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MAY
Students hear science behind growing
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Issue # 108
FOCUS THIS ISSUE
2014
A voice for
businesses in the
Upper Cumberland
Construction
Long-awaited Park Theatre renovation underway
MEDICAL
PROFILE
LIZ ENGEL CLARK | UCBJ Editor
Lisa Morris
10
Is your money safe?
Local business loses
big to cyber fraud
LIZ ENGEL CLARK | UCBJ Editor
UPPER CUMBERLAND – It only took
a matter of minutes. More than a dozen
transactions. And it was done. Just like
that, one Upper Cumberland business
found itself out $90,000 thanks to cyber
thieves who successfully hacked an
operations account.
Now, more than 60 days later, that
business is still battling to recover its lost
funds – and seems to have hit a brick wall
when it comes to any type of investigation.
The attack occurred in February. Using
the business’ own online credentials,
hackers logged into an Automated
Clearing House (ACH) account, which is
SEE FRAUD | 20
Presorted
Standard
U.S. Postage Paid
Monroe, Ga
Permit No. 15
ati
UPPER CUMBERLAND
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BE CONNECTED. STAY INFORMED.
MCMINNVILLE – The sign out
front says it all, big and bold, in black
and white: “Let the construction
begin.” After more than a decade
and with the overture of a number
of political and financial hurdles,
renovation of the historic Park
Theatre in downtown McMinnville is
finally underway.
And there are high hopes tied to
the refurbishment of this former
1930s movie house turned dilapidated
office space and, more recently,
vacant city-owned structure. After
a couple million is spent to upgrade
the building – construction is now
underway – officials hope the theater
will once again serve as a beacon
for downtown and spur additional
development along Main Street.
But it will take at least a year to get
to that point, and at first glance, it
might be hard to picture the potential
as Park Theatre undergoes extensive
deconstruction – as things are
uncovered that had been covered up
over the years. There’s already a new
roof, a planned expansion out the
back wall for a stage and the needed
restoration of the terrazzo floors and
art deco architectural features, among
other items. Luckily, the building itself
has pretty good bones.
“It’s kind of sat idle for years. It was
not in the best of shape,” admitted
McMinnville Mayor Jimmy Haley.
“It’s a major renovation. We’re going
to have to do all the electrical, all the
SEE theatre | 11
Cookeville continues its apartment boom
How much is too much multi-family
development? City still hasn’t reached
its tipping point, officials say.
LIZ ENGEL CLARK | UCBJ Editor
COOKEVILLE – “If you build it,
they will come.” It’s not just one
of the most popular movie lines
of all time but seemingly the
mantra of area contractors
who continue to construct
multi-family or high-dense
housing in Cookeville.
Ask James Mills, director
of the city’s planning
department, or Jeff Littrell,
who heads up the department
of codes, and they’ll tell you
that they thought Cookeville
had reached its capacity for
those types of structures years
ago.
But the demand still stands. In
2013, for example, more than 50
related building permits were filed:
for new single-family attached
townhomes, duplexes and multifamily additions. The estimated cost
of those projects topped $6 million.
There’s no indication that will slow
in 2014, Littrell said.
Whether that’s good or bad for
Cookeville can be debated. But the
new construction does support the
city’s high rental population. At
last census count, 56.5 percent of
Cookeville’s housing was classified as
rental-occupied. The remaining 43.5
percent are owner-occupied units.
While some of the newer townhomes
coming online today are available for
purchase, it’s still one statistic officials
are keeping their eye on.
“It seems weekly we get inquiries
for apartment developments, and we
get a lot of requests for rezonings to
allow apartments,” Mills said. “We’re
not anti multi-family, we just have
concerns about the percentage gap,
which is approaching 20 percent. But
talking to the larger owners of these
apartments, they’re running full or
close to full. So, there’s apparently a
demand.”
It’s demand he attributes to
Tennessee Tech. The university hasn’t
built any additional new student
housing since 2004. Its current dorms
can accommodate 2,250 students,
according to residential life. Tech
enrolls more than 10,000 undergrads.
Cookeville’s overall population has
also increased.
But it’s not just Cookeville.
SEE apartments | 18
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CLASSIFIED
2014 MAY
3
Food trucks serving up mobile menus in the UC
LIZ ENGEL CLARK | UCBJ Editor
UPPER CUMBERLAND – Slinging
burgers and fries from the average 26-foot
mobile trailer may not sound like the most
appetizing eating environment, but foodies
everywhere have taken to the food truck
movement. It’s among the hottest trends in
the restaurant industry, a combination of
convenience and cool. It’s also proved to be
a profitable business model for most with
less overhead and expenses. Which is exactly
why Michael Holland of Mike’s Munchies
jumped into the game in the small town
Lafayette.
While not technically a food truck – it’s
actually a pull-behind trailer – Holland’s
operation runs much like others across the
state – and country. Some three million are
cruising the streets. These restaurants-onwheels, which go way beyond the mobile
UPPER CUMBERLAND
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Editor
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food carts of old, serve everything
“Sometimes it’s hit or miss. We’ll
from pizza and tacos to bistro
be super dead, then one person
sandwiches and desserts, like
will pull in and four other cars will
Holland’s “Dessert Dog,” a
follow,” Holland said
hot dog with whipped cream,
“We have all kinds of fast food
Hershey’s dark chocolate and
here, (and) a few small places, but
cinnamon.
there’s not really an American-style
More prevalent in bigger cities
restaurant in Lafayette,” Holland
– there are more than 30 active in
added. “The problem is people go
Nashville, for example – there’s
out of town to eat, to Gallatin or
a smattering parked in various
Lebanon. I saw an opening there.”
Upper Cumberland spots, from
Holland said he always wanted his
McMinnville to Cookeville and
own business. He has no idea what
C.J. Gerndt’s food truck, Meadow’s Pharm, served up food at a private event.
Macon County, of course.
year-end sales may be – although
“People do really get excited about it.
one week in March did better than his
we basically can go anywhere,” Gerndt said.
I’m amazed all the time,” Holland said. “It’s
Gerndt’s business model is a little different whole February – but it’s good to be out on
really gone over very well.”
his own.
than Holland’s. Meadow’s Pharm is seen
But is the Upper Cumberland to a point
“A restaurant would be nice, but it’s a lot
mostly at private functions.
where it can support more offerings of this
of headache, and it takes a lot of money to
“I would love to be able to park at city
business structure? Maybe – but maybe not.
start,” he said. “I don’t have a lot of overhead,
hall or at the courthouse twice a week, that
C.J. Gerndt, who operates the mobile
which is nice. There’s no rent payment,
would be really super cool, but Cookeville’s
catering unit Meadow’s Pharm, had a
there’s no huge light bill. So I’m able to
just not there yet,” she said. “It’s really
restaurant by the same name on Cookeville’s difficult; there are a number of issues you
give more food, better food, and still be
WestSide, but it closed in 2011. She
competitively priced.”
have to go through. We started out doing
purchased her food truck in 2012; this will
Plus, he joked, if the locals get tired of his
events like Fall FunFest but we never made
be her third summer season selling lighter
cuisine, he can just load up and leave. He
any money off it. So we decided to only do
fare like chicken salad, casseroles and more.
private functions, and that’s how we want to does plan on traveling to some area summer
While there is expense, of course, food
events. He even thinks a regional food truck
operate. We can bring the food to you.”
trucks are attractive because there’s much
festival, where a number of vendors could
Holland thinks Lafayette is to the point
less start-up cost, no brick-and-mortar to
come together, might be possible.
where it can support his business. He sets
maintain and less staff.
“I think the business is definitely there for
up almost daily on College Street just off
“The truck is a full commercial kitchen, so Highway 52.
food trucks,” Holland said.
Livingston Regional Hospital names Fenton CEO
LIZ ENGEL CLARK | UCBJ Editor
LIVINGSTON – Joanne Fenton,
MBA, BSN, FACHE, a veteran hospital
administrator with more than 30 years of
health care experience, has been named
CEO of Livingston Regional Hospital,
effective April 21.
Fenton will replace interim CEO Ron
Tyrer, who has held the position since
December 2013 in place of Mike Meadows.
“We are fortunate to have someone with
Joanne’s experience as both a hospital leader
and as a nurse to lead Livingston Regional
Hospital moving forward,” HighPoint
Health System CEO Susan Peach said.
Livingston Regional joined the HighPoint
system in 2013. “Joanne has worked in both
for-profit and not-for-profit hospitals and
has been successful throughout her career
in improving operations, reducing staff
turnover, leading quality improvement
campaigns to meet 100 percent compliance
with core measures, and increasing patient
satisfaction. She will be an excellent asset to
the hospital and to
the community.”
Fenton comes to
Livingston Regional
from Hospital
Corporation of
America (HCA)
where she was
interim executive director of the continental
division, a division of HCA consisting of
nine hospitals in Colorado and Kansas.
From 2011-12, Fenton was CEO of the
Ernest Health Inc.’s North Colorado Long
Term Acute Hospital, a 20-bed for-profit
hospital in Loveland, Colo. Prior to that role,
she was CEO of St. Mary’s Hospital, a 116bed general acute care facility in Streator,
Ill., from 2008-11.
Among other leadership roles, Fenton
spent 10 years with Banner Health, serving
as interim CEO of Banner Lassen Medical
Center in 2008, and in chief operating
officer and chief nursing officer roles at
Banner North Colorado Medical Center
from 1999-2007. During her time at Banner
North Colorado Medical Center, Fenton
led the hospital’s first hospital/physician
strategic planning session and led the
construction of a $130 million construction
project to include a heart hospital. She also
led the hospital to earn recognition as one
of the nation’s top 100 hospitals, to win a
Colorado Performance Quality/Excellence
award, and to achieve recognition in clinical
excellence by HealthGrades, a well-known
national quality reporting organization.
Fenton earned her master of business
administration degree from University of
Phoenix, Denver, Colo., and a bachelor of
science in nursing degree from University
of Florida, Gainesville, Fla. She is a fellow
of the American of College Healthcare
Executives.
The HighPoint Health System includes
three additional hospitals, including
Sumner Regional Medical Center in
Gallatin, Riverview Regional Medical
Center in Carthage and Trousdale Medical
Center in Hartsville. For more information,
visit www.highpointhealthsystem.com.
4
MAY 2014
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Does voting really matter?
And they’re off
Early voting for the May
primary is underway and the
anticipation – already – is just
killing me. Who will win? How
much money will be spent? Will
my predictions hold true?
Politics – especially and most
particularly on the local level – has
always been a favorite topic of mine,
despite the fact that I’m probably the last
person you’ll find in the deep throws
of a heated diplomatic discussion.
Having covered city and county
government for years, I got to see my
representatives working first hand. Sure,
it was my job, something I was paid to
do, but I also walked away much more
knowledgeable. I knew how’d they vote.
I knew what they’d say. Almost to the
T. Scary. I could tell you the good ones
from the bads.
But now? Now that I’m more
engrossed with the business
community’s 9-5…not so much. It’s like
VIEWPOINT
LIZ CLARK
UCB J EDITOR
I’m an ordinary citizen. I have to vote
more on stump speeches and campaign
promises than actual meeting notes
and first-hand experiences. As much
as I’d love to make the rounds once
more at the nightly city council and
county commission meetings that used
to consume my life, I’m just not ready.
That’s what six years in the trenches will
do, I guess.
So, I know that it’s probably
hypocritical to point a finger and
say, “Do your research!” “Meet the
candidates!” or “Don’t just vote for soand-so because their mom’s aunt’s
sister went to church with you!” I could
go on.
