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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. Another thing will be the urgency that phones bring to our lives. For example. If I have a message while driving. I have this gravitational pull towards my phone then in no time, there it can be again, in my hand. The PHONE.I mean what's so interesting on the phone that we are prepared to put our lives and others at danger, just to browse the next Whatsapp or Facebook message. It can wait till later surely. Beaches with blue water, sunshine, wind, pristine as well as soaring rows of palm trees always provide great inspiration for music video makers. The cool sceneries of seas are already the prefect backgrounds for numerous music videos. In fact, beautiful beaches in Miami and Malibu have appeared as the stunning backgrounds in music videos of famous singers like Britney Spears, Beyonce, Will.I.Am, etc. and they've became the locations to film music videos with romantic and stunning views. This attitude of the mass population has led the foundation of some unique business ideas such as opening a luxurious Food Franchise to facilitate general public with comprehensive hospitality and quality food. For example, Box-O-Burger one of the leading brands that offer delicious and yummy burgers to consumers and in return get compliments for world class services from customers. Are you late for everything or simply the main things? Are you late for coming to things or are you late for deadlines or both? Why are you currently late? How are you feeling if you are late? What affect does your lateness placed on your lifetime? How does your lateness affect your relationships online websites? How does your lateness affect other people's plans? What would you get rid of being late? Do you wish to increase your lateness?