EVB Nummer sofort online zur Kraftfahrzeug Zulassung, bgv versicherungen.

#Bgv #versicherungen



EVB Nummer sofort online zur Kraftfahrzeug Zulassung

EVB Nummer fГјr die Zulassungsstelle generieren

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Bgv versicherungen

Die EVB erhalten Sie sofort nach Antragsstellung von der ausgewählten Versicherungsgesellschaft online und per E-Mail.

Die eVB Nummer (elektronische VersicherungsbestГ¤tigungsnummer) – vormals auch Deckungskarte, Doppelkarte oder VersicherungsbestГ¤tigungskarte genannt – zum Nachweis der Kfz Haftpflichtversicherung fГјr die behГ¶rdliche Fahrzeugzulassung oder Ummeldung bzw. Umschreibung auf dem StraГџenverkehrsamt im zustГ¤ndigen Zulassungsbezirk erhalten Sie hier direkt online und per E-Mail, sowie auf Wunsch auch per SMS aufs Handy oder per Brief auf dem Postwege.

Mit der elektronischen Versicherungsbestätigung (EVB) wurde das bisherige Versicherungsbestätigungsverfahren mit der ausgedienten Versicherungsdoppelkarte ersetzt, so dass die Kraftfahrzeug Zulassung bei der Straßenverkehrsbehörde seit dem Jahr 2008 nur noch mit einer elektronischen Versicherungsbestätigungsnummer (EVB Nummer) durchgeführt werden kann.

Mit der EVB Nummer wird der Zulassungsstelle im Straßenverkehrsamt die gesetzlich vorgeschriebene Haftpflichtversicherung bestätigt. Die eVB Nummer ist z.B. erforderlich bei einer Neuzulassung, bei einem Besitzwechsel, einem Versicherungswechsel oder einem Halterwechsel.

EVB Nummern werden für die Zulassung von Kraftfahrzeugen mit einem amtlichen Kennzeichen, Kurzzeitkennzeichen für Überführungsfahrten (auch 5 Tageskennzeichen genannt) oder einem Saisonkennzeichen für die saisonale Zulassung von Cabrio, Motorrad oder Motorroller benötigt.

Die EVB Nummer zur Zulassung von Auto, Motorrad oder Motorroller erhalten Sie hier sofort online, es stehen eine Vielzahl von Kfz Versicherern mit verschiedenen Tarifen fГјr die Autoversicherung und Motorradversicherung zur freien Auswahl.

Zur Erstellung der EVB Nummer müssen Sie nur die tarifrelevanten Daten vom Fahrzeug und zum gewünschten Versicherungsumfang eingeben, daraufhin erfolgt die Berechnung der Kfz Versicherungen und Sie können den gewünschten Versicherer und Tarif auswählen, die Kfz Versicherung beantragen und nach dem Abschluss ihre EVB Nummer zur Fahrzeugzulassung notieren. Dieser Vorgang geht schnell, einfach und unbürokratisch. In wenigen Minuten bekommen Sie die EVB Nummer zur Zulassung ohne Wartezeiten und ohne zusätzliche Fahrtwege oder Laufereien.

Teilnehmende Kfz Versicherer am EVB Service

Auszug der teilnehmenden Kfz Versicherungen am EVB Service zur Pkw Zulassung:

ADAC (ADAC Schutzbrief- und Zurich Versicherung), Adcuri (Spezialtarif der Barmenia), AllSecur (Direktversicherer der Allianz), Alte Leipziger, AXA, AXA Easy (Versicherer der AXA), Badische Allgemeine, Barmenia, BarmeniaDirekt (Direktvertrieb der Barmenia) Bavaria Direkt (Direktversicherer der Sparkassen Finanzgruppe, OVAG – Ostdeutsche Versicherung AG), BBV (Bayerische Beamtenversicherung), BGV, Condor (Versicherer der R+V Gruppe), Confidon, Cosmos Direkt Versicherung, DA Direkt (Direktversicherer der Zurich), DBV (Deutsche Beamten Versicherung) Deutsche Allgemeine Versicherung (Direktversicherung der Zurich), DEVK Allgemeine Versicherung, die Bayerische, Direct Line (jetzt Verti), Europa (Direktversicherer der Continentale), Gothaer, Hanse Merkur Versicherungsgruppe, Hannoversche Direkt (Direktversicherer der VHV), HDI (Unter HDI wurden die Marken HDI-Gerling, HDI-Direkt und HDI24 zusammengefasst) Janitos (Versicherer der Gothaer Gruppe) KRAVAG Allgemeine (Kfz Versicherer der R+V Gruppe), nexible Versicherung (Reine Digitalversicherung der ERGO Gruppe), Г–SA (Г–ffentliche Versicherung der Sparkassen Finanzgruppe Sachsen Anhalt), R+V Allgemeine, R+V24 (R+V Direktversicherung der R+V Gruppe), Signal Iduna, Sparkassen Direktversicherung, Verti (vormals Direct Line), VHV Allgemeine, Volkswohlbund, WGV, WGV Himmelblau (Onlineversicherer der WGV Gruppe), WГјrttembergische Gemeinde-Versicherung).

Teilnehmende Versicherer am EVB Service fГјr Saisonkennzeichen

Auszug der teilnehmenden Kfz Versicherer am EVB Service fГјr Pkw Saisonzulassungen:

Adcuri, Badische Allgemeine, Barmenia, BarmeniaDirekt, BavariaDirekt, BGV, Condor, Direct Line (jetzt Verti), Gothaer, KRAVAG, R+V, Verti (vormals Direct Line), WGV.



Rechtsanwдlte KASSEROLER & PARTNER KEG, Rechtsanwalt, lawyer, lawyers, Innsbruck, Tirol, Цsterreich, Austria, rechtsanwalt finanzrecht.

#Rechtsanwalt #finanzrecht



Informationen

Rechtsanwalt finanzrecht

Rechtsanwalt finanzrecht

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Prestamo de dinero rapido, Necesito dinero urgente hoy, necesito prestamo de dinero urgente.

#Necesito #prestamo #de #dinero #urgente



Prestamo de dinero rapido

¿Necesita dinero urgente? Pedir prestamos personales de dinero rápido cuando lo necesita urgentemente es más fácil de lo que piensa. La forma más rápida de obtener dinero cuando se necesita urgente es solicitarlo online. Lo primero que debe de hacer es buscar en línea y proceder a pedir estamiados. Hay creditos rápidos de dinero urgente que se otorgan en 24 horas o menos.

La actual crisis financiera puede afectar a cualquier persona y esto puede ocurrir en un abrir y cerrar de ojos. Por lo tanto nadie esta inmune al hecho de necesitar dinero urgente. Una crisis monetaria no espera la aprobación del prestamista. Puede ocurrir a cualquier persona en cualquier situación. Para superar cualquier tipo de problema financiero de urgencia, los prestamos rápidos han sido diseñados para ofrecer apoyo financiero a los prestatarios que necesitan dinero urgente.

Estos préstamos de diNecesito prestamo de dinero urgentenero rapido se ofrecen sin verificación de crédito y son préstamos sin garantía prendaria. Este apoyo económico es fundamental para ayudar a gestionar las necesidades financieras inmediatas.

Con este dinero los prestatarios pueden satisfacer sus necesidades financieras como el pago de facturas médicas, pago de tarjetas de crédito, facturas de electricidad, gastos de viaje y muchas otras cosas.

Obviamente que con la ausencia de cualquier garantía, el prestatario tiene que pagar mayores tasas de interés. En este tipo de préstamo existe una limitación sobre la cantidad prestada y son aprobados rápidamente debido a la falta de garantías.

Los creditos en 24 horas a corto plazo son ofrecidos por varios prestamistas en línea. Las personas pueden buscar prestamistas adecuados y las opciones de préstamos mediante la búsqueda en Internet, ya que es el mejor medio cuando se trata de un préstamo de dinero rápido.

El proceso de aplicación es muy sencillo y todo se puede hacer en un tiempo muy corto. Este proceso monetario está libre de cualquier documentación tediosa y larga. Estas transacciones se procesan mucho más rápido que otros préstamos en el mercado. Después que las solicitudes de préstamos son aprobadas, el monto de dinero es transferido directamente a la cuenta bancaria del prestatario.

Dado que los préstamos rápidos son préstamos a corto plazo su tasa de interés es comparativamente mayor que otros préstamos tradicionales.

Los interesados pueden buscar online los prestamistas más adecuados que frecen las mejores ofertas y las más lucrativa con las tasas más bajas y los intereses más accesibles.

Solicite su préstamo de crédito rápido vía formulario virtual si considera tener una necesidad de dinero urgente.



Préstamos personales, Créditos personales, creditos personales online.

#Creditos #personales #online



creditos personales online

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En los últimos años los préstamos de capital privado han evolucionado notablemente, anteriormente se caracterizaban por su rigidez.

No se trata de una quimera, aún en tiempos de crisis es posible obtener préstamos personales en buenas condiciones, para ello es.

El sector de los préstamos rápidos se ha posicionado como el de mayor crecimiento porcentual en la industria de la inversión crediticia.

Préstamos personales

A raiz de nuestro último artículo: Préstamos personales baratos ¿Cómo conseguirlos? hemos recibido bastantes consultas y preguntas.

Se trata de una financiera online que ofrece préstamos rápidos sin aval de hasta por 300 euros si no eres cliente habitual o hasta.

El mercado de los préstamos y créditos de pequeño importante es inmune a la crisis, no hay más que ver como cada poco tiempo se.

Preguntas frecuentes

Sí. Conviene recibir asesoría especializada o conocer en detalle los los derechos de los clientes bancarios antes de contratar un.

Recientemente hemos recibido varias consultas preguntandonos acerca de la tarjeta Moduscard de MasterCard, las personas que nos han.

De forma continuada podemos observar ditintas ofertas de intermediación financiera independiente sobre en páginas web o sitios de.

Reunificación de préstamos

En opinión de la Agencia Negociadora de Productos Bancarios, un tercio de los embargos hipotecarios, se evitarían a corto plazo con.

La reunificación o refinanciación de deudas es uno de los servicios cuya demanda más ha crecido durante los últimos años de crisis.

Con la crisis financiera, son muchas las personas que han caído en un bucle de préstamos e hipotecas que dificulta el día a día.

Notas de Prensa

El descenso de los créditos tradicionales, por parte de las entidades bancarias continúa. Los nuevos créditos para la adquisición.

Indudablemente las familias españolas no desean continuar endeudándose sino que, por el contrario desean quitarse deudas de en medio.



Katzenhilfe Katzenherzen e, wer darf spenden sammeln.

#Wer #darf #spenden #sammeln



wer darf spenden sammeln

Wer darf spenden sammelnWer darf spenden sammeln

Zwei Sorgenkinder sind Osito und Lusi. Der im Dezember 2016 geborenen, kleinen schwarzen Osito wurde im Alter von wenigen Wochen von der Straße aufgesammelt und kurz darauf die schwarz-weiße Lusi auf der Müllkippe gefunden. Lusi war ein Bild des Jammers, die Augen vom Eiter verklebt.

Ihr Augenlicht konnte leider nicht gerettet werden, der Katzenschnupfen hat ihr dies genommen. Doch Lusi ficht das gar nicht an, sie ist dank der Fürsorge ihres Pflegepapas zu einer liebenswerten, fröhlichen kleinen Katzenlady herangewachsen.

Osito und Lusi sind mittlerweile unzertrennlich geworden. Die blinde Lusi orientiert sich an Osito und er passt gut auf seine Lusi auf. Mit ihm spielt sie wie jedes normale Katzenkind und fühlt sich sicher und geborgen.

Wir hoffen nun ein Zuhause für beide zusammen zu finden, auch wenn uns bewusst ist, dass dies nicht einfach werden wird.

Aber vielleicht gibt es da draußen ja liebe Menschen, die diesem tapferen Pärchen ihre Herzen öffnen?

Aufgrund Lusis Behinderung werden die beiden ausschließlich in Wohnungshaltung vermittelt, ein Balkon sollte gesichert sein.

Osito und Lusi sind bei Einreise aus Spanien kastriert, FIV/FELV negativ getestet, gegen Schnupfen, Seuche, Leukose und Tollwut geimpft, gechipt und haben einen EU-Heimtierausweis. Für diese medizinische Versorgung fällt eine Kostenbeteiligung in Höhe von 250 EUR an. Wir schließen zudem mit den Adoptanten einen Schutzvertrag der Katzenhilfe Katzenherzen e.V.

Lieben Hund und Katz: Nessa und Nala

Wer darf spenden sammelnWer darf spenden sammeln

Die Geschwister Nessa und Nala wurden von Babybeinen an in eine Pflegestelle gepäppelt und sind zu wunderbaren, sozialen und lebhaften Katzenteenies herangewachsen, die sich nun auf die Suche nach einem neuen Zuhause machen dürfen. Nessa, die liebenswerte Katzenlady mit den Lichtern im Fell und der lustigen Zeichnung um die Augen ist eine aus der Geschwisterschar.

Nala, die kleine Tigerlady mit dem markanten goldenen Fleck an der Stirn ist eine aus der Geschwisterschar.

Sie sind großgeworden und sozial mit anderen Katzen. Sie kennt sogar kleine Hunde und kommen mit diesen prima zurecht, sofern diese auch nett zu ihnen sind.

Beide kennen aktuell nur Wohnungshaltung und dürfen auch gerne wieder in Wohnungshaltung ziehen, ein gesicherter Balkon um die Nase in den Wind strecken zu können, sich das Fell zerzausen zu lassen und Sonne zu tanken wäre fein. Was sie zwingend brauchen ist eine gleichaltrige Katzenfreundin oder – freund im neuen Zuhause. Da die beiden sich sehr mögen, wäre eine Vermittlung als Katzenpaar ideal.

Die Schwesten befinden sich noch in Spanien und sind im Februar 2016 geboren, kastriert, FIV /FELV negativ getestet, gegen Schnupfen, Seuche, Leukose und Tollwut geimpft , gechipt und haben einen EU-Heimtierausweis. Für diese medizinische Versorgung fällt eine Kostenbeteiligung in Höhe von 140 EUR je Katze an.

liebebedürftig und anhänglich: MAMI

Wer darf spenden sammelnWer darf spenden sammeln

Mami ist eine hübsche, anhängliche Schmuserin auf der Suche nach einem richtigen, liebevollen Zuhause.

Mit anderen Katzen kommt Mami gut zurecht, braucht aber ein wenig um sich an sie zu gewöhnen, man sollte also Geduld bei einer Zusammenführung mitbringen. Alternativ darf Mami auch gerne als Einzelkatze mit Freigang in ihr neues Zuhause ziehen.

Was man zu Mami noch wissen muss – wenn es ihr zu viel wird zeigt sie dies dass auch mal eine Pfote fliegt. Also sollte sie besser nicht zu ganz kleinen Kindern. Im Umgang mit Katzen erfahrene und rücksichtsvolle Kinder sind kein Problem. In der Pflegestelle in Spanien liebt Mami es mit der 15 Jahre alten Tochter der Pflegemama zu kuscheln.

In Mamis Fall sagt ein Video mehr als 1000 Worte, sehen Sie sich einfach das Filmchen an, das der Anzeige beigefügt ist.

Mami ist im September 2015 geboren, befindet sich aktuell noch in Spanien ist kastriert, FIV /FELV negativ getestet, gegen Schnupfen, Seuche, Leukose und Tollwut geimpft , gechipt und hat einen EU-Heimtierausweis. Für diese medizinische Versorgung fällt eine Kostenbeteiligung in Höhe von 140 EUR an. Vertraglich geregelt wird die Adoption von Mami über einen Schutzvertrag der Katzenhilfe Katzenherzen e.V.

Lluvia mit den eisblauen Augen

Wer darf spenden sammelnWer darf spenden sammeln

Dabei ist Lluvia so ein Goldschatz! Sie versteht sich blendend mit allem und jedem in ihrem vorübergehenden Pflegezuhause. Katz, Hund, Mensch – jeder wird geliebt und umschnurrt.

Leider hat sich herausgestellt, dass Lluvia das Schicksal vieler weißer Katzen teilt: Sie ist taub. Lluvia ficht das nicht an, sie ist eine glückliche und liebenswerte Katze, sie kennt es auch nicht anders. Doch ihre neuen Dosenöffner sollten bereit sein, sich darauf einzustellen.

Lluvia lebt aktuell in Wohnungshaltung und wird aufgrund ihres Handicaps auch wieder nur in diesen vermittelt. Ein gesicherter Balkon wäre aber wunderbar und auf jeden Fall braucht der Schatz im neuen Zuhause Katzengesellschaft im gleichen Alter. Ein katzenverträglicher Hund obenauf wäre das Sahnestückchen.

Auch in eine Familie mit Kindern können wir uns den Schatz gut vorstellen.

