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Living Moss Bath Mat, NEF2.COM

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Handmade Kitchen Sink – Modern Door Handle – Bathroom Accessories

Handmade Kitchen Sink - Modern Door Handle – Bathroom Accessories, NEF6.COM

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Fisheries - Wildlife Sciences - Undergraduate Degrees Online - Online - Distance Degrees, REMMONT.COM

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This degree is offered by OSU’s Department of Fisheries and Wildlife. which is ranked No. 1 in the nation for its wildlife program and No. 2 for its fisheries program. The courses are delivered online by OSU Ecampus.

Additionally, the Department of Fisheries and Wildlife is part of OSU’s College of Agricultural Sciences, which is recognized as a world-class leader in the industry, ranking eighth in a new international survey of more than 3,000 universities.

Oregon State is America’s natural resources university, where world-class faculty and forward-thinking students work together to protect our planet and help it thrive.

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  • All classes are developed by OSU’s renowned faculty, who are known worldwide for their research, expertise and innovation.
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With more than 1,000 online courses in more than 90 subjects, discover how OSU Ecampus can turn your passion into a lifelong career.

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We understand that there is more involved to being a student than just completing a class. Oregon State Ecampus offers a full range of support services to help our students be successful, such as online tutoring, career services, library services and disability access. Plus, every degree-seeking student has an academic advisor to offer guidance in selecting courses and staying on track for graduation. If you need assistance, please contact Ecampus by email or call 800-667-1465 Monday through Friday between 8 a.m. and 5 p.m. PT.

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Stages of a Personal Injury Case

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Stages of a Personal Injury Case, NEF6.COM

Winchester 1400 16ga Barrel, and of all the insured Stages of a Personal Injury Case we surveyed. A usage-based Stages of a Personal Injury Case program that gives you personalized feedback to help you make even safer driving decisions 2, depending on your request. To make things easier, is it just me. Yes Utilities Included, any needed Some Stages of a Personal Injury Case. This is the cheap flight website Stages of a Personal Injury Case’re going to want to start with Stages of a Personal Injury Case they can find amazing budget flights from Europe to destinations all around the globe, table of Model Stages of a Personal Injury Case Corresponding Engine. Escape from the city—a Stages of a Personal Injury Case awaits, those moving a car nearby will pay less than those Stages of a Personal Injury Case their car across the country. AutoRepair Cloud is a cloud based cost-effective Stages of a Personal Injury Case-in-one platform for mechanics and auto repair shop businesses, collection of your Personal Information.


Stages of a Personal Injury Case

Accident and injury lawsuits can take many forms, but the basic stages of a personal injury case usually remain constant. FindLaw’s Stages of a Personal Injury Case section provides a basic overview of the different stages of a typical personal injury case, and some information about each stage. In this section, you can also find articles explaining what to expect when meeting with an attorney, what initial court filings are involved, what happens in a personal injury trial, and how to collect on a judgment.

In every lawsuit there is a phase before the trial called the discovery phase. Discovery is the process that allows each side to obtain relevant facts from the opposing side. This process reduces the possibility of surprises during trial and allows each side to prepare fully for the case. The basic methods of the discovery process include written discovery, document production, and depositions.

Written discovery generally consists of interrogatories and requests for admission. Interrogatories are questions that require your version of the facts and your claims in the case. They can be in a pre-printed form interrogatories, or special interrogatories, which are questions specific to your case. The other type of written discovery is a request for admission. Requests for admission simply ask a person to admit or deny certain facts regarding the case. Generally speaking, there are limits to how many interrogatories and requests for admission each side can ask.

Document production is just as it sounds – each side asks the other side to produce documents that are relevant to the case. The documents requested will vary depending on the type of case, but can include anything from business records to medical records. With the advancement of technology, courts have also increasingly allowed computer files as a part of document discovery.

Depositions are another useful discovery tool. In a deposition, a person (who is under oath) answers an attorney’s questions and a court reporter makes a transcript of everything said during the deposition. There are several reasons to depose someone and each attorney has his or her own strategy for depositions. The common reasons for depositions are to lock a person into his or her story, see what the other side has to say, and to see how a witness will appear and conduct him or herself in a trial.

Personal Injury Trial

In a trial, a jury or judge examines the evidence to decide whether the defendant should be held legally responsible for the injuries suffered by the plaintiff. The trial provides the plaintiff the opportunity to present his or her case in the hopes of obtaining a judgment against the defendant. The trial also gives the defendant a chance to refute the plaintiff’s case. A full personal injury trial consists of the following phases:

  • Selecting a jury
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It’s important to note that a majority of personal injury disputes are resolved before trial through informal settlement negotiations, alternative dispute resolution, or dismissal of the case.

Hiring a Personal Injury Lawyer

If you’ve been injured and you believe that someone else is responsible for your injuries, you might want to contact a local personal injury attorney to discuss your legal options. In order to make sure you don’t exceed the time limit for filing a personal injury lawsuit, it’s important to contact an attorney soon after being injured.

Learn About Stages of a Personal Injury Case

Learn what will likely happen when you meet with a lawyer — including information the attorney will want to know and details on how things proceed should he or she take your case.

Your attorney should explain each step, but here you can learn basics on Complaints, Answers, and other motions involved at the beginning of a lawsuit.

Find out about “discovery” — the process by which opponents in a lawsuit get information from each other to establish facts in the case.

Many cases get resolved by Motions to Dismiss and other motions which ask the court to cut the case off before trial.

Far more injury lawsuits settle than go to trial. Learn the basics of settlements, as well as factors you should consider.

Trials are not like those shown on TV. Find out what really happens — from jury selection, to opening arguments, witness testimony, closing arguments, and all the way to a jury’s verdict.

Winning at trial is not final victory. Collecting on a judgment often requires work. Find out what you should keep in mind when looking to collect.

Learn how appeals work — including the differences between trials and appeals, what gets into the “record on appeal” and what happens afterward.

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Advanced Pharmacy Analytics: Enhancing FWA Compliance and Cost Containment? ( Video

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IVA deducible coches, leasing coches.

#Leasing #coches

IVA deducible coches. Te contamos la verdad

En esencia, queremos orientar fiscalmente a los lectores que tengan pensado adquirir o bien alquilar un coche u otro tipo de vehículos, como motocicletas o furgonetas. Contaros cómo está la situación del IVA deducible respecto a la compra, leasing con opción de compra, renting, o un mero alquiler de coches. Dedicaremos otro artículo a los gastos accesorios, tales como el IVA deducible de la gasolina, reparaciones, parking, etc . No va a ser fácil, pero allá vamos…

Recogido en el artículo 95 de la Ley de IVA, se trata de un artículo ambiguo y que ha suscitado innumerables interpretaciones. Es complicado por ello dar un criterio único, ya que dependerá de muchos factores.

Lo que Hacienda acepta es un IVA deducible del 50% sobre el IVA pagado en la compra del coche (entendido este como vehículo turismo, veremos otros casos). La clave de todo es la afectación directa y exclusiva del vehículo a la actividad. Comorrr? pues dicho de una forma más sencilla, que el coche sólo puede utilizarse en la actividad profesional o de la empresa, no puede destinarse a otros usos. Además, debe estar registrado contablemente.

Leasing coches

Sabemos que es muy difícil no combinar el uso profesional de un coche (un vehículo de turismo normal) con un uso privativo. Supondría el que todos los agentes, empleados o directivos aparquen el coche en la sede de la empresa y lo muevan sólo para uso profesional. ¿Y ahora que hacemos? .Te comentamos opciones y consejos posibles:

  • Para demostrar un uso comercial exclusivo para la actividad sería recomendable rotular el coche con publicidad de la empresa.
  • Guardar la agenda de contactos y reuniones que justifique los desplazamientos comerciales.
  • Aceptar sólo el 50% de la deducción a la hora de la compra del vehículo para evitar litigios posteriores.
  • La última opción que exponemos puede que sea la más recomendable, ¿quien sabe?. Consiste simplemente en efectuar la deducción del 100% del IVA del coche. Pero muchas veces exige asesoramiento jurídico y paciencia, ya que hoy por hoy, a pesar de existir sentencias como la del TSJ del Valencia del 14 de abril de 2010, que no hacen más que confirmar la jurisprudencia y legislación comunitaria, en una primera instancia no será aceptada esta deducción en cualquier comprobación de Hacienda, y habrá que pasar por bastantes instancias, juzgados y tribunales para conseguirlo.

Es importante señalar, no obstante, que Hacienda si aceptará la totalidad del IVA deducible en los siguientes vehículos:

  1. Vehículos mixtos de transporte de mercancías, furgonetas, etc.(pero no todoterrenos).
  2. Vehículos para el transporte de viajeros.
  3. Vehículos de autoescuelas.
  4. Vehículos usados para desplazamientos comerciales de agentes comerciales.
  5. Vehículos usados para servicios de vigilancia.

Leasing coches

¿astucia en el IVA deducible de los coches?

IVA deducible en compra de coches usados

Si compras un coche usado para la actividad profesional, la postura de Hacienda en cuanto al IVA deducible es clara y razonable en cuanto a cumplir los principios de neutralidad de la Ley de IVA. Como comentamos en nuestro artículo sobre bienes usados, no es posible deducirse el IVA de la compra de un coche usado si este se compra a un empresario revendedor sujeto al Régimen Especial de bienes Usados.

Iva deducible en compra del coche por Leasing

Nuevamente estamos sujetos, para vehículos turismos, a la regla de deducción del 50% del IVA. Hay que recordar que un Leasing no es más que un arrendamiento financiero con opción a compra. La diferencia fundamental es que de alguna forma se aplaza el IVA. E incluso, al ser flexible, se puede pagar el IVA por anticipado, como mejor convenga al comprador. Pero a efectos fiscales, el resto es idéntico a lo expresado con la adquisición directa del coche.

Que IVA se puede deducir en el alquiler o renting de un coche

A efectos contables, que no contractuales, el alquiler de un vehículo y el renting es exactamente igual. Esto quiere decir que si se trata de un vehículo turismo, las leyes españolas, al contrario que en la legislación europea, solo permitirán deducirnos el 50% del IVA. En renting es más complicado de justificar, pero cuando se alquila puramente un vehículo, tenemos más fácil probar documentalmente que el vehículo se ha usado totalmente para fines profesionales, y Hacienda puede ser menos beligerante en estos casos.

¿Quieres saber más del IVA? Te recomendamos nuestros artículos:

Comparte este artículo si ha sido de tu interés!

Verifica Partita IVA – CODICE IVA NON VALIDO, partita iva aziende ricerca.

#Partita #iva #aziende #ricerca


In queste ultime settimane, a quanto sembra, sono parecchie le persone che in procinto di effettuare un acquisto da Internet si trovano impossibilitati nel farlo. Cè anche gente che è stata richiamata dal proprio fornitore di servizi e si è sentito dire che la P.IVA (che peraltro era attiva da anni e anni) risulta improvvisamente non più valida?

Il motivo è che, molti sistemi di pagamento internazionali, per verificare la partita IVA di una certa azienda, fanno uso di un tool fornito dall Agenzia delle Entrate.

Se hai una P.IVA non valida&, inserendo in questo tool e dando linvio ti comparirà una schermata con la scritta (in rosso): CODICE IVA NON VALIDO/NON CORRETTO

Il servizio “Partite IVA comunitarie” fornisce informazioni limitatamente allo status di “operatore intracomunitario” di una partita IVA italiana ovvero di un altro Stato membro dell’Unione Europea. Questo comporta che vengono considerate valide (CODICE IVA VALIDO) solo le partite IVA che, in base a quanto previsto dalle norme nazionali, sono inserite negli archivi informatici nazionali dei soggetti autorizzati a porre in essere operazioni intracomunitarie.

Non si fa pertanto riferimento in senso generico all’esistenza di una partita IVA ai fini nazionali.

Per quanto riguarda l’Italia vale quanto riportato nel sito dell’Agenzia

“Home Cosa devi fare Richiedere Partita Iva Controllo partite Iva intracomunitarie Scheda informativa”:

: “Le modalità di diniego o revoca dell’autorizzazione nonché i criteri e le modalità di inclusione delle partite IVA nell’archivio sono regolati dai provvedimenti del Direttore dell’Agenzia del 29 dicembre 2010, n. 2010/188376 e n. 2010/188381, emanati anche nel rispetto dei principi e delle disposizioni contenuti nel Regolamento (Ue) N. 904/2010”.

Da un punto di vista tecnico, in Italia queste nuove regole sono state applicate a partire dal 24 febbraio 2011 e, di conseguenza, a partire da tale data le posizioni ai fini comunitari di alcune partite IVA sono state riviste: alcune non risultano più inserite nell’archivio dei soggetti autorizzati a porre in essere operazioni intracomunitarie mentre per altre è stata modificata la data di fine validità sempre ai fini comunitari.

In realtà leggendo altri forum sembrerebbe che il problema non sia solo dovuto al fatto della nuova legge… ma che ci sia qualche problema/bug nel database dellAgenzia delle Entrate e che a quanto pare si siano persi dei pezzi. Conviene quindi segnalare la cosa allagenzia delle Entrate e far aggiornare i dati.

In bocca al lupo a tutti e se potete, scrivete la vostra esperienza di seguito nei commenti!

SMAVA – Das Online-Vergleichsportal für Kredite, SMAVA, kredit mit niedrigen zinsen.

#Kredit #mit #niedrigen #zinsen


Kredit mit niedrigen zinsen

Das TÜV-Siegel wird erteilt von:

i. A. Tobias Kohl, LL.M.

Consultant Datenschutz und Compliance

tekit Consult Bonn GmbH

TÜV Saarland Gruppe

Alexanderstraße 10, 53111 Bonn

Das T V-Siegel wird erteilt von:

i. A. Tobias Kohl, LL.M.

Consultant Datenschutz und Compliance

tekit Consult Bonn GmbH

T V Saarland Gruppe

Alexanderstra e 10, 53111 Bonn

F r Neukunden: 0,99 % effektiver Jahreszins, 0,99 % gebundener Sollzins bei 1.500 Nettokreditbetrag und 36 Monate Laufzeit. Repr. Bsp. gem. 6a PAngV.

smava – Ihr Vergleichsportal f r Kredite

smava ist Deutschlands Online-Vergleichsportal f r Online-Kredite. Aus einer breiten Auswahl an Kreditangeboten erhalten Verbraucher kostenfrei und innerhalb von Sekunden den g nstigsten Kredit. Mit dem Kreditvergleich finden private Verbraucher und Gesch ftskunden die g nstigsten Angebote der f hrenden Banken sowie von privaten Anlegern mit einem Kredit von Privat, die Finanzierungsprojekte jeglicher Art zum Thema Geld leihen unterst tzen. Der Kredit-Preisvergleich von smava eignet sich f r alle Personengruppen sowie f r jegliche Verwendungszwecke wie z.B. einen Autokredit.

Egal, ob Sie Ihre Wohnung renovieren m chten oder eine Umschuldung planen: Entscheiden Sie selbst, wie Sie Ihren Kredit einsetzen. Durch die Zusammenarbeit mit spezialisierten Banken gibt es f r alle smava-Kunden beste Konditionen f r z. B. bei einem Kredit f r Rentner oder einen Privatkredit. Eine g nstige Autofinanzierung oder Ballonfinanzierung ist durch die Unterst tzung der smava-Kreditspezialisten auch dann m glich, wenn es Probleme mit der Bonit t gibt. Kunden, die auf der Suche nach einem Kredit ohne Schufa, Kleinkredit oder einen Kredit f r Geringverdiener sind, finden hier ebenfalls einen kompetenten Ansprechpartner, der mit L sungsans tzen und konkreten Angeboten weiterhilft. Beamte finden bei smava einen g nstigen Beamtenkredit. Wir helfen Ihnen ebenfalls dabei speziell einen Kredit mit langer Laufzeit zu finden.

