What Is A Good Credit Score To Buy A House? / Video

What Is A Good Credit Score To Buy A House, NEF6.COM

#What #Is #A #Good #Credit #Score #To #Buy #A #House

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What Is A Good Credit Score To Buy A House

What Is A Good Credit Score To Buy A House, NEF2.COM

What Is A Good Credit Score To Buy A House

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Bank of America arts and culture

#arts #and #culture, #funding #for #the #arts, #supporting #the #arts

Bank of America arts and culture, REMMONT.COM

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Arts & Culture

Bank of America believes the arts matter: they help economies thrive, help individuals connect with each other and across cultures, and educate and enrich societies. We support more than 2,000 visual and performing arts organizations worldwide that provide inspirational and educational sustenance, anchor communities, create jobs, complement school curricula, and generate substantial revenue for local businesses.

Arts matter

We believe the neighborhood playhouse can be just as important as the world class museum or orchestra in its value to the community, in the lives of its citizens, and in the education of its young people. On a global scale, the arts speak to us in a universal language that provides pathways to greater cultural understanding.

Featured Highlights


View our Arts Matter brochure

Museums on Us

Offering our cardholders free weekend access to a variety of museums and cultural institutions across the United States.

Museums matter

Museums are a source of education, emotion and creative inspiration. Now in its 20th year, this distinctive program offers Bank of America and Merrill Lynch credit and debit card holders the opportunity to visit more than 175 of the most popular cultural institutions in the United States free of charge on the first full weekend of every month.

Who is eligible?

To qualify, simply present your active Bank of America or Merrill Lynch credit or debit card along with a photo ID to gain one free general admission to any participating institution. Cardholders only; guests are not eligible for free admission. Excludes special exhibitions, ticketed shows and fundraising events.


The Art Institute of Chicago
Chicago, IL

Advertising practices

We strive to provide you with information about products and services you might find interesting and useful. Relationship-based ads and online behavioral advertising help us do that.

Here’s how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that’s customized to meet specific interests you may have.

If you prefer that we not use this information, you can opt out of online behavioral advertising. If you opt out, though, you may still receive generic advertising.
Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. These ads are based on your specific account relationships with us.

To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review the Bank of America Online Privacy Notice and our Online Privacy FAQs .

This site contains PDF documents that require you to have
the latest version of Adobe Reader in order to read them.
Download the latest update of Adobe Reader.

Bank of America, N.A. Member FDIC. Equal Housing Lender
2017 Bank of America Corporation. All rights reserved.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue.

Content contained herein may have been produced by an outside party that is not affiliated with Bank of America or any of its affiliates (Bank of America). Opinions or ideas expressed are not necessarily those of Bank of America nor do they reflect their views or endorsement. These materials are for informational purposes only. Bank of America does not assume liability for any loss or damage resulting from anyone’s reliance on the information provided. Certain links may direct you away from Bank of America to an unaffiliated site. Bank of America has not been involved in the preparation of the content supplied at the unaffiliated sites and does not guarantee or assume any responsibility for its content. When you visit these sites, you are agreeing to all of their terms of use, including their privacy and security policies.

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner Smith Incorporated (MLPF S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC ), and other subsidiaries of Bank of America Corporation (BofA Corp.). Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. a licensed insurance agency and wholly owned subsidiary of BofA Corp.

Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A. and other subsidiaries of BofA Corp. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp.

Investment, insurance and annuity products: Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value | Are Not Deposits | Are Not Insured by Any Federal Government Agency | Are Not a Condition to Any Banking Service or Activity

MLPF S and Bank of America, N.A. make available investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp or in which BofA Corp has a substantial economic interest.

Company goals are inspirational and not guarantees or promises that all goals will be met. Statistics and metrics included in our ESG documents are estimates and may be based on assumptions or developing standards.

General disclaimer for Bank of America Merrill Lynch.

New – Used Vauxhall Car Dealers

#used #cars #for #sale, #used #vauxhall, #vauxhall #offers

New - Used Vauxhall Car Dealers, NEF2.COM

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A transaction fee of £50 (including VAT) is added to all vehicle sales. We charge this fee to cover the costs of essential documentation and administration costs such as an HPI check. Your statutory rights are not affected.

Perrys makes every effort to ensure all prices and vehicle details on this website are correct. However, the standard specification can sometimes differ from that shown above. Please satisfy yourself that a vehicle has a specific feature that is important to you before purchasing – our staff at dealerships will be happy to assist you. Prices, offers and details of vehicles are subject to change without notification.

Images of new and nearly new cars are for illustration purposes only and may not be an exact model match.

Finance is subject to status, terms and conditions apply. Perrys use an extensive panel of carefully selected lenders to assist with the funding of vehicles. There are also other lenders available. On all VAT qualifying commercial vehicles, the VAT is payable upfront with the deposit payment.

Telephone calls carry a minimum call cost of 5.5p if BT is your telephone provider. If BT is not your telephone provider or you are calling from a mobile, call costs may vary.

Perrys Motor Sales Ltd is authorised and regulated by the Financial Conduct Authority and acts as a credit broker and not the lender. VAT No. 765 3341 25 Company Reg No. 972286 Perrys Motor Sales Ltd 2002 – 2017


2 No Credit Search Required
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eligibility check

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We understand that applying for finance can sometimes be a very daunting experience for you. So to help, we created a short, no commitment, pre application, eligibility check feature, which our experienced finance team will use to determine your circumstances. We won’t do any financial checks on your credit history which means that you can get our professional opinion, before you make that full application.

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Use our no commitment, pre-application, eligibility check, to get an instant opinion determine what financial options could be available to you. We don’t do a financial check on your credit history, which means you can get a professional opinion before you make any full applications.

No credit checks, no footprints on your credit file. Just a professional evaluation from a very experienced team.

How to install Windows 10 in a virtual machine

#windows #xp #virtual #machine #download

How to install Windows 10 in a virtual machine, NEF2.COM

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How to install Windows 10 in a virtual machine

Windows 10 is officially available to the world, and it s actually a fairly solid release. It s not perfect, but it s still worth checking out for the novelty factor alone. That being said, upgrading a production machine immediately after a major OS release is typically frowned upon. For those of us who want to try out all the new features without putting our productivity in jeopardy, virtualization is the best bet for the time being.

Thankfully, setting up Windows 10 in a virtual machine isn t particularly difficult. I ll walk you through the process from tip to tail, and by the end of this post, you ll be ready to try out Cortana and the new Xbox app .

VirtualBox installation

1. Download the Windows 10 ISO

First off, head over to the Windows 10 download page. and select which edition you want to download. Click Confirm, choose your language, and click Confirm again. At this point, you ll be given the option to pick between the 32-bit and 64-bit versions of the OS. For the purposes of this walkthrough, I m using the 64-bit English ISO, but go with whatever works for your set-up.

2. Create a new virtual machine

Go to the VirtualBox website, and download the latest version of Oracle s free, open source software. Go through the installation process, and then launch the application. Press the New button, and name your virtual machine. Make sure your Type is set to Microsoft Windows, and your Version is set to Windows 10. Just make sure you match the x64 version with a 64-bit VM, and the x86 version with a 32-bit VM.

3. Allocate RAM

Now, you need to decide how much RAM you want to allocate for this VM. For the x86 version, you ll need at least 1GB of RAM. For the x64 version, you ll need 2GB. I have 16GB of RAM in my desktop, so I decided that 4GB was right for my configuration. Whatever you decide, just make sure you stay in the green. If you allocate too much RAM, you ll end up with serious performance issues.

4. Create a virtual drive

Next, you need to create a virtual drive. Microsoft says that 16GB is the minimum space needed for the 32-bit version, but 20GB is required for the 64-bit version. I decided on a 50GB virtual drive on my desktop, but feel free to make it as large as you need. Just be sure that you have enough space on your actual hard drive to handle the size of your virtual drive.

5. Locate the Windows 10 ISO

Now, go into the settings for this virtual machine, and navigate to the Storage tab. Click the disc icon with a green plus next to Controller: SATA. Click Choose disk, and then locate the Windows 10 ISO you downloaded earlier.

6. Configure video settings

Before you jump in and start installing Windows 10, move over to the Display tab. You can configure how much video memory you re willing to allocate to the virtual machine, but make sure you stay in the green. You can also toggle on 3D and 2D acceleration in hopes of better performance, but the VirtualBox user manual lists them as experimental, so it s possible that you may run into some quirks.

7. Launch the installer

With all of that setup finished, press the Start button in VirtualBox, and begin the Windows 10 installation process. Follow the instructions on the screen, and you re well on your way. You ll eventually be prompted for your credentials, so provide your Live.com username and password. This is how you ll log into your account in Windows 10.

8. Install VirtualBox guest additions

Once you re at the Windows 10 desktop, you ll need to install all of the proper drivers for VirtualBox. In the VirtualBox UI, go to Devices, and then select Insert Guest Additions CD image. Navigate to that disc image in Windows Explorer, and run the installer. Once you ve gone through the entire process, you ll need to reboot the VM.

9. You re ready to rock

Back at the desktop, you can finally use full-screen mode at the proper resolution. In the VirtualBox menu, go to View, and select Switch to Fullscreen. For the most part, this is now the same experience you d have running it natively. Enjoy yourself, and feel free to poke around all the new features.

Just a quick caution. If you have Hyper-V running in Windows 8.x, you must first disable it and reboot, otherwise you cannot install Windows 10 in Virtualbox or VMware Player without an error. You can then re-enable Hyper-V after the installation.

Windows 10 looks near identical to 8 with with an app happy start menu and start screen, since the menu can expand fully. As apps can now be on the desktop, Windows looks like a tablet-based system even more. Retro computer users from xp or before may not enjoy this at all, aside from those only missing the start menu. Windows 8.0 was near identical to 7 if you ignored the app screen. Some features were already notable in 7, that were for use in 8, such as explorer windows being able to stick to the edges of the screen.

Many primarily disliked 8 because of the Metro design of multicoloured tiles on a blue background (an aquired taste). The media eventually changed their optimistic initial reviews of 8, in order to stay on the public s side. The trolling sheep soon started kicking online and commenting without even trying the system for long, and for the majority, not at all. The Metro design isn t going anywhere, and is clearly staying with 10. At least the app screen was separate in 8, and not hard to use. Fact it was actually just as fast with a mouse than a touchscreen using scrollwheel, and not as awkward as a touchpad. Windows 10 s control in it s full screen app mode will be no different. If you couldn t shut down an app or shut off your system in 8, then you missed the intro upon first boot, as windows actually told how to do it.

Windows 10 is 8.1 with a menu, more custom features and device networking options, and the critics will rave. There s nothing wrong with that if it lives up to it s claims, and 8.1 users will upgrade no doubt, but will be also laughing in the process at those that thumbed down 8 and 8.1, are now using a very similar system. It s success will be all based on hype, so I would bet if 10 was actually named 8.3, it would not be as hyped up as it is now. Still upset? You could always give up on 8.1 and 10 and have a go with Linux, or buy apple, but you can t just hope everything will come to you or work correctly without being shown. Those OS are also very different to windows, and linux and it s much needed terminal might be too much for some, which you will need to often use quite often (the equivalent of DOS commands). I m afraid with any change, users just have to learn.

ps If you want to try Linux, Mint is the closest you will get to a traditional windows environment. If you don t rely on major brand name software or videogames, then it s worth a try. You can boot it up from cd to try without installation.

you hit the nail on the head precisely!
and dealing with the the new start screen
takes about 20 minutes to get accustomed to
it s all good, really 🙂

BTW: Excellent comment insightful, well-written, honest THANKS
for adding REAL CONTENT to the interweb . )

Accept credit cards online: Visa, Mastercard, American Express, Discover, how to accept credit cards on your phone.

#How #to #accept #credit #cards #on #your #phone

Accept credit cards online: Visa, Mastercard, American Express, Discover, how to accept credit cards on your phone., REMMONT.COM

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Let’s not overcomplicate this:

You want to accept Visa, Mastercard, American Express,

and Discover on your invoices. This is the place.

How to accept credit cards on your phone How to accept credit cards on your phone

Customers can pay your invoices on their computer or mobile device

How to accept credit cards on your phone

Set up automatic billing for recurring invoices

How to accept credit cards on your phone

Take payments on the phone or in person.

How to accept credit cards on your phone

Great time saving features

  • Accept credit cards on the invoices you send
  • Set up recurring billing for your repeat customers—charge a card and send a receipt without lifting a finger
  • Customers pay faster! When paid by credit card, most invoices get paid in 7 business days or less
  • Fast transfers: Money in your account 2 days later
  • Get set up in seconds
  • Take payments over the phone or in person, too
  • Connects seamlessly with Wave’s free invoicing and accounting software
  • Take Visa, Visa Debit, Mastercard, Mastercard Debit, American Express, and Discover
  • PCI certified and secure

How to accept credit cards on your phone

How to accept credit cards on your phone How to accept credit cards on your phone

Low fees, easy to understand

No hidden fees or monthly charges. Just a simple fee you can count on.

Money transfers to your account in just 7 business days!

No hidden fees or monthly charges. Just a simple fee you can count on.

Money transfers to your account in just 2 business days!

No hidden fees or monthly charges. Just a simple fee you can count on.

Money transfers to your account each week!

What are you really paying?

Traditional credit card processing (“merchant services”) teases with an extraordinary rate that has lots of exceptions.

A teaser rate of “1.9%” can quickly turn into 3%, 4% or more, without you even knowing it.

