Fall tour of homes

Fall Tour of Homes • 1

www.crossville-chronicle.com • Tuesday & Thursday, October 14 & 16, 2014

Fall TOUR

of

HOMES

Come Visit Some Of The Most Beautiful Homes On The Plateau!

Saturday, October 18th & Sunday, October 19th CROSSVILLE CHRONICLE

*Graphic rendering not actual rooms on display.

4 real estate tips to help buyers and sellers both win (BPT) - The real estate market is heating up and industry experts predict home prices will continue to rise. With mortgage rates remaining low, the real estate season will be competitive for both buyers and sellers.

Buying the right house, especially under pressure, isn’t always a sure thing. A quarter of American homeowners who bought the home they’re currently in said they would not buy their home again, according to a nationwide survey from Redfin, the customer-first real estate brokerage, and conducted online

by Harris Poll among more than 2,000 American adults.

Everyone wants to win in the real estate market, but not all do. Fortunately, some simple steps can help ensure both buyers and sellers achieve the best possible outcomes.

1. Don’t go it alone.

In the past 10 years, 89 percent of Americans who bought or sold a home used a real estate agent, accord-

In order to maximize their chance of success, both buyers and sellers should thoroughly research home prices in their area. Knowing what other homes are selling for will help sellers competitively price their homes, and buyers who do their research will be less likely to overpay. ing to the Redfin survey.

Real estate agents bring value to both sides of a home sale, ensuring that sellers get top dollar and spend less time waiting for their homes to sell, and that buyers get the best home at the best price. To find a good agent, interview several, read online reviews, get recommendations from family and friends and take your time. Look for

an agent who makes you feel comfortable. An agent should never pressure buyers to bid on any house, and sellers should never feel pressured to list their home for a price they’re not comfortable with.

2. Know what’s going on in your market.

It’s a hot market right now. In order to maximize

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Chronicle presents 24th annual Fall Tour of Homes It’s October, and Mother Nature is putting on a dazzling display of fall colors. It’s a great time to get out and enjoy the beautiful scenery available in Cumberland County.

It’s also a great time to explore homes for sale as part of the Crossville Chronicle’s 24th annual Fall Tour of Homes, set Saturday and Sunday, Oct. 18 and 19.

Whether you’re looking to downsize now that the kids have flown the nest, or you need a little more room to accommodate a growing family, you can find the perfect place on the Fall Tour of Homes.

The tour is self-guided, so participants can set their own pace to see examples of fine workmanship by the area’s professional and talented builders and developers. You’ll see examples of beautiful landscapes and comfortable interiors that can inspire your next home improvement project, as well.

The advertisements throughout this publication provide directions to the 12 open house locations featured this year. Most builders and real estate agents have set individual open house hours, so please be sure to check the information in this special publica-

tion to see when the homes you want to visit will be open.

While taking part in the Tour of Homes, be sure to register to win gift certificates from Cancun Mexican Restaurant, Annies Uniques and Select Auto.

The tour is free and open to the public. Visitors are encouraged to take advantage of this great opportunity to view homes, whether you are planning to buy a new home, looking for ideas for building or renovating your home, or want to collect ideas for decorating and design.

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16,245

2 • Fall Tour of Homes

www.crossville-chronicle.com • Tuesday & Thursday, October 14 & 16, 2014

11 ways to make your home more salable

When sealing boxes, something as simple — and frustrating — as losing the tape end on your packaging tape can waste time and cause unneeded stress. Choose a quality packaging tape.

Take hassle out of moving your boxes to a new home (BPT) — Americans are on the move. More than 35 million Americans moved last year, according to the U.S. Department of Transportation. While relocating to a new place is exciting, it also brings its own set of worries, with packing and unpacking topping the list of stressors. With careful planning and organizing, your move can be more celebratory than stressful — just follow these tips.

Select super supplies

It’s no secret that highcaliber products produce the best results, so be sure to select good quality supplies to save you hassle, time and money during the moving process. When it comes to your valuables and your memories, don’t take risks — start with new, clean and sturdy boxes rather than relying on old, reused boxes. Make sure you have a variety of sizes on-hand.

When sealing boxes, something as simple — and frustrating — as losing the tape end on your packaging tape can waste time and cause unneeded stress.

Choose a quality packaging tape.

Organize, don’t agonize

Packing isn’t just about putting your belongings in boxes and heading on your way. Getting organized at both ends of your move will save you, and anyone helping you, time and hassle once everything arrives to its new destination.

Before you pack, think about the must-have items you need to function on a daily basis to ensure you have them within reach.

And, create a survival kit

Grand reopening planned for Depot

A grand reopening of the Crossville Depot is slated for Oct. 23. It is being sponsored in part by the Cumberland Artisans of Tennessee Studio (CATS).

A reception by ticket only will begin at 6:30 p.m. Free limited tickets are available at the Depot. A special unveiling of artist Jonathan Scheele’s Depot poster is planned, as well as an art show, music and arts and crafts. For more information, call the gallery at 2105588 or the Depot at 4562586.

Read to know!

of items you’ll need for your first night. This way, you won’t be forced to unpack everything at once.

