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Adressen und Öffnungszeiten von Verwaltungseinrichtungen, Geschäften oder Dienstleistern findest du im Branchenbuch von Osterholz-Scharmbeck.

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QuickQuote – Term Life Insurance

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Term Life Insurance

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Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.

You can choose a term length of 10 to 35 years, and a coverage amount of $25,000 to $25M or more.

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Calcula el presupuesto de tu seguro con MMT Seguros, mmt seguros moto.

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Mutua MMT Seguros nace en Madrid en 1932 como sociedad de seguros a prima fija especializándose desde el principio en el sector de los vehículos. Una peculiaridad de esta compañía es que el cliente es al mismo tiempo mutualista y cliente, esto implica una gran claridad en la gestión y sobre todo una completa transparencia, que efectivamente se reflejan en la realidad.

Ver precios de MMT Seguros:

Descripci n de MMT Seguros

Mutua MMT Seguros nace en Madrid en 1932 como sociedad de seguros a prima fija especializ ndose desde el principio en el sector de los veh culos.

MMT es una compa a sin nimo de lucro que intenta buscar siempre soluciones personales para sus clientes, de ah su slogan seguro de coche de persona a persona que bien aclara su filosof a. La aseguradora cuenta con una extensa red de agentes.

Una peculiaridad de esta compa a es que el cliente es al mismo tiempo mutualista y cliente, esto implica una gran claridad en la gesti n y sobre todo una completa transparencia, que efectivamente se reflejan en la realidad. El supervisor de los negocios es la Direcci n General de Seguros y Fondos de Pensiones que depende del gobierno, en particular del Ministerio de Econom a y Hacienda.

Hoy en d a MMT es patrocinador del equipo de baloncesto Real Madrid. Gracias al acuerdo MMT dispone de un lugar privilegiado para presentar su marca en el Palacio Vistalegre y de otras contraprestaciones publicitarias por parte del club.

Datos de contacto

Direcci n Oficina Central

  • C/ Trafalgar 11
  • 28010 Madrid

Contrataci n

  • 91 252 94 95

Tipos de Seguros

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Medical billing coding online certification. and Video

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American Express Mйxico – Seguro para Autos Rentados, arrendadora de autos.

#Arrendadora #de #autos


RECIBE PROTECCIУN Y ASISTENCIA DURANTE TUS VIAJES

Seguro contra Robo y Daсos Materiales para Autos Rentados

Este seguro te proporciona protecciуn contra daсos materiales y robo total del automуvil que rentes con La Tarjeta 1 , en la mayorнa de las arrendadoras comerciales de Estados Unidos y Canadб.

Los beneficios y seguros mencionados se encuentran integrados sin costo a la cuota anual que usted pagarб por La Tarjeta.

1 El lнmite mбximo de cobertura depende del tipo de Tarjeta con la que se haya efectuado la renta. Revisa la secciуn “Sumas Aseguradas” para conocer los diferentes montos de cobertura.

Para el caso de The Platinum Card ®, The Platinum Card American Express® Aeromйxico, The Platinum Card® American Express MexicanaGO y The Centurion Card la cobertura es mundial a excepciуn de autos rentados en Mйxico. 

2 Excluye autos exуticos, deportivos, camiones, vans de tamaсo amplios, vehнculos con uso comercial entre otros. Para saber a detalle las exclusiones del seguro y cuбles son los autos excluidos consulta los Tйrminos y Condiciones en la liga ubicada al final de йsta pбgina.

Seguro proporcionado por Chubb Seguros Mйxico, S.A. para reembolso y AXA Assistance para atenciуn a clientes.

  • Pagar la renta del automуvil con La Tarjeta
  • Si decides no conducir el vehнculo rentado podrбs quedar asegurado siempre y cuando la persona que conducirб el automуvil es designado como conductor en el contrato de arrendamiento

SUMAS ASEGURADAS

Tabla de Sumas Aseguradas por Tarjeta

Seguro proporcionado por Chubb Seguros Mйxico, S.A. para reembolso y AXA Assistance para atenciуn a clientes.

EN CASO DE SINIESTRO

Contбctanos

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AXA Assistance USA, 122 S Michigan Ave. Suite 1100, Chicago IL 60603.

Cуmo hacer vбlido este seguro

nъmero de La Tarjeta

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reporte de daсos

tipo de vehнculo

nъmero telefуnico y direcciуn de la arrendadora  

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Englisch-Deutsch Wörterbuch – Übersetzung, englisch wörterbuch kostenlos.

#Englisch #wörterbuch #kostenlos


Englisch-Deutsch Wörterbuch

Tippe einfach das Wort, welches du von Englisch nach Deutsch übersetzt haben möchtest, in das Suchfeld ein. Du kannst Wörter auf Englisch oder auf Deutsch eingeben, da beide Seiten des Wörterbuchs gleichzeitig durchsucht werden. Um ein anderes Online-Wörterbuch als das Englisch-Deutsch Wörterbuch zu nutzen, kannst du einfach das Drop-Down Menü verwenden. Alternativ kannst du auch zur Wörterbuch-Auswahlseite zurückgehen. Sollte dein Suchergebnis zu viele englische oder deutsche Wörter beinhalten, kannst du die praktischen Filter nach Kategorien, Regionen und Stil einsetzen.

Suche im Englisch-Deutsch Wörterbuch nach Buchstaben

Verwende die unten stehenden Buchstaben, um das Online-Wörterbuch manuell zu durchsuchen. Wähle einfach einen Buchstaben aus, um mit dem Durchblättern zu beginnen. Wenn Du das gesuchte Wort gefunden hast, kannst Du dieses anklicken und Dir werden alle deutschen Wörter und Synonyme angezeigt, die zu der Englisch-Übersetzung passen.

Deutsch Online Wörterbücher

Englische Übersetzung prüfen

Wir wollen das größte gratis Online-Wörterbuch der Welt aufbauen. Das Englisch-Deutsch-Wörterbuch wächst jeden Tag; die neusten Einträge im Englisch-Deutsch Wörterbuch auf englisch und deutsch werden unten angezeigt. Hilf uns, das Wörterbuch noch besser zu machen, indem Du deutsche Übersetzungen für englische Ausdrücke überprüfst.

Warum mitmachen?

Alle sind herzlich willkommen, an bab.la mitzuwirken und somit unser Englisch-Deutsch Wörterbuch so gut wie möglich zu machen. Immer wieder enstehen neue Englisch-Übersetzungen und Auslegungen von deutschen Begriffen. Darüber hinaus kann sich eine Englisch-Übersetzung für einen deutschen Fachbegriff von Bereich zu Bereich stark unterscheiden. Deshalb umfasst das Englisch-Deutsch Wörterbuch eine Vielzahl von Übersetzungen auf Englisch und Deutsch. Dabei ist jeder neue Vorschlag für das Englisch-Deutsch Wörterbuch hilfreich. Allerdings muss ein Vorschlag von zehn anderen Nutzern bestätigt werden, um die Qualität der englischen Übersetzungen im Englisch-Deutsch Wörterbuch zu garantieren. Erst dann wird der Vorschlag in das Englisch-Deutsch Wörterbuch aufgenommen. Vorher erscheint der Vorschlag lediglich als unbestätigter Eintrag im Englisch-Deutsch Wörterbuch.

Du kannst Teil der bab.la Community werden, indem Du Dich ganz einfach registrierst. So kannst Du Punkte für die Weltrangliste sammeln. Du bekommst beispielsweise Punkte, wenn Du neue Englisch-Deutsch Übersetzungen für das Englisch-Deutsch Wörterbuch vorschlägst. Im Englisch-Deutsch Forum kannst Du mit anderen bab.la Nutzern Kontakt aufnehmen. Hier kannst Du Fragen zur deutschen Sprache oder zu besonders schwierigen englischen und deutschen Übersetzungen stellen.

Eine Sprache mit dem Englisch-Deutsch Wörterbuch lernen

Warum solltest Du eine neue Sprache lernen? Weil es für Dich nützlich sein wird, um andere Menschen zu verstehen, deren kultureller Hintergrund, Denkweise und vieles mehr. Englisch ist eine Weltsprache, die von Milliarden von Menschen als Muttersprache gesprochen und bei weiteren Millionen von Menschen als erste Fremdsprache gewählt wird. Außerdem ist Englisch die Geschäftssprache und wo immer Du Dich in der Welt befindest ist es sehr wahrscheinlich, dass Du eine Person triffst, die Englisch verstehen und sprechen kann. Deutsch hingegen wird in einem wirtschaftlich starken Land wie Deutschland gesprochen, aber auch in Österreich und der Schweiz. Brauchst Du noch weitere Gründe entweder Englisch oder Deutsch zu lernen?




Immobilie verkaufen leicht gemacht, immobilien nrw.

#Immobilien #nrw


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Planen Sie Ihren verkauf früh genug. Es gibt drei Variablen: Preis, Zeit, Angebot. Desto niedriger der Preis, desto besser bekommen Sie Ihr Objekt verkauft. Desto mehr Zeit Sie mitbringen, um so eher können Sie Ihre Preisvorstellung realisieren. Sobald Grundbesitz kurzfristig veräußert werden muss, fällt der Preis dramatisch. Welche Unterlagen benötigen Sie für den Käufer. Banken benötigen einige Unterlagen um einer Finanzierung zuzustimmen. Unterlagenverzeichnis anfordern klicken Sie hier Besteht noch eine Restschuld auf Ihrem Objekt und verlangt die Bank eine Vorfälligkeitsenschädigung? Wann können Sie ausziehen, desto flexibler Sie sind, desto leichter finden Sie einen Käufer. Jeder Fehler geht direkt ins Geld, deshalb: Planung ist die halbe Miete!

Was haben Sie für Ihr Objekt in den Jahren investiert? Das ist aber meistens nicht der Wert. Beispiel: Sie haben die Fenster getauscht. Der Wert der Immobilie wurde gesteigert, aber nicht zum selben Wert Ihre Modernisierungskosten. Es waren ja auch vorher schon Fenster verbaut und diese hatten auch einen Wert. Für den Preis sind folgende Punkte entscheidend: Lage, Lage, Lage. Ja es gibt auch noch andere Kriterien. Angebot und Nachfrage regeln den Markt. Zustand des Objektes, Anbindungen zu Einkaufsmöglichkeiten, Kindergärten, Schulen und z.B. Krankenhäusern sind immer positiv. Bei der Immobilienbewertung gilt Grundsätzlich: Fragen Sie im Zweifel jemanden der sich damit auskennt!! In den Bekannten Immobilienportalen bekommen Sie die ersten Ideen, aber Vorsicht, hier lauern oft Kostenfallen Kostenfreie Beratung vom Profi erhalten Sie hier

Natürlich können Sie eine Immobilie selber verkaufen. Die Frage die Sie sich stellen sollten, wollen Sie das und was sind die Nach- bzw. Vorteile. Der Nachteil liegt auf der Hand, der Makler kostet Geld. Daraus wird schnell geschlossen das Sie durch den Verkauf weniger überbehalten. Es hat sich jedoch gezeigt, das es unterschiedliche Kunden bzw. Kaufinteressenten gibt und die Kosten für den Makler nicht mit dem Wert der Immobilie über einen Kamm geschert werden. Vorteile sind folgende: Hilfe bei der Preisermittlung, professionelle Werbung, Erstellung eines Exposés und Zusammenstellung aller Unterlagen. Falls Sie bereits selber Erfahrungen mit Immobilien haben und im Vertrieb tätig sind, haben Sie die besten Vorraussetzungen Ihre Immobilie selber zu Vermarkten. Ein Makler ist jedoch immer eine gute Alternative. Führen Sie ein Gespräch und Entscheiden Sie dann was am besten für Sie ist.

Printmedien erreichen heute nur noch einen Teil der Kaufinteressenten. Je nach Bundesgebiet sind unterschiedlich Internetportale beliebt. In Bayern ist z.B. Immonet vor allen anderen. Die Werbung lassen sich die bekanntesten Anbieter oft teuer bezahlen. Von 50 € bis zu 200 € bei Immobilienscout24 ist dort die spanne und die Preise steigen momentan stetig. Ebay-Kleinanzeigen ist sehr beliebt und kostenfrei. Dort gilt aber auch, besser etwas investieren. Portale die Ausschließlich für Immobilien gedacht sind, haben Ihre Eingabemasken bereits darauf optimiert und bringen eine Menge an Informationen und Unterstützung mit.

Kaufinteressenten sehen eine Immobilie mit ganz anderen Augen als der Eigentümer. Verkaufen Sie nicht um jeden Preis. Im schlimmsten Fall suchen die Interessenten das Haar in der Suppe um später den Preis zu drücken. Lassen Sie sich nicht einschüchtern und bleiben Sie professionell. Ein Guter Bekannter oder auch ein Makler können dort sehr hilfreich sein. Vorsichtig bei versteckten Mängeln, prüfen Sie diese genau, sonst führt eine verschwiegener Mangel später zu Schadensersatzansprüchen!

Für den Verkauf erstellt der Notar den Kaufvertrag. Um jedoch die eigenen Interessen als Käufer oder auch Verkäufer zu waren, sprechen Sie vorher mit einem Profi. Der Notar ist dazu verpflichtet sich neutral zu verhalten. Die mündlichen Vereinbarungen müssen nun in Schriftform gebracht werden. Inventar wie Küche können mit im Kaufvertrag aufgenommen werde. Sprechen Sie vorher mit einem Finanzierungsspezialisten ob und wie diese Vereinbarung Sinnvoll sein kann.




