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

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

What is Income Protection Insurance?

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

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

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

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

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

I am Self Employed, can I Protect my Income?

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

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

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

I work Part Time, can I Protect my Income?

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

I am Unemployed, can I Protect my Income?

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

How Much Income Protection Insurance do I Need?

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

What is Index Linked Income Protection Insurance?

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

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

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

Latest Income Protection Insurance Articles

Easy Ways To Protect Your Income

published on the 19th June 2015 by Kathryn Knowles

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

Income Protection Insurance for the Short and Long Term

published on the 10th March 2015 by Kathryn Knowles

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

Why Choose Cura Financial Services Ltd for Your Income Protection Insurance

The benefits of using Cura Financial Services Ltd are?

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

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

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

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Copyright 2005-2018 Top Quote Online is a trading style of Cura Financial Services Ltd for internet purposes only. Cura Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

Income protection insurance quote online

Income protection insurance quote online


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Example (Comprehensive): You park your car outside during a major hailstorm, and it’s totaled. Add comprehensive and we’ll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop and cause $2,000 worth of damage to your vehicle. Add collision and we’ll then pay for your repairs (minus your deductible amount).

Uninsured/underinsured motorist

Covers your injuries and damages

These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.

Example: Another driver runs a red light and hits you. They’re at fault and don’t have insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.

Medical payments

Covers your injuries

Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.

Example: Your newly-licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us and we’ll simply pay the bill (up to your limit). No deductible applies.

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Helps pay off your loan when your car is totaled

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

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

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Not all insurance companies offer that. We can. If something happens to your car, we’ll guarantee all repairs managed in our Service Centers and trusted network shops (shops we partner with) for as long as you own or lease your car.

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  • Assegno di cura 2017 della Regione Puglia: scadenza 6 ottobre 2017, invio online di domande di prestazioni a sostegno del reddito.

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    Assegno di cura 2017 della Regione Puglia

    Le domande dellassegno di cura possono essere presentate fino al 6 ottobre 2017 ore 12:00

    Assegno di cura 2017 della Regione Puglia

    Dal primo settembre 2017 è possibile presentare alla Regione Puglia la domanda per lassegno di cura per le persone con gravissima non autosufficienza.

    Dal primo settembre 2017 dalle ore 12:00 e sino al 6 ottobre sempre ore 12:00 è possibile presentare la domanda telematica alla Regione Puglia per ricevere un beneficio economico denominato assegno di cura.

    Limporto del beneficio corrisponde a euro 1000,00 per una mensilità intera e in euro 12000,00 per lannualità intera. Tale importo viene erogato dalla Asl di riferimento con cadenza bimestrale, successivamente dopo lapprovazione della ASL dellistanza telematica presentata sul sito di sistema puglia.

    Chi sono i beneficiari?

    Possono presentare la domanda di assegno di cura le persone in condizioni di gravissima disabilità e non autosufficienza residenti nella Regione Puglia almeno a partire dal primo gennaio 2017 che si trovano alla data della presentazione della domanda alle seguente condizioni:

    • beneficiari di indennità di accompagnamento (legge 18/1980);
    • Cittadini di età compresa tra 18 e 65 anni con diritto allindennità di accompagnamento (L. 508/88, art. 1, comma 2, lettera b);
    • Minori di età con diritto allindennità di accompagnamento (L. 508/88, art. 1);
    • Cittadini ultrasessantacinquenni con diritto allindennità di accompagnamento (L. 508/88, art. 1, comma 2, lettera b);
    • Ciechi civili assoluti (L. 382/70 L. 508/88 L. 138/2001);
    • Inabili con diritto allassegno per lassistenza personale e continuativa;
    • Invalidi sul lavoro con diritto allassegno per lassistenza personale e continuativa (DPR 1124/65 art. 66) Invalidi sul lavoro con menomazioni dellintegrità psicofisica di cui alla L.296/2006, art 1, comma 782, punto 4;
    • Invalidi con diritto allassegno di superinvalidità (Tabella E allegata al DPR 834/81);
    • trovarsi in una delle condizioni di non autosufficienza gravissima specificati nella seguente tabella:

    Tabella assegno di cura

    Nel caso la condizione di non autosufficienza non si è ancora definita, è possibile comunque presentare la domanda ed accedere al beneficio, però in presenza di una diagnosi rilasciata nel primo semestre 2017 da parte una struttura ospedaliera.

    La valutazione della gravissima non autosufficienza sarà valutata dalle unità di valutazione multidimensionale di ciascun distretto socio sanitario della Asl. Per i pazienti che alla data presentazione della domanda si trovino in condizione di ricovero temporaneo presso strutture ospedaliere, sanitarie extraospedaliere o strutture socio-sanitarie, possono presentare la domanda di assegno di cura solo se è prevista la dimissione entro 30 giorni dalla data di presentazione domanda.

    Dopo aver approvato la domanda, la Asl eroga gli importi calcolati dal 14 luglio 2017 fino allultima mensilità già maturata.

    Come si presenta listanza online dellassegno di cura?

    Prima di presentare la domanda è importante aver certificato la propria posizione economica con il modello Isee ed avere sottomano:

    • i dati del referente dellanziano (carta didentità codice fiscale numero di telefono indirizzo e-mail;)
    • i dati del beneficiario (anziano) e di tutti i suoi componenti presenti allinterno dello stato di famiglia;
    • lattestazione Isee con i dati del protocollo, Data Rilascio Attestazione, Codice Fiscale Dichiarante;
    • codice Iban della banca o della posta del beneficiario;
    • la documentazione che attesti la gravissima non autosufficienza nel caso di anziano senza indennità di accompagnamento.

    Per presentare la domanda è necessario compilare sulla piattaforma dedicata il format allegato al presente avviso pubblico. Nella domanda non bisogna allegare nessuna documentazione relativa al soggetto beneficiario salvo eventuali diagnosi specialistiche che attestino la gravissima non autosufficienza.

    Come inviare la domanda

    Vediamo insieme come presentare la domanda telematica dellAssegno di cura della Regione Puglia. Clicca sul seguente link ed entra nella piattaforma di sistema puglia. Se non sei registrato sul sito sistema Puglia clicca in alto a destra su Registrazione.

    Completa i dati della registrazione e controlla il Tuo indirizzo email per la conferma della registrazione. Dopo esserTi registrato correttamente vai alla sezione Assegno di cura 2017 del seguente link ed inserisci nellArea riservata Username e password. In seguito nel menu a sinistra in Procedura Telematica clicca su Assegno di Cura.

    Nel rettangolo Codice fiscale Referente inserisci il codice fiscale del referente del beneficiario.

    Compila tutti i dati anagrafici del referente della Famiglia e clicca su Inserisci. Dopo qualche minuto riceverai sulla Tua email il codice famiglia per accedere al proprio Nucleo familiare.

    Dopo aver compilato tutte le informazioni del nucleo familiare, clicca su Crea domande di Accesso ad un avviso pubblico ed inserisci tutti i dati dellistanza online per richiedere lassegno di cura. Alla fine della procedura clicca su Autorizzo al trattamento dei dati personali ai sensi del D. Lgs.196/2003, convalida la domanda e stampala.

    Sarai contattato dalla Asl di riferimento per consegnare la domanda firmata ed i documenti che attestano i requisiti per beneficiare dellassegno di cura della Regione Puglia.

    Per qualsiasi consulenza personalizzata sullassegno di cura, puoi accedere alla nostra sezione consulenza online.

    Hai trovato utile il nostro articolo? Hai chiarito qualche dubbio in merito ad un argomento? Effettua una Donazione ed aiutarai il nostro Team ad aggiornarti sempre con le ultime Novità


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    • Electrical Engineering and Electronics
    • Engineering – Architectural
    • Engineering Mechanics
    • Engineering Physics
    • Environmental Engineering
    • Forest Engineering
    • Geological Engineering
    • Industrial Engineering
    • Manufacturing Engineering
    • Materials Engineering
    • Math
    • Mechanical Engineering
    • Metallurgical Engineering
    • Mining Engineering
    • Naval Architecture and Marine Engineering
    • Nuclear Engineering
    • Ocean Engineering
    • Petroleum Engineering
    • Plastics Engineering
    • Surveying
    • Systems Engineering
    • Textile Technologies

    Land Surveying Degree

    The majority of an associate degree program in land surveying is spent outdoors. Although students do learn about mapping theory and science in the classroom, they gain their hands-on experience putting mapping techniques to actual use on land. They learn first-hand how to do field surveying, read construction layouts, collect data, measure distances and record the contours of the surfaces of the earth. The courses in an associate degree program in land surveying are designed to provide students with the technical savvy necessary to analyze a land formation and create a subsequent map. Class work is divided between seminars and field time, and generally covers the topics below:

    • Basic surveying
    • Precalculus
    • Plan surveying
    • Legal aspects of land surveying
    • Engineering graphics

    Employment Outlook and Salary Info

    Surveyors held 44,300 jobs in the United States in 2014, according to the U.S. Bureau of Labor Statistics. The rate of job growth for surveyors is expected to decline at a rate of -2% between 2014 and 2024. In 2015, the median annual wages for surveyors were $58,020.

    Continuing Education

    All 50 states in the U.S. require land surveyors gain licensure before practicing in the field, but each state has its own particular requirements for licensure. Most require individuals pass a written examination given by the National Council of Examiners for Engineering and Surveying (NCEES). The next step is typically to work under the supervision of a licensed surveyor or surveyor team for another four years, before taking another exam and eventually facing a state licensing board.

    Degrees in land surveying will cover courses in areas like engineering graphics and plan surveying. Licensure will be required for employment, which might include passing an exam and experience in the field.


    Email Marketing Software Personalized HTML Mass Mailing Software Mail Merge Email List Marketing Mailing List Software Direct Email Marketing

    #mass #mailer #online


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    Email Marketing Software. Mail Merge. Mass Mailing Software. Email List Marketing. Mailing List Software. Direct Email Marketing

    Sending Highly Personalized HTML Email Newsletters

    Fast, Flexible, Easy-to-use Email Marketing Software

    Mass mailing, HTML email newsletter delivery, and bulk email marketing campaigns – You can accomplish these tasks with ease.

    e-Campaign email marketing software is an efficient group email and email marketing tool for companies, e-zine publishers and professionals, as well as individuals, to communicate with their customers, subscribers, and other email contacts effectively.

    With e-Campaign mass mailing software you can design rich HTML emails, newsletters, and e-zines easily, and deliver personalized email messages to your customer base and mailing lists.

    Send personalized email newsletter in rich text to your mailing lists.

    Supported Platforms:
    10 / 8 / 7 / Vista / XP / 2012/2008/2003

    Key Featuresof e-Campaign Email Marketing Software

    Personalized bulk emails. Sends personalized HTML emails to different recipients (mail merge )
    Database connectivity. Supports popular databases: Access/Excel (both 32-bit and 64-bit), SQL Server, MySQL, Oracle, and more
    Email Tracking. Tracks email opens and unsubscribe link clicks via web service *

    SMTP. Supports standard SMTP Servers, as well as SSL/TLS-encrypted SMTP Servers (such as Gmail SMTP Servers )
    Built-in SMTP Server. Has a built-in SMTP server (Requires port 25 open )
    Microsoft Exchange: Supports sending email via Microsoft Exchange Server
    Microsoft Office 365: Supports sending email via Microsoft’s cloud hosted email service
    Amazon SES. Supports sending email via Amazon Simple Email Service.

    PHP scripting. Dynamically generates email body/subject via the PHP programming language
    Conditional Mail Merge. the if..then..else conditional statement allows you to insert text based on the contents of a field
    Email Throttling. Limits the per minute/hour/day email volumes via SMTP and Exchange servers
    Email Scheduling. Supports one-shot and recurring email scheduling
    Fast email delivery. Sends bulk email via fast, multi-threaded email delivery engine
    Load Balancing. Supports multiple SMTP servers & Load Balancing, spreading the email load among multiple SMTP accounts/servers

    List Deduplication. Automatically skips duplicate addresses in mailing lists. ( You can turn off this feature )
    Built-in List Editor. Creating/editing lists directly within e-Campaign
    CSV (Comma Separated Values). Supports mailing lists in the ubiquitous CSV format, as well as semicolon- or tab-delimited text
    Exclusion lists. Excludes email addresses on the fly (each mailing job can have different exclusion lists )
    Bounces Handling. Includes bounced email processing features

    Personalized file attachments and images. In addition to personalization in email subject and body, you can even send different file attachments and images to different recipients in the same mailing job
    64-bit technology. Version 11 is available in both 64-bit and 32-bit. The 64-bit version can take advantage of large amount of RAM beyond the 2GB limit in older versions
    SOCKS Proxy Server. Supports SOCKS5 Proxy Servers
    Unicode & International languages. Supports Unicode, and major international character sets and encodings
    WYSIWYG Email Editing. Supports WYSIWYG HTML message composing

    Note: The email tracking feature relies on a web service running 24×7, which monitors email opens and unsubscribe link clicks. As a desktop email program, the software per se is unable to track email opens or unsubscribe link clicks occurred on the Web. Version 11 integrates support for Email Tracking Service provided by TrackMsg.com, which charges a small fee for using their service.

    Why e-Campaign over other mass mailing software?

    e-Campaign mailing list software is feature-rich, flexible, yet amazingly easy to operate. You don’t need to be a rocket scientist or understand too much computer jargon; e-Campaign mass mailing software smartly turns complex things simple.

    Consider these features that our competitors’ software lacks or that are implemented in clumsy ways:

    1. Connecting to Access/Excel and SQL Servers with ease
  • Support for open standards: Our competitors usually require you to use a given or sometimes their proprietary format for mailing lists; you have to export/import/convert lists. That’s boring.

    e-Campaign respects your preferences and tastes. Your list can be in the CSV (Comma Separated Values) format, or tab-delimited text, or semicolon-delimited, or stored as a Excel spreadsheet, or an Access database, or stored in database servers such as Microsoft SQL server, Oracle, or MySQL. You can continue storing lists in your preferred way; there is no hassle of converting one format into another. All these formats are directly and perfectly supported.

  • Perfect global language support. You don’t need to understand language encodings and how they work. Be it European, Japanese, Arabic, or Hebrew, e-Campaign bulk mailer software is intelligent enough to choose the best appropriate character set and encoding scheme for your message. Many competitors’ bulk mailer programs don’t understand or support International characters/languages at all, and your messages will be jumbled if they contain non-English characters. Such a nightmare never happens with e-Campaign.

  • Support for the latest email standards. MIME ( Multipurpose Internet Mail Extensions ), Quoted-Printable, Base64, SMTP authentication, Secure SMTP, and so on. While our competitors use tons of dialog boxes to ask you to configure various “options”, e-Campaign email marketing software handles these concepts elegantly without you ever realizing their existence. Why force yourself to memorize dozens of eccentric terms in order to use a piece of software?

  • Sending highly personalized emails. e-Campaign (mail merge software ) allows you to send personalized email to each recipient in your mailing list by using variables (“merge fields”); and it even allows you to send different/personalized attachments and images to different recipients in the same mailing list.

