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Billionaire Warren Buffett: This Is How To Fix Income Inequality? * Video

Billionaire Warren Buffett: This Is How To Fix Income Inequality, NEF6.COM


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Billionaire Warren Buffett: This Is How To Fix Income Inequality


Billionaire Warren Buffett: This Is How To Fix Income Inequality, NEF6.COM


Billionaire Warren Buffett: This Is How To Fix Income Inequality

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2016 Form 1040EZ? * Video

2016 Form 1040EZ, NEF6.COM


#2016 #Form #1040EZ

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2016 Form 1040EZ


2016 Form 1040EZ, NEF2.COM


2016 Form 1040EZ

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ArtIcle: https://t.me/credit000

Welcome – Instant Banking by Citadel, citadel credit card.

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Welcome - Instant Banking by Citadel, citadel credit card., NEF2.COM

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Instant Banking enables you to make payments using the same online banking technology used by millions to pay household bills.

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Since launching in 2000, Instant Banking has continued to grow and innovate, now supporting the largest bank network of any provider in the payments industry.

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Our customers have relied on Instant Banking for more than a decade to manage their payments online.

Available

Instant Banking provides payment services to the largest, most recognized merchants in the world and is available on thousands of sites.

Convenient

Payments can be made wherever and whenever you like with our desktop, tablet and mobile-friendly experience.

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Our bank-level security standards and sophisticated risk management technology ensure that consumers are protected when making payments online.

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Instant Banking enables you to make payments using the same online banking technology used by millions to pay household bills.

Innovative

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Becoming a Hospital CEO

#healthcare #administration #colleges


Becoming a Hospital CEO, REMMONT.COM

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Do you dream of becoming a hospital CEO? By understanding this career path and reading the blogs of some prominent hospital CEOs, you ll have a much better grasp of what you need to get there.

Hospital CEO Salaries
Salary figures vary wildly depending on experience, location, and employer. Here are some links to various resources concerning CEO salaries.

Hospital CEOs
Hospital CEOs generally come from a medical background and almost always hold a Masters of Hospital or Healthcare Administration. Prior to becoming CEOs, they must have about 8-10 years of experience in administrative, management and healthcare positions. The hospital CEO is the highest ranking official in the hospital organization, and he or she also has the toughest job.

What do Hospital CEOs Do?
Hospital CEOs are responsible for overseeing day to day operations, serving as moral leaders who articulate the hospital s mission and vision to the public community, and being the leaders in developing strategic vision and policies for the hospital. The CEO usually works alongside a team consisting of the CNO (Chief Nursing Officer), CMO (Chief Medical Officer), COO (Chief Operating Officer) and the CFO (Chief Financial Officer )- this is the hospital s executive management team.

How do Hospital CEOs get to where they are?
In studying this list of 20 New Hospital CEOs to Know . it seems that most of the CEOs have a couple things in common:

  • They served as COOs of hospitals before. COO, the Chief Operating Officer, delegates day to day operations and reports to the CEO, who is usually too busy to review production quotas and operations daily.
  • They held a Masters in Healthcare Administration, Business Administration or Nursing from an accredited university.
  • They held previous positions in strategic management, business and executive leadership. (Meaning medical expertise isn t all CEOs need to have!)
  • They had about 15 or more years of experience in healthcare before they became the CEOs of major hospitals. (Patience is a must.)

Where can you learn more about Hospital CEOs?
There s no better place to learn about hospital CEOs than from their own blogs. Here s a list of 5 great hospital CEO blogs you can follow for insight into the lives of hospital CEOs.

  • Running a Hospital Blog Paul Levy, President and CEO of Beth Israel Deaconess Medical Center in Boston, shares thoughts on hospitals and healthcare issues.
  • Wake Med Voices Dr. Bill Atkinson, president and CEO WakeMed Health Hospitals, shares his unique perspective on healthcare.
  • Roper on Health William L. Roper, CEO of the University of North Carlolina Health Care System. covers everything from health policy, global health, medical education, healthcare quality to health reform.
  • SJMC World Scott Kashman, CEO of the St. Joseph Medical Center, shares insider news about his hospital and his community.
  • More Than Medicine Tom Quinn, President and CEO of Community General Hospital. shares his weekly thoughts on healthcare, medicine and more.

The great thing about the blogging community is that bloggers want to converse and build relationships. Use this valuable opportunity to comment on a blog post by a CEO, ask some questions, introduce yourself and become familiar with the industry.

Related Articles:


True North, true north financial.

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True North, true north financial., NEF2.COM

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TRUE NORTH WEALTH STRATEGIES

*Chart Your Course *Stay the Course *Build a Legacy

My great grandfather was a ship builder from St. Ives, England, and the love of the sea has always been in my blood. The metaphor of the sea is very appropriate as today’s market climate continues to be “stormy” and volatile.

After 20 years of investment banking experience serving as Vice President of Investments with three of the top 5 largest financial institutions in the US, in addition to being personally mentored in market timing, trends and sectors, by the esteemed economist of his time, Dr. James McKeever (The McKeever Strategy Letter), because many financial institutions have limited investment options, I have made the decision to form an alliance with LPL Financial, the largest independent broker dealer in the nation,* and

I am excited to announce that I have started my own investment firm,

True North Wealth Strategies

By doing so, I will be able to offer many more investment choices and products from highly rated companies in the nation and throughout the world. Also, I will be able to work with teams of seasoned professionals in their field in offering better service to my clients and give them the personal attention that they deserve and require, especially in this tumultuous market environment.

In addition, I am partnering with my wife, Kathleen, as my Operations Manager, who is a highly experienced consultant with the Certified Senior Advisor (CSA) credential. She was a former Long Term Care District Manager with Capital Assurance Company (a GE subsidiary) — representing all of Southern Oregon– and more recently an insurance counselor with AAA.

*As reported by Financial Planning magazine, June 1996-2015, based on total revenue.


Cleaning Processes, Hospital Environmental Services, SMS Healthcare, cleaning services nashville tn.

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Cleaning Processes, Hospital Environmental Services, SMS Healthcare, cleaning services nashville tn., REMMONT.COM

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Cleaning

Our cleaning processes are the core of what we do. From critical areas to unique surfaces, our rigorous cleaning practices are aligned with the exact needs of your hospital.

10-Step Occupied Room Cleaning Process

We utilize a 10-step process that includes scripting for occupied room cleaning. By training all EVS employees in this process, it guarantees consistency and accountability throughout your hospital.

Employees track the process using a Duty Checklist each time they clean a room. Their work is monitored selectively by managers on rounds using our automated tracking program, OPS360.

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10-Step Discharge Cleaning Process

Our 10-step discharge cleaning process is standardized to create consistency across your hospital, reducing HAIs and throughput times.

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Microfiber Cloths

We use microfiber for cleaning. Because of its unique properties, microfiber is significantly more effective than cotton at capturing bacteria, thus reducing the risk of spreading HAIs.

Color-Coded Microfiber Cloths

We use a two-color system for microfiber cloths one color for the patient’s room, the other for only restroom use. This two-color system provides a great opportunity for scripting, where the housekeeper can explain the system to the patient.

Contact Times

We train EVS employees on adequate contact times for disinfectants. EPA-registered disinfectants specify on the label the required contact time for properly disinfecting a surface. If disinfectants are wiped up before the required contact time has passed, complete disinfection may not have occurred, and cross contamination is possible.

Saturation Method

Spray bottle cleaning systems may not provide the level of saturation needed to reach the contact times required for proper disinfection. As hand fatigue sets in with spray bottle systems, undersaturation is likely to occur. Using a bucket system is more likely to completely disinfect surfaces.

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Moving Company in NYC - Serving Manhattan, Queens & Brooklyn, NEF6.COM

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5 Must Have E-File Bits, REMMONT.COM


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5 Must Have E-File Bits, REMMONT.COM


5 Must Have E-File Bits

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Citi Prestige is Back!! New Applications Jan 2019, 5x Bonus Categories!! + Video

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Calcola la rata del prestito

Il software è stato studiato per effettuare una simulazione del piano di ammortamento (basato sulla formula dell’ammortamento alla francese) e per calcolare la rata del prestito.

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Le finanziarie e le banche che propongono prestiti online spesso pubblicizzano strumenti gratuiti per poter effettuare il calcolo del prestito. Un mezzo che può essere utile per tante finalità tra cui:

comprendere se la rata, considerata la situazione personale, può essere effettivamente sostenibile;

valutare in maniera più approfondita se la soluzione individuata è la migliore e la più conveniente;

scegliere il miglior rapporto tra la durata e l’importo della rata .

Tutti questi obiettivi possono essere raggiunti ugualmente utilizzando un calcolatore indipendente, che ha in realtà tre vantaggi in più e cioè:

possibilità di poter fare differenti simulazioni, con tassi di interesse sganciati dalla banca che li applica;

l’accesso alla creazione di un piano di ammortamento personalizzato;

valutazione di un finanziamento già in corso per ipotizzare una possibile sostituzione con un prestito che sembra più conveniente.

Vediamo perché questi aspetti costituiscono realmente un valore aggiunto ed un vantaggio.

Perché è utile sfruttare un ‘calcolo prestito’ indipendente?

Per capire in maniera più approfondita le differenze mettiamo prima a confronto il tool del calcolo prestito indipendente con quello delle varie banche e finanziarie. Quando si usa il software delle banche non si possono fare delle valutazioni oggettive sulla convenienza, ma si viene “guidati” verso il risultato finale, un limite che vale tanto per quello messo a disposizione dal gruppo Bnl, quanto quello di Compass, Agos, ecc.

Non a caso si tratta di programmi che non permettono di modificare i parametri utilizzati, primo fra tutti quello dei tassi applicati. Questo limite può causare anche degli errori di valutazione nel caso di tassi promozionali, o comunque variati, poiché non sempre la modifica avviene in modo contestuale.

Se invece si usano i tool generici, i parametri vengono inseriti liberamente, quindi senza dover fare altre ricerche si può avere un’idea chiara se un prestito ad esempio con Agos conviene più di quello di Findomestic. In più si possono usare anche per fare considerazioni sulla convenienza quando ci si riferisce a prodotti che non sono disponibili online.

Comparatori online vs calcola rata prestito: cosa scegliere?

Ora andiamo a vedere le differenze e i limiti che si hanno con i comparatori online. Questi strumenti sono pensati per creare una lista di prodotti, che corrispondono a determinate caratteristiche, con una prevalutazione abbastanza veloce.

Tuttavia i comparatori online non sono mai indipendenti e possono prendere in considerazione solo i prodotti che sono inseriti nei suoi database. Non si può fare quindi una vera comparazione del prestito più conveniente di quel momento, perché sicuramente non ci saranno indicazioni dei prestiti Inpdap o di prodotti di finanziarie o banche non valutate e magari notevolmente meno onerose.

Per queste ragioni non sono utilizzabili anche per un altro scopo importante: la valutazione sulla convenienza di prodotti che si hanno già ed anche la possibile decisione se sia arrivato il momento di chiudere prima quel finanziamento.

Per entrambi questi scopi risulta molto utile, se non addirittura indispensabile poter visionare un piano di ammortamento. La possibilità di poterlo calcolare rappresenta una grande discriminante nella scelta di un buon tool destinato al calcolo di un prestito. Infatti se si ha davanti un prestito da richiedere, si potrà constatare qual è la durata più conveniente (guardando la quota interessi come viene distribuita nei diversi numeri di rate scelto).

Se invece si ha un prestito in corso e si deve valutare se abbassarne il peso effettuando una estinzione parziale oppure se estinguerlo completamente, con questo semplice strumento si avrà davanti una situazione chiara del reale risparmio che si potrà ottenere.

Istruzioni d’uso Inserite nel campo prestito l’importo del prestito, nel campo tasso il tasso annuale (TAN) , nel campo durata la durata del finanziamento. L’uso di questo programma calcolatore è gratutito , consigliamo di esportare il piano di ammortamento in formato excel .xls per una successiva analisi.




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What’s the fine print?

Anyone who wants to be a licensed insurance producer for the MAIF is required to obtain a Maryland auto insurance provider bond. These bonds are continuous until canceled, and the surety must give the state 30 days’ notice prior to cancellation.

How to become an automobile insurance fund producer in Maryland

In order for the Automobile Insurance Fund to consider an application, the following materials must be furnished by the applicant:

  • Agency name and legal trade name, if applicable
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Progressive: Ranked One Of The Best Insurance Companies, all american auto insurance.

#All #american #auto #insurance


Get insurance for almost anything you need

The #1 Insurance Site

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

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

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

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

Discount varies and is not available in all states or situations

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

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

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

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

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

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


All inclusive Urlaub Pauschalreisen g – nstig buchen – Pauschalreisen, Lastminute gьnstig buchen, türkei reisen all inclusive.

#Türkei #reisen #all #inclusive


all inclusive Urlaub Pauschalreisen g nstig buchen

All inclusive Urlaub ist mit die begehrteste und am h ufigsten gebuchte Verpflegung bei Pauschalreisen. Urlaub oder Reisen mit all-inclusive bedeutet, dass im Regefall im Hotel Leistungen wie Fr hst ck, Mittagessen und Abendessen genauso enhalten sind, wie unbegrenzt Getr nke und Snacks zwischendurch. Alles inklusive ist zumeist f r Pauschalreisende interessanter, da der Preisunterschied zu Verpflegung Halbpension sehr gering ist. Ferien, also Sommerferien, Herbstferien, Osterferien oder Weihnachtsferien, mit all inclusive ist gerade f r Familien reizvoll, da man schon vor dem Urlaub genau wei , was die Verpflegung insgesamt kosten wird. Gerade Kinder nutzen all inclusive T rkei im Urlaub gerne aus vollen Z gen, wenn es darum geht, mal schnell das Eis zwischendurch zu genie en und nicht immer die Eltern nach Geld bitten zu m ssen. Familienurlaub mit allinclusive schont die Urlaubskasse.

Bei all inklusive werden zwei Arten unterschieden: all inclusive und ultra all inclusive.

Ultra-all-inclusive bedeutet, dass neben den Standard all inclusive Leistungen auch noch die gef llte Minibar enhalten ist und lokale und einige importierte Getr nke rund um die Uhr inklusive sind. Bei Hotels mit la carte Restaurant ist auch mindestens ein dortiger Besuch kostenlos. Detailierte Erkl rungen finden Sie in den jeweiligen Hotelbeschreibungen.

Besonders beliebt ist all inclusive T rkei. Dort besonders die Regionen an der T rkischen Reviera mit Side, Alanya, Belek, und Lara. Aber auch die T rkische g is h lt eine gro e Auswahl an Hotels mit all inclusive Angeboten bereit.

Aber auch andere Reiseziele sind begehrt: all inclusive in Tunesien, alles inklusive in Spanien, hier besonders Mallorca und Ibiza, aber auch die Kanarischen Inseln mit Gran Canaria, Fuerteventura oder Teneriffa. Wer Fernreisen liebt, braucht auch nicht auf die Vollverpflegung zu verzichten: Die Karibik mit Kuba und Domenikanische Republik (kurz DomRep genannt) h lt genauso allinclusive-Angebote bereit wie auch Reiseziele in Asien wie zum Beispiel Thailand.

Auch f r Kegelclubs und andere Partyurlauber ist all inclusive in der T rkei oder in anderen Reisezielen rund um das Mittelmeer mittlerweile nicht mehr wegzudenken. F r Kegeltouren wird allerdings Mallorca mit dem Ballermann in Arenal bevorzugt, da hier die gro en Partymeilen zu Hause sind. Es geht dann nach der Devise, erst im Hotel kostenlos trinken und Essen und anschlie end in die Disco. Sie finden in unseren Angeboten jede Menge 4 oder 5 Sterne Hotels, Clubanlagen und Apartements, die all inclusive Verpflegung anbieten. Und das zu jeder Jahreszeit, ob Sommer, Winter, Herbst oder F hling. Ob Familienurlaub oder Single-Reisen: Bei uns findet jeder eine preiswerte all inclusive Reise.


Seguros la occidental

#Seguros #la #occidental


Seguros la occidental

ВїCГіmo tramitar una carta aval?

  • Debe solicitarse al menos tres dГ­as antes de la intervenciГіn y se deben presentar los siguientes recaudos en original:
  • Informe mГ©dico que indique: Nombre y apellido del paciente, nГєmero de CГ©dula de Identidad, edad, diagnГіstico, tiempo de evoluciГіn de la enfermedad, procedimiento mГ©dico a practicar y el presupuesto de la clГ­nica donde va a ser intervenido.
  • Deben ser anexados los resultados de los exГЎmenes que le hayan practicado, tales como: RX, Laboratorio, Biopsias, Ecosonogramas y otros, con su respectivo original y copia.
  • En caso de un accidente presentar carta narrativa de los hechos.

