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Cè una costante che accomuna tutte le case: la necessità di avere armadi capienti e spaziosi capaci di soddisfare le esigenze di spazio per riporre abiti. Inoltre, lo ricordiamo, gli armadi non servono solo a contenere in maniera ordinata sia abiti appesi che piegati in cassetti e ripiani, ma spesso servono per riporre biancheria letto come lenzuola e coperte, ma anche accessori come borse, scarpe, sciarpe e molto altro ancora.

In genere, soprattutto nel caso degli adulti, negli armadi si stipano sempre più capi: ai vecchi capi che non abbiamo il coraggio di eliminare, anche se magari non portiamo da anni, si aggiungono i nuovi acquisti.

Quindi, serve creare spazi capaci di adattarsi alla nostra tipologia preferita di abiti, con gli accessori adatti a contenerli e a massimizzare la loro funzionalità.

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Ikea offre la possibilità di poter godere del versatile sistema di guardaroba PAX.

Optando per questo ormai iconico modello, è possibile creare un armadio praticamente personalizzato e su misura a partire dalla scelta della dimensione, dello stile e del colore del mobile per la stanza da letto sia di adulti che di ragazzi.

Anche online, direttamente dal sito IKEA si può accedere al link per la progettazione dell armadio componibile PAX di Ikea adatto alla propria casa .

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Con Planner PAX 3D si inizia selezionando la combinazione preferita e adatta a esigenze e spazi di casa, poi si personalizza nellarea dedicata e infine si salva il progetto, lo si stampa e si può proseguire con lacquisto online.

Si può scegliere la soluzione ad anta singola, doppia, tripla o ancora più grande, con ante a battente, scorrevoli, a specchio. Si possono selezionare non solo la dimensione e le finiture esterne dellarmadio ma anche quelle interne per ottenere una soluzione personalizzata e adatta a soddisfare il nostro bisogno di spazio. Il risultato sarà un guardaroba unico, che possa offrire gli spazi a noi necessari sia ad appendere che a conservare abiti piegati sui ripiani o nei cassetti.

A seconda della metratura e della piantina della camera da letto di grandi o ragazzi, sarà possibile lavorare da soli con la progettazione online tramite sito o farsi assistere nei negozi IKEA da esperti venditori allo scopo di ottenere, prima su carta e poi vederlo arrivare nella propria abitazione, larmadiatura che desidera. Si possono accostare moduli, lavorare per unaccurata selezione degli accessori interni disponibili in quantità, per assecondare bisogni di ciascuno, tutto allinsegna della funzionalità e della praticità, senza mai far mancare un design giovane e sempre verde.

La lunghezza dei moduli va dai 50 cm per lanta singola ai 3 metri.

Due le altezze tra cui scegliere: 201 cm o 236 cm, mentre la profondità della struttura parte da 38 cm a 210 cm.

Già sul sito IKEA si possono vedere tante possibili combinazioni da cui prendere spunto o da utilizzare come idea di partenza apportando modifiche che si ritengono migliorative.

Le ante scorrevoli IKEA saranno perfette per chi deve ottimizzare lo spazio e non può permettersi di perdere un vano prezioso ricorrendo alle ante battenti. Il numero stesso delle ante dipenderà dalluso e ancora di più dallo spazio che si ha a disposizione.

Inoltre, le soluzioni componibili che offre il guardaroba PAX permettono di ottenere uno spazio chiuso o totalmente aperto tipo di open space, oppure un misto tra le due cose.

Il guardaroba PAX può essere strutturato con composizione lineare ma anche angolare, dove lo spazio lo permette, per sfruttare al meglio e al centimetro la zona guardaroba.

Piccoli armadi a due ante e armadi scorrevoli IKEA

Oltre alla struttura PAX e alle tante combinazioni possibili, sia internamente che esternamente, possiamo optare per altri modelli di guardaroba IKEA, come larmadio minimal DOMBÅS.

Il mobile devessere fissato a parete per massima sicurezza e rappresenta una soluzione semplice, certamente non troppo capiente, ma perfetta per esempio ad arredare una camera per gli ospiti. Il colore bianco e il design minimalista rendono questo mobile perfetto in ogni ambiente.

Lo stesso vale per un altro armadio a due ante scorrevoli, quello della linea HEMNES, dal design un po più classico e disponibile nelle varianti bianco, marrone/nero e giallo, il colore un po più insolito che potrà riscaldare l’ambiente.

Larmadio guardaroba misura 88x58x208 cm e al suo interno trovano spazio un ripiano e un bastone appendiabiti. Nella parte bassa, invece, vediamo un cassetto estraibile con due maniglie.

Cambiando genere, a chi cerca un armadio dal gusto più moderno e contemporaneo, segnaliamo KVIKNE, con due ante scorrevoli, ideale dove lo spazio scarseggia.

Guardaroba a giorno: complemento utile proposto da IKEA

Non dimentichiamo che oltre al mobile armadio chiuso, con ante scorrevoli o battenti, è molto in voga la soluzione cabina armadio .

Questa si può ottenere come detto anche con la soluzione PAX, creando un progetto apposito. In alternativa, se si vuole disporre di un mini spazio per i vestiti, possiamo suggerire le due strutture a giorno IKEA della serie HEMNES: la prima in legno massiccio, composta da tre ripiani e un piccolo bastone per gli appendini; laltra è una novità di quest’anno, in pino, con una preferenza per il bastone, un ripiano e tre box per scarpe, borse, maglie.

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Apartamentos Vigilia Park

Apartamentos Vigilia Park le da la bienvenida a un acogedor complejo de apartamentos en el centro de Puerto Santiago, Tenerife, donde disfrutar de un alojamiento lleno de comodidades y una atención personal de primer nivel. Con unas vistas únicas de los Acantilados de los Gigantes, Apartamentos Vigilia Park ofrece un alojamiento de excelente relación calidad precio.

Por el presente queremos informarles, que realizaremos importantes trabajos de renovación en Vigilia Park.

El proceso de remodelación incluye la reforma integral de los apartamentos que le detallamos a continuación:

existente para evitar ruidos)

– eliminación de gotelé en paredes mediante alisamiento

– aplicación de pintura en paredes y techos

– cambio de carpintería de aluminio exterior

– renovación de carpintería interior

– rehabilitación completa de cuartos de baño (incluye cambio de fontanería)

– cambio de mobiliario completo (incluye mobiliario nuevo de salón, comedor,

sofá-cama, cabeceros, armarios empotrados y camas de Queen Size)

– renovación de los electrodomésticos principales de las cocinas

– cambio de cortinajes

– cambio de luminarias

– cambio de todos los mecanismos eléctricos (interruptores, enchufes. )

– cambio de cuadros decorativos

– cambio de cerraduras principales

La reforma, que se realizará de forma progresiva, busca además brindar una experiencia superior a sus clientes mediante su diseño moderno y funcional. Gracias a la estructura y funcionalidad del edificio bloquearemos apartamentos verticalmente. Así mismo bloquearemos los apartamentos colindantes, con lo cual las labores de acondicionamiento no afectarán a los

clientes alojados, que seguirán recibiendo la misma calidad en todos los servicios.

Los trabajos de mejora empezarán el 05 de Septiembre y conllevarán unos meses de trabajo hasta el 30 de Abril 2018. Los trabajos se realizarán en horario de 09:30 hasta las 18:00 así evitando los ruidos molestos durante las horas de descanso.

El complejo no cerrará durante estas fechas con lo cual les rogamos, informen a quien corresponda.

Insurance, Car – Business insurance, King Price Insurance, home insurance south africa.

#Home #insurance #south #africa

Why choose King Price insurance

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Price is king

You know that the value of your car depreciates from day 1, right? So, why pay premiums that only ever increase? we’re the only insurer. In the world, as far as we know. To offer insurance that decreases monthly as the value of your car depreciates! We think it’s the fair and logical way insurance should be done.

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No bogus ‘no claim bonus’

We just wouldn’t feel good about inflating your premiums in order to give you some of your own money back if you don’t claim. Nope! Instead, all our clients benefit from super cheap premiums and instant savings from the get-go. We say ‘no’ to being ripped off. And you should, too.

Decreasing premiums. How, why and what you get out

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The million Rand question

Will your premium still go up at the end of the year. The answer is ‘yes’. We have to adjust premiums for things we can’t control. Like the rising costs of repairs and replacements, neither of which are linked to the value of your car.

But, we only do this once a year, and we fight to keep these increases as low as possible. And. Then your premium decreases again every month. Straight up. No funny business.

It’s a no-brainer

When you join the king of price. Not only do you get the same comprehensive cover as you’d get elsewhere, you also get decreasing premiums and award-winning royal service.

The king’s insurance products

Car insurance

Buildings insurance

Home contents insurance

Portable possessions

Trailer insurance

Caravan insurance

R1 insurance

Credit shortfall

Buildings combined

Office contents

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Accounts receivable




Goods in transit

Business all risk

Public & employers liability

Stated benefits & group PA

Electronic equipment

Car traders internal

Machinery breakdown

Machinery breakdown: Deterioration of stock

Machinery breakdown: Business interruption

The king’s benefits

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Emergency assist

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Decreasing premiums

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Our happy clients

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Nomkhosi Mabuza is a real pleasure to deal with. These days no service provider really goes the extra mile anymore but Nomkhosi is a true Gem to King Price. I would recommend her to everyone that want to take out short term insurance without the hassle 🙂 🙂 🙂 🙂

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I have also dealt with Anieka Lekay before. What a breeze. She’s got real empathy with her clients and gives the best and friendliest service. King Price was my best move in 15 years of car insurance. Other companies over promise and under deliver. Not the king.

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I just want to take the time to compliment Anieka Lekay, on her amazing customer service. I was the unfortunate victim of a motor vehicle break-in and had to submit a claim. The whole process was dealt with in a friendly and professional manner and I would recommend King Price to anybody.

Vorteile – Kleingewerbe und das geringe Risiko, existenzgründung kredit.

#Existenzgründung #kredit

existenzgründung kredit

Existenzgründung kredit

Vorteile von Kleingründungen

Die Kleingründung ist für Existenzgründer häufig der erste Schritt in die Selbständigkeit und dient als Basis für ein größeres Unternehmen in der Zukunft. Trotz der möglichen anfänglichen Unsicherheiten und Investitionen bringt die Kleingründung viele Vorteile.

Existenzgründung kredit

Generell wird gesagt, dass eine Kleingründung mit einer Anfangsinvestition von bis zu 25.000 Euro auskommt. Aus diesem Grund können sich viele Kleingründungen aus eigenen Ersparnissen finanzieren und benötigen keinen Kredit von der Bank. So sparen Gründer nicht nur Zeit, für wohlmögliche aufwendige Verhandlungen mit Banken, sondern auch langfristige Zinszahlungen.

Kleingewerbebetreibende müssen keine Umsatzsteuer ans Finanzamt abführen, können aber im Gegenzug auch keine gezahlten Umsatzsteuern verrechnen. Demnach muss auch keine doppelte Buchführung gemacht werden und für die Einkommenssteuererklärung ist lediglich eine einfache Einnahmen-Überschussrechnung nötig.

Geringes Risiko

Der Schritt in die Selbständigkeit kann für viele eine große Herausforderung bedeuten. Besonders wenn mehrere Existenzen vom Erfolg des Unternehmens abhängig sind. Wer als Einzelperson in die Existenzgründung startet und keine Anstellung von Mitarbeitern plant, kann zunächst ohne große finanzielle Belastungen und Verantwortung starten.

Gerade mit einer Kleingründung kann die Geschäftsidee in einer ersten Startphase vorsichtig getestet werden. Es wird sich schnell zeigen, ob die Idee marktfähig ist. In jedem Fall ist es anzuraten, sich vor der Gewerbeanmeldung ausreichend und gründlich über alle Eventualitäten zu informieren. Ansprechpartner können hier beispielsweise die Gewerbeämter, die Handelskammer oder die Agentur für Arbeit sein.

Geringer Zeitbedarf und höheres Einkommen

Nicht jeder Gründer kann oder will von Anfang an mit einem Vollzeitjob starten, sondern Schritt für Schritt die Idee ausarbeiten und weiterentwickeln. Besonders für Angestellte, die in ihrer Freizeit an dem neuen Projekt arbeiten möchten, bietet sich diese Geschäftsform an. Gleiches gilt zum Beispiel für Mütter, denen nur einige Stunden am Vormittag zur Verfügung stehen.

Gleichzeitig kann so das Einkommen aufgebessert werden, ohne dabei die Sicherheit durch das Angestelltenverhältnis aufzugeben. Wichtig ist jedoch dies vorab mit dem Arbeitgeber abzustimmen. Auch bei dem Bezug von Sozialleistungen muss eine Kleingründung bei der zuständigen Institution angegeben werden.

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

#Online #car #insurance #rates

Auto insurance comparison made easy.

In just minutes, 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.

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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.

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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, 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, 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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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

Einzelhandel: Darmstadt, einzelhandel mieten.

#Einzelhandel #mieten


Darmstadt verfügt über ein flächendeckendes Einzelhandelskonzept, schriftlich festgehalten im Zentrenkonzept (regelt die Ansiedlung von Einzelhandel in Innenstadt und Stadtteilen) sowie dem Gewerbegebietskonzept (regelt die Ansiedlung von Einzelhandel in den Gewerbegebieten).

In Bereich der Innenstadt hat die Stadtverordnetenversammlung am 07.10.2010 eine Richtlinie für die Gestaltung von Sondernutzungen auf öffentlichen, städtischen Flächen beschlossen. Ziel der neuen Richtlinie ist die Sicherung der hohen Gestaltungs- und Nutzungsqualität der Innenstadt.

Informationen dazu finden sie hier.

Ansiedlung in Gewerbegebieten

Die Ansiedlung von Einzelhandel ist in allen Darmstädter Gewerbegebieten grundsätzlich erlaubt, sofern das Einzelhandelsgeschäft nicht großflächig ist (d.h. <= 1.200 m² Geschossfläche) und auch keine zentrenrelevantes Warensortiment anbietet.

Nicht zentrenrelevantes Warensortiment

  • Möbel, Einrichtungsgegenstände
  • Bodenbeläge, Tapeten
  • Kfz, Kfz-Teile, Motorräder
  • Brennstoffe, Bau- und Heimwerkerartikel
  • Pflanzen-, Garten-, Zooartikel
  • Getränke- Abholmärkte
  • großteilige Sportartikel
  • sperrige Spielwaren
  • Elektrogroßgerät


  • Großflächige Einzelhandelsbetriebe sind an einigen, speziell ausgewiesenen Standorten innerhalb der Gewerbegebiete zugelassen. Aber auch hier gilt: kein zentrenrelevantes Sortiment.
  • Einzelhandelsbetriebe welche nach Art um Umfang in eindeutigem Zusammenhang mit in diesem Gewerbegebiet stattfindenden Produktion, Verarbeitung von Gütern stehen, inkl. Reparatur und Serviceleistungen.

