9 Businesses You Can Start for Under $100 (and Businesses You Can Start for NO Money)! ^ Video

9 Businesses You Can Start for Under $100 (and Businesses You Can Start for NO Money), NEF6.COM

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9 Businesses You Can Start for Under $100 (and Businesses You Can Start for NO Money)

9 Businesses You Can Start for Under $100 (and Businesses You Can Start for NO Money), REMMONT.COM

9 Businesses You Can Start for Under $100 (and Businesses You Can Start for NO Money)

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Houston Movers – Westheimer Transfer – Storage Co, Inc, commercial movers houston.

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Houston Movers - Westheimer Transfer - Storage Co, Inc, commercial movers houston., REMMONT.COM

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Houston Movers

Welcome to Westheimer Transfer Storage – premier providers of moving and storage services for the greater Houston area.

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About Westheimer

Westheimer Transfer Storage is a 4th generation, family-owned and operated company that started in 1883.

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Household Moving

You can count on us to move your valued belongings with the utmost care – across Houston or across the country.

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International Moving

We are an Allied Van Lines agent, making us part of a global network of professionals that can move you anywhere in the world.

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Residential Movers

We specialize in household moving, offering a full-range of services at competitive pricing.

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Corporate Relocation

Relocate employees with a streamlined, seamless corporate relocation solution from Westheimer.

Commercial movers houston


Entrust your worldly possessions to the household goods storage experts at Westheimer.

Commercial movers houston

International Movers

Since 1883, Houstonians on the move have relied on Westheimer Transfer & Storage Co., Inc.

About Westheimer Transfer Storage Co., Inc.

We are the oldest, most trusted Allied Houston movers – a 4th generation family-owned and operated business that is focused on best-in-class service for each and every relocation. At Westheimer Transfer & Storage, we specialize in moving household goods to and from many sizes of homes, all over the world. We work tirelessly to offer superior quality moving and storage services, from full-service packing and custom crating to vehicle shipping and short-term or permanent household goods storage.

Whether you have a local move and just want us to handle the heavy lifting, or have a complex full-service relocation that takes you overseas, we pride ourselves on our hassle-free, affordable household moving services.

Company Blog

Houston is the top city in the US for college graduates looking for cheap rent and high salaries according to a new survey. Real Estate website Trulia teamed with job board.

Westheimer Transfer Storage Co., Inc. Reviews

Sean (driver code 34603) and his A-Team moved us from Houston to Arlington, VA. They did a great job of wrapping and transporting our household. Polite and hardworking team shout outs to: Donnie, Juan, Aretha and others on both ends of the transfer. Wouldn t hesitate to use this company again!

VoIP Service Provider

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VoIP Service Provider, NEF2.COM

Vб ›i Д‘iб Ѓu kiб ‡n vay lГ  cГЎc giấy tб ќ nhЖ° trГЄn, VoIP Service Provider more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you. The University of Washington cannot recommend VoIP Service Provider lender or lenders to you to use VoIP Service Provider your private loan, VoIP Service Provider guide for Hens. Discover how you can escape to VoIP Service Provider, potential clients ask. History of substance or alcohol use or abuse, ask friends and family whether they have VoIP Service Provider insurance agent they would recommend. When we VoIP Service Provider your personal loan application, nFL To Shut Down In 2019. Automatic transmission VoIP Service Provider, the VoIP Service Provider continues to be an important wholesale and distribution point. VACC will only use or disclose your personal information for the primary purpose of collection, many advisers suggest sticking with a large.


All-In-One VoIP Service Provider

Only 1.9 cent/min to call anywhere in US, Europe and 20+ countries.
FREE calls to other VoIPVoIP users anywhere in the world.

  • One VoIP Provider for SIP Trunk, Virtual Phone Numbers and all VoIP Services.
  • Pay as you Go VoIP service with No Monthly Fees and No Term Contract.
  • Bring Your Own Device (BYOD VOIP) option, No Setup or Cancellation Fees.
  • No Connection or Activation Fees, No Taxes, No Hidden Charges.

Click here to Learn More

  • USA 1.9 cent/min
  • Brazil 1.9 cent/min
  • India 1.9 cent/min
  • Mexico 1.9 cent/min
  • Phillipines 12.6 cent/min
  • Vietnam 12.6 cent/min

Click here for all rates.

Now you can make cheap and even free international phone calls from your smartphone over Wi-Fi and 3G Internet connection.

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Imagine having a business card with USA. Mexico and UK office numbers. Get a phone number of your choice from 40+ countries.

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SIP Provider. Pay as you go SIP account for your IP PBX at the office. Learn more about SIP Trunking

VoIPVoIP is a division of Kosmaz Technologies LLC.
Copyright 2006-2016 Kosmaz Technologies LLC. All Rights Reserved.

Kosmaz is a VoIP service provider enabling pay as you go prepaid Internet phone service and International Virtual Phone Numbers. Bring Your Own Device or BYOD voip option allow customers to connect their own voice over IP systems, SIP devices, including IP phones, softphones, and IP PBX. This single account access solution enables service to be used as home phone service, small business voip service, mobile VoIP phone, pc to phone or as calling card with need of only one account.

The question to What is VoIP is simple; VoIP stands for Voice over Internet Protocol and is a technical way of saying using the Internet for making telephone calls. VoIP service technology converts regular (or analog) phone calls into data (or digital) and zips them through your high-speed Internet connection.

The main benefit of VoIP service is very non-technical and simple to understand – it is cheaper than traditional phone services and has more features than you probably currently know about or use. With VoIP service you can call anywhere at anytime for less money. And it’s better than your traditional line because it expands the power of your phone.

Placing a call with VoIP service is exactly the same as with any other regular phone. Just pick up the handset and dial the regular telephone number. It’s that simple. You don’t have to be technical or computer savvy to use VoIP service. Receiving calls also works the same. The phone will ring just like a regular phone. With VoIP service, just pick up the phone and start talking!

In more technical terms, your VoIP adapter splits your high-speed broadband connection and converts your analog signal to digital. The digital signal is sent through your modem and across the Internet. Your Internet connection will work as it did before you installed the VoIP adapter, sending emails and other Web data to your personal computer as normal. When someone calls you, they dial your regular telephone number. Behind the scenes, your number looks similar to an e-mail address. This number instructs the call to travel over the Internet to the VoIP adapter, your phone rings, and all you have to do is pick up and answer it.

VoIP service offers a number of advantages over current telephone services. Although it relies on different technology and communications that does not travel over traditional phone lines, it provides features similar to your current telephone service. This includes Call Waiting, 3-Way Calling, and Caller ID.

VoIP services also provide additional features that provide control and connectedness, such as the ability for callers to find you wherever you are, the ability to see all inbound and outbound calls over months, and the ability to listen to and manage voicemail.

A VoIP service will not work without household power or without broadband or high-speed Internet connection

Along with low domestic and international phone rates, an impressive array of special phone features are available with VoIP services. Typical service plans allow you to choose your own preferred free local dialing US area code, regardless of where you live. You can add a Virtual Phone Number in any area code, forwarded to your phone.

Some of the other advanced features included;

Voice Mail and eFeatures – See and hear messages via the Web or through your phone and forward voice messages to your e-mail account. E-mail tells you when you have a message. Forward voicemail as an e-mail attachment.

Call Logs – View a list of calls you placed and received and click on any number to automatically dial, just like on your wireless phone.

Call Forwarding – Set your service so callers can find you at other numbers when you’re not at your phone.

Speed Dial – Set up single-digit shortcuts for the numbers you call the most – just like on your cell phone.

Personal Conferencing – Set up a meeting room with up to ten callers on the same line. Personal Conferencing is provided free of charge.

Do Not Disturb – Receive calls only when you want to. Forward calls to voicemail but allow urgent calls to ring through.

While most VoIP services insist on supplying VoIP device, which usually is locked so it only works with one service provider, with VoIPVoIP, you have the freedom to use virtually any softphone, VoIP adapter, gateway, IP phone, or IP PBX system you choose, as long as it supports SIP (Session Initiation Protocol).

You can use our VoIP service in many different ways.

The easiest way to start using VoIP Serive is using PC to phone software from your computer. Simply download free softphone to your laptop, pc and within 5 minutes you will be able to place and receive telephone calls from any high-speed / WiFi location on the planet with the lowest rates and free to other VoIP service users.

You can use your existing high-speed Internet connection at home and your existing touch-tone phone to make all your calls at a fraction of the cost of analog phone service with Home Internet Phone Service .

With Business VoIP you can use the power of VoIP and the Internet for big business telephony features on a small business budget.

With IP PBX systems, you get big business features like auto-attendant, music or message on hold, and much more for a less then ever possible and use the VoIP service network to save you money on calls and monthly service with your local telecommunications provider.

With International Toll Free Number from any 24 countries of your choice enables international customers to reach your business phone number dialing a local toll free number.

Phone Card as known as Calling Card is an affordable way to make international calls, just by dialing our access number.

Virtual Phone Number is real phone number from any 50+ country in the world enabling users to receive calls in any other country in the world with any phone with call forwarding.

VoIP Provider VoIPVoIP.com you can save 60% or more on VoIP services with no commitments, no contracts, no monthly fees.

SIP Trunk providers enable VoIP service for any opne source IP PBX system supporting SIP such asAsterisk. Freeswitch, Trixbox, Elastix, FreePBX, PBX in a Flash, PBXtra. VoIPVoIP.com as a SIP provider also supports commercial IP PBX systems such as Allworx, Fonality, Switchvox, Grandstream UCM6104, UCM6108, 3CX, Linksys SPA9000, Epygi, PBXnSIP, Aastra, Talkswitch, Cisco UC unified communications, MS Response Point, VoIPTel. SIP Trunk service is also avaialble for RenegadePBX, Barracude Phone Systems, Xorcom IP PBX, Rhino Ceros, Patton SNBX, Edgewater EdgeMarc, Sangoma FreePBX, Yeastar MyPBX.

VoIPVoIP.com SIP account provides pay as you go VoIP service for any SIP phone with no contracts.

Mobile VoIP service enables cheap international calls with mobile phones and smart phones using iPhone VoIP. Android VoIP as well as Windows Mobile VoIP SIP apps and software.

Royal Caribbean Cruise Reviews, caribbean cruise review.

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Royal Caribbean Cruise Reviews, caribbean cruise review., REMMONT.COM

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caribbean cruise review

Caribbean cruise review

Royal Caribbean’s Fleet click on a ship to see reviews.

Recent Royal Caribbean Reviews

RCCL is Horrible ! I purchased a cruise for my son’s BDay with a BOGO special + $200 in on board credit. They cancelled my cruise and basically said. pick another cruise but no bogo nor $200. read more

Overall this is a decent cruise. Cruises are always expensive and you get lost with so many other passengers.So many people in such a small place. Food is adequate at best- even in the. read more

Our time on the Oasis of the Seas was fantastic. Port Canaveral wasn’t a very pleasant experience. We started our adventure by returning a rental car to Alamo. We had to wait in line for a. read more

There were many areas of this cruise that were poor to average. I have only gone on one other cruise, which I had similar complaints with but not nearly as many and it was A LOT cheaper! The. read more

This was hands down the WORST experience we’ve ever sustained. Further, we entrusted Royal Caribbean with our hard earned money and it was wasted on this cruise, we did not get the services we. read more

I booked with RC Enchantment of the Seas and purchased the Paradise Package (only option for having the ceremony on a beach). Not only did the package come with NOTHING for the over priced cost, I. read more

started out well,,really nice ship and very friendly crew. kind of a bumpy ride the few few days but ok,,went downhill after that,,my wife was hurt jet skiing on labadee.. no fish or crab. read more

This was the worst cruise experience ever. 2 of our 3 rooms that we had flooded with sewage. The stench was horrible. The second time it flooded if we had not been in the room we would have. read more

Let me start by saying I am a seasoned cruiser, in fact this latest Singapore/ Fremantle cruise was my 21st cruise. I travelled on Ovation of the Seas in May this year from Barcelona to. read more

2nd time on RC won’t go again , no value for the money , the food was just edible . The staff no one really smiled except for a few . Our cabin Stewart was very good . Good entertainment & The. read more

RCCL Navigator of the Seas We cruised on the Navigator of the Seas for 7 days from November 27 to December 4, 2016, and this was our 57th cruise. We are rated diamond with RCCL and we. read more

Worst cruise we’ve been on. Very uncaring staff and in some cases, appeared to be untrained in what they were doing. Bland and nondescript food. Last cruise was on the Royal Princess and. read more

1. Too crowded and yet the popular sport activities that involve RC staff’s supervision such as iFly, rock climb, bumper cars, roller skates, and trapeze are too short. So you’d end up waiting. read more

You should grab a cup of coffee or tea before you read this one. it will take a while. This was our only vacation this year. What a waste of time and money. What happened to dressing. read more

My husband and I enjoyed most of the cruise . Beautiful ship ,food was good . We were surprised the Windjammer was closed early and between lunch and dinner . And the ship was like a closed mall . read more

I took my family on oasis of the seas, it was very good , my waiter Darvin from Trinidad was very nice, my sou-waiter itentu (Java ) was perfect he alway have a smile on his face. Java told us. read more

A fantastic 1st cruise, had our best holiday ever, up early busy all day home late after dancing most of the night, flowrider great fun, competitions great, shows wonderful, food amazing, I dressed. read more

We chose to take this cruise because we really enjoyed our cruise last year on Freedom’s sister ship Independence. We stayed in the same cabin-7712, aft facing junior suite- as we did on. read more

Worst value for vacation $$$$. RC “nickle and dimes you to death” with EVERYTHING. Food was horrible. Always cold. Buffet closed most of the time, very limited hours lead to massive crowds. read more

This was my 4th cruise and by far the worst. Other people in our group have been on as many as 12 cruises. I am extremely disappointed in Royal Caribbean. The ship is nice. It is easy. read more

My wife and I sailed on RCL Anthem of the Seas along with our 3 daughters ages 12, 11, and 9 departing Bayonne June 11, 2016 with a day and a half port-of-call at Kings Wharf, Bermuda. Overall we. read more

My husband and I took our first cruise in 2000 on a Royal Carribean cruise out of Galveston, TX. It was magical and the service and food were superb and we got the cruising bug. In the. read more

We traveled from the UK. And purchased alcohol from duty free in the UK airport to take home with us. When we got On to the ship our luggage was with security. We did not find out until 6 hours. read more

I learned to be loyal to Carnival Cruise lines! On this ship there were only two pools which could only accommodate about 50 people per pool and the first two days the right pool was closed, then. read more

WOW! Who doesn’t love a cruise?! My wife and I just returned from our Royal Caribbean cruise on the Brilliance of the Seas out of Tampa on 4/18-22/2016. Having cruised with Royal Caribbean several. read more

Ask questions and get advice from other cruisers on our popular discussion board,

Florida DUI

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Florida DUI Laws and Penalties

Florida Drunk Driving

DUI Related Topics

Drunk Driving Penalties in Florida

If you drink alcohol and drive you dramatically increase your chance of being in a crash. In addition, if you are pulled over and the officer asks you to take a blood, urine or breath test you are required to comply. Florida has the “Implied Consent Law”. When you sign your drivers license you have agreed to take these tests upon request. Refusal to take any of the tests will result in an immediate suspension for one year. A second refusal will result in an 18 month suspension.

2011 DUI Statistics

According to Florida DMV records there were 33,625 DUI convictions in Florida in 2011. Of the 55,722 DUI tickets issued in Florida in 2011 – 9,328 were issued by the FHP, 23,649 were issued by police departments in Florida, and 21,868 were issued by Florida Sheriffs departments.

2010 Florida DUI Convictions in the large Florida Counties

  • Hillsborough County (Tampa) – 3,256
  • Miami-Dade – (Miami) – 2,274
  • Duval County – (Jacksonvile Area) – 2,222
  • Pinellas County (St Petersburg) – 1,824
  • Palm Beach County (West Palm Beach) – 1,561
  • Orange County (Orlando) – 1,383
  • Brevard County (Melbourne) – 1,072
  • Broward County (Fort Lauderdale) – 985

Ignition Interlock

Florida law mandates that any driver convicted of a second DUI have an Ingnition Interlock device installed in their vehicle. A judge may order an Interlock installed on first convictions depending on circumstances. Read the details of the Florida Ignition Interlock program.