But, seriously, we spend more time
Googling the best cell phones, dog food
or ways to cook a chicken than we do
CLASSIFIED
ucbjournal.com
An exposé on elections, business
parks and…food trucks?
getting to know the people in office
meant to represent us. Short of getting
all Susan B. Anthony-like, at least think
about it. Do your homework.
Switching gears
I get asked a lot of questions when
I make my rounds in the region, and
one in particular that has surfaced
more often than not in recent weeks is
regarding the Highlands Business Park.
More specifically,
when is that gosh-darned thing going
to be finished?
Well, keep asking. I’m assuming that
after having so many deadlines come
and gone, the city is a little gun-shy
about giving another target completion
date – but sewer is still seemingly the
biggest culprit.
But that’s not to say the park’s at a
stand still. Marketing has been ongoing,
and more recently, Putnam County and
the City of Cookeville were honored
with a Rebuild Tennessee award from
the Tennessee Development District
Association.
So how about that. The park’s not
even officially open and it’s already
receiving an award – hopefully that’s a
good sign for things to come
And lastly, onto lighter fare –
pun intended
I was excited to write about food
trucks this month after having
experienced their splendor in other
cities. I am so used to the tried and true
in the Cookeville restaurant scene that
I’ll even admit, this is an option that I
sometimes overlook.
I’ll also admit that I had some notso-nice connotations about the quality
of food, but I’ll be the first to admit
(again) that I have been proven wrong.
Try them out. I promise you won’t be
disappointed.
Liz Engel Clark is the editor of the Upper
Cumberland Business Journal. She can be
reached at [email protected].
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2014 MAY
CLASSIFIED
5
Five Facts: An inside look at new CRMC COO Scott Williams
LIZ ENGEL CLARK | UCBJ Editor
COOKEVILLE – Scott Williams
can remember it clearly. The day – or
evening, rather, since he was working
the night shift as a surgical ICU nurse
at an East Tennessee hospital – he knew
he wanted a role in administration.
Frustrated, having a particularly tough
round, he told himself, “one day, I’m
going to be in a role where I can make a
difference in how a hospital runs.”
Fast forward to today and Williams
is trying to make that difference at
Cookeville Regional Medical Center
(CRMC), having started in March as the
hospital’s newest chief operating officer
(COO). It’s been years since that role
has been filled at CRMC, dating back
to 2010 with the promotion of former
staffer Dr. Menachem Langer to CEO.
But in a day and age of increasing
health care complexities – on
governmental, medical and operational
fronts – it’s a vital hire for the hospital
and current-day CEO Paul Korth.
“I think Paul is being proactive in
seeing the changes that are coming, to
say, ‘I’m going to put pieces in place that
will assist the organization strategically
for the long term,’” Williams said. “With
the Affordable Care Act, Medicare
cuts, baby boomer volumes…what
are we going to do? How are we going
to operate a hospital efficiently and
effectively with high quality with those
challenges in front of us? It’s a dramatic
change.”
With that being said, here are five
facts you should know about the region’s
newest COO:
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1. He came from a tougher
market. Roll Tide?
Prior to his move to Putnam County,
Williams served as CEO at Northwest
Medical Center in Winfield, Ala. While
his nine years there were enjoyable,
they were also challenging, he said. As
a state, Alabama is known as one of the
toughest reimbursement climates in
which to operate.
Williams is using that experience as
an asset.
“I’m familiar with working in
a reimbursement climate that’s
challenging. You have to learn to be
efficient in what you do,” he said.
“Where Tennessee has multiple
insurance providers, in Alabama, 96-97
percent of the commercial market is
Blue Cross Blue Shield, so they have
a stranglehold on the commercial
market in Alabama, and as a result,
the reimbursement system is extremely
poor in the commercial realm. That,
combined with Medicare and Medicaid
cuts, made it a very difficult climate in
which to operate a hospital.
“I think Cookeville Regional is
doing a great job operationally and
strategically, but I think my value is
to come in and work closely with the
administrative team to help take the
vision of the board and Paul Korth and
to move it forward,” he added. “My
function is to look at the nuts and bolts
of the hospital and see how can we make
this machine run even better.”
2. His nursing background is
also a strength
While he’s no longer rounding on
patients on the hospital floor, Williams
is still close to patient care while
managing the hospital’s day-to-day
operations.
“(Being a nurse) helps me understand
how operational decisions impact
patient care,” he said. “We have to
understand that operational decisions,
whether it’s in nursing, food services
or security, either directly or indirectly
impacts patient care.”
And it’s not just nursing experience.
He’s got plenty of leadership experience,
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6
MAY 2014
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CLASSIFIED
ucbjournal.com
Uncertainty still surrounds
Tennessee ‘guns in trunks’ law
Conflicting opinions
given by Legal Services
and Tennessee Attorney
General
On Jan. 13, Tennessee Lt. Gov.
Ron Ramsey received a legal opinion from
the Tennessee General Assembly’s Office
of Legal Services regarding the “guns
in trunks” law passed by the Tennessee
Legislature in 2013. The legal opinion found
that it was not necessary for the Tennessee
Legislature to clarify with new legislation
that an employee could not be discharged
for having a gun in a locked vehicle if
the employee had a concealed handgun
carry permit, because the law
already provided this legal
protection to employees.
This legal opinion
conflicts with the
opinion provided
by the Tennessee
Attorney General
on May 28, 2013.
In that opinion, the
Attorney General
concluded that, even after
the “guns in trunks” law was
enacted, a Tennessee employer could
still prohibit employees from having guns
in their locked vehicles on the employer’s
premises and the employer could terminate
the employment of employees violating the
employer’s no weapons policy. Neither of
these opinions are binding upon employers
or the courts.
On Feb. 5, the Tennessee Senate rejected
an amendment to the “guns in trunks”
LEGAL
JEFF JONES
SPECIAL TO THE UCB J
law that would have explicitly prohibited
employers from discharging employees with
a handgun permit who have a gun in their
locked vehicles at work. Unless and until the
Tennessee Legislature further addresses the
issue through new legislation, it will likely
be up to the Tennessee courts to decide
this question of whether an employer can
lawfully discharge an employee with a carry
permit for having gun in a vehicle at work.
Some Tennessee employers continue
to maintain and enforce their
no weapons policies, in
reliance on the Attorney
General’s opinion.
Other employers
have added an
exception to their
policy for handgun
permit holders in
recognition of the
“guns in trunks law.”
Yet other employers have
dropped their no weapons
policies entirely. Until the courts rule
on the issue, employers cannot know for
sure what they are legally entitled to do
with regard to guns on their premises.
Hopefully, this uncertainly will be removed
by the courts or the legislature in the not too
distant future.
Now accepting 2014 Ovation nominations
Nominations are now being accepted for the 2014 Upper Cumberland
Business Journal’s Ovation Awards. These awards honor businesses,
organizations and individuals in our 14-county region for excellence and only
apply to businesses/organizations/individuals in the UCBJ service area.
Visit www.ucbjournal.com/ovation.php
for category details and submission guidelines.
Nomination deadline is May 15. Winners published in the July/August edition.
Jeffrey G. Jones is a regional managing member for
Wimberly Lawson Wright Daves & Jones PLLC. He can be
reached at [email protected].
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feature
Gore to speak at Smith
chamber annual meeting
CARTHAGE – Former
Vice President Albert Gore
Jr. has been announced as
this year’s speaker for the
Smith County Chamber of
Commerce annual meeting
and banquet June 9.
Gore is co-founder and
chairman of Generation
Investment Management. He is also a
senior partner at Kleiner Perkins Caufield
& Byers and a member of Apple Inc.’s board
of directors. Gore spends the majority
of his time as chairman of The Climate
Reality Project, a non-profit organization he
founded that is focused on solutions for the
global climate crisis.
Gore was elected to the U.S. House of
Representatives in 1976, 1978, 1980 and
1982 and the U.S. Senate in 1984 and
1990. He was inaugurated as the 45th vice
president of the United States Jan. 20, 1993,
and served eight years.
He is the author of
bestsellers “Earth in the
Balance,” “An Inconvenient
Truth,” “The Assault on
Reason,” “Our Choice: A Plan
to Solve the Climate Crisis,”
and most recently, “The
Future: Six Drivers of Global
Change.” He is the subject of an
Oscar-winning documentary and is the corecipient, along with the Intergovernmental
Panel on Climate Change, of the 2007 Nobel
Peace Prize.
Billy Woodard, executive director of the
chamber, said they asked Gore to speak
“because he renowned worldwide.” The
former VP also has family roots right in
Smith County as well as a current residence.
Gore resides in Nashville.
For more information about the
banquet or the Smith County Chamber of
Commerce, call (615) 735-2093 or visit
www.experiencesmithcounty.com.
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2014 MAY
CLASSIFIED
7
Event center plays on historic charm
LIVINGSTON – There’s a lot of history
surrounding the Upper Cumberland’s
newest venue.
Built around 1900, the South Church
Street Event Center in Livingston has served
as an antique store, a wholesale grocery, even
Livingston Shirt Factory.
Today, the newly repurposed open space,
about 5,500 square feet with the ability to
seat 200-300 guests, is open to host a variety
of events, from weddings, business dinners
or fundraisers, reunions, church functions
and more. While smaller-scale venues like
South Church Street may be a dime a dozen,
organizers say it’s the building’s background
that sets it apart – plus the ability for its
renters to completely customize their event,
from lighting, seating and more.
“There are a few places (available to the
community here), and this is another space,
but it’s a different kind of space,” said
Shirley Price, marketing and booking
coordinator for the center. “I would say the
large open room (sets it apart), the historical
value that it has and its rustic look. You have
many opportunities to make it your own. It’s
just different.”
Building owner Johnny Holman bought
the building, located at 313 S. Church St.,
down from the town’s courthouse square,
around 1989, he said. It’s definitely required
upkeep over the years; most recently, the
floors have been finished, new windows
installed and a dressing room and stage area
with room for a band added. There’s also a
small kitchen and bar.
“At one time, during the days of the shirt
factory, this was the best part of Livingston
to be in,” he said. He’s hoping the building’s
new purpose will help renew activity.
“This will help this part of town,” Price
said. “People know there’s things happening
down here. There’s plans in the works to fix
the sidewalks, including our side, and make
better parking.”
Price said they’ve received numerous
inquiries since officially opening in January.
The center’s online calendar shows a number
of events scattered throughout the year.
“We wanted to have a place you could
come in and make your own,” Holman said.
“There’s nothing (else) like this.”
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8
MAY 2014
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Tom Sergio
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ucbjournal.com
President, J.A. Sergio & Sons
LIZ ENGEL CLARK | UCBJ Editor
SPARTA – Tom Sergio isn’t exactly the type
to wear a tie – at least not in his day-to-day
9-to-5. It’s one of the reasons he ditched his
real estate career following graduation from
Tennessee Tech with a finance degree. He
figured he was much better suited – no pun
intended – for construction. It didn’t hurt that
he grew up around the business, when his dad
was a building contractor in Wisconsin before
moving the family south to Tennessee in 1980.
“I’ve done all kinds of different jobs,” Sergio
said. “I sold real estate for a while. I milked
cows on the farm.
“I realized what I really liked to do was
build things,” he added. “To be able to walk
away from a finished product with a sense of
accomplishment.”
The move, meanwhile, had put the elder
Sergio at a crossroads – even though he was
semi-retired, word spread quickly that he had
a building background.
“He was remodeling our house, and people
found out that he did building, so he started
doing a little bit of remodeling for this person
and a little bit of remodeling for that person,
and before you knew it, he was back into it,”
Sergio said.
