Life and Homes Chattanooga Tennessee

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August

2011

Home Inspection

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Life and

Homes

Welcome to LifeandHomes

Chattanooga, TN Edition Published By LAH1, LLC

™

Publication Franchisor David P. L isi

It’s hard to believe it’s already August but here we are! We hope everyone

Corporate Editor Ki m L isi

has been enjoying the summer weather, had time to indulge in something

Kim@lifeandhomes.com

enjoyable and hopefully are having a safe and memorable summer.

Contributing Writer Dr. D avid Banks

Summertime cookouts make for good times and memories. Whether you use the tried-and-true charcoal grill or the latest-and-greatest gas grill with

Dawn Phillips , RMC

infrared technology, there is still plenty of time to enjoy those great summer Real Estate Marketing Consultant

423-605-7706 • dawn@lifeandhomes.com

meals cooked on the grill.

By the time some of you read this, school will be back in session in the Tennessee Valley and before you know it fall will be here.

Chattanooga, TN Franchise

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Box #182 711 Signal Mountain Road Chattanooga, TN 37405

423-605-7706 Account Executive Dawn P hillips

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Inside you’ll find some great real estate properties. Please visit our website at www.lifeandhomes.com to get more details on any of the listings plus many more.

Also, please be sure to check out our advertisers. They are professionals in their field and are more than willing to provide you with the expertise you need. Please let them know you saw their ad in LifeandHomes™.

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

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Advertising Deadline September Issue August 12, 2011 423-605-3206 Corporate Office LifeandHomes Franchise, Inc. PO Box 18 Holland Patent, NY 13354

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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.

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What Does A Mortgage Cover?

Most mortgages consist of 4 parts:

newsShorts Here are some tips from the moving experts at Penske truck rental (www.PenskeTruckRental. com) for helping your children adapt to a new place, along with some practical moving advice for families: * Open a line of honest communication. It can be hard to tell your kids that they’ll be moving, but making sure that they know they can talk about how they’re feeling about the move is important.

Principal: the repayment of the amount you actually borrowed Interest: payment to the lender for the money you’ve borrowed Homeowner's insurance: a monthly amount, required by most lenders to insure the property owner against loss from fire, smoke, theft, and other hazards Property taxes: the annual city/county taxes assessed on your property, divided by the number of mortgage payments you make in a year.

* Help them say goodbye. Organize a goingaway party for your children and their friends, and work with the parents of their friends to gather contact information so they can keep in touch after you move.

Most loans are for 30 years, although 15-year loans are available, too. During the life of the loan, you’ll pay far more in interest than you will in principal — sometimes two or three times more! Because of the way loans are structured, in the first years you’ll be paying mostly interest in your monthly payments. In the final years, you’ll be paying mostly principal. (Ginniemae.gov)

For more helpful moving tips, visit www.pensketruckrental.com. (ARA)

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

* Pack a first-day box. Have each child pack a box of things that they will want the first day you move into your new home, like favorite toys, books or stuffed animals. Have the movers pack these boxes last so they are the first thing that is unloaded when you arrive.

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

$ave On Solvents

If you’re struggling to pay your bills, or if you’ve been hit with an unexpected major expense, it’s critical to act quickly to avoid bankruptcy, according to FindLaw.com, the nation’s leading online source of legal information. Here are some tips from FindLaw.com on what you can do to avoid bankruptcy: * Pay off existing debt as quickly as possible so you can get to a place where you can live within your means. Cut non-essentials such as cable, landline phone service and other subscriptions. * Take a part-time job to raise additional cash or find a new full-time job that offers a higher salary and/or better benefits than your current job. * Realize that going into debt is a choice, not a necessity. Instead of taking out student loans to pay for college, you can work while going to school or save enough before enrolling to pay for a semester of tuition. You could rent instead of buying a home and take public transportation instead of leasing or financing a car. (ARA) 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

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More Americans than ever, including those in the middle class, are experiencing financial hardship, with many living paycheck to paycheck. An estimated 1.5 million Americans declared bankruptcy in 2010, up 9 percent from 2009.

■

When adults decide to move, it’s often to pursue an exciting opportunity or discover a new place. But for children, moving can be much harder to understand, as often they’ve only known one place as home.

Save time, money and our planet, by recycling.