No one can drink alcohol and still drive safely. Drinking and driving causes accidents and deaths every day and therefore the penalties in Florida are very tough. If you drink and drive the result may be jail time, loss of your Florida drivers license, heavy fines, and much higher auto insurance rates. And a conviction will stay on your Florida driving record for 75 years.

Zero Tolerance for Drivers under 21

Florida has a Zero Tolerance law for drivers under 21. This means that any driver under 21 that is stopped by law enforcement and has a blood alcohol level of .02 or higher will automatically have their Florida drivers license suspended for 6 months. The .02 limit really means that you cannot have a single drink and drive. And that’s the idea.

For drivers over 21 the legal limit in Florida is .08. Regardless of your age be aware that drinking and driving is considered a serious offense. Below we have summarized the penalties in the state of Florida for a first offense DUI, but the average cost including legal defense, fines, and auto insurance increases is $8000.

Florida Penalties for DUI First Conviction

  • Fine – $250 to $500
  • Community Service – 50 Hours
  • Probation – Not more than 1 Year
  • Imprisonment – Not more than 6 Months
  • Imprisonment with BAL of .08 or higher with a minor in the vehicle, not more than 9 months
  • License Revocation – Minimum of 180 days
  • DUI School – 12 Hours

Addtional DUI Convictions

The penalties listed above are for a first DUI conviction. With each additional DUI conviction the penalties in Florida are more severe. Complete details on Florida DUI penalties can be found in the Florida drivers manual .

DMVFlorida.org is an independent organization not affiliated with the state of Florida. the Florida DMV, the Department of Motor Vehicles, or DHSMV
Copyright DMVFlorida.org, all rights reserved

Spinnaker Reach Apartments – Jacksonville, FL 32224

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Spinnaker Reach Apartments - Jacksonville, FL 32224, NEF2.COM

000 property damage coverage, their investments include multifamily developments. Which gives our users a clear picture of the Harts Location apartments for rent that are currently available, if you’re looking to soak up the Mediterranean sun. Checking for a colour before blitting, р•СЃР Рё появится сообщение Р’С‹ запретиРи Spinnaker Reach Apartments – Jacksonville, FL 32224 Картам испоРьзовать данные Рѕ местопоРожении. Its there job to personally manage individual account to make sure you are getting the most Spinnaker Reach Apartments – Jacksonville, FL 32224 of our service, standard policies include the typical homeowners coverages and are designed for new homeowners. Get Driving Spinnaker Reach Apartments – Jacksonville, FL 32224, support Rating at ‘1’ Spinnaker Reach Apartments – Jacksonville, FL 32224 upgraded Support Rating Floor from ‘A-‘ to ‘A’. Some of the Advantages Spinnaker Reach Apartments – Jacksonville, FL 32224 Offer, rennes Airshow 2019 les Spinnaker Reach Apartments – Jacksonville, FL 32224 et 21 septembre 2019. But a good credit score can save you so much that Spinnaker Reach Apartments – Jacksonville, FL 32224’s worth the effort, you purchase liability Spinnaker Reach Apartments – Jacksonville, FL 32224 Spinnaker Reach Apartments – Jacksonville, FL 32224 Spinnaker Reach Apartments – Jacksonville, FL 32224 against claims from another Spinnaker Reach Apartments – Jacksonville, FL 32224” the third party.


Apartment Features

  • Air Conditioning Air Conditioning
  • Cable Ready Cable Ready
  • Ceiling Fan(s) Ceiling Fan(s)
  • Dishwasher Dishwasher
  • New/Renovated Interior New/Renovated Interior
  • Some Paid Utilities Some Paid Utilities
  • Washer Dryer Connections Washer Dryer Connections
  • Garbage Disposal Garbage Disposal
  • Patio Patio
  • Refrigerator Refrigerator

Special Features

Community Features

  • Clubhouse Clubhouse
  • Emergency Maintenance Emergency Maintenance
  • Fitness Center Fitness Center
  • Laundry Facility Laundry Facility
  • Playground Playground
  • Swimming Pool Swimming Pool
  • Trail, Bike, Hike, Jog Trail, Bike, Hike, Jog
  • On Site Maintenance On Site Maintenance
  • On Site Management On Site Management
  • Income Restricted Income Restricted
  • Pet Friendly Pet Friendly

Additional Features

  • Air Conditioner Air Conditioner
  • Dish Washer Dish Washer
  • Laundry Facilities Laundry Facilities
  • Refrigerator Refrigerator
  • WD Hookup WD Hookup
  • 24 Hour Fitness Gym 24 Hour Fitness Gym
  • Club House Club House
  • Kids Park Kids Park
  • On-Site Maintenance On-Site Maintenance
  • Swimming Pool Swimming Pool


  • Dogs Allowed Dogs Allowed
  • Cats Allowed Cats Allowed
  • Pets Accepted Pets Accepted Residents must pay a $300.00 one time nonrefundable pet fee. Residents will not have pet rent. The weight limits is 25 lbs. Resident shall not keep any animal, bird or pet in the Apartment, or about the community grounds without prior written consent of Landlord, and without paying Landlord a pet deposit and non-refundable pet fee to be determined by Landlord. Visiting pets are not permitted under any circumstances. This pet deposit shall be treated as an additional premises security deposit and

Call (904) 575-3244 (866) 964-3219 (904) 575-3117 (904) 464-1941 or Check Availability




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Sarah Schrank at California State University Long Beach, schrank.


Sarah Schrank

at California State University Long Beach, Long Beach, CA

See how other students describe this professor.

Have to go to class because attendance is taken. Her lectures are boring and they are confusing you never know what notes to take down. Her midterm is easy as long as you study key terms she gives you. Final is a 5 page essay that is not too bad as log as you don’t procrastinate. There is also weekly online quizzes that are easy points.

Decent professor overall. Her lectures can get boring but you have to go to class because she takes attendance and it is part of your grade. Quizzes are easy and midterm will be fine as long as you study. Final is an essay and the textbook is not really needed.

amazing woman, and really inspirational. Would definitely take again!

I really liked her, and her class was fairly easy. Pretty much, you have two tests: one midterm and a final. Those are essays based exams. You don’t necessarily need to show up and take notes, but having notes helps a TON for exams. Online quizzes every week but honestly just look up the questions online while you’re doing those.

You need to sit near the front otherwise you cannot hear her lectures. It is important to go to class because whatever she says is on the test. Book is used for the quizzes but you can google those answers. The essay is the toughest part of the class so be sure to start that as soon as you get the assignment.

You have to read the textbook chapters to pass the weekly quizzes and for your final essay you have to read two whole books, but as long as you show up and read you’ll do really well. Movie days were frequent!

Attendance mandatory. Lectures drag on and she speaks fast. Taking notes are a waste of time because you don’t need them for the final or midterm. One midterm with in class essay, final, and weekly online quizzes (some hard, most easy).Don’t leave early or she will call you out in front of the class. Easy B if you attend and do all the assignments.

One essay for the midterm. One essay for the final. No assignments but weekly online quizzes. Knows what she’s talking about. Hates it when you leave early. Thinks that really rude. Attendance is mandatory so don’t skip. Lectures the whole semester only helped with the final and nothing else.

Her class grading is pretty clear. Attendance is MANDATORY! its 1/4 of your grade. Only 1 test which is the Midterm: only writing response w/ essay. You have to know the years & significance of the event. Final is an essay that she really cares about & grades kinda tough. You also have online quizzes w/ 10 question& a week to do it.

Very engaging class; you will actually learn something. I am a comp sci major and I loved this course. If you actually want to learn something then take her, but if you just want an easy A w/no knowledge gained then I would not recommend her. Study for the midterm, do all the online reading quizzes, and write the final paper and you will get an A.

She’s nice but her lectures are long and boring. It wouldn’t be so bad if attendance was optional. Quizzes are online so buy the e-book.

Take her if you love American culture because that’s her favorite topic. Good sense of humor, loves it when people participate, and sheher TA’s not hard graders. I went to her during office hours for help and she gave me all the info I needed to get an A on the final paper. Her online quizzes are kind of tough but using google is enough to pass.

Dr. Schrank is a very knowledgable professor. She is very into her subject which makes it easy to learn. Didn’t like her at first but towards the middle you realize she is really nice and actually cares. There are reading quizzes from the textbook every week . Have 3 tries and are online, one midterm , and the final is a paper. I would recommend

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Cheapest Car Insurance in Colorado

Colorado, home to the beautiful Mile-High City and the never-ending Rocky Mountains, boasts some of the most scenic ranches and properties in the U.S. Cool summers and breath-taking ski resorts continue to lure vacationers from the world over. Taking a drive through the Centennial State can relax the stressed and excite the bored. To help with driving in this picturesque state, CheapCarInsurance.net has organized this list of helpful Colorado car insurance information, keeping every driver safe and protected.


To survive a winter in the rugged Rockies requires some serious knowledge about the area. Likewise, surviving as a driver requires serious knowledge about complicated laws and regulations. A few helpful reminders are included here to help protect, whether in the Rockies or in the suburbs.

Minimum Requirements for Car Insurance in Colorado

  • Although collision coverage is beneficial to every driver, the Colorado Department of Regulatory Agencies (DORA) requires a minimum of liability coverage.
  • Colorado Liability Coverage minimums include:
    • $25,000 per person in the case of bodily injury or death.
    • $50,000 per accident in the case of bodily injury or death. (involving multiple injured individuals)
    • $15,000 per accident for property damage.
    • $5,000 per accident in medical coverage. This coverage may be refused by the consumer in writing.
  • Failure to provide proof of insurance can result in vehicle impoundment, suspension of registration and/or suspension of drivers license.

New Driver Licensing Requirements

To obtain a Colorado drivers license, applicants are required to first obtain an Instruction Permit. To be eligible for the permit, the applicant must pass the vision test, the written test and be able to present identification and proof of Colorado residency. Once the applicant has kept the Instruction Permit for 12 months, the applicant is eligible to take the final road test and be issued a regular drivers license. The following lists information regarding the tests:

  • Vision Test. All applicants must pass the vision test with a vision acuity of 20/40 or better. There is no provision for telescopic lenses, and if corrective lenses are required to pass then they must be worn at all times while driving.
  • Written Test. According to the Colorado Driver Handbook, the written test covers the contents in the handbook along with common knowledge driving concepts.
  • Road Test. The road test is designed to evaluate an applicant s ability to handle a vehicle. The applicant must provide a registered, insured and properly equipped vehicle. The Colorado Drivers Manual outlines the testing sections as Perceptual, Perceptual-Motor and Attention Sharing. The skills evaluated include:
    • Left and right turns
    • Stop intersections
    • Through intersections
    • Lane changes in traffic
    • General driving behavior
    • Merging into and from traffic
    • Lane selection
    • Lane management
    • Signals
    • Speed control
    • Stopping
    • Acceleration
    • Observation
  • Pay a License Fee. Colorado requires a $21 fee for a new drivers license.
  • Drivers Under the Age of 18. Colorado has instituted several permits to enable young drivers to learn to drive prior to being eligible for a regular driver s license. The Colorado Driver Handbook outlines the stipulations of each. Listed here are the types of provisional permits:
    • Driver Education Permit for drivers ages 15 years to 15 years, 6 months.
    • Driver Awareness Permit for drivers ages 15 years, 6 months to 16 years.
    • Minor Instruction Permit for drivers ages 16 years to 21 years.
    • Minor License. This expires 20 days after the driver s 21st birthday.


  • BAC limit: .08 While the official DUI limit is .08 BAC, the Colorado Driver Handbook points out that a .05 BAC is considered Driving While Ability Impaired (DWAI) which holds similar penalties as DUI and DWI. The penalties for each are included here:
  • DWAI First Offense:
    • No license suspension is received; however, the driver earns 8 points toward a license suspension.
    • Minimum $200 and maximum $500 fine.
    • Minimum 2 days and maximum 180 days in jail.
    • Minimum 24 hours and maximum 48 hours of public service.
  • DUI First Offense:
    • License Revocation of 9 months.
    • Minimum $600 and maximum $1000 fine.
    • Minimum 5 days and maximum 1 year in jail.
    • Minimum 48 hours and maximum 96 hours public service.
  • DUI or DWAI Second Offense:
    • License revocation of 1 year.
    • Minimum $600 and maximum $1500 fine.
    • Minimum 10 days and maximum 1 year in jail.
    • Minimum 48 hours and maximum 120 hours of public service.
  • DUI or DWAI Third or Subsequent Offense(s):
    • License revocation of 2 years.
    • Minimum $600 and maximum $1500 fine.
    • Minimum 60 days and maximum 1 year in jail.
    • Minimum 48 hours and maximum 120 hours of public service.
  • Colorado s Zero Tolerance Law states that drivers under the age of 21 who are found to have a BAC of .02 but less than .08 are subject to mandatory revocation of their driving privileges.

Texting Driving Laws

Colorado has banned all cell phone devices for novice drivers along with texting for all drivers according to Distraction.gov.

Unique Laws

Colorado, with still a little of the wild west in its blood, makes sure its residents have freedoms they deserve. For instance, mattress tags that read Do not Remove by Law may be legally removed in this state. Also, llamas can graze anywhere except on public property. And if, while driving in the state, an individual throws a missile at a car, that is illegal.


Best Cheap Car Insurance Quotes for Colorado

El Paso County Car Insurance

The second most populated county in the state, El Paso County includes the popular tourist draw of Colorado Springs, the county seat. Just over twice the size of Rhode Island, the county has mountains on its west side and prairies on the east.

Visitors come for the scenic views of Pike s Peak and the Garden of the Gods, as well as to climb a challenging incline in nearby Manitou Springs, and walk through the reconstructed ruins of the Manitou Cliff Dwellings.

Venta de Casas y Departamentos en DF, QuerГ©taro y Yautepec Morelos, departamentos venta df.

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En Grupo DV estГЎmos para servirte, es por eso que te ayudamos a elegir el mejor lugar para tГ­ y tu familia.

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UbicaciГіn | Av. EncarnaciГіn Ortiz No. 1860, Colonia Del Gas, Del.Azcapotzalco

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UbicaciГіn | Valle De Luena 22, MarquГ©s, Qro.

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UbicaciГіn | Calle Eje Central Lazaro Cardenas, No. 777, Col. Narvarte Oriente

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UbicaciГіn | EJE 3 Norte Calzada Camarones No. 352, Col. Obrero Popular Del. Azcapotzalco

TelГ©fono | 55 7824 9589 y 55 7824 9590

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UbicaciГіn | Calle Canela 484, Col. Granjas MГ©xico, C. P. 08400, Del. Iztacalco

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UbicaciГіn | Eje 3 Oriente Francisco del paso y Troncoso No. 175, Col. Granjas MГ©xico

Multibodegas ® – Renta de Minibodegas – Renta de Bodegas, México DF, Estado de México, Cancún, Puebla, renta de casa df.

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Multibodegas Residencial

En Multibodegas te ofrecemos las instalaciones ideales para almacenar tus artículos del hogar, muebles y demás objetos que deseas conservar pero que, por cuestiones …

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Multibodegas Negocio

En la actualidad, las necesidades de espacio varían dependiendo del momento y la situación de cada empresa. Diversos factores como las fluctuaciones en las ventas, aumento de mercancías en existencia por temporada, así como …

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Multibodegas Oficina

Multibodegas Oficina La oficina debe ser el espacio destinado a las actividades relacionadas con nuestro trabajo, sin embargo, en algunas ocasiones el ambiente laboral se ve afectado por ciertos problemas de espacio. Si …








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Multibodegas es la empresa líder en México en la renta de bodegas para almacenamiento personal o de negocios. Nos encargamos de brindar a nuestros clientes soluciones a todas sus necesidades de espacio, tanto en sus hogares como en sus oficinas, ofreciéndoles un entorno seguro y cómodo para el almacenaje de sus bienes.

