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Maple Court Senior Living

Compassionate, Supportive Memory Care at Maple Court

Nestled in beautiful Powell just outside of Knoxville, Maple Court Senior Living offers warm, private, country-setting accommodations with exceptional and innovative memory care. You’ll find our memory care community surrounded by beautifully landscaped grounds. In addition to intimate, comfortable rooms, there are secured outdoor areas and a specially trained team on-site 24/7.

Maple Court’s memory care program is designed to meet the unique needs of people living with Alzheimer’s disease and other dementias. Our highly trained staff works with our residents on a daily basis to support them through their memory loss. We strive to offer great care at a great value.

We all have basic needs for love, accomplishment, and belonging. While dementia may alter the way we experience and express these needs, Maple Court understands that the essential human quality of these needs does not change. We want to celebrate each resident as a whole person – not only for who they were when they were younger, but for who they are today.

Everyone has a story to tell, and we love hearing them all. Our team focuses on honoring each resident from day one. We seek to learn the meaningful details of your loved one’s life – where they’ve been, what they’ve done – and what activities might be especially fun or meaningful to them now. Those are the kind of details that make a difference. Families are also encouraged to participate in daily activities – we aim for a family feel and positive social engagement for all of our residents.

The caring team at Maple Court provides an atmosphere where each resident can continue to enjoy life one moment at a time. We create fulfilling opportunities for our residents to experience life in ways that give them joy and satisfaction every day. ​

To learn more about our memory care program, contact us today! Call 865-291-1390 or visit www.maplectseniorliving.com.

Maple Court Senior Living
7545 Thunder Lane
Powell, TN 37849
865.291.1390
www.maplectseniorliving.com

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Ms. C’s Bed & Biscuits

Halloween: Fun for Families… Scary for Pets?

This Halloween put yourself in your pet’s “shoes” and think like your pet thinks!  People in costumes are scary, and because they don’t fit into the routine home environment, Halloween guests may be perceived as intruders. The chaos of trick-or-treaters, costumes, and such may be troubling even to the best natured dog, making him nervous, irritable, and possibly snapping. Your dog may mistake jovial, good fun for genuine threats.

During Halloween, do not leave your dog in the backyard. There have been reports of taunting, feeding, agitating, and even poisoning dogs on Halloween.  A nervous dog will bark and howl at the constant foot traffic.  Do not put your dog in the car or the garage.  A half hour prior to Halloween festivities, put your dog in a secure, quiet place in your home as far away from the greeting door as possible.  Depending on the dog, you may crate him.  If you insist your dog greet guests, keep him on a leash, as pets can become stressed, feel threatened, and may growl, lunge, or run out the door.

Candy is NOT intended for pets! Chocolate is especially dangerous, and candy wrappers are dangerous, too. If your pet consumes wrappers, it can cause intestinal blockage that can lead to surgery to save his life.  Keep all candy OUT of reach of your pets!

Your dog deserves a Halloween party of their very own!  Make boarding reservations for your dog to attend Ms. C’s exclusive “Doggy Halloween Party.”  We have special nutritious treats planned for Friday, Saturday, and Sunday night during Halloween weekend. Call today to reserve your dog’s suite.

Ms. C’s Bed & Biscuits
2145 Beals Chapel Road
Lenoir City, TN 37772
865.986.6325
www.MsCsBedandBiscuits.com

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Marsh Wealth Management

Don’t Let the New SECURE Act Rules Take 40% of Your IRA

By Yvonne Marsh, CFP®, CPA

A gentleman in his late 60s came to see me recently and told me that his beloved father had left him an IRA worth just over $1 million.  He told me how he had already filled out the forms to withdraw the money and use it to pay off his house, take a trip, and give some money to his own kids and grandkids.  And then he wanted help investing the rest of the money for his own retirement.  I asked him a question that caught him by surprise: “Did you budget for the $400,000 in taxes you just triggered by taking a lump sum withdrawal of the entire account?”  Sadly, he had not realized that the IRA withdrawal was taxable income.  I had to tell him that the IRS doesn’t allow us to “un-ring” the bell, put the money back, and draw it out more slowly instead.  There are no do-overs with inherited IRAs.

I can see the potential for new tax mishaps under the SECURE Act that was enacted in 2019, which now requires beneficiaries to empty the inherited IRA account by the end of 10th year following the year of death.  Within that 10-year period, there is total flexibility – withdraw it all or withdraw none.  I fear that the years might blur and heirs inadvertently lose track of how long it’s been and accidentally miss the deadline.  Because if they empty the account on the first day of the 11th year, there is a 50% penalty on the late withdrawal PLUS income tax owed.  A $1 million IRA would have a $500,000 penalty and a $400,000 income tax bill, leaving the heirs with $100,000.  Crazy, isn’t it?

