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Uncover the Truth About Your Investment Advisor - Form ADV, REMMONT.COM

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Health Information Technology

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Health Information Technology

If you re proficient in managing and collecting large amounts of data, then you should consider a career in the Health Information Technology field. As a technician, you ll organize health information data and discuss patient information with other medical professionals. Gwinnett Tech s Health Information Technology program offers you the ability to pursue jobs in this field. You ll learn about medical coding, records management, data reporting, corporate compliance and more.

The Health Information Management Technology (Associate of Applied Science) program is accredited by the Commission on Accreditation for Health Informatics and Information Management (CAHIIM).

For additional information regarding the HIT Certificate, including application process, grants, and program requirements, please contact Tavia Thurmond. Program Support Specialist.

Take the first step toward a top job in this field and apply for next semester. All the dates and deadlines you need to know are here on the website. If you re looking for ways to pay for your education, check out the scholarships for this program. You can also learn about our instructors, clubs and organizations and check out the advisory board to learn more about companies in this field.

Attend one of our monthly information sessions to learn more. View the schedule

View our course catalog and check out these offerings:

Health Information Management Technology

Medical records and health information technician positions are available at hospitals, physicians offices, state and federal health care agencies, clinics, managed care organizations, behavioral health facilities, consulting and law firms, ambulatory care facilities, information system vendors, insurance companies and long-term care facilities.

Health Information Technology Advisory Committee

Farida Bambot
Destination Automation

Jim Denny

Marla Gorges
Georgia Institute of Technology

Monty Green
MVG Consulting

Lynn Hood
Crackerjack Marketing

Chris Hooper
Emergence, Ga.Medical Accelerator

Phyllis Johnson
Georgia Department of Education

Ursie Ladson
Oakhurst Medical Center

Patsy Lavely
Gwinnett Health System

Deleise Lindsay
Lee Hecht Harrison

Lisa Luly

Kevin Peterson

Katie Rowland
Northeast Georgia Health System

Dr. Tom Upchurch

Deltalyn West
Gwinnett Technical College

Pat Williams
TAG Health Society

Dr. Lynn Zahner (retired)
FairCode Associates

Joe Zemel
McKesson Corporation

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San Diego Family Law Attorney – La Jolla Divorce Lawyer

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Certified Specialist in Family Law Since 1981

San Diego Family Law Lawyer

Nothing is more stressful than a family problem which requires an attorney. At the Law Office of Thomas M. Huguenor, we understand that you will likely go through a range of emotions during your divorce or child custody matter.

While we cannot lessen the pain of the moment, we will ensure that your legal case proceeds smoothly. Thomas Huguenor is a board certified family law lawyer whose knowledge of the legal system has been proven consistently throughout his 35 years of practice. During your family crisis, it is important that you hire an attorney capable of protecting the future of you and your children. Contact our San Diego office today for a free consultation.

Quality Family Law Representation in San Diego and La Jolla

We understand that this is a difficult time in your life. The last thing you want to be concerned with is figuring out what to do next. We focus on family law matters so that you may focus on the future. With the Law Office of Thomas M. Huguenor you get high quality representation from a veteran attorney with a well-respected reputation. Tom is a certified family law expert with a proven track record of success. It is our honor to care for you and your family. Please contact our lawyers online or at (858) 458-9500 to schedule your free consultation. We also service Del Mar, Carlsbad, Encinitas, and La Jolla.

Legal Representation for Divorce and Child Custody Issues

One has many questions when dealing with a family law crisis. You may be worried about how you will financially support your children or wonder if you will be allowed to continue living in your family’s home. You may not know if you will be allowed to relocate your child outside of California in the future. You may also feel anxiety over having been out of the workforce for a number of years. Thomas Huguenor is a long-term, San Diego based attorney who is able to answer your questions and explain the process of your family law case. Our office’s standard of high quality service will ensure that your needs are met and that you are confident that your interests are being protected.

What To Expect From Our San Diego Family Law Attorneys

During your initial consultation, Tom will discuss the details of your case and determine what your goals are. He will determine your desires in regards to issues such as child custody. marital property division, businesses you and your spouse co-own, and will assess all aspects of your situation. He will determine if you can save money on the legal process by negotiating an uncontested divorce or by working out a divorce settlement with the other party privately. Once our office has gained an understanding of your needs we will file the appropriate motions to begin your case. We will be in regular communication with you to ensure that you understand the process and that you are in the loop as your case moves forward. Call our San Diego office today if you require legal assistance.

We couldn’t be happier with his service & expertise.

by Sara Fischer

They helped me with my child custody issues involving multiple states.

Tom is ethical and keeps himself up to date with all the changes in family law.

by Sherry Ireland

The Law Office of Thomas M. Huguenor
11455 El Camino Real, Suite 390
San Diego. California 92130
Office: (858) 458-9500
Fax: (858) 630-2341

Our Firm Services The Following California Areas:
San Diego, La Jolla, Del Mar, Carmel Valley, Rancho Santa Fe, Carlsbad, Encinitas, Solana Beach, Pacific Beach, and Mission Beach.

Certified family law specialist by the State Bar of California’s Board of Legal Specialization.

The Law Office of Thomas M. Huguenor is a San Diego, California firm practicing exclusively in the area of domestic relations law. We handle a wide range of matters including divorce, child custody, and child support. Whatever your situation we can be of assistance. Feel free to contact us today.

Copyright 2017 – The Law Office of Thomas M. Huguenor. All Rights Reserved. Sitemap – Legal Marketing by: SLS Consulting

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Trade-show displays, trade-show displays., REMMONT.COM

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MODdisplays will stand behind our products from start to finish. Our trade show displays are easy to set up and break down, lightweight for easy transportation and shipping, and designed to last for many years. We understand that exhibiting is about more than just your back wall display, which is why our displays are designed to create an environment and a sense of atmosphere. By using counters, monitor mounts, product shelves, literature holders, and hanging signs in many of our trade show displays, we strive to give your exhibit space dimension and visibility. All of our exhibits carry a warranty that guarantees replacement in the event that your booth is damaged or defective on arrival, but our displays are designed to endure the toughest tests you can dish out.

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Event Management School: Certification Courses, Programs – Stratford University

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Event Management

Event Management


The mission of the Stratford University Event Management Certificate Program is to support the events profession by offering superior educational courses and practical experiences for career advancement within the industry, including special events, meetings, tradeshow, entertainment, sports management and fundraising.

Entrance Requirements

Students accepted into the Event Management Certification Program must meet the following acceptance criteria.

  • High School Diploma or equivalent
  • Proof of English proficiency
  • Courses accepted from other programs on a case by case basis with proof of completion and verification of competency.
  • All such approvals are made by Alice Conway. CSEP, Director of the Certificate Program in Event Management.

Event Management Certificate Requirements

In order to attain an Event Management Certificate, students are required to complete the following.

  • Core Courses (4 Required)
    • Event Administration
    • Event Coordination and Operations
    • Event Marketing
    • Event Risk management
  • Elective Courses (3 Required)
    • Event Protocol
    • Social Event Management
    • Event Entertainment and Production
    • Event Fundraising and Sponsorship
    • Event Negotiations and Contracts
    • Event Design and Decor
  • Class Evaluation Method
    • Quiz (multiple choice and true/false)
    • Case study analysis
  • Practicum Requirement
    • 200 hours minimum
    • Supervised event observation and participation
  • Portfolio Requirement
    • Demonstration of event management activities
    • Documentation of actual events
    • Guidelines provided by Stratford
  • Comprehensive Examination
    • Multiple choice
    • Essay

Program Cost

All Event Management Courses are $460 per class (except Study Tours). Corporate and group discounts are available.

Additional Information

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JF Maschinen – RADLADER NEU, mietkauf angebote.

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Radladern Maschinen in Bau- und Landwirtschaft.

Unser Fokus liegt auf dem Vertrieb von preiswerten Radladern und Hofladern sowie den verschiedensten zugehörigen Radlader Anbaugeräten zu einem äußerst interessanten Preis- Leistungsverhältnis. Darüber hinaus erweitern wir derzeit unser Angebot um die Sparte Compact Maschinen und Geländestapler. Sämtliche Radlader und Maschinen werden europaweit von unserer Zentrale in Süddeutschland nahe dem Bodensee, oder von unseren niedergelassenen Händlern bei Ihnen vor Ort vertrieben.


Garantierte Radlader Ersatzteilversorgung: In unserem Zentrallager in Süddeutschland halten wir ständig ca. 2.500 Ersatzteile vorrätig bereit! Sollte ein Ersatzteil nicht auf Lager sein, beschaffen wir dieses umgehend!

Eine Besichtigung der Radlader und Maschinen ist nach vorheriger Rücksprache jederzeit möglich. Gerne erläutern wir ihnen in einem persönlichen Gespräch die Vorteile unserer Radlader und anderen Produkte. Weitere Infos finden Sie hier.


Europaweit können wir den Radlader Transport für Sie organisieren und ausführen lassen. Sie erhalten bei der Radlader Lieferung eine Einweisung durch unser geschultes Fachpersonal und können so direkt mit dem Einsatz Ihres Radladers starten.

Für eine Angebotserstellung oder Fragen zögern Sie nicht und kontaktieren Sie uns am besten per Email unter [email protected] oder gehen Sie direkt auf einen unserer Radlader-Händler zu.

Die Adressen finden Sie im Bereich Kontakt .


Für die Erstellung eines individuellen Radlader Angebots benötigen wir folgenden Informationen von Ihnen:

  • Gewünschtes Radlader-Modell
  • Radlader Zubehör, Ausstattung Anbaugeräte
  • Abholung oder Lieferung

Gerne erstellen wir Ihnen dann Ihr persönliches Radlader Angebot. Beachten Sie hierbei auch unsere günstigen Radlader Mietkauf Angebote.

The Narcissist’s Reaction to Deficient Narcissistic Supply, pretend traduction.

#Pretend #traduction

Pretend traduction

The Narcissist’s Reaction to Deficient Narcissistic Supply

Frequently Asked Question # 28

Narcissists decompensate, act out, and experience brief psychotic episodes when deprived of narcissistic supply long-term.

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How does the narcissist react when he fails to obtain enough Narcissistic Supply?

Very much as a drug addict would react to the absence of his particular drug. The dwindling or absence of supply is a trauma and the narcissist experiences post-traumatic stress.

The narcissist constantly consumes (really, preys upon) adoration, admiration, approval, applause, attention and other forms of Narcissistic Supply. When lacking or deficient, a Narcissistic Deficiency Dysphoria sets in. The narcissist then appears to be depressed, his movements slow down, his sleep patterns are disordered (he either sleeps too much or becomes insomniac), his eating patterns change (he gorges on food or is avoids it altogether).

He is be constantly dysphoric (sad) and anhedonic (finds no pleasure in anything, including his former pursuits, hobbies, and interests). He is subjected to violent mood swings (mainly rage attacks) and all his (visible and painful) efforts at self-control fail. He may compulsively and ritually resort to an alternative addiction – alcohol, drugs, reckless driving, shopaholism.

This gradual disintegration is the narcissist’s futile effort both to escape his predicament and to sublimate his aggressive urges. His whole behaviour seems constrained, artificial, and effortful. The narcissist gradually turns more and more mechanical, detached, and unreal . His thoughts constantly wander or become obsessive and repetitive, his speech may falter, he appears to be far away, in a world of his narcissistic fantasies, where Narcissistic Supply is aplenty.

He withdraws from his painful existence, where others fail to appreciate his greatness, special skills and talents, potential, or achievements. The narcissist thus ceases to bestow himself upon a cruel universe, punishing it for its shortcomings, its inability to realise how unique he is.

When narcissism thus fails as a defense mechanism, the narcissist develops paranoid delusions: self-directed confabulations which place him at the center of others’ allegedly malign attention. The narcissist becomes his own audience and self-sufficient as his own, sometimes exclusive, source of narcissistic supply.

The narcissist goes into a schizoid mode (narcissistic or schizoid withdrawal): he isolates himself, a hermit in the kingdom of his hurt. He minimises his social interactions and uses messengers to communicate with the outside. Devoid of energy, the narcissist can no longer pretend to succumb to social conventions. His former compliance gives way to open withdrawal (a rebellion of sorts). Smiles are transformed to frowns, courtesy becomes rudeness, emphasised etiquette used as a weapon, an outlet of aggression, an act of violence.

The narcissist, blinded by pain, seeks to restore his balance, to take another sip of the narcissistic nectar. In this quest, the narcissist turns both to and upon those nearest to him. His real attitude emerges: for him, his nearest and dearest are nothing are but tools, one-dimensional instruments of gratification, Sources of Supply or pimps of such supply, catering to his narcissistic lusts.

Having failed to procure for him his drug’ (Narcissistic Supply), the narcissist regards friends, colleagues, and even family members as dysfunctional, frustrating objects. In his wrath, he tries to mend them by forcing them to perform again, to function.

This article appears in my book, Malignant Self-love: Narcissism Revisited

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This is coupled with merciless self-flagellation, a deservedly self-inflicted punishment, the narcissist feels. In extreme cases of deprivation, the narcissist entertains suicidal thoughts, this is how deeply he loathes his self and his dependence.

Throughout, the narcissist is beset by a pervading sense of malignant nostalgia, harking back to a past, which never existed except in the thwarted fantastic grandiosity of the narcissist. The longer the lack of Narcissistic Supply, the more the narcissist glorifies, re-writes, misses and mourns this past.

This nostalgia serves to enhance other negative feelings, amounting to clinical depression. The narcissist proceeds to develop paranoia. He concocts a prosecuting world, incorporating in it his his life’s events and his social milieu. This gives meaning to what is erroneously perceived by the narcissist to be a sudden shift (from over-supply to no supply).

These theories of conspiracy account for the decrease in Narcissistic Supply. The narcissist then – frightened, in pain, and in despair – embarks upon an orgy of self-destruction intended to generate alternative Supply Sources (attention) at any cost. The narcissist is poised to commit the ultimate narcissistic act: self-destruction in the service of self-aggrandisement.

When deprived of Narcissistic Supply – both primary AND secondary – the narcissist feels annulled, hollowed out, or mentally disembowelled. This is an overpowering sense of evaporation, disintegration into molecules of terrified anguish, helplessly and inexorably.

Without Narcissistic Supply the narcissist crumbles, like the zombies or the vampires one sees in horror movies. It is terrifying and the narcissist will do anything to avoid it. Think about the narcissist as a drug addict. His withdrawal symptoms are identical: delusions, physiological effects, irritability, and emotional lability.

In the absence of regular Narcissistic Supply, narcissists often experience brief, decompensatory psychotic episodes. This also happens while in therapy or following a life-crisis accompanied by a major narcissistic injury.

These psychotic episodes may be closely allied to another feature of narcissism: magical thinking. Narcissists are like children in this sense. Many, for instance, fully believe in two things: that whatever happens – they will prevail and that good things will always happen to them. It is more than mere belief, really. Narcissists just KNOW it, the same way one knows about gravity – directly, immediately and assuredly.

The narcissist believes that, no matter what he does, he will always be forgiven, always prevail and triumph, always come on top. The narcissist is, therefore, fearless in a manner perceived by others to be both admirable and insane. He attributes to himself divine and cosmic immunity – he cloaks himself in it, it renders him invisible to his enemies and to the powers of evil . It is a childish phantasmagoria – but to the narcissist it is very real.

The narcissist knows with religious certainty that good things will always happen to him. With equal certitude, the more self-aware narcissist knows that he will squander this good fortune time and again – a painful experience best avoided. So, no matter what serendipity or fortuity, what lucky circumstance, what blessing the narcissist receives – he always strives with blind fury to deflect them, to deform and to ruin his chances.


