Sallie Davidson, CRP. w w w. S a l l i e D a v i d s o n. c o m. Jct. Hwy 1006 & Hwy 363 London, KY MEMBER

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1 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE 72 Relocation SeRviceS Sallie Davidson, CRP Mobile: salliedavidson@aol.com Office: (606) Fax: (606) MEMBER THE WORKFORCE MOBILITY ASSOCIATION CRP CRB CRS ABR GRI RAA Certified Relocation Professional Certified Real Estate Brokerage Manager Certified Residential Specialist Accredited Buyer Representative Graduate Realtors Institute Residential Accredited Appraiser REALTORS Jct. Hwy 1006 & Hwy 363 London, KY 40744

2 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE 73, CRP CRS, CRB, GRI, ABR, RAA salliedavidson@aol.com DEBBIE WILLIAMS CRS, GRI, ABR, CNHS, e-pro debbie@salliedavidson.com /dwilliams PENNY FERGUSON CRS, GRI, ABR, e-pro pennyferguson@windstream.net /pferguson TREVA TAYLOR GRI, ABR, CRS trevataylor@windstream.net TIM SMITH GRI, SRES time2sing@msn.com SHERRI SMITH GRI, ABR londonrealtor@windstream.net CINDY TARTER tarterbruce@aol.com URSULA BRADY ubrady@roadrunner.com JOANN SMART joannbsmart@yahoo.com BIGE SMITH winstonbsmith@roadrunner.com DARREN BROWN GRI, ABR, SFR browndj36@hotmail.com DONNA GROSS dbakergross@yahoo.com RACHEL BROWN rachelbrown@twc.com JERRY HOLLON jkhollon@yahoo.com

3 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE WOODS EDGE DRIVE #98717 Antebellum Architecure Is The Style Of This Exquisite Southern Mansion Located In Woods Edge. It Is Situated On Nearly 7 Acres And Surrounded By Black Plank Fencing To Add To Its Beauty. Newly Decorated And Just Waiting For Its New Owner. This 3-Level Southern Plantation Home Has All The Charm One Would Ever Hope To Have In A Home. Entertaining At Its Best! The Space Is Unbelievable, Not To Mention The View Both Coming In To The Property As Well As Standing On Any Of The Covered Porches That Surround The Home. Elegance, Charm And Comfort Flow Throughout The Home. Grand Foyer, Curved Staircase, 10' Ceilings, Formal Living Room, Formal Dining, Office, Huge Family Room W/Coffered Ceilings, Wet Bar, Breakfast Room, State-Of-The-Art Kitchen W/Commercial Grade Appliances, Five Bedrooms, 5 Bathrooms, An Elevator, A Pool, A Pool House. Too Many Amenities To Mention, But All Of The Things One Would Expect In A Southern Mansion. Over 9,000 Square Feet Of Finished Living Space Plus 3-Car Garage. WOODS EDGE #89945 Premier estate home on a lush 4.82 acres. Built in 1994 with the elegance and grace of a time-honored design. A vast reception foyer, sweeping staircase, grand living areas, gourmet kitchen, open design. Oversized 3 car detached garage connects to home with a breezeway. Inground pool and separate guest quarter are accented by exquisite landscaping amid mature trees. 3rd living space over the pool house creates the perfect spot for unexpected stayovers. Impeccable detail and solid craftsmanship throughout. HEMLOCk FALLS ESTATES #98767 This Meticulously Built Home Is Beautifully Sited On A Professionally Landscaped Lot With A Circular Driveway And Additional Large Area For Parking. No Details Have Been Overlooked In Decorating With Soaring Ceilings And An Abundance Of Light From The Wall Of Windows. Elegance And Charm Are Hallmarks Of This Home With Beautiful Custom Finishes Was Well As Fabulous Gardens And Grounds With A Pool And Extensive Terraces. Truly Exquisite, 4 Bedroom, 4.5 Bath, With 5 Fireplaces, Cherry Custom Built-Ins In The Den/Office, Large Family Room; Overlooking Negative Infinity Edge In-ground Pool Surrounded By Slate Patio And Pergola. Superb Gourmet State Of The Art Chef's Kitchen Complete With Corian And Large Breakfast Room. Gracious Master Suite With Fireplace In Both Master Bath And Master Bedroom. Finest Of Amenities With No Expense Spared. This Is A Most Stunning Setting With Spectacular Views Of The Countryside. All This Within 2.5 Miles Of Town. PLEASANT VIEW ESTATES #99758 Horse Lovers Paradise...Gorgeous Country Estate Features Nearly 6,000 Square Feet Of Total Living Space With 4 Or 5 Bedrooms And 3 1/2 Baths. This Property Offers Formal Living Room With Fireplace And A View Of In-ground Pool Area Through The Wall Of Windows That Bring The Beauty Of The Outside Indoors. The Beautiful Acres Offer Space For Comfortable Living. The Large Gourmet Kitchen With An Adjacent Sitting Room Is A Great Place Or Entertaining Or Just Having Family Gatherings. Outdoor Amenities Include, Beautiful Acres With Stables, A 3 Car Detached Garage, And An Official Full Size Basketball Court. Call Today For A Private Showing Of This Beautiful Estate.

