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  • Inside California: Car Rental Insurance Requirements, california automobile liability insurance.

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    What bad things can happen?

    There are several bad things that can happen to car renters in California:

    • Third Party Liability. Damaging someone else (bodily injury or property damage) and getting sued by the injured person. The potential loss depends of course on the amount of damage caused, culpability of the driver (racing cars while intoxicated will not help), and attorney and court related fees. This liability can be very large and drivers who have caused a lot of pain and suffering have been successfully sued for many thousands to millions of dollars.
    • Theft if renter is careless. Having the car stolen when the renter has NOT exercised “ordinary care” (e.g. leaving the keys in the car and doors unlocked). The charge depends again on the fair market value of the car and any administration charges (including loss of use). Charges could be as as high as $40,000 when renting a mid-sized car.
    • Collision/Loss for whatever reason. Damaging the rental car (regardless of who is at fault) and getting charged by the rental company for repairs and loss of use. The charge depends on the damage to the car (up to fair market value), how long it takes to repair the damage and any administration charges (including loss of use). However, the charges are capped by California Civil Code Section 1936 if the car is vandalized but not stolen: The most the renter is responsible for is $500.
    • Personal Accident Medical Costs. Getting personally hurt from an auto accident and having to pay medical bills. The risk depends on whether someone else is at fault and has money/insurance to reimburse the renter; and also the extent of the injuries. A standard emergency room visit with X-rays can easily cost $2,000 while emergency surgery may cost over $50,000.
    • Personal Effects Loss. Having personal items (e.g. luggage) stolen or damanged while in the rental car.

    Besides the monetary loss, there is the hassle of dealing with rental car companies, lawyers and paperwork needed to resolve these issues. Hopefully, nothing bad will ever happen but it is important to understand what can go wrong first. Then decide: Do I care about these bad things enough to pay the extra $$ to insure against it?

    California Law Requiring Insurance

    According to California DMV, The following minimum liability insurance is required for private passenger vehicles:

    • $15,000 for injury/death to one person. (Also known as bodily injury liability)
    • $30,000 for injury/death to more than one person.
    • $5,000 for damage to property. (Also known as product damage liability)

    Third party liability insurance compensates a person other than the driver for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements. It covers the situation where you hit and break someone’s leg (bodily injury) or run over someone’s fence (property damage).

    The only required insurance coverage when renting cars in California is third party liability. Of course, many people choose to get insurance over and above what is legally required. Drivers must also carry proof of liability insurance (your own insurance card or the car rental contract if liability coveerage was purchased) as that is required by law.

    What is automatically covered?

    For California, rental car companies do not automatically provide any liability protection to the renter as part of the standard rental agreement. However, some (e.g. Hertz) may provide the minimum primary liability protection to international customers (driver’s license indicates an address outside the USA) renting in California.

    This means drivers need to provide their own liability insurance when renting in California. In general, US residents should already be covered by their regular auto insurance but drivers need to confirm that they have the minimum level of liability insurance from their own insurance company. If not, renters will need to purchase purchase liability insurance (LIS or SLI) through the car rental company, or a non-owner liability policy through an agent or your favorite insurer like Geico, Progressive, etc).

    According to California Civil Code Section 1936, the renter is covered for theft (and vandalism damage as a result of theft) as long as the renter has exercised ordinary care. The renter is also covered for vandalism with a $500 deductible in cases other than theft. So purchasing additional coverage for theft and vandalism (assuming the renter plans to exercise ordinary care) is typically not needed.

    The other risks (collision damage to the rental, theft when renter is careless, personal accident medical or having personal effects damaged/stolen) are not automatically covered by rental car companies. So while not required by law, the renter has the option to purchase coverage to protect against the risk. In many cases, the renter already has coverage through somewhere else (e.g. their own auto insurance or personal liability policy, their health or life insurance, or their credit card company).

    The rates for additional coverages are typically not included in price quotes from direct booking sites in the US whereas International visitors who book rental cars through overseas booking services (e.g., or will typically find 3rd part/supplementary liability insurance and Collision/Loss Damage Waiver bundled into the daily rate. So, always check terms and conditions for quotes when booking or comparing rates.

    Exclusions and limits to coverage

    There are some important exclusions to note in some of the coverages sold by car rental companies.

    Liability insurance sold by rental car companies will typically cover liability up to $1 million. This means if a renter is successfully sued for $5 million, the insurance company will pay the $1 million and the renter is personally responsible for the rest (less any other insurance the renter has).

    Personal Accident Insurance (which covers the renter’s medical bills) typically has an upper limit that is low — only $2,500 for Hertz and Avis. Note that the renter is typically covered only for accidents while in the car and not while falling on a hike or getting food poisoning in a restaurant. Other exclusions may also apply. Visitors to the United States who need temporary health insurance that cover them inside or outside a car for more than $2,500 can obtain them from different insurance agencies that specialize in travel insurance for overseas visitors (e.g. and many others).

    It is also important to note exclusions to the Loss Diamage Waivers (LDW/CDW) sold by car rental companies. LDW is not insurance; it is a waiver of the right for car rental companies to sue for damages. Typical exclusions which invalidates LDW (in California) include (but may not be restricted to):

    • Intentional damage to the rental car
    • Towing or pushing anything
    • Driving while intoxicated or under the influence of drugs
    • Driving in a reckless, wonton or dangerous manner’
    • Using the car for commercial hire, or while committing a felony
    • Driving on unpaved roads (if the damage or loss is a direct result of the road/driving conditions)
    • Driving outside the US or Canada
    • Use of car by an unauthorized driver (other than the renter or spouse of legal age with valid drivers license)

    This means that any damage to the car under the circumstances above will not be covered by LDW. Each rental car company has different rental agreements so read your rental car agreement for the exact exclusions. If you are covered by your own insurance, understand the exclusions of your own insurance when deciding whether there is duplicate coverage.

    Bottom Line: Which Car Rental Coverage is required?

    Third party liability is ALWAYS required so be sure you have that. For others, decide whether you want to pay the additional charges BEFORE you walk up to the rental counter. For many visitors from overseas, collision damage waivers provide peace of mind and California regulates the price so there should be no difference in the cost of coverage among car rental companies.

    Decide before hand so you won’t be confused and end up paying for coverage you don’t need or want. For those who HATE being “sold” additional insurance, consider signing up for frequent renter programs where insurance coverage decisions are made before hand and all you do is pick up the car and skip any “hard sell tactics”.

    Here’s a summary matching the risk with the coverages offered:

    Navegaci – n para Autos – Mio México, gps para autos.

    #Gps #para #autos

    gps para autos

    Cargada con el nuevo y poderoso software de navegación. Neo es la más moderna serie de GPS de navegación de Mio.

    Gps para autos

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    Moov S Serie

    Los navegadores de la serie S cuentan con el novedoso sistema de navegación Spirit, que incluye vista tridimensional de edificios y monumentos.

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    Moov M Serie

    Los GPS de la serie M cuentan con un diseño moderno y genial, para realizar una búsqueda sencilla y rápida.

    Gps para autos

    Doctors and Physician Disability insurance, Compare Quotes, doctors disability insurance.

    #Doctors #disability #insurance

    Get Affordable Disability Insurance

    • Compare Prices from Web’s Best Selection Disability Insurance Carriers
    • Plans Designed Specifically for the Needs of Physicians and Dentists
    • Free Assistance – Our Team has Helped 1,000’s of Medical Professionals
    • Best Prices Anywhere!

    Doctor Disability specializes in providing own occupation disability insurance to physicians and dentists. Whether you are an anesthesiologist, radiologist, emergency room physician, cardiologist or surgeon, you will find relevant information on the most respected, financially secure disability insurance companies in America.

    Our experienced agents work exclusively with doctors and dentists; we understand your busy schedule and desire to have the highest quality benefits available. We work with multiple insurance companies to create customized own-occupation disability insurance plans for members of the medical and dental community in all 50 states.

    Compare and Save

    Request quotes and get an objective, side-by-side comparison of the major insurance companies based on your unique situation. Important features and benefits of the policies are highlighted and presented in an objective, user-friendly format, saving you valuable time and money.

    Our goal is to simplify the insurance buying process to ensure you are getting the absolute best value in own occupation disability insurance benefits.

    No Complications

    You are provided with accurate, unbiased support so you can select the disability income insurance plan that is best for you. Your questions are promptly answered by specialists who understand the needs of physicians and dentists.

    Once you have selected your disability plan, applying through DoctorDisability is quick and easy! Have an application mailed/emailed/faxed to you for a quick turn around and let us take care of the paperwork and all communication with the insurance company. Our job is to make obtaining a policy as easy as possible by being available when you need us; in between patients, at night, whenever it’s convenient for you.

    Take Action Now!

    Nearly half of the one million Americans who filed for bankruptcy protection last year did so as the result of an unexpected injury or illness.

    According to the US Commerce Dept., nearly 1 in 5 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65 – the opportunity cost of lost wages is tremendous.

    A disability can strike anyone, at any time. In an instant, your income could drop significantly. Would you be ready if the unexpected happened? Protect your income by requesting a free quote comparison today!

    What Is a Non-Owner Auto Insurance Policy, non owner auto insurance.

    #Non #owner #auto #insurance

    What is Non-Owners Insurance?

    Non owner auto insurance

    Not many people know car insurance can be purchased for the times when they do not own a car. A non-owner auto insurance policy covers you for liability when you do not own a vehicle. It is purchased per driver, so multiple drivers are not covered under one policy. Most non-owner auto insurance policies do not provide coverage for medical or any physical damage, however, it is possible to find medical coverage depending on the car insurance carrier.

    3 Benefits of a Non-Owner Car Insurance Policy

    • Protection for Liability is Important Even If You Do Not Own a Vehicle

    Example: A lot of things can go wrong while driving. A non-owner auto insurance policy would protect you if you do not own a vehicle and you borrow a friend s vehicle. If your friend had minimum liability on a vehicle and you caused a severe accident, the injured party could go after you personally for pain and suffering if the damages are more than your friend s limits. A non-owner auto insurance policy would kick in and pay the excess damages.

  • Save Money On a Rental Car

    Example: Rental companies charge a lot for their insurance coverage. If you frequently rent a car but do not own a car, a non-owner auto insurance policy will most likely save you money. You will still need to purchase the collision damage waiver so physical damage will be covered, but in general, the non-owner auto policy will extend liability. As with most car insurance coverage, rules can vary by state and insurance carrier but typically a non-owner policy will cover liability for a rental car.

    • Keep Your Preferred Driver Risk Status

      Example: A great benefit of purchasing a non-owner policy is to protect your driver risk status. Many insurance companies consider drivers with no prior insurancehigh risk. A non-owner auto policy would prove you had financial responsibility as a driver without an owned vehicle. This means you will pay a lower rate on car insurance when you purchase a car.

    Keep In Mind Non-Owner Policies Do NOT Cover:

    • Physical Damage

    A non-owner policy never covers physical damage on any vehicle.

  • A Vehicle You Own

    Do not forget to convert your non-owner auto insurance policy into a traditional auto policy once you own a vehicle. Non-owner auto insurance will not cover a vehicle you own.

  • A Vehicle Owned by Resident of Your Household

    If someone owns a vehicle in your household, you should be listed as a driver on their insurance policy as long you do not own your own vehicle. A non-owner auto policy will not cover a vehicle you regularly access.

  • Non-owner auto insurance policies are available everywhere but do not get talked about very often. Many people have never heard of an auto policy for a person who does not own a vehicle. It is always recommended to avoid a lapse in car insurance coverage if at all possible. A non-owner auto insurance policy can protect you for those times when you do not own a vehicle.

    Seguro Auto, Bradesco Seguros, seguro para carro.

    #Seguro #para #carro

    Seguro Auto

    Seguro Auto Bradesco, completo para seu carro

    Seu carro é uma grande conquista. Ele te dá independência, facilita sua locomoção no dia a dia e faz parte das suas viagens e de bons momentos em família e com amigos.

    Nós da Bradesco Seguros queremos ajudar você a cuidar deste bem. Por isso, oferecemos produtos flexíveis, customizáveis e cheios de vantagens, com coberturas para diversos imprevistos – como acidentes, colisões ou furtos.

    Confira qual opção de seguro auto possui as coberturas que você e seu veículo precisam e dirija com mais tranquilidade!

    Já é cliente?

    Seguros para seu automóvel

    Diversas opções de coberturas e benefícios para cuidar do seu carro.

    Para você que é mulher e quer contar com benefícios e assistências exclusivas da Bradesco Seguros para seu carro.

    Seguro Auto com condições especiais para você que é correntista do Banco Bradesco e quer contar com coberturas e assistências exclusivas.

    Cuide de seu carro e sua casa numa única adesão e obtenha uma série de benefícios.

    Exclusivo para clientes Bradesco, oferece assistência completa para você, seu carro e sua casa. Você ainda concorre a sorteios mensais.

    Contrate um plano para você

    Qual a melhor forma de entrarmos em contato com você?

    Encontre a Assistência Auto mais próxima

    A Bradesco Seguros conta com vários postos de vistoria e oficinas referenciadas. Encontre o serviço mais próximo.

    Assistência dia e noite

    Capitais e Regiões Metropolitanas

    4004 2757 Assistência Auto

    4004 2713 Assistência Auto Prime

    Demais Localidades

    0800 701 2757 Assistência Auto

    0800 701 2713 Assistência Auto Prime


    55 11 4133 9353 Veículos de passeio

    55 11 4133 9354 Veículos de carga

    Benefícios do Seguro Auto Bradesco

    Coberturas adicionais

    Indenização pelo valor de um veículo novo, por 90 ou 180 dias; danos morais e cobertura para Kit Gás.

    Serviços sem custo

    Assistência Auto Dia e Noite, por até 400 km, e carro reserva por até 10 dias, tanto para planos com indenização integral quanto para aqueles com cobertura de danos parciais.

    Seguro personalizado

    Assistência Auto Dia e Noite, com quilometragem de reboque ilimitada, e Carro Reserva Plus por 10, 15 ou 30 dias.


    Desconto exclusivo para clientes

    Descontos especiais para clientes Bradesco Seguro Auto. Confira!

    Saiba como e quando pagar o IPVA 2018

    Confira as tabelas de vencimentos de todos os estados.

    Clube de Vantagens Bradesco Seguros

    Desconto de até 50% aos clientes Bradesco Seguros em diversos serviços.

    Descontos de até 50%

    Desconto de até 30% de desconto nos serviços

    Clientes Bradesco Seguros tem até 30% de desconto em estacionamentos

    Até 50% de desconto em locação de carros

    Ainda com dúvidas?

    Consulte as perguntas frequentes ou acesse nossa Central de Relacionamento.


    Primeiramente, você deve informar às autoridades policiais, fazendo o registro da ocorrência. Em seguida, deverá informar ao seu Corretor, à Central de Relacionamento da Bradesco Seguros, que dará as instruções necessárias para acionar seu Seguro Auto e receba indenização.

    Sim, caso não possua nenhuma oficina de confiança a Bradesco Auto/RE possui uma ampla rede referenciada de oficinas que pode ser consultada em nosso site ou através de nossa central de relacionamento.

    Não. Mesmo que você não contrate o serviço de Assistência Auto Dia e Noite, o serviço de reboque do veículo até a oficina mais próxima é oferecido pela Bradesco Seguros em caso de sinistro, sem qualquer custo adicional.

    Se a resposta à pergunta for “não”, na hipótese da ocorrência de um sinistro, se o condutor do veículo segurado for diferente do segurado e do principal condutor e tiver entre 18 e 25 anos incompletos (24 anos, 11 meses e 29 dias), a cobertura securitária não será concedida. Haverá cobertura apenas se condutor tiver 25 anos completos (25 anos e um dia).


    Se você contratar o seguro por Valor Determinado, receberá o valor informado na apólice no momento da contratação. Se o seu seguro foi contratado por Valor de Mercado Referenciado, você receberá o valor que consta na Tabela FIPE, vigente na data de pagamento da indenização, corrigido de acordo com o fator de ajuste informado na apólice.

    É uma tabela de preços dos diferentes modelos de veículos, desenvolvida pela FIPE – Fundação Instituto de Pesquisas Econômicas da Universidade de São Paulo. Elaborada com base em pesquisas realizadas em todo o País, apresenta um valor médio de mercado para cada ano e modelo de veículos nacionais e/ou importados comercializados no Brasil.

    Os valores da Tabela podem ser consultados durante o cálculo do seguro, no programa SAB (Sistema Auto Bradesco) e também pela internet (no site A consulta pode ser realizada pelo nome do veículo ou por seu código FIPE correspondentes (que vem impresso em sua proposta ou na sua apólice de seguro).

    A tabela é atualizada mensalmente, refletindo a média de valores do mercado. Além disso, a FIPE é uma instituição de reconhecida competência, independência e credibilidade, e a tabela satisfaz as necessidades de referência do mercado de seguros.

    É paga sempre ao proprietário do veículo. No caso de veículos financiados ou alienados, a indenização é paga ao credor da garantia, até o limite do crédito. Ou seja, se o carro ainda não foi quitado, o banco ou a entidade que concedeu financiamento recebe a indenização e repassa o valor proporcional às parcelas pagas para o segurado.

    Andrews School Online Medical Career Training Programs, medical billing and coding schools online.

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

    medical billing and coding schools online

    Our new medical coding and medical billing graduates often work at home. Our training focus is at the highest level. For coders, that means preparation for professional coding credentials, the CCS (AHIMA) and CPC (AAPC) certification exams. That is only one reason our courses are known for excellence in the healthcare industry.

