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What is a Reverse Mortgage? Understanding the pros and cons of HECM! * Video

What is a Reverse Mortgage?  Understanding the pros and cons of HECM, NEF2.COM

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What is a Reverse Mortgage? Understanding the pros and cons of HECM

What is a Reverse Mortgage?  Understanding the pros and cons of HECM, REMMONT.COM

What is a Reverse Mortgage? Understanding the pros and cons of HECM

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[FHA] FHA loan | Whole FHA loan process explained | FHA Mortgage Loan. / Video

[FHA] FHA loan | Whole FHA loan process explained | FHA Mortgage Loan, REMMONT.COM

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[FHA] FHA loan | Whole FHA loan process explained | FHA Mortgage Loan, NEF2.COM

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Refinancing a Mortgage with Freedom Mortgage on The Home Pro Show! ( Video

Refinancing a Mortgage with Freedom Mortgage on The Home Pro Show, NEF6.COM

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Refinancing a Mortgage with Freedom Mortgage on The Home Pro Show, REMMONT.COM

Refinancing a Mortgage with Freedom Mortgage on The Home Pro Show

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Lakeland Community College’s College Credit Plus Program (CCP) offers high school students the opportunity to enroll at Lakeland on a part-time or full-time basis, and earn college credit which may also be used to fulfill their high school graduation requirements.

The intent of the CCP program is to offer a broad range of college level classes which provide educational opportunities not typically available in high school. Admission into this program is open to students who have clearly demonstrated the ability to handle college-level coursework.

Criteria for Participation

Interested students and their parents should follow the 5 steps below to determine eligibility to participate in CCP.

  1. Attend a high school CCP information session .
  2. File a CCP application with Lakeland Community College.
  3. Submit High School Transcripts
  4. Register for placement test and place into college level English either through successful completion of Lakeland’s Placement Test or submission of acceptable ACT/SAT scores.

**To participate in math courses through CCP, students must have successfully completed Algebra 2 and place into college-level math.

  • Attend a CCP new student orientation and registration session. Parents are required to attend with their child.

    Mandatory for Home School and Nonpublic Students:

    Home School Students

  • Best Online Invoice – Invoicing Software, Billing Software, best online invoice.

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    VA Loan Requirements 2015

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    VA Loan Requirements 2015

    What are the VA Loan Requirements for 2015? These requirements guide a veteran borrower�s ability to repay the loan as well as the lender�s ability to lend. Whether buying a home or refinancing an existing home you must know the restrictions that will allow you to make better long-term financial decisions.

    The focus here is on VA loans as those and FHA loans are the more popular types of mortgage loans today. Everything in the lending industry is about risk assessment.

    The Basics
    There are 3 key elements to any mortgage transaction.

    • Credit – Your credit score history are the driving factor in today’s market.
    • Debt to Income(DTI) – This ratio determines how much of a payment you can afford under the lending guidelines.
    • Loan to Value(LTV) – This ratio determines how much you borrow against the value of the property.

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    The most common of VA loans is the VA 30-year fixed program and here are the minimum requirements to qualify.

    Please Note: If you need more detailed documentation on VA Loan Requirements, you can review the following:

    • VA Lender Handbook (1.31 Mb)
    • VA Credit Policy Manual (934 Kb)
    • VA Certificate of Eligibility

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    Credit Score – Veterans Affairs (VA) insures VA loans and does not require a minimum FICO score. However, lenders have their own requirements that are in addition to those of the VA.

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    Less than a handful of lenders will accept mid-scores down to 580 but you will need to have other compensating factors such as a larger down payment, a good amount of reserves, low DTI, and the loan will require Direct Underwriting (DU) approval or need to be manually underwritten.

    Generally, lenders have been increasing their minimum FICO score mortgage requirement and some are now requiring a 640 mid-score as the cut off.

    Most lenders have the following credit score guidelines:

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    • 720 for $417,000 to $650,000
    • 740 for over $650,000

    Established Trade Lines – VA loan requirements allow for both traditional and alternative credit trade lines. However, most lenders require that you must have at least two lines of credit that you have maintained for at least two years.

    Alternative lines of credit are defined as continuing obligations, such as cell-phone / home-phone bills, utility bills, rent history, car insurance, which require a periodic payment in order to establish payment history. To be used to establish a minimum payment history, an alternative credit trade line must have existed for at least 12 months.

    VA loan requirements do not consider absence of a credit history as an adverse factor. However, a minimum two year history of the applicant, including residence, income, assets and credit must be developed.

    To find out more about your credit, you can download a free credit report at any of the three credit bureaus and we could help you review it.

    • Experian
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    • TransUnion

    Late Payments, Collections, Bankruptcies, Liens, Judgments, Foreclosures, and Child Support
    Late Payments – VA loan requirements does not allow for more than one debt payments being more than 30 days late if the incidents have occurred within the last 12 months. This includes more than one late payment on a single account. In addition, individual lenders may have restrictions on late payments made in the last 12 months.

    No mortgage late payments made in the last 12 months are allowed on purchase and refinance of VA loan. And only a 1×30 mortgage late payment is allowed on a VA streamline (IRRRL).

    Collections – VA loan requirements specify that most collection accounts outstanding must be paid, no matter what their age as long as they are currently delinquent and/or due and payable.

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    Foreclosures – VA loan requirements state that an applicant may be eligible if there was no loss of security on a foreclosure or a satisfied judgment that was completed more than 12 months prior to the date of the application. However, if there was loss of security due to a foreclosure, the applicant is ineligible for a VA loan within 36 months after foreclosure.

    Child Support – VA loan requirements states that child support that is in arrears must be brought current. If a payment schedule has been established with the Court for the past due amount and a history of satisfactory payments is provided, the applicant will not be required to pay the past due amount in full. Both the payment for the past due child support and the regular court ordered support payment will be included in the applicant�s income to total debt ratio.

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    Term Life Insurance Defined

    Term life insurance is a temporary life insurance solution that provides life insurance at a fixed rate over a specific length of time. Common terms for term life are 5, 10, or 20 years, although other options are possible. The longer the term, the more expensive the policy may become since it covers a longer time span, so the risk of the insured dying during the term will increase.

    Term life insurance only provides a death benefit and has no cash value.

    Life insurance takes into consideration the age at the time of purchasing the policy, so the younger you are when you buy term life, the less expensive it will be.

    Why Is Term Life Insurance Less Expensive?

    Term life insurance is a less expensive life insurance option and a good choice when you are on a budget because it is temporary and only pays a death benefit to beneficiaries of the policy if the insured dies during the limited term of the policy.

    The risk is far less than whole life insurance or universal life policies, and therefore term life insurance is the least expensive option in the life insurance product line. Unlike whole life and universal life products, there are no cash values in the policy, so the premiums are purely for the life insurance death benefit, which also keeps the cost down. Term life is a no frills option that takes care of the basics : providing the money to your dependents in the event of your sudden death.

    Most people view it as an affordable and immediate life insurance option.

    Term Life Insurance May Be More Affordable Than You Think

    According to the 2015 Insurance Barometer Study, 80 percent of consumers misjudge the price for term life insurance. Millennials overestimate the cost by 213%, and Gen X overestimate the cost by 119%.

    What Happens After Term Life Insurance Expires?

    Once the term of the policy expires, you may not be able to purchase a new term life insurance policy at the lower rate you had become accustomed to because the new policy would be based on your age. The older you are the more expensive life insurance becomes.

    If you become sick and your term life insurance expires you might have trouble getting a new term live insurance policy.

    To avoid problems, consider the idea of adding an endorsement to your term life insurance policy that allows you to convert it to a whole life policy at the end of the term, or get a renewable policy. Your life insurance adviser should review these options with you.

    Convertible and Renewable Term Life Insurance

    Renewable and convertible term insurance can help you avoid finding yourself in a position where you are uninsured or uninsurable. For example, if you want a 10-year low-cost term life insurance policy and at the end of the term you would like to convert to a different term life insurance policy such as a cash-value policy without taking another medical exam, you could choose a level term convertible life insurance policy.

    Term Life Insurance and the Contestable Period

    Choosing a renewable or convertible life insurance policy may also protect you from the contestable period in life insurance, which allows payment of the death benefit to potentially be investigated and denied during the contestability period.

    The contestability period usually lasts two years from the date of a new policy. If your intention is to maintain life insurance beyond the initial term, you should ask you agent about this.

    Deciding If a Term Life Insurance Policy Is for You

    Term life insurance does not build cash value or have the tax benefits like universal life insurance or whole life, but it can be a great option for someone who would like life insurance, but can t afford the higher premiums. Here is a check-list to help you decide if a low-cost term life insurance policy is right for you:

    • You re on a budget and cannot afford a very high premium.
    • You are young and in good health.
    • You are looking for a simple, straight-forward, low-cost life insurance plan to protect your beneficiaries.
    • You are middle aged and do not require long-term life insurance, but only want to purchase coverage as a result of a temporary situation, or to serve a specific time span.
    • You want to supplement your existing life insurance with a secondary policy for a limited time.

    Annual Renewable Term Life Insurance vs. Level Premium Term Life Insurance

    You can have two different types of term life insurance:

    1. Annual Renewable Term Life Insurance gives the policyholder term life insurance for a year at a time and renews annually. The premium rises as you age, so buying an annual renewal term policy isn t the choice that most people go with. When thinking about life insurance, you would normally be thinking more than one year at a time. A policy like this would usually be used as part of a greater overall strategy.
    2. Level Premium Life Insurance gives the policy holder the advantage of a fixed cost over a specified length of time. The annual premium you pay is guaranteed not to change during the course of your policy term, whether it is 5 year, 10, 20 or up to 30 years. With a level premium term life insurance policy you are locking in the rate and will not have any surprises, or rate adjustments while the policy is in effect.

    Talking to Your Insurance Agent About a Term Life Insurance Policy

    Whenever you are looking at purchasing an insurance policy make sure and let the agent know exactly what you are trying to accomplish, and where you are at in life. Life insurance is part of financial planning and the better your representative understands your current lifestyle and long-term goals, the better the advice they can give you. If you do not feel really comfortable with your representative, find someone else who you feel at ease with.

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    When a worker is injured in the maritime industry one of the first questions asked is whether the maritime worker should file a claim for workers’ compensation “workers’ comp” or Jones Act benefits. While state workers’ compensation insurance programs and the Jones Act both provide injured workers with important benefits and compensation, the two should not be confused.

    Worker’s compensation programs are state regulated programs and the benefits provided to injured workers are established by the laws of the individual state. The Jones Act is a federal statute that provides certain rights and protections to seamen who are injured in the scope and course of their employment. It is important to understand that injured maritime workers do not have the ability to choose whether they want to pursue a workers’ compensation claim or a Jones Act claim – the law will dictate whether your claim should be filed under a state workers’ compensation system, the Jones Act or other federal and state laws that provide compensation and benefits to injured maritime workers. These laws can be hard to navigate and it is always best to consult with a lawyer who has extensive experience handling maritime and Jones Act accident claims.

