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CROSE: 5 Christmas gift ideas that show you care

Janice Crose

Was your Thanksgiving enjoyable? Did you appreciate the time you spent with family and friends, and reflect on all the blessings that we, as Americans possess?

Thanksgiving is one of my favorite holidays, as it allows me the opportunity to reflect upon all I have been given and be truly grateful for what the Lord has provided.

Then we immediately transition from the thankfulness for what we have to Black Friday, the busiest shopping day of the year. Do we really need to rush out and buy more? Running out to buy the latest gadget right after offering thanks for what we have seems incongruous. However, I do understand the desire to save money, as money is tight, especially at this time of year.

I have friends who braved Crestview Wal-Mart, which was so busy they parked on the grass back by the strip mall. They reported that the front part of Wal-Mart was quiet and serene, but once you walked back where the bargains were, there were lines of people waiting for their desired bargain. They are braver than I, and yes, they got the item they desired.

We have entered the season of Advent, which is a time of preparation for the birth of our Savior, Jesus Christ. During this time of rushing around, we can use some quiet time to reflect on the greatest gift ever given to humankind, the birth of Jesus Christ. As the Christmas carol says, "Let every heart prepare Him room…."

Are our hearts open to the Lord this season, or just to the shopping bargains that can be had?

Some gift ideas that we, as caring Christians can give this year:

•buy groceries for a struggling family — enough to fill their cupboards

•pay one or more of their utility bills

•pay their car tags or car insurance

•buy gifts for them to give their children for Christmas

•adopt a family or children through your church

There are many ways to make the season brighter for those in need — be creative. Let's put actions to our words and share our Christian charity with one another and ease someone's burdens.

Janice Lynn Crose, a former accountant, lives in Crestview with her husband, Jim; her two rescue collies, Shane and Jasmine; and two cats, Kathryn and Prince Valiant.

This article originally appeared on Crestview News Bulletin: CROSE: 5 Christmas gift ideas that show you care

Time for a year-end investment review

Yvonne Shanklin (Special to the News Bulletin)

With the holiday season upon us, you may well be busier than usual. However, by spending a few minutes reviewing your investment scenario of this past year, you can see where you’ve been, where you might be going, and what you need to do to keep moving toward your long-term financial goals. So, as you look back at 2016, pay close attention to these elements of your investment picture:

So, as you look back at 2016, pay close attention to these elements of your investment picture:

Performance — Reviewing your investment performance over time is important in helping you determine if you’re on track to achieve your financial goals. So, in evaluating how your investments did in 2016, ask yourself some key questions: How did your investments do relative to their performance in past years? If there was a big difference, what might have accounted for it? Were your returns relevant to your long-term goals? In other words, if you have already established a return rate you’ll need to reach your goals — and you should indeed set such a rate — were your actual returns “on track” to help you make progress toward your objectives? And, just as important, were your return expectations realistic, based on your investment mix and the market environment?

Investment mix — If you are a diligent investor following a well-designed strategy, you probably started out in 2016 with an investment mix that reflects your risk tolerance, time horizon, and short- and long-term goals. But over time, your investment mix can change, even without your having done so on purpose. If you owned a certain percentage of an asset, such as growth stocks, and those stocks appreciated in price substantially, they could take up a larger percentage of your portfolio than you had intended, thereby exposing you to a higher risk level than that with which you are comfortable. So now that the year is coming to a close, examine your investment mix to see if it needs “rebalancing.”

Contribution levels — Are you taking full advantage of your 401(k) or other employer-sponsored retirement plan? Specifically, if you got a raise this past year, did you boost your contributions to your plan? The more you invest now, and throughout your working life, the less likely it will be that you have to play “catch up” in the years immediately preceding your retirement.

Mistakes — We all make mistakes in every walk of life — including the way we invest. In looking back over 2016, can you spot some investment mistakes you might have made? Did you temporarily “bail out” on investing immediately after the “Brexit” vote, only to find, a few weeks later, that the markets had soared to record highs? Did you act on impulse and buy a so-called “hot” stock that turned out to be inappropriate for your needs and risk level? While mistakes like these might be costly in the short term, they can ultimately prove invaluable — if you learn from them.

