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Tampa residents who are uncomfortable driving in the rain have more difficulties during the summer months when the city receives most of its rainfall. Tampa may experience light freezes during the winter months, but hard freezes are rare. Snowfall is extremely sporadic, and the last time that officials could measure the snowfall was in 1977. Judging by how people reacted to the 0.2 inches of snow that fell at that time, Tampa residents know that any subsequent snowfall will cause traffic to stand still.

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Cross dressing men will be disappointed in Florida because it is illegal for them to appear in public in their strapless gowns. Passing gas is perfectly acceptable in the morning and afternoon hours in Florida, but people are required by law cease this behavior promptly at 6:00 p.m. if they are in a public place.

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The U.S. Census Bureau recorded 3,754 separate property crimes in Tampa for last year. Included in this number are 394 automobile thefts, 1,014 burglaries and 2,346 larcenies.

In 2015, according to the FBI, 596 vehicles were reported stolen in Tampa, and 8,366 property crimes were reported.

Safety Requirements in Tampa

Seat Belt Law

In Florida, all drivers, front-seat passengers and passengers under 18 must fasten their safety belts, according to the Florida Department of Highway Safety and Motor Vehicles. Drivers and passengers 18 or older can be cited if they or any passenger under 18 are not properly strapped in. A driver will be charged with a seat belt violation if any passenger under 18 is not restrained with a seat belt or child restraint device.

Under Florida law, children 5 and under must be secured in a child restraint device. Children 4 and 5 must secured in a separate carrier, an integrated child seat or a child booster seat.

Helmet Law

Florida requires motorcycle riders under 21 to wear a helmet. If you are over 21, you are not required to wear a helmet. If you do go without a helmet, you must carry $10,000 worth of medical payment insurance.

Distracted Driving Law

Texting while driving is illegal in Florida. However, talking on a cellphone while driving is allowed. A first-time offense under the texting-while-driving law can result in a $30 fine.

Impaired Driving Law

In Florida, a driver 21 and over can be charged under the DUI law if he or she has a blood alcohol concentration (BAC) of 0.08 percent or higher. A first-time offender faces a maximum penalty of one year of probation, a one-year license suspension, a $1,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.

If a driver s BAC is at least 0.15 percent, a first-time offense can result in a maximum of one year of probation, nine months in jail, a one-year license suspension, a $2,000 fine, 50 hours of community service, a six-month installation of an interlock ignition device and impoundment of your vehicle for 10 days.

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Founded in 1974, began as an independent insurance agency serving customers in Northern California. Our core belief was that every driver should have access to the best coverage at the best possible price, regardless of driving record, location, gender, age, or vehicle type. soon became the foremost specialist in helping unlucky drivers find the protection they need at an affordable price. Now, after helping California drivers for forty years, we have expanded our online system to provide insurance quotes to drivers nationwide. We help you find the best carriers, at the absolute lowest rates, without having to go to an office or spend hours on the phone answering the same questions over and over. How easy is it to get an insurance quote? This easy:

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    There are two basic components of liability car insurance: bodily injury coverage and property damage coverage.

    About bodily injury liability coverage

    Bodily injury liability coverage may help pay the costs if people are injured or killed in a covered accident you cause. This may include medical expenses, loss of income and, in some cases, legal fees if you are sued.

    About property damage liability coverage

    Property damage liability insurance helps pay for other people’s property, not yours. It may cover damage done to someone’s property as the result of a covered accident for which you are responsible. It may also help cover the expense of repairing or replacing a car, fence or other property damaged during the covered incident.

    Minimum and maximum limits on auto liability insurance

    A limit is the maximum dollar amount your insurance may pay per event. For example, if you have a property damage limit of $10,000 and cause $15,000 in damages in a covered accident, you are responsible for the excess $5,000.

    If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.

    How much liability auto insurance you’re required to buy depends on the state where you reside. How much you buy beyond the legal minimum depends on your finances and assets. If money is tight, you might need to settle for state minimum limits, but it can be risky. If you have sizeable assets, you may want to consider higher limits, like those found in a personal umbrella policy that offers an extra layer of protection.

    Liability car insurance alone does not cover your car

    If you opt for liability car insurance alone, you’re legally covered, but damage to your vehicle isn’t. That could cost you thousands to repair or replace the vehicle you depend on every day. Collision coverage and comprehensive car insurance coverage help pay for damage to your vehicle if coverage applies. You can also keep your rates low in the event of an accident with Accident Forgiveness.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

    Corsi di Laurea Online in Economia, laurea economia e commercio.

    #Laurea #economia #e #commercio

    Corsi di Laurea Online in Economia

    Tutti i corsi di Laurea Online in Economia offerti dalle Università Telematiche: piani di studio, sbocchi occupazionali e differenze.

    Le Università Telematiche allinterno della propria offerta formativa prevedono lerogazione di due Corsi di Laurea triennale in Economia, la Classe L18 e Classe L33.

    Il Corso in Economia L-18 fa riferimento ad aspetti dellEconomia Aziendale e del Management.

    Lobiettivo che accomuna le università che erogano questo corso di laurea è quello di preparare i propri studenti nel settore aziendale, fornendo sia competenze e strumenti matematico-statistici, sia principi e istituti dell’ordinamento giuridico.

    Sbocchi professionali: i laureati in Economia aziendale sono figure professionali idonee a svolgere attività manageriali, di consulenza, imprenditoriali, nell’ambito di organizzazioni private e pubbliche, che operano nei mercati reali e finanziari.

    Il Corso di Laurea in Economia L-33 viene erogato dalleCampus e dallUniMarconi.

    Tale corso fa riferimento ad Economia e Commercio e si pone lobiettivo di far acquisire solide conoscenze sulle principali legislazioni che riguardano il funzionamento dellaziende pubbliche e private. Lo studente, inoltre, imparerà a conoscere gli strumenti di analisi del mercato e della concorrenza.

    Sbocchi occupazionali: i laureati in Economia e Commercio sono professionisti in grado di svolgere attività allinterno di aziende pubbliche o private, nel settore bancario e della finanza, nella libera professione, nel marketing, nel settore dei servizi, del giornalismo specializzato e dellinsegnamento.

    Le Università Telematiche permettono di completare il proprio percorso universitario attraverso due corsi magistrali in economia: Scienze Economiche (LM-56) ed Economia Aziendale e Managment (LM-77).

    Il Corso di Laurea Magistrale in Scienze economiche viene erogato dall eCampus, UniPegaso, Unicusano e UniMarconi.

    Lobiettivo è quello di fornire una conoscenza approfondita delle tematiche economiche ed una buona padronanza degli strumenti di analisi e dei principi e istituti dellordinamento giuridico.

    Sbocchi occupazionali: i laureati al Corso di Laurea Magistrale sono figure professionali in grado di svolgere la libera professione come revisori contabili, ragionieri e periti commerciali, dottori commercialisti.

    Il Corso si pone lobiettivo di far acquisire avanzate conoscenze in tema di governo e gestione delle aziende, tramite una solida formazione teorica e applicata, nonché sviluppando conoscenze interdisciplinari su materie aziendali, economiche, quantitative e giuridiche, che mettano in grado lo studente di agire nel contesto aziendale.

    Sbocchi occupazionali: Il Corso di Laurea Magistrale intende formare figure professionali specifiche dotate di un bagaglio di conoscenze ed esperienze direttamente finalizzate ad un qualificato inserimento nel mondo del lavoro, dove sempre più si richiedono capacità di analisi delle dinamiche aziendali e di una loro gestione che risponda a requisiti di efficacia, efficienza ed economicità.

    Il piano di studi, tra gli Atenei che erogano la stessa Classe di Laurea, non differisce di molto. Sicuramente il vantaggio di Alcuni Atenei Online consiste nel garantire ai propri studenti la possibilità di approfondire le proprie conoscenze attraverso un percorso magistrale.

    Per maggiori informazioni potete contattarci al Numero Verde 800.19.27.27, oppure scriverci un messaggio.

    Curso gratis de Calidad en la Empresa y Organizaciones – La Homologación de Proveedores: Los mejores cursos gratis online, como conseguir hojas de reclamaciones.

    #Como #conseguir #hojas #de #reclamaciones

    #18 La Homologación de Proveedores

    Como conseguir hojas de reclamaciones

    La homologaci n de proveedores es el proceso por el cual una empresa define aquellos proveedores que est n cualificados para suministrarle productos o servicios.

    Un proveedor que desee trabajar con una empresa que disponga de un sistema de homologaci n de proveedores deber conseguir esta homologaci n antes de poder comenzar a suministrar sus productos o servicios.

    La homologaci n de proveedores puede realizarse a trav s de diversos m todos:

    • Auditor a. Este sistema consiste en la realizaci n de tina visita al proveedor, en el transcurso de la cual se eval a una serie de factores, previamente definidos y recogidos en un cuestionario de auditor a. Como resultado de esta auditor a, el proveedor obtendr una puntuaci n, en funci n de la cual ser aceptada o rechazada su homologaci n.
    • Test de producto. Consiste en la realizaci n de una prueba de los productos que desea suministrar el proveedor. La prueba consiste en utilizar el producto en el proceso productivo y verificar su comportamiento. Al final de la prueba se homologa o no al proveedor.
    • Homologaci n por hist rico. Este m todo se utiliza para homologar a proveedores que llevan trabajando con la empresa desde hace tiempo de manera satisfactoria. Consiste en analizar los resultados hist ricos de la relaci n con el proveedor: cantidades suministradas, n mero de env os, n mero y gravedad de las reclamaciones, resultados de controles, calidad del servicio, etc. En funci n de estos resultados se procede a conceder o denegar la homologaci n.
    • Cuestionario de homologaci n. Este sistema es similar al de auditor a, pero sin realizar visita al proveedor. En este caso, la empresa elabora un cuestionario en el que se preguntan los datos importantes sobre la actividad, organizaci n, medios, proceso productivo y gesti n de la calidad del proveedor. Este cuestionario se env a al proveedor, y en funci n de sus respuestas se procede a su homologaci n.

    En el proceso de homologaci n de proveedores deben participar representantes de los departamentos de la empresa afectados: el responsable de compras, el responsable de calidad y el responsable del departamento usuario del producto comprado (producci n, si son materias primas o auxiliares; almac n, si es el transporte).

    El proceso de homologaci n da lugar a una lista de proveedores homologados. Esta lista debe ser difundida a todas las personas de la empresa que tengan responsabilidades de compra de productos o servicios, de manera que no puedan comprar a proveedores que no est n incluidos en la lista.

    El hecho de que un proveedor est homologado no supone que la empresa est obligada a comprar sus productos; significa que la empresa puede comprarlos. La selecci n de los proveedores a los que comprar en cada momento se realiza a trav s del sistema de evaluaci n de proveedores.

    Sagrado Corazon de Jesus, como realizar una queja por escrito.

    #Como #realizar #una #queja #por #escrito

    como realizar una queja por escrito

    Como realizar una queja por escrito

    Solemnidad: Viernes Posterior al II domingo de Pentecost s

    Presentaci n Power Point:

    La devoci n al Sagrado Coraz n de Jes s ha existido desde los primeros tiempos de la Iglesia, cuando se meditaba en el costado y el Coraz n abierto de Jes s, de donde sali sangre y agua. De ese Coraz n naci la Iglesia y por ese Coraz n se abrieron las puertas del Cielo. La devoci n est por encima de otras devociones, porque veneramos al mismo Coraz n de Dios.

    En lugar del Acto de Contrici n, se rezar la siguiente oraci n de San Ignacio:

    Como realizar una queja por escrito

    Agua del costado de Cristo, l vame.

    No permitas que me aparte de Ti.

    Del maligno enemigo, defi ndeme.

    Para que, con San Jos , La Virgen Mar a,

    tus ngeles y tus Santos

    Te alabe y te bendiga por los siglos de los siglos.

    Jes s, dulce y humilde de Coraz n, haced el m o, semejante al Vuestro

    (300 d as de Indulgencias)

    (300 d as de Indulgencias)

    (300 d as de Indulgencias)

    Dulce Coraz n de Jes s: S T mi amor y ten piedad de nosotros

    (300 d as de Indulgencias)

    Dulce Coraz n de Mar a: Ruega por nosotros

    (100 d as de Indulgencias)

    (Traducido del que se public en franc s con aprobaci n del Sr. Obispo de Montreal, Canad ).

    (50 d as de Indulgencias)

    Plenarias: Se consigue salvar un alma del Purgatorio. S lo se puede ganar una al d a.

    Parciales: Se gana el doble del m rito por la oraci n rezada o la acci n realizada, al estar enriquecida con la indulgencia.

    Para ganar indulgencias es necesario estar en gracia de Dios y rezar por las intenciones del Santo Padre.

    A las siguientes invocaciones se responde:

    Dios Padre celestial, .

    Coraz n de Jes s, Hijo del Eterno Padre, .

    Coraz n de Jes s, abismo de todas las virtudes, ..

    Cordero de Dios, que quitas el pecado del mundo, perd nanos Se or.

    Cordero de Dios, que quitas el pecado del mundo, esc chanos Se or.

    Como realizar una queja por escrito

    1.- A las almas consagradas a mi CORAZ N les dar las gracias necesarias para su estado (Condici n Civil de vida Legal).

    2.- Dar PAZ a sus Familias.

    3.- Las consolar en todas sus aflicciones.

    4.- Ser un amparo y refugio seguro durante la vida, especialmente a la hora de la muerte.

    5.- Derramar bendiciones abundantes sobre sus Empresas.

    6.-Los pecadores hallar n en mi Coraz n la Fuente y el Oc ano infinitos de las Misericordias.

    7.-Las almas tibias se har n fervorosas.

    8.- Las almas fervorosas se elevar n r pidamente a gran perfecci n.

    9.- Bendecir las casas en que la IMAGEN de mi “SAGRADO CORAZ N” se EXPONGA y sea HONRADA.

    10.-Dar a los Sacerdotes la Gracia de mover corazones pecadores empedernidos.

    11.- Las personas que PROPAGUEN sta Devoci n, tendr n escrito su nombre en mi Coraz n y jam s ser borrado de l.

    12.- A los que COMULGAREN en el Primer Viernes por nueve meses consecutivos, les dar la GRACIA de la PENITENCIA FINAL”.

    Padre Nuestro, Ave Mar a y Gloria.

    Padre Nuestro, Ave Mar a y Gloria.

    Padre Nuestro, Ave Mar a y Gloria.

    Al cual es imposible no sentir compasi n por los infelices,

    ten piedad de nosotros, pobres pecadores

    y conc denos las gracias que pedimos

    por medio del Inmaculado Coraz n de Mar a.

    Para terminar, rezar la Salve.

    Santa Margarita Mar a Alacoque, depositaria de las Revelaciones del Sagrado Coraz n de Jes s y San Claudio de La Colombi re: Propag el amor al Sagrado Coraz n de Jes s, tal como lo recibi de la vidente Margarita.

    Revelaciones del Coraz n de Jes s a Santa Margarita Mar a Alacoque Vidente del Sagrado Coraz n de Jes s

    Estando yo delante del Sant simo Sacramento, me encontr toda penetrada por su divina presencia. El Se or me hizo reposar por muy largo tiempo sobre su pecho divino, en el cual me descubri todas las maravillas de su amor y los secretos inexplicables de su Coraz n Sagrado.

    l me dijo: Mi Divino Coraz n est tan apasionado de Amor a los hombres, en particular hacia ti que, no pudiendo contener en l las llamas de su ardiente caridad, es menester que las derrame vali ndose de ti y se manifieste a ellos, para enriquecerlos con los preciosos dones que te estoy descubriendo, los cuales contienen las gracias santificantes y saludables necesarias para separarles del abismo de perdici n. Te he elegido como un abismo de indignidad y de ignorancia a fin de que sea todo obra m a .

    • Comulgar s tantas veces cuanto la obediencia quiera permit rtelo.
    • Jueves o viernes har que participes de aquella mortal tristeza que te reducir a una especie de agon a m s dif cil de sufrir que la muerte.
    • Te levantar de 11 a 12 de la noche para postrarte una hora conmigo, el rostro en el suelo.

    Eso – le dice Jes s a Margarita – fue lo que m s me doli de todo cuanto sufr en mi Pasi n, mientras que si me correspondiesen con algo de amor, tendr a por poco todo lo que hice por ellos y de poder ser a n, habr a querido hacer m s. M s s lo frialdades y desaires tienen para todo mi af n en procurarles el bien. Al menos dame t el gusto de suplir su ingratitud de todo cuanto te sea dado conforme a tus posibilidades .

