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BUSINESS CHATT — Edition 001

Welcome to the first edition and the launch of BUSINESS CHATT Magazine, a dynamic digital magazine designed exclusively for BNI members to showcase and advertise their businesses. This vibrant publication offers a unique platform to elevate your brand, connect with a broader audience, and share your success stories within the BNI community as well as the residents of Chattanooga and surrounding cities.

Welcome to the first edition and the launch of BUSINESS CHATT Magazine, a dynamic digital magazine designed exclusively for BNI members to showcase and advertise their businesses. This vibrant publication offers a unique platform to elevate your brand, connect with a broader audience, and share your success stories within the BNI community as well as the residents of Chattanooga and surrounding cities.

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Business Network International Southeast Tennessee Magazine

EDITION 001 — $4.25

BUSINESS CHATT

From Word-of-Mouth to Your Device

Social Media

Strategies to Boost

Brand Awareness in

2025

Here's the Latest Tips to

Growing Your Business

BNI 100 Point

Members

See Our Latest Members

Gold Badge Winner

Congratulate Our Latest

Gold Badge Winners

THE FUTURE OF

REAL ESTATE IN

CHATTANOOGA:

WHAT 2025 HOLDS


2 | BUSINESSCHATT Magazine


Business Network International (BNI) | 3


DIRECTOR'S LETTER

It is with immense joy and excitement that I welcome you

to the launch of the very first issue of BUSINESS CHATT our

new digital publication dedicated to celebrating the incredible

members of BNI and the thriving business community

of Southeast, TN.

This magazine has been a labor of love, built with the purpose

of giving recognition to the hardworking and dedicated

professionals who make up our local BNI chapters.

Each of you brings so much value not only to your clients

and customers but to each other as fellow members of this

incredible network. It is our privilege to shine a spotlight on

your successes, your stories, and the ways you’ve helped

build connections that inspire and grow businesses across

our city.

BUSINESS CHATT is not just about recognition it’s also

a tool and resource that allows BNI members to showcase

their businesses to one another and to Southeast,

Tennessee. We wanted to create something that would

truly embody the spirit of Givers Gain while also helping you

reach new opportunities, foster collaboration, and deepen

the relationships that drive your success.

Listen

BNI Southeast

Tennessee Podcast

Listen to the latest podcast

featuring Elaine Zambos and

check out the other episodes

here or visit: bit.ly/BNISETN_

podcast

As we take this exciting first step, I want to express my gratitude

to every BNI member who has contributed their time,

expertise, and enthusiasm to bring this magazine to life.

This is just the beginning, and with your continued support,

I know BUSINESS CHATT will grow into something truly extraordinary,

a platform that not only celebrates what we’ve

accomplished together but also helps us achieve even more

in the future.

I encourage each of you to help support this new venture

share it with your network, contribute your stories and

ideas, and be a pinnacle part of its growth and longevity.

Together, we have the power to create something that not

only uplifts each other but also leaves a lasting impact on

our community.

Thank you for being a part of this journey. Here’s to a bright

and successful future for BUSINESS CHATT and for every

one of you who makes BNI the incredible organization it is.

Happy

Connecting,

Executive Director

BNI Southeast Tennessee

4 | BUSINESSCHATT Magazine


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Business Network International (BNI) | 5

zsquaredchattanooga.com


Content

EDITION 001

36

Features

36 The Future of Real Estate in

Chattanooga: What 2025

Holds

40 Chattanooga Cipher

44 7 Hacks to Remember

Names More Effectively

48 The Importance of Social

Responsibility in Growing

Your Business

BNI Chapters

Around

Chattanoga,

Tennessee

51 A Story of Fresh

Starts and Big Goals

60 The Transformational

Power of Referrals: 4 Stats

Every Business Should

Know

62 78

6 | BUSINESSCHATT Magazine


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Search Engine Marketing

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Maximizing ROI through

targeted advertising.

Email & Mobile

Marketing

Engaging, personalized

outreach.

Social Media

Crafting strategies that build

communities.

Experiential

Marketing

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Business Network International (BNI) | 7


Content

Success

with BNI

14 Silver Star Bookkeeping’s

Prosperity with BNI

Industry

Pros

18 Smart Ways to Keep Your

HVAC System Running

Smoothly Year-Round

Top

Producer

20 Social Media Strategies to

Boost Brand Awareness in

2025

26 The Jewelry Trends That

Will Define 2025

32 How Smart Roofs Are

Shaping a Sustainable

Future

Giving

Back

62 Building Stronger

Communities with CHI

Farms: The Power of Local

Growing

with BNI

56 Erin Thomas’ Winning

Video: The Power of BNI

Referrals

64 The Transformational

Power of Referrals: 4 Stats

Every Business Should

Know

100

POINT MEMBER

58

ROAD

TO

GOLD

68 Tic-Tac-Tag Brand's

Dream Referral

70 Brothers Financial

Dream Referral

80 86

8 | BUSINESSCHATT Magazine


This Page is

Brought to You by…

Absolutely No One (Yet).

Reach your target audience in the Chattanooga, TN area with "BUSINESS CHATT," the ultimate

resource for local business professionals. This is your chance to showcase your products and

services to an engaged and motivated community.

Why advertise with us?

• Direct Access to SMB Decision Makers: Connect with business owners, entrepreneurs, and

professionals eager to discover innovative solutions.

• Targeted Exposure: Our readers are part of the BNI network and beyond, creating an ideal

platform for impactful B2B and B2C communication.

• Trusted Resource: BUSINESS CHATT is more than a magazine—it's a hub of insights, tips, and

trends that readers rely on to drive their success.

Ad Options That Work for You

Choose from premium placements, sponsored content, advertorials, and more to suit your brand's

goals. With flexible ad packages, you can maximize visibility and fit any budget.

Featured in BUSINESS CHATT:

• Financial Forecasts

• Real Estate Market Updates

• Local Chapter Spotlights

• Industry Vacancy Announcements

Your ad in BUSINESS CHATT is an investment in your business's future. Don’t miss out on the

opportunity to connect with the Chattanooga business community.

Reserve your spot today!

Contact us at Amy Williams at Amy@bnisetn.com or Jason Uzarraga at juzarraga@tictactagbrands.

com to learn more about ad rates, deadlines, and available placements.

Let’s grow together with BUSINESS CHATT!

Business Network International (BNI) | 9


10 | BUSINESSCHATT Magazine


Business Network International (BNI) | 11


Content

BUSINESSCHATT

Digital Magazine

EDITION 001

56

BNI SETN Director

Editor In Chief

Production

Design

Distribution

Account Manager

Customer Service

Elaine Zambos

Jason Uzarraga

Tic-Tac-Tag Brands

Tic-Tac-Tag Brands

Tic-Tac-Tag Brands

Paris Gray

Amy Williams

Business Network International Southeast Tennessee Magazine

EDITION 001 — $4.25

BUSINESS CHATT

From Word-of-Mouth to Your Device

Social Media

Strategies to Boost

Brand Awareness in

2025

Here's the Latest Tips to

Growing Your Business

BNI 100 Point

Members

See Our Latest Members

Gold Badge Winner

Congratulate Our Latest

Gold Badge Winners

THE FUTURE OF

REAL ESTATE IN

CHATTANOOGA:

WHAT 2025 HOLDS

ON THE COVER:

Elaine Zambos

PHOTOGRAPHY BY:

Emerald Dove

423-708-4555

emeralddovephoto@gmail.com

emeralddovephotography.com

12 | BUSINESSCHATT Magazine

Advertise

Are you a current member of a BNI

Chapter and would like to be a part of

this digital magazine?

Send your inquiries to:

amy@bnisetn.com

Not part of a BNI Chapter?

Contact Elaine@BNISETN.com and visit

one today.


This Could

Be You…

But You Haven’t Called Yet.

Reach your target audience in the Chattanooga, TN area with "BUSINESS CHATT," the ultimate

resource for local business professionals. This is your chance to showcase your products and

services to an engaged and motivated community.

Why advertise with us?

• Direct Access to SMB Decision Makers: Connect with business owners, entrepreneurs, and

professionals eager to discover innovative solutions.

• Targeted Exposure: Our readers are part of the BNI network and beyond, creating an ideal

platform for impactful B2B and B2C communication.

• Trusted Resource: BUSINESS CHATT is more than a magazine—it's a hub of insights, tips, and

trends that readers rely on to drive their success.

Ad Options That Work for You

Choose from premium placements, sponsored content, advertorials, and more to suit your brand's

goals. With flexible ad packages, you can maximize visibility and fit any budget.

Featured in BUSINESS CHATT:

• Financial Forecasts

• Real Estate Market Updates

• Local Chapter Spotlights

• Industry Vacancy Announcements

Your ad in BUSINESS CHATT is an investment in your business's future. Don’t miss out on the

opportunity to connect with the Chattanooga business community.

Reserve your spot today!

Contact us at Amy Williams at Amy@bnisetn.com or Jason Uzarraga at juzarraga@tictactagbrands.

com to learn more about ad rates, deadlines, and available placements.

Let’s grow together with BUSINESS CHATT!

Business Network International (BNI) | 13


SUCCESS WITH BNI

Bridgette Martin

Partner

Silverstar Bookkeeping

14 | BUSINESSCHATT Magazine

Photo credit:

Jason Uzarraga — Tic-Tac-Tag Brands


Beyond the Books:

Silver Star Bookkeeping’s

Prosperity with BNI

I remember when my business partner, Tomie

Kottwitz, told me I was joining a BNI chapter.

She had recently joined one to start growing

our business outside of our home base in

Ringgold. Tomie was very excited about BNI

and all I could remember was the one time

I visited, fresh out of college, without a clue

on what networking really was. All I gathered

was that it cost money and there was an

attendance requirement, two things I wasn’t

even going to try and ask for at my job.

But, Tomie was excited, and in the two

decades since my last BNI impression I had

grown as a person and really had a knack

for talking to people. After researching and

visiting chapters in my area, I landed on

the newly formed and somewhat small 4

Bridges chapter. They were welcoming and

personable and the open networking at the

top of the meeting gave me an opportunity

to settle into the space and get to know the

people I would be meeting with every week.

Once I joined, the plethora of information

at my disposal, courtesy of BNI, was

immediately put to use. With the tools

provided, I was able to drill down what it was

I wanted to get out of this experience. It gave

me space to flesh out what it was that our

company specializes in and what solutions

we can offer to potential clients. This was in

place to help create specific “asks” for the

Weekly Presentation, but what we learned

about our own business in the process

spilled over into our marketing and how we

serve our current clients.

Through One on Ones, aka The Secret

Sauce in BNI, I had the opportunity to delve

a little further into the professions of the

other chapter members. I can meet with

members of my own chapter, or, attend one

of many events BNI hosts to meet members

from other chapters. The meetings I have

yield more than a networking opportunity;

it builds a sense of community that forms

strong and lasting bonds between the

members. Rachel isn’t just a house cleaner

– she practices acroyoga. Jay may be a

financial advisor, but he really enjoys a nice

ride on his motorcycle. Kelly is a real estate

agent who is just as lively with a great

sense of humor outside of work. Connecting

people is much more fruitful when you can

match personalities with services. One on

Ones are also a perfect time to bounce

ideas off other small business owners. I have

picked up a tip or two from other members

that I have implemented in my business.

Most members fear the Feature Presentation

even though it is their time to shine. It’s my

favorite part of the meeting because we get

to open our eyes just a little more and learn

a new fact that is going to stick with you. We

think we know what a banker or an insurance

agent does – but do we really? Better yet,

don’t you have a question about real estate

that you have been thinking about? At a

BNI meeting, professionals in these fields

are resources that can be used for work and

personal development.

Business Network International (BNI) | 15


SUCCESS WITH BNI

Personally, my feature presentation

is something I look forward to. I like

the opportunity to show and tell – my

profession is one that is multi-faceted and

oft misunderstood and this is a great way

for me to make an impression. I get to lend

my expertise to the chapter and give them

points to think about in their own business.

Educating is one of Silver Star’s core values

and I get to practice it in a productive and

memorable way. I’ll never forget getting a

call from a member of another chapter who

happened to be visiting my chapter on the

day of one of my presentations. I made such

a good impression on them, my name was

the first they thought of when someone said

“bookkeeping.”

The best part of all of this is that my business

partner is out doing the same as I, bringing

even more insight to our own operations.

With Tomie and I both representing Silver

Star in a chapter, we have a trusted and

reputable network with a common goal

to send referrals to our business. We can

connect our clients with that same trusted

and reputable network. As the referrals

become clients, a snowball effect has started

as those clients refer us to their peers.