    Benefits Under A State Workers’ Compensation System

    In the vast majority of cases individuals working in the maritime industry will not be eligible to collect state workers’ compensation benefits when they are injured on the job. Rather, injured seamen and maritime workers will typically need to file their claims under the Jones Act, or various other acts that protect maritime employees such as the Longshore Harbor Workers Compensation Act (LHWCA). If, however, your lawyer determines that your accident or injuries are covered by a state worker’s compensation program, you will generally be eligible to collect certain benefits such as:

    • Compensation for medical bills
    • Replacement income (weekly compensation payments)
    • Compensation for permanent injuries
    • Vocational rehabilitation/job retraining
    • Survivor benefits when a worker is killed

    Benefits Under The Jones Act

    If you are a maritime workers who is classified as “seamen” pursuant to the Jones Act you will be afforded certain legal rights and protections under the Act. These rights and protections include:

    • Maintenance Cure Payments When a Jones Act seaman is injured on a ship or vessel, the maritime employer is required to pay the seaman maintenance and cure benefits. Maintenance benefits cover your cost of living on the land while cure benefits are meant to compensate you for the reasonable medical care you need to treat and recover from your injuries.
    • Unearned Wages Jones Act seamen have the legal right to collect unearned wages from their employers when they are injured. Employers must pay these wages from the time of the accident up until the completion of the voyage.
    • Right to File a Jones Act Negligence Lawsuit When a seaman’s injuries are caused by employer negligence or the negligent actions of a co-worker, the seaman has the right to file a negligence lawsuit against his or her employer. In a Jones Act negligence lawsuit the maritime employee is generally able to seek damages similar to those in a traditional personal injury lawsuit, which may include past and future medical care, lost wages, loss of earning capacity, pain and suffering, mental anguish, disability and disfigurement and the loss of enjoyment of life.

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    If you have been injured at work on a vessel and have questions about the Jones Act benefits or workers compensation and which you may be eligible to collect from your employer, the Willis Law Firm can help. We have decades of experience advising and representing injured maritime workers across the nation. When you schedule a free consultation with our firm a maritime injury attorney will carefully examine your case and explain all of the benefits you may legally entitled to.

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    Compare Commercial Vehicle Insurance for Better Rates, Trusted Choice, vehicle insurance comparison.

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    Trasporti: Euregio, il 2 dicembre si viaggia gratis – Trentino AA, viaggia gratis.

    #Viaggia #gratis

    Ansa Trentino AA/S

    • Trentino AA/S
    • Trasporti: Euregio, il 2 dicembre si viaggia gratis

    Archiviato in

    (ANSA) – BOLZANO, 29 NOV – Sabato 2 dicembre appuntamento con la prima giornata Euregio della mobilità, nell’ambito della quale tutti i possessori di un abbonamento del trasporto pubblico locale in Alto Adige, Tirolo e Trentino potranno viaggiare gratuitamente sui mezzi di trasporto pubblico (ad eccezione dei treni a lunga percorrenza) ed esplorare il territorio dell’Euregio in maniera comoda, sicura e senza i disagi del traffico. In Alto Adige questo vale per i possessori di AltoAdige Pass, Euregio FamilyPass, AltoAdige Passfamily, AltoAdige PassAbo+, AltoAdige Pass65+ e AltoAdige Passfree. Sul territorio provinciale con tutte le “varianti” dell’AltoAdige Pass, nella giornata di sabato 2 dicembre l’obliterazione dovrà essere regolarmente effettuata, ma la stessa verrà registrata a tariffa zero. In Tirolo e in Trentino, invece, sempre in occasione della giornata Euregio della mobilità, l’AltoAdige Pass sarà valido come “tessera a vista”, ovvero non dovrà essere obliterato.

    La possibilità di viaggiare gratuitamente sarà attiva in Provincia di Bolzano su tutti i mezzi pubblici del Trasporto integrato Alto Adige, ovvero treni regionali in servizio lungo la linea del Brennero, della Val Venosta e della Val Pusteria, nonchè sui bus di linea urbani ed extraurbani. Per quanto riguarda il Tirolo, si potranno utilizzare bus e treni di Verkehrsverbund Tirol (VVT) e Innsbrucker Verkehrsbetriebe (IVB), mentre in Trentino saranno coinvolti i seguenti servizi: linea ferroviaria del Brennero fra Borghetto e Mezzocorona, linee ferroviarie Trento-Malè e Valsugana (fra Trento e Primolano), bus extraurbani di Trentino Trasporti, bus urbani di Trento, Rovereto, Riva del Garda, Arco, Nago Torbole, Pergine e Lavis, funivia Trento-Sardagna.

    Sabato 2 dicembre potranno viaggiare gratuitamente solo i passeggeri, mentre tutti i servizi aggiuntivi come trasporto biciclette, animali e Nightliner dovranno essere regolarmente pagati.(ANSA).

    Fachanwalt Sozialrecht Fachanwälte, sozialrecht.


    Fachanwalt Sozialrecht Fachanwälte |

    Ein Fachanwalt für Sozialrecht kann hierbei seine in einem Fachanwaltslehrgang speziell erworbenen Kenntnisse bei der Vertretung seines Mandanten nutzen. Als Fachanwalt im Sozialrecht hat er dabei Fachkenntnisse in Bereichen wie z. B. Arbeitsförderungs- und Sozialversicherungsrecht und dem Recht der Eingliederung Behinderter. Dabei ist zu berücksichtigen, dass er sich nur Fachanwalt für Sozialrecht nennen darf, wenn er von seiner zuständigen Rechtsanwaltskammer die Erlaubnis dazu erhalten hat.

    Info Sozialrecht

    Der Begriff Sozialrecht wurde nie ausdrücklich definiert. Unter Sozialrecht wird jedoch die hoheitliche Vorsorge verstanden, mit der der einzelne Bürger etwa im Falle einer Notlage – z. B. Arbeitslosigkeit oder Arbeitsunfähigkeit nach einem Arbeitsunfall – sozial abgesichert bzw. die existenziellen Lebensbedingungen von Personen gesichert werden können, etwa durch Zahlung von Hartz IV. Das Sozialrecht gehört zum Verwaltungsrecht und unterfällt grob in die Bereiche Sozialversicherung, Sozialversorgung, Sozialhilfe und soziale Fürsorge. Die meisten Vorschriften im Sozialrecht finden sich im Sozialgesetzbuch (SGB, Bücher I-XII) und diversen Sondergesetzen wie etwa dem SGG – Sozialgerichtsgesetz – oder dem BAföG – Bundesausbildungsförderungsgesetz.

    Es besteht im Rahmen der Sozialversicherung eine Versicherungspflicht, um dafür zu sorgen, dass Personen unabhängig von z. B. Alter, Behinderung bzw. Schwerbehinderung oder Krankheit abgesichert werden. Die Sozialversicherung unterteilt sich wiederum in

    • die Arbeitslosenversicherung,
    • die Krankenversicherung,
    • die Pflegeversicherung,
    • die Rentenversicherung und
    • die Unfallversicherung.

    In der Regel zahlen sowohl der Arbeitgeber als auch der Beschäftigte jeweils 50 % der Beiträge, die sich nach den Bruttolöhnen berechnen. Tritt der Versicherungsfall ein, werden die Leistungen – z. B. Arbeitslosengeld oder Krankengeld – vor allem aus den insgesamt eingezahlten Beträgen der Mitglieder gewährt.

    Im Sozialrecht können Personen einen Ausgleich aus der Sozialversorgung für besondere Belastungen stellen, denen sie ausgesetzt sind bzw. waren. So können z. B. Kriegsheimkehrer gemäß dem BVG – Bundesversorgungsgesetz – eine Entschädigung verlangen.

    Mit der Sozialhilfe soll im Sozialrecht eine Art Grundsicherung gewährleistet werden, die den bedürftigen Personen einen Mindestlebensstandard ermöglicht, der der Würde des Menschen entspricht, vgl. § 1 SGB XII. Sozialhilfe erhält somit, wer auf dem Arbeitsmarkt wegen z. B. Alter oder Krankheit nicht mehr vermittelbar, mithin bedürftig ist.

    Zum Sozialrecht gehören ferner die Jugendhilfe, die Künstlersozialversicherung sowie unter anderem die Regelungen zum Mutterschutz, zum Elterngeld in der Elternzeit oder zum Wohngeld.

    Die Sozialgerichtsbarkeit wird nach § 2 SGG ausgeübt von

    • den Sozialgerichten – hier wird in erster Instanz die Klage eingereicht –,
    • den Landessozialgerichten – sie entscheiden in zweiter Instanz über Berufung und Beschwerde – und
    • dem Bundessozialgericht, das über die Revision entscheidet.

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    Turismo rural en Asturias, apartamentos en asturias.

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    Apartamentos en asturias


    Apartamentos en asturias


    Apartamentos en asturias

    Apartamentos en asturias

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    Apartamentos en asturias

    Translate / Traduire / Übersetzen.

    Apartamentos en asturias

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    Convenio de seguros en condiciones especiales para los asociados de FASTUR

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    Bienes Raнces en Departamentos y Ciudades de El Salvador, bienes raices en ecuador.

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    Casas en Alquiler en El Salvador

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    Linda casa amplia de una planta en Porticos de Via del Mar

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    Immobilien in tirol, immobilien in tirol.

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    Gerne kann das Sacherl zu renovieren sein, da wir uns bei diesem Projekt verwirklichen wollen und handwerklich sehr geschickt sind.

    Unser Traum wдre ein solches Sacherl in Alleinlage, weit weg von StraЯenlдrm.

    Auch ein angrenzender Grund fьr Anbau von Gemьse, Obst sowie zur Haltung von Kleintieren sollte dabei sein.

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    [BIETE] Bungalow (Neubau) in Weitensfeld Immobilien in tirol

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    Isla Mauricio archivos – Viajes de Novios y Lunas de Miel 2018, viaje novios.

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    Viajes de Novios con Destino Isla Mauricio

    Viaje de Novios a Mauricio , isla paradisíaca para vuestra luna de miel situada en la costa sudeste de África, podréis disfrutar de una amplia gama de actividades que convertirán el viaje en una experiencia inolvidable para ambos.

    2 opiniones sobre este viaje.

    Viaje de Novios Safari Kenia y Mauricio

    Viaje de novios a Kenia y Mauricio perfecto para los apasionados de la vida salvaje y los amantes del relax.Combinación de safari fotográfico y playas para vuestra luna de miel.Descubre Kenia al completo y embarcaros con Viajan2 en esta gran aventura para sentir la naturaleza y la vida más salvaje en vuestra propia piel con este magnífico circuito que os presentamos para vuestra luna de miel.

    Viaje de Novios Safari Tanzania y Mauricio

    Un viaje de novios con un safari por la sabana africana y unos días de descanso en una playa paradisíaca es la mejor propuesta para empezar vuestra nueva vida de casados que os proponemos con este viaje de luna de miel inolvidable y mágico.

    Viaje de Novios Sudáfrica y Mauricio

    Conoce en tu Viaje Novios lo mas auténtico de Sudáfrica y las Cataratas Victoria en la frontera de Zambia y Zimbabue que constituyen un salto de agua del río Zambeze una de las mas espectaculares y famosas del mundo.Terminareis descansado en las playas paradisíacas de Mauricio donde podréis disfrutar de las aguas cristalinas y su fauna marina rodeados de un auténtico lujo africano.

    1 opiniones sobre este viaje.

