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How to Apply SSS Salary Loan Online. ~ Video

How to Apply SSS Salary Loan Online, NEF2.COM

#How #to #Apply #SSS #Salary #Loan #Online

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How to Apply SSS Salary Loan Online

How to Apply SSS Salary Loan Online, NEF6.COM

How to Apply SSS Salary Loan Online

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#How #to #Apply #SSS #Salary #Loan #Online

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GTA Online – Finance and Felony [All DLC Contents]? # Video

#GTA #Online #- #Finance #and #Felony #[All #DLC #Contents]

GTA Online - Finance and Felony [All DLC Contents], NEF2.COM

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GTA Online – Finance and Felony [All DLC Contents]

GTA Online - Finance and Felony [All DLC Contents], NEF2.COM

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Surge Centro de Estudios, embargos de coches.

#Embargos #de #coches

embargos de coches

  • Embargos de coches

    Presencial y On-line

    ВЎAprovecha la flexibilidad de nuestro sistema formativo!

    Embargos de coches

  • Embargos de coches

    SURGE te ofrece:

    Embargos de coches

    El Г©xito profesional depende de ti

    Queremos ayudarte a conseguirlo con la mejor formaciГіn profesional

    Perito de Seguros de Ramos Diversos

    SegГєn la Ley 20/2015, de 14 de julio Los peritos de seguros que intervengan en el procedimiento de tasaciГіn pericial contradictoria deberГЎn tener conocimiento tГ©cnico suficiente de la legislaciГіn sobre contrato de seguro y estar en posesiГіn de titulaciГіn en la materia sobre la que se debe dictaminar.

    Perito Judicial en ValoraciГіn de Motocicletas

    La formaciГіn de Perito Judicial en ValoraciГіn de VehГ­culos tiene muchas salidas profesionales como realizar valoraciones para subastas, embargos, ayuntamientos, contradictorias de la agencia tributaria, compra y venta, reparaciГіn, compaГ±Г­as de seguros, contra periciales, informes para empresas normas NIC, etc.

    Agente Inmobiliario

    La formaciГіn que ofrecemos a los Agentes Inmobiliarios cumple con todos los requisitos y capacita al alumno para asesorar con todas las garantГ­as en temas de Urbanismo, Derecho, Fiscalidad, Valoraciones, etc.

    Incluye AcreditaciГіn Profesional al finalizar el curso.

    Perito Judicial CalГ­grafo

    Este curso te propone un programa completo y prГЎctico, con herramientas Гєtiles y eficaces para que puedas ejercer la profesiГіn de Perito CalГ­grafo y responder a todas las demandas y exigencias que te soliciten los diversos profesionales.

    Perito Judicial Inmobiliario

    Un Perito Judicial Experto en Valoraciones Inmobiliarias no solamente debe saber calcular el valor de un bien inmueble.

    Debe poder razonar y justificar cГіmo se ha calculado dicho valor de acuerdo a la legislaciГіn vigente, utilizando uno de los mГ©todos de valoraciГіn reconocidos y homologados para dicho procedimiento.

    Perito Judicial en ValoraciГіn de Embarcaciones

    Dirigido a todas las personas que quieran prepararse y trabajar como Peritos de Embarcaciones de Recreo, con un contenido completamente actualizado y adaptado a las necesidades profesionales de este sector.

    Perito Judicial Experto en GrafologГ­a

    Este curso, estГЎ expresamente diseГ±ado para la preparaciГіn de expertos periciales, ofrece un tratamiento de las distintas disciplinas que se han de dominar en el peritaje judicial y tiene como objetivo el proporcionar los conocimientos necesarios para iniciar, realizar y concluir una peritaciГіn y capacitarlo para la redacciГіn del informe.

    Perito Judicial en Valoraciones de Contenido

    Las Valoraciones se basan en opiniones fundamentadas, por ello, cuanto mГЎs avancemos en profundizar en los procedimientos para llegar a Г©stas, mayor solidez tendrГЎn, reduciendo los problemas debidos a las discrepancias de las partes.

    Perito Judicial en ValoraciГіn de VehГ­culos

    La formaciГіn de Perito Judicial en ValoraciГіn de VehГ­culos tiene muchas salidas profesionales como realizar valoraciones para subastas, embargos, ayuntamientos, contradictorias de la agencia tributaria, compra y venta, reparaciГіn, compaГ±Г­as de seguros, contra periciales, informes para empresas normas NIC, etc.

    GestiГіn de Comunidades y Patrimonios

    El Gestor y Administrador de Comunidades y Patrimonios Inmobiliarios es un profesional que ha de poseer una formaciГіn adecuada a las funciones a desempeГ±ar: gobierno y conservaciГіn de bienes encomendados, obtenciГіn del rendimiento adecuado, asesoramiento de las cuestiones relativas a bienes inmuebles y una gestiГіn documental integral.

    MediaciГіn en Asuntos Civiles y Mercantiles

    Surge es entidad externa colaboradora del Ministerio de Justicia, este curso es vГЎlido para el acceso al Registro de Mediadores segГєn Ley 5/2012 de MediaciГіn en Asuntos Civiles y Mercantiles.

  • Aides au logement: locataire ou propriétaire chacun peut en bénéf – Crédit Agricole, aide au logement.

    #Aide #au #logement

    Aides au logement : y avez-vous droit ?

    Les aides personnalisées au logement ont été revalorisées de 2,95 % au 1er janvier 2009.

    Locataire ou propriétaire, ces allocations, qui allègent le remboursement d’un prêt immobilier ou le paiement du loyer, vous concernent peut-être. Voici ce qu’il faut savoir.

    Deux grands types d’allocations

    Les différentes aides au logement ont un même objectif : permettre à ceux qui en bénéficient, qu’ils soient locataires, propriétaires ou accédants à la propriété, de réduire leurs dépenses de logement.

    On distingue l’APL (Aide personnalisée au logement) et l’AL (Allocation logement), ce dernier se scindant en deux : une Allocation Logement Familiale (ALF) et une Allocation Logement Sociale (ALS).

    La demande des aides, quelles qu’elles soient, s’effectue auprès de la CAF (Caisse des allocations familiales) ou de la MSA (Caisse de Mutualité Sociale Agricole) pour ceux qui en dépendent.

    Ce sont ces mêmes organismes qui versent les aides. L’APL est versée directement au bailleur ou à l’établissement ayant accordé le prêt, selon que le bénéficiaire est locataire ou propriétaire. L’AL est généralement versée au bénéficiaire, mais peut aussi , sur demande, être servie comme l’APL.

    Aides soumises à conditions

    L’APL est octroyé aux locataires d’un logement ayant fait l’objet d’une convention entre l’Etat et le bailleur, ainsi qu’aux propriétaires (ou personnes accédant à la propriété) dont l’acquisition, l’aménagement ou l’agrandissement de leur logement est financé en prêt aidé par l’Etat (PAP), un prêt conventionné (PC) ou un prêt d’accession sociale (PAS).

    Il faut en outre remplir d’autres conditions, notamment ne pas dépasser un certain plafond de ressources.

    Ceux qui ne remplissent pas les conditions pour toucher l’APL, peuvent se voir attribuer une AL. L’ALF est surtout attribuée aux ménages ayant des personnes à charge et l’ALS aux ménages qui n’ont le droit ni à l’APL ni à l’ALF.

    Parmi les conditions à remplir pour toucher une AL : la salubrité du logement et une superficie minimale par occupant.

    À noter

    L’APL, l’ALF et l’ALS ne sont pas cumulables entre elles.

    Le montant : jamais fixe

    Le montant d’une aide au logement dépend de plusieurs critères et son calcul se fait selon des barèmes complexes.

    Des éléments tels que les ressources, la situation familiale, la nature du logement, le nombre de personnes à charge et le lieu de résidence rentrent en compte.

    De même, le montant est révisé au moins une fois par an. Tout changement de situation peut en effet entraîner un nouveau calcul à la hausse ou à la baisse.

    Les aides au logement ont été augmentées de 2,95% le 1er janvier 2009. Cest la plus importante hausse depuis 5 ans.

    La prime au déménagement

    Ceux qui déménagent à l’occasion de la naissance de leur troisième enfant ou plus, ou bien qui ont trois enfants à charge, le dernier ayant moins de 2 ans, peuvent avoir droit à une prime de déménagement. Les conditions d’attribution sont disponibles auprès des caisses d’allocations familiales.

    Le montant de cette prime est fixé jusqu’au 31 décembre 2009 à 934,08 € si vous avez trois enfants et à 1.011,92 € si vous en avez quatre.

    Pour plus d’informations

    Plusieurs sites Internet vous permettent d’accéder en détail aux conditions d’attribution des aides au logement et de faire des simulations afin de connaître vos droits en la matière.

    En voici les principaux : C’est ici aussi que vous pouvez télécharger un formulaire d’aide au logement (formulaire unique).

    © Uni Editions – Février 2009

    Sous réserve d’acceptation de votre dossier de prêt immobilier par votre Caisse régionale de Crédit Agricole, prêteur.

    Vous disposez d’un délai de réflexion de 10 jours pour accepter l’offre de prêt. La réalisation de la vente est subordonnée à l’obtention du prêt. Si celui-ci n’est pas obtenu, le vendeur doit vous rembourser les sommes versées.

    Pour les prêts réglementés : selon les conditions en vigueur, susceptibles d’évoluer.

    Tinas para baños pequeños, imagenes de muebles para baños pequeños.

    #Imagenes #de #muebles #para #baños #pequeños

    Tinas para baños pequeños

    Estas tinas aunque pequeñas que parezcan son perfectas para esos baños que no poseen grandes dimensiones, ya que además de ofrecer un toque sensacional en el área, también provee un perfecto relax a las personas a la hora de tomar sus duchas regulares.

    Imagenes de muebles para baños pequeños

    36 Comentarios

    Me interesa poner una tina de baño muy pequeña . Le doy las medidas, luego para que me hagan la cotizacion.

    hola , cual es el precio de la tina que esta en la foto y donde lo puedo ordenar y cuanto me cuesta el envio

    ala ciudad de puebla

    Necesito contacto para informes y cotización.

    hola Buenas tardes,

    me gustaría me cotizaran ese diseño y si me la pueden enviar voy a tomar medidas de mi baño y les doy el dato. Gracias

    Quiero saber si manejan tinas tipo bañera para adulto que no se tenga que instalar, que se puedan quitar y poner fácilmente (portátiles). Y si es así me pueden proporcionar medidas?.

    me gusto mucho la tina y el mueble, me puedes decir las medidas y cuanto es el costo total y separado, te comento no quiero hidro solo tina

    gracias por su pronta respuesta

    Favor informarme costo de tina para espacio en área de regadera de 1.00 x 1.50 en CP. 62738

    quisiera presupuesto de una tina de 60 x 1.50 como los contacto?

    Necesito que me fabriquen un baño a medida. ¿con quien puedo contactarme?

    1.10 x 60cm necesito una tina de esta medida en cuanto costarían de que material están echas y en donde están en el d.f

    Me interesa una tina de 1.30 / 75 cm.

    Y cuanto me sale.. Ya en Manzanillo Colima.

    Hola estoy construyendo y necesito que me ayuden a decidir que tina seria la mas ideal y moderna, el largo del espacio: 2m de largo x 1 de ancho

    Hola me gustaria, de ser posible, que me pasen el presupuesto de tina que se ve en la foto, kas medidas serian, 1,30 x 0,70 x 0,40.

    Cuanto cuesta esta tina, y donde estan, gastos de envio a puebla…

    Buenas tardes, quería saber si se podría hacer una tina de 1.10 x 60cm y de ser así aproximadamente cuanto costaría y cual seria el tiempo de entrega.

    Nesecito una tina sencilla de 120 x 120 color bco…. tendran una asi? Gracias

    La belleza se garantiza y el toque moderno que logra ofrecer a cualquier dormitorio esta cien por ciento garantizado, lo único tedioso es que la limpieza debe ser constante ya que los cristales se tienden a poner opacos y se logra visualizar cualquier imperfección a leguas, sin embargo, la limpieza se hace bien rápido ya que son 3 o cuatro paredes y existen productos y herramientas especiales que los limpiarán en un segundo.

    Lo mejor de estas paredes de cristal es que el espacio lucirá mucho más grande ya que no habrá frontera ante el ojo humano. La privacidad entre las parejas queda completamente abierta, ahora si el hombre o la mujer no se sienten cómodos, pueden colocar una cortina que luego deberá ser quitada una vez se retire del baño.

    Uno de los materiales de mayor utilización son los espejos y el cristal, ya que estos otorgan sofisticación y estilo, principalmente cuando se trata del baño ubicado dentro de la habitación principal. Últimamente una de las estrategias decorativas para ambientar el baño dentro de las habitaciones matrimoniales es utilizar muros o paredes de cristal, lo cual ofrece mayor iluminación, estilo, originalidad y elegancia total.

    La decoración en los baños debe ser sencilla pero a la vez elegante y muy funcional. Decorar el baño en la actualidad es bien fácil debido a los diversos materiales, equipos, mobiliarios y elementos decorativos que se han ideado para aumentar la elegancia y la funcionalidad en estos espacios. La sencillez, la elegancia y la funcionalidad deben de ir de la mano para así crear un espacio relajante y cómodo.

    ¿Cuáles son las dimensiones y el precio de la tina para baño pequeño, SIN hidromasaje?

    ¿Cuál es su dirección y teléfono en el DF?



    Buenos días, me intereso mucho la tina mostrada en el articulo Tinas para baños pequeños&. Por favor cotizenmela. Mi área de regadera actual que es donde la pondría es de 0.90×1.50. Solo llevaría gaveta en una cara que seria la de 1.50. Gracias.

    Me gusta esa tina ,podrían decirme las dimensiones,costo y donde las venden, gracias

    Metropole Ourense – Inmobiliaria Ourense MetropoleOurense, casa venta.

