Life and Homes Chattanooga Tennessee

Chattanooga, TN

Life and

Homes

Free

September

2011

Home Updates On A Budget

Exclusive Home Listings

Fall Garden 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

Well, it’s already September. The mornings are a bit cooler than they have

Corporate Editor Ki m L isi

been and I’m already noticing some color changes on the trees. The change of season is just around the corner. At our house, we have seen an abundance of

Kim@lifeandhomes.com

deer this year. It hasn’t been unusual to see a group of three or more coming

Contributing Writer Dr. D avid Banks

out of the woods and across our yard.

Dawn Phillips , RMC This is a great time of year to do a fall version of spring cleaning or work on an enjoyable outdoor space for the fall. Perhaps you’ve been thinking

Real Estate Marketing Consultant 423-605-7706 • dawn@lifeandhomes.com

about an outdoor barbeque area, a nice outdoor fireplace or pit. Also, take advantage of the nice temperatures and do something fun before the task of raking leaves overtakes this opportunity.

As we all remember, September 11 marks the 10-year anniversary of the assault on our nation. It was one of those events that everyone seems to remember where they were when they heard the news. Let it be a reminder to us all to continue to pray for our nation and for those who defend it.

As you browse through the magazine check out all the great real estate properties and be sure to check on-line as well at www.lifeandhomes.com. Also, please take advantage of the expertise our advertisers have to offer. I have gotten to know several of them personally and really appreciate their dedication to their profession.

As always, we wish you all well and thank you for making us a part of your LifeandHomes™.

Dawn Phillips

Chattanooga, TN Franchise

LAH1, LLC

Box #182 711 Signal Mountain Road Chattanooga, TN 37405

423-605-7706 Account Executive Dawn P hillips

dawn@lifeandhomes.com

RMC's (Real Estate Marketing Consultants) Charl es Phillips D awn P hillips Ch rist y see pe Distribution

423-605-3206

Advertising Deadline October Issue September 9, 2011 423-667-8046 Corporate Office LifeandHomes Franchise, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418

Chattanooga, TN

foras Lowas

For franchise information call, 1-800-961-0420

$15

The Most Affordable Way to Promote Your Listings

■

L i f e and H o m e s

www.LifeandHomes.com

Marke print /online

t AllYour Listin gs

Call 423-667-8046

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.

2

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 .

America's

Most Expensive

Home

Listed for a cool $175 million, The Jackson Land & Cattle property in Jackson Hole, Wyoming is America's most expensive home for sale.

The ranch hosts a 3 bedroom main residence, a 4 bedroom guest house, and a 52 stall equestrian center on 1,750 scenic acres. John Pierce, broker with Hall and Hall describes it as a unique place comprised of rolling hills, productive meadows, fishing ponds and tremendous views. (HallHall.com)

newsShorts Modern homes can benefit from a new range of contemporary door styles with a range of bright colors, metallic finishes and opaque glass. Even the classic raised panel garage door style offers new looks and finishes that add elegance.

GarageWowNow.com also includes details about the latest in garage door openers. If your opener was installed prior to 1993, you're missing out on some important safety features that provide protection from entrapment as well as battery backup, surge protectors to guard against voltage spikes or fingerprint-activated keyless entry pads (ARA) Join the Conversation: Go to www.Facebook.com/ pages/LifeandHomes-ChattanoogaTN to leave your thoughts on this and other articles.

Ultra Creative Garage Door Storage Replacement Offers High Payback A new garage door can add to the beauty of your home, while also providing a high level of payback - nearly 84 cents of every dollar spent on the replacement - when it's time to sell.

Storage space at a premium? You might want to consider this clever idea. Hidden in sturdy stairs, the drawers offer about two square feet of storage per stair, ideal for seasonal or hobby items.

(Source: Houselogic.com)

One in four homeowners say that at one time or another, they have attempted to reduce their property taxes by challenging the tax-assessed value of their homes.

And the majority who did so say that they were successful in lowering their tax bills, according to a nationwide survey by FindLaw.com.

As home values have declined as a result of the housing crisis, some homeowners feel that the tax-assessed value of their homes -- which is the basis for calculating their property taxes -- may not accurately reflect actual market conditions.

Homeowners may file an appeal or challenge with their local tax authority in hopes of reducing their assessments, and in turn, their property tax bills.

According to the FindLaw.com survey, 24 percent of homeowners say they have challenged their assessments at some point during their home ownership. When a challenge was filed, survey respondents said it was successful in lowering their property tax bills in approximately threequarters of those instances. Most often, the net reduction in their annual property tax bills was between 1 and 4 percent.

Free Internet resources, such as FindLaw.com's Real Estate Center (realestate.findlaw.com/taxeshome-ownership), can provide helpful information on how property taxes are determined and tips on how to challenge property tax valuation.)

Join the Conversation: Go to www.Facebook.com/ pages/LifeandHomes-ChattanoogaTN to leave your thoughts on this and other articles.

www.Life and Homes .com

3

L i f e and H o m e s

Property Taxes

â–

Visit GarageWowNow.com, a non-commercial home improvement website dedicated to garage doors and garage door openers. There you will find dozens of photos of the latest in new garage door styles. Those include carriage house doors one of the most popular styles on the market today.

Challenging

September

In addition to providing a great ROI, a stylish new garage door can add to the beauty of your home.

If you have a front-facing attached garage, a new door adds instant curb appeal.

Homeowners

newsShorts

What You How to Keep Should Know Your Water About Strategic Home Repairs Heater Healthy: Default For When Join the Conversation: Go to www.Facebook.com/ pages/LifeandHomes-ChattanoogaTN to leave your thoughts on this and other articles.

If you owe more on your home than its current market value, you may feel tempted to walk away from a bad investment, even if you can afford to make the monthly mortgage payment.