  • Automating your mass emails. The one-shot and recurring scheduling features help you automate your mass emails.

  • Sending Bulk Email via Microsoft Exchange Server.
    Microsoft Exchange Server is popular in corporate environments. So far, e-Campaign is the ONLY email marketing software solution on the market that can send email via Microsoft Exchange Server.

    e-Campaign supports Microsoft Exchange Server from 11 years ago; none of our competitors catches up so far.

  • Protect Your Investment. Now and again we received emails from some of you, saying “I used XXX bulk email software, but their website is gone. “

    Many websites burn lots of money for online advertisement, sell you something, then disappear altogether. You’re left with buggy software and no tech support.

    Some of our competitors are selling software not updated since 2007, or even as ancient as 2004. Do you trust software that has not been maintained for the last 13 years?

    First launched in 1999, e-Campaign has been continuously developed and enhanced. The 18+ years of customer trustworthiness and our long-term dedication mean safety for your software investment.

  • Mass Mailing Software, Bulk Mailer, Mass Email Sender, Email Marketing Software. Bulk Email Sender, Mass Mailer


    Land Surveyor Degree Info – All About Education and Certification, online land surveying degree.

    #Online #land #surveying #degree


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    Online land surveying degree

    Find a land surveyor

    Geomatics is a fairly new field, but has gained prominence in recent years due to its relevance in modern GPS devices and other scientific endeavors. Essentially, geomatics is the collection, interpretation, and reporting of geographical data as collected by satellites, sensors, and ground instruments. It is essential in the fields of cartography, surveying, global positioning, and remote sensing, and graduates in the field of geomatics can expect to find work in such diverse fields as engineering, navigation, geophysics, and even forestry. While curriculums vary depending on the university and the degree program selected, generally any geomatics degree program will cover certain basic subjects in the field, including remote sensing, digital imaging, digital mapping, geodesy, geographical information systems, photogrammetry, global positioning and navigation, and land management.

    Students in the geomatics field will generally be trained in the use of a variety of computer programs designed to analyze and collate geographic data for use in practical applications. Remote sensing, digital imaging, and digital mapping are all interrelated subjects, and all involve the use of computer analysis of geographical information. Remote sensing is the collection of satellite data, including the computer applications that produce the satellite images. Digital imaging is the process of interpreting visual data, such as satellite scans and aerial photographs, and transferring the information derived into a specialized computer system. Digital mapping is the end result, combining the raw data produced by remote sensing and other means with the interpreted results from digital imaging to produce accurate geographical information for practical use.

    Online land surveying degree

    Geodesy is the scientific discipline devoted to geographical measurement and representation. In contrast to traditional geography, geodesy takes into consideration the gravitational field of the earth and geological data regarding tectonic plate movement, polar shifts, and tidal phenomena. In practice, geodesy allows for accurate measurement of land surface or pinpoint accuracy in locating an exact coordinate, making it invaluable for surveyors and navigators. Geographical information systems classes provide the hands-on computer experience necessary to put those measurements into a usable form.

    Photogrammetry is the scientific acquisition of geographical data from photographs and photo images in order to derive accurate measurements of geological and cartographic features. Most geomatics programs divide photogrammetric studies into Aerial Photogrammetry and Close-Range Photogrammetry, based on the camera location. Photogrammetry is especially useful because it gives exact positions of both natural geological formations and man-made structures like roads and buildings. Most of the maps available in print and online are, at least in part, the result of photogrammetric research.

    Online land surveying degree

    Anyone with a GPS device in their car or phone knows the practical uses of global positioning and navigation. Geomatics students embark on an in-depth study of the NAVSTAR GPS, or Global Positioning System, learning both the history of the satellite navigation system and its uses for commercial applications. Most four-year programs also teach the basics of accessing the GPS network and how to implement the data derived for mapmaking and surveying as well as other uses.

    Land management is perhaps the most commonly known use of geomatics studies, encompassing surveying, real estate, and legal issues. Modern land management curricula are designed to teach students the practical aspects to land use, including use studies, exact property surveying, legal aspects to zoning and geological concerns, and every aspect of leasing, selling, and determining proper uses for parcels of land.

    Whether the student elects a two-year or four-year program or even an advanced degree, opportunities in the geomatics field are numerous and varied. Demand for qualified graduates has been high, and is expected to remain at that level for the foreseeable future, due to the ever-expanding number of applications for these specialized skills.

    Online land surveying degree


    Applied Science

    #online #applied #science #degree


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    Applied Science

    You re Closer than You Think

    Degrees Offered: Bachelor of Applied Science

    Available in Augusta, Bangor, at sites statewide, and online

    UMA s Applied Science program is designed for graduates with their Associate s Degree who want to attain their Bachelor s. Our Bachelor of Applied Science Degree is your next step to advance your current career, receive a promotion, improve and expand your business, or simply broaden your outlook on the world.

    You might be surprised how close you are to a Bachelor s Degree. UMA has established a partnership with the Maine Community College System (MCCS), so that most MCCS graduates are more than halfway to earning their Bachelor s of Applied Science Degree.

    In the BAS program, you will focus on a specific knowledge area by choosing an 18-credit minor with a minimum of 6 credits of upper (300-400) level courses. Click here for a list of UMA minors: http://www.uma.edu/academics/checksheets/

    NOTE: Minors that are under 18-credits and/or do not have a minimum of 6-credits of upper level courses will not meet the BAS degree requirements.

    Along with your program focus, you will also broaden your liberal arts background with courses in English, communications, social and natural science, humanities, fine arts, and mathematics.

    It is anticipated that the MCCS s Associate of Applied Science graduate will transfer approximately 60 credits, including 19-21 credits of general education requirements and a maximum of 39-41 credits of technical/trade courses. The 39-41 technical/trade credits would constitute the Applied Science Major without being named in the degree.

    The general education/core courses from the MCCS will, in most instances, include: college writing, speech or technical writing, social science, lab science, mathematics, and humanities. UMA s 37 credit hour baccalaureate core and general education requirement would need to be met in order to earn the Bachelor of Applied Science Degree. This requirement consists of:

    CORE SKILLS, COMPETENCIES, AND ABILITIES (15 credits)

    • Written Communication (6 credits) ENG101 and 3 credits from ENG102W, or 317W
    • Writing Intensive Course (3 credits)
    • Oral Communication (3 credits)
    • Mathematics (3 credits) MAT100 or higher

    GENERAL EDUCATION REQUIREMENTS (25 credits)

    • Fine Arts Humanities (9 credits) including 3 credits from fine arts and 6 credits from humanities
    • Mathematics, Natural, and Computer Sciences (10 credits) including a natural science with a laboratory
    • Social Sciences (6 credits)

    * All core and general education courses will address issues of diversity. The student would need to declare a minor which is identified as at least 18 credit hours. Finally, a minimum of 30 credits of the required 121 credit hours must be at the 300-400 level and a minimum of 6 of those credits must be in the minor. BAS majors will be assigned faculty academic advisors based upon their selected minor.

    Required and/or Elective Courses:

    The general education component of the BAS will consist of:

    When you graduate with your BAS Degree, you ll be equipped with:

    • a well-rounded understanding of the major functional areas of your chosen minor
    • well-developed written and oral communication skills
    • strong analytic and critical thinking skills and the ability to:
      • utilize current technology
      • understand ethical decision models
      • conduct both quantitative and qualitative analysis of problems
      • form opinions based on analysis
      • support conclusions with evidence

    University of Maine at Augusta

    46 University Drive, Augusta, ME 04330
    877.UMA.1234

    ©2017 University of Maine at Augusta

    University of Maine at Augusta


    9 Accredited Radiology Technology Schools in Colorado, radiology bachelors degree online.

    #Radiology #bachelors #degree #online


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    Find Your Degree

    There are 9 accredited radiology technology schools in Colorado for faculty who teach radiology technology classes to choose from. The following statistics and charts help analyze the current state of the radiology technology academic community in Colorado, and the future trends in radiology technology training at the following levels:

    • Radiology Technology Certificate
    • Associates degree in Radiology Technology
    • Bachelors degree in Radiology Technology
    • Masters degree in Radiology Technology
    • PhD degree in Radiology Technology

    Arrange By

    5401 W. 20th St., Greeley, Colorado 80632

    111 N. Havana Street, Aurora, Colorado 80010-4314

    102 Administration Building, Fort Collins, Colorado 80523-0100

    1111 W. Colfax Ave., Denver, Colorado 80204-2026

    1100 North Avenue, Grand Junction, Colorado 81501-3122

    900 West Orman Avenue, Pueblo, Colorado 81004-1499

    13300 W Sixth Ave, Lakewood, Colorado 80228-1255

    7475 Dakin St Suite 100, Denver, Colorado 80221

    350 Blackhawk Street, Aurora, Colorado 80011

    Cities

    1. Radiology Technology Schools in Denver, CO 2 Schools
    2. Radiology Technology Schools in Aurora, CO 2 Schools
    3. Radiology Technology Schools in Fort Collins, CO 1 Schools
    4. Radiology Technology Schools in Greeley, CO 1 Schools
    5. Radiology Technology Schools in Pueblo, CO 1 Schools
    6. Radiology Technology Schools in Grand Junction, CO 1 Schools

    Statistics

    Professional Trends

    Colorado Vs. National Radiology Technology Employment

    Of all of the radiology professionals that work in the US, approximately 1% work in Colorado state.

    Employment Growth for Radiology professionals In Colorado

    • Yellow: Actual Values

    In Colorado, radiology technology is a shrinking field. There were 2,370 less radiology professionals working in Colorado in 2010, than there were in 2006. Thus, in Colorado, this field has shrunk by 41% in four years. This decline is faster than the change in the number of radiology professionals around the country. Nationally, the number of radiology professionals has shrunk by 26% from 2006 to 2010.

    Radiology Technology VS. All Professions salaries in Colorado

    • Light Blue: Radiology Technology
    • Dark Yellow: All Professions

    As the number of radiology professionals is declining, the salaries paid to radiology professionals are increasing in Colorado. Radiology professionals earned a yearly mean salary of $87,930 in 2006. They earned a yearly mean salary of $195,280 in 2010.

    Salary percentiles for Radiology professionals in Colorado

    Thus, there was a 55% growth in radiology professionals’ salaries. This growth is mirrored by state trends for all professionals. Within the field of radiology technology, there is a huge variation in pay, with the highest paid radiology professionals earning 91% more money than those in the bottom 10% of the pay bracket in Colorado state.

    Average Salaries for Radiology professionals and related professions in Colorado

    In Colorado, radiology professionals make, on average, more than their counterparts in related professions.

    Educational Trends

    Radiology Technology programs available for each degree type for all schools in Colorado

    57% of these graduates received a associate’s degree in radiology technology.

    Radiology Technology Faculty Salaries in Colorado

    Share Compare

    Enter your salary to gain access to our continually growing higher education faculty salary database. Don’t worry! This is 100% secure and anonymous.

    We are now in the process of collecting data for the number of radiology technology faculty in Colorado, growth in the field of radiology technology academia and radiology technology faculty salaries in Colorado. Please enter your information in the form below if you are involved in teaching radiology technology courses to students at the certificate in radiology technology, associates degree in radiology technology, bachelors degree in radiology technology, masters degree in radiology technology, and doctoral degree in radiology technology levels This will help us build a valuable free database resource for the benefit of current and future faculty in the field of radiology technology in Colorado. All information y A summary of the information we have collected thus far will appear once you submit your information.


    HealthCare Interactive Online Dementia Care Training and Certification Programs

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    Innovative. Engaging. Practical and Helpful!

    These are some of the comments that we hear again and again about our online, video-based dementia care training programs. HealthCare Interactive offers a variety of engaging media products about caring for someone with memory loss, Alzheimer’s disease, or dementia.

    We have products designed for professional caregivers as well as separate products geared for family members who are caring for a loved one at home.

    Our CARES ® Dementia Basics & Advanced Care ™ program was developed in conjunction with the Alzheimer’s Association, the world’s leading voluntary health organization in Alzheimer’s care, support, and research. It qualifies users for essentiALZ ® certificate and is recommended by the Centers for Medicare and Medicaid Services (CMS). Learn more about these products by clicking either category above.

    The Savvy Caregiver ™ Program for family caregivers was developed in conjunction with researchers from the University of Minnesota and Emory University and is recommended by the U.S. Administration on Community Services.

    1997- 2012 HealthCare Interactive, Inc. All Rights Reserved.


    Klse-online: KLSE Online Stock Quotes, klse stock quotes online.

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    Web Analysis for Klse-online – klse-online.com

    KLSE-online is a KLSE Market Watch Channel providing live KLSE stock quotes, KLSE Stock Summary Indices and share price information in Malaysia.

    klse-online.com is 1 decade 4 years old. It has a global traffic rank of #954,138 in the world. It is a domain having .com extension. This site has a Google PageRank of 1/10. This website is estimated worth of $ 720.00 and have a daily income of around $ 3.00. As no active threats were reported recently by users, klse-online.com is SAFE to browse.

    PageSpeed Score
    Siteadvisor Rating

    Traffic Report

    Estimated Valuation

    Search Engine Indexes

    Search Engine Backlinks

    Safety Information

    Website Ranks & Scores

    Klse stock quotes online

    Web Server Information

    Hosted IP Address:

    202.71.103.3 Klse stock quotes online

    Klse stock quotes online MY Klse stock quotes online

    Page Resources Breakdown

    Klse stock quotes online

    Homepage Links Analysis

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    Social Engagement

    Website Inpage Analysis

    Websites Hosted on Same IP (i.e. 202.71.103.3)

    Mandarin @ Global Hanyu & Culture College | Mandarin language.

    Leading provider of Mandarin courses and study in China programs; a partnership with Shanghai Jiaotong University in the Confucius Institute @ Shanghai Jiaotong.

    Innovative Diamond Technology

    Agensi Pekerjaan OVERSEAS Sdn Bhd

    Azim, Tunku Farik & Wong Advocates & Solicitors

    . Welcome to B2BVocation.com.

    HTTP Header Analysis

    Date: Sun, 12 Feb 2017 00:54:09 GMT

    Domain Information

    Domain Nameserver Information

    Klse stock quotes online

    Klse stock quotes online

    DNS Record Analysis

    Similarly Ranked Websites

    Günstige Sprachreisen für Erwachsene und Schüler 2014

    ► Günstige Sprachreisen ► Für Erwachsene, Schüler und Studenten ► Preistipp Englisch 2 Wochen am Meer: 559 € ► SEHR GUT

    Kilerzy.pl – Najbardziej kilerskie obrazki z Internetu!

    Najbardziej kilerskie obrazki z Internetu!

    Create A Favor – Personalized Gifts – Personalized Wedding Favors -.

    Óí³âåðñàëüíèé ëüâ³âñüêèé äîâ³äíèê ñïåö³àë³çóºòüñÿ íà ñòâîðåíí³ áàç äàíèõ ï³äïðèºìñòâ Ëüâ³âñüêî¿ îáëàñò³. Íàø á³çíåñ-êàòàëîã — öå äîñòîâ³ðíå ñâ³ä÷åííÿ ðîçâèòêó á³çíåñó ó Ëüâîâ³.