Credit card processing may be unavailable

If your country isn’t on our list, you can still use Wave’s 100% free invoicing and accounting software to run your business better.

Do you process more than $20,000 per month in credit card payments?

We want to help you get started with Wave. Contact our sales team.

How to accept credit cards on your phone

Start taking credit cards today! Accept credit cards and bank payments on your invoices for as little as 1% per transaction.

Payment processing may be unavailable

If your country isn’t on our list, you can still use Wave’s 100% free invoicing and accounting software to run your business better.

Payments by Wave: Fast and easy

credit card and bank payments

Two convenient ways for your customers to pay your invoices

online, for as little as 1% per transaction.

Why choose Payments by Wave?
  • Your invoices and payments automatically flow into your Wave accounting records. Never lose track of payments again.
  • Get your invoices paid by credit card or from your customer’s bank account for a low fee.
  • Faster payments mean better cash flow.
  • Certified bank-grade security to protect you and your customers.
  • No hidden fees.

Set up a free Wave account and accept payments for a low fee.

Unlimited invoicing, accounting and expense tracking are included, 100% free.

How to accept credit cards on your phone

Credit Card Payments

Customers can pay by any major credit card right from your invoice.

to get paid out

How to accept credit cards on your phone

Bank Payments

Customers can pay straight from their bank account.

to get paid out

Set up a free Wave account and accept payments for a low fee.

Unlimited invoicing, accounting and expense tracking are included, 100% free.

Cash in on cashless payments

Customer convenience

Your customers want to pay online. 58% of small businesses are regularly asked by their customers to accept credit cards.

How to accept credit cards on your phone

How to accept credit cards on your phone

Faster payments

Wave data shows that you’ll get paid 3x faster when you accept credit cards and bank payments.

How to accept credit cards on your phone

Increased sales

Sales grow when you accept cards. In one survey, 83% of small businesses that accepted credit cards saw increased sales.

MarketWired Survey Data Suggests the Death of Checks Cheques

Small Business Trends Cash Isn’t Always King: Accepting Credit Cards Can Increase Your Business

Do you process more than $20,000 per month in credit card payments?

We want to help you get started with Wave. Contact our sales team.

How it works

How to accept credit cards on your phone

Send your invoices

Email invoices with a secure “Pay Now” button after you’ve turned on the online payments option.

How to accept credit cards on your phone

Get paid online

Customers can pay instantly by credit card or secure bank payment when they view the invoice online.

How to accept credit cards on your phone

Money is deposited

You’ll receive the money in your bank account in 2 business days for credit card payments and 4 7 business days for bank payments.

Some of the great features you’ll enjoy

  • Online payments at low rates
  • No hidden fees
  • All major credit cards accepted: Visa, Visa Debit, Mastercard, Mastercard Debit, American Express and Discover
  • It’s convenient: Your customers don’t want to go hunting for checks cheques and cash, and you shouldn’t have to chase paper to get paid
  • Get paid out in 2 business days with credit card payments and 4 7 business days with bank payments
  • Take credit card payments over the phone, online or in person
  • Set up recurring billing with automatic payments for your repeat customers
  • Bank-grade security for all online payments
  • Automate your bookkeeping: Your payments connect seamlessly with your accounting records, to keep you organized without lifting a finger

How to accept credit cards on your phone

Part-time Evening Courses, college evening courses.

#College #evening #courses

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Part-time Evening Courses

This course is not available on the online application form.

Autumn 2017 Brochure of Part-time Evening Courses available here.

See below for our selection of PDF’s relating to Evening Courses at Rathmines College

These courses aim to help people improve their knowledge and skills for work or further study in the area. There are courses offered in the areas of Start Your Own Business and Introduction to Digital Marketing & Buiness

Leaving Certificate preparation courses

For the Spring Programme 2017 we are offering Ordinary Level Leaving Certificate Maths for 10 weeks (Paper 2 Revision). We also offer short preparation courses for the oral examinations in Leaving Cert French, Irish and Spanish.

Lifestyle and leisure courses

We offer a wide range of courses to improve personal well being, express your creativity, learn more about fascinating subjects or take up a hobby. Courses range from Fundamentals of Drawing, Bellydancing, Musical Theatre (Burlesque Style), Drama & Acting, and Yoga. Perhaps you just want to sit back and enjoy listening to a talk on the Humanities e.g. History of Ireland or study on either our Counselling & Psychotherapy course or UCD’s Psychology course. Health and Alternative nutrition course. If you are feeling creative, then Interior Design or even Creative Writing may be your best choice. Other course options include, Dressmaking, Fibre (Weaving, Crocheting, Fleting, Embroidery & Fabric Manipulation), Jewellery Making, Mindfulness, Floiristry Design (Bouquets, Wreaths and Garlands for all occasions) and Bridge.

Computers for leisure and work

These courses aim to improve people’s computer skills for their leisure or work. We have courses at all levels of competency, from complete beginner to higher levels.

You can study Computer Skills at any level, Keyboarding, Typing Skills and Word Processing. Other courses include: Computers for the 21st Century (Increase your confidence and knowledge using your computer or tablet), Computer Application for the WOrkplace, Digital Photography & Photshop, discover Adobe Illustrator, Video Art & Filmaking and Internat Art & Web Design.

Languages are one of our specialist areas. We currently offer courses in English for Speakers of Other Languages, French, Irish (adult beginners, non natives welcome), and Spanish.

Most of these are offered at a range of levels with native-speaker teachers.

Evening courses calendar

Classes are held on Monday and Tuesday evenings. Courses vary in length from short ten-week courses, lasting only one term in autumn or spring, to twenty-five week courses, which last from September to June. The calendar follows the day-time academic calendar with breaks at Halloween, Christmas, February and Easter.

Enrolments and Brochure

Enrolments take place in September and again in January each year. There is an Evening Courses brochure available here. In order to avoid disappointment, we advise you to keep an eye out for our brochure so that you are ready for enrolment day.

On enrolment day you will have the opportunity to talk to a member of staff about the course which interests you.

Fees vary for these courses but are always very reasonable because the charges are based on what it costs us to provide the course, nothing more. Fees are paid on enrolment night. See autumn or spring edition of evening courses brochure for more details.

Having got the taste for study in the evening, we would encourage those who are interested to consider full-time study with us during the day. As you will see from this brochure, there are many full-time courses which relate to our part-time evening programme. We would be happy to discuss your options with you.

Courses for everyone

We are committed to the principle of lifelong learning for everybody. Adults of all ages from 18 to 108 are welcome to participate on our courses. We have students from far and near and many different communities. Some of our students are pursuing a hobby while others are developing their knowledge and skills in a particular subject area for their working lives.

All are welcome.

We make changes and additions to our programme each year in order to provide an interesting and varied menu of courses. We aim to put on courses that people need and want. We are therefore very interested in hearing from you about any courses which you would like to see us provide for you.

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Compro Tu Auto Usado – Compra de Autos Chocados, autos usa.

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Nuestra empresa se dedica a la compra autos usados en buen estado, chocados, volcados, fundidos, picados, siniestrados. Gran experiencia en el sector. AГ±os de permanencia en el mercado.

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Compramos todas las Marcas

Nuestro equipo de trabajo habla de la trayectoria de responsabilidad y compromiso con nuestra tarea de ofrecer respuestas y soluciones adecuadas a quien no sepa quГ© hacer con su automГіvil usado en buen estado,chocado, fundido o siniestrado.

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Autos Usados Argentina

Viajamos por toda la Argentina y provincia de Buenos Aires y Capital Federal comprando; autos, camionetas, 4×4, furgones. Chocados, usados, volcados, fundidos, picados, siniestrados. Todos los modelos.

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HEIDELBERGER DRUCKMASCHINEN AKTIE, Aktienkurs, Kurs, (731400, DE0007314007), börsenkurs.


Heidelberger Druckmaschinen Aktie WKN: 731400 / ISIN: DE0007314007

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Nachrichten und Videos zu Heidelberger Druckmaschinen

Nachrichten zu Heidelberger Druckmaschinen AG

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  • Alle
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  • meistgelesen

Um Ihnen die bersicht ber die gro e Anzahl an Nachrichten, die jeden Tag f r ein Unternehmen erscheinen, etwas zu erleichtern, haben wir den Nachrichtenfeed in folgende Kategorien aufgeteilt:

Relevant: Nachrichten von ausgesuchten Quellen, die sich im Speziellen mit diesem Unternehmen befassen

Alle: Alle Nachrichten, die dieses Unternehmen betreffen. Z.B. auch Marktberichte die au erdem auch andere Unternehmen betreffen

vom Unternehmen: Nachrichten und Adhoc-Meldungen, die vom Unternehmen selbst ver ffentlicht werden

Peer Group: Nachrichten von Unternehmen, die zur Peer Group gehцren

Videos zu Heidelberger Druckmaschinen AG




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Analysen zu Heidelberger Druckmaschinen AG

Um die Ьbersicht zu verbessern, haben Sie die Mцglichkeit, die Analysen fьr Heidelberger Druckmaschinen AG nach folgenden Kriterien zu filtern.

Buy: Kaufempfehlungen wie z.B. “kaufen” oder “buy”

Hold: Halten-Empfehlungen wie z.B. “halten” oder “neutral”

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Der Anleihen-Score von Moody’s bezieht sich auf die kьnftige Bonitдt des Unternehmens bzw. des Emittenten. Hier spielen nicht nur die Kreditwьrdigkeit, sondern auch Wдhrungskurse, gesamtwirtschaftliche Entwicklung und die Laufzeit der jeweiligen Papiere eine Rolle. Es ist ein langfristiger Score und weniger volatil als der Risk-Score. Der Moody’s Unternehmens Score basiert auf Analysten Einschдtzung.

Moody’s Analytics Risk-Score

Der Moody’s Analytics Daily Credit Risk Score stuft das Kreditrisiko durch Aktien- und Kursrisiken einzelner Unternehmen ein. In diesem Score werden Punkte von 1 bis 10 vergeben. 1 bedeutet ein niedriges Risiko, 10 ein hohes. Die Bewertung wird tдglich basierend auf der Beurteilung des jeweiligen Unternehmens durch Bilanzen, Kreditrisiko, Wahrscheinlichkeit einer Dividendenzahlung und Vorgaben des Aktienmarktes erstellt. Der Risk-Score unterliegt kurzfristigeren Дnderungen als der Unternehmens-Score, die Faktoren werden mathematisch erfasst und ausgewertet.

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Publié parÉmilie Bouton Modifié depuis plus de 3 années

Présentations similaires

Présentation au sujet: “LA GRANDE DISTRIBUTION ALIMENTAIRE”— Transcription de la présentation:


Quatre formats : Les hypermarchés Magasins de détail alimentaire de plus de m² de surface : assortiment de à références ; Les supermarchés Magasins de détail alimentaire de plus de 400 m² et de moins de m² de surface: assortiment de à références ; Les maxi-discounters Magasins alimentaire de moins de m² de surface : assortiment limité à références – produits sans marque ou à marque unique. Les entrepôts et commerce de gros Les entrepôts, les grossistes dont le Cash and Carry.

4 Nombre de points de vente : 12 285 Nombre de salariés 2013 : 601 633

Masse salariales (milliard d’€) : 14,5

5 89,4% des salariés en CDI (contrat à durée indéterminée)

Age moyen 17% de moins de 26 ans 27% de moins de 30 ans 39% de moins de 35 ans 35% de + 45 ans Part des 55 ans et plus : 9% Les contrats étudiants représentent environ 4% des contrats en 2013 89,4% des salariés en CDI (contrat à durée indéterminée)

6 Part des femmes 57% Part du temps partiel 28% La part du temps partiel est supérieure chez les femmes, 43% contre 13% pour les hommes. Employés/ouvriers 85% Agents de maitrise 7% Cadres 8%

7 La distribution alimentaire réalise le tiers (32,6%) des ventes en valeur du commerce de détail et de l’artisanat commercial

Tous les salariés sont couverts par la convention collective nationale issue des négociations syndicales. Dans les plus grands groupes , des accords collectifs par enseigne améliorent cette convention .

10 Négociations syndicales dans le secteur

L’emploi des seniors / Le contrat de génération Permet l’embauche d’un jeune avec le maintien dans L’emploi d’un salarié senior qui doit favoriser La transmission des savoirs -avec des aides financières de l’état La formation Mise en place de moyens pour que le travailleur accède à la formation tout au long de sa vie professionnelle –le Compte Personnel de Formation. Accords pour faciliter l’entrée dans le monde du travail des travailleurs les plus fragiles : jeunes sans diplôme-salariés +50ans… L’emploi des travailleurs handicapés Mesures d’accompagnement pour recruter ou garder dans l’entreprise Les travailleurs en situation de handicap.

11 Difficultés sociales L’emploi et les jeunes : en France le taux de chômage est élevé : 10% *Jeunes de -25ans : 23% *seniors +55ans : 8% La crise économique et les politiques d’austérité des gouvernements qui entrainent : la baisse du pouvoir d’achat des travailleurs des réformes qui déréglementent le droit du travail et diminuent les acquis sociaux des travailleurs.

Taux de syndicalisation faible : 8% Force Ouvrière 3e organisation syndicale au niveau national FGTA- FO 1ere organisation syndicale dans le commerce de détail alimentaire. La précarisation des contrats de travail rend la syndicalisation plus difficile notamment chez les plus jeunes.