    #Casa #venta

    Inmuebles Destacados

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    Casa venta

    Cuando te dispone a vender o alquilar una vivienda de segunda mano son muchos los detalles que pueden darte ventaja. En especial si quieres venderla más pronto que tarde. Mucho depende de la calidad de los materiales y del trato que hayan recibido a lo largo de los años, pero si tienes cualquier duda de si algo gustará o no a un tercero, probablemente sea un ‘no.

    Lo principal es realizar en la vivienda obras que le añadirán valor y puedan ayudarte a cerrar la venta o un alquiler con opción a compra por un precio más atractivo. Si haces la cuenta, es muy probable que la inversión te compense.

    Los profesionales de Metropole Ourense, te recomiendan entre otras:

    La cocina, es imprescindible

    Te guste cocinar o no, una cocina en condiciones nunca está de más. Si no te quieres gastar demasiado, basta con que cambies la encimera por una de granito o mármol. Y si la casa incluye electrodomésticos que estén viejos. cámbialos por algo decente. Te costará encontrar a alguien que quiera terminar de romper tu vieja lavadora.

    Pero si se va de presupuesto, mejor intenta colocar la cocina sin electrodomésticos y haz una inversión (por menos de 300 euros) pintando los muebles y cambiando los tiradores y la grifería. Nunca olvides una máxima de las inmobiliarias: una buena cocina vende una casa.

    Según los decoradores, los baños elegantes y modernos son los que más gustan. Así que si puedes deshacerte de esas baldosas ochenteras y las bañeras oscuras. Si el baño no es muy grande, un plato de ducha que ayude a maximizar el espacio puede ser la mejor opción. Aunque la reforma del baño es de las más caras, el precio de alquiler o venta podrá ser mayor si la casa está recién reformada.

    La magia de la brocha gorda

    Sí, pintar la casa es una de las formas más baratas y rápidas de refrescar el aspecto, especialmente si lo haces tú mismo o convences a tus amigos para que te ayuden. La única clave es no complicarse con los colores. El blanco siempre será una buena opción ya que, además de más luz, el comprador o inquilino lo tendrá fácil para adaptar la tendencia con los muebles, cuadros y lámparas.

    Y si es importante el color de las paredes, el suelo también puede cambiar drásticamente la apariencia de una casa. La madera es casi siempre una opción atractiva y, aunque no te vayas a plantear poner el mejor material, una tarima o una buena imitación de madera pueden ser una alternativa por cuatro euros el metro cuadrado. Y si ya tienes suelo de madera te puedes plantear pulir y barnizar.

    Foto: Jaime Serra / Parquets Serra Barcelona

    El ‘home staging es la mejor técnica para sacarle partido a la vivienda en el momento de la visita. Además de la decoración y la luz, los expertos recomiendan destacar los fuertes de la casa, reparar los desperfectos y eliminar todo el mobiliario que no sea indispensable, incluidos los objetos (demasiado) personales como las fotografías de las paredes. La clave es que a la persona interesada le cueste lo menos posible imaginarse allí.

    Tan importante es el interior como la sensación que tienes antes de entrar a una vivienda. Si es una casa independiente tendrás más margen de maniobra que si vives en un edificio, pero una buena puerta es lo mínimo. Lo mismo que las ventanas, terrazas o jardines, tu mejor carta para conseguir que la visita se vaya con buena sensación es que todo esté ordenado y limpio, incluida las ventanas por dentro y por fuera y sin plantas secas en la terraza

    Os presentamos la reforma realizada sobre una vivienda en Ourense, la vivienda ha sido completamente remodelada. El piso cuenta y contaba con 3 dormitorios, salón, cocina y 1 cuarto de baño en unos 70 m2. En esta ocasión la actuación principal, ha consistido en derribar el tabique entre cocina y salón, que provoba que ambos espacios fueran pequeños, apostando de esta forma por un modelo openconcept. De esta forma, además de ganar en amplitud y luminosidad, se crea un espacio más actual y vanguardista acorde con las dimensiones e la vivienda.

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    Si desea un presupuesto para la reforma de su vivienda pongase en contacto con nuestro personal en el 988217446

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    Donare il sangue è una virtuosa abitudine che tutti dovremmo avere. Tuttavia, e non è inutile dirlo, essendo una pratica delicata, esistono delle regole da seguire per farlo nel modo giusto. È dunque il caso di essere ben informati circa le controindicazioni e le modalità da seguire, prima di decidersi ad offrire il proprio contributo. Soprattutto in questo periodo dell’anno, moltissimi sono gli appelli dei medici per indurci a donare il sangue: questo perché l’estate è un periodo particolarmente critico in tal senso.

    In primis perché la popolazione tende ad aumentare per via della naturale crescita del flusso di turisti che raggiungono la nostra splendida nazione. Ma non è da sottovalutare un secondo elemento: le tante attività caratteristiche dell’estate, stagione all’insegna del divertimento più sfrenato, statisticamente conducono, purtroppo, ad un incremento degli incidenti. Sembra, dunque, non esista periodo dell’anno migliore di questo per donare: prepariamoci a farlo al meglio con le semplici indicazioni che seguono.

    La scarsa informazione e talvolta la paura degli aghi, possono indurre a rinunciare a donare il sangue anche coloro che invece sarebbero astrattamente intenzionati ad offrire il proprio sostegno al prossimo. Di fatto, è bene essere consapevoli della – forse scomoda – verità che donare il sangue, oltre ad essere estremamente semplice, è anche sicuro. Non solo il personale incaricato di eseguire i prelievi è sempre altamente qualificato, in più gli strumenti che vengono utilizzati durante il prelievo vengono precedentemente sterilizzati e sono sempre usa e getta. Non resta che ammettere dunque che la paura che l’idea di subire un prelievo di sangue potrebbe incutere in alcuni di noi è del tutto irrazionale. Legata ad una suggestione autoindotta e nient’affatto fondata, detto in altri termini: non ci sono rischi per i donatori.

    I requisiti richiesti per le donazioni di sangue

    I soggetti interessati a compiere una donazione di sangue, per essere legittimati a farlo, devono essere in possesso di pochi requisiti imprescindibili, ai sensi della normativa italiana in materia. Intanto: chiunque doni il proprio sangue deve senz’altro trovarsi in stato di buona salute, il che garantisce che il sangue sia utilizzabile: nessuna patologia infettiva trasmissibile, alterazione a carico di fegato e cuore, patologia cronica sono da considerarsi compatibili con la donazione.

    È poi richiesto il requisito dell’età: per poter donare devono essere stati raggiunti i diciott’anni, la scelta di donare il sangue deve essere libera e consapevole; mentre, dopo i sessant’anni è richiesto il consenso del medico prima di procedere al prelievo. Il peso corporeo dei donatori deve superare i 50 chili, la pressione arteriosa massima deve rientrare tra i 110 e i 180 mmhg; mentre la minima deve rientrare tra i 50 ed i 100 mmhg. Infine, il polso arterioso ritmico deve trovarsi tra i 50 ed i 100 battiti al minuto.

    A tutta una serie di categorie di soggetti è poi fatto divieto di donare in ogni caso. Si tratta coloro che hanno contratto, nell’arco della propria vita, l’epatite B o C; coloro che fanno uso abituale di sostanze stupefacenti; chi soffra di patologie cardiovascolari gravi; coloro che fanno abuso di alcool. Tutti questi soggetti anche se in possesso dei requisiti su riportati, non posso donare: questo per mantenere alti gli standard qualitativi di sangue da utilizzare sui pazienti che ne necessitano.

    Donare il sangue: controindicazioni

    Una volta appurato di essere parte della categoria dei potenziali donatori essendo in possesso di tutti i requisiti necessari, nulla più ci impedisce di recarci presso i centri aditi a tal fine e fare la nostra buona azione; nulla, o quasi. Esistono delle fasi della vita di ognuno di noi in cui donare sangue è caldamente sconsigliato. Si tratta di periodi temporanei e legati a circostanze che in qualche modo potrebbero penalizzare la sicurezza nonché la buona riuscita della donazione. Le donne in stato interessante o in periodo di allattamento – e comunque per almeno un anno dopo il parto –, ad esempio, devono astenersi dal donare il sangue: questo perché può essere pericoloso per la donatrice stessa.

    Ancora, chiunque assuma regolarmente farmaci o sia spesso sottoposto a interventi chirurgici, per la stessa ragione è bene che si astenga dal donare. L’organismo, indebolito dai trattamenti subiti, non deve subire prelievi di sangue che non siano strettamente necessari. Infine, non posso donare coloro che hanno fatto di recente ritorno da un viaggio in terre tropicali. Il periodo di astinenza dalla donazione, in questo caso, varia in base alle aree geografiche visitate e al rischio di malattie infettive eventualmente contratte.

    In ogni caso, quando ci si reca a donare per la prima volta è sempre richiesto di rispondere ad un questionario che renderà i medici edotti dello stato di salute dell’aspirante donatore e consentirà loro di valutare consapevolmente l’opportunità e la sicurezza della donazione da parte di ogni singolo soggetto. Ricordiamoci che donare il sangue non è un mero gesto simbolico, ma una pratica che può salvare la vita a moltissima gente. Cerchiamo perciò di compiere quello che per noi non altro che un piccolo sacrificio e che, per qualcun altro, potrebbe significare tutto.

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    Explora una de las maravillas del mundo moderno Cusco Machu Picchu, Observando los hermosos paisajes del Montaña 07 Colores – Vinicunca o el Valle Sagrado de los Incas, con senderos naturales y antiguos caminos incaicos, ofrecen un lugar ideal e incomparable para ser conocidos a través de caminatas, ciclismo de montaña o paseos a caballo, Si quiere una caminata espectacular y con las más altas dosis de emoción, esta se llama el “Camino Inca“.

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    Para el aventurero que visita por primera vez el Cusco, hacer canotaje es casi un deber. Para ello existen diversas alternativas Rafting Rio Apurímac, Rafting en el Rio Urubamba, Rafting Chuquicahuana, Cusipata, o en las altas montañas de nuestra región disfrute de la Gran variedad de flora y fauna de la Amazonía peruana.

    En el departamento del Cusco siempre habra bares, pub-cafes, karaokes, discotecas y zonas para acampar donde el turista podra divertirse con la mejor musica del momento, degustar de las bebidas nacionales e internacionales mas exóticas. Obviamente Cusco es reconocida como una de las mejores ciudades del mundo a la hora de divertirse.”Cusco nunca duerme”; así la han catalogado en varios documentales televisivos y ediciones impresas.

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    Situated a short distance from the town center of Avezzano, in the shopping area, Olimpia Hotel has as natural setting with imposing peaks of the Apennines Mounts of Abruzzo. The Hotel atmosphere suggests elegance, reservedness and comfort, making stays of business and touristic guests very pleasant, thanks especially to the accurate management of Nanni’s family of great hotel tradition that have made Hospitality a goal of life.

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    It has become during the years the leader of wedding parties and Gala dinners in the whole Marsica region, with his dining rooms that can contain over 450 people: “elegance marries simplicity”. The best specialities of regional and national cookery, products carefully selected are the best expression of our engagement in proposing the best of Italian cuisine and culture. Damask and flax table linen, crystal and silverware frames a dream that becomes reality.

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    For a culinary sensory experience in the new “winter garden” hotel Olimpia offers a pizza place where the yeast dough for more than 48 hours with fine flours, releases all its scent, inviting tasting pizzas, crushed, and stuffed buns, “panette” with PDO, PGI ingredients and slowfood, coming from Abruzzo National Park and Sirente-Velino-Salviano Park and with all the fruit that our territory generously gives us in every season.

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    By day it is easy to reach since it is adjacent and in continuity with the hundred well-being and the rooms, at night it is illuminated and offers a suggestive panorama.

    In summer, comfortably seated pool edge, you can savor the delights of the good table where classical cuisine has deliciously Mediterranean notes.

    Short and read the cooking, fresh fish and crustaceans, sublime desserts.

    Reserved and elegant, it boasts the ideal atmosphere for quick breaks as well as for quiet evenings.

    Business Center

    The Hotel Olimpia is the ideal place for conventions, formations course, meetings and workshops.

    Our centre is formed by 2 conference rooms that can be modulated and can contain from 15 to 100 seats with different solutions of setting up and it is provided with huge equipment of facilities in order to make easy the organization of every happening in a very absolute quietness and privacy.

    The business structure, conceived for conventions full day, is the perfect place for people wishing to combine work and relaxing moments of wellness, in the suggestive and elegant atmosphere of our beauty center.

    For such purpose we suggest special daily offers all inclusive.

    – Air Conditioning – Hangers – Chancellery – Secretary Help Desk Direct Telephone Line – Exibition Room

    Audio and Video Equipment

    – Microphones and Amplifiers – Slide Projector – TV Monitor – Laser Pointer – Radio Microphones – Boards – Projection Screen – Hi Fi – Video Aerial

    – Photocopy Machine – Fax Machine – Beverage – Coffee breaks – Flower Decoration – Transfer – Hostess – Secretary Service – Catering Service

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    Reliance on the information contained in this site is at your own risk.

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    In quest’area sono presenti le voci di menu che ti consentono di accedere alle sezioni che compongono il portale dell’Istituto.

    Selezionando questo pulsante si aprirà un menu a tendina che ti permetterà di selezionare la lingua che preferisci tra quelle disponibili.

    Nella sezione “Assistenza” potrai trovare i principali canali di comunicazione con l’Istituto come INPS Risponde, il numero del Contact center e le Sedi INPS.

    Accedendo a questa sezione puoi avere informazioni sui canali utilizzati da INPS per essere in contatto con la propria utenza. Inoltre, trovi le FAQ sull’utilizzo del portale e indicazioni su come ottenere e gestire il PIN.

    Passando il mouse sull’icona potrai visualizzare e selezionare il canale social INPS di tuo interesse (Facebook, Twitter e Youtube).

