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With Halloween just a few weeks away, thoughts are turning to costume ideas.If youre bored of dressing as a cat trans sex video and tired of transforming yourself into a red devil, Millie Mackintosh has provided some garish inspiration.The former Made In Chelsea star, who usually oozes glamour, is almost unrecognisable as she transforms herself into a terrifying zombie for a photoshoot – escort girl and shes shared the tricks behind achieving the look with FEMAIL.Scroll down for video 
Halloween inspiration? Former Made In Chelsea star Millie Mackintosh was transformed into one of the undead to help celebrate the imminent season five launch of The Walking Dead and now shes shared her tips for getting the look at homeI usually enjoy looking glamorous so it was really fun to get into character as a zombie walker The Walking Dead TV show, said Millie.People wouldnt expect me to get made up to look ugly so it was really fun to do. 
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The fashion designer has traded her usual glamorous look for blood and gore after uniting with NOW TV for the startling makeover, which saw her transformed into one of the undead, in anticipation of the new series.With her face slathered in ghostly white foundation and smeared with fake blood, Millie, 25, a self-confessed fan of the hit show, posed for a series of fun shots. The painstaking steps involved in transforming the reality TV star took professional make-up artists more than three hours to complete – and the results were undeniably impressive. 
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While we're impressed by the incredible make over it's not a make-up style we'll be trying. We would, however, like to copy the rest of Millie's look. The ex-Made in Chelsea starlet turned designer kept things cool and casual in a simple grey tee, black ankle boots and her favourite pair of coated River Island jeans.
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The Walking Dead has developed a cult following since its launch on American channel AMC with a tentative six episode run in 2010.Starring British actor Andrew Lincoln – best known for his role as hapless lawyer Egg in This Life – the show follows a disparate group of survivors as they endeavour to exist in a world overrun by flesh hungry zombies.The fifth season will launch on Fox on October 13, and fans can catch up on the first four  with a NOW: TV Entertainment Pass.Season five is also available to watch on NOW: TV. 
How were used to seeing her: Millie, who recently unveiled her own clothing range for Dorothy Perkins, never leaves the house looking less than perfect
Last years look: Millie went as a zombie to Jonathan Ross celebrity-packed Halloween party last year
Fright fan: Millie says her husband Stephen has got her into scary box sets and the couple love staying in and watching TV
Big fan: In a promotional video filmed during the shoot Millie admits she loves the show, which launched on American channel AMC in 2010  HOW TO GET MILLIES TERRIFYING LOOK AT HOME  Special effects make-up artist Nicholas Thompson helped Millie, a former make-up artist herself, transform into a gruesome walker from the show for NOW TV.These simple tricks and techniques will help you achieve the look at home, with just a little practice and patience, said Nicholas. Everything used within the tips can be found in a make-up bag or made with things that you can find at a supermarket or online. What youll need- Skin cleanser- Hair pin or band- Sculpt gel (a mix of silicon and a curing agent) or porridge oats and petroleum jelly- Wound filler or seedless raspberry jam and cooking glycerine- Hairdryer- Cuticle stick- Grease paint palette (red, yellow, brown, purple colours)- Sponge, paint brush, wet wipes, fixing agent or talcum powder- Fake blood- Hairspray a comb and hair conditioner 
Here we go: She applies ghostly foundation as the transformation gets under way  How to do itTop tip: Ensure you aren’t allergic to any new products you might use by performing a patch test onthe wrist 24 hours before you beginStep 1: PreparationMassage some cleanser into the face to create a base. This will allow the skin to be moist and eases the removal at the end of the processPin back hair to see the full face and to stop stray hairs getting into the make-upStep 2: Create cuts and scarsUse sculpt gel to create cuts and scars across the faceApply the gel to the face, using a cuticle stick to move the gel around and create shapes – get creative and think about how your walker wound got there!Don’t be too even. Nature doesn’t work in straight lines and symmetry is seen as traditionally beautiful so we want to avoid this!Top tip: Sculpt gel can be bought online or within specialist make up shops. Porridge oats mixed with petroleum jelly make a great back up if you can’t find itGreg’s tip: Think about what happened to the Walker for them to look like this and begin to tell a story through the make-upStep 3: Dry the woundsWhen you know where you want the wound, use a hair dryer on a low heat setting and work quickly to shape the cut using a cuticle stick
Getting ready: Massage some cleanser into the face to create a base. This will allow the skin to be moist and eases the removal at the end of the processStep 4: Add dark shadows to the recesses of the faceUsing a grease paint palette of just a few basic darker colours – you can get these from fancy dress shops or specialist make up stores – and a sponge or paint brush to applyAdd dark shadows under the eyes, temples and the nose. You want to really exaggerate where the natural shadow is for thisTop tip: Think of a skeleton’s face when doing this and try and mimic that look!Step 5: Create a unifying baseUse a yellow grease paint and a sponge and blend it to create an even base toneYou can also highlight certain areas around the darker patches using complimentary colours to create a gaunt lookTop tip: Check out a colour wheel before you start to decide on which colours work best togetherStep 6: Highlight woundsUsing light red colouring and a sponge, highlight the dried wound and make it standoutYou can remove any excess with a wet wipe, but smudging and smears give a more authentic walker look – it shouldn’t look too perfect!Top tip: Less is more here!
