#Bokeelia

[nocternalrandomness]

"Bokeelia Sunset"

[photographybymichiale]

“I’m a great believer in luck, and I find the harder I work, the more I have of it.” —Thomas Jefferson (Sunset off the coast of Bokeelia, FL)

[wyldezoo]

Gumbo Limbo at Night

Bokeelia Art Gallery

Bokeelia, FL 16/2/2024

ph: Alice Schaefer

[biz-branding]

Tired of spending weekends cleaning your pool? Let us handle it! Serving St James City, Bokeelia, and the surrounding islands, our professional pool cleaning services ensure your pool is always swim-ready. We offer routine maintenance, one-time cleanings, and everything in between.

[pizzolatolawfl-blog]

🐶 😺 WHY IS PET PLANNING IMPORTANT?

pizzolatowlaw

🐶 😺 WHY IS PET PLANNING IMPORTANT? 🐶 😺 What is involved in creating a plan for your pet? How can a Southwest Florida pet planning lawyer help you? 🐶 😺 Pets are members of the family, and they must be considered when planning for the future. If you are concerned about who will care for your pet if you get sick or pass away, as most pet parents are, it is imperative you speak with an attorney who can help you to use all available legal tools to protect your animal companion.

🐶 😺Call: (239) 225-7911

[shatnerbeachcocktail]

Dipping into the archives once more. Here is another infrared photo of Bokeelia Bay at the northern tip of Pine Island, FL. #irphotography #irphoto #irphotographer #infrared_images #infraredphotography #kramerkreations #bokeelia #bokeeliaisland #pineisland #pineislandflorida #falsecolorir (at Bokeelia) https://www.instagram.com/p/Cp_XNvbJPpC/?igshid=NGJjMDIxMWI=

[brookstonalmanac]

Holidays 7.13

Holidays

Ann Hutchinson Memorial Day

Atomic Bomb Test Day

Barbershop Music Appreciation Day

Bastille Eve (France)

Be A Geek For A Day

Blame Someone Else Day

Bottled Beer Day

Childhood Memories Day

Embrace Your Geekness Day

Festival of Inner Worlds

Festival of the Three Cows (Border of France & Basque Spain)

Fool's Paradise Day

GIST Awareness Day

Go Wakeboarding Day

Go West Day

Gruntled Workers Day

Guinea Fowl Day (French Republic)

International Day of ADHD Awareness

International Day of Sarcoma

International Day of the Conductor

International Growth Hacking Day

International Puzzle Day

International Rock Day

International Rock ’N’ Roll Day

Job Satisfaction Day

Kashmir Martyrs’ Day (Pakistan)

La Retraite Aux Flambeaux (Night Watch; France)

Martyrs’’ Day (Kashmir)

Montenegrin Peoples Uprising Day (Yugoslavia)

Naadam, Day 3 (Mongolia)

Nathan Bedford Forrest Day (Tennessee)

National Day (French West Indies; Tahiti)

National Delaware Day

National Geekness Day

National Paul Day

National Sam Day

National Security Committee Day (Kazakhstan)

Puzzle Day

Sandra Bland Day (Texas)

713 Day

Swiftie Day

Uniwaine Day (Elderly Men Day; Kiribati)

World Aquatics Day

World Cup Day

World Naked Photography Day

World Rock Day

Food & Drink Celebrations

Beans 'n' Franks Day

Krispy Kreme Doughnut Day

National Beef Tallow Day

National French Fries Day (a.k.a. National French Fry Day)

National Nitrogen Ice Cream Day

Independence & Related Days

Alabama (Readmitted to the Union; 1868)

Statehood Day (Montenegro)

Usi (Declared; 2014) [unrecognized]

Wilkland (Declared; 2009) [unrecognized]

2nd Saturday in July

Bald In / Bald Out Day [2nd Saturday]

Blissfest begins (Michigan) [2nd Saturday]

Bon Odori (Festival of the Lanterns; Japan) [2nd Saturday]

Carver Day (Missouri) [2nd Saturday]

Grange Day [2nd Saturday]

International Brick & Rolling Pin Throwing Contest (Stroud; Australia, Canada, UK, US) [2nd Saturday]

