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First Steps in a Medical Malpractice Case

#malpractice #against #lawyers, #medical #malpractice #liability


First Steps in a Medical Malpractice Case

Medical malpractice cases are generally sought by patients who have been harmed or injured due to poor medical treatment or mistaken diagnosis from a medical provider such as a doctor, nurse, technician, hospital or medical worker. Typically, the measure of whether a medical provider was “negligent,” or failed to provide proper care. turns on whether the patient would have received the same standard of care from another medical provider under similar circumstances.

While the majority of health care providers aim to exercise the highest standard of care for all patents, there are times when things can go gravely wrong. If you or a loved one has experienced poor medical care, misdiagnosis, lack of consent, or breach of doctor-patient confidentiality that has resulted in harm or injury, you may be entitled to medical malpractice recovery.

Below are some basic first steps in bringing a medical malpractice case.

Contact the Medical Professional Involved

The first step is to contact the doctor or medical professional who works with you before you actually file the claim. Your goal is to get an understanding of what may have gone wrong and allow your doctor to determine whether it is something that can be remedied. In most cases, medical providers are willing to perform services (sometimes free of charge) to correct a problem or provide a solution.

Contact the Relevant Medical Licensing Board

If contacting the medical professional does not help the situation, you may wish to contact the licensing board that governs medical licenses. While licensing boards typically cannot order the professional to compensate you, they can issue warnings or discipline to the practitioner and may be able to provide you with guidance about your next steps.

Know How Long You Have to File a Claim

When deciding whether to file a medical malpractice claim. it is important to find out how much time you have to legally bring the claim. All civil claims, including medical malpractice cases, have time limits as to when they must be filed. These limits, called “statutes of limitations,” require you to file your claim within a certain time period from when the injury occurred, or risk waiving your rights to recover money for your injuries. Check the state laws in your particular state to ensure the time period for filing your claim does not run out.

Get a Medical Assessment to Confirm Your Case Has Merit

A growing number of states require patients to file what is commonly known as a “certificate of merit” to determine that the injuries you suffered was the result of negligence on the part of a health care professional. To file a certificate of merit, must first contact an expert, usually another physician, to review your medical records and certify that the original healthcare provider deviated from accepted medical practices, which resulted in your injuries. The attorney that you hire will now file the certificate of merit, which confirms that you spoke with a medical expert and that your action has merit.

Consider an Out-of-Court Settlement

Medical malpractice cases can be timely and costly, which is why most medical malpractice cases are settled out of court. In addition, because medical malpractice insurance companies reject a significantly large portion of medical malpractice claims, it may be in your best interest to settle out-of-court or risk having no case at all. Keep in mind, however, that if you believe you have a strong case, then you should seek a larger settlement.

Free Initial Claim Review from a Medical Malpractice Lawyer

Finding a qualified medical malpractice attorney can mean the difference between receiving compensation for your injuries and walking away empty-handed. An experienced attorney will be able to discuss the strengths and weaknesses of your case and advise you on a course of action moving forward. A good first step in finding the right attorney is to get a free initial claim evaluation from a medical malpractice lawyer .

Arkansas Earthquake Insurance, homeowners insurance arkansas.

#Homeowners #insurance #arkansas


Arkansas Earthquake Insurance

A Market Assistance Program (MAP) has been developed as a result of the Arkansas Earthquake Authority Act of 1999. The MAP is designed to assist consumers who are unable to find residential earthquake insurance through traditional sources.

Why do I need earthquake coverage? Most standard homeowners policies do not cover earthquake damage. Like flood insurance, it usually must be purchased separately.

Does my homeowners policy cover earthquake? It depends on your policy. Contact the agent that sold you the policy and ask them to clarify. Your company must tell you if it does not offer earthquake coverage and provide you with information on how to obtain coverage through the MAP.

Where do I get earthquake coverage through the MAP? The MAP is available to any practicing insurance agent who is licensed in the state of Arkansas although he or she may not be aware of it. Begin by contacting the agent that sold you your homeowners policy.

What if my agent doesn’t want to participate? Call Argenia, LLC at 1-800-482-5968 and we will help you find an agent in your area that is willing to help.

For Agents looking to obtain coverage for their insureds

How can I help my insured purchase earthquake coverage through the MAP? If you are a practicing agent licensed in the state of Arkansas, the earthquake MAP is available to you regardless of whether you are an independent agent or associated with a particular insurance company.

How do I get started? If you are already signed up to do business with Argenia, just click HERE. You can get a quick quote by filling out minimal information and then complete an application for the insured to sign

I haven’t ever done business with Argenia. How do I get signed up? Just call 800-482-5968 and tell the receptionist you are interested in signing up. Or you can download a copy of our brokerage agreement HERE. In addition, we will need a copy of your insurance license and a copy of your E & O coverage

Making an Insurance Claim for Underinsured or Uninsured Drivers Accidents

#euo #insurance


Making an Insurance Claim for Underinsured or Uninsured Drivers Accidents

This article will explain the uninsured and underinsured driver insurance coverages in your automobile insurance policy, and how you can use them after a car accident.

Uninsured Driver Coverage

You use your uninsured motorist coverage if you are hit by a driver who carries no car insurance. and the accident is deemed to be that driver’s fault. If that happens, you would generally not bother trying to sue the uninsured driver. Drivers who have no car insurance generally don’t have any money either. Instead, you would make a claim against your own insurance company up to the limit of your uninsured driver coverage.

Underinsured Driver Coverage

Underinsured driver coverage is for when you are hit by a driver who carries insufficient car insurance, and the accident is deemed to be that driver’s fault. Insufficient insurance means that the negligent driver does not have enough insurance to cover your damages. In that case, you would make a claim against your own insurance company up to the limit of your underinsured motorist coverage, but only if your underinsured driver coverage is greater than the negligent driver’s policy limits.

Let’s take an example. Let’s say that your case is worth $200,000, but the negligent driver only has $100,000 of coverage. In that case, you can make an underinsured driver claim against your own insurer as long as you have more than $100,000 in underinsured driver coverage. If you had $150,000 in underinsured driver coverage, you would settle with the negligent driver for $100,000, and would settle with your insurer for $50,000. You cannot take the negligent driver’s $100,000 policy and another $100,000 from your policy. You can only take from your policy that amount that exceeds the negligent driver’s coverage.

Another important thing to know about uninsured and underinsured driver coverage is that those coverages cannot exceed the amount of your primary coverage. For example, if you have $100,000 in coverage for your own potential negligence, you can only have up to $100,000 in uninsured or underinsured coverage. That’s just a financial issue for insurers. Uninsured and underinsured coverage is very cheap compared to regular liability coverage, so insurers don’t want their insureds purchasing only the minimum liability coverage and then loading up on uninsured and underinsured coverage.

How an Uninsured or Underinsured Driver Claim Works

If you have reason to believe that the driver who hit you is uninsured, you should give your insurer notice as soon as possible, letting them know that you intend to file an uninsured claim.

Some car insurance policies place strict deadlines on their insureds when it comes to notification of potential uninsured claims. Don’t delay. The deadline could be as brief as 30 days. If the other driver tells you that he/she does not have car insurance, or, if he/she refuses to give you any insurance information, and you can’t get the insurance information in any other manner, inform your insurer immediately that you intend to file an uninsured claim against your insurer.

An underinsured driver claim will generally take a little longer to develop. You usually are not going to know right away that you are going to have an underinsured driver claim until your medical treatment progresses and you and your lawyer get a better understanding of the value of your car accident case. But once you or your lawyer believe that your case is worth more than the defendant’s liability coverage, you must inform your insurer immediately that you intend to make an underinsured driver claim against it.

In general, an uninsured or underinsured driver claim progresses in the same way as a regular car accident claim, except that the claim is against your own insurance company. There will be pretrial investigation, disclosure of your medical records, and depositions of witnesses. But one very important difference is that, if you and the insurer cannot agree on a settlement figure, you cannot file a lawsuit against your insurer.

Instead, you have to submit your claim to binding arbitration, which is a more informal procedure than a court trial. An arbitration is a hearing in front of an arbitrator (or sometimes a panel of three arbitrators), and the arbitrator or arbitrators will decide who wins. The down side of binding arbitration is that, unlike a court trial, the losing side in an arbitration has very limited rights of appeal. Basically, the losing side in a car accident arbitration is stuck with the decision.

Get the compensation you deserve.

Glendale Car Insurance Agents

#glendale, #arizona #insurance #agents, #glendale, #arizona #auto #insurance, #glendale, #arizona #home #insurance, #glendale, #arizona #life #insurance, #glendale, #arizona #business #insurance


Car Insurance Agents in Glendale, AZ

Find a Nationwide Insurance Agent in Glendale, Arizona

Auto insurance

Even the safest drivers on a largely grid layout can’t avoid every accident. Start with our basic liability and property damage coverage; then add personal injury protection and other coverage options to get the right policy for your insurance goals.

Let a Glendale auto insurance agent quickly and clearly explain your policy options and coverage needs. Other member resources include the On Your Side Review, Vanishing Deductible program and On Your Side Claims Service.

Home insurance

Most Glendale homeowners are happy to know that even basic home insurance covers many fire threats, along with theft and certain weather events.

That said, many local homeowners still opt for additional policy coverage that speaks to their individual household needs. Talk to a Glendale Nationwide agent about replacement cost plus, expanded liability and our exclusive Brand New Belongings program.

Business insurance

Whether you’re a manufacturing firm, a mom-and-pop retail business, or a professional contractor, our Glendale business insurance products and risk management advisors serve local companies of all sizes.

We know the local business community, as well as the ins and outs of commercial insurance coverage. Let us show you how we can protect what you’ve worked so hard to build.

Get personalized quotes online

We’ve made it easier than ever to see policy quotes. In just minutes, you can select a policy purchase directly online or talk to an agent about your coverage options.

TOP 10 Plumbing Companies in Monterey County CA – The Prime Buyer s Report

#plumbers,plumbing #companies,plumbing #contractor,emergency #plumbing,monterey #county,monterey #bay,salinas,seaside,monterey #ca,soledad,marina #ca,prunedale


See related categories in Monterey County

Consumers use the Prime Buyer’s Report to avoid the scam, fraud, and businesses with low customer satisfaction.

Independent research conducted by Prime Buyer’s Report editors includes phone call surveys with customers of local businesses, checks with state agencies on license and complaint history, verification that each business has insurance coverage to protect you as a customer, phone interviews of business owners, signed agreements that they use only legal workers, and more to determine the businesses that are safe to spend with.

Plumbing Companies in Monterey County serving Del Monte Forest, Carmel Valley Village, Carmel Valley, Big Sur, King City, Las Lomas, Monterey, Pine Canyon, Gonzales, Pajaro, Pacific Grove, Marina, Aromas, Castroville, Greenfield, Elkhorn, Chualar, Soledad, Carmel Highlands, Carmel-by-the-Sea, Toro Park, Spreckels, Boronda, Seaside, Salinas, Prunedale and Del Rey Oaks




The Best Plumbers in Monterey County CA Are the Ones Proven Safe To Hire

Plumbers in Monterey County CA bearing The Prime Buyer’s Report TOP 10 symbol are the plumbers that have exceeded the minimum California regulatory standard. They are the ones proven by our independent research to have passed the TOP 10 requirements for competency and value, carry insurance as protection for you the customer, who have agreed to hire only employess legal to work in the U.S. and for whom our staff have called previous customers to verify high satisfaction with the new plumbing or plumbing repair in Monterey County CA.

Updated November 4, 2016

The TOP 10 Plumbing Companies in Monterey County CA

Areas Served: Salinas CA,Seaside CA,Monterey County CA,Carmel-by-the-Sea CA,Marina CA,Monterey CA
Services: local plumbing company, leak repair, lead detection, faucet repair, toilet repair

Areas Served: Monterey County,Carmel-by-the-Sea,Salinas CA,Soledad CA,Carmel Highlands CA,Seaside
Services: plumbers for commercial plumbing, residential plumbing, leak repair

Areas Served: Pacific Grove CA,Monterey County,Prunedale CA,Soledad CA,Seaside CA,Carmel,Salinas CA
Services: plumbing repair, new plumbing, plumbing inspections, repiping, clog cleaning

Areas Served: Monterey County,King City CA,Greenfield CA,Marina CA,Monterey CA,Salinas CA,Carmel CA
Services: plumbing leak repair, low water pressure problem repair, new plumbing, repiping

Areas Served: Monterey County,Soledad CA,Seaside CA,Monterey CA,Salinas CA,Seaside CA,Castroville
Services: plumbers for plumbing repair & new plumbing, pressure relief valves, water pressure

The Best Plumbers in Monterey County CA Are the Ones Proven Safe To Hire

The state of California requires plumbers in Monterey County CA to be licensed as plumbing contractors by the state, such as with the C36 license specifically for plumbing which legally allows them to construct or connect on-site waste disposal systems, piping, storage tanks and venting for gasses or liquids, all flues and gas connections, water and gas piping from utility meter to the building, installation of equipment for hot water including solar powered, maintenance and replacement of all previous items also including gas earthquake valves, gas control valves, back flow preventors, and regulating valves.

But the state license is no guarantee that any particular plumbing company in Monterey County CA is doing business ethically, providing real value, and satisfying customers.

This makes it all the more significant that all plumbing services in Monterey County CA who bear The Prime Buyer’s Report-TOP 10 symbol have been cleared by our research staff as passing all the requirements for Prime Buyer’s Report-TOP 10 status such as survey phone calls to previous customers to verify high satisfaction, good complaint record, verified state license for plumbing, liability insurance, only employees legal to work in the U.S., and more.

See other areas for Plumbing Companies

See related categories in Monterey County

Consumers use the Prime Buyer’s Report to avoid the scam, fraud, and businesses with low customer satisfaction.

Independent research conducted by Prime Buyer’s Report editors includes phone call surveys with customers of local businesses, checks with state agencies on license and complaint history, verification that each business has insurance coverage to protect you as a customer, phone interviews of business owners, signed agreements that they use only legal workers, and more to determine the businesses that are safe to spend with.

Plumbing Companies in Monterey County serving Del Monte Forest, Carmel Valley Village, Carmel Valley, Big Sur, King City, Las Lomas, Monterey, Pine Canyon, Gonzales, Pajaro, Pacific Grove, Marina, Aromas, Castroville, Greenfield, Elkhorn, Chualar, Soledad, Carmel Highlands, Carmel-by-the-Sea, Toro Park, Spreckels, Boronda, Seaside, Salinas, Prunedale and Del Rey Oaks



Strände an der italienischen Adria – Strand-Urlaub an der Adria in Italien, zimmer in grado italien.

#Zimmer #in #grado #italien

Strände an der italienischen Adria

Zimmer in grado italien

Die italienische Adria bietet kilometerlange Strände aus feinstem Sand, meistens flach abfallend und daher auch ideal für den Urlaub mit Kindern. Charakteristisch für die Adria-Strände in Nord-Italien ist ihre enorme Breite, die oft bis zu mehreren 100 Metern beträgt.

Die knapp 600 km lange Adria-Küste in Italien ist ein Ferienparadies par exelance, das kaum Urlaubswünsche offen läßt.

Ferienanlagen, Hotels und Campingplätze an der Adria sind meist im Besitz von Privatstränden, die mit ordentlich aufgestellten Liegestühlen und Sonnenschirmen bestückt sind. Dieser Strandservice ist meist kostenpflichtig. Zwischen den privaten Badeständen finden sich jedoch auch noch frei zugängliche, naturbelassene Strände.

An der Adriaküste erwarten Sie aber nicht nur endlos lange Sandstrände, sondern auch ein überaus interessantes Hinterland, wie z.B. das ländliche Venetien oder das zum Weltnaturerbe zählende Po-Delta. Nicht zu vergessen die Küstenstädte wie Venedig, Caorle, Ravenna oder Triest.

Strandhotels an der Adria

Gutes 3-Sterne-Hotel direkt am Strand von Jesolo. Zimmer mit Meerblick, Frühstück inkl.

Zimmer in grado italien Dune Agriturismo Relais

Eine kleine grüne Oase an der Adria mit Pool und Privatstrand. 15 Zimmer, Restaurant, Weinkellerei.

Zimmer in grado italien Adriatic Palace Hotel

Kleines 4-Sterne-Hotel mit Pool direkt am Strand. 48 moderne Zimmer, auch mit Meerblick.

Adria-Strände von Triest bis Lignano

Zimmer in grado italien

Wild zerklüftete Felsküste bei Triest, zauberhafte Buchten wie Baia Sistiana, die weite Lagunenlandschaft zwischen Grado und Lignano, lange flache Sandstrände und viele gemütlich kleine Ferienorte prägen das Bild der Adriaküste in der Region Friaul Julisch Venetien.

Die Küstenstraße zwischen Sistiana und Triest gehört zu den schönsten Panoramastraßen am Mittelmeer. Die 23 km lange kurvenreiche Strecke verläuft hoch über der Adria mit traumhaften Ausblicken auf die Steilküste und hinunter in idyllische Buchten mit von Felsen eingerahmten kleinen Stränden und kristallklarem Wasser.