    Online elementary education programs

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    Online

    Accessible

    At UA Little Rock Online . we meet you where you are. Whether you re a busy professional wanting to advance your career, a first-time college student, or somewhere in between, we offer flexible course schedules and dozens of accredited degrees, certificates and minors, so you can finish strong .

    Affordable

    Our reduced standard rates apply to all UA Little Rock Online students, regardless of residency. Coupled with financial aid packages, payment plans, military discounts, and scholarship programs, you can afford to work toward the life you ve always wanted.

    Quality

    UA Little Rock embraces high-quality course development, instruction, and innovation in all subject areas. Our online courses are taught by the same award-winning, experienced faculty who teach face-to-face courses on our physical campus in Little Rock.

    Engaging

    We want to provide an environment for passionate learning and discovery to all our students. UA Little Rock Online students have full access to our academic resources. including the Ottenheimer Library, Blackboard Support, Online Writing Lab, and Military Student Success Center.

    Request Info


    Texas Principal Certification, Superintendent Certification, Online Certification

    #online #principal #certification #programs


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    Contact Us

    Certificate and Certification Preparation Programs

    Enhance Your Career Skills With Specialized Training

    UT Tyler offers several post-baccalaureate certificate programs. These programs are not part of a degree; however, coursework may be counted toward a degree with the approval of the college in which they are housed. We also offer a number of initial certifications for educators.

    Certificate programs are narrower in their focus than degrees and provide preparation in a specific field. The certificate is not the equivalent of a license or certification required for practice in the professions or to teach.

    ONLINE: Principal and Superintendent – Certificates are offered through the Department of Educational Leadership. These certificates are designed to prepare Texas public school teachers to become principals and/or superintendents. You must already hold a master’s degree to apply to these certificate programs. Not eligible for financial aid.

    STEP Teacher Certification – The STEP program is a 13-month online program designed to meet the needs of people who hold a bachelor’s degree and want to receive a teacher certification without relocating or taking physical classes. The program begins in June each year and ends in July the following year. Not eligible for financial aid.

    The Educational Diagnostician Certificate requires a valid Texas teaching certificate, two years of classroom teaching experience, an earned master’s degree, and successful completion of the TExES examination for certification. Emphasis in educational diagnosis provides the student with the opportunity to assess the competencies of individuals in language, sociological. physical, and behavioral/emotional areas, intellectual functioning and adaptive behavior, and educational performance using informal and formal measures, and prescribe individualized education plans based on test results. Not eligible for financial aid.

    Nursing Education Certificate prepares the nurse to apply teaching-learning theory, principles of curriculum development, evaluation methodology, and role socialization as a nurse educator in a variety of settings. The program is designed to provide essential knowledge and skills required by nurse educators and facilitate the transition of the nurse from the clinical setting into the role of nurse educator. Not eligible for financial aid.

    Nurse Practitioner Certificate – The Post-Family Nurse Practitioner option is 24 semester credit hours in length. Although not totally online, 6 of these hours are offered online with the remainder 18 hours of clinical courses offered in a web-enhanced format requiring some class time on the Tyler campus. Eligible for financial aid.

    Nursing Administration Certificate – This online program is designed for students with a masters degree in nursing that are seeking a nursing administration certification. Not eligible for financial aid.

    Oil, Gas and Energy Accounting Certificate Program – Prepare to provide specialized accounting services in the field of energy through this nine-credit-hour certificate program. Prerequisites include a bachelor’s degree (any major) and completion of Intermediate Accounting I.

    Organizational Development and Leadership Certification Program – Complete an 18-credit-hour program that prepares you to manage in today’s complex and changing business environment. Graduate classes can later be transferred to an MBA program. Not eligible for financial aid.

    The Lean Six Sigma Black Belt Certificate program prepares students with the knowledge and tools that they can use to lead quality improvement initiatives in companies, thereby, reducing waste and becoming more efficient. These efforts have allowed companies to become more competitive and successfully compete in global markets. The City of Tyler reports a savings of $5 million from the Lean Six Sigma Program.

    Credits earned in fulfillment of the Lean Six Sigma Black Belt Certificate Program may be applied to other graduate degrees in the College of Business and Technology with advisor approval. The following five courses must be completed with a grade of C or better while maintaining a minimum grade point average of 3.0. In addition, a student must pass a comprehensive exam pertaining to the lean six sigma black belt curriculum.

    • TECH 5310: Six Sigma Quality
    • TECH 5320: Total Quality Management
    • TECH 5335: Lean Management
    • TECH 5366: Value Stream Management
    • TECH 5390: Advanced Lean Six Sigma Black Belt Technique

    Supply Chain Management Certification – The Supply Chain Management Certificate program is specifically designed to prepare students for advancement in supply chain management careers related to manufacturing and service, logistics, procurement, business development, and operations.

    The Executive Graduate Certificate in Engineering Management (EMGE) focuses on the areas of project management, project cost analysis and accounting, management of project monitoring and technology, project leadership and planning, and project optimization through management systems. This course of study is designed to 1) provide experienced engineers, architects and project/construction managers with rigorous study in the current tools for project management 2) train certificate recipients for positions in upper management within firms providing these type of services and/or 3) provide professional competencies for private and public sector employment. Not eligible for financial aid.

    The Executive Certificate in Nursing Informatics Program (ENIF) will advance your skills in data and information management, and enhance your capabilities in information processing with new tools and technology as they unfold. Prepare to meet the growing demands for nursing informaticists by integrating nursing science with information science and computer science. Learn to design and manage data systems that support nursing practice, administration, education and research. Not eligible for financial aid.


    What – s the Best Way to Back Up My Computer?

    #best #online #data #backup #service


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    What s the Best Way to Back Up My Computer?

    Everyone loses data at some point in their lives. Your computer s hard drive could fail tomorrow, ransomware could hold your files hostage, or a software bug could delete your important files. If you re not regularly backing up your computer, you could lose those files forever.

    Backups don t have to be hard or confusing, though. You ve probably heard about countless different backup methods, but which one is right for you? And what files do you really need to back up?

    It s All About Your Personal Data

    Let s start with the obvious: what do you need back up? Well, first and foremost, you need to back up your personal files. You can always reinstall your operating system and redownload your programs if your hard drive fails, but your own personal data is irreplaceable.

    Any personal documents, photos, home videos, and any other data on your computer should be backed up regularly. Those can never be replaced. If you ve spent hours painstakingly ripping audio CDs or video DVDs, you may want to back those files up, too, so you don t have to do all that work over again.

    Your operating system, programs, and other settings can also be backed up. You don t have to back them up, necessarily, but it can make your life easier if your entire hard drive fails. If you re the type of person that likes to play around with system files, edit the registry, and regularly update your hardware, having a full system backup may save you time when things go wrong.

    The Many Ways to Back Up Your Files

    There are many ways to back up your data, from using an external drive to backing up those files on a remote server over the Internet. Here are the strengths and weaknesses of each:

    • Back Up to an External Drive. If you have an external USB hard drive, you can just back up to that drive using your computer s built-in backup features. On Windows 10 and 8, use File History. On Windows 7, use Windows Backup. On Macs, use Time Machine. Occasionally connect the drive to the computer and use the backup tool, or leave it plugged in whenever your home and it ll back up automatically. Pros. backing up is cheap and fast. Cons. If your house gets robbed or catches on fire, your backup can be lost along with your computer, which is very bad.

    • Back Up Over the Internet. If you want to ensure your files stay safe, you can back them up to the internet with a service like CrashPlan. CrashPlan is a well-known online backup service we like and recommend, but there are also competitors like BackBlaze. Carbonite. and MozyHome. For a low monthly fee (about $5 a month), these programs run in the background on your PC or Mac, automatically backing up your files to the service s web storage. If you ever lose those files and need them again, you can restore them. CrashPlan can also back up to another computer for free for example, a friend s computer or another computer you own. Pros. Online backup protects you against any type of data loss hard drive failure, theft, natural disasters, and everything in between. Cons. These services usually cost money (see the next section for more details), and the initial backup can take much longer than it would on an external drive especially if you have a lot of files.

    • Use a Cloud Storage Service. Backup purists will say this isn t technically a backup method, but for most people, it serves a similar enough purpose. Rather than just storing your files on your computer s hard drive, you can store them on a service like Dropbox. Google Drive. Microsoft OneDrive. or a similar cloud storage service. They ll then automatically sync to your online account and to your other PCs. If your hard drive dies, you ll still have the copies of the files stored online and on your other computers. Pros. This method is easy, fast, and in many cases, free, and since it s online, it protects you against all types of data loss. Cons. Most cloud services only offer a few gigabytes of space for free, so this only works if you have a small number of files you want to back up.

    While backup programs like CrashPlan and cloud storage services like Dropbox are both online backups, they work in fundamentally different ways. Dropbox is designed to sync your files between PCs, while CrashPlan and similar services are designed to backup large amounts of files. CrashPlan will keep multiple copies of different versions of your files, so you can restore the file exactly as it was from many points in its history. And, while services like Dropbox are free for small amounts of space, CrashPlan s low price is for as big a backup as you want. Depending on how much data you have, one could be cheaper than the other.

    CrashPlan s client can also backup to an external drive, so it ll give you backups on your own hard drive and backups on CrashPlan s servers.

    One Backup Isn t Enough: Use Multiple Methods

    So which should you use? Ideally, you d use at least two of them. Why? Because you want both offsite and onsite backups.

    Onsite literally means backups stored at the same physical location as you. So, if you back up to an external hard drive and store that at home with your home PC, that s an onsite backup.

    Offsite backups are stored at a different location. So, if you back up to an online server, like CrashPlan or Dropbox, that s an offsite backup.

    Onsite backups are faster and easier, and should be your first line of defense against data loss. If you lose files, you can quickly restore them from an external drive. But you shouldn t rely on onsite backups alone. If your home burns down or all the hardware in it is stolen by thieves, you d lose all your files.

    Offsite backups don t have to be a server on the Internet, either, and you don t have to pay a monthly subscription for one. You could back up your files to a hard drive and store it at your office, at a friend s house, or in a bank vault, for example. It d be a bit more inconvenient, but that s technically an offsite backup.

    In addition, CrashPlan can back up to a friend s computer for free. So, maybe you could make a deal with a buddy, that you ll each back up to each other s computers over the internet you don t have to pay a monthly fee, and you both get offsite backups out of the deal. (And because the backups are encrypted, your friend can t access your data he s just storing it for you.)

    Similarly, you could also store your files in Dropbox, Google Drive, or OneDrive and performing regular backups to an external drive. Or you could use CrashPlan to back up to both an external drive and their online service, getting both your onsite and offsite backups from the same program. There are a lot of ways to use these services in tandem, and it s up to you how to do it. Just make sure you have a solid backup strategy, with onsite and offsite backups, so you have a wide safety net against ever losing your files.

    Automate It!

    All that may sound complicated, but the more you automate your backup system, the more frequently you ll be able to back up and the greater the odds you ll stick with it. That s why you should use an automated tool instead of copying files to an external drive by hand. You can just set it up once, and forget it.

    That s one reason we really like online services like CrashPlan. If it s backing up to the internet, it can automatically do that every single day. If you have to plug in an external drive, you have to put in more effort, which means you ll back up less often and you may eventually stop doing it. Keeping everything automatic is well worth the price.

    Ultimately, you just need to think about where your files are and ensure you have multiple copies at all times. Ideally, those copies should be in more than one physical location. As long as you re actually thinking about what you ll do if your computer dies, you should be way ahead of most people.


    Top New Jersey Colleges and Universities

    #online #universities #in #new #jersey, #top #new #jersey #colleges #and #universities


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    Top New Jersey Colleges and Universities

    View available schools

    Top Five Schools in New Jersey

    Princeton University

    Princeton, New Jersey is about the same distance between both Philadelphia and New York City, making it the ideal site for this Ivy League university. Founded in 1746, Princeton was the fourth institution of higher learning in the United States. It has an undergraduate population of 4,790 students working towards either a Bachelor of Arts in various disciplines or a Bachelor of Engineering from the prestigious School of Engineering and Applied Science. Princeton has the largest per-student endowment in the world and has been named the number one university by U.S. News and World Report for the past eight years.

    Rutgers, the State University of New Jersey

    Rutgers was founded in 1766 as Queens College and was formally added as a State University of New Jersey in 1956. The college actually sits on three campuses, located in Camden, New Brunswick and Newark. The Camden campus has an undergraduate enrollment of 3,694; Newark’s undergraduate enrollment is 6,503; and New Brunswick is the largest campus at 26,691. Rutgers’ Philosophy Department came in first, tied with Princeton and New York University in the 2002-2004 report by Philosophical Gourmet on programs in philosophy in English-speaking countries. Rutgers is listed at #59 by U.S. News and World Report.

    Stevens Institute of Technology

    Hoboken, New Jersey is the site of Stevens Institute of Technology, widely known for its rigorous engineering, science and technological management departments. The university was founded in 1870, making it the fourth-oldest technological university in the country and is ranked #75 by U.S. News and World Report. There are currently 1,853 undergraduates enrolled at Stevens; however, the college has a graduate student population of nearly 5,000. Stevens Institute’s engineering division is unique in that it requires a broad-based curriculum for its students, which means that graduates have a breadth of engineering knowledge outside of their specialization.

    New Jersey Institute of Technology

    The history of the New Jersey Institute of Technology is one of technological innovation. Since its founding in 1886, the university has been on the cutting edge, and it continues to lead the nation in campus technological advances. In the past few years New Jersey Institute of Technology has doubled its campus size to better serve its 5,380 undergraduates; the funding to take on these projects has come directly as a result of its national recognition. The college trademarked the term ‘Virtual Classroom’ and was the first campus to earn the title ‘most wired university’ by Yahoo. It is presently ranked #124 by U.S. News and World Report.

    Montclair State University

    Montclair State University was founded in 1908 as a Montclair State Teacher’s College and attained the title of University in 1994 due to a greatly expanded curriculum. It has an undergraduate enrollment of 12,365 on its campus in northern New Jersey and offers students over 250 different areas of academic concentration. Its close proximity to New York City-a mere 14 miles-makes it ideal for students who want to pursue internship and research opportunities.

    Related Articles

    Attending a college or university doesn’t have to be expensive. There are a number of schools, including both online and traditional institutions.

    Google is the go-to search engine for both students and librarians. But with so much information available on the web, it can be difficult to.