Lluvia befindet sich noch in Spanien, ist etwa im Februar 2017 geboren, und ist bei Einreise aus Spanien kastriert, FIV /FELV negativ getestet, gegen Schnupfen, Seuche, Leukose und Tollwut geimpft , gechipt und hat einen EU-Heimtierausweis.

Für diese medizinische Versorgung fällt eine Kostenbeteiligung in Höhe von 160 EUR an. Vertraglich geregelt wird die Adoption von Lluvia über einen Schutzvertrag der Katzenhilfe Katzenherzen e.V.

Bei Interesse – oder bei Fragen .

Hilfe f r Alondras K tzchen in Not

Liebe Freunde der Katzenherzen,

Wer darf spenden sammeln

Mar und ihre Helfer versuchen nun vor Ort vermehrt über Flohmärkte und Co Spenden zu sammeln und wir wollen unsere tapferen Tierschützer in Spanien von Herzen gerne dabei unterstützen.



Cheap California Car Insurance Quotes, california insurance companies.

#California #insurance #companies



Saving Money with Cheap California Car Insurance Quotes

Anyone searching high and low for cheap California car insurance quotes knows that it can be hard to find actual insurance quotes that fit their budget. Many individual insurance companies offer great deals, but the moment you actually receive a quote, you realize that these deals are not as great as the commercials promise. Change the way you shop for insurance and come to Sameday Insurance Services Inc. when you are seeking cheap California car insurance quotes. Our business works hard to provide you with amazing options, giving you the chance to stop your eternal shop for car insurance.

The difference in our cheap California car insurance quotes and the quotes of other insurance companies is simple – we don’t work with one specific company. Many independent insurance providers are sponsored or work with one or two exclusive insurance companies, which means they are going to be pushing the options from the associated companies. Our team is different because we speak to you individually about your insurance needs and offer you the chance to find the personalized options that are ideal for you or your family.

Our insurance programs offer home, automobile, and motorcycle insurance packages that include basic and custom comprehensive coverage options. Unlike California insurance agencies that offer policies from a single provider, we can provide competing quotes from a variety of sources, giving our customers far more control and buying power.

Shopping for insurance online through other companies is tough for a variety of reasons. After you get your insurance, most companies stop communicating with you. More often than not, they will only send you an email to tell you that your insurance rate is going to go up! When you work with us, you can rest assured that our team members will help you at the beginning and stay with you as your work with our company. We even offer you the change to change your policy and pay your bill online! You don’t even have to print anything or make a trip to the office when you work with us.

Make the smart choice today. Contact our team to find out more about receiving cheap California car insurance quotes from our business. Whether you visit us in our office or request cheap California car insurance quotes online, we are confident that you’ll be able to find a great insurance option that won’t break the bank.

California insurance companies



Miami Immigration Lawyers, Miami Green Card Attorneys, Deportation, firmas de abogados.

#Firmas #de #abogados



Martha L. Arias is the Immigration Lawyer for You in Miami

Immigration

Firmas de abogados

Firmas de abogados

Martha L. Arias is th e Immigration Lawyer for You in Miami

The decision to immigrate to the U.S. can sometimes be overwhelming for many individuals. The law can be intricate, the paperwork can be quite involved, and the documentation must be complete in order to ensure success. An improperly completed application or a failure to furnish the correct documents in the correct format can lead to a delay of your U.S. immigration application, and, in the worst cases, an outright denial of your immigration application. The U.S. immigration process is often complex, and each case is unique. To ensure success, many individuals who wish to immigrate to the U.S. often hire a U.S. immigration attorney to ensure that applications are complete, that documentation is accurate, and that all proper legal processes are followed. If you or a loved one is considering immigrating to the U.S., you need an experienced immigration lawyer in Miami, Florida who understands the process and who will take the time to warrant that you have everything you need to immigrate to the U.S.

Whether you wish to come to the U.S. to work, to reunite with family, or to seek a better and brighter future for you and your loved ones, Arias Villa, LLC is an immigration attorney in Miami, Florida committed to ensuring your success. Our firm lead by attorney Martha Arias takes the time to review your case, understand your unique situation, and works diligently to ensure that you are able to meet your immigration goals.

Ways to Immigrate to the U.S.

The U.S. has a variety of ways individuals can immigrate. If one way does not work for you or your family, there may be other options available that will allow you to immigrate to the U.S. For instance, individuals can immigrate to the U.S. for employment. If an immigration visa does not work for you, there are also non-immigrant visas available, if you qualify. There are a variety of employment visas available, including temporary worker visas for qualified professions. The U.S. also offers visas for professors, artists, athletes or business professionals who qualify. There are also visa options for individuals who are professionals, as well as visas for other workers. Attorney Martha Arias can inform you on the best available option for you.

The U.S. also offers visas to family members of individuals who have obtained work visas. If you have a loved one who is a permanent resident or U.S. citizen, this person maybe able to file a petition foryou. The U.S. also allows U.S. citizens to petitionfor theirfiancées, if they plan to marry within 90 daysafter arrival. F

If you are considering immigrating or moving to the U.S.,you need a skilled immigration lawyer Miami who can help you succeed, whatever your immigration goals. Arias Villa, LLC is an immigration attorney in Miami, Florida who has years of experience helping clients in a variety of immigration matters. Attorney Martha Arias has been helping the community for over a decade in Miami, Fl. Contact us today so that we can help you navigate the complex U.S. immigration process.

Facing Deportation in Miami, Florida?

If you are facing deportation from the U.S., this may be a stressful time. You may not know where to turn or how to fight your deportation. Deportation can occur for a variety of reasons. If you stay longer than your visa allows, or if you come to the U.S. for one purpose, for instance, to work or go to school, but engage in other activities not listed on your visa, you may face deportation. For instance, students are generally not allowed to work without special permission, and individuals on work visas are generally not allowed to attend school without changing their status.In cases when individuals face deportation from the U.S., the most prudent course of action is to seek the experience of a skilled deportation lawyer in Miami, Florida.Attorney Martha Arias has the experience and education required to assure success in your case.

Many visas have expiration dates. Unfortunately, many people build lives while living on these visas and find themselves wishing to stay beyond the limit of the date listed on the visa. In order to do this without being deported, you may need the help of a skilled deportation lawyer in Miami, Florida who can help you fight your deportation and help you to stay in the U.S. Arias Villa, LLC is a skilled deportation lawyer in Miami, Florida committed to helping individuals fight their deportation proceedings. If you are facing deportation, contact the firm today to learn more about your rights.Attorney Martha Arias is willing to help you with your immigration case.

Green Cards: What You Need To Know

When individuals have a “green card” it means that they have established permanent resident status in theU.S. Green card holders enjoy many benefits including access to Medicaid, access to temporary assistance, access to public housing, access to Medicare, and access to other social security benefits. Green card holders also enjoy the right to eventually apply for U.S. citizenship once they meet certain eligibility qualifications.Because so much is at stake when individuals are applying for a green card, many seek the counsel of a skilled green card lawyer to help them build the strongestcase.As long as green card holders follow U.S. law and U.S. immigration law, getting a green card, for most, can be a good way to guarantee you and your loved ones the ability to reside in the U.S. permanently.Individuals who qualify to receive a green card often seek the help of a green card lawyer in Miami, Florida such as attorney Martha Arias to ensure that their applications are complete, and accurate.

There are several ways an individual can get a green card. If you are a parent, spouse, or child of a U.S. citizen, you may qualify to receivea green card. Certain individuals with job offers may be able to apply for a green card. Individual applications are assessed based on the ability and education of the applicant. Refugees may also qualify for green cards. Because there are many rules regarding U.S. permanent residence, individuals are prudent to seek the counsel of a green card lawyer to ensure success.A green card lawyer in Miami, Floridasuch as Martha Ariascan ensure that you apply in the correct category and submit a complete application.

Why Choose Us?

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As your immigration attorneys, the extensive experience that we have gathered over one decade of practice is at your service. We have all the requisite know how and expertise that is needed to deal with immigration proceedings as well as removal and deportation cases. When your ability to stay and work in the U.S. is on the line, every detail matters. We have the ability to help you build the strongest deportation defense and immigration case.

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If you are in removal proceedings, you need a supreme deportation lawyers to express your viewpoint and illustrate your situation. Arias Villa, LLC has the skill and legal expertise to handle your immigration case on a personal basis. You will not be just a number or a file. We believe that you deserve our respect and honesty. As such, we will maintain complete transparency with you and use our experience and skill to protect your interests.

Give us an Opportunity

We specialize in immigration law. With a Green Card lawyer in your corner, your immigration and green card application will have an astonishingly better chance of sailing through. An immigration lawyer can ensure that your application is complete a nd accurate and attorney Martha Arias is here to help . If you have any issues pertaining to your green card, please give us a call and offer us the chance to work with you.

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We understand the difficulties experienced in deportation and will work aggressively so that you don’t face persecution after depo rtation. Unfortunately, due to ignorance and certain kinds of media coverage, not everyone understands the complexities involved in deportation cases but attorney Martha Arias can lead you through your immigration process . Fortunately, the law affords individuals the right to defend themselves. With a skilled immigration lawye r on your side to build you a strong case, you have a better chance of success. As your Miami immigration lawyer, attorney Martha Arias will leave no stone unturned to help you in your legal issues. We will file your petitions, motions, and paperwork while fighting your case aggressively and professionally. Call us now if you have been detained for deportation proceedings or have any green card issues.



Wohnung mieten in Burghausen, immobilien burghausen.

#Immobilien #burghausen



Mietwohnungen in Burghausen (Altötting (Kreis))

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Seiteninformation

Immobilien burghausen

Europaweit der größte Online-Automarkt – AutoScout24

Immobilien burghausen

Transparenz und Sicherheit bei Finanzentscheidungen – FinanceScout24

Immobilien burghausen

Scout24 ermöglicht Menschen, ihre Träume von Immobilien Autos zu verwirklichen.



Datenschutz unternehmen, datenschutz unternehmen.

#Datenschutz #unternehmen



Datenschutz-Guru

Datenschutz im Unternehmen EINFACH besser machen

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Datenschutz unternehmen

Crashkurs Datenschutzrecht (DSGVO) Teil 3

Im 3. Teil des Crashkurses zur DSGVO geht es um die praktisch wichtigste Zulässigkeitsvariante der DSGVO: Die Datenverarbeitung zur Erfüllung von Vertragszwecken In dieser Podcast-Folge

Datenschutz unternehmen

DSGVO in kleinen Unternehmen umsetzen Tipps für ein „DSGVO-Projekt“

Ich werde häufiger gefragt, wie ich denn so eine DSGVO-Implementierung in Organisationen (Unternehmen/öffentlichen Stellen) angehen würde. Ein Patentrezept, das immer passt, habe ich dafür jedoch

Datenschutz unternehmen

Crashkurs Datenschutzrecht (DSGVO) Teil 2

Im 2. Teil des Crashkurses zur DSGVO geht es um die „Brot und Butter“-Norm der DSGVO, nämlich Art. 6 DSGVO. In dieser sind nämlich die Zulässigkeitstatbestände für die Verarbeitung personenbezogener

Datenschutz unternehmen

Crashkurs Datenschutzrecht (DSGVO) Teil 1

Wir stehen kurz vor einem neuen Jahr. Und da kam die Idee für auf, einen Crashkurs Datenschutzrecht auf Basis der DSGVO in einer Podcast-Reihe aufzunehmen. In diesem Crashkurs sollen die rechtlichen

Datenschutz unternehmen

Hilfe, wie mache ich meine E-Mail-Newsletter-Liste DSGVO-compliant?

Im heutigen Podcast geht es um eines der Themen, das momentan in den Top 10 der Beratungsanfragen hier in der Kanzlei rangiert. Jetzt, wo die DSGVO mit großen Schritten herannaht, merken auch die

Datenschutz unternehmen

Aufzeichnung der „Office Hours“ vom 18.12.2017 verfügbar

Am 18.12.2017 fand die wieder die „Office Hours“-Telefonkonferenz für Datenschutz-Coaching-Mitglieder statt. Bei den „Office Hours“ besteht Gelegenheit (auch schon im Vorfeld über ein Formular)



Reclamaciones por cancelaciones y retrasos-Particulares-AESA-Agencia Estatal de Seguridad A – rea – Ministerio de Fomento, quejas y reclamaciones del cliente.

#Quejas #y #reclamaciones #del #cliente



Reclamaciones por cancelaciones y retrasos

El asesoramiento e intermediación de quejas y reclamaciones del usuario tiene certificadas sus actividades bajo el Certificado de Gestión de Calidad ISO 9001 de AESA

Cuándo y cómo reclamar

Usted podrá reclamar si ha tenido uno de los siguientes problemas: vuelo cancelado, vuelo retrasado más de tres horas, denegación de embarque debida, por ejemplo a overbooking, o un cambio de clase y la compañía no ha atendido sus derechos como pasajero, que puede consultar aquí.

En el caso de incidencias NO relacionadas con denegación de embarque por sobreventa, cancelación y/o retraso del vuelo, o cambio de clase, se puede encontrar información de utilidad en Incidencias no relacionadas con cancelaciones y retrasos.

Si considera que no se han respetado sus derechos puede reclamar siguiendo los siguientes pasos:

  1. Realizar una reclamación a la compañía aérea correspondiente. Lo puede hacer a través de las hojas de reclamaciones que las compañías aéreas deben tener a disposición en los mostradores de información o puntos de venta de billetes en los aeropuertos o usando el siguiente formulario para reclamar ante una compañía aérea.
    1. La reclamación la debe dirigir directamente al departamento de atención al usuario, bien por carta o bien por medios electrónicos si la compañía dispone de ellos. Listado de Servicios de Atención al Cliente de Compañías Aéreas.
    2. Debe conservarse el billete, talón de equipaje y demás documentos utilizados. Además, la reclamación debe ser clara, concisa y legible, es importante consignar con precisión fecha, hora, lugar y causas de la reclamación, así como los datos personales del reclamante y su vuelo.
  1. En caso de no recibir respuesta, o ésta no ser satisfactoria puede presentar una reclamación ante AESA sin coste alguno.

    Para ello hay que enviar, a través del correo electrónico [email protected] o por correo postal a la siguiente dirección: Agencia Estatal de Seguridad Aérea. División de Calidad y Protección al Usuario. Avda. General Perón, 40. Acceso B. 28020 Madrid), la siguiente documentación:

    1. El formulario para reclamar ante AESA
    2. Una copia legible de las comunicaciones que haya mantenido con la compañía aérea al respecto.

    Actuación de AESA

    AESA analizará si hubo incumplimiento del Reglamento de Derechos de Pasajeros (CE) 261/2004 y solicitará a la compañía aérea información sobre los hechos, recabará la información adicional y examinará si ha cumplido o no con lo dispuesto en la norma.

    Una vez analizado, AESA comunicará, al solicitante y a las compañías aéreas, las actuaciones llevadas a cabo en relación con la reclamación y emitirá un informe con el resultado de sus actuaciones.

    En caso de que el informe de AESA sea positivo para el pasajero pero la compañía no lo atienda, podrá acudir a la vía judicial, para lo cual el informe positivo de AESA le será de gran utilidad. También debe saber que el recurso de la vía judicial para solicitar una indemnización por daños y perjuicios puede ejecutarlo en cualquier momento del proceso.

    Reclamar un problema en un aeropuerto fuera de España

    Si su incidente tuvo lugar en un aeropuerto de la UE, no en territorio de España, podrá consultar en el siguiente listado los datos de contacto de la autoridad nacional competente para tramitar su reclamación. Deberá enviar su reclamación a dicho organismo el cual es el responsable de tramitar su queja/reclamación y darle una respuesta.

    No obstante, si usted desea que sea la AESA quien transfiera su reclamación al organismo nacional responsable arriba indicado, remítanos el formulario disponible en esta página y procederemos a su envío a la autoridad en la cual se produjo el incidente.

    Carta de Servicios de Atención al Usuario de Transporte Aéreo

    El Servicio de Atención al Usuario del Transporte Aéreo, es una unidad integrada en la División de Calidad y Protección al Usuario, de la Dirección de Seguridad de la Aviación Civil y Protección al Usuario, y tiene como objetivo asesorar e informar a los pasajeros del transporte aéreo de los derechos que le asisten, así como de los cauces disponibles para presentar sus reclamaciones. Además de proteger e intermediar en las controversias que pudieran producirse entre los pasajeros y los operadores aéreos y, en su caso, con el gestor aeroportuario, en todas aquellas materias que son competencia de AESA en el ámbito de la protección de los pasajeros.

    En la Carta de Servicios de Atención al Usuario de Transporte Aéreo se pueden encontrar los compromisos que adquiere la Agencia Estatal de Seguridad Aérea (AESA) con los usuarios del transporte aéreo.

    Más información

    Si necesita más información puede llamar por teléfono, en horario de mañana de 8:30 a 14:30 de lunes a viernes al teléfono: +34 91 396 82 10, o solicitarla por correo electrónico a: [email protected]

    Quejas y reclamaciones del cliente Quejas y reclamaciones del cliente Quejas y reclamaciones del cliente Quejas y reclamaciones del cliente



Rechtsberatung online, rechtsberatung online.