We’re just about ready to turn the page on the 2016 calendar. So, as you review your investment decisions for the past year, try to determine what worked, what didn’t — and what you can do to improve your results in 2017.

This article was written by Edward Jones on behalf of your Edward Jones financial adviser.

This article originally appeared on Crestview News Bulletin: Time for a year-end investment review

College football picks and bowls in the SEC, ACC

The rivals’ games are over with and have left many people scratching their heads — mainly the playoff committee and many coaches wondering where they will be next year.

SEC and ACC championship are games this weekend. Here’s what to expect:

  • Florida Gators (8-3) vs. Alabama Crimson Tide (12-0): I do not see any team stopping the Big Crimson Tide Train — Alabama by 24 or more points.
  • Virginia Tech Hokies (9-3) vs. the Clemson Tigers 11-1: The Hokies are back into a playoff game but the Tigers will show them the front door — Tigers by 26 or more points.

The SEC and ACC each have 11 teams eligible for a bowl bid. Not all of them will make it this year, so it’s off to the drawing board to see just which bowl will be offered to which school.

Here are the upcoming bowls:

  • National Semifinal Bowl, Dec. 31
  • Peach, Atlanta, Ga., Dec. 31
  • Fiesta, Glendale, Ariz., Dec. 31
  • Orange Bowl, Miami Gardens, Fla., Dec. 30
  • Cotton Bowl, Arlington, Texas, Jan. 2
  • Rose Bowl, Pasadena, Calif., Jan. 2
  • Sugar Bowl, New Orleans, La., Jan. 2
  • National Championship Game, Tampa, Fla., Jan. 9

ACC-hosted bowls:

  • Quick Lane Bowl, Detroit, Mich., Dec. 26; Big Ten vs. ACC
  • St. Petersburg Bowl, St. Petersburg, Fla., Dec. 26; AAC vs. ACC
  • Music City Bowl, Nashville, Tenn., Dec. 30; SEC vs. ACC

SEC-hosted bowls:

  • Independence Bowl: Shreveport, La., Dec. 26; ACC vs. SEC
  • Texas Bowl: Houston, Texas, Dec. 28; Big 12 vs. SEC
  • Belk Bowl: Charlotte, N.C., Dec. 29; ACC vs. SEC
  • Liberty Bowl: Memphis, Tenn., Dec. 30; Big 12 vs. SEC
  • Citrus Bowl: Orlando, Fla., Dec. 31; Big Ten vs. SEC
  • Taxslayer Bowl: Jacksonville, Fla., Dec. 31; Big Ten vs. SEC
  • Outback Bowl: Tampa, Fla., Jan. 2; Big Ten vs. SEC

Bowls that invite the ACC and SEC:

  • Military Bowl: Annapolis, Md., Dec. 27; ACC vs. AAC
  • Pinstripe Bowl: Bronx, N.Y., Dec. 28; ACC vs. Big Ten
  • Birmingham Bowl: Birmingham, Ala., Dec. 29; SEC vs. AAC
  • Sun Bowl: El Paso, Texas, Dec. 30; ACC vs. Pac 12

Bill Everett is a member of the Military Order of the Purple Heart and lives in the Baker area.

This article originally appeared on Crestview News Bulletin: College football picks and bowls in the SEC, ACC

Trump, Sessions bonded over illegal immigration

Crawling out of their safe spaces after the election, the media are now advancing the narrative that President-elect Donald Trump is running behind in his cabinet selection process.

Never mind that he is ahead of where President Obama was at this stage of the game. Facts no longer have a place in modern mainstream reporting.

Obama went about assembling his cabinet as if it were from IKEA. He wanted to focus on the complexity and diversity of the source of the parts, not the quality and durability of the product. And that “product” performed like a $17 IKEA bedside cabinet.

