamentos en la manga

    • Wifi
    • Aire Acondic.
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    Apartamentos en la manga

    • Wifi
    • Aire Acondic.
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    Apartamentos en la manga

    • Wifi
    • Aire Acondic.

    Apartamentos en la manga

    • Wifi
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    Apartamentos en la manga

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    Apartamentos en la manga

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    Apartamentos en la manga

    • Calefacción
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    Apartamentos en la manga

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    • Calefacción

    Apartamentos en la manga

    • Wifi
    • Aire Acondic.
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    Apartamentos en la manga

    • Calefacción
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    • Tv satélite

    Apartamentos en la manga

    • Wifi
    • Aire Acondic.
    • Calefacción

    Apartamentos en la manga

    • Wifi
    • Aire Acondic.

    Zonas de interés

    Principales destinos

    Tu casa, piso, habitación o apartamento vacacional al mejor precio.

    Domiroom es uno de los más importantes portales de España en alquileres vacacionales de habitaciones, apartamentos, casas, pisos, bungalows, chalets, villas, etc.

    Actualmente contamos con miles de alojamientos repartidos por todo el territorio nacional, aportando todas las opciones de ocio de nuestros clientes: playas, estaciones de esquí, turismo rural, grandes núcleos urbanos, pequeñas ciudades con encanto, etc.

    El alquiler de pisos para vacaciones se han convertido hoy en día en una alternativa diferente y amigable a la hora de organizar nuestras vacaciones o escapadas de fin de semana, además de ser frecuentemente más económico que otras opciones tradicionales para nuestros viajes.

    Desde Domiroom facilitamos a los anfitriones y huéspedes la posibilidad de comunicarse entre ellos, mediante mensajería, y confirmar la opción más ventajosa para ambos..

    El recuerdo que nos llevamos de nuestras vacaciones es impagable, y desde Domiroom lo sabemos y cuidamos todos los detalles. Donde quiera que vayas a pasar tus vacaciones en España te garantizamos unos recuerdos imborrables para toda la vida. Nuestra plataforma quiere facilitar a los viajeros la posibilidad de descubrir pequeños rincones, lugares con encanto, que harán que sus viajes sean algo especial que guar dar para siempre entr e nuestros mejores recuerdos.

    Las casas y pisos para vacaciones de Domiroom son el punto de partida para descubrir todas las opciones de nuestro destino, ya sea una gran ciudad como Barcelona o Madrid, zonas más turísticas como la Costa del Sol o Costa Brava o zonas más tranquilas, como la Costa Tropical de Almería, estaciones de esquí como Sierra Nevada o turismo rural y con encanto en Toledo o Aragón.

    Acceso privado para propietarios

    Domiroom permite a los propietarios o anfitriones poner en alquiler su alojamiento para quienes busquen un sitio donde pasar las vacaciones. Publicar una propiedad es sencillo, rápido y gratis. Podrás ganar un dinero extra por ese apartamento que actualmente no utilizas.




    Halm & Collegen, fachanwalt versicherungsrecht.

    #Fachanwalt #versicherungsrecht


    Im Herzen von Köln

    Ihre Kanzlei für Versicherungs,-Verkehrsrecht und Haftungsrecht – direkt am Dom. +49 – (0)221 – 27 25 29 30

    Nah am Klienten

    Lernen Sie unser Team kennen.

    Erleben Sie Herzlichkeit und Professionalität, Hand in Hand.

    Kanzlei seit 1956.

    Als Kanzlei sind wir bundesweit tätig.

    Wir machen unsere Stärken zu Ihren Stärken.

    Fachanwalt versicherungsrecht

    Verkehrs recht

    Fachanwalt versicherungsrecht

    Versich erungs recht

    Fachanwalt versicherungsrecht

    Haftungs recht

    Fachanwalt versicherungsrecht

    Arzt haftungs recht

    Fachanwalt versicherungsrecht

    Arbeits recht

    D ie Gründung der Sozietät Halm erfolgte 1956 in Köln,

    bereits zu diesem Zeitpunkt lag der Schwerpunkt der Tätigkeit im Versicherungs- und Haftungsrecht. Aufgrund der immer stärker fortschreitenden Spezialisierung im anwaltlichen Dienstleistungsmarkt wurde eine mehrjährige Zusammenarbeit mit Wirtschaftsprüfern und Steuerberatern zum 31.12.1998 beendet. Seit diesem Zeitpunkt entwickelte und vergrößerte sich die Sozietät zu einer der führenden Kanzleien für die Bereiche des gesamten Verkehrs-, Versicherungs- und Haftungsrechts.

    Die Partner und anwaltlichen Mitarbeiter sind mit einer Vielzahl von Veröffentlichungen in Fachzeitschriften, als Mitherausgeber von Handbüchern und Kommentaren sowie mit Seminartätigkeiten in diesen Rechtsbereichen hervorgetreten.

    Der Schwerpunkt der heutigen Tätigkeit liegt neben unternehmensbezogener Beratung in einer qualifizierten Prozessführung. Obwohl die Kanzlei über ein dichtes Kooperationsnetz mit in- und ausländischen Anwälten verfügt, treten wir selbstverständlich für Sie auf Wunsch und nach Vereinbarung auch selbst vor allen bundesdeutschen Amts-, Land- und Oberlandesgerichten auch außerhalb des Rheinlandes auf.

    In unserer außergerichtlichen und gerichtlichen Tätigkeit beraten und vertreten wir Versicherungsgesellschaften, Firmen der mittelständischen, gewerblichen und industriellen Wirtschaft, Privatmandanten, die Mitglieder des ADAC e.V. und Mitglieder von Verbänden sowie diese selbst.

    Dabei legen wir ganz besonderen Wert auf eine individuelle, vertrauensvolle und persönliche Zusammenarbeit für und mit unseren Mandanten. Das Konzept der Teamarbeit sowohl in unserer Kanzlei als auch mit den Mandanten selbst hat sich dabei besonders bewährt.

    Unterstützt werden wir bei unserer Tätigkeit durch fachkundige und äußerst motivierte Mitarbeiter und Mitarbeiterinnen, die ganz überwiegend langjährig in unserem Büro angestellt sind.




    Apartamentos en Conil – Conil Apartamentos – ¡Alquiler Desde 30€, apartamento en conil.

    #Apartamento #en #conil


    Alquiler de vacaciones en Conil de la Frontera

    Apartamento en conil

    El Caserón de Conil Spa

    Apartamento en conil

    Apartamento Los Rosales

    Apartamento en conil

    Apartamento Cañada del Rosal

    Apartamento en conil

    Apartamento San Sebastian 5

    Apartamentos baratos en Conil

    PORQUE es alquiler directo con el propietario del alojamiento, sin intermediarios ni comisiones. Ahórrate gastos innecesarios en tus vacaciones

    Anúnciate con nosotros

    PORQUE te ayudamos con tu alquiler mejorando continuamente, ampliando funcionalidades y potenciando nuestra presencia en internet y redes sociales

    Conil, la guía definitiva

    PORQUE te mostramos el pueblo con información práctica y actual de forma que puedas disfrutar al máximo de sus playas, gastronomía, etc.

    Nuestros portales de alquiler vacacional

    Conil Apartamentos

    Pisos en Conil en primera y segunda línea de playa y en el centro del pueblo. Si buscas comodidad ésta es tu mejor opción de alquiler vacacional

    Conil Casas

    Las casas en Conil son el alojamiento ideal si buscas la perfecta combinación de la tranquilidad del campo con la playa. La mayoría tienen piscina, barbacoa, etc.

    El Palmar Alquiler

    El Palmar se ha convertido en un pequeño paraíso en Vejer gracias a su playa rodeada de campo, naturaleza, chiringuitos y una vida nocturna única y singular

    Apartamentos en Conil de la Frontera

    El alquiler de apartamentos en Conil de la Fra. es una buena elección dentro de la oferta de alquileres vacacionales en la provincia de Cádiz. La opción alquilar un piso es totalmente práctica y recomendable cuando se busca en un viaje una experiencia mucho más cómoda y hogareña para pasar las vacaciones en la Costa de la Luz. Este tipo de alojamientos para disfrutar del verano en Conil cuentan con múltiples ventajas ya que posibilitan que pueda viajar toda la familia y sentirse como en casa. Los perros, gatos y otros animales de compañía no son problema ya que una gran parte de nuestros apartamentos admiten mascotas al contrario que la mayoría de los hoteles y hostales de Cádiz.

    Otra de las ventajas de alojarse en un apartamento frente a otro tipo de hospedajes o viviendas es sin duda la oferta económica. Nuestra página web http://www.conilapartamentos.es ofrece una gran variedad de pisos baratos en Conil por particulares gracias a que el contacto se establece directamente entre el inquilino y el propietario del alojamiento sin comisiones ni intermediarios. Además, existe cierta flexibilidad a la hora de reservar ya que puede tratar directamente con el particular de la vivienda un precio más barato y las condiciones en las que se va a alojar. En definitiva, obtiene el mejor precio garantizado en su alquiler incluso en los meses de Julio y Agosto que es cuando más demanda de alojamiento vacacional. Los apartamentos en la playa son los primeros que se reservan en temporada alta.

    Apartamento en conil

    Apartamento en conil

    El alquiler en Conil de la Frontera supone que dispondréis de todas las libertades para administrar las vacaciones a vuestro antojo. Los apartamentos cuentan con la ventaja de tener cocina con lo cual no siempre es necesario comer en bares y restaurantes favoreciendo también que se puedan disfrutar de una estancia aún más económica si cabe. La mayoría de pisos se encuentran dentro del núcleo urbano por lo que no se hace necesario desplazarse en coche a la playa o a los sitios de interés de este pueblo turístico.

    Su ubicación estratégica en la comarca de la Janda, hacen de este pueblo blanco marinero punto neurálgico a la hora de diversificar las actividades de ocio en la zona de la Costa de la Luz que cuenta con más de 138 kilómetros de playa y calas. Si ya has veraneado aquí y conoces a la perfección las playas de Conil puedes conocer y visitar otras localidades cercanas como Vejer y El Palmar, Zahara de los Atunes, Caños de Meca, Tarifa o Bolonia.




    Income Protection Insurance – We compare the market for Cheap Income Protection Insurance, compare income protection insurance.

    #Compare #income #protection #insurance


    Income Protection Insurance

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    Compare all these income protection insurers with one simple form :

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    Compare income protection insuranceCompare income protection insuranceCompare income protection insurance

    Compare Income Protection

    Income protection doesn’t just cover the majority of your salary when you’ve been made redundant or experienced an illness or accident – it also helps you find work and get answers to pressing legal questions. Depending on the circumstances, all the benefits you receive from your policy are tax free. Here’s an overview of the added benefits of income insurance.

    Benefits from insurance protection policies are tax free as long as the money you use to pay the policy premiums originates from a taxable income. This can be an enormous help to families who find themselves in unexpected circumstances. If the premiums are paid with money that does not originate from taxable income, the benefits from the policy may be subject to taxation.

    The best way to determine how the policy will affect your particular financial situation is to inquire with our agents at the time of signing the policy or ask your financial advisor for more specific details.

    Comparison Table

    Buyer’s Guide

    Compare income protection insurance

    Why Choose Us?

    • Protection when you can’t work:

    Some other insurance companies may require you to obtain another job that is not entirely suitable rather than pay a benefit to you.

    Returning to the workplace environment after a lengthy period off can be quite daunting so we will arrange for you to receive a cash bonus if you go back into full time employment.

    Being self employed your earned income may cease as soon as you are unable to work through accident or illness. You may be able to start receiving an income from as short a period as seven days from when you cease to work.

    Some insurance companies have general exclusions in their policies including war, civil riot, alcohol and drug abuse. These sorts of exclusions could be removed from the cover that we arrange providing extra peace of mind.

    Additional Benefits of Income Insurance

    We understand how traumatic redundancy or illness can be. That’s why we provide a variety of other services as part of our income protection cover including a legal helpline, a back-to-work centre, as well as counselling services.

