East Tennessee's Mountain Views

East Tennessee's Mountain Views

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P.O. Box 432

Vonore, TN 37885

865.856.6463

Charitable Giving and the Qualified Charitable Distribution (QCD)

Thursday, December 5th, 2019 | Uncategorized | No Comments

Are you over 70 ½ and have an IRA?  If so, you should be taking your Required Minimum Distribution (RMD).  Also, if you donate to charities, you have an opportunity to save some taxes.

IRA owners over 70 ½ should consider supporting your favorite charities using a Qualified Charitable Distribution (QCD).  A QCD is a direct transfer of funds from your IRA custodian, payable to a qualified charity. QCDs can be counted toward satisfying your required minimum distributions (RMDs) for the year as long as certain rules are met.

Under the new Tax Cut and Jobs Act (TCJA), the standard deduction for 2019 will increase to $24,400.  For those taxpayers over 65, there is an additional $2,600.  It is very likely the $24,400 or $27,000 standard deductions will be greater than any itemized deductions.  

When you reach the age of 70 ½, you must start taking a Required Minimum Distribution (RMD) from your non-Roth IRAs.  Most RMDs are taxable and are included in income and increase the adjusted gross income (AGI).  This increase often results in an increased portion of Social Security benefits being taxed and some deductions being limited.  The Qualified Charitable Distribution (QCD) allows an IRA owner over the age of 70 ½ to make a charitable contribution directly from their IRA up to $100,000, without including the distribution in taxable income.

This presents a significant opportunity to make a charitable contribution through a QCD and not increase your AGI.  Although the QCD comes out of your IRA and satisfies your annual RMD, it is not reported as income on your tax return, as it goes directly to the charity of your choice.  This allows you to claim the standard deduction of $27,000 and the QCD.  

Here’s an example.  Assume you and your spouse are both over 70 ½ and you anticipate a taxable income totaling $80,000, not including your RMD.  You generally donate about $10,000 to your favorite charities each year.  You will claim a standard deduction of $27,000 since both of you are over the age of 65.  Since the standard deduction includes the deduction for charitable donations, you get no additional benefit for the donation.  

If you and your spouse are required to withdraw $10,000 to satisfy your RMD and you donate it to your favorite charity, your taxable income is increased by the $10,000 RMD and your standard deduction remains at $27,000.  You are taxed on the $10,000 RMD.

However, if you make a QCD directly to your favorite charity, it satisfies your RMD and is not included in your taxable income.  You claim the $27,000 standard deduction and save taxes on the $10,000 RMD.  This could be a potential tax savings of several thousands of dollars.

Some rules do apply. The donation must be transferred directly from your IRA custodian to the charity. The QCD is capped at $100,000 per person each year. RMDs are deemed to be satisfied by the first distributions from your IRA for the year, so if you wish to satisfy your RMD by a QCD, it needs to be your first distributions of the year. Lastly, married couples who each have an IRA each can contribute up to $100,000 from their own IRA. 

When making a QCD, you must receive the same type of acknowledgement of the donation that you would need to claim a deduction for a charitable contribution.

The bottom line is IRA owners who wish to lower their adjusted gross incomes can use the Qualified Charitable Distribution strategy to efficiently disperse money to a charity of their choice and save taxes.

As your tax advisor, the professionals at WarrenJackson CPAs can help you determine if both your IRA and charity qualify for QCDs. Contact one of our offices to speak to a tax professional.

WarrenJackson CPAs

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

606 South Main Street in Sweetwater
423-337-5003

409 College Street in Madisonville
423-442-3890

206 North Street in Athens
423-745-9314

Best Wishes for a Joyous Christmas and a Prosperous New Year

Thursday, December 5th, 2019 | Uncategorized | No Comments

By Jack Wilson

On behalf of everyone here at Sweetwater Flower Shop and Southern Cuisine Upstairs at The Mansion restaurant, we would like to wish each of you a merry and blessed Christmas and a safe and prosperous New Year. We would also like to take this time to express our heartfelt appreciation to each and every one of you for your continued support and encouragement throughout the years.  

