CPMC Davies Campus (Davies Medical Center), pacific ada center.

#Pacific #ada #center


Directions & Maps – Davies Campus

Castro at Duboce Streets

San Francisco, CA 94114

Pacific ada center

  • North Tower of Hospital: Duboce Street at Scott between Castro and Noe

  • South Tower of Hospital: Between Castro Street and Noe Street

  • 45 Castro Street: Cross Street – Corner of Duboce

  • Garage: Corner of Castro and 14th Streets
  • Directions

    Driving Directions/ Westbound Hwy 80 (from Oakland)

    • Take Hwy 80 over the Bay Bridge

  • Take the Ninth Street/Civic Center exit, staying in center exit lane (puts you on Harrison St.)

  • Travel 1 block on Harrison and turn right onto 9th Street. On 9th, get into the left hand lanes labeled Hayes Street

  • 9th Street will veer left into Hayes St. as you cross Market Street

  • Follow Hayes St. for approximately 1.5 miles

  • Left on Scott St. (after Pierce St.)

  • Sutter Health CPMC entrance is at the end of Scott St.
  • Driving Directions/ Southbound Hwy 101 (from Marin)

    • Take Hwy. 101 South over Golden Gate Bridge

  • Turn right onto Divisadero St.; follow for approximately 2 miles

  • At Waller St., bear left from Divisadero onto Castro St.

  • The entrance to Sutter Health CPMC is on Castro St., between Duboce and 14th.
  • Driving Directions/ Northbound Hwy 101 (from San Jose)

    • From Hwy 101, take Ninth Street/Civic Center exit

  • Travel north on 9th St. and get into the left hand lanes labeled Hayes Street

  • 9th St. will veer left into Hayes St. as you cross Market St.

  • Follow Hayes St. for approximately 1.5 miles

  • Turn left onto Scott St. (after Pierce St.)

  • The entrance to Sutter Health CPMC is on Castro St., between Duboce and 14th.
  • Driving Directions/ Northbound Hwy 280 (from the Peninsula)

    • Follow the signs to 19th Ave/Golden Gate Bridge

  • Turn right onto Sloat Blvd. (after Ocean Ave.)

  • Turn slight left onto Portola Dr.; follow for approximately 2 miles

  • Turn slight right onto Market St.; follow for approximately 1.5 miles

  • Turn sharp left onto 16th St.

  • Turn right onto Castro St.

  • The entrance to Sutter Health CPMC is at the corner of Castro Duboce.
  • Parking

    Street parking is available; however, non-neighborhood residents are limited to two hours. For a fee, public parking is available in the CPMC garage located at 45 Castro St. Parking is available 24 hours a day.

    Public Transportation

    The 24 Divisadero, 37 Corbett and the N Judah all stop within one block of the main hospital. For connecting bus routes, or other public transportation, call 511 or visit http://transit.511.org. Taxi service is available at the information desk located in the main hospital lobby.

    ADA Access

    There is an ADA-accessible entrance at the hospital’s main entrance, the Emergency Department entrance, and the 45 Castro Medical Office Building entrance.

    4wayneyounglaw: Home, Wayne Young Law Firm, P, wayne young law firm.

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    JSTOR is a digital library of academic journals, books, and primary sources.

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    Dedicated to helping persons who face cancer. Supports research, patient services, early detection, treatment and education. Contact us anytime day or night 1-800-227-234.

    The Forum of Young Global Leaders | World Economic Forum – The.

    The World Economic Forum (WEF) is a Geneva-based non-profit organization best known for its Annual Meeting in Davos, Switzerland, the Annual Meeting of New Champions in China.

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    Home – The Chronicle of Higher Education

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    Van Johnson

    #humphrey #plumbing


    Gender: Male
    Race or Ethnicity: White
    Sexual orientation: Bisexual
    Occupation: Actor

    Nationality: United States
    Executive summary:The Caine Mutiny

    Van Johnson was a baby-faced, redheaded, rather hammy film actor of the 1940s, 50s, and 60s. He is perhaps best remembered as the executive officer who seized command from Captain Queeg (Humphrey Bogart ) in The Caine Mutiny. He also starred in Battleground with Ricardo Montalban. and Frank Capra ‘s State of the Union .

    His parents divorced when Johnson was a toddler, and his father was given custody due to the mother’s alcoholism. Young Johnson was dancing in theatrical musicals while still attending high school, and made his Broadway debut as a chorus boy in 1936. He was still in the chorus for the 1939 Broadway production of Richard Rodgers ‘ Too Many Girls. and he made his film debut dancing the same role when the play was filmed with Lucille Ball .

    For many years, Johnson was an extremely close friend of actor Keenan Wynn and Wynn’s wife, Eve. They had met when all three were struggling actors in New York in the late 1930s, and after Johnson and Wynn both signed with MGM and moved to Hollywood, the bachelor Johnson reportedly spent as much time at the Wynns’ home as at his own residence. In 1943, the Wynns were passengers in Johnson’s car when it was broadsided by another vehicle which ran a red light. Johnson was seriously injured, and had a metal plate installed in his head. He then recuperated for several months at the Wynns’ home.

    The accident may have been a lucky break for Johnson, as it left him unsuitable for military duty during World War II. While many of his contemporaries were at war, Johnson rose to prominence playing military men in features like A Guy Named Joe with Spencer Tracy. Two Girls and a Sailor with June Allyson and Gloria DeHaven. and Thirty Seconds Over Tokyo with Robert Walker .

    In 1947, the Wynns were divorced, and Johnson married the former Eve Wynn on the same day her divorce was finalized. They were separated in 1961 when, according to Johnson’s stepson Ned Wynn, Johnson had an affair with a chorus boy during a stage production of The Music Man. In 1999, just a few years before her death, Eve Wynn Johnson told a reporter that her marriage to Johnson had been arranged at MGM’s request, as the studio “needed their ‘big star’ to be married to quell rumors about his sexual preferences,” and she was the only woman he would agree to marry.

    [1] Tappan Zee Manor, Nyack, NY.

    Father: Charles E Johnson (plumbing contractor)
    Mother: Loretta Johnson (housewife)
    Wife: Eve Lynn Abbott (m. 25-Jan-1947, sep. 1961, div. 1968, d. 19-Jul-2004, one daughter)
    Daughter: Schuyler Johnson (proofreader, b. 1948)
    Son: Ned Wynn (actor, stepson, b. 27-Apr-1941 to Abbott and Keenan Wynn )
    Son: Tracy Keenan Wynn (screenwriter, stepson. b. 28-Feb-1945 to Abbott and Wynn)

    High School: Rogers High School, Newport, RI

    Appears on the cover of:
    Modern Screen. May-1945, DETAILS. “That’s My Boy!” by Van Johnson’s Dad

    Zoology Degree – Compare Colleges that Offer Zoology

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    Zoology Degree

    What is Zoology and Animal Biology?

    Zoology and Animal Biology is the study of animals, their environments and interactions, and the cellular makeup and processes that keep them alive. Degrees in zoology and animal biology can be obtained at the associate level and continue until the PhD, though most individuals will typically pursue at least a bachelor’s degree. Zoology and animal biology is considered a very broad sub-field of biology, and provides skills and knowledge in scientific research, laboratory science, along with chemistry, physics and genetics.

    Educational Requirements

    Individuals enrolled in a zoology and animal biology programs will study the various aspects of animal life, particularly the physiology of a given animal and how it has adapted to operate in its natural environment. Students will be learn to utilize scientific analyses and research, utilizing actual specimens to study both in the wild and in a laboratory setting. Student will also learn how to apply the information obtained from the various sciences into applicable use, particularly when studying animals at cellular and molecular levels. Schools with programs in zoology and animal biology typically have resources such as wildlife preserves, estuaries, or other such locations from which to perform tests and experiments, allowing for the development of practical knowledge and experience prior to pursuing internships or career opportunities.

    A curriculum in zoology and animal biology may include:

    • Entomology
    • Ecology and Evolutionary Biology
    • Animal Physiology
    • Animal Behavior
    • Organic Chemistry

    Zoology and animal biology as a career is a narrow field that is predominantly occupied with research. There are job opportunities available and job growth is expected to remain steady, but these opportunities will be limited. Careers in zoology and animal biology are typically defined by the field of study.

    • Ornithologist (Birds)
    • Mammalogist (Mammals)
    • Herpetologist (Reptiles)
    • Ichthyologist (Fish)
    • Entomologist (Insects)

    Employment Opportunities

    Due to the nature of zoology and animal biology, career opportunities are highly competitive, often requiring individuals to participate as interns for two or more projects prior to obtaining a paid position. Those who obtain positions will either do so through research proposals, or as a member of an existing agency or project. Research studies and projects may be funded by the government, colleges or universities, private business or a combination of these. Many individuals will work in parks, incorporating study opportunities into a preservation work, often identifying changes in patterns or behaviors in animals that may adversely affect the environment or animal populations.

    Salary, Job Growth and Related Fields

    The average salary of zoologists and animal biologists is approximately $55,000 per year. The lowest 10% earned less than $33,500 per year. The primary employer of zoologists and animal biologists is the federal government through research grants. The obtaining of available grant money is competitive due to the large number of proposals put forward by individuals or groups in a given year, and competition is expected to be higher as the number of PhDs awarded increase each year. Because the grants are typically long term and budgeted for in the year the grant is awarded, grantees are less affected by recession than other professions. Individuals working in non-research positions but employed by local, state or federal governments are subject to budgetary constraints in a given year. Those who work in the private sector typically earn higher and have greater job security.

    Those interested in a degree in zoology and animal biology may also wish to consider a degree in biology. wildlife biology and animal behavior and ethology.

    As an additional resource, you can also read our blog post titled Top College Degrees for Animal Lovers for more information.

    Get Your Degree!

    Get information on programs from our featured schools.

    SQL Recovery Software to Repair Corrupted MDF Files from SQL Server Databases

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    SQL Recovery

    SQL Database Recovery Software

    Buy: $ 249
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    SQL Recovery tool is advanced software to restore the SQL Database components. Mostly, the organization choose to save their crucial data in SQL databases but it is sometimes get affected due to crash or slow running of SQL Server. In such a case, the SQL recovery software quickly extracts the database components from corrupt or crashed SQL Server.

    SQL Recovery tool proficiently recovers all MDF file components including views, triggers, tables, records, rules, stored procedures, user functions, defaults, etc. It proficiently recovers MDF files created with MS SQL Server 2000, 2005 and 2008.

    With the help of this crackerjack software, users can perform thorough scan of the corrupt MDF file to find the errors and repair MDF database effectively. Also, the software enables the user to have preview of the recovered data before saving any data item.

    SQL Recovery Tool – A Proficient Solution for MS SQL Users

    Due to some of the reasons such as inaccessible driver and partitions, data corruptions, invalid database file header, improper usage of SQL database Server, media errors or contamination, etc. the MS Access database becomes corrupt or inaccessible. In this scenario, SQL database recovery software proves beneficial since it repairs and recovers the data from corrupt MDF file precisely.

    MDF database recovery software is designed to extract each and every bit of data stored in the Master databases or MDF files created using SQL Server 2000, 2005 2008. The software does not affect the data integrity of the original MDF file since the retrieval of SQL database components is very secure and reliable with this tool. Also, it has an attractive and intuitive GUI that makes the recovery process easy and simple so that even a novice can perform recovery by himself.

    SQL Recovery Tool – Recovery Process:

    By using this software, the user can scan the corrupt MDF database file recursively, can repair the damaged primary, foreign and unique keys and can also create a new SQL database file. Tables, views, stored procedures, user functions and other existing components are completely recovered by the software. Also, it recovers the damaged, partly damaged and deleted records from inaccessible MDF files. Facility to check the preview of recovered data before saving is a remarkable software feature as users can analyze the accuracy of recovered data.

    For every MDF file component, the software creates a separate batch file so that entire data can be easily restored. The database rebuilding batch is automatically created by the software using which the database can be easily recreated.

    Analyze the software using Free Evaluation Version :

    Use the free evaluation version of the software to check the overall capabilities of the tool before purchasing it. After analyzing the performance of the software if you find it useful then purchase its full version. The Paid version enables user to save all repaired MDF databases.

    Anspruch stellen: Polish » German, PONS, anspruch stellen.

