Make Your List and Check it Twice!

Stay off the financial naughty list by making sure these things are taken care of!

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So, it’s December y’all! The last month of the year. This is the month for holiday decorations, for cheer and good times, and for parties.

It’s also … the last month of the year. And even though we’d like to spend our time shopping, baking and generally enjoying our loved ones, it’s important to make sure all the year’s financial considerations have been taken care of, especially if you bought or sold a home in 2017. Read on for a few considerations in closing out the year on good financial footing!

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Real Estate Gains

Most people won’t have to worry about paying taxes if you earned money from the sale of your new home. As this article points out, only gains above $250,000.00 (or $500,000.00 if you file with your spouse) require taxes to be paid. There are other rules to consider, too: your house must have been your primary residence for two to five years, for example, for the gains to be tax exempt. If there are any other complicating factors, such as divorce or inheritance, it’s very important to make sure you’ve covered all your fees and taxes. To be absolutely sure you’ve crossed all your t’s and dotted your i’s when it comes to paying taxes on real estate gains, make sure you consult with your tax professional soon!

Consider Taking a (Polar) Plunge

If you’ve been putting off buying your new home, now might be the time to jump on it. Why? Because that home could be as much as 12% cheaper now than it will be in the summer, according to this article. While there are more houses on the market in the summer, largely because families prefer to make their move in between school years, if you’ve found your perfect place in the winter, pounce on it!

Change of address!

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If you moved this year, there might be a few places you overlooked while changing your address. Don’t worry, Santa will probably still find you. (He can fly all around the world in one night and get into houses without chimneys; he can find you in your new neighborhood!) But you want to be sure your 2017 W2 forms will find you, too. Here’s a change-of-address list from Moveline.com to check twice:

    Your place of employment

Your financial institution

Your credit card companies

Your utilities, cable, phone and internet providers

Your doctor, dentist, optometrist and other medical professionals you see regularly

Your health insurance company

Your life insurance company

Your vision/dental/catastrophic insurance company

Your car insurance company

Your rental or home insurance company

Your child’s school

Your child’s doctor, babysitter, music instructor, and others who provide paid services

Your pet’s veterinarian and kennel

Your alma mater

Circulation departments of magazines, newspapers and catalogues you subscribe to

Anyone who may need to send you final bills or info about their professional services in your new area

Friends & family, particularly those who go through the trouble to send holiday cards and paper invitations

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Now that you’ve taken care of all that, feel free to toast yourself with a bit of eggnog and get to wrapping presents! Luckily, you can re-purpose some of your moving boxes for gift boxes.

Of course, if you’re ready to start out 2018 in a new home in East Tennessee, go to DarleneReeves-Kline.com.

 

 

Black Friday Options in East Tennessee

Wondering how East Tennesseans do Black Friday?

For some in East Tennessee, Black Friday isn’t complete without the extreme competitive shopping: being the very first customer, getting those crazy door buster deals, and using your new shopping bags full of loot as weapons to fight your way to the next store and the next crazy deal! Some people sit down with the Black Friday store ads after Thanksgiving dinner like a war general, mapping out a plan for their shopping battles to come. But where do they go? If they live in the Lakeway Area, there are more shopping options than you might think. And if you’re new to the area, here are a few ideas to get started.

Morristown

In Morristown, WalMart is always a classic option for Black Friday deals. College Square Mall is full of retailers for your cut-throat shopping pleasure. With that option, you can even come down from the shopping adrenaline with lunch and an afternoon movie.

Strap on Your Shopping Shoes

For even more shopping options, you can hop on the interstate for a drive just under an hour and check out the outlets in Sevierville and Pigeon Forge. Warning: they’re very, very crowded this time of year! Expect long lines on the road and in (and winding along the sidewalk outside) stores. But often people find great deals, so if you can bring your patience, it might be worth the hassle.

Knoxville

Knoxville has West Town and Knoxville Center malls, as well as the Turkey Creek shopping district for your shopping pleasure. Not as crazy as Sevierville, but bound to be more crowded than Morristown.

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Small Businesses

Don’t forget shopping small! Lots of small businesses in the Main Street and Historic districts of Morristown, Dandridge and other smaller burgs roll out the savings for Small Business Saturday, but they’re worth a stop in on Black Friday, too. You never know what delightful little gifts you might find there. Plus, the smaller stores come with a laid-back atmosphere, even on a shopping-crazed weekend like this one.

Don’t be Afraid to Split Up.

Especially in the Sevierville and Pigeon Forge area, there are tons of museums, mini-golf spots, go-cart tracks and more ways to entertain those in your family much less inclined to go shopping. Take advantage of these close-by entertainment options to give you more shopping time!