The Christmas season is a very special time of the year when we transform our entire two floors into a winter wonderland showcase that we look forward to sharing with you and your family. We would like to personally invite each of you to share our special holiday wonderland all throughout the month of December. You’ll find it truly magical and inspiring, and it’s also our way of saying thank you to all of our faithful customers and friends. Please come and share this most special time of the year with us.  

Our shop has a spectacular selection of Christmas wreaths and table arrangements, as well as holiday home décor, Christmas ornaments, and gifts. You’ll also discover hundreds of floral arrangements and wreaths, all designed and handmade by me personally, along with a large selection of beautiful gifts, including ladies’ apparel, scarves, designer handbags, designer-inspired jewelry, home décor items, and much more that will make perfect holiday gifts even for that person on your holiday shopping list that seems to have everything. Also, Southern Cuisine Upstairs at The Mansion is the perfect venue for sharing the holiday spirit with friends and family. With limited holiday seating, please call Janice at 423-664-2002 to make reservations and for special holiday hours.

We have finished stocking our University of Tennessee room with all new merchandise for the Big Orange fans on your Christmas list, so be sure to visit our “Big Orange” display area.

Not sure what to buy that special person on your Christmas list? How about a gift certificate to Sweetwater Flower Shop? Gift certificates make great holiday gifts.

During December, please be sure to stop by. We look forward to your visit and for the opportunity to share our holiday greetings and a bit of cheer with each and every one of you.

Sweetwater Flower Shop 
118 W. North Street
Sweetwater, TN 37874
423-337-6623

We’re All in This Together

Thursday, December 5th, 2019 | Uncategorized | No Comments

We work our entire lives with the goal of achieving a sound retirement. But as the time draws near, we often become apprehensive, recognizing that retirement is much more than the savings that you’ve managed to accumulate and your newfound free time. You find yourself asking:

» Will I need to reduce my spending in retirement?
» Is there a chance I will outlive my retirement savings?
» Will future tax increases erode my savings?
» How will I be able to afford an unexpected medical emergency?

And that doesn’t count the more concrete questions of when to start Social Security and which Medicare supplement plan to choose. Retirement is uncharted waters. You’ve observed your parents and others during retirement, you search online for retirement related subjects, you share experiences and expectations with family and friends. You make the best decisions you can, often guided only by your gut instinct.

But in retirement, there are no do-overs, so a growing number of people are choosing professional help with a comprehensive approach that combines investment advice with financial planning, tax strategies, insurance solutions, and legal planning.

In this month’s issue of Mountain Views, we are delighted to share with you our recent interview with Marsh Wealth Management founders, and husband and wife team, Mike and Yvonne Marsh. Having earned a well-deserved reputation among retirees for their comprehensive approach to retirement planning, we are confident that you will enjoy their thoughts on retirement whether you’re retired, near retirement, or years away from retirement.  

MV: Yvonne, I enjoyed the analogy on your website comparing the navigation of retirement to planning a trip to somewhere you’ve never been before. Like an experienced travel guide, how can Marsh Wealth Management help me to successfully navigate my retirement?

Yvonne: We know the number one goal for retirees is to maintain their lifestyle in retirement without the worry of running out of money. So our approach is three-fold: First, we help people define what their lifestyle is going to look like. Second, we help them identify potential pitfalls or obstacles and come up with solutions that fit them. Then, just as importantly, we act as their guide on this “retirement trip,” making sure everything works smoothly leading up to retirement, the transition from a paycheck to a play check is seamless, and all of the little gotchas are taken care of for them. Their biggest task is deciding on their first post-work vacation!

MV: Mike, what is the number one mistake would-be and existing retirees make in planning? 

