Ledger - Change and charm

Ledger - Change and charm
                                                                                 STREET LEVEL
                      Brown could                                                American dream,
                      be gold for blue                                           hot from the oven
                      Titans need game-changing
                      player, and Steelers WR                                    Kurdish brothers escape war-torn
                      Antonio Brown fits the bill.                               Iraq, find success, joy in tiny
                                                P27                              South Nashville pizzeria.

                      AP                                                                                         P12

                                                                                                                                                                   January 25 – 31, 2019
                                                                                                                                                                                                                 Vol. 45 | Issue 4
                                                                                                                                                                        NASHVILLE EDITION


                                                                                                         The power of information.

                   Change and charm
                                                                                        Big changes are coming to
                                                                                             Hillsboro Village.
                                                                                        But the enclave has a long
                                                                                          history of old favorites
                                                                                            giving way to new

                                                                                                          Stories by Tom Wood
                                                                                                            begin on page 2

                                                                                                                                                          Photo by Leigh Singleton |The Ledger                                                                                                                       f
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Ledger - Change and charm
Section A - Page 2                                                                         www.TNLedger.com                                                                     JANUARY 25 – 31, 2019

                            Photo by Michelle Morrow |The Ledger
           Pangaea owner Sandra Shelton, who’s retiring,
           says goodbye to her business, a staple of
           Hillsboro Village for years.

       Shelton ready for what’s next after Pangaea’s closing
       By Tom Wood                                                       décor shop has been described as everything from             see McClure’s go. I hated to see Provence go. And

                                                                         bohemian to eclectic, funky to venerable.                    now I hate to see Pangaea go. Change is hard for me.
                 andra Shelton is about to put the old axiom               And now it’s a memory, joining Bookman/                      “I’m kind of in a daze. I get emotional when
                 “when one door closes, another opens” to                Bookwoman, Bosco’s, Jackson’s and Provence Bread             people are really sweet and thank me for all the years.
                 the test.                                               & Cafe as Village businesses that have shuttered in          I was telling a friend, when I see all the pictures on
                   This past Sunday, Shelton closed the                  the past few years.                                          Instagram and Facebook, I tear up seeing how it
                 doors on Pangaea, her beloved Hillsboro                   “I grew up in Nashville … so I’ve seen a lot of            looked before. Everything is gone.”
       Village store of 31 years.                                        change (in Hillsboro Village) over the years,” Shelton,
         Over three decades, the clothing, jewelry and home              72, says. “I hated to see Woolworth’s go. I hated to                                                PANGAEA >> PAGE 15

Changes good? Bad? It’s all about ‘perspective’
By Tom Wood                                            him from the front, and he says ‘that dog’s

                                                       tail always goes counter-clockwise. Can
            harm and change. Those two                 you make the dog’s tail go clockwise?’ So
            words come up often when                   I said, ‘yeah, just get on the other side of
            talking about Hillsboro Village,           the dog. It’ll be going clockwise.’
            the ever-trendy, four-block                   “So when two people look at the same
            Nashville shopping district                thing, it just depends on the perspective of
which is quickly approaching its 100th                 whether it’s going clockwise or absolutely
anniversary.                                           opposite of each other.”
   The charm has been there since Day                  Ends and beginnings
One (so I’ve read; I’m not that old).
                                                         There’s a lot of perspective these days
   And the change? Well, that term has
                                                       – and change. Good or bad? Depends
probably been attached to the Village
                                                       on who you ask. Hillsboro Village has
since Day Two.
                                                       always been a haven for local ownership,
    “Do you remember that old daytime
                                                       but that has been changing as national
(TV) show ‘As the World Turns?’ I want
                                                       companies and brands continue to invest
to call it, ‘As the Village Turns,’ says Scott
                                                       in Nashville.
Davis, owner of Davis Cookware and
                                                         “The biggest question as we go through
Coffee, chuckling about all the changes
                                                       this transition is can we continue to be
he’s seen in 50 years of working in
                                                       a place that’s a home for local businesses
Hillsboro Village.
                                                       because that’s part of what created the
   “There’s always some drama. And
                                                       charm and the atmosphere, and it’s
there’s always what I call perspective.
                                                       important to maintain that if we can,’’
   “One of the things that I say a lot lately                                                                                                                           Photo by Leigh Singleton |The Ledger
                                                       says District 18 Councilwoman Burkley
is it’s all about perspective. … I have a                                                              A group of young women braves the cold to photograph themselves before the lip-covered wall on
dog and my father-in-law is looking at                                                                 the side of the UAL Clothing store in Hillsboro Village.
                                                                                  VILLAGE >> PAGE 12
Ledger - Change and charm
JANUARY 25 – 31, 2019                                                                   www.TNLedger.com                                                                            Page 3 – Section A

$1M-plus market remains hot                                                                                                             We’ll share scooters

2018 not a record-breaker                                                                                                               We should reach

but likely better than 2019                                                                                                             out to Nashvilles
   The Nashville area had 39,514 total real
estate sales in 2018, 968 less than record-
setting 2017, marking a 2.4 percent
                                                                                                                                        in other states
decrease, Greater Nashville Realtors                                                                                                                              Some facts about Nashville that may
figures show.                                                                                                                                                 surprise you:
   That also means 2006 has maintained                                                                                                                           It used to be unofficially known
its hold on second place and remains                                                                                                                          as “Hell’s Valley,” for reasons lost to
the only year other than 2017 to have                                                                                                                         history, but that name came to be
surpassed the 40,000-sales mark. 2018                                                                                                                         thought of as inappropriate for a place
pulled in 486 sales short of the 40,000           1607 18th Avenue S.                                                                           JOE           consisting largely of Baptists.
mark and 532 less than the 2006 total.                                                                                                       ROGERS
                                                Kelly and daughter Caroline Rigsby                                                         MY TAKE               Its tornado activity is 106 percent
   And so far, it looks like 2019 is unlikely                                                                                                                 greater than the overall U.S. average.
to challenge 2017 or 2006.                      representing the 505 development and
                                                                                                                                           It will play host, on Feb. 23, to a “Good Ole Fashion
   There were only 1,867 sales pending at       brining in the sales. With 13 more upper-
                                                end 505 condos on the market, they will
                                                                                                      The power of                      Chicken and Beer Dance.”
the end of the year, signaling a substantial
drop in sales for January. There were           have a head start on the rest of the pack             information.                         Its No. 1 attraction as listed by Trip Advisor is the
                                                going into 2019.                                                                        MOO-ville Creamery, whose ice cream, one reviewer
2,471 sales pending going into January                                                                   Published weekly by
                                                                                                                                        raved, “is above average!”
2018. That marks a 24 percent drop for             With another interest rate bump or two              Westview Newspaper, LLC

