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Preexisting Conditions

Risk pre-registration questions help in selecting the appropriate provider of private disability protection is existentially important for all working people, as the State protection of the statutory pension scheme is woefully inadequate. Often, appropriate and high-quality disability insurance fails however to health complaints, which must be specified for application. Often the insurer require high surcharges or even reject applications. Independent insurance brokers can clarify advance with pre-existing conditions within the framework of a risk preliminary inquiry at various insurers, as the State of health will be evaluated by the disability insurers. Who submits an application with an insurer despite health problems on your own and then pay a risk premium or even rejected, usually automatically lands in the venture file of the insurer. Other disability insurers can then access this data and an application would be particularly critical check, if an insurer has previously rejected.

The safer course of action would be there, by means of an independent expert to the disability insurance calculate the possibilities beforehand and then ask a risk preview of several eligible insurers. This has the advantage that several insurers parallel check the health information and then submit their assessment, adopted a proposal on what terms. The handling of the insurer is quite different here. While some insurers quickly reject requests with certain pre-existing conditions, other insurers often work with performance exclusions, in turn others with risk premiums. These assessments of the insurers before making a final decision for or against a company be clarified within the framework of the risk preliminary inquiry. Additional costs for the risk preliminary inquiry do not occur normally. Contact: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence of young Insurance.de the company specializes on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies.

Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the Insurance industry has been working to customers over the Internet, by telephone and by post supervised – the quotations as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

Science Geographical Specialist

To travel the nearly 10 km. that separates the valleys of San Vicente Vinales and take a road where you can see beautiful scenery, including high mountains which separate the two valleys, which are crossed by a narrow gorge where the road is built. In the high walls of the gorge can be seen the curious landforms that hang from the walls and the water has sprung up over the million years of existence of the site. He, on the northern edge of this valley is the oldest of Vinales, very comfortable and different from other built in the Valle de Vinales. To reach the same cross a small river that emerges from the limestone mountains near the hotel, which is composed of multistory buildings, but more than 50 small wooden cabins and rustic two-story, scattered within a small forest. All are situated around the swimming pool, thermal baths and sulfur and an area devoted to massage using medicinal mud. It is common to see and hear the birdsong and the murmur of wind in the trees. If the Vinales Valley is to observe the characteristic combination of the action of man and nature, in the San Vicente Nature has a role.

From hotel is within easy traveling distance of the cave known as Cueva del Indio, where you can enjoy a boat ride along a river that flows inside and see tourist resorts built on some of the caves of the wooded hills near the hotel. The communication between the two valleys is very easy. Many prefer to travel between the two on foot or by bicycle. strategy to increase your knowledge. Others use a transport that makes daily trips between Vinales and San Vicente, which in addition to allowing rapid communication between the two places, gives the possibility to stop and walk small sections and re-take the next trip. This makes it possible to take pictures of places depending on the interest of the traveler without having to stop the vehicle. Another advantage is that they can use throughout the day and take it anywhere on the course and pay once. You know where to stay.

Xenophobic Slogans

Employer is liable for compensation when hostile! Is violating the dignity of a worker contrary to the prohibition of discrimination in the General equal treatment Act (AGG), so this throws an employer’s compensation obligation, if this a featured by intimidating, hostile, degrading, humiliating or offensive environment. ARAG experts describe the case: four Turkish-born men were employed in the camp of the employer. There had a swastika and the slogans on the men’s room-unknown: ‘Fucking foreigner, you sons of bitches, foreigners out, your wogs, foreigners have become nationals’ attached. The employer denies the claim of the plaintiff, an employee have already pointed out the Branch Manager in September 2006 on this graffiti, what this have caused nothing and expressed only in “that people just think”. At least in the context of a dismissal dispute he learned Employers in March 2007 by the scrawled, then were eliminated in early April 2007. To know more about this subject visit Daryl Katz, New York City.

By letter of April 11, 2007, the plaintiffs have demanded compensation after the AGG by their employer and sued him in June 2007 on payment of 10,000 euros to each of the plaintiffs. The lawsuit, however, remained without success. The Federal Labor Court has though considered the daubing to undue harassment of plaintiff, but due to the contentious details of the time of the information of the branch manager about these labels and their reactions to no can decision about, whether through the daubing a so-called hostile environment was created for the plaintiff. Ultimately failed the complaints, that the plaintiff not had asserted in writing their claims for compensation within the statutory 2-month exclusion period. This period began at the latest from the date of the branch leader of the xenophobic slogans on the staff toilets information alleged by the plaintiffs to run in September 2006 and had expired on April 11, 2007 in any case with the assertion (BAG, AZ.: 8 AZR 705/08).