    Sucedi esta revelaci n en el curso de la octava del Corpus Christi del a o 1675, o sea entre el 13 y el 20 de junio. Cuenta Margarita: “Estando ante el Sant simo Sacramento un d a de su octava y queriendo tributarle amor por su tan gran amor, me dijo el Se or: No puedes tributarme ninguno mayor que haciendo lo que tantas veces te he pedido ya .

    Deseo de padecer. A consecuencia del deseo de amar, quer a dar su vida, puesto que no ten a nada m s que dar

    Deseo de morir, as podr a unirse con su gran Amor. Pero se conformaba con vivir hasta el d a del Juicio, si esto era la

    voluntad de Dios. Esta separaci n le dol a m s que mil muertes.

    Como realizar una queja por escrito

    Waiting periods, private health insurance no waiting period.

    #Private #health #insurance #no #waiting #period

    private health insurance no waiting period

    Private health insurance no waiting period

    Private health insurance no waiting period

    Waiting periods

    You will have to serve a waiting period when you start a new private health insurance policy or increase your level of cover. A waiting period protects members of the fund by ensuring that individuals aren’t able to make a large claim shortly after joining and then cancelling their membership. This kind of behaviour would result in increased premiums for all members.

    The government sets the maximum waiting periods that funds can impose for hospital treatment:

    • 12 months for pre-existing conditions,
    • 12 months for obstetrics (pregnancy),
    • two months for psychiatric care, rehabilitation or palliative care, even for a pre-existing condition,
    • two months in all other circumstances.

    The waiting periods for general treatment (ancillary or extras) cover are set by individual health funds.

    When purchasing health insurance make sure you are fully aware of any waiting period you may have to serve. There is usually no waiting period if you need hospital or medical treatment because of an accident that happens after you join the fund.

    Pre-existing conditions

    Under the Private Health Insurance Act 2007, a health fund may impose a 12 month waiting period on benefits for hospital treatment for a pre-existing condition.

    A pre-existing condition is defined by law as any ailment, illness, or condition that you had signs or symptoms of during the 6 months before you joined a hospital table or upgraded to a higher hospital table. It is not necessary that you or your doctor knew what your condition was or that the condition had been diagnosed. A condition can still be classed as pre-existing even if you hadn’t seen your doctor about it before joining the hospital table or upgrading to a higher hospital table.

    In forming an opinion about whether or not an illness was pre-existing, the health insurer appointed medical practitioner who makes the decision, must take into account information provided by your own doctor.

    Your health fund will need time to advise you if your condition is pre-existing so be sure to check with your fund well before you go to hospital to make sure you are covered.

    Even if you have a pre-existing condition, health funds must allow you to purchase any type of cover, at the same price as every other person. Once you have served any waiting periods, you will be entitled to claim.

    Obstetrics (Pregnancy)

    The maximum waiting period for obstetrics benefits is 12 months – if you are planning to become pregnant and wish to be covered, you will need to organise appropriate health insurance for both yourself and your newborn well in advance (before you become pregnant).

    Entitlement to obstetrics benefits rests with the mother. She needs to have served the full waiting period before being admitted to hospital to be able to claim benefits.

    Many less expensive hospital covers do not include obstetrics, or pay restricted benefits that only cover you for obstetrics as a private patient in a public hospital, not in a private hospital.

    Health funds have different rules about how far in advance you need to make changes to your cover to insure your newborn baby. Some funds may require you to add your baby to your cover several months before his or her birth, so make sure you check with your fund as soon as possible.

    AARP Auto Insurance, Get a Quote, The Hartford, auto insurance com.

    #Auto #insurance #com

    Car Insurance

    Great rates and rewards on car insurance from The Hartford.

    12-Month Rate Protection

    New Car Replacement Coverage

    24/7 Claims Hotline


    Disappearing Deductible

    Waiver of Deductible for a Not-At-Fault Accident

    Auto insurance com

    Insurance in Plain English

    Tailor your car insurance at a rate you can afford.

    Non-Collision Damage

    Auto Policy Bodily Injury Liability

    Uninsured-Underinsured Motorist Bodily Injury

    Personal Injury Protection a.k.a. No-Fault Insurance

    Towing Coverage

    Personal Umbrella Insurance

    Auto insurance com

    Auto Insurance 101

    Quick Links to State Resources

    Insurance in Plain English

    The Hartford Center for Mature Market Excellence

    We help make great car insurance more affordable.

    Ways to Save on Car Insurance

    Bundle Insurance Savings


    Anti-Theft Device

    Air Bags

    Defensive Driver Course

    Vehicle Fuel Type

    Driver Training

    Good Student

    • Is in the upper 20% of his/her class scholastically
    • Maintains a B average or equivalent
    • Maintains at least a 3.0 grade point average (out of 4.0)
    • Makes the Dean s List, Honor Roll or comparable list

    Auto insurance com

    Auto Insurance 101

    Insurance in Plain English

    The Hartford Center for Mature Market Excellence

    Filing a claim with The Hartford is easy.

    Reporting A Claim

    Describing the Accident

    Tracking Your Claim

    Services to get you back on the road.

    Auto Repair Network

    Glass Coverage

    Rental Car Services

    RESCUE 1-800

    Auto insurance com

    Auto Insurance 101

    Insurance in Plain English

    The Hartford Center for Mature Market Excellence

    The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

    The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

    The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

    In general, reviews are published if they are relevant to the experience and not defamatory.

    While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

    • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
    • In order to protect our customers privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
    • We do not publish reviews citing exact premium and settlement amounts.
    • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
    • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.

    Compare Texas Car Insurance Rates – Save Today, auto insurance tx.

    #Auto #insurance #tx

    The Essential Texas Car Insurance Comparison Chart

    Auto insurance tx

    Everything s bigger in Texas — including car insurance costs. Texas has the nation s 14th highest rates, according to, with an average annual premium of $1,620.

    That doesn t mean you have to pay that much, however. To get the lowest car insurance rates in Texas, you should get as many quotes as possible. s Texas car insurance comparison chart reveals that whatever your driving history looks like, some insurers will offer you dramatically lower rates than others.

    Texas Car Insurance Comparison Chart

    In Texas, drivers are required to carry at least $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 of property damage coverage. Driving without insurance in Texas is a bad idea. Penalties range from a fine of $175-$350 for a first offense to $4,000 and a year in jail if you cause an accident resulting in serious injuries or death. Not only that, but an insurance company is allowed to charge you more if you drove without insurance in Texas for more than 30 days during the 12 months before your insurance application. Texas uses a system of electronic verification called TexasSure to check that drivers are carrying insurance.

    In Texas, insurers have wide latitude when setting rates. We created a Texas car insurance comparison chart for three different driver profiles to illustrate the range in premiums.

    Auto insurance tx

    • Is a 44-year-old female
    • Owns a 2010 Chevrolet Malibu LS
    • Drives for pleasure
    • Owns a home and has a master’s degree
    • Is a low-risk driver with a clean driving record

    Auto insurance tx

    • Is a 21-year-old male
    • Finances a 2013 Honda Civic SI
    • Drives to work
    • Rents an apartment and graduated from high school
    • Has two speeding tickets on his record

    Auto insurance tx

    • Are a married 41-year-old couple
    • Owns a 2012 Grand Caravan SE and finances a 2011 Mazda 6S
    • Drives to work
    • Owns a condo and both have bachelor’s degrees
    • Has minor tarnish on driving record

    Which car insurance profile is most like you?

    Auto insurance tx

    These are all authentic quotes obtained by, although we ve left out the names of the insurance companies. What causes these big variations in Texas insurance rates? Let s take a closer look.

    Texas car insurance laws

    • Car insurance rates are affected by your driving history. Having an at-fault accident, speeding ticket or other moving violation on your record will raise your premiums. On our Texas car insurance comparison chart, you can see that the two profiles with a blemished record are seeing some high premium quotes. Even so, the Averages lowest monthly installment quote is a whopping $332 less than the highest quoted premium. That s why it s so important to shop around for car insurance.
    • Insurers consider how you use your car. Car insurance rates are typically lower for people who drive only for pleasure, like Elizabeth Allclear. If you use your car regularly to commute to work or conduct business, like Joe and Julie Average, your rates will be higher.
    • Your consumer credit affects your car insurance rates. Texas prohibits insurance companies from refusing to sell you insurance, or canceling your policy, because you have bad credit. However, Texas does allow insurers to consider consumer credit history. Bad credit can lead to higher rates.
    • Age and marital status affect Texas car insurance premiums. The highest rates, on average, are paid by men under 25 and unmarried women under 21, according to the Texas Department of Insurance. This may not seem fair, but that s how it works. Age is one of the biggest reasons Johnny Racer sees such high premium quotes.

    Your Texas auto insurance options

    Don t resign yourself to paying a lot for your insurance. Our Texas car insurance comparison chart reveals that some insurers will offer you much lower rates than others — even if you have a few tickets or an accident on your record. As you can see, Johnny Racer s highest monthly installment quote is two and a half times his lowest quote. And with a clean record, Elizabeth Allclear sees rates as low as $77 per month.

    Modulo online di AIDO per donare i propri organi, donazione organi tessera.

    #Donazione #organi #tessera

    Modulo online di AIDO per donare i propri organi. Un grande gesto di civiltà da fare oggi stesso!

    Internet è una grande risorsa della nostra epoca e il suo potenziale si esprime al meglio specialmente quando viene messo al servizio delle grandi campagne sociali.

    Oggi vi presentiamo sito che consente a tutti di dare subito lassenso alla donazione di organi e tessuti senza dover costringere amici e parenti a farlo per noi contribuendo concretamente a salvare migliaia di persone ogni anno.

    Attraverso questo sito puoi infatti decidere mentre sei in vita di donare i tuoi organi.

    Se si verificasse la remota ipotesi di poterlo fare concretamente, salveresti una o più vite.

    Basta iscriversi all‘AIDO, Associazione Italiana Donazione Organi.

    VOI POTETE CAMBIARE IL DESTINO DI UNA O PIU PERSONE OGGI STESSO. PRENDETEVI 5 MINUTI PER UN GESTO DI ALTA CIVILTA.Facendolo tu, puoi evitare che i tuoi genitori, la tua compagna, il tuo compagno, i tuoi figli, debbano prendere questa difficile decisione al tuo posto. Non sono mai momenti facili. Al momento delleventuale richiesta, cé solo mezzora per decidere.

    In caso di dubbi, o di volontà negativa esplicita, si rinuncia.

    In Italia ogni anno i donatori sono meno numerosi che i richiedenti. Migliaia in meno.

    Vuol dire che ogni giorno troppi medici devono dire a troppi pazienti in attesa: “Mi dispiace, sei spacciato”.

    Scaricate il modulo per dare il vostro assenso e soprattutto condividete questi contenuti via facebook, via mail, via twitter, via linkedin o parlandone con gli amici…

    Il mondo si cambia anche così.

    (Articolo di dotFlorence Staff in collaborazione con AIDO)

    Workers Compensation Attorney San Diego: Best Workers Compensation Lawyer San Diego

    #worker #compensation #attorneys

    San Diego Workers Compensation Attorney Group

    San Diego Workers Compensation Attorney

    Unfortunately, accidents on the job are extremely common. All too often, individuals who have been involved in job related accidents are not treated fairly and are denied the medical attention and financial compensation they are entitled to under the law. Many times, injured individuals and their families have no idea what steps to take to defend their rights and seek the benefits that they deserve. Dealing with the cumbersome judicial system can be complicated and confusing, leaving the individual feeling overwhelmed and hopeless. At a time when they should be focused on recovering, many are dealing with worry and stress caused by time off from work and lost wages.

    San Diego Workers Compensation Lawyer

    If you’ve been injured on the job, the attorneys at the San Diego Workers’ Compensation Attorney Group’s joint marketing program are here to help. Our workers comp attorneys in San Diego County will aggressively defend your rights, and get you the medical treatment and financial compensation that you deserve.

    Our experienced workers’ compensation lawyers understand the complicated judicial system, and can fight for the benefits that are due to you. Our workers’ compensation lawyers also understand the stress involved in being injured on the job. Our workers’ compensation lawyers also understand the feelings of worry, fear and hopelessness that often plague individuals that are dealing with a workers’ compensation case, and they can help.

    San Diego Work Comp Attorney

    If you are injured, it is important to act quickly to protect your rights. The state of California has strict limits on the time you have to report your injury and file a workers’ compensation claim. If you have been injured at work, call the legal experts at the San Diego Workers’ Compensation Attorney Group’s joint marketing program immediately. Our work comp lawyers can help you navigate the confusing legal system and get the benefits that you are entitled to. Call us at 619-798-6487 to schedule a free, no-obligation consultation with one of our attorneys about your case.

    Workers Compensation Attorney Group service the following Southern California neighborhoods: San Diego City, Allied Gardens, Del Cerro, City Heights, Clairemont. College Area, Coronado, Downtown, Encanto, Golden Hill, Hillcrest and Mission Hills. Kensington and Normal Heights, La Jolla, Linda Vista, Logan Heights, Mira Mesa. Mission Valley. Morena, North Park. Ocean Beach, Pacific Beach Mission Beach, Paradise Hills, Point Loma, San Carlos, Scripps Ranch, Serra Mesa,Sorrento Valley, Tierrasanta, University City, North County Inland, Bonsall, Borrego Springs, Escondido, Fallbrook, Julian, Pala, Palomar Mountain, Pauma Valley, Penasquitos, Poway, Ramona, Ranchita, Rancho Bernardo, Rancho Santa Fe, San Marcos, Santa Ysabel, Valley Center, Vista East, Warner Springs, North County Coastal, Cardiff, Carlsbad, Carmel Valley, Del Mar, Encinitas, Solana Beach, South Bay, Bonita, Chula Vista Otay Ranch, Imperial Beach, National City, Nestor, San Ysidro. East County, Alpine, Boulevard, Campo, Descanso, Dulzura, El Cajon. Jacumba, Jamul, La Mesa Grossmont, La Mesa Mt. Helix, Lakeside, Lemon Grove. Pine Valley, Potrero, Rancho San Diego, Santee. Spring Valley.

    Making a false or fraudulent workers compensation claim is a felony subject to up to 5 years in prison or a fine of up to $50,000 or double the value of the fraud, whichever is greater or by both imprisonment and fine. Donald Cline, Esq. Thomas Debenedetto, Esq. Vincent Howard Esq. Anthony Oropallo Esq. Brian Mitchell Esq. John Kiwan Esq. Gregory Alumit Esq. Peter Hsiao Esq.

    Cleaner Communities – Dog Fouling

    #environmental #drain #cleaner


    Dog Fouling

    Dog mess is an eyesore and a health hazard. If you are a dog owner, you have a legal duty to clean up every time your dog messes in a public place. Registered blind people are not required to clean up after their guide dogs. There is also exemption for dog owners on some kinds of public land in England and Wales, including:

    • Land used for agriculture or woodlands
    • Rural common land
    • Land that is predominantly marshland, moor or heath
    • Highways with a speed limit of 50mph or more

    Most local councils require dog owners to carry a poop scoop and disposable bag whenever they take their dogs out to a public place. Some councils offer free scoops: ask your council s animal warden unit.

    Look out for bins marked as dog bins to dispose of your dog bag. If you cannot find a dog bin, then double wrap the dog bag and place it in a normal litter bin.

    If your street is littered with dog mess, you can ask your local council to clean it.

    Fines and criminal offences

    In England and Wales, local authorities can introduce public spaces protection orders, making it an offence not to clean up dog mess in certain areas. Under those orders, a person who doesn t clean up after their dog may face an on-the-spot fine of up to 80. These fines are known as fixed penalty notices. If a person refuses to pay they can be taken to the local Magistrates Court for the dog fouling offence and fined up to 1,000.

    The system of controlling dog fouling under public spaces protection orders was introduced by the Anti-Social Behaviour, Crime and Policing Act 2014. It replaces the old system of dog control orders under the Clean Neighbourhoods and Environment Act 2005.

    In Scotland, The Dog Fouling (Scotland) Act 2003 makes it an offence for a person in charge of a dog in a public open space, including communal areas but not including agricultural land, not to clear up after the dog has defecated. The maximum fine for the offence is currently 500. Local authorities must authorise at least one person to issue fixed penalty notices for the offence. Fixed penalty notices can be issued by such persons and by the police. The fixed penalty is currently set at 40.