Seveso Richtlinie

Einzelhandelsunternehmen, die sich auf dem Gewerbegebiet Nordwest (Otto-Röhm Straße) ansiedeln wollen, sollten ggfs. im Rahmen des Bauleitplanverfahrens prüfen lassen, ob eine Ansiedlung Seveso-II-Richtinienkonform möglich ist (vgl. dazu Seveso II Gutachtens zur Firma Merck, erstellt vom TÜV Nord im Juni 2006).

Entscheidend ist dabei im wesentlichen, ob die geplante Ansiedlung innerhalb der sog. Achtungsgrenzen (in Metern um dem Betriebsbereich der Firma Merck KGaA) liegt und ob die neue Nutzung im Vergleich zur bisherigen Nutzung eine höhere Kundenfrequenz mit sich bringt.

Vuelos baratos a Tenerife – Billetes desde 15€ en eDreams, alquiler coches tenerife norte.

#Alquiler #coches #tenerife #norte

Ofertas de vuelos baratos a Tenerife

Vuelos de última hora a Tenerife

Aeropuertos de Tenerife

En Tenerife existen dos aeropuertos el Tenerife Norte y el Tenerife Sur. El Aeropuerto de Tenerife Norte, conocido anteriormente como Aeropuerto de Los Rodeos, es el el segundo aeropuerto de Tenerife y sirve de ayuda al Aeropuerto de Tenerife Sur para descongestionar el tráfico aéreo de la isla. El Aeropuerto de Tenerife Sur es el aeropuerto principal de la isla. Es el principal aeropuerto turístico español de la red Aena, con un 92% de pasajeros que viaja por este motivo.

Aerolíneas top

Las principales aerolíneas que vuelan al Aeropuerto de Tenerife Norte son: Binter Canarias, para vuelos entre las islas, y Vueling, para conexiones con el resto de la península.


El Aeropuerto Tenerife Norte o Aeropuerto Los Rodeos, se sitúa a 10 km de Santa Cruz de Tenerife.

Opciones de transporte

Los autobuses 102, 107, 108 conectan el aeropuerto Tenerife Norte con la capital de la isla, Santa Cruz.

Aerolíneas top

Las principales aerolíneas que vuelan al Aeropuerto de Tenerife Sur son: easyJet y Ryanair, para diferentes conexiones con destinos europeos.


El Aeropuerto de Tenerife Sur se encuentra en el municipio de Granadilla de Abona, a 60 km de la capital de la isla.

Opciones de transporte

El autobús de la línea 343 ofrece conexión directa entre el aeropuerto de Tenerife Norte y el aeropuerto Tenerife Sur con un trayecto de apenas una hora. La vía de acceso al aeropuerto de Tenerife Sur es la autopista TF-1. El autobús línea 111 también conecta el aeropuerto con la capital Santa Cruz y las playas más importantes de la isla.

Visitar Tenerife

Para pasar unas vacaciones inolvidables no hay nada mejor que escaparse a las paradisiacas playas Tenerife. En esta isla de Canarias hay planes para todos los gustos, eso sí, siempre rodeados de los más bellos paisajes. Los amantes del surf estarán encantados con las playas más salvajes, mientras que los que viajan buscando espacios naturales podrán deleitarse visitando el pico más alto de España, el Teide. Ni que decir tiene, que los que salgan buscando fiesta, deben hacerlo durante el Carnaval, cuando la isla entera es un festival.

Busca ahora todos los vuelos o elige una de nuestras ofertas de paquetes vuelo + hotel a Tenerife.

Qué hacer en Tenerife

Tenerife es un destino de sol y playa durante todo el año, así que si eres de los que busca esto en tus vacaciones, ya puedes empezar a mirar vuelos a Tenerife. También es la isla perfecta para escapar de la ciudad y dedicarse unos días a disfrutar de la naturaleza, viendo las estrellas por la noche, recorriendo el Parque Natural de Anaga o viendo los Acantilados de los Gigantes desde el mar. Y si todo esto todavía no te convence, apunta estos planes imperdibles por hacer en Tenerife, seguro que acabarán de hacerlo:

  • Hacer una excursión al Parque Natural de Anaga
  • Admirar los increíbles Acantilados de los Gigantes desde el mar
  • Pasear por las calles del casco antiguo de San Cristóbal de Laguna
  • Visitar Aqualand Tenerife
  • Y ver el Loro Parque Tenerife también
  • Descubrir alguna de sus muchas preciosas playas
  • Parar en un guachinche y probar la gastronomía típica

Tenerife en 3 días

Día 1: La zona de San Cristóbal de La Laguna es una de las más bonitas de Tenerife y un lugar perfecto para comenzar nuestra visita. Puedes comenzar con un recorrido por el centro histórico de la ciudad, se remonta al año 1500 y no puedes perderte el jardín botánico con algunas especies de plantas raras. Después aprovecha para vistar el Loro Parque, te encantará.

Día 2: Tu segunda jornada en Tenerife es ideal para organizar un viaje al Parque Nacional del Teide. Incluso puedes alojarte y disfrutar de sus paisajes si te apetece. Este es uno de los volcanes más activos del mundo y ofrece excursiones e imágenes realmente espectaculares.

Día 3: Disfrutar de las magníficas playas de la isla es algo obligatorio, así que prepara tu bañador y tu toalla y prepárate para elegir porque no te van a faltar opciones. La Playa de las Américas, en el sur-este de la isla podría ser una de ellas.

Otras ciudades para visitar en España

Estamos seguros que un viaje a Tenerife irá genial, pero, si te sobra tiempo y dinero, hay muchas otras ciudades maravillosas que puedes visitar en España. Cualquier tipo de viajero seas, mochilero solitario, pareja romantica o familias en busca de una escapada, no te pierdas algunos de los mejores destinos españoles como Ibiza, Malaga, Santiago de Compostela y Bilbao.

ClickSun: Agencia de Marketing Online – Diseño Web en Mallorca, kredite.








¡Tenemos más de 13 años de experiencia en Marketing Online y Diseño web!


Diariamente llegamos a millones de fans de todo el mundo gracias a nuestro equipo de community managers nativos.


Contamos con profesionales nativos de Reino Unido, Alemania, Suiza, Ecuador, España ¡Hablamos tu idioma!

¿En qué somos la ho***a?

Sabemos qué es lo que necesita tu negocio para destacar en Internet y nuestro equipo multidisciplinar especializado en diseño web, posicionamiento y publicidad en buscadores, marketing de contenidos, analítica web, marketing en redes sociales y mobile marketing se dedicará en cuerpo y alma a cumplir los objetivos fijados y a superar tus expectativas. Si algo nos diferencia de otras agencias es nuestra amplia experiencia en la gestión de campañas de marketing dentro y fuera de España.

Desde que nacimos, allá en el año 2003, hemos gestionado anualmente cuentas por valor de cerca de 3 millones de euros. Hemos comercializado negocios en gran parte de Europa, Norteamérica y América Latina; entre ellos: España, Reino Unido, Alemania, Rusia, Francia, Italia, Países Escandinavos, Suiza, Portugal, USA, Canadá, México, Brasil, Argentina, Venezuela, Chile, Costa Rica, Panamá, Colombia y Jamaica.

Aunque la mayor parte de los clientes de Clicksun pertenecen al sector turístico, servicios y agencias de publicidad, también trabajamos con todo tipo de negocios como tiendas online y tiendas físicas que han confiado en nosotros para lograr una mayor visibilidad y mejorar sus resultados en Internet. Si lo que te preocupa es saber qué canales online son los más adecuados para promocionar tu negocio y cuánto invertir, en Clicksun nos adaptamos a tus necesidades y presupuesto. Nuestra oferta de servicios es 360º: consultoría online, diseño web y multimedia, gestión de contenidos, captación de usuarios, fidelización de clientes y análisis de resultados y objetivos.

¡Mira nuestro portfolio y descubre lo que somos capaces de hacer!

Schlafzimmer Teppich, schlafzimmer teppich set.

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Gebrauchtreifen-Bцrse: gebrauchte REIFEN gebraucht Autoreifen, hebebühnen verleih.

#Hebebühnen #verleih

Autoreifen – Schneeketten

Reifen-Bцrse: gebrauchte Autoreifen gьnstig kaufen, Komplettrдder, Sommerreifen, Winterreifen, Ganzjahresreifen, Breitreifen.

[BIETE] Sommer/Winterreifen verschiedene Dimensionen Neu u. Gebraucht Hebebühnen verleih

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Standort: Ried i. Innkreis / Pattigham

[BIETE] Alufelgen Skoda Fabia/VW Polo SommerreifenKomplettrad 7×15 Zender Hebebühnen verleih

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[BIETE] Winterreifen Komplettrдder Ford Fiesta/Mazda 2 Hebebühnen verleih

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[BIETE] Sommerreifen 215/55R16Z Satz Kuhmo ECSTA SPT Hebebühnen verleih

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[BIETE] Privat/Linz:Schцne gebrauchte ALU-Felgen fьr DACIA DUSTER Modelle Hebebühnen verleihHebebühnen verleih

Schцne Stahl und ALU-Felgen fьr DACIA Duster 2011 bis 2017.

[BIETE] Neujahrsgeschenke – 25 versch. Sachen zu verkaufen, teilweise NEU Hebebühnen verleih

* Xbox 360 Spiele – 10 Euro bzw. 15 Euro (Originalverpackt)

* Playstation 3 Spiele – 10 bzw. 15 Euro

* Hausschuhe, Patschen, Wollsocken fьr Babys, Kinder und Erwachsene – 7 bzw. 9 Euro

* PC Set mit Monitor inkl. Lieferung und Aufbau – 129 Euro

* Grillstarterset NEU – 35 Euro

* HDMI Kabel 1,5m originalverpackt – 8 Euro

* HP und Canon Laserdrucker Patronen – ab 29 Euro

* Kappen, Baby Patscherl.

[BIETE] Auto Zubehцr Teil GRATIS zu jeder Schneeketten Verpackung Hebebühnen verleih

– Mercedes Servolenkungsцl – 400 ml

– Bremsflьssigkeit 3/4 Liter

– Erste Hilfe Tasche mit diversen Inhalt

– Kunststoffpflegeprodukt (Kremeschutz fьr Aussenplastikteile) 0,5 kg/.

SOLUS KH 15 165/60/14 70Ђ Sommer

NORD*FROST 155/80/13 70Ђ Winter

POWERGRIP 749 165/18/13 70Ђ Winter

TROCMAX 185/65/14 70Ђ Winter

UNIROYAL the raintyre 195/60/15 V 200Ђ Winter

Alle reifen sind neuwertig.

[BIETE] Sommerreifen /Reifen 195/50R15V Brigestone Turanza 6,6,5,5mm Hebebühnen verleih

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Standort: Ried i. Innkreis / Pattigham

[BIETE] Winterreifen 175/65R14T Fulda Kristall Montero 7,7,5,5mm Hebebühnen verleihHebebühnen verleih

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Sgomberi Milano – Sgombero Appartamenti Milano, Uffici Cantine Gratis, cucine a poco prezzo.

#Cucine #a #poco #prezzo

Sgomberi Milano Sgombero Appartamenti Milano

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La nostra Esperienza è la nostra garanzia.

Chiama subito al nostro infoline 02 33501182

Contatto diretto con Greco Giovanni 3336804075

Preventivo Sgomberi

Sgomberi Milano Greco Preventivi Gratuiti

Sopralluoghi, valutazioni e preventivi gratuiti in tutta la Lombardia.

Azienda Sgomberi Milano a Norma di Legge

Personale regolarmente assunto e copertura assicurativa per danni contro terzi.

Sgomberi Milano Valutazione Usato

Valutazioni reali e acquisto dellusato con pagamento immediato.

Sgomberi Milano Greco Economici

Prezzi tra i più competitivi sul mercato. Preventivi chiari e dettagliati.

Sgomberi Appartamenti Milano

Sgombero Appartamenti Milano “Sgomberi Milano Greco”- La Nostra azienda oggi vanta un’esperienza nel settore pluridecennale. Nel 1988 il fondatore Greco Giovanni, nasce come restauratore di mobili antichi, avendo avuto precedentemente esperienze lavorative in campo antiquariale. Successivamente ha deciso di ampliare il suo servizio e di inserirsi nel mondo dei traslochi e trasporti di opere d’arte. Le continue e numerose richieste ci hanno permesso di divenire oggi la realtà più conveniente nel settore degli sgomberi e dei traslochi sia per quanto riguarda la professionalità sia per quanto riguarda l’economicità della spesa.

Greco Giovanni: “trasportavo mobili antichi appena usciti dal laboratorio di restauro e so cosa significa avere cura delle cose e come meglio trasportarle su e giù per le scale senza fare alcun danno, e chi lavora con me da anni lo sa. ”

La nostra Esperienza è la nostra garanzia.

Chiama subito al nostro infoline 02 33501182

Contatto diretto con Greco Giovanni 3336804075

Sgombero Appartamenti Milano “Sgomberi Greco”

I nostri servizi

Greco Sgomberi Milano, si occupa di sgomberare qualsiasi locale, dal più piccolo quale la cantina ad uno più impegnativo quale un grasso magazzino. Siamo formati da più squadre sempre supervisionate dal titolare Greco Giovanni che è sempre presente durante le fasi di sgombero, e attento affinchè tutto vada per il verso giusto.

Sgomberare un appartamento, un ufficio, un magazzino a Milano non è sempre un’impresa facile. Avere le attrezzature idonee per ogni evenienza può risultare un’arma vincente. Se ad esempio ci trovassimo a dover effettuare uno sgombero di un appartamento a Milano al sesto piano potrebbe essere utile l’utilizzo di una piattaforma per traslochi. E se non ci fosse un cortile per far posizionare la piattaforma o i furgoni? Nessun problema, provvederemo ad un’occupazione di suolo pubblico e al posizionamento dei cartelli di divieto di sosta.

Devi semplicemente svuotare la cantina del tuo ufficio o della tua abitazione? Per questo servizio siamo in grado di intervenire anche in giornata a prezzi modici!! Infoline e prenotazione sopralluogo 0233501182 contatto diretto con commerciale di zona 3336804075.

Fai la scelta giusta, affidati alla nostra professionalità. Sgomberi Milano – Greco Sgomberi 3336804075

Sgombero Appartamenti Milano – Acquisto e Valutazione di ciò che desideri sgomberare.

Sgomberi Milano A volte capita di dover cercare qualcuno che possa aiutarti a sgomberare il tuo appartamento per motivi diversi, quale ad esempio il dover trasferirsi in una nuova abitazione e non voler traslocare parte dei mobili. Noi di Sgomberi Milano Greco, possiamo aiutarti.