Die Strände von Grado und Lignano

Zimmer in grado italien

Auf rund 20 Kilometern erstrecken sich herrliche Sandstrände. Der Hauptstrand von Grado gehört zu den schönsten Stränden in Italien und wird immer wieder mit Preisen ausgezeichnet.

Grado liegt in einer wundervollen Lagunen-landschaft. Das besondere Flair dieser Insel- und Wasserwelt lernen Sie am besten auf einer Bootstour kennen.

Der 8 km lange, flache Sandstrand von Lignano ist besonders bei Familien mit Kindern sehr beliebt. Neben vielfältigen Wassersport- und Unterhaltungsangeboten finden Sie hier auch den Wasserpark Aquasplash sowie einen Zoo.

Venezianische Adria von Bibione bis Chioggia

Zimmer in grado italien

An der venezianischen Adria liegen zahlreiche Badeorte wie Chioggia, Jesolo, Caorle, Eraclea Mare und Bibione mit insgesamt rund 120 Kilometer langen, weitläufigen Sandstränden.


Die Strände von Venetien beginnen im Norden mit Bibione. Der 8 km lange und bis zu 300 m breite, gepflegte Sandstrand von Bibione wird besonders gerne von Familien mit Kindern besucht.


Zimmer in grado italien

Caorle hat eine wunderschöne Altstadt. Beiderseits des Ortes erstrecken sich insgesamt 15 km feinster goldfarbener Sandstrand.

Die weit verzweigte Lagunenlandschaft in der Umgebung von Caorle kann mit Ausflugsbooten erkundet werden.

Eraclea Mare

Hinter dem Pinienwald von Eraclea Mare öffnet sich ein breiter, 3 km langer und von Tamarisken gesäumter Dünen-Strand. Eine phantastische Landschaft von außergewöhnlicher Schönheit, ideal für Naturliebhaber.


Zimmer in grado italien

Der 15 km lange Lido di Jesolo gehört schon lange zu den meistbesuchten Stränden in Italien. Der lebhafte Badeort gliedert sich in mehrere Ortsteile und ist neben Rimini die zweite große Urlaubsmetropole an der oberen Adria. An der über 10 km langen Hauptstraße von Jesolo reihen sich Hotels, Bars und Restaurants, Discos und Nachtclubs und viele Geschäfte.


Die langgestreckte, schmale Landzunge Litorale del Cavallino besitzt einen 15 km langen, von Pinien gesäumten Sandstrand. Hier liegen auch die meisten Campingplätze in der Umgebung von Venedig. Cavallino eignet sich sehr gut für den Besuch von Venedig. Von Treporti und Punta Sabbioni gibt es gute Bootsverbindungen nach Venedig.


Chioggia besitzt mit Sottomarina einen 10 km langen Sandstrand. Der feine Sand an den Stränden des vielbesuchten Badeortes gilt aufgrund seiner chemisch-physikalischen Eigenschaften als besonders empfehlenswert für Luft- und Sandkuren.

Von Comacchio bis Cattolica: Emilia Romagna

Zimmer in grado italien

110 Kilometer lange feinsandige Strände säumen die Küste der Emilia Romagna, ein ideales Reiseziel für Familien mit Kindern. Von Comacchio bis Cattolica reihen sich die Badeorte wie Perlen aneinander.

Comacchio liegt in einer uralten Lagunen- Landschaft im Po-Delta. Der ursprünglich auf 13 Inseln gegründete Ort erinnert mit seinen vielen Brücken und Kanälen an Venedig.

Die Strände von Comacchio – Lidi di Comacchio

Die Sandstrände von Comacchio sind über 20 km lang und flach abfallend. Der durch herrliche Sanddünen vom Meer getrennte Lido degli Scacchi ist recht ruhig und eignet sich mit zahlreichen Spiel- und Freizeitangeboten für Kinder besonders gut für den Familienurlaub. Wassersportler zieht es bevorzugt an den Lido delle Nazioni. Der gleich an der Adria-Küste gelegene See ist ein hervorragendes Segel, Surf- und Wasserskigebiet.

Die Lagune von Comacchio ist Naturschutzgebiet, die Sie gut zu Fuß oder mit dem Fahrrad erkunden können. Oder wie wäre es mit einem Ritt auf einem der berühmten weißen Pferde des Po-Deltas?

Die Strände von Ravenna

Zimmer in grado italien

Die Lidi di Ravenna sind von dichten, herrlich grünen Pinienwäldern gesäumt. Hier liegen mehrere kleine Badeorte mit langen, feinsandigen Stränden.

Das in einem jahrhundertealten Pinienwald gelegene Milano Marittima zählt zu den schönsten Badeorten an der Adria in Italien und hat einen herrlichen 10 km langen Sandstrand.

Cervia hat einen wundervoll flach abfallenden Sandstrand und ist ein bevorzugter Familien-Urlaubsort. Der kleine Hafenort mit historischer Altstadt und hübscher Uferpromenade ist seit Urzeiten für seine Salinen bekannt. In ehemaligen Salzspeichern informiert ein kleines Museum über die Salzgewinnung.


Zimmer in grado italien

Cesenatico ist ein lebhafter Badeort mit 7 km langem Strand aus feinstem Sand und vielfältigem Sport-, Freizeit- und Gastronomie-Angebot.

Berühmt ist der von Leonardo da Vinci gestaltete Hafen, in dem historische Fischerboote mit den für die Region charakteristischen bunten Segeln vor Anker liegen.


Rimini ist die Urlaubsmetropole in Italien schlechthin, das größte Fun- und Vergnügungsmekka an der gesamten Adria. Der 15 km lange Sandstrand zieht jährlich Millionen von Besuchern an und das Nachtleben ist legendär. Ein ausgeprägtes Nachtleben bieten auch die beliebten Badeorte Riccione und Cattolica.


  • Italienische Adria


  • Italienische Adria

    Camping an der Adria

    Zimmer in grado italien

    Camping Pra Delle Torri

    Zimmer in grado italienZimmer in grado italien Zimmer in grado italien

    Adria Ferienwohnung

    Zimmer in grado italienZimmer in grado italienZimmer in grado italienZimmer in grado italien

  • Studio Legale Tidona e Associati, Diritto Bancario, azione finanza.

    #Azione #finanza

    Azione finanza

    Di Maura Castiglioni, 19 aprile 2018 – PDF

    Di Davide Siclari, 15 marzo 2018

    Di Antonio Pezzuto, 15 marzo 2018

    Di Maurizio Tidona, 1° marzo 2018

    Di Maurizio Tidona, 23 febbraio 2018

    Di Maurizio Tidona, 2 febbraio 2018

    Di Maura Castiglioni, 1 febbraio 2018

    Di Maurizio Tidona, 25 gennaio 2018

    Di Marco Solferini, 22 gennaio 2018

    Di Maurizio Tidona, 18 gennaio 2018

    Di Maurizio Tidona, 12 gennaio 2018

    Di Maura Castiglioni, 14 dicembre 2017

    Di Maura Castiglioni, 22 novembre 2017

    Di Maurizio Tidona, 2 novembre 2017

    Di Maurizio Tidona, 20 ottobre 2017

    Di Maurizio Tidona, 15 settembre 2017

    Di Emanuela Montanari, 13 settembre 2017

    Di Maurizio Tidona, 7 settembre 2017

    Di Maurizio Tidona, 28 luglio 2017

    Di Maurizio Tidona, 18 luglio 2017

    Di Maura Castiglioni, 14 luglio 2017

    Di Maurizio Tidona, 6 luglio 2017

    Di Maura Castiglioni, 29 giugno 2017

    Di Maurizio Tidona, 23 giugno 2017

    Di Marco Solferini, 22 giugno 2017

    Di Maurizio Tidona, 8 giugno 2017

    Di Maurizio Tidona, 18 maggio 2017

    Di Federico Bellini, 29 aprile 2017

    Di Maurizio Tidona, 28 aprile 2017 Se l’investitore contesti la nullitа dei soli ordini di investimento conclusi con la banca il giudice non puт dichiarare d’ufficio la nullitа del contratto quadro per difetto del requisito della forma scritta ex art. 23 T.U.F. Di Maurizio Tidona, 10 marzo 2017 La nullitа del contratto quadro per difetto della forma scritta e degli ordini di investimento e dei contratti in strumenti finanziari derivati per inosservanza della forma convenzionalmente stabilita Di Maura Castiglioni, 2 marzo 2017 La nullitа del contratto di investimento in strumenti finanziari sottoscritto fuori dalla sede della banca senza la menzione di un diritto di recesso da parte dell’investitore Di Maurizio Tidona, 9 febbraio 2017 Adeguamento delle politiche, procedure e controlli interni degli Intermediari bancari e finanziari alle nuove disposizioni della IV Direttiva Europea in materia di Antiriciclaggio n. 2015/849/UE Di Emanuela Montanari, 1° febbraio 2017 Le controversie finanziarie sino ad euro 500 mila. Il nuovo Arbitro presso la Consob Di Maurizio Tidona, 19 gennaio 2017 2016 REPORT – La compensazione dei saldi attivi e passivi di piщ rapporti bancari: la possibilitа per la banca di compensare crediti non ancora esigibili In forza dell’art. 1853 c.c. la banca puт legalmente estinguere il debito del correntista risultante in uno specifico rapporto, compensandolo con le somme a credito del medesimo correntista (o del suo garante) in altro rapporto, al ricorrere di alcuni presupposti. L’articolo approfondisce i requisiti di legittimitа cosм come le eccezioni che consentono alla banca di operare anche in assenza degli stessi. Di Maurizio Tidona, 21 dicembre 2016 Il recesso della banca dal contratto di apertura di credito: le differenze nei rapporti a tempo determinato ed indeterminato In tema di recesso della banca dal rapporto di apertura di credito si devono distinguere le ipotesi del rapporto a tempo determinato da quello a tempo indeterminato. Di Maurizio Tidona, 4 novembre 2016 Tempistica e modalitа di presentazione dell’istanza ex art. 119 TUB nell’azione di accertamento negativo del credito della banca Di Alfieri Di Girolamo, 28 ottobre 2016 La responsabilitа della banca nelle truffe informatiche in danno del cliente nell’home-banking: la fattispecie del c.d. "Man in the Browser" Di Maura Castiglioni, 13 ottobre 2016 La clausola “floor” nei contratti di finanziamento. Dai presupposti della sua applicabilitа nelle pronunce dell’Arbitro Bancario e Finanziario alla sua eventuale nullitа Di Marco Solferini, 4 ottobre 2016 La normativa federale anti-riciclaggio in Svizzera dopo il 2015 Di Andrea Baiguera Altieri, 3 ottobre 2016 L’obbligo di inserimento nel Taeg del costo della polizza assicurativa nei contratti di finanziamento Di Marco Solferini, 29 settembre 2016 L’assenza di una istanza del cliente di consegna del contratto bancario prima del processo libera la banca dall’onere di produzione ed impedisce l’acquisizione d’ufficio del contratto Di Maurizio Tidona, 22 settembre 2016 La prova da parte della banca dell’erogazione di somma data a mutuo in un contratto di mutuo fondiario e l’opposizione da parte del debitore Di Maurizio Tidona, 15 settembre 2016 La Banca Nazionale Svizzera Di Andrea Baiguera Altieri, 15 settembre 2016 REPORT – L’anatocismo bancario: sintesi ragionata della nuova Delibera CICR del 3 agosto 2016 29 agosto 2016 Gli effetti dell’omologazione del “piano del consumatore” sull’azione esecutiva fondiaria della banca ex art. 41 TUB Di Maurizio Tidona, 1° luglio 2016 REPORT – Le conseguenze processuali all’inesistenza di un contratto scritto in un rapporto bancario iniziato prima del 9 luglio 1992 10 giugno 2016 REPORT – L’esecuzione fondiaria, il fallimento del debitore e gli oneri della banca per conservare il privilegio fondiario previsto all’art. 41 TUB 11 maggio 2016 Appunti sulle modifiche legislative del d.l. 18/16 all’art. 120, d.lgs. 385/93 (anatocismo bancario) Di Andrea Agnese, 6 maggio 2016 REPORT – La liberazione del fideiussore in caso di ritardo dell’azione giudiziale del creditore contro il debitore principale 22 aprile 2016 Un’applicazione dei principi di trasparenza: la clausola di arrotondamento degli interessi nel mutuo fondiario Di Andrea Agnese, 24 febbraio 2016 Le differenze tra la fideiussione bancaria ed il contratto autonomo di garanzia: l’obbligo del garante di pagare immediatamente la banca creditrice senza facoltа di portare eccezioni Di Maurizio Tidona, 24 febbraio 2016 Le spese di esazione sostenute dalla banca per l’escussione del debitore principale (tra cui le spese per remunerare il proprio avvocato) devono essere rimborsate dal fideiussore Cassazione Civile , sez. III, sent. n. 5193 del 17 marzo 2015 La responsabilitа precontrattuale della banca in caso di ingiustificata interruzione di trattative finalizzate alla concessione di un finanziamento Di Maurizio Tidona, 29 gennaio 2016 L’ordine di borsa di acquisto o vendita impartito telefonicamente alla banca dal cliente и valido anche se non registrato ed in assenza di una attestazione scritta dell’esecuzione Di Maurizio Tidona, 21 gennaio 2016 Le disposizioni in materia di antiriciclaggio si applicano anche nell’ambito della cooperazione fiscale internazionale Di Emanuela Montanari, 12 gennaio 2016 La prescrizione dell’azione di ripetizione del cliente nel rapporto bancario Di Maurizio Tidona, 8 gennaio 2016 2015

    Di Maurizio Tidona, 3 dicembre 2015

    Di Emanuela Montanari, 3 dicembre 2015

    Di Maurizio Tidona, 13 novembre 2015

    Tribunale di Reggio Emilia, sez. II, sent. n. 1297 – 06 ottobre 2015

    Arbitro Bancario e Finanziario, Collegio di Coordinamento, Decisione n. 7854 dell’8 ottobre 2015

    Andrea Agnese, 16 ottobre 2015

    Di Simone Galimberti, 30 settembre 2015

    Di Maura Castiglioni, 10 settembre 2015

    Di Emanuela Montanari, 30 agosto 2015

    Di Maurizio Tidona, 22 luglio 2015

    Di Maura Castiglioni, 10 luglio 2015

    Di Maurizio Tidona, 2 luglio 2015

    Di Maurizio Tidona, 7 maggio 2015

    Di Andrea Agnese, 14 maggio 2015

    Di Maurizio Tidona, 7 maggio 2015

    Di Maura Castiglioni, 30 aprile 2015

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    Il Tribunale di Milano, con due ordinanze collegiali del 25 marzo e del 3 aprile 2015, ha affermato la vigenza del nuovo divieto assoluto di anatocismo bancario dal 1° gennaio 2014 .

    Di Andrea Agnese, 9 aprile 2015

    Di Maura Castiglioni, 3 aprile 2015

    Di Maurizio Tidona, 20 marzo 2015

    Tribunale di Torino, sez. VI, sent. n. 7212 13-11-2014

    Di Maura Castiglioni, 13-03-2015

    Cassazione Civile, sez. III, sent. n. 1450 27-01-2015

    Cassazione Civile, sez. III, sent. n. 11524 23-05-2014

    Di Federico Bellini, 24-02-2015

    Cassazione Civile, sez. III, sent. n. 19282 12-09-2014

    Di Maura Castiglioni, 29 gennaio 2015

    Di Federico Belli, 9-02-2015

    Tribunale di Foggia, 15-11-2014

    Di Maurizio Tidona, 29 gennaio 2015

    Tribunale di Venezia 27-11-2014

    Tribunale di Venezia 27-11-2014

    Di Emanuela Montanari, 10-01-2015

    Di Emanuela Montanari, 10-01-2015

    Tribunale di Roma, sez. IX, sent. n. 14443 03-07-2014

    Cassazione Civile, sez. III, sent. n. 10645 15-05-2014

    Cassazione Civile, sez. I, sent. n. 23646 06-11-2014

    Cassazione Civile, sez. I, sent. n. 19792 19-09-2014

    Tribunale di Piacenza, sent. n. 757 27-10-2014

    Cassazione Civile, sez. I, sent. n. 6857 24-03-2014

    Cassazione Civile, sez. I, sent. n. 15609 09-07-2014

    Tribunale di Cagliari 11-09-2014

    Tribunale di Napoli, sez. esec. 04-06-2014

    Cassazione Civile, sez. I, sent. n. 19696 18-09-2014

    Cassazione Civile, sez. I, sent. n. 25841 18-11-2013

    Di Andrea Agnese, 02-10-2014

    Tribunale di Venezia 18-02-2014

    Di Roberto Marcelli, 22-09-2014

    Di Roberto Marcelli, 22-09-2014

    Tribunale di Milano 28-08-2014

    Di Elisa Tagliaro, 22-09-2014

    Cassazione Civile, sez. lav., sent. n. 19612 17-09-2014

    Tribunale di Milano, sent. n. 7234 03-06-2014

    Tribunale di Milano, sent. n. 7234 03-06-2014

    Tribunale di Roma, sez. VIII, sent. n. 11642 24-05-2014

    Tribunale Amministrativo Torino, sez. dist. di Piemonte, sez. I, sent. n. 932 23-05-2014

    Tribunale di Parma 25-07-2014

    Di Mariangela Balestra, 11 settembre 2014

    Tribunale di Arezzo, sent. n. 31 31-01-2014

    Tribunale di Mantova 11-06-2014

    Cassazione Civile, sez. VI, sent. n. 14887 01-07-2014

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    • 24 messages
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    » Dernière réponse le 10 Mai 2018, 21:12

    Merci de vos tГ©moignages.