ВїQuГ© hacer en caso de emergencias?

  • El Asegurado se dirige a la clГ­nica de su preferencia y se identifica con su CГ©dula de Identidad. El centro mГ©dico verifica y certifica la cobertura que posee. Si procede, autoriza el ingreso y se mantiene en contacto con la clГ­nica para finiquitar la liquidaciГіn, indicando la cobertura correspondiente al caso. El paciente egresa de la clГ­nica cancelando la diferencia (si existiera) no cubierta por la pГіliza.
  • El Asegurado tambiГ©n cuenta con la opciГіn de atenciГіn contra reembolso, bajo costos razonables.

En caso de Reembolso, los recaudos son los siguientes:

  • Informe mГ©dico amplio y detallado.
  • DeclaraciГіn del siniestro.
  • En caso de accidentes y/o traumatismos presentar una carta narrativa de los hechos.
  • Facturas de farmacias originales numeradas y acompaГ±adas del rГ©cipe mГ©dico respectivo.
  • PresentaciГіn de radiografГ­as y prediagnГіstico en caso de accidentes bucales.
  • Las facturas por gastos deben ser desglosadas, firmadas y selladas por la instituciГіn que las emite y deben especificar la forma de pago.
  • Si el siniestro ocurre en el exterior, las facturas deben ser conformadas en el consulado de Venezuela de ese paГ­s.
  • Si el siniestro es presentado inicialmente en otra compaГ±Г­a de seguros se deben presentar originales y finiquito de la misma.

ВїQuГ© hacer ante un siniestro de AutomГіviles?

  • Permanezca en el lugar del accidente y notifique a las autoridades de trГЎnsito mГЎs cercanas para el levantamiento del accidente. (Revise muy bien todo lo que firme).

  • No mueva su vehГ­culo, ni permita que sea movido ninguno de los que intervengan en el accidente.

  • Lleve consigo la CГ©dula de Identidad, Licencia de Conducir, Carnet de CirculaciГіn y Certificado MГ©dico vigentes.
  • DeberГЎ, en la medida de lo posible, tomar nota de la descripciГіn de los vehГ­culos involucrados.

  • Si hay lesionados tome sus datos y llame a la medicatura mГЎs cercana, no asuma gasto alguno salvo los propios y de sus acompaГ±antes, ya esto le corresponderГЎ a la aseguradora si fuese procedente
  • EstГ© atento a que las autoridades competentes efectГєen las experticias y avalГєo de los daГ±os sufridos por su vehГ­culo con toda prontitud y fidelidad a los hechos incurridos

  • Notifique a Seguros La Occidental a travГ©s de Serviauto La Occidental (0500-Occidental Гі 0500-6224336), asГ­ como tambiГ©n a su productor de seguros, a la mayor brevedad posible. De esta manera recibirГЎ la orientaciГіn oportuna en el trГЎmite de su reclamaciГіn de siniestro.
  • Si su vehГ­culo estГЎ amparado por una pГіliza de Casco no ordene la reparaciГіn de los daГ±os, la compaГ±Г­a harГЎ un avalГєo de los mismos y serГЎ facultada para ordenar la reparaciГіn.
  • En caso de daГ±os a terceros no asuma ninguna responsabilidad o compromiso sin la asesorГ­a de un representante legal.
  • Notifique inmediatamente al CICPC durante las 24 horas siguientes al suceso y asГ­ su vehГ­culo quedarГЎ notificado a nivel nacional.
  • Verifique que en la denuncia ante el CICPC se consignen los datos exactos del vehГ­culo y del accidente.
  • Notifique a Seguros La Occidental a travГ©s de Serviauto La Occidental (0500-Occidental Гі 0500-6224336), asГ­ como a su productor de seguros, a la mayor brevedad.
  • Si no intervienen las autoridades competentes, deberГЎ hacer una denuncia ante la unidad de trГЎnsito de la jurisdicciГіn mГЎs cercana en un lapso no mayor a 24 horas (Revise muy bien todo lo que firme).
  • Recuerde que tiene cinco (5) dГ­as hГЎbiles para declarar el siniestro ante la compaГ±Г­a de seguros. (No acumule daГ±os).

  • En cualquiera de los casos comunГ­quese con su productor de seguros, quien le brindarГЎ un mejor asesoramiento y se ocuparГЎ de su caso inmediatamente.
  • ClГЎusula 13: De pago de Indemnizaciones: Seguros La Occidental tendrГЎ la obligaciГіn de indemnizar el monto de la pГ©rdida, destrucciГіn o daГ±o cubierto dentro de un plazo que no podrГЎ exceder de 30 dГ­as continuos, contados a partir de la fecha en que Seguros La Occidental haya recibido el Гєltimo recaudo o del informe de ajuste de cuenta si fuera el caso.

Condiciones Particulares del Condicionado:

Al ocurrir cualquier siniestro el asegurado deberГЎ:

  • Dar aviso a Seguros La Occidental dentro de los 5 dГ­as hГЎbiles siguientes, contados a partir de la fecha en que tuvo conocimiento de la ocurrencia del siniestro.

  • Proporcionar a la compaГ±Г­a, dentro de los 15 dГ­as hГЎbiles siguientes a la fecha del aviso del siniestro, los recaudos pertinentes que aquella razonablemente pueda exigir.

  • Proporcionar a Seguros La Occidental toda clase de informaciГіn sobre las circunstancias y consecuencias del siniestro.

  • Tomar las previsiones necesarias y oportunas para evitar que sobrevengan pГ©rdidas ulteriores.

  • Llevar el vehГ­culo a la inspecciГіn de daГ±os en un plazo mГЎximo de 5 dГ­as hГЎbiles contados a partir de la fecha en que tuvo conocimiento de la ocurrencia del siniestro, e iniciar la reparaciГіn de los daГ±os en un plazo mГЎximo de 30 dГ­as, contados a partir de la fecha de emisiГіn de la orden de emisiГіn correspondiente, si fuera el caso.
  • Para cualquier informaciГіn adicional llame a su Productor de Seguros, comunГ­quese con nosotros en la Sucursal mГЎs cercana a usted o ContГЎctenos a travГ©s de nuestros NГєmeros de AtenciГіn

    Inscrita en la Superintendencia de la Actividad Aseguradora Bajo el NГєmero 51.


    Compare Cheap Life Insurance Quotes, MoneySuperMarket, term life insurance quote comparison.

    #Term #life #insurance #quote #comparison


    Life Insurance

    Offer ends 4th Feb

    Choose from these retailers once you’ve made your 3rd payment:

    Term life insurance quote comparison Term life insurance quote comparisonTerm life insurance quote comparison

    Compare cheap life insurance quotes

    We compare the leading life insurance policies with prices starting from just £5 per month

    We’re here to help you get the protection you need

    What is life insurance?

    Life insurance is a type of insurance contract which pays out a lump sum to your dependants should you pass away during the term of the contract. The cost of a policy is determined by a number of factors including your age, health and lifestyle.

    Why should I take out life insurance?

    Life insurance is a vital part of financial planning for anyone who has dependants.

    By ‘dependants’, we mean anyone whose circumstances and material wellbeing would be affected by your death – for example, your partner, your children or anyone else who is financially reliant on you.

    Thinking about your death and its inevitable impact on your family’s circumstances is difficult – and many people simply shy away from the topic. But not doing anything could put loved ones at financial risk. That’s why it’s important to confront the issue and take out life insurance.

    How does life insurance work?

    In most cases, the most effective form of life insurance is called ‘term’ insurance.

    This type of policy pays out an agreed amount – the ‘sum insured’ – either as a lump sum or as a regular income, if you die within a specified period – known as the ‘term’.

    You choose the size of the pay-out and the length of the term. For example, you may decide to have cover in place until your children are grown up and have left home.

    These decisions aren’t always straightforward, which is why we’re here to help. Our dedicated page on how to work out the amount of life insurance cover you need will help you arrive at a sum insured that reflects your family situation.

    What’s the average cost of life insurance and what affects the price?

    Life insurance policies can start from just £5 a month.

    However, the cost will vary depending on factors such as your age, health, occupation, whether you smoke, length of the term and whether you choose add-ons such as critical illness cover.

    MoneySuperMarket found that smokers on average pay £18 more a month for life insurance compared to non-smokers*. And adding critical illness cover, which pays out on the diagnosis of one of a list of serious medical conditions, typically increases your payments by almost £28 per month**.

    An alternative to straightforward term insurance, where the amount of cover stays the same for a set number of years, is what’s known as ‘decreasing’ term insurance, where the amount of cover reduces over the years (usually in line with a mortgage). This means decreasing term insurance costs less, all other things being equal.

    Term life insurance quote comparison

    Term life insurance quote comparison

    Why it pays to buy life insurance when you are younger

    As a rule of thumb, the earlier you take out life insurance, the cheaper your policy will be.

    If you’re in your 20s life insurance is unlikely to be a priority. But MoneySuperMarket research shows that taking out a policy in your 20s can be as much as two times cheaper than taking out cover in your 40s***.

    The reason for this is simple – insurers consider you less likely to make a claim the younger you are.

    The chart below shows the average monthly premium for life insurance depending on the age of the policyholder. But keep in mind each insurer will differ in how much emphasis they give to factors such as your occupation, medical history and lifestyle, so your personal quote is likely to be different.

    Whether you’re buying your first home, getting married or thinking about having children, taking out life insurance as a young adult can be a cost-effective way to plan for your financial future.

    Are there life insurance policies which come with a gift?

    You can compare a wide range of life insurance policies on our comparison tables. And if you take out life cover through MoneySuperMarket, you will receive a £125 voucher from Argos, M S or Next.

    Your voucher of choice is redeemable within 40 days of your third life insurance payment. T Cs apply. You can find out more here.

    Get a £125 voucher when you take out Life Cover through MoneySuperMarket

    Choose from a range of retailers once you’ve made your 3rd payment

    Term life insurance quote comparison


    How much will life insurance cost me? Ultimate Guide to Retirement, life insurance premium rates.

    #Life #insurance #premium #rates


    How much will life insurance cost me?

    That depends on your age, your health and the size of the death benefit you want. No surprise that the younger and healthier you are, the lower your premium will be.

    Just as a ballpark, a healthy 35-year-old man who buys a 20-year level term policy, which has a fixed annual premium, might pay $430 a year to secure a $500,000 death benefit. A healthy 50-year-old man who buys the same policy might pay $1,300 a year. If he waits until he’s 65, the policy will cost about $7,300 a year.

    Premiums for cash-value policies are much higher. For example, the healthy 35-year-old man who pays $430 a year for a $500,000 term policy would pay about $4,400 a year for a $500,000 universal life policy – in part because a portion of that $4,400 is going into the investment component of the policy. That’s a huge difference.

    Life insurance premium rates

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    Life insurance premium rates Life insurance premium rates


    Insurance and Employee Benefits, MetLife, no exam term life insurance.

    #No #exam #term #life #insurance


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    Navigating life together

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    Flexible solutions for real life

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    Coverage you can count on for your vehicle

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    Benefits that work for how you work

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    We study the trends to make your business more attractive to the people who make it successful.

    No exam term life insurance

    Insurance

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

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

    PDP Plus

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

    Dental HMO/Managed Care

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

    Federal Dental (FEDVIP)

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

    Don’t know your vision plan?

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


    PrГ©stamo Seguro Calidad Mundial, prestamo infonavit.

    #Prestamo #infonavit


    #TePrestamosUnaLana

    ВїNecesitas dinero rГЎpido? Nosotros te ofrecemos el prГ©stamo que tu necesitas con el interГ©s mГЎs bajo y la valuaciГіn mГЎs justa de tu prenda. AdemГЎs tenemos el mejor servicio en todas nuestras sucursales, certificado a nivel mundial.

    Prestamo infonavit

    Nuestras sucursales

    Localiza tu sucursal mГЎs cercana

    Prestamo infonavit

    En San NicolГЎs

    Sucursal Los Pinos Tel.- 2127-0400 – Ave. Los Pinos #225, Col. Villas de Oriente.

    Sucursal Montes Berneses Tel.- 2127-0419|2127-1824|2127-1825 – Ave. Montes Berneses #1173, Col. El Refugio

    Sucursal Unidad Laboral Tel.-2127-0428 -Articulo 123 #705-A Entre Enrique Recio y HГ©ctor Victoria Col. Unidad Laboral

    Sucursal Casa Blanca Tel.- 2127-7168 – Londres #601 Col. Villas de Casa Blanca 3В° Sector, San Nicolas de los Garza N. L.

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    En Guadalupe

    Sucursal Guadalajara Tel.- 2127-0411 – Ave. Guadalajara #654 Col. Josefa Zozaya

    Sucursal Los Lermas Tel.- 2127-0468 – Plutarco ElГ­as Calles #2104, Col. Hda. Los Lermas

    Sucursal Mixcoac Tel.- 2127-1034 – Mixcoac #402 Col. CaГ±ada Blanca

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    En Monterrey

    Sucursal JuГЎrez y Morelos Tel.- 8343-1294 – Ave. JuГЎrez #927 Sur Zona Centro

    Sucursal Madero Tel.- 8374-2746 – Ave. Madero #219 Zona Centro

    Sucursal San ГЃngel Tel.- 2127-0421 – Ave. San ГЃngel #4344 Col. San ГЃngel Sur

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    En Apodaca

    Sucursal HuinalГЎ Tel.- 2127-0413 – Carretera San Miguel-Huinala #201, Col. RincГіn de Huinal

    Sucursal Jardines Tel.- 2127-0414 – Ave. Adolfo LГіpez Mateos #302, Col. Jardines de Mty

    Sucursal La Noria Tel.- 2127-0423 – Camino a Huinala #103, Col. Noria Nte.

    Sucursal Margaritas Tel.- 2127-7164 – Iris #601, Col. Hda. Las Margaritas 3В° Sector

    Sucursal Metroplex Tel.- 2127-0417 – AndrГіmeda #409-A, Fracc. Insurgentes

    Sucursal San Carlos Tel.- 2127-0231 – Villa de San Carlos #443 Col. Villa de San Carlos 2В° Sector

    Sucursal AfganistГЎn Tel.- 2127-9239 – Ave. AfganistГЎn #386 Col. Los Robles

    Sucursal AndrГіmeda Tel.- 2127-4026 – Ave. AndrГіmeda #165, Col. Metroplex

    Sucursal Costa Rica 1 Tel.- 2127-0498 – Ave. Costa Rica #531, Col. Nvo. Amanecer 1В° Sec.

    Sucursal Costa Rica 2 Tel.- 2127-0478 – Ave. Costa Rica #200, Col. Nvo. Amanecer 1В° Sec.

    Sucursal Г‰banos 1 Tel.- 2127-0406 – Jarilla #753-B, Col. Г‰banos 4В° Sec.

    Sucursal Г‰banos 2 Tel.- 2127-0407 – Anacahuita #726-B, Col. Г‰banos 4В° Sec.

    Sucursal Fomerrey 4 Tel.- 2127-0410 – Ave. AГ±o Intl. de la Mujer 408-B, Col. Fomerrey 4

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    En Santa Catarina

    Sucursal Aurora Tel.- 2127-0401 – Mar Rojo #171, Col. La Aurora

    Sucursal Las Villas Tel.- 2127-0512 – Ave. Manuel OrdoГ±ez #1431, Col. Zimex

    Sucursal LГіpez Mateos Tel.- 2127-0415 – Ave. Perimetral Sur #119, Lomas del Pte.

