Tuesday, January 31, 2012
First Listen: An Unreleased Britney Spears Song Titled Strangest Love Leaks To The Internets
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Monday, January 30, 2012
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Saturday, January 28, 2012
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Retirement - Could you Pay for It?
People historically sacrifice the things they want to do even though they're even now operating and program to carry out all of it whenever they retire. The challenge is that now they are trying to retire and choosing they can't pay for to even sit across the property and do practically nothing. About 70% of us are living paycheck to paycheck and cannot find the money for to skip a single. They were informed for many years that they would want a lot less funds when they retired and are shocked to understand they require as a lot or more because they did whenever they labored. How can they even visualize retiring?The tendencies these days are that people are a lot more energetic later in everyday living than they have been. The phrase 60 will be the new forty is taking off using the most significant demographic pattern in the planet, Baby Boomers. There are actually above 78 million Newborn Boomers from the U.S. alone.Being a group, Boomers usually are not content material to just sit in the home. They've been placing their travel desires on maintain "until we retire." They have been putting their hobbies for the again burner for "when I retire." In accordance into the figures, they've got been placing their prepare to pay for retirement on maintain "until I retire," too. Over 80% do not have in excess of $25,000 in savings after more than 20 several years of tax favored preserving accounts these types of as IRAs and 401(k)s.As professional medical enhancements include several years to our lives, most haven't saved adequate to place residing in all those ages. If you ended up to possess an cash flow of $50,000 for each year, you would need a nest egg of above $1 million earning 5% to supply that. Anything much less and also you start out trading off both dwelling on less or consuming your principal. In case you begin working with your principal, you setup a race to discover which runs out first, you or your income.The purpose from the savings accounts is usually to substitute the cash flow you had been obtaining when you have been performing. The important thing phrase is cash flow. There may be a method to produce the earnings you require to live on and even now do the factors you've usually wanted to do. It can be constructing a residual cash flow which has a property primarily based organization.You will discover two types of cash flow. The initial is referred to as linear cash flow where by you trade a single unit of work for a single unit of pay. This can be that which you acquire on your profession. If the work stops, the earnings stops in addition. The next form of money is residual revenue wherever you do the get the job done as soon as and you also get paid quite a few times for it. An author receiving royalties from producing a book is definitely an instance.
Friday, January 27, 2012
How to Get A 401k Hardship Withdrawal
How you can Just take A 401k Hardship Withdrawal Hardship withdrawals are one of two methods to take funds out of one's 401(k) program although nonetheless employed with the business (another would be to borrow versus your account balance). Sadly, you will find tax and economic outcomes that can make this a less attractive option for most folks.IRS laws enable you to withdraw out of your 401(k) program to spend for qualifying emergency expenditures if: (one) the withdrawal is as a result of an "immediate and heavy monetary need"; (2) the withdrawal should be "necessary to satisfy that financial need" (i.e. you've no other savings or credit score available that could possibly be utilized to meet financial the require); (3) the withdrawal cannot exceed the amount with the financial need; (4) you must have very first attempted to obtain all other distribution alternatives or nontaxable loans available below the 401k plan; and (5) you don't contribute additional to the 401k strategy for 6 months immediately following your withdrawal.The IRS considers the following kinds of expenses to become a adequate "immediate and major financial need" to qualify to get a hardship withdrawal: (1) Costs for health-related care formerly incurred through the employee, the employee?s partner, or any dependents of the worker or necessary for these persons to obtain health-related care; (2)Expenses immediately associated towards the acquire of a principal residence for the employee (excluding mortgage loan repayments); (3) Payment of tuition, related instructional charges, and space and board expenditures, for the next twelve months of postsecondary training for the worker, or the employee?s partner, young children, or dependents; (4) Payments needed to stop the eviction with the employee in the employee?s principal residence or foreclosure on the home loan on that residence; or (five) funeral costs and expenditures related towards the repair of harm to the employee?s principal residence also qualify as an "immediate and hefty monetary need" that may permit a hardship withdrawal.Although it may be tempting to simply pull dollars out of your 401(k) anytime daily life throws you a monetary curveball, there are many factors why this can be typically not the very best alternative. You can find substantial tax expenses involved, together with a significant reduction of your complete account stability at retirement.To start with, you'll be taxed within the quantity of the withdrawal inside the yr it's taken. For quantities over $200, 20% federal earnings tax withholding is going to be deducted ahead of you ever receive the dollars, along with any relevant state and neighborhood tax withholdings. If you're below 59? in the time of distribution, you'll also be required to spend a 10% early withdrawal penalty on your earnings tax return in the end with the yr. To compensate for this, the IRS lets you consist of the quantity needed to pay any income taxes or penalties "reasonably anticipated" as a result of the early withdrawal.Much more economically damaging is the reduction in value of one's portfolio over the a long time. The primary benefit of any retirement cost savings strategy could be the tax-free compounding of curiosity over several a long time of employment. Many years of compound earnings are misplaced on every dollar withdrawn these days. This misplaced curiosity cannot be made up by just growing long term contributions.Hardship withdrawals can supply a backup source of money to cover unexpected financial conditions, like health care, tuition, and funeral expenses or to acquire a primary residence, but this does come at a steep cost. Elevated taxes within the yr of withdrawal (plus a 10% early withdrawal penalty for all those below 59?) and much less dollars at retirement make taking a hardship withdrawal a very poor long-term selection.
