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August 4, 2014 – Recent figures show the average annual auto insurance premium in Massachusetts at $974, nearly the same price it was before the industry was deregulated in 2008. Deregulation in 2008 brought insurers to the market after the state allowed carriers to set their own rates .

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July 29, 2014 – Gym rats and distracted drivers should take notice: a recent report out of Michigan says that they are targets of new auto theft trends. Although the number of stolen cars and carjackings in Michigan has dipped recently, “thieves are coming up with new ways to steal vehicles and target.

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July 09, 2013 – According to the National Automobile Dealers Association, used car prices remain relatively high, but the good news is prices may be coming down. In its latest guide on the used car industry, the monthly average price of used cars up to eight years in age dropped 2.1 percent in May, which is its largest monthly drop since October.

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    In occasione della Giornata mondiale del donatore di sangue, scopriamo chi può candidarsi alla donazione e in quali casi bisogna sospenderla

    Chi può donare il sangue

    Per poter donare il sangue bisogna possedere alcuni requisiti minimi. Quali? È necessario avere unetà compresa tra i 18 e i 60 anni e un peso non inferiore ai 50 kg. La pressione arteriosa massima deve essere compresa tra 110 e 160 mm Hg, quella minima tra 60 e 100 mm Hg. Le pulsazioni devono essere comprese tra 50 e 100 battiti al minuto (con frequenza inferiore se si pratica attività sportiva), lemoglobina non deve essere inferiore a 12,5 g/dL nelle donne e 13,5 g/dL negli uomini. Nelle ultime 6 ore il donatore non deve aver consumato pasti abbondanti ma non deve nemmeno essere a digiuno da più di 15 ore. Si può donare il sangue solo se non si hanno avuto gravi malattie in passato né si sta seguendo una terapia farmacologica.

    Attenzione ai viaggi che fate

    Non tutti sanno che per poter candidarsi alla donazione di sangue è necessario prestare attenzione ai viaggi che sono stati fatti o che sono in programma: recarsi in determinate zone del mondo ci espone al rischio di malattie infettive, trasmissibili con trasfusioni di sangue. Questo non significa che chi varca i confini italiani per raggiungere mete esotiche e tropicali (ma non solo) non può più donare il sangue: spesso si tratta solo di una sospensione temporanea. Ad esempio, se abbiamo soggiornato in zone endemiche per la malattia della Febbre del Nilo (West Nile Virus) dobbiamo aspettare 1 mese dal nostro ritorno per poter nuovamente donare; se ci siamo recati in zone endemiche per malattie tropicali e malaria, il tempo di sospensione è di 6 mesi. Insomma, se siamo stati allestero recentemente o se abbiamo intenzione di andarci, è meglio controllare lelenco dei Paesi a rischio.

    Attenzione alle cure odontoiatriche

    Che dovessimo sospendere la donazione (temporaneamente o in modo permanente) in presenza di alcune malattie (come tumori maligni, diabete, disturbi cardiovascolari) e dopo aver subito trapianti era abbastanza prevedibile. Pochi sanno, però, che anche nel caso di cure odontoiatriche bisogna interrompere la donazione per un tempo limitato. Se ci siamo sottoposti ad applicazione di ponte dentario, corona, otturazioni e cure da parte di odontoigienista (come ad esempio lablazione del tartaro), è meglio lasciar passare 2 giorni prima di donare il sangue. Per le estrazioni dentarie, devitalizzazioni e impianti con perno sintetico la sospensione è di 7 giorni; per gli innesti ossei, linterruzione è di 4 mesi.

    Attenzione a tatuaggi e piercing

    Chi ha tatuaggi e piercing può donare il sangue? È un dubbio più che lecito che va chiarito subito: sì, le persone con tattoo e fori nelle orecchie (ma anche da altre parti) possono candidarsi per la donazione. Limportante è che dopo essersi sottoposti a queste pratiche si aspetti 4 mesi prima di donare: in questo periodo, infatti, si è più esposti a infezioni che potrebbero essere trasmesse con la trasfusione.

    Attenzione al comportamento sessuale

    Essere sinceri sulle proprie abitudini sessuali quando ci si sottopone al colloquio per lidoneità alla donazione del sangue non equivale a dire quale sia il proprio orientamento sessuale: che gli aspiranti donatori omosessuali vengano esclusi dalla pratica della donazione è solo un luogo comune. In realtà i medici si limitano a valutare se il comportamento sessuale del soggetto può essere considerato potenzialmente pericoloso per chi dovrebbe ricevere il sangue donato. Nel caso in cui si siano verificati rapporti eterosessuali, omosessuali o bisessuali con partner occasionale, con soggetti tossicodipendenti o con persone nate in Paesi in cui lAids è una malattia diffusa, bisogna aspettare 4 mesi dallultima esposizione prima di poter tornare a donare il sangue. Se il comportamento sessuale attuale, abituale o reiterato espone un soggetto ad alto rischio di contrarre malattie infettive trasmissibili con il sangue, la sospensione invece è permanente. Le preferenze sessuali – è bene ricordarlo – non sono affatto vincolanti.

    Attenzione a gravidanze e aborti

    Le donne che vogliono fare una donazione devono sapere che durante il ciclo mestruale e la gravidanza non possono assolutamente donare il sangue. Dopo il parto o dopo un aborto, invece, permane la sospensione dalle donazioni per 6 mesi.

    Attenzione ai farmaci

    Per quanto riguarda la sospensione relativa allassunzione di farmaci, il periodo di sospensione può variare (temporaneo e definitivo) a seconda del principio attivo del farmaco prescritto e della malattia oggetto di cura. Nel caso di assunzione di antibiotici e antimicotici (per via endovenosa, intramuscolare o per bocca), antidiarroici, antivertiginosi la sospensione dalla donazione di sangue è di 15 giorni. Se siamo venuti in contatto con persone affette da patologie infettive ed esantematiche (come varicella, morbillo, scarlattina, ecc) non si può donare per un mese.

    I tipi di donazione

    Quanti tipi di donazioni esistono? In cosa si differenziano? Oltre alla donazione di sangue intero, che è la raccolta di 420-450 ml di sangue contenente globuli rossi, globuli bianchi, piastrine e plasma, è possibile donare i singoli componenti del sangue attraverso una procedura chiamata aferesi.

    Si può donare solo il plasma (plasmaferesi), cioè la componente liquida del sangue grazie alla quale le cellule sanguigne possono circolare. Questa donazione dura dai 35 ai 50 minuti e si effettua nei centri trasfusionali abilitati. Grazie a un separatore cellulare è possibile dividere il plasma dalle altre componenti ematiche, che vengono reinfuse nel circolo sanguigno. Tra una donazione e laltra possono trascorrere anche solo 14 giorni perché il plasma si rigenera repentinamente.

    Si possono donare solo le piastrine (piastrinoaferesi), cioè gli elementi del sangue che contribuiscono alla coagulazione e bloccano le emorragie. Questa donazione dura all’incirca un’ora e mezza e anchessa va eseguita allinterno di strutture trasfusionali abilitate a questo tipo di operazione. In questo caso, un separatore cellulare estrae dal plasma le piastrine, mentre tutte le altre componenti ematiche vengono reinfuse nel sangue. Si possono effettuare solo 6 donazioni allanno.

    Si possono effettuare donazioni multiple delle componenti ematiche, come ad esempio leritroplasmaferesi (globuli rossi e plasma), eritropiastrinoaferesi (globuli rossi e piastrine), plasmapiastrinoaferesi (plasma e piastrine) e donazione di piastrine raccolte in due sacche.

    Autotrasfusione, una procedura grazie alla quale si può trasfondere a un soggetto il sangue prelevato dallo stesso. Questo tipo di trasfusione può servire nel caso di interventi chirurgici programmati per compensare le eventuali perdite ematiche.

    Ogni quanto si può donare il sangue

    Si può donare il sangue intero ogni 90 giorni, anche se la frequenza annua varia a seconda del genere: gli uomini possono donare solo 4 volte allanno, mentre le donne in età fertile solo 2 allanno (perché sono già soggette a perdite ematiche a causa del ciclo mestruale).

    Cosa fare dopo la donazione

    Dopo aver donato il sangue è bene seguire alcune semplici precauzioni. Nel corso della giornata è consigliato bere acqua in abbondanza, evitare lattività fisica intensa (come ad esempio allenamento in palestra, nuoto, corsa), non praticare hobby particolarmente rischiosi che possano compromettere salute e sicurezza personale, non mettersi al volante per tragitti lunghi. In caso di malessere dobbiamo avvertire subito il Centro presso il quale ci siamo rivolti per la donazione. Dopo esserci sottoposti al prelievo, abbiamo anche la possibilità di ristorarci e reintegrare i liquidi gratuitamente nella struttura dove abbiamo donato.

    Fonte dati: U.O.C. Centro Trasfusionale di Fondazione IRCCS Cà Granda Ospedale Maggiore Policlinico di Milano. Per ulteriori approfondimenti visita il sito.


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

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

    Scritto da matteo m il 27/08/2017

    Ottimo soggiorno!

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

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

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

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    Mare 24 luglio

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

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    Segъn la disposiciуn adicional 72 de la LPGE-2012, a partir del 1 de septiembre de 2012 y con efectos indefinidos, la condiciуn de residente en las Islas Canarias, Islas Baleares y en Ceuta y Melilla, a los efectos de obtenciуn de la bonificaciуn al transporte regular de pasajeros, marнtimo y aйreo, se acreditarб mediante el certificado de empadronamiento en vigor (segъn lo regulado en la Ley 7/1985 reguladora de las bases del rйgimen local, artнculos 15 a 17).

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    Residentes extranjeros: Deberбn ser ciudadanos de la UE (Alemania, Austria, Bйlgica, Chipre, Dinamarca, Eslovaquia, Eslovenia, Estonia, Finlandia, Francia, Grecia, Hungrнa, Irlanda, Italia, Letonia, Lituania, Luxemburgo, Malta, Paнses Bajos, Polonia, Portugal, Reino Unido, Repъblica Checa y Suecia) o de los paнses firmantes del acuerdo sobre el espacio econуmico europeo: Noruega, Islandia y Liechtenstein, y Suiza. Tambiйn podrбn beneficiarse de la bonificaciуn sus familiares nacionales de terceros paнses beneficiarios del derecho de residencia o del derecho de residencia permanente y los ciudadanos nacionales de terceros paнses residentes de larga duraciуn, que acrediten su condiciуn de residente en las Comunidades Autуnomas de Canarias e Illes Balears y en las Ciudades de Ceuta y Melilla. Deberбn presentar el certificado de residencia del ayuntamiento, acompaсado del documento de identidad (NIE) o pasaporte como documento identificativo.

    En todos los casos, espaсoles o extranjeros, deberбn exhibir la acreditaciуn en los mostradores de facturaciуn, asн como en la puerta de embarque, de lo contrario no podrбn utilizar el billete con el descuento aplicado y deberбn adquirir un billete nuevo. La exhibiciуn de los mismos se entenderб como declaraciуn de responsabilidad del beneficiario sobre la vigencia de sus datos y su condiciуn de residente. La agencia de viajes le podrб solicitar el envнo de la documentaciуn donde acredite que es residente para poder emitir su billete aйreo con dicho descuento. Estos documentos sуlo serбn eficaces a los efectos de acreditaciуn de la residencia, cuando estйn en vigor.

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    Préstamo domiciliario

    Preguntas más frecuentes:

    Con estas claves (NIU y contraseña) puede acceder a múltiples servicios de la ULL: además de a todos los servicios que ofrece la Biblioteca a través de su página web (PuntoQ, reserva de carrels. ), también podrá acceder al correo electrónico proporcionado por la ULL, al Campus Virtual de la ULL, a la red WiFi y a todos tus datos a través del Portal del alumno de la página web de la Universidad.

    Prestamo interbibliotecario

    Muchas bibliotecas son de libre acceso, puede entrar y consultar directamente los libros; en otras tendrá que solicitar el libro al personal del mostrador de información y préstamo. Si desea conocer las obras con que cuenta su biblioteca, y, en general, toda la Biblioteca Universitaria, puede hacer una consulta al catálogo. Si encuentra una obra que le interese, podrá saber dónde puede obtenerla pulsando en la pestaña "Ejemplares", donde encontrará información sobre la biblioteca o fondo en el que está (localización), su ubicación en las estanterías (signatura), y si está disponible para préstamo; además, en el caso de que el libro estuviera prestado, le permitiría hacer una reserva.