    #Anspruch #stellen

    Translations for anspruch stellen in the German » Polish Dictionary (Go to Polish » German)

    1. Anspruch (Forderung, Anforderung) :

    3. Anspruch (Gebrauch) :

    1. stellen (hinstellen) :

    3. stellen (aufrecht hinstellen) :

    5. stellen (äußern, vorbringen) :

    7. stellen (konfrontieren) :

    9. stellen (arrangieren) :

    11. stellen FIN :

    13. stellen Speise, Getränke :

    15. stellen (situiert sein) :

    II . stẹllen [ˈʃtɛlən] VERB refl

    2. stellen (eine Position ergreifen) :

    4. stellen (sich ausgeben) :

    6. stellen (nicht ausweichen) :

    1. Stelle (Platz) :

    3. Stelle (Fleck) :

    5. Stelle MATH (hinter dem Komma) :

    7. Stelle (Abteilung, Behörde) :

    ABM-Stelle ‑, ‑n [aːbeː​ˈʔɛm-] NOUN f WIRTSCH

    Anspruch NOUN

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    New in the online dictionary – hundreds of millions of translated examples from the internet!

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    Anspruch stellen

    Where do these examples come from?

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    Cheap Auto Insurance in Houston – Average Rates from $55, cheapest auto insurance houston.

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    Texas Auto Insurance Quotes Cheapest Rates from $29/mo

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    Find Your Perfect Auto Policy!

    Find Cheap Full Coverage Auto Insurance in Houston, TX

    Believe it or not, you could easily find cheap auto insurance in Houston, TX. And you do not have to leave your house. Just visit the website txautoinsurancequotes.com to gain access to and compare up-to-date quotes.

    Begin Saving by Knowing the Average Houston Auto Insurance Quotes

    Houston residents might be better off buying their vehicle insurance off-site. The average rate is $1,748, which is just slightly lower than the $1,767 average of Fort Bend-Harris County. The good news stops there, as both figures are higher than the average for Texas as a whole, which is at $1,731. The national average of $1,725 is the lowest figure.

    Factors that Make Car Insurance in Houston, Texas High

    The specific amount that a vehicle owner pays depends on a lot of things. The specific type of vehicle and the circumstances of the owner are taken into consideration in coming up with the final price. There are also factors, such as the following, that make the rates in Houston generally higher compared to other areas.

    • Location This is not as much as where but more on how many people are living in an area. More often than not, a higher population count and population density will equate to higher rates. Not surprisingly, the rather higher rates in Houston can be partly attributed to its high population. As of 2010, there are 2,099,451 inhabitants in Houston. This makes the population density at a slightly cramped 3,623 residents per square mile.
    • Driving To Work The average Houston resident s daily commute is 27.4 minutes one way. If you spend more time than this average, then expect higher rates. More so if your daily drive is during the peak hours of traffic. The possibility of getting into an accident increases the more time you spend on the road. It increases exponentially during the rush hour period. In 2009, there were 8.5 fatal accidents recorded in Houston per 100,000 residents.
    • Auto Thefts Larger cities will most likely have more counts of auto-thefts. In Houston, there were 12,817 vehicles reported to be stolen just in 2010. The probability of having your vehicle being stolen increases if it is a 2003 Dodge Ram, as it has been reported as the most stolen vehicle in Texas. You can try to avail of lower rates if you put in gadgets that prevent your vehicle from being stolen.
    • Education 20.4% of Houston residents have earned their high school diplomas, and 17.3% have further earned their college degrees. Compare this to the higher number of high school graduates, 24.8%, but a lower percentage for bachelor s degree holders, 15.6%, for the whole of Texas. These numbers matter because you can expect better rates if you have finished your high school studies and much better rates if you have earned your bachelor s degree or even higher.

    Houston residents are already disadvantaged because of certain circumstances they cannot control. Do not let that stop you from trying to find the cheapest automobile insurance you can get your hands on. By answering a few questions on the widget provided by txautoinsurancequotes.com, you can easily compare available rates so that you end up with the cheapest that applies to you.

    If you don’t live in Houston, that’s okay; you can still save money if you live in Dallas, Austin, or Ft. Worth!

    Cheap Insurance Oklahoma, cheap car insurance in oklahoma.

    #Cheap #car #insurance #in #oklahoma

    Cheap Insurance Oklahoma

    Insurance Facts

    Surprisingly, Oklahoma’s insurance rates are higher than the national average. That’s not to say there aren’t ways to find the many options for cheap Insurance Oklahoma has available. It just might take a bit more digging. Overall, the average price for an annual auto insurance policy hovers around $1,500, but can be as high as $2,000 depending on the study.

    Smart shoppers will get as many competing quotes as they can before they make their purchase. In general, the more densely populated areas will have the highest insurance rates. This is true for any state, but in Oklahoma the differences can be drastic because of the number of rural areas. Despite the fact that Oklahoma requires all drivers to carry current insurance, the rate of uninsured drivers is still around 24%, which is considerably higher than the average nationwide.

    Auto Insurance Requirements

    Oklahoma law requires at least the following coverage on all operable vehicles:

    • $25,000/$50,000 bodily injury liability (per person/per accident)
    • $25,000 property damage liability

    Traffic Facts

    • There were 70,000 traffic crashes in 2012, 642 of which were fatal.
    • Over 82,000 vehicles were stolen in 2012 statewide.
    • There were 2.4 million licensed drivers in the state as of 2012
    • Over 18,000 people were arrested for drunk driving in 2012.
    • Oklahoma legislators recently passed House Bill 2367 which allows private driving school instructors to administer behind-the-wheel exams, thereby relieving long lines at the DMV.

    This information, while not exhaustive by any means, can be used by consumers to get a better idea of how companies calculate their insurance rates.

    Public Resources

    The Insurance Commissioner’s Office’s FAQ page answers a lot of insurance questions, include fraud protection and rate questions.

    The Oklahoma Insurance Department has a detailed guide on understand your car insurance policy. It explains coverages in greater detail, as well as the state’s requirements and what to do in the event of an accident.

    The Department of Public Safety has information on licensing, vehicle registrations, and motor vehicle laws.

    Faites un don, LADAPT, faites des dons.

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    Faites un don

    Faites un don

    Grâce à vos dons, LADAPT accompagne depuis près de 90 ans les personnes handicapées dans leur combat quotidien vers l’autonomie pour que nous puissions tous “vivre ensemble, égaux et différents”.

    Votre don compte

    • Avec 10€ nous contribuons au financement d’une Handi’Mallette© visant à sensibiliser les enfants au handicap par le jeu
    • Avec 20€ nous favorisons notamment l’accès à la culture en offrant des livres dans nos établissements
    • Avec 50€ nous améliorons l’accompagnement des personnes handicapées par la formation d’un bénévole

    En faisant un don de 20€ ou plus à notre association, vous pouvez devenir adhérent à LADAPT.

    Je fais un don maintenant

    Déduction fiscale


    En faisant un don à LADAPT, vous bénéficiez d’une réduction d’impôt de 66% du montant de votre don dans la limite de 20% de votre revenu imposable. En cas de versements excédentaires par rapport à ce plafond, l’excédent est reporté successivement sur les 5 années suivantes. Et donner des exemples de déductions adaptés au montant de la grille. Ainsi un don de 20 euros ne vous revient en réalité qu’à 6.80 € et un don de 50 € à 17 €


    L’ensemble de vos versements au titre du mécénat vous permet de bénéficier d’une réduction d’impôt sur le revenu ou d’impôt sur les sociétés de 60% de leur montant pris dans la limite de 5 pour mille du chiffre d’affaires. Pour les dons excédant ce plafond, l’excédent est reportable successivement sur les 5 exercices suivants dans les mêmes conditions, après prise en compte des versements de l’année. (article 238 bis 1° du code général des impôts).

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    LADAPT est une association loi 1901, reconnue d’utilité publique. Elle accompagne la.

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    Bienes raices nogales, bienes raices nogales.

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    Cherche Midi – New York Magazine Restaurant Guide, cherche don.

    #Cherche #don

    Cherche don

    New York , NY 10012

  • Neighborhood: Nolita
  • Phone: 212-226-3055
  • For connoisseurs of Keith McNally’s time-honored French-brasserie formula, there’s almost too much to like about his latest restaurant, Cherche Midi. The new place, which occupies the same stolid brick structure down on the Bowery that used to house McNally’s star-crossed pizza project, Pulino’s, features crimson leather banquettes along the walls and, on the menu, a much-hyped LaFrieda burger made with aged beef, just like at Minetta Tavern. The formerly spare and brick-walled space has been fitted with large mirrors (like at the Balthazars on both sides of the Atlantic). Heavy steel-framed doors now separate the cosseted little ­dining room from the raucous street traffic outside (like at Schiller’s Liquor Bar), and the walls are painted a soft daffodil yellow, which reminded several of the grizzled dining veterans at my table of the recently closed Meatpacking District landmark Pastis.

    This feels like a Vegas version of Keith’s greatest hits, one of the grizzled veterans said as we took delivery of some soft, properly garlicky fried frogs’ legs and an arrangement of local beet salad, which looked like it had been beamed in directly from Kate Moss’s table at the Odeon circa 1992. The generous, sushi-grade cuts of hamachi crudo looked that way, too, although the slightly updated version here is spritzed with yuzu and enlivened with tiny bits of shiso. The most inventive dish in this stately procession of golden oldies was a bowl of chilled cauliflower soup, served as a special with a single fried oyster on top, but the most satisfying, by far, was that old brasserie warhorse steak tartare, which was the color of faded pink roses and folded with capers, chopped cornichons, and a generous spoonful of egg yolk.

    The newest McNally outlet may not have the manic, buzzy energy of Balthazar in its prime, or the old-world, wise-guy grandeur of Minetta Tavern, but the nicely aged prime-rib burger is almost as satisfying as its vaunted predecessor at Minetta, and its slathered, for an extra trencherman’s kick, with bacon-and-shallot marmalade and melted Gruyère. Some of the entrées we sampled were underwhelming (the bland chicken breast, the livery-tasting roasted foie gras), but the skate wing meunière (served bone in) and steak au poivre (made with filet mignon) are adequate versions of these old brasserie staples, and if you have the appetite (and, at $48, the necessary funds), get the thickly marbled slab of prime rib, which is dry aged to a gentle gaminess and served with an elegant little stack of pommes soufflés on the side.

    You can toast the good old days with 15 kinds of Champagne at Cherche Midi, along with a representative selection of mostly French, mostly modestly priced wines. The $15 house cocktails are elaborately named and brightly colored, as is the fashion at other gin joints up and down the Bowery, but if you wish to take a little bit of the edge off on a sweltering summer evening, the boozehounds at my table recommend the vividly green, cachaça-based Green and Gold, which is poured over crushed ice. After the entrées are cleared away, the hardworking servers dutifully hoist a cheese board to the table, in accordance with ancient French custom, and if none of these appeal, there are two modestly successful soufflés to choose from (chocolate and raspberry) and a properly opulent vers

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    7 Sites de Dons Entre Particuliers, Crédit Social, site pour donner des objets gratuitement. #Site #pour #donner #des #objets #gratuitement

    Le guide du micro-crédit solidaire et des aides financières

    7 sites de dons entre particuliers : récupérer gratuitement des meubles, objets, jouets et de l’argent !

    Pourquoi payer quand cela peut-être offert ? Récupérer gratuitement des objets est possible dans notre beau et grand pays : ameublement, informatique, électroménager, téléphone portable… Se débarrasser de ses objets inutiles ailleurs qu’en les mettant à la poubelle permet d’en faire profiter les autres, par le biais d’échanges, de troc, ou tout simplement de dons gratuits entre particuliers (à ne pas confondre avec les dons d’argent entre particuliers). Les sites Internet qui permettent de faire de la récup’ sont nombreux, et en cherchant bien, il est fort possible que vous y trouviez votre bonheur. Petite revue d’effectif pour avoir la chance de profiter du grand nettoyage de printemps.


    Donner au lieu de jeter, c’est un grand pas pour l’homme et pour la planète, n’en déplaise aux adeptes de la consommation à outrance. La récup, ce sont de vieilles affaires et de vieux objets mais pas seulement, puisqu’il peu aussi s’agit d’un don de meubles ou d’appareils ménagers en parfait état dont les gens ne se servent plus : canapé gratuit, machine à laver…

    On ne trouve sur ce site que des annonces dont c’est la finalité : aucuns échanges mercantiles.


    Ca fonctionne un peu comme le bon coin, on peut faire une recherche des offres et des demandes par département, mais aussi dans certains pays francophones comme la Belgique, la Suisse et le Canada Tous les objets proposés ne sont pas en excellent état mais qu’importe : il y aura toujours une personne intéressée pour récupérer. Et puis parfois, avec un peu de bricolage, on remet à neuf assez facilement ce qui ne semblait plus guère l’être. Les collectionneurs aussi peuvent y trouver leur bonheur.

    Si tous ce qui dormait dans les caves et les greniers de France et qui ne revoient jamais la lumière du jour était ainsi proposé à ceux qui en ont besoin, le monde prendrait une autre couleur, et on y gagnerait de la place.