On the plus side, the 10-year period is a great tax planning opportunity, allowing an heir to take large distributions in some years and none in others, using the flexibility allowed within that time period to their advantage, minimizing the amount of tax ultimately paid.

The SECURE Act has raised the urgency of tax planning and ongoing advice. First, IRA account owners need their named beneficiary designations set up correctly to give heirs the option of the 10-year window, and second, the heirs need professional ongoing advice to minimize their tax bill and avoid needless penalties.  Navigating the nuances of inherited IRAs is not for the faint of heart – and there are no do-overs.

As part of our wealth management services, we help our clients successfully navigate these intricate IRA rules.  Our clients don’t spend their free time reading the complex tax code, because we do it for them! Peace of mind is priceless.  Join us for a 30 minute Zoom webinar on Wednesday, September 16, at 10:30 am to learn more about how you can protect yourself from unintentional mistakes and use the SECURE Act IRA requirements to your advantage.  Email bethany@marshpros.com and she’ll send you the link to register.

Marsh Wealth Management, LLC

Fiduciary Registered Investment Advisor

504 Ebenezer Road

Knoxville, TN 37923

865.622.2162

www.marshwealth.com

Financial Planning & Investment Advisory Services are offered through Marsh Wealth Management, LLC (“MWM”), an independent investment advisor registered with the state of Tennessee. Yvonne Marsh is an Investment Advisor Representative of MWM in the state of Tennessee. Marsh Professional Group, LLC is a TN registered public accounting firm and a separate legal entity from MWM. For a detailed discussion of MWM and their investment advisory fees, see the firm’s Form ADV on file with the SEC at www.adviserinfo.sec.gov.

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Aqua Clear Water Systems

Leaking copper pipe with jets of water under pressure

Do You Have Pinhole Leaks? It Might Be Your Water…

By David Brewster, Owner of Aqua Clear Water Systems, LLC

I have heard pinhole leaks are a huge pain. Not from personal experience, but from the clients I have worked with. Stories of massive floods, ripping out drywall, hidden mold growing behind the wall, and 10k-20k re-plumbing jobs having to be done. And the sad part is most people think it’s just their old plumbing, and there is no alternative but to invest in totally gutting the plumbing. Luckily, we have saved many clients from turning their home into a job site by fixing the water that travels through those old pipes.

Chlorine is corrosive to copper. It reacts with the copper to create a chemical compound: Copper chloride. This compound can slowly attack copper from the inside, which results in those tiny but destructive pinhole leaks. Also, hard water, an abundance of calcium/magnesium, can erode copper pipes if a hot water recirculation pump is installed.

Kinetico water systems remove the chlorine, chloramines, and hardness that can attack copper pipes. We also add a special coating filter, after the Kinetico system, to recoat the copper plumbing from the years of damage. After installing hundreds of Kinetico Systems to fix our clients’ pinhole leak issues, we can say with 100% certainty that it works.

We’ve been saving our valued clients from 10k-20k re-plumbing jobs and from turning their home into a job site. And not only did they save their plumbing, but they also get all the other benefits of installing a Kinetico whole house water filtration system. We are so confident that we have a turn-key pinhole leak prevention system that we will refund your investment if it doesn’t stop your pinhole leak problem. Call or text 865-986-4234 to schedule your free pinhole leak assessment, and get your questions answered.

Aqua Clear Water Systems

865.986.4234

www.aquaclearws.com

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Importance of Friendship in Older Age

When you’re a senior citizen, having good friends and being social positively affects you both physically and mentally. Studies have found that socializing can strengthen your immune system, reduce stress, lower blood pressure and the risk of heart disease, as well as sharpen your memory and help you sleep better. Friends cause better overall health because they motivate healthy habits and keep your health on track by helping you stay vigilant.

Loneliness has been linked to a higher risk of depression, dementia, and cognitive decline. Having strong friendships and simply talking to someone can lead to improved self-confidence, increased happiness, and a better outlook on life.

When it comes to building relationships, experts suggest finding supportive people with similar interests. Here are some good ways to meet new people:

» Volunteer. Pitch in to help others or your community – it’s a chance to get out of the house and enjoy face-to-face interaction.

» Take a class. You can find classes by searching online for topics that interest you. Check out local organizations such as the YMCA.

» Get moving. Try an activity that will get you out and moving around. Parkview communities each have a state-of-the-art fitness center and a beautiful, pet-friendly walking trail.

» Get involved with your faith community. If you’re religious, check out events happening at your local place of worship.

» Connect via social media. Sites like Facebook can help you find and reconnect with old friends and join groups that interest you.

» Cheer on your team. An easy way to find people with similar interests is connecting with fans through fan pages and forums. Or gather your friends at Parkview together to watch the big game.