Down Payment Easy

If you are are interested in purchasing a new laptop and you don t have enough payment to buy a laptop, you can purchase the laptop with no. down payment. Laptops are the fabulous gadget that makes the work lot easier. They are required by every people whether they are professional, students or businessmen. They make the work lot easier. They are bit expensive.

People who are short of money have to think twice before purchasing a new laptop. There are sometimes when the idea of purchasing a new laptop is not fulfilled as people don’t have enough money for a down payment. Now, all there is no need to get worried about the down payment. People can buy the laptop without doing the down payment at the time of purchase. Laptop with no. down payment helps in purchasing the laptop without any need of down payment. There are number of lenders and financial institutions that are helping in making the amount available to buy laptop. The loan is provided at competitive Council.

The loan comes in two forms: secured and unsecured. Secured loans are the loans in which borrowers the place wants some valuable asset against the loan amount availed. These loans are provided at lower rate on interest. People can place their home, car, jewellery, anything against the loan amount availed. On the other hand, there are unsecured loans. In this loan, no need to place any collateral is required. People who are in need of loan without having anything to place as collateral can go for unsecured loans. To apply for the laptops with no. down payment, people can fill up to easy online application form. This is to easy and simple application filled up with all the required details form which needs to be. Once at application is submitted, the loan amount will be transferred into the borrower’s bank account. Laptop with no. down payment is a very beneficial option available to fulfill your dream to buy a new laptop. Due to easy repayment options available in these loans, they are becoming first choice of people planning to buy new laptop. You can go through all the valuable information available regarding the laptops with no. down payment online. Just select a reliable lender who can help you purchase the laptop with easy terms and conditions. Peter Thomsan financial advisor is of no. credit check computer laptop.For more information on finance laptops with bad credit,. bad credit laptop financing visit

NetMoms GmbH Dr

NetMoms survey: parents support KiTa strike on a broad basis many kindergartens in Germany are now in the warning. NetMoms asked 250 mothers for their opinion on the strike. The survey shows a surprisingly high level of acceptance and support for the strikers educators. Cologne, May 19, 2009 – many educators in German day-care centres are on strike today. NetMoms has requested from mothers and 250 mothers took part in the survey. What do the parents of this strike? They support the goals of the educators? They also affected? Change the opinion of the parents, if they are concerned? Parents support the strikes – the survey shows that German parents support the strikes on a broad basis. 62% of parents find the strike in order or even actively support him. Only 20% more likely reject him.

The goals of the strike are supported. A vast majority of 69% of parents is of opinion that kindergarten teachers should earn more. Also many parents complain that much to large groups in Kindergartens, as well as the strong strain of educators and children as a result. A mother writes: here is the teacher alone with 25 children. How to can she take care of doing? Until now only a few acutely affected gave 66% of surveyed mothers in the study to, at present, still not specifically to be affected by the current strike.

Interestingly, support for parents affected by the strike is but still higher than in the non-affected parents. Instead of the average 8% even 20% contribute to the affected parents actively on the strikes. Step parents and family–affected mothers in almost 50% of the cases indicate that the father, the mother or the child’s grandparents take care. But also contingency plans of the kindergartens seem to be access. At least 25% of the concerned mothers say that. Some rely on friends or take a holiday in the worst case. NetMoms NetMoms is the successful German-language portal for mothers on the Internet. With further NetMoms to the first European mother Portal expands sites in Poland, Spain and the United Kingdom. NetMoms offers quality information, rapid exchange, simply getting to know, as well as a variety of shopping. NetMoms speaks to the Central needs of online active women and mothers and fills the gap in the market as the central focal point for mothers on the Internet through its extensive range. The portal recorded 19.6 million page views and almost 2 million visits in March according to IVW. In the AGOF internet facts 2008-IV, NetMoms reached 410,000 unique users. NetMoms was founded in 2007 by Tanja Princess of Waldeck, Jens Echterling and Stephanie Staar.