    Prestamo interbibliotecario

    La persona interesada deberá ir a la biblioteca donde hace la solicitud, dirigirse al mostrador donde el personal de la biblioteca realizará el préstamo automatizado y la desmagnetización de las obras a fin de que el usuario pueda retirarlas de las instalaciones. Hay algunas bibliotecas dotadas de máquinas de autopréstamo, que hacen posible esta operación sin necesidad de pasar por el mostrador de préstamo. Sin embargo, los préstamos de fin de semana deben hacerse siempre en el mostrador.

    Prestamo interbibliotecario

    Desde la web de la Biblioteca hay un acceso al catálogo que permite consultar las obras, reservarlas y, en caso de cumplir los requisitos, renovar los préstamos domiciliarios. Para ello, es necesario identificarse, con el mismo nombre de usuario y contraseña que se usa para otros servicios de la ULL (correo electrónico, Sede Electrónica. ). En el caso de los usuarios externos, deberán identificarse con su número de lector y una clave que por defecto es su fecha de nacimiento escrita en en siguiente formato: DDMMAAAA (es decir, si nació el 19 de junio de 1975, deberá poner 19061975).

    Prestamo interbibliotecario

    ¿Dónde puedo consultar la normativa del préstamo domiciliario?

    Las directrices sobre usuarios, préstamo, lectura en sala, reproducción, etc., así como las sanciones en caso de infracción o incumplimiento están detalladas en las Normas de Uso del Servicio de Biblioteca.

    Prestamo interbibliotecario

    ¿Por cuánto tiempo se realizan los préstamos?

    Aunque no pretende ser exhaustiva, en la siguiente tabla se recogen las políticas de préstamo domiciliario más comunes:

    Prestamo interbibliotecario

    Prestamo interbibliotecario

    Para renovar el préstamo domiciliario, es decir, volver a realizar el préstamo domiciliario del mismo libro (siempre que la normativa asociada a cada biblioteca lo permita), podrá dirigirse al mostrador de su biblioteca, o hacerlo a través del catálogo. Para renovar los libros por medio del catálogo, deberá identificarse como usuario (con su NIU y su clave) y luego pulsar en Mi Biblioteca. Se le mostrarán las obras que tiene en préstamo; marque la obra qué quiere renovar y pulse el botón "renovar". El número de renovaciones que puede hacer de un mismo libro varía según la política de préstamo, como norma general, no se permite la renovación más de dos veces seguidas. Si el libro que quiere renovar ha sido previamente reservado no podrá hacer la renovación.

    Prestamo interbibliotecario

    ¿Qué pasa si me retraso en devolver un préstamo?

    El retraso en la devolución de un libro perjudica al resto de los usuarios.

    Los retrasos se penalizan de esta manera:

    Préstamo exterior: un día de suspensión por cada día de retraso y ejemplar.

    Otros préstamos: dos días de suspensión por cada día de retraso y ejemplar hasta un máximo de 90 días.

    En el caso de un préstamo de fin de semana, el usuario pierde el derecho de préstamo de este tipo de ejemplar (no de los otros tipos) por espacio de medio año.

    En caso de robo, pérdida o deterioro de la obra prestada, el usuario deberá sustituir el ejemplar por otro idéntico o abonar su importe.

    Prestamo interbibliotecario

    ¿Qué se necesita para ser usuario externo?

    1. Cumplimentar el impreso de solicitud

    2. Entregar una fotografía reciente tamaño carné

    3. Una fotocopia del DNI

    4. Presentar un aval, en impreso oficial, firmado por un profesor o PAS, que acredite al usuario y responda por él en caso de problemas con la devolución del préstamo.

    Los socios de Alumni ULL (Asociación de Antiguos Alumnos y Amigos de la ULL) pueden usar el servicio de préstamo domiciliario presentando la tarjeta universitaria a que tienen derecho por su condición de socio. Más información.

    Prestamo interbibliotecario

    Prestamo interbibliotecario Prestamo interbibliotecario Prestamo interbibliotecario Prestamo interbibliotecario Prestamo interbibliotecario Prestamo interbibliotecario

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    Prestamos para pymes

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    Prestamos para pymes

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    Il Mondo della telefonia VOIP vi offre un'ampia panoramica sulla Telefonia VOIP di ultima generazione, dal risparmio sulla bolletta del telefono, alle migliaia di implementazioni legate a questa tecnologia che unisce sempre più il mondo delle telecomunicazioni a internet.

    Questo sito contiene tutte le principali nozioni sul mondo della telefonia VOIP; coloro che si affacciano per la prima volta sul panorama già molto esteso della telefonia del futuro potranno trovare su questo sito le risposte ai quesiti più frequenti. Mentre per l'acquisto di apparati vi riinviamo al sito dei telefoni VOIP, per il resto delle sfaccettature di questa nuova tecnologia troverete su questo portale informazioni e approfondimenti utili. Questo sito mira a diventare un punto di riferimento per coloro che vogliono spostarsi quanto prima su questa piattaforma di comunicazione innovativa e funzionale.

    Trattandosi di un argomento piuttosto complesso dal punto di vista tecnico tecnico lo affronteremo approfondendo una tema alla volta. Su questo sito, quindi, troverete una serie di guide e spiegazioni dettagliate, che vi aiuteranno a comprendere le potenzialità della tecnologia VOIP e a districarvi nel complesso mondo delle offerte che dominano questo mercato.

    Il mondo del VOIP si muove con grande velocità e oramai sono sempre di più le aziende che scelgono di adottare questa tecnologia e di integrare la fonia voip con altri dispositivi hardware o software digitali. Basti ad esempio pensare alle implementazioni con citofoni e videocitofoni VOIP oppure ai centralini virtuali di ultima generazione che permettono di fare a meno del centralino fisico tradizionale.

    Grazie al continuo sviluppo di nuove soluzioni tecnologiche e all'adozione di protocolli standard universalmente condivisi, nel giro di pochi anni la telefonia VOIP è riuscita ad affiancare con successo quella tradizionale, raggiungendo una diffusione sempre più ampia e conquistando un ruolo di primo piano sia nell'ambito delle grandi realtà aziendali che in relazione al semplice uso domestico.

    La nascita di nuovi operatori telefonici, dediti esclusivamente alla gestione del VOIP, ha generato un'offerta molto ricca e variegata, portando non solo ad un abbattimento delle tariffe proposte per le telefonate verso utenze nazionali e internazionali, ma anche alla nascita di nuovi interessanti funzioni, scaturite dall'integrazione tra telefonia e strumenti informatici.

    Oggi il VOIP è la soluzione perfetta per chi vive la necessità di sfruttare un servizio telefonico affidabile e di qualità, in grado di garantire conversazioni chiare e fluide, ad un prezzo competitivo e con il vantaggio di poter effettuare chiamate a costo zero tra apparecchi connessi alla medesima rete aziendale.

    Con il passare degli anni, il VOIP sta rapidamente soppiantando la telefonia tradizionale, in virtù dei minori investimenti necessari per la gestione e la manutenzione delle infrastrutture utili per veicolare il traffico dati e della semplicità con cui è possibile organizzare l'aggiunta, la rimozione o lo spostamento di un interno nell'ambito di una struttura aziendale.

    La telefonia digitale (definita così in contrasto con quella classica, detta anche analogica) offre anche strumenti molto utili per il lavoro in mobilità: grazie al VOIP, è possibile sfruttare una numerazione fissa geografica per ricevere ed effettuare telefonate anche utilizzando un computer portatile, un tablet o uno smartphone, semplicemente ricorrendo a dei programmi appositi (definiti softphone, da software + phone) o a delle applicazioni per dispositivi mobile.

    Il VOIP, in sostanza, permette di portare sempre in tasca con sé il numero fisso dell'ufficio, per comunicare con soci, clienti e fornitori anche quando si è lontani dalla sede aziendale.

    La telefonia digitale ha consentito lo sviluppo di strumenti perfetti per ottimizzare le attività di uffici, imprese e realtà commerciali di qualunque tipologia e dimensione. Il ricorso ai centralini virtuali, ad esempio, permette di amministrare una o più numerazioni VOIP e tutti gli interni ad esse associati, gestendo gli inoltri di chiamata, le code di telefonate in ingresso, i servizi di segreteria telefonica e quelli di risponditore automatico anche senza possedere un centralino fisico. Tutte le funzioni sopra citate, che un tempo richiedevano la presenza costante di un tecnico esperto, oggi possono essere impostate con qualche semplice click del mouse, tramite un comodo pannello di controllo online, raggiungibile con delle comuni credenziali di accesso (lo username e la password con i quali si è registrati a tale servizio cloud).

    Anche il fax, un altro strumento legato al telefono e tradizionalmente presente in qualunque ufficio, grazie al VOIP oggi esiste anche in versione digitale: la virtualizzazione dei fax permette di inviare e ricevere documenti da un numero fisso geografico, in allegato a semplici messaggi di posta elettronica.

    Ad oggi, quindi, sono molti i segnali dal mondo hi-tech che lasciano presagire che quella del VOIP sia la strada tecnologicamente più avanzata e in grado quindi di potenziare, come mai successo sino ad ora il mondo delle telecomunicazioni.

    Ganar Dinero con Encuestas – ¿ Estafa, fraude o Mentira, negocio exitoso.

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    Las Encuestas Remuneradas son un Fraude

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    Si estás leyendo esto posiblemente estés interesado en conocer más sobre las encuestas remuneradas, tal vez no sabes de que tratan o como funcionan pero te puedo asegurar que si no terminas de leer este post terminaras estafado como me paso a mí.

    Que son las encuestas remuneradas?

    Primero quisiera explicar que las encuestas remuneradas si son un negocio serio, muchas empresas en el mundo necesitas conocer como piensan sus clientes y sus potenciales clientes para poder brindarles productos y servicios que les sean útiles y claro que les aseguren ventas, es por eso que estas empresas pagan mucho dinero por conocer su opinión, sin embargo encontrar empresas encuestadoras que realmente paguen por tu tiempo es algo realmente complicado.

    Como me engaño este negocio?

    Bueno yo empecé con esto de las encuestas hace maso o menos 2 años, un amigo me comento que podía ganar dinero con mi opinión y que las encuestas no tienen realmente ningún requisito, ya tenía una PC y una conexión al internet así que según el ya estaba calificado para hacer dinero, asi que acepte, el me regalo una lista de 10 empresas encuestadoras que había conseguido en el internet y que supuestamente me pagarían por mi opinión.

    Lo primero que hice fue registrarme en ellas y la verdad todo se veía muy legal, sin embargo al poco tiempo de registrarme en esas empresas empezaron a llegarme una serie de correos electronicos basura a mi email que no eran nada más que publicidad y que no tenian nada que ver con encuestas pagadas, pense que era un hecho aisilado y realmente no le hice mucho caso, y así paso el tiempo hasta que al fin recibí mi primera encuesta la cual me pagaría 3 dólares por 20 minutos de mi tiempo , bueno había esperado esto durante mucho tiempo por algo así, por lo que no demore en llenarla, al poco tiempo mi cuenta de paypal recibió el dinero y aunque no me volví millonario al menos sentía que estaba empezando, sin embargo al poco tiempo tuve que cambiar la tarjeta de crédito de mi cuenta de paypal porque habia caducado así que llene los números, fue muy desagradable cuando un mes después veo que mi estado de cuenta tenia grandes deudas, y deudas que yo no había cometido, luego de ir al banco para realizar mi queja me dijeron que lo más seguro era que alguien hubiera hackeado mi computadora y cogido mi información, casi me muero de la impresión al darme cuenta que lo único que había hecho de diferente era registrarme en esas empresas que prometían dinero por algo de tiempo y que al final no eran nada más que una serie de páginas de spam y virus, fui a reclamarle a mi amigo pero me di con la sorpresa que le paso algo similar, por lo que decidí que este no era un negocio si no una forma de perder dinero y tiempo.

    Porque continúe con este negocio?

    Luego de medio año y de una buena cuenta por formatear (arreglar mi computadora) paseando por internet me di cuenta que había otra forma de ganar dinero, esta era mediante los directorios de empresas encuestadoras, unos sitios webs que se dedicaban a buscar y listar empresas encuestadoras a través de todo el internet, y que te aseguraban de que podías trabajar con ellas sin temor a los virus o spam y que todas las compañías allí te harían ganar dinero.

    Como gane mis primeros 1000 dólares?

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    Bueno hasta aquí te he contado el lado negativo de las encuestas y lo peligroso de buscar empresas encuestadoras por tu cuenta, pero como en todo en la vida hay un punto positivo, te quiero contar que actualmente estoy ganando unos 1000 dólares mensuales (a veces un poco mas y a veces un poco menos) llenando encuestas, porque aprendí como funciona este negocio y es por esta razón que cree este blog para evitarles que comentan mi error y para que realmente puedan ganar dinero con este método.