                                                on  the way in 2019, inventory on the rise                                                 Last but not least, its “Opry” has “a long tradition of
this year.                                                                                          222 Second Ave. N. Suite 101        bringing the biggest entertainers in the country music
   That’s all the Andrew Terrell,                         – 10,791 at year’s end compared               Nashville, TN 37201
                                                          to 9,011 at the same time the year              (615) 254-5522                industry” to perform, but not now.
new president of the Greater                                                                            FAX: (615) 254-5525                Some of those tidbits may sound a bit off. But they’re
Nashville Realtors, needed as he                          before – look for sales to lag in
                                                          outlying areas, especially in new
                                                                                                      Monday-Friday 9 a.m.-5 p.m        neither fake news nor alternative facts. They do, however,
settles into the chair that is heating                                                                                                  refer to alternative Nashvilles located in Arkansas, Kansas,
as sales are cooling.                                     construction.                                 President & Chairman
                                                             The city has been buried in                     Peter Schutt               Illinois, Michigan and Indiana.
   Terrell comes from good stock,                                                                         Publisher & CEO                  Not to mention Nashville, Georgia, “the City of
as they say. His father, Jim, is a         RICHARD
                                                          new   construction during the past                  Eric Barnes
                                          COURTNEY        few  years.  With some of those                                               Dogwoods.”
long-time principal broker in the                                                                        Associate Publisher
                                                                                                                                           Or Nashville, Ohio, home to the annual “Guadalcanal
                                          REALTY          homes    aging,  many buyers are                & Executive Editor
area and the owner of Pilkerton            CHECK                                                              Lyle Graves               Day” patriotic event.
Realtors. The elder Terrell served                        encountering     the usual lifestyle          lgraves@TNLedger.com
                                                          changes    will be  moving. Since                                                Who knew?
on the Great Nashville Association                                                                          Planning Editor
                                                                                                                                           OK, maybe you knew. I didn’t, but in my continuing
of Realtors (GNAR) board of directors for       the  prices  have  been   on  the rise the past                Cindy Smith
                                                several  years  due  to  higher   lot costs,
                                                                                                         csmith@TNLedger.com            effort to be a better Nashvillian, it seemed incumbent to
eight years and would have been president                                                                     Contributors              find out more about the other places with which we share
if he had so desired. He chose not to           higher   material   costs –  some   even higher               Hollie Deese
                                                now   with   tariffs – and  rising  labor  costs,              Tim Ghianni              a name.
climb the ladder that was offered.                                                                            Sam Stockard                 In some cases, we share it because the other place
   Jim Terrell has been Realtor of the Year     the  homes    that  were  built  two   or three                Linda Bryant
                                                years ago can undercut the prices of new                    Jeannie Naujeck             stole it. Or, if you prefer, appropriated it. Nashville,
and served as an officer on the Realtracs                                                                       Tom Wood                Georgia, simply named itself after the same fellow, the
board of directors.                             construction.                                               Office Manager
                                                   For example, a 2,000-square-foot                          Donna Gosnell              Revolutionary War figure Gen. Francis Nash, as Our
   With that lineage in place, Andrew                                                                         Art Director              Nashville did.
Terrell is considered by many to have           home    built in 2016 could have sold for                Leigh Melton Singleton
                                                $500,000.     A newly constructed home of              lsingleton@TNLedger.com             You could certainly argue that we have a better right to
the potential to be one of the greatest                                                                    Graphic Designer             the name, since the Georgia version didn’t even exist until
presidents to serve in that office. He is       the  same   floorplan   and similar might have                 Brian Goins
                                                sold  for $550,00     in 2017 and $599,000                                              about 1840, whereas Our Nashville dates to 1779.
quoted in his first press release saying,                                                                                                  But yet another Nashville lays claim to an even earlier
“2018 proved to be one of the best              in 2018.                                                   ADVERTISING
                                                   In 2019, that home would have to sell                   Advertising deadline         pedigree.
markets in Middle Tennessee history,”                                                                         is Friday 5 p.m.             “Nashville, North Carolina, is the oldest of the 13
adding the local economy is strong and          for $650,000 for the builder to make the              Call 615.254-5522 or email
                                                same   money as he would selling it for                dchambers@TNLedger.com           Nashvilles in the United States,” according to that town’s
interest rates are low.                                                                                 for rates and information       website, which traces the town’s roots to 1777, with the
   Compared to 1981, when rates hit 18          $500,000     in 2016.
                                                   Here’s   the  rub. Those that bought for              Advertising Director           creation of – what else – surrounding Nash County.
percent, or even in the 1990s, when they                                                                   Dianna Chambers
                                                                                                                                           What’s more, it adds, “An interesting side note is that
dropped to 9 percent, rates are low.            $500,000     in 2016    can sell for $600,000          dchambers@TNLedger.com
                                                in 2019,   make    $100,000     and beat the              Business Manager
                                                                                                                                        of all of the Francis Nash towns, cities and counties’
   Only two years ago, however, buyers                                                                       Pam Capshaw                namesakes, Nashville, North Carolina, is the only one he
could lock 3.875 percent in for 30 years.       new   construction     price  by  $50,000.          pcapshaw@memphisdailynews.com
                                                                                                                                        ever visited.”
Last week, rate for a 30-year, fixed-rate       Sale of the Week                                     Foreclosure Notice Director
                                                                                                                                           Nash couldn’t very well have visited Our Nashville,
                                                                                                              Don Fancher
mortgage was 4.45 percent.                         The house at 1607 18th Avenue South                  dfancher@TNLedger.com           since he was mortally wounded in the Battle of
   Timing is everything.                        sold again last week. Some will remember                Public Notice Director          Germantown (not Our Germantown) near Philadelphia
                                                this as the residence of the beloved and                   Dianna Chambers
   Upper-end homes – $1 million or                                                                     dchambers@TNLedger.com           in 1777.
more – were the stars of 2018. When             respected Betty Nixon, who died in 2016.                                                   As to the claim of 13 Nashvilles, well …
                                                                                                      Public Notice Department
the ball dropped on New Year’s Eve,             Nixon was the first woman elected to                        Teresa Mullally                “Nine is all I’ve been able to find,” says Donald Street,
Davidson County had totaled 391 sales of        Metro Council and the first woman to                      Sandy Youngblood
                                                                                                                                        12-year mayor of Nashville, North Carolina. But, he
                                                                                                              Laurie Beck
$1 million or more for the year compared        run for Mayor.                                                                          cautioned, “I’m a recent arrival. I’ve only been here 45
to the 347 the previous year, according to         Her residence sold for $1.3 million               The Ledger is a general interest
                                                                                                      newspaper covering business,
Realtracs.                                      in 2016, and the new owner spared no                law and development throughout         “Around here, if you haven’t been here three
   Condos did ever better with 25 closings      expense in renovating the home, restoring                  the Nashville area.
                                                                                                                                        generations, you’re a recent arrival.”
of $1 million-plus in 2018 compared to          the hard-carved mantel and reworking                         The Ledger’s
                                                                                                                                           That Nashville shares a booming growth rate with Our
                                                                                                        predecessor, Westview,
17 the year prior.                              the “quarter-sawn oak floors,” restoring                 was founded in 1978.           Nashville. Since 1990, the population is up more than
   Tony Giarratana’s 505 tower tallied 16       the windows and adding three new                          Visit us online at            50 percent – to about 5,900. Street describes it as “quiet,
of those sales, so without it, things would     HVAC units. Additionally, he updated                     www.TNLedger.com
                                                                                                                                        friendly.” And “a good place to live, work and play.”
have been different. But as Michelle            the kitchen with a 48-inch Wolf stove                     Follow us on Twitter
                                                                                                                                           I propose that we form some sort of alliance with those
Maldonado, the queen of upper-end               and a Sub-Zero refrigerator. He added a                                                 Other Nashvilles.
condo sales has long stated: “If they build     400-amp electrical service, and a tankless                                                 As it is now, Nashville has ties through an international
them, they will sell.”                          water heater.                                                                           program with eight official sister cities: Belfast, Northern
   Her throne and crown are in jeopardy            To go along with the 6,382-square-
with the mother-daughter team of Yvonne                                   REALTY CHECK >> PAGE 4                                                                                NASHVILLE >> PAGE 20
Ledger - Change and charm
Section A - Page 4                                                                   www.TNLedger.com                                                                     JANUARY 25 – 31, 2019

