Life and Homes Chattanooga Tennessee by Stephen Lisi

Chattanooga, TN

Life and

Homes

Free May

2011

Bring it Home

NEW

Local Listings

Fast &

Affordable Home

Transformations

Creative

Selling Tips

Complete Real Estate Listing Directory @ LifeandHomes.com

Life and

Homes

Welcome to LifeandHomes

Chattanooga, TN Edition Published By LAH1, LLC

™

Publication Franchisor David P. L isi

It’s that time of year when we all start enjoying the warm weather and yearn to get outside to do the things we love to do. Chattanooga is such

Corporate Editor Ki m L isi

a diverse place with something for everyone to enjoy and certainly many

Kim@lifeandhomes.com

outdoor activities for all. I encourage you to take the time to do things you really enjoy. This is something some may not even remember owing to the

Contributing Writer Dr. D avid Banks

fast paced life. Leisure time is very important for us all. Whether you prefer

Chattanooga, TN Franchise

active leisure activities such as a game of basketball or a passive leisure

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activity like reading, take the time and invest in yourself.

Dawn Phillips , RMC

Choosing a home is a major decision and we are committed to bring the

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best of the best together to help you with your real estate needs. We also hope you will support local businesses by calling on the advertisers who make this publication possible.

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Life and Homes is published monthly by LAH1, LLC. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions. The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability. This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site. Copyright © 2011 LAH1, LLC.

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Outdoor Feature

Trends Growing In Popularity

Whatever the economic climate, homeowners prefer landscape trends that let them make the most of the weather in their own outdoor space.

A recent American Society of Landscape Architects (ASLA) Residential Trends Survey asked residential landscape architecture professionals to rate the popularity of different outdoor living and landscape features. Today’s homeowners, the survey said, prefer function, efficiency and fire pits, choosing such basic features as light, fire, food and a place to sit and enjoy it all.

newsShorts features (81 percent) and food/vegetable gardens (80.3 percent). Other popular sustainability features include permeable paving (77 percent), reduced lawn (72.6 percent) and rainwater harvesting (63.6 percent). More information can be found at www.asla. org/residentialinfo. (NAPSI)

Colorful Ways to Pay Your Mortgage

A spokesman for Milner, 49, who lives in Moscow with his wife and two children says the tycoon has no plans to move into the French-style mansion in Silicon Valley.

Adzookie is looking for houses to paint. In fact, paint is an understatement. They're looking for homes to turn into billboards. In exchange, they'll pay your mortgage every month for as long as your house remains painted.

If you're prepared for the bright colors and stares from neighbors, complete the submission form found at www.adzookie.com/paintmy house.php. If your home meets their criteria, an Adzookie team member will contact you.

Plastic pink lawn flamingos were invented in 1957 by Don Featherstone of MA. His company sells an average of 250,000 to 500,000 plastic pink flamingos a year. www.Life and Homes .com

L i f e and H o m e s

There are a few stipulations. You must own your home. It cannot be rented or leased. They'll paint the entire outside of the house, minus the roof, the windows and any awnings. Painting will take approximately 3 - 5 days. Your house must remain painted for at least three months and may be extended up to a year. If, for any reason, you decide to cancel after three months or if they cancel the agreement, they'll repaint your house back to the original colors.

While many homeowners continue to wrestle with the fallout of the housing crisis, a majority of Americans say that simply walking away from a mortgage shouldn't be an option for homeowners, according to a new survey by FindLaw.com. According to the survey, the majority of Americans -60 percent - believe that it is "never OK" for homeowners to simply stop making payments on their mortgages. One-third of the population (34 percent) says it's OK for homeowners to walk away from mortgages, but only if they aren't able to make the monthly payments. Only 3 percent believe that homeowners should be able to walk away from mortgages anytime they want. (FindLaw.com)

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When it comes to landscape elements, efficiency and sustainability reign supreme. Very popular are low-maintenance landscapes (94.2 percent), native plants (87.2 percent), water-efficient irrigation (83.1 percent), ornamental water

The 25,500-square-foot Los Altos, Calif., home, situated on 11 acres, reportedly has indoor and outdoor pools, a ballroom, a wine cellar, five bedrooms and nine bathrooms.

May

“Homeowners continue to reconnect with their outdoor space. However, expect many households this year to either phase in projects over time or carefully select fewer features,” said ASLA executive vice president and CEO Nancy Somerville.

The Wall Street Journal reportes that Russian tech billionaire Yuri Milner has paid the highest known price ever for a single-family U.S. home — $100 million.

