Mulch adds to the beauty and tidiness of a garden. It also enhances growing conditions by protecting the root zones of plants and moderating soil temperatures. Mulch may make a garden look tidy, but the work it does to improve the growing conditions for plants is what makes it most appealing.
Retirement Topics - Beneficiary. A beneficiary can be any person or entity the owner chooses to receive the benefits of a retirement account or an IRA after he or she dies. Beneficiaries of a retirement account or traditional IRA must include in their gross income any taxable distributions they receive.
If you transfer your Traditional or Roth IRA and request that the check be made payable to you, you have up to 60 days to deposit that check into another IRA without taxes or penalties. This is known as a ânontaxable rollover,â and you can do this once within a 12-month period.