Mountain Views News, Combined Edition Saturday, April 8, 2023

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Mountain View News Saturday, April 8, 2023 

SENIOR HAPPENINGS


ASSISTED LIVING OR NURSING HOME?

There are many myths about Assisted Living being like 
Nursing Homes. This is not true at all. Nursing facilities 
are for those with chronic health issues who require care 
around the clock from medical professionals. 

In Assisted Living, one will get the support as needed, 
such as getting help with showering, grooming, and 
dressing. Again, these services are based on the seniors 
needs.

There are many reasons in working with us. At Safe Path 
for Seniors, we will assess the senior and depending on their care needs and budget, make recommendations. 
For example, we may suggest that the right fit is a Board and Care Home (normally a 6-bedroom house) as 
opposed to an Assisted Living Community or a Memory Support Facility. You will work with an experienced 
agent who 

knows the industry well and will give you recommendations. The good news is that there is no cost for this 
service.

If you have any questions about placing a loved one, visit www.safepathforseniors.com or call Steve at 
626-999-6913


HAPPY BIRTHDAY! …March Birthdays*

Cathy Flammer, Karen Blachly, Carla Duplex, Ella Guttman, Viky Tchatlian, 
Mary Cooper, Sun Liu, Helen Wallis, Nancy Fox, Martha Cassara, Rita 
Johnson, Sharon Murphy, Heather Sheets, Mercedes Campos, Dorothy 
Webster,Terri Elder, Carol Cerrina, Amy Putnam, Sally Contreras

 * To add your name to this distinguished list, please call the paper at 
626.355.2737. YEAR of birth not required

SENIOR CLUB Every Saturday at Noon Hart Park House

Open to all seniors 50+ Fun - Games - And More! Call Mark at 626-355-3951 

DOMINOES TRAIN GAME

1st & 3rd Wednesdays 11:00 am— 12:30 pm Hart Park House

The object of the game is for a player to play all the tiles from their hand onto one or 
more trains, emanating from a central hub or “station”. Call Lawren with questions that 
you may have.

TEA AND TALK BOOK CLUB

Wednesday, 4/12 and 4/26 9:00 am Hart Park House

Tea and Talk, which meets twice a month to discuss the fun, suspense, intrigue, love 
and so much more that each selection will have in store!

HULA AND POLYNESIAN DANCE

 BEGINNERS - Every Thursday 10-11:00 am

 INTERMEDIATE Every Friday 10-11:00 am

Bring a lei, your flower skirt or just your desire to dance! Hula in the Park is back 
and waiting for you to join in on all the fun! Memorial Park Covered Pavilion.

CHAIR YOGA

Every Monday and Wednesday 10-10:45 am

Please join us for some gentle stretching, yoga, balance exercise and overall relaxation 
with Paul. Classes are ongoing and held in the Memorial Park Covered Pavilion 
or the Hart Park House. 

SPRINGO BINGO 

Thursday, 4/20 Hart Park House 1:00 pm-2:30 pm $5

Fee includes bingo games, light lunch, & prizes! Please call 626-264-8876 or visit 
HPH to pre-register. "Must pre-register to participate" Active Adults 55+

NEW RMD RULES FOR 2023


Dear Savvy Senior:

What are the new rules on required minimum distributions 
from IRAs and 401(k)s? I will turn 72 this 
year and want to be clear on what I’m required to do. 

Planning Ahead

Dear Planning:

Thanks to the SECURE Act 2.0 that was passed by Congress last December, there are several new 
rules that affect required minimum distributions (RMDs) from traditional IRAs, 401(k)s and 
other tax-deferred retirement accounts. These changes, which build on the original SECURE Act 
of 2019, are a benefit to retirees by increasing the RMD age and lowering the penalty for missing 
a withdrawal. Here’s what you should know.

 

New RMD Rules

As of Jan. 1, 2023, the starting age for taking RMDs is now 73, up from 72. And it rises to age 
75 in 2033. This change means that if you turn 72 this year, as you stated in your question, you 
can delay your RMDs one more year, allowing your savings in these accounts to grow longer, tax 
deferred.

But once you turn 73 (next year), you must start taking annual RMDs from the tax-deferred 
retirement accounts you own – like traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, 403(b)
s and 457(b)s – and pay taxes on those withdrawals. Distributions are taxed as ordinary income 
in your tax bracket. 

There are, however, a few exceptions. Owners of Roth IRAs are not required to take a distribution, 
unless the Roth is inherited. And starting in 2024, Roth 401(k)s will not be subject to RMDs 
either.

There’s also a work waiver for RMDs you should know about. If you are still working beyond age 
73, and you don’t own 5 percent or more of the company you work for, you can delay withdrawals 
from your employer’s retirement plan until after you retire. But if you have other non-work-related 
accounts, such as a traditional IRA or a 401(k) from a previous employer, you are still required 
to take RMDs from them after age 73, even if you’re still working. 