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Thursday, January 26, 2012
Suggestions on planning your retirement
Do you want to begin planning your retirement? Are you uncertain on how you can move forward? Then these ideas will probably be helpful to you personally when setting up your retirement program.Possess the suitable mindsetIt is vital that you simply have set your mind to set aside a portion of your wage to your retirement. This can be inside the form of a financial institution cost savings account, a 401k strategy, and so on. It does not issue how tiny or how large an quantity you are going to save so long as you set it aside. You can eventually improve the quantity that you simply save anytime you might have additional dollars, you get a wage boost, or you have completed your payments.Know what you'll requireRetirement will probably be high-priced. In accordance with estimates accomplished by professionals, you will need to have 70% of your income before retirement to maintain your regular of residing right after you have stopped working. You must look into the positive aspects that you will receive from Social Safety. About 40% of one's pre-retirement earnings are to become paid again by Social Security.Your employer's pension or retirement strategyIn the event the business which you work for provides a retirement program, you ought to figure out what your advantages will likely be and what it really is really worth. Prior to you feel of likely into one more company, you should discover out what is going to take place for your benefits after you depart your existing company.Do not use what you might have put asideBy no means touch what you've saved for your retirement. Dipping into it will imply a damage in principal at the same time as curiosity which could also trigger you to shed tax benefits.On savings and investmentsThe types of investments also as inflation are important elements on how much you'll be capable to save and use right after you retire. It really is crucial that you understand how your cost savings is invested because your financial safety is what's at stake. Remember, the best way you save is as crucial as how much you set aside.Know all detailsAlways bear in mind, understanding is energy. With details out of your employer, the union, the bank, or economic advisor, you'll be ready to create a decision that you won't regret creating. Often inquire concerns and allow it to be a stage that you comprehend the answers.It's by no means also early to plan your retirement. Prudence on your portion will ensure which you reside your retirement days in ease and comfort and ease. Your financial security will need your time, dedication, and naturally, funds. Discover all you can and act on it instantly.
What to Look for and Look Out For With Affiliate Applications
Much like with almost every thing else in existence, there are good things and poor things about affiliate applications. Discover much more about each and you�ll possess a more healthy, happier affiliate advertising plan in location for the business.
Right here is some info to help you type via the good and also the bad with affiliate programs:one. Make sure you understand the plan prior to you go through the procedure of signing up and establishing marketing and product sales promotions. For example, if payout ranges are so higher that you require five or much more sales prior to you receive any commission, you might want to rethink your ideas in the event you need extra earnings now. Some affiliate programs spend immediately after a sale is made.
And with some affiliate applications involving weblogs, in order to qualify, your weblog needs to meet certain needs, like having the entire blog posts show on the house web page and never just excerpts. So verify ahead of time.two. Look for good, quality products in the affiliate plan. No one wants junk, even when it�s not yours that you simply are selling. And people do remember exactly where they store. So focus on sustaining a good relationship and market only great items.