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Walmart: liquidación en varios departamentos y hasta 18 meses sin intereses, autos usados en pachuca.

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Autos De Epoca, Un sitio dedicado a los Autos Clásicos, autos americanos en venta.

#Autos #americanos #en #venta

Autos americanos en venta

+54 9 223 521 6012

+54 223 475 0207

Nextel ID 668*984

Mar del Plata – Argentina


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Autos americanos en venta +54 9 223 521 6012

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Somos una empresa nacida en Mar del Plata dedicada a la comercialización y reparación de autos clásicos y de colección.

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Bienvenidos al sitio web de Auto Retro.

En este sitio podrá encontrar la oferta de vehículos a la venta, así como también información referente a nuestra empresa, los trabajos realizados, nuestros servicios y eventos que organizamos.

En Auto Retro estamos convencidos de que nuestro principal valor es el compromiso con nuestros clientes y constantemente trabajamos para superarnos.

Bienvenidos a nuestro sitio y a Auto Retro.

Nuestra Historia

Era 1986 cuando mi padre Carlos Alberto Bertomeu, comenzó a buscar una PickUp Ford 1938 con la cual el había pasado su infancia en su Mendoza natal. Al no tener suerte con su búsqueda opta por comprar una Chevrolet Styline 1951, la cual al cabo de un tiempo recibió una restauración minuciosa y durante mucho tiempo fue el auto de uso diario de la familia.

Actualmente el Styline 51 descansa en nuestro garaje privado como un objeto de culto y homenaje a mi padre

Lo que el nunca imaginó es lo que despertó con el correr del tiempo, una apasionante afición por los autos de colección en mi y en mi hermano gemelo que fue creciendo a lo largo del tiempo.

Cuando logramos la mayoría de edad, para iniciar un proyecto con dedicación y profesionalismo fundamos la primer empresa de alquileres de automóviles antiguos para eventos de Mar del Plata, llamada Special Cars, dedicada a bodas, cumpleaños, traslados empresariales, cortos publicitarios, etc.

Consolidados en la ciudad de Mar del Plata, ciudad turística por excelencia en Argentina, pasamos a restaurar vehículos para ampliar la empresa.

Luego de un tiempo comencé a suministrar vehículos antiguos y de época a conocidos y amigos, entonces, lo que se inició como un hobby, hoy en día ha tomado las características de una empresa de nivel internacional, avalada por una amplia trayectoria en el rubro, encargada de comercializar automóviles antiguos clásicos y sport a las más refinadas colecciones privadas dentro y fuera de la República Argentina.


Con el correr del tiempo Marcelo Bertomeu, siempre ayudado por su familia, establece un nuevo local de más de 500 m 2 ubicado en el microcentro de Mar del Plata llamado Auto Retro Mar del Plata, este showroom ofrece un constante y renovado stock de vehículos de todas las épocas y marcas.

También en sus instalaciones ofrece el servicio de guardería de clásicos, mantenimiento y service de los mismos. Consta de una amplia variedad de bibliografía de autos de todas las épocas y suministrando por pedido de información y catálogos con más de 48000 libros disponibles.

El showroom cuenta con un importante stock de productos americanos y europeos, nuevos y tambien se importan repuestos y accesorios por pedido.

Otro de los servicios que se realizan son las restauraciones parciales y totales de vehículos, con especialistas de alto nivel en todos sus rubros, garantizando un excelente nivel a la hora de tener el producto terminado. Nuestros autos han sido premiados en diferentes oportunidades, en exposiciones y rally a niveles internacionales, como por ejemplo Auto Retro Barcelona, Sur Brasileiro, Aguas de Lindoi , Campos de Jordao y Auto Clásica Bs.As., esta última donde anualmente concurrimos con diferentes autos y stands propios mostrando la calidad y piezas de colección a todos los visitantes.

Localizando por pedido automóviles según las exigencias requeridas por sus clientes

Dedicado a la compra-venta de automóviles y todo lo referido a ellos Marcelo fue creciendo siendo un vanguardista en el tema. Por sus manos han pasado miles de coches, de todas las clases y colores, buenos y malos, y ha suministrado coches a las más importantes colecciones de nuestro país y el exterior.

En estos últimos tiempos nos hemos avocado a la importación y exportación de vehículos con representantes en Europa y Brasil.

Assicurazione Auto Online – Confronta ora, assicurazione auto prezzi.

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Assicurazione auto online!

Il comparatore gratuito ti guida nella scelta della migliore assicurazione auto online presentando solo gli assicuratori che offrono un servizio affidabile e trasparente.Scegli una copertura su misura per te, abbiamo individuato tra le offerte presenti sui siti delle compagnie la soluzione migliore per ogni tipo di cliente: per chi punta al risparmio, per chi si concentra più sulle garanzie o sull’assistenza. Il vantaggio? Rendiamo la tua scelta più veloce ma più consapevole perchè confrontando potrai individuare la polizza migliore e con un click accedere al sito della compagnia per ottenere il preventivo.

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Il comparatore Assicurazioneauto.it mi ha aiutato a riconoscere la migliore assicurazione auto, in pochi minuti e con la massima affidabilità.

Perché scegliere Assicurazioneauto.it:

  • Offre le migliori assicurazioni auto
  • Ti permette di confrontarle in pochi minuti
  • Risparmi assicurandoti online
  • Massima riservatezza dei tuoi dati

Confronto assicurazioni auto

  • Assicurazione auto
  • Info
  • Voto
  • Prezzo a partire da
  • Preventivo assicurazione auto


In Italia il caro-assicurazione auto non si ferma, i dati parlano chiaro. Le assicurazioni auto hanno raggiunto i livelli più alti d’Europa, facciamo un esempio: secondo le statistiche condotte da Istituti specializzati nella comparazione di prodotti assicurativi, una polizza di base, che non include le garanzie opzionali, può oscillare tra i 580 euro a Milano e i 1400 euro in Campania, è un dato eloquente se confrontato con i 240 euro che un automobilista paga per la stessa polizza in Germania.

Tuttavia, assicurare la propria auto è una necessità dalla quale non si può prescindere, come fare per aggirare l’ostacolo?

Rivolgersi a compagnie assicurative dirette che operano online, le uniche in grado di offrire le soluzioni più economiche in virtù del fatto che non sono gravate dai costi di gestione e manutenzione degli uffici che pesano, invece, sulle compagnie tradizionali.

Le compagnie assicurative online, quindi, possono permettersi di vendere polizze auto a prezzi più convenienti.

E’ qui che entra in gioco il servizio pensato da Assicurazioneauto.it: l’imperativo è mettere i propri clienti in diretto contatto con una vasta gamma di compagnie assicurative appartenenti alla tipologia ‘operatori online’ e premiate per la qualità della loro offerta.

Il nostro servizio è completamente gratuito e non richiede il pagamento di commissioni aggiuntive in quanto ti rimanda direttamente al link dell’impresa assicurativa che hai scelto per richiedere il preventivo personalizzato.

Usufruire di un servizio conveniente non significa rinunciare all’efficacia e alla personalizzazione delle garanzie: ti aiutiamo a risparmiare scegliendo solo il meglio sul mercato assicurativo.

Ci siamo preoccupati di selezionare per te le compagnie più accreditate secondo le classifiche europee condotte da istituti specializzati nella valutazione della soddisfazione degli assicurati.

Stai per fare un acquisto che comporta un esborso consistente di denaro? Il primo passo è reperire il maggior numero possibile di informazioni sulle offerte presenti sul mercato per effettuare un confronto, lo si fa per comprare un elettrodomestico, un’auto e, perché no, per una polizza assicurativa.

Ti chiediamo, perchè pagare di più se puoi avere a portata di click un prospetto chiaro che mostra quali sono le compagnie che offrono le assicurazioni auto più vantaggiose? Lavoriamo per aiutarti a scegliere!

Abbiamo deciso di farti risparmiare tempo, come?

Svolgendo per te la fase di ricerca delle migliori compagnie assicurative operanti sul mercato, sul nostro sito web troverai il risultato di quest’attività che include solo le imprese leader nel settore, basti pensare a Zurich e Direct Line.

Ti ricordiamo che prima di scegliere con chi assicurare la tua auto è utile comparare diverse alternative, il motivo è semplice, il costo del premio della polizza assicurativa può subire variazioni anche importanti tra una compagnia e l’altra. La parola d’ordine per risparmiare è confrontare.

E’ semplice e veloce: scegli in questa pagina le compagnie assicurative che ti interessano, clicca su PREVENTIVO e avrai immediato accesso al loro sito web, in pochi istanti potrai richiedere e ricevere il tuo preventivo personalizzato.

Una volta ottenuti i preventivi sarai libero di confrontare le diverse offerte, comodamente da casa e senza impegno, e potrai avviare la procedura per stipulare lassicurazione auto più adatta alle tue abitudini di guida.

Whole Life Insurance, AIG Direct, whole life insurance quotes.

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What is Whole Life Insurance?

Whole life insurance is a type of permanent life insurance coverage designed to last from the time you purchase your policy through the remainder of your life.

Whole life insurance typically offers guaranteed acceptance and builds cash value over time. A portion of each premium you pay becomes part of this cash value. This money accumulates on a tax deferred basis and is available to you (subject to policy terms). Additionally, you can borrow money against the cash value of your whole life insurance policy instead of taking out a loan elsewhere. Usually, this can be done without the waiting periods and credit checks that other types of loans can have. Just keep in mind that if you borrow against the cash value of your whole life insurance policy, you should consider repaying it as soon as possible. If you don’t, your loved ones will have a reduced death benefit if you die since unpaid loan balances are deducted from death proceeds.

How Much Does Whole Life Insurance Cost?

Whole Life Insurance Premiums

One advantage of whole life insurance policies is that they offer fixed premium rates and death benefits. That means that from the time of purchase to the end of the policy, your premium payments and death benefit should remain locked in place (so long as you make your premium payments on schedule, and haven’t taken out any cash value). Your predictable, fixed-rate premium payments can be made on a monthly, quarterly, semi-annual, or annual basis as agreed upon by you and the insurer you choose. You can also work with an agent to create a customized a premium payment plan that works for your budget.

For some, it’s the fixed premiums; for others the cash value attracts them to whole life insurance. But, if you’re over 50, 60, or 70 years old there may be another reason to consider whole life insurance from AIG Direct. A commonly chosen type of whole life insurance called Guaranteed Issue Whole Life insurance (GIWL), offers guaranteed issue coverage up to $25k with no medical exam required. Because of its accessibility, GIWL is often chosen by seniors. Also known as “Senior Life” or “Burial Insurance” beneficiaries can use the proceeds to help cover final medical and burial expenses.

Ex Milan, Boateng festeggiato da uno juventino FOTO, mattia buongiorno instagram.

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California Department of Insurance, ca state auto insurance.

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Decreasing, Level or Annual Renewable Term Life, AccuTerm, annual renewable term life insurance quote.

#Annual #renewable #term #life #insurance #quote

Decreasing, Level and Annual Renewable Term Life: FAQs Answered

If you need life insurance and are on a tight budget, Term Insurance is the least expensive and may fit your need. It will give you a large enough benefit to protect a mortgage, a growing family, or a business, and when you no longer need it, you can simply cancel it. You pay a low premium for a set period of time—the “Term,” and usually the policy allows you to include selected riders, such as spouse term, disability rider, child riders, and more. At the end of the Term, you will likely be able to convert the policy through the same company. It seems pretty simple, but there are different types of Term policies and even some things to avoid.

Level Term Life is the most common type of Term Life. Your premium and face value remain unchanged for the duration of the Term. If you no longer need the insurance, you can simply stop paying and cancel the policy. There will be no refund because Term does not build cash value.

Decreasing Term Life is commonly sold as Mortgage insurance, although you can convert a level Term to Decreasing, and, with some companies, can purchase Decreasing Term right from the start. The initial benefit will probably be higher than Level Term for the same premium, but over time the benefit gradually reduces. Your premium should remain unchanged. In the last years of the policy, the benefit will be very small. This type of policy is okay if your purpose is to cover a large debt which will be paid down at roughly the same rate as the decrease in the policy. Given the other options, many people do not want a policy that pays less as time goes on.

This type of Term policy is often the result of converting a level term. Your benefit remains unchanged, but your premium will go up every year as you get older. Most people would not buy Annually Renewable initially, but if you have a Level Term about to expire and have health issues, Annual Renewable Term could be a way to maintain coverage.

Modified Term Life Insurance is probably one type you want to avoid although numerous companies offer it as mail order Life Insurance. The word “modified” simply means that several features of the policy could change over time. The premium is the most common variable feature as it could increase periodically, often every time you enter a new five year age band. The benefit usually remains level, but it could be a “graded” Term. Graded policies are for people who are uninsurable; because there are few, or no health questions. The policy will return premium only for the first two or three years. If you need a graded policy, you might be better off with a whole life option.

Accident policies are frequently offered by banks and credit unions as a “member” benefit. You may have a small policy simply as a feature of having an account, but the company will offer additional coverage for an additional price. Unless you have a high risk job and want an accident policy in addition to other life insurance you may have, you probably don’t want a policy that only pays if you die in an accident.

Read before—and after—you buy! You can use our convenient site to learn more about our preselected companies and what they offer. But after making your purchase, read the policy, or ask your agent to go over the details. The most disappointing aspect of life insurance occurs when a loved one dies, and the policy isn’t what they thought it was.

Le news di SantaCroceOnLine, chiedere sinonimo.

#Chiedere #sinonimo

Chiedere sinonimo

Santa Croce di Magliano, domenica 14 gennaio 2018

Fuochi di Sant’Antonio Abate a Colletorto

Docet e s’infiamma il “calore del fuoco” a Colletorto – in vista del 17 gennaio – per spegnersi nell’arco di una lunga nottata. La composizione di tanti falт – nei luoghi piщ suggestivi del tessuto urbano – in onore di Sant’Antonio Abate – puntualmente coinvolge non pochi gruppi sociali attenti a tener in vita i tanti elementi culturali e di sapere locale, che, appunto, la festa tradizionale contiene e rinnova ogni 17 gennaio. Il fuoco accende – dunque – la voglia di stare insieme e di socializzare per rivivere gli antichi sapori d’un tempo. Il fuoco infiamma e riscalda con piacere i cuori di chi giunge da lontano a Colletorto, per condividere un’esperienza socializzante irripetibile.

Tra canti, nenie, tarantelle, pietanze contadine e tante scintille, il piacere della festa и assicurato. Il fuoco, infine, consente di volgere lo sguardo sempre piщ in alto per imprimere al proprio cammino il rispetto di quei valori che soddisfano lo spirito. Gli insegnamenti sono forti ed esaltanti, celati in un racconto che a bocca aperta risuona e incuriosisce. Il serpentone della memoria coinvolge chiunque e piace un po’ a tutta la popolazione. Non a caso il “giro dei fuochi” mette di buon umore e fa apprezzare di piщ i segni architettonici normanni e napoletani all’interno del “Borgo degli Angioini” che pochi conoscono.

Tre le curiositа si tratta di una festa spontanea dove non c’и nulla che viene dall’alto. In questi giorni и facile, pertanto, vedere per le vie del paese gruppi di bambini chiedere di porta in porta un pezzo di legna come si faceva una volta. In questo caso la cosiddetta questua и d’obbligo.