Even as members leave a chapter, we stay

connected and continue to gain referrals

from them. The efforts we put into that one

meeting per week have lasting impacts.

I think back to my first BNI experience and

how I wish I had seen the forest through the

trees. The financial investment was minimal,

especially when you break it down. The

Member Success Program had a worksheet

that enabled me to calculate how many

clients I would need to sign for a return on

investment. Tomie and both were able to

make back what we spent to join within three

months. When someone balks at the cost

of membership, I remind them that our BNI

region passed $50 million dollars in business

last year through referrals. If you can’t carve

out a slice of that pie large enough to cover

what you spent, it may be time to revisit the

training and educational tools provided with

the membership.

I’m also reminded of how adverse I was to

attending a weekly meeting. Attendance

requirements – yuck! However, the

accountability is nice. Knowing I am going

to see someone each week makes me more

comfortable referring them to my network. I

can be sure that my referrals are taken care

of, all while making me look like the go-to

gal. I quickly realized I look forward to my

chapter meetings. What an energizing way

to start a day! It breaks up the monotony of

my work week and gets me out from behind

a computer. It’s the much-needed time for

working on the business instead of in the

business. And, I always learn something new.

Every time.

My favorite part is the structure. It’s such

a relief to know that the hour I spend in

the meeting is going to be productive.

Our time is limited and valuable as a small

business and it’s frustrating to attend events

that lack a sense of goal. The support BNI

offers to its members through education

to help achieve those goals is plentiful and

diverse. The Passport to Success alone really

opened my eyes in terms of how to make

the connections and time spent work for

me. The structure of the meetings has been

developed and perfected over time to create

an agenda that is key to what makes the

organization work.

The sense of personal development I

derive from my participation in BNI is quite

gratifying. Being able to use what I get out

of this membership in all aspects of my life

makes it even more valuable to me. It has

also helped my business partner come out

of her shell. She has become more confident

in speaking with people, which in turn makes

her more comfortable with our clients and

associates. It has made her more assertive

in our business decisions, making our

16 | BUSINESSCHATT Magazine


focus clearer and goals obtainable. I have

watched the connections she has made in

this organization make her flourish and it’s

exciting to watch that transformation.

This past year, I was honored to be

nominated and selected as President of my

chapter. This has extended my networking

opportunities beyond my chapter as I work

with leadership in the region to grow our

membership. Participating in a leadership

role within BNI offers more education, giving

me another way to improve what I am doing

on my own business while also sharing with

my chapter.

Silver Star joined BNI in 2022 with just the

two of us working in the business. That

snowball effect hasn’t stopped yet and with

the influx of clients over the past couple of

years, we have grown our firm to a group

of seven hard-working associates. We have

been able to offer certifications to develop

our team and continue their education

in our field. Our firm has expanded into

departments and is scaling upward and

BNI is an integral part of that growth. It’s an

absolute must in our marketing plan because

we know it will deliver results.

As the Positive Quote coordinator for my

chapter, I would be remiss if I didn’t include

one here:

“Small opportunities are often the

beginning of great enterprises.”

- Demontheses

CONTENT BY:

SIlver Star Bookkeeping

PO Box 24902,

Chattanooga, TN

37422

Bridgette Martin

bmartin@silverstarbookkeeping.biz

(423) 418-5055

silverstarbookkeeping.biz

Business Network International (BNI) | 17


INDUSTRY PROS

10

Smart Ways to

Keep Your HVAC

System Running

Smoothly Year-

Round

Living in Chattanooga,

Tennessee, means experiencing

a mix of hot, humid summers

and chilly winters. Your HVAC

system works overtime to keep

you comfortable throughout

the year, so giving it some care

and attention is essential. Here

are ten practical tips tailored to

the unique climate and needs of

Chattanooga residents to keep

your heating and cooling system

running efficiently.

1. Keep Filters Clean

Chattanooga’s high pollen

levels, especially in spring,

can clog your HVAC filters

faster than usual. Regularly

check and replace your filters

to maintain clean indoor air

and prevent your system from

working harder than it should.

2. Use a Smart Thermostat

Chattanooga’s weather can

be unpredictable, with sudden

swings in temperature. A

smart thermostat allows

you to adjust your home’s

temperature remotely, so

you’re always comfortable

while saving energy. Set it to align with

your schedule for maximum efficiency.

3. Seal Drafts and Insulate

Older homes in Chattanooga’s historic

districts, like St. Elmo or Highland Park,

may have drafty windows and doors.

Use weatherstripping or caulking to seal

gaps and add insulation in your attic

to keep treated air inside, reducing the

strain on your HVAC system.

4. Maintain Open Vents

Furniture and rugs can easily block

vents, especially in homes with

18 | BUSINESSCHATT Magazine


traditional layouts common in

neighborhoods like East Brainerd or

Ooltewah. Make sure all vents are

unobstructed to ensure even heating

and cooling.

widely. Leaky ducts waste energy and

can cause uneven heating or cooling.

Inspect your ducts for gaps and consider

hiring a local technician to seal them

properly.

5. Schedule Professional Maintenance

Chattanooga’s HVAC technicians know

how to handle the region’s seasonal

challenges. Schedule a tune-up before

summer’s heat or winter’s chill hits. A

professional can check for common

local issues, like condensation problems

caused by humidity.

9. Plan for Extreme Weather

Chattanooga summers are hot and

humid, while winters can bring cold

snaps. To avoid overworking your

system, dress appropriately for the

season and use supplemental heating

or cooling methods, like fans or space

heaters, when necessary.

6. Use Ceiling Fans Year-Round

Ceiling fans are a staple in many

Chattanooga homes. In summer, run

them counterclockwise to create a

cooling breeze. In winter, switch to a

clockwise direction to redistribute warm

air that naturally rises.

7. Clear Debris from Outdoor Units

Chattanooga’s lush trees and seasonal

storms can cause debris like leaves,

twigs, and dirt to accumulate around

outdoor HVAC units. Regularly check

and clear this area to ensure proper

airflow and prevent damage.

8. Insulate and Seal Ductwork

With Chattanooga’s mix of old and new

construction, duct systems can vary

10. Upgrade When Necessary

Many homes in Chattanooga, particularly

in older neighborhoods, still rely on

aging HVAC systems. If yours is over

10-15 years old, consider upgrading to

an energy-efficient model. Tennessee

Valley Authority (TVA) and EPB often

offer rebates or incentives for energyefficient

improvements, making it a

smart investment.

By following these tips, Chattanooga

residents can keep their HVAC systems

running efficiently, no matter what

the local weather throws their way.

A little maintenance goes a long way

in ensuring year-round comfort and

savings in the Scenic City.

SPONSOR

THIS

ARTICLE

CONTENT SPONSORED BY:

Company Name

Address

City, State

Zipcode

Full Name

Phone number

Email Address

Web Address

Business Network International (BNI) | 19


INDUSTRY PROS

Social Media Strategies

to Boost Brand

Awareness in 2025

CONTENT BY:

Tic-Tac-Tag Brands

7560 Catchfly Drive

Ooltewah, TN

37363

Jason Uzarraga

773-655-1663

juzarraga@tictactagbrands.com

tictactagbrands.com

20 | BUSINESSCHATT Magazine


Social media in 2025 isn’t just a digital

trend; it’s a vital part of how brands thrive,

connect, and grow. It’s no longer enough

to post sporadically and hope for the

best. Today, success demands creativity,

strategy, and authenticity. At Tic-Tac-Tag

Brands, we’ve seen firsthand how the

right approach can turn followers into

loyal customers and casual scrollers into

brand advocates. Here’s a deeper dive

into what it takes to boost your brand’s

awareness in the ever-changing social

media landscape of 2025.

Build Your Narrative: Stories That Stick

In a world inundated with content, a

compelling story can cut through the

noise. Brands aren’t just selling products

or services anymore—they’re selling

identity, purpose, and connection. Your

audience wants to know what drives you,

what values you uphold, and how you’re

making a difference.

The Why Matters: Are you championing

sustainability? Supporting local

communities? Innovating in your industry?

Let your audience in on your journey.

Execution Tip: Use Instagram Stories,

TikTok videos, and even LinkedIn

articles to tell your brand’s story. Share

milestones, struggles, and triumphs to

create a narrative your audience can root

for.

Engagement Over Everything

Gone are the days when follower counts

were the ultimate measure of success.

In 2025, engagement reigns supreme.

A small, highly engaged audience often

outperforms a large, passive one. Why?

Because people who interact with your

content are more likely to remember

your brand, recommend it, and ultimately

become customers.

Practical Steps:

Ask open-ended questions in your

captions.

• Use Instagram’s interactive stickers

(polls, quizzes, sliders) to encourage

participation.

• Respond promptly to comments and

DMs—it shows you’re listening and

builds trust.

Short-Form Video: The King of Content

The rise of TikTok and Instagram Reels

has cemented short-form video as the

preferred content format for 2025. These

bite-sized clips are not only easy to

consume but also incredibly shareable,

making them a powerful tool for building

awareness.

What Works: Tutorials, behind-the-scenes

clips, “day in the life” videos, and quick

tips related to your industry. Keep them

visually engaging and under 30 seconds.

Why It Matters: Videos boost

engagement, keep your brand top-ofmind,

and can introduce you to entirely

new audiences through platform

algorithms.

Micro-Influencers: Authenticity at Scale

While big-name influencers still have their

place, micro-influencers (with 5,000–

50,000 followers) are gaining traction

for their authenticity and highly engaged

communities. These creators feel more

relatable to their audiences, making their

endorsements more impactful.

How to Leverage This: Find microinfluencers

who align with your brand’s

values. Work together on campaigns that

Business Network International (BNI) | 21


INDUSTRY PROS

feel organic and collaborative—whether

it’s product reviews, giveaways, or cocreated

content.

Diversify Your Platform Presence

Instagram and Facebook may still be

heavy hitters, but new platforms are

emerging that offer unique opportunities

to reach niche audiences. BeReal, for

instance, thrives on authenticity and

unfiltered moments, while Pinterest

remains a go-to for lifestyle inspiration.

The Strategy: Experiment with platforms

that align with your audience’s habits.

Use BeReal for behind-the-scenes

content, Pinterest for mood boards and

product discovery, or even LinkedIn for

professional storytelling.

but a thoughtful infographic might resonate

more for a financial services company.

Ask Yourself: “Does this trend feel authentic to

our brand?” If the answer is no, it’s okay to pass.

Staying true to your identity is always more

impactful than chasing fleeting popularity.

Celebrate Your Community

User-generated content (UGC) is one of the

most powerful tools in your social media

arsenal. Featuring your customers’ photos,

reviews, or stories not only builds trust but also

shows that you value your audience.

Data-Driven Creativity

Analytics are your guiding light in

2025. They tell you what works, what

doesn’t, and where you can improve. But

the magic happens when data meets

creativity. Use your insights to refine your

approach while keeping your content

fresh and human.

Example: If your audience loves behindthe-scenes

videos, double down on them.

If carousel posts are generating saves,

incorporate more. Let the numbers guide

your strategy without losing your creative

spark.

Trend Responsibly

Trends can offer a quick boost, but

they’re not one-size-fits-all. The brands

that succeed in 2025 are those that align

trends with their core values. A viral dance

challenge might work for a fashion brand,

22 | BUSINESSCHATT Magazine


How to Encourage UGC:

• Create branded hashtags to make it

easy for customers to tag you.

• Run contests or challenges that

incentivize content creation.

• Spotlight customer stories in your posts

or Stories.

Paid Ads with Purpose

In 2025, a robust social media strategy

includes both organic content and paid

campaigns. But running ads isn’t just

about throwing money behind posts. It’s

about crafting compelling messages that

resonate with your audience.

Tips for Success:

Use eye-catching visuals and concise,

benefit-driven copy.

Test multiple variations of your ad to see

what performs best.

Retarget users who’ve interacted with

your brand but haven’t yet converted.

Stay Curious and Evolve

Social media moves fast, and what works

today might not work tomorrow. Brands

that thrive are those that stay curious,

experiment with new ideas, and aren’t

afraid to pivot when something isn’t

working.

Mindset Shift: View every post, campaign,

or trend as an opportunity to learn. The

most successful brands in 2025 will be

those that embrace change and adapt

quickly.