Good ideas for any economic conditions

There’s always a next recession, so here’s how to prepare
                        Recessions are like     insurance and minimum loan payments.             and building up such a stash can take            five years, now is the time to move it to a
                     natural disasters:           Limiting essential expenses ensures you        years.                                           lower-risk investment such as a short-term
                     They’re inevitable, but    have room to pay off the past, save for             In the meantime, it’s smart to set up         bond fund or cash.
                     smart preparation may      the future and have a little fun. Capping        access to additional credit that you can tap        You should be able to leave any stock
                     reduce the impact on       them also helps during bad economic              if you lose your job or face other financial     market investments alone for at least five
                     you.                       times, when you may need to sharply              setbacks. If you own your home, you may          years and preferably 10, so your portfolio
     WESTON             The U.S. economy        reduce your spending because of job loss         be able to set up a home equity line of          has time to recover from downturns.
 PERSONAL            has grown steadily         or reduced hours.                                credit or replace your current line with            Now is also a good time to rebalance
   FINANCE           since emerging from        Protect your credit scores                       one that has a higher limit. Having a few        your portfolio to your target mix of
                     the “Great Recession”         Lenders often get pickier during              credit cards can help as well.                   stocks, bonds and cash. The long bull
                     in June 2009, but          recessions. They may freeze lines of credit,        The key to the strategy is to keep these      market means that you may have too
expansions can’t continue forever, and          close credit card accounts and make new          lines open and unused. (You’ll need to           much money in stocks, which leaves
this one is already the second-longest on       loans harder to get.                             make a few small charges to keep the             you more vulnerable to drops. If you’re
record. Only the expansion from March              People with good credit scores tend           credit cards active, but you should pay the      not in the habit of rebalancing at least
1991 to March 2001 lasted longer.               to fare better when lenders get choosy.          balances in full each month.) If you have        once a year, consider using a target-date
  Recessions occur when growth stops            Lenders need to stay in business, after all,     credit card debt, focus on paying that           retirement fund, a lifestyle fund or a robo-
and the economy starts to shrink. They          so when delinquencies and defaults rise          down since you’ll free up available credit       advisor, which all take care of that chore
vary in severity and length, but often jobs     they want to cultivate customers who are         and save money on interest.                      automatically.
disappear, incomes decline and lenders          most likely to pay them back.                       But don’t rush to pay off student                There won’t be tax consequences for
make it harder to qualify for credit.              Because high scores suggest you’ll pay as     loans or mortgages, especially if you have       these moves if you’re investing inside a
  Knowing what may be coming can help           agreed, protecting your scores is essential.     higher-rate debt or a paltry emergency           tax-deferred account, such as an IRA or
you fortify your finances to withstand a        That means paying all your bills on time,        fund. Your extra principal payments              401(k). Before making moves in a taxable
possible slowdown. Here are some steps to       using only a small amount of your credit         typically won’t reduce your required             account, consult a tax pro.
consider.                                       limits, keeping old credit card accounts         monthly payment, and you can’t get                  All of these steps make sense regardless
Reduce your ‘must haves’                        open and being selective about opening           that money back if you need cash in an           of what happens with the economy.
   The 50/30/20 budget suggests limiting        new accounts.                                    emergency. Although being debt-free is           Taking them now can help you better
your must-have expenses to 50 percent                                                            a good goal, in a recession it can be more       handle whatever comes next.
                                                Increase your financial flexibility              important to have financial flexibility.
of your after-tax income, with 30 percent         Ideally, everyone would have an
allocated to wants and 20 percent to debt                                                        Update your investments                             Liz Weston is a columnist at NerdWallet,
                                                emergency fund equal to at least three                                                            a certified financial planner and author
payment and savings. Must-haves include         months’ worth of expenses. But most                If your stock market investments
shelter, transportation, food, utilities,                                                        include money you’ll need in the next            of “Your Credit Score.” Email: lweston@
                                                people don’t have nearly that much saved,                                                         nerdwallet.com. Twitter: @lizweston.