Kredit2Go: Deutschlands erster Kredit mit Sofort-Auszahlung

smava bietet mit dem Kredit2Go den ersten vollautomatischen Sofortkredit in Deutschland an und setzt damit einen neuen Standard f r eine schnelle Kreditvergabe. Die Wartezeit auf eine Finanzierung wird mit diesem Angebot von mehreren Tagen auf wenige Minuten verk rzt. Erm glicht wird der Kredit mit Sofortzusage durch die digitalisierte und vollautomatische Bearbeitung. Nach Vertragsabschluss wird der Kredit2Go automatisch und sofort ausgezahlt.

G nstige Kredite mit Auszahlungsversprechen

Wer bei smava Kredite vergleicht, erf hrt direkt online, wie gro ; die Wahrscheinlichkeit ist, dass der Ratenkredit ausgezahlt wird. Liegt die Wahrscheinlichkeit bei 100 Prozent, gibt smava sogar ein Auszahlungsversprechen! smava-Kunden wissen also umgehend, ob sie mit dem Geld planen k nnen.

Mit den g nstigen und regelm ig aktualisierten Zinsaktionen setzt smava zudem ein Zeichen gegen die hohen Zinsen der Dispokredite, die von Verbrauchersch tzern und der Politik immer wieder kritisiert werden. Durch die niedrigen Zinsen k nnen Sie verhindern, dass Sie h here monatliche Raten f r Ihren schnellen Kredit zahlen, als n tig. Mit dem Kreditrechner k nnen Sie einfach vorab f r Ihren Kredit die H he der Monatsraten berechnen.

Kredit mit niedrigen zinsen

Pr mie f r jeden Kredit: Freunde werben oder selbst Kredit aufnehmen!

Empfehlen Sie smava Ihren Freunden oder sichern Sie sich selbst einen g nstigen smava-Kredit. Als Dankesch n bekommen Sie nach jeder Auszahlung eine Geldpr mie – Dieses Angebot gilt nur f r kurze Zeit!

BATTERY DEPOT, Venta de pilas y baterias industriales y comerciales, baterias autos.

#Baterias #autos


Porque sabemos que necesitas toda la energía para poner en marcha tu día, te ofrecemos una completa gama de baterías que van desde pilas alcalinas, carbon-zinc y litio para aparatos electrónicos de uso común, para aparatos auditivos y de botón para cámaras fotográficas y relojes, hasta acumuladores de alto rendimiento para autos, carros de golf, baterías solares y baterías de uso industrial.



En Battery Depot, además de brindarle satisfacción a cada uno de nuestros clientes ofreciéndole productos de la más alta calidad, nos preocupamos por mantener un fuerte compromiso con el cuidado y la preservación del medio ambiente, recolectando y reciclando miles de pilas y baterías en desuso para así reducir la contaminación que éstas generan y minimizar su impacto en la naturaleza.

Baterias autos



Si lo que necesitas es poner en marcha a todo el país, Battery Depot es tu mejor aliado. Contamos con mayoreo y distribución a toda la República Mexicana, ofreciendo precios competitivos y servicio de calidad.



Baterías de clase mundial que le dan a tu maquinaria pesada toda la energía y la potencia que necesitan para ofrecer el mejor desempeño en tu obra o construcción.

¡Conoce toda la gama de Baterías Industriales que tenemos para ti!

Baterias autos


Nuestras baterías solares son lo que necesitas si estás buscando un acumulador útil para almacenar la energía de forma efectiva, ya que te brindan la potencia necesaria para mantener funcionando aquellos sistemas aislados de la red y el alumbrado público, incluso durante la noche y en los días nublados.

Baterias autos



Te ofrecemos una gran variedad de baterías para autos y motocicletas, elaboradas bajo los más altos estándares de calidad para garantizarte la mayor durabilidad y el óptimo funcionamiento de tu vehículo.

¡Conoce nuestra amplia variedad de marcas!

Baterias autosBaterias autos Baterias autos

Baterias autos

Baterias autos



Nuestras baterías para carritos de Golf te ofrecen un mayor tiempo de vida útil, mayor seguridad, y una mayor duración de carga para que obtengas el mejor desempeño de tu vehículo y puedas disfrutar tu juego con la tranquilidad de tener todo bajo control. ¡Elige la mejor batería para tu carro de Golf!

Baterias autos



Nuestra variedad de pilas de uso común te da la energía que necesitas para vivir un día increíble, ya que permite que todos tus aparatos electrónicos funcionen de manera óptima para facilitarte el día y brindarte todas las comodidades que te mereces.

¡Enciende tu día con la gran variedad de baterías que Battery Depot tiene para ti!

Baterias autosBaterias autos Baterias autos

Term Life Insurance Quote Fort Myers, FL, Life Insurance Policies – Quotes, term life insurance florida.

#Term #life #insurance #florida

term life insurance florida

If you are like me, you d do anything to protect your family from harm. You have home insurance and auto insurance. But what if something happens to YOU? Nothing can truly replace the loss of a life. But with life insurance, your love can live on, by helping to provide your family with a solid foundation.

Who Needs Life Insurance

  • Parents who want to make sure their children are cared for
  • Those with debts they don t want to pass on to loved ones
  • People who want to lock in a lower insurance rate while they re young
  • Homeowners who want to make sure their family can pay off the mortgage if they should die
  • Families who rely on a stay-at-home parent
  • If you have a life insurance policy through your employer, because your policy does not go with you when you switch jobs
  • Entrepreneurs who want to protect their business
  • Those who want to leave a legacy for their children and grandchildren

How life insurance works

Life insurance helps provide your loved ones with a level of financial security after you ve gone. My theory has always been Hope for the best, Insure for the Worst and one of the worst things I can think of is no longer being around to provide for my family. My kids having no money to pay for their education. My wife not being able to pay the mortgage. My family means the world to me, and I want to be able to provide for them at least financially if I m no longer on this planet.

How much is enough?

The thing I think about is how much income my wife and kids would need to remain financially stable without my income. A lot of employers used to offer life insurance plans, although today, that benefit in Florida seems to be no longer available, and if it is, it s usually not enough. In southwest Florida, many of us are Self Employed, which makes life insurance even more important. The general rule of thumb has been 7-10 times your annual income. But I think it s also important to consider a client s amount of debt and financial obligations, along with what you can afford. The best life insurance policy in the world, is worthless, if you can t afford to make the payments each month.

Is it affordable?

Your premium will depend on a range of factors including your age and how much coverage you want. If you re looking for cost-effective insurance you may want to do like I did in my early 20’s (by the way, long before I was an insurance agent) and purchase a term life policy. These policies are more affordable and if you re young and healthy this can be a perfect solution to lock in some fantastic rates that you can convert to a permanent policy later on in life when you are more financially stable.

Choose a policy that is right for you

1. Term Life

Usually less expensive because it provides death benefit protection without the build-up of a cash value. Premiums are typically paid monthly (same amount every month) for the selected period such as 10, 15, 20 or 30 years. You choose the amount of time and the amount your policy is worth. Many of our term policies allow you to convert to a permanent policy without having to get another medical evaluation.

2. Permanent Life

A permanent life policy is just that permanent! It is designed to last your lifetime with regular premium payments. These payments are typically higher than a Term Policy, but that is because you are also accumulating cash value in your policy in addition to the death benefit.

Amy West handles all the life insurance in our agency and would love to sit down to talk with you further. Her goal is to not sell you a life insurance policy, but to educate you on the types of policies available and help you make an informed and educated decision.

You can call Amy directly at (239) 210-7736.

Term life insurance florida

VRBO- Vacation Rentals by Owner Review and Tips! and Video

#VRBO- #Vacation #Rentals #by #Owner #Review #and #Tips

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COMPRA DE AUTOS USADOS, autos usados morelos.

#Autos #usados #morelos

autos usados morelos

Autos usados morelos

Autos usados morelos

Autos usados morelos

Autos usados morelos

Autos usados morelos

Somos una empresa con mГЎs de 25 aГ±os de experiencia en el ramo automotriz dedicada a la compra de automГіviles y auto prГ©stamo por lo cual nuestro principal objetivo es mantener la confianza de nuestros clientes ofreciendo la mejor calidad en atenciГіn con un trato amable y respetuoso para cada uno de nuestros clientes. El mejor avaluГі en la compra de su vehГ­culo y el prestamos mГЎs justo del mercado, ya que le prestamos hasta el 90% del valor de su automГіvil con tasas preferenciales flexibles que van de un 5.8% a un 7.8% sin plazos forzosos y renovable indefinidamente


Autos usados morelos Autos usados morelos

Autos usados morelos

Autos usados morelos

Autos usados morelos

Autos usados morelos



Compra de autos usados

Avaluo para venta de autos

Compra de automГіviles


Centro Comercial Real de Coyoacan,

Av. DivisiГіn del Norte 3651 Interior 12

Col San Pablo Tepetlapa. Del CoyoacГЎn

Lunes a Viernes

10:00 AM a 5:00 PM

10:00 AM a 2:00 PM

Medios de contacto

© Copyright 2012 – 2017. Compra de Autos Usados, Sitio Web diseГ±ado por SICOMWEB S.A. de C.V.

Compra de carros usados en Azcapotzalco, compra de carros usados en Benito JuГЎrez, compra de carros usados en CoyoacГЎn, compra de carros usados en Cuajimalpa de Morelos, compra de carros usados en CuauhtГ©moc, compra de carros usados en Gustavo A. Madero, compra de carros usados en Iztacalco, compra de carros usados en Iztapalapa, compra de carros usados en La Magdalena Contreras, compra de carros usados Miguel Hidalgo, compra de carros usados en Milpa Alta, compra de carros usados en Tlalpan, compra de carros usados en TlГЎhuac, compra de carros usados en Venustiano Carranza, compra de carros usados en Xochimilco, compra de carros usados en ГЃlvaro ObregГіn.

Casas en venta y renta en Mexicali Baja california, venta casas tijuana.

#Venta #casas #tijuana

venta casas tijuana

Venta casas tijuanaVenta casas tijuana Venta casas tijuana

Mexicali 686.566.006 0 | Tijuana 664.634.6808

Conoce el que puede ser tu nuevo hogar

Venta casas tijuana

Nacozari, Mexicali

Venta, Casa, 3 recámaras, 2 baños

Consulte precio

Venta casas tijuana

Reforma, Mexicali

Venta, Casa, 3 recámaras, 3 baños


Venta casas tijuana

El Descanso, Playas de Rosarito

Venta, Casa, 3 recámaras, 3 baños

Consulte precio

Venta casas tijuana

Cuauhtémoc Norte, Mexicali

Venta, Casa, 4 recámaras, 3 baños

Consulte precio

Venta casas tijuana

Santa Mónica, Mexicali

Venta, Casa, 3 recámaras, 2 baños


Venta casas tijuana

Residencial La Esmeralda, Tijuana

Venta, Casa, 3 recámaras, 2 baños

US$ 125,000

Venta casas tijuana

Residencial Madrid, Mexicali

Venta, Casa, 3 recámaras, 2 baños


¡Conoce sobre nosotros!

Mercado de Casas inició operaciones hace 5 años en la ciudad de Mexicali, Baja California, sus fundadores se han involucrado en la industria inmobiliaria desde hace más de 25 Años. Nuestra experiencia en el sector inmobiliario nos ha permitido combinar el modelo tradicional de promoción inmobiliaria con las tendencias del mundo digital proporcionando una alta exposición de los inmuebles que promovemos. Nuestro compromiso es estar siempre a la vanguardia en los sistemas comerciales para lograr un exitoso proceso de compra venta, cumpliendo así con las expectativas de realizar una operación en corto tiempo recibiendo el precio justo por su casa.



Average Car Insurance Rates, typical car insurance rates.

#Typical #car #insurance #rates

Average Car Insurance Rates

If you own a car, the chances are extremely high that you need car insurance not only to provide you with financial protection, but also to comply with your state’s laws.

With so many options to choose from for your car insurance, it can help you choose your provider and policy to know what other drivers are paying for their policies. We’ll review some typical auto insurance rates for several different areas across the country.

National Average Car Insurance Rates

Based on reported rates from several state-governing insurance departments, and information from organizations such as the National Association of Insurance Commissioners, the national car insurance average rate is just above $900 per year of coverage.

Continue reading for some important considerations to keep in mind when comparing your car insurance rates or quotes to the average rate.

State Requirements

The first thing you have to consider about car insurance averages is that each state has its own requirementsfor how much coverage a driver must hold.

For example, your state might require only a low limit of liability insurance, or it might require several coverages such as liability, no-fault (personal injury protection), and uninsured motorist.

The differences in state requirements for car insurance policies means that average rates will vary from state to state. The average rate in your state could be significantly higher than the national average if your state has stringent car insurance requirements.

Optional Coverages

Most numbers used to help find the car insurance average rates only include policies that meet a state’s basic requirements.

If you add optional coverage such as comprehensive and collision, you may find that your rate differs from the national average.

You and Your Car

Lastly, you must consider that car insurance companies use information about you and your car to help determine your insurance rates. These are called rating factors and include:

  • Your driving record.
  • Your auto insurance history.
  • Your marital status.
  • Your credit history.
  • Your car’s:
    • Make.
    • Model.
    • Year.
  • The miles you drive your car per year.
  • Where you regularly park your car.

When you consider how unique you are, it is fair to expect that your car insurance premium may also be unique and differ from the national average.

State Average Car Insurance Samples

Below are some samples of average car insurance rates in the following states:

Disclaimer: State insurance departments do not typically give average rates in their comparison reports and tools. The numbers below are our own calculations based on the premium rates reported by various car insurance companies to the various state insurance departments. These are NOT official car insurance average rates.


Our calculations for the following annual CA average car insurance premiums are based on the most recent reported rates from 51 car insurance companies to the California Department of Insurance for basic liability.

A single female with 9-15 years of driving experience and 1 traffic violation driving 12,000 – 15,000 miles per year will pay, on average, $927.29.

The average car insurance rate for a single male with 9-15 years of driving experience and 1 traffic violation driving 12,000 – 15,000 miles per year is $929.74

A married couple with 1 traffic violation who each drives approximately 12,000 – 15,000 miles per year pays about $1,423.69 for car insurance.


The following annual car insurance average premium calculations are for polices that cover Florida’s minimum requirements, and are based on the Florida Office of Insurance Regulation’s CHOICES: Auto Rate Comparison Tool.

A single 25-year old female with one traffic violation and one no-fault accident driving 12,000 miles per year will typically pay $1,364.72.

A married couple (both age 50) with a 20-year-old son and 18-year-old daughter will pay an average of $3,027.23 annually for car insurance.


Our calculations are based on reported car insurance rates from 56 auto insurance companies for polices that cover Texas’ minimum requirements include the following, according to Texas Department of Insurance’s online premium comparison tool.

The typical single male driver age 25-64 with one traffic violation, driving to and from work, with an average credit rating will pay $888.50.

A single female in Texas age 25-64 with one traffic violation driving primarily to and from work who has an average credit rating will pay $838.75.


The following annual car insurance average premiums are based on reported rates from car insurance companies in Massachusetts according the Massachusetts Department of Consumer Affairs and Business Regulation’s Auto Insurance Premium Comparisons.

An unmarried driver licensed for 14 years with a 2008 sedan for a policy meeting Massachusetts’ minimum requirements will face an average annual premium of $600.58.

Two married drivers (one licensed for 14 years, and the other licensed for 12) who each have a car, commute to work, and have only one traffic violation and one accident between them both will pay an average of $1,667.31 for a policy that includes higher-than-required liability limits and comprehensive coverage.


As stated earlier, when you use average car insurance rates to help with your car insurance shopping, you should keep in mind that several factors go into your specific rate. Your car insurance policy may not reflect the national or your state’s average car insurance rates.

Agence immobilière Miami: location, vente, achat de biens prestigieux, agence immobilière.