Most Americans Opposed To Walkaway Homeowners

Overall, 96.2 percent of respondents rated exterior lighting as somewhat or very popular for this year, followed by fire pits/fireplaces (94.2 percent), seating/dining areas (94.1 percent), grills (93.8 percent) and installed seating like benches or seat walls (89.5 percent). While the most popular outdoor features reflect an enduring sensibility, the interest in modern technology such as stereo systems (58.3 percent), Internet access (46.3 percent) and televisions (45.4 percent) adds to the growing trend of taking what people enjoy inside to the outdoors—up to a point. Only 10.4 percent of respondents thought outdoor sleeping areas would be popular this year.

The Billionaire Next Door

Create Curb Appeal

With Flowers

three. Sprinkle it around the plant, work it into the soil and water it in for six weeks of protection. Always read and follow label directions.

Flowers are a low-cost way to add curb appeal to your home. They provide a positive first impression. And if you’re selling your house, they’ll entice prospective buyers to come inside and see more.

Proper watering will make your landscape a flowering success. Stick your finger a few inches into the soil. If it’s dry, it’s time to water. If the forecast calls for rain within 24 hours, then Mother Nature will help you save money on your water bill. Otherwise, use a soaker hose to water your flowers, since it’s more effective than spraying with your garden hose. (NAPSI)

“Hot colors such as red, bright pink, yellow, orange and orange-red make distances seem shorter,” said Lance Walheim, co-author of “Landscaping for Dummies” and gardening expert for Bayer Advanced™. “Cool colors such as white, blue, purple, deep red and pastels make spaces seem longer.” If you want to make a small yard seem bigger, plant hot colors at the entryway and cool colors at the far end of your yard to create a living watercolor painting. • Take color cues from your house, paving or other blooming plants: You should choose complementary colors with similar shades to create a harmonious landscape with lots of character. You also want to fill empty spots. Need some help? Snap a photo of the area with your smart phone and show it to your local garden center expert. He or she can give you some great ideas.

L i f e and H o m e s

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Chattanooga, TN

• Maximize your mulch: Mulch makes your garden look neat and protects your flowers, trees and shrubs. It also helps keep the weeds out. Your options include pine straw, shredded bark and nuggets. Choose one type for consistency throughout your landscape. If you need a lot of mulch, buy it all at one time to save money on delivery costs. • Protect your flowering investment: Flowers need food. They also need to be protected against insects and diseases. Bayer Advanced All-In-One Rose & Flower Care Granules (www.BayerAdvanced.com) provides all 4

newsShorts

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

Contractor Fraud Blossoms with Warm Weather

their homes back in order fast and are more prone to making rash decisions. They offer these tips to help inform homeowners. * Always insure your contractor has the appropriate licenses/registrations and insurances. Remember a business license is not a contractors license. * Never give in to high pressure salesman or door to door salesman. If one shows up at your door, it’s not your lucky day. Good contractors generally don’t have time to go door to door. * Never pay cash for anything. Money orders are cash. Always make sure checks are made out to business name, not a person. * Ask for references, and check them! * Never let anyone into your home or on your roof unsolicited. Visit ConstructionConfidant.com for information and other tips on how to protect yourself from contractor fraud. (RealEstateRama release)

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The Office of Consumer Affairs estimates 20-40% of construction business’ that advertise are not properly licensed or registered.

Entertaining

This indicates proper insurances are also not in place. If the contractor defaults, the homeowner would not be eligible for any reimbursements from recovery funds that some states offer. Also, If a contractor or any of his employees get hurt on your property you are liable.

about Life and Home

Every year complaints against contractors pour into the BBB. The economy is compounding the problem. Contractors desperate for work with unscrupulous morals are taking advantage of customers at an alarming rate, and with budget cuts across the board, the agencies that service consumers don’t have the resources required to be effective.

TV Show On Demand Video at www.LifeandHomes.com Click on Video Channel

• Tips and Services • Home Video Tours • Home Improvements • Interesting Family Life • Interviews Hosted by

ConstructionConfidant.Com says research shows that the people that are at the greatest risk are senior citizens, single women, and anyone that lives in an area were a natural disaster or bad storms have taken place. Fraudulent contractors know that home owners are desperate to get

Jill Hayes

TV & Video Channel

mortgageCorner

Beware of Foreclosure Rescue Scams - Help Is Free! Foreclosure rescue and mortgage modification scams are a growing problem. Homeowners must protect themselves so they do not lose money—or their home.

counselor. Assistance is available in English and Spanish, and other languages by appointment.

Scammers make promises that they cannot keep, such as guarantees to “save” your home or lower your mortgage, oftentimes for a fee. Scammers may pretend that they have direct contact with your mortgage servicer when they do not.

Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.

The Federal government provides free resources to get you the help you need. Homeowners can call the Homeowner’s HOPE™ Hotline at 1-888-995-HOPE (4673) for information about the Making Home Affordable © Program and to speak with a HUD-approved housing

Tips to Avoid Scams

Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams. Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you

sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt. Never make a mortgage payment to anyone other than your mortgage company without their approval. What to Do if You Have Been the Victim of a Scam If you believe you have been the victim of a scam, you should file a complaint with the Federal Trade Commission (FTC). Visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357) for assistance in English or Spanish.

