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New York Life Insurance Beneficiary Change Form
Surviving Secondary Beneficiary ies I have read and understand the HOW DO BENEFICIARY DESIGNATIONS WORK section and if applicable the NOTICE REGARDING TESTAMENTARY TRUST UNDER LAST WILL AND TESTAMENT on Page 5 of this form. Beneficiary changes to all life and variable annuity policies where the policyowner resides in MASSACHUSETTS require the signature of a witness below. If you have an Asset Allocation Whole Life product the word policy ies refers to certificate s. EXAMPLES OF BENEFICIARY...
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How do you fill in a State University of New York at Oswego transcript request?
In all USA institutes all aspiring foreigner students are required to submit their academic record of their native country, endorsed by the school or college in original and these documents shall be NOT be returned.If you are applying for pre-college / pre-university courses, you will submit your school records. If applying for post graduate courses then submit your marks list of your graduated course.Transcript = Marks list, academic records (certificates of class performance) these are the documents which you need to take from your college i.e. take duplicate mark sheets or take color photocopies & get it endorsed by your school or college, and submit it in YOUR school / college LOGO sealed envelope.Sometimes, they may not accept color photocopies also, in such case, go back to your school or college and take duplicate marks sheet / qualifying exam completion certificate get it endorsed by the school or college and then submit.Remember : Be careful = Do not submit your ORIGINALs for they will NOT BE RETURNED. -
How does the quality of life compare between London and New York City?
I've lived in both cities. Really depends what you want. New York is a city that you immediately fall for. London is an affection that grows steadily on you over time.New York is more fast-paced and far more dense. It's more obvious exactly what is open late until 4 a.m. and what isn't. The city has an energy that stretches the limits of how long you think it is possible for a human being to be awake. Public transportation is very, very cheap and it's fast to get from one side of the city to the other. On average, if you were to pick a random restaurant, I think the food is better. London is more like a collection of villages that have grown into each other over 1,000 years. It's lower density and I believe it takes longer to get from one side of the city to another. The Tube only runs until 12:30 or 1 a.m. (But the really edgy part of London -- Hackney & Dalston -- is only a short bus ride or maybe even walking distance from the financial center if you're liberal about what you consider its boundaries. Lower Manhattan, while extraordinarily fun to live in, is over-commercialized. The unique little shops and curiosities that made it an unusual place to live increasingly feel more like a vestige of the past to me there. Chains are kinda taking over.) I personally think the artistic culture is far less commercial and much more innovative in London than New York. The Arts Council supports all kinds of local, eccentric and home-grown projects. Fashion is quirkier and more original. Alexander McQueen, I think, could have really only come from the U.K. and Central St. Martins. New York's designers and artists think about what will sell. London's artists think about what is conceptually new, even if it is difficult and considered unattractive now.London is also a more international city than New York. (I say this somewhat controversially). While about one-third of Londoners and New Yorkers are foreign born, America encourages more of a hyphenated sense of identity. People are Mexican-American, or Ethopian-American, or Chinese-American. In that sense, while New York may be international, the U.S.'s comparatively prohibitive immigration policies mean people try to stay in the country for a longer period of time and become more assimilated than they do in London, where dozens of other countries are literally an hour's flight away. Travel, of course, is a major plus in London. You can you get away for ~$100 to Andalusia, Morocco, Turkey, Berlin, Milan, Rome, etc. Travel is deeply ingrained into the culture and Londoners now legally have five weeks of holiday a year.London's food culture is improving, but you really have to know where to go and when. Over the past several years, Brits have come to embrace and elevate their own cuisine and local produce. I love the different mix of international cuisines there too. Growing up in California meant I considered Italian, Mexican and Chinese to be the great trinity of foreign cuisine. In Britain, chicken tikka masala and the Turkish kebab rule. Sunday roasts also seem to be the functional equivalent of the Manhattan brunch. One of my favorite things to do in London was get lost in the Sunday markets -- Broadway Market, Upmarket, Borough Market, Brixton -- really, any of them. There are hundreds of stands where you can find the best hog roast, cheese brought in overnight from France, nduja from Calabria, octopus