    Our legal helpline is available 24 hours a day to answer any questions you may have about legal recourses to unfair employment practices or other legal matters. We are very familiar with the process surrounding accidents and injuries and can provide referrals to qualified legal professionals.

    We also appreciate that searching for a job can be stressful. Our back-to-work services help connect you with professional placement centres. Nothing is more satisfying that finding employment that is sustainable and in your desired industry. We want each of our policy holders to feel that not only can they rely on our unemployment insurance, but also on our employment placement services. In the case of injury or accident, we help our policy holders by giving them access to health professionals through a GP helpline. We believe that by knowing that a healthcare professional is only a phone call away can alleviate a great deal of stress and help aid in the process of recovery. Our network of qualified GPs can answer questions on a variety of different health concerns.

    While experiencing an injury, accident or redundancy can seem debilitating, the vast majority of people make a full recovery.

    Compare income protection insurance




    Comparing Stepped versus Level Premiums for Life Insurance, level premium term life insurance.

    #Level #premium #term #life #insurance


    Comparing Stepped versus Level Premiums for Life Insurance

    Once you’ve decided you want to get Life Insurance, there are many things you need to think of to tailor the policy to your needs. One of the most important choices you’ll have to make is choosing between stepped or level premiums.

    At Wealth Smart, we’re the first to admit that different Life Insurance terms can be confusing and overwhelming (that’s why we’ve developed a Life Insurance Glossary of Terms to clear things up).

    But understanding stepped and level premiums is vital to determine just how much money you’ll pay over time on your policy. Since you get to choose which type of premium you’d like, it’s best to familiarise yourself with how they work, what would be the advantages and disadvantages of each, and whether they’re the best choice for you.

    Stepped and level premiums determine how you choose to structure your regular Life Insurance premium payments. Read below to find out the differences between the two.

    Level premium term life insurance

    Stepped premiums

    Stepped premiums are the most common way to pay Life Insurance premiums. They’re calculated on your age, with premiums generally increasing with your age. Premiums are typically higher the older you get, since you’re considered more likely to fall ill or be seriously injured.

    Stepped premiums are recalculated annually at the policy anniversary. While they do generally rise as your risks rise, they can sometimes drop if your circumstances are deemed less hazardous (such as a young, reckless man transitioning into family life).

    Benefits

    Stepped premiums ensure:

    • A cheaper rate at the beginning of a policy, so more affordability in the short-term.
    • You are only paying for the level of risk associated with your current age.

    Disadvantages

    • Your premium will rise substantially the older you get.

    Should I choose stepped premiums?

    Since stepped premiums are much more economical than level premiums at the beginning of a policy, they are good if you’re looking at keeping a short-term policy just to pay off your loans or debts.

    Similarly, if you’re a young family struggling to make ends meet (kids do, after all, gobble up a lot of your income and savings!), a stepped premium helps ease yourself into a Life Insurance policy. After all, it’s better to choose a cheaper premium than to forego Life Insurance altogether because of unaffordability. Once your finances are freer, you can increase your cover as you wish.

    Level premiums

    With level premiums, you pay more in the beginning, but the premium costs average out over time so that you can end up saving money. Usually a level premium remains constant until the age of 65, when it reverts to a stepped premium as your risks increase.

    Benefits

    Level premiums ensure:

    • Security – you know in advance what your premiums will be so you can guarantee you can afford it in the future.
    • A fixed price – the premium doesn’t increase annually and remains the same till the policy ends (except for modest yearly increases relating to inflation)
    • The flexibility to increase your cover (and your premium) if you choose
    • Long-term cost saving as your premiums stay the same, instead of rising steadily as stepped premiums do.

    Disadvantages

    • A higher cost at the beginning of the policy (but this price stays fixed for the length of the policy, unlike stepped premiums).

    Should I choose level premiums?

    Level premiums are ideal if you plan to keep your Life Insurance policy long-term. If you’ve just taken out a mortgage and plan to repay it over a few decades, you may want to ensure you’re covered by Life Insurance for the same length of time.

    Level premiums also suit you if you’re young and look at getting a head start on a long-term policy. While you may pay more initially, you could end up saving a substantial amount over time.

    How do I know which premium is right for me?

    Getting the right premium from the beginning ensures that you’re getting the best Life Insurance policy for your circumstances.

    It’s easy to assume that stepped premiums are better for you since they’re cheaper. But while your budget is an important consideration, it’s also a good idea to think about your future plans for your policy. Do you intend to have it for decades? If that’s the case you may save more with a level premium.

    In the end, it comes down to assessing the early affordability of stepped premiums against the long-term affordability for level premiums.

    Still confused? If you feel overwhelmed or in need of a helping hand, don’t hesitate to contact one of our insurance experts at Wealth Smart for invaluable advice.

    Find out more about Life Insurance with our FREE comprehensive eBook.

    DOWNLOAD YOUR FREE EBOOK NOW!

    Level premium term life insurance

    Level premium term life insuranceAboutВ Gerard Phillips.В Gerard is the Managing Director of Wealth Smart Australia he has completed courses for Diploma of Financial Services (Insurance Broking), a Bachelor of Commerce majoring in Insurance and Marketing and is a Fellow of the Australian and New Zealand Institute of Insurance and Finance and is currently a Certified Insurance Professional (CIP), he is also a member of the Association of Financial Advisors (AFA).




    Best cars for low insurance rates – NY Daily News, used car insurance rates.

    #Used #car #insurance #rates


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    Best cars for low insurance rates: Chevrolet Corvette convertible tops list

    Used car insurance rates

    Insurance rates could be solidified on the assembly line. Insurance companies factor in safety and damage susceptibility when calculating rates.

    Speeding tickets, car accidents, age, and gender are all factored into the insurance rate calculator, and that’s a pretty well-known fact. But what about the type of car on the policy? Trends with car models can also affect insurance rates.

    While most insurers don’t make public their specific vehicle ratings or the information on which they base their calculations, it’s not difficult to make your own assessments. The main factors determining the cost of insuring a specific vehicle are damage susceptibility, safety ratings, and likelihood of theft.

    The first category – damage susceptibility – applies to the collision portion of insurance premiums. This is chiefly derived from the price of the car and damage susceptibility for the vehicle. This gets complicated as the two somewhat fight against each other- if the insured vehicle is large or expensive, it may do better in a crash yet the damages will be more costly to fix. If the car costs less to repair or replace, it may receive lower premiums depending on how it holds up in a collision.

    The Nation Highway Traffic Safety Administration (NHTSA) did a great study detailing how different cars do in this category. While the study only includes 2008-2010 models, it provides valuable, general insight if you are shopping for a new car. For example, the NHTSA study reveals that small and midsize station wagons do better than all other small and midsize models. Additionally, you can conclude from the report that sports and luxury models generally have much higher average losses. The study largely demonstrates that passenger vans, micro cars, pickups, and SUVs have the lowest average losses while luxury SUVs, large, and midsize cars have the highest losses.

    The likelihood of theft affects the comprehensive coverage feature of an insurance policy. Believe it or not, this isn’t simply a question of a car’s value. Some vehicles are stolen much more frequently than others because of their desired parts and weak anti-theft devices. The National Insurance Crime Bureau (NICB) offers a useful report identifying the most stolen vehicles in 2009. The top five:

    1. 1994 Honda Accord

    2. 1995 Honda Civic

    3. 1991 Toyota Camry

    4. 1997 Ford F-150 Pickup

    5. 2004 Dodge Ram Pickup

    All of that being said, the Insurance Institute for Highway Safely (IIHS) published a comprehensive study that declares the best and worst 07-09 models based on insurance losses. Topping the list were sports models- the Chevrolet Corvette convertible, Mazda MX-5 Miata convertible, Chevrolet Corvette, and the Volkswagen New Beetle convertible. The worst were the Mercedes S class 4dr LWB, Dodge Charger, Pontiac G5, Chevrolet Cobalt, and Kia Spectra. They maintain that “these insurance loss results generally are good predictors of the experience of current versions of the same vehicle models. But when automakers substantially redesign their passenger vehicles, the experience of an earlier model with the same name (but not same design) may not predict the experience of the newer design.”




    Inicio, Colegio Oficial de Veterinarios de Cantabria, colegio de abogados de vizcaya.

    #Colegio #de #abogados #de #vizcaya


    Colegio Oficial de Veterinarios de Cantabria

    Colegio de abogados de vizcaya

    SГЎbado y Domingo – CERRADO

    39009 Santander, Cantabria

    Colegio de abogados de vizcaya

    JORNADA ONLINE E-ColeVet – BRUCELOSIS EN RUMIANTES

    Objetivos:En esta jornada vamos a repasar cuales son las condiciones y estrategias necesarias para la implantación de un programa de control y erradicación de brucelosis en los rumiantes de acuerdo con las organizaciones internacionales.

    Colegio de abogados de vizcaya

    CONVENIO BIBLIOTECA UNIVERSIDAD DE CANTABRIA

    Desde la biblioteca de la Universidad de Cantabria nos recuerdan que los colegiados de nuestro colegio pueden usar sus recursos impresos en préstamo y los contenidos digitales contratados online insitu. Está a vuestra disposición.

    Colegio de abogados de vizcaya

    JORNADA ONLINE E-ColeVet INSPECCIГ“N POST-MORTEM: LESIONES ESPECIFICAS EN CAZA MAYOR Y MENOR

    Objetivos:Durante esta charla trataremos de realizar una descripción de las principales enfermedades zoonósicas y de carácter productivo que deben ser consideradas en la inspección de caza mayor y menor.En el primer caso d.

    VETERINARIOS

    Accede a la toda la informaciГіn de interГ©s para veterinarios desde aquГ­

    CIUDADANOS

    Accede a toda la informaciГіn de interГ©s para el ciudadano desde aquГ­

    RECETA ELECTRГ“NICA

    Sistema informГЎtico para la prescripciГіn, dispensaciГіn y uso del medicamento veterinario

    Colegio de abogados de vizcaya

    11 de enero de 2018

    5Вє Seminario ANEMBE de producciГіn de vacuno de carne.

    Detalles de EventoInicio: 16 febrero 2018Final: 17 febrero 2018Lugar de encuentro: Palacio de Congresos de CáceresCiudad: CáceresCategorías: Cursos Datos de mapas Términos de uso Informar de un error de Maps MapaSatélite Precios inscripciones Seminario:Antes del 28 de En.

    Colegio de abogados de vizcaya

    Colvetcampus: “TRASTORNOS RELACIONADOS CON LA SEPARACIГ“N EN EL PERRO.

    10 de enero de 2018

    Fecha: 18 de febrero al 10 de marzo de 2018.Inscripciones: www.colvetcampus.esPrecio: 42€.Ponente: Pablo Hernández Garzón. Descripción del curso:“Las alteraciones del comportamiento caracteriza.

    Colegio de abogados de vizcaya

    Calendario 2018 FundaciГіn SГ­ndrome Down Cantabria

    21 de diciembre de 2017

    La Fundación Síndrome de Down de Cantabria ha contado con la colaboración de doce colegios profesionales de la región para elaborar su calendario solidario de 2018. En el calendario creado para el año que viene.

    Colegio de abogados de vizcaya

    Convenio con la biblioteca de la Universidad de Cantabria

    21 de diciembre de 2017

    Desde la biblioteca de la Universidad de Cantabria nos recuerdan que los colegiados de nuestro colegio pueden usar sus recursos impresos en préstamo y los contenidos digitales contratados online insitu. Está a vuestra disposición.

    FORMACIГ“N Y EMPLEO

    Colvetcampus: “TRASTORNOS RELACIONADOS CON LA SEPARACIГ“N EN EL PERRO.

