Write Your Own Consent Order

Consent Orders/Clean Break Agreements The decisions they finalise upon are drafted into an agreement by the solicitor and signed by both the partners. The agreement explicitly states that the decision reached between the partners is final and they shall not make any future financial claim on the other. The couple also fill in a ‘statement of information. ’ and submit it along with the consent order.

This statement contains the details of the income they their place of residence and their future plans pertaining to remarriage, the investment they made, earn. The statement of information is sent along with the consent order to court. The court reviews the agreement and rubber stamps the ones they are satisfied with. Some agreements however, seem lopsided and appear unfair. Such agreements are sent back, unstamped. Either the solicitor is required to furnish further details, or the couple has to attend the court to provide clarifications.

Consent orders or clean break agreements are needed by: but the proceedings are yet to beginThe financial matters have been decided upon, who have decided to divorce, Couples, but the exact division of finances has not taken placeBoth the marital partners want an equitable distribution of the those partners who want the agreement to be final and want no future financial dealings with each other Contents of a Consent Order Consent order contains the agreed amount of financial payment to be made by one partner to the other The decision reached regarding the transfer or sale of the matrimonial homeDetails of division of joint savings, finally, financesAnd, jewellery and other assets of valueDecisions regarding sharing of pension funds, expensive paintings, cars, insurance money, etc. a confirmation that the agreement entered into is final Necessity of a Consent Order Consent order performs the role of an agreement between two divorcing partners and contains vital information regarding payment of child support and other financial agreements entered into, finally, And. If one of the partners fails to adhere to the stipulated the other can go to court to enforce the agreement, and stops paying child support money, conditions. Consent orders also function well in such likely scenarios. Two divorcing people may not have much capital or savings. However, there is a vast disparity in their earning power.

One spouse may be paying maintenance money to the other. After the divorce, if the ex-spouse, (either the husband or the wife) receives a substantial amount of money by to claim a share in the fortune, the other party can go to court, inheritance. The existence of consent/ clean break orders prevents such an occurrence. Protection Offered by Consent Orders Future financial claims lead to acrimony and court battles. This deeply affects the relationship between the ex-spouses.

Existence of consent order helps maintain an amicable relationship. This is important for the welfare of the children as both the partners jointly parent after divorce. An Imaginary Consent Order This is a consent order entered into between a couple who had no children, and had terminated a marital life that lasted just a couple of years. As both of them were teachers, their individual earning capacities were similar and neither had accumulated much capital during their short marital tenure. This is a consent order entered into, between Mr. Jack Holmes and Mrs. Violet Holmes on the date 06. 2007: Mr. Jack Hall and Mrs.

Violet Hall have agreed to equitably divide all the items of value they possessed. Mrs Violet Hall would retain the gold jewellery, while the paintings and silverware would be taken by Mr. Jack Hall. The car they had purchased jointly would be put up for sale and the proceeds would be equally divided. Their joint account that contains a balance of £ 10, 000 would be equally divided between both the partners. This agreement entered into is final and no party shall make a claim on the other at any later date in the future. The agreement ends with the signature of both the marital partners.

Couples who are deciding to divorce should enter into consent or clean break orders. This ensures the long term cordiality of their relationship.

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Breast Reconstruction: What Can Be Done?

Restoration or reconstruction of a breast has greatly advanced since the days of the radical mastectomy. If a woman is a good candidate for along with a nipple and areola, she can usually expect a breast mound that will fill a bra cup to her desired volume, reconstruction, if desired. The opposite breast can be made to match by augmentation, reduction or lifting.

These procedures are covered by insurance, as mandated by law. In addition, significant breast symmetry as a result of lumpectomy/radiation or multiple biopsies can be corrected with reconstructive surgery. The word "can" is used because breast reconstruction is a matter of choice. Some women choose to wear a breast prosthesis with their bra. Others may choose reconstruction, which is not limited to one's age.

The overall health condition and status of the cancer are the issues that determine feasibility. Consultation with a plastic surgeon prior to mastectomy is part of a comprehensive breast care center program. The patient should be fully informed of her options for immediate versus delayed breast reconstruction. The technique (s) recommended are based upon her anatomy, medical background and anticipated future cancer treatments. Decision-making in breast reconstruction begins with the simple question of whether breast reconstruction will be part of the woman's recovery process.

Some women know the answer immediately. Others need days or weeks to decide. Once the decision is made to go ahead with the procedure, the next question is which technique to select. In each case, the decision is based upon surgical preference and which technique will be better in the face of any anticipated treatments of chemotherapy and/or radiation therapy. The two most common types of breast reconstruction are the tissue expander/implant technique and the transverse abdominus musculoctaneous (TRAM) flap.

A third technique is the latissimus dorsi musculocutaneous flap with a breast implant. The table shown here summarizes and compares these techniques. With the plastic surgeon's taking into account the desires, the most appropriate technique can be selected for breast reconstruction, guidance, health status and unique anatomy of the individual woman. The expander/implant technique requires two stages. The first stage of this breast reconstruction is placement of the tissue expander below the pectoralis chest muscle.

