TENNESSEE TITANS BEHIND THE WHEEL Nowhere to A challenger go but up for Camry It’s been 20 years since the Free! e top-seller from Toyota last 2-14 season. Can current might have met its match in Please leadership right this ship? the Volkswagen Passat. P16 P15 take one.

January 2 – 8, 2015 Vol. 41 | Issue 1 KNOXVILLE EDITION

www.TNLedger.com/Knoxville The power of information. LedgerDAVIDSON • WILLIAMSON • SUMNER • CHEATHAM • RUTHERFORD WILSON ROBERTSON • MAURY • DICKSON • MONTGOMERY • KNOX • ANDERSON •BLOUNT •SEVIER | FORMERLY WESTVIEW SINCE 1978 UT’s Tyndall winning fans despite NCAA investigation Quick success helps change the subject – for the moment

Dave Link’s analysis begins on page 2

AP Photo/Wade Payne Tennessee head coach Donnie Tyndall directs the Vols during their 67-55 win against Butler, which at the time was ranked No. 15 in the nation.

More inside: Newsmakers ...... 7 Find Public Notices Guerrilla Marketing ...... 3 Public Notices ...... 10–14 inside & online: News Briefs ...... 4 Behind the Wheel ...... 15 Community Calendar ...... 6 Tennessee Titans football ...... 16 www.TNLedger.com Crossword...... 6 Cooking Corner ...... 16 Page 2 www.TNLedger.com/Knoxville JANUARY 2 – 8, 2015

NCAA probe looms over rebuild e ort Will Tyndall solve UT’s problems or create more? Donnie Tyndall has hardly slowed down since the former Southern Miss head coach took over Link Tennessee’s basketball on UT program in April. By DAVE LINK Of course, Tyndall had little choice. Only four scholarship players from UT’s 2013-14 roster remained after former coach Cuonzo Martin left for California in April. Martin’s former UT recruits defected, Jordan McRae and Jarnell Stokes declared for the NBA draft, and underclassmen A.J. Davis and Darius ompson decided to leave UT. So Tyndall and his sta were forced to assemble a team, and they did so in a little more than a month. ey signed eight players – two  fth-year senior transfers, two junior-college signees, a prep-school graduate and three freshmen – and built the team around senior guard Josh Richardson, the Vols’ top returning player. When the Vols opened the season with a Nov. 14 loss against then-No. 15 Virginia Commonwealth, they quickly showed what Tyndall’s coaching style was all about. Tyndall frantically subs players in and out of the game, and starting lineups are Icon Sportswire via AP Images Tennessee Coach Donnie Tyndall has gained fans with his emotional approach on the sidelines, his team’s tenacious defense on the court, and an early subject to change with each game. season upset of Butler. But all that goodwill could disappear quickly if an NCAA investigation of his time at Southern Mississippi uncovers serious infractions. And Tyndall plays a matchup zone defense the entire game, the full 40 Chris Dortch Bio run at Tennessee in recent years.’’ minutes. Has the SEC ever seen that? How did Tyndall put together Tyndall is nothing but high octane Chris Dortch has edit- Q: a team so fast (only four on the court. He paces the sidelines. He ed what many consider scholarship players back), and have you the “bible” of college screams at players and o cials. He turns ever seen anything like that done? to the fans, waives his arms upward. Time basketball, Blue Ribbon to get o your feet, Vol fans. College Basketball “Tyndall did the same thing at en he enters the media room, Yearbook, for the last A: Southern Miss when he took the 20 years. He’s also writ- calm and collected. He congratulates ten a book about SEC job there a couple of years ago, so it wasn’t opponents, talks basketball and gets a basketball, String Music: unusual for him to scramble around and chuckle here and there from reporters. Inside the Rise of SEC  nd players. Tyndall is  ery on the bench, Basketball, written for “He and his assistants called everyone personable o the court. You would never SECsports.com and NBA. they knew, scoured the country looking know an NCAA investigation from his com, and appeared on for unsigned high school players, junior tenure at Southern Miss looms. television shows on NBA college transfers and Division I transfers, TV, CSE, Fox Sports South It’s his second brush with the NCAA and the Big Ten Network. and brought in all the above. Two players rulebook. In 2010, the NCAA brought who had signed with Tyndall followed He currently co-hosts sanctions on Tyndall’s program at the Blue Ribbon College him to Knoxville, and that helped. Morehead State for an incident that Basketball Hour with “ e crazy thing is that the recruiting involved a booster o ering improper voice of the Belmont e ort could have been even better had bene ts to recruits, among other rules Bruins, Kevin Ingram. 6-foot-4 point guard Jon Octeus been violations. The show airs at 11 a.m. allowed in school. He was a senior-eligible Now, the NCAA is investigating CT Saturdays throughout transfer from Colorado State, where he Southern Miss and Tyndall’s two seasons the basketball season on had been a key player before deciding to 104.5 The Zone. there. is investigation reportedly stems get his graduate degree and use his  nal from possible  nancial assistance given to Information at www.blueribbonyearbookonline.com year of eligibility at UCLA. players who were academically ineligible “Despite the fact he was a college at the time. graduate with a 2.5 GPA, he wasn’t Tyndall has agreed to cooperate defeated Kansas State on Dec. 6 and upset What is your take on Tyndall’s allowed in UCLA, sort of at the last with the NCAA on the Southern Miss then-No. 15-ranked Butler a week later. Q: coaching job thus far? minute. He actually then wanted to come Chris Dortch, editor of Blue Ribbon situation, and perhaps he’s even been pro- “Considering the mess that to Tennessee, but school had been in College Basketball Yearbook for the last active. Before the season opener, assistant A: was left behind, including two session for two weeks already, and Tyndall 20 years and a Chattanooga resident, has coach Adam Howard resigned citing players taken in the NBA Draft, a four- and his sta just couldn’t pull it together. followed Tyndall’s coaching climb and personal reasons, and R.J. Rush, special man recruiting class choosing to sign “Octeus landed at Purdue, where he written about Vols basketball for even assistant to the coach, left citing family elsewhere and two players, including became an instant starter. Last time I longer. reasons. Howard and Rush were among point guard Darius ompson, departing, checked, he was averaging seven points, As the Vols prepare for the SEC opener the sta at Southern Miss who moved he’s done a great job. nearly  ve rebounds, a little more than at Mississippi State on Jan. 7, here’s with Tyndall when he was hired at UT. Tyndall and his sta had to scramble to three assists and was leading the team in Dortch’s observations on Tyndall and the e Vols, meanwhile, seem as unfazed  nd players and install his system, which steals and shooting 80 percent from the by any NCAA distractions as Tyndall. program: is complex compared to what has been TYNDALL >> PAGE 9 After going 2-3 in November, UT JANUARY 2 – 8, 2015 www.TNLedger.com/Knoxville Page 3 4 transformational sales resolutions for the new year Change is hard for most people, but only through change can we grow. e New Year is the perfec t time to take a hard look at what worked in your sales approach and what didn’t Guerrilla deliver for you in 2014, to break Marketing ine ective sales habits, and to resolve to By LORI adjust your approach. TURNERWILSON Consider these four resolutions for 2015 to ensure you start the year ahead Ledger AP Photo/Orlin Wagner, File of the pack. While seemingly fundamental on the surface, Falling fuel prices and more ef cient cars will save the average U.S. household $550 on gas next year, mastering these sales skills will transform your sales according to the U.S. Energy Information Administration. The power of performance. information. 1. Stop winging it I don’t care how good you think Published weekly by you are, you are always better with US will power world Westview Newspaper, LLC preparation – from the initial call 223 Rosa L. Parks Ave. with a prospect to the  rst meeting Suite 205 to the formal presentation. Nashville, TN 37203 economy in 2015 (615) 254-5522 Research the prospect and his FAX: (615) 254-5525 business. Christopher S. Rugaber By | Associated Businesses are investing in buildings and Prepare the high-impact questions that will demonstrate Press Economics Writer Monday-Friday 9 a.m.-5 p.m software, and home building is expected your value as a business partner. WASHINGTON — e United to pick up. Publisher Anticipate the objections and the questions each States is back, and ready to drive global Lower oil prices will also help Europe Eric Barnes prospect will ask, and practice your response. Any prospect growth in 2015. General Manager and Japan, and the global economy & Executive Editor worth calling on is worth the prep. After long struggling to claw its way out should expand faster than it did this year, Lyle Graves 2. Be militant with your follow through of the Great Recession, the world’s biggest [email protected] economists say. It is ba ing why any sales rep would work hard to economy is on an extended win streak But the divergence between the United Planning Editor Cindy Smith secure a meeting and then drop the ball. that is edging it closer to full health. But [email protected] States and most of the rest of the world If you tell a prospect they will hear back in two days, the new year doesn’t look quite so bright is striking and carries some risks. Big Contributors that doesn’t mean three. in other major countries. exporters, from China to Germany to Hollie Deese Tim Ghianni If you say you will send a piece of follow-up material, China is slowing as it transitions from Japan, will depend heavily on a recovering Bonny C. Millard send it the  rst moment you have available, preferably investment to consumption. Japan has slid U.S. to boost their economies. Dave Link Terry McCormick within 24 hours. into a recession. Russia appears headed for A pickup in global growth “is highly Joe Morris Your lack of follow through sends a message to your one. Europe is barely growing. dependent on the assumption that the Jeannie Naujeck Sam Stockard prospect that they don’t matter to you, regardless of your And the U.S.? U.S. economy continues to improve,” said Kay Bona real intention. Six years after its  nancial system Douglas Porter, chief economist at BMO Vic Fleming Tom Wood 3. Earn the right not to prospect nearly sank and nearly that long since Capital Markets. “If that doesn’t play Art Director Many a salesperson puts o prospecting, preferring the recession ended, the United States out, there’s not much left for the global Leigh Melton Singleton is expected to grow in 2015 at its fastest economy to fall back on. [email protected] instead to focus on easier tasks. pace in a decade. Its expansion from July It is understandable, as prospecting is a tough business Swirling global headwinds ADVERTISING where only the disciplined survive. Perhaps the single most through September — a 5 percent annual Even if the U.S. economy does Advertising deadline rate — was the swiftest for any quarter is Friday 5 p.m. impactful change you could make to your sales routine strengthen further, the rest of the world Call 615.254-5522 or email in 2015 is to make prospecting – or lead generation – the since 2003. could struggle. For one thing, faster [email protected] for rates and information  rst task you tackle at the top of every day. at pace will likely ease a bit. Still, growth will likely lead the Federal Reserve Advertising Director You will likely  nd yourself with extra time on your the economy is expected to expand 3.1 to raise interest rates in 2015, which could percent next year, according to a survey Dianna Chambers hands, as you may have been unknowingly stretching out draw more investment from overseas. e [email protected] by the National Association for Business your other activities to  ll your day, leaving limited time in ow of capital would raise the dollar’s Business Manager for prospecting. Economics. It would be the  rst year of 3 value and potentially cause destabilizing Pam Mallett percent growth since 2005. pmallett@memphisdailynews. In 2015, earn the right to focus on non-lead-generating drops in other currencies. com activities by ensuring you  rst meet your daily targets e acceleration of U.S. growth is a key Governments and businesses overseas Public Notice Director reason the global economy is also expected Don Fancher before any additional work commences. that borrowed in dollars would  nd it [email protected] to grow faster, at about 3 percent, up 4. Recognize the real journey isn’t closing harder to repay those debts. Public Notice Department e old sales adage “always be closing” should be from 2.5 percent in 2014, according to e hot economies of the last decade Teresa Mullally economists at JPMorgan Chase and IHS Sandy Youngblood banned from sales training. — the emerging markets of Brazil, Russia, Laurie Beck See your job as that of consultant, where your life’s Global Insight. India and China collectively known as the Cheering cheaper oil The Ledger is a general work is to identify prospect challenges and overcome “BRICs” — will likely grow in 2015 at interest newspaper them, even when the solution is not your own. Plunging oil prices are a big reason their slowest pace in six years, according covering business, law and development throughout the Not every prospect can truly bene t from what you are for the optimism. Prices have been cut to Oxford Economics, a forecasting  rm. Knoxville area. selling, and not every prospect will make a future ideal roughly in half since summer. In some Falling oil and commodity prices have The Ledger’s customer for you. areas of the country, gasoline prices have predecessor, Westview, smacked Brazil and Russia particularly Recognizing that you are not walking into each prospect slipped below $2 a gallon. e drop, was founded in 1978. hard. meeting to necessarily land a sale can be freeing, and it’s along with more fuel-e cient cars, will Visit us online at China may expand 6.5 percent or more. www.TNLedger.com the right thing to do. save the average U.S. household $550 Yet that’s a far cry from the nearly double- Follow us on Twitter on gas next year, according to the U.S. digit growth it enjoyed for decades. @TNLedger Lori Turner-Wilson is an award-winning columnist Energy Information Administration. at Europe and Japan will be lucky to expand and managing partner of RedRover Sales & Marketing, means consumers have more to spend on even 1 percent. www.redrovercompany.com, with o ces in Memphis items like cars, furniture and appliances. e gap between the U.S. and the rest and Nashville. You can follow RedRover on Twitter (@ What’s more, Americans’  nances are in of the world re ects a fundamental trait redrovercompany and @loriturner) and Facebook (facebook.  rmer shape. Job growth is accelerating. ECONOMY >> PAGE 15 com/redrovercompany). Page 4 www.TNLedger.com/Knoxville JANUARY 2 – 8, 2015