balls, banh mi, spanakopita, curry, Ghanaian stew, bizarre T-shirts or whatever. If you want to stay out very, very late, you also have to know where to go. Most places close down around 1 or so. The drinking culture is also far more onerous on your liver. A week of Manhattan drinking is more distributed. It might involve cocktails and wine on several nights, with some extra drinking on weekends. A week of London drinking and the culture of buying rounds -- where everyone is expected to buy a round of drinks for everyone else -- means you end up drinking WAY more than you should. If I went out drinking with a group of eight people, all eight people would end up buying drinks for everyone else. And then I would buy eight drinks for everyone (which is way more than I would ever pay for in the U.S. being a small-ish woman).If you're American, it's much easier to find a social circle in New York. Americans are just much more open to loose and sudden friendships. With Brits, you have to know them for at least a couple months until they feel really comfortable with you. You can apply this same line of thinking to dating -- except when Londoners go on the lash, which is probably the only time some Brits feel truly comfortable with themselves. (Just teasing!) In New York, the upside and the downside of dating is the paradox of choice. Enough said there. There are entire TV shows, movies and books devoted to this problem. Almost every New Yorker will tell you that they love the city and would have a hard time living anywhere else in the world. Virtually no Londoner will tell you the same thing about London. They will moan about the weather and reminisce about their holiday in Phuket, Ibiza, etc. Don't mistake this for misery (most of the time). Brits and Americans just have different ways of expressing themselves. Londoners find our flagrant use of "Amazing!" "Awesome!" and "Love!" as tiring and insincere as we find their lack of eye contact and smiling (amongst strangers) cold and dispassionate. Also, talking about what your job is or asking the requisite "What do you do in the city?" question immediately is a faux pas in London. The vulgarity of that question also probably has a little to do with how Britain is a class-based society where a person's stature in life should be readily apparent through their accent, demeanor and dress to other Brits. This isn't the case in the U.S. so Americans tend to probe more, especially in New York, where a person's career is a major -- if not the most important -- part of their identity. Then of course, there's the cliche that Americans live to work, while continental Europeans work to live. The British tend to be somewhere in between those extremes. In Britain, frivolous banter is a high art. Talking about nothing can be a way to probe a person's intelligence, wit and creativity.I can't really compare costs at this point since the pound is so weak. When I lived in London, GBP-USD ranged from ~$1.40 to $2.10. When the pound was hovering near its peak, the daily costs of living were extraordinarily high, but rent took up a comparatively smaller share of my monthly income than it did in New York. Health care is also free (er, nationalized) in the U.K. I can't speak for older people who are likely to have more serious health problems, but for a younger person in good health, this was awesome. No having to stress about what's covered and what's not, figure out who is a provider and who is not, be shocked by unanticipated co-pays that were not listed in the original health plan marketing material, be sent random $200 or 300 bills for a routine annual when your doctor for whatever reason can't bill your health insurance provider, have expensive, unnecessary tests or consultations pushed upon you, worry when you're in between jobs, or re-figure everything out again when you change jobs or your company gets acquired. Also, the very best essay I have ever read about the experience of a young person in New York was written by Joan Didion: http://www.mtholyoke.edu/~zkurmu... -
How do I respond to a request for a restraining order? Do I need to fill out a form?
As asked of me specifically;The others are right, you will likely need a lawyer. But to answer your question, there is a response form to respond to a restraining order or order of protection. Worst case the form is available at the courthouse where your hearing is set to be heard in, typically at the appropriate clerk's window, which may vary, so ask any of the clerk's when you get there.You only have so many days to respond, and it will specify in the paperwork.You will also have to appear in court on the date your hearing is scheduled.Most courts have a department that will help you respond to forms at no cost. I figure you are asking because you can't afford an attorney which is completely understandable.The problem is that if you aren't represented and the other person is successful in getting a temporary restraining order made permanent in the hearing you will not be allowed at any of the places the petitioner goes, without risking arrest.I hope this helps.Not given as legal advice- -
How does quality of life in Paris compare to that in New York City?
