Archive | Resources

Giving Bedbugs a Wake-Up Call

By George Haynes, Owner & Founder of Otis Termite & Pest Control

Even the most meticulously cleaned homes can have bedbugs. In fact, you’re just as likely to find them in immaculate homes as you are in homes that are not as well maintained.

So just where do they come from? The answer may surprise you: Dorm rooms, hotel rooms, cruise ships, and used furniture. Bedbugs simply hitch a ride in luggage or on clothing, furniture, and a variety of other items.

Mature adults are about the size of an apple seed and reproduce three or more times per year. Parasitic, they feed on human blood at night while you are asleep. Because of their small size, they usually go undetected, hiding in mattresses, box springs, bed frames, headboards, and even electrical outlets. Once bitten, victims often confuse the small welt that remains as a mosquito or flea bite. Untreated, bedbugs can become a major infestation that becomes even more difficult to treat.

Most homeowners enlist the assistance of a reputable pest control company. There are a variety of proven treatment options available, but at Otis Termite & Pest Control, we offer a proven system for the eradication of bedbugs that is both safe and effective. At Otis Termite & Pest Control, we use an innovative, state-of-the-art system from GreenTech. This system uses heat, rather than pesticides, to eliminate bedbugs. That means there’s no need to worry about residual pesticides once your home is treated.

The GreenTech technology is a closed system that safely heats air outside your home and then redistributes the heated air into the room being treated. The heated air safely raises the temperature in the treatment area, killing the bedbugs and their eggs – and all without pesticides.

Family owned and operated since 1974, I personally invite you to contact us with questions regarding bedbugs or any other pest related concerns you may have. You can trust the company that East Tennesseans have relied on for 44 years: Otis Termite & Pest Control.

Otis Termite & Pest Control
112A Hayfield Road
Knoxville, TN 37922
865.690.1662
www.otispestcontrol.net

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Selling Your Unused Diamonds or Fine Jewelry?

A student of both the quality diamond and fine jewelry business industry since 1961, Vince Riggio, owner of Vincent’s, has put his experience to work in some rather unique ways.

“I’ve been fortunate in my career to have met many of the leaders in the world diamond marketplace and to have been privileged to work with many of the nation’s premier jewelers,” said Vince. “I’ve loved every minute of this fascinating and fast-paced industry, and the thought of retiring has never occurred to me.”

With an office in the Farragut area, in addition to an office in St. Louis, Vince and company purchases diamonds of all shapes and sizes, as well as fine jewelry, sapphires, and rubies from both individuals and estates.
“In addition to purchasing diamonds and fine jewelry at the highest possible prices, we also offer sellers a totally unique selling experience,” said Vince.

Vince personally meets with each client on an appointment only basis in their Farragut office, offering a secure, private, and safe environment. All consultations are confidential and are performed on a no-cost, no-obligation basis.
If you are interested in selling your unused or unwanted diamonds or fine jewelry, why not trust Vincent’s and their more than 50 year tradition for integrity, experience, and courteous service?

Vincent’s
123 Center Park Drive, Suite 214
Knoxville, TN 37922
865.392.5358

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Marsh Professional Group

Helping Your Aging Parents

By Yvonne Marsh, CPA, CFP®

The passage of time can catch you off-guard – years fly by, and suddenly you realize that your parents might need help when it comes to managing their finances.

Whether that time is imminent or somewhere in the unknown future, a critical first step is simply having a conversation with your parents about their finances. Make sure you are covering these topics:

» Bill paying: Do they have enough current income to pay their bills, and do they have a process to make sure payments don’t accidentally get missed? This is especially important for annual life insurance or long-term care insurance premiums. Policies they have been paying for years could lapse due to non-payment.
» Do they have critical legal documents in place? We all think of a will as important, but do they have a financial power of attorney that will allow someone to act in their place if they are incapacitated? How about a living will and a healthcare power of attorney?
» Do they have long-term care insurance that can help pay for their care later in life? It’s good to know what your financial responsibility might be in the future if they haven’t made any long-term care plans.
» Are their IRA beneficiary designations up to date? Keep in mind that beneficiary designation forms are the “will” for IRA accounts. Additionally, there are critical tax consequences when IRA accounts are passed to the next generation without properly completed beneficiary forms.
» Do you know where their investments and life insurance or long-term care insurance policies are? I have witnessed first-hand how hard it will be for you – as the adult child financial caregiver – if you have to search for this information.
» Are accounts titled in such a way that the will would be circumvented? For instance, if your mom has a joint bank account with your sister, your sister will own the entire account at your mom’s passing, no matter what the will says.