    01 de enero de 1970

    Jornada Online E-colevet “BRUCELOSIS EN RUMIANTES”

    01 de enero de 1970

    Jornada Online E-ColeVet “INSPECCIГ“N POST-MORTEM: LESIONES ESPECIFICAS EN CAZA MAYOR Y MENOR”

    14 de diciembre de 2017

    Jornada Online E-ColeVet “LEYES DE PROTECCIГ“N ANIMAL”

    16 de octubre de 2017

    Oferta de Empleo – ClГ­nica pequeГ±os animales en San Vicente de la Barquera

    11 de enero de 2018

    Busco veterinario para incorporación inmediata en clínica de pequeños animales en san Vicente de la Barquera.Información en la clínica de Pablo 942 71 00 41 Email: [email protected]

    Oferta de empleo – Veterinario clГ­nico equino Lugo

    26 de diciembre de 2017

    Oferta de empleo:Ofrecemos puesto de trabajo "veterinario clínico equino" en Lugo (Galicia) para sustitución temporal por baja laboral. Incorporación inmediata.Interesados enviar CV a [email protected]

    Oferta de Empleo – ClГ­nica Vizcaya

    14 de diciembre de 2017

    Se busca [email protected] para sustitución en clínica de pequeños animales en Barakaldo.Incorporación a mediados de diciembre.Interesados enviar curriculum a [email protected]

    Colegio de abogados de vizcayaColegio de abogados de vizcayaColegio de abogados de vizcayaColegio de abogados de vizcayaColegio de abogados de vizcayaColegio de abogados de vizcaya

    Calle Castilla, 39

    39009 Santander, Cantabria

    CONTACTA CON NOSOTROS

    TГ©rminos y condiciones

    “A los efectos previstos en la Ley OrgГЎnica 15/1999, de 13 de diciembre, sobre ProtecciГіn de Datos de CarГЎcter Personal, se le informa que los datos personales que nos facilita a travГ©s de este formulario se incorporarГЎn a un fichero de la entidad ILUSTRE COLEGIO OFICIAL VETERINARIO DE CANTABRIA, con la finalidad de dar respuesta a sus preguntas y sugerencias asГ­ como de mantenerle informado por cualquier medio (incluido el correo electrГіnico o sistema electrГіnico equivalente) de todas aquellas actividades, productos y servicios de nuestra entidad que estimamos pueden ser de su interГ©s salvo que marque la casilla habilitada a tal efecto. Ud. tiene derecho al acceso, rectificaciГіn, cancelaciГіn y oposiciГіn en los tГ©rminos previstos en la Ley, que podrГЎ ejercitar por escrito dirigido a: ILUSTRE COLEGIO OFICIAL VETERINARIO DE CANTABRIA., responsable del fichero, con domicilio en C/ CASTILLA, 39 – ENTLO. – 39009 SANTANDER CANTABRIA


    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, auto insurance companys.

    #Auto #insurance #companys


    Auto Insurance

    Get an auto insurance quote

    America’s finest agents, quote and buy online, great discounts, and award winning claims service.

    Why Farmers Auto Insurance is a Smart Choice

    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

    Car insurance with Farmers means:

    Control over your policy

    You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

    Personalized attention

    Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

    Insight and guidance

    Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

    Convenience

    Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

    Smart savings

    Our long list of auto insurance discounts saves you money on smarter coverage.

    24/7 protection

    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

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


    Cyber Monday 2017: promoción cybermonday Chile, Viajes Falabella, viajes a chile.

    #Viajes #a #chile


    Cyber Monday 2017

    Vuelos en oferta, descuentos en hoteles y paquetes

    ¡Cyber Monday ya finalizó!

    Si te perdiste el Cyber Monday 2017, ¡no te preocupes! porque en el 2X de Viajes Falabella encontrarás increíbles ofertas en vuelos, hoteles y paquetes para viajar todo el 2018.

    Condiciones generales de la promoción:

    – Nuestros precios incluyen impuestos y cargo por servicios.

    – Oferta válida para comprar entre el 6 y el 8 de noviembre de 2017.

    – Ofertas de paquetes son por persona en base habitación doble, y aplican para viajar entre el 15/11/2017 al 20/12/2017, y del 01/03/2018 al 30/06/2018 (revisa en cada destino su fecha de vigencia). Valores sujetos a stock de 05 cupos por destino. No aplica para viajar del 21 de diciembre de 2017 al 28 de febrero 2018, ni temporada alta (enero febrero), ni feriados y fines de semana largo, exceptuando el paquete de Cancún en Verano y Camboriú en Verano, que aplican para viajar del 24/01/2018 al 15/02/2018 y del 13/01/2018 al 04/02/2018 respectivamente.

    – Ofertas de vuelos son por persona teniendo como origen Santiago de Chile, y aplican para volar entre el 01/12/2017 y el 30/06/2018 (revisa en cada destino su fecha de vigencia). Valores sujetos a stock de 05 cupos por destino. No aplica para feriados ni fines de semana largo.

    – Ofertas de hoteles son por noche en base a habitación doble, y aplican para estadías entre el 01/12/2017 y el 30/06/2018 (revisa en cada destino su fecha de vigencia). Valores sujetos a stock de 05 cupos por destino. No aplica para feriados ni fines de semana largo.

    – Los precios en pesos están calculados al tipo de cambio de $644 al 08/11/2017.

    – Los precios publicados no aplican para feriados ni fines de semana largo.

    – Valores sujetos a cambios por alza en impuestos de combustible, tasas de embarque determinados por líneas aéreas, regulaciones tarifarias de los hoteles y/o autoridades gubernamentales. Los precios solo serán confirmados y garantizados al momento de la confirmación de la reserva. Los precios de vuelos y hoteles son válidos solo para compras realizadas en www.viajesfalabella.cl. Para compras a través de otros canales como sucursales o Contact Center, aplica un cargo de agencia.

    – CMR Puntos: válidos para compras en Viajes Falabella con Tarjeta CMR Falabella y/o canje de CMR Puntos. Monto en pesos debe ser pagado con tarjetas emitidas por Promotora CMR Falabella S.A. o Redcompra Banco Falabella. Canje de Puntos sujeto a términos y condiciones establecidas en el reglamento del programa CMR Puntos disponible en www.cmr.cl/web/cmr-falabella/home. Infórmese sobre Garantía Estatal de Depósitos en su Banco o www .sbif. cl. Oferta de exclusiva responsabilidad de Viajes Falabella Limitada. Al comprar con la tarjeta CMR Falabella en www.viajesfalabella.cl acumulas el doble de CMR Puntos que en otros comercios.

    Medio de pago de 6 cuotas sin interés es válida durante el Evento, y aplica pagando con tarjetas emitidas por Promotora CMR Falabella S.A. Solo para compras realizadas en www.viajesfalabella.cl. CAE de 0,00% – CAE calculado por un monto referencial de compra de $500.000 en 6 cuotas de $83.333 – Costo total del Crédito: $500.000. Operación no sujeta al Impuesto de Timbres y Estampillas.

    El pago con Tarjetas de Crédito puede tener costos asociados. Consultar al emisor para mayor información.

    Condiciones Gana 5.000 CMR Puntos:


    Acceptance Insurance, Non Owner Auto Insurance, non owner insurance policy.

    #Non #owner #insurance #policy


    Non-Owner Car Insurance – Get a Free Quote Online

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

    The Facts about Non Owner Insurance

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

    Who Should Consider Non Owner Insurance?

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

    How Much Does it Cost?

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


    Doctors and Physician Disability insurance, Compare Quotes, disability insurance for physician.

    #Disability #insurance #for #physician


    Get Affordable Disability Insurance

    • Compare Prices from Web’s Best Selection Disability Insurance Carriers
    • Plans Designed Specifically for the Needs of Physicians and Dentists
    • Free Assistance – Our Team has Helped 1,000’s of Medical Professionals
    • Best Prices Anywhere!

    Doctor Disability specializes in providing own occupation disability insurance to physicians and dentists. Whether you are an anesthesiologist, radiologist, emergency room physician, cardiologist or surgeon, you will find relevant information on the most respected, financially secure disability insurance companies in America.

    Our experienced agents work exclusively with doctors and dentists; we understand your busy schedule and desire to have the highest quality benefits available. We work with multiple insurance companies to create customized own-occupation disability insurance plans for members of the medical and dental community in all 50 states.

    Compare and Save

    Request quotes and get an objective, side-by-side comparison of the major insurance companies based on your unique situation. Important features and benefits of the policies are highlighted and presented in an objective, user-friendly format, saving you valuable time and money.

    Our goal is to simplify the insurance buying process to ensure you are getting the absolute best value in own occupation disability insurance benefits.

    No Complications

    You are provided with accurate, unbiased support so you can select the disability income insurance plan that is best for you. Your questions are promptly answered by specialists who understand the needs of physicians and dentists.

    Once you have selected your disability plan, applying through DoctorDisability is quick and easy! Have an application mailed/emailed/faxed to you for a quick turn around and let us take care of the paperwork and all communication with the insurance company. Our job is to make obtaining a policy as easy as possible by being available when you need us; in between patients, at night, whenever it’s convenient for you.

    Take Action Now!

    Nearly half of the one million Americans who filed for bankruptcy protection last year did so as the result of an unexpected injury or illness.

    According to the US Commerce Dept., nearly 1 in 5 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65 – the opportunity cost of lost wages is tremendous.

    A disability can strike anyone, at any time. In an instant, your income could drop significantly. Would you be ready if the unexpected happened? Protect your income by requesting a free quote comparison today!


    Die besten Filme auf DVD und Blu-ray, neuerscheinungen blu ray.

    #Neuerscheinungen #blu #ray


    Die besten Filme auf DVD und Blu-ray des vergangenen Monats > sortiert nach Leserwertung

    Bewertung basierend auf Mitglieder-Wertungen für DVDs mit mehr als 10 Wertungen, ohne andere Unterscheidung.

    • Neuerscheinungen blu rayAlle Medien
    • Neuerscheinungen blu rayBlu-Ray (12)
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    Neuerscheinungen blu ray

    Kriegsfilm – DVD-Veröffentlichungstermin: 19.12.2017

    Neuerscheinungen blu ray(4.6)

    Neuerscheinungen blu ray

    Mai 1940, der Zweite Weltkrieg tobt: Die Nazis haben die französische Hafenstadt Dünkirchen eingekesselt und für deren Bewohner und die 400.000 dort .

    • Neuerscheinungen blu ray Zum Trailer

    Erhältlich auf DVD ab 13.99 € Jetzt kaufen!

    Erhältlich auf Blu-Ray ab 12.00 € Jetzt kaufen!

    Neuerscheinungen blu ray

    Killer’s Bodyguard

    Komödie – DVD-Veröffentlichungstermin: 12.01.2018

    Neuerscheinungen blu ray(2.3)

    Neuerscheinungen blu ray

    Michael Bryce (Ryan Reynolds) ist der weltbeste Sicherheitsagent und Personenschützer und wird als solcher ausgerechnet dafür engagiert, den .

    • Neuerscheinungen blu ray Zum Trailer

    Erhältlich auf DVD ab 12.99 € Jetzt kaufen!

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    Atomic Blonde

    Action – DVD-Veröffentlichungstermin: 22.12.2017

    Neuerscheinungen blu ray(2.9)

    Neuerscheinungen blu ray

    Berlin, November 1989: Kurz vor dem Fall der Berliner Mauer wird ein MI6-Offizier tot aufgefunden. Er sollte Informationen einer geheimen Quelle auf .

    • Neuerscheinungen blu ray Zum Trailer

    Erhältlich auf DVD ab 8.95 € Jetzt kaufen!

    Erhältlich auf Blu-Ray ab 20.99 € Jetzt kaufen!

    Neuerscheinungen blu ray

    Barry Seal – Only In America

    Biografie – DVD-Veröffentlichungstermin: 11.01.2018

    Neuerscheinungen blu ray(3.6)

    Neuerscheinungen blu ray

    Der Pilot Barry Seal (Tom Cruise) nutzt in den 80er-Jahren seinen Flugschein, um mit Drogen- und Waffenschmuggel das große Geld zu machen. Einen .

    • Neuerscheinungen blu ray Zum Trailer

    Erhältlich auf DVD ab 11.04 € Jetzt kaufen!

    Erhältlich auf Blu-Ray ab 13.57 € Jetzt kaufen!