#Rechtsberatung #online



Rechtsberatung

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Mag. Peter Egger

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Mag. Walter Perkhofer

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Barbara Nocker

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Rechtsberatung online

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Rechtsberatung online

Die Rechtsberater des Tiroler Bauernbundes stehen den Mitgliedern von Montag bis Freitag in Innsbruck sowie bei den Sprechtagen in den Bezirken für kostenlose Rechtsauskünfte zur Verfügung.

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Börse in Griechenland: Die spannendsten Aktien aus Athen, börse athen.

#Börse #athen



Börse in Griechenland: Die spannendsten Aktien aus Athen

Risikofreudige Anleger sollten sich die nach der Zwangspause wieder geöffnete Börse in Athen ansehen. Einige der dort gehandelten Aktien sind es wert. Nach heftigen Kursverlusten am Montag besteht Aufwärtspotenzial.

An der Börse in Athen ging es nach einmonatiger Zwangspause zunächst steil bergab. Aber einzelne Titel haben durchaus viel Potenzial.

Staat und Bürger sparen, viele griechische Unternehmen können Auslandsrechnungen nicht zahlen, die Börse war seit dem 26. Juni geschlossen: Warum in aller Welt sollten Anleger in griechische Aktien investieren wollen? Nun, die Börse ist wieder geöffnet. Am vergangenen Montag nahm die Athener Börse den Handel wieder auf – aber nur für Ausländer und Griechen, die Auslandskapital oder Bargeld einsetzen. Zum Start am Montag ging es kräftig abwärts: minus 22 Prozent zum Handelsbeginn, am Ende des Börsentages lag das Minus noch bei mehr als 16 Prozent.

Anleger sollten deshalb unvoreingenommen prüfen, was dort auf dem Kurszettel steht. Manche Unternehmen lohnen einen zweiten Blick – weil sie viel Cash und kaum Schulden haben, weil sie ein Gutteil ihres Geschäfts im Ausland abwickeln, weil sie in der Krise seit 2009 profitabel und weiter gewachsen sind. Wirtschafts-Nobelpreisträger Rober Shiller und Schwellenland-Fondsmanager Mark Mobius vermuten, dass griechische Aktien zu Unrecht abgestraft wurden. Klar: Das Risiko ist hoch. Allein am 29. Juni, dem ersten Tag, an dem in Athen nichts mehr ging, verlor ein in Frankfurt weiter gehandelter Indexfonds auf griechische Aktien um die 20 Prozent.

Bis Mitte dieser Woche hat er sich dank der Einigung von Premier Alexis Tsipras mit den Gläubigern weitgehend erholt. Gut möglich zwar, dass bei Wiedereröffnung die Kurse erst mal weiter nachgeben, weil Anleger Kasse machen, die Ende Juni kalt erwischt wurden und immer noch raus wollen. Spätestens dann aber „könnten sich Möglichkeiten ergeben“, sagt ein Londoner Hedgefondsmanager. Vor Jahren hatte er schon mal in die Aktien der Börse Athen investiert – nun liegt er wieder auf der Lauer.

Mit voller Kasse: Hellenic Exchanges (Athex)

Das Geschäftsmodell der Börse ist attraktiv, wie die Deutsche Börse bietet sie alles aus einer Hand: Handel von Aktien, Anleihen und Derivaten, Abrechnung von Geschäften und die Verwahrung von Wertpapieren – alles elektronisch und nach internationalem Standard. Nach 21 Millionen Euro Nettogewinn 2014 verdiente die Börse im ersten Quartal 4,1 Millionen. Analysten hatten die schon flott auf gut 16 Millionen für 2015 hochgerechnet. Am Freitag vor Aussetzung des Handels hatte das Unternehmen einen Börsenwert von gut 300 Millionen Euro, zum letzten in Frankfurt geschätzten Kurs läge der Börsenwert sogar bei nur noch gut 240 Millionen Euro. Das entspricht einem immer noch akzeptablen Kurs-Gewinn-Verhältnis (KGV) von 15. Doch die Analysten werden neu rechnen müssen, 16 Millionen Euro Nettogewinn werden es nicht mehr. Seit gut vier Wochen hat die Börse nichts verdient. Netto hat sie, und das ist wohl das größte Kaufargument, 152 Millionen Euro in der Kasse, und zwar nicht in schwachbrüstigen Griechenbonds, sondern auf Bankkonten. Dass die entwertet werden, ist vorläufig vom Tisch. Bei einem Kurs von 3,70 Euro und selbst bei halbiertem Jahresgewinn von 10,5 Millionen Euro hätte das Unternehmen auf den Börsenwert minus Cash ein sehr günstiges KGV von 8,5 – da wäre noch Luft.



Download Arbeitsrecht: Schnell ErfaГџt 1995, arbeitsrecht forum.

#Arbeitsrecht #forum



Download Arbeitsrecht: Schnell ErfaГџt 1995

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Cómo hacer el seguimiento de una maleta perdida? Foro de Aviones, Aeropuertos y Lineas Aereas, como escribir una reclamacion.

#Como #escribir #una #reclamacion



Como escribir una reclamacion¿Cómo hacer el seguimiento de una maleta perdida? Como escribir una reclamacion

Como escribir una reclamacion Foro Aviones, Aeropuertos y Lineas Aereas: Todo lo relacionado con volar: aeropuertos, lineas aereas, vuelos, aviones, facturacion, reserva de asientos, miedo a volar, equipajes y normas de todo lo anterior

Como escribir una reclamacion Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion

Ubicación: Madrid, España

Como escribir una reclamacion Como escribir una reclamacion

Puedes hacer click aqui para ir a World Tracer:

Como escribir una reclamacion

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siempre va bien tenerla por si acaso, nunca se sabe Como escribir una reclamacion

El Mundo es un libro y los que no viajan sólo leen una página.

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Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion Como escribir una reclamacion

Contra eso solo queda usar el sentido comun, que es llevar los objetos de valor en el equipaje de mano. Si tienen que ir facturados y poder reclamar en caso de que les pase algo, lo que tienes que hacer al facturar, es la notificacion de “valor declarado” y pagar por ello. y asi lo aseguras.

Nuestro idioma ha tardado 12 siglos en llegar hasta hoy en día. tú tan sólo tardas 20 segundos en escribir un post : no destroces en tan poco tiempo lo que tantos siglos ha costado crear.

Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion

Ubicación: Madrid, España

Como escribir una reclamacion Como escribir una reclamacion

¿Y cómo sabes que te han robado en el aeropuerto de Barcelona?

¡También ha podido ser en el otro aeropuerto de tu viaje! Como escribir una reclamacion

España, Andorra, Francia, Portugal, Italia, Grecia, Inglaterra, Bélgica, Holanda, Alemania, Austria, Polonia, República Checa, Hungría, Albania, Finlandia, Malta, Marruecos, Argelia, Kenia, Turquía, Egipto, Emiratos Árabes Unidos, Maldivas, Estados Unidos, Argentina, Australia

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Como escribir una reclamacion

Como escribir una reclamacion

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A que se refiere ? porque nose que poner ahi.

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Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion Como escribir una reclamacion

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Como escribir una reclamacion

Como escribir una reclamacion

Como escribir una reclamacion

Ubicación: Madrid, España

Como escribir una reclamacion Como escribir una reclamacion

El nº de referencia es el nº de PIR (la reclamación que debiste abrir en el aeropuerto cuando llegaste y viste que la maleta no estaba).

Se compone, generalmente, de 5 letras y 5 números.

Por ejemplo. si Iberia no te entrega una maleta al llegar a Madrid, el nº de PIR será MADIB12345 (MAD por Madrid, IB por Iberia)

Air Europa en Palma de Mallorca: PMIUX12345.

España, Andorra, Francia, Portugal, Italia, Grecia, Inglaterra, Bélgica, Holanda, Alemania, Austria, Polonia, República Checa, Hungría, Albania, Finlandia, Malta, Marruecos, Argelia, Kenia, Turquía, Egipto, Emiratos Árabes Unidos, Maldivas, Estados Unidos, Argentina, Australia



Mejores Prestamos, Prestamos personales, prestamo sobre hipoteca.

#Prestamo #sobre #hipoteca



Mejores Préstamos

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    • Trucos para comprar un coche sin pedir préstamo abril 27, 2016
    • Préstamo Inteligente EVO
    • ¿Qué se considera usura en España?
    • Anticipo Nómina del Banco Santander febrero 29, 2016
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La Línea ICO para 2016

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nvindi, febrero 2016

Los mejores prestamos para coches

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Fovissste préstamo, Préstamos Personales, Créditos, prestamo issste.

#Prestamo #issste



Fovissste préstamo

Prestamo issste

Alia2 es otro de los créditos que brinda el Fovissste: es un préstamo pesado para potenciar el saldo de la Subcuenta de Vivienda del SAR de los servidores públicos. De este modo podrán incrementar su capacidad de crédito y poder controlar las cuotas del crédito.

Gracias a Alia2, de Fovissste, un préstamo diseñado para trabajadores que por el monto de su salario requieren de un producto que les brinde una vivienda acorde al total de sus ingresos y necesidades, muchos mexicanos pueden cumplir el sueño de tener una vivienda propia, incrementando su capacidad de crédito.

¿Qué es Alia2 de Fovissste? Es un préstamo que busca sacar máximo provecho del saldo de la Subcuenta de Vivienda del SAR de los servidores públicos, cuyas compensaciones superiores a su sueldo básico de cotización les permite disfrutar de una mayor capacidad de crédito. Como consecuencia de esto pueden disfrutar de la tranquilidad de conocer cuánto pagarán sin incrementos futuros desde el inicio de la devolución del crédito.

Características del préstamo Alia2 de Fovissste

Una característica esencial de Alia2 de Fovissste es que se trata de un préstamo que se obtiene sin necesidad de sorteo. Se otorga entre el Fovissste y la Entidad Financiera elegida por el solicitante y con los fondos obtenidos el trabajador puede comprar una vivienda nueva, usada o bien orientar el dinero a la redención de pasivos hipotecarios.

Requisitos del crédito Alia2 de Fovissste

Para poder acceder al crédito Alia2 de Fovissste es necesario cumplir con los siguientes requisitos esenciales:

– Ser trabajador del Estado en servicio activo

– Ejercer por primera vez el crédito Fovissste

– Tener un mínimo de 9 bimestres de aportes en la Subcuenta de Vivienda del SAR

Encuentre más información sobre el crédito Alia2 de Fovissste y otros préstamos en la página Web del instituto, donde además podrá iniciar los trámites de obtención para ésta y otras alternativas de financiamiento. También puede obtener más información llamando al 01 800 3684 783.



Winkel und Winkelmessung – Nebenwinkel, Scheitelwinkel, Stufenwinkel, Wechselwinkel, winkel 90 grad.

#Winkel #90 #grad



Winkel und Winkelmessung

Winkel und Winkelmessung

Ein Winkel wird durch zwei Halbgeraden (Strahlen) festgelegt, die von dem gleichen Punkt aus starten. Wir benennen diesen Punkt, von dem aus wir starten, mit Scheitelpunkt oder kurz Scheitel des Winkels und die beiden Halbgeraden nennen wir Schenkel. In dem folgenden Bild heißt der Scheitel S, die Schenkel a und b und der Winkel (die blau markierte Fläche) α (Alpha). Übrigens werden Winkel üblicherweise gegen den Uhrzeigersinn gemessen, also links herum.

Winkel 90 grad

Man bezeichnet Winkel für gewöhnlich mit griechischen Buchstaben. Die ersten fünf Buchstaben und die am häufigsten benötigten sind: α = Alpha (entspricht im Deutschen dem a), β = Beta (entspricht im Deutschen dem b), γ = Gamma (entspricht im Deutschen dem g), δ = Delta (entspricht im Deutschen dem d), ε = Epsilon (entspricht im Deutschen dem e).

Die Größe eines Winkels wird in der Einheit Grad angegeben und gemessen. Der Einheitswinkel hat daher die Größe 1°.

Arten von Winkeln

Je nachdem wie groГџ ein Winkel ist kann man diese kategorisieren (also in Gruppen einteilen). Г„hnliche Eigenschaften machen mehrere Winkel vergleichbar.

Es handelt sich um einen spitzen Winkel, wenn der Winkel zwischen 0° und 90° beträgt.

Winkel 90 grad

Es handelt sich um einen rechten Winkel, wenn der Winkel genau 90° beträgt. Als wichtigen Spezialfall kennzeichnet man diesen Winkel sehr häufig mit einem Punkt im Halbkreis statt eines griechischen Buchstabens.

Winkel 90 grad

Es handelt sich um einen stumpfen Winkel, wenn der Winkel größer ist als 90°, aber kleiner als 180°

Winkel 90 grad

Bei einem Winkel von genau 180В° spricht man vom gestreckten Winkel. Somit liegen die Schenkel auf einer Geraden.

Winkel 90 grad

Es handelt sich um einen überstumpfen Winkel, wenn der Winkel größer ist als der gestreckte Winkel, also 180°, aber kleiner als 360°.

Winkel 90 grad

Man spricht von einem Vollwinkel, wenn der Winkel genau 360° beträgt.

Winkel 90 grad

Winkelpaare (Nebenwinkel, Scheitelwinkel, Stufenwinkel, Wechselwinkel)

Wenn sich zwei Geraden schneiden, ergänzen sich immer zwei Winkel zu 180° und man spricht von Nebenwinkeln. α und β sind Nebenwinkel und ergänzen sich zu 180°.

Winkel 90 grad

Die Winkel α und α’ liegen sich an zwei kreuzenden Geraden gegenüber. Sie heißen Scheitelwinkel und sind jeweils gleich groß.

Winkel 90 grad

Die Winkel α und α’ liegen an der Geraden h, die zweimal von zueinander parallelen Geraden geschnitten wird. Somit sind auch diese Winkel gleich. Man nennt sie Stufenwinkel.

Winkel 90 grad

Mit Wechselwinkel bezeichnet man einen Scheitelwinkel zum Stufenwinkel. Dadurch, dass Scheitelwinkel und Stufenwinkel gleichgroГџ sind, sind auch Wechselwinkel gleichgroГџ.

Winkel 90 grad

Winkel 90 grad



Car Insurance, Cheap Car Insurance from Specialist Insurers, Premium Choice, premium car insurance.

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Cómo funciona el libro de reclamaciones, pedir hoja de reclamaciones.

#Pedir #hoja #de #reclamaciones



Cómo funciona el libro de reclamaciones

Todos los negocios con Registro Único del Consumidor abiertos al público están obligados a contar con este ejemplar, sino pueden ser sancionados. Objetivo. Sirve para que clientes expresen sus quejas por mal servicio o atención

9 Nov 2011 | 0:00 h

Redacción LR

Claudia asiste a un restaurante con unos compañeros de trabajo, el grupo queda disconforme con la atención del mesero y por la excesiva demora en la atención. Por eso esta empleada pública decidió pedir el libro de reclamaciones para consignar su queja, sin embargo, se dio con la sorpresa que el establecimiento no lo tenía.

“En este caso, el local se hace pasible a una amonestación y hasta una sanción, pues es obligatorio que todos los establecimientos con RUC abiertos al público tengan su libro de reclamaciones, que esté visible y no lo niegue a quien se lo solicite”, refirió la jefa regional del Instituto Nacional de Defensa de la Competencia y de la Protección de la Propiedad Intelectual (Indecopi) en Arequipa, Lucía Cornejo.

La funcionaria estimó que en la ciudad hay 375 locales que cuentan con este libro; sin embargo, hay 52 quejas de usuarios contra establecimientos por no contar con su libro de reclamaciones. Destacó que según la Ley 29571 y su reglamentación, este documento puede ser físico o virtual, asimismo debe tener tres copias por hoja. Una de ellas se queda con el usuario.

¿Qué es y cómo funciona?

El libro de reclamaciones es un documento donde el consumidor informa sobre un reclamo: cuando tiene carácter de infracción o sobre una queja, cuando está relacionada a un malestar o descontento por el servicio.

Es además un instrumento para que el proveedor resuelva el reclamo del usuario directamente, sin la intervención de un intermediario, en plazo no mayor de 30 días. Respecto a las quejas, la ley señala que no son obligatorias.

Para Lucía Cornejo, las quejas también son un buen referente para que el dueño del establecimiento comercial conozca las deficiencias de su negocio, según la percepción de sus clientes. Asimismo, estas quejas pueden ser tomadas en cuenta por Indecopi, al momento de realizar una revisión de oficio.

Precisamente Cornejo anunció que esta semana un fiscalizador de Indecopi inició visitas a los establecimientos de todos los rubros, para verificar si cuentan con el libro de reclamaciones y si éste cumple con los requisitos antes señalados. El funcionario recabará una copia del libro para revisarlo después.

