judy roy, nestlerode and loy, investments, financial planning, central paThere is much debate on whether a Traditional IRA or a Roth IRA is better for investors. Typically, this can be decided by whether you believe your tax rate is higher now or will be higher in retirement, how long until retirement and how aggressively you are investing. I argue that both are advantageous and the capability of saving in both ways can benefit a retiree. Just as you diversify your investments, diversifying your taxes can lead to more options later.

The major advantage of a Traditional IRA is that contributions are tax deductible if you are in a retirement plan and under certain income limits. The investments inside the IRA are tax deferred. However, in retirement, distributions from the IRA are taxed as income. The downside of this is that it can lead to taxation of social security and your distributions from the IRA will typically need to have tax withholding applied.

On the flip side, contributions to a Roth IRA get no special tax treatment. Contributions are limited tonestlerode and Loy image 3 taxpayers under a certain income level. Just like the Traditional IRA, assets inside the Roth grow tax deferred. The big advantage comes on the back end, where qualified distributions from a Roth are tax free. Thus, all the growth inside the account is not taxed.

Income levels in retirement become an issue because social security can become taxable over income levels starting at modified adjusted income of $25,001 for singles and $32,001 for married couples filing jointly. Money distributed from a traditional IRA or 401k is treated as income and counts against you in the calculation. A qualified Roth withdrawal does not count as income and thus can be the difference between owing taxes on social security or not.

The widely accepted ‘4%’ withdrawal rate goes farther when you don’t have to withhold Federal Taxes (in Pennsylvania, retirement withdrawals are not state taxed). In addition, for those who wish not to begin pulling money out of retirement, there is no required minimum distribution for a Roth IRA. The money may stay inside the plan even after 70 ½.

My suggestion is to diversify your taxes by at least placing a minimal portion of your annual contributions into a Roth if you are able. For 2014, you have up until April 15, 2015 to make a contribution to an individual Roth IRA account. Many employer plans now have Roth options if you are unable to do an individual Roth IRA due to income restrictions. This small step may require you to pay more taxes now but it may also help you pay less taxes later.

Nestlerode and Loy image ad


Real Estate: Are You Ready For Spring?

Real estate in this area tends to follow the flow of the seasons, heating up during the spring and summer, then cooling off through the fall and winter. In looking ahead to what may happen in real estate this year it appears that this could be a big year for a variety of reasons. If you are
thinking of doing something with real estate, this should be one of the best opportunities for buyers and sellers in several years. The reasons for my optimism, and that of most professionals in the real estate business, are as follows:

1. Interest rates continue to be at historically low rates, but all indicators are that they will begin to rise in the second half of the year and continue to do so for the foreseeable future. While the increases should not be large, any change will simply mean that it will be more expensive to buy
a property. Smart buyers are going to be looking to act this year, as soon as possible.

2. Sale prices should also climb over time as the demand increases. Currently the inventory of available properties is adequate, but if expectations of demand are right it will be a seller’s market.

3. As the economy has solidified lenders have been able to loosen some of the standards for qualifying buyers, making mortgages available for many people who recently may not have been eligible.

4. There is a sense that there is pent up interest on the part of both buyers and sellers who have not been able to do what they want to do in the past, for a variety of reasons. Many of those reasons are being resolved at both the personal and institutional levels.

All of these reasons point to a very good year for either buying or selling. The question is whether you will be ready to take advantage of the best opportunities. If you are able to act in 2015 you should be making plans and preparations now, with the assistance of your favorite local
Realtor, as well as other appropriate professionals.

Remember that real estate is quite variable, dependent upon location. Even within central Pennsylvania a few miles can make a big difference in the conditions of the market. General tends are nice to get a feel for what might be possible. However, whether you are buying or selling, only
a qualified local Realtor can help you determine exactly what is realistic for you to expect in your market and then plan accordingly.

scott chambers realtor ad


Why You Should Consider a Professional Bra Fitting

Jezebels image

Jess and Patty Stover

Clinton Kelly, host of TLC’s What Not to Wear, knows what many women want and need — a makeover. According to Kelly, the first step is a professional bra fitting. “The bra-fitting is extremely important, because where the bust sits on the body is where the clothes will sit on the body. “With the proper undergarments in place, the women then find an outfit, complete with accessories. Hair and makeup services round out the package. “It’s a crash course in style,” Kelly said.