“When I graduated from Tech, we just kind of
joined (together) and decided to go into business.”
Thus, J.A. Sergio & Sons was born.
In its infancy, the company, which incorporated in
1989, consisted of Sergio, his dad and his mom. Tom’s
brother Jim joined in the early ‘90s; he still operates
almost exclusively in the field. Later came brothers
Don and Dave – who later left to operate Calfkiller
Brewing Company full time. Today, Sergio has about
12 employees on staff and performs most jobs in the
greater Upper Cumberland area of Putnam and White,
even Van Buren.
“We have always done a little bit of everything,”
Sergio said. “We started out with some remodeling,
additions, things like that. Then we built several
CLASSIFIED
EXECUTIVE
PROFILE
PROFILE
houses. EXECUTIVE
As jobs came available, we never really backed
UPPER CUMBERLAND BUSINESS JOURNAL
UPPER CUMBERLAND BUSINESS JOURNAL
away from them. We’ve done residential, commercial,
industrial work. Dollar volume wise, we probably do
more commercial work, but as far as sheer number
of projects, it’s probably 50/50 (commercial and
residential).”
Some of its most recent jobs include the renovation
of the old Heritage Ford building for the Cookeville
Public Works Department. Sergio & Sons is also
remodeling the former Sylvan Learning Center on
Veterans Drive – which it built nearly 20 years ago
– into a doctor’s office. There was also a memorable
residential project – they built a home on East Sixth
Street that became the first solar house in the city
back in 2009.
“We’ve grown a lot over the last 10 years,” Sergio
said. “We’ve got quite a bit of work right now.”
That’s not to say Sergio is entirely confident in
a full-scale return to pre-recession building levels.
While the company’s overall growth has been
positive, there were a few years, admittedly, where it
was flat.
“There were times when you took a job just to keep
the guys busy,” Sergio said. “You had to step out of
your comfort zone just a little bit. Through the last
several years, surviving meant you were doing good.
And we managed to do that (survive).
“It seems like this year started real strong,” Sergio
added. “Housing looks good. Commercial looks like
it’s backed off a little, but the housing market is still
strong.”
Outside of work, Sergio is married and has three
kids. He currently serves as president of the Home
Builders Association of the Upper Cumberland
(HBAUC), which also named him 2013 Builder of
the Year, largely, he said, for his contributions to
the non-profit group. He did urge young builders
– like he was himself when he first joined HBAUC
in the late ‘80s – to get involved in their trade
organizations.
“That opened up a lot of doors and allowed me to
meet a lot of people,” Sergio said. “It’s an all-around
good thing. Any time you’re able to get with others
and talk about what you do, it’s good, because we’re in
competition, but we’re all friends, too.”
He attributes the success of J.A. Sergio & Sons to
preparation – and its ability to adapt over the years.
“Part of being a general contractor is you end up
learning a whole lot of different things. We normally
end up doing (everything) ourselves,” he said. “You’ve
got to do what you say you’re going to do, but you also
have to look far enough down the road to prepare
for the hard times. We’ve always been willing to do
whatever it took to keep eating, so to speak.”
Tom Sergio is president of J.A. Sergio & Sons, a full-service general
contractor in Sparta. For more information, call (931) 738-5550 or visit
http://sergioandsons.com.
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ucbjournal.com
FROM williams |5
too. While Williams began his career
as a registered nurse at Johnson City
Medical Center, he rose through the
ranks of management. Stops included
CEO at Sycamore Shoals Hospital in
Elizabethton, Tenn., COO at Shelby
Baptist Medical Center in Alabaster,
Ala., and administrator and chief
nursing officer at Johnson County
Health Center, Inc. in Mountain City,
Tenn.
Most recently, he served as CEO at
Northwest Medical Center in Winfield,
Ala.
“I’m closer than you think,” he said
of this role today. “I can see the impact
of the folks we have helped in the
community.”
3. Now in assessment mode
With just weeks under his belt in his
new position, Williams might still be
in an assessment phase. One general
goal is to better communicate to staff
and community members the vision of
Korth and CRMC’s board of trustees.
But some more specific, near-future
benchmarks might have to do with
increasing volumes, upping customer
satisfaction and bettering outcomes
across the board.
“It’s (about) how are we going to
effectively grow our volumes?” Williams
asked. “How do we improve customer
service? How can we have better
outcomes medically? How can we
navigate the financial pitfalls that are in
front of us and be more effective in what
we do? In order to achieve the goals, we
have to work together collaboratively.”
4. Health care today? It’s a
balancing act
There’s little debating that the health
care landscape has changed. There’s
been a shift in how care is paid for,
//
OPINION
//
feature
EDGERS
BRUSH MOWERS
profile
an increased interest in improved
outcomes, and a heartier focus on
preventative programs.
But mixing the traditional model
of health care, one that an aging
population has grown to expect, with
the more modern, rapidly changing one
of today, could cause a clash among the
cultures.
Williams said CRMC is going to have
to be more flexible in the way it delivers
care and how it communicates that
delivery to patients.
“I’m sort of a baby boomer…and
the way baby boomers and greatest
generation folks look at health care is
very different than Gen X and the Gen
Y’ers,” he said. “The problem with that
traditional model, because of the health
care reimbursement changes, 20 years
ago, a physician could see 20 patients
in (his or her) office and be able to
make a good living. Today, that same
physician may have to see 40 or more.
Another culture change hospitalist,
and a lot of physicians have elected to
stay in their office and not see patients
in the hospital. For the baby boomer
generation, that’s a hard pill to swallow.
It’s a difficult culture change for them.
We have to help them understand it.
“The challenge is we’re trying to meet
the needs of everybody,” he continued.
“I think we’re being successful with
that, but at the same time, it presents its
challenges.”
5. Last stop, Cookeville?
It didn’t take long for Williams to feel at
home at CRMC – that happened within
the first week, he said. And after 30
years in the business, he’s hoping to end
his career here.
“It just seems like a perfect fit, and it’s
going to be a great organization to work
with,” he said. “I hope I can walk out
of here after 15 years and say, ‘OK, I’m
done, this is my last stop.’”
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9
feature
//
profile
//
Lisa Morris
column
//
MEDICAL
PROFILE
PROFILE
MEDICAL
Nurse navigators
serve as advocates and a resource
UPPER CUMBERLAND BUSINESS JOURNAL
UPPER CUMBERLAND BUSINESS JOURNAL
for patients undergoing tests and treatment for cancer.
The impact? Improved patient satisfaction, positive
changes in patient attitudes, increased understanding
of the disease process and patient perception of more
timely and accessible treatment.
CRMC reported a total of 150 breast cancer cases in
2012, the most recent year data was available.
“When you hear the cancer word, you freeze,”
Morris said. “You just think, ‘I can’t believe this is
happening to me, what am I supposed to do next?’
It’s not like having your gallbladder taken out: you go
to the surgeon, he sets it up and you’re done. Breast
cancer’s totally different. There’s imaging, biopsies,
pathology, appointments here, appointments there.
It is a maze for people to try to get through. It’s been
proven time and time again that navigation decreases
anxiety and fear for patients during this process.”
Morris steps in as soon as a patient receives news
of abnormal imaging. She sets up a biopsy, educates
the patient and talks them through what’s going to
happen, even meeting them at the surgeon’s office for
the procedure. If the pathology comes back negative,
she may talk to the patient about breast health and the
importance of regular mammograms.
In the event of a positive diagnosis, she’s there, too.
After the surgeon goes over respective options, Morris
talks to the patient briefly and makes an appointment
for them to come to her office. Face-to-face, she goes
over the pathology and reiterates the treatment plan.
“My new diagnosis education (sessions) are driven
by the patient,” she said. “That says a lot about our
hospital, that they place such an emphasis on the
patient and their breast cancer journey.”
Post-op, Morris helps make further appointments
for radiation, etc. At that point, she steps back, “just a
little bit,” she says, because patients are usually being
seen every day. After treatment, she picks them back
up, and carries them to “survivorship and beyond.”
“You form these lifelong friendships with these
patients, because it is a journey,” Morris said. “From
day one until the end, whether the end is death or
total remission, we have a bond.”
And it’s not a role she takes lightly. She’s been able
to help her sister through the process as well as close
friends. Unfortunately, her mother passed away before
seeing her daughter realize her dream.
“(It) would really make her day, to know this is what
I did,” Morris said. “She always said, ‘Lisa, they need
your hope, your smile. They need the encouragement
you can give them.’ There are times when (this job
is) sad for me, but I rely on my faith to give me that
strength and help these ladies.”
Services are available to anyone in the Upper
Cumberland, Morris added.
“It’s going great here,” she said. “The surgeons
are great to work with, radiation oncology, medical
oncology, the radiologists, pathologists, even people in
the community, they’ve been great to work with.
“This is my calling, and I love it,” Morris continued.
“I love what I do, because I have such passion for it,
and because there is such a need.”
Lisa Morris is the breast nurse navigator at Cookeville Regional Medical
Center. For more information about the nurse navigation program,
contact Morris at The Women’s Center at (931) 783-2628 or lhmorris@
crmchealth.org or visit www.crmchealth.org/find-care/centers-excellence/cancer-center/nurse-navigator-program.
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by more than half. CRMC’s average time
for stopping a heart attack is 43 minutes! As
a matter of fact, we have been recognized
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we’re the only health care facility in the
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ucbjournal.com
Breast Nurse Navigator
at Cookeville Regional Medical Center
LIZ ENGEL CLARK | UCBJ Editor
COOKEVILLE – Most moms dream up big careers
for their kids. Doctors, lawyers, and the like. While
Lisa Morris always wanted to be a nurse, even when
she was a child, it was her mom who wanted her to
find a focus in oncology. And for pretty good reason:
her mother had breast cancer, her middle sister has
breast cancer and her younger sister has experienced
cancer, too, endometrial stage three.
Morris, who had a background in women’s health
and pediatrics, wasn’t exactly resistant about that
specific career path, but she was unsure.
“I just didn’t know about it,” she said. “My mother
really felt very strongly for years that’s what (I should
do), especially when she went through that process
herself with breast cancer. It was probably always in
the back of my mind, but I never did it. Until the Lord
really pushed me.”
That “push” came not long after a move to the
Chattanooga area – where she also received her
master’s in nursing from nearby Southern Adventist
University. Morris, who says she’d never had a hard
time finding a job before, suddenly found herself
without work even after a series of applications. She,
instead, was drawn to a particular position as a breast
nurse navigator at Memorial Hospital in Chattanooga
but continued to ignore the signs.
“God kept telling me to apply for this job, and I’m
like, ‘no, I’m not going to apply for that,’” she said. “I
had never worked in oncology. But it just kept coming
and coming, and finally I said, ‘OK.’ They called me, I
went in and was offered the position.”
She helped start the nurse navigation program at
Memorial as part of a comprehensive breast center
there. And today, she’s nearing one full year as just the
second breast nurse navigator at Cookeville Regional
Medical Center (CRMC).
She said she hopes to grow CRMC’s program and do
more with survivorship – and possibly help add more
nurse navigators for other cancer disciplines. While
those longer-term goals are more difficult to define,
it’s the day-to-day that seems to have the greatest
impact.
CLASSIFIED
E
//
RY I N T
OPINION
NA
//
O
news
in U.S.A.
S • C OR
APRIL 2014
RE
10
news
ucbjournal.com
//
OPINION
//
feature
plumbing, central heat and air. A
lot of people say, ‘Isn’t it almost
done?’ Well, we only started a
little bit ago. We are moving
quickly, and so far we’ve had no
major glitches.”
