Debt Consolidation Services California! ( Video

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Debt Consolidation Services California, REMMONT.COM


Debt Consolidation Services California

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Debt vs. Equity Analysis: How to Advise Companies on Financing? ( Video

Debt vs. Equity Analysis: How to Advise Companies on Financing, REMMONT.COM


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Debt vs. Equity Analysis: How to Advise Companies on Financing, NEF2.COM


Debt vs. Equity Analysis: How to Advise Companies on Financing

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Top national 5-year CD rates pay %

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Top national 5-year CD rates pay %, NEF2.COM

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Top national 5-year CD rates pay 2.27%

For savers shopping worthy 5-year CD rates, 2016 has been a year of dashed hopes.

Though the Federal Reserve raised interest rates in December 2015, the top yields in the major CD terms didn’t just fail to rise — some actually dropped.

Searching Bankrate’s extensive database of the day’s best CD rates shows that 60-month yields have been hit especially hard, sitting almost two-tenths of a percentage point lower now than in December 2015.

Fortunately, local deals from credit unions and community banks continue to pay up to three-quarters of a percentage point more than the leading national return — over 3% in one instance.

But when will long-suffering savers finally see some improvement among national offers? It depends on how banks react to what we expect the Fed will announce this week. We’ll fill you in on the details.

The top national deals

Today’s top 5-year return sits at 2.27% APY. down from the 2.45% APY you could earn at the time of the Fed’s hike.


The drop in the lead only tells part of the story, because while in December savers could earn more than 2.00% APY from 16 national banks, that had dwindled to just two banks until recently.

Fortunately, the number of national CD offers above 2.00% has since risen to five banks, after a handful of banks increased their long-term rates over the past month.

The current leader, paying 2.27% APY, is still State Bank of India-Chicago. which is a U.S. branch of India’s largest bank and is FDIC-insured. It has held the top spot alone for four months now.

While today’s leading rate is a letdown from last December, it’s good to remember that it’s still high above the term’s post-recession low of 1.75% APY, endured in the spring of 2013.

TOP 5-YEAR CD RATES: Nationally Available Bank Deals

Earning more with local deals

Of course, there are always some lucky savers who can outearn the top national rate with certificates of deposit from a community bank or credit union.

These institutions often offer chart-topping yields to savers who live or work nearby or are willing to jump through a hoop or two.

Here’s a baker’s dozen of worthy deals, paying qualified savers as much as 3.05% APY on 5-year terms. One of the credit unions even accepts members nationwide.

As always on the deals below, eligibility requirements will apply. So contact the bank or credit union directly to determine if you qualify.

TOP REGIONAL 5-YEAR CDS: Credit Unions Community Banks

Ohio, Indiana, Kentucky

Texas, Louisiana, Oklahoma, New Jersey, Alaska

Georgia, Illinois, Iowa, North Dakota, South Carolina, Wisconsin

Waiting for higher returns

If you think you might qualify for any of these deals, they’re worth investigating because they pay about three times more than the current average 5-year return of 0.82% APY. according to our weekly nationwide survey of banks and thrifts.

The average return bottomed out at 0.77% APY in the summer of 2013 and gradually rose to 0.89% APY in spring 2015. But since the Fed’s hike in December 2015, it’s eroded from 0.85% to 0.81% APY.

Rewind to February 2007, before irresponsible mortgage lending led the economy over a cliff. Back then, the national average return for 5-year CDs was 4.02% APY .

But with the financial crisis throwing the economy into a tailspin, the Federal Reserve applied the brakes not only by repressing interest rates to record lows in 2008 but by keeping them anchored there for seven years.

That historic era in the Fed’s timeline officially ended when it made a small rate increase in mid-December 2015.

Although the Fed had indicated it would gradually push interest rates higher over the next several years, global and economic news in 2016 has given the rate-setting committee pause.

Indeed, seven of the committee’s eight 2016 meetings have come and gone without any announcement of a further rate increase.

But at this week’s Fed meeting, most economists and Wall Street forecasters finally expect Hike #2 to be announced.

When that does happen, we hope banks will finally begin to react, as 5-year CD rates could certainly use the boost.

Disclaimer: The rates above were verified Dec. 12, 2016. Credit unions and community banks should be contacted directly to determine eligibility for opening accounts with that institution, as well as to verify current rates.

Yeah, I really wished she specified which credit union accepted nationwide membership.


TD Bank, Personal Banking, Small Business Banking, Mortgages and Loans, investments, td ameritrade logon.

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TD Bank, Personal Banking, Small Business Banking, Mortgages and Loans, investments, td ameritrade logon., REMMONT.COM

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TD Bank | Personal Banking, Small Business Banking, Mortgages and Loans, Investments

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A human in min mins sec secs

Banking made easy

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What’s happening in your life?

Expand Video Transcript

Banking Essentials

Your financial health

Making more informed everyday financial decisions can help you reach your long-term goals like buying a car, saving for retirement or home renovations.

Td ameritrade logonFind the best checking account for you

Essential accounts

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Couples & Family

Finances for a growing family

Resources and tips for new couples and parents to plan, save, budget and talk about your money.

Td ameritrade logonBudget together

Td ameritrade logonBaby basics shopping list

Td ameritrade logonFind the best checking account for you

Planning ahead

Td ameritrade logonYoung saver? It’s never too early to start saving.

Td ameritrade logonThe benefits of long-term savings

Td ameritrade logonDependents credits and deductions calculator*

Borrow what, and how, you want

Build a nursery, pay unexpected bills or consolidate debt with a personal loan or line of credit.

School Days

Financial education

Tips and games to help your children be money savvy.

College prep

Td ameritrade logonGuide to financing higher education.

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New Job

Congratulations!

You just landed your first big job. Now you can find a place of your own, plan a vacation or create the future you want.

Td ameritrade logonBuild a budget | The importance of credit

Your banking foundation

401k Rollover

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Homeownership

Happy @ home

Buying a home or refinancing? Tapping your home’s equity?

Get prepared and eliminate surprises with information, tools and expert help.

Crunch your numbers

Td ameritrade logonCalculate your mortgage rate and payment

Guidance and support

Talk to a Mortgage Advisor

Td ameritrade logonMortgage Refinance Tax Deductions*

Td ameritrade logonDeducting Mortgage Interest and Property Tax*

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Qualified TD Bank personal checking customers get 0.125% off their mortgage rate, which could save you thousands in interest over the life of your loan.

To be eligible for the 0.125% discount, a TD Bank personal checking account is required to be open and in good standing within 14 calendar days of loan application. Offer subject to change.

*This is an example only. Savings example is based on a rate for a 30-year-fixed rate loan and assumes the purpose of the loan is to purchase a property, an existing single family home to be used as a primary residence with an estimated property value of $250,000, a 20% downpayment and loan value of $200,000. The property is located in Framingham, MA and is within Middlesex county. The rate reflects a 60 day rate lock period.

The rate shown is not guaranteed and is subject to change without notice. This is not a credit decision or a commitment to lend. The information provided assumes excellent credit score rating of 740. An escrow (impound) account is required. Your actual rate will depend on various factors including but not limited to loan type, credit profile, property type, appraised value, occupancy, subordinate financing and loan size.

Starting a Business

You’re the boss

Jump-start your business with financial expertise, tools and products designed for start-ups and growing companies.

Td ameritrade logonSee if you have enough cash to grow

Td ameritrade logonTax Tips for Small Businesses*

Business essentials

Td ameritrade logonFind the best business checking account

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Upchurch Services: HVAC Service, Emergency Plumbing Service, Memphis TN, plumbing and hvac.

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HVAC Service and Plumbing Repair in the Midsouth

Plumbing and hvac Plumbing and hvac

How can our expertise and commitment to customer satisfaction improve your facilities?

Upchurch Services provides the highest quality commercial and industrial HVAC service and residential, commercial and 24/7 emergency plumbing repair services for the Midsouth. We do it all!

HVAC Repair

There’s no HVAC repair we can’t do, including specialized chiller repairs, building automation and control systems. Our technicians are trained to perform any HVAC repair service.

Plumbing and hvac

HVAC Service

As a fully licensed and insured mechanical contractor, Upchurch Services provides all the HVAC service and HVAC installation & upgrade services your facility will ever need.

Plumbing and hvac

HVAC Maintenance

We also provide preventative maintenance for your facility and daily service for our larger mechanical clients. Contact Upchurch Services today for a quote from our team.

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Commercial Plumbing

Upchurch Services provides commercial and residential services from fixing a leaky faucet to a broken pipe underneath your foundation. Our expert plumbers are trained to meet your needs.

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Plumbing Repair

Our plumbing repair services range from residential services including plumbing fixture replacement and miscellaneous pipe and fixture repairs – every service you’ll ever need.

Plumbing and hvac

Emergency Plumbing

We are prepared every day for the unexpected so you don’t have to be. Our emergency plumbing services including septic repair, leak detection, pump services and drain repair. We have what you need.

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Treasury Inflation Protected Securities (TIPS)

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Treasury Inflation Protected Securities (TIPS), REMMONT.COM

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Treasury Inflation Protected Securities – TIPS

BREAKING DOWN ‘Treasury Inflation Protected Securities – TIPS’

Interest on TIPS is paid semiannually. TIPS can be purchased directly from the government through the TreasuryDirect system, in $100 increments with a minimum investment of $100, and are available with 5-, 10-, and 30-year maturities .

Because the semiannual inflation adjustments of a TIPS bond are considered taxable income by the IRS, even though investors don’t see that money until they sell the bond or it reaches maturity, some investors prefer to get TIPS through a TIPS mutual fund or exchange traded fund (ETF), or to only hold them in tax-deferred retirement accounts to avoid tax complications. Purchasing TIPS directly, however, allows investors to avoid the management fees associated with mutual funds. TIPS are also valuable because they are exempt from state and local income taxes.

Example of Treasury Inflation Protected Securities Adjustments

Suppose an investor owns $1,000 in TIPS at the end of the year, with a coupon rate of 1%. If there is no inflation as measured by the CPI, the investor will receive $10 over the year in coupon payments. If inflation rises by 2%, however, the $1,000 principal will be adjusted upward by 2% to $1,020. The coupon rate will still be the same at 1% but it will be multiplied by the new principal amount of $1,020 to get an interest payment of $10.20. On the other hand, if inflation was negative, as in deflation, with prices as measured by the CPI falling 5%, the principal would be adjusted downward to $950. The resulting interest payment would be $9.50 over the year.

At maturity, the investor would receive the principal equal to either the original principal of $1,000 or an adjusted higher principal, if applicable. The interest payments during the life of the bond are subject to being calculated from a lower principal, but the investor is never at risk of losing the total principal of TIPS if held to maturity. The investor can sell TIPS for less than the initial principal in the secondary market, however, before maturity.

Risks of Treasury Inflation Protected Securities

TIPS usually carry interest rates lower than other government or corporate securities, so they are not necessarily optimal for income investors. Their advantage is mainly inflation protection, but if inflation is minimal or nonexistent, their utility decreases. Another risk associated with TIPS is a higher tax bill. The adjustments of principal are considered income for tax purposes, although investors do not receive the adjustments, but instead receive the coupons that result from them. Thus, investors may be subject to tax on “phantom income,” with the gain in principal outweighing the coupons received.


Department of Computer Science, University of Toronto, masters in computer science.

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Rent A Dream Car, a Car Rental Services in Gold Coast for Sports Car or Luxury Car Rental? ) Video

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Rent A Dream Car, a Car Rental Services in Gold Coast for Sports Car or Luxury Car Rental, REMMONT.COM


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Donazione, AVIS TREZZANO, permesso per donazione sangue.

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Donazione

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LA DONAZIONE… come funziona?

SCOPRI QUANTO E’ SEMPLICE DONARE CON NOI!

DONAZIONE DI SANGUE: la giornata tipo della donazione, avviene dalle 8 alle 11.30 facendo una colazione leggera NO LATTE E DERIVATI, nelle domeniche dedicate presentandosi presso la nostra sede di via Boito n°7 a Trezzano s/N, dove provvederemo ad accompagnarvi all’ospedale San Paolo di Milano, oppure recandovi durante la settimana, stessi orari, con mezzi propri, dicendo tassativamente di essere INVITATI DALL’AVIS DI TREZZANO.

In ospedale si lasceranno dati anagrafici, tessera sanitaria, carta d’identità, codice fiscale, il tutto per l’iscrizione al loro archivio donatori. Si comincia con il prelievo di sangue per vedere lo stato dell’emoglobina, proteina essenziale per il trasporto dell’ossigeno ai tessuti contenuta nei globuli rossi. La carenza di emoglobina è detta anemia. Se questo valore rientra nei parametri di legge allora si passa alla visita medica dove sarà fatta un’anamnesi completa sullo stato di salute passato e presente compilando insieme al dottore un questionario e di seguito la visita in dettaglio con auscultazione del cuore, dei polmoni, pressione e quant’altro il medico decida a soggetto. Con l’esito positivo della visita del medico si può donare e in genere il prelievo da donazione dura dai 5 agli 8 minuti. Si resta sul lettino o sulla poltrona per tutto il tempo necessario per riprendersi e non avere conseguenze di mancamenti dovuti a troppa fretta di alzarsi. In seguito si deve fare colazione, offerta dall’ospedale. La giornata sarà caratterizzata da risposo adeguato, bisogna bere molto e mangiare in modo leggero, evitando alcolici e possibilmente di fumare. Dopo circa 15 giorni si riceveranno a casa gratuitamente le analisi complete del sangue! E si riceveranno sempre a ogni donazione successiva!

DONAZIONE DI PLASMA O PIASTRINE: sono 2 donazioni molto importanti e che durano circa dalla mezz’ora per il plasma, all’ora per le piastrine, requisiti richiesti peso minimo 60 kg e 250mila PLT (piastrine).

Per LEGGE il donatore ha diritto a un permesso lavorativo di 24 ore, retribuito per una donazione minima di 250 gr di emocomponenti. Se non si è potuto donare per determinati motivi, il centro trasfusionale attesta l’accaduto e il permesso concesso al lavoratore coinciderà con il tempo strettamente necessario per compiere tali procedure. PER L’IDONEITA’ su autoemoteca il permesso è del tempo strettamente necessarie per compiere la procedura.