    Les dons interdits

    Peux-t-on tout donner ? Non, et il n’est pas très difficile de comprendre pourquoi. Le site est victime de son succès, et la liste des offres s’allongent de jour en jour, pas toujours dans l’intérêt du consommateur d’ailleurs, raison pour laquelle le modérateur refuse les bons de réductions qui ne sont qu’un attrape nigaud sous des airs de bonnes affaires déguisées.

    De la même façon, il n’est pas possible d’y donner des animaux afin d’éviter tout acte de cruauté ou de trafic. Pas de nourriture pour éviter de tomber malade avec des produits avariés. Pas de jouets « made in china » ou qui semble dangereux pour les enfants.

    Pas de produits pour se maquiller qui peuvent donner des allergies et dont certains ont pu être testés sur des animaux. Pas de crème solaire périmées pour éviter les coups de soleil. Pour donner sa voiture, c’est uniquement avec la carte grise. Pas de médicaments disponibles uniquement sur ordonnance. Pas de dons qui nécessitent des frais de port (cela évite les arnaques). Enfin, pas d’objets qui peuvent mettre en danger la vie d’autrui.

    le-dindon.fr : je donne tout gratuitement

    Encore une initiative qui donne la banane quand on se trouve dans la galère où que l’on veut simplement faire plaisir à son prochain. Comme quoi, le net ne sert pas qu’à gagner de l’argent sur le dos des gogos qui y passent leurs journées à la maison ou au boulot. Car ce qu’il faut dans notre société de consommation, c’est changer sa manière de voir les choses et d’appréhender le monde, et ça le dindon le fait très bien.

    Saviez-vous que dans la culture amérindienne, cet animal est le symbole de la générosité ? Car c’est en partageant qu’on devient plus humain. Si vous videz votre appartement, il y a donc une autre façon de se débarrasser des choses inutiles que de les mettre sur le trottoir en attendant le passage hypothétique de la déchetterie ! Et en plus, vous ferez des heureux, que demander de plus ? Site gratuit à 100%.


    Un autre site qui permet de recycler ce qui traîne dans son appartement sans passer par la poubelle ou par le stockage. Les annonces sont gratuites, donc pas besoin de sortir sa CB et de donner ses numéros de carte. Pour les personnes intéressées par une annonce, mieux vaut pouvoir vous déplacer pour aller chercher l’objet.

    Déjà qu’il est offert, vous n’allez pas en plus demander à l’expéditeur de se charger d’envoyer et de payer le colis ! Comme pour tous les sites de petites annonces, faites attention aux arnaques, aucun modérateur n’est à l’abri d’en laisser passer une entre les mailles de son filet.


    Ici la récup est une religion, et la décroissance son serviteur. Le don d’objets entre personnes consentantes y bat son plein, et on peut ainsi récupérer en bon état des jouets et des vêtements, voire des meubles si on habite pas trop loin de l’annonceur.

    C’est une façon écologique de recycler ce qui ne sert plus, et de donner à ses objets une seconde vie. Les étudiants peuvent ainsi s’équiper à moindre frais, les chômeurs avoir des meubles décents, et les personnes âgées de la place dans leur armoire (en plus du lien social qui se créé). Possibilité de recevoir des alertes quand on recherche quelque chose de bien particulier. Le site est organisé comme celui d’un réseau social, on peut donc même s’y faire des amis.

    D’autres sites connaissent un succès similaire, partout en France, et permettent d’avoir ce qu’on n’avait jamais rêvé de posséder faute de moyens : toutdonner.com , troquito.com , objetgratuit.com pour ne citer qu’eux.

    Les sites de dons dargent entre particuliers

    Ici, on touche du doigt un des problème d’Internet, où certains escrocs profitent de la crédulité des plus faibles et des moins méfiants. Attention aux arnaques : personne ne donne de l’argent sur une impulsion ou parce que vous avez une bonne tête. Cela n’existe pas, à moins d’un miracle, mais pour ça, il faut aller à Lourdes.

    Attention aux arnaques des annonces des sites entre particuliers. Plus il y a d’utilisateurs, et plus elles sont nombreuses, et en la matière, les escrocs sont débordants d’imagination. Il existe toutefois des sites sérieux pour avoir un prêt entre particuliers.

    Les ruses les plus fréquentes

    Quelques exemples où des gens sont déjà tomber dans le panneau : ne jamais donner d’argent sous prétexte que vous allez en recevoir beaucoup plus. Bien rodée, cette arnaque nous vient d’Afrique noire. Donc, pas de virements bancaires, ni de Western Union, pas de pièce d’identité envoyée par mail pour répondre à une annonce… Si vous avez des doutes sur une annonce, un mail, où un site, ne prenez pas de risque et fuyez le comme la peste.

    Les indices : fautes d’orthographes et de grammaires, mais pas toujours. Beaucoup d’arnaques par exemple pour les locations saisonnières. On envoie des arrhes et une fois en vacances, la maison promise n’existe pas… Je parle en connaissance de cause. C’était à New-York, et j’ai du me rabattre sur une chambre d’hôtel miteuse.

    D’une manière générale, dites vous que toutes les offres qui sont trop belles pour être vraies sont des arnaques, vous irez plus vite en besogne et éviterez de devenir le dindon de la farce.

    Dépôt de plainte

    Ainsi, pas d’héritages qui tombent du ciel (à moins véritablement d’avoir un vieil oncle souffrant). Si malgré tout vous vous êtes quand même fait avoir, il ne faut pas hésiter à porter plainte. Il y a peu de chances de retrouver l’escroc, mais la preuve du dépôt de plainte peut faire marcher les assurances et de prouver votre bonne foi.

    Il y avait cette chanson, très populaire dans les années 80 « donnez donnez moi… dieu vous le rendra ». Et bien le net l’a fait. C’est l’arrivée de la brocante à la maison, mais sans avoir à payer les euros symboliques demandés.

    Autos, camionetas, y 4×4 usados – Página 1 en Kansai, autos usados salta. #Autos #usados #salta

    Autos usados saltaKansai

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    Bourse d – étude – Bourses D – étude – Mieux-travailler – Le Parisien Etudiant, bourse du monde. #Bourse #du #monde

    Bourse détude

    Demande de bourses détudes : quelle bourse et comment demander une bourse détude pour obtenir une aide financière ?

    Si vous désirez obtenir des aides financières pour vous permettre d’étudier dans le supérieur, différentes solutions sont possibles. Demandez une bourse d’étude (aussi appelée bourse étudiant).

    Ces bourses d’études vous offrent l’exonération des droits d’inscription dans votre établissement d’enseignement supérieur et l’exonération de la cotisation à la sécurité sociale étudiante. Cependant ces bourses d’études vous obligent à une assiduité parfaite, à une présentation à tous les examens, et à une année à temps plein de travail («consacrer la majeur partie de son temps»).

    Attention la plupart des demandes doivent être constituées du 15 janvier au 30 avril en remplissant votre “Dossier Social Etudiant” au près de votre CROUS. Votre demande de bourse d’étude concernera alors l’année d’étude suivante.

    Cette bourse d’étude est la plus distribuée : destinée aux étudiants de moins de 26 ans, aux ressources familiales limitées et poursuivant des études en formation initiale dans un établissement relevant du Ministère de la Jeunesse de l’Education Nationale et de la Recherche. Le montant de cette bourse peut atteindre 5500 euros (généralement sur une durée de 10 mois). Conditions d’obtention : avoir moins de 26 ans, justifier de ressources financières limitées, avoir le baccalauréat.

    Une aide financière pour les meilleurs élèves déjà éligibles aux bourses (qui en ont besoin). Vous êtes titulaire d’un baccalauréat avec mention Très Bien ou vous faites partie des meilleurs élèves en sortant de Licence (L3), et vous souhaitez poursuivre vos études dans un institut de formation supérieur. vous pouvez toucher 1800 euros en plus de l’aide sur critères sociaux.

    Ces bourses sont destinées aux étudiants qui sont inscrits à la préparation à des concours de recrutement de fonctionnaires (fonction publique). Anciennement appelée “bourse de service public” cette aide vous facilite l’accès à la fonction publique.

    Les autres aides financières possibles

    Elle se présente sous la forme d’une aide complémentaire à la bourse sur critères sociaux, pour les étudiants qui en sont bénéficiaires.

    La mensualité pour 2013-2014 s’élève à 400 euros.

    Ces aides ne sont pas cumulables avec les prestations familiales des parents pour les enfants de moins de vingt ans. L’étudiant qui choisit de bénéficier des aides au logement n’est plus considéré comme étant à la charge de ses parents pour l’ouverture des droits aux prestations familiales.

    Avant le 30 avril remplissez votre “Dossier Social Etudiant” au près de votre CROUS.

    Baño archivos – Decoración de Interiores y Exteriores, modelos de decoracion de baños. #Modelos #de #decoracion #de #baños

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    Das online Kredit Portal, blitzkredit. #Blitzkredit

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    Kredite ohne Schufa, einer günstigen Baufinanzierung, Beamtendarlehen stellen

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    Angaben § 6a PAngV: Unveränderlicher Sollzinssatz ab 3,93%, effektiver Jahreszins ab 3,98% 15,99%, Nettodarlehensbetrag ab 1000,- bis 50.000,- €, Laufzeiten 12 bis 120 Monate, Bavaria Finanz Service e.K., Ahornring7, 94363 Oberschneiding. Bonität vorausgesetzt. Bei einem Nettodarlehensbetrag von 7.500,- € und einer Laufzeit von 48 Monaten erhalten 2/3 der Kunden vorraussichttlich einen eff. Zinssatz von 8,85 % oder günstiger (geb. Sollzinssatz 5,19 %).

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    Alles super geklappt. Nachdem alle Unterlagen von mir eingereicht wurden, hat es ca 5 Tage bis zur Auszahlung gedauert. Trotz negativer Schufa. Top gerne wieder

    Jörg F. – Bauarbeiter

    Es gab keinerlei Probleme bei der Kreditabwicklung! ein Lob an die günstigen Kreditkonditionen und Zinsen. Sehr zügig.

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    Mehr zu: Kredit ohne Schufa Sofortkredite Kredite für Selbständige

    Durch die schnelle Auszahlung ist der Kredit ohne Schufa Auskunft die günstige und schnell Lösung für den raschen Geldbedarf. Wie bei allen anderen Kreditformen regelt ein Kreditvertrag auch beim Kredit ohne Schufa die Zinsen, Laufzeit. Bei nachgewiesener Bonität (außer Schufaauskunft) steht dem Kredit ohne Schufaauskunft nichts mehr im Wege. Dass bei schufafreie Kredite (Kreditanbieter ohne Schufa ) das Zinsniveau entsprechend angepasst wird, dürfte wohl jedermann verständlich sein. Bei vielen Menschen, die in der Vergangenheit Kredite nicht ordnungsgemäß bedienen konnten und die so zu Schufa-Einträgen gekommen sind, kann bei schnellem Finanzbedarf echte Finanz-Notsituationen, obwohl genügend Einkommen zur Verfügung steht, ist die oft veraltete Schufaauskunft ein Hemmnis bei der Kreditvergabe. Dieser Kredit ohne Schufa wird von einer Schweizer Bank vergeben.

    Sofortkredite sind die beliebteste Antragsform online. Bei einem Sofortkreditantrag wird unverzüglich, meist online, die Kreditentscheidung getroffen. Bei negativer Schufa-Auskunft kann die Kreditvergabe zum Problem werden.Oft kann nur noch die Einschaltung einer Kreditvermittlung helfen, die auch in bestimmten Fällen noch Kredite ohne Schufa Auskunft realisieren können. Onlinekredit Kredit online bestellen.

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    Ein schufafreier Kredit ist ein Auslandskredit aus der Schweiz. Dieser Schweizer Kredit wird seit über 20 Jahren an deutsche Kreditnehmer vergeben. Schufafreie Kredite sind eine beliebte Finanzierungsform, da hierbei auf die Schufa vollständig verzichtet wird.

    Fimenkredite, somit Kredite für Selbständige, Freiberufler sind ein wesentlicher Bestandteil des Kreditangebots von Bavaria Finanz. Kredite für Selbständige können wir besonders flexibel und mit langen Laufzeiten anbieten. Kredite für Selbständige.

    Borsa italiana in tempo reale, borsa italiana in tempo reale. #Borsa #italiana #in #tempo #reale

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    Dirigenti P.A, si tratta su scatti da 250 euro

    Un nuovo contratto, dopo 8 anni di blocco, per i dirigenti. Mercoledì si apriranno le trattative per i vertici delle amministrazioni statali. Via libera a nuove assunzioni e bandi di concorsi

    Tim: Calenda, con Cdp reazione contro predatori francesi

    Il fondo Elliott porta nel consiglio di amministrazione 10 indipendenti. Nuovo board si riunisce lunedì. Fulvio Conti verso la presidenza.

