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2 Bedroom Suite @ Delano Las Vegas. ~ Video

2 Bedroom Suite @ Delano Las Vegas, REMMONT.COM

#2 #Bedroom #Suite #@ #Delano #Las #Vegas

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2 Bedroom Suite @ Delano Las Vegas

2 Bedroom Suite @ Delano Las Vegas, NEF6.COM

2 Bedroom Suite @ Delano Las Vegas

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What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements. \ Video

#What #Are #FHA #Home #Loan #Requirements? #| #FHA #First #Time #Home #Buyer #Requirements

What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements, NEF6.COM

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What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements

What Are FHA Home Loan Requirements? | FHA First Time Home Buyer Requirements, REMMONT.COM

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Decoración, diseño y bricolaje en, estilos para baños.

#Estilos #para #baños

Decoración, diseño y bricolaje.

Estilos para baños

Estilos para baños

Las puertas de garaje son una de las protecciones que tenemos frente a robos en este pequeño recinto de nuestra vivienda en la que solemos guardar el coche u otros objetos personales de valor, como herramientas o aparatos eléctricos, por lo que su elección es muy importante para que podamos sentirnos protegidos y con total seguridad. A continuación, queremos darte toda la información sobre los tipos de puertas para el garaje que existen y algunos consejos para saber cómo elegirla.

Estilos para baños

Estilos para baños

Cada día tenemos ante nosotros un enorme abanico de posibilidades para poder decorar el espacio en el que vivimos o incluso la oficina en la que trabajamos. Hemos ido aprendiendo a reutilizar diferentes materiales o usar otros nuevos para la decoración de estos espacios, haciéndolos mucho más personales y acogedores para vivir. Uno de estos materiales que se han puesto de moda son los vinilos, elementos decorativos con una enorme resistencia y con los que se puede hacer prácticamente de todo quedando un estilo muy personal. En este artículo te queremos enseñar cómo y dónde colocar vinilos decorativos

Estilos para baños

Estilos para baños

Si quieres disfrutar de una cocina moderna, te invito a conocer los siguientes electrodomésticos originales para tu cocina. A través de ellos podrás disfrutar de muy buenos servicios y a su vez darla un toque original.

Estilos para baños

Estilos para baños

Una de las averías más habituales que suele darse en la cerradura de una casa o de un comercio es el mal estado del bombín. Esto suele estar provocado por un uso no correcto, como intentar introducir constantemente una llave que no es, o incluso cuando un intruso intenta manipular para abrir la puerta para entrar en un lugar privado. Para conocer cómo cambiar el bombín de una puerta paso a paso, te damos aquí las instrucciones que debes seguir

Estilos para baños

Estilos para baños

Ahora que llega el verano, las moscas y los mosquitos quieren hacernos compañía durante todo el verano. Si estás cansado o cansada de sufrirlos, te invito a conocer los mejores repelentes para moscas y mosquitos. Así te podrás olvidar de ellos y disfrutar de un verano perfecto.

Estilos para baños

Estilos para baños

La freidora se ha convertido en una herramienta que cada vez se usa más en la cocina. No solo porque ofrece rapidez en la cocina, sino porque permite cocinar de una manera más sencilla. Si estás pensando en comprar una buena freidora, a continuación, te vamos a ofrecer unos consejos que te ayudarán a comprar el modelo que mejor se adapta a tus necesidades.

A la hora de comprar un modelo u otro, tienes que tener claro si quieres comprar una freidora profesional o quieres una freidora doméstica. Si la quieres para poder cocinar cómodamente en tu casa, lo mejor que puedes hacer es comprar un modelo doméstico. Este tipo de freidora se adaptará muy bien a tu cocina.

Estilos para baños

Welcome to Aurora Real Estate, Nicaragua Real Estate Aurora, bienes raices en nicaragua.

#Bienes #raices #en #nicaragua


Aurora Bienes Raíces es una compañía ubicada en Managua, Nicaragua, que se ha destacado como líder en la venta y renta de propiedades residenciales y comerciales en Managua, León y, San Juan del Sur, también se ha especializado en venta de terrenos en las playas así como fincas agrícolas y ganaderas. Nuestra oficina principal está ubicada en Sto. Domingo las Sierritas en el Km 8 carretera Masaya. Nos especializamos en el área residencial de más alto nivel: Santo Domingo, Las Colinas, Jean Paul Genie y Villa Fontana.

Aurora Bienes Raices ofrece casas residenciales amuebladas y sin muebles en la area de Managua. Tambien tenemos apartamentos con muebles y sin muebles. Adicionalmente ofrecemos lotes residenciales y comerciales en Managua, espacio de oficinas y bodegas en venta y alquiler en el area de managua. De último, Aurora Bienes Raices tambien ofrece fincas en todo el territorio Nicaraguense.

Por que trabajar con Aurora Bienes Raíces?

  • Aurora Bienes Raíces es la compañía con mas experiencia en la industria local y ofrecemos propiedades exclusivas que no se puede conseguir a través de otras agencias.
  • Todo los agentes de Aurora Bienes Raíces son bilingües, hablan y escriben ingles y español.
  • Aurora Bienes Raíces maneja información privilegiada sobre el Mercado local.
  • Nuestra base de datos es la más extensa de todo Managua.
  • Tenemos contactos de negocios en Nicaragua y en toda Centro América
  • Es la empresa con mas sucursales en Nicaragua, además de Managua, ofrecemos servicios completos en León a través de Aurora Colonial Properties, en San Juan del Sur por Aurora Beachfront Realty y estamos iniciando operaciones en la ciudad de Granada. Ofrecemos propiedades de playa en todo el Pacifico así como en el Atlántico.
  • Contamos con el inventario mas grande de fincas y haciendas para la venta. .
  • Aurora es un compañía con un trayectoria e historia de honestidad y eficiencia.

Nuestra ubicaciГіn

El Mirador de Santo Domingo, Managua

Del MAGFOR 2 cuadras abajo, 1/2 cuadra al Sur. #64

Ayuntamientos y municipios en M – xico, bienes raices en xalapa.

#Bienes #raices #en #xalapa

bienes raices en xalapa

nuestros Bienes raices en xalapaforos dedicados a los bienes raíces.

¿Buscas una casa, o algún departamento, local comercial

o terreno en cualquier parte de M é x i c o ? Hay varias

ofertas divididas entre los estados Bienes raices en xalapaaquí.

Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa

NOSOTROS no tenemos Bienes raices en xalapaningún interés relacionado

con la venta de ninguna propiedad en particular.

Somos 100% neutrales y estamos para servir a T O D O S .

Aquí hay varias ofertas de las siguientes ciudades:

México D.F. y Monterrey (Bienes raices en xalapaetcétera).

Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa Bienes raices en xalapa

y también de los siguientes estados:

Bienes raices en xalapa¡Bienvenidos!

Ofrecemos foros adicionales

dedicados a los bienes raíces, también:

servicios, Bienes raices en xalapasolicitudes para propiedades

¿Quieres anunciar GRATIS alguna(s) oferta(s) o solicitud(es)

en nuestros Bienes raices en xalapaforos de anuncios clasificados gratuitos?

Immoka – Immoka – Immobilien Karlsruhe – Immobilienmakler Region Karlsruhe e, immobilienmakler.



Der Verein Immoka besteht aus 13 der führenden Maklerunternehmen der Region Karlsruhe. Bei der Suche nach Ihrer Traum-Immobilie in Karlsruhe und Umgebung bieten die Mitglieder Ihnen kompetente Beratung, exzellentes Know-how und erstklassigen Service.

Immobilienmarkt in Karlsruhe

Der Immobilienmarkt in Karlsruhe bietet ein vielfältiges Spektrum an attraktiven Wohn- und Gewerbeimmobilien. Von Wohnungen über Ein- und Mehrfamilienhäuser, bis hin zu Büroräumlichkeiten, sind Ihren Wünschen in Karlsruhe keine Grenzen gesetzt.















Das Immobilienportal für Karlsruhe und die Region sowie die Südpfalz

Immoka 2017

Die Immoka fand am 7. und 8. Oktober 2017 statt


Lernen Sie unsere Mitglieder kennen


Die Messeinformation der Immoka Immobilientage 2017 ist erschienen. Klicken Sie auf das Bild um das PDF herunterzuladen bzw. in Ihrem Browser zu öffnen.

In den vergangenen fünf Jahren hat der Karlsruher Immobilienmarkt eine starke Entwicklung genommen. Die Preise sind deutlich gestiegen, was daran liegt, dass sich die Fächerstadt als eine der bundesweit zukunftsfähigsten Großstädte etabliert hat. Das liegt an den positiven wirtschaftlichen Faktoren, wie einer niedrigen Arbeitslosenquote oder einer innovativen Hochschullandschaft. Hinzu kommt ein attraktives Freizeit- und Kulturangebot. [ ]

Term Life Insurance Quote Calculator, TIAA, life insurance rates term.

#Life #insurance #rates #term

Life Insurance Premium Quick Quotes

  • Insurance costs vary from person to person based on factors including age, health, policy type and amount of coverage.
  • You can start by estimating your cost for our Level Term policies using our Term quote calculator below.
  • This is an estimate only. Your actual premium will be determined after the underwriting process is completed.
  • Permanent life insurance policies are more complex, and we recommend you call us for an illustration of premiums and benefits.

Find out if you need insurance and how much you may need in three minutes with our Life Wizard.

To discuss your specific situation, call us at 877-276-9429.

Please call 877-276-9429 for quotes at face amounts other than those shown above.

This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

Life insurance rates term

Not a customer yet?

Ask us anything

Weekdays, 8 a.m.-10 p.m. (ET)

Saturday, 9 a.m.-6 p.m. (ET)

Find a local office

FINRA BrokerCheck

For employers

For institutional investors

For financial advisors

For individual customers

About TIAA

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Life insurance rates term. TIAA Direct and EverBank are divisions of TIAA, FSB.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

2018 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017


#Offerta #cucine #componibili

Offerta cucine componibili



















inizio progetto cucina in muratura snack in legno




particolare vela in cartongesso (decorativa con incasso faretti)


fase di studio progetto snack (elaborazione bozze)

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


Top 5 Motor Insurance Companies in India, the best car insurance companies.

#The #best #car #insurance #companies

Top 5 Motor Insurance Companies in India

Getting a Motor Insurance, unlike other forms of insurance, is not a choice but a legal compulsion. It is mandatory to have a third-party motor insurance under Indian Motor Act. But it is recommended by experts to get a comprehensive insurance for your prized possession. A comprehensive plan covers a vehicle not only on the loss/ damage caused by you to a third party (driver/vehicle/property) but also loss /damage caused to your vehicle by natural/man made calamities. To top it up, every insurer offers a host of valuable add-ons on the basic plan to make the coverage even more effective.

There are three types of Motor Insurance –

  • Private Car Insurance
  • Two Wheeler Insurance
  • Commercial Vehicle Insurance

The public sector insurers have always enjoyed the customer’s preference over private sector insurers. Though, the pattern is bending in favour of private insurers since the last few years.

Overview of Top 5 Motor Insurance Companies:

Bajaj Allianz General Insurance Co. Ltd.

Among the private insurance players in Indian insurance domain, Bajaj Allianz is one of the largest general insurance companies in the country.

A large number of industry experts reveal that Bajaj Allianz Auto Insurance leads all the auto insurance players in terms of customer satisfaction, cashless claim settlement and features rich policies. The brand is also widely recognized as one of the most customer friendly insurance companies in India.

  • Doorstep surveyor facility
  • 24X7 Towing assistance
  • Online purchase on EMIs
  • Instant SMS Updates on Claims
  • Cashless settlement at 1500+ network garages

Tata AIG General Insurance Co. Ltd.

Tata AIG General Insurance was incepted in 2011. Even being a comparatively younger company, TATA AIG managed to win over a major fraction of motor insurance market owing to its robust channels of distribution and hassle-free claims.

Last year, the brand bagged reputed awards for being the best employer and deployment of mobile application in insurance.

  • Free car pick up
  • Warranty on repairs
  • Cashless settlement at network garages
  • Claim settlement in 7 days
  • Unique add-ons

The Oriental Insurance Co. Ltd.

Owned by the Central Government, Oriental Insurance Company is one of the best companies to get a motor insurance. The brand boasts of winning the most reputed awards in the industry. The latest ones worth mentioning here are – ‘best public general insurance award’ and ‘best bank and financial institution award’. Oriental is one of the few insurance companies in India to get the iAAA rating by ICRA, indicating its strong financial framework.

  • One of the most reliable names in motor insurance
  • High claim settlement ratio
  • Fast claim settlement
  • Valuable add-ons

The New India Assurance Co. Ltd.

New India is wholly owned by the government of India. Backed up by a strong capital, infrastructure and human resource, auto insurance company in India. The brand has embarked an international presence and is well known for being a pioneer in introducing innovative insurance products.

It has been rated A- (Excellent) by A.M.Best Co., becoming the only Indian insurance company to be rated by an international rating agency.

  • Claim decision taken within 3 days of application
  • Surveyor appointed within 48 hours of claim intimation
  • Claim payment made within 3 days of discharge voucher receipt
  • Grievance acknowledged within 3 days of receipt
  • Grievance resolved within 15 days of receipt

HDFC ERGO General Insurance Co. Ltd

Bolstered by a robust channel of distribution and customer oriented approach, HDFC is the top notch brand for getting a motor insurance. HDFC boasts of having one of the highest claim settlement ratios among private motor insurers. HDFC ERGO is ISO 9001:2008 certified for its operations and claim processes and has been rated iAAA by ICRA. It was recognized as the best general insurance company in India by IAIR in 2013.

  • Age and profession discount
  • Zero documentation
  • Fast claim settlement
  • Cashless settlement at 1600+ network garages

Appartamenti in vendita Via Pietro Frattini, appartamenti in vendita roma.

#Appartamenti #in #vendita #roma

appartamenti in vendita Via Pietro Frattini – Roma

“Cerco appartamenti in vendita Via Pietro Frattini – Roma” ha prodotto 96 risultati.

appartamento quadrilocale in vendita Roma

Quadrilocale via Enrico di San Martino Valperga vicino a Via Pietro Frattini. In prossimità dell?ingresso principale di Villa Bonelli. terrazzo di 23Mq. L’immobile completamente ristrutturato si trova all’interno di un comprensorio residenziale con servizio di [scheda annuncio]

2 bagni

appartamento pentalocale in vendita Roma


2 bagni

appartamento quadrilocale in vendita via Pietro Frattini Roma

Quadrilocale – Via Pietro Frattini. Nel cuore dell?elegante quartiere a pochi passi. affaccio nel verde condominiale in ottimo stato interno ben diviso in zona giorno e zona [scheda annuncio]

2 bagni

appartamento pentalocale in vendita Roma

5 e piu locali via Enrico Albanese vicino a Via Pietro Frattini. Roma nella parte alta del quartiere Portuense. tempo a pochi passi dalle principali vie di passaggio a 300 metri dalla stazione ferroviaria [scheda annuncio]

3 bagni

appartamento trilocale in vendita Roma

Trilocale via gaetano fuggetta vicino a Via Pietro Frattini. Villa Bonelli Via Fuggetta secondo piano in. portiere appartamento 50 mq circa rifinitissimo ingresso salone angolo cottura camera bagno balcone aria condizionata completamente ristrutturato € 225.000 [scheda annuncio]

1 bagni

loft in vendita Roma


Sanitari per bagni, sanitari per bagni.

#Sanitari #per #bagni


Spazio è diffusione sul territorio. Spazio è 30.000 mq di esposizioni e magazzino interconnessi per avere la massima disponibilità di prodotti. Spazio è cura dei propri clienti e garanzia di serietà. Spazio è ricerca dell’avanguardia tecnologica, dei materiali e della qualità.

Nel settore termo-sanitario le nuove tecnologie hanno rivoluzionato i sistemi e moltiplicato le possibilità per ottenere il massimo dell’efficienza e del risparmio energetico dagli impianti delle nostre case.

La nostra esperienza ti potrà guidare nella scelta della soluzione migliore per il tuo “sistema casa”




Spazio è una delle otto aziende fondatrici del gruppo intesa, una forte rete di vendita e di esperienza estesa su tutto il territorio nazionale. Il gruppo Intesa rappresenta un punto di rierimento nel settore dell’idrotermosanitario attraverso la sua costante attività di ricerca delle nuove tecnologie per aumentare l’efficenza dei prodotti

Uno Spazio di idee per la tua casa

Il modo migliore per sfruttare lenergia del sole. Per integrare il riscaldamento dellacqua calda sanitaria e degli ambienti, risparmiando energia e riducendo i costi.

Il ‘clima ideale per efficienza e risparmio

La climatizzazione rappresenta il benessere e il comfort di una casa. Le nuove tecnologie in questo campo garantiscono efficienza energetica e risparmio.

La sicurezza di utilizzare acqua sempre pulita

Migliora ed affina le caratteristiche di potabilità e purezza, per bere, cucinare e per igiene personale. Riduce il consumo energetico e protegge limpianto idro-termo-sanitario impedendo le formazioni di incrostazioni calcaree e corrosioni, preservando tutti gli elettrodomestici.

Riscaldamento a pavimento

Una superficie di calore omogeneo

Con i sistemi radianti a pavimento, ogni metro quadrato può essere utilizzato per conseguire una climatizzazione interna ideale, non solo per riscaldare ma anche per raffrescare, diventando impianti reversibili e sfruttabili per tutte le stagioni.

Il sistema prevede una centrale situata in un locale tecnico della casa e una rete di condotti che la collegano alle prese di aspirazione posizionate in ogni stanza, per garantire pulizie in modo pratico e veloce.

La gamma di radiatori e caldaie si è evoluta negli ultimi anni grazie alle nuove normative per unenergia più pulita. Le caldaie a condensazione con possibilità di integrazione solare e i

sistemi ibridi sono in grado di offrire un comfort massimo con spese minime di gestione.

Ceramiche e rubinetterie

Avanguardia tecnologica e risparmio energetico

Sanitari classici o moderni, soluzioni per docce e vasche a misura, rubinetterie meccaniche e termostatiche.

