East Tennessee's Mountain Views

East Tennessee's Mountain Views

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P.O. Box 209

Vonore, TN 37885

865-657-3077

Why Hire an Interior Designer?

Tuesday, January 3rd, 2023 | Uncategorized | No Comments

By Sandy Kozar – Owner – Decorating Den Kozar Design Team

That is a great question, and I am glad you asked! To put it simply, hiring a professional interior designer allows clients peace of mind by bringing their aesthetics and needs together in a way that is convenient, curated, and fun.

There are many misconceptions about what an interior designer does. Many assume that the role of a designer is just to make a room pretty, and while that is a part of it, working with an interior designer has many more benefits than that.

“They made the process of furnishing several rooms painless. Everything came together and was installed right on time, and I absolutely love coming home. So thankful for their hard work!” – Laura, Knoxville

Experienced and Trained – With a combined 25 years of experience and degrees in interior design, as well as being Decorating Den Certified Designers, we have the experience and training to make rooms functional and aesthetically pleasing. Oftentimes we do this by creating a different layout, changing the traffic flow, and/or using the proper amount and scale of furniture. We also coordinate fabrics, furniture, flooring, window treatments, artwork, lighting, wallpaper, and wall color together using the elements and principals of design. We aim to create visual interest, along with adding comfort and style. Is there enough variety and texture? Does the space need more lighting? Will additional seating be needed?  Do the window treatments need to provide sun protection or privacy? Would the room need to be easily cleanable for children and pets? These are all some of the many questions we ask when pulling together a design.

Uniquely Curated – We also make sure that each design matches the lifestyle preferences and functional needs of each client. We do this by in-depth interviews during our complimentary consultation with homeowners. This allows us to create and implement a personalized design plan that’s unique for each client. We listen to the emotions they wish their home had, the quality the room should have, and needs of each client. We then sculpt their ideas into their customized design. From the thousands of design options available to us, we narrow the scope of options to a perfectly curated two or three design options for their home, making sure that it fits all of their requirements and desires. Since all of the options we present will be perfect for the finished room, clients can easily choose their favorites.  We save you the stress and wasted time going through solutions that would not work or endless shopping at retail locations trying to bring it all together.

“I have been working with Sandy and Rachael since September of 2019 and they have done a wonderful job. They truly put the customer needs first, and I can trust that every detail is a well thought out process, things that the non-decorator in me would have never thought of.  I would recommend them to anyone looking for a decorator.” – Judy, Lenoir City

Not sure what your style is? That’s okay! Many of our clients can’t really say what their design style is, but they can often say what isn’t! During the first phone call, as well as during the complimentary consultation, we ask lots of questions and go through an in-depth lifestyle form to narrow down and target your needs and wants, as well as what your style is. We listen closely to what you are saying and take many notes that we continue to review throughout the design process. If there are pieces in the room that will be staying, we will take the style of those pieces into consideration for design as well.

Set Your Investment – Oftentimes when homeowners are furnishing their home by themselves, it is done piece by piece over long periods of time. After it is all said and done, they might be surprised how much they have spent on their room. When we work with clients, we design within an investment range. Once the investment is set, this also lets us determine which of our vendors (from good, better, best, and luxury lines) to design the project with. We can work room by room, entire homes, or bits at a time, but the project will be within an agreed upon investment range. Not sure what things cost at the moment? That’s okay, during our complimentary consultations we walk through what items typically cost, and work with our clients to find an investment range that they and we feel comfortable with. When clients give us an investment amount, we are respectful of that.

Keep What You Love – We happily incorporate family heirlooms, collections, and cherished mementos in our designs – we have even built designs around such pieces. Pieces like this give a home character and help make it uniquely your home. We’d never tell you to get rid of something that you love.

When we have clients bringing pieces from one home to a new one, there’s many times the puzzle pieces just don’t fit the way they did in their home before. We often find that rugs are one of the hardest things to place. The large open floor plans of today need much larger rugs than the sectioned off spaces of older homes, and vice versa. When working together with our clients, we look at all of the pieces to see how they best fit together in the new space, often in ways the client would never have expected.

Avoiding Costly Mistakes – One of the best benefits to hiring a designer is that we save homeowners costly mistakes, as well as the hassle of returning or repairing those mistakes. By using our photo realistic 3D renderings, scaled sketches, physical fabric, wood, and rug swatches we are able to show each client exactly how their new room will look. We analyze all of the pros and cons of each option. Our clients can feel confident their new room will be exactly as we envisioned it for them!