Numeri interessanti:

  • Il sangue dura 45 giorni
  • La piastrina dura 5 giorni (1 strisciata equivale a 5 sacche di sangue!) si è chiamati all’urgenza.
  • Il plasma dura 2 ANNI (1 sacca equivale a 3 sacche di sangue!)
  • La prima cura che si da a un malato o che portano sulle ambulanze in caso d’incidente è il plasma….

Vademecum delle analisi del sangue

Esami ematologici – emocromo citometrico

EMOCROMO: è l’esame del sangue più eseguito. Esso contempla il conteggio del numero dei globuli rossi (eritrociti), dei globuli bianchi (leucociti) delle piastrine (trombociti), e la determinazione quantitativa dell’emoglobina. Con la formula leucocitaria, il laboratorio fornisce la percentuale di ciascun tipo di globulo bianco (granulociti neutrofili, eosinofili e basofili monociti, linfociti). In conclusione l’emocromo è suddiviso al suo interno in diverse sottoanalisi& a seconda che esse riguardino ora l’uno ora l’altro componente del sangue. Tra queste si ricordano l’ematocrito (HMT o Ht), l’emoglobina (Hb), il conteggio dei globuli bianchi, il conteggio delle piastrine.

È detto anche esame emocromocitometrico che letteralmente significa misurazione del colore del sangue e del numero delle sue cellule, cioè dei globuli&.

WBC (Leucociti): chiamati anche globuli bianchi, sono conteggiati con speciali apparecchi contaglobuli. Ce ne sono di diversi tipi: basofili, eosinofili, linfociti, monociti, neutrofili. La loro funzione è quella di difendere l’organismo dalle infezioni (vedi voci sotto).

RBC: sono globuli rossi, cellule del sangue che trasportano lossigeno, fissato tramite lemoglobina in esse contenuta, fino alle cellule dei tessuti e riportano ai polmoni parte dellanidride carbonica prodotta.

Hb: Proteina, costituente principale dei globuli rossi, adibita principalmente al trasporto dell’ossigeno dai polmoni ai tessuti; nel suo viaggio di ritorno nel sangue venoso l’emoglobina trasporta invece anidride carbonica ai polmoni dai quali questa viene espulsa con l’aria espirata.

Ht: Lematocrito definisce il rapporto fra parte cellulare (globuli rossi, globuli bianchi e piastrine) e parte liquida (plasma) del sangue. E basso nelle anemie ed in tutte quelle condizioni in cui cè una riduzione dei globuli rossi.

MCV: Volume corpuscolare medio, indica la grandezza dei globuli rossi ed è importante perché serve nella diagnosi delle anemie.

PLT: sono le piastrine, dette anche trombociti, sono corpi del sangue senza nucleo, di forma discoidale, che giocano un ruolo essenziale nei processi di coagulazione.

Neutrofili: Appartengono alla serie dei globuli bianchi e ne rappresentano la classe più numerosa e in genere aumentano nelle infezioni batteriche.

Linfociti: Cellule appartenenti a un gruppo di globuli bianchi d’importanza essenziale per la funzionalità del sistema immunitario dell’organismo.

Monociti: E un tipo di leucocito (WBC), sono cellule del sangue di grandi dimensioni, più grandi rispetto agli altri leucociti. I valori non nella norma determinano infezioni o malattie varie.

Eosinofili: E’ una varietà di globuli bianchi. I valori non nella norma determinano infezioni o malattie varie.

Basofili: Una delle forme dei globuli bianchi o leucociti.

Sideremia: è la concentrazione del ferro nel sangue. La misurazione della sideremia consente perciò di valutare le riserve di ferro presenti nell’organismo.

Transaminasi ALT: Enzima molto importante presente nel fegato. Si chiama transaminasi glutamico piruvica&, in sigla GPT oppure ALT (alanino amino transferasi); le transaminasi GPT danno la esatta valutazione della gravità dell’alterazione del fegato.

Transaminasi AST: Enzima molto importante, si chiama transaminasi glutamico-ossalacetico& che in sigla si definisce GOT oppure AST (aspartato transferasi). È presente nel fegato e viene analizzato per studiare le condizioni di questo organo, ma anche per valutare eventuali lesioni del muscolo cardiaco oppure alterazioni di quei muscoli che coordinano i movimenti dello scheletro.

Gammaglutammiltranspeptidasi: Enzima situato nelle cellule del fegato, del cuore, del pancreas e del rene, che serve a determinare alcune patologie inerenti agli organi interessati.

Glicemia: Indica la concentrazione nel sangue di glucosio, zucchero che si origina dal metabolismo di glicogeno, di amminoacidi e grassi introdotti con gli alimenti.

Colesterolo totale: E’ un grasso, importante costituente delle cellule dell’organismo. Può avere origine dal cibo (latte e derivati, carne, uova ecc.), ma la maggior parte è fabbricata dal fegato a partire da una vasta gamma di sostanze.

Trigliceridi: Sono sostanze grasse prodotte nel fegato o introdotte con gli alimenti. Insieme all’aumento del colesterolo, l’innalzamento dei trigliceridi costituisce un fattore di rischio perché danneggia le arterie.

Creatinina: E’ un componente del sangue che viene eliminato con lurina; segnala la funzionalità del rene in quanto viene eliminata dai reni stessi attraverso l’urina. Se la presenza di creatinina nel sangue è troppo elevata, ciò significa che i reni non riescono a farla passare nelle urine e quindi non svolgono bene il loro lavoro.

Esame per lo studio delle proteine

Protidemia totale: indica la quantità totale di proteine presenti nel plasma (vedi descrizione allegata in fondo).

Esami microbiologici e virologici

HBsAg Qualitative: test per epatite B, la positività per anti-HBs può indicare o lavvenuta guarigione da un pregresso contatto col virus oppure leffetto della vaccinazione per epatite B.

Anti – HCV: Anticorpi del virus dellepatite C (HCV). Lepatite C è uninfezione del fegato.

HIV Ag/Ab Combo: test per la rilevazione dell’antigene dell’HIV (AIDS)

NAT MULTIPLEX (HBV,HCV,HIV): reagente per epatite B, C e HIV (AIDS)

Syphilis TP (treponea pallidum): test per la verifica di anticorpi della treponea pallidum o sifilide (malattia venerea).

PSA (dopo i 50 anni): lesame rappresenta il marcatore più sensibile e più organo-specifico di cui la medicina disponga per la diagnosi del tumore alla prostata (fatto solo dopo i 50 anni).




Maximus – Marvel Universe Wiki: The definitive online source for Marvel super hero bios, maximis.

#Maximis


Maximus

Maximus the Magnificent, Maximus the Mad

Fantastic Four #47

Thor #149, Avengers #95

Maximus fired his weapon, and in disgust his brother dealt him a blow that knocked him off his feet. But soon, his weapon’s ineffectualness proved that humans and Inhumans were originally of the same species. When Medusa explained this to him, he went insane and reversed the power of his atmo-gun, creating a Negative Zone around Attilan, trapping the Inhumans within it for some time while the Fantastic Four escaped. Maximus became lost in his madness, babbling about becoming King one day and creating strange inventions. One of which was a very helpful device that allowed his cousin Triton to breathe air like any other Inhuman. But though he continued to taunt his fellow Inhumans, saying that only he knew how to break the barrier around Attilan, Black Bolt soon revealed the secret that only Maximus and Medusa knew: that he remained silent because the merest whisper from his lips would cause immense destruction. He announced this by destroying the barrier around the city, freeing the Inhumans to once again walk the human world. Then their Council of Elders announced that they wished the royal family to split up and explore the human world, which Black Bolt agreed to, and they sped off. Maximus was left in the city, rambling that he now had his chance to reclaim the crown and rule the Inhumans.

He later recovered enough of his sanity to use his scientific genius to capture the Inhuman’s royal family and retake the Inhuman crown. Maximus also used Lockjaw, along with the Alpha Primitives, to capture Crystal – who had become a member of the Fantastic Four – and brought her back to Attilan. He then sent the primitive, android Zorr, created to destroy the Fantastic Four, against them. But Black Bolt soon used his powerful voice to free the royal family, and Crystal destroyed Maximus’ massive hypno-ray, which he had intended to use against all of mankind. Maximus quickly escaped in a hidden rocket with a collection of Inhumans loyal to him.




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Auto insurance long beach ca, auto insurance long beach ca.

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What our clients say

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Macchine legno usate fallimento vendo milano – Cerca, compra, vendi nuovo e usato: Vendo N, compra macchine usate.

#Compra #macchine #usate


Vendo N.4 porte (usate) in legno noce verniciato. – Per la Casa – 60€

Verona – Vendo N.4 porte (usate) in legno noce verniciato (in ottimo stato, vedi foto) ad € 60,00 cad. con le seguenti. ..

Macchine vesta steiger – Macchine tessile – 9.000€

Novi di Modena (Modena) – Vendo macchine elettroniche steiger fin 5 e 12 usate.

Macchine per il legno – Attrezzature di Lavoro – 1.500€

Diverse macchine per la lavorazione del legno disponibili subito macchine in deposito completamente revisionate a 30 km da torino macchine CE e altre destinate.

Leborgne, 311.341 zappa fallimento forgiato /. – Giardino e Terrazza – 26,83€

23 Gennaio Leborgne Simili

Leborgne, 311.341 zappa fallimento forgiato / lingua 35 centimetri con manico in legno, B00UVCE0F8 Lancia: per lavori in superficie di fondo soffice o.

Barre portatutto per auto Fapa – molto usurata – Accessori Auto Chions – 30€

11 Gennaio Fapa Fapa Simili

Chions (Pordenone) – Da fallimento barre usate porta tutto per auto – usate Presentano diversi segni di usura Dimensioni: Lunghezza: 1110 mm Altezza: 190 mm Profondità: 80.

Leborgne, 310.261 zappa forgiato fallimento /. – Giardino e Terrazza – 29,95€

Maggio 2017 Leborgne Simili

Leborgne, 310.261 zappa forgiato fallimento / forcella 25 cm con manico in legno, B007C1PCMQ Lanza: per lavorare in superfici di terreno soffice, o rimuovere.

Troncatrice per taglio legno e cornici Modello. – Per le Aziende

Agrate Brianza (Monza e della Brianza) – Troncatrice omga con basamento aspirante, piani diagrammati dx e sx. perfetta! visita il nostro sito alla pagina macchine lavorazione legno usate per.

Macchine da ricamo 10.000€

Buongiorno cerco di acquistare delle macchine da ricamo misti con teste cordone e teste ricamo o delle macchine con cordoni o delle macchine di ricamo.

Teste di alce in legno – Oggetti d’artigianato – 25€

Melfi (Potenza) – Vendo due teste di alce in legno fatte a mano come nuove usate solamente una volta per allestire vetrina a 25 euro ognuna.

Vendo Macchine cardio Matrix – Biciclette Trento – 9.800€

Trento – Vendo macchine cardio Matrix con meno di 2 anni di vita tenute benissimo. N. 1 STEPPER N. 1 RECUMBENT BIKE N. 3 UPRIGHT BIKE N. 3 MX-T50X TREADMILL Come.

Bretelle colorate assortite – Abbigliamento – 8€

Milano – Vendo 5 bretelle colori assortiti. Nuove mai usate. Consegna di persona a Milano, Vigevano e Novara. Prezzo trattabile.

Set di 9 porte in legno / vetro stile unico vari. – Arredamento Casa – 990€

Roma – Causa lavori di ristrutturazione nell’appartamento vendo set completo di porte, usate ma in ottime condizioni, così composto: – 2 porte in legno larghezza.

Vendo biglietti Napoli Milano /Milano Napoli. – Biglietti – 130€

Crispano (Napoli) – Vendo 2 biglietti Napoli-Milano Milano-Napoli. 26 ottobre 2016 napoli-milano 27 ottobre 2016 milano napoli. posso venderli anche separatamente. Solo.

Scarpe col tacco lolita milano di velluto tag36. – Calzature – Borse – 5€

Piacenza – Scarpe da donna Lolita Milano di velluto nero e cuoio taglia 36; made in Italy; tacco 13 cm vendo tenute bene usate pochissimo come nuove come da foto.

Sedie da interno in legno laccato nero, con. – Macchinari Cesenatico – 25€

Cesenatico (Forli Cesena) – Sedie da interno in legno laccato nero, con braccioli, mod Old America o dette anche Katrin, vendo usate a 25+iva disponibili 27pz. Nuove costano 96+iva.

Operatori su macchine automatiche settore legno. – Offerte di Lavoro

11 Gennaio Tempo Determinato Industria Simili

Per importante Azienda del settore produzione OPERATORI SU MACCHINE AUTOMATICHE SETTORE LEGNO Descrizione dell’attività: Il lavoro prevede lavorazioni.

Vendo tavolo sala importante – legno massiccio. – Per la Casa – 1.500€

Campomorone (Genova) – Vendo tavolo arredamento sala, legno massiccio valore oltre i 2000 euro. vendo perche’ non ho posto.. in perfette condizioni.

Vendo Macchine Da Caffe’ Gimoka LITTLE CUP. – Elettrodomestici – 60€

Ottobre 2016 Anno 1980 Simili

Vendo 3 macchine del caffe’ gimoka modello little cup, per uso ricambi, in ottime condizioni.

Vendo scarpe della Lonsdale MAI USATE – Calzature – Borse – 35€

Roma – Vendo scarpe della Lonsdale MAI USATE! Ancora con il cartellino prezzo trattabile.

Voltmetro analogico Ing. S. Ferrari Milano. – Collezionismo – 30€

Lurago d’erba (Como) – Vendo antico voltmetro Ing. S. Ferrari Milano, cassa in legno in ottime condizioni 300 Volt f.s. perfettamente funzionante. Consegna a mano della merce.