3. Study the affiliate program initial to create sure members are generating money. You are able to begin by reading through testimonials around the affiliate program sites and contacting the people who sent in positive feedback to determine if they're still satisfied and generating cash.
4. Some affiliate applications pay out beneath ten percent, other people pay 50 percent and more. In order to make the most ROI (return on investment) of your time, work and marketing campaigns and funds, choose applications where their compensation plan pays out thirty percent or much more as you are starting out. If you would like to go decrease after you're established, you might consider changing this technique later on.5. Choose affiliate applications which have items for the goal market. You would like to make sure there's a require for that products, or else, you�ll be wasting your time, work and money with promotions. Use free tools like the software download at GoodKeywords.com to check out the quantity of searches carried out each month in your products� key phrases. If at least ten,000 people are not looking for the item, choose something else to start with, so you've lots of visitors possibilities.
six. Select an affiliate program that has stats so you can keep track of your progress.
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Wednesday, January 25, 2012
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How you can Take A 401k Hardship Withdrawal
The best way to Consider A 401k Hardship Withdrawal Hardship withdrawals are one of two ways to get dollars out of your 401(k) strategy even though nonetheless employed with the organization (the other is to borrow towards your account stability). Regrettably, you can find tax and economic implications that may make this a less attractive choice for most individuals.IRS laws permit you to withdraw from your 401(k) plan to pay for qualifying emergency expenditures if: (one) the withdrawal is due to an "immediate and hefty financial need"; (2) the withdrawal should be "necessary to fulfill that monetary need" (i.e. you have no other savings or credit available that might be used to fulfill financial the want); (3) the withdrawal can not exceed the amount with the monetary require; (four) you need to have 1st attempted to obtain all other distribution options or nontaxable loans obtainable under the 401k strategy; and (five) you don't lead additional to the 401k strategy for six months right away soon after your withdrawal.The IRS considers the following forms of expenditures to become a adequate "immediate and heavy economic need" to qualify for any hardship withdrawal: (one) Expenses for medical treatment previously incurred through the worker, the employee?s husband or wife, or any dependents with the worker or necessary for these individuals to acquire medical care; (2)Expenses directly associated to the buy of a principal residence for your employee (excluding home loan repayments); (three) Payment of tuition, connected academic charges, and space and board expenses, for your subsequent 12 months of postsecondary education for that worker, or the employee?s husband or wife, youngsters, or dependents; (4) Payments necessary to stop the eviction of the employee in the employee?s principal residence or foreclosure within the mortgage on that residence; or (5) funeral costs and expenses associated to the repair of harm to the employee?s principal residence also qualify as an "immediate and major monetary need" that can allow a hardship withdrawal.Whilst it could be tempting to simply pull money out of your 401(k) whenever daily life throws you a monetary curveball, there are many factors why this can be usually not the very best alternative. You will find considerable tax costs involved, in addition to a key reduction of your somme account harmony at retirement.First of all, you'll be taxed around the quantity with the withdrawal inside the 12 months it really is taken. For quantities more than $200, 20% federal earnings tax withholding will likely be deducted just before you ever before get the money, along with any applicable state and neighborhood tax withholdings. If you are below 59? in the time of distribution, you may also be necessary to pay a 10% early withdrawal penalty on your earnings tax return in the end with the year. To compensate for this, the IRS allows you to incorporate the quantity necessary to spend any earnings taxes or penalties "reasonably anticipated" consequently of the early withdrawal.Even more fiscally damaging is the reduction in worth of your portfolio more than the many years. The main benefit of any retirement cost savings strategy is the tax-free compounding of curiosity more than numerous many years of employment. Decades of compound earnings are misplaced on each dollar withdrawn today. This lost curiosity can not be made up by merely increasing future contributions.Hardship withdrawals can provide a backup source of money to cover sudden financial circumstances, such as health-related, tuition, and funeral expenditures or to acquire a primary residence, but this does come at a steep price. Elevated taxes in the yr of withdrawal (plus a 10% early withdrawal penalty for all those below 59?) and less dollars at retirement make taking a hardship withdrawal a bad long-term alternative.
Guidelines on preparing your retirement
What to Search for and Appear Out For With Affiliate Programs
Much like with almost everything else in existence, you will find good things and bad things about affiliate applications. Learn more about every and you�ll have a healthier, happier affiliate advertising plan in location for your company.