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    Der dunkle Turm

    Fantasy – DVD-Veröffentlichungstermin: 18.12.2017

    Neuerscheinungen blu ray(2.5)

    Neuerscheinungen blu ray

    Revolvermann Roland Deschain (Idris Elba) ist der Letzte seiner Art. Wie auch seine Sippe liegt die Heimat des wortkargen Einzelgängers im Sterben.

    • Neuerscheinungen blu ray Zum Trailer

    Erhältlich auf DVD ab 9.90 € Jetzt kaufen!

    Erhältlich auf Blu-Ray ab 11.99 € Jetzt kaufen!

    DVD & Blu-ray

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    Neuerscheinungen blu ray(3.5)

    Wenn man es wirklich will, dann schafft man es auch! Ganz nach dem Motto geht Mein Blind Date mit dem Leben ber die B hne. Die Story ist hierbei.

    Neuerscheinungen blu ray(2.5)

    Bedr ckendes Drama um fragile Beziehungen und entt uschte Hoffnungen. Dabei folgt Woody Allen den Figuren nicht nur in den gewohnt geschliffenen Dialo.

    Neuerscheinungen blu ray(0.5)

    So einen lahmarschigen, extrem schlecht gemachten und ebenso schlecht durchdachten Film habe ich schon lange nicht mehr gesehen. La la land ist mein.


    San Antonio Auto Insurance Quotes Texas –, cheap car insurance in san antonio tx.

    #Cheap #car #insurance #in #san #antonio #tx


    Get Insured

    Simply enter your details and get an instant insurance quote.

    AND CHANGE YOUR LIFE

    Car Insurance Quotes in San Antonio, TX

    Car Insurance is essential for everyone who owns a car in the United States. If you do not have one, you are in for having a huge bill even if there is a scratch on your car. Having car insurance basically means that you pay a little money now to ensure that you do not have to pay a lot later! Simple.

    Unfortunately, a lot of people are feeling burdened about paying monthly because they like the idea of risking everything to save a little money. Now, we know sometimes car insurance can be expensive compared to your household cash flow in. However, did you know you could save up to 70% off on monthly payments for your car insurance? Well, here is why you do not know.

    When picking out car insurance, it is important to research before actually going in the market and buying it. Car insurance in San Antonio can go as low as half of what you are paying at the moment. This is the gap our portal wishes to fulfil for those interested in cheap car insurance in San Antonio. To be able to get the best results, all you are required to do is put in your San Antonio zip code which will lead you to a car insurance form in San Antonio and upon filling that out, you will be led to the perfect comparison between multiple cheap Auto Insurance San Antonio tx options!

    San Antonio Auto insurance laws permission that you bear a smallest amount of legal responsibility coverage restrictions on your vehicle. While buying just the least amount of coverage means you are getting the cheapest auto insurance in San Antonio, TX, you are only sheltered for damage you do to other drivers “cars and for others” injuries. That means your insurer won’t compensate for damage to your car or for your injuries if you reason a mishap.

    Many different types of Auto insurance are necessary to drive in Texas. Here we give details on minimum car insurance requirements, how to buy the best coverage for your wants and how San Antonio laws work. You can also get out what the cheap car insurance San Antonio will cost compared to full coverage, what the standard rates are in your area and how to get car insurance discounts.

    HOW TO FIND CHEAP CAR INSURANCE QUOTES IN TEXAS?


    Home Design Apps Let You Experiment With Colors and Décor – The New York Times, interior design new york.

    #Interior #design #new #york


    Rearranging the Furniture, Minus the Aching Back

    If you’ve ever sat on your couch and wondered how it would look across the room, or whether the walls would look good in red, that was your inner interior designer speaking. Now apps offer a quick and powerful way to indulge your home design fantasies.

    Home Design 3D ($7 on iOS) is one of the better ones. It turns a two-dimensional view of your home into a three-dimensional graphic that you can view from any angle and even walk around as if inside. It is so sophisticated you could use it as a starting point for designing a house, rather than just tweaking your interior design.

    You start in two-dimensional construction mode, adding rooms and adjusting their size and shape to match your place. You can add measurements and drop in items from a database, like a water fountain or a grand piano. There’s a host of options for doorways, windows and other openings, and you can choose to color walls or floors with textures that look like wallpaper, carpet or wood or simply a uniform color.

    When your design is done, you click on the 3-D button to turn it into a 3-D version. While the app tries to be as intuitive as possible, with clear icons for control and some attractively designed screens, it has a steep learning curve. The fact that you have to pay for access to some textures and pieces of furniture might also frustrate you.

    Build App Pro is a similar Android app that costs $6. The app also has a plan-view design mode that lets you set out the layout of rooms and furniture items, plus a 3-D graphical view. Like Home Design 3D, the app tries to make design simple — it uses icon-driven menus and easy-to-learn gestures.

    But it has a small number of 3-D furniture models and a tendency to crash.

    A far simpler app is Houzz Interior Design Ideas, free on Android and iOS, which will probably be more useful in the early stages of any redesign plans. The app’s main feature is an extensive catalog of photos, listed by categories like Family Room, Wine Cellar and Exterior. Tap on a category, select a subcategory like Modern or Tropical and scroll through the photos. You can bookmark designs you like in your own idea book, or export them to Twitter or through e-mail. The app also has lists of products for sale and professionals who can help you realize your design.

    If you’re just thinking about changing the color of your furniture or walls, there are many apps to help. The best-known color matching system is Pantone, and it has an official MyPantone app for iOS.

    The app’s main feature is a representation of the famous Pantone color swatches. Scroll through the rainbow of options by dragging and then tapping on a color you like. This brings up a new page of data on that color, including its official Pantone code number and a tab for “harmonies.” This tab takes you to a graphical display of colors that complement your initial choice. If you are inspired by a color you see in real life, you can snap a photo of it and have the app recommend the closest Pantone color. You can save your favorite colors for a visit to a store to find matching paint. The downside is that the app costs a steep $10.


    BBVA vende el 80% de su negocio inmobiliario por millones al fondo estadounidense Cerberus, Economнa, EL MUNDO, se vende negocio.

    #Se #vende #negocio


    BBVA vende el 80% de su negocio inmobiliario por 4.000 millones al fondo estadounidense Cerberus

    BBVA avanza en su objetivo de reducir la exposiciуn al inmueble y ha confirmado este miйrcoles la venta de un 80% de su negocio inmobiliario a una filial del fondo estadounidense Cerberus Capital Management (Cerberus) por un importe cercano a los 4.000 millones de euros, segъn explica en una nota remitida por la entidad.

    El negocio inmobiliario contemplado en el acuerdo estб compuesto por unos 78.000 activos inmobiliarios con un valor bruto contable de aproximadamente 13.000 millones de euros, y los activos y empleados necesarios para la gestiуn de este negocio. Se ha valorado el conjunto del negocio en aproximadamente 5.000 millones de euros, de ahн que el precio final para el 80% estarб determinado por el volumen de activos finalmente aportados, que puede variar, entre otras razones, por las ventas realizadas hasta el cierre.

    “Esta operaciуn es sumamente importante porque reduce de manera muy significativa nuestra exposiciуn a una actividad ajena a nuestro negocio principal y nos permite reforzar nuestro proceso de transformaciуn”, asegura al respecto Carlos Torres Vila, consejero delegado de BBVA

    El proyecto pasa por la creaciуn de una sociedad conjunta de negocio inmobiliario en Espaсa que, segъn BBVA, pretende “aprovechar” la experiencia de su socio “en gestiуn y comercializaciуn de activos inmobiliarios” y permitirб a ambos beneficiarse del buen momento que vive el sector en nuestro paнs.

    Los activos inmobiliarios estбn repartidos principalmente entre Cataluсa, Madrid y Valencia. La transacciуn incluye tambiйn un acuerdo entre BBVA y la sociedad del grupo Cerberus Haya Real Estate para que йsta preste servicios de servicing inmobiliario de la cartera de inmuebles de la que BBVA sea titular una vez se haya cerrado la operaciуn.

    El acuerdo con Cerberus, en palabras del banco, es una “oportunidad” para aprovechar la experiencia de un socio industrial experto en la gestiуn y la comercializaciуn de activos inmobiliarios y para beneficiarse de las buenas perspectivas de la economнa espaсola.

    BBVA apunta tambiйn que el impacto en sus cuentas de resultados no serб significativo, mientras que en el ratio CET1 fully loaded serб ligeramente positivo.


    Cheapest Harley Davidson Motorcycle Insurance, Lowest DUI and SR22 Motorcycle Insurance, cheap motorcycle insurance in california.

    #Cheap #motorcycle #insurance #in #california


    Cheapest Harley Davidson Motorcycle Insurance!

    Call Now! 800.269.2919

    Motorcycle Insurance coverage is mandatory in California, Arizona and Nevada which are the areas we service. So if you are a resident of these states and are enjoying the open highways and byways on your motorcycle be sure you have insurance coverage.

    Motorcycle Insurance for performance bikes like Harley Davison motorcyles is similar to auto insurance coverage. Riding your motorcycle in these states requires that you minimally have liability coverage. Liability insurance covers other people injured in an accident, but it doesn t cover your own injuries. Look into the wide range of coverage options, including comprehensive and collision coverage.

    Comprehensive insurance covers your motorcycle for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your motorcycle if it is stolen; or damaged by flood, fire, or animals. It pays to fix your motorcycle minus your deductible.

    Collision insurance covers damage to your motorcycle when your motorcycle hits, or is hit by, another vehicle, or some other object. This coverage pays to fix your motorcycle minus the deductible you choose. Coverage is normally limited to the cash value of your motorcycle.

    Comprehensive and collision insurance coverage are not required by a state, but your lender may require them. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.

    Here s the minimum liability coverage California requires:

    • $15,000 for injury/death to one person
    • $30,000 for injury/death to more than one person
    • $5,000 for damage to property

    Although the Arizona and Nevada both require liability insurance only, many motorcycle riders still prefer to get comprehensive and collision coverage which better protects you and your family from financial risks.

    The required minimum amounts of liability coverage are:

    • $15,000 bodily injury coverage for one person in one accident
    • $30,000 bodily injury coverage total per accident
    • $10,000 property damage coverage per accident

    In Nevada even if you do not use your motorcycle, if you register it you must also insure it throughout the entire registration period.

    We can find the companies and the policies that make sure you and your Harley Davidson Motorcycle have insurance coverage that fits your needs at a rate that is going to save you money.

    Once we identify the coverage that best fits your needs, we will shop for the best and most affordable policies.


    Camera di Commercio di Genova, Home Page, ricerca camera di commercio.

    #Ricerca #camera #di #commercio


    Camera di Commercio di Genova | Home Page

    Menщ di navigazione rapida

    venerdì 20 aprile 2018

    RICERCA

    Primo Piano

    Fino al 20 aprile – Presentazione domande di partecipazione ai concorsi collaterali a Euroflora 2018

    Euroflora torna a Genova in un’edizione eccezionale realizzata nella splendida cornice dei Parchi di Nervi.

    Per favorire la partecipazione e il coinvolgimento delle attività commerciali in una gara a chi meglio contribuisce a questo progetto, Camera di Commercio, Comune di Genova, Città Metropolitana di Genova, Euroflora2018, le Associazioni provinciali di Ascom Confcommercio, Confesercenti, CNA e Confartigianato, in collaborazione con l’Associazione Amici della Lanterna, indicono due concorsi.

    Il primo, “Civ in fiore”, è indirizzato ai Centri integrati di via del comune di Genova che vorranno promuovere eventi o realizzare allestimenti a tema floreale, mentre il secondo – “Città in fiore” – è rivolto ai commercianti e agli artigiani del territorio della città metropolitana di Genova che vorranno addobbare le proprie vetrine.

