East Tennessee's Mountain Views

East Tennessee's Mountain Views

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P.O. Box 432

Vonore, TN 37885

865.856.6463

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Add Real Value to Your Home and to Your Life

Thursday, July 2nd, 2020 | Uncategorized | No Comments

We all want a beautiful kitchen, but a great kitchen also needs to be as functional as it is beautiful.  Our family kitchen is where we cook, bake, and store essentials like food, supplies, and pots and pans.  A well-thought out kitchen has plenty of storage and is designed so you can quickly and easily find what you need and conveniently and safely reach it.  

ShelfGenie is the true turn-key leader in kitchen innovation

At ShelfGenie, we design, build, and install custom, glide-out shelves that safely pull out the full depth of your existing cabinets and pantries to maximize usable storage and increase organization and accessibility. More shelves can fit into an existing cabinet or pantry, you can access the entire shelf front to back, plus each shelf is made by us using high-quality materials and superior craftsmanship and can hold up to 100 pounds, so you can load them up. Made in America, we do not use one-size-fits-all, big box store substitutes.

Our process begins and ends with the homeowner

Our design consultant will get to know your exact needs during our free, in-home consultation.  We will help to inspire your design with a plan to meet your individual needs and goals. Next, your glide-out shelves will be manufactured in our very own manufacturing facility to your exact specifications. Our licensed, professional installer will then install your order in one day.  Finally, your designer will come by on a follow-up visit to ensure you’re completely 100% satisfied.    

Enjoy your innovative new kitchen

Turn frustration with your kitchen into a joy.  You can expect to increase your storage area by up to 50%, reduce wasted time looking for items, and avoid having to bend, twist, or reach into the backs of cabinets.  

What our clients say

“Awesome folks to deal with. Great workmanship.” – D.A., Knoxville

“We love the new shelves.  They are truly life changing in the kitchen.” – R.K., Knoxville

“Great improvement to what I had and very happy with the people I worked with.” – S.O., Vonore

“I LOVE, LOVE, LOVE my new kitchen pull-out shelves.  Very professional.”  – K.B., Powell

“Love my new pantry shelves!  They are sturdy and beautifully installed.  Great customer service and friendly folks.” – M.M, Loudon

To learn more or to schedule your free consultation, call 865-409-1197 or visit www.shelfgenie.com

A totally turn-key experience: Design • Manufacture • Installation • Made in America

ShelfGenie® 
865-409-1197
www.ShelfGenie.com/East-Tennessee

Summer Sale-A-Bration

Thursday, July 2nd, 2020 | Uncategorized | No Comments

25% Off Now in Progress… 50% Off Begins July 25

As the temperature goes up, The Lily Pad prices go down! All summer merchandise is now 25% off, leading up to our HUGE semi-annual 50% off sale beginning Saturday, July 25, at 10 am.

As most of you know, this day has become quite a great social event! You’ll see lots of your friends and neighbors, all having fun and assisting each other find bargains galore!

To prepare for this major event, beginning July 1st, the entire “LaSale Boutique” (the large room in the rear of the store) goes to 70% off, clearing the way for the next season!

Shop our great selections of cotton gauze, now the most popular items we carry during the sweltering summer heat. These lines never go on sale as they’ve become staples year-round per customer request! Many new styles and colors are arriving daily, so visit our website or the store to check these lines out… unbelievable comfort, quality and design! Funky and fun, these styles take you anywhere!

Remember to mark July 25th on your calendar… it’s a day we look forward to… seeing so many of our Lily Pad friends on one day, enjoying yourselves and looking for your Lily Pad finds! You may want to come in ahead of time, try on and make your list so you’ll know what to hurry in for on the morning of the sale! We look forward, as you do, to this fabulous event!

There’s no way to clear the store of summer stock in one day, so if you prefer to shop when it isn’t so crowded, plan to come to Sweetwater in the following days and make it a leisurely day to shop and dine. The merchandise remains at half price until it’s gone! We’ll look forward to seeing you when we open the doors promptly at 10 am on Saturday, July 25th!