Here is some info to help you type via the great and also the poor with affiliate applications:1. Make certain you comprehend the program before you go via the procedure of signing up and setting up advertising and sales promotions. For instance, if payout levels are so higher that you require five or much more sales before you obtain any commission, you may want to rethink your ideas in the event you require extra income now. Some affiliate programs pay immediately following a sale is produced.
And with some affiliate programs involving blogs, to be able to qualify, your weblog has to meet certain requirements, like getting the whole weblog posts show around the home page and not just excerpts. So verify in advance.two. Search for great, high quality items in the affiliate plan. Nobody wants junk, even if it�s not yours that you simply are selling. And people do keep in mind exactly where they shop. So concentrate on sustaining a great relationship and sell only great items.
3. Study the affiliate program initial to create sure members are making money. You can begin by reading through testimonials around the affiliate program websites and contacting the people who sent in positive feedback to determine if they are still satisfied and making money.
four. Some affiliate programs pay out beneath ten %, others spend 50 percent and more. In order to make probably the most ROI (return on purchase) of one's time, work and advertising campaigns and funds, choose applications exactly where their compensation strategy pays out thirty % or more as you're beginning out. If you want to go lower following you are established, you may think about altering this strategy later.5. Select affiliate programs which have items for your goal market. You want to create sure there's a require for the items, otherwise, you�ll be losing your time, effort and cash with promotions. Use totally free equipment such as the software download at GoodKeywords.com to check out the number of searches performed each month in your products� key phrases. If a minimum of ten,000 people aren't looking for your item, choose some thing else to begin with, so you've plenty of visitors possibilities.
6. Select an affiliate plan which has stats so you can monitor your progress.
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Tuesday, January 24, 2012
The Monkees Will Monkey Around No More! 45th Anniversary Tour CANCELED!
You're parents are going to be super bummed out.
If you were hoping to see Peter Tork, Mickey Dolenz and Davy Jones this summer, you better start checking Netflix for reruns of their show. It was announced today that their 45th anniversary reunion tour has been canceled for the remainder of their dates.
No [...]
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Rick Springfield Charged With Two Counts Of DUI
Bad business you've gotten yourself into, dude!
Rick Springfield was formally charged with two counts of DUI this morning stemming from his arrest in Malibu last May. Because they are just misdemeanor charges, Rick faces a maximum of 6 months in jail and a $1,000 fine. If they were felony charges, FORGET ABOUT IT!
Rick also [...]
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Monday, January 23, 2012
Pool Party Chaos! Facebook Invite Draws Thousands
Insanity!!
A Welcome Back school party at Colorado State University got OUT OF CONTROL when thousands of people showed up. Partygoers posted the invite all over their Facebook pages, which made this one cray-cray pool party!
Dozens of people were arrested and some walked away with minor injuries after fights broke out.
Violence is NOT COOL!
Watch [...]
Some more bad news for Netflix!
Not only have they raised their prices, leaving customers VERY upset, but they've also just recently lost out on their deal with Starz, dropping their stock price by 9% last Friday.
And NOW they have new competition.
The Dish Network is looking into releasing their own movie subscription that will include online streaming as well as mail and in-store rentals, AND on-demand rentals.
Dish also owns Blockbuster, which means they would be getting existing customers as well as possibly picking up the Starz deal that was broken with Netflix.
This is some major competition for Netflix and with so many customers angry at the company for raising their prices, they could very well see another drop in user subscriptions.
Yikes!! We'd think twice about our pricing decisions if we were you, Netflix! Things aren't looking good for you...
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Sunday, January 22, 2012
Move Aside, Netflix! Dish Network To Introduce Online Movie Rentals
Some more bad news for Netflix!
Not only have they raised their prices, leaving customers VERY upset, but they've also just recently lost out on their deal with Starz, dropping their stock price by 9% last Friday.
And NOW they have new competition.
The Dish Network is looking into releasing their own movie subscription that [...]
Ooooh yummy! Chris Evans in his Captain America suit gets us all hot and bothered!
Jeremy Renner and ScarJo look deelish too!
