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Want $100? Artists sought to redesign news rack

CRESTVIEW — Wanted: A talented local artist to transform a newspaper distribution box into a work of art embodying North Okaloosa County's spirit.

The Crestview News Bulletin will move to a new office the weekend of July 19-20. (Keep reading the newspaper for more details on the move!) With our transfer back to the heart of the community, we’d like the newspaper box outside our office to reflect the community we serve.

But that can mean many things to many people.

“North Okaloosa County's spirit includes a love of our military and our nation; the area's bountiful natural resources; hometown pride — whether you root for Crestview's Bulldogs and enjoy the Big Red Machine, Baker's Gators or the Laurel Hill Hoboes — and a rich history of railroad commerce; not to mention signature local events like the Triple B Festival," News Bulletin Editor Thomas Boni said. "But what does it mean to you, the artist? And how can our newspaper rack display that hometown pride? That's the point of this design contest."

The artist may touch on these themes or others that spur his or her imagination and creativity.

The winning artist will receive a $100 commission, bragging rights, and their work published in the News Bulletin.

SUBMISSION GUIDELINES:

• Artist must be a North Okaloosa County resident, living north of the Eglin Air Force Base reservation.

• Artist must be a high school graduate, college student or adult.

• Artists may work as a team, but only one $100 commission will be awarded upon delivery of the completed box, and its acceptance.

• Professional or amateur artists are welcome to submit.

• One design per artist or team may be submitted.

• Designs must be family-friendly and capture North Okaloosa County's spirit in the artist’s choice of colors, subjects and materials.

• Designs must include the News Bulletin’s logo large enough to be read at a distance. The box's mechanics, including the coin slot and access door, must not be hindered.

• Designs must be submitted as renderings with colors and materials specified. Presentation drawings may be submitted in person at the News Bulletin’s current office, 705 Ashley Drive, off P.J. Adams Parkway, or as high-resolution JPEG files sent to tboni@crestviewbulletin.com.

• Submissions must be received by 5 p.m. Wednesday, July 9.

•Artist or team must complete the weather- and fade-proof transformation of the newspaper box, to be supplied by the News Bulletin, using the artist’s design, by July 31.

• Photos of the completed artwork will be published in the News Bulletin's print and online editions.Email News Bulletin Lifestyle Editor Brian Hughes, follow him on Twitter or call 850-682-6524.

This article originally appeared on Crestview News Bulletin: Want $100? Artists sought to redesign news rack

Finding Pop in Laurel Hill, and depending on strangers' kindness

Exploring Laurel Hill, population 500, and meeting its residents would be my way to experience the area where my father, Daniel Webster Henderson, was born in 1893 and raised in his early years. 

He was the second child of Thomas and Eliza Garrett Henderson, and I wanted to know all I could about them, too. 

Experiencing the area was also a way to personalize the narrative that I was writing to accompany 100 years of family photos I was placing in albums by decades. 

It gave me — the youngest of nine children; born when my father was 54 — answers to questions about grandparents I never met, and my father who died 40 years earlier.

Driving west from Jacksonville across the Florida Panhandle, I saw topography from stories Pop would tell while rocking in an aluminum chair on the front porch of our West 90th Street home. We lived in what became known as South Central Los Angeles.  Our two-bedroom home was a kitchen for Mom, a roof over the heads of five boys and four girls, and a learning center to understand how to survive in the world. 

My hope was also to find out all I could about Pop’s stay in an orphanage when he was young.  Rocking on the porch after a good meal Mom cooked, Pop would remind his children, “In an orphanage, I had to fight with the rats for food.”

My initial research to find my Pop started with a visit to www.laurelhillnow.com. I sent an e-mail to the web editor, who suggested I go to the Baker Block Museum and then to the Laurel Hill Grill.

Helpful historians

“What am I doing here?” I thought, as I looked outside the Laurel Hill Grill in the early evening the first day of my trip. “What am I going to ask the people inside?”

Fear of not finding my cousins, or the information I hoped to find, kept me from entering.