On top of your physical belongings, don’t forget to organize the things that make your home and life function. Fill out change of address forms early, and keep track of any important bills or paperwork that can’t be lost. Know who to contact to turn off utilities at your old location and how to turn them on when you move into your new place.

If you already know how you’d like furniture arranged at your new place, create diagrams and written instructions for those helping you unpack. Foresight here will help get your home looking “homey” much faster and prevent helpers from guessing where each item should go.

Have help on hand

While relocating is exciting, it also means a lot of heavy lifting. There’s no need to go it alone. Recruit friends and family to help with packing and unloading on moving day — often

the promise of pizza and snacks is the only reward necessary for a hard day’s work. If you want professional assistance, hire a reputable moving company.

Make it easier on helpers by packing boxes smartly. Large boxes with heavy items are difficult to move and have a much greater chance of being dropped, damaging the valuables inside. Instead of cramming many items into one box, pack heavier items, like books, CDs and dishes, in small boxes; light items, like pillows, drapes, clothes and linens, in bigger ones. For extra protection for easy-to-break belongings, have some cushioning nearby. Wrap items bubbleside in for best results.

Finally, for ease of organization, clearly label boxes so you know where they go when you arrive. And, consider keeping a detailed list of contents to help keep track of your belongings.

While no move will ever be completely stress-free, organization, some assistance and the right tools can help alleviate many common moving frustrations.

DON’T GET BURNED BY HIGH HEATING PRICES! Heat your home the natural way this winter, while enjoying the soothing effects of a pellet or wood burning stove. We carry a complete line of attractive and efficient stoves, delivered and installed at competitive prices.

The real estate market in Crossville, Tennessee is a competitive market. Sellers are competing for a smaller number of home buyers. Your real estate agent should be a great resource to assist you in getting your home ready to sell. Local real estate owner and broker of Berkshire Hathaway HomeServices Southern Realty, Johnny B. Reeves, has 10 simple suggestions to make your home more salable in today’s competitive market. These suggestions, if followed, will make your home stand out from the competition. To quote a real estate trainer Johnny once met, “The way we live in a house and the way we sell a house are two different things.” Johnny commented that, “You never get a second chance to make a good first impression.”

1. Get rid of clutter.

Throw out or file stacks of newspapers and magazines. Pack away most of your small decorative items. Store out-of-season clothing to make closets seem roomier. Clean out the garage. Cluttered spaces seem smaller and make it harder for potential home buyers to visualize their own furniture and belongings in the home. Sometimes home buyers mistake cluttered for dirty so get rid of the clutter.

2. Wash your windows and screens to let more light into the interior. It allows the home buyer to see the view without having to look through dirty windows.

3. Keep everything extra clean. Wash fingerprints from light switch plates.

Mop and wax floors. Clean the stove and refrigerator.

A clean house makes a better first impression and convinces buyers that the home has been well cared for. This is very important to potential home buyers. They want to know the

home they are about to buy has been taken care of.

4. Get rid of smells.

Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells.

Open the windows. This is a tough one because for many homeowners have a hard time identifying odors when they have lived in the home for so long. Even the subtlest of odors can dramatically affect the home buyer’s decision.

5. Put higher wattage

bulbs in light sockets to make rooms seem brighter, especially basements and other dark rooms. Replace any burnt-out bulbs. Brighter rooms make better impressions and can even make home buyers feel better while viewing your home. Brighten up those dark spaces.

6. Make minor repairs that can create a bad impression. Small problems See SALABLE page 3

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Fall Tour of Homes • 3

www.crossville-chronicle.com • Tuesday & Thursday, October 14 & 16, 2014

3 home improvement upgrades that will save $$ (BPT) - If you’ve sweltered throughout summer and have noticed your cooling bills increase every month, now may be the opportune time to consider some home improvement upgrades that will let you better manage your HVAC equipment while lowering your monthly expenses.

Building industry experts suggest that creating a comfortable home shouldn’t mean homeowners have to compromise on which upgrades they complete or the materials used. Smart home improvement investments can mean homeowners are better protected from the elements while creating a greater level of comfort. There are three key home improvement upgrades that homeowners can do to improve the quality and comfort of their home.

1. Windows and doorways can account for up to 20 percent of the air escaping from the average American home, according to the U.S. Department of Energy. This significant amount of air leakage can often mean HVAC equipment will work overtime to compensate - meaning an increase in monthly expenses. Replacing your existing windows and doors with newer Energy Star-rated options can mean better energy efficiency resulting in lower bills as well as increased comfort. If your budget is tight, energy efficiency improvements such

as weather-stripping and caulking to existing windows can also help reduce air leakage.

2. One of the easiest ways to optimize overall home performance is researching and selecting high efficiency, green materials. Lowflush water systems, solar hot water systems and even small-scale geothermal energy systems along with Energy Star-rated appliances can significantly slash energy consumption and your overall carbon footprint while maintaining a comfortable, enjoyable living space for you and your family.

3. Although many homeowners might not realize it, a finished basement can make a noticeable impact on the overall performance of a home. The majority of basements in older homes, and even in some newer homes, are often just poured concrete with bare walls and floors creating a cold, unwelcoming space that moisture can seep into very easily. Investing in spray foam insulation in an unfinished basement, as well as throughout the entire home, ensures a greater level of comfort, moisture management and cost control.