    California supera Gb, quinta economia al mondo

    Il pil californiano e’ cresciuto nel 2017 a 2.750 miliardi di dollari, mentre quello inglese si è contratto leggermente

    Buffett: Berkshire Hathaway in rosso, prima volta dal 2009

    La holding che fa capo a Warren Buffett chiude il primo trimestre in perdita a causa dell’attuazione di nuove regole contabili

    Sicilia ultima Ue donne occupate, 29,2%

    Le ultime 4 regioni in Europa per tasso di occupazione femminile sono in Italia. La Sicilia si conferma fanalino di coda

    Ue, crescita Italia prosegue a 1,5%, ma cala nel 2019

    Commissione europea: +1,2% a causa dei venti di coda che si indeboliscono. Incertezza prolungata può agitare mercati

    Generali: l’utile del primo trimestre balza dell’8,6%

    Ferrari segna un utile record

    “Il 2018 inizia con un altro trimestre da record. Verso un altro grande anno”. Così la Ferrari commenta i conti dei tre mesi, approvati dal consiglio di amministrazione.

    Alibaba,+49% i ricavi dell’anno

    Il gruppo cinese Alibaba ha chiuso l’anno fiscale al 31 marzo 2018 con un risultato netto di 9.791 milioni di dollari con una crescita del 49% rispetto al precedente bilancio annuale. I ricavi sono aumentati del 58% a quota 39.898 milioni di dollari.

    Meno impatto per le Pmi

    Gli investimenti nelle tecnologie digitali – dalla robotica ai social media – “stanno trasformando l’economia globale” con forti incrementi di produttività per le imprese.

    Disoccupazione 2017 all’ 11,2%, il minimo da 4 anni

    Occupazione al top dal 2009, ma sotto il picco pre-crisi. Oltre 100 mila persone in meno in cerca di lavoro (-3,5%)

    Famiglie temono imprevisti,

    Indagine di Confindustria registra che continua a calare la fiducia delle famiglie, scesa a marzo 2018 a 15,4 punti. Il primo problema rimane la mancanza di lavoro

    Xiaomi, maxi ipo per

    Presenta documenti, valore società cinese smartphone a 100 miliardi di dollari

    Confindustria, con reddito cittadinanza spreco ingente

    Il reddito di cittadinanza potrebbe costare molto (30 miliardi di euro o più rispetto ai già elevati 17 miliardi prospettati dal M5S) e “comportare uno spreco ingente di risorse pubbliche, poiché verrebbe concesso anche a individui che poveri non sono”.

    Chitarre Gibson sono in bancarotta

    Con Chapter 11 obiettivo rilancio e meno debito

    Agenzia delle Entrate, sono 455mila domande rottamazione

    Le richieste di “rottamazione delle cartelle” arrivate all’Agenzia delle entrate hanno raggiunto le 455.000 unità.

    Dazi, Usa: all’Ue 30 giorni per trattare

    Tajani, Ue sia esentata una volta per tutte. Gentiloni, essenziale ora esenzione permanente

    Brusca frenata dell’inflazione Ad aprile scende da 0,8 a 0,5%

    Istat, effetto ribasso tariffe luce e gas. Carrello della spesa rincara, con un aumento dell’1,5%

    Sempre più tatuatori e giardinieri, ma calano artigiani

    Unioncamere-InfoCamere, 110mila in meno in 5 anni

    Vacaciones en Conil – Alquiler de Apartamentos, Casas Rurales y Pisos, alquiler apartamentos conil. #Alquiler #apartamentos #conil

    Vacaciones en Conil de la Frontera

    Calle Cadiz. Conil de la Frontera. Cádiz

    Alquiler de apartamento ubicado en el popular barrio de Puerta de Cadiz, Conil. Con una gran terraza orientada al sur, muy soleada y sin ruidos y a menos de 5 min. andando de las playas

    Dormitorios: 1 I Personas: 1/4

    Estancia mínima: 2 Noches – T. Alta 1 Semanas


    Apartamento céntrico y cerca de la playa

    Calle Padre Ramirez. Conil de la Frontera. Cádiz

    Apartamento céntrico en Conil de la Frontera a solo 5 minutos de un paseo de la playa de Los Batales. Está totalmente equipado y tiene capacidad hasta 5 personas

    Dormitorios: 1 I Personas: 1/5

    Estancia mínima: 2 Noches


    Semana Santa , Navidad, Festivos, preguntar precios. Para meses Completos en temporada baja, por 450 euros. Fianza de 80 euros

    4-7 personas, piscina privada, 700m playa ¡¡VEN A RELAJARTE EN MI JARDÍN!!

    Finca Roche Viejo. Ctra. del Puerto Pesquero. Conil. Cádiz

    Alquiler de casa rural en Roche Viejo, en enclave natural que evoca tranquilidad y descanso y cerca de las playas de Conil. Amplia parcela ajardinada con arboleda y mucha intimidad

    Dormitorios: 3 I Personas: 4/7

    Estancia mínima: 1 Noche


    Rango de precios por noche entre 70€ – 260€, para precios más detallados contacte por favor.

    1 de Marzo al 29 de Abril. 460E/semana para 4 personas. 29 de Marzo al 1 de Abril. 460E/ 3 noches SEMANA SANTA. 6 personas. 1 de Abril al 29 de Abril. 460E/semana para 4 personas. 29 de Abril al 13 de Mayo. 510E/semana para 4 personas. 13 de Mayo al 27 de Mayo. 560E/semana para 4 personas. 27 de Mayo al 10 de Junio. 660E/semana para 4 personas. 10 de Junio al 24 de Junio. 710E/semana para 4 personas. 24 de Junio al 1 de Julio. 910E/semana para 4 personas. 1 de Julio al 15 de Julio. 1200E/semana para 4 personas. 15 de Julio al 22 de Julio. 1550E/semana para 6 personas. 22 de Julio al 2 de Septiembre. 1760E/ semana para 6 personas. 2 de Septiembre al 9 de Septiembre. 810E/semana para 4 personas. 9 de Septiembre al 23 de Septiembre. 660E/semana para 4 personas. 23 de Septiembre al 30 de Septiembre. 560E/semana para 4 personas. 30 de Septiembre al 14 de Octubre. 510E/semana para 4 personas. 14 de Octubre al 26 de Noviembre. 460E/semana para 4 personas.

    Decoración mediterránea y estilo griego cerca de las playas de Conil

    Carril Colada la Venta. Conil de la Frontera. Cádiz

    Apartamentos con encanto perfectos para parejas o familias con uno o dos niños. Bonita decoración de inspiración de estilo rústico-griega, zona ajardinada con hamacas y piscina

    Dormitorios: 1 I Personas: 2/4

    Estancia mínima: 2 Noches – T. Alta 1 Semana

    Deutsch-Englisch Wörterbuch – Übersetzung, wörterbuch auf englisch.

    #Wörterbuch #auf #englisch

    Deutsch-Englisch Wörterbuch

    Simultane Suche Englisch-Deutsch und Deutsch-Englisch.

    Suche alphabetisch im Deutsch-Englisch Wörterbuch

    Im Deutsch-Englisch Wörterbuch kannst Du alle verfügbaren Deutsch-Englisch Übersetzungen nachschlagen. Wähle dazu den Anfangsbuchstaben des gesuchten Wortes aus der untenstehenden Liste aus. Wenn Du das entsprechende Wort gefunden hast, klicke es an, um zum Deutsch-Englisch Wörterbuch zu gelangen.

    Deutsch Online Wörterbücher

    Deutsche Übersetzung prüfen

    Du kannst mit dabei sein, wenn das weltweit größte Online-Wörterbuch entsteht. Hier findest Du die neuesten deutschen und Englisch-Übersetzungen, die von Nutzern für das Deutsch-Englisch Wörterbuch vorgeschlagen wurden. Du kannst mitmachen, indem Du ein deutsches Wort überprüfst oder für einen Übersetzungsvorschlag auf deutsch oder englisch stimmst. Wenn Du glaubst, dass ein Vorschlag für eine deutsche oder englische Übersetzung falsch ist, kannst Du gegen den Vorschlag stimmen oder das deutsche oder englische Wort verändern.

    Warum mitmachen?

    Du kannst bei bab.la mitmachen und uns dabei helfen, das Deutsch-Englisch Wörterbuch zu einem der besten und größten Online-Wörterbücher der Welt zu machen. Täglich entstehen neue Wege, deutsche Begriffe auf Englisch zu übersetzen. Außerdem kann eine deutsche Übersetzung, abhängig von Anwendung und Fachgebiet, auf Englisch unterschiedliche Bedeutungen haben. Deswegen hat unser Englisch-Wörterbuch verschiedene deutsche und englische Übersetzungen. Nur mit Deiner Hilfe und Deinen neuesten Übersetzungen auf deutsch und englisch können wir unser Deutsch-Englisch Wörterbuch auf dem neuesten Stand halten. Die Beiträge der Nutzer sind dabei die beste Methode, um das Online-Wörterbuch mit den neuesten regionalen und umgangssprachlichen deutschen Ausdrücke auszustatten. Neue Vorschläge für das Deutsch-Englisch Wörterbuch werden aber nicht sofort eingetragen. Um einen hohen Qualitätsstandard zu sichern, wird eine neue deutsche Übersetzung so lange als unverifiziert markiert, bis zehn bab.la-Nutzer die englische Übersetzung bestätigt haben.

    Registrierte bab.la Nutzer sind nicht nur Teil der bab.la Gemeinschaft, sondern erhalten auch Punkte für die Weltrangliste, indem sie zum Beispiel neue Einträge für das Deutsch-Englisch Wörterbuch vorschlagen. Wenn Du Dir bei einer deutschen oder englischen Übersetzung unsicher bist, kannst du immer eine Frage im Deutsch-Englisch Forum stellen. Hier bekommst Du Hilfe von anderen bab.la Nutzern. Du kannst zum Beispiel Fragen zu der deutschen Sprache, zu schwierigen Übersetzungen und zu neuen deutschen und englischen Übersetzungen von bestimmten Ausdrücken stellen.

    Eine Sprache mit dem Deutsch-Englisch Wörterbuch lernen

    Wenn Du eine neue Sprache lernen willst, dann können Dir die bab.la Wörterbücher helfen, die ersten Hürden zu überspringen und versteckte Möglichkeiten zu entdecken. In unserem Wörterbuch kannst Du deutsche und englische Übersetzungen finden, nach denen Du gesucht hast, aber noch weitere nützliche Werkzeuge, die Dir dabei helfen sollen, eine neue Sprache zu meistern. Das bab.la Wörterbuch wird Dich Deinem Ziel näher bringen, flüssiger zu sprechen, neue Wörter zu lernen, Deinen Horizont über die Kultur zu erweitern und Teil einer großen Gemeinschaft zu werden, die eine Vision verfolgt: dabei sein und das größte Sprachportal im Internet zu werden.

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

    Scholarship opportunities, WBCAMPUS, cours des bourses européennes. #Cours #des #bourses #européennes


    Main menu

    You are here

    Scholarship opportunities

    Some institutions offer various student financial support: grants, reductions in registration fees, housing benefits. Students who need financial support for their academic stay in Wallonia-Brussels should contact the social services implemented within the institution.Choose your institution

    The Erasmus Mundus programme is funded by the European Union and sets out to enhance and improve the quality of European higher education by encouraging academic cooperation and exchanges worldwide.

    The program is broken down into three actions:

    • Action 1 Joint Masters and Doctorates;
    • Action 2 Partnerships between European and non-European higher education establishments;
    • Action 3 Projects to promote European Higher Education.

    Action 1 the Erasmus Mundus Masters and doctorates are joint programs leading to the conferral of joint, double or multiple degrees that are officially recognised.

    Study grants are only awarded for Masters degrees and doctorates selected under Erasmus Mundus.

    The Erasmus Mundus joint Masters and Doctorate programs mainly target two categories of students who must apply according to different procedures and timetables:

    • The 1st category includes students from countries defined in the Erasmus Mundus program as third countries , namely all the countries of the world with the exception of the Member States of the enlarged European Area and that are neither resident or have not exercised their main activity (studies, employment, etc.) for more than 12 months in total over the past five years in one of these 27 Member States of the EU. They will be eligible to apply for a type A Erasmus Mundus grant.
    • The 2nd category includes students who are nationals of the Enlarged European Area, or non-European students who have spent a significant part of their studies or professional activities in one of the Member States of the EU mentioned above, for a period of over 12 consecutive months during the last five years. These students can apply for a B type grant.