At Tic-Tac-Tag Brands, we’ve helped

businesses of all sizes navigate the everevolving

social media landscape. Whether

you’re launching a new campaign or

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CORE

VALUE02

BUILDING

RELATIONSHIPS

The importance of developing meaningful

relationships with others

bni.com

Business Network International (BNI) | 23


24 | BUSINESSCHATT Magazine


Business Network International (BNI) | 25


Your Guide to

INDUSTRY PROS

The Jewelry Trends That Wi

26 | BUSINESSCHATT Magazine


ll Define 2025

What’s Hot

Jewelry has always been more than an

accessory—it’s a statement, a reflection

of personality, and often, a symbol of

cultural or emotional significance. As we

step into 2025, the jewelry industry is

undergoing a transformation, driven by

bold designs, sustainable practices, and

innovative materials. Whether you’re a

jeweler, a fashion enthusiast, or simply

someone who loves a little sparkle,

these trends are set to redefine how we

think about jewelry this year.

Lab-Grown Diamonds Take

Center Stage

Lab-grown diamonds have been

steadily gaining traction, and in 2025,

they’re no longer just an alternative—

they’re a mainstay. With identical

physical and chemical properties

to natural diamonds, lab-grown

stones offer an ethical and more

affordable option for buyers without

compromising on brilliance.

Why It’s Trending: Consumers are

increasingly drawn to sustainable and

transparent sourcing practices. Labgrown

diamonds eliminate the ethical

concerns associated with traditional

mining while delivering the same wow

factor.

How to Wear It: Look for modern

settings that highlight the clean lines

and clarity of these gems. Think sleek

solitaires, geometric shapes, and mixedmetal

bands.

Business Network International (BNI) | 27


INDUSTRY PROS

Maximalism Is Back

Minimalism may have dominated the

last decade, but 2025 is all about

maximalism. Chunky chains, oversized

pendants, and layered looks are making

a strong comeback, allowing wearers to

make bold, unapologetic statements.

Why It’s Trending: After years of

restraint, consumers are ready to

embrace individuality and selfexpression.

Maximalist jewelry lets

people showcase their personality and

creativity.

How to Wear It: Combine chunky gold

necklaces with vibrant gemstone rings

or stack bangles in varying textures.

More is definitely more this year.

The Rise of Genderless Jewelry

The line between men’s and women’s

jewelry is blurring, with designers

embracing fluidity in their collections.

Genderless pieces focus on universal

appeal, with designs that work for

anyone, regardless of identity.

Why It’s Trending: Society’s shift

toward inclusivity and diversity is

influencing every corner of fashion,

and jewelry is no exception. Buyers

want versatile pieces that transcend

traditional categories.

How to Wear It: Simple yet striking

rings, minimalist cuffs, and signet

necklaces are perfect examples of this

trend. Pair them with casual or formal

looks for ultimate versatility.

Colored Gemstones Take

the Spotlight

While diamonds remain a classic, 2025

sees a surge in the popularity of vibrant

gemstones like sapphires, emeralds, and

rubies. Lesser-known stones like spinel,

tanzanite, and tourmaline are also

stepping into the spotlight.

Why It’s Trending: Color is making a

huge splash in fashion, and jewelry is

following suit. Gemstones allow wearers

to express individuality and add a pop

of intrigue to any outfit.

How to Wear It: Opt for bold cocktail

rings or earrings that feature a mix of

vibrant hues. For a subtler take, try

a single-stone pendant or a colorful

tennis bracelet.

Eco-Friendly and

Recycled Materials

Sustainability is no longer optional—it’s

a requirement. In 2025, jewelry crafted

28 | BUSINESSCHATT Magazine


Why It’s Trending: In a world saturated

with mass-produced items, bespoke

jewelry offers a sense of individuality

and connection.

How to Wear It: Layer personalized

pendants with initials, birthstones, or

meaningful symbols. Charm bracelets

are also making a nostalgic return.

from recycled gold, silver, and other

materials is becoming a must-have for

conscious consumers.

Why It’s Trending: Buyers are

increasingly prioritizing brands that

align with their values, and eco-friendly

jewelry allows them to indulge without

guilt.

How to Wear It: Seek out pieces with

a backstory, like pendants made from

reclaimed metals or earrings crafted

from upcycled gemstones. These items

often carry a unique charm.

Personalization Reigns Supreme

Jewelry has always been personal,

but now, buyers want to take it to the

next level. Customizable pieces, from

engraved rings to mix-and-match

charms, let people tell their own stories

through their accessories.

The Art Deco Revival

Classic elegance meets modern flair

with the return of Art Deco-inspired

designs. Think bold geometric patterns,

intricate detailing, and a touch of oldworld

glamour.

Why It’s Trending: Art Deco jewelry

offers timeless appeal while feeling

fresh and sophisticated. Its structured

designs are a perfect contrast to today’s

bolder fashion choices.

How to Wear It: Pair Art Deco earrings

or necklaces with evening wear for a

polished look, or use them to elevate

casual outfits with a touch of vintage

charm.

Mixed Metals Are In

Say goodbye to choosing between

silver and gold—2025 is all about mixing

metals. Designers are creating pieces

that seamlessly combine different

finishes for a modern, eclectic vibe.

Why It’s Trending: Mixed metals add

versatility, allowing wearers to pair

jewelry with any outfit without worrying

about clashing tones.

Business Network International (BNI) | 29


INDUSTRY PROS

How to Wear It: Combine gold and

silver bangles, or opt for necklaces and

rings that integrate multiple metals in

one design. The contrast creates visual

interest and a contemporary feel.

Statement Earrings Steal

the Show

Earrings are taking on a life of their

own in 2025. From dramatic chandelier

styles to oversized hoops, statement

earrings are a must-have for anyone

looking to add a touch of drama to their

wardrobe.

Why It’s Trending: As video calls

remain a staple, earrings have become

the jewelry of choice for making an

impact on-screen.

How to Wear It: Let your earrings

do the talking by pairing them with

minimal necklaces or no necklace at all.

Bold earrings deserve the spotlight.

Technology Meets Tradition

Innovative jewelry is entering the

market, incorporating wearable tech

features like health tracking and

NFC (near-field communication) for

payments or information sharing.

Why It’s Trending: Buyers love the idea

of blending beauty and functionality.

Smart jewelry offers the convenience of

technology without sacrificing style.

How to Wear It: Look for sleek rings

or bracelets that integrate tech in a

discreet, stylish way. It’s perfect for the

modern multitasker.

Jewelry in 2025 is all about balance—

honoring tradition while embracing

innovation, making bold statements

while allowing personal stories to shine.

Whether you’re drawn to the timeless

allure of Art Deco or the modern edge

of mixed metals, this year’s trends offer

something for everyone.

Ready to embrace the future of jewelry?

Let your accessories speak volumes

about who you are and where you’re

headed. Because in 2025, it’s not just

about what you wear—it’s about how it

makes you feel.

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30 | BUSINESSCHATT Magazine


This Spot is

Lonely.

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Reach your target audience in the Chattanooga, TN area with "BUSINESS CHATT," the ultimate

resource for local business professionals. This is your chance to showcase your products and

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• Direct Access to SMB Decision Makers: Connect with business owners, entrepreneurs, and

professionals eager to discover innovative solutions.

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Ad Options That Work for You

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Business Network International (BNI) | 31


INDUSTRY PROS

Revolutionizing Chattanooga

How Smart Roofs

Are Shaping a

Sustainable Future

32 | BUSINESSCHATT Magazine


As Chattanooga continues to embrace

innovation and sustainability, one of the

most transformative trends emerging

in the local construction and housing

market is the adoption of smart roofs.

Known for its scenic beauty and vibrant

community, Chattanooga is perfectly

positioned to become a leader in smart

roofing technology, which can help

maintain the city's natural charm while

embracing modern efficiency.

What Makes a Roof "Smart"?

Smart roofs integrate technology to

improve the functionality of traditional

roofing. In Chattanooga, where

weather can range from sunny days

to stormy nights, having a roof that

adapts to environmental changes and

enhances energy efficiency is not just

convenient—it's essential.

Key Features of Smart Roofs in

Chattanooga

Energy Efficiency: Chattanooga

residents can benefit from smart

roofs equipped with solar panels from

brands like Tesla Solar and GAF Energy,

which generate electricity, reducing

reliance on non-renewable energy

sources and decreasing utility bills.

Reflective materials by companies

like CertainTeed and Owens Corning

also help keep homes cooler during

the humid Southern summers, further

cutting down air conditioning costs.

Leak Detection: The weather in

Tennessee can be unpredictable,

with sudden storms that may cause

damage to traditional roofs. Brands

like LeakBarrier offer smart roofs in

Chattanooga that are equipped with

sensors that monitor for moisture and

leaks, providing homeowners with realtime

alerts to prevent water damage

and costly repairs.

Weather Adaptation: Some smart

roofs can change their properties

based on the weather, such as altering

reflectivity during intense sunlight or

improving insulation during cold snaps,

ensuring homes remain comfortable

without excessive energy use. Therma

Vent offers roofs that include these

adaptive features.

Durability and Maintenance: Designed

to withstand the elements, smart

roofs boast self-healing properties

that repair minor damages caused

by environmental exposure. This

feature is particularly beneficial in

Chattanooga, where the weather can

vary dramatically throughout the

year. Brands like Flexim Roof Putty

are leaders in providing durable,

maintenance-friendly roofing solutions.

The Benefits of Smart Roofs for

Chattanooga

Adopting smart roofs offers more

than technological advancement; it

Business Network International (BNI) | 33


INDUSTRY PROS

is a step towards sustainable living in

Chattanooga. By optimizing energy use

and reducing heat, these roofs can help

mitigate the urban heat island effect,

which is crucial for a city surrounded

by natural forests and mountains.

Moreover, utilizing solar energy

supports Chattanooga's ongoing

initiatives to promote renewable

energy solutions within the community.

Local Success Stories and

Applications

Chattanooga's businesses and

residential communities are already

seeing the benefits of smart roofing.

Local projects include residential

developments in the Northshore area

and commercial buildings downtown,

where smart roofs from brands like

Tesla Solar and GAF Energy have

helped to reduce operational costs

and increase energy efficiency. These

initiatives not only showcase the

practical applications of smart roofing

but also demonstrate Chattanooga's

commitment to sustainable urban

development.

Looking to the Future

For Chattanooga, a city proud of

its technological and environmental

initiatives, smart roofs represent the

next step in urban innovation. They

offer a practical solution to improving

building efficiency and sustainability,

which is essential for maintaining

the quality of life as the city grows.

As more homes and businesses in

Chattanooga choose smart roofs, they

contribute to a larger vision of making

the city a model for sustainable and

smart urban living.

Chattanooga's residents have a unique

opportunity to lead by example,

showing how technology and tradition

can blend to create a healthier, more

sustainable community. With smart

roofs, we are not just protecting our

buildings; we are investing in the future

of our beloved city. Join us as we

elevate Chattanooga, one smart roof at

a time.

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34 | BUSINESSCHATT Magazine


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Business Network International (BNI) | 35


FEATURE

The Future of

Real Estate in

Chattanooga:

What 2025 Holds

CONTENT SPONSORED BY:

Keller Williams

7158 Lee Hwy

Chattanooga, TN

37421

Rachel Bruner

423-255-6600

Bruner.rachel@gmail.com

Brunerstottrealtors.com

861 Long Branch Road, Rising Fawn, GA — 5 bed / 4.5 bath/ 6,648 s

Chattanooga, Tennessee, has long

been a gem of the Southeast—a city

where natural beauty meets innovation,

attracting both longtime residents and

newcomers. As we step into 2025, the real

estate market in Chattanooga continues

to evolve, shaped by emerging trends,

economic shifts, and the city’s unique

appeal. Whether you’re a buyer, seller,

investor, or industry professional, here’s

what you can expect from Chattanooga’s

real estate market this year.

A Market Balancing Growth and

Affordability

Chattanooga’s real estate market has

seen steady growth over the past decade,

fueled by its affordability compared

to larger metro areas. In 2025, the

city continues to attract professionals,

families, and retirees looking for value

without sacrificing quality of life.

However, with increased demand comes

rising prices. Median home values are

projected to climb modestly this year,

particularly in desirable neighborhoods

like Northshore, Signal Mountain, and

Ooltewah. That said, Chattanooga remains

more affordable than cities like Atlanta or

Nashville, making it a prime destination

for those seeking a balance of cost and

livability.

The Rise of Sustainable Living

Sustainability isn’t just a buzzword—it’s a

driving force in Chattanooga’s real estate

market. Buyers are increasingly drawn to

36 | BUSINESSCHATT Magazine


A Boom in Multi-Family Housing and

Rentals

As Chattanooga continues to attract

a younger demographic, including

tech professionals drawn to the city’s

burgeoning startup scene, demand for

rental properties remains strong. Multifamily

housing developments are on

the rise, particularly in downtown and

surrounding urban areas.

