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We have the Experience You Need
We recommend that your Minnesota criminal defense lawyer have roughly 10 to 20 years of experience practicing criminal law in the State of Minnesota. This is because state law has changed so much from 15 or 20 years ago. Thus, having a lawyer deeply involved in the practice of criminal law over this particular time frame will be of most benefit to today's client.
We relish the thought of Research and Writing on Your behalf
There can be no doubt that the most successful ingredient in winning criminal cases is spotting issues, and research and writing those issues. Rather than save these efforts for the rare client, we believe that every case has issues that require legal research. Our skills and enthusiasm in this area are unsurpassed. In fact, many very experienced Minnesota criminal lawyers often consult our firm with regard to legal issues in their clients' cases. This surfaced once again in late 2017 when Mr. Tschida discovered legal errors with respect to the Minnesota Implied Consent Advisory.
We take only a Limited number of Cases, and will turn away a Prospective Client if we are too Busy
Perhaps the number one disappointment criminal defendants have is that their lawyer was not attentive to their case. A prime example of this was the statewide source-code (Intoxilyzer) litigation. When that litigation ended in defeat, we had no pressure to resolve dozens upon dozens of cases at the same time, which was not at all conducive to successful outcomes for many of these defendants. In fact, most of our source-code clients later won their DWI cases on other grounds because of our Client-based decision to take on a limited number of those cases.
We practice Exclusively in the area of Criminal and DWI law
Many firms that practice criminal or DWI defense also offer other legal services, such as personal injury, estate planning, family law, or otherwise. Many have parallel websites offering these services that may not be obvious to the consumer. While there is nothing wrong with being a general practice lawyer, the area of criminal law is highly specialized. Your lawyer should have daily exposure to the field of criminal law.
Contact a Minnesota DWI Lawyer Today Contact a Minnesota Criminal Defense Lawyer Today Contact a Minnesota Expungement Lawyer Today


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The Nigerian military has declared the pro-Biafra separatist group, IPOB, a "terrorist organisation."
The military made the declaration in a statement on Friday by the Director of Defence Information, John Enenche.
Clashes between soldiers on a military operation and IPOB members in Abia State have left several people wounded. Although there have been reports of deaths particularly of IPOB members, none has been confirmed.
IPOB and its leader, Nnamdi Kanu are campaigning for an independent country of Biafra made up of ethnic Igbos. Although they had said their campaign was non-violent, Mr. Kanu said this week that that stance would be reviewed, accusing the military of attacking unharmed members of his organisation.
In his statement, Mr. Enenche, a major general, listed five reasons the military considered for labelling IPOB a terror group.
These include "The formation of a Biafra Secret Service, claimed formation of Biafra National Guard, unauthorised blocking of public access roads; extortion of money from innocent civilians at illegal road blocks, and militant possession and use of weapons (stones, molotov cocktails, machetes and broken bottles among others) on a military patrol on 10 September 2017."
Read the military's full statement below.
Meanwhile, the governors of the South-east states have entered into a meeting in Enugu State expected to deliberate on the recent rising tension in the region.
Some members of the Indigenous People Of Biafra, IPOB, during the week clashed repeatedly with soldiers as the military commenced preparations for exercise Egwu Eke II (Python Dance ll) which officially commenced on Friday.
The leader of IPOB, Nnamdi Kanu's whereabouts remains unknown after the army stormed his country home in Afara-Ibeku, Umuahia the state capital on Thursday.
On Wednesday soldiers on show of force attacked journalists at the Nigerian Union of Journalists, NUJ, secretariat in Umuahia, the Abia State capital destroying gadgets and manhandling some of them.
The army later apologised for the assault on journalists.
Injured casualties have also been recorded by both the security agencies and the pro-Biafan group leading to calls by some Nigerians for the federal government to halt the exercise.
The Army has said the exercise will continue and was meant to check criminality in the region.
The governors are expected to meet with some leaders of the zone to deliberate and come out with a blueprint on how to address the situation and challenges being posed by Mr. Kanu and his group whose campaign for secession of the zone from Nigeria has generated lots of tension in the country.
As at press time, the chairman of the forum, David Umahi of Ebonyi State, and his Abia State counterpart, have arrived the Enugu Government House venue of the meeting; where they were welcomed by the state governor, Ifeanyi Ugwuanyi
Governor Willie Obiano of Anambra State and his Imo counterpart, Rochas Okorocha, have also arrived at the venue. So also is Deputy Senate President Ike Ekweremadu.
Mr. Kanu had two days ago announced his withdrawal from the meeting citing security reports he got that the Army was planning to ambush and kill him on the way to the meeting. – PREMIUM TIMES

subset: commoncrawl


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Today I was looking for the perfect picture to put on the first page of the unveiling program I am creating for my mother's unveiling this Sunday. It is her birthday today, and is a day charged with emotion and tender feelings that emerge from their hiding place slightly beneath the service. I sat on the floor in her now deserted living room on the other side of our family room and opened the doors to cupboards that house the memories. More than twenty photo albums lined up, dated and labeled. They are doors to the past and their somewhat faded pictures jolt memories bubbling up from deep places. The photographs are frozen moments, happy smiles, laughing at unknown jokes, glamorous figures holding burning cigarettes, frolicking children with secret stories and the cherished pets, long gone.
Where was my mother? In 1929, a little baby with a sister seven years older, a mother who was unpredictable and a father who traveled on trains selling women's blouses. Who was my mother? A young woman in saddle shoes, knee socks and shorts pretending to play a guitar newly married in her new New York apartment. What was my mother? A young teacher with a picture of her Room 14 graduating class in the pages of her photo album mixed among her family photos: she cared that much. When was my mother? The happiest in her first real home on Ethel Avenue, decorated to her pleasure complete with a swimming pool, weekend barbecue parties, family holiday dinners and a sweet smelling orange tree outside her office window. Why was my mother? A curious woman, engaging others in conversation about books and politics, places she longed to see and some she had seen her whole life. How was my mother? A grandmother partial to lovely, signed, illustrated children's books, tea parties, special day trips and newspaper clippings sent with the recipients name written on them, "For Amy."
I found the picture of her with my oldest daughter on the day she moved away up north. My oldest in her college tee-shirt, my mother a good five inches shorter with a sad smile and the sleepy look of an early morning. My mother also took pictures of my daughter's car, crammed with everything she owned, filling all of the places that we would no longer fill, and the last picture of her driving off, with the scared happiness of a life beginning.
My mother was good at observation, introspection and analysis. She could see inside where no one else was allowed to visit and she could share so much of herself that I have still kept some of her, safely tucked away inside of me. Happy Birthday Mom.