    Those interested in an Erasmus Mundus grant must apply directly to the consortium that awards the Erasmus Mundus Masters or Doctorate and undergo a selection process organised by the partners involved. Each consortium defines its own criteria for the selection of the applicants (see below for the Erasmus Mundus programme in Wallonia-Brussels).

    To find out more, contact the coordinator of the Erasmus Mundus consortium that proposes a joint Masters or Doctorate.

    Erasmus Mundus Pprogrammes in Wallonia-Brussels

    Erasmus Mundus Masters programmes in Wallonia Brussels :

    • Partenaire EMJD (Doctorat) Nanofar : European Doctorate in nanomedicine and pharmaceutical innovation -Université de Liège/Université Catholique de Louvain
    • Partenaire EMJD-DC : Joint Doctorate in Distributed Computing – Université Catholique de Louvain
    • Coordinateur EMJD (Doctorat) ITABIDC Erasmus Mundus Joint Doctorate Information technologies for Business Intelligence-Doctoral College – Université Libre de Bruxelles
    • Simulation in Engineering and Entrepreneurship Doctorate – Université Libre de Bruxelles (Partenaires EMJD-SEED)

    Wallonia-Brussels International (WBI) is a public authority entrusted with the international relations of the Federation Wallonia-Brussels.In a context of greater mobility and globalisation, for several years now WBI has been running a programme of excellence grants that makes it possible to receive foreign researchers in universities of Wallonia and Brussels.This scholarship IN WBI program is intended to foreign nationals holding a PhD from a foreign institution of higher education.The types of grants are:

    • postdoctoral of a minimum duration of 1 year level grants renewable once;
    • short-term research grants of a duration of 1 to 3 months.

    Panamerican Rentacar – Alquiler de carros en Bogotá, alquiler de carros en bogota. #Alquiler #de #carros #en #bogota

    alquiler de carros en bogota

    Alquiler de carros en bogota Visítenos: calle 92 No. 15-48 Ofc. 209

    Alquiler de carros en bogota Reservas: 257 1406 – 310 2935554

    Alquiler de carros en bogota

    Alquiler de carros en bogota Alquiler de carros en bogota Alquiler de carros en bogota Alquiler de carros en bogota

    Alquiler de carros en bogota Reservas: 257 1267 Alquiler de carros en bogota Visítenos: calle 92 No. 15-48 Ofc. 209

    Alquiler de carros en bogota

    Alquiler de carros en bogota

    Alquiler de carros en bogota

    Panamerican Rentacar S.A.S

    Panamerican Rentacar es una sociedad 100% Colombiana creada en 1998. Desde entonces se ha dedicado totalmente a la renta de autos tanto para el sector privado como para el sector empresarial y turístico.

    Nos especializamos en ofrecer soluciones de transporte a la medida de las necesidades del cliente suministrando siempre vehículos último modelo.

    Alquiler de carros en bogota


    Panamerican Rentacar Hace entrega de los vehículos con seguro general de alquiler contra todo riesgo, Con cubrimiento del 90% que incluye amparo de alquiler, amparo de responsabilidad civil extra contractual y asistencia jurídica en proceso penal.

    Alquiler de carros en bogota


    Se llevan los vehículos periódicamente y mediante una programación preestablecida, tanto para mantenimientos preventivos como correctivos, los cuales se llevan a cabo en talleres ampliamente reconocidos, lo cual nos brinda una alta confiabilidad.

    Alquiler de carros en bogota


    Panamerican Rentacar presta el servicio adicional de conductor con disponibilidad hasta de 24 horas si usted así lo requiere. Trabajamos con conductores calificados que cumplen con las exigencias de transito y con los requerimientos propios del servicio.

    Alquiler de carros en bogota


    Al alquilar un vehículo con Panamerican Rentacar usted accede a beneficios como la disponibilidad de su vehículo sin limite de kilometraje, goce de movilidad ilimitada con nuestra característica de alquiler con kilometraje libre dentro de las fechas de alquiler.

    Unterhaltskosten Auto: Versicherung, Verbrauch, Kfz-Steuer, Wartung, verbrauch auto. #Verbrauch #auto

    Der Autokostencheck – wie teuer ist mein Auto im Unterhalt?

    Wenn Du ein genaues Modell im Blick hast, werden Dir hier seine Unterhaltskosten gezeigt.

    Du planst ein neues Auto zu kaufen und willst eines mit möglichst niedrigen laufenden Kosten?

    Du hast ein Unterhaltskosten-Limit für Dein Fahrzeug und willst sehen, welche Modelle damit möglich sind?

    Du willst regelmäßig Modelle vergleichen und Deine Fahrzeuge und Einstellungen dauerhaft speichern?

    Du willst dich über die Höhe unterschiedlicher Auto-Ausgaben informieren? Die echten Kosten der Elektromobilität hinterfragen? Deine Sparpotenziale erkennen oder beim Autokauf gut vorbereitet sein?

    Welches ist das gГјnstigste Auto nach meinen Vorgaben? Bei welchem Kfz habe ich die niedrigsten Unterhaltskosten?

    Welches Auto kann ich mir leisten? Welche g nstigen Alternativ-Modelle gibt es fГјr mein Budget?

    Alle Kfz-Unterhaltskosten auf einen Blick

    Ob Kfz-Steuer, Versicherung, Spritverbrauch, Wertverlust, Wartungskosten oder Leasing- und Autokredit-Raten – wer wissen will, wie teuer sein Wunschfahrzeug im Unterhalt sein wird, findet hier alle wichtigen Angaben. Passen Sie die Kostenberechnung an Ihre eigene Situation an: Haftpflicht- und Kasko-Prozente, jГ¤hrlich gefahrene KM oder Fahrertyp. So erhalten sie eine genaue Kalkulation der zu erwartenden Unterhalts- und Betriebskosten.

    Verbrauch auto

    Kostencheck von 25.000 Modellen

    • Alle Hersteller von Alfa Romeo bis Volkswagen.
    • Unterhaltskosten-Schnellcheck fГјr jedes Fahrzeug mit zus tzlichen Details zu Versicherung, Kfz-Steuer, Wertverlust, Autokredit und Leasing.
    • Einfache Fahrzeugsuche im Katalog oder durch Eingabe von Hersteller & Typ
    • Technische Daten und -Verbrauch zu jedem Wagen
    • Kostenlose Gebrauchtwagen-Bewertung f r viele Fahrzeuge
    • Die 10 preisg nstigsten Versicherungstarife zu jedem Auto mit einem Klick
    • Alle Typklassen zu Haftpflicht, Teilkasko und Vollkasko
    • Alternativmodelle mit besserer Versicherungs-Einstufung
    • Mit integriertem Vergleichsrechner, der Ihnen schnell den individuell besten Tarif berechnet
    • Die Typklassen-Entwicklung der letzten Jahre – ist das Auto teurer oder billiger geworden?

    Autokosten vergleichen – Ihre Merkliste

    F r welches Auto entscheiden? Die Antwort l sst sich mit einem Kostenvergleich vereinfachen.

    • Legen Sie alle interessanten Fahrzeuge auf Ihrer Merkliste ab.
    • Die Unterhaltskosten aller gemerkten Fahrzeuge lassen sich dann in einer Vergleichstabelle genau gegen berstellen
    • Bei jedem Fahrzeug finden sie diesen Button. Durch Klick wird das Auto auf der Merkliste abgelegt.
    • Den Inhalt der Liste sehen Sie immer in der rechten Spalte. Alle gespeicherten PKWs lassen sich nun vergleichen.

    Der autokostencheck.de Budgetrechner

    Welches Auto kann ich mir leisten?

    • Der Budgetrechner zeigt, welche Fahrzeuge man sich mit einem festen Monatsbudget leisten kann
    • Alle persГ¶nlichen Einstellungen wie gefahrene KM und Versicherungs-Prozente werden berГјcksichtigt.
    • Budget und Fahrzeugtyp festlegen und los gehts. Wer mГ¶chte, kann die gefundenen Autos zusГ¤tzlich nach PS, Baujahr, Hersteller oder Kraftstoffsorte filtern.

    Vicenza: Tourist and Travel Guide from Italy Heaven, b&b veneto. #B&b #veneto


    About Vicenza

    Vicenza is located in the Veneto region of Italy, in its own province (the Provincia di Vicenza). It’s a medium-sized town, with a population of 110,000. There has been a settlement here right back into the depths of history; remains of the Roman town can still be seen. Later, after the barbarian invasions which repeatedly devastated this part of Italy, it became a significant town, ruled at different times by various greater powers. For several centuries it was governed by Venice; then Napoleon, then the Austrians. In 1866 it became part of the new Kingdom of Italy.

    Vicenza was a prosperous town under Venetian rule, and its pride was demonstrated in fine architecture, much of which still survives. Its ‘unique appearance,’ largely owing to the work of influential sixteenth-century architect Andrea Palladio, has led to the town’s designation as a UNESCO World Heritage Site: City of Vicenza and the Palladian Villas of the Veneto. After Palladio, Vicenza is most famous for its trade in precious metals, it’s also known as the ‘City of gold’.

    It’s a lovely town to visit; with a beautiful, compact town centre and attractive villas and viewpoints in the hills a short walk away.

    Visiting Vicenza

    The railway station is to the south-west of the town centre; most of Vicenza’s attractions are clustered closely together inside the old town walls. Walking straight along Viale Roma from the railway station, you’ll pass two bus stops for the number 8 – if you are planning a trip to the villas just outside town, check the latest timetable displayed here. Soon you’ll arrive outside the old town gate, Porta Castello, but first you can visit the Giardino Salvi just outside the gateway: a shady park, ornamented with statues and the Palladian Loggia Valmarana, which is dramatically reflected in dark waters.

    Just inside the gateway lies a very convenient self-service restaurant, Self Pause, which is a cheap and quick place to fill up before exploring the town centre. Around Vicenza you can admire many grand buildings by Palladio and his followers. The Italian word palazzo usually means any large building rather than a palace; but many of Vicenza’s palazzi do merit the grander translation. Some of the town’s buildings are medieval, with several in the Venetian Gothic style, but the majority date from the sixteenth and seventeenth centuries. They line the narrow lanes of Vicenza’s town centre; which are called contra, a local word for ‘street’.

    As soon as you’re inside the Porta you find yourself among the town’s great buildings. One of the most curious is off to your right. Designed by Palladio, Palazzo Porto Breganze was never finished and stands in an abbreviated form. In front of you is the Corso Andrea Palladio, the centre’s main thoroughfare, lined with smart shops and cafes. Some of Vicenza’s grandest palazzi lie on Contra Porti, off to the left.

    Piazza dei Signori, a few yards south of Corso Andrea Palladio, is the heart of town. It is dominated by two of Vicenza’s most striking landmarks, the Basilica Palladiana, the town’s medieval law courts, with an imposing later facade by Palladio, and the adjacent Torre di Piazza, a tall and skinny tower. Right in the long midday shadow cast by the tower you’ll find one of Vicenza’s tourist information offices, where you can pick up a town map, leaflets about local events and attractions and any advice you may need. A second office is located not far away, by the Teatro Olimpico.

    The town’s most famous individual sight is the Teatro Olimpico, Palladio’s last work, which was finished by his son and then by Vincenzo Scamozzi. The ticket you’ll buy here (Ђ8) entitles you to enter the town’s various civic museums. Conveniently, the theatre is open throughout the day with no lunchtime closure. The building was modelled on ancient Roman theatres, with a curved amphitheatre, graded stepped seating and lavish ornamentation. It incorporates a fabulous permanent stage set (designed for Greek tragedy) by Scamozzi with trompe l’oeil street scenes and classical motifs.

    Over the road from the Teatro Olimpico is Palazzo Chiericati, which today houses the town’s museum ( Museo Civico) and art gallery (closed Mondays, lunchtimes and also Sundays in winter). The collections here are fairly interesting; art lovers should also pay a visit to the Gothic Church of Santa Corona to see works by Giovanni Bellini and Paolo Veronese.

    The Palladio links have inspired an architecture study centre and museum, the Centro Internazionale di Studi di Architettura Andrea Palladio, which houses architecture exhibitions in a palazzo designed by Palladio, Palazzo Barbaran da Porto.

    For views over the area, visitors can walk uphill (or take a bus) to the Santuario di Monte Berico, a church built on the site of two apparitions of the Madonna. A long arcaded walkway climbs up the hill, which is useful on a sunny or a rainy day.

    Vicenza transport

    The most convenient airports for Vicenza are Treviso Airport, Venice Marco Polo and Verona. If you’re arriving from Marco Polo Airport, take a connecting bus to Mestre (the Venice mainland station) where you can pick up the train.