                                                                                                                                                  rium, 301 6th Ave. North.
 Calendar                                                                                                         EDITOR@TNLEDGER.COM
                                                                                                                                                  MONDAY, FEB. 11
                                                                                                                                                  REIN Event
THROUGH JAN. 27                                 mation: https://antiquesandgardenshow.           ment opportunities from Chamber staff, as
Nashville Originals Restaurant Week             com/schedule/                                    well as how your business plays a role in        Explode Your Profits with Lease Options.
                                                                                                 the Chamber’s mission of creating region-        Discover how lease options give you more
Enjoy a week of special discounts at dozens
                                                SATURDAY, FEB. 2                                                                                  ways to turn a profit with real estate. Loca-
of restaurants throughout the city. Most                                                         al economic prosperity. Nashville Area
                                                First Saturday Art Crawl                         Chamber of Commerce, 211 Commerce                tion to be announced, register for event to
restaurants offer two-or three-course
                                                Art galleries throughout downtown host re-       Street, Suite 100. 8 a.m. registration, 8:20     receive address. Fee: $35 and up. Informa-
meals during lunch or dinner from $10-$30.
                                                ceptions and art openings, presenting local      a.m. program. Fee: complimentary to new          tion: www.reintn.org/
Information: https://nashvilleoriginals.com/
nashville-restaurant-week                       and world-renowned artists and artwork.          Chamber members. Breakfast provided.             TUESDAY, FEB. 12
                                                The galleries offer rare opportunities to view   Registration required. Information: http://      Chamber South Quarterly Meeting
TUESDAY, JAN. 29                                diverse exhibitions featuring every genre of     web.nashvillechamber.com/events/Mem-
Inclusion & Diversity Luncheon                  art. Admission: Free. Most galleries serve                                                        Non-profits embody some of the best
                                                free wine and other refreshments. 6-9 p.m.                                                        values, create call to-actions and play a vital
A workshop designed to celebrate the
                                                Information: www.nashvilledowntown.com/          SATURDAY, FEB. 9                                 role in building healthy communities locally
cultural, ethnic and sexual backgrounds,
                                                play/first-saturday-art-crawl                    Watertown is for Lovers Event                    and nationally. Chamber South will highlight
workplace qualifications and experience
                                                                                                 The Watertown is For Lovers event will           various non-profits by hosting a non-prof-
differences in social and political view-
                                                SUNDAY, FEB. 3                                                                                    it showcase. Participating organizations
points. Learn how to create a workplace                                                          include free vow renewals with certificates,
                                                Stones River Region, AACA Swap Meet              keepsake photos, wine tasting with choc-         will give 30-second elevator pitches on who
environment that places value on treating all
                                                The 31st annual swap meet at the Nashville       olate tasting, craft sessions, boutiques for     they are, what they do and how you can be-
employees as individuals, fairly and without
                                                Fairgrounds, 625 Smith Avenue. 6:30 a.m.-3       shopping, art galleries to peruse and local      come involved. Come network, support your
bias. 11:30 a.m.-1 p.m. Columbia State
                                                p.m. Fee: $7 donations, Kids under 12 free.      eateries to enjoy. Additional event options      local non-profits and get educated on ways
Community College, Community Room,
                                                Parking: $5. Information: www.stonesriver-       include Valentine Murder Mystery Train and       to become engaged. Habitat for Humanity
Building A, 1228 Liberty Pike, Franklin. Fee:
                                                carclub.com/swapmeet.html                        Dinner Show. Information: www.visitwilco.        of Greater Nashville, 414 Harding Place,
Free. Information: https://cmdev.williamson-
                                                                                                 com/events-list/watertown-is-for-lovers          Suite 100, Nashville, 37211. 8-9:30 a.m.
chamber.com/events/details/inclusion-diver-     TUESDAY, FEB. 5                                                                                   Information: http://web.nashvillechamber.
                                                Williamson, Inc. Day on the Hill                 SUNDAY, FEB. 10                                  com/events/Chamber-South-Quarterly-Meet-
Gallatin Chamber Networking Power Lunch         Get a look behind the curtain of state gov-      A Conversation with Bob Woodward                 ing-2381/details
American Job Center, 1598 Green Lea             ernment from the Williamson County del-          The longtime Washington Post’s 46 years of
Blvd. 11:30 a.m.-12:30 p.m. Registration        egation and Williamson, Inc.’s Directory of      reporting and Washington connections give
required. Information: www.gallatintn.org/      Government Affairs Kel McDowell. 6:45-11         him a unique insight to what’s really going            Readers are invited to submit
programs-events/calendar-of-events              a.m. Tennessee State Capitol, 600 Charlotte      on in Washington, and offers audience’s
                                                Ave., Fee: Members $85, Nonmembers                                                                      Community Calendar items to
                                                                                                 answers to some of today’s most important
FRIDAY, FEB. 1                                  $100. Information: www.williamsoncham-                                                                    editor@TNLedger.com.
                                                                                                 questions that no other source can provide.
First Friday: Your Small Business Resource      ber.com/day-on-the-hill                          Fee: $39.50+. 7 p.m., War Memorial Audito-
Market Like a Pro: Marketing Lessons from
                                                WEDNESDAY, FEB. 6
the Nashville Predators. E|Spaces, 1550 W.
McEwen Drive, Suite 300. 7:30-9 a.m. Free.      Chamber East Networking Coffee
Information: https://members.williamson-        Join business and community leaders in            >> REALTY CHECK                From page 3     represented the buyer in the transaction
chamber.com/events/details/first-friday-your-   East Nashville for Chamber East monthly                                                           for history-filled home in the shadow of
small-business-resource-355916                  networking coffee and community up-              foot home, he sold the adjacent lot along        the Adelicia, the condominium project
                                                date. Inglewood Elementary School, 1700          with the house for the tidy sum of $2.9
FEB. 1-3                                        Riverside Drive. 8:15-9:30 a.m. Registration                                                      where Beth led the sales efforts for the
Antiques & Garden Show                          is requested. Fee: Free. Information: http://
                                                                                                 million. The lot is actually a triple lot, but   wildly successful project.
This year’s theme, “A Passion for Home,”        web.nashvillechamber.com/events/Cham-            the seller only mentioned the availability
will feature top-notch speakers like Gram-      ber-East-Networking-Coffee-2350/details          of one. Dave Havercamp of Crye-Leike               Richard Courtney is a licensed real estate
my winner Faith Hill, interior designed Ray                                                      was the listing agent and a person of the        broker with Fridrich and Clark Realty and
                                                THURSDAY, FEB. 7
Booth, and architect Bobby McAlpine and                                                          same name is listed as the owner/seller.
many other experts. Fee: $20 until Jan. 27,     Member Orientation                                                                                can be reached at richard@richardcourtney.
                                                Learn about member benefits and involve-           Beth Molteni, an industry leader,              com.
and $25, 65+, $5. Music City Center. Infor-
Ledger - Change and charm
JANUARY 25 – 31, 2019                                                                          www.TNLedger.com                                                                                    Page 5 – Section A

                                      Money&MarketsExtra                                                                                                                       FROM THE ASSOCIATED PRESS

                                  Call Cigna a health insurer, and CEO        How will that affect the average              service, better outcome, and the               incenting a gym membership.
                                 David Cordani will try to correct you.       patient’s care?                               practicing physicians are rewarded             Is there a risk here of the insurer
 Can insurers                       He doesn’t consider the company a
                                 pharmacy benefit manager either,
                                                                                 You could more effectively predict
                                                                              health issues before they transpire.
                                                                                                                            more meaningfully. The combined
                                                                                                                            company will be able to expand and
                                                                                                                                                                           encroaching on the doctor’s turf,
                                                                                                                                                                           deciding what care is best for the
 care for you?                   even though Cigna just spent roughly
                                 $52 billion on one of the country’s
                                                                              You can predict in many cases a heart
                                                                              attack ... a high-risk maternity event,
                                                                                                                            deepen those relationships signifi-
                                                                                                                            cantly. Those that are creating the
                                                                                                                                                                              We don’t seek to own the
                                 biggest prescription processors,             and then seek to engage with the              most value get rewarded more, and
                                                                                                                                                                           physicians. Our number one strategic
                                 Express Scripts.                             physician and with the individual to          the consumer benefits by getting more
                                                                                                                                                                           imperative is to be the undisputed
                                    The 52-year-old executive sees            effect lifestyle, behavior or in some         personalized, higher-quality care.
                                                                                                                                                                           partner of choice. While that risk
                                 Cigna as a “health service                        cases augment that with medica-          You talk about working with health             exists, we need to acknowledge it but
                                 company.” That bulky label                          tions.                                 coaches and case managers to help
                                 reflects insurers’ growing           Insider          You want to use this deal to         people. How would that work?
                                                                                                                                                                           make sure our actions reinforce that
                                                                                                                                                                           we’re trying to lock arms and enable.
                                 interest in managing care
                                 and keeping customers                Q&A              expand what’s called
                                                                                       value-based care, which shifts
                                                                                                                               It’s lifestyle and physical activity.
                                                                                                                            Figuring out creative ways to get the
                                                                                                                                                                           In some of our larger collaborative
                                                                                                                                                                           relationships, we employ and pay for
                                 healthy instead of just waiting        By Tom
                                                                        Murphy       the financial focus to how a           right physical activity that works for         health advisers, health coaches,
                                 to handle bills after they
                                                                                  patient   does instead of on what         somebody to give them cardiovascular           nurses and will embed them in the
                                 become sick.
  David Cordani                     Cordani spoke about this shift and        kind of treatment they receive. Why           health is a life-changing event. But it’s      physician’s office at the discretion and
  CEO, Cigna                                                                  is this shift so important?                   got to be done in a way that works             direction of the physician. We don’t
                                 other topics.
                                                                                 Everybody benefits, starting with          based on an individual’s lifestyle as          tell them they have to, we offer it as a
                                 One of the benefits from acquiring                                                         opposed to the old archaic ways of             service.
                                                                              the consumer: Better quality, better
                                 Express Scripts is more patient data.

