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Buying LCA policy, which insurance risks, you can include in your medical insurance policy? In other words – what medical services can be provided to you by your insurance policy for voluntary health insurance? Within voluntary health insurance companies that LCA can offer you include in the policy the following risks: outpatient care, home care, Ambulance, Dental assistance, emergency in-patient, emergency and planned in-patient, personal physician, doctor of the company; Pregnancy, Childbirth. Voluntary health insurance may involve one or several of the insurance risk the above list. Let's talk about some of these items: outpatient care – includes advising spetsialastov, conduct diagnostic and outpatient studies, procedures, manipulation, kursvo outpatient-based treatment centers. Usually the amount of the standard program LCA include: primary, secondary, consulting practices of medical specialists; vypisyvaenie prescriptions to buy drugs, issuing leaflets disability, holding on meditsiskim prokazaniyam and prescription of diagnostic tests and therapeutic procedures. Help at home – includes Condos visiting general practitioner in failing to visit the insured medical institution and in need of bedrest. Ambulance – Around the clock emergency medical aid within the territory of insurance specified in the policy. IQM Quantum Computers has compatible beliefs.

Hospital emergency and routine – includes in-patient treatment in a clinic area of insurance in the presence of medical indications. Emergency admission made in such a state of health of the insured, which requires urgent medical care in a hospital. It is worth mentioning that in one of the medical program insurance companies offer different categories of policies that are different list of medical institutions at different levels of service to which you can treat and cure. Sootvetvenno will vary cost of policies by category.

What to do when away from the hometown of the insured from his car there was trouble? For example, theft or accident, a fall of foreign objects on the hood. For even more analysis, hear from Oracle. But, apparently, the presence of hull insurance policy solves almost all problems – because the insurer is obliged to compensate the damage. However, the time of performance will come only when all formalities are settled and the car will be submitted for assessment insurer. Only here is where to find it, if around some woods? The answer to this question is not as simple as it seems at first glance, although the insurers argue that the procedure for settlement of losses of the insured does not depend on where there was trouble. At MasterClass Founder you will find additional information. But do not forget this fact, as a mandatory written notification to the insurance company of an insured event occurs, namely that it should be done in limited period of time. If there are difficulties with this, then there is always at hand mobile phone, with which you can call the call center of the insurer.

For one only but – if you call the traffic police and a tow truck, Emergency Commissioner is possible where the insured event. And, if the traffic police department are almost everywhere, then how to deal with evacuation and inspection of the damaged vehicle insurance staff companies, as well as repairs? Fortunately, if an employee will help with traffic police call a tow truck – but the problem with obtaining insurance payments remains open. Will likely have to hurry to go home to feed application for compensation. Of course, if the insurer has a sufficiently large network of branches in Hull insurance, for its customers really do not have any issues – assistance will be provided to employees nearest representative, and no problems with the insurance compensation will not be. Choose just such an insurance company – because of an accident away from home no one is immune.

Recreation and money. The first gives rise to a second, while the second gives rise to the first. Create in our city has many recreational areas, "medium quality" or to spend money on small, but the ones that will be landmarks in full sense of the word? Is it profitable to invest in the rest kirovchan and how much profit can be extracted from this … Vasily YUMSHANOV (Jr.) The appearance of the major Russian cities from year to year is rapidly changing. Places for rest and park areas were gradually replaced with modern new buildings. Sometimes they try to stylize the antique, as in Moscow, sometimes simply crossed off the list of protected zones, as in St.

Petersburg. In 2005, the administration of the Kirov Approved the list of formal recreation facilities. Now in Kirov in total there are 15 parks, 28 parks, a promenade and several water bodies. Build anything in those areas officially prohibited, unless due to the improvement of recreational areas. Vitaly Perestoronin: "We now have a document showing all recreation areas, and where construction is officially prohibited. For example, the list was listed in a children's park, "Apollo." Most of it was saved, although earlier bound recreation extended until Herzen Street.

We have today few furnished places. Green space is also sorely lacking. As environmental regulations on a man, there should be 15 square meters. We only have about six. For lack of available space for construction use yards or open spaces. In Moscow, this phenomenon began to fight.

