INSIDE This Edition - Smithville`s Stella Luna gallery closing after 10

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August 2006 | Issue 20
A Voice For Upper Cumberland Businesses
Oreck chooses Cookeville, brings at least 170 jobs
CoLinx set to expand
in Crossville
The Cumberland County
Commission recently approved
a payment-in-lieu-of tax
agreement for CoLinx LLC
that will be used to help the
company construct and equip
a 50,000 square-foot high bay
storage area with an automatic
storage and retrieval system.
The expansion represents a
capital investment of $12.5
million and the creation of
an estimated 31 new jobs.
CoLinx provides e-business and
logistics services.
Company president Tom
Oreck reveals future plans
in CBJ exclusive interview.
BOBBIE MAYNARD
bobbie@ucbjournal.com
Hurricane Katrina hit
Oreck Corp. hard last August,
damaging both the company’s
New Orleans headquarters
and Gulf Coast Mississippi
plant. Rebounding back from
that devastation, Oreck was
the first to reopen a national
headquarters in New Orleans
and reopen a plant on the Gulf
Coast.
That’s also the same time
Oreck began to consider a
second manufacturing site
in the central United States,
which eventually led the
company to Cookeville.
“Thanks to a lot of good
luck, good planning and good
people, we were able to start
operations at our Mississippi
facility 10 days after the
hurricane,” explained Tom
Oreck, president and CEO
of Oreck. “At that time, as
a company, we also came
to the realization that we
were carrying too much
risk in having only one
manufacturing facility. Plus,
we needed a second location
for future growth and new
O N L I N E
Reader Opinion Poll
How important is recruitment
of retirees to your county?
a) Equal to recruitment of industry
and business
b) A part of overall economic
development plan
c) Not a desireable strategy
visit www.ucbjournal.com
Last Month’s Poll Results
Where will you spend your
summer vacation?
a) Somewhere local
(about an hour’s drive) (19.1%)
b) Outside the region (within a few hours’
drive ) (9.5%)
c) Out of the state (33.3%)
d) Out of the country (23.8%)
e) Vacation? What’s a vacation? (14.3%)
See page 9
product innovation.”
According to Oreck, the
company began looking for a
second facility site in January
2006. A central location was
necessary for distribution
purposes. Oreck considered
locations in Indiana, Kentucky,
Arkansas, the Carolinas and
Tennessee.
“It was a combination of
many factors that made us
choose Cookeville,” said Oreck.
“First, the area is a really
good, healthy environment
for business. Second, the work
force is dedicated and has a
strong work ethic. Cookeville is
also very family-oriented. That
appealed to us because Oreck is
a family business. The area is
also beautiful and has a great
quality of life.”
Oreck commented that
the company was fortunate
enough to find a perfect fit
with Cookeville’s existing
TRW Vehicle Safety Systems’
facility. Last summer, TRW
unexpectedly announced the
imminent closure of its 310,00
square-foot plant, eliminating
almost 400 jobs. TRW is slowly
phasing out production and
expects to fully close by the
middle of the third quarter in
2007.
Oreck has entered into
an agreement to purchase
TRW’s Cookeville plant for an
estimated $10 million. Initially,
Oreck will occupy 150,000
square feet until TRW totally
SEE ORECK PG. 4
Eaton Corp. closes hydraulics assembly facility in Gainesboro
BOBBIE MAYNARD
Diversified industrial
manufacturer Eaton Corp.
recently announced plans to
close its hydraulics assembly
operation in Gainesboro by the
end of the second quarter in
2007. The closure will affect 114
employees.
According to Eaton plant
manager Wes Thompson,
all metal and hose assembly
currently done at Gainesboro
is targeted to relocate to other
Eaton facilities in Mexico.
“The closure of this
hydraulics assembly plant will
be carried out as a phased
reduction with group layoffs of
employees until production at
the plant is completely phased
out,” said Thompson.
Thompson stressed that
the 100 employees at Eaton’s
other Gainesboro machining
operation, which resides in
a separate Eaton facility,
will not be impacted by this
announcement.
According to Jackson County
Executive Charlie Hix, the
news of the closure came as a
surprise.
“The county didn’t have any
advanced warning from Eaton
about the closure decision,”
explained Hix. “We worked
very hard to get Eaton to locate
its assembly plant here. When
Eaton made its announcement
about the closure, it was pretty
cut and dry with no room for
discussion on how to get the
plant to stay here.”
Hix added that Eaton’s
hydraulics assembly plant
SEE EATON PG. 4
INSIDE This Edition
Retired couple operates unique
carriage business in
Clay County.
SEE BOBKAT PG. 3
Sweet Success
Local baker creates one-of-a-kind cakes at
Sweet Sallie’s.
SEE SWEET PG. 5
TACO Metals
New employer chooses
Sparta for distribution
center.
SEE TACO PG. 6
Executive Profile
Meet Renaissance retiree Ron
Reynolds.
SEE PROFILE PG. 8
CUMBERLAND BUSINESS JOURNAL
705 NORTH DIXIE AVE
COOKEVILLE, TN 38501
No Horsing Around
PRSRT STD
U.S. POSTAGE PAID
CROSSVILLE TN 38557
PERMIT NO. 1
2
August 2006
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August 2006
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Carriage company finds success in rural U.C.
INSIDE
This Edition
Three companies in Putnam
County continue to grow.
PG. 7
Special Section
on Retirement
Retirement as an Economic
Driver PG. 9
A New Generation of Retirees
– Baby Boomers PG. 11
Hours
of
grooming
and decorating prepare
Tammy and King, a
brother and sister team
of Percheron horses,
for special occasions.
Canadian retirees Bob
and Kate Bowslaugh
offer
their
Celinabased BobKat Carriage
Company for weddings,
corporate events, tours
and hayrides throughout
the Upper Cumberland.
Photo: Claudia Johnson CBJ
Cumberland County
Boasts Three Retirement
Communities PG. 12
Retired couple, who
relocated to Celina, brought
business with them.
Optional Plans for Retirement
Savings PG. 14
CLAUDIA JOHNSON
claudia@ucbjournal.com
Retirees’ Impact on Health
Care PG. 15
Q&A
A conversation with Ramay
Winchester of the state’s Department
for Economic and Community
Development. PG. 16
Area Agency on Aging and
Disabilities serves U.C.
seniors and more PG. 18
Recreation Opportunities
Attract Retirees PG. 20
MIKE MCCLOUD
Publisher
CLAUDIA JOHNSON
Editor-in-Chief
DARRELL KERLEY
Production Manager
JESSE KAUFMAN
Photo Editor
Editorial Staff
Bobbie Maynard
Greg LaPlant
Meredith Purcell
Drew Smith
Design & Production
Randall McCloud
Marcia Mansell
Advertising Staff
Cryste Atnip-Dalton
Lea Ann Wilhite
Lisa Glover
Administrative Assistant
Patti Godwin
Produced by MMA Creative
The Cumberland Business Journal is
published monthly by PTT Ventures, LLC.
It is produced by MMA Creative at 705 N.
Dixie Ave., Cookeville, TN 38501. PHONE:
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is made to present factual information;
neither the Cumberland Business Journal,
nor PTT Ventures can be held responsible for
opinions expressed or erroneous information
provided by contributing writers. Cumberland
Business Journal© by PTT Ventures, LLC.
All rights reserved unless granted by written
permission. Call for subscription rates.
Canadians Bob and Kate Bowslaugh,
owners of BobKat Carriage Company,
explored throughout the Southern
United States before choosing a
mountainside spot near Celina as their
retirement home. Bob said they settled
on the Upper Cumberland for “the great
year round weather, friendly people
and because Tennessee is so lush.”
“The Niagara and Southern Ontario
region, as well as the U.S. side of the
border in that area, is very ‘hurry up,’”
Bob observed, adding, “This is a much
nicer pace.”
Relocating with the Bowslaughs were
Tammy and King, a brother and sister
team of Percheron horses that were
among the 50 once housed at their 40acre farm in Ontario. There they offered
a number of equestrian activities,
including English and Western riding
lessons. Their farm offered two indoor
arenas and a huge party room called
the Long Branch, used by locals as a
place for meetings and celebrations.
“The farm also had a petting zoo
with chickens, pigs, peacocks and even
deer,” Kate recalled.
However, it was the carriage service
they most enjoyed and was the part of
their Canadian farm they brought to
Tennessee.
“We’ll travel to any event and cater
to any occasion,” Bob said, explaining
that prices start at $200. “Kate and I
will dress in formal, Western or casual
attire. The horses are decorated for each
event, sporting ribbons and bows to
match the bridal party or prom queen.”
The couple said that in Canada their
carriages and wagons were booked
almost every weekend for some type of
event, mostly weddings, hay rides or
Niagara winery tours.
On their Web site, www.
bobkatcarriage.com, they extend a
special invitation to those who, like
themselves, moved to the region from
colder climates.
“What a great way to treat your
Northern guests to some good old
southern hospitality with a casual
hayride around town,” they urge.
Bob grew up with horses and is
trained in blacksmithing. Now retired
from his tool and dye position, Bob
said he still enjoys the horses, but also
delights in fishing and swapping “onethat-got-away” stories with the locals
in Celina.
Kate continues to work as a
veterinary technician and devotes
much of her personal time to her love
of animals.
“After many years of horse shows,
fairs and competitions, I now prefer a
peaceful ride up the mountains around
Celina to enjoy the view,” she said.
Kate said she also enjoys cooking in
mass quantities for numerous friends
and guests, especially the couple’s
grown children who visit when
possible. Bob has become actively
involved with the Clay County Tourist
Board, an organization he hopes will
make a difference in bringing people
and revenue to the region.
The Bowslaughs are in the process
of restoring their home, a vintage
country house featuring an eclectic
mix of furniture and art, architectural
details and personal collectables. They
raise chickens in a rescued coop on
the property, and their lawn features
a variety of plants, an herb garden
and a plethora of unusual decorations
and containers, like a friend’s old
work boots spilling over with colorful
flowers and a well-used Remington
typewriter circa 1910.
Bob and Kate hope to develop their
carriage/hayride business throughout
the region and encourage individual,
organizational or business clients to
call for detailed quotes and packages.
broadcast,” said Hill. “I’d really like to
get us to where we can do that, but
we’re not there yet. n
BIZ BIO
BIZ: BobKat Carriage Co.
OWN: Bob & Kate Bowslaugh
CITY: Celina
TEL: (931) 243-4535
WEB: www.bobkatcarriage.com
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August 2006
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EATON
FROM PAGE 1
in Gainesboro had only been in
operation for three years.
“This has been an extremely
difficult decision to make because of
the impact it has on everyone at the
Gainesboro assembly operations,”
said William VanArsdale, Eaton vice
president and president of hydraulics
operations, in a released statement.
“This announcement is in no way
a reflection of the contributions of
this team. It is driven by our need to
focus on product lines and processes
where we can bring significant value
and improve our overall efficiency.”
Thompson said that employees
impacted by the plant’s closure will
receive at least 60 days notice in
advance of their positions being
eliminated. Full- and part-time
employees whose positions are
eliminated will be offered Eaton’s
severance benefits, which include
outplacement services.
“We understand the impact this
has on our employees and are taking
steps to ensure these actions are
carried out with care and concern
for all of the individuals involved,”
VanArsdale stated. “Our goal is to
help impacted workers transition to
new careers and we will be working
with county officials and agencies
to discuss local opportunities for our
employees.”
Because Eaton is transferring
these jobs to facilities in Mexico,
Gainesboro workers will be eligible
for the Trade Adjustment Assistance
Program. This federally funded
program provides assistance to
workers affected by job loss or their
hours and wages cut due to increased
imports or a shift in production to a
foreign country.
Eaton reported $11.1 billion in
2005 sales. According to its Web site,
Eaton is a global leader in electrical
systems and components, fluid power
systems and services, intelligent
truck drivetrain systems and
automotive engine air management
systems, powertrain solutions and
specialty controls.
The company has an estimated
60,000 employees and sells products
to customers in more than 125
countries.
Future Of The Facility
The Jackson County Industrial
Development Board owns the 44,000
square-foot facility that Eaton is
currently leasing for its hydraulics
assembly operation. Hix added
that the original lease was set as a
20-year contract and that county
officials and the industrial board will
be negotiating that contract with
Eaton.
“We’ve got several prospective
businesses looking at different
facilities, now including this one, in
our area,” said Hix.
“We can’t guarantee any new
companies will locate here, but
we’re working hard to bring in new
employers to create much-needed
jobs for our county.” n
ORECK
FROM PAGE 1
vacates the facility. The two companies
will coexist for a time as TRW phases
out and Oreck phases in. Oreck plans to
bring 170 new jobs to the city with the
possibility of adding to that number.
With Oreck equipment already being
moved into the facility, the company
expects to have the first vacuum cleaners
roll off the line as early as September.
“We will be manufacturing the same
core products that we currently produce
in Mississippi,” he said. “Those are the
upright vacuums and compact canisters.
We have plans to add to those product
lines, which will also add to the work
force in Cookeville.
“As of now, we don’t know if any of
Oreck’s parts suppliers will also expand
into Tennessee. But as we grow in
Cookeville, I wouldn’t be surprised to see
that happen. It’s fairly normal to expect
parts suppliers to be close to where the
manufacturing takes place,” continued
Oreck.
Opportunities also exist for a potential
Oreck retail location in Cookeville as the
company grows.
“For me, the most important thing
from our perspective is that most
companies today are moving offshore,”
said Oreck. “Oreck is committed to
bringing quality manufacturing jobs
to the American work force. Our new
Cookeville location is the most recent
example of that.
“Not only do we want to create quality
jobs at competitive wages, but we also
want to be involved in our communities.
Oreck pledges to be a good corporate
citizen and add value to the Cookeville
area.”
With a tradition of giving back to
the community and taking good care of
its employees, Oreck participates in a
variety of charities. Most recently, Oreck
exceeded its national fund-raising goals
benefiting the Susan G. Komen Breast
Cancer Foundation in the fight against
breast cancer. Oreck raised $380,600,
which surpassed the projected $250,000
contribution. n
Oreck Corp. has entered
into an agreement to
purchase TRW’s 310,000
square-foot facility in
Cookeville.
Photo: Jesse Kaufman CBJ
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August 2006
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Sweet Sallie’s creates custom cakes for special occasions
Cookeville confectioner brings
a little taste of the ‘sweet’ life
to the community.
CLAUDIA JOHNSON
Sweet Sallie’s cakes are created from
imagination.
“This region is growing, and I
knew people would be interested in
more details than those offered in
grocery stores,” Beth McWilliams said,
explaining why a year ago she chose to
open her custom cakery in Cookeville.
“We are doing very well, I’m happy to
say.”
McWilliams occasionally uses
two part-time employees, but she’s
committed to making each cake personal
and usually does most of the work.
“I like being a part of birthdays,
anniversaries and other special
occasions, but I really love providing
the centerpiece of a wedding,” she said.
“I love making people happy with food.”
Creating beautiful and delicious
confections using real butter, European
chocolates and fresh cream makes
Sweet Sallie’s cakes more expensive, but
McWilliams said her customers attest to
the value.
