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Savvy Senior: How To Navigate Inheriting an IRA From a Parent

By Jim Miller
Dear Savvy Senior,
What are the rules regarding inherited IRAs? My brother and I recently inherited our father’s IRA when he passed away late last year and would like to know what we need to do to handle it properly.
Oldest Sibling
Dear Oldest,
I’m sorry to hear about the loss of your father, but you’re smart to be planning ahead. Inheriting an IRA from a parent comes with a unique set of rules. Understanding them can help you make the most of the money you inherit and avoid an unpleasant surprise at tax time. Here are some basics you should know.
Setting It Up
Many people assume they can roll an inherited IRA into their own IRA, but that’s not allowed for most beneficiaries. If you inherit an IRA from a parent, sibling, or anyone other than a spouse, you cannot treat the account as your own. Instead, your share must be transferred into a newly established inherited IRA, properly titled in the deceased owner’s name—for example, John Smith, deceased, for the benefit of Jane Smith.
If your father named multiple beneficiaries, the IRA can be split into separate inherited accounts. This allows each beneficiary to manage withdrawals independently, as if they were the sole beneficiary.
You can open an inherited IRA at most banks or brokerage firms, although the simplest option is often to set it up with the firm that already holds your father’s account.
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Subscriber Exclusive: Free ebook Edition of ‘A Marriage Below Zero’ by Alan Dale
Subscriber exclusive! I’ll be offering one free public domain book each month to LGBTSr subscribers, current and new. If you’re already on board, look for it in the next email. And if you’re new to the place, just SUBSCRIBE HERE for your free epub and PDF versions.
A Marriage Below Zero (1889), written by Alan Dale, is a pioneering work of early gay fiction and one of the first English-language novels to center a homosexual male character in a serious, tragic narrative.
The story is told from the perspective of Elsie Bouverie, a young woman who enters into what appears to be a promising marriage with the charming and refined Arthur Ravener. At first, their life together seems socially enviable—secure, respectable, and filled with the expectations of Victorian domestic happiness.
But beneath the surface, something is wrong.
Arthur grows emotionally distant, evasive, and restless. Elsie senses that she is not the true object of her husband’s affection. Gradually, she discovers the devastating truth: Arthur is romantically and physically involved with another man. In an era when homosexuality was not only taboo but criminalized, this revelation shatters her understanding of marriage, loyalty, and identity.
Rather than portraying Arthur as a villain, the novel presents him as a man trapped between societal expectations and his authentic self. The “marriage below zero” becomes a metaphor for a union devoid of warmth, passion, and truth—frozen by repression and secrecy. As scandal
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Mark McNease’s Fearsome Fiction Podcast – New Name, Same Great Storytelling: Night Flight to Murder Town – A Marshall James Thriller (Chapters 1 – 3)

Mysteries. Thrillers. Rare Finds.
I’ve renewed, refreshed, and rebranded my fiction podcast, and I’m thrilled to welcome you to the new Mark McNease’s Fearsome Fiction Podcast. Each week I’ll be sharing several chapters of my own harrowing fiction, the kind of stories that creep under your skin and refuse to leave, along with rare and forgotten gems, and select works from other authors whose voices deserve to be heard in the dark.
If you love mysteries with pulse, thrillers with heart, and stories that don’t behave themselves, you’re in exactly the right place.
You can purchase the entire audiobook HERE.
Or listen on Spotify Premium HERE.
This week: Night Flight to Murder Town: A Marshall James Thriller (Chapters 1 – 3)
Marshall James returns in Night Flight to Murder Town, Book 4 in the series. He’s thinking about leaving New York City with his husband for a quieter life, away from the relentless pace of the nation’s largest city. But how did he get here in the first place?
After three stories detailing his harrowing Hollywood past — where lovers, losers, and more than one serial killer nearly ended his life before he could make something of it — Marshall finally tells us how and why he left LaLa Land for Gotham.
This is the origin story beneath the scars. The turning point. The night everything changed.
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The Twist Podcast 319: Bad Bunny Banger, Travel Packing Tips, Vacation Recap and More
This week on The Twist Podcast with Mark and Rick, we dance to Bad Bunny’s tune, share listener suggestions for travel packing, and catch up with Mark after a whirlwind vacation. Find us on YouTube, Spotify, Amazon Music, and every angel’s top ten playlist.
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Coming Soon: LGBTSr Subscriber Exclusive – Free Ebooks Starting with Alan Dale’s ‘A Marriage Below Zero’