Trump’s first pick, Sen. Jefferson Beauregard Sessions, from the great state of Alabama for attorney general, is a good one. Being a citizen of the South and having named my son “Jeb,” I like scaring Northerners with names like “Jefferson” and “Beauregard” — it keeps them on their toes.

After eight years of Northern elitist rule, this will be fun. They won’t know if Jefferson Beauregard Sessions will first try to attack ISIS or mount an offensive to reclaim Richmond.

The South is proudly behind Trump and staunchly American. Go to any SEC football game and you will see our patriotism. We do not Kaepernick-kneel for the National Anthem or “Dixie” unless we drop our bourbon flask.

Sessions’ anti-illegal immigration stance was where he has bonded with Trump. However, as we stop illegal immigration (the operative word “illegal” gets conveniently lost in the media; they just say “immigration” — another misleading part of their narrative), we will reduce inflow. Moreover, some celebs might leave our country, so it’s a win-win. Trump is already making America Great.

As a subset of upholding immigration and other laws of our nation, Sessions will also have to deal with defiant liberal mayors like New York’s Bill de Blasio and Chicago’s Rahm Emanuel on their sanctuary cities policies.

They refuse to obey federal immigration laws, encouraging refugees to come to their cities. In dramatic, grandstanding statements this week, Mayors de Blasio and Emanuel told illegal immigrants that they would be safe in their cities.

Syrian refugees looked at Chicago murder stats and said, “We like our odds better here in Aleppo.”

Ron Hart, a libertarian op-ed humorist and award-winning author, is a frequent guest on CNN. Contact him at Ron@RonaldHart.com or @RonaldHart on Twitter.

This article originally appeared on Crestview News Bulletin: Trump, Sessions bonded over illegal immigration

Use seismic surveys, all energy resources to improve lives

As an American veteran who has served my country for many years and in many roles, I know there is an indisputable connection between energy security and national security.

I feel strongly that we should be doing everything in our power to reduce our reliance on energy sources from foreign countries — many of which are unfriendly to the United States.

For more than 25 years, we have been sending our service members to the Middle East to engage in combat operations and security missions (costing us dearly in American lives), partly due to the free world’s dependence on energy resources located there.

It troubles me that we are putting lives at stake to secure this area because of our reliance on foreign oil and natural gas when we have untapped energy resources in our noble USA.

Earlier this month in Fort Walton Beach, the federal Bureau of Ocean Energy Management held a hearing on its draft Programmatic Environmental Impact Statement for Gulf of Mexico Geological and Geophysical Surveys. This was the only hearing they held in Florida and I felt compelled to take part in it because of the impact it could have on our nation’s energy policy.

Included in this draft environmental impact statement are restrictions that would reduce the number of seismic surveys performed in the Gulf of Mexico. Seismic surveys are almost like an ultrasound or MRI of Earth’s crust. They use sound waves to help scientists map the ocean floor and geology beneath it. Compressed air released into the water creates sound waves that bounce off rock layers beneath the surface to help create 3D maps of what energy resources lie below the ocean floor.

Seismic surveys are a proven, environmentally sound technology. They are needed in the Gulf of Mexico to gather updated and more accurate information. The information we are working off now is more than 30 years old and wasn’t generated using the latest technology.

While seismic surveys are a necessary prelude to the development of offshore oil reserves, they’re not a commitment to development. They’re simply a means of gaining information we need to make informed decisions and save lives. Using more advanced technology to better understand our options is only a first step, but it’s an important first step we must take.

The federal government is seeking feedback on seismic surveying. I urge other veterans and all Floridians to get involved by voicing your support for this technology that will enable us to see exactly what resources might be available to our country.

Becoming energy independent through cutting-edge, safe technology will strengthen our country and ensure a better quality of life for the good of all: our families, communities and humanity.

Lt. Col. Dennis Freytes, United States Army (Ret.), is co-chair of Florida Vets4Energy, a group of volunteer veterans who serve America as advocates for energy policies to sustain national security.

