Ledger - Change and charm
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TENNESSEE TITANS 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. Ledger AP P12 January 25 – 31, 2019 Vol. 45 | Issue 4 NASHVILLE EDITION www.TNLedger.com The power of information. DAVIDSON • WILLIAMSON • RUTHERFORD • CHEATHAM WILSON SUMNER• ROBERTSON • MAURY • DICKSON • MONTGOMERY FORMERLY WESTVIEW SINCE 1978 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 ww Photo by Leigh Singleton |The Ledger f , Plt The Moxy Hotel development can be seen rising above Hillsboro Village. l Co oley rn Pau , West 4 e ent s) : y 3 ltf( mpan 10C3 c, P , In nce Co /2010, suran m ess ern a 0 n 010 xpr nsur 8/3 tar I ricia 2 rn E shire I inger, 0 n vs S s): Pat W Gov , e REALTY CHECK 8 - 14 p rr Ham n W Ba Clarr ist, Plt ompan 3 e f( y, r c obe r 08/ Public h Jo cia M f C ance h C Oct & ins, Coll r E i atr rch O r Insu n Dem bs P r ing, e 2018 was no Law s T P u ame eath e Ch s): Sta vid Joh vs C LC, K lt f( s): J y(s): H A D ef( ): Da caire ces L ve c, P f Att mes s): (s i vi In Atty ard D l Ser fmark bs Records p In , De : Ja rou p Inc f(s) ef Atty( h ne Ric rson rk, Sta Def(s) ro f :C rs G rou , Plt record breaker 03 Inc n Inc, D Pe ffma : n/a, ore G 1 0 C33 Roge gers G o n c e s, a ) g 201 0, s vs s): Ro cti ctio vi Ser id USA St Atty(s C, Kil Def A n 8 nstru onstru L 26/ olli Def( 330 are p 0, Pltf ices L t LLC , 08/ s T C : n/a, 0, 10C co Co enco C 2 l thc ): Intre 7/201 v Ser stmen inside & online e s ) 1 n : J 8 e a 2 vs Jam f Atty( /26/2 vs Je Def(s) , 10C3 SA H , Def( n, 08/ 0 2 s ve 99 n es : Plt dt, 08 ells n/a, 2010 id U : n/a ilso son , I 32 oat ) Law Def 10C r D C f Atty(s , Har s A W Atty(s) 08/25/ Intrep Atty(s ff ord W : ) Real estate sales slipped d y R a , g e P lt an e ): Ju neid Ro ates, l Morg e W nife r f w , s Jam ells, Plt S White ood v ood, P ty(s): w ltf t TNLedger.com Cli da , P ltf(s ing & O ye r s , Co ichae llau J M rd Ha s Inc im rim ef A nei ): Nu rs plo f(s): Jen ca Gr sica G es, D from record 2017, and Realty si Plt lthcare es ervic S s N & O ef(s 49 nd Em llo, De liam ing ay, D C32 Jes f(s): JCheck........................................3 urs Dunaw 010, 10 g Inc Zucca erick W 2 n a D re il ha Ric dustr ater In ller W he ie Mue lia Cat M Hea 3329 n v Harold 8/23/ eldi onald ): Fred lle pending sales indicate 2019 Community y s) s o 10C R Law : DCalendar...........................4 R Jud f Atty( ichard s vs s, Pltf yers, 0 avid Clark, llons ty(s): D ef Atty Di W At D (s ,H y s v i arle (s): n/ y, Inc ltf Atty ompan a, e A all D m d Ran ndall D Newsmakers......................................6 n y, Ra Def might be even slower. lt P (s): R r de ander d Emp lo pa igus, al InsP C t y t n S an S a n o m r ll , Co, r D Public ARecords c an 0C3339 ply C sh8-11,22-25 .I.n.................. Gar le Mutu tre e da ord 9 Can dt, Rog ds Jor f(s): J elding 010, 1 ’s Sup f(s): Jo rleysvil 0C330 thleen r E Har Do P3 Public Notices P lt s W 0/2 n 3 and s E d , P lt Dillo ge, 08/ gus v pany any, In /26/2 y, Pltf( (s): He c, H a 01 0 , 1 ): Ka the s a ry n J Atty Foreclosures Hod Gar......................... ri Com omp C, 08 itnSection I n s ply C rah s e P y, Def A tty Bltf(s): Katmharkets Ricp s h e P r Jo utual ’s Sup ner Sa Bow s Pitne nc, upe Marketplace.....................................27 M s): Ed : Reis ll vs owe rke ts I ublix S 271 P an, Pltf Def( Atty(s) antre ef(s): B ma Def(s): 0, 10C3 Goldm ): Mary per Def leen C : n/a, D 345 lix Su arello, 24/201 ): Larry f Atty(s h s) C3 b Kat f Atty( 10, 10 vs Pu ld D Zu stin, 08 a, Pltf( yrna, D cc / s e est t W y Plt 30/20 ard Dona Gar yrn Of Sm rea s): Gar - 08/ ryn J W tty(s): hristia Of Sm ): Tow n ,G ( u h f A C w s s Inc ltf Atty st Cas t Kat ard, Plt tty(s): vs To ey, Def( 77 c e isti on, P at W t Sc o W Def A man Coff 0C32 k Log Johns nc, Gre Stuar A 1 Inc, Gold berly 2010, mtra Leslie istics I William a r ry ): Kim /25/ s Co f(s): L o g tler, F leet L ty(s 08 n v y, Plt trak D Bu S y B St At en, o m Larr
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 S 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 C 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
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 Ledger 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. firstname.lastname@example.org 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 years. 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 @TNLedger 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
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 LIZ 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 ber-Orientation-2332/details 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. sity-luncheon-355990 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-
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 patient? 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 charges. dozen metropolitan areas and is adding more, says founder Jeanne Pinder. They Piggy banks for kids in surgery? 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. twitter.com/LindaJ_onPharma 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% 12,000 brews. Global Alcohol 150,000 “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 100,000 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 Drinks 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
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 Black 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 Lee issues. He previously versity Medical Center Bank. University of Kentucky with a degree in civil Wilkins 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.
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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