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)

Sehr kompetentes Team bei allen Begegnungen. Hervorragende Beratung und Betreuung bei meiner schweren Erkrankung. Man fühlt sich gut und verstanden.

I was very impressed by the apartments they had on offer in Basel, and even more impressed with their friendly, professional service. Highly recommendable!

Sempre disponibili, anche per piccoli lavori urgenti, operai qualificati, molto attrezzato, lavori di qualità e con pulizia.

Based in Geneva, the Cenas sleep medicine center has been helping you treat sleep disorders and pathologies since 1989. Created by sleep medicine specialists, it offers a multidisciplinary approach to sleep problems and relies on a network of general practitioners, specialists and therapists. The Cenas sleep medicine center team is composed of doctors with different specialties. In order to treat sleep disorders, 5 specialists and 3 practitioner in CBT-Insomnia available at the center. • Dr. Katerina ESPA Katerina ESPA CERVENA Psychiatrist and psychotherapist FMH, specialist in sleep medicine SSSSC • Dr. Christos MARAGKOUDAKIS Respirologist FMH, MD Thoracic oncologist, specialist in sleep medicine SSSSC • Dr. Vicente IBANEZ Neurologist FMH, specialist in sleep medicine SSSSC • Dr. Banu KAPTAN Banu KAPTAN Physician • Dr. Maria CORDIER Neurologist FMH, specialist in sleep medicine SSSSC • Mrs. Maité LAURENCON Psychologist FSP - Practitioner in CBT-Insomnia • Mrs. Nathalie GRIMARD Psychologist FSP - Practitioner in CBT-Insomnia • Mrs. Laura CORSAT Nurse and Practitioner in CBT-Insomnia Our doctors are accompanied by a technical team specialized in CPAP installation and follow-up as well as a team of 5 secretaries. Visit our website to learn more about our services: www.cenas.ch Practical information : Access by Transport Léman Express line 1-2-3-4 Geneva Cornavin > Chêne-Bourg (17 min) Lancy Pont-Rouge > Chêne-Bourg (11 min) Geneva Champel > Chêne-Bourg (5 min) Geneva Eaux-Vives > Chêne-Bourg (2 min) TPG access N°12 or 17 stop Thônex, Graveson Bus n° 31 or 32 stop Chêne-Bourg Gare Tour Parking : Chêne-Bourg station parking lot, exit Quai CFF Contact : Reception & secretariat Consultation and registration center Monday to Friday from 8am to 6pm Opale Tower - 2nd floor Chemin de la Gravière 3, 1225 Chêne-Bourg T. 022 307 10 95 l info@cenas.ch Registration center at the Hôpital de la Tour Avenue Jacob-Daniel Maillard 3 - 1217 Meyrin T. 022 719 62 60

Our dental team looks forward to caring for you in our state-of-the-art premises, using the latest technical equipment. Our dentists will be happy to advise you and present you with a treatment plan and a detailed, state-of-the-art SSO estimate. Easy access and parking. Extended opening hours from 08:00 to 20:00 non-stop offer you maximum flexibility. THE TEAM: DENTISTS Herbert STEPHANI Doctor / Dentist / Director & Founder SDS / DGI Maria PAPANDREOPOULOU Dentist Ines CORREIA MARTINS Dentist Yasser ABU-HAZIMA Dental Surgeon HYGIENE : Joelle NICOLLIER Prophylaxis assistant Specialities : Prophylaxis. Hygiene. Scaling. Curtages. Periodontal surgery. Conservative treatments. Composite resins. Ceramics. Root treatments. Aesthetic treatments. Bleaching. Veneers. Diamonds. Fixed and removable prosthetic treatments. Crowns. Bridges. Orthodontics. Implantology. Oral surgery. Treatment of joint dysfunctions. Care of children. Care of the elderly. Annual check-ups. Composites. Detoxification. Accidents. Cavities. Broken teeth. Maxillofacial surgery. Wisdom teeth. Toothache. Dentist. Dentist. Orthodontist. Pedodentist. Hygienist. Dental clinic. Dental surgery. White tooth. Stomatology. Baby tooth. Abscess. Swelling. Swelling. TMJ. Redness. Bone graft. Sinusl