But global information services leader Experian says when considering strategic default, you should keep several factors in mind:

* Defaulting on your mortgage is the second most damaging thing you can do to your credit, even if you continue to pay your other bills. Only bankruptcy will affect your credit score more adversely than foreclosure. * Foreclosure remains on your credit report for seven years. During that time, securing other credit at reasonable terms and rates will be very difficult, if not impossible. * Potential employers are looking at credit reports.

In fact, 60 percent now check applicants’ credit reports, according to an article in the Washington Times. By impacting your credit, a strategic default may affect your ability to get a job.

Chattanooga, TN

* Last year, Fannie Mae, the government-controlled mortgage giant, said it would implement a policy to prohibit strategic defaulters from getting a new Fannie Mae backed mortgage for seven years from the date of foreclosure.

L i f e and H o m e s

■

* Finally, in some cases, the debt that foreclosure "erases" may be recorded as income, which means you will have to pay taxes on it.

To learn more about credit management, credit reports, credit scores and the factors that affect them, visit www.Experian.com. (ARA) 4

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 .

Kids Head Back to School

As your family heads back to school, take some time to complete a few simple home repairs. Doing your ”home”-work projects now will allow you to spend more time with your family and less time fixing, cleaning and repairing things this fall.

After a summer full of outdoor fun, it’s time to tidy the yard before winter comes. Clean and safely place any outdoor furniture in storage.

Once the furniture is put away, give your deck or patio a good power washing.

While you’re outside, check your driveway and patch any cracks or potholes that may have resulted from the summer heat.

Install a remote thermostat. With the kids back in school, your home may now be unoccupied for a large portion of the day. Lowering your thermostat while the family’s away can provide substantial cost savings. A programmable thermostat will allow you to create custom temperature settings for the hours you are home and away. Some models, like the AccuLink(TM) Remote Thermostat from American Standard Heating & Air Conditioning, allow you to set and control your home’s temperature remotely using most Web-enabled cellphones and computers. (ARA) Join the Conversation: Go to www.Facebook.com/ pages/LifeandHomes-ChattanoogaTN to leave your thoughts on this and other articles.

* Flush your water heater regularly to remove sediment, which hampers efficiency. * Insulate exposed hot-water pipes. * Wrap your older water heater with an insulating blanket to reduce heat loss. * Set your water heater at 120-140 degrees, or halfway between low and medium. * Check the anode rod every three years.

Join Us Weekly

Entertaining TV Show about Life and Home 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

Jill Hayes

TV & Video Channel

Ten Questions to Ask your Mortgage Officer When Applying for a Loan When buying a home, many homebuyers attempt to skip steps they feel are unimportant, which can lead to long term problems. You owe it to yourself to ask these ten simple questions: * What are the exact terms of my mortgage? – You will want to have everything spelled out for you before you sign the mortgage payments.

Have the officer run through the payment plan month by month, year by year. * What are the penalties for paying the mortgage off early? – You might find yourself in a better financial position later and want to pay off your mortgage. Find out there are fees for early payoff. * How much interest will I be paying now and in the future? – It's simple to find what your interest rate will be now and in the future for a fixed rate mortgage. For an adjustable rate mortgage, you will need to find out what the typical range for the interest rate will be.

* How much of each mortgage payment goes toward the principal and how much goes toward interest? – You will want the majority of each payment to go toward the principal because this will help to reduce your overall interest payments. * What are the closing costs for this process? – Be sure to ask about the closing costs and other fees you might incur along the way. * Can I qualify for a fixed rate mortgage? – If you would like to know exactly what your mortgage payment for each month is going to be, you'll want a fixed rate mortgage. Payments are higher but will not fluctuate with the future interest rate changes. * What is the required down payment? – Finding how much your down payment is will help you decide whether or not you qualify for a specific mortgage.

* How long is this going to take? – This information will allow you to determine how quickly you need to sell your home or to submit notice of ending your lease. * What documents do I need to get this process started? – This is a major financial transaction and the mortgage lender will want to see your financial records. Ask in advance about the papers you will need. * Is there anything I need to qualify for this loan? – This question should be asked before you even begin the mortgage application process. Find out what qualifications your loan will require in order to accept your application. © Grant Eckert is a writer for ShopRate.com, a leading provider of Mortgage Rates. www.

ShopRate.com (thePhantomWriters.com)

September ■

www.Life and Homes .com

5

L i f e and H o m e s

LifeandHomes.com Athens

Open Market Listing Service™ Chattanooga

$135,000

$185,000

County Road 663

8821 Kelso Lane

5 Bedrooms / 2.5 Baths

3 Bedrooms / 1.5 Baths

Owner • 423-746-9144

Sonja Millard • 423-364-7285 cell

Athens FSBO

Prudential RealtyCenter.com

owner • midge243@comcast.net

Realtor • smillard@realtycenter.com • 423-643-9300 Office

Visit www.LifeandHomes.com Type in Quick Search #113704

Chattanooga

Visit www.LifeandHomes.com Type in Quick Search #79087

Chickamauga

$72,500

$79,900

5618 Clemons Road

2757 W. Cove Road

2 Bedrooms / 1.0 Baths

3 Bedrooms / 2.0 Baths

Nate Durham • 423-834-2569 cell

Angela Fowler • 423-320-4620

Centurion Realty

Angela Fowler Real Estate, LLC

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Realtor • afowler@catt.com

Visit www.LifeandHomes.com Type in Quick Search #111779

Visit www.LifeandHomes.com Type in Quick Search #113700

Chattanooga

$149,900 6730 Hickory Manor Circle

Cleveland

2 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

Nate Durham • 423-834-2569 cell

Paul Avratin • 423-303-6520

Centurion Realty

Keller Williams-Cleveland

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Realtor • pavratin@kw.com • 423-303-1200 Office