    Medical billing and coding schools online

    Medical billing and coding schools online

    Medical billing and coding schools online

    Medical billing and coding schools online

    Medical billing and coding schools online


    Medical coding careers, particularly ICD-10-CM/PCS, are getting a huge amount of well-deserved attention. This is partly because medical coding jobs are often done remotely from home. Andrews students have the right options in place because we are flexible enough to adapt to whatever challenges our industry . More

    What A Medical Coder Does

    People often confuse medical billing with coding or consider both the same career. They are two separate careers, usually done by different people in completely separate . More


    If you are considering a medical billing career, you are most likely searching for information about the outlook for medical billing careers as compared to other jobs in the healthcare industry. You may have heard that a job in billing and coding is a . More

    Where Do Medical Billers Work?

    You can learn to be a medical biller from your own home, but what are the chances that you will find a medical billing job from home? Part of the answer to that question is in the quality of training. Most courses just don’t teach enough . More

    Ahorra con nuestro Comparador de Seguros de Hogar, comparador de seguros hogar.

    #Comparador #de #seguros #hogar

    Comparador de Seguros de Hogar

    En este comparador de seguros de hogar te ayudamos a encontrar el Seguro de Hogar que necesitas para tu casa y al mejor precio. Seleccionamos para ti las mejores ofertas de las aseguradoras de primer nivel para conseguirte un Seguro de Hogar barato y con las coberturas m s completas para cubrir tu vivienda ante cualquier tipo de incidentes.

    Nuestro comparador de seguros compara los Seguros de Hogar que mejor se ajustan a tus necesidades, con todas las garant as que necesitas y unos precios sin competencia. Adem s, las compa as de seguros con las que trabajamos son aseguradoras de total confianza con una amplia experiencia en Seguros de Hogar, para que los servicios que contrates est n a la altura de las expectativas, en t rminos de calidad, precio y plazos.

    El Comparador de Seguros de Hogar, una forma f cil de ahorrar

    El comparador de seguros de hogar de es muy sencillo de usar. S lo tienes que rellenar un formulario para que nos pongamos manos a la obra y encontremos para ti la p liza de hogar m s econ mica y que mejor se adapte la situaci n de tu vivienda. Para acceder al comparador, busca en la oferta de seguros que aparece a continuaci n el acceso para calcular Seguros de Hogar. Al abrir esta la ventana, aparecer el comparador de seguros de vida, con un breve cuestionario que deber s completar para que podamos conseguir el Seguro de Hogar que buscas.

    As de f cil es comparar los mejores Seguros de Hogar con Adem s, una vez que recibimos tu cuestionario, nuestro equipo de asesores se pondr en contacto contigo para darte el mejor asesoramiento durante la contrataci n de la p liza y la elecci n de las coberturas que pueden resultar m s interesantes.

    Te asesoramos para que no falte nada en tu Seguro de Hogar

    Al contratar un Seguro de Hogar son muchos los detalles importantes que hay que tener en cuenta. La valoraci n del contenido y del continente, las coberturas por da os, los casos en los que la p liza cubre el robo en el hogar y los que no Dependiendo de las distintas p lizas de hogar, la protecci n de la vivienda var a. Adem s, has pensado en asegurar tu piso en la playa? Son las mismas coberturas necesarias para una segunda residencia? Todas esas preguntas y muchas m s podr s plantearlas durante la contrataci n del Seguro de Hogar a los profesionales de

    Por otro lado, tenemos como principal objetivo conseguir el mejor precio para tu Seguro de Hogar. Y eso es ahora m s f cil gracias a nuestro comparador de seguros online. Pru balo y te ayudaremos a contratar un Seguro de Hogar con las coberturas m s completas sin pagar de m s.


    Utiliza el comparador de seguros de coche y ahorra hasta un 50%

    Case Vacanze – Affitto appartamenti e case – Oltre case vacanze, case vacanze privati.

    #Case #vacanze #privati

    Case vacanze e appartamenti vacanza

    Trova case vacanza in queste destinazioni ambite

    • Appartamenti Amsterdam (557)
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    • Vedi tutto
    • Appartamenti Londra (6083)
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    • Case Calabria (1665)
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    • Case Santa Maria di Castellabate (94)
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    • Case Campania (7071)
    • Case Lazio (11220)
    • Case Lecce (421)
    • Case Veneto (4527)
    • Case Emilia-Romagna (2001)
    • Case Lombardia (6710)
    • Case Salerno (235)
    • Case Abruzzo (1231)
    • Case Marche (2009)
    • Case Piemonte (2519)
    • Case Cagliari (223)
    • Case Messina (109)
    • Case Latina (13)
    • Case Savona (34)
    • Case Miami Beach (933)
    • Case Roma (7460)
    • Case Toscana (25290)
    • Case Palermo (1376)
    • Case Sardegna (7157)
    • Case Sicilia (15494)
    • Case Liguria (3017)
    • Case Isola d’Elba (679)
    • Case Agropoli (76)
    • Case Alassio (34)
    • Case Alghero (496)
    • Case Baviera (710)
    • Appartamenti Berlino (501)
    • Appartamenti Bibione (147)
    • Appartamenti Cattolica (35)
    • Appartamenti Corsica (1757)
    • Case Follonica (75)
    • Appartamenti Gaeta (96)
    • Appartamenti Grecia (20235)
    • Appartamenti Lignano Sabbiadoro (302)
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    • Case New York City (1802)
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    • Case Palinuro (49)
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    • Case Sperlonga (138)
    • Appartamenti Vasto (72)
    • Appartamenti Vieste (147)
    • Appartamenti Villasimius (172)

    Le case vacanza sono un’alternativa sempre più popolare ai tradizionali soggiorni in hotel. Perché? Perché offrono ai viaggiatori lo spazio, i servizi e la privacy di una vera casa anche in vacanza, con in più un incredibile rapporto qualità-prezzo. Dimentica le anonime camere di hotel: dalle case fronte mare con accesso privato alla spiaggia fino agli appartamenti in lussuosi edifici cittadini, TripAdvisor Rentals ti offre posti ricchi di personalità per rendere i tuoi viaggi indimenticabili. Scegli tra le migliaia di diverse case vacanza in tutto il mondo: appartamenti chic per viaggi d’affari, accoglienti cottage per fughe romantiche o spaziose ville per vacanze in famiglia. Per un soggiorno adatto alle tue esigenze e al tuo stile di viaggio personale, sei nel posto giusto.

    Prenota su TripAdvisor e potrai approfittare della conoscenza e delle competenze della community di viaggiatori più grande del mondo, con recensioni affidabili e proprietari esperti che ti aiuteranno a organizzare il viaggio più bello di sempre. Inoltre, grazie all’esclusiva Protezione del pagamento di TripAdvisor, potrai prenotare con la massima tranquillità sul sito di viaggi più grande del mondo.

    Borse da donna, Zalando, borsa on line.

    #Borsa #on #line

    Borse da donna

    9.241 articoli

    Chi potrebbe fare a meno di un alleato di stile prezioso come una borsa? Al di lГ della funzione pratica, puГІ dare una marcia in piГ№ ai nostri look, rivelando aspetti nascosti della nostra personalitГ . Per questo i migliori brand sul mercato ti propongono una collezione di borse da donna cosГ¬ ampia e variegata: ci sono deliziose pochette, ampie borse porta-pc, borse a secchiello dal sapore vintage che non hanno nulla da invidiare alle piГ№ moderne hit bag. Antenati di questo insostituibile accessorio si trovano giГ nell’antichitГ , ed ГЁ nel Medioevo, precisamente nel dodicesimo secolo, che a Firenze si inizia a lavorare la pelle per produrre dei borselli. In origine, le borse erano utilizzata soprattutto dagli uomini, per riporre denaro e utensili vari; fu nel Novecento, con l’emancipazione femminile, che le donne iniziano a sfoggiare borse pratiche e alla moda. Gli anni Trenta segnano l’ascesa delle trousse, piccolo contenitore rigido per contenere una cipria e un rossetto; ma col tempo, queste borsine lasciarono spazio a modelli comodi e capienti, piГ№ adatti al lavoro e al tempo libero.

    Moda, stile e qualitГ : scopri la collezione di borse da donna!

    Le nostre nonne non uscivano mai senza abbinare le scarpe alla borsa; le borsette per le grandi occasioni, in molti casi, erano realizzate nello stesso tessuto dell’abito, e ne richiamavano completamente lo stile e e il taglio. Oggi le regole non sono piГ№ cosГ¬ rigide: abbiamo molte possibilitГ per giocare coi colori, e combinare un bauletto dalle tinte sgargianti con un completo da ufficio, o una graziosa pochette a dei semplici jeans. Restano fermi, chiaramente, dei precetti generali: la borsa dovrГ armonizzarsi al resto dell’outfit, o aggiungervi una nota particolare e inaspettata. Il colore non deve essere necessariamente quello delle scarpe, ma dovrebbe richiamare in qualche modo le nuance che stai indossando. Se sei una fan del total black, invece, potresti utilizzare la tua shopper dalla fantasia optical per dare un tocco in piГ№ al look, sorprendendo tutti con un’esplosione di stile. Il tocco finale? Un gioiello importante come quelli disponibili tra la nostra vasta scelta di collane choker. La tua mise all’ultimo grido balzerГ subito agli occhi.

    Collezione di borse da donna: un concentrato di eleganza senza tempo!

    Le borse nell’armadio, si sa, non sono mai troppe. Tutte abbiamo bisogno di un modello classico ampio e capiente, dove riporre tutto quello che ci potrebbe servire durante una giornata in ufficio. Per le occasioni piГ№ importanti, affidati alle pochette: sarebbe bene averne una in un colore classico e una piГ№ particolare e brillante, per impreziosire una mise a tinta unita. In estate, puoi puntare su una creazione in paglia, in cui riporre i tuoi occhiali da sole: basterГ un cappello panama e un nastro tra i capelli per sentirti un’elegante diva di altri tempi. Alla ricerca di un’idea regalo? Dai un’occhiata alla nostra ampia scelta di scaldacollo da donna: aggiungendo una bella tracolla, farai felice anche l’amica piГ№ esigente.

    Gebäudedienste und Reinigungsfirma für Reutlingen, Tübingen und Stuttgart, wohnungen reutlingen.

    #Wohnungen #reutlingen

    wohnungen reutlingen

    Sondereinsatz – nach Chloraustritt im Freibad Dettenhausen

    Interviewbericht über Fa. Kawasch / Wirtschaftsforum Aprilausgabe 2017

    Wohnungen reutlingen

    Wohnungen reutlingen

    Wir unterstützen den Internationalen Bund (IB)

    Wir haben auch dieses Jahr wieder tatkräftig den TSV-Mähringen finanziell unterstützt. Unsere.

    Wohnungen reutlingen


    Wohnungen reutlingen

    Nutzen Sie den zuverlässigen Winterdienst-Service von KAWASCH, damit Sie rutsch- und stressfrei durch den Winter kommen!

    Wohnungen reutlingen


    Wohnungen reutlingen

    Nutzen Sie die Fach-Kompetenz von KAWASCH für eine schnelle, kompetente und wirksame Sanierung, damit Sie möglichst schnell wieder einziehen können!

    Wohnungen reutlingen


    Wohnungen reutlingen

    Die KAWASCH Hausmeisterdienste bieten Ihnen vielfältige professionelle Leistungen rund ums Gebäude.

    Wohnungen reutlingen


    Wohnungen reutlingen

    Nutzen Sie den Komplett-Service für wirkungsvolle Taubenabwehrmaßnahmen von KAWASCH.

    Wohnungen reutlingen


    Wohnungen reutlingen

    Die richtige Bekämpfung verschiedener Schädlinge erfordert ein breites Fachwissen und die Beachtung unterschiedlicher gesetzlicher Vorschriften.

    Wohnungen reutlingen


    Wohnungen reutlingen

    Entrümpelungen von Messi-Wohnungen oder Haushaltsauflösungen – wir wissen, was zu tun ist!

    Wohnungen reutlingen

    Wohnungen reutlingen

    Bei allen Reinigungsaufgaben garantieren unsere langjährigen Mitarbeiterinnen durch ständige Kontrollen den hohen KAWASCH Qualitätsstandard.

    KAWASCH bietet alle Serviceleistungen rund um’ s Gebäude:

    Immer umweltfreundlich und wirtschaftlich dank leistungsfähiger Technik, moderner Chemie und dem nötigen Know-How!

    Nutzen Sie die professionelle Reinigungs-Kompetenz von KAWASCH, wenn’s wirklich sauber sein muss!

    Wohnungen reutlingen

    Wohnungen reutlingen

    Wir setzen, wann es uns möglich ist, umweltfreundliche und innovative Reinigungstechniken (z. B. Osmoseverfahren bei der Glasreinigung, Reinigung mit Heißdampf oder auch mit Trockeneis) ein.

    Wohnungen reutlingen

    Bereichsleiter/in für die Unterhaltsreinigung

    Ihre Aufgaben umfassen:

    Aktive Betreuung unserer Stammkunden

    • Erstellung von Angeboten und Vertragsverhandlungen bis zum Abschluss
    • Permanente Kontrolle und Optimierung von Arbeitsabläufen unter Berücksichtigung der Leistungs- und Qualitätsstandards
    • Führung von Mitarbeitern und Objektleitern

    Wohnungen reutlingen

    Lust auf einen spannenden Beruf?

    Dann ist der Gebäudereiniger (Gebäudedienstleister) vielleicht das richtige für Dich.

    Für junge , neugierige und technisch begabte Menschen ist es ein aufregender

    und vielseitiger Beruf, bei dem dir sicher nicht langweilig wird . hier findest Du auch eine Online-Bewerbung .

    Wohnungen reutlingen

    John A Mendoza, Workers – Compensation Lawyers, workers compensation attorneys california.

    #Workers #compensation #attorneys #california

    workers compensation attorneys california

    Workers compensation attorneys california

    Workers compensation attorneys california

    Workers compensation attorneys california

    Workers compensation attorneys california

    Workers compensation attorneys california

    Workers compensation attorneys california

    Workers compensation attorneys california

    Justice For All Injured Workers

    If you or a loved one has been injured at work, call The Law Offices of John A. Mendoza now. We accept ALL work related injuries, and you may be entitled to $4,650 per month in wage replacement benefits.

    Our law firm is aggressive, with more than 25 years of experience. We cover all Southern California locations. Call us right now and we ll tell you if you have a case right over the phone for free, and you won t pay anything until we WIN your case!

    CALL US NOW (800) 370-4878

    Employees who have been hurt on the job should begin their workers compensation claim process by informing their employer of their injury. This step announces their intention to seek damages. The Law Offices of John Mendoza offers assistance with filling out the necessary legal forms to initiate a claim; moreover, the firm’s experienced team can provide information about what types of injuries are covered under workers compensation laws. Also, our attorneys understand such considerations as deadlines, documentation requirements, and expected damages.

    Injured at work?

    Let us help you!

    Workers compensation attorneys california


    Results Exceeded My Expectations

    After my work accident I felt like I was helpless. Two of my friends had recommended me the law offices of John Mendoza so I gave his services a try since I had nothing else left to lose. This is my first time dealing with a worker’s compensation issue and my attorney made everything easy. Keeping me informed as well as representing me in court made this whole problem easier for me. In the end I got a much better settlement than I expected.

    I was working in California 2 years ago when my hand got crushed by a roller at the factory I was employed at. This was obviously going to be a workers comp issue so I had to get a lawyer and these guys were the ones I chose. I know not everyone has great reviews, but I don t have anything to complain about, to be honest. Everyone I spoke to was friendly, encouraging and knowledgeable and we ended up winning my case against the company. After settling with the law firm, they even gave me a follow-up call to see how I was doing. A really great bunch, and I m glad I went with them.

    My warmest thank you for settling my case. I am very happy with Atty. Mendoza s service and the help that the firm has given me. Everyone was very professional and courteous. I didn t feel any sign of intimidation. In fact I genuinely felt that the lawyers were very passionate about my case. Thank you all for your diligence

    Libri da leggere che narrano di cucina e cibo, colpa delle stelle editore.

    #Colpa #delle #stelle #editore

    Colpa delle stelle editore

    indagatore. Denota un carattere poco remissivo. Le braccia allargate ed appoggiate sulla tavola la predispongono

    alla lotta. Un lampadario barocco, sbilenco, le insiste sul capo. La presenza di altri bicchieri suggerisce la presenza di altri convitati. Non sarа una cena conviviale.

    Questa l’immagine di copertina. Infatti. Due coppie di amici si ritrovano ad affrontare un destino comune ai loro figli: hanno saputo che si sono macchiati di un orrido delitto. Il ristorante и di gran lusso e di prestigio mondiale, ci si prenota con anticipo

    di mesi e mesi: fortunatamente uno di loro и il futuro primo ministro. Incominciano a chiacchierare. Sono persone per bene, casa, lavoro, amici, shopping.

    Un poco alla volta si fa strada una vena di acuta follia, di sentimenti ignobili ben intrecciati al loro comune sentire. L’orrore nel quale sofficemente vivono и cristallino. Bene ci stanno e bene lo difenderanno, ad ogni costo.

    Abilmente l’autore, lentamente, sapientemente, ci fa entrare in queste menti malate. Ma, infine, sono tutti benpensanti, rispettabili esempi della ricca borghesia olandese. L’assoluzione per l’atroce crimine commesso dai figli sarа totale ed irremovibile. Per completare l’opera bisognerа commettere un altro delitto. Cosa non si farebbe per i figli. Romanzo duro, durone. Comunque. aggiungo il menщ, forse puт alleviare. Aperitivo, champagne rosй Antipasti, gamberi di fiume con vinaigrette di dragoncello, cipolline e gallinacci dei Vosgi, Secondo, filetto di faraona avvolto in listarelle di pregiata pancetta tedesca ed uva

    Dessert, parfait di cioccolato artigianale con mandorle, noci grattugiate e more

    Digestivo, grappa bianca giovane, caffи espresso.

    Allora. Danny Roth fa l’avvocato, avvocatone! A Holliwood! E’ specializzato in attori, attoroni! E’ ricchissimo!

