traditionally Ricotta is made from left over liquids (called Whey) from cheese making. Cottage cheese is made from milk in the first run. Today ricotta is made of fresh milk and not the leftovers, but still it is made from the whey - so its almost like the tradition of making it from left overs.
In some circumstances, it is beneficial for beneficiaries to change a Will for tax purposes after the deceased's death. This can be done through a Deed of Variation, sometimes referred to as a Deed of Family Arrangement.n some circumstances, it is beneficial for beneficiaries to change a Will for tax purposes after the deceased's death. This can be done through a Deed of Variation, sometimes referred to as a Deed of Family Arrangement.
This means the beneficiary cannot be changed without the consent of that same beneficiary. The policy itself will indicate whether or not a beneficiary is irrevocable. The best way to change the beneficiary is to call your life insurance agent, who will help you fill out a form indicating the new primary beneficiary.