In 2025, investors are capitalizing on this

trend, with many focusing on properties

that offer modern amenities like

coworking spaces, gyms, and communal

outdoor areas. For tenants, these features

are becoming non-negotiable, especially

qft/ 30ft round pen/ 11 acres — Sold at $2,350,000

energy-efficient homes, solar-powered

systems, and eco-friendly building

materials. Developers and sellers who

prioritize green features are seeing strong

returns, as environmentally conscious

buyers are willing to pay a premium

for homes that reduce utility costs and

carbon footprints.

The city’s long-standing commitment to

sustainability, exemplified by initiatives

like its downtown revitalization and

green infrastructure projects, makes

Chattanooga a leader in this space.

Expect to see more listings highlighting

features like energy-efficient HVAC

systems, smart home technology, and

proximity to outdoor amenities.

CORE

VALUE01

GIVERS GAIN

Givers Gain is the underlying philosophy of BNI.

We exemplify that by giving business to others;

you will get business in return

bni.com

as remote and hybrid work models

persist.

Tech Integration in Real Estate

Technology is reshaping how real

estate is bought, sold, and managed in

Chattanooga. Virtual tours, AI-driven

property recommendations, and digital

contracts have become standard

practices, streamlining the buying and

selling process.

For real estate agents, staying tech-savvy

is no longer optional—it’s a must. Buyers

expect seamless online experiences, and

Business Network International (BNI) | 37


FEATURE

sellers want their properties showcased

through professional photography, drone

footage, and immersive virtual tours.

The real estate firms that adapt to these

demands are the ones thriving in 2025.

A Shift in Commercial Real Estate

Chattanooga’s commercial real estate

sector is navigating a period of

transformation. While traditional office

spaces have seen a decline in demand

due to remote work trends, mixed-use

developments are thriving. Businesses

are seeking flexible spaces that combine

work, retail, and living environments,

aligning with the needs of today’s

workforce.

Neighborhoods like Southside and

Warehouse Row are leading this shift,

with projects that blend historic charm

with modern functionality. Retail spaces

are also adapting, focusing on smaller

footprints and experiential offerings to

attract foot traffic.

8441 Mountain Laurel Trail, Signal Mountain, TN — 4 bed/ 4 bath/ 4

Suburban Growth and the Appeal of

Space

The pandemic’s impact on housing

preferences lingers, with many buyers still

prioritizing space and flexibility. Suburban

areas like Ooltewah and East Brainerd

continue to see growth, as families and

professionals seek larger homes with

yards, home offices, and proximity to

schools.

Developers are responding with new

construction projects that cater to these

needs, offering modern floor plans and

community-focused amenities. For those

willing to look just outside the city limits,

7157 Mossy Farm Trail, Harrison, TN —

4 bed/ 3 bath/ 2,719 sqft/ new construction

Listed at $669,900

38 | BUSINESSCHATT Magazine


However, increased regulation around

short-term rentals means investors need

to stay informed about local policies.

Those who focus on long-term rental

properties, multi-family units, and valueadd

opportunities are well-positioned to

see strong returns in the coming year.

Challenges Ahead

While Chattanooga’s real estate market is

full of promise, challenges remain. Rising

interest rates could make homeownership

less accessible for first-time buyers, while

inventory shortages may limit options in

certain price ranges.

Additionally, ongoing economic

uncertainty means that buyers and sellers

alike should work with experienced real

estate professionals who understand the

local market dynamics and can navigate

potential hurdles.

,000 sqft/ custom built home — Sold at $1,430,000

these suburban areas provide excellent

opportunities for value and lifestyle.

Opportunities for Investors

Chattanooga’s growing popularity

presents unique opportunities for real

estate investors in 2025. The rental

market remains robust, and short-term

rentals near popular attractions like

Lookout Mountain and the Tennessee

Aquarium continue to draw visitors.

What’s Next for Chattanooga Real

Estate?

Chattanooga’s real estate market in

2025 is a mix of innovation, growth, and

opportunity. As the city continues to

evolve, its unique blend of affordability,

natural beauty, and cultural vibrancy

makes it an attractive option for a wide

range of buyers and investors.

Whether you’re searching for your dream

home, exploring investment opportunities,

or simply keeping an eye on market

trends, 2025 is shaping up to be an

exciting year for real estate in the Scenic

City. As always, success lies in staying

informed, embracing change, and working

with the right professionals to achieve

your goals.

Here’s to a year of growth and

opportunity in Chattanooga!

Business Network International (BNI) | 39


THE WATERCOOLER

Beneath the Boards:

The Chattanooga

Cipher

When Evan bought his first home in Chattanooga, TN, he wasn’t looking for

history. He wanted charm, proximity to work, and a fixer-upper he could make

his own. The 1940s craftsman on the edge of Missionary Ridge seemed perfect—

until the crawlspace inspection revealed more than just dampness.

The Discovery

Evan hadn’t paid much attention to

the crawlspace. It was dark, cramped,

and smelled like mildew—a problem for

another weekend. But when he finally

suited up with gloves and a flashlight,

something odd caught his eye.

Tucked behind a wooden beam was a

rusted metal box, about the size of a

shoebox. Curious, Evan brushed off the

dirt and opened it to find a stack of

papers, brittle with age. At the top of the

pile was a note written in shaky cursive:

"To whomever finds this: Solve the cipher.

Protect what remains. - JD"

A Hidden Puzzle

The papers were covered in strange

symbols and seemingly random letters.

Evan recognized it as a cipher—an

encoded message. Luckily, he was a selfproclaimed

puzzle geek, having spent

countless nights cracking escape-room

mysteries and online ARGs. This was right

up his alley.

He spent the next few nights decoding

the first page, using a combination of

40 | BUSINESSCHATT Magazine


frequency analysis and online research.

Slowly, a message emerged:

with age, and a small velvet pouch that

felt heavy in his hand.

"Beneath the floorboards of the master

bedroom lies the key to Chattanooga’s

forgotten fortune."

Evan didn’t know what to expect, but his

curiosity had him ripping up the boards

by the next morning.

The Safe

Sure enough, under the floorboards, he

found a small, locked safe bolted to the

foundation. It was old, with a rotary dial

and no sign of a key. Evan stared at it, his

heart pounding. What was inside? A few

relics? Cash? Something darker?

He returned to the cipher for clues.

The next set of symbols decoded to

a sequence of numbers: 12-37-08—a

possible combination. With trembling

hands, he turned the dial.

The safe clicked open. Inside was a

leather-bound journal, its edges cracked

The Journal of JD

The journal belonged to one James

Darrow, a former Union soldier turned

Chattanooga entrepreneur. In its pages,

James recounted how he had amassed a

small fortune during the Reconstruction

era by smuggling rare gems from the

Appalachian mines. Fearful of being

discovered, he had hidden the gems in

secret locations across Chattanooga.

But the journal was more than a

memoir—it was a treasure map. Each

page described a hiding spot, marked

by cryptic ciphers and coordinates. The

velvet pouch contained the first piece of

the puzzle: a rough emerald the size of a

walnut.

A Race Against Time

Evan wasn’t the only one interested in the

crawlspace's secrets. While researching

James Darrow online, Evan stumbled

upon a decades-old news article about a

local historian who had disappeared while

Business Network International (BNI) | 41


THE WATERCOOLER

investigating Darrow’s life. It seemed

Darrow’s fortune was a legend others had

pursued—and failed to find.

Evan’s excitement turned to unease. Was

he ready to follow this trail? Could he

trust anyone with what he’d found?

He reached out to a crawlspace repair

company, "Chattanooga Crawlspace

Solutions," to reinforce the area and keep

prying eyes away. Their lead technician,

Claire, was intrigued by Evan’s story and

offered her expertise.

“Treasure hunts don’t pay if your house

collapses on you,” she joked. But her

practical advice helped Evan focus: if he

was going to chase this mystery, he’d

need the right foundation—literally.

The First Clue

With the crawlspace secured, Evan

turned his attention to the journal. The

first cipher led him to a historical marker

near the Walnut Street Bridge, where

he unearthed a rusted tin box buried

beneath an oak tree. Inside was another

gem and the next clue.

Evan soon realized he wasn’t just

piecing together a treasure map—he

was uncovering a hidden narrative of

Chattanooga’s history, from Civil War

secrets to forgotten landmarks. The

ciphers led him through cemeteries,

abandoned rail tunnels, and even the

basement of an old speakeasy downtown.

The Final Reveal

After weeks of decoding, digging, and

late-night brainstorming sessions, Evan

42 | BUSINESSCHATT Magazine


found himself back where it all began—his

crawlspace. The final clue revealed that

Darrow had hidden his largest gem, a

flawless diamond, under the very beams

that supported Evan’s home.

As Evan unearthed the treasure, he felt

a mix of triumph and disbelief. He had

done it—not just solved the puzzle, but

connected with a part of Chattanooga’s

past in a way few ever would.

Legacy

Evan chose to donate the gems and

journal to the Chattanooga History

Center, ensuring Darrow’s story would be

preserved. But the adventure changed

him. He realized the real treasure wasn’t in

the emeralds or diamonds—it was in the

thrill of discovery, the late-night puzzles,

and the unexpected friendships he’d

formed along the way.

“Crawlspaces might not be glamorous,”

Evan laughed as he handed over the

artifacts, “but they’ve got stories to tell if

you’re willing to get your hands dirty.”

Today, Evan’s house is known as

"The Cipher House," and thanks to

"Chattanooga Crawlspace Solutions," it

stands as a solid tribute to the mysteries

hidden just beneath the surface.

Your Ad

Here

Because White Space is Just Sad.

Reach Chattanooga's business community

with BUSINESS CHATT, the go-to resource

for local professionals. Showcase your

products and services to engaged decisionmakers

eager to discover solutions.

Why Choose Us?

• Access Key Decision-Makers: Connect

with entrepreneurs and SMB leaders.

• Targeted Exposure: Leverage the BNI

network for impactful B2B and B2C

communication.

• Trusted Resource: Readers rely on us for

insights, trends, and opportunities.

Ad Options to Fit Your Goals

Choose from premium placements,

sponsored content, or advertorials tailored

to your needs.

Highlights in BUSINESS CHATT:

• Financial Forecasts

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• Local Chapter Spotlights

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SPONSOR

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CONTENT SPONSORED BY:

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Street Address

City, State

Ziocode

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Contact phone | contact email

Website URL

Invest in your business's growth—reserve

your spot today!

Contact

Amy Williams

Amy@bnisetn.com or

Jason Uzarraga

juzarraga@tictactagbrands.com.

Business Network International (BNI) | 43


7

GROWING YOUR BUSINESS

7 Hacks to Remember Names

More Effectively

These tricks can make it easier for

you to remember your new neighbors

or that person you met at last week’s

networking event.

CONTENT SPONSORED BY:

SPONSOR

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ARTICLE

Company Name

Street Address

City, State

Ziocode

Contact Name

Contact phone | contact email

Website URL

Holiday party season is starting to ramp

up, which means you’ll be meeting new

people and seeing others you’ve met

in the past. It also means your ability to

remember names will be put to the test.

If you have trouble in this area, you’re not

alone.

There’s a biological reason for why

remembering names is a challenge, says

Ian McDonough, professor of psychology

at Binghamton University. “Our minds aim

to use all our previous knowledge and

experience to make predictions about

the world,” he says. “When we want to

learn new information, we are faster at

learning when it takes advantage of our

knowledge and experience. Remembering

people’s names is more complicated

than we realize. It involves combining

two pieces of completely arbitrary

information: a face and a word.”

That doesn’t mean we should shrug our

shoulders and give up. “People like being

remembered. They can feel offended if

44 | BUSINESSCHATT Magazine

EN


they think you’ve forgotten them,” says

Ivan Misner, founder of BNI, a business

networking organization, and author

of Who’s in Your Room: The Secret to

Creating Your Best Life.

Fortunately, there are a few tricks you can

use to improve your recall in this specific

area.

Engage Multiple Senses

We are more apt to remember

information, such as names, if we engage

more than one sense, says McDonough,

explaining, “Hearing a name engages

your auditory sense. If we visualize how

the name is spelled, we will engage our

visual sense. Better yet, if we write down

the name, then we engage our visual and

motor senses.”

When you write down someone’s name,

it helps to make a note about what you

talked about or what the person looks

like. By “encoding” the name with more

than one sense, you’ll be more apt to

learn it, especially if the name is one you

haven’t heard before, says McDonough.

Tap Into the Power of Repetition

Repetition is key for remembering names,

says Misner, noting, “When you meet

somebody and they throw their name at

you, your mind is usually thinking of other

things. Literally 20 seconds later, you’ve

forgotten it.”

Instead, Misner recommends asking them

to repeat their name. “You can ask, ‘How

is that spelled?’ Or if you’re reading their

name [on a name tag, for example], ask

how it’s pronounced. This is especially

important if it’s an unusual name.”