Spray foam insulation provides thermal insulating value as well as air sealing, meaning air leakage is significantly reduced allowing your HVAC equipment to perform optimally. Spray foam insulation both air-

Easy DIY projects that boost curb appeal for less (BPT) - Your home’s curb appeal is a statement of the property’s style and overall personality. When you look at your house from the street, does the front feel warm and welcoming? If not, it’s time to boost curb appeal. A few simple updates can make a big impact without requiring a large financial or time investment.

Tidy and trim

Overgrown plants and messy walkways make a front yard look dated. Give your space a facelift by trimming shrubbery, pruning trees and raking leaves and other yard waste. In

addition, pulling and treating weeds is important for keeping your lawn looking lush. Mulch is affordable and a few bags go a long way - spread on pathways, under plants and throughout landscaping for an instant update.

Fresh new color

It’s easy to add pizzazz to your home by painting the front door, shutters, garage door and trim in a new, colorful hue. Make sure to select a paint created specifically for exterior projects.

seals and insulates to stop air leakage from occurring, allowing homeowners to reduce energy consumption, effectively control their indoor environments and live greener.

When installed, spray foam insulation expands to completely seal a home’s walls, floors and ceilings to prevent air leakage. Insulation experts note quality spray foam insulation can noticeably reduce heating and cooling costs, in some cases by up to 50 percent.

SALABLE

• Continued from 2 such as sticky doors, torn screens, cracked caulking, or a dripping faucet may seem trivial, but they’ll give buyers the impression that the house isn’t well maintained.

7. Tidy your yard. Cut the grass, rake the leaves, trim the bushes, and edge the walks. Put a pot or two of bright flowers near the entryway. Your yard is one of the first opportunities you have to make a good first impression.

Many home buyers drive by homes even before contacting their agent to see the home. Many a showing has been lost because of untidy yards.

Sally Graham (931) 200-4307 12 Years Experience 32 Pineridge Court Friday, October 17th, 8:30 A.M - 11:30 A.M. Fabulous one owner home situated in a quiet neighborhood close to everything. You feel welcome the moment you step in the front door. The home 4BD/3.5BA boasts a spacious open split floor plan with finished basement. An over-sized 2 car garage offers plenty of work/storage space with a flat driveway. Embrace the seasonal mountain views from the sun room and private balconies. Lots of extra room to relax in this home. Everyone can claim their own space. Come & buy! $335,000. MLS # 883370.

Directions: Peavine Road to left on Catoosa; Left on Trentwood; Right on Pineridge Court; Home on the Right; Sign on the property.

Johnny B. Reeves (931) 510-3211 27 Years Experience 1020 Sparta Drive Friday, October 17, 11 A.M. – 2 P.M. Beautiful 5 bedroom home just outside of town. This home has newer siding, windows, and roof. It has a paved drive, covered front porch, and a large detached garage/workshop.

The inside is also in excellent condition. This home is a great buy! $84,900. MLS # 898238 Directions: Take Hwy 70 South past Krogers. Turn left onto Sparta Drive. Home is on the left.

8. Repair your driveway.

Patch holes in your driveway and reapply sealant, if applicable. Home buyers are looking for anything as they drive up to the home.

Set a standard that they will see throughout the home.

9. Clean your gutters.

Leaves and debris hanging over your gutters are a real turn off for potential home buyers.

10. Put Fido up. While most people love pets, it does not make a good first impression for the buyers to walk in the home and have Fido jumping all over them or even worse barking at them.

11. Polish your front doorknob and door numbers. You never get a second chance to make a good

first impression.

Allow your real estate agent the freedom to consult with you about preparing your home for sale.

Their advice and experience should prove to be invaluable.

• • • You can find out more about the suggestions in this article or other ideas concerning home buying or selling by contacting Johnny B. Reeves, owner and broker of Berkshire Hathaway HomeServices Southern Realty in Crossville, TN. You may contact Johnny B. Reeves at (931) 7077800 or by email at johnny@crossvillelistings.com.

You can also find him on the Internet at www.CrossvilleListings.com.

John Kinnunen (931) 267-5112 8 Years Experience 16 Driftwood Court Friday & Saturday, October 17 & 18, 11 A.M. – 5 P.M. Modern ranch style custom built house on cul-de-sac. Backs up to large area of common property. 9 foot ceilings, special wood trim thru-out, Master bedroom w/ bath to die for, Kitchen has custom cabinets, large pantry, quartz counter tops, ceramic floor with all appliances included. Special dining areas, Dining room plus breakfast room (15x19). Stone fireplace in living room, Special features in every room. This is a MUST SEE for the discriminating buyer. $339,900. MLS # 894045 Directions: Peavine Rd. to right on Catoosa Blvd approx 4 miles past Rotherham to Driftwood on left or Stonehenge past Dartmore Dam to right on Driftwood.