Acquistiamo tutto ciò che desideri sgomberare dal tuo appartamento che abbia caratteristiche di rivendibilità. Acquistiamo ad esempio:

Cucine complete che abbiano meno di 10 anni (Scontabile dal preventivo di sgombero o trasloco)

Camere complete non IKEA (Scontabile dal preventivo di sgombero o trasloco)

Illuminazione: lampade e lampadari di designe (un nostro esperto vi darà un valore preciso dell’oggetto in questione con possibilità di acquisto immediato)

Mobilia antica o di designe designe (un nostro esperto vi darà un valore preciso dell’oggetto in questione con possibilità di acquisto immediato)

Servizi antichi e porcellane (un nostro esperto vi darà un valore preciso dell’oggetto in questione con possibilità di acquisto immediato)

Zander Insurance, Speedy deletion Wiki, FANDOM powered by Wikia, zander term life insurance.

#Zander #term #life #insurance

Zander Insurance

Zander Insurance



Area served




Zander Insurance is one of the country’s largest independent insurance agencies and has been serving its national and local customers for over 85 years and four generations. Zander is often recognized by its long standing relationship with syndicated talk show host and New York Times best-selling author Dave Ramsey. [1] [2]



Zander Insurance was founded in 1925 by Herman Zander. Julian M Zander joined the family business and had the agency incorporated in 1929 and remained active in the agency until shortly before his death in 1983. Julian “Bud” Zander joined the agency in 1957 after his graduation from the University of Alabama. Jeff Zander, the current CEO joined the agency in July of 1986. [3]

Personal Insurance Products

Zander Insurance Group is the one of the only company in the country offering online price and coverage comparison via their website for the most popular personal insurance programs available including:

  • Term Life Insurance
  • Long Term Disability Insurance
  • Identity Theft Protection
  • Auto Insurance
  • Home Insurance
  • Umbrella Insurance
  • Health Insurance
  • Long Term Care Insurance

Business Insurance Products

  • Property
  • General Liability
  • Commercial Auto Insurance
  • Workers Compensation
  • Inland Marine
  • Liquor Liability
  • Business Owner Package
  • Builders Risk
  • Boiler Machinery
  • Professional Liability
  • Directors and Officers
  • Cyber/Data Breach
  • Employment Practices Liability
  • Bonds
  • Group Health Insurance
  • Group Term Life Insurance
  • Group Long Term Disability Insurance
  • Group Short Term Disability Insurance
  • Group Dental
  • Group Vision
  • Group ID Theft Protection
  • Other Voluntary Benefits

About the Founder, President CEO

Jeff Zander – CEO – Began his career in the insurance business in 1982. After employment with Northwestern Mutual and Progressive Insurance, Jeff became the fourth generation to join the family firm. He has received the CIC designation (Certified Insurance Counselor) and over the past 30+ years has worked across all areas of insurance and risk protection for individuals, familes and businesses.

Wohnungen, wohnungen.


Wohnungsmarkt – Mietwohnungen

Wohnungsanzeigen: Wohnungssuche, private Wohnungsangebote, Hauptmiete, Untermiete, Zimmer in WG, Wohnungsvermietung

Standort: Linz Stadt

Standort: Tirol, Innsbruck

WZ 23, Kьche (eingerichtet) 11, Zimmer 13, Bad 5, WC 2, Vorraum 8 mІ, Kellerabteil, Gartenbenьtzung.

Die Wohnung befindet sich im gut isolierten DachgeschoЯ und ist mi.

Standort: Linz Land

Zentrumsnahe Lage zum Ring

U3 Rochusgasse (500 m) / Kardinal-Nagl-Platz (300 m)

Adresse ist Landstrasse Hauptstrasse, die gesamte Wohnung richtet sich allerdings zur Rьckseite des Wohnhauses in die ruhige Baumgasse aus

Verkehrsgьnstig gelegen – nahe Autobahnanschluss A23, A4 und nдchst dem Erholungsgebiet Prater und Donaulдnde

6. Liftstock – kein direktes Gegenьber – Weitblick!

Grosser heller Wohn/Essraum, 1 S.

OPTIMAL fьr ЬBERGANGSLЦSUNG! Pendler / Studenten mцglich.

[BIETE] Linz/Uhrfahr: Privat: beleuchteter gьnstiger Parkplatz Wohnungen

Wir suchen nдhe LandstraЯe (nдhe StraЯenbahnhaltestelle) 1-2 Rдume zur Miete.

Rдumlichkeiten werden wдhrend der Woche am Nachmittag benцtigt.

Der Raum sollte gepflegt und ordentlich ansonsten gibt es keine besonderen Anforderungen.

0660 / 28 08 730

Wohnkьche, Schlafzimmer, Wohnzimmer, Kinder-/Arbeitszimmer, Bad mit Dusche, WC & Waschmaschinenanschluss

eigenes, versperrbares Kellerabteil, Garage

gute Verkehrsanbindung (Linz AG Linie 17, LILO)

Keine Haustiere, Nichtraucher

Energieausweis: Heizwдrmebedarf: 228 kWh/mІ/Jahr

Standort: 4060 Leonding

Miete inkl.Betriebskosten 550Ђ

TEL.0660-255 06 78

[BIETE] Wohnung Leonding/Haag Wohnungen

Bestehend aus Kьche mit Geschirrspьler und Gefrierschrank, gr Wohnzimmer, Bad mit Wanne, Schlafzimmer, eigenes WC, Abstellraum, Durchgang mit vielen Staurдumen, 5mІ Loggia. Gartenbenutzung.

Kellerabteil und eigenen Autoabstellplatz!

Toplage in ruhiger Umgebung und trotzdem super Verkehrsanbindung (1min Gehzeit StraЯenbahn).Einkaufsmцglichkeit in unmittelbarer Nдhe. Im Keller besteht zusдtzlich Waschraum, Waschmaschine und Trockner zur V.

Standort: Linz Leonding

Abstellraum,-groЯer Sьdbalkon, PKW-Stellplatz, unbefristetes Mietverhдltnis;

Gute Verkehrsanbindung nach Wien (S7), AutobahnanschluЯ-A4- ca.10 min, Entfernung Schwechat -Flughafen 25 Minuten.

Infrastruktur: Supermдrkte, Дrzte, etc. 5 min; Standort liegt in ruhiger, .

Standort: Reg. Carnuntum,.BD-Altenburg, Hainburg, Bez.Bruck

Durch Raumteiler wьrde sich im Wohnzimmer noch ein zusдtzlicher Raum leicht abtrennen lassen.

Bitte alles anbieten, auch wenn es in sehr renovierungsbedьrftigem Zustand ist! Wir renovieren auf unsere eigenen Kosten!

Standort: St.Pцlten-Land, Tulln, Lilienfeld

Ruhige Lage, Sonnig da gegenьber nur 1 stockiges gebдude.

[BIETE] Nachmieter gesucht Wohnungen

Miete ca 660Ђ/Monat..

Neubau. Fussbodenheitzung..eigene Garage, Terasse..etc..

Standort: Bad Vigaun/Rengerberg

Fьr Kьche, rolladen und Insektenschutz hдtten wir gerne eine Ablцse (VHB 3300Ђ)


Camere da letto – DIOTTI A&F Arredamenti, letto contenitore matrimoniale.

#Letto #contenitore #matrimoniale

Letto contenitore matrimoniale

Possiamo dividere i letti in categorie secondo i materiali usati, il gusto classico o moderno e la presenza o meno del contenitore. Sia fra i letti moderni che fra i letti classici troviamo rappresentati tutti i materiali: letti in legno, letti laccati, letti imbottiti (c’и chi li chiama letti tessili), letti in cuoio o pelle, letti in ferro battuto. si tratta solo di diverse interpretazioni.

I letti moderni in legno possono essere realizzati in ciliegio, rovere chiaro, rovere scuro (o tinto wengи), rovere grigio, teak, ovangkol, noce; troviamo invece letti classici in legno in collezioni realizzate prevalentemente in noce e ciliegio.

I letti moderni laccati stanno tornado in voga dopo che, con la fine degli anni ’80, erano stati un po’ messi da parte. Ecco quindi letti laccati, prevalentemente opachi (il lucido presenta costi maggiori), con il bianco ed il nero come colori piщ rappresentati. La laccatura per il letto classico, invece, и in genere un laccato a poro aperto su legni come il rovere, il frassino, il pino e l’abete; la venatura del legno non viene coperta per poter ottenere quel gusto country tipico della personalitа del legno e della vivacitа dei colori.

L’interpretazione moderna del letto imbottito ha circa 30 anni: и con il modello Nathalie, disegnato da Vico Magistretti, che Flou diventa un caso aziendale ed i letti imbottiti hanno un crescente successo per i successivi 20 anni (precisiamo che non siamo rivenditori di letti Flou e ne citiamo il marchio solo a fini di “storia” del design). Il concetto и semplice: il letto tessile permette di giocare sia con le forme che con i colori in quanto il tessuto offre possibilitа di scelta ancora piщ ampie di legni e laccati. ed in piщ l’uso di rivestimenti sfoderabili permette di rinnovare l’estetica della camera da letto ad un prezzo basso o comunque contenuto.

Variazione sul tema del letto tessile/imbottito sono le proposte in pelle e cuoio.

Da un punto di vista stilistico i letti rivestiti in pelle fanno riferimento a quelli in tessuto in quanto si tratta di materiali ugualmente lavorabili, adatti anche a coprire sezioni imbottite. I letti in cuoio invece hanno forme tendenzialmente piщ moderne e squadrate in quanto и il cuoio stesso e la sua lavorazione a richiederlo; sono diversi infatti i modelli di letti in legno che permettono, fra le varianti, di avere il rivestimento in cuoio. Particolarmente efficace sul cuoio la cucitura in contrasto. Mentre i letti in pelle presentano spesso ampi campionari con svariate sfumature di colore, i letti in cuoio vengono piщ spesso presentati in colori piщ definiti come il nero, il marrone (o testa di moro), il rosso, il bordeaux, il bianco, il panna-magnolia.

I letti in ferro battuto sono invece piщ spesso associati alle forme classiche e country. La lavorazione del ferro battuto e la maestria artigiana dei fabbri permettono di plasmare il ferro in forme non ottenibili con altri materiali. Decorazioni in stile liberty, floreale od anche astratte, creano vastissime possibilitа su letti che sicuramente hanno anche una valenza artistica. I letti in ferro battuto possono essere realizzati con o senza pediera, e verniciati in diversi colori “color ferro”, tinte pastello e patinate, un tipo di verniciatura che sovrappone colori diversi.

I letti con contenitore esistono da tanto tempo ma и solo negli ultimi anni che si sono affermati per soddisfare la cronica esigenza di spazio tipica delle stanze piccole. Molto semplicemente si tratta di una rete ortopedica che si alza permettendo di accedere ad uno spazio molto comodo per riporre valigie, piumoni, od il “cambio” di stagione. Dei pistoni idraulici rendono l’apertura e chiusura facili e sicure; il fondo del letto a contenitore и diviso in 2 o 4 pannelli con maniglie specifiche per facilitare la pulizia periodica dello spazio sottostante.

Una nota generale sui diversi formati. Il letto matrimoniale all’italiana ha il vano rete ortopedica (e la relativa dimensione consigliata per il materasso) di misura cm. 160×195. Sui formati piщ piccoli abbiamo i letti matrimoniali alla francese con una larghezza di cm. 140 ed i cosiddetti letti “ad una piazza e mezza” di cm. 120. Su dimensioni maggiori troviamo i letti matrimoniali alla tedesca (o queen-size), con vano rete di cm. 180 di larghezza, ed i letti king-size (o all’americana), che arrivano fino a 2 metri di larghezza. In molti casi le persone piщ alte possono richiedere la rete ortopedica ed il letto con i longheroni piщ lunghi, realizzati su misura, con una lunghezza per materassi fino a cm. 210.

100 Plan de Negocios, Planes, Que Es, Ejemplos y Cursos, como hacer plan de negocios.

#Como #hacer #plan #de #negocios

como hacer plan de negocios

100 Plan de Negocios | Convierte tu Idea en un Plan de Negocios

Como hacer plan de negocios

  • No hay productos en el carrito.

Como hacer plan de negocios

Ejemplo de Plan de negocios para Hotel

Como hacer plan de negocios

Plan de Negocio Inmobiliaria

Como hacer plan de negocios

Plan de Negocio: Manejo de conflictos en la empresa

Como hacer plan de negocios

Gallery One

Como hacer plan de negocios

Gallery Two

Como hacer plan de negocios

Gallery Three

Woo Logo

Woo Ninja

Premium Quality

Flying Ninja

Ship Your Idea

Woo Logo

Ninja Silhouette

Happy Ninja

Patient Ninja

¡Miles de Emprendedores Ya Lo Hicieron!

La Fórmula Para Iniciar Tu Negocio

¡Ten Éxito En El Negocio Que Quieras!

Una forma segura de iniciar tu negocio sin arriesgar tu inversión. El objetivo es muy simple: Enseñar con el ejemplo, paso a paso cómo iniciar tu negocio desde la idea hasta abrir las puertas de tu empresa.

¿Quieres Que Tu Negocio

Después del éxito por 5 años y emprendedores alrededor del mundo, finalmente traemos a LA CIUDAD DE MÉXICO, el 24 de Enero de 2017, la versión EN VIVO de ADMINISTRACIÓN DE PEQUEÑAS EMPRESAS.

Con más de 40 años de experiencia, te damos la “Formula” para Administrar tu Negocio.

100 Plan de Negocios

| De tu Idea al Plan de Negocios

Convierte tu idea en un plan de negocios. ¿Tienes una idea de negocio para una cafetería, tu propia tienda de ropa y calzado, o una tienda online?

Descubre miles de ejemplos de planes de negocios y herramientas para hacer realidad tu proyecto. Estás en el lugar correcto. Vas a encontrar un plan para ti.

¿Quieres Empezar Tu Negocio?

  • Cursos para Elaborar tu Plan de Negocios.
  • Coaching para Iniciar tu Empresa.
  • Asesoría Para Elaborar tu Plan de Negocios.

Si quieres empezar ahora, toma nuestro curso GRATIS aquí.

¿Quieres un

Formato de Plan de Negocios?

Entra GRATIS a nuestro formato rápido para plan de negocios. Podrás iniciar tu negocio o proyecto con este formato fácil. Su precio regular es de $99 dólares (más de $1500 pesos MXN).

Escoge tu Plan de Negocios y ¡Empieza Tu Proyecto Ya!

Como hacer plan de negocios

Como hacer plan de negocios

Como hacer plan de negocios

Como hacer plan de negocios

Planes de Cafetería, Restaurante y Bar

¿Has soñado con poner tu cafetería? ¿Siempre quisiste un negocio propio de comida saludable? ¿Un local con café de especialidad, deliciosos snacks y clientes que regresen por tus bebidas? Empieza aquí para ver un ejemplo de plan de negocios de cafetería, restaurante y bar.

Plan de Negocio de Tienda: Ropa, Calzado, Juguetes, Electrónicos

¿Tu proyecto es comprar productos populares y venderlos? Es una idea excelente. Da clic en esta sección para encontrar varias ideas y ejemplos de plan de negocios.

