KNOXVILLE | TENNESSEE | VOL. 3
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1
FE ATURES 4
Exciting Travel Destinations
6
Luxury Living Ideas
12 Senior Living 26 Countdown To Retirement 33 Private Club Weddings
TOURNAMENT SCHEDULES 18
PGA Tournaments
21
LPGA Tournaments
22
Grand Slam Tennis Tournaments - US Open
23
Grand Slam Tennis Tournaments - French
24
Grand Slam Tennis Tournaments - Australian
25
Grand Slam Tennis Tournaments - Wimbledon
28
Recommended Service Directory
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KNOXVILLE | TENNESSEE | VOL. 3
To avoid the crowds of mass tourism, consider travel into pristine natural environments and indigenous cultural communities. Below are just a few interesting suggestions.
1. Cuba: Although most people are particularly interested in Havana for its classic cars, Cuban culture and colonial architecture, there is so much more to see on this Caribbean island. Leave the city to explore the majestic mountains, tropical jungles, national parks, and nature reserves, which offer a diverse array of wildlife. 2. Cape Verde: The archipelago of Cape Verde, off the west coast of Africa, includes 10 islands and offers a diverse variety of ecosystems. Eastern islands are flat and barren while those in the west include cloud-capped mountains and volcanic cones. There are high cliffs, black-sand beaches, wind-sculpted landscapes with forest-covered hills in the island’s interiors. Cape Verde is listed as one of the top ten Ethical Destinations due to its commitment to clean energy, human rights, conservation and cultural preservation. 3. Botswana: Over the last 50 years, Botswana has prioritized conservation and the protection of its wildlife with the establishment of the Moremi Nature Reserve in 1963, resulting in amazing attractions for animal lovers. Explore
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KNOXVILLE | TENNESSEE | VOL. 3
the Okavango Delta via canoe, view the 120,000 elephants in Chobe National Park and a traditional Big 5 safari experience at Moremi. While you are in Botswana, try to include a visit to Victoria Falls, one of the seven natural wonders of the world where you can canoe with the elephants, swim in Devil’s Pool and hike the Batoka Gorge. 4. Croatia: For a small country, there is much to experience and explore including ten UNESCO World Heritage Sites. Encompassing more than a thousand islands in the Adriatic Sea, the major coastal city of
Dubrovnik is known for its massive 16th century walls encircling an Old Town with Gothic and Renaissance buildings. The town of Split is centered around the 4th century ruins of a Roman Palace complex. Croatia’s beaches are busy in the summer and the island of Hvar is known for its yachts and celebrities. There is also Plitvice Lakes National Park known for its turquoise lakes and dramatic waterfalls.
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KNOXVILLE | TENNESSEE | VOL. 3
OPEN FLOOR PLANS
A Luxurious home is not just well appointed, it is one where the amenities allow you to feel spoiled. Pools, saunas, in-home gyms, backyard tennis courts, game rooms, and wine cellars are a few things that come to mind.
With a new decade comes new interior design trends, so there is no better time than now to update the home. Not that trends like white kitchens and accent walls will disappear entirely but there will be an evolution and individuality and creativity will reign. Unique pieces will be important as well as unusual materials with an emphasis on environmental sustainability. People want their homes to make them happy and to reflect their personalities. They are also thinking more long term and buying more for quality as they become more ecologically conscious.
(... continued on page 9)
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KNOXVILLE | TENNESSEE | VOL. 3
WALL COLORS Simple changes can make a big impact and paint is one of the simplest. 2020 appears to be the year for colored walls, ceilings and even cabinetry. We will be seeing fewer white walls and lots more color. Pantone picks classic blue as the color of 2020 while Sherwin-Williams picks navy. Benjamin Moore has chosen a soft rosy pinkish color. The theme for all three is the creation of a relaxing environment.