    Sucursal Colosio Tel.- 8801-1613 – Ave. Luis Donaldo Colosio #235, Col. Residencial Cuauhtemoc

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    En JuГЎrez NL

    Sucursal JuГЎrez Libramiento Tel.- 8233-3030 – Julio Cisneros #608, Col. Garza y Garza

    Sucursal Portal JuГЎrez Tel.- 2127-1177 – Carretera a San Mateo Km. 1.5-202

    Sucursal Villa JuГЎrez Tel.- 8233-3320 – Arturo B. de la Garza #306-A, Col. VillamontaГ±a

    Sucursal Villa JuГЎrez 2 Tel.- 8233-4015 – Arturo B. de la Garza #501 Local 1 y 2, Zona Centro

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    CiГ©nega de Flores

    Sucursal CiГ©nega de Flores Tel.- 01-825-238-607 – Ave. Independencia #305, Zona Centro

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    En Zuazua NL

    Sucursal Carrizalejo Tel.- 01-825-247-0308 – Ave. Mezquital #227, Col. Carrizalejo

    Sucursal Real de Palmas Tel.- 2127-1198 – PrГ­ncipe de Asturias #1134 Col. Real de Palmas

    Sucursal Real San Pedro Tel.- 2127-1199 – Aranjuez #201, Col. Real San Pedro

    Prestamo infonavit

    En TerГЎn NL

    Sucursal Gral. TerГЎn Tel.- 01-826-267-0842 – JuГЎrez #100, Zona Centro

    Prestamo infonavit

    En Hidalgo NL

    Sucursal Hidalgo Tel.- 01-829-286-1700 – Hidalgo #201 Zona Centro

    Prestamo infonavit

    En Montemorelos NL

    Sucursal Montemorelos Tel.- 01-826-263-7184 – Zaragoza #707, Zona Centro

    Prestamo infonavit

    En Salinas Victoria NL

    Sucursal Salinas Tel.- 2127-0420 – Ignacio Zaragoza #211-B, Zona Centro

    Prestamo infonavit

    En Monclova Coahuila

    Sucursal Monclova 1 Tel.- 01-866-695-3057 – Harold R. Pape #803-2, Col. Obrera Sur

    Sucursal Monclova 2 Tel.- 01-866-632-0125 – San JosГ© #7015, Col. AmpliaciГіn HipГіdromo

    Sucursal Monclova 3 Tel.-01-866-635-3622 – Francisco I. Madero #209, Zona Centro Cd. Frontera Coah

    Prestamo infonavit

    En Saltillo Coahuila

    Sucursal Vicente Gro. Tel.- 01-844-309-0277 – Boulevard Vicente Guerrero #656 Col. Vicente Guerrero

    Sucursal Mirasierra Tel.- 01-844-413-5508 – Calle 29 Col. Mirasierra

    Sucursal MisiГіn Tel.-01-844-141-3537 – MisiГіn Sta. Lucia #1105, Col. MisiГіn Cerritos

    Sucursal Otilio Tel.-01-844-305-0079 – ProlongaciГіn Otilio #3845, Col. Universidad Pueblo

    Prestamo infonavit

    En Morelia MichoacГЎn

    Sucursal Morelia 1 Tel.- 01-443-313-5011 – LГЎzaro Caedenas 325-B Zona Centro

    Sucursal Morelia 2 Tel.- 01-443-315-6185 – Ave. Durango #451, Col. Isaac Arriaga

    Sucursal Morelia 3 Tel.- 01-443-275-3425 – Ave. Pedregal #752, Col. Colina Infonavit

    Sucursal Morelia 4 Tel.- 01-443-359-7464 – Ave. TorreГіn Nuevo #1355, Col. Villas del Real/p>

    Sucursal Morelia 5 Tel.- 01-443-340-4033 – JosГ© Trinidad de Guido #226, Col. Tanque del Pastor

    Sucursal Morelia 6 Tel.- 01-443-192-5535 – Ave. De La Cantera #450 Col. Villas del Pedregal

    Sucursal Morelia 7 Tel.- 01-443-313-6217 – Vasco de Quiroga #43, Zona Centro

    Sucursal Morelia 8 Tel.- 01-443-382-2678 – Ave. Miguel Hidalgo #8-E Col. La Aldea

    Prestamo infonavit

    En Tampico Tamaulipas

    Sucursal Tampico 1 Tel.- 01-833-221-1777 – Ave. Monterrey #701 Local 1, Col. Enrique CГЎrdenas Gonzales

    Sucursal Tampico 2 Tel.- 01-833-226-3131 – Carretera Tampico-Cd. Mante #1205 Local 1, Col. Nuevo Progreso

    Sucursal Tampico 3 Tel.- 01-833-162-1777 – Boulevard Allende #17, Zona Centro Altamira

    Sucursal Tampico 4 Tel.- 01-833-122-6193 – Manrique #102 Local 3, Col. Colinas de San Gerardo


    Crédito vehicular, prestamo vehicular.

    #Prestamo #vehicular


    Préstamos y Financiamientos Crédito Vehicular

    No esperes más para tener el auto que siempre quisiste

    1. Inicio
    2. Préstamos y Financiamientos
    3. Crédito Vehicular

    ¡El auto que siempre quisiste lo podrás tener muy pronto!

    Califica fácil

    Plazo para pagar

    Tasas preferenciales

    ¿Recibes tu Cuenta Sueldo con nosotros?

    Rápido y fácil

    Asesoría personalizada

    Simula tu Crédito Vehicular

    Simula tu Crédito Vehicular

    Resultado de simulación de Crédito Vehicular

    ¿No te gusta este resultado?

    Términos y condiciones de la simulación

    • La solicitud de crédito está sujeta a evaluación, el desembolso y vencimiento del crédito dependerán de dicha evaluación. Los datos emitidos por este simulador son referenciales.
    • Fecha de Desembolso: para efectos de esta simulación, la fecha de desembolso es el día de realizada la misma.
    • En caso se apruebe el crédito, no se incluyen los gastos que hayan sido pagados directamente por el cliente, así como el ITF.
    • El monto de la cuota incluye: (i) seguro de desgravamen individual; (ii) el envío de informe de pago (el cliente tiene la opción de elegir: (1) envío físico (con costo), (2) virtual (sin costo), (3) ambos o (4) ninguno). Para (i) el cliente tiene la opción de endosar sus póliza de seguro a favor de Interbank.
    • Para efectos de la simulación no se considera el seguro del bien. El monto de éste dependerá del tipo de vehículo y puede contratarse a través de Interbank o a través de terceros endosándolo a favor de Interbank (verificar comisiones por endoso de póliza en www.interbank.pe ).
    • Para mayor información puede acercarse a nuestra red Tiendas Interbank a nivel nacional.

    Lo sentimos, con los datos ingresados no podemos simular, por favor inténtalo otra vez.

    Términos y condiciones

    Se informa que los datos personales proporcionados a INTERBANK quedan incorporados al banco de datos de clientes de INTERBANK. INTERBANK utilizará dicha información para efectos de la gestión de los productos y/o servicios solicitados y/o contratados (incluyendo evaluaciones financieras, procesamiento de datos, formalizaciones contractuales, cobro de deudas, gestión de operaciones financieras y remisión de correspondencia, entre otros), la misma que podrá ser realizada a través de terceros.

    Asimismo, el titular de los datos personales autoriza a INTERBANK a utilizar sus datos personales, incluyendo datos sensibles, que hubieran sido proporcionados directamente a INTERBANK, aquellos que pudieran encontrarse en fuentes accesibles para el público o los que hayan sido obtenidos de terceros; para tratamientos que supongan desarrollo de acciones comerciales, incluyendo evaluaciones financieras, la remisión (vía medio físico, electrónico o telefónico) de publicidad, información u ofertas (personalizadas o generales) de productos y/o servicios de INTERBANK y/o de otras empresas del Grupo Interbank, las mismas que se encuentran difundidas en el portal de la Superintendencia del Mercado de Valores (www.smv.gob.pe). Para tales efectos, el titular de los datos personales autoriza a INTERBANK la cesión o comunicación de sus datos personales, a dichas empresas.

    Se informa al titular de los datos personales, que puede revocar la autorización para el tratamiento de sus datos personales en cualquier momento, de conformidad con lo previsto en la Ley de Protección de Datos Personales (Ley No. 29733) y su Reglamento (Decreto Supremo No. 003-2013-JUS). Para ejercer este derecho, o cualquier otro previsto en dichas normas, el titular de datos personales podrá presentar su solicitud en cualquiera de las sucursales de INTERBANK.

    Tratamiento de datos personales

    1. Se informa que los datos personales proporcionados a Interbank quedan incorporados al banco de datos de clientes de Interbank y que Interbank utilizará dicha información para efectos de la gestión de los productos y/o servicios solicitados y/o contratados (incluyendo evaluaciones financieras, procesamiento de datos, formalizaciones contractuales, cobro de deudas, gestión de operaciones financieras y remisión de correspondencia, entre otros), la misma que podrá ser realizada a través de terceros.
    2. Interbank protege estos bancos de datos y sus tratamientos con todas las medidas de índole técnica y organizativa necesarias para garantizar su seguridad y evitar la alteración, pérdida, tratamiento o acceso no autorizado.
    3. Mediante la suscripción del presente documento, usted:
      1. Autoriza a Interbank a utilizar sus datos personales (incluyendo datos sensibles) proporcionados a Interbank, aquellos que pudieran encontrarse en fuentes accesibles para el público o los que hayan sido válidamente obtenidos de terceros; para tratamientos que supongan desarrollo de acciones comerciales, realización de estudios de mercado, elaboración de perfiles de compra y evaluaciones financieras, la remisión, directa o por intermedio de terceros (vía medio físico, electrónico o telefónico) de publicidad, información, obsequios, ofertas y/o promociones (personalizadas o generales) de productos y/o servicios de Interbank y/o de otras empresas del Grupo Intercorp y sus socios estratégicos, entre las que se encuentran aquellas difundidas en el portal de la Superintendencia del Mercado de Valores (www.smv.gob.pe), así como en el portal www.intercorp.com.pe/es. Para tales efectos, el titular de los datos personales autoriza a Interbank la cesión, transferencia y/o comunicación de sus datos personales, a dichas empresas y entre ellas*.
      2. Declara conocer que la suscripción de la presente autorización es de carácter libre y voluntaria y que, por tanto, no condiciona el otorgamiento y/o gestión de ninguno de los productos o servicios financieros ofrecidos por Interbank.
    4. Interbank le informa que usted puede revocar la autorización a la que se refiere el numeral 3 anterior en cualquier momento, así como ejercer los derechos de acceso, rectificación, cancelación y oposición para el tratamiento de sus datos personales. Para ejercer estos derechos, o cualquier otro previsto en las normas referidas a la protección de sus datos personales, usted deberá presentar su solicitud en cualquiera de las tiendas de Interbank.

    Algunas de las principales marcas, cuya titularidad pertenece a estas empresas son: Plaza Vea, Vivanda, Mass, San Jorge, Economax, Oechsle, Tu Entrada, Promart, Cineplanet, Casa Andina, Papa John’s, Bembos, China Wok, Dunkin Donuts, Popeye’s, Don Belisario, UTP, Innova Schools, IDAT, UCIK, IPAE, Inkafarma, Salud Total, Sparza Club, Interfondos, Interseguro, entre otras. Esta lista es enunciativa, más no limitativa.


    Datenschutz in unternehmen, datenschutz in unternehmen.

    #Datenschutz #in #unternehmen


    Datenschutz-Guru

    Datenschutz im Unternehmen EINFACH besser machen

    Hauptnavigation

    Main Content

    Datenschutz in unternehmen

    Crashkurs Datenschutzrecht (DSGVO) Teil 3

    Im 3. Teil des Crashkurses zur DSGVO geht es um die praktisch wichtigste Zulässigkeitsvariante der DSGVO: Die Datenverarbeitung zur Erfüllung von Vertragszwecken In dieser Podcast-Folge

    Datenschutz in unternehmen

    DSGVO in kleinen Unternehmen umsetzen Tipps für ein „DSGVO-Projekt“

    Ich werde häufiger gefragt, wie ich denn so eine DSGVO-Implementierung in Organisationen (Unternehmen/öffentlichen Stellen) angehen würde. Ein Patentrezept, das immer passt, habe ich dafür jedoch

    Datenschutz in unternehmen

    Crashkurs Datenschutzrecht (DSGVO) Teil 2

    Im 2. Teil des Crashkurses zur DSGVO geht es um die „Brot und Butter“-Norm der DSGVO, nämlich Art. 6 DSGVO. In dieser sind nämlich die Zulässigkeitstatbestände für die Verarbeitung personenbezogener

    Datenschutz in unternehmen

    Crashkurs Datenschutzrecht (DSGVO) Teil 1

    Wir stehen kurz vor einem neuen Jahr. Und da kam die Idee für auf, einen Crashkurs Datenschutzrecht auf Basis der DSGVO in einer Podcast-Reihe aufzunehmen. In diesem Crashkurs sollen die rechtlichen

    Datenschutz in unternehmen

    Hilfe, wie mache ich meine E-Mail-Newsletter-Liste DSGVO-compliant?

    Im heutigen Podcast geht es um eines der Themen, das momentan in den Top 10 der Beratungsanfragen hier in der Kanzlei rangiert. Jetzt, wo die DSGVO mit großen Schritten herannaht, merken auch die

    Datenschutz in unternehmen

    Aufzeichnung der „Office Hours“ vom 18.12.2017 verfügbar

    Am 18.12.2017 fand die wieder die „Office Hours“-Telefonkonferenz für Datenschutz-Coaching-Mitglieder statt. Bei den „Office Hours“ besteht Gelegenheit (auch schon im Vorfeld über ein Formular)


    Concept Media PA, Ton – Licht – Medientechnik, Vermietung – Verkauf – Installation, Uwe Bertet, Цhringen-Michelbach, heizstrahler verleih.

    #Heizstrahler #verleih


    heizstrahler verleih

    Seit nunmehr 25 Jahren sind wir Ihr verlдsslicher Dienstleister fьr Veranstaltungstechnik.

    Wir bieten Ihnen professionelles Equipment namhafter Hersteller zur Miete, zum Kauf und zur Installation.

    Sie planen eine Veranstaltung und sind auf der Suche nach einem versierten Dienstleister?

    • Sie brauchen nur ein Mikrofon oder ein Kabel?
    • Ihre Endstufe ist gerade abgeraucht?
    • Sie haben heute einen Event aber noch keine Lautsprecheranlage?
    • Ihre Stereoanlage ist fьr die geplante Party zu schwach auf der Brust?
    • Ihr Kronleuchter funzelt nicht im Beat der Musik?

    Keine Panik! – Unser Mietservice bietet Ihnen beste professionelle und bewдhrte Technik zu fairen Preisen. Sie erhalten bei uns namhafte Veranstaltungstechnik zur Selbstabholung, oder als individuellen Fullservice mit Transport, Aufbau, Abbau und Betreuung.

    Weiter haben Sie die Mцglichkeit, die von uns angebotene Technik direkt bei uns zu kaufen.

    Installationen in kommunalen Einrichtungen wie Schulen, Versammlungs- und Sportstдtten, in Industrie-, Handels- und Gewerbebetrieben, sowie Gastronomie runden unser Angebot ab.

    Unsere Technik umfasst:

    • Lautsprechersysteme von EV, Nexo, RCF, dB Technologies und LD-Systems
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    • Mikrofone und Funk von Shure, Sennheiser, AKG und LD-Systems
    • Lichttechnik von TEC, DTS, GLP, Botex, GlobalTruЯ, Work, Litecraft
    • Videotechnik von Sanyo, Toshiba, Panasonic, Stumpfl AV und Projecta Screens

    Um Details Ihrer Veranstaltung zu klдren, stehen wir Ihnen gerne zu einem persцnlichen Gesprдch zur Verfьgung. Oder verwenden Sie einfach das auf der Kontaktseite bereitstehende E-Mail-Formular. Wir rufen Sie umgehend zurьck.

    Nach Kategorien sortiert kцnnen Sie bequem in unserer Datenbank stцbern und sich das fьr Ihre Veranstaltung passende Equipment zusammenstellen. Alle aufgefьhrten Mietpreise verstehen sich als Tagesmietpreise zzgl. MwSt. Fьr mehrtдgige Anmietungen vereinbaren wir mit Ihnen gerne unsere gьnstigen Mietpreisstaffelungen.

    Interessiert? Dann testen Sie uns, fragen Sie nach, nehmen Sie Kontakt auf. Wir freuen uns auf Sie!


    Avvocato Divorzio Breve, Divorzio consensuale, roma e lazio, consulenza gratuita avvocato.

    #Consulenza #gratuita #avvocato


    Avvocato per Divorzio Consensuale ed Economico a Roma ed in tutto il Lazio

    Divorzio Breve, Divorzio Consensuale e Costi Minimi, solo €225 a coniuge + iva

    Divorzio Celere è a tua completa disposizione, facci tutte le domande che vuoi.