Commercial Auto Liability Insurance – Nationwide, automobile liability insurance coverage.

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Protect your business fleet with commercial auto liability coverage

Automobile liability insurance coverage

Business auto liability insurance is an important safeguard for your business. If you or an employee is sued following a serious accident in a car or truck you own, liability insurance helps protect your company’s assets.

Who needs commercial auto liability insurance?

You need this protection if:

  • Your business owns, leases or rents any vehicles
  • Employees drive company-owned, leased or rented vehicles
  • Employees drive their own vehicles while conducting business
  • You or your employees drive company cars for both business and personal use

It’s required in most states

Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are injured or their property is damaged. A minimum amount of commercial auto liability insurance (or proof of financial responsibility) is required in most states.

Some states also require underinsured motorist and uninsured motorist coverage to protect you when the at-fault driver is unable to pay the total cost. Collision or comprehensive insurance is often optional.

Is minimum coverage enough?

Minimum required commercial auto liability coverage varies by state, and typically is the same for both personal and commercial auto liability policies. Many companies opt for more than state-minimum coverage. Why? Because if an injured party sues for a larger amount than the minimal policy covers, it could seriously threaten many small businesses.

How much commercial auto liability coverage do you need?

There are no clear rules around how much business auto coverage you need. Nationwide requires at least $100,000 commercial auto liability coverage per vehicle, with a recommended minimum of $500,000 up to a maximum of $1 million.

For even more coverage, consider a business commercial umbrella policy. It picks up where your business auto liability, general liability or other liability coverage stops. Commercial umbrella insurance is an inexpensive way to get extra coverage against bodily injury and/or property damage.

For example, if your current commercial truck liability insurance policy covers you for $1 million and you are successfully sued for $1.5 million, your commercial umbrella coverage can pay the outstanding $500,000 – so you don’t have to.

How do I get commercial auto liability insurance?

Auto liability coverage can be included in a commercial auto insurance policy.

Find an agent and talk to us about what coverage is right for you. Get started protecting your business vehicles today.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.




Schulstreber: moralisch und demokratische Erziehung im Anschluss an das Konzept von Kohlberg, moralische ansprüche.

#Moralische #ansprüche


Schulstreber

moralisch und demokratische Erziehung im Anschluss an das Konzept von Kohlberg

Grundbegriffe

  • durch gesellschaftliche Einflüsse – Sozialisation
  • kontiunierlich im Lauf der Entwicklung
  • wird beeinflusst durch individuelle Erfahrungen (negative wie positive)

Modell der Entwicklung des moralischen Urteils nach Kohlberg (Grundannahme, Stufenmodell, Dilemmata)

  • Modell zunehmender Gerechtigkeit im moralischen Urteil
  • Gerechtigkeit als zentraler Begriff und universeller Kern der Moral
  • Kohlberg interessiert an Erforschung der Entwicklung des moralischen Denkens (=Begründung normativer Urteile), weniger die Erforschung der Entwicklung moralischen Verhaltens
  • . weil, moralischen Denken und Verhalten in einer dynamischen und interaktiven Beziehung
  • positives Verhalten, Erstellung von Regeln oder kooperatives Arbeiten – Möglichkeit zur Perspektivenübernahme, die die Entwicklung moralischen Denkens befördert
  • weiterentwickeltes moralischen Denken liefert plausible Gründe für positives Handeln
  • Der Kontext, in dem sich moralische Urteilsfähigkeit entwickelt, ist stets die Auseinandersetzung mit der sozialen Umwelt
  • Ausgangspunkt: Piagets Abhandlung über “das moralische Urteil beim Kinde”, folgendes Entwicklungsmodell — prämoralische Stufe (eigene Bedürfnisse maßgebend); Moralität des Zwangs (Regeln vorgegeben, Befolgung aus Angst vor Strafe — Heteronomie); Moralität der Selbstbestimmung (Regelbefolgung nach Prinzipien der Gleichheit und Wechselseitigkeit — Autonomie)
  • Kohlberg erweitert Theorie im Hinblick auf die Entwicklung des moralischen Urteils, empirischer Nachweis von .
  • 1. die Entwicklung von Vorstellung zur Moral ist ein lebenslanger Prozess
  • 2. stufenförmige Entwicklung von einfachen zu komplexen Überlegungen (Urteilen) zu Problemen der Gerechtigkeit
  • 3. und empirisch gesicherte Entwicklungsabfolge besitzt 5 Stufen, die qualitativ unterschiedliche Organisationsformen des Denkens und Agumentierens darstellen
  • allgemeine kognitive Weiterentwicklung notwendig jedoch nicht hinreichende Bedingung für moralkognitive Weiterentwicklung
  • Fähigkeit zur Perspektivübernahme/Empathie ist die zweite unabdingbare Vorraussetzung
  • eigene Bedürfnisse werden instrumentell befriedigt
  • zwischenmenschliche Beziehungen als Markt-Beziehungen
  • Grundzüge von Fairness, Gegenseitigkeit und Sinn für gerechte Verteilung vorhanden, nur physische oder pragmatische Interpretation
  • Moral hat was mit wechselseitigen Beziehungen zu tun
  • auch anderen wird Recht zugestanden unter der Bedingung, dass man selber nicht im Nachteil ist
  • Befriedigung der eigenen Wünsche, zum Teil auch derjenigen der anderen

3. Orientierung an personengebundener Zustimmung oder “guter Junge/ nettes Mädchen”-Modell

  • Zustimmung anderer
  • hohes Maß an Konformität gegenüber stereotypen Vorstellungen von mehrheitlich richtig bzw. “natürlichem” Verhalten
  • Bemühung um Lob – “guter Mensch” – Zuneigung anderer
  • soziale Perspektive, Gefühle der Gemeinschaft, der Übereinkünfte und Erwartungen – Vorrang vor individuellen Interessen
  • Meinung anderer als Maßstab des moralisch Richtigen, keine Berücksichtigung der eigenen Bedürfnissen
  • Wohlergehen der Mitmenschen gewinnt an Bedeutung
  • größter Wert auf harmonische zwischenmenschliche Beziehungen – Gewinn von Zufriedenheit und Anerkennung
  • erlernt sich in andere hineinzuversetzen und fremden Ansprüchen gerecht zu werden



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Conoce el Colegio

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Atención al usuario.

Euskal Herriko Notario Elkargoak astero hautatuko ditu galdera ohikoenetako batzuk, zalantza guztiak erantzuteko ahalegina egitearren / El Colegio Notarial del Pa s Vasco seleccionar semanalmente algunas de sus preguntas m s frecuentes, en un intento de responder a todas sus dudas o interrogantes

El documento que nos indica se encuentra en el Archivo de Distrito de Bilbao. Para pedir copia simple o autorizada de dicho documento deber efectuarlo la persona con inter s leg timo en el mismo -por regla general los otorgantes del documento o sus herederos acreditando en este ltimo caso tal condici n (certificado de defunci n, certificado de ltimas voluntades y testamento o declaraci n de herederos ab intestato)-. La solicitud deber hacerla personalmente o mediante apoderado con poder suficiente. No es posible realizar la petici n por correo electr nico, salvo con firma electr nica autorizada reconocida. Este tr mite puede solicitarlo a trav s de cualquier Notar a donde verificar n los documentos antes se alados y legitimar n la firma de la solicitud.

¿Qué necesito para hacer un testamento?

Basta con acudir al notario con el Documento Nacional de Identidad y explicar c mo quiere repartir el patrimonio. Si el notario lo considera necesario le pedir la escritura de sus bienes o m s informaci n y despu s redactar el testamento por escrito y proceder a otorgar escritura p blica. No es necesaria la presencia de testigos, salvo en casos determinados.

¿Puedo reclamar si considero que no he recibido un buen servicio por parte del Notario? ¿Existen hojas de reclamaciones?

No existe un impreso normalizado de hoja de reclamaciones, ya que conforme al Decreto 142/2014 de 1 de Julio del Gobierno Vasco, por el cual se regulan las hojas de reclamaciones de Consumo, se excluye la obligatoriedad de tenencia de hojas de reclamaciones oficiales a los profesionales adscritos a un colegio profesional cuando la colegiaci n sea obligatoria.

Se reconoce, por tanto, a nivel normativo la exclusi n de esta obligaci n del Notariado (y otras profesiones colegiadas).

No obstante lo anterior, indicarle que en caso de querer formular una consulta o reclamaci n relativa a una prestaci n de servicios en una Notar a, puede efectuarla mediante escrito dirigido al Servicio Notarial de Atenci n al Consumidor existente en este Colegio, haciendo constar nombre, apellidos, DNI, direcci n y dem s datos identificativos del consultante/reclamante, as como el motivo de la consulta o reclamaci n, incorporando la documentaci n que estime oportuna, sin necesidad que se realice en un modelo normalizado.

Puede dirigirse personalmente o telef nicamente, los viernes en horario de 11 a 13,30 horas, en la sede de este Colegio, situada en la calle Henao n 8 de Bilbao (48009), o bien mediante correo ordinario a la misma direcci n.

Zenbat balio du notario batek?

Notarioaren muga-zergak 1989koak dira. Estatuak ezarri zituen, Errege Dekretu baten bidez. Notario-agiri batzuek, hala nola, testamentuek edo ahalordeek, oso kostu txikia dute.

Beste batzuek, hala nola etxebizitza salerosteak edo hipoteka eratzeak kostu aldakorra dute, eskritura publikoaren xede diren ondasunen balioaren arabera.

Muga-zergak notariotza eta notarioen elkargo guztietan daude eskuragarri. Halaber, www.notariado.org web-orrian dago horiei buruzko informazioa.

Últimas noticias

Revista Mía: He heredado un bien pero no sé con qué notario se hizo el testamento

Entrevista a Alfonso Batalla en el suplemento cultural Pérgola de enero

Noticias del Colegio Notarial Vasco en Escritura Pública, nº 108

Revista Mía: Derecho a una herencia recibida por el marido

Atención al consumidor

El Servicio de Atenci n al Consumidor est situado en la sede del Colegio Notarial, y est coordinado por el abogado D. Kepa Loizaga Iruretagoiena. En relaci n a los servicios que se prestan, tanto a las notar as como a los usuarios de servicios notariales, sus funciones principales son:

Tramitaci n de las reclamaciones o quejas formuladas por los consumidores en relaci n a prestaci n de servicios notariales, y su resoluci n conforme al procedimiento arbitral previsto en el art. 146 del reglamento Notarial.

Atenci n al p blico un d a a la semana (viernes en horario de 10,30 a 13,30), y resoluci n de las consultas planteadas por usuarios sobre el funcionamiento y servicios de las Notar as.

Coordinaci n del Colegio Notarial con diferentes organismos de consumo, p blicos y privados, para la tramitaci n de consultas o quejas relativas a cuestiones notariales formuladas por los consumidores. Asimismo, colabora con dichos organismos en el desarrollo de actividades conjuntas y el traslado mutuo de informaci n de inter s para los usuarios.

Colaboraci n con Administraciones P blicas y Entidades privadas en el desarrollo de cursos, seminarios, coloquios y reuniones en temas relacionados con el tr fico jur dico inmobiliario desde la perspectiva del consumidor, as como el planteamiento de elaboraci n de Convenios de Colaboraci n, estudios, informes, folletos informativos o publicaciones conjuntas




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  • Vision Screening. To pass the vision screening, an applicant must meet the following guidelines:
    • Visual acuity of 20/40 with or without corrective lenses.
    • Visual acuity of 20/50 or worse with or without corrective lenses will be referred to a specialist for improvement.
    • Visual acuity of 20/70 may pass if the worse eye is 20/200 or better. Verification is required by a specialist.
    • If blind in one eye, the other eye must have a visual acuity of at least 20/40.
  • Written Test. The written exam tests the applicant s knowledge of the Florida Driver s Manual. It consists of 40 multiple-choice questions regarding road rules and 10 questions regarding specific traffic signs.
  • Road Test. Once the visual and written tests are successfully completed, the applicant may proceed to the road test. The vehicle, provided by the applicant, must be insured, registered and safely operable. A licensed driver is required to drive the vehicle to and from the testing site.

    The applicant will be tested in the following areas:

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  • Fees. A regular driver s license requires the applicant to pay a $48 fee.

DUI/DWI Laws

  • BAC limit: .08 The Florida Driver s Manual notes that Florida holds a Zero Tolerance Law regarding drivers under the age of 21. It states that if a driver under the age of 21 is stopped and determined to have a BAC of .02 to below .05, he/she will receive a 6 month license suspension. A driver under the age of 21 with a BAC of .05 or higher receives the additional penalty of attending a substance abuse program. Following are the penalties pertinent to Florida DUI/DWI offenses:
  • First Offense:
    • Minimum $500 and maximum $1,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are minimum $1,000 and maximum $2,000.
    • Community service of 50 hours.
    • Probation maximum of 1 year.
    • Possible imprisonment of 6 months maximum. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the maximum is 9 months.
    • License revocation of 180 days.
    • DUI school for 12 hours.
    • Possible Ignition Interlock Device (IID) for a maximum of 6 months.
  • Second Offense:
    • Minimum $1,000 and maximum $2,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are minimum $2,000 and maximum $4,000.
    • Imprisonment of 9 months maximum.
    • License revocation of 180 days.
    • DUI school for 21 hours.
    • Ignition Interlock Device for a minimum of 1 year.
  • Third Offense:
    • Minimum $2,000 and maximum $5,000 fine. If the driver has a BAC of .15 or higher and/or accompanied by a minor, the fines are a minimum of $4,000.
    • Imprisonment of 12 months maximum.
    • License revocation of 180 days.
    • DUI school for 21 hours.
    • Ignition Interlock Device for a minimum of 2 years.
  • Fourth or Subsequent Offense(s):
    • Minimum $1,000 fine.
    • Imprisonment of 5 years maximum.
    • Permanent license revocation.
    • DUI school (hours unspecified).
    • Ignition Interlock Device for 5 years.