1] Las multas a imponerse por no tener el libro, no ponerlo visible, no entregarlo si lo solicitan o no responder al usuario que ha dejado constancia de un reclamo, pueden ir desde una amonestación hasta 450 Unidades Impositivas Tributarias (UIT), que equivalen a 1.62 millones de nuevos soles. El monto es fijado por una comisión de Indecopi.

2]Lucía Cornejo destaca que un usuario además de consignar su reclamo en el libro también puede iniciar un proceso en Indecopi. De otro lado, el consumidor puede denunciar o reclamar a un establecimiento en Indecopi sin haber antes escrito en el libro. Señala asimismo que las instituciones más quejadas en Arequipa son los bancos, compañías de seguros, empresas de transporte y colegios.

VIGENCIA. Este documento de quejas entró en vigencia el 7 de mayo. Según Cornejo, los primeros en habilitarlo fueron las tiendas de los megacentros. Las hojas de reclamación deben ser conservadas por los proveedores durante 2 años, contados desde la fecha de la queja o reclamo. Ante el robo o pérdida del documento, la empresa debe formular una denuncia. El libro puede ser virtual, pero debe tomar en cuenta un formato y además se debe proporcionar una computadora al cliente.

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Cуmo salir de un fichero de morosos, Economнa, EL MUNDO, como sacar un prestamo.

#Como #sacar #un #prestamo



Cуmo salir de un fichero de morosos

Un dнa cualquiera, en tu casa, cenando. Suena el telйfono. A esas horas, tu madre o alguien cercano, piensas. Al otro lado un desconocido te comunica que tienes un recibo sin pagar con tu operadora. Tъ frunces el ceсo y le dices que no puede ser, que pagas religiosamente todos los meses. Al tipo, que trabaja para una empresa de recobro, le da igual lo que le sueltes. En tu expediente hay nъmeros rojos. Al dнa siguiente empiezas las tediosas gestiones con tu operadora para deshacer el entuerto. Esa noche, el telйfono vuelve a sonar. El tono sube y se hace patente la amenaza de meterte en un fichero de morosos si no saldas la deuda.

No es un caso ficticio. Te roban la cartera y dan de alta un servicio a tu nombre. La suplantaciуn de identidad es mбs habitual de lo que cabrнa pensar. Segъn los ъltimos datos disponibles de la Agencia Espaсola de Protecciуn de Datos (AEPD), que es el organismo pъblico encargado de velar por los derechos de los ciudadanos en caso de ser incluido en un fichero de morosos, el 12% de las consultas es sobre estas listas de solvencia y recobro de deudas.

Ademбs del robo de identidad, la mala tramitaciуn de las bajas de un servicio y, en los ъltimos aсos, la crisis econуmica hacen que cada mes unas 150.000 personas sean introducidas en algъn fichero de morosos, segъn Ceaccu. Esta organizaciуn de consumidores denuncia que en muchos casos, las operadoras de telefonнa o elйctricas incluyen a cliente «por una cantidad mнnima de 17 euros que no refleja verdaderamente la situaciуn de solvencia de esa persona».

Tambiйn, es verdad, estбn los profesionales del impago, que saben que en poco mбs de un lustro, su mancha desaparecerб de todo registro.

Como sacar un prestamo

Caer de un fichero de morosos es fбcil, pero salir, en ocasiones, es un autйntico quebradero de cabeza. Si le han comunicado que debe dinero, estй de acuerdo o no con la deuda, estos son los pasos a seguir para salir de йl. Antes de nada, tenga paciencia, mucha paciencia.

Fase previa

Cuando se produce un descubierto, la compaснa acreedora debe contactar por con el cliente para comprobar si se debe a un error o no y se le da un plazo de entre dos y tres meses para rechazar o abonar la factura reclamada antes de ver su nombre en la lista negra de impagos. Si bien, no serнa el primer caso en el que la primera noticia se tiene directamente de una compaснa de recobro. La comunicaciуn deberнa ser por escrito. Estas notificaciones acarrean problemas cuando el usuario ha cambiado de domicilio.

їExiste una cantidad mнnima?

Cuando se trata de recibos, facturas o deudas con la administraciуn pъblica o el sector privado, no hay importe mнnimo. En cambio, si son letras, pagarйs o cheques, a partir de 300 euros. En el caso de crйditos, la seсal de alarma se activa a partir de 6.000 euros. Sepa que cuando la deuda es inferior a 2.000 euros, a las empresas no les compensa llevar a juicio al deudor.

Paga la deuda

Si ya le han incluido en un fichero, en ocasiones, no basta con pagar para salir. Porque usted estб en manos de la empresa a la que le debнa alguna factura. Es ella quien debe comunicar al bureau de crйdito (gestora de los ficheros) que usted ya ha saldado la deuda. Es decir, su expediente queda al albur de la diligencia de sus compaснa y, en muchas ocasiones, no serб igual de expeditiva para sacarle como cuando le metiу. Le llevarб tiempo y enfado con llamadas, mails, burofax varios para demostrar su contador estб a cero. Mejor, gestiуnelo usted directamente con el fichero. Йste tiene un plazo de 10 dнas para resolver su solicitud.

Como sacar un prestamo

їY si no estoy de acuerdo?

Aquн empieza su verdadero calvario. Demostrar que es un error no es sencillo. En paralelo a la burocracia exigida con su operadora de turno, el tipo del recobro seguirб llamбndole a ъltima hora con un tono cada vez mбs agresivo.

їDуnde denunciar?

Si cree que han vulnerado sus derechos o, si pese a saldar la deuda, no hay modo de que su nombre desaparezca, denuncie ante la Agencia Espaсola de Protecciуn de Datos. Las multas por incluir de forma irregular en un fichero van desde los 900 hasta los 600.000 euros.

їExiste un plazo mбximo?

Segъn la normativa de protecciуn de datos, una vez que pague, usted saldrб automбticamente del fichero. «No se guarda la informaciуn de manera histуrica», asegura Jaime Marнn, director de Estrategia de Experian, gestora del fichero Budescug. Es decir, no quedarб registro alguno de que en algъn momento uno fue un mal pagador. Aunque como ya se ha comentado, no siempre ocurre.

Ahora bien, si no paga, su mancha permanecerб en la lista negra un mбximo de seis aсos. A partir de ese momento, su deuda desaparece, la empresa de turno provisionarб ese saldo y santas pascuas.

Consecuencias

Durante esos seis aсos, su vida no va a ser fбcil. Se le cerrarбn las puertas de los bancos y de cualquier empresa de servicios. Nadie, a excepciуn de las no recomendables empresas de crйdito fбcil, le concederб un prйstamo y olvнdese de darse de alta en una nueva compaснa.

їQuiйn tiene acceso?

Ademбs de las entidades financieras y compaснas de servicios, tambiйn tienen acceso a los ficheros cualquier sociedad suscrita a los mismos.

Quй ficheros existen

En Espaсa existen unas 130 compaснas que elaboran registros de impagos. Asnef es el fichero de morosos por excelencia. Este acrуnimo responde a la Asociaciуn Nacional de Establecimientos Financieros. La base de datos estб gestionada por la multinacional estadounidense Equifax, quien obtiene la informaciуn de sus socios. A saber: bancos, operadoras de telefonнa, de servicios energйticos, aseguradoras. En йl uno cae por impago o discrepancias con una factura, por muy baja que sea.

Funciona de la misma manera Badexcug. Si bien, a йl acceden mбs organizaciones, como medios de comunicaciуn, ocio o industrias varias.

En el Registro de Aceptaciones Impagadas (RAI), propiedad de CCI y gestionado por Experian, estбn empresas y autуnomos por no pagar letras, pagarйs o cheques por un importe mнnimo de 300 euros.

El Fichero de Incidencias Judiciales incluye a todo aquel que tiene deudas con la administraciуn pъblica, ya sea con Hacienda, el ayuntamiento o la Direcciуn General de Trбfico.

La Central de Informaciуn de Riesgos del Banco de Espaсa (Cirbe) no es un fichero de morosos como tal, sino una base manejada por las entidades financieras donde aparecen todos aquellos ciudadanos que tienen concedido algъn tipo de crйdito a partir de 6.000 euros. Lo que busca es calificar el grado de endeudamiento de un cliente. Es decir, comprobar si uno es apto para obtener una nueva financiaciуn. No detallan ni entidades ni desagregan importes

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ATENCIÓN – Aula PT, atencion.

#Atencion



ATENCIÓN

Atencion

Atencion

A través de un documento muy interesante que encontrado en la red, elaborado por el Colegio de San Gabriel de la Comunidad Pasionista, inicio esta página que pretende dar pautas y herramientas de cómo trabajar la ATENCIÓN.

Mi objetivo será completar cada uno de los apartados que se proponen trabajar, con gran diversidad de materiales. Os animo a que deis pautas de cómo trabajáis estos aspectos, que pretenden ser sobretodo una ayuda a padres, por lo que estaría genial que las actividades que nos propusierais fueran aplicables también en casa.

Transcribo en cursiva aquí el documento del Colegio de San Gabriel.

AtencionExiste amplia documentación que insiste en la importancia que la atención juega en el proceso de aprendizaje así como en el propio rendimiento académico de los alumnos. Lógicamente, no es condición suficiente ni tampoco la única capacidad que entra en juego para poder obtener el éxito académico. Sin embargo, si es cierto que una defieciente capacidad de atención puede interferir en el propio aprendizaje, e incluso, en un rendimiento académico inferior a las posibilidades reales del alumno.

Por tanto, con la finalidad de orientar y facilitar el proceso de ayuda y refuerzo que la familia puede desarrollar en casa, ofrecemos algunas pautas y actividades que permiten trabajar y potenciarla capacidad de atención.

Algunas pautas que pueden resultar útiles a la hora de trabajar la atención son:

  1. Presentarlo siempre como un juego. En ocasiones podemos jugar con ellos para que se motiven aún más.
  2. Utilizar actividades variadas en cada momento para no permitir la fatiga y el aburrimiento.
  3. Practicar dos o tres veces por semana y no más de 15 min. (no más de 1 ó 2 fichas o actividades).
  4. Los mejores momentos para practicar en casa son, o bien antes de empezar, o cuando los niños ya llevan un tiempo realizando las tareas escolares (por ejemplo para cambiar de actividad o tema). No es conveniente dejarlo para el final pues la fatiga se habrá acumulado y no resultará efectivo.
  5. Es importante no facilitar en exceso la actividad o la tarea, es decir, ayudar sólo cuando sea necesario.
  6. No aclarar las dudas si el niño no ha estado atento. Es necesario que el niño realice un verdadero análisis de lo que se le propone.
  7. No se le deben señalar los errores sino más bien facilitar que el niño realice otra vez el proceso, el fin es que sea él mismo quien descubra los errores y por tanto la forma de no repetirlos.

Actividades para potenciar y estimular la atención:

Actividades que permiten trabajar y entrenar de manera específica la capacidad de la atención.

Asociación Visual

Atencion

Es una tarea que consiste en sustituir, asociar o relacionar con flechas, unos símbolos con otros. Es una actividad muy mecánica, que exige sobre todo concentración, ritmo de trabajo y persistencia al seguir una instrucción dada (resistencia a la fatiga).

INTENTA MEJORAR TU PROPIO TIEMPO.

JUEGOS DE MEMORIA.

Jeux de Pâques , plusieurs jeux de mémoire 6 pairages Nouveau 2009

– Juego de memoria tienes 30 segundos para encontrar las 8 parejas

ENCUENTRA EL MISMO MARCO Haz clic en las flechas debajo de los cuadros para cambiar las imágenes. Cuando creas que has encontrado la combinación correcta, haga clic en el botón Valider”. Si la respuesta es buena, que vea mostradas en OUI” en ambos lados, al momento aparecerá la nueva imagen. Hay 9 asociaciones.

Juego de memoria y atención de Alberto Abarca Fillat Atencion Atencion Atencion

Percepción de diferencias

Atencion

El análisis de dos dibujos aparentemente iguales exige del niño una capacidad de atención y un método en su análisis y observación.

Es una actividad que se puede plantear a partir de los 4-5 años a no ser que sean elementos muy evidentes. Para ello se sugieren las siguientes pautas:

– Visión general de la ilustración.

– Comparación por partes: visión parcial de una ilustración e inmediatamente comparar la misma porción o parte con la otra ilustración.

– Seguir rastreando con la vista las partes de la ilustración siguiendo un orden establecido. Por ejemplo, de derecha a izquierda, de arriba hacia abajo.

– Señalar con una marca (una cruz o una raya) cada diferencia (ausencia de detalle) que se encuentre.

– Hacer un recuento final para asegurarse de que se han encontrado todas las diferencias.



Abogados Criminalistas – Abogado de Defensa Criminalista y Inmigración – Abogados Penalistas en Casos Criminales y Inmigración, se necesita abogado.

#Se #necesita #abogado



Liga Abogados de Defensa Criminal y Inmigración en California.

Se necesita abogado

Se necesita abogado

Se necesita abogado

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Abogados Criminalistas

ABOGADOS CRIMINALISTAS

DELITO MENOR · FELONÍA · FEDERAL · INMIGRACIÓN

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LIGA DE ABOGADOS CRIMINALISTAS EN CALIFORNIA.

LIGA DE ABOGADOS CRIMINALISTAS EN CALIFORNIA.

Un delito menor es un delito con pena de hasta un año en prisión. El encarcelamiento no es siempre en una prisión, aveces es en una cárcel del condado o instalación similar. Más condenas de delito menor incluyen pago de una multa. También puede ser el requisito de servicio comunitario, libertad condicional y restitución. Establecido por la Constitución de los Estados Unidos, usted tiene el derecho a un juicio si acusado de un delito menor.

Mayoría de las veces, lo que hace un crimen o un delito grave o delito menor es la gravedad del delito. Por ejemplo, delitos de hurto en una cierta cantidad del dólar son generalmente delitos menores y delitos de robo sobre una cierta cantidad del dólar serán juzgados como delitos graves. Delitos relacionados con drogas, como posesión, son generalmente delitos menores, a menos que haya evidencia que sugiere la intención de vender, que hace que la carga de un delito grave.Delitos a considerar como delitos menores incluyen:

  • DUI/DWI
  • Robo
  • Vandalismo
  • Prostitución

Si un delito menor resulta en un castigo menor, todavía aparecerá en sus antecedentes penales.

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Los crimenes más graves son delitos graves. Delitos graves son penadas con penas de prisión de más de un año. Los castigos pueden ser severos y procedimiento del Tribunal debe respetarse estrictamente para proteger los derechos de los acusados. Delitos graves incluyen asesinato, violación, robo, secuestro o delito de incendiar. Delitos también son castigados en una variedad de maneras para que el castigo coincide con la gravedad del delito.

Delitos menores diferencian de delitos graves por la cantidad de tiempo en la cárcel que un delincuente convicto puede ser sentenciado a. Delitos se clasifican también por niveles de gravedad, según qué castigos que pueden imponerse.Clasificaciones de delitos son:

  • Venta de Drogas
  • Asesinato
  • Violación
  • Incendio
  • Venta de Drogas
  • Robo
  • Secuestro

Clasificación de delitos incluyen clase E o F, que son los niveles más bajos de robo, y suben a clase A, que llevan perpetua de una cadena en prisión o la pena de muerte. Asesinato o primer grado homicidio doloso son generalmente delitos de clase A.

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Delitos que violan las leyes federales de los Estados Unidos se conocen como “delitos federales”. Delitos federales son investigadas por la policía federal y perseguidos por Estados Unidos abogados en tribunales federales con jueces federales. Delitos federales no son siempre característicos del sistema federal. Muchas veces estos crímenes caen bajo estado o las jurisdicciones locales no habían ocurrido en propiedad federal de los Estados Unidos o en una reserva India.

Más procesamientos se producen a nivel estatal, municipal o de tribunales de condado. El gobierno federal tiene en materia penal cuando los Estados carecen de jurisdicción, incluyendo áreas específicamente reservadas al gobierno federal por la Constitución de Estados Unidos y en delitos que ocurren en la propiedad federal. Las autoridades federales pueden procesar también a ciertos delitos que, si bien normalmente gestionado por los Estados, se convierten en delitos federales por cruce de un estado a otro. En este tipo de casos, los fiscales federales y estatales pueden ser capaces de perseguir acciones separadas contra un acusado, a pesar de la protección de la quinta enmienda contra la “idem”.Clasificaciones de delitos son:

  • Fraude contra el Gobierno
  • Contrabando Drogas
  • Homicidio
  • Crimen de Odio
  • Venta de Documentos de Ciudadanía

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¿Necesita ayuda de Inmigración?

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Mobili usati in buone condizioni, vuoi liberartene, offerta cucina completa di elettrodomestici.

#Offerta #cucina #completa #di #elettrodomestici



Mobili usati in buone condizioni, cosa farne?

Stai traslocando e non sai cosa fare dei tuoi mobili usati?