One trick McDonough suggests is to

repeat the name back to the person upon

meeting them. By doing that, he says,

“You are confirming you heard the name

correctly, you are engaging your auditory

senses one more time, and by generating

the name yourself, you will benefit from

a common mnemonic strategy called

GAGE

Business Network International (BNI) | 45


GROWING YOUR BUSINESS

the ‘generation effect’: the phenomenon

in which things you generate or say are

usually better remembered than when

you hear someone else saying them.”

Repetition is especially important

at events, which can be filled with

distractions. “Often at parties or other

social gatherings, it can be hard to

hear people,” McDonough says. “If

you don’t entirely hear their name, it

won’t be stored, and thus it will not be

remembered. Ask them to repeat it and

lean in closer this time.”

Introduce Them to Someone Else

Another way to remember someone is to

make a point of introducing them to other

people. Going into an event with that goal

will make you more likely to listen when

you meet someone. And connecting them

to someone else then gives you a chance

to repeat and use their name.

Misner recommends asking them

questions and then introducing them to

someone you know based on what you’ve

learned. “You can say, ‘I think I know

someone who might be interested in what

you do,’” he says. “Take them over and

introduce them. You are constantly using

the name.”

him on my way to work, but his name just

would not stick. So I created a mental

image. He was balding, and Craig rhymes

with ‘egg,’ and so I imagined a giant egg

in place of his face.”

That trick made the difference,

McDonough says, noting, “If a clever

rhyme and image don’t work, imagine

the text of the name bouncing around

the person or perhaps related to some

contextual information like where they

work.”

You can also relate them to someone else

you know with that name. “Our brains

learn information better if we can relate

previous experiences or knowledge to

what we want to learn,” says McDonough.

“So, if you already know someone with

the same name, think of that person and

put them in the same mental bucket.

Better yet, visually imagine the new friend

standing next to or hugging your old

friend with the same name. Remember,

the more distinctive or bizarre the better.”

Use Distinctive Imagery or Rhymes

People remember things associated with

visual imagery, and the more distinctive or

bizarre that mental imagery, the more it

will stick.

“One time I was trying to remember a

person named Craig,” McDonough says.

“I saw him day after day and talked to

46 | BUSINESSCHATT Magazine


Test Your Retrieval Process

Before you part ways, make a habit of

using the person’s name one last time. For

example, “It was nice meeting you, Chris.”

If you can remember their name at this

point, repeating it serves as a type of

retrieval practice, which McDonough says

is one of the best learning techniques. If

you’ve already forgotten the name, it’s

the perfect time to politely tell them how

great it was meeting them and asking,

“Can you tell me your name again?”

“Catch their name one more time before

it gets awkward,” says McDonough.

You can leverage the retrieval practice

by recalling the person’s name a minute

after your conversation is over, then 5

minutes later, 10 minutes later, and again

20 minutes later.

Ask for Context

If you can’t remember someone you’ve

met before, Misner says it could be a

context problem. For example, you may

have met someone at an office party. If

you run into them at the grocery store, it

can be harder to place the connection.

“Ask them to remind you where you

previously met,” Misner suggests. “They’ll

often reply and provide context. Then,

boom, you’ll remember. Context always

helps.”

Make It Easy for Others to

Remember You

Finally, it can help if you make it easy

for someone to remember you. Misner

cautions against asking, “Do remember

me?”

“What you want to say is, ‘It’s great to see

it again. I don’t know if you remember, but

we met at such and such a location,’” he

says. “Now you’ve given context so the

person can reply with ‘Yes, I remember

you.’ Make it easy for people to connect

with you when you’re meeting them

again. And don’t be offended if they don’t

remember you immediately.”

Since recalling someone’s name is a

universal challenge, cut yourself and

others a little bit of slack, especially

during the holiday season.

CORE

VALUE02

BUILDING

RELATIONSHIPS

The importance of developing meaningful

connections with other business professionals

bni.com

Business Network International (BNI) | 47


GROWING YOUR BUSINESS

The Importance of

Social Responsibility in

Growing Your Business

BNI Members are already committed

to giving back to our communities and

making a positive impact in the world. It’s

in our nature. We also know that social

responsibility is good for business.

Corporate social responsibility (a.k.a.

CSR) is a business approach that delivers

economic, social and environmental

benefits for all involved. It’s a broad

concept that encompasses a wide range

of activities, including:

Community Outreach

• Pro Bono Services

• Ethical business practices

• Philanthropy

It is not solely about doing good for

society; it is also a good business practice.

CSR can help your business to:

• Attract and retain customers and

employees

• Improve their brand reputation

• Reduce risk

• Increase innovation

• Boost profitability

CSR fits perfectly with our BNI philosophy.

It’s all about Givers Gain®. Let’s dive into

this topic to see how you can implement

some ideas into your own business.

Why is CSR important for small

businesses?

CSR is just as important for small

businesses as it is for large businesses.

In fact, small businesses are often better

positioned to implement CSR initiatives

because they are more agile and can

respond quickly to the needs of their

communities.

48 | BUSINESSCHATT Magazine


CSR can help small businesses to:

• Stand out from their competitors

• Attract new customers and employees

• Build relationships with their

communities

• Improve their bottom line

How can you implement CSR?

There are many ways that small

businesses can implement CSR. Here are a

few ideas:

• Support local charities and nonprofits.

• A BNI Member who is a real estate

agent donates a portion of her

commission from every sale to a local

animal shelter.

• An accounting firm partners with the

financial advisor in their Chapter and

offers free financial planning services to

lower-income individuals.

• A small construction company or

handyman volunteers time and supplies

to help improve or repair homes for

low-income families.

• A small marketing agency donates

its services to help local nonprofits

promote their causes.

The most important thing is to get

creative and find ways to make a

difference in your community. This

increases your Visibility, Credibility, and

Profitability (VCP) and gives your brand a

permanent connection to your local area.

Consider partnering with the Members

of your Chapter to create a donationinspired

event like a toy drive or food

bank donation which doesn’t cost

Members very much but collectively

makes a large impact. Every little bit

helps. And remember, the more you give,

the more you gain!

• Adopt sustainable business practices.

• Create a fair and inclusive workplace.

• Be transparent and accountable.

What are a few examples of how small

businesses in BNI can use CSR?

• A small coffee shop donates a portion

of its profits to a local charity or offers

free coffee or food to those in need.

SPONSOR

THIS

ARTICLE

CONTENT SPONSORED BY:

Business Name

Address

City, State

Zipcode

Full Name

Phone number

Email Address

Web Address

Business Network International (BNI) | 49


KICKSTARTING 2025

Sarah W.

Chattanooga, TN.

Edward Jones client

since 2024

50 | BUSINESSCHATT Magazine


A Story of Fresh Starts

and Big Goals

As the clock struck midnight on New Year’s Eve, Sarah

sat on her couch, a glass of sparkling cider in hand

and her journal open on her lap. She wasn’t one for big

resolutions, but this year felt different. 2024 had been a

rollercoaster—some wins, a few losses, and a lot of lessons

learned. Now, with 2025 unfolding in front of her like a

blank page, she felt ready to take control.

But where to start?

The Reflection

Flipping back through last year’s

journal entries, Sarah smiled at the

memories of her successes: paying off

her car loan ahead of schedule and

finally taking that family trip to the

Smoky Mountains. Then, there were the

less-than-stellar moments: unexpected

medical bills that drained her savings

and a few too many impulse buys

during holiday sales.

She scribbled a note to herself:

“Celebrate the wins. Learn from the

losses.” A quote she remembered from

speaking with her financial advisor in

mid-July of that year.

For Sarah, the first step was clear: take

stock of where she was and where she

wanted to go.

The Goal Setting

Sarah had heard it a hundred times

before—goals need to be specific. Still,

it felt overwhelming to narrow down

her ambitions into neat little packages.

So, she decided to keep it simple:

Business Network International (BNI) | 51


KICKSTARTING 2025

Build her emergency fund back up to

$5,000.

few too many takeout orders, and little

purchases that added up.

Spend more intentionally—no more

late-night scrolling on shopping apps.

Start planning for her dream of

owning a cozy cottage on the edge of

Chattanooga’s Lookout Mountain.

Each goal felt personal, tied to

something she deeply cared about,

and just achievable enough to keep her

motivated.

The Budget Makeover

Sarah knew her budget needed some

love. It had been neglected over

the holidays, with gifts and parties

throwing her off track.

She spent an afternoon combing

through her bank statements. There

it was—the truth staring back at her.

Subscriptions she’d forgotten about, a

Her solution? A budget that worked

for her, not against her. She signed up

for a budgeting app, categorized her

spending, and left a little room for fun

because life wasn’t just about saving.

Tackling Debt

Her credit card balance wasn’t out of

control, but it lingered like an annoying

fly buzzing in her ear. Sarah decided to

tackle it head-on.

She chose the avalanche method—

paying off the highest-interest balance

first while making minimum payments

on the rest. Each month, she’d set aside

a little extra to speed up the process.

With her plan in place, Sarah felt lighter,

as if the weight of her debt had already

started to lift.

52 | BUSINESSCHATT Magazine


Dreaming Big

It wasn’t all about numbers, though.

Sarah had a vision for her future. That

little cottage near Chattanooga’s

rolling hills wasn’t going to buy itself.

She started researching ways to

boost her income. Maybe it was

time to ask for that raise at work. Or

perhaps she could finally turn her love

of photography into a side hustle,

offering family portraits in the beautiful

Tennessee outdoors.

Her dreams weren’t just daydreams

anymore—they were plans.

A Fresh Perspective

As January unfolded, Sarah found

herself feeling... lighter. She’d said

goodbye to financial clutter, set goals

that mattered, and created a plan that

felt achievable.

But the biggest shift wasn’t in her

bank account. It was in her mindset.

For the first time in years, Sarah felt

in control. She wasn’t just reacting to

life’s challenges—she was proactively

building the life she wanted.

The Power of a Fresh Start

By February, Sarah had already hit

her first small milestone: she’d saved

$500 toward her emergency fund and

paid off the smallest of her credit card

balances. She celebrated with a home-

cooked meal and a quiet moment of

gratitude.

Her journey wasn’t perfect, and she

knew there would be setbacks. But this

time, she was ready.

Because the real power of a new year

isn’t in making resolutions. It’s in taking

the first step, and then the next, and

then the next—until one day, you look

up and see how far you’ve come.

For Sarah, 2025 wasn’t just a year.

It was the beginning of something

bigger: a life lived with intention,

purpose, and hope. And that, she

thought, was worth every bit of effort.

As you step into 2025, maybe Sarah’s

story feels a little like yours. Take a

page from her playbook. Reflect, reset,

and let this year be the one where you

take control. The life you want is closer

than you think—all it takes is that first

step.

CONTENT SPONSORED BY:

Edward Jones

14821 Dayton Pike Ste C,

Sale Creek, TN

37373

Manny Carril

423-243-3535

manny.carril@edwardjones.com

edwardjones.com

Business Network International (BNI) | 53


REFERRAL STORY

Title goes here

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volest si

veni minis

FIRST LAST NAME

Company Name

Street Address

City, State

Ziocode

Contact Name

Contact phone | contact email

Website URL

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urepudis maximpel est et as eum, sed ut

magnam re solorrum quaestImodit aut

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aepudis quaestenim est persper

aturisqui sant optatior am, officiis verisque

sitat.

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venis velessit aborest quas vera

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de nimus.

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et volum fugitam quias ea sit diteceaquo

tem quo que doles etur, optur, que vendi

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aut et landanihicia qui as alit et que nosania

ndebis est, ipsum qui consequia nos

vel entiori tem ipsum qui tota cus dent

volupit evendusam eniet aboraes temoluptatem

que volorepudae. Nequi vella-

54 | BUSINESSCHATT Magazine


bo rporiae voluptas ad que nonseria nis

doluptur? Quia am quo con conectur, am

restotas debitae rcipsam, odipit, in rerrum

nissenis velis quisquis si nulla non re nosandeles

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que verum volorum, omni dicab

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venitam quibus et quas eaque es et reptiis

in porere nonse liquidenisto blab iliquas

vel inctorum necte cum sequat atem auda

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nem esti dunt del inveles sinvellabori consendiosa

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officia amus num asped magnihiciume

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molupta ecumquatures sum nonsequam

faciant.

