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Ms. C’s Bed & Biscuits

Choosing Fido’s Best Boarding Vacation

Just as you choose a hotel for your personal vacation, you should choose a fun resort for your four-legged kids’ home away from home. These important features should be present:

• Tours available prior to initial stay. If the kennel does not offer tours, cross it off your list!
• Kennels should smell clean with no odor of stale urine. Good ventilation systems should be in place, along with a sanitation system. If the kennel smells sour when you walk in the lobby, walk out!
• Clean food and water bowls.
• Outdoor play yard should be large, allowing dogs to romp and play. It should be free of debris.
• Caring, loving, and detail-oriented staff. 24 hour surveillance with someone living on premises is ideal.

Ms. C’s Bed & Biscuits offers all these basics, plus many additional amenities, including:

• Large suites with plenty of room for dogs to move around and not feel cramped.
• Special handling of elderly dogs.
• Separate play groups based on activity level.
• Nightly “tuck in” with homemade biscuits.
• TGIF all-meat hot dogs every Friday, special treats on holidays such as pumpkin muffins and almond biscottis.
• Surround sound music.
• Certified PetAirapy Air Purification System.
• Free bath after five-night stay.

Call Ms. C’s Bed & Biscuits for your tour and to arrange your dog’s special vacation. Daycare is also available.

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

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Fleenor Security

The Fleenor Security Difference

 
Fleenor Security Systems is proud to serve the Knoxville area as your local and trusted source for complete home security and automation. We have become one of the largest family-owned security companies in Tennessee, with offices in Johnson City and Knoxville.
 
What makes us different?
 
Many of our customers choose us after experiencing the frustration of having to call a 1-800 number out of state to request a service call, resolve billing, or find an answer to a simple question.

Since re-establishing our Knoxville office, hundreds of residential and business customers have again become part of the Fleenor family, and we value and appreciate your entrusting us to protect your family and property.

The 24/7 Fleenor central monitoring station is always on duty, and our Knoxville office is staffed with professionals who are familiar with your system, the neighborhoods where your home or business is located, and ready to help you.
 
Utilizing your own smartphone as your “command center,” our industry-leading smart technology enables you to control the lights, lock the doors, lower the thermostat when away from home, open and close the garage door, and even check in on cameras at your home to see if a package has arrived!
 
For added peace of mind, our business customers also have the same smartphone convenience with security system control, remote viewing of cameras, and the availability to be notified of any unusual activity.
 
Our local specialists are well-trained, experienced industry professionals who can evaluate, design, and install the right solution to meet your family’s needs.
 
Fleenor Security Systems provides residential and business security systems, fire system monitoring, cameras, monitoring, and home automation systems supported by our prompt, local service.
 
We invite you to experience the Fleenor family difference!
 
Fleenor Security
6700 Baum Drive, Ste. 22
Knoxville, TN 37919
865.544.9964
www.FleenorSecurity.com
TN C-0239 VA 11-1901 NC 1721-CSA

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Ms. C’s Bed & Biscuits

Summer Safety Reminders for Pets

With summer upon us, vacations and holidays, including the 4th of July and Labor Day, are a time of celebrations. Your pets’ safety and happiness should be a continued priority while planning these events. Because everyone is tempted to include their four-legged kids in their outings and vacations, Ms. C’s would like to offer some hazardous facts to take into consideration before you take your fur baby with you.

Leaving your pets in the car alone, even if you park in a shaded area and are away for only a short time, spells danger. Car interiors can reach 120º even in the shade, so never leave your pet in the car. Even with the windows cracked, the heat index rises extremely quickly, potentially causing suffocation. Be a good pet parent by not risking your dog’s safety this summer.

Loud noises and crowds at outdoor picnics make most pets nervous. Scared dogs can quickly develop into anxious, easily overheated dogs, especially in warmer weather. Dogs don’t perspire; they dispel body heat by panting and through the pads of their feet. For overheated pets, heat exhaustion and heat stroke can result in brain damage and possibly death. Consider the comfort – both emotional and temperature – of your dog before including them in your outings.

To assure their safety, security, and happiness, give your pet his own “doggy vacation” at Ms. C’s Bed & Biscuits. Day camp is offered Mondays, Tuesdays, Thursdays, and Fridays from 7:30 am to 6:00 pm. Outside play time, plus an air-conditioned private suite with fresh water available continuously, allows him time to relax and rejuvenate throughout the day.

Summer overnight “camp” is filling up quickly! Ms. C’s takes reservations up to six months in advance, so call 865-986-6325 today or click the “book a reservation” tab on the website.