Pour the solvent into a jar, and after soaking brushes clean, let it sit for a day or two. The paint will settle into a sludge at the bottom, and the remaining thinner on the top will be clear. Carefully pour it off into a second jar, seal, and save for use at another time. Save the sludge jar also, adding to it until it's full. Then take it to hazardouswaste disposal site. Never pour paint or solvents down the drain. (Onthehouse.com)

Moving Easier on Your Kids

Tips to Pay Down Debt and Avoid Bankruptcy

August

How to Make

Next time you paint, don't throw solvents away. Using them only once is a waste.

After cleaning paint brushes and tools with paint thinner and mineral spirits, don't get rid of the solvent.

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

References Please

Thinking of hiring help to complete some of those lingering jobs around the house? Before you sign any agreements, talk with some of the remodeler’s former customers. They can help you decide if a particular contractor is right for you.

You may want to ask: • Can I visit your home to see the completed job?

• Were you satisfied with the project?

• Was it completed on time?

• Did the contractor keep you informed about the status of the project, and any problems along the way?

• Were there unexpected costs? If so, what were they?

• Did workers show up on time? Did they clean up after finishing the job?

• Would you recommend the contractor?

• Would you use the contractor again? (FTC.gov) Join the Conversation: Go to www.Facebook.com/ pages/LifeandHomes-ChattanoogaTN to leave your thoughts on this and other articles.

Chattanooga, TN

Use Color To Revamp The Look Of Your Home

L i f e and H o m e s

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Choosing a new look for your home can be a liberating, rejuvenating change that will pay off in the future.

By choosing the right color, you can express yourself, freshen up an old look and increase the value of your home.

According to a recent Cost vs. Value Report conducted by Hanley Wood, LLC, an exterior 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 .

newsShorts makeover such as installing fiber cement siding can be a great investment, returning more than 83 percent of the project cost upon resale.

Here are several tips to help you increase the value of your home while boosting curb appeal: • Go Green. Color choice can affect the energy efficiency of your home. Darker colors absorb the sun and therefore warm the home, while lighter colors reflect the sun's rays, keeping the home cooler. This is an important consideration depending on the amount of sunlight your home is exposed to on an average day.

• Get Back to Nature. Look to your natural surroundings for inspiration. For example, in a wooded area, vivid greens and browns can help blend the style of a home with its environment.

In an urban setting, bright, eye-catching colors can help to offset the sometimes drab hues associated with city living.

• Go Back in History. If your home is from a certain historical period, play off that history.

Find old pictures of your house or neighborhood to use a historically accurate color scheme.

Try to select shades that were used at the time your home was built. This will add character and a certain amount of authenticity to your own little historical treasure.

• Visualize the Finished Product. The ColorView free online tool at www.certainteed.com lets homeowners picture their home complete with new color. You can even mix and match colors of roofing, siding, trim, rail and deck to choose the perfect style and look.

• Make a Lasting Impression. The darker the hue, the more likely it is to fade over time, especially with homes exposed to direct sunlight.

CertainTeed's Monogram vinyl siding offers consistent quality and variety with over 40 colors and wood-tone blends.

and strength that preside over wood in virtually every surrounding. From aged bark and charcoal black to weathered wood and chestnut, the shingles are available in a wide array of dynamic color options and textures to match your home's unique style.

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

Residents in Bill Gate's house wear a pin containing a microchip which acts as their ID. When they walk into a room, lighting, sound, and temp controls are customized for them. Any high resolution display they walk by automatically displays their favorite art work, thanks to the microchip pin.

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Hosted by

• Look Up. The roof accounts for roughly 40 percent of the exterior appearance of the home, so it's important to consider roofing shingles. CertainTeed's Presidential Shake Shingles deliver the charm and character of hand-split wood shakes with the durability

Jill Hayes

TV & Video Channel

mortgageCorner

Smart And Safe Questions When Mortgage Shopping The bargains to be found in today’s buyer’s market are inspiring a new interest in getting the best home mortgage.

Although people often live with their mortgage decision for 30 years, research shows that Americans spend more time considering a car purchase than evaluating a home mortgage.

