Car Insurance Quotes – Auto Insurance, Progressive, free insurance quote online.

#Free #insurance #quote #online


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Loan/lease payoff is also called gap insurance. If your car is totaled, we’ll help pay off the balance of your loan (up to 125% of your vehicle’s current value).

Example: You finance $30,000 for a new car. The second you drive it off the lot, it could only be worth $25,000. If your car is totaled, you’re still responsible for the $30,000 on the loan. Add this and we’ll pay $25,000 for your car + the $5,000 left on your loan.

Progressive guarantees repairs

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Home Page – Camera di Commercio di Bologna, camera di com.

#Camera #di #com


Camera di com

Videosorveglianza, casseforti, blindature, sistemi antitaccheggio, porte di sicurezza, vetri antisfondamento, sistemi biometrici di accesso, dispositivi di illuminazione notturna, sistemi di pagamento elettronici, rilevazione delle banconote false: sono alcune delle spese per le quali le imprese bolognesi possono chiedere il contributo a fondo perduto della Camera di commercio.

LUNEDI’ 30 APRILE GLI UFFICI SARANNO CHIUSI

Ci scusiamo per il disagio.

SANA 2018 – LE AZIENDE BOLOGNESI POTRANNO ESPORRE CON LA CAMERA DI COMMERCIO – DOMANDE ENTRO IL 4 MAGGIO

La Camera di Commercio di Bologna, anche grazie al cofinanziamento di BolognaFiere Spa, conferma la propria presenza alla manifestazione fieristica SANA – 30° Salone internazionale del biologico e del naturale – che si svolgerà a Bologna dal 7 al 10 settembre 2018. La Camera metterà a disposizione delle imprese bolognesi 40 stand allestiti. La domanda può essere presentata entro il 4 maggio 2018.

REGISTRO IMPRESE – MANUALE BILANCI 2018

Pubblicato il Manuale per il deposito Bilanci 2018 aggiornato con le notivà introdotte dalla normativa più recente

PREMIO STORIE DI ALTERNANZA – SCADENZA 20 APRILE

Un Premio, 5.000 euro complessivi, per gli studenti che hanno svolto un periodo di alternanza scuola-lavoro.

MUD – Modello Unico Dichiarazione Ambientale – da presentare entro il 30 aprile 2018

E’ stato approvato il nuovo Modello Unico di dichiarazione ambientale MUD da presentare entro il 30 aprile 2018 con riferimento all’anno 2017.

CONTRIBUTI ALLE IMPRESE PER L’ATTIVAZIONE DI PERCORSI DI ALTERNANZA SCUOLA-LAVORO

Anche nel prossimo anno scolastico (2018-2019) le imprese bolognesi potranno contare sui voucher della Camera di commercio di Bologna per attivare stage di alternanza scuola-lavoro: 300 euro per ogni studente ospitato che salgono a 500 euro per stage rivolti a ragazzi con disabilità. Domande dal 1 ottobre al 7 novembre 2018

CONTRIBUTI A FONDO PERDUTO A 100 STUDENTI CHE SCEGLIERANNO INFORMATICA ALL’UNIVERSITA’

La Camera di Commercio per indirizzare gli studenti dell’Area Metropolitana di Bologna a scegliere nell’anno accademico 2018-2019 i corsi di laurea triennale in Informatica, Ingegneria informatica ed Informatica per il management dell’Università di Bologna, assegna a 100 studenti contributi a fondo perduto da 3.000 euro. Domande dal 18 settembre al 19 ottobre 2018

ETICHETTATURA ALIMENTARE: COME ESSERE IN REGOLA CON LE NOVITA’ CHE SCATTANO DAL 9 MAGGIO

Dal 9 maggio entrano in vigore nuove sanzioni in materia di etichettatura degli alimenti. Il sistema camerale mette a disposizione un servizio per l’elaborazione di bozze di etichette e per consulenze giuridiche.

COMMERCIO INTERNAZIONALE DELL’AREA METROPOLITANA DI BOLOGNA

E’ di 13,7 miliardi di euro il valore delle esportazioni bolognesi tra gennaio e dicembre del 2017 secondo gli ultimi dati diffusi da Istat; 7,9 miliardi invece per le importazioni. Il 2017 si chiude con un +6,5% per quanto riguarda le vendite estere ed un +10,9% per gli acquisti. Il saldo raggiunge i 5,8 miliardi di euro (+0,9% in corso d’anno).

I PROFILI DEI DIPLOMATI CERCATI DALLE IMPRESE

Nel 2017 le imprese bolognesi hanno previsto 29.420 assunzioni di lavoratori dipendenti in possesso del diploma di scuola secondaria. Gli indirizzi più richiesti sono “amministrazione, finanza e marketing”, e “meccanica e meccatronica”. Lo rivelano le indagini Excelsior realizzate dalla Camera di commercio in collaborazione con Unioncamere e l’Agenzia Nazionale per le Politiche Attive del Lavoro.

+2% L’ AUMENTO MEDIO DELL’ECONOMIA BOLOGNESE SUL 2016

Quadruplicata la crescita degli ordini nel manifatturiero. La domanda dall’estero traina le imprese metalmeccaniche, +6%. I turisti aumentano il volume d’affari delle strutture ricettive, +5%. E’ quanto risulta dallo studio dell’Osservatorio camerale sulla congiuntura delle piccole e medie imprese bolognesi.

LE IMPRESE BOLOGNESI HANNO RIPRESO AD INVESTIRE

Due imprese manifatturiere su tre hanno effettuato investimenti nel 2017. In tutti i settori le imprese che hanno investito sono la maggioranza. E’ quanto emerge dalle elaborazioni dell’Osservatorio Congiuntura della Camera di commercio.

Attenzione alla truffa

Telefonate e richieste di pagamento ingannevoli: le imprese li stanno ricevendo con frasi e diciture che possono far credere di essere riconducibili alla Camera di Commercio, che ne è invece del tutto estranea. Occorre prestare molta attenzione.


BAföG, Peter Deutschmann, rechtsanwalt ausbildung.

#Rechtsanwalt #ausbildung


rechtsanwalt ausbildung

Herzlich willkommen auf der BAföG Seite von Rechtsanwalt Peter Deutschmann in Berlin und Brandenburg –

Ihr Spezialist für BAföG und Ausbildungsförderungsrecht !

Die letzte Erhöhung der BAföG Bedarfssätze und Freibeträge hat leider kaum die vorherige Inflation ausgeglichen. BAföG bleibt für rund 20 % der Studierenden und für viele Schüler ein existenzielles Thema in ihrer Ausbildung. Während, vor und nach einer „BAföG-Karriere“ entstehen für Schüler, Studenten und für ihre Eltern viele Fragen, aber auch Konflikte mit den zuständigen BAföG Ämtern.

Mit meinem in rund 20 Jahren erworbenen BAföG-Fachwissen (langjähriger studentischer BAföG-Berater an der HUB und „BAföG-Experte“ der Gewerkschaft Erziehung Wissenschaft sowie langjährige Tätigkeit als Rechtsanwalt in diesem Spezialgebiet) stehe ich Ihnen für eine kompetente anwaltliche Beratung und eventuelle Verfahrensbegleitung vorrangig in der Region Berlin und Brandenburg (z.B. Kooperation mit dem AStA der Uni Potsdam) und in den weiteren östlichen Bundesländern zur Seite und helfe Ihnen, Ihre gesetzlichen Ansprüche zu sichern.

Ein wesentlicher langjähriger Schwerpunkt meiner Tätigkeit im Bereich BAföG ist auch die Arbeit als Verteidiger in den BAföG-Betrug Fällen in Strafverfahren und in Bußgeldverfahren. Bitte vergleichen Sie auf der linken Menüleiste unter Strafrecht und meine zahlreichen Artikel zu diesem Thema auf meinen Unterseiten (rechte Menüleiste unter Aktuelles und im Archiv über die Suchfunktion rechts unten). Auf der linken Menüleiste finden Sie weitere Informationen zum Thema Datenabgleich und BAföG Betrug sowie zum Thema elternunabhängiges BAföG.

Als Schwerpunkte meiner Beratungstätigkeiten haben sich u. a. folgende Themen herauskristallisiert:

  • Rückforderung des Amtes bei vermeintlichen Überzahlungen
  • behördliche Anforderungen bei einem Fachrichtungswechsel (Neigungswandel, Eignungsmangel, wichtiger Grund)
  • Gründe für das Überschreiten der Förderungshöchstdauer bzw. für die verspätete Vorlage der Leistungsnachweise nach vier Semestern (Krankheit, Kindeserziehung, Behinderung, Schwangerschaft, Gremientätigkeit )
  • Voraussetzungen für elternunabhängiges BAföG
  • Zusammenhang zivilrechtlicher Unterhalt und BAföG
  • Vorausleistung des Amtes, wenn die Eltern nicht zahlen
  • Einzelheiten der Einkommensanrechnung sowie der Vermögensanrechnung
  • Möglichkeiten des Überschreitens der Altersgrenze (30 Jahre)
  • Angelegenheiten der Rückzahlung von BAföG-Leistungen
  • BAföG-Bankdarlehen
  • Verhalten beim Vorwurf „ BAföG-Betrug “, Datenabgleich
  • zweite Ausbildung, Zweitstudium etc.

Wegen der sehr langen Verfahrenszeiten an den Verwaltungsgerichten und der recht hohen Anforderungen für einstweilige Anordnungen (gerichtliche Eilverfahren) ist es meist sachdienlich, schon im Widerspruchsverfahren oder vor der Antragstellung kompetente Beratung in Anspruch zu nehmen, um eine eventuelle behördliche Ablehnung zu vermeiden, und damit alle Möglichkeiten einer Entscheidung zu Ihren Gunsten auszuschöpfen. Eine Beratung oder Vertretung beim Widerspruch oder bei einer Klage am Verwaltungsgericht durch einen fachlich spezialisierten Rechtsanwalt kann zudem natürlich sehr förderlich sein.

Wenden Sie sich deshalb frühzeitig vertrauensvoll an mich.

Weitere BAföG-Artikel von mir befinden sich unter Aktuelles (rechte Menüleiste) und im Archiv rechte Menüleiste:

November 2008, Juni, August, September und November 2009 sowie März, April, Mai, Juli, Oktober 2010 und März, Mai, Juni, Juli, September, Oktober 2011, Juli 2012; November 2013, Februar 2014, Januar 2016.

Bitte vergleichen Sie auch auf meiner Seite Referenzen (oben rechts) die Bewertungen meiner Tätigkeit von Mandanten sowie meine Veröffentlichungen zum Thema BAföG außerhalb dieses Internetauftritts.

Ich betreibe meine Kanzlei als Einzelanwalt und kann Ihnen daher eine sehr persönliche und vor allem außerordentlich engagierte Betreuung eines in diesem Rechtsgebiet besonders erfahrenen Rechtsanwaltes entsprechend Ihrer individuellen Bedürfnisse zu äußerst fairen Bedingungen anbieten. Die Kanzlei befindet sich im Ortsteil Prenzlauer Berg, Bezirk Pankow von Berlin am S-Bahnhof Greifswalder Straße (S-Bahn-Ring)

Gerade im Rechtsgebiet BAföG sind die Fälle hinsichtlich des Umfangs, der Schwierigkeit, der Bedeutung für die Mandanten sowie hinsichtlich ihrer wirtschaftlichen Leistungsfähigkeit sehr unterschiedlich. Ihre Kosten betragen daher abhängig von den genannten Kriterien 50 100 € zzgl. MwSt für jede Stunde meiner Tätigkeit für Beratungen.

Staatliche Beratungshilfe wird Ihnen natürlich gewährt, wenn die Voraussetzungen vorliegen. Bei Vertretungen in Widerspruchs- und Klageverfahren gilt das Rechtsanwaltsvergütungsgesetz (RVG).

Bitte berücksichtigen Sie, dass ich Beratungen im Regelfall nicht ohne Vorbefassung mit dem Sachverhalt (das heißt nicht ohne vorherige Durchsicht von Bescheiden, Unterlagen, Belegen etc.) durchführe. Damit wird eine sehr gründliche Bearbeitung gewährleistet und mir die Gelegenheit gegeben, den Fall zu durchdenken und Ihnen auf einer fundierten Grundlage den für Ihre Interessen günstigsten Rat zu erteilen.

Aus gegebenen Anlass weise ich darauf hin, dass natürlich auch telefonische Beratungen kostenpflichtig sind, wenn sie einen erheblichen Informationsgewinn im Einzelfall darstellen und wenn sie nicht ausschließlich der Vorbereitung eines persönlichen Beratungstermins oder der Anbahnung einer Vertretung dienen.

Außerdem sind meine Beratungen darauf gerichtet, Sie in einen Kenntnisstand zu versetzen, der es Ihnen im günstigsten Fall und wenn Sie es wünschen ermöglicht, Ihre Verfahren (z.B. das Widerspruchsverfahren gegen einen Bescheid einer Behörde) weitgehend selbstständig, ohne echte Vertretung durch einen Rechtsanwalt, das heißt auch ohne weitere Kosten also sehr kostengünstig – für Sie zu betreiben.

Zur Vereinbarung von Terminen/ zur Kontaktaufnahme rufen Sie mich bitte an oder Sie schreiben mir bitte eine kurze E-Mail (siehe unter Kontakt ).

Bitte hinterlassen Sie in jedem Fall eine Telefonnummer, damit ich Sie gegebenenfalls schnellstmöglich anrufen kann.

Sollten Sie Werbung wie kostenlose (Erst-) Beratung durch Rechtsanwalt oder ähnliches lesen – es ist bei der Anwaltswahl wie im richtigen Leben: fast nichts ist kostenlos zu haben!

Bitte beachten Sie die meist umfangreichen Bedingungen eines solchen Angebots (in Werbekreisen auch als Gratis-Masche bekannt), rechnen Sie mit einer äußerst oberflächlichen und sehr kurzen Erstberatung / Erstgespräch ohne Berücksichtigung individueller Besonderheiten und höchstens im Sinne einer sehr groben Orientierung ohne gründliche Vorbefassung sowie mit der sehr starken Neigung derartiger Beratungen , weitere Beratungen, Verfahren und v.a. unnötige anwaltliche Vertretungen etc. zu empfehlen, die ein überhöhtes Kostenrisiko für Sie haben könnten und möglicherweise sehr geringe Aussichten auf Erfolg.

Tätsächlich kostenlose BAföG-Beratungen durch einen Rechtsanwalt gibt es in einigen Unis und Hochschulen von den Studierendenvertretungen organisiert und bezahlt. Aber auch dort stehen wie bei den anderen sogenannt kostenlosen Erstberatungen höchstens 10-15 Minuten pro Fall zur Verfügung, was aber im Regelfall für eine seriöse gründliche Einzelfallberatung keineswegs ausreicht.

und noch ein Tipp für die richtige Anwaltswahl:

die Formulierung Fachanwalt für BAföG-Recht oder ähnlich ist im Katalog der zulässigen Fachanwaltsbezeichnungen gem. § 1 der Fachanwaltsordnung (FAO) nicht enthalten, das heißt ein solcher Fachanwaltstitel existiert nicht!


LIBRUNED – Libros de la UNED de segunda mano, finanzas libros.

#Finanzas #libros


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Finanzas libros


Bad, bad.

#Bad


SEBRING, Fla. (March 17, 2018) –

The No. 4 Mobil 1/SiriusXM Chevrolet Corvette C7.R of Oliver Gavin, Tommy Milner and Marcel Fдssler took the GT Le Mans (GTLM) lead right at the four-hour mark after starting ninth in the category, and the 2016 Sebring class winners remained among the front-runners past the halfway mark.

“It looked like in the middle of the race that we were looking pretty good. As we started to lose the sunlight, it looked like we lost the balance and performance in the car. We were unable to generate the grip we needed to be competitive. There are some lessons to learn here. We battled all weekend with our Corvette and tried to come away with as many points as possible. It’s frustrating through to have a clean race, not make any mistakes and come away with nothing. Marcel and Tommy drove well. We rolled the dice a couple of times on strategies.”

“All things considered, that was as good as we could have expected today when you look at how practice shook out. All the guys on the team did a great job. Marcel and Olly did a great job – no mistakes. I only had one little bit of contact from another car all day between the three of us. We can’t be unhappy about that. We tried everything we could throughout the race to make something happen… strategy calls, car changes, things like that. We can be proud of the effort we put in all weekend. We never gave up! But I still think we can be disappointed with the finishing result. That is a valid frustration. We got OK points. Our Corvette’s in one piece. We can all hold our heads high knowing we did the best job we could today.”

“If you look at the results, I think it we can for sure be a bit disappointed because we knew it was going to be a very tough race for us going into it today. But now seeing it… that there really wasn’t a chance to go on the podium, it is disappointing for the team. But we look now to the future, and we know that we come back stronger. It wasn’t our weekend, now we focus forward.”

“For us here, it feels like we either go from winning to completely out of contention. It is a bit of a shame to not even be able to fight for it. We knew at the start that it would be hard. After the puncture, we kind of came back and I had the feeling following the Porsches that the car wasn’t that bad. That was in the opening hour. I had some hope there that it was probably going to be a good race for us. But then everything fell apart. It was very unfortunate. It was very difficult to spot are issues were. We lost a ton of laps. In this category, as soon as you have a little mistake, you lose every opportunity.”

This is Sebring for you. When things are great around here, man they are so great. But when they are like they are today, boy is it a long day. Our guys worked hard so we could go back out. We drove to the end to take whatever we can take. It is just about salvaging one or two more points if we can. It’s not what we came here for, but it is what we have.”

“I had a couple of decent stints there. In the first one, we were still struggling with the steering. After that, things were fine. The Corvette was very good and it was good to get more laps. The track was difficult and very greasy for everyone toward the end of my second stint. We thought we would have a chance of victory, but we tried everything we could. Our pace was similar to the No. 4 Corvette. Things happen at Sebring but we kept fighting.”

The C8R can't come fast enough!

You think the C8R is going to come in and dominate? If it does its because we sandbag and they haven't figured out how to BoP it yet. They'll restrict it back to the pace of the field. All C7R needs is them to open the restrictors on the intake manifold.

. and there you have it – a waste of time keeping up with this series of fixed capabilities. Much better off just keeping up with Vette lap times at various tracks to see the truth of it. Still rooting for Team Vette but it’s just too fixed to be racing.

— 72 from st coll on 03.25.2018 at 1:53PM

DETROIT (Jan. 28, 2018) – Corvette Racing turned in a mistake-free run with both its Chevrolet Corvette C7.Rs to post third- and fourth-place class finishes in the Rolex 24 At Daytona to open the IMSA WeatherTech SportsCar Championship. The result was a positive effort as Corvette Racing begins its 20th season of competition.

“I think we can be happy. We again didn’t make any mistakes by the drivers, the pit stops were fine… we may have had an unscheduled stop for brakes. Other than that, everything worked perfect. We just didn’t have the pace. It was a little bit like what happened a lot last year. If this was Lime Rock, I’d be super happy with third. But here at Daytona or Le Mans, you only want to win. That’s part of our driver mentality… we want to win these races. But we can be proud. Our guys did a fantastic job. We showed all we had and gave it all. If the Fords were faster than us, we can’t do anything else but congratulate them. We just didn’t have enough to fight them, especially with the limited number of yellow flags.”

“This year’s race was a lot difference than previous years because of the lack of safety car periods. Usually, you had to get the car right for the last three or four hours, and then in the last hour you had to nail it. This year, you had to push the whole way. By the end of it, we didn’t have enough, which is a shame because we ran a good race. We didn’t go throughout any issues but we didn’t hit anything and the car is in one piece. We ran out of brakes at the end because we were pushing the whole way through. So that’s something we’ll have to look into. It’s the most physical Rolex 24 I’ve ever done. I didn’t do one stint behind the safety car. I think I did 10 stints and every one of them was full-on. We’ll go back, look at everything and get ready for Sebring.”

“At the end, we had quite a good race. We just didn’t have enough in our Corvettes to win today, but that is racing. In the end, we showed very strong performance… the car, the crew and the engineers. The car stayed in one piece and we had no technical problems. We’ll attack again next time and try to win at Sebring. This is a great start for Corvette Racing in the points, but there is a small disappointment because we wanted to win again.”

“Today was tough… hard, demanding. But the team never, ever gave up. They always had a plan and a strategy to try and get us back to the front. We worked through any problem we had. We didn’t have a completely faultless race; there were some issues and problems we had to work through. But that is what this team is fantastic at – working through the problems. Yes, we got fourth place today but that’s great points for us. Last year we finished ninth here, and it wasn’t a particularly good start for us. But this year we have good fourth place points. It gets us a good start in the championship. That’s positive. We are now moving ahead to Sebring. That race is another classic and another gem in the endurance racing crown. We are looking forward to that. But 24-hour races are tough; they are brutal. And today’s was just another one of those. I was surprised that there were only four cautions throughout the entire race. That was really, really surprising. So this was a good, solid fourth place to the team. Good points and we will move on to Sebring.”

“What an incredible race. I guess this race set every record for distance traveled and laps completed with really no big issues for us whatsoever. We can be really proud as a team. The cars were faultless. Just missing that little bit of pace and when you don’t have that many cautions, you can see the gap to the winners. Congratulations to those guys, You could see they had a great race. For us at Corvette Racing starting our 20th year in competition… no better way to start the season by getting both cars to the finish with no problems and no issues. That’s really impressive.”