    Vicenza can be reached in 45 minutes from Venice by taking one of the faster and most expensive trains; a cheaper option will take just over an hour. Padua is 20 minutes away by rail. Coming from Treviso, travellers will sometimes have to change at Mestre, although there are also direct ‘stopping’ trains; either way, the journey will take you just over an hour. The rail journey from Verona takes between 25 and 45 minutes, again depending on the category of train. Vicenza and its surrounding area are served by local buses, although you’ll be able to sightsee on foot in the city centre.

    Things to do around Vicenza

    Vicenza is connected by rail to Venice, Padua and Verona for easy daytrips. It’s a good central base for exploring the Veneto region, from Lake Garda in the west to Treviso and Venice in the east – this is particularly easy if you have a hire-car. Rail and bus services do cover the area, though, so you can still manage a lot of exploring using public transport.

    The elegant villas around Vicenza would make the area worth visiting even without the town. Several were designed by Andrea Palladio, but there are plenty of others to be visited. Among the most well-known is the Villa Valmarana ai Nani (‘of the dwarves’), so-called because of its decorative statues. Nearby is Palladio’s famous villa, La Rotonda. Both of these are in the outskirts of Vicenza and can be reached by bus number 8. They can be combined in a walking excursion with Monte Berico – read directions in our Vicenza villas article.

    Further from town you’ll find a good assortment of villas which are open to the public. Pick up maps and check the latest opening times at the tourist information office before you set off, as many have limited visiting hours. Hiring a car will make exploring much easier, but with careful planning – and allowing more time – you can manage some interesting day trips by bus.

    Ordre des pharmaciens du Qu – bec – Acheter des m – dicaments en ligne, medicament en ligne pharmacie.

    #Medicament #en #ligne #pharmacie

    L’achat de m dicaments en ligne : attention!

    Lachat de m dicaments en ligne : connaissez-vous les dangers?

    Pour diverses raisons, certains individus choisissent de se procurer des m dicaments en ligne. LOrdre des pharmaciens d sire vous informer des risques reli s cette pratique, travers diff rents sc narios fr quemment rencontr s.

    Si votre m decin vous prescrit un m dicament pour une p riode de temps pr cise, par exemple trois mois, cest parce quil souhaite effectuer un suivi apr s cette p riode. Poursuivre la prise dun m dicament de votre propre chef, sans avoir obtenu lavis pr alable de votre m decin, pourrait comporter des risques pour votre sant .

    • Provenance inconnue
    • Aucun contr le sur la qualit et la quantit dingr dients actifs
    • Danger de contamination
    • Aucun suivi m dical et pharmaceutique

    Sc nario 2 : Le site Web que je consulte est certifi .

    Certains sites Web pr tendent poss der un certificat dautorisation de certains organismes de r glementation, comme lOrdre des pharmaciens du Qu bec. Sachez que lOrdre des pharmaciens n met jamais de tels certificats.

    Sc nario 3 : Un de mes proches a obtenu un produit sur ce site Web.

    Dabord, il est pratiquement impossible de d terminer la qualit du produit re u par cette personne. Physiquement, deux comprim s peuvent tre identiques sans contenir les m mes ingr dients. Parfois, les effets nocifs de certains m dicaments ne sont ressentis quapr s plusieurs mois ou ann es dutilisation; on ne peut donc se fier lefficacit court terme en se basant sur un seul individu.

    • Provenance inconnue
    • Aucun contr le sur la qualit et la quantit dingr dients actifs
    • Aucun suivi m dical et pharmaceutique

    Sc nario 4 : Jai la conviction de savoir ce dont je souffre.

    Certaines personnes sont convaincues de souffrir dun probl me de sant particulier sans avoir obtenu lavis dun m decin au pr alable; parfois, elles se sentent simplement mal laise de discuter avec leur m decin dun probl me de sant . Sachez que votre m decin nest pas l pour vous juger. Il est le seul pouvoir valuer votre tat afin de vous prescrire un produit efficace. Sans son opinion avis e, vous risquez de suivre un traitement inefficace, ou pire, de retarder la d couverte dune maladie s rieuse.

    • Utiliser un traitement inad quat comporte des risques
    • Plusieurs sympt mes paraissent similaires, mais peuvent tre associ s plusieurs probl mes de sant /maladie
    • Lautodiagnostic sans laide dun professionnel de la sant est risqu

    Renouveler mes ordonnances en ligne, cest possible

    Il ne faut pas confondre le site Web des pharmacies affili es aux diff rentes cha nes et banni res avec ceux qui vendent des m dicaments. Sur les sites des pharmacies affili es aux cha nes et banni res qu b coises de pharmacie, il est possible de renouveler des ordonnances d j actives, ce qui est tout fait acceptable.

    Seguros de Hogar – Comparador Seguros de Hogar, seguros de hogar comparativa.

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    Comparador de Seguros de Hogar

    Seguros de Casa

    Seguro de casa es un comparador de seguros de hogar en el cual le mostramos una comparativa de precios y coberturas de más de 10 compañías, siempre pensando en la relación calidad-precio. Si hace una consulta en nuestro comparador de seguros de hogar, comprobará lo que puede ahorrarse en el seguro de su casa.

    Somos EXPERTOS en Seguros de Hogar, consulte sus dudas con nuestros asesores.

    Trabajamos con las mejores Compañías de Seguros de Hogar

    En segurodecasa.es trabajamos con las mejores aseguradoras de hogar para ofrecerle las máximas coberturas junto con los precios más ajustados del mercado, además disponemos de un Departamento de Siniestros especializado que le ayudará a gestionar cualquier incidencia que tenga.

    Principales coberturas del seguro de hogar

    Nuestra casa, será seguramente una de las mayores inversiones que realicemos en nuestra vida, por lo que es importante realizar un seguro de hogar que nos proteja la vivienda y los bienes que contiene esta.

    Un seguro de hogar es un contrato con una compañía aseguradora mediante el cual nos cubren los daños ocasionados en nuestra casa como resultado de una gran diversidad de riesgos.

    Los bienes que vamos a asegurar dependen de la persona que vaya a realizar este seguro (propietario o inquilino), y de la vivienda que queramos asegurar (piso o casa unifamiliar), diferenciando:


    Este incluye la estructura del hogar, trasteros, garajes, etc.


    Son los bienes que cada persona puede tener en su hogar, como electrodomésticos, joyas, dinero en efectivo, etc.

    Atraco fuera del hogar

    El seguro de hogar nos cubriría un robo fuera del hogar de bienes que formen parte del contenido de la vivienda, que sufra el asegurado, pareja, hijos o familiares de este que convivan con él.

    Traslado del contenido en viajes

    En caso de que el asegurado viaje, el seguro de hogar cubrirá los objetos que viajen con él durante un periodo de tiempo determinado.

    Las compañías cubren tanto los daños ocasionados en nuestra vivienda como los que podemos causar a las viviendas vecinas.

    Los seguros de hogar por lo general suelen cubrir estos riesgos: daños por agua, daños estéticos, gastos que cometemos al producirse un siniestro, daños materiales, robo, responsabilidad civil, defensa jurídica…

    Por lo tanto es muy conveniente contratar un seguro, ya que, nos proporciona la tranquilidad que necesitamos y la seguridad de proteger la vivienda y los bienes de su interior en caso de sufrir algún daño inesperado.

    Compare Cheap Car Insurance Quotes, online insurance car quote.

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    Young driver insurance

    Fight back against expensive young drivers insurance

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    Fancy a driverless car

    Are we ready for the motoring revolution

    What is car insurance fraud

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    Tips to ensure your tyres are up to scratch

    Beat car depreciation

    Selling your car Here s how to get the best price


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    Seguros de Automovil – Calcula 30 aseguradoras en 3 minutos, seguro autos.

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    Seguros de Automovil

    Encuentra el seguro de automуvil mбs econуmico

    Precios y coberturas de 30 aseguradoras en un comparador

    Encuentra el mejor seguro para tu coche

    Para encontrar el mejor precio del mercado en 3 minutos, prueba nuestro comparador de seguros de automoviles. Hemos desarrollado una tecnologнa similar a la de las agencias de viaje online, que nos permite presentar una comparativa de precios y coberturas de las principales 30 aseguradoras del mercado, rellenando un solo formulario. Gratis, rбpido y sin compromiso. Rellenas el formulario, comparas precios y coberturas y sуlo si encuentras un seguro de automovil que te convenza inicias el proceso para contratar tu pуliza.

    Prбcticamente la totalidad de compaснas de seguros del mercado se han incorporado a nuestro sistema, de manera que podrбs comparar desde las compaснas especializadas en ofrecer seguros de coche baratos c omo Linea Directa o Fenix Directo hasta las aseguradoras mбs tradicionales como Pelayo o Axa Seguros (en el lateral derecho puedes ver una lista completa de las aseguradoras que hemos analizado). La clave estб en que como consumidor tengas plena transparencia sobre los seguros de automoviles existentes en el mercado y puedas saber rбpidamente quй opciones te resultan mбs interesantes.

    En todo caso, es importante tener en cuenta que el precio no lo es todo a la hora de contratar un seguro de automovil, ya que en muchas ocasiones, las opciones de seguros mбs baratos logran la reducciуn del precio gracias a la reducciуn del nivel de coberturas de sus pуlizas. Por eso, hemos elaborado en colaboraciуn con un equipo de expertos con una larga trayectoria en el mercado, un sistema de valoraciуn de pуlizas, que refleja de manera clara y sencilla las principales diferencias entre las coberturas de las mъltiples compaснas.

    El resultado de la comparativa serнa similar al pantallazo de la izquierda, donde las estrellas representan el resultado de nuestro sistema de valoraciуn de pуlizas, que resume el anбlisis de los siguientes apartados de cada pуliza:

    Asistencia en viaje: en caso de un problema con el coche, como p.ej. una averнa, la aseguradora ofrece asistencia tanto al vehнculo (reparaciones sencillas, remolque, …) como a los ocupantes del mismo (traslado del asegurado, envнo de un conductor profesional, …). Se puntъa la distancia a partir de la cuбl se presta la asistencia, si incluye vehнculo de sustituciуn en caso de quedar el automovil inmovilizado en el taller y si cubre la pйrdida de llaves, falta de combustible y el pinchazo de un neumбtico.

    Coberturas de Robo: cubre los daсos o la perdida del coche asegurado o partes de йste a consecuencia de una sustracciуn ilegнtima. Se analizan las cantidades por las que indemniza cada pуliza dependiendo de la antigьedad del vehнculo, si el coche estб cubierto en caso de hurto y si estбn incluidos en la cobertura los accesorios no declarados especнficamente en la pуliza.

    Coberturas de Incendio: establecen las indemnizaciones por los daсos que pueda sufrir el vehнculo asegurado como consecuencia de incendio, rayo o explosiуn. Se puntъa segъn las cuбntнas de indemnizaciуn establecidas para cada momento de la vida del coche

    Daсos propios: este apartado cubre los daсos sufridos por el vehнculo asegurado, con independencia del culpable del mismo (p.ej. si el culpable del siniestro es el propietario del coche). El objetivo es comparar los seguros de automoviles en funciуn de las indemnizaciones en caso de siniestro y si quedan cubiertos tambiйn los accesorios no declarados y el equipaje que hubiera en el coche en el momento del siniestro.

    Otros: en este bloque quedan englobadas las coberturas de defensa jurнdica, protecciуn ante la retirada del carnet asн como las indemnizaciones en caso de muerte, invalidez permanente y necesidad de asistencia sanitaria.

    Compara 30 aseguradoras en 3 minutos y ahorra hasta 50% en tu seguro de automуvil

    Compare Quotes Online Life Insurance, Income Protection Australia, Insurance Watch Australia, personal income insurance.

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    Workers Compensation Attorney, colorado workers compensation attorney.

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    Workers Compensation Attorney добавил(-а) 2 новых фото.

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    Workers Compensation Attorney добавил(-а) 2 новых фото.

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

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


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    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.

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    1 Decade of Experience

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

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    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.

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    Don (), mayor de edad, con D.N.I (), vecino de (), con domicilio en calle (), de una parte; y Don (), mayor de edad, con D.N.I. () vecino de (), con domicilio en calle (), de otra, acuerdan celebrar un contrato de PRÉSTAMO , atendiendo a las siguientes:

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    TERCERA. No se deberán intereses por parte del prestatario al prestamista.

    CUARTA. El préstamo finaliza el día() de() de ().

    QUINTA. Si el prestatario no devolviese la cantidad en la fecha estipulada deberá abonar un interés punitorio del ()% mensual, por incurrir en mora, sin que sea preciso previo requerimiento por parte del prestamista.