 Need hospital care or tests? Try getting cost estimates first                                                                                             Wireless & Cashless
 By Linda A. Johnson                           said some hospitals already have online          www.clearhealthcosts.com works with
 AP Medical Writer                             tools letting patients enter their               newspapers and TV newsrooms in a
     Want to know how much your
 hospital is going to charge for that knee
                                               insurance information to get estimated
                                                                                                dozen metropolitan areas and is adding
                                                                                                more, says founder Jeanne Pinder. They             Piggy banks for kids in
     U.S. hospitals are now required
                                                  Some major insurers, states and
                                                  other groups also have online cost
                                                      estimators. Accuracy varies;
                                                                                                build databases of hospital and
                                                                                                outpatient clinic prices by calling and
                                                                                                asking what they charge patients paying
                                                                                                                                                       cashless times
 to post list prices for medical
 services online, under federal                         Consumer Reports reviewed               cash, a helpful benchmark. Pinder said
 rules meant to help patients
 find affordable care and avoid
                                     Money               some of the sites
                                                          (link:bit.ly/2RtBN8V ).
                                                                                                paying cash can sometimes be cheaper
                                                                                                than the out-of-pocket costs with
 hefty surprise bills. The
 spreadsheets, often thousands
                                     Matters                  Medicare patients can look
                                                         up estimated costs for
                                                                                                insurance. The site lists what Medicare
                                                                                                reimburses for procedures by zip code,
 of lines long, will leave many                        outpatient procedures.                   another good measuring stick. It also
 patients overwhelmed. Procedures                  What to look for                             lets patients post what they paid at
 are described in medical jargon and              If you need surgery, tests or other           specific hospitals.
 abbreviations. That’s if you can find the     hospital services, experts advise price          When you get the bill
 lists.                                        shopping. Call your insurer and check               “It’s very complicated and difficult for
     “The information is not user-friendly,”   charges at multiple hospitals.                   people to get a complete picture of what
 says AARP’s David Certner.                       • Get the exact description of the            their costs will be” in advance, says
 What is posted online                         test or procedure from your doctor and           Consumer Reports health care policy
     Most hospitals list standard charges      the billing codes, usually a DRG code            expert Dena Mendelsohn. That’s partly
 which are far above the prices                for a bundle of related services or              because complications can occur and                By Jona Kallgren                 head of education for the
 negotiated by insurance companies.            multiple CPT codes for treatment                 services can vary from estimates.                  Associated Press                 startup, showcased the
 But the posted charges for a surgery,         components. Ask if care can be                                                                                                       hand-held digital piggy
                                                                                                                                                      How do you teach
 for example, don’t include separate           provided as an outpatient, which is                 Her advice:                                                                      bank at this month’s CES
                                                                                                                                                   children the value of
 things like room rates for overnight          normally cheaper.                                   • Keep records of all cost informa-                                              gadget show in Las
                                                                                                                                                   money when there is no
 stays. They don’t include fees for every         • Check with your insurer to see if           tion provided by your insurer and                                                   Vegas. She says the idea
                                                                                                                                                   cash around?
 doctor involved in a patient’s                you need preauthorization and confirm            hospital staff. If possible, get it in                                              is to enable children to
                                                                                                                                                      Pigzbe is offering an
 treatment. And doctors outside a              the hospitals and doctors are in                 writing, in case of problems.                                                       experience the tangibility
                                                                                                                                                   electronic cash device
 patient’s insurance network could send        network. That can change with insurers’             • Get an itemized bill. Before paying,                                           of money.
                                                                                                                                                   with a digital currency
 big bills separately.                         contracts each January, and online               check your insurer’s explanation of                                                    Trouble comes when
                                                                                                                                                   called Wollo. The pink
     Certner said many people will find it     directories can be out of date.                  benefits and confirm you received every                                             your kid tries to spend
                                                                                                                                                   device, which resembles
 hard to compare hospitals because they           • Ask the hospital what it will charge        service listed.                                                                     Wollo at a store. The
                                                                                                                                                   a phone without the
 use different formats to list charges.        for the procedure, each doctor or other             • If you’re charged far more than was                                            currency needs to be
                                                                                                                                                   screen, connects to an
     Seema Verma, administrator of the         provider’s services, medications,                estimated, appeal to the hospital and                                               connected to a card to
                                                                                                                                                   app that explains how
 U.S. Centers for Medicare and Medicaid        supplies, daily room rates and the               insurer to adjust your bill. If you don’t                                           spend as real money in
                                                                                                                                                   money is earned and
 Services, recently called the postings a      facilities fee, which can be charged             get results, contact your state’s                                                   the real world.
                                                                                                                                                   spent. Parents can set
 first step to increase transparency           even for services off the hospital               insurance regulator.                               tasks that children                 And to get Pigzbe,
 about health care costs. The rule went        campus.                                                                                             complete to receive              parents also have to fork
 into effect Jan. 1.                              • Ask your insurer what it will               Follow AP Medical Writer                           Wollo currency.                  out some real money —
     The lists don’t show the out-of-pocket    reimburse for all those charges and              Linda A. Johnson on Twitter at                        Giorgia Migliaresi,           $99.
 costs most patients face, which vary          what your estimated costs will be.
 depending on their insurance. Verma              The website

  Off the                 Thirsty for growth, beer makers push into cannabis market                                                                                                                by Damian J. Troise
                                                                                                                                                                                                          Jenni Sohn

  Charts                 The makers of Budweiser,
                      Coors and other large-scale
                                                            Big Beer’s revenue stuck in neutral
                                                               The world’s largest breweries have seen little
                                                                                                                         Beer sales volume remains flat
                                                                                                                          The beer industry continues to face a
                                                                                                                                                                        Beer volume falls behind
                                                                                                                                                                        overall alcoholic beverages
                   brewers are placing their bets on                                                                      stagnant market, with beer sales
                                                            revenue growth over the last two years as they face                                                         Beer sales volume lagged overall
                cannabis as a way to fight saturated                                                                      volumes barely budging over the last
                                                            increasingly saturated markets.                                                                             alcoholic beverages over the last
  markets and shifting consumer trends.                                                                                   few years.
     For years, the industry’s largest players have        $15,000                                                                                                      five years as companies face
  struggled with stagnating markets and shifting            million                                                     200,000                                         shifting consumer trends.
  consumer tastes by buying up fast-growing craft                                                      AB Inbev          Barrels                                             0.5%
  brews.                                                                                                                                                                                        Global Alcohol
     “This seems to be running out of steam now,”                                                                                                                                               Drinks and Beer
                                                             9,000                                                                                                                              volume sale
  said Spiros Malandrakis, head of alcoholic drinks at
  market research provider Euromonitor International.                                                                                                                                           percentage changes
     The larger players are fighting back by pushing         6,000                                                                                                                              2012-2017
  into the cannabis industry as a potential engine for
  future growth. Anheuser-Busch is partnering with                                                Molson Coors           50,000                                               0.0
  medicinal cannabis maker Tilray Inc. and Molson
                                                             3,000                                                                                                                  Alcoholic
  Coors holds a 57.5 percent stake in Truss, which is                                             Constellation
  a joint venture with HEXO.                                     0                                                            0
     Constellation Brands says the “emerging                           1Q    2Q     3Q    4Q     1Q 2Q 3Q                            2016              2017
  cannabis space represents one of the most                                    2017                    2018                  On-Premise: restaurants, bars, concessions
  significant global growth opportunities of the next                                                                        Off-Premise: grocery stores, liquor/package                            Beer
                                                            Sources: Company reports; The Beer Institute; Euromonitor                                                        -0.5
  decade and frankly our life time.”                                                                                         stores and other retail outlets
Ledger - Change and charm
Section A - Page 6                                                                         www.TNLedger.com                                                                        JANUARY 25 – 31, 2019