Taking steps toward actively being social in a safe manner and pursing good relationships will set you on a path towards a healthy mindset and lifestyle. Parkview Senior Living values friendship and socializing in their community and offers multiple amenities to help you embody your inner social butterfly.

Parkview Knoxville
770 Broome Road
865.357.2288

Parkview Maryville
1413 W. Broadway
865.980.8810

www.ParkviewSeniorLivingTN.com

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Dog Socialization

Dog owners realize that a balanced diet and exercise are vital to a dog’s health, but many don’t recognize the significance of dog socialization. Instinctively, dogs are pack animals; poorly socialized dogs are not inherent. Dogs who are not socialized become fearful of unusual or new circumstances, and stress has a negative effect on your dog’s mind and body.

Because of the way the brain develops, socializing a dog who has been raised without any canine interactions as a pup gets harder as the dog gets older. During puppyhood and adolescence, dogs are open to new experiences. With proper early socialization, most dogs will be comfortable in a variety of situations. Still, with the right help, older dogs can be socialized.

We received a recent reservation request from dog owners who stated, “My dog is older. She’s never been boarded or around other dogs. We need to board her. Can you assist us?” Yes, but it can be challenging for the dog if not done properly. We suggest an introduction time. Depending on the amount of time between the request and actual boarding, we will begin acclimating the dog to our environment, which is a totally new experience for her. We recommend a visit for a couple hours, followed by half day and full day daycare before her staycation. During this adjustment period, your dog builds her impressions and attitudes about us. She will have a positive experience, which helps build a happy foundation for her boarding.

We’re happy to visit with you regarding your boarding needs and dog’s socialization skills. Discover how doggy daycare can help even the most timid dog become relaxed and happy in a canine only resort while you are away from them.

Ms. C’s Bed & Biscuits
2145 Beals Chapel Road
Lenoir City, TN 37772
865.986.6325
www.MsCsBedandBiscuits.com

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Ms. C’s Bed & Biscuits

Safe, Easy Dog Boarding and Daycare

Pets are an amazing stress release. And according to the CDC, unless you have been diagnosed with COVID-19, you can interact with your pets as you normally would, including walking, feeding, and playing. Your pets are not the carrier of this human-to-human virus.

We understand how difficult it is to be “stuck at home” during these trying times. At Ms. C’s, we miss our interaction with you and your four-legged kids.

Ms. C’s is open and providing doggy daycare for all of our clients, including those serving in “essential fields” such as medical practitioners, firefighters, and police who are exhausted at the end of their long and challenging days. Our heroes often don’t have the energy needed to care for their dogs at the end of the day.  Ms. C’s large outdoor play area and constant interaction with your dog is why we are considered an “essential business.”

Sanitation protocols have always been a top priority at Ms. C’s. No dog is allowed in our facility without up-to-date vaccination records provided directly from the veterinarian.  We were also the first kennel in the area to install a PetAirpy UV air filtration system, which kills  99.9% of airborne viruses and bacteria. We are proud of the fact that we’ve had no sick associates or dogs since installing the PetAirpy System.

At Ms. C’s., we continually review the latest CDC guidelines and adjust our operations to meet these changing recommendations. Currently only Ms. C’s owners are present at the kennel. We routinely sanitize contact surfaces and disinfect high-touch areas such as door handles, knobs, gate latches, floor mats, and more. We maintain recommended social distancing standards by greeting your dog at your car upon arrival and departure. All other business is transacted by phone. It’s as easy and as safe as that.

There is always a light at the end of the tunnel, and our pets can assist us in providing that much needed light. The sun will continue to shine tomorrow. Within a few weeks we will be happily greeting all clients again.

Ms. C’s Bed & Biscuits

2145 Beals Chapel Road

Lenoir City, TN 37772

865.986.6325

www.MsCsBedandBiscuits.com

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Marsh Wealth Management

Searching for That Silver Lining

By Yvonne Marsh, CFP®, CPA

These uncertain times are particularly heightened for today’s retirees.  Not only does the pandemic have a disproportionate impact on those 65 and older, but retirees’ financial strategies have to withstand market volatility while continuing to provide income.  As most financial decisions have potential tax consequences, our clients appreciate the fact that we are not only Certified Financial Planners, but Certified Public Accountants as well.  Here are some opportunities hidden within these turbulent times:

» This is a fabulous time to do a Roth conversion.  Why? You can convert a bigger percentage of your traditional IRA balance at tax rates starting at only 8%. These lower tax rates are set to expire in 2025. Let’s say your goal was to convert $100,000 of your $500,000 IRA, or 20% for each of the next five years, and you’re willing to pay the tax on that $100,000 conversion.  After the market correction, let’s say your account is now worth $425,000, and the $100,000 conversion now allows you to move 24% of your IRA into a Roth IRA, all while paying the same amount of tax.  Then, when the markets recover, the growth on your converted IRA dollars will be happening within the tax-free Roth IRA.  So you move out of the traditional IRA while the markets are down and let those dollars grow again in the tax-free Roth.  A winning strategy!