Vendo 1 biglietto concerto Pooh a Milano l’11. – Biglietti – 35€

Milano – Vendo 1 biglietto concerto dei Pooh a Milano stadio San Siro primo anello rosso seconda fila consegna a mano a Milano entro Venerdi tardo pomeriggio a.

Acquistiamo Compriamo Auto Usate – Veicoli – 15.000€

Condizione:Nuovo Compro auto usate,qualsiasi marca,modello e anno. Pagamento immediato e passaggio a mio carico. Ritiro a domicilio.Tel. 345.8050645 Compriamo.

Custodie dvd usate – Videogiochi – 20€

Castelnuovo di Porto (Roma) – Vendo centinaia di custodie per dvd usate, nere e trasparenti, normali e slim.

Tovaglie con disegni marini, 250×175 vendo usate. – Macchinari – 10€

Cesenatico (Forli Cesena) – Tovaglie con disegni marini, 250×175 vendo usate ma in buone condizioni a 10 euro, disponibili 16pz.

Macchine da cucire usate – Attrezzature di Lavoro – 4.200€

Per chiusura attività si vendono diverse tipologie di macchine da cucire in ottimo stato, periodicamente revisionate e perfettamente funzionanti. Abbiamo.

Titolo: 4 botti in legno – per uso enologico e/o. – Vini e Gastronomia – 300€

Rezzoaglio (Genova) – Come da titolo vendo 4 botti in legno, ad uso enologico, perfettamente conservate, sempre sigillate e trattate con zolfo. Complete di tutte le loro spine.

Vendo due biglietti pullman Milano-Peschici. – Biglietti – 35€

Vendo due biglietti Milano (Lambrate) – Peschici solo andata per il giorno 10/07/2015. Orario di partenza 21:45, compagnia Ferrovie del Gargano. Consegna.

Juki DDl 8700 Siruba 516 m2 – Macchine per cuccire – 2.500€

Maggio 2015 Juki Ddl 8700 2012 Simili

Olbia (Olbia Tempio) – Vendo tre macchine industrie per cuccire tenute e manutenzione te in ottimo stato e di recente anno, juki Ddl 8700, Siruba 516 5 fili 2 aghi e una Japs.

Catene neve maggi mai usate gruppo 50 – Accessori Auto e Moto – 50€

Genova – Vendo catene neve maggi gruppo 50 (vedi foto per le misure), mai usate, vendo causa passaggio ad altra vettura.

Trasporti carrelli elevatori Milano – Attrezzature Di Lavoro – 0€

AUTOTRASPORTI CATTANEO sede MILANO e PIOLTELLO (MI) – SOLLEVIAMO E TRASPORTIAMO CON MEZZI GRANDI,MEDI E PICCOLI CON GRU E RAMPE IDR. PER MOVIMENTARE: TRASPORTI.

Vendo assortimento scarpe n°38! – Scarpe – 35€

Roma – Vendo in blocco causa trasloco. Alcune mai usate, perfette come da foto! Consegna a mano stazione monte mario, roma.




SWK Festgeld: hohe Zinsen, 100% Einlagensicherung, günstige zinsen.

#Günstige #zinsen


Ihr Festgeld mit attraktiven Festgeldzinsen

Günstige zinsen

Anlagebetrag

Bevorzugte Laufzeit

Günstige zinsen

Ihre Festgeldanlage wird von einem gesetzlichen Sicherungssystem gedeckt. Im Falle einer Insolvenz wird Ihre Einlage durch die Entschädigungseinrichtung deutscher Banken GmbH bis zu einer Höhe von 100.000,00 € in jedem Fall erstattet. Weitere Informationen erhalten Sie hier.

* Hinweise:

  • Die Mindesteinlagesumme beträgt 10.000,00 . Zinserträge werden zum Laufzeitende ausgezahlt. Bei Laufzeiten über zwölf Monaten erfolgt die Zinszahlung jährlich.
  • Zinseinkünfte sind steuerpflichtig. Bei Fragen hierzu wenden Sie sich bitte an Ihre zuständige Steuerbehörde bzw. Ihren Steuerberater.

Unsere Konditionen

Unsere Fest geld kon ditio nen im Über blick

Ihre Festgeldanlage wird von einem gesetzlichen Sicherungssystem gedeckt. Im Falle einer Insolvenz wird Ihre Einlage durch die Entschädigungseinrichtung deutscher Banken GmbH bis zu einer Höhe von 100.000,00 € in jedem Fall erstattet. Weitere Informationen erhalten Sie hier.

* Hinweise:

  • Die Mindesteinlagesumme beträgt 10.000 . Zinserträge werden zum Laufzeitende ausgezahlt. Bei Laufzeiten über zwölf Monaten erfolgt die Zinszahlung jährlich.
  • Zinseinkünfte sind steuerpflichtig. Bei Fragen hierzu wenden Sie sich bitte an Ihre zuständige Steuerbehörde bzw. Ihren Steuerberater.

Ihre Festgeldanlage wird von einem gesetzlichen Sicherungssystem gedeckt. Im Falle einer Insolvenz wird Ihre Einlage durch die Entschädigungseinrichtung deutscher Banken GmbH bis zu einer Höhe von 100.000,00 € in jedem Fall erstattet. Weitere Informationen erhalten Sie hier.

* Hinweise:

  • Die Mindesteinlagesumme beträgt 10.000 . Zinserträge werden zum Laufzeitende ausgezahlt. Bei Laufzeiten über zwölf Monaten erfolgt die Zinszahlung jährlich.
  • Zinseinkünfte sind steuerpflichtig. Bei Fragen hierzu wenden Sie sich bitte an Ihre zuständige Steuerbehörde bzw. Ihren Steuerberater.

Ihre Festgeldanlage wird von einem gesetzlichen Sicherungssystem gedeckt. Im Falle einer Insolvenz wird Ihre Einlage durch die Entschädigungseinrichtung deutscher Banken GmbH bis zu einer Höhe von 100.000,00 € in jedem Fall erstattet. Weitere Informationen erhalten Sie hier.

* Hinweise:

  • Die Mindesteinlagesumme beträgt 10.000 . Zinserträge werden zum Laufzeitende ausgezahlt. Bei Laufzeiten über zwölf Monaten erfolgt die Zinszahlung jährlich.
  • Zinseinkünfte sind steuerpflichtig. Bei Fragen hierzu wenden Sie sich bitte an Ihre zuständige Steuerbehörde bzw. Ihren Steuerberater.

Aktuelle Be wert ungen

Ausgezeichnet von:

Günstige zinsen

Günstige zinsen

Festgeldanlage: Einfach erklärt!

Car insurance, the way it should be

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

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

Also includes:

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

Get online car insurance quote

Breakdown assistance wherever you are

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

Get online car insurance quote

Discount for named driver experience

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

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

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Step back no claims protection

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




Aerolíneas Low Cost, compañias low cost.

#Compañias #low #cost


Aerolíneas Low Cost

vuelos baratos, aerolíneas low cost y compañías aéreas

Vuelos baratos Oferta de vuelos desde 8 euros

Oferta de vuelos baratos

Nuevos vuelos entre el Aeropuerto de Barcelona y Shanghai

La compañía aérea Air China empieza a comercializar los billetes de su nueva ruta entre Barcelona y Shanghai, que lanzará el próximo 5 de mayo. La aerolínea china líder en vuelos a Europa operará tres vuelos semanales conectando España y China durante todo el año.

Los horarios permiten conectar con varios destinos interiores relacionados con los negocios, como Chengdu, Guangzhou, Hangz-hou o Fuzhou, y destinos internacionales en Japón, Taiwán y Australia. El vuelo será operado en un Airbus 330 con 16 plazas de business y 239 asientos en turista.

La ruta Barcelona Shanghai cuenta con un tráfico de 100.000 personas, que estaban obligadas hasta hoy a realizar conexiones en otros aeropuertos europeos o de Oriente Medio. Air China opera desde 2014 la ruta entre Barcelona y Pekín y opera un vuelo entre la capital china y Madrid, que dos días a la semana se prolonga hasta São Paulo (Brasil).

Air China es una de las compañías de la alianza Star Alliance.

¿Qué aerolínea es la más puntual? La española Iberia

Iberia ha sido la aerolínea más puntual del mundo en 2016 en su respectivo segmento, según ha concluído la consultora Flightstats.

Según sus datos la compañía aérea de la alianza OneWorld llegó a tiempo en el 87,79% de los vuelos realizados el año pasado, y despegó según lo previsto en el 86,55% de los casos.

Aerolínea más puntual en 2016

Ryanair 10 millones de pasajeros en un sólo mes

10 millones de pasajeros transportados en un único mes. La aerolínea irlandesa de bajo coste ha anunciado los datos de ocupación del pasado mes de julio, y se anota un récord de pasajeros espectacular. En efecto, es la primera vez en la historia en la que una aerolínea ha transportado más de diez millones de clientes internacionales en un único mes. Una cifra espectacular.

Así ganan dinero las aerolíneas, más allá de los billetes

Según un reciente estudio las compañías aéreas ganaron durante el año 2014 la cantidad de 34.471 millones de euros en servicios extra. Es decir, sin tener en cuenta los importes generados por la venta básica de billetes, su negocio principal.

Obtener estos ingresos extra fuera del coste del billete es un objetivo clave en muchas aerolíneas. Para conseguirlo vemos cómo se implementan programas de fidelización, se incentivan las compras a bordo, los seguros por cancelación, se aplican cargos por el uso de determinadas tarjetas de crédito y muchas más estrategias. Todo pensado para que aumente el dispendio de cada viajero que reserva un vuelo.

Aeronave de la compañía low cost Spirit

Los ingresos extra, llamados también ancilliaries en inglés, no son una exclusivos de las compañías low cost, sino que todo el conjunto de aerolíneas aéreas lo implementan, llegando a representar cerca del 40% de sus ingresos. Vale la pena tenerlo en cuenta cuando reserves tu próximo vuelo barato. ¡Cuidado con los gastos extra!

Compañías aéreas con más ingresos extra

Según el análisis hecho por CarTrawler las aerolíneas que destacan en el peso de los servicios ancillary sobre el total son Spirit (38,7% de ingresos totales son ancillary ), Wizz Air (33,7%) y Allegiant (32,4%) en los tres primeros puestos.

Les siguen Jet2.com (28,5%), Ryanair (24,6%) y la aerolínea low cost asiática Tigerair (21,8%), así como Jetstar (20,8%) y Flybe (20,7%). Cierran la lista en noveno y décimo puesto AirAsia X (20%) y Volaris (19,5%).

Si analizamos los ingresos por ancillary y pasajero, Jet2.com escala al primer puesto con 56,28 dólares (51 euros), seguida de Spirit, con 52,35 dólares (47,4 euros), y Qantas Airways, con 50,56 dólares (45,8 euros).

Nuevos vuelos de Norwegian en España destino Islas Canarias

Norwegian despega en el mercado doméstico español con siete rutas entre la Península y las Islas Canarias

A partir del próximo mes de octubre la aerolínea low cost Norwegian unirá Madrid con Gran Canaria y Tenerife Norte, también volará de Barcelona con destino Gran Canaria, Tenerife Norte y Fuerteventura, y Málaga con Gran Canaria y Tenerife Sur, con tarifas a partir de 39,60 euros por trayecto, tasas incluidas. Los vuelos ya se encuentran a la venta.

Ryanair cumple 30 años

La compañía Ryanair celebra sus 30 cumpleaños. Es una de las aerolíneas low cost por antonomasia y las que han desarrollado a fondo una estrategia de bajo coste durante estos treinta años, muchas veces apoyados con una política de comunicación y promoción controvertida.

Infografías de Monarch Airlines sobre aeropuertos del Reino Unido

La aerolínea Monarch ha publicado unas interesantes infografías dirigidas a los turistas que quieran visitar algunas de las principales ciudades del Reino Unido. En ellas se destacan las principales atracciones turísticas de cada una de las urbes y se explican detalles sobre los transportes del aeropuerto al centro de la ciudad.




Mutuo UniCredit a tasso fisso 1%, non è così conveniente, miglior taeg prestito.

#Miglior #taeg #prestito


Mutuo UniCredit a tasso fisso 1%, non è così conveniente

Abbiamo analizzato nel dettaglio il mutuo a tasso fisso 1% UniCredit, tanto pubblicizzato nelle ultime settimane. Il tasso è sicuramente allettante, ma con le altre spese previste rischi di pagare di più: sul mercato si può trovare di meglio.

  • contributo tecnico di
  • Anna Vizzari
  • di
  • Vittoria Vigoni
  • contributo tecnico di
  • Anna Vizzari
  • di
  • Vittoria Vigoni

Casimiro PT / Shutterstock.com

UniCredit sta pubblicizzando il suo mutuo a tasso fisso per acquisto, ristrutturazione e surroga, con un tasso che fa davvero gola: l1%. Peccato sia limitato solo a determinati casi (capitale e durata) e soprattutto il tasso di per sé dice poco sulleffettivo costo del mutuo che si può capire solo considerando il Taeg. Ricorda sempre che, qualsiasi mutuo tu voglia stipulare, non è obbligatorio avere il conto corrente nella stessa banca e non ti può essere chiesto di comprare obbligatoriamente una polizza a copertura del credito o una polizza casa venduta dalla banca: sono pratiche scorrette. Analizziamo insieme nel dettaglio il mutuo tasso fisso UniCredit per capire se è davvero conveniente.

Le opzioni di flessibilità del mutuo a tasso fisso UniCredit

Tra le caratteristiche del mutuo cè il Riduci, Taglia o Sposta rata. Si tratta di opzioni di flessibilità concesse al cliente fin dalla stipula, ma sono operative solo dopo due anni dalla stipula e solo se il cliente, quando le richiede, ha pagato regolarmente tutte le rate. Non si possono chiedere nellultimo anno del mutuo. La banca non può dire di no. Ecco quali sono:

  • Riduci Rata permette di allungare il piano di ammortamento del mutuo fino a 48 mesi;
  • Taglia rata consente di ridurre per una sola volta fino a un massimo del 100% la quota capitale della rata per massimo 12 mesi. Se possibile meglio evitare: nel frattempo si paga la quota interessi e la quota capitale viene accantonata in un conto accessorio su cui vengono calcolati interessi;
  • Sposta rata consente di posticipare fino a un massimo di tre rate il pagamento delle rate. Il piano di ammortamento viene allungato, quindi di massimo 3 mesi. Si può chiedere per tre volte durante il piano di ammortamento.