Come spesso accade il trasloco si trasforma anche in un inventario: molto spesso infatti quando si trasloca si trovano oggetti, vestiti e mobili vecchi, inutilizzati o destinati a essere sostituiti nella nuova casa o nel nuovo ufficio nel quale andremo a traslocare. È inutile trasportare tante cose che poi non useremo mai e che, molto probabilmente, non sapremo dove mettere. Prima di traslocare bisogna quindi decidere cosa vogliamo fare di questi oggetti: la soluzione più semplice potrebbe essere, molto semplicemente, quella di buttarli via; talvolta però si tratta di oggetti che invece potrebbero tornare utili a qualcun altro, specialmente se parliamo di mobili o arredamenti usati… e magari il trasloco può diventare un’opportunità per liberarsi dei propri mobili vecchi guadagnando anche qualche Euro.

Durante il trasloco valuta le condizioni di mobili, arredamenti ed oggetti

Prima del trasloco vero e proprio è indispensabile valutare la buona condizione dei mobili durante la fase di selezione e imballaggio degli oggetti (se volete qualche consiglio per l’imballaggio potete consultare la nostra sezione articoli dove sono presenti molti ottimi suggerimenti su come imballare i vostri beni).

Quando abbiamo individuato gli oggetti dei quali intendiamo liberarci è consigliabile operare un’ulteriore selezione per scegliere se smaltire gli arredamenti e i complementi che non ci sono più utili. Lo smaltimento dei mobili può risultare problematico per un privato, è quindi il caso di valutare se ricorrere ai servizi offerti da un’azienda di traslochi che si può occupare per voi del corretto smaltimento dei mobili usati secondo le normative vigenti.

Per quanto riguarda mobili e arredamenti ancora utilizzabili e in buono stato, Battiston Traslochi vi offre:

  • di richiedere la quotazione diretta dei vostri mobili e arredamenti usati con pagamento immediato (in fase di ritiro);
  • un forte sconto sul trasloco che dovete fare, in cambio del ritiro/vendita diretta dei vs mobili vecchi (con ns acquisto).

Sei ancora convinto che i tuoi mobili usati non valgano nulla?

Grazie ai servizi di Battiston Traslochi il tuo arredamento usato può avere ancora un valore oppure ritrovare una nuova vita in un’altra casa o ufficio. Contattaci subito per maggiori informazioni o per un preventivo gratuito e senza impegno.

COSA ASPETTI?

Invia direttamente una mail con le FOTO e una breve descrizione dei mobili e accessori che si intende vendere unitamente alla CITTA’ e al PIANO dove si trovano i mobili a:

nel giro di massimo una settimana il nostro staff vi farà avere una QUOTAZIONE in merito (a nostro carico saranno le spese di trasporto e smontaggio, quindi la quotazione che il cliente riceverà, sarà già al netto delle spese legate al ritiro).

Il ritiro mobilia usata avviene al momento SOLO nel Nord-Est Italia; i ritiri verranno effettuati quando saremo in zona per altri viaggi (traslochi e/o ritiri). La mobilia verrà poi rivenduta presso il nostro mercatino dell’usato.



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

#Cars #with #cheap #insurance #rates



Auto Insurance

Get an auto insurance quote

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

Why Farmers Auto Insurance is a Smart Choice

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

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

Car insurance with Farmers means:

Control over your policy

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

Personalized attention

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

Insight and guidance

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

Convenience

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

Smart savings

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

24/7 protection

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

Customize your Auto Insurance policy with plenty of coverage options

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

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

Consider additional coverage options* like:

Accident Forgiveness

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

No Fault, No Foul

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

Small Claim Forgiveness

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

Incident Forgiveness

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

Farmers Rideshare

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

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

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

*Not available in all states.

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

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



Top Online Medical Billing and Coding Schools: Accredited Medical Billing and Coding School Degrees & Degree Programs, medical billing and coding online.

#Medical #billing #and #coding #online



Education Database Online

Now is a Great Time to Enroll in an Online Medical Billing and Coding School

Medical billing and coding online

By visiting the unique online school page for one of the eight medical billing and coding schools displayed below, you’ll be able to obtain comprehensive info to help you make an informed decision about where to enroll. Kaplan University, the highest ranking school below, will train students to become medical billing and coding specialists, medical billing specialists, medical administrators, medical secretaries, etc. and give them an outstanding chance at finding employment, directly comparable to an on-campus school. At present, according to the US Bureau of Labor Statistics there are 170,580 people employed as medical records and health information technicians alone in the US, and their average annual salary is $33,880. Emergency medical technicians and paramedics make on average $33,020 per year and there are about 217,920 of them employed today.

Ranked by Excellence

Medical billing and coding online

Kaplan University

Kaplan University is an institution of higher learning dedicated to providing innovative undergraduate, graduate, and continuing professional education. Our programs foster student learning with opportunities to launch, enhance, or change careers in a diverse global society. The University is committed to general education, a student-centered service and support approach, and applied scholarship in a practical environment.

Medical Billing and Coding Programs at Kaplan University

Medical billing and coding online

Penn Foster Career School

The mission of Penn Foster Career School is to empower adult learners to advance or change their careers, learn a new skill or gain personal satisfaction. The school strives to fulfill this mission by providing breadth and depth of courseware, applicable technology and a wide array of flexible services aimed at the needs of the adult learner. Programs not only teach current marketplace skills, but also present liberal arts offerings and develop critical thinking, writing and mathematical abilities. The mission is supported by an admissions policy that allows students with appropriate prior education to enroll in programs without regard to race, religion, gender, age, color, national origin or physical disability. Penn Foster Career School assesses fulfillment of its mission and achievement of institutional effectiveness through ongoing studies of student academic success, measurement of student satisfaction and evaluation of the career outcomes of graduates.

Medical Billing and Coding Programs at Penn Foster Career School

Medical billing and coding online

American Intercontinental University

American InterContinental University’s mission is to provide for the varying educational needs of a culturally diverse and geographically dispersed student body with the goal of preparing students academically, personally, and professionally for successful careers.

Medical Billing and Coding Programs at American Intercontinental University

Medical billing and coding online



Auto insurance discounters

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If you re struggling to pay your insurance premiums, you may want to consider raising your deductible. This can make those payments more manageable.

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We were honored to take part in the Polar Plunge this past weekend. But it sure was cold!

Auto insurance discounters

Sunny Saturday makes KC’s Polar Plunge almost ‘bearable’ — almost

Auto Insurance Discounters

If it s been a while since you ve done a puzzle, now is your excuse: It s National Puzzle Day!

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For those opening a new business this year: Plan ahead. Having everything in order can make for a smoother grand opening.

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Buying a new vehicle can be a stressful event, but buying insurance shouldn t be. Whether you re still at the dealership or just drove your new car home, getting a quote from us is easy. (816) 252-2255

Auto insurance discounters



Donare il sangue a Milano: quando, come e dove, dove donare il sangue.

#Dove #donare #il #sangue



Donare il sangue a Milano: quando, come e dove

Vorreste donare il sangue ma non sapete come e dove rivolgervi per farlo? Ecco un piccolo prontuario di indirizzi utili, orari e cose da sapere su come, dove e quando si puГІ donare il sangue a Milano. Partiamo dall’ associazione piГ№ nota in materia: l’AVIS. Di cui esiste un distaccamento milanese, l’AVIS Milano operante sul territorio ambrosiano con tre centri trasfusionali, rispettivamente in CittГ Studi (Largo Volontari del Sangue, 1), a Niguarda (Piazza Ospedale Maggiore, 3) e Lorenteggio (Via Murialdo, 9).

Il piГ№ attrezzato ГЁ il primo centro in cui oltre alla donazione tradizionale ГЁ anche possibile donare plasma e aferesi ed ГЁ quello in cui ГЁ consigliabile recarsi se siete nuovi donatori (ogni giorno dalle 7:30 alle 11:30, domenica inclusa). In ogni caso per un prospetto completo degli orari e degli indirizzi AVIS vi rimandiamo a questa pagina.

Il sito del Policlinico mette online uno specchietto molto chiaro dell’iter da seguire per diventare donatori presso le loro strutture. Sicuramente vale la pena di partire da lГ¬ per avere ragguagli. Le donazioni si svolgono dal lunedГ¬ al sabato con orario 8 – 14. Attenzione: ГЁ necessario eseguire la prenotazione chiamando i numeri 02.5503.4306 / 07 (attivi dalle 8 alle 16:30). Il centro trasfusionale del Policlinio si trova presso il Padiglione Marangoni. Info, contatti, recapiti, orari e indirizzi li trovate comunque in maggior dettaglio presso questa pagina.

Per concludere questa breve panoramica sulle opportunitГ di donazione nell’urbe meneghina ci rivolgiamo al San Raffaele. Presso la cui struttura si producono ogni anno 6000 unitГ di sangue. Anche il San Raffaele mette a disposizione dei propri donatori un check-up completo. Inoltre dal 2002, il San Raffaele ha messo a punto un progetto ambizioso e altamente tecnologico: il progetto Baobab (B-A-O-B-A-B, come i gruppi sanguigni); un centro mobile altamente attrezzato per raccogliere donazioni in luoghi di aggregazione quali quelli aperti (vie e Piazze) e le principali sedi universitarie.



NJ Business and commercial auto insurance coverage, commercial auto insurance in nj.

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NJ Commercial Auto Insurance Quotes, Trucking-Busing And Business Fleets

Get quick help and coverage with NJ Commercial Auto Insurance, business use vehicles to large commercial trucking or bus fleet coverage.

Get quick help and coverage with NJ Commercial Auto Insurance Brokers.

We will compare our list of our available companies that may offer you quotes.

Commercial auto insurance in nj Here is a view of the most insured type for a business auto policy.

Commercial or business auto insurance covers a large variety of business types and vehicles from extra heavy tractor trailers to the single vehicle handyman. When getting quotes it will be easier if you have license numbers and vehicle registrations or VIN S along with prior company loss history to make quoting easier accurate.

If you have been refused commercial auto insurance for your business compare rates from the state assigned risk plan.

Many companies require that you have current dated drivers history reports that shows all moving violations and usually list accidents. The report does not usually show what party was at fault in any of the accidents, that is why it is important to have your loss runs or loss history reports for 3-5 years if possible.

Some quotes may be able to bind immediately, while some make take a couple of days. In the worst case scenario the NJCAIP policies may have a 17 day waiting period before coverage may become active.

Discuss this and any other questions with your agent, broker or company to make sure that you do not have any problems.

Consumers and business owners use our Producers contact form to get quick help with NJ Commercial Auto Insurance Coverage.

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Online Medical Billing and Coding Schools, accredited medical billing and coding schools.

#Accredited #medical #billing #and #coding #schools



Online Medical Billing and Coding Schools

Obtaining formal education regarding medical billing and coding procedures is one of the more popular certifications pursued by students who want to work in the medical field but do not want to spend several years in school. A medical biller and coder handles administrative tasks for a healthcare provider or medical facility that involve submitting accurately coded insurance claims to health insurance companies in order to receive payment from the insurance company.

Medical billing and coding specialists also answer questions about claims, posts payments and remain in contact with patients and insurance companies concerning claims that have been rejected or are pending following a review of the services listed on the claim. In addition, they may also be in charge of turning unpaid accounts over to collection agencies after a certain amount of time has elapsed between the patient receiving the bill and the last payment received, if any.

Accredited medical billing and coding schoolsCoding a health insurance claim involves attention to accuracy, detail and the ability to determine the correct code number for the patient s injury, illness, disease and treatment rendered by the physician. Also referred to as medical classification , medical coding uses alphanumeric or numeric strings that indicate the implementation of various items by a physician that are necessary to process an insurance claim. For example, a code that reads XX990 may be the code for acute bronchitis . If the bronchitis was accompanied by a fever, the code may have an additional number or letter, such as XX99044 , meaning bronchitis with fever .

Thousands of such codes exist to describe an extensive list of medical conditions, procedures and treatment plans. However, because it would be nearly impossible to remember them all, people working as medical billing and coding specialists have access to the CPT 2012 book (Current Procedural Terminology) published by the American Medical Association. This book contains up-to-date information such as billing guidelines for various health insurance companies, hundreds of defined codes and Medicare/Medicaid rules.

Interested in Medical Billing and Coding?

Health Insurance Portability and Accountability Act

All online medical billing and coding schools will include classes about HIPAA, or the Health Insurance Portability and Accountability Act enacted in 1996. This act affects anyone who is employed in some way with the healthcare industry because it is meant to protect a patient s privacy. Contact information, medical records, birth date and even benefit entitlements are all guarded by this act, whether it is an electronic, spoken or written record of the patient s interaction with a medical facility. It is especially important to medical coders and billers because they have immediate access to such personal information and are primarily responsible for not divulging this information to anyone but the insurance company and individuals specified by the patient. Click here to learn more about HIPPA.

HIPPA Video

This video provides a complete overview on HIPPA.

Additional Courses

According to a recent survey conducted by the AAPC (American Academy of Professional Coders), respondents holding medical billing and coding positions reported that nearly 85 to 95 percent of their job consisted of coding insurance document. The remainder of their time involved billing and administrative duties. For this reason, some schools suggest that students consider enrolling in at least one or two business courses while also participating in their regular billing/coding program. Learning digital record keeping procedures using software programs such as Access, Excel and different medical office software will enhance your chances with employers searching for the most skilled and knowledgeable medical billing and coding specialists. Click here visit the AAPC website.

Online Medical Billing/Coding Programs

Accredited medical billing and coding schoolsPenn Foster Career Schools offers a certification in medical billing and coding that takes only six months to complete, with low tuition rates, customized payment plans or 0 percent APR financing for students on a budget. Cost of the program is $730 when paid in full and $800 to $890 when choosing a payment plan. In addition, flexible class scheduling also allows busy students the ability to extend the six month program for as long as they need to complete assignments and exams.

Penn Foster is accredited by the Commission on Secondary Schools of the Middle States Association of Colleges and Schools and the Accrediting Commission of the Distance Education and Training Council, which is a member of the Council for Higher Education Accreditation.

To be eligible for participation in an online medical billing and coding course, students need to have a high school diploma or GED (general equivalency/education diploma) and either scan or fax a copy of the document to the school s administrative office.

Certified Coding Specialist Exam

All students graduating from the Penn Foster medical billing and coding program (as well as other accredited online schools offering the program) are eligible to take the Certified Coding Specialist exam (given by the American Health Information Management Association) and the Certified Professional Coder exam (given by the American Academy of Professional Coders). Although graduates are not required to take these examinations following certification, successfully completing one or both of these tests demonstrates a person s excellent coding skills along with other administrative qualities that are attractive to potential employers.

Meditec Medical and Billing Training

Accredited medical billing and coding schoolsWith more than 40 years experience in medical billing and coding training, Meditec provides students with classes that involve coding nearly 650 real inpatient/outpatient charts as well as instruction in medical terminology and health insurance documentation practices. The school is state regulated and the price of tuition includes everything a student will need to successfully obtain certification in medical billing and coding procedure.

Other popular and accredited online schools offering certification in medical billing and coding include Colorado Technical University Online, Everest University Online and Kaplan Continuing Education programs.

Financial Assistance

To determine whether a student is eligible for federal financial assistance, schools recommend you fill out and submit a FAFSA (Free Application for Federal Student Aid). For those with incomes below a certain level, the federal government may provide students with Pell Grants that will pay for the cost of attending an online medical coding and billing school. Pell Grants do not need repaid and any amount left over after tuition has been paid can be used by the student to purchase books and supplies.

To successfully submit a FAFSA online, students will need to access and transmit the following information to the Department of Education:

  1. Driver s license or other picture ID card
  2. Social Security card
  3. Previous year s income tax forms (if applicable)
  4. Child support documentation
  5. Proof of any income obtained from scholarships, fellowship aid or grants

The school listed on the FAFSA in which a student plans to enroll is usually notified within six weeks of a student sending the form regarding his or her eligibility. That school will then contact the student to complete financial aid forms or discuss payment options if the student is ineligible for financial aid.

Employment Outlook for Medical Billing and Coding Opportunities

The most recent edition of the Occupational Outlook Handbook reports that as with all professions dealing with the healthcare industry, medical billing and coding jobs are expected to increase as much as 20 percent by 2018. Experienced medical records specialists have the potential to earn $50,000 annually, depending on where the position is geographically located and type of medical facility.

Busy urban area hospitals and clinics will pay more for expert medical billers and coders than smaller emergency care establishments located in rural areas. However, the Bureau of Labor Statistics indicates that this type of employment is one of the more stable occupations available and has continued to project a high demand for certified billers and coders over the past decade.



Licenza di trasferimento: L AVVOCATO RISPONDE, avvocato risponde.

#Avvocato #risponde



Licenza di trasferimento.

Il forum su Sicurezza, Difesa e Giustizia

Regole del forum

Licenza di trasferimento.

mer set 07, 2011 4:51 pm

Avrei bisogno di capire se ne ho diritto o meno, visto che la nostra pubblicazione è un po’ dubbiosa.