Our dental team looks forward to caring for you in our state-of-the-art premises, using the latest technical equipment. Our dentists will be happy to advise you and present you with a treatment plan and a detailed, state-of-the-art SSO estimate. Easy access and parking. Extended opening hours from 08:00 to 20:00 non-stop give you maximum flexibility. THE TEAM • MÉDECINS-DENTISTES Herbert STEPHANI Médecin / Médecin dentiste / administrateur & Fondateur SDS / DGI Francisco PEREIRA Médecin dentiste Tomy MURRAT RAMIM Médecin dentiste Maria PAPANDREOPOULOU Médecin-dentiste Yasser ABU-HAZIMA Médecin-dentiste Andrew MEGALLY Médecin-dentiste Hugo TAPIA Médecin-dentiste Gonçalo LOPES Médecin-dentiste Estelle CONTY Médecin-dentiste • ORTHODONTISTE – PÉDODONTISTES Vanessa MIRANDA Médecin dentiste Madeleine TAEWFIK Médecin dentiste Diana SOTTOMAYOR Médecin dentiste Ines CORREIA MARTINS Médecin-dentiste • HYGIÈNE Myriam CRAUSAZ Assistante en prophylaxie Sandrine MONNERON Assistante en prophylaxie Carine GENDRE Assistante en prophylaxie Dalloshi SKUKRIJE Assistante en prophylaxie Allissa CROT Assistante en prophylaxie Diane SULEJMANI Assistante en prophylaxie Marine VONLAUFEN Assistante en prophylaxie Shpresa METAJ Assistante en prophylaxie Specialities : Prophylaxis. Hygiene. Scaling. Curtages. Periodontal surgery. Conservative treatments. Composite resins. Ceramics. Root treatments. Aesthetic treatments. Bleaching. Veneers. Diamonds. Fixed and removable prosthetic treatments. Crowns. Bridges. Orthodontics. Implantology. Oral surgery. Treatment of joint dysfunctions. Care of children. Care of the elderly. Annual check-ups. Composites. Detoxification. Accidents. Cavities. Broken teeth. Maxillofacial surgery. Wisdom teeth. Toothache. Dentist. Dentist. Orthodontist. Pedodentist. Hygienist. Dental clinic. Dental surgery. White teeth. Stomatology. Baby tooth. Abscess. Swelling. Swelling. TMJ. Redness. Bone graft. Sinuslift