Talking about money with your parents can be tough, but who knows? They might be waiting for you to start the conversation. Visit www.marshpros.com/info to obtain a free copy of our white paper discussing this topic in more detail, or call us today for a complimentary meeting.

Marsh Professional Group, LLC
1341 Branton Blvd, STE 105
Knoxville, TN 37922
865.622.2162
www.marshpros.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 and MWM are separate legal entities. 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.

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Decorating Den Interiors

“Discover” Window Coverings

By Sandy Kozar

Beginning with this issue of Everything Knoxville, I am excited to introduce our new “Discover” series of design-inspired feature articles that we hope will inspire you. In this and future issues, we will explore new and exciting interior design topics. In this issue, we will attempt to answer many of the questions asked by homeowners to design professionals related to window coverings.

What is meant by the term “window coverings?”
Window coverings created by design professionals are custom made blinds, shades, shutters, draperies, sheers, cornices, valances, or any fabric treatment used on and/or surrounding a window that provides not only aesthetic beauty to any room in your home, but also offers other features, including privacy, UV protection, and energy savings.

What do you mean by “custom made?”
Every aspect of the window and the area around it is considered when designing a custom-made window covering. We consider what is above the window: Are there any obstructions? What is the design style of the room? Do you want more light in the room or less? Also, other aspects such as size, how your windows open/close, and if they’re framed or unframed are considered. We combine all of these factors, analyze them, and select the correct fabric weight, style, and color to create the perfect custom window treatment for your home’s windows. Your custom designed window treatment then goes to our professional workroom where it is hand-crafted by experts. Then we professionally install and dress your window.

How do I know which covering is right for my windows?
Our design professional will visit your home to measure, ask if there are any energy related issues, and talk to you about the many other important elements to consider when designing a custom-made window covering. These are important first steps prior to offering our recommendations.

What if I have a beautiful view that I don’t want obstructed?
That’s not a problem. If you enjoy beautiful views, rest assured they will remain! Our years of experience in homes just like yours enables us to recommend the perfect widow covering to both protect and enhance your views. We offer the right products and the expertise that provide needed privacy when closed but that spectacular view when open. The combination of your vision and our expertise come together to create the quality look you have dreamed of.

We hope that you have enjoyed our first series of “Discover” and that it has answered any window covering questions you might have had. If you require additional information, please feel free to give us a call and “Discover” why we are the design professionals! And remember, our in-home consultation is always complimentary!

“DISCOVER”
Join us for a “Discover” class: “Window Coverings” on January 19 at 10:30 am.
Limited Seating – call 865-392-6222 to reserve your seat. Refreshments served.

Decorating Den Interiors
Sandy Kozar & The Kozar Design Team
Interior Design Professionals
865-392-6222
www.SandyKozar.DecoratingDen.com

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Exact Tile Inc.

Helping You Discover the Possibilities

Knoxville-based Exact Tile Inc. has helped thousands of area homeowners since 1999 achieve that showcase quality look when using ceramic, porcelain, granite, marble, or stone in their homes. Frustrated at other tile stores, Exact Tile offers an extensive selection from the top manufacturers throughout the world and the United States. What further helps Exact Tile stand out among their peers is their eye for design and their expert craftsmen. Artisans who combine “old world” craftsmanship with many of today’s cutting-edge technologies to create the most stunning kitchens, bathrooms, walls, and floors that you could ever imagine.

The possibilities begin long before the actual work commences. It really all begins at Exact Tile’s Boutique. More than a showroom, their design team helps you discover the potential that exists within your home with their creative designs for kitchens, bathrooms, floors, walls, and fireplace surrounds, which are all designed to inspire you.

Exact Tile’s design team will help you transform your vision into your reality. Their designers, your “dream team,” offer in-home consultations and AutoCad/SketchUp design drawings.

Exact Tile would like to invite all of the readers of Everything Knoxville to visit their showroom located at 108 Hayfield Road in Knoxville. Be prepared to be amazed with their many hand-crafted items that are unavailable anywhere else, in addition to quality brands of tile and stone from Walker Zanger, Encore Ceramics, Bella Vista Tile, Tabarka Studio, Mercury Mosaics, Red Rocks, Metalcoat Tile, and Ticsa America, along with natural stone fireplaces, range hoods, sinks, and heated floors. If you’re considering a large format porcelain tile, Exact Tile not only offers this tile, but their craftsmen are also certified to install it.