The next morning, I was at the Baker Block Museum. The wonderful volunteers and individuals who were looking up their family histories were extremely helpful in pointing me in the right direction and researching my Pop’s genealogy.  

My apprehension eased with each offering of suggestions on where to look, how to connect, and what to ask.

After 3 p.m., I was starving when I finally entered the Laurel Hill Grill — and saw that I was the only customer.  Jessica, a waitress, kept on saying "ma'am" at the end of each sentence, and I knew that I wasn’t in Manhattan, where I lived! 

We talked about the reason for my trip and her school and career aspirations. She then suggested that I return the next morning, when the regulars and other long-time residents would come in for eggs, grits, biscuits and gravy.

The regulars

Miss Bessie, in her early 80s, was the first elder that I met.  She, an oracle of information, sat at the head of the table and talked about doing piece work to earn some money, traveling to Europe with her military husband and raising her children.

Today, downtown Laurel Hill has one restaurant and one gas station. It wasn’t always that way. Miss Bessie told me about the MacDonald Campbell feed and seed stores, the ferrier that once was across the street from the restaurant (originally a gas station), The Creamatorium (an ice cream store), and banks that disappeared with periodic collapses of the local economy.

Former Laurel Hill School Principal Morris Rogers and his wife, Martha, shared resources and suggested places that I should visit.

Meeting with Laurel Hill Grill regulars, I saw faces whose skin reminded me of Pop’s smooth cheeks, heard sentences that were punctuated the way he spoke, and understood why he brought his children up in ways that I never understood. 

As I drove along the tree-lined roads leaving Laurel Hill, I could even see Pop as a young boy walking in the grass or riding in a horse-drawn buggy.

Finding Aunt Callie Mae

I set out to follow leads I had gotten at the Baker Block Museum. 

My first stop was the DeFuniak Springs court house. I found my Grandmother Eliza's Feb. 8 obituary in the 1958 volume of The DeFuniak Herald Breeze. Survivors included my Aunt Elizabeth, who I knew from childhood; Pop; and a name I had never heard: Callie Mae Hammond of Freeport. Grandma was buried in Hatcher Cemetery in Freeport, and I proceeded to pay my respects at her tombstone.

At first, I couldn’t find where Grandma was buried; there were a lot of Garretts in the cemetery. I wandered until a cemetery trustee asked if I needed help. She, too, was challenged to find the tombstone, and even drove home to find a file that indicated Grandma's location.

Grandma had a small tombstone; near hers was one for my Aunt Callie Mae, along with others in a small plot. It was a moving time: seeing my relatives' names and feeling the connection. 

Photos raise questions

In my New York office, when sorting through Henderson photographs, I came across three pictures of handsome, probably teen-age boys. But I didn't recognize the names listed on the photos' backsides.

However, in less than a minute I turned the pictures over again and read aloud the names that were written in ink script: Scat Hammond, Vester Hammond and Emory Hammond.  

Were these Aunt Callie Mae's children? 

Would I finally be able to find and speak with a cousin? 

On the Internet, I found Scott (Scat's) obituary, viewed a picture of Vester in The Florida Future Farmer 1960, and saw that Emory had a DeFuniak Springs business.  

I wrote a letter to Emory and enclosed some family pictures to let him know I was related to him through a mutual grandmother.

It seemed he called me as soon as he got my letter.

The orphanage

Emory and his older sister, Nellie Mae, answered many questions for me and provided new information. 

I found out that Nellie Mae and my sister Alice were pen pals, and thought that exchanging correspondence was probably how the school pictures of her three brothers got into my family’s collection.

According to Laurel Hill's 1900 census, my Grandpa Thomas was deceased.  Except, my new cousins told me Grandpa took his three children — Elizabeth, Dan and John — and left Eliza for another woman in 1901. Two weeks later, Eliza gave birth to Callie Mae.  The unnamed woman didn't go with Grandpa but he left his children at a Catholic orphanage in Louisiana. For the first time in Florida, he saw Callie Mae at 15 years old.