    Doctorate

      • Master of Science – DNP Executive Leader
      • Doctor of Nursing Practice (DNP)
      • Master of Science – DNP Path (Doctor of Nursing Practice)

    Master’s

      • MSCJ: Law
      • Master: Legal Studies
      • MS in Psychology
      • Master. Business Admin
      • Master: Psychology/General Psychology
      • MSPY – Industrial/Organizational Psychology Specialization

    Bachelor’s

      • Undergraduate in Legal Studies
      • Bachelor: Liberal Studies
      • Bachelor of Business Admin
      • BSBA – Investment
      • BS in Liberal Studies Leadership
      • Bachelor: Nutrition Science

    Associate’s

      • AASBA in Business
      • AAS in Legal Support and Services
      • Associate: Business Admin.
      • Associate: Business Admin. – Office Mgmt
      • Associate: Criminal Justice
      • Associate: Accounting

    Certificate

      • Psychology
      • Medical Assisting
      • Certificate in Human Services
      • Medical Office Administration
      • Human Services Certificates in Child and Family Services
      • Postbaccalaureate Certificate – Pathway to Paralegal

    Program Options

    Master’s

      • Master of Business Administration – Management (Spanish)
      • Master of Business Administration – International Business (Spanish)
      • Master of Business Admin – Information Security Management

    Bachelor’s

      • Bachelor of Arts – Business Administration with a concentration in Transportation and Logistics
      • B.A. – Legal Studies
      • B.A. – Psychology
      • B.A. – Business Admin: Management
      • B.A. – Accounting
      • B.A. – Business Admin: International Business

    Associate’s

      • Associate of Sciences – Information Technology
      • Associate of Arts – Criminal Justice
      • Associate of Arts – Accounting
      • Associate of Arts – Paralegal
      • Associate of Arts – Homeland Security
      • Associate of Sciences – Medical Assistant

    Certificate

      • Grad Business Certificate – Health Services Management
      • Grad Business Certificate – Management and Leadership

    Program Options

    Doctorate

      • Doctor – Management – Criminal Justice
      • Doctorate: Computer Science
      • Doctorate – Computer Science: Information Assurance (Executive Format)
      • Doctor of Management – Graduate Level Instructional Practices
      • Doctorate: C.S. – Enterprise Information Systems
      • Doctorate: Management – Organizational Development and Change

    Master’s

      • Master of Science in Computer Science
      • Master: Computer Science – Database Systems
      • Master of Business Admin
      • Master of Business Admin – Entrepreneurship
      • MS – Computer Science – Computer Systems Security
      • M.S. – Information Technology

    Bachelor’s

      • B.S. – Psychology
      • BS – Criminal Justice
      • B.S. – Psychology – Organizational Behavior
      • B.S. – Psychology – Consumer Behavior
      • BS – Nursing (RN to BSN completion)
      • BS – IT – Web Development

    Program Options

    Master’s

      • MBA
      • MBA Dual Concentration: HR & Project Mgmt.
      • MBA Dual Concentration: BS Mgmt. HR
      • MBA Dual Concentration: Business Mgmt & Project Mgmt.
      • MBA: Technology Management
      • MBA Dual Concentration: Accounting and Project Management

    Bachelor’s

      • B.S. – Business Management: Business Admin Concentration
      • B.S. – Business Management With No Concentration
      • B.S. – Business Management: Entrepreneurial Studies Concentration
      • B.S. – Information Technology: Security Technology Concentration
      • B.S. – Business Management: International Business Concentration
      • Bachelor: Health Care Management

    Associate’s

      • Associate of Science – Business Management
      • Associate of Science – Business Studies
      • Associate: Health Information Management
      • Associate: Healthcare Management
      • Associate of Science – Information Technology Admin and Management
      • Associate of Science – Accounting

    Certificate

      • Diploma: Medical Office Admin
      • Diploma: Medical Assisting
      • Diploma: Bookkeeping and Payroll Accounting
      • Networking Systems Certificate

    Online Criminal Justice, B

    #ba #in #criminal #justice #online


    Criminal Justice, B.A./B.S.

    The Department of Criminal Justice at the University of Central Florida provides excellence in teaching, research and service. Dedicated to its students, the faculty delivers outstanding instruction at the undergraduate and graduate levels, incorporating learning, service and inquiry. The Criminal Justice undergraduate program provides a comprehensive core course structure, combined with a rich variety of upper-division electives to provide an excellent knowledge base in the field of Criminal Justice.

    The curriculum is designed (1) to prepare graduates for positions in the field of criminal justice in local, county, state and federal justice agencies, private security organizations, and related fields; and (2) to prepare students for graduate work in criminal justice or related disciplines. Students should plan their major or minor in consultation with an advisor.

    Degree Requirements

    Detailed information available in the UCF Undergraduate Catalog. Courses designated in the General Education Program are generally taken during the first 60 hours of study. Information provided herein relates to completing your Criminal Justice degree online.

    The difference between the B.A. degree and the B.S. degree is that students who select the B.A. option must demonstrate proficiency in a foreign language equivalent to 1 year at the college level. High school language will fulfill the B.S. language requirement. Students who change degree programs and select this major must adopt the most current catalog. Departmental residency requirement consists of at least 36 semester hours of regularly scheduled courses taken from the UCF Department of Criminal Justice. Beyond the General Education requirements, students are required to complete a 30-hour Criminal Justice Core; 21 hours of upper-division CJ Electives; and 9 hours of Supportive Course Work.

    Optional internships are permitted. Six hours of internship credits may apply toward the upper division electives. Internships must be selected in consultation with the departmental internship coordinator and must be approved in advance prior to registration for internship credits. Internships may not be allowed in some states. Contact the program advisor for current restrictions.

    Core Requirements: 30 Credit Hours Required of all students

      CJE 3001: Careers in Criminal Justice
      CCJ 3014: Crime in America
      CCJ 3024: Criminal Justice Systems
      CJE 4014: Police and Society
      CJL 3510: Prosecution and Adjudication
      CJC 3010: Corrections and Penology
      CCJ 4701: Research Methods in Criminal Justice
      CCJ 4746: Data Analysis for Criminal Justice (PR: CCJ 4701)
      CCJ 4054: Capstone: Criminal Justice Ethics

    or any completed minor will satisfy supportive course work requirements.

    Online Courses:

    Some elective choices and courses that are not in the major may not be offered online. Please check courses in your chosen minor and/or the supportive course work listing to ensure you are selecting courses that are available to the online student. Due to restrictive state regulations, UCF is not permitted to provide online courses or instruction to students in some states. More information is available here is available here .

    Departmental Requirements:

    Maintain a minimum GPA of 2.0 in the major and maintain a grade of C or better in each core course.

    Transfer Notes:

    Up to 12 hours of CJ course work taken at another institution may be substituted for UCF CJ courses with equivalency in course content and proper documentation. Students are required to complete 48 hours of upper-division course work.

    Career Opportunities

    • blood spatter analyst
    • caseworker
    • CIA agent
    • consultant
    • corrections officer
    • counselor
    • court clerk
    • court reporter
    • crime scene investigator
    • DEA agent
    • FBI agent
    • fish and game warden
    • forensic science technician
    • grant writer
    • homicide detective
    • immigration and customs enforcement agent
    • law enforcement officer
    • legal assistant
    • private investigator
    • probation officer
    • Secret Service agent
    • security officer
    • state trooper
    • U.S. Marshal
    • U.S. postal inspector

    Watch Video


    Free Software Directory

    #programs #online


    #

    The Free Software Directory

    Welcome to the Free Software Directory. a catalog of free software that anyone can edit .

    Free softwareis a matter of liberty, not price. Think of “free” as in “free speech”, not as in “free beer”. Free software is a matter of the users’ freedom to run, copy, distribute, study, change and improve the software.

    Contribute

    • Have you found a bug or an entry that needs to be updated?
    • Would you like to submit a new entry?
    • Or are you eager to join a team of other community members to help maintain, grow, and rebuild the Free Software Directory?

    If so, visit our Participate page to find out how you can get started today. Also make sure to join the directory-discuss mailing list to keep up on discussions or send in any questions you have about the directory.

    Join us each Friday from 12 p.m. to 3 p.m. EST

    To see the meeting start time in your timezone, run this in bash: date -d “17:00 UTC this Fri”

    for the FSD IRC meetings! For more details, check the Free Software Directory blog .

    Query or browse

    • Browse GNU Projects (428)
    • Query on license type
    • Browse All (15905)
    • Random entry
    • Most recent changes
    • New packages RSS feed
    • Query on descriptions
    • Recent updates RSS feed

    Free software to use for.

    About

    The Free Software Directory (FSD. or simply Directory ) is a project of the Free Software Foundation (FSF). We catalog useful free software that runs under free operating systems particularly the GNU operating system and its GNU/Linux variants.

    Licenses are verified for each and every program listed in this directory. We also warn for software with antifeatures.

    If you are looking for a full operating system for your computer, please see our list of free GNU/Linux distributions. For software only available on non-GNU/Linux operating systems see: free software for Windows. free software for iOS. and free software for Android on F-Droid (which contains a small percent of software with nonfree issues which are prominently warned about prior to install).

    The FSF provides this directory as a service to the free software community. Please consider donating to the FSF to help support this project.

    Permission is granted to copy, distribute and/or modify this document under the terms of the GNU Free Documentation License. Version 1.3 or any later version published by the Free Software Foundation; with no Invariant Sections, no Front-Cover Texts, and no Back-Cover Texts. A copy of the license is included in the page GNU Free Documentation License .

    The copyright and license notices on this page only apply to the text on this page. Any software or copyright-licenses or other similar notices described in this text has its own copyright notice and license, which can usually be found in the distribution or license text itself.


    Free Online Math Worksheets

    #online #school #worksheets


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    Free Online Math Worksheets

    Our directory of Free Online Math Worksheets and Math Quizzes available on the Internet. They include Algebra Math Worksheets, Geometry Math Worksheets, Multiplication Math Worksheets, Division Math Worksheets, Measurement Math Worksheets, Fraction Math Worksheets, Decimals Math Worksheets, Integers Math Worksheets, Statistics Math Worksheets, Probability Math Worksheets and Trigonometry Worksheets. We categorize and review the worksheets listed here to help you find the math worksheets problems that you are looking for.

    Interactive Math Worksheet According to Topics

    Whole Numbers

    The following are some pre-configured links to our online interactive worksheets according to topics. Some of the worksheets are dynamically generated which means that you will be given a different set each time to practice. They are marked online, giving you immediate feedback. The topics are sub-divided and arranged in an approximate order of difficulty.

    Numbers Worksheets

    Addition Worksheets

    Subtraction Worksheets

    Addition Subtraction Worksheets

    Multiplication Worksheets

    Division Worksheets

    Order of Operations Worksheets (PEMDAS, BEDMAS)

    Money Worksheets

    Choose the coin you want to go up to. Create the worksheet and print. The idea is to add up the coins in each row and column.

    Generates random coin addition worksheets in Euro, Pounds, US and Australian Dollars. Various combinations of penny, cent, pound or dollar coins can be employed and the worksheets are different each time.

    Print small coins cards for matching, grouping and other activities. Choose between Euro, old UK coin designs, new UK coin designs, Australian coins and US coins.

    Print coins fans with US Dollars, UK coins – both old and new designs, Australian Dollars and International Euro designs.

    Fraction Worksheets

    Ratio Worksheets

    Integer Worksheets

    Exponent Worksheets

    Decimal Worksheets

    Measurement Worksheets

    Percent Worksheets

    Time Worksheets

    Algebra Worksheets

    Slope and Intercept Worksheets

    Number Patterns and Sequences (Find the n th term)

    Geometry Worksheets

    Trigonometry Worksheets

    Statistics Worksheets

    Probability Worksheets

    Complex Number Worksheets

    Mental Math Worksheets

    Sites For Online Math Worksheets

    Fill in your answers online and get your worksheet corrected immediately.

    • Interactive Math Zone
      Auxiliary site to OnlineMathLearning.com. Generate online math worksheets according to the students’ needs and ability.
      Topics: Addition (with/without carry), Subtraction (with/without borrow), Multiplication Tables/Facts, Multiplication, Division Facts, Place Values, Comparing Numbers, Counting Money in various currencies (American, Canadian, Australian, British, Euro, Singaporean, Malaysian), Algebra, Geometry, Trigonometry, Complex Numbers.

    • That Quiz
      An excellent site with math test activities for students and teachers of all grade levels. Teachers can also generate online tests for students.
      Topics: Algebra, Angles, Arithmetic, Calculus, Exponents, Fractions, Geometry, Graphs, Inequality, Measure, Money, Place Value, Points, Probability, Shapes, Time, and Triangles.

    • Aplus Math
      Generate online math worksheets according to your requirements.
      Topics: Addition, Fractions, Decimals, Division, Multiplication, Order of Operations, Money, and Subtraction.

    • School Express
      10 levels of online math worksheets.
      Topics: Addition, Subtraction, Multiplication, and Division.

    • Noetic Learning
      Interactive worksheets that can be tailored to fit your needs.
      Topics: Number Sense and Place Value, Adding. Subtracting, Multiplication, Division, Money.

    Sites For Printable Math Worksheets

    Some of the following sites have math worksheets generators while others may have ready-made worksheets.

    • Algebra Worksheet Generator
      Generate algebra worksheets and answers according to your required options.
      Topics: Linear Equations, Systems of Equations and Quadratic Equations.

    • Geometry Worksheets
      Ready-Made Geometry worksheets for grades 4 through 8.
      Topics: Shapes, Angles, Perimeter, Area, and Volume.

    • Trigonometry Worksheets
      Ready-Made Trigonometry Worksheets.
      Topics: Sine, Cosine, Tangent, Angles of Rotation, Law of Sine, Law of Cosine, Degrees, Radians, Sum and Difference Identities.

    • Statistics Worksheets
      Generate Statistics Worksheets.
      Topics: Mean, Median, Mode, Range, Variance, Standard Deviation, Chebyshev’s Theorem, Empirical Rule, Percentiles, Deciles and Quartiles.

    • Abc Teach
      Automatically generate math worksheets based on the settings you choose.
      Topics: Addition, Comparison, Counting, Division, Fractions, Multiplication, Patterns, Place Values, and Subtraction.

    • Super Kids
      Automatically generate math worksheets based on the settings and level of difficulty you choose.
      Topics: Addition, Averages, Comparison, Counting, Division, Exponents, Even Odd Numbers, Fractions, Factorials. Multiplication, Place Values, Order of Operations, Patterns, Percentages, Rounding, Subtraction, and Telling Time.

    • Aplus Math
      Generate math worksheets according to your requirements. Also generate the corresponding answers.
      Topics: Addition, Algebra, Fractions, Decimals, Division, Multiplication, Order of Operations, Money, and Subtraction.

    • Home School Math
      Ready-made math worksheets and also worksheet generators. You can customize the generated worksheets.
      Topics: Addition, Decimals, Fractions, Division, Multiplication, Subtraction, and Telling Time.

    • Soft School
      Math worksheet generators that allow you to specify the required options.
      Topics: Algebra, Addition, Average, Calender, Comparison, Decimals, Division, Exponents, Factors, Fractions, GCF, LCM, Multiplication, Number Line, Odd Even Numbers, Place Value, Rounding, Roman Numerals, Statistics, Subtraction, Temperature, and Telling Time.

    • School Express
      Ready-made math worksheets for ages 3 – 10.
      Topics: Addition, Comparison, Counting, Division, Fractions, Measurement, Money, Multiplication, Numerals, Ordinal Numbers, Place Values, Roman Rounding, Subtraction, and Telling Time.

    Rotate to landscape screen format on a mobile phone or small tablet to use the Mathway widget, a free math problem solver that answers your questions with step-by-step explanations.

