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Direct rollovers from a 401k into an Individual Retirement Account IRA are not subject to income taxes or penalties. However, a recent study by the Employee Benefits Research Institute found that those with $50,000 or more in their 401k rolled over on average 72. 4% of the balances after leaving their employer. The numbers got worse as the size of the 401k assets went down. The consequences of failing to roll over 401k distributions can be severe. The distributed funds are subject to ordinary income tax, plus a 10% penalty for early withdrawal.


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1977, Re constructing Modernism, 2002 3" high x 25. Collection of Christina and Howard Risatti. 3. Wendy Smith b. 1965?, Inlaid Platter, 1997 2. 25" high x 14. 75" dia; wheel thrown ceramic with inlaid design that has been filed with a different color clay, then the whole has been glazed and fired. Private Collection. 1. La Conica coffee maker, 1984 11. 25" high x 3.



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This arrangement contrasts with the more typically horizontal relationships in a tribe or village accomplishing common goals through informal agreements between neighbors, or through leadership of a chief. The governments may be based on heredity, religion, military power, work systems such as canal building, food distribution, land ownership, agriculture, commerce, manufacturing, finance, or a combination of these. Societies that live in cities are often called civilizations. The word "city" and the related "civilization" come from the Latin root civitas, originally meaning citizenship or community member and eventually coming to correspond with urbs, meaning "city" in a more physical sense. The Roman civitas was closely linked with the Greek polisanother common root appearing in English words such as metropolis. In toponymic terminology, names of individual cities and towns are called astionyms from Ancient Greek / city or town, and / name. Town siting has varied through history according to natural, technological, economic, and military contexts. Access to water has long been a major factor in city placement and growth, and despite exceptions enabled by the advent of rail transport in the nineteenth century, through the present most of the world's urban population lives near the coast or on a river. Urban areas as a rule cannot produce their own food and therefore must develop some relationship with a hinterland which sustains them. Only in special cases such as mining towns which play a vital role in long distance trade, are cities disconnected from the countryside which feeds them. Thus, centrality within a productive region influences siting, as economic forces would in theory favor the creation of market places in optimal mutually reachable locations.



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Teens will gather at the park and begin the march to Garfield Community Center, 2323 E. Cherry St. , at 1 p. m. The route will take them up Martin Luther King Jr. Way to Cherry Street and end at Garfield Community Center. Along the march route, the youths will visit three parks named after local civil rights leaders and will listen at each one to a brief performance representing the leader:Sam Smith Park, 1400 Martin Luther King Jr. Way S. , named after the first African American member of the Seattle City Council who served from 1975 to 1991. Powell Barnett Park, 352 Martin Luther King Jr. Way S.

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