Visit www.LifeandHomes.com Type in Quick Search #111780

Chattanooga

$124,400

138 SE Casteel Road

Visit www.LifeandHomes.com Type in Quick Search #79082

Cleveland

$405,000

$92,742

903 Cumberland Road

117 Crawford Lane SE

5 Bedrooms / 4.5 Baths

3 Bedrooms / 1.0 Baths

Nate Durham • 423-834-2569 cell

Paul Avratin • 423-303-6520

Centurion Realty

Keller Williams-Cleveland

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Realtor • pavratin@kw.com • 423-303-1200 Office

Visit www.LifeandHomes.com Type in Quick Search #111777

Chattanooga

Visit www.LifeandHomes.com Type in Quick Search #71695

Chattanooga Dalton

$375,000

$190,000 $199,000

89 S. Crest Road.

8821 3839 Kelso Cleveland lane hwy

5 Bedrooms / 4.5 Baths

33Bedrooms Bedrooms//1.5 2.0Baths Baths

Nate Durham • 423-834-2569 cell

Sonja Sandra Millard Battles • 423-643-9300 • 423-313-2788

Centurion Realty

Prudential The JamesRealtyCenter.com Company

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Realtor Realtor ••smillard@realtycenter.com sandybattles@comcast.net • 423-499-9999

Visit www.LifeandHomes.com Type in Quick Search #105868

Visit Visitwww.LifeandHomes.com www.LifeandHomes.com Type Typein inQuick QuickSearch Search##79087 65713

Chattanooga, TN

Low Mortgage Rates - Synovus Mortgage Corp.

423-643-8889

QUALITY LIGHTING CENTER

L i f e and H o m e s

■

design quality at reasonable prices

backed by 130 store Nationwide buying power

6

larger selections

featuring many exclusive brands you wonʼt find anywhere else

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 .

By nature, weʼre different. Fresh in selection.

Blooming with designer ideas. Exceptional in expert assistance so you achieve lasting perfection with the ideal arrangement of light.

Itʼs what makes us so unique.

Itʼs how we see the light.

LIGHTING ONE CONNECTION great prices

inspired.

lighting design experts

by LIGHTING ONE

6231 Lee Hwy. Suite 101, Chattanooga, TN. 37421 (423) 894-5996 • www.QualityLightingCenter.com

Smart Bath Updates on a Budget

The housing market has many homeowners embracing the "don't move, improve" mentality with small improvements and smart upgrades to increase a home's style, comfort and functionality.

One room always topping renovation wish lists: The bathroom - especially master baths and high-traffic powder rooms, as homeowners are interested in introducing the latest design elements into these spaces. Whether you're planning for a few small upgrades or a major overhaul, these tips can help you transform your bathroom into a serene space that's full of style and function.

Add style, save water Installing a new faucet is an easy way to add to the space's aesthetic and to conserve water.

According to the EPA, faucets account for 15 percent of indoor home water use - that's more than 1 trillion gallons of water in the U.S. each year. Selecting a WaterSense-certified faucet from a reputable faucet manufacturer, such as Kohler, reduces water flow by 30 percent or more without sacrificing performance. Learn more at www.epa.gov/watersense.

Increase storage Clutter not only detracts from a bathroom's look, it also hinders functionality during the

morning and evening routines. If your home was built or upgraded 20 or more years ago, chances are it has a medicine cabinet for extra bathroom storage. Homeowners may be inclined to remove the cabinet completely and hang a huge mirror in its place, but the Robern R3 Series Mirrored Cabinets provide a DIY and budgetfriendly upgrade. Installing R3 is fast and easy. A 1-inch flange around the cabinet's perimeter covers the wall's raw edges and imperfections left behind from the previous installation, which eliminates the need for retiling or re-plastering.

Available in seven sizes, the R3 series has cantilever shelves for a custom-built appearance, as well as three mirrored surfaces - the outside, inside the door and the interior of the cabinet. A slow-close feature also comes standard, which prevents the door from slamming shut.

Lighten up Lighting makes a huge difference in a room's mood and ambiance. And when it comes to tasks in front of the mirror, such as shaving or makeup application, proper lighting is even

more important. If the space doesn't get much natural sunlight, select natural daylight bulbs to enhance skin tone. Combining the right light sources is equally important. Combat the shadows overhead lighting can cast on the face by installing wall sconces on each side of the mirror to diffuse light evenly and provide better illumination.

Install new flooring Replacing worn carpet with tile or laminate floors not only provides a new look to complement the rest of the upgrades, but it can also adjust the environment via temperature and texture.

Tiles help to make floors cooler in summertime, while wood enhances the visual warmth of the room.

Bathroom upgrades continue to hold their worth in return on investment while also providing a serene relaxation spot for homeowners to enjoy for several years. Even small enhancements and smart fixes can make a huge difference - no huge expense or major demolition necessary. (ARA)

Burglary, Fire, Carbon Monoxide, Water Level, & Temperature Detection Specialist

(P) 423.505.4699 (F) 423.710.2963 roychattkid@comcast.net

8201 Briarstone Lane, Ooltewah, TN 37363 State Lic. #985

Monitor your home or business remotely via your computer or mobile phone for as little as .33 cents a day!

“We protect what you treasure most.”

Sue Owens

Sales Consultant-Chattanooga, N Georgia, S Middle TN 423.595.7564 sowens@adssecurity.com • www.adsalarms.com

www.Life and Homes .com

7

L i f e and H o m e s

Roy A. Potter

• Check-in on kids, elderly parents, pets and employees.

• Remotely turn on or off your security system and lights.

• Look-in live or view stored video from your computer or mobile phone.

• Get real-time event notifications delivered via email or text message.

• Bypass security on a door for unscheduled maintenance or service.

• Up-to-the-minute information so you can quickly decide what action to take.

■

Inspect Before You Invest

September

Stay Connected with ADS Aniware

L i f e and H o m e s

■

Chattanooga, TN

Make Your First Home Purchase Dream a Reality

Residential • Commercial • Industrial

Call today for your FREE Estimate! 423-876-9907 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 .