COMING SOON! THIS TITLE WILL BE AVAILABE IN MARCH
Starting in March, I’ll be publishing ebook editions of public domain books as an exclusive for LGBTSr subscribers. ‘A Marriage Below Zero‘ will be the first, avaiable in March and provided to everyone on our email list. Haven’t subscribed yet? SIGN UP HERE. And note, I’ll be providing many different titles, covering all the letter in the acronum and beyond. Fiction, nonfiction, poetry, it will all be on the LGBTSr bookshelf for our subscribers to enjoy.
About ‘A Marriage Below Zero’
This novel was a true rarity in its time, telling the story of a man married to a woman while maintaining a secret life of loving men.
In late-Victorian London, Elsie Bouverie believes she is stepping into a respectable, secure future when she marries the charming and cultured Arthur Ravener. He is attentive, refined, and socially admired—the sort of husband any young woman would be fortunate to claim. Or so it seems.
But marriage, in this case, is a stage set carefully arranged to conceal a truth that polite society refuses to name.
As whispers begin to surface and Arthur’s affections drift in ways Elsie cannot understand, the young bride finds herself trapped in a relationship defined not by betrayal in the conventional sense, but by something far more destabilizing: invisibility. Arthur’s deepest emotional and romantic attachments lie elsewhere—with men—and his union with Elsie is less a love story than a social shield.
What unfolds is not melodrama, but slow-burn devastation. Dale’s novel—remarkably bold for 1895—peels back the layers of repression, hypocrisy, and coded desire that shaped queer lives at the end of the nineteenth century. Told through confession and reflection, the story exposes the human cost of compulsory marriage and the quiet ruin imposed by a society determined to look away.
A Marriage Below Zero is widely regarded as one of the earliest English-language novels to center explicitly on male same-sex desire. It is at once tragic, restrained, and startlingly modern—a window into a hidden world that refused to stay hidden.
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On the Map: Quantum of the Seas Takes a Quantum Leap to Cabo and Ensenada (VIDEO)
By Mark McNease
Another early morning, another cup of coffee, my laptop, and the Harp & Horn Pub, my quiet writing refuge aboard Quantum of the Seas. Most mornings I settle into a table at the empty pub on the fourth-floor promenade. The coffee is available 24/7 right next door, the restaurant is silent, and for a couple of peaceful hours it’s the perfect place to work. I’m not someone who can travel without writing; it’s how I stay productive and keep that creative momentum going.
As our Mexico cruise winds down, I’ve been thinking about how quickly this sailing has gone by. This trip has been one of my favorites, and the only real drawback is its length. Six nights just isn’t quite enough time to visit two ports and fully settle into the rhythm of cruising. Ten days feels right. Twelve is even better. Six feels like we’re just getting started and want more.
The sea days were relaxed and restorative, the kind that remind me why I love cruising in the first place. Add in good meals, unexpected conversations, and moments of quiet routine, and it all reminds me why I enjoy this kind of vacation more than most.
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This Week’s Survey: What’s More Important to You As You Age?
As you age, what’s more important to you? Multiple answers okay
Feeling calm and content through the ups and downs of life
Staying curious, creative and engaged
Maintaining friendships and relationships
Feeling seen, valued and heard
Having flexibility with my time and choices
Something else (write in the comments) -
One Thing or Another: Life, Aging, and the Absurdities Of It All – Staying Visible As We Age

One Thing or Another: Life, Aging, and the Absurdities Of It All – Staying Visible As We Age
By Mark McNease
Stay tuned for the return of the One Thing Or Another Podcast: Interviews and Conversation
There’s a moment that comes with aging, a sort of chronological line we cross, when we realize that visibility is no longer something society affords everyone in equal measure.
Earlier in life, being visible often felt like a requirement. We showed up, spoke up, proved ourselves. Being seen was tied to usefulness, productivity, and momentum. Along the way, many of us also learned how to edit and censor ourselves, lowering our voices, choosing our words carefully, deciding when to speak and when to let things pass. Those habits don’t disappear just because the years do.
And then one day, it all shifted. We became older, and invisibility entered our lives whether we invited it or not. Clerks talked past us. Conversations moved forward without our input. Our experiences were acknowledged politely or not-so-politely, then set aside.
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Terri Schlichenmeyer’s Book Picks: Books About Health