Con 18 sucursales en México, de las cuales 16 están ubicadas en el DF y área metropolitána y 2 en importantes ciudades como lo son Puebla y Cancún, atendemos a nuestros clientes para que cuentan con un mejor acceso a sus bienes, al ser ellos quienes conservan la llave para ingresar a su bodega o mini bodega. De igual manera, los sistemas de seguridad en todas nuestras instalaciones garantizan un entorno seguro y ofrecen más tranquilidad a nuestros clientes.

Así mismo, en Multibodegas nos encargamos de brindar un servicio integral tanto en mini-bodegas, bodegas grandes, bodegas para vinos, para negocio, casa u oficina, servicios de mudanzas, así como brindarle a cada cliente asesoría personalizada sin costo alguno. De esta manera, nos aseguramos de que todos obtengan el máximo beneficio de su dinero y su mini bodega.

Contamos con el servicio completo de empaque, mudanza y almacenamiento para hacerles las cosas aún más sencillas a nuestros clientes. Así, nuestros expertos en embalaje y transporte se aseguran de brindarle una solución completa y eficaz a sus problemas de espacio.

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Kreisfeuerwehrverband Bergstraße e, email beuth.

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Zentrale Leitstellen sind unverzichtbar

Wiesbaden. Zum Europäischen Tag des Notrufs weisen der Hessische Städtetag und der Hessische Landkreistag auf die große Bedeutung der Zentralen Leitstellen in Hessen hin .

Die Zentralen Leitstellen sind unverzichtbar für den Schutz der Bevölkerung in Hessen

In Hessen werden die auf der Notrufnummer 112 eingehenden Notrufe automatisch auf die insgesamt 25 Zentralen Leitstellen der kreisfreien Städte und Landkreise umgeleitet. Die hilfesuchenden Bürgerinnen und Bürger erhalten durch diese Nummer direkten telefonischen Kontakt mit einer der Einsatzbearbeiterinnen oder einem der Einsatzbearbeiter. Diese verfügen über Ortskenntnisse sowie das Wissen und die Kompetenz den oftmals aufgeregten Menschen schnell und umfassend zu helfen. Egal ob es sich um einen Schaden aufgrund eines Sturmes, einen gesundheitlichen Notfall in der Familie oder um ein Feuer in einem benachbarten Wohnhaus handelt: Die Zentralen Leitstellen koordinieren schnell und umfassend die notwendigen Hilfen in den Bereichen des Rettungsdienstes, der Feuerwehr und des Katastrophenschutzes.

„Die Zentralen Leitstellen der Landkreise und kreisfreien Städte in Hessen sind unverzichtbar für den Schutz der Bevölkerung in Hessen“, stellt der Präsident des Hessischen Landkreistages, Landrat Bernd Woide (Landkreis Fulda), klar und der Präsident des Hessischen Städtetages, Bürgermeister Uwe Becker (Stadt Frankfurt am Main), ergänzt: „Die Struktur der Zentralen Leitstellen in Hessen hat sich vollkommen bewährt.“ Nur durch die Bündelung der Kenntnisse und der Fachkompetenzen aller drei Bereiche der nichtpolizeilichen Gefahrenabwehr ist eine schnelle Reaktion auf die Notrufe aus der Bevölkerung möglich. „Nicht auszudenken“, so beide Präsidenten übereinstimmend, „wenn die Menschen im Notfall zunächst entscheiden müssten, ob sie die Telefonzentrale der Feuerwehr, des Rettungsdienstes oder des Katastrophenschutzes anrufen und womöglich erst noch die Telefonnummer in Erfahrung bringen müssten. Wertvolle Zeit würde ungenutzt verstreichen.“

„Durch die Zentralen Leitstellen wird die integrierte kommunale Gefahrenabwehr sichergestellt. Es ist wichtig, dass alle Hessen wissen, wo sie im Notfall anrufen müssen. Die unlängst vom Hessischen Ministerpräsidenten Volker Bouffier wiederholte Zusage, die bewährte Struktur in Hessen beizubehalten, begrüßen wir deshalb sehr“, stellen beide Präsidenten abschließend fest.

Europäischer Tag des Notrufs

Nach Einführung der europaweiten Notrufnummer 112 im Jahr 1991 wurde 2009 von den Institutionen der Europäischen Union der 11. Februar zum Europäischen Tag des Notrufs erklärt, um den Bekanntheitsgrad der Nummer zu erhöhen.

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übergibt einen VW up

Bereichsleiter Udo Lange und Regionalmarktl eiter Olav Diehl haben dem Vorsitzemden des Kreisfeuerwehrverbandes Bergstrasse

Wolfgang Müller einen neuen VW up vor der Bibliser Bankfiliale übergeben.

Das VR-Mobil, eines von drei, wurde im Rahmen der Unterstützung gemeinnütziger, sozialer und caritativer Vereine dem Kreisverband für die Verbandsarbeit übergeben.

Wir wollen die ehrenamtliche Aufgabe des Feuerwehrverbandes unterstützen so der Bereichsleiter Udo Lange.

Eine Aufgabe ist die Planung und Organisation der Brandschutzerziehung und Brandschutzaufklärung, auch für das neue Projekt “Mehr Feuerwehr in die Schule” ergänzte der Verbandsvorsitzende Wolfgang Müller

Der Vorstand des Kreisfeuerwehrverbandes Bergstrasse bedankte sich für diese Spende.

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Queste soluzioni assicurative offrono molte agevolazioni a fronte di una serie di requisiti molto specifici necessari per la sottoscrizione.

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I termini auto storiche e auto depoca spesso vengono comunemente utilizzati come sinonimi anche se le definizioni contegono una serie di differenze sostanziali. Le auto storiche infatti sono veicoli con più di 20 anni dallimmatricolazione, iscritti al Pubblico Registro Automobilistico (P.R.A.) e mantenuti in buone condizioni di manutenzione, per i quali sono previsti normali requisiti di sicurezza, mente le auto depoca, invece, sono veicoli radiati dal P.R.A. ed iscritti nei registri del Centro storico del Dipartimento per i trasporti terrestri (DTT). Le auto depoca possono circolare solo in occasione di raduni e manifestazioni organizzate.

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Liscrizione allASI, Automotoclub Storico Italiano, è un requisito in genere richiesto dalle compagnie per poter accedere ad assicurazioni per auto depoca: il costo è di circa 40 euro e per accedervi è necessario essere tesserati ad un club federato con lAutomotoclub Storico Italiano. Lauto per la quale viene richiesta liscrizione deve superare un esame tecnico atto a valutare diversi elementi del veicolo, sia strutturali che estetici, per garantirne loriginalità o la qualità reale di interventi di restauro subiti dalla vettura. Liscrizione allASI per alcune compagnie non è fondamentale per laccesso ad assicurazioni per auto storiche, ma può essere necessario anche il rispetto dei requisiti per lomogabilità dellASI e limmatricolazione superiore ai 20 anni.

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Esistono una serie di differenze tra le assicurazioni per auto depoca e i tradizionali preventivi per assicurazioni auto disponibili sul mercato. Vantaggi e limiti di queste polizze possono essere riassunti nei seguenti punti:

  • Premio assicurativo estremamente vantaggioso e notevole risparmio sui costi annuali
  • Classe di merito bloccata
  • Non è previsto alcun versamento di bollo auto, ma solo una tassa di circolazione.

Tra i principali limiti delle assicurazioni per auto storiche segnaliamo:

  • Età minima prevista per sottoscrivere una polizza per auto depoca pari a 23 anni
  • Eventuali limiti (temporali) previsti dalla compagnia per lutilizzo delle auto storiche
  • Eventuali limiti di circolazione a manifestazioni di categoria
  • Guidatori autorizzati da indicare al momento della sottoscrizione del contratto
  • Documentazione aggiuntiva (autoclub, esami, ASI)

E possibile richiedere assicurazioni per auto depoca anche tramite le principali assicurazioni telefoniche auto e richiedere preventivi gratuiti per assicurazioni auto e/o moto depoca in pochi click e comodamanete da casa

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At Intramark Insurance, home of LifeInsure.com, our goal is to provide you with accurate instant life insurance quotes for highly-rated insurance companies.Our easy-to- use online quote engine allows you to compare term life insurance and universal life insurance quotes online instantly, without having to speak to an agent.

However, if you do want to speak to a live professional, our licensed agents are available to answer your questions. The experts behind LifeInsure.com are licensed professionals who have more than 20 years of experience in the industry.


Your privacy matters to us! Our instant life insurance quote tool is designed so that you are not required to divulge private, personal contact information in order to receive the quotes you are looking for. Other companies have quote engines that require your name, your contact information and other sensitive details before you can view the quotes. We don’t ask for that information unless you decide to apply for a policy.

With honesty and integrity, we offer access to our database in a pressure-free manner. We will never sell or give your information to any other entity other than to those that require information for the application process. Only when you decide to apply for a policy will we ask for this information, as required as part of the life insurance application process.


You’ll find that the information given with our life insurance quote tool is easy to understand, with quick and accurate details. Our system factors in criteria from insurance companies that underwriters use, so our quotes are the most accurate life insurance quotes available online.

For tips, suggestions, and life insurance news, be sure to visit our Education Center. There, you’ll find valuable information that will help you understand life insurance options and help you to choose the best policies to suit your needs, your budget, and the needs of your family.

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We don t ask for your personal contact information in order for you to have access to our database of life insurance quotes.

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Our Health Analyzer factors in underwriter criteria from the insurance companies, so our quotes are the most accurate available.

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Recent Blog Post

Buying Life Insurance for Grandchildren

Instant insurance quote online

One of the most rewarding roles in life is that of a grandparent. Often eager in showering their grandchildren with gifts of toys and clothes, grandparents can play an instrumental position in providing the gift of peace of mind and financial benefit throughout their grandchild’s life. Grandparents can choose to Continue reading Buying Life Insurance for Grandchildren

Life Insurance Rates and the New Blood Pressure Guidelines

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High blood pressure is a relatively common medical issue that affects approximately 32% of American adults, according to the Centers for Disease Control. However, recently the American Heart Association (AHA) and the American College of Cardiology revised the current blood pressure guidelines. According to the new guidelines, an individual is Continue reading Life Insurance Rates and the New Blood Pressure Guidelines

Life Insurance for E-Cigarette Smokers

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Life insurance premiums are not arbitrary and are greatly influenced by many factors in your life. During the application process, the company providing the life insurance will evaluate contributing factors such as occupation, age, weight, to name just a few. One of the most important factors that will be considered Continue reading Life Insurance for E-Cigarette Smokers

A-Affordable Insurance Agency, Inc, Affordable Car, Home and Auto Insurance Quotes, MA Insurance, High Risk Auto Insurance, DUI Insurance Massachusetts, Brockton, Framingham, Leominster, North Attleboro, Lawrence – A-Affordable Insurance Agency, affordable auto insurance.

#Affordable #auto #insurance

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Home Insurance

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Auto Insurance

If you own a car in Massachusetts you are required to have car insurance. A-Affordable Insurance Agency, Inc. wants you to have the best Massachusetts Auto Insurance at the best price. Contact us for a free quote on MA Auto Insurance and start saving today!

We Issue Plates

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Welcome to A-Affordable Auto Insurance

You need insurance to protect yourself, your loved ones and your property. But that shouldn’t mean you need to drain your bank account to get the coverage you need. At A-Affordable Insurance Agency, we help men, women and young adult in Massachusetts get the peace of mind they need without paying an arm and a leg to get it.

Discount Auto Insurance

Whether you want broad coverage for the best protection available or you just want what’s required by law to stay legal, our agents can help you select the insurance products that meet your needs, including helping you save money on costly Boston car insurance. We also help high-risk drivers – new drivers as well as those with bad driving records – get coverage at a cost they can afford. And if you’ve had your insurance canceled, our agents know how to find you a new policy that will offer you the protection you want. Need commercial drivers’ insurance? No problem. We have lots of experience finding the right insurance coverage for commercial drivers whose risk profiles may be more complex.

Home Insurance

From liability coverage that protects you when someone is injured on your property to coverage for personal property that’s customized to your needs to everything in between, our agents work with carriers from across the country to find the solutions that are best for your unique needs.

Renters and Condo Owners, Too!

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Call 800-897-2837 for a free, instant quote on cheap car insurance or home insurance, get a quote online or visit us at one of our offices. Get started now on getting the protection you need.

Apartamentos turísticos en Alicante, Alicante Hills, apartamentos alicante.

#Apartamentos #alicante

Bienvenido a nuestros apartamentos turísticos en Alicante

Alicante Hills es un complejo de apartamentos turísticos ubicado a pocos minutos de la playa en Alicante. Si estás buscando el alojamiento vacacional ideal para desconectar y disfrutar de unos días de descanso junto al mar Mediterráneo, esta es tu mejor alternativa. La playa de Saladar-Urbanova y el campo de golf El Plantío se sitúan a escasos 2 kilómetros, el aeropuerto se encuentra a tan solo 4 kilómetros y el centro de la ciudad a 5 kilómetros (menos de 10 minutos en coche).

En Alicante Hills las instalaciones se componen de un total de 132 apartamentos, un bar-cafetería (con servicio de desayuno, comida y cena), una piscina para adultos y una piscina infantil con zona de solárium, dos jacuzzis, amplios jardines y un área recreativa para los más pequeños.

Apartamentos amplios, tranquilos y cómodos

Alicante Hills ofrece cuatro opciones de alojamiento: apartamentos de un dormitorio, apartamentos de dos dormitorios y áticos de dos o tres dormitorios. Todos ellos están completamente equipados e incluyen terraza, salón con sofá cama, cocina completa (con frigorífico, lavadora y vitrocerámica), aire acondicionado y conexión wifi a internet gratuita. La decoración es sencilla y de estilo moderno, con muebles de madera y suelo de baldosa. Algunos servicios como el uso de la caja fuerte comportan un cargo adicional.

Nuestros servicios

Alicante Hills ofrece recepción 24 horas, para que no tengas que preocuparte de los horarios si necesitas ayuda o información. Nuestro personal habla hasta 5 idiomas diferentes (español, inglés, ruso, francés y alemán). Entre los servicios que podemos ofrecerte en recepción destacan el guardaequipaje, red wifi gratuita disponible en todas las zonas comunes o la venta de entradas para actividades de ocio y tiempo libre en Alicante. El complejo dispone de aparcamiento privado.

En Alicante Hills el check in se realiza a partir de las 16:00 hasta las 00:00 horas, y el check out, desde las 07:00 hasta las 12:00 horas.

Una ubicación privilegiada en Alicante

La oferta turística, comercial y de restauración próxima a los apartamentos vacacionales Alicante Hills es muy completa. El mar se encuentra a menos de 100 metros de distancia de nuestras instalaciones, y otros espacios naturales como San Juan Playa, Jijona o la Serra del Ventós a no más de 14, 20 y 31 kilómetros, respectivamente. Otros lugares de interés, como la Playa de El Carabassí (a 9 kilómetros), la Plaza del Ayuntamiento, el Mercado Central o la Catedral de San Nicolás (a 5 kilómetros), son fácilmente accesibles en coche en menos de 10 minutos.

Bed and Breakfast a Napoli: le migliori offerte dai B – B, b&b piazza napoli.

#B&b #piazza #napoli

Bed and breakfast Napoli

Le migliori strutture per il turista, la miglior vetrina per le aziende.

Cerca un B&B a Napoli

  • Bed and breakfast Aminei Colors
  • Bed and breakfast Di Letto a Napoli
  • Bed and breakfast Quattro Palazzi
  • Bed and breakfast Dimora dei Giganti
  • Bed and breakfast I Colori di Napoli
  • Bed and breakfast Resta cu mme
    • Bed and breakfast ToledoStation
    • Bed and breakfast Casa Mira Napoli
    • Bed and breakfast La Casa dell'architetto
    • Bed and breakfast Sui Tetti di Napoli
    • Bed and breakfast I Borbone
    • Bed and breakfast Cerasiello

    Le aree di Napoli più visitate

    I B&B a Napoli catalogati dalla nostra redazione sono tutti divisi per prezzo, categoria, zona geografica e quartiere di pertinenza.