    You can use the free Mathway calculator and problem solver below to practice Algebra or other math topics. Try the given examples, or type in your own problem and check your answer with the step-by-step explanations.


    Online Courses in Law, Legal & Criminal Studies, Universal Class, legal online courses.

    #Legal #online #courses


    #

    Classes in Basic Law and Legal Studies

    Universal Class provides over 20 online courses in law, legal and criminal studies that can afford you the opportunity to enhance your professional career or help make your new career dreams a reality. Our self-paced online classes are an excellent foundation for those seeking employment and advancement in the growing professions of legal secretaries, paralegals or transcriptionists.

    With just an internet connection and without any complicated software, you can immediately begin your online course. The classes are designed to give students the most flexibility and independence. Courses are self-paced, low-cost and developed by experts in their fields. Your instructor is available to provide assistance and guidance through email. Why not browse through our eclectic course list below and click on the class title for more detailed information?

    • Featured Course Legal online courses

    Criminology Basics

    Employment Law Fundamentals

    Legal Terminology 101

    • Legal online coursesABCs of Technical Writing $75.00 0.9 CEUs
    • Legal online coursesAdvocacy for Elderly Patients $75.00 0.6 CEUs
    • Legal online coursesAnger Management 101 $75.00 0.5 CEUs
    • Legal online coursesBusiness Consulting 101 $95.00 1.1 CEUs
    • Legal online coursesBusiness Ethics $75.00 1.1 CEUs
    • Legal online coursesBusiness Writing $75.00 1.9 CEUs
    • Legal online coursesChild Abuse Recognition, Investigation, and Protection $110.00 1.5 CEUs
    • Legal online coursesConflict Resolution 101 $75.00 0.7 CEUs
    • Legal online coursesContract Law 101 – An Introduction $75.00 1.0 CEUs
    • Legal online coursesCriminology Basics $75.00 0.5 CEUs
    • Legal online coursesDomestic Violence 101 $110.00 1.0 CEUs
    • Legal online coursesEmployment Law Fundamentals $80.00 0.7 CEUs
    • Legal online coursesFundraising 101 $75.00 0.6 CEUs
    • Legal online coursesHuman Resources Management 101 $75.00 0.8 CEUs
    • Legal online coursesHuman Resources Productivity Course Bundle $120.00 3.1 CEUs
    • Legal online coursesKinesics 101 – Learn to Read Body Language $75.00 0.7 CEUs
    • Legal online coursesLegal Terminology 101 $75.00 1.0 CEUs
    • Legal online coursesManagement Essentials $75.00 0.7 CEUs
    • Legal online coursesMiddle and High School Bullying $75.00 0.5 CEUs
    • Legal online coursesNegotiation Skills $75.00 0.7 CEUs
    • Legal online coursesProofreading and Copyediting 101 $75.00 1.2 CEUs
    • Legal online coursesRetirement Planning $75.00 1.1 CEUs
    • Legal online coursesSensitivity Training in the Workplace $75.00 0.7 CEUs
    • Legal online coursesSexual Harassment Compliance $75.00 0.3 CEUs
    • Legal online coursesSmall Business Guide $75.00 0.5 CEUs
    • Legal online coursesTyping and Keyboarding 101 $75.00 2.0 CEUs
    • Legal online coursesUnderstanding and Managing Your Personal Credit $75.00 0.5 CEUs
    • Legal online coursesUnderstanding Insurance Types $75.00 0.2 CEUs
    • Legal online coursesWorkers’ Compensation 101 $75.00 0.5 CEUs
    • Legal online coursesWriting Help Course Bundle $135.00 6.1 CEUs

    Why Universal Class?

    • Accredited by IACET – Universal Class, Inc. has been accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET)
    • Supportive Instructors!
    • Earn a Certificate of Course Completion documenting your CEUs and Contact Hours
    • Verify your CEUs and Contact Hours via unique certificate serial number on our service (great for employers)
    • Easy to use! Our online courses are the easiest and most fun courses available anywhere
    • Self paced! Go at your own pace. You do not need to be online at a specific date or time
    • Start right now! You can start the class right now by clicking on the button ‘Join this Course’
    • Extremely affordable! Pay one time for a course and you have 6 months to finish it. Or pay $189.00 for a yearly subscription and take any course you want, as many courses as you want (over 500 to choose from)
    • High quality courses! Since 1999, Universal Class has provided high quality continuing education training to over 600,000 satisfied students

    • Legal online coursesLegal online coursesLegal online coursesLegal online courses

    Legal online courses


    Compare Car Insurance Quotes: Fast, Easy, Secure, online free insurance quotes.

    #Online #free #insurance #quotes


    Auto insurance comparison made easy.

    In just minutes, Compare.com gives you up to 50 free auto insurance quotes. We do all the work so you don t have to. Who knew saving money is this easy?

    We Make Comparing Rates Online Simple

    Sit back while we provide you up to 50 free car insurance quotes. See how it works.

    Provide your information one time only

    Tell us a little bit about yourself, your car, and your driving record. Then do the same for anyone else covered by the same auto insurance policy.

    Sit back and watch

    In a snap, you’ll see side-by-side comparisons of real-time auto insurance quotes. They’re real prices, not estimates, along-side helpful information about the car insurance companies.

    Click and save

    One click and you’ll instantly be connected with the insurance company of your choice. There, you’ll complete the purchase of your new auto insurance policy.

    Save your information

    Come back and easily compare rates at any time knowing that your information is safely stored in our secured database.

    Provide your information one time only

    Tell us a little bit about yourself, your car, and your driving record. Then do the same for anyone else covered by the same auto insurance policy.

    Sit back and watch

    In a snap, you’ll see side-by-side comparisons of real-time auto insurance quotes. They’re real prices, not estimates, along-side helpful information about the car insurance companies.

    Click and save

    One click and you’ll instantly be connected with the insurance company of your choice. There, you’ll complete the purchase of your new auto insurance policy.

    Save your information

    Come back and easily compare rates at any time knowing that your information is safely stored in our secured database.

    Top Car Insurance Companies

    We work with the most reliable auto insurance companies in America to get you the lowest insurance prices available.

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    Why Compare Auto Insurance Rates?

    You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

    Why Compare Auto Insurance Rates?

    You could be saving up to $359 per year ($1,031 if you’re an extra safe driver).

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

    To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

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

    To make sure you’re saving the most on your coverage policy, experts recommend getting at least 4 auto insurance quotes. With Compare.com, you get 4 or more locked in rates in just minutes. Start your free online quote comparison today!

    5 Most Common Auto Insurance Mistakes

    Make sure you’re saving the most by avoiding these common auto insurance pitfalls.

    1. 1
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    5. 5

    Not updating your relationship status.

    Married drivers typically pay less for car insurance. Combine your auto insurance policies and you could be saving approximately 10 to 12 percent.

    *Edmunds estimates the average savings for married couples is 10-12 percent. On average, a 20-year-old female pays 22 percent less when she is married.

    Forgetting you’re a homeowner.

    If you own a home, you could be saving up to 3 percent on your auto insurance policy. Want to save even more? Bundling your home and auto insurance can save you up to 8 percent on your current coverage costs.

    *Data provided by Value Penguin

    Unaware your credit score affects your insurance rate.

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

    *Data provided by Consumer Reports

    Over-reporting your mileage.

    Do you commute? Use your car for pleasure only? If you’ve started driving less since the last time you reported your mileage, recalculate. It could reduce your premium by 5-10 percent.

    *Data provided by Consumer Federation of America


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

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    Online Auto Insurance

    Make a Comparison

    Buy your Policy Online

    Vehicle insurance online

    Operated by Online Auto Insurance ™

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

    Pay Monthly

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

    Cheap Companies

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

    Coverage Recommendations

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

    Top Rated Companies

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

    High Risk Drivers

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

    Get Quotes Without Personal Information

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

    No License

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

    Cheap Rates for Young Drivers

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

    State Specific:

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    Auto Insurance Quotes: Farmers Insurance, free auto insurance quote online.

    #Free #auto #insurance #quote #online


    Getting an Auto Insurance Quote

    Quoting with Farmers is quick and easy.

    Auto Insurance Quotes Online

    Have you read up on Farmers Auto insurance? Interested in an insurance quote? Ready to see what the coverage, personal service, and support of Farmers insurance can save you?

    The process is quick and easy, and in no time, you’ll have auto insurance rates to compare and consider. If the insurance rates and coverage are right, you can even buy your policy online as well.

    The Insurance Quote Process

    To make things as clear as possible, let’s review the simple Farmers Auto insurance quote process:

    Tell us about yourself

    Fill out the basics; your name, address, contact information, etc. This lets us know who we’re quoting.

    Tell us about your car

    Tell us about your car, and we can more accurately generate your quote. To see if you qualify for potential insurance rate discounts, we’ll also ask about your commute, and any extras your car may have, like security systems or recovery devices.

    Tell us about any other drivers

    If there are other drivers in your house, like your spouse or children, it’s important to tell us about them too. We’ll ask about their driving history, to get a better sense of everyone’s experience on the road.

    See your discounts

    After you’ve told us about you, your car, and your other drivers, we’ll show you all the discounts you could qualify for, and ask you a few last questions to see if you qualify for even more!

    Get your quote!

    View your quote quickly. You can even change your limits and coverages to see how that would affect your insurance rate.

    Auto Insurance Quote Cheat Sheet – What You’ll Need

    To make for the most accurate and quickest quote possible, it’s good to have some information in front of you before you start. That way, you’re not running around the house trying to find a document while your quote sits and waits.

    Here’s a list of things to have at the ready before starting your quote:

    Have the license plate number of any car you’d like to cover readily available.

    Make sure to have your driver’s license number, and the numbers of any other drivers in your household.

    It’s a good idea to write down the Vehicle Identification Number (VIN) for any cars you want to cover. You can find the VIN by standing outside the car and looking at the dashboard on the driver’s side.

    Write down the current odometer reading for each car you’d like to cover.

    Have a general idea of when you purchased each car you’d like to cover.

    Have your current insurance policy declarations page at the ready. It contains all of your current coverages and limits, and can help if you’d like the same limits or want to compare insurance quotes apples-to-apples.

    Get Your Auto Quote Online

    Now that you know the process, and have the information you need at your fingertips, why not get an online insurance quote now? It only takes a few minutes, and you can even buy online too!

    Would you rather quote with a real person? We have those too! Call 1-800-493-4917 to speak with a Farmers agent and quote over the phone.

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

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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.


    Créditos rápidos y urgentes online hasta 700€ en 15 minutos, creditos urgentes online.

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    Créditos rápidos online

    Los clientes actuales pueden pedir prestado hasta 700€

    Tu dinero en un click

    Ejemplo representativo

    ¿Cómo funciona?

    1.- Selecciona importe y plazo

    2.- Rellena el formulario con tus datos

    3.- Valida tu identidad

    4.- Recibe tu dinero

    Advertencia al consumidor

    • Un micropréstamo es un producto financiero
    • Revisa el coste y el plazo seleccionados, así como el contrato de tu mini préstamo
    • El impago de un micropréstamo conlleva gastos adicionales
    • En caso de duda contacte con nosotros

    ¿Por qué nosotros?

    Creditos urgentes online

    Compromiso de responsabilidad

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    No es magia, es Préstamo 10

    Noticias

    Minicréditos rápidos para autónomos

    La actividad económica independiente es uno de los pilares más importantes de un país, al contribuir con la generación de empleos y a la consolidación de un modelo próspero en el que tienen.

    Minicrédito para reforma

    Cuando se tiene en mente hacer una reforma en casa, puede que encontremos dos estrategias centrales en este gran trabajo por hacer. Por un lado, el deseo de aprovechar mejor los espacios y.

    Minicrédito para las compras de Navidad

    La Navidad es tiempo de celebración, de regocijo, de estar con la familia y los amigos, para cumplir con el ritual religioso que emana de la Iglesia Católica y también por el deseo de disfrutar.

    Ayuda

    Estaremos encantados de atenderte

    De Lunes a Viernes de 9:00 a 20:00

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    RV Insurance – Motorhome Insurance: Farmers Insurance, rv insurance quote online.

    #Rv #insurance #quote #online


    Motor Home Insurance

    Don’t make the mistake of insuring your RV on an Auto policy. Get specialized insurance coverage for your Motor Home.

    What to Look for in a Motor Home Insurance Policy

    Here are some of the myths and realities of Motor Home insurance that you may want to consider:

    Reality

    An auto policy is good enough for my Motor Home.

    Most auto policies don’t cover personal items carried in a Motor Home. Most don’t include liability insurance when the Motor Home is parked and used as a residence. Most do not cover attached accessories like awnings, antennas, roof-top air conditioners and satellite dishes. And most don’t cover expenses for lodging or traveling home if you can’t stay in your Motor Home because of a covered loss. Farmers Motor Home insurance provides all of these benefits.

    A Motor Home is essentially the same thing as a private passenger auto.

    Actually, there are enormous differences. How many cars carry 100 pounds of LP gas, 300 gallons of water and up to 200 gallons of wastewater while they’re traveling down the road? How many cars have refrigerators, sleeping quarters and bathroom facilities? How many cars have built-in ovens or other facilities for open-flame cooking? If you insure you Motor Home with Farmers, you’ll be getting the specialized coverage specific to RVs.

    My homeowners policy will cover all my personal property on the road.

    Most Auto policies don’t include comprehensive coverage for personal belongings, and Homeowners policies typically place strict limits on off-premises coverage and require a sizable deductible to be paid first. Motor Home insurance provides comprehensive coverage for personal belongs, and in most cases doesn’t require a deductible.

    An insurance policy won’t help me if my Motor Homes breaks down.

    Farmers offers TraveLineВ® towing and roadside assistance for today’s RVers. If your motor home is disabled anywhere in the US or Canada, you can call the toll-free TraveLineВ® number for towing or roadside help. Motor Home insurance also includes high limits to cover the towing or servicing of larger RVs, and a sign and drive privilege that covers towing or roadside assistance expenses on the spot.

    Specialized Motor Home Insurance Coverage

    Your RV is more than just an automobile and it needs more than standard car insurance.

    • Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.
    • Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

    Farmers offers important optional coverages that let you customize your policy. These are a few of the most popular coverage options:

    • Total Loss Replacement Coverage protects your motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five years, we’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs. In years six through ten, we’ll give you up to what you paid for it originally toward the purchase of another motor home. This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your motor home at the time it’s destroyed. ACV is the current value of your motor home.
    • Emergency Expenses Coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
    • Campsite/Vacation Liability Coverage provides liability coverage when you are parked and using your motor home as a residence.
    • Replacement Cost Coverage on personal belongings that are destroyed or stolen.
    • TraveLineВ® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your motor home is covered regardless of who is driving!
    • Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your motor home as a vehicle, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.

    Motor Home Insurance Discounts

    Policy discounts vary by state and chances are one or more will apply to your policy. Please contact a Farmers agent to see what discounts are available in your area and to get a Motor Home insurance quote.