Travail de recrutement-assistance avec des développeurs régionaux. Accès pour tous les syndicats aux services de la fédération : communication-tracts-réseaux sociaux-magazines-juridique. Projet de e-learning pour une formation syndicale accessible à tous les adhérents.

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Home owners insurance quotes! \ Video

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Associazione Italiana Cheratoconici ONLUS, rinnovo esenzione ticket.

#Rinnovo #esenzione #ticket

Rinnovo esenzione ticket

Casella postale n.50

presso l’Ufficio Postale di

25023 Gottolengo (BS)

0309951033 (per A.I.CHE.)

Per mantenere attiva un’associazione e per fare in modo che possa crescere nel tempo ed ottenere risultati sempre piщ importanti, и necessario affrontare piccole spese ed investimenti.

La nostra и ancora una piccola realtа e quindi un qualsiasi contributo anche se piccolo puт essere grande ed indispensabile per tutti noi . Leggi tutto.

Anche quest’anno puoi destinare il 5 per Mille dell’IRPEF a sostegno dell’associazione.

I nostri dati necessari alla donazione sono:


Questa scelta non comporta una spesa per te, al contrario per la nostra associazione potrа essere un concreto aiuto.

Il 5 per Mille non sostituisce l’8 per Mille (destinato alle confessioni religiose) e non costa nulla per il cittadino contribuente. E’ una quota di imposte a cui lo Stato rinuncia per destinarla alle organizzazioni no-profit come A.I.CHE. per sostenere le loro attivitа (se non effettuerai alcuna scelta, il 5 per Mille resterа allo Stato)

Ulteriori informazioni sono disponibili sul nostro sito cliccando qui

Siamo lieti di annunciarvi un’importante iniziativa promossa dal congresso S.I.TRA.C. e dallo staff della dr.ssa Rita Mencucci con il patrocinio del Comune di Firenze. Saranno due giornate di screening gratuito per i giovani tra i 15 e 25 anni che si svolgeranno presso la clinica mobile in Piazza Santa Croce a Firenze, Domenica 22/04/2018 e Domenica 06/05/2018 dalle 10:00 alle 17:00. Noi come associazione contribuiremo attivamente allo svolgersi dell’evento. Vi aspettiamo per incontrarci.

L’ A.I.M.O., Associazione Italiana Medici Oculisti, in collaborazione con A.I.CHE. Associazione Italiana CHEratoconici, organizza una settimana di screening gratuito per la diagnosi precoce del cheratocono dal 5 al 10 Giugno 2017.

La campagna и rivolta a chi abbia uno o piщ parenti affetti da cheratocono e a chi abbia un’etа compresa tra i 7 e i 35 anni e accusi uno dei seguenti sintomi: peggioramento rapido e progressivo della visione e astigmatismo ingravescente mal correggibile con correzione ottica.

Mi viaje a Australia, viaje australia.

#Viaje #australia

Mi viaje a Australia

miércoles, 29 de diciembre de 2010

Mi viaje a Australia

Realizamos un recorrido de 10.102 kilómetros (según Google) en avión, furgoneta, autobús, camión 4×4, canoa, piragua.

Organizando el viaje

En cualquier caso creemos que el mejor momento para viajar es al final de las estaciones, de la húmeda porque encontrarás las cataratas al máximo de su capacidad (aunque a muchas no podrás llegar) y de la seca porque además de que empiezan a subir las temperaturas, en Parques Nacionales como Kakadú las charcas se reducen bastante y la densidad de animales que se acercan a beber te facilitará observarlos.

El visado

Hace falta visado para viajar a Australia?

El seguro de viaje

Visita mi post sobre seguros de viaje en el blog general.


Cuándo es mejor viajar a Australia?

Aduanas: medicamentos, fruta.

Qué se puede llevar a Australia?

Qué ver y cuanto tiempo

Qué ver en Australia? Qué es imprescindible en Australia?

Guías de viaje Australia

Nos llevamos la de National Geographic , puesto que la Lonely Planet no existía en español en 2007. Lo cierto es que es una buena revista, con muy buenas fotos, pero con muy pocas direcciones de interés y pocos detalles (numeros de teléfono, etc.) Mucho mejor la Lonely o incluso la Rough Guide , porque intuimos que muchos alojamientos y puntos turísticos sufrían en efecto Lonely , al aparecer en la famosísima guía empiezan a estar saturados.

Precios en Australia

Vuelo sydney- ayers rock: 176 euros

Londres. vuelo perdido!

Nos mandaron a dormir a un hotelito cerca del aeropuerto de la cadena Holiday Inn que estaba bastante bien y después de desayunar nos fuimos a visitar algo de Londres (yo ya lo conocía) para no perder el tiempo y para ver si se nos iba el cabreo. Era domingo, por lo que nos dirigimos en metro al mercadillo de Candem. Comimos por allí en algún puesto de esos de comida oriental y sobre las 5 o así nos fuimos hacia el aeropuerto.

El Urulu

Según los aborígenes, el Ulurú cuenta le historia del enfrentamiento entre dos serpientes creadoras del mundo.

El aeropuerto parece de juguete de esos que sólo se ven enlas películas, tiene una única pista y sólo 2 vuelos al día. Desde la puerta salen cada hora unos autobuses gratuitos que te trasladan a la zona de los alojamientos turísticos, a unos pocos minutos de allí.

La zona de alojamientos turístico está plenamente integrada en el paisaje, y hay alojamientos de lujo hasta camping. Nosotros nos alojamos en el YHA en habitación de 4, pero sólo había una japonesa y nosotros 2. Fue el único sitio en el que compartimos alojamiento.

A la noche, cenamos en el bar del alojamiento, una barra en la que se compraba la carne o pescado crudo y que luego tú mismo te hacías en unas parrillas. No era caro y la variedad que había era de lo más exótico: canguro, cocodrilo, tiburón y otras especies. Nosotros optamos por el canguro que estaba delicioso.

Para que nadie se asuste, el amanecer es sobre las 6 de la mañana, con lo cual te tienes que levantar a eso de las 5:15. ufffff que palizaaaa.

Al mediodía fuimos a comer y a las 16h nos vino a recoger un autobús que estaba haciendo una ruta de mochileros con destino Alice Springs, el corazón del Outback. Ya lo teníamos contratado desde España también (cuesta unos 50 euros). Otras opciones: greyhound bus.

Bere succo di mirtillo fa bene per via dei i suoi effetti e proprietà, di proprietà.

#Di #proprietà

Succo di mirtillo

Bere succo di mirtillo ogni giorno, è una semplice e gustosa operaione che favorisce il benessere dell’organismo.

Il succo di mirtillo è una bevanda dissetante e ricca di antiossidanti. I mirtilli sono il frutto di piccoli arbusti sempreverdi che crescono nelle paludi acide delle regioni più fredde dell’emisfero settentrionale, gli arbusti di mirtilli rossi crescono particolarmente bene in torbiere acide, così si spiega il gusto forte e acido tipico del mirtillo.

Succo di mirtillo

Diffusione del mirtillo

La parte settentrionale degli Stati Uniti è di gran lunga il più grande coltivatore di mirtilli rossi in tutto il mondo, lo stato del Wisconsin da solo, costituisce più della metà del totale delle coltivazioni degli Stati Uniti, il Canada è il secondo maggior produttore, con l’Europa dell’Est, il Cile e gli Stati baltici che forniscono la percentuale complessiva di coltivazione dei mirtilli rossi in tutto il mondo, solo il 5% dei mirtilli raccolti sono effettivamente venduti ai consumatori , questo perché il sapore forte del mirtillo supera la sua dolcezza, e risulta troppo aspro per i gusti della maggior parte dei popoli, infatti i mirtilli sono in realtà trattati (di solito con elementi zuccherati) e composti con altri additivi fino ad ottenere altri prodotti, di cui il succo di mirtillo è il più popolare, seguito dalla salsa di mirtilli e dai mirtilli secchi, questi arbusti sono piccole bacche che inizialmente sono bianche, ma diventano rosse quando sono mature, sono bacche commestibili e vengono utilizzate per produrre tanti prodotti tra cui il più popolare è il succo di mirtillo, che nella sua forma pura è amaro e acido, tuttavia, addolcito con l’aggiunta di aromi artificiali, diventa un prodotto di largo consumo.

Vantaggi del consumo di succo di mirtillo

Oltre ad essere una bevanda gustosa e rinfrescante, il succo di mirtillo presenta una serie di vantaggi per la salute. Anticamente, le popolazioni primitive utilizzavano i benefici del succo di mirtillo per le sue proprietà curative, i mirtilli venivano preparati come un impacco per disinfettare le ferite e venivano anche bevuti per aiutare la digestione. Oggi, i benefici per la salute più popolari e conosciuti del succo di mirtillo sono legati alla sua capacità di contribuire a prevenire le infezioni del tratto urinario , la ricerca indica inoltre che i benefici per la salute del succo di mirtillo si estendono anche alle proprietà anti-cancro, alla prevenzione renale e alla riduzione del rischio di malattie cardiache.I mirtilli rossi sono un tipo di bacche acide ricche di vitamina C che contengono eccellenti proprietà di protezione dalle infezioni e sono fonte di sostanze fitochimiche conosciute come tannini condensati, potenti antiossidanti con effetto anti-infiammatorio, che non diminuiscono il loro potere con la cottura. La convinzione più diffusa riguarda i vantaggi del succo di mirtillo per curare le infezioni del tratto urinario, ma gli studi hanno anche dimostrato che ci sono altri benefici prodotti da questo semplice frutto, esso può infatti contribuire ad evitare la comparsa di problemi di salute come l’ulcera e disturbi gengivali. Il consumo di succo di mirtillo migliora il sistema circolatorio del corpo, cura e previene malattie come la cistite, fornisce sollievo per i pazienti asmatici, i tannini condensati dei mirtilli inibiscono l’ossidazione del colesterolo cattivo e di conseguenza proteggono dalla comparsa dell’arteriosclerosi, contribuiscono inoltre al mantenimento dell’apparato cardiovascolare, il succo di mirtillo previene anche la formazione di calcoli renali.

Infezioni del tratto urinario

Il succo di mirtillo, soprattutto il mirtillo rosso, è efficace per prevenire e curare alcune infezioni delle vie urinarie, gli alti livelli di proantocianidine oligomeriche minerali contenuti nel succo di mirtillo aiutano a scovare i batteri nocivi del tratto urinario che possono causare un certo numero di infezioni dolorose, questi minerali sono potenti antiossidanti, le proprietà anti-infiammatorie, anti-cancerogene e anti-microbiche si aggiungono ai benefici prodotti dal consumo del succo di mirtillo, gli acidi presenti nel succo rendono acida l’urina, l’acidità non permette ai batteri di attaccarsi alla parete della vescica e di causare infezioni.

Ulcere allo stomaco e cancro

Oltre a combattere i batteri il succo di mirtillo è in grado di distruggere il batterio Helicobacter pylori, un batterio che si annida nel muco gastrico dello stomaco, questo ceppo di batteri provoca dolorose ulcere gastriche, danneggiando il rivestimento protettivo delle mucose dello stomaco, in casi gravi di infezione, questo può portare perfino a tumori allo stomaco.

Infezioni delle vie respiratorie

Il succo di mirtillo aiuta a combattere alcuni ceppi del batterio Haemophilus influenzae, che è un tipo di batterio che si trova nel naso e nella gola della maggior parte dei bambini e degli adulti sani. Questo batterio è il responsabile di dolorose complicazioni respiratorie e della maggior parte delle forme di otite che si presentano nei bambini. Il succo di mirtillo inibisce i batteri impedendogli di infettare le cellule, non consente cioè ai pili del batterio di attaccarsi alla superficie cellulare.

Malattie cardiovascolari

I polifenoli presenti nel succo di mirtillo migliorano la salute del sistema cardiovascolare, queste sostanze chimiche sono ritenute capaci di aumentare i livelli di colesterolo buono e ridurre i livelli di colesterolo cattivo nel sangue riducendo così il rischio di malattie cardiovascolari. Il succo di mirtillo contiene inoltre due potenti antiossidanti, gli antociani e i resveratroli, noti per la loro capacità di proteggere dalle malattie cardiache. L’uva rossa, il vino, i mirtilli, le bacche rosse e i mirtilli rossi sono tutte ottime fonti di questi due tipi di antiossidanti. La ricerca ha dimostrato che i mirtilli contribuiscono a migliorare notevolmente il nostro profilo del colesterolo, proteggono il colesterolo cattivo dall’ossidazione, un processo che indurisce le arterie causando l’aterosclerosi, inoltre, questi antiossidanti aumentano i livelli di colesterolo buono e aiutano a mantenere il sangue leggero, due fattori questi che riducono notevolmente l’incidenza di malattie cardiache.

Salute orale

Il succo di mirtillo è molto efficace per ridurre i batteri nocivi nella bocca, bere un solo bicchiere di questo succo è decisivo per inibire la crescita batterica nelle gengive, per prevenire la formazione di placca e migliorare l’igiene orale.

Calcoli renali

La stragrande maggioranza dei calcoli renali sono a base di calcio, il calcio si lega con altri minerali come i fosfati formando pietre dure insolubili, il succo di mirtillo è particolarmente indicato per prevenire i calcoli in quanto la sua acidità contribuisce a mantenere i reni e la vescica intatti. Il succo di mirtillo aumenta l’acidità delle urine, e la successiva modifica del pH impedisce al calcio di unirsi con altri minerali evitando la formazione dei calcoli renali.