I tassi cambiano a seconda del loan to value e della durata

Attenzione al loan to value (chiamato LTV), cioè il rapporto tra capitale chiesto in prestito e valore di perizia della casa su cui la banca iscrive ipoteca. Ad esempio per il mutuo di ristrutturazione questo rapporto non può essere superiore al 50%, per la surroga si può arrivare all80%, per lacquisto fino al 100%. Più cresce questo rapporto, più aumenta il tasso dinteresse applicato. Il tasso cresce, a parità di LTV, proporzionalmente alla durata del mutuo. Ad esempio un mutuo al 50%, di durata 10 anni, ha un tasso dell1%, ma se diventa all80% il tasso è del 2% e per un mutuo al 100% arriva al 4,80%.

Le spese del mutuo a tasso fisso UniCredit

Il tasso da solo dice poco sui costi complessivi di un mutuo, perché bisogna considerare anche le altre spese (istruttoria, perizia, assicurazioni, etc). Nel caso del mutuo a tasso fisso UniCredit ci sono:

  • spese di istruttoria pari all1,25% del capitale del mutuo con un minimo di 1000 euro e un massimo di 2000 euro;
  • spese di perizia;
  • assicurazione sulla casa con un premio unico pari allo 0,03% del capitale del mutuo per il numero di anni di durata;
  • imposta sostitutiva pari allo 0,25% del mutuo (2% in caso di acquisto e ristrutturazione seconda casa);
  • spese di gestione pratica: 60 euro annui a partire dallanno successivo allerogazione;
  • spese di incasso rata: 3 euro su conti UniCredit, 5 euro su conti altre banche.

Calcoliamo il mutuo a tasso fisso UniCredit per due profili

Per capire se il mutuo a tasso fisso UniCredit è davvero conveniente, abbiamo ipotizzato questi due possibili scenari:

  • un mutuo tasso fisso di 80.000 euro, di 10 anni, chiesto per acquistare unabitazione principale che ha un valore di perizia di 170.000 (LTV pari al 47%). Il mutuo, in questo caso, avrà un Tan dell1%, una rata mensile pari a 700,83 euro che diventano 705,83 euro per chi non è correntista UniCredit e 703,83 per i correntisti UniCredit (per incasso rata). Il Taeg considerando tutti i costi (incluso perizia e assicurazione casa) è pari all1,71% che scende all1,65% per i correntisti UniCredit. Con lo stesso profilo, nel nostro calcolatore puoi trovare mutui migliori, per esempio: Monte dei Paschi Benvenuto nuovi clienti taeg 1,37%, Veneto Banca Mutuo Now taeg 1,45%, Intesa San Paolo mutuo fisso taeg 1,48%.
  • un mutuo di 150.000 euro, di 25 anni, per acquistare un’abitazione principale del valore di perizia di 187.500 euro. Il tasso applicato in questo caso è del 3,20%, la rata mensile è di 727,02 euro che con incasso rata diventa 730,02 per i correntisti UniCredit e 732,02 euro per chi non è correntista UniCredit. Il Taeg (tutte le spese incluse anche spese di gestione, perizia e assicurazione casa) è pari al 3,62% e scende al 3,6% per i correntisti UniCredit. Anche con questo profilo, nel nostro calcolatore puoi trovare mutui migliori, per esempio: Banco Bpm taeg 2,23%, Veneto Banca Mutuo Now taeg 2,26%, Intesa San Paolo taeg 2,28%.

Usa il nostro servizio di comparazione per trovare il miglior mutuo sul mercato: è sufficiente inserire le tue esigenze per avere un calcolo personalizzato.


Comparador de Seguros de Coche, seguros vehiculos.

#Seguros #vehiculos


Seguros de Coche

Comparar seguros de Coche online tiene muchas ventajas: en sólo unos minutos obtienes varios presupuestos personalizados, ordenados por precio y con acceso a comparar las coberturas que incluyen. Además, con Rastreator.com tienes el mejor precio garantizado por las aseguradoras.

Calcular el mejor precio para tu seguro de Coche nunca ha sido tan fácil y rápido

Calcula precios en menos de 3 minutos

Compara entre aseguradoras líderes

Contrata directamente con la compañía

Más de 30 compañías en nuestro comparador de seguros de Coche

de ahorro medio en tu seguro a terceros ampliado

¿Por qué comparar seguros de Coche?

Actualmente con más de 30 compañías de seguros activas en España, calcular el mejor precio para el seguro de tu coche es fundamental. La oferta es muy amplia, las condiciones varían en función de cada aseguradora, y no sólo hay que mirar precio sino también qué coberturas se incluyen. Analizar las opciones puede ser una tarea compleja por lo que nunca está de más tener ayuda durante el proceso, y, de paso, ahorrar tiempo y dinero.

Encontrar un seguro más barato y completo es posible si se cuenta con las herramientas adecuadas.

En Rastreator.com aparecen los precios que envían las compañías en tiempo real y ajustados al perfil de usuario. Así no solo conseguirás que el precio de la póliza sea el más barato posible para cada conductor, sino que también ahorrarás muchísimo tiempo.

Mejor precio garantizado en todas las aseguradoras

Termina en menos de cinco minutos

Compara las coberturas al detalle

Todos los vehículos: turismos, todoterrenos, furgonetas.

Conoce lo que piensan nuestros usuarios

Ha sido fantástico consultar en vuestra página, me acabo de ahorrar casi 300€, imagínate que alegría me he llevado.

Un servicio muy rápido y muy completo. Ofrece la información y al mismo tiempo el teléfono para contactar con el seguro, alto grado de personalización para introducir detalles del coche y que el presupuesto sea más ajustado.

Me sorprendió la claridad de la información detallada y muy bien comparada. Pude sacar una idea muy rápidamente en cuanto a lo que era mejor en mi caso. Excelente.

Si quieres ahorrar en tu seguro de Coche como nuestros usuarios, compara ahora.

Calcular seguros de Coche: Factores que influyen en el precio

El tipo de póliza, el coche, el conductor y su historial son determinantes para calcular el precio del seguro. Así es como influyen estos factores en el coste final:

Tipo de Póliza

Un seguro a Terceros es la opción más barata, seguida de Terceros Ampliado. Un Todo Riesgo es la elección más cara y completa.

Tipo de coche

La marca, el modelo, el motor o el combustible influyen mucho en el precio. Asegurar vehículos de mucho valor o potencia es más caro.

Perfil de conductor

En este caso ser joven no juega a nuestro favor, a más edad y años de experiencia al volante menos coste. Influyen también otros factores como el estado civil, la profesión, nacionalidad o el hecho de tener o no hijos.

El historial siniestral del conductor

Un conductor que haya tenido varios accidentes con culpa pagará más que otro que no haya dado partes.

La localidad

Residir en un lugar donde llueva mucho, nieve o haya posibilidad de desastres naturales con frecuencia encarece el precio del seguro.

Garaje

Aparcar en un garaje individual, colectivo o directamente en la calle, es otro de los factores que se tienen en cuenta a la hora de obtener un presupuesto.

La compañía aseguradora

Los seguros de Coche pueden ser muy diferentes de una marca a otra. Cada compañía tiene sus propios criterios para calcular el precio de un seguro.

Tipos de seguro de Coche

Es bueno conocer los tipos de seguros de coche que ofrece el mercado para elegir el que más te interese. A la hora de calcular el precio de tu seguro debes tener en cuenta que el rango de coberturas varía bastante de unos a otros. En la actualidad los principales seguros de coche son: Terceros, Terceros Ampliado, Todo Riesgo y Todo Riesgo con Franquicia.


Ahima Accredited Medical Coding Programs – The Medical Coding Schools, accredited medical billing and coding programs.

#Accredited #medical #billing #and #coding #programs


accredited medical billing and coding programs

Approvals And Accreditation | Medical Coding Training

INDUSTRY APPROVAL AND ACCREDITATION. The American Health Information Management Association making them uniquely qualified to review medical coding training programs. AHIMA maintains a list of approved coding certificate programs,

Medical Billing And Coding Certificate Programs

A Certificate in Medical Billing and Coding is offered by both one becomes a Certified Coding Specialist (CCS), Certified Professional Medical Auditors (CPMA) or Accredited Record The admission requirements of Medical Billing and Coding Certificate Programs will depend upon

The most relevant trends and data to help you find the best accredited medical coding schools in Texas. Insight on students, faculty and medical coding professional salaries. Find Your Degree. Medical Coding programs available for each degree type for all schools in Texas. associate: 1:

43 Accredited Medical Coding Schools In California

Medical Coding classes faculty can choose to work at one of 43 accredited medical coding schools in California. The graphs, statistics and analysis below outline the current state and the future direction of academia in medical coding in the state of California, which encompasses medical coding

Prepare for your medical coding career at an Accredited online medical coding School that backs your education AHIMA / CAHIIM Accredited Medical Billing Coding Your guide to AHIMA / CAHIIM accredited medical coding and health information education. CAHIIM Accredited Coding Programs.

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AHIMA / CAHIIM Accredited Schools Online. Health Information Technology and Medical Billing and Coding Programs. American Health Information Management Association (AHIMA)

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Health Information Technology and Medical Billing and Coding Programs. Request free school information. Medical Billing/ Coding Online | Certified, From Home AHIMA / CAHIIM Accredited Online Medical Coding Schools

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Ahima Approved Online Medical Coding Programs. Schools Medical Billing. 49 Accredited Medical Coding Schools In Texas The American Health Information Management Association s Council on Certification

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AHIMA / CAHIIM Accredited Medical Billing Coding Your guide to AHIMA / CAHIIM accredited medical coding and health information education. CAHIIM Accredited Coding Programs

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Professional Certificate Approval Program (PCAP) Affiliation distinguishes your coding certificate program as one that meets the rigorous standards of the AHIMA Foundation s national model curriculum. Programs that wish to offer a certificate in coding can demonstrate to the public

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Insurance Agent Leads, Insurance Leads for Agents, AHCP, insurance agent leads.

#Insurance #agent #leads


Features Benefits

No matter how long you ve been in the business, agents all want to know about the leads. Who doesn t? It is the life blood of new business.

We hear you, which is why we have developed an industry leading lead program. We offer qualified and unlimited leads at deep discounts through our vetted lead producers. AHCP agents also earn valuable lead credits with every issued policy to help you exponentially increase your sales. With CRM tools to help you organize and maximize these leads we take away the hassle of managing your leads and allow you to do what you do best.

Support

As an AHCP agent you ll be able to count on a support team to assist you with everything you need to free yourself from the administrative nightmares of running a small agency. We ll simplify your carrier appointments, track and process commissions, provide easy online tools, set you up with product training and we ll deal with all of the carriers on your behalf.

Training

Our personal training and coaching support system provides you with the expertise, tools, motivation and insights to win in the insurance business. Our national sales trainer provides several training opportunities each week along with opportunities to meet for one-on-one coaching. You will receive invitations to exclusive webinars and an on-demand training library hosted by top industry professionals.

Unique Products

As part of a multi-billion dollar insurance enterprise, AHCP has exclusive access to proprietary supplemental health products available only to our agents. If you re trying to offer clients distinctive choices, AHCP has what you re looking for.

Carrier Choices

With more than 50 carriers across all categories including major medical, short term medical, ancillary, senior market, life insurance and dental, you will have access to the best selection of products for your clients. We also offer a one stop shop for you to receive all your carrier appointments in one place. Search carriers and products by state using our interactive map.

Additional:

  • Commission advances
  • Sales contests
  • Exclusive access to proprietary products
  • Web and telephone enabled enrollments
  • Extremely competitive and uncapped commissions
  • On Off exchange opportunities
  • Incentives and bonuses
  • Call center support for large cases

Agent Tools

Track and process commissions, manage leads and simplified carrier appointments are standard with our easy online tools. Our CRM tool will help you swiftly move through your presentations. Having all of your client s information in one spot, will help give you the confidence that your data is safe. Learn more about AgentCubed.

Agent Cubed is a CRM solution that can take your business to the next level. Through this technology, AHCP provides agents with qualified shared leads at a deeply discounted rate.

Exclusively through AHCP the first 30 days of the program is completely FREE.

Sales Marketing Materials

Licensing and Continuing Education

AHCP Brokers have 24/7 access to online pre-licensing and CE courses at discounted rates. We’ve partnered with ExamFX to ensure you pass your state licensing exam on your first attempt. To meet your state license renewal requirements ExamFX offers a library of online Continuing Education courses.


WA State Licensing (DOL) Official Site: Mandatory insurance for drivers in Washington, minimum coverage auto insurance.

#Minimum #coverage #auto #insurance


Getting a driver license: Mandatory insurance

If you drive your car without the required insurance, you could receive a fine of $550 or more.

If you drive a vehicle that is required to be registered in Washington State, you must have one of the following:

The auto insurance policy must have limits of at least:

  • $25,000 of bodily injury or death of 1 person in any 1 accident.
  • $50,000 of bodily injury or death of any 2 people in any 1 accident.
  • $10,000 of injury to or destruction of property of others in any 1 accident.

Required proof of auto insurance

Any time you drive in Washington, you must be prepared to show your auto insurance identification card to law enforcement. You will get this identification card from your auto insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company.
  • Policy number.
  • Effective date of the policy.
  • Expiration date of the policy.
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word fleet may be used for more than 5 vehicles owned by the same person or business.

Failing to show this proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

If you have 26 or more vehicles, you may qualify for self-insurance. For more information, contact us at:

Department of Licensing

Olympia, WA 98507-9030

Required proof of self insurance

Any time you operate a vehicle in Washington, you must be prepared to show your self insurance certificate to law enforcement. The certificate may be printed on any size document and must include all of the following:

  • Self insurance certificate number we issued to you.
  • Effective date of the certificate.
  • Description of the year, make, or model of the covered vehicles, or the name of the covered driver. The word fleet may be used in place of the vehicle description.

