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557 Marksbury Road Pickering Open House Video Tour. ) Video

557 Marksbury Road Pickering Open House Video Tour, NEF2.COM

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557 Marksbury Road Pickering Open House Video Tour

557 Marksbury Road Pickering Open House Video Tour, NEF6.COM

557 Marksbury Road Pickering Open House Video Tour

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For Sale by Owner 5 Costly Mistakes to Avoid!! + Video

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For Sale by Owner 5 Costly Mistakes to Avoid!

For Sale by Owner 5 Costly Mistakes to Avoid!, NEF6.COM

For Sale by Owner 5 Costly Mistakes to Avoid!

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GILTI As Charged: Part 1 Explaining GILTI and Imputed Income! @ Video

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GILTI As Charged: Part 1 Explaining GILTI and Imputed Income, NEF2.COM

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GILTI As Charged: Part 1 Explaining GILTI and Imputed Income

GILTI As Charged: Part 1 Explaining GILTI and Imputed Income, NEF2.COM

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Inexpensive auto insurance “0,92” 2400 “419,37”. # Video

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Public liability insurance for self employed? ~ Video

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public liability insurance for self employed, NEF2.COM

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Kredit fra Ferratum – lån med rekordfart!

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Kredit info

Hvad kan du bruge din kredit til?

Du bestemmer helt selv hvad du vil bruge din kredit til – Ferratum blander sig på ingen måde i dette. Om du bruger pengene til månedlige udgifter, ubetalte regninger eller en gave til din mormor betyder ikke noget for os. Vi går til gengæld op i at give dig lidt ekstra luft i økonomien, som forhåbentlig kan gøre hverdagen lidt lettere. Med en kredit får du en kreditramme, som var det en kassekredit, som du kan trække på, når du har brug for det. Det smarte er, at du kun skal betale, når du bruger af den. På den måde er det langt mere fleksibelt end med et almindeligt lån. Med kredit får du også tildelt en lavere rente end ved et almindeligt mikrolån.

Med kredit får du derfor luft i økonomien, og har mulighed for at have noget at trække på, hvis det bliver lidt trangt med pengene i løbet af måneden. Hvor stort et beløb du ønsker at have på din kassekredit, bestemmer du selv. Vi giver dig mulighed for at optage en kredit på op til 15.000 kr. Det eneste vi foretager os på baggrund af din ansøgning til kredit er en kreditvurdering. Kreditvurderingen bliver foretaget hurtigt, og du får i løbet af næsten ingen tid, stillet pengene til rådighed.

Hvis du har behov for, at trække hele din kredit ud i ét beløb, er dette også en mulighed. Dette gør denne form for lån mere fleksibel at bruge, da den kan tilpasses efter dine behov, i den pågældende måned.

Få en kassekredit uden at stille sikkerhed

Med en kredit hos Ferratum, også kendt som kassekredit, behøver du ikke stille sikkerhed. Dette betyder, at vi ikke tager pant i din ejendom for at kunne tilbyde dig et lån eller kredit hos os. Dette gør vores kredit endnu mere fleksibel og nem at optage for vores kunder.Har du brug for lidt mere info inden du ansøger eller opretter din egen kredit hos os? Se videoen her, der forklarer Ferratum Kredit på blot 2 minutter.

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Pisos de bancos en venta y alquiler, Pisos embargados, pisos de particulares.

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Nuevas casas de bancos en España

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Noticias sobre pisos de bancos

Por quГ© los bancos acaparan las subastas inmobiliarias

Debido a las ejecuciones hipotecarias, que cada vez son más numerosas, el número de pisos que entra en subasta aumenta año tras año. La principal característica de las subastas es que los pisos que se incorporan a estas tienen los precios muy rebajados puesto que proceden en su mayor parte de embargos.

A pesar de que en teoría cualquier ciudadano puede acceder a las subastas inmobiliarias, lo cierto es que los bancos terminan acaparando todo el material que sale. Y lo logra por medio de sus filiales inmobiliarias.

Desde Pisos de bancos queremos expli.

Las mejores hipotecas del mes para comprar pisos de bancos

Comprar pisos de bancos puede ser una auténtica oportunidad para obtener un buen inmueble. Sin embargo no sirve de nada si no disponemos de una hipoteca que nos permita hacer frente a este gasto.

Desde Pisos de bancos hemos querido reunir las mejores hipotecas del mes de enero para comprar uno de estos pisos. Si quieres saber más al respecto no dudes en leer el siguiente artículo.

Las dos mejores hipotecas al cien por cien para comprar pisos de bancos

La hipoteca Altamira del banco de Santander

El banco de Santander tiene una de las me.

CГіmo vender pisos de bancos

Vender pisos de bancos requiere conocimientos. Y según el presidente de magnun & partners, una de las principales consultoras inmobiliarias españolas (y que ayuda a los bancos a que sus pisos se vendan) existen una serie de claves para conseguirlo.

En Pisos de bancos vamos a explicártelas. ¿Te gustaría conocerlas? En ese caso, sigue leyendo.

Mutuo Inpdap Prima Casa 2018 Acquisto, Costruzione, Ristrutturazione, mutui prima casa on line.

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Mutuo INPDAP Prima Casa

L’INPS offre ai dipendenti e pensionati pubblici e statali la possibilità di richiedere mutui ipotecari edilizi per l’acquisto, la costruzione o la ristrutturazione della prima casa.

Regolamento Mutui INPDAP Prima Casa 2018

L’INPDAP è stato soppresso e a partire dal 1° gennaio 2012 è confluito nell’INPS, che ne è subentrato in tutte le funzioni e competenze.

Finalità e importo

Il regolamento dei mutui INPS ex INPDAP impone alcuni limiti alla finalità per cui può essere richiesto il finanziamento. Il mutuo può infatti essere richiesto solamente per l’acquisto o costruzione della prima casa, per finanziare lavori di manutenzione o ristrutturazione della prima casa, oppure per la costruzione o acquisto di un box auto o di un posto auto. Ci occuperemo qui solamente delle prime due possibilità.

Mutuo acquisto prima casa

Il finanziamento può essere richiesto all’INPS per acquisto prima casa, assegnazione da società cooperative in proprietà divisa, costruzione in proprio, completamento e/o ampliamento su terreno di proprietà, di un alloggio non considerato abitazione di lusso (come definito dal DM n. 1072 del 2 agosto 1969) e destinato a residenza dell’iscritto e del suo nucleo familiare.

Mutuo manutenzione o ristrutturazione prima casa

Chi può richiederlo

Il mutuo ipotecario edilizio INPS ex INPDAP per l’acquisto, la costruzione o la ristrutturazione della prima casa può essere richiesto da:

  • dipendenti pubblici e statali in attività di servizio iscritti alla Gestione unitaria delle prestazioni creditizie e sociali, con una anzianità di iscrizione non inferiore a 1 anno e titolari, al momento della domanda, di contratto di lavoro a tempo indeterminato
  • pensionati pubblici e statali iscritti alla Gestione unitaria delle prestazioni creditizie e sociali con anzianità di iscrizione non inferiore a 1 anno


Esistono alcuni requisiti da rispettare per poter richiedere il mutuo INPDAP:

  • deve trattarsi di prima casa, e non deve essere considerata “casa di lusso” secondo quanto previsto dal DM 1072/1969
  • la casa oggetto del finanziamento deve essere libera e disponibile
  • la casa deve trovarsi sul territorio italiano
  • l’iscritto e il suo nucleo familiare (cioè coniuge non separato legalmente per effetto di intervenuta sentenza o di decreto di omologazione del verbale di separazione consensuale, figlio o figli fiscalmente a carico) devono trasferire la loro residenza nella casa oggetto del mutuo
  • la casa non deve essere gravata da garanzie reali
  • l’iscritto alla Gestione unitaria delle prestazioni creditizie e sociali e i componenti del nucleo familiare non devono essere proprietari di un’altra abitazione in Italia, salvo alcune eccezioni previste dal regolamento (proprietà di altro immobile che però è stato assegnato all’altro coniuge dopo la separazione; case ricevute per donazione o eredità ma non fruibili in quanto già gravate da diritti reali di godimento da almeno 5 anni; proprietà di abitazioni in misura pari o inferiore al 50%; proprietari di altra casa dichiarata inagibile a seguito di calamità naturali; solo in caso di disponibilità finanziarie residue per l’erogazione dei mutui, anche immobile ad almeno 150 km di distanza).


La durata varia a seconda dell’età del richiedente. Per i dipendenti e pensionati pubblici e statali che hanno meno di 65 anni compiuti al momento della presentazione della domanda, la durata può essere di 10, 15, 20, 25 o 30 anni.

Tasso di interesse fisso o variabile

I mutui ipotecari edilizi per gli ex INPDAP offrono due possibilità per quanto riguarda i tassi di interesse:

  • Mutuo a tasso fisso pari al 2,95% per tutta la durata del finanziamento (per le richieste entro il 1/9/2017), oppure calcolato in base al nuovo metodo del loan-to-value per le richieste dal 1/9/2017 in poi (consulta la tabella del tasso in base al LTV).

Calcolo rata e simulazione piano di ammortamento

Il rimborso del debito avviene mediante il pagamento di rate semestrali costanti e posticipate, calcolate in funzione dell’importo, della durata e del tasso di interesse. Si tratta del piano di ammortamento alla francese, in cui le rate hanno sempre lo stesso importo e sono comprensive di una quota capitale e di una quota interessi.

Ipoteca sulla prima casa

Trattandosi di mutui ipotecari edilizi, è prevista l’iscrizione di un’ipoteca di primo grado sull’immobile da acquistare o già acquistato o sull’area su cui verrà costruita o su cui si sta costruendo la prima casa.

Polizza assicurazione prima casa

Il mutuatario, cioè l’iscritto ex INPDAP che ha richiesto il mutuo, è obbligato a stipulare una polizza di assicurazione sulla casa oggetto del finanziamento, e già costituito in garanzia ipotecaria, contro i rischi di incendio, fulmini, scoppi.

  • perdita involontaria di impiego
  • invalidità permanente totale a seguito di Infortunio o malattia
  • inabilità temporanea totale di lavoro a seguito di infortunio o malattia

Disponibilità di budget e graduatorie

I mutui ex INPDAP vengono erogati in base alla disponibilità di fondi stanziati annualmente. Questi fondi vengono poi ripartiti tra le varie direzioni regionali ogni quadrimestre e le eventuali disponibilità di denaro non utilizzate in un determinato quadrimestre vengono aggiunte a quelle del quadrimestre successivo.

Domanda on line

  • dal 1° al 10 gennaio per il primo quadrimestre
  • dal 1° al 10 maggio per il secondo quadrimestre
  • dal 1° al 10 settembre per il terzo quadrimestre

Per richiedere il mutuo bisogna essere registrati all’area riservata agli iscritti sul sito, e per accedere sono necessari il codice fiscale e l’apposito PIN. Nell’area riservata è disponibile tutta la documentazione necessaria per presentare la richiesta.

Surroga o portabilità

Estinzione anticipata

In ogni momento durante la durata del finanziamento, l’iscritto ha la possibilità di effettuare il rimborso anticipato del debito. È quindi possibile estinguere parzialmente o totalmente il debito residuo con pagamento in un’unica soluzione, senza che questo comporti alcuna penalità.

Pagamento rate

Il pagamento delle rate per il rimborso del debito avviene mediante bollettino MAV.

Viaggi in pullman: tour di gruppo in Italia ed Europa al miglior prezzo, offerte viaggi europa.

#Offerte #viaggi #europa

Viaggi in pullman: tour di gruppo in Italia ed Europa al miglior prezzo

Viaggi in pullman: tour di gruppo in Italia ed Europa al miglior prezzo

Viaggi in pullman: perché sceglierli

I viaggi in pullman sono diversi da qualsiasi altro viaggio, sono un vero e proprio stile “di vacanza”. Sono sempre di più, infatti, le persone che scelgono di affidarsi ai viaggi in pullman organizzati sia per una semplice gita fuori porta, sia per viaggi organizzati in Italia o in Europa.

