Word: bulks
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...crucial to ask students how helpful and available their masters, senior tutors, tutors and Senior Common Room members were to them, but it is also important to ask us where we spent the bulk of our time, and what role we think the Houses play in student life now, as opposed to 40 years ago, and in comparison to extracurricular activities. Additionally, there are no specific references to randomization on the survey, so a question asking "on a scale of 1-5, to what degree has randomization influenced your House experience?" might be in order...
...want to make certain that heirs have the means to pay the estate tax without taking an IRA distribution. If the estate does not include enough liquid assets to cover the tax bill, consider a life-insurance policy that pays when the second spouse dies. That's when the bulk of your estate gets handed down. Such a policy should be put in the heir's name and funded through annual tax-free gifts...
Elementary, of course, is that married couples should take full advantage of the lifetime exemption--that one-time $675,000 exclusion from estate taxes mentioned above. For non-IRA assets, you may need a credit shelter trust to divide assets. But if the bulk of your estate is IRA savings, simply divide the IRA money into two accounts--one for the full value of the lifetime exemption and the other for what remains. Generally, you should let the smaller IRA pass to heirs at the death of the first spouse, using that spouse's lifetime exemption. When the surviving spouse...
...iron at least by their 30s and 40s, because that's when bones start to thin. Lifting weights for 30 min. two to three times a week can slow or even reverse that bone loss. Don't be worried about bulging muscles; women produce too little testosterone to really bulk...
...alone has 55% of them). And while the money he makes is enough to support his wife and three children, it does not place him anywhere near what Latin American marketers call "Class A or Class B"--the wealthy or at least upper middle class that makes up the bulk of online traffic...