    Visit the Law Search page for full details.

    UKELA is not responsible for the content of external internet sites

    Dallas Personal Injury Lawyers – Texas Accident Attorney

    #the #law #office #of #wt #johnson, #best #dallas #texas #personal #injury #lawyer, #dallas #accident #attorneys, #dallas #tx #serious #injury #attorney, #file #a #lawsuit #in #dallas #texas


    Texas Accident Lawyers

    We’ve won over
    $ 91,000,000
    For our clients.

    Don’t settle for less than you deserve. With help from our aggressive trial attorneys who are also skilled negotiators, you can get the compensation you need to make a full recovery. We know what it takes to win.
    Call us today.

    Dallas Personal Injury Attorneys

    Over 25 Years of Proven Experience

    When it comes to developing expertise in any field, there’s no substitute for experience. Personal injury law can be complex, but with over a quarter century of experience under our belts, the legal team at The Law Office of WT Johnson knows what it’s doing.

    No Risk Representation in Texas

    Accident victims are often hesitant to consult with an attorney because they’re afraid of the high costs involved. We operate on a contingency fee basis. This means our clients don’t have to pay a cent unless they recover damages. You’ve got nothing to lose by contacting our firm. But, you have everything to lose if you wait too long to get started on your claim. If you don’t file your claim before the statute of limitations expires, you won’t be able to collect financial compensation for your injuries. Don’t let that happen.

    Your Dallas Personal Injury Case is Important

    If you have been injured in an accident caused by someone else’s negligence, you have the right to seek fair compensation for your losses.

    • How do I file a claim?
    • How will I pay my medical bills?
    • How do I deal with lost wages from missing work?
    • Should I talk to the insurance company?
    • How long will my case take?

    If you find yourself asking any of these questions, contact us. Our staff can deal with the party responsible for your injuries and their insurance companies. Let us take the burden off your shoulders and handle your personal injury claim from start to finish. Don’t settle for less by attempting to battle the insurance companies on your own.

    Types of Injury Claims We Focus On

    At The Law Office of WT Johnson, we handle all kinds of personal injury claims. Our main focus areas include:

    Many personal injury cases are the result of car accidents. Often, these cases leave victims permanently injured, disfigured, or with medical conditions that can affect them for the rest of their lives. The Law Office of WT Johnson won a $500,000 settlement on behalf of auto accident victim, even though the total of their medical bills was only $29,000.

    Texas is a big trucking state. Commercial truck accidents happen around Dallas and the rest of the Lone Star state every day. Accidents involving trucks can do major damage because of how much bigger they are than other cars and motorcycles.

    Anything you buy comes with a promise from the manufacturer, distributor, and retailer that it’s safe to use. Design defects, manufacturing defects, or marketing errors can all lead to you getting hurt. Our firm has won many product liability lawsuits on behalf of our clients, including a recent confidential settlement for a victim injured by a defective table saw.

    Texas has more nursing homes than almost every other state. We want to think the people we trust to care for our elderly family members provide the best living situation for them. This isn’t always the case, however. Let us help you defend your loved ones when they can’t do it for themselves. Our firm recently won a confidential settlement in a case of nursing home sexual abuse.

    Contact a Dallas Injury Attorney

    When you or a loved one has been injured, things can get difficult. You may need help with medical bills, lost wages, and any number of related expenses. The Law Office of WT Johnson can help.

    Contact us at (800) 738-4046 today.

    Esenzioni per invalidita del lavoro, civili, servizio, reddito, donatori di organo, internati – ( S, L, C, E, T01, F01 ), reddito massimo per esenzione ticket.

    #Reddito #massimo #per #esenzione #ticket

    Esenzioni per invalidita’ del lavoro, civili, servizio, reddito, donatori di organo, internati – ( S . L . C . E . T01, F01 )

    Esenzioni per invalidita’ del lavoro, civili, servizio, reddito, donatori di organo, internati – ( S . L . C . E . T01, F01 )

    Da Wiki.


    Esenzioni di tipo S, L, C, E, F01, T01

    Il medico prescrittore deve riportare nelle caselle della ricetta predisposte a questo scopo il codice di esenzione che identificano la categoria di appartenenza.

    Prescrivibili massimo 2 pezzi (statine massimo 1 pezzo, dal 01.02.2014 max 2 pezzi; antibiotici iniettabili monodose e fiale ad esclusivo uso fleboclisi fino a 6 pezzi);

    SI differenza dal prezzo di riferimento;

    SI differenza dal prezzo massimo di rimborso per i PPI.


    Grandi invalidi del lavoro – dall’80% al 100% di invalidità – (ex art. 6 comma 1 lett. B del D.M. 01.02.1991).

    Invalidi del lavoro con riduzione della capacità lavorativa > 2/3 – dal 67% al 79% di invalidità – (ex art. 6 comma 1 lett. b del D.M. 01.02.1991).

    Invalidi del lavoro con riduzione della capacità lavorativa < 2/3 – dall’1% al 66% di invalidità – (ex art. 6 comma 2 lett. b del D.M. 01.02.1991).

    Infortunati sul lavoro o affetti da malattie professionali (ex art. 6 comma 2 lett. c del D.M. 01.02.1991).


    Grandi invalidi per servizio appartenenti alla 1a categoria – titolari di specifica pensione – (ex art. 6 comma 1 lett. c del D.M. 01.02.1991).

    Invalidi per servizio appartenenti alle categorie dalla 2a alla 5a (ex art. 6 comma 1 lett. c del D.M. 01.02.1991).

    Invalidi per servizio appartenenti alle categorie dalla 6a alla 8a (ex art. 6 comma 2 lett. d del D.M. 01.02.1991).

    Obiettori di coscienza in servizio civile (ex art. 6, comma 1, L. 8 luglio 1998, n. 230).


    Invalidi civili al 100% di invalidità senza indennità di accompagnamento (ex art. 6 comma 1 lett. d del D.M. 01.02.1991).

    Invalidi civili al 100% di invalidità con indennità di accompagnamento (ex art. 6 comma 1 lett. d del D.M. 01.02.1991).

    Invalidi civili con riduzione della capacità lavorativa > 2/3 – dal 67% al 99% di invalidità – (ex art. 6 comma 1 lett. d del D.M. 01.02.1991).

    Invalidi civili minori di 18 anni con indennità di frequenza ex art. 1 L. n. 289/90 (ex art. 5 comma 6 del D.Lgs. 124/1998).

    Ciechi assoluti o con residuo visivo binoculare fino a 1/20.


    Con il Decreto Commissariale U0016 del 23.03.2011 la Regione, di concerto con il Ministero dell’Economia e delle Finanze, ha voluto effettuare un riordino del monitoraggio della spesa sanitaria ed in particolare sulla verifica delle esenzioni per reddito (E01, E02, E03, E04).

    Il decreto, in vigore dal 1° aprile p.v. e commentato anche dalla circolare regionale n. 61867 del 23.03.2011 stabilisce che l’esenzione per reddito non è più effettuata dall’assistito con la firma di autocertificazione sulla ricetta, ma è inserito dal medico su espressa richiesta dell’assistito stesso.

    È previsto, tuttavia, un sistema a doppio regime: infatti sino al 30 giugno 2011 potranno convivere il vecchio sistema di autocertificazione (apposizione del codice E. biffatura della R e firma dell’assistito con le consuete modalità a tutti note), ed il nuovo sistema.

    Ricette con data di prescrizione compresa tra il 1° aprile ed il 30.06: doppio regime

    In questi casi raffigurati a destra l’assistito:

    • NON deve corrispondere il ticket;
    • deve corrispondere l’eventuale differenza di prezzo.

    In questo caso raffigurato a sinistra l’assistito:

    =>> deve corrispondere il ticket;

    =>> deve corrispondere l’eventuale differenza di prezzo se presente.

    Gli esempi sopra riportati sono riferiti alla E01, ma altrettanto validi per E02, E03, E04.

    Ricette con data di prescrizione uguale o successiva al 1° luglio 2011: comanda la N

    In questi casi raffigurati a destra l’assistito:

    • NON deve corrispondere il ticket;
    • deve corrispondere l’eventuale differenza di prezzo.

    In questo caso raffigurato a sinistra l’assistito:

    =>> deve corrispondere il ticket;

    =>> deve corrispondere l’eventuale differenza di prezzo se presente.

    Gli esempi sopra riportati sono riferiti alla E01, ma altrettanto validi per E02, E03, E04.

    Soggetti con meno di 6 anni o più di 65 anni con reddito familiare inferiore a 36.151,98 euro (ex art. 8, comma 16 della L. 537/1993 e succ. modifiche e integrazioni).

    Disoccupati – e loro familiari a carico – con reddito familiare inferiore a 8.263,31 euro incrementato a 11.362,05 euro in presenza del coniuge ed in ragione di ulteriori 516 euro per ogni figlio a carico (ex art. 8 comma 16 della L. 537/1993 e succ. modifiche e integrazioni).

    Titolari di assegno (ex pensione) sociale – e loro familiari a carico – (art. 8 comma 16 della L. 537/1993 e succ. modifiche e integrazioni).

    Titolari di pensione al minimo, con più di 60 anni – e loro familiari a carico – – con reddito familiare inferiore a 8.263,31 euro incrementato a 11.362,05 euro in presenza del coniuge ed in ragione di ulteriori 516 euro per ogni figlio a carico (ex art. 8 comma 16 della L. 537/1993 e succ. modifiche e integrazioni).

    E05, E06, E07, E08, X01

    Nuove esenzioni introdotte dalla Regione Lazio in data 23.06.2014. clicca qui per aprire il commento dettagliato.

    REDDITO: precedente normativa in vigore sino al 31.03.2011

    L’apposizione dell’esenzione per condizione di reddito è a cura della farmacia che, dopo aver riportato l’esenzione di tipo E. nelle apposite caselle dovrà barrare la casella contrassegnata dalla lettera R e far obbligatoriamente firmare l’assistito. Come evidenziato dalla circolare prot. n. 108107 del 18.09.2008 della Regione Lazio, Trattandosi di autodichiarazione di condizioni reddittuali certificate da parte dell’assistito, con relativa firma dello stesso, in caso di falsa dichiarazione non si configura alcuna responsabilità per la farmacia.

    Arbeitsbühnen Stuttgart, Hebebühnen, hebebühne verleih.

    #Hebebühne #verleih

    Arbeitsbühnen in Stuttgart und bundesweit mieten

    Herzlich Willkommen bei der Ferdinand Scheurer GmbH, Ihrem erfahrenen Partner für Arbeitsbühnen, Hebebühnen, Stapler und vieles mehr im Raum Stuttgart. Als Spezialist für das Lösen von Höhenzugangsproblemen halten wir für jeden Anlass die passende Bühne bereit. Unser 24h-Service sichert Ihnen eine reibungslose Miete – auch am Wochenende.

    Rufen Sie uns an: 07161 9141516

    Hebebühne verleih

    Hebebühne verleih

    Hebebühne verleih

    Hebebühne verleih

    Hebebühne verleih

    Hebebühne verleih

    Hebebühne verleih

    Hebebühne verleih

    Arbeitsbühnen und Hebebühnen in Stuttgart und in Ihrer Nähe

    Wenn Sie über uns eine Hebebühne in Stuttgart oder in einer unserer weiteren Mietstationen mieten, entscheiden Sie sich für ein qualitätsbewusstes Unternehmen mit einem engagierten Team und jahrelanger Erfahrung auf dem Gebiet der Höhenzugangstechnik. So können wir Ihnen immer das passende Gerät für Ihren Einsatz bereitstellen.

    Darüber hinaus sind wir Partner im Verleihnetzwerk der AVS SYSTEM LIFT AG. Das bedeutet für Sie, dass Ihnen nicht nur die Fahrzeuge unserer eigenen Fuhrparks in der Region Stuttgart zur Verfügung stehen, sondern dass wir Ihnen mehr als 9.300 erstklassig gewartete Hebe- und Arbeitsbühnen und 2.000 Stapler aus bundesweiten Beständen sowie aus Österreich und der Schweiz bieten können. Somit ermöglichen wir Ihnen stets einen schnellen Einsatz der von Ihnen benötigten Geräte und können auch Anfragen nach mehreren Modellen des gleichen Typs unmittelbar bedienen.

    Arbeitsbühnen und Hebebühnen

    Profitieren Sie von höchster Qualität und einem erstklassigen Service

    Wir garantieren Ihnen immer die beste Qualität. So stammen unsere Arbeitsbühnen und Stapler von namenhaften Herstellern wie unter anderem Ruthmann, Genie, JLG, Palfinger und Haulotte. Durch die hauseigene Werkstatt ist unser Fuhrpark immer bestens gewartet – was selbstverständlich auch für die gebrauchten Bühnen gilt, die wir zum Verkauf anbieten. Unser vielseitiges Mietprogramm beinhaltet die verschiedensten Geräte: Bei uns finden Sie von der Anhängerbühne über LKW-Arbeitsbühnen, Teleskop-Arbeitsbühnen, Gelenkteleskop-Arbeitsbühnen, Scherenarbeitsbühnen und Spezialarbeitsbühnen bis hin zu unterschiedlichen Staplern genau das, was Sie für Ihre Branche oder Ihr Projekt benötigen.

    Dabei steht Ihnen unser gesamtes Team jederzeit kompetent zur Seite. Egal, ob Sie Fassaden-, Montage-, Restaurations- oder Reinigungsarbeiten in größer Höhe oder schwer zugänglichen Bereichen vornehmen möchten – wir liefern Ihnen das dazu notwendige Gerät. Die Ferdinand Scheurer GmbH steht für eine fachmännische Beratung und einen schnellen, zuverlässigen Verleih. Für unsere erstklassige Qualität wurden wir schon mehrfach ausgezeichnet.

    Bedienerschulungen für Arbeitsbühnen und Hebebühnen

    Zudem bieten wir spezielle Schulungen, unsere SYSTEM CARD Schulungen, für unsere Hebebühnen und Stapler an. Diese können wir auf unserem Gelände im Großraum Stuttgart oder auf Wunsch auch gern direkt bei Ihnen im Unternehmen durchführen. Ziel ist es, Ihnen und Ihren Mitarbeitern eine Einweisung in die fachgerechte Nutzung der Geräte zu geben – in Theorie und Praxis. Das verbessert nicht nur die Effizienz beim Arbeitseinsatz, sondern beugt Unfällen und Sachschäden vor. Nach Abschluss der Schulung erhalten Sie international gültige SYSTEM CARD. Unsere Schulungstermine finden Sie hier.

    Arbeitsbühnen in Stuttgart

    Für weitere Informationen, Buchungsanfragen und Terminabsprachen erreichen Sie uns per Telefon unter 07161 / 9141516 und über unser Online-Formular. Selbstverständlich wird Ihr Anliegen umgehend bearbeitet und Sie erhalten in Kürze Rückmeldung.

    Wenn Sie sich von unserem Fuhrpark überzeugen möchten oder bereits planen, eine Hebebühne bei uns zu mieten, profitieren Sie von unserer Lage – von Stuttgart aus sind unser Hauptstandort in Göppingen, die Niederlassung in Schwäbisch Gmünd und die Übergabestation in Kirchheim unter Teck komfortabel und schnell zu erreichen. Hinweise zur Anfahrt finden Sie hier.

    Wir freuen uns darauf, zur erfolgreichen Umsetzung Ihres Projektes beizutragen!

    Schon gewusst? Als Partner des Netzwerks Arbeitsbühnen Vermiet Service: AVS SYSTEM LIFT AG haben wir bundesweiten Zugriff auf über 9.300 Arbeitsbühnen, Hebebühnen ]und Spezialbühnen sowie mehr als 2.000 Stapler. Ob Sie nun für den Innen- oder Außenbereich Arbeitsbühnen mieten wollen, für Geländearbeiten oder auf festem Untergrund: Wir haben die passende Spezialbühne in Ihrer Nähe. Mehr Informationen zu System Lift unter

    Rufen Sie uns an: 07161 9141516

    Schauen Sie sich unsere neuesten Videos über uns und unsere Arbeitsbühnen an. Hier klicken

    Per saldo – Definición y sinónimos de per saldo en el diccionario alemán, per saldo aller ansprüche bedeutung.