“It is a very well-built building
for its days,” added Bill Brock,
McMinnville public works
director, who is overseeing the
project for the city. “We were
really surprised how solid it is.
It’s a great advantage.”
AFTER
•
//
column
//
CLASSIFIED
movies sometimes twice.”
But there were troubles, too. At one
point, a fire broke out in the theater.
In 1969, Park Theatre owner Cowan
Oldham died. And the ‘80s were
especially hard on downtown – as
businesses flocked to shopping centers
and strip malls. During the week of the
county fair in 1986, the Park Theatre
closed for good. One report attributes
Congratulations City of Cookeville on your new building!
COMMERCIAL
profile
the shut down to a contract
dispute.
“It was kind of sudden,”
Haley said. “By then, there
was a new theater out at
the mall…with all the
maintenance and upkeep, I
guess it was just too much.”
The theater did serve a
sort of second life. It was
converted to office space. In
FROM theatre |1
A grand attraction
It was 1939 when the Park
Theatre originally opened, and
to much fanfare – there was
an orchestra from Nashville
that performed, red carpet,
nearly 2,000 guests. Over the years,
hundreds of movies played out on the
big screen.
“As a kid, I used to come here all the
time,” Brock said.
“For a quarter, I could come and
spend all Saturday. Come in the
morning when they opened up, stay
till they closed that evening. Watched
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2001, a group of concerned citizens,
known now as the Park Theatre Group,
organized to help save the structure.
They wanted to restore it and operate
it as a venue for community theater,
music performances, workshops, senior
activities. Haley said they helped
negotiate a property swap between
the theater’s then private owner and
the city. McMinnville purchased the
building in 2002.
“They just saw this theater and saw
potential in it,” he said.
A decade later, in 2012, a referendum
was put on the ballot to approve a $2
million bond issue to finally rehab the
structure – it received 57 percent of the
vote. Work started in more recent weeks
after a little back and forth with the
state Comptroller.
“It was just hurdle after hurdle after
hurdle,” Haley said. “It was almost
an overwhelming task. A lot of folks
expected to walk in and see (the theater)
exactly like it was, that we could just
throw some paint on it, open the doors
and be ready to roll. It scared a lot of
people. It scared my board. I want to
thank them for being progressive and
wanting to make this an asset for the
city.”
2014 MAY
11
Haley said the theater will be multi
use: weddings, recitals, workshops,
music, plays. Possibly vintage movies at
some point in the future although that
kind of equipment’s not included in
the current budget. It should seat about
800. The first version of the theater had
about 1,000 chairs.
David Marttala, member of the
Park Theatre Group, said they are still
working with the city as far as handling
the future scheduling
and promotion of
events. Beyond the
economic impact,
he said the biggest
benefit would be the
educational element
the theater would
bring – opportunities
for children to be
exposed to theater,
arts and music.
“Kids from our
community have to
go to Nashville or
Murfreesboro to get
involved in theater.
We’d like to bring
that here so they
can have a lot more
exposure to cultural
events and the arts,”
he said. “We can put together some
pretty good programs next year.
“It’s been a long process,” he added,
“but it’s exciting to see it come
together.”
Construction is projected to take a
year, although Haley is hoping October
is feasible, since that will be the 75th
anniversary of Park Theatre’s original
opening date. Peter Metts, president
of AEI in Cookeville, did the initial
renderings. Another Cookevillebased company, W&O Construction,
submitted the winning bid for the
renovation.
Progress is being tracked via a time
lapsed video, and the Park Theatre
Group is posting occasional updates
on social media. They recently held a
“Construction Celebration” event to
mark the beginning of the end of a long
journey.
“People see promise in this; they
can’t wait to see that marquee lit (back)
up,” Haley said. “It was like, ‘this is
downtown, this is McMinnville, this is
who we are. This is what we can be.’ It’s
going to be an impetus, I think, to more
development downtown and people
will be able to create new memories for
hopefully the next 75 years.”
12
news
MAY 2014
//
OPINION
//
feature
//
profile
//
column
//
CLASSIFIED
ucbjournal.com
RICHARD LAWSON | Special to the UCBJ
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14
news
MAY 2014
BIZBUZZ
UPPER CUMBERLAND BUSINESS JOURNAL
UPPER CUMBERLAND BUSINESS JOURNAL
BIZBUZZ
Court upholds convictions in oil
drilling scam
UPPER CUMBERLAND – The U.S.
6th Circuit Court of Appeals recently
upheld the convictions and sentences of
two brothers – including one from
Cookeville – who defrauded thousands
of investors in an oil and gas drilling
scheme.
Michael D. Smith, 58, of Cookeville,
and 53-year-old Christopher Cello
Smith of Prestonsburg, Ky., ran a
company called Target Oil and Gas.
Prosecutors said the company asked
investors to fund drilling projects
in Kentucky, Texas, West Virginia
and Tennessee but used fraudulent
marketing materials and false
geological surveys to persuade them,
according to the Associated Press.
Michael Smith is serving a 10-year
sentence and has been ordered to pay
//
OPINION
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feature
$5.5 million in restitution. Christopher
Smith is serving a five-year sentence in
federal prison and has been ordered to
pay $1.6 million in restitution.
The case centered on how the
men raised money for Target Oil.
Prosecutors contend the company
raised $15 million from investors
between 2003 and 2008, but only paid
out about $1.19 million in royalties.
Several states issued a cease-anddesist order against Target Oil and
Gas that prohibited the company from
practicing business in those states.
Prosecutors said the Smith brothers
concealed this information from
potential investors.
Michael Smith was president of
Target Oil and Gas in Albany, Ky., and
controlling interest holder of Kentucky
Indiana Oil and Gas in Danville, Ky.
His brother, Christopher Smith, was the
company’s vice president.
Physician’s Urgent Care
welcomes new NP
COOKEVILLE – – Dr. P.K. Jain,
M.D., and the staff at Physicians
Urgent Care, Cookeville Medical
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//
profile
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CLASSIFIED
Clinic and Cookeville Medical Center
PC recently welcomed their newest
nurse practitioner, Edith Ruchelle
Steele, APN, ACNS-BC. Specializing
in both urgent care and family
medicine, including women’s health,
weight loss, primary care and minor
surgery, Steele is a Tennessee board
certified nurse practitioner. She is
welcoming new patients and most
insurances in both Cookeville and
Gainesboro locations.
Although she was born in
Cleveland, Ohio, Steele was raised
most of her life in Middle Tennessee.
She has been in the medical field for
more than 18 years with many years
in cardiac and emergency medicine.
She received her master’s in nursing at
Liberty University in Lynchburg, Va.,
with her graduate studies consisting
of adult acute care. Her goal was to
contribute to the quality of life in the
adult older population. Using a oneon-one approach, she aims to work
with her patients on wellbeing and
healthy lifestyle habits to help them
feel and get better.
In her spare time, she is active at her
church as a praise and worship leader.
She is married and is a second-degree
black belt. She has two sons.
Physicians Urgent Care, Cookeville
Medical Clinic and Cookeville
Medical Center PC offers two
locations: 225 N. Willow Ave.,
Cookeville, and 402 E. Gore St.,
Gainesboro. For more information,
call (931) 528-8899 or visit www.
cookevillemed.com.
Local builder named to national
40-under-40 list
CROSSVILLE – Isaac Zuercher,
president and
co-founder of
Crossville-based
Zurich Homes,
was named to the
2014 Professional
Builder “40 Under
40” list, an award given annually to
recognize “the young superstars of
homebuilding.” According to the
magazine website, the list’s honorees
“represent the next generation of
leadership and innovation” in the
field.
Zurich Homes is a design-build
firm with the majority of new
ucbjournal.com
builds centered in and around
Fairfield Glade. The company has
also specialized in energy efficient
building techniques that have
differentiated it from many other
firms in the area.
Along with his father, Stan, Isaac
Zuercher established Zurich Homes
in 2005 and has since constructed
more than 50 homes in the area, even
in the midst of the housing market
downturn. According to Zuercher,
a 2005 graduate of Tennessee Tech’s
business management program, his
team of seven employees has tailored
its skills to meet the specific design
needs of Fairfield Glade residents. The
Zurich Homes office is located at 44
Peavine Plaza #104 in Crossville.
“I work with clients, designers and
construction managers to ensure
each project meets its full potential,”
Zuercher said. “Added value through
superior design is my goal for every
client.”
Professional Builder, an awardwinning magazine with a circulation
of more than 125,000, has served
builders, designers and trade partners
across the country for 75 years.
Highlands Industrial Trade Show
scheduled for May 15
PUTNAM COUNTY – The
Cookeville-Putnam County Chamber
of Commerce’s existing industry
committee – in conjunction with the
Highlands Economic Partnership,
the former Highlands Initiative – is
hosting an inaugural Highlands
Industrial Trade Show from 9 a.m.-6
p.m. Thursday, May 15, at the HyderBurks Agriculture Pavilion. The expo
will showcase industrial businesses
in the four-county region of the
Highlands, which includes Jackson,
Overton, Putnam and White.
The goal of the show is to highlight
industry of all sizes and to facilitate
relationship building between
companies to benefit the economic
future of the Highlands. The firsttime event is already the largest-scale
industrial trade show in the region.
In addition to networking
opportunities, the trade show will also
have breakout seminars and a guest
luncheon speaker, Kenneth Adams
IV, grandson of late Tennessee Titans
owner Bud Adams.
news
ucbjournal.com
“The goal is to demonstrate our
region is serious about business and
more specifically industrial business,”
said Randy Adams, chairman of the
existing industry committee. “With
120 industries listed in Putnam
County alone, the need for a trade
show is twofold; first allowing an
opportunity to coordinate networking
opportunities and dialogue between
Highlands industries, and secondly
allowing outside industry prospects
to see what goods and services the
Highlands has to offer.”
The chamber’s existing industry
committee works to provide benefits
and assistance to local industries.
Meanwhile, the Highlands Economic
Partnership, launched in 2006 as the
Highlands Initiative by the Cookeville
chamber, is a collaborative, public/
private sector program designed to
boost economic and community
development in Jackson, Overton,
Putnam and White counties. It
is supported by more than 90
investor companies and government
organizations.
For more information or to register,
//
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//
call (931) 526-2211 or email Stephen
Crook at [email protected].
Sewell honored with green
jacket at leader’s retreat
COOKEVILLE – Charles Sewell and
Travis Giffey of Fidelis Financial
Strategies in Cookeville recently
traveled to a leader’s retreat in
Corlsbad, Calif., that was sponsored
by their broker dealer, FSC Securities
Corp. Of approximately 1,400
advisors who are part of FSC
Securities, only 117 individuals were
invited to the retreat. At the event,
Sewell was honored for his years
of experience helping his clients
achieve their financial goals and
was presented a Master’s Club green
jacket for his ongoing commitment
to his clients. Pictured, from left, are
YOUR
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2014 MAY
CLASSIFIED
Giffey and Sewell. Note: Securities
offered through FSC Securities
Corporation, member FINRA/SIPC.
Investment advisory and insurance
services offered through Compass
Advisory Partners LLC, a registered
investment advisor not affiliated with
FSC Securities Corporation. Fidelis
Financial Strategies is not affiliated
with FSC Securities Corporation
or registered as a broker/dealer or
investment adviser.
Technology students to benefit
from upcoming B2B networking
event
CROSSVILLE – The Cumberland
Business Incubator’s (CBI) technology
training program will be the
charitable recipient of donations
made at the upcoming Business
Cumberland B2B (business to
business) networking event, set for
3-7 p.m. Tuesday, May 6, at Forte’s in
downtown Crossville.