This procedure adds less than one hour to the mastectomy time with the same overnight hospital stay. The second stage is the exchange of the tissue expander for the permanent saline or silicone gel filled breast implant. This stage requires general anesthesia, but is usually less than one hour in duration unless a procedure on the opposite breast is added. Breast implants are confirmed safe by multiple medical studies. Both saline and gel filled breast implants were released years ago by the Food and Drug Administration (FDA) to be used for breast reconstruction and for replacement of older or present gel implants. The TRAM flap technique uses autogenous, or one's own tissue to create a breast mound.

This surgery takes an average of five hours in addition to mastectomy completion with the average hospital stay of five days and an average recovery time of five weeks. The abdominal skin above the belly button is lifted off the abdominal fascia and sutured down to the pubic area skin with replantation of the belly button. The four to five week recovery period is necessary to straighten and strengthen the abdominal walls and muscles. Activity levels usually return to the normal, pre-operative status. The latissimus dorsi flap with implant is usually used as a salvage technique in the face of previous radiation or surgery. The flap consists of the latissimus muscle with an overlying skin paddle from the back.

It usually requires a breast implant to obtain the desired breast shape and volume. The implant is placed below the latissimus muscle after the muscle is passed onto the chest wall through a tunnel at the base of the axilla (underarm). It is a useful reconstructive technique in the face of irradiated breast skin with deformity after lumpectomy and a lack of an adequate volume of abdominal fat. Nipple areolar reconstruction can be performed at the time of the second stage reconstruction. Or, it can be done as a separate procedure as an outpatient under local anesthesia. The skin on the breast mound is the source of the nipple reconstruction with a full thickness skin upper thigh skin used for the areolar reconstruction, usually from the inner, graft.

This skin is usually textured and pigmented resulting in a realistic appearing areola. An extensive and detailed consultation with the plastic surgeon is mandatory for a patient to be truly informed and guided to make the best decision about breast reconstruction in conjunction with the treatment recommendations from the breast surgeon and oncologist.

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Cheap Car Insurance Quotes And Low Cost Auto Rates Can Save You Money

Today if you're a smart consumer, you will search for the best low cost auto insurance or cheap car insurance rate especially now when insurance rates are not as low as they used to be. It's not only smart but absolutely necessary to seek out the lowest possible vehicle or car insurance quote. Most car or auto insurance companies offer a wide range of policies and plans to their policyholders and therefore can offer discounts and free online cheap car insurance quotes. If you're just starting to look for cheap car insurance quotes, you'll want to compare both long established and newer insurance companies for cheaper rates.

The new auto insurance companies are competing for your business, but of course they don't have a long term history to back them up. Auto or car insurance rates and quotes are never going to be identical for each company. There are many variables in insurance plans. Make sure to find out all you can about the company you've selected. Check online for customer car insurance reviews and ratings but keep in mind that negative reviews can happen with any auto insurance company. You want to make sure you find out exactly how much your deductibles will be and any conditions attached to them.

Keep in mind that insurance companies change their rates from time to time so the quote you got yesterday may not be good today. Many insurance companies will offer lower or cheaper insurance rates or more affordable budget rates than others with the same type of policies. You'll want to make sure that you have full quality coverage or at least the coverage you basically need in your insurance policy. Make sure the insurance agents will be easy to contact at their office or home. If buying insurance online, find out how easy it will be to contact your agent over the Internet. You want to make sure to compare all the cheap car insurance quotes that you do get.

Some may be very similar to each other but some of the quotes could be quite a bit different. In the U. S. many insurers offer a good-grade discount to students who have a good academic record. They may also have resident, student discounts to those who live away from their home. And senior drivers are often eligible for retirement discounts reflecting the lower average miles that are driven by this group. Women drivers can get discounts from some companies. Make sure to check out the online, discount car insurance brokers who can give you fast online cheap car insurance quotes to compare from several different companies.

Of so keep the kids quiet so you can concentrate on your driving, avoiding accidents will keep your insurance costs down, course. You can keep them busy with quiet car games kept solely for this purpose and give rewards for good behavior. In general, insurance premiums tend to become much lower at the age of If you don't have a very good driving record you might not be able to get the insurance deductible you want. Make an attempt to focus on trying to turn your driving record around to further lower your insurance costs. And if you've always been with one company, don't assume you're getting the best insurance rate. Compare the features and get quotes from other several companies.

But sometimes longevity will play a part so make sure that you aren't giving up the long history you may have with a good workable insurance company rather than going with the cheapest quotes. If you haven't had any automobile accidents that were your fault and you're a good driver, then consider a higher deductible. You would pay out a larger sum of money in the event you have an accident that's your fault but you would save on your monthly or quarterly insurance premium. Several car insurance policies or plans are based on a reasonable estimation of the annual average projected distance expected to be driven with figures provided by the insured. This low mileage discount benefits drivers who only drive their cars now and then.