Are you ready to discover all of your home’s possibilities? Stop by Exact Tile Inc. today and prepare to be amazed.

Exact Tile Inc.
108 Hayfield Road
Knoxville, TN 37922
865.693.1298
www.exacttile.com

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Heritage Investors

Comprehensive Wealth Planning

A Life’s Lesson I’ll Never Forget

By Justin Goodbread, Certified Financial Planner™

I guess it wasn’t a total surprise when, in 2005, my mom and dad asked me to help them put together a financial plan to help them secure their retirement dreams. After all, I’m a Certified Financial Planner™ (CFP).

In my career, it wasn’t unusual to share in the grief of my clients who experienced personal losses, but nothing could prepare me for my father’s (we called him Pops) totally unexpected death on October 20, 2016, at age 62. I still can’t describe the emotional roller coaster I’ve experienced. As the grieving and healing continue, as a family, we are grateful for the foresight that my parents demonstrated, putting into place 12 years ago a plan designed to protect themselves and their loved ones from life’s uncertainties.

I wish I could encourage everyone who reads this article to put a comprehensive plan into place for their family to provide for not only retirement, but life’s unexpected twists and turns as well. Unfortunately, too many people postpone planning. Maybe they think that they’re too young, or perhaps they’re uncomfortable confronting their own mortality. I believe that many people don’t have someone to confide in that they feel they can trust. Regardless of the reason, the lack of a comprehensive financial plan for the future can make life’s uncertainties even more devastating.

At only 59 years old, Mom will likely enjoy many more productive years surrounded by her three children and 11 grandbabies. Fortunately, the decisions Mom and Pops made in 2005 will permit my mom to continue to live comfortably in retirement and will not necessitate having to return to the workplace as so many other spouses have had to do to make ends meet.

I, as I am sure so many of you were, was very moved when a member of the Reagan family shared with all of us the love letters that the former president wrote to his wife, Nancy. My pops’ love letter to Mom and his legacy to his children and grandchildren, and I hope you, too, is to demonstrate our love for our families by carefully providing for their futures. Despite his relatively young age and totally unexpected passing from a massive heart attack, I am confident that Pops achieved the peace of mind that we all search for in life, knowing that we have provided for those we love the most.


Comprehensive wealth planning is not something reserved for the mega-wealthy. That’s a common misconception. Mom and Pops were middle-class Americans. They never owned new automobiles or lived in fancy homes. Their real wealth came from their love for each other and their family. Their goal was to live a life free from the worry of money or the prospect of outliving their retirement nest egg.


My dad’s passing has given me a renewed passion. The comprehensive wealth plans I create for individuals and families are far more than mere forms and spreadsheets. I am confident that what I have experienced firsthand with Pops’ loss provides me with even greater insight to be able to help you and your family navigate life’s uncertainties.

With the beginning of a new year, why not thank the Lord for all of your blessings? As a resolution for 2017, I would like to encourage you to put a comprehensive wealth plan into place to provide for those you care about the most. Please feel free to contact me for assistance. Stop rolling the dice.

Heritage Investors
11470 Parkside Drive, Suite 201
Knoxville, TN 37934
865.690.1155
www.heritageinvestor.com

Heritage Investors is an independent firm with securities offered through Summit Brokerage Services, Inc., Member FINRA, SIPC. Advisory services offered through Summit Financial Group, Inc., a Registered Investment Advisor. Opinions expressed are that of the author and are not endorsed by the named broker dealer or its affiliates. Although the opinions expressed are based upon assumptions believed to be reliable, there is no guarantee they will come to pass. The information may change at any time due to market or other conditions. Past performance is not an indication of future results.

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Bring Your Kitchen Some Holiday Cheer

Bring Your Kitchen Some Holiday Cheer

kitchen-tune-up-resized

If you’ve thought about making a change in your kitchen, you might already be dreading the process of tearing everything out of your space, as well as the time, cost, and inconvenience typically involved. The good news is that trusted remodeling company Kitchen Tune-Up and its local Knoxville franchise owned by Ryan and Michelle Thompson can provide a completely updated kitchen in less than one week – and without the mess or cost of a complete tear-out.

“Our average remodeling project takes between one to five days to complete,” explained Ryan.

