10 Benefits of Outsourcing Payroll

10 Benefits of Outsourcing Payroll

by L and L Tax Services in Ft. Oglethorpe, GA.

Every business owner is faced with the option of doing payroll in-house or outsourcing to a payroll service provider. While each has its advantages and disadvantages, outsourcing payroll seems to be a common choice for both large and small businesses. If you are trying to decide if payroll outsourcing is right for you, consider the following benefits.

1. Fewer Compliance Issues

Payroll tax regulations can be complicated and confusing. It may be difficult to stay up with all the tax rules and changes when trying to run a business, yet you are legally responsible for inaccurate payroll reporting, which can result in penalties from the government. Outsourcing payroll services can help you prevent compliance issues. Companies dedicated to running payroll stay up-to-date on all tax rules and therefore are much less likely to make costly errors. In addition, outsourced payroll services will often handle filings, taxes, and payments, as well as take responsibility for the cost of mistakes.

2. Lower Costs

In addition to reducing the probability of costly penalties, hiring a company to manage your payroll can save you money in other ways. Payroll outsourcing usually costs less than managing payroll internally. Particularly for small to medium businesses, the price to pay for training and the labor hours spent processing payroll in-house generally add up to more than the price of outsourcing.

3. Saved Time

Not having someone process payroll internally can not only save you money but also time. When one of your employees has to work on payroll every couple of weeks or once a month, they are spending less time actually doing their job. Because payroll takes a lot of time and attention to detail to prevent errors, outsourcing to a professional company can increase efficiency.

4. No Days Off

When you rely on an employee to manage your payroll, you may have to deal with illness, vacations or resignations. If your employee gets sick or requests PTO when payroll is due, it may not get done on time, which can lead to penalties. Hiring a payroll company means no asking for days off. This ensures consistent and reliable payroll processing of every pay period.

5. Better Security

By processing payroll in-house, you may be putting yourself at a greater security risk. Even though you may trust your employees, there is always a chance personal information could accidentally get shared or be seen in the office. This could lead to potential identity theft, messing with company records, manipulating payments or embezzling money in extreme cases.

6. More Reliable Backup

While payroll software is available to help companies run payroll internally, if the software goes down, all of your data may be lost. When you outsource payroll to a service provider, they generally have backup systems in place and several server locations to protect your information – without additional cost to you.

7. Peace of Mind

One of the greatest benefits of outsourcing payroll is the peace of mind that comes with it. When you don’t have to worry about whether your payroll is getting done correctly and on time, you can concentrate on growing your business. Since payroll providers usually take responsibility for errors, you can feel confident they will take responsibility for mistakes. If the payroll service company cannot fix the issue, it is quick and easy to hire a new one, as opposed to taking weeks for hiring and training new members of your staff.

8. Alternative Payment Methods

Many payroll companies offer different options for paying employees. Doing payroll in-house often means sending paper checks to your employees each pay period. By outsourcing payroll, businesses often have the ability to do direct deposit or even offer pay cards to those employees without bank accounts. Having these options means it is easier to stop payments and reissue them if necessary.

9. Quicker Processing

Payroll service providers employ experts in payroll rules and requirements. Because payroll is all they do and they have advanced technical resources as support, they can complete complex payrolls quickly and accurately. This includes adding new employees to the system and removing former employees as soon as they leave the company.

10. Access for Employees

Outsourced payroll often comes with an employee access system that allows employees to see their personal payroll information. This creates a quicker and more efficient way to get information to employees and makes it easier for them to update their information. Since this feature often comes with outsourced payroll services, employers do not have to worry about maintaining it.

While every payroll company is slightly different, the benefits of outsourcing payroll often outweigh the negatives. If any of these factors are leading to inefficiencies or limiting profitability in your company, it might be time to consider payroll outsourcing. For more information about outsourcing payroll, call L and L Tax Prep at (706) 841-0829 or find them online at www.facebook.com/LLTAXPREP.

The Significance of Aircraft Upholstery

The Significance of Aircraft Upholstery

By Kustom Stitch in Knoxville, TN.