Vi siete mai chiesti il perché? I viaggi in bus non sono solo viaggi organizzati di gruppo. Sono molto di più:

  • – sono condivisione: di passioni, di esperienze, di momenti, di risate. E di tutto quello che un viaggio in pullman in compagnia può regalare alla vostra vacanza;
  • – sono conoscenza, perchè si ha la possibilità di gustare ogni singolo istante. Quante volte durante una gita con un pullman gran turismo vi è capitato di perdervi a guardare fuori dal finestrino? Anche questo è un modo per scoprire luoghi nuovi, che magari in altre occasioni o situazioni di viaggio sarebbero rimasti nascosti. È una scoperta diversa, speciale, unica;
  • – sono comodità: non pensi a niente. Ma veramente a niente. Non devi guidare per molte ore e non rischi la stanchezza “da guidatore”, non devi impazzire a cercare parcheggio, arrivi nei punti più comodi da cui partire per il tuo tour organizzato alla scoperta del luogo che devi visitare;
  • – sono convenienza (che in una vacanza non guasta mai!) perché permettono di risparmiare su costi come quelli dei parcheggi a pagamento o dei taxi-navetta per spostarsi da un aeroporto magari fuori mano al centro città. Con i viaggi di gruppo organizzati risparmi… e ti diverti.

Renta de cuartos, se renta recamaras, renta cuarto amueblado, cuarto baño.

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miйrcoles, 17 de enero de 2018

Clasificados de BR Rentar HABITACION DE RENTA

se comparte baсo y cocina. $350 mensual y $150 depуsito. en casa en norte de dallas entre royal ln y webb chapel. tel:469-866-6486

hielera, cama y mбs cerca del centro. informes 210-639-1548.

amoblado, biles pagados. para mбs informaciуn, llamar despuйs del mediodнa al 210-744-7078

cйntrico y con billes incluнdos. interesados al 210-902-4194 o 210-264-2803

bills, wifi, abanico, a/c, $130 deposito, baсo compartido con 2 cuartos, no incluye muebles, no fumar, no mascotas, cocina compartida, habla y/o manda texto. llame al 210-714-0941.

bills, wifi, abanico, a/c, $130 deposito, baсo compartido con 2 cuartos, no incluye muebles, no fumar, no mascotas, cocina compartida, habla y/o manda texto llame al 210-714-0941.

amueblado y con aire acondicionado. baсo y cocina compartidos. $60 semanales! mas info al 210-374-2425.

para una persona $370 .00 mensual . no vicios . tel. 210-287-4875.

para dama у caballero.todo amueblado. solamente personas interesadas al 832-507-4883 adelia.

mayor, responsable y honesta. $450 mesual con bills pagados. llamar al 281-223-8226 en spring tx, 77373

compartir casa, la persona debe no tener ningъn vicio y no record criminal. no chequeamos record de mal crйdito. es para vivir con familia. interesados llamar al 832-894-8550 preguntar por sara.

limpio!! requisitos: no fumar ni tomar, tener carro y trabajo. barrio tranquilo, бrea howard dr y galvenston rd, houston. llamar al 713-836-0478

area veteran memorial/ beltway 8. tel 281-312-9539

con servicios incluнdos para una persona. $460 mensuales. area antoine/249. informes 713-409-2820

para mujer sola, buen ambiente familiar. llamar por favor al 832-878-1129

entre kirwood y bellaire, interesados llamar al 713-657-5063

para persona sola. бrea 59 y el 8. $450.00 al mes, $100 deposito. comunicarse al 832-785-5870.

o pareja responsable. con recбmara nueva incluida. llame hoy al 832-276-2203

en $325 al mes. 832-421-0566

muy cerca de sugarland voicemail o text al 713-540-7295

por el бrea orem y south post oak informaciуn al 832-387-0956

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Viajes baratos a Egipto – Ofertas viajes Egipto – Karnak Travels, viaje turquia.

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4 Noches Crucero Nilo P/C + 3 Noches El Cairo A/D Incluído.

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Chollo Escapada a Egipto Incluido Crucero Nilo y Cairo con visitas

4 Noches de Crucero Nilo Incluído visitas, entradas, traslados y Excursiones + 3 Noches en El Cairo incluído vuelos, tasas, visitas,

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Maravillas del Nilo y Cairo 11 días

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Cronicas del Nilo incluido Excursion de Abu Simbel

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Egipto Clásico con Extension Mar Rojo incluído régimen de todo incluído Hurgada

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Egipto Todo Incluido, un viaje para disfrutar

4 Noches de Crucero Nilo en régimen de pensión completa sin bebidas, incluído excursiones de Crucero + la excursión de Abu Simbel por carretera + 3 Noches en El Cairo en régimen de pensión completa incluído Pirámides de Giza con la entrada de la Pirámide de Kefren o Micerino + la excursión de Memfis y Sakara, la Excursión del Museo de El Cairo, Mezquita de Alabastro, Barrio Copto y Mercado del Khalili, la excursión del Cairo Nocturno con paso por el Cairo Medieval, islámico, el Café histórico de los espejos y paseo por el mercado del Khalili

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Maravillas de Nilo, Mar Rojo 15 dias combinado Crucero Nilo , Cairo y Hurgada

7 Noches de Crucero Nilo P/C + 4 Noches Hurgada M/P + 3 Noches Cairo A/D. Incluído visistas de Crucero, traslados y guía de habla hispana

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1 Noche en Luxor en regimen de media penssion + 4 Noches de Crucero Nilo en regimen de pension completa + 3 Noches en Cairo en regimen de alojamiento y desayuno + vuelos y tasas

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Gran viaje para visitar las Maravillas del Nilo y Petra. Estancia de 01 noches en Amman + 02 noches en Petra + 03 noches de Crucero por el Nilo + 3 noches en El Cairo. Incluye vuelos, tasas y excursiones.

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Maravillas de Egipto y Jordania

Gran Viaje y lo más completo para visitar Egipto y Jordania 4 Noches Crucero Nilo en Pension Completa + 3 Noches en El Cairo + 3 Noches Amman + 2 Noches Petra + 1 Noche en el Desierto Wadi Rum + 1 Noche en Mar Muerto

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Our agents can help to analyze your particular needs based on your lifestyle determining the precise levels of coverage you need.

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Cheapest Car Insurance in Oregon, auto insurance oregon.

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Such a nature-loving state as Oregon knows that the weather is always changing. The same goes for driving laws and regulations, and this list of pertinent Oregon driving facts will help the state s drivers find some peace and quiet in the car insurance search.

Minimum Requirements for Car Insurance in Oregon

  • Oregon requires all vehicles to maintain Liability, Personal Injury and Uninsured Motorist Insurance on all Oregon-registered vehicles. The state Department of Motor Vehicles (DMV) has produced a helpful brochure entitled Consumers Guide to Car Insurance for residents looking to insure their vehicle.
  • Liability and Uninsured Motorist minimums:
    • $25,000 per individual.
    • $50,000 per accident involving injury.
    • $25,000 per accident to cover property damages.
  • Personal Injury Protection minimums:
    • $15,000

New Driver Licensing Requirements

  • All drivers in Oregon must possess a drivers license to operate a vehicle within the state. New drivers ages 15 to 17 may apply for a Provisional Permit to gain more driving practice before applying for a full license. With this permit, the driver is restricted to driving only with a licensed driver who is 21 years old, has held a license for at least 3 years and occupies the seat next to the driver. The applicant must:
    • Pass the knowledge test and the vision screening
    • Maintain the permit for at least 6 months
    • Must either complete a driver education course and 50 hours of driving, OR,
    • 100 hours of driving
    • Cell phone use (handheld, hands-free and texting) is prohibited.
  • Provisional License. This license holds several restrictions and requirements:
    • First 6 months:
      • The applicant may not carry unrelated passengers under age 20.
      • The applicant is restricted from driving between 12am and 5 am.
    • Second 6 months:
      • The passenger requirement is limited to 3 unrelated passengers under the age of 20.
      • The applicant is restricted from driving between 12am and 5 am.
    • Cell phone use (handheld, hands-free and texting) is prohibited
  • Once the applicant has satisfied the requirements for the permit and the provisional license, he/she may apply for a full Class C License.
  • Vision Screening. Oregon tests driver s eyesight when getting a new license and at every 8-year license renewal after reaching age 50. A visual acuity of 20/70 and field of vision of at least 110 degrees is required to pass the test. Daylight driving restrictions may be given to applicants with a visual acuity between 20/40 and 20/70. Corrective lenses may be worn.
  • Written Test. Applicants test their knowledge of the Oregon Driver s Manual on the written test. The DMV offers two practice tests on their website.
  • Road Test. The Oregon Driver s Manual outlines the skills needed to pass the test. The applicant must furnish the vehicle, and the vehicle must be safe, registered and insured. The road test requires the applicant to demonstrate various driving skills while controlling and maneuvering his/her vehicle safely.
  • Upon failing the driving test, applicants under 18 years of age must wait 28 days to re-take it, and drivers 18 and over must wait 7 days.
  • Fees. The fees for Oregon driver licensing:
    • Regular Class C: $60
    • Instruction Permit: $23.50


  • BAC limit: .08Oregon Law outlines the following penalties for an Oregon DUI conviction:
  • First Offense:
    • Jail: 48 hours to 1 year
    • License suspension: 1 year
    • Fine: maximum $2,000
    • Ignition Interlock Required
  • Second Offense within 10 Years:
    • Jail: maximum 1 year
    • License suspension: 3 years
    • Fine: $2,000 to $10,000
    • Ignition Interlock Required
  • Third Offense within 5 Years:
    • Jail: maximum 5 years
    • License suspension: permanent suspension
    • Fine: $2,000 to $10,000
  • Refusals have the following penalties:
    • First offense: 1-year suspension and $1,000 maximum fine
    • Second Offense: 3-year suspension and $1,000 maximum fine
    • Third Offense: 3-year suspension and $1,000 maximum fine
  • Oregon holds to a Zero Tolerance Law with underage drinking and driving convictions.

Texting Driving Laws Oregon has banned all cell phone use from novice drivers, and texting and handheld use has been banned from all drivers.

Unique Laws

The law is always trying to find those loose ends to tie up. One law that demonstrates this is the Oregon statute that states no deceased person may serve on a jury. In Portland, it is unlawful to wear roller skates in a restroom, and, having something to do with those roller skates, it is unlawful to perform a wedding at a roller skating rink. As long as one doesn t box with a kangaroo or whistle while underwater, driving through Oregon can be trouble-free!


Best Cheap Car Insurance Quotes for Oregon

Multnomah County Car Insurance

The smallest county in the state by area, Multnomah County is Oregon s most populated, home to an estimated 736,000. Its port is one of the five largest auto import ports in the U.S., and the West Coast s leading exporter of grain and lumber. The county seat, and largest city in Oregon, is Portland, a city named after Portland, Maine, when it was settled in the 1830s.

A popular location for tourists, Portland is known for being environmentally conscious, with pedestrian and bike-friendly routes, farm-to-table restaurants and numerous public green space. Top attractions include Forest Park, the Portland Japanese Garden, Washington Park and International Rose Test Garden, where more than 500 varieties of roses have been continuously cultivated for more than 100 years.

Online Life Insurance Quotes, online life insurance uk.

#Online #life #insurance #uk

Life Insurance Quotes Online UK

Life Insurance Simplified

Life! It is a gift and it is something we need to enjoy at its fullest. However, we also must prepare for its ups and downs. Hence, the need for life cover. A life insurance policy will serve as one important component as you build a solid financial foundation for you and your family. In the event of your untimely death, your loved ones will not have to worry about their immediate needs and finances. If done right, your life insurance plan can replace the income you would have earned so that your family can have what they need.

But there are so many questions about getting life insurance: What kind of life insurance do I need? How much of it will be enough for my family? What’s a rider? How do I buy a policy?

Here, we will discuss the basics of life cover so that you can make an informed decision as to what works best for your unique situation and help you get a life insurance quote online.

What can life insurance be used to pay for?

Life insurance basically aims to provide funds to replace the income of the person being insured. Life insurance is used to pay for:

  • End of life expenses: One’s death may incur hospital bills, as well as funeral and burial expenses
  • Household expenses: Including the basics a family needs such as food, clothing, shelter and transportation expenses
  • Pay a debt: Can be used to pay up a mortgage
  • Fund children’s education: Your children won’t have to worry about giving up on college because of your death
  • Fund your retirement: Depending on how a life insurance is set up, one can use the cash values accumulated in the policy to help you have money for your retirement. This is only available for some selected life insurance policies.

How does it work?

Life insurance is like an umbrella – when it rains, you take out your umbrella to keep you dry from the storm. The same goes for life insurance. If you are covered with life insurance, when you die your beneficiaries will receive the death benefits (plus any other benefits provided by the policy and its riders). The life insurance policy will cover you for the duration of the term.

How can I buy life insurance?

To help you make this decision, all you need to do is discover the answer to the following questions:

Do you need life insurance?

Life insurance is ideal if there is someone who depends on your income or who will suffer financial/emotional loss at your death. For instance, a spouse, a child or aged parents may look to you to provide for their needs and daily expenses. In other cases, creditors will suffer financial loss in the event that buyer dies. Still another example would be a business partner finding it hard to keep the business afloat when you die. If there is no one counting on you such as the examples given above, then you really don’t need insurance. In a similar vein, if you have enough assets or savings which can provide for your dependent’s needs, then you may not need insurance.