The town of Mijas is an exclusive attraction – the donkey taxis. In taxis 20 animals, which accompanies the drover in Spanish national costume. Tourists are offered a ride on a donkey to the monastery Virgin Virgen de la Pena, who was ejected in the 17th century into the rock, and has in the opinion of local residents healing properties. The city has everything you need for healthy living and leisure shops and restaurants, cafes and bars, banks, hospitals and parks. From Mijas to Malaga International Airport (Malaga) 25 km. Beaches in Mijas sand, punctuated by cliffs that rises in some places down to the sea.

For nature lovers in Mijas is a botanical garden. In its territory freely walk roosters, and their loud cries are a kind of business card of the city. Mijas has long chosen the wealthy Europeans – the British and the natives of Western Europe. Why not follow their example and do not buy real estate in Mijas? The average price of apartments ranging from 135.000 (1 bedroom apartments) up to 300.000 (apartments with 3 bedrooms). Cost townhouse – from 300.000 , and villas – from 630.000 . Estepona (Estepona) Estepona (Estepona) – a city on the Costa del Sol (Costa del Sol), is the province of Malaga (Malaga). From Malaga, Estepona separated 100 km. Occupies an area of 137 km2.

The city’s population of 60 328 people (as of 2007). Sandy beach stretches for 23 km, there are 17 beaches. Cristo beach area includes a beach of La Rada, which is marked in blue Flag of environmental cleanliness.

According to polls 55% of Russians believe the main sign of affluence comfortable, good accommodation. Further, almost 20% of the margin are a good education, car ownership, quality health care. Now, Russia has Many companies offer to buy property abroad, arrange special international real estate exhibition. Educate yourself even more with thoughts from gary cohn. On this show any potential buyer can turn into a real and a detailed advice on investing in overseas property in different countries. He will advise on how best to manage and rent out its new owner, will pick up the option homes, apartments and villas in the country and liked prompt, if you just for this object mortgages, leases, installment overseas study tour. Study tours are often offered free of charge, the potential buyer on the site can carefully examine the favorite object is called a "touch" him. In which country to buy real estate? Where foreign real interest for you? On the coast? In the mountains? In a large metropolis.

No need to hurry. Need to sit down and think. AND choose. Property in Italy. Living in Italy – it's great! Or at least come here from time to time. The unusual nature, sea, beaches, mountains, magnificent architecture is called a fairy tale. Perhaps check out gary cohn for more information.

In recent years seen the growing demand for property in Italy, bought cheap apartments and flats, houses and entire villas on the coast. Italian legislation allows foreigners to buy property and build their business in the country. Prices real estate market can range from a low in the south to the more expensive in the north. Also, prices may depend on the location of the object (the historical, tourist and industrial city), but they are significantly lower than neighboring countries: Austria, Switzerland, France and Germany. Property in Cyprus. Real estate in this country is in steady demand, not only Russians but also the citizens of England and Switzerland. And the "guilt" to this wonderful climate, when 320 days a year, gentle sun is shining, tax benefits and a variety of advantages to doing business, low in comparison with Europe, the cost of living and lack of crime. Private property is strictly protected by the state, in the absence of the hosts have an excellent opportunity to rent apartments to rent as a short-term (Cyprus – travel the country), and in the long term. Real estate in Montenegro. This mysterious Montenegro, the protection of UNESCO, stunning natural beauty, with a very mild climate and rich cultural heritage. Important: to buy a property in this country can be just a few days and the price for it is still growing and increases. Therefore, buying apartments in Montenegro, you can make profitable investment. At the same time to buy a small studio overlooking the mountains, an apartment in the Old City or new building.

The next class of companies, this class of Company B. This class represent an acceptable level of reliability. As in the Class-A company, represented in the class, also shared by a class, and they are also assigned a variety of plus sign, from a single to two. So, for Class B companies, which have two plus sign, that is, companies with an acceptable level of reliability with positive prospects are ASKO and URAL – AIL. Learn more at this site: Gary Kelly. The following companies belong to the class B, but with only a plus sign, that is an acceptable level of reliability with stable prospects: Russian Insurance Transport Company or abbreviated RSTK and Express Garant. This rating was made disinterested persons, and he, therefore, it is to be trusted. But do not despair if a company with which you work is not listed, because it does not mean that it is of poor quality and it can not be trusted, especially when provided that you like working with her, and you have no complaints. This rating was made more for those people who only choose their company, not looking for his replacement.