“This was really pretty awesome. The race kept me very busy during the night with the rain because it was actually quite difficult to judge how much standing water there is. I had a big moment once in the oval when I was close to spinning as a result of hydroplaning, but somehow I was able to manage it. At the end of the day we had no mistakes; we did everything right. But I have to say we just didn’t have the pace of our opposition unfortunately. This race is normally known for a lot of cautions. There were hardly any this weekend so that didn’t allow us to have the opportunity to put pressure on the top two cars. I think we can still be happy and proud of the work we have done. There were no mistakes, the strategy had everything right, but it didn’t pay off. Now we are looking forward to Sebring with good points.”


Income Protection Insurance – Instant Online Quote, income protection insurance quote online.

#Income #protection #insurance #quote #online


Income Protection Insurance – Product Guide, Information, Instant Online Quotes and Apply Online Today

What is Income Protection Insurance?

Have you considered how you would cope financially if you could not work due to an illness or disability? State benefits will only pay 88.45 (as of June 2016) per week for a maximum of 28 weeks and that is if you are entitled to claim. How would you make the mortgage payments, pay bills, supply for your family and buy petrol, food, etc.

Income Protection Insurance, also known as Income Protection, Income Insurance or Income Replacement Cover, provides you with a tax free monthly income until your selected retirement age (usually between 50 and 70) if you are unable to work due to an illness or disability.

The premiums are calculated based on your occupation, age, health, estimated retirement age and the amount/level of cover that you choose. When applying for cover you will need to select a deferment period, this is usually 4, 8, 13, 26 or 52 weeks, and represents the amount of time that you will need to be off work before you can claim. Please note that we also offer deferment periods of 1 day and 1 week, if you are interested in these options please Contact Us.

Income Protection Insurance is often mistaken for ASU (Accident, Sickness and Unemployment) Cover. Income Protection provides long term protection of income for illness or disability, whereas ASU provides short term cover for Accident, Sickness and redundancy. For more information regarding the differences between these policies, please view our online comparison here.

Here at Top Quote Online we allow you to instantly compare Income Protection Policies from the UK’s leading providers through use of our advanced online quotation system. We are one of the leading brokers for Income Protection Insurance in the UK and you can either get an Instant Income Protection Quote Online or speak to one of our qualified advisors by calling us free on 0808 1782 777.

I am Self Employed, can I Protect my Income?

Most self employed persons whether as a sole trader or partnership are able to take out income protection cover, however you must be extremely cautious with regards to eligibility and income. Firstly your income is defined as your ‘net profit’ declared on your self assessment forms: This is your income before you pay tax but after your business expenses have been deducted. At the time of claim income protection is based on your income (normally over the last 12 months or last tax return) so you need to keep an eye on your benefit to ensure you do not become over- insured further down the line.

I am a Company Director, can I Protect my Income?

Yes, Company Directors are technically employees of their own companies so they can take cover out. You will need to be careful if you take dividends as different insurers look at them differently. Many providers will consider your dividends alongside your salary in the event of an incapacity claim, however if you continue to draw dividends from the company during incapacity then your claim may be reduced. It should be noted that some insurers will look at an average of the last 12 months and some the last 36 months. Some insurance companies will not take dividends into account at all.

I work Part Time, can I Protect my Income?

If you work more than 16 hours per week most companies will allow you to take out cover, but you must make sure you do not over insure yourself. Remember you can usually insure yourself for around 50% of your gross annual income although some companies do slightly more than this.

I am Unemployed, can I Protect my Income?

Typically you cannot take income protection insurance out if you are unemployed. Although some companies will offer a policy called House Person’s Income Protection which covers a set monthly benefit if you are unable complete a number of daily actives. The alternative to this of course is to look into Critical Illness Cover which is not financially underwritten.

How Much Income Protection Insurance do I Need?

Most income protection companies in the UK offer a maximum of 50-65% of your annual salary, however based on current legislation you do not pay tax on these benefits. To assess how much cover you require, we recommend that you figure how much money you require per month, i.e. mortgage payments, rent, bills, food, etc. and use this as a starting figure. Most people insure around 50% of their income, however some people only decide to cover mortgage payments. If you require any advice on this you can contact one of our experienced advisors by using the details on our Contact Us page.

What is Index Linked Income Protection Insurance?

This means that your cover will increase each year in line with inflation. Do be careful though as your premiums will also increase if you choose this option. Typically this is a good idea as 1000pm now will not be worth the same in 10 years time. Again you need to be careful that you are eligible on an ongoing basis with index linked cover as you will still be assessed at point of claim based on your taxable earnings.

Can I Claim in Addition to Sick Pay or Other Policies?

Most policies will have a clause that states they will pay up to a certain percentage of income minus any other income you may receive. This can include other insurance policies and/or sick pay, it may also dependent upon the chosen policy, class benefits such as jobseekers allowance into account. For this reason it is always worth speaking to an advisor before arranging income protection.

Latest Income Protection Insurance Articles

Easy Ways To Protect Your Income

published on the 19th June 2015 by Kathryn Knowles

At some point in all of our lives, it’s very likely that we will get ill and need some time off work. It’s just a fact of life and whilst there isn’t a lot we can do to completely prevent it, there are things we can do to make it a little easier on ourselves and our families. The aim is very simple. if we don’t work (for most of us anyway). read more

Income Protection Insurance for the Short and Long Term

published on the 10th March 2015 by Kathryn Knowles

Income Protection Insurance provides a monthly income in the event that you are unable to work due to an accident or significant illness. It is possible to include involuntary redundancy on some policies depending upon the options that you go for. Income Protection Insurance is available in two primary forms: long term and short term Income. read more

Why Choose Cura Financial Services Ltd for Your Income Protection Insurance

The benefits of using Cura Financial Services Ltd are?

  • Free online quotes
  • Easily tailor and filter your quotes to find the best price and product
  • Apply online for your cover once you find your suitable cover
  • Honest friendly advice from our qualified advisors if required
  • We do not charge for arranging or advising on policies.

Cura Financial Services Ltd provides a comprehensive online facility to compare income protection policies from the leading insurance companies. These providers include, but are not limited to, Liverpool Victoria, Aviva, Legal General, Friends Life, Vitaliy Life and Ageas. Our quick and user friendly quote engine allows you to easily change quotes so you can try different benefits, deferment periods, terms, etc.

In addition to being able to quote online you can contact our offices free of charge on 0808 1782 777 to receive honest and high quality advice from our fully qualified, friendly advisors. We do not ‘hard sell’ under any circumstance and are more than happy to email or post any information that you require.

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Income protection insurance quote online

Income protection insurance quote online


Décoration Chambre: Idées de décoration de chambre pour toute la famille (bébé, enfant, ado, parents) – Trucs et Deco, decoration pour une chambre adulte.

#Decoration #pour #une #chambre #adulte


La décoration d’une chambre (adulte, adolescent ou enfant)

Dans cette rubrique, nous vous donnerons tous les conseils pour réaliser une décoration de chambre sympathique et agréable à vivre.

Peu importe qu’il s’agisse d’une chambre d’enfant, d’une chambre d’ado ou d’une chambre d’adulte, les éléments sont les mêmes.

Reste à les personnaliser en fonction des goûts. Vous trouverez notamment dans cette rubrique des informations sur :

– les murs, la façon dont on peut les décorer : papier peint mural, stickers muraux, tags et autres graffitis (pour les graffitis, voir notre article decoration chambre ado ).

– le linge, notamment le linge du lit : housse de couette, drap, coussin brodés, peints, descente de lit. Avec un petit focus sur la decoration de lit .

– les rangements notamment pour une chambre d’enfant ou d’ado : pour le linge, pour jouets, pour l’école, pour travaux manuels, pour correspondances, pour le bureau, le dressing.

– la tête de lit : en papier peint, en peinture, en cuir, en bois, customisée, à tiroir, en tissu, sculptée, en métal, patinée, dentelle

– le ciel de lit (important pour bien s’endormir et faire de beaux rêves) : pour princesse, féérique, baroque, design, exotique

– votre table de chevet : en carton, en bois, intégrés, customisés.

– vos rideaux : la gestion de lumière est un élément important de la déco d’une chambre. Vous avez essayé la lumino-thérapie ?

– la courtepointe : quilté, molletonné, brodé, patchwork, crochet, appliqué, boutis

– les coussins : en plume, en strass, en satin, en velours, en flanelle

– le bac à linges (pas rock’n’roll, mais important) : en bois, en tissu, en corde, en rotin

– le bureau : sous-main, trieur, boite à crayon, classeur

– les bibelots et objets de décoration dédiés à la chambre.

Et nous aborderons également de nombreux thèmes, car la decoration d’une chambre peut permettre la mise en place de nombreuses idées. Par exemple : les 1001 nuits, le style médiéval, le provençal, le design, les froufrous, la décoration zen, l’utilisation de toile de Jouy ou similaire, le style montagnard, la déco japonaise ou manga (pour les ados), la déco coloniale, etc.

La décoration de la maison et notamment de la chambre répond aux mêmes codes que la mode vestimentaires. Les couleurs et les ambiances évoluent tous les ans. Mais rassurez-vous le choix est large, il y a en a pour tous les goûts dans les magasins et magazines de décoration. Nous avons particulièrement apprécié les propositions de déco de chambre faites par Marie Claire Maison et Côté Maison, jamais à court d’idées. En voici quelques exemples :

Tout pour une déco de chambre réussie. N’oubliez pas de conserver une cohérence entre les pièces. Notamment la décoration salon.

Pour décorer votre chambre, n’hésitez pas à visiter notre partenaire Absolument Design : tout pour votre design de chambre. Vous pouvez également visiter les sites de nos partenaires Berceau Magique, qui propose des objets de décoration pour la chambre, ainsi que des cadeaux de naissance et de baptême et Ubaldi avec une rubrique dédiée à la “décoration – chambre”.

Si vous recherchez un Matelas, vous pouvez visiter le site Allo Matelas, qui propose sommiers, ensembles de literie et accessoires.

Consultez éga


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Gebrauchtwagen – Neuwagen kaufen – verkaufen bei Ihrem Automarkt, auto deutschland.

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    Ваши последние действия на сайте:

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  • L’Europa guarda più alla Germania, ma l’Italia rischia, previsioni borsa lunedi.

    #Previsioni #borsa #lunedi


    Previsioni borsa lunedi

    Più la Germania che l’Italia sembrano fino a questo momento interessare agli investitori nel “Super-Sunday” elettorale che ci siamo appena messi alle spalle. Lo dice in fondo l’andamento dei mercati nelle prime ore di questo lunedì: l’euro, dopo essersi avvantaggiato nei confronti del .

    Più la Germania che l’Italia sembrano fino a questo momento interessare agli investitori nel “Super-Sunday” elettorale che ci siamo appena messi alle spalle. Lo dice in fondo l’andamento dei mercati nelle prime ore di questo lunedì: l’euro, dopo essersi avvantaggiato nei confronti del dollaro ieri alla notizia del sostegno fornito dai due terzi del Partito socialdemocratico tedesco (Spd) alla formazione di un governo di coalizione con la Cdu di Angela Merkel, riesce comunque a mantenere le posizioni sopra quota 1,23. Piazza Affari cede invece terreno a differenza del resto dei listini continentali anche se per il momento limita i danni. E mentre lo spoglio del voto italiano continua, si allarga anche di alcuni punti base lo spread BTp-Bund, cioè il vero barometro della tensione sul nostro Paese.

    Difficile sostenere che la prima reazione sia stata sorprendente, vuoi per il maggior peso specifico della Germania e della sua Grosse Koalition nelle sorti del futuro dell’Unione, vuoi per la comprensibile difficoltà degli investitori nel valutare le dinamiche politiche del nostro Paese. Se qualcosa conta per il destino europeo e per il cammino verso la tanto sospirata integrazione sono proprio le trattative per la formazione del Governo tedesco, che ieri hanno ricevuto una spinta indubbia, anche se in fin dei conti attesa, dal via libera Spd.

    Due pesi differenti

    Meno rilevanza, occorre ammetterlo, hanno in tal senso le vicende di casa nostra, che però rischiano di condizionare più di quanto non sia avvenuto fino a questo momento l’atteggiamento degli investitori nei confronti degli asset targati Italia, soprattutto in termini relativi rispetto all’Europa. Sotto questo aspetto la reazione iniziale in Borsa e sui titoli di Stato italiani è indicativa dell’incertezza che ancora regna fra i grandi fondi internazionali.

    Un rischio (forse) sottovalutato

    Finora l’imminenza delle elezioni italiane era passata sostanzialmente sottotraccia: venerdì scorso il rendimento del BTp decennale si era attestato al 2,06% con un differenziale nei confronti del Bund a pari scadenza (il famigerato spread, che resta in ogni caso la misura più fedele della tensione attorno al nostro Paese) di 140 punti base che, se da una parte poteva risultare per certi versi tranquillizzante, dall’altra aveva fatto drizzare le antenne a più di un operatore di mercato, suggerendo una sottovalutazione dei rischi insiti nel voto italiano.

    In sostanza, gli investitori non avevano penalizzato il nostro Paese per una serie di fattori economici (ripresa debole, ma consolidata) e politici (i perduranti acquisti dei titoli da parte della Bce), ma soprattutto nella convinzione che dalle urne potesse uscire un risultato tale da propiziare un Governo di larghe intese in grado di dare almeno in una certa misura continuità al programma di riforme portato avanti fra mille difficoltà dal 2013 in poi. I risultati (tutt’ora parziali) giunti fino a questo momento lasciano nella più completa incertezza circa la possibilità di formare qualsiasi coalizione che possa guidare il Paese, ma segnano l’indubbio successo delle due principali forze di rottura e più critiche verso l’Europa quali 5 Stelle e Lega, cioè una soluzione meno market-friendly.

    La parola agli economisti

    «In assenza di una maggioranza assoluta che emerge dalle urne i partiti hanno la possibilità di negoziare una coalizione, ma si tratta di un processo incerto. L’attività politica proseguirà durante le trattative, ma il rallentamento delle riforme potrebbe rendere l’economia vulnerabile quando il ciclo si invertirà», spiegano Daniele Antonucci e Joao Almeida di Morgan Stanley. «Non ci aspettiamo che una simile coalizione possa consegnare riforme strutturali significative e a seconda della sua composizione vediamo il rischio che le precedenti riforme possano essere cancellate», aggiunge Fabio Fois di Barclays Capital, sottolineando che «nel medio termine siamo dell’avviso che la prossima legislatura sarà caratterizzata da instabilità politica che possa culminare in una crisi di governo o in elezioni anticipate».

    Le ipotesi per lo spread BTp-Bund

    Quanto tutto questo possa pesare su mercati finanziari italiani nel medio termine lo vedremo ovviamente fra qualche settimana. In ogni caso un eventuale governo di centro destra con egemonia lega potrebbe, secondo le previsioni degli analisti di UniCredit, far balzare lo spread BTp-Bund fino a quota 200, che salirebbe probabilmente ancora più in su e oltre i massimi raggiunti lo scorso anno (210 punti) nell’ipotesi di un Governo di coalizione guidato dal movimento 5 Stelle. Quest’ultimo aumenterebbe infatti «le possibilità di uno smantellamento delle riforme strutturali portate avanti fino a questo momento e rappresenterebbe una minaccia a qualsiasi impegno assunto dall’Italia in termini di disciplina fiscale nei confronti dell’Europa».

    Meno traumatico, almeno in teoria, risulterebbe sui mercati il caso di un ritorno alle urne in tempi brevi e (possibilmente) con una nuova legge elettorale in grado di fornire una guida più stabile al Paese. Il prolungamento dell’incertezza potrebbe infatti portare a un esito poco favorevole per i BTp, ma intermedio rispetto alla formazione di un Governo con posizioni critiche nei confronti dell’impianto europeo, con un differenziale nei confronti della Germania in crescita, ma comunque circoscritto fra 175 e 200 punti. In ogni caso, resta il sospetto che gli investitori abbiano sottovalutato il rischio Italia negli ultimi due mesi, e che possano continuare a farlo anche adesso che gli scenari a loro meno favorevoli si sono puntualmente manifestati.


    IMMOBILIARE – S, immobiliare roma.

    #Immobiliare #roma


    Adiacente R. Fucini ampio bilocale

    Montesacro, via L. Bertelli locale C/1 con giardino di 30 mq

    Montesacro, silenzioso quadrilocale con 2 balconi doppia esposizione

    Adiacente R. Fucini ampio bilocale

    Adiacente via Renato Fucini, proponiamo la locazione di un silenzioso e tranquillo appartamento di 80 mq sito al secondo piano e così composto: ingresso, soggiorno, camera, cucina, bagno e balcone. Limmobile viene locato non arredato con contratto 3+2. Cl. En. G. […]

    Montesacro, via L. Bertelli locale C/1 con giardino di 30 mq

    Montesacro, via Luigi Bertelli, a 10 minuti da piazza Sempione, proponiamo locale C/1 di 28 mq con altezza soffitto 3.47 metri. Il locale è composto da unico ambiente con antibagno, bagno, ripostiglio e giardino pavimentato di 30 mq. Limmobile si […]

    Montesacro, silenzioso quadrilocale con 2 balconi doppia esposizione

    Montesacro, ad. via J. Sannazzaro, a pochi passi da piazza Sempione, allinterno di uno stabile di 5 piani, proponiamo silenzioso appartamento di 102 mq composto da: ingresso, soggiorno, due camere, studiolo, cucina, doppi servizi e due balconi. Limmobile si trova in […]

    Talenti, via Nomentana, in contesto signorile ufficio di 80 mq con ampio terrazzo

    Talenti, via Nomentana (angolo via A. Graf), zona ottimamente collegata, in complesso signorile con servizio di portineria, allinterno di uno stabile in cortina proponiamo silenzioso appartamento ad uso ufficio (accatastato A/10) composto da: ingresso, tre camere, bagno, ripostiglio e terrazzo […]

    Talenti, 3°piano ampia metratura con terrazzo e posto auto coperto

    Talenti, nel cuore del quartiere, alle spalle di via U. Ojetti, in zona ben collegata e servita da numerosi negozi, allinterno di uno stabile di 4 piani proponiamo luminoso 165 mq con doppio ingresso sito al 3°piano e composto da: […]

    Cittaducale, via Nazionale appartamento bilivelli

    OTTIMO INVESTIMENTO Cittaducale (Rieti), via Nazionale, proponiamo appartamento bilivelli così suddiviso: 1°piano: ingresso, bagno e scala dalla quale si accede al 2°piano composto da: soggiorno con camino e due camere. No spese di condominio. Cl. En. G. IPE:> 175kWh/mq.

    Casalbertone, silenzioso 40 mq arredato con balcone

    Casalbertone, vicinanze stazione Tiburtina e Università La Sapienza, a 30 metri dal Centro Commerciale Auchan, in via C. Ricotti disponiamo di un luminoso e silenzioso appartamento composto da: ingresso, ampia camera, cucina, bagno e balcone. Limmobile si presenta in buone […]

    Talenti, 2°piano bilocale 65 mq con balcone

    Talenti, ad. via F. dOvidio, a 600 metri dal capolinea di Largo Pugliese, zona ben collegata e servita da numerosi negozi, proponiamo silenzioso appartamento di 65 mq sito al 2° piano e composto da: ingresso, soggiorno, camera da letto, cucina, […]

    Silvi Marina, box auto 32 mq nel complesso residenziale Il Gioiello&

    Silvi Marina, Via Roma/Vicolo del Mulino, allinterno del complesso residenziale Il Gioiello& in autorimessa con cancello elettrico proponiamo la vendita di un box auto di 32 mq. Adatto anche ad uso deposito. OTTIMO INVESTIMENTO. Cl. En. Esente

    ULTIMA DISPONIBILITA via Monte Cervialto box auto di 16 mq

    Nuovo Salario, via Monte Cervialto, a pochi metri dalla metro B fermata Jonio, in autorimessa con cancello elettrico ULTIMA DISPONIBILITA box auto di 16 mq ad euro 16.000,00. Adatto anche ad uso deposito. Disponibilità immediata. OTTIMO INVESTIMENTO. Cl. En. Esente.


    Medical Billing Course Online Certification, medical billing courses nyc.

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    medical billing courses nyc

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    “Amazing! Absolutely Amazing! You have given me the guidance and instruction I need to go further. Thank you so much for providing this confidence! Your medical billing course is fantastic!”

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    I enjoyed taking the medical billing course. The step-by-step process helps you gain knowledge and then apply what you have learned in a practical way. The ‘Platform Opinions’ give insight into what is and what is not important and helps dispel the mystery.

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    The Highest Recognition in Medical Billing Education & Certification Since 1999

    Certified Medical Billing Professional (CMBP)

    Why earn your Nationally Recognized CMBP (Certified Medical Billing Professional) designation?

    The Healthcare Industry is Recession Proof and is the fastest growing industry today and will continue to be the fastest growing industry for years to come. Certified Medical Billers are in high demand and they are paid very well.

    Your Medical Billing Certificate comes from us. Upon completion of our Medical Billing Course Program, we promptly mail you with your Certificate and CMBP Designation at no additional fee.

    We remain the only course available today who provides its students with a live, fully functional, Medical Billing Software Program. This allows you to perform the actual duties of a Medical Billing Professional.

    You will be Entering Physician Data, Patient Data, Populating CPT ICD9/ICD10 Codes, Entering Charges and Payments, Generating Reports and Printing CMS 1500 Insurance Claim Forms.

    Our students are successful in this field because they actually apply what they learn, allowing them to fully understand and retain the material. This method of training gives the student the confidence they need to move forward in their career or business.

    Our Medical Billing Course Programs are Self Paced. There are no time restrictions or limitations. Study when you have time. Complete your exams when you are ready to do so.

