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Awkward

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Awkward

meow chin and some awkward.m4v Fuzzy Blue Lights – Owl City (Cover) Wednesday: Martha, My Dear RedHead_PinkLip says: RT @KayNiicole : That awkward moment when you don't know if you should be mad, sad or disappointed..or just walk away..

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Agt

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Agt

America’s Got Talent~ Silhouettes Top 48 Silhouettes- AGT America’s Got Talent~ Daniel Joseph Baker Top 48 FunnyPeopleFans says: #whendiditbecomecool To vote out @FunnyLilPeople on the first live show of # AGT ??Oh right,It didnt.

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Horse Head Mask

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Horse Head Mask

Type: Toy Title: Horse Head Mask See all customer reviews Product Description: We’ve discovered yet another universal truth – a person wearing a Horse Head Mask looks downright disturbing. But don’t take our word for it, wear this latex mask with realistic fur mane to your next social function and watch as people scramble to avoid you! Fits most adult heads. Bagged with illustrated tag. Features: NEW HORSE HEAD MASK See the details

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Pension savers switched to new products to generate commission

Financial advisers get up-front fee – even where transfers or new pensions are inappropriate – Consumer Focus finds Consumers are being “churned” into different pension products, often with higher charges or risks, to generate commission for their financial advisers, according to Consumer Focus. The consumer champion says much of this churn is not appropriate and could leave consumers worse off in retirement. The report said that in every case where a pension was transferred or a new pension taken out the adviser received an up-front payment. In the cases it looked at where the fees and value of the pension pots were outlined, the average value transferred was £33,400 and the average fee £1,552 – the equivalent of 4.6% of the value of the fund. Consumer Focus is urging the Financial Services Authority and pensions minister Steve Webb to act to improve the personal pensions market and protect consumers from making a costly mistake with their retirement savings. In its report, Consumer Focus also criticised the trend for products to pay ongoing fees, or trail commission, to advisers, even if they had not reviewed a customer’s investments. The report found that pension companies paid between £200m and £800m in commission a year, of which an estimated 25% was trail commission. Deducting this from investments resulted in the saver ending up with a smaller pension pot. The report also found that disclosure of costs and charges was complex and opaque, making it virtually impossible for consumers to shop around or know what represented good value for money. Christine Farnish, chair of Consumer Focus, said the investigation showed “that practice in the individual personal pensions market still leaves much to be desired”. She added: “The complexity of costs and charges, despite years of work by regulators on disclosure, make it all too easy for savings that should be going into a pension pot to be siphoned off in costs and charges. This complexity makes it impossible for consumers to judge price, and shop around for a good deal as they would in other markets.” Farnish called on the FSA to “get a grip on this market” and asked the government to review its policy on transfers into the new National Employment Savings Trust (Nest) scheme. The scheme, which will to be introduced next year and into which workers will be automatically enrolled when they start a new job, will not allow transfers in. However, Consumer Focus said this needed to be rethought. “Allowing basic-rate taxpayers with small pots to transfer into Nest would help around 2 million modest earners to build up bigger retirement savings, and prevent unfairness from developing between new savers and people who bought private pensions before Nest was available,” it said. Ros Altmann, director general of Saga, believes transfers have been blocked as a sop to the private pensions industry: “If Nest is allowed to accept transfers, there will be more of an incentive for private firms to improve the way they behave, but so far the government has bowed to industry pressure and stopped transfers into Nest, for fear that too many private companies will lose this lucrative business.” However Tom McPhail, head of pensions research at advisers Hargreaves Lansdown, has taken issue with some of the group’s recommendations. “Not all the recommendations in this report would improve investors’ chances of achieving a decent pension. Most of the necessary reforms are already in place: they should be allowed to work through the system before any further tinkering is contemplated.” McPhail said that while Consumer Focus was right to say trail commission should not be paid where there was no ongoing service, scrapping it entirely was not the answer. “Trail commission on pension contracts is there for a purpose, it is intended to reward an intermediary for servicing an investor’s retirement saving arrangement,” he said. “Scrapping trail commission altogether is not the answer because consumers still need ongoing support in planning and managing their retirement savings.” Pensions Retirement planning Financial advisers Family finances Retirement age Work & careers Hilary Osborne guardian.co.uk

