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

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Car Insurance in Texas

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

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

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

Other Car Insurance

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

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

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

Car Insurance Alternatives

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

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

Proof of Insurance in Texas

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

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

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

TexasSure

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

Among the agencies that use TexasSure are:

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

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

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

Violation Fines and Penalties

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

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

Texas Automobile Insurance Plan Association

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

To be eligible for the TAIPA program, you must:

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

TAIPA Coverage

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

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

Payments

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

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

Leaving TAIPA

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

Help With Your Car Insurance Complaints

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

The most common complaints TDI helps resolve involve:

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

TDI cannot assist you with the following:

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

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

Driving While Intoxicated (DWI)

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

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

Drug and Alcohol Driving Awareness Discount

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

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

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

Most Stolen Cars in Texas

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

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

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

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

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

Your ad here was suppressed by

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

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

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

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

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

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

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

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

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

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

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

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

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

Your ad here was suppressed by

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

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

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

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

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


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Elite Model Look, le date dei casting in Italia

Al via i casting 2018 di Elite Model Look che come sempre individua giovani talenti che potranno diventare i volti della moda di domani. I casting che si terranno anche…

di Fabiana – 19 aprile 2018

Camst assume personale, le posizioni aperte per la ristorazione

Se state cercando un lavoro nel settore della ristorazione, arrivano le nuove opportunità professionali di Camst, azienda leader che da più di 70 anni opera a 360° nel settore che sta cercando…

di Fabiana – 18 aprile 2018

Nikki Beach assume personale per la stagione estiva, come candidarsi

Il Nikki Beach di Marina di Pietrasanta in provincia di Lucca sta selezionando personale che possa essere assunto nel corso della stagione estiva 2018. Il club balneare extra lusso della…

di Fabiana – 17 aprile 2018

Emirates assume, recruiting day per la selezione di personale di bordo

Dopo Ryanair, anche la compagnia di volo Emirates con base a Dubai sta selezionando nuovo personale di volo attraverso un open day che si svolgerà a Roma il prossimo sabato…

di Fabiana – 16 aprile 2018

Mc Donald’s, il recruiting day a Firenze

McDonald’s torna ad assumere: l’azienda americana sta per aprire un nuovo punto vendita nella città di Firenze e sta selezionando 35 diverse figure da inserire all’interno della struttura. In questa…

di Fabiana – 12 aprile 2018

Ryanair, i Cabin Crew Days di aprile-maggio 2018

Ryanair, la compagnia irlandese di volo low cost, sta incrementando il proprio personale e sta selezionando personale assistente di volo per la compagnia. Come sempre le modalità di selezione sono…

di Fabiana – 11 aprile 2018

ANAC assume, il concorso per 35 amministrativi

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di Fabiana – 10 aprile 2018

Domino’s Pizza, selezioni per 100 risorse a Milano

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di Fabiana – 9 aprile 2018

Banca Popolare di Bari: ora ci sono le conferme, abbandonato il progetto holding

La Banca Popolare di Bari sembra proprio che abbia salutato definitivamente il progetto holding. L’istituto pugliese è pronto alla convocazione dell’assemblea straordinaria, avendo bene in mente l’apertura del capitale. E…

di GianniPug – 7 aprile 2018

Ferrovie dello Stato cerca capi stazione in tutta Italia

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di Fabiana – 6 aprile 2018

Ristoranti Wagamama, il recruiting day per 50 profili

Nuove opportunità professionali nel settore della gastronomia: la catena di ristoranti Wagamama, specializzata in cucina asiatica, sta per aprire un nuovo ristorante a Milano, in via San Pietro all’Orto, che…

di Fabiana – 6 aprile 2018

ENAC assume ispettori aeroportuali, come candidarsi

L’ENAC, Ente Nazionale per l’Aviazione Civile, ha aperto le selezioni per l’assunzione di 37 Ispettori aeroportuali che saranno inserito come personale dell’ENAC, area operativa – categoria C, posizione economica C1. Gli…

di Fabiana – 4 aprile 2018

Personale alberghiero, il Recruiting Day a Milano

Se siete interessati a lavorare nel settore alberghiero, sta per arrivare un’interessante opportunità professionale: Articolo 1, Soluzioni HR, società italiana di servizi dedicati alle Risorse Umane presente su tutto il…


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Life Insurance Protection, Savings, Retirement Plans – Kotak Life Insurance, buy term life insurance online.

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Online Plans

You may aim to make the most of your earning years and invest your money thoughtfully, or you may wish to continue your lifestyle even after you have retired. Or you may want your family to be protected and provided for even in your absence. For all these requirements, we have created online plans that are easy to invest in and provide flexibility for your different needs.

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OR Mail to [email protected]

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BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS.

IRDAI clarifies to public that:

• IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premium

• IRDAI does not announce any bonus.

• Public receiving such phone calls are requested to lodge a police complaint along with details of phone call number.

Beware of spurious emails with ficticious/fraudlulent offers. Persons receiving such emails mentioning Kotak Life are requested to highlight the same immediately to [email protected] with “Spurious Email” in the subject line.

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Ltd. (formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.) under license.

Kotak Mahindra Life Insurance Company Ltd. (formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.) ,

Regd. Office: 2nd Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai – 400 051. Website: www.insurance.kotak.com I Email:[email protected] I Toll Free No.: 1800 209 8800.

© 2018 Kotak Mahindra Group. All rights reserved.


Plumbing boilers

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Electric Boilers

Our radiant electric boilers along with a radiant tubing system, have become one of the most popular heating systems for residential applications. These systems offer the comfort of radiant heat and the cost savings and safety offered by using our electric boilers.

In most commercial applications installations can involve one or more of our boilers depending upon zoning and Btu/h heating requirements. With boilers ranging from 1 kW to 300 kW (3,400-1,023,900 Btu/h) we can meet most commercial applications.

Our electric boilers have been considered Standard of the Industry for the past 20+ years. Whether your application is for radiant tubing, hot-water baseboard, dual heat or multiple applications; our Electro Boiler line can meet your hydronic heating needs.

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Mini-Boiler Radiant

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  • Mini-Boiler WarmFlo

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    Electro-Boiler Midsize Series WarmFlo MX

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  • Cheapest cars to insure 2016, what is the cheapest insurance company.

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    Cheapest cars to insure 2016/2017

    What is the cheapest insurance company

    Looking to cut your car insurance costs? The best way is to look into one of these – the cheapest cars to insure in the UK

    Car running costs don’t stop at buying and fuelling it. One of the biggest costs that drivers particularly face, especially young people, is insurance. Finding the cheapest car to insure can really help keep your bills down.

    Insurance costs are based on a number of factors. As any 17-year-old trying to insure their first car will know, it’s not necessarily about the value of the vehicle – though this does change the cost, it’s not uncommon for one years premiums to exceed the value of the car.

    The easiest way to figure out which cars will be the cheapest to insure is to look at the group rating. The lower the number, the better – insurance groups start at 1 and go all the way up to 50. Ever car in this list is rated group 1 or 2.

    It’s not just about picking a car and going back to your usual insurer, though – shop around before you buy a new car and see which is cheapest for you. For some people one of these cars might be cheaper than another, and it could be different for someone else – the only thing we can be sure of is that cars with a low insurance group number will generally be cheaper than those without.

    Comparison websites are useful for getting quotes, but do remember that some companies do not advertise on these sites – and you may get a better deal by phoning them, even after getting an online quote.

    Check out our list of the best first cars to see our favourites for young drivers, but if insurance cost is your biggest hurdle to car ownership then make sure you check out the list below. It doubles as a list of solid, affordable first-car choices as well.

    Cheapest cars to insure 2016

    Click the tabs on the top left of this page or the links below for full details on the cheapest cars to insure in the UK at the moment.

    All of the models listed in alphabetical order above fall into insurance groups 1 or 2 but if none of them appeal, just keep reading.

    What is the cheapest insurance company

    Cheapest cars to insure continued…

    Below is our list of the cars with low insurance costs that didn’t quite make it into our main run-down of insurance group 1 and 2 cars. These cars have models in their range that fall into insurance group 3 or 4, but will still help keep your insurance premiums in check.

    • MG 3 – lowest ins. group: 4

    First Cars on Auto Express.

    What is the cheapest insurance company

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    For all the latest car news, features, tips and advice, follow Auto Express on Twitter and like us on Facebook.

    Read more of our best car recommendations.


    Grant program boosts workforce training at Va, colleges in va.

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    Latest Headlines

    Disturbance at Kansas prison draws multiple agencies

    NORTON, Kan. (AP) — The Kansas Department of Corrections has confirmed that an inmate disturbance occurred at a state prison in western Kans

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    JAKARTA, Indonesia (AP) — A rights group is calling on the Indonesian government to immediately investigate a raid by police and village lea

    AP Top U.S. News at 12:31 a.m. EDT

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    Grant program boosts workforce training at Va. community colleges

    MIDLOTHIAN, Va. (WRIC) Right now, tens of thousands of jobs are left unfilled in Virginia. It s not because no one wants them. It s because people aren t trained to do them.

    On Monday, Gov. Terry McAuliffe (D-Virginia) highlighted a program that s helping many people get employed without getting in debt.

    It s called the Workforce Credential Grant Program. It was created by the General Assembly last year.

    Colleges in vaIt cuts students costs for certain programs by two-thirds so more people can get trained for high-demand careers that require specialized training.

    Our problem in Virginia is not jobs. Our problem in Virginia is we have too many high-paying jobs that are going unfilled, said McAuliffe. They re going unfilled because we haven t matched the skills with the people who are graduating.

    Colleges in va Gov. McAuliffe tries his hand at virtual welding

    McAuliffe said the program was developed to help businesses find qualified workers while empowering more Virginians to obtain high-paying jobs. Some of them only require weeks or months of training, rather than semesters or years like a traditional college education.

    In the last year, Virginia community colleges provided workforce training to 4,268 people who secured credentials, certifications and licenses. That s nearly triple the number seen the previous year. More than half of them took advantage of the new grants. The remaining were funding by employers, federal grants or other private sources.

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    Kouri Tweedy is one of the new graduates.

    She was working two part-time jobs and was looking for something more sustainable.

    I knew I needed to jump into a career, she said.

    So she enrolled in workforce training opportunities at Central Virginia Community College in Lynchburg. She trained for three health care credentials Certified Clinical Medical Assistant, EKG Technician and Phlebotomy Technician.

    Colleges in vaShe completed the program in less than four months and was offered a full-time job before graduating.

    Her total cost? Just $71, thanks to the new grant and other financial aid.

    Honestly I was in disbelief, she said. It opened doors for me to see there s well enough opportunity out there for anyone.

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    Nate Humphrey enrolled in the power line worker program at Southside Virginia Community College.

    The retired U.S. Army Ranger served seven combat deployments in Afghanistan and Iraq. When he came home, he was looking for that same camaraderie.

    When I retired, I missed it, he said. And I found it being a lineman.

    Days after completing the program, he locked down a job at Southside Electric Cooperative.

    I think the course was just at $11,000, but with the grant, I didn t pay anything, he said. The only thing I paid for was my boots and my belt.

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    The Workforce Credential Grant Program is now in its second year. Right now, grants are available to support 146 training courses offered at 23 community colleges in the commonwealth.

    To learn more about the program, click HERE.

    To see the list of community colleges, jobs and programs, click HERE.

    This is a developing story. Stay with 8News online and on air for the latest updates.


    Texas Adoption Requirements

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    Adoption and Foster Care

    Thank you for your interest in becoming a foster or adoptive family in Texas. You have three ways to begin the process to become a foster or adoptive parent. The first two include working with the Texas Department of Family and Protective Services (DFPS). Your third option is working with a private adoption agency who contracts with DFPS.

    Adoption

    To complete an online interst form,click on the Texas area you live in (see map).

    Basic Requirements

    The prospective foster/adoptive parents may be single or married and must:

    • be at least 21 years of age, financially stable, and responsible mature adults,
    • complete an application (staff will assist you, if you prefer),
    • share information regarding their background and lifestyle,
    • provide relative and non-relative references,
    • show proof of marriage and/or divorce (if applicable),
    • agree to a home study which includes visits with all household members,
    • allow staff to complete a criminal history background check and an abuse/neglect check on all adults in the household, and
    • attend free training to learn about issues of abused and neglected children.

    The training provides an opportunity for the family and DFPS to assess whether foster care or adoption is best for the family. The family may withdraw from the meetings at any time. There is no charge for the meetings. Foster/adoptive parents generally train together.

    Additional Foster Care Requirements

    In addition to the basic requirements, foster parents must:

    • have adequate sleeping space.
    • allow no more than 6 children in the home including your own children or children for whom you provide day care.
    • agree to a nonphysical discipline policy.
    • permit fire, health and safety inspections of the home.
    • vaccinate all pets.
    • obtain and maintain CPR/First Aid Certification.
    • obtain TB testing as required by the local Health Department for household members.
    • attend 20 hours or more of training each year.

    Responsibilities of Foster and Adoptive Families

    • provide daily care and nurturing of children in foster care;
    • advocate for children in their schools and communities;
    • inform the children’s caseworkers about adjustments to the home, school, and community, as well as any problems that may arise, including any serious illnesses, accidents, or serious occurrences involving the foster children or their own families;
    • make efforts as team members with children’s caseworkers towards reunifying children with their birth families;
    • provide a positive role model to birth families and
    • help children learn life skills.
    • provide permanent homes and a lifelong commitment to children into adulthood;
    • provide for the short-term and long-term needs of children;
    • provide for children’s emotional, mental, physical, social, educational, and cultural needs, according to each child’s developmental age and growth;
    • may become certified as a foster family and accept children who are not legally free for adoption, but whose permanency plan is adoption.

    Can foster families adopt?

    Yes! Many families are interested in both fostering and adopting. They agree with the agency that the children’s needs come first. In most cases, this means helping prepare children for reunification with their birth family, mentoring the birth parents, or working toward a relative or kinship placement.

    When termination of parental rights is in the children’s best interest and adoption is their plan, then foster parents who have cared for the children will be given the opportunity to adopt. Dual certification of parents to both foster and adopt speeds up the placement process, reduces the number of moves a child makes, and allows relationships to evolve with the initial placement process. Nearly half the adoptions of children in DFPS foster care are by their foster families.

    Can adoptive families provide foster care?

    Yes! Adoptive families who are willing to accept placement of children who are not yet legally free for adoption but have a plan for adoption can also become certified as foster families. This dual certification increases the opportunities for successful adoptions. In some areas of the state, a buddy system has been developed in which experienced foster families, who understand the challenges and rewards of foster parenting, are available to share experiences with new families and give suppor


    Network Analyzer and Packet Sniffer

    #top #talkers #network #monitoring


    #

    CommView

    Overview

    CommView is a powerful network monitor and analyzer designed for LAN administrators, security professionals, network programmers, home users…virtually anyone who wants a full picture of the traffic flowing through a PC or LAN segment. Loaded with many user-friendly features, CommView combines performance and flexibility with an ease of use unmatched in the industry.

    This application captures every packet on the wire to display important information such as a list of packets and network connections. vital statistics. protocol distribution charts. and so on. You can examine, save, filter, import and export captured packets, view protocol decodes down to the lowest layer with full analysis of over 100 supported protocols. With this information, CommView can help you pinpoint network problems and troubleshoot software and hardware.

    CommView includes a VoIP analyzer for in-depth analysis, recording, and playback of SIP and H.323 voice communications. For remote monitoring tasks. you can use our special, optional add-on for CommView: CommView Remote Agent. It allows CommView users to capture network traffic on any computer where Remote Agent is running, regardless of the computer’s physical location. This powerful and unique technology broadens your monitoring range: you are no longer limited by your LAN segment or personal computer.

    1 User License — $299.00

    CommView 1 Year Subscription

    1 User License — $149.00

    1 User License — $599.00

    About license types

    Screen Shots

    Click on the image to enlarge

    How Can a Network Analyzer Help Me?

    If you are a seasoned professional, you definitely know the answer. Managing a LAN, creating network-oriented software, or performing a security audit have one thing in common: You’re blind without a good network monitor. Every day, it helps you maintain efficient network data transmission. test firewalls and intrusion detection systems. or identify problems with network-based applications. And there is an important economic reason behind using a network analyzer: it costs a fraction of the price of information, time, software, and hardware that may potentially be lost or wasted by not using a network analyzer. A number of case studies describe real-world applications of CommView in business, government, and education sectors.

    If you are new to networking, you’ll find CommView extremely useful for understanding how the Internet and your LAN work. Being a network analyzer (also commonly referred to as a packet analyzer, network monitor, or packet sniffer), it captures and decodes network traffic and makes sense of it, allowing you to see what, where, and how information leaves and enters your computer — which is critically important for a secure Internet experience. The Online Tutorial is an excellent resource for learning about the many exciting features CommView offers.

    Be sure to read our white paper, Promiscuous Monitoring in Ethernet and Wi-Fi Networks. that examines the problems related to the deployment and usage of software-based network monitoring solutions in wired and wireless LANs. It demonstrates the methods of achieving network traffic visibility in various network configurations that include hubs, switches, routers, etc.

    No matter what user category you belong to, you can be certain that CommView is the right choice for your network monitoring solution.

    What You Can Do with CommView

    • View detailed IP connections statistics: IP addresses, ports, sessions, etc.
    • Reconstruct TCP sessions.
    • Map packets to the application that is sending or receiving them.
    • View protocols distribution, bandwidth utilization, and network nodes charts and tables.
    • Generate traffic reports in real time.
    • Browse captured and decoded packets in real time.
    • Search for strings or hex data in captured packet contents.
    • Import and export packets in Sniffer . EtherPeek , AiroPeek , Observer . NetMon, Wireshark/Tcpdump, and Wireshark/pcapng formats, export packets in hex and text formats.
    • Configure alarms that can notify you about important events, such as suspicious packets, high bandwidth utilization, unknown addresses, etc.
    • Create your own plug-ins for decoding any protocol.
    • Exchange data with your application over TCP/IP.
    • Export any IP address to SmartWhois for quick, easy IP lookup .
    • Capture loopback traffic.