• HVAC System Mold Remediation • HVAC Systems Smoke/Water/Rodent Damage Remediation • Furnace and A/C Unit Cleaning • Duct Cleaning/Duct Repair • Dryer Vent Cleaning and Instillation • Vapor Barriers Installed T.I.A.Q. Inc. is the parent company of Ductbusters now called Ductz, a local Independently Owned & Operated Company by the Thompson Family. Serving Southeast Tennessee and Northwest Georgia since 1997.

TN Lic#000144120CMC-C, GA Lic# CN209484 Conditioned Air Contractor Class, II

Buying a home is more than numbers, dollars and cents. The pride of owning your own home is an incredible feeling, providing a place for you and your family to come together and build memories.

solution that's right for you, and make the experience as straightforward and hassle-free as possible. Your lender's commitment to you shouldn't end with the closing of your loan."

For many, getting through the process of buying a home can be daunting, if not downright frightening. Talk to anyone considering buying a home for the first time, and many will say the same thing: "There's so much information - I don't know where to start or where to turn for answers. It's overwhelming."

Some things to consider when selecting a mortgage lender: Will I be supported from application to closing - and beyond? Are there application fees? How quickly will I have a decision on my application? What type of mortgage should I choose? Does my mortgage provider service their own loans, or can they be sold to another institution later? Does my mortgage provider have a strong customer service focus, so I can ensure my needs are being met? The answers to these questions will help you forge the right partnership with the right mortgage lender.

With all the potential pitfalls out there, it's key to arm yourself with the right tools to help you navigate the intricacies of the home buying process.

Getting the right information and help along the way will make this milestone purchase easier and hassle-free.

Knowledge is Power While partnering with a real estate agent and knowledgeable mortgage lender will go a long way towards home buying success, empowering yourself is also important. You are not alone, but you're also your own best advocate.

Learn about the neighborhoods where you might want to live, and think about your day-to-day lifestyle when deciding what area - and type of home - is right for you. Take a home buyer education course - they're often free and will help prepare you for the home buying process.

The U.S. Department of Housing (www.hud. gov), NeighborWorks America (www.nw.org), and the National Foundation for Credit Counseling (www.nfcc.org) are all great resources for further

windsorholiday.com windsorparadise.com

There's nothing to fear about buying your first home if you're an educated consumer who finds the right real estate and mortgage team to help you make your dreams come true. So get out there and find your dream home! (ARA)

Find a Financial Partner, Not Just Mortgage Rates Like buying a home, choosing a mortgage provider is about more than terms and rates - it's about finding a company that has the knowledge to help you succeed.

"Find a lender who is also your financial partner," says Mike Copley, executive vice president, retail lending at TD Bank. "Your mortgage advisor should work with you to find the borrowing

Altogether Now Organizing

C a t e r i n g • Ta k e - o u t • D i n i n g

*Attics*Basements*Garages*Kitchens*Baths*Any Room*

Cyndi Brown

(423) 331-2007

David & Karen Loveless, chefs/co-owners

info@altogethernoworganizing.com

118 Cross St, Chattanooga, TN 37405

License # 042251

(423) 634-0772 • www.bigtable.net

www.AltogetherNowOrganizing.com

Tues-Thurs 11:00-8:00, Fri, Sat. 11:00-9:00

www.Life and Homes .com

9

L i f e and H o m e s

423.653.4583

Partnering with a real estate agent can help make the process of buying your first home more efficient and hassle-free. A real estate professional will help you assess your needs and wants in a home, and then utilize that information to narrow the field of available homes in your price range to a manageable pool. Well-versed in the local area, a real estate professional can help ensure you're getting a better price, will negotiate on your behalf, and can protect your rights as a homebuyer. Your agent also may be able to make mortgage lender recommendations.

■

Rent Direct from Owner 3 bed/2 bath luxury condo Minutes from Disney World!

Real-ing and Dealing

September

Disney Vacation Rental

education on buying a home. Or you can check with your bank - some, like TD Bank, offer sites that provide one-stop shop info on buying your first home.

Taking Odor Out of Painting Projects

Homeowners can scratch off one more concern from their Combined with sensible steps to reduce odors and speed list when tackling a painting project: Nearly every paint drying, painting today doesn't have to be the stinky business manufacturer now offers no-odor or low-odor alternatives. your parents experienced.

Home improvement expert Gordon Blickle notes that painting is a growing trend in decorating.

"In today's market, homeowners are staying in their homes longer and redecorating more," he says. When decorating, homeowners want simple, low cost, but dramatic home improvements to renew and personalize their space. As a result, Blickle notes, "changing and upgrading room colors has become one of the hottest decor trends."

But with all this decorating, exposure to chemical fumes has opened the door for a new wave of smart paints, caulks and spackling that please the nose as well as the eye.

Decorating with a clean conscience

Chattanooga, TN

Traditional paints create chemical fumes that can harmfully affect people - and the environment.

Chemical fumes can affect the earth's ozone layer and increase hazards to those with breathing problems. Eliminating these fumes to protect air quality is a hot-button issue for lawmakers.

Local, state and federal laws now limit chemicals that affect air quality, and legislators have helped reduce volatile chemicals in paints and coatings dramatically in the past decade.

In most paints, caulks and spackling, the drying process means chemicals like ammonia and mineral spirits evaporate into the air. They can irritate many people and even prove dangerous for small children and people with asthma and chronic respiratory conditions.

Many popular water-based paints and caulks emit these odors, produced by volatile organic compounds (VOCs), chemicals that are now limited and in some areas, virtually eliminated.

While not completely odorless, new zero-VOC water-based latex paints have extremely low odor. Coupled with Smart zero-VOC primers, caulks and spackling, painters and homeowners now have the ability to create a complete zeroVOC painting project.

6852 Middle Valley Rd Hixson, Tennessee 37343

(423) 843-3603

Time of day can make a difference too. "Since most of us want to close up our homes at night," Blickle adds, "painting in the morning will give you the longest time for drying paint to air out."