I wanted to find where Pop had been placed so I started with St. Mary’s Academy; it was a name that Nellie Mae had heard.  The school referred me to the archives of the Catholic Charities of the Archdiocese of New Orleans. 

Sister Durenda Dupont found the asylum's actual records and read the information. Pop and his brother John were placed in St. Mary’s Orphan Boys Asylum on Aug. 5, 1901.  Dan was 6 and his brother 4, according to the records.

Durenda also saw in the original record that ‘June 8’ was written in pencil above the space for age. June 8 is my Pop’s birthday. The person who placed the boys there wasn’t their father but “Pastor, Shreveport”; no name was given. Both boys were indicated as ‘Baptised' (it’s unknown if that was before or when they were in the asylum).  The ‘Full or Half Orphan’ column was filled in with ‘Parents Living' —  not atypical at a time when providing for children was hard.

My Uncle John, taken to "C. Hospital" in November 1902, died in the asylum on Sept. 11, 1906. Pop was discharged to an unnamed "friend" on March 29, 1910. I thought it was Aunt Elizabeth; Durenda thought it could have been an older boy who was friends with Pop in the asylum, someone who came back to get him out since he might have a job for him. 

Durenda could not find Aunt Elizabeth’s record.  There was no female orphan asylum, but there was an industrial school where girls could learn a trade. 

However, there was no record of Elizabeth.  Durenda gave me a list of five Catholic orphanages and I began to make more calls to find where Elizabeth was placed and when she was discharged but have not been successful — yet.

The orphanage was torn down years ago.  However, the next time I go to New Orleans, I will try to find, if not the exact location, then the street and the area where the asylum was located. 

Although I won’t see the actual asylum, I now know where Pop spent his early years, thanks to the many people who took the time to help me.

Thank you, everyone, for helping during my quest of Finding Pop in Laurel Hill.

Do you have a special story you think would inspire our readers? One that you want to tell in a similar first-person essay? Email it to us!

This article originally appeared on Crestview News Bulletin: Finding Pop in Laurel Hill, and depending on strangers' kindness

Summer breakfast starts with blueberry muffins or pancakes

This light, fluffy pancake was made with buttermilk instead of regular milk, and blueberries picked fresh less than an hour beforehand.

LAUREL HILL — A soggy spring may have been a bother in some regards, but all that rain was a boon for North County blueberry crops.

Coupled with the lack of a late freeze that has doomed them in previous years, we’re expecting a bounty.

We’ve been plucking ripe berries off the bushes for the last couple of weeks. Alas, they’re so good they never made it into the house and thence into pies, muffins, smoothies or pancakes.

That's no problem; plenty more are ripening daily, and these two breakfast recipes are a great way to kick off your summer mornings.

Our dear friend McDonald Campbell, matriarch of the Laurel Hill Presbyterian Church — who’s looking forward to her centennial birthday party later this month — shared a favorite blueberry muffin recipe.

McDONALD CAMPBELL’S BLUEBERRY MUFFINS

2 cups Bisquick or favorite pre-mixed baking mix

¼ cup powdered milk

½ cup sugar

2/3 cup water

1 egg

½ teaspoon lemon extract

1 cup blueberries

Mix the dry ingredients. Add water, egg and lemon extract. Stir until just moistened. Fold in blueberries. Bake in greased muffin pans at 350degrees Fahrenheit for 15 to 20 minutes.

BLUEBERRY OATMEAL PANCAKES

¾ cup uncooked oats

1 ½ cup milk (or buttermilk)

2 beaten eggs

¼ cup melted shortening or butter

1 ¼ all-purpose flour

2 tablespoons sugar

1 tablespoon baking powder

1 teaspoon salt

1 cup blueberries

Combine oats and milk, set aside for five minutes, add eggs and shortening/butter to oat mixture and mix well. (For fluffier pancakes, use buttermilk instead of whole or skim milk.)Combine dry ingredients, add oat mixture and blueberries, and stir until just blended.