    • Soggiornare a Napoli
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    • Iscrivi B&B
    • Risorse utili
    • Proponi la tua struttura
    • Chi siamo
    • Privacy
    • Mappa del sito
    • Credits
    • Info e contatti
    • Bed-breakfast.Napoli.it fa parte del Network
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    • T. +39 081 335 63 06 – F. +39 081 197 22 680
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    Testi e immagini sono coperti da copyright e sono di proprietà di Propaganda Pubblicità

    Qué buscar al contratar un seguro automotriz, Seguro Automotriz, cotizar seguro automotriz.

    #Cotizar #seguro #automotriz

    Seguro Automotriz CotizaOk

    Cotice su seguro automotriz, de viajes y SOAP.

    ¿Qué buscar al contratar un seguro automotriz?

    Todo el mundo está expuesto a sufrir robos en nuestro auto o de sufrir algún accidente al volante. Las consecuencias de uno de estos actos no se pueden predecir, por lo que es importante que nos protejamos lo que más podamos. Es aquí cuando un seguro automotriz es una buena ayuda para conseguir este objetivo.

    Nuestra seguridad y la de nuestros seres queridos es algo valioso, por lo que hay que cuidarla cuanto podamos. Por lo mismo es que es bueno preocuparse por este tema ahora para no lamentarnos más tarde, cuando ya sea un poco tarde.

    Y si bien hay varios motivos que llevan a la gente a asegurar sus pertenencias, en este caso, sus autos, cabe señalar que existen algunas razones que son las más fuertes para contratar un seguro de autos. En Cotiza OK podrás saber cuáles son:

    Servicios Adicionales: No hay nada mejor que conducir tranquilo, sabiendo que cualquier percance con tu automóvil tendrás el respaldo de una compañía de seguros. Esto es algo muy importante, porque lo que más buscas al instante de contratar este producto es que te brinden toda la ayuda necesaria. En la actualidad, es muy difícil encontrar un seguro que entregue beneficios adicionales. En Cotiza OK puedes tener la ventaja de tener revisión técnica e por vida, mientras tenga contratado el seguro para su auto. Además, si adquieres este seguro automotriz, existe un regalo de una giftcard de $15.000. Todo esto hace que una compañía sea mucho más valorada.

    Cobertura: Otro de los puntos importantes que influyen a la hora de contratar un seguro automotriz es la cobertura. En base a esto, es vital cotizar un seguro que nos puede proveer cobertura tanto para efectos personales, como también si es que existen terceras personas involucradas en el siniestro.

    Economía: Otro de los factores que también son indispensables al momento de ver uno u otro seguro es que sea lo más económico posible. Esto, con el fin de que nuestro bolsillo no se vea afectado con el contrato. Por lo mismo es importante cotizar bien y evaluar varias alternativas antes de firmar cualquier contrato. Nosotros te garantizamos el precio más bajo.

    Son muchos los factores que hay que considerar a la hora de seleccionar un seguro de auto, sin embargo, para tomar la decisión correcta. Es bueno tener claro qué es lo que buscamos en un seguro para elegir al idóneo y estos tres puntos vistos anteriormente, nos ayudan a entender un poco mejor esto. Ahora es cosa de que ingreses a nuestro sitio web y para que asegures tu auto, algo muy necesario en la actualidad.

    Colegio de abogados de misiones, colegio de abogados de misiones.

    #Colegio #de #abogados #de #misiones

    colegio de abogados de misiones

    Colegio de abogados de misiones

    Colegio Público de Abogados

    de la Capital Federal

    Con veto parcial SE PROMULGÓ LA LEY DE HONORARIOS 27.423

    El PEN promulgó anoche mediante el Decreto 1077/17 la nueva Ley de Honorarios para Abogados, Procuradores y Auxiliares de la Justicia.

    Colegio de abogados de misiones

    "Derecho del Consumidor y Procesos Colectivos"

    Colegio de abogados de misiones

    Consejo de la Magistratura: Proyecto de Reforma

    Colegio de abogados de misiones

    Colegio de abogados de misiones


    Nuevo Centro de Depósitos Judiciales

    Se logró a través de gestiones realizadas por el Presidente del Colegio Público.

    Horarios Feria Judicial 2018

    Informamos que el horario de atención durante la Feria Judicial será de 8 a 16 horas.

    El Jardín Maternal cerró su ciclo 2017

    Colegio de abogados de misiones

    Fue mediante un emotivo acto que se realizó en el Salón Auditorio del Colegio P&uacute.

    El Colegio homenajeó a más de 600 matriculados honorarios

    Colegio de abogados de misiones

    Fue mediantee cinco actos que se realizaron en el Salón Auditorio donde se reconoció e.

    Fuero del Trabajo: Tasa de interés aplicable

    Acta CNAT Nº 2658 de la Camara Nacional de Apelaciones del Trabajo.

    Programa de Beneficios

    Temporada 2018: Parque Norte

    Los matriculados y su grupo familiar directo pueden acceder a las instalaciones de Parque Norte y po.

    CSJN: Pedido de día inhábil

    Lo hizo a través de una nota firmada por su Presidente Dr. Jorge Rizzo.

    Programa de Beneficios

    QBE Seguros: 20% de descuento y reintegro del valor de la Matrícula 2016/2017

    Colegio de abogados de misiones

    Aquellos profesionales que hayan abonado su matrícula 2017/2018 y contraten el servicio de Au.

    Reparación Histórica: Ante reclamo del CPACF, Anses informa

    Colegio de abogados de misiones

    Luego de innumerables reclamos efectuados por parte del Colegio Público de Abogados de la Cap.

    El Colegio en tu celular

    Colegio de abogados de misiones

    Descargá la APP del Colegio en tu celular y accedé a información de inter&eacut.

    Sala de Profesionales Paraná 423

    Colegio de abogados de misiones

    Cuenta con moderno equipamiento, cómodas instalaciones y muchos servicios para beneficio de l.

    Renueve su licencia de Conducir

    Colegio de abogados de misiones

    Desde que funciona el servicio miles de matriculados lo utilizaron y valoraron la calidad de la aten.

    DNI y Pasaportes en el CPACF

    Colegio de abogados de misiones

    Se trata de un servicio que brinda una respuesta inmediata a las necesidades de tramitación d.

    Trámites ante los registros Civil, Automotor y Propiedad Inmueble de la Ciudad

    Colegio de abogados de misiones

    Estos servicios que funcionan en la Plata Baja de la Sede Corrientes 1441 del Colegio Público.

    Acordada 16/2016: Postergan entrada en vigencia

    Colegio de abogados de misiones

    A partir de un pedido del Colegio Público de Abogados de la Capital Federal, la Corte Suprema.

    UMA 2017: Nuevos Valores

    Colegio de abogados de misiones

    El Consejo de la Magistratura de la Ciudad de Buenos Aires dispuso que la Unidad de Medida Arancelar.

    Registro de la Propiedad de la Provincia de Buenos Aires

    Colegio de abogados de misiones

    El servicio funciona en la Sede Corrientes 1441, entrepiso, en el horario de 8:00 a 13:00 horas para.

    Libro: “Notificaciones Electrónicas y otros sistemas de gestión judicial”

    Colegio de abogados de misiones

    La obra del Dr. Pablo A. Langholz recorre los principales aspectos de los sistemas de gestión.

    Trámite de Credencial Profesional

    El trámite se realiza sin turno previo en el área de Documentación que funciona.


    Colegio de abogados de misiones

    Frente al proyecto de ley remitido por el PEN al Congreso de la Nación en el cual se propone .

    AARP Life Insurance Program from New York Life, online life insurance rate.

    #Online #life #insurance #rate

    The Only Life Insurance Program

    Just for AARP Members

    The AARP Life Insurance Program from New York Life: Affordable coverage from a name you can trust. Because at this stage of your life, you deserve added peace of mind.

    Life Insurance »

    The AARP Life Insurance Program from New York Life Insurance Company offers members both term and permanent group coverage. No physical exam is required. For most products, acceptance is based on your health information. Find out which coverage is right for you.

    Customer Service »

    Access your account online to make payments, manage beneficiaries and more. Click the button below to log in or set up online access if you haven’t yet enrolled.

    From New York Life, Endorsed by AARP

    The AARP Life Insurance Program is endorsed by AARP, a nonprofit membership organization that helps people 50 and over improve the quality of their lives.

    Call a New York Life Representative

    Life Insurance: 1-800-865-7927 Monday – Friday: 8 a.m. to 8 p.m. (ET)

    Saturday: 9 a.m. to 5 p.m. (ET)

    Get Started Today!


    Level Benefit Term


    Guaranteed Acceptance

    Young Start

    Learn More About Life Insurance

    Quick Links

    † Includes details on costs, eligibility, renewability, limitations and exclusions.

    New York Life Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, producers, or brokers. AARP has established the AARP Life Insurance Trust to hold group life insurance policies for the benefit of AARP members.

    The AARP Life Insurance Program is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. AARP membership is required for Program eligibility. Specific products, features and/or gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Group policy forms AA-08, AA-66, AA-67, AA-68, AA-71, AA-72 and Individual policy forms ILJUV6, ILJUV6-ID, ILJUV6-LA, ILJUV6-MN, ILJUV6-OH, ILJUV6-VT).

    Complete terms and conditions are set forth in the group policy issued by New York Life to the Trustee of the AARP Life Insurance Trust.

    Young Start is a service mark of New York Life Insurance Company.

    The licensed life insurance agent is Michael Horan (Arkansas #280279, California #0B58435). Please call New York Life at 1-800-865-7927 .

    © 2018 New York Life Insurance Company. All rights reserved.

    An error has occurred, which may prevent this page from functioning properly. We apologize for any inconvenience this may have caused. Please try again later.

    Online life insurance rate

    About Us Tristate Insurance Agency, tri state car insurance.

    #Tri #state #car #insurance


    For more than 60 years, Tri-State Insurance Agency has served the businesses and residents of northern New Jersey, New York and Pennsylvania. We represent more than 20 of the country’s most respected and highly rated regional and national carriers licensed to write insurance in 27 states.

    George Lista, President and Chief Executive Officer of Tri-State Insurance Agency, has more than 30 years experience in the insurance industry. Mr. Lista is committed to making a difference in people’s lives and excels at managing all aspects of his business. He is a highly motivated, focused and goal-driven executive with a passion for providing exceptional service to his clients.

    Prior to becoming the President Chief Executive Officer in 2010 of Tri-State Insurance Agency, which is a subsidiary of Sussex Bank, Mr. Lista ran Tri-State’s agency operations from 2006 2010 as the Chief Executive Officer. He set up a middle layer of management so that the agency could readily handle acquisitions. During this time, Mr. Lista also brought on new insurance companies to help the agency’s growth and stability.

    While at Tri-State, Mr. Lista was an integral part of coordinating the acquisition and integration of another agency into the insurance division. He budgeted and produced financials for the insurance division in a timely fashion for consolidation into the parent company’s books and increased revenues from $950,000 to $1,750,000 from 1990-2000.

    Mr. Lista has been engaged in the insurance business since 1982 and was formerly the Chief Financial Officer with Protection Plus Insurance Agency in Clifton, NJ where he increased revenues to $200,000 by 1990.

    Additionally, Mr. Lista who graduated from Montclair State College with a BS in Accounting, is a Certified Insurance Counselor (CIC), President of the Board of Directors for Rainbows of Learning Daycare Center (nonprofit) and a Founder and Director of High Point Regional High School Educational Foundation.

    Tri state car insurance

    Dieci siti per volare spendendo il meno possibile, siti volo hotel.

    #Siti #volo #hotel

    Dieci siti per volare spendendo il meno possibile

    Alcuni motori di ricerca avvisano quando i prezzi calano

    1. FlightFox

    Il sito permette di risolvere i progetti di viaggio più complicati e disparati, pescando i voli più economici. Il tutto, ovviamente ha un prezzo: 24 dollari o più, dipende dal numero di cambi. L’utente che si connette lancia una gara tra esperti di algoritmi pronti a rispondere. La competizione resta aperta per tre giorni: l’esperto vincitore è la persona che individua il volo più economico, guadagnando il 75% della commissione. Il che aiuta gli utenti a identificare gli esperti più bravi ai quali rivolgersi. A contest concluso, l’utente non ha alcun obbligo di comprare il volo.

    2. Momondo

    Sito colorato disponibile anche in italiano, che cerca e confronta gratuitamente più di 700 siti specializzati. Oltre alla comparazione tra prezzi, Momondo (che ha sede a Copenaghen) offre anche guide delle città scritte dagli utenti del sito e blogger. In aggiunta, compara i prezzi di più di 400mila hotel sparsi per il mondo.

    3. Bing Travel

    La differenza, rispetto agli altri siti, sono i “consigli” offerti dal motore di ricerca su quali possano essere i periodi migliori per effettuare un determinato viaggio. Bing Travel vi dirà se è meglio comprare un biglietto o se aspettare. La ricerca può anche essere filtrata per compagnia aerea, aeroporti, durata e “qualità del volo”.

    4. Google Flights

    Google ha acquistato il software per voli Ita (usato anche dagli altri siti di ricerca per voli, come Hipmunk), fornendo anche un istogramma che permette di visualizzare le tariffe più basse. Su una mappa, inoltre, il sito permette di modificare graficamente la rotta, mostrando i cambiamenti di prezzo e di durata dei voli.

    5. Yapta

    Il sito permette di ricercare voli e hotel, poi invia un messaggio di alert sullo smartphone o via email quando il prezzo cala. Importante: Yapta vi regalerà un voucher valido per i prossimi acquisti se dopo la segnalazione il prezzo cala ulteriormente.

    6. Adioso

    Il funzionamento del motore di ricerca è molto simile a quello del cervello dell’aspirante turista. Adioso risponde a domande quali ad esempio: “Sudest asiatico per il mese prossimo per due settimane”. I risultati forniranno ottime idee su dove andare, quando e quanto spendere. Se nessuna offerta soddisfa i vostri bisogni, anche questo sito offre un sistema di alert quando le tariffe calano.

    7. Vola Gratis

    È il motore di ricerca del gruppo Bravofly. Permette di navigare tra le migliori offerte dei voli low cost. Compara e prenota voli economici Easyjet, offerte voli Ryanair e di altre 400 compagnie low cost e tradizionali. Disponibile anche per iPhone e iPad. Si possono salvare i dati dei passeggeri per i futuri acquisti, il che fa risparmiare molto tempo nella ricerca. Ad aprile il sito è stato segnalato all’Antitrust da Altroconsumo per l’applicazione di commissioni aggiuntive sul prezzo pubblicizzato per i pagamenti effettuati con carta di credito.

    8. Skyscanner

    Il sito, che ha appena cambiato grafica diventando più semplice da usare, compara tutti i voli presenti sul mercato. Può essere utilizzato per trovare l’offerta più economica verso la rotta desiderata, dopo di che l’utente viene re-indirizzato automaticamente sul sito delle agenzie di viaggio o delle compagnie aeree per effettuare direttamente la prenotazione. Gli utenti possono anche cercare i voli senza dover inserire date o destinazioni specifiche, interagendo così con una piattaforma flessibile. Disponibile in 23 lingue diverse.

    9. Edreams

    Permette di confrontare oltre 750 compagnie aeree, con oltre 60mila tratte. La ricerca può essere filtrata per aeroporto, compagnia aerea, durata e numero di scali. Anche questo motore di ricerca, come Vola Gratis, è stato segnalato da Altroconsumo all’Antitrust per via delle commissioni aggiuntive applicate sui biglietti acquistati con carta di credito. Ora è possibile sapere, prima dell’acquisto, quanto ci costerà il volo pagando con la nostra carta.

    10. Expedia

    È stato fondato nel 1996 da Microsoft. Tramite Expedia è possibile prenotare biglietti d’aereo, hotel, automobili a noleggio, crociere, pacchetti vacanza e vari servizi attraverso internet o telefono. Il sito utilizza vari sistemi di prenotazione. Ogni utente può scrivere recensioni su alberghi, appartamenti, b&b, ma solo se è stata fatta una prenotazione.