    SEXTA. Para la resolución de cualquier cuestión que se suscite en la interpretación o aplicación del presente contrato prestamista y prestatario se someten a los Juzgados y Tribunales de () con renuncia al fuero propio.

    Y en prueba de su conformidad, firman las partes el presente contrato de Préstamo.

    En la ciudad de (),a () de () de ().

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    Registered in England and Wales, registered number 5649077, registered address: One Sure Insurance, Spitfire House, 142-154 Congleton Road, Talke, Stoke on Trent, ST7 1LX

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    Ricorso per Cassazione ammissibile se manca un indirizzo condiviso – Altalex

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    Medical Billing and Coding: Browse Online Schools – Courses, online medical billing and coding schools.

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    Browse Online schools for Medical Billing Training Courses Degree Programs

    A career in medical billing and coding is one of the most important jobs in the healthcare industry. As the gatekeepers of information, they must be people-oriented, organized and technologically savvy. Students who are most successful are also very good at memorizing information and following directions exactly.

    Not only is it an incredibly important job, it is a relatively quick way to launch a fresh career for a low cost. The need for highly-trained medical billing and coding specialists is high. This means that you will have a good chance of success upon graduation. This career path can even allow you to work from home, giving you additional income while you raise a family or pursue additional education. read more В»

    What Does a Medical Billing and Coding Specialist Do?

    Medical Billing and Coding are actually two different, but related jobs. Medical coding is the process of applying international codes to any possible treatment, diagnosis, procedure, or condition. These codes help doctors and specialists understand exactly what treatments have been provided and what ailments the patient suffers from. There are approximately 13,000 codes in the current ICD-9 coding system, and a projected 68,000 in ICD-10, according to the American Academy of Orthopaedic Surgeons. This rigorous coding knowledge is vital for healthcare organizations to run smoothly, which is why certified coders are so desperately needed.

    Medical billing is the process of organizing and filing coded documents with insurance companies or governmental insurance bodies like Medicare and Medicaid. In order for a medical biller to be effective, they need to have a good working knowledge of the medical coding system. In addition, they need to have excellent interpersonal skills, as they deal with patients and insurance representatives on a regular basis. Math skills are also highly desirable, as they are predominantly interested in invoicing and managing payments. They need to have an ability to memorize data, especially as it relates to insurance companies and their general coverages.

    What are the working conditions of a Specialist?

    Specialists in these fields work in both large and small healthcare organizations. They are mostly concerned with the day-to-day business applications of these organizations, however, and are not involved in administering health care to patients. General duties include hours of sitting, standing and talking on the phone. Most of the time, billers and coders work in office buildings on typical 9-5 shifts, although some employers allow them to work remotely in quiet home offices.

    What is the typical pay and career outlook?

    According to the U.S. Bureau of Labor Statistics (BLS), the median wage for medical records and health information specialists in 2012 was $34,160. While the lowest 10% earned around than $22,000, the highest 10% earned more than $56,000. Although it is possible to get a medical billing or coding job without certification, the highest-paying jobs usually require an associates degree or certificate in these fields. Medical billing and coding online courses that prepare students for certification with organizations like the American Academy of Professional Coders (AAPC) or the American Medical Billing Association (AMBA) are the best choices for having a long-lasting billing or coding career.

    As more and more hospitals and doctors’ offices employ work-from-home coders and billers, these careers have become much more attractive to full-time parents and professionals with other career responsibilities. In addition, the large baby-boomer generation will be aging rapidly over the next decade. Because of these factors, medical billing and coding careers are projected to grow 22% over the next 10 years. This is much faster than the projected average for all occupations. Job prospects will be best for those students that pursue a certification in Registered Health Information Technician (RHIT) certification or as a Certified Tumor Registrar (CTR).

    Why should I choose Online Schools?

    Getting a certification online is often the only way that busy professionals can break into this new career. Accredited online schools must pass the same rigorous standards that on-campus billing and coding programs have, and are often more intensive due to their distance learning platform. At the same time, courses can be completed on the student’s timeline, allowing them to focus their attention on their current job or family responsibilities. Another benefit of working through an online school is that there are accelerated options available that may allow early graduation from certificate programs.

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    Life Insurance is underwritten by New York Life Insurance Company (NAIC #66915), New York, NY 10010. Specific products, features, and gifts not available in all states or countries. New York Life Insurance Company is licensed in all 50 states. (Policy forms ICC15-ITL2, ITL2, ITL2-CA, ITL2-CT, ITL2-FL, ITL2-ND, ITL2-NY, IWL1, ICC12-IWL1, IWL1-CA, IWL1-FL, IWL1-MT, IWL1-ND, IWL1-NY, IGAL1 ICC11-IGAL1, IGAL1-AR, IGAL1-CA, IGAL1-FL, IGAL1-ND, IGAL1-NY, IGAL1-SD). Purchasing additional term coverage in the future may be more expensive; consider the coverage amount you select carefully. Federal law requires us to obtain, verify and record information that allow us to identify you. When you apply, we will ask you for your name, address, date of birth, Social Security number and other information. Agent-sold life insurance products are also available which could have lower rates but require more health information, and in some cases a health exam, at the time of application. For more information call New York Life at 1-800-361-1741.

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    AnnuitätendarlehenDer Grunderwerbsteuerrechner dient zur Bestimmung der Grunderwerbsteuer (GrESt) beim Kauf eines bebauten oder unbebauten GrundstГјcks in Deutschland. In AbhГ¤ngigkeit vom Kaufpreis des Objekts sowie vom Bundesland werden der fГ¤llige Steuersatz und die zu zahlende Steuer berechnet. Zum Grunderwerbsteuerrechner


    AnnuitätendarlehenSowohl Zinsen fГјr einen Dispositionskredit, als auch Zinsen fГјr die geduldete KontoГјberziehung lassen sich mit dem Dispositionskreditrechner einfach berechnen. Beide Arten der Гњberziehung kГ¶nnen innerhalb einer Rechnung berГјcksichtigt werden und es wird ein Durchschnittszinssatz ermittelt. Zum Dispokreditrechner

    Ratgeber: Autofinanzierung

    Welche Autofinanzierung ist die Richtige und wie unterscheiden sich die unterschiedlichen Finanzierungsmodelle? Die wichtigsten Finanzierungen wie Autokredit, Ballonfinanzierung oder Leasing werden vorgestellt und mit Beispielrechnungen ausführlich erläutert. Zum Ratgeber-Artikel Autofinanzierung.

    Ratgeber: Effektiver Jahreszins

    Effektiver Jahreszins und Sollzins: Was bedeuten eigentlich die beiden Kennzahlen, wo genau liegt der Unterschied und was sollten Kreditnehmer bei der Beurteilung eines Kreditangebots beachten? Zum Ratgeber-Artikel Effektiver Jahreszins.

    Ratgeber: Gemischte Verzinsung

    Die Zinsen von Spareinlagen wie Tagesgeld, Festgeld oder Sparbuch werden in Deutschland üblicherweise mit der Methode der gemischten Verzinsung berechnet. Doch was bedeutet dies konkret? Erklärung der gemischten Verzinsung anhand eines Beispiels mit Formel zur Berechnung. Zum Artikel Gemischte Verzinsung.

    Ratgeber: Annuitätendarlehen

    Kredite an private Verbraucher, ob Ratenkredit oder Immobilienfinanzierung, werden heute überwiegend als Annuitätendarlehen ausgezahlt: Welches sind die Besonderheiten dieser Form von Darlehen, worauf müssen Kreditnehmer achten und wie erfolgt die Berechnung? Zum Artikel Annuitätendarlehen.

    Ratgeber: Sollzinsen

    Die Sollzinsen sind eine wichtige Größe bei den unterschiedlichen Kreditvarianten und beeinflussen die Gesamtkosten eines Darlehens. Doch was genau sind Sollzinsen, wie unterscheiden sich gebundene und veränderliche Zinsen und welche Bedeutung haben sie für Ratenkredit, Immobilienfinanzierung und Girokonto? Zum Artikel Sollzinsen.

    Ratgeber: Zinsmethoden

    Neben Zinssatz und Zinsperiode spielt auch die Zinsmethode bei der Berechnung von Zinserträgen eine Rolle: Was bedeutet die Zinsmethode für Verbraucher, welche Methoden kommen zur Anwendung und wie werden die Zinstage nach den unterschiedlichen Verfahren berechnet? Zum Artikel Zinsmethoden.

    Mehr Ratgeber und Artikel.

    Alle verfГјgbaren Ratgeber-Artikel in der Гњbersicht. Zur Rubrik Finanzen Ratgeber

    Bildnachweis Rechner : paerb – finanzen-rechner.net

    Гњber uns

    Neutrale Rechentools und mathematische Grundlagen: Erfahren Sie mehr Гјber uns und unsere Zielsetzung. Гњber uns


    Typische Anwendungen der vorgestellten Finanzrechner, ausführlich erläutert: Kredit: Monatsrate berechnen, Zinsen: Laufzeit berechnen


    Totalschaden und Restwert nach Unfall, auto restwert.

    #Auto #restwert

    Wirtschaftlicher Totalschaden

    • Zuletzt aktualisiert: 26. Juli 2016
    • Von: Dr. Britta Beate Schön
    • Bei einem technischen Totalschaden lässt sich das Auto nicht mehr reparieren. Der Restwert ist Null.
    • Bei einem wirtschaftlichen Totalschaden kann der Wagen noch fahrtüchtig sein; die Reparatur lohnt sich aber rechnerisch nicht mehr, weil der Wert des Autos deutlich geringer ist als die geschätzten Reparaturkosten.
    • Die Versicherung rechnet dann in der Regel auf Totalschadenbasis ab: Sie ersetzt den Wiederbeschaffungswert abzüglich Restwert.
    • Es gibt eine Ausnahme: Der Versicherungsnehmer lässt die Reparatur tatsächlich fachgerecht durchführen. Ihre Kosten dürfen aber den Wiederbeschaffungswert um höchstens 30 Prozent übersteigen. Dann zahlt die Versicherung die Reparaturkosten. Das Unfallopfer muss den Wagen allerdings noch weitere sechs Monate fahren.

    Unser Tipp: Bleiben Sie zu Rechtsthemen immer auf dem Laufenden – mit unserem kostenlosen Newsletter!

    Sie bremsen an der Ampel, und ein unaufmerksamer Fahrer kracht in Ihr Auto. Ihnen ist zum Glück nichts passiert, aber das Auto sieht nicht gut aus. Das Urteil Ihrer Kfz-Werkstatt fällt vernichtend aus: Totalschaden. Und jetzt? Was zahlt die gegnerische Kfz-Versicherung? Und müssen Sie sich einen neuen Wagen kaufen?

    Totalschaden ist nicht gleich Totalschaden. Ein technischer Totalschaden liegt vor, wenn eine Reparatur nicht mehr möglich ist. Der vom Sachverständigen festgesetzte Restwert beträgt 0 Euro.

    Bei einem wirtschaftlichen Totalschaden kann der Wagen durchaus noch fahrtüchtig sein. Die Reparatur lohnt sich aber rein ökonomisch gesprochen nicht mehr, weil der Wert des Autos nicht mehr im Verhältnis zu den Reparaturkosten steht. Sie müssen aber nicht zwangsläufig ein neues Auto oder einen Gebrauchtwagen kaufen.

    Ist die Schuldfrage nicht eindeutig geklärt, müssen Sie sich mit der Versicherung darüber streiten, ob sie überhaupt zahlt. Wer in diesen Fällen eine Rechtsschutzversicherung hat, muss zumindest keine Anwalts- und Gerichtskosten befürchten. Einige Versicherer bieten auch eine reine Verkehrsrechtsschutzversicherung an, die um einiges günstiger ist als ein umfassender Rechtsschutz.

    Was die gegnerische Kfz-Versicherung bei einem Totalschaden zahlt, hängt von den Reparaturkosten, dem Wiederbeschaffungswert und dem Restwert ab.

    Wiederbeschaffungswert und Restwert

    Um einen wirtschaftlichen Totalschaden feststellen zu können, müssen Sie schätzen lassen, was das Auto noch wert ist und wie teuer es wäre, ein entsprechendes Fahrzeug neu zu beschaffen.

    Wiederbeschaffungswert – Das ist der Betrag, den Sie aufwenden müssen, um sich ein Fahrzeug von dem Wert zu kaufen, den Ihr altes Auto zum Unfallzeitpunkt hatte. Das ist ein erheblich höherer Betrag als der, den man für das gleiche Fahrzeug beim Verkauf erzielen würde. Denn es kommen noch der Gewinn des Zwischenhändlers und dessen Aufwendungen dazu.

