JoAnn Sitton – BeneFit for Women Member Spotlight

BeneFit for Women Member Spotlight

JoAnn Sitton

JoAnn came to BeneFit for Women over five years ago when her doctor recommended strength training for strengthening her bones and muscles. Weight lifting stresses the bones, rebuilding bone density and reducing the risk of osteoporosis. Strength training and weight bearing exercises can even reverse osteoporosis, which JoAnn is working to avoid. JoAnn’s bone density has improved since she became a member and she is fully expecting her upcoming scan to show even more improvement.

JoAnn has recommended the gym to several of her neighbors and her cousin who are now BeneFitters! They love being part of the BeneFit community of friendly people working on some of the same goals and sharing time with each other. It is easy to see how everyone can reap the benefits of working out for stress reduction and for overall physical and mental well-being.

JoAnn loves her family, especially her dear grandsons. One of the grandsons is an awesome swimmer looking forward to college next year, while the other is a talented wrestler in the tenth grade! She enjoys family time, attending CrossPoint Church, and free pie Wednesday at O’Charley’s.

If you are looking for a great gym, JoAnn highly recommends BeneFit for Women because of the friendly atmosphere as well as the knowledgeable, helpful and friendly staff.

We are happy to have JoAnn and all the ladies she brings our way! Thank you JoAnn for the kind words and recommendation!

Custom Suits Versus Off the Rack Suits

Is There Really a Significant Difference?

By Custom Suits USA in Knoxville. TN

An individual can look relatively acceptable in an off-the-rack suit. However, if one wishes to look exceptional, with the very best in fit, fabric, and style, then wearing a custom suit is what is truly required.  In essence, a custom suit will always put one ahead of the game in comparison to off-the-rack options.

Consider these six reasons to buy a custom suit:

1. Custom Suits Always Provide the Best Fit. 

When an individual pulls a suit off the rack, they are inevitably compromising on fit.  While a pair of trousers might encompass the perfect length, they are, likewise, probably too short in the arms. Furthermore,  while the trousers might fit one’s waist, they are likely not ideal in the thighs. Off-the-rack suits are made to fit a lot of people generally, rather than a unique person, individually.   In contrast, a custom suit is a game-changer, tailor-made to fit every part of the body with unmatched precision and accuracy. When a suit fits absolutely correctly, it is easy for an individual to move and look their very best.

2. A Sophisticated Appearance and Style

One might try to get away with an off-the-rack suit. However, individuals wearing off-the-rack suits are not dressed at the same level as those wearing custom suits and anyone with an eye for detail will immediately notice the difference.  Wearing custom suits assists one with fitting into the best-dressed crowds, instantly showing everyone that they are dressed for success.

3. The Personal Touch

With custom suits, individuals are never caught off-guard, wearing the same suit as anyone else. This is because custom suits encompass a wide range of components that contribute to their uniqueness. For example, factors include lapel, buttons, cuff shape, color, patterns, fabric, custom shirts, and more.

4. Superior Materials

In addition to the very best tailoring and fit, custom suits are made with higher-quality materials than simply off-the-rack varieties. This means that fine fabrics add to the look, feel, movement, and longevity of custom suits.

5. An Exemplary Shopping Experience.

Instead of going from store to store, feeling slightly unsatisfied with the look and fit of every single suit, individuals can get exactly the suit for which they are looking. Rather than searching all over town for a suit that fits generally, one can purchase a suit that fits their body specifically.  Clients can request highlights, changes, or the accentuation of any specific feature. Purchasing a custom suit allows the customer to receive what exactly is desired, without compromising on quality and wasting an entire day aimlessly shopping.

6. A Lifetime of Wear.

A quality tailored suit, made of the finest materials, can last a lifetime with the proper care. This means that even though custom suits come with a higher price tag because of quality materials and increased labor, one receives excellent value for the money spent.

At Custom Suits USA, we create quality custom suits to fit every occasion. In order to begin your custom suit experience, visit our website at customsuitsusa.com or contact one of our custom tailors at 865-555-1212.

What Does a Personal Injury Complaint Look Like?