This article originally appeared on Crestview News Bulletin: Use seismic surveys, all energy resources to improve lives

9 things for which I'm thankful

Janice Crose

This time of year, we give thanks for our abundant blessings. What are you giving thanks for this year?

Periodically, I have to examine myself and see if I have an attitude of gratitude. Am I grateful for what I have been given, or do I want more? It can be easy to overlook our blessings and concentrate on what may not be going well in our everyday lives.

We need to remember that we are very blessed to live in this country, the land of opportunity, one in which we are free to follow our dreams. A land in which we can worship God the way we see fit, not the way the government orders, and one in which we can still freely share Christ with our unsaved friends and family.

Here is a short list of things for which we can offer thanks:

• A loving Heavenly Father who provides for us

• Our family and church who love us — faults and all

• Our health

• Elections in which citizens may freely vote for candidates of their choice

• Jobs that provide for our financial responsibilities

• Police, firefighters and EMTs

• Our brave military and veterans

• Hospital staffers who work long hours, holidays and weekends

• Pets that love us unconditionally

Let's choose to be grateful for what we have and share with those who are less fortunate. Donate food to your church's food pantry, invite a struggling family to dinner in your home, take groceries to a shut-in, help in one of our local soup kitchens. There are many ways we can share our bounty with those in need. Be creative.

Several retailers are now opening on Thanksgiving Day to get an early start on Black Friday. Some of the culprits are: Bass Pro Shops, Bealls, Belk, Best Buy, Big Lots, CVS, JC Penney, Kohl's, Sears, Target, Walgreens and Wal-Mart.

If you are as dismayed as I am, take a moment to call their corporate headquarters or post a note on their Facebook page and let them know their employees deserve to be home on Thanksgiving — not working.

Wishing you and your family a Happy Thanksgiving full of the Lord's blessings!

Janice Lynn Crose, a former accountant, lives in Crestview with her husband, Jim; her two rescue collies, Shane and Jasmine; and two cats, Kathryn and Prince Valiant.

This article originally appeared on Crestview News Bulletin: 9 things for which I'm thankful

HUBBUB: Watch 'Animal Farm'; about that Okaloosa tax proposal

CRESTVIEW — Numerous crestviewbulletin.com and Facebook readers shared their thoughts on the presidential election, a proposed Okaloosa County tax increase and sports jargon. Here are some of their comments.

WATCH 'ANIMAL FARM' 

Listening to Harry Reid, I realized the importance of term limits. What is happening to Democratic members of Congress is that they fear the Republican-controlled Congress will respond to victory in the same manner they did in 2009.

And that President Trump will follow President Obama's example and use executive orders when he wants to accomplish his own objectives.

I submit that every American member of Congress should be required to watch the movie “Animal Farm,” based on George Orwell's book, “Animal Farm,” every morning.

Bob Hollingshead

WASN’T ON THE BALLOT

They are proposing a full 1 cent increase (1/2 cent for the school and 1/2 cent for the county). If they wanted to put this up for a vote, it should have been on the November ballot. Now they are wanting to allow only five cities’ registered voters to decide.

What does the (Greater Fort Walton Beach) Chamber of Commerce have to do with legislation? Why was this also not presented to all the cities’ councils to vote on?

I attend the meetings in Laurel Hill and it was not voted on.

Kathy Moneypenny         

NEW SPORTS JARGON          

I had to look up "libero" (a defensive player), which is a new word for this old volleyball player.

Jeffrey Smith

This article originally appeared on Crestview News Bulletin: HUBBUB: Watch 'Animal Farm'; about that Okaloosa tax proposal

Stop the holiday cycle, prevent a health crisis

file photo

America's next crisis likely started around Halloween.

Many Americans buy more candy than they give away to children trick-or-treating. Since we want to be thrifty and most of us like candy, we keep it. We hold on to the candy to demonstrate that we are good stewards of money. We also hold on to it just to eat a piece, or two, or three, every day.