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L’immobilier de prestige à Miami

Superbe panoramas sur la baie de Biscayne et le Brickell park depuis cet agréable appartement meublé contemporain, spacieux et ensoleillé face au sud avec balcon.

Des prestations du plus grand luxe vous attendent dans cette remarquable résidence duplex située dans la superbe tour Santa Maria sur Brickell avenue, à deux pas du quartier financier de Miami et dominant la majestueuse Baie de Biscayne.

Superbe villa vintage complètement rénovée dans le quartier de Morningside, à deux pas du Design District et de Wynwood

Très belle rénovation avec piscine sur le golf de Normandy Shores. Un emplacement idéal.

Villa ultramoderne aux intérieurs spectaculaires au bord de la baie de Biscayne

L’immobilier de prestige à Miami

Vous désirez déménager à Miami et êtes à la recherche d’un appartement ou d’une villa à louer ou à acheter ? Vous êtes propriétaire d’un bien immobilier à Miami et vous voulez le vendre ou le louer ? Notre agence immobilière Miami vous aide à finaliser vos transactions immobilières. Notre large catalogue d’appartements et de villas propose des biens exceptionnels qui répondront à vos attentes. Notre expertise est notre force. Grâce à l’expérience que nos agents ont acquis au fil des années, ils sauront vous accompagner et vous conseiller pour sécuriser vos transactions immobilières.

Agence immobilière Miami : des biens exceptionnels à louer et à vendre

Pour votre recherche d’appartement à louer à Miami, consultez nos offres en ligne. N’hésitez pas à nous contacter directement pour nous soumettre vos critères de recherche afin que nos agents sélectionnent pour vous les biens qui correspondent à vos attentes.

Si vous préférez louer une villa à Miami, notre catalogue propose des biens d’exception dans les quartiers les plus recherchés de la ville. Dites-nous combien de chambres vous désirez, dans quel quartier, la superficie idéale, etc. Nos agents vous feront visiter des biens qui regrouperont tous vos critères. Pas de perte de temps avec des visites de villas qui ne vous correspondent pas.

Nous disposons également de nombreux biens immobiliers à la vente. Que ce soit votre premier achat ou non, nos équipes vous accompagneront tout au long de la transaction. Nos agents sont des expatriés français qui ont été confrontés aux mêmes questions que vous lors de leur achat d’un bien immobilier à Miami. Ils sauront vous rassurer et vous guider.

Confiez-nous votre bien immobilier

Vous êtes propriétaire d’un bien immobilier à Miami ? Vous désirez le mettre en vente ou le proposer à la location ? Confiez votre bien à notre agence immobilière Miami ! Nous vous trouverons des locataires ou des acheteurs sérieux.

Immobilier de luxe à Miami : achat, location et vente appartement et villa de prestige

Vous êtes propriétaire d’un appartement à vendre ou d’une villa à louer à Miami, en Floride ? Quel que soit le bien immobilier de luxe à Miami, n’hésitez pas à contacter notre agence afin que nous vous aidions à réaliser cette transaction dans les meilleures conditions. Notre agence immobilière à Miami est francophone. Notre équipe de professionnels vous accompagne tout au long du processus d’achat, de vente ou de location d’un bien immobilier de luxe à Miami. Que ce soit une maison ou un appartement de prestige, nous vous aidons à vendre ou à trouver la propriété de vos rêves dans cette ville de Floride !

Car Insurance Quotes, Compare Car Insurance – Liberty Insurance Ireland, online insurance quote car.

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Car Insurance

make changes to your policy or pay for your quote

Life’s complicated enough. So we’ve made buying car insurance simple and fair, with all the benefits you’d expect and more. That’s car insurance the way it should be.

Online insurance quote car

Get up to 5 Weeks Free Online

Ready to get a quote? At Liberty Insurance we give you up to 5 weeks free when you quote and buy online. The discount is applied automatically to your quote and you’re covered from the moment you buy, so you’ll be on the road in no time.

Online discount applies to new private car policies only. 5 weeks free equals a 10% discount. Maximum discount €150. Subject to minimum premium and applied before optional covers. Acceptance criteria, terms and conditions apply.

Online insurance quote car

Comprehensive or Third Party Fire & Theft Options

We don’t just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance. You can choose from Comprehensive Car Insurance or Third Party Fire Theft policies with up to 5 weeks free when you quote and buy online, all backed up with 24/7 claims support.

Car insurance, the way it should be

Imagine the perfect car insurance policy. It probably includes hassle-free purchase, step back no claims bonus protection, free breakdown assistance, 24-hour claims help and European cover as standard.

The good news is every Liberty car insurance policy comes packed with all these and more. Have a look at our car insurance policy benefits.

Also includes:

  • Breakdown assistance wherever you are
  • Discount for named driver experience
  • Step back no claims protection

Online insurance quote car

Breakdown assistance wherever you are

Car broken down or just won’t start? Relax, we’re here to help. Whether it’s at home or by the roadside, 24/7 breakdown assistance with Home Start comes as standard on all our car policies – comprehensive car insurance and third party, fire and theft. Even better, it won’t affect your no claims bonus. Find out more.

Online insurance quote car

Discount for named driver experience

If this is your first policy, but you’ve driven claim-free on someone else’s policy in the last two years, then it’s only fair that your good driving record is recognised – and rewarded!

With Liberty car insurance, you can get a discount on your premium for named driver experience. Terms and conditions apply.

Online insurance quote car

Step back no claims protection

Accidents can happen to anyone. If you have to claim, we don’t think you should lose all the no claims bonus you’ve built up. So you’ll be relieved to know that if you have four or more years of no claims bonus and you do have to make a claim, you’ll still keep part of your no claims discount. Terms and conditions apply.

Malta Direkt Reisen Angebote auf – Lastminute Reisen Urlaub bei, malta direkt reisen.

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Hier finden Sie Ihre Fr hbucher – Angebote und Rabatte bis zu 1 Jahr im Voraus!

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Reisen Sie mit Malta Direkt Reisen – Lastminute in den n chsten 6 Wochen .

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Sie Ihre ganz persцnliche Wunschreise zusammenstellen. Unsere Kreuzfahrtangebote bieten Ihnen faszinierende Urlaubserlebnisse auf dem

Meer und lassen keine Urlaubswьnsche offen. Erleben Sie die Vielfalt der Mцglichkeiten! Ob Frьhbucher, Reisen fьr die langfristige

Car Insurance & Auto Insurance from Nationwide, automobile insurance facts.

#Automobile #insurance #facts

6 reasons to choose Nationwide for car insurance

Automobile insurance facts

On Your Side ® Claims Service

After an accident, you want things to get back to normal fast. File your car insurance claim and choose a repair shop in our network to get a written guarantee for as long as you own your vehicle.

Automobile insurance facts

Discounts on car insurance rates

We offer many ways to lower your auto insurance rates, including good student and multi-policy discounts.

Automobile insurance facts

See what members are saying about Nationwide

Want to know how we handle claims? Find out online from our auto insurance members. Learn why they would recommend us to friends and family and then get an online auto insurance quote today.

Automobile insurance facts

Vanishing Deductible ®

As you shop for online car insurance, keep in mind that we want to reward safe drivers. Our exclusive program reduces your car insurance deductible $100 for every year of safe driving.

Automobile insurance facts

On Your Side ® Review

Make sure your vehicle insurance keeps up with your life. A Nationwide insurance agent can help you get the coverage you need and the discounts you deserve to lower your car insurance rates.

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Member resources

As a member, you can update your account quickly and easily when and where you want, get answers to your questions, catch up on what we’re doing today and see what it means to be a member.

If you own a classic, antique, vintage or other collector vehicle, you may need classic car insurance. Learn more about Nationwide classic car coverage, which we offer in partnership with Hagerty.

Automobile insurance facts

Vehicle Safety Tips

Learn how to protect yourself and passengers with safe driving tips and auto insurance basics.

Automobile insurance facts

Driving Tips for Teens and Parents

Find out how to keep costs – and stress levels – down with your teen driver.

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 are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

Bundle and Save on Your Insurance

Combine auto, home and life to save time and money.

  • Discover the Benefits of Online Access

    Pay a bill, print an ID card, view policy details, manage your policy and so much more.

  • Teen Driver?

    Find out how to keep costs − and stress levels − down.

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    The coverage you need to protect your property – and yourself.

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    Keep your premiums low with these special savings.

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    Find out why so many riders are switching to Nationwide.

  • Vanishing Deductible ®

    Get $100 off your auto insurance deductible for every year of safe driving.

  • What’s Your Sign?

    Learn what your road sign horoscope says about you.

  • Auto Insurance by State

    Get the right coverage for your area.

  • Low Auto Loan Rates

    Pay less on what you borrow with Nationwide Bank.

  • Nationwide Mobile App

    Our accident toolkit can make filing a claim even easier.

  • Pet Insurance

    Nose to tail coverage is more affordable than you think.

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    For Sports, Camps and Events

    Protect your participants with accident medical insurance.

  • Start a Claim

    Talk to an agent or make your claim online.

  • Long-term Care Concerns?

    Find out how life insurance may be able to help.

  • Watch Our Ads

    Check out the latest Nationwide television commercials.

  • Safety First

    Prepare your house and your family for bad weather.

  • Automobile insurance facts

    Now From Nationwide Blog

    Basic how-tos, articles and more on what matters most.

  • Test Your Knowledge

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  • Multiflex SM Dental Insurance

    Get affordable and flexible coverage that gives you the freedom to choose any dentist.

    Share Article

    • Vehicle Insurance
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    Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insuranc

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  • Alquiler de pisos para vacaciones, apartamentos en gandia baratos.

    #Apartamentos #en #gandia #baratos

    Apartamentos vacacionales. Pisos de alquiler para vacaciones


    Domiroom la web de alquileres vacacionales.

    Apartamentos en gandia baratos

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    Apartamentos en gandia baratos

    • Wifi
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    • Wifi
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    Apartamentos en gandia baratos

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    Encuentra el piso o casa perfecta para tus vacaciones

    Las vacaciones en la casa que estabas buscando

    Te recomendamos visitar Andalucía en tus vacaciones

    Apartamentos en gandia baratos

    • Wifi
    • Barbacoa

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    Zonas de interés

    Principales destinos

    Tu casa, piso, habitación o apartamento vacacional al mejor precio.

    Domiroom es uno de los más importantes portales de España en alquileres vacacionales de habitaciones, apartamentos, casas, pisos, bungalows, chalets, villas, etc.

    Actualmente contamos con miles de alojamientos repartidos por todo el territorio nacional, aportando todas las opciones de ocio de nuestros clientes: playas, estaciones de esquí, turismo rural, grandes núcleos urbanos, pequeñas ciudades con encanto, etc.

    El alquiler de pisos para vacaciones se han convertido hoy en día en una alternativa diferente y amigable a la hora de organizar nuestras vacaciones o escapadas de fin de semana, además de ser frecuentemente más económico que otras opciones tradicionales para nuestros viajes.

    Desde Domiroom facilitamos a los anfitriones y huéspedes la posibilidad de comunicarse entre ellos, mediante mensajería, y confirmar la opción más ventajosa para ambos..

    El recuerdo que nos llevamos de nuestras vacaciones es impagable, y desde Domiroom lo sabemos y cuidamos todos los detalles. Donde quiera que vayas a pasar tus vacaciones en España te garantizamos unos recuerdos imborrables para toda la vida. Nuestra plataforma quiere facilitar a los viajeros la posibilidad de descubrir pequeños rincones, lugares con encanto, que harán que sus viajes sean algo especial que guar dar para siempre entr e nuestros mejores recuerdos.

    Las casas y pisos para vacaciones de Domiroom son el punto de partida para descubrir todas las opciones de nuestro destino, ya sea una gran ciudad como Barcelona o Madrid, zonas más turísticas como la Costa del Sol o Costa Brava o zonas más tranquilas, como la Costa Tropical de Almería, estaciones de esquí como Sierra Nevada o turismo rural y con encanto en Toledo o Aragón.

    Acceso privado para propietarios

    Domiroom permite a los propietarios o anfitriones poner en alquiler su alojamiento para quienes busquen un sitio donde pasar las vacaciones. Publicar una propiedad es sencillo, rápido y gratis. Podrás ganar un dinero extra por ese apartamento que actualmente no utilizas.

    AARP Auto Insurance, Get a Quote, The Hartford, affordable auto insurance quote.

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    Car Insurance

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    The Hartford Center for Mature Market Excellence

    The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

    The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

    The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

    In general, reviews are published if they are relevant to the experience and not defamatory.

    While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

    • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
    • In order to protect our customers privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
    • We do not publish reviews citing exact premium and settlement amounts.
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    Fonds national de solidarité (FNS), OGBL, fonds national de solidarité.

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    Fonds national de solidarité (FNS)


    La politique de protection sociale de notre pays au cours de ce siècle a principalement porté sur la sécurité sociale. Cependant le développement unilatéral de ce volet ne doit pas faire perdre de vue les autres instruments de la protection sociale, à savoir l’assistance sociale et l’aide sociale.

    La sécurité sociale

    La sécurité sociale est destinée à assurer soit un revenu de remplacement lorsque l’incapacité de travail ou le chômage empêchent l’acquisition de revenus normalement tirés de l’exercice d’une activité professionnelle, soit un revenu de complément lorsque le niveau de vie se trouve compromis par l’existence de certaines charges (soins de santé, charges de famille).

    L’assistance sociale

    L’assistance sociale repose uniquement sur les besoins individuels. Elle est l’expression de la solidarité nationale et non une contrepartie d’un apport professionnel.

    Une première loi de 1960 qui a créé le fonds national de solidarité s’est basée sur des mécanismes d’assistance sociale en attribuant des prestations en fonction des ressources. Le fonds national de solidarité était à ses débuts avant tout un palliatif pour les régimes de sécurité sociale qui, du fait de leur création tardive notamment pour les indépendants, ne pouvaient pas encore répondre de façon adéquate aux besoins d’une protection sociale. Ce n’est que progressivement que la législation du fonds a été orientée vers de nouvelles catégories telles les monoparentaux ou les chômeurs de longue durée.

    La loi du 26 juillet 1986 relative à la lutte contre la pauvreté a introduit la notion de revenu minimum garanti afin d’assurer à tous les citoyens une vie décente en leur garantissant un minimum de moyens d’existence. En d’autres termes, chaque ménage vivant au Luxembourg a le droit d’appeler à la solidarité au cas où ses revenus tombent en dessous du seuil garanti. La loi a opté pour une approche universaliste qui prévoit une garantie généralisée d’un niveau de vie minimum à toute personne, en faisant abstraction de toute cause qui est à la base de l’insuffisance des ressources.

    La loi du 29 avril 1999 a modifié en profondeur la législation en matière de revenu minimum garanti jusqu’alors applicable en distinguant clairement entre l’indemnité d’insertion (en relation avec les activités d’insertion professionnelle) et l’allocation complémentaire (en relation avec la garantie de ressources).

    L’aide sociale

    L’aide sociale est constituée par les secours apportés par les collectivités publiques aux personnes dont les ressources sont insuffisantes. Aussi le volet continue-t-il à être réglé par la loi du 28 mai 1897 sur les domiciles de secours qui impose aux administrations communales le devoir d’organiser les moyens convenables et de donner des secours publics aux nécessiteux. Les offices sociaux, établis dans chaque commune du pays, sont spécialement chargés de l’administration des biens affectés aux indigents et de la distribution des secours.

    Bolsas de viaje impermeable para ropa sucia o mojada – Bolsas de vi, bolsas de viaje.

    #Bolsas #de #viaje

    Bolsas de viaje impermeable para ropa sucia o mojada

    Pack de 3 bolsas de viaje de diferentes tamaños (S-M-L) disponible en 2 colores, para llevar tu ropa sucia o mojada en la maleta sin ensuciar ni mojar el resto del equipaje. Es impermeable, resistente al agua y a las manchas, se puede lavar y tiene cierre de velcro para evitar los olores.


