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A presentation of the life insurance operations of SEB
- Kathryn Conley
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1 TL A presentation of the life insurance operations of SEB SEB Trygg Liv Visitors address: Sergels Torg 2 Postal address: SE Stockholm Sweden Telephone: SEB Trygg Liv Pensionstjänst Visitors address: Östra Hamngatan 18 Postal address: SE Göteborg Sweden Telephone: Denmark SEB Pension Visitors address: Holmens Kanal 9 Postal address: Postboks 100/0900 Copenhagen C Denmark Telephone: Ireland SEB Trygg Life (Ireland) Assurance Co Ltd 34 Fitzwilliam Square Dublin 2 Ireland Telephone: United Kingdom SEB Life (Ireland) Assurance Co Ltd New Enterprise House High Roads Chadwell Heath Essex RM6 6PJ England Telephone Estonia AS SEB Ühispanga Elukindlustus Tornimäe 2 korrus Tallinn Estonia Telephone: Latvia AAS SEB Dzìvìbas Apdrošināšana Antonijas Street 9 Riga LV-1010 Latvia Telephone: Lithuania SEB VB gyvybés draudimas UAB Jogailos g. 9/1 LT Vilnius Lithuania Telephone: Ukraine SEB Life Ukraine 10 Chervonoarmiyska St Kiev Ukraine Telephone:
2 Contents Welcome to the life insurance operations of SEB 3 SEB Trygg Liv, Sweden 5 SEB Pension, Denmark 8 SEB Life & Pension International 10 Our products 12 Welcome to the life insurance operations of SEB Key financial ratios and profit and loss account 14 The companies of SEB Trygg Liv 16 Divisional management and senior executives 18 Addresses 20 The life insurance operations of SEB is a leading player in the Swedish market and one of the leaders in the Nordic market. Our vision is to also be one of the leading life insurance companies in Northern Europe. We want to create financial security in an uncertain future. By this we mean providing insurance and financial security solutions for the needs and situations that arise in life s different stages for both private individuals and companies. Our products include occupational pensions, private pension insurance, endowment insurance, disability insurance and health care insurance. We want to be seen as an understandable, considerate, sensible pension company which, through knowledge and good returns, provides customers with a pension they can look forward to. The life insurance operations of SEB produced its strongest full-year result ever in A stable trend in our fund values and good cost controls were the main reasons for this fine result. The turbulence in global stock markets in 2007 adversely affected fund values, but a strong performance during the first half year nevertheless led to positive results for the year as a whole. We continued to expand eastward by establishing operations in Ukraine, where we sold our first insurance at the end of the year. We also opened a head office in Riga for international operations. Eastern Europe is where we see our greatest growth potential right now, and our goal is to grow substantially. In all our markets we will continue the work we have begun to create value for our customers. In 2008 we will take a step closer to our vision and enhance operations in every market based on the exciting development our industry faces. Anders Mossberg, President Payment services Charge and credit cards Foreign exchange Sheltered housing Custody services Funds Part of the SEB Group Mortgages Liquidity planning Occupational pensions SEB s offering a selection Venture capital Foundation management Advisory services Welfare insurance Private pension savings Investment management Financing Investment Banking SEB Trygg Liv has operations in ten countries. 3
3 SEB Trygg Liv in Sweden SEB Trygg Liv in Sweden has a complete range of life insurance products for companies and private individuals. Individual products include occupational pensions, private pension insurance, life insurance, disability insurance, health care insurance, rehabilitation insurance and pension foundations. Insurance advice and other consulting services are offered together with these solutions. SEB Trygg Liv is the market leader in Sweden in new unit linked insurance (excluding IPS). Unit linked insurance accounts for slightly over 90 per cent of the company s total sales and nearly 80 per cent of paid-in insurance premiums. Unit linked insurance did not achieve its breakthrough as a savings form until the 1990s, at which point there was already a substantial stock of traditional insurance. Since 1 March 2007 traditional insurance is no longer offered by SEB Trygg Liv. In the last couple of years, however, it has offered unit linked insurance with a guaranteed amount where savings are invested in a special fund. Customers are guaranteed 90 per cent of deposited premiums. Sweden s corporate life insurance market has quadrupled since The strong growth rate has tailed off, however. In the retail market, volume has fluctuated greatly over the years and has been affected by stock prices and changes in tax laws. SEB Trygg Liv s aim is to provide a complete range of life insurance. This means that we must develop and broaden our range of risk insurance (care products). These products cover life situations such as illness, medical care, death and accidents for companies and their employees. At the same time we are seeing that attitudes towards, and demands on, pension advice have changed radically. It is no longer enough to talk about public pensions, pension solutions and occupational pensions. Customers also want help with their financial situation, which includes issues of health and housing. Turn-key solutions for private individuals in Sweden For most people, financial security in old age has three pillars: a national pension, occupational pension and their own pension savings. The national pension system is linked to future growth and demographic trends. Based on demographic forecasts, with an aging population and fewer wage earners supporting more dependents, we anticipate growing demand for individual pension savings. Pension savings are tax deductible within certain limits. SEB Trygg Liv s main product for private pension savings is Individual Pension Savings, IPS, where customers can choose to save in funds, individual securities or a bank account. IPS has no insurance component, but can be complemented with group life insurance. Another possibility is to take out pension insurance. Here the choice is to save in unit linked insurance or unit linked insurance with a guaranteed amount, where 90 per cent of the premium is guaranteed. Since this is insurance, it is possible to add cover for survivors and waiver of premium insurance. With both IPS and pension insurance, the money can be withdrawn from age 55. For those who prefer to take their money out earlier, an alternative can be to save in kapitalspar, a unit linked endowment insurance. The premium is not tax deductible and therefore the money is not taxed when paid out. 5
4 Investing premium pensions The national pension system comprises an incomebased pension, which is managed by the state and indexed to economic growth, and a premium pension, which allows people to invest in one or more of nearly 700 funds offered by the Premium Pension Authority. SEB participates with some 20 funds. For younger people in particular, the difference in pension can be considerable depending on the funds selected, since the premium pension may correspond to up to one third of their future pension. Influencing occupational pensions A significant portion of the future pension comes from occupational pensions paid for by the employer. A growing number of occupational pension agreements contain a component that allows employees to decide how it should be invested. The decision is whether to invest in unit linked insurance, unit linked insurance with a guaranteed amount or traditional insurance, and which company to manage the assets. It is important to understand which alternatives are available, since the difference can be substantial depending on the choices made. Save and invest Saving for financial security is not only important for retirement. For parents or grandparents, saving for children and grandchildren is a way to give them a good start in life. Saving in the kapitalspar endowment insurance product can offer tax advantages. Another possibility for large investments offered by SEB Trygg Liv is Life Assurance Portfolio Bond, an international endowment insurance that provides certain benefits over investments in directly owned shares or funds. Complementing public welfare