                                                                                                          In the role overseeing the newly estab-            Harris brings more than 25 years of finan-
 Newsmakers                                                        EDITOR@TNLEDGER.COM                lished Office of Health Equity, Wilkins will con-   cial services experience to the position. Most
                                                                                                       nect existing community health and health           recently, she was a senior client advisor of
                                                                                                       equity initiatives from across the organization     working capital strategies at Regions Bank.
Polly is chair of 2019                               strategic lending and real estate. He earned
                                                     a J.D. from Chicago-Kent College of Law and       while scaling system-wide efforts to identify
Campaign for Equal Justice                           a B.S.E. from Princeton University.               and address disparities in health.                  Truxton Trust adds veteran
                          Erin Palmer Polly, an
                                                                              Laura M. Mallory,
                                                                            associate, represents
                                                                                                         Prior to joining the faculty of both VUSM
                                                                                                       and Meharry Medical College in 2012,                wealth advisor Buckner
                       attorney at Butler Snow
                                                                            employers in all aspects   Wilkins served in a variety of roles of increas-                            Truxton Trust has
                       LLP in Nashville and im-
                                                                            of labor and employment    ing responsibility at Washington University                              hired M. Shannon
                       mediate past president
                                                                            law advising companies     School of Medicine where she was an asso-                                Buckner, CFP, CTFA, as
                       of the Nashville Bar
                                                                            on a variety of em-        ciate professor of medicine in geriatrics and                            senior vice president
                       Association, will serve
                                                                            ployment matters and       nutritional science, psychiatry and surgery.                             and senior wealth advi-
                       as the chair for its 2019
                                                                            providing counsel on          There, she was a clinical investigator in                             sor, adding more than
                       Campaign for Equal Jus-
                                                                            compliance with state      Washington University’s Alzheimer’s Disease                              24 years of experience.
                       tice, an annual initiative
                                                                            and federal employ-        Research Center and was also involved in                                 Buckner previously was
                       that raises funds for
                                                     Mallory                ment laws, hiring and      a range of community and public health                                   with SunTrust Bank
Polly                  the Legal Aid Society of
                                                                            termination policies,      initiatives including founding the Center for                            Private Wealth Manage-
                       Middle Tennessee and
                                                     drug testing, and other employment related        Community Health and Partnerships.                  Buckner              ment, where he served
the Cumberlands.
                                                     issues. She previously practiced in the Nash-                                                                              as trust advisor and first
  The campaign, held annually since 1987,
will launch in March with a goal of $830,000.
                                                     ville office of King & Ballow and in New Jersey
                                                     at the law offices of Weiner Lesniak LLP.
                                                                                                       Asurion promotes Curling                            vice president.
                                                                                                                                                             He has earned degrees from Freed-Har-
   Polly has been a member of Butler Snow’s          She earned a J.D. from Seton Hall University      to chief information officer                        deman University, Belmont University and
commercial litigation group since 2015, with         School of Law and a BGS from the University                                                           the American Bankers Association Trust
                                                     of Michigan.                                                              Asurion has an-
an emphasis in commercial litigation, civil                                                                                                                Graduate School. He is a past board member
                                                                                                                             nounced the promotion
rights, professional liability and general litiga-                           Olivia Seraphim,                                                              of the Financial Planning Association of
                                                                                                                             of Daniel Curling to
tion. Before joining Butler Snow, Polly spent                             associate, Washington,                                                           Middle Tennessee and member of the Middle
                                                                                                                             senior vice president
13 years as a partner at Nashville law firm                               D.C., health care clients                                                        Tennessee Estate Planning Council.
                                                                                                                             and chief information
Walker, Tipps & Malone.                                                   in government actions,                             officer.
  Polly is a graduate of the University of                                investigations and
                                                                          related litigation arising                           As CIO, Curling over-
Tennessee College of Law, where she was
                                                                          from fraud and abuse                               sees a team of more
president of the Student Bar Association and
                                                                          allegations brought                                than 900 employees
received the dean’s citation for extraordinary
                                                                          under the False Claims                             who are responsible for
service to the College of Law. Before law                                                              Curling
                                                                          Act (FCA), Anti-Kickback                           Asurion’s core tech-
school, she earned a degree in political sci-
                                                                          Statute (AKS), the Stark                           nology operations and
ence and government from Maryville College.          Seraphim
                                                                          Law, Medicare and            security behind Asurion’s tech care products
                                                                                                       which help make people’s lives easier by
Bass, Berry & Sims adds                              Medicaid reimbursement rules, and various
                                                                                                       unlocking the potential of their technology
                                                     other federal and state healthcare statutes
5 attorneys to the firm                              and regulations. She earned a J.D. from The       through delightfully simple, actually helpful
                                                                                                       support and guidance.
                                                                                                                                                           Helton                Howard
                                                     George Washington University Law School
  Bass, Berry & Sims has hired five attor-
                                                     and a B.A. from the University of California,       He will report directly to Asurion COO Barry
neys to the firm, four in Nashville and one in
                                                     Santa Cruz.                                       Vandevier.
Washington, D.C.
                                                                                                         Curling is a five-year veteran of Asurion
                        Noah R. Black,
                     associate, assists
                                                     Poole honored by                                  where he has been responsible for the
                                                                                                       company’s Enterprise Technology Services.
                     clients with the design,        Nashville Bar Journal                             Before joining Asurion, Curling spent nearly
                     implementation and ad-