May ■

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L i f e and H o m e s

LifeandHomes.com Birchwood

Open Market Listing Service™

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4 Bedrooms / 2.0 Baths

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For more details visit www.LifeandHomes.com Type in Quick Search #54612

Pamela Brown • 423.605.8026 cell

Connie Faircloth • 423.667.0949 cell

Broker/Owner • pam@c21progroup.com • 423.949.7653 (office)

Century 21 Professional Group Realtor • tnlandhomes@bledsoe.net • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Chattanooga

Dunlap

$114,900

$476,907

7724 Holiday Hills Circle

401 Farmington Ln

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #72183

For more details visit www.LifeandHomes.com Type in Quick Search #67134

Centurion Realty, Inc.

Nate Durham • 423.834.2569 cell

Broker/Owner • natedurham@comcast.net • 423.698.4555 (office)

Century 21 Professional Group Kevin Wohl • 423.243.6000 cell Realtor • kaw54realestate@aol.com • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Cleveland

Dunlap

$113,995

$388,750

117 Crawford Lane SE

353 Rabbit Farm Rd

3 Bedrooms / 1.0 Baths

4 Bedrooms / 3 Baths/2 Half Baths

For more details visit www.LifeandHomes.com Type in Quick Search #71695

For more details visit www.LifeandHomes.com Type in Quick Search #54762

Keller Williams-Cleveland

Paul Avratin • 423-303-6520 cell Realtor • pavratin@kw.com • 423.303.1200 (office)

Century 21 Professional Group Kevin Wohl • 423.243.6000 cell Realtor • kaw54realestate@aol.com • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Dunlap

$268,500

$139,900

113 Quail Run Dr

416 Herron Rd

3 Bedrooms / 3.0 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #54597

For more details visit www.LifeandHomes.com Type in Quick Search #54718

Century 21 Professional Group

Connie Faircloth • 423.667.0949 cell Realtor • tnlandhomes@bledsoe.net • 423.949.7653 (office)

Century 21 Professional Group

Pamela Brown • 423.605.8026 cell Broker/Owner • pam@c21progroup.com • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Dunlap

$298,750

$69,500

269 Cedar Ln

10357 SR 8

4 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #67663

For more details visit www.LifeandHomes.com Type in Quick Search #58167

Connie Faircloth • 423.667.0949 cell

Pamela Brown • 423.605.8026 cell

Century 21 Professional Group Realtor • tnlandhomes@bledsoe.net • 423.949.7653 (office)

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Chattanooga, TN

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

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Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

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How To Use A "Reverse Offer" To Get Your Property Sold If you have a property on the market and you can’t get it sold, it may be time to consider a strategy that many sellers used in the 80’s when interest rates soared and the real estate market was lagging. It’s called the “reverse offer.”

Chattanooga, TN

It’s a strategy in which a seller makes an offer to a buyer. It runs counter to the traditional offer process in which a buyer makes an offer to a seller. However, it can be effective in slow markets if used correctly.

L i f e and H o m e s

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First, here are some advantages of the reverse offer strategy: - It gets a buyers attention. - It opens a line of communication with a buyer. - It gets a hesitant buyer off the fence. - It makes a buyer feel like they're getting a deal nobody else is getting. - It encourages a buyer to take action. 8

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

- It gives a buyer a sense of your bottom line without revealing this number to the entire marketplace. - It avoids putting a buyer in the uncomfortable position of "lowballing" a seller.

If you decide to use a reverse offer strategy, here are the steps you should follow:

Step 1: You should only approach buyers who have seen your property at least twice. If buyers have had a second showing, but haven’t yet made an offer, they may be on the fence for

some reason. These are the buyers who are a good candidate for a reverse offer.

Step 2: When you have a list of buyers who have already had a second showing on your property, call their agent to gauge their level of interest in your property. You need to find out what is keeping them on the fence. You may discover things for which you could provide an easy solution. For example, the buyer may be hesitating to make an offer because they need to sell their current home and they are uncertain if a seller

would accept an offer with a contingency to sell their existing home first. You could solve this problem by simply giving them a 90 day contingency to sell their home. Sure, you may have to wait 90 days to close on your property, but you’ve also locked up a buyer and ensured adequate sleep for the next 90 days. On average, it takes a buyer between 30-60 days to close anyway. So you’re really only adding another 30 days. If the long timeframe concerns you, you may ask the buyer to "firm up" the earnest money by making it non-refundable.