    Guía Viaje de Novios a Isla Mauricio

    Isla Mauricio es una paradisíaca isla para vuestro Viaje de Novios de la que te quedarás enamorado. Conocida como la “joya del Índico” debe su apodo, más que merecido, a sus inmensas playas de arenas blancas, aguas de color turquesa y a su abundante vegetación.

    Situada a más de 2.000 kilómetros de las costas continentales de África, es un paraíso tropical, de origen volcánico, del que no querrás marcharte en tu Viaje de Novios a Mauricio.

    Cuando se recorre la isla se puede ver la influencia que han ido dejando a su paso desde los marineros árabes que llegaron a Dina Robin, como la llamaron en el siglo XV, pasando por los portugueses, hasta los holandeses, que la colonizaron en el siglo XVII y le dieron su actual nombre.

    Por su situación geográfica, ha sido un motivo de disputa entre el gobierno francés y británico que lucharon por su posesión hasta que Mauricio consiguió la independencia de Reino Unido en 1968.

    Para poder decir que se conoce Isla Mauricio hay que acercarse a su capital, Port Louis, donde se puede pasear por el Mercado Central para conocer las verduras y frutas típicas de la isla.

    Playa en Isla Mauricio

    Alimentos que forman parte de la gastronomía local, en la que se combinan los tradicionales sabores de la comida criolla con las últimas tendencias, dando lugar a unos platos espectaculares.

    Otro punto de interés de la isla es el jardín de Pamplemousses, en el que te sorprenderá la variedad de flores, entre ellas las orquídeas o los nenúfares gigantes.

    Para seguir disfrutando de la exuberante naturaleza, nada mejor que hacer senderismo por alguno de los parques naturales de la isla o subir a la cima de algunas de sus montañas desde donde disfrutar de las vistas o de las cascadas.

    Garganta del Río Negro en Isla Mauricio

    Para los que prefieran el mar, también están de suerte, ya que excepto por la zona sur, la isla está rodeada de coral y es un excelente lugar para el submarinismo u otras actividades acuáticas. ¡Una maravilla!

    Y no se puede pasar por alto el carácter de los mauricianos, famosos por su “sonrisa” y su amabilidad y que hacen que los días en la isla sean más especiales todavía.

    Después de conocer Isla Mauricio nada vuelve a ser lo mismo y es que, cuando te vas a ir, ya estás pensando en volver. Sus aguas turquesas, las infinitas playas de arena blanca, el calor de su gente y las diferentes posibilidades que ofrece la isla, enganchan.

    Jardín botánico de Pamplemousses en Isla Mauricio

    Razones para viajar a Mauricio en vuestro Viaje de Novios

    • Descubre la joya del océano Índico.
    • Comprueba la mezcla de alma francesa, organización británica, corazón indio y clima tropical.
    • Encuentra el paraíso en sus hermosas playas coralinas y encantadoras lagunas.
    • Explora sus volcanes y bosques poblados por exóticas aves.
    • Disfruta del más exquisito servicio y amabilidad en sus hoteles y restaurantes.

    Información de Interés sobre Mauricio para vuestro viaje de novios

    Datos útiles sobre Mauricio para vuestro viaje de novios

    El clima es tropical y cuando en Europa es verano, en Isla Mauricio es invierno (junio a septiembre). Pero hay que tener en cuenta que el invierno de Mauricio es muy suave y la temperatura diurna no suele bajar de 22ºC.

    En verano, la temperatura alcanza los 34º de media en la costa.

    Obligatoria Ninguna salvo que se venga de otro país del continente africano con riesgos.

    Pasaporte en regla con validez mínima 6 meses.

    No se requiere ningún visado para los españoles para entrar en el país, siempre que se vaya de turismo o que la estancia no supere los 3 meses.

    Rupia de Mauricio.

    Es necesario consultar siempre en los Centros de Vacunación Internacional (

    Precios de visados pueden variar, se recomienda siempre consultar con el Ministerio de Asuntos exteriores (

    Toda la información referente a Visados es valida solo para ciudadanos españoles residentes en España, otras nacionalidades consultar.

    Mapa de Mauricio para vuestro viaje de novios

    Video Oficial de Turismo de Mauricio para vuestro viaje de novios


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    de Lunes a Viernes de 10:00 a 19:30 y Sábados de 10:30 a 13:30

    Offerte Vacanze 2018, Pacchetti All Inclusive e Viaggi Last Minute – Idee di viaggio, offerte viaggi a settembre.

    #Offerte #viaggi #a #settembre

    Offerte Vacanze 2018: tutto su pacchetti viaggio last minute e villaggi all inclusive

    Le migliori offerte per andare in vacanza questa estate

    Questo è il momento di iniziare a pensare alle vacanze 2018. Ve lo ripetiamo ogni anno! Per non lasciarvi impreparati nella preparazione del vostro viaggio dell’estate, abbiamo realizzato una utile guida con le migliori offerte, i pacchetti viaggio per partire questa estate.

    Dove andare? Se sognate spiagge e mare da sogno, potrete scegliere una delle destinazioni economiche per andare in vacanza questa estate, Albania, Bulgaria e Montenegro sono le mete più low cost. Se invece volete partire e scoprire nuove città vi consigliamo di dare un’occhiata alle mete migliori per 2018 secondo da Lonely Planet, mentre qui potete trovate qualche spunto su dove viaggiare senza spendere una fortuna.

    Offerte vacanze 2018

    Se volete organizzare la vostra vacanza dell’estate, il consiglio è di prenotare in anticipo i voli, gli alloggi o pacchetti di viaggio, per poter risparmiare (anche molto) sul prezzo finale. Ci sono molte mete tra cui scegliere, alcune costano meno, altre è meglio evitarle ad agosto; se state cercando qualche destinazione per andare al mare in Italia, a questo link trovate le mete di mare più economiche in Italia: tra le più convenienti segnaliamo Calabria, Abruzzo e Basilicata. Poi ci sono le spiagge più belle del Portogallo, da percorrere on the road, le spiagge della Spagna, quelle della costa della Croazia, quelle dell’Albania, Bulgaria e del Montenegro. Qui trovate le migliori destinazioni per andare in vacanza ad agosto e a settembre.

    Se viaggiate in alta stagione, non sarà semplicissimo trovare offerte economiche, l’ideale sarebbe prenotare vacanze nei mesi di giugno, luglio ed settembre. Nei mesi di luglio e agosto alcune isole della Grecia sono ancora abbastanza economiche, così come l’arcipelago di Malta. A settembre invece vi consigliamo di volare verso isole spagnole, eccezionalmente low cost, troverete ottime offerte per le Canarie e le Baleari.

    Di seguito abbiamo selezionato le migliori offerte per le vacanze, con i voli, i pacchetti all inclusive e i viaggi last minute per i mesi di luglio, agosto e settembre.

    Assicurazioni on line, assicurazione web.

    #Assicurazione #web


    Con le assicurazioni on line la vendita del prodotto al cliente avviene senza che sia necessaria l’intermediazione degli agenti. Due esempi tipici di assicurazioni online sono quelle offrono i loro prodotti assicurativi su internet o al telefono. Il principale vantaggio di stipulare un’assicurazione diretta, sia che lo si faccia online, sia che la si acquisti al telefono, è che si possono trovare prezzi molto più bassi rispetto a quelli offerti dai canali tradizionali, con differenze percentuali anche a due cifre. Questo avviene perché le assicurazioni on line non devono sostenere, per esempio, molti dei costi fissi che devono accollarsi, invece, le compagnie tradizionali, che invece hanno strutture fisse dislocate in diverse zone del Paese. Per questo motivo, le assicurazioni online e telefoniche possono permettersi di offrire premi più bassi. E se assicurarsi online conviene la nostra esortazione è: assicurati on line.

    Le polizze on line sono quasi sempre contratti che non prevedono il tacito rinnovo. Al termine della polizza, dunque, non sarà necessario formalizzare la disdetta per passare a un’altra compagnia. Questo significa che nel momento in cui si dovesse trovare un’impresa di assicurazione che offre un prodotto che ci interessa a un prezzo più vantaggioso di quello che sottoscritto attualmente, non si correrà il rischio di essere costretti a rinnovare il vecchio contratto nel caso in cui non si sarà inviata la disdetta entro i limiti di tempo previsti.

    Stipulando un’assicurazione on line si può risparmiare molto tempo: con pochi click, o semplicemente con una telefonata, è possibile arrivare a definire il contratto che fa al caso proprio. Per confrontare i contratti proposti da diverse compagnie è sufficiente farsi fare più preventivi – che devono essere preparati gratuitamente – senza essere costretti a girare per mille uffici. E non bisognerà uscire di casa neppure per la stipula definitiva del contratto. Tutto questo, naturalmente, può essere fatto senza alcun vincolo di orario. Il che significa che anche chi è particolarmente impegnato con il lavoro, chi magari è costretto dalla propria professione a non potersi occupare di altro nell’arco della giornata o nei giorni lavorativi, attraverso la rete Internet potrà farlo in qualunque momento, sera e fine settimana compresi. Quindi assicurati on line.

    Le assicurazioni sono state le prime tra i servizi finanziari a vendere direttamente online, seguite successivamente da tutti gli altri.

    In questo portale puoi trovare le migliori assicurazioni auto online in Italia. Se devi assicurare l’autovettura, la moto o un altro veicolo oppure vuoi stipulare un altro tipo di assicurazione naviga all’interno di assicurazioni on line o utilizza la funzione cerca per risparmiare sull’assicurazione auto e le altre polizze, come le assicurazioni viaggi o le assicurazioni con franchigia on line. Per un preventivo on line assicurazione vai alla pagina di contatto o visualizza le offerte dei nostri partner. Assicurarsi online seguendo i nostri consigli è conveniente. I nostri consigli e indicazioni sono utili per la stipula di una di una nuova copertura assicurativa (per esempio per un veicolo non assicurato), per il rinnovo assicurazioni, per la sospensione della polizza, per la rescissione del contratto assicurativo, per l’eventuale diritto di rivalsa, per l’assistenza e la gestione dei sinistri. Ricordiamo a tutti i possessori di veicoli a motore che per la circolazione senza assicurazione sono previste sanzioni e che è anche obbligatorio esporre il certificato di assicurazione.

    Home – Hausbau, Wohnbau, Objektbau, Holzindustrie – KOHLBACHER GmbH, hausbau finanzierung.

    #Hausbau #finanzierung

    Herzlich Willkommen bei

    Hausbau finanzierung

    Sie sind auf der Suche nach einem neuen Zuhause – einem schlüsselfertigen Doppelhaus, einem Reihenhaus oder einer Wohnung? Dann sind Sie hier richtig!

    Wir realisieren schlüsselfertige Projekte in der Steiermark, im südlichen Niederösterreich, dem Burgenland und Kärnten.

    Bereits über 4.000 Wohneinheiten wurden von uns errichtet. Als steirisches Familienunternehmen bauen wir mit der jahrelangen Erfahrung unserer 400 eigenen Mitarbeiter. Auf Subunternehmen wird verzichtet und so können wir Fixpreis und Fixtermin garantieren!

    Speziell für Anleger bieten wir interessante Projekte in attraktiven Lagen an.