WALLPAPER Wallpaper is also making a comeback, particularly for powder rooms and foyers. With wallpaper of every style, from bold, modern statements to subtle classics, don’t be surprised to see wallpaper used more frequently on ceilings, not just in the bathroom. Expect to see large scale patterns, bold colors and even metallic accents, that best displays the homeonwers style and personality.
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KNOXVILLE | TENNESSEE | VOL. 3
KITCHENS With the trend toward open floor plans, the kitchen has become an extension of the main living space, encouraging interaction and entertainment. This trend supports a casual yet connected lifestyle as well as informal dining.
IN-HOME CABINETRY AND APPLIANCES People are experimenting with colorful cabinetry and appliances and even two-toned cabinetry. Counter islands for seating are essential with this design as they increase the intimacy of the kitchen. LED lighting, big sinks, stainless steel appliances are still in.
(... continued on page 10)
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KNOXVILLE | TENNESSEE | VOL. 3
ACCENT PIECES Accent pieces are an easy way to update the homes dĂŠcor. People want to connect with nature in their homes by adding plants, handmade items, natural materials, and original artwork. The big story for 2020 is anything goes if it is done right and reflects the homeowners individuality.
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KNOXVILLE | TENNESSEE | VOL. 3
Senior Independent Living is a hot topic these days considering our aging population of healthy vibrant older people. These communities are often the best option for active adults over 55 who want a built-in sense of community and privacy. Meant for people with few medical needs or assistance requirements, they offer an opportunity to live amongst other active seniors either in apartments, cottages, villas or even small homes such as in the 55 plus communities. Independent living community staff take care of the grounds and common areas and housekeeping may be an option as well. The mission of independent senior living is an active social, fun-filled community where residents can relax and enjoy life.
While residents live independently, most communities offer amenities, activities and services. Amenities differ from one type of independent living to another. Often, recreational centers or clubhouses are available on-site to offer opportunities to connect with peers and participate in community activities such as continuing education classes, movie nights, holiday gatherings, card games etc.. (... continued on page 16) 12
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KNOXVILLE | TENNESSEE | VOL. 3
Activities: They may also offer amenities such as a swimming pool, fitness center, tennis courts, golf course or other clubs. Other services may include on-site spas, beauty and barber salons, housekeeping and laundry services as well as transportation services. Dining: Some offer menu plans where a certain number of meals are included for shared dining as well as the option of in-home meal preparation.
The reasons to move to senior
so as to maintain the support
independent living are many and
system you have and the financial
varied. Some people want less
implications of any move.
responsibility for maintaining a home and love the conveniences
Senior
offered.
Independent
Living
is
Others move in for
a great option for many older
purely social reasons and in order
adults who want to maintain their
to expand their circle of friends.
independence
Sometimes it is a good option for
their responsibilities for a private
snow-birds who don’t want the
home.
while
minimizing
responsibility of maintaining two homes.
If considering a senior independent living situation, it is important to
Some things to consider before
plan ahead and give yourself time
making
senior
and space to cope with change.
independent living are the state
Ultimately, it can make life easier
of one’s health, both physically
and more fun in retirement.