Pour about a quarter cup on the hot griddle for each pancake.

While you can top your pancakes to your own taste, I’ve found blueberry syrup adds even more blueberry goodness to 'em.

Some would say that’s gilding the lily, but I just can’t get enough blueberries!

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

This article originally appeared on Crestview News Bulletin: Summer breakfast starts with blueberry muffins or pancakes

Couple paying it forward following son's cancer treatments

The Jackson family is giving back to St. Jude Children’s Research Hospital, which provided their son, Noah — who had a cancerous brain tumor — surgery and treatments at no cost. Pictured are Krystal, Noah and Caleb Jackson.

CRESTVIEW — Noah Jackson may not have celebrated his first birthday on Saturday if St. Jude Children's Research Hospital hadn't stepped in to help.

HEALTH CARE — NO COST

When Noah was born June 28, 2013 at Sacred Heart Hospital in Pensacola, doctors spotted glioblastoma, a cancerous brain tumor.

They removed the tumor during emergency surgery, but Sacred Heart specialists recommended that Noah receive additional treatment at St. Jude.

For seven months in Memphis, Tenn., St. Jude provided two surgeries, six rounds of chemotherapy, lodging and food. In addition, specialists provided physical, occupational and speech therapies during a crucial point in Noah's development.  

All the surgeries, treatments and therapies came at no cost to the family.

Now, little Noah's latest brain scan, as of February, shows no cancer.

'WHAT A BLESSING'

Despite favorable results, Noah is not medically cleared at this time.

“Until he is five years clean, they won’t diagnose him as beaten (cancer),” Caleb, his father, said. “So we have a little ways to go, but we are doing about as good as we can right now.”  

Still, it's a relief, Krystal, his mother said.

 “The weight that was lifted … I can’t even describe how wonderful it is, and what a blessing it’s been for us,” she said.

Now, the Jacksons are paying it forward. The family is raising money for St. Jude. With the support of friends, family and the community, they've raised more than $32,000.

 “As a parent, this is a way … we can fight back,” Krystal said, referring to cancer.

'AMAZING COMMUNITY'

Back at his Crestview home, Noah receives additional chemotherapy and care.

Although treatments can take a toll on an infant, Noah has a smile on his face.

“He is a very happy baby; he just takes it all in stride,” Caleb said.

His parents also are happy, thanks to Crestview residents' support.

“This is an amazing community; they have rallied behind us with support and prayers,” Krystal said.

HOW TO HELP

Visit bit.ly/1lw2dzh to donate toward Noah’s Birthday Wish

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

This article originally appeared on Crestview News Bulletin: Couple paying it forward following son's cancer treatments

Crestview woman: Hopefully, $10K contest win inspires other backyard chefs

Sherri Williams’ next TV appearance will be Aug. 6 on The Travel Channel’s “American Grilled.”

CRESTVIEW — Now that local chef Sherri Williams has been crowned Macy’s Great American Grilling Guru, she’s ready for the next competition.

That’s The Travel Channel’s “American Grilled,” which she taped in April in Pensacola Beach. Now that the series has started running, Williams can talk about it.

“I had to be hush-hush. It was so hard because I can’t keep a secret!” she said. “They start off with four competitors and they knock it down to one winner.”

Williams said she can’t reveal the outcome, but encouraged fans to tune in Aug. 6 when her segment runs. Check local listings for station and time.

In the Macy's competition, Williams grilled against five other regional winners in New York’s Herald Square, having defeated thousands of entrants from across the country.

The win qualified her for the November World Food Championships in Las Vegas, where she’ll be a contender for the $100,000 World Recipes Championship.

Williams said one of the reasons she entered is to show other women that the barbecue grill isn’t just the domain of men.

“I was up against all pros,” she said. “I was the only backyard griller …. I was here to show and tell (other women) anybody can do it.

"Don’t be afraid to get out on the grill or smoker.”

Email News Bulletin Staff Arts and Entertainment Editor Brian Hughes at brianh@crestviewbulletin.com, follow him on Twitter  @cnbBrian or call 850-682-6524.