“Ci date un pezzo di legna per il fuoco di Sant’Antonio”? E’ questa la richiesta che risuona per le vie del borgo. Si accentua e si sente lа dove le viuzze diventano anguste e piщ strette. Il disegno degli avi dunque rivive per rinnovare una questua secolare in nome del Santo, Sant’Antonio Abate, a cui si affidava la cura dell’Herpes Zoster, conosciuta piщ comunemente come fuoco di Sant’Antonio.

Nel Medioevo, veniva curato con una fettina di lardo di maiale messa sulla parte malata che produceva un’irritazione dolorosissima. Non a caso il maialino diventa un elemento fondamentale dell’immagine sacra del Santo per indicare la volontа di protezione di tutti gli animali e la sua importanza nell’alimentazione contadina. L’animale и sinonimo di abbondanza: “a grasce da case”. Le varie parti del maiale – perciт – spiccano il volo sulla parte piщ alta del fuoco a forma di cono.

Nella composizione la figura и perfetta. Si distingue per la sua punta allungata con l’ambizione di abbracciare il rossore del cielo. La spinta ideale avvicina due mondi completamente antitetici. Cresce l’ardore. Il soffio del richiamo del sacro scintilla sempre piщ in alto. I pensieri si mescolano. Chiarificano le virtщ del Santo a cui si chiede protezione. Insomma tanti aspetti di ieri trionfano nel racconto della memoria. Ritornano e incantano chi vive in prima persona i momenti piщ esaltanti della festa fino all’indomani del diciassette gennaio. Fino a quando si consumano i pezzi di legna piщ grandi e si spegne l’ultima fiammella.

Certo – un tempo – era piщ facile vedere in primo piano tutti questi elementi simbolici dal sapore sacro e profano. Oggi – in veritа – accanto ai prodotti tipici – il consumismo e la meccanizzazione agricola hanno piщ spazio, perchй condizionano le tappe organizzative. Raccogliere la legna secondo le modalitа tradizionali diventa difficile. Non tutti hanno in casa un camino. Comunque i gruppi di agricoltori, i giovani, le associazioni del luogo, come i Cavalieri Angioini, la Scuola Primaria e la Scuola Media offrono tanto impegno. L’obiettivo и comune. Raccogliere tantissima legna.

E’ bene salvaguardare i colori di una tradizione meravigliosa perchи ha ancora tanto da dire a chi dimentica il proprio paese. I tanti falт hanno il potere di far crescere questo respiro del cuore. Gli danno un volto per guardare avanti. E per amare di piщ – nel tempo – la bellezza delle proprie radici.

Intanto, la festa dei fuochi – con tutti i suoi valori – spinge verso un anno migliore. E’ propiziatoria e di buon auspicio. Come ci indica – del resto – il lessico di una rima recitata all’imbrunire: “A Sand’Andone a jernate s’allonghe de n’ore e ogni halline fa l’ove”.

Life Insurance Quotes – See Life Rates Now, Progressive, quote on term life insurance.

#Quote #on #term #life #insurance

Life Insurance

The younger you are, the more affordable your rates may be

Life insurance is your financial safety net

Life insurance can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

Life insurance rates are more affordable than you might think

Life insurance rates start at $14 per month. *

Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

What is life insurance and how it works

A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

Different types of life insurance

Term life insurance

Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout.

Permanent life insurance

Gives you a guaranteed payout no matter what age you are or when you pass away, as long as you keep paying your premiums.

Final expense insurance

Offers more affordable premium payments and is designed for final expenses, such as medical bills, credit card debt, funeral costs, etc.

Get a life insurance quote online and compare rates in just 5 minutes

We selected Efinancial to bring you one of the industry’s leading searching and comparing technologies. Efinancial works with top-rated life insurance companies to bring you some of the most competitive rates.

Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies.

Get a life insurance quote online or call for expert advice

  • Home
  • Insurance
  • Life Insurance

The #1 Insurance Site

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

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

Progressive Specialty Insurance Agency, Inc. refers consumers seeking Progressive Life Insurance by Efinancial LLC for placement with insurers offering that coverage. Efinancial and the insurers are not affiliated with Progressive.

PSIA and Progressive are not responsible for insurer or coverage selections, policies issued, claims, the content or operation of others’ websites, or how others handle or use your information. Information you provide to others is subject to their privacy policies and website terms of use, and may be shared with us.

PSIA receives compensation that may vary based on the number of applications taken by Efinancial and the policy you buy. Contact us for more details.

Price, coverage, and coverage terms and conditions may vary between insurers. Availability may vary by state.

* Quotes based on a composite of participating carriers which have at least an “A-” rating by A.M. Best. Rates current as of 12/20/2016 for a Guaranteed 10 year term-life policy, $250,000 in coverage issued at each company’s best-published rates. Sample rate is for a preferred plus, non-tobacco user, male and female age 20-30. Rates and the products available may vary by state. All policies are subject to underwriting approval.

Seguros moto, seguros motocicletas.

#Seguros #motocicletas

Seguros motocicletas

Aquí encontrarás proveedores de seguros para motocicletas seleccionados con las condiciones más competitivas.

motos.net te hace más fácil disfrutar de la motocicleta que estás buscando.

Seguros de Moto

La compañía con más de 25 años de experiencia preferida por los buenos conductores por su relación calidad/precio, y por ser ya cliente disfruta de hasta un 15% de descuento.

  • Libre elección de taller
  • Gestión y asesoramiento de multas
  • Asistencia en Carretera desde el KM 0
  • Asistencia sanitaria ilimitada en territorio nacional

AXA, primera marca mundial en seguros

Si estás buscando un buen seguro de moto confía en AXA, por nuestros más de 102 millones de clientes en todo el mundo y por todas las ventajas que te ofrecemos.

  • Consigue tu seguro de moto desde sólo 95€.
  • Ven a AXA y contrata tu seguro de moto con nosotros. No sólo te damos el mejor precio sino que también disfrutarás del mejor servicio que puedas imaginar.

Seguro a Terceros desde 65 € con Asistencia en Carretera

Los comparadores de precio lo demuestran: más de un 60% de veces Nuez da el mejor precio.

Nuez Seguros una compañía del Grupo Bankinter.

Miles de clientes ya ahorran más de un 30% en su seguro.

  • Los mejores precios del mercado.
  • Las mejores coberturas: con asistencia en viaje y reclamación de multas (consulta condiciones).

Seguros Mutua Madrileña

Vente a la Mutua y TE BAJAMOS el precio del seguro de tu moto sea cual sea

Disfruta de todas las ventajas de ser un grupo asegurador donde el Mutualista es lo primero.

  • Servicio de identificación sanitaria gratuito para ti
  • Ventajas del Club SOY Motero
  • Asistencia en viaje desde el Km. 0
  • Revisión anual de seguridad gratuita
  • Servicio Cambio de Moto
  • Gestión gratuita de multas
  • Gestoría gratuita VO

Seguros Fénix Directo

GRATIS 20€ en un cheque combustible por tu seguro de moto y ciclomotor. Ahora, tu Seguro de Moto desde 75€ y 5% de descuento sólo contratando online (incluido en precio).

  • Asistencia en Viaje desde Km0 (en moto) y Asesoramiento por Multas
  • Descuentos de hasta el 70% en tus compras ‘Club Fénix’
  • Gestiona tu seguro online y desde tu móvil las 24h

Seguros Linea Directa

En Línea Directa somos expertos en tu moto.

Línea Directa conoce mejor que nadie tus necesidades y por eso te ofrecemos:

  • Moto de sustitución
  • Asistencia en viaje 24h
  • 100% recambios originales

Tu seguro de moto con 25€ de gasolina gratis.

Contrátalo ahora y llévate un cheque un cheque en gasolina de 25 €.

Life Insurance Quotes – See Life Rates Now, Progressive, life insurance cheapest.

#Life #insurance #cheapest

Life Insurance

The younger you are, the more affordable your rates may be

Life insurance is your financial safety net

Life insurance can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

Life insurance rates are more affordable than you might think

Life insurance rates start at $14 per month. *

Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

What is life insurance and how it works

A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

Different types of life insurance

Term life insurance

Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout.

Permanent life insurance

Gives you a guaranteed payout no matter what age you are or when you pass away, as long as you keep paying your premiums.

Final expense insurance

Offers more affordable premium payments and is designed for final expenses, such as medical bills, credit card debt, funeral costs, etc.

Get a life insurance quote online and compare rates in just 5 minutes

We selected Efinancial to bring you one of the industry’s leading searching and comparing technologies. Efinancial works with top-rated life insurance companies to bring you some of the most competitive rates.

Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies.

Get a life insurance quote online or call for expert advice

  • Home
  • Insurance
  • Life Insurance

The #1 Insurance Site

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

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

Progressive Specialty Insurance Agency, Inc. refers consumers seeking Progressive Life Insurance by Efinancial LLC for placement with insurers offering that coverage. Efinancial and the insurers are not affiliated with Progressive.

PSIA and Progressive are not responsible for insurer or coverage selections, policies issued, claims, the content or operation of others’ websites, or how others handle or use your information. Information you provide to others is subject to their privacy policies and website terms of use, and may be shared with us.

PSIA receives compensation that may vary based on the number of applications taken by Efinancial and the policy you buy. Contact us for more details.

Price, coverage, and coverage terms and conditions may vary between insurers. Availability may vary by state.

* Quotes based on a composite of participating carriers which have at least an “A-” rating by A.M. Best. Rates current as of 12/20/2016 for a Guaranteed 10 year term-life policy, $250,000 in coverage issued at each company’s best-published rates. Sample rate is for a preferred plus, non-tobacco user, male and female age 20-30. Rates and the products available may vary by state. All policies are subject to underwriting approval.

Coches y motos que no lo son, seguros para coches.

#Seguros #para #coches

Coches y motos que no lo son. Las inspiraciones más originales.

Queda claro que las creaciones más divertidas de nuestro día a día son aquellas que guardan la apariencia de objetos que nos resultan muy familiares pero cuyos usos distan mucho de lo que simulan ser. Buena prueba de ello es este divertido Ránking sobre coches y motos que no lo son.

El mundo del motor es sin duda una fuente de inspiración para muchos, y no sólo para aquellos que trabajan cada día por sacar adelante nuevos diseños de coches o motocicletas. Arquitectos y escultores son sólo algunos de los profesionales que han caído en la tentación de representar en sus creaciones más importantes al mundo de las cuatro y dos ruedas.

1) Restaurante The Car. Das Auto

El puesto número 1 de nuestro Ránking de inspiraciones originales lo ocupa este coche-restaurante. Se trata de un diseño del ingeniero austriaco Markus Voglreiter, que después de un laborioso trabajo de construcción, vio finalizada su llamativa creación en mayo de 2004. Su objetivo era construir una casa que recordase estéticamente a su coche favorito, el Volkswagen Escarabajo. Es una pena que para verlo de cerca tengamos que viajar hasta Salzburgo (Austria).

El local, que cuenta con capacidad para 100 comensales, se inauguró en septiembre de 2007 y en él se pueden degustar platos típicos de la cocina italiana. Desconocemos lo que cuesta disfrutar de alguno de estos platos, pero estamos seguros de que quién pruebe a relajarse en una de sus ruedas o en el motor, no olvidará fácilmente la experiencia. Y es que a este gigante de cuatro ruedas no le han hecho falta muchos años para convertirse en un edificio de gran interés arquitectónico.

2) Esculturas

Las motos, y concretamente, las de la marca italiana Vespa, han servido de inspiración a la artista australiana Patricia Piccini. Ella es la artífice de una extensa serie de esculturas inspiradas en las suaves formas de la Vespa. Piccini ha dado vida a las diferentes partes de la motocicleta: las ruedas le sirven a la artista para representar las extremidades de su creación, los manillares aparecen a modo de orejas, los espejos retrovisores simulan el pelo, mientras los cuadros de mando representan los ojos.

Con esta propuesta las dos ruedas salen del asfalto para convertirse en el centro de atención de la sala de exposiciones. Sin duda una forma muy original de disfrutar del mundo del motor.

3) Muebles y decoración

La decoración de interiores es sin duda uno de los campos que más se ha valido, y se sigue valiendo, de las inspiraciones en coches y motos. A todo amante de las ruedas le gustaría poder convertir en vehículo alguna parte de su casa y eso algo de lo que nos han hecho participes muchos personajes del cine y la televisión.

En Internet nos encontramos con todo tipo de ideas para hacer de nuestra casa un parque móvil de lo más confortable. Con estas propuestas sus diseñadores han querido devolver la utilidad a coches antiguos que estaban destinados a seguir aparcados en el garaje, así que ¿Qué mejor manera que aparcarlos en medio de nuestro salón en forma de sofá o mesa para la televisión?

Hay quienes además se valen de la misma técnica para trasladar estas formas tan reconocibles a su espacio de trabajo ¿Un coche reciclado en mesa de estudio? ¿Un asiento para tus visitantes que recuerde a tu vehículo favorito? ¿Una silla que no pierda la estética de la Vespa? ¡Todo eso ya existe!

En cuánto a los estilos, hay tantos como gustos. Desde las recreaciones de estilo más Pop hasta las camas que nos sorprenden con un aire más futurista. Hay quienes incluso apuestan por pintar por completo las paredes de su cuarto, y hasta cambiar el parqué por una moqueta de acera para darle un aspecto total de garaje.

Y para quienes no puedan hacer frente a una reforma tan llamativa en su casa siempre quedarán esos pequeños detalles con los que poder presumir de pasión por el mundo de las ruedas, como esta lámpara, o este original botellero reciclado.

5) Mostrador de helados

Y terminamos nuestro Ránking con una creación que nada tiene que envidiar a las anteriores. Y es que ¿Qué pasaría si te encontrases con este original mostrador en medio de la calle? pues lo más probable es que te quedaras parado durante algunos minutos ante tal invención antes de decidirte a comprar un helado.

¿A qué local u objeto le pondrías forma de coche o moto? Si te ha gustado este contenido también puedes disfrutar de Motos y Coches de película. Te esperamos como cada día con más contenido original en nuestras redes sociales, y por supuesto en nuestro Blog!

Resolucion de reclamaciones, resolucion de reclamaciones.

#Resolucion #de #reclamaciones

Protecciуn al Asegurado y al partнcipe – Servicio de Reclamaciones

Ley 7/2017, de 2 de noviembre, por la que se incorpora al ordenamiento jurнdico espaсol la Directiva 2013/11/UE, del Parlamento Europeo y del Consejo, de 21 de mayo de 2013, relativa a la resoluciуn alternativa de litigios en materia de consumo.

Informaciуn sobre el procedimiento

El Servicio de Reclamaciones de la Direcciуn General de Seguros y Fondos de Pensiones atiende las consultas, quejas y reclamaciones que presenten los ciudadanos a travйs del procedimiento recogido en la Orden ECC/2502/2012, de 16 de noviembre, por la que se regula el procedimiento de presentaciуn de reclamaciones ante los servicios de reclamaciones del Banco de Espaсa, la Comisiуn Nacional del Mercado de Valores y la Direcciуn General de Seguros y Fondos de Pensiones. Este procedimiento es escrito y las consultas, quejas y reclamaciones se pueden presentar de dos formas:

  • En soporte papel, dirigiendo el escrito al Servicio de Reclamaciones de la Direcciуn General de Seguros y Fondos de Pensiones, situado en el Paseo de la Castellana nє 44, 28046 Madrid.
  • Por vнa telemбtica con firma electrуnica, a travйs de la pбgina web de la Direcciуn General de Seguros y Fondos de Pensiones
  • Asimismo, para realizar consultas se pone a disposiciуn de los ciudadanos el telйfono 952 24 99 82, con el siguiente horario: de lunes a viernes laborables de 9:30 a 14:30 h
  • Guнa Prбctica para la Presentaciуn de Quejas, Reclamaciones y Consultas (57 KB)
  • PG1 – Competencias del Servicio de Reclamaciones (52 KB)
  • PG2 – їQuiйn puede presentar consultas o reclamaciones? (52 KB)
  • PG3 – їCуmo plantear una queja o reclamaciуn? (68 KB)
  • PG4 – Tramitaciуn de quejas y reclamaciones (40 KB)

Descarga de Formularios para la presentaciуn de Quejas, Reclamaciones y Consultas

Los formularios que se publican a continuaciуn facilitan la presentaciуn de consultas, quejas y reclamaciones ante el Servicio de Reclamaciones, sin perjuicio de que usted pueda utilizar cualquier otro formato.