Sally Graham (931) 200-4307 12 Years Experience 16 Leaf Lane Friday, October 17th, 12:30 P.M. – 3:30 P.M. Keep your Motorhome at Home!!! Absolutely Beautiful 2,475 sq. ft. 3BR/2BA/3GAR is on the end of cul-de-sac backing up to Catoosa Wildlife Preserve. This home boasts an Open Split Floor Plan, Engineered Floors - Natural Stack Stone Gas Log Fireplace, Beautiful Kitchen with Custom Maple Cabinets, Quartz Counter Tops, Crown Molding, Formal Dining Room, Sunroom, Breakfast Nook. Professionally Landscaped with Sprinkler System. Motor Home RV Garage with Bonus Room. CAN’T Duplicate Today at THIS Price. $287,000. MLS # 894876.

Directions: North on Peavine Rd. ; Left on Stonehenge Dr.; Left on 2nd Forest Hill Dr.; Right on Kenwood Cr.; Left on Leaf Ln. to home on Right near the end of the cul-de-sac.

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See PROJECTS page 6

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Jim Firley (931) 248-1674 38 Years Experience 6 Lakeshore Court # 104 Friday, October 17, 11 A.M. – 2 P.M. Waterfront condo with great views. Enjoy amenities of Fairfield Glade, with 11 lakes and 5 golf courses plus wellness center, conference center, swimming pools, beaches and more. Plenty to do. Needs updating. Make offer! $84,500. MLS # 869402 Directions: I-40 exit Peavine Rd go towards Fairfield and on right see Lakeshore Terr condos, look for #104.

820 North Main Street, Crossville, TN 38555 5241 Peavine Road, Crossville, TN 38571 931-707-7800 Toll Free 1-800-454-6065

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Angie Shadden (931) 248 0862 49 Fawn Loop Friday, October 17, 1 P.M. – 4 P.M. Charming 3 BR/2 BA home with open floor plan. Conveniently located near Stone Elementary. Extras include covered front porch, large patio with privacy fence, 2 storage buildings (14x30 and 12x14), electronic air filtration, UV light in duct system, and dehumidifier. Heated and cooled 2 car garage with double insulated door. IN THE PROCESS OF INSTALLING NEW SIDING. $139,900. MLS # 899948 Directions: From East First Street turn Left onto Cook Rd. then Left onto Fawn Loop , 2nd house on Left. Sign in yard.

Angie Shadden (931) 248 0862

1130 Arrowhead Drive Sunday, October 19, 1 P.M. – 4 P.M. A RARE FIND! Beautiful home on 5.8 acres in Lake Tansi fronting on Lake Tansi (the big lake) and on the golf course.

You will not find another property like this anywhere! The wellconstructed home has 4 bdrms and 2 1/2 baths with a huge bonus room, a sunroom, living room with fireplace, dining room, and a kitchen with breakfast area facing the lake. There is a large storage shed, a two slip boat dock, a detached garage with large workshop, and a long front on the lake and on the golf course. $369,900. MLS # 887059 Directions: Take Dunbar Road to Tansi. Turn Right on the first entrance to Cherokee Trail. Then Left on Cochise Trail. Then Left onto Cochise Ct. Home is the only home on the left. Even though the physical address is 1130 Arrowhead Drive the Front of the home actually faces Cochise Ct. and there is a circle drive there.

4 • Fall Tour of Homes

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6 • Fall Tour of Homes

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Remodeling insurance can protect homeowners

Overgrown plants and messy walkways make a front yard look dated. Give your space a facelift by trimming shrubbery, pruning trees and raking leaves and other yard waste.

PROJECTS

Lovely lighting

• Continued from 3

Gorgeous greenery

A few strategic splashes of color add visual interest and character to entryways. The easiest and most affordable way to achieve this is by adding some potted flowering plants. For green thumbs, consider adding flowerbeds in landscaping around the driveway, sidewalk, walking paths and mailbox. Select affordable flowers from your local nursery that will bloom throughout the season. For questions about which plants are best for your region, contact your local gardening center.

Curb appeal shouldn’t disappear as the sun goes down - make sure your home impresses throughout the night with beautiful lighting. Solar lights are more affordable than ever and are an easy addition to walkways and driveway edges. Under-shrub lighting makes it easy to highlight landscape features at all hours. Finish with a few strings of garden lights on the front porch for a soft glow that illuminates for safety and style.

Driveway facelift

A dingy driveway doesn’t need an expensive replacement, and just a few

strategic repairs can bring it back to life. For concrete driveways, rent a power sprayer to wash dirt and grime. Repair any cracks as necessary. For asphalt driveways, seal cracks and then spread blacktop sealer across the surface. This not only provides an appealing uniform black color, it also helps to maintain the driveway’s integrity, and therefore, your investment.

These five projects will transform your home’s exterior and boost curb appeal. Plus, because each can be done for less than $100, you’ll save while staying within budget. For more home improvement inspiration, visit www. behr.com.

Stop maintenance headaches caused by the harsh weather (BPT) - Intense weather may seem like a distant memory once the temperature warms, but the effects of severe climates may leave long-lasting damage to your home. To make sure your home is in tip-top shape after any brutal conditions, consider these key maintenance projects.

1. Doors and windows

Leakage around windows will admit warm summer air and let cooled indoor air escape. “Be sure to check that any caulking and weather stripping has remained intact well in advance of summer,” says Tom Bury, construction manager on Food Network’s “Restaurant: Impossible.” “If you’ve experienced condensation inside the glass on double- or triple-glazed windows during the colder months, that could mean the weather seal has been compromised.”