    Avec quel(s) site(s) avez vous effectuГ© vos Г©changes aux USA svp?

    Site payant, attention aussi : Г©viter les sites mixtes proposant location et Г©changes car sites trГЁs opaques et propriГ©taires qui font croire qu’ils cherchent un Г©change mais louent leur maison sur d’autres sites. J’en ai essayГ© plusieurs qui ont leurs avantages et leurs inconvГ©nients. Je vous donne mon avis perso (20 ans d’Г©changes) mais Г§a n’engage que moi, dans ma situation, comme toujours. Troc maison le plus rГ©putГ©: le plus opaque, personne ne dit vraiment qu’il loue mais en fait beaucoup le font, surtout pendant les vacances d’Г©tГ©. Donc si vous allez chez eux en hiver et laissez votre maison avec piscine au bord de la mer l’Г©tГ©, Г§a marche. c’est ce qu’on appelle Г©change non simultanГ© (trГЁs bien pour les retraitГ©s, les rentiers, les personnes indГ©pendantes des vacances scolaires ou pour ceux qui louent leur maison quand ils viennent chez vous l’Г©tГ© : pas vraiment mon truc, je n’ai pas de rГ©sidence secondaire et n’ai pas envie d’aller au bord de la mer Г Majorque ou au Portugal en hiver. Il y a quand mГЄme des propriГ©taires qui jouent le jeu et ceux-lГ vous contactent mais quand vous Г©crivez Г vos prГ©fГ©rГ©s, beaucoup ne prennent mГЄme pas le temps de rГ©pondre en cliquant sur la rГ©ponse automatisГ©e et ne sont pas "pГ©nalisГ©s" c’est Г dire pas repГ©rables (Г la diffГ©rence d’autres sites qui donnent des "dГ©corations " pour ceux qui rГ©pondent ou indiquent le pourcentage de rГ©ponses des propriГ©taires). Dommage, on perd beaucoup de temps Г attendre et Г chercher. Je conseille de faire des envois groupГ©s Г plusieurs offres intГ©ressantes, en gГ©nГ©ral les personnes intГ©ressГ©es rГ©pondent rapidement (moins d’une semaine). Un bon site payant et pas trop cher, oГ№ les offres sont nombreuses et variГ©es et qui a des abonnГ©s sГ©rieux le plus souvent (nombreuses demandes et rГ©ponses quasi-systГ©matiques): Homeforexchange. Un autre site trГЁs sГ©rieux mais plus petit: BovilГ© (on ne paye que si on Г©change). Les Г©changes les plus faciles : destinations lointaines (AmГ©rique, Canada, Australie, Antilles, RГ©union. ) ou le "nord" (Bretagne, Paris, Pays-Bas, SuГЁde, NorvГЁge, Islande). Les plus difficiles (si on cherche une maison): GrГЁce, Croatie, Portugal, BalГ©ares, Canaries, Sardaigne.

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

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

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

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

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

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

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

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

    Garanzie del prestito personale

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

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

    Attenzione alla firma da garante !

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

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

    Chi può concedere il prestito personale ?

    Il prestito personale può essere erogato direttamente da:

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

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

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

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

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

    Attenzione alle richieste di informazioni on line !

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

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    Sa parfaite maоtrise des enjeux et des obligations de plus en plus complexes auxquels les entreprises sont confrontйes, en fait un conseil incontournable dans les prises de dйcisions stratйgiques.

    La ligne de mйtiers Fusions-Acquisitions du bureau de Gide а Paris, la plus importante de la place, compte dйsormais plus de 60 avocats, dont 18 associйs.

    Xavier de Kergommeaux, associй senior et Stйphane Puel, associй gйrant de Gide, indiquent : « Nous nous rйjouissons de retrouver Olivier Diaz, figure emblйmatique des Fusions-Acquisitions. Sa venue exprime parfaitement la dynamique de dйveloppement du cabinet et notre ambition de renforcer notre position de leader, notamment en rйunissant les plus grands spйcialistes du marchй dans les domaines clйs pour nos clients. »

    Olivier Diaz ajoute : « Je suis trиs heureux de retrouver le cabinet Gide et une culture dans laquelle je pourrai donner le meilleur. Je suis enthousiaste а lidйe de mengager pleinement aux cфtйs dйquipes de grande qualitй. Le rayonnement international du cabinet, que ce soit par ses implantations propres ou par son rйseau de cabinets partenaires de premier plan, constitue un puissant levier de dйveloppement. »

    Olivier Diaz prendra la tкte dune commission en charge dexplorer des relais de croissance avec les clients et les grands cabinets partenaires de Gide.

    Avocat inscrit au Barreau de Paris depuis 1990, Olivier Diaz intervient depuis plus de 25 ans sur les fusions-acquisitions complexes, les opйrations de private equity, le droit boursier et le droit des sociйtйs. Sa pratique couvre une vaste diversitй de transactions, notamment des acquisitions publiques ou privйes, acquisitions avec effet de levier, joint-ventures et restructurations dentreprises. Au cours de sa carriиre, Olivier a accompagnй ses clients sur des opйrations de fusions-acquisitions les plus importantes et les plus complexes de France, notamment dans les secteurs industriels, tels que les tйlйcoms, lйnergie, les institutions financiиres et lalimentaire. Il conseille йgalement les entreprises dans le cadre de problйmatiques complexes de gouvernance et est rйguliиrement consultй par les rйgulateurs sur des aspects boursiers et de droit des sociйtйs. Avant de retrouver le cabinet Gide dans lequel Olivier Diaz йtait associй entre 1990 et 1998, il a travaillй pendant deux ans au sein du cabinet Linklaters (1998-2000), quatorze ans au cabinet Darrois Villey Maillot Brochier (2000-2015) et trois ans au cabinet Skadden Arps Slate Meagher & Flom. Diplфmй de Sciences-Po (1985), Olivier est йgalement titulaire dune maоtrise en administration et gestion des affaires de lЙcole des hautes йtudes commerciales de Paris (1987).

    Gide est un intervenant majeur du marchй des fusions-acquisitions et du droit des sociйtйs. Les compйtences du cabinet couvrent lйventail complet des pratiques essentielles des fusions-acquisitions, des offres publiques au private equity en passant par le contentieux et les restructurations, et ce, dans les secteurs dactivitй les plus variйs.

    Gide est le premier cabinet davocats international dorigine franзaise. Fondй а Paris en 1920, le cabinet compte aujourdhui 14 bureaux dans le monde. Il rassemble 600 avocats, de 35 nationalitйs diffйrentes, reconnus parmi les meilleurs spйcialistes de chacune des branches du droit national et international de la finance et des affaires.

    Publiй le vendredi 23 mars 2018

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    Oficinas del SAT en el Estado de México, finanzas edo mex.

    #Finanzas #edo #mex

    Oficinas del SAT en el Estado de México

    Tema: Oficinas del SAT en el Estado de México

    Finanzas edo mex

    Es importante que el contribuyente se informe antes sobre los trámites y servicios que brinda el Servicio de Administración Tributaria (SAT). Una de las primeras cosas que se debe hacer es identificar el perfil al que se pertenece, para saber el tipo de trámite que se tiene que realizar.

    ¿Cuál es el perfil del contribuyente?

    El perfil del contribuyente se divide en dos: Los individuos y las empresas, ambos con sus respectivas clasificaciones.

    Arrendadores de inmuebles

    Empresas con fines no lucrativos

    A continuación proporcionamos la dirección de las oficinas, el número telefónico para realizar las citas y el horario de atención al contribuyente.

    Cualquier duda consultar la página del SAT.

    Av. Nezahualcóyotl No. 14 P.B., Col. Centro, (Guerrero y Juárez) C.P. 56100, Texcoco, Edo. de México. Citas 01 800 46 36 728

    Lunes a Viernes de 8:30 a 14:30 hrs.

    Av. Sor Juana Inés de la Cruz No. 100, esq. Indio Triste, Col. Metropolitana 2a. Secc., C.P. 57730, Nezahualcóyotl, Edo. de México.

    Citas01 800 46 36 728

    Lunes a Viernes de 8:30 a 14:30 hrs.

    Temoaya S/N, (Av. 1ro. de Mayo y Jiménez Cantú, sobre Paseo Atoyocan), Col. Centro, C.P. 54700, Cuautitlán Izcalli, Edo. de Méx. Citas 01 800 46 36 728

    Lunes a Viernes de 8:30 a 14:30 hrs.

    Av. 16 de Septiembre No. 784, Col. Alce Blanco, (Fraccionamiento Industrial Entre Agustín Millán y calle 5) C.P. 53370, Naucalpan, Edo. de Méx. Citas 01 800 46 36 728

    Lunes a Viernes de 8:30 a 14:30 hrs.

    Av. Sor Juana Inés de la Cruz, No. 22 P.B., Mariano Escobedo esquina Tenayuca, Col. Centro, C.P. 54000, Tlalnepantla, Edo. de Méx. (se encuentra en la parte posterior del Hotel “Fiesta Inn”). Citas 01 800 46 36 728

    Lunes a Viernes de 8:30 a 14:30 hrs.

    (MST) Ecatepec de Morelos, Center Plaza

    Life Insurance – Insured Life, life insurance and critical illness cover.

    #Life #insurance #and #critical #illness #cover

    life insurance and critical illness cover

    These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.

    Life insurance and critical illness cover

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    The Financial Conduct Authority

    The FINANCIAL CONDUCT AUTHORITY (FCA) – is a financial regulatory body in the United Kingdom, but operates independently of the UK government, and is financed by charging fees to members of the financial services industry. The FCA regulates financial firms providing services to consumers and maintains the integrity of the UK’s financial markets. It focuses on the regulation of conduct by both retail and wholesale financial services firms.

    The Financial Conduct Authority | 25 The North colonnade | Canary Wharf | London | E14 5HS

    Insured Life is a trading name of PBS Co (UK) Limited (FCA Registration Number: 732728).

    PBS Co (UK) Limited 1st Floor Kirkdale House, 7 Kirkdale Road, Leytonstone, London, E11 1HP.

    Whose Products Do We Sell?
    • We offer products from a range of insurers for life insurance and critical illness cover.
    • We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
    • As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
    • We sometimes get preferential rates on selling policies which we pass on to you.
    • We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
    What Service Do We Offer?
    • You will not receive financial advice from us. We will ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed, once presented with the facts.
    • We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simply used as a guide for you when deciding how much cover you may need. We do not offer financial advice at any time.
    How Much Does Our Service Cost?
    • NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
    • You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
    • We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
    Who Regulates Us?

    Insured Life is a trading name of PBS Co (UK) Limited who are authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation under the firm license number: 732728

    Our permitted business is administering and arranging general insurance contracts. You can check this on the FCA’s Register by visiting the FCA’s website.

    PBS Co (UK) Limited 1st Floor Kirkdale House, 7 Kirkdale Road, Leytonstone, London, E11 1HP.

    Have a Complaint?

    If you wish to register a complaint, please contact us:

    In writing: PBS Co (UK) Limited | C/O InsuredLife Complaints Department.

    1st Floor Kirkdale House, 7 Kirkdale Road, Leytonstone, London, E11 1HP.

    By Telephone: 0800 037 3000

    If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Please ask us for more information.

    Are We Covered by the Financial Services Compensation Scheme?

    We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

    Insurance advising and arranging is covered for 90% of the claim with no upper limit.

    Further information about compensation scheme arrangements is available from the FSCS.

    Home – NSM Workers Compensation Insurance Program

    #gagliardi #insurance


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    Experience Matters in Workers’ Compensation

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    • In-house underwriting capability with a designated claims team helps set you apart
    • For nearly 25 years, we have offered market leading underwriting and service with a combination of solid financial backing and comprehensive protection

    NSM Insurance Group is a name you trust: For more than 25 years, we have offered market leading underwriting and service with a combination of solid financial backing and comprehensive protection.

    Writing Business With Us Is Easy

    • Deep product line expertise in workers’ compensation is at your disposal
    • We’re here to help you insure your clients
    • Our programs are available on a national basis
    • Top-rated national carriers provide financial stability and peace of mind
    • You’ll receive responsive turnaround time on quotes and policy issuance
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    Learn More About Our Workers’ Compensation Programs

    We invite you to learn more about AllComp and how we can help you increase your agency’s book of business. Please call Geoff Pratt at 800-970-9778, ext. 154. or complete the contact form on this page, for more information.

    Undergraduate Admissions – North Carolina A – T State University, north carolina state university undergraduate admissions.

    #North #carolina #state #university #undergraduate #admissions



    North carolina state university undergraduate admissions

    North carolina state university undergraduate admissions

  • North carolina state university undergraduate admissions

  • North carolina state university undergraduate admissions

    In this section

    What can you study?

    As an Aggie, you’ll receive a strong academic background, encouragement and support to set your sights high. The A T community will foster your creativity and excellence to extend beyond the classroom into an exciting, rewarding career. A degree from A T really pays off. Employers know that our learning by doing focus and real-world experiences translate into better-prepared, better-educated employees. Together, we will achieve more than you ever imagined!

    Our rigorous and mind-expanding academics are offered through seven colleges and more than 177 undergraduate degree programs. A welcoming, diverse campus life and a supportive community of friends, faculty, staff and alumni who all have one goal in mind – your success!

    Office of Undergraduate Admissions

    North Carolina A T State University

    1601 East Market Street

    Greensboro, N.C. 27411

    (336) 334-7946North carolina state university undergraduate admissions or (800) 443-8964North carolina state university undergraduate admissions

    N.C. A T does not discriminate against employees, students, or applicants on the basis of age, color, disability, gender, gender identity, gender expression, national origin, political affiliation, race, religion, sexual orientation, genetic information, veteran status, or any other basis protected by law. For inquiries regarding non-discrimination policies, contact the Title IX Coordinator at [email protected]


    North carolina state university undergraduate admissions

    “My interest in nontraditional healing methods sparked my interest in SIT s China” More.


    For some people, it can take decades for them to find their passion More.


    Karreem knew he was destined to become an engineer. More.


    “The way I feel about life and work is that everyone is destined to do something.”More.



    “I really love A T. It s a great learning environment. The professors are really helpful and they care about our success. More.


    Major: Interdisciplinary Leadership

    She grew up in a small rural town in eastern North Carolina and was raised in a working, middle-class family More.

    North carolina state university undergraduate admissions

    Points of Pride

    • Academic
    • Athletic
    • Arts

    North carolina state university undergraduate admissions

    Largest HBCU

    N.C. A T is the largest public HBCU in the nation

    North carolina state university undergraduate admissions


    N.C. A T is the No. 1 producer of engineering degrees on the undergraduate level awarded to African Americans.

    North carolina state university undergraduate admissions

    Admired CEO

    Chancellor Harold Martin Sr. is named among the Triad s Most Admired CEOs by the Triad Business Journal.

    North carolina state university undergraduate admissions

    Academic Excellence

    The university s Center for Academic Studies in Identify Science is the first and only National Intelligence Science and Technology CASIS in the United States.

    North carolina state university undergraduate admissions

    Higher Research Activity

    N.C. A T is classified as an R2: Doctoral University of Higher Research Activity by the prestigious Carnegie Classification of Institutions of Higher Education.

    North carolina state university undergraduate admissions

    Teaching / Research

    N.C. A T is the highest-ranked public school for combining research and teaching by the Wall Street Journal.

    North carolina state university undergraduate admissions

    Engineering Professor and Student

    N.C. A T is an inaugural and pioneering tenant of the innovative Union Square Partnership for healthcare training.

    North carolina state university undergraduate admissions

    2016 MEAC Champs

    N.C. A T Women s Basketball team are the 2016 MEAC Champions

    North carolina state university undergraduate admissions

    Bowl Champs

    Aggies win 2015 Inaugural Air Force Reserve Celebration Bowl and Black National Championship.

    North carolina state university undergraduate admissions

    Tarik Cohen

    Running back Tarik Cohen broke the university and MEAC record becoming the MEAC all-time leading rusher.

    North carolina state university undergraduate admissions

    Hall of Fame

    The 1968 Aggies football team was inducted into the N.C. A T Sports Hall of Fame as the first A T team to win a black college national championship.

    North carolina state university undergraduate admissions

    Aggie Track Field

    Three track field athletes are named to the NCAA All-Academic team for excellence in their events and in the classroom; maintaining a minimum 3.25 GPA.