Increased pressure on the social insurance system has brought the issue of public welfare to the forefront. Many people feel a need to complement with their own private insurance. This includes disability insurance to compensate for loss of income, health insurance to provide faster access to medical care, life insurance to compensate relatives when the insured person dies, or mortgage insurance to allow surviving family members to remain in their home. Offering for Swedish companies Questions facing small businesses include choosing a pension solution for the owners and employees and creating financial protection in the event of illness. Employee absenteeism due to illness affects companies in various ways. To reduce such absences and related costs, SEB Trygg Liv offers the Lönsam Hälsa (profitable health) concept to prevent absences due to illness, as well as rehabilitation insurance and insurance providing compensation for medical care and treatment if illness has already occurred. Simpler administration It is a major advantage if administration of employees insurance solutions is simple to handle. SEB Trygg Liv s occupational pension programme, TryggPlan, requires little effort on the part of the client company and provides considerable opportunities to add different types of insurance cover. The company reports personnel and salary changes to SEB Trygg Liv, which takes care of all the paperwork. For large companies there is a system that allows electronic reporting directly to us. SEB Trygg Liv has online services that allow even small companies to manage a large part of their administration through SEB s website. This creates an even simpler process where the insured s details can be processed immediately. Competitive occupational pensions A large percentage of the occupational pensions covering employees in Sweden are collective plans not open to competition. In contrast, the competitive components are large and important target groups for SEB Trygg Liv and comprise two market sectors: complementary pensions and solutions for high earners, known as ten-pointers. Complementary pensions are the occupational pension component where the employee can choose the investment. The various agreement areas SAF-LO, KAP-KL, ITPK and PA03 have such models. Solutions for ten-pointers are mainly for salaried employees who earn more than ten income base amounts. Provided their employer approves, these employees can in addition to complementary pensions choose insurance solutions for the premiums related to salaries above a certain amount. Pension foundations another alternative Setting up a pension foundation can be an alternative for companies seeking a solution other than insurance for their employees occupational pensions. Interest in foundation solutions has increased over the years, mainly from large industrial groups. Companies looking for advice or assistance in setting up and administering pension foundations can turn to SEB Trygg Liv Pensions Service, the leader in the field. Several contact channels Swedish customers of SEB Trygg Liv can contact us through several channels such as SEB s bank branches, our sales force, independent insurance brokers, SEB Trygg Liv s telephone service centre and our Internet branch. Market shares for unit linked insurance, Sweden New policies Moderna Försäkringar 13.4 (6.7) Danica 3.9 (5.3) Nordea 4.2 (4.8) AMF 3.3 (3.4) LF 12.7 (7.3) Other 0.2 (0.4) SEB Trygg Liv 22.1 (29.3) Skandia 14.1 (15.7) Number of customers (rounded off) 2007 Gamla Liv 528,000 Nya Liv* 118,000 Fondförsäkringsaktiebolaget SEB Trygg Liv 679,000 SEB Trygg Life (UK) 7,000 SEB Pension, Denmark 300,000 Estonia 42,000 Latvia 41,000 Lithuania 45,000 Total number of customers, approx. 1,760,000 * Merged with Fondförsäkringsaktiebolaget SEB Trygg Liv in October Number of employees 1,218 recalculated on a full-time basis Privately funded insurance and pension solutions Sales 1) SEKm 2007 Sweden, incl. IPS 7,253 Denmark 3,040 International (incl. Baltics) 3,395 13,688 Of which Baltics 1,944 Company-paid insurance Sales 1) SEKmr 2007 Sweden 20,426 Denmark 10,561 International (incl. Baltics) 1,072 32,059 Of which Baltics 321 Volumes incl. Baltics SEKm 2007 Sales 1) IPS 1,408 Unit linked insurance 35,416 Traditional life insurance 8,923 45,747 Premium income Unit linked insurance 18,241 Traditional life insurance and disability/health insurance 8,129 26,370 Assets under management Unit linked insurance 136,200 Traditional life insurance and disability/health insurance 272, ,400 Sales Privately paid, incl. IPS 13,688 Company-paid 32,059 45,747 SHB and SPP 8.2 (7.7) Swedbank 10.2 (11.3) Folksam 7.7 (7.9) 1) Sales consist of new insurance business, extra deposits and increases in existing insurance policies. Sales are measured as single premiums + regular premiums x 10. Figures exclude PPM. 6 7
5 SEB Pension, Denmark SEB Pension sells savings, life and health insurance to private individuals and companies. Savings insurance comprises both unit linked and traditional insurance (in profit-distributing companies). Measured in premium income, SEB Pension is the fourth largest company in Denmark, with a market share of around 10 per cent. In the unit linked market, SEB Pension is the second largest company after Danica. Nearly 80 per cent of new business consists of corporate sales. In the retail market unit, linked insurance accounts for 85 per cent of sales, while the corporate market consists to 50 per cent of traditional insurance since some agreement areas do not yet offer unit linked insurance as an investment alternative. The Danish occupational pension market has had an annual growth rate of around 10 per cent since SEB Pension s growth rate in occupational pensions has been per cent in recent years. In the retail market, SEB Pension s performance has followed the general trend, where there has been a lack of significant growth. SEB Pension s assets under management are increasing. In 2007, premiums rose by 11 per cent. Growth has primarily been in unit linked insurance, which rose by 16 per cent in 2007, while premiums for traditional insurance increased by approximately 9 per cent. In unit linked insurance, SEB Pension offers a product called Market Pension for customers who want assistance over time to align their investments with their age and anticipated retirement date. Growth in unit linked insurance is primarily driven by this product. Unit linked insurance dominates the retail market In recent years the retail market in Denmark has not generated much growth, since most people save in some form of occupational pension, which they can also contribute to themselves. SEB Pension s development has followed the overall trend. In the retail market, unit linked insurance including Market Pension is currently the dominant product for SEB Pension in terms of new sales. and is growing in the corporate market as well Although around 85 per cent of employees in Denmark currently have some form of complementary occupational pension, there is still a relatively large need to save more, due to which growth is expected to continue in the years ahead. Only defined contribution pensions are available, but employees can often contribute to their savings by withholding a portion of their salaries. Strong competition in the occupational pension market, coupled with full transfer rights, has encouraged customers to switch insurers. A large part of sales to companies (slightly over 40 per cent) is through insurance brokers, while the rest is handled through SEB Trygg Liv s own sales force and via a distribution agreement with the former owner, Codan Forsikring. Several contact channels SEB Pension has around 300,000 customers. They can reach us through our sales force and our call centre. SEB Pension s call centre responds to nearly 100,000 calls and s from customers each year. SEB Pension s share of the Danish market Premium income 10 % 8 9
