Smoky Mountain Trader

August 8, 2019

The Smoky Mountain Trader a free Classified paper serving 12 counties in 3 states. Hamblen, Knox, Jefferson, Cocke, Grainger, Sevier, Hancock, Hawkins, Claiborne and Greene Counties in Tennessee. Plus Lee County Virginia and Bell County Kentucky.

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Two cemetery lots, Jefferson Memorial Gardens, includes opening & closing, lawn crypts & individual memorial plaque, $6,000. Owner pays transfer fee. Call 404-402-7262. 290 Insurance FREE AUTO INSURANCE QUOTES. See how much you can save! High risk SR22 driv- er polices available! Call 423- 492-0090. PPC A T T E N T I O N HOMEOWNERS! How much can you save on your home- owners insurance? Call now for a free quote. Don't Wait! 866-675-0613. SAVE ON YOUR MEDICARE SUPPLEMENT! FREE QUOTES from top providers. Excellent coverage. Call for a no obligation quote to see how much you can save! 423- 273-5071. PPC Get Home Insurance with cus- tomized coverage. Call for a free quote: 423-707-2355. LIFE INSURANCE Quotes free! Compare and see how much you can save! Nation's top providers! No obligation! Call Now! 865-507-4371 SelectQuote is dedicated to finding a Medicare Plan right for you and your wallet. Call 423-492-0285 today and re- ceive a free quote from one of our multiple carriers. PPC 300 Weddings WEDDING DRESS!!! Ivory/Champagne strapless with beautiful beading. David's Bridal, Size 16, Style T9264. Asking $125 OBO. Call or text 865-227-3213. 335 Education Medical Billing & Coding Training! New Students Only! Call & Press 1 100% Online Courses Financial Aid Available For Those Who Qualify. Call 888-659-2128 350 Legal Services Denied Credit? Work to repair your credit report with the trusted leader in credit repair. Call Lexington Law for a FREE credit report summary & credit repair consultation. 4 2 3 - 6 1 6 - 1 0 4 0 . J o h n C . Heath, Attorney at Law, PLLC, dba Lexington Law Firm. It might not be on your calendar, but Aug. 14 is Social Security Day. Since it was enacted on Aug. 14, 1935, Social Security has provided some financial support for millions of Americans during their retirement years. While Social Security benefits, by themselves, probably aren't enough to enable you to retire comfortably, they can be a key part of your overall retirement income strategy – if you use them wisely. To help you make decisions about Social Security, you will need to answer these questions: When should I start taking my benefits? You can take Social Security once you reach 62, but if you wait until your full retirement age, which will probably be between 66 and 67, you'll get much bigger monthly checks, and if you wait until 70, you'll get the biggest possible payments. Before deciding when to begin receiving your benefits, you'll need to weigh a few factors, including your estimated longevity and your other sources of income. How should I consider potential spousal benefits? If you are married, or if you're divorced but were married for at least 10 years, you could receive up to half of your spouse's full retirement benefit (offset by your own benefit, and reduced if you claim early). If you outlive your spouse, you could claim survivor benefits, which can provide either your own benefits or 100% of your deceased spouse's, whichever is larger. Consequently, the higher-earning spouse might want to postpone taking benefits for as long as possible to maximize the survivor benefit. How much can I earn without reducing my Social Security benefits? If you are younger than your full retirement age and you are receiving Social Security, the Social Security Administration will withhold $1 from your benefits for each $2 you earn over a certain threshold (which, in 2019, is $17,640). For the year you reach your full retirement age, your benefits could be withheld by $1 for every $3 you earn over $46,920. But once you reach your full retirement age, you can earn as much as you want without your benefits being withheld, although your benefits could still be taxed, depending on your income. How much of my pre-retirement income will Social Security replace? Generally speaking, you should expect Social Security to replace slightly more than a third of your pre-retirement income. However, the higher your income during your working years, the lower the replacement value of Social Security will be. What other sources of retirement income should I develop? Contribute as much as you can afford to your IRA and your 401(k) or similar employer-sponsored retirement plan. You may want to consult with a financial professional, who can look at your entire retirement income picture and recommend moves to help you achieve the lifestyle you've envisioned for your later years. Keep in mind that your decisions about Social Security filing strategies should always be based on your specific needs and health considerations. For more information, visit the Social Security Administration website at socialsecurity.gov. One final word: You may have concerns about the stability of Social Security. While no one can predict the future, many potential solutions exist to put the program on more solid footing. Consequently, try to focus on the actions you can control. How Does Social Security Fit Into How Does Social Security Fit Into Your Retirement Income Strategy? Your Retirement Income Strategy? Marcus Trantham Financial Advisor 6144 Cumberland Gap Parkway Suite 3 Harrogate, TN 37752-7861 Bus. 423-869-3608 Fax 888-810-2732 marc.trantham@edwardjones.com www.edwardjones.com/marc-trantham This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult your estate-planning attorney or qualified tax advisor regarding your situation. • NO OBLIGATION • NEVER A CHARGE FOR OUR SERVICE Tennessee Senior Benefits 2351 East Morris Blvd. Located Across From College Square Mall, Beside Hardees 423.581.1004 800.226.1004 WE SPEAK • NO OBLIGATION MEDICARE facebook.com/tennesseemedicare Marcus Trantham Financial Advisor 6144 Cumberland Gap Parkway Suite 3 Harrogate, TN 37752-7861 Bus. 423-869-3608 Fax 888-810-2732 marc.trantham@edwardjones.com www.edwardjones.com/marc-trantham 215 E. Morris Blvd • Morristown Mon-Sat 9:30-7 • Sun 12-5 423-318-8787 NEW SELECTIONS & NEW SHOES & BOOTS ARRIVING DAILY ©SMTPub, Inc. www.elliottsboots.com • Find us on Facebook! Boots & Shoes Work • Outdoor & More Ariat • Danner • Merrell • Keen • Ugg • Lucchese • Justin • Sanuk • Frye Yeti • Kavu • Rocky • Reef • Teva • Chaco • Hunter 215 E. M Mon- 423 orristown 12-5 787 ©SMTP I ub Inc nc nc nc n ©SMTPub, Inc. GIFT CARDS GIFT CARDS AVAILABLE! AVAILABLE! Page 12 - The Smoky Mountain Trader - August 8 - August 14, 2019 www.thesmtrader.com

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