Premetto che sono un carabiniere.

Dunque sto per essere trasferito da una Regione ad un’altra.

sono sposato e la mia famiglia vive gia’ da alcuni anni e continuerà a vivere nell’abitazione sita nel mio paese. non devo fare nessun cambio di residenza ne allacci di acqua, corrente, ect.

sono attualmente autorizzato a viaggiare e quindi a risiedere in un comune diverso dall’attuale sede di servizio.

in poche parole quello che chiedo è se mi spettano 20 giorni di licenza di trasferimento, anche se non devo effettuare nessun trasloco ma solo ai fini della riorganizzazione della famiglia. così come è riportato (ma non bene specificato) nella nostra pubblicazione.

Si gradiscono anche riferimenti normativi.

Re: Licenza di trasferimento.

mer set 07, 2011 5:24 pm

Re: Licenza di trasferimento.

gio mag 02, 2013 4:29 pm

ma cosa devo dimostrare ? nel punto 2c cita: " Fermo restando il presupposto del movimento

da effettuare in una nuova sede di servizio, si chiarisce che con i termini “trasloco” e “riorganizzazione familiare”si intendono non solo il trasporto materiale di mobili e masserizie e le esigenze di ripristino della normale vita di relazione di più soggetti facenti parte del nucleo familiare, ma anche il semplice cambio di abitazione, con i conseguenti adempimenti di natura anagrafica e materiale che esso

comporta. La sussistenza delle esigenze sopra citate è invocabile anche da parte della

famiglia mono-componente." se qualcuno puo’ darmi un aiuto sulla situazione. Grazie in anticipo.

Re: Licenza di trasferimento.

sab mag 11, 2013 4:17 pm

Nel 2008 ho fatto istanza di mutuo cambio con un collega ed ottenni il trasferimento a domanda.



Mondial Granit S, proprietà industriale e intellettuale.#Proprietà #industriale #e #intellettuale



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Il Sito ГЁ di proprietГ di Mondial Granit S.P.A., S.P. Chiaramente Gulfi Km 8,2 – Chiaramonte Gulfi (RG).

Utilizzo del sito e limitazione di responsabilitГ

In nessun caso la Mondial Granit S.P.A. potrГ essere ritenuta responsabile dei danni di qualsiasi natura causati direttamente o indirettamente dall’accesso al sito, dall’incapacitГ o impossibilitГ di accedervi, dall’utilizzo degli strumenti interattivi.

Accesso a siti esterni collegati

La Mondial Granit S.P.A. non ha alcuna responsabilitГ per quanto riguarda i siti esterni ai quali ГЁ possibile accedere tramite i collegamenti posti all’interno del sito. Con il collegamento ad altri siti, si esce volontariamente dal sito e si viene indirizzati verso le pagine web dei relativi siti diversi dal presente sito web, pertanto l’utente si assume tutti i rischi correlati a tale decisione e la Mondial Granit S.P.A. non puГІ essere ritenuta responsabile del contenuto dei siti accessibili tramite links che non sono sotto il suo controllo. Fatti salvi gli accordi con terzi interessati, la Mondial Granit S.P.A. si riserva il diritto di eliminare in ogni momento qualsiasi link o collegamento ad altri siti.

Privacy

In conformitГ alle prescrizioni previste dal Testo Unico sulla Privacy in materia di protezione dei dati personali si rende la seguente Informativa ai sensi del D.Lgs n. 196 del 30/06/03.

FinalitГ del trattamento

I dati personali da Voi forniti potranno essere trattati unicamente per le seguenti finalitГ :

  • Adempimenti connessi: a norme civili, fiscali e contabili; alla gestione amministrativa del rapporto; all’osservanza degli obblighi contrattuali; al supporto e all’informazione in merito ai servizi da voi acquisiti;
  • Informazione su future iniziative e su annunci di nuovi servizi da parte della societГ .

ModalitГ del trattamento

Il trattamento dei dati ГЁ basato sui principi di correttezza, di legalitГ e trasparenza, in modo da tutelarne la riservatezza e i diritti. Il trattamento dei dati personali ГЁ effettuato per le finalitГ di cui sopra, in conformitГ a quanto stabilito dall’articolo 11 del D. Lgs. n. 196/2003, con o senza l’ausilio di mezzi elettronici o comunque automatizzati, nel rispetto delle regole di riservatezza e di sicurezza previste dalla normativa vigente. Esso potrГ comprendere una o piГ№ tra le seguenti operazioni sui dati: raccolta, registrazione, organizzazione, conservazione, elaborazione, modificazione, selezione, estrazione, raffronto, utilizzo, interconnessione, blocco, comunicazione, diffusione, cancellazione e distruzione dei medesimi dati. I dati saranno conservati per un periodo di tempo non superiore a quello necessario agli scopi per i quali essi sono stati raccolti o successivamente trattati conformemente a quanto previsto dagli obblighi di legge.



Atlantis Club – Offerte: Porto Santo, viaggi offerte maggio.

#Viaggi #offerte #maggio



Porto Santo

Vila Baleira Thalassa

Porto Santo

15 giorni/14 notti € 990

15 giorni/14 notti € 990

15 giorni/14 notti € 999

15 giorni/14 notti € 1.240

15 giorni/14 notti € 1.300

16 giorni/14 notti € 1.300

15 giorni/14 notti € 1.455

15 giorni/14 notti € 1.490

15 giorni/14 notti € 1.640

15 giorni/14 Notti € 1.490

15 giorni/14 notti € 1.530

15 giorni/14 notti € 1.920

15 giorni/14 notti € 2.250

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15 giorni/14 notti € 1.870

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15 giorni/14 notti € 1.250

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15 giorni/14 notti € 1.050

15 giorni/14 notti € 990

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15 giorni/14 notti € 850

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15 giorni/14 notti €В

Supplementi, riduzioni e condizioni come indicato a catalogo I Villaggi 2018. Quote individuali settimanali soggette a disponibilitГ limitata.

Spese accessorie obbligatorie da aggiungere:

  • Quota di gestione pratica: € 79 per ogni adulto, bambino e infantВ
  • Tasse, oneri e servizi aeroportuali: € 72 da Milano Malpensa per ogni adulto e bambino; gratis per gli infant
  • Polizza assicurativa: € 35 per ogni adulto, € 25 per ogni bambino e gratis per gli infantВ В

Navetta gratuita da e per Milano Malpensa da Verona, Bergamo e Brescia, con supplemento di € 60 da Bologna (garantita minimo 6 persone).В

Ricerca Offerte

Visualizza Catalogo

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

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Please call 877-276-9429 for quotes at face amounts other than those shown above.

This Level Term Life insurance policy (policy form series TCL-LPT.1) is issued by TIAA-CREF Life Insurance Company (TIAA Life) New York, NY.

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

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

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

Deposit and lending services and products are provided by TIAA, FSB. Member FDIC. Equal Housing Lender Term life insurance estimate. TIAA Direct and EverBank are divisions of TIAA, FSB.

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

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

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

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

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Festival del mondo antico, mondo antico.

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Festival del mondo antico

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PARTECIPARE AL FESTIVAL

LUOGHI

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UFFICIO STAMPA

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VIDEO

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ANTICO/PRESENTE-FESTIVAL DEL MONDO ANTICO XIX 2017

2000eDieci anni di Domus del Chirurgo

I FERRI DEL MESTIERE

La cultura del prendersi a cuore

Nel decimo anniversario della sua apertura al pubblico la Domus del Chirurgo и stata al centro della scena della XIX edizione del Festival del Mondo Antico, da lei ispirata.

Nei giorni del Ponte dell’Immacolata migliaia di persone hanno visitato il sito archeologico e il Museo della Cittа e partecipato con grande interesse agli eventi che il festival ha dedicato a questo importante ritrovamento. Una scoperta capace di attrarre l’attenzione non solo dei cittadini e dei turisti, degli adulti e dei ragazzi, ma anche di conquistare sempre piщ la scena internazionale degli studi nel campo dell’archeologia e della storia della medicina.

Particolarmente seguiti nel Festival sono stati gli appuntamenti che hanno visto gli studiosi comunicare novitа e aggiornamenti sulla lettura dello scavo e dei materiali che approfondiscono le conoscenze della medicina nel mondo antico. E che hanno inoltre evidenziato l’unicitа del ritrovamento che sempre piщ si qualifica quale punto di riferimento per chiunque voglia esplorare la medicina di etа classica, come dimostrato dagli interventi al Festival di relatori stranieri.

Molto apprezzate le proposte che hanno avvicinato il pubblico attraverso le ricostruzioni storiche e le attivitа esperenziali, proposte che hanno coinvolto il pubblico di tutte le etа. Come sempre entusiastica la risposta dei giovani che hanno partecipato numerosissimi agli eventi dedicati alle Scuole ad apertura della manifestazione. Ma che anche sono stati protagonisti di laboratori e visite guidate o attivamente partecipato all’organizzazione come i volontari del Servizio Civile e gli studenti dell’Istituto “Marco Polo” coinvolti nel progetto di “Alternanza Scuola-Lavoro”.

Oltre agli appuntamenti con ospiti noti anche al grande pubblico, tra i quali Alessandro Barbero, Remo Bodei, Giovanni Brizzi, Monica Centanni, il pubblico ha seguito con interesse gli incontri. affidati a esperti di altissimo livello, da Luigi Capasso a Francesco Maria Galassi, da Marino Niola e Elisabetta Moro a Sergio Sabbadini, da Fabio Isman a Giovanni Camilleri, da Piero Boitani a Jacopo Ortalli, da Stefano De Carolis a Ralph Jackson, da Maria Giuseppina Muzzarelli a Patrizia Magnani, da Andrea Lollini a Marco Guidi, da Pino Donghi a Kristina Killgrove, da Denise Lombardi a Sonia Migani ad Anna Bondini

L’omaggio al Festival di Carlin Petrini e il reading di Alessandro Vanoli e Lino Guanciale a chiusura della manifestazione, cosм come tutti gli interventi, hanno colto aspetti diversi del “prendersi a cuore”, chiave di lettura dell’edizione 2017 che ha ispirato anche le mostre inaugurate nella tre giorni: Affreschi romani ad Ariminum, a cura di Francesca Fagioli, Riccardo Helg, Angelalea Malgieri, Monica Salvadori, nata all’interno del progetto scientifico Tect dell’Universitа di Padova/dBC (fino all’11 febbraio) e La Seconda Soglia, installazione di Elisabetta Casella nell’ambito del progetto di Denise Lombardi e Francesca Fiorito in collaborazione con l’ISUR (Scuola Superiore di Filosofia Orientale Comparativa (fino al 7 gennaio).



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

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  • Average Car Insurance Rates by ZIP Code, compare auto insurance rates.

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    Speciale bimbi gratis, I Viaggi del Turchese, voli e soggiorni low cost.

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    altro.

    IL BIMBO VA IN VACANZA CON TE

    CONDIZIONI VALIDE DAL 01/11/2017

    Volo e soggiorno completamente gratuiti per la maggior parte dell’anno in tutti gli hotel con la formula PLATINUM e GOLD.

    Bimbi gratuiti anche a Capodanno ed in agosto!

    Diritto fisso bimbo di Euro 149 piГ№ oneri vari per Spagna, Grecia, Turchia, Tunisia, Egitto e Giordania.

    Diritto fisso infant di Euro 99 piГ№ tasse aeroportuali**

    Abbiamo previsto di offrirvi speciali agevolazioni per i bambini. Per alcuni hotel le agevolazioni riguardano due bimbi per famiglia.

    Cerca il simbolo. Questi sono i simboli che trovate riportati nelle pagine accanto alle tabelle

    Le agevolazioni qui riportate riguardano i bimbi di etГ compresa tra:

    00 – 02 anni (non compiuti alla data di rientro dal viaggio): INFANT

    02 – 12 anni ( non compiuti alla data di rientro dal viaggio): CHILDREN

    GratuitГ e riduzioni si intendono sempre in aggiunta a due passeggeri paganti la quota intera.

    La gratuitГ viene generalmente riconosciuta ad un solo bimbo a famiglia, salvo diversamente specificato nelle singole tabelle prezzi.

    La riduzione puГІ essere applicata anche a due bimbi per camera. In alcuni hotel, nelle camere standard, ГЁ previsto un solo letto aggiunto anche nel caso di 2 adulti con 2 bimbi che beneficino di gratuitГ o riduzione (vedi il dettaglio nelle tabelle dei prezzi).

    Le agevolazioni per i bambini sono applicabili solo sui pacchetti con formula PLATINUM e GOLD che prevedano lutilizzo dei nostri voli speciali (non sono previste in caso di voli di linea o low cost) e si applicano alla prima settimana di soggiorno (vedi singole tabelle). Per la seconda settima na si dovrГ considerare la riduzione relativamente ai soli servizi alberghieri (identificabili con la voce “settimana supplementare”), come indicato nella tabella prezzi in relazione alla corrispondente stagionalitГ . Particolari restrizioni sono possibili per il mese di agosto: in questo periodo la gratuitГ ГЁ sempre riconosciuta solo sulla prima settimana di soggiorno; la settimana supplementare e lestensione mare che iniziano nel periodo compreso tra il 28 luglio ed il 30 agosto prevedono solamente la riduzione del 50% sul prezzo del solo soggiorno (inteso come settimana supplementare), salvo diversa indicazione nelle singole tabelle.

    Per i pacchetti con la formula LAMPO i bambini (02-12 anni) hanno una riduzione forfettaria riportata in ogni singola tabella che si applica sia sulla settimana base che sulle eventuali settimane supplementari. In tutti glihotel gli infant beneficiano della gratuitГ completa. Culla e pasti sono normalmente da pagare in loco. Gli infant non hanno diritto al posto a sedere sullaereo e non beneficiano della franchigia bagaglio.

    *Per i bimbi in caso di gratuitГ sono sempre dovuti il diritto fisso di Euro 149 per la Spagna, Grecia, Turchia, Tunisia, Egitto e Giordania, la tassa discrizione di Euro 67, oneri, tasse e assicurazioni voli charter, adeguamento carburante, carbon tax, contributo obbligatorio per i cenoni di Natale e Capodanno (ove indicati in tabella) e qualsiasi supplemento indicato nelle singole tabelle.

    **Per gli infant ГЁ sempre dovuto il diritto fisso di Euro 99 ed eventuali tasse aeroportuali.

    N.B.: Lapplicazione della “gratuitГ ” a favore dei bambini di etГ compresa fra 02 e 12 anni (non compiuti alla data del rientro del viaggio), ГЁ soggetta a disponibilitГ ; tale possibilitГ sarГ pertanto riconfermata al perfezionamento della prenotazione. Ad esaurimento delle gratuitГ verranno applicate le riduzioni duso: 50% del costo del soggiorno e riduzioni previste dal pacchetto self per i voli speciali.

    Riduzioni possibili solo sui voli speciali operati da TUI Italia e per massimo un bimbo per famiglia.

    N.B.: L’applicazione della "gratuitГ " a favore dei bambini di etГ compresa fra 02 e 12 anni (non compiuti alla data del rientro del viaggio), ГЁ soggetta a disponibilitГ ; tale possibilitГ sarГ pertanto riconfermata al perfezionamento della prenotazione. Ad esaurimento delle gratuitГ verranno applicate le riduzioni d’uso: 50% del costo del soggiorno e riduzioni previste dal pacchetto self per i voli speciali.

    SELF: Riduzione prevista per bimbi da 02 a 12 anni (non compiuti): Euro 50 per Baleari e Costa del Sol, Grecia, Tunisia e Turchia, Euro 80 per Canarie e Egitto. Riduzione possibili solo sui voli speciali operati da TUI Italia e per massimo un bimbo per famiglia.



    Gregge di pecore invade la 131 dcn, pericolo per gli automobilisti – Cronaca – L – Unione, pericolo.

    #Pericolo



    Gregge di pecore invade la 131 dcn, pericolo per gli automobilisti

    Mercoledì 14 Marzo alle 08:41

    Il gregge sulla 131 dcn

    Traffico bloccato da un gregge di pecore che ha invaso la 131 dcn al chilometro 95, allaltezza di Siniscola.

    Sul posto sono intervenuti i carabinieri; gli animali sono senza custodia e la loro presenza sulla carreggiata rappresenta un grave pericolo per gli automobilisti.

    L’allevatore verrà denunciato.

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    Home Page – Dia Sotto le Stelle, film delle stelle.

    #Film #delle #stelle



    CameraServiceMilano

    CameraServiceMilano offre gratuitamente la pulizia delle apparecchiature reflex Canon.

    REGISTRAZIONE OBBLIGATORIA PER OTTENERE L’ASSISTENZA GRATUITA!

