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SHANKLIN: 6 tips to reduce investment stress

You probably aren’t too worried about it, but April is Stress Awareness Month.

Each year, the Health Resource Network sponsors this month to inform people about the dangers of stress and to share successful coping strategies.

Obviously, it’s important to reduce stress wherever it presents itself — including your investment activities.

How can you cut down on the various stresses associated with investing?

Here are six possible stress-busters:

• Know your risk tolerance.If you’re constantly worrying about your investments' value, your portfolio may simply be too volatile for your individual risk tolerance.

Conversely, if you’re always feeling that your investments will never provide the growth you need to achieve your long-term goals, you might be investing too conservatively.

• Know what to expect from your investments. Uncertainty is often a leading cause of stress. So when you purchase investments that are mysterious to you, you shouldn’t be surprised if they perform in ways that raise your stress levels.

Never invest in something unless you fully understand its characteristics and risk potential.

• Be prepared for market volatility.Over the long term, financial markets have trended upward, though their past performance can’t guarantee future results.

Yet for periods of months, and even years, these same markets can sputter and decline.

When you invest, be aware of this volatility; if you’re prepared for it, you won’t be shocked when it happens, and you should be able to better keep stress at bay.

• Maintain realistic expectations. If you think your investments will earn a high rate of return, year after year, you likely will be disappointed — and you could easily become stressed out.

You’re much better off, from a stress standpoint, not to expect eye-popping results.

• Diversify your portfolio.If you were only to own one asset class, such as growth stocks, and that particular segment took a big hit during a market drop, your whole portfolio could suffer, and it could take years to recover — causing you no end of stress.

But if you spread your investment dollars among a range of vehicles — stocks, bonds, government securities and so on — your portfolio has a better chance of weathering the market's ups and downs. (Keep in mind, though, that while diversification may help you reduce volatility's effects, it can’t prevent losses or guarantee profits.)

• Think long term.If you only measure your investment success by short-term results, you can feel frustrated and stressed.

But when you stop to consider your objectives, you may find that the most important ones, such as a comfortable retirement, are all long term.

Consequently, it makes more sense to measure your investments' progress in periods of years, or even decades, rather than days or months. Instead of fretting over your monthly investment statements, compare where you are today versus where you were 10 or 15 years ago. The results may well surprise and help de-stress you.

Stress Awareness Month will come and go. But by making the right moves, you can help take some of the stress out of investing for a long time to come.

This article was written by Edward Jones for use by your local Edward Jones financial adviser.

This article originally appeared on Crestview News Bulletin: SHANKLIN: 6 tips to reduce investment stress

SHANKLIN: 3 tips to environmental investing

This week, we observe the 45th anniversary of Earth Day. Since its 1970 inception, Earth Day has inspired millions of people to improve the environment.

But lessons of environmentalism can also be applied to other areas of life — such as investing.

Specifically, as an investor, you may want to follow the three Rs:

• Reduce — Many of us probably own more things than we need. If everyone else on Earth used as much stuff as we do in the United States, the planet would need three to five times more space just to hold and sustain everybody, according to the National Institute of Environmental Health Sciences.

So it might be smart for all of us to streamline our possessions. And the same could be true for our investments — it’s not always a case of “the more, the merrier.” It’s particularly important not to own too many of the same types of investments, because you could suffer a setback in a market downturn that primarily affects those assets.

• Reuse — One way of being environmentally conscious is to repair, rather than replace, durable goods such as bicycles, washers and dryers. After all, new is not always better. Many investors are also prone to tossing out the old and bringing in the new — and not always with the best results. For example, some investors switch their overall strategy every so often in attempts to capitalize on some trend.

But you’re almost certainly better off by sticking with a long-term strategy appropriate for your goals, risk tolerance and time horizon. Of course, within your strategy you can make adjustments as your circumstances change, but there’s probably no need to toss your entire approach overboard. As you invest, always be aware that your investments' value will fluctuate, and there are no guarantees that you won’t lose value.

• Recycle — Aluminum cans become airplane parts, old phone books transform into textbooks and plastic beverage containers may become carpeting. It’s amazing how recycling can give new life to old, unwanted products.

In a way, you can also “recycle” investments that no longer meet your needs, either because your circumstances have changed or because the investments have become fundamentally altered — as is the case when a company in which you invested has shifted its focus or taken its business in a new direction.

Instead of liquidating the investment and using the cash to buy, say, an ultra-high-definition television with all the bells and whistles, you could find new use for your investment portfolio's proceeds. To name one possibility, you could use the money to help save for a child’s college education. Or you might use it to help fill other gaps in your portfolio.

By following the reduce, reuse and recycle philosophy, you can help make the world a greener place to live.

And by applying the same principles to the way you invest, you can create a healthier environment in which to pursue your important financial goals.

