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What is a beneficiary?

A beneficiary is the recipient of the proceeds of your life insurance policy and retirement accounts when you die. Beneficiaries are categorized as primary and secondary (contingent).

Do I need to designate beneficiaries for my life insurance plans?

Yes. For the basic and supplemental plans, it's important to designate primary and secondary (contingent) beneficiaries. Without designated beneficiaries, your life insurance benefits will be paid in a particular order set by law.

You as the policyholder are automatically the designated beneficiary for any dependent life coverage. You cannot designate another person.

How do I designate my life insurance beneficiaries?

There are two ways to designate primary and secondary beneficiaries:

Learn more about designating your life insurance beneficiaries

Do I need to designate beneficiaries for my retirement plans?

Yes. Designating and maintaining beneficiaries for retirement accounts is accomplished through your retirement system (ASRS, PSPRS) or your investment provider(s) (Fidelity, TIAA, Nationwide Retirement Solutions, etc.). Log into the provider’s secure website or contact them for instructions.

What if my ex-spouse is named as my beneficiary?

A.R.S. §14-2804 revokes any provisions naming your ex-spouse as a beneficiary or as an executor, conservator or guardian. Unless your will states otherwise, your divorce automatically revokes any provisions naming your ex-spouse as a beneficiary or as an executor, trustee, conservator or guardian. If your ex-spouse is listed, you must change the beneficiary designations for your life insurance and individual retirement accounts after your divorce.

Can I designate my ex-spouse as my beneficiary after my divorce?

Yes. Your beneficiary designation with a new relationship (i.e., friend) must be executed after the date of your divorce.

Can I designate my minor children as my beneficiaries?

Some insurance companies won’t pay minor children the proceeds from a life insurance policy or retirement account. Instead, the proceeds may be paid to a legal guardian rather than a minor. You may want to designate a custodian under the Uniform Transfers to Minors Act to act on behalf of the minor to eliminate the need to appoint a legal guardian. Consult with an attorney or estate planner for guidance.

Important reminders:

A primary beneficiary is entitled to the policy or account proceeds upon your death, but such rights expire if he/she dies before you.

Sayulita
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183 Reviews
of 128 Restaurants in Sayulita
Jose Mariscal 15A , Sayulita 63737, Mexico
+52 322 183 3158
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Jose Mariscal 15A , Sayulita 63737, Mexico
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The FOGAIN (whose entire legal name is FONDO GENERAL DE GARANTÍA DE INVERSIONES) is the Investors Compensation Scheme for entities providing investment services, other than credit entities (credit entities are covered by the Fondo de Garantía de Depósitos).

The FOGAIN has been established to compensate, with the quantitative limits legally established, to those clients of any of the above entities in respect of which the following occurs:

The FOGAIN has been legally established as a Fund that is managed by a managing entity called the Gestora del Fondo General de Garantía de Inversiones, S.A. ("Gestora").

All Spanish investment firms, with the exception of EAFIS (Empresas de Asesoramiento Financiero) including portfolio managers (Sociedades Gestoras de Carteras), brokers (Agencias de Valores) and broker-dealers (Sociedades de Valores) are mandatory members ("Entidades Adheridas") of the FOGAIN. Becoming a member of the FOGAIN is mandatory for branches in Spain of foreign investment firms incorporated in a non-EU country. Branches in Spain of foreign investment firms incorporated in another EU country may also join the FOGAIN if they decide to do so.

In addition to the above, those Spanish UCITS Managers ("Sociedades Gestoras de Instituciones de Inversión Coleciva") and Managers of Alternative Investment Funds closed-ended type ("Sociedades Gestoras de Entidades de Inversión de Tipo Cerrado")authorised to provide discretionary portfolio management and other investment services and ancillary services to individuals, must also join the FOGAIN. In this latter cases, only those clients receiving that service will be covered by the FOGAIN. Consequently UCITS portfolios are not covered by the FOGAIN.

The FOGAIN is founded basically with the contributions made on an annual basis by its members. In addition to that, the FOGAIN may arrange credit transactions with commercial banks and with the CNMV in the event it were necessary to attend payment needs.

The FOGAIN is subject to supervision by the Spanish securities markets regulator (the Comisión Nacional del Mercado de Valores or CNMV).

The FOGAIN (whose entire legal name is FONDO GENERAL DE GARANTÍA DE INVERSIONES) is the Investors Compensation Scheme for entities providing investment services, other than credit entities (credit entities are covered by the Fondo de Garantía de Depósitos).

The FOGAIN has been established to compensate, with the quantitative limits legally established, to those clients of any of the above entities in respect of which the following occurs:

The FOGAIN has been legally established as a Fund that is managed by a managing entity called the Gestora del Fondo General de Garantía de Inversiones, S.A. ("Gestora").