    System Requirements and Download

    CommView runs on Windows 7 / 8 / 8.1 / 10 or Windows Server 2008 / 2012 (both 32- and 64-bit versions). It can monitor Ethernet and Wi-Fi adapters, as well as many types of virtual adapters, such as VPN or LTE modem connections. An evaluation version is available in the Download Area. To purchase this product, add it to the shopping cart (see the link at the top right corner of this page) or visit the Product Catalog.


    Georgia Insurance Discounts: Georgia Car, Home – Life Insurance, Farmers, cheap insurance in georgia.

    #Cheap #insurance #in #georgia


    Georgia Insurance

    Learn all about the different ways

    Farmers helps you save on great

    insurance coverage in Georgia.

    Farmers Georgia Auto and Home Insurance Discounts

    Car Insurance Discounts

    Discounts for the Family:

    • Bundle Discounts – Carry multiple Farmers policies, and you’ll get quality coverage and save with our insurance discounts. Save when you purchase along with your Farmers Auto policy any of the following policies:
      • Home
      • Renters
      • Mobile Home / Specialty Dwelling
      • Farmers Specialty (Motorcycle, boat, motor home, etc.)
      • Life
    • Distant Student – If you cover a student on your policy (23 years old or younger) and they attend school at least 100 miles away from your home and don’t have regular access to your covered car, we can discount your premium rate.
    • Multi-Car – Save money on your premium when you cover more than one vehicle under the same Farmers auto policy.
    • Teen Driver – You may qualify for this discount if you cover a teen driver on your policy, who’s 19 or younger, and either the child or grandchild of the primary policyholder.
    • Affinity Discount – You could qualify for a discount if you or your spouse are an employee or retiree from an approved occupational group.

    Planning Ahead Discounts:

    • Alternative Fuel – Invest in a hybrid, electric, or other new alternative fuel vehicle and you’ll reap the financial rewards at the pump, and with an insurance rate discount.
    • Electronic Fund Transfer (EFT) – Never miss another payment, and save money! Enroll in Farmers Automatic Electronic Payments and qualify for a lower rate.
    • Homeowner – If you own your home, Farmers will discount your Auto insurance rate.
    • Pay In Full – Pay your full term premium in one lump sum, and we’ll reduce your rate with this discount.
    • Transfer – Switch to Farmers Insurance from another approved carrier, and as long as you didn’t have a lapse in coverage, you’ll save on your new rate.

    Classroom Discounts:

    • Defensive Driver – Drivers on the policy can complete a state-approved driver safety training course to earn this added rate discount. If you’ve finished a similar course in the past 36 months, let us know and we’ll apply the discount.
    • Good Student – If you’re a licensed Georgia driver under 25, and maintain a B average or better, you could save money on your auto coverage. This discount also applies to students that meet one of the following academic criteria:
      • College students with a 3.0 (out of 4.0) grade point average or higher
      • Dean’s List or Honor Roll students
      • Students ranked in the top 20% of their class or top 20% in nationally recognized standardized tests

    Be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

    Homeowner Insurance Discounts

    From the country to the cities, wherever you call home in Georgia, protect it with smart coverage at smarter prices. Learn about the different ways Farmers helps you save on great home coverage in the Peach State.

    Discounts for the Household:

    Bundle Discounts – Qualify for multi-line discounts when you cover your important assets with quality Farmers products. Purchase a Farmers Home insurance policy, along with a Farmers Auto and/or Life insurance policy, and we’ll discount your premium.

    Home Safety Discounts

    Protective Devices – Farmers offers discounts for homeowners that install qualified burglar alarms, fire alarms, and a fire protection device (like an internal sprinkler system).

    You may be eligible for one or more of these discounts, subject to documentation. Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Not all products and discounts are available in every state. Please contact a Farmers agent for details.

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    return link 1 Life insurance issued by Farmers New World Life Insurance Company, 3003 77th Ave SE, Mercer Island, WA 98040.

    Products features may not be available in all states may vary by state. Restrictions, exclusions, limits, and conditions apply.


    Checar buro de credito – Credito México, creditos gratis.

    #Creditos #gratis


    Credito México

    Checar buro de credito

    Como sabemos el buró de crédito es un institución encargada de almacenar los datos de todas aquellas personas o compañías que han tenido al menos un crédito en el territorio de la república mexicana en su vida, sin importar si su saldo esta en rojo o verde.

    Por lo que cada vez que una persona o compañía hace una solicitud para un nuevo crédito, toda institución financiera o entidad de préstamo, recurren a nuestra institución con la finalidad de conocer el reporte o el historial crediticio de quien desea obtener un crédito.

    ¿Qué datos se muestran en el reporte de buro de credito?

    En este reporte se muestra el historial que contiene toda la información de tus datos así como te tus anteriores créditos, estén vigentes o cancelado de hasta por lo menos los últimos seis años, lo referente a la lista de créditos los cuales son valorados detalladamente si están al corriente con los pagos, aquellos créditos que presentan retraso de pago de 1 a 89 días, los pagos con mas de 90 días de retraso y por su puestos las deudas sin recuperar, es decir las que nunca has realizado un pago.

    Además encontraras en ese reporte la diferentes instituciones o entidades financieras que han solicitado ver tu reporte crediticio, es decir, que son aquellos bancos donde has tramitado la solicitud de un crédito, de esta manera descuerdo a tu comportamiento de pago podrás obtenerlo. Sin embargo algunas personas han manifestado que por estar en el buró de crédito les han rechazado su solicitud.

    ¿Te negaron un crédito por aparecer en el Buró de crédito?

    Es importante aclarar que el buró de crédito es una institución que informa sobre que personas han solicitado créditos en el territorio de la república mexicana mas no decide si una solicitud es aprobada o no, estas facultades son íntegramente de las instituciones que dan créditos tanto a las personas como a las compañías.

    Lo que influye en la decisión es el estado de tu reporte, esto quiere decir que si posees un reporte donde se observe que eres responsable en tus pagos de las deudas anteriores, esto eleva los niveles de confianza y aumenta las posibilidades de que se te apruebe tu solicitud.

    Si en caso contrario tus saldos están la mayoría o todos en rojo esto no será muy bien visto por los otorgante de créditos por lo que se traduce que tu crédito sea rechazado. Estas son las razones fundamentales por las cuales se consulta el reporte del buró de crédito de un solicitante para determinar que tan comprometido y responsables es con las deudas que contrae.

    ¿Qué tan privado es tu reporte especial?

    Estas por solicitar un crédito para poder adquirir una casa, un carro o por una emergencia, y para hacerlo visitas un entidad financiera la cual debe revisar tu historial crediticio para poder saber que deudas tienes pendientes y que tan responsables con los pagos eres, de esta manera saber si eres elegible o no para el crédito.

    Y es en este momento que te llega varias interrogante ¿Qué tan privado es tu informe crediticio? Y ¿Quién tiene acceso a esa información? Como sabemos tu reporte especial del Buro de crédito es un informe que muestra todo tu historial crediticio desde por lo mínimo los últimos 6 años en donde no solo se refleja información de los créditos adquiridos en ese tiempo, las frecuencia de pago, también hay información referente a tus tarjetas de crédito, así como también datos personales, lo cual son de gran importancia para ti. Por lo que esta valiosa información no puede ni debe estar a Vox Populi, por lo que es importante saber quien o quienes pueden acceso.

    Acceso a mi reporte especial del Buró de crédito

    El perfil financiero que posee este reporte puede permitir a una empresa crediticia o entidad financiera tener un acuerdo o negocio con Ud. mediante el análisis de dicho informe, por lo que solamente tú y los Otorgantes de Crédito a los que por autorización expresa pueden consultar tu historial en Buró de Crédito.

    Por lo que para tener garantía que nadie mas pueda acceder a tu reporte de crédito especial se solicita información que solo Ud. posee de sus créditos como son los números de registros o números de tarjetas de crédito.

    Como estos datos son solicitados por la Comisión Nacional Bancaria y de Valores y por la Ley para regular las Sociedades de Información Crediticia, debes tener siempre a la mano tus daros así como la información referente a los créditos al momento de solicitar la consulta de Reporte de crédito Especial del Buro de crédito, esto con el fin de llenar todos los campos de la solicitud.

    Cuando desees tener a un crédito en algún ente financiero este podrá consultar tu historial crediticio con tu expresa autorización de esta manera se mantiene la confiabilidad y privacidad de la información que ella contenga, es importante aclarar que el Buró de crédito no facilita que te aprueben o no el crédito ya que eso dependerá de institución financiera considere de acuerdo a tu perfil crediticio.

    Como consultar Buro de credito gratis

    El buró de crédito en una empresa ampliamente conocida en la República Mexicana que permite tener tu información o historial crediticio de toda persona o empresa que ha hecho uso de algún crédito, ahí podrán consultar buro de credito y esto sirve como una base de datos en donde toda empresa financiera conozca las referencia de créditos de cada uno de los usuarios.

    Buro de credito en México

    Esta información es usada por los diferentes entes financieros, así como también establecimientos comerciales como las tiendas departamentales o concesionarios automotrices, esto le indica a estas empresas como es tu responsabilidades de pago y si eres elegible para otro crédito.

    Para poder acceder a un consulta gratis en el buro de crédito en México solo lo podrás hacer una vez cada 12 meses, es gratis por internet, si llegaras a solicitar otro en menos de un año deberás cancelar por ello, esta consulta gratuita se conoce como Reporte del Crédito Especial, para ello debes tener a la mano toda la información necesaria como es el numero de las tarjetas de crédito, las referencia de los créditos personales, automotrices o hipotecarios que tengas los cuales debes ser de menos de 6 años así ya estén liquidados.

    La consulta gratis podrás hacerla por varios medios como son por medio del portal Web del buro de credito en México, por vía telefónica desde cualquier parte de México a través del (55) 5449 4954 sin costo de larga distancia o al 01800 640 7920.

    También se puede solicitar personalmente en las oficinas ubicadas en la Av. Periférico Sur 4349. Plaza Imagen, Loc. 3, Fracc. Jardines de la Montaña. Delegación Tlalpan C.P. 14210. México D.F.

    Los resultados podrán llegar a tu correo electrónico, esta información es confidencial solo tendrás acceso el usuario interesado.

    Consultar Buro de credito en línea

    Como se dijo anteriormente es necesario acceder a la Web oficial que es www.burodecredito.com.mx, buscar la opción que dice reporte de crédito especial para poderlo obtener de forma gratuita darle clic, aquí aparecerá una ventana que te informa si autorizas a la compañía en revisar tu historial de crédito.

    Después deberás llenar el formulario por completo con toda la información que se te solicita. Este reporte podrás hacerlo solo una vez al año si deseas que sea gratis.

    Una vez este listo el reporte te dará una contraseña que te permita acceder a los resultados de la solicitud, pero que solo cuentas con 24 horas de vigencia si se vence dicho plazo deberás repetir todos los pasos pero este tendrá un costo adicional.


    Prestamos – Financiacion Empresas – Lineas ICO, prestamos pymes.

    #Prestamos #pymes


    Ministerio de economía, industria y competitividad Prestamos pymes Instituto de Crédito Oficial Prestamos pymes

    Prestamos pymes Prestamos pymes Prestamos pymes Prestamos pymes

    Líneas ICO

    ¿CÓMO FUNCIONA LA MEDIACIÓN?

    La Mediación es la actividad financiera del ICO en la que actúa a través de las Entidades de Crédito.

    1.EMPRESAS Y EMPRENDEDORES

    Catálogo de productos destinados a financiar los proyectos de inversión en España y las necesidades de liquidez de autónomos y empresas.

    2.INTERNACIONAL

    Catálogo de productos para promover la internacionalización y la actividad exportadora de las empresas españolas, financiando inversión y liquidez.

    Prestamos pymes

    ICO ha recibido financiación del BEI en condiciones ventajosas destinada a la financiación de inversiones realizadas por PYMES y Midcaps y ha firmado convenios de colaboración con las Comunidades Autónomas de Galicia, Madrid y Murcia para la mejora de las condiciones financieras y la distribución de estas líneas. Ver Operaciones

    Prestamos pymes

    ICO ha recibido financiación del banco público alemán KfW en condiciones ventajosas destinada a la financiación de inversiones realizadas por PYMES. Ver operaciones.

    Prestamos pymes

    ICO ha recibido financiación del Banco de Desarrollo del Consejo de Europa en condiciones ventajosas destinada a la financiación de inversiones realizadas por PYMES. Ver operaciones.

    Advertencia: El ICO únicamente mantiene relación contractual con los bancos y cajas de ahorro adheridos al sistema de Mediación y con los “Agentes Colaboradores” que se encargan de difundir las Líneas de Mediación. El ICO no tiene ninguna relación con el Círculo Gacela. En consecuencia, el ICO no se hace responsable de la actuación de cualquier intermediario o comercial, quienes actúan en todo caso bajo su exclusiva responsabilidad.


    Logiciel courtage courtier crпїЅdit et prпїЅt immobilier, financement pret immobilier.

    #Financement #pret #immobilier


    LES LOGICIELS

    DU CREDIT

    Gestion du courtage en crпїЅdit

    Logiciel leader chez les courtiers en crпїЅdit

    ALTOFFICE

    Simulation de crпїЅdit immobilier et dпїЅfiscalisation

    (optimisation des plans de financement, lissage, PTZ. )

    Alto Informatique

    Notre sociпїЅtпїЅ est spпїЅcialisпїЅe dans la conception de logiciels pour les professionnels du crпїЅdit, de limmobilier et du conseil en dпїЅfiscalisation immobiliпїЅre.

    et Cifacil (logiciel de gestion du courtage en crпїЅdit).

    Versions en vigueur en avril 2018 :

    • banques et пїЅtablissements de crпїЅdit
    • courtiers en crпїЅdits (intermпїЅdiation financiпїЅre)
    • conseillers en gestion de patrimoine (CGP, CGPI)
    • organismes collecteurs du 1% (CIL, CCI)
    • promoteurs, constructeurs et commercialisateurs
    • agences immobiliпїЅres
    • OPAC et SA dHLM
    • organismes de formation (mпїЅtier de la banque, crпїЅdit)
    • prпїЅts aux particuliers

    (immobilier, conso)

  • conseil en investissements locatif

    (Pinel, LMP, LMNP, Bouvard, Girardin, Malraux)

  • rachat de prпїЅts et regroupement de crпїЅdits
  • prпїЅts aux professionnels et prпїЅts bonifiпїЅs пїЅ lagriculture
  • assurance : assurance crпїЅdit, multirisque habitation,

    prпїЅvoyance-dпїЅcпїЅs

  • пїЅpargne : пїЅpargne-logement, assurance-vie, etc.
  • CrпїЅer un plan de financement et faire du lissage de prпїЅt devient un jeu denfant.”


    Compare Cheap Car Insurance Quotes, motor insurance rates.

    #Motor #insurance #rates


    Car Insurance

    Save up to £273 on your car insurance*

    *51% of customers could save up to £273.83 Consumer Intelligence, November 2017

    Motor insurance rates

    Insure your car with Admiral and get £30 cashback

    If you take out car insurance with Admiral through MoneySuperMarket between 14 January and 4 February 2018, you’ll be eligible to receive £30 cashback.

    The offer will be paid on new policies only and is not available on renewals if you already have car insurance with Admiral Group, which includes the Diamond, Elephant and Bell brands.

    You have to hold the policy for a minimum 14 days, and the cashback will be sent to you within 90 days of your policy’s start date. For more information and full T Cs click here

    COMPARE CAR INSURANCE

    How to get a car insurance quote

    To get an accurate quote you will need to provide certain details about your car, including:

    • Registration number
    • Make and model
    • Age and value
    • Any modifications made

    This information allows us to understand which insurance group your car belongs to, in order to complete the insurance quote. You can find out which group your car belongs to using this tool.

    Information about you

    You will also need to include information about your job, age, and where you live, along with details of your driving history (including any convictions and claims).

    Named drivers

    The names and licence details of anyone who will be driving your car need to be provided.

    No Claims Discount (NCD) history

    Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

    Motor insurance rates

    Motor insurance rates

    How to reduce the cost of car insurance

    MoneySuperMarket data shows the average quoted premium for an annual fully comprehensive car insurance policy is £579 (September 2017), up 7.5% on the previous year. This increase in premiums makes it more important than ever to compare the best car insurance prices.

    Here are our top tips on how to reduce your premiums:

    Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

    Compare quotes: Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £273 on their annual premium*.

    Increase your excess: Insurers are likely to reduce the cost of cover if you increase your excess. Just make sure your excess is affordable. Read our voluntary excess guide.

    Build a no claims discount: Most insurers reward drivers for claims-free driving.

    *51% of customers could save up to £273.83 Consumer Intelligence, November 2017

    What do our customers think of us?

    Customer satisfaction rating

    **Based on 5500 reviews in the last 12 months – Read all reviews

    What types of car insurance policy are available?

    Third party provides the lowest level of car insurance cover. It insures you against damage to another person’s car or injury to them, however it doesn’t cover your car should it need to be repaired or replaced.

    Third Party Fire and Theft

    With third party, fire and theft you have additional cover to repair or replace your car if it’s stolen, damaged or destroyed by fire.

    Comprehensive Cover

    Fully comprehensive car insurance offers complete cover for your car and other drivers. This includes third party and third party fire theft, vandalism damage, accidental damage, repairs, and loss of gadgets such as sat nav systems.

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

    How can we help you save on your car insurance?

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

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

    “I got a very good quote for car insurance from MoneySuperMarket.”

    “Saved over £300 on my car insurance renewal quote.”

    “MoneySuperMarket quickly helped in finding me a much cheaper car insurance – Thank you.”