Mike: They stay aggressively invested for too long as they’re approaching retirement. The Fragile Decade – the five years leading up to retirement and the five years after retirement – is the most critical time period in predicting the success of a 30+ year retirement plan. Waiting until a year or two ahead of retirement to reduce the risk in your portfolio is waiting too long. 

MV: The equity markets have a long history of very good returns on average, but I’m fearful of losing money in a market downturn. What suggestions do you have for me?

Mike: We use an investment bucketing strategy that allocates a client’s portfolio into time segments: Now, Soon, and Later. The idea is simply that the Now bucket is rainy day, emergency, and planned expenses tucked safely in bank accounts. The Soon bucket is money earmarked for spending in a retiree’s first phase of retirement and more conservatively invested, while the Later bucket is money designated for the second phase of retirement so it can have more growth orientation. We all know that we build wealth by staying invested in the markets over time, and this three-tiered allocation gives our clients the confidence to do just that.  

MV: How can you help me overcome the often high costs arising from an unexpected medical emergency that was not in my spending plan?

Yvonne: By helping you be proactive and not reactive: Planning for those costs before they happen. First, we help clients identify and quantify which costs aren’t covered by Medicare, and then we talk about their options. Many folks don’t know there is a great option that pays for home health care, assisted living, and other long-term care costs and also provides a death benefit to heirs if you don’t end up needing those benefits. The cost and the benefits are guaranteed at issue, so it really creates a lot of clarity and confidence for today’s retirees. It’s a great solution, but only about one out of every 10 people I talk to have ever heard of it.

MV: What is the impact to today’s retirees who are living longer than either their parents or grandparents?

Mike: We think of longer life spans as a risk multiplier – it multiplies the number of times to which your portfolio could experience a market correction and the higher likelihood someone will experience an expensive health event.  And inflation is a sneaky factor that can really eat into a retiree’s ability to afford everything they are used to buying.  We work with clients to design strategies that will serve them well no matter how long they live.  

Yvonne: That’s right. I never want an 85 year old client to come to me and say, “Well, it’s been fun, but I’m out of money.” Our plans are designed to last as long as they do!  

MV: What if the government should raise taxes during my retirement years?

Yvonne: Well, truthfully, we already know that they are going to raise taxes when our current tax code expires at the end of 2025. It’s already written into the law that our personal tax rates will revert back to the higher pre-Tax Cuts and Job Act of 2017 levels. So taxes are on sale right now! Many people should be, at a minimum, executing Roth IRA conversion strategies up to and within the current 24% bracket. That is an integral service we offer to our wealth management clients.

MV: It’s obvious that a successful retirement plan includes a great many considerations. How can you help me create a comprehensive plan that will help me to sleep at night?

Yvonne: It’s so true that the devil is in the details. And we actually start with some non-financial details – such as reviewing healthcare directives and identity theft protection and providing a survivor’s guide for heirs. Some clients don’t need extensive financial planning, so we focus on creating an Investment Bucket Strategy that can sustain their income needs. Other clients need extensive financial and tax planning, so we create a comprehensive plan addressing those needs. It’s definitely not a one-size-fits-all process. 

MV: What is the best way to select a qualified wealth advisor as I’m trying to navigate all of the financial decisions a retiree has to make? 

Yvonne: First, understand how they are paid. A fiduciary is compensated as a percentage of assets, whereas a broker dealer is compensated by commissions on account activity. You have to decide which business model best aligns with your own interests. Second, professional credentials are important, and we proudly have CFP®s and CPAs in our office. The continuing education commitment that these licenses require keep us technically sharp. Third, and just as important, is finding someone you can connect with on a personal level. Your advisor is there to guide you through a journey that will be uniquely yours – and you want to have a relationship that you are confident to call on at any time.

MV: We’ve talked a great deal about would-be and existing retirees, but what about those of us that are still working and saving for retirement? Where’s the best place to invest our savings?