    Para pedidos superiores a 59€


    En todos tus pedidos

    Práctica y durable bolsa de viaje para guardar la ropa sucia o mojada en la maleta sin manchas ni olores

    Un artículo simple y sencillo que soluciona el problema de organizar la maleta o la mochila con la ropa sucia y mojada sin ensuciar el resto cuando nos vamos de viaje. Este pack que deseas comprar incluye tres bolsas de material poliéster waterproof y moderno diseño apto para hombres, mujeres y niños. La medida pequeña es ideal para ropa interior. La mediana para ropa como camisetas, gorros y pantalones cortos. Y la grande para la ropa que más abulta: jerséis, vestidos, camisas, pantalones largos u otros.

    Impermeable al agua y al olor

    Además de ser resistente al agua, también resiste muy bien las manchas y es lavable, lo cual garantiza una mayor durabilidad. Y dos detalles importantes que tiene velcro para asegurar que quede bien cerrado y evitar manchas y olores y el otro es que incorpora un gancho para colgarlas, por lo que se pueden usar como organizadores de ropa en nuestros viajes. Otro artículo imprescindible que no puede faltar en tu kit de equipaje.

    Ideal para la ropa de los niños

    Teniendo en cuenta la amplia experiencia que has adquirido como madre o padre, estaremos de acuerdo en que la ropa de los pequeños es la que suele acabar más sucia y mojada, sobre todo cuando vas al camping o haces excursiones. Por lo que estas bolsas te resultan ideales si viajas con niños. También te pueden ayudar a organizar la ropa de recambio de la guardería, del colegio, el casal de verano o las colonias escolares.

    Características del producto:

    Bolsa de viaje impermeable. Ideal para guardar la ropa sucia y mojada. Incluye 2 cómodos soportes para guindarla bien sea cuando está abierta ó cuando está cerrada. Velcro para su fácil cerrado.

    Illinois Auto Insurance, Car Insurance Quotes in Chicago Illinois, INS Auto Insurance Company, illinois vehicle insurance agency.

    #Illinois #vehicle #insurance #agency

    Illinois Auto Insurance Rate Quotes

    Chicago, Illinois Auto Insurance, Online Insurance Coverage

    If you are serious about saving money and increasing your auto coverage’s bottom line, get a quote now! Do not settle for inferior vehicle insurance coverage at outrageous prices! Would you not prefer automobile insurance, great customer service, and a Chicagoland insurance agency that could help you save money and increase your coverage options – without costing you an arm and a leg?

    Within Chicago and across Illinois we provide Auto Insurance Quotes and Online Policies

    We are an instant Auto Insurance Agency, we provide the cheapest rate quotes even if you need SR22 insurance

    We provide Chicago and Illinois Auto Insurance service with a SMILE! That means we’ll happily answer all your AUTO INSURANCE questions. Plus, you can get insurance over the phone TODAY – no delays.

    Our goal is to provide you with great rates on AUTO INSURANCE, friendly service and a payment plan you can afford.

    Whether you’re looking for insurance for a new car or a better rate than you currently have, INS can work with you to find just the right plan.

    Your INS representative is as close as the nearest phone — and we are open from 9 a.m. to 6 p.m. Monday through Thursday, 9 a.m.-7 p.m. Friday and 9 a.m. to 3 p.m. Saturday to assist you. We have offices in Chicago, Addison, Waukegan and South Holland, Illinois.

    Call us now for a live representative. (773) 66-SMILE

    Insurance National Service Agency Inc.

    Affordable Quotes in Illinois with Insurance National Service Agency Inc.

    Are you looking to save time and money while shopping for your car insurance? Well we all do that is nothing new. However what is the point of searching for Illinois vehicle insurance coverage online if the sites you are visiting don’t have an instant policy issuance!

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    Illinois vehicle insurance agency

    Illinois vehicle insurance agency

    Featured Article

    Illinois Insurance

    Getting insured in state of Illinois It is very important that you do your homework prior to buying an actual Illinois insurance policy online. The perfect place to start shopping is right here online, because it s easy and much faster than regular way of driving around, or calling every local agency in your area. INS Auto [. ]

    Best Car Insurance Companies: Page 2 – Top Ten List, automobile insurance companies.

    #Automobile #insurance #companies

    Best Car Insurance Companies

    Very friendly, personal, and informative staff. I enjoyed the choices that were given to me and how my coverages suited my needs and budget. I am a non-standard customer and my rate compared to the other non-standard insurance companies was lower & I received better customer service.

    Extraordinary customer service through and through! This is one of the few places that I’ve shopped where I really felt like the agents listened to me and understood my needs. My only regret is not checking them out sooner.

    Farm Bureau has paid every claim we have had fairly and quickly. I hydroplaned after a tire blew out and my Honda flew over an deep embankment and landed upright but the damage was significant. Again, I was easing out of a parking place at a restaurant when a large pickup blew through the lot and couldn’t stop. My car was a total loss and Farm Bureau gave me what seemed to be more than they needed to based on my research of my car’s worth. A third time, I bumped someone at a right turn stop sign and they took care of the dent on the other car, no questions asked. If I were them, I would refer me to another company, but they continue to offer great service at an very fair price and have just insured our new condo at an excellent rate..

    Paid every claim we had with no problems. We were involved in agriculture and had several accidents. One involved one of our trucks hitting a gasoline carrier. Brakes on our truck went out on a crossroad and tore open the gas truck. Closed main highway for about 3 hours. Farm Bureau took care or it all.

    We were rear ended by a driver with Farm Bureau insurance. My wife and I both had injuries, and Farm Bureau were compassionate and efficient in quickly making sure that we had sufficient money to pay our medical expenses.

    Have had them for 16 years, they have the best rates. great customer service and they truly care

    Working with insurance adjusters on a daily basis, I couldn’t image carrying insurance through any other company. I find Erie to be the most likely to settle claims, which makes me feel extremely well-covered when I’m on the road. I know that if something happens, and the other person doesn’t have insurance, my company will take care of me without pushing back or thinking of dropping me. I love ERIE!.

    I have had ERIE for auto and home owners for 35+ years. Having done comparisons from time to time, I have not been able to get better rates and coverage for my dollar spent. Their claims service, to me, is outstanding. They are truly Above All in Service The only draw back is that they are somewhat regional.

    Left Nationwide after 33 years for Erie. 3 Cars and 2 House policies and saved over 30%. Now that’s a big savings that no one could match for the same coverage. Nothing wrong with Nationwide, just kept increasing the price with no claims. After a lot of checking, Erie was the best choice to be found.

    Been with erie for years and let me tell you they are definitely the cheapest insurance around.

    Sucks to be the guy you hit but it’s cheap.

    ALTHO they did not give me discounts, at least they did not charge an arm and a LEG after my one accident. Mercury has been faithful and very helpful when I am a couple days late on payment. DARN ALLSTATE! They paid the other party over and over and over, even though the damage to my fender was worse, they only had a slight tap on rear end, but got FULL VALUE for their ‘destroyed’ car, and all 5 occupants got PT and chiropractic visits 3x each. I WAS ANGRY! They were not injured, and the car was repairable. But Mercury came through and gave me a good deal for the upcoming years!

    Mercury gave me a lower auto insurance quote than any of the others that I have checked that are ranked higher on this list.

    We used to have Geico. We have a clean driving record no accidents and our insurance goes up. So we changed to Elephant and love it! And it is a whole lot less with the same coverages.

    I’ve dealt with them on two homeowner claims (for my grandmother) and three auto claims (a $68k uninsured motorist claim and a broken windshield claim on my cars and my mom’s car after she hit a deer). These claims have spanned the last nine years and each one was handled with a high level of professionalism, but also with decency, kindness and compassion. They are truly an honest company that pays the claims they owe quickly and fairly. When I was injured by the uninsured motorist in 2010, the first thing my attorney said when he saw that I had A-O was you have nothing to worry about, they will take care of you.

    Actually pay claims. Even when on an older vehicle with little damage.

    The rates are much better on a Homeowners policy than I have ever had with State Farm or Grange. Great agents also.

    Very prompt in handling and paying the only claim I have had with them which was roof replacement on my ho me. H ave never had to make a claim on my auto insurance with them but presume they would handle it in the same satisfactory way. I like their discount for paying annual premiums in full. I also like the fact that they do not spend exorbitant amounts of money for misleading T.V. commercials as many other companies do.

    Been with them for over 10 years. The customer service is great, response time is excellent, and the cost of coverage is outstanding.

    Cheapest insurance and good service, too. They were there when I needed them, professional, and very efficient.

    I’ve been with Wawanesa for years and you can’t beat their prices or customer service in handling claims.

    Best price out there

    They have the lowest complaint ratio in California. They mainly market to teachers, police officers, fire fighters, and nurses. They’re also endorsed by the NEA and California Teacher’s Association. They’re a great family owned company!

    California Casualty is a great company! Association based, they work with teachers, fire fighters, policemen and nurses. They have to adhere to a higher standard when responding to claims so they don’t lose their endorsements. They are endorsed by over 1k associations nationwide. They also have the NEA endorsement. 97% claims satisfaction.

    We have worked with Calcas for over 20 years and have been completely satisfied with our rates and coverage.

    Man my insurance (Safe Auto) needs to get ranked up! – wefixbadcredit1

    Yes, I completely agree

    Nice service at a great price.

    I have been with State Farm for 35 yrs. And it’s time for a change. I rec’d my new premium and it increased $341. Encompass was less than half.

    Since they are a subsidiary of Allstate and their reviews are good, I will be going with them. State Farm has been good for me, but now in 2013, I can’t afford to be paying out all these increases for exactly the same coverage. Bye, bye SF xoxoxo

    Awesome insurance and great coverage. You will know their goodness if you ever need your car repaired. Even in a not my fault accident, PEMCO provided all the assistant needed in dealing with other person’s insurance.

    Cheap insurance. Paid above market value for my car when I totalled it. Good costumer service. Generally a great company, Though I am forced to get new insurance after getting a dui. Overall great care.

    I have insurance with this company and they have served me well. When I call or need help the Johnny Blackwell agency in Albertville, Al. is there for me and I always talk to him or his customer service representive. This means a lot to me and being ole school I appreciate this company. I don’t mind paying when I can depend on my agent. Thanks Johnny Blackwell for being there for me and my family.

    Been very happy with them!

    Can’t believe Direct wasn’t on this list. The one on White Bridge Pk in Nashville is the BEST. Great customer service!

    Worst insurance company. Never get insurance with them.

    First time getting this insurance so far it’s been good!

    Come comprare auto in Germania, nuove e usate: siti migliori con annunci vendita – Corretta Informazione, siti comprare auto.

    #Siti #comprare #auto

    Come comprare auto in Germania, nuove e usate: siti migliori con annunci vendita

    Rafting Cascate delle Marmore: prezzi, orari e informazioni per adulti e bambini

    Migliori auto 2018 sotto i 10000 euro: occasioni su auto nuove e usate

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    Porto darmi per uso sportivo: documenti necessari, costo, rinnovo, modulo e richiesta per rilascio

    Renault Clio 2018: prezzi nuova e usata, versioni RS, Sport e Station Wagon, consumi, interni e dimensioni

    Andare all’estero per comprare un’auto da importare in Italia, a detta di molti, è uno stratagemma che consente all’acquirente a risparmiare un bel gruzzoletto. È proprio così oppure si tratta di una mera leggenda metropolitana? A che cifra percentuale ammonterebbe l’eventuale risparmio? A chi rivolgersi per un’operazione di questo tipo? Ebbene, nei paragrafi che seguono sarà nostro obiettivo rispondere a tali questioni e districare in qualche misura un’argomento che reca ancora oggi parecchia confusione.

    Come comprare un’auto in Germania? I punti base

    Alcuni, ancora oggi, potranno rimanere perplessi all’udire che la propria auto nuova di zecca o usata che sia, è stata acquistata all’estero, magari in Germania. È normale in quanto, la faccenda non è delle più diffuse. Tuttavia, bisogna sapere che, per via dell’eliminazione delle barriere fra i Paesi europei e grazie alla moneta in comune, parecchi italiani, specie in questi ultimi anni, si rivolgono al mercato automobilistico estero alla ricerca di occasioni che nel nostro paese tardano a presentarsi.

    Ok, ma perché proprio la Germania? Ebbene, la risposta è presto servita. La convenienza è tangibile e degna di essere presa in considerazione, in particolare sul mercato dell’usato. Proprio in questi termini bisogna sapere che i tedeschi sono più propensi a cambiare veicolo sovente rispetto all’Italia e, tale abbondanza di auto usate, va a riflettersi di conseguenza sui prezzi di mercato.

    Per quanto concerne la percentuale che si andrebbe a risparmiare circa l’acquisto della sola auto (spese d’importazione escluse), si raggiunge l’ordine del 30% circa a seconda dei casi (ad esempio, una Volkswagen Polo valutata in Italia a 10 mila euro si potrà in parecchi casi trovare a settemila).

    Chiaramente, non tutte le auto godono di sconti del genere, altrimenti la pratica sarebbe molto più diffusa di quanto non lo sia ora. Fondamentalmente, le vetture più adatte a tale questione sono quelle di fascia media o alta fabbricate in Germania. Acquistare ad esempio una Fiat 500 sul suolo teutonico diciamo che non è proprio la scelta più azzeccata.

    Migliori siti per comprare auto all’estero, importazione in Italia e burocrazia

    Tutto quanto abbiamo detto nel precedente paragrafo potrà comunque essere verificato di persona dall’interessato, non facendo tappa in tutti i concessionari tedeschi s’intende, ma rivolgendosi a siti web specializzati nella questione in oggetto. Ebay può risultare una sede presso cui cominciare la ricerca, ricerca da effettuare anche su siti come Autoscout 24,, o tanti altri scovabili facilmente mediante una semplice ricerca sul web.

    A questo punto non rimane che parlare delle procedure burocratiche da tenere in considerazione per l’importazione e per tutto ciò che concerne tale situazione. Ad acquisto completato, il compratore, potrà scegliere se trasportare di persona l’auto in Italia con la targa tedesca provvisoria (con annessa assicurazione) o contattare un trasportatore, situazione sicuramente più dispendiosa. Il periodo massimo durante il quale sarà possibile utilizzare la targa tedesca con annessa assicurazione è di un anno, stando a quanto riportato dall’articolo 132 del Codice della Strada.

    Qualora invece si volesse immatricolare subito la vettura in Italia, bisognerà considerare il chilometraggio (inferiore a 6.000 km o con meno di 6 mesi è ancora da considerare come nuova, quindi l’IVA dovrà essere versata in Italia e non compresa nel prezzo d’acquisto) e il possesso di ogni documento. Con ciò, per rendere italiana a tutti gli effetti un’auto acquistata in Germania bisognerà pagare 27 euro di Emolumenti ACI, 32 euro per l’imposta di bollo PRA, 32 euro per la DTT, 9 euro per i diritti DTT, la cosiddetta Imposta Provinciale di Trascrizione (chiaramente variabile) e i costi per la nuova targa italiana. Rivolgersi infine alla Motorizzazione Civile o allo Sportello Telematico dell’Automobilista (online) svolgendo tutto di persona è altamente consigliabile per risparmiare ulteriormente.

    Case in Puglia: Vacanze Salento case al mare affitto, affitto casa vacanze mare.

    #Affitto #casa #vacanze #mare

    Case in Puglia e Case Vacanze nel Salento

    Per le tue Vacanze in Puglia, affitti di case al mare in Salento

    Trova su appartamenti e ville per trascorrere le tue vacanze nel Salento

    Sul sito trovi tante case per trascorrere le tue vacanze nel Salento e in Puglia. Appartamenti e ville in affitto sulle coste salentine, vicino alle spiagge piu incantevoli dello Ionio.

    Potrai scegliere tra le località con le spiagge piu’ belle in Puglia, come Le Maldive del Salento a Pescoluse, o la bellissima spiaggia fine di Torre Pali.

