THE MALDEN ADVOCATE–Friday, May 22, 2020 Page 13 EDGEWORTH | FROM PAGE 9 wanted to let you know how much I enjoy reading your take on Malden present and past. I enjoy just reading the names of people you mention, and I know them or a family member. It definitely rattles the memory bank. “When this is pandemic loosens up this summer, please come visit me in Marblehead. I would like to show you the local haunts. Maybe have a Pabst or three. My new hometown for 14 years now. It is a little Mayberry R.F.D. if you know what I mean. Most people are great, and I have made many friends. I miss playing hoops so much in my life since I retired now 8 years because of knee surgery. I have lived in NYC and Hawaii for extended periods in my life and I always sought out basketball as a refuge to my sanity. Besides the healthy aspect of the physical workout, most of my social life was around hoops. When I moved back from Hawaii after living there for seven years, I rented a gym in Wakefield and started my own games. It was like I never left and pulled my old and new friends from Malden & the Y to play. When I look back, it was basketball that did this. I did a short stint on Wall Street in the 80’s. What did I do? Started playing hoops with the guys for other firms. Bingo! Still to this day they are my friends for life. Same thing in Hawaii. I joined the Honolulu YMCA and played with all the local guys. By the way, a lot of them were Native Hawaiians and not that tall so I felt big on the court. Believe it or not, I played volleyball in HI which also built up that camaraderie. When I graduated Malden High School, I went to Northeastern and commuted to school every day. I still went to the Y and played hoops. That was special. A mixture of blue collar and college that collided. I did not realize it, but it shaped me in a way that keeps you grounded and real. I just wanted to tell you man, OBITUARY Barney Dworkin 92, formerly of Malden. Entered Eternal Rest May 11, 2020. Devoted husband of the late Anita (Rod) Dworkin. Beloved father of April & her husband Richard Coppola and June Dworkin & her husband Jeff Wilcox. Cherished grandfather of Allie Coppola and Nicolette Coppola. Dear brother of the late Betty Zurlnick, Irving, Martin, Albert and Saul Dworkin. Due to current health conditions, services and memorial week are private. In lieu of flowers, donations in his memory may be made to a charity of one’s choice. keep it up and thanks for being a friend. PS... who says the quarantine is all bad? It puts a perspective on life and gets you reflecting.” Thanks for writing, Dave! “This is the end, beautiful friend, this is the end, my only friend, the end...” So many heartfelt testimonies celebrating the life and times of the original hardest working man in show biz “Preacher Jack” – too little column space. Covid-19 took advantage of Jack’s weakened condition. Thirty or so years ago, Jack was invincible. Back in the day he would have swallowed the virus, washed it down with a case of Bud and spit it out mad preaching “Mother” Mahalia’s “In the Upper Room!” Loved this tribute to Jack from loyal congregation member Will Ashley. I had heard a variation on this cold January late night working its way towards dawn tale a few years back but never as detailed. Take it away Will: “My brother Shepherd Ogden and I used to go and hear Preacher Jack at the Shipwreck Lounge on Revere Beach in the late 1970s. When he was seated on the piano bench, he ruled the room. Jack had a drinking problem, but he reconciled it with an abiding faith in Jesus Christ that he professed to anyone listening. Of course, we came to hear him play the blend of boogie-woogie, blues, rock-a-billy and country that had made him a local legend with a cult following, but I’d always request some gospel numbers, and he liked that. A regular at the bar who we had gotten to know told us a story that was so good it would be a shame if it was not true. (Since I first wrote this yesterday, his wife Jessie Coughlin has confirmed that it is indeed ~ LEGAL NOTICE ~ COMMONWEALTH OF MASSACHUSETTS THE TRIAL COURT PROBATE AND FAMILY COURT Middlesex Probate and Family Court 208 Cambridge Street Cambridge, MA 02141 Docket No. MI20P1956GD In the matter of: Linda Verdun Jones Of: Winchester, MA RESPONDENT Alleged Incapacitated Person CITATION GIVING NOTICE OF PETITION FOR APPOINTMENT OF GUARDIAN FOR INCAPACITATED PERSON PURSUANT TO G.L.c. 190B, § 5-304 To the named Respondent and all other interested persons, a petition has been filed by Winchester Hospital of Winchester, MA in the above captioned matter alleging that Linda Verdun Jones is in need of a Guardian and requesting that Karen Kearns, Esq. of Cambridge, MA (or some other suitable person) be appointed as Guardian to serve Without Surety on the bond. The petition asks the court to determine that the Respondent is incapacitated, that the appointment of a Guardian is necessary, and that the proposed Guardian is appropriate. The petition is on file with this court and