I mirtilli possono essere utili anche per superare un attacco di asma : schiacciare i mirtilli e bollirli in acqua distillata, daranno un efficace sollievo in quanto le bacche contengono principi attivi simili ai farmaci prescritti dal medico per il controllo dell’asma.


Nuovi studi hanno dimostrato la capacità del succo di mirtillo di prevenire l’ulcera peptica inibendo l’adesione dei batteri ad alcune parti dello stomaco.


Nuove ed entusiasmanti ricerche hanno dimostrato che il succo estratto dalla pianta dei mirtilli potrebbe aiutare a prevenire danni neurologici al cervello e potrebbe avere dei sorprendenti effetti anti invecchiamento.

Considerazione finale sul succo di mirtillo

Se si vuole sfruttare al meglio il beneficio del succo di mirtillo bisogna acquistare il succo di mirtillo organico disponibile nella maggior parte dei negozi di alimenti naturali, o provare artigianalmente un succo fatto in casa mescolando un altro succo di frutta puro al succo di mirtillo per diluire il suo forte sapore. I benefici per la salute sono quasi completamente persi se si beve la versione del succo di mirtillo zuccherato che si trova comunemente al supermercato.

Agriturismo in provincia di Treviso, b&b susegana.

#B&b #susegana

Agriturismo Treviso

Le Noci

Tarzo ( Treviso )

  • Trattamenti: Pern. e colazione
    • Posti letto: 14 in 6 alloggi
    • Alloggio piщ grande: 6 posti letto

Antica casa rurale a conduzione familiare ristrutturata rispettando l’ambiente. Si trova sulla sommitа di una collina, in posizione soleggiata, nel cuore della zona del Prosecco.

Borgo d Asolo

Altivole ( Treviso )

  • Trattamenti: Pern. e colazione, Solo pernottamento
    • Posti letto: 17 in 9 alloggi
    • Alloggio piщ grande: 2 + 2 posti letto

Agriturismo ai piedi dei colli Asolani, a pochi passi dal centro storico di Asolo, offre alloggio in camere ed appartamenti.

Ai Casoni

Codognи ( Treviso )

  • Trattamenti: Mezza pensione, Pern. e colazione, Solo pernottamento
    • Posti letto: 25 in 8 alloggi
    • Alloggio piщ grande: 4 + 1 posti letto

Nel cuore delle suggestive colline di Conegliano, l’azienda agricola comprende un casale ristrutturato adibito ad agriturismo e ad alloggi, con vendita di prodotti tipici.

Villa Serena

Montebelluna ( Treviso )

  • Trattamenti: Pern. e colazione
    • Posti letto: 14 in 4 alloggi
    • Alloggio piщ grande: 4 + 1 posti letto

Elegante dimora in stile settecentesco incorniciata dalle colline della Costa d’Oro del Montello, nel verde della pianura Trevigiana. A gestione familiare e location per cerimonie.

Ca Florian

Zero Branco ( Treviso )

  • Trattamenti: Pern. e colazione
    • Posti letto: 18 in 9 alloggi
    • Alloggio piщ grande: 2 + 1 posti letto

Azienda agricola situata all’interno del Parco Naturale del Sile offre soggiorno in camere tra le tradizionali coltivazioni di radicchio rosso.

Villa Toderini

Codognи ( Treviso )

  • Trattamenti: Pern. e colazione, Solo pernottamento
    • Posti letto: 25 in 5 alloggi
    • Alloggio piщ grande: 2 + 1 posti letto

Vecchia casa colonica del ‘700 a Codognè, trasformata in relais di campagna offre accoglienza in camere e appartamento.

Col delle Rane

Caerano di San Marco ( Treviso )

  • Trattamenti: Pern. e colazione
    • Posti letto: 11 in 15 alloggi
    • Alloggio piщ grande: 2 + 2 posti letto

Antica dimora di campagna finemente ristrutturata, in azienda agricola biologica nei pressi di Asolo.

Cа Amedeo

Castelfranco Veneto ( Treviso )

  • Trattamenti: Pern. e colazione
    • Posti letto: 20 in 10 alloggi
    • Alloggio piщ grande: 2 posti letto

A Castelfranco Veneto, in posizione strategica rispetto ai principali capoluoghi del veneto, ospita in mini appartamenti con servizio ristorazione e grande parco esterno.

Relais Dolcevista

Valdobbiadene ( Treviso )

  • Trattamenti: Pern. e colazione
    • Posti letto: 13 in 6 alloggi
    • Alloggio piщ grande: 2 + 1 posti letto

Raffinato Relais immerso nel verde delle colline di Santo Stefano di Valdobbiadene. Offre alloggio in camere e appartamenti con vasca e doccia idromassaggio.

La Paterna

Giavera del Montello ( Treviso )

  • Trattamenti: Pensione completa, Mezza pensione, Pern. e colazione
    • Posti letto: 9 in 5 alloggi
    • Alloggio piщ grande: 2 posti letto

Alle pendici del Montello, il casale con vista sul bel giardino, sui vigneti e sulle colline, offre una vacanza rilassante, una buona cucina stagionale e una calorosa accoglienza.

ECONOMIA FINANZA IT: finanza economia alice it, finanza economia alice it valuta, alice economia azioni.

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Alice economia azioni

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Get Online Car Insurance Quotes, Quick Instant Rates, Trusted Choice, instant online insurance.

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Get Car Insurance Quotes

Most people do everything they can to trim down their cost of living. Insurance is one place you can look to save money. Since no two insurance companies have exactly the same rates, you can potentially find the coverage you need for less by comparing car insurance quotes from multiple companies. But where do you begin?

If you compare car insurance quotes online, you have to provide your personal information online for each company you want to compare. Even then, it is difficult to know exactly what you are getting, and if the coverage addresses your family’s needs.

Most people don’t think to contact an independent insurance agent who will do all this work for you. It’s their job to help you compare multiple auto insurance quotes quickly at no extra charge to you. TrustedChoice.com is your connection point to the 100,000+ independent insurance agents who are waiting to serve you.

Tips for Getting the Best Car Insurance Quotes

  • Determine the amount of coverage you want in each aspect of your policy, including collision, comprehensive ( other than collision ), liability and uninsured/underinsured motorists
  • Choose the amount of deductible you are willing to pay out of pocket if an accident occurs
  • Compare the same coverage amounts and deductibles for each auto insurance quote you review
  • Work with an independent agent who can provide multiple quotes for comparison

Information Agents Need for Accurate Car Insurance Quotes

To get accurate insurance quotes for you, an insurance agent will need a range of information, such as:

  • Vehicle information, including make, model, and year your vehicle was manufactured
  • Annual mileage and how you use the vehicle, such as commuting to work or school
  • A list of all family members who use the car
  • Your home address and where you store the vehicle overnight
  • The type of insurance coverage you need, and any additional coverage you may want, such as towing and roadside assistance

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How to Compare Car Insurance Quotes Quickly

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Enter your ZIP code to get quotes or contact a local agent in the Trusted Choice network today. You can save time and effort and find the best coverage for your needs and budget, fast.

Acceptance Insurance, Florida, cheap fl auto insurance.

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Florida Auto Insurance – Get a Free Quote Online

Cheap fl auto insurance

Acceptance knows what makes a great Florida auto insurance policy: outstanding value for the money and first-rate customer service. We offer value to our customers with a diverse selection of auto insurance products, so you can get the policy that’s right for your needs, including these fundamental types of coverage:

  • Florida requires drivers to carry at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability coverage.

Basic Liability Coverage

Drivers in this state are legally required to carry Florida auto insurance with at least the basic property damage liability coverage. This type of insurance covers the other driver’s property in the event of a collision for which you are at fault. Most serious collisions are far more expensive than that though, so it’s a good idea to consider additional coverage. However, Florida does not require bodily injury liability coverage. This means that if you are at fault in an accident and the other driver incurs accident-related medical expenses, your insurance would not cover any of it. Bodily injury liability insurance is highly recommended in Florida so you will be covered in case of an at-fault accident.

Personal Injury Protection

In Florida, all drivers are legally required to purchase personal injury protection, or PIP. This covers the majority of medical expenses for you and your passengers, regardless of who is at fault in an accident. This coverage also covers, in part, lost wages, all replacement services such as child car, housekeeping or lawn work. It also provides a death benefit.

Comprehensive and Collision Coverage

Adding comprehensive and collision protection to your policy is a smart move. A comprehensive and collision policy will cover your property repair and replacement costs following an accident – not just the other driver’s – and you can even add rental car coverage. Comprehensive coverage applies to things like fire, theft, vandalism and other types of damage, as well. If you’re worried about the monthly payments, Acceptance has you covered. You can always choose a higher deductible to lower your policy premiums.

Uninsured Motorist Coverage

If you want to know that you’re covered in the event of an accident, regardless of the other driver’s insurance status, you will need to add uninsured motorist coverage to your Florida auto insurance policy. This type of coverage will protect you from the high costs of medical bills and repairs resulting from collisions with drivers who were not carrying insurance, or who had inadequate coverage for the scope of the damage. Acceptance Insurance offers a range of uninsured motorist coverage to suit your needs.

What is Decreasing Term Life Insurance – Why Do I Need It, 20 term life insurance.

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Get Quote in Seconds:

20 term life insurance While the majority of people are familiar with whole life insurance policies, many are not aware that there are a variety of other types of insurance policies. While more people have started looking at term life insurance policies because they are a low cost way of replacing income, decreasing term life insurance is even less expensive. Many young people starting out do not look into insurance policies because they believe that they are not affordable, but decreasing term life insurance is very inexpensive and can offer young people the ability to take care of their families if something should happen to them, or pay off debts they may have. If people have looked into mortgage insurance, they see that it is very expensive. An appropriate alternative may be a decreasing term policy. The death benefits decrease each year, along with the premium payments, as you pay down your mortgage. You can purchase a 20 year term life insurance policy where the premiums are locked in for 20 years, or one that gets cheaper each you own the policy.

In the tenuous economic times that we live in, not having insurance can quickly lead a family into dire financial trouble if something happens to a member of the household. Decreasing term life insurance policies allow people to purchase insurance over a set amount of time for a low and fixed monthly premium. Low cost policies such as these allow even low income families to provide for their futures, should anything happen to a member of a family.

Decreasing term life insurance is also a good way to ensure that any large loans, such as business loans or a mortgage, are paid off should something happen to the insured. This type of loan is most commonly attached to house payments, so that should the head of the household pass away, the home will be paid for. This takes a large financial burden off of the beneficiaries, and these policies can be set up so that the term matches the loan or mortgage length.

As the amount money owed on a loan or mortgage decreases, the payout of the insurance policy also decreases. However, no matter what point the insurance premium is paid out, it ensures that the total value of the loan or mortgage is taken care of. Additionally, while the goal of these premiums is to ensure that loans and mortgages are paid off, the payout is still given to the beneficiaries, not a bank. This means that family members are able to use payouts as they see fit and are not obligated to pay off any loans.

While this type of insurance policy does give people the ability to provide for their families, there are some limitations to these policies. To begin with, decreasing term life insurance premiums stay the same, but over the term of the policy, the payout amount decreases. However, the idea is that as the end of the term approaches, people will be making more money and better able to save and invest so that the lower payout amount will still be sufficient. Further, there is no cash surrender value for these types of insurance policies. If someone terminates the policy before the end of the term date, they do not receive any kind of payout. These types of decreasing term policy are usually not available in a no medical exam life insurance policy, meaning the insurance carrier will require you complete a paramedical exam to insure your health is good and you will live out the first few years.

There are few families that would be able to continue on without great financial difficulties if one of the working members of the household were no longer able to provide. Even if the both members of a household work, having income cut in half can prevent people from being able to pay bills and keep up with expenses. Therefore, it is critical that people have some sort of insurance policy to make up for the loss of income.

For people to find out what insurance policy is best and most affordable, there are a number of online insurance calculators that can show people what their premiums would be and the amount of money that an insurance policy can pay out. These calculators are simple to use and offer quotes from a variety of insurance providers

20 term life insurance

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Give the consumer unbiased, objective information on their life insurance needs. Our primary goal is to inform the consumer and not just quote them misleading rates.

Fatture elettroniche on line: uno strumento gratuito delle Camere di commercio per le imprese, fattura elettronica camera di commercio.

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Fattura elettronica camera di commercio

Il sistema delle Camere di commercio mette a disposizione delle piccole e medie imprese italiane un servizio base di compilazione, trasmissione e monitoraggio delle fatture elettroniche indirizzate alla Pubblica Amministrazione, online da oggi allindirizzo https://fattura-pa.infocamere.it

Per fatturazione elettronica si intende la possibilità di emettere e conservare le fatture nel solo formato digitale, così come viene indicato nella Direttiva UE n. 115 del 20 dicembre 2001 e introdotta in Italia dal Decreto Legislativo di recepimento del 20 febbraio 2004 n. 52 e dal Decreto del Ministero dell’Economia e delle Finanze del 23 gennaio che stabilisce le "Modalità di assolvimento degli obblighi fiscali relativi ai documenti informatici ed alla loro riproduzione in diversi tipi di supporto".

La Finanziaria del 2008 impone che ogni fattura destinata alle PA debba essere emessa in formato elettronico in modo da poter transitare per il Sistema di Interscambio nazionale, istituito dal Ministero dell’Economia e delle Finanze e gestito da Sogei S.p.A. (come stabilito dal Decreto del 7 Marzo 2008), attraverso il quale transitano i flussi di documenti contabili tra i fornitori e le Pubbliche Amministrazioni e permette un’importante attività di monitoraggio e controllo delle finanze pubbliche anche per rendere più efficenti i tempi di pagamento della Pubblica Amministrazione.