“Most of my business has been by
word of mouth,” McWilliams said. “If
you make 20 good cakes, those 20 tell
20 more and it goes from there.”
Sweet Sallie’s cakes are layer cakes,
concocted from McWilliams’ original
recipes and mixtures of others that
she found intriguing. Round cakes are
generally four layers with three layers of
Photo: Jesse Kaufman CBJ
I love making people happy with food.
Most of my business has been by word of
mouth. If you make 20 good cakes those 20
tell 20 more and it goes from there.
BETH MCWILLIAMS – Sweet Sallie’s
filling. Sheet cakes are two layers with
one layer of filling in between. They are
covered with a rich buttercream icing
and decoration of choice.
“I worked in a real bakery in Knoxville
for three-and-a-half years, and that’s
where I got my style,” McWilliams
said, describing that style as “freehand,
no cake molds and a little more
contemporary.”
Cakes are separated into two flavor
categories and base prices: mix-andmatch and specialty. A simple border
and inscription is included in this
pricing, but custom decoration is an
extra charge depending on difficulty.
McWilliams will prepare a quote from
customers’ ideas or pictures.
“Wedding cake prices start at $3 per
serving,” she said unapologetically,
adding that prices increase depending on
the difficulty of the decoration/design of
the cake.
Smaller “special occasion” cakes
must be ordered at least a week prior to
pickup, but McWilliams requires orders
several months ahead for wedding cakes
because her schedule fills up so quickly.
“Cakes are baked from scratch and
as close to the event as possible, so the
flavor is better and fresher than storebought,” she said.
However, Sweet Sallie’s, named for
McWilliams’ grandmother and located
in a vintage Cookeville building that
once housed Sparks’ Grocery Store on
618 Hudgens St., usually has extra cakes
and cupcakes available – first come, first
serve – when the bakery is open.
A full list of cake possibilities with
tantalizing photographs is available at
www.sweetsalliesbakery.com.
“Using my Web site is very helpful,”
McWilliams suggested. “I stay pretty
busy, so it’s great if people do some
research before we meet.”
Customers can schedule a personal
consultation during business hours,
Tuesday-Friday between 10 a.m. and 4
p.m. The bakery is open by appointment
only on Monday and Saturday and is
closed on Sunday. n
BIZ BIO
BIZ: Sweet Sallie’s Bakery
PROD: Beth McWilliams
CITY: Cookeville
TEL: (931) 526-6556
WEB: www.sweetsalliesbakery.com
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If you need quality, well-built patio, deck or
sunroom furniture or accessories, come see
our 5000 sq. ft. inside showroom. We can
help you with color, shape and size.
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www.funpatio.com
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August 2006
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TACO Metals chooses White
Co. for new distribution center
New company will occupy the
Terry Howard spec building on
Smithville Highway.
BOBBIE MAYNARD
The city of Sparta will soon have
a new employer. The Sparta-White
County Chamber of Commerce recently
announced that TACO Metals will
locate a new distribution center in the
Terry Howard spec building located on
Smithville Highway.
“We are very
excited that TACO
Metals has decided
to locate here,” said
Wallace Austin,
president of the
Sparta-White
County Chamber
of Commerce.
“According to
preliminary plans,
the company initially expects to
employ at least 50 workers in five
years.”
Austin indicated that the number of
potential jobs could reach as high as
150.
With its corporate headquarters
based out of Florida, TACO Metals was
founded in 1959 and is known as a
leading manufacturer and distributor
of marine products for the boating
industry. According to Austin, the
54,000 square-foot facility in Sparta
will be used as the company’s new
distribution center for its products,
which are manufactured in Miami.
When it comes to its distribution
centers, TACO’s Web site states,
“Regional distribution centers
provide warehousing and inventory
management programs tailored to
each customer’s specific needs. Using
sophisticated ERP information systems,
TACO tracks and manages customer
product usage, reducing customers’
stock levels and carrying costs.”
TACO manufactures a variety of
products, including rub rail and
tower hardware to innovative sport
fishing products.
The company
also specializes
in new product
development,
custom fabrication,
global sourcing,
custom finishing,
quality and supply
chain management.
“The TACO
company expects to close on the
Howard spec building by the end
of this month,” explained Austin.
“We wanted to go ahead with the
announcement because the industrial
board has passed an incentives
package that now needs the approval
of the local government.”
Austin said the proposed incentives
package includes a payment in lieu of
taxes (PILOT) program on real estate
and personal property taxes tied to job
creation over a 15-year period. Taken
together, the incentives total more than
$297,000. n
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IT’S MY LIFE.
I joined the Averitt team in 1979 as associate number twelve. Over the past
27 years, I’ve had the opportunity to make tens of thousands of deliveries
around this area. In fact, serving customers in the Upper Cumberland has
become more than just my job. It’s a big part of who I am.
People ask me what has kept me here all this time. I say, because I can’t
think of a better team to make a living with…or a better place to make a life.
I’m David Adams, proud Cookevillian and Averitt associate.
1415 NEAL ST. • COOKEVILLE • 1.800.AVERITT • averittexpress.com
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August 2006
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Putnam County announces three new job-producing projects
Recent announcements by FixturWorld, Dacco and Filter-Fab brought
the promise of new jobs and industrial
growth to the Cookeville area.
“We are eager and happy to help
any company, whatever its size, to
locate or expand here,” said Allen
Ray, a Cookeville Area-Putnam
County Chamber of Commerce board
member and the volunteer vice
chairman of the Chamber’s Economic
Development Division. “We have all
seen modest companies grow into
mega corporations. The important thing
is that new or expanded companies
create jobs. To us, that is the bottom
line for all our efforts toward economic
development in the Highlands.”
Fixtur-World Inc.
Fixtur-World Inc., which began
creating a national footprint in
designing, manufacturing and
installing food services furniture and
fixtures and commercial/retail fixture
displays in the 1980s, has occupied
and begun work in the 50,000 squarefoot Gold Medal building in Baxter to
accommodate a major contract with
Lowe’s.
“We’re thrilled,” said Horace L.
Burks, Fixtur-World president. “We’re
happy that the Lowe’s contract is
allowing us to generate new jobs for
the community. We also have plans to
introduce another new product line of
our own down the road.”
The company has already beefed-up
its work force by 25-30 new jobs, but
Burks could not say at this time that
the company’s new product line would
create even more jobs.
Fixtur-World now has about 130
employees, Burks said. The company’s
capital expansion in Baxter is in the
$500,000 range.
The contract with Lowe’s requires
the company to manufacture kitchen
fixture displays for new Lowe’s stores.
Fixtur-World already has contracts
with the U.S. Postal Service and four
of the nation’s largest food services
companies.
“We share Horace’s enthusiasm,” said
Rick Larsen, Chamber board chairman.
“We are certainly appreciative of
the new jobs his company brings to
the county and to the Highlands of
Tennessee, and we look forward to
enjoying the company’s success and
future growth.”
Dacco Inc.
Dacco Inc. is undertaking a major
expansion expected to create 70 new
jobs at its Cookeville facility. With
56 locations and 200 independent
distributors from coast to coast,
Dacco is a world leader in the
remanufacturing of automotive
torque converters and other related
transmission parts.
Cookeville was in competition with
locations in Mexico and Michigan
for the $675,000 capital investment
expansion requiring additional
equipment, according to Ray Jones,
general manager of the local plant.
Jones said “proactive and creative
assistance at all levels, especially at
the state level, with Governor Phil
Bredesen’s pro-business initiatives,”
helped bring the new jobs here.
“These local manufacturing jobs
represent additional stability for the
community,” Jones said. “I’m glad we
won.”
Dacco has been in Cookeville since
1972. Company-wide, it has nearly 600
employees, about 350 of them here.
Wages for the new jobs will average
about $13.50 per hour.
“Our appetite for lean manufacturing
led to the expansion,” Jones said. “We
were able to consolidate and move
some products here for manufacturing.”
Jones, who spent 16 years with Ford
Motor Company in several high-level
roles before joining Dacco in 2002, said
Dacco has already hired 24 workers
since April but will employ 35 more by
Aug. 14, with the remaining jobs to be
filled over time.
George Halford, president/CEO of the
Cookeville Chamber, along with the
Chamber’s economic development staff,
coordinated a lot of the information
required to move the project forward.
“It’s terrific news,” Halford said.
“These are the kind of new direct jobs
that lead to more new indirect jobs.
This is the kind of project that is a
perfect fit with our three-county, fouryear Highlands Initiative.”
Filter-Fab
Filter-Fab Corporation, which
began operations in November 2005,
fabricates fuel and oil filters for various
industrial uses. Cookevillians Ian Bartik
and Paul Swallows purchased the
company, formerly known as Murphy’s
Filtration, and relocated the plant to a
15,000 square-foot facility at 2188 Fisk
Road in Cookeville.
Bartik also presides over Cookeville’s
Filter-Mart Corporation, a distributor
of industrial filters. He worked with
Murphy’s Filtration for several decades.
When the owners decided to retire,
Bartik and Swallows purchased the
company, renamed it and moved
its headquarters from Carrollton,
Ga. Swallows is a certified public
accountant in Cookeville.
“It was a natural fit for us,” said
Swallows. “Our team has over 40 years
of filtration knowledge and experience.
We’re pleased to relocate this kind
of manufacturing company to the
Cookeville area.”
Filter-Fab’s filter cartridges are used
for diesel and jet fuel applications,
as well as turbine oil. The company
also develops custom-built filters
for a variety of industries, including
transportation, environmental,
pharmaceutical and industrial
corporations.
“We’re shipping filters to hundreds of
customers worldwide,” said Swallows.
“We’re really looking to grow in the
near future and are expecting to double
our employees in the next year.”
Filter-Fab began operations here with
10 employees.
“It’s a real good thing to have new
jobs brought in from outside the
region,” said Halford. “It’s excellent to
have entrepreneurs and locally owned
businesses contributing to the economic
growth of the region. Filter-Fab’s in
a good market. They’ve carved out a
niche for themselves, and we believe
there will be lots of growth to come.”
n
– Cookeville Area-Putnam County
Chamber of Commerce.
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HOW TO HIRE
to a candidate’s
STRENGTHS and
to YOUR NEEDS
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(931) ��
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8
August 2006
www.ucbjournal.com
[ PROFILE ]
E X E C U T I V E
R O N
R E Y N O L D S
CLAUDIA JOHNSON
Ron Reynolds is a Renaissance retiree, equally comfortable riding
his mountain bike, creating art, playing sports or volunteering for his
church.
Having relocated to the mountains and lakes of Fairfield Glade after
a diverse 30-year career with Ford Motor Co., Reynolds says in amazement that his retirement
has been “the fastest 14
years of my life.”
The Illinois native
graduated from St. Louis
University and spent
three years in the U.S.
Marines as a commissioned officer.
“I gained experience
in leadership and management,” the former
lieutenant said. “Marines
learn loyalty, teamwork,
pride for our country,
esprit de corps.”
Finding himself with
a growing family when
he left the Marines in
1962, Reynolds began
circulating his résumé.
When Ford called, his
first thought was, “Why
are you interested in
me?” He was even more
surprised at his assignment as a financial analyst, since his liberal arts
education provided no
particular emphasis on
finance or accounting.
“They wanted a person who could analyze and get behind the numbers, see the implications and get a grip on the whole company,” he
learned. “I knew it was a start, but I did not want to stay in finance. I
always sought out other jobs I wanted, and I had 16 jobs there.”
Along the way he worked on product marketing and was instrumental in planning how to present new carlines to the public. As product
marketing plans manager he helped introduce the Pinto, Maverick,
Granada and Fairmont. However, he remembers the company’s woes
with the Pinto as a “disturbing” time.
“The problem wasn’t so much with the car itself as it was the problem
of another car hitting it at excessive speeds,” he explained, still a little
disgusted that footage touted by a television news magazine as an actual explosion was faked through use of an incendiary device. “That’s
when I developed my distrust of the media.”
Regardless, his job was to make the public feel safe in the Pinto.
“Pinto owners loved their cars,” Reynolds said. “Extensive research
with owners revealed that their extended families owned several Pintos, sometimes in excess of a dozen. We called them ‘Pinto families’ in
an advertising campaign to help restore confidence in the product.”
Another of his memorable responsibilities was to place clay prototypes that looked like real cars in research clinics to collect consumer
opinion on models in development. After these test showings, he had
to present the results,
sometimes negative, to
designers. Laughing, he
recalled one tongue-incheek response.
“I already have to design a car to please Henry Ford and Lee Iacocca,
and now you’re telling
me I have to please the
public too?” the designer asked him.
His last years at Ford
were spent in advertising, initially for the
Ford division car lines
and finally for Ford Motor Company, overseeing campaigns to shape
corporate image.
“All the previous jobs
at that point came into
focus,” he said. “I had
the background to know
how cars were developed and how to present product strengths
and company image to
the public.”
He is proud to have
worked with some of
the largest and most prestigious advertising firms in the world, including J.Walter Thompson and Wells, Rich and Greene. Through WRG he
worked with the most powerful and successful woman in the history
of advertising, Mary Wells, who created many of the campaigns for
national brands, including the ads for Alka-Seltzer that became part of
American pop culture history.
“She was the best creative person I’ve ever run into,” he recalled. “It
was one of the highlights of my career working with her.”
During Reynolds’ time as Ford’s corporate advertising manager, the
company’s long-time slogan “Quality is Job One” was introduced with
a campaign featuring employees talking about their pride in workmanship.
“If I had to do it all over again, I’d do it the same way,” Reynolds
said. “The jobs got better; the rewards got better. Ford was a great company to be with.” n
T H I S
B R O U G H T
E X E C U T I V E
P R O F I L E
You & Us.
Working together to address
your financial needs.
T O
115 N. Washington Avenue
Cookeville, TN 38501
931-528-5426
800-359-2723
©2006 UBS Financial Services Inc. All Rights Reserved. Member SIPC.
Y O U
B Y
U B S
August 2006
9
www.ucbjournal.com
Retirees gaining momentum as the new avenue for development
Analysts and experts
discuss strategies that get
results for rural areas.
BOBBIE MAYNARD
Once stereotyped as drains on local
economies, today’s retirees are hot
commodities rivaling the allure of new
business recruitment. At home in the U.C.
and across the nation, communities are
vying for a piece of the retirement pie,
hoping to cash in on retirees relocating
to their areas.
By definition, retirement is most
often referenced by two characteristics
– nonparticipation in the labor force and
receipt of income from pensions, Social
Security and other retirement plans. So
why are communities trying so hard to
attract retirees?
“Traditionally, there have been two core
strategies when it comes to economic
development,” explained Mark Fagan,
professor and head of the Department
of Sociology and Social Work at
Jacksonville State University in Alabama.
“One strategy is to produce something
and sell, as is the case with agriculture
and manufacturing. The other route is
have people bring in money to your area,
as in commercial development, tourism
and retirement.”
Fagan, whose expertise and research
focus is on the economic impact of
retirees and strategies for recruiting them,
said that retirees are particularly well
suited for economic development in rural
areas.