Taking time to prepare, and asking the right questions of your lender, can help you make a financially prudent decision. Here are some questions to consider:

payment? A minimum down payment of 3 to 5 percent is generally required. If you put less than 20 percent down, government or private mortgage insurance may be needed. Private mortgage insurance can help you own a home sooner, and can generally be canceled when you reach 20 percent equity.

can informally qualify you for a loan by obtaining basic information on your income, debts and credit. Prequalifying means you can estimate how much you can borrow and make a realistic buying decision.

• What is the interest rate and is it fixed? Shop around among several lenders to ensure the best rate. Be clear about whether the rate is fixed or adjustable. A rate lock protects you if interest rates rise while the loan is being processed.

• Does my credit score matter? It’s a good idea to review your credit report and clear up any old debts or inaccuracies before meeting with a lender. This may improve your score, which could improve the interest rate your lender offers.

Keep in mind that the changes can take time to clear as well as reflect on the revised report.

• How much can I afford? By entering income, debt and down payment information, home affordability calculators can help estimate how much home you can afford and what your monthly payments need to be. Be sure to consider monthly expenses such as association fees, utilities and property taxes.

• Will my loan have any type of borrower assistance program or job loss protection?

Mortgage insurance companies, such as Genworth Financial, offer no-cost borrower assistance programs and job loss protection that provides some peace of mind when you purchase a home.

• What documents do I need to apply for a loan? The process is easier if you bring full documentation of personal finances, assets, employment history, current loan amounts and payments, credit card account numbers and income tax returns.

• How much should I consider for a down

• Should I get prequalified? Yes. Your lender

For more information, visit www.SmarterMI.com. (NAPSI)

August ■

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LifeandHomes.com

Open Market Listing Service™

Chattanooga

$155,000 Missionary Ridge - 3 Units

Cleveland

5 Bedrooms / 3.0 Baths

3 Bedrooms / 1.0 Baths

$99,995

117 Crawford Lane SE

For Sale By Owner Owner • 423-902-9733

Keller Williams-Cleveland

Paul Avratin • 423-303-6520

M.Ridge FSBO

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

Visit www.LifeandHomes.com Type in Quick Search #106029

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

Chattanooga

Dalton

$99,900

$199,000

7724 Holiday Hills Circle

3839 Cleveland Hwy

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

Nate Durham • 423-834-2569 cell

Sandra Battles • 423-313-2788

Centurion Realty

The James Company

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

Realtor • sandybattles@comcast.net

Visit www.LifeandHomes.com Type in Quick Search #72183

Visit www.LifeandHomes.com Type in Quick Search #65713

Mark Kersey • 423-755-8830

Chattanooga

Dunlap

$399,000

3597 Lewis Chapel Rd

5 Bedrooms / 4.5 Baths

3 Bedrooms / 2.5 Baths

Nate Durham • 423-834-2569 cell

Phyllis Welch • 423-593-2775 cell

Centurion Realty

Re/Max Southern Properties

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

Realtor • phylliswelch@remax.net • 423-949-4466 Office

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

Visit www.LifeandHomes.com Type in Quick Search #53063

Cleveland

Dunlap

$12,995

18 Blue Sewanee Rd

Building Lot

3 Bedrooms / 2.5 Baths

Paul Avratin • 423-303-6520

Phyllis Welch • 423-593-2775 cell

Re/Max Southern Properties

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

Realtor • phylliswelch@remax.net • 423-949-4466 Office

Visit www.LifeandHomes.com Type in Quick Search #106019

Cleveland

Visit www.LifeandHomes.com Type in Quick Search #53094

Graysville

$124,900

$239,900

138 Se Casteel Road

143 Palmer Lake Rd

3 Bedrooms / 2.0 Baths

4 Bedrooms / 3.5 Baths

Paul Avratin • 423-303-6520

Phyllis Welch • 423-593-2775 cell

Keller Williams-Cleveland

Re/Max Southern Properties

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

Realtor • phylliswelch@remax.net • 423-949-4466 Office

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

Chattanooga, TN

$164,900

2905 Archer Ln Keller Williams-Cleveland

Mr. Log Homes

Visit www.LifeandHomes.com Type in Quick Search #70659

Effective & Affordable Advertising

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$167,000

89 S. Crest Road

Nathan “Nate” Durham Principal Broker

natedurham@comcast.net

Print • Online • Radio • TV & Video

Ronnie Kennedy

423-837-5974 • www.mrloghomes.net

Build the Home of Your Dreams!