    Zoology Degree – Compare Colleges that Offer Zoology

    #zoology #colleges #online


    #

    Zoology Degree

    What is Zoology and Animal Biology?

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

    Educational Requirements

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

    A curriculum in zoology and animal biology may include:

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

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

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

    Employment Opportunities

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

    Salary, Job Growth and Related Fields

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

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

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

    Get Your Degree!

    Get information on programs from our featured schools.


    Cocinas Zaragoza, Astilo Cocinas, cocinas online precios.

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    Cocinas online precios

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    PODRÁS VER LOS TRABAJOS REALES QUE HEMOS REALIZADO EN ZARAGOZA

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    6 RAZONES PARA COMPRAR TU COCINA EN ASTILO COCINAS

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    DESCUBRE LA CALIDAD Y BUENOS PRECIOS DE LAS COCINAS ALEMANAS

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    Bienvenido a Cocinas Astilo

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    Vea nuestro catálogo

    Diseño

    El diseño de una cocina es muy importante, ya que se trata de la estancia de la vivienda donde más tiempo pasamos. Con nuestra experiencia y sus ideas le ayudaremos a realizar la cocina de sus sueños.

    Calidad

    Todas nuestras cocinas superan con éxito pruebas de calidad exigentes que se realizan en nuestros laboratorios. Gracias a ello, podemos ofrecerles 5 años de garantía.

    Ecológico

    Nuestras cocinas se fabrican respetando el medio ambiente y aseguramos que todos los productos de madera provienen de bosques con gestión sostenible. Al adquirir una de nuestras cocinas demuestra su responsabilidad frente al medio ambiente.

    Profesionalidad

    Nuestro equipo técnico de montaje y distribución se encargará de la correcta instalación de su cocina haciéndole de disfrutar desde el primer momento.

    Ahorro

    Ofrecemos la mejor calidad precio respecto a nuestros competidores. Somos de MHK Group dónde se agrupan más de 2200 estudios de cocinas con un volumen de negocio de 4021 millones de euros.

    Bienestar

    Sabemos que en la cocina se trabaja. Por ello disponemos de una infinidad de opciones para conseguir que su cocina se adapte a su forma y estilo, sea agradable, cómoda y placentera para cocinar en ella.

    Calidad Astilo

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  • Qué mandolina comprar? Guía de mandolinas de cocina, comprar cocina online.

    #Comprar #cocina #online


    Que mandolina de cocina comprar

    Una pregunta pregunta que nos hacemos todos los que damos el paso para incorporar a este práctico e indispensable utensilio de corte. Para poder elegir la mandolina que necesitamos debemos justificar nuestra elección con fundamentos sólidos.

    Comprar cocina online

    Mandolinas para cada tipo de usario

    Mandolinas hay de muchas formas y colores. Con filo cerámico como las japonesas Kyocera o en acero inoxidable de marcas como Microplane y de Buyer. También tenemos la mandolina profesional Bron Coucke.

    Que mandolina comprar: la que necesitas

    Contestar a la pregunta que mandolina comprar no es fácil. Queremos presentarte las mejores mandolinas de cocina con sus principales características, para que puedas resolver tu duda con fundamentos. Si estás buscando una mandolina para cocina luego de leer esta propuesta podrás elegir la que mejor se adapte a tus necesidades y presupuesto.

    Pero empecemos por lo básico ¿para qué sirve una mandolina de cocina?

    Las mandolinas son herramientas de corte que te permitirán cortar alimentos con diferentes formas y grosores deslizandolo por encima de las cuchillas de la mandolina. Normalmente debes utilizar un protector o salvamanos para cortar sin riesgo de lastimarte.

    Pero lo mejor es verlas en acción. Aquí podréis ver por ejemplo la mandolina Original de Bron Coucke en acción que reseñamos al final.

    Comprar cocina online

    Las mandolinas de cocina mas sencillas

    Estos modelos de mandolinas se caracterizan por realizar los cortes mas usuales en la cocinadel día a día, ocupan poco espacio y su precio es muy ajustado. Son las mandolinas recomendadas para quienes realizan un uso esporádico en la cocina y no quieren invertir en mandolinas mas caras.

    Comprar cocina online

    Mandolina Microplane

    El fabricante de ralladores de cocina Microplane ha presentado recientemente su mandolina y no ha defraudado. Su modelo de mandolina de cocina permite ajustar en 3 posiciones el corte en lonchas e incluye el accesorio (integrado) para cortar en juliana. Un mango y un pie de apoyo te permiten cortar con seguridad y comodidad. Una mandolina compacta, para uso hogareño con un poder de corte espectacular.

    Tipos de corte que ofrecen las mandolinas Microplane: panadera y juliana y ondulada. El precio de la mandolina es de unos 36 € pero puedes comprar la mandolina Microplane con descuento si aplicas el código soylecuiner&

    Mandolinas cerámicas Kyocera

    Las mandolinas de cocina Kyocera son mandolinas de mano, sin pie de apoyo, aptas para el día a día y existen dos modelos corte en panadera (rodajas) y corte tipo juliana (paja). Las mandolinas tienen en ambos casos un protector de mano. Son muy fáciles de limpiar y mantener gracias a la tecnología de la hoja cerámica de Kyocera. Está disponible en dos colores: rojo y negro.

    Tipos de corte que puedes realizar con las mandolinas Kyocera: panadera y juliana. Su precio ronda los 25 € y puedes comprarlas en Lecuine (5% de descuento con código soylecuiner&).

    Mandolina GSD

    Estas mandolinas alemanas tienen pie de apoyo que facilita el uso. Se venden accesorios para lograr diferentes tipos de corte. Son una excelente opción para uso hogareño ya que son muy fáciles de limpiar y ocupan poco espacio.

    Tipos de corte que ofrecen las mandolinas GSD: panadera, juliana y ondulada. El precio de la mandolina GSD es de unos 33 € pero puedes comprarla con descuento si aplicas el código soylecuiner&

    Mandolinas de cocina avanzadas y profesionales

    Comprar cocina online

    Las mandolinas profesionales que te presentaremos tienen como característica común que pueden realizar múltiples tipos de corte para lo que incorporan diferentes cuchillas intercambiables. El tamaño es sensiblemente mayo que las mandolinas básicas y, evidentemente, su precio es bastante superior.

    Te presentamos los modelos de mandolinas de cocina que tenemos en Lecuine:

    Mandolina Swing de Buyer

    Comprar cocina online

    Esta mandolina francesa de la casa de Buyer es una buena elección para usos intensivos sin que se dispare el presupuesto, ha sido construida en acero inoxidable y polímeros. Utiliza un sistema de cuchillas intercambiables que se ponen o quitan en función del tipo de corte que necesitas de una manera muy sencilla. es fácil de lavar y mantener. tiene pie de apoyo anti-deslizante y un salvamanos protector que viene con la mandolina. Tipos de corte que puedes lograr con la mandolina Swing: panadera, juliana y ondulada en diferentes grosores. El precio ronda los 90 € y puedes comprar la mandolina Swing en Lecuine.

    Mandolina du chef de Bron Coucke

    Comprar cocina online

    Esta mandolina francesa es un modelo apto para cocinillas que quieran sacarle jugo o profesionales de la cocina. Esta mandolina modelo du chef& está construida en totalmente en acero inoxidabl y tiene un pie antideslizante para aumentar la seguridad. Realiza todo tipo de cortes y puedes ajustar el grosor que necesites. Trae todo el juego de cuchillas que necesitas y el necesario protector salvamanos. Su precio es de 135 € y puedes comprarla en Lecuine.

    Mandolina Original de Bron Coucke

    Comprar cocina online

    El modelo original de Bron Coucke es una maravilla. La mandolina más cara de las aquí reseñadas está construida totalmente en acero inoxidable y puede lograr todo tipo de cortes y grosores. Lo que diferencia a esta mandolina de las anteriores es que todo el sistema de cuchillas está integrado en la mandolina, no tiene accesorios externos, y estos se cambian mediante un juego de palacas que tiene en su lateral y parte inferior. Quienes la han probado se enamoran de ella, su precio es de 155 € y el carro protector se compra aparte. Si compras la mandolina Original de Bron en Lecuine y utilizas el código soylecuiner& tienes un 5% de descuento.

    Mandolina de acero inoxidable Kai

    Añadimos en 2017 una nueva incorporación muy interesante: la mandolina de acero inoxidable de Kai. Muy parecida a la Bron, pero ocupa menos espacio. Tiene también 3 cuchillas intercambiables, para 3 tipos de corte, en rodajas y en juliana, cómodamente apoyada en un ángulo de 20º. Es completa y resistente.

    Comprar cocina online

    ¿Y ahora ya puedes responder a la pregunta qué mandolina comprar? Esperamos que si. Puedes dejarnos tus consultas o comentarios.

    En la tienda online Lecuine.com

    Tienes una amplia selección de mandolinas de cocina en Lecuine. Recuerda utilizar el código soylecuiner& para tener un descuento del 5%.

    Comprar cocina online

    Somos un equipo de profesionales que hemos recopilado experiencia a través de los años en utensilios de cocina de calidad.

    Publicado el 25-11-2014 – Última modificación: 13-02-2017


    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.


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

    #Online #medical #billing #courses


    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.


    Medical Billing Course Online Certification, medical billing and coding certificate online.

    #Medical #billing #and #coding #certificate #online


    medical billing and coding certificate online

    Medical billing and coding certificate online Medical billing and coding certificate online

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

    “I am very impressed with this medical billing course! You covered more of the business basics in Chapter 1 than another medical billing course I took did in its entirety! Thank you for putting out a GREAT COURSE!”

    “I was required to be CMBP Certified for my Medical Billing Position. I can’t believe I was afraid. The course is PHENOMENAL and the support is above and beyond what was expected!”

    “This medical billing course was GREAT and well worth the investment! It was very comprehensive and I received great communication from your staff. Thank you so much!”

    “Before I found you, I took a course thru a ‘Medical Billing Association.’ How disappointed I was! I am so thankful to the person who referred me to Medical Billing Course.com! I woke up each day wanting to get back to your course! It made my day. Thank You!”

    “I would have no problem recommending your medical billing course to anyone. The information is top-notch, the staff are wonderful, the resources are EXCELLENT! Much better than any other course I’ve seen!”

    “I love the interactive teaching with all the medical billing forms, the calling of the insurance company and verifying information! I learned a lot! Thanks!”

    “I enjoyed the chapters! Interplay was very helpful to break intimidation and fear. Medical billing is fun.”

    “This medical billing course made a difference for me and I am writing this to let others know that they should not hesitate like I did when I first stumbled upon your course. It’s the GREATEST!”

    “I want to thank Medical Billing Course.com for putting together such a fantastic, inexpensive instruction allowing me to focus on operating my business!”

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

    “I received my certificate from Medical Billing Course.com 2 months ago. I’ll be gaining my 2nd client (fingers crossed) this week! I cannot thank you enough for the confidence your course and support has provided!.”

    “I have completed the first 4 chapters and I’m confident I made a good decision in taking this course. The information provides a good foundation of medical billing knowledge from Chapter 1 and continues to build with each chapter in a logical flow!”

    “Medical Billing Course.com provides an excellent course for physician billing. In no time you are doing the actual billing in real medical billing software – receiving genuine experience in what medical billing is all about!”

    “I was so impressed with the training my wife received taking your medical billing course that I will not hesitate to refer my colleagues to you for their staff medical billing instruction needs!”

    “I would wholeheartedly recommend this course to anyone interested in Medical Billing. I did a lot of research before I settled on this course and I couldn’t be any happier with my choice. What sets this course apart is the practical examples and test that are included, but the best part of the course was working with a actual software, and going through a realistic scenario that you would face on a typical basis.”

    “I was hired by a local pediatric office to do their medical billing! They have my medical billing certificate hanging on the wall. Thank You Medical Billing Course.com!”

    “I LOVED THE COURSE! For a beginner like myself, I thought I would have a hard time understanding the whole billing concept but that was not the case. The Medical Billing Course was easy to follow and understand. My instructor was there for me and addressed my needs in a timely manner. I would definitely recommend Medical Billing Course!”

    Medical billing and coding certificate online

    The Highest Recognition in Medical Billing Education & Certification Since 1999

    Certified Medical Billing Professional (CMBP)

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

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

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

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

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

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

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

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

    Our programs are extremely affordable. We provide a discount for your one time payment but we also provide interest free payment plans for those who need it. Payments are scheduled monthly, but you are able to login to your Student Payment Portal and make payments on your own schedule should you choose to do so.

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

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

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

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

    Medical billing and coding certificate online

    Medical billing and coding certificate online


    Deutsch-Polnisch Wörterbuch, Glosbe, wörterbuch polnisch deutsch online.

    #Wörterbuch #polnisch #deutsch #online


    Deutsch Polnisch Wörterbuch Online

    Willkommen zum Wörterbuch Deutsch – Polnisch. Bitte schreiben Sie das Wort oder die Phrase, die Sie überprüfen möchten in das Textfeld auf der linken Seite.

    Glosbe beherbergt Tausende von Wörterbüchern. Wir bieten Ihnen nicht nur Wörterbuch Deutsch – Polnisch, sondern Wörterbücher für jedes existierende Paar von Sprachen – online und kostenlos. Gehen Sie auf unsere Homepage, um aus den verfügbaren Sprachen wählen.

    Translation Memory

    Glosbe Wörterbücher sind einzigartig. Auf Glosbe können Sie nicht nur Übersetzungen in der Sprache Deutsch oder Polnisch nachschlagen: wir erklären auch die Nutzung, indem wir Dutzende von Beispielen übersetzter Sätze zeigen. Dies ist als “Translation Memory” bekannt und ist sehr nützlich für Übersetzer. Man sieht nicht nur die Übersetzung des Wortes, sondern auch, wie es sich im Satz verhält. Unsere Translation Memories kommen hauptsächlich aus parallelen Korpora, die von Menschen gemacht wurden. Solche übersetzten Sätze sind sehr nützliche Ergänzungen eines Wörterbuches.

    Statistik

    Derzeit haben wir 206.882 übersetzte Phrasen. Derzeit haben wir 20.515.061 übersetzte Sätze

    Zusammenarbeit

    Helfen Sie uns bei der Schaffung des größten Deutsch – Polnisch Wörterbuch online. Einfach einloggen und neue Übersetzung aufnehmen. Glosbe ist ein gemeinsames Projekt und jeder kann Übersetzungen hinzufügen (oder entfernen). Das macht unser Wörterbuch Deutsch Polnisch so gut, dass es von Muttersprachlern erstellt wird, die die Sprache jeden Tag verwenden. Sie können auch sicher sein, dass jeder Fehler im Wörterbuch schnell beseitigt wird, so können Sie sich auf unsere Daten verlassen. Wenn Sie einen Fehler entdecken oder Sie sich in der Lage befinden, neue Daten hinzuzufügen, tun Sie es bitte. Tausende von Menschen werden Ihnen dafür dankbar sein.