    Scheda di partecipazione al concorso “Città in fiore” (.doc .pdf)

    Crescere in digitale

    Mappatura negozi e ristoranti

    Certificati e visure in lingua inglese

    Punto Impresa Digitale

    Sportello reti impresa

    Artigiani in Liguria

    Genova Gourmet – Liguria

    Botteghe storiche di Genova

    FLAG – Flag Levante Ligure

    Dal 23 gennaio – Bando per finanziamento alle piccole medie imprese turistiche: strutture ricettive all’aria aperta (. )

    La Giunta Regionale ha approvato con deliberazione n.9 27 del 17 novembre 2017 l’avviso di finanziamento destinato alle strutture ricettive all’aria aperta (campeggi, villaggi turistici e parchi per vacanze).

    Dal 5 febbraio – Voucher a favore delle imprese che ospitano studenti in alternanza scuola-lavoro (. )

    La Camera di commercio di Genova mette a disposizione 50.000,00 euro di fondi per le micro, piccole e medie imprese (MPMI) della provincia di Genova per incentivare l’inserimento di giovani studenti in percorsi di alternanza scuola-lavoro e contribuire allo sviluppo del sistema economico locale.

    Dal 4 aprile riaprono i voucher per la digitalizzazione delle imprese per i servizi di formazione e consulenza (. )

    Al via la seconda tranche di finanziamenti erogati dalla Camera di Commercio di Genova per le micro, piccole e medie imprese (MPMI) dell’Area Metropolitana di Genova per finanziare servizi di formazione e consulenza finalizzati all’introduzione di tecnologie collegate al Piano Impresa 4.0: 180mila euro di fondi, domande a partire dal 4 aprile fino al 1 ottobre 2018 (o fino ad esaurimento fondi).

    27 aprile – Termine ultimo per la presentazione delle domande di ammissione alla sessione di esami per l’abilitazione all’attivitа di Agente di affari in mediazione della provincia di Genova

    Per la presentazione delle domande e per ogni altra informazione gli uffici camerali sono aperti con il seguente orario:

    dal lunedì al venerdì, dalle 8.30 alle 11.45

    Via Garibaldi, 4 – piano ammezzato

    Tel. 010 2704.310/.304/.226

    30 aprile – Termine ultimo presentazione MUD 2018 (. )

    Il Modello unico di dichiarazione ambientale – MUD 2018, riferito all’anno 2017, deve essere presentato entro il 30 aprile 2018.

    30 aprile – Manifestazione di interesse per servizio di cassa della Camera di Commercio e delle Aziende Speciali aderenti

    La Camera di Commercio di Genova intende espletare un’indagine di mercato per acquisire manifestazioni d’interessealla partecipazione alla procedura negoziata per l’affidamento del servizio di cassa dell’Ente e delle sue Aziende Speciali aderenti per il periodo 1° ottobre 2018 – 30 settembre 2021.

    Fino al 20 aprile – Presentazione delle candidature alla seconda sessione del Premio “Storie di alternanza” per studenti di Licei e Istituti tecnici e professionali (. )

    Dopo il grande successo della prima sessione che si è svolta nel 2017 e ha visto Genova primeggiare per numero di filmati in concorso, dal 1° febbraio è ripartita l’iniziativa promossa da Unioncamere Nazionale e Camere di Commercio italiane per valorizzare e dare visibilità ai racconti dei progetti di Alternanza Scuola-Lavoro ideati, elaborati e realizzati dagli studenti e dai tutor degli Istituti scolastici italiani di secondo grado.

    Dal 7 maggio – AperiPID, caffи e aperitivi digitali per avvicinarsi alle tecnologie abilitanti (. )

    I nuovi strumenti per la digitalizzazione del lavoro e dei processi sono ormai realtà in molte grandi aziende ma per tante micro e piccole imprese sono ancora un mistero: stampa 3d, soluzioni cloud, strumenti dell’Internet of Things (Iot) ecc. offrono grandi possibilità di innovazione con basso budget a tutte le tipologie di attività.

    Fino al 25 maggio – Aperto il bando per la formazione nel settore turistico (…)

    Il bando permette di presentare progetti formativi e domanda di accesso ai finanziamenti agli enti di formazione accreditati e le associazioni temporanee di impresa che comprendano almeno anche un organismo formativo accreditato.


    SGB-FSS, Schweizerischer Gehörlosenbund, sms spende.

    #Sms #spende


    Wir sind Experten

    Sms spende

    Sms spende

    Sms spende

    Kultur

    Wer die Gebärdensprache verstehen will, muss gehörlose Menschen verstehen. Als sprachliche Minderheit pflegen sie ihre Gemeinschaft und eine eigene Kultur – die sie gerne teilen.

    Sms spende

    Gebärdensprache

    Die Gebärdensprache ist ein Geschenk der Kultur der Gehörlosen für alle Menschen. Sie steht jedem offen, der bereit ist, die Welt auf andere Art zu sehen und dieses Erlebnis zu teilen.

    Sms spende

    Für Kinder

    Die Plattform E-Kids ist Lernspass für die Kleinsten. Mit Geschichten und Rätseln in Gebärdensprache entdecken hörbehinderte Kinder die Welt. Ein Abenteuer für die ganze Familie!

    Sms spende

    Lexikon

    Was heisst «Lexikon» in Gebärdensprache? Schlagen Sie den Begriff ganz einfach nach im grossen, kostenlosen Online-Lexikon des Schweizerischen Gehörlosenbundes!

    Sms spende

    Gehörlos sein

    Wo gehen gehörlose Kinder zur Schule? Bekommen Gehörlose eine IV-Rente? Kann man Gehörlosigkeit behandeln? – Hier erfahren Sie, was es für den Alltag bedeutet, gehörlos zu sein.

    Sms spende

    Resilienz

    «Resilienz – das unentdeckte Kapital der Gebärdensprache.» Ein Rückblick auf den 3. Internationalen Bildungskongress in Bern am 1. und 2. Juli 2016.

    Wir sind für Sie da

    Unser Angebot

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    Anmelde-Plattform

    Die Anmelde-Plattform bietet eine Übersicht aller aktuellen Gebärdensprach-Kurse, regionalen Angebote und Verbandsanlässe. Hier können Sie sich direkt online anmelden!

    Sms spende

    Frühförderung

    Wer bilingual aufwächst, kann mehr. Die Gebärdensprache fördert vom ersten Tag an die Sprachentwicklung hörbehinderter Kinder und erleichtert den Zugang zur gesprochenen Sprache.

    Sms spende

    Weiterbildung

    Mit massgeschneiderten Weiterbildungen verbessern Menschen mit einer Hörbehinderung ihre beruflichen Chancen. Der Schweizerische Gehörlosenbund unterstützt sie dabei.

    Sms spende

    Rechtsdienst

    Der Rechtsdienst unterstützt die politische Arbeit des Schweizerischen Gehörlosenbundes und berät Menschen mit einer Hörbehinderung in juristischen Fragen.

    Sms spende

    Usher-Infostelle

    Das Usher-Syndrom ist eine Hörsehbehinderung. Betroffene und Angehörige finden In der Usher-Infostelle Unterstützung, um mit dieser doppelten Einschränkung umzugehen.

    Sms spende

    Café des Signes

    In unserem Pop-up-Bistro vermitteln gehörlose Serviceangestellte den Gästen charmant die Grundlagen der Gebärdensprache und geben einen Einblick in die Kultur der Gehörlosen.

    Wir haben Ziele

    Unsere Positionen

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    Zugang

    Menschen mit einer Hörbehinderung wirken mit gleichen Rechten, Chancen und Pflichten an der Zukunft der Gesellschaft mit und sind vollwertige Mitglieder der Gesellschaft.

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    Bildung

    Menschen mit einer Hörbehinderung profitieren von einer auf ihre Bedürfnisse angepassten qualitativ hochstehenden Bildung und haben das Recht auf lebenslanges Lernen.

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    Arbeit

    Menschen mit einer Hörbehinderung nehmen gleichberechtigt am Arbeitsmarkt teil, stellen ihr Potenzial der Gesellschaft zur Verfügung und tragen zum Wohlstand der Schweiz bei.

    Sms spende

    Sprache und Kultur

    Die Gebärdensprachen und die Kultur der gehörlosen Menschen sind als Teil und Bereicherung der gesellschaftlichen Vielfalt anerkannt, durch Bilingualität und Bikulturalität.

    2017: Gehörlose Menschen weiterhin diskriminiert

    Gehörlosenbund im Interview gegen “No Billag”

    Wir leben Bilingualität

    Der Schlüssel zur Gleichstellung

    Sms spende

    Sms spende

    «Wir müssen sicherstellen, dass Menschen mit Hörbehinderung ihre Rechte effektiv ausüben und durchsetzen können.»

    Dr. Tatjana Binggeli, Präsidentin SGB-FSS

    Wir brauchen Unterstützung

    Ihre Spende bewegt

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    Jetzt spenden!

    Unterstützen Sie die Arbeit des Gehörlosenbundes mit einer Spende.

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    Fördermitglied werden

    Mit einem regelmässigen Beitrag ermöglichen Sie nachhaltige Projekte für gehörlose Menschen in der Schweiz.

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    Ihre Patenschaft

    Mit der Patenschaft «Family-Package» unterstützen Sie gezielt Familien mit einem gehörlosen Kind.

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    Trauerspende

    Eine Spende im Gedenken an die verstorbene Person ist eine schöne Geste der Trauer.

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    Spendenaktion

    Starten Sie mit Freunden oder Arbeitskollegen eine Spendenaktion!

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    Vererben

    Tragen Sie auch über das Leben hinaus dazu bei, dass gehörlose Menschen die nötige Unterstützung erhalten.

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    Spendenmagazin

    Erfahren Sie, wie Ihre Spende gehörlose Menschen im Alltag, in der Bildung und im Beruf unterstützt!

    Wir sind in den Regionen

    Unser Angebot in Deiner Nähe

    Wähle Deine Region

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    Gleiche Rechte und Chancen für Menschen mit Hörbehinderung.

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    Telefon 044 315 50 40

    Unsere Mission

    Der Dachverband Schweizerischer Gehörlosenbund SGB-FSS setzt sich mit seinen Mitgliedern und Partnerorganisationen dafür ein, dass Zugangsbarrieren in Bildung, Arbeit, Gesundheit, Politik, Kultur und Gesellschaft abgebaut und die Rechte der Menschen mit einer Hörbehinderung konsequent und nachhaltig umgesetzt werden.

    Folgen Sie uns

    Newsletter

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    IBAN: CH93 0900 0000 8002 6467 1

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    PROGETTO ONLINE, PROGETTARE CUCINE COMPONIBILI E IN MURATURA, DESIGN IN 3D, componibili cucina.

    #Componibili #cucina


    Componibili cucina

    PROGETTARE CUCINA E’ LA NOSTRA PASSIONE

    PROGETTARE CASA E’ LA NOSTRA MISSIONE

    QUESTO SERVIZIO DI PROGETTAZIONE CUCINE E CONSULENZA ONLINE VUOLE OFFRIRE UN PROGETTO DI ARREDAMENTO E DESIGN COMPLETO, A TUTTI COLORO CHE HANNO NECESSITA’ DI;

    RIVEDERE LA PROPRIA ABITAZIONE PARZIALMENTE O TOTALMENTE RISTRUTTURATA,

    A COLORO CHE SONO IN PROCINTO DI ACQUISTO DI UN APPARTAMENTO E INTENDONO VERIFICARNE LE FATTIBILITA’ E LA CONVENZIA PRIMA DEL ROGITO,

    A CHI SI TROVA ALLA SUA PRIMA ABITAZIONE E INTENDE OTTENERE UNA CASA DI QUALITA’ A COSTI BASSI.

    E CHI VUOLE SEMPLICEMENTE RI_ARREDARE LA PROPRIA CASA.

    PROGETTARE CUCINA COMPONIBILE E IN MURATURA,DESIGN IN 3D, PROGETTO ONLINE

    PAGINA DEDICATA ALLE ELABORAZIONI GRAFICHE DEL PROGETTARE CUCINA ONLINE, PER UN AMBIENTE CUCINA MODERNA.