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Reliable Home Care offers services and solutions for seniors and their families by providing quality personal care wherever your loved one resides. Our goal is to improve quality of life for both you and your loved one. We acknowledge that each one of our clients is a special individual with their own unique set of needs.
Tuesday, March 29, 2011
Ocassional exercise and sexual activity can increase risk of heart attack
New research says both exercise and sex can trigger a short term increased risk of heart attack and sudden cardiac death. This risk is low to those who maintain constant physical activity. When it comes to these activities your better to do it on a regular basis, especially for seniors. Regular physical activity is strongly associated with a decreased risk of cardiovascular disease and related mortality. Overall an event of sexual activity was associated with 2.7 times increased risk of heart attack, atleast one to two hours after exerting oneself. This study found that each additional time a person exercised in a week reduced the risk of heart attack by 45%, and 30% for suddden cardiac death. If you have not done much physical activity recently dont go running a marathon, gradually build up your stamina.
Posted by Reliable Home Care a2 at 12:25 PM No comments:
Monday, March 28, 2011
Story telling program improves lives of people with Alzheimers
An estimated 5.3 million Americans have Alzheimers, including 5.1 senior citizens aged 65 and older. Dementia symptoms include a loss of brain function that affects memory, thinking, language, judgment, and behavior. TimeSlips, a creative storytelling program, is for people with Dementia that encourages participants to use their imagination to create short stories as a group. It encourages participants to be actively involved and to experience moments of recognition, creation, and celebration. This study held one hour sessions, twice a week for six weeks. The results included increased expressions of pleasure and initiation of social communication. Improvements lasted several weeks following the last session.
Posted by Reliable Home Care a2 at 12:07 PM 2 comments:
Seniors surviving breast cancer have more risk of falling
Women who are seniors and breast cancer survivors, appear to fall more than their peers. Combined effects of chemotherapy and endocrine therapy may increase the risk of bone fractures. Researchers asked post-menopausal breast cancer survivors whether they had fallen in the past year and tracked their falls over a 6 month study period. Researchers used a comprhensive set of neuromuscular and balance characteristics. The study findings suggest that the balance problems may have been related to changes in the vestibular system that is associated with chemotherapy. The vestibular system begins in the inner ear and is responsible for balance and posture,and also regulates locomotion and other movements. This study is to consider how breast cancer treatment may increase your fall risk and by exploring mediators of the treatment/falling relationship.
Posted by Reliable Home Care a2 at 10:46 AM No comments:
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Tribal motifs spring to new life in this modern interpretation of ancient Persian design. Intricate details highlighted in turquoise and oxblood are presented in elegant contrast to the creamy gold and vanilla ground. An eye-filling, tantalizing and wonderfully appealing rug.
The Rhapsody 5'6" x 8' Light Gold Rectangle Rug by Nourison at Home Collections Furniture in the Denver, Aurora, Parker, Centennial, Littleton, Castle Rock, CO area. Product availability may vary. Contact us for the most current availability on this product.
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This item has been tagged as: Rugs, Area Rugs, Home Decorations, Accessories, Home Design Accessories, Throw Rugs, Bathroom Rugs, Large Rugs, Small Rugs, Floor Rugs, Unique Area Rugs, Rug, Indoor Rugs, Bed Rug, Living Room Rug, Family Room Rug, Kitchen Rugs, Hallway Rug, Accent Rug, Nursery Rug, Room Rugs, Carpet, Decorative Rugs, Floor Mat, Floor Covering, Coverlet, Mat, Matting, Runner, Carpet Runners, Tapestry, Tapestries, Table Rug
Nothing on this page may be copied or reproduced without explicit permission.


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Unlimited access to Science Uncovered along with 5,000+ other digital magazines and premium articles
In Science Uncovered, leading scientists from around the globe explain how the world around you works. It is packed with fascinating insights into space, nature, the human body, engineering, and technology, all brought to life with stunning photographs and illustrations.
25 Most incredible sights in the Universe - Coronal mass ejections, Titan's methane lakes, the Cat's Eye Nebula and other must-see cosmic sights. How does sugar affect our bodies? The amazing vehicle that's half bike, half 'copter. How long will it take for the Sun to engulf the Earth? Is a worldwide Ebola crisis imminent? Nature's strangest defences World's largest seed vault.


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Apple's GAAD 2018 Efforts →
Yesterday was Global Accessibility Awareness Day. Apple, as it has done the last few years, was an active participant in promoting the day—a day all about raising awareness for disabled people and the importance of accessible technology. Being the industry leader, Apple plays a big role.
For TechCrunch, I wrote a deep dive story on Apple's activities for this year, tied into the education announcements they made in Chicago in late March. Apple invited me to a small event at the California School for the Deaf in Fremont, which was the highlight of the day. It was at that event where I got an opportunity to briefly interview CEO Tim Cook about GAAD and what accessibility means to the company and to him. The reporting was key, but man, how exhilirating it was for me. It was an amazing experience—one that I won't ever forget.


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You've found your place. When you're away from the comforts of home, you want to stay somewhere warm and welcoming. The authentic Northwest setting at Cedarbrook Lodge, along with amenities that raise the bar of pure comfort, deliver a unique, inspiring visit.
Come unwind and refresh in The Spa and dine in Copperleaf Restaurant or Copperleaf Bar & Terrace as world-class hospitality threads through every aspect of your experience. And given how close Cedarbrook is to SeaTac Airport and the adventures that await in Seattle, you'll revel in the convenience of an exciting city excursion.
Not your typical hotel near SeaTac experience, your time at Cedarbrook Lodge gives you access to a lush 18-acre retreat, placing you amid a true urban oasis. Whether traveling for business or pleasure, this is your well-earned escape.
SUMMERTIME FUN AT CEDARBROOKWine dinners, happy hour, and much more.
A CITRUS SUMMERRevitalize the skin with a rich burst of citrus.
SIP, SAVOR & SLUMBERFrom a bountiful breakfast to a handcrafted night cap, sip and savor your way through the day
100 DAYS OF SUMMERInspire your team with our beautiful urban oasis setting
From daily delights and happy hours to annual favorites, our Epicurean Events are designed to showcase more than just food. These authentically Northwest events create unmatched culinary experiences for each guest.
Cedarbrook takes hospitality to the next level with complimentary services. Indulge each morning in Northwest-inspired breakfast, relax in Living Rooms with 24-hour snacks, take advantage of shuttle transportation to the airport, and more!
Check out the latest happenings at our urban oasis.