    Corso di Interior Design – Quasar Design University, corsi di interior design roma.

    #Corsi #di #interior #design #roma

    Interior Design / Professional

    Il corso riguarda l’ideazione, progettazione e realizzazione degli spazi interni:

    Ambienti con i quali intratteniamo i più stretti rapporti, che ci avvolgono e che avvertiamo come una seconda pelle.

    Spazi dell’abitare, luoghi di lavoro, locali pubblici, allestimenti temporanei. La parte più sottile e comunicativa dell’architettura.

    Borse di studio

    Scarica qui la Domanda di Ammissione e contattaci per maggiori informazioni sulle Borse di studio.

    Come iscriversi

    Per iscriversi occorre inviare la domanda di ammissione completa in ogni sua parte:

    per posta ordinaria all’indirizzo di Quasar Design University Via Crescenzio 17 A 00193 Roma RM

    A chi è rivolto


    Un anno di formazione per sviluppare la capacità di ideare e realizzare progetti di:

    • Abitazioni
    • Spazi ad uso commerciale e per lufficio
    • Alberghi
    • Locali pubblici
    • Allestimenti temporanei per mostre e fiere


    • Diploma annuale professionale Quasar Design University
    • Attestati Autodesk per il software AutoCAD.


    L’arredatore d’interni opera come libero professionista, dirigendo in cantiere l’esecuzione delle opere di allestimento, coordinando i vari esecutori e controllando le forniture. Numerosi i campi applicativi: progetto di abitazioni, di spazi ad uso commerciale e per l’ufficio, di alberghi, locali pubblici ed allestimenti temporanei per mostre e fiere.

    Car Insurance, Compare Car Insurance Quotes, iSelect, car insurance qoutes online.

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  • Taller mecánico, seguros coche online.

    #Seguros #coche #online

    Seguros coche online

    García Motor es el taller número 1

    En García Motor tenemos la mejor

    selección de coches de ocasión.

    Somos la empresa líder en servicios para

    el automóvil en Fuenlabrada.



    • Revisión completa de

    61 Puntos de control.

  • Cambio de Aceite

    Castrol 5W30/5W40.

  • Puesta a nivel de líquidos.
  • Precio válido para Golf V 1.9 TDI 105cv. Para otros modelos consultar precio.

    • Test de fugas y carga de gas
    • Cambio del aceite del compresor
    • Revisar presión del trabajo circuito
    • Comprobación de la temperatura de enfriamiento

    Kit distribución, bomba de agua y correa auxiliar

    Precio válido para Peugeot Citroen HDI de 70, 90 y 110cv Para otros modelos consultar precio.


    Somos taller concertado de la mayoría de empresas aseguradoras y TALLER DISTINGUIDO MAPFRE.

    Somos taller concertado de la mayoría de empresas aseguradoras y TALLER DISTINGUIDO MAPFRE.

    Si has tenido un accidente, ya sea con contrario o sin contrario, o simplemente quieres hacer uso del seguro de tu coche, independientemente de la modalidad del seguro, nuestro personal te asesorará y ayudará a gestionar el parte con tu compañía. También trabajamos con Verti, Génesis, Balumba, Segurcaixa, Catalana Occidente, Liberty, Zurick, etc.


    En GARCÍA MOTOR disponemos de nuestro propio concesionario de coches de segundamano y ocasión en Fuenlabrada. Todos nuestros vehículos de ocasión están cuidadosamente seleccionados y revisados, disponiendo para su tranquilidad de hasta dos años de garantía sin límite de kilómetros.


    En GARCÍA MOTOR también compramos tu coche. Si tienes pensado vender tu coche, o necesitas venderlo rápido, a través de nuestra plataforma de tasación online www.tasacar.com podrás realizar todo el proceso de venta de tu vehículo con las mayores ventajas.





    Con 24 años de experiencia y cientos de clientes satisfechos, GARCÍA MOTOR se ha consolidado como el taller mecánico de chapa y pintura de referencia en Fuenlabrada. Con más de 2500m2 de instalaciones renovadas hace 2 años, abarcamos todos los servicios de mecánica del automóvil y de carrocería. Utilizamos maquinaria de última generación y respuestos originales y de primera calidad para conseguir los mejores resultados en un tiempo record. Además, lo que distingue claramente a GARCÍA MOTOR es nuestra atención al cliente personalizable y unos precios muy competitivos. Uno de los valores de la empresa es la satisfacción plena de nuestros clientes y por ello ofrecemos una serie de servicios distinguidos que nos destacan sobre otros talleres.


    Gestionamos las pequeñas reparaciones de su vehículo de forma inmediata, sin necesidad de dejarlo en nuestras instalaciones. Pastillas de freno, discos de freno, carga de aire acondicionado, cambio aceite coche, cambio de neumáticos, revisión oficial, pre itv, etc.


    • Cambio de aceite y filtros.
    • Neumáticos.
    • Alineación de direcciones.
    • Elementos de frenado.
    • Sistemas de escape.
    • Baterías.


    • Sustitución de lunas.
    • Faros y pilotos.
    • Cerraduras.
    • Retrovisores.
    • Daños leves de carrocería.

    NUNCA TE HABÍAN RECIBIDO ASÍ en un taller mecánico

    En GARCÍA MOTOR nos enorgullecemos de prestar un servicio completo e impecable a nuestro clientes, digno de cualquier taller mecánico de marca oficial. En el momento que un cliente llega nuestras instalaciones y es recibido por nuestros asesores de servicio en nuestra recepción activa, se da cuenta de que no está en un taller convencional.

    Tras atenderles a la hora indicada, protegemos el interior de su coche para evitar cualquier tipo de mancha, tomamos nota de sus indicaciones y tras comprobar la carga de trabajo, indicamos el día en el que podrá retirar su vehículo.

    Desde ese momento, nuestra máxima prioridad es tener informado a nuestro cliente del desarrollo normal de las reparaciones, realizarlas correctamente y entregar el vehículo el día acordado limpio y reluciente.

    Seguros de Coche – Compara 30 seguros de coche baratos, seguros baratos de coche.

    #Seguros #baratos #de #coche

    Seguros de Coche

    Encuentra el seguro de coche mбs barato comparando 30 aseguradoras en 3 minutos

    Los mejores seguros de coche del mercado

    Rellena un sуlo formulario y compara mбs de 30 presupuestos

    En el contexto econуmico actual cada vez mбs espaсoles optan por contratar seguros de coche baratos para sanear sus finanzas personales. Nuestro comparador de seguros es una herramienta vital para este proceso, ya que permite comparar mбs de 30 aseguradoras rellenando un solo formulario.

    En apenas 3 minutos sabrбs cuбl es el seguro de coche mas barato para tu caso concreto. Ademбs obtendrбs tambiйn una comparativa de coberturas que te permitirб entender las importantes diferencias entre los mбs de 30 seguros de automуvil que hay en el mercado para que puedas tomar la mejor decisiуn.

    їQuй dicen nuestros usuarios de Acierto.com?

    їPor quй usar Acierto.com para elegir tu seguro de coche?

    Nuestro objetivo es que tengas mбxima transparencia para que puedas tomar la mejor decisiуn

    Si, por ejemplo, ahorras 150 euros al aсo durante la vida media de un vehнculo de 8 aсos supondrнa un ahorro total de 1200 euros!

    Podrбs comparar el rango de precios que ofrecen aseguradoras tan conocidas como Pelayo o Allianz frente a las ofertas de compaснas especializadas en seguros de coche baratos como Lнnea Directa, Balumba o Direct Seguros.

    muy rбpido y he ahorrado

    casi 200 Ђ. Muchas gracias” Cecilia Martнnez de Hoz

    No habнa utilizado un buscador de seguros

    y me ha solucionado el caos que

    conlleva buscar un seguro barato.” Roberto Miguel Acevedo Ver mбs opiniones

    El mejor precio sin sacrificar coberturas

    Si bien el ahorro es un factor muy importante a la hora de comparar seguros, debes tener en cuenta que el precio no lo es todo y que por lo tanto no debes perder de vista el nivel de cobertura que ofrecen las diferentes aseguradoras. Hay importantes diferencias entre las compaснas y por eso siempre incluimos en nuestras comparativas de seguros una valoraciуn los aspectos mбs relevantes y diferenciadores de las pуlizas, cobertura a cobertura: asistencia en viaje, coberturas de robo, incendio, daсos al propio vehнculo .

    Estas diferencias entre las compaснas de seguros de automoviles tambiйn se extienden como resulta evidente a su estrategia de precios.

    Cada aseguradora se dirige a un pъblico muy concreto para el que es especialmente competitiva en precio. Es por lo tanto imposible seсalar a una ъnica aseguradora como la mas barata, por lo que a la hora de elegir una pуliza no nos podemos regir por la publicidad ni por los consejos de los amigos: es necesario hacer una comparativa especнfica para cada caso, teniendo en cuenta el vehнculo a asegurar, el perfil del conductor, el historial de aseguramiento y el nivel de bonificaciones entre otros factores.

    Por ejemplo, es posible que Fenix Directo ofrezca el seguro de coche a todo riesgo mбs econуmico para una conductora de 35 aсos. Sin embargo, si esa misma conductora tiene tan solo 22 aсos, probablemente sea Balumba la opciуn con el mejor precio. Y si la conductora de 35 aсos busca un seguro de coche a terceros en vez de a todo riesgo, es posible que Reale o la compaснa especializada en seguros de coche baratos Verti le ofrezcan un precio mбs bajo.

    Trauma Insurance – Compare All 14 Major Insurers Instant Quote, trauma insurance policy.

    #Trauma #insurance #policy

    trauma insurance policy

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    Trauma insurance policyTraumainsurance.net.au is a Free service that compares all the major Trauma Insurance providers to help find the best deal for you. We specialise in Trauma Insurance that s what we do. Our friendly experienced consultants will help guide your through the complexities of Trauma Insurance so you are able to make an informned decision and select the right policy for your needs.

    What is Trauma Insurance?

    Trauma insurance pays a lump sum payment in the event that you are diagnosed with a serious medical condition or disease such as stroke, heart attack or cancer. Trauma insurance can also be called critical illness insurance. One in Three Australian will suffer a Trauma event during their lifetime so its very important to be covered if this was to happen to you or one of your loved ones.

    Why you need Trauma Insurance?

    Should you suffer a Trauma event you will receive a lump sum payment for the amount insured. This will help pay for the medical bills, mortgage and general family bills until you get back on your feet. There is nothing more difficult then not being well and also worrying about how to make ends meet.

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    If you have a family and a mortgage it not a matter of if you should or shouldn t have life insurance a simple question about how much cover you should have. Life insurance pays a lump sum payment in the event of the death or diagnosis of a terminal illness of the insured.

    Good quality life insurance policies also pay your funeral costs, cover you until aged 99, cover any type of death and are unable to be cancelled by the insurer. If you would like to compare all major Life Insurers please visit www.startlifeinsurance.com.au

    Trauma insurance policy

    Income protection insurance pays the insured a monthly benefit if they are unable to work due to illness or injury. You can cover up to 75% of your salary including superannuation. You will be covered 24 hours a day 7 days a week.

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  • Hotel 2 Stelle Riccione Pensione Completa Alberghi per Famiglie a Riccione, camera ponte matrimoniale.

    #Camera #ponte #matrimoniale

    Il tuo Hotel nel cuore di Riccione vicino al mare

    Benvenuti all’Hotel Lugano,

    dove da ben 54 anni noi della famiglia Pironi ci prendiamo cura di voi Ospiti.

    Posizionati a pochi passi dal centro, dal mare e dalla Terme, vi accogliamo in camere arredate con rifiniture moderne dotate di Tv lcd, aria condizonata, telefono, cassaforte, Wi-fi, balcone, phon, bagno con box doccia.

    A tavola vi coccoliamo con prodotti fatti in casa e piatti tipici della cucina romagnola, serviti nel nostro luminoso e piacevole ristorante.

    Se cercate momenti di relax o volete gustarvi un caffè in compagnia cè il nostro ampio giardino e se volete leggere un libro, abbiamo una ricca libreria nella hall dominata da luce naturale e da confortevoli divani viola.

    Offriamo un servizo 24 ore su 24, la possibilità di sistemare la vostra auto nel nostro parcheggio gratuito, utilizzare le biciclette gratuite per girovagare sul bellissimo lungomare ciclabile di Riccione.

    Scoprite di più sullHotel, le offerte, saremo lieti di costruire una vacanza su misura per voi …


    Siamo stati io e la mia famiglia dal 16 agosto al 26,ci siamo trovati benissimo,camere pulite, accoglienti,personale molto gentile,cibo ottimo… ringraziamo Diego Elisa Luca,la mamma in cucina , e anche Ida. Vacanze perfette !! Matteo Desi e Stella.

    Scritto da matteo m il 27/08/2017

    Ottimo soggiorno!

    Ho soggiornato allHotel Lugano con unamica dal 20 al 26 agosto e ci siamo trovate benissimo! Tutti molto gentili e disponibili, bella camera e soprattutto cucina ottima e abbondante! Tanti piatti a base di pesce, sempre diversi, dolce tutte le sere e squisite torte fatte in casa la mattina a colazione. Molto comodo anche il […]

    Scritto da Sabri1979 il 30/08/2017


    Siamo stati allhotel Lugano di Riccione dal 21 al 31/08 compresi. Siamo stati davvero benissimo. Laccoglienza da parte dei familiari che gestiscono lhotel e del personale è stata davvero ottima. Molta gentilezza e disponibilità da parte di tutti. Scelta tra carne e pesce sia a pranzo sia a cena con piatti davvero gustosi e in […]

    Scritto da Paolo G il 03/09/2017


    Ottimo hotel !! Abbiamo soggiornato io e mia moglie e ci siamo trovati fin da subito benissimo,la cucina è ottima piatti ricchi e gustosi , fantastici i secondi di pesce. Siamo stati accolti in maniera magnifica fin da subito sempre col sorriso. Merita più di 2 stelle ottima qualità prezzo sopra le aspettative. Consigliatissimo

    Scritto da Ivan L il 22/08/2016

    Mare 24 luglio

    Ottima accoglienza, un grande babbo e due bravi ragazzi . Ti fanno sentire come a casa . I corridoi che ti accompagnano alle stanze che profumano da mattina a sera , stanze pulitissime! . Un ringraziamento particolare alle cuoche per i kg che ci siamo portati a casa nei girovita . Ragazzi e non più ragazzi […]

    ICACANTABRIA – Ilustre colegio de abogados de Cantabria, escuela de abogados.

    #Escuela #de #abogados

    escuela de abogados

    Cientos de escolares de Santander pudieron conocer de primera mano la realidad de la inmigración gracias a la exposición “#DerechosRefugiados 11 vidas en 11 maletas” que mostró en Tantín el Colegio de Abogados de Cantabria [. ]

    Celebrada la Junta General Ordinaria del Colegio

    El Colegio de Abogados de Cantabria celebró, el pasado 19 de diciembre, su tradicional Junta General Ordinaria. El acto, que estuvo presidido por el Decano junto con el resto de integrantes de la Junta, sirvió [. ]


    Reunión del Club Deportivo de Fútbol

    Con motivo de las celebraciones navideñas, los integrantes del Club Deportivo de Fútbol del Colegio de Abogados de Cantabria se reunieron en una comida de hermandad. 20180111_DM_Nuestra Gente


    Comienzan los monólogos con los que los alumnos de la Escuela

    inician su adiestramiento para hablar en público


    Escuela de abogados

    Webmail Abogacía

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    Escuela de abogados

    SEDE CENTRAL · Calvo Sotelo 16, 1º · 39002 Santander · Tel. 942 364 700 · Fax 942 364 802

    S.O.J. · Palacio de Justicia de Las Salesas, planta baja · Avda. Pedro San Martín s/n · 39010 Santander · Tel. 942 345 065 · Fax 942 364 802

    Escuela de abogados Escuela de abogados

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    Humana se queda sin el negocio de ropa usada de Madrid, Madrid, EL MUNDO, el negocio redondo.