    North carolina state university undergraduate admissions

    Kim Terrell-Kearney

    Former professional bowler Kim Terrell-Kearney named N.C. A T bowling coach

    North carolina state university undergraduate admissions

    Track Field Ranking

    The United States Track Field and Cross Country Coaches Association ranked A T men s track and field team among the top-25 in program history.

    North carolina state university undergraduate admissions

    Gail Wiggins

    JOMC Professor Gail Wiggins selected as the NABJ Educator of the Year

    North carolina state university undergraduate admissions

    PALO! Lyceum Series

    The Band PALO! performed at N.C. A T for the Lyceum Series

    North carolina state university undergraduate admissions

    CD – Jazz Preeminence

    A T Theatre arts performs first production of Radio Golf by African American playwright August Wilson.

    North carolina state university undergraduate admissions


    The Theatre Program at A T was the first accredited Bachelor of Fine Arts (BFA) at an HBCU in North Carolina; second in the nation.

    North carolina state university undergraduate admissions

    Black Nativity performances

    The Theatre Arts Program is nationally ranked by Black Broadway as one of the top five Theatre Arts programs for African American students

    North carolina state university undergraduate admissions

    Travis Alexander

    Travis W. Alexander has been named National Conductor for the 105 Voices Of History National Concert Choir

    North carolina state university undergraduate admissions

  • Navigate blockchain services in the public cloud, vdi virtual desktop integration.

    #Vdi #virtual #desktop #integration


    Navigate blockchain services in the public cloud

    Vdi virtual desktop integration

    AWS, Azure and Google have entered the world of blockchain. See how this new technology could play a role in your business and learn the deployment challenges in public cloud.

    • Share this item with your network:
    • A blockchain database takes a village SearchCIO
    • Hip to be square: Microsoft gets in early on . SearchCIO
    • Why the use of blockchain in the cloud is growing . SearchCloudSecurity
    • When It Comes to Cloud Security, What You Don’t Know Can Hurt You
    • 4 Steps to Big Data Transformation in the Cloud Rackspace
    • See More
    • CIO Trends #4: Benelux
    • CIO Trends #2

    The exact role of blockchain in the business is still up for debate, but interest in the technology is high –.

    Continue Reading This Article

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    and cloud is at the center of it all. So, it’s not surprising that leading public cloud providers, including Amazon Web Services, Microsoft Azure and Google, have rolled out their own blockchain services.

    And for enterprises, these services can help simplify adoption.

    It can be easier and more cost-effective to use a blockchain service from a public cloud provider if the alternative is to stand up your own infrastructure, said Martha Bennett, analyst at Forrester Research.

    Microsoft has made a particularly good start, according to Bennett. The vendor has partner sandboxes within the Azure Marketplace and now offers blockchain software for operation within Azure. The company also targets the development of enterprise-level blockchain services. For instance, Azure’s Project Bletchley introduces a secure middleware into blockchain applications.

    Amazon Web Services (AWS) and Google also support blockchain. For example, GFT Technologies, an IT consultant for the financial services industry, joined Google’s Partner Program with plans to deploy its distributed ledger blockchain incubator test infrastructure for banks on Googles Cloud Platform. This allows enterprises to simulate real-world distributed ledger operations.

    Similarly, AWS provides sandboxing capabilities to companies eyeing blockchain opportunities, such as the Digital Currency Group, which collaborated with the cloud vendor to create a blockchain-as-a-service offering for financial services firms.

    Vdi virtual desktop integration

    Blockchain services are a natural extension of the additional, higher-level features increasingly found on top public cloud platforms, said Peter Loop, associate vice president and senior principal technology architect at Infosys Ltd., an IT consulting firm based in Palo Alto, Calif. Some enterprises have advanced the discussion from how the cloud can reduce IT costs to how the cloud can enable new technologies, including blockchain.

    To be able to do a proof of concept with little to no hardware or software cost and no lead time is very, very compelling, Loop said. Only the cloud providers and telcos have the network infrastructure to connect a large-scale, distributed network.

    Challenges with blockchain services in the cloud

    The same challenges that are present in any cloud deployment with a large provider also apply to blockchain. For example, vendor lock-in is a risk and, because blockchain, in general, is still a nascent technology, users need to understand what works and what doesn’t — especially at scale, Bennett noted.

    No one has really run [blockchain] at scale except Bitcoin, which runs at scale but has limited throughput and huge latency issues, she said.

    Even if you successfully deploy blockchain in the public cloud, you must architect your network to avoid single points of failure that cause downtime or performance issues. Bennett suggests using providers’ different availability zones to mitigate these risks. For instance, AWS has 42 availability zones within 16 regions and Microsoft has 34 global regions — with more on the way — which helps support decentralization, she said.

    Distribution is key for successful blockchain adoption

    The more you distribute blockchain networks, the more resilient they become, according to Stewart Bond, research director at IDC. Likewise, the more participants on a blockchain network, the more trusted the blockchain application is.

    Blockchain services in the cloud are less invasive to enterprise IT environments because they don’t require investment in infrastructure. As a result, the cloud makes it easier for organizations to become part of a blockchain network, which allows for scale, and, therefore, more resiliency and trust.

    The only other option is for developers and organizations to build their own blockchain infrastructure, Bond said. However, blockchain is about distribution, not centralization.

    Next Steps

    How can blockchain help secure the internet of things?

    Austin, Texas – Schools, Colleges, Jobs, and City Information, computer colleges in texas.

    #Computer #colleges #in #texas


    Austin, Texas

    The capital of Texas, Austin is one of the largest cities in the United States and located in central Texas. It is an hour and twenty minutes north of San Antonio, and a little over three hours northwest of Houston. The city typically experiences warm weather year round. The coldest month of the year is January with an average daily temperature of almost 60 degrees. July and August are the warmest months of the year with average daily temperatures around 95 degrees.

    Native Americans inhabited the area that is now Austin before the first European settlers arrived and established a settlement around 1835. Austin was founded as the village of Waterloo in 1837. Waterloo was chosen to become the capital of the Republic of Texas in 1839. At that time, its name was changed to Austin to honor Stephen F. Austin, the “father of Texas”. Other key dates in Austin’s history include:

    • In 1845, Texas was admitted into the Union and Austin became a state capital
    • From 1861 to 1865, Austin and the rest of Texas were part of the Confederate States of America
    • In 1881, Austin public schools opened
    • In 1888, the Texas State Capitol was completed
    • In 1900, a storm washed away the Great Granite Dam and sent a wall of water into downtown Austin creating a lot of destruction and killing dozens

    Austin Arts and Culture

    Austin is a center for arts and culture. Austin offers gardens, museums, the performing arts, and more. Some of Austin’s more notable gardens and museums include:

    • The Austin Museum of Art-Laguna Gloria
    • The Bob Bullock Texas State History Museum
    • The Lady Bird Johnson Wildflower Center
    • The Lyndon Baines Johnson Library and Museum
    • The Texas Memorial Museum
    • The Umlauf Sculpture Garden and Museum
    • The Zilker Botanical Gardens

    For patrons of the performing arts, Austin is home to many fine performing arts attractions. Some of the more notable include:

    • The Austin Chamber Music Center
    • The Austin Civic Chorus
    • The Austin Civic Orchestra
    • The Austin Lyric Opera
    • The Austin Symphony Orchestra
    • Ballet Austin
    • The Paramount Theatre
    • The Zachary Scott Theatre

    Austin also plays host to numerous festivals every year, including an annual film/music/multimedia festival known as South by Southwest, the Austin City Limits Music Festival, Carnaval, Eeyore’s Birthday Party, the Old Settler’s Music Festival, the Urban Music Festival, and more.

    Austin Sports and Leisure

    Austin has a very nice offering of sports attractions, including:

    • Baseball – The Minor League Baseball (MiLB) Round Rock Express play in nearby Round Rock, Texas. The Round Rock Express are a Triple-A affiliate of the Houston Astros.
    • Basketball – The NBA Development League Austin Toros.
    • Football – The Arena Football League (AFL) Austin Wranglers.
    • Hockey – The Central Hockey League (CHL) Austin Ice Bats.
    • Soccer – The United Soccer League (USL) Premier Development League Austin Lightning.

    Austin is also a center for bicycling and is home to several cycling groups as well as Lance Armstrong.

    Austin “Must See” Attractions

    Austin has attractions too numerous to do justice in a simple list. Some of Austin’s more notable and unique attractions include:

    • Austin City Limits, the longest-running music show on television
    • Austin is home to North America’s largest urban bat population
    • The Lyndon Baines Johnson Library and Museum
    • The Texas State Capitol

    Austin at Night

    Austin promotes itself as the live music capital of the world and boasts over a hundred live music venues. Sixth Street is a famous destination for nightspots. Good sources of information about events and happenings include the free alternative weekly Austin Chronicle, or the Austin American Statesman‘s “XLent” supplement published weekly on Thursday.

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  • Kombireisen Afrika, Rundreisen mit Badeurlaub, Kombinationsreisen, reisen afrika.

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    Wer an eine Afrika Reise denkt, stellt sich vor allem Safari und spektakuläre Natur vor, doch gibt es in einigen afrikanischen Ländern die Möglichkeit um aus dem Afrika Urlaub eine Kombireise zu machen. Dabei erlebt man nicht nur tolle Naturhighlights und Tiere in freier Wildbahn, sondern man verbindet das ganze mit einem erholsamen Strandurlaub.

    Interesse an einer Reise nach Afrika?

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    Rundreise Südafrika mit individueller Badeverlängerung

    Mit circa 3000 Kilometern Küste eignet sich wohl kein anderes afrikanische Land so gut für eine Rundreise mit Badeverlängerung wie Südafrika. Hier gibt es nicht nur atemberaubende Landschaften und spektakuläre Tierwelten zu entdecken, sondern auch traumhaften Strände die zum Entspannen, Baden und Spazieren gehen einladen. Besonders entlang der Garden Route werden Sie auf einer Rundreise durch Südafrika spektakuläre Buchten mit kilometerlangen Sandstränden besuchen können.

    An Südafrikas Küste verbinden sich zwei Ozeane, im Westen der Atlantik und im Osten der Indische Ozean. Während das Wasser im Atlantischen Ozean eher kühl ist, kann man im Indischen Ozean angenehme Badetemperaturen erwarten. Besonders beliebt sind die Strände Südafrikas auch bei Surfern. Jeffreys Bay beispielsweise wurde als der zweitbeste Ort zum Surfen ernannt und dementsprechend findet man dort die besten Bedingungen um selbst aufs Brett zu steigen – wer nicht selbst surft bewundert einfach die Profis. Fragen Sie doch eine individuelle Badeverlängerung zu Ihrer Individualreise durch Südafrika an und erleben Sie einige der schönsten Strände der Welt.

    Tansania Rundreise mit Badeverlängerung

    Eine Rundreise durch Tansania ist die perfekte Möglichkeit um die Highlights des Landes mit einem Strandurlaub an der einsamen Festlandküste oder auf Sansibar zu verbinden. Das Land bietet unglaublich viel zu entdecken. Lassen Sie sich von der beeindruckenden Landschaft die von Gebirgen, Savanne und Regenwald beherrscht wird, mitreißen. Auch der Victoriasee ist ein absolutes Highlight auf der Reise durch Tansania. Besonders beliebt für den Strandaufenthalt während einer Kombireise in Tansania ist Sansibar. Auf der Insel lässt sich der Urlaub entspannt ausklingen, während man am weißen Strand liegt und sich die Sonne auf den Bauch scheinen lässt.

    Ein Beispiel für eine interessante Tansania Rundreise mit Badeverlängerung bietet die Tansania und Sansibar Tour – Entdecken, begegnen und genießen. Die Tour verbindet das südliche Hinterland Tansanias, das noch nicht sonderlich touristisch ist, mit dem orientalischen Flair der Gewürzinsel Sansibar. Auf dem Plan stehen für Reisende eine Safari, das Kennenlernen afrikanischer Kultur und Menschen sowie spektakuläre Naturhighlights. Gekrönt wird die Tansania-Reise mit dem Aufenthalt auf Sansibar, wo Sie einige Tage am weißen Sandstrand entspannen können.

    Kenia Rundreise und Baden

    Während einer Rundreise durch Kenia kann man ein ganz besonderes Abenteuer erleben. Die „Big Five“ während einer Safari bestaunen, die verschiedenen Landschaften aus Gebirgsketten, Savanne und Grassteppen erkunden, die Kultur der Massai kennen lernen und die multikulturelle Stadt Mombasa besuchen – Das sind wohl die Programmpunkte die bei fast jeder Kenia Reise auf dem Plan stehen. Aber auch dieser afrikanische Staat bietet sich mit seinen weißen Traumstränden bestens an für einen Strandurlaub im Anschluss an die Rundreise.

    Als der perfekte Ort für den Strandurlaub in Kenia eignet sich der Diani Beach. Dieser 25 Kilometer lange Strandabschnitt bietet Besuchern weißen, sanft abfallenden Strand, türkisblaues Wasser und Palmen die sich sanft im Wind wiegen. Der Diani Beach ist ein absolutes Traumziel um den Abenteuerurlaub durch Kenia ausklingen zu lassen. Ein Besuch an der Küste eignet sich vor allem um dem deutschen Winter zu entfliehen, denn dann ist es dort angenehm warm und recht trocken. Fragen Sie einfach individuell an und wir erstellen Ihnen Ihre Traum Kombireise aus Abenteuer und Badeurlaub in Kenia.

    Rundreise Mosambik mit Badeverlängerung

    Der afrikanische Staat Mosambik bietet nicht nur traumhafte Landschaft und einzigartige Tierwelten, sondern auch paradiesische Strände. Um eine Kombination aus beidem zu erleben, sollten Sie sich für eine Kombireise aus Rundreise und Badeurlaub entscheiden.

    Die Individualreise Mosambik Südafrika – Im Schatten der Mangobäume ermöglicht genau das. Auf dieser Reise erleben Sie die „Big Five“ auf einer Safari im Krüger- und Limpopo Nationalpark hautnah und besuchen die Hauptstadt Maputo. Weitere kulturelle Begegnungen machen Sie während Besuchen in Fischerdörfern und Kolonialstädtchen. An der Küste erleben Sie die tollen Strände Mosambiks und als weiteres Highlight geht es auf eine „Ocean-Safari“ auf der Sie Walhaie, und mit etwas Glück auch Rochen, Delfine und Buckelwale sehen können.

    Kap Verden Rundreise und Strandurlaub

    Auch die Kapverdischen Inseln im Atlantischen Ozean bieten sich als Destination an, um eine Rundreise über die Inseln mit einem Badeurlaub zu verbinden. Die Inseln bieten besonders für Naturliebhaber wunderschöne Landschaften und Gebirge die zu ausgiebigen Wanderungen einladen. Gleichzeitig kann man während einer Kap Verden Rundreise an den schönen Stränden auch einen tollen Badeurlaub verbringen.

    Eine solche Kombination Rundreise mit Badeverlängerung bietet Beispielsweise die Individualreise Kapverden Santo Antão – Montanha e Mar. Auf dieser Tour über die Insel wird viel gewandert, da man die atemberaubenden Pfade und Landschaftspanoramen am besten zu Fuß erlebt. Während der Rundreise über die Insel bekommen Sie tolle neue Eindrücke und lernen Land und Leute kennen. Gekrönt wird die Reise durch den Aufenthalt auf der Badeinsel Sal. Hier können Sie vor der Heimreise nochmal richtig entspannen, Sonne tanken oder an den verschiedensten Wassersportaktivitäten teilnehmen.

    Fazit Afrika Safari und Badeurlaub

    Eine Kombireise aus Safari und Badeurlaub in Afrika ist sicherlich eine perfekte Möglichkeit seinen Urlaub in Afrika zu verbringen. Safari plus Badeurlaub bedeute spektakuläre Abenteuer und Naturerlebnisse mit Erholung pur an den schönsten Ständen Afrikas. Kontaktieren Sie uns für ein persönliches Angebot unserer Afrika Kombireisen Safari und Baden.

    Fonds Dotation, fonds de.

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    Depuis le 25 janvier 2015, date de publication au Journal Officiel du d cret du 22 janvier 2015 fixant le montant minimum de la dotation en capital initiale des fonds de dotation, tous les nouveaux fonds doivent justifier, au moment de leur cr ation, d une dotation d au moins 15 000 .

    Le projet de d cret relatif la dotation initiale des fonds de dotation, qui avait t rendu public pour avis fin 2014, pr voyait de modifier le d cret du 11 f vrier 2009 en instaurant les deux r gles suivantes.

    Le fonds de dotation dispose, plus que la fondation reconnue d’utilitй publique, de la capacitй а constituer un outil (pйrenne ou temporaire) efficace et attractif de gestion de participations, notamment majoritaires, dans le capital de sociйtйs.

    Dans la catйgorie des organismes а but non lucratif de droit franзais, le fonds est l’outil le plus adaptй pour gйrer, en particulier, le capital philanthropique que peuvent vouloir constituer des entrepreneurs au cours de la vie sociale de leur entreprise ou aprиs la cession de cette derniиre.