    Quadri, gioielli, proprietа. E anche vini, vinoni! Lafite-Rothschild del ’53, Latour del ’61, Margaux dell ’83, Petrus del ’70! Bottiglie, bottiglioni! magnum, jйroboam, Mathusalem, Nabuchodonosor, abacuqque! Ma, tranquilli, sono tutte assicurate: per 3 milioni di dollari! Purtroppo Egli и triste, a nessuno gliene frega nulla. Il mondo dello spettacolo, si sa, и arido. Bevono, sм, ma uiski, a litri. Che fare, M. Lenin? Idea! Mi faccio un’intervista, vado su il giornale! Cosм fa. Paginone, fotone, successone! Ora, finalmente, tutti lo sanno, da tutto il mondo sassi! Benon! Come si sa, il tempo passa e arriva il S. Natale. Lм, punta neve! Fortunatamente, il leguleio, ha una casuccia ad Aspen, metri tre di neve. Amici ed amiche, ora Egli и famoso e l’allegra brigata vuol sapere di il vino : E’ bbono?

    Di i’ che sa? Ecc. Egli и finalmente felice! Ma come voi ben sapete, la felicitа dura poco. Tornato a casa scopre che la sua cantina и stata saccheggiata! Ahimи. Vabbи, pace, tanto и assicurato, mica per niente fa l’avvocato!

    In due giorni trova il colpevole. E’ ricchissimissimo, possiede giornali e televisioni, societа, villone, barche.

    Paga le tasse, vorrebbe entrare in politica, и un pт bassino, tutti gli vogliono un bene dell’anima! Giuro, и

    proprio cosм il libro! Comunque, sta a Marsiglia e gli garba avere una cantina piena di vino. E’ Egli il colpevole! Ma и tanto buono, lo vogliono come Presidente, come si puт denunciarlo? Allora glielo rubano e lo ridanno al Sig. Danny.

    Tutti contentoni! Il vino и salvo, il riccone и ricco, il giovane pure, l’avvocato anche. Evviva. Presto ne faranno

    un film. Sarebbe il secondo.

    Ora sapete tutto. Se volete ve lo presto.

    Il cibo, lo spirito e l’umorismo ebraico

    con cultura sapienziale, ci porta in un mondo ricco di tradizione, insegnamento ed ironia. Tutto il racconto и permeato di condivisione e solidarietа, compassione ed umorismo, vissuto attraverso i secoli. Consapevolezza di un destino di esilio e sofferenza sopportata con tenacia e senso dell’umorismo. Il libro и zeppo di storielle, a cominciare da quella che dа il titolo al volumetto, che svelano l’attitudine ebraica all’autoironia e all’arguzia.

    Libro divertente, istruttivo, storico, profondo. Imperdibile!

    Alla fine una ricca appendice di cucina. Povera ma ricca di sapori e profumi. Semplice ma ricchissima di tradizioni millenarie, che vi darа soddisfazioni a profusione ed accontenterа i palati piщ esigenti.

    Alla sezione cucina una scelta di ricette: le piщ facili da realizzare.

    Milano, 2010. Pagg. 167 Ђ9.00

    Tenete a portata di mano un bicchierino di rum!

    Alimentazione e carestie dall’America degli Incas all’Europa del novecento.

    Collezione Storica GARZANTI, 1989 pp434

    Vi erano poi continue lotte tra i clan celtici ed i feudatari Normanno-Irlandesi. Le condizioni di vita erano arretrate, abitazioni di un locale unico, in cui viveva la famiglia e gli animali. Tutti mangiavano da un unico pentolone. Le case si riempivano di fuliggine ed il tetto di paglia veniva bruciato per concimare. Era in uso il piantatoio, come gli andini, e non l’aratro. Chi lo aveva lo legava alla coda dei cavalli. La lana veniva strappata alla pecora con mani invece di tosarla. Questo fino al 1845. Il grano veniva bruciato con tutta la paglia, per poi liberarlo dalla cenere e macinarlo. In una condizione agricola cosм deteriore, l’arrivo della patata fu benedetto. Presto divenne l’unica fonte di sostentamento. Patate, un po’ di latte, farina d’avena. Ben presto l’arte di vivere era ridotta a livelli animaleschi data la sudditanza dal tubero. Una famiglia di cinque persone abbisognava di 125 chili di patate a settimana! Quando il frutto per ben tre anni consecutivi si ammalт, fu la catastrofe. Lo spettro della fame si abbattй furiosamente sulla gente. Vagavano nelle campagne cercando radici commestibili. Le poche manifatture, boicottate dagli inglesi, fallirono.

    In un ambiente esacerbato da gelosie religiose, conflitti politici, attivitа produttive frustrate, ridussero il tenore di vita degli Irlandesi ai livelli piщ bassi mai raggiunti in Europa. Si calcolano oggi in oltre un milione di morti per fame. Parliamo di centocinquanta anni or sono. Se per un qualche motivo un gruppo economico forte ha interesse a svolgere un’azione coercitiva su una parte meno forte, se non ha freni di tipo legale, morale, politico, il metodo migliore и fargli adottare come fonte principale di alimentazione un alimento semplice ed a basso prezzo. Il risultato и l’abbassamento del tenore di vita. Piщ и basso piщ si sfrutta la popolazione piщ il loro stato sarа simile alla schiavitщ. Insomma, quando la patata predomina la societа, una parte di essa corre dei rischi. Proprio perchй и nutriente, и un’arma insidiosa per sfruttare i gruppi deboli. Nella Gran Bretagna del XVIII secolo, la classe imprenditoriale aveva bisogno di mano d’opera a buon mercato. La sussistenza a base di patate riduceva

    il costo del lavoro al minimo. La patata и stata usata deliberatamente con lo scopo preciso di non alzare i salari. Quando la patate giunse in Irlanda la societа era disgregata ed in brevissimo tempo divenne il cibo del popolo. Dopo aver dimostrato di essere lo strumento piщ idoneo a mantenere le masse in stato di miseria e degradazione, la patata finм con il causare la rovina degli sfruttati e degli sfruttatori. E’ l’uomo che con la saggezza o la follia puт decidere di un prezioso dono della natura: benedizione o sciagura. Labile и il confine tra il bene ed il male.

    Libro affascinante, scritto benissimo e straripante di notizie e dati altrimenti introvabili. Ricchissima bibliografia. Insomma, lo leggerete d’un fiato e mi ringrazierete: ora vedrete con occhi diversi la storia dei popoli!

    Il cibo che buttiamo, che distruggiamo. che potremmo utilizzare.

    Bruno Mondadori Editore, 2009, pp. 358 Ђ 22,00

    Amicar – Obtén tu Crédito Automotriz online sin pie, credito automotriz.

    #Credito #automotriz

    credito automotriz

    *En este acto el solicitante, expresamente:

    1) Autoriza a AMICAR S.A. y/o a la i) tercera entidad financiera eventualmente otorgante del crédito y a ii) todas aquellas entidades financieras que realicen un procedimento de evaluación de riesgo del mismo, independiente que finalmente otorguen o no dicho crédito, en adelante e indistintamente las anteriores signadas en i) y ii) las “Entidades” para:

    a) Realizar las gestiones para verificar los datos proporcionados en esta solicitud y sus documentos adjuntos, así como para verificar sus datos personales y comportamiento financiero en Dicom u otro proveedor de informes comerciales o base de datos.

    b) Utilizar y almacenar sus antecedentes personales, situación ecónomica – financiera, y la información de la(s) operaciones sometidas al conocimiento de las AMICAR S.A. y a las “Entidades”. Especialmente, autoriza a AMICAR S.A. y a las “Entidades” para utilizar y almacenar todos los datos que he proporcionado en esta solicitud y sus documentos adjuntos, especialmente aquellos denominados como de carácter personal o sensibles según la Ley N° 19.628 y requerir los mismos a terceras Instituciones. Particularmente, autoriza a AMICAR S.A. y a las “Entidades” a pedir, para su uso exclusivo y bajo confidencialidad, en los términos de la Ley 19.628, y a mi Administradora de Fondos de Pensiones a entregar ésta, a través de Previred S.A., información sobre mis cotizaciones previsionales de los últimos 12 meses, como antecedente a esta solicitud de crédito.

    c) Ofrecerle, sea por escrito, por teléfono, o por cualquier otro medio, créditos, seguros u otros servicios financieros.

    d) Realizar todas las comunicaciones que deba enviarse por correo electrónico dirigido a la dirección electrónica señalada en la presente solicitud, o que informe con posterioridad por escrito, sin perjuicio de otros medios de comunicación.

    Usted puede optar a un crédito de $ para la compra de su vehículo.

    Lo invitamos a visitar la sucursal de más cercana para gestionar su crédito y comenzar a disfrutar su nuevo vehículo. Imprima este Voucher y entréguelo al Ejecutivo de Financiamiento del punto de venta elegido.

    En atención a la información proporcionada, se necesitan antecedentes adicionales. Lo invitamos a visitar la sucursal de más cercana, a efectos de presentar una solicitud de crédito a través del ejecutivo AMICAR.*

    *El otorgamiento definitivo del crédito, está sujeto a las siguientes condiciones copulativas:

    • i) Previamente se verifiquen y aprueben los antecedentes del solicitante;
    • ii) Se cumplan cabalmente las políticas de riesgo del otorgante del crédito y
    • iii) Se emita la aprobación definitiva de la operación por parte de la entidad financiera, suscribiéndose la documentación de respaldo entregada por ésta.

    Disability Insurance Leads – Short Term – Long Term, disability insurance lead.

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    Disability Insurance Leads

    Would your agents welcome five more exclusive disability insurance leads every day? Whether you’re an insurance broker with a team of agents or an entrepreneurial agent seeking to reach a personal sales quota, your Direct Source, Inc. can provide you with a new source of fresh disability Insurance leads.

    No one likes to think about being unable to work due to Short or long-term disability. It’s hard enough to cope with disability without having to worry about paying bills or losing a home.

    Despite the advances in marketing in an Internet age, it’s still a challenge for the owners of insurance agencies and their agents to connect with consumers when they’re most receptive to buying disability insurance.

    Your Direct Source is among our nation’s most rapidly expanding live transfer lead firms for targeted, pre-screened disability insurance leads. We’re growing because we deliver Real Prospects, Real Time, with Real Results to our insurance clients. If you’d like to see what more disability insurance leads could do for your income, call 1-888-493-7462 today!

    Whether you’re an agent or broker, Your Direct Source, Inc.’s live lead broadcasting can help you reach countless prospects quickly at an unbeatable price.

    Skilled scriptwriters, seasoned voice talent, and state-of-the-art recording studios help us target marketing messages that resonate with employees and attract quality live leads for your disability insurance offer.

    Add live transfer to connect insurance leads to your licensed agents in real time, and you can see why our marketing programs deliver moneymaking disability insurance leads.

    Your Direct Source, Inc. gives your most experienced disability insurance agents a chance to reach disability insurance shoppers when they are in a buying mood: when they’ve heard a commercial for your offer and signaled their willingness to speak to an agent. Is there any better time to speak with an insurance lead?

    We ask you to consider the many ways that Your Direct Source, Inc. disability insurance leads trump paper leads from other companies:

    • Leads 100% Generated By Your Direct Source Inc. – We don’t take the word of third parties when we guarantee you exclusive live transfer disability insurance leads. All our leads are generated in-house.
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    • Real Time Lead Tracking – It shouldn’t be hard to keep up with how your live lead tracking disability insurance campaign is progressing. With us, it won’t be. We give you intuitive tools. From any Internet connected PC, you can manage your campaign easily. Need to know how many leads you received today? Need a look at the data since your live transfer disability insurance marketing effort began? Real time tracking makes it easy to obtain accurate data.
    • Disability Insurance Leads Delivered at Your Pace – We can deliver as many live transfer leads as you need to keep your best agents productive during their peak sales time.
    • Real Exclusive Disability Insurance Leads – Stale leads are as welcome to salespeople as yesterday’s coffee. Live leads come to one agency and one agent, so they offer a level of exclusivity that is difficult to obtain from a paper lead.
    • STD and LTD Leads Delivered Now – With other lead programs, it can take weeks for a media buy and even longer before a single inquiry. A live lead transfer program from Your Direct Source, Inc. starts the phones ringing immediately.
    • A Targeted Lead Generation Approach – Live lead transfer allows you to target your prospect by filtering the call list and by polishing the audio message motivating the targeted prospects to transfer live to your disability insurance agents.

    Closing more business requires efficient spending of your prospecting budget. Use the latest and most effective way to move the best leads toward becoming next year’s renewing disability insurance policyholders. To see how Your Direct Source, Inc. can help you obtain better leads, call 1-888-493-7462 and ask for a DI lead specialist!

    Linear, l – assicurazione online del Gruppo Unipol, dal 1996 – Chi siamo, assicurazioni telefoniche.

    #Assicurazioni #telefoniche

    Assicurazioni telefoniche

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

    Preventivo LinearNext

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

    1. Home
    2. Chi siamo

    Chi Siamo

    Indice dei contenuti

    1. Linear Assicurazioni

    Linear è la compagnia online di Unipol Gruppo S.p.A., attiva dal 1996, specializzata nell’offerta di prodotti assicurativi: online e al telefono con un servizio di qualità e dal prezzo fortemente competitivo.

    Linear propone tariffe altamente personalizzate, calibrate sulle molteplici caratteristiche dell’assicurato e del suo veicolo. Linear offre coperture assicurative complete e senza sorprese. A questo si aggiunge un servizio che non si avvale soltanto delle tecnologie più moderne, ma soprattutto dell’impegno, dell’entusiasmo e della professionalità di chi considera ogni cliente come il proprio patrimonio più importante.

    2. Sede e Direzione

    Compagnia Assicuratrice Linear S.p.A.

    Sede e Direzione Generale: Via Larga 8 – 40138 Bologna

    Fax 051 70 96 926

    Capitale Sociale i.v. Euro 19.300.000

    Registro delle imprese di Bologna, Codice fiscale e Partita IVA 04260280377 – R.E.A. n.362005

    Società unipersonale soggetta all’attività di direzione e coordinamento di Unipol Gruppo S.p.A. iscritta all’Albo imprese di Assicurazione e riassicurazione Sez. I al n. 1.00122 e facente parte del Gruppo Assicurativo Unipol iscritto all’Albo dei gruppi assicurativi al n. 046.

    Consultando tale albo è possibile verificare la regolarità dell’autorizzazione all’esercizio dell’attività.

    Autorizzata all’esercizio delle Assicurazioni con Provvedimento IVASS 18/06/1996 (G.U. 28/06/1996 – n. 150)

    L’impresa è inoltre soggetta al controllo dell’IVASS.

    Altre informazioni utili

    Le assicurazioni
    Informazioni utili
    Ci trovi anche su

    Attestato di rischio

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

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


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

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


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

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

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

    Kinocharts 2009, Kino Top 150, dvd charts deutschland.

    #Dvd #charts #deutschland

    Kinocharts 2009, Kino Top 150

    Die besten Filme 2009 in den Kinocharts in Deutschland

    Kinocharts 2009, 14. Woche 2010, nach Besucherzahlen – Plätze 1 – 25

    • Kinocharts
    • Die besten Filme aller Zeiten
    • DVD, Blu-ray, Filme, Soundtrack
    • DVD Neuheiten

    Neu auf DVD, Blu-ray

    + DVD Top 100 + Blu-ray

    • Kinocharts
    • Die besten Filme aller Zeiten
    • DVD, Blu-ray, Filme, Soundtrack
    • DVD Neuheiten

    Neu auf DVD, Blu-ray

    + DVD Top 100 + Blu-ray

    Kinocharts 2009 – Kino Top 150

    Die besten Filme 2009 in unseren Kinocharts 2009.

    Aktuell 150 Kinofilme. Mehr als eine Kino Top 100.

    Die Plätze 1 – 25 finden Sie unten.

    Filminfos mit DVD und Blu-ray über verlinkten Filmtitel oder Poster.

    Alle Angaben ohne Gewähr.

    Quellenangaben und Hinweise zum Copyright im Impressum.

    12. Woche 2010 – Plätze 1 – 150

    Zuwachs Kinobesucher der gesamten Woche von Montag bis Sonntag innerhalb des Zeitraums 29.03. – 11.04.2010

    Dvd charts deutschland

    Dvd charts deutschland

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    Filme ab 100.000 Besucher in den Kinocharts 2009

    12. Woche 2010 – Plätze 1 – 150

    + 250.000 Besucherzahlen der gesamten Woche von Montag bis Sonntag (inkl. Previews)


    Kinofilm war in der Vorwoche/in den Vorwochen unter 100.000 Besucher insgesamt

    Besucherzahlen der Vorwoche(n) lagen nicht vor – eine Berechnung war nicht möglich

    Alle Angaben ohne Gewähr. Änderungen vorbehalten.

    Salvador Artesano, zapatos elche.

    #Zapatos #elche

    zapatos elche

    Wisconsin, Esther Méndez, Dimo, Salvador Artesano, Domenico Pedone son marcas propias de fabricación nacional.

    Las mejores marcas

    Tenemos a tu disposición las marcas Xti, Mustang, Diesel, Puma, Geox, Kangaroos, Nike, Skechers y muchas más.

    Tallas grandes

    Somos especialistas en tallas grandes. Disponemos de amplia variedad de calzado tanto de hombre como de mujer.