International Skinny Dip Day [2nd Saturday]

Lindenfest begins (Rhineland, Germany) [2nd Saturday]

The Mooning of the Amtrak (Laguna Niguel, California) [2nd Saturday]

Stone House Day (New York) [2nd Saturday]

World Rum Day [2nd Saturday]

World Skydiving Day [2nd Saturday]

Weekly Holidays beginning July 13 (2nd Week of July)

Bohemian Club Rites (California) [2nd Saturday]

Jūras Svētki Sākas (Sea Festival; Riga, Latvia) [Every 5 Years]

Festivals Beginning July 13, 2024

Aarhus Jazz Festival (Aarhus, Denmark) [thru 7.20]

Arts & Wine Festival (Los Altos, California) [thru 7.14]

Bierbörse Festival (Rapid City, South Dakota)

Blueberry Festival (Media, Pennsylvania)

Blueberry Festival & Market To Go (Bethlehem, Pennsylvania) [thru 7.14]

Blues & Brews (Mount Hope Estate & Winery, Pennsylvania)

Breckenridge Summer Beer Festival (Breckenridge, Colorado)

Castle Rock WineFest (Castle Rock, Colorado)

Food Truck Festival (St. Paul, Minnesota) [thru 7.14]

Frankfort Bluegrass Festival (Frankfort, Illinois) [thru 7.14]

Horse & Hound Wine Festival (Bedford, Virginia)

Keep NH Brewing Festival (Concord, New Hampshire)

Keystone Wine & Jazz Festival (Keystone, Colorado) [thru 7.14]

Laramie Brewfest (Laramie, Wyoming)

Maine Potato Blossom Festival (Fort Fairfield, Maine) [thru 7.21]

Mango Festival (Coral Gables, Florida) [thru 7.14]

MangoMania (Bokeelia, Florida)

McDade Watermelon Festival (McDade, Texas)

Middle Eastern Festival (West St. Paul, Minnesota) [thru 7.14]

North Atlantic Blues Festival (Rockland, Maine) [thru 7.14]

Parker County Peach Festival (Weatherford, Texas)

Pendleton Whisky Music Fest (Pendleton, Oregon)

Raspberries & Wine Festival (Chisago City, Minnesota) [thru 7.14]

Ridgeway Cantalope Festival (Ridgeway, North Carolina)

Saint Benedict Festival (St. Benedict, Oregon)

Slice of Chico (Chico, California)

Solo Batik Carnival (Surakarta, Indonesia)

Strawberry Festival (Billings, Montana)

St. Vladimir Ukrainian Festival (Parma, Ohio)

Sweet Corn Extravaganza (Willcox, Arizona) [thru 8.11]

Taste of Buffalo (Buffalo, New York) [thru 7.14]

Tequila & Taco Festival (Ventura, California) [thru 7.14]

Feast Days

Abd-al-Masih (Christian; Saint & Martyr)

Abel of Tacla Haimonot (Coptic Church)

Anacletus (Christian; Martyr)

Asarnha Bucha Day (Theravada Buddhism)

Bhanu Jayanti (Sikkim, India)

Blanche of Castile (Positivist; Saint)

Boun Khao Phansa begins (Buddhist Lent)

Clelia Barbieri (Christian; Saint)

Conrad Weiser (Episcopal Church (USA))

Day of Osiris (Everyday Wicca)

Eugenius of Carthage (Christian; Saint)

Feast of Kalimát (Words; Baha’i)

Francis Solano (Christian; Saint)

Geek Appreciation Day (Pastafarian)

Henry II, Holy Roman Emperor (a.k.a. Henry the Emperor; Christian; Saint)

Jane Hamilton (Writerism)

Joel the Prophet (Christian; Saint)

Macarena Day (Church of the SubGenius)

Marcia Brown (Artology)

Maura and Brigid (Christian; Saints)

Millennial Fairy Olympics, Day 8 (Shamanism)

Mordecai Ardon (Artology)

Mildred (Christian; Saint & Virgin)

Mildrith of Thanet (Christian; Saint)

Mr. Screech (Muppetism)