“Rural areas have to look at the
alternatives to the traditional ‘smoke
stack chasing’ and ‘silicon sweepstakes’
strategies for development,” commented
Fagan. “In a given year, there might be
300 companies looking to relocate plants.
That might sound like a good prospect,
but the numbers shrink when you realize
that 30,000 different communities are
competing for those 300 companies.
“As for retiree recruitment, when
retirees come to an area, they spend their
money locally, so dollars are kept in the
community,” continued Fagan. “This has
the desired positive economic impact.
Plus, the rural community saves in the
long run because it’s not giving away
huge tax abatements or other incentives
like when they are trying to attract a
large company.”
Attracting retirees is part of Fagan’s
RITE strategy for rural areas, which
includes retirement development,
incubating local industry, tourism
development and expanding existing
industry.
Fagan noted that those age 50 and
over control 77 percent of personal assets
and have 80 percent of their money in
savings accounts. In addition, 77 percent
own their homes and do 70 percent of
tourism spending.
Connection Between Tourism
and Retiree Recruitment
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As reported in the May edition of the
CBJ, bolstering tourism initiatives and
promoting attractions has become a focus
for many counties throughout the region.
The U.C. offers plentiful recreation
opportunities with lakes, parks, historic
sites, festivals and more. According to
Fagan, growing tourism development
goes hand-in-hand with attracting
retirees.
“Over time, tourism efforts will evolve
into factors for retiree recruitment,” said
Fagan. “If your area becomes a popular
tourist destination, more likely than
not it will also become a retirement
destination. Many people think of
retirees as ‘permanent tourists.’ The more
time retirees spend in an area, like on
vacation, then the more likely they will
want to retire there.”
According to Fagan, a key difference
is how the area is promoted as both
a tourist destination and retirement
location. He said many tourism brochures
SEE RETIREMENT PG. 10
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We provide a full range of insurance products and services
in communities throughout the Upper Cumberland area.
Our roots are small town, and our service has the same
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what coverage you require, stop by, and let us give you our
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10
August 2006
www.ucbjournal.com
RETIREMENT
FROM PAGE 9
are “sizzle” and that retirees want
substance.
For communities looking at retiree
development, Fagan pointed out that the
first step is for local officials and leaders
to organize a committee of people to
access what the community has to offer,
focusing on the substantive areas, such as
cost of living, tax rules and health care.
Then, a general brochure should be
developed, as well as a retirement guide
and Web site.
“From there, you would probably want
to analyze the demographics of retirees
in your community, as well as national
trends, to see where retirees are moving
from,” he said. “That’s when you can
begin a targeted marketing campaign
in those states. At the same time, your
community should attend trade shows,
talk with travel writers and spread the
literature throughout your state at hotels
and attractions.”
Understanding the costs associated with
broad marketing campaigns, Fagan said
communities should devote a portion
of their economic development funds
for these activities. He also stressed that
retiree development is not a “panacea”
and that communities should do retiree
recruitment in addition to other economic
strategies, not instead of them.
“In terms of benefiting the community,
one retiree household has the same
economic impact as three to four
manufacturing jobs in terms of money
and spending power,” explained Fagan.
“In-migrant retiree households typically
have $400,000 in total assets, $40,000
in annual income, do 85 percent of their
spending locally and pay more taxes than
they cost in services.”
What Attracts Retirees?
The Southern Strategy
On average, most retirees who are able
to relocate for retirement are healthy,
wealthy and well educated. Traditionally,
the top three retirement destinations
in the United States have been Florida,
Arizona and California. That trend is
changing.
“Rural areas in the South are gaining
momentum in attracting retirees,” said
Fagan. “These areas are quiet, have
outdoor recreation, a lower cost of
living and a mild four-season climate.
Tennessee benefits from all these, in
addition to having lakes and landscapes
retirees want. Easy access to an outside
urban area is also desired.”
The rise of Florida as a mecca for
retirees is directly connected to its
popularity as a tourist destination,
especially for those from the East Coast
and Great Lakes area. However, over the
past three decades, rapid development
that’s increased the cost of living,
combined with a longing for a fourseason climate, has caused some retirees
to reconsider Florida as their golden
years’ home.
“Sea coasts are so expensive in terms
of building and real estate,” commented
Fagan. “Also the hurricanes that have
ravaged the coast and caused devastation
and destruction have made retirees not
want to rebuild. So instead, they are
moving halfway back from where they
originally came from. Places like North
and South Carolina, as well as Georgia
and east Tennessee, are now seeing an
influx of retirees from Florida and other
coastal areas. Proximity to grandchildren
is also important.”
Once retirees relocate to an area,
several economic industries can expect
A UNIQUE CASE STUDY
IN DISCUSSING RETIREE
DEVELOPMENT SPECIFIC TO
THE U.C. REGION, Fagan noted the
success of the Fairfield Glade community.
[See “Retirement communities offer distinctive
options for development” on page 12 for more
information.]
“Physically planned retirement communities
are not necessarily the primary component
of a successful retiree recruitment strategy,”
explained Fagan. “Whatever a community has
determines the retirees that come. However, as
far as planned communities go, Fairfield Glade
is widely known as a success.”
Marketing itself independently as a resort and
retirement destination in addition to community
efforts, Fairfield Glade has grown tremendously
in the past 20-plus years of its existence. A
special census conducted in 1999 revealed
interesting demographic data about just what
kind of retirees were moving into the town.
Henry Bowman, an analyst with the Upper
Cumberland Development District, said the
census data provided evidence about two
distinctive features of Fairfield Glade retirees
when compared with the rest of Cumberland
County’s population.
“The statistics show that particular retiree
population is obviously affluent and well
educated,” said Bowman. “The implications
of that is they enhance the community without
becoming a burden on the system.”
Profile of General Demographic Characteristics
Geographic Area
Total Population
Median Age
Educational Attainment: High School Graduate
Educational Attainment: Bachelor’s Degree
Nativity & Place of Birth: Different State
Income in 1999:
Median Household Income*
Income in 1999:
Median Family Income*
Fairfield
4,885
66.1
27.5%
21.1%
78.4%
Cumb Co.
46,802
42.5
35.6%
8.3%
39.1%
$42,800 $30,901
$45,938 $35,928
*Bowman noted the difference between household and family income. Household means occupied,
such as two single, elderly persons sharing a residence. Family means two or more related people
sharing a residence.
SOURCE: U.S. Census Bureau
an increase in growth. These include: real
estate, finance, health care, recreation
and entertainment, hospitality, retail,
utilities and tourism.
Community benefits from inmigrant retirees include: creating and
retaining jobs, increasing the tax base
by increasing the number of positive
taxpayers, increasing the community
deposit base (in local banks) for financing
infrastructure and other development,
increasing retail sales, increasing the
number of volunteers and enhancing the
overall quality of life. n
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3536 Old BonAir Rd. • SPARTA, TN 38583
(931) �� • FAX: (931) 935-3736
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August 2006
11
www.ucbjournal.com
The baby boomer generation is set to redefine retirement
The rules change as the
most celebrated generation
enters its golden years.
MEREDITH PURCELL
info@ucbjournal.com
The traditional version of retirement
began in the mid-1930s as a means
to remove older individuals from the
work force so that jobs would open
for younger people. Social Security,
the financial basis of this idea, was
entirely feasible because at the time
there were 40 workers to every retiree.
Now, however, with 3.3 workers for
every Social Security beneficiary and
an increase in average life expectancy,
the dream of retirement is becoming just
that – a dream.
And as the baby boomers (individuals
born between 1946 and 1964) creep ever
closer to their golden years, speculations
continue to be made on how the
American economy can sustain such
a large group of people – 78.2 million
strong – outside the labor force.
Once this demographic shifts into
retirement, stocks and other assets
could fall by as much as 50 percent,
although this is a worst-case scenario.
The sluggish market might force many
boomers into delayed retirement to
maintain their standard of living, upping
the average retirement age from 62 to
74, reported CNNMoney.com.
“The surplus in Social Security that
should have been built through the years
from all those paying into the system
and are now ready to draw out is not
there,” said Danny Herron, executive
vice president of Civitas BankGroup and
president and CEO of Cumberland Bank.
“That money has been drawn out by the
government to help fund our national
debt, so the system is already very close
to bankruptcy now. In the next 20 years,
it is going to be totally broke.
“While the older generation feels like
they’ve ‘earned’ their Social Security
benefits by the money they’ve paid in,
younger people who are not counting on
that money for their retirement are not
going to be willing to pay into a system
that they don’t see benefits from,”
continued Herron.
Still, economists contend that despite
these conditions surrounding Social
Security, boomers will continue to work
by choice.
Life expectancy has increased by
seven years since Social Security
established the retirement age at 65,
and baby boomers are taking advantage
of this so-called “longevity bonus”
by working longer. According to “The
New Retirement Survey” published in
February by Merrill Lynch, 76 percent
of boomers expect to retire at age 64
and then launch into an entirely new
job or career. But this choice to continue
working is not about the money. Sixtyseven percent of boomers keep working
to provide mental stimulation and
challenge.
That same study found that boomers
view financial preparedness rather than
age as the deciding factor for when they
choose to retire.
A Wealth Of Spending Power
Meanwhile, with a spending power
of an estimated $2.1 trillion, baby
boomers have a lot to offer the economy
after they leave the work force. Mary
Furlong, a national expert in aging
and technology trends, predicts that
the spending patterns of baby boomers
present unique opportunities in the
business market.
As reported by the Upper Cumberland
Development District’s Area Agency on
Aging and Disability, Furlong believes
baby boomers have more time, more
money and more education than any
previous generation. She also described
retirees has proven to be a popular
trend. With more seniors retiring to the
South and West as opposed to Florida,
states are creating incentives to lure
them in. In Tennessee, a series of public
golf courses is in development by using
Baby boomers are one of the largest
and wealthiest groups to retire. They are
also a very active group and not content to
sit on the sidelines.
DAVID SUTTON – Lake Tansi Village P.O.A.
baby boomers as craving passion,
adventure, making a difference, a deeper
meaning of life and connecting with
their families.
For smaller communities looking for
an economic boost, attracting these
state park land and funds.
“Baby boomers are one of the largest
and wealthiest groups ever to retire,”
said David Sutton, general manager for
Lake Tansi Village’s Property Owners
Association. “They are also a very active
group and are not content to sit on the
sidelines.”
A 2004 survey by homebuilder
Del Webb found that 36 percent of
baby boomers expect to move into a
new home when their children leave
the home, and that 26 percent are
considering purchasing a home in an
age-qualified active adult community.
“With the baby boomers, the
retirement pie is getting bigger,” said
Mark Fagan, professor and head of
the Department of Sociology and
Social Work at Jacksonville State
University in Alabama. “Baby boomers
will definitely increase the number of
retirees overall. Surveys conducted by
planned retirement communities found
that baby boomers, more than previous
generations, plan to relocate for
retirement. That’s because this has been
a very mobile generation.” n
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August 2006
www.ucbjournal.com
Retirement communities offer distinctive options for development
Recognized for retirement,
Cumberland County offers three
communites for retirees.
BOBBIE MAYNARD
Relaxing on the lake, playing a
round of golf, taking in a show at the
Playhouse – it’s a typical day in the
life of many retirees who have chosen
Cumberland County as their new home.
Possessing a senior population that
more than doubles other counties in the
U.C., Cumberland County has cultivated
three unique retirement communities
that showcase what the region at large
has to offer.
“Retirees are definitely a large
contributor to the overall economic
growth of our community as a whole,”
commented Cumberland County
Mayor Brock Hill. “Retiree recruitment
is a successful strategy that we’ve
supported in addition to other economic
development initiatives.”
Beth Alexander, president and CEO
of the Crossville-Cumberland County
Chamber of Commerce, agreed.
“The chamber is proactive in retiree
recruitment,” she said. “We have
brochures targeted to retirees and send
packages about our area automatically
when they are requested.”
Alexander added that besides the
structured communities, such as
Fairfield Glade, Lake Tansi or Uplands,
many retirees are choosing to live in the
broader community. In fact, Crossville
was recently referenced as one of the
mid-South’s “retirement havens” in the
spring 2006 FDIC Outlook.
“The University of Tennessee is
currently conducting a special survey
to see how retirees are impacting our
community,” Alexander said. “They’ve
done focus group studies and other
operations in the Southeastern United
States,” explained Harvey Hoffman,
general manager of Fairfield Glade
Community Club. “Cendant Corp. in
New York owns the resort. The concept
for this community has grown and
changed over the years, allowing for the
Retirees are definitely a large contributor to
the overall economic growth of our community
as a whole. Retiree recruitment is a successful
strategy that we’ve supported in addition to
other economic development initiatives.
BROCK HILL – Cumberland County Mayor
research. We expect that survey to be
completed within the next month.”
Fairfield Glade
From the construction of its first
timeshare and shopping center 26
years ago through today, Fairfield
Glade has established itself as both a
successful vacation
resort and retirement
community. Presently,
the town boasts
an estimated 8,000
permanent residents
with approximately
25,000 timeshare
visitors in a given
year.
Harvey Hoffman
“Fairfield Resorts
Inc., which manages the timeshares,
is one of the largest timesharing
dual development of both the resort and
retirement community.”
According to Hoffman, most of
Fairfield’s retirees traditionally relocate
from Michigan, Ohio and other
Midwestern states. A new trend is
the increase in the number of retirees
coming from Florida and California.
“We hear many anecdotal stories
from people who have visited here on
vacation timeshare trips and who have
then purchased property for retirement,”
said Hoffman. “Many residents
have commented that they chose to
retire here because of the beautiful
environment, temperate climate, friendly
people and central location. Location
is very important because retirees can
move here and still be within a day or
so drive of their families.”
Hoffman added that real estate values,
combined with a low cost of living, are
also big draws for attracting retirees.
The Fairfield Glade Community
Club, which Hoffman manages, is the
homeowner association responsible for
maintaining most of the accompanying
facilities in the Fairfield Glade
community. Operating much like a city,
the club maintains the roads, facilities,
amenities and sewage treatment plant.
The club’s facilities include four 18hole golf courses, 10 tennis courts, 11
lakes, a recreation center, two outdoor
swimming pools and many more
amenities.
“Recreational outlets and quality
medical care are important factors for
retirees when choosing where to retire,”
commented Hoffman. “Development is
ongoing to increase our amenities. We’re
currently planning for a new 27,000
square-foot community center, which
will include a gymnasium, banquet
room and indoor swimming pool.”
An influx of retirees can even spur
growth in the local health care industry.
In 2003, construction was completed
on Cumberland Medical Center’s 25,000
square-foot Wellness Complex in
Fairfield Glade. The complex includes
a state-of-the-art fitness area and
provides for many medicinal therapies.
[See “Retiree increase forecasts future
growth in health care sector” on page 15
for more information on health care and
retirees.]
As for building a home in Fairfield
Glade, Hoffman said housing can
range anywhere between $120,000 and
$600,000. The number of approved
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August 2006
13
www.ucbjournal.com
homes in Fairfield has more than
doubled in the past two years, going
from 116 in 2004 to 280 currently for
2006.
“Our community strives to be
consistent in the type of housing that
is built here,” said Hoffman. “We have
an architectural control committee to
oversee that.”