The truth is that almost 8 in 10 women are wearing the wrong bra size- and you may be one of them. Why? Your body changes over time and your fit will change year to year as you lose or gain weight, exercise more or less, and so on. If you are experiencing discomfort, spillage over your cups, too tight or too loose straps, or a gap between your cups, you are most likely wearing the wrong size.

At Jezebel’s Boutique we understand how important proper bra sizing is, and we are dedicated toJezebelsimage2 making sure our customers leave in absolute comfort and complete chest support. We carry a full line of bra sizes in cups AA-N and band sizes 28-54. After we know your size we can then bring you bras that will fit your body type and your style. Let us show you what we are capable of as Professional Bra Fitting experts!

Check out our amazing new spring fashions! Colorful skirts, tops, jackets and more—you will love our selection and prices!

Getting married? Or know someone who is? Jezebel’s Boutique has become the place for a full line of bridal accessories. Stop by and check our Bridal Corsets, Bustiers, Strapless Bras, Bridal Garters, Penn State Garters, and Tiaras. We can also special order any “hard to get” items you need for that special day.

Check out our 5 star ***** reviews on Facebook!
Our Customers LOVE Jezebel’s!
5* Excellent Excellent Excellent Excellent Excellent —C.U.
5* By far the best experience I’ve ever had buying bras. Top
notch. Thank you ladies so much. –K.U.
5* The people that work here are amazing!! I apparently have
been wearing bras about 5 sizes too small!!! Thank god for them!
Now I have bras that fit me and my back doesn’t hurt as much!
Everybody should get a bra here at least once!!
5* Loooove this place!!!! It’s about time for another visit!! —HW

Jezebel's Boutique, State College PA, ad


Central PA Hometowns: Where Our Hearts Are Clearfield

ClearfieldClearfields site on the West Branch of the Susquehanna River made it a natural part of Native American paths and trade routes up to the 1600s. The Great Shamokin Path began at what is now Sunbury, continued to Lock Haven, through Chinklacamoose, now the town of Clearfield, and ended in Kittanning. The borough was incorporated in 1840.

The Old Town Historic District was added to the National Register of Historic Places in 1979, and included 19 buildingsClearfieldimage2 in Clearfield, including the court house and Victorian-style dwellings built from 1860 to 1890.

Clearfield County is part of the Pennsylvania Wilds, featuring an abundance of pristine forests, lakes, parks, rivers,and more than 375 species of birds and animals, including the state’s impressive elk herd. There are countless opportunities for outdoor recreation including hunting preserves, game lands, motocross and quad tracks, and plenty of fishing and water sports activities.

There are plenty of destinations and events to keep you busy, including six wineries, the last
covered bridge over the Susquehanna, and the elk visitors’ center.

The Clearfield County Fair is one of the largest and most popular in the state, with big-name and up-and-coming entertainers, hundreds of exhibits, harness racing, a spectacular midway,and plenty of fair food.

Speaking of food. Foodies have heard all about Denny’s Beer Barrel Pub, with a huge hamburger menu and even huger burgers, with monster-size burgers to feed a family. One of the last remaining drive-in theatres is also in Clearfield – making for an old fashioned date night or long weekend.

Upcoming events include:

April 11 – Taste of Tri-Counties, at the Clearfield County Fairgrounds, with wineries,
restaurants, samples, specialty sauces and food,

April 26 – 40th Annual Kids Fishing Derby at Parker Dam State Park, 9-11 a.m.

May 9 – 41st annual Fishing Derby in Clearfield at Lower Witmer Park, 8 a.m. – 1 p.m.