Tiis dest aut iniet officit volupta quunto

quo cone volor aut que la sumque eum

iunt minvel is aut ad experum qui nam

FIRST LAST NAME

Company Name

Street Address

City, State

Ziocode

Contact Name

Contact phone | contact email

Website URL

Business Network International (BNI) | 55


REFERRAL STORY

Erin Thomas’ Winning Video: The

Power of BNI Referrals

To celebrate BNI's 40th anniversary, we invited Members to share how BNI has

impacted their lives beyond business. With nearly 100 inspiring submissions,

narrowing down the entries was no easy task!

We're excited to announce Erin Thomas from BNI Ohio, USA as one of our Top 3

Grand Prize Winners. This video tells the inspiring story of a home, illustrating how the

power of BNI and its referrals can transform any situation and create lasting change.

SPONSOR

THIS

ARTICLE

CONTENT SPONSORED BY:

Company Name

Address

City, State

Zipcode

Full Name

Phone number

Email Address

Web Address

56 | BUSINESSCHATT Magazine


Your Ad

Here

It’s Like a Billboard, But Without the Car Crashes.

Reach your target audience in the Chattanooga, TN area with "BUSINESS CHATT," the ultimate

resource for local business professionals. This is your chance to showcase your products and

services to an engaged and motivated community.

Why advertise with us?

• Direct Access to SMB Decision Makers: Connect with business owners, entrepreneurs, and

professionals eager to discover innovative solutions.

• Targeted Exposure: Our readers are part of the BNI network and beyond, creating an ideal

platform for impactful B2B and B2C communication.

• Trusted Resource: BUSINESS CHATT is more than a magazine—it's a hub of insights, tips, and

trends that readers rely on to drive their success.

Ad Options That Work for You

Choose from premium placements, sponsored content, advertorials, and more to suit your brand's

goals. With flexible ad packages, you can maximize visibility and fit any budget.

Featured in BUSINESS CHATT:

• Financial Forecasts

• Real Estate Market Updates

• Local Chapter Spotlights

• Industry Vacancy Announcements

Your ad in BUSINESS CHATT is an investment in your business's future. Don’t miss out on the

opportunity to connect with the Chattanooga business community.

Reserve your spot today!

Contact us at Amy Williams at Amy@bnisetn.com or Jason Uzarraga at juzarraga@tictactagbrands.

com to learn more about ad rates, deadlines, and available placements.

Let’s grow together with BUSINESS CHATT!

Business Network International (BNI) | 57


Top

Producer

58 | BUSINESSCHATT Magazine


Business Network International (BNI) | 59


BNI TOP PRODUCER

TOP PRODUCER

Pinnacle Financial

801 Broad Street

Chattanooga, TN

37402

60 | BUSINESSCHATT Magazine

Nora McCorkel

P. 423-208-8674

E. nora.mccorkel@pnfp.com

pnfp.com


Title goes here

Agnis voloreribusa

volest si

veni minis

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susdam eos re occus ea con rem disciat

urepudis maximpel est et as eum, sed ut

magnam re solorrum?

quaestImodit aut imoles quaspiciet posti

ut enisciatem inumend aepudis quaestenim

est persper aturisqui sant optatior

am, officiis verisque sitat.

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venis velessit aborest quas vera

dolut que coribus dic te num facearcimos

et, invenem si idiam?

volor maiossit re aut doluptaqui non con

num aceri aut odisti quae quam, si ad que

que non rerat qui rerci rese nonserovit

exeribeatus con perunt esecte dolupta

tquates truptiustet, solupta deliquia volore,

et explam que de volecaboriti ratio

tem as nobit, consed quam re latemolo

videmo volum verunt de nimus.

Porro omnihicium accullaborro verro

blaut as quas dollique es natemporit liquaero

delitius, optius maio blaboribea

veliquis?

et volum fugitam quias ea sit diteceaquo

tem quo que doles etur, optur, que vendi

bea venimporum, sum utem dolo corem

aut et landanihicia qui as alit et que nosania

ndebis est, ipsum qui consequia nos

vel entiori tem ipsum qui tota cus dent

volupit evendusam eniet aboraes temoluptatem

que volorepudae. Nequi vellabo

rporiae voluptas ad que nonseria nis

doluptur? Quia am quo con conectur, am

restotas debitae rcipsam, odipit, in rerrum

nissenis velis quisquis si nulla non re nosandeles

excessime nat.Tet velit ellat landi

sum voloruptio et res eum fugiae volo

tempere reroritatis quibustota aceatento

quoditem laborruptia natestrum liquatis

et acid utatius rehentiam eaquidi raectem

odistenis et eum lit quatiis modit ant.

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dem fuga. Ut voluptatus vel essitis

aut fuga. Ureste non niet expliatur,

tem ut la eos?

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iliciume nullupit as vollab ipsametum, ut

ea doluptis dusaecae nosamus.

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offic tem aute volestotat maioratetur?

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re dolor moluptur, voluptatis eum que od

utempor moluptatur, tem quos aut que

perori sapit lantur re venitam quibus et

CORE

VALUE03

LIFELONG

LEARNING

The value of continually developing your

knowledge and skills

bni.com

Business Network International (BNI) | 61


GIVING BACK

Building Stronger

Communities with CHI

Markets: The Power of Local

In the heart of Chattanooga, a revolution

in local food and community support

is thriving, thanks to CHI Markets

(Community Helps Itself). As we navigate

through turbulent economic times,

the significance of supporting local

enterprises like CHI cannot be overstated.

CHI Markets isn't just a marketplace; it's a

lifeline for many, ensuring access to clean,

safe, and locally-sourced food—a vital

resource as food security becomes an

increasingly urgent concern.

initiative that feeds thousands and fosters

economic sustainability. In the last two

years alone, CHI Markets, with the help

of corporate sponsorships, has provided

meals to over 1,000 families in need,

and cumulatively, the organization has

Founded in 2012 by Bates Reed, CHI

Markets sprang from a necessity to

combat the decline in food quality and

increase in food adulteration seen in our

global supply chains. Concerns such as

the approval of lab-grown meats and

the infiltration of low-grade meats from

overseas highlighted the urgent need

for transparency and quality in our food

sources. Bates, driven by a vision of purity

and community resilience, and inspired by

his loyal dog, Chi, established CHI Markets

to forge a path to food security through

local means.

Since its inception, CHI Markets has

transformed into a robust community

support system. It's more than just

a business; it's a community-centric

62 | BUSINESSCHATT Magazine


donated over 90,000 lbs of food since its

founding.

What makes CHI Markets truly stand

out is its commitment to the local

economy. By supporting local farmers

and producers, CHI not only offers fresh,

quality food but also strengthens local

economies. Each purchase made at CHI

Markets circulates money within the

community, helping to keep local farmers

and businesses afloat during challenging

times.

Bates Reed, with over 40 years of

experience in local sourcing, has been

a pillar in the movement towards a

sustainable community food network. His

dedication extends beyond just business;

it is about building a legacy of knowledge

and practices that can be passed down to

future generations, ensuring they inherit a

system where healthy and affordable food

is the norm, not the exception.

CHI Markets invites everyone—consumers

and businesses alike—to participate in

this local revolution. Whether you're a

consumer looking for fresh produce and

meats, or a small business aiming to

collaborate and grow your local product

presence, CHI offers a platform to engage

directly with the local economy.

As we face ongoing economic challenges

and rising inflation, supporting local

initiatives like CHI Markets is not just

a choice—it's a necessity for ensuring

our community's health, economy, and

future resilience. Let's stand together

with CHI Markets to foster a community

that thrives on cooperation, quality, and

mutual support. Join us in nurturing

and participating in a local ecosystem

where everyone benefits—today, and for

generations to come.

NON-FOR-PROFIT

CHI Markets

2008 Dayton, Blvd

Chattanooga, TN

37415

Bates Reed

423-800-9043

communityhelpsitself.org

Business Network International (BNI) | 63


GROW WITH BNI

The Transformational

Power of Referrals: 4

Stats Every Business

Should Know

How long have you been searching for

the best way to get new clients? As

an entrepreneur, you’ve probably tried

countless marketing strategies to reach

your customers. Yet, despite all your efforts,

getting a steady stream of business can

sometimes feel out of reach. What if the

answer lies in something so simple and

human, but that you may never have thought

of in relation to your business?

• The same principle applies to business

referrals. When a client recommends

your services, it instantly builds trust and

credibility.

Think about the last time you visited a

restaurant or saw a movie that a friend

recommended. You trusted their opinion

and it probably saved you lots of time in

searching and deciding, right? It’s easy to

assume why that’s the case, but for those

who want to dig a little deeper, here’s why

referrals so impactful.

But it doesn’t end there. Referrals aren’t just

a helpful way for prospects to learn about

your company, they improve metrics at

almost every stage of the customer lifecycle,

resulting in better business.

The psychology of Social Proof is at play

here.

• A positive experience from a reliable

person adds a strong sense of confidence.

• We tend to turn to familiar connections in

uncertain situations.

64 | BUSINESSCHATT Magazine


Multiplying Sales Conversion Rate

Your conversion rate is where it all begins.

It is one of the biggest levers on sales,

business growth and ROI. Referrals can

help supercharge your conversion rate

because they’ve already been vouched for

by someone they trust. They know what they

need and are ready to make decisions faster.

So, what comes after conversion?

Boosting Retention Rate

When prospective leads come through

referrals, there is already a relationship and

sense of loyalty established. They trust the

personal endorsement and are more likely

to align their expectations with what your

business offers. This leads to higher retention

rates as well as repeat business, resulting in

increased lifetime value.

GET A

FREE

MEMBERSHIP

TO BNI

New for 2025! Sponsor

three (3) new members

and you get your

membership for free.

Take advantage of the offer today.

Get more information, contact

Amy Williams at amy@bnisetn.com

Business Network International (BNI) | 65


GROW WITH BNI

Increasing Lifetime Value of Customers

Businesses thrive on long-term relationships

and referred clients tend to be more loyal

than those acquired through other channels.

The result? They start spreading the word

to their network, and you not only get more

repeat business, but also tap into their

network. This is like a ripple effect that

you don’t really get with other marketing

strategies.

So, Why Should Referrals Be Your Core

Marketing Strategy?

• Built-In Trust: Prospects who come

through referrals already trust your

business.

• Stronger Connections: These clients have

a deeper connection to your brand.

• Repeat Business: They’re more likely to

come back, as their initial experience is

validated by someone they know.

How BNI helps businesses grow through the

power of referrals?

BNI’s proven structure and timeless Core

Value of Givers Gain® creates a highcommitment

environment, resulting in

referrals that exceed other traditional

business networking methods. BNI Members

show up when someone is in need, before

they expect to gain. The approach of

giving first creates a positive atmosphere

for everyone and creates important

opportunities and lasting relationships.

BNI’s global presence in 76 countries, with

over 325,000 Members makes it the world’s

largest referral networking organization.

Why BNI Membership is a great marketing

strategy for your business?

• Local business, global network: Take your

business to new heights by accessing a

global network of professionals spread

across 76 countries.

• Make powerful connections: Engage with

like-minded businesspeople and enhance

66 | BUSINESSCHATT Magazine


your expertise through speed networking

style one-to-one meetings.

• Become a leader in your community:

Build your career through BNI with

opportunities for learning and growth into

leadership roles.

• Lock out the competition: Exclusive seat

category. Each Chapter includes only

one Member from each industry, and all

referrals for your profession come directly

to you.

Experience the power of referrals and watch

your business grow in ways you never

imagined. Don’t wait – Get invited to a BNI

Chapter meeting near you to experience the

power of referrals in action or schedule a

visit to one of our chapters on the following

page.

Don’t Let Your

Competitor

Take This Spot.

Call Now!

Reach Chattanooga's business community

with BUSINESS CHATT, the go-to resource

for local professionals. Showcase your

products and services to engaged decisionmakers

eager to discover solutions.

Why Choose Us?

Dream

Referral

• Access Key Decision-Makers: Connect

with entrepreneurs and SMB leaders.

• Targeted Exposure: Leverage the BNI

network for impactful B2B and B2C

communication.

• Trusted Resource: Readers rely on us for

insights, trends, and opportunities.

Ad Options to Fit Your Goals

Choose from premium placements,

sponsored content, or advertorials tailored

to your needs.

If there was ONE person

you'd love to conect with to

get your business to the next

level, who would that be?

Who is your

dream referral?

Contact Elaine Zambos at

elaine@bnisetn.com for your

next steps to success.

Highlights in BUSINESS CHATT:

• Financial Forecasts

• Real Estate Insights

• Local Chapter Spotlights

• Industry Vacancies

Invest in your business's growth—reserve

your spot today!

Contact

Amy Williams

Amy@bnisetn.com or

Jason Uzarraga

juzarraga@tictactagbrands.com.

Business Network International (BNI) | 67


GROW DREAM WITH REFERRAL BNI

WHO IS YOUR..