Make sure the car insurance company you select offers excellent, quality low cost and cheap rates of auto insurance and a high level of customer service. These are just a few of the best tips that can help you understand discounts, save money on your auto insurance and give you an idea what to look for when you're getting a cheap car insurance quote.

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Identity Theft Occurs All Around The World

Victims of identity theft are not limited to Americans. It is a crime that affects national economies all over the world and in some cases is a more serious concern than national security or even the war on terror. The Federal Trade Commission recently reported a loss of approximately $50 billion dollars annually in the United States. In the United Kingdom, the Home Office estimated the cost of identity theft (known as identity fraud in most other countries) as approximately $3. 2 billion dollars over the last three years.

The Australian Centre for Policing Research estimates the costs of identity theft to individuals to be at $3 billion each year. Citizens of the UK can request a copy of their credit report from the three major credit reporting agencies of Callcredit, Experian or Equifax to monitor their credit. But, in the UK those who discover they have been victims of identity fraud must first attempt to resolve the disputed credit through the lending agency and then if unsuccessful report that they dispute certain information on their credit report. This makes it much more expensive and time consuming for victims to resolve identity fraud. Spyware is the most often used information gathering tool in the UK. Approximately 91% of all computers are estimated to have been affected by spyware. The most common forms of identity fraud are not necessarily those involving health services, but it has been determined that personal information is being used to obtain fraudulent passports, credit, driver’s and other forms of government benefits, money laundering, licenses.

In Canada, identity fraud is one of the fastest growing crimes. The credit agencies of TransUnion and Equifax report 1800 Canadians file complaints every month. Other common forms of identity fraud in Canada include the obtaining and use of Social Security benefits (Social Insurance Numbers). The Canadian government reported that there are approximately 4 million more social insurance numbers than there are actual Canadians. This brings into question the security of the social benefits systems, as well as the security of the full amount of money lost to the government through this abuse. Can identity fraud be more frightening than terrorism? In and Hong Kong, Malaysia, Singapore.

It is. Many and the government have placed tighter security measures on the release and use of personal and financial information, businesses, banks, citizens still feel threatened by identity theft. In these countries, the most common form this crime takes is the abuse of credit/debit card theft. Next in most frequent theft results are fraud that occurs as a result of online shopping and/or bill paying. The most frequent information gathering tool in these countries is the use of Trojans and spyware, with an estimated 20% of people affected through these systems. Twenty five percent (25%) of reported frauds in Australia involve assuming a false identity.

A study of birth certificates indicated that 13% of the sample resulted in false or inaccurate information. One popular method of obtaining information to establish a new identity in Australia is the use of “identity kits, ” easy to purchase of such high quality that it is easy to fool people. Banks report that a loss of approximately $25 million dollars has occurred s a result of identity fraud. In 2007 it was estimated that approximately 2 million Australians have had their personal information stolen and used fraudulently. A poll conducted in 2007 indicated that 87% of Australians were more "concerned about identity theft" than terrorism. This crime is not limited to the United States, but statistics do indicate that the US has some of the highest ranking incidences of identity theft.

There could be several reasons for this: either it does not occur at the level it does in the US, other countries simply do not keep or report the information United States does and the differences in terminology may cause confusion. It is clear that identity theft is a global how do some countries have such a low level of incidents compared to the US? There are five reasons why the US residents and citizens may be at a higher risk for identity theft, however, problem. Social Security numbers, though issued by other names in many countries are not used for a catch all identifying number. Account numbers are used to indicate identity, and those are issued by the credit agencies or businesses making it more difficult to have access to personal information. There are laws in many Western European countries that prohibit the or releasing your private, selling, sharing, personal, or financial information. therefore information in the US is more likely to be accessible, in the US it is a common practice for marketers to obtain mailing list and other information from many different sources, However. Credit reports are designed differently in many other countries.

In France, Spain and Denmark only negative information may be reported. In many other European countries credit information is limited to specific banks that have been approved to have access to the information. In the US, access to credit information is far too easy to obtain and it has more information than we may wish to have available. In many other countries credit cards are not used on a regular basis for purchases. For the majority of Europeans, a debit card is used limiting not only the purchase power to the amount in their bank but limiting the use of the card by others. Credit cards are also more difficult to obtain.

In the US credit cards use a magnetic strip with the account information imprinted on it, making it easy for anyone with a “skimmer” to find out the account number for the card and use it. ” that uses a computer chip that requires a pin code to be accessed, many European countries utilize a “smart card, However. In France, since the introduction of the smart card identity fraud has decreased by 50%. No country has been able to eliminate identity theft, and while the methods for obtaining information changes it does not stop identity thieves from finding ways to obtain personal and financial information. One fact is clear. Identity theft is a top concern among many nations. With this being the circumstance. Businesses and government must continually change their habits to keep their information safe, banks, citizens.

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