    Selezionando il pulsante potrai accedere direttamente alla lista di “Tutti i servizi” messi a disposizione dall’Istituto.

    Entrando in quest’area potrai specificare alcune informazioni sul tuo profilo previdenziale e ottenere l’elenco delle prestazioni corrispondenti alle tue caratteristiche.

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    Attraverso questo strumento puoi indicare delle parole chiave per trovare i contenuti di tuo interesse all’interno del portale.

    Quest’area ti consente di avere una visione generale dei temi più cercati dagli utenti. In alternativa, puoi utilizzare la voce “Tutti i temi”.

    In quest’area sono presenti i contenuti posti in primo piano dall’Istituto.

    In quest’area puoi accedere ai contenuti collegati alle singole categoria di utenza.

    In quest’area puoi accedere ai contenuti collegati alle singole categorie di utenza o ai singoli temi di tuo interesse.

    In quest’area puoi consultare i contenuti correlati ai tuoi interessi.

    In questa sezione sono presenti i servizi che hai utilizzato più recentemente.

    Qui puoi trovare i contenuti che interessano agli utenti con il tuo stesso profilo.

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    Qui puoi trovare i servizi più utilizzati dagli altri utenti.

    In quest’area sono raccolti i contenuti del portale più condivisi sui social media, i più visti e quelli maggiormente cercati dagli utenti. Il numero dei contenuti visualizzati può essere esteso utilizzando le voci dedicate.

    In quest’area sono raccolti, in ordine cronologico, i post Facebook e i tweet pubblicati da INPS.

    Location appartement: annonces appartements а louer, appartement a louer france.

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    AARP Life Insurance Program from New York Life, life insurance rate chart.

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    † Includes details on costs, eligibility, renewability, limitations and exclusions.

    New York Life Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, producers, or brokers. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members.

    The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. AARP membership is required for Program eligibility. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Group policy forms AA-08, AA-66, AA-67, AA-68, AA-71, AA-72 and Individual policy forms ILJUV6, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-OH, ILJUV6-VT).

    Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust.

    Young Start is a service mark of New York Life Insurance Company.

    The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at 1-800-865-7927 .

    © 2018 New York Life Insurance Company. All rights reserved.

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    Life insurance rate chart

    Travelers Insurance, Auto Insurance, Car Insurance Quotes, Business, Homeowners, nc automobile insurance.

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    Aktien zertifikate, aktien zertifikate.

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    Die Anlage-Zertifikate der Helaba. Garantiert passend.


    ** Gemeinsames Verbundrating der Sparkassen-Finanzgruppe Hessen-Th ringen

    Aktuelle Produkte

    Carrara Tilgungsanleihen

    Die Carrara Tilgungsanleihen sind Wertpapiere, die einen festen Zinsertrag bezogen auf den jeweiligen Ausstehenden Nennbetrag bieten. Die Laufzeit und die Art der Tilgungs-Zahlungen während der Laufzeit und die Zahlungen bei Fälligkeit sind vorgegeben. Am Ende der Laufzeit erfolgt die Rückzahlung des zu diesem Zeitpunkt noch Ausstehenden Nennbetrags zu 100,00 %.

    Carrara Zuwachs- und Festzinsanleihen in der Zeichnung

    Carrara Zuwachs- und Festzinsanleihen haben eine feste Verzinsung, die in der Regel jährlich ausgezahlt wird. Bei Carrara Zuwachsanleihen ist die Zinsstaffel in den meisten Fällen ansteigend. Bei Carrara Festzinsanleihen erfolgt die Verzinsung.

    DDV zum Marktvolumen Ende Juli 2017

    Zertifikatemarkt startet positiv ins 2. Halbjahr.

    DDV zum Marktvolumen Ende Juni 2017

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    Zertifikatemarkt legt zu


    Anstehende Zahlungen f r die Woche vom 09. – 15.01.2018

    Ver ffentlichungen im E-Bundesanzeiger

    Folgende Ereignisse werden von der Landesbank Hessen-Th ringen im E-Bundesanzeiger ver ffentlicht: regul re F lligkeiten, sofern die R ckzahlung an ein Ereignis gebunden ist (R ckzahlung von Aktienanleihen und R ckzahlungen von strukturierten Anleihen), Zinssatzfestlegungen (Floater und Strukturierte Produkte), vorzeitige R ckzahlungen aufgrund von Erreichen des Zielzinses oder Eintritt eines Ereignisses, K ndigungen und Kapitalma nahmen. Falls Sie eine Ver ffentlichung (Anzeige) zu einem bestimmten Wertpapier suchen, folgen Sie bitte diesem Link: Auf der Startseite finden sie eine Suchfunktion. Bitte geben Sie unter „Suchbegriff“ die ISIN (z. B. DE000HLB2DE7) des gesuchten Wertpapiers ein.

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    Ancora, Alquiler de Vehículos, alquiler de furgoneta.

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    Alquiler de furgonetas en Madrid

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    Vehículos sin chófer en Madrid

    ¿Necesita un vehículo sin chofer en Madrid? Nosotros le facilitamos el trámite. Le proporcionamos un vehículo de nuestra flota al mejor precio. Consulte nuestras tarifas de alquiler de vehículo sin chofer en Madrid, Alcorcón y Villalba

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    Su Furgoneta para mudanza en Madrid

    Servicio de furgonetas para mudanzas:

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    Somos su empresa para el alquiler de furgonetas en Madrid, Alcorcón o Villalba. Consulte presupuesto sin compromiso. Si usted busca alquilar una furgoneta o coche en Madrid, Alcorcón y Villalba, podemos ayudarlo!. Ancora tiene la mejor flota para alquiler de coches y furgonetas sin conductor a precios económicos.

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    En muchas ocasiones necesitamos un vehículo con unas características determinadas para realizar algún desplazamiento concreto. Ancora le pone a su alcance una gran flota de modelos de furgonetas y minibuses para que pueda realizar ese desplazamiento que con su vehículo no le es posible. Disponemos de vehículos de hasta 9 plazas para que pueda desplazarse cómodamente con su familia. Además, en el caso de que necesite realizar algún transporte de mercancía, disponemos de vehículos destinados a la carga y descarga. Nuestro objetivo es que nuestros clientes cumplan sus expectativas, sin preocuparse del alquiler de su vehículo. Ancora quiere ofrecer a sus clientes un servicio cómodo, sencillo y económico, facilitando el servicio de alquiler de furgonetas en Madrid a nuestros clientes. No lo dude y si necesita un alquiler económico de vehículos en Madrid, le ofrecemos una amplia gama para satisfacer sus necesidades a un precio muy económico. Consulte nuestros catálogos con nuestros modelos y sus precios.

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    Associate Degree in Medical Billing and Coding, online medical billing and coding degree.

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    Online Associate Degree in Medical Billing and Coding

    Do you have a strong desire for working in the medical field, but also torn because you love the idea of working at home and making your own hours? While medical billing and coding is a career that is often overlooked, it is actually one that is growing progressively over the years. By getting an associate’s degree in the field, you will be one step closer toward starting a career that will allow you to immerse in the healthcare profession while having the freedom to work from home if you want.

    As the Baby Boomers get older, the medical industry is expected to grow tremendously over the years. Because people need to regularly get physical check-ups or see a doctor due to illness, there is always a constant need for the healthcare industry. With that said, there is no better time to get into medical billing and coding.

    Now, you might be wondering what exactly medical billers and coders do on a daily basis. In short, they are responsible for making sure that your doctor’s appointment actually gets billed to the insurance provider, and that they pay the right amount for the right procedure. Because this position essentially bridges the gap between doctors and hospitals to the insurance industry, it is a very important one. Doctors depend on medical billers to get reimbursed for their time and work.

    Getting a degree in this subject is not mandatory, but like most careers these days, having one surely helps. The associate’s degree typically takes two years of full-time study to complete. However, if you choose to earn your credential online, you may be able to complete it earlier. Depending on how many classes you can take per quarter/semester, you may be able to finish a lot quicker.

    Online medical billing and coding degree

    Keiser University

    Keiser University’s Associate of Science degree in Medical Administrative Billing Coding prepares students to assign accurate medical codes for diagnostic procedures and other services offered by healthcare practitioners.

    Common Associate’s in Medical Billing and Coding Curriculum

    By committing to an associate’s degree in medical billing and coding, you can expect to learn a plethora of things in the medical field and more. With so much to learn, it is unlikely that you will get bored with your studies.

    For example, you might take coursework in the following subjects:

    • Medical terminology
    • Anatomy
    • Health care organization
    • Disease processes
    • Diagnostic coding
    • Procedural coding
    • Medical law
    • Time management

    The list goes on, but this should give you a pretty good idea of what you can expect to learn at the associate’s level.

    In addition to medical billing and coding related courses, you will also be required to take some electives and general education classes before graduating. These classes will help you develop a well-rounded foundation of knowledge that will be useful in understanding real-life situations and succeeding in your job in the future. For example, you might take introductory classes in art, math, science, history, language, and more. Many of these general education course requirements can be waived if you took AP classes and passed their respective exams in high school. If this sounds like it might be you, we recommend checking with your college counselor to see which classes you might not have to retake.

    Associate’s in Medical Billing and Coding Careers

    Once you’ve earned your medical billing and coding associate’s degree, you can expect to find work at private practices, hospitals, clinics, and insurance companies. If you have always wanted the freedom and comfort that comes with working from home, you can do that too! This is what many people do these days since the Internet has made it much more convenient and practical to do so.

    If you don’t like interacting with others face-to-face and prefer to work behind a computer all day, you will love that this career is one of the few that do not require direct interaction with patients. Instead, you may converse with patients, doctors, and insurance companies by phone. Mostly, you will be sitting at a desk with a computer all day working with billing and coding data.

    The salary for a medical billing and coding professional will depend on your education, location, and experience. You can earn anywhere from $25,000 to $45,000 a year in this industry. Since this field is growing over the years, students can expect the salary to go up as demand increases.

    Compare Cheap Car Insurance Quotes, how to get car insurance quotes.

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    Car Insurance

    Save up to £273 on your car insurance*

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    How to get car insurance quotes

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    How to get car insurance quotes

    How to get car insurance quotes

    How to reduce the cost of car insurance

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    Medical Billing School Las Vegas – The Medical Coding Schools, medical billing school las vegas.

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    Medical billing school las vegas University Of Nevada, Reno School Of Medicine

    The University of Nevada, Reno School of Medicine was the State s first public medical school leading the way to better health for Nevada, November 7, 2016 Las Vegas Informer. More In the News. Events. ECHO Clinics: Behavioral Health in Primary Care.

    Medical Billing And Coding Schools Programs | Carrington

    Looking for a medical billing and coding school? Carrington College medical billing coding classes and training at schools in AZ, CA, ID, NM, NV, OR WA. Las Vegas, NV ; Reno, NV ; Oregon . Portland, OR ; Texas . Mesquite, TX . Dallas Area. Washington . Spokane, WA ; View All; ADMISSIONS.

    Las Vegas; North Carolina. Charlotte; Ohio. Dayton; Tennessee. Nashville; Texas. Arlington; Beaumont; Brownsville; Corpus Christi; Dallas; El Paso; Fort Worth; Friendswood; Houston North; Laredo; McAllen; consider an online program at our affiliated school, Virginia College.

    Accredited Medical Coding Schools In Las Vegas, Nevada

    Medical Coding Schools In Las Vegas, Nevada. Medical Coding faculty can choose to work at only one medical coding school in Las Vegas. The graphs, Health Information Schools in Las Vegas; Medical Billing Schools in Las Vegas;

    Top Medical Billing And Coding Schools In Las Vegas | NV

    Finding an accredited medical billing and coding school in Las Vegas is not a difficult enter a keyphrase such as Accredited Las Vegas Medical Billing and Coding Schools Although there are averages with respect to the income a medical biller and coder in Las Vegas can expect

    Top Medical Billing Schools In Las Vegas Online Education

    Looking for top Las Vegas medical billing schools? Find medical billing degrees, courses, certificates, and more Education Database Online. Northwest Health Careers, the highest ranked school in the city with a medical billing program,

    Top Medical Billing And Coding Schools In Las Vegas

    Looking for top Las Vegas medical billing and coding schools? It is the 3956th highest ranked school in the USA and the 19th highest in the state of Nevada Medical Assistant; Medical Billing and Coding; Medical Imaging; Medical Informatics; Medical Office;

    Medical Administrative Assistant School In Las Vegas Northwest

    Medical Administrative Assistant School in Las Vegas [layerslider id= 11 ] Why Pharmacy Tech at NWCC? Graduate in as little as 10 months Northwest s schedule allows you to attend Pharmacy Tech training, care for family and have a balanced life in Las Vegas while advancing towards your new

    Las Vegas Medical Billing Coding Schools Everest College

    If you re ready to purse a new career and seek a medical billing and coding school in the Las Vegas area, consider training at Everest in Henderson, Everest medical billing and coding school in the Las Vegas area that can help you prepare for Electronic Medical Billing Network of

    What Are The Top Medical Coding Schools In Las Vegas, NV?

    Read the latest information on the top medical coding schools and medical coder jobs and salaries Kaplan College-Las Vegas Campus is the largest medical coding school in Las Vegas, Administrative Assistant Schools in Las Vegas; Medical Billing Schools in Las Vegas; Medical Coding

    Medical Billing And Coding Schools, Training Education

    Find Your Medical Billing School Today. Medical Billing Schools is an online career and education resource for professionals and students in medical insurance billing, medical coding and medical records analysis.

    3 Accredited Medical Billing Schools In Las Vegas, Nevada

    In Las Vegas, there are 3 medical billing schools where medical billing faculty can find employment. Las Vegas medical billing schools offer 3 medical billing degree and certificate programs. Student Completed Medical Billing Degrees In Las Vegas .