Texting Driving Laws

Distraction.gov informs Florida drivers that texting is banned for all drivers.

Unique Laws

Florida has a wide array of residents, and just as wide an array of interesting laws. For instance, while tying an elephant to a parking meter, be sure to remember that the meter fee must be paid as if the elephant were a vehicle. It is also illegal to sell one s children, and, not only are drivers required to have a license, so are skateboarders!

STATS

Best Cheap Car Insurance Quotes for Florida

Miami-Dade County Car Insurance

Encompassing the southeastern tip of Florida, the coastal County of Miami-Dade is the southeasternmost U.S. county located on the mainland. Home to an estimated 2.7 million, the county s name was changed from Dade to Miami-Dade by voters in 1997, noting the international recognition of Miami.

A seaport city with the third tallest skyline in the nation, Miami is a hub for finance, culture and international trade, ranked by Forbes in 2008 as America s Cleanest City. The county is home to both Everglades National Park and Biscayne National Park. The global fast food chain Burger King is headquartered in unincorporated area of Miami-Dade County.




Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, cheap insurance rates.

#Cheap #insurance #rates


Auto Insurance

Get an auto insurance quote

America’s finest agents, quote and buy online, great discounts, and award winning claims service.

Why Farmers Auto Insurance is a Smart Choice

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

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

Car insurance with Farmers means:

Control over your policy

You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

Personalized attention

Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

Insight and guidance

Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

Convenience

Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

Smart savings

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

24/7 protection

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

Customize your Auto Insurance policy with plenty of coverage options

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

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

Consider additional coverage options* like:

Accident Forgiveness

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

No Fault, No Foul

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

Small Claim Forgiveness

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

Incident Forgiveness

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

Farmers Rideshare

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

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

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

*Not available in all states.

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

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




Term Life Insurance at Work, MetLife, cheap term life insurance quotes.

#Cheap #term #life #insurance #quotes


Term Life Insurance

Available through the workplace, MetLife Term Life Insurance is a cost effective way to help provide financial protection for your family with coverage for a selected period of time.

Cheap term life insurance quotes

Common types of term life insurance that may be available through your workplace include:

Basic Term Life: Generally an employer-paid coverage offered for a set period of time that provides your beneficiaries with essential financial protection.

Supplemental Term Life: An employee-paid benefit allowing you to purchase additional protection as your needs change over time. Dependent, spouse or domestic partner coverage may also be available. 1

Dependent Term Life: Provides coverage for your spouse, civil union partner or domestic partner and eligible children.

For complete plan details, talk to your company’s benefits administrator.

A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child’s college education may become much more difficult.

Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

  • Replacing lost income
  • Covering basic living expenses
  • Paying household debts, estate taxes and funeral expenses
  • Funding a child’s education
  • Supplementing retirement savings

Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

Term life insurance pays a specific lump sum to your loved ones, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

Generally, you should consider a term life insurance policy to:

  • Get valuable coverage at an affordable price
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy

Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means the value of the policy may grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of policy is typically portable so coverage can continue if employment terminates.

Consider a permanent insurance policy if you want:

  • Protection for life
  • Payments that stay the same each year
  • To put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living

Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

  • Competitive group rates
  • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
  • Convenient payroll deductions
  • Easy access to enrollment and educational tools that can help you make decisions about the type and amount of insurance that’s right for you
  • The confidence of knowing that your employer has reviewed and selected the plan

All you have to do is sign up, and sometimes enrollment is automatic.

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses.

While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

  • Salary
  • Benefits/health insurance
  • 401(k) and retirement savings
  • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

Then, subtract your personal expenses including:

  • Annual spending on personal needs, such as food, clothing, entertainment, etc.

Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price. 2

Premiums are typically based on factors such as:

  • Age, sex, height and weight
  • Health status, including whether or not you smoke
  • Participation in high-risk occupations

Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insu


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Don Jorge, Web Oficial – Alquiler de apartamentos en Benidorm, apartamentos benidorm playa levante.

#Apartamentos #benidorm #playa #levante


apartamentos benidorm playa levante

Apartamentos benidorm playa levante

Apartamentos benidorm playa levanteApartamentos benidorm playa levante

Apartamentos benidorm playa levante

  • Apartamentos benidorm playa levante

  • Apartamentos benidorm playa levante

  • Apartamentos benidorm playa levante

  • Apartamentos benidorm playa levante

    Apartamentos benidorm playa levante

    Bienvenidos al edificio Don Jorge, el servicio más exclusivo en alquiler de apartamentos en Benidorm. El complejo dispone de 166 apartamentos turísticos de 1 y 2 dormitorios más el ático Imperial Don Jorge. Es el lugar perfecto si buscas un alojamiento en Benidorm donde disfrutar de las ofertas y ocio de la ciudad.

    Además, la zona goza de un clima privilegiado, con temperaturas suaves y con más de 300 días de sol al año.

    El edificio consta de 166 apartamentos, muy cercanos a la Playa de Levante, en Benidorm, y con una moderna y singular arquitectura. Los apartamentos Don Jorge resulta la opción más adecuada para disfrutar de la libertad de alquilar tu propio apartamento, pero acompañada ésta de todos los lujos de que dispone un hotel de 4 estrellas.

    Eso es debido a su proximidad al Hotel Palm Beach, de cuyas instalaciones podrán disfrutar los clientes de los apartamentos Don Jorge.

    Apartamentos benidorm playa levante

    Aprovechando la privilegiada situación de los Apartamentos Don Jorge, pordrá disfrutar de los maravillosos parques de Aqualandia, Mundomar y Terra Mítica.

    Apartamentos benidorm playa levante

    Apartamentos Don Jorge resulta la opción más adecuada para conseguir el sosiego de quien quiere descansar, o alcanzar en pocos minutos los más variados locales de ocio y diversión.




  • Ampervillas Недвижимость в Altea, Испания, apartamentos en altea.

    #Apartamentos #en #altea


    apartamentos en altea

    Apartamentos en altea

    Apartamentos en altea

    Apartamentos en altea

    Apartamentos en altea

    Apartamentos en altea

    Apartamentos en altea

    Особенности

    Cosy house with sea views

    • площадь: 136m 2
    • земельный участок: 400m 2
    • 3
    • 2

    Villa with seaviews in Altea

    • площадь: 160m 2
    • земельный участок: 1500m 2
    • 3
    • 2
    • площадь: 90m 2
    • земельный участок: m 2
    • 2
    • 2

    Villa with sea views in Altea

    • площадь: 311m 2
    • земельный участок: 1224m 2
    • 4
    • 3

    Квартира для продажи жилая площадь в Altea Costa Blanca

    • площадь: 98m 2
    • земельный участок: m 2
    • 2
    • 1

    Вилла для продажи с видом на море в Альтеа

    • площадь: 131m 2
    • земельный участок: 997m 2
    • 4
    • 3

    Apartment for sale in Altea la Vieja

    • площадь: 100m 2
    • земельный участок: m 2
    • 2
    • 2

    APARTMENT WITH SEA VIEWS

    • площадь: 150m 2
    • земельный участок: m 2
    • 3
    • 3

    Деревенский участок для продажи с невероятным видом на море

    • площадь: m 2
    • земельный участок: 15917m 2
    • 0
    • 0

    Квартира на продажу с видом на море в Altea

    • площадь: 90m 2
    • земельный участок: m 2
    • 2
    • 2

    Красивая квартира с видом на море в Altea

    • площадь: 104m 2
    • земельный участок: m 2
    • 2
    • 2
    • площадь: 254m 2
    • земельный участок: 2460m 2
    • 3
    • 2

    Квартира с прекрасным видом на Дон Кайо Golf Altea (Ref: A365)

    • площадь: 110m 2
    • 1
    • 1

    Ampervillas Videos



    Apartamentos en altea

    ¿De cuánto es el presupuesto para comprar una vivienda?

    El precio es sin duda uno de los aspectos más importantes que influyen en la decisión final de compra de una vivienda. Analizar con qué presupuesto podemos contar es fundamental para no equivocarnos.

    Apartamentos en altea

    La orientación de la casa para ahorrar energía en Altea

    ¿Quieres saber cuál es la mejor orientación de una vivienda en Altea para ahorrar en el consumo eléctrico? Desgranamos la mejor forma de aprovechar el sol para ahorrar en la factura energética.

    Apartamentos en altea

    Tendencias del mercado inmobiliario para 2018

    A tan sólo unos días para finalizar el año, podemos hacer balance de este 2017 y analizar la tendencia del mercado inmobiliario para el próximo año 2018. Os damos algunas claves interesantes que marcarán el sector.

    Apartamentos en altea

    ¡Feliz Navidad! Llega la Navidad a Altea con numerosas actividades

    El equipo de Ampervillas os desea unas felices fiestas navideñas llenas de regalos e ilusiones. Os dejamos con todo el programa de actividades en Altea para pasar una Navidad inolvidable.

    Apartamentos en altea

    Las mejores casas a la venta en Altea de Diciembre 2017

    Llega el invierno y el nuevo año 2018, donde muchos compradores comienzan su búsqueda de la casa perfecta. Desde Ampervillas os ayudamos con una cuidadosa selección de los mejores apartamentos y chalets a la venta en Altea de diciembre.

    Apartamentos en altea

    Newsletter

    Получайте новости, предложения и сообщения о новостройках на ваш

    ВАМ НЕОБХОДИМА КОНСУЛЬТАЦИЯ?

    Apartamentos en altea

    Наши консультанты по недвижимости в Вашем распоряжении, они проконсультируют Вас и помогут решить любые проблемы, связанные с покупкой или арендой недвижимости, а также юридическим оформления сделки.

    Понедельник/пятница: 9h — 17h Суббота: 10h -13h

    Найди нас.

    Apartamentos en altea Apartamentos en altea Apartamentos en altea Apartamentos en altea

    Консультирование по недвижимости

    Искать жилье в Коста-Бланка, отдых апартаменты в Altea, виллы и апартаменты в продаже в Бенидорм, Алтея, Альфас дель Пи и La Nucia.




    Palermo – Ipershop – Vendita cucine, camerette e complementi arredo, camerette moderne.

    #Camerette #moderne


    Camerette moderne

  • -50% su molti modelli

    Soluzioni per qualsiasi fascia di prezzo!

    Cucine bloccate

    Soluzioni a basso budget

    Utensili da cucina

    Scopri idee originali e soluzioni pratiche!

    LE CAMERETTE

    La cameretta che vuoi scontata del 30%

    Divano in promozione 399€

    Rete elettrosaldata, ampia gamma colori, materasso compreso

    Reti & Materassi

    Ampio scelta di materassi e reti a doghe

    Letti matrimoniali e singoli

    Matrimoniali, singoli, una piazza e mezza

    Composizioni per ufficio

    Arredi per ufficio e studi professionali

    Arredamenti su misura

    Mobili e soluzioni d’arredo su misura

    IPERSHOP dal 1975! Il rapporto umano di una bottega di altri tempi.

    Lattenzione nella progettazione, nellinstallazione dei prodotti, la scelta di partner commerciali e industrie assolutamente italiane, ci rendono unazienda diversa dalla grande distribuzione.

    Le nostre linee e le nostre numerose offerte su cucine, camerette, divani, arredo ufficio, reti e materassi, rispondono ad ogni esigenza. Insieme a voi troviamo le giuste soluzioni darredo, instaurando rapporti di fiducia che durano nel tempo, da più di 40 anni e da due generazioni.




  • Gebrauchtwagen fьr Bцblingen und Sindelfingen, Gebrauchtfahrzeuge, gebrauchte PKW und KFZ, Ankauf, Verkauf, by werbeagentur, gebrauchtwagen suche.

    #Gebrauchtwagen #suche


    Gebrauchtwagen fьr Bцblingen und Sindelfingen

    Auf unseren Seiten kцnnen Sie sich in Ruhe Ihr Wunschfahrzeug aussuchen. Unsere stets aktuellen Gebrauchtwagen-Angebote mit ausfьhrlichen Informationen erhalten Sie bequem per Mausklick auf Ihren Bildschirm.

    Da der Bildschirm das Fьhlen und Sehen in natura natьrlich nicht

    ersetzen kann, sind Sie zum Probesitzen und zur Probefahrt

    Unser Schwerpunkt liegt auf Jungwagen und Jahreswagen.

    Sollte Ihr Wunschfahrzeug bei uns nicht auf Lager sein – fragen Sie uns! Wir haben stдndig Zugriff auf mehrere tausend Jung- und Jahreswagen!

    Wir vertreiben hauptsдchlich

    Mercedes-Benz, Jeep, Dodge, Chrysler, BMW, Opel, Porsche, VW, Ford und Audi.

    Sie finden aber auch andere gepflegte

    Gebraucht- PKW und Kombi in unserem

    Angebot. Bitte klicken Sie dafьr auf

    Fahrzeuge in der Navigation.

    Wir sind Mitglied im Bundesverband freier KFZ-Hдndler (BVFK).

    Zu Ihrer Sicherheit ist fьr fast alle Fahrzeuge eine Gebrauchtwagen-garantie der REAL GARANT VERSICHERUNGS AG erhдltlich!