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

Did You Notice This Proposed Tax Increase?

By Yvonne Marsh, CFP®, CPA

There’s a lot of press surrounding President Biden’s proposed personal tax increases to help pay for the American Families Plan, and it’s important to know which ones apply to you and your family. At the moment, these proposals are just that – and not final. Here are two potential tax increases that get a lot of press but probably won’t affect you:

• Individuals with taxable income over $523,600 and couples over $628,300 would revert to a 39.6% top tax bracket from the current 37%.
• Households with over $1 million in income would see the base tax rate on capital gains and qualified dividends increase from 20% to 39.6%. This type of income would continue to be subject to the 3.8% net investment income tax.

But there is a third proposed change based on assets rather than income that I find the most compelling to watch and which will, arguably, affect more people:

• The elimination of the step-up in basis for inherited non-retirement assets.

Currently, if you buy a share of stock and sell it for a profit, you pay capital gains tax on the profit. Or if you never sold it and passed the stock to your heirs, the entire embedded gain goes away – your heir escapes taxation. But under this new proposal, death is treated like a sale, and your heirs would have to recognize the capital gain you never did. This would apply to non-retirement investment accounts, vacation homes, rental property, family businesses, farms, etc. This rule has a $1 million exemption, so that helps lessen the impact for many households.

Keep your eye on the expiration of the current personal tax rates, which are already legislated to expire in 2025. Taxes will never be cheaper than they are right now, and multi-year systematic Roth conversion strategies should be an integral part of your tax planning between now and then. Needless to say, proactive tax planning will continue to be imperative under these constantly shifting sands of the tax code!

Join me June 15th on Zoom to learn more.

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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Fleenor Security Systems

Knoxville Homeowners: The Five Most Common Home Security Mistakes

With summer approaching, it is the perfect time to reevaluate the security of your property. If you are not properly securing your home, you could be increasing the chance of a home burglary. By acting now, you can easily avoid common home security mistakes to ensure your property is as safe as possible.

1. Leaving doors and windows unlocked
Doors and windows serve as an easy entry point into your home when left unlocked. Whether you forgot to lock the backdoor or left a window open, you are making your home an easy target for a skilled burglar!

2. Hiding a spare key outside
Still hide a key under the doormat to provide easy access for additional members of the household? Whether the key is under the doormat, hidden in a fake rock, or somewhere you think a burglar would never look, you are mistaken. Instead of hiding the spare key, leave it with a trusted neighbor, friend, or family member. Better yet, Smart Locks eliminate the need for keys, allowing you to take your home security above and beyond.

3. Providing cover for a burglar
Burglars are sneaky; don’t make it easier for them by providing the perfect hiding spot. Take a walk around your property and look for areas that provide places to hide. Clear overgrown areas and keep trees and bushes near your home trimmed.

4. Leaving the garage door open
Are you working in your yard all day? Did you forget to close the garage door after returning home? Not only does an open garage door provide easy access into your home, it also lets a burglar see what’s inside, potentially making your home the desired target. Most burglars pick a house after surveilling the neighborhood.

Additionally, tools are most likely to be kept in the garage. Allowing easy access to these items can make a burglar’s job effortless! Keep tools and ladders locked away to prevent a burglar from using them to gain entry into your home.

5. Making it apparent that no one is home
If you have to be away from your home for an extended period, follow the home security tips below:

• Stop mail and newspaper delivery
• Have a neighbor park an extra vehicle in your driveway
• Arrange for someone to cut the grass
• Place interior and exterior lighting on a timer
• Refrain from posting vacation pictures while you’re away

These common home security mistakes are easy to fix and will help reduce the odds of a break-in. The best way to ensure the security of your home and family is with a reliable home security system. A home security system, installed and monitored by Fleenor Security, can easily be customized to fit your needs, providing you with the best security possible.

Fleenor Security Systems
6700 Baum Drive, Suite 22
Knoxville, TN 37919
865.544.9964
www.FleenorSecurity.com
TN C-0239 VA 11-1901 NC 1721-CSA

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Are You Paying Too Much for Medicare?

By Yvonne Marsh, CFP®, CPA

Medicare is tricky – it’s an alphabet soup of “Parts” and “Plans” that each have their own costs, and the total monthly premiums quickly add up. Here are two ways to make sure you’re not overpaying.