Travel Bali

Super travel for cheap & individual Bali travel Bali I. romantic & original Northwest of Bali theme: landscape and nature. Min. 2 persons full day tour (10 hours). 32 euros per person this day trip shows the romantic side of Bali. First, the journey continues towards Bedugul, visiting a vegetable market in a Gerbirgsdorf. Then you will see the water temple Ulun Danu Bratan Lake located. The trip goes further uphill up to Pancasari mountain Pass, where you can hit 2 birds with one stone: once to show you the enchanting panorama of the twin Lake Tamblingan and Buyan than even our relatives the macaques bring closer to.

Then passing on the mountain village of Munduk, the ride goes on to the legend legendary North coast of Bali. First of all, please visit air Panas Banjar (hot Holy sulphur spring bath possibility), which is said to healing. After this physically refreshing experience we take our lunch in a good restaurant, at the black lava sand beach of Lovina. Then it’s on to Singaraja, the former capital during the Dutch colonial administration. The return of Penebel with stunning views of the surrounding rice terraces and vegetable plantations, then visit the rock Temple of Tanah lot on the West Coast, which tightly built on a rock on the shore, offers especially at sunset a fantastic Anblick.Mittagessen is included in the price.

II. Balinese House Singapadu, Batuan village, Batur Vulkan, Tegallalang & Ubud theme: Balinese daily life, temples, tradition and harmony. Min. 2 persons, full day tour (10 hours). You can visit a Balinese family house in the village of Singapadu 32 Euro / person on this drive, it gives us the everyday life of the Balinese. In Batuan, the place of Arts and crafts, the visit of a Balinese village temple is on the agenda. Then the ride uphill to the Spice field trips, where you will learn about different spice plantations.

Healthy Fats

Healthy diet in times of culinary abundance, many people have forgotten the correct handling of the food. The result is that approximately 40% of Germans are too thick. Obesity is not only the causes of diseases such as type 2 diabetes and high blood pressure, but are also causes of over-rapid aging, drive, and weakness. The best prevention against diseases such as overweight and obesity, diabetes is a healthy weight still type 2 and high blood pressure. But also the causes of over-rapid aging, drive and weakness are often obvious: one of its main causes which is mostly incorrect and one-sided diet.

Fats are considered taste makers. You take but also vital functions in the body. So for example vitamin E, D, K, and A can be recorded only with the help of fat from the body. Ingredients: 125 g salmon fillet, diced 2 medium-sized potatoes 150 g cauliflower in Racherla 1 tsp lemon juice 1 small onion, 100 ml low-fat milk 1 tsp chop dill, finely chop 1 Tablespoon olive oil Salt, pepper, nutmeg preparation: steaming potatoes 20 minutes. Then cold deter and Peel. About eight minutes to cook cauliflower in boiling salt water.

Season the salmon with salt and pepper. Half heat oil in a pan and saute the onion in it. Stir in onions, dill and lemon juice into milk. Season to taste with salt, pepper and nutmeg. Preheat the oven to 200 C. From brush a baking dish with the remaining oil. Cut potatoes into slices. Layers of potatoes, salmon and cauliflower in the form. Pour milk over. 15 minutes bake in the hot oven. Garnish with dill. Ingredients for a person of preparation time: 55 minutes more recipes, visit einfachgesund24 Sabine Munch E-Mail:

Improve Blood Lipids

Highly purified linseed oil the significance of blood lipids, triglycerides in particular is an attractive option, is all too familiar for the emergence of diseases of the cardiovascular system. All studies show that atherosclerosis, heart attack, or stroke directly or indirectly have something to do with the blood fats. However rarely as the sole factor. Drug treatment of elevated blood fats, commonly known as elevated cholesterol levels, is an important measure for reduction of cardiovascular events. In addition to the lipid sinkers as medicinal, nutritional measures with Omega-3 fatty acids and antioxidants because its good efficacy and tolerability find more and more followers. What is reached by these natural measures? First of all the Omega-3 – fatty acids ALA, EPA and DHA can according to latest studies to significantly reduce the triglycerides in the blood.

The effect is greater, the higher is the level of blood fats. These can be in people with impaired fat metabolism Omega-3 fatty acids reduce triglycerides by up to 50%. This appears to be particularly important, because new research has shown that especially the triglycerides can lead to an increase of plaques. The plaques, which are directly responsible for heart attack and stroke. However, the plaques not only about Omega-3 fatty acids can be influenced positively, but also antioxidants seem. This was proved for the antioxidant vitamins C and in combination, but not for the individual vitamins.