    Richiedi Informazioni Gratuitamente, Ora

    Avrai un Divorzio Breve

    Divorzio Celere ti assiste nella tua pratica di separazione o divorzio a costi ridotti e nel rispetto delle tue esigenze personali Contattaci ora, senza impegno

    Siamo esperti nel divorzio, a tua disposizione, da oggi

    Ci poniamo come aiuto concreto, guidandoti nella scelta della via più adeguata tra le varie strade brevi percorribili con la nuova riforma

    Divorzio consensuale a partire da soli 225 € iva esclusa a coniuge, costi ridotti al minimo senza rinunciare alla massima professionalità

    Divorzio Celere Srls PI 13559731008

    Professionisti al tuo servizio

    Certezza dei costi e delle procedure

    Noi siete i soli a vivere questa esperienza. Noi siamo qui per aiutarvi

    Abbiamo aiutato centinaia di persone

    I nostri clienti sono soddisfatti

    Abbiamo chiuso con successo tanti casi, anche i più difficili

    “Divorzio Celere ti assiste nella tua pratica di separazione o divorzio a costi ridotti e nel rispetto delle tue esigenze personali. Per ulteriori informazioni e per un consulto gratuito, potete contattare in qualsiasi momento il nostro Staff al numero verde 800.134.644 o tramite lapposito modulo da compilare che trovate nel sito. Esponete la vostra situazione e verrete ricontattati per avere una prima consulenza gratuita e/o per fissare un appuntamento. ”


    Donare il sangue – Salute Lazio, donazione sangue quanto.

    #Donazione #sangue #quanto


    Donazione sangue quanto

    Regione Lazio

    Calendari delle presenza delle autoemoteche per le raccolte sangue nel Lazio

    Calendario Febbraio 2018

    Introduzione

    In questi ultimi anni la Regione Lazio ha operato nel settore trasfusionale scelte innovative. È stata creata una Rete Trasfusionale che copre tutto il territorio regionale. Questo sistema è il risultato di un’importante sinergia tra Regione, Aziende sanitarie, Enti locali ed Associazioni di Donatori volontari. Il governo e il coordinamento delle attività delle strutture trasfusionali della Regione Lazio viene svolto dal Centro Regionale Sangue (CRS).

    La carenza di sangue rappresenta in tanti ospedali una vera e propria emergenza, in particolare nel periodo estivo. Per affrontare il problema, è necessario promuovere il più possibile la cultura della donazione.

    Donare il sangue è un gesto importante ed è gratuito, perché il sangue è necessario e ce n’è sempre più bisogno. Con un gesto individuale semplice, sicuro e utile si può salvare la vita di persone che ne hanno un assoluto bisogno.

    Con un piccolo gesto si può salvare una vita.

    Perché: l’importanza di donare il sangue

    Il sangue non può essere prodotto in laboratorio ed è pertanto disponibile solamente grazie alla donazione.

    Un organismo sano lo reintegra velocemente e la donazione non costituisce un rischio; anzi, con le donazioni periodiche, lo stato di salute del donatore viene costantemente controllato.

    Il sangue è indispensabile negli interventi chirurgici e trapianti di organo, nella cura di leucemie o di altre malattie oncologiche, nei servizi di primo soccorso e di emergenza, nelle varie forme di anemia cronica.

    Chi: i requisiti per donare

    Chi ha dai 18 ai 65 anni (per il donatore periodico, dai 65 anni fino a 70, la donazione di sangue intero può essere consentita previa valutazione clinica). Persone che esprimono la volontà di donare per la prima volta dopo i 60 anni possono essere accettate a discrezione del medico responsabile della donazione.

    Il peso non deve essere inferiore a 50 Kg, la pressione massima tra 110 e 180 mm, minima tra 60 e 100, le pulsazioni comprese tra 50-100 battiti/min.

    Il candidato donatore deve essere in buona salute e non avere malattie croniche con danni permanenti.

    L’uomo può donare 4 volte all’anno, la donna in età fertile 2 volte all’anno.

    Chi non può donare il sangue?

    Non può donare chi ha comportamenti a rischio, quali: assunzione di sostanze stupefacenti, alcolismo, rapporti sessuali ad alto rischio di trasmissione di malattie infettive, chi è affetto da infezione da virus HIV/AIDS o portatore di epatite B o C, chi fa uso di steroidi o ormoni anabolizzanti.

    Alcune condizioni patologiche o comportamentali non sono compatibili temporaneamente o definitivamente con la donazione in quanto dannose per il donatore e/o per il ricevente.

    Non esistono categorie di persone escluse dalla donazione, ma nella selezione del donatore sono valutati i comportamenti individuali che possono risultare a rischio.

    Come: il percorso del donatore

    • Il donatore si presenta presso un Servizio Trasfusionale o un’Unità di Raccolta, la mattina a digiuno (può prendere solo un caffè, un thè o un succo di frutta, zuccherati ma senza latte).
    • Compila un questionario con i suoi dati anagrafici e la sua storia clinica, vengono effettuati la misurazione dell’emoglobina e il controllo della pressione arteriosa e della frequenza cardiaca. Al termine della valutazione il medico formula il giudizio di idoneità alla donazione.
    • Il set di prelievo è monouso e la donazione è di 450 ml di sangue. Il prelievo dura 10-15 minuti ed è sempre assistito da personale sanitario. Il medico rimane sempre a disposizione durante l’intero percorso della donazione, anche per rispondere alle domande del donatore.
    • Dopo il prelievo, vengono garantiti al donatore un riposo adeguato e un congruo ristoro.
    • I risultati relativi alle analisi effettuate vengono inviati al donatore.

    Cosa: il percorso del sangue

    Sangue intero

    Si definisce donazione di sangue intero il sangue prelevato a scopo trasfusionale da un donatore, utilizzando materiale sterile, monouso e corredato di apposite sacche di raccolta contenenti una soluzione anticoagulante. Ogni unità prelevato viene suddivisa dopo la donazione in globuli rossi, plasma e piastrine.

    Molti donatori sono idonei anche a tipi di prelievo diverso da quello di sangue intero (donazioni in aferesi), che servono ad assicurare la disponibilità di plasma e piastrine per i pazienti che richiedono questi specifici trattamenti. La raccolta viene eseguita utilizzando un separatore cellulare nel quale viene installato un circuito monouso e sterile, eliminato ogni volta al termine della donazione.

    Plasmaferesi

    Il plasma è la componente liquida del sangue, costituito da acqua (80%), sali minerali, proteine, fattori della coagulazione.

    Piastrinoaferesi

    Le piastrine sono le cellule del sangue che prevengono e arrestano le emorragie.

    Multicomponente

    La raccolta in multicomponente è la raccolta contemporanea e programmata di più componenti del sangue, scelti sulla base delle caratteristiche del donatore e le necessità dei pazienti.


    Empresas detallistas en mexico, empresas detallistas en mexico.

    #Empresas #detallistas #en #mexico


    14. Detallistas y mayoristas

    Los detallistas son las personas, físicas o jurídicas, que venden al consumidor final; establecerse en el mundo del minorista o detallista es relativamente fácil, pero no muy aconsejable desde el punto de vista de la rentabilidad, ya que en principio tan solo se necesita una aportación económica que cubra el local y los productos, pero los resultados de esta incursión no son siempre satisfactorios, ya que la inexperiencia, falta de formación y fuerte competencia contribuyen a que en muchas ocasiones se abandone el proyecto o se tenga una pérdida considerable de dinero. En la actualidad este sector está sufriendo un gran deterioro por la crisis y la elevada apertura de negocios de propiedad asiática.

    Los mayoristas son aquellas personas, jurídicas o físicas, que compran a fabricantes, con objeto de volver a vender el artículo a un detallista para obtener un beneficio. Son varias las razones por las que un fabricante debe considerar el uso de un almacenista, pero principalmente destacaremos aquella que le permite llegar a un mayor número de puntos de venta, con menor coste operativo, una mejor rentabilidad y aprovechamiento del equipo humano del fabricante, consiguiéndose así aumentar la cifra de ventas. En la actualidad es un segmento de la distribución que está a la baja.

    14.1. Cómo conseguir vender en el pequeño comercio

    Históricamente, el marketing se ha considerado un lujo al alcance de unas pocas empresas, generalmente las grandes compañías. El marketing estratégico, como el gran desconocido que es para la mayor parte del pequeño comercio, ha sido y es confundido normalmente con la publicidad, sin embargo somos conscientes de que el mercado necesita al comercio minorista, pero adaptado a las nuevas demandas de la sociedad.

    Nuestra experiencia nos ha hecho conocer pequeños negocios que no han sido capaces de ver cómo la competencia les comía terreno, cómo las grandes cadenas iban a desembarcar en su mercado, cómo sus ventas decrecían paulatinamente o cómo sus vendedores no vendían lo que debían. ¡Cuando se han dado cuenta era, sin duda, demasiado tarde!

    Por ello, empiezan a aparecer nuevas soluciones de marketing on-demand, servicios adaptados para el pequeño comercio y desconocidos para la mayoría, que les permiten poder seguir siendo competitivos, analizando la situación en la que se encuentran y conociendo sus posibles áreas de mejora. A través de la auditoría comercial express, realizaremos una radiografía de la situación de la empresa que nos permitirá conocer las áreas de mejora y realizar un plan de viabilidad que nos indicará el presente y el futuro del negocio. ¡Nos estamos refiriendo a herramientas al alcance de todos! que, en nuestra experiencia, nos han permitido ver aumentar las ventas de forma casi inmediata. Si no, hagámonos la siguiente reflexión, ¿por qué el sector franquicia puede competir con éxito con las grandes superficies. Sin duda porque las franquicias cuentan con un franquiciador que les da soporte y les transfiere su know how. ¿Por qué no entonces sustituir a la franquicia por un outsourcing de marketing?

    No hay que olvidar que al igual que en las grandes compañías, el modelo de negocio del pequeño comercio precisa de una reorientación permanente, enfocándose hacia el cliente, focus customer,y hacia las nuevas situaciones de mercado. Por ello, yendo de la mano del marketing es mucho más fácil para el comercio evolucionar en paralelo a las nuevas tendencias.

    A) ¿Gasto o inversión?

    A este interrogante es muy fácil darle una respuesta ya que por el interés del propio empresario y por el simple hecho de no querer perder más dinero o simplemente por querer vender más, el marketing supone una inversión. Es verdad que no cuenta con la bolita mágica de cristal que todo lo sabe, sino que observa, estudia y analiza el mercado eliminando o minimizando las incertidumbres existentes con el fin de estar preparados para la toma de decisiones pensadas, rápidas y, lo más importante, acertadas.

    Nuestra experiencia nos indica que el realizar un audit y un plan de viabilidad del negocio puede ofrecernos las soluciones que llevábamos buscando largo tiempo y que nos hacían pensar que la globalización iba a erradicar al pequeño comercio del tejido comercial, cuando la realidad es bien distinta ya que la tienda urbana tiene futuro, siempre y cuando esté gestionada de forma profesional.

    Por tanto, es obligado preguntarse ¿por qué las pequeñas empresas y comercios no recurren más al marketing? La respuesta es sencilla, porque ni existe cultura de mercado ni queremos realmente evolucionar.

    Sin embargo, soy consciente de que cada vez más los pequeños empresarios quieren ver que sus comercios se llenen nuevamente de clientes, por ello voy a indicar la metodología que hay que seguir, cuando queramos posicionar en la mente del comprador que un determinado comercio le va a satisfacer plenamente; potenciando los valores que tienen frente a las grandes superficies: la cercanía, especialización, atención prestada, flexibilidad, capacidad de adaptación, etc. A continuación vuelvo a recordar lo tratado en el capítulo 2 sobre las etapas necesarias para desarrollar con éxito un plan de viabilidad en el pequeño comercio.

    B) Punto de partida

    En esta etapa se analiza la situación real en la que se encuentra la empresa comparando el histórico de años anteriores con el fin de definir de forma realista la evolución del punto de venta y su tendencia.

    C) Análisis estratégico

    En esta etapa se debe chequear toda la actividad comercial. Mediante la utilización de una serie de herramientas estratégicas conoceremos nuestras áreas de mejora y puntos diferenciales frente a la competencia. DAFO, matriz RMG, mystery shopping, posicionamiento de nuestro negocio en la mente del cliente, etc.

    D) Trabajo de campo

    Estudio de la competencia, gestión del personal y servicio recibido, productos y precios, cierre de la venta. Asimismo controlaremos el nivel de conocimiento que se tiene en la zona de nuestra tienda, el número de visitas y compras que se realizan versus competencia, estamos en una zona fría o caliente.

    E) Estudio de la demanda

    Por producto y visitas de los clientes. Análisis del público objetivo, cartera de productos, precios, ratios de conversión de visitas/ventas, etc.

    F) Work shop ejecutivo

    La labor de campo realizada nos va a dar respuesta al grado de notoriedad y conocimiento de nuestro punto de venta, valoración que tiene nuestro mercado, nuestra competencia, identificación de nuestros

    productos, valores diferenciales, etc. Por ello es preciso tener reuniones de trabajo con el personal de ventas donde se marquen las primeras directrices a seguir.

    G) Áreas de mejora

    El plan ha de concluir con un resumen y un análisis final en el que se dictaminen claramente aquellas áreas de mejora que necesitamos para poder competir con éxito. A este respecto es fundamental que cada una de las variables y acciones a realizar sean priorizadas bajo los apelativos de necesarias, urgentes y recomendables. Seis simples pasos que pueden marcar la diferencia entre optar por una estrategia de crecimiento o por una de declive.


    Car Insurance Quotes – Auto Insurance, Progressive, texas car insurance rates.

    #Texas #car #insurance #rates


    Car Insurance

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    Ways you can save on car insurance with Progressive

    More than 18 million drivers are insured by Progressive, making us one of the largest and most trusted car insurance companies. ** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

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    Snapshot is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.

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    Compare the exact same coverages at a handful of companies and instantly see the best price.

    Try Name Your Price

    Try the Name Your Price Tool and tell us what you want to pay. Then, we’ll show coverages in your budget.

    Auto insurance coverages we offer

    Accidents, glass damage, lawsuits, hail, and more we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

    Keep in mind, coverage offerings can vary by state.

    Liability (bodily injury and property damage)

    Covers damages you cause to others

    If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.

    Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

    Comprehensive and collision

    Covers damage to your car

    These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

    Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

    Uninsured/underinsured motorist

    Covers your injuries and damages

    These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

    Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

    Medical payments

    Covers your injuries

    Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

    Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

    Rental car reimbursement

    Covers rental car fees

    Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

    Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).

    Loan/lease payoff

    Helps pay off your loan when your car is totaled

    Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

    Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

    Progressive guarantees repairs

    Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

    Progressive Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.

    Most love us! And we think you will too.

    4 out of 5 recommend Progressive car insurance

    It’s not just because of the savings when you start your policy. It’s also because we’re always working to find more discounts (even after you start your policy) and provide 24/7/365 customer support.

    Get an auto insurance quote online or call for advice

    • Home
    • Insurance
    • Auto Insurance

    The #1 Insurance Site

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

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

    Mobile rates are for policies purchased directly from Progressive.

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

    Discount varies and is not available in all states or situations

    The Progressive Group of Insurance Companies, comprised of Progressive Casualty Insurance Company and its affiliates, is the country’s fourth largest auto insurer.

    Discounts not available in all states and situations

    You’ll get more information when you quote. All coverages subject to policy terms and conditions.

    National survey of new Progressive auto customers in 2015.

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

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

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



    Car Insurance Quotes – Auto Insurance, Progressive, purchase auto insurance online.

    #Purchase #auto #insurance #online


    Car Insurance

    Get a quote you could save $620 *

    Ways you can save on car insurance with Progressive

    More than 18 million drivers are insured by Progressive, making us one of the largest and most trusted car insurance companies. ** Why? It’s simple. Our unmatched value. We offer tons of discounts including safe driver, pay-in-full, multi-car, multi-policy, quoting online and more. Take advantage of our savings and get an auto insurance quote now.

    Bundle auto and property

    Save another 5% or more on your auto insurance when you combine with home, renters or condo.

    Snapshot: drive safe save more

    Snapshot is a program that personalizes your rate based on how YOU drive. The safer you drive, the more you can save.

    Compare car insurance rates

    Compare the exact same coverages at a handful of companies and instantly see the best price.

    Try Name Your Price

    Try the Name Your Price Tool and tell us what you want to pay. Then, we’ll show coverages in your budget.

    Auto insurance coverages we offer

    Accidents, glass damage, lawsuits, hail, and more we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.