    #Per #saldo #aller #ansprüche #bedeutung

    Significado de “per saldo” en el diccionario de alemán

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutungdefinición de per saldo en el diccionario alemán

    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutung

    Sinónimos y antónimos de per saldo en el diccionario alemán de sinónimos

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Traductor en línea con la traducción de per saldo a 20 idiomas

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutung

    Traductor alemán – Chino

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Español

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Inglés

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Hindi

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Árabe

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Ruso

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Portugués

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Francés

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Alemán

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Japonés

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Coreano

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Vietnamita

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Italiano

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Polaco

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Ucraniano

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Rumano

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Griego

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Afrikáans

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Sueco

    Per saldo aller ansprüche bedeutung

    Traductor alemán – Noruego

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Per saldo en español se dice neto Per saldo aller ansprüche bedeutung [Play]

    Per saldo en inglés se dice net Per saldo aller ansprüche bedeutung [Play]

    Per saldo en francés se dice net Per saldo aller ansprüche bedeutung [Play]

    Per saldo en italiano se dice netto Per saldo aller ansprüche bedeutung [Play]

    Per saldo en portugués se dice rede Per saldo aller ansprüche bedeutung [Play]

    Tendencias de uso de la palabra per saldo

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutung

    Citas, bibliografía en alemán y actualidad sobre per saldo

    Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung


    Per saldo aller ansprüche bedeutung Per saldo aller ansprüche bedeutung Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung Per saldo aller ansprüche bedeutung Per saldo aller ansprüche bedeutung

    Per saldo aller ansprüche bedeutung Per saldo aller ansprüche bedeutung Per saldo aller ansprüche bedeutung

    RCAMPER – Assicurazione Camper Preventivo Online, gerling versicherung.

    #Gerling #versicherung

    Calcola subito un preventivo

    personalizzato per la tua

    facile e veloce !

    conoscere i vantaggi esclusivi della nostra offerta

    Scopri come attivare la polizza dopo aver richiesto un preventivo personalizzato

    basterà seguire questi 3 semplici passi

    • Documento di identità in copia fronte/retro;
    • Codice Fiscale;
    • Libretto di circolazione in copia fronte/retro;
    • Dichiarazione di non circolazione del mezzo da assicurare in caso di presenza di attestato di rischio scaduto;
    • Modulo informativa vendita a distanza sottoscritto;
    • Modulo informativa Privacy sottoscritto.

    Al ricevimento di quanto indicato sopra verrà confermata la rata di premio da pagare.

    • Polizza da controfirmare;
    • Questionario di Adeguatezza;
    • Modelli 7.A e 7.B;
    • Modulo per il trattamento dei dati personali.

    Il Suo certificato di assicurazione e pagamento e la Sua carta verde sono presenti sul sito istituzionale nella Sua Area Riservata dedicata.

    • una copia di polizza;
    • Modello 7.B;
    • Questionario di adeguatezza;
    • Modulo per il consenso al trattamento dei dati personali.

    e le condizioni generali della nostra offerta


    • Fascicolo informativo Linea Strada inCamper – RCAMPER (PDF)
    • Modulo informativa sulla vendita a distanza (PDF)
    • Allegati 7A e 7B (PDF)
    • Informativa sulla privacy (PDF)
    • Modulo richiesta variazione contrattuale (PDF)
    • Autocertificazione smarrimento documenti (PDF)
    • Intestazione richiesta risarcimento Danni (PDF)
    • Modulo Blu-Constatazione amichevole (PDF)
    • Informativa al contraente autovettura (PDF)
    • Informativa al contraente autobus macchine agricole (PDF)
    • Informativa al contraente ciclomotori e motocicli (PDF)
    • Informativa sulle provvigioni (PDF)
    • Informativa al reclamante (PDF)
    • incendio del fabbricato;
    • incendio del contenuto dell’abitazione e dell’autocaravan;
    • richieste di risarcimento per danni involontariamente cagionati a terzi;

    Inoltre la copertura è estesa al furto degli oggetti personali custoditi all’interno dell’autocaravan.

    • Fascicolo informativo InCamper Casa (PDF)
    • Scheda prodotto (PDF)

    documentazione necessaria e verrai contattato da un Nostro Consulente!

    Créditos Hipotecarios, hipotecas privadas en pesos.

    #Hipotecas #privadas #en #pesos


    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Hipotecas privadas en pesos

    Créditos Hipotecarios поделился(-ась) своей публикацией.

    Créditos Hipotecarios

    Créditos hipotecarios privados para todo destino, desde U$S 5.000 hasta el 40% del valor de la propiedad puesta en garantía. Cuotas fijas hasta 60 meses. Operatoria rápida y sencilla, sin ningún gasto adelantado. (011) 4481-3509, Amplia información…

    Hipotecas privadas en pesos

    Hipotecas Privadas

    Créditos Hipotecarios

    Créditos hipotecarios privados para todo destino, desde U$S 5.000 hasta el 40% del valor de la propiedad puesta en garantía. Cuotas fijas hasta 60 meses. Operatoria rápida y sencilla, sin ningún gasto adelantado. (011) 4481-3509, Amplia información telefónica.

    Hipotecas privadas en pesos

    Hipoteca reversible, Derecho y Academia, hipoteca reversible.

    #Hipoteca #reversible

    Derecho y Academia

    Hipoteca reversible

    Hipoteca inversa

    El 2 de julio de 2015 la Cámara de Diputados aprobó, por amplia mayoría (44 votos a favor, 6 en contra y 15 abstenciones), la resolución Nº 333. Por ella, se solicitaba a la Presidenta de la República que instruya al Ministro de Hacienda que estudie y evalúe la posibilidad de enviar al Congreso un proyecto de ley que amplíe el giro de la Caja de Crédito Prendario, o se cree un nuevo servicio público, a fin de dar la posibilidad a los adultos mayores de hipotecar un inmueble de su propiedad. La hipoteca tendría por finalidad que puedan recibir el equivalente al valor comercial del inmueble en cuotas mensuales, mejorando así su pensión y nivel de vida. A su fallecimiento, los herederos podrían pagar el crédito o, en caso contrario, dar la propiedad hipoteca para que con ella se satisfaga en su totalidad (Ver detalles de propuesta).

    La noticia fue comunicada, en general, como si lo que se propusiera fuera mejorar las bajas pensiones de los jubilados a través de una hipoteca que pondría en riesgo el único bien que han podido adquirir después de toda una vida de esfuerzos. Un medio tituló: “Increíble: Cámara de Diputados aprobó Proyecto para que jubilados aumenten pensiones hipotecando sus viviendas”. El presidente de la Conadecus (Corporación Nacional de Consumidores y Usuarios), Hernán Calderón, calificó la iniciativa de “aberración” y en las redes sociales cundieron los mensajes de indignación e incredulidad frente a lo que se llegó a calificar como “Proyecto Eurolatina”, en alusión a la empresa que defraudó a miles de personas con prestamos hipotecarios usureros. En este ambiente, la Presidente Michelle Bachelet se apresuró a declarar públicamente su rechazo a la propuesta: “queremos que las pensiones sean mejores por derecho y no porque se endeudan, hipotecan la casa o tengan que vender lo que han juntado durante toda una vida”, afirmó en una actividad en Calera de Tango el pasado 7 de julio.

    Pareciera que la forma en la que se comunicó la propuesta conspiró contra su comprensión e impidió que se reflexionara sobre su contenido real. Lo que se estaba proponiendo no es más que una institución jurídica que es ya bastante conocida en diferentes países cuyas leyes la contemplan sin mayores dificultades. En los sistemas continentales se la denomina hipoteca inversa, invertida o reversible, y proviene de lo que en el common law se conoce como “reverse mortgage”.

    Si hacemos un poco de historia, la institución parece haber nacido en Inglaterra en la década de los 30 del siglo pasado. Su primer antecedente es la llamada Home Equity Reversión, que en 1965 daría lugar a lo que hoy se conoce y practica como reverse mortgage. En Estados Unidos, la primera hipoteca inversa fue pactada en 1961 en favor de una viuda de un entrenador de fúbol americana y se ha seguido ofreciendo en el mercado financiero privado. En la década de los ochenta se discutieron en el Senado algunas iniciativas para que el gobierno se involucrara mediante un programa general para ayudar a las personas ancianas a mantener su vivienda pero obteniendo liquidez, garantizada por hipoteca. En 1988 se promulgó una ley que permite que el Estado Federal asegure estas operaciones, y al año siguiente se da el inicio a un plan supervisado por la Federal Housing Administration (FHA) y que se denomina Home Equity Conversion Mortgage, HECM. En 1998, este programa, que se había creado ad experimentum, ante el éxito alcanzado, se convierte en definitivo a través de la HUD Appropriations Act. Este programa estatal se mantiene vigente, con diversos ajustes (Ver sitio web ).

    Del ámbito anglosajón la hipoteca inversa ha emigrado con éxito a países del sistema latino-continental. Así, por ejemplo, en Francia se aprobó la hipoteca inversa bajo la denominación de “prêt viager hypothécaire” y se introdujo en el Código del Consumo (art. 314) mediante la Ordenanza n° 2006-346 de 23 de marzo de 2006. Al año siguiente, se consagró en la legislación española a través de la Ley 41 de 7 de diciembre de 2007. La institución existe también en países como en Australia, Canadá, Dinamarca, Holanda, Japón, Noruega y Suecia. En 2013 se introdujo en el Estado de México (art. 7.1144 bis Código Civil del Estado de México, incorporado por Decreto Nº 87, de 7 de mayo de 2013).

    Aunque la hipoteca inversa admite varias modalidades, la principal es aquella por la cual un propietario de un inmueble que sirve de residencia, que está ya en la tercera edad, puede obtener de una institución financiera una cantidad de dinero periódica durante lo que reste de su vida, constituyendo una garantía sobre la vivienda, para que al morir, la institución se pague de la totalidad de los recursos adelantados mediante la ejecución del inmueble, salvo que el o los herederos quieran retener la propiedad y se avengan a pagar el monto del crédito.

    Se denomina hipoteca porque se trata de una garantía sobre inmuebles, que da derecho al acreedor a ejecutar el bien y a imputar el producto de la venta al pago del crédito. El calificativo de “inversa”, “invertida” o “reversible” procede de la comparación con el crédito hipotecario que permite adquirir una vivienda. En este último se pide el préstamo por una suma global (con la cual se adquiere el inmueble) y el deudor va pagando periódicamente el dividendo hasta conseguir finalmente alzar la hipoteca y gozar del dominio pleno de una vivienda. En cambio, en la hipoteca inversa se parte de un inmueble que ya ha sido adquirido (y que no tiene gravámenes) y el crédito se va otorgando al deudor por cuotas periódicas y sólo se determina en su monto global cuando se conoce el fallecimiento de esta persona.

    Como se ve, la figura no tiene relación directa con las pensiones o jubilaciones. Da lo mismo que el beneficiario sea o no pensionado y qué monto de pensión recibe. Tampoco se trata de que a los ancianos se les vaya a arrebatar el inmueble que han logrado adquirir con los ahorros de toda su vida. La hipoteca inversa tiene como una de sus ventajas permitirle al adulto mayor gozar en vida del patrimonio inmobiliario que logró adquirir. Se evita, así, que se vea forzado a vender su casa para obtener un ingreso monetario que necesite por diversas causas, así como que los hijos los fuerzen a vender esa inmueble y los reciban como allegados en sus hogares o los internen en alguna residencia para ancianos. La hipoteca inversa mantiene al beneficiario como dueño de su casa con todos los derechos para seguir viviendo en ella por el resto de sus días. Los perjudicados son, por supuesto, los herederos, que perderán la perspectiva de adquirir gratuitamente la propiedad. Pero como estamos hablando de la sucesión hereditaria de adultos mayores cuya expectativa de vida es cada día más larga, lo más probable es que, al morir, sus herederos sean ya mayores de edad, tengan una posición económica consolidada y no necesiten el incremento patrimonial como el inmueble de su causante. Cuando se trate de matrimonios lo ideal es que la hipoteca reversible se contrate por toda la vida de cualquiera de los cónyuges, de manera que si uno de ellos fallece el otro pueda seguir viviendo en el inmueble familiar hasta su propia muerte.

    Por cierto, una figura como ésta debe ser bien regulada y, muchas veces, necesitará un seguro o apoyo estatal, para que se cumplan sus objetivos de favorecer a las personas de mayor edad y no se preste para abusos. Por ello, seguramente, la propuesta visceralmente rechazada sólo permitía que la operación se financiara por un organismo público, como la Caja de Crédito Prendario.

    Esperemos que lleguen tiempos mejores en los que la introducción de esta novedosa institución de ayuda la tercera edad, aplicable también a personas dependientes por discapacidad, pueda ser estudiada con la serenidad y la racionalidad que se merece.

    Immobilier – Pau et Nay (64) avec Libre Immo, immo a vendre.

    #Immo #a #vendre


    agences immobilières à frais réduits

    Recherchez votre bien

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    Libre-Immo – Agences immobilières dans les Pyrénées-Atlantiques

    Libre-Immo, réseau d’agences immobilières, vous permet de profiter d’honoraires d’agence à frais réduits, afin d’acheter, vendre ou louer votre maison sur le secteur de Pau, maison sur la Plaine de Nay ou bien encore votre appartement.

    Pour un suivi de votre projet d’achat, de vente ou de location, garantissez-vous les services de qualité d’un professionnel de l’immobilier proche de chez vous, afin de gagner du temps et de l’argent en toute sécurité.

    Vous souhaitez acheter une maison, un appartement, un terrain, un immeuble ou un local commercial, consultez tous nos biens à vendre sur la plaine de Nay avec notre agence immobilière de Nay.

    Profitez également de tous les services de notre équipe spécialiste du secteur Pau et agglomération Paloise avec notre agence immobilière de Pau.

    Libre-Immo est le réseau spécialiste de l’immobilier à frais réduits dans les Pyrénées-Atlantiques (64) et vous propose une large sélection d’annonces immobilières pour faciliter votre recherche.

    Acces direct aux rubriques :

    10, bis allée Chanzy

    Tél: 05 59 13 43 43

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    Tél: 05 59 83 91 56

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    Structure juridique : SARL PAGNY IMMOBILIER

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    Garantie financière Néant sans maniement de fonds

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    Garantie financière 110 000 € covéa caution SA, 34 place de la république 72013 LE MANS CEDEX 2

    Siège social :10 bis allée Chanzy 64800 NAY

    Propriétaire du site Internet : PAGNY IMMOBILIER

    Conformément à la loi du 6 janvier 1978 relative à l’informatique, aux fichiers et aux libertés, nous vous informons que vous disposez d’un droit d’accès, de modification, de rectification et de suppression des données qui vous concernent.

    Les informations recueillies par le biais des formulaires ne seront pas divulguées à des personnes autres que celles composants notre établissement. Certaines des informations de ces formulaires sont facultatives, d’autres obligatoires et clairement indiquées comme telles afin que vos réponses soient suffisantes pour nous permettre de traiter l’information.

    Les listes de diffusion de LIBRE IMMO sont absolument confidentielles. Si votre E-mail y figure, il ne sera en aucun cas communiqué à des tiers. Vous avez, à tout moment, la possibilité de modifier votre E-mail ou de le désactiver si vous souhaitez ne plus figurer dans ce fichier. Pour valider l’une de ces rectifications, vous pouvez nous contacter.

    Calcul de vos mensualités

    Cette calculette vous permet de déterminer :

    – le montant de vos mensualités de remboursement du capital à emprunter

    Renseignez simplement les informations demandées puis validez votre opération.

    Préstamos Personales Online, Credilikeme, creditos personales rapidos.

    #Creditos #personales #rapidos

    Creditos personales rapidos

    100% Online, Rápidos y Confiables

    Si es así, entonces estás en el lugar correcto.

    Creditos personales rapidos

    Credilikeme es una empresa que otorga préstamos personales desde $2,000 a $12,000 pesos. El trámite es rápido, sencillo y totalmente online.

    ¿Cuáles son los requisitos para que me den mi préstamo?

    Tener un historial crediticio sano

    Tener entre 18 y 55 años

    Tener identificación vigente (INE/IFE)

    Contar con una cuenta bancaria propia

    ¿Cuáles son los pasos para obtener mi préstamo online?

    1. Cumplir con los requisitos mencionados anteriormente

    2. Llenar la solicitud de préstamo a través de nuestra app

    3. Una vez que llenes tu solicitud revisaremos tus datos

    4. Si cumples con todo estaremos haciéndote el depósito a tu cuenta bancaria

    La escalera de la confianza

    Una de las razones principales por las que somos diferentes y por las cuales miles de “jugadores” han recibido préstamos online de nuestra parte es por nuestro sistema de recompensas que se explica claramente a través de la escalera de la confianza.