    Neben dem Haus- und Wohnungsbau realisieren wir auch Objektbauten. Ob Büro- und Firmengebäude, Produktionshalle, Arztpraxis, Kindergarten,… unsere Erfahrung garantiert Ihnen einen reibungslosen Ablauf, denn „Bauen ist Vertrauenssache“.

    • Hausbau finanzierung

  • Hausbau finanzierung

  • Hausbau finanzierung

  • Hausbau finanzierung

  • Hausbau finanzierung

  • Hausbau finanzierung

  • Hausbau finanzierung

  • Hausbau finanzierung

  • Hausbau finanzierung

  • Viajes al Perú Baratos – Viaje a Peru Barato, viaje peru.

    #Viaje #peru

    Viajes al Perú Baratos – Viaje a Peru Barato

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    Viajes al Perú Baratos – Viaje a Peru Barato

    Tours de 1 a 30 días en Perú incluye hotel, transportes, ingresos y más

    Tours en diferentes destinos del Perú

    Tours en Sudamérica: Perú, Bolivia, Chile

    Tours Clasicos en Cusco – Perú

    Camino Inca – Trekking a Machupicchu

    Tours de Aventura en Cusco y alrededores

    Tours Inti Raymi – 2016


    Premiación Machu Picchu Travel canal N

    Testimonio en video de nuestros pasajeros

    Lea testimonios de nuestros pasajeros

    Excelente servicio y atención. Los recomendaremos.

    Vive una experiencia única igual al pasajero Hector Alvarez, conoce Machu Picchu con los mejor en este rubro, ofrecemos paquetes turísticos de entre 1 a 20 días por todo el país. Para mayor información sobre el tour de 6 días y 5 noches clic aquí o contáctate con nosotros a través de Facebook, Twitter, Google + o a través de nuestro chat las 24 horas del día, los 365 días del año, WhatsApp: +51984630919.

    Todo muy bonito.

    Conocer Machu Picchu fue la finalidad de este viaje, gracias a Machu Picchu Travel todo el servicio fue excelente. Para mayor información sobre el tour de 5 días y 4 noches clic aquí o contáctate con nosotros a través de Facebook, Twitter, Google + o a través de nuestro chat las 24 horas del día, los 365 días del año, WhatsApp: +51984630919.

    Todo mi viaje fue excelente.

    Al igual que Alejandra ven y conoce Perú de la única forma que sabe Machu Picchu Travel, agencia cusqueña que conoce las necesidades de cada turista. Para mayor información sobre el tour de 5 días y 4 noches clic aquí o contáctate con nosotros a través de Facebook, Twitter, Google + o a través de nuestro chat las 24 horas del día, los 365 días del año, WhatsApp: +51984630919.

    Continue working with the excellence that you know how to do.

    That your trip is not a martyrdom, come and fulfill the dream of your life with Machu Picchu Travel, with more than 10 years serving the needs of each tourist, and enjoy this adventure to the fullest. For more information about the 5 day and 4 night tour click here or contact us through Facebook, Twitter, Google + or through our chat 24 hours a day, 365 days a year, WhatsApp: +51984630919.

    Continúen trabajando con la excelencia que lo saben hacer.

    Que tu viaje no sea un martirio, ven y cumple el sueño de tu vida con Machu Picchu Travel, con más de 10 años al servicio conoce las necesidades de cada turista, y disfruta al máximo esta aventura. Para mayor información sobre el tour de 5 días y 4 noches clic aquí o contáctate con nosotros a través de Facebook, Twitter, Google + o a través de nuestro chat las 24 horas del día, los 365 días del año, WhatsApp: +51984630919.

    Gracias a la eficacia y atención de vuestro equipo se desarrolló maravillosamente este viaje.

    ¿Qué esperas para viajar? Disfruta de una atención impecable en el viaje de tus sueños y no permitas que algún contratiempo malogre este hermoso viaje. Para mayor información sobre el tour de 3 días y 2 noches clic aquí o contáctate con nosotros a través de Facebook, Twitter, Google + o a través de nuestro chat las 24 horas del día, los 365 días del año, WhatsApp: +51984630919.

    Pay Pal

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    • Puede hacer pago con tarjeta de crédito y débito.
    • Registre en PayPal Sus datos financieros una sola vez. No necesitará proporcionarlos en compras posteriores.
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    • PayPal protege Su información. NO compartimos sus datos financieros.

    VENETA CUCINE a PREZZI SCONTATI -50%, offerte cucine moderne.

    #Offerte #cucine #moderne

    Veneta Cucine: Prezzi Outlet, Offerte e Sconti

    Benvenuti nella pagina delle occasioni e delle offerte di Veneta Cucine.

    Visita l’outlet dei rivenditori di cucine Veneta Cucine, potrai trovare le migliori offerte di cucine a prezzi scontati. Le occasioni in offerta proposte a prezzo outlet per rinnovo esposizione.

    Prezzi Veneta Cucine

    Un outlet con tanti modelli cucine Veneta Cucine in vendita a prezzi scontati rispetto a quelli di listino. Grandi vantaggi senza rinunciare alla qualitа, grazie alle offerte esclusive dei negozi Veneta Cucine per arredare la cucina.

    Ecco come avere Veneta Cucine a prezzo di outlet!

    Veneta Cucine: cucine in offerta

    Ecco le migliori offerte Veneta Cucine a prezzi scontati per rinnovo esposizione, prodotti unici e di qualitа. Se vuoi arredare la cucina con Veneta Cucine a prezzi imbattibili sei nel posto giusto.





































    Scegliere come arredare la propria cucina significa scegliere che forma dare al cuore pulsante della propria casa. Veneta Cucine и la soluzione ideale per chi vuole coniugare praticitа e design.

    California s Low Cost Auto Insurance Program, how to get low car insurance.

    #How #to #get #low #car #insurance

    California’s Low Cost Auto Insurance Program

    Consumers – Please visit or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

    Insurance Agents and Brokers (Producers) – Please visit for more information.

    About California’s Low Cost Automobile Insurance Program

    California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

    However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

    Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: .

    CLCA important links:

    • Reports to the Legislature and Consumer Education and Outreach Plans
    • CLCA Tip Card (PDF)
    • Cost of CLCA Insurance Rates Sheet by County 201 7
    • Cost of CLCA Optional Rates Sheet 201 7
    • Good Driver Definition (PDF)
    • Applicant Income Eligibility Requirement (PDF)
    • Request CLCA Tip Cards to be mailed to your organization.
    • Invite CEOB to your outreach event or meeting!
    • If you have a question about the CLCA program, send us an e-mail!

    Contact Us:

    The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

    Consumer Education and Outreach Bureau

    300 S. Spring Street, South Tower

    Los Angeles, CA 90013

    Toll free (877) 401-9550

    The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).

    Home Insurance Leads, Renters Insurance Leads and Homeowner – s Insurance Leads, renters insurance leads.

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    Through our integrated system we are able to offer you leads delivered directly to your email, lead management system or cell phone. As we receive a request for a homeowner’s insurance quote, we process that information and, if they match your needs, send the contact information directly to you. Agents can follow up on the lead, and make the call often, while the prospect is still looking for information at his or her computer!

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    Erste Bank, Filiale Hietzing, Unternehmensgründer, Finanzierungen, Kredite für Gründer, Kredite für Unternehmer, Kredite für Privatpersonen, Autoleasing, Vermögen, 1130 Wien Hietzing, erste bank immobilien.

    #Erste #bank #immobilien

    Erste bank immobilien

    Erste bank immobilien

    Erste bank immobilien

    Erste Bank, Filiale Hietzing

    Die Erste Bank in Hietzing ist der richtige Ansprechpartner für Privatkunden, Freiberufler und Unternehmer.

    Die Filiale der Erste Bank in der Hietzinger Hauptstraße 4 (gegenüber der Kennedybrücke) ist eine der ältesten Filialen in ganz Wien. Das Team rund um Filialdirektor Martin Reiter ist seit vielen Jahren im Bezirk aktiv, sehr gut vernetzt und kennt den regionalen Markt. „Ich selbst habe mich sehr beim Einkaufsverein „Carré Hietzing“ engagiert. Viele unserer Mitarbeiter wohnen auch in der Nähe und sind privat hier verankert“, erzählt Martin Reiter. „Daher sind die meisten Mitarbeiter schon lange in dieser Filiale. So können wir eine Kontinuität in der Beratung bieten. Das wissen alle Kundinnen und Kunden sehr zu schätzen“, sagt er.

    Das Team der Erste Bank Hietzing steht Unternehmern mit fachlichem Know-How und viel persönlichem Engagement zur Seite. „Wir sind das Hietzinger Kompetenzzentrum für alle Unternehmer und stehen großen Firmen genauso wie jungen Start-Ups tatkräftig zur Seite“, erzählt Hans Bartunek, Leiter des Geschäftskunden-Sektors dieser Filiale. Zu allen Fragen rund ums Unternehmertum stehen die richtigen Experten bereit. „Einige Kunden nehmen auch ihren Steuerberater zu den Besprechungen mit, damit wir alle gemeinsam zum Wohl des Unternehmers arbeiten können“, sagt er.

    Für Privatkunden bietet das Team – neben allen üblichen Dienstleistungen eines Kontos samt modernem Onlinebanking – auch Beratung bei z.B. Wohnungsfinanzierungen und Vermögensveranlagung. „In Hietzing wird der Grätzlgedanke noch hoch gehalten,“ sagt Claudia Ribich, Leiterin des Privatkundensektors der Filiale. „Deshalb können wir unsere Kunden ganz besonders persönlich betreuen. Die Anonymität einer Großstadt gibt es in Hietzing einfach nicht“, sagt sie schmunzelnd.

    Erste Bank, Filiale Hietzing

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    Michigan Insurance Discounts: Michigan Car, Home – Life Insurance, Farmers, auto insurance quotes michigan.

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    Michigan Insurance Discounts

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    you save on great Auto and Home

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    Michigan Car and Home Insurance Discounts

    Car Insurance Discounts

    Discounts for the Family

    • Bundle Discounts – Protect all of your important assets and save some money too, by bundling multiple Farmers insurance policies. Earn multi-policy discounts when you carry about of the following policies along with your Farmers Auto policy:
      • Home
      • Renters
      • Mobile Home / Specialty Dwelling
      • Farmers Specialty (Motorcycle, boat, motor home, etc.)
      • Life
    • Distant Student – A discount for policyholders that cover a student who goes to school at least 100 miles away from the home, and doesn’t have regular access to your covered car.
    • Multi-Car – Cover multiple vehicles under the same Farmers Insurance policy, and save.
    • Youthful Driver – Add a child or grandchild to your policy, 24 and younger, and you may be eligible for this rate discount.

    Planning Ahead Discounts

    • Alternative Fuel – Detroit is a hub for hybrid car and alternative fuel technology. So if you’re one of the many locals that drive a hybrid, electric, natural gas, or other alternative fuel vehicle (even if it’s not from one of the Big 3) you get to save at the pump, and on your Auto insurance!
    • Electronic Funds Transfer (EFT) – Reduce your rate and the chances of missing a payment when you enroll in Automatic Electronic Payments.
    • Homeowner – Get a lower Auto insurance rate if you own your home.
    • Pay In Full – Choose to pay your entire premium in one lump installment this term, and we’ll lower your rate with a discount.
    • Transfer – Switch to Farmers from another approved insurance carrier, and you may be eligible for an additional rate discount.