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Cameron refuses to deny discussing BSkyB bid with News International

Prime minister says never ‘had one inappropriate conversation’ in relation to Rupert Murdoch’s BSkyB bid The prime minister has refused to deny that he discussed the BSkyB bid with senior executives at News International since the election. Pressed on the issue following a Commons statement on the phone hacking scandal, David Cameron would only say: “I have never had one inappropriate conversation.” The prime minister added his cabinet secretary had ruled “very clearly” that no ministerial code was broken in relation to the BSkyB merger and meetings with News International executives. “The cabinet secretary has ruled very clearly that the code was not broken – not least because I had asked to be entirely excluded from the decision,” he told MPs. He said he had taken himself out of any consideration of the BSkyB bid and, “unlike Labour”, he had set out all his contacts with News International in the interest of transparency. Cameron also expressed regret at hiring Andy Coulson as his director of communications in light of the “furore” that has ensued in the phone hacking scandal. In a statement to update MPs on action taken in light of the slew of allegations that have surfaced in the last week, the prime minister said he would tackle the questions raised about allegations relating to his office. He vowed to “clear up the mess” and urged MPs to avoid “petty political point scoring” and focus on “concerted action” to sort things out. Cameron was under pressure to explain a number of decisions emerging from Downing Street that have surfaced over the last few days. He defended the decision of his chief of staff, Ed Llewellyn, to refuse a police briefing on the investigation as “entirely appropriate”, and insisted he learnt only three days ago that Neil Wallis, the former deputy editor of News of the World, had advised Coulson before the general election. In his most contrite comments to date over the controversial decision to take the former editor of the News of the World with him to Downing Street, Cameron told MPs that if it turned out Coulson had lied to him about whether he knew about phone hacking at the now defunct tabloid, he would not hesitate in issuing a “profound apology”. While he believed everyone to be innocent until proven guilty, he added that if Coulson – who quit Downing Street in January – had lied, he would have lied not just to him, but the police, select committees, the press watchdog and the courts, and could expect to face “severe criminal charges”. He added: “On the decision to hire him, I believe I have answered every question about this.It was my decision. I take responsibility. People will, of course, make judgments about it. “Of course I regret [it] and I am extremely sorry about the furore it has caused. “With 20:20 hindsight – and all that has followed – I would not have offered him the job and I expect that he wouldn’t have taken it. “But you don’t make decisions in hindsight; you make them in the present. You live and you learn – and believe you me, I have learnt.” He said the Conservative party chairman had gone through the accounts and confirmed that neither Wallis nor his company had “ever been employed by or contracted by the Conservative party – nor has the Conservative party made payments to either of them”. On claims that Wallis provided Coulson with some informal advice on a voluntary basis before the election, Cameron said: “To the best of my knowledge I didn’t know anything about this until Sunday night.” He later added that he did not know Wallis had been contracted to work for Scotland Yard. The prime minister also rallied to the defence of Llewellyn over claims made yesterday by outgoing senior Scotland Yard officer John Yates that he had turned down an offer to be briefed on the police investigation. He said there would have been “justified outrage” if he had done anything else. “Ed Llewellyn’s reply to the police made clear that it would be not be appropriate to give me or my staff any privileged briefing,” said Cameron. “The reply that he sent was cleared in advance by my permanent secretary, Jeremy Heywood. “If they had done the opposite and asked for, or acquiesced in receiving privileged information – even if there was no intention to use it – there would have been quite justified outrage. To risk any perception that No 10 was seeking to influence a sensitive police investigation in any way would have been completely wrong.” Cameron also named the panel of independent experts who will help Lord Justice Leveson examine media practices in the wake of the phone hacking scandal. They include Shami Chakrabarti, the director of human rights group Liberty; former Daily Telegraph and Press Association journalist George Jones; former political editor for Channel 4 News Elinor Goodman; former chairman of the Financial Times Sir David Bell; Lord David Currie, former chairman of Ofcom; and former chief constable of West Midlands police Sir Paul Scott-Lee. The inquiry will look at the phone hacking scandal specifically but also at broader issues involving politics, the media and the police,and is expected to report within 12 months, said Cameron. “This public inquiry is as robust as possible,” the prime minister said. “It is fully independent.Lord Justice Leveson will be able to summon witnesses under oath.” David Cameron Phone hacking News International Newspapers & magazines National newspapers Newspapers BSkyB Television industry Conservatives Hélène Mulholland guardian.co.uk