    Your examinations are graded by your assigned, Certified Personal Instructor, who has the ability to expand on corrections to your exam because they have real-life experience, as well as certification in medical billing. We do not use automated running exams.

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    Course Completion Time. On average, our students complete their medical billing course and receive their certification in approximately 4-6 weeks.

    Job Placement. We have hundreds of Physicians, Hospitals and Billing Centers across the nation who come to us looking for graduates. All you have to do is give permission to share your contact information with them, upon graduation. They are not looking for “2 years experience”. They are looking for graduates who do not come with “bad habits” picked up working in the field. They would rather train someone who has been educated and certified in medical billing.

    Transparency. Contact as many of our recent graduates as you wish and ask about their course experience. Click Here to Download the List. You can also see our Facebook reviews by clicking here.

    Trust. Founded in 1999, our Medical Billing Certification Course Programs went online in 2001. We were the very first Medical Billing Certification Program available and the only one available online from 2001 – 2012.

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    Life Insurance Rates: Compare Life Insurance Quotes, senior term life insurance rates.

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    Life Insurance Rates

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    Whole Life Insurance

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    • Fixed premiums that offer stability
    • Tax-deferred cash value that will grow
    • Guaranteed death benefit payout
    • Ability to borrow against cash value
    • Coverage for your entire life if kept current

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    • Least expensive form of life insurance
    • Easy to understand and manage policy
    • Complete coverage at a great low rate
    • Guaranteed death benefit for current plans
    • Flexible term lengths

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    • “The Flexible Payment Option”
    • Adjustable premiums for maximum flexibility
    • Guaranteed interest rate
    • Annually adjustable death benefit
    • Guaranteed monthly income option for beneficiaries
    • Policy can be maintained indefinitely

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    • “Protects Your Legacy”
    • Covers two people, commonly spouses
    • Control over estate and legacy
    • Beneficiaries receive full amount of policy tax-free
    • Also known as second to die life insurance or joint insurance
    • Intended for wealth preservation

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    Votre cuisine йquipйe en Belgique – les Cuisines а Vivre, cuisine équipée en bois.

    #Cuisine #équipée #en #bois


    Votre cuisiniste en Belgique

    Pour la famille O, le métier et la passion de la cuisine équipée ont commencé il y a plus de 42 ans avec l’ouverture de leur premier magasin Style et Cuisine en 1973 à Gaurain-Ramecroix près de Tournai.

    Aujourd’hui, vous pouvez choisir votre cuisine équipée dans nos 3 showrooms à Mons, Gosselies et Tournai dans la province du Hainaut.

    Pour composer votre cuisine, vous pourrez la choisir parmi des gammes de cuisines de qualité, ( Chabert Duval , SieMatic , Schröder , Brigitte , Arredo3 ) , et du style qui convient le mieux à votre intérieur et à votre mode de vie: design, moderne, contemporain, cottage, classique, provençal ou rustique.

    Des électroménagers haut de gamme et des plus grandes marques vont seront proposés pour équiper votre cuisine.

    Pour que votre rêve de cuisine devienne enfin réalité, toute une équipe composée d’architectes d’intérieur, de techniciens et de professionnels de la cuisine est à votre service dans nos 3 showrooms en Belgique.

    En plus de votre cuisine, découvrez aussi dans nos magasins une large gamme de dressings et de placards pour vos rangements.

    Chacun de vos projets d’aménagement de cuisine ou de rangements sera étudié avec soin et dans les moindres détails afin de répondre au mieux à vos besoins, à vos attentes et à votre budget et sera réalisé sur mesure.

    Actualitйs

    LES CUISINES A VIVRE – SIEMATIC

    Rue Pont-à-Migneloux, 37

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    Fax : +32(0)71 85 49 24

    LES CUISINES A VIVRE

    Avenue de Jemappes, 165

    Fax : +32(0)65 87 22 41

    STYLE ET CUISINE


    Texas Car Insurance – Quotes, Coverage – Requirements, texas automobile insurance plan.

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    Car Insurance in Texas

    Did you know that in Texas you could get a discount on your car insurance just for taking a drug and alcohol awareness course? Learn more about Texas auto insurance laws, rates, and programs.

    If you choose to buy liability insurance to comply with the law, your policy must have the following minimum limits:

    • $30,000 for each injured person.
    • $60,000 for injuries per incident.
    • $25,000 for property damage.

    Other Car Insurance

    Texas only requires you to have liability insurance, but there are other optional types of car insurance coverage available to help protect you financially, which include:

    • Collision – This coverage will help cover damages to your vehicle due to accidents with other cars.
    • Comprehensive – This coverage will help with damages to your car due to incidents not involving car collisions. For example, if hail dents your car, you may be covered through comprehensive coverage.
    • Uninsured/Underinsured drivers – The Texas Department of Motor Vehicles (TxDMV) states that about 20% of current drivers in TX are uninsured. This coverage can help protect you from damages caused by these drivers.
    • Towing and labor.

    NOTE: If your car is being financed, your lending or leasing company will require you to carry both collision and comprehensive coverage for your car.

    Car Insurance Alternatives

    Buying liability insurance is the most common way to cover your financial responsibility, but you do have other options:

    • A surety bond from two individual sureties that own property in Texas, with the same coverage limitations as liability insurance.
    • $55,000 cash or securities deposit with the state Comptroller.
    • $55,000 cash or cashier’s check deposit with the county judge of the county in which the car is registered.
    • Certificate of self-insurance – You must own a fleet of more than 25 cars to qualify for a certificate of self-insurance.

    Proof of Insurance in Texas

    Your car insurance company will give you an insurance card to use as your proof of car insurance. You must show a proof of insurance when you:

    • Are asked for it by a police officer.
    • Get into a car accident.
    • Register or renew your car’s registration.
    • Apply or renew your driver’s license.
    • Have your car inspected.

    You should get a new car insurance card from your insurance carrier every time you renew your auto insurance. Most insurance companies offer a minimum term of 6 months on a policy.

    TexasSure

    TexasSure is a program that helps various Texas government agencies electronically verify that you have car insurance.

    Among the agencies that use TexasSure are:

    • The Texas Department of Public Safety.
    • Sherriff and police departments.
    • Vehicle registration offices.

    If there are issues with your Texas car insurance information, you may receive one of the following notices:

    • Unmatched notices – According to the Texas Department of Insurance (TDI), less than 1% of insured driver’s cannot be matched with their registered car in the TexasSure system. You will receive this notice if you are on record as having car insurance but the insurance does not match with your car.
    • Uninsured Notices – You will receive this notice if you have a registered vehicle with no record of car insurance for that car.

    Violation Fines and Penalties

    Violating Texas car insurance laws can bring harsh consequences, including the following fines and penalties:

    • For your first conviction:
      • $175 – $350 in fines.
    • For additional convictions:
      • $350 – $1,000 in fines.
      • Possible suspension of your driver’s license.
      • Possible impoundment of your car.

    Texas Automobile Insurance Plan Association

    Drivers with poor driving records may have a hard time finding car insurance. If 2 insurance companies have refused to insure you, you can buy your car insurance through the Texas Automobile Insurance Plan Association (TAIPA).

    To be eligible for the TAIPA program, you must:

    • Have a valid driver’s license or be applying for one.
    • Live in Texas or have a car registered in Texas.
    • Certify that 2 insurance companies have turned you down within the last 60 days. You do not have to have proof of refusal to insure, but you will need to sign an affidavit stating that 2 insurance companies have rejected your application of insurance.

    TAIPA Coverage

    Through TAIPA, you will be covered for the minimum required liability coverage PLUS:

    • $2,500 Personal Injury Protection.
    • Uninsured/Underinsured Motorists Coverage of:
      • $30,000 personal injury.
      • $60,000 injuries per incident.
      • $25,000 property damage.

    Payments

    TAIPA only allows you to purchase annual policies, but you do have various options for payment, which include:

    • Paying your full annual premium up-front.
    • 8 Installment payments – You will need to pay a down payment of whichever is greater: 20% of your premium or $40.

    Leaving TAIPA

    If you have been issued car insurance through TAIPA and have gone 3 years without a car accident or traffic ticket, your insurance carrier must take you out of the TAIPA program and offer you standard car insurance at a lower rate.

    Help With Your Car Insurance Complaints

    The Texas Department of Insurance (TDI) offers assistance for complaints you might have with insurance companies, including your car insurance carrier.

    The most common complaints TDI helps resolve involve:

    • Claim and benefit disputes.
    • False advertising.
    • Misrepresentation.
    • Suspected insurance fraud.

    TDI cannot assist you with the following:

    • Determining who was at fault in a car accident.
    • Resolving disputes between you and your insurance carrier when your word is your only evidence.
    • Forcing insurance companies to pay a disputed claim or make a policy exception when no insurance laws were broken.
    • Giving legal advice.

    To learn more about how you can get assistance with your car insurance complaints, visit the TDI website.

    Driving While Intoxicated (DWI)

    The Texas Department of Transportation estimates that someone is hurt or killed in an alcohol-related accident every 20 minutes. Drinking and driving can be costly, not only to your safety but to your wallet. DWI convictions can increase your car insurance rates. The best way to avoid this is not to drink and drive.

    To learn more about Texas’ DWI laws visit our DUI DWI in Texas page.

    Drug and Alcohol Driving Awareness Discount

    To help promote safe driving, Texas car insurance companies are required to offer you a 5% discount off your car insurance premium for voluntarily taking a Texas Education Agency (TEA)-approved drug and alcohol awareness course.

    You are not eligible for this discount if you have been convicted of a drug- or alcohol-related charge in the past 7 years. You are eligible for the discount after 7 years has passed since your conviction.

    Staying safe can not only keep your car insurance premiums from rising; it can help you find affordable insurance from the start. Get a quote on car insurance today and see how much you can save.

    Most Stolen Cars in Texas

    If your car is highly targeted for theft, you may have to pay a little more for car insurance.

    The following is a list of the most stolen cars in Texas for 2013, according to www.nicb.org:

    1. Ford Pickup (Full Size).
    2. Chevrolet Pickup (Full Size).
    3. Dodge Pickup (Full Size).
    4. Honda Accord.
    5. Honda Civic.
    6. GMC Pickup (Full Size).
    7. Chevrolet Tahoe.
    8. Toyota Camry.
    9. Chevrolet Impala.
    10. Ford Explorer.

    DMV.org Insurance Finder

    Join 1,972,984 Americans who searched DMV.org for car insurance rates:

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    Trouver un avocat gratuit, avocat en ligne gratuit.

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    Trouver un avocat gratuit

    Trouver un avocat gratuit n’est plus mission impossible, de nombreux organismes proposant aujourd’hui des conseils juridiques gratuits.

    Il nous est tous arrivé de faire face à une situation juridique complexe nécessitant l’assistance d’un professionnel pour se protéger, pour se défendre ou simplement pour faire valoir ses droits. Malheureusement, tout le monde ne peut pas bénéficier de l’aide juridictionnelle et encore moins souscrire une assurance de protection juridique.

    De nombreuses astuces permettent pourtant de bénéficier d’un avocat gratuit.

    Trouver un avocat gratuit sur internet

    Il existe de nombreux sites sur internet vous proposant d’obtenir un conseil juridique de la part d’un avocat gratuit. Malheureusement, ce qui est gratuit, c’est seulement la mise en contact.

    Pour obtenir une réponse, vous devrez soit effectuer un paiement en ligne préalable (entre 50 et 250 € la consultation), soit appeler l’avocat gratuit via un numéro surtaxé (de 3 à 5 € par minute). Ce qui au final ne vous fait pas faire d’économies.

    Une autre solution consiste à soumettre votre problème sur un forum juridique et à espérer qu’une personne qualifiée réponde à votre question.

    Trouver un avocat gratuit grâce à son assurance de protection juridique

    Certains contrats d’assurance permettent d’obtenir sans frais supplémentaires l’assistance d’un avocat gratuit. Généralement, le conseil juridique gratuit est donné par téléphone et peut aller jusqu’à la mise en oeuvre d’une démarche amiable ou judiciaire.

    En fonction du problème auquel vous êtes confronté, l’avocat gratuit va vous aide à choisir la solution la plus adaptée :

    • De simples conseils juridiques gratuits. Dans un premier temps, l’avocat gratuit va simplement vous expliquer si vous êtes ou non dans votre droit et si une procédure judiciaire est nécessaire pour régler votre litige.
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    Attention, relisez bien le détail des garanties de votre contrat d’assurance car il est possible que celle-ci ne soit utilisable que dans certaines situations juridiques. Le plus souvent la protection juridique ne met à votre disposition un avocat gratuit que lorsque les litiges sont d’un montant supérieur à 150 € et relatifs à :

    • la consommation : vous avez commandé un ordinateur sur internet qui ne vous a toujours pas été livré, le vendeur refuse de vous rembourser un produit arrivé en mauvais état. Un avocat gratuit va vous conseiller sur la démarche à suivre ;
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    Trouver un avocat gratuit dans les associations de consommateurs et syndicats

    Il existe des associations de consommateurs assez efficaces qui oeuvrent depuis des années dans la défense juridique de leurs adhérents. La plupart du temps, seuls les litiges relatifs au droit de la consommation sont concernés et vous devrez effectuer une adhésion préalable de 30 à 50 € avant de savoir si l’avocat gratuit de l’association sera en mesure de vous apporter son aide. Car si votre litige apparaît trop complexe, l’avocat gratuit vous conseillera simplement de contacter un avocat extérieur.

    L’avocat gratuit de l’association de consommateur ne vous fournit pas que du conseil juridique gratuit mais peut aussi vous représenter gratuitement en justice et défendre votre cas jusqu’à la résolution complète de votre affaire. Vous pourrez également engager une action groupée avec les adhérents victimes de la même entreprise, ce qui vous permet de multiplier vos chances de succès.

    De nombreux syndicats proposent aussi des avocats gratuits à leurs adhérents. Le plus souvent spécialisé en droit du travail, l’avocat gratuit fourni par le syndicat vous prodigue des conseils juridiques et vous aide à faire valoir vos droits amiablement, sans recourir à l’action en justice. Mais, si nécessaire, le service juridique du syndicat mettra à votre disposition un avocat gratuit chargé de mettre en oeuvre une action judiciaire et de vous représenter devant les tribunaux.

    Trouver un avocat gratuit dans les permanences juridiques

    La plupart des grandes villes disposent de permanences juridiques dans lesquelles vous pouvez obtenir une consultation juridique par un avocat gratuit. La plupart du temps, seuls les litiges relatifs à la vie quotidienne sont concernés. Certaines permanence fonctionnent en continue tandis que d’autres ne peuvent vous accueillir que certains jours de la semaine, voire uniquement à certaines périodes de l’années. Il est souvent nécessaire de prendre rendez-vous.

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    Attention, l’avocat gratuit pourra simplement vous prodiguer des conseils juridiques gratuits. Il ne pourra pas engager une action judiciaire à votre place ou vous représenter devant les tribunaux.

    Trouver un avocat gratuit grâce à l’aide juridictionnelle

    Si vous disposez de très faibles revenus, l’aide juridictionnelle vous permet d’obtenir la dispense, en totalité ou en partie, des honoraires et frais de justice. Un avocat vous prodigue alors des conseils et vous assiste gratuitement.

    L’aide juridictionnelle vise les frais afférents aux instances, procédures et actes (frais d’expertise, d’enquête sociale, droit d’enregistrement, etc.).


    ATTORNEY FEES, OWCP – OPM Attorney – Federal Employees – Workers Compensation Lawyer – Our Firm, workers compensation attorney fees.

    #Workers #compensation #attorney #fees


    Workers compensation attorney fees

    Federal Employees Compensation Act Before the

    • Office of Workers’ Compensation Programs
    • Employees’ Compensation Appeals Board
    • Branch of Hearings & Review
    • Colorado Attorney Registration #22757

    • Workers compensation attorney fees
    • Workers compensation attorney fees

    Distress

  • Returning To

    • Medical

    ATTORNEY FEES

    Attorneys in these systems work on hourly-rate retainer agreements. Specifically, in the OWCP system, contingency / percentage retainer fees are forbidden. The ECAB has ruled that only fees based on an hourly rate agreement will be approved in accordance with 5 U.S.C. §8127, and OWCP has stated that it will conform its fee approval standards to that of the ECAB. Consequently if an attorney offers you a contingency or percentage retainer agreement, that attorney is not complying with the law regarding representative fees and fee approvals.

    Under an hourly fee retainer agreement, you will need to pay the attorney for all time spent on your claim. This includes time spent reviewing your file, speaking with you and other people related to your claim, placing written notes into your file, drafting documents or narratives, performing research, assisting doctors with their reports, interviewing witnesses to your injury event or the wrongdoing of your employing agency among other things.

    You will also be required to pay “expenses” which may include payments for a specialist medical report, travel expenses if your representative or doctors need to travel to attend a hearing, copy charges, mailing costs, or other costs that may arise in the course of representation.

    Generally you will need to place a sum of money with your attorney as a guarantee against future work. The amount of the retainer varies from attorney to attorney depending on his or her hourly rate coupled with their assessment of your case. The attorney will place that money into a client trust account as required by his or her State Supreme Court, or Bar Association, depending on the rules or laws of the state where your attorney is licensed.

    I do not know how non-attorney representatives handle retainer fees, or who, from a regulatory perspective, oversees their handling of client funds.

    When the OWCP issues a fee approval in your case, the attorney can then take the money from the client trust account and get paid. Attorneys may apply for multiple fee approvals, often on a monthly basis, as you case progresses. The attorney can take funds from the client trust account to pay for expenses as they come due.


  • Ber mich, anrede rechtsanwalt.

    #Anrede #rechtsanwalt


    Über mich

    Diese Internetseite ist sprichwörtlich aus einer Schnapsidee entstanden. Recht alkoholisiert habe ich mir vor etlichen Jahren die Domain „datenschutz-guru.de“ reserviert. Eigentlich mehr als „Witz“. Welcher Name für einer Internetseite könnte bescheuerter sein, um dort als Anwalt Beiträge zum Thema Datenschutz zu veröffentlichen…ich war und bin kein Datenschutz-Guru. Sicher kenne ich mich wohl recht gut aus in der Thematik. Sich aber selbst als „Guru“ zu bezeichnen? Ist eigentlich nicht so mein Ding.

    Irgendwann habe ich dann aber doch angefangen, Inhalte auf der Seite einzustellen. Und siehe da…die Besucher kamen und kamen. Es wurden mit der Zeit recht viele. Und obwohl ich mehrfach ernsthaft überlegt habe, den Namen für die Seite zu wechseln, war irgendwann klar: Es ist zu spät. Die Seite war zu erfolgreich. Die Newsletter-Abonnenten wurden immer mehr, und ein Wechsel nicht mehr wirklich sinnvoll. Also „lebe“ ich jetzt mit dem Namen der Seite. Und muss jedesmal ein bisschen in mich hineinschmunzeln, wenn eine E-Mail reinflattert, die mit der Anrede „Sehr geehrter Datenschutz-Guru“ beginnt. Dabei ist mir ein „Hallo Stephan“ sehr viel lieber.

    Wer bist du und was machst du?

    Mein Name ist Stephan Hansen-Oest.

    Ich bin Rechtsanwalt und Fachanwalt für IT-Recht in Flensburg. Ich berate bundesweit Unternehmen (und auch öffentliche Stellen) bei der Implementierung und Umsetzung von Datenschutz im Unternehmen bzw. in Konzernstrukturen. Mein besonderer Schwerpunkt liegt dabei auch im Coaching von Datenschutzbeauftragten und Datenschutzberatern.

    Anrede rechtsanwalt

    Ich bin seit 2002 als beim Unabhängigen Landeszentrum für Datenschutz Schleswig-Holstein anerkannter Sachverständiger für IT-Produkte (rechtlich) akkreditiert. In den Zusammenhang begutachte ich IT-Produkte oder IT-Verfahren (-Services) im Hinblick auf die Einhaltung datenschutzrechtlicher Vorschriften.

    Seit Februar 2008 bin ich zudem rechtlicher Sachverständiger für das European Privacy Seal („EuroPriSe“). Ähnlich wie beim vorgenannten Siegel bin ich als EuroPriSe LEGAL Expert mit der Begutachtung von IT-Produkten oder IT-Verfahren im Hinblick auf die Einhaltung europarechtlicher Vorgaben zum Datenschutz bzw. deren Umsetzungen in den EU-Mitgliedsstaaten befasst.

    Seit Juni 2015 bin ich zudem als anerkannter Sachverständiger für das Gütesiegel Datenschutz Mecklenburg-Vorpommern (rechtlich) akkreditiert.

    Ich war externer Datenschutzbeauftragter bei einer ganzen Reihe von Unternehmen und berate mittlerweile interne und externe Datenschutzbeauftragte in Unternehmen und bei öffentlichen Stellen bei der Erfüllung ihrer Aufgaben insbesondere bei komplexeren Fragestellungen.

    Viele Unternehmen kommen zu mir, weil sie ein neues Produkt, einen neuen Service oder ein neues Konzept in oder für ihr Unternehmen umsetzen wollen. Seit Mitte 2017 erstelle ich vor allem auch Datenschutz-Folgeabschätzungen für Unternehmen.

    Sie sind sich häufig nicht sicher, ob das Geplante datenschutzkonform ist. Ein großer Teil meiner Arbeit besteht in der Beratung dieser Unternehmen über die rechtlichen Grenzen und Möglichkeiten, insbesondere aber auch in der Abgabe einer rechtlichen Risikobewertung für die fachlich verantwortliche Abteilung und/oder die Unternehmensleitung.