    Para empezar la clave de este negocio son las encuestas y para recibir encuestas debemos registrarnos a todas las empresas encuestadoras que podamos y es allí donde la mayoría de personas se equivoca, piensan que con registrarse en unas cuantas empresas ganaran dinero pero la verdad es que necesitas al menos de unas 50 para poder obtener ganancias, yo actualmente estoy registrado en unas 150 empresas por lo que recibo muchas encuestas cada día y con eso mucho dinero.

    Es por eso que si realmente quieres ganar dinero te invito a registrar en un directorio de empresas encuestadoras que no solo te ayudara dándote una lista de empresas de mas de 150 empresas que te darán dinero si no que tambien te darán videos y tutoriales de lo que debes y no hacer para ganar con encuestas.

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    Mit dem Horizon HD Recorder erreichte unsere Testredaktion die bereits lange erwartete neue Multimediazentrale des Kabelnetzbetreibers Unitymedia KabelBW. Diese soll TV-Empfang, Telefonie und Internet in einem Gerät vereinen. Die von Samsung hergestellte Set-Top-Box besitzt sechs HD-Tuner und eine interne 500 GB-Festplatte.

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    Mobilheime und komfortable Lodgezelte mit eigenem Bad und separatem Kinderzelt.

    Camping Village Park Albatros ****

    Italien: Toskana – San Vincenzo

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    Park Albatros gehört zu den beliebtesten Campinganlagen in der Toskana. Riesige Pool-Landschaft mit Lagunenbad und Olympia-Becken. Zum nächsten Strand sind es 800 m.

    Sehr gut ausgestattetes Mobilheim mit viel Platz: 2 Schlafzimmer, 2 Badezimmer, Geschirrspüler, DVD Player, Flatscreen.

    Camping Weekend ****

    Italien – Gardasee: Salo

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    Herrlich gelegener Terrassencamping mit Panoramablick über den Gardasee. Der familienfreundliche Campingplatz bietet eine große Vielfalt an Mobilheimen und innovativen Glamping-Unterkünften. Ideal für den Urlaub mit Hund ist das Mobilheim Classic.

    Camping dei Fiori ***

    Italien – Riviera: Pietra Ligure

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    Camping dei Fiori ist eine angenehme, familienfreundliche Ruheoase mit Pool und nur 600 m vom schönen, breiten Sandstrand von Pietra Ligure. Auch die Badeorte Diano Marina und Finale Ligure sind gut mit dem Fahrrad erreichbar.

    Die Mobilheime sind gut ausgestattet und liegen idyllisch im Grünen.

    Kurzfristig verfügbar wegen Stornierung!

    Mobilheime und Glamping-Unterkünfte auf beliebten Campingplätzen und Ferienparks in Italien, Kroatien, Spanien und Frankreich. Oft mit Rabatt!

    Camping Tenuta Primero ****

    Italien – Adria: Grado

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    Sehr schöne Camping-Anlage an der Adria im Norden von Italien. Sandstrand, Schwimmbad, Bootsslip, Golfplatz. Sie campen auf ebenen, schattigen Stellplätzen von rund 90 m².

    1000 Stellplätze, Mobilheime, Bungalows.

    Camping Rio Vantone ****

    Italien – Idrosee: Idro

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    Zwischen Gardasee und Iseosee liegt der kleine Idrosee inmitten eines großartigen Bergpanoramas. Viele Sportangebote, Canyoning, Surfschule, Schwimmbad, Kinderpool.

    Gut ausgestattete Mobilheime sowie bezugsfertig eingerichtete Bungalowzelte. Hunde sind erlaubt.

    Camping al Lago di Lago

    Italien – Venetien: Tarzo – Treviso

    Hotels in grado pineta italien

    Camping al Lago di Lago liegt zwischen Dolomiten und Adria. Das fruchtbare Weinbaugebiet im Nordosten Italiens ist die Heimat des beliebten Prosecco. Der Campingplatz liegt sehr schön mit Liegewiese direkt am See.

    Mobilheime mit überdachter Holzveranda, 2 Schlafzimmer, 2 Badezimmer, Parkplatz.

    Green Garden Camping Village ****

    Italien – Adria – Marken: Sirolo

    Hotels in grado pineta italien

    Herrlich gelegener kleiner Campingplatz im Naturschutzgebiet rund um die hohen Felsen vom Monte Conero, 20 km von Ancona. Kinderspielplatz, Schwimmbad, Tauchkurse, Reitausflug zum Naturpark. Pendelbus zum Privat-Strand (1 km) gratis.

    Mobilheime und Lodgezelte mit Bad.

    Camping Vigna sul Mar ****

    Italien – Adria: Lido di Pomposa

    Hotels in grado pineta italien

    Schöner und ruhiger Familien-Campingplatz direkt an der Adria. Der wunderschöne, breite Privatstrand fällt sanft zum Meer ab und ist ideal für Kinder.

    Mobilheime und Bungalowzelte für bis zu 6 Personen sowie Lodgezelt mit Dusche/WC.

    Camping Classe

    Italien – Adria: Ravenna – Lido di Dante

    Hotels in grado pineta italien

    Camping Classe ist Teil eines Ferienresorts mit Pool, Restaurant, Supermarkt und separater Mobilheimanlage. Schöne Lage im Pinienwald. Der Strand grenzt an das Naturschutzgebiet Pineta di Classe, mit uraltem Pinienbestand und einem naturbelassenen Sandstrand, der zu den schönsten Adriastränden in Italien zählt.

    Rechtzeitig online buchen und sparen!

    Viele der beliebten Campingplätze in Italien sind zur Hauptreisezeit schnell ausgebucht. Buchen Sie Ihren Campingplatz rechtzeitig und sichern Sie Ihren Wunschplatz. Bei der Online-Buchung profitieren Sie zudem häufig von attraktiven Rabatten.

    Winter-Camping in Italien: Südtirol und Dolomiten

    Hotels in grado pineta italien

    Die Campingplätze in den italienischen Alpen sind für den Winter bestens gerüstet. Die Lage ist traumhaft, in unmittelbarer Nähe der Skigebiete und Wintersportorte.

    Auch Wellness, Entspannung und Unterhaltung für Jung und Alt kommen auf diesen Campingplätzen nicht zu kurz. mehr Info

    Ausstattung italienischer Campingplätze

    Hotels in grado pineta italien

    Campingplätze in Italien werden je nach Ausstattung mit ein bis vier Sternen klassifiziert.

    Klassifizierte Campingplätze in Italien verfügen über Sport- und Freizeitanlagen sowie mindestens einen Kiosk und eine Bar. Ab 2 Sternen ist auch eine Imbiss-Stube oder ein Selbstbedienungs-Restaurant vorhanden.

    Je nach Kategorie ist eine Mindestgröße pro Stellplatz sowie von Freiflächen und Schattenzonen festgelegt.

    Qué es el valor contable de una acción, Juan Sainz de los Terreros, campo de accion de las finanzas.

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    Juan Sainz de los Terreros

    Qué es el valor contable de una acción?

    Campo de accion de las finanzasCon las salidas a Bolsa de las Cajas (Bankia, Banca Cívica, etc) estamos escuchando continuamente que si salen a 0,4 el valor contable, que si al 0,5… Es decir, que por ejemplo Bankia va a salir con un descuento del 50% o mayor al valor en libros de sus fondos propios.

    Qué es el valor contable o valor en libros de los fondos propios de una determinada compañía?

    Tomo la definición que dan en

    El valor contable de una acción es la cantidad de Patrimonio Neto o Recursos Propios que le corresponde a cada acción. Para su cálculo simplemente se divide el total del patrimonio neto de la empresa entre el número de acciones.

    El Patrimonio Neto de la empresa es la diferencia entre el Activo (bienes y derechos que la empresa posee) y su Pasivo (deudas con personas ajenas a la empresa).

    Es decir, si una empresa posee un Activo de 100.000€ y un Pasivo de 40.000€, su Patrimonio Neto ascenderá a 60.000€. Si el capital de dicha empresa se encuentra dividendo en 20.000 acciones, cada acción tendrá un valor contable de 3€, pues 60.000€/20.000acciones = 3€.

    Hay que recordar que la contabilidad de una empresa se realiza siguiendo el principio de empresa en funcionamiento, el cual se basa en que la empresa no va a liquidarse en un futuro cercano, por lo cual el valor que refleja la contabilidad no es por el cual se liquidaría la empresa. Es decir, que el valor contable de las acciones de una empresa sea de 3€ no significa que si mañana se liquida la empresa vayamos a recibir 3€ por cada acción que tengamos.

    El valor contable se puede usar como un indicador de lo sobrevaluada o devaluada que se encuentre una acción. De hecho, algunos sistemas o filosofías de inversión como el “Value Investing” buscan, entre otros ratios, aquellas acciones cuyo precio de cotización sea inferior o similar a su valor contable, pues se supone que si esto ocurre y no hay ninguna explicación que lo justifique (como unas malas expectativas respecto al futuro de la empresa o de sus resultados) o dicha explicación carece de fundamentos o está sobreestimada, las acciones están cotizando a un precio bajo.

    Por tanto, vemos que salir a un valor contable menor que 1, dice mucho de los activos que tienen las Cajas. Nadie se cree que valen lo que ponen en su contabilidad. Lo normal es que las compañías coticen por encima de su valor en libros. Pero las compañías financieras son diferentes. Si además añadimos la época de crisis que vivimos, llegamos a valoraciones algo “irracionales” o valoraciones muy “razonables” dada la incertidumbre que hay entorno a los activos de estas compañías.



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    El problema que se tiene con los bancos, es que entre sus activos se encuentra uno llamado créditos hipotecarios& que están puestos a valor histórico (el monto total de dinero que prestaron). Salvo pequeñas provisiones que hacen, este número es completamente irreal y en la práctica habría que aplicarle un descuento a este número. Estimar el descuento es imposible para un inversor ordinario ya que sería adentrarse en la calidad de los créditos otorgados, cosa que muchas veces ni ellos mismos conocen. Y el problema principal es el Apalancamiento& que tienen los bancos con respecto a este número.

    Si por ejemplo el banco tiene activos hipotecarios por valor de 100 y por el otro lado pasivos por 90 y capital de 10, con sólo una disminución del 10% del valor de sus activos te has limpiado el capital de los accionistas.

    50% de descuento sobre el valor en libros puede ser excesivo, o quedarse corto….. la realidad es que ningún inversor lo puede decir con certeza (tal vez Slim??)

    esta era la repuestas que yo buscaba para escribirla en mi cuaderno

    Campo de accion de las finanzasCampo de accion de las finanzasCampo de accion de las finanzas

    Campo de accion de las finanzas

    BANCO COMAFI, Si te va bien, nos va bien, prestamos con tarjetas de credito.

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    COMISIONES: Comafi Ahorro: $82 (mantenimiento mensual), Cuenta Corriente: $292 (mantenimiento mensual). Movimiento Cajeros Automáticos red Banelco no propio: $21,24. Renovación anual Tarjeta de Crédito básica:$660. Más Comisiones Comparación de Comisiones BCRA

    Copyright Banco Comafi. Todos los derechos reservados. Prohibida la duplicación, distribución o almacenamiento en cualquier medio.

    Webcams in Kärnten, Livecams Kärnten, Wetterkamera, zimmer in grado italien.

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    Webcams in Kärnten

    Kärnten ist das südlichste Bundesland Österreichs und vor allem bekannt durch seine Berg- und Seenlandschaft. Mit einer Fläche von 9.535,97 km² und 561.335 Einwohner ist Kärnten das sechstgrößte Bundesland Österreichs. Die Landeshauptstadt ist Klagenfurt.

    Zimmer in grado italien

    Zimmer in grado italien

    Sommer in Kärnten

    Die vielen wunderschönen Seen wie der Wörthersee, der Millstätter See, der Ossiacher See und der Weissensee, aber auch kleinere, wie der Faaker See, Klopeiner See und Pressegger See tragen Ihren Teil zum boomenden Sommertourimus bei.

    In den geschützen Gebieten der Nationalparks Nockberge und Hohe Tauern lässt sich im Hochgebirge, in mittelgebirgigen Almlandschaftn und in sanften Ebenen die Natur von ihren schönsten Seiten erleben.

    Neben Trekkingtouren, wie z.B. der gemütlichen, aber ausgedehnten Drauradweg-Tour zieht das Gebiet Nockberge unzählige Mountainbiker in sein Freeride-Paradies und auf für jeden Schwierigkeitsgrad geeigneten Routen kann man auch mit dem Rennrad bequem die Gegend erkunden.

    9 Kärntner Golfanlagen lassen das Herz jedes Golfbegeisterten höher schlagen. Neben der nördlichsten Anlage auf 1.100m Seehöhen in den Nockbergen gehört auch noch eine Anlage in Grado/Italien zur Kärntner Golfkooperation.