    Bien entendu, la finalitй du fonds devra pour autant rester conforme а sa mission qui est de dйvelopper et/ou de soutenir des activitйsA d’intйrкt gйnйral (au sens fiscal), et non de favoriser le dйveloppement de sociйtйs commerciales.

    Sur le site internet officiel du ministиre de l’Йconomie consacrй aux fonds de dotation, а la question de savoir s’il йtait possible de constituer un fonds sans dotation en capital initiale, il йtait rйpondu qu’« il n’y a pas de montant minimum et pas d’obligation de dotation initiale au moment de la crйation ». Cette prйcision avait йtй confirmйe а plusieurs reprises oralement par Catherine Bergeal lorsqu’elle йtait directrice des affaires juridiques des ministиres financiers.

    De mкme, dans le rapport n°908 prйsentй en 2008 par le dйputй Jean-Paul Chariй sur le projet de loi de modernisation de l’йconomie, la possibilitй de constituer un fonds sans dotation est йtait йgalement mentionnйe.

    Le 31 mars dernier, l’administration а publiй au Journal officiel un avis par lequel l’activitй d’un fonds de dotation est suspendue pour 2 mois.

    Les motifs de la suspension d’activitй sont les suivants : « absence d’йtablissement des comptes, de dйpфt des comptes auprиs de l’autoritй administrative et de publicitй des comptes par le fonds de dotation ».

    Cette dйcision est une premiиre et offre l’occasion d’un retour sur le contrфle qui s’exerce sur les fonds de dotation.

    L’administration fiscale vient de rendre publique le projet d’instruction commentant les modifications lйgislatives intervenue il y a maintenant plus de deux ans en matiиre de territorialitй des dons.

    Les espoirs de voir l’administration assouplir et mieux prйciser sa doctrine semblent кtre dйsormais bien minces.

    Cette rйunion, qui s’est tenue le 8 dйcembre 2011, a йtй ouverte par le directeur adjoint du cabinet du Ministre de l’йconomie, des finances et de l’industrie, qui a rappelй l’intйrкt qu’il attache au succиs et au dйveloppement des fonds de dotation.

    Le comitй a entendu un reprйsentant de la Compagnie nationale des commissaires aux comptes (CNCC), le chef du bureau des libertйs publiques et de la citoyennetй de la prйfecture de Paris, ainsi que le directeur gйnйral du fonds de dotation du Louvre et la prйsidente du CA du fonds de dotation de l’Association pour le droit а l’initiative йconomique (ADIE).

    Fonds deLes textes lйgaux et rиglementaires relatifs aux fonds de dotation ne prйvoient pas l’existence d’un registre spйcial sur lequel seraient notй les changements les plus importants intervenus dans le fonds (dirigeants, adresse du siиge, statuts, etc.) et qui constituerait la mйmoire juridique de ce dernier (а l’instar de ce qui est prйvu pour les associations).

    C’est ce que rappelle notamment une rйcente rйponse ministйrielle.

    Une rйponse ministйrielle apporte une nouvelle confirmation au sujet du caractиre dйsintйressй de la gestion des fonds de dotation crййs par des associations.

    Dans de prйcйdents articles, en nous appuyant tant sur le caractиre « dйstructurant » des fonds de dotation que sur les prйcisions orales apportйes dиs le mois de novembre 2008 par la direction juridique de Bercy, nous avions estimй qu’une association pouvait tout а fait envisager de crйer son fonds de dotation et d’кtre le principal bйnйficiaire des versements de ce dernier.

    Les modalitйs d’application de la procйdure d’agrйment instituйe fin 2009 par le lйgislateur entrent en vigueur dиs le 3 mars.

    En effet, attendu depuis plus d’un an, le dйcret n°2011-225 du 28 fйvrier 2011 vient d’кte publiй au Journal officiel (JO du 2 mars).

    Il prйcise йgalement les obligations dйclaratives incombant aux donateurs franзais pour les dons qu’ils effectuent au profit d’organismes d’intйrкt gйnйral dont le siиge est situй dans un Etat membre de L’union europйenne ou dans un Etat partie а l’EEE ayant conclu avec la France une convention fiscale contenant une clause d’assistance administrative en vue de lutter contre la fraude.

    Ces dispositions ne concernent donc par les organismes d’intйrкt gйnйral ayant leur siиge en France (associations, fondations ou fonds de dotation) mais les donateurs franзais souhaitant consentir un don а un organisme йtranger, c’est а dire а des “concurrents” des organismes franзais.

    Ce dйcret est complйtй par un arrкtй du mкme jour qui fixe le modиle de la demande d’agrйment а prйsenter par ces organismes йtrangers et les coordonnйes du service fiscal chargй de l’instruire.

    Ces textes devraient кtre suivis d’une instruction fiscale qui fera plus largement le point sur la question de la territorialitй des dons.

    Le rйgime du don transfrontalier peut donc кtre prйsentй de la faзon suivante.

    Fonds deLa loi du 4 aoыt 2008 dite “de modernisation de l’йconomie”, qui a notammant instituй en France les fonds de dotation, contenait un article 165 qui donnait 12 mois au gouvernement franзais pour rendre applicables en Nouvelle-Calйdonie ses dispositions par voie d’ordonnance.

    En effet, aux termes de l’article 74-1 de la constitution : « Dans les collectivitйs d’outre-mer visйes а l’article 74 et en Nouvelle-Calйdonie, le Gouvernement peut, dans les matiиres qui demeurent de la compйtence de l’Etat, йtendre par ordonnances, avec les adaptations nйcessaires, les dispositions de nature lйgislative en vigueur en mйtropole, sous rйserve que la loi n’ait pas expressйment exclu, pour les dispositions en cause, le recours а cette procйdure.

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  • Более 25 лучших идей на тему «Серые гостиные комнаты» на Pinterest, Декор серого дивана, Диван нейтрального цвета и Декор зала, cocinas diseño blancas.

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    London Film – Comic Con, july sign.

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    Showmasters London Film Comic Con will be taking over the whole of the Olympia in London in July. Taking place on Friday 28th, Saturday 29th and Sunday the 30th of July 2017, London Film Comic Con promises to bring you some of your favourite stars from TV, Film and Comics as well as a whole host of fun activities including photo shoots, panels, autograph sessions and hundreds of stalls full of TV and Film memorabilia to browse.

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    How Should a Christian View Marriage and Divorce, Focus on the Family, divorce in christianity.

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    Focus on the Family

    How Should a Christian View Marriage and Divorce?

    By Amy Desai, J.D.

    Divorce in christianity

    God, the Creator of humanity and of marriage itself, has laid out His plan for marriage as a lifelong union. God knows this design is the best. When we stray from His plan, as we have seen in the studies mentioned above, the results are damaging on many levels.

    Unfortunately, the divorce rate in the church is comparable to that of the culture at large. Many Christians see nothing wrong with divorce, at least in their own particular situation. But the Bible clearly addresses marriage and divorce.

    Marriage is the first institution created by God. God made the first man, Adam, but declared that it was not good for Adam to be alone. He then brought to Adam all the animals, which Adam named, but “no companion suitable for him” was found (Genesis 2:20, NLT). God was revealing to Adam his incomplete nature. God then created a woman, Eve, for Adam. He blessed them and their union and gave them the earth to rule over. (See Genesis 1:27-28.) The creation of marriage occurred prior to sin’s entrance into the world. It was a part of God’s perfect design for mankind.

    Focus on the Family s Hope Restored Marriage Intensives help thousands of couples on the brink of divorce through customized, intimate programs that offer professional help at our Branson Retreat Center in Branson, Missouri, or WinShape Marriage Retreat Center in Rome, Georgia.

    Through the prophets, God emphasized three principles:

    1. Marriage is sacred
    2. God hates divorce
    3. Marriage is designed to produce children of good character. (See Malachi 2:13-16)

    Jesus underscored the importance and sacredness of lifelong marriage in His own teachings. (See Matthew 19:6.)

    The apostle Paul further taught that the marital relationship is to be an ongoing demonstration of the sacrificial love that Christ showed His church. (See Ephesians 5:21-33.)

    Let’s look at this issue more closely. Specifically, what does the Bible tell us about divorce? Malachi 2:13-16 gives us a clear look into God’s heart for marriage:

    Another thing you do: You flood the Lord’s altar with tears. You weep and wail because he no longer pays attention to your offerings or accepts them with pleasure from your hands. You ask, “Why?” It is because the Lord is acting as the witness between you and the wife of your youth, because you have broken faith with her, though she is your partner, the wife of your marriage covenant. Has not the Lord made them one? In flesh and spirit they are His. And why one? Because He was seeking godly offspring. So guard yourself in your spirit, and do not break faith with the wife of your youth. “I hate divorce,” says the LORD God of Israel.

    Jesus Christ reiterated the importance and permanence of marriage. Matthew 19:3-6 (NIV) says, “Some Pharisees came to Him to test Him. They asked, ‘Is it lawful for a man to divorce his wife for any and every reason?'”

    “Haven’t you read,” He replied, “that at the beginning the Creator ‘made them male and female,’ and said, ‘For this reason a man will leave his father and mother and be united to his wife, and the two will become one flesh”? So they are no longer two, but one. Therefore what God has joined together, let man not separate.”

    Because, as an attorney, I’ve represented many people going through divorce, I understand why God says, “I hate [it]!” Divorce is the tearing apart of the foundation of all stable societies the family. Sometimes, it’s necessary. Sometimes, it’s even unavoidable. (In Colorado, for example, if one spouse files for divorce, the other cannot stop it from occurring.) Nonetheless, it’s important that we in the Body of Christ encourage those in troubled marriages to seek counseling and restoration because most divorces are neither necessary nor unavoidable.

    But are there any cases in which the Bible allows divorce? Many Christians disagree about whether the Bible allows divorce and/or remarriage. If you are concerned about whether you have biblical grounds for divorce, you will need to commit the matter to prayer and study. You should also seek out counsel from your own pastor and, ideally, a licensed Christian counselor. The question of sin cannot be taken lightly. But biblical grounds may exist:

    1. When one’s mate is guilty of sexual immorality and is unwilling to repent and live faithfully with the marriage partner. Jesus’ words in Matthew 19:8-9 indicate that divorce (and remarriage) in this circumstance is acceptable. That passage reads:

  • When one spouse is not a Christian, and that spouse willfully and permanently deserts the Christian spouse (1 Corinthians 7:15).
  • Focus on the Family’s position is that divorce and remarriage appear to be justified in Scripture only in a few instances. There is a third instance in which we believe remarriage is acceptable in Scripture. That instance is when an individual’s divorce occurred prior to salvation.

    If you are a follower of Jesus Christ, please pray carefully about your decision to divorce, and be open to God’s leading. (God’s heart is to heal marriages.)

    If your spouse is the one deciding on divorce, you may not be able to stop him or her through current divorce laws. However, you can try to persuade your spouse to consider a legal separation first, which would give you both more time to consider the issue.

    Pray that God will open the lines of communication between you and your spouse and that He will restore the love in your relationship. And pray for patience and a forgiving spirit. Try to resist the temptation to say angry words to your spouse or do things that would push him or her further away. Restoration does occur even in the most hostile circumstances, but it is more difficult when harsh words have passed between you.

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    Lara Hotz Photography – Sydney Wedding – Portrait Photographer

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    You found us! Welcome!
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    Sun Street Centers – The Road to Recovery, sun addiction.

    #Sun #addiction



    Preventing alcohol and drug addiction by providing education, treatment and recovery regardless of income level.

    Sun addiction

    Change a life.

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    Sun addiction

    “You are known by the company you keep.”

    – Martin H. Dodd, Jr.

    News Events

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    Sun addiction

    Addiction and Alcoholism Recovery Happens In September!

    Sun Street Centers celebrates National Recovery Happens Month in September with a variety of upbeat and positive activities. Our purpose is to call attention to all the thousands of individuals and families that [ ] read more

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    Celebrating 50 Years

    The year 2018, marks Sun Street Centers’ 50th Anniversary.

    Beginning in 1968 with a mere 2 employees (founder Martin Dodd, and his wife Nancy), and a single location that offered one program in [ ] read more

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    Women s Residential Treatment COMING SOON

    Help San Benito County Shine!

    Our goal is simple: to provide a healing place for women and children, as they undergo counseling and treatment for addiction.


    Because of Sun Street Center’s Family Empowerment Program, I have become a part of the Alanon family and learned that just because my husband has not yet embraced the program, I can still be happy. I have embraced the program and have spent the last two years taking care of myself. Thank you. Jennifer

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    EDPR y Enel arrasan en la subasta eólica de Canadá, coches en subasta.

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    EDPR y Enel arrasan en la subasta eólica de Canadá

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    EDP Renováveis (EDPR) y Enel Green Power (EGP) se han adjudicado el 66% de los 595 MW de potencia eólica que ha subastado el Estado de Alberta (Canadá) en la primera puja que celebra dentro de su Programa de Electricidad Renovable. Durante 20 años, sus instalaciones percibirán una retribución de 37 dólares canadienses por MWh, unos 24,5 euros por MWh al tipo de cambio actual.

    EDPR ha obtenido 248,4 MW para el parque eólico de Sharp Hills, situado en la zona oriental de la región. La firma dirigida por João Manso Neto entró en el país en el año 2010 y ya cuenta allí con 20 MW de capacidad instalada, que forman parte de una cartera de proyectos eólicos en desarrollo en el suroeste de Ontario.

    EGP, por su parte, levantará dos parques, en los que invertirá 170 millones de dólares, unos 144 millones de euros al tipo de cambio actual. El primero, con 115 MW, se denomina Riverview; el segundo, con 30,6 MW es la segunda fase de Castle Rock Ridge Wind, una instalación eólica de 76,2 MW que arrancó en 2012. La compañía tiene otra planta eólica ya operativa, St. Lawrence, con 27 MW, que data del año 2009.

    Los 201,6 MW restantes del concurso se los ha adjudicado la firma local Capital Power. Los cuatro ganadores se han impuesto sobre 12 competidores, que remitieron 26 proyectos.

    Fomento de renovables

    Según las reglas de la puja, las instalaciones vencedoras tendrán que estar operando en el año 2019 y percibirán una retribución de 24,5 euros por MWh, de acuerdo con un contrato por diferencias, denominado Indexed Renewable Energy Credit: si el precio del mercado mayorista es más bajo cobrarán lo que falte y si es más alto tendrán que devolver lo que sobre.

    El organizador de la subasta, el Operador del Sistema Eléctrico de Alberta, destaca que es el precio más bajo para la energía renovable de todo Canadá.

    El Programa de fomento de renovables de Alberta busca tener conectados 5.000 MW de nueva capacidad limpia en las redes en el año 2030, con los que alcanzar el objetivo de cubrir un 30% de la demanda eléctrica.

    Cuisines italiennes design par Creathome 24: reseau de franchise cuisiniste, modele de cuisine americaine.

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    Cuisine équipée creathome24, votre cuisiniste partout en France !

    Cuisine italienne design équipée Creathome24, le réseau de franchise partout en France !

    Le réseau de cuisinistes sélectionné par CREATHOME24 s’étend à travers toute la France. Profitez des conseils d’un spécialiste de l’aménagement de cuisine à proximité de votre domicile et sélectionnez votre modèle de cuisine équipée parmi notre catalogue de cuisines italiennes équipées et résolument design. Tous nos modèles de cuisines qu’elles soient ouvertes ou non sont fabriqués en Italie et soigneusement contrôlés.

    Avec les cuisinistes CREATHOME24, configurez et chiffrez avec précision votre projet cuisine équipée moderne et design, vos plans de travail en stratifiés, compact, granit, quartz et céramique et vos crédences en quelques clics ! Bénéficiez de la qualité et du design d’une cuisine italienne et de l’expertise d’un cuisiniste professionnel.

    Le réseau de magasins CREATHOME24, vous propose également de réaliser votre projet salle de bain et plans de travail sur mesure, prêts à poser ou livrés et posés par l’un de nos professionnels!

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    Les agenceurs artisans cuisinistes Creathome24 sont à votre service pour l’étude de votre cuisine complète pas cher sur mesure. Si vous avez un projet de construction ou de rénovation de votre intérieur, nos professionnels de l’aménagement de cuisines équipées sur mesure vous accompagneront et vous conseilleront jusqu’à la réalisation de votre projet. Dans les magasins de cuisines équipées Creathome24 près de chez vous, vous trouverez une gamme de cuisines complète pas cher pour votre maison, appartement, studio ou résidence secondaire, des meubles salles de bain modernes et design, suspendu ou à poser, des tabourets, des tables, des chaises, des plans de travail (stratifié, compact, granit, quartz et céramique), de l’électroménager, des meubles living TV, des luminaires et beaucoup d’autres accessoires de cuisine. Configurez votre espace cuisine ou salle de bains grâce à nos meubles sur mesure réalisés par nos agenceurs de cuisines équipées.