How much insurance will you need?

This depends on how much you contribute to your household. Find out how much money your spouse and children need to live or to maintain a reasonable lifestyle. You may also deduct the amount of money that your spouse can contribute into the household fund. You can multiply the result by the number of years they will need the money. Also, add in major expenses such as payment for a mortgage or money for college. This will give you an idea of how much your dependents will need.

What kind of life insurance product should I choose?

In a nutshell, life insurance products will fall into two major categories: term life insurance and permanent life insurance.

Term life insurance provides temporary coverage. The insurance protection is provided for a specified period of time. Within this period, the policy will continue covering you as long as you pay the premiums. After the end of the coverage period, you may have the option to continue the policy by renewing it. With term, premiums are cheap at the onset (when you’re young and healthy) and may increase over time due to changing health conditions and other factors. The death benefits are only paid if the Insured dies within the coverage period.

Examples of term life insurance products include:

  • Yearly Renewable term. A policy that covers you for a year, after which you can opt to renew for the next policy year.
  • Level term life insurance. This provides level premiums and coverage for a specified period (say, 10 years). You can also opt to renew it after the guaranteed premium period (the time where premiums remain the same), but the policy may be up for review and your premiums may change.
  • Decreasing term life insurance. Basically used for covering a decreasing responsibility, such as a mortgage.
  • Increasing term life insurance. Term life insurance that increases its coverage periodically based on a specified percentage or index.

Permanent life insurance is, well, permanent. The payout is certain, whether the insured dies within the policy period or survives the coverage. That is why it is permanent – you always have your benefits with you. This is a much more expensive kind of policy, as it accumulates cash values. Meaning, aside from the life insurance cover, your beneficiaries potentially can receive additional funds from the cash value. Also, while you’re living you can make use of the cash values – you can take out a loan or pay premiums.

Examples of permanent life insurance:

  • Whole life insurance. This provides insurance coverage for the entire life of the Insured. It may also accumulate cash values which may be used by the Policy Owner while the Insured is living or which may be given to the beneficiaries on top of the basic death benefit.
  • Universal life insurance. This provides flexibility in terms of the premium structure. The Policy Owner can choose how much and when premiums will be paid.
  • Variable life insurance. This policy also accumulates cash value but it allows the policy owner to decide where he will invest the cash values.
  • What other benefits will I need?

    There are add-ons you can tack into your basic life insurance company. These are called riders. Some examples of riders include:

    • Waiver of premium rider, which waives all or some premiums if you become disabled.
    • Critical illness rider, which pays a specified amount if you are diagnosed with a critical illness.
    • Accelerated Death benefit rider, which pays a portion of the death benefit if you are diagnosed with a critical illness.
    • Accidental death benefit rider, which doubles the death benefit if the death is caused by an accident
  • How do I get the best deal?

    You can ask us for quotes from reputable insurance companies and we will gladly provide you with online life insurance quotes to help you compare and get the best deal. We’ll also facilitate the issuance of your policy so that buying life insurance is a no-hassle experience for you! For health insurance quotes, visit

    Some tips when buying your life insurance policy:

    Answer questions truthfully and completely when filling up the application form.

    Find an insurance company that has a good reputation and is financially stable. You can look at ratings agencies such as Standard and Poor’s or Moody’s for ratings on the financial strength of companies.

    When getting the policy, carefully read the policy’s terms and conditions to make sure that you know what you are covered for. You have a free-look period where you can opt to cancel the policy and the insurance company will refund all premiums.

    Check when the policy becomes effective. This is usually found at the summary of the policy.

    Keep your life insurance policy on a file that your beneficiary knows. This way, they won’t have to hunt for it when they will need to make a claim.

    Regularly review your policy to make sure that it is in line with your wishes and your current situation. Major life events (i.e. a marriage, a divorce, the birth of a child) can change your requirements with regards to the policy.

    To get your life insurance quote, please fill this form on the left.

    Fill in Life Insurance Quote Form

    Online life insurance uk Online life insurance uk Online life insurance uk Online life insurance uk Online life insurance uk Online life insurance uk Online life insurance uk Online life insurance uk

    Any facts, opinions and information on this site are for information purposes only and should not be regarded as financial advice or recommendation.

  • Synonyme, W – rterbuch – Spr – che, wörterbuch französisch deutsch.

    #Wörterbuch #französisch #deutsch

    Kostenloses multilinguales Wörterbuch und Synonymdatenbank

    Synonyme 1.317.078 Synonyme



    Wörterbuch französisch deutsch

    Ab sofort kannst Du mit Woxikon noch mehr verdienen. Für jedes von Dir hochgeladene Schul-Referat zahlen wir Dir 3 Euro. Es können beliebig viele Referate hochgeladen werden.

    Wir zahlen 3 x pro Woche via Banküberweisung, PayPal oder Skrill auf ein Konto Deiner Wahl aus.

    Wörterbuch französisch deutsch

    Ab sofort kannst du mit Woxikon bares Geld verdienen! Für jedes Synonym, dass Du uns meldest, bekommst Du Punkte, die Du sofort in Bargeld umtauschen kannst.

    Damit hilfst Du nicht nur anderen Nutzern passende Synonyme zu finden sondern tust auch etwas für deinen Geldbeutel.

    Wörterbuch französisch deutsch

    Ab sofort findest du bei Woxikon umfassende Grammatik-Kompendien für 7 verschiedene Sprachen, darunter Deutsch, Englisch, Französisch, Spanisch, Portugiesisch, Italienische und in Kürze auch Latein.

    Jedes Kompendium umfasst lehrreiche Übungen mit Lösungen

    Wörterbuch französisch deutsch

    Was passiert aktuell bei Woxikon?

    Erfahre mehr zum neuen Design, das nach und nach in allen Bereichen eingeführt wird, zu der neu gestalteten Startseite, der geplanten mobilen Version, dem von vielen Usern gewünschten Bonussystem zum Geld verdienen und weiteren Features, die aktuell umgesetzt oder für die Zukunft bei Woxikon geplant sind.

    Willkommen bei Woxikon!

    Woxikon startete als einfaches Wörterbuch, doch entwickelte sich in ein großes Lexikon von Übersetzungen, Synonymen, Reimen, Abkürzungen und vielem mehr.

    Woxikon ist ein multilinguales Wörterbuch und Lexikon von Übersetzungen, Synonymen und Abkürzungen. Der Online-Übersetzer kann zwischen Deutsch, Englisch, Französisch, Spanisch, Italienisch, Portugiesisch, Niederländisch, Schwedisch, Russisch, Polnisch, Finnisch, Norwegisch und Türkisch übersetzen und kann kostenlos benutzt werden. Er wird kontinuierlich erweitert.

    Darüber hinaus bietet Woxikon Konjugationstabellen und Begleittexte zur Grammatik. Wir empfehlen deren Nutzung als Zusatz zum Wörterbuch.

    Woxikon bietet Fremdsprachen-Enthusiasten eine Fülle an Möglichkeiten für die Entwicklung und Verbesserung ihrer Sprachkenntnisse.

    Documentos: visado y pasaporte para entrar en Miami, viaje a suiza.

    #Viaje #a #suiza

    Documentos: visado y pasaporte

    Imprimir documento | Tama o de texto: | Volver atr s

    Hay dos documentos imprescindibles para poder entrar legalmente en los Estados Unidos de Am rica: el visado y el pasaporte. Para viajar a Miami har falta uno de estos dos documentos, que se elegir seg n la procedencia de la visita, el motivo del viaje y el tiempo de estancia.

    VISADO: es un documento que suele ser emitido en la embajada de Estados Unidos del pa s de origen del turista; permite entrar a USA para trabajar, estudiar o simplemente para visitar cualquiera de sus ciudades. Para los ciudadanos no inmigrantes que quieran ir a Miami existen tres tipos de visados, el visado de turista, el visado de trabajo y el visado de estudiante.

    Visado de turista: Los ciudadanos espa oles o de Andorra pueden acceder al pa s sin necesidad de este visado, pero en cambio el resto de ciudadanos hispanohablantes de pa ses latinoamericanos se les requerir su uso.

    Vistado de trabajo: Para aquellos que vayan o tengan la intenci n de ir a Miami para trabajar, ser imprescindible para que le concedan este visado de trabajo un contrato en cualquier empresa ubicada f sicamente en Estados Unidos. Dicho visado tendr validez hasta la finalizaci n del contrato de trabajo.

    Visado de estudiante: Para conseguir un visado de estudiante ser necesario ser admitido en un centro educativo de Estados Unidos autorizado por el fiscal general. Una vez en USA con este visado de estudiante no se podr ejercer ning n tipo de trabajo por el per odo de un a o.

    *nota: para solicitar cualquiera de estos visados habr que acudir a la embajada de Estados Unidos del pa s de origen del ciudadano. Se exigir demostrar la solvencia econ mica suficiente como para afrontar la estancia.

    PASAPORTE: Los ciudadanos de, Alemania, Andorra, Australia, Austria, B lgica, Brunei, Dinamarca, Eslovenia, Espa a, Finlandia, Francia, Gran Breta a, Holanda, Irlanda, Islandia, Italia, Jap n, Liechtenstein, Luxemburgo, M naco, Nueva Zelanda, Noruega, Portugal, San Marino, Singapur, Suecia y Suiza necesitar n para entrar en Miami un pasaporte legible mec nicamente, siempre y cuando el motivo de su viaje sea de negocios o meramente tur stico. Con el uso del pasaporte la estancia m xima permitida ser de 90 d as y en ese tiempo no se podr ejercer ning n trabajo ni cursar cualquier tipo de estudio. A partir del 26 de octubre del 2005 ser necesario para quienes no tengan un pasaporte de lectura mec nica el uso de un pasaporte con chip biom trico.

    Importante: Desde el 12 de enero de 2009 todos aquellos viajeros internacionales que quieran viajar a Estados Unidos bajo el Programa de exenciуn de visa estarбn sujetos de una ampliaciуn de los requerimientos de seguridad, por lo que deberбn rellenar un formulario (mнnimo 72 horas antes de realizar el viaje) a travйs de internet. Lo deberбn hacer todos los viajeros, incluнdos los niсos. De esta manera se sustituirб el tradicional formulario que se debнa rellenar en el aviуn por este formulario online.

    Qué Negocio Poner Con Poco Dinero, quiero poner un negocio que me recomiendan.

    #Quiero #poner #un #negocio #que #me #recomiendan

    Qué Negocio Poner Con Poco Dinero

    He recibido muchos mails de personas alrededor del mundo, preguntándome qué negocio poner con poco dinero. Algunos tienen miedo a empezar su negocio, y otros sencillamente no tienen acceso al capital de inversión necesario para poner el negocio. En este post veremos este asunto, para que usted tome la mejor decisión.

    Quiero poner un negocio que me recomiendan

    Qué Negocio Poner?

    Quiero poner un negocio que me recomiendan

    Que Negocio Poner 1. Ponga un negocio donde tenga experiencia o conocimientos

    Lo fundamental al poner un negocio nuevo, donde quiera invertir poco dinero es hacer algo que ya conoce o tiene experiencia. La razón del éxito de las franquicias (típicos negocios rentables) ha sido el hecho de que ya contienen el conocimiento necesario para empezar sin tantos tropiezos, como un negocio normal, donde se dan muchas pruebas y errores. Por ejemplo, si estudió una carrera profesional, puede desarrollar un negocio basado en esto. Muchos profesionistas abren sus consultorías, despachos o asesorías con una inversión inicial menor.

    Que Negocio Poner 2. Haga un producto excelente y/o de un servicio muy personalizado

    La contra de invertir poco dinero en un negocio es que en un principio va a ser muy pequeño, en relación a la cantidad de clientes y del tamaño del local. Lo que le recomiendo, es que desde el principio ofrezca un producto excelente. Por ejemplo, me preguntaban por mail (un chef) cómo empezar un negocio, y mi respuesta simplemente fue que checara que es lo que le salía más sabroso y que lo vendiera. Muchos negocios alrededor del mundo inician de este modo en su misma casa, y crean un cierto aire de fama y mistisismo que atraen a clientes de todas partes. Por otro lado, es vital que el servicio o la atención al cliente sea personalizada. Cuando empieza un negocio, lo más importante es crear una cartera de clientes que en corto plazo puedan sostener al negocio, por medio de sus ventas constantes.

