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Search results

  1. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    Another thing brought up at tax seminar I attended is that there have been numerous bills proposed to eliminate the stepped up cost basis upon death. and to clarify, I realize there is tax due on ira, I am not complaining about that, the complaint is changing the rule. As healthpack said...
  2. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    oh my, he will need a lot more care than assisted living.I will have to up that number
  3. rapmarks

    Snow birds living at HGVC

    We met someone who stayed at Vanderbilt beach club in Naples 18/weeks in a row
  4. rapmarks

    A call from my granddaughter

    First of all, I don’t have a granddaughter, just little grandsons who call me through messenger kids. yesterday I received a call on my landline from a young woman who called me grandma. I went along with it and she didn’t give out her name, but tried to get me to say the name. So I said is...
  5. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    Carrying the I don’t care I’ll be dead further, why bother with a will,why bother titling things to avoid probate, you’ll be dead.
  6. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    You are probably going to have three to four times what you have now when you reach your seventies because of the rate of return.
  7. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    Our schools made us put our 403b with insurance companies. We were in 403b because we were never going to get social security so we saved 15% of our income to prepare for retirement. Foolish us, so sorry we did that. we take our distributions and send most to irs. No such thing as a roth...
  8. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    Brett I have absolutely no plans to convert my ira to a Roth, I said it was a good idea and I should have added in the case mentioned, early in retirement before the mandatory withdrawals.
  9. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    There are lawyers and financial advisors making a good living telling seniors how to avoid having their estates eaten up by taxes. So I think that those of you poo pooing the concern may not be the majority. Also, they point out that if they can change the law that was in effect when you set...
  10. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    My husband made a smart move in 2000 moving everything in his ira to vanguard. He has withdrawn for seven years and it is still seven times what he started with in 2000. At this rate he will have a lot left. i figure that when the time comes for him to go to a nursing home, we will spend at...
  11. rapmarks

    $100 damage charge on my credit card after a stay at Hampton Inn, shaking my head, makes me wonder

    We owned at a resort for 22 years. On our very last visit in 2012 I was pretty sick, I had undergone radioactive iodine treatment, itmade me sick, I had welts all over my tongue mouth and throat and could not swallow. Also we never smoked. When we entered the condo, I smelled a faint odor of...
  12. rapmarks

    buying Golf Clubs

    If you are in Sw Florida go to Golf Guys on Tamaimi Trail in Bonita Springs
  13. rapmarks

    buying Golf Clubs

    We have several sets in each garage, I wish I could share with you. The secret is learning correctly when you are young. My husband started young, was a six handicap until late sixties. I learned at fifty and he taught me, he coached high school team for 25 years and went to instructional...
  14. rapmarks

    Massachusetts personal income tax

    I purchase Turbo Tax, but it includes only one state return. The Massachusetts form is free to fill out and efile I think it was something like 60 using turbo tax for the state file,40 for forms and 20 to efile.
  15. rapmarks

    Massachusetts personal income tax

    I am trying to find the site where I can fill in and efile the 2019 Massachusetts personal income tax. the site I found does not allow you to fill out the form online I think I found it!
  16. rapmarks

    Congress Just Made Passing an IRA Down to Your Kids a Lot Harder. Here's What You Can Still Do

    Just went to presentation on this topic. passing on ira to kids when they are in their highest earning period could result in 40% tax between federal and state taxes when added to their earnings.
  17. rapmarks

    How to set up an estate plan to eliminate paying taxes on an inherited home

    I am wondering how you plan on timing this so exactly. When all your accounts hit zero, you just will yourself to die?
  18. rapmarks

    How to set up an estate plan to eliminate paying taxes on an inherited home

    Wouldn’t you get something in writing from real estate, an appraiser, or the tax assessor.
  19. rapmarks

    How to set up an estate plan to eliminate paying taxes on an inherited home

    When you inherit a piece of property or stock, etc it reevaluates on date of death. You really should not be paying capital gains on the house sale unless it appreciated a lot between her death and the sale. An accountant knows that. And if the house was gifted, there is tax due upon the sale...
  20. rapmarks

    How to set up an estate plan to eliminate paying taxes on an inherited home

    The article talks about a parent putting the child on the deed,or in the child’s name, while still alive. Our friends did this. Their home is owned by their son. When they pass on, if he were to sell it, since he never lived there, value goes back to value when it was gifted to him. He will...
  21. rapmarks

    How to set up an estate plan to eliminate paying taxes on an inherited home

    There are a lot of reasons to not put your home in your child’s name, and this is one of them
  22. rapmarks

    Costume help, please

    I consider British Invasion 1964 and I don’t thinks skirts were that mini yet. More like short sheath dresses. Mini dresses got really short late sixties. I can tell you as a teacher in late sixties we wore short dresses but principal told us we would be fired if we came to school in a pants...
  23. rapmarks

    What happened to Jr & Sr High Math?

    And I was going to reply earlier. My son tutored math earlier in his career, and could have worked at it eighty hours or more a week. He said that many children were enrolled in math classes at a level too high for them, but we’re under pressure to get into good colleges.
  24. rapmarks

    Sunset Cove, Marco Island - Kudos to housekeeping staffs integrity

    I wish I knew where I left my capris
  25. rapmarks

    Help with ACA Proof of Income

    Oh my goodness, my head is hurting
  26. rapmarks

    Marco Resort & Club; permanent "sunset" is coming soon...

    You are kinder than I. I assumed they were covering their ————-
  27. rapmarks

    Treat ended up dangerous

    Many years ago my neighbor daughter was at her rehearsal dinner. She had a margarita and instead of ice, there were small shreds of glass in the drink. This started years of problems for the young woman, surgeries, pain, and the chain went out of business. I heard last year that she had...
  28. rapmarks

    Tuggers of a certain age -- does your medical insurance set up in home visits?

    Our Medicare advantage plan includes one home visit a year from a nurse practitioner
  29. rapmarks

    When the household comander in chief calls its quits

    I have kept this to myself for too long, some people have very strange ways of loading dishwashers. Why would you put a plate in the middle of an empty dishwasher. Wouldn’t you start on the end. Likewise for glassware. Don’t you start on an end and also in an open space rather than over the...
  30. rapmarks

    Christmas Mountain Questions

    If you are getting a two bedroom, make sure it has two bathrooms, that Will help you avoid the cottages and cabins, which are very small
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