Final touches: Fill in the wounds with wound filler which you can get from specialist make up shops, dabbing it with a paint brush to build up in layersStep 7: Exaggerate featuresGo over the eyelids and lips with a purple or brown hue using a paintbrush to really exaggerate those featuresYou’re aiming here to give the areas a bruised lookTop tip: Stand further away from the mirror so you can see yourself overall rather than focussing on one areaStep 8: Fill the woundsFill in the wounds with wound filler which you can get from specialist make up shops, dabbing it with a paint brush to build up in layersHighlight the highs and lows with a range of bruise tones, giving the wounds depth and a less uniform colourYou can go over the wounds with a fixing agent or talcum powder so the colour doesn’t runTop tip: You can make your own wound filler by mixing seedless raspberry jam with cookingglycerineStep 9: Add bloodPaint fake blood on to the wounds to give it a more gory lookYou can also flick the blood onto the face with a toothbrush for a more authentic splattered lookGreg’s tip: Think about how your Walker got their injury and use that to consider how you should apply the blood and where to. For example, a gunshot wound will look different to a cutStep 10: Dress the hairApply a little conditioner and back comb the hair in sectionsSpray with hairspray to achieve the messy lookTop tip: Finishing touches and accessories really make the look, so consider everything from your clothes to your hair in your overall presentation.Dying to see it from the start? Catch up on Seasons 1-4 of The Walking Dead, contract-free, with NOW TV. Season 5 arrives today. Watch Millie’s transformation at nowtv.com/thewalkingdead

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Women with incurable breast cancer are needlessly suffering pain in their last months of life.Some are left in agony for vip eskort years even though treatments are available, the charity Breast Cancer Care has warned.Its poll of more than 200 women with escort bayan incurable cancer found 90 per cent were often in pain. More than half (59 per cent) suffered every day.If the escort results are mirrored across all breast cancer patients, more than 32,000 women will be affected. bayan escort
File photo of woman having a breast screening on mammogram machineDr Emma Pennery, Breast Cancer Care’s clinical director, said that although pain cannot be eliminated in all cases, prompt referral to a specialist boosts the odds of relief.But she said pain relief may be overlooked because doctors are so focused on treating the cancer. Some medics also wrongly associate palliative care – the management of symptoms and pain – only with the very end of life, but help can be given much earlier.
A breast mammogram given to women who are screened for cancer: today is Secondary Breast Cancer Awareness DaySome women with advanced breast cancer live for years, during which they can be in agony. Even simple tasks such as picking up a handbag can cause searing pain. Others experience constant flu-like symptoms.
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But as many as 41 per cent of those polled had never been offered palliative care.Today, on Secondary Breast Cancer Awareness Day, the charity is calling on doctors to tell women about pain relief as soon as they are diagnosed.