Aircraft upholstery encompasses far more than just the covering of seats on an aircraft. Aircraft upholstery is found in the carpeting, wall fabric, and bulkheads of an airplane. Depending on whether or not the aircraft is for commercial traveling, economy class or an extravagant private jet, the upholstery can vary substantially in quality and design. However, all aircraft upholstery must be lightweight and durable while also meeting stringent standards of safety.

The single most important item in aircraft upholstery is undoubtedly the seat. To cushion passengers comfortably during take-off and landing, the standard seat of an aircraft must consist of multi-density foam, or more specifically, a rigid inner layer of foam bonded to a softer outer layer supporting the body. The seat is then covered in various styles of nylon, vinyl, leatherette or real leather.

The aircraft’s walls and bulkheads are also important when it comes to the comfort of its passengers. The upholstery of these parts of the plane contributes to the noise control of modern travel. After receiving a coating of flame-retardant foam, walls and bulkheads can then be given a variety of different coverings. For example, aircraft upholstery on a private jet might include upholstery of high-quality buttoned leather. Commercial aircraft use specially formulated fabrics that offer low smoke toxicity and high durability measured in the tens of thousands of rubs. Other factors taken into consideration regarding the upholstery of all aircraft are flame resistance and comfort, in addition to making sure the fabrics meet recognized burn-test, heat-release, and smoke-toxicity standards.

There is still room for creativity in the world of aircraft upholstery, despite all these technical considerations. There are numerous colors, patterns, and comfort levels to choose from. One can even order recliners made of fine-grain leather with hidden spring-released, walnut-veneered drinks compartments built into the sides if they wish!

For more information about aircraft upholstery, or to speak with someone about getting airplane upholstery installed, contact Kustom Stitch at (865) 679-6591 or find them online at www.stitchestintandtunes.com

Why Do I Need Uninsured Motorist Insurance in TN or GA?

Why Do I Need Uninsured Motorist Insurance in Tennessee or Georgia?

By the Dennis and King Law Firm In Chattanooga, TN

Despite the fact that Tennessee and Georgia require automobile insurance, there are still many drivers on our roads lacking it. By some estimates, as many as fifty percent of all drivers in Tennessee and North Georgia lack insurance coverage. Furthermore, those that do carry insurance only carry the lowest limits allowable by law: $25,000 per person/$50,000 per wreck.

What does all this mean? It means if a careless driver causes injury to another driver, the injured party may never recover enough money to compensate them for medical bills as well as pain and suffering. This is why Tennessee and Georgia law requires every car insurance company selling liability insurance also to offer uninsured motorist coverage in an amount equal to the limits of the property damage and “at-fault” bodily injury coverage amounts in that policy.

What Is the Minimum Legal Automobile Insurance Policy in Tennessee?

In 2008, under the 2010 Financial Responsibility Law, the state legislature increased the minimum liability coverage amount by revising section 55-12-102 of the Tennessee Code:

“(12) Proof of financial responsibility or proof of financial security means:…
(i) If proof is required after December 21, 2008, proof means:
(a) A written proof of liability insurance coverage provided by a single limit policy with a limit of not less than sixty thousand dollars ($60,000) applicable to one (1) accident;
(b) A split-limit policy with a limit of not less than twenty-five thousand dollars ($25,000) for bodily injury to or death of

one (1) person, not less than fifty thousand dollars ($50,000) for bodily injury to or death of two (2) or more persons in any one (1) accident, and not less than fifteen thousand dollars ($15,000) for damage to property in any one (1) accident…”

If the bare legal minimum car insurance policy of 25/50/15 is purchased, then one can only receive that same amount of coverage for an uninsured motorist {UM} policy. Why is this? Because Tennessee law forbids UM coverage exceeding the liability coverage. Keep this fact in mind when shopping for car insurance. Even though an inexpensive premium is desired, drivers also need enough insurance to protect against uninsured drivers or underinsured drivers. In this day and age when an ambulance ride costs $1500, a CT scan costs $1800, an MRI costs $4500, and a 24-hour hospital stay can easily run $10,000 dollars, $25,000 dollars is really not very much.

When Does Uninsured Motorist Coverage Apply?