Dream

Referral

68 | BUSINESSCHATT Magazine


Next Level:

Tic-Tac-Tag Brands

Seeks VW &

Coca-Cola Collab

Chattanooga-based Tic-Tac-Tag Brands, a

leading digital and experiential marketing

agency, is eager to partner with Coca-Cola

and Volkswagen for innovative marketing

projects. Specializing in digital campaigns

and photobooth activations, the agency aims

to become the outsourced vendor for special

projects that enhance brand engagement

and consumer interaction.

Co-owner Jason Uzarraga sees this potential

partnership as a milestone for the agency,

offering a chance to set new benchmarks

in the marketing industry. “Collaborating

with such iconic brands would allow us to

bring our unique blend of creativity and

technology to a wider audience,” he stated.

Tic-Tac-Tag proposes to leverage its expertise

in creating engaging digital narratives and

enhancing live event experiences with its

signature photobooths, which are equipped

with real-time social media integration.

These tools not only amplify event impact

but also gather valuable consumer data,

aligning with the marketing objectives of

Volkswagen and Coca-Cola—brands known

for their innovative approach to consumer

engagement.

By connecting with marketing directors at

these corporations, Tic-Tac-Tag Brands aims

to showcase its capabilities in delivering

comprehensive, turnkey solutions for both

digital and experiential marketing, hoping

to forge lasting partnerships and launch

groundbreaking initiatives.

CONTENT SPONSORED BY:

Tic-Tac-Tag Brands

7560 Catchfly Drive

Ooltewah, TN

37363

Jason Uzarraga

773-655-1663

juzarraga@tictactagbrands.com

tictactagbrands.com

Business Network International (BNI) | 69


DREAM REFERRAL

Brothers Financial, which is owned and

operated by Brian Reid and wife, Michelle,

is eyeing a pivotal role in Chattanooga’s

real estate market. Their dream referral?

To become the preferred lender for small

to medium-sized home builders such as

Pratt Homes and Trust Home Builders. This

strategic aim underlines their commitment

to fuel local economic growth by supporting

residential development projects with expert

financial solutions.

Becoming the

Preferred Lender

for Chattanooga’s

Home Builders

CONTENT SPONSORED BY:

Brothers Financial

2700 Broad St, Ste 136, Unit 101

Chattanooga, TN

37408

Brian Reid

423-425-9512

Brian@brothersfin.com

brothersfin.com

Brian, emphasizes the importance of this

goal. “Our mission is to foster the local

economy by offering customized financing

that enables builders to achieve their project

goals efficiently,” he says. With their deep

understanding of mortgage solutions, a vast

network of lenders, and local real estate

dynamics, Brothers Financial is perfectly

positioned to meet the specific needs of the

new home building community. They offer

competitive rates and a full array of loan

options, as no two buyers are the same…

Conventional , FHA, VA, USDA, creative

solutions for the self-employed, first-time

homebuyers, or investors, Brothers Financial

has what you need.

This partnership would benefit builders like

Pratt and Trust by providing them with a

reliable financial ally dedicated to ensuring

their projects proceed smoothly. It also

offers Brothers Financial an opportunity to

cement their presence in the local market

and contribute to Chattanooga's housing

development. Through this initiative,

Brian aims to create lasting partnerships

that propel both their growth and that

of the local community, reinforcing their

commitment to being a cornerstone of

Chattanooga’s development.

70 | BUSINESSCHATT Magazine


Start Your

Loan App Today!

No matter if you’re buying your first home or

refinancing, we at Brothers Financial are guided by

our Core Values...treating people with genuine

kindness, developing long-lasting relationships,

simplifying the mortgage process, and being open

& honest with our clients.

Heather D

Posted on January 22nd, 2025 06:01 AM

By far the easiest broker to work with. He

communicated during all aspects of our long buy and

sale process. He answered numerous questions and

ensured we were clear to close without any issues. 10

out of 10 would use again if needed.

5-Star Review

Loan Products & Services We Offer:

• Conventional

• FHA, VA, USDA

• 1st Time Homebuyers

• Down Payment Assistance

• Credit Repair

• Debt Consolidation

• Investor Cash Flow

• Bank Statement Loans for

Self-Employed & 1099 Contractors

• Home Equity Loans (HELOC)

• Reverse Mortgages

Mackenzie L

Chattanooga, Tennessee

Posted on January 28th, 2025 11:50 AM

Brian was extremely helpful in helping me buy my first

home. I had so many questions and he helped guide

me through the whole process and all of the stress. I

would highly recommend him to anyone looking to

refinance or buy a home. He responded quickly every

time I reached out and had a wealth of knowledge on

anything I was concerned about.

5-Star Review

Jonathan R

Signal Mountain, Tennessee

Posted on October 3rd, 2024 10:44 AM

The entire process was smooth thanks to Brian. He

goes above and beyond to explain all options and is

always available. I am eligible for VA loans and other

lenders encouraged me to use other options, Brian

knows the intricacies of the VA process and saved me

a lot of money and allowed me to use my maximum

benefit. He is also always there to answer any

questions for realtors and was a vital factor in us

securing our house in a difficult market

5-Star Review

Business Network International (BNI) | 71

NMLS #2471245

423-425-9512 (TN)

www.BrothersFin.com


HEALTH AND WELLNESS

There are

Options

CONTENT SPONSORED BY:

Theweofme Flips LLC

302 Northgate Mall, Suite 957

Hixon, TN

37343

Darlene DuBois

423-827-2418

theweofmeflips@gmail.com

theweofme.org

72 | BUSINESSCHATT Magazine


Brokenness

She was barely 19, home after a long day

of college classes. She looked forward to

relaxing with her dog and a soda. She lived

with her dad; it was just the two of them, and

she couldn’t wait to share stories about her

day.

But the house was dark. Strange. He was

always home by now.

Then she saw him.

She didn’t want the house. She wanted her

daddy back.

Impact

Tragedy and brokenness can strike anyone,

anywhere, at any time. It can show up in

countless ways and leave a lasting mark.

A tragedy can spark fear and uncertainty

that chokes even the strongest of us. Its

aftermath often brings an overwhelming

wave of emotions: guilt, embarrassment,

anger, frustration, confusion, and doubt.

And she screamed. And screamed. And

screamed.

The closest neighbor came rushing outside

as her cries pierced the air. She stumbled out

the front door, yelling, “MY DADDY’S DEAD!

MY DADDY’S DEAD!”

Within moments, the street was filled with

flashing lights—police cars, fire trucks,

ambulances, and concerned neighbors. Even

her father’s three ex-wives showed up. But

it was her 86-year-old grandfather who

brought order to the chaos and took charge

of her. He sent her to stay with her mother

while he and others “sorted things out.”

She was told her father had died of natural

causes. But how is it natural to die before

you’re 50? How is it natural for a 19-yearold

to suddenly make decisions she never

thought she’d face? Who said she knew what

to do next?

Everyone kept saying she was "lucky"

because the house was also in her name.

Lucky? There was nothing lucky about this.

For the 19-year-old, brokenness wasn’t just

about losing her father. It was also about

suddenly facing questions she wasn’t

prepared to answer. What would she do with

the home? What was her next step?

Grief is a deeply personal journey with

ups and downs, marked by overwhelming

memories of what has been lost. And in her

case, it also brought the question of how to

move forward when all she wanted to do was

freeze time.

Options

In the wake of tragedy, it can feel impossible

to envision life ever returning to normal.

Confusion clouds judgment, embarrassment

discourages asking for help, and fear of the

unknown tempts us to retreat into what feels

familiar. These emotions can leave us feeling

isolated, struggling silently, and unsure of

how to move forward.

If you are navigating a time of brokenness,

here are some options to help you begin

taking steps forward:

Business Network International (BNI) | 73


HEALTH AND WELLNESS

Acknowledge your feelings. The emotions

you’re experiencing—whether fear, anger,

sadness, or confusion—are normal. You are

not weird, crazy, or needy. This is part of the

human experience.

Start small. Begin by reaching out to

someone you trust. You don’t have to have all

the answers or make big requests right away.

Sometimes, simply asking for a listening ear

can make a world of difference.

Take this

Space

Today!

Prepare before you ask. If you’re ready to

seek help or support, think about what you

need, what you want to say, and who you

want to say it to. Planning ahead can ease

your nerves and help you communicate

clearly.

Be honest and transparent. When exploring

your options, share accurate information

about your situation and what you need.

Honesty helps others provide the most

helpful and appropriate support.

Conclusion

Though the scars of tragedy may never fully

fade, there is hope for healing. Resilience

doesn’t erase the pain but gives you the

strength to move forward. By acknowledging

your feelings, seeking support, and being

open to new options, you can begin to

rediscover freedom and hope.

Remember, the journey isn’t about erasing

the past—it’s about finding the courage to

write the next chapter.

Reach Chattanooga's business community

with BUSINESS CHATT, the go-to resource

for local professionals. Showcase your

products and services to engaged decisionmakers

eager to discover solutions.

Why Choose Us?

• Access Key Decision-Makers: Connect

with entrepreneurs and SMB leaders.

• Targeted Exposure: Leverage the BNI

network for impactful B2B and B2C

communication.

• Trusted Resource: Readers rely on us for

insights, trends, and opportunities.

Ad Options to Fit Your Goals

Choose from premium placements,

sponsored content, or advertorials tailored

to your needs.

Highlights in BUSINESS CHATT:

• Financial Forecasts

• Real Estate Insights

• Local Chapter Spotlights

• Industry Vacancies

Invest in your business's growth—reserve

your spot today!

Contact

Amy Williams

Amy@bnisetn.com or

Jason Uzarraga

juzarraga@tictactagbrands.com.

74 | BUSINESSCHATT Magazine


Your Ad

Would Look

Great Here

Reach your target audience in the Chattanooga, TN area with "BUSINESS CHATT," the ultimate

resource for local business professionals. This is your chance to showcase your products and services

to an engaged and motivated community.

Why advertise with us?

• Direct Access to SMB Decision Makers: Connect with business owners, entrepreneurs, and

professionals eager to discover innovative solutions.

• Targeted Exposure: Our readers are part of the BNI network and beyond, creating an ideal

platform for impactful B2B and B2C communication.

• Trusted Resource: BUSINESS CHATT is more than a magazine—it's a hub of insights, tips, and

trends that readers rely on to drive their success.

Ad Options That Work for You

Choose from premium placements, sponsored content, advertorials, and more to suit your brand's

goals. With flexible ad packages, you can maximize visibility and fit any budget.

Featured in BUSINESS CHATT:

• Financial Forecasts

• Real Estate Market Updates

• Local Chapter Spotlights

• Industry Vacancy Announcements

Your ad in BUSINESS CHATT is an investment in your business's future. Don’t miss out on the

opportunity to connect with the Chattanooga business community.

Reserve your spot today!

Contact us at Amy Williams at Amy@bnisetn.com or Jason Uzarraga at juzarraga@tictactagbrands.

com to learn more about ad rates, deadlines, and available placements.

Let’s grow together with BUSINESS CHATT!

Business Network International (BNI) | 75


BUSINESS TIPS

Thinking About Selling

Your Business? Ask

Yourself These 8

Crucial Questions First

Selling your business is a big deal—possibly

one of the biggest financial decisions you’ll

ever make. Whether you're eyeing retirement,

chasing a new dream, or just ready for a

change, the journey to selling isn’t just about

slapping a price tag on your company and

calling it a day.

Before you dive in, take a moment to reflect.

Here are the 8 must-ask questions to make

sure you’re on the right track to selling smart.

1. What’s My Business Actually

Worth?

Let’s be honest—you probably have a

number in your head. But is it based on cold,

hard facts or just a gut feeling? Buyers won’t

care about your sentimental attachment;

they want the numbers to make sense. A

professional valuation will help you get real

about your business’s market value.

2. Is My Business Ready for

Prime Time?

Imagine selling your house without fixing the

leaky roof or cleaning up the clutter. Selling

a business is no different. Messy financials,

outdated processes, or weak customer

retention? Those are red flags for buyers. Get

your business in top shape before putting up

the “For Sale” sign.

3. What’s My Endgame?

Are you retiring? Starting a new venture?

Buying a yacht and sailing off into the

sunset? Your goals will shape how you sell.

Do you need a lump sum payout or are you

okay with an earnout structure (aka getting

paid over time)? Figure out what works best

for your financial future.

4. Who’s the Ideal Buyer?

Not every buyer is a good fit. Do you want

someone who will carry on your legacy, or

do you just want the best possible offer, no

matter who takes over? Finding a buyer who

aligns with your company’s culture can help

the transition go smoothly—especially if you

care about what happens after you leave.