Arredo bagni e accessori

Design ed ergonomia per il tuo bagno

Infinite proposte per il mondo bagno, dai mobili di arredo agli accessori, dai complementi ai prodotti per il mantenimento e la pulizia del tuo bagno.

Pavimenti e rivestimenti

Concreto valore per il tuo immobile

Pavimenti, grandi formati, parquet, pavimenti per esterni, laminati e vinilici, prodotti di finitura e collanti, prodotti per la pulizia e il mantenimento delle superfici.

Sfruttare laria esterna come fonte di energia rinnovabile

Lideale per riscaldare e climatizzare in estate e inverno. E una delle soluzioni migliori in termini di efficienza energetica ed economicità di esercizio.

Apartamentos en la Playa de Bolonia, Cadiz, apartamentos en la playa.

#Apartamentos #en #la #playa

Playa de Bolonia Turismo en este paraíso de Cádiz

Apartamentos en la playa Apartamentos en la playa Apartamentos en la playa


Apartamentos en la playa

Apartamentos Bolonia Paraíso

Apartamentos en la playa

Los Apartamentos Bolonia Paraíso son dos edificios contiguos que se encuentran en frente de la playa de Bolonia.

Existen tres tipos diferentes de apartamentos:

Apartamentos de 35 metros cuadrados con sala de estar incluyendo una pequeña cocina, una habitación y un cuarto de baño para 2 o 3 personas.

Apartamentos Trajano

Apartamentos en la playa

Los Apartamentos Trajano se encuentran a 250 metros de la playa de Bolonia, famosa por ser una preciosa playa virgen y su impresionante duna natura y a 700 metros de las ruinas romanas de Baelio Claudia. Este complejo de apartamentos y estudios dispone de conexión Wi-Fi gratuita y aparcamiento gratuito en las inmediaciones.

Los apartamentos tienen

Apartamentos Miramar

Apartamentos en la playa

Los Apartamentos Miramar están situados frente a las playas de Bolonia, Tarifa. Están en un entorno virgen rodeado de naturaleza y tranquilidad. Muy cerca está el Conjunto Arqueológico Baelo Claudia y hay chiringuitos y restaurantes, donde degustar el mejor pescado del litoral.

Los apartamentos frente a la playa de uno y dos dormitorios con capacidad para

Apartamentos Ana

Apartamentos en la playa

Los Apartamentos Ana están en la Reserva Natural del Estrecho, a 5 minutos a pie de las ruinas romanas de Baelo Claudia y la playa de Bolonia.

Los apartamentos son de 1 y 2 dormitorios y disponen de cuarto de baño, salón con sofá cama, cocina totalmente equipada, terraza y zonas verdes. La zona de cocina está

Apartamentos Bellavista

Apartamentos en la playa

Los Apartamentos Bellavista son unos cómodos alojamientos situados en la Costa de la Luz, a sólo 300 metros de la playa de Bolonia, un paraíso virgen único. Comodidad y tranquilidad definen este alojamiento.

Dispone de 14 estupendos apartamentos de playa que cuentan con patio privado, TV y cafetera. Además tienen ventilador de techo, suelo de baldosa y zona de

Lavorare a casa, b&b cavour napoli.

#B&b #cavour #napoli

lavorare a casa

Massimo Rosa lHead Hunter

lavorare v. intr. e tr. [lat. labōrare, der. di labor -oris «fatica, lavoro»] (io lavóro, ecc.; aus. avere). – 1. intr. a. Operare, impiegando le risorse

lavorare in Vocabolario – Treccani

Vuoi iniziare a lavorare da casa seriamente? Clicca e scopri i metodi per iniziare un vero lavoro online!

Fondazione OIC Onlus Lavorare in OIC

Finalmente una seria opportunità per conciliare famiglia, lavoro e perchè no, anche carriera!

Lavorare da casa. Come crearsi un lavoro …

Cookies. Per semplificare la fruizione del nostro sito web, CASA fa uso di cookies. Continuando a navigare su questo sito, acconsenti al loro uso.

Home | CASA – Prodotti gradevoli per la …

Il telelavoro può essere inteso come un modo di lavorare indipendente dalla localizzazione geografica dellufficio o dellazienda, facilitato dalluso di strumenti

Telelavoro – Wikipedia

Versione online di un periodico cartaceo dedicato al mondo del lavoro.

RomaLavoro | Le notizie e gli annunci per …

Risorse gratuite per il miglioramento della carriera professionale, offerte da un esperto in selezione di personale.

Fitness a casa tua: gli addominali – YouTube

Lavorare è una testata giornalistica registrata che fornisce tutti gli strumenti per chi cerca e offre impiego e lavoro qualificato.

Lavorare a Londra Come trovare lavoro a …

LAVORARE DA CASA seriamente è facile se sai scegliere le aziende giuste o il telelavoro. Ecco le 30 migliori IDEE di LAVORO DA CASA senza truffe. Scoprile! | Testata Giornalistica on line

Lavorare da casa. Lavori da casa. Offerte di lavoro serio da casa. Lavori da casa online. Confezionamento. Lavori in casa. Lavoro a domicilio.


La Norvegia offre numerose possibilità per coloro che si apprestano a fare una esperienza lavorativa in questo paese. I lavori sono molto diversificati e comprendono

Progressive: Ranked One Of The Best Insurance Companies, compare insurance rates for cars.

#Compare #insurance #rates #for #cars

Get insurance for almost anything you need

The #1 Insurance Site

Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

*National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

Discount varies and is not available in all states or situations

Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

A leader in boat insurance from 2016 Millward-Brown national survey data.

No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.

Lazora, Pisos de alquiler, venta de pisos, pisos de alquiler baratos en Móstoles, pisos de alquiler baratos en Torrejón, pisos de alquiler en mostoles.

#Pisos #de #alquiler #en #mostoles


a tu nueva vida

Viviendas listas

para entrar a vivir

La emoción de tener

tu propio hogar

Tu casa ideal

al mejor precio


Te ayudamos a encontrar la vivienda que mejor se adapte a tus necesidades.


Amplia oferta de viviendas

Más de 7.000 viviendas repartidas por toda España y preparadas para entrar a vivir. Al ser propietarios no cobramos comisiones de ningún tipo . Sin sorpresas de última hora.

Nuestros expertos a tu servicio

Con más de 15 años de experiencia en el sector inmobiliario. Ponemos a tu servicio los mejores profesionales inmobiliarios para ayudarte a encontrar un piso que cubra todas tus necesidades.

La atención que te mereces

Ponemos a tu disposición un servicio de atención personalizado y cercano, donde podrás realizar cualquier tipo de consulta referente a tu piso.



Estrena tu nuevo hogar

En Lazora, estamos seguros de tener exactamente lo que necesitas.

Contamos con espacios acogedores y confortables, donde podrás descansar y sentirte, más que nunca, como en casa.

Consulta nuestro listado de pisos en venta y encuentra tu hogar ideal ¡ya!

¿Prefieres Alquilar?

Ventajas de alquilar en Lazora

La mejor calidad-precio en todas las zonas en las que estamos presentes.

Gestionamos una amplia oferta de pisos en alquiler, todos ellos en edificios de nuestra propiedad.

No cobramos comisiones de ningún tipo, sin intermediarios ni gastos extra.

Todos nuestros pisos son revisados y acondicionados , por técnicos cualificados, antes de la entrada a vivir.

Nuestros clientes pueden gestionar diversos aspectos relacionados con su piso desde el Área de Cliente Online .

Ponemos a tu disposición todo un equipo experto de profesionales que te asesorarán y ayudarán en todo momento. Desde la primera visita o la firma del contrato hasta tu estancia en el piso.

Ofrecemos un servicio de asesoramiento personalizado durante todo el proceso de compra o alquiler. Te ayudamos a gestionar todos los trámites del contrato de manera rápida y segura.

Además, contamos con un teléfono de urgencias 24 horas de atención al cliente.

¿No has encontrado la casa que imaginabas?

Nosotros la buscamos por ti

Dinos qué buscas y te propondremos una solución perfecta,

Completa el siguiente formulario, especificando tus deseos y necesidades, y nos pondremos en contacto lo antes posible.

Estaremos encantados de ayudarte.

Empresa pionera en la promoción y gestión integral de pisos. Nace en 2003 con plena vocación de servicio. Contamos con un gran número de edificios en propiedad, ubicados en zonas consolidadas, en las principales ciudades de España, donde ofrecemos venta de pisos, pisos de alquiler, y venta y alquiler de locales comerciales.

Cheap Car Insurance, Low Cost Insurance for your Car, cheap motor vehicle insurance.

#Cheap #motor #vehicle #insurance

Cheap Car Insurance

Cheap motor vehicle insurance

If you’re looking for cheap car insurance; you’ve come to the right place. Quoteline Direct has been cutting the cost of car insurance for more than 45 years, and we have got access to some great policies some of which you won’t find anywhere else.

Our online quotation system searches many of the country’s leading low cost car insurance providers and delivers our most competitive quote in a matter of minutes. You can then buy cover immediately online or talk to our team of experienced underwriters to see how much more you could save.

With Quoteline Direct you’ll save more than just time and money:

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For a quick quote visit our click here or call 0161 874 8029 to speak to one of our insurance consultants.

Quoteline Direct has access to competitive car insurance for all types of car and all types of driver, irrespective of driving history. Our personal touch makes us much more than just another comparison site, and it’s the human touch’ that helps us find the best deals. With a quick quote at the click of a mouse you’ve got nothing to lose and we think you’ll be surprised at how much you could save.

US Search Desktop: Hot (64 ideas) – Yahoo Feedback, siti per vendere macchine.

#Siti #per #vendere #macchine

US Search Desktop

We appreciate your feedback on how to improve Yahoo Search. This forum is for you to make product suggestions and provide thoughtful feedback. Were always trying to improve our products and we can use the most popular feedback to make a positive change!

If you need assistance of any kind, please visit our community support forum or find self-paced help on our help site. This forum is not monitored for any support-related issues.

The Yahoo product feedback forum now requires a valid Yahoo ID and password to participate.

You are now required to sign-in using your Yahoo email account in order to provide us with feedback and to submit votes and comments to existing ideas. If you do not have a Yahoo ID or the password to your Yahoo ID, please sign-up for a new account.

If you have a valid Yahoo ID and password, follow these steps if you would like to remove your posts, comments, votes, and/or profile from the Yahoo product feedback forum.

  • Vote for an existing idea ( )
  • or
  • Post a new idea…
  • Hot ideas
  • Top ideas
  • New ideas
  • Category
  • Status
  • My feedback

Xnxx vedios

Bring back the old layout with image search

What happened to the comparison feature on the stock charts?

Replace the comparison feature on the stock charts!!

yea: the only possibility( i think) send all infos to (

Misinformation on order DVD.

I ordered DVD / Blueray “AL.A confidential” all I got was Blue ray & a contact # for getting the DVD which didn’t work . I order My week with Marilyn ____DVD /blue ray & I got both —-so foolishly assumed the same would apply to L.A. ___ETC not so . I have no blue ray machine —– I don’t want a blue ray machine I dont want blueray movies . How do I get my dvd copy of L.A. Confidential ?

yahoo, STOP blocking email

Past several months now, Yahoo has been blocking a server which STOPS our Email.

Yahoo has been contacted by the server owner and yahoo has CLAIMED it would not block said server, YET it is still being blocked. CEASE & DESIST

I can't use English languages the yahoo mail

Please give me the suggestion about it.

Search engine in Yahoo Finance

A piece of content that is on Yahoo Finance does not actually appear in Yahoo search results when searching by headline/title of story.

Is there a reason for this, or a way to reindex?

I was trying to get help on Flickr. Why did you send me to Yahoo search help? And why can't I actually contact anybody to ask questions?

It’s easy to upload on Flickr. But you can’t get your videos back. And Flickr is so eager to have you do things you don’t want to do that it’s difficult to even download your photos.



Evans 6 car auto loader freight car. I don't want to see semi trucks, motorcycles, or motor homes or a semi naked woman. It doesn't cut it

I don’t want to see semi trucks, motorcycles, motor homes or a semi naked woman. It doesn’t cut it for what I’m looking for.

Search for "turkey ******" images without being warned of or -worse- shown adult content

Yahoo is so intent on catering to peoples’ prurient tastes that I can’t even search for images of a brand of “turkey breasts” without being warned of adult content? Just using the word “******” in ANY context means I’m likely to get human breasts splashed all over the page and have to be warned — and put through steps to avoid it?

Here’s my suggestion Yahoo:

Come up with a computer program that recognizes words like ‘cancer’ or ‘turkey’ or ‘chicken’ in a sentence that includes the word ‘******’ and doesn’t automatically assume that typing “******” means I’m looking for ***********.

Figure out a way to make people who ARE looking for *********** actively search for it themselves without assuming that the rest of us must want *********** if we type a common word – ****** – that anyone can see any day in any meat section in any supermarket in the whole **** country. 🙁

Yahoo is so intent on catering to peoples’ prurient tastes that I can’t even search for images of a brand of “turkey breasts” without being warned of adult content? Just using the word “******” in ANY context means I’m likely to get human breasts splashed all over the page and have to be warned — and put through steps to avoid it?

Here’s my suggestion Yahoo:

Come up with a computer program that recognizes words like ‘cancer’ or ‘turkey’ or ‘chicken’ in a sentence that includes the word ‘******’ and doesn’t automatically assume that typing “******” means I’m looking for… more

Why, when I log in to the YahooGroups, do all the groups come up in French?!

When i log into YahooGroups and call up a group, suddenly everything starts coming up in French? What the heck is going on there?! for some reason, the system is automatically shifting me over to Any thoughts?

fix what's broke

i shouldn’t have to agree with things I don’t agree with in order to tell you what I think- I have had no resolved issues since I started using yahoo- I was forced to dump my old messenger, change passwords, get new messenger, told to use my phone number to alert people which was my security code, receive messages daily about yahoo blocking usage attempts (by me) for who knows why as it doesn’t and now I get the new policy pop up at every turn- companies use to pay big money for the demographics the users provide for you at no cost as they don’t know that’s what you are doing- it’s in there but not spelled out well- and nobody can respond unless the agree to the policy- bad enough you stack the deck but then provide no option of dealing with it- the old was good enough- all these changes for the tide pod eatin mofos doesn’t cut it- I will reluctantly be actively looking- i’m tired of the changes at every turn and even those don’t work right- I can appreciate your business but the American businessman has been selling us to the highest bidder for far too long-I wish you well with your new crop of guppies- try doing something really constructive for those you serve- the tail is waggin the dog again- this is just like a replay of Washington d c-

i shouldn’t have to agree with things I don’t agree with in order to tell you what I think- I have had no resolved issues since I started using yahoo- I was forced to dump my old messenger, change passwords, get new messenger, told to use my phone number to alert people which was my security code, receive messages daily about yahoo blocking usage attempts (by me) for who knows why as it doesn’t and now I get the new policy pop up at every turn- companies use to pay big money for the demographics the users provide for you… more

Instant term life insurance quotes, instant term life insurance quotes.

#Instant #term #life #insurance #quotes

instant term life insurance quotes

. for you to purchase Term Life Insurance while engaged in your busy work schedule. The insurance companies quoted are some of the most highly rated and competitive in the industry.

For the first time ever, you will be able to choose a company based on all the factors that are considered by the insurance company when they underwrite a case. We show all the premiums from Preferred Plus to Standard along the same row. No longer will you be shown only one premium, only to find out later you qualified for a higher premium. The specific underwriting guideline chart for each insurance company is available for you to review. This allows you to match the lowest premium that best fits your profile based on the underwriting criteria used by the Insurance Company.

Once you decide on the Insurance company, product and amount just proceed to the Application Request form. The more information you provide here will greatly speed up the process in getting the application completed and into the insurance carrier’s hands for the start of the underwriting process.

No matter what your needs for Term Life Insurance, we welcome the opportunity to serve you.

Introduction to Term Life Insurance

Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. The premiums are guaranteed during the level pay period. When purchasing a level term life insurance policy be sure you are aware of the guaranteed premium period. Once you have been approved and placed the policy in force with the first payment, the insurance company is obligated to keep the policy in force as long as you keep paying the premiums. You are not obligated to pay, but once you stop paying, the policy will lapse after usually a 30 day grace period. Some term insurance policies can be renewed when you reach the end of the level pay period. The premium rates increase at each renewal date. Most policies require that evidence of insurability be furnished at renewal for you to qualify for the lowest available rates.

Online Medical Billing and Coding Schools, medical billing and coding online schools.

#Medical #billing #and #coding #online #schools

Online Medical Billing and Coding Schools

Obtaining formal education regarding medical billing and coding procedures is one of the more popular certifications pursued by students who want to work in the medical field but do not want to spend several years in school. A medical biller and coder handles administrative tasks for a healthcare provider or medical facility that involve submitting accurately coded insurance claims to health insurance companies in order to receive payment from the insurance company.

Medical billing and coding specialists also answer questions about claims, posts payments and remain in contact with patients and insurance companies concerning claims that have been rejected or are pending following a review of the services listed on the claim. In addition, they may also be in charge of turning unpaid accounts over to collection agencies after a certain amount of time has elapsed between the patient receiving the bill and the last payment received, if any.

Medical billing and coding online schoolsCoding a health insurance claim involves attention to accuracy, detail and the ability to determine the correct code number for the patient s injury, illness, disease and treatment rendered by the physician. Also referred to as medical classification , medical coding uses alphanumeric or numeric strings that indicate the implementation of various items by a physician that are necessary to process an insurance claim. For example, a code that reads XX990 may be the code for acute bronchitis . If the bronchitis was accompanied by a fever, the code may have an additional number or letter, such as XX99044 , meaning bronchitis with fever .

Thousands of such codes exist to describe an extensive list of medical conditions, procedures and treatment plans. However, because it would be nearly impossible to remember them all, people working as medical billing and coding specialists have access to the CPT 2012 book (Current Procedural Terminology) published by the American Medical Association. This book contains up-to-date information such as billing guidelines for various health insurance companies, hundreds of defined codes and Medicare/Medicaid rules.

Interested in Medical Billing and Coding?