    Dal 2017 per ottenere l’accesso al servizio di pulizia dell’attrezzatura reflex Canon ГЁ necessario effettuare la registrazione. La registrazione ГЁ gratuita ma INDISPENSABILE per poter usufruire del servizio.

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    Lido Gastone Andreella – Andreella Photo

    Lido, da 26 anni Г© l’ideatore, l’organizzatore e l’anima artistica di Dia Sotto le Stelle. In qualitГ di “Deus Ex Machina” seleziona tutte le mostre, gli audiovisivi e gli invitati all’evento, tenendo sempre alto il livello dei lavori presentati al pubblico. [www]

    • Canon PRO Partner Livello 1
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    Canon ГЁ leader mondiale nel campo dell’Imaging e delle soluzioni digitali per la casa e l’ufficio. Fin dal primo anno, Canon Italia Г© stato il partner principale di Dia Sotto le Stelle. [www]

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    Il quotidiano online della provincia di Varese. Informazioni su attualitГ , cronaca, arte, cinema, libri, teatro e tempo libero nella provincia di Varese. Dal 2017 ГЁ il media partner ufficiale di Dia Sotto le Stelle. [www]

    DigitaLife – il film

    Come cambia la vita con internet? Raccontalo inviandoci con un filmato!

    Partecipa al film-evento organizzato da VareseNews in occasione dei 20 anni.

    In collaborazione con RAI Cinema e la Fondazione Ente dello Spettacolo.

    Regia di Francesco G. Raganato, da un’idea di Marco Giovannelli e Manuel Sgarella.

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    CittГ di Busto Arsizio

    La CittГ di Busto Arsizio ГЁ un vivace centro culturale, oltre che un moderno centro industriale e commerciale, ricco di luoghi di interesse museale ed artistico.

    Luogo magico e accogliente, con il pubblico “sotto le stelle”, circondati da immagini proiettate sui muri e con le mostre sotto il colonnato, si otteneva una miscela di grande impatto visivo. [www]

    MalpensaFiere

    Posto nel cuore del piГ№ importante bacino economico italiano, a pochi chilometri da Milano e a 10 minuti di auto dall’aeroporto internazionale di Malpensa, dal quale prende il nome, MalpensaFiere ГЁ un centro espositivo polifunzionale parte viva del territorio varesino.

    Dia Sotto le Stelle in MalpensaFiere ha trovato la nuova casa, dopo che il cortile Municipale ha iniziato a diventare troppo piccolo in rapporto al grande afflusso di pubblico. Comodo, superaccessoriato e con ampi parcheggi, ГЁ oggi il luogo ideale per ospitare un grande evento. [www]

    FIAF – Federazione Italiana Associazioni Fotografiche

    La FIAF ГЁ un’associazione nata con lo scopo di divulgare e sostenere la fotografia amatoriale, con sede a Torino. Riunisce circoli fotografici e i loro associati, come pure singoli fotografi, ponendosi alla loro attenzione attraverso un ventaglio di attivitГ legate alla fotografia. [www]

    DIAF – Dipartimento Audiovisivi

    Il DiAF è il Dipartimento Audiovisivi della FIAF – Federazione Italiana Associazioni Fotografiche – e costituisce il punto di riferimento per i fotoamatori che intendono realizzare un Audiovisivo Fotografico. [www]

    AIDAMA – Associazione Italiana degli Autori di Multivisione Artistica

    AIDAMA ГЁ una associazione culturale non profit che intende promuovere la Multivisione in Italia, essere punto di riferimento preciso e coinvolgente per gli appassionati di Multivisione e contribuire alla crescita artistica e tecnica dei soci. [www]

    FIAP – FГ©dГ©ration Internationale de l’Art Photographique

    La Federazione Internazionale Arti Fotografiche, ГЁ un’organizzazione internazionale composta da piГ№ di 85 associazioni associazioni nazionali di fotografia, con un bacino di quasi un milione di singoli fotografi. Dia Sotto le Stelle, ormai da diversi anni, ha il privilegio di ricevere il riconoscimento “Auspices de la FIAP”. [www]

    AIF, Associazione Italiana Foto e Digital Imaging

    AIF, Associazione Italiana Foto e Digital Imaging (nota anche come AIFOTO) dal 1979 rappresenta l’intera filiera del mondo della fotografia e dell’imaging: dai produttori e importatori ai grossisti, ai laboratori fotografici, ai punti di vendita. L’Associazione ha per oggetto e fine quello di svolgere ogni attivitГ culturale, promozionale, didattica, formativa, scientifica e pratica diretta allo sviluppo ed alla promozione della fotografia e dell’imaging, alla sua divulgazione, all’organizzazione di convegni , di eventi fieristici, di ricerche di mercato, di attivitГ editoriali, di comunicazione, divulgazione, informazione e formazione dirette agli associati, a terzi, ai media. [www]

    A.F.I.P. International – Associazione Fotografi Professionisti

    L’Associazione Fotografi Professionisti A.F.I.P. International ГЁ stata fondata nel 1960 da Aldo Ballo, Davide Clari, Mario Dainesi, Edoardo Mari, Paolo Monti, Italo Pozzi, Alfredo Pratelli e Gian Sinigaglia. Attualmente il presidente ГЁ Giovanni Gastel. [www]

    Ascofoto

    L’Ascofoto ГЁ l’associazione dei negozianti e professionisti del settore fotografico. L’Ascofoto si propone di rappresentare tutti gli operatori del settore fotografico con questo slogan: “professionalitГ , rappresentanza, innovazione, cultura e rispetto” [www]



    10 Tips for Resident Physicians on Buying Disability Insurance, disability insurance doctors.

    #Disability #insurance #doctors



    10 Tips for Resident Physicians on Buying Disability Insurance

    Apr 1, 2015 10:00:00 AM

    Disability insurance doctors

    “If you get hurt or become too sick to work, what happens to your income?” It’s one of the first questions that Scott Dial, a disability-income expert who works with TMA Insurance Trust, asks medical residents and new physicians. For some people — 40 percent, to be exact — that answer is usually “I don’t know” followed by “I think my employer has something,” or “my spouse will have to work.” The average healthy person is rarely counseled on handling a disability.

    Although most of us don’t expect to get sick or injured, the Social Security Administration released a paper last year stating that more than 25 percent of today’s 20-year-olds will become disabled before they retire. That’s a scary thought. Even scarier to think that you, as medical resident just starting your career, could face an illness or injury that prevents you from completing your employment responsibilities.

    Unfortunately, control over the future is rarely possible. That’s why buying disability insurance now is so important. But knowing which disability insurance to purchase can be confusing, so here are ten tips to help you make the right decision.

    10 Tips for Purchasing Disability Insurance

    Group Insurance: Most residency programs actually have a group policy in place that will be provided for you. Group insurance, which is issued to your organization, is a non-discriminatory policy with a typical benefit level range of $2,000-$3,500. One of the cons to a group policy is that they tend to be a little less comprehensive than individual policies because it must cover an entire population of people. Plus, when you complete residency, you’ll most likely lose the plan as group plans are not portable. It’s important to note that benefits received from most group plans are taxable income since the employer usually pays the premium.

    Research Based Decisions – Considering your career choice, you are most likely someone who educates him or herself on the facts. There has been much research on the potential to become disabled and one fact is that Americans underestimate their risk. According to the February 2013 Fact Sheet from the Social Security Administration, 64% of wage earners believe they have a 2% or less risk of becoming disabled during their career; this number is actually around 25%. Furthermore, in a 2012 study, there were over 2.5 million workers in their 20s, 30s and 40s who became disabled, according to Disabled Worker Beneficiary Data. So, while many of us like to think we are invincible, studies show this is not the case. Statistics like these show just how important having disability insurance truly is.

    Take Advantage of Lower Rates – It’s easier and less expensive to get disability insurance while you are young and healthy.

    Inquire About Future Purchase Options – Ask your advisor if your plan has a Future Purchase Option Rider, which allows you to increase coverage once your salary increases after residency. Having this rider will allow to increase coverage without having to undergo health underwriting.

    Own Occupation Provision – Own occupation states that a benefit is paid to you if you cannot work in your occupation, or medical specialty, due to an illness or injury. There is no reduction in benefit if income is earned in another medical specialty or occupation.

    Ask About Residual Riders – While your advisor can give you all of the specifics, simply put, a residual rider will allow you to receive partial benefits if you endure a 15 – 20% or more loss of earnings. This percentage is specific to each insurance provider, so make sure you ask your advisor to get the full details.

    Add a COLA Rider – Another beneficial rider to add, if you do happen to become sick or injured, is a Cost Of Living Adjustment, or COLA Rider. This rider increases your benefit to account for inflation, as long as you are claiming benefits for more than a year.

    Though no one wants to think about the possibility of becoming injured or sick, the odds prove it is wise to invest in your financial future with disability insurance protection no matter how young you are in your career. Hopefully these ten tips will help you find the right disability plan to protect your future.

    If you’re interested in learning more helpful tips on purchasing disability coverage during residency, feel free to reach out to us. We’ll partner you with an experienced advisor who can answer your questions and provide any additional information for you.

    Posted by the TMAIT Team

    Disability insurance doctors Disability insurance doctors Disability insurance doctors Disability insurance doctors Disability insurance doctors Disability insurance doctors



    Ville di lusso a Cefalonia, Braunis Horio Villas, ville vacanze.

    #Ville #vacanze



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    Svegliarsi con questa vista

    Vista mozzafiato e Rilassante Atmosfera

    Esplora Cefalonia

    Momenti Speciali

    a Braunis Horio Villas

    Ville a Assos, Cefalonia

    Braunis Horio ville di lusso a Cefalonia, la più grande delle Isole Ionie della Grecia. Si trova su una scogliera a picco sul mare, guardando le acque cristalline del Mar Ionio, vicino alla spiaggia di Myrtos, una delle più belle spiagge dell’isola. L’ubicazione delle ville di lusso Braunis Horio ad Assos, offre paesaggi idilliaci con fiameggianti colori del tramonto che tolgono il fiato.

    Situate in una posizione privilegiata, sul lato destro del pittoresco villaggio di Assos, queste lussuose ville , sono considerate l’ideale per le vacanze di prestigio in Grecia. Braunis Horio offre una delle migliori opzioni di alloggio di lusso nell’isola di Cefalonia che certamente sedurrà i viaggiatori con i suoi splendidi dintorni e una vista ininterrotta sul mare.

    Composto da 13 incantevoli ville di nuova costruzione, questo complesso di lusso ad Assos Cefalonia vizia i suoi ospiti con la piscina privata e la splendida panoramica sul paesaggio da sogno della baia di Myrtos nella parte orientale dell’isola.

    Villa Vacanze nelle Cefalonia, Grecia

    Tutte le esclusive ville di Braunis Horio prosperano nel loro ambiente unico in Assos, villaggio vicino alla spiaggia di Myrtos a Cefalonia. Ciascuna con un nome diverso, colorate in tenui colori pastello evidenziano le loro personalità mediterranee. Arredate con tratti della tradizionale architettura delle isole Ionie con tocchi di modernità e di minimalismo.

    Le ville di lusso di Braunis Horio, a 4 stelle accolgono gli ospiti in spazi caldi, per vacanze di prestigio mentre li introduce nell’atmosfera accogliente del villaggio di Assos. Tutte le ville inducono gli ospiti di vivere le vacanze più gioiose e rilassanti nell’isola di Cefalonia in Grecia. Ogni villa di lusso si trova su edifici pluristratificati con grandi terrazze con vetrate e piscine private di acqua color turchese, assicurando le vacanze più affascinanti nel pittoresco villaggio vicino Assos Myrtos Beach.

    Villa di lusso vicino alla spiaggia di Myrtos

    Braunis Horio ville a Cefalonia, offrono una vista mozzafiato sulla spiaggia di Myrtos, sul villaggio di Assos a ovest, al magico castello Veneziano a sud,sulle acque cristalline del fresco e rilassante Mar Ionio e sull’orizzonte infinito che raggiungono tutte le isole Ioniche. Selezionate la vostra villa di famiglia o una villa di lusso sull’isola di Cefalonia e preparatevi a vivere le vacanze più eccezionali, esplorando senza fine tutte le vie del magico villaggio di Assos, ammirando una straordinaria vista sulla spiaggia di Myrtos e la percorrete la costa nord-ovest di questa splendida isola ionica. Scoprite il motivo per cui le ville private Braunis Chorio in Assos Cefalonia sono la migliore sistemazione per la famiglia e per una meravigliosa luna di miele. Realizzate i vostri sogni prenotando un’esclusiva villa privata a Cefalonia, in Grecia e lasciate che le vostre vacanze si svolgano in un luogo di sogni.



    Best Auto Insurance – Car Insurance Reviews and Comparisons, best rated auto insurance companies.

    #Best #rated #auto #insurance #companies



    The Best Auto Insurance Companies

    Quick Picks

    Customer Service

    Best Auto Insurance

    The top performers in our review are Geico, the Gold Award winner; Nationwide, the Silver Award winner; and Travelers, the Bronze Award winner. Here s more on choosing auto insurance to meet your needs, along with detail on how we arrived at our ranking of 12 companies.

    Finding good, affordable auto insurance requires some searching, but it’s worth the effort. By law, anyone who drives needs to have the minimal level of state required insurance, and those who have a vehicle loan are required to carry more than minimal coverage. If you are involved in a serious accident, you’ll be glad to have as much coverage as possible to handle medical bills and car damage. Generally, the more coverage you have, the higher your premiums will be, although this is not always the case. That’s why it pays to compare quotes.

    We compared the 12 largest auto insurance companies that provide coverage for individuals in most areas of the U.S. Even though USAA is one of the largest companies, it was excluded since its plans are only available to those with military connections. AARP was also excluded because its plans are provided by The Hartford Financial Services Group, which we have reviewed separately.

    While comparing insurance companies keep in mind that premium rates vary greatly based on numerous factors, and some services might not be available in your area. In addition, while it is rather straightforward to find upfront information about insurance companies, it’s difficult to discover details about how well claims are processed and paid.

    What Affects Car Insurance Rates?

    Insurance rates are carefully calculated based on numerous factors. Personal factors include age, location, average miles driven, gender, marital status, education and driving record. Financial factors include the replacement cost of the car, repair costs, claim history, insurance history and credit score.

    To give you an idea of what a low-risk insured person might look like compared to a high-risk person, see these two extremes:

    Low-Risk: A 40-year-old married female who is college educated and lives in a low-incident area. She also has a better than average credit rating, a good driving record, steady previous insurance and no claims in over five years. The car has low repair costs and is not tied to a bank loan. She might only be required to pay $60 to $90 per month for insurance.

    High-Risk: A 23-year-old unmarried male without a college education who lives in a high-incident area. He would have spotty or bad credit, a DUI or other major moving vehicle violation, has been without insurance in the past and has recently submitted claims. The car is expensive to fix and a there is a loan on the vehicle. This person’s premium may be over $300 per month. In this case, some insurance companies may even deny coverage.

    As you can see, numerous factors contribute to your premium. In addition, there are no protections in respect to gender, education, location or credit discrimination. Insurance companies are allowed, to the best of their ability, to calculate the risk of insuring individuals. If you are in the high-risk category, you might have to take a higher rate until you can build up a better history and or perhaps trade to a lower-priced, paid-off car. To learn more about the basics of auto insurance see our articles about auto insurance.

    If you are in the low-risk category, you may save some money by bundling your auto insurance with other plans such as homeowners or umbrella insurance. Some insurance companies also offer discounts to those who pay premiums in advance or by automatic payment. Discounts aren’t always listed on the company’s website, so you’ll want to ask about discounts before you enter a new contract so you can get the best possible rate.

    Obtaining Auto Insurance Quotes

    First and foremost, get more than one quote. We recommend that you obtain three quotes from three different insurance agencies. In our research, we learned that in most cases you can obtain ballpark quotes with just your basic information. However, eventually you will have to submit your social security number, VIN and other personal information to actually obtain the insurance coverage. Most will check your credit reports and driving status as well before they will provide coverage.

    You can obtain a quote by visiting the insurance company’s website. On the website, you can enter your zip code or state information and obtain a quote in only a few minutes. You’ll need to enter your basic information such as name, address and car make. You will also be asked about your driving history, credit and average driving distances. The company will most likely mention a few discounts, but you should also ask about additional discounts before you sign up.

    Possible discounts you might be eligible for include: good driver, good student, senior, hybrid vehicle, safety features, security features, multiple auto, defensive driving course discounts, farm vehicle, automatic payments, pay in advance, teen discounts and more. We noticed that Allstate specifically seems to offer a wide range of discount options. Many also offer discounts to military personnel or government employees, so it is worth asking about if you are associated with these organizations.

    You should also consider supplemental add-ons such as:

    Uninsured Motorist: Most people should consider this add-on. It helps cover medical or repair expenses when the other driver is at fault and has no insurance.

    Roadside Assistance: These plans often include towing and tire changing.

    Rental Car Coverage: Covers car rental expenses during the time your car is being repaired.