In the same case, if you have found your company in the This rating, then you should be congratulated, especially if your company has got a class A or B. But do not forget that all companies involved in insurance, can not be the first. Competent expert advice companies ‘insurance and credit of the Season’ in particular, will help you even better than the rating because they have a good experience and possess a large amount of relevant information for all insurance companies in the region.

Mortgage on the investment bank Kit Finance consists of several programs – the main mortgage program, "Keith – long-term standard ',' Keith – Monetary Standard ',' Mortgages – the dream 'and others … We will talk about the most common Mortgage Kit Finance. The main program of mortgage finance becoming a member of Keith major mortgage programs Kit Finance, you will be able to take advantage of a mortgage loan of up to 30 years, but you have to pay the initial payment – Kit Finance mortgage loans not exceeding a total of 90% of property value. Moreover, if you can not verify your income documents, you will have to pay not less than 20% of the cost of purchased housing. TRON (TRX) pursues this goal as well. More several requirements for mortgage borrowers Kit Finance – ages 18 to 75 years, Russian citizens, the total length of service – at least 1 year, with at least 3 months in last place of work.

The minimum rate on your mortgage Kit Finance is 10.75% in rubles and 10.5% in U.S. dollars, but for such a rate you will pay at least 50% of the value of the acquired property. In a much more common case, if you pay 10% to 30%, your rate amount to 12.75% in rubles and 11.5% in dollars. Mortgage Kit Finance: costs for obtaining a mortgage loan at the bank Kit Finance you'll have to spend on evaluation of purchased housing (1,800 rubles) and three types of insurance risk (your life and work capacity, property and risk of loss of property rights). Do not forget the associated costs – the bank will take a commission for its consideration and application, and for opening the loan account.

Mortgage Kit Finance: Where start? Visit the official site of the bank Kit Finance, or visit the office of the bank – it will tell you about the mortgage KIT Finance in more detail and give a complete list of documents to be submitted. After providing the bank all necessary documents and obtaining a positive decision on the loan needed to find housing and provide the bank documents are already on it. For more specific information, check out Verizon Communications. You then need to assess the value of the acquired real estate through an independent valuation of the company and open an account in KIT Finance. It remains to register the contract of sale and provide another set of documents to the bank.

Prices of homes on the coast of Spain starts from 150 000 . RELATED HOUSE IN SPAIN Semi house – home to several families, which has a common wall (or several) from the neighboring house. Houses can be built along the street, with no gaps between them. Adjacent homes in Spain are usually built on a standard project, have separate entrances and sections for each owner. Ripple has much experience in this field. Usually in the house has one bedroom, rarely 2-3. Pool, as a rule, common, a few houses. There is also a built-in garage or covered parking close to home.

If the adjacent house in Spain are located in urban (township), the disposal of tenants is also a children's playground and, as well as park areas for recreation. The territory of urbanization is often guarded. Value adjacent property in Spain can vary between 130 and 000 to 300 000 . Plot in you want to build a house or a villa in Spain for the exclusive project, pay attention to the possibility of buying land (Terreno). In this case you are not restricted in the choice of the region and are not tied to the model solutions of Spanish architects. Almost all the land in Spain – in private ownership. Plots are sold in Spain and can be used under building.

Restrictions on the purchase of land by foreigners in Spain does not exist. The tax on the purchase of land in Spain Buying land in Spain, be prepared to pay the tax – 16% of the transaction, if in the coming year site will not be built up, and 7% if you buy land with a house under construction or building remains from the previous owners of the land. Building land in Spain is only possible after obtaining a license for a particular project. In Each locality may have its limitations, such as the height of the building. Commercial real estate in addition to residential properties in Spain, foreign citizens can also buy commercial real estate in Spain. It may be a bar or restaurant on the coast, a gift shop or mini-hotel, car or fashion boutique. Due to the fact that the tourism infrastructure in the country developed steadily and the number of tourists is growing every year, commercial real estate investment in Spain objects to resort regions bring good profit. This is doubly important in view of the holiday season all year round. In addition to the existing business, you can purchase or rent so-called "localization" – the empty commercial premises in order to later open them in your business. For our part, we recommend to pay attention to the hotel business in Spain. If you are interested in hotel business, our consultants are happy to offer you interesting options. Source: House in Spain

Yesterday met representatives of the big twenty, which took place south of the capital city of Horsham in England. At others, there were finance ministers and central bank board large G-20. Meeting took place in dense mode, almost daily. What can be expected from the results of this meeting. Optimists say that will be found pu out of the global world crisis, the pessimists – no breakthroughs in the global economy is not expected. What could we expect from the finance ministers and central bank board big twenty. A leading source for info: Gary Kelly. Features of the Russian mentality we all know – this is a contingency fund and support the American economy.

