SwissCaution guarantees high quality service and recognized security to tenants and landlords for a rental guarantee without bank deposit for both private and commercial leases. Founded in 1991, SwissCaution is the first insurance company to offer a rental guarantee without the need for a bank deposit for individuals and businesses.

OBERSON ABELS SA is a law firm specialized in tax and corporate law with offices in Geneva, Lausanne, Sion and Neuchâtel. Philosophy We imagine a world where our clients and our highly specialized professionals enjoy teaming up to tackle and crack the most complicated problem you may challenge us with, giving us the opportunity to fully express our curious, passionate, bubbly and visionary talents. Partners • Antoine Amiguet • Sébastien Bettschart • Stefan Eberhard • Alexandre Faltin • Philipp Fischer • Pierre-Marie Glauser • Marcel Meier • Jérôme Meyer • Dominique Morand • Xavier Oberson • Marc-Etienne Pache • Geneviève Page • Jacques Pittet • Anne Tissot Benedetto • Frédéric Vuilleumier Areas of practice (i) Tax law • Personal tax • Corporate tax • Consumption/Transaction taxes • International/Intercantonal taxation • Specific fields of taxation • Assistance in tax matters and disputes (ii) Corporate Law • Corporate/M&A/Project Finance • Contracts/Commercial • Restructuring of distressed companies • International Organisations/Not-For-Profit Organisations • Banking & Finance • Investment funds • Capital Markets • Pensions • Data protection

Très belle et bonne gamme de feux d'artifice.

Royal-Kredit GmbH is focused on personal loans. Since 1978 we have been looking for holistic solutions to problems for our customers. With us you are completely independent and free. Thanks to our long experience in the field of financial services and cooperation with all major financial institutions, we are able to find the right solution for you. Nowadays, nothing works at all without funds - we know that. That is why it is important to get the right advice, because unforeseen situations can have very unpleasant consequences. We are here for you and make you aware of financial risks. Even in particularly problematic situations you can rely on us - we will not disappoint you. We guarantee quick, uncomplicated processing and attractive interest rates! Contact us here. Our task We will find the optimal problem solution for your concerns and ideas from the multitude of offers and information. Royal-Kredit GmbH is the link between customers on the one hand and financial service providers on the other. We offer you optimal financing by obtaining and updating the latest information from banks. This way we can always offer the latest data and products. We support you with your economic questions and are always there for you! We are in a position to find the best financing option for your project. Of course, all processing of the house, such as meetings and negotiation talks, will be carried out in your interest. Take advantage of our goal-oriented approach, because personal loans are the business of professionals! The advantages of a car loan You get a DISCOUNT for cash payments. Customers who pay cash are rewarded with favorable additional services. The cost of interest can be deducted from taxes. You can choose the insurance You can sell your vehicle at any time You do not have to pay sales tax on your monthly payment By purchasing the vehicle, you are the sole owner The cost of the interest can be deducted from your taxes. The number of kilometers has no limit The contract does not specify the number of kilometers A loan for the car has advantageous features This purpose car loan is an interesting alternative to leasing and can be a useful and affordable financing option. Both for new vehicles and for used vehicles. In car loans, on the other hand, you are the owner of the vehicle from the beginning and you are free to decide when and if to sell your car. Smart car buyers pay in cash Some people don't realize how expensive leasing is. A loan is a little cheaper and has one major plus: the vehicle is one from the start - not to be leased. But it is not right to be blinded by seemingly low leasing rates. The leasing rate is only a fraction of the effective cost of the vehicle. Be careful when you lease a car If there are leasing expenses that you do not immediately realize. Comprehensive insurance is mandatory, you have to provide service in a workshop of the brand, you pay more kilometers. Early exit from the leasing contract can be very expensive. Especially if you have to get out because of the cost, it can become a boomerang. Save with the car loan These are all arguments against leasing and in favor of other approaches. Without a doubt, cash purchase is the cheapest option. If you can't afford the purchase price yourself, you should take a closer look at a car loan. Our loan consultants will be happy to assist you. A move is always associated with expenses The change of residence often causes unplanned expenses, which can add up to a larger sum within a very short time. A chest of drawers is missing, an expensive vase is broken and the old sideboard does not match the color of the new living room - in the end, the whole thing is more expensive than expected. For this reason, it's wise to factor the following potential investments into your moving calculations ahead of time: Doubling of rents during the change of location Fees for the marquee Rent deposit Costs for renovations in the new and old apartment Expenses for administrative procedures Purchase of technical equipment, furniture and fixtures The cost of rented means of transport and catering for the helpers Payment of the bill of a professional forwarding company Higher insurance premiums for a change of canton Simply paying the rental deposit with an online money transfer loan Your prospective landlord may require this deposit of up to three months' rent from you as security. This eliminates a large portion of the relocation bud Translated with www.DeepL.com/Translator (free version)