Deadlines and Penalties

Generally, you must take your distribution every year by Dec. 31. First timers, however, can 
choose to delay taking their distribution until April 1 of the year following the year you turn 73. 
But be careful about delaying, because if you delay your first distribution, it may push you into 
a higher tax bracket because you must take your next distribution by Dec. 31 of the same year. 

Also note that you can always withdraw more than the required amount, but if you don’t take out 
the minimum, you’ll be hit with a 25 percent penalty (it was 50 percent) on the amount that you 
failed to withdraw, along with the income tax you owe on it. This penalty drops to 10 percent if 
you take the necessary RMD by the end of the second year following the year it was due. 

Distribution Amounts 

Your RMD is calculated by dividing your tax-deferred retirement account balance as of Dec. 31 of 
the previous year, by an IRS estimate of your life expectancy. A special rule applies if your spouse 
is the beneficiary and is more than 10 years younger than you. 

IRA withdrawals must be calculated for each IRA you own, but you can withdraw the money 
from any IRA or combination of IRAs. If you own 403(b) accounts, they too allow you to total 
the RMDs and take them from any account or combination of accounts. 

With 401(k) plans, however, you must calculate the RMD for each plan and withdraw the appropriate 
amount from each account. 

To calculate the size of your RMD, you can use the worksheets on the IRS website – see IRS.gov/
Retirement-Plans and click on “Required Minimum Distributions.” Or contact your IRA custodian 
or retirement-plan administrator who can do the calculations for you.

For more information, see the “Distributions from Individual Retirement Arrangements” (publication 
590-B) at IRS.gov/pub/irs-pdf/p590b.pdf. 

Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.
org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” 
book.


OUT TO PASTOR 

A Weekly Religion Column by Rev. James Snyder

HAS ANYONE SEE MY MARBLES?

Whenever a week goes by without any hitches, I have learned that 
something somewhere is wrong.

I have lived long enough to realize that problems are a part of life. Most of my were 
created by me. I guess I’m a great creator in that regard. I don’t think there is any 
reward for that kind of creativity.

The Gracious Mistress of the Parsonage is exceptionally educated in this area of 
my mistakes. She could receive the Nobel Peace Prize. She can recognize one of my 
mistakes two days before it even happens. I don’t know how she does that and probably 
never will find out.

Whenever I screw something up, she always responds, “Have you lost your marbles?”

Initially, I didn’t know I had marbles, nor did I understand what marbles were. But 
as I grew as a husband, I began to understand what she meant by marbles. I didn’t 
know I had as many marbles as I had lost over the last 20 years.

One morning last week, I got up before The Gracious Mistress of the Parsonage and 
went out and got my coffee, I saw the kitties out on the porch looking in, so I opened 
the door, and they came marching in. What a great time they had together. As I was 
going to feed them, I heard a familiar voice down the hallway, “Have you lost your 
marbles? Get those cats out of here.”

Of course, I didn’t have to get the cats out because they ran for fear when they saw 
her coming down the hallway. I just stood there looking at the floor, trying to find 
my missing marbles.

Life has ups and downs, and I’m unsure which is better or worse. But throughout 
my life, I have never been helped in any situation by my marbles. How do my marbles 
help me in my everyday life? After all, my life has not changed much during 
these years of losing my marbles.

If I had more appreciation for my marbles, maybe, just maybe, I would not be getting 
in as much trouble with The Gracious Mistress of the Parsonage. Her obsession 
with marbles is beyond my ability to comprehend.

If I still have one or two marbles left maybe I could figure out how I can get back 
at her.

We had a doctor’s appointment last week, so she drove her Sissy Van, and I sat over 
on the passenger side. It’s hard for me to get in and out of that Sissy Van, but it saves 
me gas money for my truck.

As we were going down the street, I looked at her and said, “Have you lost your 
marbles? You missed the street we were supposed to turn on.”

Inside I was laughing hilariously, but she did not share in that. She just looked at me 
and flashed one of her quirky smiles.

I sure do like it when a plan comes together.

One morning this week, I got up rather late and walked out to the living room in 
my pajamas. The Gracious Mistress of the Parsonage looked at me and said, “Have 
you lost your marbles? We have a breakfast appointment in about 10 minutes across 
town.”

I had no idea, or at least I forgot about it, and maybe she was right; I did lose my 
marbles on this one.

I was thinking recently about how my life would change if I had all the marbles I 
lost. So what would my life be like at that point?

The other day as she was coming in the front door from a shopping trip I said to her, 
“Have you lost your marbles?”

Looking at me strangely, she said, “What are you talking about?”