6

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Office: 423-698-4555 Cell: 423-834-2569 423-667-8046 Christy@LifeandHomes.com

media

“Trust in the Lord with all your Heart.” Prov. 3:5

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

Three Next-Generation

Kitchen Technologies to Watch

When new technology makes its way into home design, often it portal for innovation, and many of the technologies that we now enters through the kitchen. The heart of the home is also the use throughout our homes were first applied in the kitchen.

Kitchen innovation has come a long way since the exciting days when the rotary hand-mixer replaced the whisk and liberated a generation of homemakers from the labor of beating batter by hand. Here are some new trends and technologies to watch:

mural can be repositioned anywhere in the kitchen and can be reused hundreds of times without losing its adhering qualities. Murals for kitchens can even by customized. Just submit your photo through the website and the company creates a custom mural using your artwork.

Removable, reusable wallpaper

Wireless power

While wallpaper has been gracing American kitchens for generations, those who have shied away from using it there have had good reasons.

Applying wallpaper to an entire kitchen wall is a big design commitment. The labor of cutting around cabinets, cupboards, windows and doors means most homeowners would only tackle wallpapering a kitchen just once. Or, they may have really played it safe by restricting their wallpaper activities to adding a border.

And, even "washable" wallpaper had to stay on the walls, where it would, over time, get splattered and stained.

Electricity is a current and currents require a cord to deliver power from the source to whatever is being powered - right? Not anymore. The emergence of wireless power is replacing traditional cords with electromagnetic fields.

While the science behind wireless power is truly leading-edge stuff, the technology itself has some very down-to-earth, practical applications in the kitchen.

A new product, SmartStick by MuralsYourWay. com, makes it easy to add wall designs anywhere you want in your kitchen. The moisture-resistant

Hands-free fun While the kitchen is one of our favorite rooms in the house, it can also be a breeding ground for bacteria. Virtually every hand that enters a home makes its way to the kitchen, where touching common surfaces like faucets, light switches and even paper towel holders can spread germs. And when you're cooking, crosscontamination is always a concern.

Convenient and healthful, touch-free technology can help reduce the spread of germs by eliminating the need to actually touch common surfaces.

The technology is already being used in kitchen faucets and lighting. One company has even created a paper towel dispenser using the technology. Watch for innovative designers to find more ways to apply this useful technology throughout the kitchen.

How many times have you had to move cords out of your way when working with a small appliance in your kitchen? Cords are inconvenient at least and dangerous at worst if they get wet or damaged.

Designers and engineers are working on adapting wireless technology for kitchen appliances so you can run a blender without ever having to plug it in.

Kitchen design continues to be a launching pad for exciting new technologies. And, today's "innovative" kitchen technology will probably appear routine to future generations. (ARA)

We Protect What You Treasure Most

8201 Briarstone Lane, Ooltewah, TN 37363 Lic. #041171

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

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

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Roy A. Potter

August

- 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%

Packing Supplies

You'll Need for

Relocation

By Ric G Rialto

Are you moving out of your house and transferring to a new location? If this is your first time to relocate, then you need to carefully plan everything so your move out will be as smooth as possible.

Chattanooga, TN

Among the crucial elements that you should take into consideration are the packing supplies.

Why? Because these materials will secure all your belongings while you are on the road and in the process of transferring them to your new home. This article will provide you with a list of

Altogether Now Organizing

L i f e and H o m e s

â–

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

Cyndi Brown

the most common and important packing supplies that you should not go without.

Moving Boxes You need moving boxes in order to store the household items that you want to bring into

Timeless Elegance

(423) 331-2007 info@altogethernoworganizing.com

License # 042251 www.AltogetherNowOrganizing.com 8

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

621-D Black Street Chattanooga, Tennessee

(423) 756-1354

your new home. Moving boxes are made out of wood pulp, and they are corrugated because of the cellulose material found in wood. There are different sizes of boxes that you can use for relocating: small boxes that measure 16x10x10, medium boxes that measure 18"x14"x12", large

boxes that measure 20"x20"x15", extra-large boxes that measure 23"x23"x16", wardrobe boxes that measure 24"x24"x40", kitchen moving boxes that measure 18"x18"x22", file moving boxes that measure 16"x12.5"x10", and frame moving boxes that measure 41"x6"x26.5"

Tape and Dispenser You must ensure that the packing tape you will be using is strong and flexible - use one that is specifically designed for moving and packing.

