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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. Taylor Lautner is better recognized for his portrayal of Jacob Black within the Twilight film series. Lautner presented the Best Female Video award to Taylor Swift with the 2009 MTC Video Music Awards. He is also one of several youngest celebrity hosts of the Saturday Night Live in the show's history. At present, he could be the very best paid teenage actor. Karaoke is a lot more popular than ever and millions of fans around the world are jumping on the bandwagon for the most popular revolution in personal musical entertainment ahead along in decades. After all, who doesn't imagine as a famous singer? With Karaoke, even the least talented crooner has a chance for that big "moment" beneath the spotlight when everything all comes together. If you have a PhD in music, you will possess the ability to become obtain tenure. Tenure typically takes seven years. However, the huge benefits are worth the difficult work. Tenured professors are protected against being fired. In other words, tenure is financial to protect music professors'or any professors.