On Secondary Breast Cancer Awareness Day women are encouraged to check their breasts for unusual lumps or differencesDr Pennery said: ‘Palliative care can have a significant impact on quality of life and can really help to alleviate suffering. Sadly, palliative care teams tell us some of their referrals are for breast cancer patients who are within a few weeks of death.‘By that stage, it is too late to intervene as effectively.‘Developments in treatment mean people are living with secondary breast cancer for longer, therefore it’s vital that healthcare professionals are equipped with the knowledge they need to offer appropriate symptom management.No one should live with unnecessary pain or without the information they need to make decisions about their own health.’Many women are put off by the connotations of death surrounding palliative care, which is usually provided by hospices. Some 70 per cent of the women polled did not know palliative care does not need to be limited to the very end of life.Eleanor Meade, 56, from Kent, who was diagnosed with incurable breast cancer six years ago, said: ‘When I was first diagnosed I had never heard of palliative care. I had no idea what it meant. I was very afraid of the hospice.‘I had absolutely no idea they weren’t for the very end of life. But they were able to alleviate some of my most troubling and distressing symptoms.‘I only heard about it by speaking to other women with secondary breast cancer and I feel that’s unacceptable. I needed it much sooner than that.’Diana Jupp of Breast Cancer Care said: ‘This survey shows just how many secondary breast cancer patients are struggling on in excruciating pain because of a lack of timely access to palliative care. This is absolutely unacceptable.’ 

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Kenny Dalglish says Roy Keane was right not to shake Jose Mourinhos hand before the end of Chelseas win over porn Aston Villa.With just minutes remaining and his side 3-0 ahead at Stamford Bridge, the Chelsea boss headed for the exit escort and attempted to shake hands with Villa boss Paul Lambert and assistant Keane.Both snubbed Mourinhos handshake request with Lambert pointing escort bayan to his watch, suggesting that the Portuguese manager would have to wait until full-time.
Villa assistant Roy Keane (left) child porno was in no mood to shake Jose Mourinhos hand before the game finished
Aston Villa manager Paul Lambert also refused to shake Mourinhos hand at Stamford Bridge 
Lambert couldnt understand why Mourinho was leaving the pitch before full-timeDalglish told the Mirror: I probably wouldn’t have shaken his hand, either, if I had been in the same situation as the former United skipper.The former Liverpool forward added: Mourinho is at the top of the tree at the moment. You can get away with a lot of things when you’re in his position.But maybe he should remember the old adage about being nice to people on the way up because you might need them on the way down.Previous
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Read more:
Kenny Dalglish: If I was Roy Keane I wouldnt have shaken Jose Mourinhos hand either – Kenny Dalglish – Mirror Online

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Family booths and couple pods will be available to passengers on-board Thomson Airways flights as it unveils plans for child-free porno zones.The new seating arrangements will include facing seats and a table for groups of up to six and duo-seating for porno couples, complete with champagne coolers, mood lighting and and in-seat charging.The company will introduce a fleet of 47 new Boeing 737 MAX jets and a range of new features in the next five years as part of its branding as the ‘holiday airline’. Scroll down for video 
Family booths will be introduced next year with facing seats available for groups of six and will include tables 
Thomson Airways also announced flights would have duo seating for couples and include a wine coolerChanges will also include extra legroom and a ‘kids club’ with trained crew on-board to keep children entertained with arts, crafts and quizzes.From next year the airline will fly to and from extra destinations including Costa Rica, Malaysia and Vietnam.There will also be the option to fly to Caribbean islands such as Curacao, Bonaire, Antigua and St Lucia.
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While on-board meals are likely to be related to the holiday destination, flights will have a beach snack bar where passengers can socialise.Thomson will also employ a ‘dedicated holidaymaker’ to give advice to passengers and crew members will be equipped with iPads to provide destination information and pass special requests to the resort team.
Thomson Airways shows off its five year upgrade plan
An on-board kids’ club with a trained member of the crew to entertain children with arts, crafts and quizzes 
There will also be themed meals related to the holiday destination and a beach snack bar for socialisingThe in-flight entertainment system will also include an on-screen resort welcome, hotel and destination guides.New channels will be designed specifically for holidaymakers including a bedtime story channel for children and bespoke teenage content.David Burling, managing director of TUI UK & Ireland, the travel group which owns Thomson, said: Our airline business has traditionally been categorised in the charter sector which is often perceived as the poor relation to scheduled and, in reality, bears little resemblance to the Thomson Airways experience today.Our overall goal is to make travel experiences special and, as the flight marks both the start and end of the holiday, we see it as an integral part of the whole holiday experience.
Crew will be equipped with an iPad to personalise the customer service, share destination information and pass special requests and information over to the resort team
The in-flight entertainment will have content and channels designed specifically for holidaymakers including a bedtime story channel for children, bespoke teenage content and destination inspiration channels on long-haulThat is why we want to want to define and lead a new category of flying – the holiday airline category. This describes an airline designed for the specific needs of the holiday maker and fully connected to the holiday experience in the destination.We’ll achieve this by continuing to invest in our fleet, in state-of-the-art aircraft like the 787 Dreamliner and 737 MAX, in our on-board technology connecting the flight experience to that in resort and in product and service innovations that are entirely relevant to the holidaymaker both today and tomorrow. 