Seguro Vehicular – Seguros Vehiculares – Seguros Autos – GRUPO PRADO Corredores de Seguros, seguro carros.

#Seguro #carros

Seguro carros

Con una experiencia de nuestros ejecutivos de 20 años en seguros y más de 30 años en banca, en el año 2004 nos establecimos en el Perú como Grupo PRADO Corredores de Seguros S.A. con una misión muy clara en brindar una alta calidad de servicio y excelente trato personalizado, en la cual hasta el día de hoy permanecemos muy firmes. Asimismo; negociamos ante las aseguradoras las mejores condiciones para nuestros clientes, tanto en respaldo, coberturas y costos, y manejamos los siniestros a nivel gerencial.

Nuestros servicios

Te damos una asesoría personalizada, profesional y técnica







Cotiza en segundos tu seguro vehicular y obtén los costos de todas las aseguradoras.

Obtén un cuadro comparativo con las coberturas de todas las compañ as de seguros.

Te garantizamos el mejor precio. Tenemos los precios más bajos del mercado.

Tenemos el respaldo de la Superintendecia de Banca, Seguros y AFP del Perú.


Te damos una asesoría personalizada, profesional y técnica.

No cometas el error de tomar el seguro vehicular con el concesionario o el banco. Si estás comprando un vehículo nuevo, entonces ahora viene una parte muy importante que es la adquisición del seguro.

La Cláusula de Imprudencia del Conductor cubre si ingresas en contra del tráfico, te pasas la luz roja, manejas a velocidad excesiva, realizas una imprudencia, etc. ¿Estás bien coberturado?

En Grupo PRADO Corredores de Seguros S.A. trabajamos con todas las compañías de seguros del Perú y siempre estamos negociando corporativos especiales con los costos más bajos y las mejores coberturas.

El Diario GESTIÓN solicitó nuestro aporte para su suplemento Seguros sobre los seguros vehiculares. Algunos de los puntos sobre los que comentamos fueron sobre los diversos tipos de seguros de automóviles.

Porque tenemos much sima experiencia en el mercado asegurador, por lo cual somos invitados por los medios de comunicaci n para dar nuestros aportes sobre diferentes ramos de seguros.

Porque es 100% seguro y rápido, dado que estamos respaldados por la Superintendencia de Banca, Seguros y AFP y tenemos una gran infraestructura tecnológica para darte la mejor atención.

Si estás buscando un seguro para taxi, has llegado al lugar correcto. Tenemos los mejores productos de seguro de taxi del mercado y trabajamos con todas las aseguradoras más prestigiosas del país.

Respuestas a las preguntas más frecuentes, como saber que no tiene un costo adicional el contratar a un Broker de Seguros, conocer sobre las coberturas del seguro vehicular, gps, etc.

La Repubblica, calcolo valore piena proprietà.

#Calcolo #valore #piena #proprietà

Calcolo valore piena proprietà

Il venditore potrebbe essere individuato in una coppia di persone anziane, senza eredi, che alla loro morte, se non hanno disposto diversamente attraverso un testamento, vedrebbero i loro beni incamerati dallo Stato. Dalla vendita dell’immobile la nostra coppia "campione" potrebbe ricavare i mezzi finanziari per poter vivere più serenamente senza, però, dover rinunciare ad abitare la propria casa.

A chi si devono rivolgere i proprietari immobiliari che intendono vendere la ‘nuda proprietà’ dei loro appartamenti o l’investitore che vuole indirizzare i suoi mezzi finanziari verso questo particolare segmento del mercato immobiliare residenziale?

Come si giunge alla determinazione del prezzo della "nuda proprietà" di un immobile?

Nella formazione del prezzo di cessione della ‘nuda proprietà’ di un’unità immobiliare incidono tutta una serie di fattori che vanno dall’età del venditore, al numero di persone che si riservano il diritto di "usufrutto", per finire ai classici indicatori per la determinazione delle quotazioni immobiliari (stato di conservazione dell’immobile, sua ubicazione, ecc.ecc).

In concreto, a quanto può arrivare lo "sconto" per l’acquirente?

Difficile fornire precise indicazioni. Determinante è l’età del venditore (più elevata sarà la sua età e minore risulterà lo "sconto" per l’acquirente) e il numero di persone che si riservano il diritto di abitazione (due persone avranno uno "sconto" "superiore" rispetto a una).

In linea di massima, gli operatori immobiliari affermano che si può spuntare un ribasso sul prezzo di mercato oscillante fra il 20 e il 50 per cento. Una banda di oscillazione, dunque, piuttosto elevata che si giustifica con i "fattori" indicati in precedenza.

Il codice civile stabilisce che l’usufruttuario ha il diritto di godere della "cosa" altrui ma deve rispettarne la destinazione economica.

L’usufruttuario, oltre che a utilizzare direttamente l’immobile, potrà affittarlo a uso abitativo ma non potrà mutarne l’uso adibendolo, ad esempio, all’esercizio di un’attività professionale. L’usufruttuario può trarre dalla "cosa" (nel caso specifico l’appartamento ndr) tutto ciò che può trarre il proprietario. In pratica, l’usufruttuario può essere considerato un "proprietario a termine".

Le spese di manutenzione "ordinaria" sono a carico dell’usufruttuario, mentre quelle "straordinarie" sono di competenza del "nudo" proprietario.

Il codice civile indica quelle necessarie ad assicurare la stabilità dei muri maestri e delle volte, la sostituzione delle travi, il rinnovamento, per intero o per una parte notevole, dei tetti, solai, scale, argini, acquedotti, muri di sostegno o di cinta.

Bene: dovrà corrispondere al proprietario, durante l’usufrutto, l’interesse legale nella misura del 5 per cento delle spese sostenute dal proprietario per effettuare le riparazioni straordinarie.

Chi deve pagare le imposte sul "reddito" dell’unità immobiliare?

L’Irpef sulla rendita catastale dell’immobile e l’Ici (cioè l’imposta comunale sugli immobili) devono essere pagate dall’usufruttuario.

L’usufruttuario esercita il diritto di voto quando, nell’assemblea condominiale, si discutono affari che riguardano l’ordinaria amministrazione ed il semplice godimento delle cose e dei servizi comuni.

Nelle deliberazioni che riguardano innovazioni, ricostruzioni od opere di manutenzione straordinaria delle parti comuni dell’edificio, il diritto di voto spetta al "nudo" proprietario.

No. In linea di principio va rilevato che il "nudo" proprietario non può intervenire, in sede di voto, quando l’assemblea condominiale affronta argomenti collegati alla manutenzione "ordinaria". Pertanto, qualora l’usufruttuario risulti moroso, l’amministratore condominiale potrà esercitare i diritti del condominio promuovendo esecuzione forzata sul diritto di usufrutto che, come stabilisce l’articolo 2810 del codice civile, può essere ipotecato.

Dopo l’effettuazione della vendita della "nuda" proprietà, cosa deve fare il venditore per un corretto svolgimento della vita condominiale?

Dovrà tempestivamente comunicare l’avvenuta cessione della "nuda" proprietà dell’immobile all’amministrazione condominiale.

Sì. Per cautelarsi da eventuali sgradite sorprese, come quella di trovarsi alla morte dell’usufruttuario un inquilino indesiderato che, in possesso di valido titolo (cioè di un contratto) con data certa, ha diritto di continuare la locazione per la durata contrattuale stabilita, comunque non oltre cinque anni dalla cessazione dell’usufrutto, potrà concordare con il venditore al momento dell’acquisto della "nuda" proprietà, l’obbligo da parte sua di comunicare le eventuali intenzioni di cedere l’usufrutto o di locazione e la conseguente possibilità di esercitare un diritto di prelazione.

La base imponibile è costituita dalla differenza tra il valore della piena proprietà e quello dell’usufrutto.

Certamente. Il sistema di valutazione "garantita" si applica anche alla compravendita della "nuda" proprietà di immobili iscritti in catasto con attribuzione di rendita.

Al verificarsi di questa ipotesi, gli interessati potranno avvalersi del sistema di valutazione "garantita" facendone esplicita richiesta nell’atto di compravendita.

Come si calcola il valore del "diritto di usufrutto" e della "nuda" proprietà dell’immobile?

Questi valori variano in funzione dell’età dei beneficiari e si determina applicando la tabella che pubblichiamo qui di fianco.

Ipotizziamo una valutazione "automatica" dell’immobile (rendita catastale x 100) di 150 milioni. Il venditore ha 74 anni. Il valore del "diritto di usufrutto" sarà di 52,5 milioni (150 milioni x 5 per cento = 7,5 milioni x 7). Il valore della "nuda" proprietà risulterà di 97,5 milioni (150 milioni – 52,5 milioni cioè il valore dell’usufrutto).

Più è anziano il venditore e maggiore risulterà il valore della "nuda" proprietà con una conseguente maggiore tassazione dell’atto di compravendita.

Ritornando all’esempio precedente, in concreto, quale sarà l’incidenza fiscale sulla compravendita campione?

Il costo complessivo risulterà di 10.725.000 lire (cioè l’11 per cento di 97,5 milioni che corrispondono al valore della "nuda" proprietà) nel caso, più frequente, di compravendita fra persone fisiche.

In questo caso, il calcolo della tassazione relativa alla compravendita fra persone fisiche sarà il seguente: 97,5 milioni x 4 per cento = lire 3.900.000 + 500.000 lire di imposte fisse ipotecaria e catastale – Totale lire 4.400.000.

Seguro de Autos y Casas a Bajo Precio, compañias de seguros de coche.

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Aquí, en HablamosSeguros.com, asistimos a clientes hispano-hablantes a obtener sus seguros de hogar y automóvil con las tarifas más convenientes.

¿Por qué debe usted tener un seguro de hogar o de automóvil?

Sin lugar a dudas, el seguro de hogar o automóvil adecuado constituye en todo sentido la mejor manera de que usted esté protegido. El seguro de hogar y automóvil puede a la vez darle a su familia y a usted la tranquilidad a través de varios cambios en la vida, sabiendo que está protegido en tanto su familia crece y sus necesidades cambian.

Su vida y la vida de su familia son valiosas – y eso incluye todo aquello para lo que usted ha ahorrado y reunido dinero, desde su hogar, su auto hasta todas sus otras propiedades. En HablamosSeguros.com queremos ayudarlo a vivir una vida mejor, sabiendo que está protegido.

¿Cómo podemos ayudarlo a ahorrar?

Al navegar por nuestro sitio, encontrará todas las opciones de hogar y automóvil que necesite para ajustarse a su estilo. Puede seleccionar los planes según los precios o características. Lo ayudamos a ahorrar, haciéndole gastar menos de su valioso tiempo buscando y más tiempo seleccionando nuestras opciones en forma fácil y rápida.

¿Es su seguro adecuado para su familia?

Muchos de nuestros clientes se dan cuenta luego de un tiempo que la cobertura que tienen es muy cara, no es suficiente o no es adecuada para sus familias. Muchas personas con las que trabajamos no tienen el seguro de auto requerido por la ley en sus respectivos estados para protegerlos en el caso de un accidente.

Una vez que nuestros clientes ven lo que ofrecemos, retoman el control de sus propias vidas y las de sus familias. En este país, la competencia y la demanda determinan el precio, por lo tanto tiene sentido ver qué opciones existen para usted antes de pagar de más o comprometerse con un plan equivocado.

En HablamosSeguros.com lo ayudamos a encontrar el seguro correcto para usted y su familia ¡sin estrés y en sus propias manos!

¡Visite nuestro sitio ahora y conozca cómo podemos ayudarlo a usted y a su familia a hacerse cargo de su situación de seguros y encontrar el plan perfecto para usted! Haga click aquí para ver más.

Hablamos Seguros me puso en contacto con agentes que hablan mi idioma. Ahora tengo una póliza con la cual me siento seguro, y un agente en el que puedo confiar.

Preiswert eine Reise buchen im WWW, online reise buchen.

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Preiswert eine Reise buchen im WWW

Preiswert eine Reise buchen im WWW ist wohl die beste Möglichkeit günstig in den Urlaub zu kommen. Und es hat einige echt wichtige Vorteile, wenn der Reisende seine Reise online bucht. Eine Reise buchen im World Wide Web bedeutet die Freiheit zu haben unter etlichen verschiedenen Angeboten zu wählen. Kein Verkäufer, der einem dazu drängen möchte, das Ziel zu wählen welches er/sie ausgesucht hat. Dazu kommt dann de Preisersparnis: Reisen die im World Wide Web gebucht werden, sind immer günstiger als die im Reisebüro gebuchten. Zusätzlich gibt es dann obendrauf meist auch no0ch einem Bonus wie Urlaubsgeld oder einen Gutschein! Preiswert eine Reise buchen im WWW!

Preiswert eine Reise buchen – den richtigen Anbieter finden

Natürlich sollte beim Reise buchen im World Wide Web der richtige Anbieter gewählt werden. Denn hier gibt es doch den einen oder anderen Unterschied, vor allem bei den Preisen. Günstige Reisen findet der Urlauber zum Beispiel auf den Last Minute Urlaub spezialisierten Webseiten, auf denen immer ein Schnäppchen zu finden ist.

Online reise buchen

Eine weitere Möglichkeit ein richtiges Schnäppchen zu machen sind die Reisedeals von Travel24. Hier finden sich Restplätze und Last Minute Reisen zum absoluten Tiefpreis! Doch vergessen Sie bitte nicht – bei Restplätzen und Last Minute heißt es schnell handeln und buchen, ansonsten ist es möglich, dass Ihnen jemand anderes die preiswerte Traumreise vor der Nase wegschnappt!

Preiswert eine Reise buchen – bequem im World Wide Web

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Buchen Sie am besten heute noch eine preiswerte Reise im World Wide Web – denn hier können Sie nichts verkehrt machen! Preiswert eine Reise buchen – bequem im World Wide Web.

Simule o Valor do Seguro do seu Carro Agora – Smartia Seguros Online, simulador de seguro.

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Düsseldorf bewegt sich, düsseldorfer unternehmen.

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Unsere Aktion Düsseldorf bewegt sich

Düsseldorfer Unternehmen laufen bei Düsseldorf bewegt sich 6 Wochen lang für ein gemeinsames Schritteziel. Verschiedene Aktionen rund um die Challenge stärken den Teamgedanken und schaffen ein Gemeinschaftsgefühl in ganz Düsseldorf. Ganz egal ob wir regelmäßig joggen gehen, ab und zu einen Spaziergang einlegen oder einfach öfter mal die Treppe statt des Aufzugs nehmen – für uns zählt jeder Schritt!

Ziel der Aktion ist es, mehr Bewegung in unseren Alltag zu bringen, denn Bewegung ist ein wichtiger Bestandteil zur Stärkung der individuellen Gesundheit. Wenn Bewegung dann auch noch Spaß macht, dann verbinden wir das Notwendige mit dem Angenehmen.