What Does a Personal Injury Complaint Look Like?

By the Dennis and King Law Firm In Chattanooga, TN

A personal injury complaint is a formal notice to the defendant that the injured person, or complainant, intends to seek damages for the harm the defendant allegedly caused. A personal injury complaint kicks off the lawsuit of an injured person. It is comprised of multiple paragraphs, each numbered and containing an allegation to which the defendant must answer. The complaint also stops any statute of limitations from running.

A personal injury complaint, very generally, states the injuries that the victim allegedly received, the defendants that allegedly caused the harm, how the victim sustained the injury, the legal basis for the complaint, and the number of damages to which the complainant claims they are entitled. Legal complaints are official and lawfully written according to certain legal rules.

Here are just some of the topics a complaint must contain:

Jurisdiction

In the first few paragraphs, the complainant needs to state why the particular state, county, and court should hear their case. This is called “jurisdiction.” The proper jurisdiction is determined by looking at both the facts of the case and how they fit in with the jurisdictional statutes. The jurisdiction, or place, in which the complaint is filed usually depends on where the injury occurred, where the complainant lives, where the defendant lives and, sometimes, the amount for which the complainant issuing. These factors are normally codified in either state statutes (and sometimes federal statutes) or court rules. Whatever rule or statute upon which the complainant is depending to determine jurisdiction must be cited in the complaint.

Here is an example of jurisdictional paragraphs:

  • “The defendant resides in Hamilton County, Tennessee. The incident complained of herein occurred in Hamilton County, Tennessee. Therefore, jurisdiction in this court is proper.”

Factual Allegations

This part of the complaint allows the complainant to explain how the injury occurred and why the defendant is negligent and responsible. A good lawyer begins advocating for the complainant’s side in the factual allegations.

Factual allegations do not have to be extremely specific or numerous. However, they do need to clearly state the facts surrounding the actual injury. However, the complainant never wants to include too many factual statements in the complaint. This is because the complainant might find later that the evidence does not shape-up to fit very specific allegations. Factual allegations should tell the complainant’s story without boxing them in or allowing the defendant too much breathing room.

Here is an example of a well-stated factual allegation:

  • The defendant negligently failed to yield to oncoming traffic and, as a result, struck the complainant’s vehicle.

Legal Allegations

Just getting hurt is not enough to recover damages. The plaintiff must allege that they have a legal right to the damages they claim are due from the defendant. Legal allegations are divided into sections called “counts.” Each count represents a different legal basis for recovery.

A personal injury complaint must at least include a claim that the defendant exhibited negligence and violated a duty owed to the complainant. An example of an allegation of a negligent count might be:

  • The defendant owed the complainant a duty of due care in the operation of their motor vehicle. The defendant violated this duty by following too closely.

As one can see, legal allegations are simply an application of the law to the facts of a particular case, showing how the defendant violated a legal duty. Negligence allegations must state the defendant’s duty under the law, how the defendant breached the duty, how the breach of duty caused injury to the complainant and how the breach of duty damaged the complainant.
The formal complaint in a personal injury case is filed with the court and served on the defendant. It starts a personal injury lawsuit and is one of the single most important documents filed in any lawsuit.

The Basics of a Commercial Kitchen

The Basics of a Commercial Kitchen by G & G Services in Rossville, TN.

A commercial kitchen is a wonderful place. It is where cooks prepare meals for families, friends, and neighbors.  In order to prepare the amount of food a commercial kitchen serves in a day, industrial-grade equipment is needed. The layout of a commercial restaurant kitchen must be designed to allow the seamless flow of food from the prep to the line area.

Sometimes a new restaurant has a great location but a small kitchen.  This factor dictates the kind of kitchen equipment needed. For example, a six-burner gas range might look very appealing.  However, many smaller kitchens will only accommodate a four-burner range. It is crucial to think strategically about a restaurant’s kitchen area before signing a lease.

The kitchen is the heart of a restaurant.  More specifically, it is the place where the restaurant’s menu comes to life. It is also the restaurant’s center of the action. It is where food is prepared, cooked and plated.  It is also home to the dishwasher, food ingredients, and all the various utensils, including dishes, as well as cooking equipment.