    “Managed to reduce my motor insurance costs by more than fifty per cent with MoneySuperMarket. Very pleased!”

    CAR INSURANCE GUIDES

    Classic car insurance

    Compare classic car insurance quotes online

    Student car insurance

    Study our student car insurance service

    New driver insurance

    Get a good deal on your first car insurance policy

    European car insurance

    Find a policy that covers driving on the continent

    Teenage driver cover

    Get a good price on teenage car insurance policies

    Car insurance guide

    MoneySuperMarket s definitive car insurance guide

    Multi-car

    A single insurance policy to cover several cars

    Temporary car insurance

    Get covered for periods shorter than 12 months

    Car insurance check

    Find out if your current motor insurance policy is valid

    Third party only

    Compare cheap third party insurance quotes

    Young driver insurance

    Fight back against expensive young drivers insurance

    Business car insurance

    Get a specialist Business car insurance policy

    Car insurance groups

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

    Learner driver insurance

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

    Fully comprehensive cover

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

    Excess insurance

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

    Gap insurance

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

    Named driver insurance

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

    MOTORING NEWS

    Fancy a driverless car

    Are we ready for the motoring revolution

    What is car insurance fraud

    And could you be at risk

    YOU YOUR CAR

    Taking care of your tyres

    Tips to ensure your tyres are up to scratch

    Beat car depreciation

    Selling your car Here s how to get the best price

    STREETWISE

    Do you know your road signs

    Take our quiz to find out

    Caravan or motorhome

    All you need to know about insurance

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

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

    We combine independence, so we can negotiate the best prices, with excellent technology, to find great value products and services for you. That’s what makes us – in our customers’ opinions – the best price comparison website.

    Level of service

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

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


    Fasi ristrutturazione bagno: 6 passaggi da seguire, box vasca da bagno.

    #Box #vasca #da #bagno


    Fasi ristrutturazione bagno: 6 passaggi da seguire!

    Nelle prossime righe ti racconterò i 6 passaggi che compongo la ristrutturazione del bagno.

    Questo post è molto pratico: anche se non hai esperienza al temine della lettura saprai cosa ti aspetta quando devi rifare il bagno di casa.

    Tutte le fasi saranno documentate con foto riguardanti un intervento reale, eseguito su un appartamento anni 60.

    Sarà come stare in cantiere.

    Fasi ristrutturazione bagno: step by step prima-dopo&

    Rappresenta il bagno protagonista dellarticolo prima dellinizio dei lavori.

    bagno da ristrutturare

    Nulla di speciale, vero?

    Puoi riconoscere alcuni elementi che caratterizzavano i bagni di quegli anni:

    ◼︎ rivestimenti sino ad altezza solaio;

    ◼︎ colori e decorazioni poco felici (allepoca erano di moda!);

    ◼︎ presenza della vasca (oggi meno utilizzata);

    Passiamo alla ristrutturazione.

    Fase #1: Demolizione del bagno

    Arrivata in cantiere limpresa chiude le chiavi di arresto dellacqua e sigilla bagno e stanze adiacenti (così non si riempiranno di polvere).

    In seguito passa allo smantellamento vero e proprio.

    Sono rimossi sanitari e arredi, poi inizia la demolizione di pavimento, rivestimenti e massetto di sottofondo.

    Il massetto viene demolito solo quando vuoi sostituire le tubazioni dellimpianto idraulico (quindi nel 99% dei casi).

    Se il massetto non è toccato non possiamo parlare di una ristrutturazione completa.

    Tieni a mente ciò che hai appena letto.

    Ci sono persone convinte di aver rifatto il bagno solo perché hanno sostituito i sanitari.

    Di questa prima fase si occupa il muratore, che provvede anche a segnare le tracce (dove verranno posizionate le nuove tubazioni, gli attacchi per il lavabo, lo scarico della vasca/doccia…) con la supervisione dellidraulico.

    A demolizione ultimata il locale avrà questo aspetto:

    bagno demolito

    Questa è la parte più rumorosa di tutto lintervento.

    La demolizione viene eseguita con un martello demolitore e produce parecchi calcinacci.

    I calcinacci e i residui della demolizione verranno poi trasportati in una discarica autorizzata.

    Soprattutto se abiti in un condominio, è importante che limpresa rispetti tutti i parametri indicati nella sezione Inquinamento acustico & del tuo comune.

    Fase #2: Posizionamento impianto idraulico ed elettrico

    Dopo il muratore è il turno di idraulico ed elettricista.

    La loro missione è quella di posizionare gli impianti seguendo le tracce segnate.

    Entrambi hanno un compito importante.

    In particolare è l’idraulico a dover prestare maggiore attenzione durante la posa delle tubazioni.

    Un suo errore potrebbe portare, a ristrutturazione ultimata, alla comparsa di perdite dacqua sotto al pavimento.

    Se la cosa dovesse succedere, il pavimento andrebbe smantellato nuovamente.

    In una ristrutturazione possono esserci cambiamenti anche nella posizione dei sanitari.

    Ecco quindi che le nuove tracce indicheranno la via& da seguire per realizzare il bagno che desideri.

    Alla fine della seconda fase il locale si presenterà così:

    impianti bagno: posizionamento

    Fase #3: Getto e livellamento massetto

    Nella terza fase ricompare il muratore, che provvede al getto e al livellamento del massetto.

    Il massetto non è nientaltro che uno strato di calcestruzzo (a spessore variabile) che ha lo scopo di contenere gli impianti e livellare il pavimento.

    Lobiettivo finale è quello di ottenere un pavimento perfettamente in bolla&.

    Sempre in questa fase il muratore provvede a chiudere le tracce a parete (come quelle della foto qui sotto).

    Non cè nulla di complicato in questa operazione.

    Tuttavia occhio a chi ti rivolgi quando devi ristrutturare il bagno.

    Ci sono impresari/artigiani che non vedono lora di passare ad un altro lavoro.

    Di conseguenza non curano i particolari.

    Al termine delle operazioni il locale si presenterà così:

    Bagno: getto massetto

    Per quanto riguarda limpianto elettrico sono visibili solo le scatoline in plastica che in seguito conterranno i frutti elettrici.

    Fase #4: Posa pavimenti e rivestimenti

    Il bagno prende forma!

    La posa avviene quando il massetto è completamente asciutto e calpestabile.

    Sui pavimenti non cè molto da dire: copriranno tutta la superficie del locale (escluso lo spazio occupato dalla doccia, se presente).

    E i rivestimenti?

    In passato molti bagni erano rivestiti sino al solaio.

    Oggi le mode sono cambiate.

    La maggior parte dei locali vengono rivestiti sino ad altezza della porta [2,10

    2,20 mt] oppure fino a 1,20

    Qualcun altro preferisce pareti quasi completamente libere, così ricopre solo alcuni punti strategici.

    Un esempio sono i rivestimenti che coprono esclusivamente la zona doccia e la zona lavabo.

    Ad occuparsi della posa è sempre il muratore o il posatore specializzato.

    ◼︎ una posa a regola darte, con pavimenti e rivestimenti perfettamente a livello;

    ◼︎ lutilizzo di una colla di ottima qualità (non un prodotto scadente);

    ◼︎ il passaggio della colla in modo uniforme su tutta la superficie della mattonella;

    ◼︎ che nessuno tocchi il pavimento prima che sia calpestabile;

    Detto questo, ecco come si presenterà il tuo bagno al termine della quarta fase:

    Bagno: posa pavimenti e rivestimenti

    Fase #5: Montaggio sanitari e rubinetterie

    Ormai la ristrutturazione è quasi conclusa.

    Il questo caso il protagonista è lidraulico.

    Il suo compito è montare sanitari, rubinetterie (con tutti i componenti) box doccia (ovviamente quando il bagno prevede una doccia).

    Se ci sono state modifiche allimpianto elettrico sarà presente anche lelettricista, per gli ultimi controlli.

    Fase #6: Collaudo finale

    A questo punto il minimo è un collaudo degli impianti quando sei presente.

    In questo modo potrai vedere se tutto funziona alla perfezione.

    ◼︎ pressione acqua adeguata;

    ◼︎ nessuna perdita (esempio dai rubinetti);

    ◼︎ sanitari e piastrelle non scheggiate/rovinati;

    Ricordati che la pulizia del locale è sempre compito dellimpresa.

    Dovrebbe essere scontato, ma da ciò che ho visto è così.

    E per quanto riguarda i tempi?

    La ristrutturazione del bagno dura in genere 7 giorni lavorativi (è una media).

    Dipende anche dalla grandezza del locale, dalla facilità di accesso e dallorganizzazione dellimpresa.

    Ed ora il bagno appena ristrutturato:

    Fasi ristrutturazione bagno: le conclusioni

    Che ne dici del lavoro che ti ho presentato nellarticolo?

    Se hai domande scrivi pure un commento: risponderò con piacere!

    Ho ancora qualcosa per te.

    Questi sono i link di 3 articoli che potrebbero interessarti:

    Ti chiedo un aiuto.

    Se i contenuti del post sono stati utili puoi sostenere il blog gratuitamente.

    Avrai notato che non uso pubblicità perché so che dà fastidio a molti lettori.

    Tuttavia puoi supportarmi tramite Amazon.

    Se devi fare acquisti utilizza il link qui sotto.

    Per ogni acquisto ricevo una piccola commissione: per te non ci sono costi aggiuntivi.

    Grazie infinite e a presto!


    Arzneimittel günstig, arzneimittel günstig.

    #Arzneimittel #günstig


    Weihrauchsalbe

    Weihrauchsalbe kaufen

    Sonderaktion bis 20.05.2018

    UVP: 13,90 EUR ( unverbindliche Preisempfehlung des Herstellers )

    Die Weihrauchsalbe oder auch Weihrauchcreme genannt, besteht aus Weihrauch (Boswellia). Die Weihrauchsalbe kann entweder in der Apotheke, Drogerie oder auch online gekauft werden.

    Weihrauchcreme extra stark 250 ml

    Die Weihrauchcreme gibt es auch im der 250 ml Spardose vom Hersteller. Die Weihrauch-Salbe extra stark mit dem stimulierenden Weihrauch (Boswellia) und Ingwer

    Weihrauchcreme extra stark 250 ml

    Weihrauchsalbe Wirkung

    Die Weihrauchpflanze / der Weihrauchbaum wird auch die Heilige Boswellia genannt. Es gehört zur Familie Burseraceae (Balsambaumgewächse). Die Balsambaumgewächse sind für ihre heilende und universelle Eigenschaften bekannt.

    Boswellia Bildquelle: Wikipedia / Mauro Raffaelli

    Der Weihrauchbaum erreicht eine Höhe von 5 Meter, er hat einen gebogenen Stamm und eine hängende Krone. Die Pflanze mag trockene Standorte, die sehr hoch über dem Meeresspiegel liegen (z.B. Arabien (Westen), Somalia, Sokotra).

    Quelle: Youtube / Franz Cervicek

    Weihrauch und seine Eigenschaften

    Weihrauchsalbe und dessen Wirkung ist als entzündungshemmendes Mittel aus der Literatur bekannt. Die Weihrauchsalbe wird häufig bei von Osteoporose, Osteochondrose, Arthritis oder Neurodermitis angewendet. Weihrauch wird u. a. seit Jahrhunderten bei Schwellungen und Entzündungen verwendet.

    Die fernöstliche Medizin schätzt Weihrauchsalbe für positive Eigenschaften bei frischen Wunden oder Narben. Des Weiteren ist aus Schriftstücken bekannt, dass in Arabien die Weichrauchsalbe auch bei Gelenk- und Muskelschmerzen von den Arabern eingesetzt wurde.

    Weihrauchsalbe

    Bereits vor 5000 Jahren wurde Weihrauch in der traditionellen indischen Medizin in den unterschiedlichsten Bereichen angewandt. Weihrauch wird gewonnen aus dem Harz des Weihrauchbaumes, der zur Gattung Boswellia serrate gehört. Er stammt vorwiegend aus Indien. Zur Gewinnung des Harzes werden die Bäume angeschnitten und es tritt eine milchig klebrige Flüssigkeit aus. Diese Flüssigkeit trocknet und wird nach einiger Zeit geerntet. Je nach Größe, Zustand und Alter des Baumes ergibt sich eine Erntemenge von 3 kg bis 10 kg. Mittlerweile sind die Weihrauchbäume in ihrem Bestand bedroht.

    Weihrauch Moderne Medizin

    Seit in den 1980-er Jahren die Alternativmedizin an Bedeutung gewonnen hat, hat Weihrauch im europäischen Bereich einen medizinischen Stellenwert erlangt. In mehreren Studien wurde die Wirksamkeit von Weihrauch getestet und die Wirksamkeit auch als belegt angesehen. (vgl. pharmazeutische-zeitung.de) Dem Weihrauch wird eine entzündungshemmende Wirkung zugesprochen. Die Studien waren aber nicht umfangreich genug, um dem formalen Studiendesign gerecht zu werden. Es wurden unterschiedliche Weihrauchextrakte genutzt und zu wenige Personen getestet. Die Ergebnisse dieser verschiedenen Studien sind erfolgversprechend, aber nicht aussagekräftig genug, um Weihrauch als Arzneimittel zulassen zu können. Homöopatische Fertigstellungen eines Weihrauchmittels in Apotheken sind auf Kundenwunsch und auf Verordnung als Rezepturarzneimittel genehmigt.

    Weihrauchsalbe Wirkung

    Im Handel ist Weihrauchsalbe in vielfachen Ausführungen in Apotheken und Reformhäusern erhältlich. Sie wird bei chronisch entzündlichen Haut- und Gelenkbeschwerden angewendet, wie Arthrose, Arthritis, Schuppenflechte. Bei einer regelmäßigen Verwendung der Weihrauchsalbe wird von Anwendern der Weihrauschsalbe eine positive Wirkung nachgesagt.

    Bei Weihrauschsalbe handelt es sich um ein Naturprodukt. Nebenwirkungen sind nicht bekannt bzw. die in verschiedenen Studien aufgetretenen Nebenwirkungen sind nicht zwangsläufig auf den Inhaltsstoff Weihrauch zurück zu führen.

    Weihrauch

    Weihrauch ist nicht nur ein fester Bestandteil der kirchlichen Zeremonie, sondern wird auch bei der Behandlung entzündlicher Erkrankungen eingesetzt. Gerade in der traditionellen indischen Medizin findet die Weihrauchsalbe bei entzündlichen und neurologischen Krankheiten, grippalen Infekten und als Wundverband bei Abszessen und Geschwüren Anwendung. Zudem wird die Weihrauchsalbe bei chronischen rheumatischen Beschwerden wie chronischer rheumatoider Arthritis eingesetzt. Zudem ist in der Literatur auch die Anwendung bei Neurodermitis und Psoriasis mit Weihrauchsalbe nachzulesen.

    Weihrauch Kapseln

    Weihrauch Kapseln

    Seit mehr als 5000 Jahren wird der Weihrauch in Indien und seit der Antike auch in Europa in der Medizin und Religion erfolgreich verwendet.

    Informationen zum Weihrauchbaum

    Der Begriff Weihrauch bezeichnet das Harz des stark verzweigten Weihrauch-Baumes namens Boswellia, der zur Familie der Balsambaumgewächse gehört. Der Weihrauch Baum besitzt sehr dicke Äste und ist mit einer dünnen Rinde versehen, die sich in Schichten ablöst. Dicht wachsende gefiederte Blätter reduzieren die Verdunstung des in Afrikas, Saudi-Arabiens und Indiens beheimateten Baumes. Zur Herstellung der Weihrauch Kapsel kommt von den 25 vorhandenen Boswellia-Arten hauptsächlich Boswellia serrata, der indische Weihrauch zum Einsatz. Die Gewinnung des Weihrauchharzes dauert mehrere Monate, da die Rinde über mehrere Wochen an derselben Stelle geschnitten wird. Der austretende Saft trocknet an der Luft und wird eine harte zähe Masse, die als Weihrauchharz bekannt ist.

    Religiös und traditionell

    Der Weih­rauchduft erinnert sofort an die Kirche. Die Kostbarkeit aus der Antike ­hat einen weit zurück reichenden religiösen Brauch. Die Ägyp­ter ver­wen­de­ten ihn zum Ein­bal­sa­mie­ren, sowie als Räu­cher­mit­tel und zur Desinfizierung. In der traditionellen indi­schen Natur­heil­kunde des Ayur­veda wird das kostbare Harz seit mehr als 3000 Jah­ren verwendet.

    Die Wirkung

    Der Weih­rauch­harz enthält unter anderem Bos­wel­li­a Säu­ren. In der Literatur ist nachzulesen, dass Weihrauchharz eine ent­zün­dungs­hem­mende Eigenschaft zugeordnet wird.


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    Term Life Insurance at Work, MetLife, term insurance online quote.

    #Term #insurance #online #quote


    Term Life Insurance

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

    Term insurance online quote

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    Consider a permanent insurance policy if you want:

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

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

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

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

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

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

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

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

    Then, subtract your personal expenses including:

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

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

    Premiums are typically based on factors such as:

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

    Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.


    Recetas de postres dulces, recetas tradicionales.

    #Recetas #tradicionales


    recetas tradicionales

    Recetas tradicionales

    ¿Sabías que hacer polvorones caseros es muy fácil? Se necesitan pocos ingredientes y el proceso es mucho más sencillo de lo que piensas. Si quieres disfrutar de nuevo del auténtico sabor de los polvorones echa un vistazo a la receta.

    Cómo hacer cookies con gotas de chocolate

    Recetas tradicionales

    Crujientes, dulces y muy apetecible. Así son estas cookies caseras con gotas de chocolate, un pequeño placer goloso perfecto para alegrar cualquier desayuno o merienda.

    Cómo hacer flan de queso curado

    Recetas tradicionales

    ¿Sabías que el queso curado o viejo queda delicioso en los postres? Si te gustan los sabores intensos este flan de queso curado te va a encantar. Además, es muy fácil de hacer y se prepara en un abrir y cerrar de ojos.