Welcome to 4You Ski Team Engadin , the Swiss ski school that transforms your passion for mountains and snow into unforgettable experiences for both professionals and amateurs. Located in the heart of the Engadine, our school offers a wide range of personalized courses tailored to the needs of every skier, from first descents to the most advanced levels. Our Mission The 4You Ski Team Engadin project was born from our shared passion for mountains and snow. Our goal is to provide comprehensive services in the snow world, from the first steps to the highest level, with passion and dedication to teach at our best. Our qualified team will help even the youngest to grow both technically and personally, experiencing a 360-degree adventure on the snow, which also means having fun while learning. Our love for snow led us to open our own school to convey all the emotions that only skiing and the Engadine can offer. 4You Ski Team Ski Courses for All Levels At 4You Ski Team Engadin, we believe that every skier has unique needs. That's why we offer a variety of courses designed to cater to every skill level and interest. Ski School for Beginners For those approaching skiing for the first time, our beginner courses provide a comprehensive and safe introduction to the world of alpine skiing. Our patient and qualified instructors will guide you through the basics, from equipment to technique, ensuring that each lesson is a step towards confidence and independence on the slopes. Advanced Ski School For skiers looking to refine their skills, our advanced courses offer intensive programs focused on technical improvement. Through personalized sessions, we work on specific aspects such as posture, speed control, and carving techniques, enabling you to tackle even the most challenging slopes with confidence. Competitive Ski School For those aspiring to compete, our competitive ski school offers specialized programs that combine technical and physical training. With experience in international events like the Alpine World Ski Championships and the Winter Olympics, our instructors will prepare you to excel in competitions, developing race strategies and enhancing your performance. 4You Ski Team Offered Disciplines Diversity is at the heart of our training offer. At 4You Ski Team Engadin, you can explore a range of disciplines that satisfy every passion for winter sports. • Alpine Skiing : From gentle slopes for beginners to technical descents for experts, we offer tailored courses that allow you to discover the wonders of alpine skiing in the Swiss Alps. • Cross-Country Skiing : Immerse yourself in the enchanting landscapes of the Engadine through cross-country trails that vary in difficulty and length, ideal for those seeking a tranquil experience or a physical challenge. Engadin • Snowboarding : Whether you're a novice or an experienced rider, our snowboarding courses will help you develop style and technique, exploring the various facets of this dynamic sport. • Freeride and Freestyle : For adventure and adrenaline enthusiasts, we offer specialized courses in freeride, to discover untouched terrains, and freestyle, to learn tricks and acrobatics safely. Ski School for Adults and Children At 4You Ski Team Engadin, we believe that skiing is an activity for all ages. Our programs are designed to meet the needs of both adults and children, ensuring a safe and enjoyable learning environment. • Adults : We offer personalized lessons that consider your previous experiences and goals, allowing you to progress at your own pace in a stimulating context. • Children : Our programs for the little ones combine play and learning, helping children develop technical and social skills, instilling in them a love for the mountains and skiing. Summer Ski School Passion for skiing knows no seasons. During the summer months, we organize glacier camps that offer the opportunity to continue training, improve skills, and experience the thrill of skiing in a unique setting. Discover the Engadine with Us The Engadine, also known as the "festival hall of the Alps," is a mountain valley in the canton of Graubünden, Switzerland. Here, sport and entertainment merge into one, offering unforgettable experiences to all, not just ski lovers. 4You Ski Team Join the 4You Ski Team Engadin and experience the passion for skiing in a professional and welcoming environment. Contact us today to discover the course that best suits your needs and start your adventure on the Engadine slopes.

Jean Barras Sàrl was founded in 2002 and is based in Botterens, Fr. Our company employs a dozen certified staff and trains carpenter apprentices, while keeping abreast of the latest technical developments: We are active in the canton of Fribourg and Romandie. We carry out all types of : Carpentry and timber construction : • Traditional framework • Exposed framework • Turrets and dormer windows • Timber-framed villas • Joisting • Balconies • Stairs, doors, etc. Alterations and renovations : • Re-roofing • Extensions Interior and exterior cladding : • Insulation, roofing • Woodwork, walls, ceilings • Floors • Dry screeds • Cladding Miscellaneous panelling : • Facade cladding Panelling and insulation for : • Villas • Buildings • Public and industrial buildings • Agricultural buildings (farms, rural buildings, sheds, etc.) • Chalets, log cabins and timber-frame chalets • Wooden facade cladding • Old houses ... We also work with Isofloc for insulation work.

Trust the experts in administrative and real estate management Financial management: Handling of rent payments and accessory charges, up to the preparation of the annual statement through proper accounting. Tenant management: Thorough screening of tenants and successors, monitoring of contract deadlines and renewals. Ensuring compliance with the "house regulations" and maintenance of property order. Technical management: Apartment handovers and returns, caretaker recruitment/management, supervision of building maintenance and technical installations. Tax declarations for individuals and companies: Salary declarations, payroll processing, and general bureaucracy (contract drafting/termination). Consulting: At your side for any administrative and real estate need. Business/company management: Accounting, monitoring of incoming payments, invoice processing. Preparation of annual financial statements (balance sheet and income statement).

Tout est parfait, la gentillesse en plus