    CSN features over 200 degree certificate options with an easy-to-follow path Preparing students for entry-level and advanced careers as first-responders in the emergency medical field. Criminal Justice Program School of Las Vegas, NV 89144. Western Center. 4601 W. Bonanza Rd. Las Vegas

    Medical Billing Schools In Nevada (NV) | Medical Billing

    Gain the skills you need to join the field of medical coding in Las Vegas, Reno and other NV Cities. Medical and from a variety of reputable Medical Billing degrees. Las Vegas and Reno offer the majority of Medical Billing Connect With a Medical Billing School Near You; Find Schools

    Medical Billing | Las Vegas Billing Company For Doctors

    Physicians Solutions is an innovative, full service Medical Billing and Consulting company offering comprehensive and cost effective solutions to meet the unique needs of your practice. Las Vegas Medical Billing Company

    Top Medical Billing And Coding Schools In Nevada | NV

    Find Accredited Medical Billing and Coding Schools in Nevada. When you re looking for a school that offers medical billing coding training programs, it s important to make sure the school is accredited.

    Las Vegas Medical Billing

    Las Vegas Medical Billing only gets paid when you get paid. Our medical billing specialists are dedicated to getting you as much money as possible. The way to maximize revenue is to lower the cost per dollar collected

    What Are The Top Medical Billing Schools In Las Vegas, NV?

    Las Vegas s largest medical billing school is Anthem Institute-Las Vegas and is accredited by the Accrediting Commission of Career Schools and Colleges you may want to consider attending one of the 3 medical billing schools in Las Vegas, Nevada.

    Medical Coding Jobs In Las Vegas, NV

    Medical Coding Jobs in Las Vegas, Nevada 16 Las Vegas, NV Medical Coding jobs found on Monster. 16 jobs

    Specialized Medical Billing

    Your Complete Medical Billing Solution: 702.463.9820: Home; About Us; Services; Testimonials; Contact Us ; WELCOME TO SPECIALIZED MEDICAL BILLING. Located in Las Vegas Our SMB Account Representative is exceptional. To this day, SMB continues to address all our billing issues on a medical

    Comparador de Seguros de Coche, contratar seguro de coche online.

    #Contratar #seguro #de #coche #online

    Seguros de Coche

    Comparar seguros de Coche online tiene muchas ventajas: en sólo unos minutos obtienes varios presupuestos personalizados, ordenados por precio y con acceso a comparar las coberturas que incluyen. Además, con tienes el mejor precio garantizado por las aseguradoras.

    Calcular el mejor precio para tu seguro de Coche nunca ha sido tan fácil y rápido

    Calcula precios en menos de 3 minutos

    Compara entre aseguradoras líderes

    Contrata directamente con la compañía

    Más de 30 compañías en nuestro comparador de seguros de Coche

    de ahorro medio en tu seguro a terceros ampliado

    ¿Por qué comparar seguros de Coche?

    Actualmente con más de 30 compañías de seguros activas en España, calcular el mejor precio para el seguro de tu coche es fundamental. La oferta es muy amplia, las condiciones varían en función de cada aseguradora, y no sólo hay que mirar precio sino también qué coberturas se incluyen. Analizar las opciones puede ser una tarea compleja por lo que nunca está de más tener ayuda durante el proceso, y, de paso, ahorrar tiempo y dinero.

    Encontrar un seguro más barato y completo es posible si se cuenta con las herramientas adecuadas.

    En aparecen los precios que envían las compañías en tiempo real y ajustados al perfil de usuario. Así no solo conseguirás que el precio de la póliza sea el más barato posible para cada conductor, sino que también ahorrarás muchísimo tiempo.

    Mejor precio garantizado en todas las aseguradoras

    Termina en menos de cinco minutos

    Compara las coberturas al detalle

    Todos los vehículos: turismos, todoterrenos, furgonetas.

    Conoce lo que piensan nuestros usuarios

    Ha sido fantástico consultar en vuestra página, me acabo de ahorrar casi 300€, imagínate que alegría me he llevado.

    Un servicio muy rápido y muy completo. Ofrece la información y al mismo tiempo el teléfono para contactar con el seguro, alto grado de personalización para introducir detalles del coche y que el presupuesto sea más ajustado.

    Me sorprendió la claridad de la información detallada y muy bien comparada. Pude sacar una idea muy rápidamente en cuanto a lo que era mejor en mi caso. Excelente.

    Si quieres ahorrar en tu seguro de Coche como nuestros usuarios, compara ahora.

    Calcular seguros de Coche: Factores que influyen en el precio

    El tipo de póliza, el coche, el conductor y su historial son determinantes para calcular el precio del seguro. Así es como influyen estos factores en el coste final:

    Tipo de Póliza

    Un seguro a Terceros es la opción más barata, seguida de Terceros Ampliado. Un Todo Riesgo es la elección más cara y completa.

    Tipo de coche

    La marca, el modelo, el motor o el combustible influyen mucho en el precio. Asegurar vehículos de mucho valor o potencia es más caro.

    Perfil de conductor

    En este caso ser joven no juega a nuestro favor, a más edad y años de experiencia al volante menos coste. Influyen también otros factores como el estado civil, la profesión, nacionalidad o el hecho de tener o no hijos.

    El historial siniestral del conductor

    Un conductor que haya tenido varios accidentes con culpa pagará más que otro que no haya dado partes.

    La localidad

    Residir en un lugar donde llueva mucho, nieve o haya posibilidad de desastres naturales con frecuencia encarece el precio del seguro.


    Aparcar en un garaje individual, colectivo o directamente en la calle, es otro de los factores que se tienen en cuenta a la hora de obtener un presupuesto.

    La compañía aseguradora

    Los seguros de Coche pueden ser muy diferentes de una marca a otra. Cada compañía tiene sus propios criterios para calcular el precio de un seguro.

    Tipos de seguro de Coche

    Es bueno conocer los tipos de seguros de coche que ofrece el mercado para elegir el que más te interese. A la hora de calcular el precio de tu seguro debes tener en cuenta que el rango de coberturas varía bastante de unos a otros. En la actualidad los principales seguros de coche son: Terceros, Terceros Ampliado, Todo Riesgo y Todo Riesgo con Franquicia.

    Term Life Insurance at Work, MetLife, affordable life insurance rates.

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    Term Life Insurance

    Available through the workplace, MetLife Term Life Insurance is a cost effective way to help provide financial protection for your family with coverage for a selected period of time.

    Affordable life insurance rates

    Common types of term life insurance that may be available through your workplace include:

    Basic Term Life: Generally an employer-paid coverage offered for a set period of time that provides your beneficiaries with essential financial protection.

    Supplemental Term Life: An employee-paid benefit allowing you to purchase additional protection as your needs change over time. Dependent, spouse or domestic partner coverage may also be available. 1

    Dependent Term Life: Provides coverage for your spouse, civil union partner or domestic partner and eligible children.

    For complete plan details, talk to your company’s benefits administrator.

    A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child’s college education may become much more difficult.

    Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

    In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

    • Replacing lost income
    • Covering basic living expenses
    • Paying household debts, estate taxes and funeral expenses
    • Funding a child’s education
    • Supplementing retirement savings

    Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

    Term life insurance pays a specific lump sum to your loved ones, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

    Generally, you should consider a term life insurance policy to:

    • Get valuable coverage at an affordable price
    • Help cover specific financial responsibilities like a mortgage or college expenses
    • Supplement a permanent policy

    Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means the value of the policy may grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of policy is typically portable so coverage can continue if employment terminates.

    Consider a permanent insurance policy if you want:

    • Protection for life
    • Payments that stay the same each year
    • To put additional money into the policy on a tax-favored basis
    • Cash value you can use while you are living

    Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

    • Competitive group rates
    • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
    • Convenient payroll deductions
    • Easy access to enrollment and educational tools that can help you make decisions about the type and amount of insurance that’s right for you
    • The confidence of knowing that your employer has reviewed and selected the plan

    All you have to do is sign up, and sometimes enrollment is automatic.

    Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses.

    While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

    To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

    • Salary
    • Benefits/health insurance
    • 401(k) and retirement savings
    • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

    Then, subtract your personal expenses including:

    • Annual spending on personal needs, such as food, clothing, entertainment, etc.

    Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price. 2

    Premiums are typically based on factors such as:

    • Age, sex, height and weight
    • Health status, including whether or not you smoke
    • Participation in high-risk occupations

    Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.

    Cheap Car Insurance from Titan Insurance Company, cars with cheap insurance.

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    Titan car insurance coverage

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    Quality customer service

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    Commercial auto insurance

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    California AB60 Information

    Check out our resources and workshops to help with questions around AB60.

    Connect with Titan: Cars with cheap insurance Cars with cheap insurance

    ©2017 THI Holdings (Delaware), Inc. Affiliated Companies. All Rights Reserved. Home Office: Cleveland, OH 44122. California Producer License #0E86569.

    Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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    Please visit this webpage for more information on Nationwide Insurance.

    1000 Ideas de Negocios, pequeño negocio.

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    pequeño negocio

    Pequeño negocio

    Algunos de estas ideas de microemprendimientos pueden ser bastante rentables y por ello acá te compartimos una interesante lista de al menos 48 ideas de poca inversión pero de alto potencial de crecimiento, sencillas de montar y que te generarán ingresos suficientes para complementar tu presupuesto familiar.

    1. Discoteca móvil para fiestas caseras
    2. Clínica de maquillaje y arreglo personal
    3. Decoración de bodas
    4. Pintura de casas
    5. Limpieza de vidrios para oficinas y edificios
    6. Mantenimiento de computadoras a domicilio
    7. SPA para mascotas
    8. Lavado de automóviles
    9. Bicicletas publicitarias
    10. Ventas de comida típica o regional
    11. Carreta de perros calientes (hotdog)
    12. Servicios funerarios para mascotas
    13. Fabricación y venta de velas aromáticas
    14. Aceitera para servicio menor de automóviles
    15. Polarizado de automóviles
    16. Cerrajería
    17. Empresas de reciclaje de aluminio, plástico o periódico
    18. Secretaria o asistente virtual desde el hogar
    19. Venta e instalación de alarmas para el hogar y el automóvil
    20. Repostería y pastelería por encargo
    21. Diseño de páginas web
    22. Gestor de redes sociales (community manager)
    23. Confección de uniformes para colegios e industriales
    24. Limpieza de piscinas
    25. Limpieza de casas y edificios
    26. Pintura de cuadros regionales
    27. Fabricación de juegos infantiles en madera
    28. Creación de juegos de mesa
    29. Fabricación de peluches
    30. Tutorías escolares
    31. Fabricación de figuras escolares en foamy
    32. Montaje de pequeños espectáculos para centros comerciales
    33. Crear un blog y ganar dinero
    34. Importación y venta de accesorios para celulares
    35. Negocio de Bisutería
    36. Reparación de electrodomésticos
    37. Conversión de videos VHS a DVD
    38. Servicio de cuidado de niños
    39. Clases de baile
    40. Servicios de mandados
    41. Elaboración de dulces caseros
    42. Diseño de blancos y almohadas
    43. Fabricar productos de limpieza caseros
    44. Clínica de manicure y uñas acrílicas
    45. Cursos de cómo hablar en público
    46. Elaboración de cortinas por pedido
    47. Juguería y meriendas
    48. Negocio de tatuajes y piercing

    ¿Cómo comenzar un microemprendimiento?

    12 Técnicas de Ventas Que Usan Los Mejores Vendedores [Reveladas]

    Pequeño negocio

    A continuación listamos 12 de las mejores técnicas que utilizan los vendedores más exitosos del mundo y que sin duda pueden ayudarte a mejorar significativamente los resultados en tu negocio:

    1. Conocen al detalle el perfil de sus clientes

    2. Transmiten un mensaje efectivo

    3. Usan más correo y menos llamadas

    4. Ven a sus clientes como socios

    Dicho lo anterior, el hacer ventas lleva inmediatamente todo a otro nivel.

    5. Son intuitivos

    6. Brindan un servicio al cliente impecable

    7. Tratan con sus clientes en persona

    8. Hacen presentaciones de ventas cautivadoras

    9. Toman la iniciativa al cerrar una venta

    10. Siempre van por más ventas

    11. Planifican su semana de forma eficaz

    12. Construyen la lealtad de su cliente

    Cómo Ganar Dinero Extra Sin Dejar Tu Empleo Actual (14 Ideas Prácticas)

    Pequeño negocio

    Así que si tu eres una de esas personas que simplemente necesitan generar algunos billetes adicionales para esa necesidad puntual, seguramente estas ideas te ayudarán:

    14 Ideas para Ganar un Ingreso Extra

    1. Vende algunos enseres usados. Siempre encontrarás en casa algunos muebles, juguetes o aparatos electrónicos que ya no usas. Puedes hacer una venta de garage o bien promoverlos a través de algún sitio local en Internet.

    Y bueno, hay muchísimas formas más de ganarte un dinero extra pero las seguiré compartiendo en una segunda parte de esta entrada. Mientras tanto, ¿cual de estas ha llamado tu atención?

    Guía Para Iniciar un Negocio de Fabricación de Productos de Limpieza

    Pequeño negocio

    Inversión inicial en el negocio

    • La mayoría de productos son de fácil fabricación y requieren muy poca inversión en materiales de fabricación, lo cual se puede traducir en generosos márgenes de ganancia
    • No necesitas un local comercial aparte de destinar un área en casa con espacio suficiente para almacenar materia prima y poder trabajar en el proceso de elaboración
    • No necesitas contratar personal especializado más allá de un ayudante que te colabore en los procesos de fabricación, empaque, rotulación y distribución

    La principal inversión de hecho consiste en adquirir los insumos básicos, algunos utensilios de trabajo y desde luego es indispensable contar con un manual completo de fórmulas que te guíe cuidadosamente en la fabricación de los productos.