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Don’t forget about #OptOut!

REI, and other outdoors outfitters, have created a movement that lets their employees spend Thanksgiving and the day after with their families. They close their doors and encourage both employees and patrons alike to go outside for a game of Frisbee, a bike ride or (of course!) a hike in our majestic state parks. Even though the leaves are down and the fall weather is crisp, this is a great time of year to enjoy our great outdoors. The stark beauty is every bit as enjoyable as the lush summertime. And, hey, the bugs are pretty much all hibernating at this point, so you can leave the bug spray at home!

Looking for a home in the Lakeway Area? Check out DarleneReeves-Kline.com and let’s get started!

 

Happy Halloween!

If you’re looking for some family-friendly Halloween activities, we’ve got you covered!

Halloween is fast approaching! East Tennessee loves its ghosts and goblins. (We wrote here about some popular local haunts.)

Many neighborhoods still gear up for trick-or-treating, turning on those porch lights and decking out the house in spooky decorations. There are many other fun ways to celebrate this creepy time of year, too! If you’re looking for some family-friendly Halloween activities, we’ve got you covered! Read on to find out more.

Trunk or Treat

This spooky tradition is a fun, safe way to dress up and trick-or-treat … with cars! Locals dress themselves and their cars up in silly or spooky ways and hand out treats to little princesses, super heroes and any other kids who come out in costume! 2017’s event details for local Trunk or Treat events are as follows:

Morristown: 5 p.m., October 31, Trunk or Treat at the Farmer’s Market. (There’s also Trick or Treating downtown at the same time.)

Rogersville:  5 p.m. October 31, Trunk or Treat in the Historic District. Call 423-272-2186 for more information.

Jefferson City: Saturday, October 28, Trunk or Treat at the Fair Grounds. Call 423-312-1081 to find out more!

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Boo at the Zoo!

This annual favorite at Zoo Knoxville is geared toward little ones, from infants through elementary age. This activity is a fun way to see some of your favorite animal friends while loading up on candy, donated by local businesses. Proceeds from the event go toward zoo programs like the Species Survival Program, helping endangered animals survive extinction. Expect to see some of your favorite book and movie characters throughout the zoo, and lots of smiling faces!

Boo at the Zoo: Three weekends in October, from 5:30 p.m. – 8:00 p.m. Admission is $9 per person over 4 years old (free for kids under 4) and parking is free for this event.

Dates: October 12 – 15, 19 – 22, 26 – 29

Corn Mazes

Here’s a trade secret you probably didn’t know: maze creators use GPS equipment on their tractors to carve out mazes in the corn fields. I bet corn mazes look pretty amazing from the sky!

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This corn maze, in Sevierville, is celebrating its 10th season. The maze will be open through October 29, so get out and get lost!

Echo Valley

In Jefferson City, this maze is great for groups and families. Admission is $15, but that covers a lot: even a free pumpkin for the kids! The maze stays open until November 4.

Oakes Farm

In Corryton, this family-friendly attraction is a whole lot more than just a corn maze. Check them out for pumpkins, food, games and tons of activities.

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Weather this time of year can be pretty unpredictable; an 80-degree day can plunge quickly into a 40-degree night! So make sure you check the forecast and dress accordingly. Layers are always a good idea during the fall in East Tennessee. And be sure to use safety lights, like flash lights and glow sticks, and have a safety plan in place with your kids whether you’re out trick-or-treating or getting lost in the corn!

 

Looking for a (not haunted) house? Check out DarleneReeves-Kline.com! Happy Halloween!

 

What Retirees Want!

You might be surprised at today’s retiree’s choices.

Most people, when they hear about retirees moving or looking to buy a new home, imagine somewhere sunny, with palm trees, and something small, like a condo or considerably downsized house. According to this survey on Forbes.com, performed in 2015, those antiquated ideas are way off!

So what are today’s retirees into, when it comes to this new phase of home life?

Staying Put

Surprisingly, most boomers choose not to relocate to a new state when buying a new home. And downsizing is becoming a myth! Many of today’s retirees choose a similar-sized home, or even one that is a little bigger. Why? To make room for visitors, family, and even hobbies. In fact, the most popular home improvement project for a retiree is adding on a personal office!

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Less retirees are choosing this scene for their daily lives.

Freedom Threshold

It’s no surprise that the boomer generation rejects the old view of retirement: relaxing in the sun, living in a tiny condo. Today’s retiree has planned meticulously to live their lives to the fullest! They are choosing lifestyles based on the things they like and want, instead of living where they have an easy commute to work or better access to schools for their kids. This mindset is called the Freedom Threshold.