Mike: By far, the number one thing we get asked by people still working is “Can you help me with my 401(k)?” And truthfully, this is a huge societal issue. Companies have moved away from pensions and put the burden of saving and investing on their employees, but the vast majority of people don’t know which investments to choose. And who wants to go home after a hard day at work and research mutual fund choices while you’re juggling kids and dinner? So we’ve just introduced a service called Plan Confidence, which allows us to help people choose their 401(k) investments, using the mutual funds that their employer offers, with no IRA rollovers needed. The money stays right in the 401(k). It’s a monthly subscription service, and we connect with clients through a secure website and mobile app. No office visits required for busy people!  

MV: How can I learn more about Marsh Wealth Management? Do you offer a complimentary consultation to determine if there is a “good fit” between your integrated team and myself?

Yvonne: Our website is always a great place to start. We’ve worked hard to lay out how we approach retirement planning and the strategies that we employ, so it gives people an easy first step to see if we would be a good fit for them. Then give our office a call to set up a time where we can introduce ourselves and hear your story – what you’re excited about and what you’re worried about – and decide how we might be of help to you on your retirement journey.   

MV: In closing, is there anything else you would like to add?

Yvonne and Mike: Truly, we are all in this together. Everyone’s future is equally unknown, and there’s no need to try to figure it out by yourself. Our entire team believes in building long-lasting relationships with our clients – to be that resource that gives you a guiding hand, a word of encouragement, or an ear to just listen. We know there will be unexpected twists and turns in your retirement journey, but we’re here every step of the way, so you can relax!

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisor
504 Ebenezer Road
Knoxville, TN 37923
865-622-2162
ymarsh@marshpros.com
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.

LakeHomes.com Awards 2019 Best Retirement Lakes

Thursday, December 5th, 2019 | Uncategorized | No Comments

LakeHomes.com, the leading web destination for lake real estate data and sales information, has identified its list of 2019 Best Retirement Lakes (www.lakehomes.com/info/articles-and-news/2019-best-retirement-lakes). The list was compiled with data from Lake Homes Realty’s quarterlyLake Real Estate Market Report (www.lakehomes.com/info/lake-real-estate-market-reports) in conjunction with the 2019 SmartAsset Best Places to Retire (https://smartasset.com/retirement/where-to-retire). 

The editorial committee measured markets with a minimum lake market listings value of $10 million. The criteria included data points such as accessibility to healthcare facilities and the portion of the existing population that are senior citizens, along with each area’s cost of living and tax burden.

“Our data tells us that lake real estate buyers and sellers are primarily retirees or soon to be retired individuals,” said Mark Griggs, Marketing Director of Lake Homes Realty/LakeHomes.com. “Buyers often shop across multiple states and lakes to find the ideal location for their life stage. We have compiled our list of the best lakes based on the top retirement preferences for this demographic.”

The awarded lakes for 2019 are: 
» Lake Granbury, Texas
» Lake Hickory, North Carolina
» Lake Lanier, Georgia
» Lake Guntersville, Alabama
» Lake Keowee, South Carolina
» Tellico Lake, Tennessee
» Lake of the Woods, Virginia

“Our lake focused real estate agents are experts in helping customers find the perfect property to fit any lifestyle,” said Glenn S. Phillips, CEO of Lake Homes Realty/LakeHomes.com. “Each one of our agents live, work, and play on the lakes they service. That local knowledge includes awareness of the attractive qualities that retirees are seeking.”

“I was so excited to hear the news about Tellico Lake receiving this award,” said Karen Packett, listing/selling broker on Tellico Lake and Fort Loudoun Lake with Lake Homes Realty.  “I’ve lived here all my life, and to see Tellico Lake and all the lake communities like Tellico Village and Rarity Bay experiencing such wonderful growth is heartwarming.  Since I specialize in lake community properties on Tellico Lake, I truly feel blessed to be able to introduce my buyers to my wonderful area and all we have to offer!”  