All Spanish investment firms, with the exception of EAFIS (Empresas de Asesoramiento Financiero) including portfolio managers (Sociedades Gestoras de Carteras), brokers (Agencias de Valores) and broker-dealers (Sociedades de Valores) are mandatory members ("Entidades Adheridas") of the FOGAIN. Becoming a member of the FOGAIN is mandatory for branches in Spain of foreign investment firms incorporated in a non-EU country. Branches in Spain of foreign investment firms incorporated in another EU country may also join the FOGAIN if they decide to do so.

In addition to the above, those Spanish UCITS Managers ("Sociedades Gestoras de Instituciones de Inversión Coleciva") and Managers of Alternative Investment Funds closed-ended type ("Sociedades Gestoras de Entidades de Inversión de Tipo Cerrado")authorised to provide discretionary portfolio management and other investment services and ancillary services to individuals, must also join the FOGAIN. In this latter cases, only those clients receiving that service will be covered by the FOGAIN. Consequently UCITS portfolios are not covered by the FOGAIN.

The FOGAIN is founded basically with the contributions made on an annual basis by its members. In addition to that, the FOGAIN may arrange credit transactions with commercial banks and with the CNMV in the event it were necessary to attend payment needs.

The FOGAIN is subject to supervision by the Spanish securities markets regulator (the Comisión Nacional del Mercado de Valores or CNMV).

To obtain a list of the entities that are currently covered by the FOGAIN please click here (Spanish only).

To obtain a list of the entities that are currently covered by the FOGAIN please click here (Spanish only).

The coverage of the FOGAIN is triggered when one of the entities covered becomes insolvent and as a consequence of that, an investor cannot recover its securities and/or moneys.

Insolvency means that one of the following circumstances is present:

When any of the circumstances above is present, the FOGAIN will compensate to those firm's clients that comply with certain legal requirements.

The coverage of the FOGAIN is triggered when one of the entities covered becomes insolvent and as a consequence of that, an investor cannot recover its securities and/or moneys.

Insolvency means that one of the following circumstances is present:

When any of the circumstances above is present, the FOGAIN will compensate to those firm's clients that comply with certain legal requirements.

In order to be entitled to receive a compensation from the FOGAIN an investor must fulfil the following conditions:

In order to be entitled to receive a compensation from the FOGAIN an investor must fulfil the following conditions:

If you are an investor, and you think that you are entitled to obtain a compensation from the FOGAIN according to that stated in the previous Section, you may deliver an application form to the SOCIEDAD GESTORA DEL FONDO GENERAL DE GARANTÍA DE INVERSIONES, S.A. (which is the company that manages the FOGAIN) attaching a copy of your updated identification card .

The form can be delivered directly in the offices of the FOGAIN, attaching a copy of it so that you can keep a registered copy with you.

You can also send the form with copy of it attached, to the FOGAIN offices by courier or by mail. The FOGAIN will, in this latter case, send you back a registered copy of your form.

The address of the FOGAIN offices are the following: Paseo de la Habana, 82, 1º Dcha, 28036 MADRID, Spain.

Once the FOGAIN had received your application form, it will conduct a number of checking activities to assert that you had a credit position vis a vis the insolvent firm and you have not been able to recover it. To this end, the FOGAIN may request from you the remittance of additional documentation or additional information. Please note that conducting these checking activities is mandatory for the FOGAIN and that it may take some time to finish them.

Once the FOGAIN has checked that you have a credit position the insolvent firm, and provided that you are not one of theinvestors excludedfrom the coverage of the FOGAIN, you will be recognized to have a right to a compensation, and will be informed of the relevant amount.

In the event that you do not agree with the FOGAIN resolution, you may let it know and provide the FOGAIN with any additional documents or allegations you may deemed appropriate.

Any final resolution by the FOGAIN is subject to revision of the ordinary Courts.

If you are an investor, and you think that you are entitled to obtain a compensation from the FOGAIN according to that stated in the previous Section, you may deliver an application form to the SOCIEDAD GESTORA DEL FONDO GENERAL DE GARANTÍA DE INVERSIONES, S.A. (which is the company that manages the FOGAIN) attaching a copy of your updated identification card .

The form can be delivered directly in the offices of the FOGAIN, attaching a copy of it so that you can keep a registered copy with you.

You can also send the form with copy of it attached, to the FOGAIN offices by courier or by mail. The FOGAIN will, in this latter case, send you back a registered copy of your form.

The address of the FOGAIN offices are the following: Paseo de la Habana, 82, 1º Dcha, 28036 MADRID, Spain.