Donations will fund scholarships
for technology training to teach
website building, app development
and software code writing in a
15
number of different programming
languages. The cost of the training
is $25 per student per month. The
technology training is available to
anyone interested in learning these
skills.
The Business Cumberland B2B
event will allow business owners to
meet other business professionals
and potential customers/clients.
Refreshments will be served and a
cash bar will be available. Business
Cumberland is a local advertising
company promoting “preferred”
businesses serving Cumberland and
Putnam counties via expos, resource
directories, e-newsletters, website
and business-to-business events.
“Preferred” businesses have provided
evidence of satisfied customers. For
more information on exhibiting at
the event, contact Irene Blackburn at
[email protected] or
call (931) 338-0751.
More information about the
technology training program is
available via Holly Hanson, CBI
director, at hansonha@roanestate.
edu or by calling (931) 456-4910.
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16
news
MAY 2014
Tax-deductible donations can be
made to Roane State Community
College Foundation – CBI Technology
Training Program and mailed to the
CBI at 259 Cook Road, Crossville, TN
38572.
Habitat Builders Blitz returns in
June; labor and supply needs to
be filled
COOKEVILLE – Local homebuilders
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feature
are partnering with Putnam County
Habitat for Humanity (PCHFH) this
summer as part of Habitat’s Home
Builders Blitz 2014.
During the week of June 9, the
nationwide project seeks to build
300 homes with labor provided by
local professional homebuilders and
construction firms.
This year is the fourth national
Home Builders Blitz. The idea began
CLASSIFIED
ucbjournal.com
in 2002 in Raleigh, N.C., where
12 builders built 12 homes in one
week. Subsequent national Home
Builders Blitz events were held in
2006, 2008 and 2012. The event
provides professional homebuilders
the opportunity to use their skill
and talents to address the growing
need for low-income housing in
communities nationwide.
This is the third Home Builders
Blitz for PCHFH. One home will be
built locally for Angela Carter, a local
nursing student, and her 12-year-old
son Carter, who suffers from cerebral
palsy.
“This a great project that we look
forward to, because it engages so
many professionals in one quick week
and generates much excitement,”
said Pam Ealey, PCHFH executive
director.
Seth Hudson of HD Homes will
lead this year’s project.
“Our company participated in the
2012 Blitz, and I knew it was a project
I wanted to help with again,” Hudson
said. “I’m looking forward to working
with the great members of our local
building industry and see this family
have a home that fits their needs, a
real dream come true, in just one
week.”
The build has a variety of labor and
supply needs to be filled. For more
information about the Home Builders
Blitz, contact Ealey at (931) 528-1711.
//
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//
college of
graduate studies
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UC tourism group teams up with
Sparta trucking company to
promote region through ‘moving
billboards’
UPPER CUMBERLAND – The
Upper Cumberland Tourism
Association (UCTA) has added
a “moving billboard” to its list of
marketing materials.
The organization, which works
to promote the region’s tourist
attractions, recently teamed up with
Sparta’s CB Trucking to place decals
on the back of
the company’s
tractor-trailers.
CB Trucking,
owned by Paul
Bailey, has reach
in the eastern and mid-eastern United
States, and UCTA officials believe the
decals will be a great marketing tool
for the region – referring to the decals
as “moving billboards.”
The decal invites viewers to
follow them to Tennessee’s Upper
Cumberland. It also has a map of the
state of Tennessee with the Upper
Cumberland area in red.
UCTA’s board of directors
celebrated the inauguration of the
moving billboards at CB Trucking in
April 4.
news
ucbjournal.com
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New homes benefit more than just buyers and builders
UPPER CUMBERLAND – The only
people who benefit when a house is built are
the family members who get to live there,
and the builder who constructed and sold
the home, right?
Wrong. The positive impact of new
residential construction is far-reaching,
bringing benefits to families, businesses
and services throughout a community
immediately, as well as for years to come.
According to economists at the National
Association of Home Builders, the one-year
estimated local impacts of building 100
single-family homes in a typical metro area
include $21.1 million in local income, $2.2
million in taxes and other local government
revenue, and 324 local jobs.
But what does that economic impact mean
in the real, day-to-day lives of community
residents?
Just think about it. When a family moves
to a community and buys a new house,
they will likely shop at local stores to buy
furniture and accessories to decorate the
home. They will fill their car’s gas tank at
local gas stations so they can get to the stores,
have local mechanics work on the car when
it breaks down or needs the oil changed, or
buy a new car at a local dealer when it’s time
to replace the old one.
The family may need to hire local
companies for regular services to maintain
their home, such as landscaping, house
cleaning, pet sitters or pool upkeep.
The children will enroll in local schools.
This increases enrollment, meaning more
The Crown for Your Home
teachers, janitors, cafeteria workers and
other school support staff will need to be
hired.
Those kids will also join sports leagues
and other activities, buy equipment and pay
registration fees that provide stipends for
referees and coaches.
All of this economic activity puts income
into the pockets of local business owners and
their families, who can then afford to go out
and spend money themselves, which recycles
even more money into the community’s
economy.
The new family also pays local and state
taxes. These tax revenues help pay for a wide
range of government services, including
school teachers, police departments, refuse
collection, parks maintenance and road
repairs.
Over the long term, as the families who
move into new homes become part of the
community, their positive impact continues.
NAHB estimates that those 100 new homes
also provide the community with additional,
annually-recurring impacts of $3.1 million
in local income, $743,000 in taxes and other
revenue for local governments, and 53 local
jobs.
Families who buy a newly built home
enjoy benefits including safety, amenities,
energy efficiency and floor plans to fit a
modern lifestyle. But the advantages of
new homes extend far beyond the buyers
and the builders—residential construction
has a positive, direct impact on the local
community for years.
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MAY 2014
FROM apartments |1
Other UC county seats have high
percentages of rental-occupied units,
too. Jamestown has the highest at 65.8
percent; others sit around the 50/50
mark. The state’s percentage of rentaloccupied housing, as a comparison, sits
around 31.8, based on 2010 census data,
and in the UC only one county seat,
Spencer, had a rate less than that.
“There’s more factors than people
realize,” Mills said. “There’s the housing
market and the ability to get loans. That
makes it more difficult to purchase.
And just the economy in general. We
hope the economy is going to turn
around, and all indications are that
it will. We hope that will spur more
single-family development. We’ve
already seen a bit of that.”
Henry Bowman, an analyst with
the Upper Cumberland Development
District, added that the numbers looked
much different once you got outside to
the county level. Putnam, for example,
had a 35.9 percent rate of rentaloccupied units. Fentress stood at 22.1.
The Upper Cumberland as a whole has a
rate lower than the state at 26.3 percent.
“You can see what’s driving it; it’s
news
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Tech students by large
CITY
RENTAL OCCUPIED
RENTAL OCCUPIED
measure,” Bowman
(# units)
(percentage)
said. “Certainly in the
Jamestown
574
65.8
Cookeville situation,
there’s nothing negative
7,044
56.5
Cookeville
about it. They contribute
2,298
50.7
Crossville
to our local economy,
obviously, but they do
2,778
49.4
McMinnville
screw up our statistics
869
48.1
Smithville
pretty bad.”
Census data is one way
533
47.7
Woodbury
builders try to gauge
426
46.8
Carthage
demand, which is often a
tough proposition, sources
172
44.9
Gainesboro
said. Housing reports
841
44.5
Lafayette
can be helpful, but focus
more on metropolitan and
279
43.0
Celina
national levels.
695
40.9
Livingston
“It’s all risk,” local
builder Aaron Bernhardt
820
40.6
Sparta
said. “If the units we are
138
39.8
Byrdstown
currently building do not
sell or lease, we stop and
168
26.6
Spencer
wait about six months.
792,960
31.8
Tennessee
Then we try again. We
are always monitoring
family, even for larger-scale commercial
and questioning ourselves
development. Mills said Cookeville’s
when we build.”
biggest surge right now is in townhome
Overall, Littrell said his office has
construction. That looks to be a trend
seen several inquires across the board
that will continue.
so far this year, for apartments, single-
ucbjournal.com
OWNER OCCUPIED
(# units)
OWNER OCCUPIED
(percentage)
298
34.2
5,427
43.5
2,239
49.3
2,844
50.6
938
51.9
585
52.3
484
53.2
211
55.1
1,050
55.5
370
57.0
1,006
59.1
1,201
59.4
209
60.2
464
73.4
1,700,592
68.2
“I think you’re going to see a lot
more, and I think that’s a trend that
will continue, especially as land cost
goes up,” he said. “That’s a trend
nationwide.”
news
ucbjournal.com
Design trends for
2014 and beyond
UPPER CUMBERLAND – The National
Association of Home Builders recently
announced some of the newest trends in
design that homebuyers will see over the
next several years.
White on white – Cabinets, flooring,
backsplashes, counters, fixtures and
appliances are lightening up. Layering white
on top of white is a new approach in kitchens
and bathrooms that is giving way to a fresh
and light feeling. To achieve clean lines
and a modern feel, designers and builders
Picking the right
paint colors
UPPER CUMBERLAND – Choosing
the right paint color for your home can
sometimes be overwhelming. The National
Association of Home Builders recently
highlighted the top color trends in today’s
model homes and newly constructed homes.
Gray. This is a color that finds expression
in a many options. Expect diversity in this
new crop of grays, from warm brown-based
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are selecting European cabinetry, adding
shiny surfaces via appliance, backsplash and
countertop choices, and adding glass walls.
Bold exterior colors – Bold colors are
making their way to the exterior of homes.
Whether it’s through paint, a mix of
cladding materials, doors, windows, porches,
shutters or trim, an extra layer of drama is
being adding to the design of elevations,
further enhancing curb appeal.
Interior courtyards – Interior courtyards
are popular in all housing types. The
primary difference is scale. Within singlefamily homes, courtyards provide private
and safe outdoor living areas and are being
shifted to side yards.
Specialty lighting – Specialty fixtures
are “lighting it up” this year. Regardless
of whether it involves a custom or a stock
fixture, designers are finding ways to
showcase them as pieces of art rather than
just a functional element. Lighting is being
paired with wood ceiling details to further
enhance the room’s design and create a
feeling of warmth.
Historic style with modern flair – New
or remodeled homes, whether they are
Craftsman, prairie, mid-century modern
or another historic architectural style, are
adding modern flair to their traditional
designs through color, finish, fixture and
lighting selection, while continuing to be
influenced by the past through the use of
reclaimed building materials and classic
proportions and detailing.
Blurring the lines between inside and
out – Lines continue to be blurred between
the inside and outside of homes. No longer
limited to areas with warmer climates, this
is being seen all across the country. More
homes now feature moveable glass walls,
gourmet outdoor kitchens and interior
courtyard pools, adding more everyday
living space.
For more information about building
new home or remodeling project, visit the
Home Builders Association of the Upper
Cumberland at www.uchba.com.
grays to cooler, contemporary blue-grays.
Beige. This perennial neutral is back,
carrying gray undertones for warmth and
richness. Think taupe with a traditional
twist, accented with real linens and cottons.
Champagne. Imagine gold with a bit
of transparency. Decidedly sophisticated, it
plays well with the darker espresso woods.
White. It’s the return of white. Far from
creating a blank canvas, all white creates a
powerful statement. Balance it with metallic
and/or basic black for a sophisticated look.
Cobalt. Think vibrant and jewel-toned.
Expect to see this in family-focused and
empty-nester homes.
Emerald. Given its presence in both
earth tone and elegant settings, this green
was Pantone’s 2013 Color of the Year. Paired
with gray, emerald green speaks to both
young and mature buyers.