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Hundreds of supporters of jailed Royal Marine Alexander Blackman will rally outside Parliament today in a fresh attempt to shame the government into freeing the jailed war hero.
Ministry of Defence Jobsworths have banned serving military personnel from attending the show of solidarity for Sergeant Blackman, who has just passed his third anniversary behind bars.
His bid for freedom has been held up by a series of bureaucratic delays at the Criminal Cases Review Commission, which has the power to order a fresh appeal.
Today hundreds of retired Marines – forming a 'sea of green' berets – and other former soldiers and members of the public will gather for a peaceful demonstration in Parliament Square starting at 11.30am.
Known as 'Marine A' at his court martial, Sgt Blackman was jailed for life for killing a Taliban insurgent in Afghanistan in 2011. He was jailed in 2013, and has now spent more than three years in prison.
Daily Mail readers have raised money to fund a new legal team to mount a fresh appeal.
Ten months ago, Sgt Blackman's family submitted an application to the Criminal Cases Review Commission (CCRC) to have his case reviewed.
A comprehensive report delivered by Blackman's legal team, headed by Jonathan Goldberg QC, set out eight significant arguments in support of a case review by the Appeal Court.
They include the fact that his troop had suffered six months on the 'tour from hell' under-manned, under-resourced and under daily Taliban assault, before Sgt Blackman snapped.
His lawyers argue there was significant 'combat stress' which could support his conviction being commuted from murder to manslaughter.
The case has been dogged with delays, despite the CCRC giving it top priority.
As they await the decision, his army of supporters has organised a 'show of support' in Parliament Square to let him know that he has not been forgotten and to call on the CCRC to hurry things up.
Tory MP Richard Drax said: 'We meet again in Parliament Square to stand by former Royal Marine Al Blackman and of course his wife Claire.
'While I am delighted that his case is being treated as a top priority by the Criminal Cases Review Commission, it does appear to be taking an inordinate amount of time to conclude.
'Meanwhile, a good man continues to rot in jail, a man whom I believe has not received justice, a man whom has served his country with distinction, a man whom we have turned our backs on when he needed us most.'
Serving personnel have been ordered not to attend the show of support on the utterly bogus grounds that it is 'political'.
But former members of the Royal Marines' Band will entertain those gathered in Parliament Square and former servicemen and women will ride past in a motorcycle salute.
At 11.30am, former Drill Leader Bob Sturtivant will 'form up' the parade.
Short speeches will be delivered at 12pm by supporters of the campaign for justice.
They include Major General Malcolm Hunt OBE, former Commander of 40 Commando Royal Marines in the Falkland Islands, who said: 'The denial of justice to Al Blackman has gone on for far too long.
'I am very pleased to be supporting Claire Blackman and her husband in their bid to urge the CCRC to bring their nightmare to a speedy conclusion.'
Major General John Holmes, former Director of UK Special Forces, added: 'I am honoured to be back in Parliament Square supporting Al Blackman.
'This is not just a Royal Marine issue, everyone in Her Majesty's Services should take note and press for a speedy resolution and seek assurances that future cases of this nature are handled in a more appropriate and sympathetic manner.'
Major General Julian Thompson, former Commander of 3 Commando Brigade during the Falklands War, is unable to attend the event as he is recovering from an operation.
But he said in a message: 'I want to publicly declare my support for Al Blackman and his legal team in the effort to present his case to the Criminal Cases Review Commission.
'I sincerely hope that the outcome will be a decision to release him from custody as soon as possible.'


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This video clip comes from one of Danny's most favourite movies, The Many Adventures of Winnie the Pooh. I cannot watch more than 10 seconds of this video before the pain gets too much. This music and pictures brings back memories that touch the centre of my soul.
Dearest Danny
The "Winnie Poohs" are for you and for the special times we had watching this "DVDV" together. You have touched the core of my soul and to say that I miss you will never be enough. I ache for you, cry for you, look for you, wish for you. Losing you was to lose a part of my very being...my Angel. Sleep well, my love is with you forever, now and into the next life - there where we will find each other again


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(CAL) Retro Pay for CQ CBT/
(CAL) Retro Pay for CQ CBT
Date: January 13, 2017
Type: AFA Article
If you as a pre-merger CAL Flight Attendant, completed a Continuing Qualification (CQ) Computer Based Training (CBT) in September, October, and/or November bid month and received only one hour of pay, you will see an additional 40 minutes of pay in your mid-month January paycheck. The additional pay can be found on your pay advice listed as "RETRO". This is a one time retroactive payment and is a result of the JCBA implementation of Section 11.B.2. This provision entitled you to 1:40 minutes of pay instead of 1 hour of pay.


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We provide clean, comfortable restrooms for residential and commercial construction sites. Whether you're renovating your homestead or building a high rise we've got the service you need to keep the labor force comfortable and productive.
Our standard restrooms are serviced once a week and restocked with toilet paper. We can service units more often if necessary. We deliver the units and remove them and handle all waste removal.


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So here it is.
One of the biggest lessons I had to learn. The hard way. Which means I learned it by walking around, acting as if it were true, then getting really SIDEWAYS results. It got to a point where I was taking everything, every little thing, as feedback. And, taking everything that showed up in my reality as something to say "yes" to. Let's just say that I slept with a lot of losers and really did not have any clue what boundaries were.
A wise teacher (or maybe I made this up, I can't quite remember) once told me:
"When you look in the mirror, do you ever just see yourself? No. Because what comes back to us is our reflection, along with our environment, the lighting, the mood of the space, and other factors (like maybe the mirror is warped) that have nothing, yes NOTHING TO DO WITH YOU."
The weirdest thing about the idea that "everything is a reflection of you" is when someone else reminds you of this. For example, say someone speaks to me rudely and I point out, "Hey, I don't appreciate it when you use that tone of voice with me" and the response is "Well, the way I am showing up is just a reflection of you. " Yuck. This is a dangerous practice called deflecting, not reflecting.
The circles that I have seen this "reflection" and "yes to it all" philosophy are not 100% wrong. It is that reflection of self, and the answer of YES to what shows up in front of you are only HALF of the options.
The first option is remembering the CONTEXT of the reflection.
Do you trust the person who is reflecting this to you?
Is this a situation that it is time to learn to create your boundaries? Just because someone treated you poorly, it does not mean that you need to do more work on yourself, and just accept the treatment. It may mean that it is time to draw your boundary, say thank you very much and block their phone number. Seriously.
It is not okay to notice a difficult situation that someone is going through then blame THEM for that reality because "they attracted it to them self" or because it is "just a reflection of their inner reality." Here is a reflection - if it is NOT OKAY, then the lesson here is for you to draw a line and say NO to that behavior in your life.
The second option is practicing that NO is always an appropriate answer.
Sometimes the lesson is learning how to say no to something that shows up, tempting, and enticing, because you have made a commitment, you have a set of values in place that are set to a goal that requires you to stay on course.
The example I can best draw from for this theme would be recently, while developing my own business. Yep, I am a good, ole-fashioned entrepreneur and it is ass-kicking hard work. Mostly internal stuff around self-worth, mixed with annoying details like learning accounting. Back in August I decided to DEDICATE myself to this work full time, and not get distracted with my usual tactics, like leaving the country, having a crazy love affair and cutting off contact with everyone, or getting board which leads to creating chaos and sabotaging what I had built. I gave myself a full year to really stay put, get on track, and get some support.
So there I was, a few months into seeing clients 1x1, and even toying around with developing some group work, and get I an offer. An offer that 3 months ago, I would have NOT refused. Great money. Travel. With a company I love. Team building and coaching - work I love.
Now. Is the Universe telling me to switch?
I mean it would be SO MUCH EASIER just to go back to this company.
I would feel SO MUCH MORE SUPPORTED and still be doing the work that I love.
But here is the thing.
I had made a value line. I dedicated a YEAR of myself to my business here. Yep. The website you are on right now is part of the fruit of my entrepreneurial labor.
So the answer for me, at that time was NO.
Just because it showed up, in a great package, did not mean it was a yes. Because I had dedicated myself to something else, the answer was NO.
This may seem like small peanuts, but I have this conversation bi-weekly with friends and clients who believe that there are all these signs and symbols all around them, controlling their reality. Yes, I subscribe to being sensitive to my surroundings, and understanding the rhythms of the Universe. I am also learning that I am an ACTIVE CREATOR in this reality and that my NO's are just as powerful and just as vital to creating the life I desire as my YESES.
So I share this not as an expert, but more as a student in the research of contextual YES and NO.
What do you feel about the ideas that everything out there is a Reflection of you?
Also, what do you feel about the "Saying Yes to Whatever Arrises" philosophy?I want to emphasize that this is a huge subject, and my gross, broad brushstrokes do not even begin to really play with the personalized subtly of this subject. I do hope to however begin a deeper conversation around boundaries and taking responsibility for one's own creation.
Briana Cavion, MA, MAnlp
Briana is a Communication and Relationship Coach for WholeLife Neuro-Linguistic Programing (wholelifenlp.com). She has been described as having a "magical" way of helping her clients identify and release what has been slowing them down, sabotaging their path, and stopping them from living the life they most desire. She coaches to reignite personal freedom, flourishing relationships, soulful leadership, and authentic communication. She works with the presupposition that life is an incredible opportunity to create the truest expression of your highest purpose, greatest impact, and deepest gifts.