    Creditos personales rapidos

    Si eres responsable, comprometido y puntal con tus pagos te reconoceremos premiándote con más plazo, más monto y menos interés en tus próximos préstamos personales. Además te daremos medallas que puedes compartir con tus amigos, teniendo la posibilidad de entrar a nuestras ya famosas rifas mensuales en donde podrás ganar grandes premios.

    Para nosotros es muy importante que el crédito que estas adquiriendo sea adecuado para tus finanzas. Por ello seguimos los siguientes lineamientos:

    ¿Porque habrías de creernos?

    Nuestra información está disponible en el Registro de Prestadores de Servicios Financieros (SIPRES) que es la plataforma de la CONDUSEF que avala la formalidad de las instituciones financieras por medio de obligaciones de ley. Cualquier persona puede verificar que se cumplen con estos lineamientos con la clave encontrada en el portal oficial de Credilikeme.

    Cualquier duda o comentario estamos para servirte.

    Raleigh, North Carolina Personal Injury Attorney

    #north #carolina #injury #attorneys


    Raleigh Personal Injury Attorneys

    Proudly representing Raleigh, Durham, Chapel Hill & nearby areas of North Carolina

    If you’ve suffered a serious personal injury due to the negligence of another, it’s critical that you hire an experienced personal injury attorney to fight for the compensation you deserve. When facing costly medical bills and lost wages while you’re at home recovering, it can be difficult to stay afloat financially. At Wilson Law, P.A. , we’ll stand by your side every step of the way to help you get through this difficult time in your life.

    Kimberly Wilson White has been fighting for the rights of personal injury victims for over 15 years, and has been practicing in the Raleigh/Durham/Chapel Hill area since 2000. The entire Wilson Law, P.A. team has more than 70 years of combined experience, and it is committed to aggressively pursuing the compensation you need to move on with your life.

    The best way to learn about your rights and options after suffering a serious injury is to speak with one of our Raleigh personal injury lawyers in person. Please call 919-890-0180 today to schedule your free consultation .

    An Advocate for Plaintiff’s Rights

    During her career, Kimberly Wilson White has been an aggressive advocate for plaintiff’s rights. She is committed to improving the current system in order to ensure personal injury victims aren’t denied access to the justice they deserve. Her efforts include working on tort reform laws and being a vocal advocate in North Carolina plaintiff’s rights issues when they arise.

    Please contact Wilson Law, P.A. using the form on this page or call 919-890-0180 today to schedule your free consultation. Our personal injury attorneys serve clients in Raleigh, Durham, Chapel Hill and throughout North Carolina.

    5 Reasons to Hire a Raleigh Personal Injury Attorney

    • 1. The insurance company has a lawyer, in fact, probably a hundred lawyers protecting the company’s interests.
    • 2. The insurance adjuster’s job is to gather evidence favorable for the insurance company to limit its financial exposure.
    • 3. The insurance company knows how to assess the damages from the claim and would prefer if a lawyer is not involved.
    • 4. The insurance company knows that an injured party needs money right now and will take advantage of that distress.
    • 5. The claims adjuster is an experienced negotiator. The victim likely is not. Hiring a lawyer levels the playing field.
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    “She has a passion and works with her clients in a tenacious way to get the best outcomes for them. We highly recommend Wilson Law.” – Hunter, Client

    What is Oracle RMAN (Oracle Recovery Manager)? Definition from

    #oracle #backup #and #recovery #g

    Oracle RMAN (Oracle Recovery Manager)

    Oracle RMAN (Oracle Recovery Manager) is a utility built into Oracle databases to automate backup and recovery ; it includes features not available in third-party backup tools. RMAN was introduced in Oracle release 8.0.

    Download this free guide

    Drill down into today’s new backup approaches

    Due to the features of most modern backup software – which include snapshot management, DR elements, cloud support, VM protection – backups can do so much more than simply restoring data in the event of a storage or server failure. Download this guide and not only discover the latest upgrades to today’s top enterprise backup vendors, but also learn where backup software works best in your computing environment.

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    Database administrators (DBAs) can use RMAN to protect data on Oracle databases rather than requiring data backup administrators to initiate them.

    An Oracle database client, RMAN automates administration of backup strategies and ensures database integrity. Block-level corruption detection is provided during backup and restore. Backup techniques such as parallelization of backup/restore data streams. a backup files retention policy and a detailed history of backup operations are supported.

    Oracle RMAN handles the underlying maintenance tasks that must be performed before or after any database backup or recovery. It can conduct incremental backups. block media recovery, binary compression. encrypted backups. automated database duplication and cross-platform data conversion.

    How RMAN works

    The RMAN environment must include a target database and the RMAN client. RMAN performs backups on the target database, and the client is the application that manages backup and recovery for the target database.

    RMAN uses a media manager API to work with backup hardware. A user can log in to Oracle RMAN and command it to back up a database. RMAN will then copy the files to the directory specified by the user.

    By default, RMAN creates backups on disk and generates backup sets rather than image copies. Backup sets can be written to disk or tape.

    RMAN is the preferred method of backing up Oracle databases and is included with every copy of Oracle. However, RMAN isn’t always required for Oracle backups. For example, it is possible to back up a cold database without using RMAN. A database that is not mounted can still be backed up at the file level without any database-level tools. Because RMAN was introduced in Oracle release 8.0, organizations with older database releases may not be able to use it.

    RMAN backup commands allow DBAs to manage RMAN by typing a single word or short phrase. Commands are used to run a backup; convert data files; create, update and remove recovery catalog schemas; encrypt backups; initiate a flashback database; display a list of backup sets or copies; create a duplicate database; validate backup sets; and perform other tasks.

    Important RMAN features

    Backup sets. Oracle RMAN stores data in image files or backup sets, which are made up of backup pieces. A backup piece is an RMAN-specific binary file that only RMAN can create or restore. Backup pieces are grouped into a backup set, allowing DBAs to protect multiple data files, control files, server parameter files and archive logs together. RMAN can encrypt and decrypt data written to backup sets.

    RMAN can also back up a copy of an image file. An image copy is an exact replica of a datafile, archive redo log file or control file. RMAN uses data sets by default, but DBAs can choose image copies through a command line.

    Archived redo logs. Redo logs are another key piece of RMAN backup. A redo log stores all changes made to a database, and every Oracle database has an associated redo log. Groups of redo files can be saved off-site in an archived redo log. Archived redo logs allow restoration of a database from an inconsistent backup, which occurs when the database does not shut down normally. An inconsistent backup allows backups to occur when the database is open. Oracle RMAN can also conduct consistent backups, which occur after a database is shut down normally. A consistent backup does not require media recovery to restore the database.

    Flash recovery. RMAN backups are created in the Oracle database flash recovery area (FRA) on disk. The FRA is a directory that contains online and archived redo logs, flashback logs, control files and image copies. When disk space is required for new backups, the Oracle database removes backups that are no longer needed to make room. A DBA sets policies to determine which FRA files are obsolete and can be safely deleted. Files that have been moved to tape are also candidates for removal when disk space is needed. Using a flash recovery area can save time because a DBA does not have to manually delete files to make room for new backups.

    RMAN Oracle Flashback Database and Media Recovery. RMAN can restore data through Oracle Flashbacks or Media Recovery. Flashbacks enable point-in-time recovery that allows DBAs to go back to a previous time, and is used for data corruptions and user errors.

    Media Recovery is used to correct media failures. Archived media files and online redo logs can update data files so they can be restored. Datafile Media Recovery can recover a single lost or damaged file; Block Media Recovery can restore a few blocks of data while the database files remain available.

    Flashback Database, added in Oracle 10g. allows RMAN to restore an entire database to any point in time instead of performing an incomplete recovery. This point-in-time recovery uses a Recovery Writer background process to copy changed blocks from the database buffer cache to a flashback buffer, then copies changes to flashback logs. Restoring with Flashback Database could have a small performance overhead; it is faster than first restoring data files, which is how incomplete recovery works. Flashback Database cannot recover from deletions of individual files or repair disk or tape errors; it can only recover from changes to data files made by the Oracle database.

    Encrypting Backup Sets. RMAN includes three encryption modes: Transparent Encryption, Password Encryption and Dual Mode Encryption. Transparent Encryption uses an Oracle software keystore, which is a password-protected container called a wallet. to store a Transparent Data Encryption (TDE) key. The TDE enables creation and restoration of encrypted backups with no database administrator involvement. The Password Encryption and Dual Mode Encryption modes can be restored with keystore or a password .

    Oracle Database 12c Release 2 rolled out in September 2016 with new RMAN features. They include the ability to perform a Flashback Database to rewind a pluggable database to a point in time, recovery of non-logged data blocks by fetching them from the primary or standby database, recovery of tables or table partitions to a different schema. enhancements to the duplicate command and cross-platform transports, and backup and recovery of sparse databases.

    This was last updated in April 2017

    Continue Reading About Oracle RMAN (Oracle Recovery Manager)

    Related Terms

    cloud disaster recovery (cloud DR) Cloud DR uses an off-site cloud repository to store copies of data that can be restored on-site to keep the business running in. See complete definition encryption Encryption is the conversion of electronic data into another form, called ciphertext, which cannot be easily understood by anyone. See complete definition encryption key management Encryption key management is the administration of tasks involved with protecting, storing, backing up and organizing encryption. See complete definition

    Dig Deeper on Data backup security

    Honda New – Used Car Dealer – Fresno – Clovis, CA

    #car #insurance #fresno #ca


    About Us

    Welcome to Honda North. As a proud member of Penske Automotive Group, we are dedicated to serving all of your automotive needs and providing the best customer experience possible.

    At Honda North, we believe in the reliability, technology, style and value of the Honda brand. Therefore, we’re proud to be home to one of the best selections of new Honda vehicles in the Fresno and Bakersfield metro areas. We have all the latest Honda offerings in stock, including the 2016 Honda CR-V, Honda Accord, and Honda Civic. In addition to our new car inventory, we also have a variety of used Hondas. Certified Pre-Owned Hondas. and used cars from other automakers for you to choose from as well. Browse our inventory online, and then come on in when you’re ready for a test drive. We can’t wait to show you why we’re one of the premier Honda dealerships in Fresno!

    Honda Parts Service

    Honda North is proud to also provide our customers with genuine Honda parts and expert Honda service too. The professional, factory-trained technicians in our Service Department regularly perform all kinds of car repair, including routine maintenance like oil changes and tire rotations, and more serious repairs like transmission servicing and brake replacement. No matter what you’re driving or where you bought it, for the most trusted car repair in Fresno—choose Honda North.

    You can now conveniently schedule service appointments and order Honda parts on our website. You can also use our website to view our current specials and apply for financing .

    Hours of Operation

    Lone Star Air Systems Residential Air Conditioning and Heating Services in Houston, TX

    #star #air #conditioning


    Residential Air Conditioning and Heating in Cypress and Houston, TX

    Properly installed, the right heating, ventilation, and AC systems help provide comfort, a healthy environment, peace of mind, and energy efficiencies to the residents of Houston, Cypress, and the surrounding Texas communities. That’s why Lone Star Air Systems designs, installs, and maintains systems specifically to meet all of our customers’ unique demands. From planning through installation and ongoing maintenance, we’ll make sure your heating, ventilation, and air-conditioning systems operate at peak efficiency today and tomorrow.

    What Set s Us Apart From The Rest?

    Our Mission:

    • Be the premier HVAC Company in our community through honesty and integrity.

    Our Vision:

    • Lone Star Air Systems will be the premier HVAC contractor in the Houston Region. We will be known as the most respected, professional and honest HVAC company and feared by our competition. We will continue to operate with excellence as a team both personally and professionally with integrity and concern for all. We will become the benchmark for all HVAC companies.

    Our Values:

    • Integrity and trust is the foundation of everything we do
    • Accountability for our actions as individuals and as a company
    • Value our employees and embrace work/life balance
    • Excellence in customer service
    • Leadership demonstrated by a shared vision of accountability, trust and respect
    • Success through innovation, quality and teamwork

    Written by Lone Star Air Systems April 17, 2014

    Alternatives to Drug and Alcohol Rehab

    #alternative #drug #rehab


    Alternatives to Drug and Alcohol Rehab

    Find Fast

    If you have a substance abuse problem, you might be considering ways to get help becoming drug-free. There are drug and alcohol addiction recovery programs available all over the country, but some people choose to stop using drugs on their own.

    If you are considering quitting on your own, it is worthwhile to look at all of the options available to you before you make a decision. Keep in mind that although rehab is usually the best course for long-term successful recovery, each person is different and some people can stop using drugs without attending rehab.

    Community Addiction Treatment

    Alcoholics Anonymous (AA) and other 12-step programs often come to mind first when considering alcohol addiction treatment. The benefits of AA include mentoring from others in recovery and participating in group therapy, which can help you make positive changes in your life.

    The 12-step method isn’t for everyone. Groups like AA are maintained by people who themselves are in recovery not treatment professionals. By design, self-help programs are not facilitated by a trained counselor or therapist. If this is something you are looking for, a traditional addiction rehab may be your best choice.

    To maximize the benefits of self-help groups, consider attending them while also seeking professional addiction counseling and medical care. According to the National Institute on Drug Abuse, 12-step programs can be very effective when combined with more comprehensive treatment. In addition to AA, there are a range of mutual aid groups that are available to help people work through your addiction. These include:

    Each group offers a unique experience that involves empowerment, support, and a sense of community. You can browse through the websites of these different groups to learn more about their mission and approach to recovery before attending.

    If you are interested in seeing what a group has to offer, you can also attend a session and meet members of the group. Connecting with people who know what you are going through can be a powerful aspect of recovery. You want to make sure that you feel safe and accepted in whatever group you may choose to be a part of.

    Quitting Drugs and Alcohol “Cold Turkey”

    Many people wonder if they can quit on their own. Quitting at home involves dealing with both physical withdrawal symptoms and mental cravings, perhaps without anyone’s help.

    Before you attempt to quit “cold turkey,” it might be a good idea to learn about possible side effects so you can be prepared and safe. Every drug has its own unique set of withdrawal symptoms. Some common drug and alcohol withdrawal symptoms may include:

    It may be difficult to stop drinking alcohol or using drugs without medical supervision. However, a large number of people detox on their own. Depending on the person and their situation, detoxing at home can sometimes be successful.

    Unfortunately for many people, quitting “cold turkey” is associated with a high rate of relapse. The term “relapse” refers to a person stopping the use of drugs or alcohol for a period of time and then starting to use again.

    Withdrawal symptoms can be intensely uncomfortable, as is the case with opiate drugs like heroin and opioid painkillers such as OxyContin and Vicodin. In some situations, the withdrawal process can be dangerous. Detoxing from alcohol. benzodiazepines, and other sedative drugs may be life threatening, so it is important to do so under medical supervision.

    Rapid Detox

    Rapid detox was developed by doctors who wanted to reduce the uncomfortable symptoms of withdrawal. Although it sounds like a miracle cure, there is no evidence that rapid detox is as fast and painless as it claims to be.

    The cost of rapid detox ranges from $10,000 to $20,000. This procedure lasts a day or two and clears the person’s body of all opiates or similar drugs.

    If you are considering rapid detox, talk to your doctor about the risks associated with the procedure. Some studies have found that rapid detox can result in potentially serious side effects.

    Rapid detox does not include addiction counseling, which many addiction specialists consider the most important part of treatment.

    Other Alternatives for Addiction Treatment

    Due to stigma, fear, and cost related to drug and alcohol rehab, researchers are studying new ways to treat addiction. Alternatives currently being researched to help treat drug addiction include:

    • Psychedelic drugs. Although these drugs are not currently approved for managing substance use disorders, research is being conducted to determine if certain psychedelic drugs such as psilocybin, ketamine, ibogaine, and ayahuasca may help with drug dependence.
    • Exercise. Studies have found that exercise may be a useful tool in treating drug addiction as well as preventing relapse.

    As researchers continue to find alternatives to traditional drug addiction treatment, the more options a person who is seeking to become drug-free may have.

    Outpatient Addiction Treatment

    Outpatient addiction treatment may be a good option if you don’t want to commit to 24/7 rehab. Classes, medical appointments and counseling sessions are planned to fit in with a normal work or school schedule, and weekend classes are often available. Outpatient addiction treatment allows you to continue with normal life while attending rehab.