Butcher's shop "à la ferme" in Ponthaux: direct sale of meat. For your evenings with family or friends, enjoy our delicious Burgundy fondues. Direct sale of meat and home delivery: If you choose to send your meat by express post, you will have to pay the postage costs as well. The parcel is in front of your door before 9 am on the desired day. Except Monday morning and Wednesday morning. Payment by bank transfer before delivery or reception at our shop in Ponthaux. Translated with www.DeepL.com/Translator (free version)

Tolle, sehr freundliche, familiäre und diskrete Behandlung. Ausgezeichnete Resultate. Die von Hand berechneten Steuerzahlen stimmen immer.

When a business changes, grows, or faces a challenge, it needs a reliable, pragmatic, and responsive partner. FidesLux Sagl , a fiduciary based in Grono (Mesolcina), has been supporting entrepreneurs and investors across Ticino and Switzerland for over 30 years. What sets us apart? A hands-on approach that combines strategic thinking with a personal touch. Our core expertise lies in corporate restructuring and M&A operations , but our value extends to all critical areas of business management — from accounting and taxation to payroll, HR, and company administration. 🔄 Business Restructuring and M&A: Turning Change into Opportunity Every business transition can be an opportunity, if managed with clarity and vision. Whether you're reorganizing your company, considering a sale or acquisition, or planning a succession, we guide you with precision and a tailor-made strategy. We help you: • Analyze and restructure your company to improve efficiency and performance • Manage M&A operations , from due diligence to closing, with confidentiality and control • Optimize capital structure to support long-term financial sustainability • Support investors in managing acquisition or turnaround projects 👉 Learn more at fideslux.ch/servizi/#ma 🧾 Accounting and Tax Services: Accuracy and Transparency Strong businesses rely on clear financial foundations. At FidesLux, we combine Swiss precision with a human approach to support your day-to-day operations. With us, you can: • Outsource your accounting and receive timely, clear financial reports • Plan your taxes efficiently and avoid unnecessary risks • Monitor cash flow and compliance with ongoing fiscal support 🔗 See more at fideslux.ch/servizi/#contabile 🔗 For tax services: fideslux.ch/servizi/#fiscale 👥 HR and Payroll: Reliable and Stress-Free Managing employees and payroll is demanding. We make it easy, efficient, and compliant. We take care of: • HR administration , contracts, permits, and official documentation • Payroll processing , accurate and on time • Communication with Swiss social authorities (AVS, LPP, SUVA, etc.) • Outsourced HR management , ideal for SMEs 👉 Explore our HR services at fideslux.ch/servizi/#personale 🏢 From Incorporation to Liquidation: A Partner at Every Stage Whether you’re starting a new company or closing one, FidesLux provides full administrative support — with expertise and discretion. We can help you: • Incorporate or transfer companies , with legal address and domiciliation • Handle day-to-day and exceptional corporate governance • Manage voluntary or court-ordered liquidations • Maintain banking and insurance relationships on your behalf 🔗 Full list of services: fideslux.ch/servizi Why Choose FidesLux? Because we combine structure and flexibility, experience and innovation. Because we listen before we act. And because behind every balance sheet, merger, or contract, we see people, goals, and potential — and we want them to succeed. 📍 Located in Grono (GR) , operating across Ticino and Switzerland 🌐 www.fideslux.ch 📞 Contact us for a consultation: we speak your language — and your business. FidesLux Sagl. Trust. Vision. Action.