Il nuovo standard elettronico è regolamentato dal Decreto interministeriale del 3 aprile 2013 numero 55, che oltre a stabilire le regole in materia di emissione, trasmissione e ricevimento della fattura elettronica, fissa al 6 giugno 2014 la data di entrata in vigore dell’obbligo di fatturazione elettronica verso i Ministeri, le Agenzie fiscali e gli Enti previdenziali; il Decreto Irpef 2014 ha successivamente fissato al 31 marzo 2015 la scadenza per tutte le altre Pubbliche Amministrazioni, tra cui anche le Camere di commercio.

New Jersey Car Insurance – Compare Best Car Insurance Companies, the cheapest car insurance in nj.

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New Jersey Car Insurance

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New Jersey car owners have a choice between two types of NJ auto insurance policies: basic or standard. The basic option is the cheapest car insurance in New Jersey, but offers limited coverage. The standard policy costs more, but provides sufficient coverage.

The average car insurance rate in New Jersey is $1,346 a year. The severity and frequency of claims in your neighborhood, your driving record, the type of car you drive and other variables are used by insurance companies to figure out the cost of your policy. That s why the price for the same coverage can vary significantly among insurance companies and why you should compare rates. For example, drivers in Newark ZIP code 07199 can save $1,654 by shopping around. That s because the highest rate among six carriers is $2,734 for that neighborhood, compared to $1,080, the lowest. When shopping for car insurance, use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates for up to six major carriers surveyed to get an idea of what the most affordable car insurance price is in your area. For a more customized rate, choose from among six age groups and three coverage levels.

Cheap car insurance in New Jersey

New Jersey car insurance requirements for basic coverage

The basic policy, which is the cheapest car insurance in NJ, meets only the minimums needed to drive legally in the Garden State. Though you can drive with a basic policy, they are hard to find, as most insurance companies only issue standard policies. A basic policy consists of:

  • Property damage liability coverage of $5,000. Covers, up to your limits, damage you cause to other cars or property.
  • Personal injury protection (PIP) of $15,000 per person, per accident. Pays for medical expenses for you and your passengers and those you give permission to drive your car. It also covers you and your family members if you are injured while riding in someone else’s car or if struck by another vehicle while on foot. PIP is sometimes called no-fault insurance because it kicks in regardless of who is at fault.

The basic NJ car insurance policy covers your own injuries and a small amount of damage to other cars you hit, which makes it suitable only for those who have little savings or few other assets. There is an option to add $10,000 in bodily injury liability, but uninsured motorist coverage is not available. Your right to sue for pain and suffering is limited to severe or permanent injuries.

Standard NJ auto insurance

For most drivers, we recommended New Jersey’s standard policy, as explained below.

New Jersey standard car insurance requirements

Standard policies include:

  • Bodily injury liability of at least $15,000 per person, up to $30,000 per accident. This pays, up to your policy limits, for injuries that others receive in an accident caused by you or other drivers listed on your policy. If you have substantial savings, a home or a business, you should raise those limits even higher.
  • Property damage liability of at least $5,000. Covers damage to other s property and cars. This can be raised, and should be.
  • PIP of $15,000 per person or accident; this can be raised as high as $250,000.
  • Uninsured and underinsured bodily injury motorist coverage equal to your liability limits. Helps to cover costs for injuries when hit by uninsured drivers and those with little coverage.
  • Underinsured motorist property damage of at least $5,000. Covers damage to your car when in an accident with a driver with insufficient coverage.

Holders of a standard NJ auto insurance policy can choose between the limited right to sue and the unlimited right to sue. The unlimited option means you retain the right to sue for pain and suffering over any injury.

With both the basic and standard New Jersey car insurance policy, your medical bills and lost wages are paid up to your limits by your PIP coverage and then by any bodily injury liability claim or lawsuit brought against the at-fault driver.

Regardless of the limit you have chosen, PIP will pay up to $250,000 for certain severe injuries, such as damage to the spinal cord or brain.

It does cost more to buy more protection, but as you ll see in the chart below, it usually isn t cost prohibitive. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $669 more, or $56 a month.

París – Guía de Viaje y Turismo Para Visitar, viaje a paris.

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Redes Sociales

Guía Para Visita Paris

Si lo que desea es conocer París este es el lugar Aquí podrá encontrar toda la información necesaria para saber absolutamente todo acerca de una de las capitales más visitadas del mundo

Descubriparis.com es una página completísima con todos los datos que usted necesita si su deseo es viajar o porqué no, conocer sobre la ciudad de París.

En nuestro sitio encontrará la historia de París completamente detallada, con fechas, nombres y sucesos importantes por los que atravesó esta ciudad a través del tiempo.

París es la historia viviente, y como no podía ser de otra manera también encontrará la historia de aquellos lugares emblemáticos de la ciudad, todos aquellos detalles que no puede dejar de conocer.

¿Que ver en París?

La Torre Eiffel, el Arco de Triunfo, la Defense, el Louvre y el Mouling Rouge son los lugares más característicos del lugar pero París tiene mucho más para ofrecer y descubríParis.com te acerca a ellos.

París, llamada la ciudad luz, realmente encandila

Te brindamos toda la información de los parques, plazas, monumentos y jardines: ubicación, características, fechas y personajes relacionados, todo pero todo lo que usted necesita.

¿Donde comer?

Nosotros queremos ayudarlo a que tu estadía en París sea ideal, por eso le proponemos visitar nuestra sección de restaurantes en dónde encontrará además brasseries y cafés.

Allí estarán detallados todos los lugares con sus principales características, ubicación y precios, para que de acuerdo a su disponibilidad de dinero pueda elegir y no verse sorprendido cuando vaya a comer en París.


¿Todavía no sabe dónde hospedarse?, eso no es un problema porque en descubríParís.com tenemos una sección dedicada a hoteles donde habrá gran variedad en cuanto a estilos y precios para que usted encuentre algo apropiado según sus necesidades.


Ahora que ya sabe dónde hospedarse, que comer y que lugares visitar es hora de pensar en su pasaje, por eso tenemos una sección destinada a los vuelos a París, dónde podrá reservar sin ningún tipo de inconveniente.

En París todo tiene historia, ¡hasta los aeropuertos!, conozca la información sobre el CDG y el Paris Orly, para que desde su llegada a esta hermosa ciudad comience a percibir lo que le espera.

Sabemos que París es una ciudad difícil para recorrer si uno no la conoce, en descubríParis.com pensamos en usted y le ofrecemos en nuestra sección sobre transporte todos los datos que usted necesita para conocer sin que eso se transforme en un dolor de cabeza. Además en nuestra sección de mapas hallará la solución a sus problemas de orientación., de forma fácil y práctica podrá ubicarse en París gracias a estos mapas de gran utilidad.


Transporte y mapas, la combinación justa para que su viaje sea un éxito.

Además en nuestra página encontrará información sobre las tarjetas carte orange y Paris visite, muy utilizadas por los turísticas para recorrer varios lugares.


Le presentamos una sección de compras dónde encontrará los lugares característicos, porque no puede irse de París sin llevarse algún recuerdo!

Además podrá visitar la sección de información útil: todo para que su viaje a París sea realmente práctico, por ejemplo la documentación, días festivos y horarios, datos que no puedes dejar de conocer.

Sabemos que cuando se decide viajar es muy importante el clima del lugar, por eso en nuestra sección del clima encontrará todas las características del tiempo en París y por supuesto la temperatura en tiempo real.

La capital de Francia es una de las ciudades más bellas del mundo, muy reconocida por su valor cultural y artístico, un lugar único que usted no puede dejar de visitar.

¿Para que esperar?, ingrese y prepárese para sorprenderse con todas las propuestas que París,la ciudad más romántica por excelencia, tiene para ofrecerle

Alles über Aktien und die Börse, aktien und börse.

#Aktien #und #börse

aktien und börse

Sie können mit den den Begriffen Börse und Aktien nichts anfangen, oder sie interessieren sich nicht dafür, weil es für sie anscheinen ein Buch mit sieben Siegeln ist?

Sie haben ihre gesamten Ersparnisse auf ein Sparbuch eingelegt und besitzen demnach keine Wertpapiere?

Sie sind der Meinung, dass alles rund um die Börse und Aktien nur etwas für Genies und Spezialisten ist, wie sie teils in Filmen zu sehen sind?

Wenn sie jedoch der Meinung sind, dass die Sparbuchzinsen zu niedrig sind, sie sich nicht auf das staatliche Pensionssystem verlassen wollen, dann ist diese Website genau das richtige für sie. Wenn sie sich für die Börse und für Aktien interessieren, dann werden sie merken, dass dies gar nicht so schwer zu verstehen ist.

Da diese Form der Geldanlage langfristig bei Weitem höhere Gewinne abwirft als ein Sparbuch, ist sie vor allem bei Amerikanern sehr beliebt. In den USA ist die Aktienanlage eine klassische Form der Altersvorsorge, und wenn sie ihre finanzielle Zukunft in die Hand nehmen möchten, werden sie wahrscheinlich auch irgendwann an Aktien denken müssen.

Viel haben jedoch Angst davor Geld zu verlieren, da es bei Aktienkursen auch zu kurzfrsitigen Schwankungen kommen kann. Wenn sie Aktien jedoch für eine Altersvorsorge verwenden, müssen sie langfristig denken und diverse Schwankungen einfach übersehen. Schließlich verkaufen sie auch nicht eine Immobilie, wenn der Wert dieser kurzfristig fällt. Allerdings sollten sie dabei auf Partner vertrauen, und nicht blind ihre Ersparnisse in Risikogeschäfte mit hohen Renditeversprechungen werfen.

Viel Spaß beim Lesen und vielleicht werden auch sie bald ein reicher Aktionär!

Diese Website wird nun laufend erweitert, bis letztendlich alle wichtigen Themen rund um die Börse abgehandelt sind. Viel Spaß beim Lesen und vielleicht werden sie demnächst in den Aktienhandel einsteigen.

Aktien und börse

Atto di donazione e sua revoca, atto di donazione casa.

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Atto di donazione e sua revoca

L’atto di donazione è un contratto consensuale che si perfeziona nel momento in cui si forma la volontà concorde delle parti. Esso rientra tra gli atti di affidamento condiviso del codice civile.

Non possono fare donazione coloro che non hanno la piena capacità di disporre dei propri beni (Art. 774). È tuttavia valida la donazione fatta dal minore e dall’inabilitato nel loro contratto di matrimonio a norma degli articoli 165 e 166.

Le disposizioni precedenti si applicano anche al minore emancipato autorizzato all’esercizio di una impresa commerciale.

Prima che la donazione sia perfetta, tanto il donante quanto il donatario possono revocare la loro dichiarazione.

La donazione può essere fatta anche a favore di chi è soltanto concepito (Art. 784), ovvero a favore dei figli di una determinata persona vivente al tempo della donazione, benché non ancora concepiti. L’accettazione della donazione a favore di nascituri, benché non concepiti, è regolata dalle disposizioni degli articoli 320 e 321.

Le donazioni, fatte da chi non aveva o ignorava di avere figli o discendenti legittimi al tempo della donazione, possono essere revocate per la sopravvenienza o l’esistenza di un figlio o discendente legittimo del donante. Possono inoltre essere revocate per il riconoscimento di un figlio naturale, fatto entro due anni dalla donazione, salvo che si provi che al tempo della donazione il donante aveva notizia dell’esistenza del figlio. (1)

La revocazione può essere domandata anche se il figlio del donante era già concepito al tempo della donazione.

(1) La Corte Costituzionale con sentenza 3 luglio 2000, n. 250 ha dichiarato l’illegittimità del presente comma nella parte in cui prevede che in caso di sopravvenienza di un figlio naturale la donazione possa essere revocata solo se il riconoscimento del figlio sia intervenuto entro due anni dalla donazione. (Art. 803)

Il donante non può proporre o proseguire l’azione dopo la morte del figlio o del discendente. (Art. 804)

Il donatario, che prima della trascrizione della domanda di revocazione ha costituito sui beni donati diritti reali che ne diminuiscono il valore, deve indennizzare il donante della diminuzione di valore sofferta dai beni stessi. (Art. 808)

Car Insurance and Vehicle Insurance Quotes from Santam, cheapest car insurance in south africa.

#Cheapest #car #insurance #in #south #africa

Car insurance

Safeguard yourself against unforeseen vehicle emergencies with our insurance for cars, light delivery vehicles, trailers, caravans and motorcycles.

Your car is an indispensable part of your life. Consider the many potential risks that your car is exposed to and ensure that it is sufficiently protected against any eventuality.

Vehicle insurance cover options:

  • Comprehensive: accidental loss or damage to a vehicle, including third party liability;
  • Limited (fire and theft): accidental loss of damage to a vehicle, including third party liability – only if the loss or damage is as a result of fire, lighting, explosion, theft or attempted theft; and
  • Third party only: this covers the amount for which you are legally liable to a third party (if the liability relates to the vehicle).

Comprehensive vehicle insurance includes the following benefits:

  • The option of replacing a vehicle after theft or loss;
  • Replacement costs for locks, keys and remote controls;
  • Recovery costs for found vehicle following theft or hijacking;
  • Emergency accommodation;
  • Emergency costs payable to public authorities; and
  • Trauma treatment.