First, many people don’t realize that your Part B premium cost is based on the tax return you filed two years ago. So for 2021, the government is looking at your 2019 return. While the base monthly cost is $148.50 in 2021, if you made more than $176k as a joint filer ($88k single), they’re going to hit you with a surcharge, called IRMAA (Income Related Medicare Adjustment Amount). IRMAAs range from an extra $59 to $356 per month for Part B and $12 to $77 per month for Part D.

Let’s say you retire and start Medicare in 2021, so they’re looking at your 2019 tax return to determine your Part B premium – when you were making a lot more money than you are now, being retired. It doesn’t seem fair that you should have to pay that extra surcharge, right? Right. And there’s a form for that… Form SSA-44, where you can request a waiver of that IRMAA surcharge and not have to pay it!

In fact, if you’ve had income decrease for lots of life-changing events – divorce, death of a spouse, work reduction, etc. – you can use the same form to apply for an IRMAA waiver. Technically, it doesn’t apply if you have a large capital gain in a year that does not repeat in future years, but I’ve had two clients apply for the IRMAA waiver under that circumstance and been approved, so it’s definitely worth a try.

Second, you can shop your Medicare Supplement policy for the cheapest price all year round – not just during open enrollment in the fall. All Med Supp plans offer the same benefits by Plan letter, so you’re literally searching for the cheapest price. Our in-house Medicare expert, Rick Austin, has a free quoting tool that looks across all companies to find your best price, if you need help.

Want to learn more Medicare tips and tricks? Join myself and Rick Austin on a Zoom call on May 12th at 10:30 am where we’ll share our Medicare insights and have time for Q&A as well. RSVP to bethany@marshpros.com and she’ll send you the link to register. See you then!

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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Fleenor Security Systems

6 Things You Should Know About Home Security Systems

There are many considerations when installing a home security system, including the benefits of the latest home convenience features now offered. In our 40 years of serving East Tennessee families, here are just a few of the reasons why homeowners choose Fleenor Security Systems to protect their homes and loved ones.

1. Protect valuables

Protecting valuables, of course, is the benefit most people immediately think of regarding home security. We likely all know someone who has lost electronics, jewelry, or other high-value items due to a home invasion. The tragedy can intensify if the stolen valuable is an irreplaceable family heirloom. While using a safe can help protect irreplaceable items, a home security system has an alarm that can scare off many would-be burglars – before they are inside – and notify the local authorities if someone does attempt a break-in.

2. Deter crime

2009 study by Rutgers found that as the number of home security systems increased in an area, the number of residential robberies decreases – even for people who did not own a security system. Having a security system not only protects you; it also helps deter crime and create a safer neighborhood for everyone.

3. Allow remote access to your home

Modern security systems now allow you to remotely monitor your home from your phone when you’re not there. You can monitor security cameras installed throughout your home, control smart thermostatssmart keyless door lockssmart lighting, and other smart devices in every room of your home.

4. Lower homeowner insurance premiums

Having a monitored system in your home can lower your homeowner’s insurance premiums. These savings, combined with instant access to police and emergency responders, makes a security system a great value.

5. Notification of fire alarm or gas leak

You can opt-in to receive notifications if your smoke alarms or carbon monoxide detectors go off when you’re away from home. You can even set up the system to notify authorities in the event of these emergencies.

6. Provide peace of mind

The sense of security and comfort you gain with an alarm system is perhaps the most prominent benefit of all. Next to being protected, the confidence of feeling safe will help you be a more productive, healthy, and focused person.

Adding a security system to your home gives you an extra layer of defense against any potential intruders. Whether you rent or own, you can enjoy the benefits that come with having a security system. Contact us today to schedule your free consultation with a professional at Fleenor Security to see how a security system can better protect your valuables and loved ones.

Fleenor Security Systems
6700 Baum Drive, Ste. 22
Knoxville, TN 37919
865.544.9964
www.FleenorSecurity.com
TN C-0239 VA 11-1901 NC 1721-CSA

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Ms. C’s Bed & Biscuits

Socialization is Essential

Behavior is a product of nature and nurture – a mix of genetics and experience. Under-socialized dogs, including the “Covid Dogs” we discussed last month, can exhibit various problems, including:

General fearfulness – These dogs can have crippling anxiety about anything that’s unfamiliar, manifesting in an unwillingness to approach new situations and environments. An under-socialized dog’s world is very small because life outside the front door is frightening and unpredictable.

Reactivity – Not having the coping skills to appropriately respond to stressful scenarios, these dogs react defensively in an effort to maintain a buffer from the “scary” stimulus. They are not mean dogs, just scared dogs.