    Comercialización de tus productos de limpieza

    • Mercado residencial: en este caso puedes enfocarte en promover tu catálogo de productos en tu zona o en zonas aledañas, minimizando tus costos de transporte.

    Dresden Kleinanzeigen – kostenlose private Anzeigen aus Sachsen bei Quoka, dvd online mieten.

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    Vom Gebrauchtwagen bis zum Aquarium – Dresden Kleinanzeigen

    Auf der Suche nach einem neuen Geschenk für sich oder Freunde, kann es schon einmal schwierig werden. Wer hat schon Lust, etliche Kilometer durch Deutschland zu touren, selbst wenn er einen günstigen BMW erstanden hat? Mit den Quoka Kleinanzeigen für Dresden gehört dies allerdings der Vergangenheit an. Günstige Preise und nette Kontakte aus der sächsischen Region sind hier garantiert. Finden werden Sie hier bestimmt alles, vom Oldtimer bis zum kleinen oder großen Aquarium in Dresden . Kleinanzeigen auf sind ein Sammelsurium von kleinen und großen Schätzen, attraktiven Bekanntschaften und natürlich einem breiten Dienstleistungsangebot von Massagen bis zum Nachhilfeunterricht.

    Flohmarkt 2.0 – Dresden bietet mehr als nur An- und Verkauf

    Ist das Wetter schlecht und haben Sie keine große Lust auf anstrengende Shopping-Touren? Oder möchten Sie einfach einmal schnell und ohne großen Aufwand nach günstigen Produkten suchen und haben nicht immer nur Lust auf die gleichen Angebote auf dem Flohmarkt in Dresden ? Die Stadt ist in seiner Vielfalt auch im Internet vertreten. Auf den Quoka inserieren regional und lokal Menschen aller Altersgruppen. Auf diesem netten und übersichtlichen Online-Flohmarkt dürfte auch für Sie etwas dabei sein. Durchforschen Sie die Dresdener Kleinanzeigen, landen Sie im Dynamo Dresden Fanshop , kaufen Sie Dynamo Dresden Tickets und shoppen Sie einfach nach Lust und Laune bequem von zu Hause aus.

    Auf Jobsuche? Dresden und sein Arbeitsmarkt warten schon

    Auf den Quoka Kleinanzeigen gibt es auch einen interessanten Stellenmarkt einzusehen. Interessante Nebenjobs warten bereits auf zahlreiche Bewerbungen. Und auch für Unternehmen dürfte der Stellenmarkt durchaus attraktiv sein. Immerhin gibt es es hier zahlreiche Gesuche von fähigen Arbeitskräften aus Dresden. So einfach ist die Jobsuche in Dresden . Kleinanzeigen machen es möglich.

    Einfach einmal entspannt nach günstigen Angeboten von netten Kontakten aus dem Internet suchen. So bleibt die Zeit im Freien für das Wesentliche reserviert. Vergeuden Sie Ihre Zeit in der Kunst- und Kulturstadt nicht mit langweiligen Shopping-Ausflügen, sondern verlegen Sie Ihre Einkäufe auf die Quoka Kleinanzeigen für die Region Dresden.

    Immobili, locali, attività, licenze commerciali – Uffici, negozi, capannoni, bar, ristoranti, esercizi commerciali.

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    Esercizi commerciali

    1334131087.png” /> Pubblica un annuncio | Accedi | Registrati

    Inserisci i parametri per immobili e locali commerciali

    Inserisci i parametri per attività e licenze commerciali

    Abbattitori di fuliggine, Aspiratori di fumi e odori, esercizi commerciali di vicinato.

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    Esercizi commerciali di vicinato

    Il presente sito utilizza i “cookie” per facilitare la navigazione.


    Per un mondo migliore dove vivere, lavorare e divertirsi.

    Nota pescheria e ristorante di Milano sceglie i nostri abbattitori di fuliggine

    Nota pescheria e ristorante di.

    Due forni ed un solo abbattitore di fuliggine

    Due forni ed un solo abbattitore.

    Abbattitore di Fuliggine per applicazioni industriali

    Abbattitore di Fuliggine per.

    Abbattitori di fuliggine anche per piccoli impianti

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    Abbattitori di Fuliggine – Scopri KSE in esecuzione speciale

    Abbattitori di Fuliggine – Scopri.

    Impianto per depurazione fumi e odori per friggitrice industriale

    Impianto per depurazione fumi e.

    Impianto senza canna fumaria per ristorante a Milano

    Impianto senza canna fumaria per.

    Abbattitori di fuliggine – Depurina vi spiega come fare

    Abbattitori di fuliggine -.

    Abbattitori di fuliggine – Da oltre trent’anni la nostra passione

    Abbattitori di fuliggine – Da.

    Scopri tutte le nostre foto

    Scopri tutti i nostri video


    Negli ultimi anni la diffusione di pizzerie e ristoranti ha raggiunto, nelle grandi città, una dimensione notevole. Un risvolto negativo di questa diffusione è costituito dalla enorme quantità di elementi inquinanti (fuliggine ed odori) che questi esercizi emettono nellaria che noi tutti respiriamo.

    Per risolvere completamente e definitivamente questo problema è necessario dotare gli impianti di abbattitori di fuliggine che siano in grado di abbattere le particelle dannose.

    Ventiltecnoful, con sede in Napoli, produce e vende direttamente in fabbrica abbattitori di fuliggine a semplice funzionamento ed a funzionamento automatico.

    Non esitate a contattarci ai recapiti sotto riportati, sarà nostro piacere darvi le informazioni quanto più dettagliate possibile su tutti i nostri prodotti.

    Già tanti clienti sono rimasti soddisfatti dei nostri abbattitori di fuliggine, la nostra professionalità e perizia è stata al loro servizio come lo sarà al tuo!

    Via S. Maria a Cubito, 30 – 80019 Qualiano (NA)

    Requisitos para montar una empresa, creditos para microemprendimientos.

    #Creditos #para #microemprendimientos

    Requisitos para montar una empresa

    Creditos para microemprendimientos

    La idea de negocio para tu emprendimiento necesita de un sustento legal para convertir tu actividad en una organizaciГіn constituГ­da formalmente. Si bien es la parte menos agradable, es importante conocer los requisitos para montar una empresa.

    Los trГЎmites para crear una empresa son importantes, debido a que de otro modo, la idea de negocio no puede materializarse y las oportunidades de mejorar tu ingreso y calidad de vida, se diluyen.

    • Definir si se trata de un emprendimiento inscripto como Persona FГ­sica (persona individual, propietario Гєnico) o como Persona jurГ­dica (grupo de personas reunidas para desarrollar diversas funciones dentro de la organizaciГіn).
    • Solicitar en el Ayuntamiento una licencia municipal de apertura para formalizar el inicio de las actividades de la empresa.
    • Las Personas FГ­sicas deben darse de alta en la obligaciГіn tributaria (se deben pagar impuestos) y en el rГ©gimen especial de trabajadores autГіnomos.
    • ObligaciГіn tributaria de las Personas FГ­sicas: Debes declarar y luego liquidar en base al Impuesto sobre la Renta de las Personas FГ­sicas (IRPF), lo mismo para el Impuesto al Valor AГ±adido (IVA) e ingresar las cotizaciones que corresponden al RГ©gimen de Seguridad Social.
    • Los principales trГЎmites para una Persona JurГ­dica (Sociedad Limitada)
    • Comprobante de depГіsito bancario de capital social
    • CertificaciГіn del nombre (que no pertenezca a otra empresa)
    • Escritura pГєblica y estatutos sociales ante notario
    • LiquidaciГіn Impuesto de Transmisiones Patrimoniales y Actos JurГ­dicos Documentados
    • InscripciГіn en el Registro Mercantil
    • Dar el alta en el censo de obligados tributarios y en el Impuesto de Actividades EconГіmicas
    • La obligaciГіn tributaria de las Personas JurГ­dicas es la misma que las Personas FГ­sicas solo que debe pagar el Impuesto sobre Sociedades (es fraccionado).
    • Si se va a contratar a empleados, ambos tipos de Personas (FГ­sicas o JurГ­dicas) deben realizar lo siguiente: realizar la afiliaciГіn y el alta al RГ©gimen General de Seguridad Social, inscribir la empresa en la Seguridad Social, contar con Libro de visita.

    Finalizados todos los trГЎmites burocrГЎticos, tu empresa podrГЎ desarrollarse en forma total y contar con un importante sustento legal.

    Visura PRA: quanto costa e come ottenerla – Smart Focus, visura camerale partita iva.

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    Visura PRA: quanto costa e come ottenerla

    Richiedere una Visura PRA è sicuramente consigliato per evitare inutili rischi in diverse situazioni. In caso di sinistro, di acquisto di unauto o per risalire ad eventuali fermi amministrativi, ipoteche o vincoli di altro genere. Si tratta di un documento contenente tutte le informazioni giuridiche e patrimoniali di un veicolo iscritto al PRA. Ma quanto costa una visura pra online?

    Visura PRA online per targa

    Le visure PRA sono rilasciate dallo sportello del Pubblico Registro Automobilistico e consentono di conoscere tramite la targa le principali informazioni di autoveicoli, motoveicoli o rimorchi.

    Esistono diverse visure PRA in base alle ricerche da effettuare.

    1. Visura PRA per Nominativo. Richiedendo una visura sulla base dei propri dati anagrafici, un soggetto privato può conoscere i veicoli intestati a proprio nome nellarchivio del PRA.

    la persona fisica o giuridica può richiedere tale visura solo per sé o in qualità di erede;

    i professionisti, come gli avvocati, possono richiedere questa visura per i soggetti per i quali è in corso un procedimento giudiziario o procedure fallimentari.

    1. Visura PRA per Targa. Partendo dal numero di targa, con questa visura è possibile risalire ai dati tecnici di un veicolo e il relativo proprietario.

    Nello specifico, nella visura PRA per targa sono contenuti:

    i dati dell’ultimo proprietario del veicolo (nome, cognome e residenza) in caso di persona fisica;

    la ragione sociale e la sede in caso di persona giuridica;

    la data dell’atto di vendita e la data di presentazione della trascrizione al PRA;

    i dati tecnici del veicolo visurato, come il modello, la marca, la cilindrata, i cavalli, luso previsto, il numero di telaio, ecc…

    Nel caso della richiesta di una visura PRA per targa, le informazioni contenute nel registro automobilistico italiano sono consultabili liberamente, senza alcuna limitazione di privacy. Questo perché si tratta di un pubblico registro e sarà sufficiente fornire semplicemente i dati del veicolo.

    Il documento, nonostante sia rilasciato dal PRA, non ha valore legale perché è privo dei diritti di bollo. Se si necessita di un documento con valore legale, bisognerà richiedere il Certificato cronologico PRA per Targa . Questo consentirà di conoscere la storia completa di un veicolo attraverso un estratto cronologico.

    Quanto costa una visura pra

    L’accesso alla banca dati ACI PRA per l’evasione della visura PRA non è gratuito. Questo comporta infatti il pagamento di diritti e tasse al Pubblico Registro Automobilistico.

    Il costo del servizio Visura PRA per targa è di 5,00 euro con consegna standard in due ore lavorative, mentre quello della Visura PRA per nominativo di 45,00 euro con consegna in 5 giorni lavorativi.

    Come fare una visura pra online

    É possibile ottenere una visura pra direttamente on line. Il registro automobilistico italiano è aggiornato telematicamente a ogni passaggio di proprietà o nuova immatricolazione, per cui i dati estratti saranno aggiornati allultima modifica. In particolare, in ogni visura PRA evasa viene sempre riportata la data della sua estrazione dagli archivi. La data di aggiornamento delle informazioni in essa contenute è quella antecedente il giorno lavorativo della richiesta.

    Richiedere una visura pra online è molto semplice e veloce. Come anticipato, questo tipo di visure possono essere per targa o per nominativo. In caso di una visura pra per targa sarà sufficiente indicare:

    • il tipo di veicolo da visurare (auto, moto, camion o rimorchio)
    • la targa

    In una visura pra per nominativo invece si dovrà specificare se si tratta di persona fisica o ditta/società, dopodiché immettere alcuni dati identificativi. Sarà indispensabile indicare il codice fiscale o la partita iva dellimpresa o della persona fisica, al fine di limitare il numero delle possibile omonimie.

    Ristrutturazioni Roma, Ristrutturazione casa Roma, corso di interior design roma.

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    GM Tecnoedil impresa di fiducia per ristrutturazioni Roma

    Tel. 06 9761 2214 – Cell. 3313 768 409

    Ristrutturazione casa Roma

    GM Tecnoedil impresa edile a Roma

    Impresa Ristrutturazioni Roma – GM Tecnoedil che opera nel settore edilizio dal 2008, specializzata con lavori di ristrutturazione complete case, appartamenti, bagni, uffici, locali commerciali a Roma. Impresa Ristrutturazioni Roma – GM Tecnoedil è riuscita a crescere ed affermarsi sul mercato edile grazie alla puntualità e precisione nell’esecuzione delle opere affidatole. La nostra passione per la ristrutturazione di case nasce dal desiderio di far conoscere un nuovo stile di vita, il rinnovamento interno ed esterno che permetterà di conseguire la garanzia di una casa moderna, lo stile, pieno di fascino e buon gusto! Se intendi ristrutturare casa, che sia un monolocale o una villa, o eseguire dei lavori di demolizione, o tinteggiare la facciata della tua casa, l’Impresa Ristrutturazioni Roma – GM Tecnoedil è ciò che fa al caso tuo! Impresa è composta da professionisti e esperti nel settore che ti forniranno tutte le risposte e i consigli di cui hai bisogno per fare le scelte migliori. L’obiettivo dell’azienda è infatti quello di ristrutturare e progettare appartamenti, recuperando le migliori caratteristiche del passato e integrandole con le novità, i gusti, i valori del futuro, realizzando così appartamenti confortevoli, comodi, accoglienti, curati nei dettagli e piacevoli da vivere. Per una completa ristrutturazione, l’impresa edile sarà a tua completa disposizione, verrà incontro alle tue esigenze fornendoti un team su misura composto da professionisti, imprese e artigiani che eseguiranno insieme a te tutte le attività per progettare e ristrutturare la tua nuova casa. Richiedi subito un preventivo gratuito per Ristrutturazioni Roma: casa, appartamento, bagno, cucina, ufficio, esterni.