Additional cover for comprehensively insured vehicles:

  • Comprehensively insured 4×4 vehicles qualify for 4×4 specific cover, at an added monthly premium. Extended benefits include, among others, increased cover for emergency repairs, cover for winching equipment, repatriation costs as well as an extension to countries where the vehicle will be covered*, vehicle hire automatically included;
  • If your comprehensively insured vehicle is a luxury vehicle you can also take out optional cover to get increased cover for loss of keys, tow-in costs, safeguarding after mechanical breakdown and many more;
  • You can waive the basic excess on your vehicle; and
  • You can also choose to cover the contents of your caravan or trailer, or specify certain accessories of your vehicle.

*Extended countries means the following: Normally your vehicle is covered in RSA, Namibia, Lesotho, Botswana, Swaziland, Zimbabwe, Malawi and Mozambique. Extended countries mean we also cover your vehicle in Angola, Zambia, Kenya, Tanzania, Burundi, Rwanda and the Democratic Republic of the Congo.


Click below to read a comprehensive break-down of our personal lines insurance solutions.

The benefits of insuring with us

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need five more reasons to choose insurance good and proper.

Welcome to our blog

Santam shares the latest news and great perspectives on everything from the formation of lightning and your car’s tyre tread to your house’s roof, your business’ gutters and just about anything else that affects your safety.

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Cheapest car insurance in south africa

Auto Insurance Quotes: Farmers Insurance, car insurance qoutes online.

#Car #insurance #qoutes #online

Getting an Auto Insurance Quote

Quoting with Farmers is quick and easy.

Auto Insurance Quotes Online

Have you read up on Farmers Auto insurance? Interested in an insurance quote? Ready to see what the coverage, personal service, and support of Farmers insurance can save you?

The process is quick and easy, and in no time, you’ll have auto insurance rates to compare and consider. If the insurance rates and coverage are right, you can even buy your policy online as well.

The Insurance Quote Process

To make things as clear as possible, let’s review the simple Farmers Auto insurance quote process:

Tell us about yourself

Fill out the basics; your name, address, contact information, etc. This lets us know who we’re quoting.

Tell us about your car

Tell us about your car, and we can more accurately generate your quote. To see if you qualify for potential insurance rate discounts, we’ll also ask about your commute, and any extras your car may have, like security systems or recovery devices.

Tell us about any other drivers

If there are other drivers in your house, like your spouse or children, it’s important to tell us about them too. We’ll ask about their driving history, to get a better sense of everyone’s experience on the road.

See your discounts

After you’ve told us about you, your car, and your other drivers, we’ll show you all the discounts you could qualify for, and ask you a few last questions to see if you qualify for even more!

Get your quote!

View your quote quickly. You can even change your limits and coverages to see how that would affect your insurance rate.

Auto Insurance Quote Cheat Sheet – What You’ll Need

To make for the most accurate and quickest quote possible, it’s good to have some information in front of you before you start. That way, you’re not running around the house trying to find a document while your quote sits and waits.

Here’s a list of things to have at the ready before starting your quote:

Have the license plate number of any car you’d like to cover readily available.

Make sure to have your driver’s license number, and the numbers of any other drivers in your household.

It’s a good idea to write down the Vehicle Identification Number (VIN) for any cars you want to cover. You can find the VIN by standing outside the car and looking at the dashboard on the driver’s side.

Write down the current odometer reading for each car you’d like to cover.

Have a general idea of when you purchased each car you’d like to cover.

Have your current insurance policy declarations page at the ready. It contains all of your current coverages and limits, and can help if you’d like the same limits or want to compare insurance quotes apples-to-apples.

Get Your Auto Quote Online

Now that you know the process, and have the information you need at your fingertips, why not get an online insurance quote now? It only takes a few minutes, and you can even buy online too!

Would you rather quote with a real person? We have those too! Call 1-800-493-4917 to speak with a Farmers agent and quote over the phone.

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

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return link 1 Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040.

Products features may not be available in all states may vary by state. Restrictions, exclusions, limits, and conditions apply.

Restrukturierung unternehmen, restrukturierung unternehmen.

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Restrukturierung unternehmen

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    Häuser, Wohnungen, Grundstücke und Immobilien von FM-Immobilien in Minden, wohnungen in hannover.

    #Wohnungen #in #hannover

    Immobilien, Häuser, Wohnungen, Grundstücke in Minden

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    Wir suchen ständig

    Das grösste Wohnbau-Projekt in Minden

    Tagebuch als Bildergalerie

    Wohnungen in hannover

    Der ehemalige Penny-Markt an der Sandtrift wird abgerissen und als Neubau eine exklusive Senioren-Wohnanlage errichtet.

    In handwerklich bester Bauqualität entstehen 3.000 qm anspruchsvoller Wohnraum. Das Projekt umfaßt 40 hochwertige Wohnungen, in moderner Architektur, ruhig und doch zentral gelegen, mit optimaler Infrastruktur.

    Der Neubau beginnt im April 2017

    Der Neubau schreitet fort im Mai 2017

    Der Neubau schreitet fort im Juni 2017

    Aufbau der ersten Etage im Juli 2017

    Aufbau der 2. und 3. Etage im August 2017

    Aufbau der 4. Etage im September 2017

    Dach und Fenster im Oktober 2017

    Das Dach wird geschlossen im November 2017

    Historisches Fachwerkhaus in der Mindener Altstadt

    Wohnungen in hannover

    Dieses historische Altstadthaus wurde ursprünglich in 1750 erbaut, ein Neuaufbau erfolgte in 1825, der letzte größe Umbau fand 1930 statt. In 1984 wurde dieses Gebäude in die Denkmalliste aufgenommen.

    Im EG befindet sich eine größere Garage und ein Abstellraum. Des weiteren befinden sich zwei vermietete Wohnungen im Haus. Die Wohnung im 1. OG besteht aus 3 Zimmer, Küche und Badezimmer mit 55m², die zweite Wohnung im ausgebauten DG bietet ca. 40m² für Wohnzimmer mit offener Küche, Schlaf- und Badezimmer.

    Die jährlichen Mieteinnahmen betragen 8.760,- € Kaltmiete.

    Anzahl der Zimmer: 5

    Merkmale: Гњbergabe nach Absprache

    GrundstГјck: Ohne GrundstГјcksanteil

    Sonstiges: Beide Wohnungen sind vermietet

    Sonstiges: Denkmalschutz-Immobilie aus urpsrГјnglich 1750


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    FM-Immobilien – Ihr Immobilienmakler in Minden, Bad Oeynhausen, Herford, Bielefeld und Hannover

    F.M.-Immobilien, das ist die Frank Meyer GmbH & Co. Immobilien KG, gegrГјndet 1985 in Minden. Am Beginn stand die reine MaklertГ¤tigkeit, die sich im Laufe der Jahre, mit stetem Wachstum, um verschiedene Angebotsfelder ( Neubau von HГ¤usern, Wohnanlagen , bzw. Eigentumswohnungen , Immobilien An- und Verkauf , GrundstГјcke , Gewerbebau , Vermietung , Hausverwaltung , Finanzierungsberatung , Versicherung sowie SachverstГ¤ndigen-Gutachten ) ausweitete. Am Stammsitz in Minden sind heute Гјber 20 Mitarbeiter beschГ¤ftigt. Dabei handelt es sich um bestens ausgebildete Spezialisten wie: Immobilienfachwirte, Architekten, Bau-Ingenieure, Finanz-Fachleute, Gutachter, Industriekaufleute und Handwerker. Als fГјhrendes Unternehmen in der Region fГјr “Alles rund um Immobilien, Bauen und Wohnen” hat sich F.M.-Immobilien am Markt als QualitГ¤tsbegriff etabliert. Die einzigartige Produktpalette in massiver Bauweise ( EinfamilienhГ¤user wie z.B. Bungalow, Friesenhaus, mediteraner oder moderner Hausbaustil, MehrfamilienhГ¤user , exklusive Eigentumswohnungen ) beinhaltet folgende Angebote:

    Vom kleinen Einfamilienhaus bis zur Villa

    Gewerbe und Renditeobjekte

    Vom Handwerksbetrieb bis zur Wohnanlage

    Preiswerte, individuelle Häuser und Architekten-Lifestyle-Häuser

    EinzelgrundstГјcke und Baugebiete

    Beste Konditionen, individuell zugeschnitten

    Kostenloser Immobilienkauf-Haus oder Wohnung Kauf- Ratgeber f – r Sie mit Tipps und Checklisten Sachverst – ndiger, wohnungskauf.


    Kostenlose Hauskauf und Wohnungskauf Checklisten +


    Diesen kostenlosen und wirklich unverbindlichen Ratgeber und die Checklisten f r den Hauskauf oder Wohnungskauf enthalten einige der wichtigsten Tipps wie Sie sich vor Schaden oder eines Fehlkaufes sch tzen k nnen.

    Sie bekommen hier nicht, wie oft auf einigen Immobilien-Homepages blich, oberfl chliche Ratschl ge, sondern wirkliches praktiziertes Insiderwissen.

    Als Sachverst ndiger f r die Bewertung von Wohnimmobilien habe ich Ihnen diese Informationen aus unz hligen Kaufberatungen zusammen getragen. Sie k nnen nur davon profitieren!

    Hier unverbindlich und kostenlos anfordern

    Einfach hier Ihre richtige Email ein und Sie erhalten den Immobilienkauf Ratgeber und Checklisten sofort kostenlos per Email. Sie erhalten von mir max. drei automatische Mails. Ich will auch keinen Spam.(Datenschutz siehe AGB obere Linkleiste)

    Inhalt des 3 teiligen Ratgebers

    Inhalt des Ratgebers und der Checklisten

    Zum Inhalt des 3 teiligen Ratgebers (drei Kapitel aus meinem Buch Achtung Immobilienkauf :

    Teil 2: M ngel, versteckte M ngel und arglistig verschwiegene M ngel

    Teil 3: Thema: Energieeinsparverordnung, rechtliche Fallen und der wichtigste Vertrag der notarielle Kaufvertrag

    Diese Informationen sind f r Sie wirklich kostenlos und unverbindlich. Sollten Sie meine Dienstleistung als unabh ngigen Immobilienkaufberater wahrnehmen, w rde ich mich nat rlich auch freuen.


    Thomas Schr ck – Ihr pers nlicher Sachverst ndiger

    Ein Gro teil meiner Kunden hatten vor meiner Beauftragung den kostenlosen Ratgeber und die Checklisten hier angefordert. Sie waren offenbar schon von dem Ratgeber und dann auch nach der Beratung zufrieden.

    Wer bin ich?

    Ihr Immobilienberater und Sachverst ndiger


    Thomas Schr ck, Ich bin Fachwirt der Grundst cks- und Wohnungswirtschaft (IHK) und bin seit 1988 im Immobilienbereich t tig. Langj hrige T tigkeiten im F hrungsstab eines bundesweit agierenden Bautr gers, sowie als Gesch ftsf hrer einer Projektentwicklungsgesellschaft f r Wohn und Gewerbebau, geben mir fundiertes Wissen im rechtlichen und baulichen Bereich der Immobilienwirtschaft. In den 25 Jahren meiner beruflichen Laufbahn habe ich unz hlige Kauf-und Verkaufsvorg nge get tigt. Viele H user und Wohnanlagen wurden mit mir gebaut, saniert und konzipiert.

    Diverse Aus- und Weiterbildungen im Immobilienbereich erlauben es mir, als freier Sachverst ndiger f r Wohnimmobilien t tig zu werden.

    Mitglied im Bundesverband f r das Sachverst ndigen- und Gutachterwesen (BGS) e.V.


    Mein Ziel und Anspruch ist es, dass Sie mit gutem Gef hl Ihr gew nschtes Einfamilienhaus oder Eigentumswohnung kaufen k nnen. Ich m chte Sie unabh ngig von eigenen Interessen beraten k nnen, so dass auch ein abraten von einem geplanten Immobilienkauf m glich ist, wenn die Sachlage oder Ihre pers nliche Situation dies anr t.

    Holen Sie meine kostenlosen Tipps und Checklisten:

    Warum Kaufberatung?

    Vor dem Haus-/Wohnungskauf auf Nummer sicher gehen


    Immobilien Kaufberatung

    Ein Immobilienkauf ist f r die meisten die gr te Anschaffung ihres Lebens. Es geht dabei um sehr viel Geld. Alles sollte gut bedacht sein.

    Nach dem Kauf Ihrer gebrauchten Wunschimmobilie haben Sie weder ein R cktrittsrecht noch Gew hrleistung. Gekauft wie gesehen, wie es so sch n hei t.

    Als privater K ufer einer Immobilie, mit wenig Erfahrung, sind Sie bez glich Bewertung, M ngelsuche und der berpr fung in immobilienrechtlicher Hinsicht, meistens benachteiligt.

    Wer sind Ihre Immobilienberater um Sie herum?

    Ist es Ihnen bewusst, dass Sie beim Kauf einer Immobilie, fast ausschlie lich von Leuten umgeben sind, die nur dann einen Vorteil haben, wenn Sie auch kaufen?

    Wer pr ft und legt eigendlich den Kaufpreis fest?


    Siehe Empfehlungen

    Der Eigent mer? Die Bank? Der Makler? Ihr Bauchgef hl?

    Ihre Bank bewertet letztlich nur das Finanzierungsrisiko und ob Sie bei einer Verwertung wieder an ihr Geld kommt. Ihre Belange stehen da ganz weit hinten.