One bundle of packing tape can provide you with 55 yards worth of tape. Purchase as many as you need, depending on the number of boxes or home furnishings that you need to pack. You can also opt to include a tape dispenser as this will make your taping easier.

Protective and Stretch Wrap A protective wrap is used for protecting house items that are breakable, such as glasses, mirrors, vases, and family heirlooms. They are usually

perforated with medium size bubbles that serve as a protective layer. A typical protective wrap measures 12 inches wide by 80 feet long.

A typical roll of stretch wrap measures 5 inches by 1000 feet. You can make use of this to as a protective cover for your dressers, table, sofas, and other household items.

Packing Paper Fragile items can be covered with packing paper.

This packing material can also be used for filling in spaces inside your moving boxes. You can make use of newspaper as a substitute, but the ink on newspaper can leave marks on your precious china ware, glassware, and family heirlooms especially when you are relocating during a warm weather. Packing paper roughly measures 24 inches by 36 inches and are made of virgin paper.

other large items from the moving truck's dirt and grime with mattress covers. They are made from polyethylene material so you can be sure that you get the protection that you need. Sizes range from 60"x11"x92" and 52"x9"x85".

Moving Blankets and Pads There will always be large and bulky furniture that would not fit in any box - and this can be solved by using moving blankets. A good moving blanket is made out of strong and woven fabric.

On the other hand, you can also make use of moving pads that serve as protection to your furniture from dents and scratches.

A big factor in the success of your move is the quality of the supplies and boxes you use. Get premium quality packing supplies from MovingDayBoxes.com at affordable prices.

(Ezinearticles.com)

Mattress Covers Protect your mattresses, box spring beds, and

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

Let us remodel your kitchen or bathroom.

August

Full remodel packages. Drywall. Cabinets.

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The Cost of

Buying a Home

by Nancy Niblett

When you are looking for a home to purchase there are a few things that many people forget to consider. These things could become unknown costs to the buyer if they do not remember to keep them in mind.

When looking for a home you might find that a brand new home appeals to you for many reasons.

First of all the model itself will be highly upgraded and cost a lot more than the base price of the home. When upgrading the home you will find a significant difference in price from where you started to where you ended up after choosing things at the builders design center.

Chattanooga, TN

Other costs that you need to consider whether it is a new home or one that is built are things like window treatments. If there are none and you want something like wood shutters that will run thousands of dollars after you close on the home. Landscaping the back or front yard will also cost a significant amount of money. How about a swimming pool? What it will cost you to put in compared to what you would be paying

On the other hand, buying a pre-owned home means you will also get a home that you will find there are small or large issues to be repaired right away or down the line sooner than you likely would with a new home. You may still need to add your own personal touches to a pre-owned home which will have some costs after you move in.

QUALITY LIGHTING CENTER

design quality at reasonable prices

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L i f e and H o m e s

if the home already has a swimming pool is a large difference. A home will not go up in value more than about half of what it cost to put the pool in yourself so in essence you are paying half the price for a swimming pool. Do not forget about the little things like ceiling fans or paint and additional walkways in the yard, these things also add up to be a good amount of out of pocket expenses.

backed by 130 store Nationwide buying power

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larger selections

featuring many exclusive brands you wonʼt find anywhere else

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Keeping track of the potential costs to both buying a new home or a pre-owned home will help you stay on budget and still get the home you desire.

Nancy Niblett is a highly successful Real Estate Agent specializing in the Chandler area. She credits her success to hard work, integrity and honesty. Clients continue to refer her over and over again. Nancy is one of the most successful award-winning agents and currently with West USA Revelation.

She was awarded the top 50 Individual agent award by Phoenix Business Journal for the past several years and continues to grow her business.Find your next home in Val Vista Lakes, Gilbert, AZ at Val Vista Lakes Luxury Property or in Tempe, AZ at Tempe AZ Pool Real Estate (Ezinearticles.com)

inspired.

