Generally speaking, it is common practice for spouses to name each other as the primary beneficiary of their IRAs. Spouses Are Still Able To Assume IRA Ownership Upon One Spouse’s Death Most people roll over these plans eventually into self-directed IRAs. This would include all defined contribution plans including 401(k), 403(b), 457(b), 401(a), ESOP, Cash Balance Plans, Profit-sharing plans, and lump-sum distributions from defined benefit plans. The 10-year rule applies to all qualified plans with balances. The New Rule Applies To ALL Qualified Plans (like 401ks), not just IRAs. If a qualified plan or IRA owner fails to name a beneficiary or if the named beneficiary does not survive the owner, the IRA will go to the decedent’s estate, and be subject to probate and payout within 5-years. One key point is to make sure your IRA or qualified plan is kept up to date if your primary and secondary beneficiaries pass away before you do. Failure to name individual beneficiaries formerly resulted in the imposition of a Five Year Rule which forced all IRA balances to be distributed within 5 years of the death of the IRA owner. Alert IRA owners with living trusts sat down with their attorneys alter or restate their trust to include a ‘look-through’ provision to allow the IRA to be distributed through the trust, while preserving stretch IRA benefits. Naming a Revocable Living Trust as the beneficiary resulted in the RMD being based on the age of the oldest living beneficiary, which was a complication and not always optimal. The beneficiary would then simply take distributions under the Required Minimum Distribution (RMD) rules based on their age. More than ever before, it is important to meet with a qualified estate planning attorney and a CPA to review how your estate and tax planning ideas will be impacted by the SECURE Act.Įstate planning for IRAs before the SECURE Act(current law) revolved around naming individual IRA beneficiaries with the intent of creating an inherited IRA for each of them. A disabled beneficiary or a chronically-ill beneficiary, may also have different treatment. At that point, they must take distributions under the 10-year rule. There are exceptions to the 10-year rule, including:Ī spouse may roll over the decedent’s IRA to his or her own IRA and stretch the distribution over their lifetimeĬhildren under the age of majority would not start the clock until attaining majority. The old five year rule is gone, and the non-spouse stretch is pretty much gone. For most beneficiaries going forward, the ‘stretch’ rules would be eliminated and the beneficiary must withdraw the entire IRA balance within 10 years of the death of the IRA’s owner. The SECURE Act, once passed, would change all that. To sidestep that problem, many IRA owners created ‘IRA Conduit Trusts’ with the help of their attorneys to make sure beneficiaries could take only the Required Minimum Distributions and assets in the IRA would remain protected. What the advisors often left out at the steak dinner workshops was that inherited IRAs can be subject to the claims of the beneficiary’s creditors. The Stretch IRA was promoted as a way to enrich next generations with lifetime income (courtesy of you) after you have passed. The “Stretch IRA” idea has been popularized by many advisors and journalists over the years. This avoided a potentially large tax hit from a lump sum. For example, under the old (and still current) rules, if Jane was the owner of a $1 million IRA and left it to her 30-year-old grandson Ryan, Ryan could have stretched the distributions over his life expectancy of 52.1 years. Under the previous rules, non-spouse beneficiaries could ‘stretch’ their IRA distributions to enjoy major income tax savings. The SECURE Act is expected to pass the Senate by unanimous consent (if they ever get back to working again to pass meaningful legislation.) So, it is not yet law, but if you are an IRA or qualified plan owner, you need to be aware of how it might affect your estate planning decisions going forward. The law is known by its initials, the SECURE Act. The House of Representatives has passed a new bill with a 417-3 vote, entitled “The Setting Every Community Up for Retirement Enhancement Act of 2019”. Unless your trust is specifically worded using what is known as a “conduit provision”, the trust may be a poor choice for an IRA, 401k, 403b, or TSP beneficiary. Even before new laws were proposed, the idea was problematic. Many people own revocable living trusts and consider the idea of making their trust the beneficiary of their IRA.
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Japanese players aren't the only ones getting confused as well, because the Fort Night messages are machine translated into all other languages Elden Ring is available in.