    Tarta de lima sin horno y muy fácil

    Recetas tradicionales

    Aprovecha los últimos días de calor del verano para preparar esta deliciosa tarta de lima. No es necesario encender el horno y es muy fácil de preparar.

    Magdalenas de chocolate caseras y esponjosas

    Recetas tradicionales

    Esponjosas, tiernas y con un intenso sabor a chocolate. Así son estas magdalenas caseras, un placer para los más golosos de la casa. Si quieres saber cómo se preparan échale un ojo a la receta.

    Panna cotta de chocolate blanco con coulis de fresa

    Recetas tradicionales

    La panna cotta o panacota es un postre suave, delicioso y muy fácil de elaborar. Esta versión es de chocolate blanco y su dulzor es maravilloso. Para darle un extra de sabor y color, acompaña el postre con una salsa de frutos rojos.

    Cómo hacer coulis de fresas casero

    Recetas tradicionales

    Cuando veas lo fácil que es hacer un coulis de fresa casero y lo rico que está, no volverás a comprar los siropes industriales. Aquí tienes la receta explicada paso a paso. ¡Echa un vistazo!

    Echa un vistazo a estas deliciosas recetas dulces: tartas, bizcochos, galletas… En Código Cocina nos encantan los postres tradicionales pero, por qué no, también nos gusta hacerle un guiño a la repostería creativa de vez en cuando. En nuestro blog podrás encontrar un amplio abanico de recetas que van desde sencillos bizcochos para tomar todos los días, hasta galletas decoradas o cupcakes de lo más vistoso.

    Un delicioso postre es siempre el broche perfecto para una buena comida, por lo que no debemos descuidar este detalle, especialmente cuando elaboramos menús algo más especiales. En Código Cocina encontrarás riquísimas recetas muy fáciles de hacer para endulzarte el día a día y para disfrutar con los tuyos.

    ¡Comparte tus recetas favoritas en las redes sociales!

    Recetas tradicionales

    Últimas recetas publicadas

    Recetas tradicionales

    Quiche de verduras y queso tierno

    Recetas tradicionales

    Cómo hacer salsa tártara casera

    Recetas tradicionales

    Risotto de setas con crujiente de parmesano

    Recetas tradicionales

    Lombarda con manzana, pasas y piñones

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    Sopa de pescado especial para Navidad

    Recetas tradicionales


    La défiscalisation des dons, une incitation à ne pas négliger! Tribu Solidaire, comment obtenir des dons pour une association.

    #Comment #obtenir #des #dons #pour #une #association


    Tribu Solidaire

    Le blog des solutions pour un monde solidaire

    La défiscalisation des dons, une incitation à ne pas négliger !

    Vous êtes-vous déjà demandé si vous pouviez délivrer un reçu fiscal aux personnes qui vous font des dons ? A la clé, des déductions d’impôts, des défiscalisations, pour vos donateurs qui peuvent sensiblement augmenter les dons à votre profit ! Mais à manier avec précaution car les conditions sont nombreuses et les risques de redressement fiscal de l’association réels. Précisions….

    Quelles sont les associations concernées ?

    Les articles 200 et 238 bis du Code Général des Impôts présentent la liste des organismes habilités à délivrer un reçu fiscal en contrepartie d’un don manuel. Si vous êtes une association, essentiellement deux cas de figure se présentent à vous :

    Premier cas : vous êtes une association dintérêt général ayant un caractère philanthropique, éducatif, scientifique, social, humanitaire, sportif, familial, culturel, ou concourant à la mise en valeur du patrimoine artistique, notamment à travers les souscriptions ouvertes pour financer lachat dobjets ou dœuvres dart destinés à rejoindre les collections dun musée de France accessibles au public, à la défense de lenvironnement naturel ou à la diffusion de la culture, de la langue et des connaissances scientifiques françaises.

    Attention, l’intérêt général est une notion qui s’entend ici au sens fiscal. Une association, pour être reconnue d’intérêt général, doit remplir des conditions bien précises telles que définies par l’instruction du 26 février 1988 (instruction 4C-2-88 sur les mesures en faveur du mécénat). Les associations ainsi désignées doivent poursuivre une activité non-lucrative, avoir une gestion désintéressée, ne procurer aucun avantage à leurs membres et ne pas fonctionner pour un cercle restreint. Ce caractère d’intérêt général peut s’entendre par défaut mais nous vous conseillons de le valider en demandant un rescrit fiscal auprès de l’administration fiscale.

    Deuxième cas : vous êtes une association reconnue d’intérêt public. Dans ce cas, pas de doute, car ce statut n’est obtenu que sur avis du conseil d’Etat avec publication au Journal Officiel.

    Des déductions fiscales non négligeables pour vos donateurs

    Ces deux cas sont les seuls où une association peut délivrer un reçu fiscal, preuve du don, qui permettra à leurs donateurs de déduire une partie non négligeable de leurs dons des impôts.

    Pour les particuliers, la réduction dimpôt est égale :

    • à 66% des versements effectués dans lannée, versements pris en compte dans la limite de 20% du revenu imposable global net
    • 75% des versements aux organismes fournissant des soins, des repas ou un logement aux personnes défavorisées dans la limite de 521 euros.

    Pour les entreprises, la réduction dimpôt est égale à 60% des versements effectués dans l’année, pris dans la limite de 0,5% du chiffre daffaires hors taxes, déductible de lIS ou de l’IR dû. Lorsque les dons dépassent le plafond de 0,5%, lexcédent est reportable sur les 5 exercices suivants (article 238 bis du CGI).

    Faites vérifier votre éligibilité par l’administration fiscale !

    Toute association qui estime être dans le cadre de la loi peut délivrer un reçu fiscal.

    Par contre, si l’association fait l’objet d’un contrôle fiscal, le contrôleur va vérifier attentivement que c’est bien le cas. Et son interprétation peut sensiblement différer de celle d’un non expert… A la clé, cette fois, un redressement fiscal ! Un moyen de vous garantir contre de tels mésaventures est de demander ce qu’on appelle un « rescrit fiscal », ce qui revient à mettre l’administration fiscale dans l’obligation d’étudier votre éligibilité. Il ne s’agit pas d’une simple demande de renseignements : vous obtiendrez une réponse qui engagera l’administration pour l’avenir et vous garantira ainsi une sécurité juridique en cas de contrôle ultérieur.


    Texas Car Insurance Quotes – Online Auto Insurance, texas auto liability insurance.

    #Texas #auto #liability #insurance


    Online Auto Insurance

    Texas auto liability insurance

    Texas auto liability insurance

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    Texas auto liability insurance

    • $30,000 for bodily injuries to one person.
    • $60,000 for bodily injuries to two or more people per accident.
    • $25,000 liability coverage for property damage. For example, this would cover damages to the other party s vehicle.

    This coverage is commonly abbreviated as 30/60/25. Keep in mind that this coverage does not cover the insured s vehicle in case of an accident.

    Questions About Texas Auto Insurance

    Texas auto liability insuranceIn order for tornado-related vehicle damage to be covered, the insured must have carried comprehensive coverage at the time of the loss. Motorists who do have this included in a policy and have had their vehicles damaged in the Dallas-Fort Worth area should.

    Texas auto liability insuranceTexas residents who own a registered vehicle in the state are required to purchase car insurance before they can apply for a driver’s license. When it comes time to apply for a license, the applicant will need to show proof of an automobile policy. Proof must also be.

    Texas auto liability insuranceTo determine a resident’s risk of being involved in an accident or filing a claim, coverage providers often take into consideration many different details. Often this information can range from personal information about a specific motorist, to the type of vehicle they drive and their.

    News Related to Insurance in Texas

    December 31, 2013 – The New Year that begins tomorrow will mean a few changes to car insurance-related laws in several states across the U.S. Beginning Wednesday, drivers in California, Texas, Oklahoma and Nevada will be subject to new laws taking effect. California auto policies can be renewed electronically under a law that goes into effect on Jan. 1 .

    December 18, 2013 – Personal auto insurance was the line of coverage that generated the most questionable claims (QCs) in Texas, New York and New Jersey between 2010 and 2012, according to three more state-specific reports on QCs that the National Insurance Crime Bureau (NICB) released Wednesday. According to the NICB, which receives QCs from .

    November 19, 2013 – In Texas, motorists looking for inexpensive auto insurance coverage can buy a policy that lasts only 30 days. Drivers can also get liability coverage through what’s commonly called a “named-driver” policy, which have limited coverage that only covers the person who purchased the policy and nobody else. The consumer .

    Articles on Car Insurance in Texas

    Jul 05, 2012 – State data are showing that the number of uninsured drivers in Texas has dropped significantly in 2012. But how much of that trend can be attributed to greater compliance with mandatory car insurance laws, and.

    May 22, 2012 – It has always been a good idea to drive safely and avoid accidents in Texas, but now vehicle owners have a little extra incentive. In April 2012, the state commissioner of insurance issued an order saying that rates for.

    Apr 20, 2012 – In the Lone Star State, all motorists are obligated to pay for damages that they cause while behind the wheel. To help ensure that residents are able to do so, state legislators passed financial responsibility laws that.


    Aries bienes raices, aries bienes raices. #Aries #bienes #raices


    Franquicia Century 21 Bienes Raнces

    Aries bienes raices

    Datos Técnicos

    Century 21 Bienes Raнces

    CENTURY 21 Mйxico

    Blvd. Miguel de Cervantes Saavedra #301 Torre Norte Piso 15 Col. Ampliaciуn Granada, C.P. 11520

    Miguel Hidalgo – Mйxico D.F.

    Franquicias extranjero 8000

    Datos Económicos

    Descripción

    CENTURY 21® tiene presencia en 78 países del mundo, con más de 130,000 asesores inmobiliarios y 7,000 oficinas. El Nombre de CENTURY 21® está altamente posicionado en el mundo, con un 98% de reconocimiento de la marca por el público general a nivel mundial, y ha sido reconocida como “la marca de bienes raíces mayormente reconocida” desde el año 2000.

    Más de 30% de nuestros negocios se originan directamente por el nombre CENTURY 21.

    La franquicia CENTURY 21 México aporta enormes beneficios a los empresarios al otorgarles una marca de gran prestigio, Capacitación profesional, Tecnología inmobiliaria, Publicidad Institucional y Consultoría constante.

    Nuestros Manuales Operativos, junto con nuestro equipo de Consultores Ejecutivos, lo llevarán de la mano para que su Franquicia CENTURY 21 sea exitosa y altamente rentable.

    Durante nuestros eventos locales semestrales, o nuestras Convenciones Nacionales anuales, CENTURY 21 México reconoce los grandes esfuerzos de los mejores Franquiciatarios y Asesores Inmobiliarios de nuestro Sistema a través de un amplio programa de reconocimiento.

    En CENTURY 21 México contamos con atractivos planes de financiamiento para ayudarle a lograr sus metas como profesional inmobiliario. Además, contamos con un magnífico plan de negocios, único en el ramo, ¡con el cual no pagará cuota fija los primeros 15 meses a partir de la firma de su franquicia!

    Contáctenos hoy para agendar una presentación donde le explicaremos a detalle los beneficios de pertenecer al equipo inmobiliario No. 1 del mundo.


    Fotos de baños: Ideas y decorados, ideas baños modernos. #Ideas #baños #modernos


    Fotos de baños: Ideas y decorados

    Al utilizar fotos de diseños de baño, las personas tendrán una perfecta guía para decorar sus cuartos de baño con un estilo bien elegante que no restará la funcionalidad del baño.

    Ideas baños modernosYa no existe excusa de no tener un baño bien atractivo y funcional, ya que los menos expertos en el mundo de la decoración tienen a disposición miles de fotografías que muestran diseños de baños que van desde los mas simples y clásicos a los mas ornamentales y modernos. Estas fotos de baños logran ser una guía perfecta al momento de decorar, donde las personas podrán ajustarlos a su propia personalidad y así crear un ambiente de gran originalidad.

    Los diseños que se muestran son muy versátiles, un ejemplo de ello son aquellos baños que con solo cambiar el color o darle un acabado al suelo del baño logran visualizarse muy elegantes y versátiles.

    Ideas baños modernos

    Si se opta por decorar el suelo son muchas las alternativas que se pueden tomar en cuenta, por ejemplo se puede colocar una alfombra que resista la humedad, se puede colocar vinilos decorativos, azulejos o mejor aun, se puede pintar el suelo para así dar un toque espectacular en este lugar. Al tomar la decisión de pintar el suelo del baño se debe tomar mucho en consideración la pintura a utilizar, la cual debe ser de gran calidad puesto a que estará en contacto directo con la humedad y el agua.

    En cuanto a los diseños, al color y al estilo a utilizar para pintar el suelo se elegirá el modelo que mas le atraiga a la persona. Si la persona es amante a los azulejos, puede colocar azulejos en el suelo y luego pintarlos para así dar un toque mucho mas original.

    Otras fotografías de diseños de baño que logran ser de gran ayuda al momento de decorar son aquellas que toman las paredes como elemento decorativo para dar estilo y elegancia en el baño. Aquí se pueden visualizar fotografías de baños que dejan atrás el uso de los azulejos en las paredes y pasan a utilizar elementos que brindan mayor modernidad y estilo en el lugar.

    Para decorar estas superficies se hace uso del vinilo decorativo el cual da un aire renovado; también se puede utilizar paneles decorativos de poliuretano o de PVC, los cuales son muy resistentes; se puede utilizar papel pintado evitando colocarlo en las zonas mas húmedas; y por último, para los amantes de los azulejos, tienen la opción de pintarlos permitiendo así renovar el baño cuando se haya cansado del color actual que estos poseen.

    Ideas baños modernos


    Que reste-t-il de la faute lourde dans le droit de la responsabilitГ© de la puissance publique, faute grave faute lourde. #Faute #grave #faute #lourde


    Que reste-t-il de la faute lourde dans le droit de la responsabilitГ© de la puissance publique ?

    Vous avez lu vos documents !

    Souscrivez le forfait streaming,

    et consultez toute la base !

    satisfait ou remboursГ©

    par notre comitГ© de lecture

    RГ©sumГ© du document

    La responsabilitГ© publique a toujours eu une importance accrue justifiГ©e par une exigence croissante de sГ©curitГ©, avec l’idГ©e que tout dommage doit ГЄtre rГ©parГ©. Ce rГ©gime va connaГ®tre une Г©volution importante d’abord par le passage du principe de l’irresponsabilitГ© de l’Etat Г l’admission de la responsabilitГ© de l’Etat dans l’arrГЄt Blanco du 8 fГ©vrier 1873.

    Sommaire

    1. L’affaiblissement de la faute lourde dans le droit de la responsabilitГ© de la puissance publique
      1. L’abandon de la notion de faute lourde en droit de la responsabilitГ© de la puissance
      2. L’abandon de la notion de faute lourde en lien avec l’Г©volution des considГ©rations de la sociГ©tГ©
    2. L’existence de l’influence de la notion de faute lourde
      1. La notion de faute lourde toujours employГ©e dans le contentieux administratif
      2. Une responsabilitГ© pour faute simple descendant de la faute lourde dans la responsabilitГ© de la puissance publique

    Extraits

    [. ] En effet, avant la notion de faute lourde, on parlait de faute manifeste et d’une particulière gravité. Il s’agissait d’une faute dont la preuve était particulièrement difficile à rapporter, elle a donc au fur et à mesure été abandonnée et a été inappliquée dans tous les domaines auxquels elle s’appliquait auparavant, comme les services pénitenciers selon la jurisprudence Rakotoarinovy de 1958 du Conseil d’État. Pour ce qui est de l’abandon de la faute lourde, elle est due unanimement à l’évolution de société. [. ]

    [. ] La notion de faute lourde n’a cessé de voir son champ d’application se restreindre, si la plupart des domaines où le juge avait recours à la faute lourde ont désormais évolué vers le champ d’application de la faute simple, il semble que cette faute ne soit pas différente sur le fond de la faute lourde. Il apparaît que cette évolution est due à la mutation du droit de la responsabilité administrative. Ainsi qu’elle est la place de la faute lourde dans le droit de la responsabilité de la puissance publique ? Il semble bon de démontrer qu’il y a un affaiblissement de la faute lourde dans le droit de la responsabilité de la puissance publique mais que cette notion reste tout de même influente. [. ]

    [. ] Que reste-t-il de la faute lourde dans le droit de la responsabilité de la puissance publique ? Planiol définissait la faute comme le manquement à une obligation préexistante. Un comportement imputable à une personne. La responsabilité publique a toujours eu une importance accrue justifiée par une exigence croissante de sécurité, avec l’idée que tout dommage doit être réparé. Ce régime va connaître une évolution importante d’abord par le passage du principe de l’irresponsabilité de l’État à l’admission de la responsabilité de l’État dans l’arrêt Blanco du 8 février 1873. [. ]

    [. ] La notion de faute lourde ne fait pas l’objet d’un abandon total, car elle reste tout de même appliquée par le juge. L’existence de l’influence de la notion de faute lourde Il semble que la notion de faute lourde n’est pas prête de disparaître, car elle reste employée par le juge dans le contentieux administratif mais qu’elle fait place maintenant à une responsabilité dont le fait générateur est la faute simple. La notion de faute lourde toujours employée dans le contentieux administratif La faute lourde n’est plus désormais la seule à pouvoir s’appliquer, cependant la faute lourde continuera d’être employée dans certains domaines. [. ]

    [. ] D’abord, les activités de l’administration sont parfois laborieuses à accomplir et leurs résultats aléatoires, ensuite il ne faudrait pas que l’administration soit soumise à la pression d’une sanction pécuniaire qu’elle encoure dès quelle aurait commis une erreur. Cependant, il a été accepté d’engager la responsabilité de l’administration chaque fois que celle-ci commet une faute qui n’a parfois aucune importance, ce qui revient à soumettre l’administration à une pression injustifiée des usagers. En outre, le recours à la notion de faute lourde en droit administratif se fait de plus en plus rare. Elle n’en est pas pour le moins toujours présente dans le contentieux de la responsabilité administrative. [. ]


    Jugos de autos, jugos de autos. #Jugos #de #autos


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    3070 películas clasificadas por género. Conoce el argumento, datos técnicos, actores y director de cada película.