This article was written by Edward Jones for use by your local Edward Jones Financial adviser.

This article originally appeared on Crestview News Bulletin: SHANKLIN: 3 tips to environmental investing

BRESLAWSKI: For healthiest dish, eat farm fresh Northwest Florida produce

Try this no-cook recipe adapted from www.freshfromflorida.com/Recipes/Sides/Fresh-Tomato-Chop-Salad#sthash.W3MgG4T1.dpuf.

While it can be fun to shop at the supermarket, try foods from other regions or get favorites year-round. Fresh, local, in-season foods are the better option for the best flavor and nutritional value.

Buying fresh means items have not been altered by canning, freezing or other methods. You will get the most vitamins and minerals from unprocessed produce.  

In-season or seasonal foods come from crops ready to be harvested. Since in-season fruits and vegetables generally have not endured long periods of storage and shipping, they tend to be more fresh and flavorful. 

There is an additional bonus: generally, prices for "in-season" foods tend to be less expensive because they are more abundant and, often, are locally grown.

Look for these foods now or coming soon from Florida growers:  tomatoes, corn, blueberries, grapefruit, bell peppers, cucumbers, onions, honey and more. See a complete list of seasonal foods at www.freshfromflorida.com.

Check with your local University of Florida/Institute of Food and Agricultural Sciences Extension office, growers or farmers markets to see what is available in your area. The Crestview Farmers Market runs 8 a.m. to 12 p.m. Tuesdays, Thursdays and Saturdays at the Old Spanish Trail Park pavilion on Stillwell Boulevard.

As always, make sure your plate is colorful, including a variety of fruits and vegetables, to provide an array of nutrients.

According to the food guide, found on myplate.gov, one-half of your plate should include fruits and vegetables. Remember lean protein, whole grains and low-fat dairy.

Try this no-cook recipe adapted from the Fresh from Florida website.

Ingredients

3 fresh tomatoes, diced

1 cucumber, seeded and chopped

1 red or sweet onion, chopped

1 green bell pepper, chopped

1/2 bunch fresh basil, hand-torn

1/2 bunch fresh parsley, chopped

2 cloves garlic, minced

kosher salt to taste

fresh ground pepper to taste

2 tablespoons white wine vinegar

2 tablespoons olive oil

Directions

1. Combine all ingredients in a large glass or plastic bowl and let marinate in the refrigerator at least 20 minutes.

2. Serve over salad greens if desired or try in a whole grain pita shell.

3. Try adding feta and olives to this recipe.

Jill Breslawski is an agent at the University of Florida's Institute of Food and Agricultural Sciences Extension office in Crestview.

This article originally appeared on Crestview News Bulletin: BRESLAWSKI: For healthiest dish, eat farm fresh Northwest Florida produce

Faith calendar: April 26 through May 9

USHER ANNIVERSARY: April 26 services at Lebanon Baptist Church include Sunday School, 9:15 a.m.; morning worship, 11 a.m.; and usher anniversary service, 3 p.m. at 1288 Washington Ave., Baker.

LIVE OAK BAPTIST CHURCH'S  82ND HOMECOMING: 10 a.m. May 3, 4565 Live Oak Church Road, Crestview. Guest speaker: Dr. Gene Strickland. Music: The Quicks. Pot-luck lunch follows morning services. Details: 982-5160 or secretary@liveoakbc.net.

DIXIE ECHOES CONCERT:6 p.m. May 9, Central Baptist Church, 951 S. Ferdon Blvd., Crestview. A suggested $10 donation is requested at the door. Details: 682-5525.

FOOD DRIVE: The Joy Fellowship youth group is "Saving Lives One Can/Jar at a Time." The goal is to collect 5,000 pounds of canned, nonperishable items for local food pantries and the Crestview Pregnancy Center. Drop off donations from 10 a.m. to noon weekdays  at 5978 Old Bethel Road, Crestview.

WOMEN'S BIBLE STUDY: 9:30-11:30 a.m. Tuesdays, West Gate Chapel, Eglin Air Force Base. Open to women with base access. Janette Gregg, 863-4264.

Send your church’s announcements to news@crestviewbulletin.com

This article originally appeared on Crestview News Bulletin: Faith calendar: April 26 through May 9

Volunteers provide more than $25K in Baker dental services

A mobile clinic sponsored by the Baker Lions Club recently provided more than $25,000 in dental services for Northwest Florida residents. Lions members, pictured back row, from left, include John Cosson, Mary Ann Henley and Royce Henley. Front row: Charles Henderson, Joyce Cosson, Jan Walker, Ruby Carr and Jeanette Henderson.

CRESTVIEW — Sixty-eight Northwest Florida residents now have improved dental health, and it didn't cost them a cent.