    Perchè ristrutturazioni Roma con GM Tecnoedil?

    GM Tecnoedil partner affidabile per servizi di ristrutturazioni Roma è in grado di ristrutturare case, appartamenti, uffici con un elevato standard di efficienza e qualità, che opera nel pieno rispetto delle normative in materia di prevenzione e sicurezza. Grazie alla consapevolezza e massima serietà di lavorare, abbiamo conquistato una parte di mercato edile nella provincia di Roma, nel giro di pochi anni, nonostante la continua crisi del settore. Con esperienza e professionalità, la ditta assicura tempestività e massima serietà nella realizzazione di tutti i lavori, prenota un soppraluogo gratuito oppure chiama il 3313 768 409.

    Quanto costa ristrutturare casa a Roma?

    Facendo appello ai nostri sevizi, si avrà la possibilità di avere i migliori prezzi e costi dei lavori di ristrutturazione casa Roma! Impresa Ristrutturazioni Roma GM Tecnoedil garantisce le migliori prestazioni per ristrutturazione casa a Roma! La finalità della GM Tecnoedil è quella di soddisfare le aspettative di ognuno dei suoi clienti, dalla ristrutturazione casa Roma, alla ristrutturazione di una villa, un ufficio, un negozio, un appartamento, una mansarda o una scala condominiale. Qualunque sia il tipo di ristrutturazione, ci siamo impegnati ad offrirvi i più alti standard di qualità e prestazioni. Quanto costa ristrutturare casa a Roma richiedi offerta gratis e senza impegno.

    Negocios verdes, negocios verdes.

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    Toda la Agricultura en Internet

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    opiniones, consultas, respuestas, compartir ideas .

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    ·Herbáceos extensivos. Cereales Negocios verdes

    ·Producción integrada de cultivos Negocios verdes

    ·Industria de cereales y derivados Negocios verdes

    ·Postcosecha de frutas y hortalizas Negocios verdes

    ·Tecnología de la industria alimentaria Negocios verdes

    ·Protección y sanidad animal Negocios verdes

    ·Bienestar animal Negocios verdes

    ·Helicicultura Negocios verdes

    ·Producción avícola Negocios verdes

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    ·Producción de ganado porcino Negocios verdes

    ·Mi Huerto en casa Negocios verdes

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    Se trata de un lepidуptero de unos 10-15 mm de longitud, considerado una de las plagas mбs peligrosas que .

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    El palo negro, baya acuosa, desecamiento de raquis o anillado de pedicelo es un desorden fisiolуgico que .

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    La incidencia de P. cubensis en los cultivares mexicanos de cucurbitбceas, se considera de gran .

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    Esta enferemedad continъa su avance. En la actualidad ha alcanzado la Penнnsula Ibйrica, suponiendo un grave .

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    Es posible unir dos elementos conflictivos, tales como las acнculas de pino y un gusano-plaga, para la .

    Jura studieren und als Jurist arbeiten – alle Infos hier, selbstständig arbeiten.

    #Selbstständig #arbeiten

    Jura – Inhalte, StudienmГ¶glichkeiten und Perspektiven

    Das Jurastudium gehört zu den gefragtesten Studiengängen in Deutschland. Es eröffnet mit dem Abschluss des 2. Staatsexamens den Zugang zu den angesehenen Berufen Anwalt, Richter oder Notar.

    Was ist ein Jurastudium? – Ein Kurzprofil

    Das Fach Jura, eigentlich Rechtswissenschaften genannt, gehört in Deutschland zu den beliebtesten Studiengängen. Es schließt mit einem Staatsexamen ab, das Dir ermöglicht als Richter, Staatsanwalt oder Rechtsanwalt tätig zu werden. Auch die Abschlüsse Bachelor und Master sind möglich, häufig in Kombination mit Wirtschaft. Damit arbeitest Du dann meist in der Rechtsberatung.

    In diesem Video erklärt die Dekanin der Juristischen Fakultät der Uni Köln das Jurastudium:

    Voraussetzungen des Jurastudiums

    Ein Jurastudium mit Staatsexamen ist ausschließlich an Universitäten möglich. Die Zugangsvoraussetzungen hierfür sind das Abitur oder die fachgebundene Hochschulreife. Im Bundesland Brandenburg kannst Du auch mit der Fachhochschulreife ein Examensstudium der Rechtswissenschaften aufnehmen. Für rechtswissenschaftliche Bachelor- oder Masterstudiengänge an Fachhochschulen kannst Du Dich wie gewohnt mit der Fachhochschulreife einschreiben. Dort ist unter Umständen auch der Zugang für beruflich Qualifizierte ohne Hochschulreife möglich.

    Zulassung zum Jurastudium

    Die Zulassung zum Jurastudium ist an einigen Hochschulen durch einen Numerus clausus (NC) beschränkt. Das bedeutet, dass Du eine bestimmte Abschlussnote im Abitur benötigst, um dort zu studieren. Der NC entsteht jedes Semester neu und richtet sich nach der Menge an Bewerbern: Ist der Andrang hoch, steigt auch der NC des Jurastudiums.

    Anhand dieser Tabelle kannst Du den NC für das Jurastudium einschätzen. Beachte jedoch, dass er sich jedes Semester ändert.

    Aufbau und Inhalte des Jurastudiums

    Das Jurastudium dauert meist 9 Semester, also 4,5 Jahre, und endet mit dem 1. Staatsexamen. Danach folgen Referendariat und 2. Staatsexamen. Die gesamte juristische Ausbildung gliedert sich wie folgt:

    • Grundstudium (4 Semester)
    • Hauptstudium mit Schwerpunktstudium (5 Semester)
    • 1. Staatsexamen
    • Referendariat (2 Jahre)
    • 2. Staatsexamen

    Die jeweiligen Inhalte des Jurastudiums unterscheiden sich je nach Bundesland und zwischen den Prüfungsordnungen der einzelnen Universitäten. Besonders die Möglichkeiten im Schwerpunktstudium weichen voneinander ab.


    Das Grundstudium der Rechtswissenschaften vermittelt die Basiskenntnisse der verschiedenen Rechtsgebiete und dauert meist 4 Semester. Es gliedert sich in diese Inhalte:

    • BГјrgerliches Recht
      • Allgemeiner Teil
      • Schuldrecht
    • Г–ffentliches Recht
      • Staats- und Verfassungsrecht
      • Verwaltungsrecht
    • Strafrecht

    Jedes Semester stehen Klausuren und teilweise auch Hausarbeiten an. Das Grundstudium schlieГџt mit einer schriftlichen ZwischenprГјfung ab.


    Im Hauptstudium vertiefst Du die Fächer aus dem Grundstudium. Hinzu kommen weitere Rechtsgebiete, zum Beispiel:

    Außerdem besuchst Du je nach Universität Seminare für Schlüsselqualifikationen oder Sprachen. Neben den Pflichtfächern des Hauptstudiums spezialisierst Du Dich im Schwerpunktstudium.

    Mögliche Schwerpunktbereiche des Jurastudiums sind:

    • Anwaltsberuf und Notariat
    • EuropГ¤isches Recht
    • Kriminalwissenschaften
    • Medienrecht
    • Medizin- und Pharmarecht
    • Umweltrecht
    • Wirtschaft und Wettbewerb

    1. Staatsexamen

    Der universitäre Teil der juristischen Ausbildung schließt mit dem 1. Staatsexamen ab. Dieses besteht zu 70 % aus der staatlichen Prüfung, welche die Inhalte der 3 großen Rechtsgebiete abfragt: Öffentliches Recht, Privatrecht und Strafrecht. Die restlichen 30 % der Prüfung führen die Universitäten selbst durch. In diesem Teil fragen sie Deinen gewählten Schwerpunktbereich ab. Weil die Universitäten selbst einen Teil der Prüfung übernehmen, kann im engeren Sinne nicht von einem „Staatsexamen“ gesprochen werden. Die offizielle Bezeichnung ist deshalb „Erste juristische Prüfung“.


    Das Rechtsreferendariat ist die praktische Ausbildung für Juristen, die offizielle Bezeichnung lautet „Vorbereitungsdienst“. Das Referendariat dauert 2 Jahre und besteht aus mehreren Stationen.

    Dies sind die Гјblichen Stationen im Referendariat:

    • Landgericht oder Amtsgericht
    • Staatsanwaltschaft oder Strafgericht
    • Verwaltungsgericht oder BehГ¶rde

    Zudem kannst Du im Referendariat eine Station selbst wählen. Diese muss in manchen Bundesländern dem studierten Schwerpunktbereich entsprechen. Die Wahlstation kannst Du außerdem im Ausland absolvieren. Im Referendariat bekommst Du bereits ein Gehalt vom Staat gezahlt, das sich „Unterhaltsbeihilfe“ nennt. Es beträgt circa 800 € brutto monatlich.

    2. Staatsexamen

    Das 2. Staatsexamen wird nach bundeseinheitlichen Regelungen von den einzelnen Bundesländern durchgeführt. Es besteht aus 7 (im Saarland) bis 11 (in Bayern) Klausuren und einer mündlichen Prüfung. Beim 2. Staatsexamen liegt der Schwerpunkt stärker auf der aktuellen Rechtsprechung. Mit dem erfolgreichen Abschluss des 2. Staatsexamens bist Du ein „Volljurist“ und kannst als Anwalt, Richter oder Notar tätig werden.

    Alternativen zum Jurastudium mit Staatsexamen

    Ein Jurastudium kannst Du auch mit einem Bachelor of Laws (LL.B.) oder Master of Laws (LL.M.) abschließen. Diese Abschlüsse eröffnen Dir zwar nicht den Zugang zum Beruf des Richters oder Anwalts, sind aber dennoch in der freien Wirtschaft angesehen. Außerdem kannst Du Jura mit anderen Fächern kombinieren. Zum Beispiel mit Wirtschaft, Medizin oder Medien. Ein weiterer Vorteil des Bachelor / Master of Laws ist, dass Du den Abschluss auch an einer Fachhochschule und im Fernstudium erreichen kannst. Auch ein Duales Studium ist in Jura möglich. Dann kannst Du Rechtswissenschaften studieren und gleichzeitig eine betriebliche Berufsausbildung absolvieren. Ein Duales Studium ist häufig in der Verwaltung von Städten möglich.

    Beliebte rechtswissenschaftliche Studiengänge sind:

    Berufsperspektiven und Gehalt nach dem Jurastudium

    Dein Erfolg als Jurist hängt maßgeblich von Deinen Examensnoten ab. Juristische Berufe im Staatsdienst kannst Du nur mit einem „Prädikatsexamen“ erreichen. Ein Examen gilt als „mit Prädikat“ abgeschlossen, wenn Du mindestens die Note „vollbefriedigend“ erreichst. Dies schafften 2010 lediglich 10 % der Absolventen.

    Absolventen ohne das Prädikat sollten sich nicht nur auf eine Tätigkeit als Volljurist fokussieren, da es in Deutschland bereits sehr viele Anwälte gibt – 1 Anwalt kommt auf 500 Bürger. Auch in der freien Wirtschaft kannst Du als Jurist arbeiten. Zum Beispiel in der Rechtsabteilung, wo Du beratend tätig wirst. Hier findest Du auch mit einem Bachelor- oder Master-Abschluss interessante Stellen.

    In diesen Berufen kannst Du mit einem Staatsexamen tätig werden:

    Rechtsanwälte vertreten Mandanten vor Gericht und klagen dort ihre Rechte ein. Außerdem beraten sie ihre Mandanten über die Erfolgsaussichten ihres Anliegens. Rechtsanwälte spezialisieren sich oft auf ein bestimmtes Rechtsgebiet und sind als Medienanwalt, Strafverteidiger oder Patentanwalt tätig. Du kannst Dich als Anwalt einer Kanzlei anschließen oder Deine eigene Kanzlei gründen.

  • Richter

    Richter genießen in Deutschland ein hohes Ansehen. Sie sind unabhängig von Staat und Verwaltung und urteilen neutral und unparteiisch. Dennoch stehen Richter in einem Dienstverhältnis zum Staat und werden, ähnlich wie Beamte, nach einer Besoldungsordnung bezahlt. Die Auswahlkriterien für das Richteramt sind sehr streng. Du brauchst mindestens ein Prädikatsexamen und in manchen Bundesländern sind zusätzlich Assessment-Center üblich. Nach der Einstellung bist Du zunächst Richter auf Probe. Nach einer gewissen Zeit, spätestens nach 5 Jahren, wirst Du Richter auf Lebenszeit.

  • Staatsanwalt

    Als Jurist im höheren Dienst übernimmst Du leitende Aufgaben in der öffentlichen Verwaltung, zum Beispiel bei Ministerien oder in einem Bauamt.

  • Juristen in der freien Wirtschaft

    Nach dem Jurastudium kannst Du auch in der freien Wirtschaft tätig werden. Große Unternehmen haben häufig eine eigene Rechtsabteilung oder ein Justiziariat. Dort prüfst Du die Erfolgsaussicht von Streitfällen oder stellst sicher, dass Veröffentlichungen und Produkte den Gesetzen entsprechen.

    Bei diesen Arbeitgebern bist Du mit einem Jurastudium gefragt:

    Dein Gehalt als Jurist

    Als Jurist kannst Du mit Deiner eigenen Kanzlei selbstständig werden. Deine Leistungen als Anwalt oder Notar rechnest Du über eine festgelegte Gebührenordnung ab. Du kannst aber auch in einer Kanzlei angestellt sein.