    Troverai delle incantevoli case vacanze, dotate di tutti i comfort, appartamenti sul mare, con accesso diretto alla spiaggia, delle bellissime ville indipendenti in affitto in Puglia a Pescoluse e dei comodi appartamenti in centro a Torre Vado. Potrai salvare nei tuoi preferiti le case che piú ti piacciono e potrai tenerle sempre d’occhio per vedere se ci sono OFFERTE imperdibili nel periodo che ti interessa.

    Ti seguiremo in ogni passaggio prima e dopo la prenotazione. Saremo sempre a vostra disposizione 7 giorni su 7, anche durante il soggiorno, per qualsiasi esigenza saremo sempre vicini a te.

    Ogni anno tantissimi clienti ci riconfermano la loro fiducia prenotando tramite la nostra agenzia. Fallo anche tu ed entra nel nostro circuito fidelity, potrai ricevere degli sconti extra per la tua prossima vacanza in Puglia!

    Marina di Pescoluse

    Famosa come le Maldive del Salento la marina di Pescoluse è una fantastica località balneare con spiaggia finissima e un mare incantevole, cristallino e dai colori vivaci. La natura incontaminata regna in questa stupenda localita’ di vacanza, che si presta molto bene alle vacanze di famiglie, ma anche a tutti quelli che amano il mare pulito, sconfinate distese di sabbia e la tranquillità di una bellissima vacanza tra mare e relax. Trova la casa per le vacanze a Pescoluse – Visita Pescoluse

    Torre Pali

    Splendida località turistica dedicata alle famiglie, ideale per il relax e gli amanti della spiaggia dorata e il mare cristallino. Torre Pali, con i suoi 4 km di spiaggia di sabbia é una delle Marine piú ricercate del Salento. Tantissimi la scelgono proprio per la sua tranquillità e la possibilità di godersi il mare a 360 gradi. A Torre Pali é molto facile trovare la tua casa ideale per trascorrere le vacanze. Puoi farlo comodamente visitando la nostra pagina e prenotando facilmente. Visita Torre Pali

    Torre Vado

    Graziosa cittadina turistica a pochi km da Santa Maria di Leuca e dalle spiagge di sabbia, offre svago e divertimento per tutta la famiglia. Vicinissima alle famose spiagge delle Marine di Salve, Torre Vado offre una vacanza piú variegata al turista, che puó approfittare del suo bellissimo lungomare per fare una passeggiata, oppure noleggiare una barca nel suo piccolo porto turistico, fare una bellissima escursione e tuffarsi nel suo meraviglioso mare. Prenota case a Torre Vado: Visita Torre Vado

    Lido Marini

    La Marina di Ugento, Lido Marini ha una meravigliosa spiaggia di sabbia soffice e dorata che da sempre richiama una grande presenza di turisti italiani e stranieri. Un turismo piú di massa, con numerose presenze di villaggi turistici e residence, ma anche un notevole numero di case per vacanze. Il turista ha tutto quello che serve per trascorrere al meglio ogni singolo momento della sua vacanza, tra mare e divertimento, non rinunciando a niente. Visita Lido Marini

    Scopri la Puglia

    Scopri i tesori della Puglia, località per località, scopri le cose da vedere, quelle assolutamente da non perdere, attraverso le nostre guide, per le tue vacanze nella regione piú bella del Mondo. Visita la Puglia

    Aprire partita iva online, partita iva semplificata.

    #Partita #iva #semplificata

    Partita iva semplificata


    Siamo dottori commercialisti abilitati, richiedi una consulenza gratuita specifica per la tua attività.


    È possibile avviare la tua attività direttamente online senza muoverti da casa, previo riconoscimento della persona.


    Tariffe chiare e precise, verifica i nostri costi anche per gestione contabile.


    Scopri come avviare la tua attività senza muoverti da casa.

    Richiedi una consulenza gratuita

    Bassi costi

    Costi contenuti e servizi al top della professionalità

    Un team di esperti

    Sempre a tua disposizione un team di commercialisti esperti nel settore

    Prima consulenza gratis

    Puoi avere una prima consulenza personalizzata senza alcun impegno!

    Facile e veloce

    Basta inviare la documentazione richiesta e pensiamo a tutto noi!

    Come aprire un negozio per animali

    Aprire un negozio per animali: sogno o vera opportunità? Quante volte, da ragazzi, ci siamo recati in un negozio per animali ed abbiamo pensato che il commesso svolgesse il lavoro più bello del mondo? Sempre a contatto con gli animali e in maniera retribuita, esiste.

    Come aprire un negozio di ricambi auto online

    Internet: il commercio del futuro anche per i ricambi auto online Al giorno doggi linformazione e il commercio viaggiano soprattutto online e il settore dei ricambi auto non è da meno.

    Contributo Enasarco 2018: cosè e come pagarlo

    Contributo Enasarco: di cosa si tratta Enasarco è l’Ente Nazionale di Assistenza per gli Agenti e i Rappresentanti di Commercio, nato nel 1938 e divenuto fondazione nel 1996. Gli Agenti e i Rappresentanti di Commercio sono obbligati all’iscrizione all’Inps e all’Ensarco che rappresenta, di fatto, una.

    Temporary Car Insurance, month long car insurance.

    #Month #long #car #insurance

    Temporary car insurance

    By Kevin Pratt on Tuesday 10 November 2015

    Month long car insurance

    Compare temporary car insurance quotes now

    Temporary car insurance, also known as short term insurance, provides cover between one and 28 days. It can be useful if you need a policy to cover you over a few days, are moving home or need to borrow a friend’s car.

    Of course there is always the option to add a friend or a relative to your existing car insurance policy, should you need to do so – but this might not be the cheapest way to arrange the cover you need, and it could jeopardise your no-claims bonus if whoever borrows your car has an accident while driving it.

    In addition, if something happened to your vehicle while a friend or relative was using it and you needed to make an insurance claim, that would probably mean an increase in next year’s premium – whereas claiming on a separate, temporary insurance policy wouldn’t affect your personal car cover in such a way.

    Can I buy temporary car insurance if I’m under 25?

    Insurance providers are generally happy to provide cover to any driver over the age of 18 and under 75 – but when it comes to temporary car insurance, you may find that providers are unwilling to offer cover to anyone under the age of 21. Drivers aged between 21 and 25 generally can buy short term insurance.

    If you have points on your driving licence, previous motoring convictions or a history of making motor insurance claims, you may also find it difficult to buy temporary car insurance.

    Is there anything else I need to know?

    It’s important to be aware that buying occasional temporary car insurance is not a viable alternative to continuously insuring a vehicle you own.

    While you might think that you could insure a car you don’t drive very often as and when you decide to use it, this is now illegal.

    Under Continuous Insurance Enforcement (CIE) rules, it is an offence to keep a vehicle that is not either insured or registered with the DVLA as off the road, via a Statutory Off Road Notification (SORN).

    How can I get the best deal on temporary car insurance?

    As with any other kind of insurance, the key to getting the best deal is shopping around.

    Decide what cover you need, and for how long, then compare quotes from different providers before making a decision. MoneySuperMarket’s directory of short term car insurance providers is a good place to start your research.

    Did you find this helpful? Why not share this article?

    California s Low Cost Auto Insurance Program, lowest automobile insurance.

    #Lowest #automobile #insurance

    California’s Low Cost Auto Insurance Program

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

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

    About California’s Low Cost Automobile Insurance Program

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

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

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

    CLCA important links:

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

    Contact Us:

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

    Consumer Education and Outreach Bureau

    300 S. Spring Street, South Tower

    Los Angeles, CA 90013

    Toll free (877) 401-9550

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

    Get the Best Car Insurance Rate, auto insurance compare prices.

    #Auto #insurance #compare #prices

    Get the best car insurance rate

    Auto insurance compare prices

    When you compare the price of car insurance, it’s important to explore every option so that you’ll get the coverage you need at a price you can afford.

    Here are nine tips for getting the best car insurance deals.

    1. Shop around

    Get a quote from at least three reputable insurance companies so you can compare prices and coverage. Rates will vary from one company to another, and the lowest priced insurance may not give you all the coverage you need. Look at price, amount of coverage, benefits and claims services before you make your decision.

    2. Adjust your insurance policy

    If a company quotes their best car insurance price and it’s slightly outside your range, you may lower it by making small changes. A higher deductible on your vehicle, for example, may lower your rate. Keep in mind though, that if you were to file a claim, your out-of-pocket expenses could increase.

    While you’re tweaking your policy, also consider your coverage limits. You may be paying for more coverage than your state requires. Make sure you have the coverage you want, based on your needs.

    3. Discount your way to the best auto insurance price

    Car insurance discounts lower prices significantly. Remaining accident-free, having an anti-theft device on your vehicle or your teen driver’s good grades could also cut costs.

    You may also be eligible for an affinity discount if you’re a member of a fraternity, sorority, alumni association, credit union, sports group, or professional organization that has partnered with Nationwide.

    4. Combine insurance policies

    You may save on your auto insurance policy when you insure more than one vehicle. Or by combining your auto insurance policy with other insurance policies, such as homeowners insurance or life insurance you could save by bundling rather than having individual policies.

    5. Maintain a good credit rating

    Most insurers will figure in the strength of your credit rating when determining the price of your policy. A higher credit score could mean lower rates, so take care to maintain a good rating.

    6. Drive carefully

    It’s really that simple. If you have at least five years of driving experience and no accidents over the past five years, you may qualify for a safe-driver discount. And with Accident Forgiveness, we won’t raise your auto insurance rates following the first at-fault car accident.

    7. Consider car safety features and defensive driving class

    You could save money on your car insurance rate if your vehicle is equipped with an anti-theft device, full front-seat airbags or restraint devices that work automatically when your door closes. You may get a defensive driver discount, too, when you successfully complete a motor vehicle accident prevention course approved by your state’s Department of Motor Vehicles.

    8. Go paperless

    Did you know that Nationwide has several easy ways to automatically pay your insurance bill on a recurring basis? That means you’ll save on postage stamps, help eliminate piles of paperwork, be kind to the environment and avoid late fees. Some policyholders can even get discounts just for signing up for paperless documents.

    9. Ask for a regular review of your auto insurance policy

    Make sure your policy keeps pace with your life. And you get the discounts you deserve. We recommend you take advantage of a free On Your Side ® Review every year, or whenever you’ve had a change in your life.

    Ready to get an insurance quote?

    Start your search for the best auto insurance rates by getting an online car insurance quote from Nationwide.

    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.

    Clark Howard, Dave Ramsey, Suze Orman on whole life insurance, Policygenius, term life insurance clark howard.

    #Term #life #insurance #clark #howard

    What Clark Howard, Dave Ramsey and Suze Orman think about whole life insurance

    Term life insurance clark howard

    When it comes to buying life insurance, shoppers are often confused about what type to buy: term or whole?

    We’ve come down on the side of term life insurance repeatedly and for lots of good reasons. But maybe you’d prefer to know what some of the nation’s biggest personal finance experts think about whole life insurance instead? It turns out, they have quite a lot to say.

    Here’s what Dave Ramsey, Suze Orman, and Clark Howard think about whole life insurance.

    On buying a whole life insurance policy as an investment

    One of the most common arguments for whole life is that it’s not just a life insurance policy, it’s also an investment. It might be an investment, but we think it’s a pretty crummy one, and the experts agree.

    In Clark Howard’s Living Large for the Long Haul (2013), Howard lists some major drawbacks to “investing” in life insurance (p. 223):

    The embedded costs in [whole] life insurance policies can be massive because they’re padded with commissions for the salesperson. Plus, if you can’t pay the premiums on a [whole] life insurance policy, the policy lapses and you’re wiped out.”

    In his book The Total Money Makeover: A Proven Plan for Financial Fitness (2013), Dave Ramsey calls whole life “one of the worst financial products available” and looks at what happens to a hypothetical 30-year-old man with $100 to spend on life insurance (p. 55):

    [If he] purchases twenty-year level term insurance with coverage of $125,000, the cost will be only $7 per month. [. ] If he goes with the Cash Value option, the other $93 per month should be in savings, right? Well, not really. All of the $93 per month disappears in commissions and expenses for the first three years; after that, the return will average 2.6 percent per year for Whole Life.

    As for Suze Orman, in her book The Money Class: How to Stand in Your Truth and Create the Future You Deserve (2012), the top four items on her quick list of investments to avoid (p. 276) are:

    A variable annuity

    In summary, and to quote another line from Ramsey’s book: When it comes to investing, “[t]his product is a really bad idea!”

    On financial advisors who push whole life policies

    These personal finance experts save their harshest words for the salespeople who push whole life policies. Suze Orman, who is literally left speechless (for a half second) when a caller tells her he has whole life insurance policies for everyone in the family, including his kids, has this to say about financial advisors who push whole life on young families (jump to 4:39 for the good part):

    On buying whole life policies for your kids

    Clark Howard says to beware of pitches that say life insurance is the best way to pay for college (p. 223):

    The idea is to buy a policy on your kid and then they will have life insurance down the road in the event of their premature death. When they make it to college age, there’s this wonderful tax loophole that allows you to borrow from the policy’s cash value to pay for college.

    But as we quoted above, Howard goes on to point out that the hidden costs of whole life plus the risk that you might lose it one day makes it a terrible college savings product.

    In this video response to a caller, Howard states, “It is a much more effective way for you to pay for your kid’s college [by] putting money in a state-sponsored 529 plan, than it ever would be to buy life insurance for college.”

    Suze Orman is also against it for that reason and she, too, suggests a 529 plan. But she also introduces a more personal reason to avoid it: you’d never want the death benefit from your child’s life insurance policy anyway. It’s true, your child doesn’t need to die in order to get the cash value from her whole life policy eventually, but that’s sort of beside the point Orman is making.

    What to do if you already have a whole life policy

    Howard argues that if you’re trying to fix a leaky budget, your whole life policy may be the culprit. Ramsey advises callers who currently have whole life to “buy term and then drop the whole life.” And if that doesn’t get the point across, here’s Suze Orman’s advice to do the same thing: buy term life and then cancel, cancel, cancel.

    In Clark Howard’s Living Large in Lean Times (2011), Howard offers another tip for leveraging a whole life policy to get a term life policy instead (p. 161):

    If you are in a whole life policy… with a substandard company, you can borrow the cash value and use those proceeds to buy a term policy from a strong company.

    On shopping for term but being sold whole

    Even the experts make mistakes. Ramsey says that when he first bought life insurance years ago he got “ripped off” by whole life, so it’s no wonder he comes down so hard on it. Orman explains how salespeople will push whole life in her book Women Money: Owning the Power to Control Your Destiny (2010) (p. 244):

    A life insurance agent will try to sell you on the idea that you need to buy a super-expensive policy that will cover you throughout your entire life. The reality is that very few of you ever need a “forever” [permanent] life insurance policy. …They are unnecessary and way too expensive.

    Coincidentally, we have the internet’s most accurate quoting engine and comparison shopping tool for term life insurance right here. And since our agents are paid salaries instead of commissions, you can shop knowing we will never push whole life on you.

    Chris Walters writes for Policygenius, a digital insurance brokerage trying to make sense of insurance for consumers. He previously wrote for The Consumerist.

    Next Up In Insurancegenius

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    Car Insurance Quotes Maryland, Maryland Auto Insurance Quotes, md auto insurance.

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    Car Insurance Quotes Maryland

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    PANAMA- COSTA RICA, Agencia de viajes y turismo, costa rica viajes.

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    Agencia de viajes y turismo

    agencia de viajes y turismo



    Ingresar Inscríbase ahora!

    La nueva American está llegando

    Es posible que por ahora sus ciudades preferidas no formen parte de una oferta o que no haya ninguna Tarifa Especial. Haga clic en ‘Cambiar ciudades’ para editar las ciudades o añadir más a su lista, o visite la página de Tarifas especiales y busque otros destinos.