Obon (a.k.a. Ulanbana, Festival of the Lanterns; Buddhist, Shinto)

Ronald Bladen (Artology)

Rosa Mystica (Christian; Saint)

Silas (Catholic Church; Saint)

Solstitium IX (Pagan)

Spot the Loony Day (Pastafarian)

Svein Ellingsen (Artology)

Teresa of the Andes (Christian; Saint)

Thomas Rowlandson (Artology)

Turiaf (a.k.a. Turiave or Thivisiau; Christian; Saint)

Wenceslaus Hollar (Artology)

Wole Soyinka (Writerism)

Lucky & Unlucky Days

Dismal Day (Unlucky or Evil Day; Medieval Europe; 13 of 24)

Egyptian Day (Unlucky Day; Middle Ages Europe) [13 of 24]

Fatal Day (Pagan) [14 of 24]

Sensho (先勝 Japan) [Good luck in the morning, bad luck in the afternoon.]

Premieres

Breaking Away (Film; 1979)

Bully Beef (Terrytoons Cartoon; 1930)

Californy’er Bust (Disney Cartoon; 1945)

Country Mouse (WB MM Cartoon; 1935)

Dedicated To the One I Love, by The Shirelles (Song; 1959)

Don’t Be Cruel/Hound Dog, by Elvis Presley (Song; 1956)

Eight Men Out: The Black Sox and the 1919 World Series, by Eliot Asinof (Sports Book; 1963)

Eighth Grade (Film; 2018)

The Frisco Kid (Film; 1979)

Generation Kill (TV Series; 2008)

Ghost (Film; 1990)

A Hard Day’s Night, by The Beatles (US Album; 1964)

Hollywoodland sign (Dedicated; 1923)

Ice Age: Continental Drift (Animated Film; 2012)

Inception (Film; 2010)

In My Gondola (Color Rhapsody Cartoon; 1936)

The Last Starfighter (Film; 1984)

Legally Blonde (Film; 2001)

Live Aid (Live Charity Concert, Wembley Stadium, London, UK; 1985)

Microbe Hunters, by Paul de Kruif (Science Book; 1926)

Midaq Alley, by Naguib Mahfouz (Novel; 1947)

The Muppets Take Manhattan (Film; 1984)

My Lady’s Garden (Terrytoons Cartoon; 1934)

An Occurrence at Owl Creek Bridge, by Ambrose Bierce (Short Story; 1890)

Pat Garrett & Billy the Kid, by Bob Dylan (Soundtrack Album; 1973)

Pedro and Lorenzo (Noveltoons Cartoon; 1956)

Pilgrim Popeye (Fleischer/Famous Popeye Cartoon; 1951)

Queen, by Queen (Album; 1973)

Rock Odyssey (Hanna-Barbera Animated TV Film; 1987)

Skyscraper (Film; 2018)

The Spy Who Loved Me (James Bond Film; 1977) [#10]

The Stone Age (Oswald the Lucky Rabbit Cartoon; 1931)

Tehanu, by Ursula Le Guin (Novel; 1990) [Earthsea #4]

Where the Money Goes (Money Rock Cartoon; Schoolhouse Rocks; 1995)

Yukon Have It (Chilly Willy Cartoon; 1959)

Today’s Name Days

Anno, Heinrich, Kunigunde (Austria)

Emanuel, Ferdinand, Henrik (Croatia)

Markéta (Czech Republic)

Margrethe (Denmark)

Greta, Grete, Kreet, Kreeta, Mare, Maret, Mareta, Margareeta, Marge, Margit, Marit, Marita, Meeta, Reeda, Reet (Estonia)

Ilari, Joel, Lari (Finland)

Enzo, Eugène, Henri, Joël (France)

Heinrich, Kunigunde (Germany)

Iliofotos, Sarah (Greece)

Jenő (Hungary)

Enrico (Italy)

Alda, Margarita, Margrieta, Mariska, Pērle (Latvia)

Anakletas, Arvilas, Arvilė, Henrikas (Lithuania)

Melissa, Mia, Mildrid (Norway)