Clean up right away ... with water

Air it out and start early When beginning a painting project, open windows and doors for proper air flow. Create crossventilation by opening doors and windows outside the room. While that may mean spreading the fumes throughout the home, good ventilation means that odors will be gone faster. Add fans

The removal of VOCs and odors from paints, caulks and other painting necessities creates a healthier and more pleasant way to decorate.

Painting projects have never smelled so sweet.

(ARA)

Hours of Operation Mon - Fri 6:30am - 6:30pm Sat 9:00am - 3:00pm 15% Off Regular Prices When You Mention This Ad

Daily Specials

and a dehumidifier for even faster drying and reduced fumes. Keep doors and windows open during the entire drying process.

A final way to lower fumes and odor is to seal containers immediately and clean up painting tools right away. Most brushes, roller covers and other painting tools are reusable, saving you money and keeping them out of landfills. The longer they air-dry, the more paint fumes escape into the air your family breathes. If you clean them immediately, you can use water; waiting means either using smelly mineral spirits, or throwing them away.

Middle Valley Dry Cleaners

■

L i f e and H o m e s

Choose healthier, zero-VOC products

Pant Day: Monday $3.50 Laundered Shirt Day: Thursday $1.70

Hurricane Creek Dry Cleaners 8644 E. Brainard Rd Ste B1 Chattanooga, Tennessee, 37421

(423) 893-0355

Hours of Operation Mon - Fri 6:30am - 6:30pm Sat 9:00am - 3:00pm 15% Off Regular Prices When You Mention This Ad

Daily Specials

Pant Day: Wednesday $3.50 Laundered Shirt Day: Tuesday $1.70

Your Neighborhood Dry Cleaners • Family Owned & Operated for 14 Years • Quality You Can Afford 10

We b r 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 .

Open Market Listing Service™

LifeandHomes.com

Dayton

$149,000 Waterfront/Chickamauga (Dayton)

Hixson

5.66 Acres - 1100 ft. Waterfront

3 Bedrooms / 2.5 Baths

Owner • 423-339-1892

Joe Williams • 423-892-4292

Rhea FSBO

Owner • leeannlowe@charter.net

$235,900

3001 Stage Run Williams & Williams Realty Services Broker/Owner • joev@williamsrealtyservices.com • 423-284-2150 Cell

Visit www.LifeandHomes.com Type in Quick Search #113706

Decatur

Visit www.LifeandHomes.com Type in Quick Search #78736

$59,621

Ooltewah

Goodfield Landing

$455,000 8231 Rambling Rose Drive

Beautiful Lake View Lot / .77 acres

5 Bedrooms / 5.5 Baths

Owner • 770-205-1954

Angela Fowler • 423-320-4620

Meigs FSBO

Decatur FSBO • melzow75@comcast.net

Angela Fowler Real Estate, LLC Realtor • afowler@catt.com

Visit www.LifeandHomes.com Type in Quick Search #113707

Visit www.LifeandHomes.com Type in Quick Search #113699

Georgetown

$159,900 408 NW Georgetown Road

Ooltewah

4 Bedrooms / 3.0 Baths

5 Bedrooms / 4.5 Baths

Nate Durham • 423-834-2569 cell

Nate Durham • 423-834-2569 cell

Centurion Realty

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Visit www.LifeandHomes.com Type in Quick Search #111778

Hixson

$464,900 7885 Hampton Cove Drive Centurion Realty

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Visit www.LifeandHomes.com Type in Quick Search #105869

$185,000

Red Bank

$169,000

Dallas Oaks Lane

2213 Dayton Blvd

3 Bedrooms / 2.0 Baths

2 Bed / 3 Bath - Commercial or Residential

Drew • 433-667-8326

Andy Vincent • 423-488-0972

FSBO

Red Bank. FSBO

Owner • dreweldridge@msn.com

Red Bank FSBO • vicki_vincent2002@yahoo.com

Visit www.LifeandHomes.com Type in Quick Search #114304

Hixson

Visit www.LifeandHomes.com Type in Quick Search #105875

$154,000

Red Bank

1324 Highland Road

1929 Dayton Blvd

3 Bedrooms / 2.0 Baths

2 Bedrooms / 1.0 Baths

Owner • 423-877-7274

Mark Kersey • 423-755-8830

Hixson FSBO

Fletcher Bright Realty

Owner • sgskelton@bellsouth.net

Realtor • mkersey714@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #114016

Visit www.LifeandHomes.com Type in Quick Search #74626

September

Timeless Elegance

$89,900

■

Nathan “Nate” Durham natedurham@comcast.net

Office: 423-698-4555 621-D Black Street Cell: 423-834-2569

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

Chattanooga, Tennessee

(423) 756-1354

Office: 423-698-4555 Cell: 423-834-2569 500 Notre Dame, Chattanooga, TN 37412 centurionrealestate.net

www.Life and Homes .com

11

L i f e and H o m e s

Principal Broker

More Than 20/20 Vision

By Dr. David Banks

When was the last time you had an eye exam?

Most eye care experts recommend that you have a complete eye exam every one to three years, depending on your age, risk factors and whether you currently wear corrective lenses.

We all know the perfect eye sight is 20/20 Vision.

Most of us are far sighted or near sighted.

As an expert in Leadership Development, I have come to realize that there is something better than 20/20 Vision. This type of vision as I call it is: "Possible Vision". You see 20/20 Vision only allows you to see what is, but Possible Vision, PV, allows you to see what can be possible.

Let me illustrate to clarify my point. Imagine that I have an apple seed in my hand and I ask

you to tell me what you see. Your response would be that you see an apple seed. Now, if I ask you to see the seed with "Possible Vision", you may tell me that you see an apple orchard, apple sauce, or baskets of apples, etc. I think you get the point. So, what is the difference?

20/20 Vision can only see what is present, but “Possible Vision” gives you the opportunity to see what is possible or what the present can become.