The residents, ages 6 and up, benefited from the Florida Department of Health's March 30 volunteer training event. DOH volunteers, provided by Tallahassee Supervisor of Volunteer Health Services Christopher Gainous, screened patients for eligibility April 3 in a mobile vehicle. They assigned appointments for treatment April 6-10.

The clinic, sponsored by the Baker Lions Club, provided more than $25,000 in dental services for attendees.

Volunteers included Samma Brannon, Ruby Carr, John Cosson, Joyce Cosson, William Courtney, Laura Fountain, Joye Garrett, Royce Henley, Mary Ann Henley, Ruby Kelley, Tammy Lawson, Faye Nall, Ida Powell and Jan Walker.

This is the second time the mobile unit has come to Northwest Florida, courtesy of the Okaloosa Baptist Association.

Henley, a Baker resident, said, "The mobile dental unit is fully furnished by the Florida Baptist Dental Convention. They travel throughout the state, usually in South Florida."

Next year's event hasn't been scheduled, but Henley and her husband, Royce, look forward to helping again with the effort, which she said is "very rewarding."

The Baker Area Ministerial Association and the Baker Lions Club provided fellowship to those who were waiting for dental work. The association also provided lunches to dental workers throughout the event.

Jennifer Holland-Wyer, DMD, Crestview; Orilius G. Banks, DDS, Fort Walton Beach; Susan Welch, DDS, Fort Walton Beach; Kristin Shinnick, DMD, Fort Walton Beach; and Oliver Broutin, DMD, Niceville, provided patient treatment.

Nurses Danielle Crider, Cheri Denney, Beth Fountain, Joye Garrett, Debi Luther and Carolyn Williams also participated in the project.

Organizers presented dental kits to people after their appointment. The kits included toothpaste, toothbrushes, dental floss and age-appropriate tracts. They also included a Bible, all of which were donated by Joe H. Anderson Jr.

In addition, "Acteens of First Baptist Church of Crestview (a mission group for teenagers)  provided decorated drink cups used in the dental kits of younger patients," Mary Ann Henley said.

Email Editorial Assistant Renee Bell, follow her on Twitter or call 850-682-6524.

This article originally appeared on Crestview News Bulletin: Volunteers provide more than $25K in Baker dental services

CROSE: This could only happen in a small town

I have had to stay home and get well this week after my latest bout with illness, but I got out Wednesday and made several stops.

The kindness of the people we deal with is why I love small-town living.

I went to Compass Bank and, as usual, everyone was nice; on to Leavins Automotive, another positive experience; and while returning something at Wal-Mart, I dealt with a very nice lady in customer service. While at my next stop, McDonald's, the nice staff made fresh coffee — my beverage of choice.  Visiting Tractor Supply for cat and dog food offered another pleasant experience. I had one more stop, but given that the rain and thunder had begun, it was time to get home so sweet Jasmine, my rescue collie, and I could comfort each other.

We are being deluged by so much rain it seems as though we need to build an ark; yet California is in the midst of a drought. I wish we could share some of our rain with them, but alas, that is not the way things work.

Still, Jasmine and I would happily export the lightning and thunder to someplace less populated — like the middle of the Sahara desert. Thunder absolutely terrifies her and makes for anxious times. And since I am not adept at speaking collie, I can't explain what is going on to her. She stresses, poor darling.

But I digress.

Speaking of small-town treatment, I received a call from a local doctor's office making sure they weren't one of the offices referred to in last week's article; they weren't. (Editor's Note: See "Here's why many people don't sympathize with doctors.")

I was pleasantly surprised that the office manager took the time to call me. She also reassured me that all messages for their doctor get given directly to the physician, not stopped at the front desk.

Only in a small town would someone care enough to call.

Thank you, Ms. Betty, you are a gem!

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

This article originally appeared on Crestview News Bulletin: CROSE: This could only happen in a small town

1 week until Crestview's Relay For Life

CRESTVIEW — Relay for Life, an American Cancer Society fundraiser, is scheduled for 6 p.m. April 24 to 6 a.m. April 25 at Shoal River Middle School, 3200 E. Redstone Ave. in Crestview.

There's still one week left to sign up for the annual event and support North Okaloosa residents who have cancer.

Participants can walk the track in honor of survivors and those who've died from cancer, dance and play games to earn spirit points and enjoy live entertainment throughout the family-friendly event. Food and drinks will be available for cash.

See more information or to sign up a team>>

This article originally appeared on Crestview News Bulletin: 1 week until Crestview's Relay For Life

95-year-old Laurel Hill church's closing bittersweet, but members 'saw it coming'

Some remaining members of Christian Home United Methodist Church — which closed Sunday — said they will worship at Hopewell United Methodist outside Laurel Hill.