Failing to show proof is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

If you want to apply for a certificate of deposit

If we don t receive all documents within 30 days, we ll send you a denial letter.

If we don t receive proof of payment, we can t process your application.

What s the minimum deposit amount?

The certificate of deposit must be for at least $60,000. You can make a deposit of collateral with us (DOL) or in a bank account set up for the State of Washington.

You must show proof of your certificate of deposit

Any time you operate a vehicle in Washington, you must be prepared to show proof of your certificate of deposit to law enforcement. The information may be printed on any size document and include the following:

  • Certificate number issued by us (DOL)
  • and
  • Name of the covered driver.

Failing to show proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

The bond must be for at least $60,000, and must be filed by a surety bond company authorized to do business in Washington.

Required proof of liability bond

Any time you operate a vehicle in Washington, you must be prepared to show proof of your liability bond to law enforcement. The information may be printed on any size document and must include all of the following:

  • Name of the company that issued the bond.
  • Bond number.
  • Name of the covered driver.

Failing to show this proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

Exceptions

You don t need to have insurance when you operate a vehicle registered as any of the following:

  • Motorcycle. (RCW 46.04.330)
  • Motor-driven cycle. (RCW 46.04.332)
  • Moped. (RCW 46.04.304)
  • Horseless carriage over 40 years old (RCW 46.18.255)
  • State or publicly-owned vehicle. (RCW 46.16.020)
  • Common or contract carrier with the Washington Utilities and Transportation Commission.

Vehicles registered in another state

When you drive a vehicle in Washington that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.


Whole Life Insurance with No Medical Exam, life insurance without a physical.

#Life #insurance #without #a #physical


Getting a Whole Life Policy Without a Medical Exam

Nobody wants to spend too much time thinking about the end of their life. However, leaving loved ones in a financial bind is not a good thought either. While it would be ideal if you could save money throughout your life for these expenses, most people need what they make to live on. It’s not at all uncommon for a couple to hit retirement and have no real plan in place for end-of-life expenses. Luckily, there is still the option of no medical exam whole life insurance. Getting life insurance without a medical exam is ideal for many situations, but you need to shop carefully and understand what these policies offer and, perhaps most importantly, what skipping a medical exam could cost you.

The Benefits of Skipping a Medical Exam

There are several benefits to obtaining a no medical exam whole life insurance policy. One of the main reasons that so many people favor no exam whole life policies is because there is no exclusions when it comes to existing health conditions. Many life insurance carriers will refuse to issue a policy for people who have been diagnosed with cancer, have a history of heart problems or even have been smokers throughout their life. With a whole life insurance no exam policy, you can get coverage no matter what your circumstances or your current medical conditions. If you pass away during the period where the policy is active, your dependents will get a lump-sum payment that can be applied to funeral expenses or helping them maintain their current lifestyle while they make other arrangements. In addition, all whole life policies have a cash value and do not expire, unlike term life plans. In short, if you currently have medical conditions that would normally prevent you from getting a policy, this particular type of screening is ideal for the whole life insurance product.

What a No Exam Policy Will Cost You

Forgoing a medical exam is not without a price. It’s important to realize that most no medical exam whole life insurance policies probably have limitations and exceptions to coverage. It’s very common for this type of coverage to have an exclusion period, often as long as two years, sometimes longer depending on the provider. This means that if any of the policy holders die from natural causes or disease during this time their beneficiaries may be left with a reduced settlement or no payout at all; being involved in an accident may or may not apply to this limitation. In addition, buying a whole life insurance no exam policy can be very expensive – often significantly more than a comparable plan where the insured undergoes an examination. Since costs can be as much as double that of a policy issued without an exam, you should try to exhaust that option first. If you’re absolutely sure that an examination would preclude you from a policy (or you just don’t want to subject yourself to a medical exam) we can help. We work with the nation’s top providers of no medical exam whole life insurance, so use the form at the top of this page to view current rates and select the provider that best-fits your current situation.

925 Peachtree Street NE Ste 615

Atlanta, GA 30309

Call Center (877) 407-6153

All other trademarks and copyrights are the property of their respective holders.

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Health Insurance Companies in Dubai, Medical Insurance Dubai, private medical insurance brokers.

#Private #medical #insurance #brokers


Medical Insurance

Private medical insurance brokersAs the old saying goes, “health is wealth.” Make sure you and your family are fully protected with a reliable health insurance in Dubai and avoid the unexpected expenses that come with illnesses.

Still looking for a health insurance policy? At Al Nabooda Insurance Brokers, we have a dedicated team that specializes in helping customers determine and acquire the medical insurance policy that meets all their healthcare needs. If you want to replace your current policy or get a new one for you or for a family member, we can guide you through the process and enable you to choose the best one for your needs.

Choose the right policy from leading health insurance companies in Dubai

We understand that it can be difficult and time-consuming to look through a list of medical insurance companies in Dubai and find out more information about the health policies they are offering.

The good news is, at ANIB, we remove all these common complications by presenting you with an easily understandable, simplified yet comprehensive insurance solution, which gives you and your family the protection you need, particularly during unavoidable medical emergencies and sicknesses.

Our team will help you identify and tailor the most suitable policy based on your age, gender, lifestyle, family history, and other relevant factors. Our medical policies are flexible and can be adapted to fit your specific needs and budget. We will provide you with all the information you need, so you can make the right decision and choose the best policy for you and your family.

Ready to insure your health and your family? Our well-trained team of technical assistants is just a phone call away. And if you need an insurance claim, our team will assist you honestly and transparently, facilitating a quick and fair claims process.


TuTasa – Préstamos Personales y Créditos Consumo, P2PL, prestamos al consumo.

#Prestamos #al #consumo


Préstamos a 1 Clic .

TuTasa ofrece préstamos entre personas, sin bancos.

Beneficiando a los solicitantes con menores tasas de interés,

y a los inversores con mayores retornos.

Prestamos al consumo

Prestamos al consumo

Prestamos al consumo

¿CÓMO FUNCIONA?

Prestamos al consumo

Invierte en Personas.

Gana Buenos Retornos.

Define monto, plazo y retorno de inversión. TuTasa te empareja con tomadores de crédito calificados, gestionando los pagos y cobros. Fondo de Contingencia paga a inversores en caso de incumplimientos.

Prestamos al consumo

¿Tienes un Negocio?

Financia Tus Clientes.

Aumenta ventas financiando tus clientes con los créditos inmediatos de TuTasa. Te pagamos hasta en 15 días, sin comisiones.

5/5 estrellas de calificación , cientos de opiniones.

Es tu dinero. Sólo estamos satisfechos con la perfección. Consulta más opiniones de nuestros usuarios debajo.

Prestamos al consumo

Fabián (Solicitante): la verdad que TuTasa aparte de ser muy ágil me ayudó bastante. Gracias.

Prestamos al consumo

Nirvana (Solicitante): Tuve una experiencia maravillosa con TuTasa. Necesitaba plata y no tenía como conseguirla. Logré mi préstamo por whatsapp muy rápido. La verdad recomendable al 100%.

Prestamos al consumo

Esteban (Inversor): Estoy participando en TuTasa desde Noviembre. La experiencia ha sido fantástica. Creo que es una herramienta muy útil para conectar personas en beneficio común. Adelante.

¿Qué dicen nuestros usuarios?

Prestamos al consumo

Prestamos al consumo

¿Qué dicen nuestros usuarios?

Prestamos al consumo

Atención al cliente de primera clase

No solo tenemos sistemas automatizados. También tenemos un equipo amigable listo para ayudarte por teléfono, whatsapp, email o redes sociales.

Blog / Noticias

4 pasos pasos para eliminar las deudas del año pasado

Diferencias entre tasa fija y tasa variable en los préstamos hipotecarios

6 preguntas básicas antes de comprar y gastar

5 retos para lograr ahorrar si se lo ha propuesto este año

Préstamos entre personas, sin bancos

TuTasa conecta a inversores con solicitantes vía su página web, reduciendo costos operativos, beneficiando a los solicitantes con menores tasas de interés y a los inversores con mayores retornos para sus ahorros


Comparador de Préstamos Personales, préstamo dinero.

#Préstamo #dinero


Comparador de Préstamos Personales

Préstamo dinero

  • Compara entre distintos préstamos Personales
  • Encuentra el préstamo que se ajusta a tus necesidades
  • Contacta directamente con la entidad bancaria

Trabajamos con las principales entidades financieras

  • Préstamo dinero
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Una amplia variedad de Préstamos Personales

Rastreator compara entre distintos préstamos Personales atendiendo a la cantidad que necesitas y al importe que estás dispuesto a pagar al mes. Sólo tienes que rellenar un breve formulario para encontrar el préstamo que más se adapta a tus necesidades.

Toda la información que necesitas saber

Te ofrecemos información detallada sobre distintas entidades bancarias, sobre sus préstamos Personales disponibles y sobre las facilidades de pago que te ofrece cada una de ellas. Rastreator encontrará para ti los préstamos personales con un interés más bajo.


Preventivi Assicurazioni Online Economiche: Auto, Moto SCONTI 40%, assicurazioni online preventivi.

#Assicurazioni #online #preventivi


Preventivi Assicurazioni Online: Guida alle Polizze Online

Preventivi Assicurazioni è una finestra sul mondo delle assicurazioni online, una semplice guida per la valutazione di preventivi online: Gratuito, Facile, dal linguaggio semplice e Aggiornato. Grazie ad Internet, comparatori e alle principali compagnie assicurative confrontare e valutare con la massima comodità e trasparenza le diverse assicurazioni online si può fare in pochissimi click, con preventivi assicurazioni gratuiti. Il web è uno strumento sempre più utilizzato per effettuare comparazioni, per calcolare assicurazioni auto, effettuare il calcolo per lassicurazione moto o per vedere nel dettaglio le migliori polizze vita o per la propria barca: tutto comodamente dal proprio pc!

Oggi, anche grazie a questo sito puoi capire come richiedere preventivo assicurazioni anche online in massima sicurezza. Il panorama delle assicurazioni online è in continua evoluzione, ospita, oltre ai nomi più famosi delle grandi compagnie assicurative, anche aziende e nomi nuovi, in grado di garantire affidabilità e prezzi estremamente competitivi. Le compagnie assicurative stanno sviluppando offerte, polizze e piani assicurativi in grado di rispondere alle esigenze più diversificate dei consumatori: i preventivi online sono un ottima soluzione per valutare gratuitamente il reale risparmio offerto, sulla base delle proprie esigenze e capacità di spesa.

Preventivi Assicurazioni Online Economiche: i Vantaggi

Vediamo alcuni dei principali vantaggi garantiti, ad esempio, dai preventivi di assicurazioni auto online : in primis la comodità, dato che è possibile confrontare moltissime compagnie di assicurazioni direttamente dal proprio pc di casa, in modo totalmente gratuito e veloce. Grazie al web, infatti, è possibile ottenere a portata di click decine di preventivi assicurazione direttamente da casa: infatti è possibile richiedere un preventivo assicurazioni auto o preventivo assicurazioni moto a più compagnie in massima libertà, realizzare confronti e comparazioni prima di iniziare il processo di sottoscrizione.

Calcolare un preventivo per il camper o un preventivo assicurazione scooter tramite il web garantisce trasparenza tra le diverse soluzioni disponibili e le polizze sul mercato, consente di avere una panoramica su condizioni e tariffe organica.

Preventivo Assicurazione Online: Polizze Scontate

Grazie ai costi ridotti per la gestione di sevizi tramite il web, le compagnie sono in grado di offrire spesso prezzi più competitivi e inferiori rispetto a quelli in genere praticati nelle agenzie: è possibile cosi risparmiare sul preventivo del proprio furgone, richiedere più preventivi per la barca o un preventivo per auto depoca personalizzato.

Inoltre è importante ricordare che le compagnie di assicurazioni online non prevedono nelle soluzioni contrattuali la formula del tacito rinnovo: alla scadenza della polizza scade anche l’assicurazione. Il Rinnovo è pratico e veloce: nel caso però si decida di non continuare non è necessario inviare alcuna disdetta ma è fondamentale richiedere alla compagnia una copia dell’attestato di rischio, in modo da non perdere la proprio classe di bonus/malus.

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Avvocato Roma diritto del lavoro previdenza mobbing, lavoro avvocato.

#Lavoro #avvocato


Diritto

Diritto del Lavoro e della Previdenza Sociale

Negli ultimi anni si è verificato un progressivo proliferare di varie tipologie di contratti atipici o speciali che hanno, di fatto, sancito la precarizzazione del rapporto di lavoro, soprattutto per i lavoratori più giovani; spesso, però, sotto la veste formale dei contratti di lavoro parasubordinato o addirittura autonomo, si celano veri e propri contratti di lavoro subordinato, presentando i caratteri tipici di questultimo, vale a dire: losservanza di un orario di lavoro, lassenza del rischio dimpresa, la natura della prestazione, la sottoposizione al potere direttivo – disciplinare, la continuità della prestazione, la predeterminazione della retribuzione, linserzione del lavoratore nellorganizzazione produttiva.

Lo studio dellAvvocato Garofalo offre consulenza ed assistenza legale nelle questioni riguardanti le varie tipologie contrattuali attualmente vigenti, ivi comprese quelle introdotte dalla cosiddetta riforma Biagi&, vale a dire: il contratto dinserimento (già contratto di formazione e lavoro), di apprendistato, di lavoro a tempo parziale (o part-time), di somministrazione, di collaborazione a progetto (Co. Co. Pro.), di lavoro occasionale, di lavoro accessorio, di lavoro ripartito (detto anche job sharing), di lavoro intermittente o a chiamata (detto anche job on call), di lavoro dirigenziale, di lavoro societario, di lavoro nellimpresa familiare, di lavoro a domicilio, di lavoro marittimo ed aereo, di lavoro in agricoltura, di lavoro sportivo, di lavoro giornalistico, di lavoro nello spettacolo, di lavoro domestico.