“Title companies are a natural extension While the impact of the app is starting news briefs FROM AP AND OTHER SOURCES of the mortgage business,” said Ron to take shape locally, the ease at which it Honeycutt, CUSET chairman. “Y- could be applied in other cities and for Cumberland Avenue Trust Fund for tuition assistance to needy 12 FCU and ORNL FCU are two of other modes of transportation has begun families throughout East Tennessee the area’s largest and most successful to generate outside interest. ■ project to be rebid $31,150 to assist Notre Dame High mortgage providers. Forming a title To take it beyond its current stage, the School in Chattanooga with needed company gives us added  exibility in team is focused on re ning the app based Knoxville o cials have announced they security upgrades meeting the mortgage needs of our on the input received, ensuring that it plan to rebid the construction contract for ■ $2,700 to St. Dominic Catholic respective membership, while ensuring stays as up-to-date as possible. the Cumberland Avenue street redesign School in Kingsport to assist with they receive the best value, convenience Arendt, a graduate student in the project. classroom technology needs and peace of mind.” department who succumbed to cancer Only one bid was submitted, according ■ $20,000 to Our Lady of Fatima for in March 2014, conceived of the idea as to the city’s website, and it was higher the Family Promise program, which assists a way to communicate medical needs of than budgeted. US Nitrogen donates homeless families in Blount County riders to transportation providers. Construction on the project now will ■ $175,000 for the creation of the funds for training facility Current team members Venkata begin in summer 2015. It was expected to diocese’s Prince of Peace retreat center Kamala Lavanya Marella, Hongbiao Yang, cost about $11 million. e only bid was ■ US Nitrogen has given Greeneville’s $5,000 to St. erese of Lisieux in Dhanush Agara, Li Yuting, Vijaykrishnan for more than $25 million. Fire Department a $50,000 donation to Cleveland for hosting of Remote Area Srinivasan, Gajanan Arha, Enrique “ e Cumberland Avenue Corridor build a 5-story training facility. Medical Clinic in Bradley County Macias De Anda, Geiwei Zhang, Dinesh project is a very complicated urban road ■ e structure will simulate rescue $5,000 to Alexian Brothers for a Patolla Reddy, Abishek Chimalapati, Issac project, and we knew it would present a scenarios in multistory residential or transportation program assisting 285 Atuahane and Bharadwaj Venkatasen number of challenges,” said Bob Whetsel, commercial facilities, according to a news elderly individuals with access to the continued Arendt’s work with the blessing the City’s Director of Redevelopment. release. grocery store and healthy food options in of his widow. Work will include major tra c- ow Chattanooga e facility, located next to Greeneville redesign and an utility upgrade along Light and Power Operations Center, will Cumberland Avenue which could cost Knoxville to add be constructed with stacked steel storage TVA land ll concerns more than expected. containers and will include steps, cage environmental groups e Cumberland Avenue project still 600 trees to landscape ladders and metal grading at the top to will be done in two phases despite the allow for rappelling training. KINGSTON (AP) — Environmental delay. Knoxville is planting 600 trees in its US Nitrogen’s donation will also groups are criticizing a plan by the Work will include putting in new neighborhoods. provide necessary training equipment. Tennessee Valley Authority to expand a underground stormwater, water, sewer Urban Forestry crews will be working US Nitrogen also will provide the used Kingston land ll used for waste from its and gas lines to replace antiquated lines on the project through March, according storage containers from its plant worksite. coal-burning power plant there. and to support new commercial and to the city’s website. e Knoxville News Sentinel reports at residential developments in the area. Tree experts will also be analyzing soil Students revolutionize least a half dozen groups have expressed and growing conditions as they pick 45 concerns that the site is prone to sinkholes St. Mary’s Legacy hands di erent species of trees for plantings in disabled transportation that would allow the land ll waste public places. to migrate to the Clinch River. e e ability to maneuver through daily out $700,000 Kasey Krouse, Knoxville’s  rst Urban concerns were expressed as part of a public activities could become easier for people Forester, has been identifying and comment period on the land ll proposal. e St. Mary’s Legacy Foundation facing any number of challenges thanks selecting sites for new trees. Together with TVA said in a statement that the of East Tennessee has awarded almost to innovative research from the College the City’s arborist, Je McCarter, Krouse land ll expansion is part of the utility’s $700,000 in grants to community of Engineering at the University of and his six employees will oversee the planned conversion from wet storage of agencies in the region. Tennessee, Knoxville. planting as well as studying, inventorying coal ash to dry storage, and the land ll Some of the funds came from the sale Inspired by the memory of late and working with a diverse variety of will be built and operated in accordance of Mercy Health Partners, the former colleague Eric Arendt, a team led by trees. with state regulations. e utility is St. Mary’s Hospital, according to a news Rupy Sawhney in the Department of spending between $1.5 and $2 billion on release. Additional funding came from the Industrial and Systems Engineering has ‘Donation Day’ raises the conversion at its various plants. Roman Catholic Diocese of Knoxville. developed an app that allows those who e 2008 failure of a wet storage pond Organizations receiving grant funding rely on Knox County Community Action $438,000 in funds in Kingston caused a spill of more than include: Committee (CAC) transportation to alert 5 million cubic yards of coal ash sludge ■ $99,650 in grants to Catholic Second Harvest of East Tennessee the system of their physical, mental or that fouled local waterways and a nearby Charities of East Tennessee for the O ce raised $438,000 during its ‘Double Your linguistic needs. waterfront community. TVA is spending of Immigrant Services, expansion of Donation Day.’ If someone with a muscular disorder $1.2 billion to clean that spill, a process Samaritan Place, growth of a transitional e agency received $200,000 in were to su er an episode, for example, that should be complete in the spring. housing program and pregnancy assistance matching gifts from sponsors and the app could notify the CAC driver of “ e land ll is already in operation projects $238,000 in donations from the the issue, prompting them to monitor or and currently takes dry gypsum,” a ■ $22,000 to the Ladies of Charity community, according to a news release. respond to the situation. TVA statement reads. “ e permit will of Knoxville for increasing nutritional e total donations will provide over Students have begun the process of allow the land ll to also take dry ash options in the food distribution program, 1,300,000 meals to the hungry in Second re ning the initial app,  ne-tuning it to and other material, all stored dry. TVA including the addition of fresh milk Harvest’s 18 county service area. meet the needs of real-world passengers believes storage on site is the best option ■ $15,000 to the St. Vincent de e fundraiser allows Second Harvest and groups. to minimize impact on the community. Paul Society in Newport for emergency to restock its shelves after the holidays and CAC o cials say working with UT to Storage o site would require additional assistance to residents of Cocke County help families who live with food insecurity develop the app will help many passengers truck tra c.” ■ $75,000 to the St. Mary’s Legacy during the winter. who depend on the transit services. Axel Ringe, conservation chair for the Clinic, a mobile doctor’s o ce serving A steering committee including a wide Tennessee Sierra Club, said research by rural East Tennesseans who are uninsured Credit unions to range of area organizations that deal his organization and other experts shows or underinsured with transportation or disabilities—from the site for the 100-acre expansion is not ■ $50,000 to assist Saint Joseph School launch title company Knoxville Area Transit to the O ce of suitable for the land ll. with a recent addition of space at the Aging—gave input and feedback. Ten CU Community and Credit Union “It’s undermined by sinkholes and school government-level bodies and more than Services of East Tennessee have teamed caverns,” he said. ■ $20,000 to Holy Spirit Church in 25 businesses were involved. up to launch CU Community Title e comments, provided to Tennessee Soddy Daisy for a food pantry program Knoxville Mayor Madeline Rogero Company, LLC. Department of Environment and and rent/mortgage and utilities assistance unveiled the app at a recent event and has e venture begins Jan. 2, 2015, Conservation for a comment period ■ $1,000 to St. Mary’s Church in shown interest in the app’s role in making according to a news release. that ends Tuesday, included an analysis Athens for establishment of a giving the city one of the most friendly for the e partnership represents a by Kingston-based environmental center to include a food pantry and disabled. groundbreaking collaboration between consultancy Global Environment LLC. clothing closet “We couldn’t have been successful East Tennessee’s most successful Mark Quarles, a professional geologist ■ $2,867 to St. Anthony of Padua without the help and input we’ve gotten subsidiaries of ORNL Federal Credit with the consultancy, said TVA’s permit Church in Mountain City for technology from those groups,” said Sawhney. Union and Y-12 Federal Credit Union, application relies on outdated, inaccurate upgrades “Everyone has really received it well and both headquartered in Oak Ridge. and insu cient information. ■ $175,000 to the Catholic Education given us great information and ideas.” JANUARY 2 – 8, 2015 www.TNLedger.com/Knoxville Page 5 You can’t a ord a holiday from your job search e holiday season of available workers should shrink and seekers today is  nding a company that’s applicant tracking system. is a perfect chance hopefully this will help to create a more emotionally healthy, and that treats e holidays can be a di cult time. In to spend quality competitive wage. employees with respect and appreciation. addition to the great memories, you may time with friends at means this is the perfect time for It’s often more important to job seekers  nd yourself juggling your schedule. You and family. It’s fun you to put your job search game plan than money. may also encounter stressful situations Career to put up holiday together for next year. To  nd out if your list of companies  ts such as money di culties or challenging Corner decorations, exchange While most employers are taking their this criteria, check out sites like Glassdoor. relatives. By ANGELA gifts and attend holiday vacations, use this time to do your com. Employees rate companies based on Between the craziness, take a little time COPELAND holiday gatherings. research and make decisions. many factors, similar to how you might to do something for yourself.Your job If we’re lucky, we Begin to answer a few basic questions: rank a restaurant or hotel online. search is truly an investment in your own get lots of rest, and extra time doing ■ Where do you want to live? If you know someone who has worked future. It’s a gift to both you, and your things we enjoy. ■ What type of job would you like to at one of your target companies, invite family. But, there’s one thing you shouldn’t have? them to co ee. Sitting down and talking Spend the time to work on your own forget about this holiday season – your ■ What type of company would you over food is often one of the best ways to search and strategy. Your future and your job search. Fortunately, the Labor like to work for? get the inside scoop on an organization. bank account will thank you. Department reported that over 300,000 ■ How much money do you want to Begin to monitor online job postings jobs were added this November alone in make? every day. As you  nd jobs you’re interested Angela Copeland is CEO/founder of the U.S. ■ How quickly do you want to make a in, apply as soon as possible. Great jobs Copeland Coaching, CopelandCoaching. In fact, it looks like we may be rivaling change? often attract hundreds of resumes. com, and author of “Breaking  e Rules 1999 job growth levels. As you narrow your focus, your target In addition to sending in your & Getting  e Job.” She also hosts the What will this mean for you in 2015? will become clearer. Begin to write a list application online, look for o ine ways Copeland Coaching Podcast on iTunes. Well, for starters, you should begin to of possible companies you might want to to get noticed. It’s not uncommon for a You can follow Copeland Coaching on see more job postings available online. work for. hiring manager to never see your resume Twitter (@CopelandCoach) and Facebook As the number of jobs grow, the number One of the biggest concerns of job because it was  ltered out of the online (facebook.com/CopelandCoaching). Money&MarketsExtra MarketPulse GOOD BAROMETER SMALL SURPRISE BUYBACK BINGE As goes January, so goes the year. The old stock- Small-cap stocks have Apple spent $17 billion last quarter market adage means that if January is an up month, rebounded to a record high. buying back its own stock. Only once Largest quarterly stock buybacks the full-year results will likely follow suit. The For much of the year, before has a company spent so much barometer has had a pretty good history, with a 77 small-cap stocks struggled on repurchases. It was earlier this percent accuracy rate since 1950, but due to worries that they had year, when Apple did it. The iPhone Apple Q1 2014 $18.0 b some market watchers prefer to become too expensive. The maker in fact holds the title for the narrow it to an even finer degree. Russell 2000 small-cap three biggest quarters for stock Apple Q3 2014 $17.0 b They say that if just the first five index had several jagged buybacks, and all have occurred since days of January are up, the full declines, including an 11 the spring of 2013. Apple’s stock Apple Q2 2013 $16.0 b year often is as well. That percent drop from early buyback last quarter was part of narrower barometer has an 85 September to mid-October, while large-cap stocks marched $145.2 billion in spending by Standard IBM Q2 2007 $15.7 b percent accuracy rate, higher. & Poor’s 500 companies on buybacks. Johnson according to the Stock But small-cap stocks have since recovered and on That’s up 13 percent from a year Q2 2012 $12.9 b Trader’s Almanac. It’s much Friday reached an intraday record. A big reason is that they earlier. Investors often like buybacks, & Johnson less reliable, though, if the first do more business in the U.S. than their larger rivals, and as they can reduce the number of five days are down. In that case, the U.S. economy appears to be the world’s healthiest. To shares a company has outstanding it’s about as accurate as a coin flip be sure, large-cap stocks have had an even better year, and give a boost to earnings per Source: S&P Dow Jones Indices in predicting full-year results. but the gap in performance has narrowed sharply. share. AP Buying low Ram Subramaniam Record highs Who he is: President of Fidelity Brokerage Services It was only back in October that the stock market flirted with a correction — What he says: Retail investors don’t always buy high and sell low. a 10 percent drop. But that was then. Investors have shrugged off numerous fears, including Europe Mom-and-pop investors often get market was more volatile with oil and the possibly falling into recession and plunging oil prices, to drive a bad rap. We’re supposedly overly ruble falling, we saw the buy/sell ratio go the market to new highs in the fourth quarter. emotional and too quick to buy high up to 1.34. The Standard & Poor’s 500 index has closed at a record high when the market is peaking and to sell The 1.34 buy/sell ratio shows that low when investments are going on sale. there was a dip in the market, and retail 52 times this year. The Dow Jones industrial average has had a But that’s not always the case. Ask Ram investors did use the opportunity to go streak of its own, setting a new record 37 times, according to Subramaniam, who has a good window back in. S&P Dow Jones Indices. into the actions of average investors. Where have investors generally been The S&P 500 has had S&P 500 Fidelity has more than 15 million retail putting their money? more record-high closes brokerage accounts nationwide. We found that health care, technology This year the S&P 500 closed above 1,900 and 2,000 for the first time. this year than any in When sliding prices for crude oil and financials are the top three sectors for Dec. 24 nearly two decades. and the Russian ruble helped drag the where new money goes. But in the last Standard & Poor’s 500 index down nearly 2,100 2,081.88 # of closing few weeks, since the market volatility has 2014 5 percent in early December, investors at been happening, we see that health Year highs Fidelity actually picked up their care remains strong, but technology Aug. 26 buying. They’ve been rewarded: 1995 77 Insider has come down, and energy has 2,000.02 The S&P 500 has since reached a 2,000 Q&A come in because energy prices have 1964 62 record high. come down. 1928 59 What have you learned about Buying energy stocks after they’ve May 23 recent investor behavior? 1,900.53 52* dropped goes against the stereotype 2014 In our investor base, one of the things of average investors being the “dumb 1,900 1929 48 we track is the buy/sell ratio (which money” and only buying high. measures total purchase orders of stocks The optimism of investors is really 1998 47 and stock-related investments, divided heartening to see, and they’re buying on 1987 47 by sell orders). In the third quarter of this opportunities. 1,800 year, it was 1.24 buys for every sell. Part I think what you’re seeing is that many 2013 45 of that is that Fidelity retail investors are customers are seeking education and Feb. 3 generally engaged with the market and 1,741.89 1997 45 research, and then they’re taking action. trying to grow wealth, so they’re more It’s true for millennials. A lot of them say 1985 43 biased toward buying. Over a long-term 1,700 they’re worried about finances, and many 1955 41 basis, the ratio is consistently over 1 don’t know where to go. Their most J F M A M J J A S O N D (meaning customers are doing more trusted advisers to date are their parents, * 4 trading days left buying than selling). and some don’t even talk to their parents. Trevor Delaney; Jenni Sohn • AP What we find interesting is that in the Sources: FactSet; S&P Dow Jones Indices Interviewed by Stan Choe. first two weeks of December, when the Answers edited for clarity and length. Page 6 www.TNLedger.com/Knoxville JANUARY 2 – 8, 2015

Returns, happy and other Surprises dif cult for Christmas birthdays A repeating with the publisher that my  ction was scene in “Breaking pretty bad and dedicated my sideline to Bad,” which I’ve non ction. But I digress. now watched With a Christmas-season birthday, twice, involves I’ve had the joy of being surprised at odd I Swear the protagonist’s times of the year. Usually, my wife is the By VIC FLEMING birthday. Skyler perpetrator. White (Anna Gunn) She started the insanity in July 1975, breaks up bacon strips on the plate of surprising me with a beach party. her husband Walter (Bryan Cranston), We were spending a week at Pawley’s arranging them into the digits that Island, S.C., with another couple, so indicate his age. the gathering was modest in size. I was Picture a graphic 51 intermingled with puzzled when nothing similar happened a two eggs, sunny-side up, and a side of year later. What, no tradition? hash browns. No one’s ever done that But law school had begun by then. for me. Which is not to say I’ve not been We’d moved, Susan and I, from Chapel treated on my birthday – I have been, Hill, North Carolina, to Little Rock. Our many times, to a variety of surprises. biorhythms were  ring di erently. I was born Dec. 26, 1951, in St. A few years after law school, though, Dominic’s Hospital, Jackson, Mississippi,  ve days after a perfunctory birthday nod where the beautiful Cranford sisters were on the actual date, Susan sprung a surprise sharing a room. Nor eet Fleming, 34, and party on me New Year’s Eve. Aha! So this her younger sister, Lucille Batte, delivered will happen when I least expect it? babies 12 hours apart that day. e later e most surprising birthday of all child was I, arriving at 6 p.m., I’m told. came in the late 1980s. On Susan’s actual Fashionably late. birthday in mid-April, I was taking her My “twin cousin,” Martha O’Shella to dinner and had invited a handful of “Shellie” Batte, and I were featured on folks to join us. I should have suspected page one of Jackson’s Clarion Ledger., something when she chose Slick Willy’s, along with our mothers, naturally. If this a restaurant-game parlor venue hardly were a novel, the author would describe known for its cuisine. the photo in detail, predicting certain Meeting her there, I arrived after character  aws, perhaps, from this or that work and was greeted by dozens yelling feature of the photo of a child’s face. “Surprise!” as they paused from playing e novelist might throw in a “Pac-Man” and air hockey. mysterious detail or two, portending the Ironically, we humans remember heart attack that would come 50 years, nothing of our actual birth. Yet we strive three months, and 26 days later. Yes, a mightily to fashion birthday-anniversary creditable writer of  ction would cleverly occasions that will be unforgettable. invite readers into the puzzle she expects them to solve over the course of the book. Vic Fleming is a district court judge in But this is no novel. I’m no  ction Little Rock, Ark., where he also teaches writer, although I did write a novel once, at the William H. Bowen School of Law. years ago. I read the rejection slip, agreed Contact him at vic [email protected].

meeting. 1:30 p.m. Main Assembly Room 201, Information: knoxvillechamber.com calendar [email protected] in the City County Building. Information: cityofknoxville.org Alcoa Board of Commissioners City of Alcoa Board of Commissioners meet THROUGH JAN. 4 TUESDAY, JAN. 6 Alive After Five in regular session, 7 p.m. in the Commission Holidays on Ice: City Council Knoxville Museum of Art event with Mac Chambers of the Municipal Building. Infor- Knoxville’s answer to Rockefeller Center Knoxville City Council meeting. 7 p.m. Main Arnold & Plate Full O’Blues Swing Orches- mation: cityofalcoatn.org in New York City, Holidays on Ice provides Assembly Room of the City County Building. tra. 6 p.m. knoxart.org. an outdoor, open-air venue for ice skating Information: cityofknoxville.org. UT Men’s Basketball on Market Square. A perennial favorite, the SATURDAY, JAN. 10 Vols host Arkansas, 7 p.m. Thompson-Bol- Blount County Beer Board ice skating rink offers family fun and holiday Run 4 their Live 5K/ 1 Mile ing Arena. 1600 Phillip Fulmer Way. Infor- cheer. The rink, presented by Home Federal Meeting of the Blount County Beer Board, Walk Freedom 424 Market Square 9 a.m. mation: utsports.com Bank, runs through Jan. 4, and is open rain 5:30 p.m. Room 430, Blount County Court- Information: cityofknoxville.org. or shine. www.knoxvillesholidaysonice.com house. Information: blounttn.org WEDNESDAY, JAN. 14 January Jaunt Civil Service WEDNESDAY, JAN. 7 THROUGH FEB. 28 The City of Oak Ridge Wellness Committee Knoxville Civil Service Merit Board. 1:30 Knoxville Chamber Event 25th Annual Smoky Mountain Winterfest and Oak Ridge Coordinated School Health p.m. Conference Room 453 in the City Natural beauty, outlet shopping, massive Social Media Series: 8 Mistakes Businesses host the January Jaunt. 9 a.m., Gallerher County Building. Information: cityofknoxville. displays of Holiday Lights on Smoky Moun- Make on Social Media, 11:30 a.m.-1 p.m. Bend Greenway and Clark Center Park. org tain Parkway and elsewhere in Sevierville Members $25, Non-members $25. Knoxville www.OakRidgeTN.gov. area, Christmas activities and more every Chamber, 17 Market Square, Suite 201, Disability Issues day until the end of Feb. 28. Information: knoxvillechamber.com. Men’s Basketball Knoxville Mayor’s Council on Disability www.VisitSevierville.com. UT men’s basketball vs. Alabama, 1 p.m., Issues. 5 p.m. meets in the Main Assembly THURSDAY, JAN. 8 Thompson-Boling Arena, 1600 Phillip Fulmer Room in the City County Building. Informa- FRIDAY, JAN. 2 Knoxville City Tree Board Way. Information: utsports.com tion: cityofknoxville.org UT women’s basketball City Tree Board meeting. 8:30 a.m. Ijams Lady Vols host Missouri, 9 p.m. Thomp- Nature Center. Information: cityofknoxville. MONDAY, JAN. 12 THURSDAY, JAN. 15 son-Boling Arena, 1600 Phillip Fulmer Way. org Oak Ridge City Council March of Dimes Breakfast Information: utsports.com Regular meeting of Oak Ridge City Council. The March of Dimes 9th annual Commer- UT women’s basketball 7 p.m. Municipal Building Courtroom. Infor- cial Real Estate Industry awards breakfast MONDAY, JAN. 5 Lady Vols host Texas A&M, 7 p.m. Thomp- mation: oakridgetn.gov fundraiser. Cherokee Country Club, 5138 Public Property son-Boling Arena, 1600 Phillip Fulmer Way. Lyons View Pike. Information: eventcheck- Knoxville’s Public Property Naming Com- Information: utsports.com TUESDAY, JAN. 13 knox.com mittee meeting. 5:30 p.m. Main Assembly Knoxville Chamber Event FRIDAY, JAN. 9 Room of the City-County Building. Informa- New Member Orientation. 4-6 p.m. Free. Planning Submit Community Calendar items to tion: cityofknoxville.org. Knoxville Chamber, 17 Market Square, Suite Knoxville Metropolitan Planning Commission [email protected]. JANUARY 2 – 8, 2015 www.TNLedger.com/Knoxville Page 7