    Kontakt zu mir

    Wer Kontakt zu mir aufnehmen möchte, kann dies gerne über die auf der Kontaktseite angegebenen Möglichkeiten tun. Alternativ kann die Kontaktaufnahme natürlich auch über mein XING-Profil erfolgen.

    Ich stehe für einen lockeren, aber auch verbindlichen Kommunikationsstil. Ich bin mehr für „Du“, weniger für „Sie“. Ich bin mehr für offene und klare Worte, weniger für verschachtelte Befindlichkeiten. Ich bin außerdem mehr für E-Mail und weniger für Telefon. Wenn ich ständig ans Telefon gehen würde, wenn es klingelt, käme ich zu gar nichts mehr. Also gehe ich in der Regel nur ans Telefon, wenn wir vorher einen Telefontermin vereinbart haben.

    Meine Kanzlei meine Berufsphilosophie

    Seit ich Anwalt bin, bin ich selbstständig. Erst habe ich jedoch in einer „normalen“ Kanzlei mit mehreren anderen Anwälten zusammen gearbeitet. Ich hatte zwar damals schon eine Spezialisierung für das Datenschutzrecht, habe aber auch quasi „Feld Wald Wiese“ beraten. Strafrecht, Arbeitsrecht, Sozialrecht, Verkehrsrecht. Es gibt kaum etwas, was ich nicht gemacht habe. Und irgendwann war es mir dann zu viel. Meine Kollegen und alle Mitarbeiter von damals habe ich sehr gemocht. Aber die Arbeit – die typische Anwaltstätigkeit –, die habe ich nicht mehr gemocht. Ich fühlte mich z.T. wie in einem Hamsterrad. Fristen, viel Arbeit und in vielen Mandaten nicht viel Ertrag. Ein Teufelskreis.

    Ende 2007 bin ich dann raus aus dem Hamsterrad. In der festen Überzeugung als „Einzelanwalt“ mein Glück zu versuchen. Und es hat geklappt. Ich freue mich wirklich jeden Tag darüber, denn seitdem liebe ich meinen Job. Es ist weniger Beruf, sondern Berufung. Mittlerweile kann ich mir den Luxus erlauben, Mandate einfach abzulehnen, wenn ich entweder keine Lust habe, oder einfach meine, dass eine andere Anwältin oder ein anderer Anwalt den Job einfach besser machen kann. Oder: Einfach machen kann, weil ich keine Zeit habe.

    Ich bin ein kleiner „Geek“. Zu C64-Zeiten habe ich in Assembler programmiert. Von dem Wissen ist heute nichts mehr übrig. Ich war damals Mitglied einer kleinen Cracker-Gruppe. Vielleicht einer der Gründe, warum ich mich heute mit Datenschutzrecht beschäftige.

    Ich arbeite als Einzelanwalt in reinster Form. Keine Anwaltskollegen, nicht einmal Angestellte. Ab und an hole ich mir Hilfe hinzu und arbeite gerne mit einem Informatiker zusammen. Aber in aller Regel liebe ich es, alleine zu arbeiten. Nach jahrelangen Überlegen und Hadern, ob ich nicht doch die Kanzlei vergrößere und den Anwälte hinzunehme, habe ich Ende 2015 die Entscheidung getroffen, dass ich Einzelanwalt bleibe. Aus Überzeugung. Weil es das Beste für meine Mandanten und für mich ist. Es passt am besten zu meinem derzeitigen Lebensstil, meinen Überzeugungen und vor allem meinen persönlichen Anforderungen.

    Preise

    Ich verkaufe grundsätzlich nicht meine Zeit. Das heißt, dass ich – bis auf wenige Ausnahmen – nicht auf Basis von Stundensätzen arbeite. Und das bedeutet auch, dass ich bei mir immer fest kalkulierbare Pauschalvergütungen gibt. Das können monatliche Pauschalen sein oder auf eine Vergütung auf Basis eines Einzelprojekts. Fragen zu Preisen kosten bei mir selbstverständlich nichts.

    Etwas mehr zu meinen Preisen und Preisansätzen findest Du hier:


    Maestrías en finanzas, maestrías en finanzas.

    #Maestrías #en #finanzas


    Beca DESAFIOS

    Maestrías en finanzas

    Maestrías en finanzas

    DESAFIOS se dedica desde hace 13 años a impulsar a los profesionistas de toda América Latina que tengan como meta el cursar posgrados y maestrías en el extranjero,en Europa, Canadá, Asia y Estados Unidos.

    Realizando convenios con mas de sesenta programas a escoger de maestrías y de pre-grado. En gran variedad de áreas de estudio y en varias ciudades del mundo, siempre con programas de gran ranking y que son lideres en su área.

    En esta nuestra pagina web encuentras todos los detalles sobre como postular y las características de cada programa de las maestrías participantes.

    Para cumplir en consecuencia los objetivos de nuestra organización, y llevar a cabo el apoyo integral a la generación de estudiantes a tener un desarrollo continuo de forma sustentable, invitamos a todos los profesionistas con interés en estudiar maestrías,que cuenten con una visión intercultural a conocer nuestras funciones principales:

    Maestrías en finanzas

    1. Un apoyo totalmente gratuito para la postulación a las maestrías y/o posgrados

    BECADESAFIOS ofrece esta asesoría sin costo alguno a todos los candidatos provenientes de América Latina para así poder acceder a maestrías y postgrados en el extranjero. El apoyo consiste:

    Asesoría para escoger el master o maestrías perfectos al perfil, necesidades y ambiciones del participante

    2. Maestrías : Convocatoria de Beca DESAFIOS

    DESAFIOS maneja becas parciales académicas para maestrías como postgrados, esto quiere decir que se cubre un porcentaje de colegiatura-matricula o el arancel educativo.

    Las postulaciones recibidas para las maestrías para la convocatoria 2018, nuestro apoyo oscila entre un 5% y hasta un 35% para maestrías iniciando clases entre enero del 2017 y marzo del 2018.

    La recepción de documentación corresponde con las fechas limite de recepción de formatos de cada universidad, de acuerdo al intake que se elegirá.

    En la sección de Posgrados participantes podrás conocer el detalle de cada una de nuestras maestrías seleccionadas.

    El compromiso que nuestros becarios conllevan es la de ser siempre representantes dignos de su cultura y su nacionalidad al igual que demostrar ser estudiante responsable durante el tiempo que dure sus estudios de maestrías en el extranjero.

    Maestrías en finanzas

    Hoy mas que nunca el tener una formación multicultural es un requisito para con ello cumplir metas personales, y es gracias al estudio de diversas maestrías que creamos nuestra propia historia de éxito.


    Clases Particulares, Clases de Apoyo, Profesores Particulares, dibujo y diseño.

    #Dibujo #y #diseño


    Clases particulares y profesores a domicilio

    Llámanos al 900 373 511 / 915 917 590 / 960 96 21 65 , o rellena el formulario de contacto. Uno de nuestros asesores pedagógicos contactará contigo a la mayor brevedad para informarte con detalle de nuestros servicios..

    Idiomas

    Clases de refuerzo universitario

    • Dibujo y diseño

    Dibujo y diseño

  • Dibujo y diseño

    Dibujo y diseño

  • Dibujo y diseño

    Dibujo y diseño

  • Dibujo y diseño

    Dibujo y diseño

  • Dibujo y diseño

    Dibujo y diseño

    Sobre Nosotros

    Creemos en la educación como una vía fundamental para el crecimiento personal y el desarrollo de cualquier persona dentro de la sociedad.

    Creemos que nuestro trabajo consiste en desarrollar al máximo las capacidades naturales de nuestros alumnos, brindándoles al mismo tiempo las herramientas necesarias para su éxito académico

    Últimos articulos

    Contacto

    Central: Vallehermoso 56 28015 Madrid

    Telf.: 900 373 511 / 91 591 75 90

    Valencia: San Vicente 85 46007 Valencia

    Telf.: 960 96 21 65

    Dibujo y diseño


  • TV RTS 1 uzivo na internetu, tv farma uzivo.

    #Tv #farma #uzivo


    Tv farma uzivo

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    Uzivo RTS 1 tv besplatno gledanje na internetu

    Tv farma uzivoTv farma uzivo Tv farma uzivo Tv farma uzivo

    Popularno

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    Marketing

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    Radio UZIVO

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    Filmovi

    Tv farma uzivo

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    Serije

    Tv farma uzivo

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    "Ubice mog oca 2" ponedeljkom na novom Top kanalu

    Tv farma uzivo

    Reality online 24/7

    Tv farma uzivo

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    Najgledaniji filmovi 2017

    Preporučujemo film

    Sportski TV Kanali

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    Domaći filmovi 2015

    Domaći filmovi 2016

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    Serije uživo >>>

    Domaći filmovi 2018

    Uživo Televizija je pretraživač multimedijalnih sadržaja na internetu. Svi TV kanali se strimuju sa domaćih i inostranih servera i oni su odgovorni za kompletan sadržaj. Na kanalima na našem sajtu se ne ne nalazi sadržaj TV kanala, već samo linkovi ka tim kanalima. Za sve informacije kontaktirajte nas na [email protected]

    DISCLAIMER : None of the videos are hosted by this site. Streams hosted from sites like veetle, Mips, Veemi are embedded here. This site is not responsible for the legality of the content. For legal issues, please contact appropriate media file owners/hosters. For any website related question, contact [email protected]


    Variable end – gena, diseño grafico antiguo.

    #Diseño #grafico #antiguo


    Variable endógena

    Se llama variable endógena a aquella variable (dependiente o independiente) generada dentro de un modelo y, por lo tanto, cuyo valor se determina por alguna de sus relaciones.

    Diseño grafico antiguo

    Por ejemplo, el gasto en consumo se considera una variable endógena a un modelo de determinación de la renta ya que este depende de otras variables, que si se considerarían exógenas (como el sueldo). Este término se contrapone al de variable exógena.

    Traducciуn al inglйs de Variable endógena: Endogenous variable

    Traducciуn al francйs de Variable endógena: variable endogиne

    Traducciуn al alemбn de Variable endógena: Endogene variable

    Siguientes definiciones

    Variable exógena. Podemos definir como variable exogena como aquella que se va autilizar para predecir o calcular otra variable y que es a. Variable independiente. Una variable independiente es aquella que influye en otra variable que estamos estudiando. Variación del precio de las Acciones. Movimientos de los precios de las acciones. Vender Accciones. Vender la propiedad de acciones, y por tanto la propiedad de una empresa. Venta en corto. Venda de acciones obtenidas a prestamo, por lo que se obtendra beneficio si su precio baja. Ventaja Competitiva. La superioridad adquirida por una organizacion cuando se puede proporcionar el mismo valor que sus competidores, pero a .

    Ъltimas incorporaciones

    Subasta. Proceso de fijacion del precio de venta mediante ofertas de los potenciales adquirentes. Alpha. Termino empleado para referirse a la parte de la rentabilidad que se obtiene de una cartera de inversion por la selecci. Trueque. Intercambio de bienes y servicios sin que la contraprestacion sea dinero sino otros bienes. Payback. Tiempo que se tarda en recuperar una inversion con las ganancias futuras sin tener en cuanta el valor temporal del diner. Globalización. Tendencia actual por la que las empresas van desarrollando su actividad hacia un entorno mayor al que lo hacian antes, c. Depreciación. Perdida de valor periodica por el uso y el paso del tiempo de los activos de una empresa.

    Diseño grafico antiguo


    Sitting Bulls, europacup basket.

    #Europacup #basket


    Sitting Bulls

    Europacup basket

    Frohe Weihnachten

    Europacup basket Europacup basket Europacup basket

    Die Sitting Bulls möchten sich bei ihren Sponsoren, Partnern und Fans für die Unterstützung im ablaufenden Jahr bedanken. Wir dürfen Ihnen ein frohes und besinnliches Weihnachtsfest sowie alles Gute, Gesundheit und Glück für 2018 wünschen!

    Weiter ungeschlagen zum Jahresabschluss

    Europacup basket Europacup basket Europacup basket

    In der 4. und letzten ÖSTM-Runde des Jahres sicherten sich die Interwetten/Coloplast Sitting Bulls zwei deutliche Siege gegen die beiden Vertretungen der Flink Stones. Die Niederösterreicher schlugen Europacup basketdie 1. Mannschaft der Steirer mit 78:48, bevor man einen 108:25 Kantersieg gegen das 2. Team der Stones einfuhr.

    Auch die oberösterreichischen Rebound Warriors waren an diesem Spieltag zweimal erfolgreich, auf ein 66:49 gegen die Flink Stones II folgte ein 63:45 gegen WBS Pardubice. Die Tschechen verloren wiederum auch ihr zweites Spiel des Tages gegen die Flink Stones I mit 73:31.

    Die Teams verabschieden sich vorerst in die Weihnachtspause, bevor es im neuen Jahr mit der 5. Runde in Linz weitergeht.

    Weiter erfolgreich in der Meisterschaft

    Europacup basket Europacup basket Europacup basket

    Bei der dritten Meisterschaftsrunde am 25.11. im Sportzentrum NÖ in St. Pölten haben die Interwetten/Coloplast Sitting Bulls weiterhin ihre Marschrichtung mit zwei klaren Siegen vorgegeben. Das Europacup basketHeimteam feierte gegen die Dolphins Wien ebenso einen Kantersieg (102:26) wie gegen die Rebound Warriors (89:30). Auch einen hohen Sieg gab es beim rein steirischen Duell zwischen den Flink Stones 1 und dem Zweierteam der Steirer (104:23). Vom darauffolgenden Spiel zwischen den Flink Stones 2 und den Dolphins Wien konnte man eine spannendere Partie erwarten, was auch anfangs so aussah. Die Hauptstädter setzten sich aber mit zunehmendem Spiel klar ab und siegten 63:41. Den Abschluss des Spieltages bildete die Paarung Flink Stones 1 gegen das oberösterreichische Team der Rebound Warriors, was letztendlich auch zur klaren Sache für die Steirer wurde (93:57). Die nächste Runde steht kurz vor der Weihnachtspause am 16.12. in der Sporthauptschule Tulln (Wienerstraße 20) auf dem Programm. Dabei treffen die Bullen im Spitzenspiel bereits um 09:45 Uhr auf die Flink Stones 1, bevor es um 15:00 Uhr gegen die Flink Stones 2 geht.

    Zwei klare Siege gegen die Steirer

    Europacup basket Europacup basket Europacup basket

    Mit zwei klaren Siegen im Gepäck kamen die Interwetten/Coloplast Sitting Bulls vom zweiten Spieltag der österreichischen Liga in Frohnleiten nach Hause. Gegen die Gastgeber aus der Steiermark, die Flink Stones 1, gab es einen klaren 76:43 Sieg, auch das Zweiterteam der Steirer konnten im Abschlussspiel 83:34 bezwungen werden. Die Bullen stehen daher nach zwei Spieltagen mit vier Siegen unangefochten an der Tabellenspitze der Liga.

    Souveräner Saisonstart in die Liga

    Europacup basket Europacup basket Europacup basket

    Am vergangenen Samstag starteten die Interwetten/Coloplast Sitting Bulls erfolgreich in die Europacup basketneue ÖSTM-Saison 2017/2018. Zum Auftakt konnte Bullen-Chef Zankl bis auf die Routiniers Riedl und Eckerl auf alle Spieler des Kaders zurückgreifen, auch auf Wastian, der nach langer Verletzungspause erstmals im Aufgebot stand, auch wenn er noch nicht eingesetzt wurde. Mit zwei klaren Siegen gegen die Lofric Dolphins Wien und WBS Pardubice gelang den Niederösterreichern ein perfekter Einstieg in den Kampf um die Meisterschaft und damit der erste Schritt zur Titelverteidigung.


    Venezuela acuerda con Rusia la reestructuraciуn de su deuda, Internacional Home Tags, EL MUNDO, deuda consolidada.

    #Deuda #consolidada


    Venezuela acuerda con Rusia la reestructuraciуn de su deuda

    Deuda consolidada

    A finales de 2011 Rusia concediу a Venezuela un crйdito por valor de 4.000 millones de dуlares para la compra de armamento,

    Rusia y Venezuela firmaron hoy un acuerdo para la reestructuraciуn de la deuda de mбs de 3.000 millones de dуlares que el paнs latinoamericano tiene con Moscъ.

    “La deuda con Rusia ha sido refinanciada, es decir, modificadas las condiciones de pago para hacerlas mбs уptimas”, informaron fuentes diplomбticas venezolanas.

    En un comunicado, el Ministerio ruso de Finanzas tambiйn informу de que Moscъ y Caracas firmaron un acuerdo sobre la reestructuraciуn de la deuda venezolana de 3.150 millones de dуlares,

    “El Ministerio de Finanzas de Rusia informa sobre la firma de un protocolo intergubernamental que prevй la reestructuraciуn de la deuda de Venezuela ante Rusia”, seсalу el texto.

    Y aсadiу que “el monto de la deuda consolidada de Venezuela se situу en 3.150 millones de dуlares, y el nuevo grбfico prevй pagos durante diez aсos, siendo el volumen de estos en los primeros seis aсos mнnimo”.

    A la firma del acuerdo asistieron por parte de Caracas el ministro de Economнa y Finanzas, Simon Zerpa, y el titular de Agricultura, Wilmar Castro Soteldo.

    Anteriormente, el ministro de Finanzas ruso, Antуn Siluбnov, anuncio que Caracas habнa aceptado todas las condiciones de refinanciaciуn ofrecidas por Moscъ.

    La firma se produce despuйs de que la agencia de calificaciуn de riesgos internacional Standard Poors (S P) declarara la deuda soberana de Caracas en estado parcial de “default”.

    Tambiйn el presidente de Venezuela, Nicolбs Maduro, habнa anunciado que el acuerdo con Moscъ estaba cerrado.

    Estб previsto que los dos ministros ofrecerбn detalles del acuerdo de reestructuraciуn. Siluбnov adelantу que Rusia concederнa a su principal socio latinoamericano unas condiciones de pago muy ventajosas, especialmente en el primer tramo, dadas las dificultades econуmicas que atraviesa Venezuela.

    A finales de 2011 Rusia concediу a Venezuela un crйdito por valor de 4.000 millones de dуlares para la compra de armamento, que Caracas devolviу sin dilaciones hasta marzo de 2016, cuando empezaron los retrasos.


    Regalos de Boda y Detalles boda, Bodas, Bautizos, Comuniones, diseño.

    #Diseño


    Franquicias DuldiDiseño

    Bienvenidos a Duldi

    Diseño

    Diseño

    Diseño

    Diseño

    Diseño

    Y TE PREGUNTARÁS. ¿A QUÉ HEMOS VENIDO?

    ¡Hemos venido a inundar las calles de alegría, a dibujar sonrisas a grandes y pequeños, y a inyectar felicidad por todos los rincones que te puedas llegar a imaginar!

    ¡Duldi es la combinación idónea para organizar tus fiestas! Es un espacio de diversión y color donde podrás hallar todo tipo de detalles para tus celebraciones. Entre nuestros productos se encuentran regalos de boda y tus marcas favoritas como:

    DiseñoDiseñoDiseño

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    • Diseño

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  • Customer Satisfaction Reviews of American Family Home Insurance, american family car insurance quote.

    #American #family #car #insurance #quote


    American Family Home Insurance Ratings

    Reason for buying from American Family

    18% Was the company their parents had.

    18% The insurer was recommended by a friend.

    14% The insurer’s reputation.

    8% Had other insurance with this company.

    6% Saw a commercial.

    Would you recommend this company?

    • already have
    • yes
    • not sure
    • probably not
    • no
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    • 38%
    • 41%
    • 17%
    • 3%
    • 1%

    Would you renew?

    • yes
    • no
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    • 92%
    • 8%

    Other Companies to Consider

    About American Family

    Best Insurance Companies survey 2017

    Some families are dysfunctional, but not American Family Insurance. The insurer received high marks from its members in this year’s survey. They landed an overall score of 84.6, and individual numbers were high as well. American Family was given a 4.5 for its claims processing, and its members were happy with customer service (4.25) and the value for price (4). There may be some reservations among some customers, with 82 percent being happy to recommend the company. Still, 92 percent say that they will renew.

    Farming roots

    Herman Witter, an insurance salesman, started Farmer Mutual Insurance Company in Madison, Wisconsin. His is a familiar tale, if you’ve been boning up on your insurance company history. Witter focused on selling car insurance to farmers because they were seen as a good risk compared to city drivers.

    As the years went on, Witter’s company evolved, and like many regional insurance companies around the country. In 1963, the company changed its name to American Family to reflect the expansion.

    Today, American Family Insurance is a Fortune 500 company serving customers nationwide in areas of auto, home, health, life and business in 19 states across the country (Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington and Wisconsin).

    Homeowners policies offered

    • Home
    • Condo
    • Manufactured home
    • Renters
    • Flood

    American Family homeowner programs

    • Smart home — Does your house have things like the Ring Video Doorbell or a smart smoke/fire alarm system? You’ll likely get a discount.
    • New home — Talk to your agent; you may be able to get a discount if your home is new.
    • Family member discount — Are you parents an American Family customer? If they are, and you’re between 18 and 30, you may end up saving money.
    • Renovations discount — If you’ve completely replaced the plumbing, electrical and heating systems in your home, you can get a discount.