6 IRELAND ESTONIA LATVIA LITHUANIA UKRAINE SEB Life & Pension International SEB is a leading player in Estonia, Latvia and Lithuania in life and pension insurance. Life and pension offerings in the Irish operations The operations of the Irish company SEB Life (Ireland), domiciled in Dublin, mainly focus on sales of the international Life Assurance Portfolio Bond insurance (investment opportunities via a custody account), which is available in the form of endowment insurance and occupational pension. Sales are concentrated in the Swedish market. The company has branch offices in Luxembourg, Finland and the UK. The Luxembourg office sells primarily to expatriate Swedes. In Finland, an existing insurance portfolio is managed. In the UK, the company manages a portfolio of unit linked insurance mainly built up in the 1990s at a time when many Swedes saved in foreign insurance. Today no new business is conducted. Life and pension operations in the Baltics and other markets SEB is a market leader in life and pension insurance in Estonia, Latvia and Lithuania. Although the retail market dominates, both it and the corporate market are only beginning to emerge. In Estonia, the offering of life and pension products from SEB Ühispanga Elukindlustus comprises both fund and traditional insurance. The market offers substantial development potential due to steady growth in households ability to save. The Latvian market is developing very strongly, and interest in unit linked insurance has increased significantly in the last year. Unit linked insurance currently accounts for more than 60 per cent of new policies in Latvia. In Lithuania, the offering comprises life and pension products. At first only traditional insurance was available, but in recent years the greatest growth has been in unit linked insurance, where SEB VB gyvybés draudimas UAB was the first to enter the market. Distribution in the three Baltic countries is mainly handled through SEB s local branch offices, though also to a large extent through tied agents and the company s own sales force. Solutions for private individuals in the Baltics In contrast to Sweden and Denmark, the market in the Baltic countries is still in the early stages of development. Potential is high due to improvements in household finances and the easing of tax regulations to encourage pension savings. Today the main segment in the Baltic states is individual insurance. The products sold are traditional insurance and unit linked insurance. Corporate offering in the Baltics The corporate market in the Baltic countries is still in Estonia 28 % Market shares, premium income Percent of total premium income 2007 Latvia its early stages of development. We expect this market to grow, however, as new legislation is introduced that requires employers to allocate provisions for pensions. This area offers major growth potential for SEB s life insurance operations. The products and services offered to corporate customers mainly include unit linked insurance to secure future pensions and various types of life and disability insurance. Start in Ukraine A new life insurance company established in Ukraine in 2007 sold its first policies last autumn. 43 % Lithuania 37 % 10 11
7 Our products People who save in pension or endowment insurance can choose between unit linked, unit linked insurance with a guaranteed minimum value or traditional insurance. Unit linked insurance In unit linked insurance, the customer decides whether to invest their money in one or more funds. This gives them an opportunity to influence returns and select a level of risk. Unit linked insurance works the same way regardless of the country where you as a customer reside. Funds plus insurance Unit linked insurance can be used for investment purposes, private pension savings or a company s pension provisions. Other applications include various types of target and financial security savings. By packaging funds in an insurance solution, people can switch funds without charges or capital gains tax. Such transfers do not have to be reported on income tax returns. The insurance solution also means that different types of insurance cover can be added. Perhaps the insured wants less restrictive form of survivors protection rather than saving without an insurance component. Perhaps they want to guarantee a level of savings even if their finances suffer due to illness. Perhaps the insured wants life insurance which provides a lump sum in the event of death. Range of funds Available equity funds focus on either a region or sector. Regional funds limit their investments geographically from individual countries to the entire world. Sector-specific funds invest in companies that belong to a particular sector regardless of geographic region. One example of a sector fund is SEB Läkemedelsfond (pharmaceuticals). Fixed-income funds move in the opposite direction to interest rates. If rates rise, the value of fixed-income funds falls and vice versa. The shorter the remaining maturity of a fund s fixed-income securities, the less sensitive it is to interest rate fluctuations. This means that a long-term fixed-income fund rises more than a short one if interest rates fall. Fixed-income funds can be listed in different currencies. Exchange-rate fluctuations often affect foreign fixed-income funds more than interest rate variations. Blend funds invest in both equities and fixedincome securities. Funds of funds invest in other equity funds. These funds give customers access to a number of funds that are not available for direct investments, but that the manager feels are the best in their category. Hedge funds have less restrictive investment guidelines than other funds. Investments include equities, bonds, foreign currencies and options. The manager can also leverage the portfolio s holdings. Hedge funds are a way to access exclusive portfolios normally available only to large institutional investors. Varying risk offered by funds The funds have been designed for investors with a widely differing risk propensity. The lowest risk is obtained by investing in a short fixed-income fund, while specialised equity funds take the highest risk. Customers who save in funds with different objectives reduce their exposure to downturns in a specific sector or region. The longer the investment timeframe, the more probable it is that temporary ups and downs will even out. The fund investment service can be added by unit linked insurance policyholders without the time or interest in choosing funds themselves. The customer selects a portfolio based on a desired risk level. The portfolio is then actively managed by SEB Trygg Liv s managers. Fund holdings of largest funds 2007 (incl. Baltics, SEB Pension, Ireland, UK) SEB Världenfond (global) 17.8 % SEB Penningmarknadsfond (money market) 8.7 % SEB Aktiesparfond (equities) 3.6 % SEB Europafond (Europe) 3.7 % SEB Obligationsfond Flexibel SEK (bonds) 3.1 % Total return Gamla Liv 2.7 % 11.1 % Industry average 3.9 % 8.5 % Unit linked insurance with guaranteed amount Unit linked insurance with a guaranteed amount is designed for customers who want the security of a guaranteed return but do not have the time or interest in reallocating their savings among different funds over time. With this insurance, the customer receives a pension savings with a 90-percent guarantee on paidin premiums. Savings are invested in an actively managed fund with the opportunity to take advantage of stock market gains throughout the insurance period. Market Pension The Danish product, Market Pension, is a management concept for customers who do not want the responsibility for choosing their investments and who want an investment profile (risk profile) that matches their age and anticipated retirement date. The proportion of equities and thus the investment risk decreases with age. This product currently is available only in the Danish market. Traditional insurance As of March 1, 2007 SEB Trygg Liv no longer offers traditional insurance in Sweden. If customers in Denmark, Estonia, Latvia and Lithuania choose traditional insurance for their savings, their contributions are invested in something similar to a blend fund. Annual bonus rate Gamla Liv Percent 1 Jan 31 March 9 % 1 April 31 May 10 % 1 June 31 Dec 12 % Annual bonus rate geometric average 5, 10 and 15 years Gamla Liv Percent % % % 12 13