    Que Negocio Poner 3. Busque Ideas y Oportunidades por su Cuenta

    Si no tiene idea de qué negocio poner, le recomiendo buscar ideas y oportunidades de negocios. Solemos buscar listas de ideas de negocios, sin embargo, es mejor que uno haga su investigación por su cuenta. Para ello, puede ver este video para encontrar ideas y oportunidades de negocios.

    Qué Negocio Poner 4. Piense en resolver un problema

    Muchas veces los emprendedores están pensando en poner el negocio de sus sueños. Sin embargo, lo real es poner un negocio que resuelva un problema que está observando.

    Consejos Para Invertir Poco Dinero

    Que Negocio Poner 5. Elabore un plan de negocios

    Para definir qué negocio poner, lo más recomendable es que empiece por una idea de negocios y un plan de negocios. Existe el mito de que un plan de negocios no tiene uso, sin embargo, la realidad indica que tiene 80% más de probabilidad de éxito teniendo un plan de negocios que abriendo el negocio sin pensarlo.

    Que Negocio Poner 6. Piense en cómo puede vender sin necesitar un local

    Las dos factores de descapitalización de un negocio (es decir, adonde va el capital que invierte) es la renta y los pagos de sueldos y salarios. En este aspecto del local hay algunas opciones que puede desarrollar:

    • Tener un sitio web como su centro de operaciones.
    • Utilizar el modelo de citas para ir al cliente, no que el cliente llegue a su “local”.
    • Utilizar el carro como oficina (esto es real, muchos agentes inmobiliarios no tienen oficina y cargan consigo en su vehículo todos los documentos necesarios).
    • Utilize el celular bastante

    Que Negocio Poner 7. Piense en cómo reducir o eliminar personal

    Como decía en el punto anterior, los sueldos y salarios son la 2a. causa de que un negocio se descapitalize. Antes de decidir qué negocio poner con poco dinero, le recomiendo pensar en formas de reducir los gastos del personal o eliminar al personal. Algunos consejos que le doy en este asunto son:

    • Pague por comisiones, son una forma ideal para no tener un costo fijo, y que dependiendo de sus ventas, pague o no sueldos.
    • Venda por internet, reduce en mucho la necesidad de vendedores.
    • Póngase ud. como vendedor, es la forma más sencilla de eliminar sueldos (pero considere el suyo!)

    Que Negocio Poner 8. Busque socios

    Cuando uno quiere poner un negocio con poca inversión, al final puede contar con capital que sea demasiado limitado. Una posibilidad a considerar es buscar inversionistas particulares (no bancos) o socios que quieran invertir en el negocio. Aquí hay algunas ideas:

    • Existen los ángeles inversionistas, que son personas con recursos adicionales que quieren invertir en proyectos que les de mejor rendimiento que el banco. Puede buscarlos en los periódicos o en el área de emprendedores que maneje el gobierno.
    • Generalmente, los principales socios son los familiares. Sin embargo, también puede incluir a amigos con capital de inversión.

    Que Negocio Poner 9. Empiece pequeño

    Quiero poner un negocio que me recomiendan

    Muchas personas tienen miedo a poner un negocio. A estas personas, les recomiendo empezar pequeño. Esto significa que desarrolle su negocio desde abajo, sea que empiece comprando unas tarjetas de presentación y dandolas a amigos y conocidos. Esto le va a ir dando fuerza y motivación para invertir cada vez un poco más.

    Que Negocio Poner 10. ¿Qué opinas?

    Escribenos en la sección de abajo qué opinas de qué negocio poner con poco dinero.

    What is Decreasing Term Life Insurance, USA Coverage, life insurance decreasing term.

    #Life #insurance #decreasing #term

    What is Decreasing Term Life Insurance?


    One type of insurance that has benefits which decrease over time is called decreasing term life insurance. The policy holder is required to pay monthly premiums but in the long run, the amount that insurance carriers need to pay decreases upon the death of the insured. The logic for why this type of policy is offered is because some death risks diminish with age. Examples of risks would be death due to childbirth, work-related injuries or accidents, reckless actions, alcohol intake, drunk driving and other car accidents, health issues caused by stress and many others usually affect people who belong to the younger age bracket.

    A good option would be to use this insurance together with another type of insurance. Younger people can also benefit from this form of insurance as they tend to engage in more high risk activities and lifestyles. For more mature individuals, the best would be another term life insurance policy often called mortgage life insurance. It is known as such because most decreasing payouts are related to the value of mortgage on an owner’s home. As soon as mortgage payments start decreasing, so will the insurance coverage provided.

    There are two kinds of decreasing term life insurance that exist. The feature of the first type is that it can be removed from a life insurance carrier. This is the most basic type of insurance that will be received by the beneficiaries when the insured party dies. Normally, this is not recommended if you have long-term protection in mind because as time goes by, the benefit lessens. Though, it is advantageous if you are thinking of short-term coverage because the premium rates tend to be very low. An individual who indulges in a high-risk kind of life and has a tight budget could certainly use the decreasing life insurance plan.

    Another type is called decreasing term mortgage policy. The main purpose of this kind of policy is to assist the owner and beneficiaries in mortgage payments should he or she suddenly die while still owing a hefty amount. The actual benefit decreases as the amount of money owed also decreases. Payout will be higher if there is still a large amount that is lacking in the mortgage but if payments are nearly finished; then the payout will be smaller. This type of policy is especially useful in ensuring the home mortgage shall be taken care of, in case the breadwinner dies. Often, disability insurance is offered together with these policies.

    One of the most important things to consider, if you decide to get this type of coverage, is cost. Good research definitely pays off. Insurance carriers will offer plans that are slightly different from each other in the amount of coverage and overall cost. The best way is to become familiar with three or four companies. Compare what they have to offer and bear in mind the premiums as well. For employed individuals, some corporations will only work with a selected group of insurance carriers. Be sure to be familiar with them. Take time to study your options before making that important investment.

    Cheap Car Insurance for Teens & Young Drivers, cheapest insurance for teenage drivers.

    #Cheapest #insurance #for #teenage #drivers

    Buying cheap car insurance for teens: 6 essential tips

    As the parent or guardian of a young driver, you know it’s essential to have good car insurance to protect them. Whether you’re paying for it or they’re working hard to foot the bill, it’s a new expense for your family. Fortunately, you can find cheap car insurance for teens without breaking the bank. Here are the six ways to lower the cost of a young driver on your policy:

    1. Learn about Good Student discounts

    Students with higher grade point averages are usually more responsible and better drivers. If your young driver earns a B average or better at school, you may qualify for a good student discount on Nationwide teen car insurance.

    2. Install anti-theft devices

    You may save when you install an anti-theft device in the vehicle. Your possible discount varies based on the type of device installed and the state in which the vehicle is garaged.

    3. Keep rates low for teen car insurance with Accident Forgiveness

    Accidents happen to even the best young drivers. And if one does occur, insurance rates may rise as much as 30%. If you have Nationwide’s Accident Forgiveness as part of your teen car insurance package, your rates will not increase following the first at-fault automobile accident.

    4. Take a defensive driving class

    When your teen successfully completes an approved motor vehicle accident prevention course, this Nationwide discount may help you get affordable car insurance.

    5. Choose the right teen car insurance policy for your needs

    With Nationwide, there are lots of ways to protect your teen while staying within your budget. For example, a higher auto insurance deductible may lower the rate, but could mean more out-of-pocket expenses after an accident. If the vehicle is older or has very high mileage, liability coverage may be a better option than collision or comprehensive – though it will not cover damages to the car after an at-fault accident. Getting the right coverage that best fits your needs is important for saving money on your teen auto policy. Learn more about Nationwide’s auto insurance coverage types today.

    6. Stay safe with teen driving tips

    One of the most reliable ways to keep insurance costs low is to avoid accidents. Learn about the risks teen drivers face and get tips for how to prevent them. Nationwide’s teen driving resource center offers practical information about teen decision making, distracted driving, the role of parents in teen driving and more.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

    Types of Commercial Vehicles to Insure, commerical vehicle insurance.

    #Commerical #vehicle #insurance

    Types Of Commercial Vehicles To Insure

    A commercial vehicle is defined as a vehicle used for business or commercial purposes.

    If you own a business that uses a vehicle or number of vehicles for commercial purposes, you need to insure those vehicles with a commercial auto insurance policy. Insuring commercial vehicles can be more expensive than purchasing personal auto insurance, and commercial vehicle insurance requirements vary by state; however, meeting at least your state’s minimum liability requirements protects you, your employees, and your business.

    Because so many different types of vehicles can be used for business purposes, it may be confusing to know what you need to insure with a commercial auto insurance policy. Our guide can help you better understand what types of commercial vehicles you need to insure.

    Commonly Insured Commercial Vehicles

    People often associate vehicles such as freight trucks or delivery trucks with commercial vehicles. What you may not realize is that any vehicle being used for business purposes can technically be considered a commercial vehicle that must be insured by a commercial car insurance policy.

    Commonly insured commercial trucks and vehicles include the following:

    • Passenger car or van.
    • Passenger bus.
    • Minivan.
    • Agricultural truck.
    • Box or straight truck.
    • Cargo van.
    • Car carrier.
    • Flatbed truck.
    • Catering truck.
    • Cement mixer.
    • Delivery van.
    • Hearse.
    • Ice cream truck.
    • Motor home.
    • Limousine.
    • Pickup truck.
    • Fifth wheel truck.
    • Sport utility vehicle.
    • Pump truck.
    • Step van.
    • Tank truck.
    • Trunk tractor.
    • Tow truck.
    • Refrigerated truck.
    • Wheelchair bus.
    • Wheelchair van.
    • Front loader.
    • Garbage truck.

    Commercial vs. Personal Car Insurance

    If your drive a car that is not typically used as a commercial vehicle, such as an average sedan, you may wonder why you need to insure it with a commercial car insurance policy.

    To car insurance companies, the risk of covering any vehicle used for commercial and business purposes is higher than the risk of covering cars used for personal purposes.

    This difference in risk factor is the main reason car insurance policies for commercial purposes differ from personal auto policies.

    Commercial car insurance policies are better suited to cover:

    • Your business and its assets.
    • Your employees or other drivers you hire to drive your company cars.
    • The higher risk of operating certain commercial vehicles.

    Commercial Insurance Rates

    Your commercial auto insurance rate depends on several factors. These factors include, but are not limited to:

    • Age and personal driving record of all drivers.
    • License type of all drivers.
    • Vehicle make and model.
    • Type of cargo the vehicle carries.
    • Number of passengers the vehicle transports.
    • Annual mileage.

    In order to obtain an insurance quote, you must provide this information for your insurance agent. After all this information is accounted for, the insurance agent will assess the risk involved in covering your commercial vehicle, and then present you with an according commercial auto insurance quote.

    Commercial Car Insurance Quotes

    Most companies that offer private car insurance also write policies for commercial car insurance.

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    Beni e servizi con IVA indetraibile, recupero partita iva.

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    BENI E SERVIZI CON IVA INDETRAIBILE –art.19 bis –1 D.P.R. 633/72

    Acquisto o importazione di aeromobili e relativi componenti e ricambi

    IVA detraibile al 100% se il bene forma oggetto dell’attivitа propria dell’impresa .

    IVA detraibile al 100% se il bene и destinato ad essere utilizzato esclusivamente come strumentale nell’attivitа propria dell’impresa .

    Detrazione sempre esclusa per esercenti arti e professioni .

    Acquisto o importazione di:

    lavori in platino esclusi quelli per uso industriale, sanitario e di lavoratori; prodotti con parti o guarnizioni di platino, costituenti elemento prevalente del prezzo;

    pelli da pellicceria, conciate o preparate, anche confezionate in tavole, sacchi, mappette, croci o altri simili manufatti, di zibellino, ermellino, cincillа, ocelot, leopardo, giaguaro, ghepardo, tigre, pantera, zebra, lince, visone, pekan, breitschwanz, martora, lontra sealskin, lontra di fiume, volpe argentata, volpe bianca, ghiottone, scimmia, scoiattolo, orso bianco, donnola e relative confezioni;

    vini spumanti a denominazione di origine la cui regolamentazione obbliga alla preparazione mediante fermentazione naturale in bottiglia;

    tappeti e guide fabbricati a mano originari dall’Oriente, dall’Estremo Oriente e dal Nord Africa.

    IVA detraibile al 100% se il bene forma oggetto dell’attivitа propria dell’impresa .

    Detrazione sempre esclusa per esercenti arti e professioni.

    Acquisto o importazione di navi e imbarcazioni da diporto e relativi componenti e ricambi.

    IVA detraibile al 100% se il bene forma oggetto dell’attivitа propria dell’impresa.

    Detrazione sempre esclusa per esercenti arti e professioni.