When inspecting doors for leaks, here are the top three problems to be on the lookout for: Check doors for cracks that weaken their ability to stop air leaks and water. Inspect weather stripping for peels and

gaps. Make sure hinges are tight and doors fit securely in their thresholds. If any exterior doors need to be replaced, there are a number of options to choose from, with the top three being steel, fiberglass and wood. In addition to being a necessary repair to keep your home safe and secure, replacing the front door can actually pay for itself. The Cost vs.

Value Report shows a new steel front door provides a 96.6 percent ROI. For an extra level of protection, install a guard to the base of exterior doors and windows to help eliminate any air flow.

2. Freshen up with paint

“Paint is an easy way to transform the look of your home,” adds Bury.

From peeling paint on fences or trim, to delivering a complete facelift, painting the exterior of your home has one of the highest returns-on-investment (ROI) of any project, according to Remodeling magazine’s 2014 Cost vs.

Value Report. Delivering an ROI of 90 percent, it’s worth every penny, especially when repairs are already required.

“Even if you’re not

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looking to sell anytime soon, a fresh coat of paint will protect exterior surfaces from future damage and positively impact your home’s curb appeal,” says Bury.

Done right, an exterior paint job can last up to 10 years. Do some research before you start to save yourself from a complete redo not too far down the line. Use high-quality coatings that are specifically designed for the material of your house and your climate. Also, protect surfaces you’re not painting with a high-quality painter’s tape. Investing the time in this simple prep step will also eliminate the need for timeintensive touch-ups.

3. Inspect the foundation See WEATHER page 7

Many steps are involved in a successful home remodeling project. A common mistake made by homeowners is failing to consult with a homeowners’ insurance agent before beginning a major home overhaul. The National Association of Insurance Commissioners advises reviewing your home insurance policy before any significant work is done on your home. The right amount of coverage will protect your assets both during construction and afterward when your home is worth more.

According to the independent consumer insurance website Insure.com, one in four remodeling projects will increase the value of a home by more than 25 percent, so there’s a good chance you will need to increase your coverage to compensate for renovations done on the home.

Many insurance companies require you to insure your home for at least 80 percent of its replacement value. If you have added an extension or installed an inground pool, you may have raised the value of your property enough to necessitate an insurance policy change.

Begin by talking with your insurance company and explain the scope of the planned renovations.

Inquire whether you will need to update or amend your current insurance policy to protect yourself financially during the renovation. This is particularly important for those who will be doing the work themselves or asking a friend or family member for help. While many contractors have business and general liability insurance to protect themselves if a worker is injured, homeowners may need sufficient liability protection in the event a non-contractor gets hurt working on your home. Your insurance company may have other types of insurance to protect you further if you are planning a very large project. Failure to ask about coverage before starting the renovations puts you at risk.

If you will be using contractors and subcontractors, be sure that they are insured and bonded. Should they damage your home or be injured during the renovation, their insurance will cover any resulting expenses. However, if they are not insured or bonded, you

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DIRECTIONS: Peavine Rd. east to Lakeview Dr. to Lakeview Dr. Turn right, go .9 miles Anglewood Dr. Turn left. Go 4 miles to Lake Catherine Townhomes entrance, turn left go 292 ft. and left onto Lake Catherine Circle. Destination on left.

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111 Shore Lane, Crossville - Panoramic views of Lake Canterbury from most of this spacious lakefront home. This 3BR, 2 1/2 BA split bedroom plan has vaulted ceilings, huge skylights, beautiful fireplace, large kitchen, formal dining. Anderson windows, dual walk in closets & large laundry room. Outside goodies include maintenance free brick & vinyl exterior w/covered deck overlooking the lake and walk way to a large dock all of which is constructed of aluminum. Encapsulated crawl space, newer CH&A, hot water heater with more. #902201. $335,000.

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Homeowners may think they have covered all of their bases when preparing for a home renovation project. However, it is also essential to consider insurance needs before you begin work and then again when the project has been completed and the value of the home has increased.

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OF EAST TENNESSEE, INC. LICENSED • INSURED 931-484-8164

may be held liable through your own insurance policy or you may have to pay out of pocket.

Keep all receipts and document the progress of the renovation. You may need this information to present to your insurance carrier after the renovation is complete. This way you can request a new appraisal of the property and secure adequate insurance coverage.

Certain improvements may make you eligible for

EQUAL HOUSING

OPPORTUNITY

3512 Peavine Rd., Crossville, TN 38571 931-484-5122 • Toll Free: 877-484-5122 www.brownrealty.com

Senior Citizen Discounts

www.CallAirExperts.com

456-0818

SINCE 1986

Fall Tour of Homes • 7

www.crossville-chronicle.com • Tuesday & Thursday, October 14 & 16, 2014

Simple tips to put your stamp on your home (BPT) - Every generation of homeowners has its design priorities. Baby boomers look for home design that will let them age in place, while generation X wants features that facilitate busy lifestyles.

Millennials crave interior decor that meshes with their technology, blending energy efficiency, family-friendly features and plenty of personalization.

Since many millennials are starting out in their personal and professional lives, affordability is also a priority.

