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Do some research on agency costs and charges before deciding if the company is ready for one. Determine a target yearly plan for advertising if you haven't already. In addition, have a look at what you really are already shelling out for purchased ad space. Can your financial allowance sustain a rise as to what you're spending now? Vietnam has hosted Miss Earth 2010 first month from November 4 to December 4 in Ho Chi Minh City, central provinces of Binh Thuan, Quang Nam and Khanh Hoa. Especially, the coronation night is scheduled to happen on December 4, 2010 at Vinpearl Land, Nha Trang city exceeding 80 beauties nominating for your title. This year's beauty contest witnesses one outstanding black lady originating from South Sudan, Atong de Mach. She has just won the prize for Miss Earth 2010 of South Sudan. The 22-year old student confided that she took part in this competition to get much experience, advertise her country's images and earn friends though Atong knows it really is hard for her being the winner. 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.