    Todos los estrenos en DVD ordenados en general o por género.

    Mira online los avances de las películas de nuestro catálogo

    Biografías y películas de actores y actrices.


    Residence Vigna del Mare Palinuro – Appartamenti case vacanza sulla costa cilentana Palinuro Parco Nazionale del Cilento, b&b sul mare napoli. #B&b #sul #mare #napoli


    Il luogo ideale per le vostre Vacanze da Sogno

    Il Residence Vigna del Mare saprГ accogliervi in una struttura semplice ed elegante, posizionata in prossimitГ della splendida spiaggia delle Saline e distante soli 400 metri dal centro di Palinuro. Non solo Relax nel massimo della privacy, Vigna del Mare ГЁ anche sport, natura, internet e tv, pulizia e igiene.

    Residence

    Vigna del Mare ГЁ un residence incastonato tra ulivi secolari e lo splendido mare di Palinuro. La spiaggia ГЁ accessibile direttamente a piedi, e a soli 200 metri si puГІ raggiungere la spiaggia delle Saline, famosa in tutto il mondo per le sue acque cristalline. La sua vicinanza anche al centro del paese di Palinuro, distante circa 400 metri, ne fa una delle strutture piГ№ accoglienti di tutto il litorale.

    Case vacanza e bungalow

    Il residence Vigna del Mare si compone di 40 unitГ abitative costituite da bungalow (mono) e case vacanza (mono e bilocali) disposte su ampi terrazzi fioriti e rivolte verso il mare, all’ombra di ulivi secolari. Gli alloggi sono arredati in modo semplice e funzionale, dispongono di aria condizionata (case vacanza), ventilatore a colonna (bungalows), TV, bagno privato con doccia, cucina completamente arredata e indipendente, veranda arredata e. tutto il resto che ГЁ impossibile spiegare.

    Appartamenti zona Porto

    Per soddisfare anche i clienti piГ№ esigenti, abbiamo messo a vostra disposizione anche degli splendidi appartamenti autonomi direttamente nel centro di Palinuro, in zona Porto. Posizionati direttamente sulla spiaggia, renderanno indimenticabile il vostro soggiorno a Palinuro. Sentitevi come a casa vostra, ma lasciatevi coccolare.

    Estate 2018 a Palinuro.

    Prenota prima ed ottieni uno sconto del 10 % sul prezzo di listino.

    (Valido per soggiorni di almeno 1 settimana e SOLO nei termini e nei periodi indicati)

    Offerte a partire da € 180 a settimana*!

    *bungalow 2 posti letto

    Palinuro in classifica tra le mete vacanza adatte ai bambini

    Skyscanner, leader mondiale nella ricerca di voli e vacanze low cost, ha scelto 20 mete perfette in Italia per una vacanza in famiglia con bambini. Ecco quali sono: Fotovaia e Castiglioncello (Toscana), San Vito lo Capo e CefalГ№ (Sicilia), Noli e Camogli (Liguria), Bibione (Veneto), Numana (Mar..

    Palinuro ГЁ tra le mete vacanza piГ№ cercate su Google.

    Sul motore di ricerca Palinuro, famosa localitГ del Cilento, risulta terza nella speciale classifica stilata per le vacanze, dopo Follonica e Capo Verde e prima di Creta, Bordighera, Napoli, Lido di Camaiore, Ponza, Numana e Tenerife.

    “Immerso nel verde delle piante mediterranee”

    Ho trascorso con mio marito le vacanze estive, dal 29 agosto al 12 settembre, in questo bel residence e ci siamo subito trovati molto bene. La struttura, collocata su un terreno terrazzato, ГЁ totalmente immersa nel verde di ulivi, corbezzoli, mirti, bouganville e tante altre piante della macchia mediterranea molto ben curate come anche i giardini. Ha un parcheggio, un.

    Termini e condizioni del servizio

    Servizi ed attrezzature: reception, bar, parcheggio privato e non custodito, piscina con idromassaggio, parco giochi per bambini, bici, wireless rete, ping pong, servizio navetta per lido convenzionato (a mt. 200 dal residence – possibilitГ anche di spiaggia libera). A pagamento: uso piscina con idromassaggio, bici, ping pong, parcheggio privato (vedi supplemento), lavanderia a gettoni, extra facoltativo Sky in camera € 20,00 settimanali. Biancheria da cucina non disponibile. E’ vietato circolare o sostare con le auto all’interno del complesso, fatta eccezione per le sole operazioni di carico e scarico. Le settimane 04/08 – 11/08 e 11/08 – 18/08 devono essere obbligatoriamente abbinate alle precedenti o alle successive. Incluso nelle quote: consumi di acqua, luce e gas biancheria da letto e bagno, cambio infrasettimanale, wireless. DA PAGARE IN LOCO: Tessera Club a posto letto € 20,00 a settimana (piscina con idromassaggio, bici, ping pong, servizio navetta, parcheggio privato non custodito) – Tassa di Soggiorno € 1,00 al giorno a persona per le prime 6 notti del soggiorno, sono esenti i minori di quindici anni (la tassa ГЁ in vigore dal 1 giugno al 30 settembre). Noleggio culla obbligatorio € 50,00 a settimana da segnalare alla prenotazione – bambini gratis fino a 3 anni ed ГЁ obbligatorio esibire documento d’identitГ . Pulizia fine soggiorno € 40,00 ad unitГ abitativa. Cauzione: € 100,00 ad unitГ abitativa restituibile a fine soggiorno. La colazione viene servita al bar (formula b&b se richiesta) non inclusa nelle quote. Animali non ammessi, se non di piccola taglia nei periodi con asterisco. Le visite alle persone alloggiate devono essere concordate con la direzione e ricevute nella zona di accoglienza: bar e tensostruttura, parco giochi. E’ TASSATIVAMENTE VIETATO ai non ospiti accedere ai viali e agli alloggi.


    Best Cheap Auto Insurance Quotes in Utah, Auto Insurance Center, car insurance utah. #Car #insurance #utah


    Best Cheap Auto Insurance in Utah

    • For bodily injury per person: $25,000
    • For bodily injury per accident: $65,000
    • For property damage per accident: $15,000

    All drivers are required to carry their insurance cards in their automobiles at all times. If caught without insurance, motorists will pay a minimum of $400, receive a class B misdemeanor, which will result in a loss of driver’s license and registration until proof of insurance is provided and a reinstatement fee is paid.

    Cheapest Auto Insurance Quotes in Utah

    Salt Lake City Auto Insurance

    Salt Lake City, the capital of Utah, is situated in a mountain valley. The city hosted the 2002 Winter Olympics, which are considered one of the most financially successful Olympics. Salt Lake City is the headquarters for the Church of Latter-day Saints, and the Mormon Temple is a striking part of the city s skyline.

    Outdoor activities are popular among visitors to Salt Lake City, especially winter sports like skiing, snowboarding and snowmobiling, which can be found at area ski resorts and parks. Cultural activities include the Utah Symphony and the Mormon Tabernacle Choir as well as unique museums like the Natural History Museum of Utah, where visitors can see paleontology collections and learn about minerals. Local professional sports teams the Utah Jazz and the Utah Grizzlies also bring many visitors to the city.

    Provo Auto Insurance

    Provo, the third largest city in the state, was named after a French-Canadian explorer and settled in the mid-1800s. It is the home of Brigham Young University, one of the largest private universities in the nation. Provo is situated along Utah Lake and at the base of the Wasatch Mountains.

    Ski resorts and parks offer many opportunities to participate in winter sports, such as skiing and snowmobiling, as well as such outdoor activities as hiking and bird watching. The Museum of Ancient Life has numerous mounted dinosaur displays as well as other prehistoric animals and hands-on exhibits. The presence of Brigham Young University adds to the cultural mix with the Museum of Art at Brigham Young University and the BYU Museum of Paleontology.

    West Jordan Auto Insurance

    West Jordan is a suburb of Salt Lake City and is named after the nearby Jordan River, which was itself named after a river in the Middle East. The area was settled by Mormons in the mid-1800s, who worked in agriculture and mining. The city experienced a population boom in the 1970s.

    Like many other cities in the area, winter sports are popular in West Jordan, primarily skiing and snowboarding. Gardner Village is a collection of historic buildings that allows visitors to get a sense of what life was like for the early settlers and also offers shopping and a day spa. Cultural activities can be found at the Schorr Art Gallery and the West Jordan Historical Museum.

    Orem Auto Insurance

    Orem is next to Provo at the base of the Wasatch Mountains. The city was settled in the mid-1800s and was named after a railroad executive. Orem remained relatively small until the construction of the Deer Creek Dam improved water supply to the city in the 1930s.

    Visitors looking to take in a live performance can go to the Ragan Theater or the Noorda Theater, both of which feature plays and musical acts. The Orem City Bandstand and the SCERA Shell also host live performances during the summer months. The city also maintains the world-class Sleepy Ridge Golf Course, which has views of the Wasatch Mountains and area wetlands.

    Ogden Auto Insurance

    Ogden was originally a trading post that experienced growth when an important rail line was built through the area. Military installations and manufacturing were important economic drivers in the middle of the 20th century. Ogden hosted a number of events for the 2002 Winter Olympic Games, including the downhill slalom and some ice events.

    Outdoor sports bring many visitors to the area, with skiing in the Ogden Valley and Pineview Reservoir. Fishing is also popular in the warmer months in those areas, and the Ogden Canyon scenic drive offers breathtaking views of the mountains and canyons. The Eccles Community Art Center hosts various exhibits throughout the year, while contemporary art is on view at the Gallery at the Station.

    St. George Auto Insurance

    St. George is in the southwest part of Utah and is close to Zion National Park. It was settled in the 1860s as an ideal location for cotton fields. Today, many residents work in the engineering, education and health care sectors.

    Many tourists come to St. George to visit Zion National Park, which includes some of the most scenic canyons in the nation and provides an ecosystem for a unique collection of plants and animals. The city also offers a number of resorts and spas as well as golf courses. Cultural attractions include the St. George Art Museum and the Daughters of Utah Pioneers Museum.

    Layton Auto Insurance

    Layton is between Ogden and Salt Lake City. It was settled in the mid-1800s and was incorporated in 1902. It is home to Hill Air Force Base, which is the Air Force s second largest base.

    Visitors can hike at Adams Canyon Trail and the Great Salt Lake Shorelands Preserve, depending on the season and conditions. Golfers may visit the Valley View Golf Course during the warmer months. The SeaQuest Interactive Aquarium, which has stingrays, alligators and reptiles, also hosts private events.

    South Jordan Auto Insurance

    South Jordan is south of Salt Lake City. The city was originally settled in the mid-1880s by Mormon pioneers. Major employers are in manufacturing, retail and professional services.

    Local attractions include the Barrick Mining Museum and the Old Deseret Village. Nearby Antelope Island State Park offers a number of outdoor activities like swimming, hiking and boating. The city also maintains a number of golf courses.

    Utah’s Insurance Fraud

    Insurance fraud in the state of Utah results in millions of dollars lost every year. The average auto insurance policyholder will have to pay premiums that are between $800 and $1,000 higher each year because of insurance fraud. The victim of insurance fraud is definitely the consumer. Examples of auto insurance fraud include the following:

    • Using a friend’s address on an insurance application because the premium rates in his or her area of town are less.
    • Participating in a staged accident.
    • Referring accident victims to a doctor or attorney for a fee.
    • When an auto body repair shop installs used or junkyard auto parts after an accident, when the insurance company is paying for new parts.
    • Issuing a bogus insurance policy.
    • Altering an insurance card of an expired policy to reflect that it is still currently in effect.
    • “Padding” a claim form with extra charges simply for the purpose of recovering the deductible.
    • Exaggerating the level of injuries experienced in an accident.

    Alcohol-Related Driving in Utah

    In any year-long period, Utah will have roughly 250 traffic fatalities. Approximately 50 of these deaths will be caused by a driver under the influence of alcohol. This is 20 percent of the people who die in fatal accidents. The blood alcohol content (BAC) limit in Utah is 0.08 percent for motorists 21 and over.

    For commercial vehicle operators, the limit is 0.04 percent, and for drivers under the age of 21, it is 0.00 percent. This translates to a zero-tolerance policy in Utah for people under the age of 21 who have any alcohol in their blood whatsoever.

    Utah’s Unusual Laws

    Each state in the nation has its own share of antiquated laws, some of which are downright amusing. Here are a few of Utah’s:

    • It is against the law to fish from horseback.
    • Causing a catastrophe is forbidden by law.
    • It is a felony to walk on cracks in the pavement of a sidewalk of a state highway.

    Driving in Utah

    Travelers driving through Utah should make sure to explore the beautiful national parks of Bryce Canyon and Zion National Parks. Zion is the oldest national park in Utah and is remarkably beautiful with its multi-shaded sandstone cliffs.

    Travelers will find curio shops and ancient native ruins along the back trails of these two national parks. Salt Lake City and the Great Salt Lake are two of Utah’s biggest attractions. Did you know that the city, “Levan,” is “navel” spelled backwards and was given this name because it is in the middle of Utah?

    Auto Insurance Center Methodology

    Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.


    Le marchГ© des actions, marché boursier. #Marché #boursier


    Informations sur le marchГ© des actions

    Quest-ce que le march des actions ?

    Le march des actions est le march sur lequel des soci t s peuvent mettre des titres afin de trouver des financements. Les investisseurs qui ach tent ces titres deviennent alors actionnaires de la soci t et per oivent donc des dividendes calcul s partir des b n fices r alis s par lentreprise gr ce ce financement et de mani re proportionnelle au nombre dactions achet es.

    Le march des actions permet donc dacqu rir des titres de toutes les soci t s cot es en bourse sur les diff rentes places financi res mondiales.

    Organisation du march des actions :

    • Le Premier march , qui regroupe les plus grandes soci t s cot es en bourse et qui est un march dit au comptant. Il est cependant possible dy payer ses titres mensuellement en adh rant au SDR. Pour y tre cot es, les entreprises doivent remplir un certain nombre de conditions dont le fait doffrir au moins 25% de leur capital au public et de publier les comptes des 3 derniers exercices. Elles doivent galement r aliser un chiffre daffaire sup rieur 75 millions deuros.
    • Le second march regroupe quant lui les entreprises de taille moyenne mais toujours tr s int ressantes. Pour y tre int gr es, les soci t s doivent mettre disposition du public plus de 10% de leur capital et publier au moins les deux derniers exercices.
    • Le nouveau march concerne cette fois les jeunes soci t s dont le potentiel est valu comme int ressant plus ou moins long terme.
    • Le march libre OTC (Over The Counter) ou litt ralement de gr gr est r git par le march Euronext Paris mais nest pas r glement . Pour y tre repr sent , il suffit une soci t de pr senter les deux derniers exercices et les statuts. Cest ici un d tenteur de titres ou actionnaire qui doit faire la demande de cotation.

    Fonctionnement du march des actions :

    Le march des actions fonctionne comme la plupart des autres march s financiers, savoir quil permet de passer des ordres dachat ou de vente de titres cot s. Dautres conditions peuvent tre indiqu es sur les ordres savoir les conditions de prix et les limites de validit .

    Le plus souvent, ce sont des organismes bancaires ou des soci t s sp cialis es dans linvestissement qui sont en charge de r colter les ordres de leurs clients et de les transmettre au syst me de cotation par voie lectronique.

    Les ordres ex cut s sur le march boursier le sont dans un sens bien pr cis. Ainsi, il peut sagir dun ordre de priorit bas sur les prix par ordre croissant ou sur le temps, par ordre chronologique.

    On distingue deux types de cotation pour les actions boursi res, savoir :

    • La cotation en continue ou CAC qui concerne les valeurs les plus importantes. Dans ce cas, la cotation est r vis e en direct et en temps r el.
    • Le fixage qui concerne les plus petites valeurs : Dans ce cas, la cotation de laction est effectu e 2 fois par jour.

    Trader sur le march des actions n cessite de passer par un produit de placement bancaire ou de sinscrire sur une plateforme de trading afin de sp culer sur le cours des titres gr ce au CFD.

    Les diff rents types dactions du march et leurs sp cificit s :

    On distingue diff rents types de titres boursiers sur le march des actions. Voici les principales actions et leurs caract ristiques sp cifiques.

    • Les actions ordinaires : Egalement appel es actions de capital , elles sont mises par une entreprise lors de sa cr ation dans le cadre dun apport en num raire, lors dune augmentation de capital galement dans le cadre dun apport en num raire et lors dune distribution dactions gratuites.
    • Les actions bon de souscription : Ces actions offrent un avantage leur d tenteur. Elles permettent en effet de souscrire plus tard dautres actions avec des avantages financiers.
    • Les actions dividende prioritaire sans droit de vote : Ces actions ont t inaugur es en 1988 et pr sentent un dividende g n ralement plus lev que les autres types daction. Cependant, leur part dans le nombre total dactions constituant le capital social dune soci t ne peut pas exc der les 25%.
    • Les actions droit de vote double : Comme leur nom lindique, ces actions offrent deux voix par tire au lieu dun seul.

    Sur les march s en ligne, vous pourrez principalement trader les actions ordinaires ou actions de capital.

    Que sont les ordres de bourse que vous pouvez passer sur le march des actions ?

    Sur le march des actions sont pass s chaque jour des ordres dachat et des ordres de vente. Ces ordres sont limit s dans le temps et sont pass s soit tout prix soit cours limit avec un prix minimum de vente ou un prix maximum dachat.