    Tiendas Destacadas

    Zapatos elche


    Calle Ramón y Cajal , 41 Planta Baja – Local 4 CP: 03203 Elche Parque Empresarial – Torrellano (Alicante) Teléfono: 965 30 94 13 Junto a Ale – Hop Al lado de: Kelme Outlet

    Zapatos elche


    Paseo Marítimo de la Carihuela, 85. CP: 29620 La Carihuela – Torremolinos (Málaga) Teléfono: 951.90.40.16 Junto a Ale – Hop En frente de: Playa Manolo Torremolinos Málaga

    Zapatos elche


    Salvador Artesano Benalmádena (Puerto Marina) Avda Puerto Deportivo – C/Fragata, S/N (local 1) Teléfono: 951 57 10 54 CP: 29630 Benalmádena (Málaga)

    Últimos post en el blog


    dic 04, 2017 / No Comments

    Para desempleados, familias numerosas, jubilados y discapacitados: Solo tienes que presentar documentación que lo verifique y podrás b …

    Colaboración con la ONG Ayuda a Personas Refugiadas Sirias de Elche

    may 23, 2016 / No Comments

    Colaboramos con la ONG Ayuda a Personas Refugiadas Sirias de Elche con una donación de calzado para enviar al campo de refugiados de …

    Colaboradores de Oxizonia, apadrina un bosque.

    may 23, 2016 / No Comments

    Somos colaboradores de Oxizonia. Os presentamos el proyecto en un pequeño dossier: Dossier Oxizonia Salvador Artesano

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    Family Law Attorney

    #injury #lawyers #salt #lake #city


    Utah’s Premier Law Firm

    Utah’s Premier Law Firm for Family Law, Bankruptcy, Civil Litigation, and Criminal Law

    Arnold, Wadsworth Coggins Attorneys is one of the most prestigious law firms in Utah. Our reputation is fostered by successfully representing thousands of clients across the state in the areas of bankruptcy. criminal law. family law and civil litigation. Our team is comprised of skilled attorneys with extensive experience and track records for getting results. For this reason, when you contact us, you’ll be immediately directed to the attorney who is most knowledgeable of your matter so you’ll receive superior value and a high degree of expertise to resolve your case. This also allows us to move your case along as swiftly as possible without wasting time, because we know that you may need to act by a certain deadline to prevent being penalized.

    Personal attention and individualized approach

    We know that your situation is unique and requires special attention to resolve. You can expect to be treated with respect and compassion, so that you won’t feel like you’re just a client — you’ll feel like you’re part of our family. We’ll fight for your rights in the same way we would fight for the rights of our closest loved ones, aggressively, effectively, and always with your best interests in mind. We’ll spend quality time with you to assess the individual needs of your case, from your first consultation right through to its resolution.

    Experienced, esteemed attorneys fighting for you

    Arnold, Wadsworth Coggins Attorneys has been consistently recognized as premier lawyers in the country. We have been honored with a number of distinguished awards, including The National Top 100 Trial Lawyers, 10 Best Lawyers – American Institute of DUI/DWI Attorneys™ and The National Top 40 Under 40 Advocates.

    Although we have extensive experience representing larger clients, we have always been committed to protecting the rights of people on a smaller scale, making a positive and direct impact from the ground up. This allows you to experience the excellence of seasoned legal professionals with an impressive track record of obtaining favorable verdicts and settlements for our clients.

    Talk to us now to find out what can be done to make your situation better. Don’t wait until it’s too late.

    Contact us now at (801) 903-2616 . You’ll be able to talk to an experienced attorney about your case in a free 30 minute case evaluation.

    Family Law and Divorce

    When it comes to family law and divorce matters, our lawyers take into account how difficult your situation may be right now. We fight aggressively for your rights in litigation, but we will always treat you with compassion and sensitivity — in the same way we would treat our own family members. In fact, the support we provide to our clients is so heartfelt that most remain in contact with us for years after their case has been favorably resolved.

    Voted as a Top Family Law Attorney

    The American Institute of Family Law Attorneys™ has selected us for two years in a row as one of the best lawyers in the country based on Client Satisfaction. This award is based on our commitment to fulfilling the needs of our clients and helping them get through one of the most stressful situations of their life.

    Don’t Wait to Protect Your Family

    If you are seeking legal help on divorce, divorce modification, child support, or child custody, don’t delay in contacting us. The sooner you call us, the sooner you can get things resolved for you and your kids. In some cases, you may only have a limited amount of time to act before it’s too late to defend yourself or get the resolution you want. We know how painful things are right now, and we want to resolve your issues as quickly as possible so you can rebuild your life and the precious bonds you have with your family.

    I can t speak highly enough of the guys at Arnold and Wadsworth. They are currently handling a civil case for me and their professionalism a…

    Matt was part of the team at Arnold Wadsworth that helped me with my divorce. It was good to have a team of attorneys and not get double…

    Your relationship with your attorney can be an important factor in your case. Matt sought diligently to understand what was important to me …

    Great experience with Mr. Arnold helping me with a domestic violence charge and divorce in the Salt Lake City Courts. I felt like he really …

    The law firm of Arnold Wadsworth really helped me with some business legal issues. I appreciate their work.

    Matt is fabulous. My case has been incredibly difficult with a lot of bull from the other side. Matt has given me realistic expectations fro…

    I went through a divorce and Brian really helped me. Brian was able to help and return phone calls. He was aggressive and advised me of my r…

    Brian helped me with my divorce and he is AMAZING. I am very happy with how he represented me and he is just an incredible guy! I ve worked…

    Having to file bankruptcy is a difficult position to be in, but from the consultation on Matt, and his team, were professional and supportiv…

    Matt made me feel like I knew everything about my case. I have felt like at the end of the day, my lawyer was more interested in lining thei…

    Accelerated Degree Completion Programs

    #academic #degree #programs,accelerated #degree #completion #programs



    Building Futures Since 1988

    There are many factors and reasons that make achieving an associate’s or bachelor’s degree in the years directly following high school difficult for some people. These reasons can include finances, obligations to family, scheduling, and many others.

    Fortunately, UB provides flexible and convenient options available for students who wish to finish their education.

    What makes our program different?

    Designed to meet the needs of adults ages 23 and older, we provide a unique opportunity to complete your associate’s or bachelor’s degree in a way that allows you to balance your educational pursuits with your commitments to family, work and community.

    You can choose from various courses that fit your schedule and even participate in online accredited courses if you are not able to attend on-site classes.

    Why choose UB?

    • Accredited by the New England Association of Schools and Colleges
    • Online, Evening and Weekend Classes
    • Small Classes to Foster Interaction and Peer-Group Learning
    • Multiple Start Terms a Year
    • Flexible Transfer Policy Awards Credit for Life/Work Experience
    • Knowledgeable and Accessible Academic Advisors
    • Responsive and Adaptive Faculty
    • Great Adult Education Programs
    • Finally Complete Your Degree

    Some people can become discouraged after years have passed—feeling that it is too late for them to earn a degree. If you feel that way, we are here to prove to you that you can continue your education and you do have an opportunity still available to you.

    Your future can take a turn for the better with the University of Bridgeport. We are accredited by the New England Association for Schools and Colleges and may be able to help you onto an accelerated track to achieve your educational aspirations.

    We offer degrees in:

    Come celebrate UB’s new month-long Summer Scholars program!

    Summer Scholars and their faculty mentors will showcase their research and celebrate scholarship at the undergraduate level. UB alumnus Adam Pèrez, Ph.D. (’10) will join the Symposium as keynote speaker.

    Keynote Speaker: Adam Pérez, Ph.D.

    Dr. Pérez obtained his B.Sc. in Biology, with a minor in Chemistry, from the University of Bridgeport in 2010 and then went on to obtain his Ph. D. in Biochemistry, Microbiology and Molecular Biology at The Pennsylvania State University. Dr. Pérez is passionate about science outreach and communication and has participated in numerous programs, including the ConnCAP Pre-Engineering program and the NSF GK-12 fellowship. Currently, he is a postdoctoral researcher at the University of Louisville working in the Dr. John P. Wise Laboratory of Genetic and Environmental Toxicology. In January 2018, he will be starting a Marie Skłodowska-Curie Fellowship at the startup company Photanol B. V. and the Universiteit van Amsterdam.

    What is the Summer Scholars Program?

    The Summer Scholars Program was launched this year with a team of faculty who are committed to enculturate interested students into the research experience within their discipline of interest. In addition, these Summer Scholars are attending weekly workshops by UB faculty, staff, and community partners, participating in journal clubs to enhance critical thinking and analytic skills, attending Research in Progress (RIP) meetings led by UB biomedical and biobehavioral faculty, and participating in an academic and professional development series on planning a research career, graduate school admissions, and other topics of interest.

    Participants include:

    School of Arts and Sciences

    Funding a Buy-Sell Agreement with Life Insurance – 360 Degrees of Financial Literacy

    #buy #sell #life #insurance


    Funding a Buy-Sell Agreement with Life Insurance

    As a partner or co-owner (private shareholder) of a business, you’ve spent years building a valuable financial interest in your company. You may have considered setting up a buy-sell agreement to ensure your surviving family a smooth sale of your business interest and are looking into funding methods. One of the first methods you should consider is life insurance. The life insurance that funds your buy-sell agreement will create a sum of money at your death that will be used to pay your family or your estate the full value of your ownership interest.

    How funding with life insurance works

    When using life insurance with a buy-sell agreement, either the company or the individual co-owners buy life insurance policies on the lives of each co-owner (but not on themselves). If you were to die, the policyowners (the company or co-owners) receive the death benefits from the policies on your life. That money is paid to your surviving family members as payment for your interest in the business. If all goes well, your family gets a sum of cash they can use to help sustain them after your death, and the company has ensured its continuity.

    Advantages of using life insurance

    • Life insurance creates a lump sum of cash to fund the buy-sell agreement at death
    • Life insurance proceeds are usually paid quickly after your death, ensuring that the buy-sell transaction can be settled quickly
    • Life insurance proceeds are generally income tax free; a C corporation may be subject to the alternative minimum tax (AMT)
    • If sufficient cash values have built up within the policies, the funds can be accessed to purchase your business interest following your retirement or disability

    Disadvantages of using life insurance

    • Life insurance premiums are paid with after-tax dollars because the premiums are generally not a tax-deductible expense
    • Premium requirements are an ongoing expense
    • One or more co-owners may be uninsurable due to age or illness
    • If the co-owners’ ages vary widely, younger co-owners will have to pay higher premiums on the lives of the older co-owners
    • If the ownership percentages vary widely, more insurance will be needed to cover the owners with the larger ownership interests, resulting in higher premium costs for those with smaller ownership interests

    How to set up different types of buy-sell agreements

    In an entity purchase buy-sell agreement, the business itself buys separate life insurance policies on the lives of each of the co-owners. The business usually pays the annual premiums and is the owner and beneficiary of the policies.

    In a cross purchase buy-sell agreement, each co-owner buys a life insurance policy on each of the other co-owners. Each co-owner usually pays the annual premiums on the policies they own and are the beneficiaries of the policies. If your company has a large number of co-owners, multiple policies must be purchased by each co-owner.

    A wait and see (or hybrid) buy-sell agreement allows you to combine features from both the entity purchase and cross purchase models. The business can buy policies on each co-owner, the individual co-owners can buy policies on each other, or a mixture of both methods can be used.

    The buy-sell agreement should be fully funded

    The amount of insurance coverage on your life should equal the value of your ownership interest. Then, when you die, there will be enough cash from the policy proceeds to pay your family or estate in full for your share of the business. But if all that is affordable is insurance coverage for a portion of your interest, you might want to go ahead and fund that amount. Later, the company may be able to increase the amount of insurance or use additional funding methods. In the meantime, the agreement should specify how your family or estate will be paid.

    The value of the business could change over time

    What if the insurance proceeds turn out to be less than the value of your business interest, due to growth in the business? Your surviving family members might end up getting less than full value for your business interest. Your buy-sell agreement should specify how the valuation difference will be handled.

    Conversely, the insurance proceeds might be greater than the value of your business interest when you die. Your buy-sell agreement should address this potential situation upfront and specify whether the excess funds will belong to the business, the surviving co-owners, or your family or estate.

    Should group life insurance be used?

    Using a company’s group life insurance plan to fund a buy-sell agreement is generally not recommended. Normally, group life insurance premiums are tax deductible to the company. But premiums are no longer deductible if the business is the beneficiary.

    Possible negative tax consequences

    • For policies issued after August 16, 2006, the death benefits of life insurance on the life of an employee payable to the employer/policy owner may be subject to income taxes unless an exception applies.
    • Assume your business is a corporation or is taxed as one. When one of your co-owners dies, his or her estate becomes the owner of the insurance policies covering you and the other co-owners of the business in a cross purchase agreement. If these policies are then transferred to the surviving co-owners to pay for future buyouts, a transfer-for-value (gain) may occur, and a portion of the proceeds received from the transferred policies may be taxable.
    • If a policy is canceled (surrendered) for cash to buy out your interest while you are living, any gain on the policy is subject to federal income tax for the policyowner. Gain includes all policy loans outstanding at the time of surrender. Also, the policy may carry surrender charges.
    • The proceeds received by a C corporation under an entity purchase agreement may be subject to the AMT.

    Keeping track of your buy-sell agreement

    Each year, the premiums on the policies must be paid, or the insurance will lapse. So monitor premium payments carefully. Your buy-sell agreement should include a feature requiring ongoing proof of payment. Also, review the amount of insurance regularly. The insurance coverage may have to be increased periodically to reflect increases in the value of the business. If additional insurance is not possible, another funding method should be established. Finally, periodically check the financial rating of your insurance company. The policies funding your buy-sell agreement will do your family no good if the insurer becomes insolvent.

    Southern Mississippi Nursing Program

    #ole #miss #nursing #program


    Bachelor of Science in Nursing (BSN)

    The bachelor program of study offers a curriculum based upon courses in the liberal arts and sciences and culminating in upper division nursing courses. The BSN program of study consists of 59 credit hours of non-nursing prerequisite courses and 69 credit hours of upper division nursing courses for a total of 128 credits. The purpose of the baccalaureate program is to prepare the graduate for entry level positions in a variety of health care services. The baccalaureate program of study provides the foundation for graduate study in nursing.

    The University of Southern Mississippi College of Nursing Program is accredited by the Commission on Collegiate Nursing Education (CCNE ) and approved by the Board of Trustees of State Institutions of Higher Learning (IHL ).


    The Kaplan Admissions Test is Now Required for Admission into the BSN Program

      • Successful admission to Southern Miss as an undergraduate and to the Nursing Program
      • A minimum national composite ACT of 21 or above
      • Kaplan Nursing Admission (BSN only)
      • A GPA of at least 2.5 or above on a 4.0 scale in non-nursing prerequisite courses and at least a 2.0 in each course
      • Three of the five required science prerequisite courses completed at the time of application
      • Only one required science course may be repeated, one time
      • All prerequisite courses completed before nursing classes are begun
      • Proof of current CPR certification, physical exam, immunizations (MMR, Tetanus, Hepatitis B), varicella vaccine or titer, and TB skin test
      • Must be in good academic standing at Southern Miss (cannot be on probation, probation continued, or suspension).
      • Applicants transferring from another school of nursing must provide a letter from the dean/director of that school stating that he/she is in good standing and eligible for progression in that program.
      • The Nursing program requires clinical experiences. Clinical experiences generally require a criminal background check. A felony conviction may disqualify a student from the clinical experience, thereby making the student unable to complete the degree. For additional information, contact the College of Nursing.

    Application Deadline for the BSN programs is

    February 1 for Fall Admission

    September 1 for Spring Admission

    For more information about undergraduate programs contact:

    Politecnico di Bari, de remi facemmo ali, 24 ore borsa on line.

    #24 #ore #borsa #on #line

    24 ore borsa on line


    Domanda per assegni di ricerca

    Registration for the ALERT Olek Zienkiewicz Course 2018

    Sono aperte le iscrizione per l’ammissione al Corso di formazione per lo sviluppo di competenze trasversali (IV CICLO) POLIBA SOFT SKILL – TRAINING ACADEMY

    Corso di formazione per lo sviluppo di competenze trasversali

    Il Politecnico di Bari nell’ambito del Progetto “POLIBA4PLACE” finanziato dal FSE attraverso l’Avviso Pubblico Regionale n. 09/2016 “Azioni di potenziamento dei servizi di orientamento erogati dalle Università pugliesi”, ha attivato un corso di formazione “Poliba Soft Skill – Training Academy” per lo sviluppo delle competenze trasversali, rivolto agli studenti, dottorandi e laureati del Politecnico di Bari.

    Le Università Italiane per la Città Sostenibile

    Workshop “L’impegno delle Università italiane per la cittas sostenibile

    BARI, 29 GIUGNO 2018

    Aula Videoconferenze – Politecnico di Bari , Via Amendola 126/b

    CdLM Industrial Design

    Ciclo di seminari didattici – Attività #2 – Il Senso delle cose tra codici di linguaggio e significato culturale

    Aula Magna “Domus Sapientiae – Martedì 17 aprile ore 9.30

    Borsa di studio per intraprendenti

    Ottieni una borsa di studio del valore di € 3.600 con la tua mentalità forte e competitiva. Candidati per la “Borsa di studio per intraprendenti” con un breve testo o video e realizza le tue idee.

    Se non trovi convincente questa proposta, troverai altre 12.300 borse di studio qui!

    Centro Tecnologico per la Fabbricazione Digitale “FabLab Poliba"

    Sabato 21 aprile 2018, alle ore 11, sarà inaugurato il nuovo Centro Tecnologico per la Fabbricazione Digitale “FabLab Poliba”, che avrà sede a Bitonto in via delle Nazioni (zona artigianale).

    Cogestito dal Politecnico di Bari con il Comune di Bitonto, il FabLab PoliBa sarà punto di riferimento per l’intera comunità dell’area metropolitana sui temi dell’avanzamento tecnologico interdisciplinare nei settori della formazione e della ricerca, rivolgendosi al mondo della scuola, dell’università e dell’impresa.

    Nachbar in Not, hilfsorganisationen.


    NACHBAR IN NOT – Fl chtlingshilfe Syrien

    Der Konflikt in Syrien erreicht sein sechstes Jahr. Es ist die gr te und komplexeste humanit re Krise in der Welt.

    Der ORF und die Stiftung NACHBAR IN NOT bitten erneut um Spenden.



    Informationen zur Spendenabsetzbarkeit ab 1.1.2017

    Spendenabsetzbarkeit ab 1.1.2017- einfach automatisch mit Angabe Ihres Namens und Ihres Geburtsdatums!