    Additional policies include

    • Auto
    • Life
    • Business
    • Manufactured home
    • Boat
    • Farm and Ranch
    • Umbrella
    • Travel
    • ATV and RV
    • Health

    Consider American Family Insurance if you have a family

    Yes, many insurers are very pro-family, but American Family Insurance seems to take its name very seriously. As noted earlier, if you’re a young homeowner, and your parents are American Family Insurance customers, you’ll get a discount. That said, American Family provides numerous discounts, for virtually every type of family. Is your kid in college, 100 or miles away, and the car is parked in your garage? You get a discount. Are your kids doing volunteer work? If they do 40 hours a year, you can get a discount. If they’re getting good grades, you can get a discount. You get the idea.


    Compare Cheap Car Insurance Quotes at GoCompare, motor quote car insurance.

    #Motor #quote #car #insurance


    Car insurance

    Compare cheap car insurance quotes and see if you could save

    • Compare car insurance quotes from over 120 brands with a single search [1]
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    • Find the cheapest car insurance groups
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    If you know your number plate it’ll save you time, but if not just choose your make and model and you’re on your way to quotes galore.

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    Whether you need comprehensive insurance, third party fire and theft or third party only for just the one car or many, it’s easy to get the cover you need.

    You don’t need to take our word for it either – when you get your quotes they come along with helpful information and star ratings from financial researcher Defaqto, so you’ll see exactly what you’re buying.

    Need to know more about car insurance?

    We’re committed to keeping you well-informed and on the road, so if you’re puzzled by any aspect of your policy, roll up the door to our Car insurance garage for guides, tips and help on all things motoring and car insurance.

    Did you know.


    • 67% of motorists pay the renewal price, potentially missing out on cheaper car insurance premiums [2]
    • 32% of drivers have been with their current insurer for three years or more [2]

    Telematics (black box) policies, women’s car insurance, older motorists, modified cars, young drivers, classic cars, and learner drivers – it’s all here.

    There’s also plenty to read and delight on wider motoring issues.

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    [1] Correct as of 18th October, 2017

    [2] Research commissioned by Gocompare.com carried out with 2,000 UK adults in February, 2017 by Bilindi

    † Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites


  • Ricerca Partita Iva – Ricerca gratis un azienda dalla Partita Iva, partita iva aziende.

    #Partita #iva #aziende


    ricerca partita Iva gratuita

    Ricerca i dati dellazienda

    dal numero di Partita Iva.

    • Ricerca on-line la Partita Iva indicando il nome dellazienda.
    • Oltre alla Partita iva si ottengono i principali dati camerali dellazienda.

    E’ possibile cercare la partita iva di una ditta, di un’azienda e di qualsiasi altro soggetto giuridico censito in Camera di Commercio.

    Oltre al numero di partita iva, lesito della ricerca и arricchito di ulteriori informazioni anagrafiche e legali dellimpresa.

    La ricerca si puт eseguire partendo dalla denominazione dell’azienda, ottenendo quindi il numero di partita iva.

    Se invece si dispone del numero di partita iva sarа possibile individuare i dati dellimpresa a cui corrisponde.

    La necessitа di accertare l esattezza e la corrispondenza di un numero di partita iva oppure di rintracciare il numero di partita iva di unazienda, nasce di diverse situazioni di natura commerciale e di affari.

    I dati forniti vengono acquisiti presso larchivio ufficiale della Camera di Commercio che detiene le anagrafiche delle aziende.

    Lesito delle ricerche partite iva si visualizza in pochi secondi dopo aver completato la procedura di acquisto del servizio. Per sicurezza, il sistema ve ne trasmetterа una copia anche per e-mail.

    I dati che si ottengono sono aggiornati alla data in cui viene effettuata la richiesta del servizio presso la fonte di rilevazione.

    La ricerca della partita iva dalla ragione sociale

    Il rintraccio della partita iva di un azienda и possibile attraverso molteplici dati, fra i quali la piщ semplice и attraverso la ricerca della ragione Sociale in una determinata provincia. Pur essendo un’operazione semplice, potrebbe perт generare svariati risultati simili ed in tali casi и sempre consigliato conoscere ulteriori dati aziendali quali ad esempio il Comune o l’indirizzo della Sede Legale o comunque l’attivitа dell’azienda stessa.

    La ricerca della partita iva gratis

    Le possibilitа di reperire dati on-line и oggi pressochй infinita, ma и sempre necessario distinguere i dati attendibili (specie in materia amministrativa e fiscale) da quelli meno attendibili e creati ad hoc per attirare utenti. Di fatto и molto difficile, se non impossibile, reperite un dato attendibile relativamente alla p.iva in maniera gratuita, mentre si possono trovare servizi anche a costi molto contenuti che sicuramente offrono un’affidabilitа molto maggiore del dato.

    Nota per gli utenti

    I dati restituiti attraverso la Ricerca Partita Iva vengono estratti dal Registro Imprese della Camera di Commercio. I motivi di un eventuale esito negativo potrebbero essere i seguenti:

    – inserimento dei dati di ricerca non corretti

    – ditta individuale (non censita per partita iva presso la Camera di Commercio)

    – soggetto non ancora iscritto presso il Registro delle Imprese della Camera di Commercio

    – soggetto non obbligato alliscrizione nel Registro delle Imprese della Camera di Commercio


    Miglior sito last minute? Discussione generale Forum, le migliori offerte di viaggio.

    #Le #migliori #offerte #di #viaggio


    miglior sito last minute?

    ciao a tutti, volevo chiedere se avete mai prenotato vacanza last minutes da internet? sono vacanze affidabili? si riesce a risparmiare? hanno ritardi i voli?

    qual'è il sito migliore?? grazie

    io l'ho prenotata . anzi devo dire che le prenoto quasi sempre . nel senso che parto quasi sempre in lastminute , e quasi sempre da internet .

    L' Affidabilità dipende un po' dai siti , non dal fatto di essere last minute . !!

    Siti non saprei consigliartene qualcuno in particolare .

    ho prenotato spesso con www.caesartour.com che ha delle buone offerte spesso .

    ne abbiamo parlato spesso sul forum , prova a fare una ricerca vedrai che trovi molti consigli!!

    ok. grazie mille. e quest'anno c'è qualcuno che fa last mintes in estate?

    Last minute è un intermediario, vende voli e pacchetti, ma la sua funzione termina con l'invio del biglietto o del voucher.(o col comunicarti via mail o sms cambi di volo della compagnia)

    Gli eventuali ritardi dipendono dalle compagnie aeree, a volte si risparmia ma non più come quando Lastminut è nato.

    Il sito è Lastiminute it o com o tour

    ma comunicano davvero se ci sono cambi di orario. sono affidabili?

    Ciao demone-giallo, credo ci sia da fare un po' di chiarezza.

    Il termine last-minute significa "ultimo minuto", il che si traduce con offerte dei tour operator che, rimaste invendute, vengono scontate rispetto al prezzo di listino. Queste offerte le può creare qualsiasi tour operator.

    Utilizzando questo termine sono poi fioccate agenzie e tour operator che hanno inserito queste parole nel loro nome (es. Lastminute.com, lastminutetours.com, lastminute.it, ecc.), ma non tutte si occupano solo di offerte last-minute, alcune semplicemente raccolgono offerte speciali (tipo 2×1, prenota-prima, sconto viaggio di nozze, bambini gratis ecc.) e propongono sconti vari e agevolazioni che nulla hanno a che vedere con le offerte dell'ultimo minuto, che sono ripeto sconti offerti sui prezzi da listino. La gente è abituata ad associare il termine a "economico" quindi in molti usano a sproposito queste parole.

    Detto questo, un last-minute è un pacchetto (o volo) che si vende all'ultimo minuto, in genere per partenze al massimo entro 3 settimane dalla data di prenotazione. Questo vuol dire che a inizio luglio non trovi offerte last-minute per settembre, trovi semmai delle offerte speciali.

    La puntualità dei voli non dipende dal tour operator che crea il pacchetto né tantomeno dall'agenzia o portale internet che lo rivende. Dipende dal traffico aereo, e non si può conoscere in anticipo. Semmai può verificarsi un cambiamento di orario da programma, che viene comunicato via e-mail, ma il ritardo non si può prevedere.

    Di portali ne esistono tantissimi, per prenotare i viaggi. Se devi prenotare un pacchetto puoi provare direttamente ad andare sul sito dei tour operator che creano il pacchetto, hanno tutti una sezione dedicata al last-minute, e i pacchetti che vendono sono i loro prodotti, quindi sicuramente sanno cosa vendono!

    Se invece non ti interessa una meta in particolare ma vuoi selezionare in base al prezzo puoi andare su portali generici e cercare quello che fa al caso tuo.


    Sénégalaise de l Automobile, site web automobile.

    #Site #web #automobile


  • Location courte & longue durée

    Location de véhicules en Europe

    Entretien & réparation toutes marques

    Vente de véhicules doccasion

    + de 20 000 références

    Des services sur mesure

    Financer lachat de votre véhicule

    New Sportage New Sportage

    Le nouveau Kia Sportage a été pensé pour dépasser vos exigences. Une personnalité affirmée, la présence des dernières technologies de pointe ou encore les niveaux de confort et de sécurité avancés sont autant de raisons de s’emparer du volant pour de nouvelles aventures

    La Sénégalaise de l’Automobile, le concessionnaire leader au Sénégal. Vente de véhicules neufs et d’occasion, location, entretien et réparations depuis plus de 30 ans.

    ACTUALITÉS Toutes les actualités

    Mitsubishi L200 : le pick up de tous vos besoins

    Le Mitsubishi L200, un pick-up vraiment unique. Utilitaire de renom depuis (. )

    LIRE LA SUITE

    Salon de l’Automobile de Beijing : Mitsubishi dévoile son site web dédié à l’évènement

    Les salons automobiles sont des occasions très spéciales pour les (. )

    Le festival itinérant Afrikabok fête ses dix ans

    Pour fêter ses dix ans, le cinéma de plein air AFRIKABOK organisée par (. )

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    Ne cherchez plus ailleurs, avec les Occasions de la Sénégalaise de lAutomobile vous bénéficiez du meilleur rapport qualité/prix et de lengagement dun grand concessionnaire.

    Les Occasions de la Sénégalaise de lAutomobile, cest un large choix de véhicules. Des voitures compactes aux berlines, des 4 x 4, aux deux roues et utilitaires, un p


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  • La deuda publica, la deuda publica.

    #La #deuda #publica


    Deuda

    Vínculo en virtud del cual una persona, denominada deudor, se compromete a pagar a otra, denominada acreedor, una suma determinada de dinero o ciertos bienes y servicios específicos. Las deudas se originan normalmente cuando los acreedores otorgan préstamos a los deudores, que éstos entonces se comprometen a devolver en cierto plazo y bajo determinadas condiciones. Entre estas últimas la más corriente es la que fija la tasa de interés que habrá de devengar el préstamo.

    Las economías modernas se basan en gran parte sobre las deudas a corto o largo plazo que contraen los particulares, las empresas y el Estado. Sólo las transacciones de menor cuantía suelen pagarse en efectivo pues para casi todas las demás se emplean diversas formas de crédito. Las deudas, por lo general, quedan legalmente registradas mediante el uso de instrumentos mercantiles específicos: pagarés, letras de cambio, bonos, etc.

    Deuda que contrae el gobierno de un país. En ella normalmente se incluyen no sólo los préstamos tomados por el gobierno central sino también los que contraen organismos regionales o municipales, institutos autónomos y empresas del Estado, ya que los mismos quedan formalmente garantizados por el gobierno nacional. La deuda pública suele dividirse en deuda a corto y a largo plazo, así como en deuda pública interna, contraída ante acreedores del país, y deuda pública externa, contraída ante prestamistas del extranjero.

    Es una práctica ampliamente extendida en el mundo moderno que los Estados gasten, en cada ejercicio, más dinero que el que recaudan, debido a los compromisos políticos y sociales que asumen. Las políticas keynesianas, por otra parte, que preconizaron presupuestos deficitarios como medio para activar el crecimiento económico, han contribuido también grandemente al endeudamiento de los Estados modernos.

    Debido al peso de la deudas contraídas con anterioridad es frecuente que, entre los gastos del Estado, aparezca una considerable partida dedicada al pago de los intereses y del capital de la deuda asumida. La inelasticidad de variados gastos fiscales y la imposibilidad de aumentar la presión tributaria más allá de cierto punto, suelen llevar a un círculo de creciente endeudamiento, puesto que a los gobiernos les resulta imposible hacer frente a tales compromisos y a los gastos corrientes por medio de los ingresos ordinarios que perciben.

    Los gobiernos buscan por lo general consolidar las deudas a corto plazo convirtiéndolas en deudas de largo plazo, más fáciles de gerenciar, pero, en todo caso, cuando la deuda interna total sobrepasa cierto nivel, se recurre muchas veces a emisiones suplementarias de moneda nacional con el objeto de atender estos compromisos. Ello causa, indudablemente, una presión de tipo inflacionario, puesto que las nuevas emisiones se producen sin un respaldo en divisas o en bienes producidos por el país. En el caso de las deudas externas, que deben pagarse en dólares o en otras divisas, resulta imposible recurrir -salvo para los Estados Unidos, por supuesto- a este conocido expediente. Por tal razón los países Latinoamericanos -y de otras partes del mundo- que acumularon en las últimas décadas crecientes saldos negativos en sus transacciones externas, se vieron obligados a realizar profundos ajustes en sus economías a partir de los últimos años de la década de los ochenta.

    Deuda interna” es una parte de la “deuda pública”. La “deuda pública”, en general, es la plata que el Estado costarricense debe. O sea, la suma de empréstitos o préstamos que debe (interna o externamente). El Estado pide plata prestada de distintas maneras. Algunas veces lo hace a través de instrumentos formales, con bancos o entidades internacionales o extranjeras, blandas o comerciales. Otras veces emite bonos o valores, que coloca en diversos mercados.

    En la década de los años setenta, nuestro Estado se abusó con la deuda externa. En diversas administraciones se endeudó a más no poder (petrodólares, banca comercial y mil cuestiones más). A finales de dicho decenio el endeudamiento se hizo por la vía anormal del Banco Central, de modo que no se conocía la operación en la Asamblea Legislativa.

    En los noventas, en cambio, la moda ha sido la “deuda interna”, compuesta por infinidad de colocaciones en el mercado interno, en forma de bonos o valores que “reciben” los bancos comerciales del Estado y que “aceptan” las instituciones públicas.

    Nuestro Estado, en vez de entrar en razón y determinar qué puede hacer. Se ha encaprichado en hacer de todo. Para seguir en tal loco afán, ha tenido que endeudarse hasta las futuras generaciones.

    De tal modo, más de una tercera parte del presupuesto nacional se dedica al “servicio de la deuda”. No obstante, prácticamente un 40% del presupuesto se financia con nueva deuda. Es como si una culebra se empezara a comer ella misma por la cola.

    El asunto es que hace como cuatro años hubo una campaña nacional para combatir la dichosa deuda interna. Se habló de controlar el gasto público, de hacer ingeniería financiera (dolarizar la deuda para que bajaran un tanto los intereses) y de ordenar la casa, para luego honrar las obligaciones (impuestos y venta de activos). El hecho es que no hemos avanzado nada significativo. Lo que se ha hecho es rebalancear la deuda pública aumentando la externa (una especie de dolarización). A final de cuentas seguimos gastando desordenadamente, endeudándonos y sacrificando el presupuesto en el servicio de la deuda.

    Ahora el Presidente de la República vuelve al supuesto dilema de antes: “se aumenta la carga tributaria o hay venta de activos”.

    Sin embargo, hay que recordar que la deuda pública (interna y externa) tiene un origen: el déficit presupuestario. La causa es un déficit fiscal (Estado=Fisco). Si nuestro Estado no entra en razón, todo se hundirá. Absolutamente todo. Las instituciones públicas, los mercados financieros, los fondos de pensiones, la infraestructura, los servicios y nuestra sociedad en general. No seremos los primeros a quienes les pasa tal tragedia. La historia está llena de ejemplos. Lástima que parece que el ser humano no escarmienta en cabeza ajena.

    Aquella contraída con entidades o personas del exterior y que generalmente está denominada en moneda extranjera. Los pagos por capital e intereses de las deudas externas implican una salida de divisas y un aumento de la cuenta de los egresos de la balanza de pagos. Se contraen deudas externas cuando se financian importaciones, cuando los gobiernos contraen compromisos con bancos, organismos internacionales u otros gobiernos, y cuando las empresas -públicas o privadas- solicitan préstamos para realizar inversiones o para otras necesidades. En este último caso es frecuente que las empresas cuenten con un aval gubernamental que garantiza la devolución de sus préstamos ante los acreedores.

    Muchos países en desarrollo, necesitados de capital, contrajeron grandes deudas externas durante la década de los setenta; cuando a principios de la década de los ochenta aumentaron bruscamente los intereses en el mercado mundial se produjo -en muchos de ellos- una crisis de pagos, la llamada “crisis de la deuda”. Los grandes compromisos contraídos obligaron a medidas de saneamiento fiscal, pues gran parte de la deuda la habían contraído los gobiernos y las empresas públicas, aplicándose los fondos a proyectos de escasa rentabilidad o muy larga maduración. Hacia mediados de esa década se comenzaron a aplicar diversos mecanismos para reestructurar la cuantiosa deuda existente y buscar formas de garantizar su pago.

    Llámase así a la parte de la deuda pública contraída a muy corto plazo mediante bonos y letras del tesoro, y que se va renovando continuamente. La deuda flotante está en general en manos de los bancos e inversionistas nacionales o extranjeros. Los compromisos contraídos a corto plazo presionan a los gobiernos a emitir nuevos títulos, generando así un círculo de endeudamiento que, cuando no existen ingresos de la misma magnitud, lleva normalmente a la emisión de moneda inorgánica y, por ende, a la inflación.


    Medical malpractice costs continue to climb, Medical Economics, medical malpractice insurance premiums.

    #Medical #malpractice #insurance #premiums


    medical malpractice insurance premiums

    Medical malpractice insurance premiums

    Medical Economics Nav

    Medical malpractice insurance premiums

    • TRENDING:
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    Medical malpractice costs continue to climb

    The cost of defending a medical malpractice lawsuit continues to climb, as does the cost of liability insurance premiums for some specialties, according to two medical liability reform reports released in December by the American Medical Association (AMA).

    The first report analyzes indemnity and expense payments, claim disposition, and policy limits based on a sample of medical liability claims that closed between 2001 and 2010 aggregated by the Physician Insurers Association of America. The report s key findings:

    The average expense of defending a physician against a medical liability claim in 2010 was $47,158 an increase of 62.7% since 2001.

    In 2010, 63.7% of closed claims against physicians were dropped, withdrawn, or dismissed without any payment. Each of these claims costs an average of $26,851 to defend, accounting for more than one-third of the total annual defense expenses.

    Of the claims that reached a jury verdict, 8% were in favor of the physician or other medical provider(s), and 0.6% were in favor of the plaintiff.

    The average medical liability indemnity payment (money paid to a plaintiff) in 2010 was $331,947 an increase of 11.5% since 2001. The portion of medical liability insurance policies carried by physicians with limits exceeding $1 million has increased from 28% to 41% since 2001.

    The second trend report analyzed medical liability insurance premiums from 2004 to 2011 gathered from the Annual Rate Survey issues of the Medical Liability Monitor. The report reviewed rates in eight states. Highlights:

    Physicians continue to face high insurance costs to protect themselves against medical liability claims. Premiums in many states remain higher than they were during the height of the last medical liability crisis.

    In some New York regions, premiums for obstetricians/gynecologists reached $206,913 in 2011 an increase of 4% since 2004, whereas premiums for general surgeons reached $128,542 an increase of 64% since 2004.

    Premiums for internal medicine physicians have increased in New York since 2004, but premiums in the other seven states have either decreased or stabilized.

    Information in the new studies paints a bleak picture of the cost burden caused by excess litigation against physicians and bolsters the case for national and state level medical liability reforms, AMA President Peter W. Carmel, MD, said in a statement. We all pay the price for our broken medical liability system and the direct effect it has on the cost of medical care.


    Hypothek eigenkapital, hypothek eigenkapital.

    #Hypothek #eigenkapital


    Rendite einer vermieteten Liegenschaft berechnen

    Finden Sie heraus, mit welcher Nettorendite Sie auf dem Eigenkapital einer vermieteten Liegenschaft rechnen k nnen.

    Die Berechnungstools dienen dazu, sich zu einem Thema einen groben berblick zu verschaffen. Die Simulationsrechnungen beruhen auf diversen vereinfachten Annahmen. Eine Beratung durch eine qualifizierte Fachperson wird auf jeden Fall empfohlen.

    Hypothek eigenkapital Wichtiger Hinweis

    Die einzelnen Rechner dienen dazu, sich zu einem Thema einen groben Überblick zu verschaffen. Die Simulationsrechnungen beruhen auf diversen vereinfachten Annahmen. Eine Beratung durch eine qualifizierte Fachperson wird auf jeden Fall empfohlen. Lesen Sie den Disclaimer, bevor Sie weiterfahren:

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    Escuela de Finanzas – Educational global group, area de finanzas en una empresa.

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    Area de finanzas en una empresa

    Bienvenido a EF Business School

    Nuevos Proyectos Formativos

    La Unidad de Inteligencia y Ciberseguridad (ICiber) es un proyecto académico desarrollado por Escuela de Finanzas (EF) y dirigido por la Catedra de Servicios de Inteligencia de la Universidad Rey Juan Carlos, cuyo director es Fernando Velasco, Profesor Titular de Filosofía Moral y Director de la Cátedra Servicios de Inteligencia y Sistemas Democráticos.