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

Make sure you consider the homeowners association fees, the time and money it will take to travel to work if you choose a home a bit further than originally expected. Does the home have newer or upgraded energy efficient air conditioners or water heaters and windows?

lighting design experts

by LIGHTING ONE

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

Open Market Listing Service™ Graysville

LifeandHomes.com

$93,900

Pikeville

$149,900

137 Hicks Ln

718 Dewind Rd

3 Bedrooms / 2.0 Baths

3 Bedrooms / 3.0 Baths

Phyllis Welch • 423-593-2775 cell

Phyllis Welch • 423-593-2775 cell

Re/Max Southern Properties Realtor • phylliswelch@remax.net • 423-949-4466 Office

Re/Max Southern Properties Realtor • phylliswelch@remax.net • 423-949-4466 Office

Visit www.LifeandHomes.com Type in Quick Search #79020

Visit www.LifeandHomes.com Type in Quick Search #53069

Graysville

$169,000 685 Green Road - Spectacular View

Red Bank

1 Bedrooms / 1.5 Baths

2 Bedrooms / 3.0 Baths - Com. or Res.

Andy Vincent • 423-488-0972

Andy Vincent • 423-488-0972

For Sale By Owner FSBO • vicki_vincent2002@yahoo.com

Visit www.LifeandHomes.com Type in Quick Search #105874

$169,000

2213 Dayton Blvd For Sale By Owner FSBO • vicki_vincent2002@yahoo.com

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

Harrison

$50,000

Red Bank

$89,900

5665 Willowpoint Ln

1929 Dayton Blvd

Building Lot

2 Bedrooms / 1.0 Baths - Com. or Res.

Amy Kafka-Martin • 423-802-0349 cell

Mark Kersey • 423-755-8830

Centurion Realty

Realtor • amk-82@hotmail.com • 423-698-4555 Office

Visit www.LifeandHomes.com Type in Quick Search #106026

Hixson

Fletcher Bright Realty Realtor • mkersey714@gmail.com

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

$235,900

Red Bank

3001 Stage Run

$210,000 21 Mabry Place - Updated Kitchen

3 Bedrooms / 2.5 Baths

4 Bedrooms / 3.0 Baths

Joe Williams • 423-892-4292

Owner • 423-505-8978

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

For Sale By Owner FSBO • vrhealth@gmail.com

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

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

Ooltewah

$464,900 7885 Hampton Cove Drive

Ringgold

5 Bedrooms / 4.5 Baths

4 Bedrooms / 3.0 Baths

Nate Durham • 423-834-2569 cell

Angela Fowler • 423-320-4620

Centurion Realty

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

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

Luxury Condo Rentals

Buying, Selling or Fixing Your Home?

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500 Notre Dame, Chattanooga, TN 37412 centurionrealestate.net

Realtor • afowler@catt.com

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

August

Centurion Realty, Inc.

Office: 423-698-4555 Cell: 423-802-0349

Angela Fowler Real Estate, LLC

Call Paul to do it ALL!

Amy Kafka Martin AMK-82@Hotmail.com

$229,900

27 Justin Lane

Get Out of the Nest

By Dr. David Banks

I have always been fascinated with the bald eagles. Their behavioral characteristics mirror human development. One of the behaviors that I appreciate is how the mother eagle cares for her young babies and prepares them for their future.

The mother eagle consistently nurtures and monitors the growth and development of her young babies.

Then when the mother eagle recognizes that her young eagles are ready to transition from the comfortable nest to face the harsh real world she makes some interesting changes. She moves in and around the nest and takes out all the comfortable cushion from the nest, thus leaving the young eagles to try to rest on thorny pricks and needles.

The young eagles become very annoyed with their uncomfortable nest. Their situation forces them to move from being immature, dependent eagles to becoming mature and independent.

This process causes them to utilize other awesome qualities; their well defined eyesight for hunting and their ability to sore.

The eagles behavior should force us to evaluate our lives. Are we too comfortable in our lives?

Are we preventing ourselves from releasing great qualities by staying too comfortable? When we become too comfortable, we learn to live with "thorns". These "thorns" come in forms of: Problems - a situation that has not been properly dealt with.

When we move out of the nest, we will realize awesome qualities that we did not know we had.

When we step out of the realm of comfort, we step into the realm of the possibilities and impossibilities.

Crisis -a situation that has been consistently ignored.

