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I need to recall which one of my kids are my secondary beneficiary at Primerica Linda Sales

Spouse Walter Patrick Sales is my first beneficiary

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Your eldest child.

Posted on Dec 30, 2016

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Posted on Jan 02, 2017

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Tip

Let's make our IRAs (ac)count!


IRAs (Individual Retirement Account) can be very useful if well used. And very wasteful if not taken care of properly.
In order to make sure that your IRAs last longer, and benefit you and your family in the long run, make sure you take the right precautions.

Here are some useful tips:

1. Make sure to fill out the beneficiary designation form.
You may think that the will controls who will benefit from your IRA. Well, it doesn't. While this form does, and it must be filed with your bank.

6fb175a1-b7bc-40e5-a457-4706ef24d9ff.jpg

The beneficiaries can include your spouse or partner, family members, charity or a trust to benefit family.

2. Be aware that whoever inherits your IRA, if it's not your spouse, will have to withdraw a minimum amount each year.
If it is your spouse who inherits, usually there will be less strict rules.

3. A good way to extend the life of an IRA is by stretching out its withdrawals. Both the owner of the account or the beneficiary can try to withdraw no more than the required minimum distributions from a regular or inherited IRA and this way let the money grow tax-deferred or, in case of Roth IRA, tax-free.

4. The younger the beneficiary is, the less he or she is obligated to take out each year. This way the stretch previously mentioned would last longer.

5. Be careful what a non-spouse does with your IRA.
A non-spousal heir cannot roll your money into his or her IRA. Therefore your IRA should be left intact and designed as Inherited IRA.
On the other hand, a spouse can choose if he or she wants to keep the IRA as "inherited" or roll it into his or her own IRA. The second option is usually better if the spouse is over the age of 59 and a half.

6. Don't name your estate as beneficiary.
This action, as well as in case of the loss of the beneficiary designation form or if you forget to name a beneficiary, would mean that all IRA funds will have to be withdrawn within five years of your death and, in case of traditional IRA, all taxes payed as the money comes out.

7. Name "contingent" beneficiaries.
Since you don't want your estate to inherit the IRA, it's advisable to name "contingent" beneficiaries. This way, if your primary beneficiary dies before you do, the contingent beneficiary can keep stretching out the life of your IRA.
For example is your primary beneficiary is your child and you name the contingent beneficiary your grandchild, if your child dies before you, your grandchild can still stretch out the life of your IRA.

8. By choosing a Roth IRA rather than a traditional one, you pay your taxes in advance but you relieve your heirs from this weight when their time comes to withdraw.
Also, with a Roth IRA, after the age of 70 and a half you are no longer obligated to withdraw an yearly amount. This way you can take out what you need when you need it, and let the rest sit in the account, growing.

Good luck!

on Sep 04, 2013 | Finance

1 Answer

The bar across the street is still called Joe's but I don't think he's been seen since season 7? Anybody know why?


He said on the camping trip that Walter always said he didn't want to raise kids alone, so I assumed he just stepped back after their kids were born. We saw him less after that and then the actor has worked on other shows.

Sep 04, 2016 | Grey's Anatomy (2005)

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Beneficiary


I can give you some information. Mainly Beneficiary is someone who receives income from property which he uses as collateral when signing an agreement. Sometime amongst other things it could be income from the rental of property or the transfer of stocks for the broker to use. And Beneficiaries are defined by issuing banks as the holder of a credit letter. Howover, a beneficiary could be someone who receives an insurance payment from an insurer. For any kind of information please visit Forex Trading Trade Forex with Alpari International Forex Broker and gather knowledge.

Dec 27, 2015 | Cars & Trucks

1 Answer

Log-in to register, to be able to see my account?


If you go to https://my.primerica.com/clientportal/login.do you can use you existing account name and password:


25392915-rmpondjehsxekflrr0pj0tw4-1-0.jpg If you do not have an account and password select the "New User Registration" at the red arrow in the picture and create an account.

25392915-rmpondjehsxekflrr0pj0tw4-1-1.jpg
If that doesn't work than you'll need to get on the phone and talk to your Primerica rep.
Good luck!

Jan 31, 2015 | Finance

1 Answer

Aquarium light model #1628626


Yes, they are fire hazards. Mine made a popping sound, then I smelled a rubbery smell, I quick unplugged it and tossed it.! see recall notice, mine was not even one of the model #'s but it was a "Discovery Kids" silver framed Marine one. see link

http://www.aboutlawsuits.com/discovery-kids-lamp-recall-fires-smoke-8194/

Apr 26, 2012 | Toys

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Recall on a lamp , there is a recall on my sons fish lamp,,,, what do i do now?


brandybourne

The manufacturer, Innovage, can be contacted at 1-888-232-1535

Please read the details on the CPSC website to determine if your son's fish lamp is affected by the recall:
http://www.cpsc.gov/cpscpub/prerel/prhtml10/10135.html

You may also view the Innovage website regarding the recall:
www.lamprecall.org

-Gort.

May 21, 2010 | Discovery Kids Kids Creative Electrical...

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About Hard Disk size for Laptop IBM A20m


yes, you can insert any size you want don't be belittle by the inorent poeple in sales stores they will tell anyone anything just to make a buck.... lala linda i would suggest trying an 80 g it will prombally will do what you need untill you learn more about computers ok lala linda

Jun 03, 2008 | IBM TP A20M PIII700MHZ 64MB 12GB 14.1"24X...

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