By Gladys Lawrence, AFCPE-FINRA Foundation Military Spouse Fellowship InternEvery year more than a billion dollars in life insurance benefits go uncollected mainly because beneficiaries do not file claims. How can military families ensure that their loved ones collect the money that they intended their beneficiaries to have?Keep life insurance policies in a safe place. A safe deposit box, safe, or designated home filing system is recommended. Ensure that one or more trusted people also have access to insurance documents, if military families chose to put them in a safe or safe deposit box. These people should have a separate key. This is a small but important point: check to see that all keys to box actually work properly. If life insurance policies are put in a safe, make sure one or two other trusted persons have the combination to the safe.Advise service members to make a list with the names of the insurance companies, phone numbers, policy numbers, pay off amounts, and the name(s) of beneficiaries. Use this form from Rutgers Cooperative Extension to record important financial data. File this list away and let trusted family or friends know about it or physically given another copy to them. Policyholders can also put a copy in their safe deposit box or safe.Remember, taking a few simple steps now can save a service member’s family money and stress during a very vulnerable time in their lives.This post was published on the Military Families Learning Network Blog on August 2, 2013
Read Next Eric Gordon scored 17 points on 4-of-7 shooting from 3-point range. Southwest Division-leading Houston was up and down from beyond the arc, going 10 of 14 in the first quarter and 2 of 15 in the second.The Rockets finished two shy of their season high in 3s, going 21 of 51. Harden shot 6 of 10 and Ariza was 5 of 14. Chris Paul went 3 of 8 and had 12 points, seven rebounds and four assists.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSLillard, Anthony lead Blazers over ThunderSPORTSMalditas save PH from shutoutWesley Matthews matched his season high with 29 points for the Mavericks, who lost for the seventh time in 10 games since a season-best four-game winning streak that helped lift them out of last place in the West. Yogi Ferrell scored 19, going 4 of 5 from long range.Ariza, who combined with Harden and Chris Paul to go 9 of 10 from 3-point range in the first quarter, was suspended two games for entering the Clippers’ locker room after a feisty game in Paul’s first game against his former team since the offseason trade that sent him to Houston. John Lloyd Cruz a dashing guest at Vhong Navarro’s wedding Don’t miss out on the latest news and information. Mavericks: Portland at home on Friday. Slow and steady hope for near-extinct Bangladesh tortoises Typhoon Kammuri accelerates, gains strength en route to PH LATEST STORIES Kammuri turning to super typhoon less likely but possible — Pagasa Houston Rockets guard James Harden (13) celebrates sinking a three-point basket in the first half of an NBA basketball game against the Dallas Mavericks on Wednesday, Jan. 24, 2018, in Dallas. (AP Photo/Tony Gutierrez)DALLAS — James Harden scored 25 points after getting named to his sixth straight Western Conference All-Star team and the Houston Rockets beat the Dallas Mavericks 104-97 on Wednesday night.Trevor Ariza had 23 points as the Rockets beat their Texas rivals for the sixth straight time, a streak that started with a four-game sweep last season. Houston won its fourth straight game and seventh in the past nine.ADVERTISEMENT Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles00:59Sports venues to be ready in time for SEA Games01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City Globe Business launches leading cloud-enabled and hardware-agnostic conferencing platform in PH NEXT BLOCK ASIA 2.0 introduces GURUS AWARDS to recognize and reward industry influencers Brace for potentially devastating typhoon approaching PH – NDRRMC Simmons’ triple-double helps 76ers top Bulls MOST READ Clint Capela had 16 points and 13 rebounds. That included an alley-oop dunk on a pass from near midcourt by Harden in the fourth quarter, when the Rockets took their biggest lead at 20 after a 15-point edge in the first 6 minutes was cut to six at halftime.NO CP3Rockets coach Mike D’Antoni wasn’t thrilled that Paul was left off the All-Star team. The nine-time All-Star missed 14 games with a left knee injury and another three with a left abductor strain. But the Rockets are 24-5 in games he has played, and