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    Zimmer in grado italien

    Winter in Kärnten

    Schnee bis in die Täler, Skivergnügen und trotzdem südlicher Flair, das ist Kärnten im Winter. Von Hochalpin in Heiligenblut, Ankogel und Mölltaler Gletscher bis hin zu familiär in Innerkrems und auf der Koralpe. Für jeden Wintersportfan ist das Richtige dabei, egal ob ski Alpin, nordisch oder einfach nur ein Winterspaziergang. Grenzüberschreitenden Wintergenuss kann man in Nassfeld und am Katschberg erleben. Die vielen Seen in Kärnten bilden im Winter eine perfekte Spielwiese für Eisschnellläufer, Eisgolfer, Eishockeyspieler und Eisläufer. Der Weissensee bildet mit einer Fläche von 6,5 km² Europas größte Natureisfläche.

    La banca reaviva las hipotecas al 100%, Vivienda, EL MUNDO, hipotecas al 100 por cien.

    #Hipotecas #al #100 #por #cien

    La banca reaviva las hipotecas al 100%

    Relanza este producto con el objetivo de captar a los mejores clientes

    La legislaciуn espaсola permite y ampara su comercializaciуn

    Las hipotecas por el 100% del precio de la casa objeto de compra estбn de vuelta. Despuйs de aсos supeditadas casi exclusivamente a las adquisiciones sobre inmuebles propiedad de las entidades financieras, ahora los bancos, en el marco de la ofensiva hipotecaria actual por conquistar a los mejores clientes, han reactivado la comercializaciуn de estos prйstamos de elevado loan to value (LTV) -relaciуn prйstamo/valor-. Han comenzado a darlos para la compra de cualquier vivienda y no sуlo para colocar su stock.

    Aunque esta oferta crediticia, seсalada por muchos como uno de los detonantes de la burbuja inmobiliaria, no aparece explнcitamente en el mostrador de hipotecas de los bancos, sн que existe y estб yendo a mбs en el mercado, como seсala Pau A. Monserrat, director editorial de Este experto distingue tres caminos a travйs de los que lograr financiar el 100% e incluso los gastos para la compra. Eso sн, “de forma no sistemбtica”, puntualiza. Y no todas estas vнas requieren de un prestatario de la mбs alta solvencia.

    En primer lugar, Monserrat apunta que hay entidades (las menos) que conceden directamente el 100% (o mбs) de modo selectivo para hacerse con clientes de alta calidad: estabilidad laboral y capacidad de ahorro. En este nicho de potenciales prestatarios estбn, por ejemplo, los funcionarios sin otras deudas o los empleados de empresas privadas con reconocimiento en su campo o que ocupan altos cargos.

    La segunda vнa para acceder a una hipoteca al 100% es la tasaciуn, segъn Monserrat. Tras el ajuste de los precios, muchos pisos se estбn vendiendo por debajo de su valor tasado. Es decir, el 80% del importe de la tasaciуn puede llegar a suponer hasta el 110% del precio a pagar por la vivienda. El director editorial de pone de ejemplo una casa con un precio de venta de 160.000 euros, pero con un valor de tasaciуn de 225.000. El 80% a financiar ascenderнa (“si el banco no limita al menor valor este porcentaje”) hasta los 180.000 euros. En este tipo de operaciones, las exigencias de solvencia que se piden al demandante resultan mбs flexibles.

    En este sentido, segъn ha podido constatar EL MUNDO, hay bancos que dan, en situaciones excepcionales, hasta el 100% del precio de compra incluso aunque йste sea muy superior al valor de tasaciуn si el cliente cuenta con otro piso en propiedad.

    La tercera vнa para conseguir sellar una hipoteca al 100% es, como argumenta Monserrat, mediante la aportaciуn de ahorros o de dobles garantнas. “Los bancos tambiйn llegan al 100% (al margen de si se trata o no de un cliente de gran solvencia) si se hipoteca una doble garantнa por la diferencia (entre el 80% y el 100%), como puede ser otra casa en propiedad o la vivienda pagada por los padres, que son los casos mбs habituales”, asegura.

    Desde el punto de vista legal, a buen seguro, a mбs de uno le chirrнen estas hipotecas al 100%. Nada mбs lejos de la realidad jurнdica, como han explicado desde el Banco de Espaсa y desde la Asociaciуn Hipotecaria Espaсola (AHE) a este suplemento. Ambos organismos recuerdan que los bancos pueden conceder estos prйstamos si lo creen conveniente, aludiendo a que, en ese caso, no pueden utilizarlos para emitir cйdulas hipotecarias o bonos de titularizaciуn.

    “La Ley Hipotecaria, de 1981 y modificada en 2013, hace referencia a un importe mбximo a financiar del 80% de valor de tasaciуn y a un plazo tope de amortizaciуn de 30 aсos, pero sуlo para regular los prйstamos elegibles que sirven a los bancos de colateral en la emisiуn de tнtulos hipotecarios que compran los inversores”, aclara Lorena Mullor, gerente de la AHE. “Es decir”, prosigue, “el hecho de superar estos listones mбximos sуlo significa que estas hipotecas no pueden incluirse en el conjunto de prйstamos elegibles”.

    Mullor remarca, no obstante, que las hipotecas al 100% y por mбs de 30 aсos no son una oferta generalizada. “Entrar hoy en los riesgos de un LTV superior al 80% no estб incentivado para la banca. Sуlo les puede compensar vender estos productos para la captaciуn de clientes solventes -en operaciones peculiares y muy analizadas- o para la liberalizaciуn de su stock de casas. La banca ha aprendido de los errores, ya que durante el boom este tipo de prйstamos tampoco se consideraron elegibles para emisiуn”, declara.

    Monserrat tambiйn recalca que “no es ilegal dar hipotecas al 100%, ni al 120%”. “La idea de que no se puede superar el 80%”, dice, “es una leyenda urbana, que la creen incluso muchos directores de oficinas de entidades financieras y comunican a los clientes”.

    Esta realidad crediticia ya fue adelantada a principios de este aсo 2015 por la Agencia Negociadora, empresa de intermediaciуn financiera, que describiу cуmo serнa la segunda fase de la guerra hipotecaria en una doble clave: aumento del porcentaje a financiar y menor vinculaciуn. їLa meta? Cumplir con los objetivos de comercializaciуn de hipotecas. Por el momento, el primero de estos vaticinios se estб cumpliendo. Habrб que ver si tambiйn se suavizan los vнnculos exigidos al firmar un prйstamo.

    Hiperactividad comercial hipotecaria

    El cerrojazo al crйdito parece haber pasado a la historia. La demanda de nuevas hipotecas para la compra de una casa crece mes tras mes desde hace mбs de un aсo y la banca lo sabe. De ahн que las entidades financieras hayan puesto en marcha toda su maquinaria comercial para seducir a los potenciales prestatarios y pugnen por hacerse, principalmente, con los mбs solventes. No hay semana en la que no afloren nuevas ofertas hipotecarias a golpe de rebajas en los tipos de interйs a pagar (variables, fijos o mixtos). Esta hiperactividad comercial viviу un nuevo capнtulo justamente ayer con Liberbank y Bankinter, -un habitual ya en estas lides- como protagonistas. El primero de estos bancos, siguiendo los pasos de ING Direct, anunciу la reducciуn del interйs variable de su Hipoteca Ahora al Euribor +0,99%, mientras que el segundo publicitу el alumbramiento de un nuevo producto:un prйstamo mixto, con un plazo inicial a tipo fijo de 10-20 aсos y el resto a variable.

    Hipotecas al 100 por cien

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    Our dedicated guides will help you work out which type of cover is right for you and your motor.

    How can we help you save on your car insurance?

    It’s our job to find you the best car insurance deal from a wide range of leading UK insurance companies. When you enter your details on our site, we send them to over 120 car insurance brands so they can compete for your business.

    We rank the quotes they offer in price order so you can make your selection.

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    Car insurance guide

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    Young driver insurance

    Fight back against expensive young drivers insurance

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    Get a specialist Business car insurance policy

    Car insurance groups

    Find out why the type of car you choose affects the cost of car insurance

    Learner driver insurance

    Will you need to pay for learner driver insurance on top of tuition fees

    Fully comprehensive cover

    Find out why the most complete level of cover isn t always the most expensive option.

    Excess insurance

    Insuring against high excess costs could save you money if you ever have to claim.

    Gap insurance

    If you re buying a new car, it s well worth considering gap insurance.

    Named driver insurance

    How adding a named driver can lower the cost of car insurance.


    Fancy a driverless car

    Are we ready for the motoring revolution

    What is car insurance fraud

    And could you be at risk


    Taking care of your tyres

    Tips to ensure your tyres are up to scratch

    Beat car depreciation

    Selling your car Here s how to get the best price


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    We’re 100% independent: working only for our customers

    Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer great value, with savings delivered straight to you.

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    Level of service

    We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

    MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.

    New York Car Insurance – Compare Best Car Insurance Companies, auto insurance in new york state.

    #Auto #insurance #in #new #york #state

    New York Car Insurance

    Many different types of car insurance are required to drive in New York. Here we explain minimum New York car insurance requirements, how to buy the best coverage for your needs and how NY insurance laws work. You can also find out what cheap car insurance in New York will cost compared to full coverage, what the average rates are for your area and how to get car insurance discounts.

    When shopping for car insurance, use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable price is in your area. For a more customized rate, choose from among six age groups and three coverage levels.

    The average car insurance rate in New York is $1,759 a year. The severity and frequency of claims in your neighborhood, your driving record, the type of car you drive and other variables are used by insurance companies to figure out the cost of your policy. That s why the price for the same coverage can vary significantly among insurance companies and why you should compare rates. For example, you could pay $3,146 more for the same policy in Manhattan ZIP code 10120 if you don t shop around. Here s why: the highest rate among six carriers is $4,305, the lowest is $1,159.

    Cheap car insurance in New York

    New York car insurance requirements

    If you opt to buy the cheapest car insurance policy possible, buy the least amount of coverage you need to drive, as explained below:

    Drivers must have minimum liability coveragelimits of 25/50/10 under New York car insurance laws. This coverage pays for others injuries and damage to other drivers cars when you cause an accident.

    Personal injury protection (PIP) is also required. It covers you, your passengers and other authorized drivers of your car who are injured while in your car. PIP also covers you and your family members if you are injured while riding in someone else’s car or if struck by another vehicle while on foot. PIP is sometimes called no-fault insurance because it kicks in regardless of who is at fault. You must have $50,000 in coverage.

    Uninsured motorist bodily injury covers medical expenses for you and your passengers if injured when hit by a driver with no insurance. You must have 25/50 coverage. This means your insurer pays up to $25,000 per person and $50,000 in total if there are two or more people injured.

    It does cost more to buy more protection, but as you ll see in the chart below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $947 more, or $79 a month. For just $67 a year you can raise your liability limits.

    $500 Comp/Collision deductible

    *The table shows the average annual rate of nearly every ZIP code in Massachusetts from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for by Quadrant Information Services.

    Recommended car insurance coverage

    Drivers who buy the cheapest car insurance in New York may be taking a big gamble. If you get into an accident, your assets are at risk if you have basic car insurance. Even a minor incident can cost much more than what your minimal insurance will pay out. For instance, say you have New York s minimum of $25,000 in bodily injury coverage and $10,000 in property damage. Then you cause a crash that totals the other driver s car, valued at $25,000. It also results in $45,000 of medical expenses for his injuries. You re responsible for damages not covered by insurance. That means you have to pay $20,000 out-of-pocket for medical bills and $15,000 for the damaged car a total of $35,000.


    We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

    • less than $50,000, choose at least 50/100/50
    • between $50,000 and $100,000, choose at least 100/300/100
    • more than $100,000, choose at least 250/500/100

    If you’re leasing or financing your car, you must get coverage of 100/300/100 or higher.

    Collision and comprehensive

    These are optional coverages and fairly affordable to add to a policy. Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. New York drivers pay an average of $355 a year for collision and $156 for comprehensive.If your car is:

    • less than 10 years old, you should strongly consider buying collision and comprehensive.
    • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn t afford to replace your car if it s wrecked, or if you just want more protection on your policy.

    Uninsured/underinsured motorist

    These coverages are required in New York and should match the liability limits you choose. Uninsured motorist coverage and underinsured motorist coverage pays for damages if you re hit by a driver with no insurance or a driver with coverage that s insufficient to pay for your repairs and medical expenses.