    PROGETTARE CUCINE IN MURATURA E COMPONIBILE REALIZZATE ONLINE. VEDI PREZZI CUCINE.

    PROGETTO ON LINE TRIDIMENSIONALE RENDERING DI CUCINA COMPONIBILE DI BUON DESIGN- LA TECNOLOGIA DEL TERZO MILLENNIO METTE A DISPOSIZIONE MEZZI SEMPRE PIU’ SOFISTICATI PER L’ELABORAZIONE GRAFICA COMPUTERIZZATA, DOVE IL RISULTATO FINALE DI UNA PROGETTAZIONE SFIORA E A VOLTE EGUAGLIA LA REALTA’ ESATTAMENTE COME PER UNA FOTO D’AUTORE, DOVE IL PROGETTISTA MIGLIORA AD ELABORAZIONE AVVENUTA L’IMMAGINE DI PROGETTO PRODOTTA-

    IMMAGINI RENDERING DI UN PROGETTO ONLINE NELLO SPECIFICO CUCINA IN MURATURA E COMPONIBILE VEDI PREZZO CUCINA-

    PROGETTAZIONE CUCINA,IL NOSTRO STUDIO PUR UTILIZZANDO MEZZI E SOFTWARE OTTIMALI, PER SCELTA NON VUOLE CREARE PROGETTI CHE COME RISULTATO FINALE SIANO FOTOGRAFIE, MA PREFERIAMO EVIDENZIARE IL CARATTERE PROGETTUALE FINO AD ELABORAZIONE AVVENUTA, CONSERVANDO QUEL CARATTERE TIPICO CHE SOLO IL DISEGNATORE PUO’ CREARE, PERTANTO I NOSTRI DISEGNI NON SARANNO MAI ESTREMI, CONSERVANDO COSI QUEL CALORE PROGETTUALE RICHIESTO-

    LE CUCINE IN MURATURA NON NECESSARIAMENTE DEVONO ESSERE RIVESTITE IN PIASTRELLE O PIETRA E/O MARMO, MA CON UNA BUONA RIFINITURA DI INTONACO, E UNA CAMICIA DI STUCCO BEN FATTO, SI COLORERANNO ANCHE CON VERNICI ALL’ACQUA DAI COLORI TENUI O BRILLANTI, IL RISULTATO FINALE SARA’ GRADEVOLE INNOVATIVO, E DARA’ LA POSSIBILITA’ DI POTER CAMBIARE COLORE E RIFINITURA SVARIATE VOLTE-

    -PROGETTO CUCINE ONLINE – COMPONIBILE DI SERIE

    -PROGETTO CUCINE ONLINE, IN MURATURA COLORATE A SMALTO ALL’ACQUA

    STUDIO DI PROGETTO CUCINE COMPONIBILI ON-LINE

    progetto cucine online UNA ELABORAZIONE GRAFICA COMPONIBILE

    inizio progetto cucina in muratura snack in legno

    PROGETTARE CUCINA IN MURATURA ON-LINE

    -PROGETTARE CUCINA DOPO LA RISTRUTTURAZIONE.

    STUDIO DI CUCINE COMPONIBILI E IN MURATURA ON-LINE

    particolare vela in cartongesso (decorativa con incasso faretti)

    ELABORAZIONE CUCINE ON-LINE

    fase di studio progetto snack (elaborazione bozze)

    naturalmente questa fase ha preceduto gli elaborati sopra descritti, abbiamo volutamente inserito delle bozze di studio, per appagare la curiosita’ di molti utenti profani nella elaborazione grafica ON-LINE, chiaramente rappresentano solo una piccola parte del lavoro svolto

    PROGETTO CUCINE ON-LINE COMPONIBILI E IN MURATURA E’ UNA CONSULENZA OFFERTA DA STUDIO CORREALE & CO.


    Visura Camerale, Visura Camerale Gratis, visura camerale.

    #Visura #camerale


    Visura Camerale

    La visura camerale ( detta anche visura della Camera di Commercio o anche visura CCIAA,) è un documento

    che contiene i principali dati legali, amministrativi, anagrafici e fiscali di una società o ditta iscritta al Registro delle Imprese e tenuto presso la Camera di Commercio.

    Tra le sue principali utilità oltre a determinare i confini& delle attività che una determinata società può effettuare serve per avere informazioni su possibili clienti, nuovi fornitori o partner commerciali, il nuovo conduttore di una locazione in modo da valutarne la solidità economica e finanziaria& e capire quindi se è il caso di intraprendere una relazione commerciale.

    Essendo dati pubblici, chiunque fosse interessato può richiedere tale documento presso l’ente camerale territorialmente competente. Pur non essendo un documento ufficiale, lo stesso è molto importante per poter acquisire tutte le informazioni fondamentali su un’azienda, e migliorare così la conoscenza di un eventuale cliente o collaboratore.

    Che tipi di Visure camerali esistono?

    Le visure camerali sono numerose, e possono essere richieste per ottenere informazioni generali o specifiche. Le forme fondamentali di visura camerale sono riassumibili nel seguente elenco:

    Visura camerale ordinaria: è una visura in grado di riportare tutte le principali informazioni economiche e amministrative di una società. Attraverso tale documento è quindi possibile conoscere codice fiscale e partita IVA della società, la sua forma giuridica, la data di costituzione e di avvio dell’attività, la tipologia di attività (oggetto sociale), chi sono gli amministratori e i soci, gli organi sociali, la sede legale, amministrativa e quelle operative, e così via. Si tratta quindi di un documento molto importante per comprendere quali siano i rappresentanti societari e, inoltre, se vi siano delle notizie di particolare importanza, segnalati in Conservatoria, e non solo (ad esempio, dei sequestri o dei pignoramenti legali).

    Visura camerale storica: è una visura più completa rispetto alla visura camerale ordinaria. Oltre a comprendere tutti i dati già previsti dalla visura ordinaria, infatti, la visura storica include informazioni “storiche” sull’azienda, relativa agli atti, denunce o richieste iscritte o depositate precedentemente nel Registro delle Imprese. L’utilità di questo documento amplia pertanto quello della visura camerale ordinaria, “fotografando” lo stato dell’impresa nel tempo.

    Altre visure camerali

    Come anticipato, le visure camerali non si esauriscono con il breve elenco di cui sopra (pur rappresentativo delle principali tipologie di visura). Risulta infatti possibile domandare ulteriori visure, specifiche e dettagliate su specifici argomenti.

    Tra le tante, ricordiamo la possibilità di ottenere la visura degli assetti proprietari (che riporta l’elenco dei soci e il trasferimento di quote sociali, e che pertanto ci permette di comprendere a chi sia riconducibile una società, e quali siano state le modifiche intervenute nel tempo) o ancora la visura di deposito (che invece riporta l’avvenuto deposito degli atti, dei moduli di iscrizione e dei moduli di denuncia presentati e protocollati presso il Registro delle Imprese, e ci informa sui principali atti compiuti dalla società).


    Milwaukee Personal Injury Attorneys

    #milwaukee #injury #lawyer


    Aiken & Scoptur

    Standing with our community

    At Aiken & Scoptur, S.C. we believe in giving back to our community and supporting groups on a state and nationwide level. We are dedicated to organizations that are invested in enrichment.
    We proudly support:

    Meet our attorneys

    Our five trial lawyers have 90 years of cumulative legal experience, which allows us to provide effective representation in every area of personal injury law.

    Dear Paul, Thank you for all the work you performed on my case. It was a pleasure to work with you. Rest assured that if I ever need an attorney again you will be the ONE CALL because I know YOU MEAN BUSINESS, even if you don’t advertise on television! I would recommend you to anybody whom I know! Thank you again. Sincerely,

    I would like to express my sincere appreciation and complete satisfaction with Paul Scoptur and Tim Aiken for the way they handled my case involving medical malpractice. A personal friend and attorney introduced me to Paul after I suffered a near-death experience as a result of a failed medical treatment/procedure at a local hospital. Paul and Tim did an outstanding job in achieving a fair and equitable settlement while avoiding, what could have been, a long and costly litigation process. I appreciate their dedication and professionalism. I would recommend them to anyone in need of a personal injury law firm.

    I want to express my sincere appreciation for taking my case. I was amazed at the extent of preparation you did to “leave no stone unturned” in building a solid case for me. I am sure that was responsible for the defense’s wish to finally settle, and the successful outcome today was due to your preparation, expertise and tenacity. I am extremely happy with the result and am so appreciative of all you did for me. You are the best! Thank you, thank you, thank you.

    Dear Paul,
    Thank you so much for taking my case. You were very well prepared in every way and your efforts resulted in a settlement that was very nice. I’m sure your knowledge and expertise in obtaining expert witnesses was a great help in settling this case out of court. You were professional, knowledgeable and very pleasant to work with. I would not hesitate to recommend you to my family and friends if they are ever in the need of counsel.
    Thank you so much for all of your help.

    Paul Scoptur is among the elite of the trial consultants and focus group facilitators with whom I have been able to consult on the preparation and handling of my cases. I have been involved with AAJ / NCA courses for fifteen years and have been impressed with Paul for his ability to see the landmines and holes in my cases where I previously thought none existed. Because of Paul and his consulting with me on three of my cases, I have been able to successfully conclude them. As I told Paul, I only bring him the difficult ones. I would be very happy to recommend Paul to anyone who needs a focus group facilitator or a trial consultant. He is among the best.

    William H. “Bill” Goforth
    Goforth & Lilley, PLC
    109 Stewart Street
    Lafayette, Louisiana 70501

    Hi Tim,
    I cannot thank you enough for everything you have done for me and the kids! I am SO thankful that you were sought out, and that you decided to take on our case. You truly where such an integral part of this unbelievable outcome! There were many times when I you were speaking that I thought, you are so smart, articulate and I was thankful that you where apart of all of this. You totally reminded my Mom and I of good ole’ Peter Falk in Columbo. I have to say I already feel a huge sense of relief for my future I also feel like everything has been on hold until this trial took place, so I feel like I’ll be able to move forward in a new way. So many thoughts and ideas keep popping into my head, it’s crazy and exciting (yet I never forget for a second how I got here.
    From the bottom of my heart. thank you again!

    Dear Paul
    ” Our very sincere and heartfelt thanks for your diligent and deft handling of the case and for your understanding and empathy. Hope our paths cross again in happier circumstances. “


    Florida Long Term Rehab

    #rehab #facilities #in #florida


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    Florida Long Term Rehab

    The distractions of everyday life and old habits can very quickly derail patients’ recovery efforts and cause them to relapse. Many patients require more than the traditional 30-day stay in a rehab facility. Long-term rehab provides patients with an opportunity to immerse themselves in their recovery and pursue mental health with direct focus and no outside interference. Behavioral Health of the Palm Beaches offers comprehensive Florida long-term rehab in which patients are given ample time to emotionally and physically heal and readjust to a life without drugs or alcohol.

    Those who have not had success in more abbreviated programs and are looking to break the pattern of relapse and withdrawal once and for all will especially benefit from our long-term programs

    The process allows for a total transformation in which patients:

    • Give their bodies the opportunity to revert back to normal function after expelling the toxins that have built up over the course of their addiction
    • Realign their perception of addiction and their toxic relationship with drugs and alcohol
    • Examine the causes of their initial substance abuse and work toward constructively managing stress and factors that may have contributed to their addictions
    • Develop new and healthier habits that will be a provide a solid foundation for post-treatment living, continued recovery, and positive interaction with their family and the rest of the world

    Too many patients have felt the sting of a false start in their quest for recovery. Long-term rehab lays the groundwork for permanent healing through lifestyle change and behavioral modification.

    Our Specialized Approach to Florida Long-Term Rehab

    Above all, we realize that each patient heals differently and that recovery takes time. We’ve developed a personalized course of care for each patient that will focus on their specific needs, circumstances, and conditions. Our tailored approach to rehab combines individual and group counseling with a customized menu of specialized therapeutic activities, and allows patients to heal as individuals, not just addicts.

