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.
In a rollover, you cash out your IRA and have up to 60 days to put it into a new one or you pay penalties and taxes. In a transfer, the money goes directly from the present custodian to the new custodian, the company that holds the IRA. The transfer requires less hassle and paperwork at tax time.