    Dicha unidad está compuesta por tres ofertas acádemicas de postgrado:

    Area de finanzas en una empresa

    Máster en Ciberseguridad

    Area de finanzas en una empresa

    Especialista en Ciberinteligencia.

    Area de finanzas en una empresa

    Analista de Inteligencia.

    Máster en Transformación Digital

    Area de finanzas en una empresa

    El camino del cambio hacia lo que se está llamando La cuarta revolución industrial, también denominada Industria 4.0 y Transformación digital, ya ha comenzado, por ello hemos desarrollado el Máster en Transformación Digital.

    La velocidad y el nivel de transformación de este proceso de cambio es diferente para cada sector de actividad empresarial, sin embargo, es un proceso inevitable y universal, que más pronto que tarde modificará todo el entorno empresarial que conocemos actualmente.Estos cambios futuros requerirán de profesionales formados, con criterio y habilidades para liderarlos y gestionarlos. Más Info.

    Máster en Dirección Jurídica de Empresa

    Area de finanzas en una empresa

    El Máster profundiza en todos los aspectos legales del funcionamiento empresarial, capacitando al alumno para desarrollar toda una carrera profesional especializada, bien como freelance, como Director Jurídico o Abogado “in house”, como parte de los órganos de administración y directivos de de empresa, o bien en despachos especializados.

    Partiendo de los conocimientos generales propios de cualquier profesional del derecho, se realizará un repaso punto por punto de todos los ámbitos de la vida social desde su nacimiento hasta su extinción, pasando por todos los órdenes jurídicos, especialidades, y problemas tanto habituales como extraordinario. Más Info.

    Masters

    Quince años de experiencia formando a directivos y nuevos talentos para la empresa española y latinoamericana avalan el éxito del proyecto educativo de EF Business School. Siempre atentos a las nuevas necesidades de la empresa, trabajamos para que el alumno responda, desde el primer minuto de su incorporación a la empresa, con el rigor, la profesionalidad y el dinamismo exigido por los nuevos tiempos, desde cualquier ámbito de gestión de la empresa y con objetivos marcados de liderazgo y dirección de equipos.

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    Postgrados

    Los Postgrados tienen como objetivo formar tanto a directivos con experiencia en su sector pero que desean focalizar su formación en algún aspecto de gestión particular, como a todos aquellos que deseen iniciarse en una especialización de gestión concreta y les permita planificar estrategias así como dirigir y liderar equipos en los procesos de cambio, con una relación permanente con las necesidades del mercado.

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    Programas Ejecutivos

    Los Programas Ejecutivos son cursos intensivos diseñados para ofrecer una formación ejecutiva de alta calidad a directivos con orientación a resultados. Los programas están dirigidos por profesores del mundo de la empresa con experiencia docente. A través del método del caso, el aprendizaje resulta altamente dinámico y enriquecedor. Quienes se integran en cualquiera de estos programas encontrarán herramientas avanzadas de gestión que podrán aplicar de manera relevante en su ámbito profesional.

    Area de finanzas en una empresa

    Programas Superiores

    Damos por seguro que el proceso de construcción de un sistema financiero europeo, también denominado Unión Bancaria, implicará que los profesionales del sector deban estar altamente capacitados y certificados ante las autoridades oportunas; en función de esta filosofía hemos construido una formación de referencia a nivel nacional.

    Area de finanzas en una empresa

    Aviation Business School

    La actual demanda de pilotos a nivel global, requiere una formación amplia e internacional, con un dominio total de la lengua inglesa y con licencias aeronáuticas con vocación exterior y sin fronteras. Pero es necesaria una formación que vaya más allá. Aviation Business School dotará al mercado de pilotos expertos en empresas, finanzas y compañías aéreas, lo que les permitirá abrir muchas puertas del ámbito empresarial.

    Area de finanzas en una empresa

    Cursos y seminarios

    Los Cursos y Seminarios se centran en una amplia oferta de programas prácticos y especializados para la formación en distintos ámbitos de la empresa. A través de los mismos, el participante puede centrarse en un área concreta de interés y obtener de esta forma un amplio impacto en su carrera y en la empresa.

    Area de finanzas en una empresa

    ESAF British College

    Con Escuela de Finanzas podrás alcanzar un grado universitario de reconocido prestigio en tan sólo tres años. Todo ello gracias a nuestros acuerdos internacionales con la Universidad de Kent. Infórmate de nuestra nueva y vanguardista propuesta educativa.

    Area de finanzas en una empresa

    EF- Project Management School

    EF – Project Management School, es el proyecto educativo de éxito de Escuela de Finanzas para la formación de directores de proyectos. Una formación de reconocido prestigio y alcance internacional de la mano de la más importante institución acreditadora del mundo: el Project Management Institute (PMI).

    Area de finanzas en una empresa

    EF – Accounting School

    Adquirir una poderosa presencia global dentro de la profesión contable y auditora, requiere beneficiarse de una certificación internacional avalada por las principales organizaciones empresariales e instituciones del mundo. La certificación de la Association of Chartered Certified Accountants (ACCA), cuenta con este reconocimiento y le aportará los recursos y el apoyo necesarios para encaminar al estudiante hacia el éxito profesional.

    Area de finanzas en una empresa

    EF – Escuela de Lenguas

    Ya existe en Galicia un sustitutivo a las costosas estancias de aprendizaje de inglés en Inglaterra. El verdadero objetivo de la Escuela de Lenguas es alcanzar en un tiempo récord las certificaciones B2 (First) y C1 (Advanced), tiempo que nunca puede superar los nueve meses, porque ese es el tiempo del que disponen nuestros estudiantes para alcanzar el C1.

    Area de finanzas en una empresa

    Aula de debate

    En la Liga Interna EF Business School de debate iniciarás relaciones sociales de forma positiva, manejarás técnicas retóricas con fluidez y hablarás en público con seguridad. Asimismo emplearás la presencia de otras personas como facilitador para la comunicación y utilizarás los principales métodos de investigación existentes en el campo de la comunicación para elaborar una argumentación consistente.


    Créditos Conyugales de Fovissste-Infonavit – Credito Hipotecarios, creditos hipotecarios 100 financiamiento.

    #Creditos #hipotecarios #100 #financiamiento


    Créditos Conyugales de Fovissste-Infonavit

    Creditos hipotecarios 100 financiamientoEl programa conyugal de Fovissste-Infonavit, es un crédito en el que cada Instituto otorga a sus derechohabientes casados, un financiamiento para la adquisición de una vivienda.

    De esta manera, los dos organismos se unen conforme a sus propias políticas y ofrecen un crédito hipotecario con la condición que uno de los cónyuges cotice al Fovissste y el otro al Infonavit.

    Este producto sólo aplicará a cónyuges, es decir, los solicitantes deberán demostrar la existencia de un vínculo matrimonial (acta de matrimonio) con independencia del régimen conyugal. En el caso de los derechohabiente de FOVISSSTE, no estarán sujeto a sorteo.

    Los créditos serán para adquisición en copropiedad de una vivienda terminada nueva o usada, y los montos máximos de crédito de cada Institución estarán determinados por sus correspondientes políticas y se sumaran al 100% de sus capacidades equivalente a Salarios Mínimos (SMMGVDF).

    Programa de Financiamiento donde el FOVISSSTE y el INFONAVIT ofrece financiamiento directo para la adquisición de una vivienda Nueva o Usada a Nivel Nacional y no estará sujeto a un Procedimiento Aleatorio y el derechohabiente del INFONAVIT deberá de cumplir con los requisitos del Instituto para que se le otorgue.

    Puede ser aplicado a la adquisición de Vivienda nueva o usada y en cualquier parte de la República, sin tope en el valor de la Vivienda ni en el monto del crédito, la garantía hipotecaria será en primer lugar para las dos Instituciones en proporción de los montos que otorguen, con la obligación solidaria del cónyuge. La disponibilidad para el ejercicio 2016, es de 1,500 créditos conyugales.

    Montos del Crédito Conyugal

    El 100% del Saldo de la Subcuenta de Vivienda SAR aplica como primer pago, mientras que las aportaciones subsecuentes, amortizan el crédito remanente.

    El crédito que otorga el FOVISSSTE será mediante descuentos quincenales del 30% del sueldo básico de cotización. (La tasa de interés va del 4% al 6% dependiendo del nivel salarial del acreditado)

    El derechohabiente de INFONAVIT la tasa podrá ser del 4 al 10%.

    El descuento para el derechohabiente cotizante al INFONAVIT es de acuerdo a las reglas o políticas del Instituto.

    Los solicitantes deberán cumplir con las reglas para el otorgamiento de crédito del organismo de vivienda al que cotiza, y la garantía hipotecaria será en primer lugar para las dos Instituciones en proporción de los montos que otorguen.

    Creditos hipotecarios 100 financiamiento

    Los requisitos para derechohabientes del Fovissste:

    • Estar casado con un derechohabiente del Infonavit.
    • Estar activo en el sector público (Con el último talón de pago)
    • Haber cotizado 18 meses o más (Al registro de la solicitud declarativo; cuando inicie el trámite de su crédito ante la Entidad Financiera e integre su expediente, deberá comprobar la antigüedad con la constancia de servicios o el crédito se cancelará).
    • No haber recibido un crédito con anterioridad.
    • Que no se encuentre con un crédito vigente (activo) en trámite.
    • Debe presentarse el derechohabiente para la firma de solicitud.

    Requisitos para derechohabientes del Infonavit:

    • Estar casado con un derechohabiente del Fovissste.
    • No haber recibido un crédito con anterioridad.
    • Que cumpla con la puntuación establecida por el INFONAVIT.
    • Debe presentarse el derechohabiente para la firma de solicitud. La solicitud se puede registrar a su elección, en las Entidades Financieras que operan con FOVISSSTE o en cualquier Departamento de Vivienda del FOVISSSTE en la República Mexicana.

    Documentación para el registro de solicitudes (En original y copia).:

    • Acta de Matrimonio (Copia Certificada, para corroborar de un inicio el requisito básico para las dos Instituciones).
    • Identificación oficial (ambos).
    • Comprobante de domicilio.
    • CURP de ambos derechohabientes.
    • Número de Seguridad Social (Derechohabiente INFONAVIT).

    Créditos Hipotecarios Conyugales


    Auto-Garagen – jetzt günstig bestellen, A, hagelschutz auto.

    #Hagelschutz #auto


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    Das EU-Reifenlabel

    Das am Produkt angebrachte Energielabel zeigt die Klassifizierung des jeweiligen Reifens im Hinblick auf Kraftstoffverbrauch, Nasshaftung und Geräuscheklassifizierung. Die europaweit einheitliche Kennzeichnungspflicht gilt für alle nach dem 30. Juni 2012 produzierten Reifen.

    Bewertungskriterien des EU-Reifenlabels

    Kraftstoffeffizienz

    Das Symbol mit der Zapfsäule steht für den Rollwiderstand des Reifens. Je geringer der Rollwiderstand ist, umso weniger Energie (CO2) wird verbraucht und desto geringer ist der Kraftstoffverbrauch. Die Einteilung erfolgt von Klasse A (grün und damit höchste Kraftstoff- effizienz) bis Klasse G (rot und damit geringste Kraftstoffeffizienz), wobei D nicht belegt ist.

    Hagelschutz auto

    Nasshaftung

    Die Regenwolke symbolisiert die Nasshaftung, die entscheidend für die Fahrsicherheit ist. Reifen mit ausgezeichneter Nasshaftung verkürzen den Bremsweg enorm. Die Einteilung der Leistung erfolgt in die Klassen A (höchste Leistung, kürzester Bremsweg) bis G (geringste Sicherheit, längster Bremsweg), wobei D und G nicht belegt werden.

    Hagelschutz auto

    Externes Rollgeräusch

    Das Symbol mit dem Lautsprecher zeigt das externe Rollgeräusch in Dezibel (dB) an. Der Messwert gibt die Lautstärke des Vorbeifahr- geräusches an. Je mehr “Schallwellen” angezeigt werden, umso lauter ist das Außengeräusch des Reifens.

    Hagelschutz auto


    Fundacion, fundacion.

    #Fundacion


    fundacion

    Fundacion

  • Fundacion

    Em apenas seis meses na presidência, Franklimberg de Freitas finaliza 2017 com balanço positivo

    FundacionDesde que assumiu a presidência da Funai, em julho de 2017, o presidente Franklimberg de Freitas tem atuado de forma capaz e eficiente para garantir os direitos e melhorar a qualidade de vida dos mais de um milhão de indígenas brasileiros. Em apenas seis meses, Franklimberg recebeu mais de 500 lideranças na sede da Fundação, além de visitar, in loco, mais de 20 comunidades, atendendo e solucionando suas principais demandas.

    Governo do Rio de Janeiro cria Conselho Estadual dos Direitos Indígenas

    FundacionO governo do Estado do Rio de Janeiro publicou na última sexta-feira (12) o Decreto nº 46.218, que institui o Conselho Estadual dos Direitos Indígenas (Cedind), sem aumento de despesa. O órgão colegiado permanente tem caráter consultivo no âmbito da Secretaria de Estado de Direitos Humanos e Políticas para Mulheres e Idosos (SEDHMI), responsável pela coordenação do Cedind.

    Indígena e pedagoga, Delmira Peres orgulha povo Avá-Gurani ao entrar para a pós-graduação na UNILA

    FundacionNo Tekoha Ocoy, em São Miguel do Iguaçu, o povo Avá-Guarani tem mais um motivo para se orgulhar: Delmira de Almeida Peres, pedagoga e diretora auxiliar no Colégio Estadual Indígena Teko Ñemoingo, é uma das primeiras discentes indígenas da pós-graduação da Universidade Federal da Integração Latino-Americana (UNILA).

    Fundacion


  • Car Insurance, Compare Car Insurance Quotes, iSelect, quote on car insurance.

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    Comparing some of Australia’s biggest car insurance companies.

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  • Combien coûte un divorce à l – amiable en France? Prix d – un avocat, des honoraires…, avocat en france.

    #Avocat #en #france


    Coût dun divorce Amiable

    LE COÛT (normal) D’UN DIVORCE AMIABLE SANS JUGE ?

    Si le prix est important pour le choix (prévoir au minimum 7 heures davocat chacun)… la qualité et la rapidité sont primordiales en divorce amiable, car encore près de 50 % (il y a peu cétait 70 %) des divorces avec enfant reviennent devant les juges dans les 5 ans qui suivent pour cause de mauvaise fiabilité. Faites vous effectuer les importantes révisions de votre véhicule chez le concessionnaire ( à 80 EUR/heure + TVA) ou chez nimporte qui ? Mais certainement cela dépend du risque financier ? Pour le divorce à l’amiable sans juge, depuis janvier 2017, chacun doit avoir son avocat personnel.

    VOTRE AVOCAT… est lintermédiaire (obligatoire) !… Ainsi cest la première personne à convaincre que vos prétentions sont bonnes… A son prix de lheure (150 à 300 EUR lheure) vous aurez sûrement intérêt à préparer un peu son travail et faire vous même des démarches à lEtat civil et photocopies… Sinon pourquoi y mettrait-il de lardeur si vous nen mettez pas . Si vous préparez avec sérieux votre dossier, il saura quil ne faut pas être en dilettante avec vous, car vous vous êtes documenté, avez fixé vos prétentions et vous les justifiez.. Ayez au moins lair dun conjoint qui nest pas insupportable, sinon ne vous imaginez pas quil va faire preuve de pugnacité, ni perdre sa crédibilité vis à vis de lautre avocat, notaire etc. et sûrement vous naurez plus jamais affaire de votre vie à la justice (les divorcé(e)s ne sont que des clients de passage).

    Donc préparez vos écrits, votre présentation physique et vos prises de parole.. Egalement donnez envie dêtre aidé(e).. Pour cela ayez au moins lair sympathique (mais pas imbécile) si vous voulez donner envie aux autres de mieux vendre vos prétentions.

    Le coût (normal) dun divorce à l’amiable sans juge ?

    Pour un « divorce à l’amiable sans juge » vous avez des prix « low cost » sur Internet par des avocats qui font de la publicité sur Google via le mot Divorce. A partir de 250 à 500 EUR par conjoint, mais attention cest « à partir de » et il nest pas rare davoir 1100 EUR + TVA pour pas denfant, pas de bien, pas de prestation compensatoire. Mais pour 1500 EUR vous avez à Paris 2 Avocats qui en plus de les voir, vous avez droit à 2 consultations de une heure. Ils ont aussi des adresses de confrères pour le conjoint qui ne viendront pas faire de la sur enchère, ni zizanie pour déclencher des bagarres dont le seul but est de faire consommer des heures inutiles (pratiques courantes avec certains avocats).

    Si vous cherchez un Avocat ayant un bon rapport qualité/prix pour classe moyenne cliquez sur :

    Ils ont des prix imbattables, car ils nont pas de locaux, ne reçoivent pas, font de la série. Comme pour les voyages low cost en avion, vous n’aurez jamais d’explications ni de conseils et vous ne rencontrerez jamais l’avocat sauf le jour de la signature de la convention (avec dautres de ses clients, parfois 5 à 10 couples). Attention aussi aux arnaques, aux suppléments et délais. Dernièrement avec un de ces sites, un client qui sétonnait de ne pas être encore convoqué pour signer, il lui fut répondu que cela se ferait lorsque lavocat aurait 10 dossiers dans cette ville. Bien entendu après que le client ait payé en avance la presque totalité depuis 5 mois. Avec le « low cost » cest la valse des suppléments et mauvaises surprises comme pour les voyages en avion.

    A linverse il y a des Avocats qui nhésitent pas à facturer des 3500, voire 5000 EUR par conjoint, pour un travail copier/coller où il nest modifié que les noms et les montants de pensions par la stagiaire, voire le secrétariat…

    La précaution est pour une classe moyenne 1500 à 2500 EUR + TVA si pas de prestation compensatoire. Si avec prestation compensatoire, prévoir 5 à 7 % du montant de la prestation compensatoire (les agences immobilières, cest 5 à 7 % du prix de votre domicile).

    Si vous désirez effectuer votre divorce à lamiable via un avocat avec lequel vous aurez des consultations, avis, conseils (nous l’espérons), il faudra prévoir :

    En réalité dans le divorce « sans Juge », un des avocats effectue la partie administrative : rédaction de la convention, courriers avec AR, fournit la salle pour les signatures, effectue les formalités pour enregistrement chez un Notaire et mairies, etc. L’autre avocat n’a plus qu’à vérifier et signer. Ainsi l’un des avocats peut consommer beaucoup plus d’heures que son confrère, surtout si son client est tatillon, indécis, versatile ou bavard. Certains ont tous ces défauts à la fois. D’où l’intérêt avant de recruter vos avocats de pré-remplir avec votre conjoint le modèle de convention de divorce, car la médiation via vos avocats peut coûter très cher (au moins 200 EUR /heure + TVA chacun).

    Certes, sur Internet, il existe des formules « dès » 250 EUR par conjoint + TVA + taxes, mais avec prestations minimales (car petit prix -> prestations mini). Cest-à-dire : sur un imprimé standard, seront personnalisés (seulement) les noms, adresses, montants de pension des enfants et de prestation compensatoire et quel conjoint conserve le domicile s’il est en location (en cas d’immobilier par un Notaire obligatoire, il y aura un gros supplément). Toutes options (65 sont possibles), ajouts, modifications etc. sont en supplément… Sont à fournir par vous : les fiches intégrales d’état civil, la déclaration sur l’honneur de vos revenus et patrimoines (art. 272 C. Civil), un descriptif sommaire du partage du patrimoine (art. 1115 C Procédure Civile), une copie du livret de famille, des cartes identité, des cartes sécu, etc. …. Il n’y a pas de contact client verbal, tout se fait par Internet, sans explications (sauf payantes entre 3,50 et 4,50 EUR la minute par téléphone)… Vous rencontrerez vos 2 avocats de leur réseau uniquement au moment de signer la convention de divorce. Vous êtes souvent une dizaine de couples le jour de la signature. Le paiement se fait par Internet en 1 ou 2 fois. C’est du standardisé en grande série !

    Mais certains clients préfèrent « payer plus …. pour plus de services, plus de conseils et meilleure qualité », pour avoir une relation visuelle (et humaine) avec l’avocat (autrement que par mails). Cest-à-dire : un 1 er entretien pour cerner les personnalisations souhaitables selon votre cas et les grands points : montants usuels de pensions et de prestation compensatoire, type de garde des enfants, droits de visite et hébergement, leurs pensions, la prestation compensatoire, le partage des actifs et passifs, etc. Pour un travail correct, comptez au minimum 7 heures par avocat, pour un divorce sans bien immobilier et sans divergence autour des enfants ou montants de prestation compensatoire, mais 15 heures si vous voulez avoir des explications etc. et beaucoup plus pour une personnalisation élaborée si chicaneries de votre Ex. qui fait de la surenchère et fait traîner les choses pour vous faire craquer (prévoir alors 25 heures et plus). Les formalités sont faites par l’avocat pour obtenir les fiches d’état civil auprès des mairies, il vous aidera pour la réalisation de la déclaration sur l’honneur des revenus et patrimoines personnels (art. 272 C. Civil) et de l’inventaire du patrimoine.

    Les coûts horaires : 150 à + de 250 EUR/heure (parfois 400 EUR) + TVA, dépendent de l’avocat (standing, âge, compétences spéciales en divorce, palmarès, etc.) qui aura préparé votre convention et doit vous assister. Pour votre cas, vous n’avez peut-être pas besoin d’un « Relais et châteaux », mais d’un bon qui saura être un médiateur efficace. Attention, dans les grands cabinets ce sont souvent des débutants qui font l’essentiel du travail (au tarif du patron).

