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You may also want to check out HEB Health Insurance for no obligation health insurance quotes. | | On Gratitude | On Habits | | "Sometimesour light goes out but is blown into flame by another human being. Eachof us owes deepest thanks to those who have rekindled this light." -- Albert Schweitzer "Themore you recognize and express gratitude for the things you have, the morethings you will have to express gratitude for." -- ZigZiglar "Thereis no better opportunity to receive more than to be thankful for what youalready have. Thanksgiving opens the windows of opportunity for ideasto flow you way." -– Jim Rohn | "Beingmiserable is a habit; being happy is a habit; and the choice is yours."-– Tom Hopkins "Goodhabits are hard to form and easy to live with. Bad habits are easyto form and hard to live with. Nothing is neutral. Everythingcounts." -– Brian Tracy "Goodhabits are as addictive as bad habits, and a lot more rewarding." -- HarveyMackay "Nothingneeds reforming so much as other people's habits." -- MarkTwain |
 | Calculating Required Minimum Distributions |
| The objective of the required minimum distribution rule isto ensure that the entire value of a traditional IRA or employer-sponsoredqualified retirement plan account will be distributed over the IRAowner's/retired employee’s life expectancy. IRS regulations include a "Uniform Lifetime Table" that isgenerally used to calculate the required minimum distributions that must bemade from qualified plans, including 401(k) plans, Section 403(b) annuities andregular IRAs. To calculate your annualrequired minimum distribution, follow these simple steps: | | | Example: | | Step 1: | Account balance as of the previous December 31: | $________ | $200,000 | | Step 2: | Distribution period factor based on your age as of December 31 in the year for which the distribution is being calculated: | ________ | 25.6 | | Step 3: | Divide Step 1 by Step 2; the result is your annual required minimum distribution for the year: | $________ | $7,812.50 |
Uniform Lifetime Table
| Age | Distribution Period Factor | Age | Distribution Period Factor | Age | Distribution Period Factor | | 70 | 27.4 | 86 | 14.1 | 102 | 5.5 | | 71 | 26.5 | 87 | 13.4 | 103 | 5.2 | | 72 | 25.6 | 88 | 12.7 | 104 | 4.9 | | 73 | 24.7 | 89 | 12.0 | 105 | 4.5 | | 74 | 23.8 | 90 | 11.4 | 106 | 4.2 | | 75 | 22.9 | 91 | 10.8 | 107 | 3.9 | | 76 | 22.0 | 92 | 10.2 | 108 | 3.7 | | 77 | 21.2 | 93 | 9.6 | 109 | 3.4 | | 78 | 20.3 | 94 | 9.1 | 110 | 3.1 | | 79 | 19.5 | 95 | 8.6 | 111 | 2.9 | | 80 | 18.7 | 96 | 8.1 | 112 | 2.6 | | 81 | 17.9 | 97 | 7.6 | 113 | 2.4 | | 82 | 17.1 | 98 | 7.1 | 114 | 2.1 | | 83 | 16.3 | 99 | 6.7 | 115 and | 1.9 | | 84 | 15.5 | 100 | 6.3 | older |
| | 85 | 14.8 | 101 | 5.9 |
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| | EXCEPTION: If your beneficiary is your spouse who is more than 10 years younger than you, instead of this table you can use the actual joint life expectancy of you and your spouse from the IRS Joint and Last Survivor Table to calculate required minimum distributions. | NOTE: Theabovediscussion does not apply in 2009, when required minimum distributionsare suspended. Minimum distribution requirements, however, mustbe met again beginning in 2010. In addition, non-deductibleRoth IRAs are not subject tominimum distribution requirements. | | MESSAGESfromthe Masters... | YOU DESERVE TO BE HAPPY by Brian Tracy
Achieving your own happiness is the best measure of how well you areliving your life and enjoying your relationships.
EVERYONE IS DIFFERENT
Happiness in life is like a smorgasbord. If 100 people went to asmorgasbord and each put food on their plate in the quantity and mixthat each felt would be most pleasing to him, every plate would bedifferent. Happiness is the same way. Each person requires a particularcombination of those ingredients to feel the very best about himself orherself.
LISTEN TO YOUR HEART
And your mix is changing continually. Therefore, the only way tojudge whether a job, a relationship, an investment, or any decision, isright for you is to get in touch with your feelings and listen to yourheart.
BE TRUE TO YOURSELF
You're true to yourself only when you follow your inner light, when youlisten to what Ralph Waldo Emerson called the "still, small voicewithin." You're being the very best person you can be only when youhave the courage and the fortitude to allow your definition ofhappiness, whatever it may be, to be the guiding light of every part ofyour life.
THERE ARE NO LIMITS
Accept the notion that you deserve all the happiness you can honestlyattain through the application of your talents and abilities. The moreyou like and respect yourself, the more deserving you will feel of thegood things in life. And the more deserving you feel, the more likelyyou will attain and hold on to the happiness you are workingtoward.
MAKE HAPPINESS YOUR KEY MEASURE
You should make happiness the organizing principle of your life.Compare every possible action and decision you make against yourstandard of happiness to see whether that action would make you happieror unhappier.
PAY THE PRICE
Of course, there are countless times when you will have to do littlethings that don't make you happy along the way toward those largerthings that make you very happy indeed. We call this paying the priceof success in advance. You must pay your dues. Sometimesthese interim steps don't make you happy directly, but the happinessyou achieve from attaining your goal will be so great that it totallyoverwhelms the temporary inconveniences and dissatisfactions of gettingthere.
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