    Bisher 1 Million Euro Spenden f r NACHBAR IN NOT-Hilfe in Afrika

    Knapp 4 Wochen nach Start der Aktion haben die sterreicher bisher mehr als 1 Million Euro gespendet, um hungernden Menschen in Afrika zu helfen


    Ein Vierteljahrhundert weltweite Hilfe durch ORF-Aktion NACHBAR IN NOT

    Bundespr sident Van der Bellen empfing ORF, Hilfsorganisationen und diplomatische Vertreter in der Hofburg. Zum 25. Jubil um der ORF-Aktion NACHBAR IN NOT fand ein international besuchter Empfang beim Bundespr sidenten und Schirmherren der Hilfsaktion, Prof. Dr. Alexander Van der Bellen, statt.


    NACHBAR IN NOT – Fl chtlingshilfe Syrien

    Der Konflikt in Syrien erreicht sein sechstes Jahr. Es ist die gr te und komplexeste humanit re Krise in der Welt.

    Der ORF und die Stiftung NACHBAR IN NOT bitten erneut um Spenden.


    ORF und NACHBAR IN NOT starteten Hilfsaktion f r hungernde Menschen in Afrika

    D rre, Wassermangel, Lebensmittelknappheit: Angesichts der Krise in Afrika und im Jemen ist die Verst rkung der humanit ren Hilfeleistung dringend notwendig


    NACHBAR IN NOT – Syrien: 5 Jahre Menschen auf der Flucht

    F nf Jahre Krieg in Syrien: ORF und NACHBAR IN NOT bitten um Spenden, um das Leid der Menschen zu lindern. Der Krieg in Syrien j hrt sich zum f nften Mal und Millionen Menschen, in Syrien und im Mittelmeerraum, brauchen dringend humanit re Hilfe.


    ORF und NACHBAR IN NOT bittet weiterhin um Spenden f r Winterhilfe in Syrien und Irak

    Der B rgerkrieg in Syrien h lt weiter an und hat ein unvorstellbares Ausma angenommen. 13,5 Millionen Menschen ben tigen humanit re Hilfe, darunter 6 Millionen Kinder.

    Hilfe für krebskranke Kinder Vechta e, für kinder spenden.

    #Für #kinder #spenden

    für kinder spenden

    • Für kinder spenden

    Wir fördern optimale Heilungschancen und die sozialen Belange rund um die Therapie.

  • Für kinder spenden

  • Für kinder spenden

    Das ist eine sehr gute Idee. Wir freuen uns über jede Spende und Mithilfe.

    Sie suchen Hilfe

    wir helfen

    Sie wollen helfen

    Ihre Spende
    hilft sofort

    Sie wollen Infos

    wir zeigen
    was wir tun

    Unsere Hilfe

    Der Verein “Hilfe für krebskranke Kinder – Vechta” – kurz HfkKV – unterstützt Kinder und deren Familien bei Krebserkrankungen.

    Durch einen engen Kontakt zum Krankenhaus Vechta und durch die Spenden-Unterstützung

    weiter Teile der Bevölkerung unterstützt der Verein die Betroffenen.

    Wir helfen ALLEN Kindern

    Für kinder spenden


    Wir betreuen die betroffenen Kinder in Ihren Familien und helfen, wo es geht.

    Für kinder spenden


    Wir unterstützen bedürftige Familien, die Eltern und die Geschwisterkinder.

    Für kinder spenden

    Wir bringen Freude

    Unsere Aktionen vermitteln Lebensfreude und geben Kraft zum Durchatmen.

    Für kinder spenden

    Wir schaffen Kontakte

    Ein Gespräch unter ähnlich betroffenen Kindern und Eltern, ist eine große Hilfe. Wir bringen die Familien und die Kinder zusammen.

    Für kinder spenden


    Wir unterstützen die Eltern und die Kinder bei ihren Arztbesuchen oder den notwendigen Aufenthalten im Krankenhaus.

    Für kinder spenden

    Ihr schafft das

    Wir fördern das positive Handeln und Denken der Betroffenen. Lebensfreude ist eine große Hilfe, Krankheit zu überwinden.

    Unsere Freude

    Es macht uns viel Freude helfen zu können und täglich zu sehen, wie unsere Hilfe ankommt.

    Aktionen die uns helfen

    11.03.2018 Familienbrunch

    Für kinder spenden

    Spende junger Familien und der Hebamme Marion Espelage

    Für kinder spenden

    Werde Mitglied

    Wenn Sie helfen möchten, laden wir Sie herzlich zu einer Mitgliedschaft in unserem Verein ein. Ob als passives Mitglied oder als aktiver Helfer. Jeder ist herzlich willkommen.

    Werde Mitglied

    Wenn Sie helfen möchten, laden wir Sie herzlich zu einer Mitgliedschaft in unserem Verein ein. Ob als passives Mitglied oder als aktiver Helfer. Jeder ist herzlich willkommen.

    Werde Mitglied

    Wenn Sie helfen möchten, laden wir Sie herzlich zu einer Mitgliedschaft in unserem Verein ein. Ob als passives Mitglied oder als aktiver Helfer. Jeder ist herzlich willkommen.

    Dies ist eine Internetseite des Vereins

    Hilfe für krebskranke Kinder – Vechta.

    Alle Angaben auf dieser Internetseite sind nach

    bestem Wissen recherchiert und erstellt.

    Dennoch können wir die Richtigkeit der Angaben

    nicht garantieren. Auch uns unterlaufen Fehler

    und auch die Quellen unserer Recherchen können

    Wir übernehmen keinerlei Garantie für Angaben auf

    dieser Internetseite. In diesem Zusammenhang verweisen

    wir auch auf unsere Rubrik “impressum” mit weiteren

  • Gabetti immobiliare, gabetti immobiliare.

    #Gabetti #immobiliare

    Gabetti immobiliare

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    Art. 7 D. Lgs. 196/2003

    1. L’interessato ha diritto di ottenere la conferma dell’esistenza o meno di dati personali che lo riguardano, anche se non ancora registrati, e la loro comunicazione in forma intelligibile.

    2. L’interessato ha diritto di ottenere l’indicazione:

    a) dell’origine dei dati personali;

    b) delle finalità e modalità del trattamento;

    c) della logica applicata in caso di trattamento effettuato con l’ausilio di strumenti elettronici;

    d) degli estremi identificativi del titolare, dei responsabili e del rappresentante designato ai sensi dell’articolo 5, comma 2;

    e) dei soggetti o delle categorie di soggetti ai quali i dati personali possono essere comunicati o che possono venirne a conoscenza in qualità di rappresentante designato nel territorio dello Stato, di responsabili o incaricati.

    3. L’interessato ha diritto di ottenere:

    a) l’aggiornamento, la rettificazione ovvero, quando vi ha interesse, l’integrazione dei dati;

    b) la cancellazione, la trasformazione in forma anonima o il blocco dei dati trattati in violazione di legge, compresi quelli di cui non è necessaria la conservazione in relazione agli scopi per i quali i dati sono stati raccolti o successivamente trattati;

    c) l’attestazione che le operazioni di cui alle lettere a) e b) sono state portate a conoscenza, anche per quanto riguarda il loro contenuto, di coloro ai quali i dati sono stati comunicati o diffusi, eccettuato il caso in cui tale adempimento si rivela impossibile o comporta un impiego di mezzi manifestamente sproporzionato rispetto al diritto tutelato.

    4. L’interessato ha diritto di opporsi, in tutto o in parte:

    a) per motivi legittimi al trattamento dei dati personali che lo riguardano, ancorché pertinenti allo scopo della raccolta;

    b) al trattamento di dati personali che lo riguardano a fini di invio di materiale pubblicitario o di vendita diretta o per il compimento di ricerche di mercato o di comunicazione commerciale.

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    Besser leihen statt kaufen, tipi verleih.

    #Tipi #verleih



    Tipi verleih Tipi verleih Tipi verleih

    Tipi verleihTipi verleih

    • Tipi verleih
    Tipi Zelt CampFeuer

  • Tipi verleih

    Stichs ge Bosch

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  • Tipi verleih

    Kindertrage Vaude

  • Tipi verleih

    Beamer BenQ W700

  • Tipi verleih

    Federwiege Dondolo

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    Kindersitz R mer Kid +

  • Tipi verleih

    VW Bulli Zelt – gr n

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    Reisebett BabyBj rn

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    Tipi verleihWillkommen bei LifeThek

    LifeThek funktioniert wie eine Bibliothek für Dinge des täglichen Lebens, die jeder ausleihen kann. Hier könnt ihr z.B. Bollerwagen, Schlitten und Zelte mieten, ihr findet Kindersitze, Spielzeug, Kinder-Ausstattung und Fahrradanhänger im Verleih. Aber auch technische Dinge wie Werkzeuge, Beamer oder Kameras.

    Leihen statt kaufen, das ist unser Motto. Denn es macht Sinn, Dinge die man nur zeitweise benötigt, einfach zu leihen.

    LifeThek ermöglicht grünen Konsum und steht für nachhaltiges privates Handeln. LifeThek schont Ressourcen, denn bezahlt wird nur der Nutzen eines Produktes und nicht mehr dessen Besitz und Wertverlust.

    LifeThek ist die neue Leihbörse im Internet.

    Tipi verleihKontakt zu uns

    Sie haben Fragen zu LifeThek oder unseren Produkten? Sie haben Vorschläge oder möchten mit uns zusammen arbeiten?

    Wir beraten Sie gerne telefonisch unter 040 – 31 99 22 09 oder schreiben Sie uns eine Email an [email protected]

    Tipi verleihSo einfach geht das

    Die neue Social Library für grünen Lifestyle.

    Im Verleih: über 500 Podukte, die man sinnvoll leihen kann, die Spaß machen, Geld sparen und die Umwelt schonen.

    1. Produkt auswählen und auf Tagesbasis den Mietpreis berechnen.

    2. Produkt per Post erhalten oder selbst bei LifeThek abholen.

    3. So lange nutzen, wie gewünscht. Bezahlt wird je Tag, einfach und fair.

    4. Produkt portofrei zurückschicken. Versicherung und Reinigung inkl.

    Tipi verleihIhre Vorteile

    + Nachhaltige Produkte, fair produziert und gehandelt

    + Faire Versandkosten: 9,90 € pro Bestellung (Hin und Rück)

    + Lieferung innerhalb von 1-2 Werktagen

    + einfache Rückgabe ohne Rücksendekosten

    + Datensicherheit und geprüfte Qualität

  • FORMATIONS PROFESSIONNELLES, formation de decoration interieure.

    #Formation #de #decoration #interieure


    Les formations en décoration d’intérieur et réhabilitation du patrimoine peuvent se suivre en continu ou en alternance. Les cours dans le domaine de la décoration intérieure et extérieure sont dispensés lors de formations longues (7 à 9 mois) ou courtes (de 2 jours à 6 semaines consécutives ou non). Les formations murs et sols utilisent des matériaux écologiques.

    Nos formations longues :

    Matiériste Coloriste en décor de sols (RNCP niveau IV)

    Matiériste Coloriste en décor mural (RNCP niveau IV)

    Peintre en décor (RNCP niveau V)

    Maçon bâti ancien (RNCP niveau V)

    Nos formations courtes

    • Module couleurs
    • Module chaux
    • Tadelakt
    • Module plâtre
    • Module terre
    • Espace peint
    • Sols décoratifs

    • chefs d’entreprise
    • artisans
    • salariés du bâtiment
    • artistes
    • architectes d’intérieur
    • décorateurs
    • designers
    • restaurateurs
    • demandeurs d’emploi
    • particuliers s’inscrivant dans un projet professionnel

    Nous contacter

    Ecole Européenne de l’Art et des Matières

    30 côte de l’Abattoir 81000 Albi – FRANCE

    Vous pouvez nous joindre par téléphone

    08h30 à 12h00 – 14h00 à 17h30

    du lundi au vendredi

    ©2013 – EEAM FAQ | Mentions légales | Contact | Accès | Plan du site | Liens utiles | Emploi du temps

    Die beste Versicherung finden, pkv versicherung.

    #Pkv #versicherung

    Die passende Kranken­versicherung finden

    Laut Gesetz muss in Deutschland jeder Mensch eine Krankenversicherung besitzen. Wer abhängig beschäftigt ist, meldet sich meist in einer der gesetzlichen Krankenkassen an. Wer bestimmte Einkommensgrenzen überschreitet, darf zwischen gesetzlicher Krankenkasse und privater Krankenversicherung wählen.

    Die Unterschiede zwischen den Tarifen der privaten Krankenversicherungen sind dabei größer als die Unterschiede zwischen einzelnen gesetzlichen Krankenkassen.

    Trotzdem kann sich auch bei letzteren ein Krankenkassenvergleich lohnen etwa um eine Kasse mit geringerem Zusatzbeitrag oder mit bestimmten Zusatzleistungen zu wählen.

    Die Besonderheiten der Privat Krankenversicherung Beamte Bei der Krankenversicherung Beamte gibt es die Besonderheit, d.

    Das Sparpotential bei Krankenversicherung Beamte Vergleich Der Krankenversicherung Beamte Vergleich bringt ans Tageslic.

    Beamten Krankenversicherung Die Beamten Krankenversicherung ist eine spezielle Form der Krankenversicherung, mit Spezia.

    Die Krankenversicherung für Studenten im Vergleich Nimmt man die Krankenversicherung Studenten im Vergleich etwas gena.

    Wir vergleichen für Sie

    Private gesetzliche Krankenversicherung

    Vergleich der verschiedenen Systeme

    Gesetzliche Krankenkassen

    Pkv versicherung

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    Vergleiche für spezielle Zielgruppen

    Krankenversicherung für Studenten

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    Interieur Deco: formation décorateur, Ecole des métiers de la décoration cours à distance, atelier, spécialiste de la décoration, formation decoration interieur en ligne.

    #Formation #decoration #interieur #en #ligne

    Nous formons aux métiers de :

    En utilisant les nouvelles technologies multimédia et de l’Internet, nous améliorons la qualité de l’apprentissage en facilitant l’accès à des ressources et des services riches en contenu, ainsi que les échanges et la communication à distance.

    Le système e-learning permet aux élèves de suivre nos programmes de formation à distance, en autoformation, accompagnés par un tuteur, de manière individuelle.

    Les contraintes de planning et d’organisation disparaissent. De ce fait, élèves et formateurs peuvent se concentrer sur le contenu de la formation.

    La réduction des coûts est également un gain majeur. Le e-learning offre une réduction conséquente du prix de formation en éliminant les frais et inconvénients d’une formation en salle (transport, hébergement, restauration), ou ceux d’une formation à distance classique (coût postal, documents perdus ou abîmés, retard de correction, etc.).

    La formation en ligne dite « e-learning » est l’utilisation des nouvelles technologies multimédias de l’Internet pour améliorer la qualité de l’apprentissage en facilitant d’une part l’accès à des ressources et à des services, d’autre part les échanges et la collaboration à distance.

    (Commission européenne, 2001).

    Nos atouts

    Un dispositif de formation à distance complet et performant

    Votre réussite anime toute notre équipe.

    Notre engagement : mettre en oeuvre de multiples moyens pour favoriser votre progression. Nous orientons votre travail personnel sur l’ensemble de votre parcours de formation grâce à un suivi régulier et des outils d’autoformation performants.

    Une méthode pédagogique efficace

    Les ressources en e-learning (cours, exercices théoriques et pratiques) sont diffusées et distribuées grâce à un planning intégré au dispositif de gestion de la formation, directement depuis notre plateforme e-learning.

    L’élève accède à son espace personnel grâce à son login et à son mot de passe. Dès lors, il accède au téléchargement des modules de cours et des exercices pratiques et théoriques, et peut ainsi commencer à suivre pas à pas le programme de formation.

    L’élève se retrouve au coeur d’un dispositif où il peut choisir son rythme de progression et la fréquence de ses sessions d’apprentissage, organisée par l’école au regard d’objectifs spécialement adaptés.

    Les exercices théoriques et pratiques sont envoyés à l’école et gérés avec un suivi personnalisé (temps de réponse, délai des rendus, notes, corrigés, commentaires et envoi de documents).

    L’élève a accès en permanence à ses données de suivi de formation. Il peut communiquer avec l’école à tout moment par mail et à travers diverses rubriques.

    Toutes les questions relatives aux cours sont envoyées par mail avec une réponse rapide du tuteur. Si un problème de compréhension persiste, un rendez-vous téléphonique est fixé.

    Nos modules de cours en e-learning proposent un système de formation très flexible. L’élève peut apprendre d’où il souhaite et quand il le désire. Il apprend sans se déplacer, avance à son rythme au cœur du dispositif et se sent responsable de ses résultats, puisqu’il fixe lui-même son emploi du temps. Le suivi de la formation est facilité, et accessible en temps réel grâce à de nombreux outils de gestion. L’accès au cours est illimité. L’exploitation des technologies en contexte d’apprentissage permet de dégager de véritables plus-values pédagogiques dont les conséquences, notamment organisationnelles, sociales et financières, rendent le potentiel de notre système éducatif particulièrement attractif en matière de formation professionnelle.

    Une périodicité d’évaluation

    L’élève travaille au coeur d’un programme fragmenté par cycle. Chaque cycle comprend un nombre de modules bien défini, accompagné de ses exercices à soumettre à la correction.

    A la fin du cycle, quand tous les exercices sont effectués, et si l’élève atteint la note minimum de 10/20, il accède au cycle suivant.

    Une fois tous les cycles de la formation achevés, l’élève soumet à l’école, pour l’obtention de son diplôme, un projet professionnel, synthèse de toutes les étapes de son apprentissage.