    Viel SpaЯ beim Stцbern auf unseren Seiten wьnscht Ihnen

    Gebrauchte PKW und KFZ, Ankauf und Verkauf

    von Gebrauchtfahrzeugen, Jeeps, Kombis .

    fьr Bцblingen und Sindelfingen

    Eine Sache des Vertrauens.

    Versicherung Leasing, TЬV-Gebrauchtwagenzertifikat in Bцblingen und Sindelfingen

    Qualitдt, Fairness und Verantwortung sind unsere Stдrken. Gebrauchtwagen suche

    Wir bieten Ihnen nur Fahrzeuge an, von deren Qualitдt wir auch selbst ьberzeugt sind. Als zusдtzliche Absicherung ist jedes unserer Fahrzeuge (bis zu einem Fahrzeugalter von 12 Jahren und einer Laufleistung von 180000 km) mit einer Garantieversicherung* ьber unseren Partner, die REAL GARANT Versicherungs AG, ausgestattet.

    Auf Wunsch bieten wir Ihnen auЯerdem fьr jedes Fahrzeug ein unabhдngiges Sachverstдndigengutachten an, das TЬV-Gebrauchtwagenzertifikat.

    Ihre Finanzierungswьnsche regeln wir gerne zu fairen Konditionen ьber unseren langjдhrigen Finanzierungspartner, die GE MONEY BANK.

    Auch eine Inzahlungnahme Ihres gepflegten Gebrauchtfahrzeuges ist mцglich.

    *die genauen Garantiebedingungen erfragen Sie bitte bei uns.

    Kaufen und Verkaufen

    Ankauf, Verkauf von Gebrauchtfahrzeugen, fьr Bцblingen und Sindelfingen


    Trento Città – Sito ufficiale del Comune di Trento – Comune di Trento, definizione di distributore.

    #Definizione #di #distributore


    Definizione di distributore

    Mercoledì, 18 Aprile 2018

    Interruzione servizi di bike sharing

    Martedì, 17 Aprile 2018

    Trento: firmato accordo per progetti ferroviari

    Martedì, 17 Aprile 2018

    Alpini per la città, tanti i progetti a favore della.

    Martedì, 17 Aprile 2018

    Destate il parco, l’animazione estiva in piazza Dante

    Martedì, 17 Aprile 2018

    Suoni Urbani, un parco da sentire

    Martedì, 17 Aprile 2018

    Offset Magazine, redazione alla Bookique

    Martedì, 17 Aprile 2018

    Il Comune informa

    Proposte di collaborazione

    In primo piano

    Il nuovo Piano Regolatore Generale: un piano per Trento, città-foglia: è l’ora delle proposte dei cittadini

    Dal 28 marzo c’è un mese di tempo per presentare contributi e suggerimenti. Il dibattito sarà anche on line, sul portale FuturaTrento – Obiettivi PRG

    Lavaggio notturno delle strade cittadine

    A partire da lunedì 9 aprile e fino a venerdì 25 maggio, dal lunedì al giovedì dalle ore 20 alle 3.30, il venerdì dalle 20 alle 2, Dolomiti Ambiente provvederà alle operazioni di spazzamento e lavaggio notturno delle strade.

    Piano di sviluppo del Monte Bondone

    Percorso partecipativo che porterà, a fine aprile 2018, alla definizione della strategia di rilancio della montagna di Trento.

    Certificazione spese di ristorazione scolastica anno 2017

    Il Testo unico delle imposte sui redditi prevede la detraibilità delle spese per la frequenza di scuole dell’infanzia, del primo ciclo di istruzione e della scuola secondaria di secondo grado del sistema nazionale di istruzione sostenute nell’anno 2017.

    Bandi di gara

    Adunata degli alpini – selezione pubblica per l’assegnazione di posteggi per l’esercizio del commercio su area pubblica. Riapertura dei termini

    Il Comune di Trento riapre i termini per presentare domanda di partecipazione per l’assegnazione di 21 posteggi dedicati al settore alimentare per l’esercizio del commercio su area pubblica per la sola giornata di domenica 13 maggio 2018, a servizio dei partecipanti alla 91^ edizione dell’Adunata nazionale degli alpini

    Fornitura e consegna tramite trattativa privata di articoli merceria e materiale guardaroba vario per scuole provinciali dell’infanzia, nidi d’infanzia e centro genitori bambini

    Dal 01.08.2018 al 31.07.2022. Fornitura tramite trattativa privata – art. 21 co 4, L.P 23/90 e ss.mm.

    RDO Mepat 54081

    Selezione per affidamento incarico realizzazione di un percorso di formazione/supervisione

    Avviso di selezione comparativa per l’affidamento dell’incarico per la progettazione e la realizzazione di un percorso di formazione/supervisione professionale per i coordinatori delle équipes sociali del Servizio attività sociali – anno 2018.


    Synonyme, W – rterbuch – Spr – che, herkunftswörterbuch online kostenlos.

    #Herkunftswörterbuch #online #kostenlos


    Kostenloses multilinguales Wörterbuch und Synonymdatenbank

    Synonyme 1.317.078 Synonyme

    Reime

    Wort-Entdecker

    Herkunftswörterbuch online kostenlos

    Ab sofort kannst Du mit Woxikon noch mehr verdienen. Für jedes von Dir hochgeladene Schul-Referat zahlen wir Dir 3 Euro. Es können beliebig viele Referate hochgeladen werden.

    Wir zahlen 3 x pro Woche via Banküberweisung, PayPal oder Skrill auf ein Konto Deiner Wahl aus.

    Herkunftswörterbuch online kostenlos

    Ab sofort kannst du mit Woxikon bares Geld verdienen! Für jedes Synonym, dass Du uns meldest, bekommst Du Punkte, die Du sofort in Bargeld umtauschen kannst.

    Damit hilfst Du nicht nur anderen Nutzern passende Synonyme zu finden sondern tust auch etwas für deinen Geldbeutel.

    Herkunftswörterbuch online kostenlos

    Ab sofort findest du bei Woxikon umfassende Grammatik-Kompendien für 7 verschiedene Sprachen, darunter Deutsch, Englisch, Französisch, Spanisch, Portugiesisch, Italienische und in Kürze auch Latein.

    Jedes Kompendium umfasst lehrreiche Übungen mit Lösungen

    Herkunftswörterbuch online kostenlos

    Was passiert aktuell bei Woxikon?

    Erfahre mehr zum neuen Design, das nach und nach in allen Bereichen eingeführt wird, zu der neu gestalteten Startseite, der geplanten mobilen Version, dem von vielen Usern gewünschten Bonussystem zum Geld verdienen und weiteren Features, die aktuell umgesetzt oder für die Zukunft bei Woxikon geplant sind.

    Willkommen bei Woxikon!

    Woxikon startete als einfaches Wörterbuch, doch entwickelte sich in ein großes Lexikon von Übersetzungen, Synonymen, Reimen, Abkürzungen und vielem mehr.

    Woxikon ist ein multilinguales Wörterbuch und Lexikon von Übersetzungen, Synonymen und Abkürzungen. Der Online-Übersetzer kann zwischen Deutsch, Englisch, Französisch, Spanisch, Italienisch, Portugiesisch, Niederländisch, Schwedisch, Russisch, Polnisch, Finnisch, Norwegisch und Türkisch übersetzen und kann kostenlos benutzt werden. Er wird kontinuierlich erweitert.

    Darüber hinaus bietet Woxikon Konjugationstabellen und Begleittexte zur Grammatik. Wir empfehlen deren Nutzung als Zusatz zum Wörterbuch.

    Woxikon bietet Fremdsprachen-Enthusiasten eine Fülle an Möglichkeiten für die Entwicklung und Verbesserung ihrer Sprachkenntnisse.


    Vuelos – Ofertas de Vuelos Baratos, viajes a roma baratos.

    #Viajes #a #roma #baratos


    Vuelos

    Oferta de Vuelos

    Trenes

    • Salou

    España

    • Barcelona

    Europa

    • Oporto

    Larga Distancia

    • Miami

    El rincón de.

    Península Precio por trayecto, comprado ida y vuelta

    Europa Precio por trayecto, comprado ida y vuelta

    América Precio por trayecto, comprado ida y vuelta

    Destinos TOP

    Frankfurt Precio Ida y Vuelta

    Fuerteventura Precio Ida y Vuelta

    Dublín Precio Ida y Vuelta

    ¿Te gustaría ser un ave? ¿Quieres tener alas para viajar a cualquier lugar del mundo? En Nautalia hemos comprobado que no hace falta ser un pájaro para volar. Con nuestra amplia oferta de vuelos haremos que sientas la libertad en estado puro. Porque sabemos que poder estar en la otra punta del mundo con un solo click es una de las mejores sensaciones que uno puede experimentar.

    Podrás elegir los destinos con los que siempre has soñado entre nuestra gran variedad de opciones. Desde el mar Mediterráneo a las grandes islas de Oceanía pasando por el norte de África, las ciudades Europeas con más encanto, el mar Caribe y sus espectaculares playas. Descubrirás todo el legado histórico de los lugares más antiguos, los monumentos más increíbles y de importante relevancia, paisajes para el recuerdo, las personas más diversas e interesantes, culturas distintas y muy enriquecedoras, los sitios más exóticos, las playas más impresionantes y. ¡mucho más!

    ¿Vas a perderte todo lo que te estamos poniendo en las manos? Además, en Nautalia siempre estamos pensando en ti para surtirte de posibilidades, en este caso, en forma de vuelos con ¡los mejores precios! ¿A qué estás esperando? ¡Aprovecha todas las ofertas que estamos consiguiendo para ti! Te lo ponemos muy fácil para que desde cualquier sitio, en el momento que quieras, de forma cómoda y sencilla, puedas reservar tus vuelos en nuestra web. En un solo click podrás volar a cualquier parte como si fueras tan ligero como un pájaro. Por supuesto, podrás elegir viajar con las compañías aéreas más prestigiosas del mundo, que aportarán el servicio, el confort y la comodidad de primer nivel que exiges para todos tus vuelos. Además, nuestros empleados siempre te ofrecerán los mejores destinos y al mejor precio. Sólo tienes que desear cada destino, pulsar el ratón de tu ordenador o visitar una de nuestras 200 oficinas y volar a cualquier parte para disfrutar de los lugares con los que siempre has soñado. En el mundo existen maravillas que resultan difíciles de imaginar, así que no dejes que te las cuenten y. ¡Empieza ya a volar!


    Servicio Nacional de Aduanas – Consejos para Viajar a Argentina, viajar argentina.

    #Viajar #argentina


    Consejos para Viajar a Argentina

    Chilenos: Cédula Nacional de Identidad o Pasaporte, vigentes.

    Argentinos: Documento Nacional de Identidad, Cédula de Identidad o Pasaporte, vigentes. También rige la Libreta de Enrolamiento o Libreta Cívica.

    • Los chilenos y extranjeros menores de 18 años de edad que viajan sin la compañía de sus padres o representante legal, deberán portar su cédula de identidad o pasaporte vigente y una autorización notarial, sin legalización consular.
    • El menor que viaje con uno de los padres requiere su cédula de identidad o pasaporte vigente y una autorización notarial del padre que no lo acompaña.
    • En caso que no pueda otorgarse este permiso o se niegue, el interesado deberá concurrir al Juzgado de la Familia, del lugar donde resida el menor, quien podrá otorgarle la autorización.
    • Menores adoptados deberán cumplir los mismos requisitos.
    • Toda persona que desee ingresar a Chile deberá efectuar una declaración jurada, indicando si porta un producto o subproducto animal o vegetal en un Formulario de Declaración Jurada del Servicio Agrícola y Ganadero (SAG) y el Servicio Nacional de Aduanas.
    • En este formulario se indican los productos que están prohibidos de ingresar al país (Descargar aquí).
    • Perros y gatos: El ingreso de perros y gatos al país es controlado por el Servicio Agrícola y Ganadero (SAG) para evitar que la internación de estas mascotas provoque la introducción de enfermedades transmisibles. (Ver requisitos y documentos)
    • Ingreso de otros animales a Chile. (Ver más)
    • Debe tener en regla toda la documentación del vehículo, la que será minuciosamente revisada en la Aduana. El documento más importante es el Certificado de Inscripción en el Registro Nacional de Vehículos Motorizados” -comúnmente llamado padrón – que otorga el Registro Civil, y que acredita la propiedad del vehículo. Si no tuviera este documento a mano, es posible bajarlo de Internet a través de la página del Registro Civil.
    • El conductor debe portar Licencia de Conducir vigente.
    • El vehículo debe ser conducido por su propietario o el conductor debe presentar autorización notarial del propietario para la salida del vehículo al extranjero.
    • Debe completarse el formulario web (desde aquí), imprima 2 copias, antes del control de la Aduana chilena. Tiene una validez de 180 días, dentro de los cuales el vehículo debe retornar al país o solicitarse prórroga a la autoridad aduanera que corresponda.
    • El vehículo debe contar con el Permiso de Circulación, Certificado de Revisión Técnica y Seguro Obligatorio contra daños a terceros vigente, exigido por la República Argentina. Dicho seguro puede ser contratado en diversas empresas chilenas, pero no está disponible para su adquisición en los pasos fronterizos.
    • Portar moneda local (peso chileno y peso argentino) para el pago de peajes en la frontera. (Paso Los Libertadores)
    • Que no es posible alargar el Seguro contra Daños a Terceros una vez que se encuentre en Argentina
    • Ante cualquier duda, puede consultar a nuestras Oficinas de Informaciones a lo largo del país.