Professional Results – Another benefit of hiring professionals – you get professional results. We help clients from the beginning of their project to the end and beyond. Some of the things that we do for clients they never are aware of.  Our professional design services are all inclusive of:  all plans, drawings, conceptual sketches, and renderings, all presentations, project sourcing of all materials, all finish and fixture selections throughout, all selections to ensure both function and aesthetic fit for all furniture, rugs, lighting, window treatments, art accessories and more selections.

Throughout the project management aspect, we are responsible for: purchasing of all goods approved, tracking and shipping management, professional receiving, inspection of all goods, coordinate schedule with installers, delivery and professional installation of all goods. We also update clients throughout the process to ensure all progress stays on track to meet expected deadline.

We are there for every install, guiding our professional installers to ensure that everything is placed in the perfect spot. We strive for excellence in all that we do, and by doing all of this, we give our clients the reassurance that everything will be handled with dedication and our high-quality standards.

“Sandy Kozar and Rachael helped us to redecorate our “new” home. They listened to our vision and then helped us create a beautiful home that we will enjoy for years to come. They helped us with furniture, lamps, rugs, draperies, and accessories – a lot! A very positive experience from start to finish. We highly recommend them!!” – Melissa, Vonore

Ready to see the difference that hiring a professional can bring? Let’s chat about your next project! We can’t wait to hear from you! So, give us a call at 865-392-6222 or visit our website at www.SandyKozar.DecoratingDen.com to get started today! Remember, the sooner you get started, the sooner you will be enjoying your beautiful new room!

Decorating Den Interiors
Kozar Design Team
865.392.6222
www.SandyKozar.DecoratingDen.com
skozar@decoratingden.com

Decorating Den Interiors is a franchise with over 230 businesses throughout the United State and Canada. The benefits of working with a franchise are the tried-and-true systems for every project, as well as over 150 trade suppliers that are vetted and quality approved for us to use. Our clients benefit from the combined purchasing power of all of the Decorating Den franchises. We are also continuously informed and educated of all of the latest trends and innovations in the industry. The Decorating Den Certified Designer exam, or DDCD, is a 3-day test to confirm that you are an expert in your field.

PRO DESIGN TIPS
From the Kozar Design Team

– My favorite spot to put family photos is in a hallway leading to the bedrooms. Hallways are usually long and have room for expansion as the family grows and has more adventures through the years. Start in the middle with a focal image, a wedding, your last name, or a large family photo with everyone in it, and expand outward as the picture gallery grows.
– Another favorite tip is to use books! Many of today’s homes do not have many books left, but there is something really comforting and inviting about a small stack of poignant or themed books on a nightstand or coffee table in the living room. 
– When it comes to accessorizing, we like to go with a few big focal items, rather than a lot of little ones. This gives a greater visual impact and lets your eye rest to really absorb the beauty of those few pieces, without adding visual clutter. Another bonus is that there is less to clean, too!

Confused About Reverse Mortgages?

Tuesday, January 3rd, 2023 | Uncategorized | No Comments

Reverse mortgages can seem difficult to understand.  With both pro and con opinions stated in very strong terms by knowledgeable people, its hard to decide if they are a tool that you should use or avoid.

This month, we interviewed Scott Chamberlain, Retirement Mortgage Specialist with Mutual of Omaha Mortgage, to delve into information about reverse mortgages and when they might or might not be an appropriate choice for senior homeowners.  Scott lives in Tellico Village, is an expert in the mortgage industry, and specializes in working individually with people in the area on reverse mortgages.

MV: Tell our readers a little bit about yourself and why you started your reverse mortgage business.

Scott: I started in the mortgage industry in 1982. When I retired, I moved to Tellico Village. After a short time, I flunked retirement and decided to get back into the business world. Now that I am a senior citizen myself with so many years in the mortgage industry, the Reverse Mortgage program was a natural progression. This is a powerful program that has evolved over the years, and my goal is to be an ambassador to get the facts to my fellow neighbors.

MV: Tell us about your business philosophy and why people in this area might want to do business with you?

Scott: I like to work with my customers face to face to make sure they completely understand all aspects of this important retirement tool. I’m not big on technology for communicating information to people.  I also attend every one of my closings to make sure what the customer requested is delivered, so I always assist the closing agent in explaining this unique mortgage.  I am also a Retirement Mortgage Specialist with Mutual of Omaha Mortgage, one of the most established and trusted companies in the industry.

MV: Can you tell us about reverse mortgages and how they work?

Scott: Sure; they seem to be a bit complex!  But like anything, when explained in simple terms, it’s not hard to figure out if it would be of benefit to you as a homeowner.  The reverse mortgage was originally developed by the Department of Housing and Urban Development and signed into law by then President Ronald Reagan in 1988, to assist senior citizens that were living on a fixed income that had their homes paid but were struggling with extra living expenses.