Planes de Importación y Exportación

¿Quieres importar productos de China y venderlos al triple? Es fácil importar productos eléctronicos, fundas de celular, ropita para bebés y damas. Empieza aquí si quieres ideas para tu plan de negocio con estos consejos.

Planes de Negocios de Servicios y Consultoría

¿Te quieres independizar y poner tu propio negocio de servicios? Desarrolla aquí tu proyecto para un taller mecánico, consultorio médico, oficina dental y cualquier servicio.

Cursos y Servicios para PyMES, Empresas y Corporativos

Capacitaciones, conferencias y talleres para hacer realidad tus proyectos y planes de negocios

Como hacer plan de negocios

Cursos Online

¿Por fin vas a ser tu propio jefe? Empieza tu plan de negocios con el pie derecho con nuestros más de 40 cursos, todos con diplomas y avalados por instituciones internacionales. ¡Más de 10,000 emprendedores y empresas han sido nuestros alumnos! Da clic aquí para ver el catálogo.

Como hacer plan de negocios

Talleres y Cursos para Corporativos

¿Necesitas capacitación en tu empresa? Da clic aquí para ver los cursos, talleres y capacitaciones que tenemos para grandes empresas como Nestlé, el Senado de la República, Café Punta del Cielo, Universidades y muchas más.

Como hacer plan de negocios


¿Necesitas ayuda con tu plan de negocios? Asesórate con un experto que tiene años en los ramos: automotriz, alimenticio, textil, logístico, importación/exportación y muchos más. Inicia aquí.

¿Cómo Hacer Un Plan de Negocios Exitoso? Aquí está el negocio que quieres encuentra miles de planes para la oportunidad de negocio que buscas

Office One

Office Two

Office Three

Office Four

Office Five

¿Quieres poner tu Negocio y no sabes por dónde empezar?

Inicia tu plan de negocios con nuestra prueba gratis del curso: Cómo Empezar Un Negocio, el cual te lleva paso a paso para poner tu empresa, aunque sea tu primera vez.

Cursos y Capacitación Para Emprendedores Como Tú

Todo el equipo de 100 Plan de Negocios quiere que tengas éxito para conseguir tus metas: ser tu propio jefe y abrir el negocio que has buscado. Somos parte de ACADEM (Asociación Latinoamericana de Management y Marketing), una institución de capacitación para emprendedores, empresarios y corporativos. Todos nuestros sitios te tienen a ti en la mente.

Para ello, hemos creado más de 40 cursos online, publicamos libros y reportes cada año, para que pongas tu negocio ¡ya!. No importa si estás en México, Colombia, Perú, Estados Unidos u otro país de habla hispana.

Queremos Que Tu Plan de Negocios Se Haga Realidad

Como hacer plan de negocios

Formatos de Plan de Negocios Fáciles (Listos para Usar)

¡Ya no busques más! En esta página vas a encontrar miles de ejemplos de planes de negocio, que puedes usar. Desde un taller mecánico, hasta un consultorio médico. Descubre aquí tu plan.

Como hacer plan de negocios

Recursos y Herramientas para Emprender Cualquier Negocio

Nuestros cursos, libros y herramientas gratuitas están diseñadas para llevar tu idea de negocio a un plan de negocios y luego a la inauguración. Da clic aquí para descargar los recursos gratuitos.

Como hacer plan de negocios

Todos los Negocios: Restaurantes, Ropa y Servicios, Aquí.

Pensamos en cualquier negocio que tengas en mente, para cualquier país. ¿Quieres tu cafetería? Tenemos un plan de negocios para ti. ¿Vas a abrir tu boutique de ropa? Listo. Ya tenemos un ejemplo de plan de negocios. Haz clic aquí para ver nuestra enorme galería de planes.

Como hacer plan de negocios

Cursos para Iniciar tu Negocio

Ya no te preocupes. Nuestros cursos online y presenciales te llevan paso a paso, para que tu plan de negocios sea una realidad. ¿Quieres una prueba gratis? Entra aquí para ver una muestra del curso: CEUN, donde descubrirás cómo hacer que tu idea se convierta en un plan y por fin abras tu propia empresa.

Come vendere auto usate online: siti e consigli – Fidelity Uomo, vendere auto usata online.

#Vendere #auto #usata #online

Come vendere auto usate online: siti e consigli

Come vendere auto usate online? Ecco alcuni consigli per vendere al meglio la tua auto su internet, ed una lista dei migliori siti dove poterlo fare

Il problema di dover vendere auto usate online è comune a molte persone oggigiorno: le possibilità offerte dallavvento di internet, e la proliferazione di portali dedicati alla compravendita degli articoli più disparati anche tra privati, da una parte hanno moltiplicato le possibilità commerciali a nostra disposizione; dallaltra però, hanno parallelamente prodotto una giungla virtuale piena di insidie mascherate da “occasionissime”, che rischiano seriamente di poterci costare migliaia e migliaia di euro.

Dunque è necessario applicare tutte le contromisure del caso, per poter mercanteggiare in sicurezza minimizzando il rischio di venire truffati (uneventualità che nel mondo degli affari esiste sempre a prescindere, anche avendo il proprio interlocutore di fronte).

Daltronde, i dati del MIT parlano chiaro: solo nel 2014 sono stati registrati più di 4,2 milioni di passaggi di proprietà, e la crisi economica ha spinto sempre più persone a propendere per lacquisto di unauto usata anche in questo 2015.

Risulta quindi lampante limportanza di capire come muoversi allinterno dei portali di compravendita online in maniera adeguata. Perché “affidabilità”, in questi casi, è quasi sempre sinonimo di “garanzia”. Andiamo dunque a vedere quali sono i siti più affidabili ai quali rivolgersi per monetizzare con la vostra vecchia automobile, come funzionano e quali passi sono necessari per poter ricavare il massimo dalla vendita di un auto usate online.

Auto usate online: ecco i siti migliori

La rete, come detto, è letteralmente satura di portali che si offrono da intermediari per favorire la compravendita di automobili. E sotto certi aspetti, vendere unauto usata su internet non è mai stato così semplice; venderla in maniera efficace però, è un esercizio molto più difficile. Chiaramente, il miglior consiglio che si possa dare in questi casi è quello di affidarsi innanzitutto ai siti che possano offrire le maggiori garanzie. Eccone alcuni tra i migliori. è un portale ricco di informazioni utilissime riguardanti tutto ciò che dovrete sapere per vendere al meglio la vostra automobile online. Qui potrete trovare servizi di alta qualità in termini di valutazione auto online, e vi sarà possibile attraverso questo sito portare la macchina in filiale per ottenere un giudizio tecnico da personale qualificato, senza alcuna limitazione imposta da marche, chilometraggio o usura: se ha quattro ruote ed un motore, vi verrà valutata. Il tutto gratuitamente, e senza alcun genere di impegno. è un portale nato nel 1997, nonché uno dei più noti mercati italiani di annunci online. Allinterno del sito sarà possibile vendere qualsiasi cosa, comprese ovviamente le auto usate, con la sicurezza che il proprio annuncio possa ottenere una visibilità straordinaria. Ogni giorno vengono pubblicati su questo portale quasi 250.000 annunci, oltre a un milione e mezzo di utenti unici al mese. Si tratta dunque di una realtà storica e ben consolidata, che vale certamente la pena valutare nel caso si intenda vendere la propria auto su internet. è un altro sito che offre valutazione auto online gratuita, ed opera nel settore della compravendita di auto usate da più di 23 anni. Si tratta inoltre di un canale non solo ben rodato e molto conosciuto, ma anche altamente concorrenziale in materia di prezzi. Inoltre, con loro potrete avvalervi dei cosiddetti “servizi premium” dedicati ai clienti come lacquisto immediato con pagamento in contanti, gli immancabili finanziamenti agevolati, il passaggio di proprietà immediato e la garanzia di trattare con una società SRL certificata.

Autoscout24 è un altro totem del settore: la sedicente “Più grande piattaforma online in Europa per il mercato auto” è effettivamente un colosso sul quale poter fare grande affidamento, e la qualità dei servizi offerti unita alla semplicità del portale ed alla trasparenza come marchio di fabbrica, rendono questo sito una delle opzioni migliori sul mercato. Grazie ad potrete vendere bene le vostre auto usate, e nel caso ne stiate cercando una nuova su internet, visualizzare le offerte di oltre 50.000 rivenditori in tutta Europa.

Term Life Insurance – Whole Life – Best Quotes and Rates, free online insurance quote.

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PEDINI, Cucine, Bagni e Living di Design, Made in Italy, modelli di bagni.

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Modelli di bagni

Benvenuti nel mondo Pedini

Il nostro mondo è in continuo fermento, la curiosità e laudacia sono le prerogative di chi attraverso il proprio lavoro ricerca e sperimenta sempre nuove vie e soluzioni, quelle di un design che non teme le mode, ma le attraversa.


Il nostro design si esprime attraverso forme e soluzioni estetiche ricercate, partendo dall’attenta selezione di materiali innovativi e cromie, per plasmare soluzioni modulari, flessibili e personalizzate.

Ogni nostro progetto nasce da questo atteggiamento, unito ad un profondo rispetto per l’ambiente.


Veri e propri ambienti condivisi, dove non esistono più confini, ma nuove frontiere da esplorare.

L’area della convivialità non è più circoscritta alla cucina ma si integra con gli spazi circostanti, per dar vita a zone living che con un arredo moderno tracciano lo spirito contemporaneo proprio delle nostre collezioni.


Libera integrazione di elementi funzionali che minimizzano la materia, amplificano lo spazio e riflettono emozioni.

Proposte personalizzate, curate nei minimi dettagli, progettate attraverso l’utilizzo di tecnologie avanzate e rifinite con la manualità dei maestri artigiani.

Tutto rigorosamente made in Italy.

Anni di storia
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HI PEDINI è il nuovo progetto di smart home che coniuga in una cucina 4.0 il raffinato design di Pedini, la tecnologia intelligente di Microsoft e l’innovazione della startup IoMote.


La nostra casa è la vostra casa: potrete farci visita in un’ampia area espositiva per toccare con mano le nostre proposte, apprezzarne i dettagli, stimolare nuove idee e soluzioni per i vostri progetti.

La Grande Gallery Pedini è una prestigiosa location, recentemente rinnovata per i 60 anni del brand, dove oltre alle collezioni esposte prendono forma eventi e workshop dedicati al design.


La vostra cucina è una macchina perfetta e un investimento importante. Ci passate il vostro tempo almeno tre volte al giorno, e per tanti anni: ecco perchè, sicuri dell’elevata qualità che ci contraddistingue, siamo felici di offrire a tutti i nostri clienti una formula garanzia 2 + 8 anni. A partire dalla data di consegna, per 2 anni la vostra cucina Pedini è al riparo da qualsiasi inconveniente di fabbricazione. Vi offriamo la possibilità di prolungare tale garanzia per altri 8 anni, registrando la vostra cucina tramite il FORM sottostante, entro 30gg dalla data di montaggio.

Comprar Pamelas, Catálogo de Pamelas en SoloStocks, tocados al por mayor online.

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Florida Car Insurance – Compare Best Car Insurance Companies, average auto insurance.

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Florida Car Insurance

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Florida auto insurance has some unique qualities compared with insurance in other states, and we ll help you understand it all. Here we provide Florida auto insurance requirements, our recommendations for the coverage you should buy, and insurance laws that are specific to Florida. Also, you can see average car insurance rates for nearly every ZIP code in Florida to help inform you as you shop for auto insurance in the Sunshine State.

The average car insurance rate in Florida is $1,823 a year. Car insurance companies use different formulas and weigh risks differently for each driver. This means rates can vary significantly by insurer, which is why you should compare rates. For example, in Coral Gables ZIP code 33135, the highest rate among six carriers is $5,710. That s over $4,000 more than the lowest ($1,500).

Cheap car insurance in Florida

Florida car insurance requirements

Florida laws mandate that drivers carry $10,000 of personal injury protection (PIP). It covers you, your passengers and other authorized drivers of your car who are injured while in your insured vehicle. You also must have $10,000 of property damage liability to pay for damage to others cars.

You certainly can drive with just the minimum coverage mandated by the state. But we strongly recommend that you also purchase bodily injury liability coverage. This pays, up to your policy limits, for injuries others receive in an accident caused by you or other drivers listed on your policy. While not required by the state, many car insurance companies require it as part of any policy they issue in Florida. Here’s why: Florida is a no-fault state. Treatment for any injuries you suffer is covered by your personal injury protection, up to its limit. This is regardless of who caused the accident. If bills exceed that limit, the at-fault driver is legally personally responsible unless he or she has bought bodily injury liability coverage.

If you buy bodily injury liability coverage, the smallest amount you can buy is $10,000 per person (up to $20,000 per accident). Homeowners and those with substantial assets need more than that.

Buying the recommended liability coverage with comprehensive insurance and collision coverage will cost more, but generally won t break the bank. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $939 more, or $78 a month.

$500 Comp/Collision deductible

**The table shows the average annual rate of nearly every ZIP code in Florida from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for by Quadrant Information Services.

Recommended car insurance coverage

The best car insurance coverage may not be the cheapest, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don t drive much. But if you have a home and investments, consider buying more insurance. If you don t, you re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.


We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you’re leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. These are optional, and, typically affordable to add to a policy. The average annual rate for collision for Florida drivers is $242, comprehensive is $107, according to the Insurance Information Institute. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn t afford to replace your car if it s wrecked, or if you just want more protection on your policy.

Uninsured/underinsured motorist

These are both optional coverages and should match the liability limits you choose. Uninsured motorist coverage and underinsured motorist coverage pays for damages if you re hit by a driver with no insurance or a driver with coverage that s insufficient to pay for your repairs and medical expenses.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Florida, it’s an optional addition to your car insurance policy. Because Florida requires you to carry PIP, you likely don’t need MedPay coverage. That’s because PIP provides coverage equal to and beyond MedPay. However, one benefit of MedPay is that there’s no deductible. Another is that it covers passengers in your car who have no health insurance. Finally, Florida PIP pays only 80 percent of your medical expenses, so MedPay would cover the remaining 20 percent of costs for your injuries. MedPay does the following:

  • Covers you and your passengers medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don t have health insurance, or have a plan that doesn t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out. It is especially a good idea if your health plan has high deductibles you must pay before treatment is covered.

Gap insurance

If you don t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you re financing your car, your car is less than one year old and you ve put less than 20 percent down on it, you should buy gap insurance. If not, you don t need gap insurance.
  • If you re leasing your car, it s a good idea to buy gap insurance if you aren t already required to in your lease agreement.
  • If you own your car outright, you don t need gap insurance.

Florida car insurance rates by company

Below you’ll see average annual rates for Florida, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

Tabelle prestito Inpdap, tempi erogazione, rinnovo e modulistica prestiti inpdap, calcolo prestito inpdap.