    Un conductor menor de 25 aсos puede pagar por su seguro de coche el triple que uno de 40, Motor, EL MUNDO, seguros de coche para jovenes.

    #Seguros #de #coche #para #jovenes


    Un conductor menor de 25 aсos puede pagar por su seguro de coche el triple que uno de 40

    Los jуvenes conductores pagan una media de 1.581 euros por su seguro de coche, un 105,9% mбs que los conductores de entre 26 y 35 aсos

    La juventud y la falta de experiencia al volante suele pagarse mбs caro a la hora de contratar un seguro de coche. Muchas aseguradoras rechazan asegurar a conductores menores de 25 aсos y las que lo hacen, suelen cobrar una prima bastante mбs elevada que al resto. Asн, segъn un estudio de Kelisto, un conductor joven paga de media un 158% mбs por su seguro de coche que uno de 40 aсos. Sin embargo, pensando en las dificultades que tiene este colectivo, tambiйn hay compaснas que han lanzado al mercado productos pensados para ellos.

    Segъn las estadнsticas, la imprudencia y la falta de experiencia al volante de los mбs jуvenes incrementan la probabilidad de que tengan un accidente de trбfico. A la vista de estos datos, las compaснas de seguros consideran que el riesgo de asegurar a un conductor menor de 25 aсos es mayor que el beneficio obtenido, de ahн que el precio de las pуlizas para este colectivo sea mayor.

    De hecho, segъn un estudio elaborado por Kelisto, los jуvenes conductores pagan una media de 1.581 euros por su seguro de coche, un 105,9% mбs que los conductores de entre 26 y 35 aсos, que abonan 768 euros de media, y un 158% mбs que un asegurado de entre 36 y 50 aсos, que paga una media de 612 euros por seguro. Estas diferencias todavнa son mayores en el caso de que optes por una pуliza a todo a riesgo, que es la que presenta las mayores desigualdades. En este caso, si eres menor de 25 aсos puedes llegar a pagar por tu seguro el triple que un conductor de 40 aсos, ya que la prima media para el colectivo de entre 36 y 50 aсos se sitъa en 1.160 euros frente a los 3.283 euros que paga de media un conductor menor de 25 aсos.

    Asн, si tienes entre 18 y 25 aсos y quieres ahorrar algo a la hora de asegurar tu coche es necesario que tengas en cuenta una serie de factores. Estб claro que la prima varнa sustancialmente dependiendo de la modalidad que contrates (la diferencia entre un seguro a terceros y uno a todo riesgo es importante). La mayor parte de los siniestros en los que se ven envueltos los jуvenes son leves, por lo que si tu coche es de segunda mano y de cierta antigьedad, quizб te convenga optar por soluciones de aseguramiento mбs bбsicas.

    Por otro lado, si tienes que adquirir un vehнculo, optar por uno de menor cilindrada te permitirб ahorrar en el precio de tu seguro. Y, por supuesto, compara las ofertas de diferentes aseguradoras. La diferencia de precio entre los productos de las distintas compaснas del mercado puede ser elevada, por lo que es importante que no te quedes con la primera opciуn.

    Ademбs, conscientes de las dificultades que tiene este colectivo, hay compaснas que han lanzado al mercado productos pensados especнficamente para ellos. Es el caso del seguro YCAR de Mapfre, dirigido a jуvenes de entre 18 y 30 aсos. Este seguro ofrece cinco modalidades con diferente nivel de cobertura, que van desde la YCAR Bбsica -que incluye el seguro obligatorio, la responsabilidad civil suplementaria, asistencia en viaje (Km. 0), defensa jurнdica y reclamaciуn de daсos, responsabilidad civil por remolques y caravanas y por los objetos transportados en el vehнculo, seguro del conductor y acontecimientos extraordinarios (daсos personales)- hasta YCAR Todo Riesgo 100, que ofrece las coberturas mбs completas con ventajas y prestaciones mejoradas y vehнculo de sustituciуn (sin franquicia).

    Mutua Madrileсa tambiйn tiene un seguro para jуvenes de entre 18 y 26 aсos, que incluso ofrece determinadas ventajas y bonificaciones. Entre sus peculiaridades se encuentra la posibilidad de dar hasta tres partes al aсo sin que se penalice en las bonificaciones conseguidas. Balumba es otra de las aseguradoras que tiene un producto especнfico dirigido a conductores jуvenes. Ademбs de unos precios competitivos, la compaснa ofrece seguros que se adaptan a las necesidades de cada conductor, con pуlizas personalizadas, ya que se pueden aсadir coberturas opcionales a las que incluyen sus modalidades de todo riesgo -con y sin franquicia-, terceros y terceros ampliado.

    AXA tambiйn tiene un producto dirigido a jуvenes. Es el seguro AutoFlexible, para conductores de entre 18 y 29 aсos, que permite contratar y pagar sуlo por aquellas coberturas que necesitas. El seguro para jуvenes de Lнnea Directa ofrece a los conductores menores de 26 aсos dos tipos de pуliza: La Pуliza Jуvenes y la Pуliza Junior. Ademбs, independientemente del seguro contratado Lнnea Directa ofrece un servicio de asistencia nocturna para jуvenes.

    Otro seguro que, por sus caracterнsticas, es idуneo para conductores jуvenes que conduzcan de manera responsable, eviten las horas mбs peligrosas (las nocturnas), circulen por vнas seguras y no utilicen mucho el coche es el Pago como conduzco, de Generali. La compaснa instala en el coche un pequeсo dispositivo, que recoge toda la informaciуn de la manera de conducir del usuario. En funciуn de la misma, Generali ajusta cada mes la prima inicial e incluso devuelve dinero si se conduce mejor de lo que se habнa dicho. La aseguradora calcula que el ahorro en la prima del seguro puede llegar hasta el 40%.

    Temas Relacionados

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    Comparar seguro de coche ahorrando, comparar seguros de coche.

    #Comparar #seguros #de #coche


    bankcook

    Elegir el seguro de coche con el que más vamos a ahorrar sin renunciar a ninguna protección indispensable para nosotros es una tarea compleja que requiere tiempo de análisis de las mejores opciones en el mercado.

    La ley española indica que el seguro de coche es obligatorio con una cobertura de responsabilidad civil en caso de que tengas un accidente que involucre a un tercero, aunque la mayoría suele decantarse por coberturas más completas, como Todo Riesgo o el seguro de Terceros Ampliado.

    Recurrir a comparadores como rastreator o acierto es una buena decisión a la hora de evaluar las mejores opciones en el mercado. Además, hay que tener muy claras las coberturas que queremos para comparar realmente el mismo producto entre las distintas aseguradoras que estemos comparando.

    Las aseguradoras utilizan tres vías principalmente de distribución para contratar un seguro de coche. Puede ser por teléfono, por internet o mediante corredurías en las que te atienden personalmente. Es muy importante también tener clara la vía de distribución que queremos usar para contratar nuestro seguro, pues en función de esto, si contratamos por internet y prescindimos de las opciones de contacto vía teléfono con la aseguradora, podemos obtener grandes descuentos. Tú estilo de vida debe determinar tu necesidad, sino te manejas bien con internet o te gusta tener una persona que te atienda cara a cara en caso de problemas, lo mejor es acudir a una correduría, aunque no por ello debes pensar que contratar un seguro solo con contacto por internet es mala opción, pues en muchos cosas obtienes una atención excelente y deslocalizada.

    En resumen, la clave a la hora de elegir la mejor aseguradora para tu coche es:

    1º Tener claro nuestro perfil de usuario para elegir el mejor canal de contratación.

    2º Decidir que tipo de cobertura en el seguro queremos contratar y comparar las opciones con las mismas coberturas.

    2º Comparar mucho todas las ofertas tanto de precios como de coberturas, para evitar desplazamientos a una oficina física, independientemente del canal elegido para la contratación, en esta fase hacer uso de comparadores de seguros, como bankcook para productos financieros, pero especializado en seguros.


    Ville in affitto a Cortona – Ville con piscina e giardino per vacanze in Toscana, ville vacanze.

    #Ville #vacanze


    Villas in Cortona

    Seleziona la lingua

    • Villa Santa Maria In collina, a pochi passi da Cortona
    • Villa Caselle Il nostro casolare di campagna
    • Villa Olea Antica colonica nella collina cortonese
    • Casale Cantalena Vivere la montagna cortonese
    • Villa la Pineta A pochi passi dal mare toscano

    Richiesta Disponibilità

    Villas in Cortona, affitti turistici in Toscana

    Villas in Cortona ГЁ il sito che vi offre la possibilitГ di trascorrere le vostre vacanze in Toscana, in ville esclusive dotate di tutti i comfort e di una piacevole privacy. Restauriamo ed arrediamo con la massima cura le nostre strutture per mettervi di fronte a ville che hanno mantenuto il loro aspetto originario ma che nel contempo sono dotate di tutti i comfort dell’era moderna. Gran parte delle nostre proprietГ si trovano a Cortona, incantevole cittГ etrusca adagiata nelle colline al confine con l’Umbria, ed una a San Vincenzo al centro del parco di Rimigliano a pochi passi dal mare della riva degli etruschi.

    In campagna, in collina, in montagna immersi nei boschi piГ№ incontaminati o a poche centinai di metri dal centro storico o dal mare piГ№ incontaminato; dall’affitto mensile a quello settimanale fino all’offerta per il weekend; qualunque sia la nostra richiesta troveremo la struttura adatta per voi.

    Le richieste del turista sono cambiate negli ultimi anni rivolgendosi sempre di piГ№ verso strutture esclusive con elevata qualitГ dei servizi offerti e figure professionali preparate che facciano da riferimento durante il soggiorno. Noi abbiamo cercato di capirle cercando di fare in modo che la nostra offerta sia la soluzione ideale per la realizzazione della vostra vacanza dei sogni. Cercate sul nostro sito la vostra villa preferita in base alle vostre esigenze e gusti e… buone vacanze.

    Contatta Villas in Cortona: ville con piscina, casali di montagna e di campagna a Cortona e San Vincenzo, Toscana.


    La Seguridad JurГ­dica en el Derecho Tributario, abogado tributario.

    #Abogado #tributario


    La Seguridad JurГ­dica en el Derecho Tributario

    La seguridad es el contexto dentro del cual se toman las decisiones individuales y las interacciones de los actores sociales, para ellos, es la expectativa de que el marco legal es y ser confiable, estable y predecible. Para que as sea, es indispensable que las decisiones de los actores pol ticos se tomen seg n el sentido l gico de la norma y no seg n la l gica de la discrecionalidad.

    “La palabra seguridad proviene de securitas, la cual deriva del adjetivo securus (de secura) que, significa estar libre de cuidados. En sentido amplio, la palabra, seguridad indica la situaci n de estar alguien seguro frente a un peligro”.

    Debemos de considerar que ese sentimiento de seguridad frente a las posibles contingencias que se presentan en sociedad, por la naturaleza misma de las caracter sticas de cualquier sociedad, debe ser procurada por el ente rector de las relaciones que dentro de ese marco de colectividad pueden llegar a darse.

    El Estado, como ente rector de las relaciones en sociedad, no s lo establece los lineamientos y normas a seguir, sino que en un sentido m s amplio tiene la obligaci n de establecer “seguridad jur dica al ejercer su poder de imperio.

    “La seguridad jur dica es la garant a dada al individuo de que su persona, sus bienes y sus derechos no ser n objeto de ataques violentos o que, si stos llegar n a producirse, le ser n asegurados por la sociedad, protecci n y reparaci n.

    Dicho en otras palabras, la seguridad jur dica es la certeza que tiene el individuo de que su situaci n jur dica no ser modificada m s que por procedimientos regulares, establecidos previamente”.

    El hombre posee una serie de derechos que le han sido reconocidos por el Estado desde el nacimiento de esta figura de organizaci n social. La finalidad ltima del Estado es asegurar los medios para que las personas que habitan dentro de su territorio gocen de la estabilidad y la seguridad de que sus facultades, posesiones y su persona, no podr n ser violentados sino por procedimientos regulares, establecidos dentro de un sistema de derecho positivo vigente, general, heter nomo y equitativo.

    “La seguridad jur dica es uno de los bienes m s preciados que el Estado garantiza. En alguna medida, una de las principales justificaciones de la existencia del Estado ha sido precisamente que, mediante el monopolio de la violencia, asegura la existencia de la sociedad y la paz interior. No s lo esto, sino que la observancia general de las normas jur dicas y mandatos de autoridad permiten que los individuos se muevan dentro de un marco legal con igual libertad y autonom a y que realicen sus planes de vida. De ah la pretensi n de obligatoriedad inexorable que caracteriza a un ordenamiento jur dico”.

    A fin de que los miembros de una sociedad logren el tan a orado “bien com n” es absolutamente necesario el establecimiento de un marco legal s lido y de una convicci n real de sus integrantes por vivir en completa observancia de sus disposiciones, es por esto que la “seguridad jur dica” plena es un sue o imposible para las sociedades modernas.

    Es posible lograr un orden aceptable y una seguridad jur dica palpable en aspectos del Estado m s espec ficos, para que en su conjunto logremos el establecimiento de una sociedad m s justa y segura para sus integrantes.

    En efecto no podemos dejar de lado la necesidad de establecer “seguridad jur dica” en uno de los objetivos primordiales del Estado, como es la captaci n de recursos para la realizaci n de sus fines, el derecho tributario.