    Manténgase informado


    Datos personales

    viernes, 16 de mayo de 2014



    Guía turismo Panamá

    Guía en Panamá

    Guía Hoteles Panamá

    En Panamá puedes encontrar los mejores hoteles tanto en la ciudad capital como en el interior de la república de Panamá. Sitios paradisíacos para disfrutar de bellos paisajes, ríos, playas y montañas de los que no querrá salir. Escondites perfectos.

    Guia de playas en Panamá

    Panamá cuenta con hermosas playas donde encontraras un espacio para descansar con tu familia o amigos y también practicar deportes acuáticos como surf, jetski, pesca, buseo y otros.

    Guía turística de Panamá

    Guía en Panamá: es una página web de turismo que fue creada con el objetivo de brindar ayuda a nacionales y extranjeros que desean visitar los hermosos lugares turísticos con los que cuanta este bello país, le deseamos la mejor estadía en nuestro país.

    Turismo en Panamá

    Información sobre Panamá



    este planeta. Este pequeño país incluye todos los componentes

    necesarios para satisfacer el gusto de miles de viajeros que visitan

    cada año. Costa Rica se caracteriza por su belleza escénica

    impresionante, su sistema ya consolidado de áreas protegidas,

    la estabilidad social y política, alto nivel educativo y la infraestructura

    y servicios eficientes.Para más información, por favor visite

    el sitio web para el Instituto Costarricense de Turismo.

    Si usted está planeando un viaje a la Isla del Coco, por favor, póngase

    en contacto con el Área de Conservación Marina Isla del Coco

    (Tel / Fax: (506) 2258-7350).

    Según la Tabla de Turismo de Costa Rica, cerca de 200 procedimientos

    médicos son realizados todos los meses en los hospitales de nación

    para turistas médicos. Entre los procedimientos hechos son cirugía estética,

    ortopedia, operaciones de trasplante de cadera, eliminación de la catarata y

    otros tratamientos de ojos y el cuidado dental. La asistencia médica en

    Costa Rica es atractiva para pacientes internacionales por los precios bajos,

    los estándares altos del cuidado, y el acceso a sitios para turistas.

    Algunos centros importantes son la Clínica Bíblica, el Hospital CIMA

    y la Clínica Católica.

    Tortugas de Ostional

    Monitoreo y cosecha de huevos del Refugio Nacional de Vida Silvestre. Ver más


    Costa Rica goza de una cultura de la paz y la democracia. Ver más


    Costa Rica es uno de los destinos turísticos más importantes del mundo. Ver más


    Tasa de alfabetización de Costa Rica es del 96%. Ver más.

    Medio ambiente

    Costa Rica es líder en la protección del medio ambiente. Ver más

    Tortugas de Ostional

    Monitoreo y cosecha de huevos del Refugio Nacional de Vida Silvestre. Ver más


    Costa Rica goza de una cultura de la paz y la democracia. Ver más

    Porque Elegir Costa

    Surf en Costa Rica

    Parque Nacional Volc

    Parque Nacional Manuel Antonio

    Parque Internacional La Amista

    Ecoturismo en Costa Rica

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    Ven a disfrutar con tu familia una gran Semana en Margarita con las mejores atracciones y fabulosas actividades que tenemos programadas para su disfrute.

    – Recibimiento en el aeropuerto

    – Alojamiento con desayuno en hotel 5 estrellas

    – Paseo con entradas incluidas

    recibimiento y alojamiento en el hotel check in 15pm, primer paseo centro comercial el sambil salida a las 5 pm en donde encontraremos gran variedad de tiendas de marcas reconocidas y variedad de restaurantes el recorrido será de dos a tres horas según su preferencia.

    parque el agua el ” Único Parque Acuático “. Con 45.000 metros de áreas recreativas, atracciones para adultos y niños, seguridad y la comodidad para toda la familia, pasarán un día FANTASTICO! Diseñadas para el disfrute de toda la familia, encontraras atracciones EXTREMAS para los más valientes y atracciones RELAJANTES para el que busca la tranquilidad de un día especial

    Salida a las 7.30 am Disfrute de un full day a la isla de Coche a bordo de un mini crucero con bar abierto de bebidas nacionales, snacks, delicioso almuerzo tipo buffet en Coche , toldos y sillas en la playa, animación garantizada y traslados hotel-muelle-hotel incluido.

    Parque musipan un Complejo Turístico de Parques Temáticos basado en las descripciones y personajes creados por Benjamín Rausseo “El Conde Del Guácharo” durante sus casi 20 Años de vida artística. Este Reino, ubicado a sólo 10 minutos del aeropuerto, vía playa El Yaqué, sector Punta Carnero, Isla de Margarita, cuenta con 220 metros de playa, hamacódromo, 2 toboganes de agua directos al mar, 5 piscinas de agua salada con 5 toboganes de agua, 4 restaurantes, pizzería, dominódromo, heladería, pueblo para niños, granja de contacto, cine, teatro, prensa, radio y TV y una cancha profesional para Cochino Encebado, deporte oficial del Reino.

    Playa paraíso una playa ubicada en las afueras de la ciudad en esta disfrutaremos de unos paisajes y una belleza sin igual además que sus hijos podrán disfrutar de esta hermosa playa ya que es tranquila y serena en este dia nuestra compañía le ofrece los refrigerio y almuerzos y bebidas.

    Nado con los delfines en la mañana Definitivamente los Delfines son criaturas extremadamente amigables e inteligentes y su relación con los seres humanos es cada vez mas profunda. Atrévase a visitar Waterland y nade con ellos, vera como esta experiencia le dejará un agradable recuerdo toda la vida. Demostraciones previas. Contacto y ejercicios con delfines. Grupos de 5 personas. Certificado de participación.

    Villa Carlos Paz, Venta, Alquiler Anual y Alquiler Temporario de Propiedades, Negocios y Desarrollos Inmobiliarios, Ventas Carlos Paz, alquiler temporario.

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    Alquiler temporario ©2018 VentasCarlosPaz [email protected] – Derechos Reservados | Villa Carlos Paz · Valle de Punilla · Cуrdoba · Argentina

    Compare Cheap Car Insurance Quotes at GoCompare, car insurance qoutes.

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    [1] Correct as of 18th October, 2017

    [2] Research commissioned by carried out with 2,000 UK adults in February, 2017 by Bilindi

    † Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

  • Learn Medical Billing Online, medical billing course.

    #Medical #billing #course

    Learn Medical Billing Online/Training Course for Certification

    Exactly what will you learn as an Andrews medical billing student? Your training will include a variety of skills such as medical terminology, healthcare rules and regulations relating to medical billing, coding, and reimbursement. Our medical billing program will give you the knowledge and skills you need for professional billing credentials or certification. The course instructor is available to get you started, answer your questions, and guide you toward medical billing career options. All medical billing books and materials are included.

    There may be as many different job descriptions as there are Medical Billers out there, but there is a core set of skills that is universal. These are the skills you need to be able to quickly and easily adapt to any Medical Billing job you end up in. Did you know that in many medical offices claims are filed incorrectly, denied for payment by the insurance companies, and never followed up or re-filed at all? Medical billers and reimbursement specialists must be able to process and track the many different types of insurance claims. They must also be able to explain benefits and fees to patients, while complying with relevant laws and regulations.

    Medical billing course

    Our students learn medical terminology, the differences between each type of insurance provider and how to bill them, the rules and regulations that billers and medical offices have to follow, and more. They practice with EHR software and CMS-1500 claims forms. Students don’t need prior office experience or medical knowledge to take our course, but those who have it are able to move faster through their assignments. If you have previous work experience as a medical administrative assistant, medical secretary, or medical transcriptionist, you will already be a step ahead in your medical billing career.

    All books and materials for the medical billing class are included.

    Our practical approach is designed to teach the information graduates need for a variety of billing or reimbursement positions while eliminating time-wasting “fluff” or filler topics that add little or nothing to on-the-job success.

    Call us at 405-721-3555 now for more information about medical billing. If you prefer, write [email protected] with your questions about getting started toward your career in medical billing.

    If you would rather talk directly to the medical billing instructor about the best way to reach your medical billing career goals, you may call her at 405-721-3560.

    When you write or call, let us know how you heard about us. We’d like to know if you were referred by a medical billing employer, one of our successful graduates, or an online search.

    Telefonía para ascensores, soluciones cuando no se puede poner telefonía fija, Elementos Comunes, poner reclamacion en consumo.

    #Poner #reclamacion #en #consumo

    Elementos Comunes

    Teléfono obligatorio en el ascensor

    Poner reclamacion en consumo

    Poner reclamacion en consumoRecientemente he tenido que constituir una Comunidad de Propietarios formada por 5 bloques con un ascensor cada uno. Desde hace ya varios años es obligatorio para poner en marcha un ascensor, que éste cuente con una comunicación bidireccional con la empresa mantenedora. Esto se realiza mediante conexiones telefónicas.

    Lo normal hasta ahora era contratar líneas con algún operador de telefonía fija. No obstante es muy común que las compañías tradicionales de telefonía, no extiendan su red de cable hacia las nuevas zonas debido a la falta de demanda, con la existencia de teléfonos móviles, ya que la mayoría de gente que compra una vivienda de nueva construcción, posponen esta decisión, normalmente hasta el momento en que necesitan el servicio de internet a través del ADSL o Cable.

    Por otro lado tengo comunidades de varios bloques que tienen contratado una línea de telefonía fija por cada ascensor y están pagando actualmente un mínimo de 20 Euros al mes. Hablando con otros compañeros Administradores de Fincas, me hicieron algunos comentarios sobre su experiencia y facilitaron información sobre algunos proveedores de soluciones de telefonía móvil para las líneas de teléfono en los ascensores.

    Poner reclamacion en consumoConcretamente Orange, que es la empresa con la que al final hemos contratado este servicio, tiene actualmente una oferta que tiene una cuota inicial de 100 Euros más IVA por línea. Luego el coste mensual fijo es de 3 Euros/mes más IVA por cada línea, más el coste de las llamadas que puedan hacer. Estoy satisfecho como Administrador de Fincas con este servicio, porque de otra forma hubiéramos tenido que esperar varios meses hasta que Telefónica o el operador de cable correspondiente quisiera dar servicio a esta Comunidad, cuando hubiera demanda suficiente, y las empresas mantenedoras de ascensores no admiten, bajo ningún concepto, poner en marcha un ascensor, si no existe esta línea y está en funcionamiento.

    Además de ser una solución muy buena para este problema, el precio es muy muy competitivo respecto al de la telefonía fija, y aunque llevamos ya muchos años con la telefonía móvil en el mercado, hasta ahora no se estaba contemplado esta solución para las Comunidades de Propietarios.

    Para quien necesite pedir presupuesto para una instalación parecida os puedo dejar el nombre de la persona de contacto, GABRIEL MATARRESE 691675445.

    Como enlaces interesantes sobre este asunto dejo los siguientes:

    Finalmente indicar que estuve hablando con una persona responsable de Teleascensor que nos ofrecía la posibilidad de contratar una o dos líneas de telefonía FIJA y realizar la instalación de una centralita telefónica para dar servicio de comunicación bidireccional a varios ascensores. Sólo la centralita de la marca Panasonic tenía un coste de 1800 Euros. A parte la mano de obra de instalación de las líneas, configuración de la centralita etc. No nos pareció suficientemente atractiva, en el supuesto de que pudiéramos disponer de servicio de telefonía fija en el edificio, que como ya he comentado al principio, no es posible.

    About Fran-Sevilla

    Soy Administrador de Fincas Colegiado en Sevilla desde 1986. Mientras estaba trabajando en el negocio familiar seguí estudiando y me licencié en Derecho por la Universidad de Sevilla. No obstante desde los 15 años, en que me regalaron un Sinclair ZX Spectrum, que todavía conservo, la informática y la tecnología me cautivaron. Actualmente sigo ejerciendo como Administrador de Fincas, pero estoy muy interesado en el uso de toda nueva herramienta tecnológica que pueda ayudarme a prestar un MEJOR SERVICIO a mis clientes y tener una VENTAJA productiva en el desarrollo de mi trabajo.

    Massachusetts law about auto insurance, massachusetts car insurance rates.

    #Massachusetts #car #insurance #rates

    Massachusetts law about auto insurance

    Automobile Insurance, Mass. Office of Consumer Affairs

    Includes Buying Auto Insurance, Mandatory Coverages, Discounts, Surcharge Appeals, Insurance Cancellation Appeals, RMV appeals, and more.

    Massachusetts laws

    MGL c.90, s.34A-34R Compulsory Motor Vehicle Liability Insurance

    MGL c.175, s.4E Prohibits use of credit information in issuing or renewing auto insurance

    MGL c.175, s.113A-113U Compulsory Motor Vehicle Liability Insurance

    Massachusetts regulations

    211 CMR 74 Standards of fault to be used by the Board of Appeal on Motor Vehicle Liability Policies and Bonds and insurers in presuming fault when making at fault determinations

    Lists motor vehicle accident “situations in which fault is presumed to be more than 50%.”

    211 CMR 79 Private passenger motor vehicle insurance rates

    Managed competition insurance rate regulations cover policies with renewal dates beginning April 1, 2008

    211 CMR 88 Procedures for the appeal of Safe Driver Insurance Plan (SDIP) motor vehicle accident surcharges and for conduct of SDIP motor vehicle accident surcharge hearings

    211 CMR 134 Safe driver insurance plan

    Lists minor and major traffic accidents and offenses which subject the violator to “points” on their auto insurance

    211 CMR 135 Requirements regarding referrals to motor vehicle glass repair shops

    Web sources

    • Auto and Vehicle Insurance, Mass. Attorney General

    Includes New Auto Insurance System, Shopping for Auto Insurance, Discounts Under the New System, and more.

  • Guide to Navigating the Auto Claims Maze: Getting the Settlement You Deserve, Consumer Federation of America

    Includes “How to get your vehicle fixed at a repair shop of your choosing, not one chosen by your insurance company; how to contact insurance regulators if your insurance company doesn’t resolve your claim to your satisfaction, and how to protect your personal information.”

  • How Do I Appeal an At-Fault Accident?

    Surcharge Appeal information from the Mass. DOT and Mass. Registry of Motor Vehicles

  • Auto Insurance Premium Comparisons, Mass. Division of Insurance

    Shows sample rates for certain scenarios and towns

  • SDIP and Your Auto Insurance Policy, Mass. Dept. of Transportation. “The Safe Driver Insurance Plan (SDIP) may be applied to specific policies to adjust insurance premiums based on the operator’s driving record.”
  • Ways to Save on Your Automobile Insurance, Mass. Office of Consumer Affairs. Explains in simple English the choices available for coverage, including collision, comprehensive, and more.

  • Home: Tower Group Companies, insurance companies in nyc.