The Lily Pad Boutique
209 N. Main Street
Sweetwater, TN 37874
423-337-5537
www.lilypadboutiqueonline.com

Look Your Best: Safely

Thursday, July 2nd, 2020 | Uncategorized | No Comments

By Misty Pina, Owner of The M Salon

There’s no question about it: The last couple of months have been challenging for our families, our nation, and the world. But fortunately, we have turned the corner. We’ve discovered that we can safely return to most normal activities when we practice several simple safety practices, including frequent hand washing, wearing masks when out and about, and proper social distancing.

At The M Salon, the personal safety of our clients and our associates remains our top priority. Our services are by appointment, and our waiting area is closed. Each of are associates have their temperatures taken daily, as do our clients. When you arrive, check in by cell phone, and one of our associates, wearing a mask, will come out to greet you when it is time for your appointment. We require that each of our clients wear a mask, answer a few health related questions, and have their temperature checked.

When you enter, you’ll notice a few changes inside the salon. The first thing you’ll notice is that we have installed social distancing safety screens around each of our work stations to provide an even greater degree of protection for our clients. You will also see each work station sanitized between clients and the frequent use of hand sanitizer.   

The other thing you’ll notice during your visit is our continued commitment to a level of personal care that is designed to exceed your expectations. It’s as simple as that. Safety and an awesome experience. 

Call us at 423-884-3285 for an appointment today.

The M Salon
In the Derby Downs Shopping Center on Hwy 411
423-884-3285

5 Tips to Tidy Up Your Finances

Thursday, July 2nd, 2020 | Uncategorized | No Comments

By Yvonne Marsh, CFP®, CPA

I think we can all admit that the health pandemic and the incredible resulting economic shocks have given all of us pause, to think about our place in the world and how secure we really are – whether in our finances or in our good health.  But good things can come from that kind of wake-up call, including the awareness that it might be time to do a little sprucing up in the area of your family’s finances. Here are five tips to get you started:

1. Take a look at your credit card statement and decide whether you’re really using all of those monthly subscription services that are so easy to sign up for.  And how about that expensive cable or satellite bill?  We cut ours from $140/month to $60/month, and that feels really good.

2. If you noticed that you were spending a lot less on expensive restaurants and fancy coffee, be deliberate in continuing to save that new-found source of money.  Invest $100/week for 10 years earning an average of 5%, and you’ll have a cool $67,425.

3. It’s time to review your legal planning, no matter how old you are.  A will is important, yes, but so is a financial power of attorney, which allows a trusted person to manage your finances if you’re incapacitated.  No one (not even your spouse) can access your individually-owned IRA or 401(k) without a power of attorney.  And don’t forget about healthcare directives, too. Let’s make life easy for our loved ones if anything ever happens to us.

4. Check your IRA and 401(k) beneficiary designations.  Keep in mind that beneficiary designation forms override the terms of your will. And if your beneficiary forms are blank or incorrectly completed, your account will go through your estate and probate process. This triggers critical tax consequences, and those accounts can be claimed by your creditors.

5. If the pandemic triggered some thoughts of “What would my family do if something happened to me?”, it’s time to look at your life insurance and your disability insurance.  If the results are reassuring and your family is protected, that’s great news.  If it unnerved you, then it’s time to take action.

Personally, I took some time to review my family’s finances, and I found a few items to tidy up; I’ll bet you will, too.  Call, email, or contact me on our website if you’d like to learn more.

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisors
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.

Hearing Health in These Troubled Times

Thursday, July 2nd, 2020 | Uncategorized | No Comments

To help protect our clients, we have a set of guidelines with intensified cleaning, disinfection, and extra hygiene alertness. We offer free testing and follow up appointments from the comfort of your own home, and we have extended hours to accommodate your schedule. 

We offer:

» Free at-home hearing testing or in our office if you prefer.

» Hearing aid fittings in the comfort of your own home with intensified extra hygiene alertness.

» Evening and weekend hours if you prefer.

» If you are not sure if a hearing aid is right for you, try our free Flex:Trial. We will deliver your hearing aid directly to your door, and we will help you learn how to use it and become comfortable with it.

» We offer a great opportunity for you because you can have appointments right in your own home. You never have to worry about taking time off from work or finding other people to care for your kids. If you are a person that needs assistance with getting to a clinic, Tellico Hearing Solutions eliminates that need for a caretaker.