    El Dr. Ra l Rodr guez Vidal se ala que ” es inaplazable plantear que la seguridad jur dica debe darse tambi n a trav s del derecho tributario, por lo que si entendemos por ordenamiento financiero el conjunto de normas que disciplinan la actividad financiera del Estado y, por tanto, tambi n la actividad tributaria, lo primero que hay que apuntar es que tal ordenamiento p blico constituir un sistema de seguridad jur dica formal; luego entonces, podemos afirmar que la imposici n, es una actuaci n p blica sujeta a reglas y limites establecidos por el derecho, por lo que pagar impuestos, ser una de las principales manifestaciones de la sujeci n al Estado”.

    Las imposiciones del Estado en materia tributaria, como todas las materias, se encuentran sujetas a las normas relativas que establecen l mites y directrices a seguir para en su caso, afectar la esfera jur dica de los gobernados en un plano de legalidad que le otorgue plena seguridad de que dicha afectaci n se encuentra ajustada a Derecho y tiene como fundamento m ximo los principio Constitucionales que rigen una sociedad determinada.

    Todo gobernado tiene la ineludible obligaci n de contribuir al gasto p blico a trav s de sus contribuciones que son el principal medio de sostenimiento del Estado, “Sin embargo vemos con preocupaci n como la legislaci n fiscal es compleja, imprecisa y algunas ocasiones arbitraria, siendo modificada constantemente, donde el papel del fisco se circunscribe nicamente a fines evidentemente recaudatorios, generando en el contribuyente incertidumbre e inseguridad jur dica; dej ndole adem s, el sabor de un trato injusto al no tomar en cuenta su personal capacidad econ mica, es el caso en este sexenio gubernamental federal de los constantes reclamos rec procos entre congreso de la uni n y ejecutivo federal, sobre los saldos de la llamada “nueva hacienda distributiva”.

    Esta ineficiente cultura contributiva a la que se someten los pa ses en desarrollo como lo es M xico, exige el establecimiento de nuevos mecanismos para la salvaguarda de los derechos fundamentales, ya que a trav s de un sistema tributario que tenga como principal caracter stica la de procurar la seguridad jur dica tributaria, se puede lograr un desarrollo significativo y sostenido.

    Asimismo, no podemos pasar por alto que un aspecto important simo de la seguridad jur dica tributaria es el establecimiento de los medios de defensa a favor de los contribuyentes en caso de presentarse controversias con el Fisco, tema al que el Lic. Rodrigo Mu oz Seraf n manifiesta que “en efecto, muchas veces se ha discutido que la complejidad de las disposiciones fiscales y el laberinto procesal en que se han convertido los recursos administrativos, deviene en la necesidad de incurrir en altos costos para la defensa de los intereses de los contribuyentes, mismos que en muchas ocasiones obligan a stos a aceptar una resoluci n fiscal sin controvertirla, pues es menos oneroso aceptarlas y pagarlas, que ejercer su derecho de ser o do y vencido en juicio.

    La seguridad jur dica exige el reconocimiento de la persona y de la soberan a del pueblo, pero tambi n de la supremac a constitucional, de la divisi n entre los poderes constituidos, del poder judicial independiente y de la administraci n sometida a la ley, de la representaci n pol tica y la oposici n y del control del poder.

    Arrioja Vizca no, Adolfo, Derecho Fiscal, Edit. Themis, M xico 2001.

    Magaloni, Beatriz, La Desobediencia Civil en la Democracia Social, Edit. ITAM, M xico 1990.

    Mu oz Seraf n, Rodrigo, Comentarios a las facultades conferidas a la Procuradur a Federal del Contribuyente, Ponencia, Durango, Dgo., 2004.

    Nuevo Diccionario Jur dico Mexicano, Tomo P-Z; M xico Porr a/ U.N.A.M., 2001.

    Rodr guez Vidal, Ra l, Cometarios en Torno al Ombudsman Fiscal, Ponencia, Durango, Dgo., 2004.

    Lic. Jos Guillermo Metlich de la Pe a

    UNIVERSIDAD AUT NOMA DE COAHUILA

    FACULTAD DE CONTADUR A Y ADMINISTRACI N


    Calcolo della rata del mutuo, mutuo online calcolo.

    #Mutuo #online #calcolo


    Calcola la rata del mutuo

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

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

    Perchè scegliere Calcoloratamutuo.org ?

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

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

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

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

    Calcolatori online indipendenti vs comparatori o software “brandizzati”

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

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    Gewerbeversicherungen im Vergleich – Anbieter Check, haftpflichtversicherung vergleich.

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    Home, ITALIA POLE DANCE CONTEST, regolamento.

    #Regolamento


    Regolamento

    OFFICIAL SUPPORTER

    Classifiche I.P.D.C. 2018

    Si è svolta il 13,14,15 Aprile 2018 la VI edizione di POLE POSITION-Italian Pole Dance Contest.

    Potete visualizzare i video delle performance in gara dal canale you tube di POLE POSITION

    Non tutti i video saranno visualizzabili da supporto mobile per problemi di copyright legati alle musiche utilizzate, purtroppo l’organizzazione non è responsabile delle scelte musicali degli atleti in gara.

    Di seguito le classifiche degli atleti divisi per categoria.

    La giuria poteva scegliere di dare alcuni premi speciali ai vari atleti in ogni categoria, non sono stati attribuiti tutti i premi in quanto in alcune categorie la giuria non ha ritenuto ci fossero atleti che spiccavano in classifica oltre agli atleti vincitori. In quanto premi speciali dati dalla giuria non devono essere attribuiti obbligatoriamente.

    PREMI SPECIALI DELLA GIURIA

    CATEGORIA AVANZATO MASCHILE

    CATEGORIA AVANZATO FEMMINILE

    Per il primo anno sono state premiate anche le squadre partecipanti che hanno deciso di concorrere anche come team.

    I punteggi delle squadre sono dati dalle medie aritmetiche di punteggi dei singoli atleti. Di seguito le classifiche relative ai premi consegnati.

    POLE POSITION – Italian Pole Dance Contest è ideato e organizzato da Erika Esposito in collaborazione con SSD Female Arts Studio S.r.l.

    POLE POSITION is organized by Erika Esposito thanks to partnership with SSD Female Arts Studio S.r.l.

    CORSO GIUDICI I.P.D.C. 2018

    La sesta edizione di Italian Pole Dance Contest porta tantissime novità nel regolamento e nel Pannello Giuria.

    La competizione è cresciuta tantissimo e ogni anno vede la presenza di centinaia di atleti. Il numero delle performance e l’esperienza dell’ultima competizione ci ha portati a prendere una decisione importante, ma migliorativa: l’organizzazione formerà due pannelli giuria che si alterneranno nella valutazione come già avviene in altre competizioni nazionali e internazionali.

    I giudici che hanno frequentato e superato il corso potranno essere convocati per la prossima edizione di Italian Pole Dance Contest.

    Saranno presenti 2 pannelli giuria formati da 3 giudici generali e un capogiuria.

    Domande Frequenti

    In questa sezione inseriremo le domanda che riceviamo dagli atleti o dagli insegnanti che stanno preparando gli atleti. Vi consigliamo di leggere questa parte prima di rivolgersi all’organizzazione. Buona Allenamento!


    Term Life Insurance Quote Calculator, TIAA, insurance term life.

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    TIAA Life s term life insurance premiums are tiered, with progressive discounts for coverage amounts of $250,000 (to less than $500,000), $500,000 (to less than $1,000,000) and $1,000,000 or more. If you have asked for a quote on an amount close to the next band break (for example, you requested a quote for $450,000 of coverage), you may wish to submit a second quote request (in this case for $500,000) to see if the premium for the amount is actually less than the premium for the coverage amount you originally requested.

    Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your policy. Please call us at 877-531-5687 for more information. Please note that TIAA-CREF Life Insurance Company has the right to contest the policy for misrepresentation by the applicant.

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    Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

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    The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

    TIAA-CREF Individual Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC , distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each of the foregoing is solely responsible for its own financial condition and contractual obligations.

    Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

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    No Medical Exam Life Insurance: Globe Life Official Site, no exam life insurance.

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    Haga Negocios, Ideas de Negocios para Ganar Dinero, idea de negocios.

    #Idea #de #negocios


    Haga Negocios

    Ideas de negocios para ganar dinero

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    Idea de negocios

    Video con las 50 preguntas con sus respuestas para una entrevista de trabajo

    He procedido a hacer un video de nuestro artículo referido a las 50 preguntas con sus respuestas para una entrevista de trabajo. Tal vez resulta [Leer Más. ] about Video con las 50 preguntas con sus respuestas para una entrevista de trabajo

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    Video que explica el método Star para contestar preguntas en una entrevista de trabajo

    A continuación un video que explica la metodología STAR para contestar preguntas en una entrevista de trabajo y que se pueda destacar con las mismas [Leer Más. ] about Video que explica el método Star para contestar preguntas en una entrevista de trabajo

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    Video con un método eficaz sobre como acabar con mis deudas de tarjeta de crédito

    Si Como comenté en otro post, estoy relanzando mi canal de YouTube (te invito a suscribirte) y como parte de dicho relanzamiento estoy procediendo a [Leer Más. ] about Video con un método eficaz sobre como acabar con mis deudas de tarjeta de crédito

    Idea de negocios

    Haga Negocios entre los 10 primeros blogs en el ranking de negocios, finanzas y emprendimiento

    Que grato saber que el esfuerzo de hacer este blog es reconocido en un ranking que ha preparado Agustín Grau en su blog. Agustín Grau ha preparado [Leer Más. ] about Haga Negocios entre los 10 primeros blogs en el ranking de negocios, finanzas y emprendimiento

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    Relanzando nuestro canal de YouTube de Haga Negocios

    Estoy relanzando nuestro canal de YouTube que lo tenía totalmente abandonado dado que no entendía muy bien su mecánica. Para este relanzamiento he [Leer Más. ] about Relanzando nuestro canal de YouTube de Haga Negocios

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    Los regalos más pedidos o que más quieren las mamás en su día

    El día de la madre es un día especial pero además es un día donde muchos negocios realizan campañas especiales de sus productos y servicios dado que [Leer Más. ] about Los regalos más pedidos o que más quieren las mamás en su día

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    HubSpot lanza un nuevo servicio de CRM y de Marketing por internet gratis para facilitar e incrementar las ventas

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    Powtoon un servicio online para crear videos animados de tu idea de negocios

    No cabe duda que los videos en plataformas como YouTube o Facebook son muy populares. Las personas que están en internet generalmente prefieren ver [Leer Más. ] about Powtoon un servicio online para crear videos animados de tu idea de negocios

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    50 preguntas y respuestas usuales en una entrevista de trabajo

    Actualización: He preparado un video con estas 50 preguntas con sus respuestas por si te es más fácil escucharlas que leerlas. Puedes ver ese video a [Leer Más. ] about 50 preguntas y respuestas usuales en una entrevista de trabajo


    Prestiti Inps – Agevolazioni per dipendenti e pensionati, finanziarie prestiti.

    #Finanziarie #prestiti


    Finanziarie prestiti

    La creazione del Super Inps ha posto l’ente di previdenza al centro di una serie di servizi, tra i quali, in tempi di crisi, spiccano proprio i prestiti, mutui e varie forme di finanziamento che un tempo venivano erogati all’Inpdap (ulteriormente arricchiti da una serie di convenzioni che coinvolgono primari istituti di credito)e dall’ex Ipost per i dipendenti delle Poste Italiane.

    In tutte le ipotesi il vantaggio è dato dalla possibilità di poter fare affidamento su prestiti a tassi agevolati. Tuttavia si tratta di possibilità che non sono aperte a tutti, ed in particolare l’accesso diretto è garantito solo ai dipendenti pubblici di qualsiasi tipo o livello (dai carabinieri, o in generale forze armate, ai pensionati di qualsiasi ente, dai dipendenti statali, ecc), mentre i dipendenti privati, per poter usufruire dei prestiti Inps è necessario che siano familiari di dipendenti pubblici, con un accesso quindi indiretto, ma godendo degli stessi vantaggi (vedi anche Prescrizione debiti Inps).

    Ci sono poi ulteriori requisiti che bisogna avere, in primis l’iscrizione al Fondo della Gestione Unitaria delle prestazioni creditizie, dove bisogna anche aver maturato una certa anzianità contributiva.

    Affianco ai prestiti un tempo erogati dall’Inpdap e dall’Ipost si sono da qualche anno affermati i prestiti Inps per pensionati, ovvero una classica cessione del quinto della pensione, che viene erogata da banche e finanziarie. Questi istituti di credito hanno stretto accordi con l’ente previdenziale, per garantire condizioni migliorative rispetto a quelle garantite da società non convenzionate (tassi di interesse, mancanza di spese di gestione, ecc). Per conoscere gli Istituti che hanno fatto questi accordi, si può andare sul sito dell’Inps, oppure controllare che sul prodotto proposto sia riportata una dicitura che rimandi all’accordo in corso. L’elenco è comunque in continuo mutamento, così nel 2016 si trovano più società rispetto a quelle già presenti nellanno precedente.

    Prestiti Inps ex inpdap e ex Ipost

    Si tratta di tutte le tipologie di prestito un tempo erogate e gestite dall’Inpdap (vedi anche Finanziamenti Inpdap o dall’ex Ipost. I requisiti necessari sono sempre gli stessi, tra i quali la titolarità di contratti preferibilmente a tempo indeterminato (alcune eccezioni per quelli a tempo determinato), e l’iscrizione, con conseguente versamento alla Gestione Unitaria dei prestiti (vedi anche Guida al sito www.inps.it).