8 Key financial ratios and profit and loss account The companies of SEB Trygg Liv Holding AB Key financial ratios SEB Trygg Liv division SEKm Skandinaviska Enskilda Banken AB Total assets 1) 242, , ,203 Investments, unit linked 136, ,666 95,878 Investments, other 2) 272, , ,018 Shareholders equity 1) 8,836 8,450 7,696 Surplus values 3) 14,496 12,872 10,755 Premium income 2) 26,370 31,082 30,186 The Trygg Foundation 1 SEB Trygg Liv (Sweden) SEB Trygg Liv Holding AB SEB Pension (Denmark) SEB Life & Pension International 1) Holding group. 2) Including Gamla Liv. 3) Surplus values are the estimated present value of future profits from insurance contracts in force. Gamla Livförsäkrings AB SEB Trygg Liv 2 Fondförsäkrings AB SEB Trygg Liv SEB Pensionsforsikring A/S SEB Life (Ireland) Assurance Co Ltd SEB Trygg Liv Pensionstjänst AB Forsikringsselskabet SEB Link A/S CJSC SEB Life (Ukraine) Profit and loss account SEB Trygg Liv division SEKm Income 3,930 3,456 2,966 Expenses -2,128-1,936-1,993 Operating result 1,802 1, Change in surplus values, net 1,264 2,111 2,929 Total result 3,066 3,631 3,902 The companies in the Baltic countries are not listed in the figure since they are only included on an operational basis in the division, not as legal entities in SEB Trygg Liv Holding AB. 1 Policyholders in Gamla Livförsäkringsaktiebolaget SEB Trygg Liv are represented by the Trygg Foundation, which owns one share in the company, and a related shareholder agreement. The Trygg Foundation is entitled to appoint two members of the board and together with SEB appoint the Chairman of Gamla Liv s board, comprising fi ve members, and to appoint the majority of members and the Chairman of the Finance Delegation, which is responsible for asset management within Gamla Liv. Every fi ve years policyholders are invited to vote for candidates to the Trygg Foundation s Council. 2 The companies operate according to mutual principles and are not consolidated in SEB
9 Business units SEB TRYGG LIV SWEDEN Gamla Livförsäkringsaktiebolaget SEB Trygg Liv The operations of Gamla Livförsäkringsaktiebolaget SEB Trygg Liv comprise traditional insurance, primarily pension insurance. The company is closed for new business. It operates according to mutual principles and is not consolidated in SEB. The company s insurance administration and service are handled, against payment, by Fondförsäkringsaktiebolaget SEB Trygg Liv. SEB s Wealth Management division handles the large part of asset management. Policyholders exercise influence through the Trygg Foundation. Fondförsäkringsaktiebolaget SEB Trygg Liv Fondförsäkringsaktiebolaget SEB Trygg Liv is responsible for all Swedish unit linked insurance and unit linked insurance with a guaranteed amount within SEB Trygg Liv and offers endowment insurance, private pension insurance, occupational pensions and disability insurance. On 1 October 2007 Nya Livförsäkringsaktiebolaget SEB Trygg Liv merged with Fondförsäkringsaktiebolaget SEB Trygg Liv, after which the company Nya Liv ceased to exist and new business is no longer written. Existing insurance in the former Nya Liv is managed as traditional insurance in the unit linked insurance company. SEB Trygg Liv Pensionstjänst AB The company dominates the Swedish market for administration and management of pension foundations. Administration services include managing pension commitments from companies, forming, operating and winding up foundations, handling contacts with authorities and providing legal expertise on issues relating to pension foundations. The customer base covers every segment, from small family owned businesses to listed companies and sports associations. SEB PENSION DENMARK SEB Pension SEB Pension, formerly Codan Pension, sells savings, life and health insurance in Denmark to private individuals and companies. Savings insurance is available as both unit linked insurance and traditional insurance (in a profit-distributing company). The main companies in SEB Pension are SEB Pensionsforsikring A/S and Forsikringsselskabet SEB Link A/S. SEB LIFE & PENSION INTERNATIONAL SEB Life (Ireland) SEB Life (Ireland) Assurance Co Ltd, domiciled in Dublin, Ireland, is responsible for sales, service and administration of unit linked insurance and for the international endowment insurance Portfolio Bond. AS SEB Ühispanga Elukindlustus AS SEB Ühispanga Elukindlustus in Estonia sells life and pension products as both unit linked insurance and traditional insurance. Only retail customers. SEB Dzīvības Apdrošināšana SEB Dzīvības apdrošināšana in Latvia offers life insurance as both unit linked insurance and traditional insurance. SEB VB gyvybés draudimas UAB SEB VB gyvybés draudimas UAB in Lithuania sells life and pension products, which account for its largest growth. CJSC SEB Life Ukraine Founded in 2007, the company has started selling life insurance for credits
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text:
Suggested answers: 0) Yes. Have you?
1) No problem, you wretched dogturd. Oh sorry, are you sensitive about being called a dogturd?
2) Why don't you ever filter the stupid shit your brain comes up with?
3) Sh. It's a surprise. Don't ruin it.
4) In a salad, which is the steak, the tomato or the onions?
5) That IS me! Hi cousin!
6) I'm glad my personal life gives you masturbation material. Good for you!
7) I always knew you were a douche! We were BOTH right, huh?
8) Turns out it's not my job to fix your gender ignorance.
9) (Good response, bro)
10) Wow, thanks for explaining ME to ME.
11) They were horribly mangled in a water buffalo attack. But hey, thaks for bringing it up.
12) Waiting for my State to make it legal. My boyfriend's a chick, BTW.
13) Amazing how you can be homophobic AND conceited in one sentence.
14) Please get to know me, don't get to "guess" me.
15) Oh good, because I thought you might stereotype me.
16) You don't call a dude a "she," dude.
17) Would you introduce someone as "my black friend"??
18) When you get home, google "projecting".
19) Oh, I see. It's funny because you said an insult.
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Real Music ringtones are ringtones that came from "real" or actual songs. They use first pieces of music along beside lyrics, scientifically as the ingenious soundtrack. The formatting is normally MP3, WAV, WMA, etc. This characteristic and support for true auditory communication ringtones is being improved into furthermost new models of all but all moving phone box manufacturers. Real Music Ringtones are as well called honorable tones, existing tones, sound tones, exhaustive auditory communication or MP3 ringtones. Not all transplantable phones are skilled of playing existent music ringtones, but if you have the new models furthermost liable your rotatable mobile supports it.
This new inventiveness in the moveable international has greatly benefited the music commercial enterprise. In US unsocial the dutch auction of ringtone reached $500 cardinal ultimate twelvemonth and is targeted to realize $600 this period that is according to ballad maker and music publisher job bevy BMI. Also reported to Billboard ringtone sales reached $4.4 billion monetary unit worldwide closing time period. By comparison, the Recording Industry Association of America (RIAA) aforementioned that gross sales of geographical CDs, cassettes and videos savage 7.6 percentage closing twelvemonth. Those data sensibly show evidence of how touristy ringtones or genuine music ringtones in dedicated are true now.
Real auditory communication ringtones on average gross sales in circles $2.50 to $3.50 per ringtone, and with the quality of concrete auditory communication ringtones I don't see this cost active downstairs. The requirement for existing auditory communication ringtones is immense and ever mushrooming. An engrossing fact roughly speaking this is that the number of helpful users are teenaged citizens. The cushy admittance of unadulterated auditory communication ringtones through with the internet has made ringtone commercial enterprise a big natural event. Before downloading valid auditory communication ringtones from a website, be certain freshman that they are matched beside your handset prototype and, 2d that they can be delivered completed your moving cell phone company's system. You can customarily see this hearsay on the download leaf.Post ads:
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Although true music ringtones are one sold now like hot cakes, there will e'er be a way to get them without doubt disentangled. There are websites that will let you download for nothing genuine auditory communication ringtones in mp3 data format to your computer, you can next travel this unmarried concrete music ringtone mistreatment USB background cable, blueish tooth, split second message, email etc., but nearby is an bring out of lawfulness here. Just resembling all else music, actual auditory communication ringtones are sheltered by copyrights. Meaning, unless the government grant is expired, the original artist is due a royal family for use of their occupation. But of education that is not my subject so let's push on.