Los geht es am 11.9.2017 mit einer Vorbereitungswoche im moove Gesundheitsportal. Ab dem 18.9. laufen wir dann 6 Wochen bis zum 29.10.2017 für unser gemeinsames Schritteziel.

42 Düsseldorfer Unternehmen sind Teil unserer Challenge. Erleben Sie die Teilnehmer der Challenge auf unserer Social Wall

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Die Mitglieder des Steering Boards von Düsseldorf bewegt sich

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SE MODIFICAN LOS PLAZOS DE RECLAMACION Y DE PRESCRIPCION DE LAS DEUDAS – Abogados Quevedo, reclamacion compañia de seguros.

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Reclamacion compañia de seguros

Según contempla el artículo 1961 del Código Civil, las acciones para reclamar el pago de las deudas tienen un vencimiento que es el establecido por la ley.

Una deuda prescribirá dentro de un plazo legal siempre y cuando el acreedor abandone la reclamación de la misma, por lo que si el acreedor es insistente, el pago de la deuda deberá realizarse. No obstante los plazos de prescripción se pueden interrumpir mediante reclamaciones judiciales o extrajudiciales (por ejemplo, mediante burofax con certificación de texto y acuse de recibo), o reconocimientos de la deuda expresos (firmado por el deudor, que reconoce su deuda) o tácito (por ejemplo, un pago parcial de la misma).

Para que una deuda prescriba, tienen que cumplirse por tanto algunos requisitos previamente:

  • Que el acreedor no haya ejercido ninguna acción extrajudicial o judicial como envío de cartas de forma fehaciente, requerimiento notariales, etc.
  • Que el deudor no haya reconocido, ni de forma expresa, ni tácita, la veracidad de la deuda reclamada.

Esto es importante para las empresas que tienen una lista de morosos, ya que deberemos que insistir en el intento de cobro de las deudas siempre por escrito, para que quede constancia y el deudor no pueda recurrir a este tipo de estrategias.


Según el Código civil, las deudas derivadas de un contrato personal que no tenían señalados términos especiales prescribían a los 15 años.

Se ha publicado lo anterior se ha publicado en el BOE con fecha de 6 de Octubre la Ley 42/2015, de 5 de octubre, de reforma de la Ley 1/2000, de 7 de enero, de Enjuiciamiento Civil, y entre sus cambios más significativos hay que destacar el que afecta al régimen de prescripción del Código Civil por el que se reduce de 15 a 5 años el plazo general establecido para la prescripción de las acciones personales.


Pero los plazos de prescripción varían según la naturaleza y origen de la deuda. A continuación destacamos las más habituales:

  • Deudas Hipotecarias:La prescripción según el artículo 1964 del código civil el plazo de prescripción de deudas hipotecarias se establece en 20 años desde la fecha de vencimiento que inicialmente tiene fijado el préstamo.
  • Deudas comerciales con otras empresas:prescriben a los 5 años (desde la nueva reforma LEC).
  • Deuda derivada de un préstamo: Respecto a los créditos, aunque su devolución se suela hacer mes a mes, se ha considerado por parte de la jurisprudencia que supone una deuda unitaria con pago aplazado, por lo que su plazo no sería el quinquenal, sino el general de 5 años (hasta la nueva reforma LEC).
  • Deudas de Tarjetas de Crédito:A pesar que los pagos anuales/mensuales tienen una prescripción de 5 años, esto no se aplica para las tarjetas de crédito, que tienen un plazo de prescripción de 15 años (desde la nueva reforma LEC ver período transitorio). La entidad tiene, ese plazo para reclamar la deuda y los intereses generados.
  • Deudas derivadas de dividendos o pagos que se convengan por motivos de utilidades o capital sobre la participación o acciones: el plazo será de 5 años computados desde el momento en que hubieron de cobrarse.
  • Deudas de alquiler tanto de rentas como de otras cantidades asimiladas:El pago de la deuda de arriendos de fincas urbanas tienen una prescripción de 5 años.
  • Deudas de suministros (electricidad, teléfono, gas, etc): Las deudas contraídas con empresas de suministros tienen una prescripción de 5 años, conforme al artículo 1966.3 del Código Civil. Sin embargo, la jurisprudencia no se pone de acuerdo en este caso, ya que se aplica en ocasiones el plazo de 3 años, establecido en el artículo 1967.3, según el cual establece los plazos para abonar a los comerciantes el precio de los géneros vendidos.
  • Deudas de abogados, procuradores, jueces, registradores o notarios: tres años.
  • Deudas con hospederos, en concepto de la comida consumida o habitación:tres años.

En cualquier caso, la prescripción de una deuda no es algo automático, ya que el deudor será el que tendrá que alegar tal prescripción a instancia de parte en el momento de la reclamación y demostrar el transcurso los plazos.

Respecto al cumplimiento de las sentencias judiciales, aclaramos respecto a lo ya comentado en este post, que la Ley de enjuiciamiento civil establece que “La acción ejecutiva fundada en sentencia, en resolución del tribunal o del secretario judicial que apruebe una transacción judicial o un acuerdo alcanzado en el proceso, en resolución arbitral o en acuerdo de mediación caducará si no se interpone la correspondiente demanda ejecutiva dentro de los cinco años siguientes a la firmeza de la sentencia o resolución.” Es decir, que si la deuda está reconocida por medio de Resolución judicial no habrá plazo de prescripción sino de caducidad, en este caso también de 5 años. No se despachará ejecución en ningún caso de las sentencias meramente declarativas ni de las constitutivas, que deberán hacerse valer por si mismas. No obstante, si la obligación de la que nace el derecho de pago surge de una sentencia, aunque no sea ejecutiva, el plazo para exigir el pago o el resarcimiento derivado de la misma será el propio de las acciones para reclamar la deuda en función de su naturaleza, según los ya comentados.

Significado de los Colores en los Negocios, ayudas para abrir un negocio.

#Ayudas #para #abrir #un #negocio

Significado de los Colores en los Negocios

Es sensato conocer el significado de los colores antes de pintar tu negocio, imprimir publicidad, desarrollar tu página web y en general antes de cualquier etapa de marketing. No es necesario que te hagas una carrera de diseño grafico con una especialidad en teoría del color, tan solo basta con que tengas una idea general pero clara de lo que cada uno transmite a las personas, así lograras dar una respuesta más certera cuando llegues a la pregunta ¿Qué color elegir para mi negocio? Veamos:

Ayudas para abrir un negocio

Colores. Imagen cortesía de kangshutters / FreeDigitalPhotos.net

¿Qué color elegir para mi negocio?

No quiero seguir viendo heladerías de color negro. Ni farmacias con paredes rojas cada vez que voy por una píldora para un dolor de cabeza. Si no quieres equivocarte en la elección del color para la imagen de tu negocio dale una leída rápida a los siguientes significados

Significado del color Rojo:

El rojo significa pasión, amor, deseo, energía y se asocia al riesgo. Es ideal para tiendas eróticas, Floristerías. El rojo por ser un color muy estimulante es usado también para anuncios de motos, carros, bebidas energéticas y deportes extremos. El rojo tiene una visibilidad muy alta. No lo uses donde quieras trasmitir tranquilidad por ejemplo en un negocio relacionado con la salud.

Significado del color Amarillo:

El amarillo se asocia con la alegría, la inteligencia y la felicidad. Por si solo el amarillo carece de fuerza (. Un dicho: “Quien de amarillo se viste, en su belleza confía”); suele combinarse con otros colores, por ejemplo con el rojo para asociarlo con negocios de comida. Evita el amarillo pálido, considera más bien el amarillo con tendencia al dorado combinándolo con el negro para un negocio sobre dinero u oro.

Significado del color Naranja:

Como de seguro todos sabemos el naranja es el resultado de la combinación del rojo y del amarillo, de aquí que contenga los significados de estos: Es estimulante y creativo sin llegar a ser erótico ni provocador, Contiene un máximo de alegría y felicidad. Apto para promocionar comida, o negocios de juguetes o diversión.

Significado del color Verde:

El verde se asocia con la naturaleza, en una tonalidad suave resulta un muy relajante y tranquilo, Si tu negocio se relaciona con lo ecológico el verde será el ideal. Úsalo también en tiendas naturistas. Un verde en un tono más oscuro se relaciona con el dinero.

Significado del color Azul:

El azul en una tonalidad media o clara se asocia con la salud, la santidad, y la serenidad. Se puede usar en negocios como farmacias, spas, artículos religiosos. Un Azul oscuro es muy recurrente en negocios financieros por que transmite confianza, responsabilidad, solidez y credibilidad; puede usarse también en negocio de productos tecnológicos. Combinado con el negro puede dar imagen de exclusividad.

Significado del color Blanco:

El blanco significa pureza, bondad, limpieza, higiene, simplicidad. Los negocios relacionados con la salud suele adoptar el blanco, igualmente usarlo en productos religiosos estaría bien. Por ser el blanco un color que trasmite minimalismo, simplicidad y perfección puede usarse en productos de tecnología.

Significado del color Negro:

El negro se asocia con la elegancia, la seriedad, y el misterio. Es un buen color para dar la imagen de exclusividad y calidad. Lo puedes usar por ejemplo en negocios de tecnología o de ropa exclusiva. Recuerda que el negro se asocia con la muerte y la seriedad de aquí que ten mucho cuidado en no usarlo en negocios de comida o cuando quieras transmitir alegría. Si quieres montar una funeraria tal para cual.

Conclusiones y otros aspectos importantes sobre el color

Una buena elección de color aumenta la recordación de tu negocio en la mente de las personas. De aquí que elige un color acorde, para fortalecer la imagen debe estar asociado por mucho tiempo a ese negocio; no lo cambies a cada rato.

Los consumidores se enfocan también en el color del producto de aquí que no te enfoques solo en las tonalidades de tu negocio, sino también en los productos que comercializas. Notaras que el mismo producto se vende más en ciertos colores que en otros.

A menos que tu negocio sea vender arcoíris, No uses todos los colores en la imagen corporativa de tu negocio. Puedes hacer un buen uso de varias tonalidades de uno solo, pero no uses más de dos colores.

Cada género con su color. Si vendes productos para hombres recuerda que el color comúnmente aceptado para los caballeros es el azul, no te compraran un reloj rosado por bueno que sea. Las mujeres pueden ser más flexibles con los colores, pero por lo regular se identifican con los que las hacen sentir femeninas, delicadas, seductoras, misteriosas o elegantes pero no aburridas o infantiles.

Si tu negocio se orienta a las masas o tiene un enfoque popular se te permite los colores vivos, recuerda que los anuncios en color son más leídos que los anuncios en blanco y negro.

Por otra parte si tu nicho de mercado son los altos ejecutivos, personas con un alto nivel adquisitivo que gustan de productos exclusivos usa Las tonalidades del negro.

Aunque hemos abordado el significado de los colores y como elegir el mejor para tu negocio, estos no deben ser camisas de fuerza. Experimenta con las diferentes tonalidades. Se creativo sin llegar a ser extravagante y lograras la singularidad que tu negocio necesita para marcarse unos puntos extras desde el marketing.

Apoyos para negocios, apoyos para negocios.

#Apoyos #para #negocios


Apoyos para negocios

Un fideicomiso es un tipo de contrato en virtud del cual una persona, denominada fideicomitente o fiduciante, transmite bienes, dinero o derechos, tanto presentes como futuros, de su propiedad a otra persona llamada fiduciaria, con el objeto que éste administre o invierta los bienes en beneficio propio o de un tercero, llamado fideicomisario.

Lo importante de un fideicomiso es que al momento de su creación, ninguna de las partes es propietaria del bien fideicomitido.

Integrantes de un fideicomiso; como ya mencionamos, un fideicomiso se encuentra formado por tres partes:

  1. Fideicomitente: es la parte que transfiere a otra, bienes determinados. Debe poseer el dominio pleno de estos bienes.
  2. Fiduciario: es la parte a quién se transfieren los bienes, y se encuentra obligada a administrarlos. Puede ser cualquier persona física o jurídica.
  3. Beneficiario: es la parte en cuyo beneficio se ha instituido el fideicomiso, sin ser, obligatoriamente, el destinatario final de los bienes. Cabe la posibilidad de ser una o varias personas físicas o jurídicas
  4. Fideicomisario: es la parte destinataria de los bienes. Frecuentemente, tanto el beneficiario como el fideicomisario son una misma persona.
  • Traslativo de dominio
  • De garantía
  • De administración o de inversión
  • Testamentario
  • De seguros
  • Inmobiliario
  • De administración con control judicial

Ventajas de Constituir un Fideicomiso:

  • El fiduciario estará limitado en sus atribuciones, deberá rendir cuentas sobre sus actos y la administración del fideicomiso.
  • Reduce los riesgos de los negocios constituyendo un patrimonio distinto al del fiduciante, fiduciario y al de los beneficiarios, aislando los activos transferidos fiduciariamente, contra reclamos de los terceros personales de cada integrante.
  • Posibilita el desarrollo de emprendimientos más allá de las posibilidades de sus participantes.
  • Otorga transparencia en el manejo de fondos.

En este caso, primero, el fiduciante cede los activos al fiduciario por medio de un contrato de fideicomiso financiero. Luego, el fiduciario emite certificados de participación respaldados por los mismos activos fideicomitidos. Estos valores deben ser colocados a oferta pública o privada.

Aquellos inversores que adquieran estos títulos se transformarán en los beneficiarios del fideicomiso. Finalmente, el producto de la colocación retorna al Fiduciante.

Fideicomiso Testamentario:

El fideicomiso testamentario se trata de un tipo de confianza, iniciado con el fin de que le sirva a los menores de edad o niños de corta edad adulta para el momento en que su/s padre/s falleciera/n pudiera distribuir los fondos grandes, tipo seguros de vida, a sus hijos.

Dicho fideicomiso testamentario es creado tras producirse el fallecimiento de ambos padres, nombrando a un administrador a cargo que deberá cuidar los fondos que estén en el fideicomiso, cuando expire la confianza, o finalizada la universidad y/o cumplidos los 25 años de edad. En cuanto al costo inicial que implica crear un fideicomiso testamentario no es demasiado costoso.

Este tipo de fideicomiso testamentario tiene como único fin proteger a sus hijos menores de edad o en todo caso por un pariente con discapacidad siendo los herederos de importante cantidad de dinero tras el fallecimiento.

Tomando en cuenta la cantidad de años que el mandatario deberá estar al frente del fideicomiso testamentario, sea él o ella deberá concurrir a la corte testamentaria y obtener el visto bueno diaria de los tribunales.

La contra de este tipo de fideicomisos testamentarios tienen al final un alto coste por los honorarios legales y por asesoramiento, respecto a los testamentos en vida revocables.

Workers Compensation Attorney in MN, minnesota workers compensation attorney.

#Minnesota #workers #compensation #attorney

Minnesota Workers’ Compensation

Minnesota workers compensation attorney

Check Out Our New Blog Site for Injured Police Officers Firefighters

In Minnesota, almost all workers are entitled to workers compensation benefits in the event that they are hurt at work. If you are a Minnesota worker, and you sustain an injury that arises out of, and in the course and scope of your employment, you may be entitled to a variety of benefits, including:

  • Temporary total disability
  • Temporary partial disability
  • Permanent total disability
  • Permanent partial disability
  • Rehabilitation and retraining benefits
  • Medical expense benefits

Every case is unique, and often involves different types of benefits. Depending on the nature of your injury and how and where it occurred, you may also have a personal injury or civil claim. If you are a police officer, firefighter, corrections officer or other state, county, or city employee, you may also be entitled to PERA or MSRS disability benefits in addition to your benefits under workers compensation.