    Le condizioni economiche, i tassi applicati, e le modalità per cui possono essere concessi, con indicazione anche delle somme massime concedibili, vengono modificate sempre tramite la ridefinizione dell’apposito regolamento.

    La tipologia di finanziamenti accessibili sono: piccolo prestito Inpdap, prestito pluriennale Inpdap, cessione del quinto (pluriennale con garanzie) e mutui ipotecari per acquisto o ristrutturazione di immobili. I tassi di interesse sono molto più bassi rispetto a quelli in media imposti dalle banche sul mercato dei finanziamenti.

    L’erogazione del piccolo prestito Inps (indipendentemente dalla durata), e quella dei prestiti pluriennali non garantiti, viene fatta in funzione della presentazione cronologica delle domande, fino a quando la dotazione del Fondo è sufficiente a soddisfare le richieste. Può quindi succedere che una richiesta di finanziamento non venga soddisfatta, semplicemente perché non ci sono più soldi da assegnare.

    In questo caso è necessario ripresentare domanda in un secondo momento. A differenza di quanto accade per i finanziamenti classici, dove le condizioni di mercato possono rendere i tassi applicati meno favorevoli in un secondo momento, lo slittamento dei tempi di erogazione, non comporta un peggioramento delle condizioni applicate.

    Di contro in caso di urgente necessità di ottenere il prestito, si ha il rischio di non riuscire a ricevere la cifra nei tempi utili. Per evitare ritardi si deve usare l’apposita modulistica che deve essere presentata per via telematica ed è obbligatorio allegare tutti i documenti necessari richiesti, in quanto l’elevato numero di richieste fa sì che le domande non complete vengano automaticamente rigettate.


    Fabrica de Tortas ~ Venta de Tortas por Mayor, confiterias por mayor.

    #Confiterias #por #mayor


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    • Fabricantes de postres y venta de tortas por mayor para restaurantes y bares. Elaboracion de tortas heladas para eventos corporativos y venta al publico por mayor de tortas congeladas y tartas heladas.
    • Torta Selva Negra: Peso total: 1 Kg.
    • Relleno en 2 cortes. Crema chantilly con cerezas y dulce de leche.
    • Decoracion: Crema chantilly, chocolate negro y chocolate en barra.
    • Venta de fabrica de tortas por mayor, prepizzas y empanadas congeladas y tartas para bares y confiterias.

    Confiterias por mayor

    • Venta de tortas para casamientos y eventos empresariales ademas de fabrica de tortas artesanales heladas por mayor. Venta de tortas por mayor para bares y confiterias tanto en capital como en zona norte, oeste y sur.
    • Torta Morena: Peso total: 1 Kg.
    • Bizcochuelo de chocolate en 2 cortes, crema de chocolate.
    • Decoracion: Cobertura de chocolate y polvo crocante.
    • Fabrica de tortas congeladas para animadores de eventos y salones de fiesta. Venta de tortas por mayor para cumpleaсos de 15 aсos.

    Confiterias por mayor

    • Venta de tortas heladas, empanadas freezadas y todo lo necesario para cumpleaсos y eventos sociales. Fabrica de tortas por mayor y postres para cafeterias y confiterias, pizzas congeladas para salones de fiestas y bares.
    • Torta Rogel: Peso total: 1 Kg.
    • Laminas de masa crocante untadas con varias capas de dulce de leche.
    • Decoracion: Merengue italiano y dulce de leche.
    • Venta de tortas por mayor para rotiserias, fabrica de tortas para cumpleaсos, y venta de pizzas congeladas y postres helados.

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    • Fabrica de tortas y postres congelados para bares, rotiserias y restaurantes. Venta de tartas y tortas por mayor heladas para panaderias, restaurantes, y demas comercios gastronomicos.
    • Torta Molino: Peso total: 1 Kg.
    • Bizcochuelo de chocolate en 2 cortes. Mousse de chocolate y dulce de leche.
    • Decoracion: Mousse de chocolate y tabletas de chocolate.
    • Venta de tortas congeladas para restaurantes, Venta de tortas por mayor para cafeterias y bares, y tartas heladas por mayor.

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    Assicurazione Auto Storiche – Epoca: Preventivi Online -40%, Preventivi Assicurazioni, assicurazione auto online preventivo.

    #Assicurazione #auto #online #preventivo


    Assicurazione Auto Storiche Epoca

    I preventivi di assicurazioni auto storiche e le polizze assicurazioni auto depoca online sono un ottimo strumento per valutare le offerte disponibili sul mercato delle RC Auto.

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

    Effettuare il calcolo dellassicurazione per auto storica o depoca online consente di risparmiare notevolmente sul premio annuale: Scopri le migliori assicurazioni auto depoca e confronta in un click le diverse soluzioni.

    Come confrontare i preventivi?

    Differenza tra auto storiche e auto depoca

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

    Auto storiche e auto depoca:ASI e certificato didentità

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

    Vantaggi e Svantaggi delle polizze per auto depoca

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

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

    Tra i principali limiti delle assicurazioni per auto storiche segnaliamo:

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

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

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    Somministrazione al domicilio del consumatore, aprire uno studio legale.

    #Aprire #uno #studio #legale


    Aprire uno studio legale

    Ufficio competente

    Per lo svolgimento di un’attività di somministrazione al domicilio del consumatore è necessario rivolgersi all’ Unità Esercizi di Vendita e Contenzioso.

    Descrizione

    Per domicilio del consumatore si intende non solo la privata dimora, ma anche il locale in cui si trova per motivi di lavoro o di studio o per lo svolgimento di convegni, congressi o cerimonie.

    L’attività in genere comprende anche tutte le operazioni di rifornimento di cibo e bevande per mense, aerei, alberghi, stazioni ferroviarie, eccetera.

    • attività di catering che consiste nel fornire pasti già preparati alle mense aziendali, scolastiche, enti pubblici ecc;
    • attività di banqueting che consiste nel fornire pasti a domicilio per banchetti, matrimoni, fiere ed è comprensiva anche della preparazione dei tavoli/buffet, del servizio al tavolo, delle sedie, dei tovagliati, delle posaterie e delle stoviglie necessari all’erogazione del servizio nonché del riordino degli stessi.

      Requisiti

      • possesso dei requisiti soggettivi (morali e professionali) previsti dall’articolo 71 del D.Lgs n. 59/2010 ;
      • assenza di pregiudiziali ai sensi della legge antimafia.

      I requisiti morali devono essere posseduti dal legale rappresentante, in caso di società, o dal titolare, in caso di impresa individuale e dall’eventuale altra persona preposta all’attività.

      Presentazione della domanda

      Per svolgere l’attività occorre presentare, esclusivamente per via telematica al SUAP (Sportello Unico Attività Produttive) del Comune di Milano, tramite la piattaforma nazionale “Impresainungiorno.gov.it”, una Segnalazione Certificata di Inizio Attività (SCIA).

      Alla SCIA così redatta devono essere inoltre allegati:

      • schede per la dichiarazione del possesso dei requisiti morali e/o professionali previsti dall’art. n. 71 del D.lgs n. 59/2010 compresa Legge Antimafia dell’eventuale soggetto preposto;

      • documento di identità di tutti i soggetti che hanno sottoscritto autocertificazioni;

      • copia della ricevuta di versamento oneri ATS Città Metropolitana;

      • eventuale modello Procura per la sottoscrizione digitale della documentazione da parte di tutti i soggetti specificati.

      La presentazione della SCIA consente di iniziare subito l’attività.


    FUJITSU Image Scanner – Fujitsu Deutschland, hosting anbieter deutschland vergleich.

    #Hosting #anbieter #deutschland #vergleich


    FUJITSU Image Scanner

    Fujitsu ist ein führender Anbieter von Scannern, der in den Kategorien Arbeitsplatz-, Abteilungs- und Produktions-Scanner hochmoderne Scan-Lösungen bereitstellt. Fujitsu-Scanner bieten eine hohe Geschwindigkeit und Bildqualität sowie eine hervorragende Papierhandhabung bei einfacher Integration und Kompatibilität mit Scan-Anwendungen.

    ScanSnap

    ScanSnap-Scanner sind als mobile und anwenderfreundliche Dokumentenscanner ideal für kleinere Unternehmen geeignet.

    fi Series

    Scanner der fi Series von Fujitsu unterstützen größere Organisationen mit hochmodernen Scan-Lösungen.

    SP Series

    Scannen im Büro so einfach wie nie! Scanner der SP Series bieten eine einfache Bedienung und zuverlässige Leistung.

    Scanner-Softwarelösungen

    Unser Portfolio an Dokumentenerfassungssoftware für fi Series und ScanSnap Scanner optimiert erfasste Daten, minimiert Kosten, steigert die Produktivität und rationalisiert betriebliche Abläufe.

    Die Geschichte unserer Scanner

    Unsere Produktqualität und technologische Stärke haben uns die globale Marktführerschaft sowie den Verkauf von über 10 Millionen Scannern ermöglicht und bilden damit den Grundstein unserer Erfolgsgeschichte.

    Aktuelle News PFU (EMEA) Limited

    • Deutschland, München, 08. November 2017 PaperStream Capture Pro – Leistungsfähige Software für die Datenerfassung Die Fujitsu-Tochter PFU (EMEA) Limited präsentiert heute auf dem Fujitsu Forum in München die Scan-Software PaperStream Capture Pro. In Kombination mit den Dokumentenscannern der fi Series und SP Series können kleine und große Firmen sowie Behörden mit der Software Papier-basierte Informationen schnell in wertvolle Unternehmensdaten verwandeln.
    • Deutschland, München, 17. Oktober 2017 Cashback-Aktion für Endkunden von Fujitsu ScanSnapScannern Beim Kauf ausgewählter ScanSnap-Scanner können Endkunden ab sofort bis zu 75 Euro Cashback erhalten. Die Aktion gilt für Käufe zwischen dem 21 August und dem 21 Dezember 2017.
    • Deutschland, München, 13. September 2017 Weltweiter Verkauf von Fujitsu-Dokumentenscannern übersteigt die Zehn-Millionen-Marke Der weltweite Verkauf von Fujitsu-Dokumentenscannern hat einen bedeutenden Meilenstein erreicht: Mehr als zehn Millionen Exemplare wurden bislang verkauft. Das umfasst alle Scanner von PFU, die seit 1983 entwickelt oder hergestellt worden sind. PFU hat sich stets auf die Kundenanforderungen konzentriert und verfügt als einer der weltweit führenden Anbieter über ein breites Portfolio an Modellen für den professionellen Endanwender, Desktop-und Workgroup-Einsatz, für das Scannen im Netzwerk sowie für Produktionsumgebungen mit hohem Scan-Aufkommen.
    • Deutschland, München, 20. Juni 2017 Neuer President von PFU strebt Ausbau der führenden Position im Markt für Dokumentenscanner an Toru Maki ist neuer President und CEO von PFU (EMEA) Limited. In dieser Funktion betrachtet er es als seine Aufgabe, die Position von PFU als führender Hersteller von Lösungen für die Dokumentenerfassung in EMEA weiter auszubauen. Das Unternehmen will dies nicht nur durch Wachstum im HardwareGeschäft erreichen, sondern auch durch einen starken Fokus auf die PaperStream- und ScanSnap-Software sowie auf professionelle Dienstleistungen.
    • Deutschland, München, 31. Mai 2017 Partner-Netzwerk für ScanSnap Cloud wächst PFU (EMEA) Limited hat für ScanSnap Cloud neue Partner gewonnen: Expensify, Intuit, Concur und Shoeboxed. ScanSnap Cloud ist ein kostenloser Service, mit dem Anwender der Dokumentenscanner ScanSnap iX100 und ScanSnap iX500 direkt Dokumente in Cloud-Applikationen übertragen können.
    • Deutschland, München, 14. März 2017 Digitale Transformation auf der Überholspur: die neuen Fujitsu fi-7600 und fi-7700 Dokumentenscanner Mit den neuen Modellen fi-7600 und fi-7700 präsentiert die Fujitsu-Tochter PFU (EMEA) Limited zwei leistungsfähige Dokumentenscanner für die digitale Transformation. Die Neuzugänge können Dokumente bis zu einer Größe von A3 erfassen und verarbeiten Papiere mit unterschiedlichsten Grammaturen in einem Stapel. So sparen Unternehmen beim Digitalisieren hoher Volumen in professionellen Umgebungen Zeit und Geld. Der fi-7700 kombiniert einen automatischen Vorlageneinzug mit der Funktionalität eines Flachbettscanners. Im Vergleich zu Dokumentenscannern mit höheren Scan-Kapazitäten sind die beiden neuen Modelle erheblich flexibler einsetzbar

    Wichtig:

    Diese Bekanntmachung liefert Einzelheiten zu den derzeit verfügbaren Fehlerbehebungen.


    Definici – n de Mayorista – Concepto en Definici – n ABC, comercio minorista definicion.

    #Comercio #minorista #definicion


    Definición de Mayorista

    El concepto que nos ocupa en esta reseña dispone de una utilización especial en el plano comercial, dado que se trata de uno de los elementos más importantes a instancias del comercio; denomina al comerciante o comercio que vende al por mayor, en el caso del comerciante, y tratándose de un comercio diremos que en él se compra y vende al por mayor, o sea en grandes cantidades.