Ernest, Ernestyn, Eugeniusz, Irwin, Jakub, Justyna, Małgorzata, Radomiła (Poland)

Margita (Slovakia)

Enrique, Joel (Spain)

Joel, Judit (Sweden)

Ezra, Joel, Joelle, Mildred, Natalia, Natalie, Natasha, Nathalie, Nathan, Nathanael, Nathania, Nathaniel, Tasha (USA)

Henri, Nathalie, Nathaly (Universal)

Today is Also…

Day of Year: Day 195 of 2024; 171 days remaining in the year

ISO: Day 6 of Week 28 of 2024

Celtic Tree Calendar: Tinne (Holly) [Day 7 of 28]

Chinese: Month 6 (Xin-Wei), Day 8 (Wu-Yin)

Chinese Year of the: Dragon 4722 (until January 29, 2025) [Wu-Chen]

Hebrew: 7 Tammuz 5784

Islamic: 6 Muharram 1446

J Cal: 15 Red; Oneday [15 of 30]

Julian: 30 June 2024

Moon: 50%: 1st Quarter

Positivist: 26 Charlemagne (7th Month) [Blanche of Castile]

Runic Half Month: Ur (Primal Strength) [Day 5 of 15]

Season: Summer (Day 24 of 94)

Week: 3rd Week of July

Zodiac: Cancer (Day 23 of 31)

[boogerplus]

Welcoming any and all reptilian rescuers, admirers, fans & fanatics! We keep up with the latest & greatest science and deliver reputable reptile information on alligators, crocodiles, snakes (pythons, boas, etc), lizards (tegu, iguana, monitor, gecko), turtles, tortoises and any critters with scutes &/or scales. Rescuing reptiles along with delivering educational programs is our passion, and we love every individual animal in our special family as we care for them daily!

We offer mobile exhibits for Schools, Camps, Pre-K, Preschool, Events, and more for ALL of Florida! SW Floridians on Pine Island in Saint James City & Bokeelia get neighbor discounts. Local SW areas that have little or no travel fee's include Cape Coral, Fort Myers, Naples, Lehigh Acres, North Fort Myers, & Estero. Also offering small, private animal tours at our facility by appointment. We do not have regularly scheduled hours like a zoo or nature center.

Through connecting people with wildlife we provide a positive and safe environment for inspiring people of all ages to respect and help conserve our natural world and the species we share it with. Together, we can save our world, and all the animals in it!

[brookston]

Holidays 7.13

Holidays

Ann Hutchinson Memorial Day

Atomic Bomb Test Day

Barbershop Music Appreciation Day

Bastille Eve (France)

Be A Geek For A Day

Blame Someone Else Day

Bottled Beer Day

Childhood Memories Day

Embrace Your Geekness Day

Festival of Inner Worlds

Festival of the Three Cows (Border of France & Basque Spain)

Fool's Paradise Day

GIST Awareness Day

Go Wakeboarding Day

Go West Day

Gruntled Workers Day

Guinea Fowl Day (French Republic)

International Day of ADHD Awareness

International Day of Sarcoma

International Day of the Conductor

International Growth Hacking Day

International Puzzle Day

International Rock Day

International Rock ’N’ Roll Day

Job Satisfaction Day

Kashmir Martyrs’ Day (Pakistan)

La Retraite Aux Flambeaux (Night Watch; France)

Martyrs’’ Day (Kashmir)

Montenegrin Peoples Uprising Day (Yugoslavia)

Naadam, Day 3 (Mongolia)

Nathan Bedford Forrest Day (Tennessee)

National Day (French West Indies; Tahiti)

National Delaware Day

National Geekness Day

National Paul Day

National Sam Day

National Security Committee Day (Kazakhstan)

Puzzle Day

Sandra Bland Day (Texas)

713 Day

Swiftie Day

Uniwaine Day (Elderly Men Day; Kiribati)

World Aquatics Day

World Cup Day

World Naked Photography Day

World Rock Day

Food & Drink Celebrations

Beans 'n' Franks Day

Krispy Kreme Doughnut Day

National Beef Tallow Day

National French Fries Day (a.k.a. National French Fry Day)