Many of the retired residents of
Fairfield Glade fall into the middle to
upper-middle class categories in terms
of income, according to Hoffman. In
fact, a special 1999 census indicated
that income levels of Fairfield Glade
residents were $10,000 to $12,000
more than those of other residents of
Cumberland County. [See “A Unique
Case Study – Fairfield Glade” on page 10
for more information on these statistics.]
“Our retirees believe they are fortunate
enough to be living in this beautiful
area, so they donate both time and
money back to the community,” said
Hoffman. “They are supporters and
volunteers for the public schools and
Cumberland County Playhouse. They
give lectures, mentor kids and do
fundraising. Their contributions can be
measured in more than just monetary
terms.”
friends. In addition, our retirees have a
wealth of experience from all walks of
life and want to remain active in their
retirement.”
Lake Tansi provides ample
opportunities for activity. From barbecue
social events at the Thunderbird
(recreation center) to two chapters of the
Red Hat Society to an active Exchange
Club that raises money for local
charities, retirees at Lake Tansi are not
ready to slow down.
“Even with our focus on retirement,
we’re not a pure retirement community,”
Sutton said. “We have young families
who move in here with their first starter
home living beside the auto executive
who retired here from up North. It’s a
combination that’s served us well for
continued growth.”
Uplands Retirement Village
Operating as a not-for-profit
community with multiple options for
retirement living, Uplands Retirement
Village, located in
Pleasant Hill, has a
unique history tied
to development in
Cumberland County.
“In 1884, the
people of Pleasant
Hill asked the
American Missionary
Association to send
Debbie Douglas
a teacher for the
children of the Cumberland Plateau,”
explained Debbie Douglas, director
of marketing for Uplands. “Through
that process, some years later, Dr. May
Cravath Wharton, widow of an academy
principal, opened the first hospital
in 1922. The hospital was moved to
Crossville and eventually became the
Cumberland Medical Center in 1950.”
Douglas said Wharton, who was
originally from New England, served the
health care needs of many in the rural
community. At the age of 79, Wharton
began work on attracting retirees to
relocate to the 500-acre area. Douglas
explained that Wharton felt there was
a missing piece in attracting retirees:
specialized care for the elderly. Wharton
then launched the building of a nursing
home, which was dedicated in her name
in 1957.
“The whole retirement community
grew out of the nursing home,” said
Douglas. “We still have the nursing
home and have grown to include
an assisted living facility, as well
as independent living in homes and
apartments.”
Currently, a new capital campaign is
underway to raise $5 million to build
a new nursing home to replace the
existing one that is nearly 50 years old.
Douglas explained that many of the
residents at both the nursing home
and assisted living facility are from the
region, while a majority of those living
independently in the community are
from out of state.
SEE COMMUNITIES PG. 21
Lake Tansi Village
Also benefiting from the interplay
of tourism and retirement, Lake Tansi
Village is another retiree community
that has grown tremendously in
development since the 1980s. Known
for its top attraction,
which is also its
namesake, the
community features
the Cumberland
Plateau’s largest lake
at 550 acres.
“The word
‘tansi’ is a Native
American derivative
David Sutton
of Tennessee,”
commented David Sutton, general
manager of Lake Tansi Village’s Property
Owners Association. “Lake Tansi is a
man-made lake and was developed first
before the resort.”
Sutton explained that the area
surrounding the lake was subdivided
and sold as lots beginning in the 1970s.
The area became a well-hidden vacation
secret, with only three to four houses on
the lake in the early 1980s.
“Lake Tansi now has 7,900 people
who are members of the property
owners association and 10,000 lots for
development,” said Sutton. “We also
have two timeshares located here with
visitors coming in weekly.
“The people who come here on
vacation, as well as those who retire,
are looking for a little bit more of
a rustic atmosphere, plus it’s more
affordable than other areas and less
restrictive,” Sutton added, explaining,
“By less restrictive, I mean that we have
subdivisions of Tansi designated for
different land uses, such as stick homes,
modular homes, an RV park and even
leisure properties where someone can
bring in a camper and park it. We try to
accommodate all people.”
According to Sutton, in his experience,
successful retirement communities
should always include two things – a
lake for fishing and golf courses. Lake
Tansi has both with a lake stocked full
of bass and an 18-hole championship
golf course.
“In recruiting retirees, we target
people mainly from out of state, mainly
out of Florida and the Northeast,” said
Sutton. “Our people here are our best
ambassadors. They come here for the
summer, go back home and tell their
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Setting up a plan for your retirement 101 - the basics
There are several options that
protect you from financial
uncertainties in the future.
MEREDITH PURCELL
info@ucbjournal.com
With Social Security and pensions
disappearing on the horizon, people
are looking for more reliable ways to
save for retirement. While there are
several options in existence that make
planning easier and more affordable
than ever before, they tend to get
jumbled and confusing amongst the
clutter of paper and numbers.
But that doesn’t mean retirement
planning is unimportant, said Leigh
Waggoner, accounting and business
law instructor at Tennessee Tech’s
College of Business.
“The more people hear how
important retirement planning is, the
more we will quit living paycheck to
paycheck,” said Waggoner. “There
will come a time in our lives when we
won’t be able to make as much money
as we have been making. It is so
important to plan for those times even
if we can’t be completely certain about
the outcome.”
401(k) – The New
Pension Plan
Because of liability issues, the
traditional pension plans offered by
companies to their employees are
evolving into stock options packages
and 401(k)s.
“Fifty years ago, most corporations
provided employees with a defined
benefit pension plan,” said Waggoner.
“But they are going away as more and
more companies are abandoning them.
Instead, they are starting to do what is
called defined contribution retirement
plan, which is the 401(k).”
These 401(k) plans are tax-deferred
investments – investments in which
some or all taxes are paid at a future
date, rather than in the year the
investment produces income – set up
by the employer. Usually, employers
��
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“match” an employee’s investments in
his or her 401(k) up to 5 percent of the
employee’s salary.
“If you have access to a plan in
which your employer matches your
retirement funding, then that is your
best option,” said Waggoner. “Not all
employers offer that, however.”
Waggoner also said that keeping
all of one’s retirement funding in one
company stock could be dangerous.
“When Enron funded their pensions
for their employees, they had defined
contribution plans, but they made
no guarantees about benefits,” said
Waggoner. “Diversify as much as you
can within your plan.”
IRA – Individual
Retirement Account
IRAs were created to encourage
individual retirement planning by
offering significant tax breaks. This
type of plan is meant for middleincome individuals who are living off
salaries, not trust funds or investments.
For example, a single individual under
the age of 50 making more than
$110,000 in 2006 would not be eligible
to contribute to an IRA. For those
making less than $110,000 in 2006,
the government limits the amount of
money that can be invested to $4,000.
IRAs are divided into three specific
types: the deductible IRA, tax-deferred
contributions and growth; the nondeductible IRA, tax-deferred growth
only; and the Roth IRA, tax-free
growth.
The Roth IRA was created as a result
of the Taxpayer Relief Act of 1997. Its
central difference to traditional IRAs is
that instead of providing a deduction
for making contributions, all earnings
are tax-free when they are withdrawn.
“The Roth IRA is done on an aftertax basis,” said Waggoner. “The beauty
of that IRA is that when I’m ready to
withdraw from it, I don’t pay taxes on
them.”
All IRAs are taxed, however, said
Waggoner, and contributors must “pay
taxes on them, whether it’s on the
front end or the back end.”
Investing And
Estate Planning
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Investing is another popular option
to fund retirement. Investments in
mutual funds, annuities, bonds,
treasuries and stocks generally have
higher returns than bank savings.
But because the government does not
insure investments, they are higher
risk. Waggoner suggested waiting
until every tax-deferred plan has been
exhausted before investing.
“The government has created
favorable tax laws to entice us to plan
for retirement, so you are given an
incentive to do this,” said Waggoner.
“Take advantage of all those incentives
before you start investing for wealthbuilding.”
For those individuals who expect
to leave a large amount of wealth
to an estate or as inheritance, estate
planning and wills are critical to
avoid maximum inheritance taxes. If
a person has not participated in estate
planning, which is generally handled
through a trust, then any monies
exceeding $1 million will be taxed
again with an inheritance tax.
“With the way that Americans spend,
retirement may not be the eventuality
that it was for everyone in the past,”
said Waggoner. “The sooner you can
start saving, the better off you are.” n
August 2006
15
www.ucbjournal.com
Retiree increase forecasts future growth in health care sector
Seniors’ demand for
health services tied to
new job creation.
BOBBIE MAYNARD
Reaching those long-awaited
retirement years can take its toll on
the body. That’s why the health care
industry is so vitally important in
maintaining seniors’ physical and
mental well-being as well as quality of
life.
The National Institute on Aging
calculates that the U.S. population aged
65 and over is expected to double in
size within the next 25 years. By 2030,
almost one out of every five Americans
– some 72 million people – will be 65
years or older. The institute also noted
that the age group 85 and older is now
the fastest growing segment of the U.S.
population.
The good news is that the health of
older Americans is improving. However,
many are still disabled and suffer from
chronic conditions like heart disease
or arthritis, according to the National
Institute on Aging. The institute
ranked the leading causes of death
for people age 65 and over in 2003 as
follows: (1) diseases of the heart, (2)
malignant neoplasms like cancer, (3)
cerebrovascular diseases like strokes, (4)
chronic lower respiratory diseases, (5)
Alzheimer’s disease, (6) influenza and
pneumonia and (7) diabetes.
“There’s no question that as the
number of retirees increases, so does the
demand for health services,” said Henry
Bowman, an analyst with the Upper
Cumberland Development District.
“Health care jobs will become more
important as communities in our region
seek to attract retirees as drivers for
economic growth. Retirees require more
health care services in general, so the
jobs and opportunities are also expected
to increase.”
Researchers have found that the
amount retirees spend on health care
may depend on where they live. Since
the U.C. region possesses a lower cost
of living when compared to that of the
state and nation, the cost of health care
is expected to be lower, too.
Health care jobs will become more important
as communities in our region seek to attract
retirees as drivers for economic growth.
HENRY BOWMAN - Upper Cumberland Development District
a general practice physician and basic
quality care in a smaller city or town,
then the majority of their health care
needs can be met,” said Fagan. “The
Upper Cumberland is fortunate because
its proximity to Nashville allows seniors
easy access to specialized care when
they need it.”
With today’s medical advances,
the PRB provided details about
technological innovations that can
improve care at rural facilities and
help them compete with those in
metropolitan cities. One innovation
example is telemedicine, whereby
medical specialists located in an urban
area review digital images of X-rays
and other patient records and then relay
treatment instructions back to rural
hospitals or clinics.
In terms of jobs, the U.S. Bureau of
Labor Statistics recently reported that
more new wage and salary jobs – about
19 percent or 3.6 million – are projected
to be created in health care between
2004 and 2014. That’s more new jobs
than any other industry. In addition,
most health care workers have jobs that
require less than four years of college
education. However, health diagnosing
and treating practitioners are among the
most educated workers. n
NEIGHBORS WHO CARE
MIND THEIR BUSINESS
How Can Communities
Benefit?
the Department of Sociology and Social
Work at Jacksonville State University
in Alabama, said that retirees who
can afford to relocate for retirement
generally can afford to pay for health
care and that many have private
insurance.
“Jobs follow people with money,”
explained Fagan. “The health care
industry will continue to develop
and add jobs to meet the demand for
services.”
MSN Money recently reported that
a typical retired couple, who does not
have employer-sponsored retiree health
care, will spend an estimated $200,000
to cover out-of-pocket medical costs.
With more retirees choosing rural
areas to relocate, the Population
Reference Bureau (PRB) noted that
health care becomes an important
industry. Medicare dollars that seniors
dispose of can become a major source
of economic activity. In fact, Medicare
accounts for anywhere from 40 percent
to 90 percent of rural hospitals’
revenue.
“As long as retirees have access to
R
iver Park Hospital offers the businesses of our community more than just medical expertise.
We work hard to ensure the care we provide enables our patients and their employers the
chance to get back to work as soon as possible. By honoring most insurance plans,
understanding the need for compassionate and effective healthcare, and providing top-notch
inpatient and outpatient rehab facilities, River Park works to be a strong partner for the businesses
of the Upper Cumberland.
With nearly 400 employees of our own, we know
how important your employees are to the success of
your business. When the need arises for their care,
our 125-bed acute care facility stands ready to
provide it in an affordable and effective manner.
The business health of our community is strong, and
River Park will work to keep it moving forward.
Neighbors Who Care
1559 Sparta Road; McMinnville, TN 37110 931.815.4000 www.riverparkhospital.com
16
August 2006
www.ucbjournal.com
States Three Star-Program adds retirement recruitment as goal
EXECUTIVE
QA
&
Q: You work as an
economic development specialist
for the Tennessee
Department of
Economic and
Community
Development’s Three
Star Program, so why
are you working on
the recruitment of
retirees?
A:
When ECD redeveloped and reenergized the Three Star Program for
communities to achieve excellence in
community and economic development,
retiree recruitment was added as
an optional component. When Phil
Bredesen was running for governor
four years ago, one of his handbills said
the state should work to attract older
travelers and tourists who might retire
in Tennessee. That was very smart.
Statistics show that the retiree will
vacation or travel an average of three
times to the areas where they ultimately
relocate. This administration listened
and believes that recruiting retirees is
an industry.
RAMAY WINCHESTER
Tennessee Department of
Economic and Community Development
Q: Do you think
that local officials,
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offered a session on retiree recruitment.
The weather in Nashville was awful,
and this session started at 9 a.m. on
that Tuesday, and the room was packed.
It was full of chamber of commerce
executives, economic developers and
city and county mayors just to hear
the impact of the process of recruiting
retirees.
Q: Why has this
suddenly become so
important?
A:
Well, 14 percent of Tennessee’s
population is 65 and older. When
you consider that there are 78 million
baby boomers in the United States,
it’s huge. These boomers have wealth.
The migrating retirees are among the
wealthiest. Fifty percent earn more than
$60,000 per year, and 25 percent of
them earn more than $100,000. By next
year baby boomers’ buying power is
projected to be $2 trillion, but there is
estimated to be as much as $50 trillion
coming. That’s how much impact they
Q: But don’t you think
than an influx of
retirees to Tennessee
will place some
burdens on local
economies, too?
A:
People are living longer, they’re
healthier and they’re retiring earlier,
but the boomers are not really retiring.
Three quarters will do some type of
work into retirement. Twenty-five
percent need the money, but the rest
are finding jobs to avoid boredom, give
back to the communities or to finance
their leisure activities like the extra
trips they may be taking or maybe new
hobbies.
Q: But even so, it just
seems that an influx
of retirees could have
a mixed effect.
A:
They bring their wealth with them.
Their spending habits create jobs and
opportunities. Retirees don’t strain
local services. They are more likely
to shop at home. They love to spend
their money where they have chosen to
move. They have little effect on schools
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August 2006
www.ucbjournal.com
or the criminal justice and social service
systems, and they can actually stimulate
infrastructure development on health
care. Just look at the growth in medical
services here in the Upper Cumberland,
especially Crossville. They spend more at
the drugstore than any other age group.