    Acquisto o importazione di veicoli stradali a motore* (esclusi i motocicli per uso privato con motore di cilindrata superiore a 350 centimetri cubici) e relativi componenti e ricambi.

    IVA detraibile nella misura del 40%.

    IVA detraibile nella misura del 100%:

    se il bene и utilizzato esclusivamente nell’esercizio dell’impresa;

    se forma oggetto dell’attivitа propria dell’impresa;

    per gli agenti e i rappresentanti di commercio.

    Acquisto o importazione di carburanti, lubrificanti, prestazioni di custodia, manutenzione, riparazione e impiego, transito autostradale.

    IVA ammessa in detrazione se, e nella stessa misura prevista per l’acquisto o l’importazione dell’aeromobile, della nave o imbarcazione da diporto, del veicolo stradale a motore cui si riferisce.

    Visas para Panama: Panama Inmigracion y Residencia, abogados de inmigracion en linea gratis.

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    Visas para Panamá: Panamá Inmigración

    Abogados de inmigracion en linea gratis

    Los servicios de procesamiento de trámites de inmigración requieren de abogados panameños especialistas en la ley de inmigración y visas para Panama.

    Los abogados de inmigración en POLS poseen una amplia experiencia en el procesamiento de todos los tipos de Visas de Residencia y por más de 20 años hemos ayudado a nuestros clientes que inmigran a Panamá.

    Nuestros Abogados de Inmigración ha Procesado más de 500 Visas para Panamá

    Nuestro equipo de abogados de inmigración con licencia ha procesado más de 500 visas de residencia panameña para quienes buscan residir en Panamá. Por otra parte, nuestra firma ha establecido una fuerte presencia en la comunidad legal de Panamá, haciendo el proceso de la inmigración tan ágil como sea posible. Como firma de abogados especializada en trámites migratorios en Panamá, podemos proveerle soluciones legales para todos los programas de residencia y visas disponibles en Panamá.

    A petición de muchos, ponemos a su disposición una serie de referencias de muchos de nuestros clientes que han solicitado nuestros servicios de trámites migratorios y que pueden dar fe del éxito en sus gestiones.

    Obtener Residencia en Panamá

    A través de leyes especiales, los extranjeros pueden obtener residencia en Panamá, permisos de trabajo, y en algunos casos la ciudadanía o pasaporte Panameño. La mayoría de las leyes panameñas de inmigración han sido creadas para promover la inversión extranjera en Panamá, lo cual beneficia el entorno y la economía local. Y la visa paises amigos de Panama se ha convertido en una de las maneras más fáciles para los ciudadanos de 50 países para obtener la residencia en Panamá

    Muchos inversionistas y sociedades internacionales encuentran excelentes oportunidades en Panamá para invertir en algunas áreas como: inversión forestal, manufactura, plantas de ensamblaje, instalaciones para la distribución mediante la importación y exportación, creación de software, centros de atención telefónica, y toda una variedad de negocios. Muchas veces, los inversionistas consideran que una Visa de Residencia representa solo un beneficio adicional a las inversiones mismas que están realizando.

    El hecho de que existan distintos tipos de visas para Panamá y múltiples programas de residencia en Panamá adecuados para inversionistas, se constituye en un incentivo para trasladarse a Panamá y obtener la ciudadanía y pasaporte panameño.

    Trasladarse a Panamá y obtener la residencia legal puede ser muy sencillo si contrata los servicios de nuestros experimentados abogados en migración en Panamá.

    A continuación, ofrecemos una lista de Visas de Residencia, así como otras Visas Panameñas tales como la Visa de Trabajo. Algunos de estos programas de visa de inmigración en Panamá ofrecen el permiso de residencia temporal o el permiso de residencia permanente, mientras que otros ofrecen la ciudadanía y el pasaporte panameño. También, algunos de estos programas de inmigración solo ofrecen la visa de residencia temporal o el permiso de trabajo.

    Le animamos a ponerse en contacto con nuestra firma de abogados donde con todo gusto le brindaremos una consulta gratuita para determinar cuál tipo de visa de residencia se adapta mejor a sus necesidades.

    Por qué emigrar y convertirse en un residente de Panamá?

    Le recomendamos tener una segunda casa en Panamá, en donde podrá disfrutar de su ambiente tropical, seguridad y estabilidad, sea que resida total o parcialmente. Tenga un refugio seguro en Panamá para alejarse de un evento bélico o de alteración político social que pueda poner en riesgo la tranquilidad y seguridad de su familia y seres queridos.

    Inclusive, podrá vivir en Panamá permanentemente después de recibir su jubilación y obtener la visa panameña de residencia. Trasládese a vivir a Panamá, un país tropical, estable, seguro y muy económico para vivir en comparación con muchos otros países desarrollados tales como Estados Unidos, Canadá, algunos países de Europa, etc. Otra ventaja de Panamá, es que es un país muy amigable en el aspecto impositivo, donde los ingresos ganados por extranjeros, las ganancias ganadas por el Capital Extranjero, y los ingresos por intereses bancarios están exentos del pago de impuestos y no se le exige la realización de la declaración de los mismos.

    Podrá trasladarse a un País donde las demandas no serán reconocidas por los tribunales y donde además podrá disponer de la posibilidad de brindarle a sus activos la máxima protección mediante la formación de una estructura corporativa y donde no existirá el riesgo de que el velo corporativo sea levantado.

    Podrá establecerse en un País donde es posible realizar actividades comerciales con una estable economía, y sin fuertes restricciones ni regulaciones, o tasas impositivas que obstaculicen el crecimiento de su negocio.

    Panamá también tiene una creciente demanda de negocios de Bienes Raíces donde le permitirá la posibilidad de adquirir una hermosa vivienda en la ciudad, o si lo prefiere, extensiones de tierra cerca de la playa, la montaña o de hermosos lagos.

    Así que no lo dude más, trasládese a Panamá, y pruebe comprando una segunda vivienda, aproveche los múltiples programas de inmigración en Panamá, de obtención de Visas de residencia en Panamá, o inclusive, la posibilidad de optar a la ciudadanía panameña y obtener un pasaporte Panameño.

    Estadísticas de Inmigración en Panamá

    De acuerdo a la Dirección Nacional de Inmigración

    • El último censo realizado en el año 2000, reveló que existían para ese momento un total de 82,097 extranjeros residenciados legalmente en Panamá.
    • Entre Enero de 2002 y Abril de 2005, un total de 1,118 extranjeros jubilados inmigraron a Panamá con Visa de Pensionado. Esta tendencia se ha venido incrementando rápidamente, mostrándonos un crecimiento del 29% entre los años 2002 y 2003 y un 99% de incremento en 2004 con respecto al 2003. El año 2005 nos sorprendió con una tasa del 400% con respecto al 2004.
    • En el año 2005 se emitieron un total de 2500 nuevas visas de residencia, de las cuales un 67% fueron otorgadas a ciudadanos estadounidenses.
    • Entre los años 2004 y 2007, un total de 31.356 de nuevas visas de residencia fueron emitidas a extranjeros trasladados a Panamá.
    • Las cifras del Servicio Nacional de Migración de Panamá señalan que en el año 2008 fueron emitidas un total de 14,739 visas de residencia a ciudadanos procedentes de 96 países alrededor del mundo, de los cuales 4,149 fueron dadas a ciudadanos colombianos y 2,113 a ciudadanos estadounidenses.

    Abogados de inmigracion en linea gratis

    Vínculos de Ayuda

    Haga click aquí para conocer los Consulados Panameños en el mundo.

    Si Usted está interesado en Establecerse en Panamá o en obtener la Residencia Legal, por favor Contáctenos para darle una consulta personal.

    Masáž bylinnými váčky – razítka a měsce plné bylinek- bylinkové masáže: Wellness Life, mesce.


    Masáž bylinnými váčky razítka a měsce plné bylinek- bylinkové masáže

    Wellness procedura plná tepla, vůně a pohody.

    Naprosto jedinečný zážitek nabízí masáž bylinnými váčky, které se také říká masáž bylinnými razítky, měšci, nebo také masáž bylinnými pečetěmi.

    Masáž bylinnými váčky, (Herbal massage balls) je oblíbenou procedurou ve všech wellness a spa provozech. Jedná se o starou techniku masáží, která se provádí tak, že se na tělo v různých intenzitách síly „přitiskávají horké bylinné váčky.

    Technika masáže někdy připomíná razítkování, proto se masáži také často říká masáž bylinnými razítky.

    Váčky se na tělo ze začátku masáže přikládají tak, aby si pokožka zvykla na teplo, poté se provádí masáž která kombinuje různé tahy, tlaky, poklepávání a krouživé pohyby, postupně po celém těle. Masáž vychází z původních východoasijských postupů léčby a péče.

    Podle původu oblasti, kde jsou tyto masáže tradiční a podle toho, jak se techniky předávají dál, se uplatňují různé techniky přikládání, razítkování, různé tahy a tlaky.

    Relaxační bylinná terapie

    Bylinné váčky jsou předem připravené vaky z látky, naplněné směsí bylin a koření. Váček se poté utáhne a sváže do tvaru „razítka tak, aby v dolní části vznikla boule plná směsi byliny a koření a v hodní části vzniklo držadlo, za které terapeut váčky při masáži drží.

    Bylinné váčky se těsně před procedurou máčí či nahřívají v horké páře, nebo ještě lépe v horkém oleji. Zahřátím se z bylin a koření uvolňují účinné látky, které váčky přenášejí na pokožku.

    Tím, že jsou váčky horké, působí na vrchní kůži tak, že ji uvolňují a otevírají póry kůže.

    Účinné aktivní látky ze směsi bylin, koření a olejů tak lépe a hlouběji pronikají do kůže, kde působí.

    Teplo, bylinky a tlak

    Masáž bylinnými váčky je velmi účinná, příjemná a blahodárná terapie.

    Je to masáž relaxační, uvolňující a také terapeutická. Působí směs bylin, teplo a tlaky.

    Masáž mírní napětí, zklidňuje namožené tělo, mírní různé tělesné i psychické projevy a problémy.

    Tlumí stres a napětí. Dochází k příjemnému prohřátí organismu a zejména pokožky, k uvolnění ztuhlých svalů a k výživě pokožky. Ta zůstává po masáži razítky příjemná a hydratovaná, promaštěná.

    Různé ingredience, bylinky a koření na výrobu bylinných razítek

    Bylinné směsi pro masáže

    Bylinné směsi mají 100 a 1 podob. Mísí se bylinky, koření, esenciální oleje, vonné květy jasmín, růže, často také sůl, řasy a další přírodní materiály.

    Bylinné váčky mohou být naplněné směsí bylin a koření podle toho, odkud razítka pochází nebo podle toho, jakého terapeutického účinku chceme při masáži dosáhnout.

    Často je masáž také nazývána thajská bylinná masáž, pak směs tvoří některé výrazné thajské byliny a kořen.

    Může to být i zázvor, kafr, kurkuma, hřebíček, vetiver, najdeme zde citrusové vůně, lemongras a další výrazné exotické byliny a koření.

    Mísí se tak, aby se použily bylinky s léčivými vlastnostmi i ty, které se používají pro „zkrášlování a také pro vůni.

    V mnoha formách a podobách se masáže bylinnými váčky nabízí po celém světě.

    Masáž se provádí na celém těle i na obličeji, váčky proto mají různé velikosti.

    Jsou součástí spa nabídky zejména autentických východních provozů, jejichž nabídka procedur je postavená na poskytování původních východních wellness terapií.

    Někde jsou masáže bylinnými váčky oblíbené i v domácím prostředí.

    Dají se kdykoliv během roku připravit ze suchých směsí bylin a květů, přidat se dají i sypané směsi čajů…. dle fantazie, citu a potřeby.

    V zimně bude zajímavá směs do které můžeme přidat sušené ovoce, nebo něco na prohřátí jako například zázvor, na jaře detoxinační bylinky nebo směs bylin z českých lesů a luk.

    V létě svěží mátu nebo meduňku, podzimní sezonu provoní jehličnany, cedr, cypřiš, jedle, borovice. Využívat můžeme předem připravenou bylinkovou sůl.

    V profesionálním světe spa a wellness, v hotelech a salonech, se pro ohřev naplněných váčků používají různé druhy přístrojů pro ohřívání razítek a udržování razítek v teple po celou dobu masáže.

    ♦ Foto archiv webu

    Kam dál?