    Medical coverage (MedPay)

    Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. MedPay is optional in New York and not a must-have coverage, because your PIP protection takes care of the same expenses as MedPay. However, one benefit of MedPay is that there is no deductible and it can help defray health insurance costs. MedPay does the following:

    • Covers you and your passengers medical expenses
    • Pays for expenses after health insurance limits are exceeded
    • Offers additional protection to insured drivers who are hit by a car while walking or biking

    If you and your passengers:

    • Don t have health insurance, or have a plan that doesn t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
    • Do have health insurance, it s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

    Gap insurance

    If you don t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

    • If you re financing your car, your car is less than one year old and you ve put less than 20 percent down on it, you should buy gap insurance. If not, you don t need gap insurance.
    • If you re leasing your car, it s a good idea to buy gap insurance if you aren t already required to in your lease agreement.
    • If you own your car outright, you don t need gap insurance.

    New York car insurance rates by company

    Below you’ll see average annual rates for New York, ranked cheapest to most expensive, for three coverage levels:

    • State minimum liability requirements
    • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
    • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

    Deutsche Schutzvereinigung Auslandsimmobilien e, hypothek auf eigentumswohnung.

    #Hypothek #auf #eigentumswohnung

    Deutsche Schutzvereinigung Auslandsimmobilien e.V.

    Hypothek auf eigentumswohnung

    Hypothek auf eigentumswohnung Hypothek auf eigentumswohnung Hypothek auf eigentumswohnung Hypothek auf eigentumswohnung


    Sie erhalten aktuelle Information und anwaltliche Beratung fьr die Lдnder Frankreich, Italien und Spanien.

    Als Mitglied sind auch Sie auf der sicheren Seite!



    Hдuser und Wohnungen in Spanien, Italien und Frankreich ?

    Wir beraten und informieren Sie,

    damit Sie und Ihr Geld auf der sicheren Seite sind.

    Wir sind eine qualifizierte Verbraucherschutzvereinigung gemдЯ EU-Richtlinie 98/27/EG.

    Unsere Rechtsanwдlte beraten und informieren Sie im Rahmen einer Mitgliedschaft u. a. bei (Kauf-)Vertrдgen, Steuern und Abgaben, Vermietung, Schenkungs- und Erbrecht und Erbschafts- und Schenkungsteuer.

    Eine Ausgabe unserer Zeitschrift AUSLANDSIMMOBILIEN kцnnen Sie hier anschauen.

    Unsere Ratgeber fьr Spanien, Italien und Frankreich sind sowohl als Taschenbuch als auch zum kostenlosen Herunterladen erhдltlich.

    Lernen Sie unsere spezialisierten Rechtsanw lte kennen

    Hypothek auf eigentumswohnung

    Hypothek auf eigentumswohnung

    im Rahmen unserer kostenlosen 5-Minuten-Gespr che. Sie rufen einfach dienstags oder donnerstags zwischen 13:45 und 15:15 Uhr an: 0761/55012. Ab 8. Januar 2018 sind wir wieder f r Sie da.

    Als Mitglied kцnnen Sie unsere Rechtsanwдlte wдhrend der Beratungszeiten fьr Mitglieder ohne Voranmeldung und ohne zusдtzliche Honorare anrufen oder Sie schreiben eine Mail und schicken Unterlagen zur Ьberprьfung zu und lassen sich dann beraten.

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    Peter Schцllhorn, Vorstand

    Hinweise und Empfehlungen fьr die DSA u.a. bei

    Hypothek auf eigentumswohnung

    Immobilienkauf: Zehn Gebote und Verbote

    So banal es klingt: Kaufinteressenten nehmen sich oftmals zu wenig Zeit, informieren sich gar nicht oder zu wenig, und glauben, es werde schon gut gehen. Das ist die beste Garantie fьr viel Дrger und Geldverlust.

    Dies ist um so verwunderlicher, als der Immobilienkauf und -besitz im Ausland fьr die allermeisten Kaufinteressenten und Besitzer eine vцllig fremde Welt darstellen, sowohl in rechtlicher als auch praktischer Hinsicht. Dennoch ist dies kein Grund, davon Abstand zu nehmen. Vielmehr ist entscheidend, gut informiert und gut beraten an die Sache heranzugehen.

    1.Deutsche Rechtsvorschriften und Gepflogenheiten

    dьrfen nicht auf den Immobilienkauf im Ausland ьbertragen werden. Rechtliche und praktische Unterschiede gibt es weiterhin auch innerhalb der EU.

    2. Privatschriftliche Kaufvertrдge

    In verschiedenen Lдndern wie beispielsweise Frankreich, Italien und Spanien sind auch privatschriftliche Kaufvertrдge ohne notarielle Beurkundung verbindlich. Der Vertrag ist also auch dann gьltig, wenn es sich nur um ein normales Blatt Papier handelt. Da besteht die groЯe Gefahr, dass unerfahrene Kaufinteressenten ьbervorteilt werden (oftmals von den eigenen Landsleuten).

    3. Vorvertrдge

    Ob der Vertrag mit Vorvertrag oder Kaufoption oder einer sonstigen Bezeichnung ьberschrieben ist, entscheidend fьr die Rechte und Pflichten ist der Inhalt des Vertrages. Oftmals handelt es sich gerade bei sogenannten Vorvertrдgen um vollumfдnglich verbindliche Kaufvertrдge, von denen Sie sich ohne die Zustimmung des Verkдufers nicht mehr lцsen kцnnen.

    4. Ьberprьfen

    Zuerst ьberprьfen, dann unterschreiben und anzahlen! Ьberprьfen Sie vor der Unterschrift und vor der Leistung einer Anzahlung mцglichst alle rechtlichen Aspekte, z. B. die Frage des Vorhandenseins einer Baugenehmigung nicht nur bei Neubauten sondern auch bei Altbauten, die Eintragungen in den Registern auch im Hinblick auf eventuelle Belastungen mit Hypotheken, im ьbrigen, ob die Angaben des Verkдufers hinsichtlich der Eigentumsverhдltnisse zutreffen. Die Anzahlung sollte mцglichst niedrig gehalten werden, da Sie dafьr meist keine Absicherung erhalten.

    5. Neubauten

    Vor Vertragsabschluss lassen Sie sich die notwendige Baugenehmigung zeigen und leisten Zahlungen nur nach Baufortschritt und nach Erhalt einer Bankbьrgschaft als Sicherheit fьr Ihre Zahlungen. Problematisch: von Deutschland aus kцnnen Sie den Bau nicht kontrollieren. Dringend notwendig ist deshalb eine Vertrauensperson vor Ort. Es muss auch gewдhrleistet sein, dass nicht nur das Haus gebaut sondern auch die Infrastruktur – Strom, Wasser, StraЯen und Wege – fertig gestellt wird.

    6. Steuern, Abgaben und Umlagen

    Lassen Sie sich nachweisen, dass der Verkдufer mit der Bezahlung der Steuern und sonstigen Abgaben und im Falle einer Eigentumswohnung auch hinsichtlich seiner Zahlungen bei der Eigentьmergemeinschaft auf dem laufenden ist.

    7. Registereintragung

    Achten Sie darauf, dass Sie mцglichst bald ins Eigentumsregister bzw. Grundbuch (wie immer es auch heiЯen mag) eingetragen werden. Nur dann sind Sie je nach Land unterschiedlich geregelt abgesichert, dass das Grundstьck oder die Wohnung nicht noch ein zweites Mal an einen anderen Kдufer, der Ihnen mit der Eintragung zuvor kommt, verkauft oder mit einer Hypothek belastet wird.

    8. Preisvergleiche

    Vergleichen Sie die Preise vor Ort! Der erstgenannte Preis ist meist nicht der letzte, verhandeln Sie. Oftmals erscheinen die Preise im Ausland fьr deutsche Verhдltnisse als sehr niedrig oder zumindest als gьnstig. Dies kann an den niedrigen Arbeitskosten im Ausland liegen oder aber ist darin begrьndet, dass die betreffende Immobilie sehr viel einfacher ausgestattet ist und billigere Materialien verwendet worden sind. Auch die niedrigeren Grundstьckspreise kцnnen der Grund dafьr sein.

    9. Rendite durch Vermietung?

    Eine Ferienimmobilie im Ausland ist keine Geldanlage mit Renditeaussichten. Die Immobilie kostet Geld sowohl beim Kauf als auch wдhrend des Besitzes. Dieser Hinweis soll keineswegs bedeuten, von einer Ferienimmobilie Abstand zu nehmen. Selbstverstдndlich ist eine Ferienimmobilie eine sehr schцne Sache und wird dann zum wirklichen Vergnьgen, wenn Sie sich vorneweg informieren und beraten lassen.

    Falls sie langfristig vermieten wollen, bedenken Sie das fьr Vermieter oftmals nachteilige Mietrecht. Im Falle einer kurzfristigen Vermietung bleibt unterm Strich oftmals sehr viel weniger ьbrig als erhofft. Ein eventueller Wertzuwachs sollte als angenehme Nebenerscheinung angesehen werden.

    10. Erbrecht und Erbschaftsteuer

    Ьberlegen Sie sich, ob Sie nicht schon beim Kauf erbrechtliche und erbschaftsteuerliche Aspekte berьcksichtigen wollen.

    Unsere Empfehlung: Antrag auf Mitgliedschaft damit Sie auf der sicheren Seite sind!

    10.01.2018 Deutsche Schutzvereinigung Auslandsimmobilien. Alle Rechte vorbehalten.

    Cursos, Cursos de contabilidad básica, desarrollo humano, Findes, diplomados finanzas.

    #Diplomados #finanzas

    Diplomados finanzas

    Diplomados finanzas

    Diplomados finanzas

    Diplomados finanzas

    Diplomados finanzas

    Diplomados finanzas

    Diplomados finanzas

    Bienvenidos a FINDES

    FINDES es una institución de capacitación especializada en cursos de contabilidad, finanzas, impuestos, desarrollo humano y computación, con 26 años de experiencia en el sector y más de 12,000 alumnos participantes por año. Nuestros programas son vigentes, actualizados de manera permanente, prácticos y de aplicación inmediata, impartidos por especialistas en cada materia, con amplia experiencia profesional, académica y docente.

    Diplomados finanzas

    Información veraz, oportuna para la toma de decisiones.

    Diplomados finanzas

    Efectivo manejo de los recursos económicos para maximizar el valor.

    Diplomados finanzas

    Determinar lo justo, cumplir con la obligación en apego a la legislación vigente.

    Diplomados finanzas

    Desarrollo Humano y Organizacional

    Potenciar a la persona y generar sinergias para maximizar los logros.

    Diplomados finanzas

    Planificación y gestión de recursos para controlar la eficiencia desde la producción hasta el consumo de los productos.

    Diplomados finanzas


    Realizar funciones complejas fácilmente, con cero errores, sistemáticamente.

    Diplomados finanzas


    Desarrollar al profesionista y a la organización.

    Diplomados finanzas

    Sector Público

    Efectividad en las funciones, cumplir con los procesos en apego a la normatividad vigente.

    Diplomados finanzas


    Conjunto de fines, procesos, políticas, costumbres, valores, políticas y normas para la consecución los objetivos empresariales.

    Diplomados finanzas

    Curso en Empresa

    Desarrollar y fortalecer los procesos, ser efectivos en el uso de sus recursos, lograr las estrategias.

    Diplomados finanzas Diplomados finanzas Diplomados finanzas Diplomados finanzas Diplomados finanzas Diplomados finanzas Diplomados finanzas

    Nuevos Cursos

    Cursos por Iniciar


    Sus datos personales están protegidos conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares.

    Algunos de nuestros videos corporativos

    Diplomados finanzas

    Video Promocional FINDES

    Diplomados finanzas

    Video Corporativo Profesores

    Diplomados finanzas

    Video Corporativo Staff

    Diplomados finanzas

    Video Corporativo Alumnos

    25 años de Experiencia en el sector.

    Más de 12,000 alumnos al año.

    +de 120 programas de capacitación totalmente actualizados.

    Profesores con gran experiencia en el campo profesional.

    Cursos prácticos y efectivos.

    Programas y material didáctico muy completos y actualizados.

    Horarios flexibles entre semana y los sábados.

    Reconocimientos del Colegio de Contadores Públicos de México, la Asociacion Mexicana de Intermediarios Bursátiles y la STPS.

    La mejor manera de Saber qué es FINDES es viviéndolo, nuestra historia no está completa sin tí.

    ¡Forma parte de nuestros +12,000 alumnos participantes por año!


    Findes surge en el año 1991, con el objetivo de instituir programas de capacitación, estructurados para atender de la manera más directa y específica posible, los requerimientos de actualización y desarrollo de los profesionistas en sus diferentes ámbitos de trabajo.

    Cursos sugeridos

    Paseo de la Reforma No. 403 Int. 206 Col. Cuauhtémoc C.P. 06500,

    Ciudad de México.