    Des outils performants

    Rédigés par des professionnels, tous nos cours sont des outils complets de formation comprenant :

    • des exposés, spécialement construits pour la formation à distance, avec des contenus théoriques et pratiques clairs, des exemples et des illustrations ;
    • des guides d’étude proposant une méthode de travail pour l’apprentissage du cours, ponctués d’exercices autocorrectifs et de travaux écrits, afin d’évaluer les connaissances acquises ;
    • un plan de formation permettant de visualiser l’organisation du programme de cours, les durées d’étude, l’échelonnement dans le temps des devoirs à réaliser (vous pouvez l’ajuster en fonction de vos propres contraintes, avec l’aide du responsable de votre formation) ; la plate-forme d’enseignement à distance sur Internet proposant un accès au cours, aux exercices, aux corrigés et aux ressources complémentaires (infos, glossaire, etc.).

    Des outils complémentaires sur la plate-forme

    Accès exclusif aux ressources de la formation : données, informations, documentation, news…

    Un suivi individualisé

    Par mail, téléphone ou lors des sessions d’apprentissage, l’équipe pédagogique est à votre écoute, quelle que soit votre demande : orientation, financement, dossier d’inscription, organisation de votre formation, point de cours à éclaircir.

    Lors du premier rendez-vous téléphonique, le responsable de formation vous donne les premières consignes de travail et d’organisation. Il répond à toutes vos questions.

    Une correspondance régulière avec vos formateurs-correcteurs, à l’occasion de l’envoi de vos travaux et de leurs corrections, vous permet d’exprimer vos difficultés et vos interrogations éventuelles. Vous évaluez ainsi, en continu, votre progression dans toutes les connaissances et capacités recherchées grâce au retour d’une correction individualisée.

    Cucine moderne e cucine classiche – DIOTTI A&F Arredamenti, cucine angolari componibili.

    #Cucine #angolari #componibili

    Cucine angolari componibili

    La produzione di cucine ha raggiunto una tale ampiezza di gamma e soluzioni che il cliente si trova a volte di fronte ad un panorama di scelte che anzichй facilitare la scelta della propria cucina crea invece la necessitа di rivolgersi ad un consulente d’arredo che aiuti nella scelta stessa.

    Al giorno d’oggi le cucine seguono i concetti di “incasso” e “scomparsa totale” che oltre ad offrire un alto livello di praticitа ed igiene hanno dato vita alla possibilitа di esprimere al meglio i vari stili senza rinunciare alla dotazione tecnologica e funzionale .

    E’ quindi necessaria un’analisi dei vari stili che possa far capire le differenze estetiche e tecniche esistenti.

    Le cucine moderne sono riconoscibili principalmente per due caratteristiche: il design ed i materiali. Questa tipologia di cucina infatti и la combinazione tra materiali e finiture sempre piщ diffusi come ad esempio il laminato, l’acciaio inox e la laccatura unite ad uno stile razionale, molto spesso caratterizzato da una spiccata linearitа, volto alla praticitа ed alla comoditа assoluta.

    La distinzione tra cucine moderne e cucine di design nasce poichи queste ultime sono l’evoluzione delle prime. Le cucine di design offrono soluzioni ed innovazioni di altissimo livello sia stilisticamente sia nell’aspetto della fruibilitа. Cucine come la Venus di Snaidero, che utilizza tecnologie come la domotica e soluzioni di montaggio di ultima generazione nelle quali non sono previste viti nella fase di montaggio. Non bisogna dimenticare poi lo stile di questa categoria di cucine; uno stile sempre piщ ricercato, a tratti “estremo”, che spesso reinterpreta il concetto di cucina.

    Nonostante la continua evoluzione stilistiche le cucine classiche mantengono ancora molti ammiratori che ne apprezzano le lavorazioni, soprattutto sulle ante, ed i materiali sicuramente ancora molto radicati nell’immaginario comune.

    Tra le tipologie di cucine che possiamo definire “di nicchia” i modelli country che rappresentano un vero e proprio “stile di vita” trovando non pochi “seguaci”. Queste cucine sono l’esempio dell’accuratezza e della complessitа delle lavorazioni: le ante tutte diverse tra loro, la presenza di muretti finemente intonacati, piastrellature e piani in pietre pregiate come il marmo o il Sasso del Piave, le laccature nelle colorazioni pastello. Le cucine country rappresentano un modo di vivere la cucina che sta al passo coi tempi ma che non vuole dimenticare la tradizione.

    Per analizzare in modo completo il mondo cucina и necessario scendere nel dettaglio: da un’analisi stilistica e funzionale piщ approfondita bisogna poi considerare l’aspetto dei materiali che possono influenzare notevolmente tutto l’ambiente fino ad arrivare all’aspetto tecnologico costituito dagli elettrodomestici che hanno cambiato il modo di pensare, progettare e vivere ogni singolo elemento della cucina contemporanea.

    La scelta del materiale puт influenzare notevolmente la resa estetica e funzionale in cucina a partire dalle ante che rappresentano il segno stilistico piщ evidente: le cucine componibili offrono un’incredibile varietа nella scelta dei materiali: laminato, laccato, legno, vetro e cristallo, metallo e addirittura materiali unici ed esclusivi come la lamina di pietra.

    Molto diffuse sono le cucine in laminato che puт essere colorato opaco, lucido od “effetto legno” ricreando efficacemente l’esperienza visiva ed a volte anche tattile del legno. Se da una parte и raro trovare collezioni in laminato con ampia scelta di colori, al tempo stesso fra i pregi del laminato in cucina troviamo un’elevata resistenza ed ovviamente un prezzo contenuto. Quello che a volte diventa un limite delle cucine in laminato и un pregio delle cucine laccate: l’ampiezza delle gamme di colori.

    Tre sono le finiture principali del laccato: opaco, lucido e metallizzato. Le differenze risiedono nella texture o nella lucentezza ma soprattutto nel prezzo.

    Svariate sono le essenze usate per le cucine in legno: noce, ciliegio, rovere, ebano, teak, larice,etc. Un discorso a parte meritano le ante in legno per le cucine classiche, rustiche e country: le ante in massello subiscono processi di lucidatura e di lieve anticatura che mirano proprio a far emergere i pregi del legno.

    I materiali che abbiamo citato sono strettamente legati allo stile delle ante, che caratterizzano l’estetica dell’intera cucina.

    L’anta liscia и la tipologia piщ diffusa e versatile: troviamo ante impiallacciate, laccate oppure in laminato, presenti in tutti i cataloghi di cucine.

    Diffusa soprattutto nelle cucine moderne troviamo l’anta dogata anche se non sono rare applicazioni nelle cucine country. La loro peculiaritа stilistica и sicuramente quella di dare “movimento” e creare un’atmosfera unica in cucina. Generalmente in legno laccato od in laminato, и prodotta anche in vetro laccato.

    Le ante senza maniglia permettono l’apertura grazie ad una gola, detta anche unghiatura. Puт essere orizzontale oppure verticale, ricavata sul bordo dell’anta come ad esempio nella cucina Horizon, oppure scavata all’interno dell’anta come nella cucina Zerocinque.

    Esistono infine cucine con ante curve, cucine moderne e sobrie che colpiscono per la morbidezza delle linee.

    Il maggior vantaggio delle cucine componibili и sicuramente la possibilitа di ottenere innumerevoli composizioni, adattabili a qualsiasi esigenza di spazio e di dotazione.

    Le cucine lineari sono le cucine piщ pratiche in quanto si sviluppano su una sola parete e sono facilmente inseribili in stanze strette o di ridotte dimensioni mantenendo una dotazione completa.

    Le cucine angolari sono adatte a spazi di grandezza media: si sviluppano su due pareti e la loro peculiaritа и sicuramente l’elemento angolare, che nonostante la sua particolare forma non ha limitazioni di utilizzo.

    Troviamo poi le cucine angolari con penisola che offrono una superficie aggiuntiva che и possibile attrezzare con lavello e piano cottura oppure destinare a zona snack. La sua conformazione necessita di ambienti di grandi dimensioni o di ambienti aperti che comprendono anche la zona living.

    Per chi dispone di ampi spazi e di esigenze di alto livello per quanto riguarda dotazione e superficie di lavoro sono disponibili cucine a ferro di cavallo, che si sviluppano su tre pareti. Queste cucine offrono moltissimo spazio per ospitare dotazioni complete di alto livello, per avere ampie superfici di lavoro e sono sicuramente connotate da un’ampia capacitа contenitiva.

    Christian Counseling Degree and Licensing Programs

    #christian #counseling #degrees #online, #christian #counseling #degree


    Pastoral Counseling Center
    Online Christian Counseling Degree Programs
    You shall know the truth and the truth shall set you free John 8:32
    Christian Counseling Certification Degree Programs
    BA MA PhD Christian Counseling Degrees
    Become An NCCA Certified Christian Counselor

    NCCA Christian Counseling Degrees and Christian Counseling Credentials

    There are seven suggested Christian Counseling degree and licensing programs outlined here. They range from a simple certification to a combination MA-PhD curriculum. Your educational history and your experience will affect your requirements. If you are unsure which program is right for you, complete an application and you will be advised which Christian counseling degree program is right for you. The goal is have you achieve your goals as efficiently as possible. You will not be required to duplicate coursework or study what you already have studied.

    Important: Christian Counseling Programs

    Below are brief descriptions of the various program offered. To learn more about a particular program, including the costs involved ,please follow the various blue underlined links.

    Program One.
    NCCA Christian Counseling Certification

    Program One provides NCCA certification as a Christian Counselor. This program is designed for ministers and other ordained clergy who primarily need training and an NCCA certification without additional degrees. This program is also popular with counselors who already have their Christian counseling degrees or other psychology, social work and mental health degrees. No new Christian counseling degree is conferred. Completion of Program 1 provides the following designations:

    • Certified Pastoral Counselor for person without a degree.
    • Christian / Pastoral Counselor for those who hold a Bachelors Degree
    • Clinical Christian / Pastoral Counselor for those holding a Master’s degree
    • Clinical Christian / Pastoral Counselor – Advanced Certification – for those holding a Doctorate

    Program Two.
    BA Christian Counseling Degree

    This popular program is designed for those without a Bachelor’s degree. This comprehensive program leads to the following Christian counseling degrees and certifications.:

    • Phase One:
      • NCCA Certified Temperament Counselor
      • NCCA Clinical Member certificate
    • Phase Two:
      • NCCA Christian / Pastoral Counselor certification
    • Phase Three
      • Clinical Pastoral Counselor certificate
      • Advanced Certification for specialty area(s) completed
      • Bachelor of Christian Counseling Degree

    Program Three:
    Christian Counseling Masters Degree

    Designed for persons holding a Bachelors degree, the success student will earn the following:

    • Phase One:
      • NCCA Certified Temperament Counselor certificate
      • NCCA Clinical Member certificate
    • Phase Two:
      • NCCA Christian / Pastoral Counselor authorization and certificate
    • Phase Three
      • NCCA Clinical Pastoral Counselor certificate
      • NCCA Advanced Certification for
        selected specialty area(s) completed
      • Clinical Christian Counseling Master of Arts Degree

    Program Four:
    Christian Counseling PhD Degree

    Designed for persons holding a Masters degree, successful students will earn the following certifications, licenses, and degrees:

    • Phase One:
      • Certified Temperament Counselor certificate
      • NCCA Clinical Member certificate
    • Phase Two:
      • NCCA Christian / Pastoral Counselor certification
    • Phase Three
      • NCCA Clinical Pastoral Counselor – Advanced Certification
      • Advanced Certification for selected specialty area(s) completed
      • Doctor of Clinical Christian Counseling Degree (PhD)

    Program Five:
    Christian Counseling MA Doctoral (PhD) Degrees

    Designed for persons holding a Bachelor’s degree:

    • Phase One:
      • NCCA Certified Temperament Counselor certificate
      • NCCA Membership certificate
    • Phase Two:
      • NCCA Christian / Pastoral Counselor – Advanced Certification
    • Phase Three
      • NCCA Clinical Pastoral Counselor certification
      • NCCA Advanced Certification for selected specialty areas completed
      • Christian Counseling Degree – Master’s (MA)
    • Phase Four
      • Doctor of Philosopy in Clinical Christian Counseling (PhD)

    Program Six:
    Christian Counseling Bachelor’s Masters Degrees

    Designed for persons holding a High School Diploma or GED:

    • Phase One:
      • NCCA Certified Temperament Counselor certificate
      • NCCA Membership certificate
    • Phase Two:
      • NCCA Christian / Pastoral Counselor –
    • Phase Three
      • NCCA Clinical Pastoral Counselor certification
      • NCCA Advanced Certification for selected specialty areas completed
      • Christian Counseling Degree – Bachelor’s (BA)
    • Phase Four
      • Master’s in Clinical Christian Counseling (PhD)

    Program Seven:
    Christian Counseling 2nd PhD Degree

    This no dissertation program is designed for persons holding an earned Doctorate (PhD) degree and provides the following certifications, licenses, and degrees:

    • Phase One:
      • Certified Temperament Counselor certificate
      • NCCA Clinical Member certificate
    • Phase Two:
      • NCCA Christian / Pastoral Counselor certification
    • Phase Three
      • NCCA Clinical Pastoral Counselor – Advanced Certification
      • Advanced Certification for selected specialty area(s) completed
      • Doctor of Philosophy in Clinical Christian Counseling Degree (PhD)

    Tulsa Personal Injury Lawyer and Car Accident Attorney

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    Это видео недоступно.

    Tulsa Personal Injury Lawyer and Car Accident Attorney

    Опубликовано: 26 окт. 2014 г.

    A Personal Injury Lawyer can judge the victim’s case in an impartial manner, keeping in mind all the legal loopholes of the case, to come to a practical decision regarding the possibility of the case being decided in favor of the victim. The compensation that will be asked for will also depend on the nature of the injury and the extent of damage which also needs a careful consideration by the New York personal injury lawyer. Many cases can be cited where the competent legal services of a New York personal injury lawyer had helped a victim get justice and win difficult cases against powerful individuals or even corporations. The capability and competence of a New York personal injury lawyer helps to boost the emotional and moral state of the victim and his family when they find a way to receive legal justice.

    A personal injury case can become tricky and complicated depending on the circumstances under which the injury was caused and the position and competence of the guilty party. Hence it is always advisable to locate a competent New York personal injury lawyer to handle the case on behalf of the victim and his family in case of occurrence of such an unfortunate event.

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    Nursing Homes in San Antonio, TX, US News, san antonio nursing schools.

    #San #antonio #nursing #schools


    Nursing Homes in San Antonio Texas

    San antonio nursing schools

    There are 95 nursing homes in the San Antonio, Texas, metropolitan area. Of these, 6 received an overall rating of 4.5 stars or above. This metro area includes New Braunfels.

    Refine Your Matches


    Find Assisted Living

    San antonio nursing schools

    Brookdale Alamo Heights

    San antonio nursing schools Top Rated Nursing Home

    Brookdale Alamo Heights in San Antonio, TX, is rated 5.0 stars overall. It is a small facility with 46 beds and has for-profit, corporate ownership. Brookdale Alamo Heights is not part of a continuing care retirement community. more

    Kendall House Wellness Rehabilitation

    San antonio nursing schools Top Rated Nursing Home

    Kendall House Wellness Rehabilitation in Boerne, TX, is rated 5.0 stars overall. It is a small facility with 40 beds and has nonprofit, church ownership. Kendall House Wellness Rehabilitation is not part of a continuing care retirement community. more

    Mccullough Hall Nursing Center Inc.

    San antonio nursing schools Top Rated Nursing Home

    Mccullough Hall Nursing Center Inc. in San Antonio, TX, is rated 5.0 stars overall. It is a small facility with 51 beds and has nonprofit, corporate ownership. Mccullough Hall Nursing Center Inc. is not part of a continuing care retirement community. more

    Highland Nursing Center

    San antonio nursing schools Top Rated Nursing Home

    Highland Nursing Center in San Antonio, TX, is rated 4.8 stars overall. It is a small facility with 59 beds and has for-profit, corporate ownership. Highland Nursing Center is not part of a continuing care retirement community. more

    The Sarah Roberts French Home

    San antonio nursing schools Top Rated Nursing Home

    The Sarah Roberts French Home in San Antonio, TX, is rated 4.8 stars overall. It is a small facility with 60 beds and has nonprofit, corporate ownership. The Sarah Roberts French Home is not part of a continuing care retirement community. more

    San Antonio Residence and Rehabilitation Center

    San antonio nursing schools Top Rated Nursing Home

    San Antonio Residence and Rehabilitation Center in San Antonio, TX, is rated 4.5 stars overall. It is a moderate facility with 106 beds and has for-profit, corporate ownership. San Antonio Residence and Rehabilitation Center is not part of a continuing care retirement community. more

    Afv II Health Care Center

    Afv II Health Care Center in San Antonio, TX, is rated 4.0 stars overall. It is a small facility with 64 beds and has nonprofit, corporate ownership. Afv II Health Care Center is not part of a continuing care retirement community. more

    Coronado at Stone Oak

    Coronado at Stone Oak in San Antonio, TX, is rated 4.0 stars overall. It is a moderate facility with 112 beds and has for-profit, corporate ownership. Coronado at Stone Oak is not part of a continuing care retirement community. more

    Golden Estates Rehabilitation Center

    Golden Estates Rehabilitation Center in San Antonio, TX, is rated 4.0 stars overall. It is a moderate facility with 93 beds and has for-profit, corporate ownership. Golden Estates Rehabilitation Center is not part of a continuing care retirement community. more

    Saint Francis Nursing Home

    Saint Francis Nursing Home in San Antonio, TX, is rated 4.0 stars overall. It is a large facility with 143 beds and has nonprofit, corporate ownership. Saint Francis Nursing Home is not part of a continuing care retirement community. more

    British Columbia Codes 2012

    #british #columbia, #bc, #bc #codes #2006, #bc #fire #code, #bc #building #code, #bc #plumbing #services


    BC Building code 2012

    TheBC Building Code applies to the construction of buildings; including extensions, substantial alterations, buildings undergoing a change for occupancy, green building specifications, and upgrading of buildings to remove an unacceptable hazard. It applies the core concepts of the National Building Code, combined with elements specific to BC s unique needs.