Step 3: You can offer a price reduction. But you don’t necessarily have to offer a substantial reduction to generate interest. A 1-2% reduction may be enough to get the conversation rolling. In addition to using a price reduction to attract a buyer, consider offering other incentives to get the buyer excited. For example, you could also offer:

- Seller paid closing costs - Kitchen or laundry appliances - An Interest rate buydown on the buyer’s mortgage - Pre-paid taxes - Pre-paid insurance - Pre-paid HOA dues - Flat screen TV - Furniture

Step 4: When you finally make your offer to the buyer, you need to create a sense of urgency. So it’s important to set a required response date. It should only be 1-2 days at the most. In a market where buyers have grown accustomed to waiting as long as they want to make a decision, this will create a sense of urgency. Furthermore, if you extend a reverse offer to multiple buyers, you should let them all know that you have sent an offer to other potential buyers and that the first buyer to respond will win.

Some misinformed people argue that a reverse offer makes a seller look desperate. But most buyers say that unrealistic sellers are their biggest concern in today’s market. This strategy shows the buyer you are willing to put together a deal. And remember, you don’t need to slice tens of thousands off the price of your property to get buyers interested. You can simply use a reverse offer to get the conversation rolling. If a buyer decides to make a counter offer, you can still respond to it in the same way as you could if the buyer had made the offer first.

Alex Everest, Founder and President of Deal Maker Library (www.dealmakerlibrary.com), is a nationally known real estate investor, author, speaker, and advisor from Minneapolis, Minnesota. He specializes in the areas of wholesaling, rehabbing, owner financing, and land trusts for residential real estate. (Biggerpockets.com)

May ■

Full Line of Landscape Services. Contact Stephen -

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L i f e and H o m e s

(423) 227-7798

LifeandHomes.com Dunlap

Open Market Listing Service™ Dunlap

$74,500

96 Water St

3 Bedrooms / 1.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #54725

For more details visit www.LifeandHomes.com Type in Quick Search #54704

Century 21 Professional Group

Pamela Brown • 423.605.8026 cell

Broker/Owner • pam@c21progroup.com • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Dunlap

$177,000

818 Fawn Cr

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #54528

For more details visit www.LifeandHomes.com Type in Quick Search #54572

Pamela Brown • 423.605.8026 cell

Century 21 Professional Group

Broker/Owner • pam@c21progroup.com • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Dunlap

$152,500

331 Dogwood Lane

3 Bedrooms / 2.0 Baths

3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #54641

For more details visit www.LifeandHomes.com Type in Quick Search #67154

Pamela Brown • 423.605.8026 cell

Cindy Garner • 423.364.6265 cell

Heartland Realty

Broker/Owner • pam@c21progroup.com • 423.949.7653 (office)

Broker/Owner • heart1@bellsouth.net • 423.949.3642 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Dunlap

$649,000

88 Cloverdale Dr.

3 Bedrooms / 2.0 Baths

3 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #54699

For more details visit www.LifeandHomes.com Type in Quick Search #67152

Pamela Brown • 423.605.8026 cell

Cindy Garner • 423.364.6265 cell

Heartland Realty

Broker/Owner • pam@c21progroup.com • 423.949.7653 (office)

Broker/Owner • heart1@bellsouth.net • 423.949.3642 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Dunlap

$237,500

$159,900

171 Hidden Ridge Loop

228 Blue Bird Ln

4 Bedrooms / 2.5 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #72309

For more details visit www.LifeandHomes.com Type in Quick Search #53081

Century 21 Professional Group

Re/Max Southern Properties

Pamela Brown • 423.605.8026 cell

Phyllis Welch • 423.593.2775 cell

Broker/Owner • pam@c21progroup.com • 423.949.7653 (office)

Realtor • phylliswelch@remax.net • 423.949.4466 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Chattanooga, TN

$98,500

449 Dogwood Ln

Century 21 Professional Group

Able Remodeling, LLC

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$159,000

322 Rock Creek Rd

Century 21 Professional Group

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$139,000

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Century 21 Professional Group

423-303-6520 Complete Residential Remodeling & Maintenance Services

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LifeandHomes.com Jasper

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3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #53094

For more details visit www.LifeandHomes.com Type in Quick Search #72315

Re/Max Southern Properties

Century 21 Cumberland Realty

Phyllis Welch • 423.593.2775 cell

Amanda Matthews • 423.240.4974 cell

Realtor • phylliswelch@remax.net • 423.949.4466 (office)

Realtor • amandamatthews@century21.com • 423.942.6000 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Graysville

Jasper

$329,900

$137,000

5423 Hendon Rd

311 W 2nd St.

4 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #53072

For more details visit www.LifeandHomes.com Type in Quick Search #72313

Re/Max Southern Properties

Century 21 Cumberland Realty

Phyllis Welch • 423.593.2775 cell

Amanda Matthews • 423.240.4974 cell

Realtor • phylliswelch@remax.net • 423.949.4466 (office)