the University of Tennes- He has received numerous awards for his newsmakers [email protected] see, she has owned her work, including the EPA Bronze Medal, the own rm, Perspective EPA Red Heinen National Wetlands Award, ceived the Best Master’s Paper Award. Architecture, and has the U.S. Fish and Wildlife Service Regional UT’s Parker takes role Associate Professor Joshua Inwood has worked at Michael Brady Director’s Conservation Award, the Southern with Science Foundation been elected vice president of the organiza- Architecture and Tetra Group of State Foresters’ George Dissmeyer tion. His two-year term will begin in January. Tech in Oak Ridge. Outstanding Service Award for Forest Water Lynne Parker has In 2007 she was Resources, and the EPA Gold Medal for Dis- been appointed division chosen as one of tinguished Career Service. director at the National BWSC hires Bowe the Greater Knoxville He will be lling the unexpired term of Tra- Science Foundation, a as project manager England Business Journal’s “40 vis Davis. His term will expire on December job she will be able to Under 40.” 31, 2017. perform while continuing Barge Waggoner Sumner & Cannon an- her work as a profes- nounces a new hire for its Knoxville of ce. Brian Nicholson, AIA LEED AP, is also a sor at the University of Rebecca Bowe will join the rm as a Project Manager. He joins the rm after work- Hall of Fame to induct Tennessee. project manager, according to the Barge ing at both Barber McMurry and Blankenship & Partners. He is a Farragut native and a four in its  rst class According to an Waggoner website. 1994 graduate of the University of Tennes- The University of Tennessee’s College of Parker announcement from the Most recently, Bowe was a senior civil see. Engineering’s Department of Mechanical, university, she will serve engineer with Gray Construction in Lexington, Kimberlee Firkins, a UT graduate, is now a Aerospace, and Biomedical Engineering will as the division director of Information and Kentucky. She served as a project manag- Job Captain. soon open its rst Hall of Fame. Intelligent Systems in the Computer and Infor- er at McGill Associates in Asheville, North mation Science and Engineering Directorate Carolina. Katie Shulz is an Interior Design Intern. The college dates to 1847 when it was East Tennessee University. The honorees at the Foundation. Bowe earned both a Master of Science and are: Parker will shuttle back to Knoxville once a Bachelor of Science in Civil Engineering from Richards appointed to week to continue research. the University of Kentucky. She is a certi ed William Snyder, for- Transportation Authority mer UT Chancellor who Parker has played a key role in the Center in stormwater quality and is a Registered Outdoorsman and earned his bachelor’s for Intelligent Systems and Machine Learning Professional Engineer, serving 13 states. cyclist Jim Richards has degree in mechanical at UT and in the development of “smart” She is formerly associated with the Junior been appointed to the engineering at UT in robotics. She will also work with the White League of Lexington and the American Knoxville Transportation 1954. He returned to House Of ce of Science and Technology Society of Civil Engineers (ASCE) Bluegrass Authority. his alma mater in 1970, Policy. Branch, recently serving as Secretary. Richards is General serving as dean of the Manager of Mast Gen- college from 1983 to Attorney Blakney assumes Cheek named to eral Store in Downtown 1992 before becoming Bar Association presidency Mechanical & Gas Board Knoxville and is a grad- Snyder chancellor, a role he uate of the University of held until 2001. Knoxville attorney Rickey Cheek has been appointed to Richards Tennessee, according Henry Harts eld, UT’s Tasha C. Blakney is the Knoxville’s Mechanical and Gas Board of to the City of Knoxville rst astronaut, earned 2015 president of the Adjustment and Appeals. website. his master’s degree with Board of Governors of He is the owner of Metro Piping & Gas Ser- a focus on engineering the Knoxville Bar Asso- Richards has worked to promote Knoxville vice with over 35 years of experience in the science at UT’s Space ciation. as a bike-friendly city and actively volunteers profession, according to the City of Knoxville to promote Smart Trips through the bicycling Institute in 1971. He Newly elected of cers website. ambassador program, and helped estab- won NASA Distinguished are: Cheek has a U.S. patent on a gas safety lish an employee transit program at Mast Service Medals in 1982 Wayne R. Kramer, device, and he performs research and devel- General. and 1988, NASA Space president-elect Flight Medals in 1982, opment for new products for the industry.He He supports using alternative transporta- Hartsfi eld Blakney Amanda M. Busby, 84, and 85, the NASA currently holds a state mechanical license tion to help improve air quality, as well as treasurer Exceptional Service Medal in 1988, and was state residential building contractor license. other environmental and health concerns in inducted into the U.S. Astronaut Hall of Fame Keith Burroughs, secretary. For Knoxville, he holds a gas license, plumb- East Tennessee. The bar association membership also ing license, and mechanical license. His term in 2006 with more than 480 hours spent in runs through June 30, 2019. The Knoxville Transportation Authority space. elected Lisa Hall, Dana C. Holloway, the serves as the policy-making board for all Richard Rosenberg, who served at Oak Hon. Deborah C. Stevens and John E. Win- for-hire intra-city passenger transportation Ridge National Laboratory, Westinghouse, ters to the four open positions on the board Bourgoyne selected services. of governors. and General Atomic in the course of his ca- His term will expire on December 31, 2018. Also, Sarah Y. Sheppeard was presented Manager of Year reer, was also a member of several mechani- with the highest award of the association, Jason Bourgoyne is cal engineering societies. the prestigious Governor’s Award. U.S. the 2014 Outstanding UT honors police Rinehart Bright graduated from UT in 1936 District Court Judge Leon Jordan earned the Property Manager of the o cers of the year in mechanical engineering, having worked Judicial Excellence Award for 2014, and Troy Year selected by the his way through college by shoveling coal on Weston, Eldridge & Blakney, P.C., was recog- Building Owners and The University of Tennessee Police Depart- campus. An interest in automobiles led him nized with the Barristers’ Presidents’ Award. Managers Association of ment has announced its annual awards for to a job with Chrysler Corporation, where he Greater Knoxville. distinguished service. Blakney, a graduate of the University of had risen to the position of vice president Tennessee College of Law, is a partner at Bourgoyne, director The honorees for before retiring in 1977. the law rm of Eldridge & Blakney, P.C., a of event services and op- 2014, according to the Knoxville rm she co-founded in 2003. She erations for the Knoxville University’s website, ORNL taps Langan to focuses on matters of general civil litigation, Bourgoyne Convention Center, was are: with an emphasis on representation of indi- honored at the associa- Mike Richardson, head Neutron Sciences viduals in personal injury cases, as well as tion’s annual holiday event, according to the supervisor of the year Paul Langan has been named Associate criminal defense. website. Jaron Patteron, of cer Lab Director for Neutron Sciences for the Bourgoyne has served as operations direc- of the year Department of Energy’s Horn recognized with tor for the Knoxville Convention Center since Audrey Burross, com- Oak Ridge National 2001 when the facility was still a construc- munity service award Laboratory, Patteron achievement award tion site, and he implemented an extensive Jillian Paciello, Non- Langan is a senior sci- Sally Horn, University green building upgrades program, including commissioned employee of the year entist and distinguished of Tennessee profes- an energy-ef ciency program in partnership research staff member sor, has won a Lifetime with the City of Knoxville’s energy contractor, Wetlands scientist joins at ORNL, according to Achievement award from Ameresco. the laboratory’s website, the Southeastern divi- Also, Bryan Goldberg, general manager of Knoxville’s Tree Board and is a native of Edin- sion of the Association BELFOR, was honored as the Outstanding Certi ed Wetlands Scientist and Certi ed burgh, Scotland. of American Geographer. Vendor of the Year. BELFOR provides emer- Wildlife Biologist Thomas Welborn has been Langan Langan earned his The Lifetime Achieve- gency restoration and reconstruction services appointed to the City of Knoxville Tree Board. bachelor’s degree in ment honor is the orga- to Knoxville and surrounding areas. According to the city’s website, he has physics from Edinburgh University and his nization’s highest faculty extensive experience in the bottomland hard- doctorate from the physics department of Horn award, according to the Studio Four Design wood systems of the Lower Mississippi Valley England’s Keele University. association’s website. hires four sta ers and forest management of wetland systems. Langan’s appointment was to begin Janu- Other honorees from UTK include: A retiree, Welborn was employed by the ary 1. Professor Henri Grissino-Mayer received Knoxville’s Studio Four Design, Inc., has U.S. Environmental Protection Agency (EPA) the Research Honors Award. recently added four staff members. from 1985 to 2010. During his time there, he Readers are invited to submit newsmaker items to Graduate student Maegen Rochner re- Jacene England, AIA, joins as a Project served as Chief of the Wetlands, Coastal and Manager. A Knoxville native and graduate of Oceans Branch. [email protected]. Page 8 www.TNLedger.com/Knoxville JANUARY 2 – 8, 2015 UT’s Baulkman on Tyndall: ‘He’s a cool dude’ By Dave Link | Ledger Columnist person.” Devon Baulkman won’t forget his  rst Baulkman says Tyndall has the same impression of University of Tennessee persona now as when they  rst met. basketball coach Donnie Tyndall a couple “He’s been the same, but he also gets on of years ago. me to make me push myself to get better,” Baulkman was playing for Gulf Coast Baulkman says. State College in Panama City, Fla. at Tyndall must have had the same e ect the time. Tyndall was the head coach at on other recruits. Due to Martin’s signee Southern Miss. defections from UT and other player It was a recruiting visit, and Tyndall departures, Tyndall needed to reload his was a big hit with Baulkman. roster shortly after his hiring, and did so “He was just laid back, calm,” by signing eight players in just more than Baulkman recalls. “He’s a cool dude, and a month. I just liked that swagger about him.” Willie Carmichael III, a 6-8 freshman at demeanor was one reason from Wekiva High School in Apopka, Baulkman signed with Southern Miss and Fla., was an early signee with Southern Tyndall during the early signing period in Miss in February of 2013 and, like November of 2013. Baulkman, was granted his release and It was Tyndall’s second season as the followed Tyndall to UT. Golden Eagles’ coach, and turned out Tyndall signed two other freshmen: to be his last. He was announced as 6-3 guard Detrick Mostella of Decatur, Ala., via Notre Dame Prep in Fitchburg, Donald Page/Tennessee Athletics UT’s coach on April 22, 2014, replacing Tennessee guard Devon Baulkman, who signed with Coach Donnie Tyndall while he was at Southern Cuonzo Martin, who left for the head Mass., and 6-10 forward Tariq Owens Miss., then foillowed him to Knoxville, says he liked the coach’s demeanor from the beginning. coach’s job at the University of California. of Odenton, Md., and Mt. Zion Prep in bid to transfer and play for the Vols – he’s and he’s a guy that I thought, once he When Tyndall left Southern Miss for Baltimore. now playing for Long Beach State – and got his rhythm and got himself in game Knoxville, Baulkman was ready to follow. Two signees are  fth-year senior McGhee su ered a foot fracture Dec. 17 shape, because he missed about a week He asked for and was granted a release, transfers: 6-1 guard Ian Chiles of at North Carolina State, had surgery two and a half of practice in November, that then signed with the Vols in May. Louisville, Ky., and IUPUI, and 6-9 days later and is expected to miss at least he could do that. “Me and coach Tyndall have a great forward Eric McKnight of Raleigh, N.C., six weeks from that date. “I always say with junior college guys, relationship,” Baulkman said after the and Florida Gulf Coast University. Tyndall added Memphis transfer it takes about a semester. Usually these Vols’ Dec. 22 victory over Mercer. “I was Also in Tyndall’s  rst signing class are Dominic Woodson in August, but the guys start turning the corner in about committed to Southern Miss with him, 6-4 junior guard Kevin Punter of the 6-10, 280-pound sophomore opted to January. Kevin Punter’s probably an and I just knew he was going to help me Bronx and State Fair (Mo.) Community leave UT’s program in mid-December. exception because he’s such a professional reach my potential. He’s a wonderful College, and 6-8 freshman forward Jabari at leaves the seven newcomers, along at everything he does, but D.B’s turning coach. I just knew I could learn from McGhee of Albany, Ga., and Hargrave with four scholarship players from UT’s the corner and that’s obviously going to him and better myself as a player and as a (Va.) Military. e SEC, however, denied McKnight’s 2013-14 roster – Josh Richardson, Robert help our team.” Hubbs III, Armani Moore, and Derek Richardson, the Vols’ top returning Reese. player and a member of the 2014 SEC Tyndall likes what he’s seen as the Vols All-Defensive team, won’t be surprised head into the SEC schedule starting Jan. 7 with any numbers Baulkman puts up. at Mississippi State. “Devin’s always been a guy we knew “We have a resilient bunch that has could score in bunches,” Richardson says. been through a lot of adversity,” Tyndall “In pickup (games) before the season even says. “I think our team has shown started, he would go on stretches where he throughout the year, thus far, that there would score almost every point in a game. is no quit in them. When things don’t go In junior college, everybody knew he Online Auction of Housing Furniture and Appliances your way, that is a part of basketball, and could score. He had like 48 points in one you keep your head up. game, so it’s not surprising.” LIVE Online Simulcast Auction “For the inexperienced team that Baulkman scored 48 in an 87-85 Prebidding OPEN NOW we have been, that is a tribute to them victory over Northwest Florida State last CONTENTS OF 15 HOUSES. Items located in multiple locations. because a lot of times, with young and season when he averaged 15.5 points, 4.9 Items include: inexperienced guys, when things don’t go rebounds, 2.4 assists, and 1.8 steals. Bedroom Sets • Washers • Dryers • Range top Ovens their way, they hang their head and pack As a senior at Bainbridge (Ga.) High, Workout equipment Brands include Kenmore, Frigidaire, GE, Maytag etc. it in. Our team hasn’t done that the entire Baulkman led the team to the Class 4A year.” state tournament while averaging 20.8 Simulcast Auction Baulkman sure didn’t let an early points and 7.8 rebounds. begins 1/7/15 at 10:00 a.m. EST shoulder injury keep him down. He missed Now, Baulkman is making the the  rst two games of the season, and by transition from junior college to Division December, was showing glimpses of what I basketball. Tyndall saw from him in junior college. “It’s just a process,” he says. “I’ve just After posting back-to-back 10-point got to keep practicing and keep playing games against North Carolina State and games and learning new stu , and just Real Estate For Sale Tennessee Tech (Dec. 19), Baulkman keep coming in with a positive mindset.” had a breakout game against Mercer with With starting lineups and playing 30,000+ SF Commercial 22 points, six rebounds, and two steals. minutes in  ux, such a mindset might be Multi-tenant Land: He was 7 of 9 from the  eld, 4 of 6 from trouble for some teams. Retail Strip +/– 2.85 3-point range, and made all four of his Not for the Vols, says Baulkman. Center Acres foul shots against Mercer. “I think everybody just comes in with “I certainly don’t expect (Baulkman) the same mindset, and just practices 2515 Willow Point Way 5321 Millertown Pike to get 22 every night, but I thought he’d each day and competes with each other,” Knoxville, TN 37931 Knoxville, TN 37924 be a guy that could average eight, nine or Baulkman adds. On 6 +/– acres. Hard corner lots, downtown high tra c areas. Selling on behalf of the FDIC Selling on behalf of the FDIC 10 a game for us and he certainly is a guy “Nobody’s stressed about who’s starting that’s capable of making threes,” Tyndall and who’s not, just as long as you get Price: $1,140,000.00 Price: $1,800,000.00 explains. in there and do your role and play your www.SoldonCompass.com “Our team hasn’t shot the ball position.” collectively great from behind the line, (615) 757-3339 (NASHVILLE) (423)702-6180 (CHATTANOOGA) JANUARY 2 – 8, 2015 www.TNLedger.com/Knoxville Page 9 Butler win helps fans forget about NCAA investigation >> tyndall from p2 free-throw line. “How much better would Tennessee be if Octeus had gotten in school and Josh Richardson could have focused on playing the wing instead of the point?’’ Where should UT fans expect Q: this team to be in the SEC, and possibly the postseason? “I think Tennessee will be A: competitive in the SEC, mainly because the league isn’t that strong top to bottom. After Kentucky and maybe Florida, perhaps Arkansas and LSU, the teams seem about evenly matched, except for Mississippi State at the bottom end. “I think if Richardson continues to improve at the point, if Devon Baulkman has become the consistent double- gure scoring threat he appears to be, if Detrick Mostella continues to improve and utilize his great natural gifts as a scorer and the Vols’ two young post players, Willie Carmichael and Tariq Owens, continue to gain strength and con dence, Tennessee will win a lot more games than the pundits believed it could. “Not sure about postseason play, but if the Vols can get 16 victories, against a fairly di cult schedule, I don’t see why the NIT wouldn’t be interested. Tennessee should have a decent RPI [Rating Percentage Index] if it Andrew Bruckse/Tennessee Athletics can manage to win seven or eight SEC Tennessee Coach Donnie Tyndall was able to rebuild a depleted roster after taking the job and has his Vols playing well during the pre-conference portion of games.’’ the schedule with eye-opening wins against Butler and Kansas State. Tyndall shu es players in press. Again, he has multiple press forced about Tyndall? It’s important to Q: and out all the time. Does that packages that he uses. Is he necessarily remember that none of what has been work? looking for steals from the press? No, but alleged to happen occurred at Tennessee.’’ he’ll take them if he can get them. e “ e system demands that, Do you think Tyndall is a long- real point of the press is to take 10-15 What makes the zone Q: A: because it’s high energy all term guy for UT fans hoping seconds o the opponent’s shot clock, the time. e plan, as Tyndall has said all the more effective is for a good run? which then allows for even less time to so often, is to “take the legs” of the “ “If he can get past this NCAA solve that ever-changing zone. Tyndall’s constant full- opponents, to wear them down in the A: e zone has proven vulnerable to a issue, I believe Tyndall can build second half. court press. … The real 3-point shooter who happens to get hot a successful program at Tennessee. e “If you notice, that’s where Tennessee on a given night, but then Tyndall told point of the press is to key, as always, is recruiting. His system does its damage, holding opponents to everyone that could happen.’’ doesn’t need a bunch of  ve-star recruits extended scoring droughts. at’s been take 10-15 seconds off to be successful, but he does need to How do you think fans are evident even in losses; the Vols were down recruit a talented point guard and some Q: handling Tyndall with the the opponent’s shot 17 points at N.C. State in the second half big men, plus a couple of knock-down looming NCAA questions? and cut the de cit to  ve. clock, which then allows shooters. “ ese guys don’t quit. An overlooked “ ere was a huge letdown for even less time to solve “ e reason: It’s a given Tyndall’s fact by some is that Tyndall has legitimate A: when the NCAA allegations teams will play defense. But the Vols depth – 10 players at his disposal. He’s were revealed, as though the fans were that ever-changing zone. struggle to score. A good point guard, a not been afraid to use that depth as a collectively saying, “here we go again,” Chris Dortch big man who can score in the paint and a weapon.’’ after the disastrous end to the Bruce Pearl 40-percent 3 shooter could get those easy Describe his matchup zone, era. At  rst, I think fans were maybe slow already been diminished, because one of baskets that will make Tennessee a better Q: and how/why is it so rare you to embrace Donnie, not knowing what Tyndall’s most trusted assistants, and a team. see it played an entire game? his future will be. good young coach, Adam Howard, was “Defense has been a calling card so “But, I was at the Butler game, and forced to leave for “personal reasons.” far, but both facets of the game need to “Well, it’s rare because the SEC, after Tyndall coaxed, prodded and pushed “We all know that’s a load of garbage. contribute equally to produce a 25-win, A: with a few exceptions, has been his rag-tag bunch to a victory over a Howard was let go. So somebody NCAA tournament type of season. If a man-to-man league. Some coaches nationally ranked team, fans began to somewhere thinks something serious went either an o ense or a defense is forced to have mixed in a little zone trying to keep realize that Tyndall could coach, and that down at Southern Miss. carry a team all year, there are bound to opponents o balance, but man is the his players, if not overly talented, were at “Perhaps Howard’s ouster was a pre- be breakdowns. defense of choice. least playing hard. emptive strike to help save Tyndall’s job. “Balanced teams are the ones that win “Tyndall’s zone is sort of a hybrid “At times during the Cuonzo Martin Maybe he’ll be suspended. Other coaches big, that can go on the road and win that’s always morphing, from 2-3, to regime, fans questioned whether he was with bigger names and at more successful consistently, and can make deep runs in 1-3-1 and back again. Sometimes, it pushing his players to play hard all the basketball schools have been suspended, March. even falls into a man to man. e trick time. at’s not the case anymore.’’ not  red. “Wichita State’s recent run of success is to keep opponents from doing damage “But precedent has been set at proves that you don’t have to have  ve- close to the rim. It’s hard to prepare for What about the NCAA Tennessee, where Pearl was  red even star kids to be successful. You just need and hard for an opposing point guard to Q: investigation? Is it serious? though the school initially said it would to guard, board, be tough, and be equally tell what the Vols are in so he can run “I’ve heard mixed reports about back him despite the fact he was handed a adept at both ends of the  oor.’’ o ense. A: what the NCAA knows and three-year show cause penalty. “What makes the zone all the more what might happen. Whatever “If the stu at Southern Miss were Dave Link is a freelance journalist living e ective is Tyndall’s constant full-court goes down in the future, the program has serious, would Tennessee’s hand be in Knoxville. Page 10 JANUARY 2 - 8, 2015 www.TNLedger.com/Knoxville Public Notices KNOXVILLE EDITION DAVIDSON . WILLIAMSON . SUMNER . CHEATHAM . RUTHERFORD . WILSON . ROBERTSON . MAURY . DICKSON . MONTGOMERY . KNOX . ANDERSON . BLOUNT . SEVIER | FORMERLY WESTVIEW SINCE 1978