New set pics from The Avengers have been released and we're just getting more and more excited for this movie!! Check out some more pics below including some with Chris Hemsworth, director Joss Whedon, and more!
[Image via Buzz Foto.]
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Saturday, January 21, 2012
First Look: The Men Of The Hunger Games Cover Entertainment Weekly Magazine
Anderson Cooper, in his quest to become the new Oprah Winfrey, is readying the debut of his new daytime talk show — titled simply Anderson — and has released a short video trailer for the show. In the clip, Anderson shows us that he is just a regular guy … who happens to have a talk show. It’s kind of endearing, to be honest. Check out the video clip below … and prepare to be charmed.
Well played, Silver Fox … well played. I am not a big fan of daytime talk but I will deffo be tuning in on September 12 for the debut of Anderson. I’m really curious to see what Coop‘s talk show will be like. I don’t really believe that he will become the new Oprah Winfrey but I applaud him for trying. Anderson Cooper is an insanely likable guy (with great arms, btw) so his show should do well … we shall see. I’m looking forward to checking it out, are you?
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Watch: Battleship Releases A First Movie Trailer
Last night David and I met up with our good friends Darion and Nicole for a LONG overdue dinner hang session. We went to Bar Marmont at the Chateau Marmont for a nice, leisurely dinner (and were seated next to Dichen Lachman from Dollhouse and Torchwood: Miracle Day). David and I have been wanting to hang out with Nicole for WEEKS now but we could never get our schedules in sync. Thankfully, Darion took the initiative and got us all together … if only for a dinner hang.
The four of us spent a very leisurely dinner catching up with one another. Nicole is working FURIOUSLY on the return of Pop-Up Video on VH1 and shared some really fun (and harrowing) stories about the show’s production. Pop-Up Video is one of my fave shows, I am really excited for its return … and fully trust that Nicole and her team will deliver the goods.
Tonight, David and I are hanging out with Tam and Rob … we haven’t seen them in a while so I’m REALLY looking forward to catching up with them :) I understand they have some happy news to share … and I can’t WAIT to hear all about it. Happy Hump Day!
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Friday, January 20, 2012
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Maroon 5 played a headlining concert at the famed Hollywood Bowl this past Monday night and as a special treat for the folks in the audience the legendary Stevie Nicks came out on stage to duet with Adam Levine on Leather and Lace. I, unfortunately, missed seeing this special event in person … but, thankfully, someone recorded the performance and uploaded it to You Tube. In case you missed it, too, you can check out the video below.
I was lucky enough to see Stevie Nicks in concert recently and she totally blew me away. I would’ve LOVED to have been at this Maroon 5 show to see this fun duet take place in person. Alas, I’ll just have to make do with this vid clip. Sigh.
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Thursday, January 19, 2012
SIGHTing
This week, Emma Watson was spotted spending some quality time with her Perks of Being a Wallflower costar, Johnny Simmons.
Any by quality time, we mean she was sucking down his face at a Santa Monica eatery! Oh yeah, one eye witness said they "looked very loved up," and that they [...]
Yes! Yes! Yes!
David Guetta has some good taste!
The superstar French DJ/producer collaborated with one of our favorite artists, the insanely talented Sia, for his new album.
The Australian singer, who co-wrote the song, is featured on Titanium.
Check it out (above).
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Chilli And Jill Scott Debate Open Relationships On Twitter!
Will & Jada-Pinkett Smith do it. John Stamos and Rebecca Romijn did it.
Open relationships. They're the hot topic of the day.
And here to talk about it are Jill Scott and Chilli.
It all began when Jill took to her Twitter to get opinions:
What do you think about “open relationships? Been considering.
Many friends are [...]
We've seen a lot of episodes of this show - but this is the most unsettling situation by far!
This is Casie. Casie lost her husband this year and since his passing, she has been carrying his ashes around with her wherever she goes. They go to the movies, grocery shopping - she cooks for him. All the things that he used to like to eat, even if she doesn't.
But do you know what she does like to eat? His ashes!
Beyond words. We don't even know what to say! You just have to see it for yourself.
Check out the video (after the jump) to see Casie's story from My Strange Addiction.
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Tuesday, January 17, 2012
Angelina Takes The Girls To The Toy Store!
CUTENESS overload!