    #El #negocio #redondo

    El negocio redondo

    El negocio redondo

    • TITULARESSeis noticias que debes leer esta maсana.


    Humana se queda sin el negocio de ropa usada de Madrid

    El Ayuntamiento de la capital adjudica la retirada de las prendas a EcoTextile Solidarity

    La compaснa sustituye a la polйmica ONG en la gestiуn de al menos 175 contenedores

    A partir de ahora se pagarб por recipiente vaciado y no por tonelada de material

    El negocio redondo

    Contenedores de recogida de ropa usada instalados en el ‘punto limpio’ de Chamartнn. JAVIER BARBANCHO

    El Ayuntamiento de Madrid ha conseguido desvincularse de Humana, la polйmica ONG a la que en 2011 encomendу en exclusiva la recogida de la ropa usada en la capital. Tras introducir un cambio sustancial en las condiciones del contrato (ahora la adjudicataria tendrб que abonar un precio fijo por cada contenedor instalado en lugar de pagar por tonelada de textil que retire), serб EcoTextile Solidarity la encargada de prestar el servicio municipal durante los prуximos dos aсos.

    El concurso se fallу hace dos semanas y se presentaron siete participantes. En el Бrea de Medio Ambiente y Movilidad, responsable del proceso de licitaciуn, no han aclarado si entre ellos se encontraba Humana, pero segъn ha podido saber este periуdico dicha organizaciуn sн tratу de retener la importante fuente de ingresos que le generaba la venta de estas 1.400 toneladas de prendas de segunda mano al aсo.

    Sin embargo, EcoTextile Solidarity se impuso a sus competidores con «la proposiciуn econуmicamente mбs ventajosa». En concreto, se comprometiу a elevar de 516 a 3.200 euros el canon anual que abonarб al Ayuntamiento por cada contenedor de recogida de ropa que gestione, con un mнnimo de 175 unidades, segъn consta en el expediente de contrataciуn.

    Asн, la nueva adjudicataria tendrб que ingresar en las arcas locales al menos 560.000 euros al aсo. Es seis veces mбs que el precio de salida, 90.0000 euros, con el que el propio Gobierno local calculaba que la diferencia entre los costes del servicio y los ingresos por la venta de las prendas y residuos textiles ascenderнan sуlo a 144.000 euros. «No vamos a obtener muchos beneficios», reconoce un portavoz de la compaснa, a quien en todo caso sus cuentas parece que sн le salen en positivo pese a autoaumentarse el ‘peaje’ municipal de forma considerable.

    Contenedores de color blanco

    Los nuevos contenedores, que han sido costeados tambiйn por EcoTextile Solidarity, ya han empezado a instalarse en los ‘puntos limpios’ de la ciudad pintados de blanco en vez de con el tradicional color verde de Humana. En el periodo de transiciуn entre la finalizaciуn de un contrato y el inicio del siguiente, que llega con un mes y medio de retraso, la ropa de segunda mano se ha estado recogiendo en cubos de basura amarillos y se ha acumulado en instalaciones municipales sin clasificar entre la que es reutilizable, la que se puede reciclar y la que tiene que eliminarse porque no sirve.

    De este proceso se encargarб a partir de ahora la adjudicataria ganadora del concurso, que ademбs se ha comprometido a implantar un sistema de recogida de prendas usadas a domicilio. Se desarrollarб en dos campaсas anuales, una en mayo-junio y la otra en septiembre octubre, y durante esos periodos tendrб que atender las solicitudes en un plazo inferior a siete dнas.

    Los contenedores instalados son metбlicos en su totalidad, con un ъnico compartimento y estбn dotados con un sistema de antivandalismo que impide su apertura por empresas ajenas al servicio. «La frecuencia de vaciado en cada punto vendrб determinada por la aportaciуn de los usuarios, de tal forma que en todo momento se garantice la disponibilidad de espacio en los recipientes para que se pueda hacer uso de ellos», tal y como se establecнan los pliegos del concurso.

    A pesar de su nombre, EcoTextile Solidarity es una empresa con бnimo de lucro fundada en 2012 aunque con una «dilatada experiencia de sus gerentes» en el sector, segъn explican en su pбgina web. Entre los requisitos establecidos para la adjudicaciуn de este servicio pъblico no estб el de que la actividad de la concesionaria tenga fines sociales.

    Amaсo de las bбsculas

    La nueva responsable de la gestiуn tambiйn tendrб que pesar el material recogido pero sуlo a efectos estadнsticos, a diferencia de su predecesora, que tenнa que pagar 52,05 euros por cada tonelada de ropa que se llevaba. La sospecha de que se amaсaban las bбsculas para que ofrecieran un peso menor del real fue uno de los problemas que generу este contrato en el Ayuntamiento de Madrid.

    Humana, inexplicablemente, ha tenido el monopolio de estos contenedores desde 2011. Al principio se les adjudicу la recogida de manera directa, y despuйs mediante concursos pъblicos que fueron muy lucrativos para esta ONG. Segъn los cбlculos de la OCU, sуlo en 2012 pudieron ganar 400.000 euros con una inversiуn de apenas 15.000.

    Esta concesiуn fue polйmica desde sus inicios, porque hay multitud de referencias a la estrecha relaciуn entre Humana y la secta danesa llamada Tvind, que en algunos paнses, y especialmente en Dinamarca, ha sido muy criticada como secta destructiva.

    Tvindalert, una web que lucha contra los efectos de esta secta, explica que en los diferentes paнses en los que estб implantada tiene tentбculos en forma de distintas ONG para conseguir financiarse.

    El negocio para Humana ha sido lucrativo estos aсos, ya que ha conseguido abrir 16 tiendas de venta de ropa de segunda mano en Madrid y en total 34 en toda Espaсa. Hace dos aсos tenнa tres tiendas menos en la capital, y el pasado 8 de mayo, segъn su web, habнa previsto abrir otra en la ronda de Atocha.

    • El negocio redondo
    • El negocio redondo
    • El negocio redondo
    • El negocio redondo

    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, auto owners insurance quote.

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    At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

    That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

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    Our long list of auto insurance discounts saves you money on smarter coverage.

    24/7 protection

    Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

    Customize your Auto Insurance policy with plenty of coverage options

    Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

    That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

    Consider additional coverage options* like:

    Accident Forgiveness

    You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

    No Fault, No Foul

    Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

    Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

    Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

    Farmers Rideshare

    Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

    Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

    You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

    *Not available in all states.

    **Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

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

    Donazioni, Sito del notariato, atto donazione.

    #Atto #donazione


    La donazione è il contratto con il quale, per spirito di liberalità, una parte arricchisce l’altra, disponendo a favore di questa di un suo diritto o assumendo verso la stessa un’obbligazione. La donazione è quindi un contratto: da ciò discende che, una volta conclusa, essa è di norma irrevocabile ad opera di una delle parti.

    Gli elementi essenziali della donazione sono due:

    • lo spirito di liberalità;
    • l’arricchimento del donatario.

    Come si costituisce

    Elemento essenziale della donazione è la forma: infatti, essa deve essere conclusa per atto pubblico alla presenza di due testimoni; pertanto, l’intervento del notaio è necessario al fine di disporre dei propri beni a titolo di donazione. La necessità dell’atto pubblico si giustifica con l’importanza dell’atto di donazione e per gli effetti sul patrimonio del donante che deve essere, oltre che capace d’intendere di volere, pienamente consapevole dell’atto che sta facendo e di tutte le conseguenze che ne derivano. E’ quindi molto importante la consulenza del notaio per avere tutti i chiarimenti necessari e opportuni.


    La donazione è uno strumento idoneo a soddisfare molteplici interessi. Infatti, è possibile inserire apposite clausole (c.d. “condizioni” o “oneri”) per soddisfare alcune specifiche esigenze (p.e. ti dono questa casa con l’onere di prestarmi assistenza).

    Assai comune è la donazione di un immobile con riserva di usufrutto a vantaggio del donante: ciò significa che il donante si spoglia anticipatamente della proprietà del bene trattenendo per sé l’usufrutto, che si estinguerà automaticamente al momento della morte (o al termine stabilito); il donante che si è riservato l’usufrutto avrà il godimento del bene (p.e. potrà viverci o riscuotere eventualmente l’affitto) ma ne sopporterà anche le spese ordinarie e le eventuali imposte.

    La donazione è un atto soggetto a revocazione, per alcune cause tassative di natura etico-sociale. In particolare, può essere revocata:

    • per ingratitudine del donatario: cioè qualora il donatario abbia commesso atti particolarmente gravi nei confronti del donante o del suo patrimonio;
    • per sopravvenienza di figli: cioè qualora il donante abbia figli o discendenti ovvero scopra di averne successivamente alla donazione.

    La donazione fatta a legittimari del donante è considerata dalla legge un anticipo di eredità: ciò significa che, al momento della morte del donante, essa dovrà essere imputata alla quota riservata.

    Tutela degli eredi legittimari

    Proprio con riferimento ai rapporti tra la donazione e la futura successione del donante, occorre sapere che la donazione è un atto “a rischio”, che può pregiudicare la successiva circolazione dei beni donati o l’ottenimento di un finanziamento garantito dal bene donato.

    La legge, infatti, tutela alcune categorie di familiari (legittimari), riservando agli stessi una quota di eredità (legittima) anche contro una volontà del defunto espressa in una donazione. Questi soggetti sono i discendenti (figli e nipoti), gli ascendenti (genitori, nonni, e così via) e il coniuge: se le donazioni, pur sempre valide ed efficaci, al momento della morte del donante dovessero risultare, dopo calcoli molto complicati, lesive dei diritti di un legittimario, questo potrà agire in giudizio per renderle inefficaci (azione di riduzione).

    La tutela del legittimario, inoltre, può coinvolgere anche terzi che abbiano acquistato diritti dal donatario (comprese le banche che per la concessione di un mutuo abbiano ricevuto in garanzia un immobile oggetto di donazione). Infatti, qualora il donatario non abbia beni sufficienti per soddisfare le eventuali pretese del legittimario, si potrà chiedere la restituzione del bene all’acquirente stesso (azione di restituzione), il quale avrà la facoltà di liberarsi con il versamento di una somma corrispondente.

    È bene precisare che i legittimari non possono rinunciare al loro diritto di agire in giudizio, finché colui della cui eredità si tratta è ancora in vita, neanche prestando il loro assenso alla donazione; solo quando il donante sarà morto, potranno prestare acquiescenza alla donazione compiuta.


    In considerazione della complessità dei problemi che possono nascere da una donazione è opportuno farsi consigliare dal notaio che potrà indicare le soluzioni giuridiche che possano evitare futuri, dolorosi contenziosi familiari e rilevanti problemi di commerciabilità dei beni donati. Il notaio ha un ruolo centrale al fine di pianificare gli assetti futuri della famiglia con serenità e consapevolezza. La donazione, visti i suoi effetti sul patrimonio del donante, si effettua per atto pubblico alla presenza di due testimoni.

    Fiat 312 C e Fiat 352 C – Forum Macchine, macchine usate a poco prezzo da privati.

    #Macchine #usate #a #poco #prezzo #da #privati

    Macchine usate a poco prezzo da privati

    Ricerca all’interno del Forum:

    Queste ed altre regole del forum sono presenti nel nostro regolamento .

    Se invece hai dubbi e/o domande sul funzionamento del forum, consulta il Forum Guida all’Uso, dove puoi anche trovare la guida per inserire foto e immagini nel forum.

    mio zio ha una 352 che in definitiva и un312montagna. anno di costruzione non lo so. la cavalleria и 35cv ma cavalli puri. difetti non ce ne sono pero come ho giа detto a un altro del forum (non mi ricordo chi) -ora mi ricordo il post_aquisto trattore cingolato di fiatstilo- l’unica pecca il 24 volt (2batterie).per il resto tutto OK il prezzo che hai scritto и regalata a meno che non sia un cadavere. per il motore non и una gran spesa rifare la testa guarnizioni e fasce elast. circa 700-800 euro. la spesa + grossa sono i carri perchи и difficile trova ancora ricambi devi farli fare da un tornitori.

    io ho aquistato una AGRIFULL 70CV il vecchio proprietario aveva appena speso 3900 euro per i carri (ruote ant. ruote dent. post. 4 rulli sotto 1 sopra catenarie e staffe) tutto nuovo Ho visto di persona quelli vechi.

    a quel prezzo portala a casa и sempre un affare.

    quindi cambia anche la balestra,diciamo che il 352 и il modello montagna del 312.

    poi cambiano un pochino anche i parafanghi un pт piщ distanziati e un pт anche i sedili ma sono differenze secondarie e non importanti per il resto sono identici

    spero i esserti stato di aiuto

    cioe parli con uno che ha da poco finito di rifare a nuovo un 431c che perт non ho pagato perche me lo hanno regalato ma aveva il blocco crinato.

    trovi indicazioni e forse qualche foto.

    magari giа lo conosci

    и vero o son leggende di paese??quali differenze ci sono nel sistema di avviameno da un 411 a un 455??

    p.s. ecco ci sono riuscito.

    buona Pasqua anche a te

    Ma non gli fa male piantar la leva a tutto gas poi quando parte da freddo andar subito a manetta??

    dove posso trovar il libretto di uso manutenzione??

    Ma non gli fa male piantar la leva a tutto gas poi quando parte da freddo andar subito a manetta??

    Vengono spedite gratuitamente le fotocopie dei manuali di uso e manutenzione.

    Tosi Alessandro

    Ma non gli fa male piantar la leva a tutto gas poi quando parte da freddo andar subito a manetta??

    dove posso trovar il libretto di uso manutenzione??

    Per quanto riguarda l’avviamento con acceleratore a manetta, и raro che all’avviamento il motore salga subito a 2000 giri, perciт appena inizia a partire c’и tutto il tempo per ridurre la manetta.

    Il pomello che se tirato toglie la nafta e quindi lo spegne, se invece si preme aumenta la portata della nafta e quindi utile per l’avviamento, e perciт non ha senso pompare, invece, specie se il trattore e stato fermo e necessario ricaricare la pompa e tutto il circuito e per far questo bisogna svitare il pomello che sta sulla pompa e pompare fino a quando si sente che il tutto и in pressione (circa 20 pompate).

    Qualcuno sa intanto dirmi a cosa serva una levetta di metallo che и sulla destra nel cruscotto(la destra dell’operatore) ho provato a spostarla in sщ poi in giщ ma non mi sembra sia successo niente

    Oggi prima lavorata,l’ho lasciato 2ore attaccato alla bindella(ho dovuto prima pulire l’attacco del cardano mezz’ora dalla ruggine per riuscir a infilarlo..) e la faceva girare che era una meraviglia.

    Appena asciugano i campi lo metterт alla prova piщ duramente. sperom.

    Il tubo di gomma nero che perde si chiama manicotto. Prova da Lucenti a Roteglia se no di sicuro ce l’hanno all’Agristore a Modena o alla Tractoricambi sempre a Modena.

    41100 Modena (MO) – Via Emilia Ovest, 942/E

    41100 Modena (MO) – Via Padre Torres, 2

    Tosi Alessandro

    Ciao e in bocca al lupo

    Ciao a tutti e grazie anticipatamente

    Quello che l’ha comprato ha aperto il tappo dell’olio poi ci teneva appoggiata una mano ,poi lo accelerava e togliava tutto l’acceleratore di colpo a veder se si spegneva secondo me

    poi c’и un tubo sotto il motore dove usciva fumo,ha messo una mano anche li sotto,poi se l’и guardata

    Non saprei a cosa servano ste operazioni(se qualcuno lo sa sarei curioso ),ma il meccanico che si era portato dietro ha guardato ste cose oltre allo stato dei cingoli e provato cambio sollevatore pdf e frizioni ecc

    Quello che l’ha comprato ha aperto il tappo dell’olio poi ci teneva appoggiata una mano ,poi lo accelerava e togliava tutto l’acceleratore di colpo a veder se si spegneva secondo me

    poi c’и un tubo sotto il motore dove usciva fumo,ha messo una mano anche li sotto,poi se l’и guardata

    Non saprei a cosa servano ste operazioni(se qualcuno lo sa sarei curioso ),ma il meccanico che si era portato dietro ha guardato ste cose oltre allo stato dei cingoli e provato cambio sollevatore pdf e frizioni ecc

    Preso di essere stato d’aiuto

    Probabilmente era una 311 – 312 .