Health Insurance Portability and Accountability Act

All online medical billing and coding schools will include classes about HIPAA, or the Health Insurance Portability and Accountability Act enacted in 1996. This act affects anyone who is employed in some way with the healthcare industry because it is meant to protect a patient s privacy. Contact information, medical records, birth date and even benefit entitlements are all guarded by this act, whether it is an electronic, spoken or written record of the patient s interaction with a medical facility. It is especially important to medical coders and billers because they have immediate access to such personal information and are primarily responsible for not divulging this information to anyone but the insurance company and individuals specified by the patient. Click here to learn more about HIPPA.


This video provides a complete overview on HIPPA.

Additional Courses

According to a recent survey conducted by the AAPC (American Academy of Professional Coders), respondents holding medical billing and coding positions reported that nearly 85 to 95 percent of their job consisted of coding insurance document. The remainder of their time involved billing and administrative duties. For this reason, some schools suggest that students consider enrolling in at least one or two business courses while also participating in their regular billing/coding program. Learning digital record keeping procedures using software programs such as Access, Excel and different medical office software will enhance your chances with employers searching for the most skilled and knowledgeable medical billing and coding specialists. Click here visit the AAPC website.

Online Medical Billing/Coding Programs

Medical billing and coding online schoolsPenn Foster Career Schools offers a certification in medical billing and coding that takes only six months to complete, with low tuition rates, customized payment plans or 0 percent APR financing for students on a budget. Cost of the program is $730 when paid in full and $800 to $890 when choosing a payment plan. In addition, flexible class scheduling also allows busy students the ability to extend the six month program for as long as they need to complete assignments and exams.

Penn Foster is accredited by the Commission on Secondary Schools of the Middle States Association of Colleges and Schools and the Accrediting Commission of the Distance Education and Training Council, which is a member of the Council for Higher Education Accreditation.

To be eligible for participation in an online medical billing and coding course, students need to have a high school diploma or GED (general equivalency/education diploma) and either scan or fax a copy of the document to the school s administrative office.

Certified Coding Specialist Exam

All students graduating from the Penn Foster medical billing and coding program (as well as other accredited online schools offering the program) are eligible to take the Certified Coding Specialist exam (given by the American Health Information Management Association) and the Certified Professional Coder exam (given by the American Academy of Professional Coders). Although graduates are not required to take these examinations following certification, successfully completing one or both of these tests demonstrates a person s excellent coding skills along with other administrative qualities that are attractive to potential employers.

Meditec Medical and Billing Training

Medical billing and coding online schoolsWith more than 40 years experience in medical billing and coding training, Meditec provides students with classes that involve coding nearly 650 real inpatient/outpatient charts as well as instruction in medical terminology and health insurance documentation practices. The school is state regulated and the price of tuition includes everything a student will need to successfully obtain certification in medical billing and coding procedure.

Other popular and accredited online schools offering certification in medical billing and coding include Colorado Technical University Online, Everest University Online and Kaplan Continuing Education programs.

Financial Assistance

To determine whether a student is eligible for federal financial assistance, schools recommend you fill out and submit a FAFSA (Free Application for Federal Student Aid). For those with incomes below a certain level, the federal government may provide students with Pell Grants that will pay for the cost of attending an online medical coding and billing school. Pell Grants do not need repaid and any amount left over after tuition has been paid can be used by the student to purchase books and supplies.

To successfully submit a FAFSA online, students will need to access and transmit the following information to the Department of Education:

  1. Driver s license or other picture ID card
  2. Social Security card
  3. Previous year s income tax forms (if applicable)
  4. Child support documentation
  5. Proof of any income obtained from scholarships, fellowship aid or grants

The school listed on the FAFSA in which a student plans to enroll is usually notified within six weeks of a student sending the form regarding his or her eligibility. That school will then contact the student to complete financial aid forms or discuss payment options if the student is ineligible for financial aid.

Employment Outlook for Medical Billing and Coding Opportunities

The most recent edition of the Occupational Outlook Handbook reports that as with all professions dealing with the healthcare industry, medical billing and coding jobs are expected to increase as much as 20 percent by 2018. Experienced medical records specialists have the potential to earn $50,000 annually, depending on where the position is geographically located and type of medical facility.

Busy urban area hospitals and clinics will pay more for expert medical billers and coders than smaller emergency care establishments located in rural areas. However, the Bureau of Labor Statistics indicates that this type of employment is one of the more stable occupations available and has continued to project a high demand for certified billers and coders over the past decade.

Individual Personal Term, Whole and Mortgage Life Insurance – Cambridge Insurance, Lexington Kentucky, kentucky term life insurance.

#Kentucky #term #life #insurance

Individual Life Insurance

Kentucky term life insurance

Deciding on the right Kentucky Individual Life Insurance policy usually depends on your future goals. Whether you wish to provide a tax free income for your beneficiaries, have funds for the payment of the final expenses or estate taxes, replace the income that is lost if you die, or provide a significant charitable contribution, we can help you chose the policy that will fit your needs at an affordable price.

Individual Life Insurance can be important for:

  1. A source of savings – If not paid out by death benefit, some types of life insurance can have a cash value.
  2. Final expenses – using life insurance to pay for funeral and burial expenses.
  3. Income for dependents – a life policy can provide much needed income for your dependents when you die. Many times this is used for children, but can also be used for a partner that has a loss of income.
  4. Inheritance – using a life insurance policy as a inheritance even if you don’t have substantial assets to pass on to your beneficiaries.
  5. Used to pay taxes
  6. Making a charitable contribution

Life Insurance options in Lexington, Kentucky

Generally age and health are the most important factor in the premium you will pay. Although you can purchase a policy at any age, the younger you are the more affordable the policies will be.

All life insurance policies are designed to pay a benefit when someone dies. The two most common types of life insurance are Term and Whole (or Permanent) policies.

Term Insurance is usually the most affordable type of coverage. The term of the policy usually lasts between 1 and 30 years and pays only if a death occurs during the policy term. Most term policies have no other benefit provisions. Term policies can be level term which means the death benefit will remain the same throughout the duration of the policy, or they can be decreasing term which mean the death benefit drops over the course of the policy’s term. When the policy term ends, you may or may not qualify for new coverage based on your health, and based on your age, the cost of the premium may be too high to be affordable.

The advantage of Whole or Permanent Insurance is the death benefit and premium will usually remain the same during the duration of the policy. These policies can also build cash value which may be withdrawn or loaned similar to a savings account.

The 3 types of Kentucky whole life insurance are traditional whole life, universal life, and variable universal life, and there are variations within each type.

Our agents at Cambridge Insurance can guide you through the different types of Kentucky life insurance policies available and help you chose the policy that will best fulfill your unique needs and goals.

Cheapest Car Insurance Quotes in St Paul, MN, cheap car insurance in minnesota.

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Cheap car insurance in minnesota

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*rates based on survey data – Spring 2017

Cheap Comparison Quotes Free and Customized

Cheap Car Insurance in St Paul, Minnesota

Looking to know more about St. Paul and ways to obtain cheap car insurance? Well, home to an estimated 301,000, the capital of Minnesota is the state’s largest city, second only to its twin city of Minneapolis, which it adjoins. Mostly on the east bank of the Mississippi River, St. Paul and Minneapolis form the 16th largest metro area in the U.S., home to about 3.52 million residents.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in St. Paul, MN. Get your free auto insurance quote today!

Driving conditions in St. Paul

According to the U.S. Census Bureau’s 2014 American Community Survey, the Minneapolis-St. Paul metro has an average commute time of 23.6 minutes, compared to an average commute time for the 50 largest U.S. metros of 27.2 minutes. Real-time traffic data, cameras and incident information is available from the Minnesota Department of Transportation by visiting or by calling 511 from within the state.

Unique laws in St. Paul

In Minnesota, drivers are required to clear their car windows of snow before driving.

Unlike some states, Minnesota has no laws against riding in the back of a truck or tow camper, though some cities may have ordinances against this, as it is considered unsafe.

St. Paul crime statistics

Within the city, there were a total of 1,748 motor vehicle thefts in 2015, down from 2,008 the year prior, according to the St. Paul Police Department. The National Insurance Crime Bureau reports the auto theft rate in the Minneapolis-St. Paul-Bloomington metro area for 2015 was 187 incidents per 100,000 people, compared to the national average of 220.2 incidents per 100,000 people.

Local police advise that many times, cars thought to be stolen have been towed for parking violations. The impound lot can be reached at 651-292-6005.

A crime map detailing various types of crimes can be accessed at

St. Paul safety requirements

Minnesota law dictates driver and passengers must wear seat belts, and children under 4 must ride in a car safety seat. A child between 4 and 8 years old must use a booster seat unless he or she is 4 feet, 9 inches tall. According to Minnesota’s Office of Traffic Safety, it is illegal for a driver to write, read or send texts or emails or access the internet while his car is moving or part of traffic, including while stopped in traffic or at a traffic light. Cellphone use is banned outright for bus drivers and teen-aged drivers with a provisional license.

St. Paul impaired driving laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving while intoxicated, according to the Minnesota Department of Public Safety. This is lowered to .04 for commercial drivers. First offenders face 90 days in jail and/or a $1,000 fine and revocation of driving privileges for 90 days. First-time DWI offenders with a .16 BAC or above and second-time DWI offenders are required to have in ignition interlock or surrender driving privileges for one to two years.

Cheap car insurance in minnesota

To Get Free St Paul Car Insurance Quotes, Either:

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Car Insurance St Paul, Minnesota Agents

Chad Babcock – State Farm Insurance Agent

Chad Babcock Serving st paul with great rates on car insurance, truck insurance, motorcycle insurance, commercial auto insurance and more!

What makes your specific agency stand out from your competition? Offering auto insurance in st paul. We offer excellent customer service and great rates on all lines of auto insurance. Call us, click our site, or stop in our office for a free rate quote. We look forward to serving you!

Discount and Special Program offered Multi-line Discount

2015 Hillcrest Avenue

St Paul, MN 55116

Pendleton Agency, Llc

Edward Pendleton Auto, home, business insurance

1549 Livingston Ave Ste 106 West St Paul, Mn

St Paul, MN 55118

Schickling & Associates, Inc.

Lee Schickling **mn and wi liciensed** *we are an independent insurance agency that handles all lines (personal & commercial) of insurance products with multiple companies. *we will help you design your insurance needs to fit you. home / auto life / health busines

539 Bielenberg Dr – Ste 114 Woodbury, Mn 55125

St Paul, MN 55125

Jody Baber

St Paul, MN 55106

I purchased a mobile home a while back, and asked my agent Jody Bader if she could write up a policy for it. I have several current policies with her (cars, boat, household, snowmobile) and figured we could just add another. My mobile home is located at a resort on Mille Lacs.

I did not choose her as my agent, she was given all my accounts when my original agent, Jerry Ballot retired in 2006.

I currently live in Eastside St Paul and was driving home up Arcade St by the Lake Phalen Golf Course when I noticed a State Farm sign at Josephine’s Interiors buikding. I decided to stop in to the Jody Baber agency the other day to check out my current auto rates with Progressive to what State Farm had to offer. I was pleasantly surprised to be surrounded by a staff full of knowledge. This was a huge change from always getting a different person on the phone that never seemed to know my situation. While I was there the agent I was working with named Dan offered to complete a full insurance review. The process only took about 45 minutes and was probably the best 45 mins I have spent in a long time. If you are like me I had no clue what all the insurance I currently had even meant to me. By the end of the whole thing I learned State Farm had a bank, offered life insurance, and can handle all of my auto and home insurance all in the same office. I walked away with not only a better understanding of the industry, but he was also able to shave off 2 years on my auto loan, set me up with a comprehensive health insurance plan, lowered my auto premium by 40%, started a 50k life insurance policy, and included a renters insurance policy I needed but couldnt afford. This place is awesome! He did all this for less than what I was paying before except with 5 times the insurance I had previously. I kick myself now for not doing this sooner. What gets me is how long I must have been over paying at Progressive, uuurrrgggghh. I would definately reccomend this agency to any of my friends and family. Thank you Dan, and all the wonderful staff at Jody’s office in St Paul. This has to be the Eastside’s number one insurance agency!

Französisch Deutsch Übersetzung, übersetzung deutsch französisch.

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Französisch Deutsch Übersetzung

Babylon NG

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Wenn Sie einen Online-Übersetzer Französisch to Deutsch brauchen, dann haben Sie gerade den besten Französisch to Deutsch Übersetzer gefunden, und der ist auch noch kostenlos! Babylon, der Weltmarktführer im Bereich Sprachlösungen, stellt Ihnen einen automatischen Übersetzer für Sofortübersetzungen Französisch to Deutsch einzelner Wörter und Sätze zur Verfügung. Übersetzen Sie Dokumente und E-Mails von Französisch to Deutsch. Suchen Sie Millionen von Französisch to Deutsch Begriffen in der Datenbank der Babylon Software, die aus über 1.700 Wörterbüchern, Glossaren, Thesauri, Enzyklopädien und Lexika besteht, welche diverse Themen abdecken; all das in über 77 Sprachen.

Mit mehr als 19-jähriger Erfahrung deckt die Babylon Software Ihren Bedarf an Französisch nach Deutsch Wörterbüchern, Thesauri und Lexika und bietet kostenlose Übersetzungsdienste Französisch nach Deutsch . Sie ist eine der beliebtesten Desktop-Übersetzungs-Softwares und erhielt einen Eintrag im Guinness-Buch der Rekorde als Übersetzungs-Software mit den meisten Downloads. Auf dieser Website gibt es kostenlose Französisch nach Deutsch Übersetzungen mit All-Inclusive-Service! Sie können ganze Sätze und einzelne Wörter von Französisch nach Deutsch übersetzen, Französisch nach Deutsch Synonyme und Antonyme finden und von so gut wie jeder Sprache in jede andere übersetzen. Babylon zählt weltweit Millionen von Nutzern. Extrem viele zufriedene Kunden benutzen die kostenlose Französisch nach Deutsch Übersetzung. Nutzer mit den verschiedensten Hintergründen übersetzen und rufen Informationen ab Französisch nach Deutsch, indem sie einfach unter Verwendung der Babylon Software auf irgendein Dokument auf ihrem Computer klicken. Millionen wählten Babylon zum bequemsten und benutzerfreundlichsten Französisch nach Deutsch Übersetzungs-Tool, das aktuell auf dem Markt verfügbar ist. n Französisch nach Deutsch Übersetzungs-Tool, das aktuell auf dem Markt verfügbar ist.

Get Cheap Car Insurance in California with Titan Insurance, auto insurance in ca.

#Auto #insurance #in #ca

California Car Insurance

To the extent financial responsibility laws require, it is the law to have car insurance in California, but that doesn’t mean it has to be expensive. Titan Insurance provides affordable auto insurance to California drivers, even high-risk drivers, because we know that drivers are more than their driving record. We have a variety of flexible California auto insurance options and policy discounts available, all of which are designed to protect drivers from the unexpected and save them money.

About California auto insurance

Car insurance is required in California, but not all drivers need to carry all types of insurance coverage. California only requires drivers to carry auto liability insurance. This is important for drivers who want to keep their car insurance in California affordable.

Although liability insurance is generally the only California car insurance requirement, there are plenty of additional coverage options that make sense to consider. Additional coverage provides additional protection, which can protect a driver financially in the event of an accident. Popular coverages include:

Protection from uninsured drivers

Finding a low cost car insurance policy in California used to be so difficult that the state implemented the Low Cost Automobile Insurance Program (CLCA). This program provides cheap car insurance to California drivers who meet certain income requirements. This is good news for all drivers. Drivers who couldn’t afford car insurance in California now have another low-cost car insurance option while drivers who do carry insurance are better protected from uninsured motorists.

Nonetheless, uninsured/underinsured motorist risk exists, and Titan offers coverage to provide protection when an at-fault party has no or insufficient liability coverage.

Save money with Titan

Titan is always looking for ways to save our California customers money. One way we do this is by offering a Collision Damage Waiver. When you have purchased Collision coverage and elected this waiver, this waiver pays the collision deductible on the insured motor vehicle when a loss is caused by an uninsured motorist.

Another way to save money with Titan is through our many discount offers.

Titan’s California vehicle services

At Titan we understand that time is money. That’s why we offer DMV services in some of our California auto insurance offices. Drivers can save time by visiting a local Titan office for routine DMV services such as:

  • Registration renewals
  • Vehicle Titling
  • License Plate renewals

The majority of Titan offices in California offer DMV services. Call your local office today about DMV services.

Contact a Titan representative

Learn more about our California auto insurance coverage:

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Titan-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Seguro de Coche Barato, Seguros Broker, seguros automovil baratos.

#Seguros #automovil #baratos

Compara y contrata online tu seguro de automуvil

El mejor seguro de autos

  • En te ayudamos a encontrar tu seguro de auto en sуlo 2 minutos.
  • Los mejores precios del mercado y las mejores coberturas de seguros de auto para tu automуvil.
  • Te resolvemos todas tus dudas. Ademбs puedes contratar tu seguro de automуvil online o por telйfono.

Con las mejores compaснas

Cуmo calcular tu seguro de automуvil

Calcular tu seguro de auto en es muy fбcil y rбpido. Sуlo tienes que rellenar un pequeсo formulario y en menos de 2 minutos, tendrбs precio para tu seguro de automуvil con la opciуn de comparar precios y coberturas que te ofrecen diferentes compaснas.

Ademбs si tienes dudas, te ayudaremos a decidir y elegir el seguro que cubre tus necesidades. En puedes contratar tu seguro de auto desde nuestra pбgina web o por telйfono.

їQuй tener en cuenta antes de contratar un seguro de automуvil?

La ley establece que todos los vehнculos a motor han de estar asegurados a pesar de que no usemos nuestro auto y estй parado en el garaje.

El uso que le demos a nuestro automуvil serб determinante en el tipo de seguro que necesitamos. Existen diferentes modalidades de seguro de automуvil que pueden cubrir nuestra demanda.

Un seguro por dнas para tu auto serб una buena opciуn en caso de necesitar un seguro para determinados dнas por diversos motivos, pero no como opciуn de seguro elegido ya que puede salir mбs caro a la larga.