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Captain America & Super-friends Attend Premiere

Samuel L. Jackson, Robert Downey Jr. and Chris Hemsworth welcome Marvel’s latest super-hero, ‘Captain America’ star Chris Evans, to the ‘Avengers’ team at the film’s LA premiere. (July 20)

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Japan’s Crippled Nuclear Plant Reaches Stability

The crippled reactors at Japan’s tsunami-hit nuclear power plant have reached stability more than four months since the disaster. The focus now shifts to the removal of spent nuclear fuel. (July 19)

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Sony Alpha NEX-C3 review

Traditionally known as DSLRs, interchangeable lens cameras (ILC) have always promised excellent image quality, speed, and versatility. But their enormous size and weight, lofty price tags, and intimidating design have forced casual photographers to focus on compact and superzoom point-and-shoot cameras instead, often leaving those bulky, confusing monstrosities to the pros. Enter mirrorless models, which scrap an optical viewfinder in favor of shrinking both body size and price tag, have provided the rest of us with a welcome mat to the world of powerful sensors, high-speed shooting, and swappable lenses — with relatively little sacrifice along the way. The 16-megapixel Alpha NEX-C3 builds upon the successes of its predecessor — the NEX-3 — sporting a slimmer body and redesigned APS-C sensor. It also adds a reported 20-percent boost in battery life, improved low light performance, and a slimmer, more attractive design. We spent well over a month using the NEX-C3 as our primary camera for product shoots, trade shows, hands-on videos, and vacations, and were blown away by its performance as both a versatile still snapper and a powerful video camera. It’s important to note that while the C3 does capture 720p video, it can’t shoot in 1080p, so you’ll need to look elsewhere if you need full HD. Like all mirrorless cameras, there’s also no optical viewfinder, nor is there a traditional hot shoe. Instead, Sony included the same propriety connector found on the NEX-3 and NEX-5, enabling connectivity with a dedicated external microphone and a limited variety of external flashes, including the compact strobe that ships in the box. While some photographers may find the NEX-C3 inadequate for their needs, we absolutely loved shooting with it, and we think you will too. Jump past the break to see why. Gallery: Sony NEX-C3 review Continue reading Sony Alpha NEX-C3 review Sony Alpha NEX-C3 review originally appeared on Engadget on Wed, 20 Jul 2011 08:00:00 EDT. Please see our terms for use of feeds . Permalink

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T-Mobile unveils flexible new Value plans: unlimited talk, text, and / or data for any device

We’ll give T-Mobile credit, it isn’t afraid to shake things up to try to gain ground on Big Red and Ma Bell in the cellular arms race. Mere months after rolling out new prepaid options for its customers, T-Mo is bringing Value plans to the people. These new plans come in various configurations, but all are available with any of the carrier’s phones, tablets, or broadband accessories. In exchange for a two year commitment, you get 2, 5, or 10GB of high speed data, with limitless websurfing at slower speeds. Full pricing hasn’t been announced, but we do know you’ll be able to get two lines with unlimited talk, text, and 2GB of data for $100, while the data alone will run $20 per month. Sound good? Well, the plans go live next Monday, so you’ve got plenty of time to read up on your options in the PR after the break. Continue reading T-Mobile unveils flexible new Value plans: unlimited talk, text, and / or data for any device T-Mobile unveils flexible new Value plans: unlimited talk, text, and / or data for any device originally appeared on Engadget on Wed, 20 Jul 2011 06:47:00 EDT. Please see our terms for use of feeds . Permalink

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Angel

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Angel

CHRIZ Y ANGEL 天氣女孩2011-07-19 Angel Cute angel dress up TGAProgram says: The death for americans keep going up in mexico. Allow the Traveling Guardian Angel to travel w/u for safety. http://on.msnbc.com/n6LPNv

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