Their purchases are 30 percent of all
over-the-counter medical products. Also,
37 percent of all spa memberships are
held by baby boomers.
Q: How can a
community become
prepared for a retiree
recruitment program?
A:
In the Retiree Recruitment
Component of the Three Star Program,
we developed a community assessment
and inventory form. There are no right
or wrong answers. It lists things that
a retiree prospect will consider when
weighing relocation options. It looks
at climate, because that’s one of the
things that brings people to our state.
It asks about health care, housing,
taxes, continuing education classes
and recreational opportunities. It helps
the community to identify not only
their attractive features that can be
successfully marketed, but also areas of
concern that will require improvement.
Q: What is the first
step in finding out
who’s ready?
A:
It’s who has available housing. It’s
not whether you have a lot of $50,000$60,000 houses available, it’s if you
have a lot of upscale houses. Everybody
wants retirees, but you don’t call yourself
successful if you only get five or six
couples a year.
Q: Does Tennessee
have any advantage
over other states with
organized recruitment
programs, like
Mississippi?
A:
The initial sell for Tennessee
is climate, quality of life, the rural
character, health services and the cost of
living. We are sitting right in the middle
of the South. We really have everything.
We are so diversified. Just look at
recreation. We’ve got everything but
beaches, but we can compete with every
other kind of recreational opportunity.
Walking or hiking – that’s the number
one retirement recreational activity.
Q: If recruitment
of retirees is as
competitive as
recruitment of
industries, will
communities have
to rethink part of
their development
strategy?
A:
Many communities have added
Retiree Recruitment in their fiveyear strategic plans. That’s why I’m
encouraging people to try to go to the
American Association of Retirement
Communities annual conference in San
Antonio, Texas, this October. There are
two tracks. One is for the local chambers
of commerce, helping them answer,
“How do we go about recruiting retirees
on our own?” The other is for developers.
And they go hand-in-hand. I’d love to
encourage a local chamber representative
to take a realtor or developer with them
to learn ways that communities can go
after these retirees. Many counties in
Tennessee already have developers doing
this for them.
Q: What do you see as
your biggest challenge
as ECD’s program
moves forward?
Who’s ready?
A:
Our biggest obstacle is not in getting
them to move to Tennessee, it’s enticing
people to move at all. So many people
just get complacent where they are. We
definitely want to go after the affluent
retirees and tell them to come here
and bring their money. Because of our
location, we want to make Tennessee a
retirement destination. n
17
18
August 2006
www.ucbjournal.com
Local agency makes impact by serving the needs of seniors
The Area Agency on Aging and
Disability contributes to the
economic well-being of seniors.
BOBBIE MAYNARD
For many seniors, reaching
their retirement years can provide
a challenge to maintaining their
independence and quality of
life. Cooking meals and getting
transportation to the grocery store can
become major obstacles to enjoying
their golden years.
However, for seniors located in
the Upper Cumberland, the Area
Agency on Aging and Disability
(AAAD) provides these services and
many more to enable seniors with the
independence of living at home.
“Our agency is one of five different
departments under the umbrella of
the Upper Cumberland Development
District,” explained Holly Williams,
assistant director of AAAD. “The
district was founded in 1969, and the
Area Agency was established in 1973.
Our mission is to plan, coordinate and
advocate for services to improve the
quality of life for older persons and
other adults with disabilities.”
AAAD receives federal, state and
local funding and serves the following
counties: Cannon, Clay, Cumberland,
DeKalb, Fentress, Jackson, Macon,
Overton, Pickett, Putnam, Smith, Van
Buren, Warren and White. The agency
also accepts charitable donations from
churches, individuals and businesses.
�
Of those programs, one of our newest is the
Medicaid Waiver. Under the Medicaid Waiver,
we provide many in-home services that can
become essential for seniors to maintain
their independence of living at home.
HOLLY WILLIAMS - AAAD
Williams explained that AAAD’s
services cover a wide range of areas
and include the following: Home
and Community Based Services,
Medicaid Waiver and Options for
Community Living programs, Senior
Medicare Patrol Project, State Health
Insurance Program, Family Caregiver
Support Program, Companions
For Recovery, Helping the Elderly
Live Productively Program, legal
assistance and ombudsman services,
public guardianship, nutrition
services, multi-purpose senior
citizens centers, adult day care, case
management, information and referral
program, mental wellness program,
transportation services and respite
services.
“Of those programs, one of our
newest is the Medicaid Waiver,” said
Williams. “Under the Medicaid Waiver,
we provide many in-home services
that can become essential for seniors
to maintain their independence of
living at home. These include case
management, homemaker, personal
care, minor home modifications,
personal emergency response system,
home-delivered meals and institutional
respite care.”
Besides case management, AAAD
cannot provide direct services to
qualified persons and instead contracts
with private agencies to provide the
aforementioned services. Williams
added that currently 650 people are on
the agency’s waiting list to receive inhome services.
The information and referral
program is a toll-free hotline (1-866836-6678) that provides an initial
point of contact for someone accessing
AAAD’s services. The hotline received
a total of 3,312 calls last year.
“With our hotline, we strive to be the
first and last place someone seeking
services has to call,” said Williams.
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August 2006
19
www.ucbjournal.com
“We have a database of resources that
currently totals 2,237 agencies and
is updated continually to address the
needs of seniors looking at maintaining
their independence.”
Individual Care With
Community Impact
Fulfilling its core mission of providing
services to seniors and other qualified
individuals, AAAD imparts an economic
ripple affect that reaches out into the
communities it serves.
“Keeping people independent in their
own homes, which is where they want
to be, for as long as possible is our
goal whenever we take on a new case
or provide a service,” explained AAAD
director Judy Roberson.
“By keeping those people at home
and productive, they are still paying
taxes and are active consumers in the
community. The public at large benefits
because otherwise some of these seniors
would be in an institutional setting with
their care paid for by other taxpayers.”
Roberson estimated that providing inhome services, such as home delivered
meals for one year to an individual,
could cost anywhere between $1,500
and $2,000. She compared that with the
estimated cost of a year’s institutional
stay, which could range from $48,000
to $60,000.
“The services we provide save the
taxpayer a tremendous amount when
compared with the annual cost of
nursing home or institutional care,”
said Roberson. “Our services are a
cost-saving and more efficient way to
maintain seniors’ quality of life and
independence.”
An Outlet
For Seniors
Roberson added that nationwide there
are 655 AAADs. She said many retirees
relocating to the U.C. area are familiar
with the services and contact the local
agency to either volunteer or receive
services themselves.
“The senior centers that we provide
funding to are great outreach partners
that engage seniors at the local level,”
said Roberson. “The centers provide
places for visitation, physical fitness,
health screenings, leisure activities,
education, volunteer opportunities,
intergenerational activities and many
more.”
Looking to the future with the
looming retirement of an estimated
78 million baby boomers nationwide,
Roberson said that the state would
have to double its current number of
nursing homes to provide care for that
generation of retirees.
“Creating that many new nursing
homes just isn’t a feasible plan,”
commented Roberson. “We believe that
our in-home services will continue to
grow and play a key part in keeping
baby boomers and other retirees
independent and at home. As the level
of retirement increases in our region,
the number of health care services and
providers will grow as well.” n
BIZ BIO
BIZ:
UCDD/Area on Aging and
Disability
DIR: Judy Roberson
CITY: Cookeville
TEL: (931) 432-4111
WEB: www.ucdd.net
ONLINE SURVEY
www.ucbjournal.com
STATISTICS ON U.C. SENIORS
• The U.C. has an estimated 61,520 people over the age of 60. This accounts for
20 percent of the region’s total population.
• Twenty-five percent of U.C. seniors live alone.
• Fifteen percent of U.C. seniors live below poverty.
• Less than two percent of U.C. seniors are a minority.
• Twenty-six percent of U.C. seniors have high school diplomas.
• Nine percent of U.C. seniors have bachelor’s or advanced degrees.
SOURCE: UCDD/Area Agency on Aging and Disability
20
August 2006
www.ucbjournal.com
Opportunities for recreation are must-haves for attracting retirees
Fostering attachment to
communities is critical in
retaining in-migrant retirees.
in Alabama, provided examples of the
active adult community lifestyle that
appeals to retirees.
“Outdoor recreation can include golf,
tennis, swimming, softball, walking,
BOBBIE MAYNARD
bike riding and motor cycling,” said
Fagan. “Meanwhile, indoor recreation
It should come as no surprise that
encompasses aerobics, dancing, indoor
many of today’s retirees consider
swimming and using fitness equipment.
retirement a permanent vacation. Days
Adult clubs are also important, like those
spent at the lake, endless rounds of
in computers, woodworking, painting and
golf, garden parties in the afternoon
metal working.”
– for some, this is the ideal way to
Bowman added that a good example
live out their golden years. For others,
of recreation and retirees is the growing
involvement in the community and
golf industry and retirement communities
volunteering fulfills an innate need for
in Cumberland County. Cultural activities
belonging.
are also abundant, with events at
How can communities, hoping to
Tennessee Tech University, the symphony
attract retirees, find the right balance and orchestra, local drama centers, theater
appeal to everyone, while also benefiting
troupes, the Appalachian Center for
themselves?
Crafts and many other groups offering
The direct relationship between tourism chances for involvement year-round.
and retirement has been a successful
Some areas in the U.C. are being
strategy to build on for developing
recognized at top retirement destinations.
retirees as economic drivers. [See retirees Most recently, the city of Cookeville was
gaining momentum as the new avenue
featured as a top town for retirement in
for development” on page 9 for more
the May/June issue of Where to Retire
information.]
magazine. The city’s recreational and
“The Upper Cumberland has many
cultural activities, as well as its closeness
recreation opportunities that are
to metropolitan areas, were cited for its
promoted for tourism, such as our
inclusion.
lakes, state parks, historic sites and golf
According to Roy Byrd, chairman of the
courses,” commented Henry Bowman,
Cookeville Area-Putnam County Chamber
an analyst with the Upper Cumberland
of Commerce’s Retirement Development
Development District. “Retirees who come Committee, the chamber is actively
on vacation here get to experience all
working to attract retirees to Cookeville.
those attractions.”
“Our committee has done research on
marketing opportunities for attracting
the Department of Sociology and Social
retirees, as well as demographic research
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the kind
retirees
The study reported, “Retiree migrants
represent an attractive segment to many
communities attempting to stimulate
local economic development, because
they have steady incomes and are not
vulnerable to normal downturns in the
national economy.” Once relocated to
an area, retirees will spend more money
locally and pay taxes. Besides these
monetary contributions, retirees also give
back to communities through their level
of expertise and by becoming a strong
volunteer base.
Fagan described noteworthy examples
of indirect impacts of retirees. These
included:
attract,” explained Byrd. “One of our
major goals down the road is to have a
structured retiree community for the 50plus age group.”
Understanding What
Retirees Want
A retiree study conducted at Clemson
University in South Carolina on the
importance of recreation and parks found
that retirees who engage in social and
cultural activities and develop ties to
their new communities are more likely to
be satisfied with the community and their
quality of life – making it more likely
they will stay.
• 2.1 million Floridians age 50-plus
volunteered 7.5 million person-days per
year and donated $3.6 billion to charity
in 2000.
• In North Carolina, 77 percent of retirees
volunteered an average of 7.4 hours per
week. Fifty-five percent of those were
in leadership positions in community
organizations.
Throughout the U.C., in-migrant
retirees and local senior citizens can find
an abundance of volunteer opportunities.
The Area Agency on Aging and Disability
suggests that a good place to start is
local senior centers found in each county.
These centers provide for visitation,
physical fitness, health screenings,
leisure activities, education, volunteer
opportunities and intergenerational
activities. Hospitals, schools, local
charities and community clubs are also
groups that rely heavily on volunteers. n
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August 2006
21
www.ucbjournal.com
COMMUNITIES
FROM PAGE 13
According to Douglas, unlike other
continuing care communities that
typically require retirees to pay a large
sum upfront for home and health
services, the most retirees will pay
upfront at Uplands is $30,000 for two
people in the same housing unit.
“We have 319 members total for
Uplands,” said Douglas. “We’re not a
gated community. When retirees come
here to live independently in their
own home, they enter into a life-lease
agreement with us. Uplands acts as
both the realtor and banker. Once a
retiree decides to move or passes away,
Uplands has the first option to buy back
the home at 80 percent of the thenappraised value.”
Homes in Uplands range in price
from $55,000 to $150,000. Douglas
added that there are some restrictions
on housing, such as only one level,
handicapped accessible, and the largest
house is only permitted to have 1,800
square feet of heated space.
“Part of the draw of Uplands is our
sense of community,” explained Douglas.
“We’re in a very rural, natural setting,
and many of our retirees have retired
from the helping and service professions,
such as doctors, teachers, ministers and
missionaries. They are a group of smart,
intellectual and fun-loving people who
are still able to use their skills in the
wider community by volunteering at the
nursing home or the local schools.
“One of our retirees put it best by
describing Uplands as ‘not just a place to
live, but a way of living.’”
One of the most important promotions
for Uplands is its relationship with the
Attracting retirees for more than 20 years, the communities
of Lake Tansi Village and Fairfield Glade provide a wealth of
recreational opportunities with well-known golf courses and
lakes.
With historic ties to the Pleasant Hill Community, Uplands Retirement Village offers three distint
options for seniors – independent living, assisted living and nursing home care.
United Church of Christ.
“Uplands is a member of the Council
for Health and Human Services
Ministries,” said Douglas. “So it’s a great
promotion for our area that spreads
by word-of-mouth through church
members. However, we are not only one
denomination. We have people of all
faiths in our community.”
Operating as a not-for-profit, Uplands
has a 27-member board of directors.
According to Douglas, there are no
stockholders, and no one makes a profit
off the community’s operation.
Photos: Jesse Kaufman CBJ
“We operate through our life-lease
program, endowments and philanthropic
gifts,” explained Douglas.
She added that Uplands is the largest
employer in Pleasant Hill with 100 staff
members for all facilities. n
22
August 2006
www.ucbjournal.com
health and wellness tips
weight loss programs
treatment options
WalkingWorks
health education
vitamin discounts
care management
© 2006 BlueCross BlueShield of Tennessee, Inc. is an Independent Licensee of the BlueCross BlueShield Association.
® Registered marks of the BlueCross BlueShield Association, an Association of Independent BlueCross BlueShield Plans.
nutritional guidance
helping companies of all shapes and sizes get in better shapes and sizes.
plans for better health. plans for a better life.TM
bcbst.com
August 2006
23
www.ucbjournal.com
Young retirees settle in U.C. for second career
You’ve probably heard it said
sometime in your life: You just need
to settle down. That was my husband
John’s summation when he returned
from his solo trip to Crossville in
October 2001. We’re moving to
Tennessee so you can settle down.
Several incidents influenced John’s
decision to “fire up” his convertible
Cadillac and head down I-75 from
Southfield, Mich., to Crossville. I
was still waging a personal war
against high blood pressure and a
two-month battle with a rare form of
shingles. Added to the mixture was
the unsettling impact on Southeastern
Michigan after the 9/11 attacks.