Realtor • amandamatthews@century21.com • 423.942.6000 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Graysville

McMinnville

$239,900

$325,000

143 Palmer Lake Rd

310 W. Main Street

4 Bedrooms / 3.5 Baths

3963 sq. ft/ Commercial

For more details visit www.LifeandHomes.com Type in Quick Search #70659

For more details visit www.LifeandHomes.com Type in Quick Search #72318

Phyllis Welch • 423.593.2775 cell

Amanda Matthews • 423.240.4974 cell

Re/Max Southern Properties

Century 21 Cumberland Realty

Realtor • phylliswelch@remax.net • 423.949.4466 (office)

Realtor • amandamatthews@century21.com • 423.942.6000 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Hillsboro

McMinnville

$325,000

$395,000

723 Aedc Road

309 W. Morford Street

5,000 sq. ft/5.61 acres

5925 sq. ft - income property

For more details visit www.LifeandHomes.com Type in Quick Search #72320

For more details visit www.LifeandHomes.com Type in Quick Search #72317

Amanda Matthews • 423.240.4974 cell

Century 21 Cumberland Realty

Realtor • amandamatthews@century21.com • 423.942.6000 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Hillsboro

Ooltewah

$250,000

$249,900

0 Aedc Road

9065 Gull Lane

Approx. 25.22 acres - commercial

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #72319

For more details visit www.LifeandHomes.com Type in Quick Search #72184

Amanda Matthews • 423.240.4974 cell

Nate Durham • 423.834.2569 cell

Century 21 Cumberland Realty

Centurion Realty, Inc.

Realtor • amandamatthews@century21.com • 423.942.6000 (office)

Broker/Owner • natedurham@comcast.net • 423.698.4555 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Timeless Elegance

The area’s oldest and most experienced fabricator of custom natural stone products

621-D Black Street Chattanooga, Tennessee

(423) 756-1354

purpose ~ Balanced Energy ~ Buffered Caffeine ~ Combats Stress Related Eating

Paul & Elaine Avratin (423) 303-6520

paulandelaine.igetpaidtodrinkcoffee.com www.Life and Homes .com

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~ Patented Hunger Control ~ Thermographic Fat Burning

LakeShore Drive, Ft. Oglethorpe, Georgia Live It! Realty Charlotte Humphrey 423-475-6855 423-645-9881

exotic

coffee experience with a

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Starting @ $100 s/f

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

May

Home m o t s s Cu Ken Howell Builder 423-667-0889

$175,000

18 Blue Sewanee Rd

Chattanooga, TN â&#x2013;

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Update Interiors with a

Quick Flooring Transformation

Is your home in need of a makeover to go from boring to brilliant? What better time than now to update your home's tired, worn interior. You need look no further than right under your feet - to the floor below - for a simple, budget-minded way to Installing new flooring can quickly and dramatically change a room's appearance without breaking your budget, thanks to stylish, durable and affordable new flooring options like luxury vinyl tile (LVT) - the fastest growing segment in the U.S. resilient flooring market. Whether you're looking to update a bathroom, kitchen, living room or virtually any other room in your house, LVT flooring, such as Tarkett NAFCO Luxury Floors PermaStone Collection, can help you make a spectacular transformation that offers everyday practical performance and stunning looks.

* GroutFit -- produces a realistic grout effect with tiles that have two beveled sides that are embossed to mimic the real thing and create "grout lines" when installed together. * GroutFil -- features 14, pre-mixed, stainresistant, acrylic-based grout colors to create an endless number of patterns and grout possibilities, heightening the mimicry of real stone. * GroutLess -- offers randomly cut tiles that quickly install edge to edge without grout or seam sealer for a uniquely modern look. "Grout options in LVT give you the ability to get creative with your design and truly reflect your personal style," Hubbard says. "What's more, grouted LVT floors are more cost efficient and much easier to install than traditional ceramic tiles."

Maintenance for LVT floors, including grouted ones, also is minimal. Forget the sealing, polishing and special cleaners required for floors made from natural materials. While LVT floors look similar to the real thing, they feature a major benefit - the easy-care vinyl requires only the use of a neutral floor cleaner and water to maintain a beautiful floor. No harsh chemicals are needed. Another benefit is easy repair. If a few tiles get damaged, they can be removed and replaced within minutes without the need to tear up a large section of the floor or have a flooring specialist come to your home. "LVT combines great looks and practicality into an affordable flooring option that withstands every day wear and tear," Hubbard says. "With its quick and easy installation, you can do an amazing DIY spring decorating spruce-up in just a weekend or even less." (ARA)

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Warm, soft and quiet underfoot, wear-resistant LVT holds up to the rigors of daily household traffic much better than stone, hardwood or ceramic. This is due in part to LVT's durable construction. This resilient flooring option features a protective wear layer that resists scuffs, scratches, tears and gouges.