This article originally appeared on Crestview News Bulletin: Crestview woman: Hopefully, $10K contest win inspires other backyard chefs

Dating with dogs: What to do if your dog doesn’t like your date

If you’re single and in the market for romance, you probably know at least two things: Online dating is a viable and efficient way to find a potential partner, but dating sites cannot guarantee a perfect match.

While a third of all married couples started their romance online – including on social networks like Facebook, according to the Proceedings of the National Academy of Sciences, only 23 percent of those who went on a date through a match-making site say it resulted in a long-term relationship, according to the Pew Research Center.

“Really, that’s not a bad success rate – I imagine it beats the club scene,” says Kris Rotonda,www.YouMustLoveDogsDating.com founder and CEO. His website is devoted to singles who’ve already found their canine companions, but have yet to find true human love.

“Still, that’s a lot of scrolling and dating before you find the right one. I think it’s important to narrow the search by letting users start with what’s most important to them.”

Rotonda, who has four beloved dogs, including one he’s had since age 8, says his commitment to his furry family became a problem in his dating life. He’s happy to report he has now found true love – she loves his dogs and they love her back.

What if your dog doesn’t appear to like the new love interest in your life?

So, your dog reacted negatively to a girl or guy you really like … Of course, how your dog reacts matters if you love your dog, but he or she may be picking up on something that’s nonessential to the character of your date, who may be nervous, not used to dogs or simply wearing the wrong perfume or cologne that day.

While dogs are very intuitive – and you want your canine companion to get along with a potential long-term partner – realize that the chemistry can improve. Give it a little time and proactively look for ways to help your dog and your potential love interest relax and get to know each other.

Different reactions can have different meanings

Did she bark for several minutes? Did he run and hide under the bed? If your dog barked in what sounded like a hostile or aggressive way, she’s likely just trying to protect you. While you may have had plenty of time to get to know your date over long dinners, he or she may still be a stranger to your dog.

If your dog ran and hid, he may be afraid. That doesn’t necessarily mean that his fear reflects a real threat – something rotten about your new love interest. What else was going on at the time? If a plane was flying overhead or thunder rumbling outside, that may have been the source of anxiety.

Don’t try to pet or sweet talk your pet while he’s in hiding as that will encourage the behavior. Instead, reward him when he emerges.

Mending fences between your canine and human companion

When you are planning to re-introduce your dog to your date, start before they actually meet in person. This can be done by introducing the person's scent with an unwashed article of clothing. You can also add your scent to the clothing by rubbing it on your arm and then placing in a spot where your dog spends a great deal of time.

This will help your dog get used to the person's scent over time and you are not introducing the person to your dog by invading all his senses at one time.

Kris Rotonda is the founder and CEO of the You Must Love Dogs Dating website, which is devoted to singles who’ve already found their canine companions, but have yet to find true human love.

This article originally appeared on Crestview News Bulletin: Dating with dogs: What to do if your dog doesn’t like your date

Commission provides guidance on Florida Legislature's enhanced boating safety legislation

A snorkeler swims near a dive flag.

The Florida Fish and Wildlife Conservation Commission announced changes that were made by the Florida Legislature and approved by the governor to divers-down flag requirements.

House Bill 1049, by Rep. Raschein and Sen. Abruzzo, created an additional opportunity for divers to stay safe. Effective July 1, when in the water, they may display a buoy with a series of divers-down symbols as an alternative to the traditional divers-down flag.

The buoy can be three or four-sided and must have a divers-down symbol of at least 12-by-12 inches displayed on each of the flat sides. Such a buoy should help divers, especially those in open waters, be more visible to passing boats.

Divers-down symbols displayed onboard a boat must still be a flag at least 20-by-24 inches and displayed at a high point where it is visible from any direction. Divers may still use a divers-down flag of at least 12-by-12 inches on a float when towed along with them while in the water.

Being highly visible to boaters is critical to keeping divers and snorkelers safe in the water.