    Teléfono : (52+) (55) 55 25 63 03

    Copyright 2017 Fundación de Investigación para el Desarrollo Profesional | Todos los Derechos Reservados Sus datos personales están protegidos conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares. Consulte el Aviso de Privacidad

    Escuelas secundarias en Coacalco, Edo, finanzas del edo mex.

    #Finanzas #del #edo #mex

    Escuelas secundarias en Coacalco, Edo. de Méx.

    Escuelas (40)
    Opiniones (2)

    Este examen está dirigido a todas las personas que tienen 15 años de edad o más al día de la aplicación del examen, de nacionalidad mexicana, y que cuenten con certificado de estudios de nivel primaria, para que puedan obtener un certificado oficial de secundaria mediante sus conocimientos, independientemente de cómo los hayan adquirido, de manera autodidacta o por experiencia laboral.

    Pasos y requisitos para acreditar el examen CENEVAL de secundaria:

    1. Consultar el calendario de exámenes en el sitio de Ceneval

  • Ingresar al portal para registrarse en línea, dando click aquí, y después elegir las opciones Exámenes para Acreditar un nivel educativo. y ACREDITA-SEC .
  • Deberá ingresar sus datos personales, incluyendo su CURP.
  • Seleccionar la entidad y la sede en la que desea presentar su examen e indicar si tiene alguna capacidad diferente.
  • Concluído el registro de datos, el sistema genera la orden de pago con un número de referencia que debe utilizar para realizar el pago y usted pueda presentar el examen.
  • Una vez presentado el examen deberá esperar a la fecha de publicación de resultados, misma que recibirá por email o podrá consultar en la página de CENEVAL.
  • Si pasó el examen, deberá dar la documentación requerida en la institución y en las fechas del calendario correspondientes para dar comienzo a la expedición del certificado.
  • Concluir la secundaria mediante el INEA en Coacalco, Estado de México e inmediaciones:

    1. Acudir a la delegación del INEA más cercana: Puede ubicar el módulo de atención más cercano a Acapulco, Guerrero e inmediaciones en este enlace
    2. Llenar el registro del participante.
    3. Si los tiene, presentar documentos que validen sus conocimientos adquiridos:capacitaciones, reconocimientos, constancias, diplomas, etc
    4. Identificación oficial con fotografía. y CURP.
    5. Certificado de primaria.
    6. 2 fotografías tamaño infantil.
    7. Presentar un examen en línea*.
    8. En caso de aprobar el examen, recibir el certificado
    9. En caso de no aprobarlo, el participante puede reforzar los contenidos que se le hayan dificultado, y tiene una segunda oportunidad de presentar el examen dentro del periodo establecido


    Algunas escuelas, especialmente las que tienen mayor demanda y cupo limitado, utilizan el modelo de preinscripciones para hacer el proceso más ágil, accesible y cómodo para los padres de familia, sin que pasen largas horas formados afuera de las escuelas. Con este modelo la SEP establece que los estudiantes y sus padres puedan elegir de tres a cinco escuelas de preferencia.

    1. Entrar a la página de preinscripciones correspondiente a su ciudad y estado durante las fechas de preinscripción establecidas en el Calendario Escolar. Puede consultar calendario y portales de preinscripción en Coacalco, Estado de México y poblaciones cercanas , en el siguiente link:
    2. Ingresar los datos de alumno, tutor, escuelas de preferencia y (en caso de que tenga) hermanos y hermanas del alumno interesado.

    Requisitos para inscripción en la secundaria.

    Requisitos para el alumno:

    • Acta de nacimiento en original (únicamente para cotejo) y copia fotostática para la escuela.
    • Certificado de estudios de la primaria.
    • Dos copias de la Clave Única de Registro de Población (CURP): una para el plantel educativo y la otra se devolverá a quien realice el trámite.
    • Comprobante original de domicilio de residencia (únicamente para cotejo) y una copia para la escuela.
    • Fotografías tamaño infantil

    Requisitos para el padre, tutor o representante:

    • Constancia original del domicilio de trabajo del padre o tutor (únicamente para cotejo) y una copia para la escuela.
    • Original y copia de la credencial de elector del padre o tutor para los planteles educativos con mayor demanda.

    Part-time study

    #part #time #online #degrees


    Part-time study

    Further your career, change direction or return to work through part-time study

    LSBU has a range of part-time undergraduate courses to suit you and there are some major benefits to studying part-time.

    No upfront fees

    Home and EU part-time students don’t have to pay tuition fees upfront at the beginning of each year providing their part-time loan is in place from Student Finance England at their face-to-face enrolment. Provided it’s your first degree, new part-time students can access government-subsidised tuition fee loans if they complete a minimum of 25% of the full-time course-load in one year and meet set eligibility criteria.

    If your loan is not in place you will need to pay at least the initial down payment at your face-to-face enrolment session. This will amount to 50% of your yearly tuition fees and will allow you to complete your enrolment. Find out more about tuition fees on our undergraduate Fees and funding page .

    Flexible study options

    We offer a range of professionally-focused courses, developed especially to be studied part-time. Study methods include block release, weekend and evening classes and online learning. In all cases, you’ll be studying with other part-time students for either a reduced or full degree award.

    If you’re looking to take a little longer over your studies then we create an individual study plan that specifies which units you complete each year.

    Select part-time courses in our Course Finder .

    Tuition fees

    Home or EU students studying a part-time undergraduate first degree for the first time may be eligible for a non income-assessed tuition fee loan. You must be studying at an intensity of 25% of the full-time equivalent per year, taking no more than four times the time it would take to complete the course studied full time, up to a maximum of 16 years.

    The majority of fees for the 17/18 academic year have now been set and can be found in the course information given in our Course Finder. Where details are yet to be finalised the 2016/17 fees are shown as a good indicator of costs.

    Student employability

    All of our courses are accredited or developed alongside leading industry professional bodies. LSBU is the No. 1 London Modern university for graduate prospects (Sunday Times League Table 2017) and all our courses are taught by staff connected to relevant professions and underpinned by practical research.

    Search our Course Finder for accreditation and employability information.

    Well located

    If you’re fitting your part-time study around work and family you’ll find our central London campus very easy to get to. If you’re thinking of studying part-time with our Faculty of Health and Social Care based at our Havering campus you’ll be right next door to our partner Trust hospitals where you take your placements. Read more on our Location page and consult our maps and travel information .

    Employer sponsored study

    If you’re an employer interested in a programme of professional development for your staff, LSBU’s employee-sponsored study makes this easier, with attractive payment plans and the opportunity for tailored courses that directly meet your needs.

    Residential Leak Detection

    #residential #leak #detection #services


    Residential Leak Detection

    Is Your Home Protected From Water Damage?

    Do you notice your water bill growing larger? Do you hear water running when you re sure all the taps are off? You may have hidden leaks around your home that can cause serious damage and pose health hazards. If left untreated, leaks can cause foundational damage, promote mildew growth, and more. At American Leak Detection , we provide non-invasive, exact leak detection services to help protect your home and property from structural damage. Our industry-leading services are backed by over 40 years of experience.

    What Makes Us the Right Fit?

    As a locally owned and operated company, we are committed to our customers.

    You can expect the following from our residential leak specialists:

    • We take the time to understand their concerns and address their questions.
    • We use innovative technology and time-tested detection methods to find the root of the leak.
    • Our technicians explain the problem so you can make informed decisions about your home.
    • We offer comprehensive residential leak detection services to address a range of concerns.

    Our team is here to ensure your property and investment remain protected against the potential damages that leaks can cause.When a leak has already caused some issues, we do everything in our power to quickly and efficiently detect the problem so you can protect your home from further damage.

    Ready to Experience the Difference? Call (866) 701-5306 Today!

    When it comes to your home, never settle. At American Leak Detection, we consider ourselves your partners. We provide fast, reliable leak detection services. When you call our experts, you can rest assured you will receive upfront pricing, cost-effective practices, and peace of mind.


    • Leak Repair
    • Gas Line Repair
    • Service Plumbing
    • Smoke Testing
    • Sewer Line Leak Repair
    • Trenchless Pipe Replacement
    • Water Line Epoxy Lining & ePipe Service
    • Sewer Odor Detection
    • Leak Detection
    • Sewer Camera Inspection
    • Drain & Sewer Pipeline Relining
    • Slab Leak Detection

    Pools, Spas & Fountains

    • Leak Detection
    • Leak Repair
    • LeakVUE Services
    • Equipment Repair
    • Crack Injection

    Utility Line Location

    • Utility Line Location

    Cause & Origin

    Employment – Anne Arundel Community College

    #anne #arundal #community #college


    Employment Opportunities at AACC

    Join the AACC team

    If you’re looking for a job where you can thrive, develop professionally and enjoy a healthy work/life balance, you’ve come to the right place. At Anne Arundel Community College, our faculty and staff are dedicated, passionate professionals who are committed to the success of our students and the community at large. We offer numerous exciting and challenging career opportunities and provide competitive salaries and generous benefits in a friendly, collaborative work environment.

    We thank you for your interest in Anne Arundel Community College. The Human Resources department supports the college’s central mission of learning and its commitment to cultural diversity. Through our efforts to recruit and retain a diverse population, we encourage an inclusive environment that reflects the community we serve.

    Anne Arundel Community College is an Equal Opportunity Employer.

    Full-Time Staff and Faculty

    Apply online using AACC’s new applicant system. Please note that applications prior to November 2016 will not be in our new system and paper applications are not accepted. Wondering about benefits. Full-time staff and faculty receive full medical coverage.

    Application Tips

    Before You Begin

    • Select a user name and password that you can remember so you can check the status of your application or apply for additional positions. If you forget your password you can reset it by inputting either your user name or email address on the login page of the employment site.
    • Have dates of employment and education handy as well as contact information of previous employers and references.
    • You will be required to provide an email address. If you do not have an email address, please create one.
    • You will be required to provide your Social Security number. If you do not have one, contact our Human Resources office.

    Entering and Saving Your Application

    You can create an account, work on it as needed, and submit when you’re ready.

    Save time by copying and pasting the information from a Word document directly into the appropriate fields in the application form. You also can log in using your LinkedIn or Vitae account to have much of your information auto-fill into the system.

    Attaching Cover Letters and R sum s

    You can attach a unique résumé and cover letter or other document for each position to which you apply.

    Compare Company Fuel Cards

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    Meet Your New Company Fuel Card!

    WEX Telematics GPS Tracking

    Get a real-time view of where your fleet vehicles are, what your drivers are doing, and how you can improve their performance.

    WEX Connect

    Download WEX Connect, our free app which helps you locate the closest fuel stations with the least expensive gas in the country. Also, find service locations and stations offering diesel, E85 & CNG.

    WEX Level III Data Capture

    Our proprietary network helps you capture data and control what transactions are allowed, including purchase type, time period, and dollars per transaction.

    WEX Large Fleet

    WEX offers large fleets the chance to optimize operations across many geographies, company divisions, and multiple vehicle and equipment types. Learn more about how you can reduce complexity and improve efficiencies.

    WEX Employee Health Accounts

    Massachusetts Department of Higher Education

    #ma #in #education #administration


    New Location: Office of Student Financial Assistance (OSFA) Moves to Malden, MA

    MA Department of Higher Education’s Financial Aid Office to Close Thursday, May 18; Reopen Monday, May 22

    The Department of Higher Education s Office of Student Financial Assistance (OSFA) will move from its current location in Revere to a new office location in Malden effective next week, Higher Education Commissioner Carlos E. Santiago announced today. The office will close for business effective noon on Thursday, May 18 and reopen for business on Monday, May 22. During the office move, no official business or public correspondence regarding state grants, scholarships or tuition waivers will be conducted.

    The new offices opening next week will be located at 75 Pleasant Street in Malden, in the same building that houses the Massachusetts Department of Elementary and Secondary Education, as well as the Executive Office of Education s IT and HR departments. It is a short walk from the Malden Center MBTA stop on the Orange Line, as well as the Commuter Rail station and multiple bus routes.

    Our new location is much more accessible to the public, and our proximity to the staff at DESE will give us fresh opportunities to collaborate with our K-12 partners to improve public access to financial aid information, said Clantha McCurdy, Senior Deputy Commissioner for Access and Student Financial Assistance. We look forward to hosting FAFSA completion events and other activities for students and families at our new offices.

    Please update your files to reflect:

    New OSFA Address: 75 Pleasant Street, Malden, MA 02148
    New OSFA Fax: (617) 391-6085

    Telephone numbers and email addresses for all OSFA employees will remain unchanged .

    Complete information on Massachusetts scholarships, grants and tuition waivers, as well as college affordability tools and resources, are available on the DHE OFSA website .