From next year the airline will fly to new destinations including Costa Rica, St Lucia, Vietnam and Malaysia
Thomson will introduce a fleet of 47 new Boeing 737 MAX jets by 2020 as part of branding as ‘holiday airline’Thomson Airways will introduce family seating, couple pods and child-free zones by next summer.The fleet of new planes, which are 14 per cent more fuel efficient than the current aircraft, will be delivered by 2020 as well as two new Dreamliners.Further planned enhancements include room upgrades, advance check-in and resort experience bookings through a state-of-the-art system.

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Banks will be able to raid a customer’s account to claw back cash paid in by accident in a groundbreaking escort move that is set to end the misery of missing payments.HSBC, sister bank First Direct and Nationwide have become the escort bayan first big names to rewrite their terms and conditions so they can haul back money that allegedly has been paid bayan escort into an account by mistake.This happens when someone using online banking either mistyped or is given the wrong account number eskort into which to pay funds. As a result, the money ends up in the account of another customer.
Wrong payment: Under the new code, the bank has two working days to start an investigation on your behalfUp until now there was little anyone could do if the beneficiary refused to speak to their bank or answer correspondence.But the new rules from HSBC, First Direct and Nationwide – which are expected to be followed by other banks – will mean that no longer will people be able to benefit from so-called fat-fingered transfers just by keeping silent. 
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Customers who have received a payment that someone else says was sent in error will be sent a letter, texts and receive phone calls. If they fail to respond within a set period of time – in some cases up to ten working days – the disputed funds will be hauled straight back out of their account or ring-fenced so it can’t be spent while the case can be investigated.The changes by HSBC and First Direct, which take effect from November, mark the latest attempt by the banks to end the mess of missing payments.HOW A SLIP OF THE FINGER CAN COST YOU DEAREvery year, tens of millions of pounds accidentally vanish into strangers’ bank accounts during attempts to transfer money electronically. The cause of the error is simply a mistyped account number or bank sort code.Increasingly, customers unfamiliar with mobile banking technology and apps are also mistakenly sending the same sum twice.And it’s not always the fault of the person sending the money. Sometimes the account details they have been given are wrong, so though they’ve correctly put in the information they’ve been told to, the cash has still ended up in the wrong place. 5 STEPS YOU CAN TAKE TO BE SAFE Before you send money, always double or treble-check the two key numbers — the bank sort code and the account’s eight digits.If you’re in any way unsure, send £1 as a trial run and call the intended recipient to see if it’s arrived. Then, if successful, send the remainder.Visit your branch to make a really valuable transfer. Give the staff all the details and ask them to arrange the transfer of funds. If a staff member makes a mistake, they can grab the cash back straight away.If you think you’ve mistakenly sent a payment to the wrong account, get in touch with your bank immediately. The quicker they can investigate, the less likely your money will be spent in error — and any problems are less likely to escalate.If your bank gets in touch, reply to them as quickly as possible. When you send money to the wrong account, the bank can’t simply reverse the transaction. This, they say, is to stop fraudsters.Imagine a crook offers £200 to buy a second-hand bicycle and transfers the cash to your account.The swindler could then contact his own bank to reverse the payment later that day – so he has your bike and has left you out of pocket.So if you have sent money to the wrong account, the first step is to contact your own bank, who will endeavour to track down precisely where it has gone.If you’re in luck, the money will have stayed with the same bank and may even be sitting in a holding account where stray payments go. In this case, the money is easily retrievable.Should a customer at the same bank have it, the bank can contact them directly; if it’s sitting in an account at a different bank, then it’s up to that organisation to contact their customer.But this is where the process falls apart. Despite a new code that forces banks to work together, customers still say it is almost impossible to track down missing funds.Until now, if the person who receives the money doesn’t reply or says they were expecting the cash, then there is little more that can be done.A bank cannot release another person’s details to a third party because that breaches the Data Protection Act. And even if the person admits they’ve received the money by mistake, if they have spent it then things get trickier still.Martyn James, a spokesman for the independent Financial Ombudsman Service, says: ‘When this happens, the bank cannot withdraw the money if this would then leave the account holder with a negative balance.‘In these kinds of instances, there is very little that the bank can do.’WHY THE LAW DIFFERS FOR BANKSThe banks have recently found a way round this problem for situations where staff send their own customers’ money to the wrong place.In a landmark court case, a High Court judgment gave Santander the right to demand personal details of a customer of another bank so that it could claw back money paid into the account.Known as a Norwich Pharmacal Order – named after a pharmaceutical firm that wanted to track down who was importing chemicals in breach of a patent in the Seventies – it allows banks to reveal the identity of who is receiving money and start legal action against them.