    Ces ordres de Bourse sont pass s par des investisseurs ou des metteurs et ex cut s par des membres du march . Cest un logiciel informatique complexe qui ex cute les transactions. Les stations de travail pr sentes chez les n gociateurs sont en effet reli es aux ordinateurs dEuronext ou des autres march s boursiers internationaux.

    Trader les actions en direct des marchГ©s :

    Inutile de possГ©der un compte-titres ou un autre produit de placement boursier pour profiter des fluctuations du marchГ© des actions puisque vous pouvez trader les titres de votre choix en direct avec les CFD des brokers Forex.


    Steinmetzbetrieb mit Herstellung von Kьchenarbeitsplatten aus Marmor und Granit, bad modern fliesen. #Bad #modern #fliesen


    Bad modern fliesen

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    Fliesen, Marmor, Naturstein, Verlegung und Verkauf. Firma.

    Dingolfing, , Arnstorf, Eggenfelden, Johanniskirchen, Marmor, Granit Burghausen, Mьnchen, Deggendorf,Neuцtting, Bayern, Fliesen, Marmor, Granit, Altцtting, Pfarrkirchen, Rottal-Inn, Grabsteine, Marmor Niederbayern, Deggendorf, Sanitдr, Plattling, Pocking, Straubing, B20.

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    Fliesen, Marmor, Naturstein Fliesen Marmor und fliesen, marmor, naturstein, Fliesenverlegung, Fliesenlegen, fliesenverkauf, Fliesenverkauf, natursteinverlegung, Natursteinverlegung,Naturstein Verlegung und Verkauf. Firma.

    Marmorbad Natursteinbad Granitbad

    aturstein, Naturstein-Handwerk, Stein, Granit, Marmor, Architekt, Bauherr, Information,

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    Steintechnik, Marmor, Natursteine, Treppen, Marmor, Fliesen, Fliesenverleger, Fliesenverlegung, Mьnchen, Lang, Jьrgen, CAD, CAD, CAD cad, cad, Steinmetz, Meister, Meisterbetrieb, Bayern, bavaria, stone, Bodenbelдge, Restaurator, Restauration, Arbeitsplatten, Kьchenarbeitsplatten , Granit, Haus, Hof, Busu, Baumagazin


    Rep – blica Dominicana – venta y alquiler de casas, apartamentos, villas y bienes ra – ces, venta de propiedades. #Venta #de #propiedades


    venta de propiedades

    65,000+ compradores mensuales

    ¡ Busca tu Propiedad!

    objecttype en pricetype, location

    • Caribbean VIP Investments
    • En Venta
    • Venta: US$ 108,000
    • Alquiler: US$ N/D/Mes
    • Habitaciones: 1
    • Baños: 1.0
    • Parqueos: 1
    • Construcción: 61 Mt2
    • Condición: En Construcción
    • Habitaciones: 1
    • Baños: 1.0
    • HouseLink
    • En Venta
    • Venta: US$ 174,850
    • Alquiler: US$ N/D/Mes
    • Habitaciones: 3
    • Baños: 3.5
    • Construcción: 145 Mt2
    • Solar: 170 Mt2
    • Condición: En Construcción
    • Habitaciones: 3
    • Baños: 3.5
    • Amelia Calventi
    • En Venta
    • Venta: US$ 171,500
    • Alquiler: US$ N/D/Mes
    • Habitaciones: 3
    • Baños: 3.0
    • Parqueos: 2
    • Construcción: 165 Mt2
    • Condición: Nueva
    • Habitaciones: 3
    • Baños: 3.0
    • Saramago Constructora e Inmobiliaria
    • En Venta
    • Venta: US$ 190,000
    • Alquiler: US$ N/D/Mes
    • Habitaciones: 3
    • Baños: 3.5
    • Parqueos: 2
    • Construcción: 250 Mt2
    • Condición: Segundo Uso
    • Habitaciones: 3
    • Baños: 3.5

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    • Santo Domingo
    • Bella Vista
    • Piantini
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    • Las Praderas
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    Publica tu Propiedad

    • SuperCasas.com tiene más de 65,000+ compradores mensuales. ¡Alcanza al mayor mercado de República Dominicana!
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    Venta de propiedades

    • 3 Habitaciones
    • 3.5 Baños
    • 2 Parqueos
    • 175 Mt2 Construcción
    • 175 Mt2 Solar

    Venta de propiedades

    • 3 Habitaciones
    • 3.5 Baños
    • 3 Parqueos
    • 202 Mt2 Construcción
    • 202 Mt2 Solar

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    • 3 Habitaciones
    • 3.5 Baños
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    • 3.5 Baños
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    • 280 Mt2 Solar

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    • 3 Habitaciones
    • 2.5 Baños
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    • 190 Mt2 Solar

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    • 3.5 Baños
    • 2 Parqueos
    • 185 Mt2 Construcción
    • 185 Mt2 Solar

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    • 3 Habitaciones
    • 2.5 Baños
    • 2 Parqueos
    • 138 Mt2 Construcción
    • 138 Mt2 Solar

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    • 3 Habitaciones
    • 3.5 Baños
    • 2 Parqueos
    • 118 Mt2 Construcción
    • 118 Mt2 Solar

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    • 3 Habitaciones
    • 3.5 Baños
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    • 220 Mt2 Construcción
    • Nueva Condición

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    • 2 Habitaciones
    • 120 Mt2 Construcción
    • Segundo Uso Condición

    Venta de propiedades


    An – rangbereiter Stelle – was heißt das, kreditvergleiche. #Kreditvergleiche


    An rangbereiter Stelle was heißt das?

    Es gibt wohl keine Bank, die bei der Vergabe eines Kredites nicht darauf achtet, dass dieser entsprechend abgesichert ist und dass sie ihr Geld auch dann wiederbekommen, sollte der Kreditnehmer die Zahlung der Raten aus irgendwelchen Gründen nicht mehr nachkommen. Bei Konsumentenkrediten wird in der Regel auf eine umfassende Prüfung der Sicherheiten verzichtet; hier muss lediglich das Gehalt stimmen und die Schufa sauber sein. Bei Immobilienkrediten hingegen erfolgt die Absicherung durch Eintragung des Rechts im Grundbuch, wobei selbstredend natürlich auch hier das Einkommen eine Rolle spielt, ohne das ein Immobilienerwerb gar nicht denkbar wäre.

    An welcher Stelle steht die Grundschuld im Grundbuch?

    Allerdings kommt es auch darauf an, an welcher Stelle die Bank ihr Recht eintragen lässt. Neben der erstrangigen Bestellung gibt es die Eintragung an rangbereiter Stelle. Diese ist für den Eigentümer eher von Vorteil. Denn sollte der Gläubiger auf eine erstrangige Eintragung bestehen und es ist bereits ein Recht zuvor eingetragen, kann der Gläubiger theoretisch von seinem Recht zurücktreten mit der Folge, dass im schlimmsten Fall die gesamte Finanzierung umgestellt werden muss, wenn sie überhaupt noch zustande kommt. Die Eintragung an rangbereiter Stelle heißt dann insoweit, dass das Recht an der Stelle eingetragen wird, die gerade im Grundbuch frei ist. Gerade bei Immobilienfinanzierungen, bei denen die staatseigene KfW Kredite vermittelt, sind nicht selten mehrere Rechte gleichzeitig im Grundbuch einzutragen.

    Insoweit bedeutet rangbereite Stelle nicht unbedingt auch einen Vorteil für den Kreditnehmer. Denn ein Nachrangdarlehen, so heißt ein Darlehen, das nicht erstrangig eingetragen wird, ist für den Kreditnehmer meist teurer, weil für die Bank risikoreicher. Sollte nämlich tatsächlich der Fall eintreten, dass die Immobilie einmal über eine Zwangsversteigerung notverkauft werden muss, erhält ein nachrangiger Gläubiger nach allgemeiner Erfahrung nur in den seltensten Fällen einen Betrag aus dem Versteigerungserlös. Hinzu kommt bei einem Nachrangdarlehen noch, dass es nur bis zu 20 % des Beleihungswertes der Immobilie vergeben wird.


    Tenfocasa, compra y venta de pisos en Moratalaz y Vallecas, compra de pisos. #Compra #de #pisos


    compra de pisos

    Compra de pisos

    Tenfocasa le ofrece sus 10 años de experiencia en el mercado inmobiliario de Moratalaz, Madrid, para que pueda encontrar las mejores oportunidades de inversión.

    c/ Hacienda de Pavones 9 28030 Madrid

    91 437 41 96 Fax 91 439 79 26

    A continuación puede encontrar el listado completo de inmuebles que Tenfocasa pone a su disposición, paginados de 10 en 10 para su comodidad, y ordenados por el precio, de menor a mayor. Para realizar una búsqueda de un inmueble concreto, puede utilizar el menú de la zona izquierda. Para obtener más información sobre uno de los inmuebles, pulse en el botón "Ficha Completa"

    Compra de pisos

    LOCAL MUY BIEN SITUADO, PRУXIMO A COLEGIOS A POLIDEPORTIVO, PARADA DE AUTOBЪS 30 Y 100, CON SU DISTRIBUCIУN DIБFANA DE 44M, EN BUEN ESTADO HACE ESQUINA, 3 ESCAPARATES GRANDES, 1 BAСO, ALMACЙN, SITUADO A PIE DE CALLE, PARA MAS INFORMACIУN CONTACTAR CON NOSOTROS, GRACIAS.

    Compra de pisos

    Compra de pisos

    PISO DE 3 DORMITORIOS CON TERRAZA MUY LUMINOSO CON ASCENSOR, BIEN COMUNICADO A LADO DE LA RENFE Y METRO COSLADA PARA MAS INFORMACIУN CONTACTAR CON NOSOTROS.

    Compra de pisos

    Piso con ascensor amueblado. Muy bien comunicado. a pocos minutos del metro Miguel Hernбndez, a pasos de la parada del autobъs 144.

    Compra de pisos

    Excelente local muy bien comunicado muy luminoso con un gran escaparate en todo el loca aseo y tres estanciasl.

    Compra de pisos

    Piso de cuatro dormitorios, dos cuartos de baсo, cocina con office, exterior, con ascensor en el centro de moratalaz, cercano a parques, farmacias, colegios, zonas comerciales, el piso se quedarб reformado.

    Compra de pisos

    local Muy bien situado, afluencia de gente, cerca de metro artilleros, bancos, colegios, prуximo M-30, M-40, Radial

    Compra de pisos

    Finca con casa rural, casa de tres plantas con azotea y chimenea, patio privado, con tres parcelas individuales que se venden a parte.

    Compra de pisos

    Se traspasa local en mercado, carnicerнa salchicherнa casquerнa, con obrador, con almacйn y dos cбmaras frigorнficas, el local se encuentra en la primera planta del edificio, dentro del mercado, completamente equipado, con seguridad 24 horas.

    Compra de pisos

    Conexiуn de telйfono, alta de agua, alta luz, ventanas aluminio, suelo de azulejos, cбmaras frigorнficas, cierre persianas aluminio.

    Compra de pisos

    Estupendo local totalmente exterior, muy luminoso, muy bien comunicado, cercano a comercios, parques, supermercados, colegios, etc. Lнneas de autobъs 100, 71, 142, 144, 140, 20, 30, 34, n8. Lнnea 9 del metro, estaciуn pavones.

    Compra de pisos

    casa rural, casa de tres plantas con azotea, patio privado, la vivienda dispone de una cueva, situada en un entorno rъstico tranquilo y acogedor.

    Compra de pisos

    Estupendo piso exterior muy bien comunicado. Cercano a colegios, supermercados, parques, etc.

    Compra de pisos

    Piso de tres dormitorios, salуn-comedor, cocina, cuarto de baсo, en urbanizaciуn cerrada con jardines, piscina, zonas deportivas, conserje y plaza de garaje a solo 10min de la playa.

    Compra de pisos

    Piso de tres dormitorios, cuarto de baсo, salon, cocina y terraza, con calefacciуn individual y ascensor, muy bien comunicado cercano a colegios parques y zonas comerciales, lнneas de autobъs 8, 20, 30, 32, 100 y metro lнnea 9.

    Compra de pisos

    “Piso de dos dormitorios con dos cuartos de baсo completos uno de ellos en suite, salon-comedor, cocina, terraza amplia con excelentes vistas al mar y al puerto deportivo de boiro y 2 trasteros.”

    Compra de pisos

    PISO EN VENTA DE TRES DORMITORIOS, SALУN-COMEDOR, COCINA CON OFFICE, CUARTO DE BAСO Y TERRAZA MUY BIEN COMUNICADO A POCOS METROS DEL METRO LНNEA 9, Y DE LAS PARADAS DEL AUTOBЪS 30, 32, CERCANO A PARQUES, COLEGIOS, FARMACIAS Y ZONAS COMERCIALES.

    Compra de pisos

    Compra de pisos

    Estupendo piso bajo en Arroyo de la Media Legua, totalmente exterior, muy luminoso, con 4 dormitorios y ascensor, al lado de parques infantiles y al lado de la parada del bus, lineas 8, 20, . Cercano al metro vinateros de la lнnea 9. Acceso directo a la carretera de valencia, a la m30 y a la m40. Cercano a bancos, colegios, supermercados y comercios en general.

    Compra de pisos

    Compra de pisos

    ADOSADO EN ZONA TRANQUILA Y BIEN COMUNICADA,CONSTA DE 3 DORMITORIOS MБS 1 EN LA BOHARDILLA,TRES TERRAZAS CERRADAS DOS EN DORMITORIOS Y UNA EN SALУN Y COCINA,TIENE TRES ALTURAS Y EL SУTANO

    Compra de pisos

    Cocina con tendero y sin amueblar, baсos completos, pasillo, mirador, jardнn comunitario, suelos parquet y gres, puertas de roble, ventanas climalit, calefaccion individual, armarios, puerta blindada, prуximo a centros comerciales, ambulatorio.

    Compra de pisos

    Excelente edificio muy bien situado con tres plantas mбs una de parking con 6 plazas, el edificio tiene 6 terrazas

    Compra de pisos


    US Search Desktop: Hot (64 ideas) – Yahoo Feedback, le migliori occasioni di auto usate. #Le #migliori #occasioni #di #auto #usate


    US Search Desktop

    We appreciate your feedback on how to improve Yahoo Search. This forum is for you to make product suggestions and provide thoughtful feedback. We’re always trying to improve our products and we can use the most popular feedback to make a positive change!

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    The Yahoo product feedback forum now requires a valid Yahoo ID and password to participate.

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    • Vote for an existing idea ( )
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    • Hot ideas
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    Bring back the old layout with image search

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    Past several months now, Yahoo has been blocking a server which STOPS our Email.

    Yahoo has been contacted by the server owner and yahoo has CLAIMED it would not block said server, YET it is still being blocked. CEASE & DESIST

    I can't use English languages the yahoo mail

    Please give me the suggestion about it.

    Search engine in Yahoo Finance

    A piece of content that is on Yahoo Finance does not actually appear in Yahoo search results when searching by headline/title of story.

    Is there a reason for this, or a way to reindex?

    I was trying to get help on Flickr. Why did you send me to Yahoo search help? And why can't I actually contact anybody to ask questions?

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    Search for "turkey ******" images without being warned of or -worse- shown adult content

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    Here’s my suggestion Yahoo:

    Come up with a computer program that recognizes words like ‘cancer’ or ‘turkey’ or ‘chicken’ in a sentence that includes the word ‘******’ and doesn’t automatically assume that typing “******” means I’m looking for ***********.

    Figure out a way to make people who ARE looking for *********** actively search for it themselves without assuming that the rest of us must want *********** if we type a common word – ****** – that anyone can see any day in any meat section in any supermarket in the whole **** country. 🙁

    Yahoo is so intent on catering to peoples’ prurient tastes that I can’t even search for images of a brand of “turkey breasts” without being warned of adult content? Just using the word “******” in ANY context means I’m likely to get human breasts splashed all over the page and have to be warned — and put through steps to avoid it?

    Here’s my suggestion Yahoo:

    Come up with a computer program that recognizes words like ‘cancer’ or ‘turkey’ or ‘chicken’ in a sentence that includes the word ‘******’ and doesn’t automatically assume that typing “******” means I’m looking for… more

    Why, when I log in to the YahooGroups, do all the groups come up in French?!

    When i log into YahooGroups and call up a group, suddenly everything starts coming up in French? What the heck is going on there?! for some reason, the system is automatically shifting me over to fr.groups.yahoo. Any thoughts?

    fix what's broke

    i shouldn’t have to agree with things I don’t agree with in order to tell you what I think- I have had no resolved issues since I started using yahoo- I was forced to dump my old messenger, change passwords, get new messenger, told to use my phone number to alert people which was my security code, receive messages daily about yahoo blocking usage attempts (by me) for who knows why as it doesn’t and now I get the new policy pop up at every turn- companies use to pay big money for the demographics the users provide for you at no cost as they don’t know that’s what you are doing- it’s in there but not spelled out well- and nobody can respond unless the agree to the policy- bad enough you stack the deck but then provide no option of dealing with it- the old was good enough- all these changes for the tide pod eatin mofos doesn’t cut it- I will reluctantly be actively looking- i’m tired of the changes at every turn and even those don’t work right- I can appreciate your business but the American businessman has been selling us to the highest bidder for far too long-I wish you well with your new crop of guppies- try doing something really constructive for those you serve- the tail is waggin the dog again- this is just like a replay of Washington d c-

    i shouldn’t have to agree with things I don’t agree with in order to tell you what I think- I have had no resolved issues since I started using yahoo- I was forced to dump my old messenger, change passwords, get new messenger, told to use my phone number to alert people which was my security code, receive messages daily about yahoo blocking usage attempts (by me) for who knows why as it doesn’t and now I get the new policy pop up at every turn- companies use to pay big money for the demographics the users provide for you… more


    Türkei: Auswärtiges Amt verschärft Reisehinweis – speziell für Istanbul – SPIEGEL ONLINE, reisen in die türkei. #Reisen #in #die #türkei


    Türkei: Auswärtiges Amt verschärft Reisehinweis – speziell für Istanbul

    Terrorgefahr in öffentlichen Verkehrsmitteln: Weil in der Türkei verstärkt mit Anschlägen gerechnet werden muss, mahnt das Außenministerium Reisende zur Vorsicht – speziell bei Besuchen in Istanbul.