It’s possible to achieve a personal look that accommodates all your requirements. Here are handful of tricks and tips that can help.

•Color your world.

Paint is one of the easiest and most affordable ways to give your favorite interior spaces an instant facelift. Gray has become the must-have neutral, while pops of color add energy throughout any season.

Place an accent color on a singular focal wall or add a border between the ceiling and the wall color for a subtle pop that adds timeless style and class.

•Repurpose furnishings. Whether it’s an heirloom china cabinet that’s been in your family for generations, a rocking chair from a secondhand store or that shabby but still-comfy sofa

from your parents’ living room, repurposed furniture can add a personalized look to your decor at a fraction of the cost of new items. Inspect all the parts of a refurnished piece to ensure they’re in good repair; tighten screws, apply wood glue where needed and add a fresh finish or new upholstery. Personalizing a repurposed piece creates a unique look at little cost, and by reusing an older piece, you’re doing something for the environment, too.

•Don’t overlook the impact of lighting.

Upgrading lighting is a cost-effective way to personalize the look of a room. There are a variety of fixtures to suit every decorating taste available now. Simply switching out an ordinary fixture in the breakfast nook, dining room or family room for a design that speaks to you can elevate a room’s personal feel. While you’re at it, feed your eco-friendly, energy-efficient craving by outfitting new lights with electricity-sipping CFLs or LEDs. Such bulbs produce the same level of light as incandescent bulbs, and they use about 80 percent less electricity. Plus, they can last eight years or longer.

•Make your own wall decorations. You don’t need to be an artist or

WIN

even particularly crafty to create your own wall art, and nothing is more personal than something you’ve made yourself.

Look online for wall art that appeals to your sense of style, then search for instructional videos and guides that can help you achieve the same look on your own. Whether you opt for hand-framed prints you created yourself, an arrangement of mirrors as an accent on one wall or creative treatments of your favorite family photos, wall art is an easy, cost-effective way to create a personal look in any room.

• Continued from 1 their chance of success, both buyers and sellers should thoroughly research home prices in their area.

Knowing what other homes are selling for will help sellers competitively price their homes, and buyers who do their research will be less likely to overpay.

Buyers may also be able to avoid unproductive bidding wars if they’re armed with price information and know ahead of time how much they are willing to stretch their budget for any given home.

Most agents will be happy to provide buyers and sellers with a comparative market analysis of home values and prices in their area.

3. Be creative.

Sellers don’t want to set

48 Woodgate Drive, Fairfield Glade, TN 38571 Cell 931-200-2213 • Meg@HappyHoundRealty.com Fax: 931-456-1959 • HappyHoundRealty.com

prices too low and buyers don’t want to pay too much.

Creativity can help close the deal for both groups.

Rather than listing a home for a lower price, sellers can enhance their listing’s attractiveness in a number of ways, such as offering to help buyers with closing costs or including a home warranty in the sale.

Buyers - especially those in multiple offer situations can make their offers more attractive by getting mortgage pre-approval, waiving contingencies or offering to rent the home back to sellers for a short period of time to help them with their transition.

4. Know when to walk

away.

Sometimes a deal just isn’t right. Perhaps the other party’s agent makes you uncomfortable, a buyer is adamant about a lowball offer or a seller refuses to make necessary repairs.

Flash sales, bidding wars, price jumps and inventory crunches can also make you feel uncomfortable.

When a bad scenario occurs, the best course of action may just be to walk away. With 25 percent of current homeowners feeling buyer’s remorse over the home they’re currently in, it pays to do everything you can to make sure the deal you’re considering is right for you.

Meg Beato

meg@happyhoundrealty.com

OPEN HOUSE - SATURDAY OCT 18: 10A-3P 255 Kingsdown Drive Country Setting Charm. 1,278 sq. ft. home has 3BR, 2 BA with Master BR bathroom, 1 car garage and storage shed, crawl space covered deck and newer roof and heat/air system all set on a private corner lot.

MLS#889792 $101,000.

CALL MEG (931)200-2213 Directions: Take Peavine Rd. to St. George Dr. and go pass the lake. Take a left on Kingsdown Dr. Look for the corner home on right.

OPEN HOUSE - SATURDAY OCT 18: 2-4P R

U ED

CE

D

312 Lake Catherine Circle

MOTIVATED SELLERS! Price drastically reduced to $159,900 plus sellers pay up to $2,000 toward closing costs! 1,568 total sq. ft. 3 BR/3 BA kitchen w/ top of the line appliances plus washer/ dryer, sun room, surround sound, automatic retractable awning, 210 sq. ft. basement w/ workshop (tools included), party room w/ bath and refrigerator.

A must see!

MLS#886949. $159,900 Directions: Peavine Rd. to right on Lakeview, left onto Anglewood , left into Lake Catherine Condos, first left, condo on left.

931-484-8300

Cell: 931-267-9171

PEGGY NORRIS peggy@happyhoundrealty.com

SERVIN G EAST TEN N ESSEE SIN CE 2005

O rderN ow F orT h e H olida ys Flo o r Specia lizin g in Com fort,Q ua lity,Va lue a n d Ch oice M o d el S a le!