    Der Wiederbeschaffungswert ist nach örtlichen Gegebenheiten zu ermitteln. Es reicht nicht, ihn einfach nur aus der sogenannten Schwacke-Liste zu entnehmen; häufig bietet sie aber eine erste Orientierung.

    Restwert – Dabei handelt es sich um den Wert des Fahrzeugs nach einem Autounfall, den es im nicht reparierten Zustand besitzt. Zu diesem Betrag können Sie es noch verkaufen. Den Restwert ermittelt in der Regel ein Sachverständiger durch Schätzung. Im Haftpflichtschadensfall, also wenn Ihnen ein Schaden zugefügt wurde, können Sie den Sachverständigen frei wählen und selbst beauftragen.

    Wegen des Restwerts kann es immer mal wieder Streit geben. Denn je höher er ausfällt, desto billiger wird es für die Versicherung. Dabei reicht es in der Regel, dass der Sachverständige als Schätzgrundlage drei Angebote einholt, lautete die Empfehlung des 40. Deutschen Verkehrsgerichtstags (BGH, Urteil vom 13. Oktober 2009, Az. VI ZR 318/08).

    Unser Tipp: Bleiben Sie zu Rechtsthemen immer auf dem Laufenden – mit unserem kostenlosen Newsletter!

    Weitere Tipps im Ratgeber Kfz-Versicherung

    Auto restwert

    II❶II Kredit von Privat an Privat online, kredit aus dem ausland.#Kredit #aus #dem #ausland

    Kredit von Privat

    Ein Kredit von Privatanleger wird, im Gegensatz zu einem sogenannten Privatkredit, nicht von den Banken vermittelt, sondern von privaten Finanzier und Geldanlegern. Oft auch als P2P-Kredit bezeichnet (Peer-to-Peer Kredite).

    Diese Geldgeber und Anleger sind auf der Suche nach guten Möglichkeiten, ihr Geld zu investieren und eine Rendite zu erzielen.

    Die Vergabe eines Kredits von Privat ist für diese Geldanleger somit eine gute Gelegenheit.

    Das Kreditangebot von Privatinvestoren ist nicht zu verwechseln mit dem Privatkredit. Dieser wird vermittelt von Geldinstituten und Banken und wird so bezeichnet, weil er an Privatleute erteilt wird, und nicht an Geschäftsleute.

    Welche Anbieter gibt es?

    Kredit aus dem ausland


    Bei auxmoney handelt es sich nicht um einen Kreditgeber oder auch Kreditvermittler, sondern um ein Online-Portal welches es ermöglicht, Kredite von Privat zu erhalten und sich somit kurzfristig Geld zu leihen.

    Kredit aus dem ausland


    Unser Tipp: Kredit von Privat an Privat

    Es ist der allererste Kreditmarktplatz, den es im Internet gibt. Das Ziel vom Unternehmen ist es, ein möglichst vielfältiges Kredit-Angebot bereitzustellen.

    Kredit aus dem ausland


    Bon-Kredit bei negativer SCHUFA

    Bei der Bon-Kredit.de handelt es sich um ein Schweizer Unternehmen der Master Media Group AG mit Sitz am Brüelweg 1 in CH-8280 Kreuzlingen.

    Kredit aus dem ausland


    Lendico Kredit von Privat an Privat

    Die Lendico Deutschland GmbH ist ein noch sehr junges, aber bereits sehr erfolgreiches Unternehmen, das auf seiner Plattform die Vermittlung von Krediten von Privat anbietet. direkt zum Lendico Antrag

    Wofür eignen sich Kredite von Privatanbietern

    Wie vom Onlinekredit profitieren

    • Negatives Konto ausgleichen
    • Ablösung von anderen Krediten
    • Anschaffung einer Immobilie
    • Traumurlaub erleben
    • Neues Auto kaufen Autofinanzierung
    • Umschuldung
    • Möbel-Finanzierung Wohnung Neu einrichten
    • Ferseher High-End Sound-Anlagen kaufen

    Wie kann man einen solches Darlehen von privaten Geldgebern nutzen?

    Die Kreditsumme von Privatanlegern kann man nicht einfach bei einer Bank oder anderen Institution erzielen. Zunächst einmal gilt es, passende Anleger zu finden. Dafür gibt es inzwischen einige spezielle Online-Plattformen im Web, die den Geldsuchenden zusammenbringen mit den privaten oder gewerblichen Geldgebern. Momentan stehen die hier beschriebenen zwei großen Plattformen aus Deutschland zur Verfügung (Auxmoney und Smava).

    Wie sieht es dabei mit Bonität und Schufa aus?

    Auf den beiden zur Zeit größten Plattformen für Kredite von Privat wird die Frage der Boni unterschiedlich gehandhabt. Während bei smava.de die Liquiditätsprüfung durch die Abfrage der Schufa unabdingbar ist, gibt es bei auxmoney durchaus Möglichkeiten, auch ohne Schufa einen Kreditbetrag zu erhalten. Selbstverständlich muss in einem solchen Fall sichergestellt sein, dass der Kreditgeber sein Geld auch wieder zurückbekommt. Dies kann erfolgen durch ein sicheres Einkommensnachweis, oder auch durch andere Sicherheiten, die der Kreditnehmer dem Geldgeber anbieten kann.

    Wie hoch ist der Zinssatz?

    Das ist recht unterschiedlich, bei auxmoney ist es beispielsweise so, dass man als Kreditnehmer sein Gesuch eingibt, dabei kann man auch selbst festlegen, wie hoch der Sollzins sein soll, den man bereit ist, für den Leihkredit zu zahlen. Es empfiehlt sich immer, einen angemessenen Sollzinssatz zu nehmen, der dem Gesuch entspricht. So werden die potentiellen Anleger eher aufmerksam und können feststellen, wie ernst es dem Geldsuchenden mit seiner Anfrage ist. Bei Smava erhält man ein entsprechendes Angebot, hier richten sich die Zinsen nach Laufzeit und Kredithöhe der jeweiligen Anfrage.

    Wie hoch sind die Bearbeitungsgebühren?

    Auch die Gebühren variieren je nach Plattform. Während bei auxmoney schon das Einstellen des Gesuches pauschal 9,95 Euro kostet, ist die Nutzung der Plattform smava kostenlos. Hier fallen dann erst bei erfolgreichem Abschluss Vermittlungsgebühren an, die sich nach der Laufzeit des Kredits richten. Auch auxmoney erhebt bei Erfolg Vermittlungsgebühren. Alle Bearbeitungsgebühren können detailliert bei den jeweiligen Anbietern eingesehen werden.

    Kann ich einen Credit auch vorzeitig tilgen?

    Beim Anbieter smava ist es problemlos möglich, einen Kreditbetrag ohne zusätzlich anfallende Kosten auch vorzeitig zu tilgen. Nachdem der Vertrag gekündigt wurde, erhält der Kreditnehmer eine E-Mail, in der der Restbetrag des genutzten Kredits inkl. Zinsen genannt wird. Dieser ausgewiesene Betrag muss dann innerhalb von 14 Tagen überwiesen werden. Diese eindeutige Regelung gibt es bei auxmoney nicht zu finden, wobei eine vorzeitige Rückzahlung nicht ausgeschlossen wird seitens des Portals.

    Was sind die Voraussetzungen und Rahmenbedingungen für die Kreditrealisierung von Privat?

    Die Voraussetzungen sind bei den Portalen deckend, ein Mindestalter von 18 Jahren ist eine Grundvoraussetzung. Zudem muss der Kunde sowohl über einen Wohnsitz in Deutschland verfügen, als auch über ein Girokonto bei einer Bank in Deutschland. Abweichend sind die Altersgrenzen nach oben. Auxmoney gibt hier vor, dass der Kreditnehmer nicht älter sein darf als siebzig Jahre, bei smava findet sich keine Angabe dazu. Bei beiden Anbietern sollten keinerlei negative Merkmale vorhanden sein. Bei der Plattform smava ist der Mindestverdienst mit 1.000€ monatlich angegeben und es werden nur Kreditnehmer akzeptiert, die eine Bonitätsklasse der Schufa aufweisen von A bis hin zu H. Eine weitere Grundvoraussetzung ist ein regelmäßiges monatliches Einkommen, das nachgewiesen werden muss.

    Erhalten auch Selbstständige oder Freiberufler einen Kredit?

    Bei beiden Portalen ist dies grundsätzlich möglich. Da hier natürlich das regelmäßige monatliche Einkommen als Absicherung entfällt, werden andere Sicherheiten benötigt. Welche das sind oder sein können, hängt sowohl von der Plattform als auch von dem Finanzier ab.

    Welche Kreditsumme kann man nutzen?

    Ein Betrag von 1.000 Euro wird von beiden Portalen festgelegt als Mindestkreditsumme. Unterschiedlich behandelt wird die Höchstgrenze, bei auxmoney können bis 20.000 Euro beantragt werden, bei smava ist es einiges mehr, hier liegt die Höchstgrenze bei 75.000 Euro.

    Welche Kreditlaufzeiten werden angeboten?

    Auch dies ist unterschiedlich, bei smava stehen viele Varianten zur Auswahl zwischen 12 Monaten bis hin zu 120 Monaten. Bei auxmoney stehen wegen der geringeren Höchstsumme Laufzeiten von 12 Monaten bis hin zu 60 Monaten zur Verfügung.

    Sind auch Banken im Spiel?

    In Deutschland ist es so, dass Kreditvermittler dazu verpflichtet sind, zusammenarbeiten zu müssen mit einer Bank. Daher geschieht die Abwicklung des Krediterhalts über die Privatpersonas bei beiden Anbietern über eine Bank, die das Geld auszahlt, und von der auch die fälligen Raten für den Sofortkredit wieder eingezogen werden. Diese Kreditinstitute arbeiten lediglich im Hintergrund, haben also keinen Einfluss auf die Kreditvergabe selbst, dies ist immer die Entscheidung der Geldgeber.

    Car Donations, Vehicle Donation Program, Red Cross, auto donation.#[replace: – #-Auto donation]

    Donate a Vehicle

    Don’t park it. Donate it.

    1 Easy Step

    Please complete the form below with information regarding the vehicle you would like to donate. Our partners will contact you by phone within 24 hours to help finalize your donation. If you prefer, you may contact us directly at 1-855-92 RC CAR (855-927-2227). Thank you for your support of the American Red Cross.

    About the Program

    Making a Donation is Easy
    What We Accept
    Your Donation Helps

    Your vehicle donation to the American Red Cross Vehicle Donation Program enables the Red Cross to prevent and alleviate human suffering in the face of emergencies.

    Donating your vehicle is another great way to help us help others.

    Frequently Asked Questions

    Tax Benefits

    Hear what our vehicle donors have to say

    When Irene and Dennis Moore reach the end of the road with their cars and decide to replace them, the couple doesn’t trade them in; they roll them over to the American Red Cross.

    “It’s an easy way to donate,” Irene said. “I appreciate the work the Red Cross does for so many people. It’s such a worthy cause.”

    You could say the Moores have good karma with the Red Cross.

    Over the past several years, Irene and Dennis have donated a total of four family cars – two minivans, an SUV and even a Cadillac. Irene is currently driving a 2012 Subaru and when that vehicle is ready for turnover, she’ll call the Red Cross again to come get it.

    In return, supporters like the Moores, who donate a car to the Red Cross Vehicle Donation Program, receive a tax credit and don’t have to hassle with trade-ins at used lots or run classified ads to find a buyer. Instead, donors have the satisfaction of knowing proceeds from the sale of their vehicles are supporting the work of the Red Cross.

    The couple became supporters of the Red Cross after their daughter needed a blood transfusion as an infant. Irene, a retired Northwestern University microbiologist from Evanston, thinks donating the cars sets a nice example for her teenaged children not to become attached to material things when they can be used to help someone in need.

    The vehicle donation program has been an option to vehicle owners in the Moores’ home state of Illinois for many years. The program opened in 2013 to drivers in all 50 states through a partnership with the Donation Division of Insurance Auto Auctions (IAA).

    Vehicles of all types are accepted including cars, trucks, motorcycles, RVs, snowmobiles, jet skis, tractors and more. Really, almost anything with a motor– in almost any condition. The Red Cross even accepts vehicles that don’t work.

    “The vehicle is hauled away at no cost to the donor and then sold by the IAA’s Donation Division with the proceeds going to the Red Cross, where an average of 91 cents of every dollar the Red Cross spends is invested in humanitarian services and programs,” said LaKeva Lucas, Vehicle Donation Program, Operations Manager. “People may think their old vehicle is worthless but the donation could be priceless to someone in need of Red Cross services.”

    #tags#[replace: -,-Auto donation]#tags#