    Avec plus de 15 ans d’expérience, les artisans de la cuisine Creathome24 ont sélectionnés les meilleurs cuisinistes de France, et les grandes marques de plans de travail stratifiés, compact, granit, quartz et céramique. Creathome24 à sélectionné pour vous les meilleurs magasins de cuisines équipées et agenceurs de mobilier de salles de bains.

    Un large catalogue en ligne avec des articles de mobilier design. Pour le séjour, compositions murales, pour la salle de bains, miroirs et meubles de salle de bains design et rafiné. Pour toute la maison, des tables et des chaises, tabourets.

    Vous trouverez sur notre site Creathome24, une gamme de cuisines équipées, de meubles de salle de bains et de plans de travail de qualité, mais aussi nos conseils de spécialistes. Lors de la vente d’une cuisine design, d’une cuisine moderne, d’une cuisine sur mesure, d’un meuble de salles de bain sur mesure ou d’autres accessoires de cuisine américaine, nous serons attentifs à vos attentes afin de vous guider dans vos choix. De plus découvrez une large gamme de plans de travail sur mesure, tels que des plans de travail stratifié, des plans de travail compact, des plans de travail granit (pierre naturelle), des plans de travail quartz et des plans de travail en céramique très tendance. Grâce à notre réseau de magasins de cuisines design Creathome24 nous sommes à votre écoute près de chez vous pour vos réalisations de cuisines équipées sur mesure. Chiffrez vos projets avec notre configurateur de cuisines complètes pas cher et notre configurateur de plans de travail. Faites le choix Creathome24 et menez votre expérience à bien.

    Whole Life Insurance Policy Guide, whole life insurance rates by age.

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    Life Insurance Protection With a Fixed Rate of Interest

    Whole life is the most common type of permanent life insurance. With whole life insurance, your premium payments remain the same over the life of the policy. You can choose how often you’d like to make premium payments, too – annually, semiannually, quarterly or monthly.

    Some whole life policies can be paid up after a certain number of years. When you purchase a policy, you’ll know how the cash value will grow over the life of your policy.

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    Find the right insurance for your situation. Compare term, whole, universal and variable universal life insurance.

    Advantages and disadvantages of whole life insurance

    There are a number of reasons to consider buying whole life insurance. It’s easy to understand. The payments are the same every month. And some whole life policies can be completely paid for after a certain number of years. Because your policy earns a fixed rate of interest, it’s easy to predict the growth of your cash value over time.

    Whole life insurance is designed for the long-term, so before purchasing, be sure to think about your ability to make premium payments consistently over the life of the policy. While it’s predictable, whole life insurance isn’t very flexible. You can’t customize it. But, because it’s so predictable and dependable, whole life insurance may be a good option for you.

    Keep in mind that as your life changes (for example, marriage, birth of a child or a job promotion), so will your life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges including costs of insurance that vary based on the insured person’s gender, health and age. There are additional charges for riders that customize a policy to fit your individual needs.

    Please read this important information

    Guarantees and protections are subject to Nationwide’s claims-paying ability.

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    Why Buy Life Insurance?

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    Share Article

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    This material is not a recommendation to buy, sell, hold, or rollover any asset, adopt an investment strategy, retain a specific investment manager or use a particular account type. It does not take into account the specific investment objectives, tax and financial condition or particular needs of any specific person. Investors should work with their financial professional to discuss their specific situation.

    Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation, member FINRA. The Nationwide Retirement Institute is a division of NISC. Nationwide Funds distributed by Nationwide Fund Distributors, LLC, Member FINRA, Columbus, OH. Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation, and Nationwide Fund Distributors are separate but affiliated companies.

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    Nationwide, the Nationwide N and Eagle, The Nationwide Retirement Institute, Nationwide is on your side and Nationwide Funds Group are service marks of Nationwide Mutual Insurance Company. Let’s Face it Together is a service mark of Nationwide Life Insurance Company.

    ©2018 Nationwide Mutual Insurance Company and affiliated companies

    Affitto Castel Maggiore, case e appartamenti, app affitto case.

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    Affitto Castel Maggiore


    Trilocale – 70 Mq


    Monolocale – 35 Mq


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    Bilocale – 68 Mq

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    © copyright 2018 – PIANO B S.A.S. P.iva: 04018570400

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    Compare Cheap Car Insurance Quotes at GoCompare, cheap ca insurance.

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  • Inicio, Solocasas, Casas, Departamentos, Terrenos en Venta y Renta, Inmobiliarias, Bienes RaГ­ces, 16, casas en renta en colima.

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    El Blog del Baño: Accesorios de baño de pegar, Son Fiables, sanitarios y accesorios para baño.

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    El Blog del Baño

    Decoración del baño. Hablamos de las últimas tendencias en productos para la decoración del baño. Fotos, vídeos, manuales y consejos sobre mamparas, muebles, grifos, hidromasajes accesorios de baño y platos de ducha.

    9 de octubre de 2015

    Accesorios de baño de pegar, ¿Son Fiables?

    Sanitarios y accesorios para baño

    Si te estas planteando colocar tus accesorios de baño seguramente habrás observado que muchos modelos pueden pedirse para fijar a la pared sin necesidad de usar taladro, paso a indicarte sus ventajas e inconvenientes.

    • Puedes colocarlos tu mismo.
    • No se necesita taladro para colocarlos.
    • Evitas taladrar tus flamantes azulejos.
    • No romperás ninguna tubería.
    • Si te arrepientes o cambias la ubicación de tu baño no se quedan agujeros.
    • Fácil de instalar.
    • Limpios y seguros.


    • Si no los colocas bien pueden caerse, aunque es difícil.

    ¿Son seguros los accesorios de baño adhesivos?

    Si, una vez que los colocas en la pared no hay bemoles a moverlos, tanto que se precisa de cuchillas y rascadores para despegarlos. Eso si, hay que seguir siempre las indicaciones del fabricante que básicamente son:

    • Colocar sobre superficie lisa como azulejo, chapado de madera o cristal.
    • Limpiar la zona antes de colocar.
    • Esperar 24 horas a que seque.

    Sanitarios y accesorios para baño

    Como comenté antes hay que limpiar con alcohol y secar bien la zona donde quieres colocarlos, siempre sobre superficie lisa y pegar según te indique el fabricante, normalmente hay que presionar durante 30 a 60 segundos y no usar el accesorio antes de 24 horas.

    Normalmente encontrarás de todo, te sorprenderías cuando te muestren desde simples jaboneras y dosificadores pasando por toalleros, portarrollos o anillas hasta los más sofisticados y pesados portatoallas o repisas para las duchas. TODO.

    Si, puedes usar tus accesorios con total normalidad, si sigues correctamente las instrucciones de colocación del fabricante puedes estar seguro que resisten.

    Pues por fortuna no suelen ser más caros que los habituales, eso si, solo encontraras este tipo de accesorios en marcas punteras.

    • Antes de comprar tus accesorios de baño de pegatina te aconsejamos que mires bien que fabricante es, mira que sea una firma conocida, con garantía como Pyp, Manillons, Beltrán, Koh-i-Noor. pues, estas marcas punteras no escatiman en la calidad del adhesivo.
    • Comprueba que tu azulejo no es rugoso.
    • No compres este tipo de accesorios en bricocentros (suelen traer accesorios de China), que te asesoren bien y que te garanticen la calidad.

    Si aún no estas convencido te mostramos este vídeo de como se colocan los accesorios de baño de pegatina, espero que te sirva.

    Cristalauto, Parabrisas y cristales para todo tipo de vehículos Montevideo, Uruguay – Parabrisas y Cristales para todo tipo de vehículos, laminas de seguridad para autos. #Laminas #de #seguridad #para #autos

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    Tenemos el personal mejor capacitado que lo asistirá tanto técnica como comercialmente, brindándole un apoyo constante. Ademas contamos con un amplio stock de parabrisas originales, nacionales e internacionales, de primeras marcas, certificados bajo normas internacionales de calidad y seguridad. Trabajamos con todas las marcas y modelos de autos.

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  • What is auto insurance, III, automobile insurance definition. #Automobile #insurance #definition

    What is auto insurance?

    Auto Insurance

    Basic personal auto insurance is mandated by most states and provides you with some financial protection in case of an accident. But is it enough? What are the options? Learn how car insurance works and what types of coverage are available.

    Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

    Auto insurance provides coverage for:

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    • Liability – your legal responsibility to others for bodily injury or property damage
    • Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

    Basic personal auto insurance is mandated by most U.S. states, and laws vary. Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget.

    Policies are generally issued for six-month or one-year timeframes and are renewable. The insurance company sends a notice when it’s time to renew the policy and pay your premium.

    Who is covered by my auto insurance—and under what circumstances?

    Your auto policy will cover you and other family members on your policy, whether driving your car or someone else’s car (with their permission). Your policy also provides coverage if someone who is not on your policy is driving your car with your consent.

    Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. It will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas.

    Personal auto insurance will also not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products (at additional cost) that extend coverage for vehicle owners providing ride-sharing services.

    Is auto insurance coverage mandatory?

    Auto insurance requirements vary from state to state. If you’re financing a car, your lender may also have its own requirements. Nearly every state requires car owners to carry:

    • Bodily injury liability – which covers costs associated with injuries or death that you or another driver causes while driving your car.
    • Property damage liability – which reimburses others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building or utility pole.

    In addition, many states require that you carry:

    • Medical payments or personal injury protection (PIP), which provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
    • Uninsured motorist coverage reimburses you when an accident is caused by a driver who does not have auto insurance—or in the case of a hit-and-run. You can also purchase underinsured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.

    Even if PIP and uninsured motorist coverage are optional in your state, consider adding them to your policy for greater financial protection.

    What other types of auto insurance coverage are typical?

    While most basic, legally mandated auto insurance covers the damage your car causes, it does not cover damage to your own car. To cover your own car, you should consider these optional coverages:

    • Collision reimburses you for damage to your car that occurs as a result of a collision with another vehicle or other object—e.g., a tree or guardrail—when you’re at fault. While collision coverage will not reimburse you for mechanical failure or normal wear-and-tear on your car, it will cover damage from potholes or from rolling your car.
    • Comprehensive provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards—even getting hit by an asteroid!
    • Glass Coverage provides coverage from windshield damage, which is common. Some auto policies include no-deductible glass coverage, which also includes side windows, rear windows and glass sunroofs. Or you can buy supplemental glass coverage.

    What is gap insurance and do I need it?

    Collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. To cover this, you may want to look into purchasing gap insurance to pay the difference. Note that for leased vehicles, gap coverage is usually rolled into your lease payments.

    Next steps: Check out this handy infographic on the types of required and optional drivers insurance coverages.

    La faute grave, Aujourd – hui le Maroc, liste des fautes graves. #Liste #des #fautes #graves

    La faute grave


    Mais attention, lemployeur, ou le chef dentreprise peut, lui aussi, se rendre responsable de la rupture pour faute grave.

    Le code, en refusant de donner une définition à la faute grave ou de déterminer les faits pouvant être considérés comme telle, a préféré laisser à lemployeur le droit de qualifier de faute grave tout fait le considérant comme telle et den supporter les conséquences de son jugement, lorsque le litige est porté devant les tribunaux.

    Cependant, il est possible de dire que la faute grave résulte dun fait ou dun ensemble de faits, imputables au salarié, qui constituent une violation du règlement intérieur ou de son contrat, dune importance telle quelle rend impossible le maintien de lintéressé dans lentreprise.

    Charge de la preuve

    La charge de la preuve de la faute et de son caractère grave privatif des indemnités de rupture incombe à lemployeur.

    Lexistence réelle du fait imputable au salarié, sa qualification de faute grave justifiant un licenciement immédiat sans préavis ni indemnités, sont laissés à lappréciation des juges, une fois le litige est porté devant les tribunaux.

    La gravité de la faute nest pas subordonnée à lexistence dun préjudice subi par lemployeur, la présence dun risque est suffisante.

    Le fait, par exemple, pour un gardien de dépôt de carburant, de fumer ou dallumer un feu de bois à proximité dune citerne de carburant, pour préparer son thé à la menthe, constitue un risque certain dincendie et une faute grave.

    Faute grave et dépôt de plainte

    Lemployeur qui procède au licenciement du salarié pour faute grave ayant pour motif le vol, la rixe, lagression, livresse etc …, nest pas tenu de déposer auprès de la police ou du parquet, une plainte contre lintéressé pour justifier sa décision.

    Il ne peut être reproché à lemployeur le fait de ne pas déposer la plainte pour en déduire linexistence des faits.

    La décision de lemployeur pourra être justifiée devant le tribunal social par tous moyens et, notamment, par le moyen dune enquête ordonnée par le même tribunal.

    Faute grave pour abandon de poste Labandon de son poste de travail par un salarié doit être suivi dune lettre recommandée qui doit lui être adressée par son employeur à sa dernière adresse communiquée à la direction de lentreprise.

    La lettre adressée par lemployeur a pour objet dinformer le salarié de ce quil a, par son abandon de poste, procédé à la résiliation unilatérale de son contrat de travail.

    Bien entendu, cette démarche doit intervenir dans le cadre de la procédure prévue à larticle 62 du code.

    Contrairement à une erreur répandue, labandon de poste ne peut être interprété comme une démission.

    Application de la sanction

    En vertu de larticle 61 du code, le salarié ayant commis une faute grave peut être licencié, sans préavis, sans indemnité de licenciement et sans dommages intérêts.

    Le licenciement pour faute grave se traduit, pour le salarié, par trois privations :

    il est privé de son droit au préavis, autrement dit, il est mis fin à son contrat de travail immédiatement et sans délai.

    la gravité de la faute le prive également de son droit à lindemnité de licenciement.

    il est également privé de toute réparation de préjudice.

    Exemples de faute grave

    Le code adopte la même attitude quen 1957, lorsquil sétait contenté, par décret du 20août 1957, de citer des faits quil considère comme faute grave pouvant entraîner le licenciement immédiat du salarié.

    Désormais, larticle 39 du code remplacera le célèbre article 6 de larrêté du 23 octobre 1948, il stipule que : Sont considérés comme faute grave pouvant entraîner le licenciement, les fautes suivantes commises par le salarié :

    la condamnation par un jugement définitif et privatif de liberté, pour un délit lié à lhonneur, la confiance, ou les bonnes moeurs.

    la divulgation de secrets professionnels ayant porté préjudice à lentreprise.

    le fait de commettre, à lintérieur de lentreprise ou pendant son travail :

    les injures graves.

    le refus dexécuter, sans motif valable, un travail entrant dans les attributions du salarié.

    labsence, sans motif valable, pour une durée dépassant dans la même année 4 jours ou 8 demi-journée.

    le fait davoir, intentionnellement ou par négligence grave, compromis la sécurité des autres travailleurs ou des locaux de travail.

    le fait de commettre une faute ayant causé un dommage important à lemployeur.

    la non-observation des prescriptions relatives à la sécurité ayant entraîné des dommages importants.

    lincitation à la débauche.

    la violence à lagression physique contre lemployeur, son représentant ou un des travailleurs afin dentraver le bon fonctionnement de lentreprise. Dans le dernier cas, linspecteur du travail est chargé de constater lentrave au fonctionnement de lentreprise et de dresser un procès-verbal de son constat.

    Faute grave imputée à un salarié délégué du personnel

    La procédure protectrice simpose à lemployeur pour tout licenciement.

    La faute grave du salarié délégué, ou suppléant, nexonère pas lemployeur du respect des dispositions spéciales prévues par le code, elle lui permet seulement de prononcer la mise à pied immédiate en attendant la décision de lagent chargé de linspection du travail, celui-ci doit faire connaître sa décision dans les 8 jours suivants sa saisine.

    Le licenciement du salarié protégé, malgré le refus de linspecteur du travail, est considéré par le code comme une résiliation abusive du contrat de travail.

    En dautres termes, lautorité de la décision de linspecteur du travail dépasse celle de lemployeur et, surtout, celle des tribunaux.

    Faute grave de lemployeur Lemployeur, ou le chef dentreprise peut, lui aussi, commettre des fautes graves.

    Larticle 39 du code cite, à titre dexemples:

    les injures graves.

    tout acte de violence ou dagression.

    le harcèlement sexuel.

    lincitation à la débauche.

    Le salarié, victime de lune de ces situations, ou dautres similaires, est en droit de quitter son poste de travail immédiatement.

    Mais attention, le salarié ne peut pas sadresser directement au tribunal pour réclamer les indemnités quil considère lui être dues, avant de se soumettre à la procédure prévue à larticle 62.

    Soulignons enfin que les cas cités, par larticle 39 concernant la faute grave pouvant être commise par lemployeur doivent, pour être établis, sappuyer sur le témoignage des autres salariés, ce qui rend difficile la tâche de la victime.

    Nosotros – Autos76, autos de ocasion. #Autos #de #ocasion

    Autos de ocasion

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    Horario Exposición en Badajoz

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    Autos 76 es una empresa familiar que se ha dedicado en exclusiva al sector del automóvil desde 1988. Actualmente, se sitúa en una posición destacada en la compra-venta de vehículos Multimarca Seminuevos en Extremadura.