    Der Makler ist oft froh, wenn durch eine externe Werteinsch tzung eine berzogene Preisvorstellung des Eigent mers argumentiert wird. Oft muss auch der Makler die Preisvorstellung des Verk ufers bernehmen.

    Bleibt noch Ihr Bauchgef hl!


    Vorteil durch eine fundierte Werteinsch tzung

    Sind Sie sicher, dass Sie den marktgerechten Preis ermitteln k nnen?

    Nutzen Sie meine 20 j hrige Immobilienerfahrung!

    Dies alles kann ich f r Sie leisten.

    Auch wenn Sie derzeit noch keine konkrete Immobilie in Aussicht haben, empfehle ich Ihnen sich meinen Prospekt, die kostenlosen Checklisten und den Ratgeber zu holen. Sie k nnen dann schneller im Bedarfsfall auf meine Dienste zur ckgreifen. Wenn es f r Sie konkret wird, dann sollte alles sehr schnell gehen.

    Ihr Nutzen aus meinem Service in Kurzform:


    Meine Leistungen in Kurzform:


    Sehen Sie sich die Leistungen an.

    • Gemeinsamer Besichtigungstermin Ihres Wunsch Haus, Doppelhaush lfte oder Reihenhaus, sowie Wohnung
    • Sachverst ndiger Check nach Baum ngeln, Feuchte, Schimmel etc., sowie Kontrolle der immobilienrechlichen Gegebenheiten und Check der Unterlagen (bei Eigentumswohnungen sind i.d.R. umfangreiche Unterlagen wie, Teilungserkl rung, Gemeinschaftsordnung, Protokolle der Eigent mergemeinschaft, Betriebskostenabrechnungen und R cklagenstand n tig – Siehe Tipps beim Wohnungskauf )
    • Besprechung bez glich des Zustands, M ngel und Kosten, sowie Nutzbarkeit der Immobilie. Sofern schon m glich, Aussagen zum Wert und notwendigen Renovierungskosten, ansonsten sp ter.
    • Mit dem Grundhonorar erhalten Sie schon eine schriftliche Zusammenfassung der gesch tzten Kosten und Aussage ber den gesch tzten Wert.
    • Besprechung, Beratung und Tipps f r das weitere Vorgehen
    • Optional: Wer eine ausf hrlichere schriftliche Werteinsch tzung des Hauses/Wohnung und detailierte Einsch tzung der zu erwartenden Kosten f r M ngel und Instandhaltungen (bei Wohnungen auch die der Gemeinschaft) will, kann diese gegen einen berschaubaren Aufpreis von 150,- erhalten.
    • Optional: Unterst tzung bei der Kaufpreisverhandlung und Kaufvertragsvorbereitung (Pauschalhonorar ohne Provision vom Verhandlungsgewinn wie oft blich – ich m chte unabh ngig beraten! Es wird nur meine Arbeitszeit pauschal bezahlt.)
    • Auch nach meinem Auftrag helfe ich Ihnen, wenn Fragen auftauchen

    Mein Honorar f r eine Immobilien Kaufberatung


    F r diese Immobilien Kaufberatung berechne ich Pauschal f r das Beratungsgebiet 1 nur 350,- und f r das Beratungsgebiet 2 nur 390,- . F r den Gro raum ( u ere Kreise) M nchen 447,- und Stuttgart 460,- jeweils inkl. MwSt. und Fahrkosten. Hierin sind schon schriftliche Zusammenfassung ber den Wert der Immobilie und grob berschlagenen Kosten f r Baum ngel etc. enthalten. Den meisten Kunden reicht diese Zusammenfassung aus.

    Wer eine ausf hrlichere schriftliche Bewertung mit Zustandsbeschreibung und Kosten f r seine Wunsch-Immobilie will, kann diese f r pauschal 150,- inkl. MwSt. erhalten. (ca.13 Seiten)

    Um Sie wirklich unabh ngig beraten zu k nnen gibt es bei mir KEINE Verkn pfung zur Kaufpreisverhandlung wie oft blich!

    Sie kaufen daf r mit einem guten Gef hl und minimieren Ihre Kaufrisiken. Nebenbei k nnen Sie eventuell auch noch am Kaufpreis sparen.

    Cheap Car Insurance – OKC, cheapest car insurance in oklahoma.

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    -Amber Lamar, Moore, OK

    Disclaimer: Cheapest Auto Insurance does not claim to have the cheapest insurance prices. It is the responsibility of the customer to research rates to their satisfaction and determine who is the best insurance company for their needs.

    Cheapest car insurance in oklahoma

    We have insurance companies for any situation. Need a low down payment? We have a company for that. Want the lowest monthly payments? We have a company for that too. Bad credit? Tickets or Accidents? We have got you covered.

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    Tennessee Car Insurance – Online Auto Insurance, tennessee auto insurance.

    #Tennessee #auto #insurance

    Online Auto Insurance

    Tennessee auto insurance

    Most states department of insurance suggest that consumers compare rates in order to find out which company will offer them the lowest rates. Tennessee residents can take advantage of OnlineAutoInsurance.com s free online quotes. By completing the following form, you can make your price comparison from multiple companies instantly and easily. It s absolutely free and there is no obligation to buy car insurance online.

    Factors That Determine Tennessee Car Insurance Rates

    Although insuring a vehicle with the minimum will satisfy TN car insurance laws and requirements, when getting quotes, shoppers should request different coverage in order to see what additional protection is within budget. Shoppers can even keep liability coverage only and raise the limits. The last thing a policyholder wants to happen is for coverage to be insufficient to cover all caused damages. This leaves the policyholder owing the balance and can lead to lawsuits and a bad situation. Consumers will be surprised to see some coverage is quite inexpensive. Get Tennessee auto insurance quotes on everything,; it s free, and there s no obligation to purchase a policy.

    Shoppers may also visit the Tennessee auto insurance commissioner s website to obtain more information.

    Questions Related to Tennessee Insurance

    Tennessee auto insurancePoints that are assigned through the Tennessee Driver Improvement Program can have a considerable impact on a motorist’s auto insurance eligibility and premium. Points are assigned for various moving violations and can accumulate until residents have their.

    Tennessee auto insuranceOver time, the details that govern a policyholder’s premium are likely to change. It is often beneficial for a Tennessee motorist to annually reevaluate their policy to ensure that all of the listed details are accurate. On some occasions it can be beneficial for a driver to inform their insurer of.

    Tennessee auto insuranceThe process of obtaining the most affordable coverage in the state of Tennessee is quite simple, but it does take a bit of effort and some smart shopping. There is a multitude of auto insurance companies that are available to provide automobile policies to.

    News about Tennessee Car Insurance

    December 12, 2012 – Progressive announced this week the debut of its car insurance program Snapshot for Tennessee auto insurance policyholders. The usage-based insurance (UBI) program, which is now available in 44 states, measures behavior behind the wheel, including miles and times of day driven, and prices participants’ auto policies based .

    August 14, 2013 – A few robocall advisories have been issued around the U.S. recently, one of them originating in Tennessee and the other in the Kansas City area, where two insurance agents helped thwart a con to swipe their driver’s license information. The Kansas Insurance Department (KID) said in a statement that the robocalls, which are .

    January 18, 2013 – Regulators are warning consumers that they have identified a man selling auto coverage policies without a license and that anyone who has done business with him may have an invalid policy. In a cease-and-desist order issued Tuesday, Mervin Graber and Tennessee Christian Motorist Aid were barred from conducting business without .

    Articles on How to Compare Auto Insurance in TN

    Jun 07, 2012 – All motorists in Tennessee are required to purchase vehicle coverage to legally drive, but a lack of enforcement has helped make the state’s percentage of uninsured drivers one of the.

    Sep 07, 2011 – When shopping for auto coverage in the Volunteer State there are usually a variety of options. The Tennessee Department of commerce and Insurance regulates over.

    May 18, 2011 – Tennessee, like many states, has financial responsibility laws that require all motorists to maintain a vehicle protection plan in order to legally operate an automobile. Even though car insurance is required, purchasing a policy does.

    Unico di Armando Carere – Arredo bagno, infissi, scale, pavimenti, arredo bagno mobili a terra.

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    La scelta della casa comincia dal pavimento che gli conferisce il caratteristico stile, moderno, classico, newclassic o country, qui le scelte possono essere tantissime. dal gres porcellanato al parquet fino ad arrivare ai moderni laminati o pavimenti in pvc.

    Dal pavimento si passa ai bagni, con vasca o senza con doppio lavabo o lavabo unico, anche qui le scelte sono le più disparate. Il bagno è il luogo del benessere della casa e noi crediamo nel valore di questo ambiente.

    A seguire la scelta delle porte interne laccate o in essenza, scorrevoli o battente per finire fino alle moderne porte in vetro temperato a tutta altezza.

    Ci sono infine due aspetti fondamentali legati al fattore termico, gli infissi e l’impianto di riscaldamento.

    La nostra azienda è in grado di offrire i più moderni infissi in pvc e legno e completare l’abitazione con un efficiente sistema di riscaldamento.

    Il nostro reparto tecnico sarà a vostra disposizione nel consigliarvi un sistemi termico efficiente e ad alto rendimento.

    L’ambiente bagno è per noi un luogo di relax.

    Scegli il tuo bagno tra i tanti disponibili, la nostra offerta spazia dai rivestimenti in mosaico ai grandi formati, dalle rubinetterie da piano ai sistemi a muro.

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    Dai laminati economici ai pavimenti in gres porcellanato effetto legno o effetto cemento ai nostri marmi pregiati.

    Se preferisci il fascino del legno invece scopri i nostri parquet .

    Se hai una villa da arredare i nostri pavimenti per esterno ti stupiranno per prezzo e qualità estetiche.

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    20 Minuten – Kann die Schweiz die Guillotine-Klausel kippen, klausel.


    Kann die Schweiz die Guillotine-Klausel kippen?

    FDP-Chefin Petra Gцssi rьttelt an der Guillotine-Klausel. Ein Ausweg aus der europapolitischen Sackgasse oder bloss «Trдumerei»?

    Neue Idee: FDP-Prдsidentin Petra Gцssi stellt die Guillotine-Klausel infrage. (Bild: Keystone/Anthony Anex)

    Zahlung an die EU: SVP will ьber Ostmilliarde abstimmen lassen
    Beitrag an die EU: Stimmt die Ostmilliarde Juncker nachgiebig?

    In der Diskussion um Zuwanderung ist die sogenannte Guillotine-Klausel das Killerargument: Kьndigt die Schweiz das Personenfreizьgigkeitsabkommen, fiele das ganze erste Paket der bilateralen Vertrдge weg – etwa das Land- oder Luftverkehrsabkommen.

    Die Verknьpfung der Abkommen will FDP-Chefin Petra Gцssi nun kippen. In einem Interview mit der «Zentralschweiz am Sonntag» sagt sie: «Die Guillotine-Klausel muss weg. Sie lдhmt die ganze Europapolitik.» Gцssi verspricht sich davon eine langfristige Sicherung des bilateralen Weges: Sonst bestehe auch in Zukunft die Gefahr, dass die Bilateralen wegen der Kьndigung eines einzelnen Abkommens wegfielen. Die Schweizer Kohдsionsmilliarde will sie als Pfand benutzen, um eine nachhaltige Normalisierung der Beziehungen einzufordern.

    «Die Klausel ist ein starkes Drohmittel»

    SVP-Nationalrдtin Yvette Estermann begrьsst es, dass die FDP die Kohдsionszahlung ьber 1,3 Milliarden Franken an Bedingungen wie den Wegfall der Guillotine-Klausel knьpft. «Die Klausel ist ein starkes Drohmittel in der Diskussion um die Personenfreizьgigkeit.» Vertrдge zwischen zwei ebenbьrtigen Partnern mьssten einzeln zu kьndigen oder anzupassen sein.

    Estermann bezweifelt jedoch, dass die EU einem Verzicht auf die Guillotine-Klausel zustimmen wьrde, da dies die Kьndigung der Personenfreizьgigkeit durch die Schweiz erleichtern wьrde: «Trдumen kann man immer, aber mit der EU kann man nicht verhandeln. Das haben wir nach der Annahme der Masseneinwanderungsinitiative gesehen.» Da sich die EU nicht bewegen werde, hoffe sie, dass die FDP bei der Ostmilliarde hart bleibt: «Wir haben genug Baustellen im eigenen Land, wo wir die 1,3 Milliarden Franken gut gebrauchen kцnnen.»

    «Die EU ist am lдngeren Hebel»

    Fьr Europapolitik-Professor Dieter Freiburghaus ist die Forderung Gцssis hingegen reiner Populismus, um an der innenpolitischen Front zu punkten. Die sogenannte Guillotine-Klausel sei eine «Paketschnur», die das Rosinenpicken der Schweiz verhindere. «Die EU wusste bei den Verhandlungen mit der Schweiz, dass diese alles will, nicht aber die Personenfreizьgigkeit. Sie war darum so schlau, eine Schnur um die Bilateralen zu legen, damit die Schweiz nicht einzelne Teile herausbrechen kann.» Auch Frau Gцssi mьsste wissen, dass ihre Idee «Quatsch» sei.