How does one develop Possible Vision? Here are three principles:

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

1. Insight-discern the power of the “seed” 2. Imagination-dare to dream and create 3. Intentional-believe until you see

Chattanooga, TN

“Great Service Starts with a Clear Vision”

■

L i f e and H o m e s

It is very important to protect your sight by getting an eye exam. I believe it is even more important to protect your vision by utilizing the power within you to see what can become.

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

12

We b r 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 .

CELL: 423-834-1259

Open Market Listing Service™ Red Bank

LifeandHomes.com Rossville

$210,000

$50,500

21 Mabry Place

243 Greenslake Road

4 Bedrooms / 3.0 Baths

2 Bedrooms / 1.0 Baths

For Sale By Owner • 423-505-8978

Nate Durham • 423-834-2569 cell

Hamilton Co.

Centurion Realty

FSBO • vrhealth@gmail.com

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Visit www.LifeandHomes.com Type in Quick Search #105872

Ringgold

Visit www.LifeandHomes.com Type in Quick Search #111781

Tellico Plains

127 Hillhouse Lane

$146,500

$160,000 Reagan Valley Rd./Fairview Rd.

2 Bedrooms / 2.0 Baths

Building Lot

Angela Fowler • 423-320-4620

Paul Avratin • 423-303-6520

Angela Fowler Real Estate, LLC

Keller Williams-Cleveland

Realtor • afowler@catt.com

Realtor • pavratin@kw.com • 423-303-1200 Office

Visit www.LifeandHomes.com Type in Quick Search #78738

Ringgold

Visit www.LifeandHomes.com Type in Quick Search #71694

Trenton

$224,900

27 Justin Lane

102 Roberta Lane

4 Bedrooms / 3.0 Baths

6.5 Acres / Bluff Property

Angela Fowler • 423-320-4620

Matthew • 423-463-6285

Angela Fowler Real Estate, LLC

Trenton FSBO

Realtor • afowler@catt.com

Owner • matthewseepe@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #78737

Rossville

$99,000

Visit www.LifeandHomes.com Type in Quick Search #113705

Whitwell

$89,900

$249,900

957 Skyline Drive

801 Dempsey Rd

3 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

Angela Fowler • 423-320-4620

Mark Kersey • 423-755-8830

Angela Fowler Real Estate, LLC

Fletcher Bright Realty

Realtor • afowler@catt.com

Realtor • mkersey714@gmail.com

Visit www.LifeandHomes.com Type in Quick Search #113701

Rossville

Visit www.LifeandHomes.com Type in Quick Search #52823

Chattanooga

$92,500

$72,500

959 Skyline Drive

5618 Clemons Road

3 Bedrooms / 3.0 Baths

2 Bedrooms / 1.0 Baths

Angela Fowler • 423-320-4620

Nate Durham • 423-834-2569 cell

Angela Fowler Real Estate, LLC

Centurion Realty

Realtor • afowler@catt.com

Broker/Owner • natedurham@comcast.net • 423-698-4555 Office

Visit www.LifeandHomes.com Type in Quick Search #113702

www.on-site2u.com

We Guarantee NO Shrinkage or Damage

• Our process disinfects, deep cleans, and deodorizes your room furnishings, not to mention it prolongs the life of these furnishings.

Our formulas are “Green” helping to protect the environment

• Our system is endorsed by Hunter Douglas window treatments.

• Mention this ad and receive 20% OFF!

• Drapery Cleaning • Window Treatments • Upholstery • Mattress Cleaning • Oriental Rugs • Of�ice Cubicles • Hotel Room Furnishings • Church Pews

www.Life and Homes .com

13

L i f e and H o m e s

• Our system rids your room furnishings of airborne allergens, dust mites, common cold and �lu viruses and just plain dirt.

423-902-1856

“Never Take Down Your Drapes Again!”

■

Drapery & Upholstery Cleaning, LLC

Call for a free quote or demo

September

ON-SITE

Visit www.LifeandHomes.com Type in Quick Search #111779

Play It Cool

In Your Fall Garden

If you think the end of summer means your vegetable gardening days are done, you'll need to reconsider.

The weeks when summer fades into fall are actually an opportune time to plant cool-weather crops. Fall is a great time of year for planting vegetables.

Some of nature's most nutritious greens and veggies thrive in cooler temperatures. Planting them now, at summer's end, can ensure a bountiful fall harvest. Plus you'll save a bundle by avoiding the produce aisle in your grocery store for a few more months.

L i f e and H o m e s

â–

Chattanooga, TN

The sunny, cooler weather of autumn is perfect for many vegetables. With increased rainfall and temperatures ranging between 60 and 80 degrees in the day and higher than 40 at night, your plants suffer less, increasing your likelihood of good harvest. You can even cope with frost; some hardy vegetables can thrive without frost protection, and covering less resistant plants when frost threatens can keep them thriving.

The secrets of successful fall planting don't differ much from the techniques you've used during high season. Cool crops will need at least six hours of sun daily, ample water and a steady supply of much-needed nutrients. You can get a jump-start by planting transplants. Seed germination of cool crops during late summer requires much attention to detail. Transplants are a quicker, easier route to ensure success.

Bonnie Plants, the largest producer of vegetables and herbs in North America, offers some quick tips for picking the right plants for your fall garden: * Choose fast-growing, leafy cool crops like broccoli, Swiss chard, lettuce, kale, spinach, collards and arugula. Leafy vegetables are actually 14

We b r 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 .

harder to grow in the summer, when the heat can cause them to "bolt," forming flowers and seeds. Bolting leaves edible portions tasting bitter.