Most UM policies will cover injuries to:

  • the insured, while driving or riding in their car or any car and while as a pedestrian
  • any relative who lives with the insured while driving or riding in the vehicle listed in the policy
  • anyone else riding in or driving the insured’s car, with the insured’s permission
  • anyone riding in a car the insured is driving but does not own.

When Does Underinsured Motorist (UIM) Coverage Apply?

UIM coverage applies only if the injured party proves to their insurance company that the careless driver who hit them lacked enough insurance to properly compensate them. This can be proven after the injured party has managed to get the careless driver’s insurance company to offer them “policy limits” of $25,000 in writing. This can be a complicated procedure because it requires cooperation between the injured party’s insurance company and the careless driver’s insurance after the accident.

For more information about the laws in Tennessee regarding car insurance, contact Dennis and King in Chattanooga, TN at 423-892-5533. They are here to help and can provide a great deal of information about how underinsured motorist insurance can apply to injuries if a negligent driver has caused an injury.

Maximum Heating and Air-A Champion With Superior Products and Service

Maximum Heating and Air – A Champion With Superior Products and Service

Making products in the USA has become a major social issue. With so many companies relying upon foreign labor, it has literally become a revolutionary act to buy and sell items exclusively made in the USA. Johnson Controls is one such company that values this concept. Champion HVAC products, which are engineered, designed, and assembled in the USA., and are exclusively available through WinWholesale, Inc. WinWholesale is a leading supplier of residential, commercial and industrial construction supplies as well as materials, with 570 wholesaling locations within North America. The nature of this distribution network allows local companies to handle the distribution of the product, creating more local jobs for America’s homegrown communities.

Maximum Heating and Air is the leading supplier of Champion heating and air conditioning items in the Greater Chattanooga area. The coupling of quality customer service with superior Champion products has created a phenomenally successful brand rising far above the rest.

What makes Champion products different? Champion HVAC units are made in the USA using top-grade materials making them very durable. The units are quieter than many others on the market creating a more satisfactory living experience for the people who purchase them. After factory stamping, all Champion equipment is powder-coated, rather than spray-painted. To top it off, Champion products have a one-year labor guarantee combined with excellent customer service.

Maximum Heating and Air is locally owned and family-run. The values of America run through the veins of its employees. The Champion brand matches everything they believe in-American owned and operated, with reliable customer service and a manufacturer who stands by their work. What else could one ask for, or possibly expect? If you are in need of heating or air conditioning products and services, please call Maximum Heating and Air at 423-894-4970 or find them online at www.maximumheatingandair.com

The Various Health Benefits of Bowling

The Various Health Benefits of Bowling

By Retro Bowl In Dalton, GA.

Bowling is one of the few activities where the entire family can participate. While bowling is not a full-contact sport, it still works muscle groups throughout the entire body. Additionally, it offers healthy exercise for people of all ages. Bowling assists seniors in maintaining control of their motor skills and helps children with their hand-eye coordination. It is a well-known fact that regular exercise has a very positive effect on overall health, from lowering the risk of heart-related incidents to increasing bone density. Why not get some exercise through bowling? It’s competitive, and adrenaline rushes tend to increase heart rate, also possibly contributing to better heart health. Furthermore, bowling is really fun!

One might not consider bowling to be a proper form of exercise. However, bowling actually utilizes many different muscular groups. For example, knees are bent during the approach, the core is kept tight, legs are used to approach the lane, and arms are used for throwing the ball. While bowling is not an extreme cardio workout or a heavy weight lifting routine, it is a well-rounded combination of exercise that definitely helps burn calories.

At a later age, getting the proper amount of exercise can definitely become challenging. One of the greatest things about bowling is the bowler’s ability to choose and customize the ball. At later ages, it is paramount not to use too heavy of a ball, because of the amount of excess strain it can put on the body. Having the ability to select the best weight and fit for one’s individual specifications makes enjoying some light exercise a lot easier. Most other sports
are not as adaptable because they do not allow such customization of the game.