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Prestito Inpdap

Da un paio di anni a questa parte, lex Indap, ormai Inps, aiuta e sostiene i dipendenti pubblici e i pensionati nella richiesta di un prestito e avere quindi un aiuto per affrontare le proprie spese con un po più di tranquillità. Il prestito, definito “piccolo prestito” è passato a Inps dal 2012 ed è appunto rivolto prevalentemente ai dipendenti pubblici, quindi a chi è ancora in servizio o a chi invece ha cessato lattività lavorativa.

Tabelle piccolo prestito Inpdap

Ogni Istituto, ogni Ufficio regionale, provinciale o locale dellInps Gestione Dipendenti Pubblici dà la possibilità di presentare domanda, tramite lAmministrazione di appartenenza, ad entrambi i soggetti.

La presentazione della domanda non prevede presentazione di garanzie né la presentazione di documentazione specifica, certificato medico o quantaltro, ma obbliga il richiedente ad essere iscritto alla Gestione unitaria delle presentazioni creditizie e sociali.

Vi sono differenti agevolazioni che inducono il richiedente a poter pagare in tutta tranquillità il rimborso della somma precedentemente richiesta, e questo, secondo alcuni accordi presi in anticipo o a seconda delle esigenze, può essere estinto in 12-24-36 o 48 rate mensili, come si può vedere nelle tabelle piccolo prestito Inpdap che trovate nel PDF in basso.

Tempi di erogazione piccolo prestito Inpdap

Piccolo prestito Inps annuale, biennale e triennale

È possibile richiedere importi differenti in base alle proprie esigenze. Gli importi erogabili possono essere:

prestiti annuali: limporto è pari ad una mensilità media di stipendio o dellimporto della pensione che sono rimborsabili in 12 mesi, che nel caso non si abbiano delle ulteriori trattenute, sia per quanto riguarda la situazione dei pensionati o per cessioni del quinto, le rate possono essere aumentate fino a due mensilità.

prestiti biennali: per i prestiti biennali limporto è pari a due mensilità nette di stipendio rimborsabili in 24 rate pensili e sempre nel caso non si abbiano altre trattenute, aumentabile fino a quattro mensilità

prestiti triennali: secondo la regola dei due precedenti, il prestito triennale è rimborsabile in 36 rate mensili e coinvolge tre mensilità nette di stipendio. Sempre in base alle condizioni già menzionate sopra, è aumentabile fino a sei mensilità per i dipendenti mentre per i pensionati si parla di un limite di quinto cedibile.

Tabella piccolo prestito quadriennale Inpdap

Anche nel caso di prestiti quadriennali (per ulteriori informazioni consultare la tabella piccolo prestito quadriennale Inpdap), le condizioni restano invariate. Limporto è pari a quattro mensilità medie nette di stipendio che può essere restituito in 48 rate mensili ed aumentato fino a otto mensilità, fermo restando lassenza di altre trattenute per i dipendenti e di un limite di quinto cedibile per i pensionati.

Il tasso di interesse

tasso di interesse nominale: viene applicato il 4,25%

spese di amministrazione: viene applicato lo 0,50%

premio fondo rischi.

Ovviamente, vi sono delle situazioni particolari che vanno valutate singolarmente. Per esempio, se il dipendente che ha fatto richiesta di prestito, ha già un altro prestito in corso pluriennale che sta estinguendo, il capitale concesso non può essere superiore ad una mensilità, se è biennale di due mensilità, triennale di tre mensilità e ovviamente quadriennale di quattro mensilità.

Il prestito è rinnovabile?

Per esempio, deve essere trascorso il periodo minimo di ammortamento che riguarda 6 mesi per un prestito annuale, 12 mesi per un prestito biennale, 18 per quelli triennali e infine 24 mesi per i prestiti quadriennali. I casi della vita purtroppo sono molteplici, non prevedibili e condizionati dalla salute. Cosa succede, dunque, se in servizio il richiedente dovesse subire uninvalidità permanente o dovesse perdere la vita? In questi casi, il debito si estinguerà automaticamente e, ovviamente, non potrà più essere recuperato neanche da terzi.

Tabelle piccolo prestito Inpdap per calcolare la rata

Informandosi presso lInps, o direttamente sul sito, è possibile prendere visione del prontuario per calcolare la rata del prestito rivolto a chi è iscritto alla gestione ex Indap. Questo prontuario dà la possibilità di calcolare limporto netto che può essere versato e quindi, a sua volta, limporto della rata mensile che deve essere pagata per restituirlo. Attraverso le tabelle piccolo prestito Inpdap, si può consiltare esattamente il valore della rata che non può essere maggiore di un quinto dello stipendio netto o della somma della pensione netta mensile. Ogni tipologia di prestito ha delle tabelle specifiche.

Tabelle per i prestiti pluriennali Inpdap

Tavola 1: si parla di un prestito decennale al tasso del 3,50%. La tabella riguarda un importo lordo completo di spese amministrative, interessi, spese a fondo di garanzia e importo al netto. Le fasce detà sono così scandite: 18-59 anni, 60-64 anni, 65-69 anni, 70-74 anni, 75-80 anni.

Tavola 2: riguarda il prestito quinquennale al tasso del 3,50%. La tabella riguarda un importo lordo completo di spese amministrative, interessi, spese a fondo di garanzia e importo al netto. Le fasce detà sono così scandite: 18-59 anni, 60-64 anni, 65-69 anni, 70-74 anni, 75-79 anni, 80-85anni. Come si può notare, la fascia di età è aumentata.

-Tavola 3: in questo caso, è possibile calcolare gli interessi del prestito pluriennale, moltiplicando la rata per il coefficiente corrispondente al prestito specifico richiesto e al numero dei giorni di riferimento ad esso.

In merito poi alle tavole specifiche che riguardano i Piccoli prestiti Inpdap e la loro liquidazione al tasso effettivo annuo del 4,25% o per le tavole che concernono i Debiti residui Indap che presentano un calcolo dei debiti residui netti per tutti i prestiti che listituto ha erogato nonché le rate residue, il debito residuo e labbuono di garanzia per ogni rispettiva fascia detà, possono essere consultabili direttamente sul sito specifico riguardanti il prestito Indap.

Per comodità abbiamo messo a disposizione in questa pagina i documenti da scaricare:

Tabelle Prestiti (Clicca sul Link per scaricare tutte le tabelle)

Manuale per fare la domanda online di piccolo prestito per dipendenti pubblici (clicca qui per scaricarla)

Manuale per fare la domanda online di piccolo prestito per pensionati (clicca qui per scaricarla)

Environmental Policy and Management master s degree online program University of Denver, University College

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Environmental Policy
And Management


In the Environmental Policy and Management program, you will expand or acquire knowledge in natural resources, health and safety, renewable energies, and policy and management as each relates to the environment. As the environmental field continues to grow and develop in emerging areas, industry professionals are tasked with crafting sound environmental practices, applying practical knowledge, and developing ethical management philosophies to better meet the needs of the environmental industry.

You will develop a strategic approach while learning the fundamental interconnections among the environment, technology, markets, law, and policy. Be equipped to solve the environmental challenges in our local and global communities through innovative thinking, analysis, and in-depth knowledge of environmental policy and management.

This program prepares students to:

  • Develop and demonstrate a higher awareness of environmental ethics including the responsible exercise of individual judgment and civic responsibility and honesty in dealing with environmental issues
  • Understand the importance and application of the science of ecology and its impact on the cultural and social creation of humans and earth’s physical and biological system
  • Demonstrate a solid background in business management, environmental policy, public communication and involvement, and work toward the integration of environmental improvement into all organizational business decisions and operations
  • Clearly articulate the roles of legislatures, rule-making bodies, and regulatory enforcement agencies in environmental protection and management
  • Display critical thinking processes: analyze, understand, and evaluate environmental issues in organizations including educating the public and instituting collaborative decision-making on issues involving the levels of acceptable risks and degree, intensity, and acceptability of environmental protection
  • Apply advanced methods such as life-cycle cost analyses, impact assessment, decision making, science, economics, finance, etc. in an integrative approach to craft informed decisions about complex environmental problems and challenges

Master’s Degree Concentration: A career-relevant master’s degree at University College requires 48 credit hours and is designed, delivered, and priced exclusively for working adults. Classes are offered online, on campus in the evenings, or in a combination of both.

“>Master’s Degree Concentrations

Six courses are required to complete a graduate certificate, which is designed to help students sharpen their abilities or add to their skillset through a shorter, focused program. Credits earned through a graduate certificate program may be applied toward a master’s degree in the same area.

Director’s Message

Welcome to the Environmental Policy and Management program at the University of Denver. Our curriculum includes a rich selection of options across the environmental spectrum, and helps you develop essential skills for the 21st century workplace such as problem-solving, decision-making, and critical thinking. Our curriculum is practical and applied. You will often be able to immediately apply what you have learned in class. Our classes are small, less than 20 students, so you will have ample opportunities to interact with, and get to know, your fellow students and instructors. As you pursue your degree we will provide you with strong teaching, academic advising, career services, timely and relevant content, and many opportunities to enhance your effectiveness in, and knowledge of, the environmental profession.

Buy Seagate Backup Plus Portable 1TB Hard Drive – Blue at – Your Online Shop for Hard drives, Hard drives, USBs and data storage, Laptops and PCs, Technology

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Seagate Backup Plus Portable 1TB Hard Drive – Blue 139/2872

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Thin, light and easy backup that s good to go. Protect your digital life with one of Seagate s most popular and trusted portable drives. The slim, metal design provides premium portability. With the free Seagate Dashboard software and Seagate Mobile Backup app, you have the tools for easy local, mobile, cloud and social media backup. Includes 200GB of cloud storage with OneDrive for 2 years.

  • High-speed USB 3.0 and 2.0 connectivity offers plug-and-play functionality on your pc without the need of an external power supply. Install the ntfs driver for mac , and you can use the drive interchangeably between windows and mac computers without reformatting. Install the lyve app and transform into a lyve backup device.
  • Storage space 1TB: GB2000 hours of video, 250000 MP3s, 200000 photos, 1000 Divx movies.
  • USB 2.0.
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  • Weight 0.16kg.
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  • Http: //www. Seagate. Com/support-home/.
  • Manufacturer s 2 year guarantee.
  • EAN: 7636490051562.

Extremely easy.

It truly is a small pocket size hard drive. but that doesn t mean it lacks power or speed. It’s just a USB power and data lead to connect and you’re away. Just be aware if you put all of your ‘stuff’ on the drive, you really don’t want to lose it. I think it’s great and I use it for all my work files. Highly recommended.

Yes, I recommend this product

Helpful? Yes ( 0 ) No ( 0 )


Location: Devon. Age: 55 to 64 Gender: Male

423 review s

Questions answers

85 questions | 101 answers Ask a question

Can I use this for system backup?

Not only my personal data, but for system recovery?


Location: Cumbria, UK Age: 65 or over Gender: Female

I can confirm that this portable hard drive can be used to store system recovery options if desired.

Thanks for using Argos Q photos/videos etc backed up.I would be surprised if you ever need any more space.

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Jon Norwich

Emergency Preparedness and Response

#emergency #response #plan #ppt, #emergency #preparedness #and #response


Emergency Preparedness and Response

Emergencies can create a variety of hazards for workers in the impacted area. Preparing before an emergency incident plays a vital role in ensuring that employers and workers have the necessary equipment, know where to go, and know how to keep themselves safe when an emergency occurs. These Emergency Preparedness and Response pages provide information on how to prepare and train for emergencies and the hazards to be aware of when an emergency occurs. The pages provide information for employers and workers across industries, and for workers who will be responding to the emergency.

General Preparedness and Response

Natural Disasters and Weather

Emergency Events

Zika Virus

The Occupational Safety and Health Administration (OSHA) and the National Institute for Occupational Safety and Health (NIOSH) are monitoring the Zika virus outbreak spreading through Central and South America, Mexico, and parts of the Caribbean, including U.S. territories. This interim guidance provides employers and workers with information and guidance on preventing occupational exposure to the Zika virus.

Washington Mudslide

At approximately 1:45 p.m. on Saturday, March 22, 2014, a major landslide occurred 4 miles east of Oso, Wash. (and 17 miles east of Arlington, Wash.), in OSHA Region X when a portion of a hillside collapsed. Mud and debris from engulfed residential sites slid across the North Fork area of the Stillaguamish River in Snohomish County.

The area where the mudslide occurred experienced up to 200 percent normal rainfall during the previous 45 days. Nearby Arlington, Washington reported 7.33 inches of rain that month, almost double the average for March and the area’s fourth-wettest March on record.

Oil; Chemical, Biological, Radiological, Nuclear, and Explosive (CBRNE) Incidents

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Nachhaltigkeit SteiermarkВ -В Nachhaltigkeit – Land Steiermark, nachhaltigkeit in unternehmen.

#Nachhaltigkeit #in #unternehmen

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Remodeling Ideas, Home Planning, Kitchen & Bath Design, HGTV, latest home design ideas.

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Emprendimientos, ideas de negocios, rentables, emprendedores, trabajar desde casa, hogar u oficina, negocios rentables en internet.

#Negocios #rentables #en #internet

negocios rentables en internet

Negocios rentables en internet E-EMPRENDIMIENTOS.COM

Negocios rentables en internet

Negocios rentables en internet

Negocios rentables en internet

Lista de Ideas para Emprendimientos y negocios:

Emprendimientos, Ideas de Negocios Rentables – Emprendedores, negocios para trabajar desde casa, hogar u oficina.

їQuй pasarнa en tu vida, si a partir de hoy decidieras trabajar desde tu casa de manera independiente, es decir, trabajar solo para ti ?

Negocios rentables en internet

ї Cуmo cambiarнan tus cosas?

Que sucederнa si te dispones a realizar tu sueсo de emprendedor, de la empresa propia: Una actividad independiente que no solo te permita ganar dinero, sino disfrutar de tu tiempo administrбndolo como y para hacer lo que prefieras.

Es la intenciуn de nuestro site promover el espнritu emprendedor que hay en ti, facilitarte ideas para que concretes los negocios que siempre has soсado, o brindarte nuevas ideas de negocios rentables, para que puedas evaluarlas y de acuerdo a tus gustos y capacidades, puedas sacar a luz el empresario o empresaria que ya existe dentro de ti.

Ў Ganando tu propio dinero ! ; NO dinero para otro. Dinero para ti. Ў Y la verdad que que con una actividad independiente puedes ganar buen dinero !

Si realmente quieres tomar una de las oportunidades de negocios que se te presentan a diario, no te guнes por prejuicios, realiza tus propios juicios valorando la informaciуn disponible y a tu alcance, infуrmate desde fuentes de "primera mano", te recomendamos que si buscas una oportunidad de cambio a nivel laboral o comercial, te abras a nuevas posibilidades, partiendo de tu presente hacia futuro econуmico y personal mejor, permнtete y regбlate hoy un cambio de actitud y te reportarб en increнbles beneficios.

Hasta ahora, quizб solo has “cambiado tu tiempo por algъn dinero” (asн son los empleos convencionales) . ї Quй tal si decides Ganar por lo que Vales ? .

ї Te has preguntado si g anas lo que realmente vales ?