Foreclosure Notices County Courthouse, Clinton, Clinton, Tennes- NOTE: The legal description has been sale set forth above. W&A No. 251503 Associates, P.L.L.C., as Successor Trustee, by Anderson County see, offer for sale certain property hereinafter revised in accordance with an Attorney’s DATED December 15, 2014 virtue of the power, duty, and authority vested in described to the highest bidder FOR certified Affidavit recorded November 20, 2014 at WILSON & ASSOCIATES, P.L.L.C., and imposed upon said Successor Trustee, by funds paid at the conclusion of the sale, or Book 1610, Page 214. Successor Trustee ORNL Federal Credit Union, will, on January 15, NOTICE OF TRUSTEE’S SALE credit bid from a bank or other lending entity ALSO KNOWN AS: 317 Chestnut Avenue, FOR SALE INFORMATION, VISIT WWW. 2015 on or about 10:30 AM, at the Anderson WHEREAS, default has occurred in the pre-approved by the successor trustee. The Lake City, TN 37769-2412 MYFIR.COM and WWW.REALTYTRAC.COM County Courthouse, Clinton, Tennessee, offer performance of the covenants, terms, and sale is free from all exemptions, which are This sale is subject to all matters shown Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10155 for sale certain property hereinafter described conditions of a Deed of Trust Note dated expressly waived in the Deed of Trust, said on any applicable recorded plat; any unpaid to the highest bidder FOR certified funds paid December 9, 2005, and the Deed of Trust property being real estate situated in Anderson taxes; any restrictive covenants, easements, NOTICE OF TRUSTEE’S SALE at the conclusion of the sale, or credit bid from of even date securing the same, recorded County, Tennessee, and being more particularly or setback lines that may be applicable; any WHEREAS, default has occurred in the a bank or other lending entity pre-approved by December 20, 2005, in Book No. 1411, at described as follows: statutory rights of redemption of any govern- performance of the covenants, terms, and the successor trustee. The sale is free from all Page 2131, in Office of the Register of Deeds All that certain parcel of land situate in mental agency, state or federal; any prior liens conditions of a Deed of Trust Note dated March exemptions, which are expressly waived in the for Anderson County, Tennessee, executed by Chestnut Street, First Civil District, Town or encumbrances as well as any priority created 22, 2010, and the Deed of Trust of even date Deed of Trust, said property being real estate Scott L. Shaver and Teena Shaver, conveying of Lake City, County of Anderson and State by a fixture filing; and to any matter that an ac- securing the same, recorded March 24, 2010, situated in Anderson County, Tennessee, and certain property therein described to Arnold M. of Tennessee bounded and described as curate survey of the premises might disclose. in Book No. 1519, at Page 908, in Office of being more particularly described as follows: Weiss as Trustee for Washington Mutual Bank, follows: In addition, the following parties may claim an the Register of Deeds for Anderson County, Situated in the Second Civil District of FA; and the undersigned, Wilson & Associates, Beginning on a stake the Southeastern interest in the above-referenced property: Tennessee, executed by Joyce H. Trowbridge Anderson County, Tennessee, within the P.L.L.C., having been appointed Successor corner of a lot owned by Jessie Wilson Shaver, Scott L. and Edward P. Trowridge, Sr., conveying corporate limits of the City of Oak Ridge, Trustee by Wells Fargo Bank, N.A.. and running South 29 degrees 45 minutes Shaver, Teena certain property therein described to Thomas Tennessee, and being more particularly NOW, THEREFORE, notice is hereby given East 58 feet to a stake; thence South 60 University Health System, Inc. H. Dickenson as Trustee for ORNL Federal described as follows: that the entire indebtedness has been declared degrees West 191 feet to a stake in the Abercrombie Radiological Credit Union; and the undersigned, Wilson & Being designated as Lot 11, Block “K-8”, due and payable; and that an agent of Wilson & Old Randle Adkins line; thence North 12 The sale held pursuant to this Notice may Associates, P.L.L.C., having been appointed New Block 21BW. GROVE PARK COMMONS Associates, P.L.L.C., as Successor Trustee, by degrees 20 minutes West 60 1/2 feet to be rescinded at the Successor Trustee’s option Successor Trustee by ORNL Federal Credit SUBDIVISION, Phase 1A, as shown on virtue of the power, duty, and authority vested a stake the Southwest corner of the said at any time. The right is reserved to adjourn Union. the plat of same of record in Plat Cabinet in and imposed upon said Successor Trustee, Wilson’s; thence with the line of the Wilson the day of the sale to another day, time, and NOW, THEREFORE, notice is hereby given 8, Slide 36-A, in the Register’s Office for by Wells Fargo Bank, N.A., will, on January 8, lot North 60 degrees East 174 feet to the place certain without further publication, upon that the entire indebtedness has been declared Anderson County, Tennessee, to which plat 2015 on or about 10:30 AM, at the Anderson beginning. announcement at the time and place for the due and payable; and that an agent of Wilson & specific reference is hereby made for a more Want access to Foreclosure Properties in Middle TN?

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ABOUT PUBLIC NOTICES Real Estate & Development ONLINE HOW TO contact US www.TNLedger.com Foreclosures – Tenn. requires foreclosure notices to run 3 times. Foreclosure sales are conducted by a For information about placing your ad in Trustee, usually an officer or employee of the lender. Often, the Trustee is replaced with a Substitute Trustee or Go to www.TNLedger.com for more than 15 million The Ledger, please contact Don Fancher Successor Trustee – an attorney or other party who is hired to conduct the foreclosure sale. public records, including: by phone at 901-528-5283 or by email at Bid Notices & Request for Proposals – Tenn. requires county bid notices to run at least once 5 or more - Civil Lawsuits - Bankruptcies [email protected]. days prior to the bid deadline. Notice to Creditors – Tenn. requires 2 consecutive weekly notices announcing - Circuit Lawsuits - Tax Liens the estate’s representative to run within 30 days of the appointment of an executor. Self-Storage Lien Sales – Tenn. requires notices of self-storage facility sales to run 1 time. - Probate Filings - Corporate Charters Other – Other public notices run according to state or local requirements. - Federal Lawsuits - UCC Filings JANUARY 2 - 8, 2015 Public Notices Page 11 www.TNLedger.com/Knoxville