You can as well download separated unadulterated auditory communication ringtones from WAP sites, but your animated car phone essential be web enabled or net enabled. This is one of the top-grade way to download unmarried genuine music ringtones directly to your manoeuvrable telephone set. You can hunt for WAP sites that hold out this work on the computer network and vindicatory hunt their schooling on how to get this on the loose material music ringtone to you motorized handset.
You can likewise label authentic auditory communication ringtones from your own auditory communication display. There are softwares on the internet titled "ringtone maker" and are designed freeway to cause ringtones. These softwares are for sale, the prices alter from $10 to $20. Think of it as an investment, instead than purchasing one concrete music ringtone at a example for 2$ you can purchase a "ringtone maker" and receive all the ringtones you necessitate. Before buying one I suggest that you download a sovereign tribulation of the code so you can exam it initial and they of late pay for it former it suits your requests.Post ads:
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text: Politics 25 November 2013 Violence against women doesn't happen in a vacuum The government's predilection for prioritising effect over cause has consequences - we must focus on prevention as well as cure. Sign up for our weekly email * Print HTML The International Development Secretary has trumpeted her work on Violence against Women and Girls. And of course any focus on this vital matter is welcome, but look below the surface and there's obviously a problem: It's still treated throughout government as a 'women's issue'. Today marks the International Day for the Elimination of Violence against Women. Given that one in three women worldwide will experience physical or sexual violence in their lifetime; that, in some countries, violence against women is near-universal; and that the World Bank identifies gender-based violence as one of the biggest health risks facing women – more of a threat to their wellbeing than either cancer or car accidents; given all these issues - it's clear - one day will never be enough. The government have succeeded in raising the status of this vital issue, tackling the often collusive silence that surrounds the debate. This commitment must be applauded. But their approach is fundamentally flawed. In June this year, Parliament's cross-party International Development Committee highlighted DfID's bias towards support services for the victims of violence rather than programmes aimed at tackling the underlying cultural beliefs and social structures thatperpetuate this savage trend. Of 117 interventions listed by DfID, just 16 were aimed at changing social norms. Take a glance at the Department for International Development's (DfID) list of projects aimed at tackling violence against women. Of the 69 projects listed, 'women' and 'girls'mfeature 81 times. 'Men' and 'boys'? Not once. Placing the burden for tackling violence solely on women's shoulders is not only a route to more stress and risk, but (crucially) it won't actually tackle the core cause. And in doing so, implicitly allows violence to continue. All too often, gender inequality, reproductive and sexual health, childcare, and violence against women and girls are defined (and dismissed) as women's issues. Men are the primary perpetrators of violence, and committers of risky sexual and drug-taking behaviour – risks that are all-too-often passed onto their unknowing or powerless wives and girlfriends – but they're habitually missing from the debate. Violence doesn't happen in a vacuum. Since the Tories have come to power, gender activists have become alarmed at a shift in the programmatic approach to supporting women – warning of short-termism and hollow-gesturing. As I wrote recently, the duplicitous nature of a government which promises violence against women and girls is "at the heart of everything they do", whilst devoting tokenistic pots of money to the cause is failing to effectively integrate gender inequality into wider development programmes. It is crucial that we shift the focus onto prevention as well as 'cure': not only are the mental (and sometimes physical) scars of being a victim often 'incurable', but living with the fear of violence can be just as damaging, psychologically and physically, as actually experiencing it. That is the challenge today, as it should be every other. Gavin Shuker MP (@ShukerOffice) is the newly appointed shadow minister for international development, with specific responsibility for tackling violence against women and girls › Applying lessons from self-driving cars to self-driving wheelchairs Street children look on as Indian social activists take part in a rally on the International Day for the Elimination of Violence against Women in Kolkata on November 25, 2013. Photograph: Getty Images. Gavin Shuker is MP for Luton South and chair of the All Party Group on Prostitution and the Global Sex Trade. Subscribe from just £1 per issue More Related articles It's time to recognise the truth - a trade deal with India means concessions on immigration An Irish Sea border – and 3 other tricky options for Northern Ireland after Brexit Labour's Brexit policy is getting lost in translation Subscription offer 12 issues for £12 + FREE book LEARN MORE Close This week's magazine


text:
Photoshop image editing | Change color and add logo on cars | Simple & Fast
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I would need to change the color of a few vehicles in the picture attached and add a few logos. See attachment for instruction. Required output: a modified picture that seems real and not edited.
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text:
F1 Jordan Race Car Part Air Intake?
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Sports
- Source: eBay UK
- Sold Date: Sep 18, 2014
- Channel: Auction House
On offer is this car part believed to come from possibly a Jordan F1 car...... Seems to be a air intake section...... It's made from carbon fibre meaning it's really light with a racing air filter attached to it. Seems to be in the yellow Jordan livery with Honda sponsored decals. �


text:
No. I don't wanna Die?!?!?!?!?!
OMG! Duh! Killing People is what I am Born For!!!!!!
If Somebody I Loved Was in danger. Then Yes
No Comment
Brutal Killer Ready to Fight
A Slow Person on the uptake
A Great trapper
Who Needs Weapons, I Have Fists of Stal and Rocks here.
My Sword and I Have fists of Iron
I'm Strong
Bow and Arrow
I Would have gone if I was not DEAD!!!
No, Brings Back Memories.
No Comment
I was not in the Hunger games


text:
|incl. VAT
|excl. VAT
UltraPhase 1 is a manufacturer hailed as the best system of liquid detergent on the market. Its strengths are the excellent results even when washing at low temperatures. With this detergent so enjoy bright whites and intense colors wash after wash. With automatic dispensing means there is no overdose. The detergent composition is designed for machines with two-component dispensing TwinDos.
Intended for:
Miele washing machine series W1 (130 WKG WPS, WPS WKH 130, WMH 120 WPS and WPS WMR 560)
Table of Contents:
(1,5 l for 37 wash cycles)
Specifications can be changed without notice. Images are for illustrative purposes only. Retail Price (MSRP) means the manufacturer's/supplier's suggested retail price.
Link to Manufacturer's Website: Enter link to the external review


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Jedipeacefrog: You need to tone down the buzz words and jargon. I don't know what "Obamacare" means exactly, but it doesn't involve removing Medicare. So don't worry, gramma will get her new hip. Also, it's not really common practice to use someone's middle name when you reference them (unless there's a father/son junior/senior situation). In this case, I think it implies that you either a.)spend too much time on the internet or b.)equate having a traditionally Muslim name as something negative. Most likely both.
Third way my ass. Max Baucus sold his soul to the insurance companies long ago.