    Reisen in die türkei

    Istanbul: Terroranschläge sind zu befürchten

    Die Bundesregierung befürchtet weitere Anschläge in der Türkei, insbesondere auch in der Metropole Istanbul. Nachdem das Auswärtige Amt bereits am Montag vor möglichen Terroranschlägen gewarnt hatte, hat es seinen Reisehinweis am Mittwoch erneut verschärft. “Darüber hinaus gibt es Hinweise auf mögliche Anschläge auf die U-Bahn und Bushaltestellen in Istanbul”, heißt es nun dort.

    Vize-Regierungssprecherin Christiane Wirtz sprach von einer “gewissen Instabilität” und der Gefahr, dass es zu einer Eskalation in der Türkei kommen könne. Laut Außenministerium besteht für Reisende in der Nähe der Grenze zu Syrien “die Gefahr von weiteren terroristischen Anschlägen und Entführungen von ausländischen Staatsangehörigen“. In zahlreichen Provinzen bestehe ein erhöhtes Risiko für Reisende. Die aktuelle Berichterstattung sollte aufmerksam verfolgt werden. Unmittelbare Auswirkungen auf Ferienregionen gebe es aber bisher nicht, heißt es beim Auswärtigen Amt.

    Hintergrund ist die Offensive der türkischen Armee gegen die radikalislamische IS-Miliz und die kurdische Arbeiterpartei PKK. Beide Organisationen haben Vergeltung angekündigt. Die Bundesregierung rief die Türkei erneut dazu auf, den Aussöhnungsprozess mit den Kurden und der PKK fortzusetzen und nicht abzubrechen.

    Ein Reiseanbieter hat bereits auf die Situation reagiert: Bei Studiosus wurden alle Reisen in den Südosten der Türkei bis Ende September wegen der riskanten Sicherheitslage abgesagt, wie das Unternehmen auf seiner Webseite mitteilte. Betroffen sind Reisen in die Provinzen Batman, Mardin, Sanliurfa, Gaziantep und Hatay. Alle anderen Regionen werden weiter bereist. “Wir verfolgen die Lageentwicklung in der gesamten Türkei sehr aufmerksam und ergreifen bei Bedarf alle für die Sicherheit unserer Gäste erforderlichen Maßnahmen”, hieß es bei Studiosus.

    Zuvor hatte das Tourismus-Ministerium in Ankara mitgeteilt, dass die Zahl der ausländischen Besucher im ersten Halbjahr um 2,25 Prozent auf 14,89 Millionen zurückgegangen sei. Neben Deutschland haben auch andere Staaten wie die USA und Großbritannien ihre Reisehinweise für die Türkei seit Beginn der türkischen Militäraktionen gegen den IS und gegen Kurden in den vergangenen Tagen verschärft.

    Ausgangssperren für Bundeswehr-Soldaten

    Auch die Sicherheitsvorkehrungen für die in der Südtürkei stationierten Bundeswehrsoldaten wurden verschärft. “Wir haben allgemein unsere Absicherungsmaßnahmen erhöht”, sagte ein Sprecher des Bundesverteidigungsministeriums in Berlin. Das sei “im Zusammenspiel” mit den türkischen Streitkräften geschehen, die ebenfalls “weitere Maßnahmen” ergriffen hätten. Als Beispiele nannte der Sprecher Ausgangssperren und eine verstärkte Sicherung der Kaserne durch türkische Kräfte.

    Es gebe jedoch derzeit “keine Anzeichen dafür, dass sich die Sicherheitslage verändert hat”, fügte der Sprecher im Hinblick auf die Bundeswehrsoldaten hinzu. Nahe der südtürkischen Stadt Kahramanmaras, etwa hundert Kilometer von der Grenze zu Syrien entfernt, sind seit rund zweieinhalb Jahren deutsche Soldaten stationiert. Sie sollen mithilfe von “Patriot”-Flugabwehrraketen den Nato-Bündnispartner Türkei vor Beschuss aus Syrien schützen.


    Principales companias que ofrecen Seguro Medico en Estados Unidos – Seguro MГ©dico Online, seguros online baratos. #Seguros #online #baratos


    Bienvenidos

    El seguro para el cuidado de la salud lo ayuda a protegerse contra los costos mГ©dicos elevados. www.SeguroMedicoOnline.com le ayudara a encontrar la mejor covertura a un mejor precio totalmente gratis.

    CompaГ‘ias De Seguros Medicos en Estados Unidos

    La AARP (anteriormente American Association of Retired Persons), es una organizaciГіn estadounidense sin ГЎnimo de lucro independiente, que atiende.

    Aetna es una empresa de los Estados Unidos que ofrece servicios de seguros. Tiene su sede en Hartford, Connecticut. Aetna es un miembro de Fortune.

    Allstate es la segunda compaГ±Г­a mГЎs grande de lГ­neas personales de seguros en los Estados Unidos (detrГЎs de State Farm ) y la mГЎs grande que.

    American Family Insurance (tambiГ©n conocido como AmFam) es una organizaciГіn privada mutua. CompaГ±Г­a que no solo se centra en la propiedad.

    American National Insurance Company es una de las principales compaГ±Г­as de seguros de AmГ©rica con sede en Galveston. La compaГ±Г­a y sus.

    Amerigroup es una empresa de seguro de salud con sede en Virginia Beach, Virginia . Es la mayor empresa que cotiza en bolsa, se centrГі.

    Anthem Blue Cross and Blue Shield es una federaciГіn de 39 organizaciones distintas de seguro de salud y empresas en el Estados Unidos .

    Assurant es una especialidad empresa de seguros con sede en Nueva York . Cuatro de las empresas Assurant ofrecen una amplia gama de productos de.

    Bankers Life and Casualty fue fundada en 1879 en Chicago , se centra en las necesidades de seguro de retiro del mercado. La empresa se encuentra.

    Celtic Insurance Company o Celtic se dedica a proporcionar las polГ­ticas de garantГ­a de calidad a sus miembros un servicio excelente. Celtic.

    Centene Corporation es la industria de atenciГіn mГ©dica administrada de Medicaid .Centene es una lГ­nea de atenciГіn de salud de varias empresas que.

    CIGNA es una empresa transnacional estadounidense dedicada al ramo de los seguros. EstГЎ formada por la fusiГіn de las aseguradoras Insurance.

    Conseco, originalmente Seguridad de la Vida de Indiana, es una organizaciГіn de servicios financieros con sede en Carmel, Indiana . Conseco ofrece.

    Coventry Health Care es una compaГ±Г­a de seguros nacionales diversificados en los Estados Unidos, con sede en Bethesda, Maryland. compaГ±Г­as de.

    EmblemHealth es una compaГ±ia de seguros de saludd que se compromete a proporcionar cobertura de salud asequible y de calidad de manera que se.

    Fortis, empresa del sector de seguros , banca y gestiГіn de inversiones. Las operaciones de la banca de Fortis incluye la red (al por menor).

    Golden Rule Insurance Company con sede en IndianГЎpolis, Indiana, EE.UU., ha ofrecido seguros a individuos y familias por mГЎs de 60 aГ±os. Ofrece un.

    Group Health Cooperative, con sede en Seattle, Washington , es un sistema de salud sin fines de lucro regida por los consumidores. Establecida en.

    Health Net es una de las compaГ±Г­as mas grandes de los Estados Unidos de AmГ©rica que cotiza en bolsas aseguradoras de salud. La compaГ±Г­a de HMO .

    HealthMarkets es una empresa, antes conocida como UICI y con sede en North Richland Hills, Texas, que proporciona seguros de vida y productos de.

    HealthSpring tiene su sede en Nashville, Tennessee , y es uno de los mГЎs grande del paГ­s y de mГЎs rГЎpido crecimiento coordinado en los planes de.

    Highmark empresa de seguro de salud con sede en Pittsburgh , Pennsylvania , Estados Unidos . Es la mayor aseguradora de salud en Pennsylvania, y.

    Humana Inc. fundada en 1961 en Louisville, Kentucky, empresa que comercializa y administra el seguro de salud con una base de clientes de mГЎs de.

    Independence Blue Cross (IBC) es una aseguradora de salud con sede en Filadelfia , Pennsylvania en los Estados Unidos . Junto con sus filiales, el.

    Kaiser Permanente organizaciГіn con sede en Oakland, California, fundado en 1945 por el industrial Henrio J. Kaiser y mГ©dico Sidney R. Garfield.

    LifeWise Health Plan of Oregon es una compaГ±Г­a de seguros con oficinas centrales en Portland y con operaciones basadas en Bend . Es parte de la.

    Medical Mutual of Ohio es una compaГ±Г­a mutua de seguros de salud, es la empresa de seguros de salud mГЎs grande y antigua con sede en Ohio.

    MEGA Life and Health Insurance tiene su sede en North Richland Hills, Texas y tiene licencia para vender planes de seguro de salud en todos los.

    Molina Healthcare es una empresa de atenciГіn mГ©dica administrada con sede en Long Beach , California , Estados Unidos . En 2009 fue clasificada.

    Mutual of Omaha es una de las empresas de Fortune 500 especializada en seguros y servicios financieros, empresa con sede en Omaha, Nebraska . La.

    Premera Blue Cross es una organizaciГіn no lucrativa de Blue Cross bienestar . Con sede en Minnetonka, Minnesota , UnitedHealth.

    Unitrin, Inc es una compaГ±Г­a de servicios financieros y de seguros, ofreciendo una amplia gama de productos de financiaciГіn al consumo y los.

    Universal American Corporation es una empresa ubicada en Fortune 500 con oficinas en todo Estados Unidos , y la sede en Rye Brook, Nueva York .

    WellCare Health Plans, Inc. NYSE : IDU iniciГі sus operaciones en 1985 y con sede en Tampa, Florida . WellCare ofrece Medicare y Medicaid de.

    WellPoint, Inc. ( NYSE : WLP ) es el plan de salud de la compaГ±Г­a mГЎs grande de la Blue Cross and Blue Shield Association . Se formГі cuando.

    Boletin sobre seguros

    Si desea recibir en su buzГіn informaciГіn actualizada de seguros, indique su email y suscribase a nuestro boletГ­n.

    Enlaces importantes

    Sobre nosotros

    SeguroMedicoOnline.com es una web guГ­a en lГ­nea sobre informaciГіn mГ©dica y de salud de calidad y servicios de salud para Hispanos parlantes que viven en Estados Unidos

    Presentando a los usuarios a recursos que son confiables y fГЎciles de entender y tambiГ©n ayudando a obtener una mejor cobertura medica al mejor precio posible.


    Priligy prix pas cher, acheter priligy dapoxetine 9 € en pharmacie, pharmaci en ligne pas cher. #Pharmaci #en #ligne #pas #cher


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    Acheter priligy generique sans ordonnance en France a prix pas cher. Commander super kamagra super p force en ligne.

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    Comparativa Seguros Automovil, Seguros, el blog de los Seguros, comparativa seguros automovil.

    #Comparativa #seguros #automovil


    Comparativa Seguros Automovil

    Se dice que cuanto más herramientas y facilidades ofrece Internet sobre servicios y productos que facilitan la vida, más se la recomienda como medio de pago o de uso para compra de servicios, las vacaciones o billetes de avión o el pago de tarjeta por Internet. En el caso de los comparadores de coches o la actividad comparativa de Seguros de Automóvil, cada vez suma más adeptos a esta herramienta y de compañías que se suman a ellos dada las facilidades que otorga para ambas partes.

    Un alto porcentaje de los usuarios que utilizan Internet para comparar precios del seguro de coche, tras esto un bajo nivel señala que finalizaría la contratación por medio de dicho sistema; otros optan por la llamada telefónica o deciden visitar la oficina comercial para completar la contratación de su seguro de coche tal vez por desconfianza y estar acostumbrados a tratar en persona con un empleado.

    No obstante existe un alto potencial de crecimiento en contrataciones de seguros de coches por Internet dado que cada vez más los comparadores de seguros se especializan y incluyen más herramientas para una mejor comparación.

    A la hora de buscar un seguro, las búsquedas directas en diferentes compañías aseguradoras es una de las formas más elegida, y todavía es bajo el porcentaje de usuarios que utilizan los comparadores de seguros especiales de seguros on line de lo que realmente puede crecer se espera que 2012 sea el año de despegue de varios comparadores de seguros en cuanto a aceptación de parte de los que buscan contratar un seguro de coche barato pero completo.

    Comparativa de Seguros de Coche:

    El comparar seguros de coche hoy se lo puede hacer con las mejores compañías aseguradoras de coches que han ido sumándose a lanzar comparadores y demás plataformas en Internet para facilitar la contratación de seguros de coches siendo fácil de hacer, directo al no tener demasiados pasos y gratis no cobran nada por utilizar sus plataformas.

    Ahora si desean además ahorrar en el seguro de automóvil pueden tomar los siguientes consejos:

    Elegir solamente las coberturas del seguro de auto que realmente precisen y no contratar coberturas innecesarias.

    También ayuda si tienen un coche cuyo modelo no sea potente con ello y por sus características resultara un seguro barato de coche.

    Calcular diferentes precios de seguros de autos con lo que conseguir varios presupuestos de las compañías de seguros.

    Tipos de Póliza de Auto:

    Los diferentes tipos de modalidades del seguro de coche son las siguientes:

    Seguro de coche a terceros

    Seguro de automóvil a terceros ampliado

    Seguros de coche a todo riesgo

    Seguros de auto a todo riesgo con franquicia

    Seguros de automóvil a todo riesgo sin franquicia

    Los diferentes tipos de seguros que existe en el mercado son:

    Seguro coche para mujeres

    Seguros coche para jóvenes

    Seguro coches tuneados

    Seguro de automóvil para buenos conductores


    Auto und Fahrzeug Rechner, wert auto berechnen.

    #Wert #auto #berechnen


    Auto und Fahrzeug Rechner

    Bevor man mit Tabellen und einem Rechner berechnen kann wie viel das eigene Auto oder sonst ein Fahrzeugwert ist, muss ist natürlich untersucht werden. Wonach bei vielen Inspektionen geschaut wird, sind z.B. alte Unfallschäden oder sonstige Beschädigungen, die gefährlich für die Sicherheit werden können.

    Wert auto berechnenDiese Schäden sind längst nicht immer so einfach zu finden. Denn Sie entstehen nicht nur durch Unfälle, sondern auch durch die täglichen Belastungen im Alltag. Ein wichtiger Hinweis, welchen Belastungen ein Fahrzeug ausgesetzt war, ist der Kilometerstand. Je mehr man mit einem Auto gefahren ist, desto mehr wurde z.B. auch der Motor beansprucht und hat sich auch dementsprechend abgenutzt. Natürlich kann man einen Motor mit Öl, regelmäßigen Wartungen und guter Pflege, dafür sorgen dass ich einen Motor auch bei hohen Belastungen gut hält. Dies ist aber nicht immer der Fall. Deshalb ist auch der Wert eines Fahrzeuges mit den gefahrenen Kilometern. Wer den Wert seines Fahrzeugs ermitteln möchte, sollte nicht versuchen das mit einem Online Rechner zu berechnen.

    Das ist zwar meist kostenlos aber nicht besonders aussagekräftig weil man hier kaum den Schadensstand eingeben kann. Auch kleine Rost Flecken am Fahrzeugboden oder Dellen im Blech, machen sich beim Wert des Fahrzeugs deutlich bemerkbar. Um also einen realistischen Wert für sein Auto zu bekommen, sollte man es in einer Werkstatt untersuchen lassen. Fachleute überprüfen dann hier, welche Mängel das Fahrzeug hat und welche Wert vom Fahrzeug bleibt. Einen Rechner verwendet man dabei nur selten für die Wertermittlung. Bestenfalls wird ein Taschenrechner verwendet, um die anstehenden Reparaturkosten auszurechnen.

    Diese müssen vom Wert des Fahrzeugs abgezogen werden, damit man den aktuellen Wert seines Autos erhält. Als Verkäufer muss man immer damit rechnen, dass gewerbliche Händler natürlich weniger für das Fahrzeug bezahlen möchten, als es tatsächlich wert ist. Denn letztendlich kann auch ein Händler das Fahrzeug nur zu einem bestimmten Preis verkaufen und möchte dabei nicht auf seine Gewinne verzichten. Der Verkauf an private Personen ist viel aufwendiger und braucht natürlich auch viel mehr Zeit. Deshalb verkaufen viele ihr Auto trotzdem an gewerbliche Händler, damit sie schneller zu Ihrem Geld kommen und sich die Mühe für den privaten Verkauf sparen können. Tipps und neuste Modelle von Fahrzeugen und PKW, in den Auto Zeitschriften.


    Home – Boswell Insurance Agency, auto insurance shreveport la.

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    Our office offers coverage thru GuideOne Insurance, who is the leader in Church property casualty insurance coverage. We can insure all of your church needs including property liability, vans, buses, workers comp., day care, umbrella , and directors and officers Insurance. Call our office for more information.

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  • ATENCIÓN – Aula PT, atencion.

    #Atencion



    ATENCIÓN

    Atencion

    Atencion

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

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

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

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

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

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

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

    Actividades para potenciar y estimular la atención:

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

    Asociación Visual

    Atencion

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

    INTENTA MEJORAR TU PROPIO TIEMPO.

    JUEGOS DE MEMORIA.

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

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

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

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

    Percepción de diferencias

    Atencion

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

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

    – Visión general de la ilustración.