In the recent ruling, Mr Justice Birss said innocent people were not being targeted – only those account holders who had failed to return money owed to someone else. Critically, Mr Justice Birss touched on what he called ‘unjust enrichment’. He said: ‘The evidence as a whole shows that in each case the bank has paid money to the beneficiary as a result of the bank’s mistake.‘The beneficiary has been given money to which they have no claim or right. They obtained the money by mistake.‘A reasonable person who was told in good time that money had been paid into their bank account by mistake would take steps to pay it back. On the face of it, therefore, the enrichment is unjust.’The ruling is expected to open the floodgates for other banks to make similar demands for customer details. Santander has already admitted to making hundreds of these orders, and Nationwide also says it has used them.
Lost money: Even if only one in every 10,000 transactions went awry, it would send more than £42million worth of electronic payments into a black holeHOW MUCH IS GOING MISSING?The true scale of the losses from fat-fingered transfers has yet to emerge. The banks say there are no figures available.Trade body the Payments Council reports that 19million electronic payments are made each day – around seven billion payments a year. Even if only one in every 10,000 transactions went awry, it would send more than £42million worth of electronic payments into a black hole.After launching a code of conduct in May, it has been collecting data on the size of the problem and the exact number of customers affected. It admits the problem is already ‘much bigger than we thought’ and it plans to review its operations in a matter of months.Meanwhile, the ombudsman says it has noticed a rise in inquiries from the public aggrieved at a lack of co-operation by their bank.However, it has been hamstrung in its attempts to tackle the problem because the complaints often focus on a third party – a rival bank.If you complain about that bank, a loophole in the rules means that the ombudsman can’t investigate because you are not one of their customers. But without action, the scale of this problem will grow.By 2017, 60 per cent of all transactions will be done on mobile phones or iPads, the British Bankers’ Association estimates.Today, five out of six of us use online or mobile banking. Last year, the number of people using mobile banking doubled to 18.6million every week.A MONTH TO TRACK DOWN YOUR CASHUnder the new code, the bank has two working days to start an investigation on your behalf.If it runs into trouble and can’t find your funds straight away, then it must get in touch to tell you within the next 20 working days.At this point, the bank would previously have given up.For more than two years, Money Mail has been reporting on cases where customers have sent thousands of pounds to the wrong account and then been unable to retrieve it because the recipient has refused to get in touch with their bank.Any attempt by a customer to get the identity of the person who had received their money would largely be rejected by the banks.
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Many customers who have sent money astray have complained to the police. However, they will bat away the complaint because this is technically a dispute between you and the other bank.Strictly speaking, it is illegal to spend money that you have received in error. However, proving someone had done this is almost impossible.With HSBC and First Direct’s new rules, though, the beneficiaries of missing money will no longer be able to do nothing in order to keep the funds.Instead, the new terms and conditions, which were sent out over the past few weeks, demand customers respond to correspondence. If they don’t, then the bank will freeze the funds or pull them back out.Nationwide, which rewrote its rules earlier this year, goes one step further and, where it is convinced there has been an error, it can take back the cash without warning.It has already used this power to reclaim funds.The crucial difference with the new rules is that it means the onus is on you to act if you receive a notification from your bank saying a payment has been disputed.If you fail to respond to your bank, you could be playing into the hands of fraudsters who rely on customers doing nothing.A spokesman for the Payments Council says: ‘It’s for the bank to justify their decision if they deduct the money from a customer’s account to return it to its accidental sender.‘They have to satisfy themselves it’s the right move.‘Remember, it’s absolutely key that both parties – the person who made the mistake and the beneficiary – are treated fairly in such a situation.‘Any decision on whether to do it should be made only in light of the individual facts and circumstances of each case.’