    Keep in mind, coverage offerings can vary by state.

    Liability (bodily injury and property damage)

    Covers damages you cause to others

    If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, this covers you if someone sues you over an accident.

    Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability.

    Comprehensive and collision

    Covers damage to your car

    These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.

    Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

    Uninsured/underinsured motorist

    Covers your injuries and damages

    These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

    Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

    Medical payments

    Covers your injuries

    Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

    Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

    Rental car reimbursement

    Covers rental car fees

    Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).

    Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. Add this and we’ll pay for your rental car fees (up to your limits).

    Loan/lease payoff

    Helps pay off your loan when your car is totaled

    Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

    Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

    Progressive guarantees repairs

    Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

    Progressive Service Centers offer a simplified claims process. All you have to do is file your claim, drop your car off and that’s it. We’ll have your rental car waiting if you need one and take care of the entire repair process for you.

    Most love us! And we think you will too.

    4 out of 5 recommend Progressive car insurance

    It’s not just because of the savings when you start your policy. It’s also because we’re always working to find more discounts (even after you start your policy) and provide 24/7/365 customer support.

    Get an auto insurance quote online or call for advice

    • Home
    • Insurance
    • Auto Insurance

    The #1 Insurance Site

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

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

    Mobile rates are for policies purchased directly from Progressive.

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

    Discount varies and is not available in all states or situations

    The Progressive Group of Insurance Companies, comprised of Progressive Casualty Insurance Company and its affiliates, is the country’s fourth largest auto insurer.

    Discounts not available in all states and situations

    You’ll get more information when you quote. All coverages subject to policy terms and conditions.

    National survey of new Progressive auto customers in 2015.

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

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

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



    Municipio 2 sede contatti mezzi pubblici telefono, ordine avvocati milano numero telefono.

    #Ordine #avvocati #milano #numero #telefono


    Municipio 2

    Viale Zara, 100 – 20125 Milano

    Si ricorda che, ai fini della validità giuridica, l’utilizzo della posta certificata è riservata agli utenti in possesso di una casella di posta certificata (Art. 1 del DPR 11/02/2005).

    Segreteria Presidente Municipio 2

    Tel. 02.884.54430 – dalle ore 10:00 alle ore 12:00

    Area Municipio 2 – viale Zara 100 – primo piano

    Sportelli aperti al pubblico dal lunedì al venerdì – dalle ore 9:30 alle ore 12:30 (con termine distribuzione numeri alle 12:15)

    Per info, telefonare ai nn 02.884.58227/64253 – dalle ore 14:30 alle ore 15:30

    Per info, telefonare ai nn 02.884.58223/64253 – dalle ore 14:30 alle ore 15:30

    Protocollo Idoneità Abitativa

    Per info, telefonare al n. 02.884.58200 – dalle ore 14:30 alle ore 15:30

    24 ore su 24 – tel. 020208

    Coordinamento Vigili di Quartiere

    lun./ven. (non festivi) – dalle 14:00 alle 17:00

    Segreteria telefonica negli altri orari: 02.77272089

    MM5 Marche/MM3 Zara

    Centralino Comune di Milano

    In Evidenza

    Salvami – Andata-Ritorno

    E’ stata inaugurata il 16 aprile l’installazione di Franco Mazzucchelli. L’installazione, composta da oltre 200 metri di pvc gonfiabile e cemento, si snoda vicino alla Stazione Centrale dal Memoriale della Shoah alla galleria sotto la stazione fino a giungere in piazzetta Gluck. Il progetto ha ricevuto il contributo del Municipio 2.

    Avviso pubblico per contributi economici attività podistiche studenti

    E’ stato pubblicato, nella sezione Bandi e Gare del sito del Comune di Milano, l’ “Avviso pubblico finalizzato alla concessione di contributi economici a favore di istituzioni sociali private ai senti dell’art. 12 della Legge n. 241/90 per il sostegno di attività podistiche rivolte agli studenti degli istituti scolastici del Municipio 2”. Il termine per la presentazione della domanda di partecipazione è il 2 maggio 2018 alle ore 12:00. Sul sito è disponibile il testo completo dell’Avviso pubblico e la documentazione utile per partecipare.

    Bando pubblico per assegnazione concessione d’uso immobile (chiosco)

    E’ stato pubblicato, nella sezione Bandi e Gare del sito del Comune di Milano, il Bando pubblico per l’assegnazione in concessione d’uso a titolo oneroso di un immobile sito nel parco Franca Rame a Milano, per lo svolgimento di un’attività di somministrazione di cibi e bevande e per la realizzazione di un progetto finalizzato alla valorizzazione dell’area. Il termine per la presentazione della domanda di partecipazione è il 4 maggio 2018 alle ore 12:00. Per ulteriori informazioni o effettuare un sopralluogo, è possibile contattare l’Ufficio Monitoraggio tecnico – tel. 02.88458243/58223 (lun-ven. ore 9/12 – 14/16) .Sul sito è disponibile il testo completo del Bando pubblico e la documentazione utile per partecipare.

    Bando manifestazione “Festa dei Comuni di una volta: Crescenzago”

    E’ stato pubblicato, nella sezione Bandi e Gare del sito del Comune di Milano, il Bando pubblico per l’affidamento del servizio di organizzazione e realizzazione nel territorio del Municipio 2 di una manifestazione aggregativa/ludica denominata “Festa dei Comuni di una volta: Crescenzago” . Il termine per la presentazione della domanda di partecipazione è il 9 maggio 2018 alle ore 12:00. Sul sito è disponibile il testo completo del Bando e la documentazione utile per partecipare.

    Newsletter Municipio 2

    Parte un nuovo servizio, la newsletter del Municipio 2, rivolto ai cittadini del territorio che desiderano essere informati sulle diverse iniziative proposte dal Municipio. Un filo diretto ed agile per informare periodicamente i cittadini e le diverse realtà che operano sul territorio del Municipio. Per ricevere la newsletter è necessario iscriversi.

    Segreterie C.A.M.

    Per tutte le info relative ai corsi dei Centri Aggregazione Multifunzionale del Municipio 2, sono a disposizione le Segreterie nei seguenti orari: CAM ZARA – lunedì/martedì dalle 9:00 alle 13:00 e dalle 14:00 alle 18:00; CAM PADOVA – mercoledì/giovedì dalle 9:00 alle 12:00 e dalle 14:00 alle 18:00; venerdì dalle 9:00 alle 13:00

    Orari apertura sportelli Municipio 2: ISEE e CILA/CIL

    ISEE: riceve nei giorni di martedì e giovedì – dalle 14:00 alle 15:15, previo appuntamento telefonico al n. 02.884.58200, da contattare nei giorni di lunedì/mercoledì/venerdì – dalle 14:30 alle 15:30. CILA e CIL: piano 1 stanza 13 – è aperto dal lunedì al venerdì, dalle ore 9:30 alle ore 12:30 (e comunque, fino all’esaurimento della coda in attesa). Termine distribuzione numeri alle ore 12:15.

    Interventi edilizi minori

    A partire dal 30 giugno, il Comune di Milano adotta la modulistica approvata dalla Conferenza Unificata Governo, Regioni ed Enti Locali il 4 maggio 2017, aggiornata in base ai decreti legislativi 222/2016 e 126/2016 (c.d. decreti Madia). Per facilitarne la ricerca e l’utilizzo è stata creata la pagina ad hoc: “Modulistica edilizia e documenti” alla quale è possibile accedere cliccando sul titolo di questa notizia.

    Morosità incolpevole 2018

    E’ stato pubblicato il nuovo bando per la presentazione delle domande di riconoscimento della condizione di morosità incolpevole e degli inquilini morosi incolpevoli, titolari di contratto di locazione nel libero mercato. Tutti i moduli e le informazioni utili sono disponibili cliccando sul titolo di questa notizia (sez. Servizi di Municipio – Morosità incolpevole).


    Cheapest Car Insurance in Oklahoma, auto insurance oklahoma.

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    Cheapest Car Insurance in Oklahoma

    Proud of its Native American heritage, Oklahoma s state flag bears an Osage warrior s shield and both the peace pipe and olive branch reminiscent of peace and unity. A proud state, visitors can t miss Oklahoma s American spirit of patriotism. Home to the Route 66 museum, Red Rock Canyon State Park and the Chisholm Trail, The Sooner State attracts Americans of every type. CheapCarInsurance.net wants to help contribute by making the state s car insurance information easily accessible in this well-organized list.

    LAWS REGULATIONS

    As drivers take a chance to get out on scenic Oklahoma byways, this list of helpful facts regarding the state s driving rules and regulations will make sure those drivers are protected and well-informed.

    Minimum Car Insurance Requirements in Oklahoma

    • The Oklahoma Department of Insurance points out that every Oklahoma vehicle must be covered by Liability Insurance.
    • Liability Coverage minimums:
      • $25,000 for an individual in an accident.
      • $50,000 for an accident involving multiple individuals.
      • $25,000 for accidents causing property damage.

    Requirements for New Driver Licensing:

    • Oklahoma requires all drivers to be licensed to operate a vehicle in the state. The Department of Public Safety has created a Graduated License Driver (GDL) program for drivers ages 15 to 18. The program consists of a Learner s Permit, an Intermediate License and an Unrestricted License.
    • Learner s Permit. This permit can be obtained by an applicant who has reached 15 years, 6 months of age and has completed or is currently enrolled in a driver education program. At this age, the applicant must have passed the written and vision tests.
    • If the applicant has not completed a driver education course, he/she must be 16 years of age and passed the written and vision tests. During this phase, the following applies:
      • The Learner s Permit must be held by the applicant for 6 months
      • The applicant must be supervised by a licensed driver who is 21 or older and who has held a license for 2 or more years.
    • The applicant must complete at least 50 hours of driving training. This training must include at least 10 hours of driving at night.
    • Intermediate License. At this point, the applicant must pass the driving test and have successfully passed the Learner s Permit phase. During the permit phase, the applicant must have had no moving violations. The following applies during this stage:
      • The applicant may drive only between 5am and 10pm without supervision. To drive during the restricted times, the applicant must have a supervisor driver listed who meets the above qualifications.
      • The applicant may carry only 1 passenger unless supervised.
    • Unrestricted License. To obtain this license, the applicant must have either held the Intermediate License for 6 months with no convictions or have turned 18. If the applicant has not taken a driver education course, he/she must have held the Intermediate License for 1 year with no convictions or have turned 18.
    • Vision Exam. Requirements for the vision exam include a visual acuity of at least 20/60 or 20/50 in one eye and a field of vision of at least 140 degrees. Corrective lenses may be worn, and the Oklahoma DPS allows for several restrictions.
    • Written Test. The written test will evaluate a driver s knowledge of Oklahoma traffic regulations, safe driving practices, drug offense and alcohol offenses. If the test is failed, the applicant must wait one day to re-take it.
    • Driving Test. A driving test simply evaluates a driver s ability to control his/her vehicle. The test administrator will be looking for sufficient skills in the following areas:
      • Vehicle maneuverability
      • Grade parking
      • Smooth turns, stops and signaling
      • Right-of-way rules
      • Respond and observe pedestrians and other vehicles actions
    • Fees. The following fees apply:
      • Application, $4
      • Written test, $5
      • Road test, $5
      • Driver License, $33.50

    DUI/DWI Laws

    • BAC limit: .08 The Oklahoma Department of Public Safety enforces the DUI convictions in Oklahoma. The following is a brief overview of the minimum penalties for a DUI conviction in the state:
    • First Offense:
      • Fine: maximum $1,000
      • License suspension: 30 days
      • Jail: 5 days to 1 year
    • Second Offense in 10 years:
      • Fine: maximum $2,500
      • License suspension: 6 months
      • Jail: 1 to 5 years
      • Ignition Interlock Device
    • Third Offense in 10 Years:
      • Fine: maximum $5,000
      • License suspension: 1 year
      • Jail: 1 to 10 years
      • Ignition Interlock Device
    • Refusing to test results in:
      • First Offense: 6-month revocation and 1-month Ignition Interlock.
      • Second Offense: 1-year license revocation
      • Third Offense: 3-year revocation

    Texting Driving Laws

    According to Distraction.gov, drivers with a Learner s Permit may not text or use a handheld cell phone device while driving.

    Unique Laws

    With the varied history that is typical with Midwestern states, Oklahoma has some interesting laws still in place. For example, it is forbidden to take an elephant downtown, and horses are not to be tied in front of Yukon s City Hall. One may not eat a hamburger and walk backward while in downtown Oklahoma City. And to take the fun out of childhood, children are forbidden to tie a towel around themselves like a cape and jump from the roof!

    STATS

    Best Cheap Car Insurance Quotes for Oklahoma

    Oklahoma County Car Insurance

    Home of the state capital of Oklahoma City, Oklahoma County is the state s most populated, with 718,633 residents at the 2010 census. Located right in the center of the state, its economy relies on the oil and gas industry. Oklahoma City, which is also the county seat, has one of the largest livestock markets in the world.

    Oklahoma County lies within the Great Plains, a broad expanse of flat prairies and grasslands west of the Mississippi and east of the Rocky Mountains. A must-see for visitors is the Oklahoma City National Memorial, a tribute to the victims of the 1995 bombing of the Alfred P. Murrah Federal Building. An adjacent museum takes visitors on an interactive experience focused on the day of the bombing. Bricktown is a popular Oklahoma City entertainment district next to the Oklahoma River. Also within Oklahoma County is Choctaw, the oldest chartered town in the state.



    Secretar – a de Finanzas, ingresos de una persona.

    #Ingresos #de #una #persona


    ingresos de una persona

    Ingresos de una persona

    Ingresos de una persona

    Ingresos de una persona

    Ingresos de una persona

    Ingresos de una persona

    Ingresos de una persona

    Ingresos de una persona

    Ingresos de una persona

    © Secretaría de Finanzas www.oaxaca.gob.mx

    Centro Administrativo del Poder Ejecutivo y Judicial "General Porfirio Díaz, Soldado de la Patria" Edificio "D" Saúl Martínez

    Avenida Gerardo Pandal Graff #1, Reyes Mantecón, San Bartolo Coyotepec, Oaxaca. C.P. 71257 Centro de AtenciГіn TelefГіnica 501 69 95 y 01 800 310 7070 Lunes a Viernes de 8 a 17hrs.

    AVISO IMPORTANTE

    Se informa al público en general que la recepción de documentos en el área de correspondencia de esta Secretaría será:

    Para trámites y/ó servicios generales de 9 a 15 horas

    Tenencia 2017

    Ingresos de una persona

    Servicios en Línea

    Ingresos de una persona

    Impuestos sobre Tenencia

    Ingresos de una persona

    Declaraciones de Impuestos

    Facturación Electrónica

    Ingresos de una persona

    Descarga tu CFDI

    Pagadas hasta el 25 de Enero de 2016

    Ingresos de una persona

    Pagadas a partir del 26 de Enero de 2016

    En el apartado “Consultar mi CFDI”

    Aprovechamientos

    Ingresos de una persona

    Honorarios por Notificación

    Ingresos de una persona

    Paquete EconГіmico 2018

    • CRITERIOS DE POLГЌTICA ECONГ“MICA 2018 Ingresos de una persona
    • INICIATIVA DEL DECRETO QUE ESTABLECEN LAS BASES 2018 Ingresos de una persona

    Proyecto de Ley de Ingresos 2018

    • INCIATIVA LEY DE INGRESOS DEL ESTADO DE OAXACA 2018 Ingresos de una persona
    • INICIATIVA LEY GENERAL DE INGRESOS 2018 Ingresos de una persona
    • Anexos 3 LEY DE INGRESOS Ingresos de una persona

    Proyecto de Presupuesto de Egresos 2018

    • EXPOSICIГ“N DE MOTIVOS 1 Ingresos de una persona
    • DECRETO DE PRESUPUESTO 2 Ingresos de una persona
    • ANEXO 1 MUNICIPIOS 3 Ingresos de una persona
    • ANEXO 2 Y 3 Ingresos de una persona
    • ANEXO 4 Ingresos de una persona
    • ANEXO 5 Ingresos de una persona
    • ANEXO 6 Ingresos de una persona

    Aprovecha el descuento de hasta 25% en pago de Impuesto sobre la NГіmina

    Si tienes hasta cuatro trabajadores inscritos en el Registro Estatal de Contribuyentes y te encuentras al corriente, en 2017 el Gobierno del Estado de Oaxaca te otorgarГЎ una reducciГіn automГЎtica del 25% en el Impuesto sobre Erogaciones por Remuneraciones al Trabajo Personal (Impuesto sobre la NГіmina); cumpliendo asГ­ con el compromiso de impulsar la generaciГіn de nuevos empleos para los oaxaqueГ±os y la creaciГіn de nuevas empresas.