The only options for seniors up until this time were to get a loan, which was impossible to repay on a limited income, or sell their home and relocate. The reverse mortgage is a program that advances a portion, not all, of the equity in your home with no monthly payment required for as long as you live in the property, pay property taxes, keep homeowner’s insurance on it, and maintain the home in generally good condition. You can access your money in four ways: cash at closing, a line of credit, monthly disbursements, or select a combination of the previous three.

Now, the program has added a purchase program for those that want to downsize for a more accessible living space. There have been many positive changes through the years since 1988.

MV: Tell us about why people should consider a reverse mortgage.

Scott: The reverse mortgage, at one time, was considered as a last resort type loan, however with the constant evolution of this product, it has become a very important retirement tool.  It is no longer just for refinancing your existing home, but currently offers a purchase option as well as providing a vehicle to manage retirement funds during a down market.

For homeowners with medical issues, it can provide a line of credit option that allows people to stay in their home as long as possible.  For homeowners with cash flow issues, this option releases funds that can be accessed in monthly payments or available with a line of credit that can be received when needed. The term house rich but cash poor better defines this type of homeowner.

With people living longer than ever, the older generation is concerned with, “Will I outlive my retirement funds?” A reverse mortgage can allow you to convert equity for a practical use.

MV: Can you give us some sample situations where a reverse mortgage has helped some of your clients?

Scott: Absolutely.

One good example is that of a widowed woman. With the loss of her husband’s income, she was starting to fall behind on her mortgage and other bills.  Fortunately, she had enough equity in her house to get a reverse mortgage.  It paid off her old mortgage and her other fixed monthly debts with a little extra cash to have in the bank for emergencies.  For her, it was a great option to have at her disposal.

Another good example is that of a husband and wife who have social security income and a small monthly pension, but the husband still needs a part-time job to live comfortably.  The unexpected happens.  The husband is hurt and cannot continue to work.  They obtained a reverse mortgage and paid off their home loan and bills.   This reduced their monthly debt by $700 and eliminated the need for a part-time job.

A final example is a husband and wife living on both their SSI and their IRAs.  During a bear (down) market, they saw their investment portfolio shrink since much of it was in the stock market.  By accessing the equity in their home, they did not have to liquidate their accounts until after the market recovered.  This kept their investments growing instead of needing to withdraw funds at a loss. Also, another benefit was when they accessed the money from their reverse mortgage, it was tax free. (Always consult your financial advisor for options.)

MV: What are some general things people should know about reverse mortgages?

Scott:  The most important things homeowners should know about this program are:

  • You are not giving your home to the government.
  • You can sell and move should you wish in the future.
  • You dont have to qualify with income and credit scores like traditional mortgages.
  • You can still pass your estate to your family.
  • You do not have to make any mortgage payments ever.
  • The funds you receive do not count as taxable income.
  • Your home does not have to be free & clear.
  • You can never owe more than the value of the home.
  • You need to be at least 62 years old, have enough equity to pay any liens against the home, and currently occupy the home.

MV:  What are some situations where a reverse mortgage might not be a good idea?

Scott:

  • If you do not have equity in your home, unfortunately, this program won’t work for you.
  • If you are planning on moving in the near future, the closing costs for the reverse mortgage would take away from your equity and you might not have enough time to receive the benefits of the mortgage.
  • If your family has agreed to keep your home for future heirs, you would not want to put this or any type of mortgage on the home.

I know homeowners still have a lot of questions about this program; I am here to answer all of your questions and help you decide if you can benefit from a reverse mortgage.  Give me a call and I will be happy to guide you through this sometimes confusing process.

Call today: Scott Chamberlain
Retirement Mortgage Specialist with Mutual of Omaha Mortgage
Office: 865-364-0566
Cell: 706-474-1101
scottcmortgagepartners@yahoo.com

Mutual of Omaha Mortgage Inc, dba Mutual of Omaha Reverse Mortgage NMLS ID 1025894 3131 Camino Del Rio N 1100. San Diego, CA 92108. Georgia License Registration 46648 / Tennessee Mortgage License 190182. This advertisement is not from HUD or FHA and the document was not approved by HUD< FHA or any Government Agency. Subject to credit approval. For Licensing information go to www.nmlsconsumeraccess.org #990673273

Happy New Year and Happy Savings!