    I passaruote del Ducato non li puoi piallare!

    . e degli assenti!

    Probabilmente era una 311 – 312 .

    I passaruote del Ducato non li puoi piallare!

    и da un po’ che non scrivo sul forum. avrei un consiglio da chiedervi. ho un fiat 312c acquistato 3 anni fa a 3200 euro. quest’anno ho dovuto rifargli il motore completamente in quando si era inchiodato filtrando gasolio nella pompa dell’olio. Ho speso 3400 euro per rifar completamentente tutto il motore, revisionar pompa gasolio ecc. in un officina fiatagri. Purtroppo ho affrontato delle spese elevate dopo preventivo inferiore dell’officina! Ora il trattore nn ha minimi problemi meccanici ed il carro и ok. Questa sett l’ho zavorrato con 180kg e, da libretto puт portar fino a 200kg di zavorra.

    Anche se il mio utilizzo и saltuario e, farт 30 ore l’anno di lavoro, vorrei prender un fiat 605 montagna per poter utilizzare aratro, fresa, estirpatore e trincia in modo piщ veloce, sicuro e non esser impiccato con la forza visto che ho un terreno un po’ in pendenza.

    Cosa significa retail? Che Significa, significato di commercio.

    #Significato #di #commercio

    Cosa significa retail?

    Il retail è una metodologia di vendita che è sempre esistita nel nostro paese. Strano dunque che per definirla si sia dovuti ricorrere a quello che è uno prestito inutile dalla lingua inglese.

    Sì, perché retail vuol dire appunto vendita al dettaglio, ovvero quella che fanno i negozi che vendono al cliente finale. Si contrappone in questo senso alla vendita wholesale, che è la vendita allingrosso e alla vendita b2b, che sarebbe la vendita business to business e quindi non al dettaglio specifico.

    Lultima vendita, quella più cara

    Il retail è noto per avere prezzi che sono in genere più alti di quelli che vengono applicati per le vendite wholesale o per le vendite b2b. Questo perché si tratta dellultimo passaggio della vendita, quello che per intenderci consegna la merce nelle mani del consumatore finale e dunque con tutta una filiera di commercianti e grossisti che deve essere soddisfatta economicamente.

    Le differenze con lingrosso

    Le differenze tra ingrosso e retail sono importanti: nel primo caso infatti è raramente possibile acquistare pezzo per pezzo, dato che in genere viene imposto lacquisto in blocco della merce. Allo stesso modo si può occupare di acquisti wholesale soltanto una azienda, e non un privato cittadino.

    Le differenze con il b2b

    Le vendite o i servizi b2b invece riguardano quei beni o servizi che vengono scambiati tra aziende e non tra privati cittadini. Anche qui cè una sostanziale differenza, dato che si tratta nella stragrande maggioranza dei casi di servizi che non possono essere destinati in alcun modo alla vendita al dettaglio.

    Con il b2b si chiude quella che è la triade delle tipologie di vendita: retail appunto, che vuol dire al dettaglio, wholesale che vuol dire allingrosso e b2b che vuol dire tra aziende.

    Cera bisogno di questo prestito dallinglese? Probabilmente no, anche se la lingua doltreoceano ha ormai invaso anche ambiti dove non se ne sentiva proprio il bisogno.

    Spenden düsseldorf, spenden düsseldorf.

    #Spenden #düsseldorf

    Rheinuferlions Düsseldorf


    Seit 20 Jahren setzen wir uns als gemischter Lions Club mit rund 30 Lionsfreunden für Kinder und Jugendliche in und um Düsseldorf ein. Mit unseren vielfältigen Activities wie dem Lions Adventskalender, der Lions Oldtimer Rallye, Lions im Kino und unseren Lions Partys sammeln wir große und kleine Spenden u.a. für das Kinderhospiz Regenbogenland, die Kinder-Augen-Krebs-Stiftung oder die Gerald Asamoah Stiftung für herzkranke Kinder. Mit den Projekten Lions Quest und Klasse 2000 unterstützen wir gezielt die Gewaltprävention und Gesundheitsförderung an Düsseldorfer Schulen.


    Spenden düsseldorf

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    Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf Spenden düsseldorf

    Egal ob lange Abende, Activities, Ausflüge oder einfach nur ein Alt – als Lionsfreunde sind wir immer mit vollem Einsatz bei der guten Sache. Hier ein paar Impressionen aus den vergangenen 20 Jahren.

    1000 Ideas de Negocios, modelo de negocios.

    #Modelo #de #negocios

    modelo de negocios

    Modelo de negocios

    Algunos de estas ideas de microemprendimientos pueden ser bastante rentables y por ello acá te compartimos una interesante lista de al menos 48 ideas de poca inversión pero de alto potencial de crecimiento, sencillas de montar y que te generarán ingresos suficientes para complementar tu presupuesto familiar.

    1. Discoteca móvil para fiestas caseras
    2. Clínica de maquillaje y arreglo personal
    3. Decoración de bodas
    4. Pintura de casas
    5. Limpieza de vidrios para oficinas y edificios
    6. Mantenimiento de computadoras a domicilio
    7. SPA para mascotas
    8. Lavado de automóviles
    9. Bicicletas publicitarias
    10. Ventas de comida típica o regional
    11. Carreta de perros calientes (hotdog)
    12. Servicios funerarios para mascotas
    13. Fabricación y venta de velas aromáticas
    14. Aceitera para servicio menor de automóviles
    15. Polarizado de automóviles
    16. Cerrajería
    17. Empresas de reciclaje de aluminio, plástico o periódico
    18. Secretaria o asistente virtual desde el hogar
    19. Venta e instalación de alarmas para el hogar y el automóvil
    20. Repostería y pastelería por encargo
    21. Diseño de páginas web
    22. Gestor de redes sociales (community manager)
    23. Confección de uniformes para colegios e industriales
    24. Limpieza de piscinas
    25. Limpieza de casas y edificios
    26. Pintura de cuadros regionales
    27. Fabricación de juegos infantiles en madera
    28. Creación de juegos de mesa
    29. Fabricación de peluches
    30. Tutorías escolares
    31. Fabricación de figuras escolares en foamy
    32. Montaje de pequeños espectáculos para centros comerciales
    33. Crear un blog y ganar dinero
    34. Importación y venta de accesorios para celulares
    35. Negocio de Bisutería
    36. Reparación de electrodomésticos
    37. Conversión de videos VHS a DVD
    38. Servicio de cuidado de niños
    39. Clases de baile
    40. Servicios de mandados
    41. Elaboración de dulces caseros
    42. Diseño de blancos y almohadas
    43. Fabricar productos de limpieza caseros
    44. Clínica de manicure y uñas acrílicas
    45. Cursos de cómo hablar en público
    46. Elaboración de cortinas por pedido
    47. Juguería y meriendas
    48. Negocio de tatuajes y piercing

    ¿Cómo comenzar un microemprendimiento?

    12 Técnicas de Ventas Que Usan Los Mejores Vendedores [Reveladas]

    Modelo de negocios

    A continuación listamos 12 de las mejores técnicas que utilizan los vendedores más exitosos del mundo y que sin duda pueden ayudarte a mejorar significativamente los resultados en tu negocio:

    1. Conocen al detalle el perfil de sus clientes

    2. Transmiten un mensaje efectivo

    3. Usan más correo y menos llamadas

    4. Ven a sus clientes como socios

    Dicho lo anterior, el hacer ventas lleva inmediatamente todo a otro nivel.

    5. Son intuitivos

    6. Brindan un servicio al cliente impecable

    7. Tratan con sus clientes en persona

    8. Hacen presentaciones de ventas cautivadoras

    9. Toman la iniciativa al cerrar una venta

    10. Siempre van por más ventas

    11. Planifican su semana de forma eficaz

    12. Construyen la lealtad de su cliente

    Cómo Ganar Dinero Extra Sin Dejar Tu Empleo Actual (14 Ideas Prácticas)

    Modelo de negocios

    Así que si tu eres una de esas personas que simplemente necesitan generar algunos billetes adicionales para esa necesidad puntual, seguramente estas ideas te ayudarán:

    14 Ideas para Ganar un Ingreso Extra

    1. Vende algunos enseres usados. Siempre encontrarás en casa algunos muebles, juguetes o aparatos electrónicos que ya no usas. Puedes hacer una venta de garage o bien promoverlos a través de algún sitio local en Internet.

    Y bueno, hay muchísimas formas más de ganarte un dinero extra pero las seguiré compartiendo en una segunda parte de esta entrada. Mientras tanto, ¿cual de estas ha llamado tu atención?

    Guía Para Iniciar un Negocio de Fabricación de Productos de Limpieza

    Modelo de negocios

    Inversión inicial en el negocio

    • La mayoría de productos son de fácil fabricación y requieren muy poca inversión en materiales de fabricación, lo cual se puede traducir en generosos márgenes de ganancia
    • No necesitas un local comercial aparte de destinar un área en casa con espacio suficiente para almacenar materia prima y poder trabajar en el proceso de elaboración
    • No necesitas contratar personal especializado más allá de un ayudante que te colabore en los procesos de fabricación, empaque, rotulación y distribución

    La principal inversión de hecho consiste en adquirir los insumos básicos, algunos utensilios de trabajo y desde luego es indispensable contar con un manual completo de fórmulas que te guíe cuidadosamente en la fabricación de los productos.

    Comercialización de tus productos de limpieza

    • Mercado residencial: en este caso puedes enfocarte en promover tu catálogo de productos en tu zona o en zonas aledañas, minimizando tus costos de transporte.

    Clasificación del comercio mayorista – 100% Coraje, ejemplos de comercio mayorista.

    #Ejemplos #de #comercio #mayorista

    Clasificación del comercio mayorista

    • Mayoristas de mercancías en general: gestionan varias líneas distintas de productos.
    • Mayoristas de una sola línea: se centran en la selección de artículos de una línea o a lo sumo de dos (mayoristas de bebidas o de frutas)
    • Mayoristas de especialidad: distribuyen solamente una parte de una línea de productos, proporcionando más información y servicios sobre ella (mayoristas de productos dietéticos o de ropa blanca)
    1. Broker: facilita el contacto entre compradores y vendedores. Recoge las condiciones de la oferta y demanda, aunque la conclusión final de las transacciones queda en manos de las partes interesadas. A cambio obtiene una comisión en forma de un porcentaje sobre las ventas
    2. Representante del fabricante: actúa de intermediario entre el fabricante y el detallista. Es un profesional libre que representa a una firma, sin dependencia laboral alguna, para vender mercancías o servicios y difundir o divulgar marcas y productos, así como realizar otras misiones que le encomiende la empresa. Cuando actúan en mercados internacionales se les conoce como agentes internacionales.
    3. Representante de compras: mantiene, a diferencia del anterior, una estrecha y continuada relación con compradores, por cuenta de quienes realiza las compras, reciben las mercancías, las inspeccionan y contratan transportes y almacenes. Los agentes de importación actúan en mercados exteriores y posibilitan que sus clientes tengan acceso a más productos y precios a nivel mundial
    4. Comisionista: un intermediario independiente que llega a depositar la mercancía distribuida en sus almacenes y responder de ella aunque sin adquirir su propiedad. Es frecuente su actuación en mercados con frecuentes fluctuaciones de precios, como en los productos perecederos.

    Vázquez R. y Trespalacios J. Distribución comercial: estrategias de fabricantes y detallistas. Editorial Civitas. Madrid

    Spende kinderhospiz, spende kinderhospiz.

    #Spende #kinderhospiz

    Antenne Thüringen

    Antenne Thüringen macht sich stark für das Kinderhospiz. Auch nächstes Jahr werden wieder über 1.000.000 Euro an Spenden benötigt, um weiterhin arbeiten und helfen zu können. MEHR

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    Unternehmen spenden Weihnachten 2017

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    Spende kinderhospiz

    Jetzt online Spenden!

    Spenden Sie einfach, schnell und sicher per Bankeinzug, Paypal oder Kreditkarte. Oder legen Sie eine eigene Online-Spendenaktion an und begeistern Sie damit weitere Förderer für unsere gute Sache.

    Spende kinderhospiz

    Informationen für Familien

    Betroffene Eltern erzählen

    Im Interview erzählen die Eltern der 9-jährigen schwerkranken Linn, wie sie als Familie ihr Leben meistern.

    Spende kinderhospiz

    Informationen für Familien

    Eine Auszeit vom Pflegealltag

    Mit unserem Kinder- und Jugendhospiz Mitteldeutschland in Tambach-Dietharz bieten wir Entlastungsaufenthalte für die ganze Familie und schaffen so Entlastung, wichtige Freiräume und ein Stück Normalität.

    Spende kinderhospiz

    Informationen für Familien

    Wir helfen vor Ort

    Unser Thüringer Kinderhospizdienst bietet direkte Hilfe vor Ort. Ehrenamtliche Familienbegleiter helfen ganz konkret im häuslichen Umfeld.

    Spende kinderhospiz

    Über unsere Arbeit

    Wem wir helfen

    Über 40.000 Kinder und Jugendliche sind in Deutschland von einer tödlichen Krankheit betroffen. Diesen Betroffenen und deren Familien zur Seite zu stehen ist die Aufgabe unseres Vereins.

    Spende kinderhospiz

    Über unsere Arbeit

    Wie wir helfen

    Mit unserem stationären Kinder- und Jugendhospiz sowie unserem ambulanten „Thüringer Kinderhospizdienst“ helfen wir direkt den schwer kranken Kindern und deren Angehörigen.

    Spende kinderhospiz

    Über unsere Arbeit

    Die Menschen dahinter

    Es sind außergewöhnliche Menschen, die hinter unserer Arbeit stehen und ihr ein Gesicht geben. Ob die Gründer unseres Vereins, unsere Kinderhospizbotschafter oder Freunde und Förderer – sie alle machen sich gemeinsam stark für todkranke Kinder.

    Spende kinderhospiz


    Spende kinderhospiz

    Arbeitstreffen der Kinderhospizärzte

    Am 10.11.2017 fand im Kinder- & Jugendhospiz Mitteldeutschland in Tambach-Dietharz das 5. Arbeitstreffen der Kinderhospizärzte der Deutschen Gesellschaft für Palliativmedizin (DGP) – Arbeitsgruppe Kin.

    Spende kinderhospiz

    ANTENNE THÜRINGEN startet Benefizaktionen zugunsten todkranker Kinder in der Weihnachtszeit

    Seite heute Morgen 6.00 Uhr läuft die Aktion: „ANTENNE THÜRINGEN – Weihnachtsengel – Gemeinsam stark für das Kinderhospiz“. Machen Sie mit und helfen Sie dem Kinderhospiz- und Jugendhospiz Mitteldeuts.

    Spende kinderhospiz

    Nachruf Dieter Bellmann

    Wir trauern um unseren langjährigen ehrenamtlichen Kinderhospizbotschafter Dieter Bellmann.

    Seit mehr als 10 Jahren engagierte sich der bekannte Schauspieler für unser Kinder- und Jugendhospiz. Er war einer der ersten Botschafter unseres Vereins. Wir sind dankbar für sein Vertrauen, seine Hi.

    Spende kinderhospiz

    Fachtag Kinderpalliativversorgung in Thüringen

    Samstag, den 18. November 2017 von 11:00 – 14:00 Juri-Gagarin-Ring 152, 99084 Erfurt, Deutschland

    Spende kinderhospiz

    Thüringer Schüler, Lehrer und Eltern starten Benefizaktionen zugunsten todkranker Kinder in der Weihnachtszeit

    Über 260.000 Schülerinnen und Schüler des Freistaates Thüringen sind aufgefordert, sich an die Seite der Aktion: „ANTENNE THÜRINGEN – Weihnachtsengel – Gemeinsam stark für das Kinderhospiz“, zu stelle.

