American Health Care Act: Last Week Tonight with John Oliver (HBO)! # Video

American Health Care Act: Last Week Tonight with John Oliver (HBO), REMMONT.COM


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American Health Care Act: Last Week Tonight with John Oliver (HBO)


American Health Care Act: Last Week Tonight with John Oliver (HBO), NEF2.COM


American Health Care Act: Last Week Tonight with John Oliver (HBO)

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Special Report: America’s Healthcare – The great divide? + Video

Special Report: America's Healthcare - The great divide, NEF2.COM


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Special Report: America’s Healthcare – The great divide


Special Report: America's Healthcare - The great divide, NEF2.COM


Special Report: America’s Healthcare – The great divide

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Processed Food Documentary – Processed Food vs. Nutritional Needs? $ Video

Processed Food Documentary - Processed Food vs. Nutritional Needs, REMMONT.COM


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Processed Food Documentary - Processed Food vs. Nutritional Needs, NEF6.COM


Processed Food Documentary – Processed Food vs. Nutritional Needs

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Alquiler de apartamentos en Zahara de los Atunes, alquiler particular.

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Anticipazioni – COVIP, piena proprieta di un immobile.

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Piena proprieta di un immobile

Oggetto: Quesito in materia di anticipazioni

(lettera inviata a un fondo pensione preesistente)

Si fa riferimento alla richiesta del … con la quale codesto Fondo ha chiesto il parere della scrivente Autorità circa la fattibilità di una iniziativa riguardante il profilo delle anticipazioni.

In particolare, è stato rappresentato che la banca, datore di lavoro, sarebbe disponibile a concedere all’iscritto mutui agevolati, garantiti a valere sulla sua posizione individuale di previdenza complementare, al fine di ridurre il ricorso alle anticipazioni soprattutto per esigenze abitative e per ulteriori esigenze dell’iscritto così da mantenere il più possibile integro il montante accumulato.

Secondo il progetto illustrato con la succitata nota, l’iscritto dovrebbe, contestualmente all’accensione del mutuo e a garanzia dello stesso, effettuare una sorta di “prenotazione dell’anticipazione”, dandone comunicazione al Fondo e specificandone la causale. Oltre a ciò verrebbe rilasciata al datore di lavoro una delega alla richiesta dell’anticipazione, da attivarsi solo in caso di mancato pagamento dei ratei del mutuo. Infine, la delega verrebbe accompagnata dall’impegno dell’iscritto a non avvalersi delle anticipazioni se non attraverso la delega stessa, per tutta la durata del mutuo.

In merito, nello specifico, alle anticipazioni per ragioni abitative, ad avviso di codesto Fondo non si avrebbe un’interruzione della connessione funzionale tra l’anticipazione e la finalità per cui la stessa può essere chiesta. Detto nesso funzionale, in base a quanto rappresentato, sarebbe dichiarato ed esplicitato dall’aderente fin dal momento iniziale, individuandosi nella predisposizione di “atti di prenotazione e auto condizionamento da parte dell’iscritto”.

A tale proposito, si ritiene preliminarmente utile evidenziare che l’ordinamento di settore consente in via eccezionale di ottenere la prestazione in modo anticipato rispetto al momento della maturazione dei requisiti pensionistici, essendo la previdenza complementare prioritariamente volta alla generale finalità della costruzione di una rendita pensionistica.

L’istituto delle anticipazioni è, pertanto, finalizzato a contemperare siffatta finalità con specifici interessi ritenuti meritevoli di tutela da parte del Legislatore, alcuni dei quali anche accompagnati da un regime fiscale di favore.

Gli interessi contemplati sono quelli di tipo sanitario e abitativo, mentre la possibilità di accedere all’anticipazione per esigenze personali non ulteriormente qualificate, pur ammessa, è contenuta in una percentuale della posizione individuale sensibilmente più ridotta rispetto alle prime due fattispecie.

In tale quadro, le esigenze abitative sono prese in considerazione dall’art. 11, comma 7, lettera b), del d.lgs. n. 252/2005, in base al quale decorsi otto anni di iscrizione, gli aderenti possono ottenere un’anticipazione della posizione individuale maturata, per un importo non superiore al 75 per cento, per l’acquisto della prima casa di abitazione per sé o per i figli o per la realizzazione di interventi di ristrutturazione, riguardanti la stessa prima casa di abitazione.

Alla luce di tale previsione normativa, la Commissione, nei suoi “Orientamenti in materia di anticipazioni agli iscritti ex art. 11, commi 7, 8 e 9, del decreto legislativo 5 dicembre 2005, n. 252” deliberati il 10 febbraio 2011 e richiamati anche da codesto Fondo, ha precisato che relativamente alle anticipazioni aventi come causale l’acquisto della prima casa di abitazione deve sussistere una stretta connessione tra la domanda di anticipazione e l’acquisto dell’immobile e che tale connessione viene meno quando il decorso del tempo tra l’acquisto dell’immobile e la richiesta di anticipazione sia tale da interrompere ogni collegamento funzionale tra le somme da erogare e l’esigenza tutelata dalla norma.

Quanto all’intervallo temporale tra detti due momenti, la Commissione nei citati Orientamenti ha reputato congruo il termine di diciotto mesi dalla data dell’acquisto, affinché l’anticipazione possa ritenersi effettivamente destinata alla soddisfazione del bisogno “prima casa di abitazione”.

Come sempre precisato negli Orientamenti, le forme pensionistiche possono fissare, nell’ambito della loro autonomia, solo termini più brevi di quello indicato dalla Commissione.

Atteso quanto sopra, l’ipotesi prospettata da codesto Fondo di consentire una “prenotazione dell’anticipazione”, da effettuarsi al momento della concessione del mutuo e da attivarsi concretamente, all’occorrenza, a data indefinita, non appare compatibile con la normativa di settore e con gli Orientamenti della Commissione, giacché di fatto, per l’anticipazione relativa alla causale “acquisto prima casa di abitazione”, aggirerebbe il limite temporale dei diciotto mesi e dunque, sotto un profilo sostanziale, proprio quell’elemento ritenuto necessario per poter effettivamente collegare l’anticipazione della prestazione alla soddisfazione dell’esigenza abitativa.

Premesso che, in linea generale, l’istituto dell’anticipazione ha come riferimento unicamente la posizione dell’iscritto maturata alla data in cui viene posto in essere detto atto e non anche i flussi futuri, si osserva che, nella fattispecie rappresentata, la possibilità di richiedere l’anticipazione anche a distanza significativa di tempo dall’acquisto dell’immobile nei fatti finirebbe per incidere sulla finalità stessa dell’anticipazione.

Tale finalità non sarebbe, in tal modo, più volta all’acquisto dell’immobile, bensì diretta all’estinzione del mutuo o, comunque, al pagamento dei suoi ratei. A questo proposito, tuttavia, si osserva che la normativa di settore (art. 11, comma 7, del d.lgs. n. 252 del 2005) non contempla il diritto degli iscritti di chiedere anticipazioni per l’estinzione di mutui immobiliari o, comunque, per l’assolvimento degli obblighi ad essi connessi e non consente pertanto al Fondo l’erogazione di siffatte prestazioni.

Le considerazioni di cui sopra valgono sia per le anticipazioni chieste direttamente dall’iscritto, sia per le anticipazioni chieste da terzi soggetti sulla base di un’eventuale delega rilasciata dall’iscritto stesso, come nella fattispecie prospettata.




Online and On-Campus Medical Billing Program, Herzing, medical billing and coding online degree.

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Medical Billing

The healthcare industry relies on skilled medical billing professionals to accurately document patient records, submit claims for reimbursement and collect payment for the services provided. Earning your associate degree or diploma is a great place to start preparing for a career in this growing field. And with Herzing’s online medical billing classes, you’ll have the flexibility to learn and earn your degree or diploma from work, home, or wherever it’s convenient.

20 Months / 61 Credits

12 Months / 44 Credits

What do medical billing and insurance coders do?

  • Enter patient information into computer databases
  • Code the proper procedures and diagnoses
  • Send the information to the appropriate patients, insurance companies, doctors and medical facilities

Learn more today!

A growing field for skilled professionals

When you earn your Insurance Billing and Coding Specialist associate degree or diploma from Herzing, you’ll be prepared to join the booming healthcare field.

Individuals with medical billing and coding degrees are in high demand across the healthcare industry. Positions exist in all areas of healthcare including doctors’ offices, insurance companies, hospitals, clinics, assisted living facilities, or any other healthcare provider.

Medical billing and coding online degree

Medical Billing Career Paths

Medical billing professionals with a strong background in medical coding are expected to be in particularly high demand. Other professionals will be needed to manage the entire process, check for accuracy and secure the information as required by law.

More job openings are expected in doctors’ offices because of increasing demand for detailed records, especially in large group practices. New opportunities for medical billing professionals will also happen in home healthcare services, outpatient care centers, hospitals and nursing and residential care facilities.

Some examples of career paths for Herzing University graduates include:

  • Medical Coder
  • Insurance Claims Analyst
  • Coding Specialist
  • Abstractor
  • Medical Office Administrator
  • Coding Technician
  • Medical Billing Specialist
  • Medical Clerk
  • Health Information Specialist

As a student in Herzing University’s insurance billing and coding specialist program, you’ll prepare to work as either a medical biller or medical coder. As a graduate, you may also choose to incorporate both career paths as some employers seek one person who is capable of performing both functions.

Insurance Billing and Coding Specialist Salary

Salaries for insurance billing and coding professionals depend on level of education, experience, credentials earned, and geographic location.

The American Academy of Professional Coders compiles an annual salary survey that includes certified and non-certified medical coding professionals. See the latest result at AAPC Salary Survey to help you gain a better understanding of your earning potential.

Work Environment

With a career as an insurance billing and coding specialist, you can typically expect a 40-hour work week in an office environment such as a healthcare facility or agency setting. Insurance Billing and Coding Specialists often receive a comprehensive benefit package that includes health insurance, paid vacation, and a retirement savings plan such as profit-sharing or 401(k). Some employers have part-time opportunities available as well.




Mobilificio per Arredamento d Interni a Roma, Mobili Brianza, mobile per bagno moderno.

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Mobili Brianza è uno dei più famosi mobilifici a Roma aperti di domenica, specializzato nellarredamento di interni.

Affidandovi a noi scoprirete che ogni nostra soluzione realizzata artigianalmente e fatta a mano, fin dal primo progetto in bozza è unica ed originale come la persona che lo richiede, labitazione a cui è destinato o la specifica necessita pratica e funzionale che ne fa nascere la richiesta.

Sono numerosi i vantaggi di un prodotto realizzato su misura: è infatti possibile applicare numerosissime personalizzazioni anche in corso dopera per riuscire ad ottenere una soluzione che rispecchi al 100% il vostro gusto personale, sfruttando allo stesso tempo ogni centimetro dello spazio abitativo che abbiamo a disposizione. Scegliere un design su misura è scegliere qualità e originalità, tradizione e cura dei dettagli. Ogni nostro progetto è inoltre su misura anche per la disponibilità economica che avete.

Prepariamo infatti preventivi personalizzati indicando in modo trasparente il costo per la fase della progettazione ed i costi necessari per la realizzazione effettiva dei mobili. Dettagliamo tutti i costi voce per voce e possiamo ricontrollare insieme tutti i punti in modo da raggiungere la soluzione migliore e che incontra le vostre necessità.

Mobilificio a Roma per arredamento dinterni

Lasciati stregare dai nostri metodi di lavoro studiati per operare in completa sinergia con il cliente: ti assisteremo durante l’intera fase di progettazione e realizzazione dellarredamento di interni con visite nella nostra falegnameria interna per controllar i tempi e la qualità del lavoro in corso. Siamo inoltre sempre presenti anche al momento del montaggio in loco. Se richiesto, siamo in grado di gestire e coordinare la ricerca, l’ordine e la consegna di accessori e prodotti di serie che serviranno a dare il tocco finale ed unico al vostro progetto.

Il Mobilificio di Mobili Brianza è aperto anche la domenica!

Mobili Brianza è la soluzione che fa per te, soprattutto se stai cercando dei mobilifici a Roma aperti anche alla domenica. Siamo al vostro fianco in ogni fase e attenti a consegnare ogni prodotto finito nei tempi concordati.

Benvenuti su Mobili Brianza

Il vero risparmio si chiama qualità! Confrontateci.

In un mondo in cui PREDOMINA l’apparenza noi abbiamo scelto la sostanza, per questo i nostri mobili sono costruiti per durare nel tempo. Noi crediamo nella QUALITA’ DEI MATERIALI e nella totale personalizzazione del mobile, arredamenti creati con i materiali di prima scelta, frutto di un’accurata selezione. Prima di scegliere un mobile … guardalo dentro…Leggi Tutto




Long Island Real Estate Agent: Long Island property taxes! ( Video

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Long Island Real Estate Agent: Long Island property taxes, REMMONT.COM


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Long Island Real Estate Agent: Long Island property taxes


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Wer keine Lust auf langwierige Verhandlungen und unrealistische Preisvorstellungen hat, ist beim Auto-online-verkaufen.de richtig.

Denn wir kaufen in allen Bundesländern gebrauchte Fahrzeuge. Für uns spielt die Marke keine wichtige Rolle.

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Remplissez-vous les conditions pour partir à la retraite à 60 ans, voire avant ?

Si vous avez commencé à travailler jeune, il est possible de partir avant vos 60 ans, voire plus tôt encore parfois grâce aux départs anticipés pour carrière longue

En 2014, plus de 150 000 salariés sont partis à la retraite avant l’âge légal parce qu’ils ont commencé à travailler tôt selon la Caisse nationale d’assurance vieillesse (Cnav). Cela représente quasi un quart des départs de l’année. Il faut dire que depuis 2012, les conditions ont été largement assouplies.

En 2014, plus de 150 000 salari s sont partis la retraite avant l’ ge l gal parce qu’ils ont commenc travailler t t selon la Caisse nationale d’assurance vieillesse (Cnav). Cela repr sente quasi un quart des d parts de l’ann e. Il faut dire que depuis 2012, les conditions ont t largement assouplies.

Vous le savez, l’ ge l gal de d part la retraite ( ge minimum pour toucher la pension de base) n’est plus 60 ans depuis la r forme Sarkozy de 2010, mais 62 ans pour ceux n s en 1955 ou apr s, 61 ans et sept mois pour la g n ration 1954, 61 ans et deux mois pour la g n ration 1953. En revanche, si vous avez commenc travailler jeune, il est possible de partir avant vos 60 ans, voire plus t t encore parfois gr ce aux ” d parts anticip s pour carri re longue”. Initi en 2004, ce dispositif a t largement assoupli depuis 2012 par le gouvernement socialiste. R sultat : il rencontre un succ s fou !

En 2014, le r gime g n ral (retraite de base des salari s du priv ) a enregistr 150 281 d parts pour carri re longue, selon son bilan annuel diffus mardi par la Caisse nationale d’assurance vieillesse (Cnav). Soit quasi un quart des 635 715 d parts de l’ann e ! C’est plus encore qu’en 2013, ann e d j record avec 147 208 cas. Au final, plus d’un million de salari s ont b n fici du dispositif depuis 2004, sur 6,9 millions de d parts totaux sur la p riode.

Les conditions pour partir 60 ans

Ce dispositif permet de partir la retraite 60 ans deux conditions : il faut avoir valid cinq trimestres avant la fin de l’ann e civile de vos 20 ans (quatre si vous tes n au dernier trimestre) et avoir le nombre de trimestres requis pour le taux plein pour votre g n ration. Attention, seuls comptent les trimestres r ellement cotis s (obtenus en travaillant), ainsi que jusqu’ quatre trimestres de ch mage, quatre de service national, quatre de maladie et d’accident du travail, deux d’invalidit et tous les trimestres de cong maternit (un trimestre est accord pour 90 jours de cong maternit si vous n’avez pas d j vos quatre trimestres l’ann e en question). Les trimestres de majorations pour enfants ne sont pas comptabilis s.

Il est aussi toujours possible de partir avant 60 ans (l’ ge minimum varie selon les g n rations, ce sera 58 ans terme, pour ceux n s en 1960 ou apr s) si vous avez valid cinq trimestres avant la fin de l’ann e civile de vos 16 ans et que vous totalisez plus de trimestres que le nombre requis pour votre g n ration. Les conditions s’appliquant pr cis ment votre ann e de naissance sont d taill es dans ce tableau.

NB : Il existe d’autres possibilit s de d part anticip . Les travailleurs handicap s peuvent dans certains cas partir compter de 55 ans. C’est 60 ans pour les salari s qui, cause d’une maladie professionnelle ou d’un accident du travail, ont un taux d’incapacit sup rieur 10 % et remplissent certains crit res.

Retraite de base des salari s : les principaux chiffres retenir pour 2014

– 1032 . C’est le montant moyen mensuel de la pension de base touch e par ceux qui ont eu une carri re compl te au r gime g n ral, au 31 d cembre 2014, contre 1028 au 31 d cembre 2013. Il s’ l ve 1123 pour les hommes et 921 pour les femmes.

– 62,3 ans. C’est l’ ge moyen de d part la retraite pour les affili s au r gime g n ral en 2014 (61,9 ans pour les hommes et 62,5 ans pour les femmes), contre 62,1 ans en 2013.

– 38,1 %. C’est la proportion de retrait s du r gime g n ral touchant le minimum contributif au 31 d cembre 2014 – 22,7 % pour les hommes, 52 % pour les femmes. Le minimum contributif est la pension de base minimum laquelle un salari a droit s’il a une retraite taux plein. Au maximum, il atteint 687,32 par mois et ne doit surtout pas tre confondu avec le “minimum vieillesse “.