4 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE 75 WOODS CREEk LAkE #98402 Beautiful estate on Wood Creek Lake featuring 8 acres of wooded and secluded acres...terrific view!! Grand two story entry and family room with wall of windows overlooking continuous view of the lake. First floor master, two-sided stone fireplace, large kitchen with butlers pantry, oversized 2 gar garage. Covered pier/boat dock featuring space for your boats. Home which features vaulted ceilings, along with an open floor plan, create a great atmosphere for entertaining. Oversized rear deck has a gorgeous view of one of the most pristine areas on Wood Creek Lake. The deck has an open area for dining and outdoor grill. Kitchen features a relaxing breakfast bar with all modern appliances. Shade trees keep the temperature in the home very comfortable. LAkEFRONT - WOOD CREEk LAkE #99555 Excellent private retreat or income producing B&B. Nestled on nearly 3 acres only 3 mi from city limits this lushly landscaped custom contemporary home offers the tranquillity of lake living without sacrificing the convenience of nearby shopping, schools, churches & hospital. Guest parking area & lighted walkway; 1st floor open concept LR/DR/fully-equipped kitch area, hardwood, vaulted clg, 2-story stone FP & walls of windowed lake views; powder room & 1st floor bdr/den/office. The 2nd floor offers 2 private master suites with ensuites, walk-in closets & private balconies overlooking lake. Lower level you find a full bath, utility, bedroom, office & possible 2nd living room, 18" tiled flooring & 2-car garage. With little work the LL could be a totally private guest quarters & currently offers built-in bunks. $459,000. MCWHORTER ROAD #99565 Resplendent In Beauty, Resolute In Devotion And Commanding In Character Best Describe This Private Estate With Endless Possibilities For Perspective New Owners. Considerations Are Celebrity Hideaway, Destination Spa/Resort, Recovery Center, Church Retreat, Leadership Training, Corporate Getaway, Or Wildlife Sanctuary. With Nearly 60 Acres Accessed Via A Security Gate From A Private Road This Estate Could Serve As Your Main Residence Or A Retreat. Residence Is A Custom Built One Of A Kind Southwestern Style Home Designed With The Back Yard As A Retreat Area Complete With Summer Kitchen On A 1440 Sq Ft Veranda Overlooking A Pool With Waterfall, Slide And Guest House (Unfinished) Located Within The Massive Manmade Stone Mountain. Upon Entering Thru The Nearly 1000 Sq Ft Portico Into The Skylit Conservatory You Feel You Have Left All Your Troubles Behind. Beautiful Large Theater Room Has A 139 Inch Screen And The Entire Home Is Equipped With An Intercom System. BEECHWOOD DRIVE #96694 Location, Location and Spacious what a great combination. This Full Brick says it all, located on one of London's finest golf courses. This home offers 5 bedrooms 4.5 baths, Entry leads to open staircase, formal living, formal dining, huge family room that is big enough to include a pool table, large kitchen with center Island and 3 large pantries and breakfast area. From your over sized Master suite you can access courtyard patio with view of course and large pond. 3 whirlpool tubs, 3 heat and air units, 3 water heaters, 162 Sq. Ft. office/den. 30 ft ceilings in Family room with fireplace. Formal living also offers a fire place. Beautiful out door view from Up stairs balcony can enjoyed from the bedrooms. 4 level crown molding, 7.5 inch Baseboards, all wooden blinds, walk in closets. 3 car attached garage. List goes on and on! $489,000