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LetUsS ho w Y o u Ho w to Tu rn O n e Ro o m in to Tw o w itho u t the co st o rhea d a che o f rem o d elin g

Check doors for cracks that weaken their ability to stop air leaks and water. Inspect weather stripping for peels and gaps.

WEATHER

• Continued from 6 “Colder weather presents an entire set of threats to a home’s foundation,” says Bury. “The biggest hazard is frost heaving, which occurs when toplevel soils freeze and thaw, creating upward suction that draws in more water, which then freezes and thaws even more.”

Over time, this frost cycle results in uneven pressure, creating shifts and cracks beneath the home’s foundation.

If you have a basement, it’s crucial to inspect it for leaks that may have developed throughout cold caused by a shift in the foundation and address any issues before seasonal rain begins. If there are cracks wider than 1/4-inch wide, you can plug them by injecting an epoxy, which will stop water from coming into the space.

Just know that foundation repairs can run the gamut from simple DIY fixes to

UC Craft Show coming to complex

The annual Upper Cumberland Craft Show will be held at the Cumberland County Community Complex Nov. 1 from 9 a.m. to 4 p.m. and Nov. 2 from 11 a.m. to 4 p.m. Breakfast and lunch will be available.

To participate in this craft show, contact Cathy Oaks at 510-0616.

major reconstruction, so it’s best to consult a professional.

By taking the time to assess your home’s condition after rough weather you’ll be able to immediately address any issues and ensure your abode is in tip-top shape.

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865-531-1005 B a ron ’s P la za

8817 K in gston P ike Suite 106 •K n oxville,T N 37923

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BRIN G IN Y O U R RO O M M EASU REM EN TS!

www.plateaumetalsalestn.com

$100 O F F

An y M urph y B ed System TN M u rp hy Bed s

No t va lid w ith a n y o thero ffer.

M u st presen t co u po n .Expires11-14-14

8 • Fall Tour of Homes

www.crossville-chronicle.com • Tuesday & Thursday, October 14 & 16, 2014

Credit scores: What you don’t know could cost you (BPT) - Do you know what your credit scores are? If you don’t, you’re not alone. In fact, many people know very little about their credit scores, what they are or how they work. And they certainly don’t understand that having low credit scores can have a big impact on their future.

Are you one of these people?

Recent research from the Consumer Federation of America and VantageScore Solutions highlights some of the crucial credit score information most people don’t know. According to the survey that polled 1,000 American consumers, almost half of the respondents, did not know that a credit score measures the risk of a person’s likelihood to default in 90 days, as opposed to factors such as knowledge of - or attitude toward - consumer credit.

This is paramount, as lenders typically review a person’s various credit scores before authorizing a loan.

The youth factor

Although people of all ages showed a lack of knowledge regarding important credit score information, the results show that the wider knowledge gap exists with Millennials (ages 18-34) than with older Americans.

Less than half of all Millennials understood that age was not used when calculating credit scores, according to the data. Meanwhile, more than 60 percent of adults (45-64) understood

didn’t obtain their scores in the last year.

“We know that education can help consumers improve their scores, and whatever the consumer’s age, our aim is to arm him or her with accurate, unbiased information and resources to help them become good managers of their credit,” Burns said.

To get a true picture of your credit status, it’s

Many people fail to realize how many different ways poor credit scores can affect their lives. Credit scores affect not only whether a person can receive a loan but also the interest rate a person pays for the loan. this.

Millennials also were less likely than older adults to know that credit scores are based on information collected by each of the three main credit bureaus.

“It isn’t a big surprise that consumers in the 45-60year range know more than younger consumers about credit scoring, but the generation of consumers coming into the workforce is particularly challenged by massive student loans. A student loan is a great opportunity to help establish good credit for these consumers, but the concern is that many of these young adults could miss payments and begin their financial lives deep in debt with low credit scores, putting them in a difficult position,” says Barrett Burns, president and CEO of VantageScore Solutions.

Knowledge is power

Many people fail to realize how many different ways

poor credit scores can affect their lives. Credit scores affect not only whether a person can receive a loan but also the interest rate a person pays for the loan.

The data shows that while the majority of all respondents understood that their credit scores would be reviewed by credit-card issuers and mortgage lenders, they did not know that electric utilities, home insurers, landlords and even cell phone companies may also review this information.

In short, a good credit score could save you hundreds or thousands of dollars in interest or rate payments when compared with possessing a poor score. If you want to improve your scores, the first step is to obtain your credit scores so you know where you stand.

Not surprisingly, individuals who obtained their scores in the past year knew more about credit scores and how they are used by lenders in the market than those who

Make a grand entrance (BPT) - Most people enter their home through the garage or backdoor, forgetting how the front entrance looks to neighbors and guests. Your front door is often the first thing others notice about your home.

That’s why it’s key to make a positive first impression.

How to create an inviting entrance Transform your home’s curb appeal with a new front door. With so many new entry door systems to choose from, ranging from single doors, to double-door options, to those accented with decorative glass, or transoms and sidelights, it’s easy to find one that fits your budget and your style. Choose from ENERGY STAR-qualified design options to create a distinctive look, whether you’re building a new home, remodeling, or simply replacing an old door.

Pick a standout color for your front door Sticking with your door?