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Profilo 3 di Quattroruote:

  • uomo di 40 anni
  • residente a Brescia
  • impiegato
  • con patente da 22 anni

Da due anni in 1° classe di merito senza sinistri negli ultimi 5 anni, guida una Ford Focus 1 5TDCi, cinque porte, immatricolata nuova nel 2017, con motore turbodiesel 88kW, 16 CV fiscali.

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* Auto: prezzo calcolato sulla tariffa RCA in vigore (pagando online almeno 5 giorni prima della decorrenza), in base al profilo 3 Brescia, libretto Rosso Quattroruote ed 11/2017

* Moto: prezzo calcolato sulla tariffa RC Motocicli in vigore (pagando online almeno 5 giorni prima della decorrenza) in base al profilo 6 Verona Guida alle Assicurazioni Moto di DueRuote ed. 05/2017

* Furgone: lo sconto fino al 20% è dato dallo sconto di tariffa

* Casa: il prezzo di 70 euro si riferisce alla garanzia “proprietario protetto” (massimale RC 500.000 euro) per un appartamento di 25 metri quadri fabbricato in muratura, cemento armato o in acciaio.

*Auto: Risparmio calcolato confrontando la media delle tariffe di tutte le altre compagnie per il profilo 3 Brescia riportate nel Libretto rosso Quattroruote edizione 11/2015

*Moto: prezzo calcolato sulla tariffa RC Motocicli in vigore (pagando online almeno 5 giorni prima della decorrenza) in base al profilo 6 Verona Guida alle Assicurazioni Moto di DueRuote ed. 05/2017

*Furgone: Lo sconto del 20% è dato dallo sconto di tariffa.

*Casa: il prezzo di 70 euro si riferisce alla garanzia “proprietario protetto” (massimale RC 500.000 euro) per un appartamento di 25 metri quadri fabbricato in muratura, cemento armato o in acciaio.

Aggiornamenti e comunicazioni
Digitalizzazione del Certificato di Assicurazione

A partire da dicembre 2015 anche il Certificato di Assicurazione è stato digitalizzato e non viene più inviato in formato cartaceo. Lo riceverai in pdf via mail o lo potrai scaricare dall’Area Riservata.

Sezione Infortuni – Miglioramento clausola Indennità

Per dare maggiore protezione, abbiamo migliorato a vantaggio dei nostri Clienti gli articoli relativi al pagamento dell'Indennità nella sezione Infortuni. Tale modifica è già applicata alla gestione di eventuali sinistri relativi a contratti in essere, come da lettera al mercato di IVASS e in linea con gli orientamenti espressi dall'Autorità Garante della Concorrenza e del Mercato (AGCM).

Per maggiori informazioni è possibile scaricare e consultare i Fascicoli Informativi nella sezione Documenti.

Profilo 6 di DueRuote:

  • donna di 30 anni
  • impiegata az. privata
  • residente a Verona
  • coniugata
  • con laurea

In 1° classe di merito, guida una Triumph Tiger 800 XR ABS, Enduro stradale, 70kW, 799 CC trazione 6m, omologata per 2 persone del valore di 10.900€.

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Altri prodotti e servizi su Zurich.it

Assicurazione Auto, scopri il nostro miglior prezzo. Tutta la convenienza di un’assicurazione auto, senza rinunciare a qualità, garanzie e affidabilità direttamente online. Bastano pochi minuti per richiedere un preventivo auto e sottoscrivere la tua polizza. Calcola subito il tuo preventivo online e scopri la nostra offerta migliore per la tua RC Auto.

Protezione e sicurezza per la tua due ruote con l’Assicurazione Moto di Zurich Connect. Scegli in pochi minuti la tua assicurazione moto e costruiscila su misura per te. Affidati ai vantaggi di Zurich Connect per sottoscrivere la tua assicurazione, trova la combinazione perfetta per le tue esigenze.

Protezione e sicurezza anche sul lavoro con l’Assicurazione Furgone. Il nostro miglior prezzo e la qualità delle garanzie su misura per te. Costruisci passo dopo passo la tua polizza scegliendo le coperture necessarie per le tue esigenze e abitudini di guida.

Assicurazione Casa, protezione a 360°. Proteggi la tua casa e la tua famiglia con la nostra polizza assicurativa. Scopri l’assicurazione sulla casa tutta da personalizzare, con le nostre migliori coperture assicurative per assicurarti sonni tranquilli.

Zurich Connect è un marchio di proprietà di Zurich Insurance Company Ltd, che vende assicurazioni online e telefoniche direttamente ai clienti, senza intermediari, del Gruppo Zurich Italia. Zurich Connect ti permette di risparmiare sulla tua assicurazione auto, moto, furgone e casa online e di avvalerti di un servizio affidabile e di altissima qualità, personalizzato sulle tue esigenze. Scopri le assicurazioni auto, moto, furgone e casa di Zurich Connect e calcola gratuitamente il tuo preventivo online.

Zurich Insurance Company Ltd – Sede: Mythenquai, 2 – Zurigo

Registro Commercio Zurigo n. CHE-105.833.114

Sottoposta alla vigilanza dell’Autorità Svizzera preposta alla regolamentazione sui mercati finanziari

Capitale sociale fr. sv. 825.000.000 i.v.

Rappresentanza Generale per l’Italia – Sede: Via Benigno Crespi, 23 – 20159 Milano

Iscritta all’Albo Imprese IVASS il 01.12.15 al n. 2.00004

Capogruppo del Gruppo Zurich Italia, iscritto all’Albo Gruppi IVASS il 28.5.08 al n. 2

C.F./P.IVA/R.I. Milano 01627980152

Imp. aut. Con Provvedimento IVASS n. 0054457/15 del 10.6.15

Rappresentante Generale per l’Italia: C. Candia

Copyright © 2010 Zurich Insurance Company Ltd




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Objetivando um melhor atendimento ao cliente, a Nova Peças, empresa líder no segmento de reposição de material automobilístico no estado do Rio de Janeiro, comunica uma mudança estratégica no atendimento aos seus consumidores.

Visando uma nova estratégia geográfica, ampliamos, de forma significativa, nossa presença em Duque de Caxias, região mais próxima à Capital do Estado e à Região Serrana, mantendo nossa presença na Baixada Fluminense, bem como em Campo Grande, um dos bairros que mais crescem no município do Rio de Janeiro, atendendo a uma antiga requisição de nossos clientes.

Sendo assim, retiramo-nos da Avenida Nilo Peçanha, em Nova Iguaçu, passando nossa sede, na Baixada, para Duque da Caxias na Av. Duque de Caxias, 866.

Mas nos mantemos firmes no propósito de obter excelência no atendimento, oferecendo peças de qualidade com o preço justo e a garantia de um nome sólido e com tradição no segmento de reposição automotiva.

E as novidades não param por aí, em breve nossos amigos/clientes poderão contar com mais um endereço para sua maior comodidade e conforto.

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Cheap Car Insurance in Durham, North Carolina

Want to learn more about Durham and how to get cheap car insurance? Well, only a half-hour northwest of Raleigh, the City of Durham has an estimated 252,000 residents. It is home to Duke University and Duke Medical Center, two of its major employers. The city is only 23 miles from the Virginia border, and lies in the corner of North Carolina’s Central Piedmont, a foothills region between mountains and coastal plains.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Durham. Get your free customized auto insurance quote today!

Driving Conditions in Durham

Durham is served by Interstate 40, which takes commuters straight into Raleigh, as well as Interstate 85, which heads northward into Virginia. North Caroline Highway 147 connects Duke University, downtown and Research Triangle Park, and the section north of Interstate 40 is known as the Durham Freeway. The city’s visitors’ bureau warns that road names and numbers sometimes change on what appears to be the same road. Even more confusing: Roads may be referred to by a number, a name and by a memorial name.

Durham is considered part of the greater Raleigh metro area, where the average commute time is close to the national average of 25.2 minutes, according to Census Bureau data. Travel and traffic information can be accessed at tims.ncdot.gov/TIMS/RegionSummary.aspx.

Unique Laws in Durham

Teen-aged drivers may use cellphones but only when talking to a parent, spouse or on an emergency call. Happy hours are prohibited in North Carolina except for food specials. In more odd-sounding laws, it is illegal to Rollerblade on state highways or drive on sidewalks in North Carolina.

Durham Crime Statistics

The vehicle theft rate in the greater Durham-Chapel Hill metro was 173 reports per 100,000 people in 2015, or 958 cases, according to numbers from the National Insurance Crime Bureau. The national average for that year is 220 incidents per 100,000. The Durham car theft rate is higher than neighboring Raleigh, where the rate was just under 120 incidents per 100,000 the same year.

Durham Safety Requirements

North Carolina mandates drivers and all passengers wear seat belts. Children under age 16 must ride in an appropriate restraint seatbelt for those age 8 or over 80 pounds, or a car seat or booster seat, according to the North Carolina Department of Transportation. For more safety restraint information, visit buckleupnc.org. Drivers under 18 are prohibited from talking on a cellphone while driving unless it is an emergency, or when talking to a parent or spouse.

Durham Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving under the influence, according to the North Carolina Department of Transportation. If convicted, first offenders face a minimum punishment of up to $200 in fines and jail time from 24 hours to 30 days. A person convicted of DWI will have his or her license suspended for at least one year.

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Kelisto, Los mejores seguros de hogar (febrero 2014), mejor seguro hogar.

#Mejor #seguro #hogar


Los mejores seguros de hogar (febrero 2014)

Ahorra un 70% en tu seguro de hogar

Llámanos al 91 193 70 77

  • Asefa Básico ofrece el seguro de hogar básico más competitivo del mercado (89 euros) y Allianz el producto más interesante entre los de gama media (192 euros)
  • Mapfre se convierte en una de las opciones menos interesantes (su póliza de gama media se eleva hasta los 324 euros) por no ofrecer coberturas adicionales frente a otros seguros con una prima más reducida
  • La diferencia de precio entre los seguros más baratos y más elevados de cada categoría alcanza los 200 euros de media
  • Antes de escoger una póliza de hogar, es imprescindible comparar precios y estudiar las necesidades de cobertura que requerirá la vivienda

Elegir un seguro de hogar constituye una de las principales decisiones que debes tomar cuando adquieres una vivienda. Si estás buscando una aseguradora con la que proteger tu casa o estás pensando en cambiar de compañía, te recomendamos que revises nuestra comparativa con los mejores productos del mercado.

Según datos de Kelisto, cerca de un 30% de hogares en España no cuenta con un seguro de hogar, en algunos casos, por una falsa sensación de ahorro. Sin embargo, el precio medio que supone atender un siniestro en una vivienda sin seguro supera los 300 euros de media, por lo que contar con una póliza de estas características evitará, sin duda, sobresaltos en tu factura.

Antes de escoger un producto, te recomendamos que estudies las necesidades de tu vivienda y el uso que le vas a dar a la misma. Además, recuerda que cualquier medida de seguridad que incorpores (como, por ejemplo, una alarma antirrobo) puede reducir el importe de la prima y que, por otro lado, algunas compañías premian la fidelidad de aquellos clientes que tengan contratados otros productos con la misma aseguradora.

Seguros básicos

Este tipo de productos se caracterizan por ofrecer las coberturas más esenciales para proteger el inmueble. Se recomiendan, por tanto, para segundas viviendas o si vas a destinar la casa al alquiler. Los seguros básicos cuentan con los precios más reducidos del mercado (entre 89 euros y 250 euros) pero no incluyen determinadas coberturas que pueden ser esenciales en el día a día.


Mietminderung bei 15 Grad in der Wohnung (Temperatur), 3 raum wohnung dresden.

#3 #raum #wohnung #dresden


Mietminderung.org

Mietminderung bei 15 Grad in der Wohnung (Temperatur)

3 raum wohnung dresden

Nur eine ordentlich geheizte Wohnung bietet Wohnqualität. Niemand mietet eine kalte Wohnung. Demgemäß hat jeder Mieter das Recht auf eine warme und bewohnbare Wohnung. Der Vermieter muss in der Wohnung eine Behaglichkeitstemperatur gewährleisten. Zumindest gilt diese Vorgabe für die allgemein übliche Heizperiode vom 1. Oktober bis zum 30. April.

Auf jeden Fall ist der Vermieter für das ordnungsgemäße Funktionieren der Heizungsanlage verantwortlich (OLG Dresden WuM 2002, 541). Diese Selbstverständlichkeit ergibt sich bereits aus dem Mietvertrag, auch wenn dort eine bestimmte Mindesttemperatur nicht ausdrücklich zugesichert ist.

Der Mieter darf eine Mindesttemperatur erwarten

Die Mindesttemperatur liegt in Aufenthaltsräumen bei mindestens 20°Celsius bis etwa 22° Celsius (OVG Berlin WuM 1981, 68; LG Köln WuM 1980, 17).

In Küche, Schlafräumen, Hausflur und nicht zu Wohnzwecken genutzten Räumen kann die Temperatur auch darunter liegen (18° – 20° C).

Diese Behaglichkeitstemperaturen müssen im Zeitraum von 6 Uhr morgens bis 23 Uhr abends gewährleistet sein (LG Heidelberg WuM 1982,2), wurden aber auch bis 24 Uhr zuerkannt (AG Hamburg WuM 1996, 469). Maßgeblich ist, wie der Mieter den jeweiligen Raum nutzt. In einem Kinderschlafzimmer, in dem das Kind spielt, ist eine höhere Temperatur (20° – 22°) angemessen, als in einem Elternschlafzimmer, das nur nachts zum Schlafen benutzt wird.

18°Celsius in der Wohnung insgesamt sind allenfalls im Rahmen der Nachtabsenkung zwischen 23 und 6 Uhr morgens zumutbar (LG Berlin NZM 1999, 1039).

Liegen die Temperaturen in der Wohnung bei 15° C, ist ein Aufenthalt nahezu unzumutbar.

Minderungsfälle aus der Rechtsprechung: Raumtemperatur von 15° C

  • 30 % Mietminderung bei Unterbeheizung im März (LG Düsseldorf, Urt.v. 17.05.1973, 12 S 382/72);
  • 15 % Mietminderung (AG Schöneberg 2 C 454/85);
  • 25 % Mietminderung (AG Berlin Neukölln 10 C 557/84);
  • 30 % Mietminderung (LG Düsseldorf WuM 1973, 187, ebenso LG München 20 S 3739/84);
  • Heizungsausfall im Sommer bei Außentemperaturen von 13° 17,5°: 50 % Mietminderung (AG Waldbröl WuM 1981, 8);
  • Raumtemperatur 14 – 15°: 70 % Mietminderung im Winter und Ausfall des Warmwassers (AG Görlitz WuM 1998, 315).

Minderungsquote ist umständebedingt

Für die Höhe der Minderung ist der Zeitraum maßgeblich, in dem die Mindesttemperaturen unterschritten werden, ob alle Räume der Wohnung betroffen sind, welche Räume betroffen sind (Wohnzimmer oder Schlafzimmer), aber auch, inwieweit sich der Mieter überhaupt in der Wohnung aufhält. Klare Vorgaben oder pauschale Bewertungsmaßstäbe gibt es dazu nicht. Im Streitfall muss ein Gericht entscheiden.

Da der Mieter für die Situation beweispflichtig ist, sollte er ein Temperaturprotokoll erstellen und die Zeiträume, Außentemperaturen und Innentemperaturn in den einzelnen Räumen genau dokumentieren.

Auch im Sommer sind 18 Grad zu wenig

Der Vermieter ist verpflichtet, auch im Sommer die Wohnung zu heizen, wenn die Temperaturen über einen längeren Zeitraum unter 18° absinken (LG Göttingen WuM 1989, 366). Welche Zeiträume hierfür angemessen sind, bestimmen die Umstände im Einzelfall. Maßgeblich sind die Wetterperspektive, der für den Vermieter erforderliche Zeit- und Kostenaufwand für das Hochfahren der Heizung und die dem Mieter zumutbaren Maßnahmen zur Abwendung der kältebedingten Umstände (Fenster schließen, wärmer anziehen). Ein kurzzeitiger Kälteeinbruch ist eher zumutbar, als wenn sich eine längere Kälteperiode abzeichnet.

Im Idealfall verständigt sich der Mieter unter Einbeziehung der anderen Mieter mit dem Vermieter über das, was notwendigerweise zu tun ist. Insbesondere dann, wenn der Mieter die Heizkosten im Rahmen der Nebenkostenvorauszahlungen ohnehin selbst bezahlt, dürfte ein Vermieter wenig Argumente haben, sich gegen den Wunsch des Mieters zu verwahren.


Cheap Car Insurance from Titan Insurance Company, cheap auto insurance pa.

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Branchenbuch für Deutschland, rechtsanwalt saarbrücken.

#Rechtsanwalt #saarbrücken


Unternehmen finden

die umfassende lokale Suche für Deutschland

Regionales

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Hotels

Suchen Sie sich für Ihren nächsten Urlaub ein schönes Hotel.

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Den nächsten Blockbuster im Lieblingskino genießen.

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Leckere Pasta beim nächsten Italiener.

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Freizeitangebote

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Tankstellen

Suchen Sie die nächste Tankstelle.

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Wetter

Das aktuelle Wetter für Deine Stadt.

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Apotheken

Suchen Sie eine Apotheke in Ihrer Nähe.

Empfehlungen

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Turismo R, GTA Wiki, FANDOM powered by Wikia, turismo.