The biggest advantage of reaching the Freedom Threshold? Living longer! Stats show that retirees aren’t just fading away after punching their last time card. Instead, they’re living longer, fuller lives, and choosing dream homes they’ve saved for instead of just settling for something tiny.

So what is the biggest motivator for retirees when choosing their next home? Proximity to family. Retirees who stay in-state do so to be close to family, and 29% those who move away have the same reason: to follow family.

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Survey says: family is the most important factor in retirees deciding where to live.

Not Just Fun and Games

Proximity of family is also on this checklist of things to consider when planning a retirement relocation, on CNBC.com. In addition, if you’re looking to make a major lifestyle change (in addition to retiring!) keep in mind differences in taxes from state to state, and whether keeping your original residence to rent out or selling it outright will be more advantageous.

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Even though schools and work commute are no longer as important, you should still weigh your options carefully.

Medical care is also a major consideration. Even if you plan to snowbird north for the summer or south for the winter, you shouldn’t rely only on doctors in your home state. Even in rural areas, Tennessee has good access to emergency care, and clinics and hospitals are a short drive in most locations. But, still, do your homework and make sure you like the local medical care before committing!

Consider East Tennessee

Here in East Tennessee, the same mild climate, beautiful landscape, low cost of living and pleasant standard of living—including tons of stuff to do!—are good for both young, working families and those looking to retire. In Tennessee, you can get the best of both worlds: staying close to family, and living well on a fixed income!

 

If you’re looking to retire in East Tennessee, and you want to find your dream home, check out DarleneReeves-Kline.com. We’d love to help.

First Day of Fall!

Read about some of our favorite Tennessee fall things!

Fall is an especially sweet time in Tennessee. It’s one of the top-ranking reasons for people to relocate here: they love the changing of the seasons, but want mild weather. Tennessee delivers the best of seasons with minimal extremes, like snow storms or 100-degree summer days! Read on to find out some of our fall favorites in East Tennessee:

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Apple Butter

This Tennessee favorite isn’t butter at all; it’s creamy, sweet, smooth apple all cooked up and made into a spreadable treat. You don’t cut out the cores to make apple butter; you cook all the parts of the apple together before processing out the parts that wouldn’t be good to eat. Natural pectin is inside the apple core, which helps apple butter to firm up. During the fall in East Tennessee, you can find big cauldrons of apple butter being stirred up by wooden paddles in fall festivals! And if you can’t get to a festival, local tractor supply stores and small businesses usually start carrying this seasonal favorite. You could always try making your own, too. Click here for a simple recipe.

Apple Cider

If your idea of apple cider is something you shake out of a little packet and mix with microwaved water, then you definitely don’t know what you’re missing! In the Smokies, apple harvests were preserved for generations with family recipes like apple butter, apple preserves and apple cider. These recipes were a way to make apples last through the cold months, when fresh, growing things were scarce. Traditional apple cider is made with several varieties of apples, which are crushed and pressed until juice (and some bits of fruit) comes out. The pectin in the fresh product is good for you (and can’t be found in powdered cider drinks!). Traditional cider is a little bit alcoholic; the fruit ferments. That was another way apple cider warmed the body during winter months.

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Gorgeous Leaves

People from all over the country make the pilgrimage to view our famous, eye-popping fall leaves every year. Depending on rain fall, seasonal temperatures and some unknown mystery-factor, leaves reach peak colors sometime in October (usually!) It’s the perfect time for a hike in the majestic Smoky Mountains, especially since the weather is refreshingly crisp.

Crisp Nights

Fall brings with it the nostalgic smell of wood smoke, both from bonfires and fireplaces, where families enjoy one of the most ancient creature comforts known to man: a cozy fire! Even if you prefer the convenience of turning up the thermostat on chilly nights, fall just feels cozier with a warm fire. This is that great, transitional time of year when your favorite sweater is just right; you don’t need to bundle up in a winter coat just yet, and the heat of the summer is fading away. Our fall days can be pleasantly warm, too, and even more pleasant with the summer humidity fading away!

 

If you’re looking for the perfect place to snuggle in and enjoy the fall weather, visit DarleneReeves-Kline.com to search for listings in our neck of the woods!

 

Maximalism!

Maximalism is coming back in response to minimalism!

We’ve written before about how millenials are all about minimalism. The trends today are all about smaller homes, smaller footprints on the environment, even capsule wardrobes to minimize the amount of clothes that need to fit inside the smaller closet!