    Další články v rubrice Bylinky a koření

    Další články domácí wellness:

    Wellness interiéry

    Nejčastější problémy s vířivkami, jak to řešit II.část

    Další články sauny a saunování

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    • Guнa Prбctica para la Presentaciуn de Quejas, Reclamaciones y Consultas (57 KB)
    • PG1 – Competencias del Servicio de Reclamaciones (52 KB)
    • PG2 – їQuiйn puede presentar consultas o reclamaciones? (52 KB)
    • PG3 – їCуmo plantear una queja o reclamaciуn? (68 KB)
    • PG4 – Tramitaciуn de quejas y reclamaciones (40 KB)

    Descarga de Formularios para la presentaciуn de Quejas, Reclamaciones y Consultas

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    Small Group Health Laws

    Nondiscrimination in Small Group Market

    A small group is considered a business with 50 or fewer employees, and if they offer health insurance to their workers, they are subject to various state laws. The Small Employer Health Insurance Availability Program (CRS 10-16-105.2) was enacted in 1994 by the General Assembly in order to prevent an imbalance in state and private programs. This law states that the small group market must not insure only healthy workers and therefore flood the CoverColorado risk pool with more pre-existing conditions than it can handle. This law requires small group laws to apply to any health insurance plan offered by a small Colorado company if they meet any of the criteria below.

    Colorado small business health insurance

    1. A percentage of the premium or benefits is covered by or on behalf of the small business;

    2. A qualifying worker or dependent is reimbursed through payroll adjustments or other means, by or on behalf of the business for a percentage of the premium;

    3. The health insurance policy is treated by the employer or any of the eligible employees or dependents as part of a plan or program for the purposes of Section 162, Section 125 or Section 106 of the United States Internal Revenue Code; or

    4. The health insurance policy is offered by an employer to their workers.

    The Colorado Department of Regulatory Agencies Division of Insurance continues to define small group coverage in the same way as CRS 10-16-105.2: If a small employer gives each employee an allotment to buy his or her own coverage, such coverage is considered small group coverage.

    Health Reimbursement Arrangements (HRAs)

    Offered through federal tax laws to businesses of all sizes, with the exception of one-man groups, health reimbursement arrangements (HRAs) are paid for by an employer, allowing workers to get reimbursed for certain medical costs. These plans are tax-advantaged liked a health savings account (HSA), being tax-deductible for both businesses and their employees.

    Throughout Colorado, small companies are offering HRAs instead of a health insurance plan. These reimbursement plans are then used by employers to help employees pay premiums for individual health plans. Colorado individual insurers are discouraged from selling coverage to a member of a small group s HRA when their premiums will be reimbursed. If the HRA is being used to help pay premiums for employees, it is then required to follow small group laws.

    Individual Market Small Group Market Differences

    Individual health plans are permitted to deny coverage, exclude benefits for a pre-existing condition, and determine an applicant s premium based on their current or past health problems, according to Colorado law. Some services are not required to be offered by an individual health plan, such as maternity and mental health care. However, the small group insurance market is different, bound by several laws to guarantee issue health plans, adjust premiums based on the whole group, and not discriminate premiums due to health.

    DUI and Insurance: Rates and Form SR-22, dui insurance rates.

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    DUI and Insurance: Rates and Form SR-22

    What began as a great night out ended as a bad night in police custody after you drove up to a DUI checkpoint. A DUI/DWI charge brings with it a million worries, not the least of which is the cost of a possible conviction. One cost you might not have worried about is your auto insurance. Here is a brief introduction to how a DUI can affect your insurance rates, in addition to the other possible consequences of driving under the influence.

    Impacts of DUI on Insurance

    The adverse affects of a DUI or DWI conviction go well beyond a fine, court costs, and license suspension. If you have been convicted of drunk driving, you can also expect to pay much higher auto insurance premiums as a high-risk driver once your insurer discovers the offense. You could even be dropped from coverage altogether, meaning you might have to shop around for a new policy with both a DUI and insurance cancellation on your record.

    Most states require those convicted of a DUI to obtain an SR-22 form from their insurers, which proves to the department of motor vehicles (DMV) that you indeed carry liability insurance. This is required in order for the DMV to lift your license suspension. The SR-22 form serves as an obvious red flag about the conviction and also requires the insurer to contact the DMV if it cancels your insurance policy.

    Depending on the state, you may have to show proof of auto insurance to the DMV for up to five years in order to maintain a valid license. Not every insurance company offers SR-22 auto insurance policies; some insurers either cancel or don’t renew your policy after a DUI conviction. Six states don’t require SR-22 forms: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.

    DUI and Insurance Rates

    But not all DUI offenses are treated the same, as most insurers look at them on a case-by-case basis. For example, you might only get a marginal rate increase if you have an otherwise excellent driving record and the DUI conviction is your first offense. Successive drunk driving offenses, however, usually result in exponentially higher rate increases, while many insurance companies refuse to cover repeat offenders. Keep in mind that insurance companies have a few years in which to raise your rates for a DUI conviction, even if they don’t discover it right away. The offense may even affect your life insurance premiums.

    Whether or not your auto insurance company quickly discovers your DUI (if at all) depends on the given state’s laws and procedures, not to mention the way your case was handled. Roughly 20 percent of convictions for traffic violations (including DUI) don’t even make it into motor vehicle records, according to the Insurance Research Council. Reasons why the offense may fly under the radar include poor communication between the courts and the DMV, an erased conviction due to defensive driving school, or a reduced charge due to a guilty plea. Your conviction may also escape detection by your insurer if you committed the offense in a state that doesn’t require an SR-22 form.

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    DUI convictions can be expensive enough without adding the cost of higher insurance premiums. If you have been arrested or charged with DUI, or if you want to know how a DUI might affect your insurance, you can contact an experienced DUI attorney for a free case evaluation.

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    NJ PAIP Car Insurance or NJ state mandated assigned high risk auto insurance for qualified applicants. The plan offers NJ drivers another option when they cannot obtain coverage elsewhere in the state of New Jersey. Assigned Companies provide personal private passenger car insurance coverage. To see if you qualify in general you must have a quote from a NJPAIP Certified Producer, as they are the only ones that may offer this state coverage.

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    Example: You apply for a policy and are told by the insurer that they will not insure you nor your auto due to NJMVC points or NJ insurance points (accidents, A DUI, driving suspended or without insurance or other entries) of which an insurance company may refuse or deny anyone coverage. Prior law would require companies writing policies to take any person that applied for coverage unless they had too many points, or were cancelled MID-Term for non payment of premium. With the Take All Comers law expiring, you may be refused for many different reasons such as; credit score, education level, town of residence, zip code, buying auto policy only, total points and several other reasons.

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    After you enter the New Jersey assigned risk auto pool, the insurance company assigned to you must typically keep you for three years, or until you are no longer qualified. At the end of that period, your company has the choice of keeping you as a customer or not renewing your policy. Even if the insurance company cancels your policy after you have kept your driving record clean and sent in premium payments on time, you should be able to find a preferred car insurance company to issue a policy for you. During your time as a New Jersey assigned risk insurance class driver, it is in your own best interest to keep your car insurance policy in force. This will be important when you try to obtain a policy once your are no longer a high risk. As time goes by without any driving accidents or violations, your odds of getting insurance on the NJ voluntary market become greater. Our certified NJPAIP producers may be able to help you secure other coverage.

    Buying your policy: Your NJ-PAIP Certified Insurance Producer will need copies of certain documents; NJ Drivers License, NJ Registration, Proof of NJDMV/NJMVC/Insurance Points, and names of any NJ Insurance companies that have declined you coverage. The NJPAIP Certified producer will have to prove that all drivers in your household are insured somewhere.

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    Elucid Multi-Channel Retail Software

    Create a seamless and consistent shopping experience for your customers, whatever sales channel they choose, with the Sanderson multi-channel solution, Elucid.

    Our software integrates eCommerce, mobile commerce, marketplace, retail and mail order sales with back office fulfilment operations to improve service and profitability and underpin business growth. With unlimited users and unlimited brands sharing the same back office system, and the capability to process tens of thousands of orders each day, it is the number one solution for growing, multi-channel retailers; delivering complete customer and business visibility.

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    CORSI ADAP Accademia delle Arti e Professioni – Scuola di Formazione e Qualificazione Professionale – Corso qualifica riconosciuta Europa Cee ComunitГ Europea Diploma Diventare Estetista Visagista Truccatore Make-up Artist Onicotecnoco Decorazione Ricostruzione Unghie Nails Arts Massaggiatore Operatore del Massaggio Olistico e del benessere, Parrucchiere, Acconciatore, Grafico Pubblicitario, Grafico 3D, rendering e modellazione product design, Game Designer, Social Media Marketing specialist, Interior Designer, Progettazione interni, Arredamento, Master Tourist Marketing Management Turistico, Turismo, Agenzia viaggi, Tecnico dell animazione socio-educativa, Responsabile Struttura socio-sanitaria – Qualificato Riconosciuto Regione Calabria: Cosenza – Reggio Calabria, corso interior designer.

    #Corso #interior #designer

    Corso interior designer

    Aprire le strade del lavoro.

    Grazie ai numerosi corsi di formazione, che spaziano dalla professione di Estetista a quella dei Visagisti e Massaggiatori, Restauratori, Grafici Pubblicitari, la scuola può vantare di ricoprire tutte quelle Professioni che possono aprire le strade del lavoro, infatti ogni anno circa trecento allievi si affidano a noi per qualificarsi.

    Staff qualificato, stages e offerte di lavoro.

    La formazione ADAP conta su uno Staff di docenti composto da professionisti qualificati, Laureati nelle varie discipline e da collaboratori specializzati in ogni campo; integra la preparazione didattica con Stages aziendali per una percorso di crescita in azienda; gestisce offerte di lavoro attraverso richieste dirette.

    Le nostre strutture

    Aule didattiche e moderne attrezzature.

    Nei moderni ambienti di Cosenza con circa 700 mq di superficie e 10 aule didattiche e di Catanzaro e Reggio Calabria con 400 mq e 6 aule didattiche, destinate a laboratori con le più moderne attrezzature, la formazione diventa piacevole e coinvolgente. La competenza si crea con gli strumenti adatti.

    Più opportunità di lavoro se frequenti un Corso di Formazione Professionale

    Puoi conseguirla con l’assistenza di ADAP.

    Laccademia delle Arti e Professioni è una Scuola di Formazione con 20 anni di esperienza. Un sistema formativo in evoluzione, una fucina di idee che sviluppa Professionalità attraverso lofferta di percorsi di Formazione e Specializzazione.

    LADAP è molto più che una Scuola: è un CENTRO in cui prendono forma Professionalità di Nuova Generazione.


    La nostra Mission.

    Offrire ai Giovani una Formazione Completa e Professionale, con finalità dinserimento lavorativo Immediato.

    Pmt, CD DVD Herstellung, Produktion, Kleinauflagen, Kleinserien, Kopien, bluray angebote.

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    pmt = Nr. 1 Hersteller f r CD/DVD/BD-BluRay Kopien Kleinauflagen

    Unsere leistungsstarken Kopierroboter schaffen Tageskapazit ten bis zu 2.000 CDs, 1.500 DVDs, sowie jede Menge BD Scheiben.

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    Die TOP – SELLER bei CD Kleinauflagen

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    Bluray angebote

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    Beistellung physischer Mastervorlagen:

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    Bluray angebote

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    Bluray angebote. und alles wurde zu unserer vollsten Zufriedenheit erledigt. Wir freuen uns auf eine weitere Zusammenarbeit! mehr.

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    Unternehmen › Top 100 in NRW, top 100 unternehmen nrw.

    #Top #100 #unternehmen #nrw

    Die 100 größten Unternehmen

    Top 100 unternehmen nrwNordrhein-Westfalen zählt zu den umsatzstärksten Ländern und ist einer der wichtigsten wirtschaftlichen Knotenpunkte Deutschlands. Nachfolgend können Sie die 100 größten und erfolgreichsten Unternehmen in Nordrhein-Westfalen entdecken. Führende Unternehmen aus Handel, Energie, Fahrzeugbau, Metall, Technologie und dem Lebensmittelsektor sind ebenso vertreten wie verschiedene Firmen aus der Pharmazie, der Chemie, der Agrarwirtschaft, der Textilproduktion und der Mode. Zudem stellen sich Firmen aus dem Bereich der Logistik, Telekommunikation, Luftverkehr, der Entsorgung, Recycling und Dienstleistungsunternehmen vor. Erfahren Sie mehr über diese renommierten Unternehmen, die das globale Erscheinungsbild dieser Region prägen.