National Nitrogen Ice Cream Day

Independence & Related Days

Alabama (Readmitted to the Union; 1868)

Statehood Day (Montenegro)

Usi (Declared; 2014) [unrecognized]

Wilkland (Declared; 2009) [unrecognized]

2nd Saturday in July

Bald In / Bald Out Day [2nd Saturday]

Blissfest begins (Michigan) [2nd Saturday]

Bon Odori (Festival of the Lanterns; Japan) [2nd Saturday]

Carver Day (Missouri) [2nd Saturday]

Grange Day [2nd Saturday]

International Brick & Rolling Pin Throwing Contest (Stroud; Australia, Canada, UK, US) [2nd Saturday]

International Skinny Dip Day [2nd Saturday]

Lindenfest begins (Rhineland, Germany) [2nd Saturday]

The Mooning of the Amtrak (Laguna Niguel, California) [2nd Saturday]

Stone House Day (New York) [2nd Saturday]

World Rum Day [2nd Saturday]

World Skydiving Day [2nd Saturday]

Weekly Holidays beginning July 13 (2nd Week of July)

Bohemian Club Rites (California) [2nd Saturday]

Jūras Svētki Sākas (Sea Festival; Riga, Latvia) [Every 5 Years]

Festivals Beginning July 13, 2024

Aarhus Jazz Festival (Aarhus, Denmark) [thru 7.20]

Arts & Wine Festival (Los Altos, California) [thru 7.14]

Bierbörse Festival (Rapid City, South Dakota)

Blueberry Festival (Media, Pennsylvania)

Blueberry Festival & Market To Go (Bethlehem, Pennsylvania) [thru 7.14]

Blues & Brews (Mount Hope Estate & Winery, Pennsylvania)

Breckenridge Summer Beer Festival (Breckenridge, Colorado)

Castle Rock WineFest (Castle Rock, Colorado)

Food Truck Festival (St. Paul, Minnesota) [thru 7.14]

Frankfort Bluegrass Festival (Frankfort, Illinois) [thru 7.14]

Horse & Hound Wine Festival (Bedford, Virginia)

Keep NH Brewing Festival (Concord, New Hampshire)

Keystone Wine & Jazz Festival (Keystone, Colorado) [thru 7.14]

Laramie Brewfest (Laramie, Wyoming)

Maine Potato Blossom Festival (Fort Fairfield, Maine) [thru 7.21]

Mango Festival (Coral Gables, Florida) [thru 7.14]

MangoMania (Bokeelia, Florida)

McDade Watermelon Festival (McDade, Texas)

Middle Eastern Festival (West St. Paul, Minnesota) [thru 7.14]

North Atlantic Blues Festival (Rockland, Maine) [thru 7.14]

Parker County Peach Festival (Weatherford, Texas)

Pendleton Whisky Music Fest (Pendleton, Oregon)

Raspberries & Wine Festival (Chisago City, Minnesota) [thru 7.14]

Ridgeway Cantalope Festival (Ridgeway, North Carolina)

Saint Benedict Festival (St. Benedict, Oregon)

Slice of Chico (Chico, California)

Solo Batik Carnival (Surakarta, Indonesia)

Strawberry Festival (Billings, Montana)

St. Vladimir Ukrainian Festival (Parma, Ohio)

Sweet Corn Extravaganza (Willcox, Arizona) [thru 8.11]

Taste of Buffalo (Buffalo, New York) [thru 7.14]

Tequila & Taco Festival (Ventura, California) [thru 7.14]

Feast Days

Abd-al-Masih (Christian; Saint & Martyr)

Abel of Tacla Haimonot (Coptic Church)

Anacletus (Christian; Martyr)

Asarnha Bucha Day (Theravada Buddhism)

Bhanu Jayanti (Sikkim, India)

Blanche of Castile (Positivist; Saint)

Boun Khao Phansa begins (Buddhist Lent)

Clelia Barbieri (Christian; Saint)

Conrad Weiser (Episcopal Church (USA))

Day of Osiris (Everyday Wicca)

Eugenius of Carthage (Christian; Saint)

Feast of Kalimát (Words; Baha’i)

Francis Solano (Christian; Saint)