    Classroom Discounts

    • Good Student – Students under 25 get a discount on their Auto insurance by keeping their grades up in school. This discount applies to students that have proof of one of the following:
      • High school students with at least B average
      • College students with a 3.0 (out of 4.0) grade point average or higher
      • Dean’s List or Honor Roll students
      • Students ranked in the top 20% of their class or in the top 20% in national standardized tests

    Be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

    • Mature Driver – Senior drivers 55 and older can complete a state-approved Safe Driver Program for an extra discount on their bodily injury, property damage, medical payments, and collision coverage. If you’ve taken a course like this in the past 3 years, you’re eligible for this discount.

    Home Insurance Discounts

    From the city to the suburbs and everywhere in between…wherever you call home in Michigan, protect it with smart Homeowners coverage at smarter prices with Farmers.

    Discounts for the Household

    • Affinity – Employees, retirees, and members of approved business and professional groups in Michigan may be eligible for an additional premium discount. Contact us to see if you qualify.
    • Bundle Discounts – A discount is available for Farmers customers who carry Home insurance along with Farmers Auto and/or Life insurance.

    Home Upkeep Discounts

    • Home Renovation – Discounts are available to homeowners who have recently replaced or renovated their home’s heating and electrical, or plumbing systems.
    • New Home – Homes built in the past 13 years are eligible for this added discount.
    • New Roof – Earn this discount if you’ve replaced or built a new roof for your home sometime in the past 6 years.
    • UL Approved Roofing Materials – Roofs made of impact resistant materials, approved and tested by Underwriting Laboratories, like asphalt shingles or asphalt fiberglass, may qualify for this discount.

    Home Safety Discounts

    • Home Safety – Farmers wants your home to be as safe as possible. So we apply this discount if your home is:
      • Fortified with added protection to windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather.
      • Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
      • ENERGY STAR or EPA Certified for energy efficiency
      • LEED Certified for high-performance green homes
      • Equipped with an Automatic Gas Shutoff Valve
    • Protective Devices – Protect your home with a burglar alarm, central fire alarms, or fire protection sprinklers and Farmers will reward you with premium discounts.

    You may be eligible for one or more of these discounts, subject to documentation. Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Not all products and discounts are available in every state. Please contact a Farmers agent for details.

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    Kinocharts 2017 – Erfolgreichste Filme 2017 (Alle Kinostarts 2017 ab 100.000 Besucher insgesamt.) – In der gesamten 31. Kinowoche 2017 (31.07. – 06.08.2017) übernahmen die Minions die Führung in 2017 mit Ich – Einfach unverbesserlich 3 (3D) auf Platz 1. Die Kinostarts der Vorwoche, Ostwind – Aufbruch nach Ora, Dunkirk und Baby Driver, machten interessante Sprünge: um 20 Plätze auf Platz 35, um 19 auf 40 und um 18 auf 59. Die Kinostarts der Woche, Planet der Affen: Survival (3D), Grießnockerlaffäre und. Weiterlesen auf Kinocharts (2017 – 2006) mit Auswertungen und Vergleichen zu allen Vorgängern

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    Die weltweit erfolgreichsten Kinofilme aller Zeiten – Plätze 1 – 376 – Endgültige, aktuelle Einspielergebnisse weltweit, International und der USA der 32. Woche (07.08. – 13.08.2017). Die erfolgreichsten Filme weltweit boten dreizehn Veränderungen – sieben innerhalb der Top 100 – eine durch einen Neueinsteiger. Ich – Einfach unverbesserlich 3 (3D) stieg um vier Plätze auf Platz 43, Wonder Woman (3D) um einen Platz auf Platz 66 und Pirates of the Caribbean: Salazars Rache (3D) um zwei Plätze auf Platz 72. Acht Plätze konnte sich mit seinem Einstieg in. Weiterlesen auf Erfolgreichste Kinofilme und Erfolgreichste Filme 2017 weltweit (Top 37)

    Top 381 – Aktuelle Einspielergebnisse inkl. 19. November 2017, 46. Woche

    Personal Accident & Sickness – Balens Ltd, personal accident and sickness insurance.

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    Balens Financial

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    Balens Ltd. is authorised regulated by the Financial Conduct Authority. Copyright Balens Ltd. © 2014. All Rights Reserved.

    Authorised and Regulated by the Financial Conduct Authority in the United Kingdom – Balens Limited Registration Number FRN 305787 and regulated by the Central Bank of Ireland for Conduct of Business rules. Balens Financial Ltd (FRN 630456) is an Appointed Representative of Go IFA who are Authorised and Regulated by the Financial Conduct Authority under the FRN 530741.

    Balens Insurance Finance Services Ltd (BIFS) is authorised and regulated by the Financial Conduct Authority under the FRN 721566. You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.

    Dealing with Complaints – If you wish to see our complaints handling procedure please contact us on [email protected] For further information you can visit the Financial Ombudsman Service (FOS) website: You may also refer to the EU Online Dispute Resolution Platform:

    In certain circumstances, if the Insurer of your policy is W.R. Berkley UK Limited you may wish to contact the insurer directly: W.R. Berkley UK Limited, Compliance Department, 40 Lime Street, London, EC3M 7AT. Telephone: +44 (0)20 7088 1969. Email: [email protected]

    In the event that you remain dissatisfied, it may be possible, in certain circumstances, for you to refer the matter to Complaints team at Lloyd’s. Their address is: Complaints, Lloyds, Fidential House, Walter Burke Way, Chatham Maritime, Chatham, Kent ME4 4RN. Telephone: 020 7327 5693. Email: [email protected]

    Balens Limited has passporting rights enabling us to carry out insurance transactions within EEA states. This business may not be regulated by the Financial Conduct Authority, however, we apply the same compliance protocol across all of our business.

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    Alkoholsteuerreform 2018Informationen für Abfindungsbrenner und Stoffbesitzer; Rohstoffliste

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    Verbote und BeschränkungenWarnung vor illegalen Feuerwerkskörpern

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    Landwirtschaftliche Bio-WarenVerpflichtende Anwendung von ” TRACES ” bei Einfuhr

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    ÖffnungszeitenPostsendungen in der Weihnachtszeit

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    Zoll Ski TeamAndreas Wellinger wird Tournee-Zweiter

    Der Skispringer steigerte sich von Wettkampf zu Wettkampf und belegte am Ende den hervorragenden zweiten Gesamtrang bei der Vierschanzentournee.

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    Insurance and Employee Benefits, MetLife, auto insurance military.

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    The descriptions below may help you identify your dental network. If not, log in to MyBenefits to find a dentist.

    • Supports the MetLife Preferred Dentist Program, a Dental PPO plan
    • Visit any licensed dentist or specialist (however, out of pocket costs are usually lower when you go to a participating dentist)

    PDP Plus

    • Offers the greatest selection of participating dentists and specialists for the MetLife Preferred Dentist Program, a Dental PPO plan
    • Visit any licensed dentist or specialist (however, out of pocket costs are usually lower when you go to a participating dentist)
    • Federally Facilitated Marketplace customers, please select this plan if you reside in one of the following states: AZ, FL, GA, IL, MI, MO, NC, NJ, OH, PA, TX, VA, WI. (Note: this listing of states on the Federally Facilitated Marketplace where MetLife has filed to be a participating SHOP dental carrier is subject to change)
    • State based marketplace participants from the NY State of Health and DC Health Link, please select the PDP Plus Network

    Dental HMO/Managed Care

    • Available only to employees living in CA, FL, NJ, NY and TX
    • Enrolled members pre-select a primary care dentist for all dental services
    • Federal or State Marketplace customers, please select this network for Dental HMO/Managed Care Plans. Plan names begin with your state abbreviation (Ex: FL Family Basic Plan for Florida)
    • State based marketplace participants from the NY State of Health and DC Health Link, please select the PDP Plus Network

    Federal Dental (FEDVIP)

    • Supports the MetLife Federal Dental Plan, a Dental PPO Plan
    • Available only to certain Federal government employees and their dependents
    • Visit any licensed dentist or specialist – however, your out-of-pocket costs are usually lower when you go to a participating dentist

    Don’t know your vision plan?

    The descriptions below may help you identify your vision network. If not, log in to MyBenefits to find a vision provider.

    Van Insurance, Commercial Vehicle Quotes – Liberty Insurance Ireland, vehicle insurance online quote.

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    Van Insurance

    Make changes to your policy or pay for your quote

    Not only is Liberty van insurance fast and simple to buy, it’s crammed with tons of great benefits, including Step back no claims bonus protection, audio protection and European cover. That’s van insurance the way it should be.

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    No hanging around

    In a hurry? You can quote and buy your van insurance online.

    With an online quote, there’s no hanging around. You’ll get your van insurance price in as little as ten minutes and you’re covered from the moment you buy, so you’ll be on the road in no time. You can manage your account online too – so you can log in and change your vehicle, add a driver or request a document any time you like.

    Also includes:

    • Multi Policy Discount
    • Step Back No Claims Protection
    • Audio protection

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    Multi Policy Discount

    Saving money is always a good thing. And you can get a discount of up to 10% on every additional policy you or your live-in partner take out with us. Even better, this discount applies to all policies, including home, car, van or bike, and it will even apply to your original policy when renewal time comes around. Terms and conditions apply.

    Vehicle insurance online quote

    Step Back No Claims Protection

    Accidents happen. And even the most careful van drivers may need to make a claim at some stage. So it’s great to know that if you have four or more years of no claims bonus, we’ll automatically protect part of your discount. This means if you do have to claim, you’ll hang on to some of the discount you’ve built up. Terms and conditions apply.

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    Audio protection

    Spend a lot of time in your van? Then you probably rely on equipment like your radio or sat nav. So it’s good to know that if something happens to it, Liberty van insurance has you covered for up to €635, or 5% of the value of the vehicle, whichever is lower. Terms and conditions apply.

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    Heading to Europe

    Apart from remembering which side of the road you should be on, driving your van in Europe is worry-free. All Liberty van insurance policies come with the minimum legal cover you need to drive your van in any EU country.

    And whatever the reason for your trip – work or pleasure – let us know and we can extend your cover to the same level you have back home. Terms and conditions apply.

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    Here to help

    When you need us, we’re here. Whether your preference is email, social media, or the telephone, there are loads of ways to contact us.

    We might even have the answer for you already – check out our Customer Care section for a list of frequently asked questions and their answers.

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    24-hour claims helpline

    Accidents don’t just happen between 9-5pm. So if things do go wrong, you can call our claims helpline at any time of the day or night and we’ll get the ball rolling.

    Cover types

    Confused about the cover you need? We offer three types of van insurance cover: third party; third party, fire and theft; and fully comprehensive.

    Your benefits in full

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    Location Appartement Ski – chalets: ski pas cher hiver 2018-2019, trouver un appartement location.

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    Locations ski en appartement & chalet – saison 2018-2019 !

    Louez un appartement au ski pour vos vacances !

    Pour la plupart de nos séjours, la location du matériel de glisse pour la semaine (ski, snowboard, snowblade) et une restauration complète et économique par paniers traiteurs (foodpacks), standard, sans porc, végétarien, hallal, gourmet sont possibles en option. Economisez également sur vos forfaits, locations de matériel et repas en choisissant directement nos packs promos avec forfait inclus, avec forfait ET matériel, avec forfait et cours de ski ou "ski tout compris" (forfait, matériel, foodpacks, assurances et taxes inclus).

