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Retirement accounts Many people have multiple retirement accounts including individual retirement accounts (IRAs) at banks, broker dealers or mutual funds. They may also have pension accounts with their employer and 401(k) or 403(b) plans or other retirement benefit accounts. The records of these should also be recorded along with the name of the beneficiary on each of these accounts.

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The development of pastoral farming, or the raising of livestock, may have been a direct result of the invention of irrigation and sustained farming. Once crops could be grown in one place and there was no need to forage, people began to find ways to keep animals near them as well. Some pastoral communities became completely nomadic, but these farm based groups developed complex systems for feeding and watering their animals that eliminated the need to move about.

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