Kitchen Tune-Up specializes in cabinet refacing, cabinet redooring (new doors custom ordered to fit your cabinets), custom cabinets and design, and one-day wood reconditioning. Kitchen Tune-Up also offers custom closets, storage solutions, garage cabinets, and a number of accessories. The company’s signature service is a unique, comprehensive, one-day wood reconditioning process called a “Tune-Up,” which restores and repairs wood cabinets.

“It’s important to know that you don’t have to spend a fortune or live in a mess for weeks in order to update your space,” said Ryan. “You can keep your same cabinets and recondition them, or keep the cabinet boxes in place and reface them in a different style or color, or replace them with new cabinets. With any of our services, you can make your space more functional with the addition of roll-out trays and accessories. Whatever you can imagine for your kitchen, we have multiple options and will work within your budget.”

Ryan and Michelle have been Tennessee residents for more than 20 years and have called Knoxville home since 2009. The Kitchen Tune-Up franchise system has consistently been ranked first in their category by Entrepreneur magazine for more than 20 years. For more information or to schedule a no-obligation consultation, call Kitchen Tune-Up today at 865-253-7805 or visit www.kitchentuneup.com.

Kitchen Tune-Up
865.253.7805
www.kitchentuneup.com

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Shelf Help

Shelf Help
Custom Roll-out Shelving for Kitchens and Baths

shelf-help

Perhaps you’ve just installed replacement kitchen cabinets in your existing home and discovered that they lack the optimum storage space that you had hoped for. Or maybe you love your home’s existing cabinetry, but as you’ve aged, or perhaps due to a health or mobility issue, using your cabinets efficiently and safely is not as easy as it once was.

Whether you wished your home’s existing kitchen and bath cabinets were more efficient or if you experience difficulty in using them as safely or productively as you have in the past, Shelf Help is the perfect solution. As experienced kitchen and bath remodeling consultants, the experts at Shelf Help have observed first-hand the challenges that many homeowners experience when installing even the most carefully planned cabinetry. At Shelf Help, they don’t install cabinetry; they make good kitchen and bath cabinets and pantries better.

Here’s how they can help. At Shelf Help, they install custom roll-out shelving and organizers that install right into your home’s kitchen and bath cabinets or pantries that allow you to make maximum use of your available storage space. And for those who may experience challenges reaching cabinets that are too high, too low, or too deep, Shelf Help allows you to make full and efficient use of your cabinet spaces, making them more accessible.

What homeowners also appreciate is how affordable Shelf Help is, saving them up to 50% off the national brands. All of Shelf Help’s custom roll-out shelves are made right here in the USA and feature dovetail joints and ball bearing slides, which can support up to 100 pounds per shelf.

What customers are saying about Shelf Help:
“Best improvement we’ve made to our home – hands down.” – Judy F., Tellico Village
“A huge help – we are much more organized and can now reach everything in our cabinets.” – Mike B., Farragut
“Great product – well designed, smooth installation, and a far more efficient kitchen.” – Mark & Susan D., Knoxville

To learn how you too can better organize your kitchen, bath, or pantry, call today to request your free, no-obligation, in-home consultation. Mention this article and receive free installation with a minimum purchase. Locally owned and operated, let Shelf Help make the most of your home’s kitchen, bath, or pantry storage space.

Shelf Help
865.675.5098
www.shelfhelptn.com

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Creating the Very Best from Reclaimed Wood

Creating the Very Best from Reclaimed Wood

plantation-reclaimed
Reclaimed wood is a great source of lumber with character that can be recycled and used to create exquisite flooring and cabinetry, doors, beams, you name it. Its uses are only limited by your imagination. Recycled wood from old, unused, dilapidated, or just plain neglected barns, warehouses, and such exude a warmth that can’t be matched by most modern building materials. Also, reclaimed lumber reduces the demand for new wood from the forests of this endangered world we live in today.

There are a variety of ways to make the best out of reclaimed wood, especially in new construction. But whether you’re building or remodeling, you can give your home that unique, one-of-a-kind look that simply can’t be duplicated. Absolutely nothing can replace the aged feel, warmth, patina, and color tone of reclaimed wood.

Everyone loves the warmth that a wood floor offers. Well, Plantation Reclaimed wood offers a one-of-a-kind flooring surface that you will not find in the “big box” stores. No two floors are ever alike. We offer a variety of woods that will add an entirely new level of character to any area of your home. Tobacco Road is one such type. Used during the 19th and early 20th century, tobacco farmers used a mixture of species of wood to build sidings and roof rafters for their tobacco barns, where they would dry their harvests, which in return gave the wood used its heavy color, which with regular weathering and stains gave the wood its unique and unusual character. Hence, wood reclaimed from these barns is termed Tobacco Road.