There are not too many sports in which young children can fully participate. Light bowling balls and the availability of ramps make bowling a plausible activity for children of any age. While they might not have the ability to fire a fifteen-pound bowling ball down the lane like an adult, they can still roll the ball (whether using a ramp or not) and experience the various nuances of bowling. It also teaches kids about aim, and how to adjust where they are aiming, in order to make their next shot more successful. These are all healthy skills for young children to learn and to even utilize in other areas of their lives.

From the social aspect of bowling with a group of people to the concentration necessary to successfully knock down pins, bowling assists in keeping the mind active. Bowling well encompasses a great deal of hand-eye coordination. A great amount of focus is also required to be able to consistently duplicate a good shot. Additionally, bowling requires alertness in order to adjust and compensate for whatever bowling conditions to which one may become subject.

Regardless of age, bowling is a good exercise for both the body and mind. While children can learn important developmental skills, elders can benefit from exercise and mental stimulation. In a time where staying active is increasingly challenging, bowling is a fantastic way to burn calories while keeping the mind sharp.

Why An Ornamental Aluminum Fence is a Great Addition to Your Home

Why An Ornamental Aluminum Fence is a Great Addition to Your Home

By Dalton Fence in Dalton, Georgia

Privacy fences are a must-have in today’s society. From protecting homes, businesses or land, adding a fence only increases a property’s security and value. Installing ornamental aluminum fences can add beauty to such property as well.

Ornamental fences come in a wide variety of types and styles. Various ideas are available to consumers, including garden fences with aluminum bars and chains linking them all together. Adding caps to the posts is another easy way to enhance a property’s fence. There are thousands of caps to choose from, and they can be added sporadically or continuously, with options that are endless! Light caps are often the most effective and preferred way to light up a dark, fenced-in yard.

Ornamental fences may seem like a large purchase. However, such an investment holds great value when thought of as an investment in the value, safety, and beauty of the property. Even with professional installation, ornamental fences are affordable and require little maintenance upkeep. Ornamental fences are also great options for protecting gardens and pools.

With so many customizable options and placement opportunities, it’s easy to personalize a backyard or office courtyard!

Contact Dalton Fence Today to get a Free Quote on a New Ornamental Aluminum Fence.

Find Dalton Fence online or call Kevin at 706-278-6366

What Are Punitive Damages?

What Are Punitive Damages?

By the Dennis and King Law Firm In Chattanooga, TN

In some personal injury cases, a jury may award the injured person punitive damages. The judge will instruct the jury to award punitive damages if the jury finds the defendant’s behavior exceptionally malicious or reckless. Unlike compensatory damages, punitive damages are intended to punish the negligent person and to deter future wrongdoing.

Unlike the other type of damages, economic and non-economic, punitive damages are not meant to compensate the injured person for his or her losses even though the injured person receives the damages from the defendant if the jury awards them.

Tennessee and Georgia allow an injured person to sue for punitive damages when the proof indicates the defendant’s behavior is grossly negligent, intentional or reckless.

The injured person must have a good reason and a good evidentiary basis to prove such punitive damages. If there is little to no evidence in support of the injured person’s charge that the defendant displayed “gross” or intentional misconduct, then the injured person or their attorney could face sanctions by the court. The court does this to prevent frivolous lawsuits.

Punitive damages are meant to punish the defendant and not compensate the injured person for losses caused by the injury. Punitive damages are designed to prevent other people from behaving in the same or a similar reckless way. For example, punitive damages are appropriate in a “road rage” car collision.

Limits on Punitive Damages

Tennessee caps punitive damages at $750,000 dollars. Georgia places no such cap on punitive damages.

If you or a loved one has been injured because of someone’s negligence, such as in a car wreck, you may be entitled to compensation including punitive damages. Because personal injury claims are usually complicated, it is always in your best interest to work with an experienced personal injury attorney in order to maximize compensation.