    Vigencia hasta el 31 de Diciembre

    Mayores informes a los telГ©fonos 501 6995 Гі al 01 800 310 70 70

    Servicios de Agua Potable y Alcantarillado de Oaxaca (SAPAO)

    Ingresos de una persona

    Contrata nuevos trabajadores y recibe una reducciГіn del 100% en el Impuesto sobre la NГіmina

    El Gobierno del Estado respalda a las empresas que realicen nuevas contrataciones y contribuyan a generar nuevos empleos permanentes, otorgГЎndo una reducciГіn del 100% en el pago del Impuesto sobre Erogaciones por Remuneraciones al Trabajo Personal (Impuesto sobre la NГіmina), de aquellos trabajadores adicionales contratados en el ejercicio fiscal 2017 respecto al ejercicio anterior inmediato.

    Vigencia hasta el 31 de Diciembre

    Mayores informes a los telГ©fonos 501 6995 Гі al 01 800 310 70 70

    Tenencia 2017

    Mayores informes a los telГ©fonos 501 6995 Гі al 01 800 310 70 70

    La SecretarГ­a de Finanzas hace de su conocimiento que ningГєn servidor pГєblico estГЎ facultado para realizar gestiones o trГЎmites a travГ©s de redes sociales..


    San Diego Plumbing Repair Services – Plumbing Emergencies

    #brinks #home #security #cost


    #

    Looking For San Diego Plumbing Repair You Can Trust. THINK BRINK!

    The Most Technologically Advanced Plumbing Solutions in San Diego!

    Based in San Diego, Brinks is leading the industry with leak detection and plumbing repair technologies that are setting new standards in effectiveness and convenience.

    Why Choose Brinks for Plumbing Services in San Diego?

    Whether you have a sink stoppage or need help with a disposal installation, our certified plumbing technicians can do the job. We cover both residential and commercial plumbing, so no job is too big or too small. Our plumbing services don t just stop at San Diego plumbing repair we also provide full-service residential reconstruction. pipelining. and leak detection.

    Why choose Brinks for Plumbing Emergencies in San Diego?

    If you have a plumbing emergency in San Diego County, our team is available 24 hours a day. Our emergency plumbers will stop the leak and immediately start cleaning up using our advanced water extraction methods. These services plus our restoration services means your home or business will be as good as new.

    Brinks Plumbing Repair Services

    Brinks specializes in residential and commercial plumbing services with a wide range of solutions for whatever plumbing issues you might have. Plumbing fixture installation, water heater repair. sewer line replacements. and commercial facility repiping are just some of the services our team of experts provides. At Brinks, we ve seen every plumbing emergency you can imagine, meaning we have the experience to assess your plumbing needs quickly and effectively.

    Why choose Brinks for leak detection?

    The most modern, state-of-the-art location and imaging equipment can only be used to the fullest extent when there is a technician trained and experienced in interpreting the readings. Our experts use this technology every day, meaning they know it well and their senses are sharp.

    Green Pipelining

    Brinks installs innovative inner infrastructure to failing pipelines using numerous lining solutions. Pipelining is a Green Technology and saves the environment from the disposal of old piping systems into landfills. We recycle components that need replacement. Brinks offers permanent and affordable solutions with less mess.


    Receivables Factoring vs

    #invoice #factoring, #receivables #factoring, #invoice #discounting


    #

    Running a business sometimes requires the owner to look at all kinds of options to make ends meet financially. There are so many different unexpected expenses that could arise, which necessitate some substantial steps being taken. One of the big challenges that businesses have in this area is collecting the money they are owed from their customers in a timely manner. Sometimes it takes weeks or months for customers to pay what they owe. If a business can find a way to speed up the schedule on which payments are received, it can have a profound effect on the success of the business. Two methods that can be used to speed up collection times are invoice factoring and invoice discounting. While these methods are similar, they have a few key differences to be aware of. Here are the basics of invoice factoring and invoice discounting.

    Factoring and Discounting

    With both of these options, you essentially get an advance from a financing company based on the value of one of your invoices. The amount that you get will be an advance that is less than the value of the invoice total. Then when the customer pays his bill, the financing company is repaid with interest and you receive any amount that is left over.

    Invoice Discounting

    Invoice discounting is a process in which you receive a payment as an advance from the financing company and you retain control of the invoice itself. When a payment is received from the customer, the money goes directly into a bank account that is managed by the financing company. With this type of arrangement, the financing company sometimes provides you with bad debt insurance. This way, you won’t be responsible for paying for the debt if your customer does not pay their bill in the future.

    Before a financing company will agree to do this, you’ll have to be able to prove that your collection processes, invoicing, and your credit checking process is stellar. If you can’t prove that, then you’ll have a hard time getting approved for the advance.

    Invoice Factoring

    Factoring also gets you an advance on the value of the invoice, but the process works a little bit differently. With invoice factoring, you get the advance based on the value of the invoice and the factoring company takes possession of the invoice. The factoring company takes over the process of approving the customer for factoring as well as collecting payments. The customer will start receiving statements from the factoring company and if they don’t pay, they’ll receive phone calls and other collection actions. This means that all the responsibility is transferred from you over to the financing company.

    With factoring, there are actually two different types of factoring arrangements that you could enter into. You could try recourse or non-recourse factoring. With a recourse arrangement, you’re still responsible for the advance you receive if the customer doesn’t end up paying his balance in the future. You have to pay it back to the company when the customer doesn’t pay. With non-recourse financing, you can get access to the advance, but you don’t have to pay it back if the customer doesn’t repay what he owes. This shifts all of the risk over to the financing company.

    Differences

    There are a few key differences between factoring and discounting of invoices. With discounting, you still maintain control over the credit approval and the collection process. With factoring, you don’t have any control over the credit approval or collection process. Your customers will know that you’ve turned over your collection process because they’ll start getting statements from the financing company. If you don’t like the idea of turning over your customers to a third-party company but you still want an advance, then invoice discounting may be a better option for you. However, if you like the idea of getting your money quickly without having to worry about collecting the money from your customers, then factoring might be the right course of action.

    Considerations

    Regardless of which option you choose, they can both provide you with a number of benefits for your business. Instead of essentially being at the mercy of your customers, you can take more control over your financial situation. You’ll be able to speed up the lag time between writing an invoice and getting access to your money. You will be able to pay the bills easier, enjoy your profits sooner, and generally have to worry less about your financial situation. If you’re interested in using these types of funding arrangements, check out CBAC Funding. They have an online marketplace where you can get connected with some of the best companies in the industry. You’ll be able to find the most attractive terms and work with a company that you trust doing business with.

    Featured In


    Большой ремонт (TV Series 1991–1999)

    #reviews, #showtimes, #dvds, #photos, #message #boards, #user #ratings, #synopsis, #trailers, #credits


    #

    The leading information resource for the entertainment industry

    Большой ремонт

    Did You Know?

    Trivia

    Binford Tools, as promoted by Tim on “Tool Time”, is featured in Toy Story, also starring Tim Allen. They can be seen in the scene when Woody is trying to help Buzz escape from Andy’s evil next door neighbour Sid’s room. Woody pushes a red toolbox off the side of the counter and when the toolbox comes into shot you can see the Binford logo on the toolbox. See more

    Goofs

    Jason s actor, Jarrad Paul is sometimes spelled as Jared Paul in the credits. See more

    Quotes

    Tim. [ helping Randy with his math homework ]. now the denominator is the.
    Randy. bottom number.
    Tim. why don’t they just call it the bottom number? The denominator. that sounds like a Schwarzenegger movie doesn’t it?
    Tim. [ impersonating Arnold Schwarzenegger ] I am the Denominator. I’ll give your leg a compound fraction.
    See more

    Crazy Credits

    Most episodes featured outtakes from either Tool Time or the show itself as a backdrop to the closing credits. See more

    Connections

    Frequently Asked Questions

    User Reviews

    The first four seasons of this fam-com had some of the most sharply written battle of the sexes dialogue anywhere. The bi-play of Allen and Richardson was perfect, which makes you glad her character was re-cast at the last minute. It would be hard to imagine anyone else with better timing to play his wife. But unfortunately at about the beginning of the 94-95 season, much of the writing and producing staff changed and the show suffered. They managed to crank out a decent amount of good episodes the next couple of years, but after that, it plain and simple just didn’t make me laugh anymore. Bland scripts, with none of the earlier punch that the show had, took up the last few years, that mercifully ended in May of 99. Hard to believe that Allen and Co. lasted almost a whole decade in our living rooms, but for me the loyal viewing ended about midway into the run. Before the writing went in the standard sitcom direction, the show offered some of the funniest stuff I’d scene. Allen’s silly outlook on life, that included worshipping auto racers and football players, and living and dying with his tools and hot rods, was fodder for a lot of good episodes. The kids were good in the mix, too, with Thomas being the real star of the 3, a good young actor with terrific delivery. Bryan, though older, was a subpar performer, with dull line readings the entire run of the show. And Smith sort of forgotten in the backround as the youngest son, doing neither good or bad with his part. He was just kind of there, and turned into some kind of goth lover, wearing all black most of the time and dying his hair that same color. Karn rounded out one of the better comedy teams as Allen’s goody-goody assistant on his home improvement cable tv show. The show itself introduced some unconventional teqniques, like the screen dropping cuts to the next scene, the use of bloopers in the final credits and the often heard but never seen neighbor, Hindman. As Wilson, he usually offered up some sort of poetic advice which Allen would inadvertently twist and contort that would net an easy laugh. There were also a pair of gorgeous tool girls that spiced up Allen’s show, Pam Anderson and the stunning Debbe Dunning. In catching up on the some of the years I missed thru re-runs, it seemed they introduced more of the extended family later on. Richardson’s parents and sisters and Allen’s brother’s, one of which became a regular (O’ Leary). He actually ended up getting seperated from his wife at one point, and seemed to become a full time performer, but then had his role limited to guest shots. Young Thomas left the show in his own, one year before the final season. Citing that he wanted to concentrate on college, it was later revealed that he and Allen had a bad off-screen relationship. Thomas didn’t even turn up for the finale. Tim’s poker and tool shop buddies became more widely used on the show, though I could’ve done without the worthless, brain-dead moocher, Benny. Everything came to a close as Al was married off to a frumpy millionaire and the family relocated to give Jill a chance at her dream job. The final moment was a ridiculous shot of the family towing their house across water(!) so they wouldn’t have to live without it. I have to say that the behind the scenes look back and curtain calls were better than the actual episode. Oh, well, some good years in there made it enjoyable for awhile.

    28 of 47 people found this review helpful. Was this review helpful to you? Yes No


    Polizza Capofamiglia Online: Rc danni a terzi » Preventivo, assicurazione capofamiglia.

    #Assicurazione #capofamiglia


    Polizza capofamiglia: la serenità a portata di mano

    Indice dei Contenuti

    Allinterno delle assicurazioni sulla casa, una copertura che riscuote sempre largo consenso e che è conosciuta su larga scala è quella della polizza capofamiglia, o polizza rc (responsabilità civile) capofamiglia.

    Cominciamo con il chiarire che per capofamiglia& non si intende, come si usava fare molti anni fa, solo il marito o il padre allinterno di un matrimonio con figli, ma una persona che si assuma la responsabilità di altri individui allinterno della stessa casa. Ciò che è necessario, insomma, è solo la condivisione della stessa residenza tra la persona responsabile e la persona (o le persone) sotto la responsabilità altrui. Detto questo, cerchiamo di capire in cosa consiste una polizza capo famiglia e quando occorre stipularla.

    Cosè e quali coperture prevede una polizza famiglia

    Una polizza capofamiglia non è altro che unassicurazione casa contro danni causati a terzi. Questo significa che se lassicurato o altre persone di cui è responsabile (figli, compagno, ma anche coinquilino, babysitter, badante, personale di servizio e addirittura animali domestici) causa involontariamente dei danni a terzi, lassicurazione provvederà al rimborso.

    Ma quali sono le coperture previste dalle compagnie assicurative in tali frangenti? Oltre a casi esemplari, come ad esempio limpianto idrico che allaga lappartamento dei vicini o magari un albero che è caduto nel giardino accanto (se si possiede del verde), questo tipo di polizza copre anche danni causati dal gatto o da altro animale domestico (discorso a parte richiede il possesso di un cane, che implica un costo più alto del premio o una riformulazione del piano) o da figli, che se minorenni potranno usufruire della copertura anche in caso di azioni dolose (e non solo colpose, come per i figli con più di 18 anni).

    Importante è, comunque, come per tutte le altre polizze, chiarire sempre prima di sottoscrivere il piano quali sono i danni comprensivi di copertura e quale il massimale coperto. Nello specifico, quindi, meglio analizzare i sinistri coperti uno per uno (rottura di vetri causata da un pallone, cancelli danneggiati, prato calpestato, cibo del vicino mangiato dal cane, etc.) altrimenti la compagnia non paga e sarà lassicurato a dover rispondere di tasca propria.


    Home Decorating Photos, Interior Design Photos, Home Decorating Pictures, House Interior – Exterior Design Pictures, Home Decor – Improvement Ideas, home decor interior design.

    #Home #decor #interior #design


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  • ALARMAS PARA CASA, OFICINA O NEGOCIO – CERCAS ELECTRIFICADAS – ALARMAS CONTRA ROBO O INTRUSION – EN LA EL DF, CDMX Y ESTADO DE MEXICO, el negocio.

    #El #negocio


    Alarmas Para Casa, Oficina o Negocios – Cercas Electrificadas – Alarmas Contra Robo o IntrusiГіn en el DF, CDMX y Estado de MГ©xico

    Bienvenido a nuestro sitio web. Tecno Alarmas es una compaГ±Г­a de seguridad Mexicana localizada en el Estado de MГ©xico que se especializa en vigilar la seguridad de casas, oficinas y negocios. Contamos con mГЎs de 20 aГ±os de experiencia y un record intachable de vigilancia exitosa de miles de negocios y residencias en la Ciudad de MГ©xico, CDMX, DF y Estado de MГ©xico.

    Cubrimos todos los tipos de riesgos que pueden presentarse en su casa o negocio: IntrusiГіn, Robo, Incendio o Emergencia MГ©dica

    El negocio

    El negocio

    El negocio

    A continuaciГіn enumeramos los productos y servicios que ofrecemos para vigilar su seguridad:

    Alarmas Para Casa

    Alarmas Para Negocios

    El negocio

    El negocio

    Ofrecemos una amplia variedad de opciones en alarmas contra robo o intrusiГіn para su casa, residencia o departamento incluyendo:

    • Alarmas alГЎmbricas o inalГЎmbricas
    • Sensores de movimiento infrarojos y sensores magnГ©ticos de apertura de puertas o ventanas
    • Sirena protegida dentro de un gabinete metГЎlico a prueba de violaciГіn y resistente a la intemperie
    • MГіdulo de control de la alarma con botonera para cГіdigo de acceso, activaciГіn, desactivaciГіn y botones de pГЎnico para informar a nuestro centro de monitoreo el tipo de emergencia: IntrusiГіn, Incendio o Emergencia MГ©dica
    • Respuesta inmediata desde nuestro centro de monitoreo que se comunicarГЎ vГ­a telefГіnica con usted para confirmar o cancelar la emergencia. En caso de que la emergencia sea real, nuestros operadores se comunicarГЎn inmediatamente con los servicios de emergencia correspondientes, segГєn sus instrucciones: PolicГ­a, Bomberos o Servicios MГ©dicos.

    Monitoreo las 24 horas del dГ­a y los 365 dГ­as de la semana desde nuestro centro de monitoreo.

    El negocio

    Como principal objetivo de Tecno AlarmasВ® al instalar un Sistema de Seguridad se encuentra el de evitar un posible robo, asalto o intrusiГіn a un inmueble y resguardar los activos de las Empresas y В Negocios, utilizando dispositivos electrГіnicos de Гєltima tecnologГ­a aplicados a las necesidades de cada zona a proteger garantizandoВ asГ­ una В instalaciГіn 100% profesional que permita que las personas que ahГ­ laboren y los posibles clientes que se encuentren en el lugar protegido se sientan seguros al ver que el comercio, oficina, negocio o empresa cuenta con un Sistema de Seguridad que sin duda alguna causara una muy buena imagen del mismo, lo que siempre es muy agradecido por las personas en general.