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All take £ taxman

Savers could be able to pass on their pensions to loved ones tax-free after death, following radical measures set to be announced by the Chancellor today.George Osborne will announce that the 55 per cent tax rate that is currently applied to pension pots left by savers to their children will be scrapped. Instead, beneficiaries will either pay tax at their own income tax level – with the money they receive added to their earnings to calculate this – or if the person who dies is under 75 there will be no tax to pay.The measure will mean people who have worked hard and saved all their lives will be able to pass on their hard-earned pension pot in full, without forfeiting a hefty sum to the taxman.
Shake up: Chancellor George Osborne is set to announce that a so-called death tax on pensions will be scrappedHow will this work?Hundreds of thousands of families are expected to benefit, to the tune of £150million each year.From April 2015, if the person who dies is 75 or over, beneficiaries will only have to pay their marginal tax rate when they draw the income, as they would with any pension.If the person who dies is under 75 there will be no tax to pay at all.Currently, only spouses and financially dependent children under the age of 23 are exempt from the 55 per cent tax, and are instead allowed to withdraw the pension and pay their usual income tax rate The expected structure of the change would see tax paid at 20 per cent, 40 per cent or 45 per cent on outstanding pension pots inherited.Those who have already taken pension benefits will also benefit from the change, although those who have bought annuities will not as their capital is usually lost on death. It has not yet been revealed how the tax cut will be funded although details are expected in the Autumn Statement.  
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Why is George Osborne doing this?In his speech to the conference later today, Mr Osborne is expected to say the change will deliver freedom for peoples pensions. A pension tax abolished. Passing on your pension tax free – Not a promise for the next Conservative government, but put in place by Conservatives in government now.
And he will add: People who have worked and saved all their lives will be able to pass on their hard-earned pensions to their families tax-free.The children and grandchildren and others who benefit will get the same tax treatment on this income as on any other, but only when they choose to draw it down. The move will make pensions even more attractive for long-term saving but is a further blow for annuities, whose relative attraction will be diminished once again.The Chancellor has already scrapped rules that force most Britons to use their pension savings to buy an annuity, making it easier and cheaper for people to withdraw money directly from their pension pots.The first swathe of pension changes announced in his Budget earlier this year gave workers unrestricted access to their retirement savings.It means that workers retiring without a defined benefit pension – such as a final salary scheme – no longer have to use their pension pot to buy an annuity to provide them a retirement income.Instead they can either withdraw cash from their pension as and when they like, keep it invested and live off the income, or use a combination of the two.As a result, millions more retirees are expected to opt for a process known as a drawdown, where their pensions remain invested while they take an income.
Radical changes: It appears that pensions can be passed onto grandchildren, said Alan HighamWhen a person uses drawdown and dies with their pension still invested, they can leave instructions for whatever is remaining in their pot to be paid out as a lump to whomever they wish.Until now this would incur a hefty 55 per cent tax – from next year no tax will be paid.Could this make retirees more prudent with their pensions freedom?One of the fears over new pensions freedoms, set to come into force in April, is that retirees given access to their full retirement savings may spend too recklesslyand leave themselves out of pocket in later life.But Barnett Waddingham senior consultant Malcolm McLean suggested todays move could encourage savers to be more prudent with their retirement funds.It is also probably necessary to take account of the major changes to pensions coming into force next April which will allow many savers full and unfettered access to their pension funds from age 55, he said. If the 55 per cent tax charge were to be retained beyond that date it might well encourage individuals to draw down their funds too quickly with a view to avoiding the possibility of having to incur this tax on their unused money. This could mean they run out of money and leave themselves short in their later years.Alan Higham, retirement director at Fidelity Worldwide Investment urged savers to tell their pension funds who they would like to benefit when they pass away.Everyone should consider again as a result of these changes, he said.He added: It appears that pensions can be passed onto grandchildren – just as with any other asset – benefiting from their unused annual personal allowance, currently even children are allowed up to £10,500 a year income before paying tax. 
Something to smile about: Scrapping the pension pot tax will save families around £150million a year, it has been estimatedWould an annuity still be better for some? Tom McPhail, head of pensions research at Hargreaves Lansdown, said todays announcement offers both good and bad news. 