#Turismo


Turismo R

Turismo R

Vehicle class

Vehicle type

Body style

Capacity

Appears in

Manufacturer

Price

Similar vehicle(s)

Miscellaneous Information

Dashboard Type (GTA V)

Interior Type

Traffic-default Color(s)

­ P : Metallic Black (0 – ML )

­ S : Metallic Black (0 – ML )

­ Prl : Metallic Black (0 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Graphite Black (1 – ML )

­ S : Metallic Black (0 – ML )

­ Prl : Metallic Silver (4 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Steel Gray (6 – ML )

­ S : Metallic Black (0 – ML )

­ Prl : Metallic White (111 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Dark Silver (3 – ML )

­ S : Metallic Dark Silver (3 – ML )

­ Prl : Metallic Blue Silver (5 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Blue Silver (5 – ML )

­ S : Metallic Blue Silver (5 – ML )

­ Prl : Metallic White (111 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic White (111 – ML )

­ S : Metallic White (111 – ML )

­ Prl : Metallic White (111 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Shadow Silver (7 – ML )

­ S : Metallic Shadow Silver (7 – ML )

­ Prl : Metallic Blue Silver (5 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Black (0 – ML )

­ Prl : Metallic Champagne (93 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Cabernet Red (34 – ML )

­ S : Metallic Cabernet Red (34 – ML )

­ Prl : Metallic Sunrise Orange (36 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Graceful Red (31 – ML )

­ S : Metallic Black (0 – ML )

­ Prl : Matte Orange (41 – MT )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Worn Orange (130 – W )

­ S : Matte Black (12 – MT )

­ Prl : Worn Orange (130 – W )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Spinnaker Blue (72 – ML )

­ S : Metallic Spinnaker Blue (72 – ML )

­ Prl : Metallic Ultra Blue (73 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Taxi Yellow (88 – ML )

­ S : Metallic Black Steal (2 – ML )

­ Prl : Metallic Race Yellow (89 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Metallic Torino Red (28 – ML )

­ S : Matte Black (12 – MT )

­ Prl : Metallic Sunrise Orange (36 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ P : Matte Black (12 – MT )

­ S : Matte Black (12 – MT )

­ Prl : Metallic Black (0 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

­ S : Metallic Black (0 – ML )

­ Prl : Metallic Black (0 – ML )

­ W : DEFAULT ALLOY COLOR (156 – C )

Default Wheel Type (GTA V)

Flag(s)

­ Spawn On Trailer

­ No Broken Down Scenario

­ Has Interior Extras

Model Name(s)

Handling Name(s)

Text Label Name(s)

Population Information

Spawns Naturally?

Yes (Enhanced version, pre-modified)

Contents

Design

Grand Theft Auto V

The Turismo R is made up of many sharp curves and edges, giving it an aggressive appearance. This design is heavily inspired by LaFerrari featuring its front bumper and greenhouse area as well as being a hybrid electric hypercar. The front lip of the car is inspired by the Lamborghini Sesto Elemento, including the headlights, and it lightly has a resemblence to the Arash AF8. The rear area is somewhat based on the LaFerrari (with a similar glass engine cover formation), although the two taillights are similar to those on the McLaren F1 and shares a slight resemblance to the Faralli Mazzanti Evantra. The rear also bears some references to the McLaren P1 and Corvette C7 accents.

All in all, the Turismo R is heavily based on LaFerrari with many elements of the McLaren P1 and several other cars. Because of its extremely streamlined and low down body, cars may drive up the hood as if it was a ramp on head on collisions.

Just like the Cheetah, if the suspension is lowered to the maximum through Los Santos Customs, the Turismo R is able to drive right under high-suspension vehicles, such as the Sandking XL, at high speed and sometimes some low-suspension vehicles if driving head-on against them. The only downside to this, however, is that it has the tendency to hit curbs much more easily, damaging your car and even flipping it over. The same is true of the Zentorno, even with default suspension.


SBIF – Cliente Bancario – CГіmo hacer reclamos, telefonica reclamos.

#Telefonica #reclamos


(*) Para conocer y entender el mundo financiero

Un sitio de la Superintendencia de Bancos e Instituciones Financieras – SBIF

AtenciГіn telefГіnica: 600 4646 000

Asistencia y asesorГ­a

  • Portada
  • Asistencia y asesorГ­a
  • CГіmo hacer reclamos

CГіmo hacer reclamos

  • ВїQuГ© es un reclamo y cГіmo se hace?
    • Reclamo es toda presentaciГіn por escrito que efectГєe un cliente ante su banco para dar cuenta de una situaciГіn concreta que no ha sido resuelta por el banco. Los principales tipos de reclamos asociados a productos o servicios bancarios son los siguientes:
      • Quejas por mala atenciГіn (lenta, desatenta, maleducada, parcial, extemporГЎnea).
      • Quejas por operaciones mal efectuadas.
      • Quejas por cobros indebidos.
      • Desacuerdo con lo obrado o resuelto por los representantes del banco.
      • Malestar por determinadas acciones no efectuadas por el banco.
      • Solicitud de informaciГіn que clarifique, respalde o complemente la informaciГіn disponible.
  • ВїQuГ© hacer si se tiene un problema con un banco?
    • Al presentarse algГєn problema en una operaciГіn con un banco:
      • a) Revise la documentaciГіn puesta a su disposiciГіn, en especial la que estГ© firmada por usted.
      • b) En primera instancia siempre trate de resolver el problema directamente con la entidad financiera.
      • c) Si no encuentra respuesta, puede formular un reclamo a SBIF. Para ello, le sugerimos que antes de hacer el reclamo se comunique con el Centro de AtenciГіn TelefГіnica de la SBIF, al nГєmero 600 4646 000 (costo de llamada local en todo Chile) o bien revise la GuГ­a del Cliente Bancario (en formato PDF)
  • ВїPor quГ© el cliente tiene que recurrir inicialmente a la entidad en que se generГі el problema?
    • El banco en el que se realizГі la operaciГіn que originГі el reclamo es el Гєnico que cuenta con todos los antecedentes relacionados con Г©ste. Por ello es la instancia natural de soluciГіn de las dudas, desacuerdos o problemas que se susciten en el transcurso del tiempo y deberГ­a ser el camino mГЎs rГЎpido para llegar a una soluciГіn.
    • Considere que para los bancos los clientes son la base de su negocio. La calidad de los servicios que les prestan y cГіmo resuelven los problemas planteados por ellos son preocupaciones fundamentales para los ejecutivos de estas entidades.
    • AdemГЎs, la atenciГіn brindada a los clientes es un componente que la SBIF considera dentro de sus revisiones periГіdicas a los bancos e incide en la evaluaciГіn que hace de su gestiГіn.
  • ВїCon quien consultar en cada banco?
    • Los bancos tienen funcionarios encargados de atender las consultas y/o reclamos que hagan sus clientes.
    • A continuaciГіn se entrega una nГіmina de las Instituciones Financieras y las personas encargadas de responder dichas consultas (todas las direcciones y teléfonos corresponden a la ciudad de Santiago, salvo donde se indica):
    • Preguntas y respuestas relacionadas con productos bancarios

      Otros sitios de SBIF

      • BancaFacil.cl Sitio educativo de SBIF
      • SBIF.cl Sitio de la Superintendencia de Bancos e Instituciones Financieras

      Telefonica reclamos

      Otros sitios SBIF

      Cliente Bancario es un sitio de la Superintendencia de Bancos e Instituciones Financieras, SBIF


Asesor – a Previsional, Financiera y Tributaria, Alfredo Cruz y C – a, financiera.

#Financiera


financiera

Asesoría Previsional integral, quedarás tranquilo y en manos expertas.

¿Su empresa está con planes de retiro?

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Últimos Boletines Informativos

Financiera

Gobierno insiste: tramitación de Reforma Previsional será “hasta el último día”

Financiera

¿Por qué una AFP renta más que otra?

Financiera

Criptomonedas ¿Las Divisas Del Futuro?

Financiera

Revista Valora WEB

PLATAFORMA INTEGRADA

Financiera

Beneficio Exclusivo Clientes de APV e Inversiones

Amplio grado de diversificación,Mayores rentabilidades y Reducción de 30 a 7 días para rebalanceo.

PLANIFICACIÓN PATRIMONIAL

Financiera

Planifica con Anticipación

Te orientamos a planificar de la mejor forma tu patrimonio desde los aspectos previsionales, financiero, tributarios, bienes raíces y de seguros.

ÍNDICES BURSÁTILES

Financiera

Vea online la evolución de las bolsas internacionales

Siga las bolsas internacionales diariamente, donde encontrará los Índices Bursátiles más importantes del mundo.

RENTABILIDADES DE AFP

Financiera

Conozca las Rentabilidades de los Fondos de Pensiones

Analice y compare gráficamente las rentabilidades mensuales e históricas de los fondos de pensión de las distintas AFP.

¿Quieres recibir información actualizada de Alfredo Cruz & Cia en tu correo ?

Certificaciones

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Gratuitos en Linea – Abogados Gratis de Familia – Abogados Gratis por Internet – Abogado Gratis por Internet – Abogado Gratis en Linea – Estudio Juridico Laboral – Estudio Juridico en Capital Federal – Necesito Abogado – Estudios Juridicos en capital federal – Estudio Juridico Abogados – Abogado Despido Laboral – Liquidacion Despido Laboral – Reclamo Salarial – Abogado Laboral – Accidente Laboral ART – Abogados Laboral Gratis – Indemnizacion Laboral – Renuncia Laboral – Abogados Consultas Gratis – Abogados Gratuitos – Necesito Abogado Laboral – Estudios Juridicos Laboral – Conciliciacion Laboral – SECLO – Estudio Juridico Laboral – Renuncia Laboral – Me Despidieron – Me echaron – Indemnizacion final – Accidentes Laborales – Accidente en el trabajo – Licencia por Embarazo – Licencia por accidente laboral – Abogado Laboralista – Reclamo laboral – Trabajo en Negro – Despido sin causa – Despido con causa – Juicio Laboral – Convenio honorarios – Diferencia Salarial – Mobbing – Acoso Laboral – Trabajo insalubre – Enfermedad Laboral – Enfermedades Laborales – Derechos Laborales – Telegrama de Despido – Estudio Juridico Abogados – Abogado Despido Laboral – Liquidacion Despido Laboral – Reclamo Salarial – Abogado Laboral – Accidente Laboral ART – – Abogados Laboral Gratis – Indemnizacion Laboral – Renuncia Laboral – Abogados Consultas Gratis – Abogados Gratuitos – Necesito Abogado Laboral – Estudios Juridicos Laboral – Conciliciacion Laboral – SECLO – acoso laboral – Renuncia Laboral – Me Despidieron – Me echaron – Indemnizacion final – acosos laborales – Accidente en el trabajo – Licencia por Embarazo – Licencia por accidente laboral – Abogado Laboralista – Reclamo laboral – Trabajo en Negro – Despido sin causa – Despido con causa – Juicio Laboral – mobbing – Diferencia Salarial – Mobbing – Acoso Laboral – Trabajo insalubre – Enfermedad Laboral – Enfermedades Laborales – Derechos Laborales – Telegrama de Despido – abogados de divorcios – divorcios por internet – divorcios online – divorcios en internet – abogados especialistas divorcios – separación personal de divorcio – división de bienes – bienes gananciales – bienes propios – divorcio – separación – sociedad conyugal – juicio de divorcio – abogados de familia – derecho de familia – disolucion de la sociedad conyugal – divorcio – divorcio de comun acuerdo – divorcio por presentacion conjunta – divorcio consensuado – divorcio y division de bienes – separarme – divorciarme – tramite de divorcio por internet – tramite de divorcio – Abogado de familia – gastos de divorcio – Divorcios famosos – requisitos para divorciarse – divorcio familiar – divorcio ley – divorciofamiliar – divorcio familiar – testamento – herencias – abogado herencias – herederos – albacea – hacer testamento – herencias sin testamento – tramites herencias – codigo civil herencias – herencias legitima – herencias yacentes – impugnacion testamento – impugnar testamento – nulidad testamento – testamentarias – testamento legitima – testamento mancomunado – herederos forzosos – impugnación testamento – clases testamento – impugnacion testamentos – legitima testamentaria – sucesiones – sucesion – sucesión – sucesion testamentaria – sucesion ab intestato – sucesion herederos – sucesion herencias – sucesion intestada – sucesion legitima – derecho sucesion – hacer sucesion – ley de sucesion – sucesion argentina – sucesion bienes – sucesion conyuge – sucesion de bienes – sucesion hereditaria – sucesion mortis causa – sucesion testada – sucesion testamento – tramites de sucesion – derecho de sucesion – donacion sucesion – juicio de sucesion – ley sucesion – sucesion abintestato – sucesion hermanos – derechos de sucesion – derechos sucesion – apertura de la sucesion – apertura sucesion – carta de sucesion – como sucesion – de la sucesion intestada – de sucesion de – de sucesion en – de sucesion intestada – derecho a la sucesion –

Abogado online gratis Abogado online gratis Abogado online gratis Abogado online gratis Abogado online gratis Abogado online gratis Abogado online gratis Abogado online gratis Abogado online gratis

Háganos llegar su consulta tan solo llenando un simple formulario.

Un asesor le contestara todas sus dudas

El Código de Etica que rige nuestra profesión, le asegura nuestra obligación de guardar secreto profesional respecto de sus comentarios.


Caja de Profesionales Universitarios, prestamo brou.

#Prestamo #brou


Prestamo brou

Autoridades

GestiГіn

Profesiones amparadas

CategorГ­as de activos

PadrГіn de afiliados

Jubilaciones:

JubilaciГіn por edad avanzada

JubilaciГіn por art. 145 (Ley 17738)

Subsidios y compensaciones

PrГ©stamos

PrГ©stamos

La CJPPU brinda a sus afiliados activos prГ©stamos en dГіlares americanos y a los pasivos prГ©stamos en moneda nacional.

Reglamento de PrГ©stamos

Condiciones para acceder

Las condiciones para acceder al préstamo serán las siguientes:

a) Haber ejercido la profesión en forma libre e ininterrumpida por un mínimo de tres años inmediatamente previos a la solicitud*.

En caso de haber formulado declaración jurada de no ejercicio durante esos períodos, la misma no deberá exceder de 90 días por cada cinco años de ejercicio con que cuente el solicitante o que la misma se haya debido al usufructo de una beca o curso de capacitación en el extranjero o a incapacidad declarada fuera de plazo.

b) No tener obligaciones pendientes de pago ni demás obligaciones pecuniarias.

c) Presentar regularidad en los pagos en los últimos dos años entendiéndose por ello que el solicitante no podrá registrar más de cuatro atrasos en dicho período o en caso de excederlo, que los mismos no superen en su conjunto los 30 días hábiles.

Se considerarán pagos regulares aquellos efectuados hasta el quinto día hábil del mes siguiente al vencimiento.

Asimismo se configurará regularidad cuando los pagos correspondientes a los acuerdos de refinanciación –de coincidir éstos con el período observado de los dos últimos años previos a la solicitud- hayan sido cumplidos en las condiciones allí pactadas. Se aplicarán también en estos casos y en cuanto corresponda, el resto de las disposiciones del presente inciso.

d) No haber solicitado subsidio por enfermedad en el período mencionado en el apartado c) por una patología que pueda determinar un riesgo de vida inmediato.

f) No encontrarse registrado como moroso en el Clearing de Informes.

g) No tener otro préstamo vigente con la Caja salvo en caso de renovación antes de la cancelación. El este caso el líquido a percibir será la diferencia entre el monto del nuevo préstamo y el saldo del préstamo anterior. El saldo del préstamo anterior se obtendrá por la suma de las cuotas adeudadas no vencidas, deducidos el 100% de los intereses de las cuotas adeudadas correspondientes, como máximo, al último tercio del vale que se renueva (art. 26).

h) No tener la calidad de fiador solidario respecto de un préstamo otorgado por el Instituto que tenga cuotas vencidas.

*Con esta condición se accede al primer nivel de préstamos.

En Montevideo

Para realizar el trámite se deberá presentar:

– Cédula de identidad vigente

– Última factura de aporte paga (si concurre en los primeros días del mes)

– Número de RUT y domicilio fiscal (en caso de poseer)

– Factura original de UTE, OSE, ANTEL, etc con no más de 90 días de emitida a la fecha de solicitud del préstamo.

Número de Cuenta Corriente o Caja de Ahorro en el BROU (en caso de poseer en la misma moneda en que se contrata el préstamo).

Solicitudes

Para la entrega de un préstamo se debe enviar una solicitud en función de la condición del afiliado y si el préstamos es o no con fiador.

Aquellos afiliados con domicilio en el interior del país que deseen realizar el trámite desde su localidad, deberán enviar la solicitud firmada por el titular o por titular y fiador –cuando corresponda – al sector Préstamos del Departamento de Atención a Afiliados junto con la fotocopia de la o las cédulas de identidad (la firma en el formulario de solicitud debe ser idéntica a la que luce en el documento y copia del facturas a nombre del titular y fiador si corresponde, de UTE, OSE, ANTEL, etc con no más de 90 días de emitida a la fecha de solicitud del préstamo.

Se estudiarán los antecedentes y de cumplir con todos los requisitos establecidos en el reglamento de préstamos se le enviará vale y recibo para la firma, los que deberán devolverse firmados igual que en la cédula de identidad, junto con un testimonio notarial de dicho documento.

En caso de ser un préstamo con fiador solidario, las firmas en el vale deben estar certificada por escribano público.

Pago y cobro de los prГ©stamos

Los préstamos se abonarán únicamente por transferencia o giro al Banco República. Si el solicitante posee cuenta en el BROU (en la misma moneda en que contrata el préstamo) debe indicar el número de la misma. De lo contrario, se realizará el giro a nombre del titular a la sucursal del BROU que el solicitante elija.