Our heart can't take it!
Angelina Jolie was once again spotted with her daughters Shiloh and Zahara Jolie-Pitt today in England, this time visiting a toy shop in Richmond, which was closed down specifically for the famous family to peruse during their visit!
Check out the photos (above)!
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We want to hear your best Beyonce cover!
Watch the video above for all the details!
Tell your friends!
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Monday, January 16, 2012
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Saturday, January 14, 2012
Hell Hath No Fury Like A WomanMan Scorned: Tareq Salahi Sues Ex Wife And Rocker Lover
Tareq Salahi says his reality TV dreams are ruined.
After Real Housewives of D.C.'s Michaele Salahi left him for Journey guitarist Neal Schon, Tareq is suing the pair for $17 million.
A little much?
Tareq claims that Michaele and Neal "humilated" him with the two year love affair.
His attoruney claims that the duo "profited unfairly off Tareq's [...]
They're rushin' to the newsstands with this one!
The new issue of People has some pretty intense details inside the demise of the relatonship between Ashton Kutcher and Demi Moore.
It's even sadder than we thought. Ashton's wandering eye had Demi doubting herself all the time. Her insecurities only grew because of his betrayal of commitment which led to nagging questions that, albeit justified, drove Ashton even further away.
According to a friend of Ashton's:
The marriage had been deteriorating for a long time. Ashton was ready to end it, but he wanted to wait for Demi to actually do it. He loved her but couldn't live with her.
She really wanted to save the marriage but couldn't deal with the pain of his cheating. They were fed up with each other.
If anyone was uncomfortable with the age difference, it was Demi, not Ashton. She drove him crazy after a while with questions and doubts.
Ugh. So terrible. But hey, maybe now every Tumbling woman's fanfiction can come to fruition -- maybe one day Demi will get back with Bruce Willis! ...ha! That won't be happening for a while. He seems pretty in love with his new(er) lady.
Thoughts??
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Friday, January 13, 2012
Brangelina Have A Date Night!
Flawless.
Look at this beautiful couple!
Angelina Jolie and Brad Pitt left the kiddies at home and stepped out for a romantic dinner date at the Guy Savoy restaurant in Paris.
The family is currently in France promoting Brad's animated movie, Megamind.
It's nice to see that they can still keep the romance fresh. Of course, being beautiful [...]
Dianna Agron, Cory Monteith, Jenna Ushkowitz, Mark Salling, Naya Rivera and Kevin McHale were spotted arriving in London this afternoon. The gang will be joined by the rest of the Gleeks to perform on X Factor later this week.
We can't wait!
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Thursday, January 12, 2012
Freak Bill Macy! Lonely Island Emmy Awards Performance Right Here!
This was most definitely of the HIGHlights from last night! LOLz!
Won't see this go down at the Oscars, that's for sure!
Maybe it's because the telecast was on FOX this year, but we have to say, The Emmys really delivered last night. Between Jane Lynch's opening skit to this incredible and some what random performance from [...]
Are you sure this happened while WRITING, Aaron? We know you worked on The Social Network with FIGHT CLUB director David Fincher.........LOLz!
As the story goes, Aaron Sorkin was working on some script dialogue, and while he was reciting his words into a mirror, he got too close and broke his nose!
Here's what he had to say about it:
"I wish I could say I was in a bar fight, but I broke my nose while writing."
Sorry to hear it, Aaron! We wish you a fully and speedy recovery.
Have U ever broken any bones in a bizarre way?
[Image via WENN.]
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Monday, January 9, 2012
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Thursday, January 5, 2012
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Wednesday, January 4, 2012
Does Monica Lewinsky Still Love Bill Clinton?
But even after he ruined her dress?! Ha!
We kid, we kid!
The National Enquirer is reporting that despite the affair almost ruining both their careers 15 years ago, former White House intern Monica Lewinsky is STILL in love with former President Bill Clinton!
A source explains:
"Monica still hasnât got over Bill and would take him back [...]
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Tuesday, January 3, 2012
Is Kim Kardashian The Ultimate Sports WAG?
First we need to backtrack a bit here and figure out how many athletes the Kimster [...]
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Monday, January 2, 2012
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Sunday, January 1, 2012
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