Ademбs del uso que le das a tu automуvil, antes de contratar un seguro de auto es importante tener en cuenta si duerme o no en garaje, si recorres muchos kilуmetros (y por tanto valorar una asistencia en carretera desde km 0), y otros aspectos como el valor venal y valor de nuevo que te ofrece tu compaснa, aspecto que puede variar de una a otra.

  • El valor venal es el valor del vehнculo en el momento del siniestro. Es el valor de venta de un coche de las mismas caracterнsticas de modelo, antigьedad y extras (si los tuviera). Este valor es diferente al valor de compra.
  • El valor de nuevo, responde al importe con el que la compaснa nos indemnizarб en caso de siniestro. Es el valor que tiene el vehнculo nuevo con las mismas caracterнsticas y extras.

Opiniуn de nuestros clientes

“No sй que tipo de seguro de coche necesito, pero un agente me aconsejу para contratar mi seguro con las coberturas adecuadas.”

Otros productos

Ayuda a tus amigos a encontrar un mejor seguro

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Elige el seguro de coche que mejor se adapta a tus necesidades comparando precios y coberturas

Un seguro para moto que te protege a ti y a tu vehнculo, con las coberturas que necesitas

Con tu seguro de hogar, tu vivienda y tus pertenencias estarбn aseguradas. Lo mбs importante desde muy poco.

Las mejores soluciones para encontrar tu seguro de salud y el de tu familia

Para uno de los momentos mбs difнciles, seguro de decesos con las mejores coberturas

Seguros de vehнculos

Seguros por dнas

Un seguro por dнas es la mejor soluciуn cuando necesitas asegurar tu automуvil por un tiempo limitado antes de contratar tu seguro anual. Consulta todas nuestras opciones.

Seguros de motos

Asegurar tu moto es muy fбcil con las opciones que te brindamos en En nuestra pбgina podrбs encontrar toda la informaciуn de interйs para tu seguro de moto y cуmo contratarlo.

Seguro de conductor altamente protegido

Es un Seguro de Accidentes que cubre al conductor del automуvil aun habiendo sido el responsable del accidente. Este seguro garantiza al asegurado declarado en la pуliza mientras conduzca cualquier vehнculo.

Preguntas relacionadas

Quй es lo mбs importante para comparar seguros de auto

Conductor ocasional

Valor venal

Valor de nuevo

Diferencias entre un seguro de automуvil y un seguro por dнas

Un seguro de automуvil y un seguro por dнas, son muy similares. La principal diferencia es la duraciуn del seguro.

Con un seguro de automуvil, aseguramos nuestro vehнculo por un periodo de duraciуn de un aсo, mientras que con un seguro por dнas es para un periodo comprendido de 1 a 28 dнas.

Un seguro por dнas es muy ъtil para situaciones temporales, tales como que te hayan prestado un automуvil para unos dнas, que lo hayas comprado fuera de Espaсa y lo necesites para su traslado, una soluciуn temporal mientras contratas tu seguro de automуvil anual, …

Un seguro por dнas, a la larga, puede resultar mбs caro que un seguro de automуvil pero es una soluciуn perfecta para determinadas situaciones.

Aquн puedes ampliar mбs la informaciуn acerca de los seguros por dнas para automуvil.

Modalidades de seguro de automуvil

Si eres propietario de un automуvil estбs obligado a contratar y a mantener en vigor una pуliza de seguro que garantice la Responsabilidad Civil del conductor por los daсos que ocasione a otras personas o a bienes de terceros.

Cuando comparas precio de seguro de automуvil, puedes elegir entre las diferentes modalidades que ofrecen las compaснas de seguros y que se adaptaran a tus necesidades:

  • Terceros: Es el seguro mбs bбsico y mнnimo que podemos contratar. Esta modalidad incluye la Responsabilidad Civil Obligatoria ademбs de Responsabilidad Civil Voluntaria, Protecciуn Jurнdica del Automovilista, Seguro de Accidentes, Asistencia en Viaje, Recursos de Multas y Servicio de Consultorнa sobre el Automуvil
  • Terceros Ampliado: la modalidad de terceros ampliado mбs completa incluye las coberturas de robo, incendio y lunas, ademбs de las incluidas en la modalidad de seguro de automуvil a terceros
  • Todo Riesgo: un seguro de automуvil a todo riesgo, es la opciуn mбs completa, ademбs de contar con todas las coberturas que incluye la modalidad de terceros ampliado, cuenta con la cobertura de daсos propios. Esta modalidad es recomendada cuando nuestro automуvil es nuevo o hacemos un gran uso de йl.

їQuй influye en el precio de un seguro para automуvil?

Hay diversos factores que influirбn en el precio de nuestro seguro de automуvil y es importante tenerlos en cuenta antes de comparar. Esto nos ayudarб a comprender mejor los precios ofertados por las compaснas de seguros y a encontrar los que se ajustan a nuestras necesidades.

  • Tipo de pуliza: El tipo o modalidad de pуliza que contratemos influirб directamente en el precio. No pagaremos lo mismo por un seguro a terceros que por un todo riesgo.
  • Tipo de automуvil: El objeto asegurado es fundamental en el precio. La marca del auto, modelo, cilindrada del motor o el tipo de combustible influirбn en el precio final. El valor del automуvil y su potencia son decisivos.
  • Compaснa de seguros: la filosofнa, criterios, modelo de compaснa, pueden influir directamente en los precios de seguro de automуvil de cada compaснa.
  • Perfil de conductor: la edad, antigьedad del carnй de conducir, estado civil, … son aspectos que pueden condicionar el precio de nuestro seguro automуvil ademбs de otros factores como aparcar el coche en garaje, la localidad de residencia o los siniestros en los que nos hayamos visto involucrados.

Mбs informaciуn acerca del seguro para automуviles

Solicitar carta verde

Cuбndo no cubre un Seguro de automуvil

Cуmo asegurar jуvenes conductores

Cуmo influye la siniestralidad

Coberturas para pуlizas de automуvil

їPor quй contratar tu seguro de automуvil con

En nos avala un gran equipo de asesores que te ayudarбn a encontrar el seguro para tu automуvil que mejor cubre tus necesidades.

Segurosbroker nace en el aсo 2.000 siendo la primera corredurнa online de Espaсa, Desde entonces no ha dejado de innovar y en la actualidad cuenta con un amplio abanico de productos aseguradores contratables 100% online, ademбs de mъltiples herramientas online para encontrar el mejor programa de seguros para el usuario asн como la posibilidad de gestionar de forma digital sus pуlizas desde un бrea personal. Cuenta con presencia en Espaсa y Mйxico y reconocidos galardones como el premio a la mejor corredurнa online del decenio, otorgado por Capgemini.

Seguro de Auto, Carro, Automovil Tampa, seguros auto baratos.

#Seguros #auto #baratos

Seguro de Auto

Bienvenidos a Seguro de Autos en Tampa. Estamos muy a gusto que nos visites y queremos que tu experiencia sea los más fructífera posible. En Tampa, Fl somos la opción principal para comprar tu seguro de auto. Nuestra labor la concentramos en trabajar con las aseguradoras de más prestigio en el mercado de los seguros para garantizarte de que estas ahorrando dinero y de que recibes los mejores precios y la mejor atención.

No importa tu situación, el vehículo que conduzcas o tu historial de manejo con nosotros Seguro de Automóviles en Tampa; siempre tendrás una solución al alcance de tu presupuesto. Tenemos intenciones de que recibas la mejor alternativa por tu dinero; por lo cual inmediatamente que nos contactes pondremos a tu disposición un agente de seguros, el cual te asesorara y te ayudará hasta el final del proceso, aplicando para tu seguro de automóvil.

¿Por qué debes comprar un Seguro para Auto en Tampa con nosotros?

Nuestras tarifas de Seguros para Autos en Tampa, son accesibles a cualquier bolsillo. nosotros estamos asociados a más de 10 agencias de seguros, con cerca de 60 agentes dispuestos a que tu experiencia sea fácil y rápida. Lo mejor de todo es que el proceso de obtener una cotización es completamente gratis.

Entrando a nuestro website y solicitando una cuota, no supone compromiso alguno de compra. Haremos todo lo que esté a nuestro alcance para satisfacer tus necesidades y que te ahorres dinero, si no logramos convencerte nuestra tarea no estaría completada. Para ello nuestro website dispone de las principales compañías y proveedores de seguros en USA, por lo cual las opciones de búsqueda y comparación de cuotas está garantizada. Queremos estar seguros de que ahorrarás tanto dinero como sea posible, basado en tus características y la de tu vehículo. Por lo cual al acceder al formulario de comparación de tarifas o llamarnos por teléfono, te brindaremos la atención que tu mereces.

¿Cuáles son los pasos para obtener Seguro de Auto en Tampa?

Nuestro sitio web está perfectamente preparado para que recibas las diferentes tarifas de seguros de auto en Tampa, Fl, de una manera sencilla y rápida. Al instante que colocas tus datos en el comparador de presupuestos vas a ser atendido. Se te va a asignar Un Agente o Broker de seguros quien te asesorará de forma única y personal para que estés completamente satisfecho. Otra opción es llamarnos por teléfono y de igual manera te atenderemos. Nuestras Agencias en Tampa Fl, trabajan con más de 13 aseguradoras diferentes, por consiguiente es relativamente fácil obtener esa cuota de seguros que necesitas.

¿De qué depende la cuota de Seguro de Carro más Barata en Tampa?

Las cuotas o tarifas de seguros de carro o automóvil más baratas, dependen de tus condiciones o características personales, las de tu vehículo, la zona de residencia y la aseguradora que escojas, fundamentalmente. Desglosando en parte los factores de los cuales depende esa cuota barata están: las características del carro a asegurar, la marca, el modelo, la cantidad de millas, el recorrido diario, la utilización si es para trabajo o personal, el año de fabricado etc.

Por otro lado cada persona es diferente en edad, record e historial de manejo, accidentes o incidencias de manejo y otros factores. La zona de residencia, el código postal también es importante para poder cotizar, la cual marca las cuotas a pagar. El tipo de seguro, el tipo de póliza, la cobertura, beneficios, precios, deducibles, exclusiones etc.

Por lo cual todos los seguros de auto, información, de todas las las pólizas de seguros en Tampa fl son diferentes. También dependiendo de la compañía aseguradora cambian los precios. Las aseguradoras tienen diferentes pólizas y planes, éstas mediante nuestros agentes aprobados, te pueden ofertar el seguro que mejor se adapta a tus finanzas, dependiendo de las características anteriores, por supuesto.

¿Cómo puedo elegir la mejor aseguradora de autos en Tampa?

En el proceso de búsqueda y aplicación para un seguro de auto en Tampa, es cardinal saber decidirse por la aseguradora correcta. El Broker de seguros y las agencias asociadas tienen toda la información detallada que tú precisas, trabajan con diferentes compañías precisamente para asesorarte de la mejor manera. No dejes de concederle importancia al hecho de que el seguro de automóvil es la seguridad que precisas en caso de accidentes o de determinados eventos que ocurran y debes estar protegido para que en caso de accidentes la empresa aseguradora te responda como es debido.

No puede ser imprescindible para ti solo en el precio del seguro a cotizar. En oportunidades por ahorrarte unos dólares llevas a cabo decisiones que se te pueden convertir en un verdadero dilema en caso de necesitar reclamarle a la compañía. Estamos prestos a ayudarte en toda la información precisa sobre Seguro de Autos en Tampa ,

No vas a estar solo en este proceso, nuestra atención es física y personal no queremos que tomes decisiones de aplicar por Internet sin tener el conocimiento requerido. Te patentizamos que un seguro de auto en Español en Tampa (gratis y en no más de 2 minutos uno de nuestros profesionales te puede ayudar) somos la alternativa número 1.

¡Seguro con Información en Español y a la vez Asegurado!

Sollzinsbindung ?>


  • Zuletzt aktualisiert: 15. März 2016
  • Von: Martin Berg
  • Eine lange Zinsbindung bei Immobiliendarlehen schützt vor steigenden Zinsen.
  • Bauherren dürfen ihre Baufinanzierung nach zehn Jahren zurückzahlen oder umschulden, auch wenn die Zinsen für einen längeren Zeitraum festgelegt sind.
  • Wollen sie den Kreditvertrag früher kündigen, müssen Darlehensnehmer eine Vorfälligkeitsentschädigung zahlen.

Unser Tipp: Bleiben Sie zum Thema Baufinanzierung immer auf dem Laufenden – mit unserem kostenlosen Newsletter!

In Deutschland ist es bei der Baufinanzierung üblich, den Zinssatz für den Hauskredit für einen Zeitraum von zehn Jahren und mehr festzulegen. Die Dauer dieser Zinsfestschreibung wird auch Zinsbindung oder Zinsbindungsfrist genannt.

Die Vorteile einer langen Zinsbindung liegen auf der Hand: Kreditnehmer können sich gegen steigende Zinsen absichern und so ihre Baufinanzierung langfristig sicher planen. Das einzige Risiko besteht nach Ablauf der vereinbarten Zinsbindungsfrist: Dann müssen sich Eigenheimbesitzer um eine Anschlussfinanzierung mit neuem Zins kümmern – es sei denn, sie können den Kredit bereits vollständig zurückzahlen. Das ist in der Regel die beste Geldanlage, wenn sie freies Vermögen besitzen

Unser Tipp: Bleiben Sie zum Thema Baufinanzierung immer auf dem Laufenden – mit unserem kostenlosen Newsletter!

Langfristiger Kredit nach zehn Jahren ohne Extra-Kosten kündbar

Eine lange Zinsbindung gibt Sicherheit, doch wer vorzeitig aus seiner Baufinanzierung aussteigen muss oder will, steht oft vor einem Problem. Denn kündigen lässt sich ein laufendes Immobiliendarlehen nur unter bestimmten Voraussetzungen. Grundsätzlich gilt: Kreditnehmer haben das Recht, ein Immobiliendarlehen nach zehn Jahren mit einer Frist von sechs Monaten ganz oder teilweise zurückzuzahlen (§ 489 Abs. 1 Nr. 2 BGB).

Vorzeitige Kündigung nur aus besonderem Anlass

Neben dem gesetzlichen Kündigungsrecht steht Ihnen auch ein Sonderkündigungsrecht zu, wenn Sie die Immobilie verkaufen oder den Kredit ausweiten müssen, die Bank aber eine Erweiterung des Darlehens ablehnt und damit eine wirtschaftliche Nutzung der Immobilie verhindert (§ 490 Abs. 2 BGB).

Der Bundesgerichtshof hat entschieden, dass bei einem Verkauf aus besonderen privaten Gründen wie Ehescheidung, Krankheit, Arbeitslosigkeit, Überschuldung oder ein Umzug für die Kündigung eines Hypothekendarlehens, der Darlehensnehmer kündigen kann. Auch wenn sich eine günstige Gelegenheit bietet, die Immobilie zu verkaufen, darf der Kredit gekündigt werden.

Allerdings kann das Geldinstitut in diesen Fällen eine Vorfälligkeitsentschädigung verlangen. Sie soll einen Ausgleich für die Zinsen schaffen, die der Bank durch die vorzeitige Kündigung entgehen. Wie hoch die Vorfälligkeitsentschädigung ausfällt, ist abhängig von der Restlaufzeit des Darlehens, dem ursprünglich vereinbarten Zins und dem aktuellen Zinsniveau.

Unsere Empfehlung: Eine lange Zinsbindung

Gerade beim derzeit niedrigen Zinsniveau bietet es sich an, günstige Konditionen für einen langen Zeitraum festschreiben zu lassen. Wenn der Zinsaufschlag zwischen einem Baudarlehen mit einer Laufzeit von 10 Jahren und einem mit einer Laufzeit von 15 oder sogar 20 Jahren nicht sehr hoch ist, raten wir Ihnen, eine möglichst lange Zinsbindung zu vereinbaren. Damit sind Sie gegen steigende Zinsen geschützt, können aber nach Ablauf von 10 Jahren jederzeit das Darlehen umschulden oder zurückzahlen.

Weitere Informationen und Tipps finden Sie in unseren Ratgebern zur Baufinanzierung und Anschlussfinanzierung. Und falls Sie schon ein Darlehen haben und die Zinsbindung erst in einigen Jahren ausläuft, können Sie über eine vorgezogene Anschlussfinanzierung durch ein Forward-Darlehen nachdenken.

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Esenzione pagamento farmaci fascia C – Malattie rare, Uildm Udine, esenzione ticket farmaci per patologia.

#Esenzione #ticket #farmaci #per #patologia

Uildm Udine

I pazienti affetti da malattie rare possono ottenere l’esenzione dal pagamento dei medicinali di fascia C (quelli normalmente a completo carico del paziente) e dei medicinali “off label” * (i medicinali utilizzati per patologie diverse da quelle per le quali ne è autorizzato l’uso o con modalità e dosaggi diversi da quelli normalmente prescritti).

Le modalità per ottenere l’esenzione dal pagamento dei farmaci di fascia C o l’autorizzazione all’uso gratuito dei farmaci “off label” sono definite dalla Regioni.

In Friuli Venezia Giulia tali regole sono state definite con la Delibera della Giunta regionale n. 1590 del 6 agosto 2008 recante “Regolamentazione dei percorsi prescrittivi per l’erogazione a carico del SSR di medicinali utilizzati al di fuori delle indicazioni terapeutiche autorizzate e di trattamenti farmacologici a favore di pazienti affetti da patologie rare”, in particolare nell’Allegato B “Prescrizione, impiego ed erogazione di farmaci offlabel e di fascia C per soggetti affetti da patologia rara”.

2. Bisogna rivolgersi a uno dei presidi accreditati dalla Regione come centro di riferimento per la malattia rara da cui si è affetti.

3. Un medico del centro di riferimento deve certificare che l’uso del medicinale di fascia C o l’utilizzo “off label” di un medicinale è “indispensabile” e che in assenza di tale intervento “ci potrebbe essere pericolo di vita per il paziente o un aggravamento dello stato di malattia”.

4. Nel caso di impiego di farmaci “off label” c’è comunque la “necessità almeno di dati favorevoli di sperimentazioni cliniche di fase seconda attestanti l’efficacia del trattamento”, “per casi di natura dubbia o che necessitino di ulteriori approfondimenti il Centro di Coordinamento della Rete Regionale per le Malattie Rare potrà fornire supporto scientifico ai presidi accreditati, per una valutazione conclusiva”.