the
leap
to
and mentally, the right location
16
17
2020-2021 PGA TOURNAMENT SCHEDULE
* Schedule subject to change
DATES
TOURNAMENT
DEFENDING CHAMPION
SEP 10 - 13
Safeway Open
Stewart Cink
SEP 17 - 20
U.S. Open
Bryson DeChambeau
SEP 25 - 27
Ryder Cup
Whistling Straits, Hokler, WI
EUROPE
SEP 24 - 27
Corales Puntacana Resort & Club Championship
Hudson Swafford
OCT 1 - 4
Sanderson Farms Championship
Sergio Garcia
OCT 8 - 11
Shriners Hospitals for Children Open
Martin Laird
OCT 15 - 18
The CJ Cup @ Nine Bridges
Jason Kokrak
OCT 22 - 25
Zozo Championship
Patrick Cantlay
OCT 29 - NOV 1
Bermuda Championship
Brian Gay $720,000
NOV 5-8
Houston Open
Memorial Park Golf Course, Houston, TX
Carlos Ortiz $1,260,000
NOV 12 - 15
Masters Tournament
Dustin Johnson
NOV 19 - 22
The RSM Classic
Robert Streb
DEC 3 - 6
Mayakoba Golf Classic
Brendon Todd
DEC 3 - 6
Hero World Challenge
Henrik Stenson
DEC 11 - 13
QBE Shootout
Rory Sabbatini, Kevin Tway
JAN 7 - 10
Sentry Tournament of Champions Plantation Course at Kapalua, Kapalua, Maui, HI
Justin Thomas
JAN 14 - 17
Sony Open in Hawaii Waialae Country Club, Honolulu, HI
Cameron Smith
JAN 21 - 24
The American Express
Andrew Landry
JAN 28 - 31
Farmers Insurance Open
Marc Leishman
FEB 4 - 7
Waste Management Phoenix Open
Webb Simpson
FEB 11 - 14
AT&T Pebble Beach Pro-Am
Nick Taylor
FEB 18 - 21
The Genesis Invitational
Adam Scott
FEB 25 - 28
Puerto Rico Open
Viktor Hovland
FEB 25 - 28
World Golf Championships-Mexico Championship
Patrick Reed
MAR 4 - 7
Arnold Palmer Invitational presented by Mastercard
Tyrrell Hatton
MAR 11 - 14
THE PLAYERS Championship
MAR 18 - 21
The Honda Classic
MAR 24 - 28
World Golf Championships-Dell Technologies Match Play
[ ORIG Jun 18-21 ]
[ ORIG Mar 26-29 ]
[ ORIG Apr 9-12 ]
Silverado Resort and Spa North, Napa, CA Winged Foot GC, Mamaroneck, NY
Corales Golf Club, Punta Cana, DOM CC of Jackson, Jackson, MS
TPC Summerlin, Las Vegas, NV Nine Bridges, Jeju Island, KOR
Accordia Golf Narashino CC, Chiba, JPN Port Royal GC, Southampton, BER
Augusta National GC, Augusta, GA Sea Island Resort (Seaside), Sea Island, GA El Camaleon GC, Playa del Carmen, MEX Albany, New Providence, BAH Tiburon GC, Naples, FL
PGA WEST (Stadium), La Quinta, CA Torrey Pines (South), San Diego, CA TPC Scottsdale, Scottsdale, AZ
Pebble Beach Golf Links, Pebble Beach, CA The Riviera Country Club, PaciďŹ c Palisades, CA Grand Reserve Country Club, Rio Grande, PUR Club de Golf Chapultepec, Mexico City, MEX Bay Hill Club & Lodge, Orlando, FL
$1,188,000 $2,250,000
$540,000
$1,188,000 $1,260,000 $1,755,000 $1,440,000
$2,070,000 $1,188,000 $1,296,000 $1,000,000 $435,000
$1,340,000 $1,188,000 $1,206,000 $1,350,000 $1,314,000 $1,404,000 $1,674,000 $540,000
$1,820,000 $1,674,000
TPC Sawgrass, Ponte Vedra Beach, FL PGA National (Champion), Palm Beach Gardens, FL
Sungjae Im
$1,260,000
Austin Country Club, Austin, TX
(. . .continued on page 20) 18
2020-2021 PGA TOURNAMENT SCHEDULE
20
* Schedule subject to change
DATES
TOURNAMENT
MAR 25 - 28
Corales Puntacana Resort & Club Championship