    Comerciante o comercio que compran y venden al por mayor, en grandes cantidades, y se diferencian de los minoristas que hacen lo opuesto

    Esta es la principal y saliente característica del mayorista vender grandes volúmenes de productos y no por unidad como sí ocurre con los comerciantes o comercios minoristas.

    Comercio minorista definicionSe designa mayorista al comerciante o al comercio que vende al por mayor. El mayorista es uno de los componentes de la llamada cadena de distribución, en este caso, la empresa no tomará contacto con el usuario final o consumidor final sino que le delegará esta tarea a un especialista.

    Intermediario entre el fabricante y el consumidor final

    El mayorista es de alguna manera el intermediario entre el que fabrica un producto y el consumidor final de ese producto. Es decir, el mayorista o distribuidor mayorista, como también se lo llama, le compra al productor, fabricante o a otro mayorista, y luego le venderá a un fabricante, otro mayorista, un minorista, pero nunca al consumidor final. O sea mayorista y consumidor final casi nunca interactúan podría decirse.

    Sin embargo, es una realidad que en la actualidad los mayoristas han perdido terreno frente a las grandes empresas de distribución y las asociaciones de minoristas, que están asumiendo algunas funciones que antes eran excluyentes del mayorista.

    En tanto, este nuevo escenario ha generado que muchos mayoristas decidan torcer un poco su camino y entonces es posible encontrarnos con mayoristas que sí le venden directamente al consumidor final aunque con algunas condiciones, por ejemplo que debe comprar una cantidad mínima de productos para poder acceder a la tarifa especial de precio al por mayor que este tipo le ofrece siempre por supuesto a sus compradores naturales, tales como comercios o distribuidores.

    Clases de mayoristas

    Existen diversos tipos de mayoristas, dependiendo de su localización pueden ser mayoristas de origen, o mayoristas de destino y otro criterio de clasificación es el de las vinculaciones que tengan con otros mayoristas, pudiendo ser independientes o centrales de compra.

    Principalmente, el mayorista se especializa en cuestiones como ser: manejo de grandes volúmenes de ventas, infraestructura adecuada para responder a ese volumen de ventas mencionado, capacidad logística para distribuir las mercaderías y control de crédito a su cartera de clientes.

    El secreto del negocio del mayorista: gran poder de almacenaje y capacidad de logística

    Justamente en la disponibilidad de grandes almacenes y galpones para poder almacenar gran cantidad de mercadería y la capacidad logística, o sea de poder distribuir efectivamente entre su cartera de clientes los productos es que está básicamente el secreto del éxito de los comerciantes o establecimientos mayoristas.

    Porque claro, cuanta mayor cantidad de mercancías sean capaces de almacenar y al mismo tiempo de distribuir entre sus compradores, mantendrán siempre activo el círculo de acopio y de ventas.

    Y en lo concerniente estrictamente a las ganancias de este sector debemos mencionar que en la cadena, como ya señalamos, el mayorista se sitúa en una posición intermedia ya que le compran los productos directamente al fabricante o a otro distribuidor mayorista, para finalmente vendérselo a otros comercios que le venden finalmente al último de la cadena que es el consumidor final.

    Esto permite que tengan la posibilidad de maximizar sus márgenes de ganancias como consecuencia que al comprar en grandes cantidades los productos siempre logran descuentos en los precios.

    Comercio minorista definicion


    10 idee per arredare la camera da letto piccola, idee per camera da letto.

    #Idee #per #camera #da #letto


    10 idee per arredare la camera da letto piccola

    Devi arredare una camera da letto piccola? Se non sai come fare, leggi i nostri suggerimenti.

    Chi vive in un monolocale o comunque deve fare i conti con spazi ridotti, ha spesso difficoltà nell’arredare casa, in primis la camera da letto, dove il pezzo da novanta, per così dire, è il letto. Ecco, allora, qualche trucco per sfruttare al meglio lo spazio senza rinunciare all’estetica.

    Letto a scomparsa

    Letto pieghevole cabinet e letto a scomparsa

    Divano letto con rete a doghe e secondo letto

    1. Letto alla francese: il letto king size è senza dubbio comodissimo, ma non sempre risponde alle reali necessità, soprattutto se non si è alti 2 metri! con il letto alla francese, invece, si recuperano almeno 20 cm e non crediate che sia poco in una camera di piccole dimensioni.
    2. Letto con cassettone: è una buona soluzione che permette di recuperare spazio per riporre coperte, biancheria, ecc.
    3. Letto a muro: se la stanza da letto è davvero molto piccola, è un ottima soluzione, anche dal punto di vista estetico. Una volta che il letto è chiuso all’interno della parete, infatti, la camera si trasforma in un salottino o uno studio.
    4. Letto soppalcato: anche questa è una valida soluzione per guadagnare metri quadri in più, lo spazio sotto il letto, infatti, può essere arredato o addirittura riutilizzato per creare una cabina armadio.
    5. Letto a scomparsa: sono una soluzione pratica, sia per la cameretta dei bambini che per la stanza matrimoniale.
    6. Armadi e cassettiere poco profondi: se gli armadi sono meno ingombranti in profondità la camera da letto sembrerà più spaziosa e l’ambiente meno soffocante.
    7. Colori chiari: è una scelta quasi obbligata. I colori chiari, infatti, dilatano lo spazio, mentre quelli scuri, ahinoi, lo rimpiccioliscono.
    8. Mensole o scaffalature aperte: sono perfette per recuperare spazio, anche ad altezza soffitto, l’importante, però, e non caricarle troppo.
    9. Specchi a parete: nelle camere di piccole dimensioni gli specchi sono uno dei trucchi più usati per dilatare gli spazi.
    10. Tv da parete a schermo piatto: se proprio non potete fare a meno del televisore, è la soluzione migliore.

    Preventivi Assicurazioni Trattore, assicurazione casa on line.

    #Assicurazione #casa #on #line


    Assicurazione casa on line

    Cosi come moto e auto anche trattori e macchinari agricoli devono avere un’assicurazione. Questa polizza deve tutelare i terzi da eventuali danni, ma deve soprattutto tutelare il guidatore, i passeggeri ed il mezzo stesso. Trattori e macchinari agricoli sono infatti generalmente usati per motivi commerciali ed imprenditoriali, nella maggior parte dei casi sono qualificati come veicoli destinati ad uso lavorativo e proprio per questo sono soggetti ad un rischio di danno maggiore.

    Gli esempi sono tanti e diversi: il trattore si guasta durante l’attività lavorativa, si provocano danni a terzi durante l’utilizzo del mezzo o durante uno spostamento su strada.

    Per trattori e macchine agricole la copertura assicurativa prevede una tariffa fissa ed ГЁ indipendente dal meccanismo bonus/malus. In pratica il premio assicurativo non varia tanto in assenza ma piuttosto varia in presenza di sinistri.

    Una delle differenze tra una polizza per i veicoli tradizionali e una polizza per trattori e macchine agricole ГЁ che, per quel che concerne macchine agricole e trattori, la polizza, pur coprendo i danni a terzi provocati dalla circolazione del veicolo, non copre dai danni provocati alla pavimentazione stradale provocati dalla circolazione di macchine munite di cingoli in acciaio.

    Cosa prevede il Codice della strada

    Il Codice della Strada decreta che tutti i veicoli a motore hanno l’obbligo di essere assicurati per la responsabilità civile, compresi i mezzi agricoli con motore. Per questo anche i trattori devono essere provvisti di RC, la copertura assicurativa che tutela per il risarcimento di danni a persone o a cose causati involontariamente a terzi dalla circolazione del veicolo. In materia di polizze assicurative, i trattori ed i macchinari agricoli hanno però alcune particolarità , come la previsione di una quota fissa e la non operatività del meccanismo bonus/malus e relative franchigie.

    Il rischio sosta

    Quando il macchinario è dotato di rimorchio è di fondamentale importanza tutelarsi con una polizza che copra anche i danni provocati dal movimento del rimorchio stesso. E’ altrettanto importante che ogni macchinario agricolo targato abbia la copertura denominata “rischio sosta”. Si tratta di una polizza completa consigliata soprattutto ai macchinari dotati di rimorchio, perché tutela il proprietario del veicolo dai danni provocati a terzi dal rimorchio fermo ma anche dai danni che derivano da manovre o da vizi di manutenzione.

    I massimali

    Con la recente modifica dell’art. 128 del Codice delle Assicurazioni quelli che fino a poco tempo fa erano i massimali delle polizze assicurative per trattori e macchinari agricoli sono raddoppiati ossia fino a 1 milione di Euro per i danni alle cose e fino a 5 milioni di Euro per i danni alle persone (indipendentemente dal numero delle eventuali vittime). Nel caso in cui il valore del danno alle persone si inferiore all’importo minimo assicurato, la restante copertura sarà destinata a coprire i danni alle cose.

    Casi di invaliditГ della polizza

    Esistono ipotesi in anche si vi ГЁ la copertura assicurativa questa ГЁ invalidata e non si puГІ dunque ottenere il risarcimento e cioГЁ:

    • Quando il conducente non ha la patente o non possiede la patente specifica per guidare trattori o macchinari agricoli;
    • Quando si tratta di veicolo a noleggio con conducente;
    • Quando si ГЁ assicurati con guida esclusiva, ed al momento del sinistro il veicolo era guidato da un’altra persona;
    • Quando il danno ГЁ intenzionale.

    Cosa serve per assicurare un trattore

    Chi si dedica per hobby o per lavoro alla cura del proprio terreno agricolo ha dunque obbligo e necessitГ di assicurare il proprio mezzo. Per farlo occorre chiedere diversi preventivi assicurazioni trattori.

    Per fare i preventivi assicurazioni trattori, non è necessario alcun dato particolare, ma consegnando all’addetto il libretto di circolazione (oltre all’eventuale attestato di rischio, ricevuto obbligatoriamente un mese prima della scadenza, anche se non viene applicata la tariffa bonus malus) da cui si evincerà se il mezzo agricolo sarà utilizzato in conto proprio (parliamo dell’utilizzo personale che fa il privato o l’azienda agricola per i propri terreni) o in conto terzi (i casi in cui i proprietari dei trattori utilizzano i mezzi o li cedono per un determinato periodo di tempo ad altri soggetti, anche per il trasporto di prodotti derivati dalla lavorazione dei campi, come per esempio il grano, il fieno o quant’altro).

    Come risparmiare sulla polizza trattore

    Partendo dal presupposto che la polizza per il trattore è obbligatoria occorre tenere presente che generalmente l’importo annuale del premio è piuttosto basso. Si ci può rivolgere a compagnie assicurative che offrono soluzioni onnicomprensive sui rischi in campo agricolo.

    Per risparmiare ГЁ opportuno chiedere anche preventivi on line. Se si hanno piГ№ mezzi da assicurare si puГІ usufruire di pacchetti speciali che prevedono particolari sconti.

    La franchigia

    Molte Compagnie di Assicurazione non usano tariffe bonus / malus (quelle con la classe di merito per intenderci) ma adottano tariffe fisse: proprio questa tipologia di contratto assicurativo, in passato è stata molto criticata e oggi si cercano soluzioni diverse per i preventivi assicurazioni trattori, in quanto capitava molto spesso che, specialmente in alcune zone disagiate della nostra nazione, pervenivano alle Compagnie di assicurazioni, sinistri molto discutibili tra autovetture e trattori, chi i periti, data la tipologia del mezzo, difficilmente riuscivano a contestare. E’ importante sottolineare il fatto che questi mezzi, targati, possono anche circolare su strada; i rischi sono molto alti date anche le dimensioni.

    Proprio per questo oggi le Compagnie sono restie ad effettuare preventivi assicurazioni trattori se non con l’aggiunta di limitazioni come le franchigie: in caso di sinistro passivo, la Società pagherà la controparte l’intero costo, tranne una parte che, stabilita a priori in fase di stipula contrattuale e di importi che possono variare tra le 250 e le 1000 euro, resterà a carico del contraente / proprietario.

    Quanto costa la polizza trattore

    Nel caso in cui un trattore o altro mezzo agricolo viene utilizzato in proprio, generalmente la somma annuale da pagare è compresa fra i 100 e i 150 euro. Quando il trattore o un altro mezzo agricolo viene utilizzato per conto terzi, il premio aumenta fino ad arrivare ai 250/300 euro l’anno.

    Si tratta di cifre molto variabili in funzione di diversi fattori tra cui spicca la zona dove il trattore opera, la regione e la provincia nella quale si stipula l’assicurazione RCA.

    Un pagamento unico per tutti i mezzi assicurati

    Al momento della stipula della polizza, si corrisponde il premio. Per venire incontro agli operatori del settore agricolo, alcune compagnie assicurative propongono appositi pacchetti “tutto incluso”, che raggruppano le varie scadenze delle diverse polizze in un’unica soluzione, pur rilasciando ovviamente un’attestazione per ciascun mezzo assicurato così si possono proporre prezzi più vantaggiosi.

    Le proposte assicurative

    Fra tante proposte di assicurazioni per quel che concerne il migliore rapporto qualitГ prezzo, troviamo queste compagnie

    Dove si espone il contrassegno nel trattore? Nei trattori spesso esporre il contrassegno puГІ essere un problema, soprattutto nel caso di alcune tipologie macchinari, per questo ГЁ bene dotarsi di talloncini rigidi da applicare lateralmente al volante di guida.

    Cosa fare se si smarrisce il contrassegno? Capita anche di smarrire o distruggere involontariamente il contrassegno; in questi casi la compagnia dove il veicolo ГЁ assicurato puГІ rilasciare un duplicato