  • “29 Who Shine” Class of 2017

    Public college and university students chosen as this year’s “29 Who Shine” honorees for their civic leadership and academic achievements were celebrated at the State House on May 5

  • Nontraditional Students, Nontraditional Barriers to College Success

    Commissioner Santiago talks with Comcast Newsmakers about the changing demographics of the undergraduate student population and new strategies to help a more diverse body of students afford and succeed in college, including the Commonwealth Commitment.

  • “We’re In It for the Long Haul”: Addressing Food Insecurity

    On May 5, Bunker Hill Community College convened the first systemwide conference on ending student hunger. BHCC President Pam Eddinger joined DHE Forward to discuss the conference, and where we go from here.

    Making the Case for Clinical Doctorates

    Massachusetts state universities are urging the Board of Higher Education to support their call for the authority to award professional practice doctorates.

    Go Higher! Discover Your Community Colleges, State Universities UMass Campuses

    What is Go Higher?

    Go Higher! promotes college readiness and raises awareness of the growing number of outstanding programs and opportunities available to students at our community colleges, state universities and UMass campuses.

    Go Higher! is a campaign by the Department of Higher Education, in partnership with Massachusetts’ 29 public colleges and universities, to raise awareness of the growing number of outstanding programs and opportunities available to students at our community colleges, state universities and UMass campuses.

  • Commissioner of Higher Ed Urges Newton Students to Go Higher! at Massachusetts Public Colleges and Universities

    April 11th Event at Newton South to Educate Parents, Students About New “Commonwealth Commitment” Program, Opportunities at UMass, State Universities and Community Colleges

    Boston, MA – April 3, 2017 – The Massachusetts Department of Higher Education brings its Go Higher! campaign to promote the state s public colleges and universities to Newton South High School Tuesday night, April 11 at 7 p.m. as Higher Education Commissioner Carlos E. Santiago urges Newton families to consider new programs and opportunities available through the state s public higher education system.

    The Go Higher! program, to which Newton North and Brookline High School families have also been invited, will feature remarks by Santiago and a panel of students currently attending half a dozen public campuses across the Commonwealth. Admissions officers from many of the public colleges and universities plan to be in attendance.

    The event will also give families a chance to learn more about the Commonwealth Commitment program announced by Governor Baker last spring. Through the program, students transferring from any community college to any state university or UMass campuses are eligible to save up to 49% off the cost of a four-year degree, if they attend full-time and maintain a 3.0 GPA. The program will expand next fall to cover more than 16 majors at all 28 public undergraduate institutions.

    Families already know that our public colleges and universities are more affordable; now we want to spread the word about the high caliber of our academic programs, the increase in internship and study abroad opportunities, our honors programs and new facilities, said Commissioner Santiago. We know that in every community, parents are worrying about college costs but also wanting the very best for their children. Especially for students who see graduate school in their future, we think that making smart decisions about the undergraduate experience is more important than ever. That s why we re stepping our efforts to promote the value of public higher education in the Commonwealth.

    The Go Higher! campaign reminds students that by 2020, 72% of the jobs in Massachusetts will require some post-secondary education. In an economy powered by health care and technology-related industries, the greatest need for skilled talent is at the baccalaureate level and higher. At events occurring at high school venues across the state, students from the University of Massachusetts, state universities and community colleges have spoken directly to thousands of high school students, sharing their advice about choosing a college and a major, adjusting to campus life, and preparing for careers through internships and research opportunities. This year, students are also promoting their experience – and savings earned – by transferring from community colleges to four-year institutions.

    It was a tremendous launching pad to get where I want to be, Massachusetts Maritime Academy student Paul Frost told high school students at a recent event, speaking of his experience studying at a community college before he transferred to Mass Maritime. He will graduate this fall with a degree in International Maritime Business, one of the majors available to students at a discount through the Commonwealth Commitment program.

    For more information on the Go Higher! campaign, visit .

  • Governor Baker calls the Commonwealth Commitment a smart, affordable choice for students

    Begin at a Community College and transfer to a State University or UMass campus to get up to 49% off your bachelor’s degree

  • Online Auto Insurance – Quotes Comparison, Find Cheap Rates, Buy Car Insurance Policy Online, online automobile insurance quote.

    #Online #automobile #insurance #quote

    Online Auto Insurance

    Make a Comparison

    Buy your Policy Online

    Online automobile insurance quote

    Operated by Online Auto Insurance ™

    Using the Internet to compare quotes side-by-side allows consumers to quickly pinpoint the insurers offering cheap auto insurance rates for the coverage desired. Instead of calling around or visiting individual websites for quote comparisons, complete one single questionnaire and instantly get back a rate from multiple quality companies such as Progressive, 21st Century, GMAC, Infinity, Unitrin and more, all at the same time! Watch the video to view the process.

    Pay Monthly

    Online automobile insurance quoteChoose monthly auto insurance payments and learn about no down and low down payment options. Paying month to month instead of every 6 or 12 months plus a low start up cost makes it more affordable for many people on a budget by reducing the amount needed to get insured.

    Cheap Companies

    Online automobile insurance quoteThe only way to find cheap car insurance companies is to compare rates. There is no such thing as the cheapest company for all. Each one of us has to search to see which will be cheaper for us individually. Understanding how the rating process works and which factors impact premium is an important part of the shopping process.

    Coverage Recommendations

    Online automobile insurance quoteThe recommended coverage is one which is affordable and protects an insured s investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured s legal liability as a result of automobile accidents.

    Top Rated Companies

    Online automobile insurance quoteWho are the top 10 car insurance companies? Learn the facts about the best rated company and what is used to determine ratings such as financial strength which indicate the stability and ability of a carrier to pay out their obligations. A rating can be valuable when it comes to choosing the right insurer.

    High Risk Drivers

    Online automobile insurance quoteGet high risk auto insurance quotes from companies best for drivers with a record, including accidents and/or tickets or inexperienced drivers, such as teenagers, who may be considered a higher risk. Although bad driving records do affect premiums, there are insurers out there who specialize in the non standard (risky) market and can offer more affordable rates.

    Get Quotes Without Personal Information

    Online automobile insurance quoteNo personal information, such as social security or driver s license numbers, is required for auto insurance quotes. Choose not to provide personal info to protect your privacy. Only basic data about vehicles and drivers is required and providing personally classified data is optional.

    No License

    Online automobile insurance quoteGet car insurance without license through certain carriers who s underwriting guidelines permit it. Those with no drivers license, out of country (international) license and even identification cards from other Countries, such as the Matricula Consular issued by Mexico, may be eligible for coverage.

    Cheap Rates for Young Drivers

    Online automobile insurance quoteA teenage or youthful driver should take a different approach when searching for the cheapest possible rates since their inexperience may have a negative impact on the price of insuring. Learn how a teen can save by comparing prices from a variety of insurers and by taking advantage of all possible discounts such as the good student discount .

    State Specific:

    Online automobile insurance quote

    Pyjama Licorne Achat de combinaisons animaux 2018 pas Cher, idée de chambre adulte.

    #Idée #de #chambre #adulte

    pyjama licorne, La nouvelle tendance !

    Connaissez-vous le pyjama licorne ou le kigurumi ? Le plus confortable, le plus douillet, le plus mignon & le plus charmant des vêtements de nuit existant à ce jour. Vous ne me croyez pas ? lisez plutôt…

    Nous vous offrons un retour à lenfance si vous êtes un adulte ou une approche dun monde imaginaire si vous êtes beaucoup plus jeune, voire même un bambin.

    Pourquoi choisir notre pyjama licorne ?

    Cest une combinaison pyjama dont le tissu, très agréable au toucher, a été spécialement étudié pour que votre confort soit au maximum de ses possibilités. Réalisé en coton ou en flanelle, ce vêtement est unisexe puisquil convient aussi bien aux femmes quaux hommes.

    Sil sinspire dun cheval blanc ou encore danimaux proches de dessins animés, cette tenue propose un univers cocooning dans lequel vous aimerez baigner. Vous naurez jamais froid, car sa texture moelleuse vous enveloppera et gardera la chaleur ambiante toute la nuit.

    Et cerise sur le gâteau, nos prix sont extrêmement raisonnables compte tenu de la qualité de nos produits. Nous vous suggérons, également, de vous pencher sur nos accessoires coordonnés tels nos chaussons et pantoufles licorne. Lhiver arrive, soyez fun & avant gardiste !

    Nos Meilleures Ventes

    Osez le pyjama licorne et les combinaisons animaux

    Vos vêtements de nuit son démodés et ne vous protègent pas du froid ? Pas de panique, il existe le pyjama licorne, de très jolis vêtements dintérieur ressemblant à des combinaisons et vous offrant la possibilité d’incarner un animal ou un héros de dessin animé. Vous pensez que cela vous rendra ridicule ? Vous avez tort. Ces grenouillères licorne très originales sont encore mieux que des chemises de nuit ou des pyjamas polaire car en plus dêtre chaud pour lhiver ils sont devenues très tendances depuis quelques temps. Après avoir connu un franc succès au Japon, les Kigurumis licorne débarquent en France et vous risquez fort de les adopter.

    Cette combinaison licorne imprimé tout doux en molleton ou en flanelle proche du coton bio, convient aussi bien aux hommes quaux femmes : Une vraie combinaison pour homme et pour femme !

    Ces vêtements tendance à l’effigie de Winnie lourson ou danimaux plébiscitsé par tous sont des compagnons idéales pour vos nuits. Quoi de mieux que dormir avec une Licorne, animal autant mystique que légendaire pour faire de vos nuits un voyage onirique vers de doux et lointains horizons.

    Vous endormir avec la combinaison pyjama de votre animal préféré !

    Plutôt que d’enfiler un pantalon et un tee-shirt trop large et qui vous donne une apparence un peu « vieillotte » , glissez-vous dans un des adorables pyjama animaux puis laissez-vous emporter dans les bras de Morphée. Grâce à ces grenouillères, vous allez enfin pouvoir dormir paisiblement et surtout confortablement avec un kirugumi animaux aussi beaux qu’agréables à porter. Que demander de mieux ? Il vous suffit simplement de vous glisser à l’intérieur de cette combinaison pour vous rendre compte à quel point cela vous protège du froid et vous donne du style.

    Le pyjama licorne ne sert pas qu’à dormir

    Contrairement à ce que beaucoup de personnes pensent, ces pyjamas animaux ne servent pas qu’à dormir. En effet, contrairement à une robe de chambre, un ensemble de pyjama ou tout autre vêtements de nuit, il est tout à fait possible de porter un ensemble dans une soirée, une fête ou pour un anniversaire. Avec un kigurumi (aussi connu sous le nom d’onesie), vous allez arborer un look totalement décalé qui fera fureur auprès de vos invités. Enfilez un ensemble Lapin ou pyjama licorne, par exemple et devenez la mascotte de la soirée. Alors plutôt que de passer inaperçu lors des fêtes, venez en pyjama licorne et montrez à quel point vous êtes fun.

    Les bébés et les enfants ne sont pas oubliés par le pyjama licorne !

    Que lon soit une maman à la recherche de brassières originales ou dun déguisement pour fille ou garçon. Vous trouverez votre bonheur à coup sûr. Le Kigurumi fait office de barboteuse bébé tendance. Un très beau cadeau de naissance qui plaira incontestablement par son aspect rassurant et sa douceur. Un dors bien enveloppant qui comblera le sommeil de vos tous petits. Un combi short adapté aux mouvement de bébé en popeline et viscose pour des nuits toutes douces. Quils soit boutonnés ou ouvert cest un vrai nid dange.

    Quels sont les modèles de grenouillères licorne les plus tendances ?

    Petit à petit, combinaison kigurumi envahit la France et certains modèles se démarquent nettement des autres. Ainsi, si vous voulez suivre les tendances, alors vous allez devoir opter pour une grenouillère licorne, un ensemble Panda ou un pyjama Stitch ou n’importe quel autre type de combis animaux. Ces modèles ont littéralement cartonnés au Japon et commencent à connaitre le même succès ici ou ils remplacent petit à petit les nuisettes. Alors pour une soirée déguisée, un enterrement de vie de jeune fille/garçon ou tout simplement pour pouvoir dormir confortablement, c’est le vêtement adéquat. Dans une fête, vous vous démarquerez des autres tout en arborant une tenue à l’effigie de votre animal ou votre héros de dessin animé préféré. Frimer auprès des amis tout en ayant du style, c’est tout à fait possible grâce a ces nouvelles grenouillères modernes. Aussi doux et tendance quune tenue Petit Bateau ou Vert Baudet vous ne regretterez pas votre choix. Faire de bébé, dès la naissance, le centre de toutes les attentions est notre objectif. Lui offrir ce quil y a de mieux est pour nous un gage de réussite. Telle est notre volonté : Proposer à toutes les mamans des produits de qualité pour le bien-être de leurs enfants, telle est notre volonté. Visitez également notre partenaire qui test un hoverboard toutes les semaines il nous a promis de faire un test en combinaison kigurumi bientôt !