Limpianto normativo dettato dalla predetta riforma Biagi& è stato modificato, a dire il vero, in senso notevolmente peggiorativo e disorganico.

Dapprima la cosiddetta riforma Fornero& ha inteso favorire linstaurazione di rapporti di lavoro più stabili, contrastando la reiterazione dei contratti a termine e delle altre tipologie di lavoro flessibile e labuso dei contratti di lavoro coordinato ed autonomo. Nel contempo detta riforma Fornero, nel tentativo di rendere maggiormente competitivo il mercato del lavoro, ha inciso sensibilmente sulla disciplina sanzionatoria dei licenziamenti individuali e collettivi, prevedendo inoltre lintroduzione di un procedimento giudiziario specifico per accelerare la definizione delle relative controversie, creando tuttavia grandissime difficoltà applicative.

Successivamente, il decreto legislativo 4 marzo 2015 n. 23 in attuazione della legge n. 183 del 2014 (cosiddetto Jobs Act) ha introdotto un nuovo contratto a tempo indeterminato a tutele crescenti che si applica ai lavoratori assunti con contratto a tempo indeterminato dopo lentrata in vigore del decreto (7 marzo 2015) e per i quali stabilisce una nuova disciplina dei licenziamenti individuali e collettivi (per i lavoratori assunti prima dellentrata in vigore del decreto restano valide le norme precedenti). In realtà, non è stata istituita nessuna nuova tipologia di contratto a tempo indeterminato, ma si prevede solamente un indennizzo in favore del lavoratore che cresce con laumentare dellanzianità retributiva.

Per i licenziamenti discriminatori e nulli intimati in forma orale resta la reintegrazione nel posto di lavoro così come previsto per tutti i lavoratori.

Per i licenziamenti disciplinari la reintegrazione resta solo per quella in cui sia accertata linsussistenza del fatto materiale contestato&.

Negli altri casi in cui si accerti che non ricorrano gli estremi del licenziamento per giusta causa o giustificato motivo, ovvero i cosiddetti licenziamenti ingiustificati&, viene introdotta una tutela risarcitoria certa, commisurata allanzianità di servizio e, quindi, sottratta alla discrezionalità del giudice.

La regola applicabile ai nuovi licenziamenti è quella del risarcimento in misura pari a due mensilità per ogni anno di anzianità di servizio, con un minimo di 4 ed un massimo di 24 mesi.

Per evitare di andare in giudizio si potrà fare ricorso alla nuova conciliazione facoltativa incentivata. In questo caso, il datore di lavoro offre una somma esente da imposizione fiscale e contributiva pari ad un mese per ogni anno di servizio, non inferiore a due e sino ad un massimo di diciotto mensilità. Con laccettazione il lavoratore rinuncia alla causa.

Per i licenziamenti collettivi il decreto stabilisce che, in caso di violazione delle procedure (art. 4, comma 12, legge 223/1991) o dei criteri di scelta (art. 5, comma 1), si applica sempre il regime dellindennizzo monetario che vale per gli individuali (da un minimo di 4 ad un massimo di 24 mensilità). In caso di licenziamento collettivo intimato senza losservanza della forma scritta la sanzione resta quella della reintegrazione, così come previsto per i licenziamenti individuali.

Per le piccole imprese la reintegra resta solo per i casi di licenziamenti nulli e discriminatori e intimati in forma orale. Negli altri casi di licenziamenti ingiustificati è prevista unindennità crescente di una mensilità per anno di servizio con un minimo di 2 e un massimo di 6 mensilità.

La nuova disciplina si applica anche ai sindacati ed ai partiti politici.

A seguito dellentrata in vigore del d.lgs. n. 81/2015, attuativo del Jobs Act, non possono essere più stipulati contratti di job sharing, di associazione in partecipazione e di collaborazione coordinata e continuativa a progetto.

Rimangono invece stipulabili, oltre ovviamente ai contratti a tempo indeterminato, quelli a tempo determinato, a chiamata, a tempo parziale, di somministrazione di lavoro, di apprendistato, di collaborazione coordinata e continuativa e accessori (con voucher).

Ad eccezione del contratto a chiamata, che rimane pressoché invariato, tutte le altre tipologie contrattuali hanno, tuttavia, subito delle modifiche che ne hanno reso sensibilmente diversa la disciplina.

Inoltre, lo studio si occupa delle problematiche inerenti al rapporto di pubblico impiego, così come disciplinato successivamente alla cosiddetta privatizzazione del pubblico impiego.

Lattività professionale dello studio ha approfondito le tematiche processuali più delicate del Diritto del Lavoro come il demansionamento, il mobbing, gli infortuni sul lavoro e le malattie professionali, limpugnazione dei licenziamenti privi di giusta causa o di giustificato motivo, la tutela dei lavoratori disabili, il recupero dei crediti retributivi, anche attraverso lammissione al passivo fallimentare della società datrice di lavoro, il risarcimento del danno derivante da omissione contributiva del datore di lavoro, i congedi parentali.

Nellambito del Diritto della Previdenza Sociale, invece, lo studio si occupa dei procedimenti per lottenimento degli assegni e delle pensioni dinvalidità, di inabilità e dellindennità di accompagnamento, dellassegno sociale, dellassegno per il nucleo familiare; in generale, lo studio tutela i diritti dei pensionati siano essi ex dipendenti del pubblico impiego e delle aziende private, ovvero ex lavoratori autonomi verificando, anche con la collaborazione del Consulente del Lavoro, che non vi siano illegittime decurtazioni degli importi delle pensioni dirette, indirette e di reversibilità spettanti allavente diritto, con limpugnazione delle azioni di recupero dellindebito percepito in buona fede dal pensionato.


Finanziamenti e Prestiti Personali – CB Finanziamenti, tassi finanziamenti personali.

#Tassi #finanziamenti #personali


VANTAGGI

TASSO FISSO

Per tutta la durata del finanziamento: nessuna brutta sorpresa negli anni!

PREVENTIVO A DOMICILIO

Non puoi muoverti da casa? Veniamo noi!

ESTINGUIBILE QUANDO VUOI

Potrai beneficiare dello scorporo degli interessi non ancora maturati

ANCHE A CATTIVI PAGATORI

Prestiti anche a cattivi pagatori, protestati, pignorati

FINANZIAMENTI E PRESTITI PERSONALI

DIPENDENTI PUBBLICI STATALI

COOPERATIVE LAVORATORI

DIPENDENTI SPA E SRL

CARABINIERI, POLIZIOTTI, FINANZIERI

DIPENDENTI POSTE

PENSIONATI

INSEGNANTI

PERSONALE ATA

TROVA LA FORMULA ADATTA A TE

RATEIZZAZIONE SENZA PENSIERI

Perché scegliere noi?

ACQUISTARE UNA NUOVA AUTO? PAGARE LE RATE UNIVERSITARIE DI TUO FIGLIO? CAMBIARE CASA? È SEMPRE PIÙ DIFFICILE DISPORRE DI RISORSE ECONOMICHE PER FAR FRONTE ALLE NECESSITÀ DELLA VITA NEL MOMENTO IN CUI CI SI PRESENTANO.

CB Finanziamenti è agente in attività finanziaria specializzato in finanziamenti e prestiti personali. Tramite il modulo di contatto è possibile fare richiesta online per dei preventivi e ricevere un’offerta per prestiti personali ai migliori tassi di interesse agevolati ed erogati in tempi veloci a varie categorie come dipendenti pubblici o pensionati. La somma erogata può essere variabile a seconda che si tratti di piccoli prestiti personali o meno e può essere di diverse modalità, come nel caso dei prestiti personali con garante o per consolidamento debiti.

TRAMITE L’ENTE EROGANTE EROGHIAMO PRESTITI FINO A € 50.000 IN FIRMA SINGOLA E IN TEMPI BREVISSIMI, ANCHE A CATTIVI PAGATORI, SENZA NECESSITÀ DI MOTIVARE LA RICHIESTA.

VALUTIAMO OGNI RICHIESTA IN 24 ORE E FORMULIAMO PREVENTIVI GRATUITI PERSONALIZZATI, CHE POSSIAMO PRESENTARE ANCHE CON CONSULENZE A DOMICILIO.

SEDE OPERATIVA : VIA VASARI 10 – 37138 VERONA

Agente in attività finanziaria Monomandataria per conto di Vivibanca spa – iscrizione OAM n. A9545

© Copyright 2018 – Tutti i diritti sono riservati

Messaggio pubblicitario con finalità promozionale.

Per le condizioni economiche e le principali clausole contrattuali richiedere il documento “Informazioni europee di base sul credito ai consumatori” ottenibile presso la sede di Verona – Via Vasari, 10


Promi-Kettcar-Weltmeisterschaft am auf RTL Nitro, rtl spenden.

#Rtl #spenden


Vormerken: Promi-Kettcar-Weltmeisterschaft

  • Rtl spenden

Brandneu sind die Meldungen auf der KETTLER Facebook Seite und bei RTL. Es gibt heuer eine Promi-Kettcar-Weltmeisterschaft. Und noch eine tolle Nachricht! Erst gestern hat Joey Kelly sein KETTCAR für den RTL Wir helfen Kindern Spendenmarathon bei KETTLER direkt ab Werk abgeholt. Er will damit zeigen, dass KETTCAR fahren jede Menge Spaß macht und zwar in jedem Alter. Und damit er das so richtig zeigen kann, fährt er tatsächlich 24 Stunden für den guten Zweck. Jetzt beginnt schon das Training und wir von Gokart Profi finden ebenfalls: eine tolle Sache und drücken die Daumen für den guten Zweck!

RTL NITRO sendet am 22. November erstmals die „Promi-KETTCAR-Weltmeisterschaft“

Rtl spenden

Joey Kelly holt sein Kettcar vom KETTLER Werk!

Auch diese tolle Aktion geht zu Gunsten von „RTL – Wir helfen Kindern“. Die Promi-KETTCAR-Weltmeisterschaft ist eine Premiere und wird passenderweise am Vorabend des 22. RTL-Spendenmarathons ausgestrahlt. Bei dem mehrstündigen Live-Sportevent mit viel Gokart Action Spaß, moderiert von Laura Wontorra und Nils Bomhoff, werden Prominente auf einem Parcours auf einer Fläche der RTL-Sendezentrale in Köln-Deutz gegeneinander in die Pedale treten.

Toll finden wir: für den Wettkampf hat die Firma KETTLER extra spezielle KETTCARS für Erwachsene (gibt es leider noch nicht im regulären Verkauf) entwickelt. Diese KETTCARS und die Strecke werden auch einen Tag später, im Rahmen des RTL-Spendenmarathon, nochmal für den guten Zweck zum Einsatz kommen. Denn dann kommt Joey Kelly zum Einsatz und stellt sich seiner nächsten sportlichen Herausforderung.

24h-KETTCAR-Challenge für den guten Zweck

Rtl spenden

Leider noch nicht im Handel: das XL Kettcar!

Neben bzw. direkt nach der Promi-KETTCAR-Weltmeisterschaft steigt Joey Kelly wieder auf sein Kettcar und startet zugleich einen weiteren Weltrekord Versuch. Gemeinsam mit zahlreichen Firmenteams will der Ausdauersportler 24 Stunden den RTL Parcours befahren und damit den Weltrekord für die „weiteste KETTCAR-Team-Distanz in 24 Stunden“ holen.

Während sich die Teammitglieder abwechseln können, muss Joey Kelly versuchen sein KETTCAR alleine ohne Pause zu fahren. Dieser Weltrekordversuch wird vom Rekord-Institut für Deutschland vor Ort geprüft und zertifiziert. Alles wird im Erfolgsfall (und davon gehen wir aus) mit der Überreichung einer Rekordurkunde bestätigt. Und schon jetzt hat der sympathische Sportler direkt bei KETTLER im Werk vorbeigeschaut und sein eigens konstruiertes KETTCAR in Empfang genommen. Denn Training ist alles und Joey Kelly lässt es bestimmt nicht nur auf den Versuch ankommen er will den Weltrekord in Sachen Kettcar fahren in Empfang nehmen!

Promi-Kettcar-Weltmeisterschaft – hier wird richtig „Gas“ gegeben

Rtl spenden

Laura Wontorra moderiert den Spaß für den guten Zweck!

Wobei mit Gas geben sieht es bei einem Tretauto nicht so toll aus. Hier muss in die Pedale gestrampelt werden, was das Zeug hält. Unsere Kinder auf der Kettcar Teststrecke wissen was das bedeutet: viel Spaß und Action – aber auch jede Menge zusätzliche Bewegung, die schon schlauchen kann! Das mehrstündige Live-Event findet am Mittwoch, den 22. November, also einen Tag vor dem 22. RTL-Spendenmarathon statt, und wird präsentiert von Sportmoderatorin Laura Wontorra und Nils Bomhoff. Mehrere Prominente werden auf einem Parcours im Gebäude der RTL-Sendezentrale in Köln gegeneinander in die Pedale treten.

Welche Promis sind dabei bei der Promi-Kettcar-Weltmeisterschaft?

Rtl spenden

Wird er wohl dabei sein?

Wer genau dann in die Pedale strampelt, steht zum aktuellen Zeitpunkt noch nicht fest. Noch ist fast ein halbes Jahr hin bis zur Show rund um die Promi-Kettcar-Weltmeisterschaft. Aber Spaß wird diese auf jeden Fall machen und zwar für die Kettcar-Rennfahrer und für die Zuschauer. Ein Muss für alle „Kettcar Fans“ und beim Spenden-Marathon gibt es auch viele Gelegenheiten Gutes für Kinder zu tun. Eine tolle Sache!