Se podrá debitar de tarjeta Visa (1) o Cabal; o si se tiene cuenta en BBVA, Banco Itaú, Nuevo Banco Comercial o Banco Bandes Uruguay S.A. Se deberá concurrir al banco o a la Institución Financiera. Como comprobante queda el débito registrado en el estado de cuenta.

(1) Visa – Telf. 2900 0222 de lunes a viernes de 10 a 18 hrs. o www.visanet.com.uy.

En locales de Abitab y Red pagos quedan incluidos automáticamente quienes no cuenten con cualquiera de los sistemas anteriormente mencionados y que no tengan más de tres cuotas para abonar (la vigente y hasta dos atrasadas). Se deberá concurrir a los locales habilitados y proporcionar número de afiliado o número de cédula de identidad).

Consultas

Personalmente: en Sector Préstamos del Depto. de Afiliados, de lunes a viernes de 12:15 a 17:30

Por teléfono: Comunicándose al 2902 8941 (int. 256) de lunes a viernes de 12 a 19.


Ideas para decorar baños pequeños – Decoración Blog, ideas para baños pequeños con ducha.

#Ideas #para #baños #pequeños #con #ducha


Ideas para decorar baños pequeños

Nos encanta las nuevas ideas y tendencias que viene para baños esta próxima temporada: Muebles sencillos, bañeras y platos de ducha de proporciones normales y fotografías de espacios realistas.

Si tienes un cuarto de baño normal -y no de unos 100 m2- y quieres conseguir un baño moderno, éste es tu post para saber sobre las últimas tendencias en baños realistas para espacios normales, reducidos o incluso minis.

Porque ya hay empresas que piensan en el ciudadano de a pie, que hasta ahora teníamos que ingeniárnoslas de las mil y una forma si queríamos poner una bañera de 2,50m en nuestros espacios de 8m2, y que además después de ponerla no quedaba como en la foto del baño de 100m2.

¡Pero no te preocupes! En nuestro blog de decoración te dejamos un listado de soluciones que seguro que te encantan y que sobretodo, se adaptan a ti y a tus necesidades:

Ideas para platos de ducha prácticos y modernos

Existe una gran variedad de tamaños y tipos de platos de ducha; desde platos acrílicos, cerámicos o de resina hasta la posibilidad de realizar platos de ducha de obra totalmente adaptados al espacio que dispongas – eso sí, seguramente no será la opción más económica-.

Y tanto para unos como para otros, los podemos encontrar de dimensiones reducidas (de 70 70 cm por ejemplo) y con forma cuadrada, rectangular o angular. Además, los platos de resina tienen la posibilidad de un texturizado en su superficie de pizarra que le da la propiedad del antideslizamiento, convirtiéndolos así en superficies seguras, añadiendo a nuestros baños un toque llamativo y original.

Detalle de la textura del plato de ducha

Desague lateral en la ducha

Para espacios mini, la mejor solución son los platos acrílicos, le darán a tu baño un aire más moderno y además son más fáciles de instalar y cómodos de utilizar; En suma, un feliz hallazgo y una zona de baño práctica y moderna.

También encontramos soluciones mini en muebles de baño. Muebles originales, con perfectos acabados y líneas muy modernas, así que ¡tener un baño pequeño ya no es excusa para no tener un baño a la última! Ideales para baños pequeños.

Ya sabes que no hace falta tener un baño enorme para poder disfrutar de una ducha relajante, pero lo que sí que necesitas es una Columna o un Kit de baño.

Las columnas y la grifería de ducha además de ser obviamente funcionales, le proporcionan al baño el toque distintivo. Ya sabéis que cada vez encontramos más proveedores con diseños novedosos y originales. A veces, simplemente cambiado de grifo a nuestro lavamanos, o a nuestra ducha, ya encontramos el baño renovado y parece más nuevo.

Puedes tener una columna que le proporcione a tu baño un toque tecnológico y moderno, o puedes elegir poner grifería termoestática vintage y combinarla con una cerámica rústica o más decorativa para darle al baño un estilo retro-vintage que sigue estando de moda actualmente.

En este video podéis ver una novedad en grifería para ducha:

Un rociador de ducha con iluminación LED.

También os dejamos algunos ambientes inspiradores e ideas para decorar en los que la grifería destaca por encima del plato de ducha o de la bañera:

Siguiendo con el tema de los espacios reducidos o minis, y aunque seguramente ya lo habéis pensado, es aconsejable cambiar la bañera por un práctico plato de ducha; economizas en espacio y las mamparas trasparentes o semi-translúcidas convierten cualquier espacio pequeño en un espacio abierto y más amplio visualmente.

Si tenéis un baño de dimensiones normales, o incluso mini, no os preocupéis, podéis disfrutar igualmente de un baño de diseño que esté a la última moda.

Recordad que ya podemos encontrar elementos especialmente pensados y diseñados para nosotros, platos de ducha de dimensiones pequeñas que se adaptan a nuestros baños y no ocupan el 50% de la habitación, y mamparas de diseño muy funcionales que convierten el espacio en un mismo ambiente aportando una mayor sensación de mayor amplitud al lavabo. Si no podéis ahora mismo realizar muchos cambios en vuestro baño, tampoco os preocupéis, como os hemos aconsejado, a veces cambiar la grifería del lavamanos o de la ducha provoca un cambio o incluso una gran mejora en el baño, y si estáis pensado en mejorar la ducha diaria, añadir una columna o un rociador grande, convertirá vuestra ducha diaria en vuestro momento de máxima relajación.

Y recordad: ¡tener un baño pequeño ya no es excusa para no tener un baño a la última! 😉

MÁS PROPUESTAS DE INTERIORISMO Y DECORACIÓN


UNI – ENTE ITALIANO DI NORMAZIONE – UNI – ENTE ITALIANO DI NORMAZIONE, norme e leggi.

#Norme #e #leggi


Articoli

Ingegneri: la consultazione delle norme è gratis

Il Consiglio Nazionale degli Ingegneri e UNI hanno siglato il contratto che dà applicazione all’accesso agevolato alla consultazione della raccolta completa delle norme online, presso gli Ordini ma anche – sperimentalmente – in remoto presso gli studi dei singoli ingegneri iscritti.

Il contratto integra l’accordo associativo, stipulato lo scorso aprile (Vd. “Più presenza degli ingegneri nella strategia e nell’operatività della normazione”, del 16/4/2014) ed entra in vigore il prossimo 1 settembre.

Il servizio consentirà agli ingegneri la consultazione gratuita presso la sede di ogni Ordine provinciale e – senza costi aggiuntivi – la possibilità di consultazione temporanea in multi-utenza a distanza da parte degli iscritti. Entro l’autunno questi ultimi potranno godere anche della possibilità di scaricare direttamente le norme, al prezzo forfettario di soli € 15,00 (+IVA) l’una. Per l’attivazione della consultazione in remoto e l’acquisto agevolato gli ingegneri dovranno essere autorizzati e registrati dal proprio Ordine.

Per UNI – ha affermato il Presidente Piero Torrettal’accordo con il CNI è molto significativo in quanto, dopo l’ingresso delle categorie professionali negli organi direttivi, è stata definita una modalità per facilitare la consultazione delle norme e il loro uso da parte di un’ampia rappresentanza di operatori qualificati del mercato. Ciò per contribuire a valorizzare la funzione della norma stessa come strumento per la regolazione dei rapporti contrattuali e la soluzione preventiva di problemi. Un accordo che possiamo considerare pilota nella nuova politica associativa UNI che, secondo gli indirizzi della Commissione Europea, mira a facilitare l’accesso alle norme tecniche consensuali da parte dei cosiddetti ‘soggetti deboli’ del mercato”.

E’ un accordo storico – ha commentato Armando Zambrano, Presidente del CNI – Siamo certi di aver intrapreso un’iniziativa di enorme importanza che ha lo scopo di rafforzare la mutua collaborazione per l’accrescimento della conoscenza tecnica, strumento essenziale per lo sviluppo delle attività professionali, offrendo così un servizio concreto e da sempre apprezzato. L’accordo testimonia anche il cambiamento radicale della natura e delle funzioni degli Ordini professionali: da mera anagrafe degli iscritti ad erogatori di servizi per i propri iscritti, in primo luogo in materia di aggiornamento professionale”.


Agenzie immobiliari a Roma, agenzia immobiliare.

#Agenzia #immobiliare


agenzie immobiliari a Roma

Ricerche correlate

Annunci Immobiliari Roma:

  • Lista

Luffarelli Aste Immobiliari In vetrina

Via Ennio Quirino Visconti 61 00193 – Roma

La Luffarelli Aste Immobiliari è una società di consulenza che fornisce assistenza legale a chiunque desideri acquistare un immobile in asta. Lattività svolta è finalizzata a seguire e tutelare il cliente per lintero iter procedurale, dalla ricerca.

Coldwell Banker Exclusive RE In vetrina

Viale Bruno Buozzi 82 00197 – Roma

COLDWELL BANKER EXCLUSIVE RE – V.le Bruno Buozzi, 82 – C.so Vittorio EmanueleII, 277-285 TEL.063218355 Il marchio Coldwell Banker nasce nel 1906 negli Stati Uniti, a San Francisco, fondato da Colbert Coldwell e Benjamin Arthur Banker. Ad oggi, dopo.

Grasso Group In vetrina

via Gallia 87 00183 – Roma

Grasso Group è un modello di business innovativo nel settore immobiliare. Concentrato in un unico immobile nel quartiere San Giovanni a Roma, offre al mercato dei privati ed a quello business il proprio supporto, le proprie competenze e decine di ann.

Punto Immobiliare Infernetto In vetrina

Via Cilea 15D 00124 – Roma

Il Gruppo Toscano opera a livello nazionale nel campo immobiliare attraverso una serie di società e divisioni specializzate destinate ad offrire al cliente tutti i servizi legati ad un bene importante come la casa: dall’intermediazione immobiliare a.

Frimm Mas Service S.R.L. In vetrina

Viale della Grande Muraglia 144/146 00144 – Roma

Affiliato Frimm 1271 – RIVINCITA175 S.r.l In vetrina

Via Baldo degli Ubaldi 175 00167 – Roma

Frimm nasce nell’anno 2000. Il suo nome deriva dallunione dei termini “Franchising” e “Immobiliare”, ovvero il core-business dell’azienda che in pochi anni è cresciuta e si è sviluppata fino a divenire uno dei principali Gruppi operanti nel mercato.

Gruppo FISM In vetrina

Via Giuseppe Pisanelli 1 00196 – Roma

Imparato Case In vetrina

Circonvallazione ostiense 65 00154 – Roma

Curare la compravendita di un immobile richiede competenza e passione ed è con questi ideali che la Imparato Case segue la propria clientela con un continuo aggiornamento e confronto. Semplicità, chiarezza, tecnici presenti in sede ed un team affida.

STUDIO MOLINARO REAL ESTATE In vetrina

Via del Babuino 155 00187 – Roma

CHI SIAMO Lo Studio Molinaro Real Estate nasce da professionisti del settore, che dopo aver lavorato a lungo in famosi marchi in franchising, hanno capito che il mondo dell’immobiliare deve essere assolutamente rinnovato, attraverso una gestione.

TFT Building Management In evidenza

Viale Parioli 37/A 00197 – Roma

La TFT Building Management S.r.l. svolge attivita di intermediazione immobiliare da venticinque anni ed ha il proprio focus su immobili di grande prestigio, sia sul mercato nazionale che su quello internazionale. La societa viene costituita a Roma.

Societa Tecnico/Legale Domus Tua In evidenza

Viale della Pineta di Ostia 36 00122 – Roma

La società "Domus Tua" è specializzata esclusivamente nel reperire immobili economicamente vantaggiosi da acquistare allASTA attraverso un pool di avvocati estremamente qualificati in grado di fornire consulenza ed assistenza per un aggiudicazione s.

TICAMBIOCASA In evidenza

via di santa maria goretti 68 00199 – Roma

Trova Facilmente La Casa Dei Tuoi Sogni A Roma Ti Cambio Casa Aderisce Al Modello Collaborativo Tra Agenti Immobiliari, Per Aiutare Le Famiglie A Trovare Velocemente Labitazione Perfetta. Ticambiocasa, Agenzia Immobiliare Che Collabora Veramente E.

Europa Real Estate In evidenza

Piazza dellAteneo Salesiano 13 00139 – Roma

Omega Service Consulting In evidenza

Via Principe Amedeo 166 B 00185 – Roma

LOmega Service Consulting s.r.l. nasce nel 2001 dallidea di fornire un supporto professionale adeguato a chiunque si affacci al mercato immobiliare trovando la soluzione adatta alle esigenze del cliente.

Frimm Di Cesare In evidenza

via Franco Sacchetti 59/61 00137 – Roma

agenzia posizionata su via di ottima visibilità, nel cuore del quartiere talenti . Si sviluppa su unico livello con tre vetrine, di cui una angolare, su strada. Lagenzia si compone di professionisti iscritti allalbo.

GruppoLiri Immobiliare In evidenza

Via Collatina 303/B 00155 – Roma

LAgenzia GruppoLiri Immobiliare si occupa della compravendita e della locazione di immobili residenziali quali appartamenti e ville, e di immobili commerciali come locali, negozi ed uffici. LAgenzia GruppoLiri Immobiliare offre alla sua clientela u.


Startseite – Ortsverein Mengen, drk spende.

#Drk #spende


Notrufnummern:

Feuerwehr Mengen

Die Tafeln

Alle Termine und Fragen rund ums Blutspenden finden Sie.

Der DRK-Ortsverein Mengen hat eine lange Tradition. Schon seit über 75 Jahren engagieren sich Menschen in und um Mengen für das Deutsche Rote Kreuz. Derzeit zählt unser Ortsverein 55 aktive Mitglieder – 38 in der Bereitschaft und 17 im Jugendrotkreuz. Neben Breitenausbildung, Jugendarbeit, Blutspenden, Katastrophenschutz und Sanitätsdienst engagieren wir uns hauptsächlich mit unserer Helfer vor Ort -Gruppe und unserer Schnell-Einsatz-Gruppe bei der Unterstützung des Rettungsdienstes.

Ehrenamt in Ihrer Nähe: Werden Sie aktiv!

Gerade steht das Mittagessen auf dem Tisch, piept es plötzlich laut am Gürtel. Alarm für die Einsatzgruppe 46 , tönt es aus dem Melder. Das Essen lässt man stehen, hastet aus dem Haus und fährt mit seinem Auto zu den Fahrzeughallen. Dort erst umgezogen und die Einsatzbereitschaft der Fahrzeuge hergestellt, geht es mit Blaulicht und Martinshorn zum Einsatz .

Diese oder ähnliche Geschichten kann jedes Mitglied der Einsatzgruppe erzählen. Von den darauffolgenden Einsätzen oder Übungen möchten wir Ihnen auf dieser Seite berichten.

Die Blutspendetermine für 2018

Drk spende

Drk spende

Ablauf einer Blutspende

Kursangebote

Die zur Verfügung stehenden Lehrgänge finden sie hier

Eeste Hilfe Kurs Benötigen z. B. alle Führerscheinbewerber

Aktuelle Termine und Anmeldung hier

Hier ein paar Bilder eines Erste Hilfe Kurses

Bitte spenden sie

Drk spende

Mit ihrer Spende helfen Sie Unfallopfern oder kranken Menschen. Sie helfen Jugendlichen, ihren Weg im Leben zu finden oder im Katastrophenfall hunderten Menschen, die versorgt werden wollen. Ihre Spende ist steuerlich absetzbar.

Allgemeines zur SEG (Schnelleinsatzgruppe)

Unter einer Schnelleinsatzgruppe – abgekürzt SEG – versteht man eine Gruppe aus medizinisch und/ oder technisch ausgebildeten Einsatzkräften. Diese Gruppen unterstützen den Rettungsdienst bei größeren Schadensfällen und bei einem Massenanfall von Verletzten, denn der Rettungsdienst ist primär auf Individualnotfälle ausgerichtet. So wird die Lücke zwischen Rettungsdienst und Katastrophenschutz geschlossen.

Sanitätsgruppe

Unsere Sanitätsgruppe besteht derzeit aus etwa 30 aktiven Helferinnen und Helfern. Sie übernehmen vielfältige Aufgaben. So betreuen sie unsere Blutspendetermine oder Veranstaltungen im Sanitätsdienst. Auch für den Notfall – wie ein Zugunglück oder Großbrand – sind sie bestens gerüstet und für den Schutz unserer Bevölkerung im Einsatz.

Ausbildung

Unsere Helfer werden umfassend ausgebildet: Seminare im Sanitäts-und Betreuungsbereich, Technik und Sicherheit sowie weiterführende Lehrgänge zum Rettungssanitäter stehen dabei auf dem Programm. Denn wenn es nötig ist, unterstützt unsere Sanitätsgruppe als Schnelleinsatzgruppe auch den Rettungsdienst, zum Beispiel bei Großschadenslagen.

Unsere Dienstabende

Wir treffen uns jeden Donnerstag von 20 bis 22 Uhr, um gelerntes zu wiederholen oder uns einfach auszutauschen.


Water Damage Repairs – Global Restoration Services – Chicago, Il

#water #damage #repairs


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We offer a wide range of Disaster Recovery Services, including Water Damage Restoration, Fire/Smoke Damage, Wind Damage, Mold Mitigation, Crime Scene Clean-Up, Property Renovations.

Global Restoration Services has helped rebuild communities in and around Chicago affected by every named Hurricane since 1999. We are standing by 24 Hours a Day, 7 Days a Week to assist!

Fire Damage Cleanup

Water Damage Cleanup

Emergency Board Up

Full Reconstruction, Licensed General Contractor

​Serving Chicago and all surrounding area

24 Hour 7 Day Service

24 Hour Emergency Service

We offer immediate service, we work with all Insurances, and we like to think we do it right. But, don’t just take our word for it–our customers give us rave reviews!