I lived in NYC for over 10 years, and now live in Paris. If all things were equal in terms of language and immigration status, I would definitely say daily life in New York is harder.NYC is more expensive than Paris (though you do get paid more too), you work all the time and the grind of the metro and pizza rats and crazy people exposing themselves can wear you down. Paris can be crowded, Paris can smell sometimes and Paris definitely has rats, but compared to The Big Apple there is no question life is a little easier in the City of Lights. If money is no object, NYC is my choice though.There are also more protections for residents in terms of healthcare and job security in Paris. No one goes bankrupt because they don’t have insurance or gets fired for no reason.The daily lifestyle isn’t that different however. You don’t need a car, people come visit a lot, and you can go out to eat in a different place every night for a year if you wanted.I wrote a whole article on the differences between Paris and NYC if you are interested to hear more about my experience: Life in Paris vs New York City -
What are some ways in which moving to New York has changed your life for better?
I probably do a lot more walking than the average 56-year-oldI Became a Chinese Food snob (which is probably a good idea for health reasons).I know people from all over the world!….. which reminds me how lucky I am to have been born in the USA!I came to abhor littering.I learned that no one is wealthy enough to be a dick… Trump is not 1/2 as rich as Bloomberg Who is not 1/2 as rich as Kravis who is not 1/2 as rich as Koch.I can practice my Spanish all the time!I came to believe that since I don’t know what or who anyone else does in bed what possible business is it of mine if anyone is gay, bi, trans or whatever?I don’t care who is in the limo.Beautiful women are like stars in the sky, they are alluring, usually out of signNow, and there’s a gazillon of them everywhere.I learned several Irish, Italian, polish, and Yiddish expressions -
I am applying for a job as Interaction Designer in New York, the company has an online form to fill out and they ask about my current salary, I am freelancing.. What should I fill in?
As Sarah said, leave it blank or, if it's a free-form text field, put in "Freelancer".If you put in $50k and they were thinking of paying $75k, you just lost $25k/year. If you put in $75k, but their budget only allows $50k, you may have lost the job on that alone.If you don't put in anything, leave it to the interview, and tell thm that you're a freelancer and adjust your fee according to the difficulty of the job, so there's no set income. If they ask for how much you made last year, explain that that would include periods between jobs, where you made zero, so it's not a fair number.In any financial negotiation, an old saying will always hold true - he who comes up with a number first, loses. Jobs, buying houses - they're both the same. Asking "How much?" is the better side to be on. then if they say they were thinking of $50k-$75k, you can tell them that it's just a little less than you were charging, but the job looks to be VERY interesting, the company seems to be a good one to work for and you're sure that when they see what you're capable of, they'll adjust your increases. (IOW, "I'll take the $75k, but I expect to be making about $90k in a year.")They know how to play the game - show them that you do too. -
Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?
Departments of education and school districts always have to make decisions about what to include in their curriculum. There are a lot of life skills that people need that aren't taught in school. The question is should those skills be taught in schools?I teach high school, so I'll talk about that. The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically. For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought. In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large. In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people. If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge. We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need. Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that? Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out. If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability to figure out. It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe. The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble. They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?
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What bank does New York Life use?
Bank-Owned Life Insurance (BOLD). Bank Owned Life Insurance (BOLI) is used by financial institutions to informally fund corporate obligations in connection with certain liabilities and various types of employee benefit plans. -
What does New York Life sell?
As a New York Life agent, you'll offer valuable life insurance, fixed annuities, long-term care insurance, and other products for insurance and retirement planning-from a company that has paid 99.9% of its claims. -
Is New York Life a pyramid scheme?
"This is a pyramid scheme scam” ... New York Life is a scam operation. They force you to study and pass both the HEvalth and Life Insurance license exams in just a few months when in rEvality the HEvalth test is a nightmare of changing rules and laws every year and the test is not current with the new laws. It's a joke. -
Does New York Life sell stocks?
All publicly traded companies listed on the New York Stock Exchange, NASDAQ, and American Stock Exchange are available for trading as well as Brokerage CDs, U.S. government securities, municipal bonds, corporate bonds, unit investment trusts (Its), and mortgage-backed securities. -
What does New York Life do?
New York Life Insurance Company. Since World War II New York Life has maintained its competitive edge by diversifying into group insurance, hEvalth care, annuities, and mutual funds. Its policies represent over $300 billion in insurance coverage.
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