    * CONCLUSION… Donc attention si vous ou votre conjoint attendez d’un avocat qu’il vous mette d’accord. Le compteur tourne vite. Vous constatez qu’on peut faire (très) simple, mais aussi élaboré. Un avocaillon est suffisant pour des cas simples, mais si élaborés, celui qui a plaidé plus de 200 procès d’après-divorce est préférable. Vous pouvez facilement obtenir un forfait à la condition que vos accords soient définitifs, tout comme les limites de la prestation … D’où la nécessité de ne venir chez un Avocat qu’après avoir personnalisé votre modèle de convention de divorce amiable avec votre conjoint + le formulaire de chaque enfant quil ne désire pas être entendu par un juge.

    Vous aurez la précaution de vous procurer notre guide « divorce Amiable » à 28 euros : Accéder à la boutique


    Inicio, Dirección de Finanzas, finanzas jalisco.

    #Finanzas #jalisco


    Dirección de Finanzas

    Finanzas jalisco

    Finanzas jalisco

    Finanzas jalisco

    Inicio

    Comunicados

    Enlaces rapidos laterales

    Finanzas jalisco

    Finanzas jalisco

    Finanzas jalisco

    Enlaces rapidos

    Finanzas jalisco

    Finanzas jalisco

    Enlaces rapidos inferiores

    Finanzas jalisco

    Finanzas jalisco

    Finanzas jalisco

    Finanzas jalisco

    UNIVERSIDAD DE GUADALAJARA

    DIRECCIÓN DE FINANZAS

    Av. Juárez N° 976, Edificio de la Rectoría General, Piso 1, Col. Centro, C.P. 44100, Guadalajara, Jalisco, México.

    Teléfono: +52 (33) 3134 2288.

    Derechos reservados ©1997 – 2018. Universidad de Guadalajara. Sitio desarrollado por CGTI | Créditos de sitio | Política de privacidad y manejo de datos


    Accueil – BRM Avocats, avocat qualité.

    #Avocat #qualité


    Avocat qualité

    Les 23 et 24 janvier 2018 à Lille Grand Palais, BRM sera présent sur le Forum International de la Cybersécurité pour échanger Data Privacy, Compliance GDPR/RGPD et Propriété intellectuelle.

    Martine RICOUART-MAILLET animera par ailleurs l’atelier CLOUD COMPUTING : CE QUI VA CHANGER AVEC LE RGPD (23 janvier 11:30 13:00)

    Pour plus d’informations, cliquez ici

    BRM à l’Université des CIL de l’AFCDP le 24 janvier 2018 à Paris

    Le 24 janvier 2018 à Paris, BRM participe à l’Université des CIL de l’AFCDP pour échanger Data Privacy, Compliance GDPR/RGPD.

    Martine RICOUART-MAILLET interviewera par ailleurs Monsieur Thomas ANDRIEU, Directeur des affaires civiles et du sceau, Ministère de la Justice

    Pour plus d’informations, cliquez ici

    Petit déjeuner RGPD chez LEMON INTERACTIVE – 19 avril 2018

    Pour vous inscrire : https://www.weezevent.com/rgpd-toutes-les-reponses-a-vos-questions

    Les actualités.

    BRM Avocats intègre TGS France Avocats

    BRM Avocats intègre TGS France Avocats https://www.tgs-avocats.fr/presses/tgs-france-avocats-confirme-son-developpement-lechelle-nationale-et-sinstalle-lille

    Données personnelles, Informatique et TIC

    18 janvier 2018

    BRM recrute un Juriste ou un Avocat en Data Protection (H/F)

    Localisation Cabinet LILLE et PARIS BRM AVOCATS filiale de TGS FRANCE Temps et nature du contrat Collaboration ou CDI temps plein – A pourvoir dès que possible. Mission BRM Avocats, expert en PI, TIC, conformité et protection des données, a intégré fin 2017 le cabinet TGS France Avocats, Groupe SOREGOR. BRM justifie d’une […]

    12 septembre 2017

    Traitement des données de carte de paiement pour la vente ou la fourniture de services à distance : nouvelle recommandation CNIL

    La délibération CNIL n° 2017-222 du 20 juillet 2017 porte adoption dune nouvelle recommandation concernant le traitement des données relatives à la carte de paiement en matière de vente de biens ou de fourniture de services à distance.

    L’application de la Loi Sapin à la publicité en ligne à partir de 2018

    Le marché de la publicité digitale ne cesse de croître, il est devenu en 2016 le 1er média investi, dépassant ainsi la télévision. Les chiffres au niveau national donnent le tournis, en effet ce marché a engendré un chiffre d’affaires qui a atteint 3,453 milliards d’euros l’année passée[1]. Une réglementation du domaine est apparue essentielle […]

    Un employeur peut-il utiliser un mail d’un salarié comme preuve aux Prud’hommes ?

    Pour l’exercice de leur activité professionnelle, les salariés ont à leur disposition un ordinateur, bien souvent connecté à internet et doté d’un système de messagerie électronique. Certains salariés peuvent utiliser la messagerie à l’insu des règles posées par l’employeur qui leur reproche alors une utilisation litigieuse pouvant aboutir sur une sanction disciplinaire ou une procédure […]

    RGPD: Faut-il stresser comme le suggèrent beaucoup d’organismes ?

    Le constat est clair : les organismes qui seront prêts en Mai 2018 ne sont pas forcément ceux qui auront consacré le plus de ressources financières mais ceux qui auront su en premier lieu disposer dun go très fort de leur Direction Générale soutenu par une équipe conformité motivée et qui sait jouer les sponsors.

    Les domaines d’expertise.

    Données Personnelles

    Reconnu par la CNIL pour la qualité de ses prestations et son expertise, BRM avocats fait partie des rares cabinets à s’être vu décerné les labels Audit et Formations. Le cabinet vous accompagne également dans l’accomplissement de vos formalités (déclaration ou autorisation CNIL) et propose des prestations de CIL externalisé. En cas de litige, notre équipe vous défend devant la formation contentieuse de la CNIL.

    Informatique et TIC

    Big Data, objets connectés, robotique, impression 3 D, serious game, BRM AVOCATS est résolument tourné vers l’innovation. Notre équipe vous apporte son expertise pour élaborer un encadrement juridique adapté à vos projets et une défense efficace de vos acquis. Notre équipe vous accompagne dans la négociation et la rédaction de tous contrats informatiques tels que […]

    Marque

    Fort de son expérience et de sa renommée, notre cabinet est spécialisé en gestion et en valorisation des marques. Notre équipe propose des prestations de gestion de portefeuille de marques et de sécurisation de l’ensemble de vos actifs immatériels, tels que des audits propriété intellectuelle indispensables en cas de levée de fonds ou de cession de votre entreprise.


    BEC – Gestor del Mercado de Gas Natural en Colombia, mercado de acciones.

    #Mercado #de #acciones


    Noticias del Gestor

    Conozca la regulación vigente, eventos, fechas importantes y documentos del Gestor de Gas Natural

    Mercado de acciones

    Conozca más detalles sobre las nuevas funcionalidades del Sistema Electrónico de Gas, SEGAS

    Mercado de acciones

    Conozca los puntos de entrega para los cuales hay oferta de suministro de gas para la Subasta de Contratos Firmes Bimestrales

    Mercado de acciones

    Conozca los detalles del Informe Mensual de Gas Natural Diciembre de 2017

    Mercado de acciones

    Próxima Subasta de Suministro con Interrupciones: 30 de enero de 2018

    Próxima Subasta de Contratos Firmes Bimestrales: 18 de enero de 2018

    Resultados del Mercado

    Comportamiento Transaccional del Mercado

    En esta gráfica se puede visualizar el comportamiento del mercado en términos de precios (expresados en USD/MBTU), negociados según la modalidad contractual para cada uno de los mercados.

    Noticias del Sector

    Mercado de acciones

    Fecha: diciembre 15 de 2017

    Mercado de acciones

    Fecha: noviembre 17 de 2017

    Mercado de acciones

    Fecha: noviembre 20 de 2017

    Mercado de acciones

    Fecha: noviembre 15 de 2017

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    Mapa Interactivo del Mercado

    Conozca con ayuda de nuestro Mapa Interactivo, el funcionamiento del Mercado de Gas Natural en Colombia.

    Ubique con facilidad campos de producción, centrales térmicas, estaciones compresoras y el sistema nacional de transporte de gas.

    Mercado de acciones

    Normatividad

    Documentos de registro ante el Gestor, archivos de ayuda y regulación vigente.

    Documentos de ayuda definidos por el Gestor del Mercado de Gas Natural para el registro de los participantes, contratos marco y resoluciones.

    Mercado de acciones

    Sitios de Interés

    Trabajamos cerca de empresas públicas y privadas para garantizar el desarrollo del mercado de gas en Colombia. Conócelas.

    Mercado de acciones

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    Conozca la información relacionada con los participantes y su rol dentro del mercado mayorista de Gas Natural en Colombia, tales como Productores-Comercializadores, Comercializadores, Comercializadores de Gas Importado, Transportadores, Generadores Térmicos y Usuarios no Regulados. Regístrese como participante.


    Ricette: pasta, dolci, siti di cucina.

    #Siti #di #cucina


    Le migliori ricette: ingredienti, tempi di preparazione e foto descrittive!

    A cura di Wilma Zanelli, Aquolinae Scuola di cucina di Pollein. .

    Le ciambelle dolci di patate sono una sofficissima ghiottoneria fritta particolarmente consumata a Napoli nel periodo di .

    Ecco una frittata dietetica, infatti necessita di pochissimo olio poichè la sua cottura in forno non lo richiede. .

    Questa ricetta mette insieme la delicatezza del pesce con i sapori della cucina mediterranea. .

    Per fare il gelato alla fragola ho utilizzato la mia gelatiera a basso costo. Semplicissima e composta di sole due parti .

    A cura di Wilma Zanelli, Aquolinae Scuola di cucina di Pollein. .

    Preparare il ripieno dei cappellacci risulta essere il lavoro più lungo di tutta la preparazione. Vi conviene cuc .

    Le ciambelle dolci di patate sono una sofficissima ghiottoneria fritta particolarmente consumata a Napoli nel periodo di .

    Fatti i sugoli neri, non potevo non provare i sugoli bianchi. questa volta utilizzando il bimby, robot da cucina dalle .

    Di Laura Margheritino – I fusilli con pomodorini, ricotta e speck rappresentano un primo piatto di un piatto davvero .


    Car Insurance & Auto Insurance from Nationwide, online auto insurance rates.

    #Online #auto #insurance #rates


    6 reasons to choose Nationwide for car insurance

    Online auto insurance rates

    On Your Side ® Claims Service

    After an accident, you want things to get back to normal fast. File your car insurance claim and choose a repair shop in our network to get a written guarantee for as long as you own your vehicle.

    Online auto insurance rates

    Discounts on car insurance rates

    We offer many ways to lower your auto insurance rates, including good student and multi-policy discounts.

    Online auto insurance rates

    See what members are saying about Nationwide

    Want to know how we handle claims? Find out online from our auto insurance members. Learn why they would recommend us to friends and family and then get an online auto insurance quote today.

    Online auto insurance rates

    Vanishing Deductible ®

    As you shop for online car insurance, keep in mind that we want to reward safe drivers. Our exclusive program reduces your car insurance deductible $100 for every year of safe driving.

    Online auto insurance rates

    On Your Side ® Review

    Make sure your vehicle insurance keeps up with your life. A Nationwide insurance agent can help you get the coverage you need and the discounts you deserve to lower your car insurance rates.

    Online auto insurance rates

    Member resources

    As a member, you can update your account quickly and easily when and where you want, get answers to your questions, catch up on what we’re doing today and see what it means to be a member.

    If you own a classic, antique, vintage or other collector vehicle, you may need classic car insurance. Learn more about Nationwide classic car coverage, which we offer in partnership with Hagerty.

    Online auto insurance rates

    Vehicle Safety Tips

    Learn how to protect yourself and passengers with safe driving tips and auto insurance basics.

    Online auto insurance rates

    Driving Tips for Teens and Parents

    Find out how to keep costs – and stress levels – down with your teen driver.

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

    Bundle and Save on Your Insurance

    Combine auto, home and life to save time and money.

  • Discover the Benefits of Online Access

    Pay a bill, print an ID card, view policy details, manage your policy and so much more.

  • Teen Driver?

    Find out how to keep costs − and stress levels − down.

  • Homeowners Insurance

    The coverage you need to protect your property – and yourself.

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    Find out why so many riders are switching to Nationwide.

  • Vanishing Deductible ®

    Get $100 off your auto insurance deductible for every year of safe driving.

  • What’s Your Sign?

    Learn what your road sign horoscope says about you.

  • Auto Insurance by State

    Get the right coverage for your area.

  • Low Auto Loan Rates

    Pay less on what you borrow with Nationwide Bank.

  • Nationwide Mobile App

    Our accident toolkit can make filing a claim even easier.

  • Pet Insurance

    Nose to tail coverage is more affordable than you think.

  • Online auto insurance rates

    For Sports, Camps and Events

    Protect your participants with accident medical insurance.

  • Start a Claim

    Talk to an agent or make your claim online.

  • Long-term Care Concerns?

    Find out how life insurance may be able to help.

  • Watch Our Ads

    Check out the latest Nationwide television commercials.

  • Safety First

    Prepare your house and your family for bad weather.

  • Online auto insurance rates

    Now From Nationwide Blog

    Basic how-tos, articles and more on what matters most.

  • Test Your Knowledge

    See how well you really understand insurance.

  • Multiflex SM Dental Insurance

    Get affordable and flexible coverage that gives you the freedom to choose any dentist.

    Share Article

    • Vehicle Insurance
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    • Scooter Insurance
    • RV Insurance
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    • Condo Insurance
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    • Brand New Belongings ®
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    • Variable Universal Life Insurance
    • Specialty Insurance
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    Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2018 Nationwide Mutual Insurance Company.


  • Cómo saber si tengo multas o infracciones de tránsito por pagar, como saber si tengo alguna deuda.

    #Como #saber #si #tengo #alguna #deuda


    ¿Cómo saber si tengo multas o infracciones de tránsito por pagar?

    Your ad here was suppressed by

    Como saber si tengo alguna deuda1- ¿Cómo saber si tengo infracciones de tránsito pendientes?

    Puede consultar AQUÍ ingresando el número de su DNI o el dominio/patente del vehículo. La búsqueda es sólo por una de estas opciones.

    2- ¿Cuándo consultar por DNI? ¿cuándo por N° de Dominio?

    Se debe consultar por DNI cuando se necesita el libre deuda de infracciones para la renovación del registro de conductor.

    Se debe consultar por dominio cuando se necesita la constancia de infracciones para la compra y venta, baja de dominio o gestiones relativas al seguro del vehículo.

    Sí. Sólo para las infracciones que admiten Pago Voluntario. Una vez realizada la consulta seleccionar las actas a pagar y, a pie de página, presionar “Imprimir boleta pago”.

    Con la boleta impresa es posible abonar a través del Banco Ciudad y en las sucursales de Pago Fácil, RapiPago o BaproPagos.

    Los pagos realizados por esta modalidad se acreditarán a las 96 hs. de haberse realizado. Siendo la acreditación de los mismos condición necesaria para tramitar el certificado de libre deuda.

    4- ¿Qué se debe hacer si figuran infracciones del anterior dueño del vehículo?

    Debe realizarse el trámite de actualización del padrón automotor en la delegación de la DAI (Dirección General de Administración de Infracciones) más cercana a su domicilio o en Carlos Pellegrini 211. Si se dirige a una delegación de un CGP o si no tiene Denuncia de Venta debe presentar Historial de Dominio o Informe de Dominio que otorga el RNPA. En caso de tener la Denuncia de Venta sólo puede realizar el trámite en Carlos Pellegrini 211.

    5- ¿Cómo reclamar si se cuestiona la validez de una infracción?

    Debe efectuar una gestión ante la Delegación de la DAI en Carlos Pellegrini 211 1° piso de 8 a 13 y de 14 a 18 hs.

    6- ¿Qué trámite debo hacer si no estoy recibiendo las multas en mi domicilio?

    Your ad here was suppressed by

    Efectuar el cambio de domicilio postal en una delegación de la DAI. Para realizar esta gestión es necesario presentarse con DNI (original y fotocopia de primera página y de la que figure el domicilio actual) y cédula verde o título de propiedad del vehículo (original y fotocopia).

    7- ¿Qué plazo existe para efectuar el pago voluntario?

    Hasta la fecha de vencimiento que figura en la citación se puede pagar voluntariamente con descuento, o presentarse ante un controlador si se considera que la infracción fue mal labrada o no fue cometida.

    8- ¿Cuándo no se puede efectuar el pago voluntario?

    El titular del vehículo debe concurrir a la DAI, Carlos Pellegrini 211, para presentarse ante el controlador asignado. El controlador es quien decide si corresponde pagar la infracción o debe ser desestimada.


    How Much Term – Whole Life Insurance Cost, Get Quotes Online, Quotacy, how much term life insurance.

    #How #much #term #life #insurance


    How Much Does Life Insurance Cost?

    How much term life insurance

    There are several types of life insurance available the main ones being term life, whole life, and universal life insurance. The costs of each vary depending upon the individual, the product, and the amount of coverage you choose.

    Everyone’s situation is unique so a policy that works for some may not be the best choice for another. Two people with the same type of policy may also pay different rates depending upon the individual’s age, health, and lifestyle.

    Let s dig into how much life insurance costs.

    5 Factors that Affect Life Insurance Costs

    1. Age – The younger you are, the cheaper life insurance is because you most likely won’t be dying soon. If you are 70 years old and looking to get life insurance, the insurance carriers see that as a high risk so you pay more.
    2. Health – Your height and weight, and smoking status, as well as chronic conditions such as diabetes, cancer, heart disease, and asthma all affect the cost.
    3. Gender – Women statistically live longer which means they would be paying premiums longer so life insurance costs tend to be cheaper.
    4. Family History – Your health could be clean as a whistle, but if your entire immediate family was diagnosed with heart disease at age 50 then you most likely will be paying more. The insurance carrier considers the risk that you too may develop heart disease.
    5. Hobbies – Scuba diving, skydiving, private aviation, world travel, any recreational activities that could be considered risky affect life insurance costs.

    Whole Life Insurance Cost

    Whole life is a permanent insurance product designed to provide coverage for your entire lifetime. Over time, a cash value balance is created within the policy. Because of cash value and the lifetime coverage, whole life insurance has higher premiums.

    A portion of your premium payment goes to pay for the actual life insurance coverage which is an amount equal to the face value of the policy. The remains are put in a high-interest conservative account. The cash value builds from investments made by the insurance company.

    You have the option to borrow or withdraw your cash value at any time.

    • Borrowing If you borrow from it, the insurance carrier treats it as a policy loan and you pay interest until it is repaid. If you die before it is repaid, the carrier will reduce the death benefit your beneficiaries receive by that unpaid amount.
    • Withdrawing If you withdraw from it, you will owe income taxes if the amount you withdraw is more than what you have paid in premium payments. Otherwise it’s tax-free.

    It is important to note that when you die your beneficiaries only receive the face amount. If there is a cash value balance it is not added to the death benefit.

    Someone buys a $100,000 whole-life policy and dies with the cash value at $40,000. The insurance carrier pays the beneficiary $100,000 not $140,000.

    1. Single premium payment
    2. Premiums payable to 100 years
    3. Premiums payable for a limited number of years

    Single Premium Payment – you make a one-time payment.

    You’re 30 years old and pay $17,239 upfront for $100,000 of coverage, in addition to the cash value that can be accessed during your lifetime.

    Premiums Payable to 100 Years – you pay a fixed monthly or annual payment to age 100.

    You’re 30 years old and pay $80 a month or $900 annually for $100,000 of coverage until you die. Cash-value accumulates as well and can be accessed during your lifetime.

    Limited Pay – premiums made for 10, 15, or 20 years to pay off the policy.

    You’re 30 years old and want to pay off the policy in 15 years. You pay $113 monthly or $1300 annually for 15 years for $100,000 in coverage and never pay a premium again. Cash value still accumulates and can be accessed during your lifetime.

    Universal Life Insurance Cost

    Universal life (UL) insurance is one of the most versatile types of permanent life insurance. It has a high degree of flexibility and an “unbundled” nature by its separate expense, protection, and cash value elements.

    • Premiums Instead of being locked into a fixed premium schedule for life, you can potentially pay any amount between the required plan “minimum” to the IRS-imposed “maximum”, depending on your cash flow needs and accumulation goals. Premiums may be increased, decreased, or even skipped depending on policy conditions.
    • Death Benefit – You can adjust the amount your beneficiaries receive upon your death within plan limits without having to buy a new, separate policy. This can reduce costs and simplify the process.

    The premiums you pay each month go into a metaphorical bucket. Each month the insurance carrier takes out the administrative fees and the cost of insurance. The funds that are leftover earn interest. The amount of interest earned depends on the rate declared by the insurance carrier and how much money is currently in the bucket. The rate will never fall below a contractually guaranteed minimum. The cash value you accumulate can be accessed at any time through policy loans or surrenders.

    • Policy loan – This enables you to “borrow” money from your policy using the value as a form of collateral. These loans do accrue interest and if not paid off while you’re alive, the unpaid amount is deducted from the death claim benefits.
    • Full surrender – If you decide to fully surrender your policy, you are terminating all coverage and typically you receive any accumulated policy value, less a surrender charge and (if applicable) any accrued loan interest.
    • Partial surrender – This occurs if you decide to permanently withdraw a portion of your policy’s cash value, but keep some or all coverage inforce. There is no interest charged for a partial surrender, but there is a flat fee.