5. L’erogazione di farmaci di fascia C o per indicazioni off-label in regime di ricovero, day-hospital o prestazione ambulatoriale rimane a carico della azienda sanitaria che genera la prescrizione. Per quanto riguarda invece i trattamenti che possono essere effettuati al domicilio del paziente nel caso in cui l’accesso al centro prescrittore avvenga esclusivamente per il ritiro del farmaco, l’erogazione sarà effettuata direttamente dall’Azienda per i Servizi Sanitari di residenza del paziente.

6. Il medico prescrittore è responsabile a tutti gli effetti del trattamento e dovrà garantire un monitoraggio del paziente, per quanto concerne efficacia e tollerabilità del trattamento stesso. Dovrà essere garantita un’opportuna informazione del trattamento in atto anche al medico curante.

Per uso off-label di farmaci si intende correntemente l’impiego di farmaci non conforme a quanto previsto in scheda tecnica autorizzata dal Ministero della Salute e, quindi, una prescrizione di farmaci per indicazioni, modalità di somministrazione e dosaggi differenti da quelli indicati nel foglio illustrativo. Si tratta di molecole ampiamente conosciute, ma per le quali nuove evidenze scientifiche suggeriscono un loro razionale uso anche in situazioni cliniche non previste nella scheda tecnica e nel foglietto illustrativo di farmaci, autorizzati allimmissione in commercio dal Ministero della Salute o dallEmea.


Regolamentazione dei percorsi prescrittivi per l’erogazione a carico del Ssr di medicinali utilizzati al di fuori delle indicazioni terapeutiche autorizzate e di trattamenti farmacologici a favore di pazienti affetti da patologie rare.

Prescrizione, impiego ed erogazione di farmaci off label

Prescrizione, impiego ed erogazione di farmaci off label e di fascia C per soggetti affetti da patologia rara.

Modifiche alla DGR 1590/2008 in materia di uso dei medicinali off label.

Codice fiscale 80007580303 – Conto corrente postale n. 12763330

Calculatoare de transformare a temperaturii pentru unități metrice și imperiale, umrechnung kelvin grad.

#Umrechnung #kelvin #grad

Convertor de temperatură

Utilizați caseta de căutare pentru a găsi convertorul metric necesar


Deși inițial a fost definit de punctul de îngheț al apei (și mai târziu prin topirea gheții), scara de grade Celsius este considerată acum din punct de vedere oficial o scară derivată, definită în relaţie cu scara de temperatură Kelvin.Deși inițial a fost definit de punctul de îngheț al apei (și mai târziu prin topirea gheții), scara de grade Celsius este considerată acum din punct de vedere oficial o scară derivată, definită în relaţie cu scara de temperatură Kelvin.

Zero pe scala Celsius sau grade Celsius (0 ° C) este definit ca echivalentul a 273,15 K, cu o diferență de temperatură de 1°C, echivalent cu o diferență de 1K, adică mărimea unității în fiecare scală este aceeași. Aceasta înseamnă că 100°C, definit ca punctul de fierbere al apei este definit ca echivalentul a 373,15 K.

Scala Celsius este un sistem de intervale nu un sistem de proporții, ceea ce înseamnă că ur


Fahrenheit este o scală de temperatură termodinamică, în care punctul de îngheț al apei este de 32 grade Fahrenheit (°F) şi punctul de fierbere la 212°F (la o presiune atmosferică normală). Acest lucru situează punctele de fierbere și de congelare ale apei la o diferenţă de exact 180 de grade. Prin urmare, un grad în scala Fahrenheit este de 1/180 din intervalul dintre punctul de congelare și punctul de fierbere a apei. Zero absolut este definit ca -459.67°F.

O diferență de temperatură de 1°F este echivalentă cu o diferență de temperatură de 0,556°C.


Pe baza definițiilor din scala Celsius și a experimentelor zero absolut este -273.15°C.

Acest site este deținut și întreținut de Wight Hat Ltd. © 2003-2017 .

Termenii și Condițiile complete pot fi găsite la click aici.

Chiar dacă s-au făcut eforturi pentru a asigura exactitatea calculatoarelor metrice și grafice oferite pe acest site, nu putem oferi garanții nici nu putem să ne facem responsabili pentru eventualele erori care au fost făcute. În cazul în care găsiţi vreo eroare pe acest site, v-am fi recunoscători dacă ați putea să ne anunțați folosind link-ul de contact din partea de sus a paginii și ne vom strădui să corectăm această eroare cât mai curând posibil.

Această pagină a fost actualizată:: J 28 Sept 2017

Umrechnung kelvin grad

Cómo hacer un escrito dirigido a la Administración, como redactar una reclamacion por escrito.

#Como #redactar #una #reclamacion #por #escrito

Cómo hacer un escrito dirigido a la Administración

Como redactar una reclamacion por escrito

¿Quién no ha tenido que presentar un escrito ante el Ayuntamiento, ante Tráfico, ante Hacienda, o cualquier otra administración, y cuando ha tenido delante el papel no ha sabido qué poner, o cómo ponerlo?. En definitiva, ¿quién no se ha preguntado cómo se hace un escrito para la Administración, cómo realizarlo, dónde y cómo poner los datos?. Hemos ido a Internet, aunque sea con el smartphone con conexión a internet, y hemos puesto “cómo hacer una petición por escrito”, “ejemplo de escrito”, “modelo de escrito a la administración”, “cómo hacer una reclamación por escrito”, o “modelo de escrito de alegaciones”, “cómo hacer un escrito de alegaciones”. y nada, que aunque hemos visto muchas páginas, en realidad, ninguna nos ha convencido al 100 %.

Los Secretos del Abogado.

En realidad, no es tan difícil. cuando sabes hacerlo. Todavía recuerdo la primera vez que me enfrenté a este problema. Estaba en cuarto de carrera, y el profesor de Derecho Administrativo, nos puso como ejercicio práctico, redactar una reclamación de responsabilidad patrimonial por servicio anormal de un servicio público. En realidad, nadie sabía cómo hacerlo, pero a mí se me ocurrió ir al Ayuntamiento a pedir un modelo cómo si fuera una reclamación de verdad. Íbamos tan felices de camino al Ayuntamiento, pensando que el problema ya estaba solucionado, que esa ilusión sólo fue comparable a la desilusión que nos embargó cuando nos dieron un modelo de instancia, que era tan estéril como el folio A-4 que teníamos en nuestras carpetas.

Por ello, ved el vídeo post que os traigo en este ocasión, y aprenderéis cómo hacer un escrito. Además, podéis encontrar un modelo de escrito universal, válido para cualquier tema y cualquier administración, haciendo click en este enlace. También encontraréis un modelo YA RELLENO, EN EL QUE SE MUESTRA CÓMO HACERLO, pero éste es SÓLO PARA SUSCRIPTORES. Por ello, si no eres usuario suscriptor, suscríbete ahora mismo, en el cajetín de la cabecera de la página, o en el que aparece a continuación, y obtendrás el enlace para descargártelo.

Para descargar la PLANTILLA GRATUITA de escrito dirigido a la administración, haz click aquí.

Recordad que hay otra plantilla YA RELLENA , en la que puede verse cómo debe quedar, exclusiva para suscriptores , (si aún no eres suscriptor GRATUITO del blog, suscríbete rellenando el cajetín que hay en la cabecera del blog, o debajo de esta entrada, antes de los comentarios).

Además de lo indicado en el vídeo, no olvidéis:

Sólo contad lo que sea relevante: no contéis toda la historia con “pelos y señales”, pues para vosotros es muy importante, pero para el funcionario que tiene que leerla es una más entre cientos que tiene sobre la mesa. Por ello, sólo debéis explicar lo que tenga una conexión directa con lo que estamos pidiendo, evitando todos aquéllos detalles innecesarios que, aunque resulten muy curiosos o interesantes, en realidad no sean relevantes. De hecho, cuanto más breve sea nuestro escrito, SIEMPRE QUE NO OMITAMOS NADA REALMENTE IMPORTANTE, mejor será. En cierta ocasión, Marx le dijo a Engels, “perdóneme por escribirle una carta tan larga, pero no he tenido tiempo de hacerla más corta” , y ésto muestra que en realidad, la brevedad, lejos de ser una cuestión de pereza o falta de dedicación, es más bien una cuestión de tiempo y de meditación, elemento éste último que nos sirve para concluir si todavía podríamos abreviar más sin sacrificar el contenido, o si por el contrario, ya hemos obtenido la mejor versión posible. Claro, el tiempo dedicado será directamente proporcional a la importancia del asunto o expediente al que nos estemos refiriendo.

No utilicéis términos que no conocéis: muchas personas, a fin de parecer que tienen conocimientos técnicos, de los que en realidad carecen, utilizan términos o fórmulas que no conocen, y muchas veces consiguen el efecto justamente contrario, es decir, gritar que no saben de lo que hablan, decir lo contrario de lo que pretendían, oscurecer la frase de tal manera que no se entiende. Por favor, utilizad términos sencillos y claros, pues ello no está reñido con el eso de una estructura y una sintaxis que evidencian que quien ha presentado el escrito, controla lo que está haciendo.

Ordenad bien los párrafos, y la información en general: debéis seguir un orden lógico, (normalmente, lo mejor es ordenar las ideas en orden cronológico, es decir, según han ido ocurriendo en el tiempo), a fin de que quien lee vuestro escrito pueda seguir el orden de ideas. Por ello, en la plantilla que os facilito, veréis que los hechos están ordenados Y NUMERADOS.

No hagáis regresiones: siguiendo el hilo anterior, debéis seguir el hilo argumental de principio a fin, como si se tratara de un trayecto a realizar, sin hacer regresiones en nuestra redacción, que nos lleven “hacia adelante y hacia atrás”, ya sea en el tiempo y en las ideas. Debéis entender que ésto no sólo “marea”, sino que impide una clara comprensión de las ideas, por lo que quien lo lee y probablemente tenga que decidir optará por el camino más fácil. decir que no.

Poneos en la mente de quien tiene que leer vuestro escrito: intentad pensad como él, (qué le resultará más importante, cómo entenderá lo que le estemos diciendo. ).

Sometedlo a prueba: para ello, podéis darlo a leer a otra persona, y comprobad si entiende bien lo que queréis transmitir. Si esa persona no conoce del asunto, o conoce de manera muy superficial. mejor, pues de esa manera nos aseguramos de que realmente entiende el asunto por lo que explicamos en el escrito, y no por las ideas previas que ya tenía.

Por : dtierno Abogado.

(David Tierno García.- Abogado Colegiado 3072 del Ilustre Colegio de Abogados de Córdoba).

Minuto a Minuto.

1:37.- Porqué esta entrada ahora.

5:12.- Importancia de ver los posts posteriores sobre el procedimiento administrativo, para sacar el máximo provecho.

5:33.- Plantilla facilitada.

6:23.- La ventaja de no usar las instancias normalizadas.

7:04.- El encabezamiento.

8:39.- De qué se trata.

11:04.- Los hechos.

12:31.- Los Fundamentos de Derecho.

13:01.- El Solicito.

13:53.- Lugar, fecha y firma.

14:00.- Recursos Gratuitos.

2 Comentarios

Un post interesante, pero me gusta algo que indica en el y que no tengo posibilidad de encontrar algo similar. Como redactar una reclamación de responsabilidad patrimonial por servicio anormal de un servicio público&,

Sería tan amable de indicarme como se puede hacer dicha redacción.

Muchas gracias y reciba un cordial saludo.

Hola Fernando, la verdad es que un escrito por responsabilidad patrimonial, tiene la misma estructura que cualquier otro. Por ejemplo, cuando se llega a las alegaciones, se dice: PRIMERO.- Que el día XX, caminaba por la calle XX, siendo las XX horas, cuando tropecé con una baldosa que se encontraba en mal estado, cayendo al suelo y sufriendo heridas de consideración. De dicha caída, fueron testigos XXX y YYY, con domicilio en XXX y YYY, y que habrán de ser citados por el órgano instructor para tomarle declaración. SEGUNDO.- Que como consencuencia de la caída, me romí el hombro, tal y como acredito con el parte médico que acompaño como documento número 1…. y así sucesivamente, y al llegar al solicito, dirías, En su virtud, SOLICITO, que habiendo por presentado este escrito junto con sus copias y demás documentos que se acompañan, se sirva admitirlo, y tener por presentada reclamación por responsabilidad patrimonial de esa administración, y tras los trámites preceptivos en derecho, se me indemnice en la cantidad de XXX euros, por las lesiones sufridas&. Y ya está. Un saludo. David Tierno.- A B O G A D O

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Auto Insurance, vehicle insurance rates.

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Inicio, Asociacion La Nacional de Ahorros y Prestamos, prestamos para construccion.

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Prestamos para construccionLa Asociación La Nacional de Ahorros y Préstamos, desde su concepción misma en 1972, como entidad.

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M – D Immobilien in Burscheid, Leverkusen und ErkrathM – D Immobilien, wohnungen leverkusen.

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Ausstattung: Freistehendes Einfamilienhaus EG und OG Holzbauweise Vollunterkellert Massivbauweise Souterrain: Hauseingang barrierefrei Großzügiger Eingangsbereich Große Garderobennische Geräumiger, offener Wohnkeller ..

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    #Prestito #cambializzato

    Prestito cambializzato

    Si tratta di prestiti personali (ovvero finanziamenti non finalizzati allacquisto di uno specifico bene o servizio) rimborsabili tramite cambiali a cadenza generalmente mensile. Le parti possono decidere anche cadenze differenti, mentre in alcuni casi particolari la regola generale è che si emette una cambiale unica (esempio tipico si ha con quella agraria).

    Oggi la maggior parte degli operatori finanziari, siano essi banche (come Findomestic piuttosto che Unicredit) o finanziarie (come Agos o Compass), preferisce non utilizzarli. Il discorso cambia per quelle società finanziarie normalmente di dimensioni medio-piccole (presenti quasi esclusivamente nelle grandi città come Roma, Milano, ecc) che si sono specializzate proprio nella concessione di finanziamenti assistiti dall’emissione delle cambiali.

    Molto più diffuso è il caso di prestito personale a garanzia cambiaria, che rientra tra quelli veloci per rapidità di approvazione, in cui è richiesta la firma di un solo “effetto di smobilizzo” a scadenza prefissata (normalmente pari alla scadenza del prestito sottostante). Si tratta di un prestito personale a tutti gli effetti, cui viene prestata garanzia accessoria, rappresentata, per lappunto, dalleffetto cambiario, che consente un recupero del credito più celere in caso di insolvenza. Per questa ragione sono utilizzati anche come forma di prestito tra privati, sempre nel rispetto del limite imposto dal tasso di usura per evitare tassi troppo alti.

    Per ottenere un prestito cambializzato è generalmente necessario fornire adeguata garanzia:

    • TFR => dipendenti (tale garanzia facilita il finanziamento per i cattivi pagatori).
    • Polizza vita (stipulata da almeno 2 anni) => autonomi o liberi professionisti
    • Garante => (detto avallante) neoassunti

    In realtà non è la legge a imporre la copresenza di queste altre forme di tutela come requisiti, ma viene piuttosto dettata dalla prudenza del soggetto finanziatore. Infatti per sua natura la cambiale offre un livello di rassicurazione sulle possibilità di soddisfazione del debito molto elevate.

    Al di là dell’elevata possibilità di personalizzazione, e al di fuori della presenza delle cambiali, distinguerle da un normale finanziamento risulta abbastanza complicato. Rispetto ad esse gli aspetti in comune:

    • La scelta di una cifra che dovrà essere compreso tra un minimo e un massimo, ma sempre nel rispetto del giudizio delle capacità di rimborso attribuite al richiedente;
    • Eventuale richiesta di ulteriori garanzie;
    • Durata di un piano di rimborso che va generalmente da un minimo di 12 mesi ad un massimo di 120 “mensilità”;
    • Possibilità di rimborso anticipato.

    Fattivamente come procedura si ha quindi la firma del contratto con la contestuale compilazione delle cambiali. Queste riporteranno l’importo da pagare ad ogni scadenza (entro la quale va fatto il pagamento) che è comprensivo degli interessi e della quota capitale. Ogni cambiale-rata pagata viene consegnata al debitore pagante e funge quindi da relativa “ricevuta di avvenuto pagamento”.

    Vantaggi dei finanziamenti cambializzati

    • Non è necessario il controllo in banca dati, pertanto loperazione non è segnalata (salvo il caso del prestito personale a garanzia cambiaria).
    • Normalmente i protestati non possono ottenere prestiti cambializzati, tuttavia, possono accedervi i “cattivi pagatori” iscritti nelle centrali rischi (crif, ctc o experian) sia autonomi che dipendenti. Anche qui non c’è però una regola scritta per cui alle banche, finanziarie o privati viene lasciata la libertà di effettuare un prestito con cambiali anche nei confronti dei protestati. Non si può dare per scontato che le caratteristiche, i criteri di concedibilità e le condizioni resteranno immutate di anno in anno (ad esempio il 2016 rispetto al 2015), quindi bisogna informarsi sempre all’occorrenza;
    • In genere rispetto alla Cessione del quinto, rappresenta unoperazione di finanziamento meno onerosa (sia in termini di interessi che di commissioni di istruttoria) e sono concessi senza tfr come “garanzia” di solvibilità.
    • Maggiore elasticità; nel ridurre limporto delle rate (in caso di momentanea difficoltà) grazie al rinnovo delle cambiali da parte della società che eroga il finanziamento. Tale rinnovo, infatti, consente di allungare il prestito dando luogo, tuttavia, ad un incremento consistente del totale interessi.
    • Sono concessi anche senza busta paga, essendo la cambiale la garanzia principale.

    Lutilizzo delle cambiali è il principale svantaggio del prestito cambializzato.

    La cambiale è un titolo esecutivo, ovvero, un documento in base al quale può essere avviata lesecuzione forzata senza bisogno di provare lesistenza del diritto.