Because of the importance of triglycerides and plaques may be a promising nutritional prevention in the intake of Omega-3 fatty acids and antioxidants. Exactly this option in the form of CardioPlus offers Navitum Pharma. CardioPlus is a precautionary combination Pack consisting of CorVitum with the antoxidativen vitamins C and E, as well as OmVitum, which contains the Omega-3 fatty acid ALA in highly purified linseed oil. The dietetic clinical documentation in the background of this combination product shows that with Antioxidants as CorVitum the progression of atherosclerosis with and without plaques can be slowed, and the pure plant Omega-3 fatty acid ALA as in OmVitum can affect blood lipids cheap nutritionally. CardioPlus (PZN 0265193) allows easily and cost-effectively to use evidence-based health care for the heart health-conscious humans so. For the meaningful longer-term application of CardioPlus special 3 month packs (PZN 0265218) and 6-month packs (PZN 0265230) are available. CardioPlus is available in pharmacies and selected health centers. Due to the unique composition of the products of Navitum Pharma not by other, seemingly similar products are interchangeable. Every pharmacy can order CardioPlus without extra effort directly shipping to customers.

Health Questions

Health issues are not only for life insurance and disability insurance to answer before prospective policyholders will be asked for their State of health targeted graduating from some insurance companies. The responses are used to the assessment of the risk the insurer. t as a source, but as a related topic. Time responses is required only a handful, even degenerate the questions in a multi-page catalog. This highest concentration is required in any case! The answers are decisive for the insurance coverage. Who is top fit and whose history is still a full-size sheet, like answering not difficult the. But be careful! Even supposed trivia from the past could one later on the foot fall”and should therefore be mentioned. Here you can really forget anything. Incorrectly answered questions only from ignorance, it can mean taking a step backwards in the insurance paid.

Therefore it is advisable to know the own medical records and, where appropriate, to consult your doctor. Depending on the company or intermediaries varies the way of questions are asked: so it may be that you can take so much time for answering, as you need. It is however also possible that the long list from the cuff over the consulting table of representative across must be answered in the interview where the period in question reaches 10 years in the past and you can not even see the questions. In view of the impact of secretive, incorrectly dated or confused incidents in the medical history, you should insist on phrase of the questions and sufficient processing time. Who wants to be well prepared on the tricky questions, informed already before the consultation talks about them and the recommended approaches. The insurance consumer portal finance-store.de has therefore set up an extensive list of possible health issues and gives some helpful tips for dealing with the thorny issues, as well as to respond to trouble-free. Can you health all the questions under see. Health issues are for the Extremely important insurer.

He uses them to calculate the risk, so how high the probability goes down, that he must go in performance. The insurer for example anyone with pre-existing conditions is seeking a disability insurance policy, can risk either to be high, so that he rejects the applicant, excludes the respective disease, or he’s trying to compensate for the increased probability of occurrence of Leistungsfalls with higher contributions (risk premium). Because both of course nobody wants to see, which strives for a contract, there are cases where pre-existing conditions are deliberately concealed or otherwise unfortunately always. Lies have notoriously short legs, especially if insurers to investigate for physicians. The same applies, if it was already rejected and the question then negated with the new request, however. Insurers with each other share a file emerge which among other things also previous rejections. But even if there is fear, not at all, or at least only under You should not give up difficult conditions to be assured. Insurers are strict in their admission criteria differently, so submit several sample applications is useful, compare and absolutely worth!

Counter Strike

Hide n seek is a new mod Counter Strike 1.6, very funny, like hide and seek game, everyone can play as a child playing hide and seek all! Watch the video for the initial review in this article you will learn: 1. How to start playing. 2. How to get frags. 3. How to jump. 4.

How to jump from a height, that life does not take away. 5. Some words hide n seek and what they mean 1. How to start playing. To start playing you need to download maps that would not download them from the server, all know that the exchanger swings faster. I found a pack of cards for this mod, you can download it here then find a server that would play with people.

Go in the game, Find Servers, select the following setting is entered in the name of the map 'hns' and wait until we can find the server. When the server came, go to the server with a lower ping (latency), which would further jump. For hns need a little ping (low latency). If you access the server can swing cards that are not in the game, and wad. files, sounds, sprites and so on. Have to wait. When logged on the server choose a team that has less people. The essence of the game: To Catch a counter-terrorist teroristov. If all the terrorists died, team change, and if you were a counter-terrorist, terrorist, and ceases to escape. Your task is to escape from of terror, and if a ct play, then you need to catch a ruthless terror and murder.

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