    In addition to providing quality care using the 12-step process, part of our approach involves giving patients the time and support they need to make the significant life changes and re-learn the skills that will allow them to overcome their addictions and safely return to their lives.

    An Ideal Location for Healing

    Florida’s inviting climate and beautiful atmosphere have long made it a preferred destination for individuals looking to recover from drugs and alcohol. We’ve taken Florida long-term rehab a step further by building a treatment program unlike any other in the region. Our complete continuum of care ensures that patients always have an experienced and compassionate advocate on their journey of recovery, and a warm, relaxing, and safe environment during their healing process, no matter how long it may take.

    Behavioral Health of the Palm Beaches offers a long-term program designed to provide an extra level of care and treatment. Relapse is one of the most difficult stages of recovery, but is often preceded by a person not receiving an adequate level care before being released from treatment. Our program gives patients as much time as they need to be strong in recovery.

    If you’re ready to change you or your loved one’s life, contact us at (888) 432-2467 to get started today!


    Houston mesothelioma attorney

    #houston #mesothelioma #attorney


    Pulaski Law Firm, P.L.L.C.

    Adam Pulaski

    Partner – Attorney at Law

    Adam was born in Houston, Texas, and was admitted to the Bar in 1991.

    Practice Areas

    Personal Injury, Asbestos-Related Litigation, Toxic Torts, Environmental Torts, Pharmaceutical & Medical Device Litigation, Securities Litigation and Consumer Fraud, Medical Malpractice.

    Education

    B.A. University of Texas, 1987;

    J.D. University of Houston Law School, 1990;

    Law Review- South Texas College of Law, 1988.

    Affiliations

    American Association for Justice (AAJ), Texas Trial Lawyers Association (TTLA), Houston Trial Lawyers Association (HTLA), and American Bar Association (ABA).

    Casework

    For nearly 25 years, Adam has represented individuals who have suffered injury as a result of the negligence of others. In that time, he has represented over 1,000 individuals harmed by asbestos exposure. Specifically, Adam takes great pride in assisting those individuals diagnosed with mesothelioma.

    In 2005, Adam was successful in negotiating one of the first nationwide round II opt-out settlements for the Fen-Phen diet drug Litigation. Since that time, Adam has also negotiated settlements in the Medtronic Sprint Fidelis Lead Wire litigation, Baycol litigation, Yaz birth control litigation and several other Pharmaceutical and medical device mass torts. Currently, he represents clients in the Actos, Pradaxa, Infuse, Mirena, TVM, Lipitor, Risperdal, and Byetta litigations as well as several other large mass actions.

    Adam also currently represents the families of several children who have suffered skull fractures and other serious injuries as a result of falls from the Bumbo baby seat, in which he was an instrumental force in getting over 4 million of the products being recalled.

    Adam represents clients in all 50 states and has claims filed on behalf of those clients in many states across the country.

    Hard work, determination and personal attention are things that you can expect when being represented by Adam and the firm of Pulaski Law Firm.

    Darsey L. Pfost

    Attorney at Law

    Darsey has dedicated her legal practice to uphold a personal commitment to victims’ rights. Darsey received her bachelor’s degree in Political Science with a secondary emphasis in studies of World History and Philosophy from the University of Texas at Austin, and her Doctor of Jurisprudence from South Texas College of Law. While in law school, Darsey studied under Dean T. Gerald Treece as a member of the nationally recognized mock trial program. In her practice, Darsey represents individuals and is an active member of the Texas Trial Lawyers Association, whose mission is to protect, promote and safeguard the rights of people forced to seek redress in law. Darsey is admitted to practice in the courts of the State of Texas and the United States District Court for the Southern District of Texas.

    Practice Areas

    Personal Injury, Medical Malpractice, First Party Insurance and Consumer Protection, Pharmaceutical Litigation and Jones Act cases.

    Education

    University of Texas at Austin, B.A.

    South Texas College of Law, J.D.

    Affiliations

    Texas Trial Lawyers Association

    Houston Trial Lawyers Association

    American Bar Association

    Houston Young Lawyer’s Association

    South Texas College of Law Alumni Association

    Texas Exes University of Texas Alumni Association


    Es buen negocio el Multinivel, negocios independientes.

    #Negocios #independientes


    Pequeño Cerdo Capitalista

    de Sofía Macías

    ¿Es buen negocio el Multinivel?

    Creo que cada semana llega alguien al twitter o Facebook del Pequeño Cerdo Capitalista con ojitos brillantes y de signos de pesos preguntando si es buen negocio el multinivel. Como ya les contesté a varios las mismas cosas, mejor las publico en este post

    Vamos a empezar por decir que a muchos les llama la atención el multinivel porque creen que es una forma de ganar dinero sin esfuerzo o peor ¡sin trabajar! pequeño detalle: el multinivel se trata de construir redes de ventas para recibir comisiones de lo que los afiliados vendan. Construir esa red implica una habilidad de ventas y reclutamiento (sí hay que chambearle) y algunos comercios le piden a todos los que la integran un mínimo de ventas al mes, si no, no les pagan las comisiones o les quitan la red.

    Aclarando este punto, aunque el multinivel puede llegar a ser una escuela de ventas y otros temas de negocios, producir buenos ingresos si te aplicas y mandar directo a tu bolsillo las comisiones adicionales que genere tu red, la verdad yo lo veo más como una estrategia de ventas para las compañías que quieren colocar su producto, que como la olla de oro al final del arco iris (que lo llegue a ser depende de cuánto de aplique quien le entra).

    Finalmente el multinivel sí es conveniente para las compañías porque se hacen de una fuerza de ventas sin tener que contratarlos directamente, a los que les pagan por resultados y en muchos casos hasta es una forma de que se mueva más su producto porque algunos hasta les requieren compras mínimas. Esto no es negativo onda comercios malos que se aprovechan de los pobres incautos que entran al multinivel&, no, sólo aclara que su principal objetivo es que la empresa venda más, no tanto hacer ricos a los que pertenecen a ella.

    Para quienes no sepan qué son los negocios multinivel, chequen este video de Investorpedia sobre cómo funciona (den click para que los lleve al sitio).

    Negocios independientes

    Ahora, cuál es el pero que yo le pongo al tema: que muchas pirámides o estafas se han disfrazado de negocio multinivel y es un poco difícil distinguir a los buenos negocios de los tranzas.

    Siempre que me escriben preguntándome sobre alguno, les contesto que evalúen esto (porque lo siento, pero no me da la vida para investigar empresa por empresa, que su interesado lo haga):

    1. ¿Te gustan las ventas y el recultamiento? Si te chocan o no logras vender ni un chicle, esto en definitiva no es para ti. Ok, puedes aprender, pero esa es otra historia. Si no estás dispuesto, busca algo más.

    Algo muy importante es también tu habilidad para prospectar& y buscar nuevos clientes (eso para cualquier chamba de ventas, pero acá en particular). Esto es tanto clientes que compren el producto, como nuevas personas que integren tu red. El caso clásico es el de los jugos esos multivitamínicos y quesque maravillosos, que no es que la empresa sea ilegal, pero después de enjaretárselos a toda su familia ni tu madrina te los compra, se te acaba el mercado y muchas veces tú haces una inversión inicial que no se recupera. También pasa mucho que algunos entran a la red para probar& y se salen a los pocos meses, entonces tienes que buscar nuevos vendedores para que te siga generando esos ingresos.

    2. ¿La empresa es legal? Tienes que asegurarte que sea una empresa legalmente constituida y que tenga oficinas físicas en México (si no ¿dónde te quejas? a veces hasta los que tienen oficinas pueden desaparecer, pero es bajarle un poco al riesgo). También es bueno checar en Profeco si no tienen quejas, su reputación en sitios tipo apestan.com y de preferencia con personas que ya le hayan entrado.

    Una opción es consultar que al menos esté dada de alta en Hacienda, con el RFC de la empresa. Lo puedes consultar en la página del SAT si tú tienes RFC y tu contraseña, en un área que se llama Mi portal& y luego servicios por internet& y luego la opción de consulta de contribuyentes. Esto ya es un avance, aunque no una garantía al 100%.

    Otra posibilidad es ver si está dentro de la Asociación Mexicana de Ventas Directas. Cuando les llamé ellos aseguraron que sus socios tienen que pasar un filtro y ser empresas legalmente constituidas, así que vamos de gane. Las clásicas de ventas de este tipo onda Tupperware, MaryKay y Avon sí están, así que es una buena fuente para corroborar y también para aprender un poco más del tema.

    3. ¿Te gusta el producto? Tiene que ser algo que tú comprarías o que al menos consideres que sí tiene valor. ¿Cómo vas a lograr vender si tú no lo comprarías ni de chiste? ¿como con qué argumentos? Pero además, si ni a ti te convence el producto ¡Cómo vas a lograr compras repetidas, que es lo que realmente genera flujos y lo hace interesante!

    Otras de las pistas que Investorpedia da sobre cómo detectar si es un multinivel legítimo o una estafa piramidal son:

    El multinivel se enfoca en que vendas productos; las estafas en el reclutamiento de personas (osea que metas gente a algo).

    Los precios de los productos de multinivel son similares o inferiores a los de los outlets; los de las pirámides pueden ser más caros.

    -Los multiniveles legítimos o no tienen costos de entrada o relativamente bajos; las priámides o te piden comprar mucho producto, una membresía o te cobran por entrenamiento o materiales de ventas.

    Como la mayoría de la gente, tengo la clásica tía que se metió hace mil años a un multinivel y lo hizo su forma de trabajo (en productos naturistas), se ha ganado premios de viajes, pero también le ha dedicado mucho tiempo.

    Creo que esa es la única verdad a medias del multinivel: si es una empresa seria, te puede generar ingresos o hasta la puedes tener como algo extra&, pero si quieres que sean sustanciosos sí le tienes que invertir tiempo, tanto para tus metas mínimas de ventas y afiliar gente, como para administrar la red, cuando ya creció.

    Los productos milagro no funcionan ni en las dietas ni en el dinero. Si quieres generar más, al menos al principio, tienes que esforzarte y chambearle.


    Tamponamento a catena: chi paga, colpa impropria.

    #Colpa #impropria


    Tamponamento a catena: chi paga?

    In tema di circolazione stradale, nellipotesi di tamponamento a catena tra veicoli in movimento trova applicazione lart. 2054, secondo comma, cod. civ., con conseguente presunzione iuris tantum di colpa in eguale misura di entrambi i conducenti di ciascuna coppia di veicoli (tamponante e tamponato), fondata sullinosservanza della distanza di sicurezza rispetto al veicolo antistante, qualora non sia fornita la prova liberatoria di aver fatto tutto il possibile per evitare il danno. Nel caso, invece, di scontri successivi fra veicoli facenti parte di una colonna in sosta, unico responsabile degli effetti delle collisioni è il conducente che le abbia determinate, tamponando da tergo lultimo dei veicoli della colonna stessa.

    Tamponamento a catena: chi paga?

    Un soggetto proponeva azione di risarcimento danni nei confronti di altro soggetto e della compagnia di assicurazioni che lo garantiva, in relazione ad un sinistro stradale (tamponamento a catena) in cui era stato coinvolto.

    Il giudice di primo grado accoglieva la domanda.

    La compagnia di assicurazioni interponeva appello ed il giudice di secondo grado, riconoscendo il concorso di colpa, condannava l’attore a restituire la somma percepita in forza della sentenza di primo grado.

    Questi però non ci stava e proponeva ricorso per cassazione.

    Loggetto del contendere è sostanzialmente circoscritto al risarcimento dei danni riportati dalla parte anteriore dellautovettura Fiat 600 dell’attore in conseguenza della contestazione, da parte della compagnia di assicurazione, di dovere altra somma oltre quella già corrisposta ante causam, in ragione di una diversa ricostruzione della dinamica del sinistro. Per lattore, infatti, è stata la forza del tamponamento da parte dellautovettura che lo seguiva a sospingere la propria Fiat 600, ferma in coda, contro il veicolo che la precedeva; mentre, secondo la versione dellassicurato Allianz, il tamponamento tra le ultime due auto della colonna è successivo a quello tra lauto di questultima e il veicolo che la precedeva, con la conseguenza che sarebbero risarcibili solo i danni alla parte posteriore della Fiat 600.