Being tolerated and not celebrated -where people are no longer valuing us.

If we observe any of these "thorns" in our life, it is probably an indicator that it is time to "move out of the nest". We, too, like the eagles were created to have keen eyesight and the ability to sore above problems and crisis. Though we must all face and endure hardships, we were not created

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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to get “comfortable” in these places, but to progress and mature.

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

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CELL: 423-834-1259

Open Market Listing Service™ Ringgold

LifeandHomes.com

$146,500

South Pittsburg

127 Hillhouse Lane

$125,000 Ladds Cove Martin Springs Road

2 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths / 12 Acres

Angela Fowler • 423-320-4620

Ronnie Kennedy • 423-762-1014

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

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

Signal Mountain

For Sale By Owner FSBO • rladd@mrloghomes.net

Visit www.LifeandHomes.com Type in Quick Search #106021

$629,900

Tellico Plains

2927 Corral Rd

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

5 Bedrooms / 3.5 Baths

Building Lot

Phyllis Welch • 423-593-2775 cell

Paul Avratin • 423-303-6520

Re/Max Southern Properties Realtor • phylliswelch@remax.net • 423-949-4466 Office

Visit www.LifeandHomes.com Type in Quick Search #53078

Soddy Daisy

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

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

$259,900

Varnell

$173,700

108 Windy Hollow Rd

11 Durham St

3 Bedrooms / 2.5 Baths

3 Bedrooms / 2.5 Baths

Phyllis Welch • 423-593-2775 cell

Amy Kafka-Martin • 423-802-0349 cell

Re/Max Southern Properties Realtor • phylliswelch@remax.net • 423-949-4466 Office

Centurion Realty

Realtor • amk-82@hotmail.com • 423-698-4555 Office

Visit www.LifeandHomes.com Type in Quick Search #58050

Visit www.LifeandHomes.com Type in Quick Search #106025

Soddy Daisy

$419,000 1495 Jay's Court - Barrington Pointe

Varnell

4 Bedrooms / 2.5 Baths

3 Bedrooms / 2.0 Baths

Bob Covington • 423-505-1940

Amy Kafka-Martin • 423-802-0349 cell

For Sale By Owner FSBO • bob@bobcovington.net

Visit www.LifeandHomes.com Type in Quick Search #106028

South Pittsburg

$139,000

9 Durham St Centurion Realty

Realtor • amk-82@hotmail.com • 423-698-4555 Office

Visit www.LifeandHomes.com Type in Quick Search #106024

$189,500

Whitwell

$249,900

9891 Ladds Cove Road

801 Dempsey Rd

2 Bedrooms / 2.0 Baths - Includes Furnishings

3 Bedrooms / 2.0 Baths

Ronnie Kennedy • 423-762-1014

Mark Kersey • 423-755-8830

For Sale By Owner FSBO • rladd@mrloghomes.net

Fletcher Bright Realty Realtor • mkersey714@gmail.com

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

South Pittsburg

$400,000 Ladds Cove Road Exit 143

Ooltewah

Office & Warehouse - 15 Acres / Will Divide

5 Bedrooms / 4.5 Baths

Ronnie Kennedy • 423-762-1014

Nate Durham • 423-834-2569 cell

August

Visit www.LifeandHomes.com Type in Quick Search #106020

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

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

www.Life and Homes .com

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L i f e and H o m e s

FSBO • rladd@mrloghomes.net

Visit www.LifeandHomes.com Type in Quick Search #106027

Centurion Realty

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For Sale By Owner

$464,900 7885 Hampton Cove Drive

Secrets of a Solid

L i f e and H o m e s

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Chattanooga, TN

Home Inspection

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• 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.

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Selling, buying or just putting a house on the market may raise many questions. Can I get a good price?

Are there any problems I should fix prior to listing my house? If I buy this house, will I encounter problems that may make me regret my decision?

The sale price of a house depends on many factors, including the market, location, size of the property, age of the house, condition of the structure, what appliances might be included in the sale and even how nicely the property and building were landscaped and decorated - just to name a few.