“As we continue to build our marketing strategies for both travel inspiration and retiree relocation, we are proud that Tellico Lake has been recognized as one of the Best Retirement Lakes by LakeHomes.com,” said Rachel Baker, Director of Tourism for Visit Loudon County. “As retirees are estimated to visit a community three to five times before making a decision to relocate, it is a natural fit for our organization to target this demographic.”

Loudon and Monroe counties have become an ideal location to visit and to retire. Retirees become “permanent tourists,” according to Baker, seeking a well-positioned location with easy access to a metro area and airport, access to premier healthcare, and a low cost of living. No state income tax, four mild seasons, extensive outdoor recreation, and community-focused amenities are also desired among today’s retiree.

“We are honored to be considered one of the best retirement lakes in the nation in 2019,” said Monroe County Mayor Mitch Ingram. 

“We are excited that Tellico Lake is receiving the recognition that reflects the true experience it offers to our retirees in this area,” said Blaina Tallent Best, Monroe County Director of Tourism. “We invite anyone looking to retire to consider Tellico Lake. You will not regret retiring here.”

About Lake Homes Realty

Lake Homes Realty (LakeHomes.com) is a multi-state real estate company focused exclusively on lake homes and land. The Alabama-based brokerage has been named as one of the fastest-growing companies in the U.S. by Inc. Magazine’s INC 5000 three years in a row. Lake Homes Realty is currently a licensed real estate brokerage in 27 states and is growing rapidly into additional states. For more information, visit www.lakehomes.com

Christmas Celebrations at First Baptist Church of Tellico Village

Thursday, December 5th, 2019 | Uncategorized | No Comments

The 2019 Christmas season commences at First Baptist Church of Tellico Village on Sunday, December 1, with the annual Hanging of the Green at both the 8:50 and 10:15 morning worship services.  According to Pastor Charlie Barnard, “This has been our tradition for 14 years of our 22 years of existence as a church.”  Throughout the service, Pastor Barnard explains the significance of each of the traditional decorations of Christmas as they are placed in the sanctuary while carols are sung by the congregation.

This year’s Christmas celebrations, which continue throughout the month, will abound with music.  On Monday evening, December 2, Minister of Music Emeritus, Eugene Hattaway, presents a “Carol Sing” featuring The WhiteStone Singers.  

“For more than 20 years, the WhiteStone Singers have been providing music in the community for Christmas, July 4, and other special occasions,” said Hattaway.  “The chorus is made up of 16 singers from area churches and community choruses.”  

The choral group will be accompanied by the First Baptist Church of Tellico Village Orchestra, along with members from Knoxville Symphony.  The concert begins at 7 pm in the sanctuary and is open to the community free of charge.

Friday, December the 13, is the annual Christmas Tree Lighting at the Village Square at 6 pm.  

“The Community Tree Lighting is part of our gift back to the community,” said Pastor Barnard.  “We have had a Community Christmas Service for the past 14 years, and we always invite the churches of our community to join us in the celebration.  This year the HOA joins us to make it an even larger Community Tree Lighting.  Santa and one of his elves will make a special appearance, and the Tellico Singers will lead us in the singing of Christmas Carols.”  

All residents of the village are invited to the merriment of this special Christmas gathering.

The following Sunday and Monday, December 15 and 16, the FBCTV Sanctuary Choir and Orchestra present “The Joy of Christmas” at 7 pm in the church sanctuary.  

“We are excited each Christmas for the opportunity to share the good news of Jesus Christ with our community through music,” said David Whipple, Minister of Music. “This program is comprised of a variety of Christmas choral pieces presented in a variety of styles.  We are honored to include several exceptional musicians, including members of the Knoxville Symphony, who will be joining our own excellent orchestra to accompany our choir in this presentation.  Also, the talented Sauni Rinehart will provide narration for the program.  I am confident that those who attend will leave with joy in their hearts as we celebrate anew the birth of Jesus.”  