    Lesecuzione forzata è un processo esecutivo diretto asottrarre coattivamenteal debitore determinati beni (pignorabili) facenti parte del suo patrimonio ed a convertirli in denaro, al fine di soddisfare il creditore.

    Dunque, in caso di difficoltà nel pagamento delle rate, il rischio di un protesto è più grave ed immediato rispetto alla classica (e più; lenta) procedura di recupero crediti, tipica di un prestito personale.

    Questa tipologia di finanziamento costituisce un’alternativa, anche se non economica, valida per quanti hanno bisogno di reperire liquidità e le altre alternative non sono accessibili, ma indubbiamente non può rappresentare la prima scelta quando invece non mancano possibilità di muoversi diversamente.

    Trattandosi di un prodotto che appartiene ad un settore in continua evoluzione, oggi si ha anche la possibilità di accedere al prestito cambializzato online e a quello a domicilio. I consigli da non dimenticare, per evitare di scivolare nel rischio truffa, sono:

    • non si devono anticipare spese di consulenza o per avvio “pratica” (se dovuti, vengono trattenuti al momento dell’erogazione sulla cifra concessa). Quindi se si richiede una sorta di iscrizione, oppure il pagamento anticipato delle spese di istruttoria, è meglio guardare altrove;
    • è meglio evitare le proposte poco chiare provenienti dal web (nel caso di finanziarie controllare sempre che siano autorizzate).

    Generalmente questo tipo di finanziamento viene pubblicizzato senza spese, ma a conti fattici si può trovare davanti ad un conto molto salato, e una volta firmato il contratto c’è poco da fare, quindi si deve sempre richiedere un preventivo o la copia del contratto per un’attenta lettura, prima della sua firma (rientra tra i propri diritti è meglio esercitarlo).

    Se si necessita di cifre elevate, e non si rientra nei casi in cui si ha bisogno di liquidità per un’attività (ad esempio in ambito agricolo), allora difficilmente si otterranno risposte soddisfacenti dalle finanziarie online, che si concentrano su livelli di importo massimo generalmente medio-bassi, ma si deve optare per delle forme alternative (come il mutuo di liquidità, o quello vitalizio).

    Visiona Campus: Atención al cliente y pequeño comercio, cliente detallista.

    #Cliente #detallista

    Visiona Campus

    Cliente detallista

    El vendedor extraordinario. Técnicas de venta y atención al cliente en tienda detallista especializada

    Personal de establecimientos detallistas especializados que, en un mercado altamente competitivo como el actual, desee optimizar las propias habilidades individuales del/de la participante para la mejora de su eficacia en la comunicación y venta efectiva.

    Generar la atención del cliente en la entrevista de asesoría y venta, así como despertar su interés en la compra para poder vender estos productos y servicios en la argumentación y cierre efectivo de la venta.

    • Desarrollar competencias profesionales para trascender la categoría de vendedor a la de asesor de ventas (‘sales assistant’).
    • Reforzar la orientación al cliente, entender la atención al cliente y la calidad en el servicio como una necesaria ventaja competitiva.
    • Incrementar tanto las ventas como la ‘venta cruzada’ convirtiendo a los profesionales de tienda detallista especializada, en asesores que prescriben y venden los mejores productos y servicios, para la mejora de la venta y la fidelización del cliente.

    1. El vendedor extraordinario en la tienda detallista especializada

    • ¿Qué es un vendedor extraordinario en una tienda detallista especializada?
    • Conocimientos, habilidades y actitudes ante el cliente
    • La actitud mental positiva en tienda detallista especializada
    • La gestión personal del vendedor GDT
    • El vendedor extraordinario se convierte en el asesor extraordinario

    2. El cliente de productos de tapicería y descanso (y de tienda detallista especializada ‘)

    • Tipologías de Clientes en tienda detallista especializada
    • Psicología del/de la Comprador/a
    • Factores de influencia en la compra
    • Necesidades y Deseos del Cliente
    • Identificación y trato esperado en tienda detallista especializada

    3. Técnicas de Venta en tienda detallista especializada

    • Proceso de compra de un consumidor
    • El método de venta ‘TDE’.
    • La argumentación convincente
    • El tratamiento de las objeciones a la compra
    • Principales objeciones en la venta de tapicería y sistemas de descanso

    4. El cierre de ventas en tienda detallista especializada

    • El método A.I.D.A.
    • Lenguaje corporal y señales de compra para un cierre efectivo
    • Tentativas de cierre
    • Técnicas de cierre
    • Introducción a la PNL para el cierre de ventas

    5. Atención seguimiento y postventa en tienda detallista especializada

    • La satisfacción de los Clientes
    • Planificación del seguimiento de clientes y prospectos
    • Tratamiento de quejas y reclamaciones
    • Fidelizar como garantía de satisfacción y futuro
    • El Compromiso de Calidad TDE (tienda detallista especializada)

    Cliente detallista

    Perfumes en Aceite inspirados en grandes marcas para ELLA al por mayor, perfumes en aceite al por mayor.

    #Perfumes #en #aceite #al #por #mayor

    Perfumes en Aceite inspirados en grandes marcas para ELLA

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Perfumes en aceite al por mayor

    Aceite de argan puro -botella de cristal- 60 ml sin perfumes añadidos

    Perfumes en aceite al por mayor

    Perfumes de marca

    Perfumes en aceite al por mayor

    Thalia para ella de vértigo inspirado en essence de narciso rodriguez

    Perfumes en aceite al por mayor

    Perfume inspirado en Calvin Klein

    Perfumes en aceite al por mayor

    Perfume inspirado en Diesel

    Perfumes en aceite al por mayor

    Perfume inspirado Chanel nº 5

    Perfumes en aceite al por mayor

    Perfume de hombre inspirado en Paco Rabanne

    Perfumes en aceite al por mayor

    Perfume hombre inspirado d&g light blue

    Perfumes en aceite al por mayor

    Agua de perfume mysterious magic cote d´azur inspirada en fantasy hidden

    Perfumes en aceite al por mayor

    Lacrosse xl 2012 chatier inspirada en lacoste 1212

    Perfumes en aceite al por mayor

    Red x for woman de jean marc inspirado en black xs for woman de paco rabanne

    Perfumes en aceite al por mayor

    Bossa nova de jean marc inspirada en hugo de hugo boss

    Perfumes en aceite al por mayor

    Ambientador de perfumes

    Perfumes en aceite al por mayor


    Perfumes en aceite al por mayor

    Perfumes de ambiente

    Perfumes en aceite al por mayor

    Lote perfumes

    Perfumes en aceite al por mayor

    Diseño de pegatina impresa para botella de perfumes

    Perfumes en aceite al por mayor

    Cajas para perfumes de embalaje diseño de lujo España

    Perfumes en aceite al por mayor

    Caja cartón para botella perfumes

    Perfumes en aceite al por mayor

    Cajas para perfumes por mayor 2017

    Perfumes en aceite al por mayor

    Perfumes en Aceite inspirados en grandes marcas para ELLA

    – 100% perfume en aceite altamente concentrado.

    – Son aceites puros, sin diluir en alcohol o agua.

    – Se presenta en envase de cristal de 30 ml.

    – Poner unas gotas en las toallas del baño, etc.

    – Unas gotas en el aceite de masaje.

    – Para usarlo en spray puedes mezclarlo tu mismo con alcohol, la cantidad de perfume a emplear dependerá del grado de concentración que tu prefieras.

    105 212 (Carolina Herrera Type)

    110 Angel (Thierry Mugler Type)

    113 Aromatics Elixir (Clinique Type)

    117 Be Delicious (Donna Karan Type)

    138 Carolina Herrera (Caolina Herrera Type)

    160 Contradiction (Calvin Klein Type)

    164 Curious (Britney Spears Type)

    174 Dolce Vita (Christian Dior Type)

    186 Eternity (Calvin Klein)

    191 Euphoria (Calvin Klein Type)

    202 Glamourous (Ralph Lauren Type)

    203 Glow (Jennifer Lopez Type)

    214 Hypnotic Poison (Christian Dior Type)

    222 Jean Paul Gaultier (Jean Paul Gaultier Type)

    Bisuteria al por mayor, fabricante de bisuteria al por mayor, tocados al por mayor online.

    #Tocados #al #por #mayor #online

    Bisuteria al por mayor

    Cuchicuchi es también proveedor de bisuteria al por mayor. Consigue ventas para tu tienda a un riesgo minimo!

    Puedes consultar las condiones para comprar al por mayor bisutería rellenando el formulario que te adjuntamos. Te dejamos algunas fotos de tiendas de complementos de moda donde exponemos nuestras colecciones.

    La venta al por mayor de bisuteria incluye todas las pulseras, collares, etc. de nuestra web, a precios muy competitivos para que puedas venderla en tu comercio. ¡Queremos ser tu proveedor de bisuteria!

    También podemos ser tu proveedor de joyas personalizadas. Si quieres vender pulseras, collares, llaveros…. con mensajes o con los diseños que quieras o los de tus clientes, puedes hacerlos con nosotros. Ideales para bodas, comuniones, bautizos, el día de la madre o el padre, san valentín, para recién nacidos… Mira lo que puedes hacer aquí y contáctanos si quieres vender joyería personalizada.


    Tocados al por mayor online

    Precios de venta al por mayor de bisuteria

    En general, los precios de venta PVP de la tienda son los mismos que en nuestra web. Te aplicamos un descuento interesante sobre los precios para que sea rentable la venta en comercios.

    Por razones de confidencialidad, necesitamos tus datos para poder ofrecerte los precios de venta de bisuteria al por mayor concretas. Consúltanos.

    Bisuteria a medida, encargos y nuevas ideas

    Puedes pedir tallas, colores, etc. como ves en nuestra web, según los encargos que te hagan tus clientas.

    Podemos orientarte en colorido, colecciones, etc. de acuerdo a la ropa, complementos o estilo de tu tienda.

    Si quieres joyas o bisutería a medida, tienes varias tiendas o quieres personalizar algo, también podemos desarrollarlo de acuerdo a tu estilo, tendencias, etc. Somos fabricante y mayorista de bisuteria, así que podemos hacer cosas a medida de tus necesidades.

    Tenéis expositores, cartelería, etc?

    Disponemos de expositores, cartelería nueva por temporada con imágenes muy atractivas de nuestros productos, incluidos pequeños carteles para estanterías explicando las líneas de producto que tenemos. Te encantará.

    Tocados al por mayor online

    Cuánto tengo que comprar? Qué riesgo tengo?

    Para la compra al por mayor de bisuteria, te pedimos una compra mínima inicial, para que tengas una cantidad suficiente de mercancía y quede bien representada en tienda. Es una cantidad pequeña, ponte en contacto para informarte.

    Aceptamos cambios en caso de no vender determinadas referencias, dentro de la misma temporada.

    Colecciones nuevas en cuchicuchi. ¿Cada cuánto tiempo?

    Actualizamos la colección contínuamente, adaptándonos a las tendencias del mercado.

    En cuchicuchi no tienes que comprar de golpe una gran colección y esperar a vender una gran cantidad.

    En las tiendas donde vendemos el objetivo es que las clientes estén esperando las novedades que enviamos! Clientes que repiten contínuamente con nuestra marca!

    No sólo tenemos las 4 colecciones básicas de Primavera, Verano, Otoño e Invierno, sino que vamos agregando novedades contínuamente, e introducimos cambios en las piezas que vendemos para que se repitan lo mínimo posible.

    Partita la corsa al mutuo a tasso fisso «last minute» – Il Sole 24 Ore, mutuo variabile con cap.

    #Mutuo #variabile #con #cap

    Mutuo variabile con cap

    Il mutuo cambia pelle. Da sempre è uno di quei prodotti che offrono agli istituti di credito margini interessanti a fronte di rischi molto contenuti. Soprattutto in mercati come quello italiano in cui l’appeal della proprietà dell’immobile è ancora molto forte a differenza del N.

    Il mutuo cambia pelle. Da sempre è uno di quei prodotti che offrono agli istituti di credito margini interessanti a fronte di rischi molto contenuti. Soprattutto in mercati come quello italiano in cui l’appeal della proprietà dell’immobile è ancora molto forte a differenza del Nord d’Europa dove l’affitto in pianta stabile viene preso più in considerazione. Negli ultimi tempi, però, molte banche hanno cambiato approccio rispetto al prestito ipotecario: il mutuo sta diventando più un mezzo che un fine.

    Un mezzo per tenere ancorati nel lungo periodo dei clienti a cui proporre altri prodotti finanziari su cui guadagnare di più (contratti assicurativi, prodotti di risparmio gestito) attraverso logiche di cross selling. Una strategia che emerge in modo lampante osservando le attuali offerte a tasso fisso (che rappresentano oltre il 70% dei mutui erogati/surrogati nel 2017). Gli spread applicati su questi prodotti sono crollati addirittura sotto lo 0,2% mentre nella migliore delle ipotesi quelli sul tasso variabile viaggiano allo 0,95%. Certo, il tasso finale pagato dal mutuatario non è composto solo dallo spread deciso dalla banca. A questo bisogna poi aggiungere l’indice Eurirs pari alla durata del mutuo nel caso del tasso fisso e l’Euribor (che dal 2015 è negativo e quindi andrebbe sottratto) sul variabile. Fatte le dovute somme il variabile (in termini di tasso finale) torna ad essere in partenza più competitivo (di circa 100 punti base) rispetto al fisso. Ma la distanza sulle durate brevi (10 anni) – dove il sovrapprezzo dell’Eurirs è minore rispetto all’Euribor – scende a 30 punti base.

    Come mai in questa fase le banche preferiscono erogare mutui a tasso fisso e per farlo sono disposte a schiacciare gli spread su livelli mai visti? «I mutui a tasso fisso non sono mai stati a livelli così attraenti come in questi ultimi mesi – spiega Stefano Rossini, ad di -. Questa convenienza può essere parzialmente spiegata da un ritardo di revisione dei tassi finiti di offerta sui mutui a tasso fisso da parte del sistema bancario a valle di un recente aumento dei tassi Eurirs avvenuto da fine 2017 ad oggi. Ma il motivo per cui l’impressione è che le banche da diversi mesi stiano “svendendo” mutui a tasso fisso – continua Rossini – è da correlarsi a una scelta precisa di investimento della liquidità. I tassi di default della categoria di impieghi mutui a tasso fisso a clientela privata sono a livelli quanto mai contenuti, da tempo prossimi all’1,3% a livello di sistema, e quindi il costo del rischio è molto ridotto. E per investimenti di lunga durata a basso rischio le opzioni di impiego alternative della liquidità non sono numerose».

    Un altro motivo per cui alle banche ora “conviene svendere” i fissi è che in questo modo la probabilità che un nuovo mutuatario effettui una surroga (cambi banca) sugli anni futuri è praticamente assente, quindi erogando un mutuo a tasso fisso oggi si riesce a fidelizzare un cliente per 20-30 anni senza dover poi incorrere in eventuali costi o perdite di guadagno correlate a un’estinzione anticipata del mutuo.

    Tassi fissi intorno all’1-1,5% rappresentano per certi versi una sorta di “saldi di fine Qe”. Le ragioni per cui oggi sono piombati ai minimi sono legate alla politica espansiva adottata dalla Bce dalla primavera del 2015 quando, dopo aver azzerato il costo del denaro, ha aggiunto un’iniezione costante di liquidità sui mercati che ha portato i tassi ai minimi termini. Queste politiche stanno però per giungere al termine. A settembre la Bce dovrebbe terminare gli acquisti di titoli (quantitative easing) e dalla primavera del 2019 dovrebbe alzare i tassi. Il che lascia pensare che sul fronte mutui siamo nel momento più basso della curva dell’offerta. Nei prossimi mesi i tassi proposti potrebbero risalire, un po’ perché gli Eurirs stanno già crescendo (anticipando le prossime mosse della Bce). E un altro po’ perché è francamente difficile ipotizzare che la “svendita” possa continuare a lungo.

    Corso Allievi Marescialli della Guardia di Finanza a L – Aquila, guardia della finanza.

    #Guardia #della #finanza

    Corso Allievi Marescialli della Guardia di Finanza a LAquila?

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    Domanda di Mario: Corso Allievi Marescialli della Guardia di Finanza a LAquila?

    Quanto dura il corso e come si svolge?

    Comè la vita nella scuola?

    Come si svolge la giornata?

    Answer by Angiulella

    Il corso dura 3 anni e si svolge a LAquila, nel quartiere di Coppito, presso la Scuola Ispettori e Sovrintendenti della Guardia di Finanza. Durante questi 3 anni tutti gli allievi dovranno conseguire la laurea triennale come Operatore Giuridico dImpresa: è un corso di laurea dellUniversità degli studi di LAquila della facoltà di Economia, quindi le materie che si studieranno riguardano principalmente economia e diritto, oltre alle discipline militari. Le lezioni si svolgono in caserma, così come laddestramento. Non cè bisogno di dire che il corso è molto duro e serve a temprare spirito e corpo degli allievi. In particolar modo questi sono messi sotto pressione fisica e psicologica al primo anno: diversi ragazzi abbandonano duranti i primi giorni perchè scoprono di non essere portati per la vita militare. E difficile descrivere una giornata tipo perchè cambia ogni giorno a seconda delle attività in programma, comunque più o meno è la classica giornata delle scuole militari e delle accademie: sveglia presto, bisogna prepararsi e sistemarsi in un tot di tempo, poi si fa colazione, lezione, pranzo, qualche minuto di tempo libero, e poi le attività previste dalla giornata (che possono essere lezioni, ore di studio individuale oppure prove per le cerimonie: specialmente al primo anno ci sono molte cerimonie e parate, come il giuramento, la consegna delle fiamme, e richiedono ore e ore di marcia di prova), cena, e prima di dormire il controappello. Per quanto riguarda le libere uscite, ne sono previste circa un paio a settimana oltre ai permessi speciali di 36 o 48 ore che vengono rilasciati dal Comandante della scuola (e per questo sono a discrezione sua). Cè lobbligo di alloggiare in caserma, tranne che per gli sposati. Comunque queste regole per i permessi non sono fisse, perchè oltre a dipendere dal comandante della scuola, cambiano anche nel corso dei 3 anni: si è molto più rigidi con un allievo del 1° anno che con uno del 3°, che è ormai già un maresciallo ed ha quasi finito il suo iter formativo allinterno della scuola; lo stesso vale per le punizioni e la disciplina: nei primi mesi basta un nulla per avere una punizione.