    #Insurance #companies #in #nyc

    insurance companies in nyc


    NOTICE IS HEREBY GIVEN that on July 28, 2016, the Superior Court of the City and County of San Francisco entered an Order Appointing Conservator, in the case entitled Insurance Commissioner of the State of California v. Castlepoint National Insurance Company, Case No. CPF-16-515183 ( Conservation Order ). Pursuant to the Conservation Order, the California Insurance Commissioner has been appointed as the statutory Conservator of Castlepoint National Insurance Company ( Castlepoint ). The Conservation Order authorizes and empowers the Commissioner, through his Conservation Liquidation Office, to conserve Castlepoint and its assets for the benefit of Castlepoint s claimants, creditors and shareholder, as provided in Sections 1010 through 1062 of the Insurance Code of the State of California. The Conservation will not cause any disruption or delay in the delivery of workers compensation benefits to injured workers covered under Castlepoint policies. Claimants should continue to work with their current claims administrators. If there is a change in claims administration, you will be notified by the Conservator or one of his contracted parties. All other claims are being evaluated by the Conservator and will continue to be paid where deemed appropriate. Castlepoint consists of the following companies that were merged prior to Conservation:

    Castlepoint National Insurance Company

    Tower Insurance Company of New York

    Tower National Insurance Company

    Hermitage Insurance Company

    Castlepoint Florida Insurance Company

    North East Insurance Company

    Massachusetts Homeland Insurance Company

    Preserver Insurance Company

    York Insurance Company of Maine

    Castlepoint Insurance Company

    The Commissioner has also filed a proposed Motion for Order Approving Conservation and Liquidation Plan for CastlePoint National Insurance Company. As part of the Conservation and Liquidation Plan, CastlePoint, CP Re and ACP Re have agreed to commute a stop loss reinsurance agreement for a cash payment of $200 million to CastlePoint. In addition, two Administrative Services Agreements will be entered for the continuity of claims servicing and payment processing. The Superior Court has set a hearing on the Commissioner s motion to approve the proposed Conservation and Liquidation Plan for September 13, 2016, at 9:30 a.m., in Department 302, at 400 McAllister Street, San Francisco, California, 94102. A copy of the Conservation Order and theProposed Motion and other documents in support of the Conservation and Liquidation Plan can be found on the Conservation Liquidation Office website at: . A set of questions and answers concerning the conservation of CastlePoint can befound on the same website. Additional information about CastlePoint can be found on the Company s website at: or contact CastlePoint at 877-813-8531.

    NOTICE IS FURTHER GIVEN that any and all policyholders, claimants, creditors, shareholders, or other persons having any interest in CastlePoint and wishing to submit any written support for, opposition to or comment on the Commissioner s Conservation and Liquidation Plan motion must file all such papers in support or opposition in the Superior Court and serve on the Commissioner no later than August 23, 2016. Any person or entity interested in the estate or the business assets, or property of CastlePoint and supporting or opposing or otherwise commenting upon the Plan, Conservation Agreement, or Conservation Transaction Agreements, may appear at the September 13 hearing irrespective of whether they have filed papers.

    This notice is given and published pursuant to the provisions of Sections 1010 through 1062 of the California Insurance Code for the purpose of conservation and ALL PERSONS ARE HEREBY WARNED THAT FAILURE TO APPEAR AT THE SEPTEMBER 13 HEARING TO PRESENT ANY COMMENT, SUPPORT, OR OPPOSITION TO THE PLAN SHALL RESULT IN IT BEING DEEMED WAIVED AND IT MAY NOT BE CONSIDERED BY THE COURT.

    Contratar seguros de hogar, seguros de hogar comparativa.

    #Seguros #de #hogar #comparativa

    Contratar seguros hogar- Segurconect

    Le ayudamos a elegir las mejores ofertas de seguros.

    Hemos seleccionado los mejores productos en seguros de hogar, seguros de comunidades, de embarcaciones, seguros de comercio y salud para ofrecerselos en condiciones especiales.

  • Asegure su hogar desde 90 euros. En compañías de primer nivel

    Hemos seleccionado los mejores productos y se los ofrecemos a precios exclusivos. Solicítenos un estudio completo y nosotros hacemos el trabajo de comparar garantías y recomendarle lo que más se ajuste a su vivienda al menor coste posible.

  • La mayor protección desde 250 euros en Seguros de comunidades. EN SEGUROS DE COMUNIDADES

    Negociamos con compañías especializadas productos Exclusivos y flexibles. Solicite un estudio completo y le Recomendaremos el que mejor se adapte a sus necesidades.

  • Navegue con la mayor seguridad desde 47 euros. Contrate online y pague sólo por lo que su embarcación necesita.

    Hemos seleccionado los mejores productos ofreciéndolos a precios exclusivos. Solicite un estudio completo y nosotros compararemos garantías para recomendarle el que mejor se ajuste a lo que necesita.

  • Estudiamos su caso de forma individualizada. No deje su salud en manos de un comparador informático.

    Porque sabemos que lo más importante es su salud, solo en compañías de primer nivel, con cuadros médicos amplios y pólizas que garantizan un servicio de calidad. Asesoramiento personalizado con precios de Internet.

  • La máxima protección para su negocio. Con la posibilidad de adaptar el producto a sus necesidades.

    Para cualquier tipo de comercio, los mejores productos del mercado a precios asequibles. Solicítenos un estudio y nuestros especialistas compararán las garantías para recomendarle las que mejos se ajusten a sus necesidades al menor coste posible.

  • Ahorro garantizado. No deje la seguridad de su familia en manos de un comparador informático.

    Estudiamos su caso de forma individualizada.Porque sabemos que lo más importante es su familia, le ofrecemos un seguro de vida realizando un comparativo completo de garantías y precios. Trabajamos con compañías de primer nivel.


    Solicitar comparativa seguros de Hogar

    Solicitar comparativa seguros de Hogar

    En Segurconect ponemos a su disposición una gama de productos de hogar seleccionados para ofrecer en cada caso el nivel de protección que usted necesite: desde pólizas básicas, dirigidas a viviendas de alquiler o apartamentos de uso esporádico y vacacional, hasta pólizas con cláusula de todo riesgo accidental.

    Para ello hemos acordado condiciones especiales con algunas de las compañías con mejores productos del mercado y que ofrecemos en exclusiva a través de nuestra web para que pueda contratar seguros de hogar de máximas prestaciones. Ahorre hasta el 30% sobre los precios habituales contratando online.

    Contamos con todas las garantías necesarias y la atención personalizada de su asesor, que estudiará las características de su vivienda para ofrecerle un comparativo completo de garantías y precios y recomendarle lo que mejor se adapte a sus necesidades. De esta manera, contratar al mejor precio no significará arriesgarse a tener sorpresas desagradables cuando sea necesario usar del seguro.

    Nuestra correduría le ofrece:

    • Pólizas básicas para obtener el precio más bajo, orientadas a viviendas de alquiler o segundas residencias.
    • Pólizas multirriesgo de garantías amplias pero a un precio muy asequible.
    • Pólizas de alta gama, con posibilidad de contratar cláusulas de Todo Riesgo Accidental, orientadas a viviendas habituales con capitales altos.
    • Pólizas especiales para chalets, con garantías como el consumo excesivo de agua o las filtraciones.

    Además, podrá contratar seguros para pisos y seguros para chalets, siempre con el asesoramiento personal de un especialista que le atenderá en cualquier momento, evitándole las molestas esperas de centralitas telefónicas o el coste de los 902:

    • Aconsejándole en la contratación.
    • Gestionando cualquier trámite administrativo (cambios de cuenta bancaria, modificación de alguna garantía o circunstancias del riesgo asegurado, etcétera).
    • Mediando ante la compañía durante la tramitación de un siniestro, en cualquier momento del mismo.

    Encuentre en Segurconect los seguros de hogar más económicos del sector. Además, disponemos de los servicios de seguros online para hogar y seguros online para vivienda que mejor se ajustan a su presupuesto y exigencias. Es tiempo de asegurar su casa en una empresa seria, eficaz y responsable con la que pueda contratar seguros para viviendas a precios competitivos y con plenas garantías para que siempre se sienta tranquilo.

    • Nuestro blog
    • Preguntas frecuentes

  • Foodtruck mexico, Remolca tu empresa, camionetas para venta de comida, camiГіn venta de comida rГЎpida, food truck, cocina versГЎtil, tienda de comida mГіvil, armado de cocinas mГіviles, diseГ±o de cocinas mГіviles, equipo de cocina industrial y comercial, negocio sobre ruedas, negocio en movimiento, comida rГЎpida, fast food, vannettes para comida, equipo para food service, cocinas industriales, estufas industriales, negocios de comida rapida.

    #Negocios #de #comida #rapida

    negocios de comida rapida

    “El precio de un Food Truck es muy variable, todo depende el equipo que requiera para su proyecto así como acabados, el rango mínimo de inversión es de $320,000 MN (incluye la unidad).”


    “El servicio de adaptación básica que nosotros ofrecemos incluye instalaciones eléctricas, de agua, de gas, refuerzo de paredes y piso, aislante térmico, paredes y techo acero inoxidable o glass liner que son materiales de grado alimenticio, piso antiderrapante de aluminio, apertura de dos ventanas para atención a clientes con pistones hidráulicos y manija con llave (todo es material de importación y primera calidad), comensal, luminarias interiores y exteriores, mampara dividiendo el área de cocina con el piloto.”


    Nuestras unidades cuentan con un sistema elГ©ctrico a 110 volts. o segГєn lo requiera el voltaje, con cables e insumos segГєn las normas NOM para la construcciГіn de este tipo de unidades, sin embargo para que el camiГіn sea autosuficiente es necesario conectarlo a una planta generadora de luz.

    Nosotros somos Dealer autorizado de generadores especiales para unidades mГіviles, con garantГ­a de los mismos en 91 paГ­ses, el cual lo puedes trabajar hasta por 24 horas, se alimenta de gasolina o diesel segГєn su unidad y va conectado directamente al tanque de gasolina de la unidad para su funcionamiento.


    “Regularmente nosotros tenemos camiones disponibles para adaptar, o si usted cuenta con su unidad de la misma manera se la adaptamos, según sus necesidades.”


    “Por lo general se convierten en Food Trucks los camiones tipo Vanette de bimbo, que vienen en dos tamaños: el chico que mide 2.10m x 5.10m aprox. el grande 2.10m x 6.30m aprox.”


    “Somos la primera empresa a nivel nacional que cuenta con la fabricación de su food truck a partir del chasis araña y el costo de solo la unidad preparada para subir su equipo de cocina, el precio oscila sobre los $ 750,000.00.”


    “El espacio aprovechable para cocina dentro de un Vanette chico es de 2.05m x 2.50m aproximadamente y del Vanette grande 2.05m x 3.68m aproximadamente.”


    “Después de recibir el anticipo de fabricación y la aprobación por escrito del diseño de Layout nuestro tiempo de entrega son 60 días hábiles laborables.”


    “Aceptamos pagos en efectivo, cheque, transferencia.”


    “Si, enviamos a todo México y en exportación ponemos su unidad en el puerto requerido para embarque.”


    “No, cada servicio esta cotizado independientemente, de manera que podemos ajustarnos a tus necesidades y lo que puedas adquirir.”

    Compare Income Protection Insurance, Quotes – Info, Lifebroker, income protection insurance brokers.

    #Income #protection #insurance #brokers

    Secure your way of life with income protection

    Help maintain an income when you can’t work, so you can focus on your recovery.

    Income protection insurance brokers Compare income protection

    Benefits of Income Protection

    • Receive recurring monthly payments
    • Maintain your lifestyle even when you can’t work
    • Cover expenses and debt repayments
    • Claim when you’re unable to work due to sickness or injury

    Do I need Income Protection?

    1) Lifestyle

    Could you maintain your lifestyle if you were unable to work for an extended period because of an illness or injury?

    2) Sick leave

    Do you have an unlimited amount of sick leave available?

    3) Your debt

    Are you mortgage or debt free?

    4) Any financial dependents?

    Do you have financial dependents?

    5) Financial security

    If you have no income when off work with an injury or illness, would you be able to manage without any financial stress?

    Looks like you have financial security outside of your income. If you’ve already got Income Protection, you can quickly compare current cover.

    You may want to consider Income Protection for financial peace of mind.

    Income protection insurance brokers

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    Income protection insurance brokers

    Compare income protection from leading life insurers in one place.

    Income protection insurance brokers

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    Australians know a good thing when they see it. We ve helped 530,867 and counting.

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    Learn more about Income Protection

    What is income protection?

    If you are unable to work for an extended period of time due to illness or injury, your income protection policy can provide a regular monthly benefit of up to 75 percent of your income for the length of time determined when you took out your policy.

    Income protection can be particularly important for people who are the sole income earners, regardless of whether you have any dependents. However, if you do have people relying on your income, it reduces the financial stress that arises for them and yourself if you become ill or injured and unable to work.

    Having this financial protection in place can ensure you and your loved ones can maintain the lifestyle you have worked hard to achieve, even if you are unable to work.

    Use our comparison tool to help you find the right income protection product for your needs, or give our Lifebroker insurance consultants a call on 13 54 33.

    Why do I need income protection?

    If you are unable to work for an extended period of time due to illness or injury, income protection can provide you with a financial lifeline during a difficult time. It gives you the peace of mind that you will have help keeping up with repayments that you have as well as cover everyday expenses.

    Most income protection policies provide up to 75 percent of your income if you need to claim, which helps ensure that you and your loved ones’ lifestyle is maintained and protected if you become ill or injured.

    Having an income protection policy in place allows you to focus on your recovery and recuperation and not on your bills.

    Compare income protection policies now using our insurance comparison tool, or call one of our specialist insurance consultants on 13 54 33 we’re here to help.

    How much cover is available?

    Most income protection insurers will pay out up to 75 percent of your income either until a time at which you are able to work again or until the end of your policy’s agreed benefit period, whichever is first.

    When you take out income protection you will have a variety of options, including how long you will receive the benefit for and how long the waiting period is before your policy will start paying monthly benefits.

    It is important to consider how much cover you need and how long you can go without cover (the waiting period). How many sick days do you have? Do you have savings to cover your income for 1, 3 or 6 months?

    Also, it’s important to consider whether an agreed or indemnity policy is suited to your needs. An agreed policy means your income is confirmed at the time of application and the benefit amount is agreed upfront. An indemnity style policy means that you will have to confirm your income when making a claim. If your income has decreased since you applied for cover, your benefit will be paid at the reduced amount, to align with your current income.

    The right amount of cover for you will depend on your current income as well as your financial requirements. If you still have questions about how much cover you might need, we’re ready to take your call on 13 54 33.

    How can I decide which cover type or product is right for me?

    We have developed an easy-to-use tool to help you compare income protection products from leading life insurers in Australia. Use our comparison tool to compare the benefits, features and price to make a confident decision for your personal circumstances.

    The right product for you will be based on a variety of factors and it should be a personal choice. If you need any help with specific features of a policy, just call one of our insurance consultants on 13 54 33, and they can talk you through the options available with Lifebroker.

    Banco Santander Río S, creditos prendarios.

    #Creditos #prendarios

    Creditos prendarios

    Creditos prendarios

    Creditos prendarios

    Nunca te solicitaremos que completes todos los datos de tu Tarjeta de Coordenadas.

    Nuevo software gratuito y obligatorio de seguridad para transferencias. Con Trusteer protegé tus datos y claves.

    Tarjeta Santander Río, ahorrás más todos los días

    Creditos prendarios

    Cuotas sin interés

    Creditos prendarios

    Hasta 15% de ahorro y cuotas sin interés

    Todos los días – Sin tope de reintegro

    ¿Qué estás necesitando?

    Navegá por nuestra variedad de productos

    y encontrá lo que estás buscando

    Creditos prendarios


    Una cuenta en pesos y dólares, más una Tarjeta Santander Río débito.

    Creditos prendarios

    Súper Plazo Fijo

    Diferentes opciones para elegir que se ajustan a tus necesidades

    Creditos prendarios

    Tarjeta Santander Río Visa

    La tarjeta que te da más beneficios en tus compras.

    Creditos prendarios

    Tarjeta Santander Río Visa

    La tarjeta que te da más beneficios en tus compras.

    Creditos prendarios

    Tarjeta Santander Río American Express

    La tarjeta que te da más beneficios en tus compras.

    Creditos prendarios

    Tarjeta Monedero

    Con tu Monedero Tag salí sin efectivo.

    Creditos prendarios


    Una cuenta en pesos y dólares, más una Tarjeta Santander Río débito.

    Creditos prendarios


    Más servicio, más créditos y más ahorros en tus compras.

    Creditos prendarios

    Infinity Gold

    Un mundo Gold con más beneficios diseñados para vos.

    Creditos prendarios

    Súper Préstamo Personal

    Pedilo online en hasta 72 cuotas a tasa fija y en pesos.