Again, this is a free concert that is open to all.

The most significant night of the season, of course, is Christmas Eve.  The church honors the holiness of the season with a traditional Candlelight Service at 5 pm. 

Please join us at First Baptist Church of Tellico Village as we join together to celebrate the wondrous birth of Christ our Lord.

First Baptist Church of Tellico Village
205 Chota Road
Loudon, TN 37774
865-408-0110
www.fbctellicovillage.org

Holiday Fashions at The Lily Pad

Monday, November 4th, 2019 | Uncategorized | No Comments

When you enter The Lily Pad, you’ll know the holiday season is here again!  From the festive décor to racks upon racks of feminine fashions, holiday 2019 has arrived!

Now that the days are frosty and the holidays are just around the corner, your party invitations begin to arrive and the first thing that enters you mind is “what will I wear?”  This year your possibilities are endless.

It’s a top-driven season again… choose this piece first, then decide which of the many bottoms are most appropriate for that style.  Leggings and straight leg pants are best worn with longer tunic style tops or a short dress that can add an edgy look… making sure, of course, that the derriere is not exposed.  If you still aren’t quite sure, there’s simply a straight leg style that lends itself beautifully to most any style blouse or jacket.

Slacks run the gamut this year. From pencil to flare, it’s entirely your choice!  Top them off with velvet or a little bit of shimmering metallic… gold, silver, bronze, or champagne for a very updated and perfect holiday look.

Red is one of this season’s strongest color, and there’s a perfect shade for every skin tone.  Any piece of an outfit in red is perfect for the holidays.  A taffeta blouse or a red cardigan sweater over jeans and you’re on target… or perhaps red jeans and a gorgeous, festive sweater for in-home entertaining, which is so popular now.

Remember to mark your calendar for Sweetwater’s Small Town Christmas on November 30th. Join us for an evening of fun, food, and entertainment for the entire family.  All of the shops and restaurants will be open until 8 pm… so kick off your holiday season with us!

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

Discover the Knox Cabinet Co. Difference for Your Entire Home

Monday, November 4th, 2019 | Uncategorized | No Comments

By Megan Thomas, Co-Owner of Knox Cabinet Co.

First launched in October 2018 in Hardin Valley, the Knox Cabinet Co. brand has experienced an overwhelming response from both homeowners and builders. In fact, we just announced the opening our second location in Maryville to meet this growing demand. Our wide selection of quality, all-wood cabinetry, dynamic kitchen designs, highly competitive pricing, and outstanding customer service has quickly become the cornerstone of our success for which we would like to express our heartfelt appreciation for both your overwhelming support and your encouragement.

We are also excited to announce that we have recently expanded the services offered by Knox Cabinet Co. beyond just the home cabinetry marketplace. We now offer a complete turnkey experience for most of your home remodeling and updating projects in response to the many requests from our customers who are asking not only for a turnkey cabinetry experience, but for assistance with their many other home remodeling and renovation projects as well. 

Whether you’re in the market for new or replacement cabinetry for your home, or any other home remodeling or updating projects, I invite you to experience the Knox Cabinet Co. difference for yourself. If your next project is on hold because you can’t find experienced contractors that you can trust, give us a call today at 865-674-5669.

Discover that showcase quality kitchen and bath in your home, or get started on that remodeling project that you’ve been dreaming of by contacting Knox Cabinet Co. Experience a new level of customer service designed to exceed your expectations.

Knox Cabinet Co.