particular description of said lot. Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10162 Situated in District No. Eleven (11) of IN POSSESSION. IN POSSESSION. THE ABOVE DESCRIPTION IS THE SAME AS Blount County, Tennessee, and being more All right of equity of redemption, statutory All right of equity of redemption, statutory THE PRIOR DEED OF RECORD. NO BOUND- SUBSTITUTE TRUSTEE’S SALE particularly described as follows: and otherwise, and homestead are expressly and otherwise, and homestead are expressly ARY SURVEY HAVING BEEN MADE AT THE Sale at public auction will be on February Beginning at a stake on the line of J. Wade waived in said Deed of Trust, and the title is waived in said Deed of Trust, and the title is TIME OF THIS CONVEYANCE. 3, 2015 at 12:00PM local time, at the front Russell, said stake being North 14.25 de- believed to be good, but the undersigned will believed to be good, but the undersigned will ALSO KNOWN AS: 116 Groves Park Boule- door, Anderson County Courthouse, 100 North grees West 228 feet from an iron pin at the sell and convey only as Substitute Trustee. sell and convey only as Substitute Trustee. vard East, Oak Ridge, TN 37830 Main Street, Clinton, Tennessee, pursuant edge of Self Hollow Road; thence from said If you purchase a property at the foreclo- If you purchase a property at the foreclo- This sale is subject to all matters shown to Deed of Trust executed by Virgil C Cecil, a beginning point North 14.25 degrees West sure sale, the entire purchase price is due and sure sale, the entire purchase price is due and on any applicable recorded plat; any unpaid single man as his sole and separate property, 250 feet to a stake near a ditch; thence payable at the conclusion of the auction in the payable at the conclusion of the auction in the taxes; any restrictive covenants, easements, to Residential Title & Escrow, LLC, Trustee, on North 66 degrees East 91 feet to a stake; form of a certified/bank check made payable form of a certified/bank check made payable or setback lines that may be applicable; any September 28, 2012 at Book 1568, Page 500, thence North 37 degrees East 30 feet to to or endorsed to Shapiro & Kirsch, LLP. No to or endorsed to Shapiro & Kirsch, LLP. No statutory rights of redemption of any govern- Instrument No. 12009057; all of record in the a stake; thence South 14.25 degrees East personal checks will be accepted. To this personal checks will be accepted. To this mental agency, state or federal; any prior liens Anderson County Register’s Office. 279 feet to a stake; thence South 74.25 end, you must bring sufficient funds to outbid end, you must bring sufficient funds to outbid or encumbrances as well as any priority created Party entitled to enforce security interest: degrees West approximately 115 feet to the lender and any other bidders. Insufficient the lender and any other bidders. Insufficient by a fixture filing; and to any matter that an ac- JPMorgan Chase Bank, National Association, the beginning. funds will not be accepted. Amounts received funds will not be accepted. Amounts received curate survey of the premises might disclose. its successors and assigns There is also conveyed a 12 foot right-of- in excess of the winning bid will be refunded in excess of the winning bid will be refunded In addition, the following parties may claim an The following real estate located in An- way for ingress and egress to the foregoing to the successful purchaser at the time the to the successful purchaser at the time the interest in the above-referenced property: derson County, Tennessee, will be sold to the described property which said right-of-way is foreclosure deed is delivered. foreclosure deed is delivered. Trowbridge, Joyce H. highest call bidder subject to all unpaid taxes, more particularly described as follows: This property is being sold with the express This property is being sold with the express Trowridge, Sr., Edward P. prior liens and encumbrances of record: Beginning at the edge of Self Hollow Road, reservation that the sale is subject to confirma- reservation that the sale is subject to confirma- Tenants of 116 Groves park boule- Described property located in Anderson corner to J. Wade Russell; thence North tion by the lender or trustee. This sale may be tion by the lender or trustee. This sale may be vard east County, Tennessee, and being more par- 14.25 degrees West 228 feet; thence rescinded at any time. rescinded at any time. The sale held pursuant to this Notice may ticularly described in deed of record in Book North 74.25 degrees East 12 feet; thence Shapiro & Kirsch, LLP Substitute Trustee Shapiro & Kirsch, LLP Substitute Trustee be rescinded at the Successor Trustee’s option 1568, Page 500, Instrument No. 12009057; South 14.25 degrees East 228 feet to the Law Office of Shapiro & Kirsch, LLP Law Office of Shapiro & Kirsch, LLP at any time. The right is reserved to adjourn in the Register’s Office of Anderson County, edge of Self Hollow Road; thence South 555 Perkins Road Extended, Second 555 Perkins Road Extended, Second the day of the sale to another day, time, and Tennessee 74.25 degrees West 12 feet to the point Floor Floor place certain without further publication, upon Parcel Number: 082-057.00 of beginning. Memphis, TN 38117 Memphis, TN 38117 announcement at the time and place for the Current Owner(s) of Property: Virgil C. Cecil NOTE: The legal description has been revised Phone (901)767-5566 Phone (901)767-5566 sale set forth above. W&A No. 300040 Street Address: 260 Lee Road, Clinton, in accordance with an Attorney’s Affidavit Fax (901)761-5690 Fax (901)761-5690 DATED December 16, 2014 Tennessee 37716 recorded December 1, 2014 at Book 2403, www.kirschattorneys.com www.kirschattorneys.com WILSON & ASSOCIATES, P.L.L.C., Any property address provided is not part of Page 2017. File No. 13-053315 File No. 14-062721 Successor Trustee the legal description of the property sold herein ALSO KNOWN AS: 651 Self Hollow Road, Jan. 2, 9, 16, 2015 Fkk10169 Jan. 2, 9, 16, 2015 Fkk10170 FOR SALE INFORMATION, VISIT WWW. and in the event of any discrepancy, the legal Rockford, TN 37853 MYFIR.COM and WWW.REALTYTRAC.COM description referenced herein shall control. This sale is subject to all matters shown SUBSTITUTE TRUSTEE’S SALE Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10160 SALE IS SUBJECT TO TENANT(S) RIGHTS on any applicable recorded plat; any unpaid Sale at public auction will be on February IN POSSESSION. taxes; any restrictive covenants, easements, 3, 2015 at 10:00AM local time, at the main Foreclosure Notices SUBSTITUTE TRUSTEE’S SALE All right of equity of redemption, statutory or setback lines that may be applicable; any door, Blount County Courthouse, 930 E. Lamar Knox County Sale at public auction will be on February and otherwise, and homestead are expressly statutory rights of redemption of any govern- Alexander Pkwy, Maryville, Tennessee, pursu- 10, 2015 at 12:00PM local time, at the front waived in said Deed of Trust, and the title is mental agency, state or federal; any prior liens ant to Deed of Trust executed by Joseph L. door, Anderson County Courthouse, 100 North believed to be good, but the undersigned will or encumbrances as well as any priority created Montgomery and wife, Sherry M. Montgomery, SUBSTITUTE TRUSTEE’S SALE Main Street, Clinton, Tennessee, pursuant to sell and convey only as Substitute Trustee. by a fixture filing; and to any matter that an ac- to J. Phillip Jones, Trustee, on June 23, 2005 Default having been made in the payment of Deed of Trust executed by Mitchell E. Lowery, If you purchase a property at the foreclo- curate survey of the premises might disclose. at Record Book 2064, Page 1910; all of record the debts and obligations secured to be paid Jody O. Lowery, to Arnold M. Weiss, Trustee, sure sale, the entire purchase price is due and In addition, the following parties may claim an in the Blount County Register’s Office. by a certain Deed of Trust executed July 31, on November 10, 2005 at Book 1408, Page payable at the conclusion of the auction in the interest in the above-referenced property: Party entitled to enforce security inter- 2008 by Charles F. Ballard and wife, Angela 2210; re-recorded at Book 1411, Page 1303 form of a certified/bank check made payable Dixon, Winnell G. est: U.S. Bank, N.A., successor trustee to C. Ballard to Chicago Title Ins, as Trustee, as and modified at Book 1539, Page 2182; all to or endorsed to Shapiro & Kirsch, LLP. No Secretary of Housing & Urban De- LaSalle Bank National Association, on behalf same appears of record in the office of the Reg- of record in the Anderson County Register’s personal checks will be accepted. To this velopment of the holders of Bear Stearns Asset Backed ister of Knox County, Tennessee, in Register’s Office. end, you must bring sufficient funds to outbid The sale held pursuant to this Notice may Securities I Trust 2005-HE12, Asset-Backed Instrument No. 200808140010954, and the Party entitled to enforce security interest: the lender and any other bidders. Insufficient be rescinded at the Successor Trustee’s option Certificates Series 2005-HE12, its successors undersigned having been appointed Substitute Branch Banking and Trust Company, its suc- funds will not be accepted. Amounts received at any time. The right is reserved to adjourn and assigns Trustee by instrument recorded in the said cessors and assigns in excess of the winning bid will be refunded the day of the sale to another day, time, and The following real estate located in Blount Register’s Office, and the owner of the debt The following real estate located in An- to the successful purchaser at the time the place certain without further publication, upon County, Tennessee, will be sold to the highest secured, Matrix Financial Services Corporation, derson County, Tennessee, will be sold to the foreclosure deed is delivered. announcement at the time and place for the call bidder subject to all unpaid taxes, prior having requested the undersigned to advertise highest call bidder subject to all unpaid taxes, This property is being sold with the express sale set forth above. W&A No. 251514 liens and encumbrances of record: and sell the property described in and conveyed prior liens and encumbrances of record: reservation that the sale is subject to confirma- DATED December 15, 2014 SITUATED in District Number Seventeen (17) by said Deed of Trust, all of said indebtedness SITUATED in District Three (3) of Anderson tion by the lender or trustee. This sale may be WILSON & ASSOCIATES, P.L.L.C., of Blount County, Tennessee and being more having matured by default in the payment of County, Tennessee, and being known and rescinded at any time. Successor Trustee particularly described as follows: a part thereof, at the option of the owner, this designated as all of Lot 2, Section 1 of THE Shapiro & Kirsch, LLP Substitute Trustee FOR SALE INFORMATION, VISIT WWW. BEGINNING at a nail in the centerline of Old is to give notice that the undersigned will, on VILLAGE OF ARCADIAN SPRINGS, as shown Law Office of Shapiro & Kirsch, LLP MYFIR.COM and WWW.REALTYTRAC.COM Railroad Bed Road, said nail being located Tuesday, January 13, 2015 commencing at by map of same of record in Plat Cabinet 555 Perkins Road Extended, Second Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10156 approximately 0.51 mile east of the intersec- 12:00 PM, at the Northernmost Entrance from 6, Slide 147-D, in the Register’s Office for Floor tion of Old Railroad Bed Road and Calderwood Main Avenue near the Main Assembly Room Anderson County, Tennessee, to which map Memphis, TN 38117 SUBSTITUTE TRUSTEE’S SALE Highway (U.S. 129); on M-Level of the City and County Building, specific reference is hereby made for a more Phone (901)767-5566 Sale at public auction will be on Febru- Thence with the centerline of Old Railroad Knoxville, Knox County, Tennessee proceed particular description. Fax (901)761-5690 ary 3, 2015 at 10:00AM local time, at the Bed Road, North 51-59-34 East, 353.09 feet to sell at public outcry to the highest and Parcel Number: 032B-D-002.00 www.kirschattorneys.com main door, Blount County Courthouse, 930 to a nail in the centerline of Old Railroad Bed best bidder for cash, the following described Current Owner(s) of Property: Mitchell Lowery File No. 14-062842 E. Lamar Alexander Pkwy, Maryville, Tennes- Road and a corner to the remaining property property, to‑wit: and wife, Jody Lowery Jan. 2, 9, 16, 2015 Fkk10173 see, pursuant to Deed of Trust executed by of Montgomery; Situated in County of Knox, State of Ten- Other interested parties: The Village of Alvin M. Mercer and wife, Virginia L. Mercer, Thence with the remaining property of Mont- nessee. Arcadian Springs Property Owners Associa- to Marsha Fogle, Trustee, on September 25, gomery, South 38-00-26 East, 616.96 feet Situated in the District Number Six (6) of Knox tion, Inc. 2000 at Book 941, Page 447; corrected by to an iron pin, and the remaining property County, Tennessee and without the corporate Street Address: 106 Larkspur Drive, Ander- Foreclosure Notices Affidavit of Correction in Record Book 2402, of Montgomery; limits of the City of Knoxville, Tennessee, and sonville, Tennessee 37705 Blount County Page 1426; all of record in the Blount County Thence with the remaining property of Mont- being known and designated as Lot Number Any property address provided is not part of Register’s Office. gomery, South 51-59-34 West, 353.09 feet 10, Block “M”, of the Broadacres Subdivision, the legal description of the property sold herein Party entitled to enforce security interest: to an iron pin and the remaining property of Unit 6 as the same appears in map of record and in the event of any discrepancy, the legal NOTICE OF TRUSTEE’S SALE Kondaur Capital Corporation, as Separate Montgomery; in Map Book 48S, Page 26 in the Register’s description referenced herein shall control. WHEREAS, default has occurred in the Trustee of Matawin Ventures Trust, Series Thence with the remaining property of Office for Knox County, Tennessee. SALE IS SUBJECT TO TENANT(S) RIGHTS performance of the covenants, terms, and 2013-3, its successors and assigns Montgomery, North 38-00-26 West, 616.96 Tax Parcel ID: 056J-F-022 IN POSSESSION. conditions of a Deed of Trust Note dated The following real estate located in Blount feet to the point of BEGINNING, containing Property Address: 7756 Maida Vale Circle, All right of equity of redemption, statutory November 12, 2009, and the Deed of Trust County, Tennessee, will be sold to the highest 5.001 acres, more or less according to the Powell, TN. and otherwise, and homestead are expressly of even date securing the same, recorded call bidder subject to all unpaid taxes, prior survey of Howard W. McClanahan Jr. RLS All right and equity of redemption, home- waived in said Deed of Trust, and the title is November 19, 2009, in Book No. 2250, at liens and encumbrances of record: Number 1106. stead and dower waived in said Deed of believed to be good, but the undersigned will Page 715, in Office of the Register of Deeds All that certain property situated in Seymour The above legal description is the same Trust, and the title is believed to be good, but sell and convey only as Substitute Trustee. for Blount County, Tennessee, executed by in the County of Blount, and State of Ten- as the last Deed of record, no boundary the undersigned will sell and convey only as If you purchase a property at the foreclo- Winnell G. Dixon, conveying certain property nessee and being described in a deed dated survey having been made at the time of Substitute Trustee. sure sale, the entire purchase price is due and therein described to Arnold M. Weiss, Esq. 04/30/96 and recorded 05/02/96, among this conveyance. ARNOLD M. WEISS, Substitute Trustee payable at the conclusion of the auction in the as Trustee for Wells Fargo Bank, N.A.; and the the land records of the county and state This conveyance is made subject to all ap- Weiss Spicer Cash PLLC form of a certified/bank check made payable undersigned, Wilson & Associates, P.L.L.C., set forth above, and referenced as follows: plicable restrictions, easements, building set- 208 Adams Avenue to or endorsed to Shapiro & Kirsch, LLP. No having been appointed Successor Trustee by Book 585 Page 806 back lines and conditions of record In the Reg- Memphis, Tennessee 38103 personal checks will be accepted. To this Bank of America, N.A.. Situate in the Thirteenth Civil District of ister’s Office for Blount County, Tennessee. 901‑526‑8296 end, you must bring sufficient funds to outbid NOW, THEREFORE, notice is hereby given Blount County, Tennessee and being all of Lot BEING part of the same property conveyed to File # 1779-117488-FC the lender and any other bidders. Insufficient that the entire indebtedness has been declared 12 of Hagood Acres, a plat of which appears Joseph L. Montgomery and wife, Sherry M. Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10151 funds will not be accepted. Amounts received due and payable; and that an agent of Wilson & of record in Map File 1233-A, in the Register’s Montgomery by Warranty Deed dated July 17, in excess of the winning bid will be refunded Associates, P.L.L.C., as Successor Trustee, by Office for Blount County, Tennessee, to which 2000 and recorded July 17, 2000 of record in SUBSTITUTE TRUSTEE’S SALE to the successful purchaser at the time the virtue of the power, duty, and authority vested plat reference is hereby made for a more par- Book 693, Page 115 in the Register’s Office Default having been made in the payment of foreclosure deed is delivered. in and imposed upon said Successor Trustee, ticular description. “Being the same property for Blount County, Tennessee. the debts and obligations secured to be paid This property is being sold with the express by Bank of America, N.A., will, on February 19, conveyed to Alvin M. Mercer and wife Virginia Parcel Number: 146 019.00 by a certain Deed of Trust executed August reservation that the sale is subject to confirma- 2015 on or about 1:00 PM, at the Blount L. Mercer filed on 5/2/96 in Book 585, Page Current Owner(s) of Property: Joseph L. Mont- 9, 2006 by Richard D. Ripley and Shirley L. tion by the lender or trustee. This sale may be County Courthouse, Maryville, Maryville, 806, Blount County Records gomery and wife, Sherry M. Montgomery Ripley, Husband and Wife as Joint Tenants to rescinded at any time. Tennessee, offer for sale certain property Parcel Number: 012-031.24 Other interested parties: Christopher M. Arnold M. Weiss, as Trustee, as same appears Shapiro & Kirsch, LLP Substitute Trustee hereinafter described to the highest bidder Current Owner(s) of Property: Alvin M. Rosser, Surveyor, Joseph L. Everett Builders, of record in the office of the Register of Knox Law Office of Shapiro & Kirsch, LLP FOR certified funds paid at the conclusion of Mercer Inc, First State Bank, Maryville Branch County, Tennessee, in Register’s Instrument 555 Perkins Road Extended, Second the sale, or credit bid from a bank or other Street Address: 924 Brenna Drive, Seymour, Street Address: 7226 Old Railroad Bed Road, No. 200608180015470, and the undersigned Floor lending entity pre-approved by the successor Tennessee 37865 Maryville, Tennessee 37801 having been appointed Substitute Trustee by Memphis, TN 38117 trustee. The sale is free from all exemptions, Any property address provided is not part of Any property address provided is not part of instrument recorded in Register’s Instrument Phone (901)767-5566 which are expressly waived in the Deed of the legal description of the property sold herein the legal description of the property sold herein No. 201305290077827, in the said Register’s Fax (901)761-5690 Trust, said property being real estate situated and in the event of any discrepancy, the legal and in the event of any discrepancy, the legal Office, and the owner of the debt secured, www.kirschattorneys.com in Blount County, Tennessee, and being more description referenced herein shall control. description referenced herein shall control. Continued on page 12 File No. 13-052666 particularly described as follows: SALE IS SUBJECT TO TENANT(S) RIGHTS SALE IS SUBJECT TO TENANT(S) RIGHTS Page 12 Public Notices JANUARY 2 - 8, 2015 www.TNLedger.com/Knoxville

Foreclosure Notices Weiss Spicer Cash PLLC Street Address: 4900 Mandalay Bay, Knox- and Sandra J. Meredith and Deborah Diana taxes; any restrictive covenants, easements, 208 Adams Avenue ville, Tennessee 37921 Meredith, conveying certain property therein or setback lines that may be applicable; any Continued from page 11 Memphis, Tennessee 38103 Secondary Property Address: 4900 Mandalay described to Arnold M. Weiss, Esq. as Trustee statutory rights of redemption of any govern- 901‑526‑8296 Road, Knoxville, TN 37921 for Wells Fargo Bank, N.A.; and the under- mental agency, state or federal; any prior liens THE BANK OF NEW YORK MELLON FKA THE File # 1701-117735-FC Any property address provided is not part of signed, Wilson & Associates, P.L.L.C., having or encumbrances as well as any priority created BANK OF NEW YORK, AS TRUSTEE FOR THE Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10153 the legal description of the property sold herein been appointed Successor Trustee by Wells by a fixture filing; and to any matter that an ac- CERTIFICATEHOLDERS OF THE CWABS, and in the event of any discrepancy, the legal Fargo Bank, N.A.. curate survey of the premises might disclose. INC., ASSET-BACKED CERTIFICATES, SERIES SUBSTITUTE TRUSTEE’S SALE description referenced herein shall control. NOW, THEREFORE, notice is hereby given In addition, the following parties may claim an 2006-19, having requested the undersigned Sale at public auction will be on January SALE IS SUBJECT TO TENANT(S) RIGHTS that the entire indebtedness has been declared interest in the above-referenced property: to advertise and sell the property described 27, 2015 at 12:00PM local time, at the north IN POSSESSION. due and payable; and that an agent of Wilson & Meredith, Charles M. in and conveyed by said Deed of Trust, all of door, Knox County Courthouse, City-County All right of equity of redemption, statutory Associates, P.L.L.C., as Successor Trustee, by Meredith, Sandra J. said indebtedness having matured by default Building, 400 Main Street, Knoxville, Tennes- and otherwise, and homestead are expressly virtue of the power, duty, and authority vested Meredith, Deborah Diana in the payment of a part thereof, at the op- see, pursuant to Deed of Trust executed by waived in said Deed of Trust, and the title is in and imposed upon said Successor Trustee, Pioneer Credit Co. tion of the owner, this is to give notice that Penny Sullenberger aka Penny L. Sullenberger believed to be good, but the undersigned will by Wells Fargo Bank, N.A., will, on February Discover Bank the undersigned will, on Tuesday, January and Joseph Sullenberger aka Joseph P. Sul- sell and convey only as Substitute Trustee. 19, 2015 on or about 10:00 AM, at the Knox The Estate of Sandra J. Meredith 13, 2015 commencing at 12:00 PM, at the lenberger, wife and husband, by and through If you purchase a property at the foreclo- County Courthouse, Knoxville, Knoxville, The Unknown Heirs of Sandra J. Mer- Northernmost Entrance from Main Avenue his duly appointed attorney-in-fact, Penny L. Sul- sure sale, the entire purchase price is due and Tennessee, offer for sale certain property edith, if any near the Main Assembly Room on M-Level of lenberger, to Thomas H. Dickenson, Trustee, payable at the conclusion of the auction in the hereinafter described to the highest bidder The sale held pursuant to this Notice may the City and County Building, Knoxville, Knox on December 17, 2008 at Instrument No. form of a certified/bank check made payable FOR certified funds paid at the conclusion of be rescinded at the Successor Trustee’s option County, Tennessee proceed to sell at public 20812290040013; all of record in the Knox to or endorsed to Shapiro & Kirsch, LLP. No the sale, or credit bid from a bank or other at any time. The right is reserved to adjourn outcry to the highest and best bidder for cash, County Register’s Office. personal checks will be accepted. To this lending entity pre-approved by the successor the day of the sale to another day, time, and the following described property, to‑wit: Party entitled to enforce security interest: end, you must bring sufficient funds to outbid trustee. The sale is free from all exemptions, place certain without further publication, upon Situated in County of Knox, State of Ten- ORNL Federal Credit Union, its successors the lender and any other bidders. Insufficient which are expressly waived in the Deed of announcement at the time and place for the nessee. and assigns funds will not be accepted. Amounts received Trust, said property being real estate situated sale set forth above. W&A No. 300682 Situated in District 6 of Knox County, Tennes- The following real estate located in Knox in excess of the winning bid will be refunded in Knox County, Tennessee, and being more DATED December 15, 2014 see, and being known and designated as all of County, Tennessee, will be sold to the highest to the successful purchaser at the time the particularly described as follows: WILSON & ASSOCIATES, P.L.L.C., Lot 20, Block C, Crestwood Forest Subdivision call bidder subject to all unpaid taxes, prior foreclosure deed is delivered. SITUATED in District No. Eight (8) of Knox Successor Trustee as shown on the plat of record in Map Book liens and encumbrances of record: This property is being sold with the express County, Tennessee, without the corporate FOR SALE INFORMATION, VISIT WWW. 53-S, Page 21, in the Office of the Register of SITUATED in District No. Six (6) of Knox reservation that the sale is subject to confirma- limits of the City of Knoxville, Tennessee, MYFIR.COM and WWW.REALTYTRAC.COM Deeds for Knox County, Tennessee, to which County, Tennessee, without the corporate tion by the lender or trustee. This sale may be and being more particularly bounded and Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10159 plat specific reference is hereby made for a limits of the City of Knoxville, Tennessee, rescinded at any time. described as follows: more particular description, and as shown on being all of Lot 13-R, Block B, Unit 2-A of Shapiro & Kirsch, LLP Substitute Trustee BEGINNING on an iron pin in the southern NOTICE OF TRUSTEE’S SALE the survey of Trotter-McClellan Surveyors dated Black Oak Hills Subdivision, a map of which Law Office of Shapiro & Kirsch, LLP right-of-way line of Circle Road, corner to WHEREAS, default has occurred in the per- February 28, 1992. is of record in Plat Cabinet D, Slide 215C 555 Perkins Road Extended, Second Grisby; thence with Grisby’s line, South 42 formance of the covenants, terms, and condi- Tax Parcel ID: 105N-A-005 (formerly Map Book 41·S, Page 67 and Floor deg. 43 min. 40 sec. West, 481.80 feet to tions of a Deed of Trust Note dated December Property Address: 831 Crest Forest Road, Map Book 37S, Page 25), of the Register’s Memphis, TN 38117 an iron pin, corner to Randles; thence with 15, 2006, and the Deed of Trust of even date Knoxville, TN. Office for Knox County, Tennessee, to all Phone (901)767-5566 Randles’ line North 47 deg. 03 min. West, securing the same, recorded December 21, Other Interested Parties: Tennessee Farmers of which Map specific reference is hereby Fax (901)761-5690 125.04 feet to an iron pin, corner to Jones; 2006, Document No. 200612210051641 Mutual Insurance Company a/s/o Byron E. made for a more complete description of www.kirschattorneys.com thence with Jones’ line, North 42 deg. 43 in Office of the Register of Deeds for Knox Mahan; Portfolio Recovery Associates, LLC said property. File No. 14-058973 min. 40 sec. East, approximately 481.80 County, Tennessee, executed by Samuel N. assignee of Bank One Financial; The Bank of THERE IS EXCEPTED from this convey- Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10154 feet to an iron pin in the southern right-of-way Williams, conveying certain property therein New York Mellon FKA The Bank of New York, as ance that portion of land lying outside line of Circle Road; thence with said right of described to Arnold M. Weiss, Esq. as Trustee Trustee for the Certificateholders CWABS, INC, the curve formed by the intersection of NOTICE OF TRUSTEE’S SALE way line, South 48 deg. 25 min. East, 125 for Southeast Home Mortgage, LLC; and the Asset-Backed Certificates, Series 2006-19; Ridgedale Road and Mandalay Road, WHEREAS, default has occurred in the feet to the point of BEGINNING, containing undersigned, Wilson & Associates, P.L.L.C., Anesthesia Medical Alliance of E. TN the radius of said curve being 25 feet. performance of the covenants, terms, and 1.25 acres, more or less; according to the having been appointed Successor Trustee by All right and equity of redemption, home- Parcel Number: 079K A 002 conditions of a Deed of Trust Note dated June survey of Stanley E. Hinds, RLS #967, dated Wells Fargo Bank, N.A.. stead and dower waived in said Deed of Current Owner(s) of Property: Joseph P. Sul- 30, 2008, and the Deed of Trust of even date September 24, 1986. NOW, THEREFORE, notice is hereby given Trust, and the title is believed to be good, but lenberger and wife, Penny L. Sullenberger securing the same, recorded July 1, 2008, ALSO KNOWN AS: 5313 Circle Road, Cor- that the entire indebtedness has been declared the undersigned will sell and convey only as Other interested parties: Citizens Bank of Document No. 200807010000161, in Office ryton, TN 37721-4404 due and payable; and that an agent of Wilson & Substitute Trustee. Blount County c/o Garner & Conner, PLLC, of the Register of Deeds for Knox County, This sale is subject to all matters shown Associates, P.L.L.C., as Successor Trustee, by ARNOLD M. WEISS, Substitute Trustee ORNL Federal Credit Union Tennessee, executed by Charles M. Meredith on any applicable recorded plat; any unpaid virtue of the power, duty, and authority vested SAVE HUNDREDS on researching public records and legal document downloads.