    Benefits of Drug and Alcohol Rehab

    A number of alternative options exist for drug and alcohol rehab, but professional treatment is often the recommended course of addiction treatment for the best chance of sustained recovery. Medically supervised detox can help with unpleasant withdrawal symptoms, and trained doctors and counselors can be a valuable benefit to learning new behaviors and ways to become and stay drug-free for life.

    If you would like help finding a rehab program or exploring alternatives to traditional drug and alcohol addiction treatment programs, call 1-888-744-0789 today to speak to a rehab placement specialist who can help you get started on the road to recovery.

    1. Bogenschutz, M.P. Forcehimes, A.A. Pommy, J.A. Wilcox, C.E. Barbosa, P.C.R. Strassman, R.J. (2015). “Psilocybin-assisted treatment for alcohol dependence: A proof-of-concept study.” Journal of Psychopharmacology. 29 (3), 289-299.
    2. Collins, E.D. Kleber, H.D. Whittington, R.A. Heitler, N.E. (2005). “Anesthesia-assisted vs. buprenorphine- or clonidine-assisted heroin detoxification and naltrexone induction: a randomized trial.” Jama. 294(8), 903-913.
    3. Lynch, W.J. Peterson, A.B. Sanchez, V. Abel, J. Smith, M.A. (2013). “Exercise as a novel treatment for drug addiction: a neurobiological and stage-dependent hypothesis.” Neuroscience Biobehavioral Reviews. 37 (8), 1622-1644.
    4. McLellan, A.T. Lewis, D.C. O Brien, C.P. Kleber, H.D. (2000). “Drug dependence, a chronic medical illness: implications for treatment, insurance, and outcomes evaluation.” Jama. 284 (13), 1689-1695.
    5. National Institute on Drug Abuse. (2006). Study Finds Withdrawal No Easier With Ultrarapid Opiate Detox.
    6. Sessa, B. Johnson, M.W. (2015). “Can psychedelic compounds play a part in drug dependence therapy?” The British Journal of Psychiatry. 206 (1), 1-3.
    7. Winkelman, M. (2014). “Psychedelics as medicines for substance abuse rehabilitation: evaluating treatments with LSD, peyote, ibogaine and ayahuasca.” Current Drug Abuse Reviews. 7 (2), 101-116.

    Explore Treatment Options Now

    915 Middle River Drive Suite 114
    Fort Lauderdale, Florida 33304 is a comprehensive guide for the entire treatment process – from spotting issues to find and enrolling into rehabillation. Yet it’s more than that; it’s also an extensive educational resource that includes up to date statistics, policy and regulation information as well as a section on careers in the industry. If that’s not enough, this site also cover a list of hot button issues that can be found on the blog and in the infographics library.

    How Our Help Line Works

    For those seeking addiction treatment for themselves or a loved one, the help line is a private and convenient solution. These centers, that pay to be help line supporters, have caring advisors standing by 24/7 to discuss your treatment options. If you wish to connect with non-sponsor centers, you can browse top-rated listings. visit our homepage and browse by state, or visit SAMHSA.

    Calls to any general helpline (non-facility specific 1-8XX numbers) for your visit will be answered between 5am and 9pm (PT) by American Addiction Centers (AAC) and outside of those hours by one of our paid treatment center sponsors.

    Droits et obligations – Société d habitation du Québec, assurance habitation locataire.

    #Assurance #habitation #locataire

    Droits et obligations – Société d’habitation du Québec

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    • Accueil
    • Mon logement subventionné
    • Droits et obligations

    Mon logement subventionné

    Droits et obligations

    Voici quelques questions et réponses à propos de vos principaux droits et de vos obligations en tant que locataire d’un logement subventionné.

    Quels sont vos principaux droits et vos obligations en tant que locataire?

    • Payer le loyer exigé au moment convenu dans le bail.
    • Utiliser le logement de façon responsable.
    • Effectuer les petites réparations qui s’imposent.
    • Garder la forme ou la fonction (type d’utilisation) du logement.
    • Remettre le logement dans l’état où vous l’avez reçu lorsque vous déménagez.
    • Penser à préserver la tranquillité des autres locataires.

    Votre propriétaire a les obligations suivantes :

    • Livrer le logement à la date convenue, en bon état et propre.
    • Fournir un logement confortable et paisible.
    • Maintenir le logement en bon état.
    • Garantir que le logement peut convenir à un usage normal et l’entretenir à cette fin durant toute la durée du bail.
    • Faire toutes les réparations nécessaires, sauf celles qui sont à la charge du locataire, comme l’entretien de la robinetterie.
    • S’assurer que le nombre d’occupants respecte les conditions de salubrité et de confort.
    • Maintenir la fonction du logement.

    Pour plus de détails, consultez le site de la Régie du logement .

    Quels sont vos droits particuliers en tant que locataire d’un logement subventionné?

    Animaux domestiques dans un HLM

    La Société d’habitation du Québec (SHQ) n’intervient pas en la matière. Le droit d’avoir un animal domestique dans un logement à loyer modique dépend des règlements propres à votre immeuble.

    Les règles à suivre concernant l’utilisation des antennes paraboliques sont établies par votre office d’habitation. Celles qui s’appliquent sont prévues dans le règlement de votre immeuble. Communiquez avec la direction de votre organisme avant d’installer une antenne individuelle afin que l’on puisse vous expliquer les indications techniques à respecter au moment de l’installation.

    Attribution et tarifs des stationnements

    L’office d’habitation doit fournir aux locataires les explications concernant sa politique d’attribution des stationnements et tenter de les accommoder dans la mesure de ses moyens (nombre de places disponibles, liste d’attente, règlement interne sur l’attribution des stationnements le cas échéant).

    Pour sa part, la SHQ s’assure que le Règlement sur les conditions de location des logements à loyer modique est appliqué correctement en ce qui concerne les tarifs mensuels de location des places de stationnement. Elle voit aussi à ce que les pratiques de l’office d’habitation ne soient pas discriminatoires.

    L’utilisation d’un climatiseur doit être autorisée par votre office d’habitation. Si vous en utilisez un, on vous facturera 5 $ par mois pendant les 12 mois de l’année.

    Un locataire peut recevoir ou héberger qui il veut, à la condition que cette ou ces personnes puissent, au besoin, démontrer qu’elles ont un domicile ailleurs. En cas de doute, l’office d’habitation peut aller à la Régie du logement avec des témoins et il reviendra au locataire de prouver, avec des pièces justificatives crédibles, que ses visiteurs n’ont pas élu domicile fixe chez lui. Le locataire est également responsable des comportements dérangeants des personnes qu’il reçoit ou héberge.

    En tant que locataire, vous n’avez pas à demander la permission à votre office d’habitation pour héberger des visiteurs . Cependant, vous avez l’obligation de déclarer toute personne qui s’installe chez vous en permanence, afin que l’office d’habitation puisse ajouter son nom dans le bail pour le calcul du loyer de l’année suivante. L’office d’habitation ne peut pas se servir de cette information pour augmenter le loyer en cours de bail.

    Quelles sont vos responsabilités comme locataire en cas de sinistre?

    Vos responsabilités sont les mêmes que celles d’un locataire de logement sur le marché locatif privé.

    Même si les locataires de logements subventionnés ne sont pas obligés de souscrire une assurance, vous avez la responsabilité de le faire . Il est important que votre assurance couvre vos biens matériels contre le feu, les dommages par l’eau et le vol, ainsi que les frais à payer lors d’un sinistre si vous devez quitter temporairement votre logement.

    De même, vous devez assurer votre responsabilité civile en cas de poursuites ou de réclamations pour des dommages matériels ou corporels dus à votre négligence.

    En cas de divorce, qu’advient-il d’un logement HLM occupé par un couple et ses enfants?

    Si les deux membres du couple sont cosignataires du bail, ce qui devrait normalement être le cas, ils doivent déterminer ensemble qui conservera le logement.

    Un jugement de la Cour supérieure attribuant la garde des enfants à un des deux parents influencera cette décision étant donné que la composition du ménage doit toujours correspondre à la bonne catégorie de logement.

    La personne qui ne reste pas dans le logement doit reprendre le processus à partir du début , c’est-à-dire qu’elle doit déposer à son office d’habitation une autre demande pour obtenir un nouveau HLM. Ni la SHQ ni l’office d’habitation ne peuvent intervenir en faveur de l’un ou l’autre des occupants divorcés en ce qui concerne la garde du logement HLM par l’un d’entre eux.

    AUTO BILD Leserwahl 2017: Die besten Marken aller Klassen – COMPUTER BILD, auto gewinnen.

    #Auto #gewinnen

    Die besten Marken aller Klassen: Abstimmung ist beendet!

    06.01.2018, 09:35 Uhr AUTO BILD will es wissen: Welche Automarken haben in Sachen QualitпїЅt, Service, Design, PreiswпїЅrdigkeit und Image die Nase vorn? Jetzt abstimmen und gewinnen! Es winken Preise im Wert von пїЅber 300.000 Euro.

    Auto gewinnen

    WпїЅhlen Sie die besten Marken und gewinnen Sie Preise im Gesamtwert von пїЅber 300.000 Euro.

    Der Preis ist heiпїЅ

    Die MпїЅhe fпїЅr die Kreuzchen lohnt sich пїЅ es winken Preise im Gesamtwert von пїЅber 300.000 Euro. Darunter etwa eines von sieben brandneuen und modernen Kraftfahrzeugen oder mit etwas GlпїЅck eine von fпїЅnf Traumreisen auf dem neuen Erdgasschiff AIDAnova fпїЅr Sie und Ihren Partner. Alles, was Sie dafпїЅr tun mпїЅssen, ist den Fragebogen fпїЅr alle 14 Klassen und Fragekomplexe durchzuarbeiten und zu beantworten. Die Fragen sind wie in jedem Jahr nach Klassen unterteilt. In der letzten geht es пїЅbrigens um die automobilen Randgebiete wie NavigationsgerпїЅte, Versicherungen oder Autovermietungen.

    Das gibt es zu gewinnen

    Auto gewinnen

    Auto gewinnen

    Auto gewinnen

    So nehmen Sie teil

    • Zur Teilnahme benпїЅtigen Sie einen Teilnahme-Code . Diesen erhalten Sie auf der Seite von AUTO BILD. Geben Sie Ihre E-Mail-Adresse an und notieren Sie sich den generierten Code.
    • Geben Sie bis zum 7. Januar 2018 Ihre Stimme ab .
    • Mit Ihrer Abstimmung nehmen Sie automatisch an der Auslosung teil. Die Gewinner werden Anfang Januar per E-Mail benachrichtigt.
    • Teilnahmeberechtigt sind nur volljпїЅhrige Leser mit Hauptwohnsitz in Deutschland .

    GefпїЅllt Ihnen dieser Artikel?

    Welchen Gewinn mпїЅchten Sie absahnen?

    Komplette Diskussion im Forum: 3 Beitr ge

    Assurance Moto: devis comparatif d – assurances moto, scooter et cyclo, assurance moto jeune conducteur.

    #Assurance #moto #jeune #conducteur

    Comparez les assurances moto

    Economisez sur votre assurance moto avec notre comparateur

    Les cyclomoteurs à deux roues ou tricycles, en tant que véhicules motorisés, doivent être assurés pour pouvoir être utilisées sur la voie publique. Diverses assurances existent. En effet, vous pouvez souscrire à une couverture qui prévoit une responsabilité civile ou les aléas de la vie comme le vol. Par ailleurs une assurance pour un motocycle lambda pour la ville ou un motocycle de collection ne proposera pas les mêmes types de garanties.

    Le comparateur dassurance moto KelAssur permet de trouver, quel que soit votre profil, une assurance moto adaptée.

    Que vous soyez un jeune conducteur moto ou un motard chevronné, que vous conduisiez un deux roues par passion ou un scooter parce que cest plus pratique.

    Avec notre comparatif dassurance moto, vous assurez tout type de véhicule, quel que soit votre profil et au meilleur prix.

    Quelle assurance deux roues choisir ?

    Conduire une moto est un projet qui demande un réel investissement financier. L’équipement de protection du pilote, le coût d’achat du véhicule, les tarifs du carburant, son stationnement et bien entendu son assurance sont autant de sources de dépenses supplémentaires. Ne négligez pas ces frais lors de l’achat de votre moto une fois le permis A en poche.

    Afin de limiter les frais, il n’est pas conseillé de commencer par conduire une moto sportive. Assurer une 125 cm3 peut déjà s’avérer cher, et pour un jeune conducteur sans passif d’assuré, les tarifs peuvent vite s’avérer prohibitifs À cause du prix d’achat et du caractère accidentogène des grosses motos, le coût de l’assurance d’un tel véhicule est parmi les plus chères du marché.

    Assurance moto au tiers, intermédiaire, tous risques, que choisir ?

    Le plus simple est de souscrire à une assurance au tiers. Elle vous permet d’avoir le droit de circuler dans les lieux publics. Cependant cette formule n’est pas sans risque pour vous car il s’agit en réalité d’une responsabilité civile qui ne va couvrir que les dommages que vous aurez causé à autrui ou au matériel d’autrui, si vous êtes responsable du sinistre.

    Il faut noter que lorsque vous n’êtes pas responsable d’un accident, alors c’est l’assurance du tiers qui prend en charge les réparations.

    Pour plus de couverture et de garanties, préférez une assurance intermédiaire qui vous couvrira notamment contre le vol. Enfin l’assurance tous risques pour votre moto va beaucoup plus loin car selon votre contrat, elle peut couvrir les cas de vandalisme ou encore les incendies. C’est l’assurance la plus complète et qui prend en compte le plus d’événements qui peuvent apparaître au quotidien. Certaines prennent même en charge sous conditions les dommages causés en cas d’actes de terrorisme ou de catastrophes naturelles.

    Votre choix devra se faire selon vos budgets et vos besoins. Il ne faut en effet pas risquer de souscrire à une assurance moins cher mais qui ne prendra pas en charge les réparations si vous habitez dans une zone à risques. Ainsi si vous disposez d’une moto de grande valeur ou que vous la garez dans un lieu où des vols et des actes de vandalisme ont été signalés, n’hésitez pas à choisir une assurance intermédiaire ou une assurances tous risques.

    Tandis que l’assurance au tiers sera privilégiée par les plus petits budgets, elle n’est pas nécessairement la plus rentable. Elle permet uniquement de couvrir les dommages causés par le pilote. Les motocycles ne disposant pas de portes et roulant souvent à une vitesse soutenue, leurs pilotes sont d’autant plus vulnérables. Pour cette raison, il est plus que conseillé de souscrire à une assurance qui puisse également couvrir les dommages corporels qui nécessitent des soins.

    Certaines compagnies d’assurance proposent également des couvertures dites vertes aux tarifs qui peuvent être avantageux dans le cas d’un véhicule électrique.

    Trouvez une assurance moto adaptée pour un prix compétitif

    Afin de faire son choix de manière raisonnée, utilisez un comparateur d’assurance moto comme celui de Kelassur ou de notre partenaire Vous pourrez ainsi voir en un clin d’œil les compagnies qui vous offrent des solutions adaptées à votre situation pour prendre contact avec eux ou souscrire directement.

    Le prix de votre assurance tiendra compte de votre profil conducteur, de votre passé d’assuré et du type de moto. Une assurance moto peut être d’autant plus onéreuse que les accidents endommagent rapidement la mécanique du véhicule souvent fragile. C’est la raison pour laquelle il est d’autant plus important de pouvoir comparer les tarifs d’assurances disponibles sur le marché.

    Avec KelAssur, vous estimerez en ligne grâce à un devis gratuit les tarifs des assurances moto mais également les différentes offres de couverture.

    Je souhaite assurer un scooter

    Pour les motocyclettes et les scooters, même en-dessous de 50 cm3, vous devez justifier d’une assurance. Il est en effet obligatoire de coller son certificat d’assurance sur son véhicule. En cas de contrôle, vous devrez également présenter une attestation d’assurance au risque de payer une amende de 150 € maximum.

    Le comparateur dassurance moto facile, rapide, gratuit

    Assurer sa moto peut se révéler hors de prix. Il nest pas rare que deux ans dassurance cyclo coûte aussi cher que le cyclomoteur lui-même !

    Avec KelAssur, vous trouverez un tarif dassurance moto moins cher sans oublier la qualité des garanties dassurance deux roues que vous pourrez comparer dans le détail.

    Camera di Commercio Industria Artigianato Agricoltura Oristano, camera commercio industria artigianato agricoltura.