    Séjours triés par prix minimum par logement : cliquez sur la vignette pour connaître le détail du séjour ou recherchez le nom de la station dans le moteur ci-contre pour voir tous nos séjours et formules (pack éco avec au moins le forfait inclus) dans cette station de ski. Retrouvez notre sélection de promos pour un séjour au ski pas cher !

    Location au ski par domaine :

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    LOCATION – VAL DALLOS – Les CГ®mes du Val dAllos

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    Nos expositions : du 19 mars au 9 septembre 2018

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    Animalement vôtre

    L’Ile de la découverte

    19 mai 2018 – Nuit européenne des musées

    A l’occasion de la Nuit européenne des musées, le site des expositions du Pavillon des sciences sera accessible gratuitement samedi 19 mai 2018 de 19h à 23h.

    2 mai au 27 juin 2018 – Les ateliers du Pavillon des sciences

    [“ATELIERS”] – Mercredis et jeudis

    Imaginer, dessiner, fabriquer, concevoir et repartir avec sa création, voici tout le programme des ateliers proposés par Estelle Grandperrin les mercredis après-midi pour les enfants (à partir de 9 ans) et les jeudis pour les adultes, en soirée.

    Mai : mercredis 2, 16 et 30 mai de 14h à 17h / jeudi 17 mai de 18h à 20h30

    Juin : mercredis 13, 20 et 27 juin de 14h à 17h / jeudi 7 et 14 juin de 18h à 20h30


    En Bourgogne-Franche-Comté

    18 mars au 31 décembre 2018 – Fourier 1768-2018


    Quel point commun y a-t’il entre la compression d’images, l’effet de serre, le radar, l’isolation thermique et l’imagerie à résonance magnétique (IRM) ? Tous utilisent les résultats d’études menées il y a deux siècles par Joseph Fourier.

    Mathématicien et physicien auxerrois, il est l’auteur d’une oeuvre visionnaire dont l’origine est une question physique : la propagation de la chaleur qui devait ensuiterévolutionner les mathématiques puis connaître un impact profond dans le traitement numérique du signal de 1980 à nos jours.

    Des actions auront lieu dans toute la France et notamment à Auxerre, Paris et Grenoble, trois villes particulièrement liées à son histoire personnelle.

    En Bourgogne, les actions sont fédérées par la Société Fourier et la par le Centre de Culture Scientifique, Technique et Industrielle de Bourgogne-Franche-Comté-Pavillon des sciences, dont le Muséum d’Auxerre est membre.

    7 avril au 30 septembre 2018 – La Grande Saline

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    Cessione del quinto preventivo

    E’ un finanziamento garantito non finalizzato, per il quale non è necessario presentare alcun giustificativo di spesa. Disciplinato dalla legge, è destinato ai lavoratori dipendenti, che potranno rimborsarlo senza spese, con trattenuta diretta in busta paga.

    E’ un Finanziamento personale, non finalizzato, per il quale non è necessario presentare alcun giustificativo di spesa. E’ destinato ai lavoratori dipendenti che potranno rimborsarlo senza spese, con trattenuta diretta in busta paga.

    • importo massimo erogabile: secondo disponibilità stipendiale (R258);
    • rata mensile costante;
    • durate da 24 a 120 mesi;
    • tasso fisso per tutta la durata;
    • assicurazione: copertura rischio vita Fondo Speciale FS con diritto al Fondo di Garanzia;
    • erogazione con accredito sul conto corrente del dipendente.
    • importo massimo erogabile: secondo disponibilità stipendiale (R259);
    • rata mensile costante;
    • durate da 12 a 120 mesi;
    • tasso fisso per tutta la durata;
    • garanzie: vincolo sul “trattamento di fine rapporto”, nei limiti dell’importo finanziato;
    • erogazione: con accredito sul conto corrente del dipendente.
    • contratto di lavoro a tempo indeterminato;
    • data di assunzione anteriore al 1° aprile 2000;
    • data di assunzione entro aprile 2000, ad eccezione di Ferrovie dello Stato S.p.A.
    • termine del periodo di rimborso entro l’età massima pensionabile.
    • contratto di lavoro a tempo indeterminato;
    • assenza di elementi pregiudizievoli (pignoramenti, protesti, ecc).
    • termine del periodo di rimborso entro l’età massima pensionabile.
    • certificazione stipendiale (mod. R258), con certificato medico;
    • certificato medico attestante, per gli usi consentiti dalla legge,la sana e robusta costituzione fisica, rilasciato dalla Direzione Sanità delle FS o dai medici di base convenzionati con le Aziende Sanitarie Locali (ASL).
    • documento d’identità in vigore;
    • codice fiscale.
    • certificazione stipendiale (mod. R259);
    • documento d’identità in vigore;
    • codice fiscale.

    In base all’art. 39 del D.P.R. n. 180 del 1950, il rinnovo dei finanziamenti con cessione del quinto / delegazione di pagamento non può avvenire prima che sia trascorso il 40% del piano d’ammortamento del finanziamento in corso. Ciò significa che devono essere state versate almeno i 2/5 delle rate previste dal contratto di finanziamento ( es: 24 mesi per durata 5 anni e 48 mesi per durata 10 anni).

    Unica eccezione, ma sempre nel rispetto della legge, è la rinegoziazione di contratti con durata uguale o inferiore ai 60 mesi (Delegazioni/Cessioni quinquennali); in questo caso sarà possibile rinegoziare il finanziamento prima che sia trascorso il 40% del piano d’ammortamento, solo se il nuovo contratto avrà durata uguale o superiore a 72 mesi (Delegazioni/Cessioni decennali).

    Calcola adesso il tuo preventivo

    Dopo aver inserito l’importo del finanziamento desiderato o, in alternativa, quello della rata mensile, scegli la tipologia di finanziamento e premi il pulsante Calcola.

    Per informazioni o preventivi rivolgersi agli addetti di Fercredit ai seguenti numeri telefonici : 06/44107087 -7088-708.

    Mobilificio Fattorini, Produzione Sedie e Tavoli, Gazzaniga (Bergamo), Mobilificio FattoriniProgettazione e produzione di Sedie e tavoli, fattorini.


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    Progettazione e produzione di Sedie e tavoli

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    Fattorini 1961

    Alcuni prodotti di sempre ormai diventati icone, ma anche nuovi pezzi nati dalle collaborazioni con architetti e designer. Sedie, sgabelli e.

    Fattorini LAB

    Casa, contract, ufficio e comunità, FattoriniLab progetta e costruisce lo spazio. Sempre a misura, tenendo conto delle esigenze, con cura.

    I nostri servizi


    Il Mobilificio Fattorini crede nella progettazione come qualità distintiva della propria azienda.

    L’ufficio progettazione è quindi il centro nevralgico dal quale partono tutti i lavori, dalla realizzazione di ambienti completi alla messa.


    Da oltre cinquant’anni il Mobilificio Fattorini si contraddistingue per la produzione di sedie, tavoli e sgabelli in legno e metallo, vantando oggi un migliaio di modelli a catalogo, tutti personalizzabili.

    L’offerta è completata dalla.


    La corretta messa in opera di tutti i progetti è affidata ad un gruppo di tecnici specializzati e montatori, i quali con la propria esperienza si occupano sia della fornitura dei singoli complementi d’arredo, sia dei cantieri più articolati che.

    Assicurazione RC Auto online, TOP rapporto qualit – prezzo, assicurazione casa on line.

    #Assicurazione #casa #on #line

    Assicurazione casa on line

    Stai recuperando un preventivo calcolato in partnership con Volkswagen Financial Services. Prosegui per accedere al sito dedicato all’iniziativa.

    Preventivo LinearNext

    Stai recuperando un preventivo calcolato in un’agenzia LinearNext. Torna in agenzia per completare l’acquisto.

    Assicuriamo la tua libertà

    Sei già cliente?

    Numeri utili per richiedere

    assistenza stradale o fare

    I nostri partner

    In promozione fino a 2.000 punti per i Soci Coop che acquistano una nuova polizza Linear.

    Fino a 4.000 punti per i titolari di carta fedeltà PAYBACK che acquistano una nuova polizza!

    Una Carta Regalo da 50€ per i clienti LaFeltrinelli che scelgono Linear.

    Linear riserva un’offerta speciale sulla polizza auto per i clienti Hera comm.

    150 minuti di noleggio gratuito per i clienti Share ‘nGo che scelgono Linear


    Gestisci la tua polizza

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    Gestisci la tua polizza

    quando e dove vuoi

    Puoi contare sulla solidità

    del Gruppo Unipol

    Ti aiutiamo quando

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    Recensioni verificate

    Dialogo entra a far parte di Linear. Le polizze Dialogo continueranno ad avere validità fino alla scadenza.

    Invita i tuoi amici, Linear ti premia! Puoi accumulare sconti sul rinnovo della tua polizza.

    Sconti e promozioni dei nostri partner per tutti i Clienti Linear. Tante offerte esclusive solo per te!

    News da Linear

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    in tutta sicurezza

    Le assicurazioni
    Informazioni utili
    Ci trovi anche su

    Attestato di rischio

    • Nome, Cognome e Codice Fiscale (o nome dell’azienda e Partita IVA)
    • Targa del veicolo di cui vuoi ricevere l’attestato di rischio
    • Numero di polizza
    • Indirizzo email dove ricevere l’attestato di rischio

    Indica inoltre se sei il proprietario, il locatario, l’usufruttuario o l’acquirente.


    Dal 18 ottobre 2015 il contrassegno cartaceo diventa digitale e non si dovrà più esporre sul parabrezza dell’auto. Il controllo sulla copertura assicurativa verrà effettuato dalle Forze dell’Ordine attraverso la verifica della targa sulla banca data dei veicoli assicurati, istituita presso la Motorizzazione Civile. In questo modo sarà più efficace la lotta contro la contraffazione e la verifica dei mezzi che circolano privi di copertura assicurativa.

    E’ in ogni caso indispensabile conservare nel veicolo il certificato di assicurazione che resta un documento necessario per la circolazione.


    A partire dal 31 dicembre 2015 Dialogo entra a far parte di Linear Assicurazioni.

    L’operazione, nata in un’ottica di razionalizzazione e riorganizzazione delle compagnie del Gruppo, si traduce in un miglior servizio e vantaggi da offrire ai clienti. Linear, difatti, con oltre quindici anni di esperienza nel mercato assicurativo online, con più di 500 professionisti a tua disposizione e grazie alla solidità del Gruppo Unipol, vanta un servizio di assoluta eccellenza e una gamma prodotti estremamente ricca e competitiva.

    Le polizze Dialogo continueranno ad avere validità senza alcuna variazione delle condizioni contrattuali. Entro 30 giorni dalla scadenza del contratto, i clienti Dialogo riceveranno una proposta di Linear per la propria polizza.

    Software para Administración de Condominios y Edificios, ingresos y egresos.

    #Ingresos #y #egresos

    La mejor solución web en latinoamérica para administradores de condominios y edificios

    En 2 minutos crea el website privado de tu condominio o edificio, listo ya para manejar cuotas, pagos, avisos, informes y todo lo que un administrador profesional necesita.