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in and imposed upon said Successor Trustee, for a more particular description thereof, and County Register’s Office. FOR certified funds paid at the conclusion of to any and all applicable easements and by Wells Fargo Bank, N.A., will, on February according to survey of Batson, Himes and Party entitled to enforce security interest: the sale, or credit bid from a bank or other permissive use agreements of record at the 19, 2015 on or about 10:00 AM, at the City Norvell, dated 4-11-91. The above description Deutsche Bank National Trust Company, as lending entity pre-approved by the successor Register of Deeds Office for Knox County, County Building, North Side Entrance, 400 is the same as the previous deed of record, Indenture Trustee, for New Century Home trustee. The sale is free from all exemptions, Tennessee. Main Street, Knoxville, TN 37902, offer for no boundary survey having been made at the Equity Loan Trust 2005-3, its successors which are expressly waived in the Deed of ALSO KNOWN AS: 3605 Vienna Drive, sale certain property hereinafter described to time of this conveyance. and assigns Trust, said property being real estate situated Knoxville, TN 37912-4522 the highest bidder FOR certified funds paid at Tax Parcel ID: 080JE-002 The following real estate located in Knox in Knox County, Tennessee, and being more This sale is subject to all matters shown the conclusion of the sale, or credit bid from Property Address: 5107 Trace Manor Lane, County, Tennessee, will be sold to the highest particularly described as follows: on any applicable recorded plat; any unpaid a bank or other lending entity pre-approved by Knoxville, TN. call bidder subject to all unpaid taxes, prior Situated in District No. 8 of Knox County, taxes; any restrictive covenants, easements, the successor trustee. The sale is free from all Other Interested Party: Pleasant Trace Subdivi- liens and encumbrances of record: Tennessee, without the corporate limits of or setback lines that may be applicable; any exemptions, which are expressly waived in the sion Homeowners’ Association SITUATED in the Third (3rd) Civil District of the City of Knoxville, Tennessee, and be- statutory rights of redemption of any govern- Deed of Trust, said property being real estate All right and equity of redemption, home- Knox County, Tennessee, in Ward Twenty-One ing known and designated as all of Lot 28, mental agency, state or federal; any prior liens situated in Knox County, Tennessee, and being stead and dower waived in said Deed of (21), and being more particularly described Fairview Village Subdivision, Unit 2, as the or encumbrances as well as any priority created more particularly described as follows: Trust, and the title is believed to be good, but as follows: same appears of record in Map Book 78S, by a fixture filing; and to any matter that an ac- Situated in District No. Seven (7) of Knox the undersigned will sell and convey only as Being Lot 35, Mechanicsville Commons, Unit Page 28, in the Register’s Office for Knox curate survey of the premises might disclose. County, Tennessee, within the 17th Ward Substitute Trustee. 1, as shown of record in Plat bearing Instru- County, Tennessee, to which map specific In addition, the following parties may claim of the City of Knoxville, Tennessee, and be- ARNOLD M. WEISS, Substitute Trustee ment No. 200010230027916 of record in reference is hereby made for a more particu- an interest in the above-referenced property: ing known and designated as all of Lot 37, Weiss Spicer Cash PLLC the Register’s Office for Knox County, Tennes- lar description, and according to the survey Hopkins, Daniel L.; Hopkins, Heaven; Ten- Scott’s Park Addition, as shown on map of 208 Adams Avenue see, to which map specific is hereby made of Hinds & Pattison, RLS No. 967, Knoxville, nessee Housing Development Agency the same of record in Map Book 3, Page 1, Memphis, Tennessee 38103 for a more particular description. Tennessee dated April 19, 1999. The sale held pursuant to this Notice may Register’s Office, Knox County, Tennessee, 901‑526‑8296 Subject to all matters appearing on ALSO KNOWN AS: 7425 Maverick Lane, be rescinded at the Successor Trustee’s option and being more fully described as follows: File # 7134-117266-FC the plat of record in Instrument No. Corryton, TN 37721 at any time. The right is reserved to adjourn Beginning at an iron pin in the Northwestern Dec. 26, 2014 Jan. 2, 9, 2015 Fjk10164 200010230027916, and any restrictions, This sale is subject to all matters shown the day of the sale to another day, time, and right of way of Radford Place, corner to Lot easements or setback lines ancillary thereto, on any applicable recorded plat; any unpaid place certain without further publication, upon 36; said iron pin being located in a North- SUBSTITUTE TRUSTEE’S SALE said Register’s Office. taxes; any restrictive covenants, easements, announcement at the time and place for the easterly direction 50 feet, more or less, Default having been made in the payment of Subject to restrictions of record in Instrument or setback lines that may be applicable; any sale set forth above. W&A No. 251273 from the point of intersection of Radford the debts and obligations secured to be paid No. 200005100031571, said Register’s statutory rights of redemption of any govern- DATED December 20, 2014 Place and the right of way of W. Glenwood by a certain Deed of Trust executed March Office. mental agency, state or federal; any prior liens WILSON & ASSOCIATES, P.L.L.C., Avenue; thence from said beginning iron pin 26, 2008 by Krisston B. Henry and Joshua Being the same property conveyed to or encumbrances as well as any priority created Successor Trustee and with the common line of Lot 36; North Henry, wife and husband to US Title Corp of Jimmy Warren and wife, Kim Warren by by a fixture filing; and to any matter that an ac- FOR SALE INFORMATION, VISIT WWW. 13 degrees 55 minutes West, 150 feet to Knoxville, as Trustee, as same appears of Warranty Deed from Knoxville’s Com- curate survey of the premises might disclose. MYFIR.COM and WWW.REALTYTRAC.COM an alley; thence with said alley, North 76 record in the office of the Register of Knox munity Development Corporation, dated In addition, the following parties may claim Dec. 26, 2014 Jan. 2, 9, 2015 Fjk10168 degrees 02 minutes East, 50 feet to an iron County, Tennessee, in Register’s Instrument 5/25/2005 and recorded in Instrument an interest in the above-referenced property: pin, corner to Lot 38; thence with the line of No. 200804020073524, and the undersigned No. 200506010096360 said Register’s Perkins, Todd A. NOTICE OF TRUSTEE’S SALE Lot 38, South 13 degrees 55 minutes East, having been appointed Substitute Trustee by Office. The sale held pursuant to this Notice may WHEREAS, default has occurred in the 149.97 feet to an iron pin in the Northwest- instrument recorded in Register’s Instrument Parcel Number: 094FX 012 be rescinded at the Successor Trustee’s option performance of the covenants, terms, and ern right of way of Radford Place; thence No. 201309040015949, in the said Register’s Current Owner(s) of Property: Jimmy Warren at any time. The right is reserved to adjourn conditions of a Deed of Trust Note dated June with said right of way, South 76 degrees 00 Office, and the owner of the debt secured, and wife, Kim Warren the day of the sale to another day, time, and 28, 1996, and the Deed of Trust of even date minutes West, 50 feet to an iron pin, the Bank of America, N.A., having requested the Other interested parties: Richard A. Webb, place certain without further publication, upon securing the same, recorded July 2, 1996, in point of beginning, according to the survey undersigned to advertise and sell the property RLS; Webb Land Surveying announcement at the time and place for the Book No. TB 3126, at Page 590 and re-recorded of Hinds and Patterson Surveying Company, described in and conveyed by said Deed of Street Address: 1701 Moses Avenue, Knox- sale set forth above. W&A No. 251260 on January 31, 1997, in Book No. TB 3201, at Stanley E. Hinds, Surveyor, dated October Trust, all of said indebtedness having matured ville, Tennessee 37921 DATED December 20, 2014 Page 324, in Office of the Register of Deeds 27, 1999, Job No. 9910066. by default in the payment of a part thereof, at Any property address provided is not part of WILSON & ASSOCIATES, P.L.L.C., for Knox County, Tennessee, executed by Ger- ALSO KNOWN AS: 707 Radford Place, the option of the owner, this is to give notice the legal description of the property sold herein Successor Trustee ald D. Fisher and Margaret Fisher, conveying Knoxville, TN 37917-4337 that the undersigned will, on Thursday, January and in the event of any discrepancy, the legal FOR SALE INFORMATION, VISIT WWW. certain property therein described to Mona J. This sale is subject to all matters shown 22, 2015 commencing at 10:00 AM, at the City description referenced herein shall control. MYFIR.COM and WWW.REALTYTRAC.COM Wilson as Trustee for The Money Tree; and the on any applicable recorded plat; any unpaid County Building, 400 Main Street, Knoxville, SALE IS SUBJECT TO TENANT(S) RIGHTS Dec. 26, 2014 Jan. 2, 9, 2015 Fjk10167 undersigned, Wilson & Associates, P.L.L.C., taxes; any restrictive covenants, easements, TN 37902, Knox County, Tennessee proceed IN POSSESSION. having been appointed Successor Trustee by or setback lines that may be applicable; any to sell at public outcry to the highest and All right of equity of redemption, statutory NOTICE OF TRUSTEE’S SALE MidFirst Bank. statutory rights of redemption of any govern- best bidder for cash, the following described and otherwise, and homestead are expressly WHEREAS, default has occurred in the NOW, THEREFORE, notice is hereby given mental agency, state or federal; any prior property, to‑wit: waived in said Deed of Trust, and the title is performance of the covenants, terms, and that the entire indebtedness has been declared liens or encumbrances as well as any priority Situated in County of Knox, State of Ten- believed to be good, but the undersigned will conditions of a Deed of Trust Note dated due and payable; and that an agent of Wilson & created by a fixture filing; and to any matter nessee. sell and convey only as Substitute Trustee. May 17, 2006, and the Deed of Trust of even Associates, P.L.L.C., as Successor Trustee, by that an accurate survey of the premises might Situated in the Third (3rd) Civil District of Knox If you purchase a property at the foreclo- date securing the same, recorded May 19, virtue of the power, duty, and authority vested disclose. In addition, the following parties County, Tennessee, and within the 11th Ward of sure sale, the entire purchase price is due and 2006, Document No. 200605190097319, in and imposed upon said Successor Trustee, may claim an interest in the above-referenced the City of Knoxville, Tennessee, and being Lot payable at the conclusion of the auction in the in Office of the Register of Deeds for Knox by MidFirst Bank, will, on January 28, 2015 on property: Williams, Samuel N.; Secretary 11 in the Kings Subdivision, more particularly form of a certified/bank check made payable County, Tennessee, executed by Daniel L. or about 10:00 AM, at the Knox County Court- of Housing and Urban Development described as follows: Beginning at an iron pin to or endorsed to Shapiro & Kirsch, LLP. No Hopkins and Heaven Hopkins, conveying house, Knoxville, Knoxville, Tennessee, offer The sale held pursuant to this Notice may in the north line of East Glenwood Avenue, personal checks will be accepted. To this certain property therein described to Lewis for sale certain property hereinafter described be rescinded at the Successor Trustee’s option said iron pin being located 50 feet, more or end, you must bring sufficient funds to outbid S. Howard, Jr., Esq. as Trustee for Mortgage to the highest bidder FOR certified funds paid at any time. The right is reserved to adjourn less, from the intersection of East Glenwood the lender and any other bidders. Insufficient Electronic Registration Systems Inc., as nomi- at the conclusion of the sale, or credit bid from the day of the sale to another day, time, and Avenue and the right of way of Interstate 40, and funds will not be accepted. Amounts received nee for EquiFirst Corporation its successors a bank or other lending entity pre-approved by place certain without further publication, upon corner to Lot 9; thence, leaving East Glenwood in excess of the winning bid will be refunded and assigns; and the undersigned, Wilson & the successor trustee. The sale is free from all announcement at the time and place for the Avenue, North 15 degrees 00 minutes East, to the successful purchaser at the time the Associates, P.L.L.C., having been appointed exemptions, which are expressly waived in the sale set forth above. W&A No. 300766 140.00 feet to an iron pin in an alley thence, foreclosure deed is delivered. Successor Trustee by U.S. Bank National Deed of Trust, said property being real estate DATED December 11, 2014 South 75 degrees 00 minutes East, 50.0 feet This property is being sold with the express Association, as Trustee for Structured Asset situated in Knox County, Tennessee, and being WILSON & ASSOCIATES, P.L.L.C., to an iron pin in said alley; thence leaving said reservation that the sale is subject to confirma- Securities Corporation,Mortgage Pass-Through more particularly described as follows: Successor Trustee alley South 15 degrees 00 minutes West, tion by the lender or trustee. This sale may be Certificates, Series 2006-EQ1. Situated in District Six (6) of Knox County, FOR SALE INFORMATION, VISIT WWW. 140.00 feet to an iron pin in the north line rescinded at any time. NOW, THEREFORE, notice is hereby given Tennessee, and without the corporate MYFIR.COM and WWW.REALTYTRAC.COM of East Glenwood Avenue, corner to Lot 13; Shapiro & Kirsch, LLP Substitute Trustee that the entire indebtedness has been declared limits of the City of Knoxville, Tennessee, Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10158 thence, with the right of way of East Glenwood Law Office of Shapiro & Kirsch, LLP due and payable; and that an agent of Wilson and being known and designated as all of Avenue, North 75 degrees 00 minutes West, 555 Perkins Road Extended, Second & Associates, P.L.L.C., as Successor Trustee, Lot 24 in Cloverhill Subdivision Unit 1, as SUBSTITUTE TRUSTEE’S SALE 50.00 feet to the place of beginning. The Floor by virtue of the power, duty, and authority the same appears of record in Map Book Default having been made in the payment of above description is the same as found in Memphis, TN 38117 vested in and imposed upon said Successor 23, Page 105, Cabinet C, Slide 76D, in the the debts and obligations secured to be paid by prior deed of record as a boundary line survey Phone (901)767-5566 Trustee, by U.S. Bank National Association, Knox County Register’s Office, to which a certain Deed of Trust executed January 25, was not done at the time of this conveyance. Fax (901)761-5690 as Trustee for Structured Asset Securities map specific reference is hereby made for 2007 by Kimberley J. Clawson, an unmarried This conveyance is subject to all restrictions, www.kirschattorneys.com Corporation,Mortgage Pass-Through Certifi- a more particular description. woman to Robert M. Wilson, Jr., as Trustee, easements, setback lines, and other condi- File No. 11-017357 cates, Series 2006-EQ1, will, on January 21, ALSO KNOWN AS: 5128 Ball Road, Knox- as same appears of record in the office of the tions shown of record in the Register’s Office Dec. 26, 2014 Jan. 2, 9, 2015 Fjk10166 2015 on or about 10:00 AM , at the Knox ville, TN 37931 Register of Knox County, Tennessee, in Reg- for Knox County, Tennessee. County Courthouse, Knoxville, Knoxville, This sale is subject to all matters shown ister’s Instrument No. 200702050063193, Krisston B. Henry is one and the same as NOTICE OF TRUSTEE’S SALE Tennessee, offer for sale certain property on any applicable recorded plat; any unpaid and the undersigned having been appointed Krisston B. Lasker WHEREAS, default has occurred in the per- hereinafter described to the highest bidder taxes; any restrictive covenants, easements, Substitute Trustee by instrument recorded in Tax Parcel ID: 081L-J-011 formance of the covenants, terms, and condi- FOR certified funds paid at the conclusion of or setback lines that may be applicable; any the said Register’s Office, and the owner of Property Address: 207 East Glenwood Avenue, tions of a Deed of Trust Note dated November the sale, or credit bid from a bank or other statutory rights of redemption of any govern- the debt secured, Green Tree Servicing LLC, Knoxville, TN. 15, 2012, and the Deed of Trust of even date lending entity pre-approved by the successor mental agency, state or federal; any prior liens having requested the undersigned to advertise All right and equity of redemption, home- securing the same, recorded November 27, trustee. The sale is free from all exemptions, or encumbrances as well as any priority created and sell the property described in and conveyed stead and dower waived in said Deed of 2012, Document No. 201211270034295, which are expressly waived in the Deed of by a fixture filing; and to any matter that an ac- by said Deed of Trust, all of said indebtedness Trust, and the title is believed to be good, but in Office of the Register of Deeds for Knox Trust, said property being real estate situated curate survey of the premises might disclose. having matured by default in the payment of a the undersigned will sell and convey only as County, Tennessee, executed by Todd A. in Knox County, Tennessee, and being more In addition, the following parties may claim part thereof, at the option of the owner, this Substitute Trustee. Perkins, conveying certain property therein particularly described as follows: an interest in the above-referenced property: is to give notice that the undersigned will, on ARNOLD M. WEISS, Substitute Trustee described to Residential Title & Escrow, LLC Situated in District No. Five (5) of Knox Fisher, Gerald D.; Fisher, Margaret; Tuesday, January 20, 2015 commencing at Weiss Spicer Cash PLLC as Trustee for Mortgage Electronic Registration County, Tennessee, and within the 40th Unifund CCR Partners, assignee of 12:00 PM, at the Northernmost Entrance from 208 Adams Avenue Systems, Inc., as nominee for Primary Capital Ward of the City of Knoxville, Tennessee, First USA; Knoxville Utilities Board Main Avenue near the Main Assembly Room Memphis, Tennessee 38103 Advisors LC, its successors and assigns; and and being known and designated as Lot No. The sale held pursuant to this Notice may on M-Level of the City and County Building, 901‑526‑8296 the undersigned, Wilson & Associates, P.L.L.C., 2, Block B, Pleasant Hill Subdivision, Unit 1, be rescinded at the Successor Trustee’s option Knoxville, Knox County, Tennessee proceed File # 1701-118703-FC having been appointed Successor Trustee by as shown on the Plat of the same of record at any time. The right is reserved to adjourn to sell at public outcry to the highest and Dec. 26, 2014 Jan. 2, 9, 2015 Fjk10165 Wells Fargo Bank, NA. in Plat Cabinet D, Slide 399 C (Formerly the day of the sale to another day, time, and best bidder for cash, the following described NOW, THEREFORE, notice is hereby given Map Book 51-S, Page 9), in the Register’s place certain without further publication, upon property, to‑wit: SUBSTITUTE TRUSTEE’S SALE that the entire indebtedness has been declared Office for Knox County, Tennessee, to which announcement at the time and place for the Situated in County of Knox, State of Ten- Sale at public auction will be on January due and payable; and that an agent of Wilson & Plat specific reference is hereby made for a sale set forth above. W&A No. 251537 nessee. 27, 2015 at 12:00PM local time, at the north Associates, P.L.L.C., as Successor Trustee, by more particular description and according DATED December 22, 2014 Situated in the 5th Civil District of Knox County, door, Knox County Courthouse, City-County virtue of the power, duty, and authority vested to the Survey of Batson and Himes, Engi- WILSON & ASSOCIATES, P.L.L.C., Tennessee, and being more particularly de- Building, 400 Main Street, Knoxville, Ten- in and imposed upon said Successor Trustee, neers, Knoxville, Tennessee, bearing date Successor Trustee scribed as follows: Lot 2, Unit 1, Pleasant Trace nessee, pursuant to Deed of Trust executed by Wells Fargo Bank, NA, will, on January 21, July 19, 1972. The property is subject to 20-20-6-0445469 Subdivision, a Planned Unit Development, as by Jimmy Warren and Kim Warren, husband 2015 on or about 10:00 AM, at the Knox all applicable easements, permissive use FOR SALE INFORMATION, VISIT WWW. shown on map of record in Map Cabinet L, Slide and wife, to Park Place Title and Escrow, County Courthouse, Knoxville, Knoxville, agreements and restrictions of record in MYFIR.COM and WWW.REALTYTRAC.COM 249D, in the Register’s Office of Knox County, Trustee, on May 25, 2005 at Instrument No. Tennessee, offer for sale certain property the Knox County Register’s Office Deeds Continued on page 14 Tennessee, to which reference is hereby made 200506010096361; all of record in the Knox hereinafter described to the highest bidder Office. Also conveyed are all right in and Page 14 Public Notices JANUARY 2 - 8, 2015 www.TNLedger.com/Knoxville