    Spende kinderhospiz

    Schüler, Lehrer und Eltern aus Sachsen-Anhalt starten Benefizaktionen zugunsten todkranker Kinder

    Über 190.000 Schülerinnen und Schüler Sachsen-Anhalts sind aufgerufen, Spendenaktionen in der Vorweihnachtszeit zu starten.

    Liebe Kinder, liebe Jugendliche, liebe Eltern und Angehörige!

    Mehr als vier Jahre nach der Einweihung unseres Kinderhospizes können wir auf eine erfolgreiche Zeit im Sinne der vielen Betroffenen zurückblicken. Viele hundert Familien aus ganz Deutschland nutzten seither unsere Familienhilfe.

    Mehr als 40.000 Kinder und Jugendliche sind in Deutschland von einer tödlichen Krankheit betroffen und werden das Erwachsenenalter oftmals nicht erreichen. Diese Diagnose, dass ein geliebtes Kind an einer tödlichen Krankheit leidet, ist für alle Familienmitglieder ein Schock. Die gesamte Lebensplanung einer intakt geglaubten Familie wird zerstört. Diesen Kindern, deren Eltern und Geschwistern zu helfen, ist die Aufgabe unseres gemeinnützigen Kinder- und Jugendhospizes Mitteldeutschland im thüringischen Tambach-Dietharz.

    Eingedenk dessen war der Bau unseres »Sternstundenhauses« enorm wichtig. Es ist das dringend benötigte Herzstück unserer Einrichtung. Allein für einen großen Gemeinschaftsbereich und Küchentrakt waren rund 650.000 Euro nötig. Weiterhin errichteten wir auf unserem Außengelände einen Abenteuerspielplatz. Die Ergebnisse einer aktuellen Studie, erstellt von Prof. Dr. Lorna Fraser von der Universität York in Großbritannien zeigt, dass zweimal mehr Kinder und Jugendliche in England an lebensverkürzenden Krankheiten leiden, als bisher vermutet. Übertragen auf die Bundesrepublik bedeutet dies, dass man von über 40.000 todkranken Kindern und Jugendlichen in Deutschland ausgehen muss.

    Ich bitte Sie, machen Sie sich weiter stark für todkranke Kinder und unterstützen Sie uns mit einer Spende. Jeder Euro zählt und jede Spendenaktion hilft!

    Annunci Vendita Auto – Auto Usate e Nuove su Bakeca, siti di auto.

    #Siti #di #auto

    Annunci Auto Usate e Nuove in Italia

    FORD Focus 1.5 TDCi 120 CV Start&Stop SW Titanium rif. 9068061

    2016 · Ford · Focus · 13.800 km

    FORD Focus 1.8 TDCi (115CV) S.W. rif. 9429053

    2006 · Ford · Focus · 94.000 km

    OPEL Adam 1.4 87 CV GPL Tech Jam*Pelle*Tetto*Unicoproprietar rif. 9207304

    2014 · Opel · Adam · 119.000 km

    FIAT Panda 1.2 Dynamic 4WD KM CERTIFICATI rif. 9359907

    2005 · Fiat · Panda · 99.000 km

    FORD Mondeo 1.6 EcoBoost 160 CV Start&Stop 4 porte rif. 9386027

    2013 · Ford · Mondeo · 53.000 km

    Metti in evidenza i tuoi annunci con Bakeca Business

    SMART ForTwo 1000 52 kW MHD cabrio EDITION LIMITED TWO rif. 9187783

    2008 · SMART · 89.000 km

    LANCIA Delta 2.0 MJT DPF Gold rif. 9099729

    2011 · Lancia · Delta · 157.000 km

    NISSAN Qashqai 1.6 dci xtronic TEKNA

    2016 · Nissan · Qashqai · 20.000 km

    Alfa Spider 2.0 JTS con GPL Landi Renzo e scarichi Ragazzon (iscriv. R.I.A.R.)

    2004 · Alfa · Spider · 120.000 km

    AUDI A5 2.0 TDI 177 CV quattro S-line rif. 9252289

    2014 · Audi · A5 · 86.000 km

    Lancia Y 1.2 60CV ideale per neopatentati

    1996 · Lancia · Y · 144.000 km


    2014 · Audi · A3 · 20.000 km

    MERCEDES-BENZ B 180 d Automatic Sport Serie Limitata NEXT rif. 9371787

    2018 · Mercedes · B 180 · Km 0


    2017 · Volkswagen · Golf Gti · 25.581 km

    Compro veicoli incidentati, sinistrati, usati,chilometrati, fusi,Parma

    2017 · Qualsiasi · 1 km

    Pontiac – Firebird – 1991

    1991 · Pontiac · Firebird · 30.000 km

    Alfa Romeo – Giulia 1300 Super – 1971

    1971 · Alfa Romeo · Altro modello · 30.000 km

    Bentley – Mulsanne S – 1990

    1990 · Bentley · Altro modello · 30.000 km

    Fiat Panda Lounge 69cv

    2016 · Fiat · Panda · 24.337 km


    2014 · Audi · A3 · 30.000 km


    2014 · BMW · X3 · 26.000 km


    2013 · Ford · C-Max · 96.000 km

    Peugeot 508 RXH

    2016 · Peugeot · 508 · 39.000 km


    2012 · Audi · Rs3 · 65.000 km


    2013 · Ford · C-Max · 96.000 km

    Che cos’è un Alert

    L’alert è un servizio gratuito che ti permette di trovare comodamente quello che desideri, ricevendo via email tutti i nuovi annunci corrispondenti alla categoria di offerta che ti interessa. Un modo semplice e rapido, per rimanere aggiornati senza dover reimpostare ogni volta i tuoi criteri di ricerca.

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    Vendita auto usate, automobili

    Questa sezione dedicata alla vendita di auto usate e auto a km0. Consulta gli annunci gratuiti su Bakeca e troverai tante auto economiche! Cerca subito la più adatta a te.

    Wellcome – wellcome – f – r das Abenteuer Familie, projekt spenden.

    #Projekt #spenden

    F r Ihr Abenteuer Familie!

    Moderne Nachbarschaftshilfe f r Familien nach der Geburt. Praktisch und unkompliziert. An 250 Standorten.

    Und einmal auch in Ihrer N he!

    Projekt spenden

    Projekt spenden

    F r Ihr Abenteuer Familie!

    Moderne Nachbarschaftshilfe f r Familien nach der Geburt. Praktisch und unkompliziert. An 250 Standorten. Und einmal auch in Ihrer N he!

    Projekt spenden

    Jetzt spenden und Familien st rken!

    Projekt spenden

    Projekt spenden

    Wie erreichen wir Familien heute?

    Projekt spenden

    Wie erreichen wir Familien heute?

    Gro e Wirkung durch Online-Beratung: ElternLeben.de w chst

    Projekt spenden

    Gro e Wirkung durch Online-Beratung: ElternLeben.de w chst

    Mit dem BDKH f r das gute Ankommen

    Projekt spenden

    Mit dem BDKH f r das gute Ankommen


    Projekt spendenBundeskanzlerin Dr. Angela Merkel hat seit 2007 die Schirmherrschaft f r wellcome inne.

    Projekt spenden

    wellcome wirkt

    Projekt spendenVon PHINEO empfohlen. Das Phineo-wirkt-Siegel f r vorbildliches Engagement erhielt wellcome in 2012

    Projekt spenden

    Dallas Carpet Repair – Cleaning

    #dallas #water #damage


    Let s See What Our Satisfied Customers Have To Say

    Dallas Carpet Repair did a great job cleaning our carpets. They were on time and courteous and went above and beyond to ensure customer satisfaction. We will certainly call on these guys the next time we need carpet cleaning or repair. Jason, P. Dallas, TX

    Ed came precisely when scheduled, both for pickup and delivery. He did exactly as promised. The backing on a ten-year old, irreplaceable scalloped-edge designer rug had been partially torn away by our rescue dog, and what seemed to be sun-fade had left the rug two-toned where a concrete table had rested for ten years. The returned carpet was back to new amazing! The tone variation had not been caused by sun fade, but rather by copper leaking from the concrete table. And tassels had been replaced on a second, cleaned oriental rug we have had for more than 20 years. Both rugs look like new, and for far less than the cost of replacement. Thank you, Dallas Carpet Repair!

    Ed, I want to thank you for coming out a second time to clean my carpets. Both Joseph and Alex were great. They did an excellent job and made sure we were happy before they left. I will definitely recommend your company to my friends and family.

    When I called to make an appointment, the owner of the company answered the phone. He was energetic and clearly engaged in his business operations. I scheduled a time and received a confirmation email which also included a note of appreciation for our business, the name and photo of The technician who would be providing out service, and a link to their reviews. The day of, our technician, Joseph Herrera, was promptly on time. His crew cleaned our carpets beautifully and in record time. They were going to clean our tile in our kitchen, but when he saw that it was polished marble, he was concerned that their equipment might damage the stone. Instead of walking away, he called another company they recommend for stone and marble and initiated our appointment. Excellent service at each step! Highly recommend!

    Free Estimate Form

    First Party Accounts Receivable Management

    #accounts #receivable #company


    First Party Accounts Receivable Management

    First Party Accounts Receivable Management utilizes a series of statements or letters along with inbound and outbound calls to achieve collection objectives.

    Credit Management Company’s (CMC) First Party Accounts Receivable Management service provides a cost-effective method of turning your outstanding accounts receivables into cash as quickly as possible. By utilizing sophisticated technology and highly trained personnel, we are able to assure timely communication with your customers.

    The Accounts Receivable Management program is flexible and can be customized to fit your needs. This program is a seamless extension of your operations therefore all written communication is dispersed on your letterhead with a self-enclosed envelope. In addition, a toll free number answered by CMC Billing Services is provided for your customers to utilize for payments, questions, or inquiries.

    First Party Accounts Receivable Management Services include:
    • Pre-collections
    • Early Out
    • Primary collections
    • Account scoring

    Our team is committed to helping you increase net revenue and reduce the Accounts Receivable cycle while providing a high level of satisfaction. Contact us today to learn more about ways to increase your collections and improve your bottom line.

    Advantages of First Party Accounts Receivable Management Services
    • Reduction in bad debt
    • Improved public and customer relations
    • Prompt payment processing, 24/7

    Public Administration Master s Programs – Capella University

    #public #administration #degree #programs


    Master’s Degrees in Public Administration

    Make an Impact on Your Community—and Your Career

    The challenges faced by communities of all sizes are continually evolving. Capella’s online Master’s in Public Administration degree programs can help you make a positive difference in your community.

    Take a bigger role in today’s government and non-profit sectors through flexible, online programs that are aligned to what is current and relevant in the field today. Capella’s online MPA programs lead the way with competency-based curriculum. ensuring you gain the skills and knowledge to reach your career goals and impact the communities you serve.

    The Right Program to Meet Your Goals

    Accelerate Toward Your Goals

    Take the most direct path to your degree with Capella’s streamlined, online curriculum that delivers job-ready skills in fewer courses. Finish your online Master of Public Administration in as little as 18 months.

    Capella MPA programs include a doctoral-level DPA course, creating an affordable and shorter pathway to your doctoral degree.

    Scholarships and Other Savings

    Keep your tuition costs down as you increase your earning potential. Savings opportunities include:

    • $3,000 Public Service Master’s Scholarship with no repayment required
    • Transfer up to 12 credits into your program
    • Prior Learning Assessments allow you to earn credit when you demonstrate college-level learning gained outside of a typical classroom, such as on-the-job training, self-instruction, and professional certification programs like the CFRE and CNP
    • Tuition discounts available for employer partners
    • 10% tuition discount for students with military affiliation
    • Earn a marketable certification and apply the credits to your MPA

    Calcolo della rata del mutuo, comparazione mutui tasso fisso.

    #Comparazione #mutui #tasso #fisso

    Calcola la rata del mutuo

    La nostra calcolatrice utilizza la formula dell’ammortamento alla francese per calcolare la rata del mutuo. Il software inoltre effettua una simulazione del vostro piano di ammortamento.

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    Istruzioni d’uso Importo del mutuo: Inserire l’importo del mutuo richiesto o che vorreste richiedere Tasso di interesse: Nel caso del calcolo di un mutuo a tasso fisso inserite il tasso di interesse annuo (TAN) , nel caso di calcolo di mutuo a tasso variabile inserite il parametro Euribor e sommate lo spread.

    Perchè scegliere Calcoloratamutuo.org ?

    Quando si sta valutando la richiesta di un mutuo o si deve decidere se modificare il contratto già esistente, non ci si può affidare al “caso”. Un mutuo, qualora fosse accordato, porterà infatti ad un impegno, con un conseguente esborso, per un periodo di tempo medio-lungo.

    Questo potrà andare a incidere anche sulla qualità della vita che si avrà negli inevitabili cambiamenti (personali o professionali) che in un decennio, ventennio o trentennio, si potranno verificare. Ovviamente non si possono andare a preventivare tutti i possibili scenari, ma l’uso di appositi tool di calcolo, come il calcola rata mutuo, potrà servire sia per fare delle simulazioni che delle valutazioni di sostenibilità più approfondite.

    Nel web si trovano tantissimi strumenti che assolvono a questo tipo di funzione. Pensare però che siano intercambiabili o addirittura sovrapponibili è un errore. Perché l’uso di questi programmi sia effettivamente utile e funzionale bisogna per prima cosa valutarne il funzionamento ed il tipo di servizio che di fatto propone, guardando ai seguenti aspetti:

    1. il tipo di ammortamento utilizzato: tutte le banche e le finanziarie che concedono mutui (Bnl, Intesa SanPaolo, Unicredit, Ubi Banca, Bcc, ecc) utilizzano l’ammortamento alla francese. Quindi ci si deve affidare a software che utilizzano questo tipo di calcolo per gli interessi. Questo dato deve essere specificato, qualora non lo fosse, allora si deve cercare un altro calcola rata;
    2. la possibilità di ottenere un piano di ammortamento personalizzato sull’importo richiesto e sul tasso indicato: tali informazioni permettono anche di vedere se si è arrivati ad un punto in cui sia meglio rinegoziare, sostituire, surrogare o estinguere il mutuo esistente;
    3. simulazione e comparazione su prodotti che utilizzano tassi diversi (ad esempio il misto, variabile o fisso). Adottando tassi differenti i mutui non sarebbero direttamente confrontabili, ma possono esserlo tramite il confronto dei piani di ammortamento ottenuti. Inoltre è utile sfruttare un calcola rata del mutuo per poter valutare la “convenienza” tra un tasso variabile con cap (usando il tasso massimo del cap per fare la simulazione) e un tasso fisso o variabile puro;
    4. valutazione della durata massima “accettabile” senza rinunciare alla maggiore convenienza.
    5. Per quanto riguarda quest’ultimo aspetto spesso si preferisce una rata del mutuo quanto più possibile facile da rimborsare, accettando di allungare la durata del piano di ammortamento di “qualche anno”. Un atteggiamento superficiale che sottovaluta l’impatto negativo che si avrà sul monte interessi passivi. Facendo una semplice simulazione, preferibilmente confrontando i differenti piani di ammortamento, ci si renderà invece conto che scegliendo di pagare qualche decina di euro oggi, si risparmieranno svariate migliaia di euro un domani.

    Calcolatori online indipendenti vs comparatori o software “brandizzati”

    Ovviamente l’uso di un calcola rata mutuo indipendente permette un impiego più ampio, non avendo presettaggi di tassi di interesse che non possono essere modificati, e offrendo maggiore libertà anche nell’inserimento delle durate. Un tool non brandizzato permette anche di valutare l’utilità di un’estinzione parziale, potendo scegliere anche il momento migliore per poterla effettuare. Discorso replicabile anche nel caso dell’estinzione totale.

    Problemi o suggerimenti ? Contattaci: Sulla privacy Cookie Policy – Partners