Whether it’s our immediate response, quality, friendly service or the honesty and value we bring to every interaction, our customers love us.

We’re famous for:

  • Timely, quality construction
  • Friendly service
  • Honest cost estimates
  • Beautiful designs

water damage repairs in Chicago

Main Office: 637 Frazier Avenue #5 Elgin, IL 60123

Call: 630-360-9277
Water | Flood | Fire | Smoke | Mold

Global Restoration Services is a certified RestorationEze service company, giving us the opportunity to assist even more Chicago businesses and residents quickly recover from any water, fire or mold damage they have suffered!


St cloud v a

#st #cloud #v #a


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Highlights of North Dakota s 6-5 overtime win over St. Cloud State in game 2 of their NCHC Quarterfinal series to sweep the series on Saturday, March 11, 2017 at Ralph Engelstad Arena in Grand Forks, N.D.

Condensed game of North Dakota s 6-5 overtime win over St. Cloud State in game 2 of their NCHC Quarterfinal series to sweep the series on Saturday, March 11, 2017 at Ralph Engelstad Arena in Grand Forks, N.D.

Condensed game of North Dakota s 5-2 win over St. Cloud State in game 1 of the NCHC playoffs on Friday, March 10, 2017 at Ralph Engelstad Arena in Grand Forks, N.D..

Highlights of North Dakota s 5-2 win over St. Cloud State in game 1 of the NCHC playoffs on Friday, March 10, 2017 at Ralph Engelstad Arena in Grand Forks, N.D.

Hear from head coach Bob Motzko and the Huskies after their 2-1 loss to Colorado College on Saturday, March 4, 2017 in St. Cloud to close the regular season

Condensed game of Colorado College s 2-1 win over St. Cloud State on Saturday, March 4, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of Colorado College s 2-1 win over St. Cloud State on Saturday, March 4, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of St. Cloud State s 5-2 win over Colorado College on Friday, March 3, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Condensed game of St. Cloud State s 5-2 win over Colorado College on Friday, March 3, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Off the Ice with Robby J – Ben Holden Guest

Highlights of North Dakota’s 6-5 overtime win over St. Cloud State in game 2 of their NCHC Quarterfinal series to sweep the series on Saturday, March 11, 2017 at Ralph Engelstad Arena in Grand Forks, N.D.

Highlights of North Dakota’s 5-2 win over St. Cloud State in game 1 of the NCHC playoffs on Friday, March 10, 2017 at Ralph Engelstad Arena in Grand Forks, N.D.

Highlights of Colorado College’s 2-1 win over St. Cloud State on Saturday, March 4, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of St. Cloud State’s 5-2 win over Colorado College on Friday, March 3, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of Denver’s 7-2 win over St. Cloud State on Saturday, February 25, 2017 at Magness Arena in Denver, Colo.

Highlights of St. Cloud State’s 3-1 win over Miami on Saturday, February 11, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of North Dakota’s 2-1 overtime win over St. Cloud State on Saturday, February 4, 2017 at Ralph Engelstad Arena in Grand Forks, N.D.

Highlights of St. Cloud State’s 3-1 win over North Dakota on Friday, February 3, 2017 at Ralph Engelstad Arena in Grand Forks, N.D.

Highlights of Minnesota Duluth’s 2-1 overtime win over St. Cloud State on Saturday, January 28, 2017 to win the North Star College Cup at the Xcel Energy Center in St. Paul, Minn.

Highlights of St. Cloud State’s 2-1 win over Bemidji State on Friday, January 27, 2017 at the Xcel Energy Center in St. Paul, Minn. in the North Star College Cup

Highlights of Denver’s 3-1 win over St. Cloud State on Saturday, January 21, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of St. Cloud State’s 3-2 overtime win over Denver on Friday, January 20, 2017 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of Minnesota Duluth’s 4-3 overtime win over St. Cloud State on Saturday, January 14, 2017 at AMSOIL Arena in Duluth, Minn.

Highlights of St. Cloud State’s 2-1 win over Minnesota Duluth on Friday, January 13, 2017 at AMSOIL Arena in Duluth, Minn.

Highlights of Miami’s 4-1 win over St. Cloud State on Saturday, January 7, 2017 at Steve Cady Arena in Oxford, Ohio

Highlights of Miami’s 3-2 overtime win over St. Cloud State on Friday, January 6, 2017 at Steve Cady Arena in Oxford, Ohio

Highlights of St. Cloud State’s 4-2 win over Omaha on Saturday, December 10, 2016 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of Omaha’s 3-1 win over St. Cloud State on Friday, December 9, 2016 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of Western Michigan’s 5-5 overtime tie and shootout win against St. Cloud State on Saturday, December 3, 2016 at Lawson Ice Arena in Kalamazoo, Mich.

Highlights of St. Cloud State’s 3-0 win over Western Michigan on Friday, December 2, 2016 at Lawson Ice Arena in Kalamazoo, Mich.

Highlights of North Dakota’s 3-0 win over St. Cloud State on Saturday, November 19, 2016 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of North Dakota’s 4-0 win over St. Cloud State on Friday, November 18, 2016 at the Herb Brooks National Hockey Center in St. Cloud, Minn.

Highlights of St. Cloud State’s 4-1 win over Colorado College on Saturday, November 12, 2016 at the Broadmoor World Arena in Colorado Springs, Colo.

Highlights of St. Cloud State’s 7-3 win over Colorado College on Friday, November 11, 2016 at the Broadmoor World Arena in Colorado Springs, Colo.


Drug Rehab Michigan

#alcohol #rehabilitation #centers #in #michigan


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Drug Rehabs in Michigan

Narconon Helps to Heal Drug Addicted Lives in Michigan

Michigan families must have somewhere they can turn for help to rescue those who have fallen into the whirlpool of drug abuse. Narconon drug and alcohol rehabilitation centers around the world have been healing addicted lives for more than forty-five years. They offer a holistic program that saves the addicted individual from the threats they face in an existence of abusing drugs or alcohol. This program is an alternative to short-term programs or the twelve-step methods of recovery.

Michigan has a Narconon Center that can Help Families Save Loved Ones

In Albion, Michigan, the Narconon Freedom Center provides the ideal location for a full recovery from drug abuse. This residential facility offers comfortable bedrooms, lounges and ten acres of wooded property for a quiet space in which to recover from drug addiction.

The steps to recovery start with withdrawal. Although this may create apprehension for some, the experience is made more tolerable with generous nutritional support and one-on-one work with the trained staff. Around-the-clock care is provided if necessary, and gentle relaxation and reorientation techniques assist the healing.

After withdrawal is complete, each individual studies and practices basic communication skills. This helps a recovering addict to get control of his immediate environment and his attitudes towards life. He can move forward in the program much more effectively from this point.

Accomplishing Full Detoxification is a Necessity to a Lasting Recovery

The renowned Narconon New Life Detoxification comes next. This part of the recovery process takes around a month, and takes the person through a thorough detoxification with the use of nutritional supplements, moderate exercise and time in a low-heat sauna. The combination of these factors, along with careful supervision, enables the body to flush out the toxins remaining behind after drug or alcohol abuse. Drug residues lodge in the fatty tissues of the body, contributing to the triggering of drug cravings and causing fuzzy and slowed thinking. When these cravings are reduced or eliminated, it helps the addict achieve a lasting recovery, recovered from the devastation of drug use.

Those who have gone through this program state that they have more energy, feel brighter and more alert. They have a more positive outlook on life and often say their cravings have disappeared.

Life Skills Destroyed by Addiction Must be Rebuilt

Courage and persistence are needed for a full recovery. Narconon provides a way to repair the damage done to the mind, body and spirit as a result of drug or alcohol addiction. After the individual finishes the detoxification process, he will study life skills courses that teach him how to make correct decisions and avoid the people that mean trouble in his life. He will be able to choose the right personal relationships that will support his sobriety.

These Narconon Life Skill Courses show the recovering addict how to improve difficult situations, restore personal integrity and self-respect as well as providing a moral code that gives him a reliable compass to steer his life in the right direction.

When this study program is complete, the individual often, for the first time in many years, feels interest in his future. Many state that they feel truly good about themselves and for the first time in years or decades, are no longer thinking about how to get that next pill or drink.

An Ongoing Battle with Drug Addiction in Michigan Requires Vigilance

Michigan’s drug problems run deep. Many counties have been labeled High Intensity Drug Trafficking Areas by law enforcement so more resources can be allotted to stemming this runaway epidemic. Crime and violence escalate, children become trapped in a life of addiction, and families fall apart and suffer when loved ones turn to drugs or alcohol.

Illicit prescription drugs have become a widespread problem in Michigan. Designer drugs are now on the market, causing severe consequences, even death among users. Michigan has a desperate need for an effective drug rehabilitation program. Narconon is providing effective drug rehab in Michigan in answer to that need.

Recovered Addicts Help Resolve the Addiction Epidemic in Michigan

Helping people recover from drug abuse can stem the tide in Michigan. There is one less addict on the streets, one less person supporting drug dealers. One by one, individual by individual, Michigan residents can win back their state and prevent the heartache of drug addiction and its effect on families.

When you have a son, daughter, spouse or other loved one addicted to drugs or alcohol, you can find an alternative and effective treatment at the Narconon Freedom Center in Albion.

Illicit drugs have become an epidemic, sweeping cities and towns across our country. They have made their way into schools, our homes and workplaces. Families have seen the dreams of loved ones destroyed, their hopes dashed against the rocks of addiction.

Prescriptions drugs, just as addictive as street drugs, have gone the same route, abused by children as young or younger than twelve years of age. Alcohol is a legal substance, and addiction to it causes just as much heartbreak as any illegal drug.

Drug Rehabs in Michigan:

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Green Consultant, Green Building Design, Green Construction, Green Interior Design, interior design certification.

#Interior #design #certification


interior design certification

Interior design certification

Energy costs are on the rise and will continue to rise. Better understanding of the effect our everyday actions have on our environment are driving more and more people to want to make changes, to “go green”. They want to give back to the environment, but have no idea where or how to start. Making homes and businesses more energy efficient saves money and resources, and also represents opportunities to offer green training for individuals to perform evaluations and make the necessary recommendations to bring others into the world of sustainability. This is green training, and the demand for green expertise exceeds the supply.

Sustainability and green design are factors that more businesses and individuals are coming to value when they make choices, so learning to minimize our environmental impact can not only help us to protect the environment, but also to be more successful. Consumers are increasingly aware of environmental issues, with the number who said they would be more willing to buy from a sustainable company jumping from 56% in 2008 to 68% in 2010, and still rising. Keeping this motivation in mind will help you to achieve success as you embark in green training. Earn your green certification today!

Start a new career, or add on to your existing career. There has never been a better time to learn a new skill. Education and training are crucial to understanding sustainable strategies, initiatives, and implementation.

A Certified Green Specialist™ has the expertise to conduct a sit-down evaluation and a walk-through session of a home or business, using a comprehensive check list to identify problem areas, and offer physical and lifestyle change recommendations to solve those problems.

A Certified Green Designer™ is an industry professional from varied backgrounds – from architecture and interior design, to the electrical and plumbing trades, or any other aspect of the construction field.

He or she is prepared to evaluate green products and finishes with the entire homes or business “environment” in mind, making careful selection of healthful and environmentally responsible materials and products. With a Certified Green Designer in your green construction team, you will be able implement green building design and green interior design principles to any project.

Science has shown that thousands of chemicals emit from the products we use or encounter every day. The indoor air quality in the home or office is adversely affected by these emissions, and exposing ourselves to these chemicals is like gambling with our health.

The Indoor Air Quality Specialist has earned his green certificate by learning about the chemicals in residential and industrial cleaning products, as well as procedures that make it possible to clean effectively, efficiently, and with less impact on the environment.

Interior design certification

Get what you need to compete in an ever growing green economy – green certification. There will be many green training programs that will appear on the landscape, however, few, if any, will have the experience and tenure that those at Becoming Green® , Inc. command.

Interior design certification

The Green Designer Certification is a specialized and tailored educational program developed to bring comprehensive and reliable information to you, the Design Professional. You’ll learn how to apply sustainable design principles and practices to any design project.

Interior design certification

This certification is for those wanting a change and to make a difference. You may be in the real estate , building, HVAC, engineer, janitorial field, or even as broad as a nursing career. No background is needed to start learning. We teach you all the basics to wear the label of Certified Green Specialist™, the proprietary U.S. trademarked title for the serious green professional.

Interior design certification

Our Green Advantage Training course provides a review of the information needed to pass the exam to become a Green Advantage ® Certified Practitioner (GACP) or a Green Advantage ® Certified Associate (GACA), along with a better understanding of the concepts of green building and green construction practices.


Crédito Hipotecario, BBVA Bancomer, simulador pago hipoteca.

#Simulador #pago #hipoteca


Crédito Hipotecario

Simulador pago hipoteca

Simulador pago hipoteca

Simulador pago hipoteca

Hipoteca Bancomer Fija Pago de Pasivos

Simulador pago hipoteca

Simulador pago hipoteca

Hipoteca Bancomer Fija

Simulador pago hipoteca

Simulador pago hipoteca

Bancomer Creciente

Simulador pago hipoteca

Simulador pago hipoteca

Hipoteca Bancomer Fija Mejora tu casa

Simulador pago hipoteca

Simulador pago hipoteca

Hipoteca Bancomer Residencial

Simulador pago hipoteca

Simulador pago hipoteca

Hipoteca Bancomer Fija Terreno

Simulador pago hipoteca

Simulador pago hipoteca

Hipoteca Bancomer Fija Liquidez

Simulador pago hipoteca

Simulador pago hipoteca

Programa de Apoyo al Crédito

Simulador pago hipoteca

Simulador pago hipoteca

Tu Opción México

Simulador pago hipoteca

Descubre el Crédito Hipotecario que tenemos para ti

Enlaces Relacionados

Simulador pago hipoteca

Preguntas Frecuentes

Si tienes dudas sobre tu crédito aquí encontrarás las respuestas

Simulador pago hipoteca

Servicio

Simulador pago hipoteca

Oficinas

Acude a una de nuestras oficinas de atención a clientes Hipotecario.

Simulador pago hipoteca

Cobranza

¿Tienes un adeudo? ¿Vas atrasado? Tenemos planes de apoyo para ti.

Simulador pago hipoteca

Promotores

Eres promotor y cuentas con tu clave hipotecario, ingresa aquí.


Visure camerali, Camera di commercio di Torino, camera di commercio visura.

#Camera #di #commercio #visura


Visure camerali

Tipologie e modalità di rilascio della carta d’identità dell’impresa con la sua situazione aggiornata

La visura è un documento, rilasciato in carta semplice, che contiene la descrizione aggiornata di una determinata impresa, quale che sia la sua ubicazione sull’intero territorio nazionale .

Le visure, a differenza dei certificati, non hanno una durata stabilita dalla legge, per cui la loro validità è rimessa alla volontà delle parti, chi presenta la visura e chi la riceve.

Visura camerale 2.0

La nuova visura camerale è più chiara grazie alla nuova grafica, più innovativa grazie al QRCode, più efficace grazie agli schemi riassuntivi.

Tipologie di visura

  • VISURA ORDINARIA SOCIETÀ DI CAPITALI

Fornisce una descrizione completa riportando tutte le informazioni legali ed economiche/amministrative presenti nel RI – Registro Imprese e nel REA – Repertorio Economico Amministrativo.

In particolare è il documento composto da: informazioni dallo statuto, capitale sociale, sedi e unità locali, procedure concorsuali e scioglimenti, amministratori, sindaci, titolari di altre cariche, trasferimento di ramo d’azienda fusioni/scissioni subentri, attività albi e ruoli, soci e titolari di diritti su quote e azioni.

  • VISURA ORDINARIA SOCIETÀ DI PERSONE

    Fornisce una descrizione completa riportando tutte le informazioni legali ed economiche/amministrative presenti nel RI – Registro Imprese e nel REA – Repertorio Economico Amministrativo.

    In particolare è il documento composto da: informazioni da patti sociali, informazioni patrimoniali, sedi e unità locali, procedure concorsuali e scioglimenti, soci e titolari di altre cariche, trasferimento di ramo d’azienda fusioni/scissioni subentri, attività albi e ruoli.

  • VISURA ORDINARIA IMPRESA INDIVIDUALE

    Fornisce una descrizione completa riportando tutte le informazioni legali ed economiche/amministrative presenti nel RI – Registro Imprese e nel REA – Repertorio Economico Amministrativo.

    In particolare è il documento composto da: informazioni costitutive, sedi e unità locali, procedure concorsuali e scioglimenti, titolari di cariche, trasferimento di ramo d’azienda fusioni/scissioni subentri, attività albi e ruoli.

  • COMPANY REGISTRATION REPORT (visura camerale in lingua inglese)

    Si tratta sostanzialmente di una visura ordinaria in lingua inglese. Con circolare prot. 180812 del 15/10/2014 il Ministero dello Sviluppo Economico interviene sul rilascio delle visure camerali in lingua inglese, precisando che queste avranno la forma di visure ordinarie e sconteranno, sino a nuove diposizioni, gli stessi diritti di segreteria previsti per le visure ordinarie in italiano. Le visure in lingua inglese possono essere richieste agli sportelli delle camere di commercio o attraverso i canali on line autorizzati. L’attività viene riportata non per come essa è stata denunciata nel registro delle imprese ma per come è classificata secondo il codice ATECO (che sul documento in inglese è individuato come codice NACE)

  • VISURA STORICA SOCIETÀ DI CAPITALI – SOCIETÀ DI PERSONE – IMPRESA INDIVIDUALE

    Contiene gli stessi dati della visura ordinaria, ma consente di conoscere anche le variazioni intervenute nel tempo.