    Las Alarmas para negocios son especialmente diseГ±adas para proteger instalaciones comerciales o industriales ya sea con el sistema alambrico o inalГЎmbrico, botГіn de pГЎnico В y los mГЎs modernos sistemas de detecciГіn de intrusos.

    Otros grandes beneficios de contar con un Sistema de Alarma de Alta Seguridad son:

    • Control de aperturas y cierres por medio del password personal de cada persona autorizada (sujeto a cobertura).
    • Brindar protecciГіn В y seguridad a bienes, empleados y clientes.
    • ReducciГіn de riesgos de seguridad.
    • ReducciГіn de costos de CompaГ±Г­as Aseguradoras.
    • ReducciГіn de actos vandГЎlicos, rondines de pandillerismo, grafitis.
    • Mayor control del personal ya que se puede contratar el servicio de reporte de aperturas y cierres.
    • IntegraciГіn con otros sistemas de seguridad como son Cerca Electrificada, ProtecciГіn de puertas de acceso y zaguanes, CГЎmaras de CCTV, Monitoreo 24hrs., AutomatizaciГіn de garaje y В de cocheras.

    Caritasverband Dortmund e, wohnungen dortmund.

    #Wohnungen #dortmund


    Willkommen im Altenzentrum St. Antonius

    Wohnungen dortmund

    Wir möchten Sie ganz herzlich im Altenzentrum St. Antonius begrüßen. Das Altenzentrum St. Antonius ist eine von sieben stationären Altenpflegeeinrichtungen der Caritas-Altenhilfe Dortmund GmbH. Das Altenzentrum bietet 100 Bewohnern in den Wohnbereichen und den Mietern der zehn altengerechten Wohnungen ein Zuhause. Darüber hinaus ist es Arbeitsplatz für ca. 100 Mitarbeiter in den unterschiedlichen Abteilungen.

    Qualitätsprüfung im Altenzentrum St. Antonius 2017

    Am 14.12.2017 hat im Altenzentrum St. Antonius die Regelüberprüfung des Medizinischen Dienstes der Spitzenverbände der Krankenkassen (MDK) stattgefunden. Die Struktur-, Prozess- und Ergebnisqualität wurde mit einer Gesamtnote von 1,1 bewertet.

    Die Einrichtung ist verpflichtet den Transparenzbericht in geeigneter Form zur Verfügung zu stellen. Die Übersicht finden Sie unter dem Link. Falls Sie an detaillierten Informationen interessiert sind, stehen Ihnen die Pflegedienstleitung Frau Klein und die Heimleitung Herr Schaeper gern zur Verfügung. Um Wartezeiten zu vermeiden bitte ich Sie um vorherige Terminabsprache.

    Wohnungen dortmund

    Antoniusfenster – Das Licht von Betlehem im Antoniushaus

    Wohnungen dortmund

    Am 18. Dezember 2017 kam das Licht von Betlehem im Rahmen der Aktion „Friedenslicht“ in das Antoniushaus!

    Jedes Jahr entzündet ein Kind das Friedenslicht an der Flamme der Geburtsgrotte Christi in Betlehem. Das Licht wird in Deutschland an über 500 Orten weitergegeben. Auch das Antoniushaus ist einer dieser Orte.

    Frau Sidlowski und Frau Bernt führten mit Gebeten und Texten durch das besinnliche Programm. Weihnachtliche Lieder begleitete dankenswerterweise Frau Hohmann am Klavier. Als das Licht durch die Pfadfinder gebracht wurde, waren alle sehr still. Während wir Panflötenmelodien lauschten, flackerte das kleine Licht in seiner Laterne. Anschließend brachten die Schwestern des Konvents das Licht in die Kapelle, wo es uns als ewiges Licht erhalten bleibt!

    Adventsfest im Antoniushaus am 08.12.2017

    Am 08.12.2017 fand unsere Adventsfeier statt. Der Nachmittag startete mit leckerem Weihnachtseis. Anschließend fand in der Cafeteria unsere gemeinsame Adventsfeier statt. Bei Plätzchen und Glühwein genossen wir das gemeinsame Singen der Weihnachtslieder, die Frau Duve am Klavier begleitete. Der Klang der Stimmen der vielen Bewohner und Mitarbeiter klang durch das Foyer. Ein Höhepunkt war Frau Duves „Petersburger Schlittenfahrt“, die sie gemeinsam mit ihrer Tochter vierhändig am Klavier spielte. An die Bewohner wurden Glöckchen verteilt. Rhythmisch im Takt musizierten alle mit!

    Es war eine wunderschöne Feierlichkeit.

    • Wohnungen dortmund
    • Wohnungen dortmund
    • Wohnungen dortmund

    Aktuelles

    Vorankündigungen

    Termine im Dezember 2017 und Januar 2018

    18.12.2017 Sternemontag: Antoniusfenster

    28.12.2017 Evangelischer Gottesdienst

    02.01.2018 Neujahrsgottesdienst Bewohner und Mitarbeiter

    08.01.2018 Neujahrsempfang der Bewohner mit Jahresrückblick

    15.01.2018 Neujahrsempfang der Kooperationspartner

    22.01.2018 Wellnessangebot für unsere Bewohner

    29.01.2018 Wellnessangebot für unsere Bewohner

    Fotoausstellung im Altenzentrum St. Antonius

    • Wohnungen dortmund
    • Wohnungen dortmund

    • Wohnungen dortmund
    • Wohnungen dortmund

    • Wohnungen dortmund
    • Wohnungen dortmund

    • Wohnungen dortmund

    Seit einigen Wochen sind im Bereich der altengerechten Wohnungen Fotos von Bewohnern und Mitarbeitern ausgestellt. Die Fotoausstellung wurde im Auftrag des Altenzentrum St. Antonius vom Fotografen Herrn Andreas Oertzen erstellt.

    In den letzten zwei Jahren fotografierte Herr Oertzen bei den verschiedenen Gelegenheiten Bewohner und Mitarbeiter. Das Ergebnis ist eine sehr schöne und ausdrucksstarke Ausstellung die Sie sich im Flurbereich der altengerechten Wohnungen anschauen können.

    Rückblick

    Rückblick: Festwoche zum 110-jährigen Jubiläum

    • Wohnungen dortmund

    • Wohnungen dortmund

    • Wohnungen dortmund

    • Wohnungen dortmund

    Am 13.06.2017 begann unsere Festwoche zum 110-jährigen Jubiläum mit dem Patronatsfest. Pfarrer Michael Ortwald hielt am Morgen des Tages für die Bewohner und Mitarbeiter einen Gottesdienst.

    Am nächsten Tag startete unsere Mottowoche. Gemeinsam mit den Bewohnern packten wir also unsere Koffer und los ging die „Reise in die Vergangenheit“.

    Einen Tag, nachdem wir die „Zeche Antonius“ besuchten, war es endlich soweit: Das alljährliche Sommerfest fand in unseren Gärten und in unserer Cafeteria statt! Den Morgen des Tages begangen wir mit einem Festakt. Wir feierten mit Festreden und kleinen, leckeren Häppchen die 110-jährige Geschichte des Antoniushauses. Eine Festchronik fasst die lange Geschichte des Altenzentrum St. Antonius zusammen.

    Anlässlich des 110-jährigen Jubiläums freuten wir uns auch über den von Herrn Gerbothe gestifteten Baum – eine Eiche – in unserem Garten. Diese Eiche soll auf die Zukunft des Antoniushauses hinweisen.

    Am Nachmittag des 20.06.2017 ließen Gäste, Mitarbeiter und Bewohner es sich bei verschiedenen Köstlichkeiten in unseren Gärten gut gehen. Die Musiker Ruhrkadetten aus Bochum sorgten für ein unterhaltsames Musikprogramm.

    Zum Schluss zauberten bunte Luftballons, die mit guten Wünschen für das Antoniushaus gen Himmel stiegen, freudige Gesichter.

    Ganz herzlich möchten wir uns bei allen Mitwirkenden bedanken, die uns während unserer Festwoche so tatkräftig unterstützt haben! Vielen Dank.


    CSI: Architecte d int – rieur, decoration interieur.

    #Decoration #interieur


    Decoration interieur

    Un endroit où toutes vos idées peuvent trouver leurs expressions. Notre objectif est votre objectif.

    Création Style Intérieur: Architecte d’intérieur sintéresse réellement à la création dun espace primé pour chaque client que nous servons. Concevoir l architecture , la décoration dune maison ou un espace commercial (ERP), nous sommes à même de répondre à vos attentes.

    Un nouvel équilibre de la décoration intérieure et l’architecture, de la texture et l’espace, du classicisme et de modernité, est la marque esthétique de Création Style Intérieur.

    Architecture intérieure

    Patrick Allain, architecte d’intérieur personnalisera votre intérieur en optimisant l’ Architecture des lieux pour une harmonie et un bien-être, et réalisera votre décoration en tenant compte de vos désirs.

    A lécoute de vos besoins nous analysons et proposons les solutions les mieux adapté à vos désirs et à votre budget.

    Pour tous vos travaux nous pourrons intervenir sur l’ensemble de votre projet, de la simple décoration et aménagement d’une pièce à la rénovation complète de votre maison ou commerce (cuisine, salle de bain, peinture, électricité, plomberie, menuiserie, maçonnerie. )

    Etude en architecture intérieure, décoration, aménagement, plan d’agencement et technique, perspective 3D, recherche de prestataire, direction et surveillance des travaux, assistance administrative et bien plus.

    Vous etes à la recherche d’un artisan pour vos travaux ?.

    Nous sommes en relation avec tous les corps de métier, et pouvons vous mettre en relation avec notre réseau d’artisans partenaires, qui ont toute notre confiance depuis de nombreuses années.

    Pour ce faire, nous vous remercions de bien vouloir déposer votre demande sur notre site, ou nous contacter par téléphone, nous vous précisons que ce service est entièrement gratuit.

    Travaux

    Décoration et Rénovation

    Nos derniers travaux

    Conception et décoration d’un restaurant

    Décoration d’une Villa

    Décoration et agencement d’un restaurant

    Décoration d’un Restaurant

    Rénovation d’un appartement.

    Rénovation et Décoration d’un Appartement (Croix rousse)

    Rénovation et Décoration d’un appartement

    Renovation et decoration d’une villa.

    Renovation et Décoration d’une villa

    • Votre conseiller en décoration
    • et architecture intérieure.
    • Architecte d’intérieur depuis 1990
    • –> Particulier
    • –> Professionnel
    • –> Accés au Blog

    Le monde de l’architecture intérieure est envahi aujourd’hui de conceptions qui ont été simplifiées et normalisées au détriment de l’individu et de l’original. Chacun de nos projets de conception portent une empreinte d’individualités sophistiqués et uniques.

    – L’ architecte d’intérieur est créatif, imaginatif et artiste,combinant ses connaissances avec la vision esthétique de l’architecture. Il doit savoir comment planifier un espace et la facon de présenter ce plan visuel afin qu’il puisse etre communiqué au client et connait également les matiéres et les produits qui seront utilisés pour créer et meubler l’espace. Pour la décoration ; la texture des murs, les couleurs, l’ éclairage et d’autres facteurs qui se combinent pour créer une décoration harmonieuse. Il comprend les exigences structurelles de leurs plans, et de nombreux autres aspects techniques et administratives. L’architecte peut faire toutes sortes de choses dans le domaine de la conception, et estime les besoins de l’individu ou de l’entreprise. Il doit se fondre dans l’esthétique, ou le regard et la sensation d’un lieu, avec la fonctionnalité et l’utilisation d’un espace, en tenant compte de la surface disponible, les désirs, et le budget du client. L’architecte d’interieur est un artiste, ayant des connaissances dans le batiment et ayant un bon relationnel et est capable d’élaborer des plans et créé des styles de décoration tres divers. Il est formés a la conception ,a l’art et apporte une variété de talents a leur profession. Il est embauché pour ses expertises dans une variété de styles et d’approches. Par conséquent, il doit etre en mesure d’équilibrer ses propres gouts avec celui de leurs clients.

    Le Décorateur s’occupe de l’aménagement et de la mise en place des elements de Décoration. (Couleur, texture des murs, mobilier, etc..). Si l’espace est commercial, industriel ou résidentiel, le Décorateur d’intérieur travaille en étroite collaboration avec le client afin de déterminer les besoins des occupants, et le style qui s’adapte le mieux. Sa position est une combinaison de créateur et artiste, le Décorateur doit avoir un esprit unique pour bien traiter de ces deux concepts. Il doit connaitre les matériaux, et doit avoir des capacités comme,la budgétisation, la communication, l’installation et la maintenance de tous les objets qui définissent un espace.

    Creation Style Interieur.

    Architecture et design Paris

    ALLAIN PATRICK. Architecte d’interieur.


    Préstamos con Hipoteca – Requisitos mínimos en Bogotá, prestamos sobre hipoteca.

    #Prestamos #sobre #hipoteca


    Inicio

    Usted podrá recoger todas sus deudas con un préstamo sobre hipoteca para hacer pagos mensuales más bajos, ya que con nosotros solo paga interés y el capital cuando su capacidad de pago se lo permita ya que el plazo lo escoge usted.

    Con nuestros préstamos sobre hipoteca no debe hacer ningún anticipo. Financiamos todos los gastos notariales.

    Contamos con políticas de crédito flexibles.

    Obtenga ya. Su préstamo sobre hipoteca de manera segura y fácil

    Prestamos sobre hipoteca

    OBTENGA SU PRESTAMO DE LIBRE INVERSION CON HIPOTECA

    Obtenga un crédito libre inversión con garantía hipotecaria RAPIDAMENTE, no importa si usted se encuentra REPORTADO en centrales de riesgos.

    • Requisitos mínimos
    • Rápido desembolso
    • Se financian gastos notariales
    • Sin cobros excesivos

    Entendemos que puede necesitar dinero de manera urgente y los bancos tienen unos tiempos de desembolso bastante altos o puede que no sea sujeto de crédito para ellos por sus reportes, edad o soportes de ingresos. Por esto nuestros prestamos sobre hipoteca son la solución, ya que somos agiles en los desembolsos y con requisitos mínimos.

    Nuestros préstamos sobre hipoteca son un mecanismo seguro mediante el cual usted que necesita un préstamo, lo puede obtener de manera sencilla a una tasa de interés baja, sin reportes en centrales de riesgo, sin largas filas y complejos procedimientos.

    Usted podrá recoger todas sus deudas con solo préstamo sobre hipoteca para hacer pagos mensuales más bajos y el plazo lo escoge usted.

    Actualmente los bancos le cobran una tasa anual de más del 30% sobre sus tarjetas de crédito, más cuotas de manejo y seguros; mientras con nosotros la tasa máxima que usted paga es del 24% anual sin cobros adicionales.

    Para recibir su préstamo con hipoteca usted no debe esperar durante semanas para aprobaciones, pagar altos gastos hipotecarios y esperar un desembolso varios meses. Es un proceso rápido y seguro en el que en todo momento estará debidamente asesorado de expertos en finanzas y derecho.

    Contamos con políticas de crédito flexibles para atender a nuestros clientes de la mejor manera, con pre aprobado inmediato y excelentes tasas.

    Obtenga ya. Su préstamo sobre hipoteca de manera segura y fácil con mínimos requisitos.