    Top 100 unternehmen nrwVerfolgen Sie in den einzelnen Vorstellungen die Firmengeschichten von der meist unscheinbaren Gründung bis zur gegenwärtigen Erscheinung. Lesen Sie von den größten Erfolgen, auch von teils herben Rückschlägen und stolzem Aufstreben durch gute Innovationen und Zielstrebigkeit. Verfolgen Sie auch den Weg der Unternehmen im Verlauf der deutschen Geschichte und die damit verbundenen Probleme und Chancen. Erfahren Sie von den grandiosen Ideen, die Vorlagen zur Erfolgsgeschichte dieser Unternehmen wurden und riskieren Sie einen Blick hinter die Kulissen. Natürlich profitieren die Unternehmen auch vom Know-how ihrer Mitarbeiter und fördern diese meist speziell, engagieren sich und bieten Möglichkeiten für arbeitende Eltern und deren Familien. Zudem stellen sie auch ausgelagerte Arbeitsplätze für Arbeiter mit Handicap zur Verfügung. Natürlich findet auch führendes globales Engagement hier ausreichend Beachtung und Würdigung. Gelegentlich können Sie auch alles hautnah bei Firmenführungen, Jubiläen und “Tag der offenen Tür” erleben.

    Qué es Forex y el Mercado de Divisas, AvaTrade, que es mercado de divisas.

    #Que #es #mercado #de #divisas

    Que es Forex

    FOREX ó FX tambien es conocido como Mercado de divisas y es el mercado financiero mas grande del planeta, cuenta con la mayor liquidez de todo el mundo, debido al volumen de movimientos comerciales los cuales ascienden a más de 5 billones de dólares, Un factor clave del trading en Forex es que esta abierto las 24 hrs del día y cualquier trader puede invertir desde cualquier lugar del planeta.

    Existen cientos de monedas o divisas en el mundo y cada una de llas esta representada por 3 letras por ejemplo el dólar americano se representa como USD, el Euro como EUR, el Franco Suizo CHF, la Libra Británica GBP.

    Básicamente las divisas se dividen en 2 grupos principales: Divisas Mayores y Divisas Menores, las mayores corresponden a las economias mas poderosas del mundo como: Estados Unidos de America, Reino Unido, La Union Europea, Canadá, Australia, Suiza, Japón y Nueva Zelanda. Y es así como en conjunto con otras divisas se crean los pares de divisas como se muestra en la siguiente imagen:

    Que es mercado de divisas

    Por ejemplo al comprar en una tienda de conveniencia algunos productos, se necesita cambiar el valor de un bien por otro, digamos dinero por leche. Lo mismo se hace en el trading de divisas o Forex se compra o se vende una divisa por otra. Los pares de divisas compiten entre si por ejemplo el valor del Euro frente al Dólar EUR / USD.

    Existen 3 tipos de pares de divisas:

    • Divisas Mayores: Este tipo de par siempre incluye el dólar USD y las divisas mas comerciadas. Los pares de divisas mas importantes son: EUR/USD, USD/JPY, GBP/USD, USD/CHF, AUD/USD y NZD/USD
    • Divisas Menores: En es te tipo de divisas se incluyen las divisas mayores excepto el USD, como por ejemplo EUR/GBP ó CHF/JPY entre otras.
    • Divisas Exoticas: Estos pares de divisas se componen de una divisa mayor y una exotica, como por ejemplo: USD/MXN

    Ventajas de Forex

    ¿Cuáles son las ventajas de operar con Forex? A continuacion se presentan algunos aspectos positivos:

    • Liquidez: Con los cerca de 5 billones de dólares que se operan a diario, el mercado de divisas cuenta con la mayor liquidez en todo el mundo. Básicamente, esto significa que es posible comprar la divisa que quiera cuando lo desee, siempre y cuando el mercado esté abierto.
    • Dinámico y descentralizado: El mercado de divisas es un mercado dinámico y descentralizado, por eso es que cualquier trader puede invertir desde cualquier rincón del planeta y, así, incidir en la tendencia de la cotización de un par.
    • Horario 24/5: Un factor clave que determina las características del trading en Forex son las horas a las que se opera; El mercado de divisas está abierto las 24 horas del día, cinco días a la semana, y eso lo hace sumamente interesante a muchos traders.

    Oportunidades del mercado de divisas

    Básicamente, al ser las transacciones en Forex algo inmediato, lo que afecta a la cotización de las divisas es la ley de la oferta y la demanda y, por lo tanto, la especulación.

    Así mismo, la estabilidad y los eventos políticos y económicos, así como la política monetaria de los países, son algunos de los elementos definitorios de las cotizaciones.

    • Acciones de agentes económicos privados y públicos. Los órganos financieros, gobiernos y los bancos centrales de cada país pueden afectar directamente a la cotización de una moneda con determinadas medidas y anuncios económicos, Por ejemplo, una subida de tipos de la Fed (la Reserva Federal Norteamericana) haría que el valor de la divisa estadounidense aumentase.
    • Eventos políticos, sociales y económicos. Si los actores en Forex creen que, debido a un determinado evento social, político, económico o natural una divisa se fortalecerá o debilitará, cambiarán el precio del mercado con sus operaciones, según cambie la oferta y la demanda de la divisa relevante, cuanta más gente crea que se seguirá una determinada tendencia, mayor efecto tendrá sobre los precios del mercado, ya que reflejarán el sentimiento del mercado. Grandes eventos recientes como el Brexit o las elecciones de los EE.UU. incidieron directa e inmediatamente en el valor de las divisas.
    • Informes de organismos económicos y sociales. Los análisis de deudas con el FMI, los grandes préstamos de la UE o la salud de la industria de determinado país (sobre todo de las grandes potencias), así como los datos sobre el desempleo y la inflación, siempre ofrecen cierta visión esclarecedora de lo que pueda llegar a ocurrir en los mercados y en la economía, por ello, también tienen mucha importancia sobre las cotizaciones del Forex.

    ¿Qué hago cuando opero en forex?

    En Forex se opera con pares de divisas (currencies). Cuando se mira el tipo de cambio del EUR/USD, puede ver cuántos USD (divisa cotizada o secundaria) necesita para comprar 1 EUR (divisa de base). A continuacion un ejemplo sencillo:

    Cuando se viaja al extranjero es necesario cambiar el dinero del país de residencia por dinero del país al que se va a visitar. Imaginemos que usted vive en Europa, y ha elegido ir de vacaciones a los Estados Unidos, digamos que va a cambiar 500 euros a dólares, a una cuota o tipo de cambio de $1.45 dólares por cada euro, como resultado se obtendrán 750 dólares, Ahora imaginemos que por alguna razón no se gasta el dinero, así que usted sigue teniendo esos 750 dólares cuando regresa a Europa, mientras tanto, el tipo de cambio tuvo una variación de $1.45 a $1.35 dólares por cada euro, asi que ahora en lugar de obtener 500 euros tendrá 537.03 euros, esto arroja un beneficio de 37.03 euros por haber mantenido el dinero en dólares durante un tiempo determinado, mientras el tipo de cambio de la moneda cambiaba,

    Por lo tanto, sí el tipo de cambio aumenta, significa que la divisa base se está fortaleciendo a costa de la divisa secundaria. Si el tipo de cambio desciende, significaría lo contrario.

    Abogado de Talca, Bufete de Abogados, abogados de transito.

    #Abogados #de #transito

    Abogados de transitoABOGADOS

    [email protected]Abogados de transito(71)В 2225259 –Abogados de transito(75) 2 315890 Abogados de transito994198584 – Abogados de transito991835639

    Abogados de transito Abogados de transito Abogados de transito


    ВїNecesitas un Abogado? Elegiste el lugar correcto para dar soluciГіn a tus problemas jurГ­dicos,В Abogados del Maule cuenta con un equipo consolidado a cargo del abogado Francico Ignacio AcuГ±a GonzГЎlez y el abogado Cristian Ignacio Rojas Garrido. Contando ademГЎs el Estudio JurГ­dico con laВ Abogado Cinthia Montecinos, Belgica MГЎrquez AvendaГ±o y un staff de procuradores, entre otros profesionales externos, quienes buscamos ofrecer un servicio que pueda distinguirse de lo ofrecido comГєnmente por otros estudios oВ abogados. Esta diferencia estarГЎ basada en la excelencia profesional y en el estrecho vГ­nculo que se crea entre nuestros abogados y sus clientes. Estamos convencidos que una plena confianza es la base para manejar exitosamente todo problema legal.

    Ser cliente de Abogados del Maule , implica que Ud. o su empresa tendrГЎ uno o mas abogados que atenderГЎ (n) todos sus requerimientos jurГ­dicos, teniendo claro, que ademГЎs cuenta con el respaldo de un equipo de excelencia, quienes estarГЎna su entera disposiciГіn segГєn el servicio requerido y lo representarГЎn en sus negocios y ante los tribunales de justicia de ser necesario.

    En Abogados del Maule estamos dedicados a la tramitaciГіn de juicios civiles, de familia, laborales y tributarios. Nuestra casa central se ubica en la ciudad de Talca, ciudad en la que se han formado nuestros abogados. El Г©xito de nuestro estudio se ha debido a la cercanГ­a con sus clientes, tanto asГ­ que el estudio se ha ampliado a la ciudad de CuricГі, donde actualmente cuenta tambiГ©n con oficinas, prestando actualmente servicios a toda la VII RegiГіn, asГ­ como tambiГ©n si el caso o cliente lo requiere, fuera de la RegiГіn del Maule.

    Con nuestros clientes se firma un contrato por medio del cual Abogados del Maule se obliga a poner a su disposiciГіn uno o mГЎs abogados, segГєn se requiera, para la tramitaciГіn del encargo o gestiГіn encomendada. En este se estipula la gestiГіn que deberemos realizar, los plazos para desarrollarla y el valor de la misma, dandose las correspondientes boletas por los servicios otorgados.

    En cuanto a esta pГЎgina web, tiene por objeto brindar una orientaciГіn a nuestros clientes y a las personas en general, pero advertimos desde ya que la informaciГіn aquГ­ entregada, jamГЎs reemplazarГЎ una asesorГ­a personalizada ni el texto legal. En la medida de lo posible para nuestros tiempos iremos actualizando esta web e incluyendo artГ­culos de interГ©s en la secciГіn de publicaciones. AsГ­ tambiГ©n agradecemos se nos indique cualquier sugerencia respecto a la misma, comentario u errores que pueda contener o se nos inste a actualizar ciertas materias que con el tiempo y las modificaciones que valla teniendo nuestra legislaciГіn puedan ir quedando desactualizadas a la ley vigente.

    Abogados de transito

    Oficina Abogados del Maule Talca:

    DirecciГіn: 4 norte esquina 2 poniente, nВ°595, Ciudad de Talca. (en plena alameda, justo al costado se ubica la Corte de Apelaciones de Talca, Tribunales laborales y tribunales civiles). Con estacionamientos en su interior.

    TelГ©fono fijo: (71)В 2225259

    Celular: 994198584 – 991835639

    DirecciГіn: Edificio Manuel Montt, ubicado en Calle Manuel Montt nВє 357, 5Вє piso, В oficina nВє 502, CuricГі.

    TelГ©fono: (75) 2 315890 – Celulares: 994198584 – 991835639

    Noleggio a Lungo termine per Privati e Aziende – AREA RENTING, moto noleggio.

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    Articoli, offerte e notizie sul Noleggio a Lungo Termine

    Noleggio auto a lungo termine: quanto conviene e quanto risparmio?

    Il 2016 si è aperto con una serie di importanti novità riguardo i controlli sulle […]

    Noleggio Lungo Termine di auto ibride

    febbraio 14, 2018

    “Ibrido”, ossia l’unione di due specie diverse. Proprio come per le auto ibride, che uniscono [. ]

    Noleggio Lungo Termine: non vi fate fregare dagli specchietti per le allodole.

    gennaio 15, 2018

    In rete si trovano centinaia di offerte di Noleggio Lungo Termine, il settore è in [. ]

    Il Noleggio Lungo Termine per i furgoni: la soluzione perfetta per il tuo business.

    Abbiamo scritto spesso di Noleggio Lungo Termine, sia per i privati che per le partite [. ]

    Noleggio lungo termine: la risposta per muoversi in città

    settembre 27, 2017

    Il Noleggio Lungo Termine ti facilita la vita e ti fa viaggiare senza pensieri. Chi [. ]

    Noleggio Lungo Termine di moto e scooter

    settembre 6, 2017

    La libertà per davvero. La motocicletta è da sempre un “sogno” di libertà. Ma anche [. ]

    Il Noleggio lungo Termine è la soluzione più logica (e furba) per cambiare la tua auto.

    Qualche tempo fa in molti avevano dei dubbi sul Noleggio Lungo Termine, sia perché non [. ]

    Il Noleggio Lungo Termine non incide sul tuo “indebitamento”.

    Che tu sia una “partita iva”, un imprenditore o un professionista, sia che tu sia [. ]

    Il Noleggio Lungo Termine è come vuoi tu!

