Are you Planning to Sell your Primary Residence?

I have been getting a lot of questions regarding the tax implications if you sell your primary residence so thought it was a good topic this week!


Taxpayers who are selling their home may qualify to exclude all or part of any gain from the sale from their income when filing their tax return.


As long as you live in your home and occupy it as your primary residence for at least 2 of the past 5 years, you are eligible for an exclusion.


Gains Taxpayers who sell their main home and have a gain from the sale may be able to exclude up to $250,000 of that gain from their income. Taxpayers who file a joint return with their spouse may be able to exclude up to $500,000.

 

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For example, you and your wife purchase your home in 2017 for $300,000. You are selling it in 2024 for $825,000 and paying a 5% commission. You also had to get a new roof while you owned it for $30,000. The potential capital gain is calculated as follows:

 

Selling Price:           $825,000

Closing Costs:         ($41,250)

New Roof:               ($30,000)

Purchase Price:       ($300,000)

Capital Gain: $453,750


Since this is less than the $500,000 that is excludable, there is no taxable gain. The amount of your mortgage at the time of the sale is irrelevant.


Have Questions? Schedule your Year End Tax Planning Meeting Now!


Click the link below to book your Meeting with me!


Book Now!

Supplies are still being collected for victims of Hurricane Helene for our neighbors to the North!


  • Bottled water, Shelf Stable Milk, Instant Coffee/Tea, Non-perishable food, Baby food/formula, Disposable Plates, bowls & utensils
  • Hand Sanitizer, First Aid Supplies, Dust/Face Masks, Bar Soap, Toothpaste/Toothbrush, Hand Lotion, Chapstick, Shampoo, Deodorant, Baby Wipes, Diapers, Feminine Products
  • Dog/Cat Food & Treats, Cat Littler
  • Dish Soap, Cleaning Supplies (Bleach and Disinfectant Spray), Laundry Detergent-Liquid or Powder (no pods), Trash Bags, Toilet Paper, Paper Towels, Buckets, Gallon Ziplocs, Batteries, Flashlights, Matches, Duct Tape, Tarps and Ropes


We will be collecting items between now and Tuesday, October 29th in our Lobby so if you would like to make your tax deductible donation to support these efforts, please bring to our office: 1760 N. Jog Road, Ste 150, West Palm Beach, FL.


Also, for those affected by Hurricane Milton locally, if there are collection efforts, please send an e-mail to Shyann at Shuggins@d-acpa.com with the information so we can try to assist!


Spooky Season is Here!


Check out the Halloween confections beautifully created by Earth & Sugar!


This year they have created a delicious assortment of treats to celebrate the holiday:

  • Halloween Cookie Decorating Kitts
  • Spider Web Halloween Cakes
  • Spooky Charm Mini Snack Cakes


Visit their website to order today! CLICK HERE!

🌙✨ New Moon Ritual ✨🌙


We’re thrilled to begin our new moon rituals and warmly invite everyone to join us.


We also invite all sound healers to join us as we set intentions, embrace fresh starts, and build community together. This donation-based event invites you to bring fresh flowers or anything special to add to our beach mandala. 🌸


Join us on Nov 1st at 6:30 PM by the civic center (same spot as Friday morning beach yoga). Everyone is welcome to be part of this magical new beginning. 🌊💫

A Non-partisan, Astrologically-Informed Case for


Voting in Our Next Election


Geo-political Astrology


The astrological system that informs and interprets world affairs is called Mundane Astrology. (The word

mundane in this context means “world”.) In contrast I am a Personal Astrologer. This means I address

everyday issues of everyday people not world affairs. There is a significant content overlap between Mundane and Personal Astrology. Thus, I typically understand what a Mundane Astrologer is saying about the state of geo-political affairs. And, however, as I am not trained to be making definitive statements about politics -- I tend to shy away from this. However, I find the election topic captivating and, as a result, I have listened to the election predictions of many (more than 20) different Mundane Astrologers. These astrological professionals and also a few astrological dabblers, similar to the polls, are all over the place in their predictions. The overall trend favors Harris to be the winner. However, as there are also some highly respected astrologers who favor Trump there is just not a clear predictable choice. I agree with people who conclude that, as of now, the election results are a toss-up. There is, however an interesting and noteworthy trend. Every astrologer, no matter who they think will win the election says the election will be chaotic and predictably not resolved on 11/5.