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ON AIR - C103 Overnight
Cork County Board was informed this morning that the scheduled handover date of June 18th would not now be met, with knock on effects for the games.
The board issued a statement saying that there were some commissioning works to be completed and these will be finished by July 7th.
The first game in the new stadium will now take place in mid July.
Cork County chairman, Ger Lane expressed his disappointment but said the board wants expectations to be met and everything to be pristine before the stadium hosts its first major games.


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A few years ago, I started a personal initiative to get my health under control.
I called it "Operation: Fight Statistics".
You see, on the outside I looked pretty healthy and I wasn't what you would define as overweight. However, I had admittedly gained 20 lbs the previous year and a half.
And yet, cholesterol was rising and blood pressure was elevated.
It was a true eye opener because at that time I was only 26-years-old. Yikes! People in my family tend to have blood pressure and cholesterol issues early on.
So, I set out to lose weight and FIGHT STATISTICS. I vowed to battle the statistics that plague my culture and me as a woman.
Back then, I got a trainer and lost 25 lbs and drastically my body was back to normal and kept that off for years. Now at 32, I am slowly creeping back up. I don't like to blame age because honestly, the way I have been eating lately and skipping the gym, I can see why the weight is creeping up.
So, I am starting back up full force. I don't want to be another statistic. Can you prevent all health issues? Maybe not, but I for sure don't want to contribute to my own health issues
So, I invite you to join me. Appearance is important, but the inner body health is what I am focusing on. I will fight against the health issues and the statistics that plague my culture, my family, and me as a woman.
The first step will be shopping wisely at the grocery store. Stay tuned.


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A youthful-looking, voluminous backside is a quintessential part of the modern figure. If your butt has changed shape, begun to sag, or is smaller or flatter than you'd like, a Brazilian butt lift can help you get the proportions you want and deserve.Schedule consultation
A Brazilian butt lift (gluteal fat graft) is a fat transfer procedure that involves removing fat from your hips, abdomen, lower back, or thighs with liposuction and strategically injecting it into your buttocks. Because the procedure uses your own fat—not implants—the result is a natural augmentation.
A Brazilian butt lift not only makes your backside more prominent, it can also sculpt your thighs, hips, and waistline. When performed by a skilled surgeon, like Dr. Do, the procedure can improve the proportions of your entire lower body—and the results will last for many years.
Genetics plays a large role in determining where you store fat and the shape and proportion of your buttocks—it's why many people simply are unable to achieve the look they want through exercise and diet alone. Brazilian butt lift surgery can help you get the look you want when your body won't cooperate despite your best efforts.
Benefits of the procedure can include:
A significant advantage of Brazilian butt lift surgery is that it increases the size of your rear without implants. The procedure is a good option for many people; however, those who are very lean may not have enough fat reserves in the thighs, belly, and hips for the procedure.
In general, you're considered a good candidate if you want to avoid implants and you meet the following criteria:
Here is a basic overview of Brazilian butt lift surgery. Dr. Do performs the procedure on an outpatient basis (meaning no hospitalization is required):
After surgery you can expect to have some pain and soreness. This is completely normal and is easily controlled with pain medication.
You won't be able to sit down (except when using the toilet) or lie down with pressure on your buttocks for around 2 weeks. You will need to sleep on your stomach or side; if you normally sleep on your back, using pillows can help prevent you from turning onto your back while you sleep.
After a couple weeks Dr. Do will allow you to resume sitting, either on a donut-shaped pillow or with a pillow under your thighs. This helps reduce the amount of direct pressure on your buttocks. You won't be able to resume normal sitting for about 8 weeks after surgery.
Most patients are able to go back to work within 10 to 14 days of surgery.
The results of Brazilian butt lift surgery can last for many years. Fat removed with liposuction will not return to those areas, and fat cells that survive the transfer will remain there for years (it's normal for some fat cells to die after surgery and be expelled naturally by the body).
It usually takes about 6 months for residual swelling to go away completely. It's around this time—around 6 months post-surgery—that you'll see the full impact of your new curvier backside and improved lower body proportions.
It's vital to find an experienced, board-certified surgeon to perform your surgery, as Brazilian butt lift surgery is riskier than other procedures. The risks of Brazilian buttock augmentation include fat embolism, which is when fat is accidentally injected into a large vessel; a fat embolism can travel to the lungs and cause a stroke. The importance of using an experienced surgeon cannot be overstated.
Dr. Do is a skilled, double board-certified surgeon who has an acute understanding of human anatomy and has performed more than 10,000 surgeries. He understands Brazilian butt lift complications and does everything possible to help minimize Brazilian butt lift risks for his patients. He also has a highly-developed eye for aesthetic detail and extensive experience in fat transfer techniques.
You're in good hands with Dr. Do—one of the best surgeons for Brazilian butt lift in Texas—and the entire team at Aesthetic Surgery Institute.
Schedule your free consultation today to learn whether you are a candidate for a Brazilian butt lift in Houston.
Dr. Do may recommend one or more of the following procedures to complement or as an alternative to a butt lift, depending on your unique goals and health status.
At Aesthetic Surgery Institute, we can provide you with the butt you've always dreamed of. Our surgical center is on site to avoid the hassle of driving to another location. We also offer you a free evaluation to see if the procedure matches your desires. Give us a call at (713) 493-7397.
You can expect great results if you have realistic expectations from Rhinoplasty. Final results of nose reshaping cosmetic surgery may not be apparent until 6 months to a year after the surgery.