A commercial kitchen can have dozens of people coming and going throughout any given shift.  As a result, it is important that the kitchen is well organized. This not only saves time during the busy rushes, but it also helps the staff avoid accidents and reduces excess waste.

The kitchen is one of the biggest investments that go into opening a new restaurant. A $250,000 loan might seem like a lot of money, but it can run out quickly after one has invested in new, or even used, ranges, grills, ovens, and coolers.

When purchasing new kitchen equipment, remember that, just as with a new car, these items depreciate the moment they leave the showroom. Look at the quality of the brands offered and always make sure that the equipment comes with a warranty.

Here are the basics needed to get started:

  • Range
  • Oven
  • Grill
  • Deep-fryer
  • Reach-in cooler
  • Walk-in cooler
  • Freezer (either a chest, upright, or walk-in)
  • Sauté pans
  • Stock/soup pots
  • Saucepans
  • Baking sheets
  • Pizza screens
  • Baking pans
  • Tongs
  • Spatulas
  • Ladles
  • Chef’s knives
  • Pizza paddle
  • Whisks
  • Mixing bowls
  • Plastic inserts for coolers
  • Steam table
  • Entrée plates
  • Pasta bowls
  • Appetizer plates
  • Salad plates
  • Dessert plates
  • Metal or plastic shelves for walk-in cooler
  • Cleaning rags
  • Cleaning buckets (specifically labeled for cleaning products)
  • Rubber floor mats
  • Hand soap and sanitizer dispensers
  • Fire extinguisher

Depending on the commercial kitchen’s size and concept, a restaurant owner might exclude some of these items.  Furthermore, a restaurant owner might need additional items more specific to the restaurant’s concept. For example, a restaurant might need an ice cream maker if the restaurant offers artisan ice cream, or bread pans if the restaurant offers bread in-house. One must consider every aspect of the menu plan and kitchen layout when developing the restaurant’s equipment list.

If you are in the process of opening a restaurant or simply in need of equipment for a commercial kitchen, please call G and G Services at 1-706-891-6729 or see their website at gandgservicing.com.

What is Gross Negligence?

What is Gross Negligence?

By the Dennis and King Law Firm In Chattanooga, TN

Gross negligence refers to behavior that demonstrates a conscious disregard or indifference for the safety, life or rights of others. It differs from ordinary negligence, which is defined as “a violation of a general duty to behave with reasonable care.” Instead, gross negligence has the added feature of recklessness.

An example of gross negligence is a father who repeatedly allows his ten-year-old son to operate a tractor without supervision. The young boy runs over a man and, as a result, the man’s leg is amputated. The jury subsequently awards the victim compensatory and punitive damages. This is because the child’s father encouraged his young son to operate a tractor without adult supervision. The jury finds that such behavior constitutes gross negligence.

Ann Orr – BeneFit for Women Member Spotlight

BeneFit for Women Member Spotlight

Ann Orr

Ann Orr is a proud member of Benefit For Women. She is also a proud mother of two and grandmother of four. Ann is very active in her community and attends Boynton United Methodist Church where she teaches an adult Sunday school class. She is also the President of United Methodist Women. Additionally, one Wednesday a month, before the Wednesday night service, Ann can be found in her church’s kitchen cooking dinner for over forty-five church members!

Ten years ago, a physician-diagnosed Ann with diabetes. She came to BeneFit for Women to lose weight and lower her A1C. In four very successful months, she lowered her A1C and lost thirty pounds!

This year, Ann underwent rotator cuff surgery. She continued her recovery at BeneFit For Women with the exercises she learned in physical therapy. Most of the equipment she used in physical therapy can be found at our women’s only gym! Many ladies have been referred to Benefit For Women for the purpose of continuing the good habits learned while in recovery for an injury or surgery.