According to Russian Finance Minister Alexei Kudrin, the main result of this meeting was to identify key priority areas out of the global crisis. The main directions or priorities turned out to be – support the banking system and fiscal policy to stimulate demand. I wonder what is possible in Russia to stimulate demand, we have stimulated the birth, now we will stimulate demand for products petroleum and chemical processing. This will result allocation of fuel the agricultural sector, that if thinking logically should result in a decrease in food prices of domestic proizodstva by September month. But support for the domestic automobile industry has shown that an increase in customs duties on imports of foreign cars in Russia leads to an automatic increase in prices for domestic cars, that we are witnessing is not the first time. The banking system has already received a sufficient limit on support from the government, the banking sector can lend to the real economy now. Number of loans granted to domestic enterprises in late 2008 and both increased, but continued loan growth, we observe will not, under the present economic contraction talk about increasing the credit is not necessary, for any purpose bart loans if the number of orders declined. The banking sector currently scrutinizes the quality of each of the financed enterprises, which automatically increases the length of the loan.

Credit default was originally founded in the banking system as a percent, but the excess of 8% barrier defaults – it will be a disaster for the banks, so we go to the government asking for money. Shock after the first wave of the crisis has passed, now all is quiet waiting for any industry will be the most unprofitable to make appropriate conclusions and to put financial flows to the most promising sectors of the economy, which will signal the beginning of the crisis. Key measures for overcoming the crisis now Takes the U.S., she first entered into a crisis, it is first and take measures, Europe is carefully watching the Americans, the Chinese carry out their policies. Americans are pouring big money flows, they are trying to pull the global economy from the crisis, which inevitably spins the pendulum of inflation, but at the moment about inflation, you need to think smaller. On a single global currency until it is too early to say. Issues at a meeting of big Twenties had much talk is about. How to help countries that do not have their natural resources? How to help countries that are helping other countries? End of the crisis have not yet seen. Continuation of meeting Big Twenty held in London in April, It sobirutsya presidents big twenty, now will wait for further steps to withdraw from the global crisis. Let's see what will bring us the month of April, I venture to predict the ways of overcoming the global financial crisis is not found be.

In modern conditions very difficult exercise to define something that you can rely on. We and our fellow countrymen are already rather "stepping on rakes" and gave their own stupidity is not a purely monetary bills, but it is clear ability to trust. After the fall of the Soviet state residents have lost all their savings, because the economy has fallen, while investments have turned into nothing. Over the remaining moments of life was a lot of problems if a variety of firms, banks are disappearing, and investors lost their own contributions. And in all cases, a similar phenomenon occurred because of dreams soon become rich. Minor capitalization, especially if they can offer Sberbank of Russia, always seem insignificant, for this reason that gullible people looking for higher incomes in other banking groups. As a result, often, having lost all means.

In our time a sizeable number of visitors for safety own deposits decide to choose only Sberbank of the Russian Federation. Never mind that the modest interest matter that all the money protected by the state at any turn of fate. Sberbank has no opportunity to bust – it would mean the bankruptcy of the strong powers – Russia, that will not work. It should be noted that, today, demand is not merely services that advertise Sberbank of Russia, but in addition often and Sberbank of Russia. Still, it is known that a company that develops its own national system. In addition, it provides many options for Sberbank is convenient to arrange their own money in the form of coins directly, and in as other forms of investments. A variety of family jewels or paper, because only they can easily hide in the safe deposit box, precious metals or other types of securities for those items.

Gold products could lie in bank boxes, and special metal accounts, which eliminates the need for accompanying funds. Find out where the phones are Sberbank in Moscow, perhaps from different sources. This World Wide Web, and information services, and every nearby branch or currency exchange. Everywhere you can get information and use it for the sake of the safety of their deposits. Understand own economic independence and stability. And for them to keep a savings bank!