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Guyz Model
miss_astarte_goreModel Female London, England, United Kingdom
My Website: fb pageMy MM URL: http://www.modelmayhem.com/MissAstarteGore
Mayhem # 1325707
About MeI'm Astarte, and I'm an Alternative plus size model from London
I'm open minded to all different types of shoots. I'm very interested in to Horror, fantasy and Cosplay. I'm also interested in broadening my portfolio with different styles, Fashion, Glamor, Lingerie, Body Paint, fetish, Gore, Bondage, Military , Cyber, Vampyric, Location, Studio, Themed, Dom/Submission and Burlesque
I'm willing to get messy in a shoot with fake blood, food etc.
I can do my own hair and make-up.
I am looking to do TF work around the London and the UK
Tattoo's; A Heartagram on my lower back, A rose on my left upper thigh, a small Oriental Dragon on my right lower leg, an Egyptian Eye of Ra on my right lower arm, A small spider on a red web on my left hip and a small Devil's heart on the back of my neck, I have a zombie heart with bat wings on my chest. A black and white horror sleeve on my left arm (in progress).
Piercings; ears plugs (20mm), 3 on my lip and both nipples. I currently have blonde with black bottoms hair, but frequently change by using with wigs and dreads
Ways to contact me:
email: email@example.com
facebook: https://www.facebook.com/missastartegore
I am part of:
Apocalypse Girls
Perfect Storm Models
Morbidly Divine Modeling
Fetish Cult Sirens (Montreal)
Have you worked with miss_astarte_gore? Add Credits for miss_astarte_gore! >>
Credit NotesSo far I have worked with the following companies/ people:
* Neil Salter
* Russ Wiseman photography
* Tony Brown Photography
* i4apicture Photography
* Carolyne Jackson Photography
* A Edwards Photography #1602521
* Urban Slink
*Alternography Emporium #1258810
*biemm photography
*BrokenlogicPhotography #880968
*Paul Moore Photography #799604
*stumayhew #1352857
* Colin Walker
*Brian Southam
*Izzie Von Dizzie Photography
*Spike Richardson Photography
*Zest Art and Photography
*Marcus Fox
The Models I Have Worked With:
*WildChildMaz #1300385
*Hamdir aka Phoenix #539250
*Icki #1539880
*Alexiel Sama #1106187
*Spooky x13x #1644645
*Black Lily #1741042
*Miss Kiss-Off #1610565
*Black Amy #1352365
*Nyx Nephthys #1762429
*ChloeLouiseAmber #1678825
* Alice Bizarre Make Up
Paul Moore: We had a shoot in London on Saturday and Miss Atarte Gore was a very friendly and accomplished model. She posed with confidence and took direction well. I will definitely work with her again.
Hannah Brodrick: Had a great shoot with this lady in London on Sat. She's very chatty and confident and has a lovely generous personality. Had lots of fun :D
Kelly Weight: Had my first AG group shoot with Miss Atarte Gore in London on Saturday. Really great to work with, felt really comfortable from the start. Must shoot with again! :) x
Alexiel Sama: Had my first shoot with Miss Astarte Gore on the 1st May 2010, she has a friendly and open personality with which she made me feel very at ease. Very professional and a joy to work with, would happily work with her again.
Phil Potter: Had a great shoot with Astarte on Saturday, she was very friendly and a good laugh to work with, had some great input and ideas of what to do and I am very much looking forward to working with her again in the near future x13x
Guyz Model
Msho Matz Photographer
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three chairs Photographer
Juan__Chaves Photographer
odunham Photographer
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"One will come out of Egypt" ... "He will promote the great War"
Arafat, the father of modern terrorism...
"You must keep a constant vigilance of prayer, for one will come out of Egypt and cause a great catastrophe to mankind." - Our Lady of the Roses, November 20, 1975
"From out of this land [Egypt] will come number six, completing the reign of the spirits. He will promote the great War." - Our Lady of the Roses, December 31, 1973
Arafat the Monster
Jeff Jacoby reported on November 11, 2004:
The Israel National News reported on October 28, 2004:
Yasser Arafat
Nyquist also writes:
What should be remembered,
what we always seem to forget, is that Russia was the leading sponsor of
international terrorism during the Cold War. Russia trained some of the
world's most notorious terrorists -- from Carlos "the Jackal" to Yasser
Arafat. This week we owe a debt of gratitude to former Romanian intelligence
chief Ion Mihai Pacepa for his Monday column in The Wall Street Journal
Online which clarifies Arafat's Russian connections. As Romania's
former spy chief, Pacepa has read Arafat's KGB file. He says that Arafat was
a KGB agent. According to Pacepa, Arafat "is a career terrorist, trained,
armed and bankrolled by the Soviet Union and its satellites for decades."
Arafat has been stirring the Mideast pot to a boil for years, fomenting anti-Jewish hatred at every opportunity. Charles Krauthammer, in an article in The Weekly Standard, writes:
The characteristic marks of "out of Egypt" and "insanity of sin" fit Arafat perfectly.
Intent on war
The media has also picked up on the apparent fact that Arafat is not interested in peace, but on political advantage:
Arafat rejected former Israeli Prime Minister Barak's gestures for peace, saying that Barak could "go to hell":
He is also seeking cooperation of the Arab world to unite against Israel:
children trained at military camps
Arafat is forming tactical alliances that make it obvious that he is preparing for an all-out war with Israel:
All of this is consistent with past statements concerning the fundamental objective of the PLO, Arafat's organization:
"a murderer and a pathological liar"
Directives from Heaven...
Links...Terror chief claims Arafat died of AIDS, WorldNetDaily, July 12, 2007
U.S. Reds salute Arafat,
WorldNetDaily, November 22, 2004
Arafat the Monster,
Jeff Jacoby, November 11, 2004
Arafat's trail of terror, Newsmax,
November 11, 2004
Arafat and friends in their own words,
Newsmax, November 11, 2004
Yasser Arafat dies at age 75:
Father of modern-day terrorism declared dead in Paris hospital,
WorldNetDaily, November 11, 2004
Arafat: Father of Modern-Day Terrorism,
Israel National News, October 28, 2004
Kremlin terrorists,
J.R. Nyquist,
September 24, 2003
As Israelis debate expelling leader,
Jerusalem Post calls for his death, WorldNetDaily, September 12, 2003
Arafat has given the green light for terror,
Jerusualem Post, August 17, 2003
Arafat sends holiday greetings to Saddam:
Telegram to 'brother-president' asks dictator for help
combating Israel, WorldNetDaily, February 27, 2003
Arafat's Leninist strategy, National
Review, April 22, 2002
Arafat is another bin Laden, declares Sharon July 4, 2001
Sharon brands Arafat 'head of terrorist gang' Reuters, June 25, 2001
Sharon blasts Arafat as murderer, pathological liar Ha'aretz, June 6, 2001
Why Israel must act WorldNetDaily, June 6, 2001
PLO leaders target the U.S. WorldNetDaily, June 6, 2001
Sharon calls Arafat 'murderer and pathological liar' Reuters, June 5, 2001
What is Really Wrong With The Middle East 'Peace' Picture (Center for Security Policy) June 1, 2001
The real Arafat May 10, 2001 by Joseph Farah
Bin Laden joins Arafat WorldNetDaily, April 20, 2001
Ex-NSA op asks Congress to probe Arafat murders April 17, 2001 by Joseph Farah
Palestinian TV urging children to kill May 17, 2001 by David Kupelian
Arafat and the Big Lie February 16, 2001 by Joseph Farah
Is U.S. hiding Arafat murders? WorldNetDaily, January 17, 2001
Mideast Peace? Newsmax, November 4, 2000
Palestinian kids raised for war WorldNetDaily, November 3, 2000
Senior Israeli official says Arafat returning to days as leader of terror organization, Ha'aretz, November 1, 2000
Conflict may spread, Israel warns Europe, London Times, November 1, 2000
Arafat issues call for "defense of holy Jerusalem," Washington Times, November 1, 2000
Temple Mount 'claimed' by Palestinians WorldNetdaily, October 28, 2000
Envoy Arrives in Moscow for Talks, Russia
Today, October 27, 2000
Arafat allies with Jihad, Hamas: Makes tactical partners with militants he once had jailed, International Herald Tribune, October 25, 2000
An open letter to Arafat Joseph Farah, October 24, 2000
Exploiting violent emotions in the Middle East October 23, 2000 by J.R. Nyquist
Arabs declare jihad and agree $1billion aid deal for Palestinians, October 22, 2000
Kremlin puppets and how they work October 19, 2000 by J.R. Nyquist
Is this how World War III begins? October 13, 2000 by Joseph Farah
Myths of the Middle East October 11, 2000 by Joseph Farah
'An irreconcilable hatred' January 11, 2000 by David Kupelian
Home | Introduction | Prophecies | Directives | Order Form | Testimonies | Veronica | News | Photos | Bible | Magazine | Newsletters | Radio Show |
The electronic form of this document is
We encourage everyone to print or email copies of this web page to all the Bishops and all the clergy. Also, send this page to as many people as possible.