You could choose to plant two rounds of these vegetables, in spring and again in late summer. * Don't delay. Ideally, you should plant your fall crops before the end of August, although if you miss that window, it doesn't mean you can't still have a successful fall harvest. It just might take more time and ingenuity. * Pick a place. Your existing garden is the perfect place to plant cool weather crops. Remember, frost flows downhill like water, so spots at the top of a slope or in south-facing locations will remain warmest. * You can also plant your fall crops in raised beds, which are easy to cover when frost threatens, or in pots that can be brought inside when temperatures dip too low. * Know how they grow. Pay close attention to "days to maturity" information listed on plant tags. You'll want to give plants enough time to produce before killing frost arrives. * Good gardening practices will get your fall garden growing. Loosen soil before you plant and mix in some all-natural fertilizer, like Bonnie Plants Herb and Vegetable Plant Food. Made from soybean oilseed extract, this food contains 150,000 nutritional and vital organic compounds

including vitamins, minerals, amino acids, proteins, enzymes, plant hormones and carbohydrates, it's an excellent source of nutrition in home gardens.

Consider these popular plants from Bonnie: Packman Broccoli - This hardy vegetable develops best during the cool season. It matures in 45 to 55 days and has large, bright green, mildly flavored domed heads. Plant transplants 18 inches apart in rows 30 inches apart.

Top Bunch Collards - This hybrid is heavy yielding, early maturing, and more uniform than traditional varieties. The leaves are upright, broad, and a beautiful, waxy, deep green. These collards grow best in full sun, but will tolerate partial shade. Like all collards, they are rich in vitamins and sweetened by frost. Space transplants 36 inches apart in rows 36 inches apart.

Spinach - A cool-weather vegetable related to beets and Swiss chard, Bonnie's Spinach is a fast-growing plant. It yields many leaves in a short time in fall. Although it prefers full sun, spinach is one of the few vegetables that produce a respectable harvest in partial shade.

With some advanced planning, active attention, and the right choice of plants, you can continue to enjoy your garden and fresh, flavorful produce, long after the dog days of summer are done. To learn more about cool season varieties and helpful hints on getting your garden growing, visit www.bonnieplants.com. (ARA)

September â–

www.Life and Homes .com

15

L i f e and H o m e s

Protect Your House, Health And Comfort While building tight, energy-efficient homes is generally necessary, there can be unintended consequences.

Such homes can experience interior moisture buildup, resulting in uncomfortable living conditions, homeowner health issues and, in extreme cases, significant structural damage.

Industry experts say the result is a need to consider home moisture control. According to Building Science Corporation, a leading expert on high-performance home building techniques, “Most air-conditioning equipment will not have the capability of removing the moisture load without overcooling the space—a condition likely to result in other problems. Supplemental dehumidification can complement the capability of the air-conditioning system to remove moisture from air within the conditioned space.”

Many people think that high moisture occurs only during warm weather, but the most critical

times of the year to address humidity issues are spring and fall, when temperatures are moderate and outdoor humidity levels are high.

High humidity levels can affect your comfort by causing you to feel either hot and sticky or cold and clammy, while also contributing to bad odors in the house. They can also be bad for wood floors, furniture, artwork, electronics and even the overall structure of the home.

and energy efficient. The company’s full line of ventilating dehumidifiers addresses interior moisture issues as well as fresh air ventilation needs in a single, high-efficiency system.

Maintaining proper humidity levels and providing controlled fresh air are also important steps in protecting your health. Poor indoor air quality can cause eye irritation, allergies, headaches and respiratory problems such as asthma.

Installed by HVAC professionals to work in conjunction with the air-conditioning system, the units can provide comfort and good indoor air quality. The units are designed to provide effective moisture control, fresh air ventilation and high-efficiency air filtration to the entire home. Every Ultra-Aire whole-house ventilating dehumidifier meets or exceeds the ENERGY STAR program efficiency standards and high-efficiency MERV-11 filters are standard on every unit to remove most airborne allergens.

To help, a leading brand of whole-house ventilating dehumidifiers offers a solution that is both effective

For more information on protecting your comfort, health and home, visit www.UltraAireDehumidifiers.com or call (800) 533-7533. (NAPSI)

here are some of the many places you’ll find Lifeandhomes™ magazine!

L i f e and H o m e s

■

Chattanooga, TN

Access Pharmacy Advanced Foot Care Centers Advanced Surgical Concepts Alliance Physical Therapy Ankar’s Hoagies Anne’s nails Arthritis Associates Audi Chattanooga BB&T Beacon Health Benchmark Physical Therapy Big Table Blackwell Automotive Inc. Boccaccia ristorante Italiano California massage Co. Capital Toyota Center Barber Shop Century21 Professional Group Charles mcBrayer, DDS Chattanooga Allergy Clinic Chattanooga Imaging - Hixson Chattanooga volvo Chick-Fil-A Chris Family Chiropractic Citizens Tri-County Bank Clayton Homes Cohutta Banking Company Compassionate Health Care Cookies By Design

16

Cornerstone Community Bank Creative Concepts Crown Chrysler Dodge Jeep ram Dr. William matthews Dunlap restaurant el meson mexican restaurant electric Beach Tanning Salon express Oil Change Fantastic Sams Farley’s Ace Hardware Farm Bureau Insurance Formosa restaurant Frederick H. Thompson, DDS Friends & Co. Fusion Tanning Studios Galen medical Group C.O. Galen north Pediatrics Gateway Title Gentry Chevrolet Pontiac Buick GI4Kids-Galen medical Group Glamour nails & Waxing Goodyear Auto Service Goodyear express Tire Granicrete of Chattanooga Granite expo Great Clips Groome Transportation Hair Benders International Hair Trends/Ultimate Tan

We b r 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 .