10238 Hardin Valley Road
Knoxville, TN 37932

1414 E. Broadway
Maryville, TN 37804
865-674-5669
www.knoxcabinetcompany.com

Your Alternative to Traditional Holiday Shopping

Monday, November 4th, 2019 | Uncategorized | No Comments

By Peggy Cones, Owner of Cones Cupboard Antiques

I would like to personally invite you to discover a true alternative to the traditional holiday shopping experience by visiting Cones Cupboard Antiques, conveniently located in the West End Antique Mall in Knoxville. Unlike the traditional “big box” department stores, Cones Cupboard Antiques offers customers a wide selection of antique, vintage, and gift items, including ornaments, collectibles, scented hand-crafted candles, garden flags, unique door mats, and much more in a variety of price ranges. If you’re like most of us, tired of the same old holiday shopping routine and the same old generic holiday gifts, Cones Cupboard Antiques is your perfect holiday shopping solution.

Whether for the holidays or any occasion, our gifts offer you the opportunity to select an item that will remind the gift recipient of your thoughtfulness each and every time your gift is viewed. And because so many of the items that our customers select have come from families where they have already been shared for many generations, they offer an intrinsic value that might just create a legacy within your own family that will be enjoyed by future generations to come.

Why settle for the ordinary when you can select from the extraordinary? Visit Cones Cupboard Antiques in the West End Antique Mall in Knoxville, where you are sure to find that just-so-perfect gift for any occasion for your close friend, family member, and even that person that seems to have everything. 

Cones Cupboard Antiques is located at West End Antique Mall, 7200 Kingston Pike in Knoxville, and is open Tuesday through Saturday from 10 am to 6 pm and Sunday from 1 to 5 pm. We are closed on Monday. Transform this holiday season from ordinary to extraordinary while creating a lifetime of memories at Cones Cupboard Antiques.

Cones Cupboard Antiques at West End Antique Mall
7200 Kingston Pike
Knoxville, TN 37919

Vaccines Save Lives

Monday, November 4th, 2019 | Uncategorized | No Comments

By Ellen Phillips, PharmD & Founder of believeRx

It was during September 2003 when 77 customers who had dined at a local restaurant contracted hepatitis A from green onions furnished by one of the restaurant’s vendors. The outbreak occurred among food handlers and patrons and was not traced to any particular employee of the restaurant.

Hepatitis A can result in liver damage and is easily spread by the fecal-oral route or by contaminated food or water. Signs of hepatitis A are quick onset, flu-like symptoms such as stomach discomfort, fever, joint pain, diarrhea, decreased appetite, light colored stools, dark yellow urine, and jaundice. Some people have no signs of hepatitis. It can take 15-50 days (average is 28 days) for symptoms to develop, and adults are more likely to develop symptoms than children less than six years old. Symptoms can last anywhere from two to six months. Hepatitis A can be very serious, especially in a person who already has liver problems. Hepatitis A causes acute and relapsing infections, but it goes away and is not chronic like hepatitis B and C. Treatment for hepatitis A is bed rest, fluids, and fever reducing medicines approved by a doctor. A vaccine designed to prevent hepatitis A is given in two doses, separated by six months, and lasts 25 years in adults.

Tdap – tetanus, diphtheria, and pertussis (whooping cough) – are all potentially serious illnesses that can be prevented by getting vaccinated. Tetanus causes extreme stiffness and severe muscle cramps all over the body. Children who play outside are at risk for tetanus, which lives in ground soil. Diphtheria can lead to severe breathing and/or heart problems and paralysis. Pertussis can cause such bad coughing that babies can struggle to breathe and can have complications like seizures and brain damage or death. Both diphtheria and pertussis are air-borne. Whooping cough outbreaks still occur in the United States, resulting in hospitalizations and deaths. Pregnant women should receive one dose of Tdap during each pregnancy, regardless of when you last received Tdap, to protect the unborn infant against whooping cough. The ideal time to give Tdap in pregnancy is between 27 and 36 weeks.