Clearfield retains its small-town values while encouraging expansion. The community continues to revitalize and expand its economy, while preserving its history and natural scenery. It was named as one of the top-ten All American Cities in the U.S. in 1966.

Traditions of America Raised $1,200 For Breast Cancer

Liberty Hill Homeowner Karen Hirsch and Coquese Washington.jpg

Left- Karen Hirsch
Right- Coquese Washington

Homeowners at Traditions of America at Liberty Hill, State College’s leading active adult community ( ), hosted Penn State Lady Lions Coach Coquese Washington at a fundraiser for the Pennsylvania Pink Zone. The Pink Zone and Lady Lions Basketball are a unified force in the fight against breast cancer, and homeowners were happy to join the “home team” in raising money and awareness. The event, held at the Liberty Hill Clubhouse, resulted in a $1,200 donation to the Pink Zone.

“I’m a 22 year breast cancer survivor, so I know there’s life after the diagnosis and hope that survivors can still lead an active life. The Pink Zone basketball game is a healing moment to connect with other survivors—it’s like a sisterhood of women who are moving on with their lives,” said Traditions of America homeowner Karen Hirsch. “It was an honor to host Coach Washington and her players at Liberty Hill to raise awareness and funds for her Pink Zone game and the fight against breast cancer.”

Traditions of America at Liberty Hill residents were encouraged to make a donation upon attending the event, which included a pot luck dinner and pink ribbon cupcake desserts supplied by the community Lifestyle Director. Many came decked out in pink to show their support for the cause. Two tickets to the annual Pink Zone game on March 1st were given away.

“A number of Traditions of America at Liberty Hill community members are breast cancer survivors, so this cause is important to them,” said Lifestyle Director Tracy Lopez. “We also have a strong group of raving Penn State fans, so meeting Coach Washington was a real thrill!”

Washington, the Penn State women’s basketball coach since 2007, told the 75 homeowners gathered “The Lady Lions are grateful for your support of our team, for the whole season and your generous support of the Pink Zone game.”

Traditions of America at Liberty Hill is located at 102 Settlers Way in State College, PA. The active adult living community offers low-maintenance retirement homes for sale and resort-style living, including a national award-winning 10,000 square foot clubhouse. To learn more, visit or call 814-466-9490.

Wounded Vet Honored with Timberhaven Log Home

Dozens of non-profit agencies throughout the country have joined forces to provide donations and operation support to build “smart homes” for America’s most severely wounded veterans and their families. Earlier this Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln driedfall, these efforts lead to a customized “smart” Timberhaven log home for Cpl. J.B. Kerns of Virginia. The purpose of this new custom home is to help increase J.B.’s self-reliance and ease the burdens of care for his families and caregivers. Suppliers from across the country, including Timberhaven Log Homes, combined efforts to provide materials and services for this special project.



log great room with contrasting beams, Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln driedhandicapped entrance to log home, Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln dried

Designing This Custom Timberhaven Log Home

Timberhaven’s drafting staff also stepped up to the plate when it was time to design this one-of-a-kind floor plan design for log home, Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln driedhome. In fact, the team worked effortlessly to design a space based on efficiency and functionality, given Cpl. Kerns’ needs. The final plan boasts nearly 3,000 sq. ft. of wide-open space plus 1,490 sq. ft. of outdoor living areas – it adequately accommodates Kerns’ needs and is stunningly beautiful at the same time.

Before finalizing the design, our team found great joy in adding this exterior living space – JB’s back porch and deck. The Mount Airy News reported that when asked to name his favorite part of his Timberhaven log home, without hesitation, Cpl. Kerns mentioned “the back deck just outside the living room.”  This area overlooks the 16-acre parcel the home sits on.

rear porch and deck of custom log home, Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln driedvast wall of glass overlooking rear deck, Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln dried

The Country says thanks with a Timberhaven Log Home

Marine shakes hand of JB Kerns at key ceremony, Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln dried“We are absolutely honored to support the efforts made by these non-profit organizations” says Joe Folker, principal at Timberhaven Log Homes, “We are sincerely grateful for Cpl. Kerns’ sacrifices and could not be more proud to be included in the housing solutions offered to wounded veterans and their families. It is our hope that J.B. thoroughly enjoys residing in his new Timberhaven log home and that he finds refuge in the tranquility of the space.”