“Divers should stay within the required distance of their flag or buoy – 300 feet in open water and 100 feet in rivers, inlets and channels, as that’s where boat operators are expecting you to be. Boat operators should do their best to stay these same distances away from any divers-down flag or buoy, and all boats being operated within these distances from a divers-down symbol must be slowed to no more than idle speed,” said Capt. Tom Shipp, who leads the FWC’s boating safety efforts. “This will ensure everyone gets to enjoy the water safely.”

With bay scallop season – which just opened on June 28 – and spiny lobster mini-season – which begins July 30– lots of divers and snorkelers are taking advantage of the opportunity to get in the water.

“This is a great time for boaters and divers alike to remember to pay close attention to their surroundings and be safe,” Shipp said.

For moreinformation about the changes, the bill language can be viewed on the House of Representatives website.

This article originally appeared on Crestview News Bulletin: Commission provides guidance on Florida Legislature's enhanced boating safety legislation

Bonifay Southern Gospel Sing is this Saturday (GALLERY)

Gospel group The Nelons are among several groups participating in the Bonifay Southern Gospel Sing July 5 in Bonifay.

BONIFAY—The Bonifay Southern Gospel Sing starts at 5 p.m. July 5 at the Holmes County High School,  825 West U.S. Highway 90. Doors open at 4 p.m. Concessions will be available.

See the gallery of artists performing at the event>>

Tickets cost $15 in advance and $18 at the door for adults. Tickets for people ages 6 – 12 cost $5 in advance and $8 at the door, and ages 5 and younger free. Group discounts are available.

For more information, or to purchase or reserve tickets, call 850-547-1356, email four_calvary@yahoo.com, or on the Facebook pages for fourcalvary or Bonifay Southern Gospel Sing.

There will be limited floor seating. Stadium seats are allowed in the bleacher section. Handicap-accessible seating is also available.

Bonifay is known for the “Biggest All Night Sing in the World.” Dating back to the early 1950s with promoter J.G. Whitfield, the sing has a long of history of success and popularity over its 62 years. During its most popular run in the 1970s and 80s, the sing would draw as many as 14,000 – 15,000 fans. 

Southern gospel artists that have been on the Bonifay platform include The Happy Goodmans, Rex Nelon, George Younce, Glenn Payne, Jim Hamill, Anthony Burger, JD Sumner, and more.

The sing has experienced many changes over the years, but there are several things that have remained constant: the music, the message, and deep history.

This year’s lineup includes Kevin Williams, guitarist for Bill Gaither and the Gaither Vocal Band; Wes Hampton, tenor for the Gaither Vocal Band); The Nelons; Four Calvary; and One Heart.

Kevin Williams began touring with the legendary Wendy Bagwell & The Sunliters until 1995, when he produced the group’s last project, “I Feel Like Singing.”

Since then, he has become an integral part of the Gaither Homecoming Tour, and as a studio session player has played on countless recordings.  He is guitar player and band director for the Gaither Homecoming Tour.

Wes Hampton grew up with an admiration for music, especially the music of Steve Green, Larnelle Harris, Michael English and the Gaither Vocal Band.  Wes was part of the worship staff at a Birmingham, Ala. church for seven years, until he accepted the tenor position for the Gaither Vocal Band in June, 2005.

 Wes won the 2006 Singing News Horizon Individual Fan Award for best new artist and was nominated with the Gaither Vocal Band for a Grammy in 2007 (“Give it Away”) and in 2008 (“Lovin’ Life”). Wes’s first project with the Gaither Vocal Band, “Give it Away,” won three Dove Awards from the GMA in 2007 for best southern gospel song of the year, best southern gospel record of the year and best long form video of the year.  Wes’s third album with the Gaither Vocal Band, “Lovin’ Life,” won a GRAMMY in 2009 for best southern gospel or country bluegrass album as well as a Dove Award. The GVB’s project, “Reunited,” received a Dove Award in 2010 for best southern gospel record of the year. Wes has also released two solo albums.