Tuesday, January 3rd, 2023 | Uncategorized | No Comments

January is always a great time to reassess your winter wardrobe. There is finally time to go through all of the pieces hanging in your closet that haven’t been worn this season and either donate them or take them to the nearest consignment shop. Whichever you choose, you’ve begun the process of updating your own winter wardrobe while selections are still great and on sale!

At The Lily Pad, our sales are huge semi-annual events which take place in January and July. Our winter merchandise is now 25% off, and on Saturday, January 14th at 10:00 am, every piece that’s left goes to 50% off! We’ve found this method to be quite effective to not only clear out the store, but also to pass tremendous savings on to our customers.

As the winter merchandise goes on sale, our “La Sale Boutique” (the big room at the rear of the store) goes to 70% off! Thus, the clearing out begins as we ready ourselves, and the store, for a brand-new season. Spring fashions have been ordered, fresh looks are arriving, and the holiday decor has been put away for another year.

We’ll look forward to seeing so many of our customers and friends during our unbelievable sale days. If you’ve ever spent a day at Filene’s Basement in Boston, The Lily Pad is almost as wild on the first days of our sale! Plan to spend some time with friends and neighbors, every arm loaded with bargains, and having the time of our lives! What a fun day during a not so fun month. It’s a social event you won’t want to miss!

At The Lily Pad, we reflect on how blessed we have been this year to again be part of your lives. We truly appreciate the vote of confidence you place in us to be your fashion headquarters! Our most sincere wishes for a happy and healthy 2023!

The Lily Pad Boutique
209 N. Main Street
Sweetwater, TN 37874
423-337-5537
www.lilypadboutiqueonline.com
Mon-Sat: 10am-5:30pm
Sunday, 1/16/22 only, 12:00-5:00pm
Instagram/Facebook: @shopthelilypad

Celebrate a New Winter Window Treatment Solution

Tuesday, January 3rd, 2023 | Uncategorized | No Comments

By Darla Zorn Owner/Founder Express Blinds

The New Year has come and gone. The winter months have settled in, and while the cold they bring presents its own series of challenges, including those pesky heating bills, those frosty temperatures also open the door to a whole new realm of beauty and color, from cool alpine greens, arctic blues, and aurora pinks to calm shades of grey, warm holly reds, and hearth fire oranges. With such a unique atmosphere filling the world around us, now can be the perfect time to channel it right into your home.

If you are considering refreshing your home décor, particularly your window treatments, the shift into deep winter can inspire you to find the answer that ties together both aesthetic atmosphere and everyday practicality.

In need of ideas? How about this celebrated solution from Express Blinds? Cellular Shades!

Cellular Shades represent tailored elegance and versatility to compliment nearly every lifestyle and situation while taking the lead in energy efficiency and insulation.

Why Cellular Shades?

> Block the cold! Homes in colder climates benefit from cellular shades’ insulating properties to block out the cold and regulate inside temperatures, delivering up to a 22% reduction in heat transfer during the winter.

> Block the heat! Homes in warmer climates benefit from cellular shades’ light blocking properties to keep the heat from transferring to the inside and delivers up to a 60% reduction in heat transfer during the summer.

Thanks to the air pockets integrated into its attractive, honeycomb cell design, not only are you effectively insulating your home from both heat and cold, but you’re achieving consistently lower energy bills year-round. But these aren’t the only reasons to invest in cellular shades.

> They also provide excellent sound absorption, ideal for rooms with hard wood floors.

> They aren’t limited to regular windows but can accommodate larger windows and doors as well.

> Customizable to fit your exact light-filtering needs with four opacity levels including sheer, semi-sheer, semi-opaque, and opaque, as well as available in five different cell sizes.

> Available in a large selection of sumptuous fabrics featuring a rich range of hues and patterns to compliment any room’s theme.

If you’re ready to move forward with an elegant and energy-efficient answer to your window treatment needs, simply call Express Blinds, Shutters, Shades & Drapes today at 865-730-4880.

Express Blinds, Shutters, Shades & Drapes
865-730-4880
www.ExpressBlindsKnox.com

Rock City Opens New Realm: Heart of the Mountain

Friday, December 2nd, 2022 | Uncategorized | No Comments

Courtesy SeeRockCity.com

Rock City is taking the Enchanted Garden of Lights to a whole new realm as the attraction continues to celebrate its 90th anniversary year with never-before-seen views, themes, and activities! Rock City Gardens is merrily anticipating the addition of a Christmas Market, an all-new realm and a seated dinner available nightly in Santa’s Workshop & Kitchen! Jolly adventures await guests as the 28th season of this beloved holiday tradition which began on Nov. 18, with over a million sparkling LED lights adorning Lookout Mountain through Jan. 1 (closed Christmas Eve). Rock City Gardens opens at 8:30 a.m. for the daytime experience, and the roundhouse gates and realms open at 4:30 p.m. for the Enchanted Garden of Lights nighttime event, with all activities beginning at 5 p.m.