» If you’re retired and subject to the Required Minimum Distribution rules, take advantage of the provisions under the new CARES Act that allow you to suspend your RMDs for 2020. This helps (1) by not requiring you to sell and withdraw assets on a market downcycle and (2) by keeping those taxable RMDs out of your 2020 reportable income.  This provision applies to all types of IRAs, employer 401(k) and 403b plans, and inherited IRAs.  And if you’ve already withdrawn your RMDs and want to put the money back, you can, under the 60 day rollover window rules.  Write a check to your custodian for the gross RMDs you’ve received in the last 60 days and you can reset the clock.  Remember though, there is only one 60 day rollover allowed per 12 month period.

» Once the daily volatility in the markets slow down and the economic fallout has been adequately quantified, it’s time to take a look at rebalancing your investment accounts.  Your stock allocation has probably drifted below your risk tolerance, and it will be time to sell some of your bond allocation and replenish the stock side of your account.  Regular rebalancing forces us to follow the rules of Buy Low, Sell High.  Our emotions want us to do the opposite – but emotional investing strategies are not winning strategies.  Stay the course and rebalance at least once a year.  Whether it’s a new set of golf clubs, a nice outfit, or a mutual fund, we all love a good sale.

I understand the apprehension that results from uncertainty. As the daughter of retirees, I appreciate what so many of you are experiencing right now. I also share your concerns for the future, and our team is available to help you navigate these uncertain times. Visit our website at www.marshwealth.com, where the “Contact Us” page has multiple ways for us to communicate.  We’ll help you find your silver lining.

Marsh Wealth Management, LLC

Fiduciary Registered Investment Advisors

504 Ebenezer Road

Knoxville, TN 37923

865.622.2162

www.marshwealth.com

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Ms. C’s Bed & Biscuits

Stress-Free Doggy Daycare

Our family dogs can sense tension and stress in a household, making their own lives more stressful. With growing numbers of family members remaining closer to home nowadays, our dogs deserve some special time to relieve the stress and tension that they are experiencing as their normal routines are placed out of balance. Their parents and their kids are glued to their televisions, laptops, and smart devices as we telecommute and study online. Tension is bound to result with family members completely out of their normal routine.

Why not let Ms. C’s do what we do best – “taking care of your four-legged kids” while you take care of  business at home (telecommuting, taking care of children, assisting elderly parents, etc.)? We have very strict cleaning and disinfecting controls in place, including installing the PetAirapy UV System, which has a 99.9% kill rate of viruses and bacteria.

Give your four-legged kid a much needed break by calling and making an appointment today for daycare for your dog. It’s only $20 per dog from 7:30 am to 6 pm Monday, Tuesday, Thursday, and Friday. If you wish, we will be happy to come out to your car to greet your four-legged kids. Just put us in your cell phone as a contact, give us a call when you enter our driveway, and we will greet you in person. Give us a call at 865-986-6325 today!

Ms. C’s Bed & Biscuits
2145 Beals Chapel Road
Lenoir City, TN 37772
865.986.6325
www.MsCsBedandBiscuits.com

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South High Senior Living

The Surprising Healthy Benefits of Volunteering

By Helen Porter, CTRS, CADDCT, Executive Director of South High Senior Living

As a recreational therapist, I certainly believe in the power of play. Every senior living community should offer a wide variety of opportunities and a stellar activities program. As a part of an Integral Senior Living (ISL) community, one component of our programming is “ISL Inspires.” I’ve loved it from the beginning, knowing that repurposing and getting seniors involved in their community was important – and fun! However, when I learned about the statistics of volunteering, the purpose of the ISL Inspires and the need for it was greatly reinforced and brought on an even deeper meaning.

When it comes to leading a healthy life and adding quality years and longevity, we’re all willing to try new things – exercises, fad diets, or the newest supplements. And that’s not just seniors. The answer could be much more simple than we ever thought – just help out. Volunteer your time!

Studies have found some amazing benefits of purely sharing your time! It gives a whole new meaning to the idea that you have to give to get. In one study, individuals over 50 who were volunteering had 38% fewer nights spent in the hospital. In a Carnegie Mellon study, 200 hours of volunteering per year correlated to lower blood pressure. And that’s not all. An AARP study stated that “70% of volunteers who initially reported five or more symptoms of depression reported fewer symptoms at the end of the first year.” The National Institute on Aging has stated that participating in meaningful social activities, like volunteering, can improve longevity, improve mental health, and reduce the risk of dementia.

So how do we all get more time? We give it.

South High Senior Living
835 Tipton Avenue
Knoxville, TN 37920
865.205.1186
www.southhighknoxville.com

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