I've held on to Halloween candy before and eaten handfuls of it in a day. I normally gain weight if I eat more than 2,000 calories a day. This proves I'm not exercising enough, even though I might work off a couple of hundred calories at the gym — some days. I used to exercise 90 minutes or even two hours, and could still gain weight since I have the ability to eat more than I work off on a treadmill.

Next, comes Thanksgiving. I have a lot to be thankful for like most Americans. My wife has already been making and freezing cookies. The problem is I know that they are in the freezer — and I know where to find them in the freezer. I can take one out at a time and put it in the microwave. Occasionally, I have taken two out of the freezer. I hope we have some left by the time Thanksgiving is actually here.

For some reason, after Thanksgiving is over, we really begin to settle in to the holiday spirit, especially with Christmas programs, parades and festive songs begin on the radio.

I keep reading articles that Americans only gain about 1 pound during the holidays. However, if we only gain 1 pound each holiday season and never lose it, then after a few years we are in very sad shape. Let me quickly stop here and say, I think I gain 3 or 4 pounds around Christmas and then have to work all winter to lose it — and so far I have. However, losing weight just simply gets harder all the time.

We smile and know we all fight this battle of eating too much and exercising too little. Unfortunately, it's nothing to smile that much about. We kill ourselves eating too much and eating the wrong foods.

Too many Americans are obese. That only leads to serious health problems from heart issues to cancer and to diabetes. Diabetes is such a chronic problem in America. There are different numbers on diabetes. About 30 million people in our country are struggling with this health dilemma. Millions of people are undiagnosed. Diabetes leads to blindness, kidney failure and amputations of feet and legs.

We are in a crisis in America due to health care costs. We can't afford our medical insurance and it's almost always financially painful to go the doctor. The estimated annual health care cost of obesity-related illnesses is a staggering $190.2 billion or nearly 21 percent of annual medical spending in the United States. Childhood obesity alone is responsible for $14 billion in direct medical costs, according to healthcommunitieshealthfuture.org

My challenge is to try to get ahead of this and not let eating bad, inactivity and extra weight become a holiday crisis — again.

Glenn Mollette is an American syndicated columnist and author.

This article originally appeared on Crestview News Bulletin: Stop the holiday cycle, prevent a health crisis

Hey, Washington, can you hear us now?

This presidential election’s big losers were the leftist mainstream media. They were willfully disconnected from reality and touted the Clinton campaign to the end.

They were so confident of their win, always asking Donald Trump if and how he would concede and what he would do about the inevitable riots in the streets by his supporters. Tellingly, they never asked Hillary the same question.

Now the media continue to blame Trump. From Oregon to New York, their side riots, destroys others' property and disrupts life. The media blame it all on Trump, even though Project Veritas and WikiLeaks showed us that the DNC and other liberal operatives hire demonstrators and orchestrate such violence.

TV news tells anecdotal stories about racial harassment by supposed Trump supporters. Yet they never show video of a white Trump supporter beaten up and robbed (Reginald Denny style) in the street by Chicago thugs yelling, “Trump voter…”

The left has one argument in their arsenal on which they have “cried wolf” for years: If anyone disagrees with them or President Obama on policy and the direction of this country, that person is a racist. One cannot sort laundry without being called racist by the left. They look for it in everything.

They are race-baiting, one-trick ponies, which keeps them from having to discuss the real issue: Their policies demonstrably do not work. They shut down debate by hurling insults and labels at people with a genuine difference of opinion. America is tired of it.

Media polls had Hillary up by 5 to 7 points (or, as the New York Times thought, 57 percent). One has to wonder: If the leftist pollsters and intelligentsia missed the election results this much, just how accurate and honest are their projected numbers on global warming?

The hubris of the left, with their demeaning comments like “deplorables” and “irredeemables,” caused this election’s backlash. We get tired of always being presumed racist.

The arrogant disdain that northeastern and left coast liberals have for the rest of the country reached record levels. With no basis in fact, they presume untrue things about us by creating false narratives. Late night comics, TV commentators, celebs, etc., advance these falsehoods of the white hood-wearing hayseed, to make them feel better about their own shallow lives.