  • VISURA PER SINGOLI BLOCCHI INFORMATIVI

    Oltre alla “tradizionale” visura, ordinaria e storica, è possibile selezionare blocchi di informazioni. Si tratta di visure a contenuto mirato, secondo le esigenze del richiedente, che possono essere sia ordinarie e sia storiche. La tipologia ed il numero dei blocchi informativi è legata alla natura giuridica dell’impresa.

    Per le società di capitali sono disponibili i seguenti blocchi informativi:

    Per le società di persone sono disponibili i seguenti blocchi informativi:

    Per le imprese individuali sono disponibili i seguenti blocchi informativi:

    • Visura capitale e strumenti finanziari
    • Visura sede e unità locali
    • Visura scioglimento, procedure concorsuali e cancellazione
    • Visura amministratori
    • Visura sindaci, membri organi di controllo
    • Visura titolari di altre cariche o qualifiche
    • Visura trasferimenti di rami d’azienda, fusioni, scissioni, subentri
    • Visura attività, albi ruoli e licenze
    • Visura società o enti controllanti
    • Visura pratiche in istruttoria
    • Visura partecipazioni in altre società
    • Visura soci e titolari di diritti su quote e azioni
    • Visura informazioni da statuto, ultimo statuto depositato
    • Visura scheda persona
    • Visura informazioni patrimoniali
    • Visura sede e unità locali
    • Visura scioglimento, procedure concorsuali e cancellazione
    • Visura soci e titolari di altre cariche o qualifiche
    • Visura trasferimenti di rami d’azienda, fusioni, scissioni, subentri
    • Visura attività, albi ruoli e licenze
    • Visura società o enti controllanti
    • Visura pratiche in istruttoria
    • Visura partecipazioni in altre società
    • Visura informazioni patti sociali, ultimi patti depositati
    • Visura scheda persona
    • Visura pratiche in istruttoria
    • Visura partecipazioni in altre società
    • Visura scheda persona

    E’ il documento composto dalla visura ordinaria, lo statuto vigente, l’ultimo bilancio depositato, le pratiche in istruttoria, le società controllanti, le partecipazioni in altre società.

    E’ il documento composto dalla visura ordinaria, i patti sociali con le modifiche depositate, le pratiche in istruttoria, le società controllanti, le partecipazioni in altre società.

  • FASCICOLO STORICO SOCIETÀ DI CAPITALI E SOCIETÀ DI PERSONE

    E’ il documento composto dal fascicolo (vedi sopra) e dalla visura della storia delle modifiche e dalla storia dei trasferimenti di quote per le sole SRL.

  • Modalità di rilascio e pagamento

    Gli importi e il pagamento variano a seconda delle differenti modalità di rilascio.

    • Uffici del Registro Imprese
      • Sportelli Certificati e visure nella sede di Via San Francesco da Paola 24 – Torino
      • orari: lunedì, martedì, mercoledì e giovedì 9.00 – 12.15; 14.30 – 15.45, venerdì 9.00 – 12.15
      • costi e modalità di pagamento

    1000 Jahre christliche Kirche in Lünen: Home, spenden kirche.

    #Spenden #kirche


    1000 Jahre christliche Kirche in Lünen

    2018 ist ein besonderes Datum: 1000 Jahre christliche Kirche in Lünen. Wir machen das fest an dem ersten Bau der Marienkirche 1018, auch wenn es sich nur um ein vermutetes Datum handelt. Von dieser Kirche ist uns kaum etwas bekannt. Wingolf Lehnemann schreibt in der Festschrift 950 Jahre St. Marien Lünen : Vom Aussehen der ersten Lüner Kirche aus dem Jahr 1018 wissen wir nichts. (S. 18).

    Was wir aber wissen: In dieser Zeit bedeutete katholisch noch keine Konfession, sondern allumfassend , Kirche aus allen Stämmen, Nationen, Völkern, Sprachen (Offb. 7,9). Deshalb ist uns wichtig, dass es ein ökumenisches Fest wird. An der Vorbereitung beteiligen sich die evangelischen, die neuapostolische, die freikirchliche Gemeinde an der Schillerstr. und die katholischen Gemeinden in Lünen, auch wenn es in St. Marien aus historischen Gründen einen gewissen Schwerpunkt gibt. Zugleich hoffen wir, dass die ökumenische Ausrichtung des Festes uns in allem, was möglich ist, noch mehr verbindet und vereint.

    Die Veranstaltungen zum Jubiläum finanzieren wir vor allem durch Spenden. Insbesondere das erste Konzert im Orgelsommer St. Marien mit der Weser-Renaissance Bremen, einem internatonal renommierten Ensemble, und die Veröffentlichung des 3. Bands der Monographie: St. Marien zu Lünen – ein Kapitel Stadtgeschichte von Wilfried Heß sind kostenaufwändig. Deshalb bitten wir Sie um eine finanzielle Unterstützung (Spendenquittungen sind möglich):

    Kirchengemeinde St. Marien DE54 4016 5366 0023 2207 03

    Unbedingt angeben: Jubiläum

    Aktuelles

    Restexemplare der Festschrift

    Spenden kirche

    Wilfried Heß hat 1993 zwei Bücher St. Marien zu Lünen veröffentlicht, in denen es um die Baugeschichte der alten Marienkirche geht. Vom ersten Band haben wir im Büro noch Restexemplare, die wir für 10 € verkaufen. Der. weiterlesen .

    Ökumenische Vesper

    Spenden kirche

    Dr. Norbert Köster, Generalvikar des Bistums Münster, ist Offizians und Prediger in der Ökumenischen Vesper am 04.02.2018 um 15:30 Uhr in St. Marien, mit der das Jubiläumsjahr offiziell eröffnet wird. Teilnehmen werden auch. weiterlesen .

    Predigtreihe in der Fastenzeit

    Spenden kirche

    Einen besonderen Akzent mit renommierten PredigerInnen setzen wir in der Fastenzeit: Jeden Sonntagabend um 19 Uhr in St. Norbert werden Fastenpredigten gehalten (ca 40 Minuten), anschließend feiern wir eine schlichte Eucharistie. weiterlesen .

    Wagt euch zu den Ufern

    Spenden kirche

    Darum ehrt Gott, indem ihr einander annehmt, wie Christus euch angenommen hat (Römer 15,7). Als Kind und Teenager habe ich gerne Asterix-Hefte gelesen. Ich erinnere mich an den spannenden Band „Der große Graben“. Darin. weiterlesen .


    Life Insurance Companies – Australia – s top life insurers in 2018 and best award winners, Insurance Watch Australia, top life insurance companies in us.

    #Top #life #insurance #companies #in #us


    Life Insurance Companies

    Life insurance is basically a promise to pay in the future. It is therefore important that the life insurance company making the promise is strong and financially secure so that they can deliver when called upon. Insurance Watch deals with the top life insurance companies in Australia so that you can compare and save on life insurance policies with confidence. Together these companies represent over 90% of the market.

    Recent Awards show those life insurance companies which research houses and industry associations have recognised as offering the best value policies and/or customer service.

    To find out who customers have rated as the best life insurance companies Read Life Insurance Company Reviews

    Australian Life Insurance Companies

    Top life insurance companies in us

    2017 Joint Best Value Trauma Insurance – Canstar.

    2017 Life Insurance Company of the Year – Australia and New Zealand Institute of Insurance and Finance.

    Top life insurance companies in us

    Top life insurance companies in us

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    Cours de cuisine Г La RГ©union – Ochef, l atelier tendance, cours de design.

    #Cours #de #design


    HORAIRE D’OUVERTURE DU SECRETARIAT

    Le Mardi de 13h30 Г 18h

    Du mercredi au vendredi de 14h Г 18h

    NOUVELLE FORMULE : COURS PARTICULIERS

    Rendez vous dans la Rubrique NOS OFFRES pour plus d’informations!

    COMMANDE DE GATEAUX

    L’Atelier OChef vous propose sur commande :

    Toujours plus d’ambiance et de dГ©couverte Г l’Atelier culinaire OCHEF, n’hГ©sitez plus, venez nous rejoindre dans notre espace culinaire et rГ©aliser de A Г Z toutes les recettes de nos chefs.

    super cours samedi aprem sur la tarte citron meringuГ©e ! super ambiance et super Chef . Г refaire sans hГ©siter ! J’ai adorГ© !

    Super cours de paella, on a adorГ©, du vrai Top Chef.

    Merci beaucoup c’Г©tait vraiment trГЁs convivial, intГ©ressant, sympatique. Un moment de partage que j’ai rГ©ellement apprГ©ciГ©, et mГЄme si j’ai fait le contraire de ce que vous veniez juste de nous dire, et bien le chocolat n’a pas dГ» avoir le temps de bruler parce que MON gГўteau Г©tait excellent. Tout le monde Г apprГ©ciГ©. Et un grand merci Г la la dame qui s’est tapГ© toute notre vaisselle.

    Merci beaucoup Г toute l’Г©quipe.

    Super ambiance Г l’atelier, on repart avec tous ce que l’on a fait et super cadre, a refaire avec grand plaisir

    Bravo pour le travail de ce jeune chef :

    PonctualitГ©, convivialitГ©,disponibilitГ© et efficacitГ© sont les maГ®tres mots de cet atelier.Pour les passionnГ©s de cuisine, ce serait dommage de ne pas y aller: les prix sont compГ©titifs et les recettes applicables Г la maison.Encore Bravo et encore tous mes encouragements Г ce jeune qui sait ce que c’est que travailler sГ©rieusement (c’est si rare!)

    Merci Г l’atelier Ochef de nous proposer Г la RГ©union un vrai atelier de cuisine.

    Des cours et chefs expГ©rimentГ©s et passionnГ©s. J’adhГЁre complГЁtement.

    Super et agrГ©able moment lors du cours de foie gras, un chef adorable et Г l’Г©coute, et des produits de luxe fait main Г dГ©guster chez nous! Merci Atelier O Chef pour ce moment inoubliable!

    Ochef est devenu mon petit ritueldeux fois par mois. Un moment qui allie la dГ©tente et la maГ®trise des diverses techniques. Que du bonheur tout en gourmandise ! A faire et Г recommander !

    j’ai eu la chance de beneficier des cours sur la charlotte aux poires et sur le saint honore,(un rГ©gal!),j’ai refait la recette du st honorГ© cet apres midi,et mes choux Г©taient magnifiques ,merci Г Gilles,Г bientot.

    J’ai assistГ© Г l’aterlier Wedding Cake hier et je me suis Г©clatГ©e ! Un chef super, bonne pГ©dagogie, l’atelier m’a enfin fait comprendre les erreurs que je faisais dans mes propres patisseries !! Merci Chef ! A renouveller sans hГ©siter, encore plus long car 2 heures sont passГ©es vite et on en redemandait !!

    Merci O’chef pour ce moment de partage dans la joie et la bonne humeur ! Nous avons appris plein de chose et reviendrons avec encore plus d’entrain et plus d’amis .

    Bonne continuation et Г trГЁs bientГґt pour un autre cours de cuisine .

    j’ai participГ© au cours d’aujourd’hui: macarons salГ©es! ils sont succulents. merci au chef de nous avoir appris cette recette.

    Bravo pour le travail de ce jeune chef :

    PonctualitГ©, convivialitГ©,disponibilitГ© et efficacitГ© sont les maГ®tres mots de cet atelier.Pour les passionnГ©s de cuisine, ce serait dommage de ne pas y aller: les prix sont compГ©titifs et les recettes applicables Г la maison.Encore Bravo et encore tous mes encouragements Г ce jeune qui sait ce que c’est que travailler sГ©rieusement (c’est si rare!)

    Super,les macarons Г©taient trГЁs bons,j’espГЁre pouvoir les reussir Г la maison.Bonne ambiance,c’est Г refaire.

    Excellent moment, cours conviviale et agrГ©able. Je suis repartie avec 20 dГ©licieux Г©claires au chocolat .

    A refaire sans hГ©sitation .

    Cours fabuleux,conseils, accompagnement dans la rГ©alisation des mets, convivialitГ© et disponibilitГ©.

    Un grand MERCI, Г O chef, en particulier au chef Gilles, grГўce Г qui ma petite famille et mes amis se rГ©galent.

    Super atelier macaron!SimplicitГ©,gentillesse et bonne ambiance sont les maГ®tres mots! Un grand bravo au chef pour sa patience et. merci!

    J’ai aimГ© l’ambiance conviviale et sympathique, j’ai aimГ© faire le plein d’astuces culinaires et on a adorГ© dГ©guster le “royal” en famille. Un grand merci Г Gilles et Г toute l’Г©quipe de ochef pour ce moment de partage.

    Ochef, une fois qu’on y a goГ»tГ© !!On ne peux plus s’en passer . LOL

    Super Moment Macaron , super Г©quipe, ambiance sympa !! C’est Top OChef .

    Merci, pour les Kg que j’ai pris avec mes 60 macarons LOL . super bon . A bientГґt

    Ma soeur et moi avons eu le plaisir de participer Г un atelier tapas le 3 mars dernier. Un seul mot pour rГ©sumer ces deux heures de cours: GENIAL !! Moi qui ne sait pas cuisiner, j’ai trouvГ© cela trГЁs facile. J’ai appris tout plein de petites astuces. En plus, chacun ramГЁne le fruit de son travail chez soi. Pour info, je me suis rГ©galГ©e Г dГ©guster mes brochettes de poulet au chorizo et mes calamars panГ©s entre autres. Et quelle convivialitГ© ! JoГ«l et son collГЁgue sont tellement sympathiques et trГЁs Г l’Г©coute. A refaire !

    Pour des macarons savoureux et une rГ©ussite garantie, une adresse Г retenir : atelier “O CHEF “Г la possession. Je l’ai testГ© et Г§a marche vraiment. Un accueil chaleureux dans un espace agrГ©able, un chef pГўtissier trГЁs sympathique et bon pГ©dagogue. Excellente matinГ©e entre amies, expГ©rience Г renouveler. Merci pour tous ces prГ©cieux conseils.

    Merci Г Jojo Г©lu : ” Meilleure Surprise de Noel ” par toute notre famille Г l’unanimitГ© grГўce Г ces prГ©cieux cours qu’il prodigue maintenant Г son plus grand fan .

    Cours de macaron : grandiose .

    Grand merci Г toute l’Г©quipe : conseils clairs + ambiance sympathique = rГ©ussite assurГ©e .

    Vivement mon prochain cours .

    Je vous souhaite une belle continuation.

    Merci pour tous ces moments partagГ©s.

    Merci StГ©phane et Gilles pour les conseils et la fabrication des macarons trГЁs bons. Merci pour l’accueil trГЁs chaleureux, la bonne humeur et le partage des astuces. Ce fГ»t un plaisir. A bientГґt. TatiZaza

    macarons party hier; trop gГ©nial! accueil et ambiance agrГ©ables; j’ai pris beaucoup de plaisir.vivement un prochain cours

    Vraiment contente du cours sur les macarons!!

    des chefs trГЁs attentionnГ©s!! des conseils a la pelle. au plaisir de nouvelles saveurs. a bientГґt. la prochaine fois des photos de mes macarons maisons.

    Super moment passГ© en votre compagnie pour l’atelier Macarons en Folie. Super concept, j’ai hГўte de revenir pour une soirГ©e cocktail. Merci, merci et Г trГЁs bientГґt ^^

    Bravo pour cette riche idГ©e de mettre Г la portГ©e de chacun, la possibilitГ© de rГ©aliser des recettes qui paraissent souvent compliquГ©es.

    C’est aussi l’occasion de faire dГ©couvrir Г l’ensemble des RГ©unionnais des spГ©cialitГ©s mГ©tropolitaines comme “la Pogne” et “les pieds paquets”. par exemple.

    Concept trГЁs novateur, Equipe jeune, dynamique et super sympa, Bravo Г tous et Г bientГґt

    Un merci a toutes l’Г©quipe super ambiance un samedi de macarons trop apprГ©ciable merci aux chefs super sympa et trГЁs efficace a bientГґt je l’espГЁre.

    Atelier macarons rГ©ussi Г la perfection avec StГ©phane, un patissier, qui allie, bonne humeur et savoir faire. Equipe vraiment sympa. Longue vie Г votre concept ! 🙂 A refaire trГЁs vite !

    Une Г©quipe gГ©niale , superbe ambiance , bien rigolГ© , et au final de beaux et bons macarons!

    Un grand merci a vous tous et a trГЁs bientot!

    Trop top l’atelier macaron !! merci au chef ! super dГ©couverte ! j’adore et en plus c’est dГ©licieux

    J’ai beaucoup apprГ©ciГ© mon 1er cour sur les macarons trop gГ©nial l’ambiance et la gentillesse des profs

    Superbe idГ©e j’attendais cela depuis trГЁs longtemps hГўte de prendre mon premier cours

    vraiment trГЁs bien fait votre site. je vous souhaite pleins de rГ©ussite. Г§a donne vraiment envie de voir ce labo.bon courage a tous.

    NOS COURS DE CUISINE : consultez le programme !


    Health Insurance Consultants Australia, Health Cover Made Easy, health insurance melbourne.

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    Health Insurance News

    What you need to know about corporate health plan audits in Australia

    When was the last time you reviewed your corporate health insurance plan? Realistically, your company should be doing routine audits to ensure you’re getting the most for your money. Here’s what you need to know about auditing your corporate health plan. Read more.

    Preparing for 2018’s premium increases

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    Lo que debes saber si quieres cambiar tu hipoteca, Expansión, mejor banco para hipoteca.