Ann enjoys weight lifting, but her favorite activity is using the rowing machine. She likes to row for cardio because it is easy on her knees and, at the same time, her upper body gets a good workout. Ann also likes the lat/row machine because it builds strength along the back and across the shoulders. She is also learning to push herself with the elliptical machine. Initially, Ann could only utilize the elliptical for two to three minutes at a time. This week she reached her goal of one mile on the elliptical in seventeen minutes. Her new goal is two miles!

Ann says she enjoys visiting the gym for the purpose of relieving her mind of all peripheral stress. She enjoys the pleasant atmosphere and wants to get as much of that into her week as possible.

Ann has a good piece of advice for any woman looking to feel better and be healthier. She knows a nice, clean place with friendly women and encouraging staff- BeneFit for Women.

We appreciate Ann and all of our friends at BeneFit For Women. Please share happy times and awesome experiences with us!

Misconceptions Regarding Social Security Disability

Social Security is a social insurance program funded primarily by payroll taxes. Collected in accordance with the Federal Insurance Contributions Act, this program constitutes the federal government’s largest expenditure.

Three Common Social Security Myths

Social Security is a controversial topic. Nevertheless, many opinions regarding this issue are based primarily on myth. Following are some common misconceptions regarding Social Security:

  • Social Security will be unsustainable by 2037
  • Social Security benefits are earned
  • The Social Security program is bankrupt

While claims such as these are based on some truth, they are nevertheless greatly exaggerated. For example, while the federal government is in substantial debt, the Social Security system still distributes funds to those with disabilities. Additionally, disabled individuals without gainful employment can still, in certain instances, apply for Social Security benefits. Furthermore, our Social Security system will arguably retain its sustainability long after 2037. Unfortunately, myths such as these regarding Social Security often discourage people from applying who genuinely need it to survive.

Contact Us

Do not allow Social Security myths to inhibit valid Social Security claims. For questions or assistance in filing a Social Security disability claim, please contact Rodney Bennett at (706) 866-8021 or get more information online at www.bennettlawgeorgia.com

Things To Consider When Starting Your Own Business

So if you are thinking about opening your own business, be aware of the different types of property and casualty insurance you might need before opening up shop!

Most small businesses need insurance. It is imperative that you research and become aware of the types of insurance you need before welcoming clients into your commercial property or sending sales representatives out into the field to sell your product. Different types of commercial property and casualty insurance include:

Workers’ Compensation

Workers’ compensation is insurance that covers the cost of medical care and compensation for income lost by employees because of an occupational injury or disease that occurred while at work. Different states have different worker’s compensation laws.

  • In the state of Tennessee, all employers “in the construction business or trades (construction service providers) that have one or more employees unless they are specifically exempted,” must provide worker’s compensation to their employees.
  • Effective March 1, 2011, owners of construction businesses are also required to carry workers’ compensation coverage on themselves or be listed on the Exemption Registry.
  • Every other employer in the state of Tennessee that has five or more employees must secure workers’ compensation insurance coverage for their employees either by purchasing a policy from an insurance carrier or by qualifying as a self-insured employer with the Department of Commerce and Insurance.
  • Employers in the coal mining industry must secure coverage if they have one employee. Family members, part-time employees, and corporate officers are included when determining the number of employees if they meet the definition of employee.” (1)

Business Owner’s Policy

A business owner’s policy combines property and general liability insurance coverage into one single policy. By purchasing this coverage together, business owners are typically able to achieve more competitive rates.

Commercial Auto

Commercial auto insurance encompasses liability and physical damage insurance for company-owned vehicles. It also includes company coverage of vehicles used for company business but owned by employees.

Excess Insurance

A commercial excess insurance policy provides additional coverage for liability claims exceeding financial limit specifications.

Umbrella Policy

An umbrella policy provides additional liability coverage for claims exceeding the financial limits of general liability, auto, business or employer’s liability insurance policies.

Additional commercial coverage options include:
  • Directors and Officers Insurance
  • Errors and Omissions Insurance
  • Fire and Flood Insurance
  • Product Liability Insurance

For further information regarding commercial property and casualty insurance, please contact Christin Sylar of Phoenix Insurance at (423) 892-6046. If you are considering opening your own business, she is fully licensed and qualified to advise you on what you need to get started.