Keep an eye on how far you've travelled and depart with your haul of chitin before things quite literally go too far.Ĭurrently there are only two craftable items that call for chitin, but they're both pretty rad looking and one of them has a unique use. The less good news is that if you're not careful you could end up quite a long way from your boat. The good news is that you won't be dumped unceremoniously into the water, no matter how far the Kraken swims. Once a Kraken notices you mining it, it'll start to move in an attempt to shake you off. The island seems to be more of a shell that the creature itself lives within, but having Vikings scrambling around on your back is bound to make you itchy eventually. Surprisingly, mining doesn't seem to hurt Krakens, but that doesn't mean they're comfortable with you taking a pickaxe to them. This is especially important when mining the Kraken, because you only have a limited amount of time to do it in. Your default hammer will often do in a pinch, but it's highly recommended you use a pickaxe. Mining in Valheim requires a tool of some kind. Specifically, the abyssal barnacles on a Kraken's surface are the game's only source of chitin, a crafting resource. This includes resources you can gather, just like you would if they weren't on the back of a quite-probably sentient creature. The Kraken isn't just island-sized and island-shaped, it's got other land-like properties as well. Perhaps because Krakens are just so huge, or perhaps because they're too mellow to aggro, you can't actually kill one. Don't go blaming the innocent Kraken, now. You can get attacked on the ocean, but it'll be the serpent - the only hostile creature type in that biome - that's responsible. Krakens are a passive creature type in Valheim, meaning that they won't attack you. If this sounds like it might be a bit much for you to take on in combat, there's good news. And yes, you can disembark from your boat and climb all over it. This is because they are really quite huge - in fact, you might mistake one for a small island when you first see it. Krakens won't appear near to the coast, but can only be found over deep water. Since Valheim takes place on a procedurally-generated archipelago, there are bound to be oceans somewhere nearby, and at some point you're probably going to need to cross them. The Kraken is, unsurprisingly, unique to the Ocean regions of the game's map. So craft yourself a boat and set sail if you're hoping to catch a glimpse of this unusual creature - or harvest it for resources. To see this content please enable targeting cookies. It's a biome in itself, and while there's less to uncover than in the land-based regions of the game, there are still a few unique encounters to be had here.Įxcitingly, you might find you run into a Kraken - also known as a Leviathan or Giant Turtle - while sailing the seas. The ocean in Valheim is more than just an obstacle to exploration. It’s a bit of a pain to get through but the set up is needed and understandable and by the time you finish the second book you’ve already forgotten the pace of the first. I won’t lie, the first book is sloLike waiting for the bell to signal the end of the school day slow. If any of these things are a trigger for you then please do not read or read at your discretion.īut other than a cryptic warning, I became addicted to these books. It covers topics from bullying, sexual assault, rape, drugs, violence, torture, and pretty much anything else you can think of. I’ll give you this warning now: these books are not for the faint of heart. Most of them are assholes and a lot of them come from broken families, traumatic childhoods, and horrible beginnings. The forerunner of the the Exy team, Coach Wymack, only recruits kids from troubled pasts for his university team-some think for publicity and some think for penitent reasons, but you’ll have to read to really find out why.Īs you could probably guess the Foxes are not an easy group to like or even get along with. The story really begins with Neil joining Palmetto State University’s Exy team, the Foxes, mostly against his will and definitely to his distaste and dislike. Not only do the details come slow and heady, they come intense and traumatic with each new revelation. The main character, Neil, comes from a shady background that slowly starts to take place during the course of the series. So you might be wondering, what is this damn cheap trilogy about? Essentially it’s one of those “a group of outcasts come together” to save the day situations except the day doesn’t need saving and they don’t exactly come together-they do…but well they don’t. I’d give Nora Sakavic my right arm and leg if she asked for it now. Normally I would have seen that price and went sprinting in the other direction, but in this case it’s a godsend. 