Foreclosure Notices price is due and payable at the conclusion funds will not be accepted. Amounts received ALSO KNOWN AS: 1815 Luzerne Drive, Childers, dated July 24, 2009, of record in of the auction in the form of a certifi ed/ in excess of the winning bid will be refunded Gatlinburg, TN 37738-3720 Book 3388, Page 359, in the Register’s Of- Continued from page 13 bank check made payable to or endorsed to to the successful purchaser at the time the This sale is subject to all matters shown fi ce for Sevier County, Tennessee. Shapiro & Kirsch, LLP. No personal checks foreclosure deed is delivered. on any applicable recorded plat; any unpaid Tax Map: 125M Group:E Parcel: 022.00 Jan. 2, 9, 16, 2015 Fkk10171 will be accepted. To this end, you must bring This property is being sold with the express taxes; any restrictive covenants, easements, Street Address: 1128 Ski Mountain Road, suffi cient funds to outbid the lender and any reservation that the sale is subject to confi rma- or setback lines that may be applicable; any Gatlinburg, Tennessee 37738 SUBSTITUTE TRUSTEE’S SALE other bidders. Insuffi cient funds will not be tion by the lender or trustee. This sale may be statutory rights of redemption of any govern- Parcel Number: 125M E 022.00 Sale at public auction will be on March 5, accepted. Amounts received in excess of the rescinded at any time. mental agency, state or federal; any prior liens Current Owner(s) of Property: Paul S. Doublin 2015 at 10:00 AM local time, at the north side winning bid will be refunded to the successful Shapiro & Kirsch, LLP Substitute Trustee or encumbrances as well as any priority created and wife, Julie Doublin entrance of the City County Building, 400 Main purchaser at the time the foreclosure deed Law Offi ce of Shapiro & Kirsch, LLP by a fi xture fi ling; and to any matter that an ac- The street address of the above described Street, Knoxville, TN 37902 pursuant to Deed is delivered. 555 Perkins Road Extended, Second curate survey of the premises might disclose. property is believed to be 1128 Ski Mountain of Trust executed by Misti Whitehead an unmar- This property is being sold with the ex- Floor In addition, the following parties may claim an Road, Gatlinburg, Tennessee 37738, but such ried woman, to US Title, Trustee, as trustee press reservation that the sale is subject to Memphis, TN 38117 interest in the above-referenced property: address is not part of the legal description of for Mortgage Electronic Registration Systems, confi rmation by the lender or trustee. This sale Phone (901)767-5566 CHAPMAN, CAROL M. the property sold herein and in the event of Inc. (“MERS”), solely as nominee for Peoples may be rescinded by the Substitute Trustee Fax (901)761-5690 CHAPMAN, GARY F. any discrepancy, the legal description herein Home Equity Inc. on January 22, 2010 at at any time. www.auction.com The sale held pursuant to this Notice may shall control. Instrument No. 201002250054709; modifi ed This offi ce may be a debt collector. This File No. 14-062826 be rescinded at the Successor Trustee’s option SALE IS SUBJECT TO TENANT(S) RIGHTS in Instrument Number 201406170071151; may be an attempt to collect a debt and any Jan. 2, 9, 16, 2015 Fkk10174 at any time. The right is reserved to adjourn IN POSSESSION. conducted by Shapiro & Kirsch, LLP having been information obtained may be used for that the day of the sale to another day, time, and This sale is subject to all matters shown on appointed Substitute or Successor Trustee, all purpose. place certain without further publication, upon any applicable recorded plat any unpaid taxes; of record in the Knox County Register’s Offi ce. Shapiro & Kirsch, LLP Substitute Trustee announcement at the time and place for the and any restrictive covenants, easements, or Default has occurred in the performance of the Law Offi ce of Shapiro & Kirsch, LLP Foreclosure Notices sale set forth above. W&A No. 300581 setback lines that may be applicable; any statu- covenants, terms, and conditions of said Deed 555 Perkins Road Extended, Second DATED December 15, 2014 tory right of redemption of any governmental of Trust and the entire indebtedness has been Floor Sevier County WILSON & ASSOCIATES, P.L.L.C., agency, state or federal; any prior liens or declared due and payable. Memphis, TN 38117 Successor Trustee encumbrances as well as any priority created Party Entitled to Enforce the Debt: Wells Phone (901)767-5566 FOR SALE INFORMATION, VISIT WWW. by a fi xture fi ling; and to any matter that an Fargo Bank, NA, its successors and assigns Fax (901)761-5690 NOTICE OF TRUSTEE’S SALE MYFIR.COM and WWW.REALTYTRAC.COM accurate survey of the premises might disclose. The following real estate located in Knox www.auction.com WHEREAS, default has occurred in the Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10157 In addition, the following parties may claim an County, Tennessee, will be sold to the high- File No. 14-062773 performance of the covenants, terms, and interest in the above-referenced property: est call bidder: Jan. 2, 9, 16, 2015 Fkk10172 conditions of a Deed of Trust Note dated SUBSTITUTE TRUSTEE’S SALE SALE IS SUBJECT TO ANY INTEREST LEGAL DESCRIPTION FOR PROPERTY COM- November 27, 2006, and the Deed of Trust Sale at public auction will be on February THAT MAY EXIST IN UNRELEASED DEED OF MONLY KNOWN AS: SUBSTITUTE TRUSTEE’S SALE of even date securing the same, recorded 24, 2015 at 10:00AM local time, at the front TRUST OF RECORD AT BOOK 1240, PAGE 1131 East Red Bud Road Knoxville TN Sale at public auction will be on March November 29, 2006, in Book No. 2674, at door, Sevier County Courthouse, 125 Court 374, IN THE REGISTER’S OFFICE OF SEVIER 37920 5, 2015 at 10:00AM local time, at the north Page 555, in Offi ce of the Register of Deeds for Square, Sevierville, Tennessee pursuant to COUNTY, TENNESSEE. SITUATED IN DISTRICT 9, KNOX COUNTY, side entrance of the City County Building, 400 Sevier County, Tennessee, executed by Carol Deed of Trust executed by Paul S. Doublin, All right of equity of redemption, statutory WITHIN THE 26TH WARD OF THE CITY Main Street, Knoxville, TN 37902, pursuant to M. Chapman and Gary F. Chapman, conveying married person, joined by his wife, Julie Doublin, and otherwise, and homestead are expressly OF KNOXVILLE, TENNESSEE AND BEING Deed of Trust executed by Eric Lee Davis an certain property therein described to TRSTE to Arnold M. Weiss, Esq., Trustee, as trustee waived in said Deed of Trust, and the title is KNOWN AND DESIGNATED AS ALL OF LOT unmarried man, to Concord Title Company, II, Inc. as Trustee for Mortgage Electronic for Wells Fargo Bank, N.A. on July 24, 2009 believed to be good, but the undersigned will 10, LAUREL HILLS SUBDIVISION UNIT 2, AS Trustee, on July 15, 2004 at Instrument No. Registration Systems, Inc., as nominee for at Book 3388, Page 361, Instrument No. sell and convey only as Substitute Trustee. SHOWN BY PLAT OF RECORD IN MAP BOOK 200407190005359; all of record in the Knox Wachovia Mortgage Corporation, its succes- 09039712; conducted by Shapiro & Kirsch, The right is reserved to adjourn the day 20, PAGE 146 IN THE REGISTER’S OFFICE County Register’s Offi ce. sors and assigns; and the undersigned, Wilson LLP having been appointed Substitute or of the sale to another day, time, and place FOR KNOX COUNTY, TENNESSEE TO WHICH Party entitled to enforce security interest: & Associates, P.L.L.C., having been appointed Successor Trustee, all of record in the Sevier certain without further publication, upon an- PLAT SPECIFIC REFERENCE IS HEREBY MADE JPMorgan Chase Bank, National Association, Successor Trustee by Deutsche Bank Trust County Register’s Offi ce. Default has occurred nouncement at the time and place for the sale AND INCORPORATED HEREIN AS IF COPIED its successors and assigns Company Americas, as Trustee for Residential in the performance of the covenants, terms, set forth above. If you purchase a property VERBATIM. The following real estate located in Knox Accredit Loans, Inc., Mortgage Asset-Backed and conditions of said Deed of Trust and the at the foreclosure sale, the entire purchase THE ABOVE DESCRIPTION IS THE SAME AS County, Tennessee, will be sold to the highest Pass-Through Certifi cates, Series 2007-QS3. entire indebtedness has been declared due price is due and payable at the conclusion FOUND IN PRIOR DEED OF RECORD AS A call bidder subject to all unpaid taxes, prior NOW, THEREFORE, notice is hereby given and payable. of the auction in the form of a certifi ed/ BOUNDARY LINE SURVEY WAS NOT DONE liens and encumbrances of record: that the entire indebtedness has been declared Party Entitled to Enforce the Debt: Wells bank check made payable to or endorsed to AT THE TIME OF THIS CONVEYANCE. SITUATED in district Six (6) of Knox County, due and payable; and that an agent of Wilson & Fargo Bank, N.A., its successors and as- Shapiro & Kirsch, LLP. No personal checks THIS CONVEYANCE IS SUBJECT TO ALL Tennessee, without the corporate limits Associates, P.L.L.C., as Successor Trustee, by signs will be accepted. To this end, you must bring RESTRICTIONS, EASEMENTS, SETBACK of the City of Knoxville, Tennessee, and virtue of the power, duty, and authority vested The following real estate located in Sevier suffi cient funds to outbid the lender and any LINES, AND OTHER CONDITIONS SHOWN being known and designated as all of Lot in and imposed upon said Successor Trustee, County, Tennessee, will be sold to the highest other bidders. Insuffi cient funds will not be OF RECORD IN THE REGISTER’S OFFICE FOR 3, Block A, OAK CHASE SUBDIVISION, Unit by Deutsche Bank Trust Company Americas, call bidder: accepted. Amounts received in excess of the KNOX COUNTY, TENNESSEE. 1, as shown on map of same of record in as Trustee for Residential Accredit Loans, Inc., Described property located at Sevier County, winning bid will be refunded to the successful BEING the same property conveyed to Misti Map Cabinet F, Slide 176-B, (Old Map Book Mortgage Asset-Backed Pass-Through Certifi - Tennessee, to wit: purchaser at the time the foreclosure deed Whitehead from David Powell by virtue of 84-S, page 48), in the Register of Deeds cates, Series 2007-QS3, will, on January 13, SITUATE in the Eleventh (11th) Civil District is delivered. Warranty Deed dated 01/22/10 of record Offi ce for Knox County, Tennessee, said 2015 on or about 11:30 AM, at the Sevier of Sevier County, Tennessee, and within the This property is being sold with the ex- in Instrument Number 201002250054708 property being bounded and described as County Courthouse, Sevierville, Sevierville, City of Gatlinburg, Tennessee, being all of press reservation that the sale is subject to in the Register’s Offi ce for Knox County, shown on map of aforesaid addition, to which Tennessee, offer for sale certain property Lot 38 of Ski Road Properties, as shown on confi rmation by the lender or trustee. This sale Tennessee. map reference is hereby made for a more hereinafter described to the highest bidder the map of record in Map Book 6, Page 78, may be rescinded by the Substitute Trustee Street Address: 1131 East Red Bud Road, particular description. FOR certifi ed funds paid at the conclusion of in the Register’s Offi ce for Sevier County, at any time. Knoxville, Tennessee 37920 THE SOURCE of the above description being the sale, or credit bid from a bank or other Tennessee, to which map specifi c refer- This offi ce may be a debt collector. This Parcel Number: 109FD 051 the map of record in Map Cabinet F, Slide 176- lending entity pre-approved by the successor ence is hereby made for a more particular may be an attempt to collect a debt and any Current Owner(s) of Property: Misti Whitehead B, (Old Map 84-S, page 48), in the Register trustee. The sale is free from all exemptions, description. information obtained may be used for that a single woman of Deeds Offi ce for Knox County, Tennessee; which are expressly waived in the Deed of SUBJECT to easements, notations, setbacks, purpose. Other interested parties: City of Knoxville, No boundary survey having been obtained at Trust, said property being real estate situated restrictions and right-of-ways as shown on Shapiro & Kirsch, LLP Substitute Trustee Secretary of Housing and Urban Develop- the time of this conveyance. in Sevier County, Tennessee, and being more the map of record in Map Book 6, Page 78, Law Offi ce of Shapiro & Kirsch, LLP ment BEING the same property conveyed to particularly described as follows: in the said Register’s Offi ce. 555 Perkins Road Extended, Second The street address of the above described Rebecca Vance, by Warranty Deed dated Situated in the Eleventh (11th) Civil District SUBJECT to restrictions of record in WD Book Floor property is believed to be 1131 East Red Bud November 25, 2004, in Deed Book 2058, of Sevier County, Tennessee and being all of 142, Page 326, in the said Register’s Offi ce. Memphis, TN 38117 Road, Knoxville, Tennessee 37920, but such page 178, in the Register of Deeds Offi ce Lot 46, Block K, Section 4, of the Tyrolea SUBJECT to a Waiver of Grantor Rights at Phone (901)767-5566 address is not part of the legal description of for Knox County, Tennessee. Subdivision, as shown on a plat of record in Book 3082, Page 249, as it pertains to North- Fax (901)761-5690 the property sold herein and in the event of THIS CONVEYANCE IS MADE SUBJECT Map Book 11, Page 45, in the Register’s Of- side Bank, in the said Register’s Offi ce. www.kirschattorneys.com any discrepancy, the legal description herein TO all applicable restrictions, building set fi ce for Sevier County, Tennessee, to which BEING the same property conveyed to Paul S. File No. 14-062581 shall control. back lines, all existing easements and all map specifi c reference is hereby made for Doublin, and wife, Julie Doublin by Warranty Dec. 19, 26, 2014 Jan. 2, 2015 Fjk10161 SALE IS SUBJECT TO TENANT(S) RIGHTS other conditions as shown of record in the a more particular description. Deed from Terry Childers and wife, Celia N. IN POSSESSION. Register of Deeds Offi ce for Knox County, This sale is subject to all matters shown on Tennessee. any applicable recorded plat any unpaid taxes; BEING the same property conveyed to Eric and any restrictive covenants, easements, or Lee Davis, Unmarried, by Warranty Deed setback lines that may be applicable; any statu- dated July 15, 2004, of record in Instrument tory right of redemption of any governmental No. 200407190005358, in the Register of agency, state or federal; any prior liens or Deeds Offi ce for Knox County, Tennessee. encumbrances as well as any priority created Parcel Number: 029FB 003 by a fi xture fi ling; and to any matter that an Current Owner(s) of Property: Eric Lee Davis, accurate survey of the premises might disclose. unmarried Oh, the world of possibilities. In addition, the following parties may claim an Street Address: 7356 Oak Chase Road, interest in the above-referenced property: City Knoxville, Tennessee 37918 of Knoxville, Secretary of Housing and Urban Any property address provided is not part of Development the legal description of the property sold herein SALE IS SUBJECT TO ONE YEAR RIGHT and in the event of any discrepancy, the legal OF REDEMPTION HELD BY THE SECRETARY description referenced herein shall control. OF HOUSING AND URBAN DEVELOPMENT BY SALE IS SUBJECT TO TENANT(S) RIGHTS REASON OF THE DEED OF TRUST OF RECORD IN POSSESSION. AT INSTRUMENT NO. 201405010061803, IN All right of equity of redemption, statutory THE REGISTER’S OFFICE OF KNOX COUNTY, and otherwise, and homestead are expressly TENNESSEE. waived in said Deed of Trust, and the title is All right of equity of redemption, statutory believed to be good, but the undersigned will Did you know adding a QR symbol on your ad leads readers directly to your web site? and otherwise, and homestead are expressly sell and convey only as Substitute Trustee. waived in said Deed of Trust, and the title is If you purchase a property at the fore- believed to be good, but the undersigned will closure sale, the entire purchase price is sell and convey only as Substitute Trustee. due and The right is reserved to adjourn the day payable at the conclusion of the auction in of the sale to another day, time, and place the form of a certifi ed/bank check made pay- Call 615-254-5522 certain without further publication, upon an- able to or endorsed to Shapiro & Kirsch, LLP. QR is short for Quick Response. The nouncement at the time and place for the sale No personal checks will be accepted. To this code is readable by QR barcode readers Ledger set forth above. If you purchase a property end, you must bring suffi cient funds to outbid and smart phones. The information for information. encoded can be text, URL or other data. The power of information. at the foreclosure sale, the entire purchase the lender and any other bidders. Insuffi cient JANUARY 2 – 8, 2015 www.TNLedger.com/Knoxville Page 15