Mehr Infos auch unter http://wirhelfenkindern.rtl.de/cms/rtl-spendenmarathon-2017-promi-kettcar-wm-live-bei-rtl-nitro-und-ein-neuer-weltrekordversuch-fuer-joey-kelly-4115234.html

Weitere Fotos und Infos unter https://www.facebook.com/kettler.net/?fref=ts

Joey #Kelly und ein neuer Weltrekordversuch beim nächsten RTL Spendenmarathon im November 2017: Die große 24h-KETTCAR Challenge. Ob es wieder klappt? Bei #RTL #Nitro wird es am Vorabend ein KETTCAR-PROMI-RENNEN geben. Mal sehen, wer sich traut


Monroe Accident Lawyers, Monroe Personal Injury Attorneys, Auto, Car Wrecks

#car #injury #attorneys


#

Campbell, House, Cummins Attorneys at Law
Personal Injury Attorneys and Accident Lawyers in Monroe, Louisiana

According to the Centers for Disease Control. car accident deaths cost the citizens of Louisiana approximately $1.01 Billion in just one year alone. These figures don t account for the many more victims who suffer serious injuries every year. Personal injuries can result in high medical expenses, lost wages due to missed days at work, and pain and suffering damages. If you ve been hurt due to another person or company s negligence, you have important rights under Louisiana law. The Monroe, Louisiana accident lawyers at Campbell, House, Cummins work closely with victims and their families to help them get the recoveries they deserve under the law.

Campbell, House, Cummins has a team of qualified personal injury lawyers with experience in a wide range of legal areas and the skill and the legal knowledge to help you fight for your rights. Our attorneys will stand beside you every step of the way to help you get the results you deserve.

You may only have a limited amount of time to pursue a personal injury claim under Louisiana s statute of limitations. The sooner you contact our personal injury lawyers to review your case, the sooner our lawyers can start fighting for your rights. Contact Campbell, House, Cummins today to protect your rights. Helping People – It s What We Do!

Injured in a Car Accident in Monroe, Louisiana?

Car accident victims face a range of practical and legal challenges. Without an experienced personal injury attorney, you and your loved ones may have to work with insurance adjusters in order to get the recovery from insurance you believe you deserve. Yet, insurance companies and adjusters may not always want to cover all medical expenses, lost wages, and pain and suffering damages. This is why it helps to seek the advice of a car accident lawyer who can help you navigate the legal challenges that arise following your accident.

The Monroe, Louisiana auto accident attorneys at Campbell, House, Cummins work closely with crash victims to help them get the compensation they deserve. We will review your insurance policy to help you understand what protections you are entitled to receive and we will negotiate with adjusters who may otherwise offer you settlements that are too low. We will also review the circumstances of your accident to determine if there are negligent parties involved who may owe you compensation under the law. We will look at your medical expenses and other losses to determine a fair value for your claim.

Victims of car accidents are entitled to receive compensation for their losses. However, having the right lawyer fighting for your rights when you have been seriously injured is imperative to getting the compensation you deserve. The Louisiana auto accident lawyers at Campbell, House, Cummins are on your side. Helping People – It s What We Do!

Seek Justice Today if You ve Been Personally Injured

The days and weeks following a serious accident are crucial when it comes to recovery and when it comes to taking legal action. The statements you make to insurers can have a serious impact on your case. The steps you take against negligent parties can determine whether you ll receive a recovery or not. If you ve been hurt in a car crash or other accident in Monroe, Louisiana or in North Louisiana it is important that you first seek proper medical care. Once you have ensured your safety and health, then you may want to speak to a personal injury lawyer to understand your legal options. The experienced personal injury attorneys at Campbell, House, Cummins are compassionate and caring accident lawyers who will fight to protect your rights. Don t suffer in silence. You are not alone. Contact us today. Helping People – It s What We Do!

TESTIMONIALS

“I worked with them and they will get the job done! One of many good things I can say is they talk to their clients, some Attorney’s offices you call and get [voicemail] or a secretary ALL the time; It makes a difference when you can talk to your lawyer directly.”

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Drug and Alcohol Rehab In Massachusetts – Swift River Treatment Center

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Reach New Heights in Recovery

At Swift River Rehab, your recovery from addiction is ignited by the thrill of wilderness therapy, cbt, dual diagnosis treatment, and individualized counseling, set against the soaring beauty of the Berkshire Mountains in Massachusetts. Our unique blend of outdoor adventure and research-proven addiction treatment – in a safe, medically supervised setting – can help you conquer your fears. At Swift River Rehab, you’ll be supported by compassionate clinicians as you learn effective, lifelong skills to grow your recovery and reach your highest potential.

People recover every day. You can, too.

Millions of Americans are living in long-term recovery from drug and alcohol addiction. Many have known decades of despair and anguish, but found healing with the right treatment and an intense desire for recovery. Our mission at Swift River extends beyond helping you achieve sobriety. Every therapeutic intervention we deliver – from exciting wilderness challenges to evidence-based psychotherapy – is designed to empower your sense of purpose and a joyous life in recovery.

The Swift River Difference:

  • Customized plan of care based on your unique struggles and health needs. Individualized counseling
  • Medication-assisted treatment for opioid addiction. Suboxone and Buprenorphine treatment
  • Safe, physician-directed detox
  • Licensed, master’s-level therapists and multi-disciplinary recovery care team
  • Exceptional Adventure Therapy Program (at your own pace)
  • Research-tested Cognitive Behavior Therapy and Dialectical Behavior Therapy
  • Effective treatment for mood and mental health disorders that co-occur with addiction
  • Amenities including a world-class library. year-round outdoor recreation. music hall, fitness center, gymnasium. conference hall and more
  • Lifelong recovery support and alumni program
  • Restorative setting on 500 mountain acres along the Swift River

Start your life today

Our Amenities


Aspect phone system

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aspect phone system

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Health Effects of Cell Phone Radiation will offer a concentrated and up-to-date overview on the effects of radio frequencies on human tissue. While significant advances are being made on many fronts, ranging in frequency from quasi-static to the optical regime, a special emphasis of this volume is on current understanding of biological interactions of cellular mobile communication radiation. The use of cell-phones has experienced phenomenal growth – some estimate that there will be more than 3.5 billion users of these wireless devices by the end of 2010, worldwide.The widespread impact of these new wireless technologies has raised concerns about the safety of human exposure to radio-frequency (RF) energy emitted by these telecommunication devices. A better understanding of the biological effects of RF electromagnetic field is needed to safeguard against possible harm to the general population. Fortunately in recent years there has been a resurgence of research interest in achieving a quantitative understanding of the relationships between the biological effects of RF radiation and the physical variables that may cause them. A significant number of results have and are beginning to appear in the literature. This volume reviews and assesses the biological effects of exposure to electromagnetic fields from wireless communication technology.

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#

News Overview

The Communications and Press Relations Branch oversees all media relations for the California Department of Insurance and keeps the public informed of the latest news from the Department. Media representatives interested in information about CDI or obtaining interviews should call 916-492-3566. Media-only inquiries after business hours should call Nancy Kincaid at 916-599-1320.

Communications Press Relations Branch
California Department of Insurance
300 Capitol Mall, Suite 1700
Sacramento, CA 95814
916-492-3566
916-445-5276 FAX

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Press Releases

The Department periodically releases statements and other information to the media. This section catalogs what has been released.

Bulletins

The California Department of Insurance periodically releases bulletins as a helpful resource to the public.

Studies, Reports Publications

The California Department of Insurance periodically releases various studies and reports helpful to consumers and industry.

Google™ Translation Disclaimer

This Google™ translation feature is provided for informational purposes only.

The Department of Insurance is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information resulting from the translation application tool.

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Las hipotecas que ya aplican el eurнbor en negativo reducen los intereses al mнnimo, calcular hipoteca euribor.

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Finanzas.com

Petrуleo Brent Petrуleo Brent

Las hipotecas que ya aplican el eurнbor en negativo reducen los intereses al mнnimo

Noticias relacionadas:

La banca comienza a aplicar ya el eurнbor en negativo a las hipotecas que toca revisar. Los clientes de BBVA y Kutxabank ya han recibido las comunicaciones que les informa que a partir marzo, el interйs aplicado serб diferencial menos eurнbor, lo que supondrб una nueva rebaja en la mensualidad. Aunque como recuerdan los expertos, al tratarse de niveles tan bajos no se notarб tanto y supondrб poco mбs de 100 euros al aсo.

Sin embargo, no todo son albricias para los hipotecados. Como seсala Estefanнa Gonzбlez, protavoz de finanzas personales de Kelisto.es, sн tieneen constancia en de la aplicaciуn de clбusulas “cero”, por ejemplo, en el Santander. Es decir, “lo que quieren evitar los bancos es que el interйs final sea negativo y que, por tanto, tengan que devolver dinero al consumidor o, mбs bien, reducir el principal. Para ello, lo que estбn introduciendo en las nuevas hipotecas que se estбn comercializando son clбusulas en las que se dice que, en ningъn caso, se aplicarнa un interйs por debajo de cero. Es decir, que si la suma de eurнbor mбs diferencial fuera, por ejemplo, del -0,45%, eso no tendrнa efecto”, destaca Gonzбlez.

Segъn ha podido averiguar HelpMyCash.com, algunas entidades incluyen en la escritura de la hipoteca, que en un escenario con eurнbor igual a cero o incluso negativo, el banco (en el momento de la revisiуn) puede cambiar el нndice de referencia y establecer IRPH mбs el diferencial actual. Una situaciуn muy perjudicial para los hipotecados, porque el importe de las cuotas crecerб exponencialmente.

La llegada del eurнbor en negativo y su aplicaciуn a las hipotecas supondrб a los hipotecados un ahorro del 2,74% con respecto al aсo anterior. Asн, segъn datos del INE el interйs de su prйstamo habrбn visto cуmo, de media, su mensualidad pasa de 503,82 euros a 490,4 euros: 161,04 euros al aсo.

Pero especialmente la ventaja de un eurнbor en mнnimos se da sobre la propia hipoteca. El sistema hipotecario espaсol se basa en el modelo francйs, en que se paga una parte de capital y otra de intereses, siendo al principio de la vida hipotecaria dуnde mбs intereses se paga y al final dуnde mбs capital se amortiza. Sin embargo, con un interйs en mнnimos esto hace que independientemente de la vida que tenga la hipoteca se paguen menos intereses que nunca, lo cuбl supone un ahorro importante para el hipotecado y un lastre para la cuenta de resultados del banco.

Para aprovechar al mбximo esta situaciуn, Gonzбlez aconseja que “las personas que ya tuvieran una hipoteca poco pueden hacer, mбs que esperar a que se produzca la revisiуn y disfrutar de la rebaja en su cuota”.

En HelMyCash indican que de cerrar el mes en un valor prуximo al -0,013 %, los hipotecados con revisiуn anual y semestral en el mes de abril verнan como se les abaratarнan sus cuotas:

Por ejemplo, una hipoteca media con un capital pendiente de 100.000 € con un plazo de 25 aсos y un interйs de eurнbor + 1 %, si tuviera revisiуn anual en abril con el eurнbor al -0,013 % pasarнa de tener una cuota de 386 € a una de 376 €. Esta rebaja del interйs generarб a los hipotecados un ahorro mensual de 10 € y un ahorro anual de 120 €.

Para el mismo ejemplo, pero tratбndose de una revisiуn en abril con periodicidad semestral, los hipotecados pasarнan de costear una cuota de 383 € a una de 376 €, generando un ahorro de 7 € al mes y de 84 € al aсo.

Sin embargo, quienes deben estar mбs atentos a esta situaciуn son los que contraten ahora un prйstamo hipotecario. En un contexto de eurнbor en mнnimos como el actual, el consumidor puede confiarse y pensar que puede acceder a una hipoteca porque la cuota que tiene que pagar es fбcilmente asumible en su economнa familiar. Sin embargo, no hay que olvidar que esta situaciуn no serб eterna: pese a que en el medio plazo no vamos a ver grandes subidas en el нndice de referencia, no podemos olvidar que, de media, las hipotecas contratadas en Espaсa se firman a 21 aсos. Y en un plazo tan largo, todo puede pasar: incluso, que el eurнbor vuelva a mбximos. Por tanto, es esencial que el consumidor haga simulaciones y estime si, realmente, podrнa seguir asumiendo la cuota de su hipoteca si el eurнbor volviera a subir, no solo a mбximos, sino tambiйn a niveles del 1% o el 3%.

Lo cierto es que parece que el eurнbor en negativo ha llegado para quedarse, por lo menos, hasta mediados de aсo. “Sн es posible que el eurнbor permanezca en el terreno negativo. Mбs allб de ese plazo, habrб que ver quй pasa en funciуn de varios factores como: las decisiones que siga tomando el BCE, el impacto del nuevo eurнbor (que comenzarб a funcionar en fase de pruebas) y la evoluciуn de la economнa europea”.

Como constatan en HelpMyCash.com, los bancos espaсoles apuestan por las hipotecas fijas: que los bancos apuesten por hipotecas a interйs fijo por debajo del 3 % a 20 aсos, hace pensar que sus previsiones apuntan a que por lo menos durante este tiempo, el eurнbor no alcanzarб esta cifra.

Los expertos auguran un 2016 en negativo: es la previsiуn para todo el aсo, sobre todo hasta la primera mitad, ya que a partir de julio se espera la entrada en vigor del eurнbor plus y no sabemos cuбl podrб ser su incidencia. Una de las previsiones mбs negativas la ha realizado el Consejero Delegado del Sabadell, Jaume Guardiola, ya que segъn su criterio el нndice seguirб en negativo hasta 2018.


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2200 Opitz Boulevard, Suite 235 • Woodbridge, Virginia 22191

2200 Opitz Boulevard,

Woodbridge, Virginia 22191

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HealthCare Support Portal facilitates better communication with your physician’s office by providing convenient access for non-urgent matters from the comfort and privacy of your own home or office. Click on the image to access your records.

Thank you for visiting our Staff page. Our doctors and staff are committed to offering the most comprehensive care in the area of family practice and internal medicine. Our doctors and staff are committed to offering the most comprehensive care in the area of family practice and internal medicine. Our office provides a wide range of diagnostic procedures, immunizations, and primary care. We place an emphasis on preventative medicine and take an active role in maintaining your good health. Our physicians serve primary care patients from Woodbridge, VA and the surrounding communities of South Ridge, Lake Ridge, West Ridge, Occoquan, Dale City, Triangle, Dumfries, Lorton, Manassas, Montclair, Belmont Bay, and all of Eastern Prince William County.