    Sie sollten wissen, dass Glosbe kein Wort speichert, sondern eher die Vorstellung davon, was das Wort bedeutet. Dank diesem Konzept, sobald Sie eine neue Übersetzung aufnehmen, werden Dutzende von neuen Übersetzungen erstellt! Helfen Sie uns dabei, die Glosbe Wörterbücher zu entwickeln und sehen zu, wie Ihr Wissen Menschen rund um den Globus hilft.


    Term Life Insurance Canada – Life Insurance Inc, online life insurance rate.

    #Online #life #insurance #rate


    Online life insurance rate

    Online life insurance rate

    We are independent Canadian Life Insurance Brokers. Shop online for term life insurance quotes and critical illness insurance quotes

    nobody quotes more companies.

    Online life insurance rate

    Types of Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Online life insurance rate

    Critical Illness Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).

    Online life insurance rate

    Term Life Insurance

    Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?

    Online life insurance rate

    No Medical Exam Insurance

    Critical illness insurance in Canada is a hot product. But beware! You must be educated on what’s covered – it may not be what you think. And your broker may not drill down to this level – so make sure you do. If you’d like a personal consultation on critical illness, please call Glenn toll free at 866.662.5433. (also if you just want to skip the education and jump right to having someone provide you professional advice by phone).


    Progressive: Ranked One Of The Best Insurance Companies, online motor insurance quotes. #Online #motor #insurance #quotes


    Get insurance for almost anything you need

    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Discount varies and is not available in all states or situations

    Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

    A leader in boat insurance from 2016 Millward-Brown national survey data.

    No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

    Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


    Confronta i mutui on line e risparmia – Calcolo mutuo, Il Sole 24 Ore Mutui Online, calcola mutuo online. #Calcola #mutuo #online


    Richiedi online il tuo mutuo e risparmi

    E’ il mutuo per comprare l’abitazione principale. Consente di ottenere importi sino al 100% del valore dell’immobile. Per questi mutui и prevista una detrazione fiscale sugli interessi passivi pagati.

    E’ il mutuo per comprare tutte le abitazioni che non siano la prima (2°, 3°, ecc.ecc.). Consente di ottenere importi sino al 100% del valore dell’immobile. Non и prevista detrazione fiscale.

    Acquisto in asta giudiziaria

    Permette di acquistare casa partecipando ad un’asta giudiziaria. Per il trasferimento della proprietа non si deve pagare alcuna spesa notarile, inoltre и possibile usufruire dei benefici fiscali per la “prima casa”.

    E’ il mutuo per comprare l’abitazione, che consente di ottenere una somma aggiuntiva di liquiditа, da utilizzare per le proprie esigenze. Per questi mutui и prevista una detrazione fiscale sugli interessi passivi pagati per la quota relativa all’acquisto.

    E’ il mutuo per comprare l’abitazione, che consente di ottenere una somma aggiuntiva per i lavori per la sistemazione, interna e/o esterna di un immobile ad uso abitativo. La somma puт essere erogata in un’unica soluzione all’atto oppure a “stato avanzamento lavori” per la parte destinata alla ristrutturazione. Per questi mutui и prevista una detrazione fiscale sugli interessi passivi.

    Acquisto Prima Casa Consap

    E’ il mutuo per comprare l’abitazione principale. Consente di ottenere importi sino al 100% del valore dell’immobile. Il finanziamento si avvale della garanzia del Fondo Prima Casa Consap, che copre il 50% della quota capitale. Per questi mutui и prevista una detrazione fiscale sugli interessi passivi pagati.

    Surroga (Cambia mutuo a spese zero)

    Permette di trasferire il proprio mutuo (che attualmente si sta rimborsando) senza sostenere costi notarili o bancari per la parte di importo residuo del mutuo originario, e consente di ottenere una somma aggiuntiva di liquiditа, da utilizzare per le proprie esigenze.

    Consente di ottenere fino al 100% del costo dei lavori per la sistemazione, interna e/o esterna di un immobile ad uso abitativo. La somma puт essere erogata in un’unica soluzione all’atto oppure a “stato avanzamento lavori”. Non и prevista detrazione fiscale.

    Consente di estinguere i debiti (mutui e prestiti) in corso e avere cosм una sola rata da pagare (piщ bassa della somma delle rate precedenti), ottenendo eventualmente anche una quota di liquiditа aggiuntiva.


    Progressive: Ranked One Of The Best Insurance Companies, auto insurance online quotes. #Auto #insurance #online #quotes


    Get insurance for almost anything you need

    The #1 Insurance Site

    Copyright 1995 – 2018. Progressive Casualty Insurance Company . All Rights Reserved.

    We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

    *National average annual car insurance savings by new customers surveyed who saved with Progressive in 2016.

    Progressive Home Advantage policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA’s commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA s commission. Discounts not available in all states and situations.

    Discount varies and is not available in all states or situations

    Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

    A leader in boat insurance from 2016 Millward-Brown national survey data.

    No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

    Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver (“Everyday”) auto insurance carriers.

    Learn more about comparison rates, which are available through Progressive Direct in most states and situations. Rate comparisons provided here are based on our Progressive Direct auto insurance price and product, and do not include prices and products available from Progressive agents.

    Name Your Price is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.


    Affordable Car Insurance Quotes and Rates Online, cheap online insurance. #Cheap #online #insurance


    Personal Auto Insurance

    Looking for affordable insurance? We know that it can be difficult to find the right insurance that fits your needs. That’s why, here at Titan, we want to help you make sure you get the right coverage that fits your needs.

    Why choose Titan for an affordable vehicle insurance policy?

    From the time you establish your auto insurance policy with Titan, you’ll notice a difference. With Titan, you’ll get helpful customer service, local agents and great auto insurance for as little as $1 a day.

    From the minimum state required limits to full coverage, our policies are tailored to meet your unique needs and budget.

    Titan’s affordable insurance coverage options include:

    Liability insurance coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others’ medical costs and lost wages subject to policy coverage provisions and limits. Liability coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

    Many state laws require liability coverage. Each state has its own minimum requirement.

    Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

    Uninsured or underinsured motorist coverage helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured motorist coverage also helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or underinsured driver results in injury.

    This car insurance coverage may also pay for lost wages and other damages. Auto coverage varies from state to state and is required in some states.

    If you are injured in an accident, medical payment coverage can help pay for your medical expenses.

    When used together, comprehensive and collision coverage are great ways to protect your vehicle. Comprehensive coverage may cover damage to your vehicle not caused by collision.

    Titan also offers additional types of insurance coverage to supplement your auto policy. Designed to protect you against the unexpected, these coverage options include roadside assistance if your car breaks down, towing and labor if you’re stranded and rental reimbursement to cover the cost of a rental car while your vehicle is in the shop for accident-related repairs.

    Is it possible to get affordable car insurance for high risk drivers?

    If you have a less-than-perfect driving record, it can be difficult to find an insurance company that provides affordable car insurance for high risk drivers — or “non-standard” insurance.

    At Titan, we understand that accidents can happen to anyone at any time. That’s why we offer affordable policies that help you get back on track.

    You may be considered a high risk driver if any of the following apply:

    • You have multiple speeding tickets or traffic violations in a short period of time
    • You have more than 6 points on your driving record
    • You’ve had at-fault accidents while uninsured
    • Your record includes a DUI/DWI conviction
    • You’re a teen driver
    • You’ve had a lapse in coverage

    What is an SR-22?

    If you’re considered a high risk driver and have had your driver’s license suspended, a court may require you to carry what’s known as an SR-22 in order to have your driving privileges reinstated. An SR-22 document states that you’re financially responsible and carry your state’s minimum liability insurance limits. Your SR-22 status will likely continue for at least 3 years, during which time you must maintain a high risk auto insurance policy. Otherwise, you may risk having your license suspended.

    How to get affordable vehicle insurance by leveraging available discounts

    You may be a high risk driver, but that doesn’t mean you can’t get the discount auto insurance coverage you need. At Titan, we offer a variety of discounts to help you get affordable vehicle insurance – like maintaining an accident-free driving record, insuring multiple vehicles and more.

    3 easy ways to get an affordable car insurance quote

    Call your local agent or get an affordable car insurance quote online and find out how much you can save. You may qualify for a discount for even cheaper auto insurance.

    • Get affordable auto insurance online by entering your zip code at the right
    • Call 1-800-TITAN-UP (1-800-848-2687)
    • Find a Titan Insurance agent or broker near you

    Need to understand the minimum auto insurance coverage that’s right for you? Talk to a Titan representative about affordable insurance coverage that can help protect you if you’re in an accident. And for even more affordable coverage, check our discounts on auto insurance.


    Confronto spread mutui e tassi: tendenze e previsioni, mutui online. #Mutui #online


    Mutui online

    Ti proponiamo una tabella comparativa in cui abbiamo individuato gli spread applicati dalle principali banche operanti sul mercato italiano. In particolare i parametri considerati per effettuare questo confronto sono:

    (Muto Valore Italia Base)

    (Muto Valore Italia Base)

    (Muto Valore Italia Super)

    *Gli spread di Ing Direct fanno riferimento ad un mutuo di 200.000 euro. Inoltre la durata del mutuo a tasso fisso è pari a 15 anni.

    Ciò che determina qualsiasi ‘negozio è l’incontro tra una domanda e un’offerta, e per il denaro non c’è nessuna differenza, anche se si tratta di un concetto che spesso sfugge a coloro che usano il denaro per ottenere dei beni o servizi, ma che rimane al centro delle scelte di chi ha fatto della “compravendita” di denaro il suo business come ad esempio le banche.

    Quindi se si vuole comprendere il perché gli spread sui mutui (vedi anche Mutuo spread basso) hanno andamenti spesso contrastanti con il costo ufficiale del denaro stesso (la Bce abbassa i tassi ma gli spread non si muovono o si muovono nella direzione opposta), basta focalizzare l’attenzione sul funzionamento generale del rapporto tra domanda e offerta per la determinazione del prezzo e cioè:

    • se l’offerta supera la domanda il prezzo scende per cercare di interessare un lato della domanda ancora più ampio;
    • se la domanda supera l’offerta chi vende alza il prezzo sfruttando la propria forza e guadagnare di più.

    Le banche hanno inoltre la ‘tendenza a muoversi in blocco, per cui rafforzano la posizione dominante appiattendo sostanzialmente l’offerta.

    Le tendenze passate degli spread

    In un recente passato è divenuta evidente la discrasia tra gli spread sui mutui e la discesa del costo del denaro: la domanda premeva su un’offerta che si era fatta molto selettiva ed esigente, riducendo il numero di mutui (sia come numero ma anche come proposte) e quindi portando a una lievitazione del “prezzo” dei mutui stessi (inteso come guadagno) da parte delle banche.

    La ragione è stata legata a tre fattori e precisamente:

    • la crisi economica ha reso molto più rischioso il finanziamento a lungo termine (come nel caso dei mutui), come testimoniano le numerose moratorie concordate tra banche e associazioni dei consumatori (quindi il maggiore rischio deve essere compensato da un maggior guadagno);
    • sul mercato finanziario c’erano prodotti che rendevano molto di più rispetto all’erogazione di finanziamenti;
    • i problemi di liquidità richiedevano un impiego molto più razionalizzato del denaro stesso.

    Previsioni sul futuro degli spread dei mutui

    Già alla fine del 2013 si è registrata una tendenza opposta, con una riduzione degli spread, il che costituisce un movimento generalmente anomalo, dato che la fine dell’anno e l’inizio di quello successivo è generalmente caratterizzato da ridotta liquidità (per il pagamento dei dividendi, la contabilizzazione di alcuni costi e i flussi di cassa che devono essere regolarizzati, ecc).

    Aspetto che porta ad un aumento del costo del denaro e che generalmente trattiene le banche dal mettere in campo delle novità come quella di riproporre degli spread appunto più ‘ragionevoli. Nonostante ciò numerose banche hanno, alla fine del 2013, scelto questa strada il che ha portato a una riduzione degli spread, ancora insufficiente rispetto al livello pre-crisi, ma comunque più che percettibile.

    Nel prossimo futuro questa tendenza diverrà probabilmente più consistente, dato che alcune tra le principali banche dovrà mettere in campo la nuova offerta dei mutui per non restare tagliata fuori da quella che viene vista come l’alba di una concreta ripresa del mercato immobiliare e quindi di quello dei mutui.

    Nuove tendenze sugli spread dei mutui?

    Uno degli aspetti che emerge dalle ultime offerte è quello della diversificazione degli spread rispetto al LTV (rapporto tra finanziamento e capitale disponibile sul prezzo da pagare). Ma si tratta realmente di una nuova tendenza? In realtà no, dato che questo tipo di logica è stata adottata da diversi anni dalle banche: con un LTV al di sotto di una soglia (generalmente il 60% o il 70%, e l’80%) si ottiene una riduzione dello spread, semplicemente perché una persona che ha una buona capacità di risparmio presenta un margine di rischio minore rispetto a chi si deve indebitare molto di più.

    Viene da domandarsi infine che cosa sia cambiato rispetto al passato, e la risposta è addirittura banale: le banche un tempo agivano senza dover dare troppe spiegazioni, ed in più l’abuso di mutui 100% non faceva nemmeno emergere la necessità di rendere edotti i propri clienti.

    La crisi ha dimostrato che invece una maggiore cultura in ambito finanziario avrebbe giovato un po a tutti, ed in più oggi i clienti si sono fatti più attenti, anche grazie all’obbligo di una maggiore informazione e trasparenza.


    Online and On-Campus Medical Billing Program, Herzing, medical billing and coding online programs. #Medical #billing #and #coding #online #programs


    Medical Billing

    The healthcare industry relies on skilled medical billing professionals to accurately document patient records, submit claims for reimbursement and collect payment for the services provided. Earning your associate degree or diploma is a great place to start preparing for a career in this growing field. And with Herzing’s online medical billing classes, you’ll have the flexibility to learn and earn your degree or diploma from work, home, or wherever it’s convenient.

    20 Months / 61 Credits

    12 Months / 44 Credits

    What do medical billing and insurance coders do?

    • Enter patient information into computer databases
    • Code the proper procedures and diagnoses
    • Send the information to the appropriate patients, insurance companies, doctors and medical facilities

    Learn more today!

    A growing field for skilled professionals

    When you earn your Insurance Billing and Coding Specialist associate degree or diploma from Herzing, you’ll be prepared to join the booming healthcare field.

    Individuals with medical billing and coding degrees are in high demand across the healthcare industry. Positions exist in all areas of healthcare including doctors’ offices, insurance companies, hospitals, clinics, assisted living facilities, or any other healthcare provider.

    Medical billing and coding online programs

    Medical Billing Career Paths

    Medical billing professionals with a strong background in medical coding are expected to be in particularly high demand. Other professionals will be needed to manage the entire process, check for accuracy and secure the information as required by law.

    More job openings are expected in doctors’ offices because of increasing demand for detailed records, especially in large group practices. New opportunities for medical billing professionals will also happen in home healthcare services, outpatient care centers, hospitals and nursing and residential care facilities.