                                                                             Lauren Poole, an as-      10 years in senior leadership roles at Sabre
                     ministration of qualified
                                                                          sociate attorney at Tay-     Hospitality Solutions and Travelocity, where
                     benefit plans, health and
                                                                          lor, Pigue, Marchetti and    his accomplishments included delivering
                     welfare benefit plans,                                                                                                                Jones                Schneider
                                                                          Blair PLLC, has been         major platform and software upgrades, cloud
                     and deferred compen-
                     sation packages. He                                  named 2018 Nashville         migrations, and streamlining organizations
                                                                                                       and improving operations performance.
                                                                                                                                                           Messer Construction
                                                                          Bar Journal Contributor
                     previously worked with
                     the U.S. Department of                               of the Year.                   Curling holds a degree in MIS from Texas          promotes 4 employees
                     Labor in the Employee                                    The award recognizes     A&M University and attended the Darden                Messer Construction Co. has promoted
Benefits Security Administration. He earned a                               a Nashville Bar Journal    Leadership for Extraordinary Performance            Brian Howard, Tom Jones and Mike Schnei-
J.D. from Cornell Law School and a B.A. from                                committee member who       program at the University of Virginia.              der all to senior project executive and Josh
Rhodes College.                                      Poole                  went beyond the call                                                           Helton to senior virtual construction manager.
                      Nicholas D. Gaffney,                                  of duty to ensure the      Fifth Third Bank hires                                 Josh Helton joined Messer in 2013 after
                                                     success of the publication. Poole, who was
                   associate, represents
                   clients in the areas of           recently named co-chair of the Nashville Bar      senior commercial exec.                             earning his associate’s degree in civil engi-
                                                                                                                                                           neering technologies and bachelor’s degree
                   estate planning, taxa-            Journal Editorial Committee, practices civil                               Fifth Third Bank has       in applied science in architectural engineering
                   tion, business planning,          litigation, including bankruptcy and creditors’                         hired David Briggs as         technology from the University of Cincinnati.
                   and estate and trust              rights at tpmbLAW.                                                      a senior vice president
                                                                                                                                                             Howard is a graduate of the University of
                   administration. Gaffney             Poole earned degrees in political science                             and commercial middle
                                                                                                                                                           Kentucky with a degree in civil engineering,
                   earned an LL.M. in taxa-          and studio art from the University of Ten-                              market senior banker in
                                                                                                                                                           Howard joined Messer full-time in 2000 after
                   tion from the University          nessee, Knoxville. She earned her J.D. from                             Tennessee. In this role,
                                                                                                                                                           working as a co-op for three years. He has
                   of Florida, a J.D. from           Belmont University College of Law.                                      Briggs will be responsi-
                                                                                                                                                           been based in Nashville since 2008.
Gaffney            the University of Florida                                                                                 ble for leading a team of
                   Levin College of Law and          Wilkins named VP                                                        13 commercial middle
                                                                                                                             market relationship
                                                                                                                                                             Howard has volunteered on the advisory
                                                                                                                                                           board with the Academies of Nashville Public
a B.A. from DePauw University.
                         Ryan A. Lee, coun-          for Health Equity                                 Briggs                managers.                     Schools for the past seven years and is an
                                                                                                                                                           active member of AGC of Middle Tennessee.
                      sel, advises clients in                                 Consuelo Wilkins,                                 Briggs has held a va-
                                                                                                       riety of leadership roles at banks in Nashville        Jones joined Messer in 2002 after obtain-
                      various construction-re-                             M.D., MSCI, associate
                                                                                                       which include market president of Capital           ing a degree in civil engineering from the
                      lated litigation matters,                            professor of Medicine
                                                                                                       Bank, area executive of Bank of America and         University of Kentucky and has been based
                      such as disputes related                             and executive director
                                                                                                       market executive of US Bank and Trust. He           in Nashville since 2009. Jones’ building
                      to contractor licensing,                             of the Meharry-Vander-
                                                                                                       brings more than 25 years of experience in          experience is diverse and includes higher
                      design and construction                              bilt Alliance, has been
                                                                                                       commercial, wealth management, business             education, health care, senior living, public,
                      defects, mechanics’                                  named to the newly
                                                                                                       and consumer banking. Briggs most recently          and transportation facilities.
                      and materialmen’s                                    created positions of
                      liens, and Prompt Pay                                vice president for health   was the commercial real estate and corpo-             Schneider began his career with Messer
                      Act and other payment                                equity at Vanderbilt Uni-   rate banking executive of First Tennessee           as a co-op in 2002 after graduating from the
                      issues. He previously                                versity Medical Center      Bank.                                               University of Kentucky with a degree in civil
worked at the Tennessee Attorney General’s                                 and associate dean for        Fifth Third Bank also has hired Caroline          engineering. Upon completion of his master’s
Office as an assistant attorney general in the       health equity with the Vanderbilt University      Harris as a vice president and treasury             degree in civil engineering the following year,
Financial Division where he handled complex          School of Medicine.                               management area manager for Tennessee               he returned to Messer full time.
public finance and investment transactions             As Wilkins assumes these new roles, the         and Georgia. In this role, Harris will oversee
including serving as regulatory counsel for          Meharry-Vanderbilt Alliance will continue to      a team of treasury management officers who                 Readers are invited to submit
the state of Tennessee’s retirement systems          report to her. A new executive director will be   provide customized strategies to effectively                  newsmaker items to
alternative investments in private equity,                                                             managed client’s working capital.
                                                     recruited to lead the Alliance.                                                                                editor@TNLedger.com.
Ledger - Change and charm
JANUARY 25 – 31, 2019                                                              www.TNLedger.com                                                                          Page 7 – Section A