    Il principio di diritto ribadito dalla Suprema Corte.

    La Corte di cassazione accoglie i primi tre motivi di ricorso, ribadendo il principio, assolutamente pacifico nella giurisprudenza della Corte di legittimità, secondo cui in tema di circolazione stradale, nellipotesi di tamponamento a catena tra veicoli in movimento trova applicazione lart. 2054, secondo comma, cod. civ., con conseguente presunzione iuris tantum di colpa in eguale misura di entrambi i conducenti di ciascuna coppia di veicoli (tamponante e tamponato), fondata sullinosservanza della distanza di sicurezza rispetto al veicolo antistante, qualora non sia fornita la prova liberatoria di aver fatto tutto il possibile per evitare il danno. Nel caso, invece, di scontri successivi fra veicoli facenti parte di una colonna in sosta, unico responsabile degli effetti delle collisioni è il conducente che le abbia determinate, tamponando da tergo lultimo dei veicoli della colonna stessa (ex plurimis e tra le più recenti, si richiama: Cass. 19 febbraio 2013, n. 4021).

    Il principio ribadito dalla Suprema Corte con la sentenza evidenziata riveste notevole importanza ove si consideri che il tamponamento a catena è ipotesi davvero frequente nella circolazione stradale dei veicoli. Il principio elaborato dalla Corte di legittimità, a fronte di una fattispecie (tamponamento a catena) distingue due diverse ipotesi di responsabilità a seconda che le automobili siano in movimento ovvero siano ferme incolonnate.

    Tamponamento a catena ed auto in movimento

    In tale ipotesi, per gli Ermellini, la responsabilità va ripartita in pari misura in capo ad entrambi i conducenti di ciascuna coppia di veicoli (tamponante e tamponato). Ciò perché si presume che in una siffatta ipotesi il soggetto tamponato abbia a sua volta tamponato l’auto che lo precedeva per non aver tenuto la distanza minima di sicurezza. Ovviamente, la presunzione ex art. 2054 comma 2° di pari (cor)responsabilità può essere vinta dalla prova del contrario.

    Tamponamento a catena ed auto ferme

    Diversa è invece la conclusione alla quale i giudici pervengono nel caso di tamponamento a catena che abbia interessato autovetture ferme.

    In tal caso, non sussiste alcun dubbio: la responsabilità è da addebitarsi, per intero, al conducente dell’auto che abbia investito l’ultima auto della colonna.

    Il principio elaborato appare corretto e da un punto di vista logico e da un punto di vista giuridico.

    Tuttavia, non può non rilevarsi come, nella applicazione pratica e nella casistica possa non rivelarsi agevole accertare se i mezzi fossero in movimento ovvero fermi incolonnati.

    Tra l’altro, nel caso in cui il veicolo investito fosse in movimento ma in frenata ed abbia, a causa del tamponamento ricevuto, investito a sua volta l’autovettura che lo precedeva, risulterebbe iniquo addossare al suo conducente un concorso di colpa quand’anche egli abbia mantenuto, prima dell’arresto, la distanza di sicurezza con il veicolo che lo precedeva.

    Vero è, si potrebbe replicare, che si tratta solo di una presunzione juris tantum di corresponsabilità, ma è altrettanto vero, come sopra detto, che nella pratica non è agevole dimostrare il contrario.


    Colegio de Abogados de San Isidro (CASI), abogados bilbao.

    #Abogados #bilbao


    Redes Sociales

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    Instructivo para confección de la "Declaración Jurada de Impuesto a la Transmisión Gratuita de Bienes"

    Abogados bilbao Ingresos Brutos (R-114 V2): Versión Word – Versión pdf

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    Abogados bilbao Amparo contra el sistema de liquidación y pago de anticipos por ingresos brutos, cfr.

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    CATASTRO

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    CHEAP WEB HOSTING SITES – TOP 10 – January 2018, cheap reseller hosting.

    #Cheap #reseller #hosting


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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 cheap webhosting.

    The web hosting plans on this page have been selected for their low cost while still providing good value and service. These offers are well suited for hosting your first web site or blog. You can always upgrade later.

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    Moniker DNS down again: an alternative solution!

    The problem

    Many of us have registered domain names at Moniker.com. And while they are both effective and efficient at registering and managing your domain names for a low “bulk” price, their DNS servers have proven to be utterly unreliable with several day long outtages over the last year.

    This means your domains are all good and safe but if you use Moniker’s own DNS servers (instead of, for example, your web hosting company’s name servers), people may experience additional delay in trying to access your site or they may even not get there at all.

    One solution would be to use your web hosting’s provider’s DNS servers. But these tend to not be very reliable either. and to say the least, they are very slow.

    The Solution

    So we went out to look for a dedicated DNS service provider. There are many but only a handful use AnyCast. AnyCast allows your visitors to use a DNS server closest to them, cutting latency times and getting their DNS queries answered 10 to 100 times faster than with standard UniCast DNS providers.

    Out of these, only one has affordable pricing: DNS Made Easy . For less than $30/year can host DNS service for 10 domain at lightning speeds!

    Measuring results

    Go check out the speed of your current DNS service here at ultratools.com. Look at the max delays! With Moniker DNS servers you may get delays as long as…

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    Dealing with Price Increases at Renewal

    It has become fairly easy to find great cheap hosting deals for shared hosting as well as for VPS hosting.

    However, these cheap prices don’t always stay cheap forever!

    Unfortunately, as many of our users alerted us, we found out that it has become an industry standard for hosting companies to lure new customers in with cheap sticker prices only to abruptly increase the monthly price at the end of the first payment term. For example, you may sign up at $1.99 / mo for the first 2 years but as your plan auto-renews at the end of those 2 years, your price may go up to $5.95/month.

    Many customers don’t realize this until it is too late and they have already been billed for a full year renewal at the increased price. Don’t be one of them!

    How to be a smart shopper

    Solution 1: Be prepared to change hosts frequently

    When you sign up for a cheap web-hosting plan, you will be able to lock in the low price for 12, 24, 36 or even 48 months if you pay in advance for the whole period. But as renewal time comes up, you will have to pay the higher rate. or switch to another webhost. and that is what most smart shoppers actually do! This is very similar to switching cell-phone plans to always take advantage of the best deals.


    El timo del Banco Sabadell a sus hipotecados: cambiar la cláusula suelo por un interés fijo, hipotecas sabadell.

    #Hipotecas #sabadell


    El timo del Banco Sabadell a sus hipotecados: cambiar la cláusula suelo por un interés fijo

    Banco Sabadell es ya prácticamente la única entidad que sigue defendiendo la legalidad de las cláusulas suelo hipotecarias y que se resiste a cumplir las sentencias de los tribunales. La última estrategia de la entidad que preside Josep Oliú ante la avalancha de clientes que exigen la retirada de estas cláusulas en sus hipotecas es cambiarles el tipo variable por uno fijo, para que sigan pagando de más. Todo ello sin abonar una indemnización por las cantidades indebidamente cobradas hasta la fecha y obligando a los clientes a renunciar a reclamaciones por la vía judicial.

    Así lo han denunciado varios afectados a OKDIARIO, que ha podido comprobar la veracidad de los hechos en la denuncias llegadas a la Asociación para la Defensa de Consumidores y Usuarios de Bancos, Cajas y Seguros (Adicae). El mecanismo es el siguiente: una vez que el cliente afectado se dirige a su oficina para exigir la retirada de la cláusula, el banco recomienda cambiar el tipo de interés al que se referencia la hipoteca (el Euribor) por un tipo fijo, argumentando que ello beneficia al afectado, porque se cubre ante subidas del precio del dinero a corto plazo.

    “El Sabadell atemoriza a los afectados con una seguras e inminentes subidas del Euribor a pesar de que el presidente de la entidad asegura públicamente que no espera un cambio de tendencia en los tipos de interés en el corto plazo, vendiéndoles que se trata de un favor cuando se trata de un timo y un abuso a todas luces”, explican desde Adicae.

    Pongamos un caso concreto llegado a las oficinas de esta organización de consumidores. Un cliente del Sabadell que contrató la hipoteca al 0,75% de diferencial más Euribor que hoy revise su hipoteca debería abonar un 0,737% (Euribor al -0,012). “Pero al tener cláusula suelo, fijada al 2,5%, está pagando un 1,76% más de lo que le corresponde y ahora el Sabadell le propone cambiar el actual y fraudulento 2,5% a interés variable por un 2,15% a tipo fijo, donde el suelo desaparece a cambio de seguir pagando un 1,41% más de lo que firmó”, indica Adicae.

    No es la única estratagema que están realizando los empleados del Banco Sabadell a las ordenes de Oliú. La otra vía de intentar eludir su responsabilidad con sus clientes es retirarles la citada cláusula a cambio de firmar un pacto de silencio que obliga al cliente a no decirle nada a su abogado ni a nadie más, incluidos medios de comunicación, tal como avanzó OKDIARIO. El acuerdo contempla, como en el caso anterior, la renuncia a la indemnización correspondiente a cambio de no iniciar un proceso judicial o retirarse del que tenga en marcha.

    Cobrar al cliente por entregar justificantes de pago de cuotas

    Algunos de los afectados consultados por este diario confirman este hecho y denuncian que la entidad “pone muchas trabas para obtener los papeles necesarios para iniciar una acción judicial”, tales como los justificantes de los pagos de las cuotas hipotecarias y los intereses abonados. “En algunos casos incluso se cobra al cliente por facilitarle los recibos”, explica un letrado de un importante bufete.

    Las fuentes del Banco Sabadell consultadas señalan que las cláusulas suelo y los compromisos de confidencialidad “forman parte de un acuerdo privado y legal entre la entidad y el cliente”, por lo que no consideran que exista algo irregular en ellas.

    Los despachos de abogados consultados por este diario, especializados en la defensa de afectados por abusos del sector financiero, recomiendan no aceptar este tipo de ofertas y reclamar la retirada de la cláusula suelo, así como la devolución de las cantidades cobradas de forma indebida al menos desde mayo de 2013, que es la fecha que ha estipulado el Tribunal Supremo para la retroactividad. En estos momentos el Tribunal de Justicia de la UE debate declarar la retroactividad total, lo que obligaría a las entidades a aumentar sus provisiones para cubrir las devoluciones, que pueden demorarse hasta 2017.

    Desde las entidades financieras se intenta trasladar la idea de que la citada retroactividad total generaría un agujero de 20.000 millones de euros en sus balances, aunque otros cálculos, como los realizados por Analistas Financieras Internacionales (AFI) rebajan la cifra hasta los 10.000 millones de euros.

    Cláusulas ilegales y abusivas, según el Tribunal Supremo

    La ilegalidad de las cláusulas suelo se basa en que adolecen de “falta de transparencia”, de acuerdo con la doctrina del Tribunal Supremo, ya que “no superan el control de inclusión de las condiciones generales de contratación”. En concreto, “se crea la apariencia de un contrato de préstamo de interés variable en el que las oscilaciones a la baja del Euribor repercutirían en una disminución del precio del dinero, cuando, por aplicación de la cláusula suelo, se convierte en un préstamo a interés mínimo fijo”.

    Además, para el Supremo, estas cláusulas “son abusivas por su falta de reciprocidad y por el desequilibrio que introduce en el reparto de riesgos” entre el cliente y el banco, tal como señala el Supremo. Como consecuencia de ello, la entidad “percibe cantidades por encima del interés variable previsto en la escritura de préstamo”.


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    Microcreditos

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    Las tasas de interés que gravan el capital pedido son variables, pues se establecen en particular por cada contraprestación. Es verdad que en algunos casos pueden llegar a ser bastante altas, pero de todas maneras el cliente tiene derecho a conocer todos los conceptos extras que tendrá que abonar antes de aceptar el crédito. En última instancia, es él quien elige.

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