The attorneys at Meuser Law Office are well versed in the complexities of each of these distinct areas of law and understand how they interrelate to ensure that you receive every benefit and all the compensation to which you are entitled.

We Will Protect Your Best Interests And Won t Leave Money on the Table

Even in cases where your employer and their workers compensation insurance company initially admit primary liability, or acknowledge responsibility for your injury, a dispute can arise regarding your entitlement to medical care, wage loss benefits, rehabilitation benefits, or permanency benefits at any point in time. Unfortunately, in the vast majority of cases, it s not a matter of if a dispute will arise; it s a matter of when a dispute will arise. Having a skilled Minnesota workers compensation attorney on your side before a dispute comes up can help you avoid making mistakes on your case and ensure that you obtain all that you are entitled to under the law. At Meuser Law Office, we encourage you to contact us before a problem comes up. We will monitor your case to make sure your benefits are being paid correctly, help you navigate the complex workers compensation system, and be prepared to immediately jump in if and when a dispute develops.

The Minnesota workers compensation system is a specialized, complex area of law. Attempting to navigate the system on your own if there s a dispute on your case, or hiring a general practice lawyer that doesn t regularly handle workers compensation cases, can cost you significant sums of money and/or important future benefits to which you may otherwise be entitled. Our experienced attorneys will guide you through the litigation process and help you obtain the best possible result on your workers compensation claim.

When we meet with new clients, they are often surprised to learn that they have been underpaid benefits, that the insurer has simply failed to pay certain benefits, or that they have been given incorrect advice. Don t rely on the insurance company to give you legal advice, to educate you about your rights, or to act in your best interest. We can help you get all of the Minnesota workers compensation benefits you are entitled to. We can also help you explore your options, such as settling your case or filing a claim for additional benefits.

The workers compensation insurance company has a lawyer. At every turn, they will be looking for ways to minimize the amount of benefits they have to pay you. You can help level the playing field and protect your rights by having a skilled Minnesota workers compensation attorney from Meuser Law Office on your side.

To schedule a free, no-obligation consultation with one of our experienced workers compensation attorneys, call us at 877-746-5680 or complete the contact form on this page.

Capri: orari traghetti e aliscafi – Prenota online, napoli hotel b&b.

#Napoli #hotel #b&b

Orari dei traghetti e aliscafi Capri

Qui trovi tutti gli orari dei traghetti e degli aliscafi da e verso Capri. Seleziona la tratta che ti interessa per conoscere orari e prezzi. Tratte e orari sono aggiornati in tempo reale e fanno riferimento alla settimana in corso.

Da giugno a settembre ti suggeriamo di prenotare online vista la notevole affluenza sull’isola!

Questa tratta è attiva solo da maggio a fine ottobre.

Appena le compagnie di navigazione comunicheranno gli orari per la nuova stagione, li pubblicheremo.

Ritorna a trovarci!

Scarica gli orari in PDF


  • Gli orari cambiano spesso: quelli che trovate in questa pagina si riferiscono alla settimana in corso. Controlla pochi giorni prima della partenza.
  • In caso di mare molto mosso: prima di mettersi in viaggio conviene fare una telefonata alle compagnie di navigazione (vedi numeri a lato) o all’ufficio informazioni di Capri (+39 081 8370686) per conoscere eventuali variazioni e soppressioni. Trovi tutti gli aggiornamenti delle compagnie di navigazione anche sul sito NaplesBayFerry
  • Non è necessario prenotare o acquistare in anticipo il biglietto. Consigliamo di farlo durante i weekend festivi e nei mesi di luglio e agosto, soprattutto in caso di ritorno da Capri il pomeriggio. È possibile acquistare in anticipo i biglietti attraverso il nostro partner TraghettiLines.

Scarica le nostre App:

Napoli: Molo Beverello e Calata Porta di Massa

A Napoli ci sono due punti di imbarco per Capri collegati da uno shuttle gratuito: Molo Beverello da cui partono gli aliscafi, e Calata Porta di Massa da cui partono le navi veloci e i traghetti. Gli orari variano notevolmente tra estate e inverno: d’estate le corse sono più frequenti e vengono aggiunte nuove tratte come da e per Positano, Ischia e Salerno. Tratte e orari sono aggiornati in tempo reale e si riferiscono alla settimana in corso.

Perché non resti una notte a Capri?

Informazioni utili su aliscafi e traghetti per Capri


Gli orari variano notevolmente tra estate e inverno: l’orario estivo è in genere in vigore da dopo Pasqua ai primi giorni di novembre. A volte è possibile che gli orari vengano modificati anche all’interno della stessa stagione: ti suggeriamo quindi di controllare l’orario pochi giorni prima della partenza.

Quanto dura la traversata Capri – Napoli?

  • Traghetto: 80 minuti
  • Nave veloce: 60 minuti
  • Aliscafo-Catamarano: 50 minuti


Le tratte per la Costiera Amalfitana, Ischia e Salerno vengono in genere attivate da metà aprile fino a fine ottobre.


I prezzi si riferiscono alla singola tratta per sola andata

Riduzioni per bambini:

Supplemento bagaglio:

È previsto un supplemento di circa 2 euro per ogni bagaglio.


In genere non è necessario prenotare in anticipo il biglietto, è sufficiente arrivare al porto qualche minuto prima della partenza e acquistare il biglietto al botteghino. È possibile acquistare in anticipo i biglietti attraverso il nostro partner TraghettiLines. Una volta acquistato online il voucher è necessario comunque presentarsi alla biglietteria per acquistare il titolo di viaggio. È inoltre possibile acquistare i biglietti in anticipo anche direttamente al porto. Nei mesi di luglio e agosto e durante i weekend di festa è meglio procurarsi in anticipo il biglietto.

Dove si imbarca da Napoli per Capri

A Napoli ci sono due moli d’imabrco: Calata di Massa, da dove partono i traghetti e le navi veloci, e il Molo Beverello, da dove partono gli aliscafi. I due moli sono distanti poco meno di un chilometro tra loro. L’autobus che parte dall’aeroporto (Alibus) ferma ad entrambi i moli. Il porto a cui attraccano le navi da crociera si trova adiacente al Molo Beverello.

Imbarcare l’auto per Capri

Auto e veicoli commerciali possono imbarcarsi a Calata di Massa: lo sbarco di auto e altri veicoli a motore dei non residenti sull’isola è possibile solo dai primi di novembre a Pasqua ed è vietato per tutto il resto dell’anno.

In caso di mare mosso

Se c’è mare grosso le corse possono essere sospese: gli aliscafi sono i primi ad essere sospesi, mentre navi veloci e traghetti vengono sospesi solo in caso di mare estremamente agitato. Da aprile a fine ottobre è estremamente raro che le corse vengano sospese del tutto. Per informazioni in tempo reale si può telefonare alle compagnie di navigazioni o all’ufficio informazioni di Capri. (+39 081 8370686)

Se soffri il mal di mare ti consigliamo di prendere la nave veloce o il traghetto, anziché l’aliscafo. Tra gli aliscafi tieni inoltre presente che i mezzi monocarena tengono il mare molto meglio dei cosidetti “catamari” (con due carene e il vuoto sotto). Nelle giornate di mare mosso sconsigliamo a tutti di prendere il catamarano per la tratta Napoli – Capri e viceversa. Può essere un’esperienza molto spiacevole.

Info utili per disabili

Secondo la legge tutti gli aliscafi, le navi e i traghetti delle compagnie di navigazione dovrebbero essere accessibili ai diversamente abili. In ogni caso ti consigliamo di contattare preventivamente la compagnia di navigazione per assicurarti che l’imbarcazione sia accessibile e per richiedere assistenza durante le procedure di imbarco e sbarco.

Industria alimentare, ecco chi sono i padroni del cibo, top 500 aziende italiane.

#Top #500 #aziende #italiane

Repubblica Alimentazione

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Industria alimentare, ecco chi sono i padroni del cibo

Sono dieci i signori che controllano da soli più del 70 per cento dei piatti del pianeta. Queste multinazionali gestiscono 500 marchi che entrano nelle nostre case quotidianamente. Così pasta, biscotti e caffè diventano globali, anche in Italia. E le grandi questioni, come luso di oli e grassi nei prodotti, vengono decise a tavolino

A rendere chiaro il quadro cè il paradosso del ricco Epulone, il protagonista della parabola evangelica. Mentre sono 900 milioni le persone che soffrono la fame (dati Onu settembre 2014) e che vivono sotto la tavola del banchetto sperando nelle briciole, sono 1,4 miliardi gli uomini e le donne che nel mondo hanno il problema del sovrappeso. "Sono due prodotti dello stesso sistema — osserva Barbieri — perché l80 per cento di coloro che non riescono a sfamarsi vivono nelle campagne e lavorano per produrre cibo". Oxfam è unorganizzazione che si propone di aiutare le popolazioni povere del mondo cercando di redere virtuosi, con campagne e raccolte di firme, i comportamenti delle multinazionali del cibo. Il sistema è quello di fare pressione sullimmagine dei gruppi alimentari in Occidente per spingerli a migliorare le politiche sociali nei paesi produttori. È accaduto con Nestlé, Mondelez e Mars per quel che riguarda i diritti delle donne che lavorano nelle piantagioni di cacao. Si chiede che accada con Coca Cola e Pepsi per evitare il fenomeno del land grabbing, lesproprio forzoso delle terre dove si coltiva la canna da zucchero. "Già oggi — spiega Oxfam — sono coltivati a zucchero 31 milioni di ettari di terra, lequivalente della superficie dellItalia".

( 19 dicembre 2014 ) © Riproduzione riservata

Comprar Material Construccion, Catálogo de Material Construccion en SoloStocks, materiales de construccion al mayor.

#Materiales #de #construccion #al #mayor

Comprar Material Construccion al por mayor | Precios y ofertas de Material Construccion

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Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Materiales de construccion al mayor

Annunci immobiliari a Tirano, cerca Annunci immobiliari a Tirano, casa da privato.

#Casa #da #privato

Attico in vendita

Tirano – vendita appartamento tirano centro, ultimo piano, appartamento di 115 mq commerciali.

Attico in vendita

Classe energetica non definita. Tirano centro, appartamento al sesto ed ultimo piano, con 3 camere.

Casa indipendente in vendita

Madonna di Tirano: casa indipendente in ottima posizione vicina alla Piazza della Basilica, la.

Bilocale in vendita

Tirano – vendita appartamento in comune di tirano, ad un passo dal confine con la svizzera.

Quadrilocale in vendita

Classe energetica non definita. Ampio appartamento per famiglie desiderose di ampi spazi composto.

Bilocale in vendita

Tirano – vendita appartamento in comune di tirano, ad un passo dal confine con la svizzera.

Quadrilocale in vendita

Classe energetica non definita. Centralissimo. piano alto con vista su tutta tirano, ampio.

Appartamento in vendita

Tirano – vendita attico / mansarda tirano centro, appartamento al sesto ed ultimo piano, con 3.

5 locali in vendita

Classe energetica non definita. APPARTAMENTO/UFFICIO IN CENTRO Tirano centro, Viale Italia.

Appartamento in vendita

Tirano – vendita attico / mansarda tirano centro, appartamento al sesto ed ultimo piano, con 3.

Free SMS schreiben, SMS kostenlos versenden – Beste Anbieter, website anbieter vergleich.

#Website #anbieter #vergleich

Website anbieter vergleich

AffenSMS.de bietet dir diese gratis Mцglichkeit mit 146 Zeichen. Zudem findest du hier eine stдndig aktuelle Free-SMS Liste, in welcher weitere Anbieter zum Free SMS Versenden gelistet sind, falls der Versand mal nicht klappen sollte. Fьr besonders wichtig halten wir den Nutzwert dieser Website und so sind wir einer stetigen Kontrolle sehr bemьht. Wir nehmen KEINE schwarzen Schafe in unser Verzeichnis auf und fьhren regelmдЯig Kontrollen durch. Falls ihr doch mal eine nicht funktionierende Seite zum Frei SMS Versenden findet, bitten wir Dich das ьber die Kommentar-Funktion zu melden.

AffenSMS.de bietet Free SMS schreiben und ist dein zentrales Portal , wenn es um Free SMS verschicken geht! Viel SpaЯ beim Free SMS schreiben!

Tipp: Halte die Maus ьber einen Link, um ein Vorschaubild zu sehen.

Genug SMS vorhanden

Noch wenige SMS vorhanden

Keine SMS mehr vorhanden

-Status-Anzeige erfolgt in Echtzeit-

Ganz einfach, jeder Free-SMS Anbieter, den wir in unserer Liste aufnehmen, stellt auf der betroffenen Website eine spezielle Technik bereit, mit der es uns mцglich ist, den momentanen Status live auszulesen. So werden alle Webseiten, auf denen momentan FreeSMS verfьgbar sind mit einem grьnen Symbol gekennzeichnet.

Begriff: SMS

Die erste SMS wurde am am 3. Dezember 1992 -etwa 1 Jahr nach Einfьhrung des GSM-Netzes- von Vodafone im eigenen Netz versendet. Durch die hohe Akzeptanz hat sich die SMS rasend schnell globalisiert und im Zuge des Neologismus haben sich Begriffe wie “Simsen” “Esemesen” etc. schnell als Umgangssprache eingebьrgert.

SMS wurden anfangs zum kostenlosen Versenden angeboten. Aufgrund des hohen wirtschaftlichen Potentials wurden sie jedoch schnell als Kapitalquelle missbraucht und stattliche Preise angeschlagen. Heute kostet eine SMS durchschnittlich 10-20 Cent.

Da das Datenaufkommen fьr die Netzbetreiber jedoch relativ gering ist und die Preise dafьr unserer Meinung nach ьberzogen sind, wollen wir mit dieser Seite einen Service anbieten, um unseren Besuchern es zu ermцglichen, weiterhin SMS kostenlos zu verschicken.

Cómo abrir un negocio de reciclaje, un negocio rentable.

#Un #negocio #rentable

Cómo abrir un negocio de reciclaje

Cada vez más la cuestión de la sostenibilidad está presente en nuestra sociedad. Pues poco a poco, la gente está tomando consciencia y preocupándose por el destino de los residuos y de la basura. Aumentando de esta manera, las oportunidades para trabajar en este sector.

Así que, pensando en esto, a continuación le dejamos un paso a paso de cómo montar un negocio de reciclaje, para que así pueda convertir este gran problema, en una bendición financiera, siga leyendo.

Un negocio rentable

Cómo iniciar una empresa de reciclaje

Materia prima

La decisión más importante que debe tomarse antes de montar un negocio de reciclaje, es la elección de la materia prima a manipular. Los papeles, neumáticos, botellas de plástico y de plástico rígido son las principales opciones.

Ubicación para un negocio de reciclaje

Un negocio de reciclaje debe estar ubicado en una zona de fácil acceso, preferentemente cerca de los recolectores que entregan la materia prima a reciclar. Así que, posicionese cerca de los recolectores que llevan la materia prima para su reciclaje, pues caso contrario, generaría un costo para ellos.

Equipos y maquinas en un negocio de reciclaje

Los equipos básicos son:

  • Máquinas para el reciclaje (variará de acuerdo con el producto a ser reciclado).
  • Camión de transporte.
  • Muebles de oficina y electrodomésticos (computadoras, máquinas de fax, teléfonos, escritorios, etc.).

Los empleados y los recolectores de basura para un negocio de reciclaje

En este tipo de negocio, uno de los factores más importantes serán los empleados y socios permanentes que su empresa tendrá que tener para poder desarrollar un trabajo eficiente y de manera constante. Entre los empleados permanentes, necesitará tener a profesionales responsables en separación de residuos, manejo de maquinaria, y almacenamiento.