won his first 15 starts. He entered the Dallas game averaging 19.1 points, 8.9 assists, 5.9 rebounds and 1.9 steals per game. “People that should be watching games don’t watch the games and see how important a guy is,” D’Antoni said. “It’s perplexing.”TIP-INSRockets: Capela extended a career best with his 11th straight double-digit scoring game, and the Rockets improved to 16-2 when he scores at least 15. … Houston was just 11 of 23 on free throws, in part because Harden, an 87 percent free-throw shooter, matched his season low with two attempts.Mavericks: Rookie PG Dennis Smith Jr. was chosen for the Rising Stars game, and coach Rick Carlisle has been campaigning for him to be in the dunk contest during All-Star weekend. Smith is among rookie leaders in points, assists and steals. … G Kyle Collinsworth was signed to a second 10-day contract. … G Devin Harris, who has been in the concussion protocol, missed his second straight game and will be out at least two more, coach Rick Carlisle said. … Dirk Nowitzki scored seven points in a season-low 15 minutes.UP NEXTRockets: At New Orleans on Friday.ADVERTISEMENT 2 ‘newbie’ drug pushers fall in Lucena sting View comments
FEU Auditorium’s 70th year celebrated with FEU Theater Guild’s ‘The Dreamweavers’ 5 PH footballers begin camp, nurse dreams of trip to Munich “The club will pass on to UEFA the details of the above operation so that they can determine the disciplinary responsibilities that may arise from this case,” continued the Barca statement.Sports Related Videospowered by AdSparcRead Next Ethel Booba on hotel’s clarification that ‘kikiam’ is ‘chicken sausage’: ‘Kung di pa pansinin, baka isipin nila ok lang’ MOST READ READ: Neymar’s long road to football transfer historyPSG said that Neymar will be unveiled at a press conference at the club’s Parc des Princes at 1130GMT on Friday.He will then be presented to fans at the same ground at 1345GMT on Saturday before the season-opening Ligue 1 fixture against promoted Amiens.The transfer is more than double the previous world record set by Manchester United’s capture of Paul Pogba from Juventus last year for 105 million euros, leaving many commentators aghast at the rampant inflation in football transfer fees.Leading coaches such as Arsenal’s Arsene Wenger and Manchester United’s Jose Mourinho lamented that the move could cause even greater inflation in transfer fees and player wages.ADVERTISEMENT LATEST STORIES Church, environmentalists ask DENR to revoke ECC of Quezon province coal plant View comments Don’t miss out on the latest news and information. Robredo should’ve resigned as drug czar after lack of trust issue – Panelo In this Saturday, May 27, 2017 file photo, Barcelona’s Neymar celebrates at the end of the Copa del Rey final soccer match between Barcelona and Alaves at the Vicente Calderon stadium in Madrid, Spain. Neymar has told Barcelona that he plans to leave the club, with a blockbuster move to Paris Saint-Germain seemingly imminent. Barcelona responded shortly after his announcement Wednesday, Aug. 2, 2017 with a statement saying the Brazil striker’s 222 million euro ($262 million) release clause must be paid in full, a scenario which until recently seemed beyond the reach of any rival. AP FILEPARIS—Neymar’s world record move to Paris Saint-Germain (PSG) was completed Thursday when the French club confirmed the Brazilian superstar had signed a five year-deal, earning him an estimated 30 million euros ($35.5 million) a year.The deal was signed just hours after the 25-year-old paid off his 222 million euro ($264 million) buyout clause to Barcelona.ADVERTISEMENT READ: 222 million euro deal for Neymar ‘not expensive’, says Mourinho“It also looks like the inflation is accelerating,” said Wenger, whose 21 years at Arsenal have been characterized by prudent spending.“It’s beyond calculation and beyond rationality.”However, in the French capital there is huge excitement at PSG’s Qatari-backed project having landed a star name to finally make them feared among European football’s elite with even French president Emmanuel Macron enthused.“It adds attractiveness. Yes, it’s good news,” said Macron.“Neymar to PSG — the transfer of the century”, splashed Le Parisien’s front page on Thursday with the first five pages devoted to his impending arrival.The mood is understandably more sombre in Barcelona where attention has turned to who the Catalans can sign to replace Neymar in the month before the transfer window closes.Neymar’s Brazilian international teammate Philippe Coutinho of Liverpool and Borussia Dortmund’s Ousmane Dembele have both been linked.There is also scepticism at the role played by PSG’s owners Oryx Qatar Sports Investments (QSI) at a time of political crisis for the energy-rich state which has been boycotted by its Gulf neighbours in recent months and will play host to the World Cup in 2022.