Because LVT isn't nearly as hard as real stone or ceramic tiles, it also isn't as slippery when wet. Glass or china is less likely to shatter if accidentally dropped, and your little ones won't scrape their knees or elbows if they fall.

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Nothing like the sheet vinyl of earlier years, today's LVT offers a design-forward, durable alternative to natural flooring, which can be expensive to install, maintain and repair. LVT, or resilient flooring, delivers all of the luxury of natural flooring without the hassle and fuss.

Like natural flooring tiles, some LVT products offer various installation options. PermaStone, for example, lets you choose from the following:

May

"Luxury vinyl tile provides homeowners with the option to have flooring in any room that deftly echoes the style of popular natural, hard-surface flooring options, such as Travertine marble, limestone, concrete and slate," says Erica Hubbard, Tarkett NAFCO director of marketing. "These designs pop with depth and realism and combine both classic and contemporary elements, providing a wide range of style options. You can even create custom designs by intermixing textures and borders throughout a room."

freshen your decor and add to your home's value. Give any room of the house an updated look with flooring that mimics natural stone or ceramic tile, but without the upkeep or high cost.

Setting the Right Tone in Your Home By Dr. David Banks

A few years ago I received a phone call from a young couple who were in a desperate situation and needed some immediate counseling. We set up a time for them to come in the next evening at 6:30pm. They arrived on time and brought their newborn baby along with them. They apologized for not being able to arrange a babysitter and placed the baby’s car seat carrier beside the couch. I noticed that the baby was hooked up to a machine. Out of my own curiosity I asked them about the machine. They informed me that their baby had a heart problem and the machine monitored the baby’s heart. I began the session with an assessment that included a series of questions. This helped me to understand the state of their marriage. I felt impressed to ask a unique question. I asked them to describe the atmosphere of their home. They both looked at each other and looked down with embarrassment. They described their home as a place of tension. There was a lot of arguing, yelling and even the use of profanity.

After the session, I reviewed my notes about the couple. I started making a correlation between the atmosphere in their home and the condition of their baby. I began working with this couple by giving them Biblical principles and assisting them to develop a godly design for their marriage. The couple made tremendous progress and the state of their marriage and home began to change. They ended their counseling sessions by renewing their vows in my office. A year later, my wife and I were shopping. We saw the wife of the couple I had counseled a year ago. She looked great and shared that she and her husband were doing well in their relationship and had a closeness that they had not had previously.

I boldly share this story because it illustrates an important truth. Setting the right tone or atmosphere in your home is a vital part of peace and wholeness in the lives of those who dwell there.

Dr. Banks has been married for 20 years. He and his wife Sylvia have three children.

Chattanooga, TN

“Great Service Starts with a Clear Vision”

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L i f e and H o m e s

I remembered the baby they had brought to my office on their first visit and I asked how the baby was doing. Her response was, “Dr. Banks when we got our marriage in order and changed the atmosphere in our home, our baby was healed.”

WWW.IMPROVEYOURSERVE.COM OFFICE: 423-591-0567

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CELL: 423-834-1259

Open Market Listing Service™ Rossville

LifeandHomes.com South Pittsburg

$299,900

$99,000

612 Washington Street

519 Holly Ave

3 Bedrooms / 2.0 Baths - Main Home + 2 Rentals

2 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #72185

For more details visit www.LifeandHomes.com Type in Quick Search #72316

Nate Durham • 423.834.2569 cell

Amanda Matthews • 423.240.4974 cell

Centurion Realty, Inc.

Century 21 Cumberland Realty

Broker/Owner • natedurham@comcast.net • 423.698.4555 (office)

Realtor • amandamatthews@century21.com • 423.942.6000 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Signal Mountain

Spencer

$139,900

$29,711

576 Pickett Rd

260 Branch Creek Rd

3 Bedrooms / 1.5 Baths

1.5 Acres

For more details visit www.LifeandHomes.com Type in Quick Search #66040

For more details visit www.LifeandHomes.com Type in Quick Search #54678

Connie Faircloth • 423.667.0949 cell

Kevin Wohl • 423.243.6000 cell

Century 21 Professional Group

Realtor • tnlandhomes@bledsoe.net • 423.949.7653 (office)

Realtor • kaw54realestate@aol.com • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Signal Mountain

Spencer

$659,000

$117,000

2927 Corral Rd

166 Rolling Hills Dr

5 Bedrooms / 3.5 Baths

3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #53078

For more details visit www.LifeandHomes.com Type in Quick Search #54677

Re/Max Southern Properties

Century 21 Professional Group

Phyllis Welch • 423.593.2775 cell

Kevin Wohl • 423.243.6000 cell

Realtor • phylliswelch@remax.net • 423.949.4466 (office)

Realtor • kaw54realestate@aol.com • 423.949.7653 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Soddy Daisy

$224,000 10697 Thatcher Crest Dr.#39

Tellico Plains

3 Bedrooms / 2.0 Baths

40.2 acres

For more details visit www.LifeandHomes.com Type in Quick Search #67155

For more details visit www.LifeandHomes.com Type in Quick Search #71694

$229,000 Reagan Valley Rd./Fairview Rd.