After being wounded in Afghanistan, Cpl. Kerns spent a year recovering and rehabilitating at Walter Reed front of custom design smart home, Timberhaven log home in Ararat, VA, JB Kerns wounded warrier project, honored to support, Timberhaven Log Homes, log home, log cabin, log cabins, log kits, laminated, kiln driedMedical Center in Bethesda, Maryland. The triple amputee was proudly serving the US Marines when he was critically wounded.

Cpl. Kerns, and all past and current members of the Armed Forces, Thank You! Timberhaven Log Homes is honored to support you, and we hope you and your family enjoy an abundance of happiness this holiday season.

Vein Disease

 circulatory centers imageVenous disease is one of the most common conditions affecting our health. It is estimated that about 20% of adults may be suffering from venous disease. Although many people may have visible varicose veins, many others have no visible signs of the disease. Individuals with venous disease range from those with small vein disease (spider and reticular veins) to patients with large bulging varicose veins. When varicose veins are present, patients may experience swelling in the legs as well as skin changes such as discoloration, thickening of the skin,and in advanced cases, skin ulcers. Occasionally, large varicose veins may develop blood clots, a condition called superficial phlebitis. Patients without visible signs of venous disease may have symptoms such as leg pain (aching or cramping), leg heaviness or fatigue, swelling, throbbing, burning, itching or tenderness. Some people also experience restless legs.

Men and women of all ages can be affected by venous disease although women are affected more than men due to hormones. Venous disease has a very strong genetic component but there are certain risk factors that can also contribute to its development. These include obesity, pregnancy, prior trauma, surgery, lifestyle, and occupations that require prolonged standing.

The treatment of venous disease has come very far in the past 10 years. Today we know much more about this medical problem and the diagnosis and treatment is far superior to that of times past. Venous disease can be easily diagnosed with the use of painless, noninvasive ultrasound performed in the office to determine if you have venous reflux. Venous reflux is the back flow of blood in the legs caused by weakened valves in the veins of the legs.

If you experience any symptoms of the disease, you need to make sure that your physician is aware. Venous disease can be a serious medical condition, which left untreated, can lead to long standing complications.

Treatment for venous disease may involve a procedure called EVLA which is a laser procedure done in the office to close down some of the larger superficial veins. Most patients also require sclerotherapy injections to shut down some of the smaller, more superficial veins of the legs. Treatment can help manage the disease and improve the overall health and appearance of your legs as well as greatly improve your quality of life. Most procedures are covered by insurance.

Circulatory Centers image ad



Healing Benefits Of A Therapy Pool

Foxdale Village imageSwimming pools can be for more than just fun. If they are therapy pools, they can provide healing and health benefits. Water therapy is an exercise program that is performed in the water. Aquatic therapy benefits individuals living with arthritis, Parkinson’s, after effects from a stroke, depression, scoliosis, diabetes, asthma and memory issues. It helps stave off chronic diseases such as rheumatoid arthritis and fibromyalgia. Water therapy can help a variety of people deal with limitations and improve quality of life.

In waist deep water, body weight is reduced by approximately 50%, in neck deep water that increases to 90%. The buoyancy of water makes it much easier for painful arthritic older adults to move about. It reduces stress on joints and connective tissues.

Therapy pools are warmer than regular swimming pools. Because heat enables muscles to relax and move better, it promotes an increased range of motion. Higher temperature combined with ease of movement will improve blood flow to painful and injured areas. This can be particularly helpful for seniors suffering from muscle spasms and back pain. The warm moist air helps those seniors who suffer from exercise induced asthma.

In addition to buoyancy and warmth, the water also gives firm resistance to any object moving through it. Water offers 12-14% more resistance than exercising on land. This translates into a very efficient form of strengthening arms, legs and core muscles.