The Opera San Giuseppe Association is a non-profit organization that, inspired by the principles of Christian solidarity, is exclusively dedicated to promoting social solidarity towards developing countries and populations affected by hunger, diseases, wars, disasters, and natural calamities. Mission and Objectives Led by President Don Silvano Gobbo, the association is committed to implementing humanitarian projects that improve the living conditions of the most vulnerable communities. The initiatives focus on infrastructural, educational, and health interventions, aiming to promote sustainable and lasting development. Completed Projects Among the projects successfully completed by the Opera San Giuseppe Association are: • Construction of an Aqueduct in Tanzania : This project provided potable water to numerous local communities, significantly improving hygienic-sanitary conditions and reducing the incidence of diseases related to contaminated water. • Establishment of a School in Albania : The "San Giuseppe Operaio" Vocational School in the Diocese of Rrëshen offers vocational training to young people from various regions, helping to counter youth emigration and providing opportunities for socio-cultural development. Ongoing Projects Currently, the Opera San Giuseppe Association focuses its efforts on supporting: • Maintenance of the Aqueduct in Tanzania : Ensuring the efficient operation of the aqueduct is essential to continue providing potable water to the served communities. Maintenance activities include repairing any faults, cleaning structures, and updating the technologies used. • Support for the School in Albania : The association covers school costs for needy children, ensuring them access to education and contributing to the formation of a new generation of qualified professionals. Additionally, expansion works are underway to meet the growing demand for enrollments and to introduce new courses, such as those in the hotel sector and socio-health services. How to Support the Association To ensure the continuity and effectiveness of these initiatives, the Opera San Giuseppe Association appeals to the generosity of its supporters. Donations can be made through: • Bank Transfer : Transfer details are available on the association's official website . • PayPal : A quick and secure way to contribute to ongoing projects. operasangiuseppe Every contribution, regardless of size, is crucial to carrying out charitable works for those in need. Transparency and Communication The Opera San Giuseppe Association is committed to maintaining transparent communication with its supporters. Through the website and social media pages, the association provides regular updates on project progress, new initiatives, and organized events. This approach ensures that donors are always informed about the use of funds and the tangible impact of their donations. Collaborations and Partnerships To enhance the effectiveness of its initiatives, the Opera San Giuseppe Association collaborates with other non-profit organizations, government entities, and local communities. These partnerships allow for the sharing of resources, knowledge, and skills, ensuring that projects are sustainable and tailored to the real needs of the beneficiary populations. Social Impact Thanks to constant commitment and donor support, the Opera San Giuseppe Association has achieved significant results: • Improvement of Health Conditions : Access to potable water in Tanzania has drastically reduced waterborne diseases, improving the overall health of communities. • Educational Opportunities : In Albania, hundreds of young people have gained access to quality education, increasing their employment prospects and contributing to local economic development. How to Participate Actively In addition to monetary donations, it is possible to support the Opera San Giuseppe Association through: • Volunteering : Offering your time and skills to support the association's activities. • Dissemination of Initiatives : Sharing information about projects and raising awareness among others about the importance of social solidarity. • Participation in Events : Taking part in events organized by the association to raise funds and promote its activities. The Opera San Giuseppe Association continues to work tirelessly to carry out charitable works for those in need, embodying the values of Christian solidarity and promoting social development in the most disadvantaged areas of the world. The support of donors and volunteers is essential to continue this mission and make a difference in the lives of many people.

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