“This year we are so excited to unveil a brand-new realm as part of the Enchanted Garden of Lights, named the Heart of the Mountain,” said Doug Chapin, president and CEO of See Rock City Inc. “This part of the Enchanted Trail from Fat Man’s Squeeze through the Hall of the Mountain King has never been open at night during this event before, and we cannot wait to share it with you! Over the past few years our team has worked to enhance this area, building on the lore of the Hall of the Mountain King to highlight the handiwork of the trolls who sculpt with stone, glass and metal to create an amazing experience for our guests.”

Over 90 years ago, Rock City opened its gates to the public and began to share the magic and wonder that is an intrinsic part of its unique natural landscape. Co-founder Frieda Utermoehlen Carter brought together her love of fairytales and passion for nature to create pathways that celebrate the best of the natural world combined with the gems of timeless stories. Rock City’s newest artful installation reimagines the folklore and art that inspired Frieda as she helped create this magical space. As guests journey into the new Heart of the Mountain realm, Ibsen the sculpted troll offers safe passage, with glow steps, new waterfall features and the enhanced Rainbow Hall lighting the way to

Observation Deck where for the first-time guests can get photos of the waterfall and Christmas star!

This innovative section is layered with both traditional and multi-colored creative lighting. Heart of the Mountain colorfully illuminates the natural beauty of an iconic attraction, paired with a whimsical world of gnomes, trolls and fairytales – and new views for peak memory-making!

Start at the roundhouse gate entrance to journey down North Pole Highway to see the Nativity Light Story and visit the six uniquely themed realms: Heart of the Mountain, Magic Forest, Arctic Kingdom, North Pole Village, Yule Town and Fairyland Caverns. Walk through one of the world’s tallest and one-of-a-kind Christmas trees with lights that “dance” to music in the Magic Forest. Watch icy borealis colors twinkle in the Arctic Kingdom. Stop by Café 7 in North Pole Village and warm up with holiday drinks like the house-made favorite hot cocoa, and delicious food offerings like loaded potato soup and three-cheese macaroni. Do some holiday shopping and try some German-themed eats and treats in the new Bavarian-style Christmas Market! From birdhouses, gnomes and ornaments to buy, and turkey legs and chili to try, this is sure to become a holiday favorite. Mrs. Claus is there too for story time and gingerbread cookies to decorate! In Yule Town visit Santa’s Workshop & Kitchen, for a seated meal available nightly and photos with St. Nick (through Dec. 23)! Fairyland Caverns is also open for those who do not want to pass up a chance to relive their childhood with storybook vignettes and fairytale charms.

Celebrate the wonder of Christmas and discover the enchantment of Rock City Gardens…in a whole new light! Tickets are only available online at www.seerockcity.com/lights and must be purchased in advance, except for annual passholders who may come at any time, even during sold-out timeslots (hint: now is a great time to give the gift of an experience – like annual passes to Rock City)! Visit www.seerockcity.com/lightsfaqs for more details on this event and follow Facebook for updates such as when tickets may sell out nightly.

Rock City Gardens is proud to continue partnering with Ronald McDonald House Charities, giving a portion of each ticket sold to benefit local families whose children are hospitalized. Over $270,000 has been donated from proceeds of this event in the last two decades. For more information on this organization and how to help, go to www.rmhchattanooga.com.

Rock City is one of the South’s most popular natural attractions. Known for its unique geological and botanical wonders, the enchanted 4,100-foot walking trail is a true marvel of nature featuring massive ancient rock formations, a waterfall that cascades down Lookout Mountain and a seven-state view.

Rock City Gardens is located atop beautiful Lookout Mountain in North Georgia; approximately six miles from downtown Chattanooga, Tennessee.

Chota Community Health Services

Friday, December 2nd, 2022 | Uncategorized | No Comments

Making Your Money Last as Long as You Do

Friday, December 2nd, 2022 | Uncategorized | No Comments

By Yvonne Marsh, CFP®, CPA

It’s been a tough year in the markets so far, and for new retirees it’s even more anxiety inducing.  Is their nest egg going to last as long as they thought it would, knowing they need it to provide income for perhaps the next 25 or 30 years?

Whether you’re new to retirement or not, as you begin drawing on your investments, please be aware of a phenomenon called Negative Sequence of Returns Risk, or Negative Sequencing for short.