Having a qualified professional inspect your house prior to putting it on the market - or for prospective buyers, before closing on a sale - can help guide your decision. But many homeowners and prospective buyers are unsure what's included in a standard home inspection, according to the American Society of Home Inspectors (ASHI). A qualified home inspector will review these aspects of a property:

during the selling/buying of a house. Sellers use inspections to help determine potential problems that can be repaired or replaced prior to listing - potentially getting them a higher sale price. And buyers use the inspections to determine if they want to invest in the property, or help negotiate for a better price that would include the repair and replacement of potential problems.

* Septic system * Electrical wiring and plumbing that is not readily accessible (for example, behind drywall or plaster) * Water conditioning or softening system * Swimming pool * Backyard fences * Lawn irrigation system * Household appliances * Compliance with local codes * Appraisal to determine market value

Not all home inspectors are certified and licensed.

ASHI's "Find an Inspector" tool allows homeowners to locate an inspector in their area. Always check with your local inspector for a complete list of services provided.

Before hiring a home inspector, inquire about what is covered in the inspection and ask to see a sample report. Although some inspectors provide ancillary services, it may be necessary to consult a specialist for concerns that extend beyond a standard inspection. Often your inspector will help you make this determination.

"It's important for homeowners to do their homework before hiring an inspector," says Kurt Salomon, ASHI president. "Look for a home inspector certified through the ASHI Certified Inspector Program, which is the only home inspection association program approved by the National Commission for Certifying Agencies."

Hiring a certified home inspector and having questions answered before putting your house up for sale - or before finalizing a purchase price - can not only help save money, but also allow you to go through the process with more peace of mind. (ARA)

The following elements are not included in a standard home inspection:

* Roof, attic and visible insulation * Foundation, basement and structural components * Walls, ceilings and floors * Heating and central air conditioning systems * Windows and doors * Water fixtures and faucets * Decks Nearly two out of three homeowners recently surveyed by ASHI reported they saved a lot of money as a result of having a home inspection

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Easy Ways To Add Value To Your Home For Under $1,000

Whether preparing a home for sale or simply personalizing your abode, upgrading your space can add up.

Kitchens and bathrooms are often the first areas prospective homeowners and houseguests notice, so updating these rooms can reap the greatest reward. Luckily, new products on the market can help homeowners update their home without investing an exorbitant amount of cash or time, making it possible to revamp these essential rooms for under $1,000.

• Instead of buying new cabinets, purchasing new cabinet doors and drawer fronts and swapping out old cabinet hardware can save thousands of dollars while giving your kitchen a sleek, finished look.

• Consider tiling your countertop instead of installing more costly granite or stone for a budgetfriendly update.

• For both your kitchen and bathroom, swapping out the faucets with newer models can create a more modern look.

• It’s a bright idea to replace harsh fluorescent lighting with softer, modern sconces and pendants for a simple but effective upgrade.

• Installing a kitchen backsplash using a DIYfriendly product such as Bondera TileMatSet—a double-sided, pressure-sensitive adhesive on a roll that eliminates the need for mortar and mastic—will help you easily create a professionallooking design while staying on budget.

• Using the same adhesive, you can add decorative tile to give your bathroom a spa-like touch. Bondera repels water and is mold resistant. Using plain subway tiles and adding an accent border with decorative tiles can save on supply costs. (NAPSI)

• Repaint. A new color on walls or ceilings can change the feel of an entire room. Warm dark colors can make a space feel cozier, while light and bright ones help open up a room.

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

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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

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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

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August

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

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

Home Security

Organization

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

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

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

Member Since 04/11

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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

concerns. Be realistic, not a statistic.

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

mantic atmosphere. Reservations recommended.

Dinner Monday – Saturday. Indoor and outdoor seating available.

Member Since 04/11

Portable Storage Buildings HERB’S YARD BARNS (423) 503-3741 Quality wood storage buildings built locally and

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

Member Since 07/11

Landscaping

Home Inspections 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!

Chattanooga, TN

THE TILE STORE (423) 756-1354 We offer hundreds of selections of beautiful

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.

Member Since 04/11

Lighting

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

QUALITY LIGHTING CENTER (423) 894-5996 Large selection, great prices and lighting Member Since 08/11

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

A long-lasting, affordable storage solution.

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HERITAGE LAWN CARE (423) 227-7798 Serving the Chattanooga/N. Georgia area.Total Member Since 04/11

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

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423-667-8046 • 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

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a free pasta & dessert on your birthday!

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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.

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