Shingles can be treated with two vaccines. Shingrix, with a 90% effective rate, is your first line of defense. Studies show that the Shingrix vaccine stimulates the body to produce more antibodies, causing 24 times increase in T-cells. This action alone makes Shingrix 12 times higher in immunity than the second vaccine, Zostavax. Research shows that two doses of Shingrix separated by two months provides four years immunity but possibly much longer. The second dose ensures longer term protection. Shingrix is made differently from other vaccines. It’s the first shingles vaccine to contain a non-live component and an adjuvant designed to target the shingles virus. As a person ages, their T-cell immunity declines, putting them at higher risk of contracting the shingles virus. Shingles can be very painful, causing blisters and a rash that can cause serious complications such as post-herpetic neuralgia, a condition that causes burning pain long after the blisters and rash are gone.

Influenza vaccinations are recommended for individuals six months and older. The vaccine protects not only the person who receives the immunization, but also others they come into contact with, including pregnant women, babies and young children, older adults, and people with existing chronic health conditions. The flu vaccine cannot give you the flu. Almost everyone needs to immunize against the flu except someone who had a life-threatening allergic reaction to the flu vaccine, if they have Guillain-Barre Syndrome (an immune system disorder), and children under six months old. The side effects of the vaccine are mild pain or redness at the injection site, fever, muscle aches, and headache. Serious side effects are rare. A flu vaccine is needed every year because a person’s immunity declines over time and because flu viruses are constantly changing, requiring the reformulation of the flu vaccine. While flu vaccine effectiveness can vary, the CDC reports that flu vaccinations can reduce the risk of serious flu illness by 40-60% and may prevent serious complications of the flu, including death. The yearly flu vaccine usually comes out in August. It is recommended that you receive your vaccination as soon as possible, as it can take up to two weeks for your body to achieve full immunity it from the vaccine.

At believeRx, we strive to become an active member of your total health and wellness team. Providing you with the most up-to-date information on these and other vaccinations, as well as a whole host of other health related subjects, is our commitment to you and our community. I would like to personally invite you to visit us at believeRx and discover for yourself the difference we can make in your life and the lives of your entire family.  

believeRX
9627 Countryside Center Lane
Knoxville, TN 37931
865-214-6672
www.mybelieveRX.com 

Re-Imagine Fashion

Monday, November 4th, 2019 | Uncategorized | No Comments

By Karen Lantry, Owner of Serendipity Boutique

Most everything evolves over time. In the course of just one generation, how we communicate has changed dramatically. We have experienced incredible advances in healthcare, and most of us rely on a single handheld device to make appointments, keep abreast of late breaking news and our personal finances, take photos and videos, stream movies and sporting events, and much more.  

My goal in launching Serendipity Boutique in historic downtown Loudon was to help today’s woman evolve in the world of fashion, particularly breaking free from the unwritten fashion rules that suggest we have to dress like our moms. We are not our mothers! I, for one, don’t want to dress like my mother did. And guess what? We don’t have to anymore. 

Women should dress according to our body style and NOT our age. You should have fun with fashion and look great at the same time. I have spent many years helping women look younger with the right fashions. Women come to me all the time and say I can’t wear this or that. Pause! You can oftentimes wear this or that if the item is the right cut for your body type. 

At Serendipity Boutique, we specialize in carrying today’s latest fashion styles and trends that can defy ages. If you would like to make a splash in a fashionable on-trend leather jacket at 60, we can show you how. And you’ll look fabulous! Do you have an event coming up where you would like to make an entrance? Let us show help you to create that new image you have been searching for. We can even help you conceal those few extra pounds that you’re working on losing.  

Are you looking to find that perfect gift for someone on your holiday shopping list? Serendipity Boutique has all kinds of wonderful things for your holiday needs that make great gifts.

I would like to personally invite you to experience an entire new world of women’s fashions that you are unlikely to find anywhere else. In our new upscale boutique, you will discover many exciting new lines from top designers from around the world that will help you to re-imagine fashion. Located in historic downtown Loudon, you are just a few short minutes from a fabulous new you.

Serendipity Boutique
322 Grove Street
Loudon, TN 37774
865-657-9991
ilovemyserendipity@yahoo.com 

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