Why Negative Sequencing Can Put Your Retirement at Risk

In a nutshell, we know that market returns are quoted on an average.  For example, “My IRA returned an average of 7%/year over the last three years.” But we also know that the average was earned as the market roller-coaster was in motion – some years returning more than 7%, some years less than 7%, but averaging out to 7% over that three-year period.

When you are building wealth as a pre-retiree, we really don’t care about that “sequence of returns” – some years up and some years down.  The math shows that you end up with the same amount of money, no matter the sequence.  But when you start withdrawing money, it does affect you.  If you are withdrawing money in a down-market cycle or a “negative sequence” very early in your retirement years, then the account is shrinking by BOTH the negative market return AND your needed withdrawals.  And when that happens, your account balance won’t last as long in your retirement years, as the average rate of return would misleadingly predict.

A person retiring during a negative market cycle will be more likely to run out of money in their long lifetime than another person retiring during a positive market cycle.  Their average return will be the same, but one will be broke and one will not.  And the worst part is that you DON’T KNOW which market cycle you’re retiring into until you’ve retired!

Put Your Investments into Buckets

The good news is that Investment Bucket segmenting is an effective way to mitigate the unknown Sequence of Returns Risk that you’ll face.  Here’s how you do it:

  • A NOW bucket has your bank accounts in it:  safe, rainy-day money that everyone needs.  No risk, but no reward either.  That’s OK – gotta have it.
  • A SOON bucket has accounts that you’ll access for income in Phase 1 of retirement, roughly eight to 10 years.  This may be a brokerage account and/or an IRA from which you’ll draw your RMD’s. These accounts are invested more conservatively to make their stock market ride a kiddie roller-coaster, with gentle ups and downs. This creates the income bridge to your LATER bucket.
  • A LATER bucket holds the rest of your accounts.  These accounts are reserved for Phase 2 of retirement, roughly 10-plus years out.  They can have a stronger growth orientation, and their stock market ride can be an adult-sized roller-coaster, knowing they have the magic word “time” to stay invested in the markets.  Using the Rule of 72, LATER bucket accounts that earn an average of 7%/year will double every 10 years.   So as these accounts grow, a portion of them will be poured back into the SOON bucket to refill those conservative accounts as income withdrawals slowly deplete them.

This Investment Bucket strategy is repeatable over and over again, throughout your long-lived retirement years, and is designed to reward you with growth in the LATER bucket while giving you confidence and security in the SOON bucket.  It’s an effective strategy for mitigating the unknown sequence risk while you relax and enjoy life. Call or visit our website to learn more.

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisor
504 Ebenezer Road
Knoxville, TN 37923
865.622.2162
www.marshwealth.com

Financial Planning & Investment Advisory Services are offered through Marsh Wealth Management, LLC (“MWM”), an independent investment advisor registered with the state of Tennessee. Yvonne Marsh is an Investment Advisor Representative of MWM in the state of Tennessee. Marsh Professional Group, LLC is a TN registered public accounting firm and a separate legal entity from MWM. For a detailed discussion of MWM and their investment advisory fees, see the firm’s Form ADV on file with the SEC at www.adviserinfo.sec.gov

Design Decor’s tips for a designer-quality Christmas tree

Wednesday, November 9th, 2022 | Uncategorized | No Comments

By Mary Ellen Nichols, Co-owner

It’s the most wonderful time of the year

Full disclosure: I am one of those people who loves to go “all out” with decking the halls for the holidays. We’re talking trees, lights, garland – every room in my home gets to share in the spirit of the season. It’s part of the reason why I wanted to get into the decorating business! And using festive touches of decor to help families and businesses make their own holidays a little happier, brings me joy as well.

We deliver that joy through Design Decor, a full-service decorating dream team based here in Knoxville that’s able to transform your space with designer-quality decor customized to fit your personal style.

One tradition many of us share during Christmastime is displaying a decorated tree. And since I am not personally a designer (I hire the team at Design Decor!), I asked Linda Heaton Ridings, Design Decor’s designer and co-owner, to share her top tree-trimming tips:

Size it up

Since it’s likely the biggest decoration you’ll have in your home for the holiday, the tree is the star of the show. But, it still needs to fit the stage… er, space, where it will spend the season. If you have tall ceilings, a 4-foot tree isn’t going to have the same impression as one that stretches the height of the room.

In a pinch, tables can help small trees feel larger. Or if it’s a particularly large open space, you might even consider grouping multiple trees of varying widths and heights to combine for a larger unified focal point.

