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.
A spouse named as beneficiary of an IRA may treat it as though it has been her account all along. She can take money out or leave it in the IRA. If you leave the IRA to a family member other than your spouse, he must start taking distributions sooner.He can cash out the entire account at once or convert the IRA into a life annuity, which will give him monthly payments for the rest of his life.f you leave the IRA to a family member other than your spouse, he must start taking distributions sooner. He can cash out the entire account at once or convert the IRA into a life annuity, which will give him monthly payments for the rest of his life.