Passat ready to compete with Camry Roomy, affordable sedan with German engineering By Ann M. Job | For the Associated Press camera, the Passat’s SE trim adds travel range of more than 640 miles in Most consumers may  gure they fact sheet convincing, leather-like seat material, combined city and highway driving on a have to pay a premium to get German 2015 Volkswagen Passat TDI SE upsized, 17-inch alloy wheels, eight- single, 18.5-gallon tank. engineering, with Sunroof way, power driver’s seat, rear air vents, Anyone who hasn’t looked at VW cars European road BASE PRICE: $21,120 for 1.8T manual; heated front seats, premium audio with in a while will  nd the new Passat big. It handling and a $22,220 for 1.8T automatic; $24,135 touchscreen, leather-wrapped steering stretches nearly 16 feet long from bumper roomy interior in a for 1.8T Wolfsburg Edition; $26,020 wheel, parking brake and shift knob as to bumper and is competitive with others family-size sedan. But for 1.8T SE; $26,635 for 1.8T Sport; well as exterior chrome-look trim and in the segment. Volkswagen’s 2015 $26,825 for TDI SE; $27,830 for interior aluminum dashboard trim. Inside, Passat passengers didn’t feel Behind Passat is proving them 1.8T SE with Sunroof and Navigation; e Passat di erentiates from its constrained at all, and in typical VW $28,840 for TDI SE with Sunroof. the wrong. major competitors in o ering a 3.6-liter, fashion, all buttons, knobs and gauges the PRICE AS TESTED: $29,660. Starting retail price, gasoline V-6 and a 2-liter, turbodiesel were well-placed and had good feel. Seats WHEEL TYPE: Front-engine, front-wheel drive, WHEEL including destination four cylinder as well as the base, 1.8-liter, in the test Passat had a  rm feel,  rmer ve-passenger, mid-size sedan. charge, for the pleasantly styled,  ve- gasoline, turbo four. than the Camry and Accord seats, and ENGINE: 2-liter, double overhead cam, e Camry, Accord and most other provided great support for non-fatiguing passenger Passat is just $23,040 with common rail direct injection, diesel automatic transmission. It’s only $21,940 turbocharged and intercooled, inline family-size sedans don’t o er diesel rides. with a  ve-speed manual. four cylinder. engines. Brakes took a bit of getting used to, Both prices undercut the starting retail MILEAGE: 30 mpg (city), 42 mpg (high- While record-low gasoline prices today as they could engage strongly. But they price, including destination charge, of way). might not encourage interest in the fuel- surely stopped the Passat securely on wet $24,460 for a 2015 Toyota Camry, TOP SPEED: NA. thrifty diesel Passat, it’s worth mentioning and dry pavement. according to pricing from Toyota’s LENGTH: 191.6 inches. the 2015 Passat TDI, as it’s called, is a e 2015 Passat moved purposely consumer website. WHEELBASE: 110.4 inches. bargain. around other cars in tra c, with electro- Plus, the Passat is a recommended buy CURB WEIGHT: 3,497 pounds. For a starting retail price of $27,645, mechanical steering that was responsive of Consumer Reports magazine, where BUILT AT: Chattanooga, Tenn. this Passat TDI with a new-for-2015 without being too quick. turbodiesel four cylinder produces 150 e ride di erentiated the Passat reliability is rated at well above average OPTIONS: None. horses and an impressive 236 foot-pounds from the more mainstream mid-size with the base, turbo gasoline four cylinder DESTINATION CHARGE: $820. of torque starting at a low 1,750 rpm. sedans. ere was a  rmness to the ride, and average with the fuel-sipping turbo The Associated Press diesel engine. e 2015 Passat ranks as the lowest- a precision to the body control of the Further, the 2015 Passat earned  ve out priced diesel-powered sedan on the car that’s not found in non-European of  ve stars in federal government crash Accord, which has a starting retail price, market. vehicles. testing. including destination charge, of $23,725 Other diesel sedans, such as the BMW Yes, this Passat is built in Chattanooga, And while the Camry has been the for a 2015 base model with continuously 3-Series and Mercedes-Benz E-Class, are but its roots and engineering still tie in top-selling mid-size sedan in America variable transmission that a driver operates priced much higher. with Europe where sloppy handling is for years, the Passat actually o ers more like an automatic. e number of miles that a driver of the unacceptable. Indeed, the test Passat TDI front- and back-seat legroom. e Accord also is o ered with a Passat TDI can go without  lling the tank had little body lean in all but the most e 2015 Passat has 42.4 inches in manual at a starting retail price of often takes people by surprise. aggressive driving and conveyed a subtle the front seat and a full 39.1 inches of $22,925. e federal government rated the test poise and sharpness that’s de nitely not legroom in back. But Passat buyers must move up to the Passat TDI with automatic at 30 miles mainstream. e Camry’s reported rear-seat legroom SE trim level, and a starting retail price of per gallon in city driving and 42 mpg e backup camera was appreciated in is 38.9 inches, while front-seat legroom $26,840, to get a back-up camera. on the highway. Even with aggressive the tester, as sizable pillars at the sides of tops out at 41.6 inches. Standard equipment on all 2015 driving, the tester wound up with a the back window could block views as a e 2015 Passat has more trunk space, Passats includes air conditioning, power driver backed out of parking spaces. too - 15.9 cubic feet vs. Camry’s 15.4 windows, mirrors and door locks, In October, a few 2015 Passats were cubic feet. Bluetooth hands-free connectivity, a among 393 VWs that were the subject One place where the Passat comes up six-speaker audio system and of a U.S. safety recall. VW short, though, is the lack of a backup split rear seatbacks reported a seatback recliner camera on its lowest-priced models. that fold down bracket might not engage Toyota includes a backup camera on every to expand the properly, potentially causing 2015 Camry. cargo space. movement of the seatback. So does the other top-selling family In addition Such movement might distract sedan in the United States, the Honda to the backup a driver and lead to a crash. Rising US interest rates could hurt global economy >> economy from p3 Americans have been buying more SUVs helping hold down in ation and U.S loan its stimulus e orts, possibly by buying and pickups, which use more aluminum. rates, including for mortgages. government bonds. of the U.S. economy: It’s more insulated Demand for solar power panels is also Lower rates, in turn, could fuel more at step would inject more cash into from the rest of the world’s ups and lifting sales. home sales and construction next year. the economy to boost lending and keep downs than other major economies are. “ ings are lining up for next year to be Stan Humphries, chief economist at rates low. Exports account for just 14 percent of one of the best years in the history of our Zillow, thinks Americans ages 25 to 34, U.S. output, the smallest share among Doubting Japan company,” Bradley said. stung by higher rents, will buy homes e global economy’s biggest wild card the 34 mostly rich members of the in greater numbers by the end of 2015. Organization for Economic Cooperation Powering us consumers next year might be Japan. It slid into In the United States, consumers are Mortgage giants Freddie Mac and Fannie recession last quarter after a sales tax hike and Development. Mae have relaxed their down payment One U.S. company largely protected the main drivers of growth. And fortunes hammered consumer spending. Prime are looking up for more households. requirements, which were a strain for Minister Shinzo Abe has delayed a second from overseas trends is Globe Specialty younger would-be buyers. Metals, a Miami-based producer of Employers are on track to add the most increase to 2017. jobs in 15 years in 2014. Humphries also thinks developers Japan’s central bank is buying silicon metals that draws 90 percent of its will build more lower-priced homes that revenue from North America. As a percentage of income, Americans’ government bonds and other  nancial debt has dropped to 2002 levels. millennials can a ord. assets in a bid to boost in ation and Its silicon is added to aluminum and Some signs of hope overseas have rubber parts used in cars, and robust auto In some ways, the U.S. economy stimulate growth. actually bene ts from slower growth emerged. Falling oil prices should bene t Yet so far, wages haven’t risen in line sales have boosted the company’s revenue. people in Europe, Japan and China, all CEO Je Bradley says he’s optimistic abroad. Investors in search of safety have with prices, thereby threatening consumer plowed money into Treasurys, thereby of which import oil. And analysts expect spending. about 2015. As gas prices have sunk, the European Central Bank to ramp up Page 16 www.TNLedger.com/Knoxville JANUARY 2 – 8, 2015

Up to Webster, Whisenhunt to dig out 20 years later, franchise again at rock bottom NASHVILLE has ever known – highlighted by its only get close and lose, again it was the “I’ve been in this thing long enough – e lockers have Super Bowl appearance in 1999. snowball e ect. to know that you’re always going to have been cleaned out, the ose days seem oh so far away now “You tried and you just can’t get over some potential changes. at’s just the shoulder pads and for Titans fans who have endured such a the hump. It just keeps making it worse.” way it works.” helmets taken up to be bad  rst season – empty seats and empty Following the 2-14 season, Reese and Beyond that, Whisenhunt didn’t o er Sports cleaned and stored. hope – under Ken Whisenhunt. ey Fisher dug in together, drafted wisely, many answers for what went wrong in But the stench of might even long for the mediocrity and grabbing an untested quarterback named 2014. By TERRY McCORMICK the worst season for occasional competitiveness of the past few Steve McNair to lead the team out of the My short list of culprits ranges from the Tennessee Titans years. wilderness. injuries to coaching in exibility and franchise since 1994 still remained after Truth is, bottoming out might not be It took awhile, but that worked out inability to adjust to issues with the roster the season wrapped up with a 2-14 mark. the worst thing for this franchise. e pretty well. and personnel. e last time the franchise was in “reward” for such awfulness will be the Now, two decades later, it’s up to Whisenhunt on Monday o ered few if this predicament was 1994, when it second overall pick in the 2015 draft and Whisenhunt and GM Ruston Webster to any of those reasons why – just a promise was still known as the Houston Oilers the  rst pick in the subsequent even- continue the rebuilding process. to  x it. and a young interim coach named Je numbered rounds. Clearly, there are many questions But Whisenhunt was right on one Fisher was trying to impress new general Tackle Michael Roos, who is at the to be answered – from whether Zach front, even if he was half-joking when he manager Floyd Reese enough to show that end of his contract and contemplating Mettenberger is the answer at quarterback said it. he deserved the job on a permanent basis. retirement rather than return with a balky to whether Whisenhunt’s formula can “In my time in the NFL, it had better For what it’s worth, that decision knee, perhaps said it best, acknowledging produce the desired results in Tennessee. get better than this, or you’ll be talking to worked out pretty well for a while as the the Titans are farther away right now from “Whenever you have a season like this, somebody else next year.” Fisher/Reese combination brought the success than at any point in his 10 years. there’s gonna be changes,” Whisenhunt organization not only through a move “De nitely. e record obviously shows promised on Monday. “We’re gonna Terry McCormick covers the Titans for from Houston to Nashville but to some it, and just the way everything unfolded get better and we’ve got work to do. We TitanInsider.com and is a blogger for 247 of the most productive years this franchise during the year,” he says. “... then we’d understand that. Sports NFL Insider.

New kitchen items clever, but ... Do we really need banana slicers, egg crackers I visited my local Williams-Sonoma store recipe not long ago to purchase a new Dutch oven. I Velveeta love the durability and Fudge assortment of colors of 3/4 lb. (12 oz.) pkg. Velveeta, cut Kay’s the Le Creuset enameled into 1/2-inch cubes Cooking cast iron bake ware, so 1 cup butter or margarine opted for one of those. The EZ Cracker, banana slicer and Quirky Stem Hand Juicer are some of Kay Bona’s “just dandy” 1 1/2 4 oz. pkgs. (6 oz. total) Corner kitchen discoveries. unsweetened chocolate, broken By KAY BONA Little did I know the Dutch ovens are not often, this is a time saver. It works banana slicer. into pieces called “Dutch” ovens. ey are French ● 2 tbs. light corn syrup perfectly and makes a di cult job easy. (It is next one sounds like it might 2 16 oz. pkgs. powdered sugar (about ovens. Of course. After all, they’re from costs a mere $4 at most places.) be useful: the bag re-sealer for plastic eight cups) France, but I never realized that the ● Tired of hand-squeezing lemon juice bags. You know, potato chip and Doritos 1 1/2 cups chopped pecans French don’t use Dutch ovens. on your  sh, etc.? Well, I don’t blame bags. ose darn bags are so hard to fold 1 teaspoon vanilla So since I learned something new in you. It’s such a worrisome job. and keep the chips fresh. So this gadget, Microwave Velveeta, butter, choco- my kitchen – about a pot, no less – I Don’t fret because now there’s the that will cost you about $30 and runs on late, and corn syrup in microwaveable  gured I needed to brush up on my Quirky Stem Hand Juicer, a spray pump batteries, re-seals the bags just like new bowl on high three minutes or until “kitchenettetique.” for lemons, limes, etc. Just push it into the each and every time. Hmmm ... blended, stirring after two minutes. I’m thinking it’s time to have a cooking fruit, give it a few pumps and it sprays a ● e Perfect Portions Digital Scale Add chocolate mixture, in batches, to “Well, ain’t that just dandy!” column mist of juice on your food. isn’t just any digital scale. is one not sugar in large bowl, beating with mixer since there are some new innovations out I can’t attest to the functionality of this only displays the weight of the food, on medium speed until blended. Stir in nuts and vanilla. there that will make you want to just bang one. It sounds a bit strange to me, though. it also displays the caloric content, fat your pans together. Looks like you can purchase it for about calories, total fat, saturated fat, cholesterol Pour into 13x9-inch pan sprayed with cooking spray. Smooth top with spat- With pans in hand, let’s get started.  ve bucks. ( ink I’ll stick to squeezing.) and so on. ● ● ula. Refrigerate several hours or until First up is a bowl, but not just any My youngest granddaughter, Gwynn It’s literally the “food label” on a scale. rm; cut into small squares. bowl. (4 years old), loves to help in the kitchen, For about $50, if you’re a serious label- For longer storage, wrap tightly and If you use your phone to check your and one of her favorite things to do is reader and dieter, or just super serious freeze up to two months. Thaw in refrig- emails, update Facebook or pin a few crack the eggs. So I always have to pick about your diet, then you might enjoy erator overnight before serving. things on Pinterest while noshing on out tiny bits of shells. this scale. ramen noodles at lunch, you’re in luck. No worries now. ere’s the EZ ● And the last item (which is not so is is the anti-loneliness ramen bowl. It Cracker for about $10. It cracks, opens new but is still nice), is the Graviti Electric has a built-in slot on the side of the bowl and pours the egg into the bowl, all in one Salt & Pepper Mill. for your phone or iPod to rest. Every easy step – without shells. I say they’re nice because I own the smartphone addict should have one! I think I’ll pass, though. Watching pepper mill. ey run on batteries, and ● Next, I found a banana slicer. If Gwynn bang the egg on the side of the I know it sounds froofrooish, but if you you are a bit OCD and long for perfectly bowl and then squeeze it in her hand to have a bit of arthritis in your hands or round banana slices, then you absolutely open it is priceless. And I love picking out wrist, as I do, and yet you love the taste need this. For a mere $2.50, you can the shells afterward. of freshly ground black pepper, then it’s Kraft Foods make perfectly even bite-sized snacks. ● Having a dinner party? Are you the totally worth it. ● Moving on, I love this next gadget, type that has to have every piece of cutlery ere you have it, a small portion of the sounds fantastic. I found this on Kraft’s and I have to have it. It’s the stainless steel in the right place? en you might want new and fantastic. website. pineapple corer/slicer. Pineapples are a to invest in the table setting diagram Now for a recipe you can’t live without. Kay Bona is an award-winning pain to peel, but not with this corkscrew- placemat. It’s a blueprint for those of you Well, maybe you can, but I bet you columnist and photographer. Contact her at like gadget. If you eat or use pineapple who, well, those of you who need the haven’t had it yet. It’s kind of new and [email protected].