    2 Exposiciones en Badajoz

    C/ Cardenal Cisneros 53 y 76

    Tlf Exposición: 924 27 25 50

    Fax Exposición: 924 27 61 55

    Comerciales: 699 42 90 08 / 699 21 26 48 / 699 21 26 49

    1 Exposición en Valdebótoa

    Ctra. San Vicente S/N

    Comerciales: 699 42 90 08 / 699 21 26 48 / 699 21 26 49

    • Vehículos Seminuevos Multimarca
    • Somos especialistas en Diesel
    • Disponemos de un stock de más de 150 vehículos
    • Taller / Lavadero

    Ofrecemos un servicio integral en el cual le asesoramos en la adquisición de su vehículo con las mejores opciones de financiación, adaptándonos a sus necesidades.

    Licenciement pour faute grave: que faire, avertissement pour faute grave. #Avertissement #pour #faute #grave

    Licenciement pour faute grave : que faire ?

    Vous avez refusé de rester exceptionnellement plus tard à votre poste pour finir une tâche, alors que votre employeur vous l’avait demandé, vous arrivez tous les matins en retard, vous provoquez vos collègues de travail… Ces exemples peuvent être analysés comme des manquements aux obligations qu’imposent votre contrat de travail et ainsi justifier votre licenciement. Ou peut-être, en cas de licenciement, est-ce un abus de l’employeur ? Quelle est la limite entre votre liberté et la faute ?

    Les particularités de la procédure de licenciement pour faute

    Le licenciement pour faute ou disciplinaire est un licenciement pour motif personnel.

    Sa procédure est donc la même à quelques exceptions près.

    Avant de vous licencier, votre employeur doit tout d’abord vous convoquer à un entretien préalable pendant lequel vous pourrez être assisté par un conseiller. La convocation à cet entretien doit en indiquer

    Durant cet entretien vous pourrez vous expliquer sur les faits qui vous sont reprochés.

    Votre employeur ne pourra vous notifier votre licenciement pas moins de 2 jours ouvrables après l’entretien.

    La particularité du licenciement pour faute tient aux délais dans lesquels votre employeur doit agir pour que la procédure soit régulière.

    Le 3 janvier 2014, vous étiez fatigué, la situation au travail était pesante.

    Parce que vous étiez à bout de nerfs après qu’un des clients de votre employeur vous ait encore dit quelque chose qui ne vous a pas plus. C’est la goutte d’eau qui fait déborder le vase : vous l’injuriez comme il se doit.

    Vous avez volontairement omis de prévenir votre employeur de ce petit incident. Celui-ci avait d’ailleurs été surpris de ne plus avoir de nouvelle de son client, avec qui il avait hâte de faire affaire.

    Votre employeur prend connaissance de votre petite altercation hier, jeudi 5 mars 2014.

    Pourtant, vous êtes confiant parce que vous vous dites que l’incident a eu lieu il y a plus de 2 mois et que par conséquent, votre employeur ne peut plus vous licencier pour ce motif.

    Cependant, c’est au jour où votre employeur prend connaissance du comportement fautif que le délai commence à courir. Celui-ci a donc jusqu’au 5 mai 2014 pour vous licencier valablement !

    Contrairement à une procédure de licenciement classique où votre employeur n’a aucune limite maximale pour vous notifier votre licenciement, ici il devra vous envoyer votre lettre de licenciement avant 1 mois suivant l’entretien.

    S’il le fait après, votre licenciement étant prononcé irrégulièrement sera nul.

    L’appréciation de la faute

    Lorsque vous commettez une faute susceptible de justifier votre licenciement, celle-ci peut appartenir à différentes catégories.

    Elle peut être une faute simple, une faute grave ou une faute lourde. Votre faute va être classée dans l’une de ces catégories en fonction de sa gravité.

    Cette classification a un impact sur les indemnités que vous allez percevoir à l’issu de votre licenciement.

    A) La faute simple

    La faute simple est située en bas de l’échelle de gravité.

    Vous avez commis une faute simple lorsque vous avez eu une attitude négligente ou malveillante ayant débouché sur l’inexécution d’une de vos obligations professionnelles.

    Dans cette hypothèse vous pourrez prétendre à

    B) La faute grave

    Vous avez commis une faute grave lorsque vous avez violé vos obligations professionnelles découlant de votre contrat de travail, et que cette violation est d’une telle importance qu’elle rend impossible votre maintien dans l’entreprise.

    La gravité de la faute peut s’apprécier soit en fonction des conséquences qu’elle a eu, soit en au regard de la nature de vos fonctions.

    Parce que la faute que vous avez commise empêche votre maintien dans l’entreprise, vous ne pouvez en principe pas effectuer votre préavis.

    En effet, la faute grave implique une réaction immédiate de votre employeur. Celui-ci ne doit pas se contenter d’avoir une attitude passive.

    Ainsi, si votre employeur vous autorise à effectuer votre préavis, c’est que votre comportement n’était pas d’une gravité évidente justifiant votre départ immédiat de l’entreprise. Dans cette hypothèse, celui-ci ne pourrait plus se prévaloir de faute grave, il perd donc le bénéfice de vous licencier sur ce motif.

    Par conséquent, lorsque vous êtes licencié pour une faute lourde, vous ne pouvez prétendre ni à une indemnité de licenciement, ni à votre indemnité de préavis.

    C) La faute lourde

    La faute lourde est la faute la plus grave parce que vous avez violé une obligation professionnelle à laquelle vous soumettait votre contrat de travail dans le but de nuire à votre employeur ou à l’entreprise elle-même.

    La faute lourde est d’ailleurs la seule qui peut justifier le licenciement d’un salarié gréviste.

    En effet, lorsque vous exercez votre droit de grève, vous bénéficiez d’un régime protecteur.

    Cependant, tous vos comportements ne peuvent pas être tolérés.

    La faute lourde lors de l’exercice de votre droit de grève, pourrait être celle par laquelle vous et vos collègues décidez de bloquer l’accès à l’entreprise.

    Ce blocage a pour conséquence d’empêcher les salariés qui ne veulent pas faire la grève, mais travailler, de se rendre à leur poste.

    Vous pourrez ainsi vous faire licencier pour faute lourde.

    Vous pourrez en être dissuadé par les indemnités auxquelles vous pouvez prétendre…

    Lorsque vous êtes licencié pour faute grave, vous ne pouvez pas bénéficier de l’indemnité de licenciement ni de préavis. Depuis le 2 mars 2016, le salarié pourra percevoir l’indemnité de congés payés, ce qui n’était pas le cas antérieurement.

    SEPARAZIONE – AVVOCATO CLAUDIA LANTIERI, separazione senza avvocato. #Separazione #senza #avvocato



    In molti Tribunali italiani è possibile presentare il ricorso per separazione consensuale senza l’assistenza dell’avvocato.

    Per poter rinunciare all’ausilio del legale è necessario che i coniugi abbiano trovato un accordo in merito a tutti gli aspetti del rapporto: assegnazione della casa coniugale, rapporti e visite con i figli, assegni di mantenimento, aspetti patrimoniali.

    Una volta presa la decisione, i coniugi possono predisporre il ricorso autonomamente e depositarlo presso la cancelleria del Tribunale competente (luogo di ultima residenza comune della famiglia).

    Sarà cura dei coniugi, poi, verificare l’assegnazione del ricorso ad un Giudice del Tribunale e presentarsi il giorno dell’udienza per confermare la propria volontà a separarsi con gli accordi già presi.

    Il Giudice, in sede di udienza presidenziale, procederà alla verifica delle condizioni della separazione e in caso di giudizio positivo, provvederà ad omologare la separazione.

    In alcuni casi sarebbe opportuno verificare, tramite una consulenza preventiva, la conformità degli accordi raggiunti a quelli che sono i requisiti richiesti dalla legge, in particolare con riguardo ai figli.

    Potrebbe essere, inoltre, opportuno predisporre una scrittura privata di regolamentazione del patrimonio immobiliare dei coniugi in seguito alla separazione, soprattutto nel caso in cui vi sia una comproprietà di beni immobili o di conti correnti.

    La separazione consensuale senza l’assistenza dell’avvocato sarebbe, in sostanza, più semplice in assenza di figli e in assenza di beni da dividere, nonché senza previsione di assegni di mantenimento.

    Se desiderate una consulenza in materia al fine di verificare la conformità degli accordi, ovvero predisporre il ricorso per separazione o una scrittura privata che abbia valenza giuridica, potete contattare senza impegno il 338.9660844.

    La separazione consensuale prevede l’assistenza legale dei coniugi che non intendano, per ragioni varie, iniziare un procedimento giudiziale.

    Sono i casi in cui i coniugi hanno entrambi la volontà di separarsi ovvero si sono resi conto che non risulta possibile continuare nel rapporto matrimoniale anche per il bene dei figli, oltre che delle parti stesse.

    In questi casi le parti possono rivolgersi entrambi ad un unico avvocato che provvederà a stimolare la riflessione su quegli elementi da risolvere prima di predisporre il ricorso per separazione, ovvero a puntualizzare in una scrittura privata gli accordi raggiunti o a suggerire accordi opportuni caso per caso.

    Ovviamente un ricorso per separazione consensuale congiunto riduce i costi per le parti e i tempi di raggiungimento dell’accordo.

    E’ possibile, e in alcuni casi preferibile, che i coniugi si rivolgano a due avvocati diversi che provvederanno a redigere il ricorso per separazione consensuale secondo i desiderata dei propri clienti dopo attenta analisi delle reciproche richieste e mediazione tra le varie pretese.

    Anche in questo caso si addiverrà ad una separazione consensuale sebbene i tempi di accordo si possano allungare.

    In alcuni casi, però, è preferibile avvalersi di due avvocati distinti che grazie all’esperienza, alla conoscenza tecnica e all’aggiornamento continuo, sono in grado da un lato di contenere le richieste entro i limiti di quello che risulta giuridicamente ragionevole, dall’altro infondono nei propri clienti fiducia in merito alla migliore assistenza legale.

    L’Avv. Claudia Lantieri assiste congiuntamente solo quei coniugi che richiedono unitamente l’assistenza legale, mentre preferisce interloquire con i Colleghi nel caso in cui solo uno dei coniugi prenda contatto con lo studio.

    La scelta operata vuole garantire ai clienti la migliore serenità nell’affrontare il problema della separazione già di per se stesso denso di problemi sentimentali, senza doversi anche preoccupare del rapporto di fiducia che si instaura con il proprio legale.

    La separazione giudiziale prevede l’assistenza legale di un solo coniuge che non ha raggiunto un accordo per la separazione, ovvero non ha nessuna intenzione di separarsi sebbene sia stato convenuto nel procedimento, ovvero ritiene opportuno instaurare un procedimento litigioso con il partner per la richiesta di addebito, assegno, assegnazione casa coniugale e altro.

    Separarsi giudizialmente vuol dire iniziare un processo individuale volto al cambiamento totale della propria vita, delle proprie abitudini, dei rapporti con i componenti della famiglia.

    La separazione comporta un incremento dei costi fino ad allora condivisi con il coniuge, oltre che la presa di coscienza che gli obiettivi comuni dovranno necessariamente intraprendere direzioni diverse.

    E’ necessario, pertanto, affidare con estrema fiducia la situazione al proprio legale che seguirà il percorso della separazione sotto tutti gli aspetti: da un lato quello economico al fine di tutelare gli interessi del cliente, dall’altro quello del rapporto con i figli per garantire il rispetto assoluto della bigenitorialità.

    Discorso a parte merita l’eventuale richiesta di addebito : molti clienti si chiedono quali vantaggi vi siano in una eventuale richiesta di addebito della separazione al marito o alla moglie.

    L’addebito in sostanza fa perdere al coniuge il diritto all’assegno di mantenimento e i diritti successori.

    Ottenere l’addebito della separazione, però, non è così immediato. Occorre dimostrare che il comportamento del coniuge è stata l’unica causa di fallimento del matrimonio.

    In particolare per quanto riguarda il tradimento non necessariamente la separazione verrà addebitata al coniuge che ha tradito se non si prova che è stata la causa determinante la separazione.

    E’ possibile chiedere la separazione in Italia anche nel caso in cui si sia contratto matrimonio con un cittadino di nazionalità estera.

    Sia nel caso in cui il matrimonio sia avenuto in Italia, sia nel caso in cui il matrimonio sia stato contratto all’estero non si pongono particolari problemi nell’adire il Giudice italiano.

    Ovviamente occorre che il matrimonio sia stato trascritto in Italia.

    Se il coniuge dal quale ci si vuole separare ha residenza o domicilio in Italia, l’iter seguirà il corso normale della separazione prevista dal diritto civile.

    Nel caso in cui, invece, il coniuge sia residente all’estero, la competenza sarà del Giudice del luogo in cui ha la residenza colui che intende promuovere il giudizio.

    Se entrambi i coniugi vivono all’estero e sono d’accordo nel promuovere il giudizio di separazione, potrà essere adito qualsiasi Tribunale italiano.

    E’ possibile separarsi dal coniuge se si è reso irreperibile? Certamente sì. Tutte le volte in cui il coniuge abbia lasciato la casa coniugale senza più comunicare un recapito, ovvero risulti irreperibile all’anagrafe o addirittura cancellato, è possibile comunque depositare il ricorso per separazione, in questo caso giudiziale, per ottenere la sentenza di separazione.

    Sarà necessario chiedere l’assistenza di un legale che dovrà provvedere a notificare tutti gli atti al luogo dell’ultimo domicilio del coniuge ovvero ai sensi dell’art. 142 del codice di procedura civile.

    Occorre distinguere il caso in cui i coniugi abbiano già raggiunto un accordo tra loro e abbiano deciso, pertanto, di depositare il ricorso per separazione consensuale dal caso in cui la separazione sia conflittuale.

    In caso di separazione consensuale i coniugi si devono presentare davanti al Presidente del Tribunale, con o senza l’assistenza dell’avvocato, per confermare la volontà di separarsi alle condizioni già siglate nel ricorso.

    Il Giudice provvederà a verificare che le condizioni indicate siano conformi ai principi richiesti dalla legge e, se il controllo risulta positivo, provvederà a congedare i coniugi e, in un secondo momento, ad omologare la separazione.

    Si precisa che il controllo del Giudice sarà particolarmente attento con riguardo ai figli (affidamento, mantenimento, visite) al fine di garantire a costoro la miglior tutela anche quando la famiglia sarà divisa.

    In caso di separazione giudiziale, invece, i coniugi dovranno comparire davanti al Giudice designato accompagnati dai rispettivi legali.

    Il Presidente sentirà i coniugi separatamente senza la presenza dell’avvocato per comprendere le ragioni della separazione e per tentare, se possibile, una conciliazione.

    Viene redatto verbale scritto di tutte le dichiarazioni che vengono rese dalle parti e, in un secondo momento, vengono ascoltati anche gli avvocati per verificare le richieste dei coniugi.

    Nel caso in cui la conciliazione non riesca, il Giudice assumerà quei provvedimenti necessari ed urgenti soprattutto nell’interesse dei figli (affidamento, assegno di mantenimento, visite, assegnazione della casa coniugale), nonché del coniuge più debole.

    Il Giudice, poi, provvederà a rimettere le parti davanti al Giudice istruttore per il prosieguo della causa.

    Il provvedimento pronunciato dal Giudice in sede di udienza presidenziale può sempre essere modificato dal Giudice Istruttore in corso di causa nonché con la sentenza che definisce il giudizio.

    Avverso tale provvedimento, inoltre, è possibile presentare reclamo in Corte d’Appello.

    Per un consulto in materia chiama il 338.9660844 senza impegno.