    This online version has the following features:

    • Updated Automatically – includes updates for the duration of the 2012 Code.
    • Easy to use, award-winning search engine
    • Ability to narrow your search to a specific part of the Code
    • Hyperlinks to*Intent Statements
    • Hyperlinks to related current BC Statutes and Regulations
    • Access to view the previous 2006 BC Codes
    • Ability to view historical changes from within the current code

    *Intent Statements is a feature that will enhance your understanding of the Codes. The supplementary information they provide assists in the interpretation of the technical requirements. Due to the volume ofIntent Statements , these are only available with the online products.

    Historical Changes is a new feature which allows the user to view all historical changes over the lifespan of the codes starting in 2012, including changes from the 2010 National Codes.

    products & pricing

    Print/Online Combo – 1 Year Annual Subscriptions

    25 Best Plumbers – Dallas TX

    #plumbers #in #dallas


    Plumbers in Dallas, TX

    Request Stage. Ready to Hire

    Desired Completion Date. Timing is flexible

    What kind of location is this?. Home/Residence

    Comment: The vanity in the bathroom has been removed along with Some pipe pieces and needs to be repaired. The kitchen sink underneath has a leak and possibly a leak from the dishwasher that’s not needed. I request a free estimate. I’m not interested in a high cost job. If the price is right, same day service will be negotiated. I’m only accepting calls on Friday/Sat Jun1-2,2017

    Project: Install, Repair or Replace Plumbing or Fixtures

    Location: Dallas. TX

    Project Description. Repair a faulty plumbing item, Install a new plumbing item, Several small plumbing ‘fix-it’ or install projects

    Is this an emergency?. No

    Plumbing Repairs. Fixture not draining or flushing

    Plumbing Fixtures. Pipe, Shower/Tub, Sink

    Request Stage. Ready to Hire

    Desired Completion Date. Within 1 week

    What kind of location is this?. Home/Residence

    After Business Hours. No

    Historical Work. No

    Property Owner. Yes

    Comment: I Need an Estimate on a Plumber, My Washing Machine Water Backed up into Bathroom Tub and Bathroom Sink, and Line may be Clogged in relation to it all.

    Project: Install, Repair or Replace Plumbing or Fixtures

    Location: Dallas. TX

    Is this an emergency?. No

    What material is your sink made of?. Stainless Steel

    Where is the sink located?. Kitchen sink

    How is the sink mounted?. Under-mounted

    Request Stage. Ready to Hire

    Desired Completion Date. Timing is flexible

    What kind of location is this?. Home/Residence

    After Business Hours. No

    Historical Work. No

    Property Owner. Yes

    Comment: Hello, We do not need any help with our kitchen sink. The sink and it’s garbage disposal work fine. We just bought an APEC Water reverse osmosis tank 4 water filtration system and need help installing it in our kitchen. We need the filtration system and tank to be hooked up to our plumbing under the sink and the faucet to be installed on our granite counter top. We will likely need

    0.5 inch diameter hole drilled through the granite.

    Project: Install, Repair or Replace Plumbing or Fixtures

    Location: Dallas. TX

    Kanzlei Hensche: Online Handbuch zum Arbeitsrecht, rechtsanwalt arbeitsrecht münchen.

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    • Kanzlei Berlin

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    Rechtsanwalt arbeitsrecht münchen[email protected]

    Rechtsanwalt arbeitsrecht münchen069 – 71 03 30 04

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    Rechtsanwalt arbeitsrecht münchen0511 – 89 97 701

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    On line Hand buch zum Ar beits recht

    Rechtsanwalt arbeitsrecht münchen

    Rechts be ra tung im Ein zel fall er tei len wir – wie an de re Kanz lei en auch – nur im Rah men ei nes ver bind li chen Be ra tungs auf trags, d.h. auf der Grund la ge vor he ri ger voll st n di ger In for ma tio nen durch un se ren Auf trag ge ber und ge gen Be zah lung. Sie k n nen uns auch vor ab, d.h. un ver bind lich und kos ten los fra gen, wie viel ei ne Be ra tung oder an de re Leis tun gen kos ten w r den.

    Letzte berarbeitung: 6. Dezember 2017

    Rechtsanwalt arbeitsrecht münchen Rechtsanwalt arbeitsrecht münchen Rechtsanwalt arbeitsrecht münchen Rechtsanwalt arbeitsrecht münchen

    HINWEIS: S mtliche Texte dieser Internetpr senz mit Ausnahme der Gesetzestexte und Gerichtsentscheidungen sind urheberrechtlich gesch tzt. Urheber im Sinne des Gesetzes ber Urheberrecht und verwandte Schutzrechte (UrhG) ist Rechtsanwalt und Fachanwalt f r Arbeitsrecht Dr. Martin Hensche, L tzowstra e 32, 10785 Berlin.

    W rtliche oder sinngem e Zitate sind nur mit vorheriger schriftlicher Genehmigung des Urhebers bzw. bei ausdr cklichem Hinweis auf die fremde Urheberschaft (Quellenangabe iSv. 63 UrhG) rechtlich zul ssig. Verst e hiergegen werden gerichtlich verfolgt.

    Rechtsanwalt Dr. Martin Hensche, Berlin

    Fachanwalt f r Arbeitsrecht

    L tzowstra e 32, 10785 Berlin

    Telefon: 030 – 26 39 62 0

    Telefax: 030 – 26 39 62 499

    Vi deo Ab fin dung: Wo von h ngt die H he von Ab fin dun gen ab? Wann ist ei ne Ab fin.

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    Was tun bei Ab mah nung?

    1. Ver mei den Sie ei ne spon ta ne Recht fer ti gung im Ge spr ch – 2. Ge ben Sie kei ne ber eil te schrift li che Stel lung nah me ab – 3. Be st ti gen Sie nicht auf der Ab mah nung, dass die Vor w r fe be rech tigt .

    Was tun bei K n di gung?

    1. Fin den Sie her aus, ob Sie K n di gungs schutz ha ben und wie lan ge die Ih nen zu ste hen de K n di gungs frist ist – 2. Be ach ten Sie die ge setz li che Drei wo chen frist f r die Er he bung ei ner .

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    Was tun bei Ver set zung?

    1. Se hen Sie in Ih rem Ar beits ver trag nach, wel che Auf ga ben Ihr Ar beit ge ber Ih nen zu wei sen kann – 2. Las sen Sie sich durch ei nen ar beits recht lich spe zia li sier ten An walt un ter st t zen – 3. Sei en Sie .

    Súper Préstamo de Santander Río: tu crédito personal fácil de sacar, fácil de pagar, simulador préstamos.

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    Simulador préstamos

    Pedí tu crédito:

    Si sos cliente, solicitá tu Préstamo Pre-Acordado desde Online Banking.

    Si sos cliente solicitá tu Préstamo Pre-Acordado desde App Santander Río. Conocé más sobre la App desde aquí.

    Llamando al 4345-2400 o desde el interior, 

    de lunes a viernes de 8 a 21hs.

    Buscá tu sucursal más cercana.

    Pedí tu Súper Préstamo de hasta $500.000 en hasta 72 cuotas a tasa fija y en pesos.

    Fácil de sacar / Fácil de Pagar:

    • Monto máximo de financiación $500.000. Monto mínimo de financiación $1.000.
    • Podés financiarlo desde 3 y hasta 72 cuotas a tasa fija y en pesos.
    • La primera cuota la podés pagar hasta en 90 días.
    • Podés cancelar tu préstamo total o parcialmente, cuando lo desees.
    • Tasa fija nominal anual: 44%

    Pedí hoy tu Súper Préstamo con mínimos requisitos.

    • Ingresos netos mensuales desde $10.500 para solteros / grupo familiar.
    • 6 meses de antigüedad laboral.

    Súper Préstamo Personal Pre-acordado

    Si sos cliente Black, Platinum, Infinity Gold, Infinity, SuperCuenta 3 o SuperCuenta 2 ya tenés tu Súper Préstamo listo para usar, cuando lo necesites.

    • Podés acreditar el dinero en tu cuenta inmediatamente a través de Online Banking, App Santander Río o llamando a Súper Línea.
    • No tenés que presentar documentación.
    • La primera cuota la podés pagar hasta en 90 días.
    • Monto máximo hasta $500.000. Monto mínimo $1.000.
    • Podés financiarlo desde 3 y hasta 72 cuotas a tasa fija y en pesos.
    • Tasa fija nominal anual: 44%.

    Otros productos que te podrían interesar

    Simulador préstamos

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    6 compañías para elegir el mejor seguro para tu auto.

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    Tarjeta de crédito y débito, préstamo personal y más.

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    Seguro de Vivienda

    Asegurá tu casa ante todo tipo de riesgo.

    Simulador préstamos

    Leer más sobre este producto


    Costos Financiero Total : C.F.T.

    Tasa fija nominal anual: 44%. Tasa efectiva anual: 54,05% Sistema de amortización francés. El otorgamiento efectivo del producto se encuentra sujeto a evaluación crediticia. Condiciones vigentes desde el 01/01/2018 al 31/01/2018. Comisión por cancelación anticipada: 4% para Black, Platinum e Infinity Gold, y del 6% para el resto de los segmentos, sobre el monto a precancelar. Exclusivo para clientes Individuos: La comisión por cancelación anticipada total solo será aplicada cuando al momento de la cancelación no hayan transcurrido al menos la cuarta parte del plazo original del préstamo o 180 días desde su otorgamiento, de ambos el mayor.

    El coste de saldar anticipadamente una hipoteca se abaratarб por ley, Vivienda, EL MUNDO, amortizar hipoteca.

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    El coste de saldar anticipadamente una hipoteca se abaratarб por ley

    El banco no podrб cobrar comisiуn alguna por este concepto a partir del sexto aсo del crйdito al cliente, que podrб pactar mejores condiciones

    El coste de amortizar anticipadamente una hipoteca o cualquier prйstamo inmobiliario se abaratarб, incluso los ya firmados, y permitirб que, de forma general, a partir del sexto aсo la entidad financiera no cobre comisiуn alguna por este concepto al consumidor, segъn un anteproyecto de ley que el Ministerio de Economнa ha sacado a consulta pъblica hasta el prуximo 15 de septiembre.

    En caso de reembolso o amortizaciуn anticipada total o parcial de un prйstamo inmobiliario en los cinco primeros aсos de vida del crйdito, el consumidor podrб tener que pagar una comisiуn de hasta un 0,25% del capital reembolsado anticipadamente o el importe de la pйrdida financiera que pudiera sufrir el prestamista.

    Si la amortizaciуn se produce, sin embargo, en los tres primeros aсos de vigencia del prйstamo, el lнmite se mantiene en el 0,50% que opera en la actualidad para los cinco primeros aсos de la vida del crйdito.

    A partir del quinto aсo, la normativa vigente fija un lнmite del 0,25% y en el anteproyecto de ley la comisiуn es cero desde el sexto aсo, por lo que las mejores noticias para los consumidores vendrбn a partir de entonces, cuando se allana el camino a miles de hipotecados, tanto actuales como futuros, tal y como constan en el anteproyecto de ley reguladora de los contratos de crйdito inmobiliario del Ministerio de Economнa.

    En cualquier caso, si el cliente pacta unas condiciones mejores, serбn йstas las que se apliquen, como ocurre en la actualidad.

    El fin de la comisiуn de amortizaciуn a partir del sexto aсo es una de las principales novedades del anteproyecto de ley reguladora de los contratos de crйdito inmobiliario.

    Con este trбmite, el Ministerio de Economнa trata de avanzar en la incorporaciуn de una Directiva europea cuyo plazo de trasposiciуn concluyу el 21 de marzo de 2016 y apenas han incorporado media docena de paнses.

    Otra de las novedades es que el texto ofrece al consumidor el derecho de cambiar la divisa de referencia de su prйstamo, se regulan las funciones de asesoramiento y se “prohнben” las ventas vinculadas, aunque eso no impedirб que puedan seguir existiendo como fуrmula de abaratar la financiaciуn, siempre que se ofrezcan los prйstamos por separado en condiciones de mercado o haya una autorizaciуn expresa del Banco de Espaсa.

    Ademбs, con la idea de evitar los errores del pasado, la nueva regulaciуn establecerб lнmites a la polнtica retributiva de los empleados de entidades de crйdito o cualquier otra empresa prestataria, lo que se traduce en que no podrб haber incentivos por el nъmero de hipotecas comercializadas.

    Por ъltimo, el texto pretende mejorar los requisitos de experiencia y conocimiento que deben tener los prestamistas o intermediarios de entidades, e incluso establece la obligatoriedad de contar con una formaciуn especнfica, que la directiva exige a partir de 2019.

    Todos ellos estarбn supervisados o por las propias comunidades autуnomas, o en el caso de que su бmbito de actuaciуn vaya mбs allб de una regiуn o se trate de una entidad de crйdito, directamente por el Banco de Espaсa.

    Temas Relacionados


    Todavнa no hay comentarios. Sй el primero en dar tu opiniуn.

    CALCULAR HIPOTECA CAJA ESPAÑA, hipoteca caja españa.

    #Hipoteca #caja #españa

    Calcular Hipoteca Caja España

    Con el simulador de hipotecas que le ofrecemos en el enlace de abajo al final del texto Calcular Hipoteca Caja España, podrá calcular la hipoteca que ya tenga en CAJA ESPAÑA DUERO o cuya hipoteca tenga solicitada o esté tramitando en CAJA ESPAÑA. También para hacer un estudio y análisis sobre la revisión del interés y de la cuota o letra mensual de la hipoteca en CAJA ESPAÑA o como realiza la revisión de hipoteca en CAJA ESPAÑA con el euribor o con otros índices de referencia como IRPH, CECA, Conjunto de Entidades etc

    A través del directorio de esta web encontrará amplia información sobre las hipotecas, diferentes tipos, intereses que se aplican, plazos, documentos necesarios y consejos para solicitar hipotecas así como negociar préstamos hipotecarios ya existentes en cuanto a la revisión del euribor.

    En general las revisiones de hipoteca en BBVA y otros bancos y cajas que están referenciadas al euribor aplican el euribor medio a plazo de un año del mes anterior en que corresponde realizar la revisión de la cuota. A tener en cuenta que dicho euribor medio que comunical Banco de España, no es oficial hasta que se publica en el BOE y dicha publicación se viene realizando hacia mediados del mes siguiente. En esta web puede consultar el euribor y otros índices de referencia como CECA, IRP o conjunto de entidades en intereses que se aplican en hipotecas.

    Como solicitar Préstamo hipotecario en Caja España, Trámites y documentos

    Si va pedir un préstamo hipotecario en Caja España, es conveniente que tenga preparados los siguientes documentos:

    3 últimas nóminas o recibos de cobro más recientes

    Declración de la renta o IRPF del último año y si no tiene que hacer Declaración de la renta, un certificado de sus ingresos anuales.

    Vida laboral de los sitios que ha trabajado y cuanto tiempo y si es fijo o eventual.

    Nota simple del Registro de la Propiedad de los bienes que tenga vivienda, locales, etc.

    Otros documentos que considere de interés para justificar otros ingresos, por alquileres, ayudas, rentas etc.

    En el siguiente simulador de hipotecas de Caja España, puede conocer cuanto pagará por su hipoteca. por ejemplo si quiere calcular cuanto paga paor una hipoteca de 100.000 euros en Caja España Duero introduce el importe o cualquier otra cantidad que necesita de hipoteca, 80.000 euros, 100.000, 120.000, 175.000, 200.000 euros y a continuación el tipo de interés que Caja España Duero ha dicho que le cobrará y si es un diferencial sobre euribor, se informa en la home de nuestra web y le suma el diferencial que le ha dicho La Caja España.

    Deje abajo en los comentarios cualquier consulta sobre hipotecas en Caja España Duero o si tiene opiniones osbre Caja España Diuero si ya dispone de un crédito hipotecario en dicha entidad. Responderemos en breve a todas sus consultas.

    Que Gastos tiene una hipoteca en Caja España Caja Duero

    Si ha pensado en comprar una vivienda, debe saber que además del coste o precio que nos pidan por el piso, hay que sumar una serie de gastos e impuestos tanto en la compra-venta de la vivienda como en la contratación de la hipoteca. En general se estima que el coste global de impuestos y gastos es un 10% del precio de la vivienda.

    Para el caso de la hipoteca estos son aproximadamente los gastos que tiene al contratar un préstamo hipotecario.

    Gastos de Notario en hipotecas Caja España

    Una vez aprobada por el banco la hipoteca o préstamo hipotecario, hay que firmar una escritura de préstamo ante notario y por ejemplo para una hipoteca de 120.000 euros el coste de notario sería aprox. 600 euros. No es una cantidad fija porque puede variar de un notario a otro y del número de folios que lleve el contraro.

    Gastos de tasación

    Caja España y la fusionada Caja Duero para estudiar su préstamo pide una tasación para saber cuanto vale su vivienda y cuanto porcentaje le puede conceder. En general no suelen conceder más del 80% de su valor si se trata de primera vivienda. Siguiendo con el ejemplo anterior para una vivienda de 160.000 euros le pueden cobrar unos 250 euros por la tasación.

    Gastos de Registro de la Propiedad

    Una vez firmada la escritura ante Notario con Caja España, la gestoría se encarga de presentar el documento en el Registro de la Propiedad de su ciudad para dejar constancia en los libros de que existe una hipoteca sobre la finca. El coste estimado sería de 200 euros.

    Gastos de Gestoría de Caja España

    Cuando se firma una hipoteca, es obligatorio que se encargue de presentar los documentos una gestoría de confianza del banco para asegurarse de que la hipoeca qude inscrita. La Gestoría le puede cobrar unos 250 euros y depende mucho de unas plazas a otras. Le puede pasar de los 300.