We respect when clients are concerned about going out to a clinic. We take your health very seriously, and we are following every precaution to ensure that we maintain a clean, safe, and sterile process for you. You will benefit from the high standard of care and sanitization we offer. We wear gloves and facemasks and sanitize everything before, during, and after appointments and testing visits. 

More than ever, it is important that you look after your hearing health so you can stay connected with all developments during this time. We are here to help however we can. To discuss your concerns and available options, call us at 865-635-1887.

We offer affordable hearing aid solutions that utilize the most advanced hearing aid technology available. Call or email us today for your free hearing test! We are located in Vonore, Tennessee, serving Monroe, Loudon, and Blount counties – Vonore, Loudon, Madisonville, Sweetwater, Lenoir City, Maryville, and neighboring towns. 

Tellico Hearing Solutions
Robert Ferraro, H.I.S.
865-635-1887
www.tellicohearingsolutions.com
contact@tellicohearingsolutions.com

What You Need to Know About the CARES Act

Monday, June 1st, 2020 | Uncategorized | No Comments

Did you receive unemployment benefits?  Did you know those unemployment benefits are taxable? 

The answer is yes.  One part of the CARES Act (Stimulus Package) provides those eligible for unemployment benefits are entitled to an extra $600 a week on top of the standard weekly benefit.  The payment of the unemployment benefits has also been extended by 13 weeks.  And for the first time these benefits are available to out-of-work self-employed workers.  Generally, out-of-work individuals may qualify up to $875 per week.  These unemployment benefits will likely be a financial lifeline during this financial crisis.  However, before you start making plans to spend all of that money on essentials and bills, you should be aware that unemployment benefits are considered income, which means you will likely pay income taxes on this income.  For example, if you receive the $875 benefit for 26 weeks, you would receive unemployment benefits totaling $22,750.  When included with your other taxable income sources, these benefits could increase your tax liability.  If you happen to be in the 25% income tax bracket, you could see a $5,688 increase in your income tax liability. 

Did you know you can forego your 2020 Required Minimum Distribution (RMD)? 

All Required Minimum Distributions (RMDs) have been waived for 2020.  This waiver includes Traditional Individual Retirement Accounts (IRAs), 401(k), 403(b), 457(b), and inherited plans.  You should use this opportunity to revisit your retirement plans to determine how you can use it to optimize your plan.  If you have already taken your RMD for 2020, you may be able to pay it back.  There is a permanent rule that allows a withdrawal from a retirement account to be re-deposited within 60 days without tax consequences.  It can be re-deposited back into the same account or another retirement account. The 60-day limit does not apply if you have been directly impacted by COVID-19.  The CARES Act provides guidelines to determine if you qualify.  If you, a spouse, or dependent have been diagnosed with COVID-19, SARS-Co-V2 virus, you or your spouse have experienced “adverse financial consequences” from being quarantined, laid off, furloughed, had your work hours reduced, or unable to work due to a lack of child care are factors to determine if you were impacted.  You may be allowed to return only one withdrawal, and you generally must return the entire amount withdrawn.

Did you know it might be a good time to convert a Traditional Individual Retirement Account to a ROTH IRA?

Consider converting to a ROTH while the markets are low.  Some taxpayers are eligible to convert all or a portion of their Individual Retirement Account into a ROTH IRA.  The conversion is taxable in the year of the conversion.  The value of the amount converted is reported an income and included in computation of taxable income.  The value of the transfer is determined by the market value of the stock on the day of conversion.  For example, you contributed to your IRA and it was invested in stock.  The stock grew to a value of $136,000.  Today the stock is worth $100,000.  You convert it to a ROTH IRA and report and pay tax on the $100,000 value.  The stock rebounds to its pre-crash value, and now your ROTH IRA is worth $136,000.  You paid tax on the $100,000 value, and since income earned in a ROTH IRA is not taxed, you will not be taxed on any part of the ROTH IRA when withdrawn.  Thus, the $36,000 gain is tax-free.  Another benefit is our current low tax rates are expected to go up, so it may be a better time to pay the tax.  Remember withdrawals from the Traditional IRA are generally fully taxable, while amounts withdrawn from a ROTH IRA are not taxed.

Can I borrow money from my IRA?