99 cents for Ebook on Barnes & Noble and Amazon. The first book is available online in PDF form for free to get a taste of what you are in for ( ) and the following two books are for purchase for a measly. The All For the Game trilogy or more commonly known as The Foxhole Court is a trilogy centering around secretive and loudmouthed Neil and his rag-tag team of Foxes that play the fictional sport of Exy for Palmetto State University. I could not even tell you how I found these novels or why, only that I had migrated into the deep and secret underbelly of Tumblr and the original fiction community and somehow popped out with a PDF of the first book and a burning desire to read and keep reading. A grand trilogy by author Nora Sakavic is a bit of a secret gem in my opinion. Yes and yes, I am referring to The Foxhole Court. Psychotic teenagers, a completely made up sport, a James Bond-esque deliverance ending, and do or die situations with completely over-the-top sass and wit? Any major.minor version that is not listed To ensure that the target version of the technology will be supported. Responsibility to consult the organizations responsible for the desktop, testing, and/or production environments These decisions areīased upon the best information available as of the most current date. The VA Decision Matrix displays the current and future VA IT position regarding different releases of a TRM entry. TRM Technology, obtained from the vendor (or from the release source). The Vendor Release table provides the known releases for the For additional information or assistance regarding Section 508, please contact the Section 508 Office at Please see reference tab for more information concerning product versions. 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Users must ensure their use of this technology/standard is consistent with VA policies and standards, including, but not limited to, VA Handbooks 61 VA Directives 6004, 6513, and 6517 and National Institute of Standards and Technology (NIST) standards, including Federal Information Processing Standards (FIPS). Due to vendor license constraints, only the professional (paid) edition of this software can be used in VA.Įxpress Scribe Pro is the edition that is covered by this entry. The free edition of this software is not available to the federal government and a license must be purchased for government use. There are two editions of this technology: Express Scribe Free and Express Scribe Pro. This technology has a number of features including playback speed controls and the ability to start and stop playback with a foot pedal or keyboard commands. 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Image Source: Seven Sirius Looks Just like His Dad We wish for Seven's bright future ahead!Įrykah Badu with her son and her ex-boyfriend, Andre 3000. Badu also said that their son was interested in Majoring in Psychology, Arts and Science. She said in the caption that their dreams as parents worked successfully and their son got acceptance letters from four colleges of his choice. It seems like that Andre 3000's son is very good in studies as his mummy posted an old picture with her son and ex-boyfriend or her son's father on Twitter. She was born on the 1st of February, 2009 and is currently 10 years old as of June 2019. Mars Merkaba Thedford is the third child and second daughter of Erykah Badu with her ex-partner, Timothy Elpadaro Thedford, commonly known as Jay Electronica. She was born on the 5th of July, 2004 and is currently 15 years old as of June 2019. Puma Sabti Currry is the second child and first daughter of Erykah Badu with her ex-partner, Tracy Lynn Curry, better known as The D.O.C. His siblings are mentioned below: Erykah Badu with her daughters. The 21 years old (as of June 2019) Seven has two half-siblings from her mother and her previous relationships. Likewise, the name 'Sirius' is derived from the ancient Greek origin and refers to "the brightest star in the night sky, commonly known as the Dog Star". The name 'Seven' is a unisex name according to the English origin which means "the number seven". He is the only child of Erykah and Andre had together and is the eldest child of his mamma. Seven Sirius Benjamin was born on the 18th of November, 1997 as the son of the popular American singer & songwriter, Erykah Badu with her ex-boyfriend, Andre 3000, also an American Musician. Which puts the typically budget Moto G into lesser known waters. But the Plus is a minimum of £60 more, starting at £229. All notable points compared to the standard Moto G4. In summary: the Plus has a better camera, adds a fingerprint scanner, has 32GB minimum on-board storage, can be RAM-upgraded at point of purchase (£38 additional), and includes a TurboPower charger in the box for fast-charging. We still very much like the G4 Plus, but if you're after a truly budget purchase then, as it turns out, the standard Moto G4 does the majority of what you'll need just fine. In this new inflated 5.5-inch form and with a bunch of features squeezed into the body, it no longer serves its ultra budget role. But it's also changed what Moto G is about. Motorola, now under Lenovo's command, has smoothed out design issues with earlier G-series models. Even some of the Plus's features don't quite make sense: the lack of NFC means no Android Pay is possible from the included fingerprint scanner.īut we can't bad-mouth it as a phone in general. It finds itself floating between two market positions: it's not the budget purchase that the G-series has always been known for, while knocking on the door of superior middle-range models. Problem is the OnePlus 3 has just launched, and if you want the 4GB RAM and 64GB on-board storage version of the G4 then the potential £264 price point means Motorola doesn't quite cut the mustard. Which would have been fine, say, a year ago. In a sense the G4 Plus feels like a OnePlus 2. UPDATE: Funko upated The Grady Twins chase rarity from 1:6 boxes to 1:36 boxes. The creepy girls are exclusively issued through Target with a base and chase version. This includes The Grady Twins figure set that is paired together as a 2-pack. The treat? Each box in the lineup comes with the word "REDRUM" in red (lipstick!?) on the clear part of the packaging. Combo Packs (October 2017) 2-Pack: The Grady Twins - Target. 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