    Impuesto de Actos Júridicos Documentados

    Este es el coste de mayor importe al contratar una hipoteca con Caja España o Calcular hipoteca Caja Duero, el impuesto de Actos Júridicos documentados -A.J.D.-. Se trata de un impuesto que cobran las comunidades autónomas y se calcula no solo por el importe de la hipoteca si no que se calcular por el importe del préstamo más los intereses y demoras que ampara la propia hipoteca. Para una hipoteca de 100.000 euros le puede costar aproxidamente 3.000 euros.

    Puede dejarnos sus consultas, comentarios y opiniones sobre Caja España en el formulario de abajo de esta página

    Cálculo de letra de hipoteca en otras entidades financieras:

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    Grataloup avocat Lyon – avocat droit famille, droit immobilier LYON 6, avocat filiation.

    #Avocat #filiation

    Avocat а LYON 6

    Fort d’une expйrience de 15 ans en qualitй d’avocat а LYON 6, Maоtre GRATALOUP a fait le choix de centrer son activitй sur le droit des personnes, de la famille et du patrimoine ainsi que sur le droit immobilier tout en intervenant dans les domaines du droit civil en gйnйral, comme le droit des contrats et le droit des biens.

    S’il est en mesure d’assurer votre dйfense devant toutes les juridictions et autoritйs compйtentes, Maоtre GRATALOUP tente nйanmoins d’instaurer un climat propice а la recherche de solutions amiables, dиs que le dossier lui en donne la possibilitй. Des nйgociations privйes permettent en effet de parvenir а une issue satisfaisante а la fois pour son client et la partie adverse.

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    Droit immobilier

    Au cours de leur existence, particuliers et entreprises se retrouvent bien souvent confrontйs а une question de droit immobilier. Projet de construction, compromis de vente, vente immobiliиre, servitudes, contentieux de la copropriйtй, bail d’habitation ou procйdure d’expropriation : les occasions sont en effet nombreuses.

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    Droit de la famille

    Divorce, adoption, succession, rйgime matrimonial ou crйation d’une SCI familiale : les enjeux en droit de la famille sont propres а chacun. Il est donc important d’en apprйhender la portйe et de rйagir en consйquence.

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    Le droit immobilier est prйsent de maniиre permanente dans la vie des particuliers et des entreprises quels que soient leur taille et leur secteur.

    Divorce, filiation, adoption, succession, autoritй parentale, tutelle, pension alimentaire.

    Portal Ciudadano, finanzas edomex.

    #Finanzas #edomex

    Pagos del mes

    (Ventanilla Electrónica Única)

    • Seguridad y salud 911
    • Línea de atención ciudadana CATGEM 01 800 696 96 96

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    HOY NO


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    ¿Conoces el proceso de preinscripción de nivel básico – SAID?

    Finanzas edomex Finanzas edomex Finanzas edomex

    Nuevo Portal

    Eventos y Convocatorias

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    • ¿Tienes una emergencia de salud?
    • Afíliate al Seguro Popular
    • Instituciones de Salud en el Estado de México
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    Más información aquí >>

    Trabajo para mexiquenses

    • Bolsa de Trabajo
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    Buscador Avanzado

    de Trámites o Servicios

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    Consulta la convocatoria

    El Sistema Anticipado de Inscripción y Distribución (SAID) para el ciclo escolar 2018-2019, operará a partir del 22 de enero de 2018.

    Con este programa, el Gobierno del Estado de México está desplegando un esfuerzo técnico y de organización para que en Educación Básica, ninguna niña o niño mexiquense se quede sin estudiar.

    Consulta la lista de escuelas participantes dando clic aquí.

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    Segundo Certamen Internacional de Literatura Infantil y Juvenil FOEM 2017

    Participa en el Segundo Certamen Internacional de Literatura Infantil y Juvenil FOEM 2017 en alguna de las siguientes categorías:

    – Novela corta juvenil

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    IX Certamen Internacional de Literatura “Sor Juana Inés de la Cruz” 2017

    Participa en el IX Certamen Internacional de Literatura “Sor Juana Inés de la Cruz” 2017 en alguno de los siguientes géneros literarios:

    Tienes hasta el 30 de noviembre para entregar tu trabajo.

    Para más información visita el sitio

    Invita el Consejo Editorial de la Administración Pública Estatal.

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    Consulta los centros de acopio y albergues disponibles en los estados de México, Morelos y Puebla

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    Para un mejor servicio

    Para brindar mayor certeza, evitar el robo de identidad y dar seguridad a la población y a las autoridades; a partir del 22 de agosto de 2017, las copias certificadas del Estado de México que se generen en Cajeros del Registro Civil y las emitidas electrónicamente en Oficialías y Dirección General, se podrán validar en el link:

    Finanzas edomex

    Calendario Escolar 2017-2018

    Conoce y consulta el Calendario Escolar 2017-2018.

    Educación Básica, Educación Normal y para la formación de maestros de Educación Básica, así como para escuelas públicas y particulares incorporadas al Sistema Educativo Nacional.

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    12º Concurso Nacional de Transparencia en Corto

    Si tienes entre 16 y 25 años, haz que tus ideas se materialicen y participa en el 12º Concurso Nacional de Transparencia en Corto 2017 “Uso de herramientas digitales para el combate a la corrupción” para promover la cultura de transparencia y rendición de cuentas como mecanismo de combate a la corrupción.

    Te invita la Secretaría de la Contraloría Gobierno del Estado de México.

    Abfindung bei Kündigung: Anspruch klären und Höhe berechnen – RA Croset, abfindung anspruch.

    #Abfindung #anspruch

    Abfindung bei Kündigung: Anspruch klären und Höhe berechnen

    In bestimmten Fällen führt die Kündigung eines Arbeitnehmers zu einem Anspruch auf Abfindung. In anderen Fällen besteht zwar kein rechtlicher Anspruch, der Arbeitgeber zahlt jedoch eine Abfindung, damit der Arbeitnehmer in die Kündigung einwilligt und nicht dagegen klagt. Die Fachanwälte für Arbeitsrecht der Rechtsanwaltskanzlei Croset in Berlin fassen zusammen, was Sie über den Anspruch auf Zahlung einer Abfindung bei Kündigung wissen sollten und mit welchen Formeln man ihre Höhe korrekt berechnet.

    Dass einem Arbeitnehmer bei Kündigung eine Abfindung als Entlassungsentschädigung bezahlt wird, ist im Arbeitsrecht gängige Praxis. Allerdings besteht nur in einigen Fällen ein gesetzlicher Anspruch auf eine Abfindung. In anderen Fällen hat die Zahlung den Zweck, dass der Arbeitnehmer im Gegenzug darauf verzichtet, eine Kündigungsschutzklage vor dem Arbeitsgericht einzureichen oder weiterzuführen. Die Höhe der Abfindungen ist je nach Einzelfall ganz unterschiedlich.

    Sie hängt bei freiwilliger Zahlung davon ab, wie Arbeitgeber und Arbeitnehmer die Chancen vor dem Arbeitsgericht bewerten und vom Verhandlungsgeschick. Bei einem Anspruch auf Zahlung einer Abfindung existieren je nach Situation unterschiedliche Formeln zur Berechnung der Abfindungshöhe. Auf eine Abfindung bei Kündigung des Arbeitsverhältnisses muss als Entlassungsentschädigung Lohnsteuer bezahlt werden. Dagegen fallen keine Sozialversicherungsbeiträge an. Der Arbeitgeber behält wie beim Lohn den Lohnsteueranteil ein und zahlt die verbleibende Netto-Abfindung an den Arbeitnehmer aus.

    Die meisten Abfindungen beruhen auf einer Vereinbarung zwischen dem Arbeitgeber und dem Arbeitnehmer, ohne dass von vornherein ein Anspruch auf Abfindung existiert. Die Höhe der vereinbarten Zahlung hängt deshalb eng mit den arbeitsrechtlichen Aussichten der Kündigung zusammen.

    Je größer das Risiko ist, dass die Kündigung sich vor dem Arbeitsgericht als unwirksam erweist, desto eher wird der Arbeitgeber zu einer höheren Abfindung bereit sein, um eine Kündigungsschutzklage zu verhindern. Umgekehrt wirkt sich eine arbeitsrechtlich problemlose Kündigung negativ auf die Abfindungsbereitschaft des Arbeitgebers aus. Deshalb ist es wichtig, dass man bei Verhandlungen über eine Abfindung genau weiß, wie das Arbeitsverhältnis, seine Beendigung und die Stichhaltigkeit der Kündigungsgründe zu bewerten sind.

    Abfindung bei betriebsbedingter Kündigung

    Ein Angebot einer Abfindung, falls die Kündigung akzeptiert und auf Kündigungsschutzklage verzichtet wird – dieses Tauschgeschäft ist im Fall einer betriebsbedingten Kündigung sogar ausdrücklich im Gesetz vorgesehen (§ 1a KSchG). Geht der Arbeitnehmer auf eine betriebsbedingte Kündigung mit Abfindungsangebot ein, ist auch die Höhe des Anspruchs auf die Abfindung gesetzlich geregelt. Sie richtet sich nach der Dauer des Beschäftigungsverhältnisses und der Höhe des Einkommens. Genauer gesagt: Die Abfindung beträgt bei einer solchen betriebsbedingten Kündigung ein halbes Bruttomonatsgehalt pro Beschäftigungsjahr. Das ist der sogenannte Regelsatz oder die Regelabfindung. Die Formel lautet: ½ Bruttomonatsgehalt x Betriebszugehörigkeit in Jahren.

    Abfindung aufgrund eines Sozialplans

    Ein Anspruch auf eine Abfindung kann sich auch aus einem Sozialplan ergeben (sogenannte Sozialplanabfindung). Ein Sozialplan wird zwischen Arbeitgeber und Betriebsrat vereinbart, wenn eine einschneidende Betriebsänderung ansteht – eine Umstrukturierung, Massenentlassungen, Betriebsstilllegungen oder Rationalisierungsmaßnahmen. Ziel ist es, die wirtschaftlichen Folgen für die Arbeitnehmer deutlich abzumildern. Häufig sieht ein Sozialplan die Zahlung von Abfindungen vor. Dann wird auch vereinbart, wie die Höhe des Abfindungsanspruchs im Einzelfall ausgerechnet wird.

    Sozialplanabfindung = Grundbetrag + Aufstockungsbetrag + Sozialbetrag

    Grundbetrag = 1 Bruttomonatsgehalt

    Aufstockungsbetrag = (Lebensalter x Betriebszugehörigkeit x Bruttomonatsgehalt) : 52

    Sozialbetrag = 1 Bruttomonatsgehalt

    (Sozialbetrag: falls schwerbehindert oder bei unterhalspflichtigen Kindern)

    Eine typische Berechnungsformel sieht beispielsweise eine für alle Betroffenen gleiche Grundabfindung (Grundbetrag) vor, zu der ein variabler Steigerungsbetrag (Aufstockungsbetrag) addiert wird. Auf diese Weise kann dafür gesorgt werden, dass die Höhe der Abfindung die Betriebszugehörigkeit (Dienstjahre) und das Lebensalter berücksichtigt. Für Schwerbehinderte und Arbeitnehmer mit unterhaltspflichtigen Kindern kann ein zusätzlicher Sozialbetrag vereinbart werden. Damit errechnet sich die Höhe der Abfindung aus einem Grundbetrag und einem Steigerungsbetrag (sogenanntes Faktoren-Modell).

    Das ist aber nur eine Möglichkeit. Denkbar ist beispielsweise auch, dass sich die Höhe der Abfindung nach einem Punkte-Modell berechnet. Auf jeden Fall sollten Betriebszugehörigkeit, Lebensalter, unterhaltsberechtigte Kinder und eine mögliche Schwerbehinderung dabei berücksichtigt werden.

    Anspruch auf Abfindung als Nachteilsausgleich

    Nimmt der Arbeitgeber eine Betriebsänderung (Stilllegung des Standorts, Massenentlassung etc.) vor und hat er nicht versucht, mit dem Betriebsrat einen Interessenausgleich zu schließen, dann folgt daraus ein gesetzlicher Anspruch auf eine Abfindung. Während der Sozialplan sich auf Regelungen über die Folgen einer Betriebsvereinbarung bezieht, ist ein Interessenausgleich eine Vereinbarung zwischen Arbeitgeber und Betriebsrat über Art und Umfang der geplanten Betriebsänderung. Hat der Arbeitgeber es versäumt, einen Interessensausgleich anzustreben, können Arbeitnehmer, denen im Zuge der Betriebsänderung gekündigt wurde, auf Zahlung einer Abfindung klagen (§ 113 BetrVG).

    In diesem Fall setzt das Arbeitsgericht die Höhe der Abfindung fest. Dabei werden wieder Lebensalter und Betriebszugehörigkeit berücksichtigt. Der Anspruch auf Abfindung kann je nach Lebensalter bis zu 1,5 Bruttojahresgehälter (18 Bruttomonatsgehälter) betragen. Es gilt folgende Formel:

    Abfindung = Lebensalter x Betriebszugehörigkeit x Faktor

    Abfindung /= 18 Bruttomonatsgehälter

    Abfindung aufgrund eines Arbeitsvertrags oder Tarifvertrags

    Der Anspruch auf Zahlung einer Abfindung im Falle der Kündigung kann sich auch aus einem Tarifvertrag ergeben, wenn die Gewerkschaft dies mit dem Arbeitgeber vereinbart hat (sogenannter Tarifsozialplan). Außerdem ist der Anspruch auf eine Abfindung manchmal auch im Arbeitsvertrag vereinbart. Üblich ist ein solcher arbeitsvertraglicher Abfindungsanspruch aber nur bei Führungskräften oder Geschäftsführern.

    Abfindung bei leitenden Angestellten

    Das Kündigungsschutzgesetz legt leitende Angestellte als eigene Gruppe von Arbeitskräften fest, für die besondere Regelungen gelten (§ 14 Abs. 2 KSchG). Auch leitende Angestellte können Anspruch auf eine Abfindung haben, und zwar dann, wenn es zum Kündigungsschutzprozess kommt, dort das Arbeitsgericht eine vorhergehende Kündigung als unwirksam einstuft und der Arbeitgeber daraufhin einen sogenannten Auflösungsantrag stellt (§§ 9, 10 KSchG). Das Arbeitsgericht kann den Arbeitgeber in diesem Fall je nach Alter des leitenden Angestellten zu einer Abfindung von bis zu 1,5 Bruttojahresgehältern (18 Bruttomonatsgehältern) verurteilen.

    Abfindung = Lebensalter x Betriebszugehörigkeit x Faktor

    Abfindung =/ 18 Bruttomonatsgehälter

    Etwas anders liegt der Fall, wenn eine Abfindung sich nicht aus dem Gesetz oder einer vertraglichen Vereinbarung ergibt, sondern zwischen Arbeitnehmer und Arbeitgeber ausgehandelt wird. Aber auch in diesem Fall ist die arbeitsrechtliche Situation entscheidend: Sie bestimmt, welchen Verhandlungsspielraum Arbeitgeber und Arbeitnehmer bei den Verhandlungen haben. Deshalb empfiehlt es sich, den Rat eines erfahrenen Fachanwalts für Arbeitsrecht zu suchen, wenn es um die Klärung eines Abfindungsanspruchs oder das Ausloten der Möglichkeiten bei Abfindungsverhandlungen geht.

    Affittare un Appartamento a Londra da un privato, cerco casa privato in affitto.

    #Cerco #casa #privato #in #affitto

    Affittare un Appartamento a Londra da un privato

    Poter affittare un appartamento tramite un privato permette di avere a disposizione appartamenti belli e convenienti, anche per un breve periodo di tempo, con un’elasticità nei contratti di affitto che spesso le agenzie non hanno.

    Affittare un Appartamento da un privato ГЁ una delle soluzioni possibili quando sei alla ricerca di un alloggio a Londra. L’affitto da un privato potrebbe essere piГ№ conveniente rispetto ad affittare un appartamento in agenzia, considerando che in quest’ultimo caso avresti anche il costo delle spese di agenzia da dover pagare.

    L’affitto di una casa o di un appartamento a Londra da un privato ГЁ una scelta valida sia se volete prendere per voi un intero appartamento, sia monolocale che bilocale, oppure se preferite optare per una soluzione piГ№ economica, come una stanza in una casa in condivisione.

    Inoltre da un privato potete affittare tranquillamente sia per un breve periodo che per un periodo di tempo piГ№ lungo, a seconda di ciГІ di cui avete bisogno. E’ il landlord (ovvero il proprietario di casa) che stabilisce il periodo minimo di soggiorno per cui desidera affittare la sua casa.

    Affittare un Appartamento da un privato

    Per la legge inglese un privato puГІ regolarmente affittare la sua casa o una parte di essa, potendo anche continuare lui stesso a vivere nell’appartamento (in questo caso si parla di case in condivisione). Considerate che, come di consueto quando si affitta un appartamento, vi verrГ chiesto un deposito, da pagare in anticipo, che servirГ ad indennizzare il proprietario di casa da eventuali danni che potreste fare al suo appartamento durante il vostro soggiorno. Al momento della partenza questa somma di denaro vi verrГ restituita.

    Affittare un Appartamento da un privato

    Ricordate di farvi rilasciare sempre una ricevuta scritta della somma di denaro che avete pagato come deposito e di quanto pagate come affitto mensile, in maniera da evitare qualunque equivoco o malinteso.

    A meno che non abbiate stabilito in anticipo una durata precisa relativamente al vostro soggiorno, ricordate che almeno 1 mese prima della vostra partenza dovete informare il proprietario, che in questa maniera avrГ modo di cercare qualcuno a cui affittare l’appartamento dopo la vostra partenza. Se non lo fate, puГІ decidere di tenersi il vostro deposito perchГ© magari potrebbe non aver avuto il tempo di trovare qualcuno al vostro posto.

    La soluzione di affittare un appartamento da un privato, alla fine, si rivela utile per molte persone e per tutti quelli che non vogliono impegnarsi con un contratto di agenzia, oltre che per coloro che sono alla ricerca del massimo risparmio possibile.