The answer is yes. Generally, you cannot borrow from either your traditional or ROTH IRA.  However, thanks to the CARES Act, in certain situations, you may take a distribution from your IRA and pay it back.  Taxpayers under the age of 59 ½ can withdraw up to $100,000 from qualified retirement accounts and IRAs in 2020 without a 10% early withdrawal penalty if the individual meets the coronavirus-related requirements.  The 20% mandatory federal income tax withholding is waived.  If not paid back, the amount withdrawn may be included income ratably over a three year period.  If the withdrawals are repaid within three years from the date of the withdrawal, these repayments will be treated as a tax-free rollover. The factors to determine if you were impacted are the same as those listed above under ROTH conversions.  The CARES Act also increases the amount of eligible loans for some taxpayers.

Some of the details included herein are subject to change as the IRS releases its rules and regulations regarding the CARES Act.  This article is not intended to provide specific tax advice.  You should consult your legal and/or tax advisor before making any financial decisions.

The tax professionals at WarrenJackson can assist you in accessing if any of these opportunities are right for you.  Please contact one of our offices and make an appointment.

WarrenJackson, CPAs

606 South Main Street in Sweetwater
423-337-5003

409 College Street in Madisonville
423-442-3890

219 West Broadway Street in Lenoir City
865-988-4440

206 N. Hill Street in Athens
423-745-9314

Summer at The Lily Pad Boutique

Monday, June 1st, 2020 | Uncategorized | No Comments

After being closed for almost eight weeks, The Lily Pad has reopened stronger and better than ever!  We used our downtime wisely by ripping up carpet and installing new wood flooring, repainting, and making some minor changes to the layout of the store to provide more space.

The best part of being closed was that it truly made us count our blessings even more than usual… and you, our customers and friends, are what we missed most! We are so pleased that we can now visit with you again – even though we miss the hugs and the smiles behind those masks!

As you know, fashions have been moving in a more casual direction even before the pandemic and now, more than ever, we are seeing that trend continue as our lifestyles become even more laid back than before. As you ease into the wonderful East Tennessee summer and our more relaxed lifestyle, you will naturally gravitate to a more comfy wardrobe… one that is suitable for outdoor entertaining or an evening on the lake. 

Summer is also the season we look forward to welcoming back your summer houseguests, many of whom have shopped with us before and cannot wait for their annual visit to The Lily Pad. Remember, you can easily entertain your guests for an entire day in our quaint little town… an eclectic mix of shops and eateries with easy parking. Whether they are antique lovers or they simply want a day filled with fashion, food, and fun… we are looking forward to seeing you and your summertime visitors again!

Happy summer and happy shopping!

The Lily Pad Boutique
209 N. Main Street
Sweetwater, TN 37874
423-337-5537
www.lilypadboutiqueonline.com

The Friendship Kitchen

Monday, June 1st, 2020 | Uncategorized | No Comments

One of the variety of ministries that Shepherd of the Lake Lutheran Church participates in is the Friendship Kitchen.  Area churches have teamed up to provide a fresh meal to people in need every Monday. The local churches take turns preparing, packing, and delivering meals to approximately 80-90 people in the Loudon area who are homebound due to illness or simply in need of a helping hand.  

Shepherd of the Lake Lutheran Church works together with the Episcopal Church of the Resurrection, since neither church has the facilities or manpower to participate on their own.  Meal ingredients are purchased by volunteers, and funds are donated and/or covered by grant money to cover the costs.  Food is then prepared in the kitchen of the Episcopal Church of the Resurrection in Loudon, boxed up and delivered by volunteers from Shepherd of the Lake. The meal consists of a healthy portion of pulled pork, coleslaw, seasoned baked beans, and a most sought-after cookie for dessert.  

Drivers are welcomed by those who look forward to their meal delivery and some friendly chit chat, especially in the cases of those who are homebound.  The Shepherd of the Lake and Resurrection Episcopal team has been volunteering on the third Monday of every other month for the past several years and look forward to continuing this joint ministry for years to come.  It is especially rewarding to be able to work together to fill a need in the community that neither church could accomplish on their own.  

Shepherd of the Lake Lutheran Church
143 Chota Center
Loudon, TN 37774
865-816-4756
www.shepherdofthelaketn.org

How Exercise Positively Affects Your Brain

Monday, June 1st, 2020 | Uncategorized | No Comments

Have you ever taken a nice long walk or jog or done some form of cardio and experienced a “feel-good” type of sensation right afterwards? If so, then you may have experienced what’s often been termed as the “runner’s high.” It’s a temporary euphoric feeling where you may experience a general sense of well-being. 

