We continue to believe Alcoa will be a big beneficiary of an improving economy as the company's products are used in a wide array of industries and its cost cutting measures will have a positive impact on earnings.

FORBES: Sagging Economy Can't Foil Alcoa

If you're one of 170, 000 customers who now have different beneficiaries named for separate IRAs of the same type or different beneficiaries for different mutual funds within a single IRA, Vanguard will apply the newest beneficiary form to all your IRAs of one type--unless you contact Vanguard and direct otherwise.

FORBES: Is it time to move your IRA?

The key to making a quiet trust work, he says, is to see from the start that the trustee reports regularly to someone, such as a relative or close family friend, who is sharp, will ask questions and is aware of the beneficiary's situation.

WSJ: Can You Trust Your Kid With $5.25 Million?

They also aim at building up a critical mass of experience and knowledge, both in government institutions and in civil society, so that the beneficiary countries will be equipped with an appropriate sustainable framework for safeguarding intangible heritage and implementing the Convention on a long term basis.

UNESCO: Tous les ��v��nements | Organisation des Nations Unies pour l'��ducation, la science et la culture