    Servicios adicionales en México

    Ingresos y egresos

    Vivook cuenta con secciones especiales para:

    Da click en las palabras en azul para ver ejemplos

    Tour Virtual : 14 razones para usar Vivook

    Ingresos y egresos

    1.- Website privado de tu edificio o residencial

    Tu edificio o residencial dispondrá inmediatamente de un sitio web privado personalizado, donde el administrador, los propietarios y los residentes puedan comunicarse, interactuar y llevar la administración financiera.

    Ingresos y egresos

    2.- Servicio adicional de tu empresa

    Si te dedicas a la administración de edificios o residenciales, puedes vincular el acceso de Vivook a tu página web. De esta manera tus clientes (los residentes) tendrán que ingresar su email y password, desde la página web de su empresa y no desde Vivook.

    Ingresos y egresos

    3.- La información clara y oportuna. Las 24 hrs. del día

    Con Vivook tus residentes pueden mantenerse al día de toda la información del edificio o residencial a través de blogs temáticos preorganizados.

    Ingresos y egresos

    4.- Manejo de información exclusiva para miembros del comité de vigilancia, comité de residentes o miembros del consejo.

    El consejo de administración o comité de vigilancia, cuenta con votaciones y un blog exclusivo. Donde toda la información es confidencial y únicamente los miembros del consejo pueden consultarla. ¡Pueden tratar asuntos y tomar decisiones, sin tener que reunirse físicamente!

    Ingresos y egresos

    5.- Reservación de instalaciones en línea.

    Los residentes podrán reservar las instalaciones o áreas comunes del edificio o residencial. El administrador confirmará o rechazará las solicitudes vía Vivook.

    Ingresos y egresos

    6.- Solicitudes al administrador las 24 hrs. del día, reduciendo llamadas telefónicas y visitas de residentes

    Cada vez que un propietario o residente quiera solicitarle o preguntarle algo al administrador, puede hacerlo aquí. No es necesario llamarle por teléfono o buscarlo personalmente. El administrador desde aquí puede darle seguimiento a las solicitudes y los residentes pueden consultar aquellas que sean públicas y ver si están pendientes de resolver, resueltas o anuladas.

    Ingresos y egresos

    7.- Residentes forman parte en la toma de decisiones

    Vivook permite al administrador organizar encuestas y votaciones entre los propietarios y/o vecinos. De esta manera la opinión de los residentes y la preferencia de la mayoría siempre son tomadas en cuenta.

    Ingresos y egresos

    8.- La administración más transparente que nunca

    Si el administrador así lo decide, el comité de vigilancia o incluso todos los vecinos, pueden tener acceso a la información financiera del edificio o residencial (Ingresos, egresos y anexos de egresos, como facturas, tickets, presupuestos, recibos, reporte de presupuesto, cuentas bancarias y cuentas financieras de fondos, etc).

    Ingresos y egresos

    9.- Cada residente sabe cuánto debe y cuánto ha pagado.

    Las 24 hrs del día los 365 días del año los residentes tienen acceso a su estado de cuenta. Además de que el administrador, puede enviar e imprimir desde Vivook avisos de cobro y avisos de pago, personalizados con la imagen corporativa del edificio o residencial.

    Ingresos y egresos

    10.- Lleva el registro de tus actividades de cobranza

    Vivook cuenta con un sistema de seguimiento en el cual se pueden registrar todas las actividades de cobranza que se han realizado para cada una de las viviendas.

    Ingresos y egresos

    11.- Controla la cobranza de manera sencilla

    Con Vivook sabrá exactamente el monto de las cuentas por cobrar que existen en tu residencial, ya que contarás con varios reportes como: Cuentas por cobrar, morosos, antigüedad de adeudos, entre otros.

    Ingresos y egresos

    12.- Programación de las tareas de administración

    Lleva una agenda de las tareas de administración, no importa si son recurrentes o solo se realizan una sola vez. Además podrás programar recordatorios automáticos para los responsables de realizar cada tarea.

    Ingresos y egresos

    13.- Ahorro en recursos del edificio o residencial

    Lo importante no es cuánto cuesta, sino cuánto te ahorra en lo que gastas actualmente en fotocopias de avisos, en tiempo que invierte para poder repartirlos y en llamadas telefónicas.

    Ingresos y egresos

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    Usa el 100% de la funcionalidad de Vivook durante un mes sin costo. Registra aquí su edificio o residencial. Es muy rápido y totalmente gratis.

    Quién más utiliza Vivook?

    Ingresos y egresos

    Ingresos y egresos

    Ingresos y egresos

    Ingresos y egresos

    Ingresos y egresos

    Ingresos y egresos

    Ingresos y egresos

    Ingresos y egresos

    Comune di Cuneo – Portale Istituzionale – Affidamento in gestione di un reparto di un esercizio di vendita, esercizio di commercio al dettaglio di vicinato.

    #Esercizio #di #commercio #al #dettaglio #di #vicinato

    Affidamento in gestione di un reparto di un esercizio di vendita


    Il titolare di un esercizio commerciale organizzato su più reparti, in relazione alla gamma dei prodotti trattati o alle tecniche di prestazione del servizio impiegate, può affidare uno o più di tali reparti, affinché lo gestisca in proprio, per un periodo di tempo convenuto, ad un soggetto (persona fisica o società) in possesso dei requisiti previsti, in relazione ai prodotti venduti nel reparto stesso. Con l’affidamento di reparto, le facoltà connesse alla gestione dell’esercizio, comprese le scelte inerenti alle vendite straordinarie o sottocosto, sono trasferite all’affidatario. Ogni altra facoltà e, in particolare, la scelta degli orari e delle chiusure, la modifica delle superfici e dei settori merceologici e l’affidamento di reparti, resta in capo al titolare dell’esercizio.


    • D.Lgs.31 marzo 1998 n. 114
    • Circolare del Ministero dell’industria, del commercio e dell’artigianato n. 3467/C del 28 maggio 1999


    1. Dovrà essere inoltrata allo ufficio apposita comunicazione, esente da bollo.

    2. La comunicazione, con gli eventuali allegati necessari, dovrà pervenire all’ufficio prima dell’inizio della gestione.

    3. fotocopia del documento di identità di tutte le persone che hanno posto la loro firma sul modulo;

    4. copia del permesso di soggiorno non scaduto, qualora gli interessati siano stranieri;

    5. documentazione relativa ai requisiti professionali.

    – Allegati tecnici – se necessari

    – essere titolare di un esercizio di vendita al dettaglio strutturato per reparti; – aver stipulato regolare contratto d’affidamento di gestione del reparto dell’azienda commerciale. Il contratto può avere la scrittura di forma privata autenticata da notaio o atto notarile.

    Per la ditta/società affidataria

    l’impresa che gestirà il reparto dev’essere iscritta al Registro Imprese della Camera di Commercio (anche successivamente).

    In caso di vendita di prodotti alimentari il titolare dell’impresa individuale o il legale rappresentante o preposto della società devono essere in possesso dei requisiti

    1. nessun costo per quanto di competenza del settore Elaborazione Dati e Attività Produttive

    2. limitazioni: L’attività deve essere svolta in conformità alle normative edilizio urbanistiche, tecniche, igienico-sanitarie e commerciali e nel rispetto della disciplina regionale e dei criteri comunali.

    3. termini di accoglimento: L’attività può iniziare immediatamente con la presentazione della segnalazione certificata.

    Vendita auto usate a Potenza: le occasioni da Motor France, vendita usato auto.

    #Vendita #usato #auto

    Vendita auto usate a Potenza e provincia: le occasioni da Motor France

    Stai cercando auto usate a Potenza e provincia? La Concessionaria Motor France è ciò che fa al caso tuo! Nelle nostre sedi di Potenza in via delledilizia, troverai un ampio parco auto di vetture usate e a km 0 di tutte le marche, oltre che a tutta la vasta gamma di veicoli nuovi marchio Peugeot e Kia, dei quali siamo Concessionari Ufficiali di zona.

    Tutte le automobili presenti nel nostro punto vendita sono assolutamente certificate, e la loro qualità è garantita dagli operatori specializzati che operano presso le nostre officine autorizzate, utilizzando esclusivamente ricambi originali, per offrire a tutti i clienti la massima tranquillità nellacquisto della loro quattro ruote.

    Tutta la professionalità del nostro staff è messa a tua disposizione anche dopo lacquisto, per permettere a te e alla tua nuova auto di percorrere quanti più chilometri possibili insieme. La manutenzione ordinaria e straordinaria, il cambio degli pneumatici e gli interventi di riparazione della carrozzeria sono solo alcuni dei servizi che mettiamo a tua completa disposizione.

    Scegli di affidarti alla nostra esperienza

    Motor France svolge con successo la propria attività di Concessionaria Peugeot da quasi 40 anni, e rappresenta pertanto un punto di riferimento a Potenza e in tutta la Basilicata nel settore automobilistico. Dal mese di gennaio del 2015 siamo anche Concessionari Ufficiali per il Brand Kia. La serietà e laffidabilità, da sempre sinonimi del nostro nome, si riflettono anche nelle molteplici possibilità di finanziamento, concordabili per assicurare a tutti la certezza di trovare la vettura dei propri sogni.

    Sei interessato ad una citycar, come lagilissima Peugeot 108, o preferisci la comodità che solo una monovolume come la spaziosa Kia Venga può offrire a chi la guida? Vieni a trovarci o contattaci, per scoprire la disponibilità di auto usate a Potenza attualmente presenti nella nostra Concessionaria.

    Bayerische Krebsgesellschaft e, spenden krebs.

    #Spenden #krebs

    spenden krebs

    Der schnelle Weg zur Bayerischen Krebsgesellschaft e.V.

    089 – 54 88 40 -0

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    Bank f r Sozialwirtschaft

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    Wir sind Mitglied im Parit tischen:

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    Bayerische Krebsgesellschaft e.V.

    Wir helfen Menschen mit Krebs und deren Angeh rigen, mit der Krankheit zu leben – vertraulich und kostenfrei.

    Sind Sie auch von Krebs betroffen? Wir unterst tzen Sie gerne darin, f r sich neue M glichkeiten und Wege zu entdecken und zu entwickeln.

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    Nebenwirkungen der Tumortherapie – Hilfe zur Selbsthilfe in berarbeiteter und erweiterter Fassung

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    Hier finden Sie unsere aktuellen Programm-Flyer mit den Veranstaltungen f r 2017

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    Neue offene Stellen bei der Bayerischen Krebsgesellschaft zu besetzen

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    Wasserfeste Janker von D. Steinberger: 2,50 Euro pro verkauftem St ck flie en an die Bayerische Krebsgesellschaft

    27. November 2017

    Verleihung des Bayerischen Krebspatienten-Preises 2017

    alle zwei Jahre werden Kliniken in Bayern ausgezeichnet, die nachhaltige und bertragbare Konzepte f r eine bessere psychoonkologische Versorgung von Krebspatienten an der Schnittstelle station r ambulant entwickelt haben.

    19. Dezember 2017

    Warum erkranken immer noch so viele Menschen an Lungenkrebs

    Vor sieben Jahren hat Bayern das strenge Rauchverbot in Kneipen und Gastst tten beschlossen. Die Zahl der Erkrankungen an Lungenkrebs hat sich trotzdem kaum ver ndert.

