Required Minimum Distribution (RMD) The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from some types of retirement accounts annually, starting the year you turn age 70-1/2. Determining how much you are required to withdraw is an important issue in retirement planning.
There are two types of seals: the earless, or true, seals (family Phocidae); and the eared seals (family Otariidae), which comprise the sea lions and fur seals. In addition to the presence of external ears, eared seals have longer flippers than do earless seals.
Sanding sealers must be matched to the top coat. There are specific types of sanding sealer for two part lacquer finishes and for polyurethane oil based finishes. This brings us to shellac as a sanding sealer. It is only in the past few years that shellac has recieved any mention as a sanding sealer.