                                                                                               remains a predominantly manual and                the area, but it also allows us to further
 News briefs                                         FROM AP AND OTHER SOURCES                tedious process in which coding specialists       expand our manufacturing capabilities
                                                                                               review records for unreported risk                and meet the growing needs of the
                                                inspired us to develop a brand that better
Adams and Reese                                 tells our story,” says CereCore president
                                                                                               conditions.                                       Nashville market.”
                                                                                                  By leveraging Health Fidelity’s NLP               The new facility plans an initial hire of
consolidates offices                            and CEO, Curtis Watkins. “While our            technology, coders will be better able to         twenty manufacturing employees, and
   Adams and Reese has announced the            operations will remain unchanged, our          prioritize and review charts with greater         is comprised of a 30,000-square-foot
consolidation of its Nashville operations       new brand accurately reflects our core         accuracy and compliance.                          assembly area, along with several acres
in the firm’s downtown location.                values, attributes, and mission.”                 “Risk adjustment requires a high level         designated for product storage and a rail
   After its longtime building on Music            Adds Phil Sobol, vice president of          of clinical data acquisition and careful          spur on site with a loading dock.
Row was sold, Adams and Reese’s Music           marketing and sales, “The decision to          analysis of millions of medical records              While the new Clarksville plant will
Row attorneys have moved to the firm’s          embark on a rebranding project was             to assign the proper diagnosis code to            be initially set up to carry out wood
Nashville office at Fifth Third Center,         deliberate. Our goal was to better position    claims,” says Doug Duskin, senior vice            packaging products assembly, it will also
424 Church Street, joining a group of           ourselves in the market and to more            president and general manager, clinical           serve as a warehousing and cross docking
more than 30 attorneys and government           accurately represent the impact that our       review, Change Healthcare.                        location for break bulk, and offer 3PL
relations professionals in that location.       team has in the healthcare industry.”             “Health Fidelity’s NLP engine has              services for JIT delivery.
   “This is the end of an era for Adams and                                                    demonstrated very high sensitivity
Reese on Music Row, and we’re saddened          CM buys Sailthru,                              in identifying ICD and HCC codes,                 Captain D’s expands
to say goodbye to a location we truly           Liveclicker                                    enabling their clients to realize a 20-30
                                                                                                                                                 with franchise pact
loved,” said Lynn Morrow, who served                                                           percent increase in risk capture. This
                                                   CM Group, headquartered in                                                                       Captain D’s, based in Nashville has
as the partner in charge for Adams and                                                         added capability is exciting as we expect
                                                Nashville, has announced it has acquired                                                         announced the company has signed a
Reese’s Music Row office. “While we wish                                                       it will lead to better gap closure and
                                                Sailthru and Liveclicker.                                                                        franchise development agreement with
we could have remained housed in this                                                          improved quality of care and outcomes for
                                                   CM is a family of marketing technology                                                        Chris Benner and Ed Stokes of Trident
part of the historic community, we were                                                        members.”
                                                companies including Campaign Monitor,                                                            Holdings LLC.
forced to make a change following the
sale of our building. It created an exciting
                                                Delivra and Emma.
                                                   The acquisitions add nearly $60 million
                                                                                               Churchill launches                                   The agreement adds eight corporate-
opportunity for us to join our colleagues                                                                                                        owned Captain D’s locations in
just blocks away, and the move allows
                                                in revenue and 540 new customers,              ‘Rate Secured’ plan                               Mississippi and will be developing 10
                                                including Bloomberg, Samsung and                  Brentwood-based Churchill Mortgage             new Captain D’s throughout the state, as
us to better collaborate with the entire
                                                Fashion Nova.                                  has announced the launch of its “Rate             well as in key Southeast target markets,
Adams and Reese team in Nashville.”
                                                   Sailthru, a cross-channel experience        Secured” program.                                 including Louisiana and Georgia, over the
                                                management platform, and Liveclicker, a
Hall of Fame spotlights                         provider of real-time email personalization
                                                                                                  The plan locks eligible borrowers into         next several years.
                                                                                               an interest rate for 90-days after engaging          Trident Holdings LLC signed its
music of recent past                            solutions for marketers, bring easy to use,    with the lender, whether or not they have         first agreement with Captain D’s in
   The Country Music Hall of Fame and           effective and scalable enterprise solutions    a home or property already selected.              2015, and has since become the brand’s
Museum will celebrate the music of 2018         to CM Group.                                      Churchill provides conventional, FHA,          largest franchisee, currently operating 33
in an exhibit that opens March 8.                  “The CM Group vision is to be the           VA and USDA residential mortgages                 restaurants across seven states.
   “American Currents: The Music of             most respected, fastest growing family of      across 46 states.                                    Trident Holdings LLC will also be
2018” will run through Feb. 8, 2020.            marketing technology companies in the             “More than ever, borrowers need                adding Captain D’s sister brand Grandy’s
   The exhibit carefully examines the           world,” says Wellford Dillard, CEO of          services such as these to help them make          to its portfolio, with plans to develop 10
previous year in country music, defined         CM Group.                                      smarter mortgage decisions,” says Tom             new locations of the Southern-style quick
broadly to include country-related                 “Sailthru and Liveclicker are               Gillen, senior vice president of secondary        service concept throughout the Southeast,
styles such as Americana and bluegrass          extraordinary technologies capable of          marketing for Churchill.                          beginning in Nashville.
music, and offers rich detail about the         solving important marketing problems,             “Coupled with our Certified
noteworthy figures and events in country        and we will be making additional
                                                investments in the businesses to further
                                                                                               Homebuyer Program, Rate Secured allows            Smartdollar to work with
music’s recent past.                                                                           borrowers to shop for their dream home
   “Each year brings new components             accelerate their growth.’’                     with the confidence that their loan will          ADP on financial plans
to the country music story, and 2018               Liveclicker’s ability to deliver live and   close seamlessly, and at a rate they can             Nashville-based Smartdollar and
was no different,” says Kyle Young,             geographically relevant content allows its     plan around.”                                     ADP have developed a new strategic
CEO, Country Music Hall of Fame                 customers, including AT&T, Quicken                                                               relationship to help Americans who are
and Museum. “Last year, we witnessed            Loans and TJX Companies to connect
                                                with consumers without the complexity of
                                                                                               Conner to open new plant                          working without a solid financial plan.
extraordinary chart and tour success,                                                                                                               “At ADP, we offer a holistic financial
exciting collaborations, and well-deserved      legacy solutions or the risk of sharing out-   in Clarksville                                    wellness program that can be customized
honors. American Currents allows us to          of-date, irrelevant content to subscribers.       Conner Industries Inc., of Fort Worth,         to meet the workplace needs of employers
highlight these moments while showing           Sailthru’s customers include TechStyle         has announced it will open a new                  and their employees,” says Chris Luongo,
their significance in country music             Fashion Group, Business Insider and            manufacturing plant in Clarksville on             division vice president of strategy,
history.”                                       other Fortune 500 retailers and publishing     Feb. 1.                                           marketing, and business development
                                                enterprises.                                      Conner is a provider of industrial wood        at ADP Retirement Services. “We
CereCore unveils name                              With the acquisitions of Sailthru and
                                                Liveclicker, CM Group now has more
                                                                                               and packaging solutions, specializing             accomplish this by building relationships
                                                                                               in supplying cut lumber (softwoods,               with providers, like SmartDollar,
change, rebranding                              than 500 employees and over 300,000            hardwoods, and panel products) needed             specializing in delivering financial wellness
   Nashville-based Parallon Technology          customers globally.                            for pallets, crates, and skid parts, as well as   solutions.”
Solutions announces a rebranding,                                                              fully assembled custom pallets, crates, and          Unemployment in America is at its
changing its name to CereCore.                  Change Healthcare,                             industrial containers.                            lowest level in 16 years, but behind the
   The changes are meant to represent a
direction that more closely reflects the
                                                Health Fidelity team                              The expansion to Montgomery County
                                                                                               comes on the heels of strong first quarter
                                                                                                                                                 good numbers looms a troublesome
                                                                                                                                                 truth: Consumer debt has reached record
company’s commitment to empowering                Change Healthcare, based in Nashville,       growth for the company and is one of              levels. Too many Americans are working
caregivers to provide life-saving               has announced a collaboration with             several new investments Conner has made           without a solid financial plan.
healthcare. The new name emphasizes             Health Fidelity, Inc.                          in recent months.                                    SmartDollar is an easy-to-use, online,
CereCore’s position as the provider of the        The partnership will offer a risk               New equipment expenditures for                 mobile-friendly benefit – the only
intelligent technical solutions that exist at   adjustment solution that embeds natural        several of its plants, a revamped online          financial wellness program that leads to
the core of healthcare operations.              language processing and machine learning       presence, and the implementation of new           lasting behavioral change. With expertise
   The name is comprised of two terms           technology into its risk adjustment coding     technologies at the corporate level signal        and a proven track record, SmartDollar
linked together to form a descriptive name      offering to help Medicare Advantage,           strong business growth for the industrial         meets employees where they are and helps
for the organization. The term “Cere”           ACA commercial, and Medicaid payers            wood and custom pallet and crate                  them get quick wins as they do the work
is part of the word cerebral, and “Core”        increase claim accuracy and better address     manufacturer.                                     it takes to gain control of their money.
denotes the center of operations. Thus,         compliance obligations.                           “We’re very pleased to announce the               “Most Americans are living paycheck-
CereCore creates intelligent solutions at         Health plans are under mounting              opening of a new location in Clarksville,         to-paycheck and nearly half couldn’t
the core of healthcare operations.              pressure to submit well-supported codes,       Tennessee,” says David Dixon, CEO                 afford a $400 emergency without
   “Our team’s passion to empower those         and the cost of non-compliance can be          of Conner Industries. “This is not only           borrowing money,” says Brian Hamilton,
who provide life-saving healthcare has          substantial. However, risk adjustment          an opportunity to bring more jobs to              vice president of SmartDollar.
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