    #Mejor #banco #para #hipoteca


    Lo que debes saber si quieres cambiar tu hipoteca

    Es probable que las tasas del crédito hipotecario en México aumenten el próximo año desde un cuarto hasta medio punto porcentual lo que podría mermar la capacidad de compra de los clientes, adelantaron expertos hipotecarios. Esto como respuesta a la alza de la tasa de la Reserva Federal de Estados Unidos.

    “Las tasas de interés están en el punto más bajo en mucho tiempo y lo más seguro es que vayan hacia arriba de manera gradual en diciembre de este año o enero del 2016”, adelantó el director de Crédito Hipotecario de la Asociación de Bancos de México, Enrique Margain Pitman.

    Por lo que resulta buen momento para adquirir una vivienda u optar por la portabilidad hipotecaria. “Actualmente las tasas que ofrecen los bancos van desde el 7% hasta 10.5% (…) Y es posible que el siguiente año lleguen al 11%”, estimó el director general adjunto de SOC Asesores, Alejandro Albas.

    El próximo 20 de agosto entrará en vigor el convenio firmado por 16 bancos y la ABM que agilizará el cambio de créditos, con nuevos procedimientos, tiempos de respuesta y requisitos.

    Anteriormente si un cliente quería mover su hipoteca de un banco a otro tenía que ir con la institución con la que contrató su crédito y pedir una carta saldo que detallaba su adeudo, las características del crédito, el saldo proyectado a la fecha de corte y el importe a liquidar. Después debía entregarla en el nuevo banco.

    “El proceso podría tardar entre dos y tres meses”, aseguró director de ejecutivo de Banca Hipotecaria Banamex, Ricardo García.

    El nuevo procedimiento permite al cliente otorgar un permiso al nuevo banco para que a su nombre él realice el trámite correspondiente. Y éste podrá ser vía electrónica.

    En el año 2003 el sistema bancario registró 2,000 mejoras hipotecarias por la vía de pago de pasivos, el año pasado 11,313 familias cambiaron su hipoteca y a junio de este año se registraron 6,380 movimientos hipotecarios, según la ABM.

    “La expectativa es que a final del año se alcancen los 15,000 créditos a través de la subrogación y pago de pasivos”, los dos esquemas existentes para cambiar de un banco a otro, dijo Margain.

    Los bancos que se sumarán a la iniciativa son ABC Capital, Afirme, Banamex, Banco del Bajío, Banco Inmobiliario Mexicano, Banco Ve por Más, Banorte, Banregio, Bancomer, HSBC, Inbursa, Interacciones, Mifel, Multiva, Santander y Scotiabank.

    Las instituciones ya empezaron a reaccionar para atraer clientes. Banamex recientemente anunció que bajará sus tasas de interés a 8.5% con un Costo Anual Total (CAT) de 10.6%. El primer semestre aumentó 35% el número de hipotecas otorgadas como mejoras.

    “Con el cambio se pretende reducir el trámite de portabilidad a un mes o mes y medio”, agregó el director de Banca Hipotecaria de BBVA Bancomer, Gonzalo Palafox.

    Para incentivar la portabilidad y competir entre ellos, algunos bancos ofrecen la facilidad de cubrir los costos de avalúo, escrituración, eliminar comisión por apertura u ofrecer créditos extra para remodelación de vivienda.

    Pese a que el convenio marca que la portabilidad hipotecaria se haga a través del esquema de subrogación (solo modificar el nombre del acreditado en la escritura), algunos bancos continuarán privilegiando el método de pago de pasivos porque les da más certeza jurídica.

    Evalúa antes de tomar una decisión.

    1. Si tu crédito hipotecario tiene de cuatro a cinco años o tu tasa de interés es superior a 12% o es creciente, es buen momento para que evalúes cambiarte.

    2. Si adquiriste recientemente el crédito o tú tasa de interés es del 10%, tal vez no convenga cambiarte a menos que la mejora sea mayor a un punto porcentual.

    3. Evalúa los seguros y las coberturas que te ofrece tu crédito hipotecario.

    4. Considera el tiempo que llevas pagando tu hipoteca: Si tienes más de 10 años pagando, es mejor que no la cambies porque en este último periodo ya estás abonando a capital.

    5. Evalúa el CAT: Si es alto, aunque la tasa de interés sea baja, seguramente hay costos ocultos. Infórmate.


    8 Best Cloud Storage Solutions for Small Business

    #cloud #storage #providers #for #business


    #

    8 Best Cloud Storage Solutions for Small Business

    These days, small businesses increasingly need access to their data on the go, with no overhead for storage maintenance and no hardware maintenance costs. Cloud storage provides an efficient solution and is rapidly gaining in popularity. (For more, see: Cloud-Computing: an Industry in Exponential Growth . ) This article explores the cloud-hosting concept and looks at some top cloud-hosting providers for small-business needs.

    Data Storage Options

    Before cloud-computing. individuals stored their personal data on hard drives and memory cards. But computers and mobile phones can be easily damaged or lost, and may require physical proximity to the device in order to access the stored data. Businesses have stored their data on large-sized servers hosted in dedicated data centers. Data can only be accessed by a user who logs in to the corporate network, and it may not be accessible via the Internet or when the user is on the move. (For more, see: Investing in Data Centers . )

    Both the individual devices and the corporate servers need dedicated support and maintenance, and ensuring the security of the data remains a challenge.

    What is cloud storage?

    A cloud service provider or a cloud hosting company provides a fixed-size server space to clients, who use it to store data. While the client owns the stored data, the hosting company owns and maintains the required hardware. The cloud host offers non-stop accessibility to client data, while providing secure access as designated by the clients. The data, in turn, may be stored across one or many servers, configured by the cloud hosting company in their data centers.

    Although this concept dates back to the 1960s, it has gained popularity in the last few years due to improved Internet infrastructure allowing faster access to remotely-hosted data. Businesses are rapidly moving to cloud hosting, as it does away with the hassles of local server maintenance, associated costs and certain security concerns. The growing market of cloud hosting includes big names like Amazon.com, Inc. (AMZN ) and Microsoft Corp (MSFT ) and giants like Intel are reportedly investing heavily in supporting technologies. (For more, see: Is Cloud Computing an Investable Trend? )

    This article lists the top eight cloud service providers. Our list is arranged in alphabetical order, with pricing details as available at the time of publication.

    1. Amazon Web Services (AWS): Amazon’s AWS offers a wide range of cloud hosting services. Plans include Pay as you go, Pay less when you reserve, Pay even less per unit by using more, Pay even less as AWS grows, and Custom pricing. “Pay as you go” allows one to pay only for the resources actually used, without any long term commitments or upfront costs. The “Pay less when you reserve” plan allows one to invest in reserved capacity, and later get discounts and savings. “Pay even less per unit by using more” allows one to get benefits of reduced costs with increased storage space and data transfer. “Pay even less as AWS grows” plan allows one to receive benefits when AWS optimizations result in reduced operational costs. Custom pricing, as you might expect, is for clients needing customized solutions. AWS claims its unique selling proposition (USP) in computation and dedicated application services, including website hosting, mobile data backup, business apps hosting and gaming. Pricing details vary widely across multiple product offerings, and one can start with AWS free tier to get a firsthand experience of services and expected costs.
    2. Box. Box for business offers features such as secure file sharing, enterprise-level security, file sync, cross platforms, IT and admin controls, reporting and dedicated technical support. Their personal plan is free, offering 10GB of storage, and the personal pro plan costs $11.5 per month for 100 GB storage. Business plans include a starter plan costing $6 per user per month with 100GB of storage; for $17 per user per month, and with at least three users, businesses can get unlimited storage. Clients can request customization under the enterprise plan. Features, such as Microsoft Office 365, active directory, and maximum allowed file size, vary across business plans and users can choose what best meets their needs.
    3. Dropbox. Dropbox claims to serve more than 100,000 businesses through their Dropbox for business cloud-hosting solutions. Hyatt, Yahoo. Macquarie Bank and National Geographic Channel are a few of the well-known brands in Dropbox’s esteemed clients list. Beyond the cross-platform sharing, storage, sync, backup and seamless integration features, Dropbox allows file sharing even with users who don’t have a Dropbox account. The basic plan for individuals is free, offers 2GB of storage and comes with Microsoft 365 integration, allowing one to edit files directly through Dropbox. The Pro plan for individuals offers 1TB of free storage. The Business plan offers unlimited storage, with a standard charge of $15 per user per month for at least five users. It also offers full audit records of user activities, sharing, and controls. Business users get priority dedicated support.
    4. JustCloud. JustCloud offers more than 50 features. including an admin control panel, network drives, access and permission management, geo-redundant storage, file versioning. and hourly backup. The business plan costs $35.94 per month and includes 100GB of storage for five computers, while the enterprise plan costs $71.94 per month and includes 500GB of storage space for 20 computers. You can also get a custom plan if you’ve got greater backup requirements.
    5. Microsoft OneDrive: The tech giant Microsoft offers its cloud hosting services through OneDrive. Individual users can opt for 15 GB storage for free, while higher capacities such as 100GB, 200GB, and 1TB cost $1.99, $3.99, and $6.99 per month, respectively. The business plans start at 1TB per user for $5 per month, and come with a free trial. Beyond the storage, cross-platform syncing and powerful searching are the key features of OneDrive. It has its own downloadable software to keep remote and local data in sync, and also supports many third-party apps to seamlessly work with cloud data. It also offers hybrid options that integrate your on-premises solutions with the cloud services offered by Microsoft.
    6. OpenDrive: OpenDrive offers a vast suite of features under its business plan, including data management, project and workflow management, and user management. Data management offers the standard data storage, sync and backup features, while project management offers online Office suite which supports more than 17 different file types for direct editing. Powerful desktop software and apps which work across Windows, Mac and Android platforms are available. OpenDrive has a basic plan with 5GB of free storage with limits on file size and speed of access. The professional plans start from $12.95 per month, offering unlimited storage, unlimited file size, and unlimited access speed for one user. The personal unlimited plan allows up to three user accounts (each user costing extra), while the business unlimited plan allows unlimited user accounts (at extra cost). Custom pricing for specific needs is available.
    7. SpiderOak. SpiderOak touts their “zero knowledge” policy when it comes to your data. Computer analyst and whistleblower Edward Snowden has praised SpiderOak in the press. Full privacy, full control to the clients, no knowledge to the hosts, and flexible hosting plans are SpiderOak’s selling points. Plans start at $7 per month for 30GB of data, and go up to 5TB. For advanced business needs such as active directory integration, SpiderOak offers Enterprise hosted and Enterprise on Premise plans, with costs starting at $5 per user per month, but require at least 100 and 500 users respectively. Each plan also charges a one-time setup fee of $299 and $599 respectively. For businesses holding sensitive data and needing advanced system configuration and services, SpiderOak is a good fit.
    8. Syncplicity. Syncplicity is a good cloud host for businesses who hold sensitive data and want their administrators to be able to control and limit access. Stored data is accessible across devices on multiple platforms, the interface is clutter-free, and there are robust reporting features to monitor content usage. For administrators, it allows implementing policies and controls for accessing data. It enables you to group users and apply different controls to those groups. It also facilitates restrictions based on the location of devices. The personal plan, which offers 10GB of storage, is free; the business plan offering 300GB of storage starts at $60 per user per year and requires at least 3 users; the department plan, with 1TB of storage, starts at $60 per user per year and requires at least 25 users. And the enterprise plan, offering unlimited cloud storage, starts at $150 per user per year and needs at least 25 users. All paid plans have 30-day free trial period.

    The Bottom Line

    In the technology world, “free offers” often come with lots of restrictions. For free cloud storage, this means limits on the size and type of data that can be hosted, bandwidth utilization, platforms (Windows or Linux), availability of backups, and technical support. This may be fine for individual users, but small businesses will likely need to pay for a service that will meet their needs. While there are plenty of good options, you’ll certainly want to do your homework before trusting your business data to any provider.


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    Marshalls Roofing Contracting

    Quality Roofing Contracting Services

    Roofing columbia md

    Call Today for Your

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    Marshall s Contracting

    Roofing columbia md

    Protecting Homes And Adding Value

    Security for Families

    We know your neighborhood! Marshall’s Contracting is a locally, family owned and operated business with over 30 years of experience. Since 1982 we have been serving the exterior remodeling needs of residential and commercial customers in Howard, Carroll, Frederick, Baltimore, Anne Arundel and Montgomery Counties. We look forward to serving you!

    Trusted Exterior Home Remodeling Protecting your Investment

    We understand that updating your home or business exterior is a big decision. It s one that can have a significant effect on your lifestyle and the value of your property. And because your home or business is probably the biggest investment you ll ever make, you want to protect that investment.

    Reliable Siding Contractor and Energy Efficient Window Replacement

    Whether you are considering siding because you want to be free of the painting and maintenance associated with wood or you want to install new windows in your office to reduce energy costs, we can insure that your new exterior adds to the value of your home or business! Whatever image you have in mind, Marshall’s Contracting can help you achieve it.

    Expert Siding and Roof Repairs

    For years, we have been providing roofing and siding repair in Columbia MD and surrounding areas and we have many clients who are satisfied with the work we have done for them.

    Storm Damage Repair

    If you want a complete roofing replacement or need some hail damage repairs after a big storm, we have the knowledge and experience to tackle the job professionally and do it right the first time.


    John B Wright Insurance Agency in Waretown, NJ 08758

    #john #b #wright #insurance


    #

    John B Wright Insurance Agency

    About

    John B Wright Insurance Agency is located at the address 386 Route 9 in Waretown, New Jersey 08758. They can be contacted via phone at (609) 693-5600 for pricing, hours and directions. John B Wright Insurance Agency specializes in Personal Injury & Property Damage, Factories, Hospital Confinement Indemnity.

    John B Wright Insurance Agency has an annual sales volume of 0 – 500K. For more information contact Greg Wright, Owner or go to johnbwright.com

    John B Wright Insurance Agency provides Auto Insurance, Disability Income, Term Life Insurance to it’s customers. For maps and directions to John B Wright Insurance Agency view the map to the right. For reviews of John B Wright Insurance Agency see below.

    PRODUCTS

    • Family Policies. Life Insurance. Burial Insurance. Individual Policies. Employee Benefits. Employer-Sponsored Pensions. Retirement Plans. Senior Plans. Workers Compensation. Profit Sharing Plans

    SERVICES

    • Auto Insurance. Disability Income. Health Insurance. Life Insurance Claims. Small Businesses. Bonds Issued. Short Term Planning. Residential Claims. Travel Information. Term Life Insurance

    BRANDS

    • United Healthcare. Prudential. State Farm. Travelers. Blue Shield. Mutual Of Omaha. Cigna. Allstate. American Family. Anthem

    SPECIALTIES

    • Long-Term Care. Hospital Confinement Indemnity. Crime. Workers Compensation. Factories. Pleasure Boats. Accident. Personal Injury Property Damage. Specified Disease. Dental

    Nursing Schools In Tampa, Florida

    #nursing #schools #in #tampa #florida


    #

    Degree Nursing

    Nursing Schools In Tampa, Florida

    Our list of nursing schools in Tampa, Florida is presented below with the nursing degree programs offered at each Tampa college and university for LPN, LPN-to-RN, ASN, BSN, RN-to-BSN and more. Click the name of any Tampa nursing schools to view the college or university characteristics, student body profile, satellite map of the surrounding area, and to view any additional nursing degree program information we have available in our database. Links are provided so that you can easily navigate to the official website of several Tampa nursing schools to compare and better understand the nursing degrees they award.

    List Of Nursing Schools In Tampa, Florida

    RN-to-BSN, BSN, MSN, RN-to-MSN, Nurse Practitioner

    The nursing degree program acronyms CNA, ASN, LPN, LPN-to-RN, LPN-to-BSN, RN, RN-to-BSN, RN-to-MSN, MSN, DSN, DNP, PhD, etcetera used in our list of nursing schools in Tampa, Florida may differ from the actual nursing degree program title published by the college or university. Nursing schools in Tampa, Florida and other cities, for example, may follow their own traditional nursing degree naming convention, or, attempt to follow the latest nursing degree naming convention being employed nationwide.