In addition to my illness, life had
not been so breezy for John after his
retirement from General Motors with
more than 31 years of service. John
had planned to tune out the world
and turn up his creative juices to full
throttle. Not so. When John retired, I
supposedly switched to a slower-paced
life as a nonprofit sector consultant.
However, continued commitments to
political and social connections after
my life as a “government official”
kept us hassled and hurried. Increased
development and property taxes also
kept our nice neighborhood home from
being the serene sanctuary where John
could paint pretty pictures.
Like most Americans, the 9/11
terrorist attacks caused both of
us to pause and reflect. Almost
simultaneously our spirits soared to
the lot we had purchased in the early
1990s at Fairfield Glade. When we
GUEST COLUMN
with Clintina Simms
Photo: Ron Peplowski
Clintina and John Simms have launched
second careers in the Upper Cumberland
since relocating from Michigan.
purchased it, after owning timeshare
property for three years, we had
thoughts of some day living in
Tennessee but never made any plans.
And me with a master’s degree in
planning, pray tell. Oct. 1 arrived and
the doctor still wouldn’t release me to
travel, so John decided on a solo trip.
This was to be no Fairfield Glade
resort vacation for John. He wanted
to stay in town: be seen and heard,
break bread and hopefully be merry
with the “real residents” of Cumberland
County. The week that he was away, I
reminisced about my first trip up the
mountain to the Cumberland Plateau
on a business trip for Saturn Corp.
In April 1987, I was assigned to
the Saturn Relocation Team. As a
community relations specialist and
regional planner, I set out to learn
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everything about Tennessee within a
one-hour drive from the Spring Hill
site. My working days were filled
with driving from Lawrenceburg
to Hendersonville, Lebanon to
Hohenwald, Tullahoma, Shelbyville
and Lynchburg, too. I met government
officials, bankers, real estate agents,
educators and medical professionals. I
visited chamber of commerce offices,
hospitals and schools and toured TVA
created lakes. I talked with librarians,
historians, county sheriffs and school
crossing guards. Then I wanted to
know where folks go for recreation,
and I was sent “up the mountain” to
Crossville. It was love at first sight...
and stayed that way for this three-year
assignment.
When that first business trip was
wrapped up, I couldn’t wait to tell John
all about it. Southwest Airlines’ special
round-trip fare of $70 made it easy to
convince John to join me in Nashville
and drive up to Crossville. We soon
purchased a timeshare unit and made
annual trips at different times of the
year for rest and relaxation. Sure,
there was one ugly incident when
teens cruising around the square yelled
the “N word” as we were leaving a
restaurant. But the treatment received
from business owners, staff and
residents far outweighed that one
incident in the late 1980s. Truth be
told though, we really didn’t spend
as much time in town during those
vacation trips. That’s why John wanted
to test the waters in 2001.
After his return in October 2001,
I began making plans for our own
relocation. By June 2002 we had
decided not to build. Instead we
purchased an existing house with
sufficient land where John could build
his dream art studio and sanctuary.
John took possession in July 2002 and
the move was complete when I finally
arrived in May 2003.
When asked how we like retirement,
the answer in unison is always,
“We aren’t retired, just relaxed and
refreshed.” We take joy in our lives
now. John is a volunteer firefighter,
and I am the development director for
Avalon Center Domestic Violence and
Sexual Assault Program.
Our studio sanctuary, with its view
of Black Mountain, is where John
gives art lessons and paints heirloom
portraits. Our fitness center overlooks
the golf course as I train and coach
my fitness and wellness clients. Group
classes are given at a nearby recreation
center.
To this day, neighbors and real
estate agents alike still marvel at the
transformation of the ugly duckling
house we bought. Yes, the Glade was
where we finally settled down, but any
number of home sites in Cumberland
County could provide our private piece
of paradise.
Come on up the mountain and
see us sometime. Our work is by
appointment only, but an open house
is planned for Thursday, Aug. 31, from
3-7 p.m. Please RSVP at (931) 4568890. Directions will be given when
you call. n
24
August 2006
www.ucbjournal.com
Press releases from area businesses and
organizations. To submit a press release, visit the
CBJ Web site at www.ucbjournal.com and click on
Contact Us or e-mail at claudia@ucbjournal.com.
Local attractions voted
best in Tennessee
UPPER CUMBERLAND – Several
Upper Cumberland attractions were
at the top of the annual Reader’s
Choice Awards in Tennessee Electric
Cooperative Associations “The
Tennessee Magazine.”
Winners were Bobby Q’s in
Cookeville for barbecue. The
Smithville Fiddler’s Jamboree came
in as the number two festival. Fall
Creek Falls State Park made the list
for golf courses and hiking trails
and came in as the best state park
and campground. Center Hill Lake
is a favorite lake and fishing spot.
Dale Hollow Lake also made the
list for top lakes. Crossville Flea
Market is a favorite for shoppers.
The Cumberland County Playhouse
is one of the top performing arts
centers in Tennessee.
Two bed and breakfasts in
the region made the list for
accommodations. Fall Creek Falls
Bed and Breakfast took top honors,
followed closely by Falcon Manor at
Historic Falcon Rest.
Overton County
celebrates bicentennial
with time capsule
OVERTON COUNTY – Overton
County businesses are being asked to
contribute to the future in honor of
the county’s 200th birthday.
Instead of the usual request for
financial support, Bicentennial
Committee chairman Bob
Shartrand is asking that donations
be accompanied by business
cards, brochures, menus, photos,
advertisements, promotional items
– anything that will tell the story
of business in 2006 to future
generations. During the celebration,
set for Sept. 8-11, these items will
be placed in a time capsule for
safekeeping inside the county’s new
library.
“We are asking the most patriotic
and civic-minded citizens to help
make our celebration successful,”
Shartrand said in a letter to
businesses. “We promise not to ask
again for another 100 years.”
The celebration will include skits,
music, contests, horse and mule
rides, a Civil war encampment, an
antique tractor show, replicas of
an Indian village and a Colonial
encampment, and patriotic
community gatherings. On the final
evening, Sept. 11, the time capsule
will be presented, with birthday cake
and fireworks following a 21-gun
salute.
For more information on
bicentennial plans or to contribute
to the project, call the Overton
County Chamber of Commerce at
(931) 832-6421.
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BYRDSTOWN – Barry and Shirley Weaver, transplants to the U.C. from Central
Florida, recently opened Bear Trapp. The bait and tackle shop carries rods, reels and
lures along with souvenirs and gift items. Bear Trapp is located at 5700 Eagles Cove
Road in Byrdstown. Store hours are 6:30 a.m.-7 p.m., seven days a week.
Local horse camps saddle up
for the small screen
JAMESTOWN – An upcoming
feature on Rural Farm Development
(RFD-TV) channel’s “Best of America
by Horseback” features the 2006
Highlands Trail Ride, an annual
event organized by East Fork Stables
in Jamestown.
The adventure began in the heart
of Big South Fork National River
and Recreation Area at Charit Creek
Lodge. Riders and the television crew
made their way to Station Camp
Campground, the Big Island Loop
trail and across the Big South Fork
River to Bandy Creek Campground.
The adventure continued with
a ride on the Coyle Branch trail,
a visit to Twin Arches and a stay
in Honey Creek Campground. Day
four brought the riders down the
old O&W Railroad bed to Accordion
Bluff and Hippie Cave and Timber
Ridge Horse Camp. The adventure
culminated with a ridge ride at East
Fork Stables and a wine tasting from
Highland Manor Winery.
For more information, contact East
Fork Stables at 800-97-TRAIL or
www.eastforkstables.com,
and continue checking
www.bestofamericabyhorseback.com
for airing dates.
BA N K I N G
Y O U R
D R E A M S
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TONY OLIPHANT
(931) 260-2365
www.claytonbank.com
August 2006
25
www.ucbjournal.com
The CBJ invites you to send your
reponse to this editorial to 705
North Dixie Avenue
or e-mail claudia@ucbjournal.com
CBJ Welcomes New Editor
Claudia Johnson, a native of Giles
County, comes to the Cumberland
Business Journal as editor-in-chief
after eight years with the Pulaski
Citizen/Giles Free Press, where she
covered government, courts, economic
development and most of the front-page
news.
Her journalism experience includes
hard news reporter for the Columbia
Daily Herald and the Ardmore
Shopper, features editor for the Giles
County Journal, news stringer for
The Tennessean and editor of the Mt.
Pleasant Record. Johnson is passionate
about both journalism and local history.
Her 250-page book that took 22 months
to complete, “a page from the past...,”
was published in June 2005. Her 52week series and a 48-page keepsake
insert into the Pulaski Citizen on its
150th anniversary, Dec. 16, 2004, earned
her a first-place award from the annual
Tennessee Press Association for “Best
Special Section” from 2004. In 1989 she
co-authored “Giles Heirlooms: Historic
Recipes and Places”, now in its second
printing.
A 1976 graduate of Giles County
High, she earned her bachelor’s degree
in English-Journalism from Union
University in 1980 and has spent her
career in community development,
public relations, marketing or news
reporting. In 1984 Johnson was
appointed one of nine coordinators
statewide for Tennessee Homecoming
‘86. She was community development
programs manager for the South
Central Tennessee Development District,
regional marketing manager for seven
cable television systems that are now
part of the Charter Communications
holdings in Tennessee and a member
of the small team of professionals who
worked on design and implementation
of the relocation plan for Saturn
employees.
Photos: Jesse Kaufman CBJ
A former president of the Giles
County Historical Society and member
of the Daughters of the American
Revolution, she is an outspoken
advocate of preservation of historical
resources, especially architecture and
paper ephemera. Johnson said she
looks forward to becoming involved in
history-related organizations throughout
the Upper Cumberland.
She is the mother of Sasha, 19, a
cosmetologist residing in Pulaski, and
Benjamin, 14, who has moved with
Johnson to Cookeville and will be a
ninth grader at Cookeville High
School. For a sample of
Johnson’s historic material, visit
www.claudiajohnson.blogspot.com and
www.pastpage.blogspot.com. n
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COOKEVILLE
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Lette
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@ucb
udia
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Editor:
I am enclosing for your
information, the legal petition
that was filed on behalf of ARCDiversified, and the subsequent
appeal document. As it is now
public record, I believe that it
should be shared with those who
may find it interesting. Mr. Farrish,
whom I know very well, may be
publicly dismissive of the role of
his agency in these matters, but in
fact, the staff of ARC-Diversified
did everything in their power to
achieve an adequate resolution
according to the prevailing laws and
implementing regulations.
At no point could we acquiesce
to a solution that was outside the
parameters of legislation and which
was not in the best interest of our
agency, its employees, and the many
fine vendors who supported this
work.
When it came time to “pull the
plug” on our largest contract, we
did so knowing that we had reached
a point of no recovery, having been
driven to the point of no return by
government employees engaged in
agendas that had nothing to do with
ARC-Diversified or the community
of Cookeville.
While I am no longer an
employee of ARC-Diversified, I can
say with certainty the bankruptcy
filing was precipitated by the
actions of the USDA employees over
many months of negotiation. The
resulting breakdown in our financial
capability during prolonged
negotiations and prior to achieving
resolution, impaired our resources to
the degree that it became impossible
to achieve the necessary closure on
this dispute and carry on with this
very important piece of work. We
could not “choose” to go forward.
Bert Farrish knows this too well.
Terri Lewis McRae
formerly Executive Director
931-267-3532
tlm7291@yahoo.com
26
NEW BIZ LICENSES
August 2006
CUMBERLAND COUNTY
Construction
Tennessee Highlander
Bates Home Improvement
Country Garden Food
Direct Selling Organization
Customized Printworks
Fentress Snapshots
General Contractors
Dave’s Cumberland Cafe
Scott’s Pressure Washing
Home Improvement
Desktop Publishing
Restaurant
Produce
Pressure Washing
Hughes Real Estate Services LLC
Real Estate Sales
JACKSON COUNTY
Blue Mountain Hatchery and Feed
Publication Carriers/Rental Employees
of America Discount Club
Foothill Enterprises Corp. dba
Sunshine Watercraft Watercraft Rentals
Reed & Sons Stone
Whitleyville Home Improvement
Other Construction
Stone Sales
Rite-Way Plumbing
MACON COUNTY
Plumbing
Miscellaneous Personal Services
CiCi’s Pizza
Eating Place
PUTNAM COUNTY
Algood Diner
Apria Healthcare Inc.
Sales & Rental Home Medical Equipment
Arris Inc.
General Construction
South Cumberland Storage LLC
Centurion Industries Inc.
Auto Sales
TCB Paving
Farley Construction
Restaurant & Lounge
The Outback Market
JW ProWash
Refill Ink & Toner Sales
Tidewater Construction
Macon Appraisal Services
Patient Care
Volunteer Publishing Company
Taekwondo Fitness
Building/Codes Inspector
Walker’s Flooring Installations
Tucks Construction
Computer Repair/Consulting
Xtreme Web Design & PC Inc.
Custom LED Signals
Rental Storage
Other Services Not Elsewhere Classified
Construction
Paving Contractor
Pressure Wasing
Retail Food Store
Contractors
Publishing
Hardwood Installation
DEKALB COUNTY
Ashburn Alley Cafe
Appraisal Services
Fitness
Construction
Web Design
OVERTON COUNTY
Cafe
Highland Computer Doctors
Wal-Mart
Deep Valley Park
Real Estate Sales
G.A.B.E. Heating & Cooling
Home Inspections
Kenny’s Truck Repair Services
Truck Accessories
Landscaping
Camper Trailer Services
General Store
FENTRESS COUNTY
Busy Bee’s Quilting
Quilting
Christianson Construction
Heating & Cooling Unit Installation
Truck Repair Services
Furniture Sales
Spivey Lawn Service
Lawn Service
Mark My Words
Stonepic Inc.
Red Stag Contractors
ReMax Proven Professionals
Southern Home Inspections
Southern Trucks Inc.
Tentex
Country Tyme Estates
Sparta Discount Furniture
Kohl’s Department Store
Telephone Construction
Restaurant
WHITE COUNTY
Consultant Service
Photography
Curly Sue’s BBQ
Seibers DME & Oxygen
Schultz Security Consultant
J & A Studios
Triple Cross Landscaping
Remodeling Homes
McMinnville Wado Ki & Mixed Martial
Arts Other Services Not Elsewhere Classified
Development
ITS Enterprises LLC
Medical Transcription
Real Estate
Oxygen/Supplies
Codes Enforcer LLC
Cummins Builders
Other Services Not Elsewhere Classified
Ken Mullican Auction Co.
Bulow Biotech Prosthetics LLC
Loss Prevention Systems Inc.
Lawn Care Services
Construction
Other Construction
Candles & Crafts
Big Shot Inkjets & Toners
Department Store
G R Industrial
Heaven Scent Candles and Crafts
Bella Vista II
Budget Lawn Care Services
Other Construction
Other Retail Trade
Beck Auto Sales
K & S Construction
Miscellaneous Personal Services
Gary Wayne Duggin
B & H Utility Contractors
Excavating
Diamond Graphics
Diamond Painting Contractor Inc.