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Jargon buster
While we all try to be as clear as possible, sometimes it can feel like financial services in particular are speaking a different language.
So whilst we've simplified this site as best we can, if you do get stuck, this jargon buster should help explain the most commonly used terms.
Select from the tabs below, to find terms related to your product.
Retirement savings
Choosing the right pension can be difficult, which is why we've created this jargon buster to explain some of the most commonly used words and terms. The tax information we provide is based on our understanding of current tax law and could change.
Annual Allowance
The Annual Allowance for the 2019/2020 tax year is £40,000. If the total gross contributions paid by you, your employer or a third party, into any UK Registered Pension Scheme you've taken out are over the Annual Allowance, you'll be subject to a tax charge. If you're also in a final salary pension scheme (defined benefit), your gross contributions for that scheme will be based on the increase in the value of your benefits during the tax year.
In some circumstances a reduced Annual Allowance may apply:
- A Money Purchase Annual Allowance (£4,000 gross for the 2019/2020 tax year) will apply each tax year once you take money directly out of any money purchase (defined contribution) pension pot you have, unless you:
- only take your tax-free cash lump sum, or
- take all of it under the small pension pot rules, or
- continue taking Capped Income Drawdown.
Not all of these options will be available from every pension pot.
- Your Annual Allowance may also be reduced if your income (including the value of any pension contributions) is over £150,000 and your income (excluding the value of any pension contributions) is over £110,000.
The Annual Allowance will not apply in the tax year in which you die or if you access your pension pot because of serious ill health.
More information is also available at gov.uk
You should contact your adviser if:
- You expect your total gross contributions into all pension schemes to exceed the Annual Allowance in any tax year as unused allowances may be available from previous tax years;
- You have any additional questions, including whether your Annual Allowance will be reduced.
Annual management charge (AMC)
The charge to cover set up and management costs, administration and day-to-day fund management.
An annuity is what most people call their 'pension'. It's a financial product that provides you with a regular income, usually for life. You can use all or part of your pension pot to buy an annuity from an insurance company.
Asset allocation
Is the way you've decided to invest. For example:
- different types of investment (for instance, shares or bonds);
- what markets (what regions or countries, for example the UK or overseas market); and
- what sectors (for example technology or health care).
Asset class
Assets are what investment funds invest in. They have a significant impact on the performance of an investment so it's important to understand the differences between the main types of asset.
There are four main types of asset and each has its own characteristics:
1. Equities – also known as 'shares', are a share in a company that allows the owner of those shares to participate in any financial success achieved by that company. They're considered by many investment experts to be good for long-term growth but their value can go up and down a lot in the short term.
2. Fixed interest securities – also known as 'bonds', they are essentially a loan usually to a company or a government - the company or government pays regular interest on the loan and then pays it all back at a set date in the future. The value of fixed interest securities does go up and down. It tends to go up and down less than the value of shares but potential returns are often lower.
3. Commercial property – here you buy ownership in buildings, such as office blocks or shopping units. Property funds may grow from rising property values and rent paid by tenants. Property value is opinion based so the value may go up and down.
4. Cash - Some investment funds keep a proportion of your money in cash, adding flexibility to your 'asset mix' and making the investment fund more stable. The proportion of the investment in cash is usually quite low as the growth potential is low. So it's low risk but offers the lowest potential return.
Automatic enrolment
Automatic enrolment is a Government initiative to encourage people to save more for their retirement. Employers will automatically enrol their eligible employees into their pension scheme. Employees then have the option to opt out.
Find out more about automatic enrolment by visiting gov.uk/workplace-pensions
Nominating a beneficiary means if you die before you take your benefits and a lump sum becomes available you can request who you would like this lump sum paid to.
You can normally take up to 25% of your pension pot tax free and use the rest of your pot to buy an annuity, take a regular income directly from your pot or take a lump sum. Different products will have different options available. You should shop around to find the best product to suit your circumstances.
Bid price
The price you sell your units in your investment fund for.
Bid/offer spread
The difference between the 'buying' (offer) and 'selling' (bid) price of units in an investment fund.
Capped Income Drawdown
Is one of two types of income drawdown where your pension pot can be left invested and an income taken directly from your pot. It is only available to those who were already in drawdown before 6 April 2015. There are restrictions on the amount of income that can be taken, however, it is possible to change from Capped to Flexi-Access Drawdown. Whilst in Capped Income Drawdown, there is no impact to your Annual Allowance.
Company pension
This is a scheme set up by an employer to provide benefits for when their employee retires. Typically, both the employer and the employee make regular contributions into the scheme. These are also known as occupational pensions.
A payment into your pension plan made by you, your employer or any other person (called a third-party). You can usually pay regular contributions every month or every year. You can usually make one-off contributions at any time before you access your pension pot (this is known as a single contribution).
Defined Benefit Pension Scheme
Sometimes also called a final salary scheme, is one that promises to pay out a guaranteed amount of income at your selected retirement date.
Defined Contribution Pension Scheme
Also known as a money purchase scheme, a pot of money is built up and is then used to provide retirement benefits. Unlike defined benefit schemes, these schemes do not provide a guaranteed income. The value of your pot will depend on a number of factors including the amount paid in, charges deducted and investment performance.
Derivatives are contracts usually giving a commitment or right to buy or sell assets on specified conditions, for example on a set date in the future and at a set price. The value of a derivative contract can vary. Some derivatives can have large changes in their value over a short period of time, while others may be more stable.The value of some types of derivative can even move in the opposite direction to a particular market.
Derivatives can generally be used with the aim of enhancing the overall investment returns of a fund by taking on an increased risk, or they can be used with the aim of reducing the amount of risk an investment fund is exposed to. The value of derivatives may vary more than an investment in shares, fixed interest securities or commercial property.
If one of the parties in a derivative contract suffers financial difficulty, they may not be able to make some of the payments they owe. This can affect the value of a fund invested in derivatives.
Ethical investment
An investment that conforms to a range of ethical and environmental guidelines.
Exit charge
Also known as a withdrawal charge, some companies charge a fee when you cash in your units.
External fund
An investment fund that a company other than Legal & General manages.
Flexi-Access Drawdown
This is an option that can usually be taken from age 55 onwards from a defined contribution pension pot. Your pension pot is left invested and an income taken directly from it. There are no limits to the amount of income that can be taken. When the first income payment is made, the Money Purchase Annual Allowance will be triggered. Please see the Annual Allowance explanation for more information.
A collection of assets that you can invest in. Money is pooled together from various sources and managed by a professional investment fund manager. This means that you can invest a fairly small amount while still enjoying the benefits of a larger investment fund.
Fund manager
A professional person who manages an investment fund on behalf of investors. Each investment fund has aims and financial goals that the investment fund manager tries to meet.
Gilts are bonds issued by the Government to raise money. When you invest into a gilt your money is lent to the Government who agree to pay an amount of interest over a certain period of time.
Gross income
Income before tax is deducted.
HM Revenue & Customs is the part of the Government that is responsible for collecting tax.
Index-tracker (or passive fund)
Index-tracker funds invest in most or all of the same shares, and in a similar proportion, as the index they are tracking, for example the FTSE 100 Index. Index-tracker funds aim to produce a return in line with a particular market or sector, for example, Europe or technology. They are also sometimes known as 'tracker funds'.
The increase in prices over a period of time tracked by the Office for National Statistics UK. As prices rise, what you can buy with a fixed amount of money falls, so your money has less buying power.
Internal fund
An investment fund managed by Legal & General.
Lifetime Allowance
There are no restrictions on the value of the total benefits payable from all your Registered Pension Schemes. However, anything over a certain level, called the Lifetime Allowance, will be subject to a tax charge of up to 55% on the excess.
For most people their Lifetime Allowance will be the standard Lifetime Allowance. The standard Lifetime Allowance for the tax year 2019/2020 is £1.055 million. Certain circumstances may mean you have a different personal Lifetime Allowance - for example, if you've registered with HMRC for protection. Depending on the type of protection you have, any contribution to a plan may mean you lose your protection.
My Account
Is the name of our service that allows you to manage some of our products online. For some pension plans you can change your contributions, switch funds or simply check up on the value of your plan whenever it suits you. Registering and using My Account is fast and simple - just visit: legalandgeneral.com/login
National Employment Savings Trust (NEST)
NEST is a pension provider set up by the Government as part of its changes to workplace pensions. Employers who have to enrol their eligible employees into a pension scheme as a part of automatic enrolment can use NEST instead of a private pension scheme. Once a member, you can carry on saving even if you change jobs or stop working. To find out more about NEST, visit The Money Advice Service website.
Net income
Income after tax is deducted.
Is a company (or person) who looks after the ownership of investments on behalf of someone else.
Occupational pension
This is a scheme set up by an employer to provide benefits for when their employee retires. Typically, both the employer and the employee make regular contributions into the scheme. These are also known as company pensions.
Offer price
The price at which you buy units in an investment fund. So if you have £10,000 to invest and the offer price is £1 a unit, you could buy 10,000 units.
Open-ended investment companies (OEICs)
Are established as companies that issue shares to investors. The value of an OEIC is set on a daily basis and divided into shares of equal worth. They are similar to unit trusts as they pool investors' money and they can invest in sub-funds in different market sectors giving greater diversity.
Pension pot
Is the money built up within a Defined Contribution Pension Scheme. This could be through transferring in other pensions, making single or regular contributions or receiving pension credits as a result of a divorce settlement. This money is then used to provide benefits.
Pension Wise
A service set up by the Government that offers free and impartial guidance to anyone aged 50 or over who has a defined contribution pension. They offer guidance over the phone or face to face. You can find out more on their dedicated Pension Wise website.
Personal Illustration
A document that provides a guide to how much you might get back from your pension pot. It's based on a number of example investment growth rates and it shows the charges you may pay. It assumes that charges will remain at their current level, and your contributions and funds selection remain unaltered throughout the term of your plan. You may have more than one personal illustration.
Pound cost averaging
To benefit from pound cost averaging you need to invest money on a regular basis. Spreading your investment over a period of time will help to cushion you from fluctuations in the price of units as you will buy more units when the unit price is low and fewer units if the price increases.
Registered Pension Scheme
A scheme that is registered in the UK under Chapter 2 of Part 4 of the Finance Act 2004. A Registered Pension Scheme qualifies for special tax privileges.
When you invest in an investment fund, it's important to consider the risks. This is because the value of any money invested can go down as well as up so you could get back less than you invest. All investment funds have their own risks with some having higher overall risk ratings than others. Higher risk investment funds offer the potential for higher returns but carry with them an increased risk of not getting back all the money you initially invested.
Selected retirement date
The date you intend to access your pension pot. This is normally from age 55.
Shares are sold by companies to raise money. Shareholders are entitled to a share of company profits, usually paid as dividends, and have the right to vote on major decisions. If the company is a Public Limited Company their shares will be available to buy on the stock exchange.
Small pension pot
A type of benefit that can be taken if you are aged 55 or over and have a pension pot value of £10,000 or less. You can only take three in a lifetime.
Stakeholder pension
Stakeholder pensions are a flexible, tax-efficient way of saving money for your retirement. By law, the yearly charges must be no more than 1.5% of your pension pot for the first 10 years and no more than 1% of your pension pot after that. A pension plan can only be registered as a Stakeholder plan if it meets strict standards set by the Government.