Smiling back at her, I said, “Nothing, I just wanted to know if you had all your 
marbles together.”

She didn’t think that was funny and scowled at me and took the shopping bag into 
the kitchen.

If anybody has marbles, I think she does. So my question is simply, what is she doing 
with all those marbles?

I think I have one or two marbles left, and I was thinking of a plan for her birthday. 
I’ve been putting a lot of thought into it, and I’m almost done with the thinking 
aspect and about ready to put it all together.

I was in Wal-Mart the other day, and walking down one of the isles, I saw something 
that got my attention. There on the shelf were bags of marbles. It was the first 
time I ever saw marbles for sale. When I saw them, it gave me an idea. So I bought 
a bag of marbles.

This year I plan to give her a special birthday gift. It will be a box filled with marbles, 
wrapped in red paper with a lovely bow on the top.

When she opens it, I expect she will say, “Have you lost your marbles?”

I will respond, “No, my dear, I found your marbles.”

I could not help but think of a Bible verse in Isaiah 55:8-9, “For my thoughts are not 
your thoughts, neither are your ways my ways, saith the Lord. For as the heavens 
are higher than the earth, so are my ways higher than your ways, and my thoughts 
than your thoughts.”

God has never lost His “marbles.” God shares His thoughts with us in the word of 
God.

Dr. James L. Snyder lives in Ocala, FL with the Gracious Mistress of the Parsonage. 
Telephone 1-352-216-3025, e-mail jamessnyder51@gmail.com, website www.jamessnyderministries.
com.

FAMILY MATTERS

 By Marc Garlett


DO I NEED TO CREATE A NEW WILL IF I MOVE 
TO ANOTHER STATE?

Most states will accept a will 
which was executed properly under 
another state’s laws. However, 
there could be differences in 
your new state’s laws that make 
certain provisions in your will 
invalid.

Here are a few things you should 
review when moving out of state:

YOUR EXECUTOR 

Consider whether the executor 
you’ve chosen for your will, will 
be able to serve in that role in 
your new location. Every state allows 
an out-of-state executor to 
serve, but some states have special 
requirements for executors, 
such as requiring them to pass 
a credit screen and post a bond. 
Other states require non-resident 
executors to appoint an agent 
who lives within the state to accept 
legal documents on behalf 
of the estate. 

The former can, and sometimes 
does, completely prohibit a 
named executor from being able 
to step into that role. The latter 
increases the overall costs associated 
with administering a will. 
Either way, you may want to reevaluate 
your chosen executor.

MARITAL PROPERTY

If you are married, consider how 
your new state treats marital 
property. While a common-law 
state might treat the property 
you own in just your name as 
yours alone, community-property 
states treat all of your property 
as owned jointly with your 
spouse. If your new state treats 
marital property differently 
than California (a community-
property state), you might need 
to draft a marital property agreement 
or even a new will to ensure 
your wishes are honored.

YOUR NEED FOR A TRUST 

While your will is an important 
part of your estate plan, it 
may not be the most appropriate 
foundation of your plan. Your 
new state may have probate laws 
completely different from California’s. 
If your planning goals 
didn’t necessitate a living trust 
in California, it’s likely they 
won’t necessitate a trust in your 
new state, but it could be costly 
to make that assumption without 
first seeking qualified legal 
counsel. Each state’s probate 
code is unique, and you may be 
unaware of specific detrimental 
nuances in your new state’s 
code which could be completely 
avoided by a living trust.

YOUR OVERALL PLAN 

Moving is one of those life events 
presenting a perfect opportunity 
to review your entire estate plan. 
Along with your will (and considering 
whether you also need 
a trust), you should review your 
trust – if you already have one, 
power of attorney, health care 
directive, final disposition instructions, 
kids protection plan 
– if you have minor children, and 
your asset spreadsheet to ensure 
each asset you own is catalogued 
within your plan and titled correctly 
to receive the full protections 
provided by your plan.

FINDING THE TIME

It may seem overwhelming with 
everything else you’ve got on 
your plate during a move, but 
there is no better time to review 
your estate plan. And because it’s 
so important to regularly review 
your plan and keep it up to date, 
you’ll gain additional peace of 
mind after you settle into your 
new home, and you’ll ensure 
your plan works exactly as you 
intend whenever it’s needed. 
That’s an invaluable gift to your 
family. In other words, it’s well 
worth the effort. 

To your health, wealth, and family 
legacy,


Marc Garlett, Esq.

Cali Law Family Legacy Matters

www.caliLaw.com

626.355.4000

Mountain Views News 80 W Sierra Madre Blvd. No. 327 Sierra Madre, Ca. 91024 Office: 626.355.2737 Fax: 626.609.3285 Email: editor@mtnviewsnews.com Website: www.mtnviewsnews.com