Purple. Anticipate seeing it in various
incarnations from wisteria to aubergine to
the most vivid violets. Use it sparingly for
added glamour and excitement.
Raspberry. When purple and red meet,
this pick is the order of the day. It’s a vibrant
statement solo, and one you’ll see combined
with grays and taupes.
Paprika. Flip through a current fashion
magazine and you’ll find dashes of rich, redorange paprika in abundance. This tone cuts
through visual clutter for exciting interior
presence and again is best paired with gray
for a contemporary look.
Metallics. We’ve seen nickel, copper,
chrome and gold shine in past seasons.
Expect to see these in more muted shades
such as the popular oiled bronze. Enameled
surfaces, gaining new followings, as well.
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510 W. Jackson St.
Cookeville, TN 38501
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931.526.5143
MAFFETT-LOFTIS.COM
ucbjournal.com
FROM FRAUD |1
used for electronic fund transfers like
direct deposit payroll or repetitive billpay. And over the course of 15
credit creations, or payments to
other financial institutions, most
of them out of state, the money
was siphoned away.
It’s likely some of the funds
will never be recovered,
business officials told the UCBJ.
The business didn’t have any
insurance that covers cyber fraud
loss. And unlike unauthorized
credit card charges, there’s no
government-backed protection in
this situation.
“Once (those funds) get out
the door, they’re out the door.
It’s like you gave them cash,”
said an official with the targeted
bank, who spoke on the condition
of anonymity, since the case is
ongoing. “The Internet calls
them money mule schemes. I
can try – and did try – to recall
it, and if the (other) bank still
has the money, they’ll return it.
But they’re under no obligation
to return the money if their
customer has already walked out
with it.”
Criminally, there seems to
be little recourse as well. While
the amount is enough to strap
a lot of small UC businesses,
possibly even closing their
doors, it apparently fails to
meet the threshold for serious
investigation.
The FBI wouldn’t comment
specifically on the case – or any
case – but Agent Scott Ryan of the
Cookeville office said there are
general rules, be it fraud, robbery
or theft, when it comes to the
level of their involvement.
“There are a number of
different of things that impact
whether we can pursue it.
Typically, the U.S. Attorney’s
Office only pursues things when
we’re talking about hundreds of
thousands of dollars,” Ryan said.
“A lot of times we see situations
where someone’s lost $1,000
or a couple thousand dollars.
Those are things we absolutely
cannot pursue just because it’s so
frequent, so common…that’s kind
of the way we’ve had to prioritize
things.”
Which is frustrating for both
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the business and the bank. Both have
tried to gain traction with Ryan and
others, they said, but have hit a dead end.
“We have this perception of the
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Federal Bureau of Investigation. And,
sure enough, if our local branch were
robbed at gunpoint, they would show
up and do an investigation,” the bank
Got insurance?
Cyber fraud policies gaining in popularity
LIZ ENGEL CLARK | UCBJ Editor
UPPER CUMBERLAND – Employee information is stolen. Important data is
compromised. A bank account is hacked. If your business is victim to any of the
above cyber attacks, are you prepared?
Most are not, according to a recent survey by Chubb, a national property and
casualty insurer. An estimated 57 percent of companies do not include cyber liability
insurance as part of their plan. And such situations, often times, are not covered on
a standard general liability policy.
The Upper Cumberland should take notice, local insurance professionals said,
as small businesses are increasingly under attack. According to security software
developer Symantec, companies with fewer than 250 employees were the focus of 31
percent of all cyber attacks in 2012 — a jump from 18 percent in 2011.
“Cyber liability is kind of a specialized coverage, but there are a lot of carriers
who offer it,” said Chuck Sparks, vice president and agency manager at BB&T-Legge
Insurance in Cookeville.
Sparks said cyber liability insurance, which can be written for businesses,
government entities or non-profits, has been gaining in popularity for the last six or
seven years. And that will likely continue, as more business is driven online – and
with greater public awareness following breaches like Target.
“We have seen an increase in that coverage being important to our clients, because
the cost can be devastating to a business that doesn’t have it,” he said. “The potential
cost to a business if they don’t have it is just as great now as it is insuring your home
against fire.”
So who needs it exactly? If you accept online payments or make payments online –
either personally or through a business – it’s highly recommended. If narrowing the
scope, Steve Copeland at Cumberland Insurance Agency in Cookeville said, medical
facilities, car dealerships, banks, credit unions, etc., are all high priorities.
Premiums vary greatly, but Copeland said a quality policy would likely cost a
minimum of $1,500 annually. CIA most commonly offers data breach coverage.
“Every business is different,” Copeland said. “We offer it, and we tell them what
it covers, show them the risk they have, and then they make their decision based
on where their data is stored and who’s got control. We try to offer it to every
customer,” he added, “but at the same time, some are more susceptible to breaches
than others.”
BB&T also offers identity theft coverage, which is optional on a homeowner’s
policy, but, Sparks said, “We don’t sell one without it.” Even if the customer’s not
thinking about it, we’re thinking about it,” he said. “There are full-time criminals all
over the world, where this is all they do, figuring out a way into your system. Every
time you open the paper anymore, there’s another situation
where credit card numbers or Social Security numbers have
been compromised. And it’s not going to go away.”
2014 MAY
20
official said. “I’m not saying they would
arrest anyone; that’s a matter of chance.
But they would at least show up and
investigate. I guess that’s the most
frustrating part.”
The bank is still actively working
to recover the lost funds – and has
implemented additional security
measures to further protect their
other ACH accounts. As of press
time, a little more than half of the
$90,000 had been put back. But the
chance the business will recoup all
its lost monies is slim. The banker
said he has talked to others in the
industry who have significantly
beefed up fraud departments
in response to similar fraud
situations. It’s a growing concern,
he added.
“For instance, we had more debit
card fraud last year than we had
loan loss. All our local competitors
will probably tell you the same
thing. That’s a paradigm change
for us,” he said. “Cyber crime has
really come to the forefront in the
last 10 years. It’s not just banks.
Everybody’s got networks, web
servers now. We’re our own worst
enemy because we have pushed
everybody to the Internet.”
As for steps businesses can
take for protection, Ryan said
the FBI has different materials it
distributes and presentations it
can give. The organization urges
virus scans be run prior to opening
any e-mail attachments to provide
an added layer of security against
malware.
The FBI also recommends
businesses use separate computer
systems to conduct financial
transactions. It’s also a good
idea to review accounts regularly
to quickly detect unauthorized
activity.
The business in question,
which also requested to remain
anonymous, wanted to share its
story to spread awareness. If it can
happen to them, officials said, it
can happen to anyone.
“It certainly does happen around
here,” Ryan added. “That’s the
thing about cyber crime. It’s just
as easy for someone overseas to
steal something in the middle of
nowhere Tennessee as it is in New
York City, because of the Internet,”
Ryan said. “It doesn’t matter where
you’re located. They’re just looking
for vulnerability.”
21
MAY 2014
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March collections show signs of strength
Region outgains state for first
time since September
UPPER CUMBERLAND – After a
somewhat lackluster holiday shopping season,
the Upper Cumberland showed signs of
strength in March in terms of state sales tax
collections.
Nine counties in the region outpaced
Tennessee’s growth year-to-year, including
Fentress (14.8), Pickett (14.1), DeKalb (11.9),
White (10.4), Macon (10.1) Jackson (8.9),
Cannon (8.6), Overton (6.9) and Putnam
(6.5). Those numbers helped push the Upper
Cumberland to a 5.9 percentage point gain,
while the state, as a comparison, saw a
smaller increase of 5.5 percent. The UC hasn’t
outpaced the state since September.
“I was pleased to see we exceeded the
state average – it’s been awhile since we’ve
been doing that on any regular basis,” said
Henry Bowman, an analyst with the Upper
Cumberland Development District, which
compiles the local numbers. “White County
turned in a good number (10.4); they’ve
been lagging. Putnam also had a good solid
number (6.5), which was better than the state
average.
“I sense that things are picking up,”
Bowman added. “That’s anecdotal (at best),
but the restaurants around here are packed
these days and traffic on the roads is very
heavy – I see all that as a good sign.”
Other counties seeing gains in March were
Smith (5.1) and Cumberland (4.7). Three
saw decreases, including Warren (-1.8), Clay
(-14.3) and Van Buren (-19.4).
Quarterly, the region’s numbers aren’t as
strong. The UC is up only 3.3 percent, while
Tennessee’s percentage gain stands at 4.0.
Annual numbers show a similar spread. The
region is up 2.4 percentage points, while the
state has improved 3.0.
CountY Cannon
Clay
Cumberland
DeKalb
Fentress
Jackson
Macon
Overton
Pickett
Putnam
Smith
Van Buren
Warren
White
UCDD
TN
Collections, which are considered just
one measure of economic activity, are based
on state sales taxes; local option taxes are
excluded. Sales data lags by one month; for
example, March numbers reflect February
activity.
“This February was also bad weatherwise – one of the worst we’ve seen in awhile
– so I take that as very positive (sign), too,”
Bowman said.
MARCH 2014
Year prior $266,706
$145,768
$3,272,841
$837,649
$676,166
$155,683
$914,054
$708,930
$121,788
$7,016,420
$741,273
$51,161
$1,872,302
$1,049,047
$17,829,788
$568,199,000
$245,573
$170,013
$3,124,598
$748,289
$588,850
$142,961
$830,122
$663,125
$106,741
$6,586,861
$705,121
$63,500
$1,906,482
$949,835
$16,832,071
$538,532,000
% change
8.6
-14.3
4.7
11.9
14.8
8.9
10.1
6.9
14.1
6.5
5.1
-19.4
-1.8
10.4
5.9
5.5
Source: Compiled by the Upper Cumberland Development District from data published by the Tennessee Department of Revenue.
Upper Cumberland
Unemployment
february 2014
CountY Unemployment
Cannon
5.7
Clay
10.8
Cumberland
9.7
DeKalb
7.1
Fentress
8.3
Jackson
9.6
Macon
6.7
Overton
9.4
Pickett
14.4
Putnam
6.4
Smith
7.2
Van Buren
11.1
Warren
8.2
White
9.5
TN
7.3
US
7.0
Source: Tennessee Department of Labor
& Workforce Development
22
MAY 2014
Commercial Building Permits
MARCH 2014
City of cookeville/
Putnam County
List includes: Owner/contractor, type of construction, address
and estimated cost
Abel Raymond/Express Contractors, remodel
commercial, 560 S. Jefferson Ave., $22,500
Allison Carol/J.A. Sergio & Sons, remodel
commercial, 1191 S. Walnut Ave., $25,000
ARC Builders LLC, accessory building, 1025 Highway 111 S,
$1,000
Big Oranges Properties and Donny
Meadows, addition commercial, 1459 Interstate Drive, Suite Z,
$25,000
Bryant Jerald ETUX Tonya/Garrett
Construction, addition commercial, 220 N. Washington Ave.,
$100,000
Church Engrafted Word Inc./Robert
Murdock Construction, remodel commercial, 9 W. Broad St.,
$160,000
Church Living Hope Ministries, addition church, 1020
E. Spring St., $15,000
City of Cookeville/Install Inc., addition commercial,
1200 Fleetguard Road, $356,920
Cookeville Housing Authority/King
Construction Group Inc., remodel commercial, 219 Coffelt
Ave., $52,000
Cookeville Retail Holdings LLC/JMJ
Builders LLC, remodel commercial, 377 W. Jackson St., Suite 14,
$65,000
Dunn William L./Max Carter Construction
LLC, remodel commercial, 1540 Interstate Drive, $150,000
Georgia Avenue Properties, addition commercial, 20 S.