    Mit mehr Wissen gegen Krebs

    Concepto de mercado y sus tipos, mercado minorista concepto.

    #Mercado #minorista #concepto

    Concepto de mercado y sus tipos

    Mercado minorista concepto

    En términos económicos generales el mercado designa aquel conjunto de personas y organizaciones que participan de alguna forma en la compra y venta de los bienes y servicios o en la utilización de los mismos. Para definir el mercado en el sentido más específico, hay que relacionarle con otras variables, como el producto o una zona determinada.

    En el mercado existen diversos agentes que se influyen entre sí, dando lugar a un proceso dinámico de relaciones entre ellos. Al mismo tiempo, el mercado está rodeado de varios factores ambientales que ejercen en mayor o menor grado una determinada influencia sobre las relaciones y estructuras del mismo.

    A continuación un didáctico video en el que se introduce de manera sencilla el concepto de mercado.

    Los mercados pueden clasificarse principalmente con base en las características de los compradores y con base en la naturaleza de los productos.

    De acuerdo a las características de los compradores se tienen los dos tipos de mercados siguientes:

    1. Los Mercados de Consumo

    Son aquellos en los que se realizan transacciones de bienes y servicios que son adquiridos por las unidades finales de consumo. Estos mercados pueden dividirse en tres tipos principales:

    • Mercados de productos de consumo inmediato. Son aquellos en los que la adquisición de productos por los compradores individuales o familiares se realiza con gran frecuencia, siendo generalmente consumidos al poco tiempo de su adquisición. Es el caso del pescado, de la carne, las bebidas, etc.
    • Mercados de productos de consumo duradero. Son aquellos en los que los productos adquiridos por lo compradores individuales o familiares son utilizados a lo largo de diferentes períodos de tiempo hasta que pierden su utilidad o quedan anticuados, por ejemplo: los televisores, los muebles, los trajes, etc.
    • Mercados de servicios. Están constituidos por aquellos mercados en los que los compradores individuales o familiares adquieren bienes intangibles para su satisfacción presente o futura, ejemplo: los servicios, la lavandería, enseñanza, sanidad, etc.

    2. Los Mercados industriales o institucionales

    Son aquellos en los que se realizan transacciones de bienes y servicios empleados en la obtención de diferentes productos que son objeto de transacción posterior o que se adquieren para obtener un beneficio mediante su posterior reventa. En otros términos, los mercados industriales son aquellos que comprenden los productos y servicios que son comprados para servir a los objetivos de la organización.

    Teniendo en cuenta los objetivos genéricos de las organizaciones, se pueden distinguir tres tipos de compradores:

    1. Compradores industriales. Son aquellos que adquieren bienes y servicios para la obtención de productos intangibles que son objeto de comercialización posterior. Ejemplo: Empresas de automóviles, etc.
    2. Compradores institucionales. Son aquellos que adquieren bienes y servicios para la obtención de productos generalmente intangibles, la mayoría de los cuales no son objeto de comercialización. Es el caso, de universidades, fuerzas armadas, etc.
    3. Compradores intermediarios industriales. Están formados por los compradores de bienes y servicios para revenderlos posteriormente o para facilitar la venta de otros productos. Ejemplo: mayoristas, minoristas, empresas de servicios, etc.
    • Mercados de productos agropecuarios y procedentes del mar.
    • Mercados de materias primas.
    • Mercados de productos técnicos o industriales.
    • Mercados de productos manufacturados.
    • Mercados de servicios.

    Otros tipos de mercado

    • Mercado abierto

    Denominación utilizada para designar las operaciones de compra venta de fondos públicos realizadas por el banco central de un país. Estas operaciones constituyen uno de los más importantes instrumentos de políticas económicas con el que cuentan los gobiernos para regular el volumen de dinero en circulación.

  • Mercado de Cambios

    Denominación utilizada para designar las compras y ventas de divisas. Existen dos tipos principales.

  • Mercado de cambios al contado

    Es aquel en el que las operaciones de compraventa de divisas se realizan para su entrega y pago en el momento o a los pocos días de ser contratadas.

  • Mercado de cambios de futuros

    Es aquel en el que las operaciones de compraventa de divisas se realizan para su entregue y pago en una fecha futura previamente fijada.

  • Mercado de capitales

    Denominación que se utiliza para designar las diferencias operaciones financieras que se efectúan a medio y largo plazo y el conjunto de instituciones que facilitan la realización de tales operaciones. Comprende dos tipos principales:

  • Mercado de crédito

    Es aquel mercado en el que las operaciones financieras se realizan a través de préstamos de los bancos y de las instituciones de inversión.

  • Mercado de valores

    Es aquel en el que las operaciones de financiación se efectúan mediante las transacciones de diferentes títulos valores en la Bolsa de comercio.

  • Mercado de Cupones

    Denominación utilizada para designar las operaciones de contratación de derechos de suscripción en las Bolsas de Comercio.

  • Mercado de Dinero

    Es aquel mercado en el que se realizan operaciones financieras a corto plazo generalmente inferiores en un año.

  • Mercado de Divisas

    Denominación que se emplea para designar el conjunto de transacciones que se realizan con monedas extranjeras entre los diferentes bancos delegados, para atender las peticiones de sus correspondientes clientes.

  • Mercado de Ocasión

    Expresión utilizada para designar aquellos lugares o establecimientos en los que se realizan transacciones de productos, en condiciones más ventajosas para los compradores que en los establecimientos habituales. La razón de ser de esta ventaja puede radicar en diferentes causas, como son, la venta de productos de segunda mano, fuera de moda, restos de existencias, con pequeños defectos.

  • Mercado de Valores

    Denominación que designa el conjunto de personas, entidades públicas o privadas, relacionadas con la emisión, contratación y control de valores negociables.

  • Mercado Exterior

    Denominación utilizada para designar las diferentes transacciones que las empresas realizan fuera de su propio país.

  • Mercado interior

    Denominación utilizada para designar las diferentes transacciones y las organizaciones que las realizan dentro del país en el que está situada una determinada empresa.

  • Mercado Negro

    Denominación utilizada para designar las diferentes operaciones de compraventa que se realizan al margen de la ley de un país. Este mercado suele originarse como consecuencia de la escasez de un bien en relación con la demanda existente del mismo.

  • Mercado Potencial

    Es la cantidad máxima que de un producto o servicio puede venderse durante un periodo dado de tiempo en un mercado y en unas condiciones determinadas. También suele denominarse a este concepto potencial del mercado. El potencial del mercado depende en la mayoría de los casos de la situación económica del país, así como el conjunto de acciones comerciales que las empresas productoras y vendedoras de un determinado bien puedan realizar.

  • Mercados Centrales Mayoristas

    Son centros físicos de contratación al por mayor existentes en los grandes núcleos urbanos, en los que se reciben los productos agrarios, ganaderos y pesqueros desde los centros de contratación en origen. Existen dos tipos principales: los mercados centrales tradicionales o mercados de abastos y los mercados de alguna empresa.

  • Mercados de Futuros

    Denominación empleada para designar aquellos mercados en los que se realizan la contratación de productos para la entrega futura o diferida de los mismos, a un precio determinado y acordado previamente entre el comprador y el vendedor.

  • Mercados de Tránsito

    Denominación empleada para designar aquellos mercados situados en los puertos y pasos de frontera, en los que se realizan transacciones de diversos productos con destinos muy variados.

  • Mercados en origen

    Denominación empleada para referirse a los lugares próximos a los centros de producción agrarios, ganaderos y pesqueros, en los que se efectúa la primera venta de estos productos. Existen 2 tipos principales.

    • Las alhóndigas o corridas. Son unos almacenes generalmente de propiedad particular a los que se llevan los productos y a los cuales acuden los compradores. Las transacciones se realizan mediante subasta a la baja a viva voz.
    • Las lonjas. Son unos locales, generalmente de propiedad municipal, a los que acuden los compradores y vendedores para realizar sus transacciones.

  • Fachwirt für Vertrieb im Einzelhandel, vertrieb im einzelhandel.

    #Vertrieb #im #einzelhandel

    Stellenangebote in Hannover

    Fachwirt für Vertrieb im Einzelhandel – Mode/Fashion (m/w)



    Fachwirt für Vertrieb im Einzelhandel – Mode/Fashion (m/w)

    Fachwirt für Vertrieb im Einzelhandel – Mode/Fashion (m/w)

    Dauer: 3 Jahre | in Kooperation mit dem BZE Springe

    Dich zeichnet hohe Kommunikationsfähigkeit aus, dazu bringst Du fließende Deutschkenntnisse und Grundkenntnisse in Englisch mit

    Für Dich ist ein offener, freundlicher und respektvoller Umgang mit Kunden und Mitarbeitern selbstverständlich

    Modeaffinität, ausgeprägtes Interesse am Textil – /Einzelhandel

    Belastbarer und zuverlässiger Teamplayer, der aber auch gerne selbstständig und eigenverantwortlich handelt

    Erste praktische Erfahrung im Textil- und Einzelhandel, zum Beispiel durch Schulpraktikum oder Aushilfsjob ist von Vorteil, aber keine Bedingung

    Der Umgang mit PC und MS Office geht dir locker von der Hand

    Weiterbildung auf höchstem Niveau in Kooperation mit dem BZE Springe: Vermittlung praxisorientierter Fachkompetenzen und Fähigkeiten unter Einsatz anerkannter Methoden und moderner Medien

    Eine 2-stufige Aus- und Weiterbildung, bei einem der führenden und vertrauenswürdigsten Textileinzelhändler Europas

    Enge Zusammenarbeit und guter Austausch mit den Storemanagern und Teamleitern

    Aktive Mitarbeit in den Trainings und Workshops

    Unterstützung bei deiner persönlichen und fachlichen Weiterentwicklung

    Vertrauen und Verantwortung: Einblicke in C&A-interne Kennziffern, Zielvereinbarungen mit Mitarbeitern und Durchführen von Feedbackgesprächen

    Wir freuen uns auf deine Online-Bewerbung zur Weiterbildung zum „Fachwirt für Vertrieb im Einzelhandel (m/w)“ bitte ausschließlich über unser Online-Karriereportal.

    Dort hast du dann auch die Möglichkeit, deinen gewünschten Ausbildungsort anzugeben.



    40468 Düsseldorf Chiffre: 10000-1159413175-S

    Letzte Bearbeitung: 24.04.18

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    Hier finden Sie freie Stellen, die Arbeitgeber der Bundesagentur für Arbeit (BA) gemeldet oder in die JOBBÖRSE der Bundesagentur für Arbeit unter eingegeben und einer Veröffentlichung bei öffentlich-rechtlichen Kooperationspartnern der BA zugestimmt haben. Die Daten basieren auf Angaben der Arbeitgeber. Eine gewerbliche Nutzung ist nicht gestattet.

    Bitte richten Sie Anfragen zur Korrektur der dargestellten Stellenangebote ausschließlich an die Bundesagentur für Arbeit.

    Die Bundesagentur für Arbeit (BA, ehemals Bundesanstalt für Arbeit) wird auch umgangssprachlich noch Arbeitsamt genannt.

    San Diego CA Car Donation

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    Donate your car in San Diego

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