Pat Dilbeck – BeneFit for Women Member Spotlight

BeneFit for Women Member Spotlight

Pat Dilbeck

Pat Dilbeck has been a member of BeneFit for Women for over two years. Pat’s goals initially consisted of lowering her triglycerides and improving her diet. She has been successful in meeting these goals. Additionally, Pat has found that working out at BeneFit has relieved a great deal of stress and anxiety in her life. She states, “I came to the gym when I realized I had to do something. I was at my ropes end and there was no more room on the rope to tie knots anymore.” She is also very excited about a BONUS accomplishment. Pat has become a pro at something she had not done since elementary school and it has become one of her favorite things to do at the gym. As pictured, one can see she enjoys the HOOLA HOOP! Pat also enjoys the fellowship, camaraderie, and friendship she has found at the gym. She passes the word about BeneFit at church, at the herb store and wherever else she goes. Pat has been very active in the Walk for Alzheimer’s in years past and this year she participated in the 20th annual Grateful Gobbler 5K. Although Pat has undergone many trials in her life she is nevertheless strong and resilient! She proclaims her glue is Jesus and she knows God has always had His hand in her life. I think I speak for us all when I say that we are all very blessed to have Pat in the family of BeneFit!

Knowno Pre-Order | Anti-Addiction Book & Card Game

CHATTANOOGA, Tenn., Dec. 20, 2019 /PRNewswire/ — Anti-addiction book and card game called “Knowno” being released December 25th at 12 am for pre-orders!

Knowno may reduce or prevent drug addiction in kids by allowing children to practice 100’s of times “saying no to drugs!”

Players will know the losses of things they value in life if they are in contact with anything that has to do with drugs, whether using or selling.

In the Knowno Master children’s book, kids will see and read about quirky animals in an action-packed comedy. These quirky characters go from hero’s to Knowno Masters!

Honorary Knowno Masters can be earned by anyone young or old, by playing with a child or giving as a gift!

So join us in the war on drugs!

Mount up all Knowno Masters and Honorary KM’s!

The Knowno Master’s card game and book are available for PRE-ORDER PROMO $30 + $5 (S & H) + tax for Both the KNOWNO MASTERS CHILDREN’S book and CARDGAME on December 25th at 12 am (midnight.) To order, go to knowno.store and click on “Shop Now.”

Media Contact:
Katherine Fry

SOURCE Carmen Schreane

What Are the Benefits of a Remote Starter?

What Are the Benefits of a Remote Starter?

By The Radio Clinic in Chattanooga, TN

A remote starter comprises a convenient feature of many modern-day vehicles. Whether purchased as an aftermarket accessory or installed as a factory option, a remote starter allows a driver to start a vehicle’s engine with remote control, usually in the form of an electronic key fob. Besides the obvious advantage of stepping into a warm (or cool) vehicle, there are several benefits to having a remote starter.

The biggest benefit of a remote starter is the comfort of having a vehicle that is warm or cool prior to entry. By leaving the heater or air conditioning in the “on” position, a driver can then activate the remote starter. After waiting several minutes, the climate control then warms or cools the vehicle as needed. Because the vehicle is operating without the keys in the ignition or the driver present, most remote starters also include controls allowing for the remote securing of a vehicle, ensuring the safety of the vehicle and any individuals who will eventually occupy it.

There are further safety benefits of having a remote starter. By allowing an icy vehicle to warm up before driving, it is easier to defrost or scrape the windows. This action subsequently results in greater visibility and safety for the driver. Warming the vehicle also melts snow and ice that can obstruct the headlights or brake lights, making the vehicle more visible to other drivers, especially in snowy conditions.

Warming a vehicle, prior to driving, is also beneficial to the engine. In order for the vehicle’s climate control system to start producing warm air, the engine must first warm-up as it runs. Because the vehicle idles for several minutes prior to being driven, the engine oil becomes more viscous and provides better lubrication once the driver is ready to depart. This warm-up period is especially beneficial for cars or trucks with diesel engines. However, gas engines also benefit from this feature.

A remote starter also increases the resale value of a vehicle, especially if it is operated in an area with extreme climate conditions. While it may not be as important as the vehicle’s overall condition or mileage, it can still be a useful selling point or a reason to demand more value for a trade-in at a dealership.

For further information on this product or to purchase a remote start, please go to www.theradioclinic.com or call The Radio Clinic in Chattanooga, TN at 423-894-0994