The idea behind it comes from many cultural sources, but probably the most modern and recognizable is this book: The Life-Changing Magic of Tidying Up, by Marie Kondo. The author put together a life philosophy and style and created an entire social movement! In her view, if something is not useful to you, or very beautiful, then get rid of it! So, no keeping your grandmother’s old shoes, or that falling-down piece of furniture (unless you truly think those things are useful or beautiful.) It’s a great philosophy to kick-start your decluttering efforts.

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Some people get really, really into the minimalist lifestyle, squeezing a four-person family into a renovated school bus, or throwing out everything in their kitchen except enough plates for four people, a food processor and two pans! The movement has become a kind of challenge: how little can you live with?

But there is a backlash coming in the style world, and it’s one that many of our boomers will recognize: it’s maximalism! Instead of simple, clean design with neutral colors and only a few pieces of furniture to adorn a room, maximalism is all about color, and patterns and squeezing in as much as you possibly can into one space!

Of course, you could go way too far with the idea, and keep way, way too much. That’s the danger of this end of the style spectrum: you could risk becoming a pack rat for fear of throwing something out that might be useful or stylish or just plain catch your fancy again in a year or two.

Interestingly, while minimalism seems to embrace small-home living as a means of saving money, forcing the minimum of physical belongings and reducing our environmental footprint, maximalism doesn’t really fit into a specific-sized place. It’s more about filling up whatever space is available.

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Parents of small children especially relate to the tug-of-war between maximalism and minimalism! A room overflowing with toys can get overwhelming, making even the most practical parent break down and scream, “That’s it! We’re getting rid of everything in here!” But, still, each new holiday or visit to the grandparents’ house brings on something else that’s colorful and fun, and deserves a place of honor somewhere in the house (preferably the kids’ rooms!)

The truth is that most of us probably fit somewhere in the middle of the spectrum. We like a little bit of color, have a collection or two of things that may not really be necessary but make us happy. It’s probably a good idea to go through once every year or two and clean out our stuff, throw away clothes that haven’t fit in years or dishes that might be pretty but are broken and just live in the garage now.

So where do you fit into the spectrum? Do you like to pile on the color and texture in your home, or do you prefer a more serene environment?

Whether you’re into minimalism or maximalism, we can help you find your next home to make your own. Visit DarleneReeves-Kline.com to search our listings.

Pickin’ in East Tennessee

People around here buy and sell anything from lamps to antique mason jars…

Rural East Tennesseans are no strangers to the “gettin’ it done” mentality. Only a few short generations ago, it took hours—even days, for those living way up in the hills—of arduous travel just to get to the nearest town of any size. So, if you needed farm implements, kitchen staples or even clothes, you made very certain you loaded up on all you could in that semi-annual trip to town.

As a result of living so remotely, people in East Tennessee made do with what they had. They learned to make just about everything with what was available: barrels, boats, furniture, homes, clothes, preserves … you name it, it could pretty much be conjured with some hard work and creativity. And, people didn’t throw away anything that had some kind of use left in it!

These days, of course, just about anything a body could need is a short drive into town or a decisive click of the computer mouse away. But that creative philosophy of life never quite left folks in this part of the world. One of the best results of this is a thriving flea market economy. People around here buy and sell anything from lamps to antique mason jars, and if you’re willing to spend the time hunting, you can find what you need. (Or what you didn’t even know you needed!) And, of course, the hunt is most of the fun!

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Some flea markets, like the Porter Flea in Nashville, are an annual event, worth the pilgrimage if you want to combine a vacation with a pickin’ trip. Others are closer to our neck of the woods, like the Centre Brick Indoor Flea Market in New Tazewell or the Green Acres Flea Market in Louisville (near the airport, just outside of Knoxville.)

If yard sales get your creative gears cranking, there are plenty of events in Tennessee for you. Every weekend in the summer, sometimes starting as early as Thursday morning, you can find yard sales. If it’s a big event you’re looking for, Tennessee has annual yard sale events that stretch for miles along our highways! A little bit west of here, in Fentress County, there is the annual 127 Corridor yard sale. This one’s coming up: August 3-6, 2017. It actually stretches from Addison, Michigan, to Chattanooga, Tennessee! Next spring, plan for the U.S. 11 Antique Alley and Yard Sale, which runs from Meridian, Missouri to Bristol, Virginia.

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Need a little inspiration for what to do with your newfound trash-to-treasure? Check out this article from Good Housekeeping. You can turn out-of-date end tables into a Lego brick paradise, colanders into planters, and jars and cans into anything from candle holders to terrariums. If something has “good bones,” you can find a fantastic use for it! And, really, nothing makes a house into a home more than the hand-made touch.

So, get pickin’! And, if you see a property you like while you’re out searching for antiques and up-cycle projects, visit DarleneReeves-Kline.com. We’ll be happy to help you find your East Tennessee home!