State Pension
The State Pension is a regular payment from the Government that you can get when you reach State Pension Age. The State Pension you'll receive will depend on the date you reach your State Pension Age and the number of qualifying years you have. Find out more about the State Pension at gov.uk
Stock exchange
This is where stocks and shares in companies can be bought and sold.
Switching is when you move your investment from one investment fund to another.
Tax-free cash lump sum
An amount of cash that can be taken from a pension pot tax free, usually up to 25%.
Tax relief
There's no limit on how much you can contribute, however, there is a limit on how much tax relief you can get.
Your contributions before basic rate tax relief is added are net contributions. For most plans we add tax relief up to the basic rate, which we reclaim from HMRC, on the contributions you make. Your contributions after basic rate tax relief is added are gross contributions.
If you have no earnings, or earn up to £3,600 in a tax year, you can contribute £2,880 net across all your pension schemes and get tax relief of £720, giving you a gross contribution of £3,600. If you earn more than £3,600 in a tax year, you can get tax relief on 100% of the earnings you contribute up to the Annual Allowance.
For example, if you pay £80 a month as your net contribution, we currently add £20, as the basic rate of tax is 20% (£80 divided by 0.8 = £100).
Your contract is for the gross contribution, so if the basic rate of tax changes, the amount you pay will change. If you pay more than 20% tax on any of your income, you can reclaim any further tax relief through your yearly tax return or by contacting HMRC.
Tax relief does not apply to:
- Transfer payments
- Employer contributions
- Any contributions on or after your 75th birthday.
When you reach age 75 your regular net contribution will increase as your contract is for the gross contribution and the tax relief will no longer be added.
We have a small number of pension plans where the contributions are paid gross of tax. If this is the case you will need to claim back any tax relief you are entitled to from HMRC through your yearly tax return. In addition, some of our pension plans end when you reach age 75 so you won't be able to pay any further contributions after this date. If you're not sure if either applies to you, please contact us.
You can transfer the value of some pension pots between providers. We would recommend you get advice before you do this and request a transfer value analysis, so you can compare all the options available to you.
Transfer value analysis
This is where an adviser looks at the value of your current pension and the value of alternative options available to you. We strongly recommend that you get advice to evaluate all your options before transferring the value of your pension pot.
UK dividends
Dividend payments can be made to shareholders of a company in the United Kingdom from that company's profit. The amount of payment is decided by the company directors.
UK resident
You live in the UK and are here for at least 183 days in a tax year.
Uncrystallised Funds Pension Lump Sum (UFPLS)
A type of benefit that can be taken from a defined contribution pension pot if you are aged 55 or over, made up of 25% tax-free cash with the remaining 75% taxed in the same way as earned income.
A unit is a share of an investment fund. Each investment fund is split into units. The number of units you hold is your share of the investment fund.
Unit trusts
A unit trust is simply a pool of individual investors' money, which buys a range of investments. The trust is divided into units. The number of units you hold represents your share of the trust.
The degree of unpredictable change over a period of time, normally short term, in the investment market.
Retirement income
Annual Allowance
This is an upper limit on the total value of contributions that can be paid to your pension scheme(s) in any one year and benefit from tax relief. HM Revenue & Customs has set the limit for the 2019/2020 tax year as £40,000, which includes your personal contributions, any contributions by your employer and any tax relief on those contributions, across all of your pension savings. Your Annual Allowance will go down to £4,000 if you've flexibly accessed any of your pension benefits. This is known as the Money Purchase Annual Allowance. Your pension provider(s) will confirm if the Money Purchase Annual Allowance applies to you.
If you haven't accessed your benefits flexibly and earn more than £150,000, your Annual Allowance will reduce by £1 for every £2 you earn over £150,000. The maximum reduction is £30,000.
You may have to pay tax charges if you exceed your Annual Allowance.
A retirement product that provides you with a regular, guaranteed income, either for life or for a set period.
Cash lump sum
See Tax-free cash sum.
Defined Benefit Pension
This pays a retirement income based on your salary and how long you have worked for your employer. They include 'final salary' and 'career average' pension schemes, and are generally only available from public sector or older workplace pension schemes.
Defined Contribution Pension
A pension savings product that builds up a pot of money to use for your retirement. It can be based on contributions from you and/or your employer, or a third party. Includes workplace, personal and stakeholder pensions.
Enhanced annuity
If you have certain medical conditions or lifestyle factors, then it could mean that you qualify for an 'enhanced' annuity, which may pay a higher income than a standard annuity.
To be considered for an enhanced annuity you'll need to answer some questions about your health. We may contact your doctor to request a report about your medical condition(s). The conditions considered for enhanced Pension Annuities vary between different providers. That means whether you do or don't qualify for extra income with us, another provider could still offer you more.
Final Salary Pension
Please see Defined Benefit Pension.
Flexi-access drawdown (or 'flexible income drawdown')
Sometimes referred to as 'flexible retirement income', this allows you to use your pension pot to provide a regular retirement income by investing it in funds specifically designed and managed for this purpose. Unlike other solutions, such as an annuity, the level of income isn't guaranteed, and it doesn't guarantee that your money will last until you die. It does give you flexibility to change how much income you take, if any, or to switch to more secure retirement income products at a later date.
Flexi-access drawdown replaced flexible drawdown and capped drawdown from April 2015, though if you're an existing user of capped drawdown, you can continue in that plan.
Flexibly Accessed
If you have taken any cash from your pension savings that are taxable, even if no tax was paid, then you have Flexibly Accessed your pension savings. This means that you will be subject to the reduced Annual Allowance.
If you have taken only your tax free cash, or have only purchased a lifetime annuity, you have not Flexibly Accessed.
Guaranteed Annuity Rate (GAR)
A valuable guaranteed income often offered by your own pension scheme or provider if you take a lifetime annuity with them; it's usually at a competitive rate which may be hard to match by shopping around.
Guaranteed Minimum Payment Period or Guarantee Period
A lifetime annuity will pay you your income for as long as you live. However, you can choose to guarantee that your income is paid for a minimum period from the date your annuity starts. This means that if you die during your chosen period we'll continue to pay your income to your estate or any other person you specify until the end of your chosen period.
Income Tax rates and bands
Income Tax is split into bands and you pay different rates (20%, 40% and 45%) based on these bands. Your pension income is added to your other earnings and then taxed according to which tax band it falls into. If it pushes your overall income into a new tax band you may pay tax on it at more than one rate.
The table below shows the tax rates and bands for the 2019/20 tax year. Tax treatment depends on each individual's circumstances and may change in the future. The Income Tax rates and bands for Scottish residents may be different.
|Taxable income
|Tax rate for most people
|Up to £12,500
|No income tax payable (Personal Allowance)
|Between £12,501 and £50,000
|Between £50,001 and £150,000
|Above £150,000
Where your total income is more than £100,000, your Personal Allowance goes down by £1 for every £2 that your income is above £100,000. This means your Personal Allowance is zero if your income is £125,000 or above.
The rate of increase in prices for goods and services. There are a number of different measures of inflation in use but the most frequently quoted and most significant ones are the Consumer Prices Index (CPI) and the Retail Prices Index (RPI). The inflation rates are expressed as percentages for example, if CPI is 3%, this means that on average, the price of products and services we buy is 3% higher than a year earlier.
Income drawdown
See Pension drawdown
Joint life annuity
Some annuities will give you the option to choose an income for life just for you, or an income for life that continues to make payments to a nominated dependant or beneficiary after you die. This is called a joint life annuity. Choosing this option may reduce the income that you receive.
Lifetime Allowance
There are no restrictions on how much income you can receive. However, if the total value of your pension savings exceeds your 'Lifetime Allowance', as set by the Government, the excess will be subject to an additional charge payable to HMRC. For the tax year 2019/2020 the Lifetime Allowance is £1,055,000.
If you exceed the Lifetime Allowance you pay a charge on the excess amount at 55% if taking the pension as a lump sum or at 25% if you take it as income. The same savings aren't assessed twice, so if you put £2million into drawdowns this will have been tested and the excess taxed at that time and no further Lifetime Allowance charge is due.
If you die leaving untouched pension savings that exceed the Lifetime Allowance - and they have not already been assessed against it - then your nominated beneficiary will be liable for the extra charges on the amount that exceeds the Lifetime Allowance.
The tax you pay depends on your individual circumstances and may change.
Lifetime annuity
A lifetime annuity is a way of using your pension pot to provide regular income that is guaranteed to continue for the rest of your life.
Depending on the provider and the product you choose, there may be different features that you can select. The choices you make will affect how much income you get.
Money Purchase Pension
Please see Defined Contribution Pension.
Pension Credits
Pension Credit is an income-related benefit that's designed to top up any State Pension you may be getting. You can use the View - Pension Credit Calculator to work out how much you might get. More information is available on Gov.uk.
Pension drawdown
Allows you to take an income from your pension scheme while leaving the pot invested. Referred to as flexi-access drawdown under new rules from April 2015.
State Pension
This is a regular payment from the Government that is paid when you reach State Pension Age. The amount payable depends on when you retire and the number of years of qualifying National Insurance Contributions (NICs) you have paid or been credited. You can find out more with the State Pension age calculator.
Tax-free cash sum
The amount of cash that you can take at retirement tax-free. It's usually up to 25% of your pension pot, and is also known as 'tax-free cash', 'pension commencement lump sum' or 'cash lump sum'.
Lifetime mortgages
Arrangement fee
This covers the costs for setting up the lifetime mortgage, and is payable on completion. If you wish, you can add this fee to your lifetime mortgage, but it will increase the amount you owe and interest will be charged on it.
Compound interest
Any unpaid interest charged is added to the amount you owe each month. This is sometimes called compound interest or "rolled up interest".
Drawdown Facility
Our Flexible and Optional Lifetime Mortgages offer you a cash sum as the initial loan. If you choose to take less than the maximum that you're eligible for, you may be able to borrow more in the future, up to the maximum originally agreed.
Early Repayment Charge
The charge you will need to pay if you repay all or part of your lifetime mortgage early, outside the limits and terms that apply.
Further advance
If there is no Drawdown Facility available on your Legal & General Lifetime Mortgage, you may apply for a further advance. This is additional borrowing on top of your existing lifetime mortgage.
You'll have to pay fees, as you did when you first took out a lifetime mortgage, and these are outlined in our current Tariff of Charges.
Inheritance Protection
With our Lifetime Mortgages, you can choose at the start of the loan a percentage of the value of your house to protect for your beneficiaries of your estate when you die. Including Inheritance Protection will reduce the amount that you can borrow with a lifetime mortgage.
Key Facts Illustration
This is a document that your adviser will create, and use to discuss your options, costs and recommendations with regards to a lifetime mortgage.
Lifetime mortgage
A type of equity release, a lifetime mortgage is a way of releasing money from your home without having to move. It's a loan secured against your home which can be taken as a tax-free cash sum or in smaller amounts as and when you need it.
Loan term
The duration of the lifetime mortgage is not fixed. The mortgage lasts until the last remaining borrower dies or moves out of the home into long term care.
No Negative Equity Guarantee
All of our Lifetime Mortgages come with a No Negative Equity Guarantee. It means that you or your beneficiaries will never have to pay back more than the amount your property is sold for. This is provided it's sold for the best price reasonably obtainable and you have met the Terms and Conditions of your lifetime mortgage.
Optional Partial Repayments
You can pay part of your lifetime mortgage off early with no Early Repayment Charge, provided it is within the limits and terms that apply. Making Optional Partial Repayments will reduce the total amount of interest that will accumulate on your lifetime mortgage.
Protected Percentage
This is the percentage of the value of your home that you choose to protect for your beneficiaries when you apply for a lifetime mortgage.
Telegraphic transfer fee
This is charged to cover our costs in transferring your money to your solicitor on completion of your lifetime mortgage.
Valuation fee
This is payable when you apply for a lifetime mortgage and the amount will depend on the value of your home.