    Aktien – Nachrichten, Hintergründe, Analysen und Kurse vom Aktienmarkt – Handelsblatt Online, aktien anlegen. #Aktien #anlegen


    Aktien anlegen

    Aktie unter der Lupe – Thales : Noch mehr Sicherheit für die Aktionäre

    Mit der Übernahme der Chipkartenfirma Gemalto wird Thales zu Frankreichs neuem Champion in der Sicherheitsinformatik. Die Aktie ist bei Anlegern gefragt. Und Analysten sehen weiteres Potenzial. mehr Tanja Kuchenbecker

    Aktien anlegen

    Top-Performer im Dow Jones : Diese US-Aktien haben Anlegern 2017 Gewinne beschert

    Der US-Leitindex Dow Jones hat in diesem Jahr erstmals die 25.000-Zähler-Marke geknackt. Welche Werte bescherten ihm diesen Meilenstein? Wir zeigen die Top-Aktien der New Yorker Börse, mit denen Anleger 2017 Kasse machten. mehr

    Internethändler : Alibaba-Chef erwägt Zweitnotiz in Hongkong

    2014 war dem chinesischen Onlinehändler Alibaba in New York der größte Börsengang aller Zeiten gelungen. Nun bringt Firmenchef Jack Ma eine Zweitnotiz in Hongkong ins Spiel. Das treibt Aktien des Börsenbetreibers dort. mehr

    Healthineers : Siemens’ Milliarden-Börsengang noch vor Ostern

    Siemens hatte angekündigt, die Medizintechnik-Tochter Healthineers im ersten Halbjahr an die Börse zu bringen. Nun soll das Projekt bereits vor Ostern über die Bühne gehen. Das Listing hat eine immense Größe. mehr

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    Nikkei auf 25-Jahres-Hoch : Mit diesen zehn Japan-Aktien machten Anleger 2017 Kasse

    Jubel an der japanischen Börse: Der Leitindex Nikkei ist auf ein 25-Jahres-Hoch gestiegen. Anleger rund um den Globus jubeln – und hoffen auf Fortsetzung. Mit diesen zehn Nippon-Aktien machten sie 2017 Rekordgewinne. mehr

    Börsengänge 2018 : Musik für die Märkte

    Die Börsenrally lockt immer mehr Unternehmen an den Kapitalmarkt. Der Musik-Streamingdienst Spotify will seine Aktien an der Wall Street platzieren. Auch in Deutschland stehen zahlreiche Kandidaten in den Startlöchern. mehr Robert Landgraf , Susanne Schier und Katharina Kort

    Britischen Kaufhauskette : Rekord-Kurssturz bei Debenhams

    Die Aktien der Kaufhauskette Debenhams sind um fast 24 Prozent eingebrochen. Grund sind gekürzte Gewinnziele wegen des schlechten Weihnachtsgeschäfts. Auch die Aktien der Konkurrenz verloren fielen ab. mehr

    Musik-Streamingdienst : Spotify soll Börsengang auf den Weg gebracht haben

    Der Musik-Streamingdienst Spotify hat Berichten zufolge die Unterlagen für den Börsengang eingereicht – per Direktplatzierung. Unklare Rechtsstreitigkeiten könnten sich jedoch noch als Hindernis erweisen. mehr

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    Nasdaq-Index : Die zehn Tech-Aktien, mit denen Anleger 2017 Kasse machten

    Neuer Rekordwert beim US-Index Nasdaq: Kurz nach dem Jahreswechsel knackt das Barometer der Technologiebörse die 7000er-Marke. Grund genug, die zehn erfolgreichsten Tech-Titel des letzten Jahres unter die Lupe zu nehmen. mehr

    Aktie unter der Lupe – Reckitt Benckiser : Verkaufen, wenn der Ex-Chef untreu wird?

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    Tops und Flops im Dax : Mit diesen Aktien machten Anleger 2017 Kasse

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    CAC and Coronary Artery Disease in Young Adults – American College of Cardiology, perspective cac 40. #Perspective #cac #40

    CAC and Coronary Artery Disease in Young Adults

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    Study Questions:

    Is coronary artery calcium (CAC) associated with coronary heart disease (CHD) in young adults?


    Data from the CARDIA (Coronary Artery Risk Development in Young Adults) study were used for the present analysis. CARDIA is a prospective community-based study of 5,115 black and white adults between the ages of 18 and 30 years at the time of enrollment (from March 25, 1985, to June 7, 1986). The cohort has been under surveillance for 30 years, with CAC measured 15 (n = 3,043), 20 (n = 3,141), and 25 (n = 3,189) years after recruitment. The mean follow-up period for incident events was 12.5 years, from the year 15 computed tomographic scan through August 31, 2014. The primary outcome of interest was incident CHD, which included fatal or nonfatal myocardial infarction (MI), acute coronary syndrome without MI, coronary revascularization, or CHD-related death. Additional outcomes included incident cardiovascular disease (CVD) (i.e., CHD, stroke, heart failure, and peripheral arterial disease) and all-cause mortality. The probability of developing CAC by age 32-56 years was estimated using clinical risk factors measured 7 years apart between ages 18 and 38 years.


    A total of 3,043 participants (mean age 40.3 years; 1,383 men and 1,660 women) were included in the study at study year 15. Participants who had CAC comprised 10.2% of the cohort (n = 309), with a geometric mean Agatston score of 21.6 (interquartile range, 17.3-26.8). During the 12.5 years of follow-up (after completion of the CAC scoring), 57 incident CHD events and 108 incident CVD events were documented. Participants with any CAC had a fivefold increase in CHD events (hazard ratio [HR], 5.0; 95% confidence interval [CI], 2.8-8.7) and a threefold increase in CVD events (HR, 3.0; 95% CI, 1.9-4.7) with adjustment for demographics, risk factors, and treatments. When CAC scores were stratified, the risk for CHD events was 2.6 (95% CI, 1.0-5.7) for CAC 1-19, 5.8 (95% CI, 2.6-12.1) for CAC 20-99, and 9.8 (95% CI, 4.5-20.5) for CAC score of ≥100. A CAC score of ≥100 had an incidence of 22.4 deaths per 100 participants (HR, 3.7; 95% CI, 1.5-10.0), with most due to CHD. Risk factors for CVD in early adult life identified those above the median risk for developing CAC and, if applied, in a selective CAC screening strategy could reduce the number of people screened for CAC by 50% and the number imaged needed to find one person with CAC from 3.5 to 2.2.


    The authors concluded that the presence of CAC among individuals aged between 32 and 46 years was associated with increased risk of fatal and nonfatal CHD during 12.5 years of follow-up. A CAC score of ≥100 was associated with early death. Adults

    101 Pisos – Tu empresa inmobiliaria en Sant Cugat, alquiler pisos sant cugat. #Alquiler #pisos #sant #cugat

    Alquiler pisos sant cugat

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    Chalet en Sant Cugat Del Vallès La Floresta / La Floresta Les Planes 20402

    Casa de disseny de 250 m² en solar de 600 m² amb piscina privada en un entorn privilegiat al costat de l’estació de FGC, saló de 50 m² amb llar …

    En alquiler

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    Planta baja reformadal Sant Cugat Alquiler 31929

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    Piso en Parc Central Sant Cugat Alquiler 30455

    Piso en Parc Central con zona comunitaria y piscina, exterior de 74m², amplio salón de 20 m² con salida a terraza, cocina independiente de 10m² con salida al lavadero, 2 …

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    Apartamento amueblado Sant Cugat Alquiler 31643

    Apartamento céntrico de 33m², amueblado, salón de 13m² con salida a terraza de 30m², cocina de 5m², 1 habitación doble, 1 baño completo, suelos de parquet. Estado de Certificación Energética: …

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    Piso soleado en Coll Fava Sant Cugat Alquiler 31769

    Bonito piso soleado en Coll Fava de 85 m² con zona comunitaria con piscina, amplio salón de 28 m² con salida a la terraza, amplia cocina offcie, lavadero, 1 suite …

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    Piso en Volpalleres Sant Cugat Alquiler 31313

    Piso de 100m² en Vullpalleres con zona comunitaria, zona infantil y piscina, salón de 31m² con salida a terraza de 12m², cocina office, 1 habitación suite, 1 doble y 2 …

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    Amplio piso en Torreblanca Sant Cugat Alquiler 31412

    Amplio piso cerca del mercado Torreblanca de 89m², totalmente amueblado, comedor de 20m² con aire acondicionado, balcón, cocina office equipada con lavadero integrado, 1 habitación doble y 3 individuales, 1 …

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    Piso a estrenar Sant Cugat 11198

    Vivienda, a estrenar, de 4 hab (107m2), 1 suite (11 m), 1 hab doble (10 m), 2 hab ind, 2 baños, armarios empotrados, cocina office (14 m2), amplio salón (24 m2), terraza de 58 m2, aire acondicionado frio, …

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    Solar en venta en Sant Quirze Sant Cugat 50136

    Amplio solar de 1.371 m2 con vivienda para derribar a 20 minutos andando de la estación de ferrocarril de Sant Quirze del Vallès. Se divide en dos superficies llanas de …

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    Casa en venta en Sant Quirze Sant Cugat 20787

    Amplio solar de 1.371 m2 con vivienda para derribar a 20 minutos andando de la estación de ferrocarril de Sant Quirze del Vallès. Se divide en dos superficies llanas de …

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    Gran local Sant Cugat 40304

    Gran local de 300 m2 ubicado en el centro de Sant Cugat, a 3 minutos de la estación de ferrocarril. Dispone de salida de humos, licencia de restaurante en vigor, …

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    Solar en Les Planes Sant Cugat 50107

    Solar de 415 m2 , dispone del Certificado de Aprovechamiento Urbanistico (terreno urbanizable). Se puede construir vivienda de 3 plantas de 25m2 por planta, 75m2 total de vivenda. Todos los …

    Alquiler pisos sant cugat


    Casa acogedora en Valldoreix-Mirasol Sant Cugat 20785

    Acogedora casa de 2 plantas en Valldoreix-Mirasol sobre solar de 400 m2. Entrada por dos calles, una para peatones y otra para vehículos. Se accede por la puerta principal a …

    Empieza con nosotros tu nueva vida

    En 101 pisos somos expertos en encontrar un hogar para ti y los tuyos. Con más de 30 años de experiencia, desde que era un pequeño pueblo, somos la inmobiliaria que mejor conoce Sant Cugat y sus alrededores. Por eso sabemos que hay un hogar para ti.

    Best Insurance Agency on Long Island – Best Of Long Island, car insurance long island. #Car #insurance #long #island

    Best Insurance Agency on Long Island

    With all of the accidents that happen throughout the many aspects of life, it’s always good to be covered. Insurance for health, auto, life and more is always there to give you a financial boost when you need it most. If you’re looking for a new insurance agency, then look no further than the Best Insurance Agency on Long Island.

    6800 Jericho Tpke., Suite 202W, Syosset. 516-364-7396.

    With more than 25 years of experience, Laffie Financial Group possesses the knowledge, expertise and experience to ensure Long Islanders are protected, no matter what type of policies they require. Laffie Financial Group s mission is to help clients protect what’s most important to them with innovative, secure and customized insurance programs. Founded in 1989, the Laffie Financial Group has assisted more than 1,400 clients secure more than $10 billion in coverage, earning them the much-deserved reputation as the Best Insurance Agency on Long Island!

    2016: Long Islanders Voted Cotten Coveragexxx Best Insurance Agency on Long Island

    Cotten Coverage Insurance Agency, Inc.

    530 Horseblock Rd., Farmingville. 631-698-4776.

    Long Islanders have come to trust the agents at Cotten Coverage Insurance. Living on an island presents unique challenges to home and business owners. Cotten understands and provides coastal policies to protect homes and businesses, with low premiums and easy approvals, no matter your proximity to the water or if you have had previous claims. At Cotten Coverage, ensuring Long Islanders receive the coverage they need, no matter what the situation, is priority number one!

    2015: Long Islanders Voted The Keats Agency Best Insurance Agency on Long Island!

    The Keats Agency Nationwide Insurance

    299 Jericho Tpke., Floral Park. 516 354-4849.

    The Keats Agency is known on Long Island for its dedication to their clients and for always providing them with good service, knowledgeable advice, and competitive prices. No matter what you need to insure, trust your most valued treasures in the hands of the Keats Agency and know that you will be taken care of properly.

    2014: Long Islanders voted Cotten Coverage in Farmingville Best Insurance Agency on Long Island!

    1. Cotten Coverage

    530 Horseblock Rd., Farmingville. 631-698-4776.

    2. Gundermann Gundermann Insurance Company

    175 W. Carver St., Huntington. 631-271-0600.

    3. Mill Creek Agency

    129A Main St., Stony Brook. 631-751-4653.

    2013: Long Islanders Voted Cotten Coverage in Farmingville Best Insurance Agency on Long Island!

    530 Horse Block Rd., Farmingville. 631-698-4776.

    2. Mill Creek Agency

    Multiple Locations.

    3. Robert Zabbia, Allstate Insurance

    847 N. Broadway, Suite 101, Massapequa. 516-858-2604.

    2012: Long Islanders Voted Cotten Coverage Agency as Best Insurance Company on Long Island!

    1. Cotten Coverage Agency

    530 Horseblock Rd., Farmingville. 631-698-4776.

    2. Robert Zabbia, Allstate Insurance

    847 N. Broadway, Suite 101, Massapequa. 516-799-6900.

    3. Mass Mutual, Denis Garbo

    6800 Jericho Tpke., Syosset.

    2011: Long Islanders Voted Cotten Coverage in Farmingville Best Insurance Agency on Long Island!

    1. Cotten Coverage

    530 Horseblock Rd., Farmingville. 631-698-4776.

    2. Robert Zabbia, Allstate Insurance

    Location voiture Marrakech pas cher avec, location pas cher. #Location #pas #cher

    Agence de Location voiture Marrakech pas cher

    Majdoline Travel est une agence de location voiture Marrakech pas cher disposant d’un parc de v hicules adapt aux exigences de notre fid le client le.

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    Ceux qui visitent Marrakech ne l’oublieront jamais. L’architecture – les treillis mauresques en forme d’Г©toile, les fontaines enfoncГ©es, les jardins aromatiques et les mosaГЇques Г©tincelantes – vous feront sentir comme un sultan ancien. Il y a des centres de villГ©giature et des riads de charme pour favoriser cette sensation de luxe. Voyager Г Marrakech est Г propos de la rГ©alisation de vos fantasmes, une cuisine locale dГ©licieuse, des sites historiques fascinants, des magasins aux souks, du golf sous l’ombre des palmiers et des randonnГ©es dans les montagnes de l’Atlas. Le printemps et l’automne voient Marrakech Г son meilleur avec un soleil presque garanti et des tempГ©ratures confortables, les jours sont chauds et les nuits ne sont pas trop froides.

    Englisch Lernen Online – Grammatik, Vokabeln, Prüfungen, Spiele, englisch deutsch englisch.

    #Englisch #deutsch #englisch

    Englisch Lernen Online Grammatik, Vokabeln, Übungen, Prüfungen, Spiele

    Auf diesen Seiten findest du viele Informationen zur englischen Sprache. Du kannst online Vokabeln lernen, Grammatik üben, dir die Regeln noch einmal ansehen, dich auf eine Prüfung vorbereiten, Informationen für Referate finden, Tests machen, einfach nur mal spielen und noch vieles mehr. Bei mehr als 1000 Online-Übungen ist bestimmt auch etwas für dich dabei.

    Grammatik Vokabeln

    Im Grammatik Bereich erklären wir dir die Regeln. Lerne Englisch mit unseren Vokabellisten. Redewendungen, Sätze, Beispielbriefe und Informationen zur Landeskunde englischsprachiger Länder gibt es im Bereich Vokabeln. Überprüfe deine Englischkenntnisse anschließend mit unseren Übungen.

    Tests Prüfungen

    Überprüfe deine Englischkenntnisse online mit unseren Tests und Complex Tests. Wenn du dich auf eine Prüfung vorbereitest, findest du sowohl für schriftliche als auch für mündliche Prüfungen nützliche Tipps sowie spezielle Übungen für Prüfungen.

    Englisch Schule

    Wir bieten Arbeitsblätter für Schüler und Unterrichtsmaterial für Lehrer zum Download an. Unsere Übungen haben wir nach Klassen geordnet. Du kannst gezielt nach einer Übung suchen, wenn du die vierstellige Aufgabennummer eingibst.

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    Galgenraten spielen, Kreuzworträtsel lösen oder Wörter erraten kannst du in unserem Spiele Bereich. Informiere dich über das aktuelle Weltgeschehen in unseren Nachrichten in Englisch. Du kannst auch Englische Texte lesen und anhören.


    Englisch lernt man am besten in einem Land, in dem Englisch als Muttersprache gesprochen wird. Auf den Seiten zu den Sprachreisen bieten wir Informationen über Schülerreisen und Reisen für Erwachsene an.

    Englisch Forum

    Melde dich in unserem Englisch Forum an. Dort gibt es Antworten auf spezielle Fragen und auch Hilfe bei den Hausaufgaben. Lerne englische Muttersprachler kennen und unterhalte dich mit ihnen.

    News und Updates

    Hier stehen unsere neuesten Erklärungen und Übungen.

    Average Car Insurance Rates by ZIP Code, state car insurance rates. #State #car #insurance #rates

    Average Car Insurance Rates

    in Your Neighborhood

    State car insurance rates


    • State car insurance rates90010- LOS ANGELES: $2,552
    • State car insurance rates90038- LOS ANGELES: $2,507
    • State car insurance rates90020- LOS ANGELES: $2,494
    • State car insurance rates90028- HOLLYWOOD: $2,488
    • State car insurance rates93441- LOS OLIVOS: $1,071
    • State car insurance rates93437- LOMPOC: $1,088
    • State car insurance rates93427- BUELLTON: $1,091
    • State car insurance rates93401- SAN LUIS OBISPO: $1,095 commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

    Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

    It s always wise to compare car insurance rates because the price of a policy can differ by hundreds of dollars. That’s because car insurance companies use different formulas when deciding how much you pay. This means you could wind up paying a lot more than you need to if you don t shop around for the lowest price.

    Use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. To get a customized rate, select from among six age groups and three coverage levels and enter your gender. You can shop for a policy now by entering your information after clicking on the “Start Shopping Now” button above.