5 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE 76 NAPIER LANE #93317 This stately brick home offers a magnificent presence from every angle, with a particularly impressive entry hall introducing you to abounding character and warmth. Natural sunlight spills onto the glistening hardwood floors. The den boasts built in shelving perfect for office or library. An efficient island kitchen with wall to wall cabinetry works well with formal dining and sunny nook joining an enormous gathering room for ease of entertaining. You will find the master bedroom to be a true suite complete with sitting area and a master bath designed with whirlpool tub, tiled shower with custom body sprays, along with his/her vanities. All bedrooms have oversized closests. $399,900 MACEDONIA CHURCH ROAD # Picture Perfect Describes This Gorgeous Victorian Home In The Country Yet Less Than 1 Mile From London City Limits. This Very Private And Secluded Home Offers Formal Parlor W/12 Foot Six Inch Ceilings and Fireplace, Formal Dining Room With Fireplace, 7 bedrooms including Master Suite Plus Owner's Suite. Owner's Suite has Gas Fireplace, 4 1/2 Baths, Commercial Grade Kitchen w/6 burner Jen-Aire Stove Top/Grill, Sub-Zero Refrigerator and Sub-Zero Freezer, Huge Island, Great Space For Entertaining, Adjoining Family Room. 5 Fireplaces, 3 Bay Attached Garage, Heated Inground Pool With Automatic Cover. Full Finished Poured Concrete Basement offers Party Room, Game Room, Huge Bedroom (Now being used for office) and Full Bathroom plus a Huge Laundry Room that has 2 Washer/Dryer Hookups. 30 x 50 Steel 3-Bay Detached Garage. Lots of Attic Storage Acres, Recent Survey On File. Total Living Area=6408. ** OWNER WILL CONSIDER OWNER FINANCING-Will Consider Selling Another 40 Acres In Tracts. $799, BLACkBERRY LANE # This Beautiful Custom Built Home Is Located In Hemlock Falls Subdivision. The Beautiful Exterior Certainly Suits The Neighborhood And Pleasing To The Eye. This Home Offer Everything Buyers Are Looking For With Hugh Rooms, Lots Of Huge Windows, Volume Ceilings, Crown Moulding, Hardwood And Tile Throughout The Home. Great Kitchen With Stainless Steel Appliances, Center Island, Bar, Granite Counter Tops, Large Pantry And Entertaining Bar Area. Large Living Room, Dining Room, Absolutely Wonderful Master Suite With Fireplace, Jetted Tub, Separate Shower, His & Her Closets (Huge! Huge!). Upper Level Offers Bedroom, Full Bath, Home Office And Recreation Room. The Concrete Driveway Is Extra Large And Will Accomodate Several Vehicles, Great For Entertaining. 3-Car Attached Garage And Large Lot Only A Couple Of Miles From Town. $569, BEECHWOOD DRIVE #99724 This May Be The One You Have Been Waiting For! Beautiful 2-Story, Full Brick Home Located In The Oaks Of London On Crooked Creek Golf Course. This Home Is A Classic, With 2-Story Entry Foyer, Hardwood Staircase, Spacious, Spacious & Open Rooms Throughout, Volume Ceilings, Great Open Fully Equipped Kitchen With Custom Designed Pantry, Master Suite On Main Level, Huge Family Room With A Wall Of Windows, Sun Room, Large Laundry. Aminities Include Hardwood Floors, Crown Moulding, Security System And Sprinkler System. Absolutely Beautiful Fixtures. Beautiful Golf Views From Both Front & Back Of This Home Plus Lake Views. Being Located In A Cul-De-Sac Is Great When Entertaining..Lots Of Parking Space. $419,900

6 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE 77 To download our mobile app and search all homes for sale, text to or scan this QR code with your phone Looking for a new house is now MOBILE Search for HOMES from your MOBILE device. Use GPS to all homes listed for Sale!