‘State signing’ DILG, PNP back suspension of classes during SEA Games Lacson: SEA Games fund put in foundation like ‘Napoles case’ Trump strips away truth with hunky topless photo tweet Spanish newspaper El Mundo described the move as a “state signing.”But whilst La Liga protests at losing one of its biggest stars, Barca’s players have continued to wish their now former teammate well.“My friend I wish you the best in everything that comes!!!” Luis Suarez posted on Instagram alongside a picture of the two hugging.“Also thank you for your support, for everything that I learned with you and for the unique moments that we spent together!!!! Keep like this and never change love you little bro.”Earlier Thursday, Spain’s football league threatened to stall the saga by initially refusing to accept the check presented by Neymar’s representatives at its Madrid headquarters.La Liga president Javier Tebas had accused the French club of breaching UEFA’s financial fair play rules.Clubs can be sanctioned by European football’s governing body for making a loss of more than 30 million euros over a three-year period.However, UEFA insisted the move will not automatically trigger a failure to comply with FFP regulations.“The transfer of Neymar to PSG will have an effect on the club’s finances over several years but the impact of such an operation cannot be judged in advance, notably as PSG could well sell several players for a significant amount,” UEFA said in a statement to Agence France-Presse.Barca added that they will aid UEFA in any future enquiry into whether the French side fell foul of regulations. Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games National Coffee Research Development and Extension Center brews the 2nd National Coffee Education Congress “I am extremely happy to join Paris Saint-Germain,” said Neymar.“Since I arrived in Europe, the club has always been one of the most competitive and most ambitious. And the biggest challenge, what most motivated me to join my new teammates is to help the club to conquer the titles that their fans want.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSWin or don’t eat: the Philippines’ poverty-driven, world-beating pool stars“Paris Saint-Germain’s ambition attracted me to the club, along with the passion and the energy this brings. I played four seasons in Europe and I feel ready to take the challenge.“From today, I will do everything I can to help my new teammates, to open up new horizons for my club and to bring happiness to its millions of supporters around the world.”
When Argentina clash with Germany in the FIFA World Cup 2014 final on Sunday, all eyes will be on Lionel Messi, who carries the hopes of an entire football-crazy nation, just like another sporting legend Sachin Tendulkar used to every time he walked out to bat for India.An Argentina soccer fan wearing a Lionel Messi jersey sits in the Terreirao do Samba, used by World Cup fans as a campground in Rio de Janeiro, Brazil, Friday, July 11, 2014. Argentina will face Germany at the final World Cup match on Sunday. AP PhotoAlso Diego Maradona’s love for Messi may remind Indian sports lovers of Sunil Gavaskar, whose exploits in 1970s and 1980s used to inspire Sachin to bring the World Cup for his country once again prior to the 2011 Cricket World Cup, just as the former Argentine player’s exploits in 1986 – when he got his country the Cup that mattered – has been a source of inspiration for the four-time world player of the year (Messi).ALSO READ: World Cup final: Magical Messi or united Germany? Lionel Messi is gifted with talents that most footballers can only dream of. What makes him special is that he possesses not just one or two but a combination of special skills that give him an edge over just about everyone.Gary Lineker, who won 80 England caps and had seen the ‘Hand of God’ goal from the close quarters at the 1986 World Cup in Mexico, has called Messi “the most wonderfully gifted player I have seen, certainly since Maradona”.advertisementAlthough he hasn’t played brilliantly in every game of this World Cup, Messi’s talents have been on display on Argentina’s road to Sunday’s final against Germany. AP recounts five traits that explain what makes the Argentina captain so difficult to stop. These five traits mark him out for the Cup he so passionately hopes for.