may contain a request for certain specific authority. You have the right to object to this proceeding. If you wish to do so, you or your attorney must file a written appearance at this court on or before 10:00 A.M. on the return date of 06/08/2020. This day is NOT a hearing date, but a deadline date by which you have to file the written appearance if you object to the petition. If you fail to file the written appearance by the return date, action may be taken in this matter without further notice to you. In addition to filing the written appearance, you or your attorney must file a written affidavit stating the specific facts and grounds of your objection within 30 days after the return date. IMPORTANT NOTICE The outcome of this proceeding may limit or completely take away the above-named person’s right to make decisions about personal affairs or financial affairs or both. The above-named person has the right to ask for a lawyer. Anyone may make this request on behalf of the above-named person. If the above-named person cannot afford a lawyer, one may be appointed at State expense. WITNESS, Hon. Maureen H. Monks, First Justice of this Court. Date: May 11, 2020 TARA E. DeCRISTOFARO REGISTER OF PROBATE May 22, 2020 T he Secure Act (Setting Every Community Up for Retirement Enhancement) may very well have the largest impact on retirement accounts since the passage of the Pension Protection Act in 2006. Although the Secure Act did away with the IRA stretch provisions that allowed beneficiaries to stretch out distributions from the IRA account over their lifetimes, it also increased the age at which IRA account holders are required to take out minimum distributions (RMD’s). Section 114 of the Act increases the age at which an IRA owner or participant in an employer-sponsored retirement plan must begin taking RMD’s from 70 ½ to 72. Participants in 401(k), 403(b) and similar Non-IRAbased employer-sponsored plans will still be able to delay taking RMD’s provided they are still working and meet the requirements of Internal Revenue Code Section 401(a)(9). The new required beginning date for taking RMD’s is now April 1st following the year in which the IRA owner reaches age 72. If you choose to take an RMD in the following year on or before April 1st , you will still have to take another RMD in that same year representing the age 73 RMD. true!) The Shipwreck Lounge was located on Revere Beach Boulevard; right across the boulevard was the beach and the shoreline. Preacher Jack got so moved by the Holy Spirit (fruit of the vine?) one winter evening that he asked the audience, ‘Are there any of you burdened by sin who want to be born again?’ Some of the audience said, ‘Yes, yes, Preacher Jack, take us to the Kingdom.’ Jack rose from the piano bench, walked through the bar, out the front door and across Revere Beach Boulevard onto the snow-covered beach, right into the surf. He waded out waist deep into the waves, turned, and like John the Baptist, shouted out to the dozen or so souls who had followed him from the Shipwreck Lounge, ‘I baptize you with water, but He who is coming after me, whose sandals I am not worthy to carry, will baptize you with the Holy Spirit and fire.’ Now that is what I would call fishing where the fish are. May the good Lord shine upon your face, Mr. Coughlin.” Changes To Required Minimum Distribution Rules This would double up your RMD for that particular year possibly putting you in a higher income tax bracket. Therefore, it might not be to your advantage to defer taking your RMD in the year you actually turn age 72. You might also get hit with IRMAA (Income Related Monthly Adjustment Amount) thereby increasing the amount of your monthly Medicare Part A premium. For anyone that actually turned 70 ½ in 2019, the RMD’s still need to be taken in 2020 if not already taken in 2019. The Secure Act does not allow those individuals to delay RMD’s until age 72. The life expectancy tables have not changed under the Secure Act. These are the tables used to determine the amount of the RMD to be taken each year. Some individuals may wish to take more out of their IRA accounts than the RMD’s. Why? For Estate/Medicaid planning in order to transfer assets to children. Parents may also be in a low tax bracket so taking more money out of IRA accounts now might make sense. Income tax rates could increase with future changes in the tax law. Someone has to pay the income taxes on IRA distributions. Sometimes it makes more sense for the IRA owner to pay the tax and not the children. Asset protection is always a consideration as maybe older Americans are very concerned about nursing home placement and do not have long-term care insurance. They are looking to transfer assets out of their name sooner than later. Joseph D. Cataldo is an estate planning/elder law attorney, Certified Public Accountant, registered investment advisor, AICPA Personal Financial Specialist and holds a masters degree in taxation.
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