    Laut Freiburghaus ist die EU am lдngeren Hebel. Die Verknьpfung des Erweiterungsbeitrags, der fьr eine Beteiligung am Binnenmarkt fдllig werde, mit weiteren Forderungen, sei unklug: «Lehnt das Parlament die Kohдsionsmilliarde ab, herrscht ganz schnell wieder Eiszeit wie nach der Annahme der Masseneinwanderungsinitiative.» Dann sei auch ein Strom- oder Dienstleistungsabkommen, das sich die Schweiz wьnsche, fьr die lдngste Zeit vom Tisch.

    «Bisher hat man die Klausel als Gegebenheit hingenommen»

    Der neue FDP-Fraktionschef Beat Walti sagt, man bringe eine frische Idee aufs Tapet: «Bisher hat man die Klausel als Gegebenheit hingenommen. In den letzten 20 Jahren hat sich das Umfeld aber geдndert, sodass man die Regelung infrage stellen darf.»

    Die Klausel sei zu einem Symbol fьr die EU geworden, die Powerplay spiele. Deren Wegfall oder zumindest die Abschwдchung kцnnte eine Chance sein, Vertrauen in den bilateralen Beziehungen aufzubauen.

    Banche, la svolta degli utili – Il Sole 24 Ore, borsa italiana ù.

    #Borsa #italiana #ù

    Borsa italiana ù

    A distanza di dieci anni dallo scoppio della crisi finanziaria globale, le banche italiane ritrovano il sentiero condiviso della redditività. Merito, va detto, del miglioramento del ciclo economico, e del conseguente abbattimento delle rettifiche sui prestiti. Ma anche di una generalizzata ca.

    A distanza di dieci anni dallo scoppio della crisi finanziaria globale, le banche italiane ritrovano il sentiero condiviso della redditività. Merito, va detto, del miglioramento del ciclo economico, e del conseguente abbattimento delle rettifiche sui prestiti. Ma anche di una generalizzata capacità di sostenere i ricavi sfruttando la leva della commissioni. Se tutto questo si combina con la prosecuzione del taglio dei costi, si capisce come nel 2017 gran parte delle maggiori banche italiane (se si escludono i casi di Mps, Creval e Carige, alle prese con piani di rilancio) siano state in grado di accendere il motore dei profitti: nel complesso, infatti, i primi otto istituti hanno raccolto 10 miliardi (al netto dei contributi pubblici a Intesa e dei badwill di BancoBpm, Ubi e Bper), che si confrontano con il rosso da 11,2 miliardi del 2016. Un dato che scende invece a 6 miliardi considerando le perdite straordinarie annunciate ieri da Siena e Genova.

    È una fotografia tutto sommato incoraggiante, quella che emerge dall’analisi condotta da Prometeia per Il Sole 24Ore sui dati preliminari appena diffusi. Non che il risultato fosse scontato, va detto. Il 2017 è stato del resto l’anno in cui il comparto si è tirato fuori dalle secche della crisi e ha portato in sicurezza i malati gravi del settore: da Mps alle quattro banche regionali, dalle Venete alle tre banche minori assorbite da Crédit Agricole Italia. A pagare il prezzo dei vari salvataggi, tra Fondo di risoluzione ad Atlante, è stata la parte “sana” del settore, oltre che gli azionisti azzerati delle banche. Certo lo Stato ha dato un contributo decisivo, come nel caso di Mps. Ma nel complesso l’aiuto statale ha avuto un impatto stimato in circa 13 miliardi, lo 0,8% del Pil, come ricordato recentemente dal governatore Ignazio Visco. Cifre più basse rispetto a quelle viste in Germania (227 miliardi, 7,2% del Pil) o in Spagna di 52 miliardi (4,6%).

    I motivi del miglioramento

    Insomma, pur in un contesto non banale, le banche italiane hanno messo la marcia in avanti. Le commissioni in particolare sono cresciute pressochè ovunque, facendo registrare un rialzo del 5%, a 21 miliardi. Abbastanza da compensare il calo del margine di interesse, sceso dell’1,3%, complice la contrazione dello spread sui prestiti. «Il margine di interesse è ancora in calo, anche se si sta stabilizzando – fa notare Giuseppe Lusignani, vice presidente della società di consulenza – mentre salgono molto le commissioni grazie al traino dei prodotti di risparmio e delle gestioni patrimoniali». Il vero game changer è stata però la riduzione delle rettifiche su crediti, pressochè dimezzate rispetto al 2016 (-15 miliardi). La differenza, va detto, risente del forte innalzamento delle coperture registrato lo scorso anno. Tuttavia è innegabile che il miglioramento del quadro economico ha fatto scendere l’ingresso a default dei prestiti, e questo a sua volta ha generato minori accantonamenti.

    E in prospettiva, che cosa accadrà al settore? Se è vero che dal 2018 il margine di interesse è destinato ad ampliarsi progressivamente anche grazie al ritorno alla crescita del credito e alla prevista normalizzazione dei tassi, è anche vero che il supporto delle commissioni non potrà durare a questi ritmi in eterno. «Il nuovo contesto normativo, dalla Mifid2 alla Psd2, potrebbe rendere meno profittevole il segmento dei prodotti assicurativi e del risparmio gestito», avverte Lusignani. Senza contare che anche l’andamento dei mercati, con i suoi possibili storni, rischia di incidere negativamente su questa voce.

    Di positivo, invece, c’è che il costo del rischio è previsto in progresso: migliori condizioni macro si tradurrano realisticamente in una ulteriore riduzione del flusso delle svalutazioni sui crediti. Non che i problemi del settore su questo fronte siano finiti, ovviamente. La sfida più evidente sarà quella dello smaltimento dei crediti deteriorati. Secondo i calcoli di Prometeia, dopo aver ridotto lo stock di 53 miliardi nel 2017 (di cui 26 di Mps, e 17,5 delle Venete), i primi 10 gruppi per il prossimo triennio hanno annunciato riduzioni e recuperi di Npe per altri 47 miliardi. Di questi 26 circa sono di Intesa, 8,5 miliardi di Banco Bpm, 4 di Bper, 2,2 del Creval. Il pressing Bce per portare l’Npe ratio lordo nel breve termine al 10%, e del 5% nel medio termine,insomma, è forte. Ed eventuali perdite dovranno essere assorbite. Non solo. L’altra grande sfida riguarda l’ulteriore efficientamento del settore. Sotto il profilo dei costi gli istituti stanno facendo molto, come dimostra un taglio del 5% delle spese operative. Ma con un Roe atteso al 3,7% nel 2018, e del 5,8% nel 2021, il costo del capitale continuerà a rimanere più elevato. «Difficile pensare insomma – conclude Lusignani – che il comparto possa sfuggire al processo di razionalizzazione e di riduzione dei costi già avviato». E chissà che il consolidamento, a quel punto, non diventi il nuovo “mantra” per il settore.

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    ARAG SE azienda Top Welfare in Italia

    La Repubblica Affari & Finanza, sul dossier n. 42 di lunedГ¬ 11 dicembre 2017, a pagina 31 pubblica i risultati dell’indagine svolta dall’Istituto Tedesco QualitГ e Finanza: ARAG SE sale sul podio nella categoria Assicurazioni del premio TOP Welfare ed inoltre si classifica tra le migliori aziende TOP Carriera.

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    ARAG SE – Societas Europaea – sede legale D – 40472 DГјsseldorf (Germania), ARAG Platz 1 Capitale sociale Euro 100.000.000. Iscritta nel Registro del Tribunale di DГјsseldorf al n. HRB 66846 – Soggetta al controllo della AutoritГ di vigilanza tedesca Bundesanstalt fГјr Finanzdienstleistungsaufsicht (BaFin). Presidente del Consiglio di Sorveglianza: Gerd Peskes. Consiglio di Gestione: Dr. Paul-Otto FaГџbender (Pres.), Dr. Renko Dirksen, Dr. Matthias Maslaton, Werner Nicoll, Hanno Petersen, Dr. Joerg Schwarze.

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    Enline internet solutions ontwikkelde het online afsprakensysteem welke een verbinding legt tussen honderden reisbureaus, 62 ReisVaccinatie Centrum vestigingen en de klant.


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    Bezoekers van ThomasCook.nl kunnen nu eenvoudig na het boeken van een reis of vakantie, online een afspraak inplannen bij een van de 62 ReisVaccinatie Centrum vestigingen in Nederland.

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    Hosting diensten

    Naast het technisch realiseren van internet projecten zijn we gespecialiseerd in het aanbieden van betrouwbare hosting en webhosting diensten inclusief domeinnaam registraties, e-mailafhandeling voorzien van professionele anti-spam en anti-virus.

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    Enline Internet Solutions durft zich één van de meest ervaren web ontwikkelaars van Limburg te noemen; Niet alleen op gebied van opleidingsniveau, ervarenheid en originaliteit maar vooral op het gebied van service en het nakomen van afspraken.

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    Spenden für Menschen in der Türkei, Syrien, Libanon und Irak

    Millionen Menschen sind in Syrien, der Türkei, dem Libanon und Irak von dem Krieg in Syrien und den Folgen der Herrschaft des sogenannten Islamischen Staates (IS) betroffen. Was 2011 in Syrien mit friedlichen Proteste begann, endete kurze Zeit später in einem grausamen Krieg. Fast die Hälfte der gesamten syrischen Bevölkerung wurde durch die Kämpfe vertrieben. Ein Ende ist nach Jahren der Gewalt weiterhin nicht absehbar.

    Vor dem Bürgerkrieg konnte sich Syrien allein versorgen und besaß einen guten Bildungsstand – alle Kinder gingen zur Schule. Nach Jahren der Gewalt herrscht in Syrien nun eine der größten humanitären Krisen der Nachkriegszeit. Mehr als 5 Millionen Menschen sind aus Syrien geflohen, 6,3 Millionen sind auf der Flucht im eigenen Land (Stand Juli 2017). Eine substantielle Verbesserung der humanitären Lage ist nicht in Sicht. Nach Angaben der UN-Agentur für die Koordinierung humanitärer Angelegenheiten (UN OCHA ) sind momentan 13,5 Millionen Syrer auf humanitäre Hilfe angewiesen.

    Die Welthungerhilfe leistet seit November 2012 Nothilfe für Bürgerkriegsopfer in Syrien. Mit den zunehmenden Flüchtlingsströmen in die Türkei und in den Nordirak sowie weiteren Vertreibungen innerhalb des Iraks wurde die Welthungerhilfe auch in diesen Ländern aktiv. Koordiniert von dem Länderbüro in der türkischen Stadt Gaziantep werden seit Sommer 2014 die Bürgerkriegsopfer und Vertriebenen in der Region unterstützt. Seit November 2016 betreibt die Welthungerhilfe ein weiteres Länderbüro in der Stadt Dohuk im Nordirak.


    In Syrien konzentriert sich die Arbeit der Welthungerhilfe auf die Provinzen Idlib und Aleppo. Möglichkeiten, Geld zu verdienen, gibt es für die meisten Menschen kaum noch: Fabriken sind geschlossen, der Handel mit Nachbarländern findet nicht mehr statt und die Landwirtschaft liegt brach. Gemeinsam mit den Partnern Hand in Hand for Syria, IHSAN und People in Need (PIN) unterstützt die Welthungerhilfe die bedürftigsten Familien in Syrien mit dringender humanitärer Hilfe. Wie hilft die Organisation vor Ort:

    Brotverteilungen und Unterstützung von Bäckereien in den Regierungsbezirken Aleppo und Idlib (durch unsere Partner PIN und IHSAN)

    Nahrungsmittelgutscheine in den Provinzen Aleppo und Idlib (durch PIN und IHSAN)

    Verteilung von Gutscheinen für Saatgut, Düngemittel und Werkzeuge an Binnenflüchtlinge in Aleppo und Idlib, die so helfen können, die lokale Lebensmittelproduktion anzukurbeln. Zudem wird eine kleine Anzahl von Menschen im Gemüseanbau geschult, so dass sie ihr Wissen an andere Menschen weitergeben können (in Zusammenarbeit mit PIN und IHSAN).

    Rehabilitierung von Wasserleitungen und einer Wasserstation in drei Projektregionen in Idlib; Schulung von Mitarbeitern der lokalen Wasserverwaltung (mit Unterstützung der Vereinten Nationen und in Zusammenarbeit mit unserem Partner Hand in Hand for Syria)

    Geber: Auswärtiges Amt, UN OCHA Turkey Humanitarian Fund


    Mehr als 2,9 Millionen syrische Flüchtlinge haben bis März 2017 Zuflucht in der Türkei gefunden (UN OCHA). Die Kapazitäten der Flüchtlingslager reichen nicht aus, zudem möchten viele Menschen nicht in Lagern wohnen. Ein Großteil lebt daher außerhalb, die meisten im Südosten des Landes oder in den Großstädten wie Istanbul, Ankara oder Izmir. Die Welthungerhilfe versucht mit ihrer Arbeit einen Beitrag zum Überleben der Flüchtlinge zu leisten:

    Unterstützung von Gemeinschaftszentren in Istanbul, Mardin und Gaziantep. Die Zentren werden von türkischen lokalen Partnern geführt.

    Nahrungsmittelsicherung durch Bargeldkarten, individuelle Beratung von Flüchtlingen und Cash for Work

    Unterstützung von Schultransporten

    Unterstützung von „Arts Anywhere“, einer lokalen Organisation, die Kunstprojekte, Workshops und Veranstaltungen für Kinder und Erwachsene veranstaltet

    Einrichtung eines Waschsalons mit Hilfe privater Spenden

    Geber: Auswärtiges Amt, Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ), Eigenmittel, private Spenden

    Video (2015): Als syrischer Flüchtling in der Türkei