DEFENDING CHAMPION
APR 1 - 4
Valero Texas Open
APR 8 - 11
Masters Tournament
APR 15 - 18
RBC Heritage
APR 22 - 25
Zurich Classic of New Orleans
APR 29 - MAY 2
Valspar Championship
MAY 6 - 9
Wells Fargo Championship
MAY 13 - 16
AT&T Byron Nelson
MAY 20 - 23
PGA Championship
Collin Morikawa
MAY 27 - 30
Charles Schwab Challenge
Daniel Berger
JUN 3 - 6
The Memorial Tournament presented by Nationwide
Jon Rahm
JUN 10 - 13
RBC Canadian Open
JUN 17 - 20
U.S. Open
JUN 24 - 27
Travelers Championship
Dustin Johnson
JUL 1 - 4
Rocket Mortgage Classic
Bryson DeChambeau
JUL 8 - 11
John Deere Classic
JUL 15 - 18
Barbasol Championship
JUL 15 - 18
The Open Championship
JUL 22 - 25
3M Open
JUL 29 - AUG 1
Olympic Men's Golf Competition
AUG 5 - 8
Barracuda Championship
Richy Werenski
AUG 5 - 8
World Golf Championships-FedEx St. Jude Invitational
Justin Thomas
AUG 12 - 15
Wyndham Championship
Jim Herman
AUG 19 - 22
THE NORTHERN TRUST
Dustin Johnson
AUG 26 - 29
BMW Championship
Jon Rahm
SEP 2 - 5
TOUR Championship
Dustin Johnson
Corales Golf Course, Punta Cana, DOM
TPC San Antonio (AT&T Oaks), San Antonio, TX Augusta National Golf Club, Augusta, GA Harbour Town Golf Links, Hilton Head, SC
Webb Simpson
$1,278,000
TPC Louisiana, Avondale, LA
Innisbrook Resort (Copperhead), Palm Harbor, FL Quail Hollow Club, Charlotte, NC TPC Craig Ranch, McKinney, TX KI Golf Rsrt. - Ocean Course, Kiawah Island, SC Colonial Country Club, Fort Worth, TX Muirfield Village Golf Club, Dublin, OH
$1,980,000 $1,350,000 $1,674,000
St. George's G&CC, Toronto, ON, CAN Torrey Pines (South), San Diego, CA TPC River Highlands, Cromwell, CT Detroit Golf Club, Detroit, MI
$1,332,000 $1,350,000
TPC Deere Run, Silvis, IL Keene Trace Golf Club, Nicholasville, KY Royal St. George's GC, Sandwich, Kent, ENG TPC Twin Cities, Blaine, MN
Michael Thompson
$1,188,000
Kasumigaseki Country Club, Saitama, JPN Tahoe Mt. Club (Old Greenwood), Truckee, CA TPC Southwind, Memphis, TN
Sedgefield Country Club, Greensboro, NC Liberty National Golf Club, Jersey City, NJ Caves Valley Golf Club, Owings Mills, MD East Lake Golf Club, Atlanta, GA
$630,000
$1,820,000 $1,152,000 $1,710,000 $1,710,000
2021 LPGA TOURNAMENT SCHEDULE DATES
TOURNAMENT
JAN 21-24
Diamond Resorts Tournament of Champions Four Seasons Orlando - Lake Buena Vista, FL
FEB 25-28
Gainbridge Championship
MAR 4-7 MAR 25-28 APR 1-4 APR 14-17 APR 22-25 APR 29-MAY 2 MAY 6-9 MAY 13-16 MAY 20-23 MAY 26-30 JUN 3-6 JUN 10-13 JUN 17-20 JUN 24-27 JUL 1-4 JUL 8-11 JUL 14-17 JUL 22-25
Drive On Championship at Golden Ocala pres. by JTBC Golden Ocala Golf and Equestrian Club - Ocala, FL Kia Classic Aviara Golf Club - Carlsbad, CA ANA Inspiration Mission Hills Country Club - Rancho Mirage, CA LOTTE Championship Ko Olina Golf Club - Kapolei, HI Hugel-Air Premia LA Open Wilshire Country Club - Los Angeles, CA HSBC Women's World Championship Sentosa Golf Club (Serapong Course) - Singapore, Singapore Honda LPGA Thailand Siam Country Club Pattaya Old Course - Pattaya City, Thailand Blue Bay LPGA Jian Lake Blue Bay Golf Course - Hainan Island, China Pure Silk Championship Kingsmill Resort Golf Course - Williamsburg, VA Match Play Event TBD