Geek Appreciation Day (Pastafarian)

Henry II, Holy Roman Emperor (a.k.a. Henry the Emperor; Christian; Saint)

Jane Hamilton (Writerism)

Joel the Prophet (Christian; Saint)

Macarena Day (Church of the SubGenius)

Marcia Brown (Artology)

Maura and Brigid (Christian; Saints)

Millennial Fairy Olympics, Day 8 (Shamanism)

Mordecai Ardon (Artology)

Mildred (Christian; Saint & Virgin)

Mildrith of Thanet (Christian; Saint)

Mr. Screech (Muppetism)

Obon (a.k.a. Ulanbana, Festival of the Lanterns; Buddhist, Shinto)

Ronald Bladen (Artology)

Rosa Mystica (Christian; Saint)

Silas (Catholic Church; Saint)

Solstitium IX (Pagan)

Spot the Loony Day (Pastafarian)

Svein Ellingsen (Artology)

Teresa of the Andes (Christian; Saint)

Thomas Rowlandson (Artology)

Turiaf (a.k.a. Turiave or Thivisiau; Christian; Saint)

Wenceslaus Hollar (Artology)

Wole Soyinka (Writerism)

Lucky & Unlucky Days

Dismal Day (Unlucky or Evil Day; Medieval Europe; 13 of 24)

Egyptian Day (Unlucky Day; Middle Ages Europe) [13 of 24]

Fatal Day (Pagan) [14 of 24]

Sensho (先勝 Japan) [Good luck in the morning, bad luck in the afternoon.]

Premieres

Breaking Away (Film; 1979)

Bully Beef (Terrytoons Cartoon; 1930)

Californy’er Bust (Disney Cartoon; 1945)

Country Mouse (WB MM Cartoon; 1935)

Dedicated To the One I Love, by The Shirelles (Song; 1959)

Don’t Be Cruel/Hound Dog, by Elvis Presley (Song; 1956)

Eight Men Out: The Black Sox and the 1919 World Series, by Eliot Asinof (Sports Book; 1963)

Eighth Grade (Film; 2018)

The Frisco Kid (Film; 1979)

Generation Kill (TV Series; 2008)

Ghost (Film; 1990)

A Hard Day’s Night, by The Beatles (US Album; 1964)

Hollywoodland sign (Dedicated; 1923)

Ice Age: Continental Drift (Animated Film; 2012)

Inception (Film; 2010)

In My Gondola (Color Rhapsody Cartoon; 1936)

The Last Starfighter (Film; 1984)

Legally Blonde (Film; 2001)

Live Aid (Live Charity Concert, Wembley Stadium, London, UK; 1985)

Microbe Hunters, by Paul de Kruif (Science Book; 1926)

Midaq Alley, by Naguib Mahfouz (Novel; 1947)

The Muppets Take Manhattan (Film; 1984)

My Lady’s Garden (Terrytoons Cartoon; 1934)

An Occurrence at Owl Creek Bridge, by Ambrose Bierce (Short Story; 1890)

Pat Garrett & Billy the Kid, by Bob Dylan (Soundtrack Album; 1973)

Pedro and Lorenzo (Noveltoons Cartoon; 1956)

Pilgrim Popeye (Fleischer/Famous Popeye Cartoon; 1951)

Queen, by Queen (Album; 1973)

Rock Odyssey (Hanna-Barbera Animated TV Film; 1987)

Skyscraper (Film; 2018)

The Spy Who Loved Me (James Bond Film; 1977) [#10]

The Stone Age (Oswald the Lucky Rabbit Cartoon; 1931)

Tehanu, by Ursula Le Guin (Novel; 1990) [Earthsea #4]

Where the Money Goes (Money Rock Cartoon; Schoolhouse Rocks; 1995)

Yukon Have It (Chilly Willy Cartoon; 1959)

Today’s Name Days

Anno, Heinrich, Kunigunde (Austria)

Emanuel, Ferdinand, Henrik (Croatia)

Markéta (Czech Republic)

Margrethe (Denmark)