    Last updated: February 18, 2017

    Nursing School, Degree, And Career Navigation

    Nursing Degrees

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    Nursing Schools


    Shopping Online, E-commerce services in Thailand

    #shopping #online, #ecommerce, #e-commerce, #jatujak #weekend #market, #chatuchak, #thailand, #bangkok, #handicrafts, #jewelry, #clothes, #thai #food


    #

    E-Commerce, Shopping Online for Thai Products

    11 Street Thailand
    11 Street Thailand offers online shopping for. electronics, fashion, groceries. Home and living items, leisure and sports’ products, health and beauty products, E-vouchers and books.
    http://www.11street.co.th/

    Epic Stuff
    Epic Stuff is the place for gadgets, unique gifts, fun pop-culture, cool wall art, home decoration as well as some clothing and wearable accessories.
    https://www.epicstuff.co.th/

    Zalora
    Zalora Thailand was officially launched in 2012. Home to more than 500 international and local fashion brands for both men and woman. At Zalora you will find shoes, bags, dresses, skin care, the best of Thai designer brands and more!
    http://en.zalora.co.th/

    ThaiShop2You.com
    Thaishop2you.com specializes in supplying the very best quality products from Thailand. We supply Thai silk products, Thai art, oil paintings, hand painted ceramics, hand made traditional Thai pottery pieces, wood carvings and many other beautiful gift ideas from Thailand.
    http://www.thaishop2you.com/

    ToHome.com
    Tohome.com is Thailand s leading and largest online retail store. Large selection of Thai and International CDs, books, computer & PDAs, mobile phones, electronics equipment. There are over 10,000 varieties to choose from. Other services include: customer s review for those who want to share their opinions and gift services for those who wish to have us deliver our products as gifts for their loved ones.
    http://www.tohome.com/

    Lazada
    Lazada is an online shopping site, with a wide variety of products for sale. fashion clothing, electronics, cameras, mobile phones, electrical appliances, car accessories, luggage, Tesco products, etc.
    http://www.lazada.co.th/

    Ezistock
    Ezistock is an online fair trade marketplace where the artists and artisans of Thailand can sell their handmade products to international buyers. Browse for their jewelry, home decor, gifts, handbags and handcrafted works of art.
    http://www.ezistock.com/

    Redwing Imports Handicrafts
    Redwing Imports offers exotic handicrafts direct from Thailand for customers around the world. We export gifts and home decor items handmade by craftsmen in Thailand. We also provide other services such as product sourcing, wholesale and manufacturing.
    http://redwingimports.com/

    ThailandOn.com
    Anyone can sell anything for free on thailandon.com, where buyers and sellers meet. Categories include. cars, motorbikes, mobile phones, electrical goods, kitchen appliances, sport and outdoor items, accommodation, furniture. You can search for staff or business opportunities.
    http://www.thailandon.com/

    Portal Canyon Co. Ltd.
    Portal Canyon offers e-commerce websites, designed to open a successful online store. Management and marketing tools. Different subscription price plans.
    http://www.portalcanyon.com/

    Shopping Thai
    Shopping mall for products such as gifts, Thai handicrafts, costume jewelry, Thai silk, silver, Thai folk art, music, carving, garment, textile, orchid, furniture, books on Thailand, antiques and more
    http://www.shoppingthai.com

    Giffarine Thailand
    Giffarine Thailand is a direct selling company, operating in Thailand and surrounding countries. It also exports its products to more than 30 countries. Beauty and personal care products, household and healthcare products, products for infants and children.
    http://www.giffarinethailand.com/

    Thailand Unique
    Our shop provides unique Thai and SE Asian food and drink gift products. Our specialty is unique concept gourmet food, drink and hard to find liquors. Products include. Asian snake whiskey, Asian soft drinks, Red Scorpion liquors, other Asian liquors. Edible insects and bugs, energy drinks, etc.
    http://www.thailandunique.com/

    AsiaPay (Thailand) Ltd.
    We are an electronic payment processing service and solution house in Asia. We strive to provide a totally secure, integrated and comprehensive payment processing service for businesses, charities and associations, and payment solutions blending latest technologies for the financial and banking industries.
    http://www.asiapay.co.th/

    Pattaya Message Boards
    New online Thailand-related web-source database to sell and buy property and goods, offer and find services, promote your business inland and abroad, find friends, love etc. Place your messages here for free!
    http://www.pattayamessageboards.com/

    Propaganda Online
    Welcome to propagandist, the most unique collection of gift and home decorative items in Thailand.
    http://www.propagandaonline.com/

    E-Commerce with EcomBot
    eComBot is a robot which has been designed to help business people or laymen create a standard personal E-commerce system for their online shopping store.
    http://www.ecombot.com/

    WearYouWant Ltd.
    WearYouWant offers hundreds of brands, boutiques and labels across menswear and womenswear in its online shop. Anything from dresses, T-shirts, shoes, watches to beauty products. Brands include. Tissot, Calvin Clein, Converse, Estee Lauder, Guess, InnerGear, Yves Rocher, and many well known local brands.
    https://www.wearyouwant.com/

    MOXY
    MOXY is a new online shop featuring fashion brands, gadgets, beauty products, eco friendly and home products.
    http://www.moxyst.com/

    Siam Secrets Store
    Thailand is truly a land of crafts, and Siam Secrets Store is dedicated to bringing authentic handmade Thai items to you in the international market place. Our ranges include clothing and accessories, household goods, handmade toys, massage tools and oils, as well as traditional incense and essential oils.
    http://www.siam-secrets-store.com/

    Siam Best Buy Co. Ltd.
    Manufacturer and supplier of corporate gifts, premium and promotional items such as bags, pens, T-shirts, mascots, mousepads, umbrellas, mugs, stuffed toys, and more.
    http://www.siambestbuy.com


    Consultation gratuite d – un avocat par téléphone – Conseil avocat divorce, consultation gratuite avocat.

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    Consultation gratuite : où et comment ?

    Pour une association faire moins cher est le credo dune association de consommateurs comme la notre. Par contre faire gratuit entre le loyer des locaux, les fournitures, le téléphone, etc. nous vous laissons essayer !

    Nous les transmettrons à des étudiants en master 2 pour qui des cas concrets leur est plus passionnant et valorisant. Ils ont une bonne boite à idées entre leurs oreilles.

    Vous aurez une réponse rapidement.

    Egalement le numéro de téléphone du ministère de la Justice est : 01 44 77 60 60 . Vous pouvez demander le service du droit de la famille pour poser votre question.

    Si vous êtes adhérent(e) à l’association

    Appelez le numéro de téléphone indiqué avec votre numéro d’adhérent(e) qui vous a été attribué. Vous avez aussi la possibilité davoir une consultation à 80 € pour une heure avec les avocats référencés par lassociation. Il est demandé un paiement pour éviter les abus et aussi pour couvrir les frais généraux de lavocat. Ainsi vous avez une consultation objective et non une séance de charme pour que vous passez commande.

    SVP. si vous nêtes pas adhérent(e), abstenez vous de téléphoner pour tenter de grappiller un renseignement personnalisé (vous risquez davoir un mauvais accueil ! une association cest de mutualiser les coûts pour dépenser moins). Sur ce site vous avez déjà nombre dinformations gratuites. Pour avoir une consultation personnalisée, il faut être adhérent(e).

    Nessayez pas de nous gruger (vous avez été parfois plus de 10 par jour, souvent pour résoudre des ennuis dans lesquels ne seraient pas les personnes si elles avaient adhéré), nous ne sommes pas votre votre conjoint, ni votre avocat.

    N.B: Nous vous rappelons que vous avez des consultations gratuites par Avocats dans les Palais de Justice, maisons du droit et Mairies de ville moyennes. Pour ce faire, mieux vaut vous renseigner avant sur les horaires et avoir une longue patience. Les files d’attente sont souvent conséquentes, même quand les durées d’entretien sont limitées à 15 minutes.

    Avoir un simple renseignement théorique

    Pour savoir si vous êtes (ou serez) dans la légalité Vous aurez alors une consultation simple et vous seront indiqué les articles et textes de loi, normes, etc. qui vous concernent. Une photocopie de ceux-ci vous sera remise sur place et s’il faut faire une recherche, cela vous sera adressé par courrier Un renseignement sur la législation peut vous éviter un procès Pour cela vous pouvez avoir une consultation à 80 euros, durée jusquà une heure.

    Si dépassement de temps, selon le tarif horaire de lavocat consulté (env. 160 à 300 euros/heure, soit 40 à 75 euros le 1/4 heure)

    Vous informer avant d’attaquer

    Préventivement, vous voudriez savoir si faire un procès en vaut la peine?

    Quel sera le coût à prévoir?

    Dans quel délai ?

    Comment cela se passe en pratique?

    Si cela sera rentable pour vous? Si l’affaire est simple et si l’avocat n’est pas obligatoire, il vous sera indiqué comment vous pouvez procéder sans lui.

    Mais en aurez-vous les capacités et le temps?

    C’est Faire (soi-même) ou Faire Faire (par un avocat). Notamment quand il s’agit d’une envie de vous séparer de son conjoint, ou vous désirez porter plainte, etc.

    Ce type de consultation « exploratoire » vous permettra de conclure s’il vous sera profitable d’engager un procès Vous aurez une pré-convention d’honoraires pour mieux réfléchir.

    Pour cela vous pouvez avoir une consultation à 80 euros, durée jusquà une heure, puis 40 à 75 euros le 1/4 heure Mais voyez nos guides pour économiser du temps davocat (cliquez sur Publication bandeau en haut à gauche ou Guides en haut à droite)

    Pour obtenir un bon de 1ère consultation téléphonez au 01.45.86.29.61 et vous recevrez un bon par la poste

    Si vous nêtes pas encore adhérent

    • Lassociation est composée d Hommes et de Femmes séparés ou Divorcés
    • Lassociation travaille à distance (par courrier, téléphone, émail)
    • Lassociation organise pour Divorcer moins cher
    • Lassociation édite chaque mois une lettre dinformations vous concernant

    Pour avoir plus daide, adhérez sans attendre, avant d’avoir à subir des dégâts irréparables.


    Londra – rivenditori auto usate in Londra, cerco concessionaria auto usate.

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    Londra – concessionari auto usate in Londra, rivenditori auto usate, Londra autosaloni, London veicoli usate, auto di seconda mano, automobili usate Londra

    Rivenditori auto di seconda mano in Europa.

    Auto usate offerte concessionari

    Inghilterra – Londra rivenditori auto usate in Londra /London/

    Pantaloni Wrangler e Lee Nuovo con etichette, prima qualita, al 50% in meno rispetto al prezzo dei negozi! L’invito

    Londra /London/ – rivenditori auto usate concessionari in Londra:

    Evans Autos – autosalone – vendita auto usate, 673-681 London Road North Cheam Londra – 80 auto

    A J Cars – concessionario auto usate, 328a Southbury Road Enfield Londra – 77 auto

    LMC Cars – concessionario auto usate, 104/108 Chiswick High Road Chiswick Londra – 75 auto

    AutoQuake – rivenditore auto usate, Winchester House 259-269 Old Marylebone Road Londra – 74 auto

    Cottage Car Sales – autosalone – vendita auto usate 641-643 Uxbridge Road Hayes Londra – 60 auto

    Kassam Car Sales – concessionario auto usate, 16 New Broadway Uxbridge Road Hillingdon Londra – 55 auto

    M & A Autos – rivenditore auto usate, 202 Uxbridge Road Hanwell Londra – 52 auto

    Eltham Car Sales – rivenditore auto usate, 8-24 Eltham High Street Londra – 50 auto

    Car Centre – concessionario auto usate, 1112 London Road Norbury Londra – 44 auto

    Different Class Cars – rivenditore auto usate, 51b Marlborough Road South Woodford Londra – 40 auto

    Auto 2000 – concessionario auto usate 60 High Street Enfield Londra – 34 auto

    Carrington Cars – rivenditore auto usate 189 High Street South East Ham Londra – 33 auto

    Autoselect UK – concessionario auto usate, 70-72 High Street Penge Londra – 32 auto

    A1 Trade Centre – concessionario auto usate, 55 Greenacre Gardens Walthamstow Londra – 25 auto

    Griffin Autosales – autosalone – vendita auto usate Yates Garage 9 Tudor Road Hampton Londra – 23 auto

    Greenhill Cars – rivenditore auto usate 16-28 Bonners Field Lane Harrow Londra – 22 auto

    M J Cars – rivenditore auto usate, 6-8 High Street Hornsey Londra – 20 auto

    H And Sons Car Sales – concessionario auto usate, 1114 London Road Nobury Londra – 20 auto

    Auto Select UK – rivenditore auto usate, 65 Surbiton Road Kingston Upon Thames Londra – 20 auto

    Continental Cars Centre – autosalone – vendita auto usate, Campdale Road Tufnell Park Londra – 20 auto

    General auto – rivenditore auto usate, Iron Bridge Pinner Road Londra – 20 auto

    John Stanford Cars – concessionario auto usate, 226 Sewardstone Road Chingford Londra – 20 auto

    Alpha Car Sales – autosalone – vendita auto usate, 343-347 Staines Road Hounslow Londra – 20 auto

    Bristan Motor Sales – concessionario auto usate, Bristan House Colham Mill Road West Drayton Londra – 20 auto

    Chigwell Cars – rivenditore auto usate 56-58 Chigwell Road Londra – 20 auto

    A-Z Car Sales – rivenditore auto usate, 770 Romford Road Londra – 20 auto

    Autobahn Motors – concessionario auto usate, 47c Crown Road St Margarets Twickenham Londra – 20 auto


    Assurance auto en ligne, assurance jeune.

    #Assurance #jeune


    Assurance jeune

    En cas de vol ou de destruction de votre véhicule :

    • Si votre véhicule à moins de 2 ans : remboursement à hauteur du prix d’achat.
    • Si votre véhicule a plus de 2 ans : indemnisation prévue par l’expert majorée de 20%. Dans le cas où la majoration serait inférieure à 1000 €, nous vous remboursons 1000 € en plus de la valeur estimée de votre véhicule.

    Cette garantie est utile si vous possédez un vieux véhicule : s’il n’est plus côté, vous disposerez au minimum de 1000 € pour le remplacer.

    Bris de glace +

    Dans toutes les formules

    En complément de la garantie de base Bris de vitres, cette garantie étendue couvre, entre autres, les optiques avant et antibrouillard avant montés en série, toit ouvrant ou panoramique monté en série.

    Garantie personnelle du conducteur auto

    Dans toutes les formules

    Prise en charge des frais médicaux et préjudices financiers consécutifs à un accident pour le conducteur du véhicule assuré, même s’il n’est pas désigné au contrat.

    • La Responsabilité civile obligatoire ne protège que les passagers du véhicule assuré. L’option Garantie personnelle du conducteur est donc indispensable pour couvrir le conducteur en cas d’accident.
    • Cette garantie peut être utile si vous prêtez souvent votre véhicule.

    Protection juridique

    Dans toutes les formules

    Avec cette garantie, vous serez représenté et défendu en cas de procédure judiciaire vous opposant à un tiers.

    Assistance 0 km

    Cette garantie vous permet d’être assisté où que vous soyez en France ou à l’étranger, même en bas de chez vous. Elle comprend par exemple les frais de dépannage et le remorquage de votre véhicule vers le garage le plus proche.

    Aucune franchise kilométrique pour le rapatriement.

    Véhicule de remplacement

    Prêt immédiat d’un véhicule de même catégorie que le vôtre :

    • Jusqu’à 7 jours en cas de panne ;
    • Jusqu’à 15 jours en cas d’accident ;
    • Et jusqu’à 30 jours en cas de vol.

    Stage récupération de points

    A la suite d’une ou plusieurs infractions au Code de la route, vous perdez un ou plusieurs points sur votre permis de conduire et que la ou les infractions vous fassent passer en-dessous du capital de 6 points, nous prenons en charge à hauteur de 230 €

    Pack Véhicule

    A quoi ça sert ? Le pack véhicule regroupe 3 garanties optionnelles mais essentielles pour compléter l’assurance de votre véhicule.

    • Assistance 0 km et mise à dispotion d’un véhicule de remplacement en cas de panne, accident ou vol.
    • Indemnisation + : Pour être remboursé à neuf ou avec une valeur majorée de 20 % en fonction de l’âge de votre véhicule.
    • Bris de Glace + : En extension de la garantie bris de vitre, elle inclut les feux et antibrouillard avants, toit ouvrant ou panoramique montés en série.

    Pack Conducteur

    Le pack véhicule regroupe 3 garanties optionnelles mais essentielles pour couvrir le conducteur

    • Protection juridique pour être représenté et défendu en cas de procédure judiciaire vous opposant à un tiers.
    • Dommages corporels du conducteur, un complément indispensable de l’assurance auto avec deux possibilités au choix de l’assuré (500 000€ ou 1 000 000€), cette garantie couvre le conducteur en cas d’accident responsable et l’indemnise en cas de dommages corporels, invalidité ou dans le pire des cas, la mort.
    • Stage récupération de points : nous prenons en charge à hauteur de 230 € si vous passez en dessous du capital de 6 points.

    En savoir plus

    Que comprend mon contrat d’assurance auto ?

    Le profil du conducteur

    • Qui conduit ?

    Les assureurs distinguent les conducteurs désignés au contrat des conducteurs occasionnels. Les premiers doivent


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    Hotel Nassfeld Kärnten, hotel grado buchen.

    #Hotel #grado #buchen


    Angebote im Alpen Adria Hotel

    Hotel grado buchen

    2 Nächte mit 1 Flasche Prosecco,Late Night Wellness,Massage

    ab € 209,- pro Person

    Skiurlaub im Nassfeld

    Hotel grado buchen

    Urlaub in Kärntens größtem Skigebiet mit über 110 Pistenkilometern!

    Buchen Sie bei uns 7 Nächte inkl. 6 Tagesskipass ab € 669,- pro Person

    Unsere Pauschalangebote im Überblick

    Wählen Sie aus unseren Zahlreichen Urlaubsangeboten. Egal ob mit der ganzen Familie oder lieber romantisch zu Zweit, hier ist für jeden etwas dabei.

    Möchten Sie lieber nur ein Zimmer buchen? Dann gelangen Sie hier zu unseren Zimmerpreisen!

    Hotel grado buchen

    Liebesblubbern Deluxe

    – 2 Nächte inklusive Halbpension

    – 1 Flasche Prosecco

    Auf Anfrage jederzeit buchbar!

    Hotel grado buchen

    Alpen Adria Wellness-Genuss-Kästchen

    – 3 oder 4 Nächte inklusive Halbpension

    Auf Anfrage jederzeit buchbar!

    Hotel grado buchen

    Kurz mal weg – Wedel & Genuss Tage

    – 3 Nächte mit 2 Tagesskipass

    – 4 Nächte mit 3 Tagesskipass

    – 1 Spatzenmassage & 1 Solarium pro Person

    buchbar im Winter 2017/18

    Hotel grado buchen

    Snow & Wellness am Nassfeld in Kärnten

    – 5 Nächte inklusive Halbpension

    – Massage und Wellness

    buchbar im Winter 2017/18

    Hotel grado buchen