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.
Take the cash that is left in the account and open a Roth IRA account with the bank. Your Roth will be FDIC insured. You can name your spouse as beneficiary and the money will transfer to your spouse tax free in case anything happens to you.Also your spouse can open a Roth IRA account if your spouse is working when the account is opened. DO NOT BUY STOCK OR OTHER INVESTMENTS WITH YOUR ROTH IRA.ake the cash that is left in the account and open a Roth IRA account with the bank. Your Roth will be FDIC insured. You can name your spouse as beneficiary and the money will transfer to your spouse tax free in case anything happens to you.