A fresh coat of paint will do wonders. Try a bold

color to brighten a neutral color scheme. Pick a color that coordinates with your home’s exterior, but dare to be bold with color contrast to add eye appeal.

Update your hardware Why stop with a fresh coat of paint? Refresh old doors with new hardware.

Choose handles and door knockers that complement your home’s exterior design. Pella offers hardware in a variety of finishes, to instantly upgrade exterior doors.

Clean up, accent with contrast Use a little elbow grease and ammonia-free, vinegarbased glass cleaner to wash the windows. Wipe down window and door frames and sweep sills with a dry paint brush or vacuum to remove dirt.

Fill flower boxes or containers with boldly-colored plants to accent your front door. If you’ve painted your door red, plant red and white or red and purple flowers to create a designer look. Or if you’re keen on green doors,

try purple or orange flowers for contrast.

Illuminate your walkway Make it easy for others to see the way to your front door at night. Transform and illuminate walkways with easy-to-install solar lights.

Stake them in the ground positioned so solar cells get enough southern exposure for sunlight to recharge nightlights during the day.

Trim bushes, create container gardens Landscaping should accent your home, not dominate it. Keep bushes below the bottom sill of your windows to improve your view.

Trim or replace overgrown shrubs and trees. Keep plant material trimmed several feet away from your home to minimize damage from wind or insects, and help eliminate a place for prowlers to lurk.

best to review your credit reports and credit scores from multiple sources. Test your knowledge about credit scores at www.CreditScoreQuiz.org, which was created by VantageScore Solutions and Consumer Federation of America.

Both the online quiz and a corresponding brochure are available in Spanish at www.creditscorequiz.org/ Espanol.

For more tips and resources to educate yourself regarding credit scores, visit the VantageScore Website. There you’ll find useful information regarding what impacts your credit score and how to be a good manager of your own credit.

BOOKMARK IT! www.crossville-chronicle.com

For Sale By Owner

Open House 77 Bluebird Circle, Crossville

Saturday, October 18 • 10:00 a.m. - 4:00 p.m.

Sunday, October 19 • 1:00 p.m. - 5:00 p.m.

BEAUTIFUL HOME IN HOLIDAY HILLS! 4 bedrooms, 4 baths, 3,188 sq. ft. Home sits on two lots, over one acre, on a quiet cul-de-sac. All bedrooms on main level. Large foyer, gorgeous living room, hardwood floors, 10 ft. ceiling, crown molding, wood burning fireplace with vented gas logs. Large kitchen has custom cabinets, a bar, a pantry, built-in booth seating and a breakfast nook with wood ceilings. Full guest bath, Jack and Jill bath, large master bath with whirlpool tub and glass shower. Two large walk-in closets in master bedroom. Office or formal dining room with pocket doors that open into living area.

Two central H/A units, 2 water heaters, one continuous-never run out of hot water! Huge bonus room with half-bath plus tons of floored attic space, big back deck, fire pit, playhouse and storage shed all in private wooded back yard. Covered front porch and 2 car garage with more floored storage above.

Wonderful neighborhood!

292,000

$

DIRECTIONS: Turn off Holiday Drive onto Cardinal Loop. At the back of Cardinal Loop, turn onto Bluebird Circle.

View Lots More Photos Online At www.forsalebyowner.com Listing ID# 24005253 or Call Ron at 931-484-2442

OPEN HOUSE

S ATURDAY ,O CTO BER 18TH 2-4PM S UN DAY ,O CTO BER 19TH 2-4PM

Give Us A Call Today!

FOR SALE BY OW N ER 3025 S ha w n ee Rd ,La ke Ta n si

Ho m e bu ilt in 2006,1400 sq .ft.2 Bed ro o m s, 2 Ba thsw /o a k ca bin ets,bo n u sro o m ,livin g/d in in g ro o m a n d kitchen fea tu resca thed ra lceilin gsa n d o a k ca bin ets,ca rpet a n d vin ylflo o rin g,ceilin g fa n s in livin g ro o m ,bed ro o m sa n d screen ed ba ck po rch.Cen tra lhea t a n d a ir,n a tu ra lga s,extra in su la tio n in a ttic o verga ra ge a n d pa rt o fho u se.

La u n d ry clo set,2 ca rga ra ge w /sto ra ge ro o m , 10x12 sto ra ge shed ,in ba ck ya rd .En jo y the La ke Ta n sia m en ities.PRIC E REDUC ED TO $127,000 D irectio ns:Fro m Cro ssville,ta ke N ew La nta na Rd 3 m iles to lefto n D unba rRd.a ttra ffic light.Tra vel 3 m iles a nd turn left,o n N a tchez Tra ce Ro a d tra vel1 m ile turn lefto n Sha w nee Ro a d,3rd ho use o n left.Q uestio ns?Ca ll931-788-2591

FREE CORDLESS 30% OFFLIFT 931-707-7727 Dec. 31, 2014 >

931-707-7727

Franchise Opportunities Available. Call 1-800-420-5374 or visit www.budget-blinds-franchise.com. ©2013 Budget Blinds, Inc. All rights reserved. Participating franchises only. Each franchise is independently owned and operated. Budget Blinds is a registered trademark of Budget Blinds, Inc. and a Home Franchise Concepts brand.