Whitney Ave., $20,000
Hulse Family Dentistry LLC/Cooper
Construction Company, addition commercial, 120 W.
Jackson St., $48,500
K and R Partners/Quality Builders, remodel
commercial, 929 W. Jackson St., $73,416
Rinio Earl W. ETUX Sabra C./J. Cumby
Construction LLC, remodel commercial, 165 W. Broad St.,
$30,000
Stovers Rentals, remodel commercial, 25 S. Whitney Ave., $4,000
John Short, commercial-structures/warehouses/shops/additions/
alterations, 1024 Shag Rag Road C, $10,000
John Short, commercial-structures/warehouses/shops/additions/
alterations, 1024 Shag Rag Road D, $10,000
City of Crossville/
Cumberland County
List includes: Contractor, permit type/description, square
footage, address and valuation
JB Home Builders, building-commercial, office building, 231 E.
First St., 4,640 square feet, $378,670
JB Home Builders, plumbing-city, plumbing for office building,
231 E. First St., 4,640 square feet, $6,250
Tennessee Technology Center, building-commercial,
renovation of business, 66 Hermans Lane, 1,750 square feet, $15,000
Tennessee Technology Center, plumbing for business,
66 Hermans Lane, 1,750 square feet, $3,750
Tennessee Technology Center, mechanical for business,
66 Hermans Lane, 1,750 square feet, $3,750
Crossville Commons, building-commercial, renovation of
business, 1230 West Ave., 4,000 square feet, $10,000
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Business Licenses
The following businesses have received licenses during
March 2014. The list includes the business name, type of
business, location and owner’s name, if available.
cumberland County
submitted by County Clerk Jule Bryson
19th Hole at Lake Tansi, restaurant, 2476 Dunbar Road,
Crossville, TN 38572, Sherri L. Addison
A Son of God Handyman Service, power washing,
yard work handyman service, 1510 Bear Creek Road, Crossville, TN 38571,
Billy W. Vincent
A. Rose Photography, photography, 656 Old Mail Road,
Apartment 5, Crossville, TN 38555, Ashley Leach
About Face by Becky, esthetician, facials, treatments,
products, 43 Fountain Square, Suite 111 @ Ellusions, Crossville, TN 38555,
Becky Jones
CLASSIFIED
ucbjournal.com
John’s Delivery Service, transfer autos, 108 Don Kerley
Road, Crossville, TN 38555, John Birgy
The Family Store, family clothing, 1971 Genesis Road, Crossville,
TN 38555, Arthur Bell
Johnson Construction, construction, 1566 Creston Road,
Crossville, TN 38571, Jesse Johnson
The Pet Spa, pet grooming, 202 Woodmere Mall, Crossville, TN
38555, Lorri E. Case/Ann Wilson
Justin Case Horsemanship, horsemanship clinics, 345
Southgate Drive, Crossville, TN 38555, Robert L. Dormagen
The Stompy Elephant Baby Boutique, sewing
bany clothes, toys, 10515 Highway 70 West, Sparta, TN 38583, Heidi
Counterman
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Kendrick Remodeling, carpentry, 227 Keyes Road,
Crossville, TN 38571, Barry Kendrick
Lance, Chris Net, putting Adsense ads on blog, 172 Byers Road,
Crossville, TN 38571, Christopher M. Lane
Martino’s, restaurant and variety store, 162 Woodmere Mall,
Crossville, TN 38555, Bertha D. Vargas
May Flooring, carpet installation, 73 Foxwood Drive, Crossville, TN
38571, Michael John May
McCoy, Greg Upholstry, upholstery, 990 Highway 70,
Crossville, TN 38555, Greg McCoy
Mul-T-Conversions, used boat sales and street rod service,
1098 West Ave., Crossville, TN 38555, Steve R. Mullinax
Tony & Sons Tree Service, cutting and trimming trees,
479 Southgate Drive, Crossville, TN 38555, Tony Davis
Top Notch Detail, detail cars, 312 Doris Drive, Crossville, TN
38555, Matthew S. Breeding
Vapirie LLC, electronic cigarette supplies, 1784 N. Main St., Suite
102, Crossville, TN 38555, Edward S. Campbell
VIP Nails Salon, nail salon, 1230 West Ave., Suite 104,
Crossville, TN 38555, Dat Quang Tran
Wild Plum Embroidery, embroidery services, 526 Wild
Plum Drive, Crossville, TN 38555, Johnnie Whittenburg
Wilson’s Property Services, home improvements and
repairs, 117 Friar Lane, Crossville, TN 38558, Jeff Wilson
Adams Lawn Maintenance, lawn maintenance, 28
Baker Lane, Crossville, TN 38555, James H. Adams
Nash Electrical Contractors Inc., electrical contractor,
3896 Lake St., Macon, GA 31205, Mark J. Nash
Alice’s Restaurant, restaurant, 2949 Westel Road, Rockwood,
TN 37854, Alice Langley
Nova Uniao Crossville, martial art academy, 151 Elmore
Road, Suite 104, Crossville, TN 38555, Douglas Mackie Jr.
Alice’s Restaurant-N-Sweet Shop LLC, fast food
grill/restaurant, 2949 Westel Road, Rockwood, TN 37854, Alice Langley
Patchwork Peddler, Internet sales of g-tube and trach supplies,
2169 Wilson Road, Crossville, TN 38571, Katie Lozoya
MACON County
Aspen Woodworks, fabrication and installation of cabinets,
280 Tennessee Stone Road, Crossville, TN 38555, Marbury C. Brown
Problem Solvers, general handyman, small home repairs,
pressure washing, 699 Goodstock Road, Crossville, TN 38555, Jim Farmer
BB&J, hang and sometimes finish drywall, 103 Clearview Lane, Lafayette,
TN 37083, Joseph Knight
B & A Distributors, Internet sales, 940 West Ave., Suite 102,
Crossville, TN 38555, Susan A. Stephens
Rustic Revival Custom Furnishings, homemade
furniture, 112 Little John Loop, Crossville, TN 38555, Charles W. Wilson
Hollis Towing and Mobile Homes, mobile home
movers, 56 Carthage Road, Red Boiling Springs, TN 37150, Kenneth Hollis
B & T Construction, carpentry work for Wal-Mart remodel,
Whitney, TX 76682, Bobbi Jo Garland
Saco Construction LLC, construction, 570 Gordon Road,
Crossville, TN 38572, James H. Hicks
McLaren IT, computer sales and repair service, 3206 Scottsville Road,
Lot 11, Lafayette, TN 37083, Hasan Jasim
BB’s Deli, sandwich and food products sold, 2064 Sawmill Road,
Crossville, TN 38555, Tony King
Scooter Communications, telecommunication, 388 E.
Mayland Drive, Crossville, TN 38571, Chris Stokes
Shear Bliss Hair Salon, hair services, chemical services,
shampoos, 108 A E. Locust St., Lafayette, TN 37083, Kassie White
BB Bounce House Rentals, bounce house rentals, 398
Lawsontown Road, Crossville, TN 38572, Chris Bess
Scott’s Garden Center, landscaping garden center, 9547
Highway 70 West, Crossville, TN 38555, Michael Scott Parks
Main Street Market, cigarettes, beer, groceries, gas, 281 Main
St., Red Boiling Springs, TN 37150 Reed Bray
Big Lick Sawed Stone LLC, sawed stone, 1150
Winningham Road, Crossville, TN 38572
Simply Clean, commercial and residential cleaning, 90 Hutoha
Drive, Crossville, TN 38572, Tammy Dvis
R & S Drywall, drywall hanging and finishing, 11505 Old Highway
52, Westmoreland, TN 37186, Robert Nixon
Bojangles’ #925, quick service restaurant, 2801 N. Main St.,
Crossville, TN 38555, John Jordan
Smallwood Construction, construction, 120 Westwood
Boulevard, Dallas Smallwood
Boyd’s Best, gunsmithing, 483 Dripping Springs Road, Monterey, TN
38574, Bill Boyd
Southern Sports Inc., sporting goods, 1971 Genesis Road,
Crossville, TN 38555, Arthur Bell
Brown Suga, jewelry, purses, clothes, etc., 202 Charleston Lane,
Crossville, TN 38555, Ranata Brown
Superior Quality Inspections, third-party quality control
sorting and containment, 300 Prentice St., Crossville, TN 38555, Robert C.
Simmons
Cali’s Closet, resale used clothing, shoes, purses, 801 Peavine Road,
Suite 202, Crossville, TN 38571, Dallas Hedgecoth
Certified Cleaning Service, cleaning, upkeep, janitorial,
252 N. River Road, Crossville, TN 38572, Judy M. Sexton
Cozy Kennel, grooming and boarding for animals, 8305 Highway
127 North, Crossville, TN 38571, Doyl N. McCoy
DCD Painting, painting, 12422 Lake Pointe Pass, Belleville, MI
48111, Dan Daneker
Dean’s Pro Shop, marine repair and welding, 261 Cherry Branch
Loop, Crossville, TN 38571, Patricia Everett
Double D Sales & Ect., sell jewelry, purses and small items,
921 West Lake Road, Sparta, TN 38583, V.J. Dodson
Erica’s Barber Shop & Salon, hair salon, 4750 Highway
70 North, Crossville, TN 38571, Erica Lane
Floors and More, carpet cleaning, 432 Stonecrest Ave.,
Crossville, TN 38571, Thomas P. Jasunas
G and G Creations, woodworking art, 14 Willow Point,
Crossville, TN 38571, Grant Moss
Gaskins, David, construction, 244 Old Mail Road, Crossville, TN
38555, David Gaskins
Grass Master, lawn care, 1132 Hileah Drive, Crossville, TN 38572,
Wilson Tanksley
Happy Hearts Home Care, home care, 51 Birchwood
Lane, Crossville, TN 38555, Kimberly D. Pappas
His & Her Barber & Style, barbering services, 539 West
Ave., Suite 101, Crossville, TN 38555, Marvin L. Dixon Jr.