Puedes comenzar una actividad independiente y rentable, tanto a tiempo parcial o total, o comenzar dedicando una parte de tu tiempo y luego dedicarte a ella full -time a estos negocios , Ў Eso lo decides tu !

ї Serб esto posible para mi ?”

Podemos demostrarte que si tienes actitud, entusiasmo y perseverancia , no importarб que seas o no un profesional de la venta , un empleado, un estudiante, una ama de casa, un operario ; ni tampoco importarб tu experiencia comercial anterior ; o si aъn no has realizado ninguna actividad independiente y reciйn estбs por lanzarte a tu primer trabajo como emprendedor .

Se trata de que descubras t u “real valor en el mercado”, de que cada dнa en el que te levantes por la maсana, sea con entusiasmo, sabiendo que estбs construyendo tu presente y tu futuro econуmico . Hemos visto personas felices con sus emprendimientos y negocios en Espaсa, Colombia, Venezuela, Mйxico, Argentina, Chile, Ecuador, USA, (Estados Unidos de Norteamйrica), Perъ, Bolivia, Uruguay, entre otros paнses que mencionaremos mбs adelante.

· Que es posible re-inventarse.

· Que no eres lo suficientemente joven para comenzar hoy.

· Que no eres lo suficientemente viejo para “volver a empezar”.

Dices: “No tengo suficiente dinero ni capital para comenzar nada”

“ No tengo el conocimiento, ni las herramientas para hacerlo “

Pues la mejor de todas las noticias es que:

Para ganar tu propio dinero, para volver a empezar una actividad rentable para ti:

No necesitas ninguna de estas cosas . :

· ni el conocimiento previo,

· ni contar con tus propias herramientas, (mбs que contigo mismo),

· y especialmente no necesitas grandes inversiones de dinero para obtener grandes ganancias.

Estos son mitos y mentiras , como las que uno se dice a si mismo , las que terminamos creyendo, que nos impiden emprender con libertad, que matan nuestro "espнritu emprendedor".

“ Procuramos facilitarte el conocimiento y las herramientas para que tengas йxito en la nueva actividad independiente que emprendas” .

La respuesta es simple, y quizб la entiendas cada vez mejor , a medida en que avances y progreses al montar tu propio negocio

He aquн la respuesta:

Es la ley de Ganar-Ganar.

La ъnica ley posible para los negocios exitosos y la ъnica forma de hacerlo . Hoy, si quieres recibirбs la ayuda para saber cуmo ser un emprendedor exitoso .

Este mismo modelo lo aplicarбs luego; ofrecerбs ayuda a otros emprendedores y ganarбs dinero tu tambiйn haciendo esto.

Es increнble . y tan real como suena:

Negocios rentables en internet

Ў Ganarбs mбs y cada vez mбs por ayudar a otros a tener йxito en los negocios asн como tu lo tendrбs !

Negocios rentables en internet

Siempre con la ley del Ganar-Ganar.

Negocios rentables en internet

Siempre ayudando a otros a montar y progresar con su nuevo negocio.

Porque es verdad que todo lo que damos en esta vida , nos “vuelve” y en gran abundancia .

Tienes “ nada que perder y todo por ganar ”.

ї Cuбnta gente conoces que dice “fracasй”, “siempre me va mal”, “no me alcanza” etc. etc. etc. ?

Detente un momento cierra tus ojos y analiza como fueron y son sus vidas, sus actitudes frente a las oportunidades que se le presentaron a cada momento .

Fнjate si tomaron las oportunidades de negocios o de otro tipo, que se les cruzaron, si arriesgaron, aunque sea algo de su tiempo, si se movieron de su comodidad, si fueron perseverantes en su bъsqueda .

Seguramente cuando abras tus ojos, verбs que la respuesta es que:

“ No hicieron nada , o cedieron, vacilaron y abandonaron ante el primer tropiezo" .

Nada se interpone en el camino de los que saben hacia donde se dirigen, nada ni nadie los puede detener porque saben bien hacia donde van.

ї Tu sabes a donde vas?, no importa si aъn no lo tienes claro, quizб necesitas algo de ayuda para descubrirlo.

“ Basta con tu actitud de querer saberlo ”

Ten fe en ti mismo, es “increнble lo que podemos lograr cuando nos proponemos algo y nos fijamos metas, descubrimos infinidad de recursos personales que ya estaban dentro nuestro sin ser utilizados”

Y comenzamos la espiral positiva, el “ circulo virtuoso ”

Corta ya mismo con tu “ circulo vicioso ” y “ comienza tu cнrculo virtuoso ”

Si tu idea es buscar ayuda para tus emprendimientos y negocios, mediante el aporte de ideas, este es tu sitio.

Negocios rentables en internet

Negocios rentables en internet

Se de los primeros en poner "Me Gusta" en nuestra fбgina de Facebook y mantente al tanto regularmente de los nuevos negocios y emprendimientos que puedan ser de tu interйs

Si tienes alguna sugerencia acerca de nuevas ideas para emprendedores no dudes en escribirnos a: [email protected]

Ъltimas ideas de emprendimientos y negocios incorporadas (selecciуn):

Ideen für unternehmen, ideen für unternehmen.

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Fiktion wird Wirklichkeit

Der Kultfilm Sin City war Inspiration für das Konzept der K1 Spielothek in Miesbach

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    Maßgeschneidert – anspruchsvoll – unverwechselbar

    Seit 1996 gestaltet die Ideen-Fabrik Inneneinrichtung für gewerbliche und private Objekte mit maßgeschneiderten und stilvollen Designkonzepten. Bundesweit in Deutschland, Österreich und der Schweiz tätig, entwickeln unsere 50 Mitarbeiter anspruchsvolle Einrichtungen für Hotels, Praxen, Büroräume, Bars, Restaurants, Unternehmen, Verkaufsräume, Fitnessstudios, Messestände, Casinos, Wettbüros und private Räumlichkeiten.

    Wir bieten Ihnen von der Planung, der Visualisierung und dem Design über die Fertigung bis hin zum Einbau im Objekt alle Leistungen aus einer Hand.

    Von der Jagdhütte bis zur Praxis

    Sie erhalten von uns ein innovatives Raumerlebnis, das Ästhetik, Technik und Funktion vereint und modernsten Ansprüchen standhält. Unsere Profession ist gleichzeitig unsere Leidenschaft. Daher sind wir stets bestens über neuste Trends und Designideen sowie Oberflächen und Fertigungsverfahren der Branche informiert und versetzen selbst geschulte Augen in Staunen. Unsere Innenarchitekten, Bauzeichner, Grafiker und Fachhandwerker arbeiten Hand in Hand und sorgen für ein durchgängig umgesetztes Konzept mit persönlicher Note sowie eine schnelle Abwicklung.

    Beste Qualität und wirtschaftliche Lösungen

    Kostentransparenz gehört ebenso zu einem gut ausgeführten Auftrag wie die termingerechte Abwicklung. Nach Vorgabe Ihres Budgets nehmen wir Preisvergleiche externer Dienstleistungen vor und stellen die Gewerke zusammen, welche Ihnen die beste Qualität und ein stimmiges Preis-Leistungsverhältnis bieten. Ein detaillierter Kostenvoranschlag gibt Ihnen einen klaren Überblick über alle Positionen und deren Volumen.

    Zudem bieten wir Ihnen professionelle Unterstützung bei der Leasingfinanzierung und bearbeiten alle Formalitäten schnell und unkompliziert.

    Die Ideen-Fabrik ist spezialisiert auf maßgeschneiderte Lösungen im Innenausbau.

    Von Planung, Design und Fertigung bis hin zum Einbau vor Ort mit unseren Mitarbeitern bieten wir alles aus einer Hand.

    Ihr kompetenter Partner in allen Bereichen: ob als Hoteleinrichter, Praxiseinrichter, Büroeinrichter, Gastronomieeinrichter oder Spezialist für Casinoeinrichtung (Casinobau) und Spielhalleneinrichtung – wir haben die passende Idee für Ihre Räume. Auch im Bereich der Gewerbeeinrichtung und Ladeneinrichtung sowie im Messebau und bei der Einrichtung von Privatobjekten können wir auf viel Erfahrung zurückgreifen.

    Mit Hilfe eines modernen Maschinenparks liefern wir schnelle und maßgeschneiderte Lösungen im Bereich Innenarchitektur und Ausbau.

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  • No puedo pagar la hipoteca, ¿qué opciones tengo? Pag, no puedo pagar la hipoteca.

    #No #puedo #pagar #la #hipoteca

    No puedo pagar la hipoteca, ¿qué opciones tengo?

    Renegociar la deuda, declararse en quiebra o ceder la vivienda son algunas de las vías para afrontar esta situación

    • Autor: Por LAURA CAORSI
    • Fecha de publicación: 2 de julio de 2009

    La hipoteca se ha convertido en la peor pesadilla de miles de personas que, afectadas por la crisis, las deudas y el paro, ya no pueden hacer frente a las cuotas. Según datos del Banco de España, en enero de este año ya eran 100.000 las familias que habían dejado de pagarlas. Y, tal como prevé la Asociación de Usuarios de Bancos, Cajas y Seguros (Adicae), esta cifra podría duplicarse con facilidad de aquí a finales de 2009. Por supuesto, el riesgo de encontrarse en esa situación no es nuevo. La posibilidad siempre ha existido y para todos, sin excepción; más que nada porque los plazos de amortización son muy largos, los intereses fluctúan y en 30 ó 40 años, muchas cosas pueden cambiar. Precisamente, eso es lo que ha sucedido, aunque de manera generalizada y radical. Un brusco giro en la economía ha adelgazado los bolsillos, ha engrosado el índice de desempleo y ha dibujado, con mayor o menor nitidez, gestos severos de preocupación. Las subidas del Euribor y el aumento de las cuotas que tanto agobiaban al grueso de la población hace dos años parecen un juego de niños al compararlos con la coyuntura actual: la imposibilidad real de pagar. Para unos, el problema es tangible. Para otros, inminente. Y en ambos casos, la pregunta es la misma: ¿qué opciones hay?

    Acudir al banco

    Sí, es obvio y redundante, pero es lo que hay que hacer: antes de tomar decisiones precipitadas o dejar de pagar sin más, hay que acudir al banco y plantear el problema. La razón es simple: acumular una deuda no es de recibo para nadie, ni para el cliente, ni para la entidad. De este modo, el primer paso es hablar. Como el principal objetivo del banco es cobrar el monto que se le adeuda, ayudará a buscar soluciones que sean razonables para ambas partes. Por ejemplo, refinanciar la hipoteca: renegociar las condiciones iniciales del préstamo para que se ajusten a la realidad actual. En algunos casos, alargar el plazo de pago puede constituir una buena alternativa, pues, aunque a la larga la hipoteca se encarezca, las cuotas se reducirán y el monto mensual será asumible para el cliente.

    La legislación vigente establece que el impago de la deuda hipotecaria no queda saldado por el solo hecho de entregar el inmueble

    En esta misma línea, otra opción posible es aplicar un periodo de carencia; es decir, abonar durante un tiempo únicamente los intereses. El periodo de carencia (también llamado “de gracia”) existe como figura legal para varios tipos de acuerdos y contratos, no sólo para los hipotecarios, aunque es en estos últimos donde más se conoce y aplica. En sí, se trata de una opción de duración determinada -y pactada con la entidad-, en la que el banco concede un periodo de desahogo económico al cliente para que pueda resolver el problema que le impide pagar con normalidad. En general, durante el tiempo acordado, el pago de la cuota queda reducido únicamente a los intereses del préstamo. Así, el monto mensual se reduce significativamente, la persona tiene cierto margen para recuperar su solvencia económica y, más importante todavía, evita convertirse en morosa.

    Entregar el piso

    La renegociación de las condiciones y la solicitud de un periodo de carencia son de gran utilidad para resolver muchos problemas. Sin embargo, y por desgracia, en ocasiones no bastan. Para los núcleos familiares donde deja de haber ingresos y las prestaciones por desempleo se agotan, ninguna de estas vías sirve porque, simplemente, no hay dinero. Y sin nóminas ni capital, por muy buena voluntad que se tenga, no hay nada que ofrecer al banco. Es en este punto, cuando las personas pierden la esperanza de conservar el inmueble y los clientes se resignan a acometer otro tipo de alternativas. Entre ellas, entregar el piso a la entidad. Más que entregarlo, someterlo a embargo, pues la dación en pago (devolver el piso a condición de que el banco firme un documento público en el que salda la deuda) ni es fácil de lograr, ni es barata. En caso de pactarse, implica gastos registrales y de cancelación hipotecaria.

    Transcurrido cierto tiempo de impago -generalmente, seis meses-, el banco inicia un proceso judicial para intentar cobrar lo adeudado. El resultado del mismo es el embargo de los bienes, tanto de aquellos que en su momento se presentaron como garantía como de la propia vivienda en cuestión, que será objeto de remate judicial. Excepcionalmente, este sistema resuelve de raíz el problema. El inmueble se subasta y, del dinero obtenido, el banco cobra lo que le corresponde, más las costas judiciales. Lo que sobra, si es que algo sobra, le corresponde al particular. No obstante, de la teoría a la práctica hay un trecho; y más todavía en la coyuntura económica actual, porque lo cierto es que el valor de los pisos ha bajado y no es fácil encontrar a alguien dispuesto a pagar de más. Entonces, ¿qué ocurre?

    Mientras en países como Estados Unidos la devolución del piso al banco supone la rescisión del contrato, aquí, en España, no. La legislación vigente establece que el impago de la deuda hipotecaria no queda saldado por el solo hecho de entregar el inmueble, máxime cuando el valor de la vivienda es menor que el monto de la deuda. De esta manera, el prestatario y sus avalistas son responsables de saldar hasta el último céntimo de importe, ya sea con su capital o con el resto de su patrimonio. Por tanto es bastante habitual que, para asegurarse el cobro de la diferencia, la entidad proceda al embargo de otros bienes e, incluso, de una parte de la nómina (dejando siempre a la persona el equivalente a la renta mensual básica para garantizar su subsistencia).


    Si en algo coinciden los profesionales inmobiliarios y los expertos en leyes, economía y finanzas es en que, ante la imposibilidad de pagar una hipoteca, lo fundamental es evitar la acumulación de impagos. Desde el primer momento en que se deja de abonar al banco, comienzan a correr los intereses de demora; intereses muchas veces elevados que, al acumularse, convierten un simple retraso en un problema de difícil solución. Por ello, unos y otros recomiendan siempre acercarse a la entidad y plantear la situación. Ahora bien, ¿cómo reaccionan los bancos cuando el cliente deja de pagar sin más? ¿Qué sucede? Aunque en teoría no hay un protocolo estandarizado para todas las firmas, en la práctica el procedimiento suele ser similar.