    Benigni Mobili, asta mobili.

    #Asta #mobili

    Asta mobili

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    via G.Carducci, 13 | 24066 Pedrengo (BG)

    Tel. (+39) 035.665.858

    Fax (+39) 035.664.605

    В© 2014 Benigni Mobili , All Rights Reserved – Developed by Onlime Privacy Policy

    Whole life insurance, whole of life insurance quote.

    #Whole #of #life #insurance #quote

    Whole life insurance: Financial security for life, and all its uncertainties.

    Whole life insurance is a way to invest in your life, with guaranteed protection for your loved ones. It also builds guaranteed cash value,*which you can borrow against (like a loan), often tax free, to help pay for college, retire a mortgage, cover unforeseen emergencies, or even fund your retirement.** And with four different policies to choose from, it should be easy to find one that meets your needs: high value, low premiums, maximum flexibility—whatever is best for you and your family.

    Guaranteed Protection and Growth

    Standard Whole Life policies protect your loved ones and help you save for your future, too.

    A Customized Pay Schedule

    With Custom Whole Life, you can pay premiums for a set period of time and still have coverage for life.

    Insurance on Two People’s Lives

    Survivorship policies pay out after two people have died, and can be more cost-effective in certain cases.

    Some insurance policies give you a whole lot more.

    It starts with guaranteed protection.

    Whole Life Insurance from New York Life offers permanent coverage, with premiums that never go up.

    Locking in your premium now guarantees protection* for the rest of your life as long as your premium is paid when it’s due, so you can rest assured your family or business is protected—no matter what, no matter when.

    The policy’s proceeds can be used in many different ways, to fund:

    • Your loved ones’ regular expenses
    • The mortgage on your home
    • Gifts to your loved ones
    • Charitable giving
    • Business needs

    Yet, what sounds like the end of the story is really just the beginning of what this policy can achieve.

    It grows guaranteed cash value.

    As long as you keep premiums up-to-date, your Whole Life policy will build cash value. Over time, you can tap into this value to help pay for things like college or a down payment on a home. ** For many, the policy’s cash value is especially useful after children have grown, when there may be less need for the death benefit. At this point, whole life can become part of your retirement plan, supplementing your income as you gradually draw down your cash value.


    There’s another way your policy can grow in value: through dividends. A dividend is a share of New York Life’s divisible surplus. And since New York Life doesn’t answer to Wall Street shareholders, a portion of our surplus is distributed directly to our participating policy owners. Dividends are not guaranteed, but, thanks to our financial strength, New York Life has paid dividends every single year since 1854, including the economic downturn of 2008 and throughout the Great Depression.

    It diversifies your tax situation.

    The cash value of a whole life policy grows on a tax-deferred basis—which can help it grow considerably. And when you borrow from that value, it won’t be taxed. ** In the event of an untimely death, beneficiaries also generally receive the value of your policy tax-free.

    It can help protect your business.

    Whole Life can be used to protect against the loss of key employees, fund buy-sell agreements, ensure the continuation of your business into its next generation, or even reward your top employees.

    Let us customize whole life to your life.

    We can customize your policy to pay premiums only for a set period of time, or increase your insurance benefits and grow your cash value more quickly. Other optional riders (some at additional cost), let you increase your coverage level or boost your coverage for a limited period of time with a term life rider, as well as guarantee your premium payments are taken care of should the insured ever become disabled, and more.

    How could whole life work for you? Contact an expert and find out.

    Urlaubspiraten, Reiseschn – ppchen, Hotelgutscheine, Fl – ge, schnäppchen reisen.

    #Schnäppchen #reisen

    Urlaubspiraten Reisen zu Piratenpreisen!

    Fr hbucher-Rabatt – Die besten Schn ppchen f r die Sommer-Saison f r alle Bundesl nder

    Auszeit im Wellness-Resort: 3 Tage Slowenien nur 99 mit Halbpension Sauna

    Falkensteiner Luxus in Kroatien: 3 Tage im neuen 4* Hotel ab 114 p.P. mit All Inclusive

    Hallo Piraten! Es wird wieder einmal Zeit für einen Trip nach London, findet ihr nicht? Das passende Angebot dafür steht auch schon in den Startlöchern. Für unglaubliche 199€ pro Person verbringt ihr vier Tage im 5* Hotel mitten im Zentrum und habt neben dem Frühstück auch noch die Flüge im Preis enthalten! Euer Kurztrip geht

    Ahoi Piraten! Nach der hektischen Weihnachtszeit seid ihr auch noch nicht so richtig zur Ruhe gekommen? Dann haben wir jetzt das perfekte Angebot für eine Auszeit im Wellness-Resort für euch. Entspannt ein paar Tage in der Therme und lasst es euch so richtig gut gehen. Das Beste? 3 Tage kosten euch gerade einmal 99€ pro

    Ahoi Piraten, jedes Jahr um diese Zeit machen sich Tausende Menschen Gedanken um den nächsten Sommerurlaub. Gleichzeitig werben alle großen Veranstalter mit großzügigen Frühbucherrabatten. Und natürlich habt ihr jetzt noch die Auswahl unter sehr vielen Abflughäfen und vor allem den besten Terminen. Genau dafür haben wir unseren Reisepreisvergleich entwickelt. Er nimmt euch die nervige und

    Aufgepasst Piraten! Wenn ihr im Urlaub am liebsten alles schon im Preis dabei habt und euch um nichts kümmern wollt, seid ihr hier genau richtig! Denn bei diesem Ägypten-Schnäppchen bekommt ihr das volle Luxuspaket unter 200€ für eine Woche! Neben der All Inclusive Verpflegung habt ihr die Flüge und den Transfer im Preis dabei. Besser

    Aufgepasst Piraten! Erst letztes Jahr wurde dieses Hotel neu von der Falkensteiner-Gruppe übernommen, komplett renoviert und auf das gewohnte Niveau gehoben. Bevor wir euch aber hier mit Worten langweilen schaut ihr euch am besten Mal das kurze Video vom Hotel an und überzeugt euch selbst: Falls ihr nun also Lust auf einen Trip nach Kroatien

    Deal anschauen: Neuentdeckung mit den besten Bewertungen: 7 Tage Kreta im 4* Hotel mit Halbpension ab 398€

    Ahoi Piraten! Wir haben hier einen Schnapper der Extraklasse für euch, den ihr euch nicht entgehen lassen solltet. Wir sind gerade selbst erstaunt, das uns dieses Angebot bisher unter dem Piraten-Radar verborgen blieb. Das überragend bewertete 4* Corissia Princess liegt an der Nordküste Kretas und hat den vielleicht begehrtesten Hotelpreis der Europäischen Hotelbewertungslandschaft erhalten. Den

    Deal anschauen: Frühlingsgefühle auf der Blumeninsel: 1 Woche im 4* Hotel für 416€ mit Frühstück & Flügen

    Ahoi Piraten! Die Blumeninsel Madeira gilt als Wanderparadies schlechthin, doch man muss nicht unbedingt Sport mögen, um an der Insel gefallen zu finden. In Porto Moniz gibt es ein Naturschwimmbecken, welches ihr euch auf keinen Fall entgehen lassen solltet. Euch bietet sich dort ein unvergessliches Panorama zwischen Vulkangestein und dem weiten Meer. Für eine Woche

    Deal anschauen: Endlich – die Billigflieger landen in Wien! Jetzt auch mit Wizz Air günstig ab Österreich

    Gute Nachrichten, Piraten! Endlich lässt sich am Flughafen Wien eine neue Billigairline nieder und bringt hoffentlich etwas Bewegung in die Flugpreise ab Wien. Nach dem Wegfall von Niki bzw. airberlin steht derzeit noch offen ob Vueling bzw. deren Konzernmutter IAG übernimmt, auch wenn alles derzeit danach aussieht. Konkurrenz belebt bekanntlich das Geschäft, weshalb wir nun

    Deal anschauen: Schickstes Hotel auf Mauritius? 13 Tage im 5* Sofitel mit Halbpension & Flügen ab 1.561€

    Deal anschauen: 5* Steigenberger Luxus am Roten Meer: 7 Tage All Inclusive ab 325€ p.P. mit Flügen & Transfer

    Deal anschauen: Mamma Mia!-Insel Skopelos: 7 Tage im Top 4* Hotel der Film-Stars schon um 530€ p.P.

    Kalimera Piraten! Wer kennt ihn nicht? Der Film Mamma Mia! nach dem bekannten Musical bzw. den Liedern von ABBA hat viele von uns zum Träumen gebracht. Nun habt ihr die Möglichkeit eine traumhafte Reise auf die Insel Skopelos für kleines Geld zu ergattern, welche eine wahre Perle unter den griechischen Inseln ist. Das Sahnehäubchen auf

    Deal anschauen: Formentera Schnäppchen: 1 Woche im Hotel direkt am Meer ab 537€ mit Halbpension & Flügen

    Ahoi Piraten! Für Formentera ist es normalerweise recht schwierig, ein richtiges Schnäppchen zu finden. Normalerweise kann man schon froh sein, wenn man noch etwas unter 700€ bekommt. Doch gerade haben wir ein echt tolles Angebot für die wunderschöne Insel gefunden, denn für 7 Tage bezahlt ihr gerade einmal 537€ pro Person mit Halbpension, den Flügen

    Deal anschauen: Samba ist angesagt! Hin- und Rückflüge von Wien nach Brasilien ab 439€

    Erst vor ein paar Stunden gab es mit Air France günstige Flüge nach Südafrika und schon steht der nächste Flugkracher in den Startlöchern! Ebenfalls mit Air France könnt ihr für nicht einmal 500€ nach Brasilien aufbrechen. Zur Auswahl stehen euch São Paulo und Rio de Janeiro – los geht es ab Wien! Flüge Die günstigsten

    Deal anschauen: Ein wahres Schmuckstück unter den Luxushotels: 5 Tage Kos für 445€ mit Halbpension

    Jassas Piraten! Euer Urlaub soll vor allem eins sein: möglichst luxuriös? Dann seid ihr hier genau richtig! Denn wir haben gerade ein wunderschönes 5* Hotel auf der beliebten Insel Kos entdeckt, für das ihr für 5 Tage nicht einmal 500€ bezahlt. Mit dabei habt ihr neben den Flügen außerdem Halbpension und den Transfer! Direkt am

    Deal anschauen: WOW! Hin- und Rückflüge ab Wien nach Bangkok für nur 459€ nonstop

    Unglaublich, Piraten! Gerade haben wir top Flüge nach Bangkok mit Austrian Airlines ab Wien entdeckt. Schon ab 459€ startet ihr nonstop in den Traumurlaub nach Thailand. Packt schon mal die Badehose ein! Flüge Ihr findet zahlreiche Termine ab sofort bis Dezember – einige Beispieltermine haben wir euch bereits oben verlinkt, weitere findet ihr in unserer

    Deal anschauen: Traumurlaub sichern: 1 Woche Spanien im 4* Strandhotel ab 445€ IM JUNI mit Halbpension

    Ahoi Piraten, nicht nur bei den griechischen Inseln kann man waschechte Schnäppchen ergattern, wenn man frühzeitig bucht! Gerade auf dem Festland an den Küsten warten traumhafte Hotels, die normalerweise ein stolzes Sümmchen kosten, wenn man sich dort eine Portion Ferien genehmigen will. Damit ihr das alles zum top Preis abstauben könnt, haben wir uns jetzt

    Deal anschauen: Einmal Südhalbkugel bitte! Nur 377€ für Hin- und Rückflüge nach Südafrika von Wien

    Auf euerer Reiseliste steht für den kommenden Urlaub Südafrika ganz weit oben? Dann solltet ihr unbedingt bei diesen Flügen zugreifen. Mit Air France/KLM geht es ab Wien schon für 377€ hin und zurück nach Johannesburg. Flüge findet ihr schon ab Jänner, dann ist auf der Südhalbkugel auch grad Sommer – perfekte Reisezeit! Reisezeit Ihr verreist

    Deal anschauen: Sommer auf Mallorca: 14 Tage im stylischen 4* Hotel mit All Inclusive & Suite für 898€

    Ahoi Piraten, soeben haben wir das perfekte Schnäppchen für euren Jahres-Urlaub entdeckt. Denn zieht euch das hier mal rein: Das 4* Hotel FERGUS Style Cala Blanca Suites befindet sich im wunderschönen Küstenort Santa Ponsa. Neben der stylischen Einrichtung erwartet euch ein krasser Panorama-Pool, der euch eine einzigartige Aussicht über die “Weisse Küste” der Balearen-Insel bietet.