Restaurant
S & P Contractors
Contracting Services
Excavating
1st Choice Bail Bond Co.
Wolf River Grill
Other Agriculture
Wedel Excavating
WARREN COUNTY
Brannum’s Outdoors
Morgan and Morgan Construction
General Construction
Construction
Boat Rentals
Restaurant & Bar
Plumbing Contractor
Titan Hotel Constuctions LP
Against the Flow
Archery Supplies
Landscape & Horticulture Service
Home Furnishings Design/Sales
PICKETT COUNTY
Blooming Idiot’s
Johnboy’s Plumbing Services
The Aders Factor
W & J General Contractors
Photos
www.ucbjournal.com
Stone Sculptures
Valley Auto Sales
Auto Sales
Wilkerson Ironworks
Ironworks Service
Notes: Listings are for licenses issued in June and July
2006. Clay County does not require a license to establish
or operate a business. As of press time, Cannon, Smith,
Trousdale and Van Buren counties’ data was not
available. Licenses have been edited for space.
Maintenance Repairs
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931-528-5862 toll free 866-528-5862
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PROPERY TRANSFERS
www.ucbjournal.com
CANNON COUNTY
Seller: Betty Paschal
Buyer: James Hutchins
Property Address: 107 College St. S,
Woodbury
Market Appraisal: $93,200
Selling Price: $83,000
Seller: Southmark LLC
Buyer: Eckerd Corp.
Property Address: 408 Main St. W,
Woodbury
Selling Price: $3,090,153
Seller: Tim L. Akers
Buyer: Leonard and Rebekah Parton
Property Address: Emma’s Antique
Mall
Seller: Terry R. Reed
Buyer: Dottie C. Smith
Property Address: Reed’s Eastside
Market, 5716 McMinnville Hwy.,
Woodbury
Market Appraisal: N/A
Seller: Michael C. Hutchins etal %
Mike Simmons
Buyer: Len Ferrell
Property Address: Mike’s Auto Sales
CUMBERLAND COUNTY
Seller: Richard B. Coyle
Buyer: Christopher B. Howard
Property Address: Unspecified
Location on Jim Garrett Road
Market
PUTNAM COUNTY
Seller: S and N Properties
Buyer: P and J Properties
Property Address: 1000 Salem Church
Rd., Cookeville
Seller: Dyer Funeral Home LLC
Buyer: VBTC LLC
Property Address: 789 Willow Ave. S,
Cookeville
Seller: Arnold Kinnaird
Buyer: Carter Leasing Inc.
Property Address: 1997 Spring St. E,
Cookeville
Seller: David Enrico
Buyer: James W. Bolten
Property Address: 280 Jefferson Ave.
S, Cookeville
Seller: Albert A. Jones III
Buyer: David G. Christensen
Property Address: 85 18th St. E,
Cookeville
Seller: Allan Garrison
Buyer: Edward M. Spisak
Property Address: 1306 Washington
Ave., Cookeville
OVERTON COUNTY
Seller: Chad Gilbert
Buyer: J. Michael Floyd
Property Address: 1000 Brown Ave.,
Cookeville
Seller: GES Livingston LLC
Buyer: Coal DG Livingston LLC
Property Address: Dollar General
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Seller: Jane F. Mayberry
Buyer: Gary Fox
Property Address: 522 Broad St. W,
Cookeville
Seller: Bradley McGuire
Buyer: Robert D. Wilkinson
Property Address: 5102 Dodson
Branch Rd., Cookeville
Seller: Betty J. Johnston
Buyer: Annette Gallardo
Property Address: 5350 Dodson
Branch Rd., Cookeville
Seller: Calvin Y. Fowler
Buyer: Gerald J. Gormley
Property Address: 1203 Mountain
View Dr., Cookeville
Seller: Technology Store LLC
Buyer: Michael England
Property Address: 210 8th St. E
Seller: Frank Templeton
Buyer: Johnny K. Walker
Property Address: 1601 Hanging Limb
Rd.
Seller: Douglass L. Airhart
Buyer: Elias Marrero
Property Address: 514 Willow Ave. N
SMITH COUNTY
Seller: Consolidated Investors
Buyer: N/A
August 2006
27
Property Address: 204 Spicer Dr.
Market Appraisal: $1,128,200
Seller: Bruce Scott
Buyer: Hiwassee Village Mobile Home
Park LLC
Property Address: Unspecified
Location on Hiwasse Road
Seller: Ronnie Maggert
Buyer: David McDonald
Property Address: Maggert Auto
Repair on Cookeville Highway
Seller: Willie B. Bane
Buyer: Don Apple
Property Address: 38 Cookeville Hwy.
TROUSDALE COUNTY
Seller: Kurt Wagner
Buyer: Kenneth Sheesley
Property Address: Unspecified 1.43
acres
Seller: Cumberland Valley Warehouse
Buyer: Sam B. Rickman
Property Address: Unspecified 4.8
acres
WHITE COUNTY
Seller: Barbara D. Hall
Buyer: Ruben Hormilla
Property Address: Hall’s Market 7741
Monterey Hwy.
Note: Property transfers have been edited for space.
28
August 2006
EVENTS CALENDAR
www.ucbjournal.com
BUSINESS EVENTS
CANNON COUNTY
Sept. 7 Dowelltown City Council meeting,
Sept. 4 Livingston City Council meeting, City
Sept. 11 Planning Commission meeting,
Sept. 11 Overton County Commission meeting,
Sept. 14 Board of Education meeting, 7 pm.
Sept. 22 Overton County Chamber of
7 pm.
Sept. 5 Woodbury City Council meeting,
6 pm.
City Hall, 6 pm.
CLAY COUNTY
Aug. 7
Sept. 18 Smithville City Council meeting,
7 pm.
Clay County Court meeting,
Community Center, 6 pm.
Sept. 19 DeKalb County Chamber of
Aug. 7
Clay County Commission meeting,
Community Center, 6:30 pm.
Aug. 8
Celina City Council meeting, City
Hall, 6pm.
Aug. 8
Fire Board meeting, Women’s
Building, 6:30 pm.
Aug. 17 Industrial Board meeting, City Hall,
6 pm.
Commerce Board of Directors
meeting, NHC Healthcare in
Smithville, 11:30 am.
For more information, call Smithville
City Hall (615) 597-4745.
FENTRESS COUNTY
Aug. 14 Jamestown City Council meeting,
City Hall, 6 pm.
Aug. 28 Clay County Court Planning
Aug. 21 Fentress County Commission
Committee meeting, Community
Center, 6:30 pm.
meeting, Courthouse, 7 pm.
Aug. 24 Fentress County Chamber of
Sept. 4 Clay County Court meeting,
meeting, 5 pm.
Community Center, 6 pm.
Sept. 4 Clay County Commission meeting,
Community Center, 6:30 pm.
Sept. 11 Jamestown City Council meeting,
City Hall, 6 pm.
For more information, call City Hall
(931) 243-2115.
Sept. 18 Fentress County Commission
meeting, Courthouse, 7 pm.
CUMBERLAND COUNTY
Sept. 28 Fentress County Chamber of
Aug. 7
Airport Committee, Airport, 12 pm.
Aug. 8
City Council, City Hall, 6pm.
Aug. 14 Joint Economic Development Board,
City Hall, 4:30 pm.
Aug. 14 Tree Board, City Hall, 3 pm.
meeting, 5 pm.
(931) 879-8815.
JACKSON COUNTY
Sept. 7 Gainesboro City Council meeting, City
Hall, 7 pm..
Aug. 17 Arts Council, City Hall, 9:30 am.
Aug. 17 Traffic Planning Taskforce, 10 am.
Aug. 17 Planning Commission, City Hall,
(931) 268-9315.
5:30 pm.
Sept. 4 Airport Committee, Airport, 12 pm.
Sept. 6 Crossville Arts, City Hall, 10 am.
MACON COUNTY
Aug. 16 Chamber of Commerce Board of
Directors meeting, Community
Room, Ambulance Service Building,
3:30 pm.
Sept. 11 Joint Economic Development Board,
City Hall, 4:30 pm.
Aug. 24 Chamber of Commerce Luncheons,
Grecian Steakhouse, Lafayette,
11:30 am.
Sept. 11 Tree Board, City Hall, 3 pm.
Sept. 12 City Council, City Hall, 6pm.
Aug. 7
Smithville City Council meeting,
7 pm.
meeting, Cumberland Bank, 9 am.
Aug. 10 Board of Education meeting, 7 pm.
Aug. 14 Planning Commission meeting,
Aug. 15 DeKalb County Chamber of
meeting, NHC Healthcare in
Smithville, 11:30 am.
Aug. 7
7 pm.
Aug. 22 Alexandria City Council meeting,
Aug. 28 County Commission meeting,
Courthouse, 6:30 pm.
Grecian Steakhouse, Lafayette,
11:30 am.
OVERTON COUNTY
Aug. 21 Smithville City Council meeting,
7 pm.
Sept. 26 Chamber of Commerce Luncheons,
For more information, call Macon County
Chamber (615) 666-5885.
6 pm.
Livingston City Council meeting, City
Hall, 7 pm.
Aug. 14 Overton County Commission meeting,
Courthouse, 6 pm.
Aug. 25 Overton County Chamber of
meeting, Chambers Office, 12 pm.
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matt@uc3.biz
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(931) 261-8337
chad@uc3.biz
For more information, call City Hall (931)
823-1269 or Overton County Chamber (931)
823-6421.
PICKETT COUNTY
Aug. 14 Byrdstown City Council meeting,
City Hall, 5 pm.
Aug. 21 Pickett County Commission
meeting, Community Center, 6 pm.
Sept. 11 Byrdstown City Council meeting,
City Hall, 5 pm.
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Aug. 28 County Commission meeting,
Aug. 28 Hartsville City Council meeting,
Courthouse, 7 pm.
Sept. 25 County Commission meeting,
Courthouse, 7 pm.
Sept. 25 Hartsville City Council meeting,
Courthouse, 7 pm.
For more information, call County
Executive Office (615) 374-2461.
VAN BUREN COUNTY
Aug. 17 Spencer Planning Commission, City
Hall Annex, 4:30 pm.
Aug. 17 Chamber of Commerce membership
meeting, Chamber Building, 6 pm.
Sept. 18 Pickett County Commission
meeting, Community Center, 6 pm.
(931) 864-3407.
PUTNAM COUNTY
Aug. 10 Board of Zoning Appeals meeting,
5:15 pm.
Aug. 17 Cookeville City Council meeting, City
Aug. 21 County Court, Administrative
Building, 6 pm.
Aug. 31 Spencer City Council, Municipal
Building-City Hall, 5 pm.
Sept. 18 County Court, Administrative
Building, 6 pm.
(931) 946-2351 or County Executive Office
(931) 946-2314.
Hall, 6 pm.
Aug. 21 Putnam County Commission meeting,
Old Courthouse, 6 pm.
Aug. 24 Hospital Board meeting, 6 pm.
Aug. 28 Planning Commission meeting, 6 pm.
Sept. 5 Tree Board meeting, City Hall, 12 pm.
Sept. 7, 21 Cookeville City Council meeting,
City Hall, 6 pm.
Sept. 14 Board of Zoning Appeals meeting,
WARREN COUNTY
Aug. 8, 22 McMinnville City Council meeting,
City Hall, 7 pm.
Aug. 21 Warren County Commission meeting,
Courtroom in the Administration
Building, 6:30 pm.
Sept. 12 McMinnville City Council meeting,
City Hall, 7 pm.
Sept. 18 Warren County Commission meeting,
Courtroom in the Administration
Building, 6:30 pm.
5:15 pm.
Sept. 18 Putnam County Commission meeting,
Old Courthouse, 6 pm.
(931) 473-1200.
(931) 526-9591.
SMITH COUNTY
Aug. 14 Smith County Commission meeting,
Sept. 22 Economic Development Committee
Liberty City Council meeting, 7 pm.
meeting, Chambers Office, 12 pm.
Sept. 20 Chamber of Commerce Board of
Directors meeting, Community
Room, Ambulance Service Building,
3:30 pm.
TROUSDALE COUNTY
Courthouse, 7 pm.
Aug. 14 Gordonsville City Council meeting,
DEKALB COUNTY
Aug. 7
Courthouse, 6 pm.
Aug. 25 Economic Development Committee
meeting, Cumberland Bank, 9 am.
(931) 484-5113.
Hall, 7 pm.
City Hall, 6:15 pm.
Courthouse, 7 pm.
Aug. 22 Smith County Chamber of Commerce
Board of Directors meeting, Chamber
Office, 7 am.
Sept. 7 South Carthage City Council meeting,
City Hall, 7 pm.
Sept. 7 Carthage City Council meeting, City
Hall, 7 pm.
Sept. 11 Gordonsville City Council meeting,
City Hall, 6:15 pm.
Sept. 11 Smith County Commission meeting,
Courthouse, 7 pm.
Sept. 26 Smith County Chamber of Commerce
Board of Directors meeting, Chamber
Office, 7 am.
For more information, call Smith County
Chamber (615) 735-2093.
WHITE COUNTY
Aug. 7
Sparta-White County Chamber
of Commerce Board of Directors
meeting, Panda Garden, 12 pm.
Aug. 16 Sparta-White County Chamber of
Commerce membership meeting,
White County Hospital, 12 pm.
Aug. 17 Sparta City Council meeting, City
Hall, 5 pm.
Aug. 21 White County Commission meeting,
Courthouse, 7 pm.
Sept. 4 Sparta-White County Chamber
of Commerce Board of Directors
meeting, Panda Garden, 12 pm.
Sept. 7, 21 Sparta City Council meeting, City
Hall, 5 pm.
Sept. 18 White County Commission meeting,
Courthouse, 7 pm.
Sept. 20 Sparta-White County Chamber of
Commerce membership meeting,
White County Hospital, 12 pm.
For more information, call the White
County Chamber (931) 836-3552.
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www.ucbjournal.com
EVENTS CALENDAR
August 2006
29
CIVIC EVENTS
CANNON COUNTY
Aug. 19 Auburntown Fire Department Fish
Fry, after 12pm.
Sept. 2 Auburntown Lions Club Fish and
Shrimp
Sept. 16 Auburntown Fire Department Fish
Fry, after 12pm.
CLAY COUNTY
Aug. 19 KTPA Truck Pull, Fentress County
Agricultural Fair, Fentress County
Fairgrounds.
Aug. 28 - Sept. 2 Fentress County
Agricultural Fair, Fentress County
Fairgrounds
For more information, call the Fentress County
Chamber (931) 879-9948.
JACKSON COUNTY
Aug. 10 School Board meeting, Board of
Aug. 14 Jackson County Historical Society,
Aug. 14, 28 Lions Club meeting, upstairs
For more information, call the Jackson County
Chamber (931) 268-0971.
Education Building, 6 pm.
Concession Building in Recreation
Park, 6:30 pm.
Aug. 24 Clay County Park and Recreation
meeting, Women’s Building, 6:30
pm.
Sept. 11, 25 Lions Club meeting, upstairs
Concession Building in Recreation
Park, 6:30 pm.
Setp. 14 School Board meeting, Board of
Education Building, 6 pm.