Vapid celebs said they would move to Canada, New Zealand or Australia if Trump won. So they are fleeing our "racism" to almost all white countries? Weird.

Behind gated communities and offices with security guards, elitists sniff at our desire to own a gun for our own protection. Hampering cops by calling them racist has increased crime in such areas. Although a Democrat-run “gun free zone,” Chicago was safer when Al Capone ran the city.

While spending their time dividing Americans into their various classes of "victims" who support them, and presuming they had blacks and Latinos in their back pockets, liberals were shocked to find that they had misread the anger of the electorate.

The red map of the vast land Trump won versus the small areas Hillary won looks like a Verizon cell coverage map.

“Hey, Washington, can you hear us now?”

Ron Hart, a libertarian op-ed humorist and award-winning author, is a frequent guest on CNN. Contact him at Ron@RonaldHart.com or @RonaldHart  on Twitter.

This article originally appeared on Crestview News Bulletin: Hey, Washington, can you hear us now?

Clinton lacked support from one pivotal group: 'deplorables'

Donald Trump is our next president of the United States. It's amazing what Americans can do. Think about it:

America elected him to be our 45th president, but the political establishment bashed him.

Most of the prior Republican candidates opposed him. Mitt Romney opposed him. McCain did not support Trump. The Bush family was anti-Trump.

John Kasick, governor of Ohio, voted for McCain.

Rob Portman, senator of Ohio, did not support Trump.

President Barack Obama was obviously opposed to Trump.

Paul Ryan would not even include Trump at a speaking engagement in Wisconsin.

Wall Street opposed him.

We were told that women were opposed to Trump, and many were. However, I read one account after another of women working like crazy to elect Trump.

It seemed the entertainment world was opposed to Trump. Many celebrities said they would move out of America if Trump were elected.

LeBron James was opposed to Trump. I rooted for Cleveland to win the NBA championship. I'll root for them again but I kept wishing LeBron would just focus more on his jumping for the Indians. I thought he was a sensational cheerleader during the World Series.

Beyoncé, Jay Z and Lady Gaga all sang and danced to elect Hillary and defeat Trump.

I read where Latinos were opposed to Trump but that 29 percent of them voted for him.

Were all African Americans opposed to Trump? I saw numerous African Americans on television extolling Trump during the campaign.

Thus, we must ask the question, "Who in this country wanted Donald Trump for a president?" The answer is the American people.

I should stop and say enough American people in enough states wanted Donald Trump. When California was announced, with all 55 electoral votes going for Hillary Clinton, she went up in the electoral vote by a large number for a few minutes.

The electoral vote is wonderful if you are winning the electoral vote and not so great if you aren't.

The American people proved that our democracy works, much to the chagrin of whoever is on the losing side. We rediscovered, again, what Americans can do. We have the power of voting.

Democrats had more money to spend and more media on their side. Apparently, every minority group was supporting Hillary, as some media groups reported. Hillary's support was only missing one group, and that included most Americans who she deemed "deplorables.”

These everyday people are tired of working hard with little or no advancement. Paying more of their paycheck to support Americans sitting at home on welfare. Subsidizing millions of people flooding into our country with their hands out while our own veterans are sleeping on America's streets or standing in line for healthcare.

This is the group who is tired of breaking their necks to send their children to college, buy health insurance they can no longer afford while working harder and harder to stay afloat. All the while, it seems, that the government wants to make it harder and harder.

People found a way to get to the polls. Their vote certainly made history in electing Trump. We will now watch Trump and a Republican Congress for the next four years.

I do believe most Americans are hoping and praying for good things to come. We want national security, prosperity, good healthcare and a working, safe infrastructure.

We also want to maintain our American freedoms, like voting. Because if Trump and Congress let us down, we must do what Americans can do — and that is to vote them out in four years. 

Glenn Mollette is an American syndicated columnist and author.

This article originally appeared on Crestview News Bulletin: Clinton lacked support from one pivotal group: 'deplorables'

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