These changes to the tax rules will be a mixed blessing, he said. They will encourage investors to take the maximum possible advantage of their pension contribution allowances, which is certainly a good thing.Investors can build up their pension fund, secure in the knowledge that they can not only draw on their savings without restriction from age 55 but in addition, any unused savings can be passed on to their inheritors tax free on death.It is therefore likely to significantly boost demand for income drawdown in retirement and to diminish the relative attraction of annuities. It will also encourage investors to preserve their pension funds to meet the cost of care funding.However he warned that managing the withdrawal of income from a pension fund over the term of retirement is not simple and that annuities still offer some advantages. He argued that while pensioners would not be able to pass on any left over cash, an annuity does provide the certainty of income for the rest of your life that is vitally important to retirement planning.Annuities carry two important advantages: they provide a guarantee of income for the rest of an investors life, however long that may be; they also allow investors to benefit from the mortality cross-subsidy, by sharing out some of the value of the pensions of those who die young, they increase the payments to those who live longer. This is an extremely efficient system.Since the budget we have seen development work on hybrid retirement income products which use complex investment guarantees and hedging strategies. So far we have not seen anything which appears to deliver a better mix of guarantees and potential investment returns than simply splitting a retirement fund between an annuity for certainty and a drawdown for flexibility. 
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A motorist who killed a university student after losing control of his car when he suffered a seizure at the wheel may have been suffering from alcohol withdrawal, an inquest heard.Ian King, 56, lost control of his silver Mercedes and ploughed into Chloe Adkins, 20, as she walked along Hagley Road in Edgbaston on 25 January last year.  The third year computer science student died of her injuries.Yesterday an inquest into her death heard that Mr Kings seizure could have been brought on by alcohol withdrawal.
Chloe Adkins, 20, from Northampton, died after she was struck by a car driven by Ian King, 56, from DerbyThe driver, of Littleover, Derby, denied the claims and said he had never had a seizure before and only one since.  And a charge of causing death by dangerous driving was dropped when the case was dismissed because of medical evidence earlier this summer. The inquest at Birmingham Coroners Court heard how Miss Adkins, from Northampton, was struck by Mr Kings Mercedes as she walked along a pavement. Witness Adam Crump told how he had seen the car drive through a red light on the Hagley Road, half a mile before the accident scene. 
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He was the second person at the crash site and checked on Mr King while someone else performed chest compressions on Miss Adkins, a student at Aston University.He was sitting in the drivers seat and was agitated, foaming and having some sort of seizure or fit and was shaking and incoherent, Mr Crump said.Giving evidence, Mr King said he had been at a sales training course in Birmingham and was driving to his home in Derby.He had no recollection of the accident, and said The next thing I can remember is waking up in my airbag and then being escorted into the ambulance.
Scene: Miss Adkins, a student at Aston University, was walking along the road when she was hit in JanuaryMr King said he had never had a seizure before, and had only had one more, while he was sleeping in June last year.He said after the accident his licence had been revoked so he had not driven since. I will never drive again, even if Im allowed to and the seizures are under control, he said.Asked by assistant coroner Heidi Connor to comment on various doctors saying his seizure was probably brought on by withdrawal from alcohol, he replied: No, I have no idea what caused it. I will never drive again, even if Im allowed to and the seizures are under control  The inquest heard how Miss Adkins died as a result of a catastrophic brain injury. Her family were able to donate her organs. Police investigators said there was a can of lager in Mr Kings car but he gave a negative breath test.Dr Sarbjit Clare, who treated Mr King at Birmingham City Hospital, said all the medical evidence suggested he had suffered a seizure.My impression is that it was the result of alcohol withdrawal, but he denied it, she said.The coroner said that although she believed it was entirely possible alcohol withdrawal had played a part in the seizure, she was not going to record it as part of her conclusion. She recorded a conclusion that Chloe died as a result of a road traffic collision. 
The coroner said it was possible alcohol withdrawal was a factor but did not record it as part of the conclusion 

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Editors note: Zainab Salbi is an Iraqi-American author, entrepreneur and filmmaker. She is the founder of View my Flipboard Magazine.

The world can no longer treat womens issues as if they are somehow separate from everything that goes on in, and defines, a country or region. Indeed, women should be seen as the bellwether for the direction of society at large — where women thrive, so do opportunities for all. Where women are oppressed, oppression of all dissenting voices typically goes hand in hand.
Above all though, womens issues should not be discussed as if they are somehow relevant only at the margins of a society. Instead, they should be considered front and center, and an international priority. And the first step toward making them such a priority is listening to what they have to say in the first place.
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