    #Camera #commercio #industria #artigianato #agricoltura

    Camera di Commercio Industria Artigianato Agricoltura Oristano

    Sezioni principali del sito:

    Menu contestuale

    Ricerca nel sito

    In questa area


    Costituenda Camera di Commercio Industria Artigianato e Agricoltura di Cagliari-Oristano

    Al via la costituzione della Camera di commercio, industria, artigianato e agricoltura di Cagliari e Oristano, che subentrerà alle attuali Camere di Cagliari e Oristano.

    In data 1° marzo 2018 è stato registrato il Decreto del Ministro dello Sviluppo Economico del 16 febbraio 2018, che riavvia il processo di riforma del sistema camerale italiano iniziato oltre due anni fa, definito col Decreto legislativo 219 del 25 novembre 2016.

    La riforma dispone, oltre a importanti variazioni delle funzioni e delle competenze camerali – con lintroduzione di nuovi ambiti di intervento nei settori dellorientamento al lavoro e alle professioni, dellinnovazione digitale, del turismo e della cultura – la riduzione del numero complessivo delle Camere di commercio, che passano da 105 a 60, la razionalizzazione del patrimonio immobiliare e del personale, la riduzione del numero delle aziende speciali, che dalle 96 iniziali diventano 58.

    Col Decreto del 16 febbraio 2018 è stata istituita la nuova Camera di commercio, industria, artigianato e agricoltura di Cagliari e Oristano, con sede legale a Cagliari e sede secondaria a Oristano, ed è stato nominato Commissario ad acta per la costituzione della nuova Camera il Segretario Generale della Camera di commercio di Oristano e Segretario Generale della Camera di commercio di Cagliari (in convenzione), dott. Enrico Salvatore Massidda.

    Il Commissario ad Acta è chiamato a svolgere gli adempimenti necessari e propedeutici per l’integrazione delle due strutture e dovrà gestire le procedure per la costituzione degli organi del nuovo Ente di area vasta.

    Gli attuali organi camerali resteranno in carica fino all’insediamento del nuovo Consiglio camerale.

    In questa sezione saranno pubblicati tutti i provvedimenti, le norme e le circolari relative al processo di costituzione della nuova Camera di commercio di Cagliari e Oristano.

    Allegato A _Piccole impreseDichiarazione sostitutiva atto di notorietà, nel caso in cui si voglia partecipare anche all’assegnazione della rappresentanza delle piccole imprese

    Allegato B Picole ImpreseElenco piccole imprese associate, nel caso in cui si voglia partecipare anche all’assegnazione della rappresentanza delle piccole imprese

    • Moduli per le Organizzazioni Sindacali e dei Consumatori

    Procedura di costituzione della Camera di commercio di Cagliari-Oristano

    La procedura è stata momentaneamente sospesa alla luce della Sentenza della Corte Costituzionale n. 261/2017 pubblicata sulla G.U. il 13.12.2017, con la quale è stata dichiarata l’illegittimità costituzionale dell’art. 3, comma 4, del decreto legislativo 25 novembre 2016, n. 219 (Attuazione della delega di cui all’articolo 10 della lle 7 agosto 2015, n. 124, per il riordino delle funzioni e del finanziamento delle camere di commercio, industria, artigianato e agricoltra), nella parte in cui stabilisce che il decreto del Ministro dello sviluppo economico dallo stesso previsto deve essere adottato «sentita la Conferenza permanente per i rapporti tra lo Stato, le regioni e le province autonome di Trento e di Bolzano, anzichè previa intesa con detta Conferenza.

    Si attendono pertanto ulteriori disposizioni attuative.

    Al via la costituzione della Camera di commercio, industria, artigianato e agricoltura di Cagliari e Oristano, che subentrerà alle attuali Camere di Cagliari e Oristano.

    Il 19 settembre 2017, con la pubblicazione nella Gazzetta Ufficiale, è entrato in vigore il Decreto del Ministro dello Sviluppo Economico dell8 agosto 2017, che completa il processo di riforma del sistema camerale italiano iniziato oltre 2 anni fa.

    La riforma dispone, oltre a importanti variazioni delle funzioni e delle competenze camerali – con lintroduzione di nuovi ambiti di intervento nei settori dellorientamento al lavoro e alle professioni, dellinnovazione digitale, del turismo e della cultura – la riduzione del numero complessivo delle Camere di commercio, che passano da 105 a 60, la razionalizzazione del patrimonio immobiliare e del personale, la riduzione del numero delle aziende speciali, che dalle 96 iniziali diventano 58.

    Con il Decreto dell8 agosto è stata istituita la nuova Camera di commercio, industria, artigianato e agricoltura di Cagliari e Oristano, con sede legale a Cagliari e sede secondaria a Oristano, ed è stato nominato Commissario ad acta per la costituzione della nuova Camera il Segretario Generale della Camera di commercio di Oristano, dott. Enrico Salvatore Massidda.

    Il Commissario ad Acta è chiamato a svolgere gli adempimenti necessari e propedeutici per l’integrazione delle due strutture e dovrà gestire le procedure per la costituzione degli organi del nuovo Ente di area vasta.

    Gli attuali organi camerali resteranno in carica fino all’insediamento del nuovo Consiglio camerale.

    In questa sezione saranno pubblicati tutti i provvedimenti, le norme e le circolari relative al processo di costituzione della nuova Camera di commercio di Cagliari e Oristano.

    Hotel Meer Grado – Hotel Fonzari – Offizielle Internetseite – Hotel in Grado am Meer – Urlaub in Grado Strand Italien, grado zentrum.

    #Grado #zentrum

    Hotels Meer Grado

    | Hotel in Grado am Meer | Hotels Grado | Urlaub am Meer Grado | Strand Grado Urlaub Meer

    Grado zentrum

    Grado zentrum

    Grado zentrum

    Das Hotel Fonzari erfreut sich unter den Hotels am Meer von Grado einer beneidenswerten Lage. Das direkt am Meer von Grado gelegene Hotel Fonzari befindet sich im historischen Zentrum auf der alten Piazza Biagio Marin, wo man die Römerfunde bewundern kann. Direkt neben dem Hotel findet man Läden, Eisdielen, Lokale und Restaurants für das Shopping und die Strandpromenade für vergnügliche Spaziergänge.

    Das Hotel Fonzari ist unter den 4 Sterne-Hotels von Grado ideal gelegen. Hier kann man sowohl einen Urlaub am Meer verbringen, als auch das historische Zentrum von Grado mit seinen Gässchen und den mittelalterlichen kleinen Plätzen besichtigen, wo sich die Zeugnisse einer ruhmreichen Vergangenheit befinden (die Basilika Sant’Eufemia, das Baptisterium, die Basilica Santa Maria delle Grazie mit ihren herrlichen Mosaiken), und auch die unberГјhrte Natur der Lagune von Grado mit der beeindruckenden Insel Barbana entdecken.

    Grado zentrum


    Das Hotel Fonzari bietet einen (kostenpflichtigen) Transfer vom/zum Bahnhof von Cervignano del Friuli (18 km), zum/vom Flughafen Triest – Ronchi dei Legionari (25 km), zum/vom Flughafen von Treviso (130 km), zum/vom Flughafen Venedig (125 km) und in die Stadtzentren von Palmanova (28 km), Udine (60 km), Treviso, Venedig und zurГјck.

    Grado zentrum

    Stadtplan im pdf-Format ausdrucken

    • Grado zentrumFalls Sie keine PDF-Dokumente lesen können, laden Sie hier den Acrobat Reader herunter.

    Wie Sie uns erreichen

    Der Flughafen von Triest – Ronchi dei Legionari liegt 20 Kilometer vom Hotel Fonzari entfernt. Eine Г¶ffentliche Autobuslinie (Linien der APT) verbindet den Flughafen mit Grado. Nach Ihre Anfrage organiziert das Hotel das Transfer.

    Der nГ¤chstgelegene Bahnhof ist der von Cervignano-Aquileia-Grado (Bahnlinie Venedig – Triest) der 18km von Grado weit ist. Eine Г¶ffentliche Autobuslinie (Linien der APT/SAF) verbindet den Bahnhof mit Grado. Nach Ihre Anfrage organiziert das Hotel das Transfer.

    Autobahn A4/E55 (Turin – Triest), Ausfahrt Palmanova. Den Hinweisschildern nach Grado folgen. Autobahn A23 Tarvisio – Udine – Palmanova, Ausfahrt Palmanova.

    Risoluzione e rescissione del contratto, inabilitazione.



    Qual и la differenza tra risoluzione e rescissione del contratto?

    Per esperire l’azione di rescissione per contratto concluso in stato di pericolo devono sussistere due condizioni:

    1. lo stato di pericolo in cui versava uno dei contraenti o altra persona, al momento della stipula, e
    2. l’iniquitа delle condizioni a cui il contraente ha dovuto soggiacere.

    Per avere invece rescissione per lesione devono sussistere:

    1. una forte sproporzione tra la prestazione di una parte e quella dell’altra, tale che il valore di una prestazione sia almeno la metа dell’altra, e
    2. l’approfittamento dello stato di bisogno in cui versava la parte danneggiata.

    La risoluzione del contratto si ha invece per motivi che sopravvengono alla conclusione del contratto.

    Tali ipotesi sono:

    1. la risoluzione di diritto, nei casi cioи previsti dalla legge;
    2. la risoluzione per inadempimento di una delle parti;
    3. la risoluzione per impossibilitа sopravvenuta;
    4. la risoluzione per eccessiva onerositа.

    La risoluzione di diritto si puт invocare

    1. in caso il contratto contenga una “clausola risolutiva espressa”, cioи quando i contraenti convengono espressamente che il contratto si risolva nel caso che una determinata obbligazione non sia adempiuta secondo le modalitа stabilite (art. 1456 c.c.);
    2. in caso sia previsto un termine essenziale per adempiere e questo scada senza che la prestazione sia stata adempiuta (art. 1457 c.c.);
    3. in caso la parte non inadempiente richieda l’adempimento mediante diffida ad adempiere (art. 1454 c.c.).

    Ultima modifica: 25/07/2017

    ATTENZIONE: I contenuti di questa pagina si riferiscono a fattispecie generali e non possono in alcun modo sostituire il contributo di un professionista qualificato. Per ottenere un parere legale in ordine alla questione giuridica che interessa и possibile richiedere una consulenza legale on-line oppure fissare un appuntamento con un avvocato del nostro studio legale presso la sede di Milano o di Roma.

    Gli autori declinano ogni responsabilitа per errori od omissioni, nonchй per un utilizzo improprio o non aggiornato delle presenti informazioni.

    ©2003-2017 / Studio Legale online / Roma / Milano

    Tutti i diritti riservati / All Rights Reserved

    Finanzas online, finanzas online.

    #Finanzas #online

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    Opinión y análisis IMEF


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    Insurance and Employee Benefits, MetLife, affordable life insurance companies.

    #Affordable #life #insurance #companies

    Affordable life insurance companies Affordable life insurance companies

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    Affordable life insurance companies


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

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

    PDP Plus

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

    Dental HMO/Managed Care

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

    Federal Dental (FEDVIP)

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

    Don’t know your vision plan?

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

    Boxspringbett inkl, boxspringbett mit schrank.

    #Boxspringbett #mit #schrank

    Boxspringbett inkl. Topper und Bettkasten

    Wunschrate berechnen

    2 Jahre GARANTIE PLUS-PAKET (G2Plus)

    Mit dem UNIVERSAL 2 Jahre GARANTIE PLUS-PAKET einfach und schnell die Garantie um weitere 2 Jahre verlängern. Somit erhalten Sie auf das gewählte Produkt volle 5 Jahre Garantie.

    Profitieren Sie von einer hohen Sicherheit und einer kostenfreien Garantiereparatur im jeweils angegebenen Zeitraum.

    Wünschen Sie diesen Service, dann unbedingt bei Ihrer Bestellung gleich mitbestellen.

    WICHTIGER HINWEIS zur Standard-Garantie bei UNIVERSAL:

    Universal gewährt Ihnen auf ALLE Produkte 3 Jahre XXL-Garantie.

    JETZT 2 JAHRE GARANTIE PLUS-PAKET nutzen und die Garantie auf insgesamt 5 Jahre verlängern!

    Auf Wunsch nehmen wir bei Speditionslieferung Ihres neuen Möbelstückes das alte, gleichartige (sofern es zerlegt und abholbereit ist) sofort mit. Die Pauschale für den Abtransport und die umweltgerechte Entsorgung beträgt € 59,99. Beachten Sie, dass die Servicepauschale zzgl. zur Speditionsgebühr verrechnet wird.

    Bei Postlieferung Ihres neuen Möbelstückes wird Ihr altes gesondert per Spedition abgeholt. Wir verrechnen zusätzlich zu der Mitnahmegebühr von € 59,99 eine Anfahrtspauschale von € 49,99.

    Auf Wunsch bauen wir bei Speditionslieferung diesen Artikel fachmännisch für Sie auf. Beachten Sie, dass diese Servicepauschale zzgl. zur Speditionsgebühr verrechnet wird. Wenn Sie diesen Service wünschen, bitte bei Ihrer Bestellung diesen Service am Artikel anklicken, in den Warenkorb legen und gleich mitbestellen. Kein 24h-Service und in Verbindung mit Abendzustellung nicht möglich!

    Boxspringbett inkl. Topper und Bettkasten

    • Mit praktischen Bettkasten
    • Schaumtopper mit abnehmbaren Bezug
    • Eine Gasdruckfeder erleichtert das Öffnen des Bettkastens
    • Kopf- und Fußteil mit edlen Strass-Steinen
    • Wahlweise mit Aufbauservice

    • Nachttisch »Lancy« Art. Nr. 650616, 658836
    • Nachttisch »Lightness« Art. Nr. 771139, 775578
    • Nachttisch »Lancy« Art. Nr. 650616, 658836
    • Nachttisch »Lightness« Art. Nr. 771139, 775578
    • Gratis Stoff- und Holzmuster
    • Gesetzliche Gewährleistung
    • G2+ Garantie-Verlängerung
    • Ersatzteile- und Reparaturservice
    • Möbel-Aufbauservice
    • Lieferung per Spedition
    • Lieferung bis zu Ihrem Wunschplatz
    • Bezahlmöglichkeiten
    • Wunsch-Teilzahlung
    • Zahlpause
    • 30-tägige Rückgabegarantie mit kostenlosem Rückversand
  • Boxspringbett inkl. Topper und Bettkasten entdecken – beim Versandhaus Universal immer stöbern

    Wenn Sie Boxspringbett inkl. Topper und Bettkasten kaufen wollen, sind Sie in unserem Shop richtig. Wir bieten Ihnen beim Versandhaus Universal Ihr persönliches Highlight und dies zu guten Angebotskonditionen. Außerdem lohnt es sich, im Wohnen-Warensortiment nach anderen Produkthighlights zu stöbern. Sie finden bei uns neben Boxspringbett inkl. Topper und Bettkasten beispielsweise auch Dunkle Räume von . Oder begeistern Sie sich spezieller für Schlafzimmer? Auch hier werden Sie beim Versandhändler Universal etwas Geeignetes entdecken. Klicken Sie sich bequem durch unser Angebot und entdecken Sie Boxspringbett inkl. Topper und Bettkasten und Ihre neuen Decken in unserem Online Versandhaus. Mit Boxspringbett inkl. Topper und Bettkasten werden Sie ganz sicher zufrieden sein.

    Kaufen Sie Boxspringbett inkl. Topper und Bettkasten und entdecken Sie außerdem andere neue Trends von

    Stöbern Sie in unserem Online Versand nach Dunkle Räume und lassen Sie sich von den diversen Angebotspreisen begeistern. Haben Sie vielleicht schon den Artikel Boxspringbett inkl. Topper und Bettkasten als Ihr Must-have ausgesucht? Dann ordern Sie sich doch moderne Schlafzimmer von gleich mit dazu. Boxspringbett inkl. Topper und Bettkasten überzeugt mit Wahlweise mit Aufbauservice,Kopf- und Fußteil mit edlen Strass-Steinen,Mit praktischen Bettkasten,Eine Gasdruckfeder erleichtert das Öffnen des Bettkastens,Schaumtopper mit abnehmbaren Bezug, Wahlweise mit Aufbauservice,Kopf- und Fußteil mit edlen Strass-Steinen,Mit praktischen Bettkasten,Eine Gasdruckfeder erleichtert das Öffnen des Bettkastens,Schaumtopper mit abnehmbaren Bezug und natürlich Wahlweise mit Aufbauservice,Kopf- und Fußteil mit edlen Strass-Steinen,Mit praktischen Bettkasten,Eine Gasdruckfeder erleichtert das Öffnen des Bettkastens,Schaumtopper mit abnehmbaren Bezug. Auch bei allen weiteren Produkten aus unserem Wohnen-Artikelsortiment können Sie sich auf eine exklusive Qualität verlassen. Vertrauen Sie für Ihre Order von Boxspringbett inkl. Topper und Bettkasten auf die attraktiven Angebote vom Universal Online Kaufhaus und bestellen Sie Ihr Highlight – Schlafzimmer von sind natürlich einen Blick wert.