For more information, call the Clay County
Chamber (931) 243-3338.
CUMBERLAND COUNTY
Aug. 17-26 Cumberland County Fair.
Featuring a midway, pageants,
games of skill, contests, food, live
music and entertainment, 4-H
exhibits and best in show. Contact
the Cumberland County Fair
Association (931) 484-9454.
Sept. 1-3 John Boy & Billy Grillin Sauce
MotionXpo and Barbecue Cook-off,
Community Complex, (Sat) 8 am to 9
pm (Su) 9 am to 4 pm. Performance
workshops, swap meets, show cars,
trucks, motorcycles and antique
tractors. Adult admission $5 and
three-day family admission $15.
Contact Cynthia Cole Davis (931)
707-7778.
Sept. 13 United Fund Annual Kick-Off,
Community Complex. BBQ lunch
and live entertainment. Contact
Holly Neal (931) 484-4082 or
unitedfund@frontiernet.net.
Sept. 16 Pioneer Days, Community Complex,
9 am. Native American dancers,
heritage demonstrations, live music,
dancing, fun and food. Admission
$5. Contact the Fair Park Senior
Center (931) 484-7416.
For more information, call the Cumberland
DEKALB COUNTY
Aug. 8
DeKalb County Fair Association
Board of Directors meeting, 6:30 pm.
Sept. 12 DeKalb County Fair Association
Board of Directors meeting,
6:30 pm.
For more information, call the DeKalb County
Chamber (615) 597-4163.
FENTRESS COUNTY
Aug. 12 Mule Pull, Fentress County
Agricultural Fair,
Aug. 19 Dog Days of Summer, Wienie
Roast & Ride/Swim, True West
Campground
Jackson County Museum, 6:30 pm.
MACON COUNTY
Aug. 6-12 Macon County Fair, Macon
County Fairgrounds. Contact Debbie
Mason (615) 666-2121 or e-mail
dmason@nctc.com.
Sept. 9 Antique Car Show, The Thomas
House, Red Boiling Springs. Contact
(615) 699-3006.
Sept. 9 Makin’ Macon Fit Festival. Contact
Sheila Shrum (615) 666-2151 or
sshrum@nctc.com.
Sept. 16 Mud Run, Macon County
Fairgrounds. Contact Jimmy Goad
(615) 666-5179.
For more information, call the Macon County
Chamber (615) 666-5885.
OVERTON COUNTY
Aug. 10 Overton County Health Council
Aug. 26 9th Annual Standing Stone Car Show,
Standing Stone State Park. Contact
Patrick Randall (931) 823-6347.
Sept. 8, 9, 11 Overton County Bicentennial
Celebration, Livingston Courthouse
Square. Contact Rita Reagan
(931) 823-6421.
Sept. 14 Overton County Health Council
Sept. 16 Standing Stone Marbles Festival and
National Rolley Hole Championships,
Standing Stone State Park. Contact
Shawn Hughes (931) 823-6347.
For more information, call the Overton County
Chamber (931) 823-6421.
PICKETT COUNTY
Aug. 11 Relay for Life. Contact Janet
Huddleston (931) 864-3133.
Aug. 24-26 11th Annual Street Festival.
Booths, pageants, lip sync contests,
singing competition, tractor pulls
and more. Contact 1-888-406-4704.
Aug. 26 Pickett County History Day
2000 Conference, Pickett County
Community Center, 9 am – 6 pm.
Booths, Indian trails, cemetery
tours. Contact (931) 864-3323.
Sept. 9 4th Annual Sierra Hull Bluegrass
Festival, Pickett County High School
Athletic Field, 11 am.
Sept. 23 Cordell Hull Folk Festival. Crafts,
food, book authors, artists, clogging,
square dancing, music, story telling
and more. Contact the Chamber 1888-406-4704.
For more information, call the Pickett County
Chamber toll-free 1-888-406-4704.
PUTNAM COUNTY
Aug. 3-12 Putnam County Agricultural &
Industrial Fair, Putnam County
Fairgrounds. Contact Bill Dyer
(931) 526-7685.
Aug. 5-6 Rodney Atkins Golf Classic,
Ironwood Golf Course. Contact the
Upper Cumberland Development
District (931) 432-4111.
Aug. 11 Mother-Son Date Night, Leslie Town
Centre, 6 pm. Dinner, dancing, photos
and more. Contact Leisure Services
(931) 520-5297.
Aug. 19 2006 Kids Expo, Cookeville High
School. Contact Kellie Fitzpatrick
(931) 252-0759.
Aug. 29 Cookeville Community Band
Performance, Dogwood Park, 7 pm.
Contact the Drama Center (931)
528-1313.
Sept. 8-9 11th Annual Fall Fun Fest,
Courthouse Square, Downtown.
Contact Dennis Freeman (615)
445-5077.
Sept. 8-9 17th Annual Tennessee State
Championship Cook-off, Downtown
Cookeville. Contact Tony Stone (931)
526-1063.
Sept. 11 9-11 Memorial Service, West side
of Cookeville Courthouse, 7 pm.
Contact Steve Moore (931) 528-1177.
For more information, call the Putnam County
Chamber (931) 526-2211.
SMITH COUNTY
Aug. 8, 15, 22, 29 Carthage Rotary meeting,
6:45 am. Contact Robert Woodard
(615) 735-2940.
Aug. 10 Carthage Lions Club meeting, 7 am.
Contact Jim Tucker (615) 735-0569.
Aug. 17 Southside Lions Club meeting, 6:30
pm. Contact Lurlie Underwood (615)
683-2265.
Aug. 21 Smith County Health Council meeting
Aug. 22 Smith County Heritage Museum
meeting, 4:30 pm. Contact Tom
Upchurch (615) 735-0410.
Aug. 24 Leadership Opportunity Smith
County, Chamber Building, 12 pm.
Sept. 5, 12, 19, 26 Carthage Rotary meeting,
6:45 am. Contact Robert Woodard
(615) 735-2940.
Sept. 7, 21 Southside Lions Club meeting,
6:30 pm. Contact Lurlie Underwood
(615) 683-2265.
Sept. 14 Carthage Lions Club meeting, 7 am.
Contact Jim Tucker (615) 735-0569.
Sept. 18 Smith County Health Council meeting
For more information, call the Smith County
Chamber (615) 735-2093.
TROUSDALE COUNTY
Aug. 10, 17, 24, 31 Hartsville Lions Club,
Dillehay’s Café, 6:30 pm.
Aug. 11, 18, 25 Hartsville Kiwanis Club,
Oldham’s Market, 11:30 am.
Aug. 17 Hartsville Rotary Club, Oldham’s
Market, 12 pm.
Sept. 1, 8, 15, 22, 29 Hartsville Kiwanis
Club, Oldham’s Market, 11:30 am.
Sept. 7, 21 Hartsville Lions Club, Dillehay’s
Café, 6:30 pm.
Sept. 7, 14, 21, 28 Hartsville Rotary Club,
Oldham’s Market, 12 pm.
For more information, call the Trousdale County
Chamber (615) 374-9243.
WARREN COUNTY
Aug. 11-12 Viola Valley Homecoming
Aug. 19 McMinnville Jaycees 2nd Annual
Sporting Clay Tournament, Viola
Valley Shooting Range. Contact
Keith (931) 808-2728.
Aug. 26 Back to School Movie Night,
Security Federal’s West Lawn. Food
and activities begin at 6 pm, the
movie begins at 8 pm.
Sept. 1-2 McMinnville City High School
Student Reunion. Food, pictures,
era music, a talent show, and more.
Contact Jeff Golden (931) 473-5684
or Diane Stanley (931) 668-9359.
Sept. 9-16 Warren County Agriculture and
Livestock Fair.
Sept. 10 Young Men United Flag Football
League. Contact Rob Wood (931)
815-9770.
For more information, call the Warren County
Chamber (931) 473-6611.
WHITE COUNTY
Aug. 18 Bluegrass at the Sparta
Amphitheater, Liberty Square (rain
Sparta Civic Center), 7 pm. Contact
Ed Baker (931) 738-8604.
Aug. 19 The Cruise In – Good Time Cruisers,
Liberty Square, 5 pm – 8:30 pm.
No fees. Contact Royce and Darlene
Young (931) 657-5591, Bill and
Kathy (931) 761-8687 or Kenny
Dobson (931) 738-2525.
Sept. 1-9 151st White County Fair at the
Fairgrounds, N. Spring St. Includes
a mule show, tractor show, horse
show, exhibits, concessions, country
music, square dancers, carnival,
races, beauty pageants. Contact Paul
Bailey (931) 738-5065.
Sept. 15 Bluegrass at the Sparta
Amphitheater (rain Sparta Civic
Center), Liberty Square, 7 pm.
Contact Ed Baker (931) 738-8604.
Sept. 15-17 Rock Island Freestyle Kayaking
Championship, Rock Island State
Park. 15-20 countries will be
competing. Contact Rock Island
State Park (931) 686-2471.
Sept. 16 The Cruise In, Liberty Square, 5 pm
to 8:30 pm. No fees to show your car
or enjoy the exhibit. Contact Royce
and Darlene Young (931) 657-5591,
Bill and Kathy (931) 761-8687 or
Kenny Dobson (931) 738-2525.
Sept. 16-17 Mid-State Gun & Knife
Show, White County Agricultural
Community Complex, (Sat) 9 am
to 5 pm and (Sun) 9 am to 4 pm.
Admission is $4. Buy, sell or trade.
Contact Bill Bohannon (931) 7388675.
For more information, call the White
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August 2006
COLDWELL BANKER COMMERCIAL Hamilton & Associateswww.ucbjournal.com
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CLASSIFIEDS
www.ucbjournal.com
August 2006
To place your CBJ Classifieds call Lisa @ 800.499.2332
Home Office: 931-335-2312
Toll Free: 888-824-2121
Email: Derek@C21Fountain.com
COMMERCIAL REAL ESTATE
LORRETO
MLS #491248
Clax Branch Golf Course, Loretto,
TN. 32 1-acre plus golf course lots
for sale. Located 30 minutes North of
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Nashville
Contact Derek Granfield, Century 21
Fountain Realty
Toll Free: 888-824-2121
Cell: 931-335-2312
C-21 FOUNTAIN REALTY
3867 Peavine Rd., Crossville, TN 38571
931-707-2100
www.c21fountain.com
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MLS#103094
Price $159,000 Metal bldg. 5000 sq.ft.
Address: 185 Miller Road
Zoned: Unrestricted
Agent: Cay Shreckengost
Phone 931-526-1772
CROSSVILLE
MLS# 491870
HOMESTEAD BED AND BREAKFAST
.One-of-a-kind Stone & Log Home on
13.5 acres
. 5BD/6BA, Living room. 3 Kitchens,
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. Pond, Gazebo, and Gorgeous
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. $775,000
Agent: Pam Fountain
Phone: 931-707-2100 or 931-248-2400
MLS#102565
Price: $750,000
Address: S. Jefferson & Lowe
175x335
Zoned: General Commercial
Agent: Cay Shreckengost
Phone: 931-526-1772
SPACE FOR LEASE
1100 sq. ft. of Office Space
Close to Putnam Court House
$700 per month
Call: Cay for info 931-528-1751
CROSSVILLE
MLS# 484624
. Formally Known as “Cumberland
General Store”
. Over 6500 Sq. Ft. of Store Facility
w/space For Additional Parking
. Commercial Kitchen Facility
. Currently Being Remodeled to Provide
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. Unlimited Potential
. $629,000 Agent: Pam Fountain
Phone: 931-707-2100 or 931-248-2100
HERITAGE REAL ESTATE INC.
530 WEST JACKSON STREET
COOKEVILLE, TN 38501
931-526-1772
heritage@tnaccess.com
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AUG 26
10 AM
1.46 ACRES ~ PRIME LOCATION!
* IN THE HEART OF CROSSVILLE.... GOLF CAPITAL OF TENNESSEE !!!
* RIGHT ACROSS FROM U.S. POST OFFICE!
OLD JAMESTOWN HWY
CROSSVILLE, TN
FROM I-40, take Exit 317, go south
into city, left on Industrial Blvd, left
onto Old Jamestown Hwy. Property
on left across from U.S. Post Office.
EXPANDING LAND COMPANY needs
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Call Jack
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ATTENTION: INVESTORS,
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FOR SALE: 20 gumball machines
on 10 chrome bases.10 yellow-10
red. Removeable cash drawer (new
machines) $350.00 per double head
unit(negotiable).Will make nice addition
to existing business. Also 5500watt
homelight generator new never used
$600.00 or best offer. Call 931-668-9239.
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HELP WANTED
FAIRFIELD GLADE
Michael’s Restaurant. A beautiful tea
room type restaurant. Very clean and
well kept. Has a beer license. Seating
available for 38 customers. Great
location on Peavine for walk-in clients
from Fairfield Glade or time-share
people just visiting. This is a turnkey
operation. Existing owner will spend
two weeks after close training & helping
new owner. MLS#503098
Agent: Derek Granfield 931-707-2100
A Prime & Rare Opportunity!! An Excellent 1½± acre lot in the heart of the growing city of
Crossville, TN!! 207± ft of road frontage; extends 307± to the back. Electric, water & sewer
available. SEE FULL DETAILS @ WWW.MCWILLIAMSAUCTIONS.COM. Call Ted @ 931-261-7821.
FIRM
#2470
675 SOUTH JEFFERSON AVE
COOKEVILLE, TN.
526-3331 1-877-506-3331
ANNOUNCEMENTS MADE DAY OF SALE TAKE PRECEDENCE OVER PREVIOUSLY PRINTED MATERIAL.ALL INFO. CONTAINED HERE IS BELIEVED TO BE BUT NOT GUARANTEED CORRECT.
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COOKEVILLE
Borders Cane
Creek Park and City
Property - 61 acres,
Buffalo Valley Road to
West Jackson. Joins
Cane Creek School
and Eagles Landing
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31
centralstoragetn.com
COOKEVILLE
300 foot Frontage
on Interstate Drive
- Great visibility,
one of the best lots
available!
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H
MULTIPLE LISTING SERVICE
REALTOR
®
eritage
� � � � � � � ��
Serving Putnam County since 1975
(931) 526-1772
www.heritagetn.com
Co o kevill e Re g i onal M e dic a l Center
Staffed by more
than
130
physicians
representing
Cookeville Regional Medical Center's planned,
stable growth has made us a health care center
of choice in the Upper Cumberland.
We have physicians who were trained at noted
university hospitals that are ranked among the
best in the nation.
Our 247-bed facility — home to first-class
physicians, nurses, specialists, staff, equipment
and other resources — has made folks realize
that quality health care is much closer to home
than metropolitan areas.
Cookeville Regional provides inpatient,
outpatient and emergency
care for more than
100,000
patients
each year.
36
medical specialties
making your health
care needs priority
number
1
(931) 528-2541 + 142 West Fifth Street + Cookeville, TN + www.crmchealth.org
Physician Referral: 931-646-2571 or toll-free at 877-DRS-CRMC (877-377-2762)

INSIDE This Edition - Smithville`s Stella Luna gallery closing after 10

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