    LAquila Scuola Sottufficiali Guardia di Finanza

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    Ti forniamo noi tutto il materiale necessario accuratamente selezionato (dispense, manuali, libri, appunti, simulazioni, etc.).Non devi fare nulla. pensiamo a tutto noi!

    Certificato di Vigenza, commercio significato.

    #Commercio #significato

    Commercio significato

    Il Certificato di Vigenza accerta se nei confronti dellazienda siano o meno in corso procedure liquidatorie o concorsuali.

    Il Certificato di Vigenza è il documento camerale che attesta e certifica che lazienda non sia soggetta a procedure concorsuali di qualsiasi genere: fallimento, liquidazione amministrativa coatta, ammissione in concordato o amministrazione controllata. Contiene tutte le informazioni di un’azienda a partire dalla data della sua prima costituzione e viene richiesto per la partecipazione alle gare di appalto, per uso rimborsi tributari, per la concessione di mutui e finanziamenti, per l’iscrizione nell’elenco dei fornitori, ecc.

    Nota: Il Certificato Vigenza può essere richiesto solo per le categorie appartenenti a COMMERCIO, INDUSTRIA, ARTIGIANATO E AGRICOLTURA – NO Albi Professionali e Associazioni Sportive.

    Per qualsiasi dubbio o quesito relativo a questo servizio puoi contattarci al numero verde 800.00.51.51. Un operatore saprà fornirti tutte le informazioni necessarie per completare la tua richiesta.

    Domande frequenti

    AGRICOLTURA, ARTIGIANATO E INDUSTRIA. Non è possibile ottenere il Certificato di Vigenza per gli Albi professionali, quali Avvocati, Medici, Architetti (etc.), a meno che gli stessi non abbiano uno Studio Associato e quindi figurino come Società a tutti gli effetti.

    – Partita Iva o Ragione Sociale (Denominazione Azienda)

    Nel caso di Impresa Individuale occorreranno:

    – Cognome, Nome e Codice Fiscale del soggetto su cui effettuare la ricerca.

    Per entrambe le tipologie, la ricerca può essere fatta su una provincia specifica, oppure su scala nazionale.

    Il pagamento può essere effettuato tramite:


    Il Certificato di Vigenza accerta se nei confronti dellazienda siano o meno in corso procedure liquidatorie o concorsuali.

    Il Certificato di Vigenza è il documento camerale che attesta e certifica che lazienda non sia soggetta a procedure concorsuali di qualsiasi genere: fallimento, liquidazione amministrativa coatta, ammissione in concordato o amministrazione controllata. Contiene tutte le informazioni di un’azienda a partire dalla data della sua prima costituzione e viene richiesto per la partecipazione alle gare di appalto, per uso rimborsi tributari, per la concessione di mutui e finanziamenti, per l’iscrizione nell’elenco dei fornitori, ecc.

    Nota: Il Certificato Vigenza può essere richiesto solo per le categorie appartenenti a COMMERCIO, INDUSTRIA, ARTIGIANATO E AGRICOLTURA – NO Albi Professionali e Associazioni Sportive.

    Per qualsiasi dubbio o quesito relativo a questo servizio puoi contattarci al numero verde 800.00.51.51. Un operatore saprà fornirti tutte le informazioni necessarie per completare la tua richiesta.

    AGRICOLTURA, ARTIGIANATO E INDUSTRIA. Non è possibile ottenere il Certificato di Vigenza per gli Albi professionali, quali Avvocati, Medici, Architetti (etc.), a meno che gli stessi non abbiano uno Studio Associato e quindi figurino come Società a tutti gli effetti.

    – Partita Iva o Ragione Sociale (Denominazione Azienda)

    Nel caso di Impresa Individuale occorreranno:

    – Cognome, Nome e Codice Fiscale del soggetto su cui effettuare la ricerca.

    Per entrambe le tipologie, la ricerca può essere fatta su una provincia specifica, oppure su scala nazionale.

    Il pagamento può essere effettuato tramite:


    Investment Banking Education Requirements and Career Info

    #mba #in #investment #banking, #investment #banking #education


    Investment Banking Education Requirements and Career Info

    Degree programs related to investment banking typically cover the principles of taxation, accounting, investing and corporate finance. Find out about the requirements of these programs, and learn about career options, job growth and salary info for investment banking graduates.

    Show Me Schools

    View popular schools

    Investment banking is a general term that includes a few different careers, including floor brokers and financial managers. Candidates interested in the field minimally need a bachelor’s degree, though those with eyes on advancement should complete a master’s program.

    Essential Information

    There are many degree programs to prepare individuals for careers in investment banking. Common majors include accounting, business or finance. Although bachelor’s degrees are suitable for many positions, higher level positions in this field may require job applicants to hold master’s degrees in business administration or finance. Many business administration programs provide actual field experience, which employers prefer. Both undergraduate and graduate programs in these fields provide instruction on developing proper professional behavior and understanding the importance of business ethics. Some potential job titles to consider include investment banker, floor broker, and financial manager.

    Bachelor’s degree or higher

    Bachelor’s degree or higher

    Bachelor’s degree or higher

    Projected Job Growth (2014-2024)

    10% (All securities, commodities, and financial services sales agents)*

    10% (All securities, commodities, and financial services sales agents)*

    Source: *U.S. Bureau of Labor Statistics; **; ***

    Find schools that offer these popular programs

    • Banking Related Services
    • Credit Management
    • Financial Mgmt Services
    • Financial Planning Services
    • International Finance
    • Investments and Securities
    • Public Finance Mgmt

    Career Options

    Investment Banker

    Many financial sale agents are referred to as investment bankers. This position involves connecting businesses with investors. Investment bankers advise companies on which stocks or bonds to pursue, and they sell securities to investors to try and ensure that investors are protected. Most employers require applicants to hold the minimum of bachelor’s degrees. Investment bankers usually must be licensed or registered through the Financial Industry Regulatory Authority (FINRA). In order to do so, a worker must be employed for a minimum of four months before passing the General Securities Registered Representative Exam. Many states also require the completion of a second examination, which is the Uniform Securities Agent State Law Examination.

    Floor Broker

    Floor brokers sell and trade goods on behalf of investors. These professionals work in high-paced environments. On the trading room floor, they communicate with their investors and negotiate with other brokers concerning prices for purchasing and selling goods, services, and other investments. Bachelor’s degrees are the minimum education requirement for this position, although some firms may prefer applicants who hold master’s degrees. Licensure or registration through FINRA is also required.

    Financial Manager

    There are many different types of financial managers, and each manager has slightly different job duties. At organizations, these professionals oversee all financial decisions and budgetary planning. Financial managers who focus on investment banking may help organizations determine investment strategies. Managers in investment banking generally have bachelor’s or master’s degrees along with a certain amount of work experience. Licensure is typically not required for financial managers, although industry certification is highly recommended.

    Career Outlook and Salary Information

    The U.S. Bureau of Labor Statistics (BLS) predicted that overall employment opportunities for securities, commodities, and financial services sales agents, including floor brokers and investment bankers, would grow by 10% during the 2014-2024 decade. BLS predictions for that same decade indicate that open positions for financial managers will grow by 7%. As of 2015, data gathered from the BLS showed that securities, commodities, and financial services sales agents in general earned a median annual salary of $71,550. reports from 2016 indicate that the median salary of an investment banker was $84,290; floor brokers earned a median salary of $149,044 per Information from the BLS in 2015 showed that financial managers earned a median annual salary of $117,990.

    A career in investment banking involves working with investments and managing money in different forms. Job outlook in this field is positive for the next several years: average or above average, depending on the position. Bachelor’s degrees are typically a minimum education requirement.

    Next: View Schools

    Individuals interested in a career as an investment banker typically have bachelor’s and master’s degrees in areas related to.

    You’ve probably heard by now that students in higher ed face record levels of debt and an unforgiving job market. No doubt that.

    On average, individuals holding a bachelor’s degree earn 84% more than those with only a high school diploma. A recently.

    Research strong schools with banking and finance programs. See rankings, locations and degree possibilities at some top schools.

    2 Free Microsoft Windows Server 2012 Antivirus Solutions

    #best #antivirus #for #windows #server


    2 Free Microsoft Windows Server 2012 Antivirus Solutions.

    By default, Windows Server 2012 comes without a security solution.

    This is especially important if you use 2012 as a robust workstation OS for your studying needs.

    So, to protect your time-consuming lab-rat experiments, you might feel left “high and dry “.

    ‘Though not everything is lost, since there are 2 hacks you might wish to implement to provide a minimum form of protection to your lab.

    1. Microsoft Security Essentials for Windows 7 into Windows Server 2012.

    The first hack allows you to install Microsoft Security Essentials (MSE).

    Microsoft Security Essentials is designed for Windows 7 and is not compatible (nor supported) on Windows Server 2012.

    But if you insist, you might as well end-up installing it on your Windows Server 2012.

    1. Download a copy of MSE from Microsoft:
    2. Right Click on the “mseinstall.exe”.
    3. Click on Properties.
    4. Click on the “Compatibility”-tab.
    5. Locate the “Compatibility mode”-section.
    6. Check “Run this program in compatibility mode for:”.
    7. Select From the (now active) dropdown menu “Windows 7”.
    8. Open a Command Prompt as Administrator.
    9. cd to your Downloads folder (ie. cd C:\Users\%username%\Downloads).
    10. Run “mseinstall /disableoslimit” and follow the installer prompts to install MSE on your Windows Server 2012.

    2. Microsoft Endpoint Protection 2012 (part of the System Center 2012 suite).

    Microsoft Endpoint Protection 2012 is part of a freaking awesome Microsoft System Center suite.

    The Microsoft System Center suite of programs is a fully integrated Client/Server solution that allows you to automate your infrastructure management.

    Amongst other things, Microsoft Endpoint Protection 2012 is the “security” component of the suite – a Client/Server Security solution that fully integrates with your Active Directory Domain.

    In layman’s terms, Microsoft Endpoint Protection 2012 could be considered as the “full” version of Microsoft Security Essentials (aka Windows Defender on Windows 8/8.1).

    The solution includes both a “Server” application (ie. to deploy on your application server) and a “Client” counterpart (ie. for your workstations).

    • The hack described in here is the possibility to run the Client as a “standalone” product (ie. without having to rely on the Server application).

    Not only, you can even get the client “for free”, by simply downloading the Trial version of the entire Microsoft Endpoint Protection 2012 suite (trial refers to the Server Application).

    To install System Center 2012 Endpoint Protection on Windows Server 2012 proceed as follows:

    • Download Microsoft System Center Configuration Manager and Enpoint Protection 2012 SP1 from the following address:

    Once you obtain the package (mine was named SC2012_SP1_RTM_SCCM_SCEP.exe and it was 613MB):

    1. Right Click on it and open the archive with 7zip.
    2. Extract the “CLIENT”-Folder from SC2012_SP1_RTM_SCCM_SCEP.exe into a temporary location.
    3. Browse to the CLIENT folder with Windows Explorer and run “SCEPINSTALL.exe”.
    4. Follow the installer Prompts and you’ll end up with a fully featured Security Solution courtesy of Microsoft.

    Personal remarks.

    Now, apart from what’s moral and what’s not, Microsoft highly likely wishes you to “give it a go” (at their own Security solutions).

    Despite glorious bugs that made glowing news during the previous decade, Microsoft takes a serious stand when it comes to Security.

    How. For one, by constantly releasing Windows “Security Updates”.

    Pair that with a basic form of malware protection and you might just end up covering 80% of your security needs.

    Independent testing says:”meh. “.

    If you asked me what’s my favourite professional security suite, I’d say:”it depends “.

    If you’re an SMB with limited resources (and perhaps close to none IT personnel), then I’d lean towards a fully managed OOB solution (like Bitdefender).

    If you’re a Windows-only Enterprise or Government organization, then I’d lean towards a secured Active Directory domain environment (ie. w/Applocker IPSec), with the integration automation provided by Microsoft System Center-based solutions (such as Endpoint Protection 2012).

    [UPDATE] 2014-02-12 – Windows Server 2012 R2 compatibility:

    Jens (a reader of this article), reports SCCM 2012SP1 is not working on his Windows Server 2012 R2.

    • I tried to run MS SCCM 2012 R2 EP Client on Windows Server 2012 R2 Datacenter and it just worked!

    So yes, the above procedure is confirmed to work on Windows Server 2012 R2 – provided you use Microsoft System Center 2012 R2 Endpoint Protection Client .

    Updated procedure for Windows Server 2012 R2.

    1. Obtain SCCM 2012 R2 TRIAL from
    2. Extract the SCCM 2012 R2 EP “Client”-Folder from SC2012_R2_SCCM_SCEP.exe.
    3. Run “SCEPINSTALL.exe” as Admin.

    Senior Professional Network and Computer Systems Engineer during work hours and father when home.

    Andrea strives to deliver outstanding customer service and heaps of love towards his family.

    In this Ad-sponsored space, Andrea shares his quest for “ultimate” IT knowledge, meticulously brought to you in an easy to read format.

    Thanks guys, this works great (with the 2012R2 update info above).

    To Microsoft I’d like to say that you should be ashamed. We paid enough for the licensing for the server software, in my case over twice the cost of the hardware itself for the server. Why remove functionality from the product and pretend in the documentation that the product is bundled with Windows 8? You guys try to kill the competition (like Symantec) by giving something away for free for years. only to then remove it later and try to charge for it? Not cool, guys.

    if u wanna remove Microsoft Security Essentials u may run this as Administrator

    mseinstall.exe /u /disableoslimit

    It’s awesome! Just nice solution for me as I am running it as test machine. But the idea to run it without anti virus in not good at all 🙂 Thanks again.

    Installation worked like a charm.

    Installed from command prompt and used scepinstall /disableoslimit.

    Updating worked as well – for now.

    I didn’t try this with MSE, but I cannot see why scepinstall needs to be run in win7 compat mode. Using the /disableoslimit switch is sufficient to install on WSE2012. My rule is to never run in compat mode unless there is absolutely no other solution, and on my server compat mode is not even a consideration. That said, I think this hack is awesome for a home-spun solution. If you do this in a commercial environment you should still pay your dues.

    Worked awesome. Thanks for the info!

    Much appreciation for working this out. I have been successful getting the Systems Center Endpoint Protection to run on Essentials R2 with this method. The box is a simple homeserver replacement for an old HP homeserver that needed to be decommissioned.

    What are the legal aspects of running System Center Endpoint Protection on a small company Win 2012 server? Do we have to pay even if we are using only the Endpoint Protection? How much?

    SCEP on Windows Server Essentials 2012 R2 – latest update HOW TO:

    You may or may not know that there is a trigger to install a SCEP Client on a Windows Server Essentials 2012 R2 – but what about updates? If you try to install the Update from October (Version 4.6.0305.0) the update will fail – for obvious reasons. On top of that the Update 2998627 which includes the Updatepackage is not available on the Microsoft WIndows Update Catalog Website. So what now? I’ll go on just as this article started: As you may or may not know there is a Cache-Folder for WIndows Updates located at C:\Windows\SoftwareDistribution\Download. This Folder holds a bunch of cryptic Hash-Values – take a not of the filesizes here. The Update shows up as 8,4 MB – lets check if there is a file which has roughly the same size. Bingo! So just to don’t disturb any Windows Update Services copy this file to a convenient place (like C:\) and rename it to scepinstall.exe (or whatever you prefer). Get an administrative CMD running and do scepinstall.exe /disableoslimit

    Cheers for that. Was facing the very same issue

    I just tried this using R2 with Update and it installed fine, thank you!

    Thanks so much everyone. this solved my problem and eliminated my headaches. Running it from the command prompt as administrator with the /disableoslimit did the trick.

    Very much appreciated!

    I tried the updated for W2012 R2 and it worked for me. They changed the folder name in the SC2012_SP2_Configmgr_SCEP.exe fole to \SMSSETUP\CLIENT\ Other than that it worked like a charm.

    Comments are closed.

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    Colocation Orlando – Data Centers

    #colocation, #data #center, #cloud, #data #centre, #hostingcenter, #dedicated #server, #managed #hosting, #telehouse, #server #hosting, #rack, #cabinet, #server #room


    Colocation Orlando

    Currently there are 11 colocation data centers from Orlando in Florida, USA.
    Save the trouble of contacting the providers, check out our quote service .

    DataSite Orlando

    Short description:
    DataSite Orlando is a world class data center facility built to meet the demanding power and cooling needs of the modern computing environment. The Tier III data center design provides for a completely redundant and continually operating facility that has a 100% uptime track record.

    For security reasons this is not the exact location of the data center. However, it is located within Orlando Central Park.


    Short description:
    Alterascape is housed in a multi-million dollar Class A data center located in Kissimmee, Florida. We are a carrier neutral facility. Our onsite staff monitors all operations from Alterascape width: 250px; margin: 0 10px 5px 0;” src=”” />Alterascape, LLC is a premium member of Data Center Map.

    PCNet Orlando

    Short description:
    The PCNet Orlando Data Center provides Colocation and Cloud services. PCNet works with its client companies to deliver high quality, custom data center infrastructure solutions backed by our managed service team.


    440 West Kennedy Blvd, Suite 3
    32810 Orlando
    Florida, USA

    Short description:
    Atlantic.Net was established in 1994. Atlantic.Net operates a world Class Carrier Neutral facility in Orlando Florida. The Data Center is 25,000 SQ. Ft. Multihomed, Fully Redundant, Industrial Grade Generator, Industrial Grade UPS, 24/7 Customer Access, NOC operates 24 X 7 X 365

    Level 3 Orlando 2

    Short description:
    For all information regarding Products and Services for Level 3 Communications go to

    Colo Solutions Orlando

    Short description:
    Please see the profile for further details.

    Home – Stadtwerke Frankfurt am Main, unternehmen in frankfurt am main.

    #Unternehmen #in #frankfurt #am #main

    Aus einer Hand. Für unsere Stadt.