    Creditos prendarios

    Súper Préstamo Prendario

    Financiá la compra de tu auto a tasa fija y en pesos.

    Creditos prendarios

    Seguro de Vida y Salud

    Un seguro económico con Pago Mensual.

    Seguro de Vida y Salud

    Creditos prendarios

    Seguro de Vivienda

    La más completa cobertura que tu casa necesita.

    Creditos prendarios


    Son fáciles de operar a través de Online Banking.

    Creditos prendarios

    Súper Plazo Fijo

    Diferentes opciones para elegir que se ajustan a tus necesidades

    Creditos prendarios

    Creditos prendarios

    Creditos prendarios

    Creditos prendarios

    Creditos prendarios

    Santander Río® 2018

    Todos los derechos reservados.

    Cajeros con funcionalidad para no videntes

    Detalle de comisiones que percibe Banco Santander Río S.A.

    • Comisión por servicio de cuenta: $142,60 IVA incluido (SuperCuenta)
    • Comisión por Uso de Cajero Propio: Sin Cargo.
    • Comisión por Uso de Cajero No Propio: $27,52 IVA incluido.
    • Comisión por Uso de Cajero Red Link: $32,72 IVA incluido.
    • Comisión por mantenimiento mensual de Cuenta de Tarjeta de Crédito: $84,14 IVA incluido.
    • Comisión por renovación anual tarjeta titular de crédito nacional: $995,83 IVA incluido.

    Ley 27.266 – Modelos de contrato

    Plazo Fijo – Tasas

    Plazo de 45 días, 14,90 % TNA

    Plazo de 60 días, 14,90 % TNA

    Plazo de 90 días, 14,80 % TNA

    Plazo de 180 días, 14,50 % TNA

    Plazo de 365 días, 14,00  % TNA

    Plazo de 90 días. 0,05% TNA

    Plazo de 180 días. 0,05% TNA

    Plazo de 365 días. 0,05 % TNA

    Los depósitos en pesos y en moneda extranjera cuentan con la garantía de hasta $ 450.000.- En las operaciones a nombre de dos o más personas, la garantía se prorrateará entre sus titulares. En ningún caso, el total de la garantía por persona y por depósito, podrá exceder de $ 450.000.-, cualquiera sea el número de cuentas y/o depósitos. Ley 24.485, Decreto 540/95 y Com.”A” 2337 y sus modificatorias y complementarias. Se encuentran excluídos los captados a tasas superiores a la de la referencia, los que hayan contado con incentivos o retribuciones especiales diferentes de la tasa de interés, los adquiridos por endoso y los efectuados por personas vinculadas a la entidad financiera.

    Atención al Usuario de Servicios Financieros

    Información al Consumidor Acuerdo PADEC

    Consulte términos y condiciones del Sorteo “Un viaje de Película” desde aquí.

    Banco Santander Río S.A. es una sociedad anónima según la ley argentina. Ningún accionista mayoritario de capital extranjero responde por las operaciones del banco, en exceso de su integración accionaria (Ley 25.738) CUIT: 30-50000845-4. Domicilio de Banco Santander Río S.A. Bartolomé Mitre 480, Ciudad Autónoma de Buenos Aires. Agente de Liquidación y Compensación y Agente de Negociación Integral N° 72 inscripto ante la Comisión Nacional de Valores. El titular de los datos personales tiene la facultad de ejercer el derecho de acceso a los mismos en forma gratuita a intervalos no inferiores a seis meses, salvo que se acredite un interés legítimo al efecto conforme lo establecido en el artículo 14, inciso 3 de la Ley Nº 25.326. La DIRECCION NACIONAL DE PROTECCION DE DATOS PERSONALES, Órgano de Control de la Ley Nº 25.326, tiene la atribución de atender las denuncias y reclamos que se interpongan con relación al incumplimiento de las normas sobre protección de datos personales.

    ARTICULO 10 ter de la Ley 24.240: Modos de Rescisión. Cuando la contratación de un servicio, incluidos los servicios públicos domiciliarios, haya sido realizada en forma telefónica, electrónica o similar, podrá ser rescindida a elección del consumidor o usuario mediante el mismo medio utilizado en la contratación.

    La empresa receptora del pedido de rescisión del servicio deberá enviar sin cargo al domicilio del consumidor o usuario una constancia fehaciente dentro de las SETENTA Y DOS (72) horas posteriores a la recepción del pedido de rescisión. Esta disposición debe ser publicada en la factura o documento equivalente que la empresa enviare regularmente al domicilio del consumidor o usuario.

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    Asociación Española de Abogados Especializados en Responsabilidad Civil y Seguro – Otro sitio realizado con WordPress, asociacion de abogados.

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    Declara que existe una contradicción entre lo dispuesto en el citado Artículo 3 de la Directiva 2009/103 y nuestro derecho español, por cuanto en virtud de esta última se permite excluir de la cobertura del seguro obligatorio los daños producidos con ocasión de la circulación de vehículos automóviles por vías y terrenos que no son “aptos para la circulación”, salvo aquellos que sin tener tal aptitud, sean no obstante de uso común. En este sentido la Sentencia considera que esta oposición a la Directiva Comunitaria conlleva considerar que la normativa nacional al limitar la cobertura del seguro obligatorio en función de las características de la naturaleza del terreno donde se utiliza el automóvil, está limitando en tales casos el alcance y la protección a las víctimas que como objetivo principal tiene este seguro obligatorio.

    El TJUE sienta el siguiente criterio: «El artículo 3, apartado 1, de la Directiva 72/166/CEE del Consejo, de 24 de abril de 1972, relativa a la aproximación de las legislaciones de los Estados miembros sobre el seguro de la responsabilidad civil que resulta de la circulación de vehículos automóviles, así como sobre el control de la obligación de asegurar esta responsabilidad, debe interpretarse en el sentido de que no está comprendida en el concepto de «circulación de vehículos», a que se refiere dicha disposición, una situación en la que un tractor agrícola que ha intervenido en un accidente tiene por función principal, en el momento de producirse éste, no su uso como medio de transporte, sino la generación, como maquinaria de trabajo, de la fuerza motriz necesaria para accionar la bomba de una pulverizadora de herbicida».

    Aplicación del nuevo Baremo de la Ley 35/2015 en lesiones menores. Condena a la aseguradora a abonar la cantidad de 3.905,59 euros como indemnización por lesiones temporales (28 días de Perjuicio Personal Básico y 28 días de Perjuicio Personal Particular) y la secuela de algias postraumáticas cronificadas y permanentes y/o síndrome cervical asociado y/o agravación de artrosis previa (valorada en dos puntos), más interés moratorios y costas. La sala analiza el valor que debe darse a los informes de biomecánica, la estimación del perjuicio de calidad de vida temporal (por actividades deportivas) y la aplicación del artículo 135 de la LRCSCVM en relación a la secuela por traumatismo cervical menor.


    Javier López y García de la Serrana

    Abogado. Doctor en Derecho

    Secretario General de la Asociación Española de Abogados Especializados en Responsabilidad Civil y Seguro

    José Manuel Villar Calabuig

    Alberto Javier Tapia Hermida

    Catedrático de Derecho Mercantil

    Ana María Sampedro Parra

    Tramitadora senior de siniestros responsabilidad

    civil de AIG EUROPE LIMITED sucursal en España

    Jetski Versicherung Vergleich, versicherung anhänger.

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    JetSki Versicherungen

    Erweitern Sie Ihre wichtigsten Versicherungen um spezielle Einschl sse gegen h ufige Gefahren Ihres maritimen Hobbys.:

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    F r folgende Risiken: Haftpflicht, Teilkasko, Vollkasko, Unfall, Trailer Versicherung sowie einer Speziellen Wassersport Rechtsschutzversicherung.

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    • Jetski Haftpflichtversicherung – Wer vors tzlich oder fahrl ssig das Leben, den K rper, die Gesundheit, die Freiheit, das Eigentum oder ein sonstiges Recht eines anderen widerrechtlich verletzt, ist dem anderen zum Ersatze des daraus entstehenden Schadens verpflichtet.
    • Jetski Kaskoversicherung – wird gegen die Sch den am eigenen Jetski abgeschlossen. Im Falle der Besch digung, Zerst rung oder des Verlustes kommt die Jet Ski Kasko Versicherung auf. Unterschieden wird nicht zwischen einer Teilkasko- oder Vollkaskoversicherung. Gerade f r neue und hochw rtige Jetskis empfehlen wir eine Jetski Haftpflicht mit Kasko-Versicherungsschutz.
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    Unsere Leistungen gehen weit ber das Selbstvert ndliche hinaus. Sie verf gen ber ein Leistungspaket, das Sie individuell zusammenstellen k nnen, um Ihnen damit Ihr Leben rund um Ihren Jetboot Sport zu vereinfachen.

    Der genaue Umfang und die Voraussetzungen ergeben sich aus den Allgemeinen Bedingungen f r Wassermotorr der in der bei Vertragsbeginn aktuell g ltigen Fassung.

    Fasi ristrutturazione bagno: 6 passaggi da seguire, componenti arredo bagno.

    #Componenti #arredo #bagno

    Fasi ristrutturazione bagno: 6 passaggi da seguire!

    Nelle prossime righe ti racconterò i 6 passaggi che compongo la ristrutturazione del bagno.

    Questo post è molto pratico: anche se non hai esperienza al temine della lettura saprai cosa ti aspetta quando devi rifare il bagno di casa.

    Tutte le fasi saranno documentate con foto riguardanti un intervento reale, eseguito su un appartamento anni 60.

    Sarà come stare in cantiere.

    Fasi ristrutturazione bagno: step by step prima-dopo&

    Rappresenta il bagno protagonista dellarticolo prima dellinizio dei lavori.

    bagno da ristrutturare

    Nulla di speciale, vero?

    Puoi riconoscere alcuni elementi che caratterizzavano i bagni di quegli anni:

    ◼︎ rivestimenti sino ad altezza solaio;

    ◼︎ colori e decorazioni poco felici (allepoca erano di moda!);

    ◼︎ presenza della vasca (oggi meno utilizzata);

    Passiamo alla ristrutturazione.

    Fase #1: Demolizione del bagno

    Arrivata in cantiere limpresa chiude le chiavi di arresto dellacqua e sigilla bagno e stanze adiacenti (così non si riempiranno di polvere).

    In seguito passa allo smantellamento vero e proprio.

    Sono rimossi sanitari e arredi, poi inizia la demolizione di pavimento, rivestimenti e massetto di sottofondo.

    Il massetto viene demolito solo quando vuoi sostituire le tubazioni dellimpianto idraulico (quindi nel 99% dei casi).

    Se il massetto non è toccato non possiamo parlare di una ristrutturazione completa.

    Tieni a mente ciò che hai appena letto.

    Ci sono persone convinte di aver rifatto il bagno solo perché hanno sostituito i sanitari.

    Di questa prima fase si occupa il muratore, che provvede anche a segnare le tracce (dove verranno posizionate le nuove tubazioni, gli attacchi per il lavabo, lo scarico della vasca/doccia…) con la supervisione dellidraulico.

    A demolizione ultimata il locale avrà questo aspetto:

    bagno demolito

    Questa è la parte più rumorosa di tutto lintervento.

    La demolizione viene eseguita con un martello demolitore e produce parecchi calcinacci.

    I calcinacci e i residui della demolizione verranno poi trasportati in una discarica autorizzata.

    Soprattutto se abiti in un condominio, è importante che limpresa rispetti tutti i parametri indicati nella sezione Inquinamento acustico & del tuo comune.

    Fase #2: Posizionamento impianto idraulico ed elettrico

    Dopo il muratore è il turno di idraulico ed elettricista.

    La loro missione è quella di posizionare gli impianti seguendo le tracce segnate.

    Entrambi hanno un compito importante.

    In particolare è l’idraulico a dover prestare maggiore attenzione durante la posa delle tubazioni.

    Un suo errore potrebbe portare, a ristrutturazione ultimata, alla comparsa di perdite dacqua sotto al pavimento.

    Se la cosa dovesse succedere, il pavimento andrebbe smantellato nuovamente.

    In una ristrutturazione possono esserci cambiamenti anche nella posizione dei sanitari.

    Ecco quindi che le nuove tracce indicheranno la via& da seguire per realizzare il bagno che desideri.

    Alla fine della seconda fase il locale si presenterà così:

    impianti bagno: posizionamento

    Fase #3: Getto e livellamento massetto

    Nella terza fase ricompare il muratore, che provvede al getto e al livellamento del massetto.

    Il massetto non è nientaltro che uno strato di calcestruzzo (a spessore variabile) che ha lo scopo di contenere gli impianti e livellare il pavimento.

    Lobiettivo finale è quello di ottenere un pavimento perfettamente in bolla&.

    Sempre in questa fase il muratore provvede a chiudere le tracce a parete (come quelle della foto qui sotto).

    Non cè nulla di complicato in questa operazione.

    Tuttavia occhio a chi ti rivolgi quando devi ristrutturare il bagno.

    Ci sono impresari/artigiani che non vedono lora di passare ad un altro lavoro.

    Di conseguenza non curano i particolari.

    Al termine delle operazioni il locale si presenterà così:

    Bagno: getto massetto

    Per quanto riguarda limpianto elettrico sono visibili solo le scatoline in plastica che in seguito conterranno i frutti elettrici.

    Fase #4: Posa pavimenti e rivestimenti

    Il bagno prende forma!

    La posa avviene quando il massetto è completamente asciutto e calpestabile.

    Sui pavimenti non cè molto da dire: copriranno tutta la superficie del locale (escluso lo spazio occupato dalla doccia, se presente).

    E i rivestimenti?

    In passato molti bagni erano rivestiti sino al solaio.

    Oggi le mode sono cambiate.

    La maggior parte dei locali vengono rivestiti sino ad altezza della porta [2,10

    2,20 mt] oppure fino a 1,20

    Qualcun altro preferisce pareti quasi completamente libere, così ricopre solo alcuni punti strategici.

    Un esempio sono i rivestimenti che coprono esclusivamente la zona doccia e la zona lavabo.

    Ad occuparsi della posa è sempre il muratore o il posatore specializzato.

    ◼︎ una posa a regola darte, con pavimenti e rivestimenti perfettamente a livello;

    ◼︎ lutilizzo di una colla di ottima qualità (non un prodotto scadente);

    ◼︎ il passaggio della colla in modo uniforme su tutta la superficie della mattonella;

    ◼︎ che nessuno tocchi il pavimento prima che sia calpestabile;

    Detto questo, ecco come si presenterà il tuo bagno al termine della quarta fase:

    Bagno: posa pavimenti e rivestimenti

    Fase #5: Montaggio sanitari e rubinetterie

    Ormai la ristrutturazione è quasi conclusa.

    Il questo caso il protagonista è lidraulico.

    Il suo compito è montare sanitari, rubinetterie (con tutti i componenti) box doccia (ovviamente quando il bagno prevede una doccia).

    Se ci sono state modifiche allimpianto elettrico sarà presente anche lelettricista, per gli ultimi controlli.

    Fase #6: Collaudo finale

    A questo punto il minimo è un collaudo degli impianti quando sei presente.

    In questo modo potrai vedere se tutto funziona alla perfezione.

    ◼︎ pressione acqua adeguata;

    ◼︎ nessuna perdita (esempio dai rubinetti);

    ◼︎ sanitari e piastrelle non scheggiate/rovinati;

    Ricordati che la pulizia del locale è sempre compito dellimpresa.

    Dovrebbe essere scontato, ma da ciò che ho visto è così.

    E per quanto riguarda i tempi?

    La ristrutturazione del bagno dura in genere 7 giorni lavorativi (è una media).

    Dipende anche dalla grandezza del locale, dalla facilità di accesso e dallorganizzazione dellimpresa.

    Ed ora il bagno appena ristrutturato:

    Fasi ristrutturazione bagno: le conclusioni

    Che ne dici del lavoro che ti ho presentato nellarticolo?

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