Once the FOGAIN had received your application form, it will conduct a number of checking activities to assert that you had a credit position vis a vis the insolvent firm and you have not been able to recover it. To this end, the FOGAIN may request from you the remittance of additional documentation or additional information. Please note that conducting these checking activities is mandatory for the FOGAIN and that it may take some time to finish them.

Once the FOGAIN has checked that you have a credit position the insolvent firm, and provided that you are not one of theinvestors excludedfrom the coverage of the FOGAIN, you will be recognized to have a right to a compensation, and will be informed of the relevant amount.

In the event that you do not agree with the FOGAIN resolution, you may let it know and provide the FOGAIN with any additional documents or allegations you may deemed appropriate.

Any final resolution by the FOGAIN is subject to revision of the ordinary Courts.

Address of the FOGAIN Managing Entity:

Paseo de la Habana, 82, 1º Dcha. 28036 Madrid (Spain)

Telephone: + 34 91 443 06 50.

Address of the FOGAIN Managing Entity:

Paseo de la Habana, 82, 1º Dcha. 28036 Madrid (Spain)

Telephone: + 34 91 443 06 50.

PASEO DE LA HABANA, 82 1º Dcha. 28036 MADRID

+34 91 443 06 50

With traditional Periodization, this means that a workout will 'work' for at most 3-6 weeks. This is when we change the routine to prevent staleness, introduce a new stimulus and keep the body adapting positively

With undulating Periodization and the variable rep system, you will train each body part twice per week, yet you will not repeat the same workout for more than ten days. This means the body will not have adapted, i.e. you won't need to begin a new routine for close to ten weeks, despite the fact you are hitting each body part twice per week.

The May 2002 issue of The Journal of Strength and Conditioning Research reported that experienced strength trainers who followed this type of training program doubled strength increase as compared to a traditional training, control group. It concludes that ongoing strength gains for those who have hit plateaus may be preferentially accrued from this type of training.

In the interests of clarification, I have enclosed a workout split - based on an upper-lower-body split - with some basic exercises. You do not need to follow this split, nor do you need to select these exercises. What you do need to stick to though is the sets and rep parameters.

In this example, we train upper body on Mon and Thu, and lower body on Tues and Fri. Just move to the next workout in the program until you have repeated each workout 4-6 times.

Incline Dumbbell Press

Below is a three week program.

Upper Body: Monday Thursday
Workout one and four: 5 sets of 5 reps, Workout two and five: 3 sets of 15 reps, workout three and six: 4 sets of 10 reps
Workout one and four: 5 sets of 5 reps, Workout two and five: 3 sets of 15 reps, workout three and six: 4 sets of 10 reps
Workout one and four: 5 sets of 5 reps, Workout two and five: 3 sets of 15 reps, workout three and six: 4 sets of 10 reps
Workout one and four: 5 sets of 5 reps, Workout two and five: 3 sets of 15 reps, workout three and six: 4 sets of 10 reps
Workout one and four: 5 sets of 5 reps, Workout two and five: 3 sets of 15 reps, workout three and six: 4 sets of 10 reps
Workout one and four: 5 sets of 5 reps, Workout two and five: 3 sets of 15 reps, workout three and six: 4 sets of 10 reps
Workout one and four: 5 sets of 5 reps, Workout two and five: 3 sets of 15 reps, workout three and six: 4 sets of 10 reps
"For six weeks give this program everything you've got and you'll be well on your way to new strength and muscular development."
Lower Body: Tuesday Friday
Workout one and four: 4 sets of 10 reps, Workout two and five: 5 sets of 5 reps, workout three and six: 3 sets of 15 reps
Workout one and four: 4 sets of 10 reps, Workout two and five: 5 sets of 5 reps, workout three and six: 3 sets of 15 reps
Workout one and four: 4 sets of 10 reps, Workout two and five: 5 sets of 5 reps, workout three and six: 3 sets of 15 reps
Workout one and four: 4 sets of 10 reps, Workout two and five: 5 sets of 5 reps, workout three and six: 3 sets of 15 reps
Workout one and four: 4 sets of 10 reps, Workout two and five: 5 sets of 5 reps, workout three and six: 3 sets of 15 reps

This training system is probably quite unlike anything you are used to seeing. That's exactly what you need. If your body hasn't experienced anything like it before - imagine the possibilities of the results at the end of one cycle. Give it a real life test run, record everything you can - body fat, weight and strength levels etc. For six weeks give this program everything you've got and you'll be well on your way to new strength and muscular development.

University of Bristol, Senate House, Tyndall Avenue, Bristol, BS8 1TH , UK. Tel: +44 (0)117 928 9000

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