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2 years, 7 months
Ruff-House Bulldogs is proud to offer Swan. AKC PUREBREED She is an extremely rare black and white. All our puppies are guaranteed to be healthy and up to date on all shots. Please call Josh, 479-841-0556. I am happy to answer any question about our puppies or about the breed. We raise all our puppies in our home. We are professional breeders with over 5 years experience and sell exclusively to direct buyers.


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Best Of :: Goods & Services
If you haven't seen toddlers sporting Morrissey and Joy Division onesies, and little T-shirts reading "Cure Hair Don't Care," then you probably haven't seen the work of Tiffe Fermaint. She's a mom and owner of Baby Teith, a "line of cosmic, New Wave fashion for babies and kids ages newborn to 14 years old." One look at this clothing line, and you'll swear somebody's kid out there is dressed cooler than you are, donning New Wave and alternative band shirts, shimmering metallic leggings, and spacey prints like galaxy, moon, and rainbow dragons in the form of little dresses, skirts, shorts, and tops. Accessories include psychedelic headbands. Gift cards are available. In addition to boutiques in Texas, New York, California, and other states, Baby Teith can be found around town at spots like Frances, Cheeky Chic Baby Boutique, and Whole Foods Market locations around the Valley.
We know it's officially winter when it's finally time to put on a scarf, park at the AJ's on Central Avenue and Camelback Road, buy a dirty chai from a Dutch Bros. associate who is so busy he doesn't have time to be annoying, and knock out holiday shopping at Crafeteria. Every December, the handmade marketplace brings together around 50 specially selected vendors who set up shop in the Medlock Plaza parking lot for an evening of perusing, live music, and food-truck snacks. Expect letterpress cards, painted paper goods, jewelry, knitwear, toys for kids, and leather items. All of which equates to check, check, check, and check when it comes to that gift list.
If one man's trash is another man's treasure, then Junk in the Trunk is basically the vintage and resale equivalent of the Cave of Wonders in Disney's Aladdin. Seriously, this craft fair/antique mall hybrid takes over WestWorld of Scottsdale and turns it into a Pinterest addict's wonderland. Need an adorable wooden end table with paint chipped in such a way that gives it a rustic charm? Or how about the final Pyrex bowl that completes your Butterfly Gold set? Or maybe you just need one more sassy picket-fence-turned-wall-hanging piece to finish off your entryway. Well, grab those reusable bags, and bring plenty of cash, because Junk in the Trunk has everything you're looking for and a few more things you won't be able to live without.
When people imagine Phoenix, they don't really think of jewelers, carpenters, clothing designers, or leather workers. But, oh, are they wrong not to. Hidden within this desert valley are some incredibly talented crafters, and there's no better place to peruse and choose which maker is your favorite than Phoenix Flea. Thankfully, this "modern market" happens several times per year at different locations throughout the city.
Mall experts that we are, we know that a multi-level, multi-store day of shopping requires a, well, multitude of things. We also know that Scottsdale Quarter has all of 'em. Sustenance? The north Valley spot runs the gamut, with baked goods and caffeine by way of Press Coffee to easy lunches and light fare at True Food Kitchen and a full-blown fancy dinner at Dominick's Steakhouse. Shopping? There's your generic mall fare, including an Apple store, H&M, and Bath & Body Works; rarer finds like Warby Parker, Design Within Reach, and West Elm; and high-end offerings from Intermix and Suitsupply. There are places to unwind with beauty services (Drybar and Dolce), an American Girl store to keep the kiddos occupied, and when you're sick of hauling those bags around, the iPic Theater awaits, with room to mellow out for a few hours while cozied up in its plush seating. What more could you want?
Joshua Hahn and Kenny Barrett have, among other things, stellar taste. So when the duo behind downtown's community garden slash co-op vintage shop GROWop announced that they'd open a new store called Phoenix General, we counted down the days. And boy, we weren't disappointed. An aesthetic departure from its cozy sister shop, the General's scene is more streamlined, with clean lines, simple designs, and minimal frills. That means men's and women's wearables by Bridge & Burn, Hill-Side bandanas, and bags by Yield. More exciting still, Hahn and Barrett have launched an in-house label of covetable T-shirts and cushy cotton separates, with more options to come. Um, also? They carry Ace & Jig, the textile-centered label that makes the kinds of shirts, jumpsuits, and dresses that make you feel like you're on vacation (even when you're at work).


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Sponsored centers in or near Big Bear Lake
Get Help at an Alcohol Abuse Treatment Center in Big Bear Lake, California or Nearby
If you, a friend or a family member uses alcohol to excess, it's best to find alcohol abuse treatment as soon as you're able. As with many addictions, alcohol can eat away at many aspect of your life, and your body as well. Abusing alcohol can damage the liver, pancreas, and throat, lead to high blood pressure and is associated with various cancers. In contrast to many other commonly abused drugs, detoxing from alcohol can actually be life threatening if not done under supervision.
A Selection from the Top US Facilities – Sponsored
There are, fortunately, many Big Bear Lake luxury alcohol abuse facilities that can help even the most serious alcohol addict. If you need help getting in touch with the top alcohol rehab Big Bear Lake has to offer, you can dial our helpline, at no cost at 1-888-744-0069. Helpful advisors are waiting to take your call anytime, day or night.
|Meeting Name @ Location
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Learn More about the Symptoms, Effects and Treatments by Substance
The Alcoholic Treatment Process
Alcoholism Intervention
The assistance of a qualified interventionist is often needed to help the addicted individual realize the damage their drinking is doing to themselves and the people closest to them. Intervention involves having those closest to the alcoholic come together, having a serious discussion about their addiction, and giving them an ultimatum to enter a substance abuse treatment facility.