Jay’s Barbershop, barber shop, 92 Woodmere Mall, Crossville,
TN 38555, Angelia Carter
Tammy’s Tangles and Toes, hair dresser, 43 Fountain
Square, Suite 108, Crossville, TN 38555, Tammy L. Kemmer
Tennessee Quality Pressure Cleaning, pressure
washing and gutter cleaning service, 139 Mockingbird Drive, Crossville, TN
38555, Jamie Dutch
Yoga with Penny at The Wreck Room, yoga
instructor, 1003 Miller Ave., Crossville, TN 38555, Penelope Vires
submitted by County Clerk James Ralph Howser
Putnam County
submitted by County Clerk Wayne Nabors
A & K Construction, construction, 1002 N. Plantation Drive, Cookeville,
TN 38506, Mike Atwood/Jim Kmet
Affordable Motors Towing, towing service, 2233 Fisk
Road, Cookeville, TN 38506, Danny Strong
American Payroll Service, payroll service, 1914 Camden
Lane, Cookeville, TN 38506, Perry Brindley/Paula Brindley
Bartlett Construction, construction, 3800 Gainesboro Grade,
Cookeville, TN 38501, Donnie W. Bartlett
Terry’s Bargains & Thrift, thrift store, 1471 Sparta
Highway, Crossville, TN 38571, Tresia Braddam
Batteries Plus Bulbs, batteries and bulbs sales, 560 S. Jefferson
Ave., Suite 12, Cookeville, TN 38501, Williams Batteries LLC
The Brass Lantern, full-service restaurant, 79 Chestnut Hill
Road, Suite 102, Crossville, TN 38555, James Weismuller
Bedtime Sleep, mattress sales, 132 S. Willow Ave., Cookeville, TN
38501, Joshua Wood
L & L Contractors LLC, construction, 864 Ashwood Drive,
Cookeville, TN 38501, Donald E. Lester
TN Super Hibachi Grill Buffett LLC, restaurant, 791
S. Jefferson Ave., Cookeville, TN 38501, Jinling Lin
Mainord’s Country Store, convenience store, 505 Richman
Road, Livingston, TN 38570, Josh R. Mainord
Buzzertize, miscellaneous sales, 2647 Oakwood Lane, Cookeville, TN
38506, David D. Hobbs
Leggett Contracting Corp, construction, 220 Stewart Lane,
Cookeville, TN 38501, Leggett Contracting Corp
Universal Art & Frames, frame shop, 1991 Gainesboro
Grade, Cookeville, TN 38501, Richard Ballard
Cookeville International Catering Services,
catering services, 70 S. Elm Ave., Cookeville, TN 38501, Abdellatif W. Alsager
Liberty Auto Sales LLC, used auto sales, 474 W. Main St.,
Algood, TN 38506, Paula Garrett
West End Lawn Care, lawn care service, 2923 W. Haven
Drive, Cookeville, TN 38506, Chris Warren
Pigg’s Refrigeration Heating & Cooling,
refrigeration, heating and cooling installation and repair, 325 Windle Community
Road, Livingston, TN 38570, Joe K. Pigg
Discount Tobacco Beverage & More, convenience
store, 835 W. Jackson St., Cookeville, TN 38501
Maduro Cigar Lounge & Bar, lounge and bar, 831 S.
Jefferson Ave., Suite B, Cookeville, TN 38501, Jay Shree Krishna Corp
Whitt’s Barbecue, restaurant, 280 W. Broad St., Cookeville, TN
38501, Mur’s Foods LLC
Driving Nashville, limousine service, 116 Chesapeake Harbor
Boulevard, Hendersonville, TN 37075, Timothy Cassetty
Pharoah’s Grill LLC, restaurant, 298 W. Broad St., Cookeville,
TN 38501, Modhat Nasim/Wafik Baghdady
Wiggins Works, auto repair service, 8573 Nashville Highway,
Baxter, TN 38544, Virginia D. Wiggins/Donald R. Wiggins
Eastern Tower Services, cell tower construction, 17761
Nashville Highway, Buffalo Valley, TN 38548, Derek M. Cragin
Poet’s Coffee, coffee shop, 250 E. Broad St., Cookeville, TN 38501,
Jeremy R. Crabtree
Eric Young’s Sitter Service, sitter service, 240 Mill Drive,
Cookeville, TN 38501, John Eric Young
Ramo’s, clothing sales, 130 N. Hickory Ave., Cookeville, TN 38501,
Ramo Muheljic
Everything Under the Moon, costume jewelry and
clothing, candles, etc., 400 Dubois Road, Suite A-10, Cookeville, TN 38501,
Melani J. Anderson
Rantala Autohaus, auto mechanic services, 540 W. Broad St.,
Cookeville, TN 38501, Dean M. Rantala
Family Bible Publications LLC, book publication and
sales, 1625 Bilbrey Park Drive, Cookeville, TN 38501, Family Bible Publications
LLC
Fletcher Construction, home improvement construction, 3647
Mockingbird Hill Circle, Cookeville, TN 38501, Jared M. Fletcher
G & W Landscaping and Repairs, landscaping and
repair service, 528 Bradley Drive, Lot 8, Cookeville, TN 38501, Christopher
Goodman
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Recycle 2 Green LLC, buying and recycling and resale, 699 E.
15th St., Cookeville, TN 38501, Margaret L. Sachs/Raymond F. Sachs II
Reflexology After 5, reflexology service, 420 N. Washington
Ave., Suite 4, Cookeville, TN 38501, Gary Stahl
Snyder Wood Turf, lawn care service, 114 Thompson Lane,
Algood, TN 38506, Daniel A. Snyder
Sweet Sensations Catering & Delivery, catering
and delivery, 1510 Bay View Drive, Cookeville, TN 38506, Timothy Picard
Green Guys Lawn & Chore, lawn care and chore
services, 2463 Cane Creek Road, Cookeville, TN 38506, Steven Webb
Sweet Tooth, candy and wreaths sales, 1080 Neal St., Cookeville, TN
38501, Heather Harden
H & C Contracting, construction, 5725 Highway 111, Unit 9,
Cookeville, TN 38506, William J. Groce
The Crew Landscaping & Lawncare, landscape
and lawn care services, 1257 Bill Smith Road, Cookeville, TN 38501, Brandon
J. Dennis
K Squared, property and project management, 16 W. Spring St., Suite
104, Cookeville, TN 38501, Kevin Billbe
Kmat Comm, satelitte sales and installation, 611 S. Willow Ave.,
Suite D, Cookeville, TN 38501, Kenneth Mathison
The Lucky Pup, pet grooming service, 2234 Hidden Cove Road,
Cookeville, TN 38506, Vincent L. Faccinto
Top 2 Bottom, cleaning service, 107 Fifth Ave. N, Baxter, TN
38544, Staci M. Feefner
classifieds
BUSINESS SERVICES
COMMERCiAL SPACE FOR LEASE
Enhance your business or home with live interior
plants. Dr. Your Plants offers design, installation,
weekly maintenance, and for your home, vacation
plant care. Free Consultation. Call Mark at Dr. Your
Plants, 931-252-4180.
UPPER CUMBERLAND BUSINESS PARK
100 England Drive & South Maple Ave.
HWY 111 N/S & I-40 E/W access and visibility.
Suite F - 2nd floor. Elevator. 3,950 sq. ft. High quality
office space with multiple offices, cubicles, meeting
rooms, additional conference/board room (450 sq.
ft.) available. Includes HVAC, lighting, paved parking,
building and grounds maintenance service, utilities
(water, gas, electric) with kitchen and bathrooms. Class
“A” space - Best available. Unlimited paved parking.
Meets ADA. Call 931-544-5992, 931-544-5995 or
931-544-5997.
COMMERCIAL PROPERTY FOR SALE
Cloverleaf Property is 1.37 acres located off
Hwy 111 and 30 in Spencer, perfect place for bank,
McDonald’s or gas station. Call Cassey at 931-409-9027.
REAL ESTATE FOR SALE
1120 england drive (yellow house)
HWY 111 & I-40 access and visibility. Exit 288.
2,450 sq. ft. office space. (2 floors) with multiple offices,
meeting room areas. Also, garage/storage area (450
sq. ft.). Business/office furniture available, in needed
as well. Includes HVAC, lighting, parking, building and
grounds maintenance service, utilities (water, sewer,
electricity) with kitchen and bathrooms. Versatile.
Available immediately. Call 931-544-5992,
931-544-5995 or 931-544-5997.
To place your classified in the UCBJ,
contact Melissa at 931.528.8852 or
email [email protected].
Perfect for golf enthusiasts. Cabin sets off golf course
near Fall Creek Falls State Park. Fully furnished, 2BR &
2BA, 1008 sq. ft. fireplace. Gated community. Great 2nd
home or retirement home. Call Cassey at 931-409-9027.
PROFESSIONAL DIRECTORY ADS
Advertise your business with logo, contact
details and brief description of services.
//
column
23
Brookes Diamonds, diamond and gold broker, 1177 Locust
Grove Road, Cookeville, TN 38501, Don Schoental
//
feature
2014 MAY
news
//
OPINION
CLASSIFIED
ucbjournal.com
//
RSSBA Inc., rental property, 240 Rickman Monterey Highway, Rickman,
TN 38580, Nikunj Solanki
Staggs & Sons, heating and cooling installation and repair, 298 Old
Eagle Creek Road, Livingston, TN 38570, Mike A. Staggs
Tennessee Trash Removal, 351 Autumn Hills Drive,
Rickman, TN 38580
Todd’s Gardens & More, florist and antique retail sales,
507 W. Main St., Livingston, TN 38570, Todd Smith
OVERTON County
submitted by County Clerk Hugh Ogletree Jr.
Advantage Heating and Cooling, heating and
cooling installation, 240 Cravens Lane, Livingston, TN 38570, Jamie Johnson
Attitudes Boutique, boutique, 5476 Bradford Hicks Drive, Suite
B, Livingston, TN 38570, Heather L. Hall
Austin Horst Construction, roofing and general
construction, 226 Armstrong Lane, Monterey, TN 38574, Austin Horst
Uncle Kip’s Moonlight Barbecue, barbecue stand,
171 Echo Valley Lane, Livingston, TN 38570, Kip Moon
Wall Doctor, drywall finishing, 307 Old Celina Road, Allons, TN
38541, David H. Brown
Woolbright Auto Repair LLC, auto repair shop, 617 N.
Church St., Livingston, TN 38570, Tony D. Woolbright
Bill Rich Flooring Inc., flooring installation, 1816 Windle
Community Road, Cookeville, TN 38506, Jennifer Gainer
Bob Woosley Concrete, concrete work, 166 School
Mountain Road, Livingston, TN 38570, Bob J. Woosley
Buzachero Construction, construction, 722 Hunter Cove
Road, Allons, TN 38541, Edward Buzachero
Farley’s Retail, miscellaneous resale, 3989 Hanging Limb Highway,
Monterey, TN 38574, Gregory Farley
Hixson Floor Covering, install flooring, 150 Oak Springs
Lane #8, Rickman, TN 38580, Christopher D. Hixson
L & N Collectibles, antiques and collectibles, 105 E. Court Square,
Livingston, TN 38570, Len A. Apgar
M&S Pressure Washing, pressure washing, 386 Baptist
Ridge Highway, Hilham, TN 38568, Michael Gillentine
MOYER’S
METAL SALES
LET US KNOW
Company expanding?
Has your firm merged?
New hires/promotions?
Received an industry or
community award?
[email protected]
40-YEAR METAL IN STOCK
1
16 COLORS AVAILABLE
1
25-YEAR GALVALUME
2
METAL IN STOCK
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WEEKLY SPECIALS!
SCREWS & ACCESSORIES
LUMBER IN STOCK
CUSTOM TRIM SHOP
T R U S S E S AVA I L A B L E
WE MOVE
STORAGE BUILDING
931.738.7335
5161 HICKORY VALLEY ROAD | SPARTA, TN
Preventive Maintenance Is A Wise Investment
We employ trained
technicians who are
For all your commercial HVAC seasonal
inspection or general service needs, come
straight to the experts at CHC.
No one knows better!
347 East Stevens St. • Cookeville, TN 38501
931.528.5514 • 24/7 Emergency Service: 520.8888
chccompanies.com
C O M M E R C I A L • I N D U S T R I A L • I N S T I T U T I O N A L • H E A LT H CA R E
Tom Polite
General Manager
Welcome
Craig Saunders, M.D.
Board Certified, American Board of Orthopedic Surgeons
Orthopedic
Surgeon
Specializing in the treatment of
• Sports Medicine & Injuries
• Fractures (Broken Bones)
• Foot, Ankle & Knee Injuries
• Joint Reconstruction & Revision
• Carpal Tunnel Syndrome
• Neck, Back & Spine Injuries
• Trauma Surgery
• Reconstructive Surgery
• Pain Management
• Hand Surgery
• Workman’s Compensation Injuries
25 years of experience in Orthopedic Care
Dr. Craig Saunders is now accepting new patients.
423 Sewell Drive, Sparta TN, 38583 | 931.738.9333
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