7 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE 78 LABRIDGE LANE (AVALON ESTATES) #98369 Custom Built home with exquisite detail throughout. This home features 4-5 bedrooms, 2 family rooms, formal dining room, whirlpooled master bath, gas fireplace, an abundance of hardwood, tile and crown molding, fully equipped gourmet kitchen with gas cook top stove, granite countertops, with a sundrenched eating area and sunroom, security system, and sits on a beautiful 1.51 acre lot located in Avalon Estates. If you are looking for a home with a casual feel but on a grand scale of design and quality then you have found it in this home. $369,000 THE OAkS OF LONDON #97753 This Beautiful Home Is Located On Crooked Creek Golf Course And Has The Most Beautiful VIEWS! Overlooking #11 Fairway, Tee To Green. Gorgeous Heart Shaped Pond With Soaring Fountain On This Golf Course Hole. Also View Of #12 Tee To Green. The Home Is Beautifully Decorated Throughout, Offering 5 Bedrooms, 3.5 Baths, Formal Rooms, Family Room Main Level And Lower Level, 2 Fireplaces. The View From The Master Bedroom Is Breathtaking. Deck and Covered Patio On Back Of Home Is Great For Entertaining! $369, ALLF LANE #98683/98684 Zoned Commercial...and what a location! Visible from 192 with endless possibilities. Presently a 4 bedroom home with 3 full baths, kitchen, living room, den and below you will find 2 bedrooms, half bath and more on 0.75 acre. $275,000 BRAMBLEWOOD SUBDIVISION #97927 This custom built home has all the special features your family could imagine Custom Ash wood kitchen cabinetry and flooring. Vaulted ceiling, crown moulding and detailed trim work. Main level master suite has a sitting area for late evening reading. Nice 2nd bedroom on main level just off kitchen. Upstairs you will find 2 more bedrooms plus an office space and large common bath. A privacy fence in the back yard is perfect for pets or children. Make plans to view this home soon. $248,000 H. CROOk LANE #99127 NOT ONE step in this home. Offering 4 bedrooms, 2.5 baths, 24X37.6 LR/DR/KITCH combo with vaulted ceiling, utility garage, huge unfinished 2nd level bonus area, partial basement with utility garage, security system, 2 car attached garage, front & rear porches, economic geo thermal heating & cooling, extensive recessed lighting, fireplace & built-ins. The master suite is gigantic including a large bath with spa tub, large shower, his & her vanities & linen cabinet. Guest bath is oversized & offers separate his & her vanities. NO CARPET in this home, all hardwood & tile. The owners had this home built & gave thought to it's functionality & practicalility; Exterior outlets & spickets on every side & gas line installed to grill. $309, AUGER SPRINGS ROAD #99408 Privacy, A Great Home And 8 Acres. Home Was Built By Owner And Is Full Brick (2 Layers Of Brick) And Offers: Living Room With Stacked Stone Masonry Fireplace W/Gas Logs, Huge Family Style Kitchen With Oak Hardwood Floors, Stainless Steel Appliances Except Trash Compactor In Main Kitchen, Butler's Pantry With Jenn-Air Gas Range Top, Huge Dining/Breakfast Area, Formal Dining, Two Master Suites (1 Upper Level W/Jacuzzi Tub And Walk In Tiled Shower, Sauna, 1 Main Level W/ Huge Tiled Walk In Shower), 4 Total Bedrooms, 5 Full Bathrooms, 2 Masonry Fireplaces, Full Finished Walk-Out Basement W/Fam/Rec Room, Kitchen, Sauna, Full Bathroom Opens To Deck & Patio Surrounding An In-Ground Pool-16 x 32, 8 Feet & 3 Feet Deep With Trampoline Cover, Aggregate Concrete Patio And Outdoor Brick Grill/Cooking Area Is Great For Entertaining. This Home Has Lots Of Brick And Tile Interior Walls. Workshop, RV Garage And Tractor/Equipment Garage. Adjoins US Forest Service To Laurel Lake. More Land Available. $370,000