Heartland Realty

Keller Williams-Cleveland

Cindy Garner • 423.364.6265 cell

Paul Avratin • 423-303-6520 cell

Broker/Owner • heart1@bellsouth.net • 423.949.3642 (office)

Realtor • pavratin@kw.com • 423.303.1200 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

Soddy Daisy

Whitwell

108 Windy Hollow Rd

$259,900

$675,000 10350 Mullins Cove Road

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #58050

For more details visit www.LifeandHomes.com Type in Quick Search #72314

Re/Max Southern Properties

Century 21 Cumberland Realty

Phyllis Welch • 423.593.2775 cell

Amanda Matthews • 423.240.4974 cell

Realtor • phylliswelch@remax.net • 423.949.4466 (office)

Realtor • amandamatthews@century21.com • 423.942.6000 (office)

Each Office is Independently Owned & Operated. Low Mortgage Rates - Synovus Mortgage Corp. 423-643-8889

We Protect What You Treasure Most

EACH KW OFFICE INDEPENDENTLY OWNED & OPERATED

Transfer existing or sign up for new service and receive three months free monitoring. Be Realistic, Not a Statistic.

Sue Owens

Sales Consultant-Chattanooga, N Georgia, S Middle TN 5819 Winding Lane, Hixson, TN 37343

423.595.7564

sowens@adssecurity.com • www.adsalarms.com

www.Life and Homes .com

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423-303-1200 OFFICE 423-303-6520 CELL

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CLEVELAND PAULAVRATIN.COM

May

650 25TH STREET NW. SUITE 300 CLEVELAND,TN. 37311

- 1 out of 6 homes will have a burglary - Having a security system makes your home 3 times less likely to be burglarized - 8 out of 10 fire deaths occur in the home - Having a fire system in your home reduces your risk of dying in a fire by 82%

Live Large in Your Living Room for $100 or Less There's a reason we call it "the living room." We might all spend most of our time in the kitchen, but when we want to relax with family and friends to watch a movie, take in a TV show or just enjoy some good conversation, we head to the living room.

Between the kids playing trampoline on the couch or taking the "throw" in throw pillows literally, the family dog decorating the carpet with her hair, and the overall wear and tear the room gets, it may be hard to imagine living large in your living room anymore. The good news is, refreshing the room and making it a showpiece of your home again needn't cost a bundle. In fact, you can give your living room a facelift by making some key changes that each cost $100 or less. From wall decor ideas to furniture fixes, here are some easy, do-it-yourself decorator moves that can update the look of your living room for less than the cost of a designer handbag:

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â&#x2013;

Chattanooga, TN

Accessorize, accessorize, accessorize Just as the right shoes and a bright scarf can add pizzaz to an otherwise so-so outfit, the right mix of accessories can add power and pop to your living room decor. Accessories can also help conceal a host of flaws, from worn-out upholstery to stained carpeting. Hit a discount home goods store and replace tired accent pillows with new ones in bright colors. Add designer-inspired tiebacks to the same old drapes after you've freshly laundered them. Scatter plush throws around the room. Cover carpeting that's seen better days with an area rug that looks fresh, new and fun. 16

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Back to the wall She who wields a paint roller well (or is even just reasonably OK with one) has the power to completely change a room - for less than $30 a gallon. Paint is a fast, cost-effective way to make a lived-in room look move-in ready again. And since you spent so little redoing three walls, consider a wallpaper mural for the fourth.

Your Decorative Source

Murals like those found at www.DecorPlace.com can transform any room with a nature mural or images that evoke a tropical getaway, a vibrant cityscape, an undersea wonderland or a rustic Tuscan villa. On the website, you'll find plenty of easy-to-install murals for less than $100. You can use yours to create a focal point in your living room, accent an architectural feature, make a small space feel more open and airy, or add interest to an otherwise boring wall.

for a Vast Selection

of Oriental Hand Made Rugs.

Fire it up Wish your living room had a fireplace, but find yourself without several thousand dollars to have a real one installed? You can evoke the warm, cozy atmosphere of a fireplace in a number of ways. Purchase a small chiminea for less than $100 and invest in a pillar candle to place inside it. The candle will create a warm glow (and appealing aroma if you choose a scented one) with less fire risk than burning wood in the chiminea. Just remember to follow good fire-safety practices, and keep children and animals away from all open flames. Spend a little bit more, and you can construct your own faux mantel and place several pillar candles in the hearth area of the mantel.