Greta, Grete, Kreet, Kreeta, Mare, Maret, Mareta, Margareeta, Marge, Margit, Marit, Marita, Meeta, Reeda, Reet (Estonia)

Ilari, Joel, Lari (Finland)

Enzo, Eugène, Henri, Joël (France)

Heinrich, Kunigunde (Germany)

Iliofotos, Sarah (Greece)

Jenő (Hungary)

Enrico (Italy)

Alda, Margarita, Margrieta, Mariska, Pērle (Latvia)

Anakletas, Arvilas, Arvilė, Henrikas (Lithuania)

Melissa, Mia, Mildrid (Norway)

Ernest, Ernestyn, Eugeniusz, Irwin, Jakub, Justyna, Małgorzata, Radomiła (Poland)

Margita (Slovakia)

Enrique, Joel (Spain)

Joel, Judit (Sweden)

Ezra, Joel, Joelle, Mildred, Natalia, Natalie, Natasha, Nathalie, Nathan, Nathanael, Nathania, Nathaniel, Tasha (USA)

Henri, Nathalie, Nathaly (Universal)

Today is Also…

Day of Year: Day 195 of 2024; 171 days remaining in the year

ISO: Day 6 of Week 28 of 2024

Celtic Tree Calendar: Tinne (Holly) [Day 7 of 28]

Chinese: Month 6 (Xin-Wei), Day 8 (Wu-Yin)

Chinese Year of the: Dragon 4722 (until January 29, 2025) [Wu-Chen]

Hebrew: 7 Tammuz 5784

Islamic: 6 Muharram 1446

J Cal: 15 Red; Oneday [15 of 30]

Julian: 30 June 2024

Moon: 50%: 1st Quarter

Positivist: 26 Charlemagne (7th Month) [Blanche of Castile]

Runic Half Month: Ur (Primal Strength) [Day 5 of 15]

Season: Summer (Day 24 of 94)

Week: 3rd Week of July

Zodiac: Cancer (Day 23 of 31)

[photographybymichiale]

“Just one small positive thought in the morning can change your whole day.” —Dalai Lama (A heron and pelican frollick in the setting sun off the coast of Bokeelia, FL)

[poolresurfacingmiami-blog]

We Opened a new Location in Bokeelia Florida. Call Now! (239) 299-7256

Voted #1 in Bokeelia, FL for Pool Resurfacing for the last 15 years. Company you can count on! FREE ESTIMATES!. Call Now (239) 299-7256. Friendly Staff.

[biz-branding]

Keep your pool sparkling year-round with our expert pool cleaning services. We serve all of Lee County, including Ft Myers Beach, Sanibel, Captiva, St James City, Bokeelia, and Matlacha. Our professional team ensures thorough cleaning, debris removal, and chemical balance so you can enjoy a pristine pool every time. Book your service today!

[pizzolatolawfl-blog]

Want to Leave Your Retirement Account to Your Minor Child?  Consider These Things First

Want to Leave Your Retirement Account to Your Minor Child?  Consider These Things First

by nextAdmin1 | Feb 22, 2023 | Retirement Planning

Want to Leave Your Retirement Account to Your Minor Child?  Consider These Things First

Your retirement account may be one of the most valuable things you own. Many people consider naming their children as the beneficiaries of these accounts because they think it is a way of easily transferring their wealth if something happens to them. However, there are some factors that make this type of transfer more complicated than you may think, especially if your child is a minor.

Can a Minor Be Named Individually as a Beneficiary?

Yes, you can name your minor child as the beneficiary of your retirement account or as the contingent beneficiary who would receive it if the primary beneficiary you have named on the account dies before you pass away. However, if your child is a minor when you die and they inherit your retirement account, a court may have to appoint a guardian or conservator to handle any money distributed to the child from the account. This will take time and money, and the guardian or conservator the court chooses may not be the person you would have chosen. You can avoid this by proactively naming a conservator or guardian for your minor child in your will.