Nervous with people – If a dog doesn’t have the opportunity to meet friendly strangers at his own pace, he might react fearfully – whether retreating or barking preemptively.

Uncomfortable with dogs – Dogs who aren’t able to meet other dogs of all ages and sizes will be wary of making new canine friends. Without exposure to the language of doggy play, it’s easy for a dog to misconstrue a frisky nip as an invitation to fight.

Hard to handle – An under-socialized dog may hate being handled, making grooming (brushes & combs torture devices!), teeth cleaned, or nails clipped very challenging – if not impossible.

It’s not the quantity of experiences your dog has when developing socialization and communication skills – it’s the quality. The secret to a positive outcome? Don’t push it too fast; start doggy daycare with half-day sessions, then full-day, followed by overnight camp. Allow your pet to adjust to new environments at his own pace. That’s where our IDP (Individual Development Plans) come into play. Call today to begin developing your dog’s socialization skills!

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

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Fleenor Security

Security Has a Name: Fleenor

Fleenor is back! While Fleenor Protective Services, once owned by Mike Fleenor, is gone, Fleenor Security Systems, headquartered in Johnson City, TN, is proud to be serving the Knoxville area once again! Fleenor Security Systems, founded by Norman Fleenor in the early ’70s, has become one of the largest family-owned security companies in Tennessee. Mike Fleenor, Norman’s brother, started Knoxville’s Fleenor Protective Services a decade later in the mid-1980s. The companies were always separate, but for many years, Knoxville’s FPS used Johnson City’s Fleenor Security System’s monitoring center. Once Mike sold FPS in 2015, Will Fleenor, vice president of Fleenor Security Systems, pushed to get back into the Knoxville market. Mike Fleenor was very supportive, and since Fleenor Security already had some Knoxville accounts, it just made sense to open a Knoxville office as well.

Same family, same values, same culture.

“Fleenor Security employs many of the same people who worked in the Knoxville office for years; many have 25 to 30 years of experience, which translates to quality work,” said Will.

One of those long-term employees is Andre Duhaime, branch manager, who began as a technician and has worked in security for more than 30 years.

“With his industry experience, Andre could work just about anywhere,” states Will.

“But the big companies don’t provide local customer service,” Duhaime explained. “I wanted to get back to what I was used to here with Fleenor.”

Fleenor Security Systems provides residential and business security, fire, cameras, monitoring, and home automation systems supported by our prompt, local service. We invite you to experience the Fleenor family difference!

Fleenor Security

6700 Baum Drive, Suite 22

Knoxville, TN 37919

865.544.9964

www.FleenorSecurity.com

TN C-0239 VA 11-1901 NC 1721-CSA

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Parkview Senior Living

Active Senior Living vs Assisted Living

As you or your loved one ages, the question of care begins to come to the forefront. How much daily care does the elder adult in your life require? And how do you find the appropriate senior housing to fit their needs in a respectful, dignified setting? Determining whether an assisted living facility is the correct path, or if an independent senior living facility is the suitable choice, is a good place to start.

Assisted Living
Assisted living facilities focus on helping residents with the activities of daily life. Some residents may require assistance with personal hygiene, mobility, medication, and even eating. Staff members are trained to offer this level of supervision and support, and some facilities have skilled nursing and medical services on-site.

Active Senior Living Community
In most cases, an active adult community provides minimal hands-on care by facility staff. If you or your seniors are in good health and are excited about a burden-free lifestyle, then an independent living facility would be your choice. This type of facility offers freedom from the responsibilities that come with home ownership along with the benefit of socialization with other seniors.

As an independent senior community, Parkview Senior Living provides private apartments with access to multiple common areas, on-site dining, housekeeping/laundry services, weekly events and activities, building security, and with staff on premises 24/7 – peace-of-mind. While they don’t have on-site medical care, pill maintenance and other services are available. With the goal of making their residents’ lives easier with fewer responsibilities, Parkview also provides opportunities for socialization, exercise, and a sense of community.

Which Community is Right for You?
If you or your seniors are struggling to manage day-to-day needs, then assisted living is likely the right choice. If you’re an active senior, still able to care for your daily needs, and you’d like to connect with other active seniors, then an independent senior living community is your best bet.

Parkview West Knoxville – Broome Road
865.357.2288

Parkview North Knoxville – Emory Road
865.339.4422

Parkview Maryville – West Broadway
865.980.8810

Coming Soon: Tullahoma, TN

www.ParkviewSeniorLivingTN.com
Facebook.com/RetireAtParkview

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