 

  1. www.tn.gov

Holiday Lighting with Elite Property Maintenance in Chattanooga, TN

Holiday Lighting with Elite Property Maintenance in Chattanooga, TN

With Halloween passed and Thanksgiving quickly approaching, Christmas is just around the corner. The holidays are such a busy time of the year, it is typical to end up with a very long to-do list of all the tasks that need completion. For most homeowners, hanging up Christmas lights is one of the larger tasks appearing on this list.

When it comes to hanging Christmas lights, it is easy to think this is a simple task. Yet, as most homeowners experience each year, hanging Christmas lights is not so simple. Whether one is dealing with light bulb issues, bad weather, or the lack of proper tools and equipment, something always seems to extend the project longer than expected.

Having an issue with a string of lights? No worries. The Elite Property Maintenance team has extensive experience with installing lights and will promptly find a solution to any challenges that may arise. Hiring a service like Elite Property Maintenance to hang one’s holiday lights means that clients can be one hundred percent confident that the lights will be hung and cords are hidden. Furthermore, the finished product will look exactly the way clients envision it.

Elite Property Maintenance offers a fully comprehensive package; from designing a beautiful display, providing the lights, professional installation, removal at the end of the season, and storage during the off-season. Included in the package is comprehensive-no questions asked-replacement or repair of any lights that malfunction during the holiday season.

This year, let a professional put those pesky Christmas lights up for you! Elite Property Maintenance ensures a quality job done in a timely manner. With professional Christmas light installation, one does not need to worry about fitting this time-consuming task in your busy schedule, climbing any ladders, or battling burned-out light bulbs. Instead, simply call Elite Property Maintenance and get a free quotation! Doing so will make one’s house the envy of the neighborhood.

Whether a potential client has additional questions or wants to discuss the details of having Christmas lights professionally hung, Elite Property Maintenance is here to answer all questions. Call 423-541-2008 today to speak directly with an Elite team member or get more information online at eliteholidaylighting.com.

Why Outsourcing A Company’s Bookkeeping Saves Time and Money

With Gentry and Associates, CPA

For business owners, keeping accurate books is paramount.  Making mistakes adds up, especially if those mistakes lead to an audit or bankruptcy. With thirty percent of small businesses failing within two years because of expenses outweighing profits, it is more important than ever to keep accurate books. Hiring a CPA to perform bookkeeping tasks is not without cost, but it can save a lot of money in the long run.

Even the most seasoned business owners make bookkeeping mistakes when they lack the proper experience. Mistakes encompass data entry errors, missing entries, double entries, and confusion regarding types of expenses. A trained bookkeeper with a keen eye is less likely to make such mistakes.

Part of a bookkeeper’s role is to pay bills, maintain a budget and accurately invoice with timeliness. It’s easy to fall behind on paying and accounts receivable when one is running their own business. No more late fees and getting paid on time are just some advantages to an outsourced bookkeeper.

When business owners hire a bookkeeper, they can then direct their time and efforts elsewhere. Bookkeeping is a task that is important, detailed, and, optimally, distraction-free. Hiring a CPA as your bookkeeper allows business owners to focus on their business and not worry about the books.

Depending on the size and complexity of the business, a bookkeeper can be full-time, part-time, temporary, or contracted. Each choice comes with its own benefits. Whether a company is comprised of one individual or many, outsourcing this important task is often the best alternative. Doing so permits the bookkeeper an element of objectivity often necessary for the successful completion of bookkeeping tasks. Also, adjusting bookkeeping to a company’s needs is an important factor in saving a company money and can be more easily achieved in this manner.

With a bookkeeper, it is easier to assess where a company stands financially. Overall financial assessments display where money should be dispersed, allocated or saved.  A bookkeeper can simplify and explain confusion and concepts.

Outsourcing a company’s bookkeeping provides many benefits with a great deal of flexibility. For accurate, stress-free bookkeeping in the greater Chattanooga area, contact Gentry and Associates for more information at (423) 648-6240, or find out more online at gentrycpa.com.