    Willkommen bei der Unternehmensgruppe

    Stadtwerke Frankfurt am Main

    Die Unternehmensgruppe Stadtwerke Frankfurt am Main stellt unter dem Dach der Stadtwerke Frankfurt am Main Holding GmbH (SWFH) mit operativ eigenständigen Tochtergesellschaften umfassende Dienstleistungen rund um Energie und Wasser, öffentliche Mobilität, Abfallentsorgung, Sport und Freizeit bereit.

    Wir stehen als Konzernverbund hinter wesentlichen Leistungen der Daseinsvorsorge, die Tag für Tag von vielen Menschen ganz selbstverständlich genutzt werden.


    Unternehmen in frankfurt am main

    Unter dem Motto „Aus einer Hand. Für unsere Stadt.“ erbringt die Unternehmensgruppe Stadtwerke Frankfurt am Main Leistungen, die dafür sorgen, dass in unserer Stadt vieles gut und sicher funktioniert. Denn die kommunale Daseinsvorsorge ist Grundlage eines starken Gemeinwesens und Voraussetzung für hohe Lebensqualität.

    Unternehmen in frankfurt am main

    Die SWFH unterstützt die Arbeit ihrer Konzerngesellschaften. Sie nimmt strategische und koordinierende Aufgaben wahr und erbringt zentrale Dienstleistungen.

    Ausbildung + Karriere

    Unternehmen in frankfurt am main

    Ausbildung ist Zukunft! Für uns als einem der großen Arbeitgeber in der Region ist Ausbildung besonders wichtig. Denn nur mit gut qualifizierten Fachkräften können wir unsere Aufgaben meistern. Heute und in Zukunft.

    Unternehmen in frankfurt am main

    Bye-bye Girls!

    Mit einem letzten Nikolaus-Cup verabschiedete sich die Initiative Girls Wanted von ihren Fans. Ein toller Ausklang mit viel Sport und jeder Menge Spaß!

    Unternehmen in frankfurt am main

    Jugendliches Engagement: Info- und Aktions-Tag für Stadtwerke Azubis

    Die Jugend- und Auszubildendenvertretung (JAV) hatte am 6. November 2017 Azubis der Unternehmensgruppe Stadtwerke Frankfurt am Main aus allen Lehrjahren zur JA-Versammlung 2017 eingeladen. Das Rahmenprogramm bildete die ver.di Aktionswoche „Gute Ausbildung – gute Arbeit“.

    Unternehmen in frankfurt am main

    Ausbildungsstart in der Unternehmensgruppe Stadtwerke Frankfurt

    Am 25. August werden 74 neue Auszubildende bei der Unternehmensgruppe Stadtwerke begrüßt. Sie beginnen eine Ausbildung in insgesamt 10 technischen und kaufmännischen Berufen bei den Tochtergesellschaften der Stadtwerke Frankfurt am Main Holding GmbH – BäderBetriebe Frankfurt GmbH (BBF), Mainova AG, Stadtwerke Verkehrsgesellschaft Frankfurt am Main mbH (VGF) und der In-der-City-Bus (ICB). -. Mit diesen Neuzugängen beschäftigt die Unternehmensgruppe in Frankfurt aktuell insgesamt 198 Auszubildende und zählt damit weiter zu den größten Ausbildungsbetrieben der Region.

    Unsere Unternehmen

    Unternehmen in frankfurt am main

    Unternehmen in frankfurt am main

    Unternehmen in frankfurt am main

    Unternehmen in frankfurt am main

    Unternehmen in frankfurt am main

    Unternehmen in frankfurt am main

    Abogado Penalista – Esteban Abogados Penalistas, abogados penales.

    #Abogados #penales


    PENALISTAS EXPERTOS 93 414 02 93

    Especialistas en Derecho Penal

    Esteban Abogados es un despacho de Abogados Penalistas con actuación en todo el país. Está dirigido por Marco Esteban, Abogado Penalista y Master en Derecho Penal, con una exitosa trayectoria profesional en la defensa de procedimientos penales. Somos una firma altamente especializada y dedicada exclusivamente al derecho penal. Nos ocupamos de todo tipo de delitos y contamos con una dilatada experiencia en la resolución de procesos en las diferentes instancias de la jurisdicción penal.

    La experiencia nos muestra que la aportación de un abogado penal experto marca una importante diferencia en el litigio. Somos conscientes de que el principal objetivo es proteger su libertad, su familia y su profesión. Durante años hemos solucionado satisfactoriamente los problemas jurídicos de nuestros clientes. Nuestras habilidades estratégicas acumuladas en numerosos casos criminales ante los tribunales serán su principal activo.

    Esteban Abogados es un despacho de Abogados Penalistas con actuación en todo el país. Está dirigido por Marco Esteban, Abogado Penalista y Master en Derecho Penal, con una exitosa trayectoria profesional en la defensa de procedimientos penales. Somos una firma altamente especializada y dedicada exclusivamente al derecho penal. Nos ocupamos de todo tipo de delitos y contamos con una dilatada experiencia en la resolución de procesos en las diferentes instancias de la jurisdicción penal.

    La experiencia nos muestra que la aportación de un abogado penal experto marca una importante diferencia en el litigio. Somos conscientes de que el principal objetivo es proteger su libertad, su familia y su profesión. Durante años hemos solucionado satisfactoriamente los problemas jurídicos de nuestros clientes. Nuestras habilidades estratégicas acumuladas en numerosos casos criminales ante los tribunales serán su principal activo.

    Preguntas Frecuentes

    Preguntas Frecuentes

    ¿En qué momento del procedimiento penal debe contratar a un abogado penalista?

    Inmediatamente y antes de hacer nada más. Al igual que en un caso médico, los problemas que se abordan temprano tienen más posibilidades de resolverse satisfactoriamente.

    ¿Es mejor contratar a un abogado que se dedique exclusivamente al derecho penal?

    El derecho penal es una disciplina compleja y en constante cambio, que requiere de una dedicación total para dominarlo. Sus posibilidades de éxito serán mayores con un abogado penal especialista.

    ¿Qué debe hacer si le acusan de haber cometido un delito?

    Consultar con un abogado penalista antes de realizar cualquier acción o hablar con nadie. Si actúa sin asesoramiento profesional, puede cometer errores estratégicos que posteriormente tendrán un impacto negativo en el procedimiento judicial.

    ¿Merece la pena contratar a un abogado penal si soy inocente?

    Es preferible contratar a un abogado penalista especializado aunque sea inocente. En ocasiones los inocentes son condenados.

    ¿Es recomendable contratar a un abogado criminalista si la acusación contra mí no es muy grave?

    Es un error pensar que una acusación penal es poco grave. Una condena, aunque parezca de escasa entidad, puede tener consecuencias en el futuro, como un castigo más severo en una segunda condena.

    ¿Es posible cambiar de abogado penalista si ya cuento con uno en el proceso penal?

    Tiene derecho a cambiar de abogado penal, tanto si es particular como si es de oficio, en cualquier momento.

    ¿Es confidencial todo lo que le diga al abogado penalista?

    Es confidencial por ley. La constitución protege las comunicaciones entre cliente y abogado. Ni los tribunales ni la administración pueden obligar a un acusado o a un abogado a revelar los contenidos de sus conversaciones.

    No trabajamos a comisión, aunque el pago de nuestros honorarios puede hacerse de forma flexible y personalizada.

    ¿En qué situaciones pueden defenderme?

    En Esteban Abogados Penalistas, podemos asumir su defensa si se encuentra en alguna de estas situaciones:

    • Ha sido llamado a declarar por la policía
    • Ha sido llamado a declarar por el juzgado
    • Ha sido convocado a un juicio rápido
    • Ha sido denunciado o querellado
    • Ha sido detenido
    • Está o va a estar convocado a un juicio penal
    • Ha sido condenado en sentencia y quieres recurrir
    • Tiene una condena firme en fase de ejecutoria
    • Quiere interponer una denuncia o querella

    Gatta orfana trova una nonna con i baffi uguale a lei che le fa scoprire il mondo – La Stampa, una lei.

    #Una #lei

    La foto che commuove: un incendio gli distrugge la casa, lanziano stringe al petto il gatto salvato

    Una lei

    Gatto randagio ringrazia con un massaggio colei che lo ha salvato dalla strada

    Gatto eredita 30 mila euro e ora mangia gamberetti a pranzo e cena

    Gatto randagio ora lavora in un salone di bellezza offrendo coccole a tutti i clienti

    Una lei

    Cane troppo ansioso per stare a casa da solo ritrova la sicurezza grazie a un gatto

    Gatto orfano intossicato viene salvato prima che sia troppo tardi

    Una lei

    Gatto nasce quattro giorni dopo i fratelli ma supera tutte le difficoltà grazie alla sua supermamma

    Una lei

    Un gatto randagio diventa la “guardia di sicurezza” nel negozio della donna che lo ha salvato

    Una lei

    A Istanbul va in scena una rassegna cinematografica dedicata ai gatti

    Una lei

    Lincredibile trasformazione del gatto nato con lanemia e il soffio al cuore

    Una lei

    Gatta orfana trova una nonna con i baffi uguale a lei che le fa scoprire il mondo

    Una lei

    Ridotta a pelle e ossa, lunga poco più di un cotton fioc. Questa piccolissima gattina è stata trovata da sola, affamata e ricoperta di sporcizia in un vicolo del Québec. Una donna è stata attirata dal suo miagolio disperato. E vedendo che aveva urgente bisogno di aiuto, l’ha portata al Chatons Orphelins Montréal.

    Una lei

    Pastille era tutta sporca, tramante, e sicuramente «non mangiava da un po’. Appena le abbiamo portato del latte, si ci è praticamente tuffata dentro». La gattina ha ottenuto un bagno caldo, le visite di routine e si è subito dimostrata un bel peperino, nonostante fosse molto piccola.

    Una lei

    Era tanto desiderosa di stare al caldo ma soprattutto di essere amata. E nella sua casa d’accoglienza ha trovato tutto quello di cui aveva bisogno, a partire da una nonna gatta di 16 anni, che ha iniziato subito a prendersi cura di lei.

    Nonna Marscha è sempre molto attenta ai piccoli gattini in difficoltà. E con Pastille ha dimostrato da subito un legame speciale. Nonostante la differente stazza, le due gatte si somigliano molto: hanno la stessa pelliccia e lo stesso sguardo. Sono una squadra incredibile.

    Una lei

    La mini Marscha sta imparando tutto dalla nonna, e copia ogni cosa che lei fa. E insieme sono dolcissime: la nonna si dimostra paziente e premurosa, e non fa mai mancare a Pastille le attenzioni – e i bagnetti – di cui ha bisogno, insegnandole a camminare sulle sue zampe.

    Una lei

    «Pastille è una grande esploratrice. La troviamo nei luoghi più impensabili»», racconta la sua famiglia affidataria, che si prenderà cura di lei finché non sarà abbastanza grande per essere adottata. ««E la nonna è molto fiera dei suoi successi».

    Una lei

    Come funziona la donazione di un immobile, come funziona la donazione di un immobile.

    #Come #funziona #la #donazione #di #un #immobile

    Donazione. Cos’è, come si fa e cosa comporta

    La forma del contratto per la donazione è molto importante, e bisogna trovare le soluzioni giuridiche più adatte a evitare future complicazioni.

    Di cosa si tratta

    La donazione è il contratto con cui per spirito di liberalità una persona arricchisce l’altra: lo fa disponendo a favore di un’altra persona un suo diritto, o assumendo verso di lei un’obbligazione.

    La forma del contratto

    Visto che una volta conclusa di solito è irrevocabile per una delle due parti coinvolte, è essenziale che la donazione sia fatta con la forma del contratto: deve essere conclusa sotto il controllo del notaio per atto pubblico, con due testimoni. In questo senso, il consiglio dal notaio è utile soprattutto per trovare le soluzioni giuridiche più adatte a evitare futuri contenziosi (per esempio, familiari) o problemi legati alla cosiddetta «commerciabilità» dei beni donati.

    Elementi essenziali

    Elementi essenziali della donazione sono due:

    • lo spirito di liberalità
    • arricchimento del donatario.

    Come si fa

    La forma della donazione è molto importante. Come detto, deve essere conclusa con un atto pubblico in presenza di due testimoni.

    La necessità dell’atto pubblico è dovuta

    • dall’importanza dell’atto di donazione
    • per gli effetti sul patrimonio di chi dona (e dunque si priva di qualcosa).

    Infatti chi dona deve essere non solo presente a se stesso, ma consapevole dell’atto che sta facendo e di tutte le conseguenze che ne derivano. Anche per questo, la consulenza preliminare del notaio è d’aiuto.

    Cosa comporta

    La donazione è uno strumento con cui si può rispondere a necessità e interessi diversi.

    Questo, grazie a clausole specifiche ( «condizioni» o «oneri»): per esempio, una persona può donare all’altra una casa, che allo stesso tempo accetta di prestarle assistenza.


    Fra i casi più comuni, la donazione di un immobile «con riserva di usufrutto a vantaggio del donante». In sostanza, si dona la casa a qualcuno, ma fino alla propria morte (o un’altra scadenza) si mantiene il diritto di usarla: in questo periodo chi lha donata potrà dunque viverci o riscuotere l’affitto, ma allo stesso tempo dovrà anche pagarele spese ordinarie o le imposte.

    Quando può essere revocata

    La donazione può essere revocata per alcune cause tassative di natura etico-sociale.

    • ingratitudine di chi riceve la donazione: nel caso in cui commette atti gravi nei confronti di chi gli ha fatto la donazione o del suo patrimonio
    • «sopravvenienza di figli»: se chi ha fatto la donazione ha figli o discendenti (anche se scopre di averli dopo la donazione).

    Se la donazione è fatta a persone che avrebbero diritto a ricevere un’eredità da chi dona, è considerata anticipo di eredità: significa che quando scomparirà chi ha fatto la donazione, questa donazione rientrerà nella quota di eredità.

    Tutela degli eredi legittimari

    Riguardo al rapporto tra la donazione e la futura successione di chi fa la donazione, bisogna sempre tenere conto che la donazione è un atto «a rischio»: può mettere a repentaglio la successiva circolazione dei beni donati, oppure rendere difficile un finanziamento da loro garantito.

    La legge tutela infatti alcune categorie di familiari (i cosiddetti legittimari), e gli riserva una quota di eredità (legittima) anche contro la volontà espressa nella donazione da chi è scomparso.

    Rientrano in queste categorie i discendenti (figli e nipoti), gli ascendenti (genitori, nonni e così via) e il coniuge.

    Anche se valide ed efficaci, se le donazioni al momento della morte di chi le ha fatte risultano contrarie ai diritti di un «legittimario», questo potrà agire in giudizio per renderle inefficaci si tratta dell’azione di riduzione).

    La tutela del legittimario può coinvolgere anche altre persone (terzi) che hanno acquistato diritti da chi ha fatto la donazione (comprese le banche che per la concessione di un mutuo hanno ricevuto in garanzia un immobile che è stato donato). Infatti se chi fa la donazione non ha beni sufficienti per soddisfare le pretese dell’erede, si può chiedere la restituzione del bene all’acquirente stesso, che a sua volta potrà liberarsi con il versamento di una somma corrispondente (azione di restituzione).

    Il ruolo del notaio

    Come visto, nel caso della donazione lo scenario può essere piuttosto complicato, soprattutto a causa di implicazioni e complicazioni (anche proiettate nel futuro).

    È il motivo per cui vi consigliamo sempre di rivolgervi a noi con un certo anticipo, così da potervi consigliare al meglio sulle soluzioni più adatte per evitare imprevisti, e fare la donazione nella maniera (e con gli effetti) desiderati.

    Come intendiamo il lavoro del notaio? Aiutarvi a chiarire le idee e a scegliere per il meglio.

    Per questo, consulenze e risposte non costano nulla.

    Chiamateci (+39 02 55017906 o su Skype). Oppure scriveteci un’email, così vi richiamiamo noi.

    E se avete un dubbio e la nostra risposta può essere d’aiuto anche ad altri, lasciate una domanda qui, o su Facebook.

    Term Life Insurance Quotes Online – Instant – Private Quotes, online life insurance quotes.

    #Online #life #insurance #quotes

    Find the best life insurance rates, instantly.

    Term Life Insurance Quotes

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    Instant Life Insurance Quotes Made Easy

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    Privati – Multicanalit, Banca Sella, prestiti tra privati.

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    Prestiti tra privati

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    E’ il servizio a pagamento che ti permette di ricevere direttamente sul tuo cellulare un avviso ogni volta che viene effettuato un acquisto o un prelievo di contante su circuito internazionale con la tua carta.

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    SMS conti

    Notifica autenticazione è un SMS che ti avvisa tutte le volte che ti autentichi online con il tuo Codice Cliente ai Servizi Telematici, ai servizi di Mobile Banking e alla piattaforma di trading “Sella Extreme”.

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    Il servizio permette di ricevere direttamente sul tuo cellulare il saldo e gli ultimi due movimenti effettuati sul tuo conto corrente.

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    Arizona Car Insurance Rates Compared, insurance rates car.

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    Auto Insurance – Expensive in Arizona?

    There are many factors that determine how much your auto insurance will be. You can be certain that car insurance premiums in Arizona take into account the fact that the state has high rates of vehicle theft. Additionally, the city in which you live, your age, your gender, your driving history, how far you commute, other drivers in the household, and yes, even your credit rating, all factor into your Arizona auto insurance rate.

    I have yet to see two surveys that arrive at the same statistics, but generally, auto insurance rates have declined in Arizona which used to be considered one of the most expensive states in which to purchase auto insurance. According to, Arizona actually ranks 37th (2015 state rankings) for auto insurance rates. That s a good thing! The annual premium for the most expensive state for auto insurance, Michigan, was $2,476. The national average was $$1,311. Arizona s average annual premium was $1,103.

    Shopping For Car Insurance

    Check when your current policy expires. At least one month before the renewal date should give you enough time to make a decision on your car insurance without being pressured.

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    Auto insurance is a major annual expense, so it makes sense to shop and make informed decisions about the company you choose. I hope your search leads you to better coverage at a better price!

    All dates, times, prices and offerings are subject to change without notice.