This means that â in the absence of a trust â the state will take care of their interests until your beneficiaries are adults. Your life insurance policy is a different kettle of fish though. Even if your nominated beneficiary is a minor, stipulatio alteri will be enforced as though they were adults. This means that the state will have no say over the proceeds of your policy and the insurer will pay the money directly to your minor beneficiary regardless of whether he or she is 18 months or 18 years old.
The delay between when you see lightning and when you hear thunder occurs because sound travels much, much slower than light. Sound travels through air at about 1100 to 1200 feet per second (our default is 1150). That is a little more than one mile per five seconds. This approximation will give you a good idea of how far away the lightning was.
Your distance from a thunderstorm can be estimated by measuring the time between seeing the lightning flash and the hearing the start of thunder. The length of this interval in seconds can be divided by three to give an approximate distance in kilometres. Sometimes lightning may be seen but there is no thunder heard.