Interpreting Astrology Charts in General and the U.S. Birth Chart in Particular


The Sibly chart (named after the astrologer who cast it in the late 1700’s), is also known as the U.S. "birth"

chart. It is a natal chart based on the signing of the Declaration of Independence on July 4, 1776, at 5:10 PM in Philadelphia. Commonly accepted astrological wisdom and chart reading protocol is that there are a Big Three components of an astrology chart that are considered to be most important. They are the Sun, Moon, and

Ascendant. Referencing the Sibly Chart the US has:


1. Sun in Cancer The Sun in a country’s chart represents the core identity, purpose, and vitality. For the U.S., having the Sun in Cancer highlights a nation with strong emotional and protective instincts, emphasizing home, family, and security.


2. Moon in Aquarius The Moon in a country’s chart represents emotions, the collective unconscious, the public mood, and instincts. In Aquarius, the Moon points to an emotionally detached, forward-thinking, and innovative collective. This placement suggests a desire for freedom, equality, and individuality—values that are at the core of the country's identity.


3. Ascendant in Sagittarius The Ascendant in a country’s chart represents the persona of the nation in the world—how others perceive it and the nation’s overall approach to life. Sagittarius is a sign associated with exploration, freedom, optimism, and a broad worldview.

Contribute to Saving the Planet: An Astro-Mojo Case for Casting Your Vote


As described at the beginning of this article, no matter which candidate an astrologer predicts to win, every astrologer sees much turmoil surrounding the election. The Sibly astrology chart can be utilized to confirm the U.S. is headed for turmoil. There are several different ways the U.S astrology will be negatively influenced by the movement of the planets in real time during the election season. These validate that there will be on-going turmoil surrounding the election. Of concern on election day, is that Saturn, the task master of the zodiac, directly

challenges (a square aspect) the U.S. Sibly Chart Ascendant. As stated earlier the Ascendant is

one of the astrological Big Three. The Ascendant relates to how our nation is perceived by others. This challenging Saturn aspect will negatively influence how the enemies of the U.S. perceive us.


At the same election time, Pluto and Mars will be opposite each other and thus creating a tug of war between them. In astrology, the planets Pluto and Mars are associated with war due to their respective energies representing power, intensity, transformation (Pluto), and aggression, conflict, and action (Mars); when these two planets interact it can signify the potential for intense power struggles, violent situations, and significant societal upheaval. This planetary configuration has the potential to manifest in having our enemies perceive vulnerability and as a result take actions that will lead to war.


My Cosmic Perspective on Why This Matters on a Micro Scale


The date of my birth defines me as very early Baby Boomer. We, (The Baby Boomers), were born when Pluto, the ruler of nuclear weapons (plutonium) was in Leo. Spiritual astrology invites those of us born with Pluto in Leo to pay attention to the fact that we incarnated in a critical timeframe. We were born at a time when a nuclear weapon was actually deployed and its devastating affects revealed. It is my belief that our Baby Boomer higher selves are called to recognize the seriousness of this issue. I also believe we are called to be proactive in helping assure that it does not happen again.


Throughout my adult years I have repeatedly heard people say, “It is a privilege to vote”. Although I have consistently voted ever since I was old enough to do so, my inner cynic at times has thought, “What difference does one vote really make?” Now I see a meaningful difference. The difference I see voting can make now is that, no matter who one votes for,

voting unto itself will be a collective sign and message to both U.S. allies and our enemies that

the American people are committed to the long-term well-being of the nation and the world. Thus, I will conclude by sharing the reminder that: “It is a privilege to vote.”


Would You Like to Explore and Get to Know Your Higher Self Better?


You are warmly invited to join us for the Winter session of High VIBE Mastery. Then looking

forward to 2025 we invite you to continue with us to enjoy the depth and breadth of a year-

long program with monthly activities. Learn more on the following page.



~Hattie

Join Us to Experience the Best in Holistic Health & Spiritual Wellness!


We are excited to announce our confirmed 2024 date! Save the Date for 11/9! The Frequency 432 Healing and Wellness Expo is an elevated event where integrative health meets conscious living in Palm Beach County, Florida. This year's expo will be hosted at Coastal Karma Brewery, which is veteran-owned and operated - what better way to honor our Veterans on Veteran's Day weekend!


Our mission is to empower individuals to adopt healthier lifestyles for themselves and the planet. We are committed to educating communities about the latest advancements in natural health and sustainability, inspiring them to lead more balanced and fulfilling lives. Come out and experience some of South Florida's finest holistic practitioners and talented artisans.

Check out this year's vendors - watch the video below!

CHECK OUT THIS YEAR'S VENDORS!
Visit Event Page


With Love & Gratitude,

XO


Jill & Team!

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