Algunas personas de su ciudad pueden tomar la iniciativa y llevar sus productos para que puedan ser reutilizados, pero como en la mayoría de los casos, estos productos estarán esparcidos por toda la ciudad o en los vertederos tradicionales, por lo que una gran alternativa es asociarse con los recolectores ambulantes. De esta manera, ellos llevan los productos a reciclar a su empresa, ganando así una cierta cantidad por cada kilogramo entregado.


El siguiente paso es investigar sobre cómo organizar el proceso de producción de su negocio, que también depende de la materia prima a reciclar; y desarrollar un plan de acción.

A continuación, es importante planificar la automatización de estos procesos. Un software le ayudará a controlar los factores como: PPCP (Planificación, Programación y control de Producción); gestión de inventario; control de documentos, registros y normas; la facturación y la proyección de costos; la formación del precio de venta; rentabilidad por orden o pedido; rentabilidad mensual; estadísticas de ventas; cuentas por cobrar y por pagar; nómina de sueldos, etc.

¿Cómo vender los productos reciclados en su negocio?

Una de las dudas más comunes que muchos tienen en el proceso de montaje de un negocio de reciclaje es con relación a la venta de materiales listos para su reutilización.

En cualquier caso, hay dos maneras de hacer uso de materiales reciclados:

  • El primero es comprar el equipo adecuado y empezar a trabajar en la fabricación de productos utilizando materiales reciclados.
  • La segunda opción es la búsqueda de fábricas específicas que quieran asociarse con usted para comprar y reutilizar esa materia prima.

Yo creo que la mejor opción es realmente vender a otras empresas específicas en la industria, por lo que se reduce ligeramente a su carga de trabajo. La mayoría de estos productos se utilizarán para la fabricación de botellas, bolsas, tuberías de fontanería, equipos, muebles y más, por lo que hay muchas fábricas que por lo general compran material reciclado, así que no tendrá dificultades con respecto a la comercialización!

Garys Insurance Agency is a low cost car insurance company in Newark, NJ servicing Newark, Linden, East Orange, Elizabeth, Paterson, Irvington, Belleville, nj cheap auto insurance.

#Nj #cheap #auto #insurance

Low Cost Auto Insurance in Newark NJ

New Jersey law requires all drivers to carry auto insurance and finding cheap car insurance in NJ can be a difficult task. At Gary s Insurance Agency, located in the heart of Newark, we help drivers obtain the NJ car insurance coverage they need at a rate they can afford. We can insure drivers for less that might be expected because of a vast variety of policy options and coverage levels we offer. We even offer coverage for drivers who don t have a credit history (No credit checks) and we offer ID s on the spot with a low down payment option.

Contact Gary s Insurance Agency Today for a FREE Quote at:

1 Bloomfield Ave.

Newark, NJ 07104

Hours: Open Weekdays 9 am 6 pm Sat. 9 am 3 pm

Payment Accepted: Cash, Check, MasterCard, Traveler s Check, Visa

Insuring drivers with cheap car insurance in Newark

Gary s Insurance Agency of Newark makes obtaining cheap car insurance in Newark easy. NJ drivers can contact us for an on-the-spot insurance quote by calling (973) 483-3500 or filling out our online quote form if you live anywhere in New Jersey. You can also visit one of our agents in person at our conveniently located Newark office. We make it simple for you to find the right policy and the right NJ auto insurance coverage at the right price.

Saving money on New Jersey auto insurance

Gary s NJ car insurance discounts range from owning multi-vehicles to not having an accident. There are alot of different factors that effect your policy rate. Our skilled insurance agents will help design the right policy for you, making sure that you receive every discount that you are eligible for.

Call us today to compare our rates.

Protect your investment with the RIGHT NJ car insurance policy

How much do you actually know about NJ auto insurance? A lot of people can always use more knowledge about car insurance because it s a subject that affects us all. This article is going to provide you with some useful tips that can assist all types of people on getting insurance coverage.

Not many people know that taking a driver s ed course can save them on their insurance. This is usually because most people who take driver s ed do so out of a court mandate. Often times however, even someone who has not been mandated to take driver s ed can take it, call their insurance company with the certification, and receive a discount on their policy.

Another overlooked way to save money on your car insurance is to stick with the same company for an extended period of time. Most insurance companies offer reduced rates to long-term customers which can add up to big savings over time. So, whatever insurance agency you choose, stick with them and watch your premiums go down.

Consider using liability coverage when shopping for automobile insurance. This is the lowest available coverage options required by law, and it is also the cheapest option. If you do not have a car that is worth a lot of money, this option may work for you. If you have an accident, your car will not be covered.

Raise your deductible to save money on your premium. This is a risky move, but if you want to save money each month and have the willpower to put money away to pay a deductible if you are in an accident, it is a great way to save money Your insurance rate will go down the higher your deductible is.

With all the knowledge you are now armed with, you should have a greater insight about car insurance. What s essential about insurance is to always gain more knowledge about the subject, that way you can make well informed decisions. So use these tips and you should be making the right decisions on the type of auto insurance coverage in NJ you need.

Looking for cheap Auto Insurance in Newark NJ? Gary s Insurance Agency of Newark has low cost auto insurance rates. NJ PAIP Insurance for High Risk Drivers in NJ with Car Insurance in East Orange, Irvington, Linden, Belleville, Carlstadt, Newark, Perth Amboy, Piscataway, Elizabeth, Jersey City, New Jersey. Specializing on insurance in Union, Hudson, Middlesex, Essex, Warren, Bergen, Somerset county plus all New Jersey counties.

Almacenes papelería original dónde comprar al por mayor, material de papeleria al por mayor.

#Material #de #papeleria #al #por #mayor

Papeleria Hay 12 productos.

Material de papeleria al por mayor

LIBRETA MARIPOSAS RETRO Libreta estampado original de tapa dura con cierre elástico. Se sirven en 3 diseños surtidos. Medidas: 9cm x 14,2cm En el interior contiene 100 hojas (Precio unitario)

Material de papeleria al por mayor


LIBRETA NOTAS MARIPOSAS Bloc de nota con bolígrafo. En el interior contiene 80 hojas, cada hoja va estampada con un bonito diseño floral. Se sirven en 3 diseños surtidos. Medidas: 8,7cm x 11,7cm (Precio unitario)

Material de papeleria al por mayor


LIBRETA IMÁN Y LÁPIZ Libreta con imán, perfecta para colocar en el frigorífico con las notas del día a día. En el interior contiene 80 hojas, cada hoja va estampada con un bonito diseño floral. Se sirven en 3 diseños surtidos. Medidas: 9,8cm x 20cm (Precio unitario)

Material de papeleria al por mayor


LIBRETA MARRÓN KRAFT Libreta color kraft men con decoración en relieve más bolsillo interior. Se sirve surtida en 6 diseños surtidos. El interior contiene 65 hojas. Medidas: 10,3cm x 14cm Expositor completo: 12unidades (Precio unitario)

Material de papeleria al por mayor


LIBRETA KRAFT RECETAS Siéntete como en verdadero Chef con estas divertidas libretas para notar tus recetas estrellas. Contiene un bolsillo en el interior. Medidas: 10,3cm x 14cm Expositor completo: 12unidades (Precio unitario)

Material de papeleria al por mayor


LIBRETA RECETAS KRAFT Original libreta recetas en forma de delantal. El interior contiene 65 hojas lisas. Medidas:10,3cm x 14cm

Material de papeleria al por mayor


LIBRETA NOTAS PAISES Libreta con anillas diseño travel. Se sirven surtidas en 4 diseños.

Material de papeleria al por mayor


LIBRETA DE MANO PVC Estas libretas de mano, van presentadas dentro de un funda de PVC ideal para meter en el bolso y resistir como el primer día. El interior de las hojas tienen un bonito diseño travel. Inlcuye bolígrafo. Se sirven surtidas en 4 diseños. Medidas: 10cm x 13,5cm x 1cm

Material de papeleria al por mayor


BLOC DE NOTAS BUTTERFLY Bloc de nota estampados variados, desde mariposas, libélulas, pajaritos, flores, etc.. Precioso interior estampado. Cierre imantado. Se sirve surtida en 12 modelos surtidos. Medidas: 7,2cm x 9,8cm

Material de papeleria al por mayor


LIBRETA BIGOTES Diseños de bigotes para los amantes de la moda hipster Se sirven surtidos en 4 modelos. Incluye bolígrafo. Medidas: 10cm x 13,5cm x 1cm

Material de papeleria al por mayor


LIBRETA BARBIE Contiene 60 hojas con cuadros. (Precio unitario) Expositor completo; 12 unidades.

Material de papeleria al por mayor


LIBRETA PVC CITY Medidas: 10 x 13,5 x 1cm Contiene 56hojas.

Raleigh Personal Injury Attorney

#raleigh #personal #injury #attorney


Raleigh Personal Injury Attorney

You’re stopped at an intersection, waiting for the light to turn green. You look in the rearview mirror and see a car approaching behind you. They aren’t slowing down. In one instant, your whole life can change.

Now you are too injured to go to work. You have bills to pay. On top of that, you owe the hospital, the ambulance company, and the doctors. The insurance company isn’t giving you any answers. They tell you they’re still investigating the claim, that you’ll have to wait. That answer doesn’t work when your rent or mortgage payments are due, you want to keep your car from being repossessed, or you want to keep the lights on in your home. You didn’t cause this accident, so why are you being punished for it?

At the Soto Law Firm, we understand what it is you’re going through and we are here to help. We know that this is a hectic and confusing time for you. You probably haven’t had to deal with something like this before and you don’t know what to do or where to turn. We have answers. We’ve dealt with the insurance adjusters. We know what happens next and can help you get through this trying time. We help clients get back on their feet and put their lives back together.

If you have questions about your car accident or other personal injury, contact the Soto Law Firm today to speak with an attorney.

Tap if you are on mobile.

Understanding Your Insurance Deductible

#what #is #deductible #in #auto #insurance


Understanding Your Insurance Deductible

Understanding the role deductibles play when insuring a car or a home is an important part of getting the most out of your insurance policy.

A deductible is basically the amount “deducted” from an insured loss. Deductibles have been an essential part of the insurance contract for many years and represent a sharing of the risk between the insurance company and the policyholder. When repairing your home or replacing personal possessions, the amount of the deductible would come out of your own pocket.

A deductible can be either a specific dollar amount or a percentage of the total amount of insurance on a policy. Generally speaking, the larger the deductible, the less a consumer pays in premiums for an insurance policy. Deductible amounts can be found on the declarations (or front) page of standard homeowners and auto insurance policies.

Here is how it works: if you have a $500 “dollar deductible,” that $500 would be deducted from your claim. So, if your insurance company has determined that you have an insured loss worth $10,000 you would receive a claims check for $9,500.

Percentage deductibles are calculated differently. They are based on a percentage of the home’s insured value. So if your house is insured for $100,000 and your insurance policy has a 2 percent deductible, $2,000 would be deducted from the amount you are reimbursed on a claim. In the event of the $10,000 insurance loss, you would be paid $8,000.

Deductibles in many parts of the country have been going up. In hurricane prone states, where there is a greater risk of a major catastrophe, special deductibles may apply for homeowners insurance claims when the cause of damage is attributable to a hurricane. These deductibles are generally higher and may take the form of a percentage of the policy limits.

Deductibles for property damage work differently than, for example, a typical health insurance policy where there a single annual deductible for the policy. With an auto or homeowners insurance policy, the deductible applies each time you file a claim. The one major exception to this is in Florida, where hurricane deductibles specifically are applied per season rather than for each storm.

Hurricane deductibles have helped to make more private insurance coverage available in coastal communities at a lower price. This means more choice for consumers. So, consumers who reside in states where competitive markets exist can often shop around for coverage and usually find that they have a selection of insurance policies to pick from that offer a variety of different premiums, coverages and deductibles.

Here are some other important things to know about deductibles:

Raising Your Deductible Can Save Money

One of the best ways to save money on a homeowners or auto insurance policy is to raise the deductible. For example, for auto insurance, increasing the dollar deductible from $200 to $500 can reduce collision and comprehensive coverage premium costs by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. But, remember that if you have a loss, this amount will be deducted from your insurance claim and that you will be responsible for the difference.

Deductibles Differ by Company and by State

Insurance is state regulated. And insurance companies must follow strict state laws. This also applies to the way deductibles are incorporated into the language of a policy, and how they are implemented. In many states a range of deductibles can be found. So if you are shopping for insurance, you should always ask about deductibles when comparing policies. For homeowners or renters insurance policies, most insurers offer a minimum $500 dollar deductible. However, raising the deductible to $1,000 or more can save upwards of 20 percent on the cost of an insurance policy.

Deductibles Do Not Apply to Liability Claims

There are generally no deductibles for the liability portion of a homeowners or auto insurance policy. Instead, the deductibles apply to property damage. So, on in an auto policy, there is a deductible for the optional comprehensive or collision coverage, but not for the liability portion. And, in a homeowners policy, deductibles apply to damage to the structure of the house or personal possessions but not if a homeowner is sued or a medical claim is made by someone injured in the home.

Flood Insurance Offers a Range of Deductibles

Flooding is not covered by standard homeowners insurance policies but is available from the National Flood Insurance Program (NFIP) and from some private insurance companies. The NFIP offers separate policies for the structure of your home and for your personal possessions, along with a variety of deductibles. You can choose one deductible for the structure and another for the contents of your home. Mortgage companies, however, may require that your deductible be under a certain amount. Flood damage to a car is covered by the optional comprehensive portion of an auto insurance policy.

Percen tage Deductibles Apply to Earthquakes, Hurricanes and Hail

  • Earthquakes: Deductibles for earthquake coverage can range anywhere from 2 percent to 20 percent of the replacement value of the structure. Insurers in states like Washington, Nevada and Utah, with higher than average risk of earthquakes, often set minimum deductibles at around 10 percent. In most cases, consumers can get higher deductibles to save money on earthquake premiums.California residents also can purchase earthquake insurance through the California Earthquake Authority (CEA). The standard CEA policy includes a deductible that is 15 percent of the replacement cost of the home. The basic policy covers only the house (other structures such as garages, pools, etc. are not covered). Personal possessions are covered up to $5,000 and “loss of use” expenses, the additional cost of living elsewhere while repairs are made to the home, are covered up to $1,500. Recognizing that some people want more comprehensive coverage, the CEA also offers a 10 percent deductible for other structures, personal items coverage up to $100,000 and $15,000 in “loss of use” coverage.
  • Hurricanes and Hail: There are two kinds of wind damage deductibles: hurricane deductibles, which apply to damage solely from hurricanes; and windstorm or wind/hail deductibles, which apply to any kind of wind damage. Whether a hurricane deductible applies to a claim depends on the specific “trigger” selected by the insurance company. These triggers vary by state and insurer and usually apply when the National Weather Service (NWS) officially names a tropical storm, declares a hurricane watch or warning, or defines a hurricane’s intensity in terms of wind speed. Due to these differences, homeowners should check their policies and speak to their agent or insurance company to learn exactly how their particular hurricane deductible works. In some states, policyholders have the option of paying a higher premium in return for a traditional dollar deductible. However, in high-risk coastal areas insurers may not offer this option, instead making the percentage deductible mandatory.
  • Hurricane Deductibles Are Not New: The first hurricane deductibles were introduced into policies over 20 years ago. After Hurricane Hugo hit South Carolina in 1989 and Hurricane Andrew hit Florida in 1992, insurers realized they were far more vulnerable to huge weather-related losses than they had previously thought. In order to be able to continue getting reinsurance (basically insurance for insurers), and thus continue to offer homeowners insurance in high-risk areas it became necessary to require policyholders to share some of the cost by including hurricane deductibles in policies.