Fardin Akrami, MDAmerican Board of Internal Medicine Internal design

Dr. Akrami is a Board Certified Internist with close to 20 years of experience in the medical field. He attended Tehran University of Medical Science and graduated in 1991. After he and his family moved to the United States, Dr. Akrami did two years research at John Hopkins University Hospital. Dr. Akrami did his internal medicine residency at William Beaumont from 2002 to 2005. He is affiliated with major hospitals in Northern Virginia including Alexandria, Fairfax, and Sentara Northern Virginia Medical Center, formerly Potomac Hospital. His focus is on quality of care with high technology preventive medicine.

Dr. Akrami evaluates and treats patients 16 years of age and older. His particular areas of interest are managing complex health problems, and conditions such as Diabetes and Hypertension.

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Dr. Fartash is a Board Certified family physician with close to 15 years of experience in the medical field. She attended Iran University of Medical Science & Health Services and graduated in 1995. After she and her family moved to the United States, Dr. Fartash decided to continue her education and become a family physician. She completed her internship and residency at Howard University Hospital from 2005 – 2008. Her training and experience in all areas of Family Medicine will allow her to diagnose, treat, and monitor acute and chronic health problems. Dr. Fartash gives her patients the best quality of care and her particular area of interest is womens health, chronic conditions such as diabetes, hypertension, and hypercholesterolemia. Her goal is preventive medicine and high quality patient education.

Our physicians serve patients from Woodbridge, VA and the surrounding Virginia communities of South Ridge, Lake Ridge, West Ridge, Occoquan, Dale City, Triangle, Dumfries, Lorton, Manassas, Springfield, Alexandria, Montclair, and Belmont Bay. Our goal is to create a relaxing, comfortable office with the latest technologies to assist us with providing the highest health services to the Woodbridge Virginia community.


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Quotazioni di Borsa

Quotazioni mercati finanziari:

Quotazioni azioni USA

Trading On Line:

Titoli quotati in Borsa

Nella Borsa Italiana di Milano, non vengono quotate soltanto le azioni, ma tutti gli strumenti finanziari. In effetti in questi ultimi decenni c’ ГЁ stata una evoluzione dei mercati finanziari con l’ ingresso dei WARRANT, delle OBBLIGAZIONI, dei FONDI COMUNI, dei FUTURES , delle OPZIONI, dei BOT, CTZ, CCT, BTP.

Azioni quotate nella Borsa Italiana

Le azioni altro non sono che il principale strumento con cui un investitore partecipa alla societГ dividendo rischi e pericoli con altri investitori; contrariamente all’ obbligazionista, l’ azionista, invece, partecipa alla vita e alle decisioni della societГ . In Italia, soltanto le societГ per azioni (S.P.A.), quelle per accomandita per azioni (S.A.P.A.) e le societГ a responsabilitГ limitata (S.R.L.) possono emettere azioni. Quest’ ultime vengono trattate nel MTA (mercato telematico azionario) o nel caso di societГ minori ma con potenziale elevato di sviluppo, nel Nuovo Mercato.

Quotazioni azioni

*Si chiama quotazione la determinazione della quota, cioГЁ il prezzo attribuito per effetto della contrattazione di titoli (azioni,derivati) commerciabili e trattati presso le Borse Valori. Si parla di quotazione alta per valori che hanno prezzo elevato rispetto al loro reddito; bassa nel caso opposto.

Le quotazioni giornaliere dei valori nelle borse, formate dalla media dei prezzi praticati nelle riunioni, sono riportate nel listino ufficiale, redatto a cura dal comitato direttivo di ciascuna borsa.

Quotazioni di Borsa

*Si distinguono le seguenti quotazioni in Borsa:

  1. quotazioni tel quell : (per le azioni di societГ commerciali e industriali, titoli del debito pubblico consolidato, obbligazioni ferroviarie, nel cui prezzo ГЁ compreso il rateo d’ interessi o di dividendo maturato);
  2. quotazioni a secco o piГ№ interessi nel caso,<<ex. cedola>> : quando il prezzo del titolo ГЁ indicato senza le cedole, staccato in seguito a maturazione degli interessi che rappresenta.

Altra distinzione nella quotazione si fa per le:

Rischio nell’investimento

In ogni investimento che si effettua si ritrovano la propensione al rischio e la vena speculativa. La prima condiziona molto spesso le decisioni dei risparmiatori. A determinare il grado ГЁ la durata del titolo che ci si accinge ad acquistare: piГ№ ГЁ lontana la data del rimborso finale, superiore ГЁ il rendimento che ne otterrГ ; tutto questo grazie al mutare delle condizioni di mercato e dell’ andamento dei tassi che si rifletterГ sui prezzi: quanto piГ№ la scadenza sarГ lontana, tanto piГ№ il prezzo oscillerГ . Quindi chi emette titoli dovrГ pagare somme maggiori a chi ne acquista con lunga scadenza; si agevola di conseguenza, chi si assume piГ№ rischi, incentivando gli investitori.


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Massachusetts Car Insurance

Compare rates from 13 car insurance companies in Massachusetts.

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Here’s what you need to know when driving in Massachusetts

Across the Bay State, there are 76,200 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Massachusetts

In Massachusetts, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $5,000 per accident
Uninsured Motorist
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
Personal Injury Protection
  • $8,000 per person
Optional coverage in Massachusetts (varies by carrier):
  • Comprehensive
  • Collision
  • Limited Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Underinsured Motorist Bodily Injury
  • Optional Bodily Injury (OBI)

Liability coverage on a Massachusetts policy only provides coverage for injuries that you cause to another driver or their passengers within the state. Should you be driving outside of the state, adding Optional Bodily Injury to Others (OBI) coverage will financially protect you in the event that you are “at fault” in an accident outside of Massachusetts. This would also extend coverage to any passengers in your vehicle.

The coverage limits are determined by each individual state and normally split into three categories. In Massachusetts, the minimum is listed as 20/40/5 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in Massachusetts and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Massachusetts, the minimum is listed as 20/40 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Massachusetts, the minimum PIP coverage limit is $8,000 per person.

Massachusetts is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

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Welcome to Best Online Universities, LLC! We develop top quality higher education websites to help students accomplish their career and education goals. Our sites contain a robust catalog of over 1,000 accredited online degree programs offered by both non-profit and for-profit institutions.

To learn more, you can click on each section below to jump to helpful information and resources about online colleges and universities. You can also visit our blog. which covers these relevant topics and more.

  • What are the Best Online Universities? Utilizing our user selection data, we display some of the most popular online colleges which you can contact for more information.
  • How Do Online Universities Work? Unsure about distance learning in general? Find out how it all works.
  • Is Online Learning Right for You? Additional Resources to Help You Decide Other great resources covering topics such as accreditation, transferring credits, and more.

What are the Best Online Universities?

While there is no definitive list of the best online universities, a number of factors contribute to a school s reputation, including faculty, accreditation, and career and students services. Below you ll find some of the more popular online universities according to our user selection data that meet high academic standards and offer students quality educational programs.

Kaplan University – Kaplan University is one of the largest accredited online colleges, with degree programs available in a wide range of subject fields. Kaplan University is committed to general education, a student-centered service and support approach, and applied scholarship in a practical environment.

Liberty University – Liberty University now represents the world s largest evangelical Christian university both on campus and online. Earn an accelerated, accredited degree online through an efficient and flexible format that helps students achieve their academic and professional goals.

American InterContinental University – AIU Online is the Web-based virtual campus of American InterContinental University. AIU understands that personal and professional responsibilities can make finding time to study a real challenge, so the degree programs provide students with the option to select between our full-time and part time schedules. AIU offers an innovative approach to education at its campuses in Atlanta, South Florida, Houston and London, as well as the Virtual Campus of AIU Online.

St Leo University – St Leo University recognizes how important it is for students to balance the many responsibilities of their busy lives. Founded in 1889, Saint Leo University offers one of the largest online undergraduate degree programs in the US. When you enroll at St Leo, you join more than 60,000 students from around the world who attend classes at one of 92 convenient campus locations or take classes online.

Northcentral University – Northcentral University offers online master s and doctoral degree programs in accounting, business, computer technology, healthcare administration, criminal justice and general studies. The programs provide the flexibility and convenience of online learning while offering unparalleled mentoring and student support. For students interested in pursuing a graduate degree, NCU provides streamlined admission and education in the US.

If you want to know more about any topic related to online education, it s always a great idea learn from an expert. Below are some of the questions we asked Dr. Marina V. Kostina, which we hope will provide further insight and help you find the best online college to fit your needs.

Online Education Expert Dr. Marina V. Kostina
Answers Your Most Pressing Questions

  • What should online institutions be doing to secure their reputation in the space of higher education? Read More
  • What qualities make someone a good candidate for online education? Read More
  • What are the benefits of online education compared to traditional learning models? Read More
  • Are there any disadvantages of online education, and can they be overcome? Read More
  • How will online education evolve in the next 10 years? Read More
  • How will federal or state regulation and legislation impact online education in the coming years? Read More
  • What challenges do educators face in an online learning environment and what is being done to overcome those challenges? Read More
  • How are traditional universities incorporating online education into their curriculum? Read More
  • Over the past 5 years, what are the most notable online learning developments? Read More

How Do Online Classes Work?

An online school is a merger of the Internet and the post-secondary classroom. Technology has made it possible for students to take tests, debate with their fellow students, and follow-up with instructors from their home computer. The difference between online colleges and their traditional counterparts lies in the format — Internet-delivery versus face-to-face instruction.

The chart below provides a useful comparison of online and traditional learning to help you decide if taking online classes is the right choice for you:


Public School Teacher Salaries in Pittsburgh, PA by education, experience, Location and more

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Public School Teacher Salaries in Pittsburgh, Pennsylvania

Alternate Job Titles: Public School Teacher, School Teacher

  • What is the average Public School Teacher salary for Pittsburgh, PA?

    How much does a Public School Teacher in Pittsburgh. PA make? The median annual Public School Teacher salary in Pittsburgh. PA is $52,735. as of April 27, 2017, with a range usually between $46,037 – $60,885 not including bonus and benefit information and other factors that impact base pay. However, the salary for someone with the title Public School Teacher may vary depending on a number of factors including industry, company size, location, years of experience and level of education. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Public School Teacher in Pittsburgh. PA.

    This chart describes the expected percentage of people who perform the job of Public School Teacher in the United States that make less than that annual salary. For example the median expected annual pay for a typical Public School Teacher in the United States is $52,735 so 50% of the people who perform the job of Public School Teacher in the United States are expected to make less than $52,735.

    Source: HR Reported data as of April 27, 2017


NHC Rehabilitation

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Posted 06/08/2016
National HealthCare Corporation has opened, NHC Place at The Trace, a new assisted living and skilled nursing center in the Bellevue area of Nashville that expands its services in Davidson County. The center includes an assisted living center, memory care and a
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Posted 03/31/2016
In a special issue of Advance Healthcare Network magazine, our Geriatric Residency Program was highlighted. Focus on Education is a guide to career development through education that focus on what employers look for. Linda Bloodworth, PT, GCS, Program Director
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South College Doctor of Physical Therapy Career Fair

What people have to say about
NHC Rehabilitation

NHC values character in its employees, and provides a setting where we can grow and challenge each other in those areas. – Cindy

I feel that by working together as a team with. other staff, we are able to provide our patients with the highest level of care and allow them to achieve their best potential. – Sherri

What I enjoy most is being a part of a collaboration of each department to develop an individualized plan for every resident. – Dr. Alyson F.

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Term Life Insurance Defined

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Term Life Insurance provides the most coverage for the lowest initial cost. The coverage is so great because the benefit is paid only if the insured dies within the designated term of the policy.

Term Life Insurance plays a vital role in proper financial planning. The most common reasons to buy Term are as follows:

  • You have a temporary need which lends itself to a temporary solution, i.e. raising children, education, paying off a mortgage, a business buy/sell agreement.
  • You have a permanent need for protection (such as liquidity for the purpose of paying estate taxes), but since term is initially less expensive, it fits better into your current budget. You might want to purchase a term policy with the intention of converting to permanent protection later.

The most common form of Term Life Insurance today is “Guaranteed Level.” With Level Term Insurance, your protection and premiums remain constant throughout the term period. After your selected term expires, your premiums will sky rocket immensely if you keep your coverage. For planning purposes, you should not intend to keep your Term policy after term period.

Most Term periods are for 5-10-15-20 or 30-years; however, recently 5 year term policies have become virtually extinct. A newer term option offered by a few insurers is to dial down your term period to the exact time period you need such as 28 years.

Term Life premiums have gone down a lot since the early 70’s when coverage for a 35 year old was over $4 per 1,000 while today that same coverage can be bought for just $.33 per 1,000 assuming a 10 year $500,000. Thanks to technological advancements, insurers have been able to increase their efficiencies over the years. Term rates hit all-time lows in 2009, but have recently started to increase due to heightened insurer reserve requirements resulting from the 2008-2009 financial crisis.


VA Home Loan Rates, VA Streamline Refinance, VA Cash Out Refinance

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Disclosure to Vermont Consumers

Full Beaker, Inc. does not act as your lender. Full Beaker, Inc. forwards your information to our mortgage origination partners who then contact you directly with their offers. Our services are provided free of cost to you and we do not charge or attempt to collect any fees from you. Our fees are flat and are collected from our partners, the amount of which is not dependent upon whether or not a loan is closed. Full Beaker, Inc. neither selects nor recommends a loan product for you. Per Vermont law, we represent the interests of potential borrowers by referring you to one or more of our mortgage origination partners who are licensed or otherwise authorized to do business in Vermont. We maintain records of your inquiry and recommend that you to print out a copy of this agreement for your own purposes.

By clicking ‘I Agree’ below, you have read the above disclosure and understand that as a resident of Vermont you are submitting your information to Full Beaker, Inc.