    Tras el impago del primer recibo, el banco se pone en contacto con el cliente para comunicarle que no ha abonado la cuota y descartar así que haya habido un error o un olvido. Cuando se acumulan entre dos y cinco meses de cuotas impagadas, la entidad intenta renegociar con el cliente las condiciones de su hipoteca. Hasta este momento, si el usuario paga la deuda (y los intereses), el problema queda resuelto. Si no, entra en mora y el banco, además de hacer provisión de la deuda, inicia las gestiones para ejecutar la hipoteca. A partir del sexto mes, y hasta que se cumple aproximadamente un año de impagos, discurre todo el proceso legal para poder subastar el inmueble. Mientras esto ocurre – incluso mientras se fija la fecha de la subasta (algo que se suele ocurrir al año y medio de haber dejado de pagar las cuotas)- la deuda continúa creciendo y los intereses se siguen acumulando. El procedimiento de subasta puede detenerse mediante el pago de lo que se debe. Sin embargo, pasado tanto tiempo, lo habitual es que el usuario no disponga de tanto dinero como para hacer frente a la mora. Así, el inmueble se subasta y, si hay suerte, el dinero que se recupera alcanzará para saldar la deuda y pagar las costas judiciales. Si no, el ex propietario de la vivienda seguirá obligado a pagar la diferencia con el banco. Incluso si el piso no se vende en la subasta, la entidad puede quedárselo en propiedad y el usuario, si el juez lo estima oportuno, tendrá que seguir pagando.

    Malteser Mainz – Startseite, unternehmen mainz.

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    Malteser in Mainz

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    Unsere Dienste im Schnellüberblick

    Stammtisch für Ehemalige

    Immer wieder kommt es vor, dass ehemals aktive Malteser den Anschluss an ihren Verein verlieren, weil sie nicht mehr regelmäßig an den Ausbildungen teilnehmen können und damit auch nicht mehr für Einsätze zur Verfügung stehen können. Dem wollen die Mainzer Malteser nun entgegen wirken.

    Ein Malteser-Stammtisch soll regelmäßig die Möglichkeit zur Zusammenkunft mit ehemaligen Malteser-Kollegen schaffen und so die Möglichkeit geben, gemeinsam in Erinnerungen zu schwelgen und nebenbei auf dem Laufenden zu bleiben, was sich aktuell im Verein tut.

    Domain, Mail, Webspace, hoster online.

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    hoster online

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    SUCHMASCHINEN EINTRAG KOSTENLOS! Im Gegensatz zu Providern die Ihnen nur zusagen Ihre Domain bei diversen Suchmaschinen

    anzumelden, stellt Domainunion sicher, das Ihre Domain auch tatsдchlich in den wichtigsten

    Suchmaschinen aufgenommen wird und das meist schon wenige Tage nach Ihrer Bestellung ! Domainregistrierung bei uns auf ьber 800 IP Adressen! Im Tarif Domain only bekommt jede Domain aus einem Pool von ьber 800 IP Adressen

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    wir begrьЯen unsere Neukunden

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    2-3 Stunden nach der Domain Beantragung war ich mit den ersten Mailadressen online.

    Eine Supportnachfrage wurde sofort und qualifiziert beantwortet.

    Meine Domainbestellung wurde derart reibungslos und schnell abgewickelt, daЯ ich mich an dieser Stelle bei Ihnen bedanken mцchte und jedem der Domains gьnstig kaufen will, absofort Domainunion weiterempfehlen werde.

    Wobei es mir nicht um Domains ging, sondern um eine eigene Mailadresse (Maildomain).

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    Nochmals vielen Dank fьr den reibungslosen und schnellen Service, ьber die ganzen Jahre.

    Dann ist da noch der Preis, der alle diese Sachen enthдlt und noch mehr, der einfach unschlagbar ist. Ich habe gerade nochmal durchgelesen was ich da geschrieben habe und es ist nicht ьbertrieben.

    Aber Domain Union hat superschnell den Umzug meiner Domains ьber die DENIC ausgefьhrt, obwohl sich mein alter Domain-Provider strikt gegen den Providerwechsel geweigert hat. Das nennt sich wohl “Domain Authinfo2 Verfahren”.

    Es gab nie Probleme und hatte ich doch mal eine Frage, bekam ich immer umgehend eine Antwort Mail. Was mir aber besonderst positiv aufgefallen ist, seit ich meine Mailadressen bei Domainunion habe, bekomme ich nur noch ganz selten SPAM Mails an meine Domain.

    Ich bin ein rundum zufriedener Domain-Kunde und kann Domainunion nur jedem als

    Bachelors in Psychology Online Degree – Capella University

    #online #psychology #degree #california


    BS General Psychology Specialization Bachelor of Science in Psychology

    Specialize at the Undergraduate Level

    You can add a concentration to your degree and hone in on your specific area of interest. Personalize your learning toward your career goals—whether that’s a new job, or further study in a graduate program. Your concentration can be included on your transcript to potentially enhance career options.

    Concentrations available for this program include:

    Apply knowledge of theories, treatments, and current research needed to respond to the psychological and behavioral aspects of a variety of addictions. Prepare for careers such as psychiatric technician or intake worker.

    Behavioral Health
    Gain the knowledge and skills you’ll need for service in the Behavioral Health field. Pursue graduate level programs upon completion of your degree, or seek a variety of careers, such as case manager, crisis worker, or victim advocate.

    Forensic Psychology
    Focus your study on criminal behavior and the roles forensic psychology professionals play in legal proceedings and treatment. Recognize the role, rights, and needs of victims in the criminal justice process, and prepare for careers such as victim advocate or child protective worker.

    Save Thousands on Your Master’s with a Combined Degree Option

    Capella’s combined Bachelor’s-to-Master’s degree options allow you to save significant time and money. It also allows you to start building for your future by earning Master’s-level credit while you complete your Bachelor’s.

    Depakote Lawyers and Lawsuits – Attorneys for Depakote lawsuits

    #depakote #lawyers


    What is the Depakote Class Action Suite

    Depakote. Lawsuits. Litigation Lawyers. Semisodium valproate (a compound of sodium valproate and valproic acid ) is a medicine used in the drug Depakote to treat migraines, seizure disorders and manic episodes associated with bipolar disorder.

    Depakote, the proprietary name given to the drug divalproex sodium in the United States, is a prescription drug that was developed to treat seizures and episodes of mania for those with bipolar disorder. While Depakote served as an effective treatment for some ailments and disorders, it has also been linked to serious side-effects that can cause lasting health problems.


    Attorneys for Depakote lawsuits is a website that offer information for lawyer and clients on Depekote Class Action lawsuite. This is not a legal advice website, it is a resource website for information from around the web only.

    Instant Solutions for Depakote Class Action Suite What Does Depakote Class Action Suite Mean? Check with your doctor prior to starting, stop, or modify the dose of any medication. The medication is used in the treatment of epilepsy and, sometimes, depression. Taking this medication when pregnant can result in birth defects and might reduce your

    Life, Death and Depakote Lawsuits Choosing Depakote Lawsuits Is Simple Depakote is used as a treatment for different types of seizure disorders. Depakote is fabricated by Abbott Laboratories. Depakote is connected with a wide-range of health complications. Because of inadequate warnings, Depakote has been utilized by many pregnant ladies, causing devastating birth defects and malformation

    A Guide to Depakote Lawyers The New Fuss About Depakote Lawyers Our Depakote lawyers know that no quantity of money can actually compensate for your kid s suffering. They offer free case reviews. The experienced Depakote lawyers we re working with can supply you with more information concerning the drug and your possible claim. If you intend

    State Farm Insurance Randy Johnson (303) 791-8883 – Offering Auto, Home, Life Insurance, and more

    #state #farm #free #quote #for #car #insurance


    Randy E Johnson Ins Agcy Inc

    • State Farm Agent since 1986 in Denver Metro
    • Recognized as 5 Star Agent by 5280 Magazine
    • Purchase Online or Call Us 24/7
    • Chamber of Commerce of Highlands Ranch Member
    • Free Quotes on Home Insurance & Renter’s Insurance
    • Offering Auto Insurance in Highlands Ranch & Littleton
    • Crystal Excellence Award Recipient
    • Auto Insurance in Denver, Littleton & Highlands Ranch
    • Focusing on Relocations to Denver Metro Area
    • Serving Denver Insurance Customers For Over 28 Years
    • Honor Agent Qualifier, Life Honor Club Qualifier
    • Highlands Ranch Community Association Participant
    • University of Utah, BA
    • Supports Soles 4 Souls Charity, drop-off location
    • Car Insurance in Denver, Littleton, Centennial

    Our mission is to maintain our customers in the #1 position of our organizational chart. Their needs are our primary concern. We will help our policyholders envision an insurance and financial program for their secure future.


    State Farm Bank, F.S.B. Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

    Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

    Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp. (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

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    Los Angeles California Attorney at Law, LA CA Business lawyer, contract attorney los angeles.

    #Contract #attorney #los #angeles


    contract attorney los angeles

    Contract attorney los angelesThe Law Office of Jonas M. Grant, A.P.C., is a Los Angeles, California law firm focusing on cost-effective business, employment, real estate, intellectual property, entertainment, and estate planning representation for start-ups, established small businesses, entrepreneurs, and individuals and families throughout Los Angeles, California, Nevada, and the world.*

    Current client industry sectors Internet and technology, physicians and health care, real estate, consulting, retail, apparel, and entertainment.

    Law Office of Jonas M. Grant

    A Professional Corporation

    Woodland Hills, CA 91364

    By Appointment Only

    * Principal attorney Jonas M. Grant, Esq. licensed in California, Nevada, and Illinois (inactive).

    Law corporation licensed by the State Bar of California.

    Contract attorney los angeles

    This law firm web site is intended for those seeking to find a Los Angeles California Business Attorney, Los Angeles California LLC Lawyer, Los Angeles CA Incorporation Attorney, Los Angeles California Trademark Lawyer, Service Mark Attorney, Los Angeles California Copyright Attorney, or Los Angeles Estate Planning Attorney or Wills and Trusts Lawyer. The attorney of this law firm serves clients worldwide but primarily those residing in and/or conducting business in Southern California; namely, Los Angeles County (including the San Fernando Valley cities Studio City, Sherman Oaks, Burbank – downtown and Media Center areas, Toluca Lake, Valley Village, North Hollywood / NoHo Arts District neighborhood, Van Nuys, Valley Glen, and the West Valley neighborhoods Woodland Hills, Encino, Tarzana, Calabasas, Topanga Canyon, Chatsworth, and West Hills, along with other County of Los Angeles cities such as Glendale, Pasadena, the City of Los Angeles, Hollywood, and the west side neighborhoods of Westwood Village – mid Wilshire corridor, West Los Angeles (westside), Beverly Hills, Bel Air, Culver City, Malibu, Pacific Palisades, and Brentwood). We also serve clients from the O.C., Orange County (including Irvine, Santa Ana, Fullerton, Anaheim, and Orange) – Ventura County (Ventura, Simi Valley, Oxnard, Santa Clarita, Newhall, Valencia, Canyon Country, and Moorpark) – Riverside County – San Bernardino County – Inland Empire / Central California – Sacramento, Fresno / Northern California and San Francisco – Bay Area – Silicon Valley – San Jose | Area codes served include 818 & 747 | west side area codes 310 and 424 | la area code 213 la | l.a. area code 323 l.a. | area code 909 | area code 951 | area code 805 | area code 626 | area code 562 | socal area code 714 | area code 949 | so cal area code 619 | area code 858 | area code 760 | areacode 661 | area code 559 | area code 831 | area code 209 | area code 916 | area code 707 | area code 530 | area code 415 | area code 650 | area code 510 | area code 408 | and area code 925. losangeles calif califrnia usa

    Please do not hesitate to inquire if your legal needs are not mentioned above; this is of necessity a partial list, and a referral to another Los Angeles California attorney or Southern California lawyer may often be made if your legal needs fall outside the practice areas listed above. No matter is too small or too large – we associate with other experienced Los Angeles California lawyers and Southern California attorneys and law firms when doing so is advantageous to the client’s interest. Not sure? A free initial consultation via telephone or email can help you decide if we are the law firm for you.

    The Center For Outcome Measurement in Brain Injury

    #brain #injury, #head #injury, #outcome, #assessment, #disability #rating #scale, #function, #handicap, #coma, #national #institute #on #disability #and #rehabilitation #research, #santa #clara #valley #medical #center, #scoring #guidelines, #training, #testing, #functional #independence #measure, #fim, #glasgow #outcome #scale, #gos, #alcohol, #awareness, #community #integration #questionnaire, #confusion, #employment, #employability, #employment, #family, #cognitive, #orientation, #competency, #life #satisfaction, #supervision, #abs, #agitated #behavior #scale, #aq, #cnc, #ciq, #cap, #chart, #craig #handicap #assessment #and #reporting #technique, #chief, #drs, #fnq, #fam, #gos-e, #lcfs, #level #of #cognitive #funtioning #scale, #rancho, #mpai, #mayo #portland #adaptability #inventory, #mast, #nfi, #neurobehavioral #functioning #inventory, #o-log, #cog-log, #pcrs, #swls, #satisfaction #with #life #scale, #sos, #srs, #supervision #rating #scale, #nidrr, #measurement, #evaluation, #reliability, #validity, #properties, #tbi


    The Center for Outcome Measurement
    in Brain Injury

    Welcome to the homepage of the Center for Outcome Measurement in Brain Injury (COMBI), an online resource for those needing detailed information and support in regards to outcome measures for brain injuries. The measures included in the COMBI are commonly used in the field of brain injury rehabilitation and assessment. The COMBI is a collaborative project of 16 brain injury facilities or centers, most of them Traumatic Brain Injury Model Systems (through grants funded by the National Institute on Disability and Rehabilitation Research). Each center contributes information on one or more measures.

    For each measure there may be a syllabus and training information, rating forms, background information on validity and reliability, a reference list of published studies, and testing materials. A FAQ (Frequently Asked Question) section is also being included, compiled from past training information and questions e-mailed to us. To find out which scales are currently featured in the COMBI, go to the Scales page. There are currently more than 25 instruments featured on the COMBI.

    Getting around on the COMBI
    To find out which scales are currently featured in the COMBI, go to the Scales page.

    To find out more about the COMBI and the organizations that work to make it successful, go to the Background page.

    To fill out our online survey, go to the Survey page.

    To read current and back issues of our online newsletter, Outcome Oriented, go to the Newsletter page.

    October 2014
    French-Canadian translations of the MPAI-4 (Mayo Portland Adaptability Inventory) Rating Form, the M2PI (Participation Index) and MPAI-4 Manual have been added.
    Access the instrument here.

    Tarjeta de Crédito Bradescard C – A Visa: Lo Bueno y Lo Malo, tarjetas de credito prepago.

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    Tarjeta de Crédito Bradescard C&A Visa: Lo Bueno y Lo Malo

    Tarjetas de credito prepago

    Tarjeta de Crédito Bradescard C&A Visa: Lo Bueno y Lo Malo

    Tarjetas de credito prepago

    Al igual que otras tiendas departamentales en México, C&A cuenta con su propia tarjeta de crédito, con la cual buscan incentivar a la gente a través de promociones y descuentos que no se podrían obtener si no se tramita el plástico.