Consider Percentage Deductibles When Purchasing a Home

When looking for a new home, it is important to consider the cost of insurance. Coastal properties and other locations at higher risk for a natural disastermay cost more to insure than other locations, and you must add to that a separate deductible for earthquake or hurricane damage. Remember, you will be paying for insurance the entire time you live in your home—if you are a prospective buyer and feel you cannot afford the insurance, then it may be time to consider a different home.

Sports Management Schools and Colleges in the U

#sports #management #school, #sports #management #schools


Sports Management Schools and Colleges in the U.S.

School Selection Criteria

Consider the following when looking for sports management schools:

  • Prospective students should research if the school offers internship opportunities with organizations for sports in which they are interested.
  • Students should inquire if the program emphasizes a particular aspect of sports management, such as the global sports industry, in order to ensure that it is consistent with their career goals.
  • Applicants may want to find out if the school has student organizations that can facilitate networking events and leadership development opportunities related to the field.
  • Students who have scheduling commitments or other obligations may want to look for schools that offer courses online.

Bachelor’s Degree Programs

At the bachelor’s degree level, it is possible to earn a Bachelor of Science (BS) in Sports Management or to choose the subject as a concentration within a broader BS in Business Administration program. In these programs, students are trained in basic business concepts, such as marketing and public relations, particularly as they relate to the sports industry. Graduates may find work in sports organizations at the high school, college or professional levels.

Master’s Degree Programs

Graduate students can earn a Master of Science (MS) or a Master of Business Administration (MBA) with a focus in sports management. MS programs allow students to take advanced coursework in a variety of sports-related areas, such as event management, intercollegiate athletics, global analytics and sports law. MBA programs consist of a core of business courses, which students build on with specific sports-related electives. Some programs are available in part-time formats in order to meet the needs of working professionals.

Aspiring sports management professionals can get the education they need by pursuing a bachelor’s or master’s degree at a four-year university.

Next: View Schools

Some of the best schools in the country offer sport management programs at the undergraduate and graduate levels. Read extended.

Chicago has about six schools with programs in sports management. Find the best program for you by reading about schools’.

Sports are big business in the United States, serving as prime entertainment and a large revenue generator that takes the.

Associate of Business Science in Sports Management degree programs are rare, but most schools offer an Associate of Science in.

Certificato Camerale Ordinario – Certificato di Iscrizione alla Camera di Commercio, copia cciaa.

#Copia #cciaa

Certificato Camerale di Iscrizione

Il Certificato Camerale CCIAA direttamente al tuo ufficio e senza costi di spedizione. Un Certificato Camerale Ordinario è un documento rilasciato dalla Camera di Commercio valido dal punto di vista legale ed attesta liscrizione di unimpresa al Registro delle Imprese della CCIAA e ne certifica i dati.

In particolare il certificato di iscrizione attesta i seguenti dati dellazienda:

  • Riferimenti discrizione
  • Sede legale
  • Partita IVA
  • Oggetto sociale
  • Capitale sociale
  • Titolari e soci con relative quote
  • Amministratori
  • Attività

Validità del Certificato di Iscrizione

Il Certificato di Iscrizione ha una validità di 6 mesi dalla data del suo rilascio.

Come viene rilasciato il Certificato Camerale?

Il certificato camerale viene rilasciato nella sua versione digitale entro 2 ore via email e nella versione cartacea 4 giorni. Il Certificato cartaceo viene rilasciato su carta filigranata dove è applicato il bollino che attesta lautenticità del documento e ne assolve i diritti di segreteria.

Quali altre tipologie di Certificati Camerali sono disponibili?

Le altre tipologie di Certificati Camerali disponibili sono:

  1. Certificato Camerale Storico : contiene tutte le informazioni di un'azienda a partire dalla data della sua prima costituzione o se antecedente dal 1990.
  2. Certificato Camerale Artigiano : contiene tutte le informazioni di un'impresa artigiana: riferimenti d'iscrizione, n. albo, attività e titolari.
  3. Certificato Camerale di Vigenza attesta che l'impresa non è sottoposta a procedure concorsuali (fallimento, liquidazione coatta amministrativa, concordato preventivo,ecc), negli ultimi cinque anni.

Visura Camerale o Certificato Camerale, qual è la differenza?

Le informazioni presente nei documenti sono molto simili, la differenza principale è che il Certificato di Iscrizione ha valore legale di certificazione, mentre la visura camerale non ha valore di certificazione. Inoltre i certificati camerali devono essere stampati su una speciale carta filigranata.

Per richiedere un Certificato Camerale sono necessari i seguenti dati:

  • Denominazione o Nome e Cognome (se impresa individuale),
  • Partita Iva o Ragione Sociale,
  • Provincia dell'Impresa.

Quando non è possibile rilasciare il Certificato Camerale di Iscrizione?

I Certificati Camerali sono rilasciati dalla Camera di Commercio solo alle Imprese iscritte alla CCIAA ed in regola con il pagamento del Diritto Annuale

In caso di non regolarità con i diritti camerali annuali non sarà possibile erogare il certificato fino a quando la posizione non sarà regolarizzata.

TEMPI DI CONSEGNA: 2 ore versione digitale e entro 4 giorni versione cartacea

Hämatit, Dr, deutschland spendet.

#Deutschland #spendet

Hämatit | Dr. Schweikart

Deutschland spendet


Namen und Synonyme Hämatit

Anhydroferrit, Blutstein, Eisenglanz, Flusseisenstein, Glanzeisenerz, Iserin, Roteisen, Roteisenerz, Roteisenglanz, Roteisenrahm, Roteisenstein, Roter Eisenrahm, Roterz, Rotstein, Rotwerde, Rötel, Sanguin, Schwarzer Diamant, Specularit, Spiegeleisen, Spiegelerz

Farbe Hämatit


Varietäten der Familie

Bedeutung Hämatit

Hämatit hat seinem Namen aus dem griechischen haemateios (zu deutsch: blutig), und ist wohl darauf zurückzuführen, dass sich sein Schleifwasser blutrot färbt. Fälschlicherweise wird sein deutsches Synonym Blutstein aus der englischen Bezeichnung Bloodstone übersetzt und gleichgestellt. Bloodstone ist jedoch ein Synonym für Heliotrop. Schon seit der Altsteinzeit ist die Verwendung von Hämatit als roter Farbstoff für Höhlenmalereien belegt. Alten Überlieferungen nach wird er schon seit jeher als Heilstein zur Blutstillung, Blutbildung und Wundheilung verwendet. In der Antike wurde er Specularit (Spiegelstein) genannt, was auf seine Verwendung als Spiegel hinweist. Schon bei den Ägyptern war Hämatit als Schmuckstein sehr begehrt und wurde zur Herstellung kunstvoller Gegenstände verwendet. Im polierten Zustand zeigt so besonders gut seinen für ihn typischen metallischen Glanz. Er ist jedoch sehr spröde und seine Empfindlichkeit gegenüber Hitze, Säuren und Salzen kann ihn auf der Haut leicht oxidieren lassen. Als Eisenerz spielt Hämatit zusätzlich eine sehr bedeutende Rolle. Selbst auf dem Mars wurde Hämatit entdeckt, und gilt als Beleg dafür, dass es dort Wasservorkommen gegeben hat.

Der Hämatit gehört zu den wichtigsten Heilsteinen überhaupt. Eine Übersicht und Beschreibung der bedeutendsten Edelsteine finden Sie im Beitrag Top Heilsteine . In unserem umfassenden Edelsteinlexikon sind sogar über 400 Heilsteine mit Bilder erfasst, die nach Farbe, Herkunft, Wirkung, Bedeutung, Sternzeichen, etc. durchsucht werden können.

Wirkung Hämatit

Hämatit spendet Mut und schenkt Lebenskraft sowie Lebensfreude. Durch mehr Spontanität, Selbstständigkeit, Entspannung und Entschlossenheit erhalten die eigenen Bedürfnisse mehr Aufmerksamkeit. Hämatit trägt damit zur Verbesserung der Lebensqualität bei. Außerdem hilft er Unglück oder negative Einflüsse abzuwenden und Kraftreserven zu öffnen. Zur Aufdeckung psychisch bedingter Organstörungen kann Hämatit ebenso beitragen.

Ist Hämatit ein Schutzstein?

Hildegard von Bingen und Hämatit

Aufladen, Entladen, Reinigen Hämatit

Hämatit darf wegen seiner Empfindlichkeit nicht mit Wasser in Berührung kommen. Er sollte mit einem Bergkristall regeneriert werden und erhält dadurch seine Kraft zurück.

Anwendung Hämatit

Hämatit kann Entzündungen verstärken. Von einer Verwendung ist daher in diesem Fall abzuraten! Hämatit wirkt am besten mit direktem Hautkontakt.

Rehabilitación del préstamos hipotecario ¿qué hacer, prestamo hipotecario.

#Prestamo #hipotecario

Rehabilitación del préstamo hipotecario

  • Prestamo hipotecario

Rehabilitación del préstamo hipotecario

El préstamo hipotecario de conformidad con lo establecido en el artículo 693.3 de la Ley de Enjuiciamiento Civil puede ser rehabilitado antes de la subasta mediante la entrega de una cantidad que debe abarcar:

  • Las cuotas vencidas con sus intereses
  • Los intereses de demora vencidos durante el procedimiento
  • Las costas (que tienen como límite el 5% de lo reclamado)

En caso de que el préstamo hipotecario grave la vivienda habitual del ejecutado no se precisa consentimiento del acreedor el cual sí que es necesario en caso de que se trate de otro tipo de bien.

Esta posibilidad que tiene el ejecutado de reactivar el préstamo hipotecario tiene como objetivo limitar el rigor de la aplicación de las cláusulas de vencimiento anticipado, incluidas en la práctica totalidad de los préstamos hipotecarios que permiten al acreedor reclamar la totalidad de préstamo ante la falt de pago de al menos tres mensualidades, o un número de cuotas tal que suponga que el deudor ha inclumpklido su obligación pro un plazo, al menos, similar a tres meses, siempre que este convenio conste en la escritura pública de constitución del préstamo hipotecario.

El cálculo de la cantidad que debe abonarse para tener por enervada la acción hipotecaria es el siguiente:

  • Cuotas vencidas con sus intereses : se parte de la demanda inicial y de la documentación que la acompañan indicando el saldo deudor para su fijación
  • Intereses moratorios vencidos durante la ejecución : se calculan desde el impago hasta la fecha de consignación, sobre las cuotas debidas, no sobre el capital anticipadamente vencido, ya que al paralizarse la ejecución queda sin efecto dicho venicmiento anticipado, y en consecuencia, al no ser exigible el pago del mismo, no puede entenderse que el deudor ha incurrido en mora.
  • Costas judiciales: las determinará el Letrado de la Administración de justicia en la correspondiente tasación.

Una vez consignado el importe de las cuotas vencidas con sus intereses, el procedimiento quedará en suspenso, y se procederá a la liquidación de los intereses de demora, y a la tasación de costas. Después, se requerirá al ejecutado por el préstamo hipotecario para que consigne dichas cantidades en un plazo razonable.

Por último, indicar que podrá liberarse el bien en varias ocasiones, siempre que medien tres años entre la anterior liberación y el nuevo requerimiento de pago.

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Adressen und Öffnungszeiten von Verwaltungseinrichtungen, Geschäften oder Dienstleistern findest du im Branchenbuch von Coburg.

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Das Leben in der Stadt kann ganz schön chaotisch und hektisch sein. Ob du Ämter und Behörden, eine geeignete Autowerkstatt, eine Notdienstapotheke oder ein gutes Restaurant in Coburg suchst – hier kannst du den Durchblick behalten. Finde einfach und schnell passende Jobangebote oder Ausbildungsplätze im Stellenmarkt Coburg. Der umfangreiche Immobilienbereich hält Wohnungen in allen Größen und Preiskategorien für dich bereit, ganz nach deinen Bedürfnissen. Und im Branchenbuch von Coburg findest du auf einen Blick alle Firmen aus der ganzen Metropolregion.

Ämter in Coburg

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  • 09561 – 891555
  • Markt 1-3, 96450 Coburg
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Nichts verpassen in Coburg

Genieße die Vorzüge des Stadtlebens. Vom kleinen Straßenfest in der Nachbarschaft bis zum großen Live-Konzert: Coburg hat so einiges zu bieten. Besonders am Wochenende locken viele Events und Partys in Coburg. Zahlreiche Kinos, Restaurants, Bars und Kneipen sorgen für einen gelungen Start ins Nachtleben und vielleicht lernst du auch währenddessen einen der 679 Singles in Coburg kennen. Ob Musicals, Theater oder Comedy – bei derzeit 1144 Veranstaltungen im Veranstaltungkalender ist in Coburg für jeden Geschmack das Passende dabei. Sichere dir jetzt deine Tickets bequem von Zuhause aus.

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Straßen in Coburg von A bis Z

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Ob Rundgänge durch die Altstadt, ein Besuch auf einem der vielen Märkte in Coburg, ein Abstecher ins Nachtleben oder die ausgedehnte Shopping-Tour, eine Städtereise nach Coburg verspricht viel Abwechslung. Bei einer Stadtführung kannst du Coburg so richtig kennenlernen. Wer nicht mehr ganz so gut zu Fuß unterwegs ist oder es lieber bequemer angehen möchte, lässt sich chauffieren und erkundet alle Sehenswürdigkeiten entspannt bei einer Stadtrundfahrt. Erlebe dabei Architektur, Kunst oder Stadtgeschichte bei einer Führung durch eines der vielen Museen in Coburg. Damit du dich bei deinem Besuch in Coburg wie Zuhause fühlst, findest du hier Pensionen, Privatunterkünfte, Hotels oder weitere Übernachtungsmöglichkeiten in Coburg. Einfach die gewünschte Unterkunft auswählen und direkt online buchen.

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ber unseren Wohnmobilstellplatz

Die Zufahrt vom Grillendamm zu unserem Wohnmobil Stellplatz ist durch eine Schranke gesch tzt.

Unser Stellplatz-Service

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Unsere Stellplatz-Preise

F r ein Wohnmobil, Wohnwagen oder Caravan betr gt der Tagespreis (24 Stunden) 10,00 . Strom wird separat mit 1,00 pro Tag berechnet. In der Tagespauschale ist die WC-Benutzung enthalten. Abgerechnet wird durch die Zahlung per EC-Karte. Duschmarken kosten 1,00 pro St ck und erm glichen einen viermin tigen Duschgang pro Marke.

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14770 Brandenburg an der Havel

Lage Anfahrt zum Stellplatz

Nehmen Sie auf der Autobahn A 2 zwischen Hannover und Berlin die Ausfahrt 78 in Richtung Brandenburg. Folgen Sie der B 102 nach Brandenburg an der Havel. Anschlie end rechts auf die Potsdamer Stra e abbiegen und dieser in die Innenstadt folgen. Dann im sp teren Verlauf erneut rechts auf den M hlendamm abbiegen und die Havelbr cke sowie Domlinden passieren, um abschlie end von der Krakauer Stra e nach links zum Grillendamm zu gelangen. Sie haben Ihr Ziel erreicht und k nnen Ihr Wohnmobil, den Wohnwagen oder Caravan bei uns abstellen.

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Falls Sie dem Wohnmobil, Wohnwagen oder Caravan mal eine Pause g nnen m chten, lohnt sich mit Sicherheit ein Besuch bei unseren Partnern