By Terri Schlichenmeyer
The Bookworm SezEvery little sniffle. $28 – $30
Various page countsIt feels like you’ve caught them all, no matter how hard you try to avoid getting sick. You wash your hands, you cover your mouth and nose and wash some more. So now try these new health-related books and see if they don’t help.
They say that getting your steps in helps you live longer, and reading “Life After Cars” by Sarah Goodyear, Doug Gordon and Aaron Naparstek (Thesis, $28) will make you eager to do so, rather than drive. In this book, you’ll see what more than a century’s worth of automobile use has done to the air you breathe, the environment, wildlife, human health and safety, the economy, and to lost productivity. It’s a book that calls for change or, at the very least, more mindfulness.
The bad news is that it’ll be allergy season soon.
The good news is that “All About Allergies” by Zachary Rubin, MD (Plume, $30) exists to help you make sense of them. You’re sneezing, your eyes are scratchy, your nose can’t stop running, and breathing normally ain’t happening. Rubin offers cutting-edge information about various allergies including food allergies, asthma, hay fever, and other reasons you feel a mess during certain seasons. (Out 2/24).
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Devil’s Wood Chapter 4: Double Take (AUDIO – Final Tease)

Yes, this is my final offering from the upcoming ‘Devil’s Wood.’ It will be out by this summer, and if you’re hooked listening to these chapter samples, you’ll want to buy the book! Fasten your headphones for one last teaser. – Mark
Devil’s Wood begins when two boys wander into the woods outside Lambertville, New Jersey, and uncover a strange walking stick buried in the soil. One boy feels an immediate, nameless dread and keeps his distance; the other is drawn to it, pulling it free and revealing a grim truth beneath the earth—a human skull buried alongside the object. The discovery hints at an old, unfinished wrong, and a wood that has long remembered what was done there, waiting patiently for someone to find it.
The stick first surfaces in the life of Peter Brightly, a forty-two-year-old antique dealer struggling to hold together the fragments of his life after a painful divorce. As Peter becomes increasingly attached to the object, his health, judgment, and moral center begin to erode. The wood exerts a quiet pull, the past presses closer, and Peter is forced to confront how far he is willing to go to protect his own sanity.
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This Week’s Fun Facts: Things to Know about Mexico

We’re heading out this morning for a tour of Cabo San Lucas, having spent two days on Royal Caribbean’s Quantum of the Seas getting here from Los Angeles. I’m a big fan of Mexico, and one of my favorite trips was a business convention I organized in Mexico City 20 years ago. I still use a blanket I got there as a seat cushion at my desk. Here are some things you may nor may not know about this wonderful country and its past.
Mexico City is sinking—slowly. Built on an ancient lakebed, parts of the city sink several inches a year.
Corn was born here. Maize was domesticated in Mexico over 9,000 years ago and is still central to daily life.
Chocolate started as a drink. The ancient Maya and Aztecs drank cacao mixed with spices—no sugar involved.
The ancient Maya kept stingless bees. Their honey was prized and used medicinally.
Tequila can only be made in specific regions. It’s legally protected—like Champagne in France.
Colorful streets aren’t accidental. Bright paint helped people navigate cities long before street numbers were common.
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Savvy Senior: Tools to Help You Find the Perfect Place to Retire

By Jim Miller
Dear Savvy Senior,
What resources can you recommend for researching good places to retire in the U.S.? My husband and I are interested in relocating to a warmer climate when we retire next year.
Looking to Relocate
Dear Looking,
It’s exciting to think about relocating in retirement! Whether you’re considering seasonal escapes or a permanent change, there are a wide variety of digital resources that can help you find and research new locations. Here are some tips and tools to help you get started.
Where to Retire?
Deciding where to relocate when you retire is a big decision. There are many factors to think about to ensure the move supports your lifestyle, financial goals, and overall well-being. To help you identify some good retirement locations you need to consider things like cost of living, climate, taxes, health care, housing, crime, access to social and recreational activities, access to transportation and proximity to family and friends.