 With numerable awards and accolades including three Grammy nominations, six Gospel Music Association Dove Awards and many songs that have soared to the top of national radio charts, The Nelons continue to produce innovative music that embraces their traditional roots, while simultaneously reaching beyond various musical boundaries with an emphasis on introducing songs for the church.

They are regulars on the Bill Gaither Homecoming Tour and the famed Gaither Homecoming Video Series.  The Nelons released their new CD on June 24.

This article originally appeared on Crestview News Bulletin: Bonifay Southern Gospel Sing is this Saturday (GALLERY)

STAFF PICK: Book helps sighted people understand blindness

“The Black Book of Colors” by Menena Cottin, pictures by Rosana Faria

It is very hard for a sighted person to imagine what it is like to be blind. This groundbreaking, award-winning book endeavors to convey the experience of a person who can only see through his or her sense of touch, taste, smell or hearing. 

Raised black line drawings on black paper, which can be deciphered by touch, accompany a beautifully written text describing colors through imagery. 

The text is translated into Braille so that the sighted reader can begin to imagine what it is like to read by touch, and there is a full Braille alphabet at the end of the book. 

First published in Mexico, it has since been published around the world and has been universally praised for its unique and innovative approach.

This article originally appeared on Crestview News Bulletin: STAFF PICK: Book helps sighted people understand blindness

FINANCIAL FOCUS: 5 tips to secure a financial Independence Day

It’s almost the Fourth of July, the day when we celebrate our independence as a nation and the many liberties we enjoy as individuals.

Still, we have to keep working to earn some freedoms — such as financial freedom. By making the right moves, you may eventually enjoy your own Financial Independence Day.

Consider these tips:

• Set free your vision. Your first step in moving toward financial independence is to establish a vision of what this freedom might look like.

Ask yourself: When do I want to retire? What do I want to do during my retirement years? How can I be confident that I won’t outlive my financial resources?

The answers can help you develop a clear picture of where you want to go — which will make it much easier to create a financial strategy for getting there.

• Liberate your full investment capabilities. Right now, you may have good investment opportunities that you are not fully exploiting.

For example, are you contributing as much as you can afford to your IRA and your 401(k) or other employer-sponsored plan?

And when your income goes up, are you increasing your contributions to these accounts?

Both an IRA and a 401(k) offer tax advantages and a variety of investment options, so try to get as much out of these plans as you can.

• Avoid the “bondage” of a non-diversified portfolio. If you only own a few types of investments, you are restricting your opportunities — and probably taking on too much risk.

If a downturn primarily affects just one or two asset classes, and most of your investment dollars are tied up in those assets, your portfolio could take a big hit.

But if you “free up” your holdings by diversifying across a range of investments — stocks, bonds, government securities, certificates of deposit and so on — you may give yourself more chances for success while reducing the effects of market volatility on your portfolio.

Keep in mind: Diversification cannot guarantee profits or prevent losses.

• Unshackle yourself from debt. It’s not always easy to lower your debt burden, but it’s worth the effort.

The lower your monthly debt payments, the more money you will have available to invest for the future — and for your ultimate financial freedom.

Look for ways to consolidate and reduce your debts.

• Escape from disability and long-term care expenses. Few events can threaten your financial independence as much as a disability or the need for long-term care, such as a nursing home stay.

Even a short disability and time away from work can wreak havoc on your financial situation. And an extended stay in a nursing home can be hugely expensive.

The national average for a private room in a nursing home is nearly $84,000 per year, according to a recent survey by Genworth, a financial security company.

To defend yourself against the threat of disability or the expense of long-term care, you may want to consult with a financial adviser, who can recommend the appropriate protection vehicles.

The Fourth of July is a festive occasion. But you’ll have even more reason to celebrate once you can declare your own financial independence. So, do what it takes to speed the arrival of that day.

Joe Faulk is a Crestview financial adviser.

This article originally appeared on Crestview News Bulletin: FINANCIAL FOCUS: 5 tips to secure a financial Independence Day

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