how great thou art ENDOWMENTS: Perhaps in addition to pensions essentially the most widely recognised of mis-selling issues. Once again Lloyds TSB was fined a record ?1million in December 2002 from the FSA with the bank setting aside ?165 million to pay between 42,000 and 46,000 policy owners (averaging ?4000 per policyholder). The mis-sold endowment mortgages occurred between 1995 and 1999. As well as the Abbey Life arm of Lloyds TSB also involved were other providers identified by the FSA including Royal London Group, Royal Scottish Assurance (portion of RBS), Scottish Amicable, Royal and Sun Alliance and Winterhur. An estimated 430,000 homebuyers were in receipt of the total of ?1bn in compensation. In June 2005, the Financial Ombudsman Service (FOS) revealed it turned out receiving 1,300 endowment mis-selling claims per week. Widespread unsuitable recommendations of mortgage endowments were made to unsuspecting consumers, again these hints being driven by large commissions. I've long made a joke that credit cards are evil. But that's far from the truth. When a person who is responsible using money runs on the plastic card responsibly, credit cards are not evil whatsoever. Try leasing a car or creating a hotel reservation with no charge card. Credit cards offer a degree of protection whenever you make purchases. For instance, if you buy something online, and you are unhappy by it, or it's rarely sent to you, you will find the choice of disputing the charges in your credit card. It can shield you from lots of the possible risks of purchasing something from a mysterious company. Your female led relationship is not really a shock to people anymore. It is becoming more and more accepted that ladies like to assume control, and truly are better at setting up a relationship work. Women appear to be better at communicating, better at showing their feelings, and recognizing what men want. But even just in a female led relationship, we are able to all use some the help of hour and hour. Project Management is gaining momentum in the industry sector. This isn't unintentionally. It is an increasingly important a part of owning a successful business, especially in today's harsh economy. In this series, I will highlight the reasons why project management is a vital - even vital, section of owning a business today. Not only does the need for project management permeate corporations and big business, but it's pivotal on the success of small businesses, consultants and freelancers struggling to get into competition. Trimming the Fat in Your Supply Chain: While look at has potential supply chain issues, companies that provide manufacturing and production, retail and distribution, or supply intensive services like health care, less complicated more vulnerable to problems that can delay the arrival of supplies. Fortunately, it comes with an advanced Lean system called Kanban that will help you address and correct your supply chain issues. Get 3 Lamps The last thing for you to do when animating is use "daylight". Animating under sunlight is often a disaster. Why? Well sunlight changes second by second because of shading from clouds or simply just over the morning with regards to position. Thus whenever you are taking a snapshot to your stop motion lego animation the lighting will have changed. The light levels won't be apparent for you but when you take part in the animation back you will note what appears to be "light flicker". This is very distracting on the viewer. So to counteract it you'll want to filter out daylight to a large extent and rehearse artificial light. Three standard desk lamps is adequate nicely. Place them strategically around your set and maybe use some paper to dampen down or reflect the harsher lamps to soften the appearance and get away from light glare.