    Si eres cliente frecuente de esta tienda, o estás dispuesto a serlo, te invitamos a leer nuestro análisis sobre la Tarjeta de Crédito Bradescard C&A y así sepas si contar con esta forma de pago hace realmente la diferencia.

    Ventajas de la Tarjeta de Crédito Bradescard C&A Visa:

    • No requiere historial crediticio. Si tienes un empleo o negocio, necesitas un ingreso mínimo de $2,500. Estudiantes y amas de casa no comprueban ingresos, pero deben llevar a la tienda donde solicitarán la tarjeta un certificado de estudios o de matrimonio (según sea el caso)
    • Reembolso en efectivo del 15% en la primer compra en cualquiera de las sucursales C&A, el cual se depositará en una tarjeta Fashion Gift (monedero electrónico). La compra mínima debe ser de $500.
    • Obtienes meses sin intereses siempre (por cualquier compra) y tienes acceso a un catálogo permanente de promociones y descuentos exclusivos.
    • Cuenta con el programa Club de Beneficios, que permite contratar (con costo extra) seguros de vida, odontológicos, de salud, etc.
    • Es aceptada como forma de pago en Oxxo, GOC make up, Farmacias del Ahorro y Burguer King.
    • No cobra cuota anual para el titular ni para los adicionales.

    Desventajas de la Tarjeta de Crédito Bradescard C&A Visa:

    • Al ser un plástico departamental y no estar respaldado por Visa o MasterCard, sólo puede ser utilizado en C&A y en sus comercios afiliados.
    • No tiene programa de lealtad, lo que no incentiva su uso para obtener recompensas. Opción con la que sí cuentan otros productos departamentales como la Tarjeta Liverpool o la Tarjeta Palacio de Hierro.
    • Cuenta con una tasa de interés anual promedio ponderada de 36.97%*, que la ubica entre las tarjetas con mayor tasa de interés dentro de su segmento.

    *Calculado al 31 de julio de 2016 de acuerdo a la página oficial de BradesCard México.


    La Tarjeta Bradescard C&A es una buena opción para los fanáticos de la tienda que quieren obtener promociones y facilidades de pago, aunque deben tener en cuenta que sólo la podrán utilizar en C&A (y comercios afiliados) y no tendrán acceso a algún programa de lealtad.

    Además, al tener una tasa de interés elevada, nuestro consejo es que no te financies con ella y en caso de hacerlo, te limites a las promociones de meses sin intereses.

    Por otra parte, si te interesa un producto para pagar artículos en tiendas departamentales y tener la opción de usarlo en miles de establecimientos, te puede interesar la Tarjeta Liverpool Premium Card , que no requiere historial crediticio, cuenta con programa de recompensas y está respaldada por Visa.

    Tarjetas de credito prepago

    Ordre des Avocats du Barreau de Nancy, barreau des avocats.

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    Barreau des avocats

    De nouveaux confrères viennent de prêter serment devant la Cour d’Appel de NANCY


    Passage de Bâton : La presse en parle

    L’Est Républicain s’est fait l’écho de la récente manifestation au cours de laquelle Monsieur le Bâtonnier Frédéric FERRY a remis le Bâton d.


    Passage de Bâton

    Monsieur le Bâtonnier BERNA s’est vu remettre le Bâton de l’Ordre des Avocats par Monsieur le Bâtonnier FERRY


    Ouverture du compte Twitter de Monsieur le Bâtonnier de l’Ordre des Avocats de NANCY

    Monsieur le Bâtonnier est désormais sur Twitter.


    Les avocats du Barreau de Nancy ont participé à la Course de la Saint Nicolas

    Les avocats du Barreau de Nancy ont participé à la Course de la Saint Nicolas du 26 novembre 2017 ; ils ont reçu les honneurs de la presse et….

    Notre charte


    La courtoisie et l’amabilité président aux relations réciproques entre l’avocat et le client. Les demandes de rendez-vous ou de renseignements téléphoniques seront satisfaites dans les meilleurs délais possibles.


    Après étude et réflexion suffisantes, l’Avocat met ses compétences au service de son client et lui donne des informations précises et complètes sur ses droits et ses obligations.


    L’Avocat n’accepte que les missions qui rentrent dans le cadre de ses compétences. Il maintient ses connaissances juridiques, la qualité et la fiabilité de ses prestations grâce à une formation permanente.

    Transparence des honoraires

    Dès le premier contact, l’Avocat informe son client des coûts prévisibles de son intervention. Il lui explique les modes de fixation et de paiement des honoraires; il propose et établit le cas échéant une convention écrite.

    Secret professionnel

    L’Avocat garantit le secret absolu à son client. Il lui assure dans tous les cas (procédures, pourparlers, relations avec les différentes autorités. ) une totale sécurité.


    L’Avocat n’est guidé que par l’intérêt de son client. Il reste donc totalement indépendant de toute pression ou sollicitation extérieures. Il n

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    Texas Car Insurance – Quotes, Coverage – Requirements, texas auto insurance.

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    Car Insurance in Texas

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

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

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

    Other Car Insurance

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

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

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

    Car Insurance Alternatives

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

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

    Proof of Insurance in Texas

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

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

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


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

    Among the agencies that use TexasSure are:

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

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

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

    Violation Fines and Penalties

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

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

    Texas Automobile Insurance Plan Association

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

    To be eligible for the TAIPA program, you must:

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

    TAIPA Coverage

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

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


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

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

    Leaving TAIPA

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

    Help With Your Car Insurance Complaints

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

    The most common complaints TDI helps resolve involve:

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

    TDI cannot assist you with the following:

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

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

    Driving While Intoxicated (DWI)

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

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

    Drug and Alcohol Driving Awareness Discount

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

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

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

    Most Stolen Cars in Texas

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

    The following is a list of the most stolen cars in Texas for 2013, according to

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

    Objetivos de la acción educativa, objetivos del area de finanzas.

    #Objetivos #del #area #de #finanzas

    Objetivos de la acción educativa

    Definición de objetivo:

    Es un parámetro de evaluación a nivel de educación.

    En el campo de la educación, podemos decir, que un objetivo es el resultado que se espera logre el alumno al finalizar un determinado proceso de aprendizaje.

    Finalidad de los objetivos:

    Los objetivos no constituyen un elemento independiente dentro del proceso educativo, sino que forman parte muy importante durante todo el proceso, ya que son el punto de partida para seleccionar, organizar y conducir los contenidos, introduciendo modificaciones durante el desarrollo del proceso de enseñanza-aprendizaje, además de que son la guía para determinar qué enseñanza y cómo enseñarlo, nos permiten determinar cuál ha sido el progreso del alumno y facilitar al docente la labor de determinar cuáles aspectos deben ser reforzados con su grupo de niños.

    Tipos de objetivos:

    De acuerdo a los fines que se desean lograr, los objetivos pueden ser de mayor o menor amplitud y en cada caso existen procedimientos y recursos específicos para alcanzarlos.

    La clasificación que se hace entre objetivos generales y específicos es relativa, ya que cada uno de ellos puede ser considerado como general o especifico según la forma como sean interpretados y de la relación que tengan con otros objetivos. A continuación se exponen un ejemplo que ilustra lo señalado anteriormente:

    Ejemplo: A través de la implementación del programa “X”, se espera:

    1. Facilitar en los niños el desarrollo de su expresión verbal.
    2. Que los niños aumenten el número de palabras que integran su vocabulario.
    3. Que los niños utilicen adecuadamente los tiempos pasados y futuros de por lo menos 5 verbos.
    4. Que los niños articulen correctamente las palabras que contengan la letra “rr”.

    En estos casos, el objetivo b) es específico con respecto a a), pero general con respecto a c). Igualmente, el objetivo c) es específico con respecto a b), pero general con respecto a d). En cualquier caso, al formular objetivos, es importante que el docente tome en consideración los siguientes aspectos:

    • El objetivo general de la acción educativa en el área de preescolar, debe ser el de facilitar en el niño el desarrollo de sus potencialidades en la forma más espontánea posible.
    • En la práctica vemos que en muchas oportunidades no se dan todos los procesos esperados para un nivel de edad; en forma espontánea. En estos casos es necesario que el docente planifique en forma específica los objetivos a lograr con su grupo. Recordemos que estos niños que ahora están en preescolar en uno dos años ingresaran a la Escuela Básica y para lograr éxito dentro de un proceso de aprendizaje formal necesitan un adecuado nivel en todas sus áreas de desarrollo. Por lo tanto los procesos que no se den de forma espontánea deben ser reforzados por el docente.
    • Con mucha frecuencia los objetivos generales son de de tal amplitud que resultan muy difícil evaluarlos en una forma válida. Estos objetivos generales debemos dividirlos en objetivos más específicos que puedan ser evaluados con mayor facilidad.
    • Los objetivos deben estar formulados desde el punto de vista del niño y no del docente, destacando lo que el alumno debe ser capaz de realizar a través del proceso de aprendizaje.
    • Los objetivos específicos deben ser redactados en términos de conductas observables con el fin de que posteriormente puedan ser evaluados.

    LLC Insurance Coverage – Requirements, Costs and Quotes, Trusted Choice, small business insurance colorado.

    #Small #business #insurance #colorado

    LLC Insurance

    Small business insurance colorado

    One of the key reasons for starting a limited liability company (LLC) is to separate your personal liability from your business operations. As a business owner, you want your personal assets to be protected in case your business is taken to the mat with a liability insurance claim, or worse – a lawsuit.

    It’s essential that you find the right LLC insurance to protect your business against coverage gaps. A Trusted Choice ® member agent can help you find LLC insurance coverage that meets your needs. Local member agents are familiar with your state regulations and LLC insurance requirements and will work with you to tailor a policy that meets your business needs. For professional assistance, contact a Trusted Choice member agent today.

    Limited Liability Exceptions

    You can be held responsible ( liable ) for things you do while performing work for your limited liability company. For example, your LLC will most likely not protect you if:

    • You personally injure someone

  • You personally guarantee a business loan or debt

  • You don’t manage your business taxes correctly

  • You intentionally commit a crime or engage in fraudulent or reckless behavior that damages the company

  • Rather than treating your company as a separate business entity, you mix business and personal accounts or expenses

    Does a Limited Liability Company Act as LLC Insurance?

    Starting an LLC does not protect you from all threats. For example, a fire can break out and can damage equipment and other business property. This means that while an LLC designation can provide important protection, it does not act as insurance.

    It is also important to understand a concept called piercing the corporate veil. You can think of an LLC as a kind of barrier between your business operations and your personal finances. However, certain errors you make can allow the legal system to break through that barrier. For example, if a limited liability company takes on excessive business debt, a legal team can sometimes hold the business owners accountable for those debts.

    Consulting in depth with both your independent agent and your attorney about your personal risks with regard to your LLC activities is wise, and can help to ensure both you and your business are protected.

    LLC Insurance Requirements Vary by State

    LLC insurance requirements are set by the state government, so make sure you’re complying with state business insurance laws when you begin operation. Your required coverage may include:

    • Workers compensation: All states require this coverage, regardless of whether the business is a limited liability company. But the specific requirements vary by state. Some states require workers compensation whether or not a company hires staff members, and some require it if the business has a certain number of employees, such as three or more.
    • Disability insurance: Some states require businesses to contribute to disability insurance. Whereas workers compensation covers work-related injuries and illnesses, disability insurance covers non-work-related incidents and illness that prevent a worker from returning to work.
    • Unemployment insurance tax: Check with your state to determine if this tax is required. It is designed to help cover the costs of unemployment insurance for workers who lose their jobs. You may need to register your company with the state workforce agency as well.

    Property Insurance Coverage for LLCs

    Property insurance is one of the critical forms of business insurance that all companies operating from a business site should purchase. This coverage protects your business property from damage or loss due to a covered cause, such as fire. A good commercial property policy will include coverage a variety of things, ranging from the structure of your building to your personal property stored at the business site. Be sure to examine your policy closely for any exclusions.

    This type of insurance is typically offered in three forms:

    • Basic: Similar to your homeowner policy, this will cover a list of perils including fire, certain natural disasters, and vandalism. However, it may not cover theft.
    • Broad: This expands the list of perils so that you have added coverage.
    • Special form: Instead of naming the things that are covered, this policy provides the most protection and only lists perils that aren’t covered.

    Note that flooding is rarely covered by a commercial property policy.

    Liability Insurance For LLCs

    Although there are many forms of commercial liability insurance, not all will protect you or your business if you’re held responsible for certain errors. Be sure to talk with a knowledgeable independent agent who can help assess your risks and choose the appropriate coverage for your commercial operation.

    Just how extensive your liability needs are depend on the type of business you operate and the risks you face. There are a few different liability insurance options for LLCs:

    • General liability: If a customer is injured while on your property or you’re accused of slander, this policy will help take care of medical expenses, legal defense costs, and judgements/settlements. Setting the right coverage limit will be the key to protecting your LLC.
    • Product liability: If you’re active in any step of product manufacturing or product sales, you need this coverage. You can be held liable if the product causes injury or property damage.
    • Professional liability: Also known as errors and omissions insurance, or E O, this is best for LLCs that provide professional services. For example, a doctor will need a form of professional liability known as malpractice insurance, which is specialized for the medical field, while an investment firm needs E O coverage for advice provided to clients that can potentially result in a financial loss.
    • Directors and officers liability: Also called D O, this liability coverage protects your company in the event that legal action is brought against one or more of your directors or officers due to accusations of negligence or wrongdoing.

    Of course, there are many other forms of LLC insurance coverage that you may need. If you have a fleet of vehicles, for example, you will need to purchase commercial vehicle insurance that covers all employee drivers, vehicle damage and your company’s liability in the event that you or a staff member is at fault for an accident.

    Additionally, you may also want to invest in business interruption insurance, which can help cover the expenses it takes to keep running your business if you’re displaced due to a building fire or natural disaster.

    How Much Does LLC Insurance Cost?

    Costs for the insurance package you need to protect your company will vary widely based on factors such as the type of business you run and the specific types of coverages you need. Additionally, your specific LLC insurance costs will depend on how many employees you have and whether you work in a litigation-prone industry. For this reason, it’s a good idea to compare LLC insurance quotes based on your unique business and risks.

    Whereas a small business with few risks may only need to pay a few hundred dollars per year for adequate protection, a larger corporation can easily require protection in excess of $500,000 annually. To get accurate LLC insurance quotes that are tailored to your business risks, work with an independent agent in the Trusted Choice network who can fully assess your needs and find the right coverage at an affordable rate.

    Protecting Your LLC

    Trusted Choice member agents who specialize in commercial coverage can work with you to determine what forms of LLC insurance are best suited to your business. Don’t overpay for coverage that you don’t need. Your member agent will assist with setting the right coverage limits and finding competitive LLC insurance based on your risk factors. Find an independent agent in the Trusted Choice network today for personal assistance.