U.S. Women's Open Olympic Club (Lake Course) - San Francisco, CA LPGA MEDIHEAL Championship Lake Merced Golf Club - San Francisco, CA Meijer LPGA Classic Blythefield Country Club - Belmont, MI KPMG Women's PGA Championship Atlanta Athletic Club, The Highlands Course - Johns Creek, GA Volunteers of America Classic Old American Golf Course - The Colony, TX Marathon LPGA Classic presented by Dana Highland Meadows GC - Sylvania, OH Dow Great Lakes Bay Invitational Midland CC (MI) - Midland, MI The Evian Championship Evian Resort Golf Club - Évian-les-Bains, France
* Schedule subject to change PURSE
DEFENDING CHAMPION
$1,200,000
Gaby Lopez
$2,000,000 $1,500,000
Danielle Kang
$1,800,000 $3,100,000
Mirim Lee
$2,000,000 $1,500,000 $1,600,000 $1,600,000 $2,100,000 $1,300,000 $1,500,000 $5,500,000
A Lim Kim
$1,800,000 $2,300,000 $4,300,000
Sei Young Kim
$1,500,000
Angela Stanford
$2,000,000
Danielle Kang
$2,300,000 $4,100,000
JUL 29-AUG 1
Event TBD
$1,100,000
AUG 12-15
Ladies Scottish Open
$1,500,000
Stacy Lewis
$4,500,000
Sophia Popov
AUG 19-22 AUG 26-29 SEP 4-6 SEP 16-19 SEP 24-26 OCT 1-3 OCT 7-10 OCT 14-17 OCT 21-24 OCT 28-31 NOV 4-7 NOV 11-14 NOV 18-21
AIG Women's Open Carnoustie Golf Links - Carnoustie, Scotland CP Women's Open Shaughnessy G&CC - Vancouver, BC Solheim Cup Inverness Club - Toledo, OH Cambia Portland Classic Columbia Edgewater Country Club - Portland, OR Walmart NW Arkansas Championship pres. by P&G Pinnacle Country Club - Rogers, AR ShopRite LPGA Classic pres. by Acer Seaview Hotel and Golf Club - Galloway, NJ Founders Cup Mountain Ridge C.C. - West Caldwell, NJ Buick LPGA Shanghai Qizhong Garden Golf Club - Shanghai, China BMW Ladies Championship LPGA International Busan - Busan, South Korea Taiwan Swinging Skirts LPGA Miramar Golf Country Club - Taipei, Taiwan TOTO Japan Classic Seta Golf Course - Shiga, Japan Pelican Women's Championship Pelican G.C. - Belleair, FL CME Group Tour Championship Tiburon Golf Club - Naples, FL
$2,350,000
$1,400,000
Georgia Hall
$2,300,000
Austin Ernst
$1,750,000
Melissa Reid
$1,500,000 $2,100,000 $2,000,000 $2,200,000 $2,000,000 $1,750,000
Sei Young Kim
$5,000,000
21
2021 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change ** Start Times Listed in EST
SESSION
22
DATE
SCHEDULE
PLAY START
MATCHES
1
Sun 30 Aug
Day
11.00am
Men’s / Women’s 1st Round
2
Sun 30 Aug
Night
7.00pm
Men’s / Women’s 1st Round
3
Mon 31 Aug
Day
11.00am
Men’s / Women’s 1st Round
4
Mon 31 Aug
Night
7.00pm
Men’s / Women’s 1st Round
5
Tue 1 Sep
Day
11.00am
Men’s / Women’s 2nd Round
6
Tue 1 Sep
Night
7.00pm
Men’s / Women’s 2nd Round
7
Wed 2 Sep
Day
11.00am
Men’s / Women’s 2nd Round
8
Wed 2 Sep
Night
7.00pm
Men’s / Women’s 2nd Round
9
Thu 3 Sep
Day
11.00am
Men’s / Women’s 3rd Round
10
Thu 3 Sep
Night
7.00pm
Men’s / Women’s 3rd Round
11
Fri 4 Sep
Day
11.00am
Men’s / Women’s 3rd Round
12
Fri 4 Sep
Night
7.00pm