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So I have to do another security clearance application again when I get to CFSCE aside from what we did here during Week 3 (I believe)? They didn't provide us a copy for that though.
I see. This is new information to me, to be honest. Oh well... Is there a reason why they opt for an element change? For the time being, I have no plans for an element change unless it will be a disadvantage for my Comm Rsch career.
It's a true purple trade and your uniform has no bearing on where you're employed. Keep in mind 50% of your new trade is locked in windowless boxes in Letrim, so it's a coin flip if you'll even get to 21 EW.
The military isn't really like a James Bond movie where you go for jet training in the morning and then underwater demolitions after lunch.
Define opportunities.Edit: Thanks for the thread merge, didn't want to make a mess of it in my phone.
You'll have opportunities to take specialised courses, go OUTCAN (there's dozens of Cpl-MCpl positions), take language courses, deploy and if you're good enough, to work at some interesting sections. Go to Ottawa if you want the most opportunities as Kingston just won't have as many.
"Tanning Stations on the flight deck"
I was told I was slotted for the next DP1 course starting 18th Sept, but have not heard anything. My BTL coordinator is on leave, so having a hard time getting an answer. It's well past the 30 days prior mark, so is it safe to assume I'm not on it?
Hi everyone. I'm a PLQ qualified corporal in the Reg Force infantry who got injured on the job. I'm about to be medically COT'd and one of the trades that intrigues me is Comms Research. I also have an interest in a few other trades, but from what info there is to be had on this forum and on the recruiting website, I am strongly thinking of putting it as my number one choice. Here's what I think I like about the trade: -- Learning about electronics, computers, and IT systems.-- Opportunity to learn languages -- Opportunity to meaningfully contribute (Hours long outer cordons on brigade field ex's and locker security in garrison were hard to take) -- Data analysis and interpretation (I have the TIOC course and I enjoyed Int data collation; I read a lot in my spare time)Which trade I choose depends on a few competing factors that I intend to weigh and consider carefully. Things I'm looking at:-- What skills I can learn, how frequently I can use them in trade, and what qualifications I could take to civvie street.-- Posting locations. (Preferably someplace in Ontario. In a place whose name doesn't end in __wawa)-- Relative ease of promotion. I was on the cusp of becoming a Mcpl when I got hurt. I expect to work hard on my way back up, but I'm hoping Mcpl is achievable in approximately 5 years and not 8-10. -- Opportunity for deployments. I'd like to use my new skills overseas at least once. WRT Comms Research I know from reading the threads here that locations are primarily Kingston/Ottawa and getting fully qualified can take quite awhile, mostly due to security clearance (I'm already Secret qualified, and the head of security where I'm currently working just submitted a request to bump me to Top Secret. How's an infantry guy applying for that? Well, TIOC course came in handy for my current position).So this is what I'm asking: 1. Am I a good fit for this trade? 2. Is my understanding of what this trade offers correct? 3. Can I learn useful things and still get promoted in a timely manner? 4. Are whatever electronic and computer skills relevant to the job transferable to the civilian market? Other trades that I'm considering: Geo Tech, Cyber Operator, ATIS Tech, AVS Tech. Any and all advice or links or resources are welcome. Thanks.
Also, chances of getting to Ottawa after QL3's?
Really good.Deployments are few and far between right now. Don't count on going anywhere unless we stand up a large deployment like Afghanistan, unless you get a ship posting (which are also very limited).
Ok, thanks. Right on, I am hoping for Ottawa anyway but I do know that is a ways away with the wait for security clearance after BMQ. Unless that wait is not a year or more now.
There is always a long clearance wait for Comms Rsch because of the clearance required to actually do the job. You'll get part of your training done, and then wait on PAT Platoon (or be tasked somewhere) until your higher clearance is approved, then you get put on the next course.