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

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

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

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



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

    #Medical #billing #courses #online



    The Cutting Edge of Medicine Medical Billing and Coding!

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

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

    Featured online schools offering degrees/ certificates:

    Browse Schools that offer online Billing/Coding

    Browse Schools that offer online Billing/Coding

    article continued from above.

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

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

    Get Educated

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

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

    Get Paid

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



    Haus mieten Bremen von, provisionsfrei mieten.

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    Car Insurance & Auto Insurance from Nationwide, insurance auto insurance quote.

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    6 reasons to choose Nationwide for car insurance

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

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

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

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

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

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

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

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  • Kalender: Das Online-Portal für Durlach, Die schönsten Seiten von Durlach, Aue und Bergwald, Neuigkeiten und Termine aus Durlach, Bürger, Vereine und Firmen, Veranstaltungen im „Durlacher Kalender“, Unternehmen im Branchenverze, baden württembergische versicherung.

    #Baden #württembergische #versicherung



    Durlacher Kalender – Monatsansicht

    Hier finden Sie Termine (auch Sammeltermine) und Veranstaltungen in Durlach, Aue und Bergwald, sowie die Ferien und Feiertage in Baden. Der Kalender von Durlacher.de wird in Zusammenarbeit mit der Arbeitsgemeinschaft Durlacher und Auer Vereine e.V. realisiert.

    Neujahrsschwimmen der DLRG

    DJK Durlach – Clubhaus

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    Öffentl. Vorstellung: Abbruch von Treppenanlage..

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    Fit-in FitnessClub, An der Raumfabrik 32

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    Kinder- und Jugendhaus Durlach

    Seniorensitzung KaGe Blau-Weiss/VdK

    St. Peter und Paul (kath.)

    form vs. function (Vernissage)

    Kunstverein Letschebach, Blumentorstr. 12

    Field Commander C. – The Songs of Leonard Cohen

    Fit-in FitnessClub, An der Raumfabrik 32

    Konzert „Meister der Orgel“

    Stadtkirche Durlach (ev.)

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    Montar un negocio rentable en un pueblo, como poner un negocio rentable.

    #Como #poner #un #negocio #rentable



    Crear mi Empresa

    Como poner un negocio rentable

    Como poner un negocio rentable

    Montar un negocio rentable no tiene que estar reservado a las grandes ciudades. Un pueblo o las zonas de menor población también pueden ser buenos lugares para empezar una empresa. Después de que una lectora nos preguntará sobre las posibles ideas para ciudades pequeñas, vamos a presentar algunos consejos.

    1º- Negocios orientados a las necesidades del mercado local

    a- Buscar necesidades no cubiertas

    La ventaja del pueblo respecto a la gran ciudad es que suele haber menos competencia, con el inconveniente de que también hay menos mercado. Por lo tanto es muy importante estudiar muy bien las necesidades no cubiertas localmente.

    Probablemente sería un error letal querer competir con la única tienda de alimentación del pueblo que lleva 20 años satisfaciendo a sus clientes. Además de no tener mercado para dos tiendas, los clientes de ciudades pequeñas suelen ser más fieles y la nueva tienda tendría todas las de perder.

    Estudia la oferta de tiendas y servicios disponibles en el pueblo. Pregúntate que puede faltar. Es posible que los habitantes tengan que coger el coche para comprar algunas cosas muy habituales, y que apreciarían poder disfrutar de ellas localmente. Es un ejercicio complicado, porque seguramente faltarán muchos servicios, pero para muchos de ellos los clientes preferirán irse a la ciudad, o el número de habitantes no sería suficiente para ser rentable. Hace falta estudiar las cosas rigurosamente.

    Otra forma de encontrar ideas es estudiando al perfil de los habitantes. ¿Son personas que trabajan en la ciudad y solo residen en el pueblo? ¿Son agricultores? ¿Son trabajadores de una industria local? Si te interesas por las personas que viven en el pueblo podrás descubrir más fácilmente que tipo de servicios les podría venir bien y constituir un negocio rentable.

    Quizás necesiten un servicio de cuidado / paseo de perros. O de cuidado de niños. O si muchos trabajan en una misma empresa, se podría ofrecer la posibilidad de organizar eventos en asociación con la empresa. Se puede pensar en un servicio de transporte privado si el público es insuficiente. O crear una oferta de ocio con organización de juegos tipo “Paintball” o asimilados. Puede que falte algún comercio. O algún servicio a pequeñas empresas.

    b- Apostar por el orgullo local

    Normalmente, las personas son muy orgullosas del pueblo donde viven, y más si nacieron allí. Una buena opción de negocio es apostar por este orgullo. Puede ser con ropa o joyería inspirada en la cultura local, o directamente haciendo objetos personalizados con el nombre del pueblo o sus distintivos más importantes.

    2º- Turismo y mercado de clientes de paso

    c- Especialidades locales

    La idea anterior (ropa y joyería identitaria) puede ser aplicada a turistas. En este caso, si el pueblo disfruta de las visitas de clientes de fuera, se puede ampliar el concepto a todo tipo de especialidades locales, empezando por artesanías y comida.

    d- La vuelta al pueblo de cada verano

    En España es muy habitual que las familias originarias de un pueblo vuelvan a pasar las vacaciones en él cada verano, a veces incluso cuando los niños nacieron en otro lugar. Este regreso anual puede ser aprovechado para hacer negocios temporales, aprovechando el aumento de clientes potenciales. También es buen momento para vender los productos “de la tierra” que los visitantes se llevarán con orgullo para casa.

    e- Productos y servicios para turistas

    El turismo puede ser una fuente importante de beneficios. Hay que ser imaginativo. Si tienes talentos de fotografía puedes sacar tus propias fotos de los lugares más interesantes de la zona y venderles en una tienda, o comercializarlas en todas las tiendas de souvenirs de los alrededores.

    Si la zona no es especialmente turística, se pueden inventar nuevos atractivos para atraer visitantes. Por ejemplo, si en el pueblo hay una industria específica, se puede pensar en organizar visitas guiadas para explicar como se fabrica tal o tal cosa, y al final de la misma vender algún recuerdo. Evidentemente, si se trata de una fábrica de mazapán es más fácil que si se fabrican muebles, incluso en una fábrica de muebles hay cosas interesantes que ver. Dejo como prueba el interés de los televidentes por los documentales.

    f- Turismo rural

    Es difícil de hablar de negocios en un pueblo sin pensar en el turismo rural, un sector que ha crecido muchísimo en los últimos años. Sin embargo, este crecimiento ha sido superior a la demanda, por lo que antes de meterse en una inversión importante, es fundamental estudiar correctamente la oferta existente, y ofrecer un servicio muy competitivo.

    El turismo rural no se limita al alojamiento o a la restauración. Se pueden organizar todo tipo de eventos para hacer de las vacaciones de los visitantes un momento diferente. Lo comentamos hace muchos meses con el concepto de la granja lúdica, pero hay muchas más ideas que imaginar. Una buena pista es trabajar con los dueños de alojamientos para organizar tours o actividades para sus huéspedes: paseos a caballo, en buggy, en barca, senderismo cultural o gastronómico, las posibilidades son numerosas.

    g- Grandes instalaciones

    Si dispones de un presupuesto más alto o de una finca que lo permita, una posible idea de negocio es transformar esta casa en algún centro. Una opción es apostar por crear un campamento de verano para los chavales, ya que muchas personas con hijos trabajan gran parte del verano y no pueden cuidar de sus hijos. Otra opción es crear una residencia para ancianos. Si el lugar es tranquilo y agradable, y se ofrece un buen servicio, podría ser una buena idea.

    3º- Internet, el mercado es el continente.

    h- De nuevo las especialidades:

    Echa un vistazo a lo que se produce en tu zona. A lo mejor existe alguna deliciosa especialidad que apreciarían personas de otras regiones e incluso de otros países. ¿Por qué no apostar por ella? Basta con ponerse de acuerdo con un productor local y empezar a distribuir por España y por Europa gracias a la web. O incluso puede ser una fabricación propia. Y quien dice dulces dice ropa, artesanía, lo que sea que pueda tener mercado en otros lugares.

    i- Internet no entiende de pueblos y ciudades grandes

    Ya siendo más generales, estando en un pueblo pequeño o en la capital del país, muchos negocios se pueden desarrollar igual por Internet. ¿Igual? No. Realmente desde un pueblo se pueden aprovechar muchas ventajas: un alquiler es mucho más barato, los sueldos también. Y como muchas cosas se pueden externalizar con profesionales a distancia, los inconvenientes son menores. Puedes dedicarte a un blog, o abrir una tienda online, o inventar la nueva web que dejará a Facebook como una antigüedad. Aunque en algún momento será necesario desplazarse físicamente a la gran ciudad.

    Si quieres vender tus creaciones o manualidades, tienes muchas plataformas para hacerlo, aunque te recomiendo Etsy.com.

    4º- Estar pendiente de las novedades

    Si estas decidido a emprender, tienes que hacer un poco de vigilancia tecnológica. No es algo reservado a las grandes empresas punteras. Vale también para las pequeñas ideas de negocio. Leer artículos en blogs como este ayuda, pero hay muchas más formas de enterarse de nuevos conceptos. Por ejemplo, puede ponerte una alerta en Google Noticias con una selección de palabras que te interesen: “nuevo concepto de zapatería”, por decir algo. Entonces recibirás en tu correo noticias relacionadas, que quizás te den nuevas ideas. Incluso en la televisión, en programas tan poco tecnológicos como España Directo (y equivalentes locales), puedes ver iniciativas que funcionan.

    Todo puede ser una buena fuente de inspiración para un negocio. Lo importante es encontrar algo con el mercado suficiente, y luego tener los conocimientos y las ganas de hacerlo funcionar. Porque como decía Steve Jobs: La única forma de hacer un gran trabajo es amar lo que lo que haces. Si todavía no lo has encontrado, sigue buscando. No te rindas. Como para todas las cosas del corazón, sabrás cuando lo hayas encontrado.

    Antes de lanzar tu proyecto, no olvides elaborar tu plan de empresa.

    Ganar dinero con negocios 2.0 entre particulares

    Como poner un negocio rentable Suscríbete a nuestro RSS o Abónate a nuestro boletín Como poner un negocio rentable



    Car Insurance Rates Mobile Form, free auto insurance quotes online.

    #Free #auto #insurance #quotes #online



    Car Insurance On-The-Go

    Comparing car insurance rates online is easier than ever with our handy new mobile app. You can still get the same benefit you get from the normal version of our site by entering your ZIP code above, which will allow you to compare specialized offers from major national insurance providers and local agents in your area. Gone are the days when you had to call one carrier after another – CarInsuranceRates.com has done all the heavy lifting for you! Just enter your ZIP code in the box above to see what our participating providers have in store for you.

    Expert Insurance Guides

    Need help picking the right options? Not sure what the various industry terms mean? We’ve got your back! CarInsuranceRates.com is chalk-full of helpful guides, useful tips, and article after article of informative information, complete with charts, checklists, and case study to help you make the best decision when selecting your policy type or end-provider.

    State-by-State Requirements

    Locality is one of the top factors that will influence what you can or can’t do with your car insurance policy. Laws, rules, and regulations changes all the time, and it’s our mission to try and keep you as up-to-date with pertinent information so you can make the right choice when selecting you coverage levels or provider.

    Ask a Question, Get an Answer

    Still need help getting to the bottom of your insurance situation? We have an easy-to-use library of questions-and-answers from current clients, with a wide range of solutions that even shocks us on occasion. No matter how obscure your query seems to be, don’t fret – we can help point you in the right direction of the information you need.

    Visit the Full Site

    Is our mobile display just not doing it for you? We have the fully-loaded, live version of our site standing by. Just click the link below to view the site as though you were on a desktop machine.

    800 Fifth Avenue, Suite 4100, Seattle, WA 98104



    Get the Best Car Insurance Rate, car insurance estimates.

    #Car #insurance #estimates



    Get the best car insurance rate

    Car insurance estimates

    When you compare the price of car insurance, it’s important to explore every option so that you’ll get the coverage you need at a price you can afford.

    Here are nine tips for getting the best car insurance deals.

    1. Shop around

    Get a quote from at least three reputable insurance companies so you can compare prices and coverage. Rates will vary from one company to another, and the lowest priced insurance may not give you all the coverage you need. Look at price, amount of coverage, benefits and claims services before you make your decision.

    2. Adjust your insurance policy

    If a company quotes their best car insurance price and it’s slightly outside your range, you may lower it by making small changes. A higher deductible on your vehicle, for example, may lower your rate. Keep in mind though, that if you were to file a claim, your out-of-pocket expenses could increase.

    While you’re tweaking your policy, also consider your coverage limits. You may be paying for more coverage than your state requires. Make sure you have the coverage you want, based on your needs.

    3. Discount your way to the best auto insurance price

    Car insurance discounts lower prices significantly. Remaining accident-free, having an anti-theft device on your vehicle or your teen driver’s good grades could also cut costs.

    You may also be eligible for an affinity discount if you’re a member of a fraternity, sorority, alumni association, credit union, sports group, or professional organization that has partnered with Nationwide.

    4. Combine insurance policies

    You may save on your auto insurance policy when you insure more than one vehicle. Or by combining your auto insurance policy with other insurance policies, such as homeowners insurance or life insurance you could save by bundling rather than having individual policies.

    5. Maintain a good credit rating

    Most insurers will figure in the strength of your credit rating when determining the price of your policy. A higher credit score could mean lower rates, so take care to maintain a good rating.

    6. Drive carefully

    It’s really that simple. If you have at least five years of driving experience and no accidents over the past five years, you may qualify for a safe-driver discount. And with Accident Forgiveness, we won’t raise your auto insurance rates following the first at-fault car accident.

    7. Consider car safety features and defensive driving class

    You could save money on your car insurance rate if your vehicle is equipped with an anti-theft device, full front-seat airbags or restraint devices that work automatically when your door closes. You may get a defensive driver discount, too, when you successfully complete a motor vehicle accident prevention course approved by your state’s Department of Motor Vehicles.

    8. Go paperless

    Did you know that Nationwide has several easy ways to automatically pay your insurance bill on a recurring basis? That means you’ll save on postage stamps, help eliminate piles of paperwork, be kind to the environment and avoid late fees. Some policyholders can even get discounts just for signing up for paperless documents.

    9. Ask for a regular review of your auto insurance policy

    Make sure your policy keeps pace with your life. And you get the discounts you deserve. We recommend you take advantage of a free On Your Side ® Review every year, or whenever you’ve had a change in your life.

    Ready to get an insurance quote?

    Start your search for the best auto insurance rates by getting an online car insurance quote from Nationwide.

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



    Health Care Reform: What it Means for Small Business, NC Justice Center, north carolina small business health insurance.

    #North #carolina #small #business #health #insurance



    Health Care Reform: What it Means for Small Business

    Health Care Reform: What it Means for Small Business

    Health reform will provide some immediate benefits to small businesses in North Carolina such as substantial

    tax credits to help offset the cost of providing insurance. Many other important protections will phase in

    over the next four years.

    Beginning this year small businesses with fewer than 25 full-time employees are eligible for tax credits of up

    to 35 percent of the employer’s insurance premium contributions. To be eligible the employer must

    contribute at least 50 percent of the total premium for employee health coverage and have average wages

    of less than $50,000 per year.

    As an example, let’s take an employer with 9 full-time equivalent employees that pays average annual

    wages of $23,000. If the employer pays $72,000 in health care premiums then the business would qualify

    for a 2010 tax credit of $25,200. In 2014 the tax credit will increase to 50 percent of the employer’s

    insurance premium contributions. In our example that’s $36,000 in credits.

    The tax credit offsets an employer’s actual income tax liability or alternative minimum tax liability for the

    year, which means that businesses with no taxable income generally can’t claim the credit. Businesses can

    carry the credit forward for 20 years to help cover future tax liabilities. Businesses will claim the credit on

    their annual income tax return.

    Nonprofits are also eligible for tax credits, although the credit covers 25 percent of the employer’s premium expenses

    instead of the 35 percent available to small businesses. For tax-exempt organizations the credit is refundable and

    available even though the organization does not have taxable income. The credit available to nonprofits also can’t

    exceed the amount of income and Medicare taxes the employer withholds from wages each year.

    By 2014 North Carolina must set up a health insurance exchange that is available to individuals and small businesses

    with 100 or fewer employees.

    What is a health insurance exchange?

    • An exchange is an insurance clearinghouse established by the state. An exchange allows individuals and small businesses to band together and purchase insurance as a single pool. This will make insurance premiums more affordable – especially for businesses with older employees.
    • The exchange will also impose important protections for individuals and small businesses. Reform will prohibit varying premiums by medical history or gender. It will also limit how much premiums can vary according to age.

  • North Carolina must establish an exchange by 2014, but federal grants are available if the state wants to create a clearinghouse earlier. The state is allowed to operate a single exchange or two exchanges – one for small business and one for individuals. Creating a single exchange would provide a larger purchasing pool and lead to better rates for consumers. After 2017, North Carolina can elect to allow employers with more than 100 employees to purchase coverage

    through the state’s insurance exchange.

  • Beginning in 2014 businesses with more than 50 employees will be required to offer health insurance. Employers with

    more than 50 full-time workers that do not offer insurance will pay a fine of $2,000 for each full-time employee. The

    first 30 employees are exempt from the penalty.

  • Companies that offer insurance are expected to subsidize a portion of the premium cost for employees.

    If an employee is required to pay more than 8 percent of his or her income for a company health insurance policy,

    then the employee can decline the company’s insurance plan and instead buy coverage through the state exchange.

    The employee is allowed to take the company’s insurance premium subsidy in the form of a voucher to help buy

    coverage in the exchange. If a company insurance plan costs more than 9.5 percent of an employee’s income then

    the employee can purchase insurance through the state exchange and receive federal subsidies. The company must

    then contribute $3,000 to help fund the federal subsidy provided to the employee.