    With UL policies, you typically have two coverage options.

    • Option A – Your amount of life insurance coverage (the death benefit your beneficiaries receive) stays level and as the cash value accumulates, the amount of life insurance you pay for decreases.
    • Option B – The cash value is added to the initial amount of life insurance, extending your coverage as the cash balance grows.

    You choose the amount of protection best for your situation. As a policyowner, you have more flexibility with a UL permanent product than whole life, but you also assume additional risk. UL policies typically have fewer guarantees than whole life coverage, so you must be careful to manage your premium payments and any distributions taken to ensure your policy stays inforce.

    While a UL insurance policy is less expensive than whole life, it is still not the cheapest form of life insurance.

    Term Life Insurance Cost

    Term insurance is typically the most affordable option due to its temporary nature, and by far the most commonly owned life insurance product. There is no cash value inside a term insurance policy but the insurance company guarantees they will not increase the price you pay during this level term period (10, 15, 20, 25, or 30 years) to protect your loved ones.

    John Doe can buy a $500,000 20-year level term insurance policy at $40 per month.

    If he dies unexpectedly any time within those 20 years, his beneficiaries will receive $500,000. If he died in the 10th year, he would have paid $4800 in premiums with his loved ones receiving $500,000.

    If you should die within the term, the entire coverage amount goes to your beneficiaries. When your term ends, coverage at the previous price is no longer guaranteed. You must either forgo coverage, convert to a permanent policy if available, or potentially obtain a new policy with a different price by going through the underwriting process again.

    Term insurance is typically the most affordable option due to its temporary nature, and by far the most commonly owned life insurance product.


    Vendo Casa Mare Catania – 143 case in vendita in Catania de, casa mare vendita.

    #Casa #mare #vendita


    143 case in vendita in Catania

    Villa in Vendita a Catania CT

    • 4 stanze

    Villa in Vendita a Catania CT

    . 3072#####- PROPONIAMO IN VENDITA, IN VIA DORATA A VACCARIZZO, UNA VILLA SINGOLA TOTALMENTE RISTRUTTURATA, CON UNA SUPERFICIE INTERNA DI 100 MQ. L IMMOBILE SI TROVA A 200 M DAL MARE COSI COMPOSTO.

    Villa in Vendita a Catania CT

    • 4 stanze
    • 100 m²
    • 600 EUR/m²

    Villa in Vendita a Catania CT

    . Allinterno di un residence (Villaggio Azzurro), precisamente nei pressi di San Giuseppe la rena, tra il panorama del mare e delloasi circostante, a pochi minuti dal centro commerciale porte di cata.

    Villa in vendita a Catania Rif.2957296

    • 7 stanze
    • 4 bagni
    • 300 m²
    • 3.166 EUR/m²
    • posto auto
    • privati
    • cucina

    Villa in vendita a Catania Rif.2957296

    . ipendente di 300 mq, recente costruzione. La casa è posta al centro di vari spazi verd. u un terrazzo privato di 50 mq con vista mare. Zona taverna di 70 mq e garage di 5. o contattare agenzia Mediocasa affiliato Catania ai numeri 0958##### e. Ricerche correlate a: casa centro catania

    aggiornato 8 giorni fa Maggiori dettagli

    Villa in vendita a Catania Rif.2423537

    • 11 stanze
    • 4 bagni
    • 600 m²
    • 1.833 EUR/m²
    • aria condizionata
    • vasca
    • ascensore

    Villa in vendita a Catania Rif.2423537

    . mare, bagno, lavanderia, cucina di 30 mq circa, camera da letto, Secondo piano, ingresso su corridoio, camera da letto con terrazza vista mare, altra stanza da letto con terrazza sempre con vista mare, bagno con vasca e terrazzo, altro bagno con docc. Ricerche correlate a: terreno catania

    aggiornato 10 giorni fa Maggiori dettagli

    Villa in vendita a Catania Rif.2654301

    • 4 stanze
    • 2 bagni
    • 120 m²
    • 833 EUR/m²
    • terrazza
    • giardino

    Villa in vendita a Catania Rif.2654301

    . Catania,esattamente nella zona della zona della playa,precisamente nel villaggio campo di mare.Proponiamo in vendita una villetta bifamiliare.Due appartamenti di circa 60 mqIl piano terra è composto da:ingresso su salone cucina,camera da letto, bagno.

    aggiornato 10 giorni fa Maggiori dettagli

    Villa a schiera in vendita a Catania Rif.1687257

    • 4 stanze
    • 1 bagni
    • 180 m²
    • 333 EUR/m²
    • ripostiglio
    • cucina

    Villa a schiera in vendita a Catania Rif.1687257

    . mare e delloasi circostante, a pochi minuti dal centro commerciale porte di catania, proponiamo una bellissima villa a schiera, a 600 m dal mare e dietro ad essa un oasi che non finisce mai, ideale per una famiglia che vuole trascorrere lestate allin.

    aggiornato 10 giorni fa Maggiori dettagli

    Casa indipendente in vendita a Catania Rif.2744618

    • 4 stanze
    • 2 bagni
    • 90 m²
    • 888 EUR/m²
    • cucina

    Casa indipendente in vendita a Catania Rif.2744618

    . mare Al piano rialzato troviamo due ampi ambienti, cucina bagno e terrazzino Al piano di sopra due ambienti cucinotto e bagno più un piccolo terrazzino con affaccio interno (dove è stata realizzata una lavanderia esterna)Limmobile è un ante 1942 Si p.

    aggiornato 10 giorni fa Maggiori dettagli

    Casa Bi/Trifamiliare in VENDITA Catania CT

    • 160 m²
    • 1.250 EUR/m²
    • cucina

    Casa Bi/Trifamiliare in VENDITA Catania CT

    . Soluzione Casa propone in Vendita Curatissima villa sita in Gabbiano Azzurro, Vaccarizo, Catania.L’immobile è su due elevazioni ed. rata pedonale. Cancelletto che conduce a mare il quale dista solo 100 mt dalla cas.

    aggiornato più di un mese fa Maggiori dettagli

    Catania Villa in vendita 4 Locali 60.000 EUR T482

    • 3 stanze
    • 100 m²
    • 600 EUR/m²

    Catania Villa in vendita 4 Locali 60.000 EUR T482

    Catania – catania, Catania Mappa

    . linterno di un residence (Villaggio Azzurro), precisamente nei pressi di San Giuseppe la rena, tra il panorama del mare e delloasi circostante, a pochi minuti dal centro commerciale porte di catania, proponiamo una bellissima villa a schiera, a 600 m.

    aggiornato 11 giorni fa Maggiori dettagli

    Casa indipendente in residence vicino il mare 017 18

    • 1 stanze
    • 320 m²
    • 906 EUR/m²
    • terrazza

    Casa indipendente in residence vicino il mare 017 18

    . CATANIA, VACCARIZZO: Buy in Sicily – Real Estate propone in esclusiva la vendita di una casa indipendente in residence, divisa in 4 unit abitative e interamente ristrutturata, a soli 500 metri dal mare di Vaccarizzo. Limmobile di 320 mq circa, si com.

    aggiornato più di un mese fa Maggiori dettagli

    Villa in VENDITA Catania CT

    • 4 stanze
    • 100 m²
    • 1.500 EUR/m²
    • giardino

    Villa in VENDITA Catania CT

    . mare e di uneccezionale luminosità. Il prezzo indicato non è comprensivo dei lavori di ristrutturazione proposti (il progetto è consultabile presso i nostri uffici) Per info contattare 0952##### CLASSE ENERGETICA: Non indicataINDICE PRE.

    aggiornato più di un mese fa Maggiori dettagli

    Villa a schiera in vendita a Catania Rif.1687257

    • 180 m²
    • 333 EUR/m²
    • ripostiglio
    • cucina

    Villa a schiera in vendita a Catania Rif.1687257

    . mare e delloasi circostante, a pochi minuti dal centro commerciale porte di catania, proponiamo una bellissima villa a schiera, a 600 m dal mare e dietro ad essa un oasi che non finisce mai, ideale per una famiglia che vuole trascorrere lestate allin.

    aggiornato 4 giorni fa Maggiori dettagli

    SEMINDIPENDENTE CON SPAZIO ESTERNO, PRESSI INDIPENDENZA

    • 3 stanze
    • 75 m²
    • 1.000 EUR/m²
    • balcone
    • cucina

    SEMINDIPENDENTE CON SPAZIO ESTERNO, PRESSI INDIPENDENZA

    Catania – catania, Catania e provincia

    . Catania, nella servitissima zona del Corso Indipendenza/ Piazza Risorgimento, proponiamo in vendita un interessante semindipen. ipostiglio, balcone (da cui è possibile scorgere la vista del mare) in parte verandato, cortile esterno con piccola zona da .

    aggiornato più di un mese fa Maggiori dettagli


    Best Car Insurance Companies: Page 2 – Top Ten List, top auto insurance companies.

    #Top #auto #insurance #companies


    Best Car Insurance Companies

    Very friendly, personal, and informative staff. I enjoyed the choices that were given to me and how my coverages suited my needs and budget. I am a non-standard customer and my rate compared to the other non-standard insurance companies was lower & I received better customer service.

    Extraordinary customer service through and through! This is one of the few places that I’ve shopped where I really felt like the agents listened to me and understood my needs. My only regret is not checking them out sooner.

    Farm Bureau has paid every claim we have had fairly and quickly. I hydroplaned after a tire blew out and my Honda flew over an deep embankment and landed upright but the damage was significant. Again, I was easing out of a parking place at a restaurant when a large pickup blew through the lot and couldn’t stop. My car was a total loss and Farm Bureau gave me what seemed to be more than they needed to based on my research of my car’s worth. A third time, I bumped someone at a right turn stop sign and they took care of the dent on the other car, no questions asked. If I were them, I would refer me to another company, but they continue to offer great service at an very fair price and have just insured our new condo at an excellent rate..

    Paid every claim we had with no problems. We were involved in agriculture and had several accidents. One involved one of our trucks hitting a gasoline carrier. Brakes on our truck went out on a crossroad and tore open the gas truck. Closed main highway for about 3 hours. Farm Bureau took care or it all.

    We were rear ended by a driver with Farm Bureau insurance. My wife and I both had injuries, and Farm Bureau were compassionate and efficient in quickly making sure that we had sufficient money to pay our medical expenses.

    Have had them for 16 years, they have the best rates. great customer service and they truly care

    Working with insurance adjusters on a daily basis, I couldn’t image carrying insurance through any other company. I find Erie to be the most likely to settle claims, which makes me feel extremely well-covered when I’m on the road. I know that if something happens, and the other person doesn’t have insurance, my company will take care of me without pushing back or thinking of dropping me. I love ERIE!.

    I have had ERIE for auto and home owners for 35+ years. Having done comparisons from time to time, I have not been able to get better rates and coverage for my dollar spent. Their claims service, to me, is outstanding. They are truly Above All in Service The only draw back is that they are somewhat regional.

    Left Nationwide after 33 years for Erie. 3 Cars and 2 House policies and saved over 30%. Now that’s a big savings that no one could match for the same coverage. Nothing wrong with Nationwide, just kept increasing the price with no claims. After a lot of checking, Erie was the best choice to be found.

    Been with erie for years and let me tell you they are definitely the cheapest insurance around.

    Sucks to be the guy you hit but it’s cheap.

    ALTHO they did not give me discounts, at least they did not charge an arm and a LEG after my one accident. Mercury has been faithful and very helpful when I am a couple days late on payment. DARN ALLSTATE! They paid the other party over and over and over, even though the damage to my fender was worse, they only had a slight tap on rear end, but got FULL VALUE for their ‘destroyed’ car, and all 5 occupants got PT and chiropractic visits 3x each. I WAS ANGRY! They were not injured, and the car was repairable. But Mercury came through and gave me a good deal for the upcoming years!

    Mercury gave me a lower auto insurance quote than any of the others that I have checked that are ranked higher on this list.

    We used to have Geico. We have a clean driving record no accidents and our insurance goes up. So we changed to Elephant and love it! And it is a whole lot less with the same coverages.

    I’ve dealt with them on two homeowner claims (for my grandmother) and three auto claims (a $68k uninsured motorist claim and a broken windshield claim on my cars and my mom’s car after she hit a deer). These claims have spanned the last nine years and each one was handled with a high level of professionalism, but also with decency, kindness and compassion. They are truly an honest company that pays the claims they owe quickly and fairly. When I was injured by the uninsured motorist in 2010, the first thing my attorney said when he saw that I had A-O was you have nothing to worry about, they will take care of you.

    Actually pay claims. Even when on an older vehicle with little damage.

    The rates are much better on a Homeowners policy than I have ever had with State Farm or Grange. Great agents also.

    Very prompt in handling and paying the only claim I have had with them which was roof replacement on my ho me. H ave never had to make a claim on my auto insurance with them but presume they would handle it in the same satisfactory way. I like their discount for paying annual premiums in full. I also like the fact that they do not spend exorbitant amounts of money for misleading T.V. commercials as many other companies do.

    Been with them for over 10 years. The customer service is great, response time is excellent, and the cost of coverage is outstanding.

    Cheapest insurance and good service, too. They were there when I needed them, professional, and very efficient.

    I’ve been with Wawanesa for years and you can’t beat their prices or customer service in handling claims.

    Best price out there

    They have the lowest complaint ratio in California. They mainly market to teachers, police officers, fire fighters, and nurses. They’re also endorsed by the NEA and California Teacher’s Association. They’re a great family owned company!

    California Casualty is a great company! Association based, they work with teachers, fire fighters, policemen and nurses. They have to adhere to a higher standard when responding to claims so they don’t lose their endorsements. They are endorsed by over 1k associations nationwide. They also have the NEA endorsement. 97% claims satisfaction.

    We have worked with Calcas for over 20 years and have been completely satisfied with our rates and coverage.

    Man my insurance (Safe Auto) needs to get ranked up! – wefixbadcredit1

    Yes, I completely agree

    Nice service at a great price.

    I have been with State Farm for 35 yrs. And it’s time for a change. I rec’d my new premium and it increased $341. Encompass was less than half.

    Since they are a subsidiary of Allstate and their reviews are good, I will be going with them. State Farm has been good for me, but now in 2013, I can’t afford to be paying out all these increases for exactly the same coverage. Bye, bye SF xoxoxo

    Awesome insurance and great coverage. You will know their goodness if you ever need your car repaired. Even in a not my fault accident, PEMCO provided all the assistant needed in dealing with other person’s insurance.

    Cheap insurance. Paid above market value for my car when I totalled it. Good costumer service. Generally a great company, Though I am forced to get new insurance after getting a dui. Overall great care.

    I have insurance with this company and they have served me well. When I call or need help the Johnny Blackwell agency in Albertville, Al. is there for me and I always talk to him or his customer service representive. This means a lot to me and being ole school I appreciate this company. I don’t mind paying when I can depend on my agent. Thanks Johnny Blackwell for being there for me and my family.

    Been very happy with them!

    Can’t believe Direct wasn’t on this list. The one on White Bridge Pk in Nashville is the BEST. Great customer service!

    Worst insurance company. Never get insurance with them.

    First time getting this insurance so far it’s been good!


    Term life insurance, new york life term insurance rates.

    #New #york #life #term #insurance #rates


    Term life insurance: Protection for your big plans. (And for your littlest ones.)

    Term life insurance is the simplest way to protect loved ones now—and lock in your lowest available rates for a set period of time. As long as you keep your policy active for a set “term” (like 10, 15, or 20 years), it can replace your lost income, tax-free, in the event of your death. Plus, you can add more coverage or upgrade to a permanent policy later.*

    Yearly Convertible Term

    If you’re on a tight budget or unsure what protection you need, starting with a term policy can make sense. Later on, you can renew or upgrade.

    Level Premium Convertible Term

    If consistency appeals, take comfort with a guaranteed rate that won’t go up until your term runs out (or you convert to whole life coverage).

    Our wide range of riders, some at additional cost, offer extra benefits to help you meet your short- and long-term goals.

    You look out for loved ones every day. Term life insurance helps protect their futures, too.

    It goes without saying that you could never be replaced, but with life insurance, your loved ones wouldn’t be burdened with the financial pressure that would come with your loss. Here’s why: the proceeds of life insurance can be used to help preserve your beneficiaries’ standard of living and fulfill future goals, and generally come free from federal income tax.

    HOW DOES TERM LIFE INSURANCE WORK?

    Term life policies often start you at a lower premium for a set period of time. You choose the length of time you’d like to carry the policy, and at the end of the term, you typically have the option to easily renew or upgrade to a permanent policy.

    In this way, purchasing term life when you’re young can lock in your access to affordable life insurance for the term period—even if your health status changes. You can convert your coverage to more rewarding permanent policies, like whole life insurance, possibly at a lower price than if you’d put off purchasing until you’re older.

    Could a term policy be right for you?

    Term can be the perfect solution for those balancing high expenses with a high need for protection, for example, when you’re starting a family. Ultimately, term life is a cost-conscious solution to get the most protection you can now, while still providing you with an opportunity to convert to a permanent policy later on.

    Finally, term insurance is a great option for people who need:

    • Coverage for a well-defined period of time
    • Business protection (in the event you’d lose a key employee or business partner)
    • Extra coverage on top of other, permanent life insurance

    READ MORE

    Considering term? Consider this.

    Buying life insurance is an important decision. Here are a few important factors to keep in mind as you determine what plan is right for you:

    It’s About More than Burial Insurance

    Learn the ways that life insurance can help you leave a lasting legacy, beyond immediate needs after your death.

    It’s a Great Choice for Single Parents

    With term life, protecting your children’s security can be more affordable than you think.

    You Can Convert to Whole Life Later

    You can upgrade all or some of a convertible term policy to a permanent whole life policy and start building cash value.

    The Truth Behind the Cost of Life Insurance

    Before you buy life insurance, get the facts on why cheaper isn’t always better.


    Accueil – Ordre des avocats – Barreau Evreux, ordre des avocats de paris.

    #Ordre #des #avocats #de #paris


    Ordre des avocats de paris

    MOTION DU BARREAU DE L’EURE

    ASSEMBLEE GENERALE EXTRAORDINAIRE DU BARREAU DE L’EURE REUNIE LE 20 MARS 2018 A ADOPTE LA MOTION SUIVANTE

    • S’associe pleinement à la décision du Conseil National des Barreaux et de la Conférence des Bâtonniers et le Barreau de Paris d’appeler les Bâtonniers à suspendre toute désignation au titre de l’aide juridictionnelle et des commissions d’office, d’organiser deux journées « JUSTICE MORTE » le Mercredi 21 mars 2018, jour du dépôt de la loi du projet de programmation devant le Conseil d’Etat et le vendredi 30 mars 2018
    • Affirme son opposition au projet de loi de programmation pour la Justice dicté par une vision purement gestionnaire au mépris des droits fondamentaux
    • Refuse une déjudiciarisation et la création de véritables déserts judiciaires
    • Décide, devant le mépris affiché du gouvernement :
      • de participer aux deux journées de JUSTICE MORTE des 21 et 30 mars 2018 entrainant une suspension de toutes les désignations et audiences
      • d’entamer une grève de toutes les activités judiciaires et juridiques, à compter du 21 mars 2018 pour une durée indéterminée entrainant notamment un renvoi de toutes les audiences quelles que soient les juridictions, une suspension de toutes les désignations pénales, civiles et consultations.
    • Fixe une nouvelle assemblée générale le 26 mars 2018 à 11h30
    • Fait à Evreux, le 20 mars 2018

    PETITION

    Les avocats du Barreau de l’Eure vous informent d’un avis de tempête sur le service public de la justice.

    Les réformes annoncées par le gouvernement font peser des menaces graves et imminentes sur votre justice et vos tribunaux.

    Cette situation doit susciter des réponses simples, justes et déterminées à destination des élus.

    • Je refuse le démantèlement de mon Tribunal de Grande Instance
    • Je refuse l’éloignement de ma Cour d’appel
    • Je refuse d’être privé de mon droit de me défendre et d’agir en justice
    • Je refuse d’être éloigné de mon juge et de mon avocat
    • Je refuse de vivre dans un désert judiciaire
    • J’ai besoin de juridictions proches et facilement accessibles
    • J’ai besoin de tribunaux compétents en toute matière
    • J’ai besoin de faire respecter mes droits
    • J’ai besoin d’être écouté, entendu et jugé dans mon département
    • J’ai besoin d’une justice avec de vrais moyens et sans fausses économies
    • Je veux une justice proche, accessible et humaine.

    En conséquence, j’alerte et je signe la présente pétition.

    Merci d’ouvrir la pièce jointe, de signer cette pétition en faisant précéder votre signature de votre nom, votre prénom, lieu de résidence et profession et de la retourner à l’Ordre des avocats 3 rue de Verdun 27000 EVREUX.

    Le Barreau de l’Eure

    « Le Barreau de l’Eure comprend 142 Avocats au 1er janvier 2018, habilités à assister, représenter et défendre les parties devant toutes les juridictions nationales et internationales.

    Les Avocats du Barreau offrent toutes les compétences propres à satisfaire les besoins de tout justiciable et apportent conseils en toutes matières.

    Pour votre garantie et par obligation, les Avocats se forment en permanence à toutes les évolutions du Droit. »


    Finanza Analisi Tecnica Grafici di Borsa e Finanza Quotazione, soldi e finanza.

    #Soldi #e #finanza


    Soldi e finanza

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