text: Manchester Law Firm Recognised For Increasing North West Stronghold In National Report Chambers Results Praise Manchester Firm 26.10.2011 26/10/2011 The Manchester arm of leading national law firm Irwin Mitchell has been recognised for 'Increasingly making its mark on the North West' amid news that the firm now holds top spot for Personal Injury services in the city, and has climbed the ranks for Family Law services according to an independent publication this week. In the Chambers UK 2012 report, Irwin Mitchell's Manchester Personal Injury team holds the coveted number one spot, whilst the Family Law team has climbed the ladder to claim number two. The Manchester office's growing reputation for providing business legal services was also recognised by Chambers. Head of employment, Ed Cotton, was described as "having the ability to translate legal requirements into realistic solutions", whilst Insolvency Partner, Chris Jones, earned plaudits for handling contentious and non-contentious matters and having a "good depth of knowledge" and an "ability to answer any queries". The Personal Injury team gets a glowing review, with the "highly talented" group receiving praise for "high levels of integrity and expertise" and for the "realistic and forthright advise offered" when handling a full range of personal injury claims. Individuals singled out include the Manchester office's Regional Managing Partner Grahame Codd, who is recognised as being "widely respected in the legal market" for "Impressive handling of a wide range of catastrophic claims". Jonathan Betts is described as an "exceptional talent" praised for managing the serious injury team with "enormous energy". Matt Brown, who "deservedly enters the guide this year", is admired for being "approachable, diligent and client centred". He is joined by Geraldine Coombs, head of the Manchester Asbestos Related Disease team, who is "personable and dedicated." Top ranking expert Elizabeth Tait from the Family Law team, is acknowledged for having a "strong reputation for advice on cohabitation agreements and civil partnerships", is a "wonderful, compassionate, intuitive communicator always looking for solutions." Ros Bever, who bolstered the team with her arrival in May, is acknowledged for being "adept at dealing with complexities of trusts and inheritance claims". In Clinical Negligence, top ranking brain and spinal cord injury expert Lindsay Wise, is regarded as a "hard working, empathetic and deeply committed practitioner". Across the board the Clinical Negligence department, which is ranked third in Manchester, is recognised for its strength in birth injury and delay in diagnosis cases, receiving praise for "high levels of integrity and expertise," and for frequently settling claims in excess of £1 million. Press contact Dave Grimshaw Press Officer 0114 274 4397 Email Dave Tags Personal Injury Serious Injury Family Law Employment Medical Negligence Asbestos Illness Manchester Ed Cotton Chris Jones Grahame Codd Jonathan Betts Matt Brown Geraldine Coombs Elizabeth Tait Ros Bever Lindsay Wise Related articles 16.08.2019Victory For Campaigners As Council Shelve Plans To End Break Time Service 16.08.2019Charity Fundraising In The Bag For Legal Trainee Volunteer Teams 15.08.2019Family Call On Lawyers After Stay At Holiday Village Hotel In Tenerife Ruined By Illness Problems 15.08.2019Campaigner Given The Go-Ahead For High Court Legal Challenge Against Thanet Stroke Unit Closure 14.08.2019Brexit And US Trade Deals 14.08.2019Buckatree Hall Hotel Wedding Illness: Lawyers Welcome Investigation into Issues at Telford Hotel