Top it off

To decorate the tree, start at the top and work your way down. That means the topper, whatever you’re planning to have at the tippy top of the tree goes on first. That way, there’s no chance of knocking off any ornaments while climbing your way to the pinnacle.

Linda suggests having in mind a color scheme or a theme before placing anything on a branch. She likes to use toppers that stand out and draw the eyes up to the top. Big bows or sparkling twigs can help have that effect and help tie the whole tree together.

Keep things in perspective

The lights are on, the topper’s on, now it’s time to fill the branches with ornaments. Keeping the theme you picked in mind, Linda says you can create a more visually interesting tree by mixing up shapes and textures. For example, pair flowers with glass ball ornaments. We have lots of different options here in our Showroom.

But, the thing to keep in mind here is that the placement of each piece is key. Larger ornaments are best on the bottom branches where the tree is widest, with smaller ornaments toward the top. This strategy helps create a flow from top to bottom and is easier on the eyes.

Tucking a wide ribbon around the tree helps fill any bare spaces without ornaments and is another way to add texture and dimension.

Or just call us!

Let’s be honest, bringing the tree and decorations out of storage is a chore in itself, then when you add in having to put everything together and display it… it can be exhausting and take some of the “happy” out of the holidays. But, that’s why Design Decor is here!

Our team of decorators can deliver and set up a fully decorated Christmas tree, plus other accent pieces to sprinkle some more spirit into your home or business, in four hours or less. Which gives you time to enjoy the wonders of the season! And enjoy your designer-quality decorations.

Plus, after the holiday’s over, we’ll take down the decorations and store them for you. It’s a win-win!

Our Showroom has more than 4,000 square feet packed with different styles of decorated trees and decor you can use as a starting point to choose from so we can create a look that fits your style. Or, you can just shop individual pieces and add them to your own decor.

Linda and I are committed to making designer decor available to everyone with any budget. One way we do that is by offering the option to purchase or lease items, so you don’t necessarily have to have the same decorations every year! It’s a great way to keep things fresh and exciting.

We also offer Designer Workshops to give you the chance to express your inner designer and make your own custom floral pieces under Linda’s guidance as a Master Florist.

There’s always something beautiful happening at Design Decor! Come visit us in our Showroom to see for yourself how we’re “dedicated to distinctive decorating!”

Design Decor
627 American Glass Way
Knoxville, TN 37932
865.896.3450
DesignDecorKnoxville.com

Courtley Chiropractic – Now with Expanded Hours in Tellico Village

Wednesday, November 9th, 2022 | Uncategorized | No Comments

Scott, NaCole, Abbey, and Sig

Here at Courtley Chiropractic, our heart is to help people not only with their current health challenges but with their future health as well. It may surprise you to learn that your body is designed to heal itself – from a cut on your skin to a broken bone. If your body is not healing itself, it’s our job to find out why. Many times, when faced with this situation, people start masking their symptoms through medications and a variety of other methods that can end up further increasing inflammation and leading to more disease and discomfort down the road.

Our mission here at Courtley Chiropractic is twofold. We want to help relieve pain and ease symptoms, but we are also passionate about teaching you about your body and how to gain and maintain overall health. Our goal is to empower you for the future and help you be healthy and active.

We are also excited about our new, expanded hours in our Tellico Village location next to Food Lion! Previously, we were only open Tuesdays and Fridays from 9:00 am to noon in Tellico Village. Now, we are open Mondays from 9 am to noon and then from 3 pm to 5 pm, Tuesdays from 9:00 am to noon, Wednesdays from 3 pm to 5 pm, and Thursdays from 9:00 am to noon. These new hours are in addition to our operating hours in our Farragut office.

Here at Courtley Chiropractic, we are committed to providing individual, patient-based care, spanning a wide range of services including corrective spinal care, stress management, testing for food allergies, and providing a variety of supplements to support patients from the inside out. But that’s just the start. If you’re in need of any of the following, Courtley Chiropractic is here to meet your needs:

> Nutrition & Supplements
> Detoxification
> Orthotics
> Classes & Seminars

Dr. Scott Courtley grew up north of Detroit in Shelby Township, Michigan. He pursued his undergraduate studies in Michigan and received his doctorate from Sherman Chiropractic College in Spartanburg, South Carolina. After completing his doctorate, he came to Tennessee and founded Courtley Chiropractic here in Tellico Village. After ten years, Dr. Courtley’s practice expanded to serve the broader Knoxville community for over 25 years. Earlier this year he returned to Tellico Village to reopen his second office.