    Le proposte di Noleggio Lungo Termine di Arearenting sono sempre personalizzabili. In molti ci chiedono [. ]

    Il Noleggio Lungo Termine cresce davvero.

    Abbiamo avuto modo in più occasioni di segnalarvi la costante crescita del Noleggio Lungo Termine [. ]

    Mobilheim Typ A, unterkünfte in grado.

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    Mobilheim Typ A

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    Genießen Sie das Leben inmitten der Natur – mit allen Vorzügen: wählen Sie aus unseren elf verschiedenen Mobilheim-Modellen. Die geräumigen, modern ausgestatteten Modelle bieten ihnen großzügige Schlafmöglichkeiten mit reichlich Stauraum, Ihr privates Badezimmer mit Warmwasser, eigener Küche und viel Platz zum Erholen.


    • 2 getrennte Schlafzimmer
    • Schlafmöglichkeit für bis zu 6 Personen (mit Decken und Kissen, ohne Überzüge)
    • Gut eingerichtete Küche mit Koch- und Speisegeschirr für max. 6 Personen
    • Elektroanschluss mit Steckdosen
    • Kindersicherung beim Hochbett
    • Dusche, Toilette mit Direktwasser und Abwasseranschluss
    • Terrasse mit schattenspendendem Vordach
    • Campingtisch (6 Stühle), 2 Sonnenliegen, Sonnenschirm
    • Haushaltskühlschrank, TV mit SAT-Anschluss
    • Klimaanlage (Italien, Kroatien, Montenegro, Spanien und Slowenien)

    Unterkünfte in grado


    Die hier dargestellten Modelle können in Ausstattung und Aussehen je nach Platz unterschiedlich sein.

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    Grado en Diseño Gráfico, Bau, Masters y Posgrados especializados en Diseño, diseño y diseño grafico.

    #Diseño #y #diseño #grafico

    Diseño y diseño grafico


    Titulación oficial: Grado en Diseño, título homologado y expedido por la Universidad de Vic-Universidad Central de Catalunya.

    Duración: 4 años académicos o 240 ECTS

    Período lectivo: del 2 de octubre a junio.

    Horario: Grupo Mañana: de lunes a viernes de 9 a 14:30h. Grupo Tarde: de lunes a viernes de 15:30 a 21:00h. * El centro se reserva el derecho de efectuar modificaciones en los horarios.

    Acceso: Pruebas de Acceso a la Universidad (PAU) – Selectividad. Técnicos Superiores (FPII y CFGS) y Técnico Deportivo Superior. Mayores de 25 años. Mayores de 40 años con experiencia profesional y laboral. Mayores de 45 años. Titulados universitarios. Estudiantes procedentes de sistemas Educativos Extranjeros. Estudiantes procedentes de Otras universidades del Estado con un mínimo de 30 créditos reconocidos. Consulta la información específica de cada vía en el Apartado Acceso y preinscripción y las notas de corte del último curso.

    Gracias por contactarnos, te hemos enviado un email con la información solicitada.

    Ha ocurrido un error a la hora de enviar tu mensaje. Inténtalo más tarde. Disculpa las molestias

    Descripción de los estudios de Grado en Diseño

    El Grado en Diseño de Bau, Centro Universitario de Diseño se adscribe a la rama de Arte y Humanidades y se articula de manera simultánea con contenidos provenientes de la cultura, el arte y las herramientas.

    Al acabar los estudios, la titulación otorgada corresponde al título oficial universitario de “Grado en Diseño” expedido por la Universidad de Vic-Universidad Central de Catalunya, con mención opcional en uno de los cuatro itinerarios formativos de especialización que el estudiante haya cursado a partir de la optatividad:

    • Mención en Diseño Gráfico y Comunicación Visual
    • Mención en Diseño Audiovisual
    • Mención en Diseño de Interiores
    • Mención en Diseño de Moda

    El número total de créditos ECTS de los estudios es de 240, repartidos en cuatro cursos académicos de 60 créditos ECTS cada uno. Todas las asignaturas son semestrales y cada curso académico consta de dos semestres.

    Los dos primeros cursos del Grado en Diseño son comunes, pero en segundo curso las asignaturas de Expresión Gráfica e Iniciación a Proyectos de Diseño se pueden orientar hacia uno de los itinerarios formativos que se quiera cursar a partir de tercero.

    A partir del tercer curso, el estudiante puede optar por seguir un itinerario formativo en una de las ramas del diseño que Bau ofrece: diseño gráfico y comunicación visual, diseño de interiores, diseño audiovisual o diseño de moda.

    De los 102 créditos optativos a cursar en el plan de estudios se contempla la posibilidad que 6 créditos puedan ser reconocidos como RAC. Los RAC son los créditos que los estudiantes pueden obtener para participar en actividades universitarias no programadas en el Plan de Estudios. Pueden ser de carácter cultural, deportivo, de representación estudiantil, solidario y de cooperación.

    El plan de estudios del Grado en Diseño de Bau incluye la realización obligatoria de Prácticas Externas. Las prácticas se pueden realizar a lo largo del 7º y 8º semestre del plan de estudios. La estancia en prácticas en empresas constituye un periodo muy valioso de formación y de ensayo, puesto que permite aplicar y complementar los conocimientos adquiridos durante la formación académica, y a la vez preparar los futuros profesionales para su incorporación al mercado laboral.

    Para obtener el título, el alumno tendrá que realizar un Trabajo Final de Grado con un total de 12 créditos ECTS. Este se realizará al último semestre de cuarto curso.

    Objetivos generales de la titulación

    En base a los objetivos generales que recoge la memoria de verificación del Grado en Diseño el estudiante, al finalizar los estudios, tendrá que:

    • Desarrollar la propia creatividad mediante el aprendizaje de lenguajes artísticos.
    • Adquirir conocimientos en profundidad de los acontecimientos socioeconómicos y culturales determinantes en la evolución del diseño, y la visión de los mismos desde una perspectiva crítica.
    • Dominar las técnicas específicas y manejar las herramientas necesarias por el desarrollo de la profesión.
    • Desarrollar proyectos de diseño de manera creativa, innovadora y profesional y estos tendrán que responder a las necesidades y demandas de la sociedad.
    • Adquirir conocimientos empresariales, de gestión y comunicación necesarios para poder diseñar y comercializar sus creaciones en el contexto del diseño nacional e internacional.
    • Desarrollar habilidades para transmitir, exponer y comunicar, tanto oralmente como por escrito, las propuestas personales de diseño ya sea en la lengua nativa como en inglés.
    • Desarrollar la profesión desde una actitud comprometida con el desarrollo sostenible y el respeto por el entorno.
    • Desarrollar habilidades para documentarse e investigar en el campo del diseño.
    • Adquirir habilidades para desarrollar proyectos de diseño en trabajos en equipo y en estructuras de colaboración y cooperacción.

    Salidas profesionales

    • Director de arte
    • Director creativo
    • Estratega en innovación e investigación
    • Gestor y coordinador de proyectos
    • Personal docente orientado al ámbito de la formación universitaria, secundaria y primaria
    • Ocupaciones vinculadas a la cultura del diseño: crítico, analista, comisario de exposiciones, editor de publicaciones, etc.

    Salidas profesionales específicas del itinerario de diseño gráfico:

    Diseñador gráfico, diseño editorial, diseño de packaging, diseño de identidad corporativa, diseño publicitario, ilustración.

    Diseñador Audiovisual, grafismo animado, cabeceras de programas, títulos de crédito, cierres de spots y otros productos audiovisuales; diseño de páginas web y otros sitios web, interficies web.

    Diseñador de Moda: diseño de moda en todos sus campos (sastrería, casual, lencería/baño, infantil, vestuario de espectáculos,…) comunicación de moda, coolhunting y estilismo.

    Diseñador de Interiores, diseño de interiores de espacios domésticos, espacios comerciales, espacios efímeros, espacios escenográficos.

    Gli appartamenti per le tue vacanze in Maremma – Villaggio Mare Si Follonica, appartamenti per le vacanze.

    #Appartamenti #per #le #vacanze

    Gli appartamenti per le tue vacanze in Maremma

    Il Villaggio turistico Mare Si a Follonica dispone di 230 appartamenti per vacanze in Maremma all’insegna del divertimento e del relax. Sono villette in muratura, collocate in costruzioni quadrifamiliari, disposte lungo vialetti pedonali ricchi di colori e profumi tipici della costa toscana: cespugli verdi, fiori di oleandro e olivi ti accompagneranno durante tutto il tuo soggiorno.

    La circolazione delle auto è consentita esclusivamente nella zona perimetrale, mentre è vietata nei vialetti interni dove i bambini possono giocare in tranquillità e senza pericoli. Ad ogni villetta è assegnato gratuitamente un posto auto privato nelle aree destinate al parcheggio.

    Tra gli appartamenti per vacanze in Maremma, questi del Villaggio Mare Si sono pensati per offrire ai propri ospiti il massimo del comfort.

    Esternamente sono dotati di una veranda arredata, con un tavolo e delle sedie per godere del fresco della sera, e di un piccolo giardino da cui si accede dal retro.

    L’interno è luminoso, spazioso e ben organizzato. Tutti gli appartamenti hanno un angolo cottura attrezzato con stoviglie, un bagno con doccia e, inoltre, sono forniti di una tv a schermo piatto con canali digitali, di aria condizionata e di biancheria sia per la camera che per il bagno che sarà consegnata al momento dell’arrivo.

    Per i bambini il Villaggio Mare Si ha sempre un occhio di riguardo: su richiesta si possono noleggiare sponde per i letti, culle e seggioloni.

    I cani sono considerati membri della famiglia. Alcune villette hanno un cancellino all’ingresso della veranda per impedire la fuga degli amici a quattro zampe. E’ necessario segnalare la presenza di animali ed è previsto un supplemento da pagare al temine del soggiorno: una piccola spesa finalizzata a garantire il servizio di pulizia e igienizzazione finale dell’appartamento.

    Tipologie degli appartamenti per vacanze in Maremma al Villaggio Mare Si:

    Diseño gráfico en Guadalajara, Diseño gráfico profesional, diseño y diseño grafico.

    #Diseño #y #diseño #grafico

    Diseño Gráfico en Guadalajara

    Elaboramos diseño gráfico al mas alto nivel. Las herramientas usadas y el conocimiento adquirido nos han colocado como un estandarte en el diseño gráfico. Durante años Guadalajara se ha considerado la cuna del arte, es ahí donde GrowStudio se ha formado para desarrollar el diseño gráfico como una forma de comunicación integral, pasando por aspectos de mercadotecnia y generación de ventas, llevando el diseño gráfico a otro nivel. Ofrezco el servicio de diseño gráfico en Guadalajara, pero también estoy abierto a trabajar para proyectos de cualquier punto del mundo, el límite es sin duda su imaginación.

    Diseño Gráfico en Guadalajara.

    Diseño gráfico a la medida de sus necesidades. Nuestro departamento de diseño gráfico se asegurará de que su proyecto sea visto y admirado por miles de nuevos clientes potenciales.

    El diseño gráfico

    El diseño gráfico es la justa medida entre los elementos y el espacio. Ser un diseñador gráfico en Guadalajara significa entender el valor del cliente, la marca o servicio y la transmisión del mensaje corporativo a su destino. El diseño de una pieza publicitaria, por ejemplo, contiene varios elementos que en conjunto deben formar un detonante de venta que puede y debe ser aprovechado por el cliente y su mercado. Siempre hemos pensado que el diseño gráfico es para las empresas como la medicina para los enfermos, es la cura y el refuerzo.

    Diseño Gráfico. Brochures. Diseño de Empaque. Suajes. Ilustración. Fotografía Profesional. Diseño de booklet. Dirección de arte. Publicidad. Diseño editorial. Diseño decorativo. Diseño Tipográfico. Posters. Diseño de Producto.

    Diseño gráfico en Guadalajara. Diseño de logotipos en Guadalajara. Diseño de tripticos en Guadalajara.

    Diseño gráfico Guadalajara

    El diseño gráfico Guadalajara tiene ventaja creativa en relación al trabajo de diseño de otros Estados de la República, inclusive de algunas partes del mundo. Hemos atendido proyectos de prácticamente todo el mundo, ampliando y refinando nuestro trabajo día con día.

    Diseñamos: publicidad . portada de disco . diseño de booklet . diseño de libros . diseño conceptual . identidad corporativa . diseño decorativo . diseño editorial . gráficos . diseño de murales . diseño tipográfico . logotipos . diseño exterior . empaque . tramas . ilustracion fotografica . posters . brochures . gráficos para escaparate