    Some examples of career paths for Herzing University graduates include:

    • Medical Coder
    • Insurance Claims Analyst
    • Coding Specialist
    • Abstractor
    • Medical Office Administrator
    • Coding Technician
    • Medical Billing Specialist
    • Medical Clerk
    • Health Information Specialist

    As a student in Herzing University’s insurance billing and coding specialist program, you’ll prepare to work as either a medical biller or medical coder. As a graduate, you may also choose to incorporate both career paths as some employers seek one person who is capable of performing both functions.

    Insurance Billing and Coding Specialist Salary

    Salaries for insurance billing and coding professionals depend on level of education, experience, credentials earned, and geographic location.

    The American Academy of Professional Coders compiles an annual salary survey that includes certified and non-certified medical coding professionals. See the latest result at AAPC Salary Survey to help you gain a better understanding of your earning potential.

    Work Environment

    With a career as an insurance billing and coding specialist, you can typically expect a 40-hour work week in an office environment such as a healthcare facility or agency setting. Insurance Billing and Coding Specialists often receive a comprehensive benefit package that includes health insurance, paid vacation, and a retirement savings plan such as profit-sharing or 401(k). Some employers have part-time opportunities available as well.


    I migliori siti dove vendere oggetti usati su Internet, dove vendere auto usate online. #Dove #vendere #auto #usate #online


    Web & Digital

    per i clienti Fastweb casa

    10GB Internet 4G

    I vecchi mercatini di quartiere – alla Porta Portese, per intendersi – sono ormai un ricordo del passato. Al posto di bancarelle piщ o meno improvvisate ammassate lungo i marciapiedi, infatti, oggi troviamo piattaforme web e applicazioni per iOS e Android che permetto agli internauti di vendere gratis online. Diversi i vantaggi della soluzione informatizzata rispetto a quella da “marciapiede”: dalla possibilitа di poter vendere su tutto il territorio nazionale alla sicurezza dei pagamenti, passando per la capacitа di pubblicizzare le proprie vendite sui propri profili social.

    Diversi i siti per vendere online che consentono agli utenti di creare un mercatino dell’usato online e cercare acquirenti per i loro oggetti inutilizzati. Ci sono siti specializzati, ad esempio, nel vendere libri usati online o nel vendere smartphone online; altre piattaforme “generaliste” che consentono di creare annunci gratis (o pagando una piccola commissione) e vendere online oggetti di ogni tipo. L’importante и conoscere le caratteristiche di ognuna e scegliere consapevolmente quella che fa piщ al proprio caso.

    Nasce nel 1995 con il nome di AuctionWeb (piщ o meno “aste sul web” in italiano) e ben presto si trasforma in eBay, la “baia” digitale e virtuale dove vendere online di tutto. Facile da utilizzare, vendere online su eBay и alla portata di tutti: dopo essersi registrati e aver creato un profilo da venditore, si potranno creare delle inserzioni sia sotto forma di asta online, sia offrendo prodotti a prezzo fisso. Nel primo caso, si dovrа impostare una durata massima per l’asta (solitamente 10 giorni) e l’oggetto sarа aggiudicato all’utente che offrirа la cifra piщ elevata; nel secondo caso l’inserzione ha una durata massima di 30 giorni e potrа essere acquistato da chiunque sia disposto a pagare la cifra stabilita dal venditore. Quanto costa vendere su eBay? Le tariffe sono molto vantaggiose nel caso si vendano pochi oggetti al mese. Le prime 50 inserzioni mensili, infatti, sono gratis; dalla 51esima in poi si dovrа pagare un fisso di 35 centesimi ogni nuovo oggetto messo in vendita. In caso di trattativa a buon fine, eBay trattiene anche una percentuale sul prezzo finale di vendita.

    Subito.it

    Portale di annunci di livello europeo, Subito.it somiglia piщ a un mercatino dell’usato online di quanto non gli somigli eBay. A differenza della piattaforma statunitense, infatti, Subito.it consente di creare inserzioni “geolocalizzate”, cosм da trovare acquirenti nelle nostre vicinanze. Vendere oggetti su Subito и piщ semplice di quanto si possa immaginare: dopo aver creato un profilo, si clicca sul pulsante “Inserisci annuncio” e si segue la procedura guidata, compilando tutti i campi e selezionando regione, provincia e comune nel quale si trova l’oggetto in vendita. Creare inserzioni su Subito.it и gratis per la grande maggioranza delle categorie “merceologiche”, mentre per alcune si dovrа pagare un fisso una tantum. L’inserzione sarа visibile per un periodo di due mesi, trascorso il quale sarа necessario inserirlo ex novo.

    Depop

    Depop и una piattaforma per vendere online direttamente dal proprio smartphone. Grazie alle app per sistemi iOS e Android, gli utenti potranno creare un mercatino dell’usato online e mettere in vendita gli oggetti di cui non hanno piщ bisogno. L’utilizzo di Depop и, come si puт immaginare, facile e immediato e “tarato” sulle funzionalitа della stragrande maggioranza degli smartphone oggi in commercio. Per creare un’inserzione si avrа bisogno, ovviamente, di un profilo sulla piattaforma e di un telefonino con fotocamera: si scatta una foto dell’oggetto e si prosegue con la procedura guidata. Si dovrа inserire l’indirizzo dove si trova l’oggetto, una descrizione originale (corredata, magari, da qualche hashtag per aiutare nella ricerca), prezzo di vendita e metodo di pagamento. Se qualcuno acquisterа gli oggetti in vendita nel nostro mercatino dell’usato online, Depop tratterrа il 10% del prezzo finale (comprese le spese di spedizione).

    Kijiji

    Piattaforma di annunci online legata a eBay, Kijiji permette di creare un piccolo mercatino dell’usato online personale e disfarsi cosм degli oggetti che non si utilizzano piщ da tempo. Anche in questo caso, creare un’inserzione и semplice e immediato e non richiede l’iscrizione: per mettere in vendita sarа sufficiente collegarsi all’home page del servizio e cliccare su “Inserisci” in alto a destra e riempire i vari campi del form. Qui si sceglie la categoria “merceologica”, si indica la localitа in cui si trova l’oggetto e si indica il prezzo di vendita. La creazione dell’annuncio и gratis e resterа nell’elenco per 60 giorni prima di essere eliminato. L’utente dovrа invece pagare per pubblicizzare il proprio annuncio sulla Kijiji e renderlo cosм piщ visibile rispetto a prodotti simili.

    Bakeca

    Altro sito di annunci gratis, Bakeca.it и simile per funzionalitа e funzionamento a Subito.it e Kijiji. Come gli altri due portali, infatti, permette agli internauti di inserire oggetti in vendita e fare cosм spazio in casa. Per pubblicare un annuncio basterа cliccare sul pulsante “Pubblica annuncio” in alto a destra e, anche senza aver creato un profilo, sarа possibile riempire i campi della propria inserzione. L’inserzione sarа visibile per 90 giorni e potrа essere pubblicizzata a pagamento, cosм da migliorarne la visibilitа.

    Autoscout24

    Anche se и possibile vendere auto online anche sulle piattaforme viste sinora, Autoscout 24 si и conquistato nel corso degli anni il ruolo di mercatino dell’usato online per auto e motocicli di qualunque genere. Vendere auto usate и molto semplice: si segue la procedura guidata scegliendo il modello da mettere sul mercatino dell’usato e inserendo una propria descrizione e valutazione, il tutto corredato con foto. L’annuncio и completamente gratuito.

    Riceverai settimanalmente le notizie più


    Life Insurance Rates: Compare Life Insurance Quotes, affordable life insurance online. #Affordable #life #insurance #online


    Life Insurance Rates

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    Whole Life Insurance

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    • Annually adjustable death benefit
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    • Also known as second to die life insurance or joint insurance
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    The Importance of Life Insurance

    Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

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    Online Medical Billing – Coding Schools, online medical billing and coding schools. #Online #medical #billing #and #coding #schools


    Online Medical Billing Coding Schools

    Online medical billing schools and online medical coding schools make it possible to gain a career-focused education in the field of medical billing and coding for students who have full-time jobs, are stay-at-home parents, are in the military, or have other time commitments.

    Students of online medical billing schools and online medical coding schools can attend class around their current schedules, studying from coffee shops, restaurants, or from home. The only supplies needed are a computer with Internet, required course textbooks, and the ability to manage time to complete assignments.

    How Online Medical Billing Schools and Medical Coding Schools Work

    In general, online medical billing and coding programs work the same way as traditional, campus-based schools. Classes are taught by instructors who assign reading, assignments and homework, and students take notes, turn in assignments and meet due dates. Course subjects are typically the same, and online classes are worth the same credits as traditional classes.

    The primary difference between online medical billing and coding schools and traditional programs is that everything in an online school program is carried out electronically. Communication is carried out on message boards, through chat, and through email. Assignments in online medical billing and coding programs are downloaded and turned in through email or by posting to an online portal. Students can log into the online school as their schedules permit.

    Of course, attending an online medical billing and coding program has other distinctions. Attending class regularly is entirely up to the student, so a degree of self-discipline is required.

    A few strengths of online medical billing and coding programs are:

    Weaknesses of online medical billing and coding programs include:

    • No Face-to-Face Interaction
    • More Self-Discipline Required
    • Reliable Internet Connection Required

    Choosing the Right Online Medical Billing and Coding School

    An important tip about attending an online medical billing and coding school is to seek an accredited program. Just like traditional programs, online medical billing and coding programs become accredited to demonstrate a level of quality consistent with industry standards. Online medical billing and coding program accreditation is important to being competitive on the job market, and is required if you plan to pursue certification after graduation.

    Two of the most well-known organizations that accredit medical billing and coding schools are AHIMA and AAPC.

    In addition to accreditation, here are a few other things to look for when researching online medical billing and coding schools:

    • Career Services
    • Experienced Teaching Staff
    • Online Library and Database Resources
    • Reliable Web System

    Details such as these can often be seen on review sites such as StudentsReview.com or by speaking directly with school representatives.

    Online Medical Billing and Coding Programs Enrolling Now

    Online medical billing and coding schools

    Keiser University eCampus Online

    Since 1977, Keiser University has provided quality student-centered, career-focused education. Keiser University Online offers degree programs online to prepare students for in-demand professions. Degrees are offered with a curriculum that is in pace with technology and workforce demand trends in business, criminal justice, health care, information technology and more. Our one-class-at-a-time approach allows busy students to focus on their education and balance the demands of work and family.

    Why Keiser University Online? Online Convenience, Personalized Attention

    From admissions to faculty, our staff is dedicated to student care:

    • One-class-at-a-time scheduling. Instead of juggling multiple assignments and exams, take one class for four weeks before moving on.
    • Small classes with accessible staff and faculty that foster a student-centered learning community
    • State-of-the-practice online classroom technology and user-friendly format to enhance learning
    • Extensive online resources that include information and access to all student services
    • Career-Focus
    • Financial aid and scholarships are available for those who qualify
    • Military friendly. Keiser University offers scholarships to qualified veterans, active-duty military personnel and their dependents. Keiser is a Yellow Ribbon Program participant and approved for veterans training.

    Keiser is one of Florida s largest independent universities and a valued choice for career-motivated students. Keiser University Online offers degrees in fields that are in demand and provides job placement assistance to its students and alumni. We research trends for growing fields and tailor our curriculum to prepare students for entry and advancement to rewarding careers.


    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, online insurance rates. #Online #insurance #rates


    Auto Insurance

    Get an auto insurance quote

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

    Why Farmers Auto Insurance is a Smart Choice

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

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

    Car insurance with Farmers means:

    Control over your policy

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

    Personalized attention

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

    Insight and guidance

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

    Convenience

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

    Smart savings

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

    24/7 protection

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

    Customize your Auto Insurance policy with plenty of coverage options

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

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

    Consider additional coverage options* like:

    Accident Forgiveness

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

    No Fault, No Foul

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

    Small Claim Forgiveness

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

    Incident Forgiveness

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

    Farmers Rideshare

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

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

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

    *Not available in all states.

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

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


    Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, online insurance quote. #Online #insurance #quote


    Auto Insurance

    Get an auto insurance quote

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

    Why Farmers Auto Insurance is a Smart Choice

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

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

    Car insurance with Farmers means:

    Control over your policy

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

    Personalized attention

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

    Insight and guidance

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

    Convenience

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

    Smart savings

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

    24/7 protection

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

    Customize your Auto Insurance policy with plenty of coverage options

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

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

    Consider additional coverage options* like:

    Accident Forgiveness

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

    No Fault, No Foul

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    Il mutuo cambia pelle. Da sempre è uno di quei prodotti che offrono agli istituti di credito margini interessanti a fronte di rischi molto contenuti. Soprattutto in mercati come quello italiano in cui l’appeal della proprietà dell’immobile è ancora molto forte a differenza del N.

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    Un mezzo per tenere ancorati nel lungo periodo dei clienti a cui proporre altri prodotti finanziari su cui guadagnare di più (contratti assicurativi, prodotti di risparmio gestito) attraverso logiche di cross selling. Una strategia che emerge in modo lampante osservando le attuali offerte a tasso fisso (che rappresentano oltre il 70% dei mutui erogati/surrogati nel 2017). Gli spread applicati su questi prodotti sono crollati addirittura sotto lo 0,2% mentre nella migliore delle ipotesi quelli sul tasso variabile viaggiano allo 0,95%. Certo, il tasso finale pagato dal mutuatario non è composto solo dallo spread deciso dalla banca. A questo bisogna poi aggiungere l’indice Eurirs pari alla durata del mutuo nel caso del tasso fisso e l’Euribor (che dal 2015 è negativo e quindi andrebbe sottratto) sul variabile. Fatte le dovute somme il variabile (in termini di tasso finale) torna ad essere in partenza più competitivo (di circa 100 punti base) rispetto al fisso. Ma la distanza sulle durate brevi (10 anni) – dove il sovrapprezzo dell’Eurirs è minore rispetto all’Euribor – scende a 30 punti base.

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    Un altro motivo per cui alle banche ora “conviene svendere” i fissi è che in questo modo la probabilità che un nuovo mutuatario effettui una surroga (cambi banca) sugli anni futuri è praticamente assente, quindi erogando un mutuo a tasso fisso oggi si riesce a fidelizzare un cliente per 20-30 anni senza dover poi incorrere in eventuali costi o perdite di guadagno correlate a un’estinzione anticipata del mutuo.

    Tassi fissi intorno all’1-1,5% rappresentano per certi versi una sorta di “saldi di fine Qe”. Le ragioni per cui oggi sono piombati ai minimi sono legate alla politica espansiva adottata dalla Bce dalla primavera del 2015 quando, dopo aver azzerato il costo del denaro, ha aggiunto un’iniezione costante di liquidità sui mercati che ha portato i tassi ai minimi termini. Queste politiche stanno però per giungere al termine. A settembre la Bce dovrebbe terminare gli acquisti di titoli (quantitative easing) e dalla primavera del 2019 dovrebbe alzare i tassi. Il che lascia pensare che sul fronte mutui siamo nel momento più basso della curva dell’offerta. Nei prossimi mesi i tassi proposti potrebbero risalire, un po’ perché gli Eurirs stanno già crescendo (anticipando le prossime mosse della Bce). E un altro po’ perché è francamente difficile ipotizzare che la “svendita” possa continuare a lungo.


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