Men’s / Women’s 3rd Round
13
Sat 5 Sep
Day
11.00am
Men’s / Women’s Round of 16
14
Sat 5 Sep
Night
7.00pm
Men’s / Women’s Round of 16
15
Sun 6 Sep
Day
11.00am
Men’s / Women’s Round of 16
16
Sun 6 Sep
Night
7.00pm
Men’s / Women’s Round of 16
17
Mon 7 Sep
Day
11.00am
Men’s / Women’s Quarterfinals
18
Mon 7 Sep
Night
7.00pm
Men’s / Women’s Quarterfinals
19
Tue 8 Sep
Day
11.00am
Men’s / Women’s Quarterfinals
20
Tue 8 Sep
Night
7.00pm
Men’s / Women’s Quarterfinals
21
Wed 9 Sep
Night
7.00pm
Women’s Semifinals
22
Thu 10 Sep
Day
12.00pm
Mixed Doubles Final / Men’s Semifinals
23
Fri 11 Sep
Day
12.00pm
Men’s Doubles Final / Women’s Final
24
Sat 12 Sep
Day
1.00pm
Women’s Doubles Final / Men’s Final
2021 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
DATE
PLAY START
SESSION
SUN - MAY 23
Day - 11:00 AM
1st Round
MON - MAY 24
Day - 11:00 AM
1st Round
MON - MAY 24
Evening - 9:00 PM
1st Round
TUE - MAY 25
Day - 11:00 AM
1st Round
TUE - MAY 25
Evening - 9:00 PM
1st Round
WED - MAY 26
Day - 11:00 AM
2nd Round
WED - MAY 26
Evening - 9:00 PM
2nd Round
THU - MAY 27
Day - 11:00 AM
2nd Round
THU - MAY 27
Evening - 9:00 PM
2nd Round
FRI - MAY 28
Day - 11:00 AM
3rd Round
FRI - MAY 28
Evening - 9:00 PM
3rd Round
SAT - MAY 29
Day - 11:00 AM
3rd Round
SAT - MAY 29
Evening - 9:00 PM
3rd Round
SUN - MAY 30
Day - 11:00 AM
4th Round
SUN - MAY 30
Evening - 9:00 PM
4th Round
MON - MAY 31
Day - 11:00 AM
4th Round
MON - MAY 31
Evening - 9:00 PM
4th Round
TUE - JUNE 1
Day - 12:00 PM
Quarterfinals
TUE - JUNE 1
Evening - 5:00 PM
Quarterfinals
WED - JUNE 2
Day - 12:00 PM
Quarterfinals
WED - JUNE 2
Evening - 9:00 PM
Quarterfinals
THU - JUNE 3
Day - 2:00 PM
Semifinals
FRI - JUNE 4
Day - 3:00 PM
Semifinals
SAT - JUNE 5
Day - 3:00 PM
Women's Singles Final, Men's Doubles Final
SUN - JUNE 6
Day - 3:00 PM
Men's Singles Final
23
2021 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
Date
Session
Wed - Fri 1/13-15
Rod Laver
Margaret Court
Outside Courts
11:00am
11:00am
10:00am
Sat / Sun 1/16-17 Mon 1/18 Tue 1/19 Wed 1/20 Thu 1/21 Fri 1/22 Sat 1/23 Sun 1/24 Mon 1/25 Tue 1/26 Wed 1/27 Thu 1/28 Fri 1/29 Sat 1/30 Sun 1/31
24
Featured Matches Qualifying Rounds
NO PLAY Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am –
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
Day
11:00am
11:00am
11:00am
Night
7:00pm
–
–
1st round 1st round 2nd round 2nd round 3rd round 3rd round 4th round 4th round Quarterfinals Quarterfinals
Day
11:00am
11:00am
11:00am
Women’s Semifinals
Night
7:00pm
–
–
1st Men’s Semifinals
Twilight
3:00pm
4:00 pm
3:00pm
2nd Men’s Semifinals
–
–
–
–
Twilight
11:00am
7:30pm
11:15am
–
–
–
–
Twilight
2:00pm
4:00pm
no play
–
–
–
–
Women’s Finals Men’s Finals
2021 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
PLEASE NOTE: The Main Board of the All England Club (AELTC) and the Committee of Management of The Championships have decided to cancel the 2020 Wimbledon Championships due to COVID-19 and a concern for public health. The 2021 Wimbledon Championships will take place from June 28 – July 11, 2021.