Dr. Courtley has helped thousands of people regain their health and improve their quality of life, and he believes that God has anointed him to help thousands more. He constantly studies the newest chiropractic techniques, both integrator and traditional manipulation, and continuously integrates them into his practice to achieve maximum results for his patients. Not only that, but he is also deeply involved in the chiropractic revolution seminars. When he is not working, you will find him outdoors, as he especially enjoys golfing, hunting, and spending time on the lake with his family.

For your first visit, we will carefully evaluate your condition(s) through x-rays and personal evaluation techniques. A doctor will then thoroughly explain their findings to you and develop a customized plan for your needs. We don’t just use a one-size-fits-all approach when treating our patients. We create a personalized plan, using a variety of techniques for each and every one. Constantly keeping up on the latest advances in Chiropractic care, we are able to utilize the method that will best help you.

Still wondering if Courtley Chiropractic is for you? Check out our stellar reviews on FaceBook!

• “After years of lower back pain and nerve issues with my arm, I am pain free after completing Dr. Scott’s recommended plan. The staff are so polite and professional. They treat you like family. I have been to several chiropractors and Courtley Chiropractic is the absolute best one I have ever been to.”

• “I love everything that is ‘Courtley Chiropractic”! The team is genuinely friendly and super helpful. Dr. Courtley is very thorough (which I appreciate) and is fantastic at what he does. He has addressed every issue that I was having and made a plan for me to follow. The massage therapist is very experienced and knowledgeable as well. She does an amazing job. The office is very clean and spacious. Even the bathroom is nice! If I could rate it higher than a 5, I would!”

• “Extremely kind, caring and helpful staff. Dr. Courtley is excellent at his profession! Very knowledgeable and understanding about the chiropractic practice and offers more than just adjustments. Incorporates effective techniques and natural supplements if desired after your diagnosis. Very hospitable and professional business, and they are very safe and clean!”

Come where you will be heard, supported, and guided back to your best health! From basic health and wellness principles to practical pain relief, we are eager to deliver to you all the tools you need to succeed and expand your sense of what’s possible in your optimal health journey. Besides, the office environment makes investing in your health fun! Just contact us in Tellico Village at 865-440-7856 or in Farragut at 865-986-8088 to schedule your first appointment and take the next step in your journey along the Wellness Way!

Call today to request a consultation – we would love to hear from you!

Tellico Village: 101 Cheeyo Way, Loudon, TN 37774
865-440-7856
Monday: 9am – 12pm and 3pm-5pm
Tuesday and Thursday: 9am – noon
Wednesday: 3pm – 5pm
Friday – Sunday: Closed

Farragut: 11915 Kingston Pike #100, Farragut, TN 37934
865-986-8088
Monday and Thursday: 9am – noon and 3:30-5:30
Tuesday: 3:30-5:30
Wednesday: 9am – noon
Friday – Sunday: Closed

www.CourtleyChiropractic.com
info@CourtleyChiropractic.com

Tailored Living Announces New Name: The Tailored Closet

Wednesday, November 9th, 2022 | Uncategorized | No Comments

Your home’s style has evolved over time, so is Tailored Living of Knoxville.

Tailored Living of Knoxville, specializing in the design and installation of custom closets and other storage systems for the whole home, is now The Tailored Closet. The rebranding reflects the evolution of the company, as well as its vision for the future.

“The name change better reflects the services offered by the company,” explained Brian Falls, co-owner of The Tailored Closet. “Our name change makes it easier for potential customers to recognize what we do, and it underscores our focus of making the most of a homeowner’s space with custom organizational systems.

“While this is a significant change, our core beliefs remain the same. We will continue serving our customers with the high level of quality and service we have always demonstrated. We’re the same great company, but with a brand-new name.”

Since opening its doors almost 13 years ago, the company has been helping homeowners throughout the Knoxville area transform their spaces. The Tailored Closet designs and installs custom closets and storage solutions for the whole home. The Tailored Closet of Knoxville, which is locally owned and operated, partners with homeowners to solve every day organizational problems, big and small, in inspiring ways. All are designed around a homeowner’s lifestyle.

The Tailored Closet professionals will meet with you in your home, listen to your specific needs, and work with you to design a space that fits your lifestyle. After a recent move to west Knoxville, The Tailored Closet has a larger showroom to meet with customers to finalize detailed designs.

“We’re committed to listening to the needs of every customer, working with them to meet their expectations, and recognizing that it’s a true privilege to be invited into their homes and lives,” added Falls.

REQUEST A FREE CONSULTATION
(865) 777-0306
TailoredClosetKnoxville.com

East Tennessee's Mountain Views

P.O. Box 209

Vonore, TN 37885

Email: inquiry@etmv.com

865-657-3077 Local

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