___SPEEDFILE – The July 3, 2010 file photo shows Germany’s Miroslav Klose, left, walking past Argentina’s Lionel Messi as he celebrates after scoring his team’s fourth goal during the World Cup quarterfinal soccer match between Argentina and Germany at the Green Point stadium in Cape Town, South Africa. Germany won 4-0. On Sunday, July 13, 2014, Germany and Argentina will face each other again in the final of the 2014 soccer World Cup. AP PhotoThere are plenty of players who could outrun Messi in a 100-meter dash. But running with the ball is a different story. Messi can control the ball at close to top speed, making him an excellent dribbler. Also, it’s his acceleration rather than his top speed that cuts up defenses. Few defenders can keep up when Messi revs up from standstill, creating space for his left-foot shot.___BALANCEArgentina’s Lionel Messi sits during a training session in Vespesiano, near Belo Horizonte, Brazil, Thursday, July 10, 2014. On Sunday, Argentina faces Germany for the World Cup final soccer match in Rio de Janeiro. AP PhotoLike former Argentina great Diego Maradona, Messi uses his short stature to his advantage. His low center of gravity enables him to make quick turns and to stay on his feet when challenged. Often, the only way to knock him off balance is to foul him. Defenders at the World Cup have been taking turns tackling Messi to spread the risk of getting booked around the team.___ACCURACYArgentina’s Lionel Messi pumps his fists after Argentina defeated the Netherlands 4-2 in a penalty shootout after a 0-0 tie after extra time to advance to the finals after the World Cup semifinal soccer match between the Netherlands and Argentina at the Itaquerao Stadium in Sao Paulo Brazil, Wednesday, July 9, 2014. AP PhotoMessi is one of the world’s top free-kick takers, striking the ball with impressive accuracy with his magic left foot. Almost always he hits the target or just misses it – you rarely see Messi blast a free kick five meters over the crossbar. In Argentina’s final group-stage match, Nigeria gave Messi two free kick opportunities near the penalty area toward the end of the first half. He elegantly curled the first one over the wall, but goalkeeper Vincent Enyeama was well-positioned and stopped it. By the second free kick, Messi had fine-tuned his aim, and struck the ball perfectly inside the post. Enyeama jokingly asked the referees during the break to not give Messi any more free kicks.___PATIENCEArgentina’s Lionel Messi celebrates with Maxi Rodriguez after Argentina defeated the Netherlands 4-2 in a penalty shootout after a 0-0 tie after extra time to advance to the finals during the World Cup semifinal soccer match between the Netherlands and Argentina at the Itaquerao Stadium in Sao Paulo Brazil, Wednesday, July 9, 2014. AP PhotoPatience is a perhaps and underrated virtue for a football player, and it’s one that has served Messi well in the World Cup. Every opponent has come with a plan to stop him, by closing down his space and tackling him as soon as he touches the ball. As a result Messi has looked out of the game for long periods. But instead of hanging his head and getting frustrated, Messi keeps looking for openings, patiently awaiting a moment when defenders take their focus off him for just a split second. That’s when he strikes. Against Iran, that moment came in injury time when he scored his second goal of the tournament. Against Switzerland, it happened in extra time as he set up Angel Di Maria’s winning goal with a piercing run down the middle.___advertisementINTELLIGENCEArgentina’s Lionel Messi is hugged by a teammate after Argentina defeated the Netherlands 4-2 in a penalty shootout after a 0-0 tie after extra time to advance to the finals during the World Cup semifinal soccer match between the Netherlands and Argentina at the Itaquerao Stadium in Sao Paulo Brazil, Wednesday, July 9, 2014. AP PhotoMessi also stands out for his ability to read the game, mapping out paths to the opponent’s goal in his mind before the opponent does. That’s key to understanding why he’s such a prolific scorer. Knowing by instinct where a gap will open up for a quick pass or shot gives him an advantage over others, though it can also complicate things for the team. Sometimes Messi lets chances slip away by being too smart for his Argentina teammates, who don’t gel with him to the same degree as Andres Iniesta and Xavi Hernandez in Barcelona.