Hamilton Title Insurance Agency Healthy Tan & Spa Heartland realty & Auction Co. Heavenly Styles Hunt nissan Hutcheson Family Care Hwy 58 Dental Center Jay Food market Kelly Auto Group Kia of Chattanooga Land rover of Chattanooga Lee nails Lexus of Chattanooga LifeBalance massage Therapy Lillie-mae’s Long Hyundai Long mercedes-Benz Lookout valley Dental Lumber Liquidators market Street Tavern marshall mize Ford mcDonalds memorial Home Health midas Auto Service mountain Inn & Suites mtn. view Chevrolet mtn. view nissan mtn. view Ford murmaid mattress Outlet

new China Buffet & Grill north Park eye Center north Park Hospital marketing northwest Georgia Bank nTB Panera Bread Parkridge east Pediatric Diagnostic Associates Pep Boys Physician’s Care Plaza north Laundry Precision Tune Auto Care Professional nails Pye Acura Quality Lighting Center Quick Lane Tire & Auto Center raceway re/max Southern Properties regions Bank rib & Loin Sears Auto Center Sequatchie Co. & Dunlap Chamber of Commerce Sequoyah Lawn equipment Shabo Dental Center Shire Facial Plastic Surgery Shirley’s Style Center Shoney’s SIAG

Signal mtn. Athletic Club Smart Homes Southern Hearth & Patio Sport Clips Star nails Starbucks State Farm - Jimmy Garren State Farm - Kerry Smith Stephen Gregory Salon Stone Source Sun Catchers Suntan City Super 8 - Kimball Tanglz 2 Toez Tennessee Imaging & vein Center Tennessee valley Pain management The Front Porch restaurant The Kennedy Clinic The rush Fitness Center Thomas e. Blockley, DDS Tire World Top nails UT-erlanger Women’s Health Specialists valvoline Instant Oil Change village vW of Chattanooga vision masters Williams & Williams realty Services Wolftever Dental

No Matter How Small a Job, Every Customer is Our Priority!

Let us remodel your kitchen or bathroom.

Full remodel packages. Drywall. Cabinets.

Wilkerson Tile Co. Specializing in Residential Tile and Labor Packages

www.ChattanoogaTile.net 7335B Hixson Pike, Hixson, TN

423-842-6464

HERITAGE LAWN CARE

September â–

Full Service Lawn Care Chattanooga/N. Georgia www.Heritagelawncare.net

www.Life and Homes .com

17

L i f e and H o m e s

(423) 227-7798

ask the Expert Questions? LIVE CHAT with a Local Business Expert!

Go to www.LifeandHomes.com, select your category and click on Live Chat.

Event Planning

Indoor Air Professionals

Organization

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

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

ALTOGETHER NOW ORGANIZING (423) 331-2007 We can bring order and clarity to your home.

Member Since 04/11

Member Since 04/11

Member Since 08/11

Food

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

BOCCACCIA RISTORANTE ITALIANO (423)266-2930 Offering authentic Italian dishes in a rustic yet roMember Since 04/11

CHATTANOOGA HOME INSPECTIONS (423) 505-4699 Professional, qualified and inspected right Member Since 05/11

the first time. I will give you my very best effort to ensure a thorough inspection.

Call today to schedule an appointment!

Home Security ADS SECURITY (423) 595-7564 Dedicated to going beyond your security Member Since 05/11

concerns. Be realistic, not a statistic.

Call Sue today! Rates as low as $24.95/month.

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

PURE PEST MANAGEMENT (423) 316-2726 Pure Pest is a family owned business commit-

KERRY SMITH • STATE FARM (423) 870-1809 Every day people ask themselves,“How much Member Since 09/11

Member Since 09/11

homeowner’s insurance do I need?” The answer varies depending on each individual need. Contact State Farm agent, Kerry Smith, to customize your insurance needs.

HERB’S YARD BARNS (423) 503-3741 Quality wood storage buildings built locally and Member Since 07/11

HERITAGE LAWN CARE (423) 227-7798 Serving the Chattanooga/N. Georgia area.Total lawn care with that extra touch to detail. Give us a call to give you an on-site estimate and schedule for your home’s needs.

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

QUALITY LIGHTING CENTER (423) 894-5996 Large selection, great prices and lighting design experts make up the ideal combination for all your lighting needs. Visit us today and be truly inspired.

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

Chattanooga, TN

built to last. Delivery and set up included. Sizes from 8x8 and up. Models available for viewing.

A long-lasting, affordable storage solution.

Tile/Natural Stone

Lighting Member Since 08/11

ted to providing effective and environmentally conscious pest control services.

Portable Storage Buildings

Landscaping Member Since 04/11

From closets to garages. Estimates are free, call us to begin your transformation and simplify your life! License #042251

Pest Control Services

Insurance

mantic atmosphere. Reservations recommended.

Dinner Monday – Saturday. Indoor and outdoor seating available.

Home Inspections

ceramic tiles. Installation of flooring, custom showers, back splashes and fireplaces.

Complete turn-key packages available. Free in home estimates.

affordable advertising

■

L i f e and H o m e s

live ChaT

Lifeandhomes media ™

Print • Online • radio • video Channel

Call Christy

423-667-8046 • www.LifeandHomes.com 18

We b r 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 .

3077 South Broad Street Chattanooga, TN 37408

Dinner Monday-Saturday Reservations Recommended

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

Enjoy September

a free pasta & dessert on your birthday!

â–

www.Life and Homes .com

19

L i f e and H o m e s

Must be actual day. ID required. Purchase of another entree required. No sharing.

Please tip your server on amount before discount.

LONG-TERM FINANCING FOR COMMERCIAL PROPERTIES We help companies find financing at or lower rates than what is available in the marketplace. We provide consulting services for commercial properties regarding issues of finance, development, acquisition, construction, renovation and refinancing.

Chattanooga, TN

E X P E R I E N C E YO U

OV E R

2 5 Y E A R S

I N T H E

I N D U S T RY

COMMERCIAL LENDING CONSULTANTS ASSISTING WITH:

■

L i f e and H o m e s

E X P E C T, W I T H

• Construction Financing

• Permanent Financing

• Hospitals

• Hotels

• Retirement Centers

• Multi-Family Units

• Resorts

• Shopping Centers

• Student Housing

423.605.3206 OR EMAIL CHARLES@LIFEANDHOMES.COM 20

We b r 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 .