Another species, Southern Reclaimed Heart Pine, which is often recognized by its rich yellow and golden tones along with the highest grain quality, is an ode to the American Manufacturing era. These were often used as beams in most of the largest manufacturing mills of this country.

The mighty oak tree, known for its strength, was used extensively to construct the iconic American barn, most of which would last a century or more. Resawn beams from the oldest of these barns are used by Plantation Reclaimed to create the very best quality oak hardwood wide planks that will provide your home with the warmth it deserves.

Fireplace mantels using reclaimed wood can also be used to provide an unparalleled level of character and style to your fireplace. Hand-crafted using reclaimed wood, our mantels offer both a natural and contemporary form. Our hand-hewn antique mantels are sourced from wood that is aged throughout many decades and centuries as structural timber in historic mills, barns, and warehouses. These timbers still exhibit the axe and tooling marks from when they were first cut and shaped. Our rough sawn antique mantels also bear the same axe marks of the early pioneers that first harvested the timbers from local forests. All of the mantels we offer capture the rich tradition of our early American wood-craftsman.

Antique barn sidings, complete with rusty nail holes and deep textures, can provide the interior or exterior of your home with an unparalleled and ageless beauty that cannot be matched by today’s manufactured woods and wood substitutes. We offer a variety of siding materials ranging from the grey-brown antique barn and faded grey barn siding to the all naturally faded red or white barn siding.

To learn more, contact us today to discover how you can incorporate reclaimed wood products and their rich history into your home or business. It will add a one-of-a-kind, unique character to any room at your home or office.

Plantation Reclaimed Inc.
865.243.4604
www.plantationreclaimed.com

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Dress Up Your Home’s Windows for the Holidays

Dress Up Your Home’s Windows for the Holidays

Well-designed window fashions do much more than simply cover your home’s windows. At Decorating Den Interiors, an authorized Hunter Douglas dealer, our team of experienced interior designers will work with you to create beautiful fashions for every room in your home. We offer a full line of custom window treatments, from those we create in our own workrooms to shades, blinds, shutters, and more. But what our customers appreciate most is the opportunity to share their ideas with our designers, who in turn transform these ideas into stunning new window fashions that combine beauty, form, and function while staying on budget.

At Decorating Den Interiors, you’ll rediscover a level of customer service that you might have thought no longer existed. We work with you to create great designs that are beautiful to live with, provide variable light control, insulate rooms against heat and cold while saving energy, protect your furnishings from harmful and damaging UV rays, and even absorb sound, improving the acoustics in a room. Also, the advanced operating systems we offer make using your new window coverings a pleasure every day.

Did you know?

» We offer Hunter Douglas window fashions in a wide variety of product designs with fabric and materials that come in a range of opacities from sheer to opaque, offering varying degrees of privacy and light control options.

» You can save up to 50% of your home’s heating and cooling energy costs lost through your home’s windows. That’s why we’ve partnered with Hunter Douglas, one of the nation’s leaders in home energy conservation.

» The leader in innovative window fashions, all Hunter Douglas window fashions are designed and custom-assembled in the USA. We’ve also chosen Hunter Douglas because of their longstanding commitment to quality, offering you a full range of choices you won’t find anywhere else.

» From their proprietary cordless manual and motorized operating systems, retractable lift cords, cord tensioners, and wand controls, Hunter Douglas and Decorating Den Interiors offers you a wide array of innovative lifting system options for enhanced child and pet safety, as well as easy operation – features that are important to today’s homeowners.

At Decorating Den Interiors, our interior designers will help you put your ideas into action by helping you design beautiful new window fashions that will complement your home’s existing interior design and décor and will create that showcase home look you hope to achieve. The best place to get started is by contacting one of our design consultants today to schedule your free, no-obligation, in-home consultation today. Also, now through the end of the year, Hunter Douglas is offering a rebate on some of their best window coverings, in addition to their lifetime warranty.

So why go it alone? Call Decorating Den Interiors today and start dressing up your windows in time for the holidays. You and Decorating Den Interiors: The Winning Window Fashion Team.

Decorating Den Interiors – Knoxville
Sandy Kozar
865.982.6368
www.sandykozar.decoratingden.com

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