8 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE ROOkWOOD DR. #97673 This beautiful 3 Bedroom, 2 Bath home features Trey ceiling, a Huge walk-in Closet In Master Bedroom. Cathedral Ceiling in the guest Room, Dining room and living room, and 9 ft ceiling in the rest of the home. Formal Dining & Eat-in Kitchen Area. The kitchen also has a island with extra cabinetry and storage. The large Deck Overlooks the Spacious Private Back Yard. $199, CANYON DRIVE # This Beautiful Home Was Built By Owners With Special Attention Given To Detail. It Offers Entry Foyer, Great Room With Gas Log Fireplace And Vaulted Ceiling, Eat-In Kitchen Open To Great Room, 4 Bedrooms, 2.5 Bathrooms, Master Bedroom And 1 Other Bedroom On Main Level, Crown Moulding, Built-Ins In Great Room, Hardwood Stairway, Hardwood, Carpet & Tile, Covered Front Porch, Deck And Patio And Is On A Great Lot,.79 Acres. New Shingles In COMMERCIAL BUILDING/kEAVY #99282 Great Location near Jct 1006/363, high traffic & visibility for this 2976sqft space currently used as photography studio. Building constructed in 2008 is 32X70 with additional 16X46 loft. Property features vaulted ceilings & white-washed hardwood flooring. The 1st floor is comprised of retail front space, 2 private rooms, half bath/wet bar & large rear space for photo shooting. The loft is divided into two large spaces, one overlooking retail front & the other with large windowed views. The building is vinyl construction, metal roof, split HVAC, KU electric & 12X24 storage building. This property has great potential for office, retail or professional space. $209,900 CHANEY RIDGE ROAD #99646 One owner full brick ranch on approximately 2.5 acre unrestricted lot and beautiful country views! Offering 3-4 bedrooms including master suite, 3 full baths, large bonus room, finished basement recreational room, open concept, split-bedroom plan, tray ceilings, hardwood, fireplace, covered porches, 2-car attached garage & above ground pool. Call for appointment. $239,000 EAST LAUREL ROAD #97232 Lovely home with lots of space. Six bedrooms, three full baths, 2 complete kitchens fully equipped with all appliances. Extra large master suite includes a whirlpool, walk-in closets and beautiful crown molding. Custom made window treatments included. Deck has hot tub which will stay with the new owners. Two fireplaces with gas logs. This property consists of 5 ACRES of land. $279, TAYLOR SCHOOL ROAD #99435 This Beautiful Cabin Has Been Completely Updated Recently, Including Finishing The Full Walk-Out Basement. The Kitchen Is Absolutely Beautiful With Custom Cabinets, Stainless Steel Appliances, Travertine Backsplash, Pantry, Bead Board Ceiling, Ceramic Tile, Large Center Island In The Kitchen As Well As Another One In The Kitchen/Great Room That Seats 8 People. 6 BR 3 BR, Large Rec. Room, 2 Laundry Rooms. Lots Of Wood In Ceilings And Walls As Well As Drywall. 2 Covered Front Porchs, Large Back Deck.. This Home Sits On 12.3 Acres Complete With A Bubbling Stream. $240,000