    Gap Coverage: If your car is totaled, gap insurance will help pay the difference between the payout and what you still owe on your car loan.

    Pet Insurance: This plan helps cover veterinarian expenses that may occur if your pets are injured in a car accident involving the covered vehicle.

    Umbrella Policies: These cover a wide range of liability situations that other insurance policies may not cover completely.

    Medical Payments Coverage: Helps pay medical costs related to an accident.

    Sound System Insurance: This will cover the cost of replacing stolen or damaged audio or video equipment.

    How We Compared Auto Insurance Companies

    Because auto insurance premiums differ from person to person, no single company is best for every person. We tried to find out which company offers the best rates to the most people, and which ones have the best consumer experience reputation. We researched industry news, consumer reviews, financial reviews, third-party reviews and more. We also conducted our own research.

    For the quote comparison, we obtained quotes for five of the most commonly purchased cars in the U.S. for rather average customer profiles in numerous zip codes. Some quotes were obtained online and others by telephone. We averaged the quote price per vehicle and compared quote rates against their competitors. With this information, we were able to determine whether you might expect to receive a lower than average, average or higher than average quote price from the insurance company. Of course, your quote experience will vary from our test model, but our scores can help you decide which companies you may want to obtain a quote from.

    We obtained consumer satisfaction scores by quantifying numerous industry ratings alongside our own experience with the companies. We were somewhat surprised to discover that the 12 insurance agencies scored pretty close together. Most consumers seem happy with their insurance company until they need to file a claim and things don’t go the way they wanted. And since most drivers are only involved in a few accidents in their lifetime, they usually do not have to go through the claim processing experience often, so satisfaction scores are generally high. The company that rated the highest was State Farm, with Geico and AAA only a few points below it.

    Our Verdict and Recommendation

    Once you find the insurance companies that look like they might satisfy your needs, we recommend that you obtain three quotes. Low-risk drivers can likely obtain low-cost auto insurance from Geico. Seniors may benefit from using their AARP membership to receive discounts from the Hartford Financial Services Group. Those who can qualify for accident-forgiveness can benefit from a three-year accident forgiveness policy from Farmers. Make sure to answer the questions as accurately as possible when submitting your quote information. Incorrect information could be cause for non-payment later, so accuracy is critical.

    Once you obtain your quotes, it is helpful to call up the insurance company and ask about additional discounts. As tedious and confusing as it may seem, carefully look through the fine print of your policy information. It might even be helpful to consult with an insurance specialist to explain industry terms you don’t understand. Careful shopping can help you obtain the best rate for the type of coverage you want.



    Online Medical Billing and Coding Schools, Classes, medical billing courses online.

    #Medical #billing #courses #online



    The Cutting Edge of Medicine Medical Billing and Coding!

    M edical Billing and Coding was at one time a career that you could launch by purchasing a book, investing in some computer software, and, once you were confident in your skills, starting a home business with which you provided this valuable service to a group of doctors.

    Billing and coding continues to be a great career opportunity, with pay being considered generous for an entry level job. read more . .

    Featured online schools offering degrees/ certificates:

    Browse Schools that offer online Billing/Coding

    Browse Schools that offer online Billing/Coding

    article continued from above.

    However, trying to educate yourself through methods that avoid college courses or classes may not be the best method of insuring that you will have a job once you have the knowledge. The two terms “billing” and “coding,” actually involve two different jobs which are often performed by the same person. Medical billing involves collecting data for all aspects of a claim, helping to make sure the medical facility is performing efficiently. Coding, on the other hand, is the application of the correct code to every medical procedure used in a particular case. Without correct codes, the insurance companies are unable to make correct, speedy payment. Both jobs require knowledge of medical procedures, anatomy and terminology along with an understanding of how the insurance industry operates.

    The medical field has evolved dramatically over the past 10 to 15 years alone. The arrival of the Affordable Care Act has resulted in complex levels of medical coding; the new CD-10 has changed to available codes from just over 13,000 to 144,000. If the wrong code is entered on a bill, the doctor stands to lose thousands of dollars, both in the cost of refiling and in fines and reductions in payment from the insurance company. In fact, it is possible for a physician to lose his practice because of coding errors. As for lost revenue, Ruthann Russo, executive director of HP3 Healthcare Concepts, says that a review of one 200 physician multi-specialty group revealed that an estimated $10 million was simply lost because staff involved had not correctly billed the services.

    Get Educated

    These changes actually mean that billing and coding is as great a career opportunity as ever; in fact one national survey reports that there are 30% more positions than there are people to fill them, and the shortage is expected to increase. But doctors can no longer afford to take a chance on people who claim to know the business but have no formal training. Doctors are urged to hire personnel with AHIMA or APC certification, who have taken courses with AHIMA approved trainers. You may be expected to take courses in Health Information Management, Pharmacology, and Legal compliance as well as the courses in coding. However, don’t feel overwhelmed. Many schools have designed their programs to be completed in as little as four months. Those who complete the course work, a practicum, and pass the test receive certification and are considered billing and coding specialists.

    Use our convenient service to research the education programs and get started on your own billing and coding career.

    Get Paid

    The pay for a billing/coding specialist varies from state to state but according to the BLS, the mean annual wage for Medical Records and Health Information Technicians overall, is about $38,860.



    Find Cheap Car Insurance Rates – Online Auto Insurance, discount automobile insurance.

    #Discount #automobile #insurance



    Online Auto Insurance

    You seem to be on the right track if you re looking for cheap car insurance. To locate the company that will offer the cheapest rates for the coverage desired, complete this quick questionnaire to instantly compare rates from top companies and find the one that is cheapest for you.

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    Questions Regarding Cheap Insurance

    For drivers looking to buy a new auto insurance policy or switch companies, their friends might tell them to go talk to a particular insurance agent or a particular insurance broker. Agents and a brokers both act as middlemen between the customer and an insurance company. They basically help you buy a policy that fits your needs. But .

    Discount automobile insuranceAuto insurance companies may not offer a specific discount for having a car equipped with a backup camera, but having this safety feature on your car could increase the car’s safety record and result in lower insurance premiums in the long run. Motorists operating vehicles that are.

    Discount automobile insuranceDefinitively stating which states have the cheapest auto insurance is difficult to do because of differences in state laws that make apples-to-apples comparisons problematic. There are a few different sources for state-by-state cost rankings, and none are identical. However, a few states do .

    News about Insurance Prices

    July 28, 2014 – GEICO spent hundreds of millions more in advertising dollars last year than other personal insurance carriers, according to a recent report. GEICO’s $935.1 million in ad expenditures increased less than a percentage point between 2012 and 2013, but the company still spent $280 million more than Allstate, the next-highest spender .

    July 18, 2014 – California drivers can now get pay-by-the-mile car coverage from Metromile, the company announced this week. Billing itself as the “nation’s only pay-per-mile car insurance offering,” MetroMile charges drivers a daily rate based on the number of miles they drive, up to.

    July 11, 2014 – Nearly all of the biggest car insurers in Ohio increased their premiums last year, according to a new report from the Ohio Department of Insurance (ODI). For 2012-13, the overall rate increase for Ohio’s 10 largest insurers was 2.6 percent .

    Articles on Finding Cheap Auto Insurance

    Aug 07, 2012 – The Olympics pit the best athletes in the world against each other on their respective fields of play. Here at OnlineAutoInsurance.com, we decided to see how a handful of the.

    Aug 02, 2012 – The usage-based car insurance market is getting crowded, and an announcement last month from of all companies Sprint may mean even more widespread availability of.

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    Compare Car Insurance Quotes: Fast, Easy, Secure, car insurance rates comparison.

    #Car #insurance #rates #comparison



    Auto insurance comparison made easy.

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    Every car insurance company in the U.S. claims they can save you money on your car insurance. The surprising thing is that many of them may be telling the truth.

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    Not updating your relationship status.

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    Unaware your credit score affects your insurance rate.

    Those with average credit scores paid $214 a year more on their auto insurance policies than similar drivers with high credit scores.

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    Over-reporting your mileage.

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    *Data provided by Consumer Federation of America



    Parken Flughafen Frankfurt mit Shuttle Service, günstiges auto.

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    Parken Flughafen Frankfurt mit Parkfuchs24

    Unter dem Motto Parken Flughafen Frankfurt gibt es in den umliegenden Ortschaften wie Hattersheim, Flörsheim, Höchst, Kelsterbach und weiteren Ortschaften eine schier unfassbar große Auswahl an Parkplatz- und Shuttlebus-Anbietern für den Flughafen Frankfurt – Tendenz für die nächsten Jahre? Steigend! Diese bedienen den Flughafen Frankfurt grundsätzlich mit Shuttle-Services und oder Valet-Parking und stellen obendrein zahlreiche weitere Dienstleistungen bereit. Somit gibt es auch in 2017 wieder zahlreiche, praktische sowie sichere Parkplatz-Möglichkeiten für Ihren PKW während des Urlaubes.

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    Tipp: Einige Parkplatzbetreiber preisen Ihren Kunden verschiedene Treuesysteme an, ob Rabatte oder extra-Leistungen – Genaues vergleichen lohnt sich! So kann auch noch ordentlich gespart werden.

    Als großer Parkplatz und Shuttlebus-Betreiber für das Parken Flughafen Frankfurt, haben wir auch in diesem Jahr wieder, Service und Leistungen den Kundenwünschen entsprechen angepasst sowie weiter optimiert. Unser Parkplatz ist von nun an noch gepflegter, die Videoüberwachung wurde nochmals ausgebaut und neue Leistungen mit erhöhtem Mehrwert sind hinzugekommen. Wer also einen guten Parkplatz für sein Auto sucht, kann guten Gewissens unter dem Motto: Parken Flughafen Frankfurt buchen.

    Neben bekannten Möglichkeiten direkt am Terminal, in Parkhäusern oder auf weiteren Parkflächen des Flughafen Frankfurt zu parken, bewerben zahlreiche alternative Shuttlebus-Betreiber einen Park- und Shuttleservice zum Frankfurt Flughafen. Wie die Betreiber der Parkplätze am Frankfurter Flughafen, bieten einige Shuttle-Services ebenfalls geschlossene Parkplätze in Form von Tiefgaragen oder Parkhäusern an. Parkfuchs24 selbst verfügt über 1000 Parkplätze mit neuster Videoüberwachungstechnik und wartet mit sehr vielfältigen Serviceleistungen auf. Die Entfernung von unserem Parkplatz zum Flughafen Frankfurt beträgt ca. 11,7 Km und wird mittels modernen, komfortablen sowie gleichzeitig klimatisierten Shuttlebussen mit einer Transferdauer von 15 min. bewältigt. So können Urlauber Ihre Autos in guter Obhut wissen und entspannt in den wohlverdienten Urlaub reisen.

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    Um einen guten Überblick zum Thema: Parken Flughafen Frankfurt zu bekommen und detaillierte Informationen zu Preisen, Angeboten, inbegriffene und Zusatz-Serviceleistungen zu erhalten, lohnt sich das Vergleichen der zahlreichen Parkplatz-Betreiber auf Parkplatzvergleich-Portalen. Hier kann jeder Urlauber schnell und einfach, je nach persönlichen Interessen und Vorlieben, seinen idealen Parkplatz oder Parkplatz-Anbieter für das Parken Flughafen Frankfurt ausfindig machen und mit wenigen Klicks, online oder telefonisch buchen.

    Zusätzlich können sich Sparparker sowie Parkfüchse, durch sehr genaue und zahlreiche Bewertungen ein gutes Bild über die Eigenschaften und Serviceleistungen der jeweiligen Parkplatz-Betreiber verschaffen – Denn es geht immerhin um die bestmögliche Aufbewahrung und Sicherung des Deutschen Liebling – Um das Auto.

    Parken mit viel Service für den Flughafen Frankfurt

    – Der größte Airport Deutschlands

    Sie haben mit Parkfuchs24 nicht nur einen zuverlässigen Parkplatz-Anbieter für das Parken Frankfurt Flughafen, sondern haben als Urlauber und Sparparker ebenfalls die Möglichkeit, zwischen zwei Varianten des Flughafentransfers zum Flughafen Frankfurt zu wählen.


    Auto rossel, auto rossel.

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    Rallye / CritГ©rium des CГ©vennes : Rossel vainqueur. comme un vieux briscard !

    A u volant d’une DS3 R5, le Gardois est devenu ce week-end le plus. jeune vainqueur de l’histoire du CritГ©rium des CГ©vennes, dont la 59e Г©dition s’est achevГ©e ce samedi Г Montpellier. Avec la maГ®trise d’un vieux briscard !

    Un mal pour un bien ! Yohan Rossel, vainqueur ce samedi soir Г Montpellier du 59e CritГ©rium des CГ©vennes en compagnie de BenoГ®t Fulcrand, pourra se ressasser l’expression Г loisir. Si son plan initial avait Г©tГ© respectГ©, jamais le jeune homme de Saint-Jean-du-Gard ne se serait retrouvГ© au dГ©part du plus cГ©lГЁbre des rallyes automobiles de sa rГ©gion.

    Au fil d’une carriГЁre naissante Г l’Г©chelon mondial, il espГ©rait vivre ce week-end d’automne dans les brumesВ du pays de Galles, au rallye de Grande-Bretagne, et non sous le soleil qui baignait hier sa terre natale. Mais voilГ , un manque de budget. et l’histoire prit une autre tournure, moins onГ©reuse, pour s’achever ce samedi dans l’allГ©gresse sur le podium montpelliГ©rain face Г la place de la ComГ©die.

    Clt final provisoire :

    1.Rossel en 2h02m4s1

    — Chpt France Rallye (@CFRallye) 28 octobre 2017

    AprГЁs coup, il ne viendrait Г©videmment Г personne l’idГ©e de regretter ce choix, presque forcГ©. Yohan Rossel souhaitait rebondir devant sa porte, c’est fait. Comme il l’avait susurrГ© la veille du dГ©part… “Gagner les CГ©vennes Г 22 ans, ce serait tout de mГЄme beau !” Effectivement, en presque soixante ans d’histoire et d’exploits des plus grands rallymen franГ§ais en ces lieux, personne n’avait relevГ© le challenge de faГ§on aussi prГ©coce. C’est dire la portГ©e de l’Г©vГ©nement.

    Auto rossel

    Ce samedi matin, sur des routes exceptionnelles sГЁches pour l’Г©poque, la seconde Г©tape avait dГ©butГ© comme celle de vendredi soir s’Г©tait terminГ©e : par un “mano Г mano” entre Yohan Rossel et un autre champion en devenir, Charles Martin (Skoda Fabia R5). Leader pour Г peine plus de trois secondes au soir de la premiГЁre Г©tape, celui-ci profitait d’un tГЄte-Г -queue du futur vainqueur dГЁs l’Г©preuve inaugurale de la CadiГЁre pour alourdir lГ©gГЁrement la note. Un prГЄtГ© pour un rendu. Le Gardois rГ©pliquait aussitГґt et recollait aux basques de son rival Г l’arrivГ©e de la longue ES de St-Martial/Valleraugue, dГ©jГ parcourue la veille.

    Las, le suspense prenait fin dans l’Г©preuve suivante, aux portes du Vigan, oГ№, stoppГ© net par une crevaison, le jeune Francilien voyait ses espoirs de victoire se volatiliser en quelques trop longues minutes. DГЁs lors, il ne restait plus Г Yohan Rossel qu’Г dГ©rouler sa science de la course, tel le plus chevronnГ© de ses paires, et Г s’acquitter des trois derniГЁres Г©preuves avec une confortable avance sur ses poursuivants.

    Martin Г la dГ©rive

    Si le nom du futur vainqueur ne semblait plus faire de doute dГЁs la mi-journГ©e, la lutte pour les places d’honneur se sera, elle, prolongГ©e jusqu’Г l’ultime verdict du chrono, du cГґtГ© d’AvГЁze. Les frГЁres ennemis du team tourangeau FJ, Pierre RochГ© et Ludovic Gal, se partagent finalement les deux autres marches du podium Г bord d’identiques Skoda, mais cet ordre faillit bien s’inverser dans les derniers kilomГЁtres Г la faveur d’un temps scratch de l’ancien vainqueur du CritГ©rium. Un sursaut bien tardif pour celui qui mit trop longtemps Г prendre confiance en sa monture.

    Ce podium cГ©venol, Eric Mauffrey (Peugeot 208 T16) en a lui aussi longtemps rГЄvГ©, avant qu’une crevaison ne l’Г©carte du match dans l’ES7. Un peu comme Charles Martin, Г la diffГ©rence que ce dernier rГ©ussit malgrГ© tout Г rejoindre Montpellier, pour y cueillir la quatriГЁme place devant le Franco-belge William Wagner (Ford Fiesta R5), Manu Guigou (Renault Clio RS) et Patrick Rouillard (Porsche 997), dont le copilote cГ©venol, Guilhem Zazurca, fГЄtait son 30e CritГ©rium des CГ©vennes.