Alcohol Detox Program
Detoxing is the process of flushing the intoxicants from the body, in this case alcohol. While it sounds simple, there are a number of somewhat unpleasant and serious symptoms of withdrawal that can keep people from getting the treatment they need. Many of these can be medically cared for at most treatment clinics you'll find in Big Bear Lake, CA.
Residential Alcohol Rehabilitation Centers
Executive Big Bear Lake alcohol rehabs tend to have a lower rate of relpase than outpatient facilities, which is one reason why many find them better when attempting to get clear of alcohol. There are many luxury options available for those seeking top-shelf amenities during their stay. 30, 60 and 90-day regimens of treatment are typical for these centers.
Addiction Therapies and Aftercare Following Inpatient Treatment
Keeping free from alcohol is a life-long decision, but for those who feel like they need further help after rehabilitation, addiction therapy is an excellent choice. Through group meetings and counseling, recovering addicts can further improve their support system and get the extra nudge they need to keep on the right path.
What About Luxury Alcohol Treatment Centers?
Luxury alcohol treatment centers in Big Bear Lake have a common goal: your health. If you want the best-quality treatment in high-end accommodations, you should give serious consideration to these clinics. Call our contact our hotline, toll-free if you need help locating the best luxury alcohol clinic at 1-888-744-0069.


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Is lipo good or tummy tuck? (photo)
Doctor Answers 12
Tummy tuck vs liposuction
Liposuction removes fat from between the skin to the muscle wall. A tummy tuck is a more powerful operation which addresses tightening the abdominal wall muscles and removes excess skin. In neither procedure will you gain weight faster or slower. These procedures are not a substitute for a healthy lifestyle and if you do not incorporate proper diet and exercise you can gain weight. Liposuction is often combined with the tummy tuck procedure, however there is a limit to how much can be suctioned due to patient safety. I encourage you to visit with a board certified plastic surgeon in your area to learn more.
Learn more: http://www.camillecashmd.com/body/liposuction.cfm
Gaining weight after a Tummy Tuck or Liposuction
It looks like you would be a good candidate for liposuction. If you have hanging skin in the front of the abdomen, you may benefit from some form of a modified tummy tuck as well. Both of these procedures are body contouring procedures as opposed to weight loss procedures. The ideal patient for liposuction is close to his/her preferred weight but has areas of excess fat that are resistant to diet and exercise. The ideal patient for a tummy tuck is a patient that is close to his/her preferred weight but has excess abdominal skin and/or muscle separation.
After a tummy tuck or liposuction, one does not gain weight back more quickly. As far as combining liposuction and tummy tucks, this can be done to some extent, but aggressive liposuction of the tummy tuck skin flap can be too much trauma to the area and could impact healing after surgery.
I would recommend meeting with a board certified plastic surgeon to discuss what options would make the most sense for your. Best of luck!
Learn more: https://www.robeyplasticsurgery.com/indy-tummy-tuck
Liposuction and tummy tuck
Thank you for your question and photograph.
Neither procedure is suggested for weight loss. These are body contouring and enhancing procedures. Liposuction helps target stubborn fat in areas that you can't seem to lose with diet and exercise and a tummy tuck is mean to tighten loose skin on the abdomen due too excessive weight loss or pregnancy. You would be a good candidate for liposuction of the abdomen, back and hip rolls to help contour those areas but you will need to follow a balanced, healthy lifestyle through diet and exercise to lose weight and maintain your newly sculpted body. I hope this helps. Best of luck in your endeavors.
James Fernau, MD, FACS
Board Certified ENT
Board Certified Plastic Surgery
Member of ASPS, ASAPS, ISAPS, The Rhinoplasty Society, AAFPRS, OTO/HNS, ASLMS, International Federation for Adipose Therapeutics & Science
You might also like...
Tummy Tuck - Am I A Candidate?
Thank you for your question and photo. You appear to be an excellent candidate for a full tummy tuck. The abdominal skin excision and muscle tightening could give you an excellent contour as well as improve the tone of the anterior abdominal wall. Liposuction could be used to better define your flanks and hips at the time of tummy tuck surgery. Please see a board certified plastic surgeon for an in-person examination to discuss the specific details of the procedures. Ask to see before and after photos to get an idea of what can be achieved. Hope this helps!
Learn more: http://www.rottmanplasticsurgery.com/before-after-mini-tuck-and-tummy-tuck-baltimore/
Tummy tucks and liposuction
In modern tummy tuck's, like the suction is part of the procedure as well as tightening of muscles and removal of extra skin. It is not true that you gain the weight back faster with a tummy tuck. Some states, in where problems have arisen from aggressive liposuction cases, have made arbitrary limits on what is safe. Most prudent plastic surgeons would think twice about doing more than 5 L of liposuction at the same time as a tummy tuck anyway. Try to find a board certified plastic surgeon in your region with expertise in cosmetic torso surgery. Best of luck.
Is lipo good or tummy tuck?
Hello Dear, thank you so much for your questions and pictures.
The Tummy Tuck is a procedure to those women that are concerned by the accumulation of fat or by the excess of skin in the abdomen and that not improves despite it diet or the exercise physical. This surgery is particularly useful for women who have hadmultiple pregnancies, after which the skin and abdominal muscles have been relaxed and have not recovered their initial tone. The difference is that when only applies liposuction patients who have excess skin, this will cause more sagging and not be achieved the desired results.
Hope hear from you soon, best wishes!!
Tummy tuck vs liposuction
A tummy tuck addresses three things - excess skin, excess fat and loosened muscle/abdominal wall. Liposuction only addresses excess fatty tissue. I would recommend having a consultation and examination with an experienced, board certified plastic surgeon to determine the best surgical plan for you.
Lipo vs tummy tuck
Neither is performed as weight loss- they address problem areas of fat and skin. A tummy tuck also tightens muscles and removes skin. With both, you should maintain healthy lifestyle to avoid post op disappointment.
Personally, I will only do liposuction of the flanks (love handles) with a tummy tuck for safety and less complications.
An exam and consultation with a plastic surgeon is recommended to discuss your options and expectations.
Learn more: Http://www.drharamis.com, http://www.newjerseyplasticsurgery.com
Liposuction vs Tummytuck
Liposuction is ideal for fat removal in areas unaffected by diet and exercise and a great tool for contouring the body. Tummytuck provides a more dramatic result in patients with redundant skin after pregnancy or massive weight loss and had weakened abdominal muscles. Be sure to consult with a board certified plastic surgeon. Good luck!
Is lipo good or tummy tuck? (photo)
You do not gain weight faster after a TT. As to liposuction there are recommended limits as to how much volume fat can be removed during one surgery. You should review all this with your surgeon.
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.