    Dieses Gehalt verdienen angestellte Juristen durchschnittlich in Deutschland:


    #B&b #chiaia #napoli

    B&b chiaia napoli

    Napoliday è un bed & breakfast situato nel centro della Città di Napoli, nel lussuoso quartiere di Chiaia, il più elegante ed esclusivo, vicino al lungomare, alle boutiques delle grandi marche e ai migliori ristoranti, e a breve distanza a piedi dalle attrazioni artistiche e culturali rinomate in tutto il mondo. Il bed and breakfast è facilmente raggiungibile dalla stazione ferroviaria e dallaeroporto.

    Il bed and breakfast è posizionato vicino al porto di Napoli, consente di organizzare le proprie escursioni nelle più belle località di Napoli e della regione campania: Sorrento, Pompei, Capri, Ischia, Positano.

    Le camere sono spaziose e arredate con gusto e stile, creando un atmosfera calda e accogliente che ti aspetti di trovare in un b&b e che renderà piacevole il tuo soggiorno a Napoli.

    Sono dotate di tutti i confort: bagno privato, tv color, aria condizionata, minibar, riscaldamento e connessione WiFi gratis. Per chi desidera una maggiore autonomia,il b&b Napoliday propone i residence: appartamenti bilocali completamente arredati ed attrezzati con angolo cottura, ideale per trascorrere un soggiorno di affari o una piacevole vacanza a Napoli. I servizi di Napoliday,come nei migliori hotel e alberghi, includono connessione WiFi in tutte le camere, nei residence e nelle aree comuni, parcheggio a tariffa convenzionata, prenotazioni ristoranti, teatro, musei, noleggio auto, moto, biciclette e barche, escursioni e gite nelle città e isole.

    prenotazione ristoranti, teatri e musei, noleggio auto, moto biciclette e barche.

    Servizi a pagamento:

    Parcheggio convenzionato “Gran garage”, aperto 24h;

    Organizzazione di visite guidate presso: siti archeologici campani (Pompei, Ercolano, Paestum, Baia, Vesuvio, etc), Napoli sotterranea e San Gregorio Armeno (centro storico, chiese e monumenti, botteghe artigiani del presepio), Capri, Ischia e Costiera Amalfitana (Sorrento, Postano, Amalfi Ravello, etc).

    Prendere la tangenziale ed uscire a Fuorigrotta proseguire per Piazzale Tecchio, Via Giulio Cesare. dopo avere attraversato la Galleria Posillipo, proseguire per Via Caracciolo (lungomare), Piazza Vittoria, Riviera di Chiaia , Via Carducci, fino a Piazza dei Martiri, e infine Via S. M. Cappella Vecchia.

    Navetta Alibus sino a Piazza Municipio. Da qui, autobus C25 e scendere a Piazza dei Martiri.

    Linea 2, direzione Pozzuoli. Fermata Piazza Amedeo. A 500 mt, Piazza dei Martiri e Via S. M. Cappella Vecchia.

    Alianza Evangélica pide firmas para frenar la ‘Ley Mordaza LGTBI’, la ley digital.

    #La #ley #digital

    Alianza Evangélica pide firmas para frenar la ‘Ley Mordaza LGTBI’

    Las presentará junto a un documento a los partidos políticos para que “recuperen el espíritu democrático y la real diversidad, y no acepten acríticamente esta nueva ortodoxia disfrazada de progresismo”.

    La ley digital

    La pasada semana la Alianza Evangélica Española hizo público un Comunicado sobre la proposición de ley “contra la discriminación por orientación sexual, identidad o expresión de género y características sexuales, y de igualdad social de LGTBI” en el que define esta proposición de Ley como “impregnada de prejuicio e intolerancia” e “incapaz de distinguir entre respeto a las personas y derecho a la discrepancia”.

    Dicho Comunicado concluía: “Parte de los dogmas, no de la evidencia científica; impone una determinada ideología, en vez de reconocer la libre concurrencia de propuestas; contradice la igualdad de todos los ciudadanos al conceder a un grupo social privilegios por encima de los demás; coarta la libertad de conciencia y la libertad de expresión; invade competencias propias de la sociedad civil y la familia”. “No nos alarma la proposición de ley sólo porque sea contraria a nuestra cosmovisión cristiana, sino porque amenaza a las libertades democráticas de toda la ciudadanía”.

    Por todo ello también se solicitaba a los legisladores que en el debate de esta proposición de ley que “recuperen el espíritu de la democracia y la real diversidad y no acepten acríticamente el dogma, una nueva ortodoxia, el tutelaje, la desigualdad y la intolerancia, especialmente si estos se disfrazan de progresismo”.

    Para lograr que se frene o modifique sustancialmente la Ley, está recogiendo firmas de apoyo para presentarlas ante los diferentes grupos políticos con el documento elaborado.

    Tienen que estar antes de primeros de septiembre, dado que la Ley se debatirá y pasará a votación en cuanto se inicie el periodo parlamentario, en la segunda quincena de septiembre.

  • También descargándose un documento en formato pdf, y tras incluir las firmas, enviarlas a la oficina de la AEE: calle Santa Otilia 27-29, escalera A local, 08032 Barcelona (o en documento escaneado adjunto a [email protected]).

    La CALR aprobó la petición de la Federación evangélica de estudiar e informar al Gobierno sobre la posible vulneración de la libertad religiosa en el contenido de la propuesta de dicha Ley.

  • Ripple: La moneda digital que cambiará la forma de hacer negocios, como hacer negocios por internet.

    #Como #hacer #negocios #por #internet

    Ripple: La moneda digital que cambiará la forma de hacer negocios.

    Como hacer negocios por internet

    Ripple es una criptomoneda alternativa basada en la tecnología de Bitcoin, es la segunda moneda digital en capitalización de mercado y tiene como objetivos resolver muchos de los problemas que enfrenta Bitcoin, como el tiempo que se necesita para verificar las transacciones. En esta moneda no hay minería, la contribución se basa en potencia de cálculo para el mantenimiento de la red, esta tecnología se inicio en el año 2012, inicialmente se conoció como OpenCoin Inc.

    Ripple tiene altas expectativas, ya que empresas como Google Ventures y Andreessen Horowitz han invertido unos 100 millones de dólares. La tecnología de Ripple se basa en las bondades de Bitcoin, sin embargo, mientras que las transacciones Bitcoin toman por lo menos 10 minutos para completar la transacción, utilizando la tecnología de ondulación de Ripple, las transacciones son instantáneas gracias al uso de un algoritmo de consenso. La red Ripple es un sistema cerrado y lo aprueban los nodos que pueden acceder a ella. Se dice que la Ripple fue creada para resolver los problemas de comercio

    En resumen, el sistema Ripple es sustancialmente diferente, con otros mecanismos de confirmación de las transacciones, lo que permite hacer que estas se ejecuten de forma instantánea, lo que sí es un hecho es que las dos monedas pueden coexistir en el ambiente de intercambio de criptomonedas digitales del comercio moderno.

    Con esta tecnología RIPPLE permite a los bancos rebajar los costos operativos y ofrece nuevos servicios para los pagos transfronterizos, es decir donde se incluyen distintos países, el cliente posee un acceso o clave digital encriptado, es un acceso directo al banco. En cuanto a la velocidad de la transacción, este tiene un procesamiento instantáneo, hay una gran certeza, con una trazabilidad en tiempo real de los fondos, en cuanto a los costos de la operación que es una de las preocupaciones del cliente, este tiene unos costos muy bajos por cada transacción.

    Por ello, no hay que olvidar, lo siguiente; el comercio mundial está cambiando rápidamente. Las empresas son cada vez más globales desde el primer día y los consumidores están programados para esperar la prestación de servicios e información. Sin embargo, la actual infraestructura de pagos es lamentablemente inadecuada para satisfacer estas necesidades.

    Por lo tanto, Ripple trabaja con los bancos para transformar la forma en que envían dinero a todo el mundo, un paso necesario para competir en la creciente economía actual. Por esto existe la visión que es habilitar la Internet del Valor para que el mundo pueda valorizar la forma en que mueve la información hoy en día.

    Por lo tanto, puede surgir la interrogante, ¿Qué es Ripple?. La tecnología financiera distribuida de Ripple permite a los bancos enviar pagos internacionales en tiempo real a través de redes.

    Igualmente hay la posibilidad de decir, ¿Por qué Ripple?

    Usando Ripple, los bancos pueden satisfacer las crecientes demandas de servicios de pago globales más rápidos, de bajo costo y bajo demanda para cualquier tamaño de pago. El resultado: nuevas oportunidades de ingresos, menores costos de procesamiento y mejores experiencias globales de los clientes.

    Desde esta perspectiva, se puede enunciar que hay. Acceso: liquidación bancaria directo al banco, con tecnología financiera distribuida. Velocidad: liquidación instantánea, tecnología financiera distribuida. Certeza: Trazabilidad en tiempo real de los fondos. Costo: Costo total más bajo de liquidación.

    Sin olvidar, usando Ripple, su banco puede adquirir nuevos clientes y aumentar los ingresos a través de productos y servicios diferenciados. Además de eso, Ripple reduce los costos de back-office de su banco a través de un mecanismo eficiente para procesar y liquidar los pagos internacionales. Este modelo le permite estimar las ganancias de eficiencia que su banco puede lograr utilizando Ripple para pagos internacionales.

    Por ello, Los bancos lo están adoptando: Ripple permite a los bancos abrir nuevas oportunidades de ingresos, reducir los costos de procesamiento y ofrecer mejores experiencias globales de los clientes. Integre todo una vez, para tener acceso a todo el potencial de la creciente red de instituciones financieras y proveedores de liquidez de Ripple.

    En estos momentos, Diez nuevos clientes se unen a la red global de pagos de Ripple, por ello, Ripple se enorgullece de anunciar la incorporación de 10 nuevos clientes a la creciente red global. Estas instituciones financieras incluyen a: MUFG, BBVA, SEB, Akbank, Banco del Eje, YES BANK, SBI Remit, Cambridge Global Payments, Star One Credit Union y, representando a algunos de los bancos más grandes del mundo, bancos pequeños innovadores y proveedores de servicios de pago (PSP). Como el único proveedor de blockchain que tiene casos de uso reales y clientes que utilizan la solución comercialmente, cada vez más clientes recurren a Ripple para pagos transfronterizos. Estos diez clientes están ahora entre las instituciones financieras más avanzadas del mundo, que están comprometidas a ir más allá de las posibilidades y están utilizando la solución de blockchain de negocio de Ripple para mover dinero real en todo el mundo hoy en día.

    Se denota la eficiencia con el uso de esta tecnología: 2016 fue un año importante para Ripple. Los bancos se agregaron a la red creciente, se hizo una exitosa ronda de inversión de la Serie B y se formó el Grupo de Dirección de Pagos Globales. El Ripple Consensus Ledger (RCL), que funciona 24 horas al día, 7 días a la semana, y que recientemente celebró su cuarto cumpleaños el 17 de febrero de 2017, subyacía en todos esos hitos. Sólo en 2016, RCL cerró más de 8 millones de libros contables, procesando más de 225 millones de transacciones y manejo de más de $ 1 billón de dólares en volumen de pago durante todo el año.

    Ripple puede manejar más de 1.000 transacciones por segundo.

    Con el año 2017 ya bien avanzado, hay un trabajo duro, se añaden nuevas características al RCL y mejorar aún más el rendimiento, la estabilidad y la calidad de la codificada base de código abierto. Lo que es más importante, existe un compromiso más que nunca con el simple objetivo de hacer de la XRP la moneda digital de reserva del mundo. Es importante seguir el curso de esta nueva forma de inversión. Se espera por nuevos anuncios.

    Descargo de responsabilidad: InfoCoin no está afiliado con ninguna de las empresas mencionadas en este artículo y no es responsable de sus productos y/o servicios. Este comunicado de prensa es sólo para fines informativos, la información no constituye consejo de inversión o una oferta para invertir.

    Pharma großhandel, pharma großhandel.

    #Pharma #großhandel

    Aktuelle Projekte


    Was wir können

    koppcon. Ihr Experte in Sachen Daten- und Kommunikationstechnologie.

    Ob neue Kommunikations-Technologien, ein Ausbau der Infrastruktur oder verbesserte Konditionen und so Einsparungen für Ihr Unternehmen auch im Energiebereich – koppcon berät Sie objektiv und erarbeitet mit Ihnen gemeinsam Ihre Ziele.

    Wir verbinden Menschen mit Technologie

    Mit unseren 4 Geschäftsfeldern bekommen Sie bei koppcon alles aus einer Hand. Egal um welche Form der Daten-Kommunikationstechnologie es sich handelt.

    Ob Festnetz, Mobilfunk, Internet, Datenleitungen oder alles, was erst noch erfunden werden muss – wir erarbeiten mit Ihnen, die für Sie beste Lösung – objektiv und lieferantenneutral. Und da wir mit unseren Kunden wachsen bieten wir neben unserem Daten- und Kommunikationstechnologie Know-How auch die Optimierung im Energiebereich für Mittel- und Großunternehmen an. All unsere Angebote lassen sich einzeln nutzen oder beliebig miteinander kombinieren.

    1. Kostenreduktion

    Die Daten- und Kommunikationstechnologie wächst und verändert sich rasant. Da braucht es einen Experten, der immer Up-To-Date ist und mit Know-How weiterhelfen kann. koppcon entwickelt die für Sie optimale Lösung und hilft so ihre laufenden Kommunikationskosten merklich zu reduzieren ohne dabei auf Qualität zu verzichten.