    Boxspringbett inkl. Topper und Bettkasten – für Sie zu attraktiven Konditionen beim Versandhaus Universal

    Bei der guten Warenauswahl in unserem Internet Shop ist Boxspringbett inkl. Topper und Bettkasten zu super Preisen für Sie verfügbar. Ordern Sie Ihre gesuchten Produkte und lernen Sie zahlreiche Angebotshighlights bei Universal kennen. Ihr Kauf von Boxspringbett inkl. Topper und Bettkasten und anderen ist in unserem Online Versandhaus unkompliziert: Suchen Sie z. B. Ihre Dunkle Räume schnell aus und legen Sie bei Bedarf noch Schlafzimmer in den Einkaufskorb. Danach wählen Sie für Ihre Bestellung von Boxspringbett inkl. Topper und Bettkasten eine Zahlungsmethode: Sie bezahlen die Artikel, wie auch unsere Dunkle Räume, im Universal Online Kaufhaus per Teilzahlung, per Rechnungskauf oder per Zahlpause. Entdecken Sie die gefragten Highlights von und erwerben Sie sich Boxspringbett inkl. Topper und Bettkasten im Universal Online Kaufhaus – neue Wohnaccessoires, Matratzen & Lattenrost Kaufberater, und erwarten Sie in unserem Online Versand natürlich ebenfalls.

    Beware of the H – R Block Emerald Card, The Truth About Credit, h and r block course.

    #H #and #r #block #course


    Beware of the H R Block Emerald Card

    H and r block course

    So tax season is quickly approaching, and with that comes what many would call opportunistic offers for tax-related services.

    The most recent advertisement I’ve seen is from H R Block, which is offering to put your tax refund on a prepaid MasterCard debit card via its H R Block Emerald Card.

    They ll even give you your tax refund without having to pay tax preparation fees out-of-pocket via what they refer to as a Refund Anticipation Check.

    That doesn t mean you won t pay them, it just means they ll be deducted from your refund so you don t have to pay them directly.

    The first red flag, and clearly the biggest negative to the Emerald Card, is the fact that the balance on the card cannot be redeemed for cash.

    Well, it can, but if you do wish to withdraw cash from the card balance, you’ll be subject to an ATM fee of $3.00 per withdrawal, along with any fee the ATM operator charges. And you may also be charged $1.50 per ATM denial.

    The only way you can get money without a fee is via cash back from the store, though H R Block does warn cardmembers to watch out for merchant fees.

    For example, you might be able to get cash back at the grocery store during a purchase without paying any fees. It might not be that convenient, but at least it might be free.

    Also watch out for the ATM balance inquiry, which will set you back $1.50 from H R Block and potentially even more from the ATM operator. Instead, check your Emerald Card balance via the smartphone app or via the online account access for free.

    Additionally, the H R Block Emerald Card has a so-called monthly inactivity fee of $4.95 per month after two consecutive months of no activity, so you better use that card or you’ll start losing money real quick.

    Not to mention the fact that the Emerald Card may not work at gas station pumps, so you d have to walk into the gas station and ask the attendant to swipe the card to purchase gas.

    Of course, H R Block views it all a bit differently, claiming the card actually provides the convenience and security of a debit card, without the aggravation of check cashing fees. So it s clear who the card is aimed at, the underbanked.

    And that may have value to some who are being charged even more via other less savory services.

    Fees You Won t Be Charged with the H R Block Emerald Card

    The funniest part about the card is the fees they don t charge. They apparently don t charge a fee to make a purchase (thank goodness), or a fee to request a card with your name on it. Wow! There s also no fee to call customer service (thanks?) and no fee for text message updates. Okay

    But to me it seems a little silly to put yourself in a position where you stand to lose money through unnecessary charges, especially when you have the opportunity to ask for a check at tax time via services like Turbo Tax and even H R Block.

    After all, if you deposit the money directly into an existing checking or savings account, you can use the money via your debit card just the same and avoid the fees altogether, while maintaining complete control over your hard earned money.

    But I guess that s the rub. This card is aimed at folks who don t have a bank account and thus need another way to keep their tax refund safe.

    The card also allows holders to add money via direct deposit, so in a sense it can be used as a bank account for those lacking one.

    And as mentioned, there are worse methods out there for sure.

    There are also better alternatives to the H R Block Emerald Card these days, such as American Express Serve and countless other prepaid cards.

    I believe Serve even offers $20 if you have your tax refund direct deposited into an account, so you can get ahead there if you are assessed fees in the future. And you can withdraw money at some 24,000 MoneyPass ATMs.

    Or you can deposit the money into a Schwab One Individual Brokerage plus Schwab Bank Investor Checking account and get all your ATM fees reimbursed.

    In other words, there are probably better alternatives to the H R Block Emerald Card, so be sure to shop around before you commit.

    If you re wondering where to get your hands on this card, you can obtain one at a participating H R Block tax office or request one online during your tax preparation with H R Block.

    Author: Colin Robertson

    Colin created this blog after spending several years in a job that required him to scour credit reports on a daily basis. His goal is to help individuals better understand their credit and get the most out of credit cards. View all posts by Colin Robertson

    Sydney Nursing School – The University of Sydney

    #nursing #school #in #sc


    The University of Sydney – Sydney Nursing School

    Study with Sydney Nursing School

    Sydney Nursing School is ranked second in Australia and ninth internationally for academic and employer reputation (QS subject rankings, 2017). Our courses are founded on evidence and taught by researchers who are developing new knowledge in the field of nursing and midwifery. Gain knowledge and awareness of local and global health systems and learn how to use your skills in leadership to shape the future of health care and improve patient outcomes.

    There are many avenues that a career in nursing can lead. Nurses are highly sought after worldwide, and the skills and experience that a degree in nursing provides graduates are valued across a range of international organisations.

    International Nurses Day is celebrated around the world each year on 12 May. The day provides people working in the nursing profession, as well as those who have been cared for by nurses, the opportunity to celebrate the wonderful work that we nurses do.

    Friday 5 May 2017, is a celebration of the partnership between midwives, mothers and families. We caught up with our expert midwives Professor Sally Tracy and Dr Donna Hartz and asked them what advice they would give to a new mum.

    2002-17 The University of Sydney. Last updated: 29 May 2017

    ABN: 15 211 513 464. CRICOS number: 00026A. Phone: +61 2 9351 2222.

    Authorised by: Dean, Sydney Nursing School.

    Joseph K Scott III Attorney at Law

    #felony #defense, #felony #attorney, #felony #lawyer

    Joseph K. Scott III

    Joseph K. Scott III, Attorney in Baton Rouge, LA

    Welcome to the law firm of Joseph K Scott III. Attorney at Law. For the last 12 years, Mr. Scott has offered personal consultation and representation to all of his clients requiring legal counsel in the areas of criminal, family and juvenile law.

    Many citizens who find themselves caught up in the legal system are unaware of their basic rights and unsure of where to turn to for help. Dealing with the courts can be a confusing and overwhelming process. With Joseph K Scott, III, acting as your attorney, you will always receive a robust and vigorous defense .

    In any legal situation, it is vitally important to find an attorney who is familiar with current and evolving laws but also understands the emotional depth and impact of the circumstances. Mr. Scott can help you navigate the courts, protect your interests and resolve your case with professionalism and justice.

    Personal Representation

    Mr. Scott is located in Baton Rouge, Louisiana and is admitted to all State and Federal courts in Louisiana, as well as the Fifth Circuit Court of Appeals. Also a teacher and guest speaker, Mr. Scott has written for the Baton Rouge Bar Journal and Louisiana State Bar Journal. He believes in personal representation of each and every client and will treat your case with the utmost care and professionalism that it deserves. Contact his office today to discuss your legal needs.

    White Mold, Health Effects, Removal

    #white #mold,mold #health #affects,white #attic #mold


    White Mold

    White mold can be hard to detect, especially in the early stages of mold growth. Many people notice that there is a problem when they see visible mold growth in an area of their home, when they smell mold, or they may begin to experience the health affects of mold exposure.

    The reason that white colored mold may be more difficult to detect is because of the light color of the mold growth. Often, this type of mold blends in with the materials that it is growing on, and it is not as noticeable as black or green mold. Even though white colored mold is not as visible, it can still be dangerous to your health.

    Types of White Mold Health Affects

    There are various types of mold that can occur, and different strains may actually have the same color. So, if you find mold growth within your home it is best to consult with a professional in order to determine how dangerous it can be to your health.

    The truth is that even mild forms of white mold can be dangerous to your health, so any type of mold growth should be taken care of immediately. This type of mold can be found in various locations in a building, but it is most common in damp areas. The mold usually appears as a white powdery film, and some people may not realize that it is even mold growth.

    Some of the health symptoms that white colored mold can cause include eye irritations, dizziness, nausea, allergic reactions, respiratory infections, headaches and depression.

    How To Clean Mold

    Mold problems need to be cleaned up with care, because they can cause health problems if you are exposed to the mold spores. Many people make the mistake of cleaning up the area without researching mold sanitizing procedures, and they end up harming themselves as well as spreading the mold throughout the rest of their home due to cross contamination.

    White mold health affects people of all ages, and prolonged exposure may cause you and your family to become sick. This sickness generally begins mild, and progresses with time as the exposure continues to occur.

    Start out by protecting yourself from the mold by wearing goggles, a face mask, and rubber gloves. Take care to prevent the mold from coming in direct contact with your skin. The area where you are working should be contained with plastic sheets and duct tape to prevent cross contamination to other areas of your home. Also, use a negative air machine in order to prevent the mold spores from drifting through the air to other areas.

    All of the visible mold needs to be removed by scrubbing with a disinfectant. If the mold is on porous items, like carpets, drywall, insulation or curtains, those items will need to be disposed of. Once the mold is gone, everything needs to be sanitized with a biocide in order to kill any remaining spores.

    White mold in a crawlspace

    Avoiding Long Term Health Problems

    Because white mold affects people even when they are unaware of the presence of mold, it is a good idea to have the area tested in order to be sure that the mold was completely removed. These mold spores are microscopic, and even though you can’t see them they may still be harming the health of you and your family.

    Working with a professional during the cleanup process will help you to be sure that everything is cleaned up correctly. An independent mold testing company can come in when the cleanup is complete, and they will verify that the mold spores have been eradicated.

    How a Free Mold Consultation Can Help You

    There are many mold specialists that offer a free, no-obligation consultation to help you determine how bad your mold problem is. These consultations are important because the specialist is able to use specialized equipment that gathers information about the severity of the problem.

    Keep in mind that mold cannot always be seen, and it may have spread further than you realize. Follow the link to schedule a mold consultation , and you will get a better idea of the areas that are affected and the steps that need to be taken in order to completely clean up the problem. Additionally, the specialist will give you a price quote so that you can determine if it would be better to hire a professional, or to do it on your own.

    Apache POI – the Java API for Microsoft Documents

    #apache #log #level


    Apache POI – the Java API for Microsoft Documents

    01 July 2017 – POI 3.17 beta 1 available#

    The Apache POI team is pleased to announce the release of 3.17 beta 1. This release includes improved support for tables in XSSF/HSLF and support for Binary RC4 / CryptoAPI de-/encryption in HWPF.

    A summary of changes is available in the Release Notes. A full list of changes is available in the change log. People interested should also follow the dev list to track progress.

    See the downloads page for more details.

    19 April 2017 – POI 3.16 available#

    The Apache POI team is pleased to announce the release of 3.16. Featured are a handful of new areas of functionality and numerous bug fixes.

    A summary of changes is available in the Release Notes. A full list of changes is available in the change log. People interested should also follow the dev list to track progress.

    See the downloads page for more details.

    20 March 2017 – CVE-2017-5644 – Possible DOS (Denial of Service) in Apache POI versions prior to 3.15#

    Apache POI in versions prior to release 3.15 allows remote attackers to cause a denial of service (CPU consumption) via a specially crafted OOXML file, aka an XML Entity Expansion (XEE) attack. Users with applications which accept content from external or untrusted sources are advised to upgrade to Apache POI 3.15 or newer. Thanks to Xiaolong Zhu and Huijun Chen from Huawei Technologies Co. Ltd. for reporting the vulnerability.

    16 March 2017 – Google Summer of Code#

    The Apache POI project is participating in Google Summer of Code as a project under the Apache Software Foundation. Pick an area of POI that you would like to see developed further and apply to be a GSoC Student. We will happily mentor individuals even if they are not ultimately enrolled as a GSoC Student by Google. Read more.

    03 October 2016 – The Apache POI project is celebrating its 15th anniversary#

    The Apache POI project is celebrating its 15th anniversary! On the 28th of August 2001, the first 0.1 alpha version of POI was released. Read the official announcement.

    Mission Statement#

    The Apache POI Project’s mission is to create and maintain Java APIs for manipulating various file formats based upon the Office Open XML standards (OOXML) and Microsoft’s OLE 2 Compound Document format (OLE2). In short, you can read and write MS Excel files using Java. In addition, you can read and write MS Word and MS PowerPoint files using Java. Apache POI is your Java Excel solution (for Excel 97-2008). We have a complete API for porting other OOXML and OLE2 formats and welcome others to participate.

    OLE2 files include most Microsoft Office files such as XLS, DOC, and PPT as well as MFC serialization API based file formats. The project provides APIs for the OLE2 Filesystem (POIFS) and OLE2 Document Properties (HPSF).

    Office OpenXML Format is the new standards based XML file format found in Microsoft Office 2007 and 2008. This includes XLSX, DOCX and PPTX. The project provides a low level API to support the Open Packaging Conventions using openxml4j.

    For each MS Office application there exists a component module that attempts to provide a common high level Java api to both OLE2 and OOXML document formats. This is most developed for Excel workbooks (SS=HSSF+XSSF). Work is progressing for Word documents (WP=HWPF+XWPF) and PowerPoint presentations (SL=HSLF+XSLF).

    The project has some support for Outlook (HSMF). Microsoft opened the specifications to this format in October 2007. We would welcome contributions.

    As a general policy we collaborate as much as possible with other projects to provide this functionality. Examples include: Cocoon for which there are serializers for HSSF; Open with whom we collaborate in documenting the XLS format; and Tika / Lucene. for which we provide format interpretors. When practical, we donate components directly to those projects for POI-enabling them.

    Why should I use Apache POI?#

    A major use of the Apache POI api is for Text Extraction applications such as web spiders, index builders, and content management systems.

    So why should you use POIFS, HSSF or XSSF?

    You’d use POIFS if you had a document written in OLE 2 Compound Document Format, probably written using MFC, that you needed to read in Java. Alternatively, you’d use POIFS to write OLE 2 Compound Document Format if you needed to inter-operate with software running on the Windows platform. We are not just bragging when we say that POIFS is the most complete and correct implementation of this file format to date!

    You’d use HSSF if you needed to read or write an Excel file using Java (XLS). You’d use XSSF if you need to read or write an OOXML Excel file using Java (XLSX). The combined SS interface allows you to easily read and write all kinds of Excel files (XLS and XLSX) using Java. Additionally there is a specialized SXSSF implementation which allows to write very large Excel (XLSX) files in a memory optimized way.


    The Apache POI Project provides several component modules some of which may not be of interest to you. Use the information on our Components page to determine which jar files to include in your classpath.

    Contributing #

    So you’d like to contribute to the project? Great! We need enthusiastic, hard-working, talented folks to help us on the project, no matter your background. So if you’re motivated, ready, and have the time: Download the source from the Subversion Repository. build the code. join the mailing lists. and we’ll be happy to help you get started on the project!

    To view the “Help Wanted” tasks, an internet connection is required.

    Please read our Contribution Guidelines. When your contribution is ready submit a patch to our Bug Database.

    by Andrew C. Oliver, Glen Stampoultzis, Avik Sengupta, Rainer Klute, David Fisher

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