    Prestamos sobre hipoteca

    15 cosas que debe tener en cuenta Sobre los préstamos sobre hipoteca

    Si usted necesita un préstamo rápido y desea cuidar su patrimonio debe tener en cuenta lo siguiente:

    1. Sepa que no solo los bancos están habilitados legalmente para realizar un préstamo sobre hipoteca. Cualquier persona lo puede hacer siempre y cuando no exceda los límites permitidos por la ley. Por esto podemos ser más flexibles en plazos y políticas de crédito de acuerdo a lo que usted necesite.
    2. Su inmueble debe estar libre de deudas, gravámenes y afectaciones para ser sujeto de garantía de su préstamo
    3. El monto máximo de los préstamos sobre hipoteca con nosotros es del 33% del valor comercial del inmueble
    4. El plazo de devolución del capital lo pone usted. Solo paga mensualmente el interés pactado.
    5. No solicite más dinero del que necesite y este en capacidad de pagar.
    6. Pida explicación de todo el proceso desde la solicitud hasta el desembolso. Nosotros se lo entregamos por escrito.
    7. No se deje llevar por suntuosas oficinas; trabaje con quien le de confianza y demuestre conocimiento del negocio, así como con quien le brinda garantías para no perder su inmueble a la primera demora de su pago.
    8. Pida explicación de los riesgos de hacer estos préstamos, ya que todas las actividades financieras llevan algún riesgo.
    9. Lea todos los documentos que debe firmar y pida explicación de lo que no comprenda.
    10. Realice todas las diligencias en notaria usted personalmente, no delegue a terceros por medio de poderes la hipoteca de su inmueble.
    11. Conozca quien le presta el dinero, usted tiene el derecho a saber quién es y a qué se dedica el prestamista.
    12. Pida explicación sobre todos los costos que usted debe asumir en el proceso de hipoteca y cuánto dinero le van a entregar
    13. Tenga en cuenta que si en un momento dado usted no puede pagar la cuota (de manera ocasional no recurrente) debe informarnos para así conciliar el prestamista, definir una fecha de pago y no comenzar los procesos de cobro jurídico.
    14. A Nuestros inversionistas nos les interesa quedarse con su inmueble o proceder a realizar procesos jurídicos ya que son costosos y demorados. Les interesa recaudar su dinero derivado del préstamo sobre hipoteca que le hace. No somos inmobiliaria, nuestro negocio no es vender inmuebles.
    15. Usted podrá solicitar dinero para lo que necesite: vehículo, estudio, mejoras de su casa, pagar tarjetas de crédito, otras deudas, emergencias o capital de trabajo de su negocio. No importa si se encuentra mal reportado.

    De esta manera usted podrá solicitar un crédito de manera con total confianza, rápidamente y con la seguridad de un proceso transparente.

    Pasos para realizar un préstamo sobre hipoteca

    1. Envíanos tus datos y monto solicitado con el certificado de tradición y libertad de tu inmueble en Bogotá para darte de inmediato el pre aprobado del préstamo al mail: [email protected]

    Programamos una visita al inmueble donde te explicamos el proceso y realizamos un avalúo comercial

  • Diligencia y entrega la totalidad de los formatos que solicitamos como soportes de ingresos y propiedad
  • Acude a la cita de la notaria con nuestros abogados e inversionistas para realizar la hipoteca. Si no tienes el dinero de los gastos notariales también los podemos financiar.
  • Después de verificar en el certificado de tradición la anotación de la hipoteca, recibirás el valor acordado menos lo gastos respectivos.
  • Empieza a pagar los intereses del crédito sobre hipoteca y el capital lo cancelas al final, al plazo que necesites y con abonos cuando lo desees sin ninguna penalidad

  • Prestito ipotecario: la guida su come fare per ottenerlo e cosa sono i prestiti ipotecari, prestiti veloci cattivi pagatori.

    #Prestiti #veloci #cattivi #pagatori


    Il prestito ipotecario: cos’è, a chi conviene e quando richiederlo

    Indice dei contenuti

    Il prestito ipotecario, anche conosciuto con la denominazione di credito ipotecario, è una soluzione di finanziamento che necessita della garanzia di un’ipoteca iscritta su un bene di proprietà del soggetto richiedente il prestito, costituendo il capitale sul quale l’ente erogatore può rifarsi in caso di insolvenza.

    La tipologia di prestito ipotecario si inserisce nella categoria di finanziamenti personali al privato e non modifica i criteri di erogazione del capitale, del calcolo della rata mensile o del piano di rimborso: la solo differenza rispetto alle tradizionali tipologie di prestito è la richiesta di sottoscrizione di un’ipoteca su l’immobile in cui si risiede.

    Il prestito ipotecario: A CHI CONVIENE?

    Il prestito ipotecario è la soluzione ideale di finanziamento per ottenere dei capitali medi, considerando la necessità di sottoscrivere un’ipoteca su un immobile che deve possedere il valore del capitale richiesto. In linea generale questa tipologia di prestito personale permette di ottenere una somma liquida fino ai 50.000 EURO senza problemi, con delle rate mensili e un piano di ammortamento sostenibili della durata dai 5 ai 25 anni.

    Nel caso del mutuo tradizionale prima casa o del mutuo liquidità la modalità e la somma massima finanziabile non ha lo stesso limite: nel mutuo l’ipoteca è sottoscritta direttamente sull’immobile mutuato che fino al termine del pagamento dell’intero valore non diventa di proprietà del soggetto beneficiario del mutuo; nel prestito ipotecario, per ottenere il finanziamento, è necessario sottoscrivere un’ipoteca su un immobile differente, un immbile di proprietà non già sottoposto a ipoteca.

    Il prestito ipotecario: REQUISITI e DOCUMENTAZIONE

    Per richiedere la tipologia di prestito ipotecario è necessario avere determinati requisiti economici e essere proprietario di un immobile o di un bene sul quale si può sottoscrivere l’ipoteca quale garanzia della risoluzione del contratto stipulato. Il bene immobile deve essere di proprietà del soggetto sottoscrittore del mutuo che non perde il diritto di proprietà durante tutta la durata di sottoscrizione del contratto, tranne nel caso risulti insolvente.

    Per la richiesta del prestito ipotecario, il soggetto che intende avvalersi di questa tipologia di finanziamento deve recarsi direttamente presso l’Istituto bancario al quale desidera richiedere il finanziamento e presentare i seguenti documenti in base allo schema e alla tabella riportati sotto:

    • documentazione che attesta la proprietà del bene immobile;
    • documento d’identità in corso di validità e codice fiscale;
    • contratto lavorativo.

    Il prestito ipotecario: TABELLA REQUISITI e DOCUMENTAZIONE

    Per comprendere meglio i requisiti e la documentazione da possedere per la richiesta e ottenimento del prestito ipotecario, osserva anche la tabella seguente:

    • PROPRIETA’ DI UN BENE;
    • CONTRATTO LAVORATIVO.
    • DOCUMENTAZIONE CHE ATTESTA LA PROPRIETA’ DEL BENE;
    • DOCUMENTI DI IDENTITA’;
    • CONTRATTO DI LAVORO.

    La sottoscrizione di un’ipoteca su un immobile: CARATTERISTICHE

    La sottoscrizione di un’ipoteca su un bene è regolata dagli articoli 2808 e ss. del Codice Civile che stabiliscono i caratteri generali in materia di efficacia e di diritti sul bene ipotecato. La sottoscrizione di un’ipoteca su una cosa non toglie la proprietà sul bene che costituisce solo una garanzia di risarcimento in caso di mancato pagamento o insolvenza.

    Negli articoli sopra mensionati si fa riferimento alla possibilità di ipotecare l’immobile che costituisce la propria abitazione: in questo caso si parla di prestito ipotecario sulla casa. Questa tipologia di prestito personale si suddivide in alcuni elementi che fanno parte della stessa sottoscrizione dell’ipoteca:

    • l’usufrutto dell’immobile;
    • la nuda proprietà;
    • il diritto di superficie su aree edificabili.

    La sottoscrizione di un’ipoteca: ALTRI CASI

    La sottoscrizione di un’ipoteca su un bene immobile per l’ottenimento di un prestito personale non è possibile solo su cose o beni di proprietà materiale al momento ma è anche possibile apporre ipoteca su beni di altra tipologia come:

    • rendite dello stato come navi, aerei, autoveicoli;
    • i beni futuri come un’eredità.

    Il prestito ipotecario: TIPOLOGIE

    I numerosi Istituti finanziari sul mercato propongono svariate soluzioni di finanziamento ipotecario che si contraddistinguono per la garanzia della sottoscrizione di ipoteca su un bene mobile o immobile che possa risarcire il capitale erogato in caso di impossibilità nel corrispondere le rate mensili. Della tipologia di prestito ipotecario fanno parte:

    Il prestito ipotecario sulla casa può essere considerato molto simile al mutuo casa tradizionale costituendo il primo esempio di questa tipologia di finanziamento proprio per l’acquisto dell’immobile con sottoscrizione obbligatoria di un’ipoteca: l’Istituto bancario infatti concede l’erogazione del mutuo al soggetto beneficiario previa apposizione dell’ipoteca sull’immobile mutuato che solitamente è in percentuale doppia rispetto al valore della casa (ipoteca del 200% per esempio).

    La diversità del prestito ipotecario è sopratutto nel valore dell’immobile da ipotecare che costituisce anche il mezzo con il quale è possibile calcolare la somma massima erogabile in sede di stipula del contratto di finanziamento: dei tecnici esperti eseguono una perizia sull’immobile per stabilirne esattamente il valore di mercato e il corrispettivo importo per il finanziamento del mutuo che deve essere sempre in proporzione alla retribuzione del soggetto richiedente il mutuo. Solitamente la somma massima cedibile è di 1/3 della somma percepita mensilmente.

    Il prestito ipotecario: COSA ACCADE SE NON SI PAGA IL DEBITO?

    Il prestito ipotecario, con la sottoscrizione di un’ipoteca sull’immobile, implica che in caso di mancata risoluzione del contratto e di insolvenza, l’Istituto bancario erogatore del finanziamento diventa proprietario dell’immobile/bene ipotecato e può rivenderlo per ricavare la somma finanziata: fino a questo momento, il soggetto beneficiario del prestito è il solo proprietario del bene, nonostante la sottoscrizione dell’ipoteca.

    A tal proposito si visioni il video informativo seguente in cui si spiega la nuova norma in base alla quale non è più possibile pignorare l’abitazione se costituisce la prima casa e unico immobile : com’è possibile allora tutelare gli Istituti bancari dal mancato pagamento o delle insolvenze dei capitali erogati?

    Il prestito ipotecario: IPOTECA E CONTRATTO

    Per comprendere meglio, si visioni anche il video seguente in cui si ricapitolano i caratteri fondamentali del mutuo ipotecario, a chi conviene, i vantaggi e gli svantaggi di richiedere questa tipologia di finanziamento. Nel video è inoltre possibile avere la dettagliata spiegazione dell’atto di sottoscrizione di un’ipoteca, procedimento non da tutti conosciuto. L’ipoteca implica la limitazione del diritto di proprietà che seppur rimane esclusivo fino al termine del contratto di rimborso può decadere in caso di mancato pagamento di 2 rate consecutive costituendo l’elemento di perdita del bene.

    Il video dimostra come sia necessario conoscere i dettagli generali e leggere attentamente il contratto di sottoscrizione del prestito ipotecario o del mutuo con ipoteca obbligatoria sull’immobile che si va ad acquistare prima di stipulare il contratto; evidenzia quanto sia importante avere la certezza di poter ottenere delle rate mensili sostenibili nell’importo e nel piano di ammortamento senza incorrere in difficoltà economiche e nella perdita dello stesso immobile ipotecato.

    Il prestito ipotecario: TABELLA RICAPITOLATIVA

    Per comprendere meglio le caratteristiche principali della tipologia di prestito ipotecario, osserva anche la tabella seguente in cui si ricapitolano i caratteri fondamentali del finanziamento, chi può richiederlo, le garanzie, i limiti, le rate e il piano di ammortamento:


    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, virginia automobile insurance.

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    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.


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    Aktienmarkt global: News und Analysen zu aktuellen Kursen, sichere aktien.

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    Finanzen

    Aktienmarkt : Alle Nachrichten und Informationen der F.A.Z. zum Thema

    Sichere aktien

    Chancen 2018 Das höhere Kurspotential gibt es in Europa

    Marco Herrmann vom Vermögensverwalter Fiduka ist kein Freund des Bitcoins. Aktien aus Europa hält er jedoch für eine sichere Investitionsmöglichkeit. Wie lautet seine Prognose? Mehr Von Markus Frühauf

    Bilder und Videos

    Sichere aktien Sichere aktien Börse Dax gerät in Strudel des Ölpreisverfalls

    Sichere aktien Sichere aktien Gold Krise am Aktienmarkt hält Handel auf Trab

    Sichere aktien Sichere aktien Amerikanische Notenbank Leitzins bleibt weiter auf Minimalniveau

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    Sichere aktien Grafik des Tages Pokémon-Hype sorgt für Wirbel am Aktienmarkt

    Alle Artikel zu: Aktienmarkt

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    ERA: METALL NRW, rechtsanwalt minden.

    #Rechtsanwalt #minden


    ERA – Moderne Entgeltgestaltung

    ERA steht für die Zusammenführung der in der Vergangenheit getrennten Lohn- und Gehaltsrahmentarifverträge für Arbeiter und Angestellte zu einem einheitlichen Vertragswerk für alle Beschäftigten der Metall- und Elektroindustrie.

    Unterscheidung Arbeiter und Angestellte wurde aufgehoben

    Das tarifliche Entgeltgefüge wurde durch ERA grundlegend modernisiert und an die heutigen betrieblichen Anforderungen angepasst. Die in den letzten 30 Jahren erfolgten wirtschaftlichen und arbeitsorganisatorischen Strukturveränderungen in den Betrieben sind in das neue Tarifwerk eingeflossen. Sie gewährleisten eine anforderungs- und leistungsgerechte Entgeltgestaltung für alle Beschäftigtengruppen. Die traditionelle Unterscheidung zwischen Arbeitern und Angestellten ist damit aufgehoben und das Regelwerk gleichzeitig vereinfacht worden.

    Seit Ablauf der betrieblichen Einführungsfrist im Oktober 2010 bildet das ERA nun die alleinige tarifliche Basis der Entgeltfindung in den über 2.000 Unternehmen der Metall- und Elektroindustrie Nordrhein-Westfalens. Alle Beschäftigten erhielten eine neue Entgeltgruppe entsprechend ihrer ausgeführten Tätigkeit.

    Das Entgeltrahmenabkommen stellte die Reformfähigkeit des Flächentarifvertrags unter Beweis – nicht zuletzt durch die vereinfachenden und gleichzeitig vielfältigenbetrieblichen Gestaltungsspielräume.

    Die aktuelle Tarifkarte gibt einen Überblick über die ERA-Tarifentgelte.

    Die arbeitswirtschaftliche Beratung in NRW wird über das Netzwerk der Verbandsingenieure gewährleistet:

    Rechtsanwalt mindenRechtsanwalt mindenRechtsanwalt mindenRechtsanwalt mindenRechtsanwalt minden

    Rechtsanwalt minden


    Autovermietung: Jetzt g – nstig Auto mieten bei Sixt, billiger auto mieten.

    #Billiger #auto #mieten


    Autovermietung Sixt: In 105 L ndern weltweit Auto mieten.

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    Auto mieten bei der Sixt Autovermietung

    Sixt ist die Nr. 1 der Autovermieter in Deutschland. Unser Stationsnetz umfasst fast 500 Stationen in allen gr eren St dten. Wo sie auch hin wollen, wir sind schon da. Egal ob Flughafen, Bahnhof oder Innenstadt. Wir sorgen berall f r die perfekte Anbindung. Dabei k nnen Sie sich darauf verlassen, dass wir Ihnen berall perfekten Service und eine reibungslose Anmietung bieten. Unsere Mitarbeiter sind bestens geschult und werden alles in ihrer Macht stehende tun, um den gew nschten Mietwagen zur vereinbarten Mietdauer zu organisieren. Ob Sie nun einen Kleinwagen, einen Wagen der Kompaktklasse oder einen ger umigen Kombi ben tigen, unsere Flotte h lt f r Sie Modelle von f hrenden Markenherstellern wie BMW, Audi, VW und Mercedes-Benz bereit. Dabei haben Sie auch die M glichkeit sich f r einen Gel ndewagen oder Van, zum Beispiel 7 und 9 Sitzer, zu entscheiden. Alle Mietwagen sind Top gewartet und selten lter als ein halbes Jahr. Sixt ist aber nicht nur ein PKW Verleiher, an immer mehr Stationen haben wir dar ber hinaus ein umfangreiches Angebot an LKW und Transportern in verschiedenen Gr en f r ihre Zwecke. Sie m chten ein Auto gern l nger mieten oder an einem anderen Abholort zur ckgeben? Kein Problem, denn wir bieten auch Leihwagen f r die Langzeit- und Einwegmiete an.


    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, auto insurance indiana.

    #Auto #insurance #indiana


    Auto Insurance

    Get an auto insurance quote

    America’s finest agents, quote and buy online, great discounts, and award winning claims service.

    Why Farmers Auto Insurance is a Smart Choice

    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

    Car insurance with Farmers means:

    Control over your policy

    You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

    Personalized attention

    Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

    Insight and guidance

    Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

    Convenience

    Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

    Smart savings

    Our long list of auto insurance discounts saves you money on smarter coverage.

    24/7 protection

    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

    This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.