Furniture fixes If your wooden furniture is still sturdy but suffering from scratches, dings, dents and watermarks, consider refinishing it yourself. One gallon of wood finish can cost less than $30, and cover a lot of wood furniture. Or, you can check out used furniture stores, flea markets and yard sales in search of gently used items in better condition than what you have. Another option would be to visit a big box store that sells unfinished furniture and do the finishing yourself.

we also

Clean & Repair

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A well-maintained lawn and landscape can add up to 15 percent to the value of a house.

(At Main & Fagan, One Block East of Central Ave.)

â&#x2013;

There are over 400 National parks and sites in the U.S. For more information, visit www.us-national-parks.net

423.475.5222 â&#x20AC;˘ 917 East 16th St May

Living large in your living room again is possible, and you don't have to have the large budget of a home improvement show to achieve it. Some creativity and the willingness to try some fun do-it-yourself projects can go a long way toward making your tired old living room look and feel new again. (ARA)

home Service network Exclusive Members That Have Shown Exceptional Customer Service

Questions? CHAT with a Local Business Expert!

Building Materials & Home Décor

Indoor Air Professionals

SOUTHEASTERN SALVAGE (423) 892-5766 We specialize in high quality building materials

BOCCACCIA RISTORANTE ITALIANO (423)266-2930 Offering authentic Italian dishes in a rustic yet ro-

Member Since 05/11

Member Since 04/11

Coffee

and home décor at discount prices, featuring name brands, high-end closeouts and liquidations, ﬁrst run imports and eclectic décor items from around the world. A unique shopping experience where you can buy almost anything…ALMOST.

mantic atmosphere. Reservations recommended. Dinner Monday – Saturday. Indoor and outdoor seating available.

Flooring PERSIAN RUG COMPANY (423) 475-5222 Select from the traditional oriental design as well

Member Since 04/11

balanced energy, thermogenic fat burning, buffered caffeine, combats stress-related eating. Experience with a purpose.

as more modern area rugs. All rugs are 100% wool pile and hand made. Chattanooga’s only Persian Rug cleaning facility. We buy, repair and clean your rugs. Pick up and delivery available.

CHATTANOOGA HOME INSPECTIONS (423) 505-4699 Professional, qualiﬁed and inspected right

Member Since 04/11

Member Since 05/11

Event Planning

the ﬁrst time. I will give you my very best effort to ensure a thorough inspection. Call today to schedule an appointment!

Home Security

IMPROVE YOUR SERVE (423) 591-0567 A business that focuses on Strategies and

ADS SECURITY (423) 595-7564 Dedicated to going beyond your security

Member Since 04/11

Member Since 05/11

Organization for events in churches, non-proﬁt organizations and the market place. Events include meetings, weddings, receptions and other celebrations.

Member Since 04/11

barrier installed/insulation installation/damaged and leaking duct replacement or repair/HVAC system mildew and mold remediation

MID-SOUTH PRESERVATION (423) 227-7798 Serving the Chattanooga area.Total lawn care Member Since 04/11

with that extra touch to detail. Give us a call to give you an on-site estimate and schedule for your home’s needs.

Tile/Natural Stone

Home Inspections

LAKESHORE COVE (423) 645-9881 Ft. Oglethorpe, GA - City convenience while maintaining a secluded and secure environment. Prices starting at $100. per square foot. Many amenities. Call today!

DUCTZ (423) 876-9907 HVAC unit, furnace and air duct cleaning/vapor

Landscaping

BORESHA (423) 303-6520 An exotic coffee. Patented hunger control,

Custom Homes

Chattanooga, TN

Food

THE TILE STORE (423) 756-1354 We offer hundreds of selections of beautiful Member Since 04/11

imported tile, in an endless array of colors, patterns and textures. We are Chattanooga’s oldest fabricator and installer of natural stone, including granite.

WILKERSON TILE (423) 842-6464 Offering natural stone, glass, porcelain and Member Since 04/11

concerns. Be realistic, not a statistic. Call Sue today! Rates as low as $24.95/month.

ceramic tiles. Installation of ﬂooring, custom showers, back splashes and ﬁreplaces. Complete turn-key packages available. Free in home estimates.

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affordable advertising Lifeandhomes media ™

Print • online • radio • video Channel

Call Dawn

423-605-7706 • www.LifeandHomes.com 18

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3077 South Broad Street Chattanooga, TN 37408

Dinner Monday-Saturday Reservations Recommended

423 266-2930 To view our menu go to boccacciarestaurant.com

Enjoy May

a free pasta & dessert on your birthday!

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Must be actual day. ID required. Purchase of another entree required. No sharing. Please tip your server on amount before discount.

Chattanooga, TN â&#x2013;

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