9 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE CALDWELL LANE #99785 Total Privacy Is What You Get With This Beautiful Cape Cod With Long Concrete Drive Winding Thru Your Own Woods Nestled On 3.6 Acres. And 3606 Of Living Space, This Nice Home Has Great Room With Fireplace, Hardwood Flooring, Big Roomy Kitchen Complete With Kitchen Appliances, Kitchen Bar, Large Dining Area With Bay Window. Master On Main Level With Access To Covered Porch. Adjoining Master Bath Has Recently Upgraded Walk-In Shower With Body Jets & Beautiful Travertine Tile. Large Utility Room Just Off 2 Car Oversized Garage. Upper Level Has 2 Bedrooms With Dormers. Lower Level Has Another Kitchen, Family Room, Office, Bedroom And Full Bath With Laundry Room. From The Big Front Porch Lined With Rockers And Porch Swing To The Wrap Around Deck This Home Says Sit Down And RELAX. The Wrap-Around Deck Leads To Back Deck With Hot Tub And Above Ground Pool. Storage Building, Concrete Basketball Area, Walk-out Basement With Covered Patio. Easy Acess To I-75. $248, VINE VIEW RD. #99419 GORGEOUS 2-Story Home Located in Wood Chase Subdivision. This home has lots to offer with over 2200 square feet. This 3 bedroom 2.5 bath offers a formal living room, dining room, sun room, breakfast area, and large updated kitchen with stainless steel appliances. The large kitchen opens up to family room with gas log fireplace perfect for entertaining. Upstairs offers oversize master bedroom with walk-in closet. Charming wrap around porch with extensive landscaping. $177,900 SHADOWBROOk #99804 One owner well maintained split foyer near town on dead end street offering 3 bdr & 2 baths including a master suite w spa tub & walk-ins; open concept living/dining/kitchen; oak kitchen with appliances & island bar; hardwood & tile throughout, no carpet; family room/office on lower level; 2-car attached garage; low maintenance deck; 16X32 heated inground pool; extra lot available. $179,000 PLEASANT GROVE LOOP #99907 This is a Must See, with a beautiful setting to enjoy the season changes. This custom built home with 3 bedrooms and 3 baths is spacious yet feels cozy from the time you enter the foyer that opens to the Formal Dining and Living Space. Kitchen also has a breakfast nook and hearth room. The Den with fireplace could also be a 4th bedroom or the perfect home office. Situated on 4 acres with a stocked pond. $189, PHILPOT ROAD #99772 Beautiful Home In A Beautiful Setting, Close To Town And So Private! Approximately 3/4's Of The Properties Boundary Lines Are Tree Lined...Who Wouldn't Love This Place?? Living Room, Kitchen With Dining Area, Family Room With Fireplace, 4 Bedrooms, 3 Full Bathrooms, Large Laundry Room. Lots Of Recent Upgrades, i.e., Dimentional Shingles, Trane Heat Pump, New Windows, New Vinyl Siding To Mention A Few. So Private With Lots Of Trees, Tree Lined Boundary On One Side And Is Picture Perfect! Large Deck And Patio. On 2 Acres With Storage Building That Matches House. $164, CEDAR POINT DRIVE #99839 Beautiful Brick And Vinyl Ranch Style Home With Full Basement, All Finished Except The 2+ Sideload Garage Square Feet Of Finished Living Space. This Home Offers A Great Room On Each Level, Beautiful Kitchen With Kitchen Bar, Cherry Cabinets (Medallion) And Hardwood Floors In Kitchen Dining Area, 3 Bedrooms, 2.5 Bathrooms, Open Staircase To Lower Level Great Room, Oversized Laundry Room And 1/2 Bathroom. Glass Doors To Lower Level Deck Provides Lots Of Natural Light. Recent Upgrades Includes New Shingles, New Gutters And New Shutters In Main Living Areas Freshly Painted In Breathtaking Views From Either Of The 2 Decks On Back Of Home, Main Level And Lower Level. $168,900

10 PLEASE SAY YOU SAW IT IN THE FEBRUARY - MARCH 2013 CUMBERLAND VALLEY BOARD OF REALTORS HOMES - PAGE 81 Treva Taylor ABR, GRI, CRS (606) trevataylor@windstream.net EXPERIENCE ISN T EXPENSIVE, IT S LESS Visit my to view ALL CUMBERLAND VALLEY BOARD OF REALTORS S. Whether it be Residential, Commercial, Farms or Lots...I can help you with it. Just send me an or call my cell at any time. I am always available to provide the service my clients deserve. I provide Taylor Made service to fit Your Individual needs!