LAUREL HILL — When Christian Home United Methodist Church closed its doors after Sunday services, it ended 95 years of ministry.

The Rev. Kevin Holland, the church's pastor, said given the church’s declining membership, “the congregation decided it was time to close the small church.”

Betty Willis, a Laurel Hill resident who attended Christian Home with her husband, Jim, said she saw the closure coming.

“We only had three active members," she said, adding that siblings made sure to attend the final service. "All my brothers and sisters grew up there, and they all came home for this.”

So did other former members, friends and supporters.

“We had a church full," Willis said. "It was just as pretty and spiritual as it could be."

HISTORY

Members began meeting in 1912 at what was then the Church of Piney Grove, a Methodist-Episcopal congregation that met in the Dixie School on the highway between Wing and Lockhart, Ala.

Under the Rev. W.M. Fuqua and his wife Lydia's direction, the church reorganized in 1919 as Christian Home. A new church was built in 1920, with the first service conducted on Christmas Eve.

“Everything in the sanctuary was handmade at that time: from the benches to the altar,” Holland said.

Up until Sunday, some of the Fuquas' descendants still worshipped at the church, which was the center for spiritual and social activities in the 1930s and 1940s, he said.

“Revivals would draw people near and far with a mule and wagon tied to every pine tree around the church," Holland said. "Dinners were held outside on chicken wire tables.”

HOPEWELL

Christian Home was part of a three-church charge that includes Hopewell United Methodist Church, outside of Laurel Hill, and First United Methodist Church in Florala.

The Willises know where they will worship this Sunday.

“We will go to Hopewell,” Betty Willis said. “We have gone back and forth from one church to the other, and they have come to our church. We’re already like one big church family anyway.”

Upon closing, Christian Home’s ownership reverted to the United Methodist Church's Alabama-West Florida District.

Willis said no decisions have been made about the building's future, though recently there was talk of it being moved to Hopewell to serve as a fellowship hall.

Email News Bulletin Staff Writer Brian Hughes, follow him on Twitter or call 850-682-6524.

This article originally appeared on Crestview News Bulletin: 95-year-old Laurel Hill church's closing bittersweet, but members 'saw it coming'

6 Okaloosa parks receive advisories for hazardous water

FORT WALTON BEACH — Six Okaloosa County parks may have potentially hazardous bathing water, the Florida Department of Health in Okaloosa County stated this week.

Yesterday, Liza Jackson Park and Garniers Park, Fort Walton Beach; Poquito Park, Shalimar; Lincoln Park, Valparaiso; Fred Gannon Rocky Bayou State Park, Niceville; and Clement E. Taylor Park, Destin, failed tests based on EPA-recommended enterococci standards.

Enteric bacteria’s presence indicates fecal pollution from stormwater runoff, pets and wildlife or human sewage.

Call689-7859 or 833-9247 for more information. 

This article originally appeared on Crestview News Bulletin: 6 Okaloosa parks receive advisories for hazardous water

Crestview family among NWF residents singing 'Selections from the Messiah'

Crestview High School Assistant Principal Holly Tew — back row, fourth from left — and her family are among Northwest Florida residents performing "Selections from the Messiah" on Sunday at the Church of Jesus Christ of Latter-day Saints' Niceville chapel. INSET: Jeffrey Rink, guest conductor

NICEVILLE — A number of Northwest Florida residents will perform "Selections from the Messiah" Sunday at the Church of Jesus Christ of Latter-day Saints' Niceville chapel.

The performance — 7 p.m. April 19 at 1100 Palm Blvd. — will feature these people:

•Jeffrey Rink, Mattie Kelly Distinguished Chair in Music and Conducting, as guest conductor

•Soloist Jeremy S. Ribando, chair of Northwest Florida State College's Humanities, Fine and Performing Arts Division

•Baritone Donovan Black, director, performing, "Thus Saith the Lord" and "The Trumpet Shall Sound"

•Mezzo soprano Jennifer Boudette, Rink's wife, performing, "But Who May Abide"

•Paul Tessier, bass, singing, "The People That Walked in Darkness."

•Mandy Asmus, with daughter Meishe, and Holly Tew (with her husband, Aaron; two sons, Chapman and Weston; and father, Aldo Seager, on cello) singing "He Shall Feed His Flock." Holly Tew is an assistant principal at Crestview High.

•Ingrid Roberts, wife of Dr. Mike Roberts, of North Okaloosa. 

•Soprano Katie Pickler singing "I Know that My Redeemer Liveth."

•Ingrid Roberts, first violinist in the Northwest Florida Symphony Orchestra.

The concert is free to attend. Call 862-3263 for more information.

This article originally appeared on Crestview News Bulletin: Crestview family among NWF residents singing 'Selections from the Messiah'

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