    2. Technologien und Beratung

    Unsere technische Beratung umfasst alle Bereiche der Kommunikationstechnologie. Wir sind immer am neuesten Stand und bieten unseren Kunden laufend die Planung, Erweiterung oder Optimierung bestehender Lösungen an oder integrieren innovative Technologien in vorhandene Strukturen. Ganz nach Ihren Vorstellungen und mit unserer Expertise. Werfen Sie einen Blick auf koppcontrol, unserem einzigartigen Tool mit dem Sie unsere Leistungen und Ihre Kosten immer auf Abruf parat haben.

    3. Service & Tools

    Wir bieten besten Service – mit unseren Daten- und Kommunikationsexperten bietet koppcon immer das passende Kommunikationskonzept für Ihr Unternehmen und Ihre Bedürfnisse an. Wir begleiten Sie von der Planung bis hin zum Aufbau und auch weit darüber hinaus mit unserem Know-How und unserer ganzen Manpower. Legen Sie Ihre Datenkommunikation in unsere Hände.

    Wir bieten wichtige Tools – koppcon entwickelt und betreibt innovative Tools und Lösungen für unterschiedlichste Anforderungen, sowohl von Kunden als auch vom Markt. Eines unserer speziellen Tools ist koppcontrol, das Ihnen ermöglicht alle Kosten und Abrechnungen zu jeder Zeit und von überall zu überprüfen. Transparenz und ein umfassendes Reporting sind uns wichtig.

    4. Energieoptimierung

    In den letzten 10 Jahren hat koppcon seine Geschäftsfelder erweitert und sich ebenfalls auf den Energieverbrauch und deren Optimierung bei Mittel- und Großunternehmen spezialisiert. Auch in diesem Bereich wollen wir mit unseren Kunden, objektiv und lieferantenneutral, gemeinsam die beste Lösung finden.

    The David Sheldrick Wildlife Trust – Donate Now, afghanistan spenden.

    #Afghanistan #spenden

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    Refunds will be given for any donations made in error.

    Privacy is a very serious matter for THE DAVID SHELDRICK WILDLIFE TRUST . It is true that in order to process your request, we must know basic contact information such as your full name, address, e-mail address, and method of payment. All required information is kept internally and is never shared with third parties.

    Afghanistan spenden

    The David Sheldrick Wildlife Trust P.O. Box 15555 Nairobi Kenya

    Copyright © 1999-2017, The David Sheldrick Wildlife Trust. All Rights Reserved. | Privacy Policy

    PureCloud: Cloud Call Center

    #cloud #contact #center #software



    We built our cloud call center software from the ground up so you get a complete customer engagement solution to serve your needs both today and tomorrow.

    With PureCloud, you get:

    • Simple pricing, month-to-month terms
    • A true cloud architecture that provides continuous improvements
    • A feature-rich solution for complete customer engagement
    • Unparalleled reliability and disaster recovery
    • Amazon Web Services elastic infrastructure with limitless capacity
    • IP telephony services like porting existing and adding new numbers
    • A modern web and mobile user experience
    • Lightning-fast deployment

    Don t let digital disruption hold your cloud call center back

    Take charge of your success and leave the competition behind

    Deploy in days, not weeks. No customizations. No desktop installs. Turn up new features with a simple license and get quick access to advanced routing and sophisticated applications. Delight customers, generate leads, acquire new business and do it all better and faster.

    Everything you need is on a single, all-in-one cloud platform. Offer unparalleled reliability and a consistent experience no matter how your customer contacts you. Keep the improvements going by capturing key customer insights with a single view of the experience.

    Keep in tune with customer expectations and leapfrog your competition with a steady stream of new features designed for the modern customer experience. And, since agents are part of that experience, ensure they have the latest tools for increased productivity and service delivery excellence.

    Procurement – Department of Procurement – Contracts – Mississippi State University

    #welcome, #homepage, #msu, #mississippi #state #university, #department #of #procurement # # #contracts



    The Procurement Contracts Department of Mississippi State University is the purchasing agency of the University. Greater efficiency, both in terms of economy to the Univerisity and service to the departments, is achieved through specialization of purchasing. The purpose of Procurement and Contracts, therefore, is to procure quality supplies and equipment as economically and conveniently as possible.

    In the interest of serving the University, its alumni, and the community, Procurement Contracts, in conducting business and discharging its responsibilities, is guided by three primary objectives:

    1. Purchases are to be made in consideration of the objectives and policies of the University, as well as the particular requirements and objectives of the departments.
    2. Maximum, ultimate value for each dollar of the expenditure must be obtained.
    3. Qualified, competitive bidders must be given equal consideration and opportunity to bid on the University’s requirements.

    Please use the links below to access more detailed information on the following topics.

    Official Policy Statement

    Procurement and Contracts has the sole authority to order supplies, materials, and equipment, and to obligate the University for contractual services with the exception of books purchased by the Library. The University will assume only those obligations evidenced by a previously issued and duly authorized purchase order or a purchase properly made using a duly authorized Procurement Card.

    Contact Information

    Los Angeles, CA Auto Accident Attorney

    #auto #accident #law #in #los #angeles, #ca, #los #angeles, #ca #auto #accident #law

    Auto Accident Attorney in Los Angeles, CA

    Being involved in an auto accident is a frightening experience that can drastically change your life within seconds. A car accident can cause debilitating physical injuries, emotional trauma, and costly property damage. And a serious car accident injury that prevents you from returning to your job (or that limits the number of hours you can work) can be financially devastating. Even an accident that occurs at a low speed, or that doesn t result in much damage to your car, can cause physical injuries.

    Protect Your Rights

    If you ve been involved in a car accident, it s important to take steps to protect your legal rights, before it s too late. If you ve recently been hurt in a motor vehicle accident, The Hundley Law Firm can help you by:

    • Investigating your accident to compile evidence
    • Negotiating on your behalf with the other driver s insurance company or helping you file for uninsured motorist benefits under your own insurance policy
    • Filing and pursuing a lawsuit on your behalf if negotiations don t lead to a successful settlement

    An auto accident lawyer like The Hundley Law Firm can help you find peace of mind after your accident so that you can move forward with your life. Call today to set up a consultation.

    Copyright The Hundley Law Firm. All rights reserved.

    Please consult an attorney for advice about your individual situation. This site and its information is not legal advice, nor is it intended to be. Feel free to get in touch by electronic mail, letters or phone calls. Contacting us does not create an attorney-client relationship. Until an attorney-client relationship is established, please withhold from sending any confidential information to us.

    The Hundley Law Firm

    6601 Center Drive West

    Los Angeles. CA 90045

    Mutuo 100 %, come ottenerlo, mutuo ipotecario.

    #Mutuo #ipotecario

    Mutuo ipotecario

    Il mutuo ordinario copre fino all80% del valore dellimmobile ipotecato, limite massimo stabilito per tutte le operazioni di credito fondiario.

    Tuttavia, alcune banche possono finanziare fino al 100% del valore dellimmobile (vedi anche Mutuo senza anticipo), superando quindi il rapporto tra importo concesso e valore immobile (LTV, loan to value), possibilità per altro prevista solo nel caso di acquisto dell’abitazione principale e non per la seconda casa.

    Attenzione però, in questo caso saranno richieste maggiori garanzie: in primo luogo la stipulazione di una polizza fideiussoria che copre la parte eccedente il limite fissato dalla Banca dItalia, in secondo luogo sono certamente di aiuto un doppio reddito familiare e la tipologia di impiego.

    In mancanza della polizza fideiussoria nessuna banca può superare l80% a meno che non ricorrano delle condizioni particolari che diano accesso ad altre forme di tutela molto forti, come il Fondo di Garanzia Giovani e il Plafond casa.

    Si consideri che la polizza fideiussoria contribuisce ad incrementare il costo del mutuo in modi diversi: solitamente la banca aumenta il tasso (da 0,20% a 0,50% in più rispetto al tasso base), in altri casi richiede il pagamento anticipato dellintero premio (in genere lo 0,20% calcolato sulla parte di mutuo eccedente l80% e moltiplicato per la sua durata).

    Nel primo caso (aumento dello spread) si avrà un costo di gran lunga superiore rispetto al pagamento anticipato del premio, anche nellipotesi in cui il premio unico sia finanziato dalla banca (premio unico + interessi premio; soluzione spesso proposta in “automatico” dalle banche).

    Non mancano delle eccezioni, come nel caso di Cariparma che prevede nella propria gamma denominata Gran Mutuo, sia la versione 100 che quella Casa Semplice. Nella tabella riportiamo le principali condizioni economiche, prendendo l’esempio di un finanziamento da 100 mila euro, con piano di ammortamento a 10 anni:

    In questo esempio vediamo che a parità di condizioni, il mutuo sarà ugualmente oneroso (considerando spread più spese accessorie), anche se ovviamente bisogna poi andare a considerare la maggiore incidenza della componente legata all’assicurazione fidejussoria che non è stata conteggiata nel calcolo del Taeg in questa tabella.

    Tuttavia in generale cercare un mutuo 100 per cento non conviene, a meno che non costituisca la sola via percorribile. Ovviamente il problema di dover richiedere tutta la cifra necessaria per acquistare la propria prima casa affligge soprattutto i giovani, ma per fortuna per questi ultimi, negli ultimi anni ci sono stati vari interventi che hanno portato alla nascita ed affermazione del Plafond casa e del Fondo Garanzia Giovani.

    Infatti, anche se questi fondi sono nati principalmente per agevolare la concessione del finanziamento ad alcuni soggetti specifici, alcune banche lo hanno utilizzato per poter superare il limite del LTV dell’80%, previsto dalla normativa sul credito fondiario, senza dover aumentare i tassi in proporzione alla rischiosità dell’operazione stessa.

    Come sfruttare al meglio i vantaggi dei fondi di garanzia?

    Per massimizzare l’effetto positivo dell’uso di questo Fondo, che non è accessibile direttamente ai mutuatari ma lo diventa in modo molto più naturale tramite la banca scelta per la richiesta del mutuo stesso, si deve fare una grande attenzione proprio all’Istituto di credito al quale ci si rivolge.

    Infatti, da una parte si deve scegliere un mutuo prima casa “conveniente” (quindi con spread basso e spese accessorie contenute), sincerandosi che la banca mutuataria aderisca anche al Fondo di Garanzia Giovani. Poi bisogna anche controllare come avviene tale adesione, poiché alcuni Istituti di credito partecipano solo nell’ottica di “agevolare” la concessione del mutuo, ma senza ulteriori tipi di agevolazioni. Rivolgendosi alle grandi banche si ha la certezza di trovare la giusta consulenza e competenza, ma ciò non offre alcuna garanzia di poter innalzare la percentuale finanziabile, fino al portarla al 100 per cento, poiché le politiche di concessione del credito sono estremamente diversificate.

    Prima di affrontare quelli che si sono confermati tra i migliori prodotti sul mercato per l’attenzione in più rivolta ai potenziali clienti ci sono da considerare i limiti imposti dallo stesso regolamento di istituzione del fondo stesso, ma che sono identici indipendentemente dalla Banca alla quale ci si rivolge, per cui non vanno assolutamente considerati come fattore discriminante nella scelta stessa.

    I migliori mutui 100% “scontati”

    Tra le banche più attive troviamo Unicredit, che dopo aver creato una gamma di finanziamenti per la casa ottima sia per condizioni che per flessibilità, tramite l’inserimento del “tagliando” periodico, denominata Mutuo Valore Italia, ha dedicato particolare attenzione ai Giovani (tutti coloro che non abbiano superato i 40 anni di età), con la possibilità di richiedere un mutuo 100% per importi che complessivamente non eccedano 250 mila euro. Senza costi aggiuntivi, i mutuatari possono scegliere di gestire la rata secondo le necessità del momento (con le funzioni Salta, Taglia e s Sposta la Rata), il tutto con spread medio-bassi e la possibilità di scelta tra tasso fisso e variabile (sia indicizzato all’euribor a tre mesi che al Bce).

    Ma soprattutto va sottolineato il fatto che la stipula della polizza fidejussoria rimane puramente facoltativa, quindi la concessione del finanziamento non è assolutamente subordinata alla sua firma.

    Anche la Bnl avendo aderito alla convenzione denominata Plafond Casa, ha inserito la possibilità di poter accedere a un mutuo 100 per cento, riadattando le principali tipologie, a tasso fisso e tasso variabile già presenti nella propria offerta. Non si tratta quindi di un vero e proprio prodotto creato ad hoc, ma gli effetti sono gli stessi previsti per la presenza della garanzia offerta dal fondo stanziato con la convenzione Abi e CDP del novembre del 2013.

    Ovviamente questa possibilità è accessibile solo a quanti siano in possesso dei requisiti minimi necessari, che prescindono dalla politica di concessione del credito da parte della Bnl stessa. Qui il risparmio, più che sui tassi si ha sulle spese accessorie che sono scontate del 20%.


    La soluzione che ad oggi sembra in assoluto la migliore è quella proposta da Unicredit, considerato che il costo, come Taeg, è nettamente inferiore (a partire da un punto e mezzo percentuale in meno) a quello richiesto da un prodotto storico come il Gran Mutuo Cariparma, grazie all’applicazione di spread molto più bassi rispetto a numerose banche concorrenti, compresa quest’ultima. Per comprendere meglio queste differenze, che non sono tutt’altro trascurabili (anche considerato che il Mutuo Valore Italia è di tipo dinamico, e permette nel corso del tempo di fare i correttivi necessari, grazie alla consulenza che continua negli anni e non solo al momento della stipula), vediamo la tabella riportata di seguito, usando sempre come parametri 100 mila euro di finanziamento:

    Camere da Letto in arte povera, classiche e moderne, arredamento camera da letto prezzi.

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    Camere da letto

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    Acquista online la camera da letto e la cameretta

    Scegli e acquista online sul nostro store la cameretta per i bambini o la camera da letto matrimoniale con il colore e lo stile che preferisci: arreda con gusto ed eleganza affidandoti alle nostre proposte.

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    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas

    Venta al por mayor de zapatillas deportivas