5. How Secretive Should I Be?

Short answer? Very. The last thing you want

is for employees, competitors, vendors or

clients to hear about the sale before it’s time.

It could cause uncertainty, panic, and even

lost business. No cryptic social media posts,

76 | BUSINESSCHATT Magazine


no casual mentions at networking events—

keep things under wraps until you're ready to

go public. But once the ink is dry it's okay to

go public.

6. Any Legal or Regulatory

Hurdles?

Is your business heavily regulated? Do you

need specific licenses? If you’re dealing with

things like OSHA, HIPAA, liquor licenses, or

industry-specific rules, make sure everything

is in order. A messy legal situation can scare

buyers away faster than a horror movie jump

scare.

7. How Can I Boost My

Business’s Value Before Selling?

Think of it like flipping a house. Small

changes can lead to a big payday. Are

your profit margins solid? Can you cut

unnecessary expenses? Are your contracts

locked in with customers? A few strategic

moves now can mean a much bigger check

later.

8. How Long Will This Take?

Spoiler: It’s not a weekend project. Most

business sales take 6-12 months, depending

on the industry, the market, and how

prepared you are. There’s marketing, vetting

buyers, negotiations, due diligence, and

closing paperwork—so patience is key.

Rushing the process usually means leaving

money on the table.

Why You Shouldn’t DIY This Sale

Would you perform heart surgery on

yourself? No? Then don’t try to sell your

business alone either. This isn’t the time for

trial and error.

A seasoned business broker knows how to

find the right buyers, negotiate the best

deal, and keep everything running smoothly.

Add in a rock-solid CPA and an experienced

business attorney, and you’ve got yourself a

dream team for a successful sale.

Final Thoughts

Selling your business is more than just a

transaction—it’s the culmination of years

(maybe decades) of hard work. Approach

it strategically, ask the right questions, and

surround yourself with the right people to

make the process as smooth (and profitable)

as possible.

Ready to sell? Make sure you’re prepared,

and when in doubt—get the right experts on

your side.

CONTENT SPONSORED BY:

Transworld Business Advisors

6025 Lee Highway, Suite 433

Chattanooga, TN

37421

Lauren Wingrove

423-902-8796

Lwingrove@tworld.com

tworld.com

Business Network International (BNI) | 77


BNI Chapters

Around

Chattanoga,

Tennessee

Come visit a chapter! We'd love to have you.

78 | BUSINESSCHATT Magazine


MOUNTAIN CITY

HAPPY HOUR

RIVER CITY

ROCK POINTE

REFERRALS

Maple Street Biscuit

2114 Gunbarrel Rd,

Chattanooga, TN 37421

Thursday at 8:30A

Puckett's

2 W Aquarium Way,

Chattanooga, TN 37402

Monday at 4:30P

Puckett's

2 W Aquarium Way,

Chattanooga, TN 37402

Tuesday at 7:30A

Oaks Coffee House

2916 Silverdale Rd,

Chattanooga, TN 37421

Tuesday at 7:30A

TN VALLEY

REFERRALS

NOOGA EXCHANGE

I GOTTA GUY

SCENIC CITY

Boy Scouts of America

6031 Lee Hwy,

Chattanooga, TN 37421

Tuesday at 8:30A

Home Builders Assoc.

3221 Harrison Pike,

Chattanooga, TN 37406

Tuesday at 3:30P

Buffalo Wild Wings

5744 TN-153

Hixson, TN 37343

Wednesday at 7:30A

Puckett's

2 W Aquarium Way,

Chattanooga, TN 37402

Wednesday at 7:30A

ABUNDANT BUS.

AMBASSADORS

CHATT BUSINESS

CONNECTIONS

GOLD STANDARD

4 BRIDGES

Granfalloon

400 E Main St #120,

Chattanooga, TN 37408

Wednesday at 7:30A

Boy Scouts of America

6031 Lee Hwy,

Chattanooga, TN 37421

Wednesday at 8:00A

Oaks Coffee House

2916 Silverdale Rd,

Chattanooga, TN 37421

Wednesday at 8:15A

ChattSpace

5243 Little Debbie Pkwy,

Collegedale, TN 37363

Wednesday at 8:45A

BNI.COM/FIND-A-CHAPTER

GIG CITY

MONEY MAKERS

NOOGA POWER

PRODUCERS

NORTHSHORE

Online Meeting

Wednesday 9:00A

Fairfield Inn & Suites

2345 Shallowford Vil. Dr,

Chattanooga, TN 37421

Wednesday at 12:00P

Walden Club

633 Chestnut St # 2100,

Chattanooga, TN 37450

Wednesday at 4:00P

Chatt. Billiard Club Dtn.

725 Cherry St, Chattanooga,

TN 37402

Wednesday at 5:45P

LOOKOUT

WALDEN

EDGE

POWER NET

VFW Post 1289

2193 Park Dr,

Chattanooga, TN 37421

Thursday at 7:00A

Number 10 Chattanooga

1925 Myrtle St STE 101,

Chattanooga, TN 37408

Thursday 7:30A

Home Builders Assoc.

3221 Harrison Pike,

Chattanooga, TN 37406

Thursday at 7:30A

Boy Scouts of America

6031 Lee Hwy,

Chattanooga, TN 37421

Thursday at 7:30A

CLEVELAND

CONNECTION

MONKEY BUSINESS

CHATTANOOGA

BUSINESS

BUILDERS

UPTOWN

Smart Factory Institute

2215 Parker St NE,

Cleveland, TN 37311

Thursday 7:45A

Trinity Chapel,

240 1st Ave,

Dayton, TN 37321

Thursday at 8:00A

Online Meeting

Thursday at 12:00P

Granfalloon

400 E Main St #120,

Chattanooga, TN 37408

Friday at 7:30A

CULTIVATING PROF.

REFERRALS

KING PINS

Smart Factory Institute

2215 Parker St NE,

Cleveland, TN 37311

Friday 7:30A

Boy Scouts of America

6031 Lee Hwy,

Chattanooga, TN 37421

Friday at 9:00A

Business Network International (BNI) | 79


100

POINT MEMBER

Congratulations

for making it to

the GREEN

100

POINTS

MEMBER

Being a 100 Points Member is a big deal. This shows

your committment and dedication in what BNI is

all about — showing up, spreading the word and

continuing to learn more about each other.

80 | BUSINESSCHATT Magazine


MONTH CHAPTER MEMBER SCORE

Jan-24 Cleveland Connection Mark Shepherd (19) 100

Feb-24 Edge Brian Gray (23) 100

Feb-24 Cleveland Connection Mark Shepherd (20) 100

Mar-24 Edge Brian Gray (23) 100

Mar-24 Happy Hour Elaine Zambos (21) 100

Mar-24 Cleveland Connection Mark Shepherd (20) 100

Mar-24 Walden Neil Turner (21) 100

Apr-24 Edge Brian Gray (23) 100

Apr-24 Happy Hour Elaine Zambos (22) 100

Apr-24 Uptown Erika Moon (20) 100

Apr-24 River City Jan Lambert (11) 100

Apr-24 Cleveland Connection Mark Shepherd (20) 100

Apr-24 Walden Neil Turner (22) 100

May-24 Edge Brian Gray (23) 100

May-24 Cleveland Connection Cynthia Penny (20) 100

May-24 Happy Hour Elaine Zambos (23) 100

May-24 Uptown Erika Moon (21) 100

May-24 River City Jan Lambert (15) 100

May-24 Uptown Karen McCormick (21) 100

May-24 ABA - Abundant Business Ambassadors Larry Mazzone (8) 100

May-24 Cleveland Connection Mark Shepherd (20) 100

May-24 Walden Neil Turner (21) 100

Jun-24 Edge Brian Gray (23) 100

Jun-24 Cleveland Connection Cynthia Penny (21) 100

Business Network International (BNI) | 81


MONTH CHAPTER MEMBER SCORE

Jun-24 Happy Hour Elaine Zambos (22) 100

Jun-24 Uptown Erika Moon (22) 100

Jun-24 River City Jan Lambert (20) 100

Jun-24 Uptown Karen McCormick (22) 100

Jun-24 ABA - Abundant Business Ambassadors Larry Mazzone (16) 100

Jun-24 Cleveland Connection Mark Shepherd (21) 100

Jun-24 Walden Neil Turner (21) 100

Jul-24 Edge Brian Gray (24) 100

Jul-24 Cleveland Connection Cynthia Penny (23) 100

Jul-24 Happy Hour Elaine Zambos (23) 100

Jul-24 River City Jan Lambert (24) 100

Jul-24 Uptown Karen McCormick (23) 100

Jul-24 Cleveland Connection Mark Shepherd (23) 100

Jul-24 Happy Hour Michael Crosa (23) 100

Aug-24 Edge Brian Gray (23) 100

Aug-24 Cleveland Connection Cynthia Penny (22) 100

Aug-24 Happy Hour Elaine Zambos (24) 100

Aug-24 River City Jan Lambert (24) 100

Aug-24 Uptown Karen McCormick (24) 100

Aug-24 ABA - Abundant Business Ambassadors Larry Mazzone (23) 100

Aug-24 Cleveland Connection Mark Shepherd (22) 100

Aug-24 Walden Neil Turner (22) 100

Aug-24 Monkey Business Sean Bishop (3) 100

Sep-24 ABA - Abundant Business Ambassadors Ashley Williams (17) 100

82 | BUSINESSCHATT Magazine


MONTH CHAPTER MEMBER SCORE

Sep-24 TVR - Tennessee Valley Referrals Benjamin Hall (5) 100

Sep-24 Edge Brian Gray (23) 100

Sep-24 Power Net Chris Kloc (23) 100

Sep-24 River City Jan Lambert (24) 100

Sep-24 Monkey Business Jennifer Morris (7) 100

Sep-24 Cleveland Connection Jonathan Smith (21) 100

Sep-24 Uptown Karen McCormick (24) 100

Sep-24 ABA - Abundant Business Ambassadors Larry Mazzone (20) 100

Sep-24 Cleveland Connection Mark Shepherd (21) 100

Sep-24 Monkey Business Sean Bishop (7) 100

Sep-24 Cleveland Connection Shannon Ritzhaupt (21) 100

Oct-24 River City Jan Lambert (24) 100

Oct-24 Money Makers Jon Lakamp (23) 100

Oct-24 Cleveland Connection Jonathan Smith (22) 100

Oct-24 Uptown Karen McCormick (22) 100

Oct-24 ABA - Abundant Business Ambassadors Larry Mazzone (20) 100

Oct-24 Cleveland Connection Mark Shepherd (22) 100

Oct-24 Monkey Business Sean Bishop (9) 100

Nov-24 River City Jan Lambert (24) 100

Nov-24 Cleveland Connection Jonathan Smith (22) 100

Congrats to all the 100 Points Members!

Business Network International (BNI) | 83


84 | BUSINESSCHATT Magazine


Business Network International (BNI) | 85


ELAINE ZAMBOS

BNI Southeast Tennessee

PO BOX 4483

Chattanooga, TN

37405

Elaine Zambos

765-623-7469

elaine@bnisetn.com

bnisetn.com

86 | BUSINESSCHATT Magazine


ROAD

TO

GOLD

These members went above and beyond and not only

introduced professionals to the BNI network but have

sponsored three (3) or more in becoming BNI members.

Let's celebrate them and the members that are on their

way to gold.

Business Network International (BNI) | 87


GOLD CLUB MEMBERS

Chad Adams

SouthEast Bank

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Jan Lambert

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Business Builders

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River City

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Cleveland Connection

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Amy Williams

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Business Connections

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BNI Gold Standard

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88 | BUSINESSCHATT Magazine


Justin Jones

American Roofing Co.

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Larry Mazzone

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Nooga Power Producers

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Northshore

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Jennifer Morris

Full Service Mortgage Grp

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Shelter Insurance

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Tenn. Valley Referrals

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Chapter:

Cleveland Connection

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Happy Hour

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Business Network International (BNI) | 89


90 | BUSINESSCHATT Magazine


Business Network International (BNI) | 91


SPECIFICATIONS

FULL PAGE LANDSCAPE

10.23"W X 14.56"H

HALF PAGE LANDSCAPE

8.98"W X 6.54"H

92 | BUSINESSCHATT Magazine


QUARTER PAGE

4.37"W X 6.54"H

HALF PAGE VERTICAL

5"W X 14.56"H

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4.37"W X 6.54"H

Business Network International (BNI) | 93


FULL SPREAD

20.47"W X

SPECIFICATIONS

94 | BUSINESSCHATT Magazine


LANDSCAPE

14.56"H

Business Network International (BNI) | 95


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