What does this have to do with the brain? A lot actually. That euphoric feeling is an increase in the levels of neurotransmitters like dopamine, serotonin, and noradrenaline. According to New York University Neuroscientist Dr. Wendy Suzuki, the effects are immediate and can then be long-lasting depending on you. Here’s why.

» A single workout can improve your ability to shift and focus attention for up to two hours because of the effects of those neurotransmitters on the prefrontal cortex and hippocampus parts of your brain. 

» To get long-lasting effects, you’ve got to change your exercise habits to increase your cardiorespiratory function. This is when your brain starts to physically change. The hippocampus begins to produce brand new brain cells, which then increases its volume while at the same time improving long-term memory. 

» The more you work out, the bigger and stronger the hippocampus and prefrontal cortex become, the two areas of the brain most susceptible to neurodegenerative diseases. 

In other words, exercise has protective effects on your brain. Dr. Suzuki tells us to think of the brain like a muscle. The more you’re working out, the bigger and stronger it becomes. Suzuki is quick to point out that exercise doesn’t cure dementia or Alzheimer’s disease, but by creating a stronger and bigger prefrontal cortex and hippocampus, it can take longer for these diseases to actually have an effect. She says to think of exercise as a “supercharged 401(k) for your brain.”

So consider adding a 30 minute cardio exercise routine, three to four times a week at least, to your schedule. No need to join a gym if you can’t afford to. Walk some stairs, walk your neighborhood, do some yoga. Whatever gets your body warmed up and works for your activity level. We think it, and you, are totally worth it!

Parkview Knoxville
770 Broome Road
865.357.2288

Parkview Maryville
1413 W. Broadway
865.980.8810

COMING SOON!
Emory Road and Tullahoma, TN

www.ParkviewSeniorLivingTN.com

Is Ken Fisher Right?

Monday, June 1st, 2020 | Uncategorized | No Comments

By Yvonne Marsh, CFP®, CPA

We use insurance companies all of the time – to insure our homes if they catch fire, to insure our health if we are hospitalized, to insure our life if we die too young, to insure our income if we’re disabled and unable to work.  So why are we so apprehensive to insure our income in case we live too long?  I think it’s because of the bad press surrounding the word “annuity.”  

We’ve all seen Ken Fisher’s ads – “Why I hate annuities and you should, too.”  His premise is that you shouldn’t give up the potentially higher returns of the stock market for the safety of annuities – whether you use them as a safe investment alternative, or to provide guaranteed income, or both. 

I’ve always chafed at those ads, because retirement isn’t a one-size-fits-all world.  For some retirees – he’s right – they have a pension and Social Security and they can afford the market risk.  But for some retirees without an employer pension, he might be wrong.  My clients tell me that their peace of mind isn’t in the dollar amount of assets they’ve accumulated or how smartly it’s invested.  Their peace of mind comes from knowing they’ll never outlive their money, no matter what the markets do.

And it’s not just my clients who think so – a study by Wade Pfau, a noted retirement researcher at American College, asked a group of retirees what they liked the most about the income annuities they owned. They said it gave them:

» Increased confidence, reporting higher levels of life satisfaction and less stress.

» The freedom to spend… and invest. Whereas they weren’t comfortable spending their savings, they felt free to spend their monthly annuity income.  And it provided confidence to invest other assets and accept market risk.

» The opportunity to leave a legacy, reporting they felt more comfortable sharing assets with family and charities knowing they had enough monthly income.

I’m the first to say that not all annuities are created equal – some are great and some aren’t. My job is to understand the differences and educate my clients how to choose wisely or to decide it’s not for them. But I don’t hate annuities. And if this recent market volatility shook the foundation of your retirement plan, maybe you shouldn’t either.  Our firm offers both wealth management and insurance services, so we have no agenda to sway you in one direction or the other.  It only matters what is right for you.  Call, email, or contact us on our website if you’d like a second opinion on your retirement strategy. 

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisors
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.

East Tennessee's Mountain Views

P.O. Box 432

Vonore, TN 37885

Email: inquiry@etmv.com

865.856.6463 Local

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