Under the Setting Every Community Up for Retirement Enhancement (SECURE) Act, most beneficiaries must receive an entire retirement account within ten years of the account owner’s death. However, minor children of an account owner fall into a special category of beneficiaries (called eligible designated beneficiaries or EDBs). Their mandatory ten-year payout period does not begin until they turn twenty-one, meaning the beneficiary must receive an entire inherited retirement account at age thirty-one. In the meantime, however, they are required to take required minimum distributions (RMDs), which will likely be held in a protected account overseen by their guardian or conservator, until they reach the age of majority in the state they live in (usually between the ages of eighteen and twenty-one). RMDs for these EDBs are based upon the child’s expected lifetime, and they must take them until the end of the calendar year that they turn thirty-one, at which time the retirement account must be fully distributed. It is important to note that the child will have to pay income taxes on any amounts distributed to them. This is usually favorable because the RMDs up until the year they turn thirty-one can be made in smaller amounts because of the long life expectancy of a minor and because they will likely be in a low tax bracket. However, the account must be emptied by the end of the calendar year in which the child turns thirty-one. Depending upon the size of the account, this could mean that the child will receive a large amount of taxable income at a relatively young age. In addition to the potential tax liability, one of the disadvantages of naming a minor child as the beneficiary of your account is that when they reach the age of majority (which could be as young as eighteen in your state), they will gain complete control of the funds and could choose to pull everything out of the retirement account right away, regardless of whether they are mature enough to handle that responsibility. 

Should You Name a Trust as a Beneficiary of the Retirement Account and Your Child as the Beneficiary of the Trust?

Another option is to create a trust for your child and to name the trust as the beneficiary of your retirement account. This option can work for see-through trusts that meet certain criteria under the law and allow the applicable beneficiaries of the trust to be treated as the beneficiary of your retirement account. There are two types of see-through trusts you can consider: conduit trusts and accumulation trusts.

Conduit Trust

A conduit trust requires all RMDs made from the retirement account to the trust to be distributed to the child (or used for the child’s benefit) as soon as the trust receives it. The trust will provide asset protection and tax deferral for the funds that remain in the actual retirement account. In addition, the terms of the trust can ensure that once the child reaches the age of majority in your state, they will not be able to simply withdraw the entire balance remaining in the retirement account all at once. The trustee can also have discretion to withdraw funds from the retirement account in addition to the RMDs, which would then be distributed to or for the benefit of the child, but these decisions about additional withdrawals will be made by the trustee, rather than the child. Although the remaining balance must still be fully distributed to the child by the end of the calendar year in which the child turns thirty-one, until that time, the conduit trust will provide asset protection, tax deferral, and additional time for your child to mature and learn how to handle the money responsibly before receiving a potentially large sum of money.

Accumulation Trust

An accumulation trust, unlike a conduit trust, provides the trustee with the discretion to decide whether to pay out the RMDs to the child (or for the child’s benefit) from the retirement account or to retain the funds in the trust. As a result, the full amount of the funds distributed from the retirement account to the trust can stay in the trust and can potentially be protected from claims made by outside creditors. An accumulation trust will enable you to ensure that the funds are not distributed to your child sooner than necessary or desired and that the child does not gain access to the entire amount in your retirement account as young as eighteen. However, the funds must still be fully withdrawn from the retirement account by the end of the calendar year in which your child turns thirty-one. Any funds retained by the trust instead of distributed to your child will be taxed at the much higher tax rates applicable to trusts rather than the lower rate that is likely to be applicable to your child.

We Can Help

There are pros and cons for each option, and the one that is best for you and your child will depend on your unique circumstances and goals. We can help you think through whether asset protection, tax minimization, or another goal should be your priority. If you already have made your minor child a beneficiary of your retirement account or have set up a trust as the beneficiary of your retirement plan for the benefit of your children, it is important to review and update your beneficiary designations and your trust if needed. Some recent changes in the rules that govern these important accounts will have a big impact on when the funds must be distributed—and may necessitate a change in your plan. Please call us to schedule an appointment so we can help you think through the best plan for your retirement accounts, as well as any other estate planning concerns.

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Welcome to the Captain’s Wives of SWFL. We are two friends who happen to be neighbors and friends! We are passionate about where we live and go on many adventures! Whether it be by boat, car, or foot, join us on our adventures! We will tell you all the tips and tricks of the area so if you ever come visit you will have a complete guide!