Finally, hydrostatic pressure and jets promote circulation, resulting in decreased swelling in extremities and less muscle soreness from exercise. When you are almost completely submerged in water, blood circulation improves dramatically.

Foxdale Village Retirement Community is adding a new therapy pool which will be available to residents and Foxdale staff. Discussion is under way to include access to older adults in the larger State College community at some future point. Construction should begin and end in 2015.

Foxdale Village image ad




Become a Better YOU

January often brings new resolutions. Many times people want to lose weight or become healthier, but they don’t know where to start. That’s where we can help!

A great way to begin your year off on the right foot would be to join us in our 21 day full body cleanse. We will provide you with the tools you need to succeed. There is no calorie counting, so you will be able to eat as many fresh foods you need to feel satisfied during your cleanse. We will provide you with an approved grocery list, healthy recipes, a water bottle that you can keep with you to stay hydrated throughout the day, and all of the support that you will need to be successful.

“At the end of the 21 days, I lost 28 pounds and six inches around my waist area. My wife also reduced her weight by 16 pounds. Now that it has been four weeks since ending the program, we have maintained our weight loss. Our eating and drinking habits have changed completely.” JimmyC

Here are a few clues that your body may benefit from the cleanse. Do you have any of the following symptoms?

  • Pain/Headaches-Allergies
  • Always tired
  • Overweight/feel bloated
  • Mood swings
  • Digestive problems
  • Skin problems
  • Poor sleep

We are exposed to toxins every day. Our bodies are usually amazing at naturally riding itself of them through our skin, lungs, and digestive system. However, sometimes our bodies are unable to keep up with toxic elimination. So we store the toxins in our fat cells.

The problem with our bodies doing this, is that when you try to diet and become healthier, your body actually fights you losing the weight because it is afraid to release all of the toxins. The only way to make any lasting improvements is to be able to flush your body of the toxins as you are releasing them from your fat cells.

Drs. Kelli and Kevin both complete their own 21 day detox twice a year to help feel light, energized, and full of life so they can help their patients do the same. 2015 is your year, and becoming a better you can start today. We are excited to help you feel well.

Handsinhealth image ad

Jezebel’s Boutique Has Moved!

New Year. New Location! Have you heard the big news? Jezebel’s Boutique has moved to a new location! We are now located at 355 A Colonnade Blvd in State College. It is very easy to find, just head toward Wegmans Café, located on the side of Wegmans, and we are directly across the lot up on the hill next to Daniel Vaughn Designs. Our new store has more room, and new inventory that you are going to love! Dresses, sweaters, sleepwear, Spanx, accessories, and of course the largest selection of bras in Central Pa! Here is the best news—plenty of free parking right in front of the
store! Please see our coupon below for a special offer just for you!Jezebel's Boutique

New Year. New You! Another year is upon us, and for many it is a time of renewed focus on resolutions that help us feel better about ourselves; in other words, looking good and feeling good! At Jezebel’s Boutique we specialize in helping women accomplish these goals…and you will be amazed at how easy it is! Getting a professional Bra fitting is easy, fast, and best of all free! If you’ve never had a professional bra fitting, you probably have no idea how comfortable your bra can feel. Many of our customers are surprised by how different they look and feel after a fitting. Women suffer from bad bras needlessly. A professional fitting from Jezebels is free, so why not give it a try? At Jezebel’s, we are passionate about providing excellent customer service. This is why our customers come back time and time again.

We’ve moved to 355 Colonnade Blvd.!
(Behind Wegman’s Café, near Daniel Vaughn Designs)

Largest Selection of Bras in the Area!
Bands 28-54 • Cups AA-N • Demi • Balconette • Full Coverage • Push-up
Sport Nursing • Strapless • Non-wire • Convertible • Adhesive • Racerback
Padded • Professional Bra Fittings • No Appointment Needed • Gift Certificates!

Jezebel's Boutique, State College PA, ad