DATE
PLAY START
SESSION
Mon Jun 28
11:00 AM
First Round
Tues Jun 29
11:00 AM
First Round
Wed Jun 30
11:00 AM
Second Round
Thu Jul 1
11:00 AM
Second Round
Fri Jul 2
11:00 AM
Third Round
Sat Jul 3
11:00 AM
Third Round
Sun Jul 4
–
Mon Jul 5
11:00 AM
Round of 16
Tue Jul 6
11:00 AM
Womens Quarterfinals
Wed Jul 7
11:00 AM
Mens Quarterfinals
Thu Jul 8
11:00 AM
Womens Semifinals
Fri Jul 9
11:00 AM
Mens Semifinals
Sat Jul 10
11:00 AM
Womens Finals
Sun Jul 11
11:00 AM
Mens Finals
No Play
25
KNOXVILLE | TENNESSEE | VOL. 3
See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement. • Take a quick test: Assuming your retirement
is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less.
• .Do a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point.
• .Don’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.
If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.
26
GE
KNOXVILLE | TENNESSEE | VOL. 3
If you already have healthy savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account.
•
Why do it You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement. If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.
The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt.
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RECOMMENDED SERVICE DIRECTORY BUSINESS LAW Owings Wilson Coleman............................................................................... Front Inside Cover CLEANING SERVICE Kastle Keepers.............................................................................................................................. 7 ELDER LAW Owings Wilson Coleman............................................................................... Front Inside Cover FINANCIAL SERVICES Stivers Financial Services.................................................................................................... 14-15 HOME MARKETING Martha Riordan - Holli McCray Home Marketing Group - Keller Williams..........................11 LABOR & EMPLOYMENT LAW Owings Wilson Coleman............................................................................... Front Inside Cover LISTING SPECIALIST Martha Riordan - Holli McCray Home Marketing Group - Keller Williams..........................11 MEDICAL MALPRACTICE DEFENSE Owings Wilson Coleman............................................................................... Front Inside Cover MEDISPA Years Younger Medispa...................................................................... Front Cover, Back Cover NON PROFIT ORGANIZATION American Red Cross.................................................................................................................... 1 PET SITTING Pet Nanny Pet Care....................................................................................................................13 PRESSURE WASHING Kastle Keepers.............................................................................................................................. 7 PRIVATE SCHOOL Christian Academy of Knoxville................................................................................................11 REAL ESTATE SOLUTIONS Kelly Jacobsson- United Real Estate Solutions......................................................................... 3 REALTOR Chrystal Thomas - Coldwell Banker.........................................................................................19 LeAnn Sink- United Real Estate Solutions...............................................................................13 VETERINARIAN Callahan Drive Animal Hospital................................................................................................13
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KNOXVILLE | TENNESSEE | VOL. 3
Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot •. Balanced mutual funds: Seek a mix of stocks and bonds; a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age. Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.) • Series I inflation-protected savings bonds (sold at treasurydirect.gov)
Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. .Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.
• Why do it: Only about half of workers cruise their way to a planned, voluntary
retirement; the rest of us exit prematurely, often as a result of job loss or burnout. But you still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.
• .How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.
• .Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin.com/ learning and get online access to thousands of business, creative and technology courses for $30 per month. Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html
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